Home > South State Bank > Performance and Condition Ratios
South State Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 3,289 |
| Cost of funding earning assets | 0.5282% | 3,806 |
| Net interest margin | 3.6514% | 2,504 |
| Noninterest income to average assets | 1.2212% | 591 |
| Noninterest expense to average assets | 2.6749% | 2,768 |
| Loan and lease loss provision to assets | 0.8535% | 278 |
| Net operating income to assets | 0.7238% | 3,190 |
| Return on assets (ROA) | 0.7369% | 3,226 |
| Pretax return on assets | 0.8670% | 3,231 |
| Return on Equity (ROE) | 4.9487% | 3,651 |
| Retained earnings to average equity (ytd only) | -7.1902% | 4,655 |
| Net charge-offs to loans | 0.0457% | 1,566 |
| Credit loss provision to net charge-offs | 2,643.3790% | 281 |
| Earnings coverage of net charge-offs (x) | 52.8059% | 865 |
| Efficiency ratio | 59.3840% | 3,819 |
| Assets per employee ($millions) | 6.4416% | 1,375 |
| Cash dividends to net income (ytd only)* | 245.2951% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,388 |
| Loan loss allowance to noncurrent loans | 255.3392% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 2,791 |
| Noncurrent loans to loans | 0.4897% | 2,797 |
| Net loans and leases to total assets | 68.7189% | 2,432 |
| Net loans and leases to deposits | 92.2558% | 1,252 |
| Net loans and leases to core deposits | 94.4157% | 1,931 |
| Total domestic deposits to total assets | 74.4874% | 4,622 |
| Equity capital to assets | 14.3297% | 949 |
| Core capital (leverage) ratio | 9.2353% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3097% | 3,002 |
| Memoranda: | ||
| Average total assets | $16,277,978,000 | 105 |
| Average earning assets | $14,081,644,000 | 109 |
| Average equity | $2,424,080,500 | 89 |
| Average total loans | $11,506,538,000 | 101 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 3,201 |
| Cost of funding earning assets | 0.6048% | 3,618 |
| Net interest margin | 3.8124% | 2,463 |
| Noninterest income to average assets | 1.0433% | 874 |
| Noninterest expense to average assets | 2.6841% | 2,931 |
| Loan and lease loss provision to assets | 0.0825% | 2,357 |
| Net operating income to assets | 1.2694% | 1,805 |
| Return on assets (ROA) | 1.2559% | 1,931 |
| Pretax return on assets | 1.5519% | 1,642 |
| Return on Equity (ROE) | 7.9047% | 3,204 |
| Retained earnings to average equity (ytd only) | -0.8222% | 4,791 |
| Net charge-offs to loans | 0.0520% | 2,371 |
| Credit loss provision to net charge-offs | 218.0003% | 1,215 |
| Earnings coverage of net charge-offs (x) | 43.6200% | 1,236 |
| Efficiency ratio | 59.9656% | 3,703 |
| Assets per employee ($millions) | 6.2519% | 1,452 |
| Cash dividends to net income (ytd only)* | 110.4019% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 4,835 |
| Loan loss allowance to noncurrent loans | 143.6207% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,022 |
| Noncurrent loans to loans | 0.3775% | 3,086 |
| Net loans and leases to total assets | 71.4467% | 2,180 |
| Net loans and leases to deposits | 93.2264% | 1,224 |
| Net loans and leases to core deposits | 95.5206% | 1,940 |
| Total domestic deposits to total assets | 76.6378% | 4,526 |
| Equity capital to assets | 15.4793% | 689 |
| Core capital (leverage) ratio | 9.5851% | 3,978 |
| Tier 1 risk-based capital ratio | 12.0690% | 4,324 |
| Total risk-based capital ratio | 12.5996% | 4,590 |
| Memoranda: | ||
| Average total assets | $15,484,401,800 | 99 |
| Average earning assets | $13,370,345,600 | 106 |
| Average equity | $2,460,232,400 | 86 |
| Average total loans | $11,261,234,800 | 97 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 3,203 |
| Cost of funding earning assets | 0.6144% | 3,620 |
| Net interest margin | 3.8371% | 2,479 |
| Noninterest income to average assets | 1.0421% | 853 |
| Noninterest expense to average assets | 2.7079% | 2,849 |
| Loan and lease loss provision to assets | 0.0799% | 2,309 |
| Net operating income to assets | 1.2527% | 2,006 |
| Return on assets (ROA) | 1.2344% | 2,159 |
| Pretax return on assets | 1.5440% | 1,828 |
| Return on Equity (ROE) | 7.7180% | 3,424 |
| Retained earnings to average equity (ytd only) | -2.4107% | 4,958 |
| Net charge-offs to loans | 0.0526% | 2,080 |
| Credit loss provision to net charge-offs | 208.2674% | 1,268 |
| Earnings coverage of net charge-offs (x) | 42.8979% | 1,306 |
| Efficiency ratio | 60.2295% | 3,598 |
| Assets per employee ($millions) | 6.1905% | 1,467 |
| Cash dividends to net income (ytd only)* | 131.2347% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 4,932 |
| Loan loss allowance to noncurrent loans | 161.4809% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 3,260 |
| Noncurrent loans to loans | 0.3280% | 3,358 |
| Net loans and leases to total assets | 71.8621% | 2,194 |
| Net loans and leases to deposits | 93.9539% | 1,220 |
| Net loans and leases to core deposits | 96.3565% | 1,968 |
| Total domestic deposits to total assets | 76.4865% | 4,588 |
| Equity capital to assets | 15.5031% | 727 |
| Core capital (leverage) ratio | 9.5769% | 4,082 |
| Tier 1 risk-based capital ratio | 12.0010% | 4,415 |
| Total risk-based capital ratio | 12.5231% | 4,678 |
| Memoranda: | ||
| Average total assets | $15,376,146,500 | 100 |
| Average earning assets | $13,274,130,000 | 108 |
| Average equity | $2,459,314,750 | 87 |
| Average total loans | $11,217,926,750 | 97 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 3,171 |
| Cost of funding earning assets | 0.6066% | 3,615 |
| Net interest margin | 3.8478% | 2,414 |
| Noninterest income to average assets | 1.0225% | 840 |
| Noninterest expense to average assets | 2.7969% | 2,597 |
| Loan and lease loss provision to assets | 0.0681% | 2,452 |
| Net operating income to assets | 1.1837% | 2,210 |
| Return on assets (ROA) | 1.1509% | 2,399 |
| Pretax return on assets | 1.4386% | 2,072 |
| Return on Equity (ROE) | 7.1205% | 3,630 |
| Retained earnings to average equity (ytd only) | -1.1961% | 4,846 |
| Net charge-offs to loans | 0.0454% | 2,004 |
| Credit loss provision to net charge-offs | 205.0553% | 1,183 |
| Earnings coverage of net charge-offs (x) | 46.6133% | 1,147 |
| Efficiency ratio | 62.4007% | 3,364 |
| Assets per employee ($millions) | 6.1635% | 1,428 |
| Cash dividends to net income (ytd only)* | 116.7986% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5163% | 4,998 |
| Loan loss allowance to noncurrent loans | 166.0761% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,273 |
| Noncurrent loans to loans | 0.3109% | 3,428 |
| Net loans and leases to total assets | 71.5293% | 2,280 |
| Net loans and leases to deposits | 93.9024% | 1,273 |
| Net loans and leases to core deposits | 96.2984% | 2,035 |
| Total domestic deposits to total assets | 76.1741% | 4,647 |
| Equity capital to assets | 15.7515% | 663 |
| Core capital (leverage) ratio | 9.8778% | 3,734 |
| Tier 1 risk-based capital ratio | 12.4178% | 4,177 |
| Total risk-based capital ratio | 12.9300% | 4,490 |
| Memoranda: | ||
| Average total assets | $15,251,987,330 | 102 |
| Average earning assets | $13,168,421,330 | 108 |
| Average equity | $2,465,246,330 | 86 |
| Average total loans | $11,164,722,330 | 99 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 3,171 |
| Cost of funding earning assets | 0.5733% | 3,710 |
| Net interest margin | 3.8419% | 2,373 |
| Noninterest income to average assets | 0.9742% | 871 |
| Noninterest expense to average assets | 2.6860% | 2,951 |
| Loan and lease loss provision to assets | 0.0396% | 2,834 |
| Net operating income to assets | 1.2500% | 1,893 |
| Return on assets (ROA) | 1.1861% | 2,157 |
| Pretax return on assets | 1.4863% | 1,816 |
| Return on Equity (ROE) | 7.2419% | 3,575 |
| Retained earnings to average equity (ytd only) | -0.3459% | 4,575 |
| Net charge-offs to loans | 0.0238% | 1,971 |
| Credit loss provision to net charge-offs | 225.1135% | 976 |
| Earnings coverage of net charge-offs (x) | 91.3328% | 710 |
| Efficiency ratio | 60.5508% | 3,740 |
| Assets per employee ($millions) | 5.9492% | 1,589 |
| Cash dividends to net income (ytd only)* | 104.7767% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5056% | 5,074 |
| Loan loss allowance to noncurrent loans | 121.8278% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,091 |
| Noncurrent loans to loans | 0.4150% | 3,101 |
| Net loans and leases to total assets | 72.2145% | 2,116 |
| Net loans and leases to deposits | 93.1597% | 1,265 |
| Net loans and leases to core deposits | 95.6552% | 1,961 |
| Total domestic deposits to total assets | 77.5169% | 4,588 |
| Equity capital to assets | 16.0209% | 568 |
| Core capital (leverage) ratio | 10.3713% | 3,198 |
| Tier 1 risk-based capital ratio | 12.6661% | 4,058 |
| Total risk-based capital ratio | 13.1700% | 4,401 |
| Memoranda: | ||
| Average total assets | $15,037,998,500 | 106 |
| Average earning assets | $12,985,936,500 | 109 |
| Average equity | $2,462,951,000 | 86 |
| Average total loans | $11,110,089,500 | 98 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,425 |
| Cost of funding earning assets | 0.3864% | 4,074 |
| Net interest margin | 4.1263% | 1,600 |
| Noninterest income to average assets | 1.1541% | 692 |
| Noninterest expense to average assets | 2.9695% | 2,139 |
| Loan and lease loss provision to assets | 0.0945% | 2,263 |
| Net operating income to assets | 1.3128% | 1,745 |
| Return on assets (ROA) | 1.3094% | 1,739 |
| Pretax return on assets | 1.6416% | 1,334 |
| Return on Equity (ROE) | 7.8465% | 3,506 |
| Retained earnings to average equity (ytd only) | 3.0313% | 3,882 |
| Net charge-offs to loans | 0.0454% | 2,523 |
| Credit loss provision to net charge-offs | 279.8011% | 1,087 |
| Earnings coverage of net charge-offs (x) | 51.5158% | 1,116 |
| Efficiency ratio | 60.9780% | 3,693 |
| Assets per employee ($millions) | 5.6393% | 1,823 |
| Cash dividends to net income (ytd only)* | 61.3679% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 5,112 |
| Loan loss allowance to noncurrent loans | 122.8354% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 3,012 |
| Noncurrent loans to loans | 0.4114% | 3,059 |
| Net loans and leases to total assets | 74.8630% | 1,790 |
| Net loans and leases to deposits | 94.1482% | 1,259 |
| Net loans and leases to core deposits | 96.6806% | 1,997 |
| Total domestic deposits to total assets | 79.5161% | 4,211 |
| Equity capital to assets | 16.7532% | 437 |
| Core capital (leverage) ratio | 10.5101% | 3,019 |
| Tier 1 risk-based capital ratio | 12.8734% | 3,921 |
| Total risk-based capital ratio | 13.3795% | 4,226 |
| Memoranda: | ||
| Average total assets | $14,580,555,200 | 105 |
| Average earning assets | $12,564,599,200 | 108 |
| Average equity | $2,433,069,600 | 85 |
| Average total loans | $10,845,381,600 | 99 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,305 |
| Cost of funding earning assets | 0.3457% | 4,211 |
| Net interest margin | 4.1534% | 1,487 |
| Noninterest income to average assets | 1.1649% | 693 |
| Noninterest expense to average assets | 3.0527% | 1,873 |
| Loan and lease loss provision to assets | 0.0920% | 2,139 |
| Net operating income to assets | 1.2764% | 1,948 |
| Return on assets (ROA) | 1.2717% | 1,964 |
| Pretax return on assets | 1.5925% | 1,606 |
| Return on Equity (ROE) | 7.6288% | 3,697 |
| Retained earnings to average equity (ytd only) | 5.2933% | 3,063 |
| Net charge-offs to loans | 0.0399% | 2,293 |
| Credit loss provision to net charge-offs | 311.4038% | 995 |
| Earnings coverage of net charge-offs (x) | 57.1887% | 1,084 |
| Efficiency ratio | 62.3020% | 3,463 |
| Assets per employee ($millions) | 5.4998% | 1,912 |
| Cash dividends to net income (ytd only)* | 30.6137% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 5,196 |
| Loan loss allowance to noncurrent loans | 122.4208% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 3,143 |
| Noncurrent loans to loans | 0.4019% | 3,208 |
| Net loans and leases to total assets | 74.9964% | 1,810 |
| Net loans and leases to deposits | 93.6008% | 1,419 |
| Net loans and leases to core deposits | 96.2308% | 2,096 |
| Total domestic deposits to total assets | 80.1237% | 4,089 |
| Equity capital to assets | 16.9514% | 422 |
| Core capital (leverage) ratio | 10.6848% | 2,899 |
| Tier 1 risk-based capital ratio | 13.1420% | 3,818 |
| Total risk-based capital ratio | 13.6332% | 4,158 |
| Memoranda: | ||
| Average total assets | $14,557,338,500 | 104 |
| Average earning assets | $12,540,923,750 | 108 |
| Average equity | $2,426,769,000 | 84 |
| Average total loans | $10,796,537,000 | 98 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,237 |
| Cost of funding earning assets | 0.2975% | 4,433 |
| Net interest margin | 4.1594% | 1,379 |
| Noninterest income to average assets | 1.2196% | 651 |
| Noninterest expense to average assets | 3.1449% | 1,676 |
| Loan and lease loss provision to assets | 0.0952% | 2,027 |
| Net operating income to assets | 1.2235% | 2,085 |
| Return on assets (ROA) | 1.2168% | 2,115 |
| Pretax return on assets | 1.5538% | 1,647 |
| Return on Equity (ROE) | 7.3400% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.2985% | 2,933 |
| Net charge-offs to loans | 0.0339% | 2,169 |
| Credit loss provision to net charge-offs | 380.5159% | 852 |
| Earnings coverage of net charge-offs (x) | 66.2689% | 942 |
| Efficiency ratio | 63.4479% | 3,394 |
| Assets per employee ($millions) | 5.4872% | 1,890 |
| Cash dividends to net income (ytd only)* | 27.8125% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4813% | 5,281 |
| Loan loss allowance to noncurrent loans | 120.2741% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 3,055 |
| Noncurrent loans to loans | 0.4001% | 3,252 |
| Net loans and leases to total assets | 74.2643% | 1,906 |
| Net loans and leases to deposits | 92.7414% | 1,502 |
| Net loans and leases to core deposits | 95.4775% | 2,105 |
| Total domestic deposits to total assets | 80.0768% | 4,219 |
| Equity capital to assets | 16.7368% | 426 |
| Core capital (leverage) ratio | 10.4586% | 3,073 |
| Tier 1 risk-based capital ratio | 12.7976% | 4,009 |
| Total risk-based capital ratio | 13.2741% | 4,353 |
| Memoranda: | ||
| Average total assets | $14,569,950,670 | 102 |
| Average earning assets | $12,549,939,670 | 108 |
| Average equity | $2,415,271,330 | 84 |
| Average total loans | $10,747,738,000 | 98 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,206 |
| Cost of funding earning assets | 0.2504% | 4,706 |
| Net interest margin | 4.1461% | 1,309 |
| Noninterest income to average assets | 1.2492% | 596 |
| Noninterest expense to average assets | 3.1805% | 1,611 |
| Loan and lease loss provision to assets | 0.0674% | 2,416 |
| Net operating income to assets | 1.2420% | 1,839 |
| Return on assets (ROA) | 1.2424% | 1,847 |
| Pretax return on assets | 1.5737% | 1,467 |
| Return on Equity (ROE) | 7.5312% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.5116% | 2,943 |
| Net charge-offs to loans | 0.0201% | 2,098 |
| Credit loss provision to net charge-offs | 457.8358% | 633 |
| Earnings coverage of net charge-offs (x) | 111.5075% | 563 |
| Efficiency ratio | 64.0294% | 3,480 |
| Assets per employee ($millions) | 5.4391% | 1,995 |
| Cash dividends to net income (ytd only)* | 26.8164% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4614% | 5,377 |
| Loan loss allowance to noncurrent loans | 115.5213% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,372 |
| Noncurrent loans to loans | 0.3994% | 3,352 |
| Net loans and leases to total assets | 72.3991% | 2,109 |
| Net loans and leases to deposits | 90.9869% | 1,563 |
| Net loans and leases to core deposits | 94.4043% | 2,105 |
| Total domestic deposits to total assets | 79.5709% | 4,480 |
| Equity capital to assets | 16.4261% | 447 |
| Core capital (leverage) ratio | 10.3472% | 3,124 |
| Tier 1 risk-based capital ratio | 12.6657% | 4,133 |
| Total risk-based capital ratio | 13.1194% | 4,517 |
| Memoranda: | ||
| Average total assets | $14,573,477,500 | 103 |
| Average earning assets | $12,554,921,500 | 106 |
| Average equity | $2,404,223,000 | 85 |
| Average total loans | $10,687,939,500 | 97 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 2,349 |
| Cost of funding earning assets | 0.1383% | 5,321 |
| Net interest margin | 4.1552% | 1,288 |
| Noninterest income to average assets | 1.3495% | 577 |
| Noninterest expense to average assets | 3.2574% | 1,473 |
| Loan and lease loss provision to assets | 0.1046% | 2,143 |
| Net operating income to assets | 0.8554% | 2,931 |
| Return on assets (ROA) | 0.8564% | 2,947 |
| Pretax return on assets | 1.6158% | 1,249 |
| Return on Equity (ROE) | 5.7319% | 3,861 |
| Retained earnings to average equity (ytd only) | 1.9849% | 4,131 |
| Net charge-offs to loans | 0.0399% | 2,995 |
| Credit loss provision to net charge-offs | 355.0314% | 832 |
| Earnings coverage of net charge-offs (x) | 58.3261% | 973 |
| Efficiency ratio | 63.6280% | 3,660 |
| Assets per employee ($millions) | 5.3186% | 2,129 |
| Cash dividends to net income (ytd only)* | 65.3720% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4495% | 5,446 |
| Loan loss allowance to noncurrent loans | 117.3076% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 3,422 |
| Noncurrent loans to loans | 0.3832% | 3,379 |
| Net loans and leases to total assets | 73.6188% | 1,980 |
| Net loans and leases to deposits | 92.1029% | 1,508 |
| Net loans and leases to core deposits | 95.5472% | 2,074 |
| Total domestic deposits to total assets | 79.9311% | 4,345 |
| Equity capital to assets | 16.5695% | 446 |
| Core capital (leverage) ratio | 10.1844% | 3,218 |
| Tier 1 risk-based capital ratio | 12.3840% | 4,272 |
| Total risk-based capital ratio | 12.8246% | 4,700 |
| Memoranda: | ||
| Average total assets | $11,364,388,600 | 114 |
| Average earning assets | $9,918,849,800 | 116 |
| Average equity | $1,697,910,600 | 104 |
| Average total loans | $8,390,559,000 | 112 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 1,898 |
| Cost of funding earning assets | 0.1308% | 5,422 |
| Net interest margin | 4.2890% | 947 |
| Noninterest income to average assets | 1.4192% | 533 |
| Noninterest expense to average assets | 3.4092% | 1,138 |
| Loan and lease loss provision to assets | 0.1018% | 2,077 |
| Net operating income to assets | 1.1311% | 1,948 |
| Return on assets (ROA) | 1.1339% | 1,994 |
| Pretax return on assets | 1.6764% | 1,177 |
| Return on Equity (ROE) | 7.8829% | 3,188 |
| Retained earnings to average equity (ytd only) | 5.3485% | 2,646 |
| Net charge-offs to loans | 0.0458% | 2,528 |
| Credit loss provision to net charge-offs | 301.3423% | 976 |
| Earnings coverage of net charge-offs (x) | 52.5384% | 1,083 |
| Efficiency ratio | 63.9528% | 3,551 |
| Assets per employee ($millions) | 4.9519% | 2,512 |
| Cash dividends to net income (ytd only)* | 32.1501% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5437% | 5,413 |
| Loan loss allowance to noncurrent loans | 139.4756% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 3,384 |
| Noncurrent loans to loans | 0.3898% | 3,557 |
| Net loans and leases to total assets | 74.0562% | 1,904 |
| Net loans and leases to deposits | 90.9104% | 1,699 |
| Net loans and leases to core deposits | 93.2433% | 2,327 |
| Total domestic deposits to total assets | 81.4607% | 3,927 |
| Equity capital to assets | 14.9562% | 741 |
| Core capital (leverage) ratio | 10.0223% | 3,541 |
| Tier 1 risk-based capital ratio | 12.5550% | 4,285 |
| Total risk-based capital ratio | 13.0980% | 4,603 |
| Memoranda: | ||
| Average total assets | $10,590,136,750 | 118 |
| Average earning assets | $9,293,917,000 | 120 |
| Average equity | $1,523,343,250 | 110 |
| Average total loans | $7,814,603,250 | 115 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 1,613 |
| Cost of funding earning assets | 0.1275% | 5,462 |
| Net interest margin | 4.3368% | 787 |
| Noninterest income to average assets | 1.4576% | 509 |
| Noninterest expense to average assets | 3.6465% | 822 |
| Loan and lease loss provision to assets | 0.1158% | 1,774 |
| Net operating income to assets | 1.0285% | 2,296 |
| Return on assets (ROA) | 1.0300% | 2,332 |
| Pretax return on assets | 1.5036% | 1,621 |
| Return on Equity (ROE) | 7.2637% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.6461% | 2,946 |
| Net charge-offs to loans | 0.0559% | 2,129 |
| Credit loss provision to net charge-offs | 281.4399% | 1,004 |
| Earnings coverage of net charge-offs (x) | 39.3100% | 1,263 |
| Efficiency ratio | 67.4473% | 3,105 |
| Assets per employee ($millions) | 4.9343% | 2,471 |
| Cash dividends to net income (ytd only)* | 36.0362% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5320% | 5,481 |
| Loan loss allowance to noncurrent loans | 114.5983% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,211 |
| Noncurrent loans to loans | 0.4642% | 3,347 |
| Net loans and leases to total assets | 73.5922% | 1,944 |
| Net loans and leases to deposits | 90.5504% | 1,659 |
| Net loans and leases to core deposits | 92.9376% | 2,254 |
| Total domestic deposits to total assets | 81.2720% | 4,112 |
| Equity capital to assets | 14.7348% | 759 |
| Core capital (leverage) ratio | 9.8032% | 3,775 |
| Tier 1 risk-based capital ratio | 12.4146% | 4,349 |
| Total risk-based capital ratio | 12.9497% | 4,720 |
| Memoranda: | ||
| Average total assets | $10,397,998,330 | 118 |
| Average earning assets | $9,125,921,330 | 119 |
| Average equity | $1,474,425,670 | 110 |
| Average total loans | $7,647,892,000 | 116 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 1,179 |
| Cost of funding earning assets | 0.1289% | 5,497 |
| Net interest margin | 4.4545% | 565 |
| Noninterest income to average assets | 1.4904% | 489 |
| Noninterest expense to average assets | 4.1473% | 450 |
| Loan and lease loss provision to assets | 0.1480% | 1,261 |
| Net operating income to assets | 0.8002% | 3,219 |
| Return on assets (ROA) | 0.8002% | 3,276 |
| Pretax return on assets | 1.1114% | 2,931 |
| Return on Equity (ROE) | 5.7690% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.9933% | 3,913 |
| Net charge-offs to loans | 0.0519% | 1,824 |
| Credit loss provision to net charge-offs | 388.5744% | 663 |
| Earnings coverage of net charge-offs (x) | 33.0734% | 1,157 |
| Efficiency ratio | 74.8559% | 2,091 |
| Assets per employee ($millions) | 4.8950% | 2,582 |
| Cash dividends to net income (ytd only)* | 48.1145% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 5,557 |
| Loan loss allowance to noncurrent loans | 110.8291% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 3,116 |
| Noncurrent loans to loans | 0.4875% | 3,344 |
| Net loans and leases to total assets | 71.0203% | 2,218 |
| Net loans and leases to deposits | 87.3523% | 1,876 |
| Net loans and leases to core deposits | 89.8507% | 2,362 |
| Total domestic deposits to total assets | 81.3033% | 4,345 |
| Equity capital to assets | 14.5179% | 751 |
| Core capital (leverage) ratio | 9.7475% | 3,817 |
| Tier 1 risk-based capital ratio | 12.3744% | 4,463 |
| Total risk-based capital ratio | 12.9102% | 4,833 |
| Memoranda: | ||
| Average total assets | $10,021,199,000 | 118 |
| Average earning assets | $8,810,498,500 | 124 |
| Average equity | $1,390,057,000 | 112 |
| Average total loans | $7,346,543,000 | 120 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,102 |
| Cost of funding earning assets | 0.0831% | 5,767 |
| Net interest margin | 4.2299% | 1,053 |
| Noninterest income to average assets | 1.5485% | 504 |
| Noninterest expense to average assets | 3.3050% | 1,561 |
| Loan and lease loss provision to assets | 0.0781% | 2,802 |
| Net operating income to assets | 1.2542% | 1,346 |
| Return on assets (ROA) | 1.2542% | 1,426 |
| Pretax return on assets | 1.9075% | 613 |
| Return on Equity (ROE) | 9.6998% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.4850% | 1,463 |
| Net charge-offs to loans | 0.0521% | 2,999 |
| Credit loss provision to net charge-offs | 204.3140% | 1,384 |
| Earnings coverage of net charge-offs (x) | 51.9263% | 990 |
| Efficiency ratio | 60.8280% | 4,451 |
| Assets per employee ($millions) | 4.3292% | 3,399 |
| Cash dividends to net income (ytd only)* | 33.1430% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 5,534 |
| Loan loss allowance to noncurrent loans | 117.3076% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 2,955 |
| Noncurrent loans to loans | 0.5108% | 3,316 |
| Net loans and leases to total assets | 75.2416% | 1,647 |
| Net loans and leases to deposits | 90.9295% | 1,583 |
| Net loans and leases to core deposits | 92.7118% | 2,233 |
| Total domestic deposits to total assets | 82.7473% | 3,845 |
| Equity capital to assets | 13.0610% | 1,231 |
| Core capital (leverage) ratio | 9.5843% | 3,987 |
| Tier 1 risk-based capital ratio | 12.0622% | 4,687 |
| Total risk-based capital ratio | 12.6619% | 5,012 |
| Memoranda: | ||
| Average total assets | $8,729,162,600 | 134 |
| Average earning assets | $7,722,539,400 | 136 |
| Average equity | $1,128,687,600 | 131 |
| Average total loans | $6,408,802,200 | 127 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,020 |
| Cost of funding earning assets | 0.0837% | 5,834 |
| Net interest margin | 4.2602% | 1,005 |
| Noninterest income to average assets | 1.5505% | 510 |
| Noninterest expense to average assets | 3.3376% | 1,479 |
| Loan and lease loss provision to assets | 0.0951% | 2,321 |
| Net operating income to assets | 1.2491% | 1,455 |
| Return on assets (ROA) | 1.2491% | 1,565 |
| Pretax return on assets | 1.8868% | 730 |
| Return on Equity (ROE) | 9.6854% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.2896% | 2,013 |
| Net charge-offs to loans | 0.0542% | 2,587 |
| Credit loss provision to net charge-offs | 240.7925% | 1,231 |
| Earnings coverage of net charge-offs (x) | 50.1702% | 1,067 |
| Efficiency ratio | 61.1014% | 4,374 |
| Assets per employee ($millions) | 4.3129% | 3,394 |
| Cash dividends to net income (ytd only)* | 35.0613% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 5,572 |
| Loan loss allowance to noncurrent loans | 130.6155% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 3,085 |
| Noncurrent loans to loans | 0.4733% | 3,596 |
| Net loans and leases to total assets | 74.4382% | 1,800 |
| Net loans and leases to deposits | 90.0094% | 1,752 |
| Net loans and leases to core deposits | 91.8724% | 2,391 |
| Total domestic deposits to total assets | 82.7005% | 3,712 |
| Equity capital to assets | 13.0750% | 1,455 |
| Core capital (leverage) ratio | 9.4163% | 4,306 |
| Tier 1 risk-based capital ratio | 11.8635% | 4,880 |
| Total risk-based capital ratio | 12.4778% | 5,149 |
| Memoranda: | ||
| Average total assets | $8,687,320,000 | 135 |
| Average earning assets | $7,685,806,000 | 137 |
| Average equity | $1,120,366,250 | 132 |
| Average total loans | $6,327,439,500 | 127 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 1,904 |
| Cost of funding earning assets | 0.0855% | 5,911 |
| Net interest margin | 4.2884% | 943 |
| Noninterest income to average assets | 1.5036% | 526 |
| Noninterest expense to average assets | 3.3604% | 1,460 |
| Loan and lease loss provision to assets | 0.1222% | 1,871 |
| Net operating income to assets | 1.1984% | 1,611 |
| Return on assets (ROA) | 1.1984% | 1,701 |
| Pretax return on assets | 1.8094% | 868 |
| Return on Equity (ROE) | 9.3359% | 2,344 |
| Retained earnings to average equity (ytd only) | 5.5488% | 2,395 |
| Net charge-offs to loans | 0.0647% | 2,272 |
| Credit loss provision to net charge-offs | 261.8930% | 1,067 |
| Earnings coverage of net charge-offs (x) | 41.4063% | 1,134 |
| Efficiency ratio | 61.8418% | 4,370 |
| Assets per employee ($millions) | 4.2890% | 3,391 |
| Cash dividends to net income (ytd only)* | 40.5652% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 5,643 |
| Loan loss allowance to noncurrent loans | 109.0152% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,936 |
| Noncurrent loans to loans | 0.5769% | 3,335 |
| Net loans and leases to total assets | 73.7379% | 1,891 |
| Net loans and leases to deposits | 89.4406% | 1,816 |
| Net loans and leases to core deposits | 91.4916% | 2,390 |
| Total domestic deposits to total assets | 82.4435% | 3,862 |
| Equity capital to assets | 12.9641% | 1,524 |
| Core capital (leverage) ratio | 9.1914% | 4,610 |
| Tier 1 risk-based capital ratio | 11.6184% | 5,084 |
| Total risk-based capital ratio | 12.2386% | 5,357 |
| Memoranda: | ||
| Average total assets | $8,651,749,670 | 131 |
| Average earning assets | $7,642,880,330 | 136 |
| Average equity | $1,110,549,330 | 131 |
| Average total loans | $6,240,972,000 | 128 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,779 |
| Cost of funding earning assets | 0.0923% | 5,943 |
| Net interest margin | 4.3159% | 900 |
| Noninterest income to average assets | 1.4417% | 542 |
| Noninterest expense to average assets | 3.3158% | 1,564 |
| Loan and lease loss provision to assets | 0.1187% | 1,779 |
| Net operating income to assets | 1.1996% | 1,566 |
| Return on assets (ROA) | 1.1996% | 1,665 |
| Pretax return on assets | 1.8147% | 826 |
| Return on Equity (ROE) | 9.3925% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.6597% | 2,551 |
| Net charge-offs to loans | 0.0757% | 1,728 |
| Credit loss provision to net charge-offs | 220.6212% | 1,018 |
| Earnings coverage of net charge-offs (x) | 35.9405% | 1,075 |
| Efficiency ratio | 61.4839% | 4,528 |
| Assets per employee ($millions) | 4.2546% | 3,481 |
| Cash dividends to net income (ytd only)* | 39.7423% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 5,707 |
| Loan loss allowance to noncurrent loans | 99.7723% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 2,834 |
| Noncurrent loans to loans | 0.6300% | 3,280 |
| Net loans and leases to total assets | 71.0563% | 2,182 |
| Net loans and leases to deposits | 85.8260% | 2,078 |
| Net loans and leases to core deposits | 88.0014% | 2,564 |
| Total domestic deposits to total assets | 82.7911% | 3,972 |
| Equity capital to assets | 12.8203% | 1,499 |
| Core capital (leverage) ratio | 9.1412% | 4,674 |
| Tier 1 risk-based capital ratio | 12.0296% | 4,896 |
| Total risk-based capital ratio | 12.6590% | 5,184 |
| Memoranda: | ||
| Average total assets | $8,617,872,000 | 135 |
| Average earning assets | $7,602,928,500 | 138 |
| Average equity | $1,100,622,000 | 134 |
| Average total loans | $6,126,321,000 | 128 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,115 |
| Cost of funding earning assets | 0.1088% | 5,929 |
| Net interest margin | 4.5889% | 557 |
| Noninterest income to average assets | 1.4724% | 569 |
| Noninterest expense to average assets | 3.4808% | 1,330 |
| Loan and lease loss provision to assets | 0.0715% | 2,841 |
| Net operating income to assets | 1.2879% | 1,297 |
| Return on assets (ROA) | 1.2840% | 1,350 |
| Pretax return on assets | 1.9410% | 610 |
| Return on Equity (ROE) | 9.8634% | 2,060 |
| Retained earnings to average equity (ytd only) | 2.1152% | 4,517 |
| Net charge-offs to loans | 0.0982% | 2,435 |
| Credit loss provision to net charge-offs | 101.5060% | 2,467 |
| Earnings coverage of net charge-offs (x) | 28.6514% | 1,499 |
| Efficiency ratio | 61.3851% | 4,704 |
| Assets per employee ($millions) | 4.1597% | 3,644 |
| Cash dividends to net income (ytd only)* | 78.5552% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 5,766 |
| Loan loss allowance to noncurrent loans | 91.3521% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 2,569 |
| Noncurrent loans to loans | 0.6839% | 3,153 |
| Net loans and leases to total assets | 70.2243% | 2,331 |
| Net loans and leases to deposits | 84.4190% | 2,317 |
| Net loans and leases to core deposits | 86.6517% | 2,736 |
| Total domestic deposits to total assets | 83.1854% | 3,779 |
| Equity capital to assets | 12.7218% | 1,502 |
| Core capital (leverage) ratio | 9.0349% | 4,843 |
| Tier 1 risk-based capital ratio | 12.3261% | 4,746 |
| Total risk-based capital ratio | 12.9587% | 5,044 |
| Memoranda: | ||
| Average total assets | $8,200,102,000 | 132 |
| Average earning assets | $7,195,975,200 | 131 |
| Average equity | $1,067,475,600 | 128 |
| Average total loans | $5,882,137,200 | 126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 986 |
| Cost of funding earning assets | 0.1111% | 6,015 |
| Net interest margin | 4.6584% | 487 |
| Noninterest income to average assets | 1.4382% | 603 |
| Noninterest expense to average assets | 3.4784% | 1,325 |
| Loan and lease loss provision to assets | 0.0828% | 2,516 |
| Net operating income to assets | 1.2889% | 1,371 |
| Return on assets (ROA) | 1.2889% | 1,423 |
| Pretax return on assets | 1.9603% | 648 |
| Return on Equity (ROE) | 9.8417% | 2,167 |
| Retained earnings to average equity (ytd only) | 0.6884% | 5,417 |
| Net charge-offs to loans | 0.0945% | 2,215 |
| Credit loss provision to net charge-offs | 121.7496% | 1,958 |
| Earnings coverage of net charge-offs (x) | 30.0321% | 1,496 |
| Efficiency ratio | 61.1938% | 4,693 |
| Assets per employee ($millions) | 4.0813% | 3,735 |
| Cash dividends to net income (ytd only)* | 93.0048% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 5,794 |
| Loan loss allowance to noncurrent loans | 79.7333% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 2,466 |
| Noncurrent loans to loans | 0.8381% | 2,875 |
| Net loans and leases to total assets | 69.2193% | 2,504 |
| Net loans and leases to deposits | 82.9102% | 2,540 |
| Net loans and leases to core deposits | 85.3826% | 2,912 |
| Total domestic deposits to total assets | 83.4871% | 3,614 |
| Equity capital to assets | 12.6786% | 1,629 |
| Core capital (leverage) ratio | 9.0394% | 4,950 |
| Tier 1 risk-based capital ratio | 12.2924% | 4,896 |
| Total risk-based capital ratio | 12.9714% | 5,172 |
| Memoranda: | ||
| Average total assets | $8,109,950,750 | 134 |
| Average earning assets | $7,108,704,750 | 133 |
| Average equity | $1,062,075,500 | 131 |
| Average total loans | $5,840,299,250 | 128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 822 |
| Cost of funding earning assets | 0.1145% | 6,068 |
| Net interest margin | 4.7235% | 424 |
| Noninterest income to average assets | 1.4408% | 610 |
| Noninterest expense to average assets | 3.5066% | 1,288 |
| Loan and lease loss provision to assets | 0.0993% | 2,168 |
| Net operating income to assets | 1.2960% | 1,330 |
| Return on assets (ROA) | 1.2960% | 1,394 |
| Pretax return on assets | 1.9636% | 645 |
| Return on Equity (ROE) | 9.7855% | 2,167 |
| Retained earnings to average equity (ytd only) | -2.2059% | 5,853 |
| Net charge-offs to loans | 0.1168% | 1,835 |
| Credit loss provision to net charge-offs | 116.7305% | 1,847 |
| Earnings coverage of net charge-offs (x) | 24.2436% | 1,569 |
| Efficiency ratio | 61.1685% | 4,804 |
| Assets per employee ($millions) | 3.9878% | 3,907 |
| Cash dividends to net income (ytd only)* | 122.5424% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,865 |
| Loan loss allowance to noncurrent loans | 57.9399% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 1,974 |
| Noncurrent loans to loans | 1.1622% | 2,325 |
| Net loans and leases to total assets | 71.9940% | 1,979 |
| Net loans and leases to deposits | 87.0879% | 1,930 |
| Net loans and leases to core deposits | 90.0785% | 2,340 |
| Total domestic deposits to total assets | 82.6681% | 4,068 |
| Equity capital to assets | 13.0639% | 1,372 |
| Core capital (leverage) ratio | 9.4263% | 4,381 |
| Tier 1 risk-based capital ratio | 12.6818% | 4,692 |
| Total risk-based capital ratio | 13.3753% | 4,959 |
| Memoranda: | ||
| Average total assets | $7,979,458,330 | 135 |
| Average earning assets | $6,974,646,670 | 136 |
| Average equity | $1,056,813,330 | 132 |
| Average total loans | $5,812,325,330 | 129 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 762 |
| Cost of funding earning assets | 0.1230% | 6,097 |
| Net interest margin | 4.7401% | 390 |
| Noninterest income to average assets | 1.3624% | 625 |
| Noninterest expense to average assets | 3.5071% | 1,292 |
| Loan and lease loss provision to assets | 0.0413% | 3,093 |
| Net operating income to assets | 1.2643% | 1,368 |
| Return on assets (ROA) | 1.2643% | 1,453 |
| Pretax return on assets | 1.9450% | 657 |
| Return on Equity (ROE) | 9.4803% | 2,228 |
| Retained earnings to average equity (ytd only) | -10.9763% | 6,154 |
| Net charge-offs to loans | 0.1196% | 1,553 |
| Credit loss provision to net charge-offs | 47.2832% | 2,127 |
| Earnings coverage of net charge-offs (x) | 22.7491% | 1,342 |
| Efficiency ratio | 61.9903% | 4,800 |
| Assets per employee ($millions) | 3.9120% | 4,139 |
| Cash dividends to net income (ytd only)* | 215.7798% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 5,971 |
| Loan loss allowance to noncurrent loans | 45.0357% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 1,733 |
| Noncurrent loans to loans | 1.4665% | 1,933 |
| Net loans and leases to total assets | 71.7158% | 1,853 |
| Net loans and leases to deposits | 86.5780% | 1,765 |
| Net loans and leases to core deposits | 89.5352% | 2,175 |
| Total domestic deposits to total assets | 82.8337% | 4,223 |
| Equity capital to assets | 13.0140% | 1,395 |
| Core capital (leverage) ratio | 9.3593% | 4,485 |
| Tier 1 risk-based capital ratio | 12.9278% | 4,645 |
| Total risk-based capital ratio | 13.6306% | 4,901 |
| Memoranda: | ||
| Average total assets | $7,925,566,000 | 134 |
| Average earning assets | $6,907,212,500 | 135 |
| Average equity | $1,056,965,500 | 130 |
| Average total loans | $5,787,589,500 | 127 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 773 |
| Cost of funding earning assets | 0.1429% | 6,139 |
| Net interest margin | 4.8590% | 389 |
| Noninterest income to average assets | 1.1930% | 847 |
| Noninterest expense to average assets | 3.7513% | 1,062 |
| Loan and lease loss provision to assets | 0.0831% | 2,818 |
| Net operating income to assets | 1.0484% | 2,171 |
| Return on assets (ROA) | 1.0484% | 2,240 |
| Pretax return on assets | 1.5482% | 1,391 |
| Return on Equity (ROE) | 7.9107% | 3,181 |
| Retained earnings to average equity (ytd only) | -0.6350% | 5,868 |
| Net charge-offs to loans | 0.1025% | 3,038 |
| Credit loss provision to net charge-offs | 112.2849% | 2,115 |
| Earnings coverage of net charge-offs (x) | 22.0320% | 1,640 |
| Efficiency ratio | 68.7718% | 3,756 |
| Assets per employee ($millions) | 3.7815% | 4,379 |
| Cash dividends to net income (ytd only)* | 108.0270% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 5,941 |
| Loan loss allowance to noncurrent loans | 53.2054% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 1,742 |
| Noncurrent loans to loans | 1.3619% | 2,159 |
| Net loans and leases to total assets | 73.3415% | 1,700 |
| Net loans and leases to deposits | 88.6885% | 1,653 |
| Net loans and leases to core deposits | 91.8165% | 2,110 |
| Total domestic deposits to total assets | 82.6956% | 4,185 |
| Equity capital to assets | 13.6664% | 1,086 |
| Core capital (leverage) ratio | 9.3010% | 4,536 |
| Tier 1 risk-based capital ratio | 13.3744% | 4,482 |
| Total risk-based capital ratio | 14.1787% | 4,695 |
| Memoranda: | ||
| Average total assets | $7,926,177,000 | 130 |
| Average earning assets | $6,834,336,200 | 132 |
| Average equity | $1,050,409,400 | 129 |
| Average total loans | $5,728,171,800 | 122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 786 |
| Cost of funding earning assets | 0.1443% | 6,221 |
| Net interest margin | 4.8468% | 384 |
| Noninterest income to average assets | 1.1427% | 919 |
| Noninterest expense to average assets | 3.7381% | 1,065 |
| Loan and lease loss provision to assets | 0.0857% | 2,643 |
| Net operating income to assets | 1.0021% | 2,444 |
| Return on assets (ROA) | 1.0021% | 2,505 |
| Pretax return on assets | 1.4960% | 1,657 |
| Return on Equity (ROE) | 7.6204% | 3,393 |
| Retained earnings to average equity (ytd only) | -2.7026% | 6,123 |
| Net charge-offs to loans | 0.0989% | 2,813 |
| Credit loss provision to net charge-offs | 120.5237% | 1,909 |
| Earnings coverage of net charge-offs (x) | 22.2510% | 1,636 |
| Efficiency ratio | 69.3367% | 3,621 |
| Assets per employee ($millions) | 3.8294% | 4,226 |
| Cash dividends to net income (ytd only)* | 135.4658% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 6,000 |
| Loan loss allowance to noncurrent loans | 46.9729% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8083% | 1,638 |
| Noncurrent loans to loans | 1.5923% | 2,036 |
| Net loans and leases to total assets | 72.1634% | 1,816 |
| Net loans and leases to deposits | 87.1336% | 1,774 |
| Net loans and leases to core deposits | 90.1686% | 2,208 |
| Total domestic deposits to total assets | 82.8193% | 4,198 |
| Equity capital to assets | 13.3867% | 1,242 |
| Core capital (leverage) ratio | 9.0282% | 5,037 |
| Tier 1 risk-based capital ratio | 13.1149% | 4,791 |
| Total risk-based capital ratio | 13.9402% | 4,956 |
| Memoranda: | ||
| Average total assets | $7,950,794,500 | 129 |
| Average earning assets | $6,852,198,000 | 134 |
| Average equity | $1,045,571,250 | 129 |
| Average total loans | $5,714,499,250 | 121 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 720 |
| Cost of funding earning assets | 0.1435% | 6,302 |
| Net interest margin | 4.8806% | 356 |
| Noninterest income to average assets | 1.1030% | 970 |
| Noninterest expense to average assets | 3.7422% | 1,065 |
| Loan and lease loss provision to assets | 0.0757% | 2,760 |
| Net operating income to assets | 0.9704% | 2,452 |
| Return on assets (ROA) | 0.9704% | 2,537 |
| Pretax return on assets | 1.4770% | 1,609 |
| Return on Equity (ROE) | 7.4231% | 3,405 |
| Retained earnings to average equity (ytd only) | -7.1337% | 6,346 |
| Net charge-offs to loans | 0.0583% | 3,137 |
| Credit loss provision to net charge-offs | 181.3702% | 1,262 |
| Earnings coverage of net charge-offs (x) | 37.2115% | 1,110 |
| Efficiency ratio | 69.7377% | 3,701 |
| Assets per employee ($millions) | 3.8177% | 4,222 |
| Cash dividends to net income (ytd only)* | 196.1005% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 6,030 |
| Loan loss allowance to noncurrent loans | 46.7826% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 1,746 |
| Noncurrent loans to loans | 1.6616% | 2,084 |
| Net loans and leases to total assets | 71.1495% | 1,896 |
| Net loans and leases to deposits | 86.4231% | 1,778 |
| Net loans and leases to core deposits | 89.6623% | 2,156 |
| Total domestic deposits to total assets | 82.3270% | 4,532 |
| Equity capital to assets | 13.0038% | 1,370 |
| Core capital (leverage) ratio | 8.8092% | 5,263 |
| Tier 1 risk-based capital ratio | 12.7435% | 5,066 |
| Total risk-based capital ratio | 13.6019% | 5,249 |
| Memoranda: | ||
| Average total assets | $7,975,383,670 | 128 |
| Average earning assets | $6,850,062,330 | 132 |
| Average equity | $1,042,604,670 | 128 |
| Average total loans | $5,710,276,000 | 121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 576 |
| Cost of funding earning assets | 0.1486% | 6,361 |
| Net interest margin | 4.9695% | 290 |
| Noninterest income to average assets | 0.9480% | 1,262 |
| Noninterest expense to average assets | 3.7261% | 1,091 |
| Loan and lease loss provision to assets | 0.0426% | 3,242 |
| Net operating income to assets | 0.9436% | 2,437 |
| Return on assets (ROA) | 0.9436% | 2,507 |
| Pretax return on assets | 1.4362% | 1,619 |
| Return on Equity (ROE) | 7.1993% | 3,354 |
| Retained earnings to average equity (ytd only) | -20.0294% | 6,531 |
| Net charge-offs to loans | 0.0233% | 3,106 |
| Credit loss provision to net charge-offs | 255.7229% | 893 |
| Earnings coverage of net charge-offs (x) | 88.6898% | 503 |
| Efficiency ratio | 70.6230% | 3,719 |
| Assets per employee ($millions) | 3.7999% | 4,328 |
| Cash dividends to net income (ytd only)* | 378.2148% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 6,090 |
| Loan loss allowance to noncurrent loans | 41.0938% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 2.1938% | 1,511 |
| Noncurrent loans to loans | 1.9605% | 1,917 |
| Net loans and leases to total assets | 70.4005% | 1,814 |
| Net loans and leases to deposits | 84.7562% | 1,747 |
| Net loans and leases to core deposits | 87.4251% | 2,153 |
| Total domestic deposits to total assets | 83.0623% | 4,589 |
| Equity capital to assets | 12.7645% | 1,421 |
| Core capital (leverage) ratio | 8.5430% | 5,592 |
| Tier 1 risk-based capital ratio | 12.5641% | 5,277 |
| Total risk-based capital ratio | 13.4557% | 5,437 |
| Memoranda: | ||
| Average total assets | $7,964,083,500 | 129 |
| Average earning assets | $6,822,213,500 | 134 |
| Average equity | $1,043,885,000 | 128 |
| Average total loans | $5,697,859,000 | 122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 517 |
| Cost of funding earning assets | 0.1682% | 6,453 |
| Net interest margin | 5.1400% | 236 |
| Noninterest income to average assets | 0.7427% | 2,322 |
| Noninterest expense to average assets | 3.8379% | 1,079 |
| Loan and lease loss provision to assets | 0.0301% | 4,507 |
| Net operating income to assets | 0.8608% | 2,972 |
| Return on assets (ROA) | 0.8609% | 3,059 |
| Pretax return on assets | 1.3042% | 2,130 |
| Return on Equity (ROE) | 7.0958% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.7193% | 2,799 |
| Net charge-offs to loans | 0.2456% | 2,508 |
| Credit loss provision to net charge-offs | 17.0357% | 4,499 |
| Earnings coverage of net charge-offs (x) | 7.5388% | 2,824 |
| Efficiency ratio | 72.9366% | 3,299 |
| Assets per employee ($millions) | 3.7670% | 4,333 |
| Cash dividends to net income (ytd only)* | 33.4913% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 6,170 |
| Loan loss allowance to noncurrent loans | 36.1326% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 2.4212% | 1,432 |
| Noncurrent loans to loans | 2.2226% | 1,750 |
| Net loans and leases to total assets | 71.5419% | 1,762 |
| Net loans and leases to deposits | 86.4127% | 1,638 |
| Net loans and leases to core deposits | 89.9703% | 2,029 |
| Total domestic deposits to total assets | 82.7909% | 4,614 |
| Equity capital to assets | 13.4529% | 1,084 |
| Core capital (leverage) ratio | 9.1626% | 4,765 |
| Tier 1 risk-based capital ratio | 13.3704% | 4,737 |
| Total risk-based capital ratio | 14.2600% | 4,917 |
| Memoranda: | ||
| Average total assets | $6,252,075,200 | 153 |
| Average earning assets | $5,387,827,000 | 157 |
| Average equity | $758,519,600 | 154 |
| Average total loans | $4,504,960,800 | 144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 615 |
| Cost of funding earning assets | 0.1634% | 6,582 |
| Net interest margin | 5.0601% | 285 |
| Noninterest income to average assets | 0.6346% | 2,958 |
| Noninterest expense to average assets | 3.6359% | 1,337 |
| Loan and lease loss provision to assets | 0.0434% | 4,145 |
| Net operating income to assets | 0.8746% | 2,971 |
| Return on assets (ROA) | 0.8747% | 3,080 |
| Pretax return on assets | 1.3253% | 2,232 |
| Return on Equity (ROE) | 7.4871% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.0139% | 3,073 |
| Net charge-offs to loans | 0.2937% | 2,069 |
| Credit loss provision to net charge-offs | 20.5123% | 4,071 |
| Earnings coverage of net charge-offs (x) | 6.4695% | 2,968 |
| Efficiency ratio | 71.2471% | 3,561 |
| Assets per employee ($millions) | 3.7470% | 4,356 |
| Cash dividends to net income (ytd only)* | 33.0319% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,076 |
| Loan loss allowance to noncurrent loans | 45.8061% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.7768% | 1,352 |
| Noncurrent loans to loans | 2.5296% | 1,708 |
| Net loans and leases to total assets | 71.5441% | 1,673 |
| Net loans and leases to deposits | 85.9921% | 1,618 |
| Net loans and leases to core deposits | 90.6027% | 1,915 |
| Total domestic deposits to total assets | 83.1984% | 4,498 |
| Equity capital to assets | 13.1705% | 1,256 |
| Core capital (leverage) ratio | 9.9529% | 3,737 |
| Tier 1 risk-based capital ratio | 12.9537% | 5,157 |
| Total risk-based capital ratio | 14.2041% | 5,102 |
| Memoranda: | ||
| Average total assets | $5,831,779,250 | 164 |
| Average earning assets | $5,036,404,750 | 163 |
| Average equity | $681,335,500 | 158 |
| Average total loans | $4,200,813,500 | 153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 780 |
| Cost of funding earning assets | 0.1501% | 6,710 |
| Net interest margin | 4.9429% | 338 |
| Noninterest income to average assets | 0.5605% | 3,438 |
| Noninterest expense to average assets | 3.4259% | 1,772 |
| Loan and lease loss provision to assets | 0.0486% | 4,007 |
| Net operating income to assets | 0.9470% | 2,585 |
| Return on assets (ROA) | 0.9471% | 2,731 |
| Pretax return on assets | 1.4107% | 1,892 |
| Return on Equity (ROE) | 8.6864% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.7862% | 2,563 |
| Net charge-offs to loans | 0.3386% | 1,831 |
| Credit loss provision to net charge-offs | 19.9646% | 3,736 |
| Earnings coverage of net charge-offs (x) | 5.9969% | 2,787 |
| Efficiency ratio | 68.4818% | 4,102 |
| Assets per employee ($millions) | 3.8638% | 4,082 |
| Cash dividends to net income (ytd only)* | 33.3871% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 2,015 |
| Loan loss allowance to noncurrent loans | 53.8636% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.9496% | 884 |
| Noncurrent loans to loans | 3.5861% | 1,155 |
| Net loans and leases to total assets | 70.7610% | 1,757 |
| Net loans and leases to deposits | 85.0731% | 1,678 |
| Net loans and leases to core deposits | 88.4376% | 2,066 |
| Total domestic deposits to total assets | 83.1767% | 4,634 |
| Equity capital to assets | 11.0948% | 2,664 |
| Core capital (leverage) ratio | 9.0010% | 4,984 |
| Tier 1 risk-based capital ratio | 13.2837% | 4,931 |
| Total risk-based capital ratio | 14.5443% | 4,869 |
| Memoranda: | ||
| Average total assets | $5,101,583,670 | 172 |
| Average earning assets | $4,463,210,330 | 173 |
| Average equity | $556,251,670 | 178 |
| Average total loans | $3,665,480,330 | 164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 866 |
| Cost of funding earning assets | 0.1551% | 6,783 |
| Net interest margin | 4.8573% | 365 |
| Noninterest income to average assets | 0.5726% | 3,288 |
| Noninterest expense to average assets | 3.4414% | 1,735 |
| Loan and lease loss provision to assets | 0.0826% | 3,276 |
| Net operating income to assets | 0.8672% | 2,824 |
| Return on assets (ROA) | 0.8673% | 2,963 |
| Pretax return on assets | 1.2888% | 2,264 |
| Return on Equity (ROE) | 8.0234% | 2,960 |
| Retained earnings to average equity (ytd only) | 4.4190% | 3,584 |
| Net charge-offs to loans | 0.3871% | 1,485 |
| Credit loss provision to net charge-offs | 29.7586% | 2,893 |
| Earnings coverage of net charge-offs (x) | 4.9402% | 2,444 |
| Efficiency ratio | 69.8337% | 4,004 |
| Assets per employee ($millions) | 3.9148% | 4,134 |
| Cash dividends to net income (ytd only)* | 44.9236% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 2,049 |
| Loan loss allowance to noncurrent loans | 53.5332% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 4.0293% | 983 |
| Noncurrent loans to loans | 3.7332% | 1,253 |
| Net loans and leases to total assets | 69.6439% | 1,726 |
| Net loans and leases to deposits | 84.6469% | 1,512 |
| Net loans and leases to core deposits | 88.4313% | 1,860 |
| Total domestic deposits to total assets | 82.2758% | 5,098 |
| Equity capital to assets | 10.8479% | 3,148 |
| Core capital (leverage) ratio | 8.6911% | 5,340 |
| Tier 1 risk-based capital ratio | 12.9242% | 5,286 |
| Total risk-based capital ratio | 14.1857% | 5,221 |
| Memoranda: | ||
| Average total assets | $5,133,194,500 | 174 |
| Average earning assets | $4,480,943,500 | 174 |
| Average equity | $554,880,000 | 182 |
| Average total loans | $3,680,513,000 | 166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 1,410 |
| Cost of funding earning assets | 0.2435% | 6,699 |
| Net interest margin | 4.8135% | 529 |
| Noninterest income to average assets | 0.7435% | 2,529 |
| Noninterest expense to average assets | 3.4412% | 1,963 |
| Loan and lease loss provision to assets | 0.3130% | 2,185 |
| Net operating income to assets | 0.7242% | 3,628 |
| Return on assets (ROA) | 0.7271% | 3,863 |
| Pretax return on assets | 1.0934% | 3,184 |
| Return on Equity (ROE) | 6.7833% | 3,766 |
| Retained earnings to average equity (ytd only) | -0.4350% | 5,927 |
| Net charge-offs to loans | 0.5801% | 1,989 |
| Credit loss provision to net charge-offs | 74.9367% | 4,012 |
| Earnings coverage of net charge-offs (x) | 3.3570% | 3,763 |
| Efficiency ratio | 70.0211% | 3,811 |
| Assets per employee ($millions) | 3.8718% | 4,223 |
| Cash dividends to net income (ytd only)* | 106.4128% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 1,872 |
| Loan loss allowance to noncurrent loans | 52.4662% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 4.1311% | 1,023 |
| Noncurrent loans to loans | 3.9188% | 1,219 |
| Net loans and leases to total assets | 70.8498% | 1,673 |
| Net loans and leases to deposits | 84.4678% | 1,704 |
| Net loans and leases to core deposits | 88.2519% | 2,059 |
| Total domestic deposits to total assets | 83.8779% | 4,369 |
| Equity capital to assets | 10.7713% | 3,205 |
| Core capital (leverage) ratio | 9.7019% | 3,800 |
| Tier 1 risk-based capital ratio | 12.5130% | 5,464 |
| Total risk-based capital ratio | 13.7754% | 5,411 |
| Memoranda: | ||
| Average total assets | $4,351,550,800 | 187 |
| Average earning assets | $3,706,278,000 | 196 |
| Average equity | $466,443,000 | 205 |
| Average total loans | $3,132,905,000 | 177 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 1,200 |
| Cost of funding earning assets | 0.2728% | 6,720 |
| Net interest margin | 4.9236% | 451 |
| Noninterest income to average assets | 0.7550% | 2,449 |
| Noninterest expense to average assets | 3.3229% | 2,209 |
| Loan and lease loss provision to assets | 0.3659% | 1,778 |
| Net operating income to assets | 0.8118% | 3,392 |
| Return on assets (ROA) | 0.8131% | 3,625 |
| Pretax return on assets | 1.2370% | 2,837 |
| Return on Equity (ROE) | 7.5969% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.3195% | 5,646 |
| Net charge-offs to loans | 0.6299% | 1,741 |
| Credit loss provision to net charge-offs | 80.7989% | 3,595 |
| Earnings coverage of net charge-offs (x) | 3.5353% | 3,605 |
| Efficiency ratio | 66.4389% | 4,367 |
| Assets per employee ($millions) | 3.8035% | 4,297 |
| Cash dividends to net income (ytd only)* | 82.6312% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4877% | 1,221 |
| Loan loss allowance to noncurrent loans | 59.2519% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 4.7473% | 956 |
| Noncurrent loans to loans | 4.1986% | 1,181 |
| Net loans and leases to total assets | 70.1853% | 1,877 |
| Net loans and leases to deposits | 84.3970% | 1,820 |
| Net loans and leases to core deposits | 87.7165% | 2,247 |
| Total domestic deposits to total assets | 83.1609% | 4,577 |
| Equity capital to assets | 10.9098% | 3,372 |
| Core capital (leverage) ratio | 9.2131% | 4,737 |
| Tier 1 risk-based capital ratio | 13.8031% | 4,688 |
| Total risk-based capital ratio | 15.0685% | 4,636 |
| Memoranda: | ||
| Average total assets | $4,156,892,500 | 201 |
| Average earning assets | $3,519,686,000 | 207 |
| Average equity | $444,906,750 | 217 |
| Average total loans | $2,988,375,250 | 184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 1,574 |
| Cost of funding earning assets | 0.2951% | 6,757 |
| Net interest margin | 4.7823% | 576 |
| Noninterest income to average assets | 0.8645% | 1,912 |
| Noninterest expense to average assets | 3.3644% | 2,115 |
| Loan and lease loss provision to assets | 0.3590% | 1,844 |
| Net operating income to assets | 0.7740% | 3,497 |
| Return on assets (ROA) | 0.7759% | 3,752 |
| Pretax return on assets | 1.1694% | 3,048 |
| Return on Equity (ROE) | 7.2991% | 3,616 |
| Retained earnings to average equity (ytd only) | -1.1301% | 6,230 |
| Net charge-offs to loans | 0.5964% | 1,820 |
| Credit loss provision to net charge-offs | 83.7770% | 3,216 |
| Earnings coverage of net charge-offs (x) | 3.5596% | 3,336 |
| Efficiency ratio | 67.7681% | 4,169 |
| Assets per employee ($millions) | 3.8363% | 4,231 |
| Cash dividends to net income (ytd only)* | 115.4822% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6873% | 1,048 |
| Loan loss allowance to noncurrent loans | 61.8383% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 4.9988% | 954 |
| Noncurrent loans to loans | 4.3457% | 1,237 |
| Net loans and leases to total assets | 68.6799% | 2,167 |
| Net loans and leases to deposits | 81.8921% | 2,124 |
| Net loans and leases to core deposits | 85.5739% | 2,482 |
| Total domestic deposits to total assets | 83.8663% | 4,368 |
| Equity capital to assets | 10.5951% | 3,572 |
| Core capital (leverage) ratio | 9.1160% | 4,739 |
| Tier 1 risk-based capital ratio | 13.6192% | 4,727 |
| Total risk-based capital ratio | 14.8919% | 4,679 |
| Memoranda: | ||
| Average total assets | $4,102,258,670 | 202 |
| Average earning assets | $3,452,974,670 | 208 |
| Average equity | $436,079,670 | 218 |
| Average total loans | $2,947,857,670 | 183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 1,623 |
| Cost of funding earning assets | 0.3212% | 6,771 |
| Net interest margin | 4.7641% | 609 |
| Noninterest income to average assets | 0.7467% | 2,416 |
| Noninterest expense to average assets | 3.3300% | 2,198 |
| Loan and lease loss provision to assets | 0.2745% | 2,269 |
| Net operating income to assets | 0.7496% | 3,625 |
| Return on assets (ROA) | 0.7496% | 3,864 |
| Pretax return on assets | 1.1272% | 3,209 |
| Return on Equity (ROE) | 7.0386% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.7766% | 3,692 |
| Net charge-offs to loans | 0.5636% | 1,676 |
| Credit loss provision to net charge-offs | 67.1020% | 2,976 |
| Earnings coverage of net charge-offs (x) | 3.4271% | 2,840 |
| Efficiency ratio | 69.3115% | 3,927 |
| Assets per employee ($millions) | 3.8074% | 4,408 |
| Cash dividends to net income (ytd only)* | 32.1366% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8774% | 932 |
| Loan loss allowance to noncurrent loans | 53.4932% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 5.8364% | 819 |
| Noncurrent loans to loans | 5.3790% | 1,006 |
| Net loans and leases to total assets | 68.2431% | 2,065 |
| Net loans and leases to deposits | 82.1295% | 1,924 |
| Net loans and leases to core deposits | 85.9168% | 2,301 |
| Total domestic deposits to total assets | 83.0921% | 4,890 |
| Equity capital to assets | 10.5118% | 3,476 |
| Core capital (leverage) ratio | 9.1052% | 4,677 |
| Tier 1 risk-based capital ratio | 14.3407% | 4,215 |
| Total risk-based capital ratio | 15.6164% | 4,173 |
| Memoranda: | ||
| Average total assets | $3,968,642,500 | 208 |
| Average earning assets | $3,319,672,500 | 210 |
| Average equity | $422,642,500 | 218 |
| Average total loans | $2,879,869,500 | 184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 1,424 |
| Cost of funding earning assets | 0.5727% | 6,223 |
| Net interest margin | 4.8258% | 591 |
| Noninterest income to average assets | 1.1461% | 995 |
| Noninterest expense to average assets | 3.4302% | 2,166 |
| Loan and lease loss provision to assets | 0.7866% | 1,262 |
| Net operating income to assets | 0.6241% | 3,865 |
| Return on assets (ROA) | 0.6299% | 4,035 |
| Pretax return on assets | 0.9299% | 3,514 |
| Return on Equity (ROE) | 6.0161% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.6520% | 3,611 |
| Net charge-offs to loans | 0.9524% | 1,819 |
| Credit loss provision to net charge-offs | 112.8083% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.4493% | 3,987 |
| Efficiency ratio | 65.7510% | 4,825 |
| Assets per employee ($millions) | 3.6357% | 4,694 |
| Cash dividends to net income (ytd only)* | 39.2962% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7677% | 1,013 |
| Loan loss allowance to noncurrent loans | 46.2972% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 6.6348% | 705 |
| Noncurrent loans to loans | 5.9781% | 836 |
| Net loans and leases to total assets | 72.8802% | 1,480 |
| Net loans and leases to deposits | 87.1114% | 1,501 |
| Net loans and leases to core deposits | 91.3545% | 1,954 |
| Total domestic deposits to total assets | 83.6633% | 4,466 |
| Equity capital to assets | 10.7926% | 3,205 |
| Core capital (leverage) ratio | 8.9867% | 4,813 |
| Tier 1 risk-based capital ratio | 13.8765% | 4,420 |
| Total risk-based capital ratio | 15.1510% | 4,354 |
| Memoranda: | ||
| Average total assets | $3,843,676,000 | 204 |
| Average earning assets | $3,179,632,000 | 210 |
| Average equity | $402,438,600 | 218 |
| Average total loans | $2,814,393,000 | 182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 1,574 |
| Cost of funding earning assets | 0.6240% | 6,160 |
| Net interest margin | 4.7560% | 678 |
| Noninterest income to average assets | 1.3284% | 740 |
| Noninterest expense to average assets | 3.4454% | 2,089 |
| Loan and lease loss provision to assets | 0.8067% | 1,153 |
| Net operating income to assets | 0.6553% | 3,844 |
| Return on assets (ROA) | 0.6629% | 3,981 |
| Pretax return on assets | 1.0213% | 3,321 |
| Return on Equity (ROE) | 6.3809% | 3,833 |
| Retained earnings to average equity (ytd only) | 3.9923% | 3,876 |
| Net charge-offs to loans | 0.9605% | 1,675 |
| Credit loss provision to net charge-offs | 115.3930% | 2,830 |
| Earnings coverage of net charge-offs (x) | 2.5983% | 3,818 |
| Efficiency ratio | 64.6732% | 4,957 |
| Assets per employee ($millions) | 3.6448% | 4,657 |
| Cash dividends to net income (ytd only)* | 37.4337% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0859% | 2,100 |
| Loan loss allowance to noncurrent loans | 36.2460% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 6.8854% | 726 |
| Noncurrent loans to loans | 5.7548% | 1,000 |
| Net loans and leases to total assets | 72.8374% | 1,541 |
| Net loans and leases to deposits | 87.0605% | 1,547 |
| Net loans and leases to core deposits | 91.9913% | 1,993 |
| Total domestic deposits to total assets | 83.6631% | 4,397 |
| Equity capital to assets | 10.7026% | 3,466 |
| Core capital (leverage) ratio | 8.9308% | 5,050 |
| Tier 1 risk-based capital ratio | 13.7418% | 4,546 |
| Total risk-based capital ratio | 15.0065% | 4,494 |
| Memoranda: | ||
| Average total assets | $3,831,149,000 | 204 |
| Average earning assets | $3,168,479,250 | 210 |
| Average equity | $397,988,000 | 219 |
| Average total loans | $2,788,347,500 | 183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 2,031 |
| Cost of funding earning assets | 0.6826% | 6,057 |
| Net interest margin | 4.5770% | 952 |
| Noninterest income to average assets | 1.0916% | 1,086 |
| Noninterest expense to average assets | 3.4449% | 2,135 |
| Loan and lease loss provision to assets | 0.7825% | 1,185 |
| Net operating income to assets | 0.4233% | 4,845 |
| Return on assets (ROA) | 0.4347% | 4,936 |
| Pretax return on assets | 0.6657% | 4,518 |
| Return on Equity (ROE) | 4.2285% | 4,821 |
| Retained earnings to average equity (ytd only) | 1.7943% | 5,098 |
| Net charge-offs to loans | 0.9415% | 1,658 |
| Credit loss provision to net charge-offs | 115.0647% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.1038% | 3,795 |
| Efficiency ratio | 69.7771% | 4,158 |
| Assets per employee ($millions) | 3.5303% | 4,858 |
| Cash dividends to net income (ytd only)* | 57.5669% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,905 |
| Loan loss allowance to noncurrent loans | 38.7321% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 6.7415% | 778 |
| Noncurrent loans to loans | 5.7042% | 1,082 |
| Net loans and leases to total assets | 71.1256% | 1,974 |
| Net loans and leases to deposits | 85.0709% | 1,937 |
| Net loans and leases to core deposits | 90.1980% | 2,352 |
| Total domestic deposits to total assets | 83.6074% | 4,504 |
| Equity capital to assets | 10.6863% | 3,302 |
| Core capital (leverage) ratio | 8.7097% | 5,216 |
| Tier 1 risk-based capital ratio | 13.7107% | 4,375 |
| Total risk-based capital ratio | 14.9764% | 4,338 |
| Memoranda: | ||
| Average total assets | $3,797,286,330 | 209 |
| Average earning assets | $3,139,320,670 | 218 |
| Average equity | $390,348,670 | 223 |
| Average total loans | $2,742,620,670 | 190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 3,112 |
| Cost of funding earning assets | 0.7513% | 5,851 |
| Net interest margin | 4.2470% | 1,757 |
| Noninterest income to average assets | 1.4452% | 609 |
| Noninterest expense to average assets | 3.4114% | 2,251 |
| Loan and lease loss provision to assets | 1.1269% | 642 |
| Net operating income to assets | 0.2859% | 5,479 |
| Return on assets (ROA) | 0.3082% | 5,442 |
| Pretax return on assets | 0.4720% | 5,114 |
| Return on Equity (ROE) | 3.0593% | 5,335 |
| Retained earnings to average equity (ytd only) | 0.5645% | 5,604 |
| Net charge-offs to loans | 1.2797% | 1,080 |
| Credit loss provision to net charge-offs | 122.3525% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.6989% | 3,463 |
| Efficiency ratio | 67.6073% | 4,741 |
| Assets per employee ($millions) | 3.5978% | 4,758 |
| Cash dividends to net income (ytd only)* | 81.5464% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6572% | 1,250 |
| Loan loss allowance to noncurrent loans | 40.7487% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 7.0226% | 759 |
| Noncurrent loans to loans | 6.5210% | 909 |
| Net loans and leases to total assets | 68.2388% | 2,500 |
| Net loans and leases to deposits | 81.0298% | 2,519 |
| Net loans and leases to core deposits | 86.1624% | 2,847 |
| Total domestic deposits to total assets | 84.2144% | 4,405 |
| Equity capital to assets | 9.8867% | 3,914 |
| Core capital (leverage) ratio | 8.5736% | 5,306 |
| Tier 1 risk-based capital ratio | 13.2286% | 4,635 |
| Total risk-based capital ratio | 14.5011% | 4,597 |
| Memoranda: | ||
| Average total assets | $3,777,213,500 | 209 |
| Average earning assets | $3,140,260,500 | 221 |
| Average equity | $380,483,500 | 224 |
| Average total loans | $2,718,401,000 | 190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4172% | 2,598 |
| Cost of funding earning assets | 1.0551% | 5,396 |
| Net interest margin | 4.3621% | 1,611 |
| Noninterest income to average assets | 4.0631% | 164 |
| Noninterest expense to average assets | 3.5771% | 1,981 |
| Loan and lease loss provision to assets | 1.5733% | 923 |
| Net operating income to assets | 1.6685% | 552 |
| Return on assets (ROA) | 1.5567% | 736 |
| Pretax return on assets | 2.4252% | 209 |
| Return on Equity (ROE) | 14.7283% | 756 |
| Retained earnings to average equity (ytd only) | 12.3380% | 248 |
| Net charge-offs to loans | 1.7219% | 1,258 |
| Credit loss provision to net charge-offs | 122.1745% | 3,425 |
| Earnings coverage of net charge-offs (x) | 3.2407% | 3,457 |
| Efficiency ratio | 45.5447% | 7,372 |
| Assets per employee ($millions) | 3.5401% | 4,848 |
| Cash dividends to net income (ytd only)* | 16.2290% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 2,931 |
| Loan loss allowance to noncurrent loans | 23.8633% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 7.9261% | 631 |
| Noncurrent loans to loans | 7.4521% | 728 |
| Net loans and leases to total assets | 72.7101% | 1,942 |
| Net loans and leases to deposits | 86.8919% | 1,956 |
| Net loans and leases to core deposits | 93.0451% | 2,380 |
| Total domestic deposits to total assets | 83.6787% | 4,514 |
| Equity capital to assets | 10.2787% | 3,408 |
| Core capital (leverage) ratio | 8.3814% | 5,575 |
| Tier 1 risk-based capital ratio | 13.1666% | 4,474 |
| Total risk-based capital ratio | 14.4269% | 4,422 |
| Memoranda: | ||
| Average total assets | $3,436,901,400 | 224 |
| Average earning assets | $2,905,148,000 | 230 |
| Average equity | $363,267,400 | 224 |
| Average total loans | $2,570,328,800 | 202 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 3,150 |
| Cost of funding earning assets | 1.0752% | 5,573 |
| Net interest margin | 4.2687% | 1,961 |
| Noninterest income to average assets | 5.1750% | 132 |
| Noninterest expense to average assets | 3.6136% | 1,760 |
| Loan and lease loss provision to assets | 1.7032% | 747 |
| Net operating income to assets | 2.2224% | 229 |
| Return on assets (ROA) | 2.0616% | 323 |
| Pretax return on assets | 3.2203% | 100 |
| Return on Equity (ROE) | 19.3639% | 354 |
| Retained earnings to average equity (ytd only) | 16.9649% | 137 |
| Net charge-offs to loans | 1.8025% | 1,075 |
| Credit loss provision to net charge-offs | 126.0088% | 3,243 |
| Earnings coverage of net charge-offs (x) | 3.8285% | 3,287 |
| Efficiency ratio | 40.5852% | 7,568 |
| Assets per employee ($millions) | 3.6287% | 4,669 |
| Cash dividends to net income (ytd only)* | 12.3891% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 3,037 |
| Loan loss allowance to noncurrent loans | 20.4850% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 8.0253% | 626 |
| Noncurrent loans to loans | 8.4691% | 588 |
| Net loans and leases to total assets | 72.8627% | 2,044 |
| Net loans and leases to deposits | 87.0639% | 2,142 |
| Net loans and leases to core deposits | 94.0842% | 2,516 |
| Total domestic deposits to total assets | 83.6888% | 4,277 |
| Equity capital to assets | 10.3955% | 3,646 |
| Core capital (leverage) ratio | 8.4070% | 5,686 |
| Tier 1 risk-based capital ratio | 13.1250% | 4,480 |
| Total risk-based capital ratio | 15.0308% | 3,952 |
| Memoranda: | ||
| Average total assets | $3,397,819,250 | 224 |
| Average earning assets | $2,876,223,500 | 230 |
| Average equity | $361,750,000 | 221 |
| Average total loans | $2,547,925,500 | 203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 3,087 |
| Cost of funding earning assets | 1.0907% | 5,725 |
| Net interest margin | 4.2826% | 1,844 |
| Noninterest income to average assets | 7.1997% | 101 |
| Noninterest expense to average assets | 3.7372% | 1,486 |
| Loan and lease loss provision to assets | 2.0011% | 615 |
| Net operating income to assets | 3.2661% | 63 |
| Return on assets (ROA) | 3.0303% | 84 |
| Pretax return on assets | 4.7463% | 55 |
| Return on Equity (ROE) | 28.2217% | 72 |
| Retained earnings to average equity (ytd only) | 25.7935% | 41 |
| Net charge-offs to loans | 1.9649% | 934 |
| Credit loss provision to net charge-offs | 135.2676% | 2,965 |
| Earnings coverage of net charge-offs (x) | 4.8100% | 2,834 |
| Efficiency ratio | 34.0126% | 7,719 |
| Assets per employee ($millions) | 3.7401% | 4,370 |
| Cash dividends to net income (ytd only)* | 8.6040% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,956 |
| Loan loss allowance to noncurrent loans | 20.5961% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 7.3467% | 697 |
| Noncurrent loans to loans | 8.4151% | 597 |
| Net loans and leases to total assets | 72.3735% | 2,308 |
| Net loans and leases to deposits | 86.8479% | 2,369 |
| Net loans and leases to core deposits | 94.1968% | 2,684 |
| Total domestic deposits to total assets | 83.3336% | 4,425 |
| Equity capital to assets | 10.3623% | 3,573 |
| Core capital (leverage) ratio | 8.3458% | 5,677 |
| Tier 1 risk-based capital ratio | 13.3547% | 4,165 |
| Total risk-based capital ratio | 15.2724% | 3,683 |
| Memoranda: | ||
| Average total assets | $3,326,900,330 | 227 |
| Average earning assets | $2,838,070,330 | 233 |
| Average equity | $357,221,330 | 224 |
| Average total loans | $2,504,830,330 | 207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 2,975 |
| Cost of funding earning assets | 1.1721% | 5,545 |
| Net interest margin | 4.2410% | 1,890 |
| Noninterest income to average assets | 13.5878% | 54 |
| Noninterest expense to average assets | 4.2572% | 757 |
| Loan and lease loss provision to assets | 2.6120% | 396 |
| Net operating income to assets | 6.6123% | 26 |
| Return on assets (ROA) | 6.1701% | 34 |
| Pretax return on assets | 9.6902% | 27 |
| Return on Equity (ROE) | 56.3454% | 21 |
| Retained earnings to average equity (ytd only) | 53.8600% | 16 |
| Net charge-offs to loans | 2.7821% | 573 |
| Credit loss provision to net charge-offs | 123.1727% | 2,842 |
| Earnings coverage of net charge-offs (x) | 6.1272% | 2,277 |
| Efficiency ratio | 24.4431% | 7,885 |
| Assets per employee ($millions) | 3.9522% | 3,990 |
| Cash dividends to net income (ytd only)* | 4.4109% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,558 |
| Loan loss allowance to noncurrent loans | 19.9035% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 6.8069% | 806 |
| Noncurrent loans to loans | 7.9084% | 686 |
| Net loans and leases to total assets | 70.6555% | 2,769 |
| Net loans and leases to deposits | 86.3592% | 2,520 |
| Net loans and leases to core deposits | 93.5695% | 2,893 |
| Total domestic deposits to total assets | 81.8159% | 5,150 |
| Equity capital to assets | 10.2176% | 3,582 |
| Core capital (leverage) ratio | 8.8480% | 4,793 |
| Tier 1 risk-based capital ratio | 13.3538% | 4,088 |
| Total risk-based capital ratio | 15.2675% | 3,608 |
| Memoranda: | ||
| Average total assets | $3,181,990,000 | 242 |
| Average earning assets | $2,747,815,500 | 247 |
| Average equity | $348,444,000 | 229 |
| Average total loans | $2,425,387,500 | 214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 3,410 |
| Cost of funding earning assets | 1.4004% | 5,929 |
| Net interest margin | 4.2361% | 1,952 |
| Noninterest income to average assets | 0.9701% | 1,666 |
| Noninterest expense to average assets | 2.8434% | 4,774 |
| Loan and lease loss provision to assets | 0.9625% | 2,350 |
| Net operating income to assets | 0.6631% | 3,086 |
| Return on assets (ROA) | 0.5482% | 3,623 |
| Pretax return on assets | 0.8278% | 3,161 |
| Return on Equity (ROE) | 5.0541% | 3,645 |
| Retained earnings to average equity (ytd only) | 2.3382% | 3,482 |
| Net charge-offs to loans | 0.9093% | 2,572 |
| Credit loss provision to net charge-offs | 128.7449% | 4,001 |
| Earnings coverage of net charge-offs (x) | 2.6274% | 3,803 |
| Efficiency ratio | 58.8226% | 6,646 |
| Assets per employee ($millions) | 3.8576% | 4,121 |
| Cash dividends to net income (ytd only)* | 53.7364% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 2,934 |
| Loan loss allowance to noncurrent loans | 75.3800% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.9565% | 3,449 |
| Noncurrent loans to loans | 2.2394% | 3,352 |
| Net loans and leases to total assets | 80.8539% | 858 |
| Net loans and leases to deposits | 103.6395% | 667 |
| Net loans and leases to core deposits | 131.5216% | 1,197 |
| Total domestic deposits to total assets | 78.0145% | 6,213 |
| Equity capital to assets | 11.9448% | 2,066 |
| Core capital (leverage) ratio | 9.7880% | 3,337 |
| Tier 1 risk-based capital ratio | 12.3246% | 4,656 |
| Total risk-based capital ratio | 14.2758% | 4,073 |
| Memoranda: | ||
| Average total assets | $2,775,273,000 | 266 |
| Average earning assets | $2,514,121,800 | 267 |
| Average equity | $301,040,800 | 249 |
| Average total loans | $2,281,674,000 | 231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 3,601 |
| Cost of funding earning assets | 1.4975% | 5,831 |
| Net interest margin | 4.1474% | 2,223 |
| Noninterest income to average assets | 0.9403% | 1,814 |
| Noninterest expense to average assets | 2.8233% | 4,796 |
| Loan and lease loss provision to assets | 0.7900% | 2,392 |
| Net operating income to assets | 0.7166% | 3,151 |
| Return on assets (ROA) | 0.6330% | 3,551 |
| Pretax return on assets | 0.9609% | 3,021 |
| Return on Equity (ROE) | 5.9819% | 3,537 |
| Retained earnings to average equity (ytd only) | 3.2703% | 3,484 |
| Net charge-offs to loans | 0.8000% | 2,363 |
| Credit loss provision to net charge-offs | 120.1219% | 4,223 |
| Earnings coverage of net charge-offs (x) | 2.8550% | 3,794 |
| Efficiency ratio | 59.7332% | 6,452 |
| Assets per employee ($millions) | 3.9666% | 3,794 |
| Cash dividends to net income (ytd only)* | 45.3298% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,238 |
| Loan loss allowance to noncurrent loans | 91.7867% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 4,119 |
| Noncurrent loans to loans | 1.6760% | 4,135 |
| Net loans and leases to total assets | 79.1723% | 1,355 |
| Net loans and leases to deposits | 103.1253% | 834 |
| Net loans and leases to core deposits | 133.1374% | 1,259 |
| Total domestic deposits to total assets | 76.7729% | 6,405 |
| Equity capital to assets | 11.6176% | 2,493 |
| Core capital (leverage) ratio | 9.5838% | 3,806 |
| Tier 1 risk-based capital ratio | 12.1669% | 4,824 |
| Total risk-based capital ratio | 14.1064% | 4,228 |
| Memoranda: | ||
| Average total assets | $2,794,011,250 | 277 |
| Average earning assets | $2,533,409,750 | 274 |
| Average equity | $295,663,750 | 263 |
| Average total loans | $2,296,892,250 | 241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6871% | 3,620 |
| Cost of funding earning assets | 1.5985% | 5,751 |
| Net interest margin | 4.0886% | 2,361 |
| Noninterest income to average assets | 1.0127% | 1,552 |
| Noninterest expense to average assets | 2.8305% | 4,827 |
| Loan and lease loss provision to assets | 0.6829% | 2,382 |
| Net operating income to assets | 0.7908% | 2,886 |
| Return on assets (ROA) | 0.7660% | 3,095 |
| Pretax return on assets | 1.1701% | 2,395 |
| Return on Equity (ROE) | 7.4800% | 2,991 |
| Retained earnings to average equity (ytd only) | 4.7935% | 2,644 |
| Net charge-offs to loans | 0.7462% | 2,189 |
| Credit loss provision to net charge-offs | 110.5281% | 4,188 |
| Earnings coverage of net charge-offs (x) | 3.0609% | 3,591 |
| Efficiency ratio | 59.6244% | 6,605 |
| Assets per employee ($millions) | 3.9942% | 3,688 |
| Cash dividends to net income (ytd only)* | 35.9154% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 3,653 |
| Loan loss allowance to noncurrent loans | 108.2303% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.3946% | 4,172 |
| Noncurrent loans to loans | 1.3073% | 4,592 |
| Net loans and leases to total assets | 80.5157% | 1,224 |
| Net loans and leases to deposits | 102.1661% | 1,064 |
| Net loans and leases to core deposits | 134.4710% | 1,292 |
| Total domestic deposits to total assets | 78.8086% | 5,859 |
| Equity capital to assets | 10.3992% | 3,517 |
| Core capital (leverage) ratio | 8.5090% | 5,433 |
| Tier 1 risk-based capital ratio | 10.6029% | 6,287 |
| Total risk-based capital ratio | 12.5265% | 5,523 |
| Memoranda: | ||
| Average total assets | $2,801,126,330 | 281 |
| Average earning assets | $2,541,021,670 | 280 |
| Average equity | $286,846,000 | 275 |
| Average total loans | $2,319,363,000 | 247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7323% | 3,631 |
| Cost of funding earning assets | 1.7243% | 5,502 |
| Net interest margin | 4.0080% | 2,612 |
| Noninterest income to average assets | 0.9690% | 1,571 |
| Noninterest expense to average assets | 2.8176% | 4,490 |
| Loan and lease loss provision to assets | 0.7205% | 1,780 |
| Net operating income to assets | 0.7001% | 3,560 |
| Return on assets (ROA) | 0.7005% | 3,747 |
| Pretax return on assets | 1.0700% | 3,100 |
| Return on Equity (ROE) | 6.8941% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.1874% | 3,583 |
| Net charge-offs to loans | 0.7659% | 1,676 |
| Credit loss provision to net charge-offs | 112.8440% | 3,437 |
| Earnings coverage of net charge-offs (x) | 2.8033% | 3,375 |
| Efficiency ratio | 60.8205% | 6,278 |
| Assets per employee ($millions) | 4.0345% | 3,592 |
| Cash dividends to net income (ytd only)* | 39.2617% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,656 |
| Loan loss allowance to noncurrent loans | 150.2225% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 4,503 |
| Noncurrent loans to loans | 0.9136% | 5,176 |
| Net loans and leases to total assets | 81.2398% | 1,142 |
| Net loans and leases to deposits | 103.8590% | 1,017 |
| Net loans and leases to core deposits | 135.3264% | 1,343 |
| Total domestic deposits to total assets | 78.2212% | 5,937 |
| Equity capital to assets | 10.0740% | 3,912 |
| Core capital (leverage) ratio | 8.1989% | 6,106 |
| Tier 1 risk-based capital ratio | 10.2159% | 6,698 |
| Total risk-based capital ratio | 12.1255% | 5,924 |
| Memoranda: | ||
| Average total assets | $2,799,718,500 | 284 |
| Average earning assets | $2,541,607,000 | 282 |
| Average equity | $284,475,500 | 278 |
| Average total loans | $2,334,037,000 | 248 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3054% | 3,937 |
| Cost of funding earning assets | 2.3335% | 4,994 |
| Net interest margin | 3.9719% | 3,262 |
| Noninterest income to average assets | 1.0371% | 1,464 |
| Noninterest expense to average assets | 2.8854% | 4,500 |
| Loan and lease loss provision to assets | 0.3955% | 3,319 |
| Net operating income to assets | 0.8844% | 3,068 |
| Return on assets (ROA) | 0.6518% | 3,948 |
| Pretax return on assets | 1.0033% | 3,370 |
| Return on Equity (ROE) | 6.7244% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.0838% | 3,240 |
| Net charge-offs to loans | 0.2607% | 3,673 |
| Credit loss provision to net charge-offs | 185.1521% | 2,676 |
| Earnings coverage of net charge-offs (x) | 8.2244% | 2,919 |
| Efficiency ratio | 61.8058% | 5,990 |
| Assets per employee ($millions) | 3.9930% | 3,532 |
| Cash dividends to net income (ytd only)* | 54.1394% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 3,478 |
| Loan loss allowance to noncurrent loans | 211.1223% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 4,941 |
| Noncurrent loans to loans | 0.6397% | 5,446 |
| Net loans and leases to total assets | 83.2501% | 1,008 |
| Net loans and leases to deposits | 106.7060% | 1,066 |
| Net loans and leases to core deposits | 139.7906% | 1,281 |
| Total domestic deposits to total assets | 78.0182% | 5,707 |
| Equity capital to assets | 10.2500% | 3,759 |
| Core capital (leverage) ratio | 8.3755% | 5,807 |
| Tier 1 risk-based capital ratio | 10.2222% | 6,497 |
| Total risk-based capital ratio | 12.1420% | 5,736 |
| Memoranda: | ||
| Average total assets | $2,724,338,600 | 278 |
| Average earning assets | $2,472,693,200 | 276 |
| Average equity | $264,053,800 | 295 |
| Average total loans | $2,232,367,000 | 251 |