Home > Scotiabank de Puerto Rico > Performance and Condition Ratios
Scotiabank de Puerto Rico, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 2,332 |
| Cost of funding earning assets | 0.5174% | 4,074 |
| Net interest margin | 4.2101% | 1,358 |
| Noninterest income to average assets | 1.5994% | 363 |
| Noninterest expense to average assets | 3.0127% | 1,943 |
| Loan and lease loss provision to assets | -0.1391% | 5,189 |
| Net operating income to assets | 1.7383% | 691 |
| Return on assets (ROA) | 1.8018% | 648 |
| Pretax return on assets | 2.6815% | 174 |
| Return on Equity (ROE) | 8.0233% | 3,297 |
| Retained earnings to average equity (ytd only) | -39.3530% | 5,239 |
| Net charge-offs to loans | 0.1707% | 998 |
| Credit loss provision to net charge-offs | -134.9501% | 4,110 |
| Earnings coverage of net charge-offs (x) | 23.8810% | 1,818 |
| Efficiency ratio | 54.9122% | 4,290 |
| Assets per employee ($millions) | 3.7324% | 4,240 |
| Cash dividends to net income (ytd only)* | 590.4814% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0551% | 39 |
| Loan loss allowance to noncurrent loans | 38.3318% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 8.5684% | 22 |
| Noncurrent loans to loans | 13.1877% | 13 |
| Net loans and leases to total assets | 57.5594% | 3,917 |
| Net loans and leases to deposits | 75.6590% | 3,329 |
| Net loans and leases to core deposits | 83.6939% | 3,121 |
| Total domestic deposits to total assets | 76.0774% | 4,646 |
| Equity capital to assets | 20.7060% | 231 |
| Core capital (leverage) ratio | 20.5495% | 227 |
| Tier 1 risk-based capital ratio | 39.8883% | 246 |
| Total risk-based capital ratio | 41.1959% | 244 |
| Memoranda: | ||
| Average total assets | $3,759,590,250 | 281 |
| Average earning assets | $3,460,586,750 | 273 |
| Average equity | $844,281,750 | 179 |
| Average total loans | $2,271,233,750 | 304 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 2,300 |
| Cost of funding earning assets | 0.5057% | 4,097 |
| Net interest margin | 4.2159% | 1,325 |
| Noninterest income to average assets | 1.2795% | 530 |
| Noninterest expense to average assets | 3.4166% | 1,074 |
| Loan and lease loss provision to assets | -0.0220% | 5,140 |
| Net operating income to assets | 1.2518% | 1,951 |
| Return on assets (ROA) | 1.2518% | 2,006 |
| Pretax return on assets | 1.7640% | 1,138 |
| Return on Equity (ROE) | 5.4450% | 4,224 |
| Retained earnings to average equity (ytd only) | -62.4624% | 5,290 |
| Net charge-offs to loans | 0.2858% | 591 |
| Credit loss provision to net charge-offs | -12.7339% | 3,762 |
| Earnings coverage of net charge-offs (x) | 10.1014% | 2,293 |
| Efficiency ratio | 66.1088% | 2,794 |
| Assets per employee ($millions) | 3.7630% | 4,167 |
| Cash dividends to net income (ytd only)* | 1,247.1420% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0154% | 31 |
| Loan loss allowance to noncurrent loans | 37.0541% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 8.9882% | 19 |
| Noncurrent loans to loans | 13.5353% | 12 |
| Net loans and leases to total assets | 58.6620% | 3,851 |
| Net loans and leases to deposits | 76.4380% | 3,294 |
| Net loans and leases to core deposits | 84.3907% | 3,075 |
| Total domestic deposits to total assets | 76.7446% | 4,596 |
| Equity capital to assets | 19.6243% | 260 |
| Core capital (leverage) ratio | 17.9917% | 343 |
| Tier 1 risk-based capital ratio | 42.9577% | 196 |
| Total risk-based capital ratio | 44.2763% | 190 |
| Memoranda: | ||
| Average total assets | $3,843,299,670 | 278 |
| Average earning assets | $3,536,343,330 | 272 |
| Average equity | $883,555,000 | 176 |
| Average total loans | $2,319,321,330 | 300 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 2,738 |
| Cost of funding earning assets | 0.4905% | 4,105 |
| Net interest margin | 4.0475% | 1,694 |
| Noninterest income to average assets | 1.3103% | 494 |
| Noninterest expense to average assets | 3.2210% | 1,450 |
| Loan and lease loss provision to assets | 0.2698% | 515 |
| Net operating income to assets | 1.0640% | 2,605 |
| Return on assets (ROA) | 1.0640% | 2,655 |
| Pretax return on assets | 1.5489% | 1,613 |
| Return on Equity (ROE) | 4.3429% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.3429% | 3,187 |
| Net charge-offs to loans | 0.2902% | 510 |
| Credit loss provision to net charge-offs | 155.6845% | 1,211 |
| Earnings coverage of net charge-offs (x) | 10.4948% | 1,960 |
| Efficiency ratio | 63.7932% | 3,271 |
| Assets per employee ($millions) | 4.0161% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0475% | 35 |
| Loan loss allowance to noncurrent loans | 36.4107% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 8.7478% | 21 |
| Noncurrent loans to loans | 13.8627% | 12 |
| Net loans and leases to total assets | 55.1446% | 4,126 |
| Net loans and leases to deposits | 77.4663% | 3,116 |
| Net loans and leases to core deposits | 85.4135% | 2,918 |
| Total domestic deposits to total assets | 71.1852% | 5,071 |
| Equity capital to assets | 25.0839% | 115 |
| Core capital (leverage) ratio | 24.6529% | 118 |
| Tier 1 risk-based capital ratio | 57.5290% | 97 |
| Total risk-based capital ratio | 58.8465% | 95 |
| Memoranda: | ||
| Average total assets | $3,979,406,000 | 272 |
| Average earning assets | $3,666,577,500 | 266 |
| Average equity | $974,932,000 | 167 |
| Average total loans | $2,376,239,500 | 301 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 1,267 |
| Cost of funding earning assets | 0.5031% | 3,327 |
| Net interest margin | 4.4033% | 931 |
| Noninterest income to average assets | 2.4627% | 201 |
| Noninterest expense to average assets | 3.6835% | 790 |
| Loan and lease loss provision to assets | 0.2075% | 901 |
| Net operating income to assets | 2.3008% | 219 |
| Return on assets (ROA) | 2.3008% | 208 |
| Pretax return on assets | 2.6020% | 170 |
| Return on Equity (ROE) | 10.5861% | 2,254 |
| Retained earnings to average equity (ytd only) | 10.5861% | 510 |
| Net charge-offs to loans | 0.3187% | 608 |
| Credit loss provision to net charge-offs | 102.0881% | 2,473 |
| Earnings coverage of net charge-offs (x) | 13.8204% | 2,417 |
| Efficiency ratio | 56.2603% | 4,378 |
| Assets per employee ($millions) | 4.1510% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8607% | 6 |
| Loan loss allowance to noncurrent loans | 64.5564% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 10.0304% | 14 |
| Noncurrent loans to loans | 15.2745% | 10 |
| Net loans and leases to total assets | 55.2548% | 4,186 |
| Net loans and leases to deposits | 77.1665% | 3,262 |
| Net loans and leases to core deposits | 84.3880% | 3,044 |
| Total domestic deposits to total assets | 71.6046% | 5,097 |
| Equity capital to assets | 23.9334% | 127 |
| Core capital (leverage) ratio | 23.9744% | 128 |
| Tier 1 risk-based capital ratio | 55.6173% | 101 |
| Total risk-based capital ratio | 57.0243% | 98 |
| Memoranda: | ||
| Average total assets | $4,122,637,800 | 259 |
| Average earning assets | $3,773,549,400 | 259 |
| Average equity | $896,002,000 | 172 |
| Average total loans | $2,629,964,800 | 274 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 974 |
| Cost of funding earning assets | 0.5077% | 3,144 |
| Net interest margin | 4.4716% | 787 |
| Noninterest income to average assets | 1.0679% | 834 |
| Noninterest expense to average assets | 3.7406% | 721 |
| Loan and lease loss provision to assets | -0.0797% | 5,333 |
| Net operating income to assets | 0.8533% | 3,724 |
| Return on assets (ROA) | 0.8533% | 3,733 |
| Pretax return on assets | 1.4925% | 1,921 |
| Return on Equity (ROE) | 4.0256% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.0256% | 3,759 |
| Net charge-offs to loans | 0.4235% | 378 |
| Credit loss provision to net charge-offs | -29.2188% | 4,130 |
| Earnings coverage of net charge-offs (x) | 5.1800% | 2,983 |
| Efficiency ratio | 71.9967% | 1,880 |
| Assets per employee ($millions) | 4.3175% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1304% | 6 |
| Loan loss allowance to noncurrent loans | 61.4582% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 9.9033% | 19 |
| Noncurrent loans to loans | 14.8563% | 11 |
| Net loans and leases to total assets | 56.3029% | 4,192 |
| Net loans and leases to deposits | 76.9636% | 3,329 |
| Net loans and leases to core deposits | 83.7148% | 3,175 |
| Total domestic deposits to total assets | 73.1552% | 5,047 |
| Equity capital to assets | 21.6804% | 176 |
| Core capital (leverage) ratio | 21.8739% | 169 |
| Tier 1 risk-based capital ratio | 50.1863% | 130 |
| Total risk-based capital ratio | 51.5807% | 128 |
| Memoranda: | ||
| Average total assets | $4,142,524,500 | 253 |
| Average earning assets | $3,784,729,250 | 254 |
| Average equity | $878,090,500 | 174 |
| Average total loans | $2,667,859,250 | 272 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,512 |
| Cost of funding earning assets | 0.5166% | 2,884 |
| Net interest margin | 4.1839% | 1,325 |
| Noninterest income to average assets | 1.0617% | 858 |
| Noninterest expense to average assets | 3.9420% | 580 |
| Loan and lease loss provision to assets | -0.1875% | 5,470 |
| Net operating income to assets | 0.6779% | 4,257 |
| Return on assets (ROA) | 0.6779% | 4,264 |
| Pretax return on assets | 1.1147% | 3,254 |
| Return on Equity (ROE) | 3.2222% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.2222% | 3,959 |
| Net charge-offs to loans | 0.5267% | 282 |
| Credit loss provision to net charge-offs | -54.5825% | 4,024 |
| Earnings coverage of net charge-offs (x) | 2.6998% | 2,951 |
| Efficiency ratio | 80.3338% | 977 |
| Assets per employee ($millions) | 4.2607% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7183% | 9 |
| Loan loss allowance to noncurrent loans | 50.3099% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 12.0127% | 12 |
| Noncurrent loans to loans | 17.3292% | 5 |
| Net loans and leases to total assets | 58.6538% | 3,934 |
| Net loans and leases to deposits | 79.8278% | 2,970 |
| Net loans and leases to core deposits | 86.7781% | 2,841 |
| Total domestic deposits to total assets | 73.4755% | 5,086 |
| Equity capital to assets | 21.2194% | 183 |
| Core capital (leverage) ratio | 21.4388% | 179 |
| Tier 1 risk-based capital ratio | 46.3551% | 163 |
| Total risk-based capital ratio | 47.7397% | 157 |
| Memoranda: | ||
| Average total assets | $4,148,949,670 | 252 |
| Average earning assets | $3,775,743,000 | 254 |
| Average equity | $872,808,330 | 173 |
| Average total loans | $2,705,555,670 | 269 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6953% | 1,319 |
| Cost of funding earning assets | 0.5264% | 2,578 |
| Net interest margin | 4.1690% | 1,249 |
| Noninterest income to average assets | 0.7344% | 1,684 |
| Noninterest expense to average assets | 4.0227% | 515 |
| Loan and lease loss provision to assets | 1.4414% | 55 |
| Net operating income to assets | -0.6870% | 5,518 |
| Return on assets (ROA) | -0.6870% | 5,515 |
| Pretax return on assets | -0.9504% | 5,528 |
| Return on Equity (ROE) | -3.2800% | 5,474 |
| Retained earnings to average equity (ytd only) | -3.2800% | 5,100 |
| Net charge-offs to loans | 0.3921% | 398 |
| Credit loss provision to net charge-offs | 559.6550% | 544 |
| Earnings coverage of net charge-offs (x) | 1.9063% | 2,507 |
| Efficiency ratio | 88.4510% | 511 |
| Assets per employee ($millions) | 4.1648% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6534% | 5 |
| Loan loss allowance to noncurrent loans | 64.2425% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 10.6803% | 17 |
| Noncurrent loans to loans | 15.0265% | 9 |
| Net loans and leases to total assets | 57.8065% | 3,955 |
| Net loans and leases to deposits | 76.7134% | 3,140 |
| Net loans and leases to core deposits | 83.4055% | 3,024 |
| Total domestic deposits to total assets | 75.3538% | 5,035 |
| Equity capital to assets | 20.7805% | 190 |
| Core capital (leverage) ratio | 20.9132% | 183 |
| Tier 1 risk-based capital ratio | 45.6469% | 166 |
| Total risk-based capital ratio | 47.0480% | 163 |
| Memoranda: | ||
| Average total assets | $4,142,061,500 | 251 |
| Average earning assets | $3,754,898,000 | 254 |
| Average equity | $867,559,500 | 172 |
| Average total loans | $2,720,935,500 | 269 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 382 |
| Cost of funding earning assets | 0.5378% | 2,050 |
| Net interest margin | 4.7373% | 396 |
| Noninterest income to average assets | 1.4887% | 476 |
| Noninterest expense to average assets | 5.1450% | 203 |
| Loan and lease loss provision to assets | 1.8311% | 41 |
| Net operating income to assets | -0.9054% | 5,574 |
| Return on assets (ROA) | -0.9054% | 5,576 |
| Pretax return on assets | -1.2907% | 5,621 |
| Return on Equity (ROE) | -4.1540% | 5,526 |
| Retained earnings to average equity (ytd only) | -4.1540% | 5,405 |
| Net charge-offs to loans | 2.8901% | 44 |
| Credit loss provision to net charge-offs | 87.1359% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.2572% | 4,001 |
| Efficiency ratio | 59.5222% | 4,334 |
| Assets per employee ($millions) | 4.0154% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7685% | 8 |
| Loan loss allowance to noncurrent loans | 61.0686% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 10.9933% | 21 |
| Noncurrent loans to loans | 14.3585% | 8 |
| Net loans and leases to total assets | 61.4957% | 3,680 |
| Net loans and leases to deposits | 82.0226% | 2,713 |
| Net loans and leases to core deposits | 88.8352% | 2,662 |
| Total domestic deposits to total assets | 74.9740% | 5,096 |
| Equity capital to assets | 21.1106% | 175 |
| Core capital (leverage) ratio | 21.2257% | 167 |
| Tier 1 risk-based capital ratio | 42.9463% | 178 |
| Total risk-based capital ratio | 44.3294% | 173 |
| Memoranda: | ||
| Average total assets | $4,179,298,200 | 242 |
| Average earning assets | $3,702,375,400 | 246 |
| Average equity | $910,932,600 | 160 |
| Average total loans | $3,038,885,000 | 241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3508% | 300 |
| Cost of funding earning assets | 0.5337% | 1,887 |
| Net interest margin | 4.8171% | 313 |
| Noninterest income to average assets | 1.0982% | 831 |
| Noninterest expense to average assets | 3.6495% | 819 |
| Loan and lease loss provision to assets | 0.7344% | 143 |
| Net operating income to assets | 0.6298% | 4,166 |
| Return on assets (ROA) | 0.6298% | 4,215 |
| Pretax return on assets | 0.9542% | 3,753 |
| Return on Equity (ROE) | 2.8823% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.8823% | 3,993 |
| Net charge-offs to loans | 0.9972% | 197 |
| Credit loss provision to net charge-offs | 96.9996% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.2303% | 3,186 |
| Efficiency ratio | 67.7610% | 3,058 |
| Assets per employee ($millions) | 3.9598% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2353% | 8 |
| Loan loss allowance to noncurrent loans | 39.4552% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 17.2308% | 7 |
| Noncurrent loans to loans | 20.8726% | 2 |
| Net loans and leases to total assets | 68.5438% | 2,734 |
| Net loans and leases to deposits | 92.4500% | 1,439 |
| Net loans and leases to core deposits | 100.7399% | 1,602 |
| Total domestic deposits to total assets | 74.1415% | 5,280 |
| Equity capital to assets | 22.2690% | 142 |
| Core capital (leverage) ratio | 20.7990% | 178 |
| Tier 1 risk-based capital ratio | 35.8966% | 286 |
| Total risk-based capital ratio | 37.2636% | 276 |
| Memoranda: | ||
| Average total assets | $4,199,540,330 | 242 |
| Average earning assets | $3,696,373,330 | 250 |
| Average equity | $917,673,330 | 161 |
| Average total loans | $3,188,520,330 | 230 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 306 |
| Cost of funding earning assets | 0.5272% | 1,882 |
| Net interest margin | 4.7969% | 314 |
| Noninterest income to average assets | 1.2924% | 610 |
| Noninterest expense to average assets | 3.7567% | 715 |
| Loan and lease loss provision to assets | 0.3839% | 294 |
| Net operating income to assets | 0.8437% | 3,020 |
| Return on assets (ROA) | 0.8437% | 3,064 |
| Pretax return on assets | 1.3794% | 1,950 |
| Return on Equity (ROE) | 3.8973% | 4,820 |
| Retained earnings to average equity (ytd only) | 3.8973% | 3,504 |
| Net charge-offs to loans | 0.4159% | 439 |
| Credit loss provision to net charge-offs | 120.6066% | 1,397 |
| Earnings coverage of net charge-offs (x) | 5.5400% | 2,284 |
| Efficiency ratio | 67.4748% | 3,279 |
| Assets per employee ($millions) | 3.9598% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0319% | 13 |
| Loan loss allowance to noncurrent loans | 38.0262% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 17.4836% | 7 |
| Noncurrent loans to loans | 21.1220% | 6 |
| Net loans and leases to total assets | 69.4987% | 2,463 |
| Net loans and leases to deposits | 93.3063% | 1,185 |
| Net loans and leases to core deposits | 101.5956% | 1,395 |
| Total domestic deposits to total assets | 74.4844% | 5,379 |
| Equity capital to assets | 21.7788% | 152 |
| Core capital (leverage) ratio | 20.5360% | 187 |
| Tier 1 risk-based capital ratio | 34.4365% | 339 |
| Total risk-based capital ratio | 35.7996% | 331 |
| Memoranda: | ||
| Average total assets | $4,226,354,000 | 238 |
| Average earning assets | $3,724,794,500 | 249 |
| Average equity | $914,883,500 | 159 |
| Average total loans | $3,234,381,500 | 231 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5273% | 239 |
| Cost of funding earning assets | 0.6022% | 1,315 |
| Net interest margin | 4.9252% | 284 |
| Noninterest income to average assets | 0.8296% | 1,651 |
| Noninterest expense to average assets | 6.9246% | 135 |
| Loan and lease loss provision to assets | 0.7946% | 144 |
| Net operating income to assets | -1.5070% | 5,863 |
| Return on assets (ROA) | -1.5070% | 5,864 |
| Pretax return on assets | -2.6361% | 5,886 |
| Return on Equity (ROE) | -6.9088% | 5,811 |
| Retained earnings to average equity (ytd only) | -6.9088% | 5,725 |
| Net charge-offs to loans | 0.6452% | 346 |
| Credit loss provision to net charge-offs | 156.0177% | 1,762 |
| Earnings coverage of net charge-offs (x) | -3.6160% | 4,209 |
| Efficiency ratio | 71.3153% | 2,692 |
| Assets per employee ($millions) | 3.9364% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7924% | 10 |
| Loan loss allowance to noncurrent loans | 35.5909% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 18.2731% | 7 |
| Noncurrent loans to loans | 21.8944% | 3 |
| Net loans and leases to total assets | 71.4491% | 2,254 |
| Net loans and leases to deposits | 95.8128% | 1,019 |
| Net loans and leases to core deposits | 104.4138% | 1,250 |
| Total domestic deposits to total assets | 74.5715% | 5,394 |
| Equity capital to assets | 21.5158% | 163 |
| Core capital (leverage) ratio | 19.9787% | 196 |
| Tier 1 risk-based capital ratio | 33.2103% | 371 |
| Total risk-based capital ratio | 34.5707% | 361 |
| Memoranda: | ||
| Average total assets | $4,447,414,000 | 217 |
| Average earning assets | $3,840,875,600 | 224 |
| Average equity | $970,123,800 | 146 |
| Average total loans | $3,510,472,200 | 200 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 231 |
| Cost of funding earning assets | 0.5893% | 1,415 |
| Net interest margin | 4.9749% | 261 |
| Noninterest income to average assets | 0.7356% | 2,021 |
| Noninterest expense to average assets | 3.7325% | 812 |
| Loan and lease loss provision to assets | 1.0395% | 96 |
| Net operating income to assets | 0.1634% | 5,529 |
| Return on assets (ROA) | 0.1634% | 5,585 |
| Pretax return on assets | 0.2417% | 5,529 |
| Return on Equity (ROE) | 0.7465% | 5,674 |
| Retained earnings to average equity (ytd only) | 0.7465% | 5,166 |
| Net charge-offs to loans | 0.7294% | 253 |
| Credit loss provision to net charge-offs | 179.7900% | 1,560 |
| Earnings coverage of net charge-offs (x) | 2.2159% | 3,605 |
| Efficiency ratio | 73.7979% | 2,324 |
| Assets per employee ($millions) | 4.1098% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5603% | 11 |
| Loan loss allowance to noncurrent loans | 33.9444% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 18.1731% | 7 |
| Noncurrent loans to loans | 22.2727% | 2 |
| Net loans and leases to total assets | 70.3972% | 2,434 |
| Net loans and leases to deposits | 95.0342% | 1,147 |
| Net loans and leases to core deposits | 103.3731% | 1,388 |
| Total domestic deposits to total assets | 74.0756% | 5,427 |
| Equity capital to assets | 21.9670% | 165 |
| Core capital (leverage) ratio | 18.7385% | 243 |
| Tier 1 risk-based capital ratio | 30.8164% | 453 |
| Total risk-based capital ratio | 32.1745% | 445 |
| Memoranda: | ||
| Average total assets | $4,501,368,500 | 215 |
| Average earning assets | $3,870,971,000 | 223 |
| Average equity | $985,039,500 | 143 |
| Average total loans | $3,568,354,000 | 197 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6645% | 199 |
| Cost of funding earning assets | 0.6039% | 1,289 |
| Net interest margin | 5.0606% | 230 |
| Noninterest income to average assets | 0.8501% | 1,547 |
| Noninterest expense to average assets | 3.7692% | 803 |
| Loan and lease loss provision to assets | 1.3087% | 73 |
| Net operating income to assets | 0.1808% | 5,557 |
| Return on assets (ROA) | 0.1808% | 5,612 |
| Pretax return on assets | 0.1123% | 5,715 |
| Return on Equity (ROE) | 0.8274% | 5,708 |
| Retained earnings to average equity (ytd only) | 0.8274% | 5,050 |
| Net charge-offs to loans | 0.6499% | 315 |
| Credit loss provision to net charge-offs | 250.7654% | 1,098 |
| Earnings coverage of net charge-offs (x) | 2.7228% | 3,223 |
| Efficiency ratio | 71.9957% | 2,654 |
| Assets per employee ($millions) | 3.8691% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4828% | 12 |
| Loan loss allowance to noncurrent loans | 33.2543% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 19.1894% | 7 |
| Noncurrent loans to loans | 22.5017% | 2 |
| Net loans and leases to total assets | 74.0751% | 1,826 |
| Net loans and leases to deposits | 101.3521% | 606 |
| Net loans and leases to core deposits | 111.0160% | 872 |
| Total domestic deposits to total assets | 73.0868% | 5,599 |
| Equity capital to assets | 22.6329% | 139 |
| Core capital (leverage) ratio | 18.1873% | 280 |
| Tier 1 risk-based capital ratio | 29.9349% | 497 |
| Total risk-based capital ratio | 31.2929% | 489 |
| Memoranda: | ||
| Average total assets | $4,505,842,330 | 216 |
| Average earning assets | $3,864,322,330 | 223 |
| Average equity | $984,763,670 | 142 |
| Average total loans | $3,618,544,000 | 195 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6814% | 191 |
| Cost of funding earning assets | 0.6151% | 1,240 |
| Net interest margin | 5.0663% | 221 |
| Noninterest income to average assets | 0.9298% | 1,234 |
| Noninterest expense to average assets | 3.8229% | 748 |
| Loan and lease loss provision to assets | 0.1697% | 1,215 |
| Net operating income to assets | 0.9741% | 2,396 |
| Return on assets (ROA) | 0.9741% | 2,510 |
| Pretax return on assets | 1.2706% | 2,417 |
| Return on Equity (ROE) | 4.5336% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.5336% | 3,217 |
| Net charge-offs to loans | 0.3581% | 623 |
| Credit loss provision to net charge-offs | 58.9215% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.0006% | 2,372 |
| Efficiency ratio | 72.0280% | 2,798 |
| Assets per employee ($millions) | 4.0026% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6803% | 24 |
| Loan loss allowance to noncurrent loans | 29.8981% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 18.8108% | 8 |
| Noncurrent loans to loans | 22.3435% | 2 |
| Net loans and leases to total assets | 74.1183% | 1,708 |
| Net loans and leases to deposits | 100.3763% | 598 |
| Net loans and leases to core deposits | 112.3295% | 737 |
| Total domestic deposits to total assets | 73.8404% | 5,619 |
| Equity capital to assets | 21.7695% | 158 |
| Core capital (leverage) ratio | 17.9101% | 300 |
| Tier 1 risk-based capital ratio | 28.3739% | 583 |
| Total risk-based capital ratio | 29.7147% | 567 |
| Memoranda: | ||
| Average total assets | $4,584,340,500 | 215 |
| Average earning assets | $3,921,211,500 | 221 |
| Average equity | $985,009,500 | 143 |
| Average total loans | $3,686,837,000 | 194 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1610% | 114 |
| Cost of funding earning assets | 0.6801% | 912 |
| Net interest margin | 5.4810% | 129 |
| Noninterest income to average assets | 1.9406% | 375 |
| Noninterest expense to average assets | 4.7147% | 355 |
| Loan and lease loss provision to assets | 0.9742% | 90 |
| Net operating income to assets | 0.8471% | 3,126 |
| Return on assets (ROA) | 0.8471% | 3,194 |
| Pretax return on assets | 0.8685% | 3,958 |
| Return on Equity (ROE) | 4.1184% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.1184% | 3,071 |
| Net charge-offs to loans | 0.7163% | 335 |
| Credit loss provision to net charge-offs | 163.2874% | 1,642 |
| Earnings coverage of net charge-offs (x) | 3.0885% | 3,779 |
| Efficiency ratio | 60.4405% | 4,853 |
| Assets per employee ($millions) | 3.9958% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4345% | 25 |
| Loan loss allowance to noncurrent loans | 28.7802% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 19.2416% | 8 |
| Noncurrent loans to loans | 22.3575% | 4 |
| Net loans and leases to total assets | 76.1556% | 1,392 |
| Net loans and leases to deposits | 102.1832% | 534 |
| Net loans and leases to core deposits | 115.1712% | 631 |
| Total domestic deposits to total assets | 74.5285% | 5,599 |
| Equity capital to assets | 21.2213% | 172 |
| Core capital (leverage) ratio | 17.5439% | 314 |
| Tier 1 risk-based capital ratio | 26.7410% | 691 |
| Total risk-based capital ratio | 28.0772% | 662 |
| Memoranda: | ||
| Average total assets | $4,706,986,000 | 205 |
| Average earning assets | $3,964,828,000 | 210 |
| Average equity | $968,189,400 | 142 |
| Average total loans | $3,920,690,800 | 179 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2926% | 95 |
| Cost of funding earning assets | 0.6906% | 881 |
| Net interest margin | 5.6020% | 106 |
| Noninterest income to average assets | 1.6488% | 474 |
| Noninterest expense to average assets | 3.9683% | 694 |
| Loan and lease loss provision to assets | 0.5668% | 169 |
| Net operating income to assets | 1.4197% | 1,063 |
| Return on assets (ROA) | 1.4197% | 1,107 |
| Pretax return on assets | 1.8172% | 866 |
| Return on Equity (ROE) | 6.9559% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.9559% | 1,713 |
| Net charge-offs to loans | 0.4371% | 581 |
| Credit loss provision to net charge-offs | 154.7975% | 1,641 |
| Earnings coverage of net charge-offs (x) | 6.5112% | 3,041 |
| Efficiency ratio | 61.9442% | 4,579 |
| Assets per employee ($millions) | 3.7018% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0103% | 35 |
| Loan loss allowance to noncurrent loans | 28.0819% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 18.9312% | 8 |
| Noncurrent loans to loans | 21.4029% | 5 |
| Net loans and leases to total assets | 78.4053% | 1,041 |
| Net loans and leases to deposits | 105.4339% | 387 |
| Net loans and leases to core deposits | 119.2710% | 494 |
| Total domestic deposits to total assets | 74.3643% | 5,680 |
| Equity capital to assets | 21.4600% | 171 |
| Core capital (leverage) ratio | 17.2415% | 357 |
| Tier 1 risk-based capital ratio | 27.2507% | 667 |
| Total risk-based capital ratio | 28.7027% | 638 |
| Memoranda: | ||
| Average total assets | $4,728,942,250 | 206 |
| Average earning assets | $3,970,422,000 | 213 |
| Average equity | $965,175,750 | 143 |
| Average total loans | $3,960,947,000 | 180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3334% | 89 |
| Cost of funding earning assets | 0.7071% | 809 |
| Net interest margin | 5.6263% | 105 |
| Noninterest income to average assets | 2.1931% | 318 |
| Noninterest expense to average assets | 4.1744% | 562 |
| Loan and lease loss provision to assets | 0.5621% | 167 |
| Net operating income to assets | 1.9701% | 385 |
| Return on assets (ROA) | 1.9701% | 401 |
| Pretax return on assets | 2.1613% | 445 |
| Return on Equity (ROE) | 9.8007% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.8007% | 702 |
| Net charge-offs to loans | 0.3574% | 731 |
| Credit loss provision to net charge-offs | 187.5297% | 1,300 |
| Earnings coverage of net charge-offs (x) | 9.0864% | 2,492 |
| Efficiency ratio | 60.0382% | 4,974 |
| Assets per employee ($millions) | 3.6695% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8298% | 44 |
| Loan loss allowance to noncurrent loans | 26.0078% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 19.7249% | 7 |
| Noncurrent loans to loans | 22.4154% | 7 |
| Net loans and leases to total assets | 78.6223% | 992 |
| Net loans and leases to deposits | 104.9629% | 410 |
| Net loans and leases to core deposits | 119.9825% | 466 |
| Total domestic deposits to total assets | 74.9048% | 5,714 |
| Equity capital to assets | 20.8477% | 189 |
| Core capital (leverage) ratio | 17.1541% | 353 |
| Tier 1 risk-based capital ratio | 29.0397% | 586 |
| Total risk-based capital ratio | 30.5071% | 570 |
| Memoranda: | ||
| Average total assets | $4,767,863,330 | 204 |
| Average earning assets | $3,986,855,670 | 211 |
| Average equity | $958,444,330 | 146 |
| Average total loans | $3,998,695,670 | 178 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4139% | 83 |
| Cost of funding earning assets | 0.7506% | 653 |
| Net interest margin | 5.6633% | 97 |
| Noninterest income to average assets | 0.7394% | 1,970 |
| Noninterest expense to average assets | 4.1110% | 610 |
| Loan and lease loss provision to assets | 0.9805% | 83 |
| Net operating income to assets | 0.5837% | 4,347 |
| Return on assets (ROA) | 0.5837% | 4,450 |
| Pretax return on assets | 0.3707% | 5,495 |
| Return on Equity (ROE) | 2.9582% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.9582% | 4,199 |
| Net charge-offs to loans | 0.3045% | 780 |
| Credit loss provision to net charge-offs | 383.0503% | 686 |
| Earnings coverage of net charge-offs (x) | 5.2789% | 2,402 |
| Efficiency ratio | 74.6580% | 2,708 |
| Assets per employee ($millions) | 3.5394% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8387% | 45 |
| Loan loss allowance to noncurrent loans | 26.3723% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 20.0281% | 8 |
| Noncurrent loans to loans | 22.1394% | 8 |
| Net loans and leases to total assets | 79.1042% | 785 |
| Net loans and leases to deposits | 103.3897% | 396 |
| Net loans and leases to core deposits | 117.2517% | 479 |
| Total domestic deposits to total assets | 76.5107% | 5,682 |
| Equity capital to assets | 19.9611% | 229 |
| Core capital (leverage) ratio | 15.7107% | 504 |
| Tier 1 risk-based capital ratio | 27.0761% | 706 |
| Total risk-based capital ratio | 28.5445% | 673 |
| Memoranda: | ||
| Average total assets | $4,784,967,000 | 201 |
| Average earning assets | $3,990,378,000 | 210 |
| Average equity | $944,237,000 | 146 |
| Average total loans | $4,021,990,500 | 174 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8574% | 74 |
| Cost of funding earning assets | 0.9288% | 330 |
| Net interest margin | 5.9285% | 88 |
| Noninterest income to average assets | 0.7777% | 1,959 |
| Noninterest expense to average assets | 3.8023% | 987 |
| Loan and lease loss provision to assets | 1.5638% | 51 |
| Net operating income to assets | 0.6988% | 3,896 |
| Return on assets (ROA) | 0.6679% | 4,150 |
| Pretax return on assets | 0.3059% | 5,693 |
| Return on Equity (ROE) | 3.7508% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,547 |
| Net charge-offs to loans | 0.4288% | 990 |
| Credit loss provision to net charge-offs | 447.7207% | 585 |
| Earnings coverage of net charge-offs (x) | 5.4414% | 3,417 |
| Efficiency ratio | 66.0880% | 4,231 |
| Assets per employee ($millions) | 3.5546% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5254% | 51 |
| Loan loss allowance to noncurrent loans | 24.5340% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 20.6795% | 8 |
| Noncurrent loans to loans | 22.5216% | 8 |
| Net loans and leases to total assets | 79.4527% | 815 |
| Net loans and leases to deposits | 107.1507% | 319 |
| Net loans and leases to core deposits | 122.2727% | 361 |
| Total domestic deposits to total assets | 74.1504% | 5,934 |
| Equity capital to assets | 19.5093% | 246 |
| Core capital (leverage) ratio | 14.7029% | 665 |
| Tier 1 risk-based capital ratio | 26.8397% | 696 |
| Total risk-based capital ratio | 28.1828% | 669 |
| Memoranda: | ||
| Average total assets | $5,150,108,600 | 182 |
| Average earning assets | $4,278,414,800 | 191 |
| Average equity | $917,126,800 | 141 |
| Average total loans | $4,195,022,000 | 165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9127% | 71 |
| Cost of funding earning assets | 0.9634% | 288 |
| Net interest margin | 5.9493% | 88 |
| Noninterest income to average assets | 0.6714% | 2,469 |
| Noninterest expense to average assets | 3.7039% | 1,113 |
| Loan and lease loss provision to assets | 0.8720% | 135 |
| Net operating income to assets | 0.6642% | 4,133 |
| Return on assets (ROA) | 0.6383% | 4,365 |
| Pretax return on assets | 1.0025% | 3,583 |
| Return on Equity (ROE) | 3.6650% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.6650% | 4,036 |
| Net charge-offs to loans | 0.3705% | 1,081 |
| Credit loss provision to net charge-offs | 291.1009% | 929 |
| Earnings coverage of net charge-offs (x) | 6.3931% | 3,092 |
| Efficiency ratio | 65.3329% | 4,321 |
| Assets per employee ($millions) | 3.5674% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4688% | 107 |
| Loan loss allowance to noncurrent loans | 25.4747% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 16.4105% | 26 |
| Noncurrent loans to loans | 17.5420% | 16 |
| Net loans and leases to total assets | 79.5783% | 760 |
| Net loans and leases to deposits | 109.5886% | 231 |
| Net loans and leases to core deposits | 124.5617% | 303 |
| Total domestic deposits to total assets | 72.6155% | 6,122 |
| Equity capital to assets | 18.8097% | 280 |
| Core capital (leverage) ratio | 14.0420% | 835 |
| Tier 1 risk-based capital ratio | 26.2006% | 767 |
| Total risk-based capital ratio | 27.5234% | 742 |
| Memoranda: | ||
| Average total assets | $5,231,747,500 | 179 |
| Average earning assets | $4,350,688,250 | 186 |
| Average equity | $911,147,750 | 141 |
| Average total loans | $4,229,631,250 | 163 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8236% | 72 |
| Cost of funding earning assets | 0.9956% | 260 |
| Net interest margin | 5.8279% | 93 |
| Noninterest income to average assets | 0.6212% | 2,703 |
| Noninterest expense to average assets | 3.5902% | 1,313 |
| Loan and lease loss provision to assets | 1.1342% | 84 |
| Net operating income to assets | 0.4506% | 5,014 |
| Return on assets (ROA) | 0.4124% | 5,248 |
| Pretax return on assets | 0.6761% | 4,721 |
| Return on Equity (ROE) | 2.4282% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.4282% | 4,663 |
| Net charge-offs to loans | 0.3630% | 1,127 |
| Credit loss provision to net charge-offs | 390.1976% | 707 |
| Earnings coverage of net charge-offs (x) | 6.4332% | 2,773 |
| Efficiency ratio | 65.1607% | 4,492 |
| Assets per employee ($millions) | 3.6287% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4433% | 124 |
| Loan loss allowance to noncurrent loans | 26.6478% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 15.4479% | 29 |
| Noncurrent loans to loans | 16.6740% | 25 |
| Net loans and leases to total assets | 77.3679% | 999 |
| Net loans and leases to deposits | 108.9798% | 228 |
| Net loans and leases to core deposits | 124.5464% | 293 |
| Total domestic deposits to total assets | 70.9928% | 6,311 |
| Equity capital to assets | 17.8748% | 334 |
| Core capital (leverage) ratio | 13.2443% | 1,068 |
| Tier 1 risk-based capital ratio | 25.8001% | 795 |
| Total risk-based capital ratio | 27.1234% | 769 |
| Memoranda: | ||
| Average total assets | $5,327,518,670 | 177 |
| Average earning assets | $4,423,469,000 | 180 |
| Average equity | $904,853,330 | 142 |
| Average total loans | $4,266,590,000 | 158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5380% | 89 |
| Cost of funding earning assets | 1.0500% | 209 |
| Net interest margin | 5.4880% | 131 |
| Noninterest income to average assets | 0.3811% | 4,343 |
| Noninterest expense to average assets | 3.5523% | 1,397 |
| Loan and lease loss provision to assets | 1.1273% | 99 |
| Net operating income to assets | 0.1640% | 5,896 |
| Return on assets (ROA) | 0.0403% | 6,167 |
| Pretax return on assets | 0.0649% | 6,131 |
| Return on Equity (ROE) | 0.2431% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.2431% | 5,474 |
| Net charge-offs to loans | 0.3349% | 1,069 |
| Credit loss provision to net charge-offs | 422.5166% | 629 |
| Earnings coverage of net charge-offs (x) | 5.1926% | 2,410 |
| Efficiency ratio | 71.3003% | 3,610 |
| Assets per employee ($millions) | 3.6811% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0555% | 181 |
| Loan loss allowance to noncurrent loans | 24.7494% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 15.0027% | 44 |
| Noncurrent loans to loans | 16.3862% | 32 |
| Net loans and leases to total assets | 76.2790% | 972 |
| Net loans and leases to deposits | 111.0178% | 138 |
| Net loans and leases to core deposits | 126.3277% | 224 |
| Total domestic deposits to total assets | 68.7088% | 6,496 |
| Equity capital to assets | 16.8272% | 415 |
| Core capital (leverage) ratio | 12.2970% | 1,480 |
| Tier 1 risk-based capital ratio | 24.0776% | 994 |
| Total risk-based capital ratio | 25.3919% | 962 |
| Memoranda: | ||
| Average total assets | $5,433,035,000 | 174 |
| Average earning assets | $4,510,951,500 | 179 |
| Average equity | $899,998,500 | 142 |
| Average total loans | $4,328,594,000 | 155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0300% | 62 |
| Cost of funding earning assets | 1.1356% | 236 |
| Net interest margin | 5.8944% | 89 |
| Noninterest income to average assets | 0.8436% | 1,888 |
| Noninterest expense to average assets | 4.2331% | 673 |
| Loan and lease loss provision to assets | 0.9495% | 194 |
| Net operating income to assets | 0.3725% | 5,250 |
| Return on assets (ROA) | 0.3725% | 5,364 |
| Pretax return on assets | 0.5153% | 5,161 |
| Return on Equity (ROE) | 2.4393% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.4393% | 4,512 |
| Net charge-offs to loans | 0.3877% | 1,740 |
| Credit loss provision to net charge-offs | 304.5693% | 750 |
| Earnings coverage of net charge-offs (x) | 4.6986% | 3,482 |
| Efficiency ratio | 73.7173% | 3,179 |
| Assets per employee ($millions) | 3.7409% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6857% | 247 |
| Loan loss allowance to noncurrent loans | 21.9362% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 15.3825% | 47 |
| Noncurrent loans to loans | 16.8021% | 32 |
| Net loans and leases to total assets | 76.8941% | 967 |
| Net loans and leases to deposits | 117.1172% | 88 |
| Net loans and leases to core deposits | 134.6248% | 159 |
| Total domestic deposits to total assets | 65.6557% | 6,638 |
| Equity capital to assets | 16.3090% | 483 |
| Core capital (leverage) ratio | 12.2231% | 1,483 |
| Tier 1 risk-based capital ratio | 22.8629% | 1,117 |
| Total risk-based capital ratio | 24.1679% | 1,088 |
| Memoranda: | ||
| Average total assets | $5,749,685,800 | 167 |
| Average earning assets | $4,735,035,000 | 167 |
| Average equity | $878,122,200 | 139 |
| Average total loans | $4,623,566,600 | 139 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0622% | 62 |
| Cost of funding earning assets | 1.1365% | 255 |
| Net interest margin | 5.9258% | 88 |
| Noninterest income to average assets | 0.8361% | 1,991 |
| Noninterest expense to average assets | 4.4804% | 531 |
| Loan and lease loss provision to assets | 1.0474% | 156 |
| Net operating income to assets | 0.1333% | 6,070 |
| Return on assets (ROA) | 0.1333% | 6,140 |
| Pretax return on assets | 0.1793% | 6,073 |
| Return on Equity (ROE) | 0.8872% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.8872% | 5,620 |
| Net charge-offs to loans | 0.4332% | 1,479 |
| Credit loss provision to net charge-offs | 300.1314% | 844 |
| Earnings coverage of net charge-offs (x) | 3.5150% | 3,676 |
| Efficiency ratio | 77.9377% | 2,433 |
| Assets per employee ($millions) | 3.8222% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4269% | 357 |
| Loan loss allowance to noncurrent loans | 20.1303% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 15.5959% | 47 |
| Noncurrent loans to loans | 17.0236% | 35 |
| Net loans and leases to total assets | 77.8814% | 761 |
| Net loans and leases to deposits | 123.4429% | 58 |
| Net loans and leases to core deposits | 143.4925% | 110 |
| Total domestic deposits to total assets | 63.0910% | 6,765 |
| Equity capital to assets | 15.6310% | 612 |
| Core capital (leverage) ratio | 11.3666% | 2,150 |
| Tier 1 risk-based capital ratio | 21.1614% | 1,469 |
| Total risk-based capital ratio | 22.4611% | 1,419 |
| Memoranda: | ||
| Average total assets | $5,814,192,750 | 165 |
| Average earning assets | $4,779,323,250 | 166 |
| Average equity | $873,744,000 | 138 |
| Average total loans | $4,683,369,250 | 136 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1919% | 58 |
| Cost of funding earning assets | 1.1199% | 306 |
| Net interest margin | 6.0720% | 74 |
| Noninterest income to average assets | 0.8683% | 1,931 |
| Noninterest expense to average assets | 4.9178% | 377 |
| Loan and lease loss provision to assets | 1.3328% | 110 |
| Net operating income to assets | -0.2266% | 6,506 |
| Return on assets (ROA) | -0.2266% | 6,537 |
| Pretax return on assets | -0.3824% | 6,588 |
| Return on Equity (ROE) | -1.5272% | 6,495 |
| Retained earnings to average equity (ytd only) | -1.5272% | 6,128 |
| Net charge-offs to loans | 0.4693% | 1,405 |
| Credit loss provision to net charge-offs | 352.7330% | 737 |
| Earnings coverage of net charge-offs (x) | 2.5152% | 3,687 |
| Efficiency ratio | 83.2582% | 1,723 |
| Assets per employee ($millions) | 4.0191% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2587% | 458 |
| Loan loss allowance to noncurrent loans | 19.8829% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 14.8869% | 62 |
| Noncurrent loans to loans | 16.3896% | 37 |
| Net loans and leases to total assets | 78.0994% | 738 |
| Net loans and leases to deposits | 128.0988% | 43 |
| Net loans and leases to core deposits | 151.9160% | 91 |
| Total domestic deposits to total assets | 60.9681% | 6,829 |
| Equity capital to assets | 14.8968% | 733 |
| Core capital (leverage) ratio | 10.6932% | 2,674 |
| Tier 1 risk-based capital ratio | 19.5134% | 1,853 |
| Total risk-based capital ratio | 20.8090% | 1,817 |
| Memoranda: | ||
| Average total assets | $5,878,091,000 | 158 |
| Average earning assets | $4,840,224,000 | 164 |
| Average equity | $872,041,330 | 137 |
| Average total loans | $4,733,070,000 | 133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4644% | 53 |
| Cost of funding earning assets | 1.0762% | 419 |
| Net interest margin | 6.3882% | 59 |
| Noninterest income to average assets | 1.2230% | 1,017 |
| Noninterest expense to average assets | 3.5191% | 1,584 |
| Loan and lease loss provision to assets | 1.8123% | 67 |
| Net operating income to assets | 0.8181% | 3,061 |
| Return on assets (ROA) | 0.8181% | 3,205 |
| Pretax return on assets | 1.1412% | 2,808 |
| Return on Equity (ROE) | 5.5257% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.5257% | 2,942 |
| Net charge-offs to loans | 0.4824% | 1,240 |
| Credit loss provision to net charge-offs | 467.1785% | 566 |
| Earnings coverage of net charge-offs (x) | 7.6137% | 2,043 |
| Efficiency ratio | 53.8751% | 6,239 |
| Assets per employee ($millions) | 3.7220% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0826% | 604 |
| Loan loss allowance to noncurrent loans | 18.9247% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 14.8467% | 75 |
| Noncurrent loans to loans | 16.2885% | 54 |
| Net loans and leases to total assets | 78.6398% | 545 |
| Net loans and leases to deposits | 134.6055% | 32 |
| Net loans and leases to core deposits | 158.4816% | 77 |
| Total domestic deposits to total assets | 58.4224% | 6,925 |
| Equity capital to assets | 15.1102% | 731 |
| Core capital (leverage) ratio | 11.1422% | 2,143 |
| Tier 1 risk-based capital ratio | 20.2916% | 1,701 |
| Total risk-based capital ratio | 21.5841% | 1,664 |
| Memoranda: | ||
| Average total assets | $5,909,344,500 | 161 |
| Average earning assets | $4,856,126,000 | 166 |
| Average equity | $874,893,500 | 140 |
| Average total loans | $4,752,140,000 | 134 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6847% | 103 |
| Cost of funding earning assets | 1.1696% | 665 |
| Net interest margin | 5.5151% | 167 |
| Noninterest income to average assets | 0.9612% | 1,660 |
| Noninterest expense to average assets | 3.5100% | 1,789 |
| Loan and lease loss provision to assets | 0.4437% | 1,425 |
| Net operating income to assets | 1.4335% | 1,039 |
| Return on assets (ROA) | 1.4791% | 1,066 |
| Pretax return on assets | 1.5183% | 1,628 |
| Return on Equity (ROE) | 11.5775% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.5775% | 367 |
| Net charge-offs to loans | 0.1588% | 4,112 |
| Credit loss provision to net charge-offs | 360.2745% | 678 |
| Earnings coverage of net charge-offs (x) | 15.5501% | 1,644 |
| Efficiency ratio | 64.0771% | 4,868 |
| Assets per employee ($millions) | 3.7415% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 1,004 |
| Loan loss allowance to noncurrent loans | 15.6145% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 14.9745% | 82 |
| Noncurrent loans to loans | 16.7773% | 57 |
| Net loans and leases to total assets | 77.6233% | 718 |
| Net loans and leases to deposits | 133.9200% | 37 |
| Net loans and leases to core deposits | 159.5285% | 82 |
| Total domestic deposits to total assets | 57.9625% | 6,990 |
| Equity capital to assets | 14.5078% | 867 |
| Core capital (leverage) ratio | 10.5585% | 2,695 |
| Tier 1 risk-based capital ratio | 20.2201% | 1,623 |
| Total risk-based capital ratio | 21.5052% | 1,585 |
| Memoranda: | ||
| Average total assets | $6,389,906,000 | 150 |
| Average earning assets | $5,171,791,800 | 158 |
| Average equity | $816,322,800 | 144 |
| Average total loans | $4,956,388,400 | 129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6506% | 119 |
| Cost of funding earning assets | 1.1874% | 732 |
| Net interest margin | 5.4632% | 185 |
| Noninterest income to average assets | 0.9766% | 1,576 |
| Noninterest expense to average assets | 3.3687% | 2,089 |
| Loan and lease loss provision to assets | 0.5831% | 973 |
| Net operating income to assets | 1.0101% | 2,454 |
| Return on assets (ROA) | 1.0101% | 2,683 |
| Pretax return on assets | 1.4379% | 2,123 |
| Return on Equity (ROE) | 8.1620% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.1620% | 1,553 |
| Net charge-offs to loans | 0.1543% | 3,880 |
| Credit loss provision to net charge-offs | 490.1934% | 549 |
| Earnings coverage of net charge-offs (x) | 16.9891% | 1,647 |
| Efficiency ratio | 61.8742% | 5,168 |
| Assets per employee ($millions) | 3.9605% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5716% | 1,115 |
| Loan loss allowance to noncurrent loans | 15.5953% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 14.4236% | 98 |
| Noncurrent loans to loans | 16.4896% | 79 |
| Net loans and leases to total assets | 76.4370% | 905 |
| Net loans and leases to deposits | 133.9363% | 37 |
| Net loans and leases to core deposits | 161.3294% | 78 |
| Total domestic deposits to total assets | 57.0697% | 7,089 |
| Equity capital to assets | 13.1338% | 1,527 |
| Core capital (leverage) ratio | 9.6741% | 4,005 |
| Tier 1 risk-based capital ratio | 19.2670% | 1,932 |
| Total risk-based capital ratio | 20.5537% | 1,891 |
| Memoranda: | ||
| Average total assets | $6,491,719,000 | 145 |
| Average earning assets | $5,243,963,250 | 156 |
| Average equity | $803,415,250 | 145 |
| Average total loans | $5,003,270,000 | 128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7486% | 104 |
| Cost of funding earning assets | 1.2075% | 787 |
| Net interest margin | 5.5411% | 169 |
| Noninterest income to average assets | 1.0691% | 1,253 |
| Noninterest expense to average assets | 3.2835% | 2,353 |
| Loan and lease loss provision to assets | 0.7046% | 773 |
| Net operating income to assets | 1.0692% | 2,167 |
| Return on assets (ROA) | 1.0692% | 2,393 |
| Pretax return on assets | 1.5242% | 1,790 |
| Return on Equity (ROE) | 8.8122% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.8122% | 1,340 |
| Net charge-offs to loans | 0.0785% | 4,365 |
| Credit loss provision to net charge-offs | 1,171.3996% | 280 |
| Earnings coverage of net charge-offs (x) | 37.0517% | 928 |
| Efficiency ratio | 58.9391% | 5,740 |
| Assets per employee ($millions) | 3.9075% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5601% | 1,193 |
| Loan loss allowance to noncurrent loans | 14.9937% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 14.4898% | 112 |
| Noncurrent loans to loans | 17.0743% | 72 |
| Net loans and leases to total assets | 75.2276% | 1,073 |
| Net loans and leases to deposits | 130.4207% | 42 |
| Net loans and leases to core deposits | 153.7694% | 99 |
| Total domestic deposits to total assets | 57.6807% | 7,151 |
| Equity capital to assets | 12.7799% | 1,640 |
| Core capital (leverage) ratio | 9.2310% | 4,555 |
| Tier 1 risk-based capital ratio | 18.8199% | 2,022 |
| Total risk-based capital ratio | 20.1062% | 1,985 |
| Memoranda: | ||
| Average total assets | $6,556,560,330 | 144 |
| Average earning assets | $5,257,342,330 | 155 |
| Average equity | $795,534,330 | 144 |
| Average total loans | $5,024,214,000 | 126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8458% | 105 |
| Cost of funding earning assets | 1.2000% | 989 |
| Net interest margin | 5.6458% | 150 |
| Noninterest income to average assets | 1.1913% | 1,007 |
| Noninterest expense to average assets | 3.2588% | 2,417 |
| Loan and lease loss provision to assets | 0.4857% | 1,252 |
| Net operating income to assets | 1.3485% | 1,327 |
| Return on assets (ROA) | 1.3485% | 1,484 |
| Pretax return on assets | 1.9264% | 832 |
| Return on Equity (ROE) | 11.4038% | 1,866 |
| Retained earnings to average equity (ytd only) | 11.4038% | 942 |
| Net charge-offs to loans | -0.0216% | 6,209 |
| Credit loss provision to net charge-offs | -2,939.6364% | 6,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8087% | 6,044 |
| Assets per employee ($millions) | 4.2922% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 1,816 |
| Loan loss allowance to noncurrent loans | 15.3448% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 12.5334% | 183 |
| Noncurrent loans to loans | 14.5641% | 131 |
| Net loans and leases to total assets | 75.0470% | 913 |
| Net loans and leases to deposits | 135.5305% | 35 |
| Net loans and leases to core deposits | 164.5155% | 78 |
| Total domestic deposits to total assets | 55.3728% | 7,226 |
| Equity capital to assets | 12.1623% | 1,937 |
| Core capital (leverage) ratio | 8.7461% | 5,209 |
| Tier 1 risk-based capital ratio | 17.7155% | 2,398 |
| Total risk-based capital ratio | 18.9949% | 2,362 |
| Memoranda: | ||
| Average total assets | $6,658,080,500 | 142 |
| Average earning assets | $5,282,839,000 | 154 |
| Average equity | $787,314,500 | 144 |
| Average total loans | $5,083,734,000 | 124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9237% | 104 |
| Cost of funding earning assets | 1.3485% | 1,246 |
| Net interest margin | 5.5752% | 158 |
| Noninterest income to average assets | 1.5142% | 572 |
| Noninterest expense to average assets | 3.1774% | 2,944 |
| Loan and lease loss provision to assets | 1.2609% | 669 |
| Net operating income to assets | 1.3639% | 1,101 |
| Return on assets (ROA) | 1.3835% | 1,147 |
| Pretax return on assets | 1.5406% | 1,363 |
| Return on Equity (ROE) | 12.6659% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.6659% | 253 |
| Net charge-offs to loans | 0.4484% | 3,188 |
| Credit loss provision to net charge-offs | 378.9611% | 616 |
| Earnings coverage of net charge-offs (x) | 8.3543% | 2,164 |
| Efficiency ratio | 52.6477% | 6,647 |
| Assets per employee ($millions) | 4.1251% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 2,153 |
| Loan loss allowance to noncurrent loans | 11.9344% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 14.1376% | 148 |
| Noncurrent loans to loans | 17.0941% | 87 |
| Net loans and leases to total assets | 74.4066% | 1,198 |
| Net loans and leases to deposits | 142.6412% | 35 |
| Net loans and leases to core deposits | 177.9049% | 81 |
| Total domestic deposits to total assets | 52.1634% | 7,278 |
| Equity capital to assets | 11.4959% | 2,511 |
| Core capital (leverage) ratio | 8.2727% | 5,890 |
| Tier 1 risk-based capital ratio | 17.1816% | 2,522 |
| Total risk-based capital ratio | 18.4582% | 2,470 |
| Memoranda: | ||
| Average total assets | $6,787,214,400 | 142 |
| Average earning assets | $5,408,725,200 | 151 |
| Average equity | $741,391,400 | 145 |
| Average total loans | $5,035,669,200 | 122 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9430% | 105 |
| Cost of funding earning assets | 1.3709% | 1,367 |
| Net interest margin | 5.5721% | 161 |
| Noninterest income to average assets | 1.1203% | 1,058 |
| Noninterest expense to average assets | 3.1038% | 3,147 |
| Loan and lease loss provision to assets | 0.7336% | 1,304 |
| Net operating income to assets | 1.3767% | 1,208 |
| Return on assets (ROA) | 1.3997% | 1,233 |
| Pretax return on assets | 1.7762% | 998 |
| Return on Equity (ROE) | 12.9825% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.9825% | 382 |
| Net charge-offs to loans | 0.4760% | 2,833 |
| Credit loss provision to net charge-offs | 208.9426% | 1,395 |
| Earnings coverage of net charge-offs (x) | 7.0657% | 2,426 |
| Efficiency ratio | 54.7265% | 6,422 |
| Assets per employee ($millions) | 4.1882% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,420 |
| Loan loss allowance to noncurrent loans | 7.3520% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 13.1466% | 187 |
| Noncurrent loans to loans | 16.4646% | 107 |
| Net loans and leases to total assets | 72.5605% | 1,593 |
| Net loans and leases to deposits | 134.0613% | 42 |
| Net loans and leases to core deposits | 163.2571% | 104 |
| Total domestic deposits to total assets | 54.1249% | 7,344 |
| Equity capital to assets | 10.9099% | 3,230 |
| Core capital (leverage) ratio | 7.8156% | 6,547 |
| Tier 1 risk-based capital ratio | 16.9221% | 2,669 |
| Total risk-based capital ratio | 18.1820% | 2,640 |
| Memoranda: | ||
| Average total assets | $6,798,905,500 | 141 |
| Average earning assets | $5,447,033,000 | 151 |
| Average equity | $733,021,000 | 148 |
| Average total loans | $5,014,639,750 | 123 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1994% | 88 |
| Cost of funding earning assets | 1.4034% | 1,408 |
| Net interest margin | 5.7960% | 110 |
| Noninterest income to average assets | 1.2276% | 840 |
| Noninterest expense to average assets | 3.0457% | 3,452 |
| Loan and lease loss provision to assets | 0.7658% | 1,213 |
| Net operating income to assets | 1.9194% | 391 |
| Return on assets (ROA) | 1.9606% | 385 |
| Pretax return on assets | 2.0921% | 501 |
| Return on Equity (ROE) | 18.2583% | 445 |
| Retained earnings to average equity (ytd only) | 18.2583% | 132 |
| Net charge-offs to loans | 0.3938% | 2,981 |
| Credit loss provision to net charge-offs | 263.3229% | 1,156 |
| Earnings coverage of net charge-offs (x) | 9.6760% | 1,890 |
| Efficiency ratio | 51.0134% | 6,872 |
| Assets per employee ($millions) | 4.0157% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 5,544 |
| Loan loss allowance to noncurrent loans | 6.9059% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 13.6403% | 185 |
| Noncurrent loans to loans | 17.3747% | 93 |
| Net loans and leases to total assets | 70.5767% | 2,098 |
| Net loans and leases to deposits | 134.3679% | 48 |
| Net loans and leases to core deposits | 167.6993% | 104 |
| Total domestic deposits to total assets | 52.5249% | 7,417 |
| Equity capital to assets | 11.2118% | 2,756 |
| Core capital (leverage) ratio | 7.6818% | 6,604 |
| Tier 1 risk-based capital ratio | 18.3791% | 2,052 |
| Total risk-based capital ratio | 19.6400% | 1,995 |
| Memoranda: | ||
| Average total assets | $6,779,838,330 | 144 |
| Average earning assets | $5,418,460,670 | 154 |
| Average equity | $728,029,000 | 148 |
| Average total loans | $5,007,591,330 | 123 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4294% | 81 |
| Cost of funding earning assets | 1.4043% | 1,588 |
| Net interest margin | 6.0251% | 97 |
| Noninterest income to average assets | 1.1753% | 935 |
| Noninterest expense to average assets | 2.8846% | 4,128 |
| Loan and lease loss provision to assets | 0.8515% | 970 |
| Net operating income to assets | 2.0168% | 344 |
| Return on assets (ROA) | 2.0168% | 361 |
| Pretax return on assets | 2.2445% | 369 |
| Return on Equity (ROE) | 19.2005% | 384 |
| Retained earnings to average equity (ytd only) | 19.2005% | 189 |
| Net charge-offs to loans | 0.2989% | 2,852 |
| Credit loss provision to net charge-offs | 379.6122% | 874 |
| Earnings coverage of net charge-offs (x) | 13.8021% | 1,409 |
| Efficiency ratio | 47.9762% | 7,115 |
| Assets per employee ($millions) | 4.0589% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 6,291 |
| Loan loss allowance to noncurrent loans | 6.4152% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 13.3891% | 196 |
| Noncurrent loans to loans | 16.0342% | 125 |
| Net loans and leases to total assets | 75.1368% | 1,155 |
| Net loans and leases to deposits | 147.1840% | 34 |
| Net loans and leases to core deposits | 206.9420% | 71 |
| Total domestic deposits to total assets | 51.0496% | 7,482 |
| Equity capital to assets | 10.9637% | 2,725 |
| Core capital (leverage) ratio | 7.2830% | 6,871 |
| Tier 1 risk-based capital ratio | 16.2983% | 2,762 |
| Total risk-based capital ratio | 17.5554% | 2,718 |
| Memoranda: | ||
| Average total assets | $6,804,630,000 | 145 |
| Average earning assets | $5,427,034,500 | 154 |
| Average equity | $714,752,500 | 151 |
| Average total loans | $5,107,549,500 | 126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8664% | 178 |
| Cost of funding earning assets | 1.5333% | 2,457 |
| Net interest margin | 5.3332% | 226 |
| Noninterest income to average assets | 1.3229% | 843 |
| Noninterest expense to average assets | 3.1628% | 3,222 |
| Loan and lease loss provision to assets | 0.7155% | 2,292 |
| Net operating income to assets | 1.6978% | 519 |
| Return on assets (ROA) | 1.7317% | 529 |
| Pretax return on assets | 1.8399% | 702 |
| Return on Equity (ROE) | 18.5758% | 336 |
| Retained earnings to average equity (ytd only) | 18.5758% | 69 |
| Net charge-offs to loans | 0.6250% | 3,153 |
| Credit loss provision to net charge-offs | 153.3701% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.4002% | 2,632 |
| Efficiency ratio | 55.4144% | 6,667 |
| Assets per employee ($millions) | 3.9817% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 6,953 |
| Loan loss allowance to noncurrent loans | 5.3980% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 12.1364% | 271 |
| Noncurrent loans to loans | 14.9492% | 165 |
| Net loans and leases to total assets | 73.6318% | 1,742 |
| Net loans and leases to deposits | 149.4143% | 35 |
| Net loans and leases to core deposits | 203.5596% | 79 |
| Total domestic deposits to total assets | 49.2803% | 7,567 |
| Equity capital to assets | 10.0595% | 3,674 |
| Core capital (leverage) ratio | 6.7142% | 7,138 |
| Tier 1 risk-based capital ratio | 15.5687% | 2,967 |
| Total risk-based capital ratio | 16.8209% | 2,929 |
| Memoranda: | ||
| Average total assets | $4,938,908,800 | 171 |
| Average earning assets | $4,036,914,000 | 182 |
| Average equity | $460,432,400 | 194 |
| Average total loans | $3,686,541,200 | 149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7492% | 218 |
| Cost of funding earning assets | 1.5261% | 2,799 |
| Net interest margin | 5.2231% | 277 |
| Noninterest income to average assets | 1.3380% | 758 |
| Noninterest expense to average assets | 3.1740% | 3,015 |
| Loan and lease loss provision to assets | 0.6161% | 2,474 |
| Net operating income to assets | 1.8263% | 467 |
| Return on assets (ROA) | 1.8787% | 474 |
| Pretax return on assets | 1.9136% | 746 |
| Return on Equity (ROE) | 20.7922% | 265 |
| Retained earnings to average equity (ytd only) | 20.7922% | 69 |
| Net charge-offs to loans | 0.5173% | 3,226 |
| Credit loss provision to net charge-offs | 159.2153% | 2,387 |
| Earnings coverage of net charge-offs (x) | 6.3990% | 2,530 |
| Efficiency ratio | 55.9437% | 6,563 |
| Assets per employee ($millions) | 4.0100% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 7,197 |
| Loan loss allowance to noncurrent loans | 5.2548% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 11.0338% | 326 |
| Noncurrent loans to loans | 13.3251% | 218 |
| Net loans and leases to total assets | 75.0401% | 1,579 |
| Net loans and leases to deposits | 158.8614% | 29 |
| Net loans and leases to core deposits | 215.3864% | 78 |
| Total domestic deposits to total assets | 47.2362% | 7,668 |
| Equity capital to assets | 9.6979% | 4,549 |
| Core capital (leverage) ratio | 6.3306% | 7,377 |
| Tier 1 risk-based capital ratio | 14.6159% | 3,452 |
| Total risk-based capital ratio | 15.8660% | 3,423 |
| Memoranda: | ||
| Average total assets | $4,443,575,500 | 188 |
| Average earning assets | $3,668,581,000 | 193 |
| Average equity | $401,505,500 | 208 |
| Average total loans | $3,323,939,000 | 169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1302% | 712 |
| Cost of funding earning assets | 1.4752% | 3,401 |
| Net interest margin | 4.6550% | 886 |
| Noninterest income to average assets | 1.0259% | 1,293 |
| Noninterest expense to average assets | 3.1388% | 3,153 |
| Loan and lease loss provision to assets | 0.6490% | 2,220 |
| Net operating income to assets | 1.1258% | 1,772 |
| Return on assets (ROA) | 1.2275% | 1,554 |
| Pretax return on assets | 1.2537% | 2,244 |
| Return on Equity (ROE) | 14.2567% | 983 |
| Retained earnings to average equity (ytd only) | 14.2567% | 296 |
| Net charge-offs to loans | 0.6574% | 2,574 |
| Credit loss provision to net charge-offs | 132.8490% | 3,029 |
| Earnings coverage of net charge-offs (x) | 3.6826% | 3,215 |
| Efficiency ratio | 63.3716% | 5,454 |
| Assets per employee ($millions) | 4.4013% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 7,379 |
| Loan loss allowance to noncurrent loans | 5.4862% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 9.1324% | 484 |
| Noncurrent loans to loans | 11.3995% | 336 |
| Net loans and leases to total assets | 70.8567% | 2,700 |
| Net loans and leases to deposits | 153.0509% | 35 |
| Net loans and leases to core deposits | 215.5455% | 80 |
| Total domestic deposits to total assets | 46.2962% | 7,742 |
| Equity capital to assets | 8.8144% | 5,728 |
| Core capital (leverage) ratio | 7.4071% | 6,914 |
| Tier 1 risk-based capital ratio | 13.6196% | 3,994 |
| Total risk-based capital ratio | 14.7438% | 4,036 |
| Memoranda: | ||
| Average total assets | $3,606,963,670 | 217 |
| Average earning assets | $3,031,078,000 | 224 |
| Average equity | $310,563,330 | 248 |
| Average total loans | $2,680,372,670 | 193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 3,750 |
| Cost of funding earning assets | 1.5739% | 3,114 |
| Net interest margin | 3.6828% | 4,339 |
| Noninterest income to average assets | 1.0478% | 1,162 |
| Noninterest expense to average assets | 3.4609% | 2,078 |
| Loan and lease loss provision to assets | 1.2182% | 999 |
| Net operating income to assets | -0.0945% | 6,427 |
| Return on assets (ROA) | -0.0945% | 6,501 |
| Pretax return on assets | -0.0945% | 6,460 |
| Return on Equity (ROE) | -1.1510% | 6,543 |
| Retained earnings to average equity (ytd only) | -1.1510% | 6,070 |
| Net charge-offs to loans | 1.0270% | 1,604 |
| Credit loss provision to net charge-offs | 147.7831% | 2,409 |
| Earnings coverage of net charge-offs (x) | 1.3632% | 3,930 |
| Efficiency ratio | 75.4886% | 3,305 |
| Assets per employee ($millions) | 3.4415% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 1,917 |
| Loan loss allowance to noncurrent loans | 48.5267% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 3.8000% | 1,829 |
| Noncurrent loans to loans | 4.3636% | 1,733 |
| Net loans and leases to total assets | 76.9720% | 1,335 |
| Net loans and leases to deposits | 104.4808% | 502 |
| Net loans and leases to core deposits | 215.9005% | 89 |
| Total domestic deposits to total assets | 73.6709% | 7,088 |
| Equity capital to assets | 7.9765% | 6,680 |
| Core capital (leverage) ratio | 8.2676% | 5,807 |
| Tier 1 risk-based capital ratio | 11.2220% | 5,932 |
| Total risk-based capital ratio | 12.4785% | 5,882 |
| Memoranda: | ||
| Average total assets | $1,816,764,500 | 393 |
| Average earning assets | $1,744,759,000 | 370 |
| Average equity | $149,084,500 | 458 |
| Average total loans | $1,458,171,000 | 336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5342% | 3,968 |
| Cost of funding earning assets | 1.8088% | 3,941 |
| Net interest margin | 3.7254% | 4,024 |
| Noninterest income to average assets | 0.8999% | 1,939 |
| Noninterest expense to average assets | 4.1328% | 1,182 |
| Loan and lease loss provision to assets | 1.9162% | 1,158 |
| Net operating income to assets | -2.0622% | 7,119 |
| Return on assets (ROA) | -1.9205% | 7,057 |
| Pretax return on assets | -1.4522% | 6,672 |
| Return on Equity (ROE) | -18.3995% | 7,093 |
| Retained earnings to average equity (ytd only) | -18.3995% | 7,048 |
| Net charge-offs to loans | 2.1932% | 1,090 |
| Credit loss provision to net charge-offs | 102.2982% | 5,406 |
| Earnings coverage of net charge-offs (x) | 0.1720% | 5,983 |
| Efficiency ratio | 92.7677% | 1,504 |
| Assets per employee ($millions) | 3.1642% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 2,015 |
| Loan loss allowance to noncurrent loans | 51.7152% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.5445% | 1,892 |
| Noncurrent loans to loans | 3.8749% | 1,917 |
| Net loans and leases to total assets | 80.3206% | 937 |
| Net loans and leases to deposits | 118.5686% | 197 |
| Net loans and leases to core deposits | 189.1445% | 126 |
| Total domestic deposits to total assets | 67.7419% | 7,566 |
| Equity capital to assets | 8.4464% | 5,977 |
| Core capital (leverage) ratio | 8.3203% | 5,576 |
| Tier 1 risk-based capital ratio | 11.2476% | 5,669 |
| Total risk-based capital ratio | 12.5090% | 5,607 |
| Memoranda: | ||
| Average total assets | $1,658,609,200 | 417 |
| Average earning assets | $1,582,794,400 | 402 |
| Average equity | $173,119,000 | 398 |
| Average total loans | $1,416,531,000 | 354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 4,302 |
| Cost of funding earning assets | 1.8565% | 4,115 |
| Net interest margin | 3.6677% | 4,213 |
| Noninterest income to average assets | 0.8048% | 2,404 |
| Noninterest expense to average assets | 3.9776% | 1,305 |
| Loan and lease loss provision to assets | 2.1493% | 811 |
| Net operating income to assets | -1.8248% | 7,248 |
| Return on assets (ROA) | -1.8393% | 7,248 |
| Pretax return on assets | -1.8393% | 7,107 |
| Return on Equity (ROE) | -16.7516% | 7,264 |
| Retained earnings to average equity (ytd only) | -16.7516% | 7,223 |
| Net charge-offs to loans | 2.4249% | 759 |
| Credit loss provision to net charge-offs | 102.6536% | 4,953 |
| Earnings coverage of net charge-offs (x) | 0.1550% | 5,872 |
| Efficiency ratio | 92.4587% | 1,507 |
| Assets per employee ($millions) | 3.2274% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 2,172 |
| Loan loss allowance to noncurrent loans | 31.2598% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 5.4062% | 1,068 |
| Noncurrent loans to loans | 5.8902% | 1,018 |
| Net loans and leases to total assets | 84.9873% | 439 |
| Net loans and leases to deposits | 114.8240% | 295 |
| Net loans and leases to core deposits | 191.0351% | 131 |
| Total domestic deposits to total assets | 74.0153% | 6,943 |
| Equity capital to assets | 9.1321% | 5,285 |
| Core capital (leverage) ratio | 8.9759% | 4,685 |
| Tier 1 risk-based capital ratio | 10.4289% | 6,548 |
| Total risk-based capital ratio | 11.6903% | 6,484 |
| Memoranda: | ||
| Average total assets | $1,629,479,750 | 437 |
| Average earning assets | $1,553,746,500 | 422 |
| Average equity | $178,915,250 | 394 |
| Average total loans | $1,406,926,750 | 367 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 3,925 |
| Cost of funding earning assets | 2.0116% | 3,720 |
| Net interest margin | 3.6164% | 4,300 |
| Noninterest income to average assets | 0.7144% | 2,902 |
| Noninterest expense to average assets | 4.2503% | 1,009 |
| Loan and lease loss provision to assets | 1.8104% | 912 |
| Net operating income to assets | -1.9074% | 7,404 |
| Return on assets (ROA) | -1.9300% | 7,403 |
| Pretax return on assets | -1.9300% | 7,268 |
| Return on Equity (ROE) | -16.4965% | 7,401 |
| Retained earnings to average equity (ytd only) | -16.4965% | 7,324 |
| Net charge-offs to loans | 2.6175% | 644 |
| Credit loss provision to net charge-offs | 80.1938% | 5,192 |
| Earnings coverage of net charge-offs (x) | -0.0429% | 5,741 |
| Efficiency ratio | 102.3342% | 1,076 |
| Assets per employee ($millions) | 2.7649% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 1,886 |
| Loan loss allowance to noncurrent loans | 27.4796% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 6.1319% | 784 |
| Noncurrent loans to loans | 6.7682% | 750 |
| Net loans and leases to total assets | 83.3763% | 730 |
| Net loans and leases to deposits | 123.1647% | 188 |
| Net loans and leases to core deposits | 202.8715% | 114 |
| Total domestic deposits to total assets | 67.6950% | 7,639 |
| Equity capital to assets | 10.9788% | 2,940 |
| Core capital (leverage) ratio | 10.2607% | 3,032 |
| Tier 1 risk-based capital ratio | 13.1839% | 4,010 |
| Total risk-based capital ratio | 14.4468% | 3,925 |
| Memoranda: | ||
| Average total assets | $1,563,738,000 | 464 |
| Average earning assets | $1,487,005,330 | 445 |
| Average equity | $182,948,330 | 392 |
| Average total loans | $1,348,706,000 | 392 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 3,613 |
| Cost of funding earning assets | 2.1612% | 3,364 |
| Net interest margin | 3.5742% | 4,433 |
| Noninterest income to average assets | 0.7780% | 2,440 |
| Noninterest expense to average assets | 3.5995% | 1,867 |
| Loan and lease loss provision to assets | 0.6837% | 1,849 |
| Net operating income to assets | -0.1203% | 6,443 |
| Return on assets (ROA) | -0.1203% | 6,551 |
| Pretax return on assets | -0.1203% | 6,494 |
| Return on Equity (ROE) | -0.9970% | 6,536 |
| Retained earnings to average equity (ytd only) | -0.9970% | 5,886 |
| Net charge-offs to loans | 1.2549% | 1,120 |
| Credit loss provision to net charge-offs | 62.6915% | 4,471 |
| Earnings coverage of net charge-offs (x) | 0.5166% | 4,574 |
| Efficiency ratio | 86.4658% | 2,019 |
| Assets per employee ($millions) | 2.7558% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 1,411 |
| Loan loss allowance to noncurrent loans | 27.6029% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 6.4996% | 575 |
| Noncurrent loans to loans | 7.2517% | 532 |
| Net loans and leases to total assets | 82.8410% | 878 |
| Net loans and leases to deposits | 120.3734% | 279 |
| Net loans and leases to core deposits | 243.7213% | 75 |
| Total domestic deposits to total assets | 68.8200% | 7,534 |
| Equity capital to assets | 11.8941% | 2,329 |
| Core capital (leverage) ratio | 11.3473% | 2,248 |
| Tier 1 risk-based capital ratio | 14.1095% | 3,521 |
| Total risk-based capital ratio | 15.3706% | 3,444 |
| Memoranda: | ||
| Average total assets | $1,556,216,000 | 471 |
| Average earning assets | $1,473,790,000 | 451 |
| Average equity | $187,757,000 | 383 |
| Average total loans | $1,352,421,000 | 393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4327% | 3,266 |
| Cost of funding earning assets | 2.8964% | 2,279 |
| Net interest margin | 3.5363% | 5,164 |
| Noninterest income to average assets | 0.9206% | 1,886 |
| Noninterest expense to average assets | 3.8817% | 1,591 |
| Loan and lease loss provision to assets | 2.7322% | 359 |
| Net operating income to assets | -3.1538% | 7,860 |
| Return on assets (ROA) | -3.1538% | 7,831 |
| Pretax return on assets | -2.3757% | 7,552 |
| Return on Equity (ROE) | -28.0084% | 7,920 |
| Retained earnings to average equity (ytd only) | -28.0084% | 7,871 |
| Net charge-offs to loans | 2.2122% | 468 |
| Credit loss provision to net charge-offs | 136.8009% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.1785% | 6,139 |
| Efficiency ratio | 91.5897% | 1,404 |
| Assets per employee ($millions) | 2.7089% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 1,091 |
| Loan loss allowance to noncurrent loans | 37.2438% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 5.3624% | 612 |
| Noncurrent loans to loans | 5.6028% | 708 |
| Net loans and leases to total assets | 87.5076% | 414 |
| Net loans and leases to deposits | 115.1281% | 563 |
| Net loans and leases to core deposits | 302.3169% | 44 |
| Total domestic deposits to total assets | 76.0089% | 6,236 |
| Equity capital to assets | 12.2428% | 2,140 |
| Core capital (leverage) ratio | 11.5043% | 2,253 |
| Tier 1 risk-based capital ratio | 13.2423% | 3,971 |
| Total risk-based capital ratio | 14.5030% | 3,876 |
| Memoranda: | ||
| Average total assets | $1,552,291,400 | 453 |
| Average earning assets | $1,456,250,600 | 436 |
| Average equity | $174,790,400 | 411 |
| Average total loans | $1,401,418,600 | 372 |