Home > Sterling National Bank > Performance and Condition Ratios
Sterling National Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 2,457 |
| Cost of funding earning assets | 0.1170% | 4,256 |
| Net interest margin | 3.4548% | 1,869 |
| Noninterest income to average assets | 0.4522% | 2,807 |
| Noninterest expense to average assets | 1.5617% | 4,470 |
| Loan and lease loss provision to assets | -0.0174% | 4,207 |
| Net operating income to assets | 1.4987% | 1,019 |
| Return on assets (ROA) | 1.5066% | 1,043 |
| Pretax return on assets | 1.9148% | 705 |
| Return on Equity (ROE) | 8.8872% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.2942% | 1,811 |
| Net charge-offs to loans | 0.2061% | 461 |
| Credit loss provision to net charge-offs | -9.1183% | 3,166 |
| Earnings coverage of net charge-offs (x) | 12.7461% | 2,101 |
| Efficiency ratio | 43.8004% | 4,579 |
| Assets per employee ($millions) | 20.5412% | 96 |
| Cash dividends to net income (ytd only)* | 17.9255% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,348 |
| Loan loss allowance to noncurrent loans | 177.3557% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 1,257 |
| Noncurrent loans to loans | 0.7343% | 1,383 |
| Net loans and leases to total assets | 71.3348% | 898 |
| Net loans and leases to deposits | 91.8398% | 486 |
| Net loans and leases to core deposits | 92.4840% | 851 |
| Total domestic deposits to total assets | 77.6730% | 4,426 |
| Equity capital to assets | 17.6069% | 270 |
| Core capital (leverage) ratio | 12.7537% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6465% | 1,633 |
| Memoranda: | ||
| Average total assets | $29,625,015,000 | 77 |
| Average earning assets | $25,698,379,800 | 79 |
| Average equity | $5,022,161,000 | 56 |
| Average total loans | $21,286,396,400 | 67 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 2,619 |
| Cost of funding earning assets | 0.1236% | 4,319 |
| Net interest margin | 3.4537% | 2,002 |
| Noninterest income to average assets | 0.4204% | 2,979 |
| Noninterest expense to average assets | 1.5425% | 4,545 |
| Loan and lease loss provision to assets | 0.0686% | 1,635 |
| Net operating income to assets | 1.4443% | 1,413 |
| Return on assets (ROA) | 1.4528% | 1,448 |
| Pretax return on assets | 1.8131% | 1,137 |
| Return on Equity (ROE) | 8.6533% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.5100% | 2,617 |
| Net charge-offs to loans | 0.2018% | 415 |
| Credit loss provision to net charge-offs | 49.7126% | 1,861 |
| Earnings coverage of net charge-offs (x) | 12.9240% | 1,939 |
| Efficiency ratio | 43.6960% | 4,600 |
| Assets per employee ($millions) | 20.5055% | 96 |
| Cash dividends to net income (ytd only)* | 24.7686% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,789 |
| Loan loss allowance to noncurrent loans | 150.8447% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 1,083 |
| Noncurrent loans to loans | 0.9656% | 1,187 |
| Net loans and leases to total assets | 70.0335% | 1,071 |
| Net loans and leases to deposits | 86.8891% | 776 |
| Net loans and leases to core deposits | 89.3928% | 1,070 |
| Total domestic deposits to total assets | 80.6010% | 4,149 |
| Equity capital to assets | 17.0257% | 336 |
| Core capital (leverage) ratio | 12.6008% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2628% | 1,877 |
| Memoranda: | ||
| Average total assets | $29,641,586,000 | 77 |
| Average earning assets | $25,688,989,750 | 79 |
| Average equity | $4,976,610,750 | 57 |
| Average total loans | $21,267,025,500 | 67 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 2,547 |
| Cost of funding earning assets | 0.1376% | 4,299 |
| Net interest margin | 3.4888% | 1,883 |
| Noninterest income to average assets | 0.4230% | 2,992 |
| Noninterest expense to average assets | 1.5223% | 4,602 |
| Loan and lease loss provision to assets | 0.1032% | 1,225 |
| Net operating income to assets | 1.4690% | 1,379 |
| Return on assets (ROA) | 1.4725% | 1,430 |
| Pretax return on assets | 1.8249% | 1,176 |
| Return on Equity (ROE) | 8.8124% | 3,164 |
| Retained earnings to average equity (ytd only) | 5.5712% | 2,969 |
| Net charge-offs to loans | 0.2561% | 349 |
| Credit loss provision to net charge-offs | 58.7652% | 1,564 |
| Earnings coverage of net charge-offs (x) | 10.4370% | 1,797 |
| Efficiency ratio | 42.6907% | 4,672 |
| Assets per employee ($millions) | 19.4883% | 100 |
| Cash dividends to net income (ytd only)* | 36.7799% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,532 |
| Loan loss allowance to noncurrent loans | 181.6725% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 1,396 |
| Noncurrent loans to loans | 0.8355% | 1,469 |
| Net loans and leases to total assets | 70.3042% | 1,158 |
| Net loans and leases to deposits | 87.5036% | 812 |
| Net loans and leases to core deposits | 90.1340% | 1,134 |
| Total domestic deposits to total assets | 80.3443% | 4,182 |
| Equity capital to assets | 17.2193% | 313 |
| Core capital (leverage) ratio | 12.0959% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2175% | 1,898 |
| Memoranda: | ||
| Average total assets | $29,542,780,667 | 77 |
| Average earning assets | $25,599,057,333 | 79 |
| Average equity | $4,936,428,667 | 57 |
| Average total loans | $21,263,851,000 | 67 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6217% | 2,576 |
| Cost of funding earning assets | 0.1686% | 4,175 |
| Net interest margin | 3.4531% | 1,954 |
| Noninterest income to average assets | 0.4271% | 2,945 |
| Noninterest expense to average assets | 1.4940% | 4,658 |
| Loan and lease loss provision to assets | 0.1343% | 1,008 |
| Net operating income to assets | 1.4613% | 1,415 |
| Return on assets (ROA) | 1.4691% | 1,460 |
| Pretax return on assets | 1.8026% | 1,286 |
| Return on Equity (ROE) | 8.9250% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.6616% | 3,014 |
| Net charge-offs to loans | 0.2400% | 353 |
| Credit loss provision to net charge-offs | 77.4353% | 1,223 |
| Earnings coverage of net charge-offs (x) | 11.1127% | 1,469 |
| Efficiency ratio | 42.1868% | 4,660 |
| Assets per employee ($millions) | 20.4746% | 91 |
| Cash dividends to net income (ytd only)* | 36.5644% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,521 |
| Loan loss allowance to noncurrent loans | 191.7369% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 1,635 |
| Noncurrent loans to loans | 0.7955% | 1,663 |
| Net loans and leases to total assets | 69.9431% | 1,299 |
| Net loans and leases to deposits | 86.7753% | 906 |
| Net loans and leases to core deposits | 93.7402% | 1,000 |
| Total domestic deposits to total assets | 80.6025% | 4,124 |
| Equity capital to assets | 16.5061% | 351 |
| Core capital (leverage) ratio | 11.7621% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4164% | 1,767 |
| Memoranda: | ||
| Average total assets | $29,785,649,500 | 78 |
| Average earning assets | $25,827,529,000 | 80 |
| Average equity | $4,902,926,500 | 58 |
| Average total loans | $21,524,184,000 | 67 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,163 |
| Cost of funding earning assets | 0.5089% | 2,894 |
| Net interest margin | 3.3415% | 2,953 |
| Noninterest income to average assets | 0.3984% | 3,097 |
| Noninterest expense to average assets | 1.5383% | 4,751 |
| Loan and lease loss provision to assets | 0.8309% | 143 |
| Net operating income to assets | 0.8100% | 3,053 |
| Return on assets (ROA) | 0.8510% | 3,033 |
| Pretax return on assets | 0.9735% | 3,134 |
| Return on Equity (ROE) | 5.5389% | 3,732 |
| Retained earnings to average equity (ytd only) | 1.5744% | 4,003 |
| Net charge-offs to loans | 0.5580% | 271 |
| Credit loss provision to net charge-offs | 205.6150% | 2,137 |
| Earnings coverage of net charge-offs (x) | 4.3607% | 2,995 |
| Efficiency ratio | 44.9972% | 4,758 |
| Assets per employee ($millions) | 20.3698% | 88 |
| Cash dividends to net income (ytd only)* | 71.5753% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,611 |
| Loan loss allowance to noncurrent loans | 195.2005% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 1,823 |
| Noncurrent loans to loans | 0.7642% | 1,799 |
| Net loans and leases to total assets | 72.4081% | 1,239 |
| Net loans and leases to deposits | 92.3894% | 755 |
| Net loans and leases to core deposits | 100.3768% | 884 |
| Total domestic deposits to total assets | 78.3727% | 4,278 |
| Equity capital to assets | 16.4151% | 388 |
| Core capital (leverage) ratio | 11.3318% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7296% | 1,957 |
| Memoranda: | ||
| Average total assets | $30,373,381,400 | 71 |
| Average earning assets | $26,335,206,200 | 74 |
| Average equity | $4,666,599,200 | 57 |
| Average total loans | $21,937,009,200 | 62 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 3,312 |
| Cost of funding earning assets | 0.5930% | 2,661 |
| Net interest margin | 3.2907% | 3,224 |
| Noninterest income to average assets | 0.3796% | 3,188 |
| Noninterest expense to average assets | 1.4820% | 4,820 |
| Loan and lease loss provision to assets | 0.9821% | 149 |
| Net operating income to assets | 0.7019% | 3,453 |
| Return on assets (ROA) | 0.7592% | 3,363 |
| Pretax return on assets | 0.8329% | 3,562 |
| Return on Equity (ROE) | 5.0250% | 3,890 |
| Retained earnings to average equity (ytd only) | 0.8339% | 4,302 |
| Net charge-offs to loans | 0.5773% | 255 |
| Credit loss provision to net charge-offs | 235.8282% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.2203% | 2,842 |
| Efficiency ratio | 44.1239% | 4,784 |
| Assets per employee ($millions) | 20.8316% | 80 |
| Cash dividends to net income (ytd only)* | 83.4052% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,500 |
| Loan loss allowance to noncurrent loans | 180.2832% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 1,891 |
| Noncurrent loans to loans | 0.8101% | 1,800 |
| Net loans and leases to total assets | 72.0151% | 1,663 |
| Net loans and leases to deposits | 90.0146% | 1,264 |
| Net loans and leases to core deposits | 97.5759% | 1,340 |
| Total domestic deposits to total assets | 80.0038% | 3,870 |
| Equity capital to assets | 15.2763% | 574 |
| Core capital (leverage) ratio | 10.4755% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8595% | 2,261 |
| Memoranda: | ||
| Average total assets | $30,531,763,500 | 69 |
| Average earning assets | $26,483,336,250 | 73 |
| Average equity | $4,612,788,750 | 57 |
| Average total loans | $21,956,222,000 | 62 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,391 |
| Cost of funding earning assets | 0.7073% | 2,343 |
| Net interest margin | 3.2667% | 3,471 |
| Noninterest income to average assets | 0.3865% | 3,163 |
| Noninterest expense to average assets | 1.4803% | 4,858 |
| Loan and lease loss provision to assets | 1.2767% | 124 |
| Net operating income to assets | 0.4458% | 4,137 |
| Return on assets (ROA) | 0.5325% | 4,007 |
| Pretax return on assets | 0.5564% | 4,143 |
| Return on Equity (ROE) | 3.5374% | 4,232 |
| Retained earnings to average equity (ytd only) | -1.6853% | 4,556 |
| Net charge-offs to loans | 0.2246% | 695 |
| Credit loss provision to net charge-offs | 787.9874% | 925 |
| Earnings coverage of net charge-offs (x) | 10.8516% | 2,127 |
| Efficiency ratio | 44.2205% | 4,804 |
| Assets per employee ($millions) | 19.0242% | 89 |
| Cash dividends to net income (ytd only)* | 147.6414% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 928 |
| Loan loss allowance to noncurrent loans | 140.2463% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 1,408 |
| Noncurrent loans to loans | 1.1666% | 1,344 |
| Net loans and leases to total assets | 71.4325% | 1,810 |
| Net loans and leases to deposits | 92.5031% | 1,095 |
| Net loans and leases to core deposits | 100.8345% | 1,196 |
| Total domestic deposits to total assets | 77.2218% | 4,294 |
| Equity capital to assets | 14.9483% | 627 |
| Core capital (leverage) ratio | 10.0948% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8495% | 2,243 |
| Memoranda: | ||
| Average total assets | $30,529,292,667 | 69 |
| Average earning assets | $26,509,582,667 | 71 |
| Average equity | $4,595,296,000 | 57 |
| Average total loans | $21,835,374,000 | 63 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 3,396 |
| Cost of funding earning assets | 0.8709% | 2,010 |
| Net interest margin | 3.2724% | 3,660 |
| Noninterest income to average assets | 0.4510% | 2,782 |
| Noninterest expense to average assets | 1.4276% | 4,949 |
| Loan and lease loss provision to assets | 1.8187% | 82 |
| Net operating income to assets | 0.1310% | 4,617 |
| Return on assets (ROA) | 0.3058% | 4,353 |
| Pretax return on assets | 0.2209% | 4,546 |
| Return on Equity (ROE) | 2.0246% | 4,441 |
| Retained earnings to average equity (ytd only) | -6.2476% | 4,602 |
| Net charge-offs to loans | 0.1289% | 943 |
| Credit loss provision to net charge-offs | 1,963.7239% | 348 |
| Earnings coverage of net charge-offs (x) | 20.3862% | 1,416 |
| Efficiency ratio | 41.6816% | 4,952 |
| Assets per employee ($millions) | 18.6900% | 76 |
| Cash dividends to net income (ytd only)* | 408.5846% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,330 |
| Loan loss allowance to noncurrent loans | 128.6479% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 1,520 |
| Noncurrent loans to loans | 1.1684% | 1,411 |
| Net loans and leases to total assets | 70.6948% | 2,138 |
| Net loans and leases to deposits | 93.3670% | 1,139 |
| Net loans and leases to core deposits | 103.7218% | 1,209 |
| Total domestic deposits to total assets | 75.7170% | 4,513 |
| Equity capital to assets | 15.0183% | 753 |
| Core capital (leverage) ratio | 9.9912% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6909% | 2,402 |
| Memoranda: | ||
| Average total assets | $30,412,838,500 | 69 |
| Average earning assets | $26,406,976,500 | 70 |
| Average equity | $4,593,723,500 | 56 |
| Average total loans | $21,583,209,000 | 63 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 2,832 |
| Cost of funding earning assets | 1.0469% | 1,526 |
| Net interest margin | 3.4871% | 3,489 |
| Noninterest income to average assets | 0.4678% | 2,916 |
| Noninterest expense to average assets | 1.4691% | 5,016 |
| Loan and lease loss provision to assets | 0.1512% | 1,408 |
| Net operating income to assets | 1.4920% | 1,075 |
| Return on assets (ROA) | 1.4740% | 1,176 |
| Pretax return on assets | 1.8659% | 805 |
| Return on Equity (ROE) | 9.8633% | 2,354 |
| Retained earnings to average equity (ytd only) | -1.1379% | 4,815 |
| Net charge-offs to loans | 0.1709% | 1,179 |
| Credit loss provision to net charge-offs | 129.8131% | 1,969 |
| Earnings coverage of net charge-offs (x) | 17.5126% | 2,103 |
| Efficiency ratio | 40.0696% | 5,064 |
| Assets per employee ($millions) | 18.6495% | 72 |
| Cash dividends to net income (ytd only)* | 111.5365% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4953% | 4,895 |
| Loan loss allowance to noncurrent loans | 59.2975% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 2,016 |
| Noncurrent loans to loans | 0.8353% | 1,841 |
| Net loans and leases to total assets | 69.8218% | 2,427 |
| Net loans and leases to deposits | 93.8439% | 1,171 |
| Net loans and leases to core deposits | 104.9636% | 1,169 |
| Total domestic deposits to total assets | 74.4020% | 4,744 |
| Equity capital to assets | 15.1899% | 748 |
| Core capital (leverage) ratio | 10.1080% | 3,405 |
| Tier 1 risk-based capital ratio | 12.3246% | 4,176 |
| Total risk-based capital ratio | 13.5223% | 4,074 |
| Memoranda: | ||
| Average total assets | $30,412,540,400 | 65 |
| Average earning assets | $26,522,575,400 | 66 |
| Average equity | $4,545,015,200 | 53 |
| Average total loans | $20,724,521,600 | 63 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 2,850 |
| Cost of funding earning assets | 1.0679% | 1,479 |
| Net interest margin | 3.4949% | 3,575 |
| Noninterest income to average assets | 0.4693% | 2,910 |
| Noninterest expense to average assets | 1.4669% | 5,086 |
| Loan and lease loss provision to assets | 0.1554% | 1,208 |
| Net operating income to assets | 1.4984% | 1,185 |
| Return on assets (ROA) | 1.4747% | 1,317 |
| Pretax return on assets | 1.8668% | 943 |
| Return on Equity (ROE) | 9.9087% | 2,471 |
| Retained earnings to average equity (ytd only) | -1.8891% | 4,918 |
| Net charge-offs to loans | 0.1710% | 997 |
| Credit loss provision to net charge-offs | 134.3862% | 1,778 |
| Earnings coverage of net charge-offs (x) | 17.7475% | 2,077 |
| Efficiency ratio | 39.8891% | 5,130 |
| Assets per employee ($millions) | 17.7735% | 81 |
| Cash dividends to net income (ytd only)* | 119.0646% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5027% | 4,968 |
| Loan loss allowance to noncurrent loans | 54.8448% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 1,995 |
| Noncurrent loans to loans | 0.9166% | 1,744 |
| Net loans and leases to total assets | 69.0554% | 2,616 |
| Net loans and leases to deposits | 95.3787% | 1,087 |
| Net loans and leases to core deposits | 103.9303% | 1,329 |
| Total domestic deposits to total assets | 72.4013% | 4,900 |
| Equity capital to assets | 15.1922% | 799 |
| Core capital (leverage) ratio | 10.0812% | 3,551 |
| Tier 1 risk-based capital ratio | 12.7350% | 4,004 |
| Total risk-based capital ratio | 13.9940% | 3,882 |
| Memoranda: | ||
| Average total assets | $30,374,045,250 | 64 |
| Average earning assets | $26,505,140,500 | 66 |
| Average equity | $4,520,513,500 | 54 |
| Average total loans | $20,543,567,750 | 64 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 2,714 |
| Cost of funding earning assets | 1.0630% | 1,439 |
| Net interest margin | 3.5249% | 3,515 |
| Noninterest income to average assets | 0.4046% | 3,248 |
| Noninterest expense to average assets | 1.5254% | 5,108 |
| Loan and lease loss provision to assets | 0.1423% | 1,306 |
| Net operating income to assets | 1.4379% | 1,329 |
| Return on assets (ROA) | 1.3668% | 1,584 |
| Pretax return on assets | 1.7303% | 1,213 |
| Return on Equity (ROE) | 9.2471% | 2,758 |
| Retained earnings to average equity (ytd only) | -4.0651% | 5,017 |
| Net charge-offs to loans | 0.1244% | 1,198 |
| Credit loss provision to net charge-offs | 170.6914% | 1,361 |
| Earnings coverage of net charge-offs (x) | 23.5363% | 1,650 |
| Efficiency ratio | 41.9259% | 5,118 |
| Assets per employee ($millions) | 16.5846% | 85 |
| Cash dividends to net income (ytd only)* | 143.9602% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 5,003 |
| Loan loss allowance to noncurrent loans | 54.3294% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 2,006 |
| Noncurrent loans to loans | 0.9445% | 1,723 |
| Net loans and leases to total assets | 67.2307% | 2,933 |
| Net loans and leases to deposits | 96.3190% | 1,000 |
| Net loans and leases to core deposits | 103.5608% | 1,427 |
| Total domestic deposits to total assets | 69.8000% | 5,051 |
| Equity capital to assets | 15.0022% | 809 |
| Core capital (leverage) ratio | 9.9764% | 3,601 |
| Tier 1 risk-based capital ratio | 12.6706% | 4,031 |
| Total risk-based capital ratio | 13.9366% | 3,919 |
| Memoranda: | ||
| Average total assets | $30,492,242,330 | 63 |
| Average earning assets | $26,672,703,330 | 63 |
| Average equity | $4,507,148,670 | 54 |
| Average total loans | $20,446,493,670 | 62 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 2,502 |
| Cost of funding earning assets | 1.0797% | 1,258 |
| Net interest margin | 3.5283% | 3,507 |
| Noninterest income to average assets | 0.4442% | 2,881 |
| Noninterest expense to average assets | 1.4457% | 5,199 |
| Loan and lease loss provision to assets | 0.1331% | 1,306 |
| Net operating income to assets | 1.5286% | 1,054 |
| Return on assets (ROA) | 1.3926% | 1,433 |
| Pretax return on assets | 1.7854% | 1,009 |
| Return on Equity (ROE) | 9.4914% | 2,591 |
| Retained earnings to average equity (ytd only) | -8.2999% | 5,044 |
| Net charge-offs to loans | 0.1352% | 933 |
| Credit loss provision to net charge-offs | 147.4628% | 1,258 |
| Earnings coverage of net charge-offs (x) | 23.1567% | 1,477 |
| Efficiency ratio | 39.0999% | 5,224 |
| Assets per employee ($millions) | 16.1516% | 87 |
| Cash dividends to net income (ytd only)* | 187.4467% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4909% | 5,089 |
| Loan loss allowance to noncurrent loans | 57.3771% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 2,198 |
| Noncurrent loans to loans | 0.8556% | 1,927 |
| Net loans and leases to total assets | 66.9482% | 2,907 |
| Net loans and leases to deposits | 93.5042% | 1,228 |
| Net loans and leases to core deposits | 100.2471% | 1,599 |
| Total domestic deposits to total assets | 71.5991% | 5,058 |
| Equity capital to assets | 14.9514% | 762 |
| Core capital (leverage) ratio | 9.5751% | 4,048 |
| Tier 1 risk-based capital ratio | 13.1257% | 3,814 |
| Total risk-based capital ratio | 14.4124% | 3,706 |
| Memoranda: | ||
| Average total assets | $30,646,396,500 | 64 |
| Average earning assets | $26,857,449,500 | 64 |
| Average equity | $4,496,593,000 | 52 |
| Average total loans | $20,470,977,000 | 62 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 2,633 |
| Cost of funding earning assets | 0.8539% | 1,290 |
| Net interest margin | 3.5871% | 3,426 |
| Noninterest income to average assets | 0.3741% | 3,590 |
| Noninterest expense to average assets | 1.4401% | 5,249 |
| Loan and lease loss provision to assets | 0.1487% | 1,430 |
| Net operating income to assets | 1.5309% | 1,041 |
| Return on assets (ROA) | 1.5034% | 1,097 |
| Pretax return on assets | 1.9054% | 712 |
| Return on Equity (ROE) | 10.4431% | 2,324 |
| Retained earnings to average equity (ytd only) | 3.9317% | 3,415 |
| Net charge-offs to loans | 0.1383% | 1,373 |
| Credit loss provision to net charge-offs | 162.9472% | 1,701 |
| Earnings coverage of net charge-offs (x) | 22.8934% | 1,879 |
| Efficiency ratio | 38.6422% | 5,299 |
| Assets per employee ($millions) | 16.4298% | 83 |
| Cash dividends to net income (ytd only)* | 62.3509% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4603% | 5,164 |
| Loan loss allowance to noncurrent loans | 55.9983% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,219 |
| Noncurrent loans to loans | 0.8220% | 1,960 |
| Net loans and leases to total assets | 66.0319% | 3,129 |
| Net loans and leases to deposits | 96.9614% | 979 |
| Net loans and leases to core deposits | 104.4314% | 1,378 |
| Total domestic deposits to total assets | 68.1012% | 5,204 |
| Equity capital to assets | 14.4058% | 865 |
| Core capital (leverage) ratio | 9.9423% | 3,660 |
| Tier 1 risk-based capital ratio | 13.5519% | 3,521 |
| Total risk-based capital ratio | 14.8036% | 3,422 |
| Memoranda: | ||
| Average total assets | $30,938,315,200 | 63 |
| Average earning assets | $27,211,695,800 | 62 |
| Average equity | $4,453,871,800 | 50 |
| Average total loans | $20,410,359,600 | 60 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,623 |
| Cost of funding earning assets | 0.8043% | 1,315 |
| Net interest margin | 3.5962% | 3,380 |
| Noninterest income to average assets | 0.3804% | 3,594 |
| Noninterest expense to average assets | 1.4663% | 5,300 |
| Loan and lease loss provision to assets | 0.1535% | 1,281 |
| Net operating income to assets | 1.5173% | 1,155 |
| Return on assets (ROA) | 1.4971% | 1,199 |
| Pretax return on assets | 1.8982% | 822 |
| Return on Equity (ROE) | 10.4012% | 2,437 |
| Retained earnings to average equity (ytd only) | 6.9470% | 2,153 |
| Net charge-offs to loans | 0.1447% | 1,135 |
| Credit loss provision to net charge-offs | 161.0562% | 1,625 |
| Earnings coverage of net charge-offs (x) | 21.7981% | 1,905 |
| Efficiency ratio | 39.2098% | 5,347 |
| Assets per employee ($millions) | 15.9298% | 86 |
| Cash dividends to net income (ytd only)* | 33.2094% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4443% | 5,249 |
| Loan loss allowance to noncurrent loans | 49.3273% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,198 |
| Noncurrent loans to loans | 0.9007% | 1,897 |
| Net loans and leases to total assets | 65.6045% | 3,228 |
| Net loans and leases to deposits | 94.6705% | 1,305 |
| Net loans and leases to core deposits | 100.9279% | 1,705 |
| Total domestic deposits to total assets | 69.2977% | 5,246 |
| Equity capital to assets | 14.4746% | 831 |
| Core capital (leverage) ratio | 10.1019% | 3,517 |
| Tier 1 risk-based capital ratio | 14.2298% | 3,253 |
| Total risk-based capital ratio | 15.4987% | 3,163 |
| Memoranda: | ||
| Average total assets | $30,840,001,000 | 63 |
| Average earning assets | $27,126,076,750 | 62 |
| Average equity | $4,438,945,500 | 50 |
| Average total loans | $20,316,822,250 | 60 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,648 |
| Cost of funding earning assets | 0.7405% | 1,426 |
| Net interest margin | 3.5935% | 3,341 |
| Noninterest income to average assets | 0.4149% | 3,388 |
| Noninterest expense to average assets | 1.5031% | 5,338 |
| Loan and lease loss provision to assets | 0.1693% | 1,087 |
| Net operating income to assets | 1.4783% | 1,205 |
| Return on assets (ROA) | 1.4483% | 1,284 |
| Pretax return on assets | 1.8692% | 839 |
| Return on Equity (ROE) | 10.0811% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.1352% | 2,009 |
| Net charge-offs to loans | 0.1767% | 887 |
| Credit loss provision to net charge-offs | 145.4057% | 1,605 |
| Earnings coverage of net charge-offs (x) | 17.8369% | 1,935 |
| Efficiency ratio | 39.8224% | 5,405 |
| Assets per employee ($millions) | 15.4159% | 89 |
| Cash dividends to net income (ytd only)* | 29.2219% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 5,344 |
| Loan loss allowance to noncurrent loans | 45.0457% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 2,218 |
| Noncurrent loans to loans | 0.9224% | 1,879 |
| Net loans and leases to total assets | 65.6611% | 3,196 |
| Net loans and leases to deposits | 97.2172% | 1,021 |
| Net loans and leases to core deposits | 104.7504% | 1,333 |
| Total domestic deposits to total assets | 67.5406% | 5,350 |
| Equity capital to assets | 14.2100% | 877 |
| Core capital (leverage) ratio | 9.8421% | 3,742 |
| Tier 1 risk-based capital ratio | 13.7119% | 3,503 |
| Total risk-based capital ratio | 14.9435% | 3,419 |
| Memoranda: | ||
| Average total assets | $30,717,821,000 | 62 |
| Average earning assets | $27,053,120,330 | 62 |
| Average equity | $4,412,920,670 | 50 |
| Average total loans | $20,234,344,330 | 59 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 2,859 |
| Cost of funding earning assets | 0.6618% | 1,649 |
| Net interest margin | 3.5457% | 3,362 |
| Noninterest income to average assets | 0.3239% | 3,986 |
| Noninterest expense to average assets | 1.4357% | 5,437 |
| Loan and lease loss provision to assets | 0.1712% | 1,029 |
| Net operating income to assets | 1.4132% | 1,310 |
| Return on assets (ROA) | 1.3568% | 1,472 |
| Pretax return on assets | 1.7678% | 967 |
| Return on Equity (ROE) | 9.3915% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.1127% | 2,229 |
| Net charge-offs to loans | 0.1763% | 830 |
| Credit loss provision to net charge-offs | 147.4759% | 1,243 |
| Earnings coverage of net charge-offs (x) | 17.3185% | 1,589 |
| Efficiency ratio | 39.3495% | 5,474 |
| Assets per employee ($millions) | 15.0841% | 99 |
| Cash dividends to net income (ytd only)* | 24.2645% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4108% | 5,422 |
| Loan loss allowance to noncurrent loans | 45.0941% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 2,294 |
| Noncurrent loans to loans | 0.9110% | 1,995 |
| Net loans and leases to total assets | 65.4451% | 3,119 |
| Net loans and leases to deposits | 95.3143% | 1,093 |
| Net loans and leases to core deposits | 102.5172% | 1,484 |
| Total domestic deposits to total assets | 68.6625% | 5,400 |
| Equity capital to assets | 14.4803% | 777 |
| Core capital (leverage) ratio | 10.0018% | 3,539 |
| Tier 1 risk-based capital ratio | 14.2251% | 3,265 |
| Total risk-based capital ratio | 15.5055% | 3,169 |
| Memoranda: | ||
| Average total assets | $30,375,590,000 | 63 |
| Average earning assets | $26,747,420,500 | 63 |
| Average equity | $4,388,249,000 | 51 |
| Average total loans | $19,998,957,000 | 60 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,779 |
| Cost of funding earning assets | 0.6128% | 1,521 |
| Net interest margin | 3.5632% | 3,293 |
| Noninterest income to average assets | 0.3458% | 3,990 |
| Noninterest expense to average assets | 2.3161% | 4,283 |
| Loan and lease loss provision to assets | 0.1425% | 1,595 |
| Net operating income to assets | 0.5554% | 4,211 |
| Return on assets (ROA) | 0.5542% | 4,242 |
| Pretax return on assets | 1.0758% | 3,278 |
| Return on Equity (ROE) | 4.2251% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.9917% | 3,506 |
| Net charge-offs to loans | 0.0975% | 2,105 |
| Credit loss provision to net charge-offs | 221.9377% | 1,239 |
| Earnings coverage of net charge-offs (x) | 19.0095% | 2,043 |
| Efficiency ratio | 63.4800% | 3,684 |
| Assets per employee ($millions) | 14.6154% | 103 |
| Cash dividends to net income (ytd only)* | 29.1908% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3893% | 5,498 |
| Loan loss allowance to noncurrent loans | 41.6141% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 2,209 |
| Noncurrent loans to loans | 0.9354% | 1,907 |
| Net loans and leases to total assets | 65.7062% | 3,139 |
| Net loans and leases to deposits | 96.0385% | 1,084 |
| Net loans and leases to core deposits | 102.5942% | 1,517 |
| Total domestic deposits to total assets | 68.4165% | 5,456 |
| Equity capital to assets | 14.4129% | 803 |
| Core capital (leverage) ratio | 10.0975% | 3,326 |
| Tier 1 risk-based capital ratio | 13.9459% | 3,391 |
| Total risk-based capital ratio | 15.2108% | 3,290 |
| Memoranda: | ||
| Average total assets | $18,251,142,400 | 88 |
| Average earning assets | $16,341,956,400 | 88 |
| Average equity | $2,394,166,600 | 81 |
| Average total loans | $12,015,145,800 | 85 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,567 |
| Cost of funding earning assets | 0.5861% | 1,631 |
| Net interest margin | 3.3520% | 4,007 |
| Noninterest income to average assets | 0.3444% | 4,078 |
| Noninterest expense to average assets | 1.5309% | 5,498 |
| Loan and lease loss provision to assets | 0.1226% | 1,768 |
| Net operating income to assets | 1.1585% | 1,849 |
| Return on assets (ROA) | 1.1568% | 1,897 |
| Pretax return on assets | 1.7138% | 1,089 |
| Return on Equity (ROE) | 9.2748% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.1689% | 1,601 |
| Net charge-offs to loans | 0.0731% | 2,087 |
| Credit loss provision to net charge-offs | 254.8234% | 1,117 |
| Earnings coverage of net charge-offs (x) | 38.2270% | 1,343 |
| Efficiency ratio | 43.7213% | 5,490 |
| Assets per employee ($millions) | 16.8842% | 68 |
| Cash dividends to net income (ytd only)* | 22.7051% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 5,161 |
| Loan loss allowance to noncurrent loans | 103.8530% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 3,118 |
| Noncurrent loans to loans | 0.6619% | 2,717 |
| Net loans and leases to total assets | 62.2207% | 3,629 |
| Net loans and leases to deposits | 93.7365% | 1,328 |
| Net loans and leases to core deposits | 101.9669% | 1,550 |
| Total domestic deposits to total assets | 66.3783% | 5,579 |
| Equity capital to assets | 11.6937% | 2,194 |
| Core capital (leverage) ratio | 8.5427% | 5,216 |
| Tier 1 risk-based capital ratio | 10.4156% | 5,482 |
| Total risk-based capital ratio | 12.4175% | 5,048 |
| Memoranda: | ||
| Average total assets | $15,228,529,750 | 94 |
| Average earning assets | $13,744,119,000 | 93 |
| Average equity | $1,899,431,250 | 92 |
| Average total loans | $10,015,375,000 | 98 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 3,504 |
| Cost of funding earning assets | 0.5406% | 1,838 |
| Net interest margin | 3.3745% | 3,860 |
| Noninterest income to average assets | 0.3488% | 4,058 |
| Noninterest expense to average assets | 1.5582% | 5,527 |
| Loan and lease loss provision to assets | 0.1223% | 1,696 |
| Net operating income to assets | 1.1583% | 1,748 |
| Return on assets (ROA) | 1.1560% | 1,803 |
| Pretax return on assets | 1.7125% | 1,027 |
| Return on Equity (ROE) | 9.0534% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.4574% | 1,368 |
| Net charge-offs to loans | 0.0501% | 2,212 |
| Credit loss provision to net charge-offs | 364.2250% | 845 |
| Earnings coverage of net charge-offs (x) | 54.7588% | 1,010 |
| Efficiency ratio | 44.1107% | 5,523 |
| Assets per employee ($millions) | 15.3908% | 81 |
| Cash dividends to net income (ytd only)* | 17.6286% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 5,243 |
| Loan loss allowance to noncurrent loans | 98.3182% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,996 |
| Noncurrent loans to loans | 0.6973% | 2,661 |
| Net loans and leases to total assets | 66.2263% | 3,068 |
| Net loans and leases to deposits | 96.1639% | 1,062 |
| Net loans and leases to core deposits | 104.7851% | 1,305 |
| Total domestic deposits to total assets | 68.8682% | 5,575 |
| Equity capital to assets | 12.5375% | 1,603 |
| Core capital (leverage) ratio | 8.8867% | 4,858 |
| Tier 1 risk-based capital ratio | 10.6447% | 5,402 |
| Total risk-based capital ratio | 12.7279% | 4,866 |
| Memoranda: | ||
| Average total assets | $14,721,677,000 | 97 |
| Average earning assets | $13,295,208,670 | 94 |
| Average equity | $1,879,714,670 | 94 |
| Average total loans | $9,855,988,330 | 99 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 3,496 |
| Cost of funding earning assets | 0.4939% | 2,142 |
| Net interest margin | 3.3787% | 3,720 |
| Noninterest income to average assets | 0.3228% | 4,239 |
| Noninterest expense to average assets | 1.5855% | 5,569 |
| Loan and lease loss provision to assets | 0.1249% | 1,538 |
| Net operating income to assets | 1.1231% | 1,783 |
| Return on assets (ROA) | 1.1227% | 1,821 |
| Pretax return on assets | 1.6632% | 1,083 |
| Return on Equity (ROE) | 8.7090% | 2,561 |
| Retained earnings to average equity (ytd only) | 5.4792% | 2,613 |
| Net charge-offs to loans | 0.0489% | 1,874 |
| Credit loss provision to net charge-offs | 380.3888% | 671 |
| Earnings coverage of net charge-offs (x) | 54.4725% | 851 |
| Efficiency ratio | 45.1542% | 5,560 |
| Assets per employee ($millions) | 14.9742% | 87 |
| Cash dividends to net income (ytd only)* | 37.0865% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 5,337 |
| Loan loss allowance to noncurrent loans | 91.7928% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,974 |
| Noncurrent loans to loans | 0.7467% | 2,625 |
| Net loans and leases to total assets | 66.2326% | 2,939 |
| Net loans and leases to deposits | 93.9846% | 1,107 |
| Net loans and leases to core deposits | 100.6177% | 1,465 |
| Total domestic deposits to total assets | 70.4717% | 5,615 |
| Equity capital to assets | 12.7816% | 1,363 |
| Core capital (leverage) ratio | 8.9876% | 4,751 |
| Tier 1 risk-based capital ratio | 10.7889% | 5,412 |
| Total risk-based capital ratio | 12.9516% | 4,810 |
| Memoranda: | ||
| Average total assets | $14,410,216,500 | 97 |
| Average earning assets | $13,014,387,000 | 97 |
| Average equity | $1,857,656,000 | 92 |
| Average total loans | $9,667,824,000 | 100 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 3,453 |
| Cost of funding earning assets | 0.4420% | 2,600 |
| Net interest margin | 3.4885% | 3,481 |
| Noninterest income to average assets | 0.4658% | 3,445 |
| Noninterest expense to average assets | 1.8291% | 5,448 |
| Loan and lease loss provision to assets | 0.1526% | 1,642 |
| Net operating income to assets | 1.0857% | 1,952 |
| Return on assets (ROA) | 1.1241% | 1,886 |
| Pretax return on assets | 1.6662% | 1,093 |
| Return on Equity (ROE) | 8.3413% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.9449% | 2,382 |
| Net charge-offs to loans | 0.0747% | 2,631 |
| Credit loss provision to net charge-offs | 306.6074% | 965 |
| Earnings coverage of net charge-offs (x) | 35.3986% | 1,289 |
| Efficiency ratio | 48.3813% | 5,560 |
| Assets per employee ($millions) | 14.6141% | 89 |
| Cash dividends to net income (ytd only)* | 40.7173% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6649% | 5,421 |
| Loan loss allowance to noncurrent loans | 80.6843% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 2,774 |
| Noncurrent loans to loans | 0.8240% | 2,464 |
| Net loans and leases to total assets | 67.0549% | 2,921 |
| Net loans and leases to deposits | 93.7962% | 1,217 |
| Net loans and leases to core deposits | 100.3313% | 1,591 |
| Total domestic deposits to total assets | 71.4900% | 5,594 |
| Equity capital to assets | 13.0045% | 1,256 |
| Core capital (leverage) ratio | 9.0795% | 4,649 |
| Tier 1 risk-based capital ratio | 10.8707% | 5,405 |
| Total risk-based capital ratio | 13.0574% | 4,756 |
| Memoranda: | ||
| Average total assets | $13,108,908,600 | 100 |
| Average earning assets | $11,742,206,400 | 100 |
| Average equity | $1,766,633,400 | 92 |
| Average total loans | $8,735,593,800 | 100 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 3,488 |
| Cost of funding earning assets | 0.4319% | 2,719 |
| Net interest margin | 3.4991% | 3,469 |
| Noninterest income to average assets | 0.4909% | 3,317 |
| Noninterest expense to average assets | 1.9180% | 5,349 |
| Loan and lease loss provision to assets | 0.1505% | 1,550 |
| Net operating income to assets | 1.0459% | 2,216 |
| Return on assets (ROA) | 1.0989% | 2,103 |
| Pretax return on assets | 1.6294% | 1,302 |
| Return on Equity (ROE) | 8.0763% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.6432% | 3,062 |
| Net charge-offs to loans | 0.0819% | 2,149 |
| Credit loss provision to net charge-offs | 276.7176% | 1,109 |
| Earnings coverage of net charge-offs (x) | 31.2622% | 1,447 |
| Efficiency ratio | 50.3588% | 5,478 |
| Assets per employee ($millions) | 13.6498% | 108 |
| Cash dividends to net income (ytd only)* | 42.5081% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 5,544 |
| Loan loss allowance to noncurrent loans | 73.2789% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 2,767 |
| Noncurrent loans to loans | 0.8764% | 2,504 |
| Net loans and leases to total assets | 67.6727% | 2,841 |
| Net loans and leases to deposits | 89.8777% | 1,773 |
| Net loans and leases to core deposits | 91.7364% | 2,415 |
| Total domestic deposits to total assets | 75.2942% | 5,311 |
| Equity capital to assets | 13.1538% | 1,414 |
| Core capital (leverage) ratio | 8.7157% | 5,144 |
| Tier 1 risk-based capital ratio | 10.3970% | 5,658 |
| Total risk-based capital ratio | 12.6263% | 5,070 |
| Memoranda: | ||
| Average total assets | $12,842,211,250 | 102 |
| Average earning assets | $11,479,608,250 | 101 |
| Average equity | $1,747,422,750 | 93 |
| Average total loans | $8,527,212,000 | 100 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,582 |
| Cost of funding earning assets | 0.4174% | 2,861 |
| Net interest margin | 3.4906% | 3,520 |
| Noninterest income to average assets | 0.5090% | 3,131 |
| Noninterest expense to average assets | 1.9821% | 5,307 |
| Loan and lease loss provision to assets | 0.1429% | 1,593 |
| Net operating income to assets | 1.0016% | 2,394 |
| Return on assets (ROA) | 1.0462% | 2,323 |
| Pretax return on assets | 1.5677% | 1,467 |
| Return on Equity (ROE) | 7.5980% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.1393% | 3,270 |
| Net charge-offs to loans | 0.0792% | 2,062 |
| Credit loss provision to net charge-offs | 274.3902% | 1,031 |
| Earnings coverage of net charge-offs (x) | 31.5674% | 1,359 |
| Efficiency ratio | 51.9994% | 5,443 |
| Assets per employee ($millions) | 12.2500% | 150 |
| Cash dividends to net income (ytd only)* | 45.5213% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 5,623 |
| Loan loss allowance to noncurrent loans | 70.2139% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 2,769 |
| Noncurrent loans to loans | 0.9197% | 2,437 |
| Net loans and leases to total assets | 65.8865% | 3,099 |
| Net loans and leases to deposits | 87.3746% | 2,085 |
| Net loans and leases to core deposits | 90.6149% | 2,476 |
| Total domestic deposits to total assets | 75.4069% | 5,365 |
| Equity capital to assets | 13.5256% | 1,228 |
| Core capital (leverage) ratio | 8.8376% | 5,013 |
| Tier 1 risk-based capital ratio | 10.7003% | 5,578 |
| Total risk-based capital ratio | 12.3655% | 5,274 |
| Memoranda: | ||
| Average total assets | $12,595,753,330 | 102 |
| Average earning assets | $11,248,259,670 | 102 |
| Average equity | $1,734,397,330 | 92 |
| Average total loans | $8,286,137,670 | 102 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,775 |
| Cost of funding earning assets | 0.4001% | 3,063 |
| Net interest margin | 3.4482% | 3,674 |
| Noninterest income to average assets | 0.5061% | 3,074 |
| Noninterest expense to average assets | 2.1714% | 4,975 |
| Loan and lease loss provision to assets | 0.1293% | 1,638 |
| Net operating income to assets | 0.8423% | 3,021 |
| Return on assets (ROA) | 0.8363% | 3,185 |
| Pretax return on assets | 1.2672% | 2,438 |
| Return on Equity (ROE) | 6.0171% | 3,976 |
| Retained earnings to average equity (ytd only) | 2.5287% | 4,241 |
| Net charge-offs to loans | 0.0558% | 1,959 |
| Credit loss provision to net charge-offs | 353.6693% | 768 |
| Earnings coverage of net charge-offs (x) | 38.4377% | 1,030 |
| Efficiency ratio | 58.0401% | 4,993 |
| Assets per employee ($millions) | 11.9014% | 159 |
| Cash dividends to net income (ytd only)* | 57.9747% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6377% | 5,691 |
| Loan loss allowance to noncurrent loans | 62.0497% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 2,751 |
| Noncurrent loans to loans | 1.0277% | 2,327 |
| Net loans and leases to total assets | 64.3851% | 3,194 |
| Net loans and leases to deposits | 88.1152% | 1,814 |
| Net loans and leases to core deposits | 91.0173% | 2,281 |
| Total domestic deposits to total assets | 73.0692% | 5,699 |
| Equity capital to assets | 13.5060% | 1,178 |
| Core capital (leverage) ratio | 9.1601% | 4,642 |
| Tier 1 risk-based capital ratio | 10.8932% | 5,554 |
| Total risk-based capital ratio | 12.5997% | 5,216 |
| Memoranda: | ||
| Average total assets | $12,370,530,000 | 104 |
| Average earning assets | $11,017,253,000 | 103 |
| Average equity | $1,719,309,000 | 93 |
| Average total loans | $8,103,434,500 | 102 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 3,613 |
| Cost of funding earning assets | 0.3501% | 3,700 |
| Net interest margin | 3.5765% | 3,220 |
| Noninterest income to average assets | 0.5875% | 2,786 |
| Noninterest expense to average assets | 2.5397% | 4,105 |
| Loan and lease loss provision to assets | 0.1567% | 1,493 |
| Net operating income to assets | 0.7130% | 3,749 |
| Return on assets (ROA) | 0.7458% | 3,689 |
| Pretax return on assets | 1.1049% | 3,028 |
| Return on Equity (ROE) | 5.1756% | 4,412 |
| Retained earnings to average equity (ytd only) | 2.2242% | 4,457 |
| Net charge-offs to loans | 0.1214% | 2,167 |
| Credit loss provision to net charge-offs | 198.0073% | 1,417 |
| Earnings coverage of net charge-offs (x) | 15.3332% | 2,209 |
| Efficiency ratio | 65.1143% | 4,059 |
| Assets per employee ($millions) | 10.9379% | 205 |
| Cash dividends to net income (ytd only)* | 57.0253% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,746 |
| Loan loss allowance to noncurrent loans | 75.5071% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 3,007 |
| Noncurrent loans to loans | 0.8413% | 2,684 |
| Net loans and leases to total assets | 65.8472% | 3,002 |
| Net loans and leases to deposits | 91.0311% | 1,504 |
| Net loans and leases to core deposits | 94.3778% | 2,015 |
| Total domestic deposits to total assets | 72.3348% | 5,776 |
| Equity capital to assets | 14.3211% | 827 |
| Core capital (leverage) ratio | 9.6504% | 3,981 |
| Tier 1 risk-based capital ratio | 11.4527% | 5,281 |
| Total risk-based capital ratio | 12.0038% | 5,560 |
| Memoranda: | ||
| Average total assets | $10,019,675,200 | 106 |
| Average earning assets | $8,868,563,400 | 111 |
| Average equity | $1,443,886,800 | 103 |
| Average total loans | $6,529,920,400 | 115 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,016 |
| Cost of funding earning assets | 0.3430% | 3,832 |
| Net interest margin | 3.4799% | 3,628 |
| Noninterest income to average assets | 0.5935% | 2,780 |
| Noninterest expense to average assets | 2.7672% | 3,316 |
| Loan and lease loss provision to assets | 0.1425% | 1,551 |
| Net operating income to assets | 0.5127% | 4,744 |
| Return on assets (ROA) | 0.5598% | 4,649 |
| Pretax return on assets | 0.8293% | 4,246 |
| Return on Equity (ROE) | 3.8774% | 5,076 |
| Retained earnings to average equity (ytd only) | 1.2062% | 5,239 |
| Net charge-offs to loans | 0.1069% | 2,060 |
| Credit loss provision to net charge-offs | 205.5209% | 1,309 |
| Earnings coverage of net charge-offs (x) | 13.0210% | 2,360 |
| Efficiency ratio | 73.0132% | 2,714 |
| Assets per employee ($millions) | 10.1608% | 252 |
| Cash dividends to net income (ytd only)* | 68.8911% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 5,856 |
| Loan loss allowance to noncurrent loans | 70.3555% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 3,187 |
| Noncurrent loans to loans | 0.8913% | 2,748 |
| Net loans and leases to total assets | 65.2470% | 3,123 |
| Net loans and leases to deposits | 85.2778% | 2,241 |
| Net loans and leases to core deposits | 88.3961% | 2,625 |
| Total domestic deposits to total assets | 76.5112% | 5,414 |
| Equity capital to assets | 14.6778% | 815 |
| Core capital (leverage) ratio | 9.7970% | 3,905 |
| Tier 1 risk-based capital ratio | 11.7910% | 5,208 |
| Total risk-based capital ratio | 12.3408% | 5,505 |
| Memoranda: | ||
| Average total assets | $9,546,743,500 | 119 |
| Average earning assets | $8,439,096,750 | 120 |
| Average equity | $1,378,398,250 | 108 |
| Average total loans | $6,189,033,250 | 123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,924 |
| Cost of funding earning assets | 0.3366% | 3,963 |
| Net interest margin | 3.1873% | 4,699 |
| Noninterest income to average assets | 0.5862% | 2,814 |
| Noninterest expense to average assets | 2.8854% | 2,944 |
| Loan and lease loss provision to assets | 0.1172% | 1,894 |
| Net operating income to assets | 0.2757% | 5,515 |
| Return on assets (ROA) | 0.3099% | 5,511 |
| Pretax return on assets | 0.4591% | 5,334 |
| Return on Equity (ROE) | 2.1622% | 5,642 |
| Retained earnings to average equity (ytd only) | -0.6072% | 5,632 |
| Net charge-offs to loans | 0.1139% | 1,866 |
| Credit loss provision to net charge-offs | 159.6561% | 1,467 |
| Earnings coverage of net charge-offs (x) | 7.1658% | 2,701 |
| Efficiency ratio | 82.6239% | 1,419 |
| Assets per employee ($millions) | 9.6424% | 298 |
| Cash dividends to net income (ytd only)* | 128.0811% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 5,967 |
| Loan loss allowance to noncurrent loans | 64.1996% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 3,355 |
| Noncurrent loans to loans | 0.9444% | 2,762 |
| Net loans and leases to total assets | 62.9949% | 3,413 |
| Net loans and leases to deposits | 81.8333% | 2,581 |
| Net loans and leases to core deposits | 84.2836% | 2,954 |
| Total domestic deposits to total assets | 76.9796% | 5,457 |
| Equity capital to assets | 14.4676% | 827 |
| Core capital (leverage) ratio | 13.8199% | 899 |
| Tier 1 risk-based capital ratio | 11.9779% | 5,174 |
| Total risk-based capital ratio | 12.5071% | 5,520 |
| Memoranda: | ||
| Average total assets | $8,874,651,330 | 127 |
| Average earning assets | $7,866,370,670 | 124 |
| Average equity | $1,272,132,670 | 114 |
| Average total loans | $5,721,331,330 | 132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 3,347 |
| Cost of funding earning assets | 0.3772% | 3,568 |
| Net interest margin | 3.5913% | 3,044 |
| Noninterest income to average assets | 0.6840% | 2,236 |
| Noninterest expense to average assets | 2.3438% | 4,758 |
| Loan and lease loss provision to assets | 0.1113% | 1,858 |
| Net operating income to assets | 0.9629% | 2,430 |
| Return on assets (ROA) | 1.0182% | 2,319 |
| Pretax return on assets | 1.5082% | 1,543 |
| Return on Equity (ROE) | 7.1537% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.3863% | 3,950 |
| Net charge-offs to loans | 0.1291% | 1,478 |
| Credit loss provision to net charge-offs | 132.0755% | 1,358 |
| Earnings coverage of net charge-offs (x) | 18.2497% | 1,496 |
| Efficiency ratio | 58.6124% | 5,262 |
| Assets per employee ($millions) | 9.1667% | 343 |
| Cash dividends to net income (ytd only)* | 52.6631% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 5,541 |
| Loan loss allowance to noncurrent loans | 92.3269% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 3,361 |
| Noncurrent loans to loans | 0.9303% | 2,917 |
| Net loans and leases to total assets | 64.2827% | 3,056 |
| Net loans and leases to deposits | 88.6015% | 1,548 |
| Net loans and leases to core deposits | 94.2155% | 1,749 |
| Total domestic deposits to total assets | 72.5526% | 6,009 |
| Equity capital to assets | 14.5919% | 807 |
| Core capital (leverage) ratio | 10.5315% | 2,920 |
| Tier 1 risk-based capital ratio | 12.9191% | 4,651 |
| Total risk-based capital ratio | 13.6751% | 4,872 |
| Memoranda: | ||
| Average total assets | $7,545,801,500 | 139 |
| Average earning assets | $6,719,424,500 | 140 |
| Average equity | $1,073,969,000 | 129 |
| Average total loans | $4,927,442,000 | 148 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,998 |
| Cost of funding earning assets | 0.3698% | 4,041 |
| Net interest margin | 3.8154% | 2,569 |
| Noninterest income to average assets | 0.7239% | 2,196 |
| Noninterest expense to average assets | 2.5085% | 4,521 |
| Loan and lease loss provision to assets | 0.2695% | 811 |
| Net operating income to assets | 0.9203% | 2,776 |
| Return on assets (ROA) | 0.9332% | 2,799 |
| Pretax return on assets | 1.3372% | 2,117 |
| Return on Equity (ROE) | 6.5990% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.6056% | 3,650 |
| Net charge-offs to loans | 0.1621% | 2,409 |
| Credit loss provision to net charge-offs | 260.2889% | 987 |
| Earnings coverage of net charge-offs (x) | 15.3400% | 2,088 |
| Efficiency ratio | 58.2007% | 5,436 |
| Assets per employee ($millions) | 8.9163% | 352 |
| Cash dividends to net income (ytd only)* | 45.3616% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,559 |
| Loan loss allowance to noncurrent loans | 90.8494% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 3,445 |
| Noncurrent loans to loans | 0.9593% | 2,928 |
| Net loans and leases to total assets | 65.2072% | 3,020 |
| Net loans and leases to deposits | 92.0354% | 1,287 |
| Net loans and leases to core deposits | 98.4886% | 1,514 |
| Total domestic deposits to total assets | 70.8502% | 6,153 |
| Equity capital to assets | 13.8584% | 1,010 |
| Core capital (leverage) ratio | 9.3855% | 4,405 |
| Tier 1 risk-based capital ratio | 12.0044% | 5,365 |
| Total risk-based capital ratio | 12.7928% | 5,547 |
| Memoranda: | ||
| Average total assets | $7,087,596,000 | 145 |
| Average earning assets | $6,265,429,600 | 142 |
| Average equity | $1,002,326,200 | 135 |
| Average total loans | $4,527,338,600 | 155 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 3,034 |
| Cost of funding earning assets | 0.3622% | 4,217 |
| Net interest margin | 3.8262% | 2,522 |
| Noninterest income to average assets | 0.7173% | 2,246 |
| Noninterest expense to average assets | 2.5371% | 4,406 |
| Loan and lease loss provision to assets | 0.3062% | 632 |
| Net operating income to assets | 0.8844% | 2,992 |
| Return on assets (ROA) | 0.9027% | 2,994 |
| Pretax return on assets | 1.2723% | 2,489 |
| Return on Equity (ROE) | 6.3496% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.3396% | 4,236 |
| Net charge-offs to loans | 0.1830% | 1,995 |
| Credit loss provision to net charge-offs | 263.9344% | 1,008 |
| Earnings coverage of net charge-offs (x) | 13.3859% | 2,232 |
| Efficiency ratio | 58.7550% | 5,342 |
| Assets per employee ($millions) | 8.7457% | 378 |
| Cash dividends to net income (ytd only)* | 47.4048% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 5,746 |
| Loan loss allowance to noncurrent loans | 79.6892% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 3,417 |
| Noncurrent loans to loans | 1.0666% | 2,941 |
| Net loans and leases to total assets | 64.7986% | 3,059 |
| Net loans and leases to deposits | 88.9391% | 1,563 |
| Net loans and leases to core deposits | 92.3164% | 2,008 |
| Total domestic deposits to total assets | 72.8572% | 6,104 |
| Equity capital to assets | 13.8411% | 1,054 |
| Core capital (leverage) ratio | 9.3418% | 4,582 |
| Tier 1 risk-based capital ratio | 11.9433% | 5,526 |
| Total risk-based capital ratio | 12.7128% | 5,741 |
| Memoranda: | ||
| Average total assets | $7,011,591,500 | 144 |
| Average earning assets | $6,180,108,750 | 144 |
| Average equity | $996,817,500 | 136 |
| Average total loans | $4,443,613,000 | 153 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,024 |
| Cost of funding earning assets | 0.3549% | 4,380 |
| Net interest margin | 3.8267% | 2,457 |
| Noninterest income to average assets | 0.7389% | 2,097 |
| Noninterest expense to average assets | 2.6318% | 4,126 |
| Loan and lease loss provision to assets | 0.3111% | 623 |
| Net operating income to assets | 0.8181% | 3,244 |
| Return on assets (ROA) | 0.8452% | 3,201 |
| Pretax return on assets | 1.1985% | 2,672 |
| Return on Equity (ROE) | 5.8905% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.8648% | 4,378 |
| Net charge-offs to loans | 0.2314% | 1,651 |
| Credit loss provision to net charge-offs | 214.4852% | 1,104 |
| Earnings coverage of net charge-offs (x) | 10.1449% | 2,277 |
| Efficiency ratio | 60.8244% | 5,175 |
| Assets per employee ($millions) | 8.3324% | 436 |
| Cash dividends to net income (ytd only)* | 51.3660% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,991 |
| Loan loss allowance to noncurrent loans | 63.9987% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 3,398 |
| Noncurrent loans to loans | 1.2404% | 2,746 |
| Net loans and leases to total assets | 62.9516% | 3,245 |
| Net loans and leases to deposits | 88.6835% | 1,510 |
| Net loans and leases to core deposits | 96.0728% | 1,594 |
| Total domestic deposits to total assets | 70.9846% | 6,312 |
| Equity capital to assets | 13.9290% | 998 |
| Core capital (leverage) ratio | 9.4187% | 4,444 |
| Tier 1 risk-based capital ratio | 12.1659% | 5,441 |
| Total risk-based capital ratio | 12.8816% | 5,677 |
| Memoranda: | ||
| Average total assets | $6,911,661,000 | 144 |
| Average earning assets | $6,076,333,000 | 144 |
| Average equity | $991,765,670 | 135 |
| Average total loans | $4,332,056,000 | 155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 3,160 |
| Cost of funding earning assets | 0.3591% | 4,444 |
| Net interest margin | 3.7720% | 2,590 |
| Noninterest income to average assets | 0.7417% | 1,984 |
| Noninterest expense to average assets | 2.7014% | 3,929 |
| Loan and lease loss provision to assets | 0.2840% | 708 |
| Net operating income to assets | 0.7503% | 3,415 |
| Return on assets (ROA) | 0.7528% | 3,487 |
| Pretax return on assets | 1.0721% | 3,023 |
| Return on Equity (ROE) | 5.1654% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.1654% | 3,013 |
| Net charge-offs to loans | 0.3229% | 1,098 |
| Credit loss provision to net charge-offs | 141.3011% | 1,309 |
| Earnings coverage of net charge-offs (x) | 6.7289% | 2,196 |
| Efficiency ratio | 63.2019% | 4,975 |
| Assets per employee ($millions) | 7.4822% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,198 |
| Loan loss allowance to noncurrent loans | 53.1193% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 3,242 |
| Noncurrent loans to loans | 1.4129% | 2,666 |
| Net loans and leases to total assets | 61.4367% | 3,324 |
| Net loans and leases to deposits | 80.6818% | 2,206 |
| Net loans and leases to core deposits | 83.9983% | 2,514 |
| Total domestic deposits to total assets | 76.1468% | 6,063 |
| Equity capital to assets | 14.4693% | 797 |
| Core capital (leverage) ratio | 9.8291% | 3,821 |
| Tier 1 risk-based capital ratio | 12.6342% | 5,233 |
| Total risk-based capital ratio | 13.2916% | 5,551 |
| Memoranda: | ||
| Average total assets | $6,759,570,000 | 147 |
| Average earning assets | $5,935,921,500 | 150 |
| Average equity | $985,102,000 | 135 |
| Average total loans | $4,208,663,500 | 159 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 4,523 |
| Cost of funding earning assets | 0.4744% | 3,871 |
| Net interest margin | 3.4102% | 4,237 |
| Noninterest income to average assets | 0.5239% | 3,596 |
| Noninterest expense to average assets | 3.1449% | 2,610 |
| Loan and lease loss provision to assets | 0.2775% | 1,257 |
| Net operating income to assets | 0.0885% | 6,073 |
| Return on assets (ROA) | 0.1734% | 5,953 |
| Pretax return on assets | 0.2489% | 5,850 |
| Return on Equity (ROE) | 1.3159% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.3159% | 5,237 |
| Net charge-offs to loans | 0.3645% | 1,858 |
| Credit loss provision to net charge-offs | 125.7473% | 1,888 |
| Earnings coverage of net charge-offs (x) | 1.8354% | 4,436 |
| Efficiency ratio | 86.7960% | 1,337 |
| Assets per employee ($millions) | 6.7840% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7373% | 6,298 |
| Loan loss allowance to noncurrent loans | 72.5902% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 3,854 |
| Noncurrent loans to loans | 1.0158% | 3,478 |
| Net loans and leases to total assets | 62.1758% | 3,331 |
| Net loans and leases to deposits | 82.5714% | 2,118 |
| Net loans and leases to core deposits | 86.8552% | 2,364 |
| Total domestic deposits to total assets | 75.2994% | 6,161 |
| Equity capital to assets | 14.6818% | 744 |
| Core capital (leverage) ratio | 10.5846% | 2,797 |
| Tier 1 risk-based capital ratio | 12.4805% | 5,304 |
| Total risk-based capital ratio | 13.1326% | 5,628 |
| Memoranda: | ||
| Average total assets | $4,397,079,800 | 197 |
| Average earning assets | $3,901,616,400 | 196 |
| Average equity | $579,536,400 | 177 |
| Average total loans | $2,661,572,200 | 196 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 4,667 |
| Cost of funding earning assets | 0.5229% | 3,539 |
| Net interest margin | 3.3268% | 4,541 |
| Noninterest income to average assets | 0.4675% | 4,018 |
| Noninterest expense to average assets | 2.3108% | 5,300 |
| Loan and lease loss provision to assets | 0.3195% | 1,050 |
| Net operating income to assets | 0.5515% | 4,582 |
| Return on assets (ROA) | 0.6949% | 4,023 |
| Pretax return on assets | 1.0125% | 3,462 |
| Return on Equity (ROE) | 5.5447% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.5447% | 2,700 |
| Net charge-offs to loans | 0.4914% | 1,307 |
| Credit loss provision to net charge-offs | 109.0435% | 2,156 |
| Earnings coverage of net charge-offs (x) | 3.8369% | 3,600 |
| Efficiency ratio | 66.2259% | 4,443 |
| Assets per employee ($millions) | 8.4796% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 4,880 |
| Loan loss allowance to noncurrent loans | 107.3255% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 4,073 |
| Noncurrent loans to loans | 1.1146% | 3,573 |
| Net loans and leases to total assets | 58.9661% | 3,859 |
| Net loans and leases to deposits | 78.6518% | 2,565 |
| Net loans and leases to core deposits | 80.8644% | 3,025 |
| Total domestic deposits to total assets | 74.9711% | 6,282 |
| Equity capital to assets | 12.7642% | 1,442 |
| Core capital (leverage) ratio | 9.3345% | 4,642 |
| Tier 1 risk-based capital ratio | 13.1818% | 4,992 |
| Total risk-based capital ratio | 14.2378% | 5,083 |
| Memoranda: | ||
| Average total assets | $3,839,349,750 | 211 |
| Average earning assets | $3,424,583,000 | 206 |
| Average equity | $481,143,750 | 199 |
| Average total loans | $2,289,059,000 | 223 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 4,608 |
| Cost of funding earning assets | 0.5353% | 3,545 |
| Net interest margin | 3.3286% | 4,453 |
| Noninterest income to average assets | 0.4681% | 4,039 |
| Noninterest expense to average assets | 2.3142% | 5,326 |
| Loan and lease loss provision to assets | 0.3447% | 975 |
| Net operating income to assets | 0.5600% | 4,501 |
| Return on assets (ROA) | 0.7197% | 3,892 |
| Pretax return on assets | 1.0002% | 3,511 |
| Return on Equity (ROE) | 5.7810% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.7810% | 2,566 |
| Net charge-offs to loans | 0.5553% | 1,186 |
| Credit loss provision to net charge-offs | 104.1667% | 2,116 |
| Earnings coverage of net charge-offs (x) | 3.3936% | 3,400 |
| Efficiency ratio | 66.2063% | 4,513 |
| Assets per employee ($millions) | 7.8955% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,915 |
| Loan loss allowance to noncurrent loans | 90.1907% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 3,912 |
| Noncurrent loans to loans | 1.3456% | 3,307 |
| Net loans and leases to total assets | 60.4412% | 3,586 |
| Net loans and leases to deposits | 83.3239% | 1,890 |
| Net loans and leases to core deposits | 91.2903% | 1,782 |
| Total domestic deposits to total assets | 72.5376% | 6,534 |
| Equity capital to assets | 12.1031% | 1,847 |
| Core capital (leverage) ratio | 8.4870% | 5,685 |
| Tier 1 risk-based capital ratio | 11.8183% | 5,904 |
| Total risk-based capital ratio | 12.9022% | 5,978 |
| Memoranda: | ||
| Average total assets | $3,770,882,330 | 211 |
| Average earning assets | $3,363,648,000 | 207 |
| Average equity | $469,431,330 | 204 |
| Average total loans | $2,247,442,330 | 225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 4,527 |
| Cost of funding earning assets | 0.5593% | 3,481 |
| Net interest margin | 3.3267% | 4,416 |
| Noninterest income to average assets | 0.4363% | 4,211 |
| Noninterest expense to average assets | 2.3602% | 5,239 |
| Loan and lease loss provision to assets | 0.2777% | 1,264 |
| Net operating income to assets | 0.5672% | 4,374 |
| Return on assets (ROA) | 0.7457% | 3,591 |
| Pretax return on assets | 0.9985% | 3,358 |
| Return on Equity (ROE) | 5.9066% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.9066% | 2,733 |
| Net charge-offs to loans | 0.5758% | 1,058 |
| Credit loss provision to net charge-offs | 82.0189% | 2,133 |
| Earnings coverage of net charge-offs (x) | 3.0666% | 2,849 |
| Efficiency ratio | 68.2327% | 4,267 |
| Assets per employee ($millions) | 7.6410% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,953 |
| Loan loss allowance to noncurrent loans | 88.0675% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 3,942 |
| Noncurrent loans to loans | 1.4180% | 3,440 |
| Net loans and leases to total assets | 58.7729% | 3,655 |
| Net loans and leases to deposits | 77.0767% | 2,475 |
| Net loans and leases to core deposits | 81.3141% | 2,653 |
| Total domestic deposits to total assets | 76.2524% | 6,334 |
| Equity capital to assets | 12.8058% | 1,529 |
| Core capital (leverage) ratio | 8.6170% | 5,433 |
| Tier 1 risk-based capital ratio | 12.4139% | 5,629 |
| Total risk-based capital ratio | 13.5445% | 5,676 |
| Memoranda: | ||
| Average total assets | $3,745,624,500 | 215 |
| Average earning assets | $3,334,924,000 | 213 |
| Average equity | $472,893,000 | 206 |
| Average total loans | $2,202,127,000 | 233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 5,464 |
| Cost of funding earning assets | 0.6289% | 4,108 |
| Net interest margin | 3.3136% | 5,204 |
| Noninterest income to average assets | 0.5292% | 3,715 |
| Noninterest expense to average assets | 2.5802% | 4,812 |
| Loan and lease loss provision to assets | 0.3372% | 1,991 |
| Net operating income to assets | 0.4031% | 5,092 |
| Return on assets (ROA) | 0.6178% | 4,419 |
| Pretax return on assets | 0.8262% | 4,198 |
| Return on Equity (ROE) | 4.8466% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.4796% | 3,765 |
| Net charge-offs to loans | 0.6015% | 1,929 |
| Credit loss provision to net charge-offs | 98.8844% | 3,135 |
| Earnings coverage of net charge-offs (x) | 2.5719% | 4,131 |
| Efficiency ratio | 73.8330% | 3,095 |
| Assets per employee ($millions) | 7.6782% | 578 |
| Cash dividends to net income (ytd only)* | 28.2061% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,744 |
| Loan loss allowance to noncurrent loans | 83.7898% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0727% | 3,882 |
| Noncurrent loans to loans | 1.5261% | 3,319 |
| Net loans and leases to total assets | 57.3404% | 4,078 |
| Net loans and leases to deposits | 73.9408% | 3,095 |
| Net loans and leases to core deposits | 77.8533% | 3,280 |
| Total domestic deposits to total assets | 77.5491% | 6,154 |
| Equity capital to assets | 12.4484% | 1,751 |
| Core capital (leverage) ratio | 8.2268% | 5,966 |
| Tier 1 risk-based capital ratio | 12.2787% | 5,613 |
| Total risk-based capital ratio | 13.4492% | 5,612 |
| Memoranda: | ||
| Average total assets | $3,443,148,400 | 225 |
| Average earning assets | $3,042,687,400 | 223 |
| Average equity | $438,906,600 | 217 |
| Average total loans | $1,952,324,600 | 254 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 5,788 |
| Cost of funding earning assets | 0.6218% | 4,437 |
| Net interest margin | 3.2775% | 5,463 |
| Noninterest income to average assets | 0.5067% | 3,880 |
| Noninterest expense to average assets | 2.6759% | 4,471 |
| Loan and lease loss provision to assets | 0.3440% | 1,907 |
| Net operating income to assets | 0.2983% | 5,622 |
| Return on assets (ROA) | 0.5602% | 4,832 |
| Pretax return on assets | 0.7207% | 4,792 |
| Return on Equity (ROE) | 4.3657% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.5089% | 5,067 |
| Net charge-offs to loans | 0.6082% | 1,810 |
| Credit loss provision to net charge-offs | 100.4290% | 2,947 |
| Earnings coverage of net charge-offs (x) | 2.1281% | 4,202 |
| Efficiency ratio | 77.7633% | 2,426 |
| Assets per employee ($millions) | 8.1419% | 457 |
| Cash dividends to net income (ytd only)* | 42.5321% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,677 |
| Loan loss allowance to noncurrent loans | 71.0353% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 3,987 |
| Noncurrent loans to loans | 1.8718% | 2,988 |
| Net loans and leases to total assets | 52.2861% | 5,005 |
| Net loans and leases to deposits | 66.9932% | 4,337 |
| Net loans and leases to core deposits | 71.1880% | 4,353 |
| Total domestic deposits to total assets | 78.0470% | 6,065 |
| Equity capital to assets | 11.6365% | 2,612 |
| Core capital (leverage) ratio | 7.5596% | 6,586 |
| Tier 1 risk-based capital ratio | 12.1609% | 5,850 |
| Total risk-based capital ratio | 13.3553% | 5,860 |
| Memoranda: | ||
| Average total assets | $3,357,593,000 | 230 |
| Average earning assets | $2,968,958,750 | 229 |
| Average equity | $430,829,000 | 222 |
| Average total loans | $1,890,741,000 | 255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 5,405 |
| Cost of funding earning assets | 0.6397% | 4,533 |
| Net interest margin | 3.4353% | 4,945 |
| Noninterest income to average assets | 0.5238% | 3,757 |
| Noninterest expense to average assets | 2.5409% | 4,993 |
| Loan and lease loss provision to assets | 0.3289% | 2,000 |
| Net operating income to assets | 0.5114% | 4,770 |
| Return on assets (ROA) | 0.7581% | 3,835 |
| Pretax return on assets | 1.0390% | 3,563 |
| Return on Equity (ROE) | 5.6827% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.6827% | 2,886 |
| Net charge-offs to loans | 0.6424% | 1,713 |
| Credit loss provision to net charge-offs | 88.6942% | 3,088 |
| Earnings coverage of net charge-offs (x) | 2.7771% | 3,634 |
| Efficiency ratio | 70.3605% | 3,704 |
| Assets per employee ($millions) | 6.6229% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 4,077 |
| Loan loss allowance to noncurrent loans | 61.9960% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6498% | 3,245 |
| Noncurrent loans to loans | 2.3970% | 2,503 |
| Net loans and leases to total assets | 58.2561% | 4,117 |
| Net loans and leases to deposits | 77.4938% | 2,753 |
| Net loans and leases to core deposits | 79.3085% | 3,320 |
| Total domestic deposits to total assets | 75.1752% | 6,569 |
| Equity capital to assets | 13.4991% | 1,306 |
| Core capital (leverage) ratio | 8.6650% | 5,425 |
| Tier 1 risk-based capital ratio | 12.6868% | 5,426 |
| Total risk-based capital ratio | 13.9382% | 5,403 |
| Memoranda: | ||
| Average total assets | $3,138,808,000 | 242 |
| Average earning assets | $2,784,063,330 | 239 |
| Average equity | $418,744,330 | 224 |
| Average total loans | $1,811,981,330 | 260 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 5,521 |
| Cost of funding earning assets | 0.6579% | 4,658 |
| Net interest margin | 3.4234% | 5,013 |
| Noninterest income to average assets | 0.4937% | 3,950 |
| Noninterest expense to average assets | 2.5603% | 4,958 |
| Loan and lease loss provision to assets | 0.3632% | 1,739 |
| Net operating income to assets | 0.4459% | 5,055 |
| Return on assets (ROA) | 0.7193% | 4,009 |
| Pretax return on assets | 0.9757% | 3,770 |
| Return on Equity (ROE) | 5.4239% | 4,582 |
| Retained earnings to average equity (ytd only) | 5.4239% | 3,305 |
| Net charge-offs to loans | 0.7393% | 1,380 |
| Credit loss provision to net charge-offs | 86.1548% | 2,621 |
| Earnings coverage of net charge-offs (x) | 2.2996% | 3,246 |
| Efficiency ratio | 71.6891% | 3,497 |
| Assets per employee ($millions) | 6.6561% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,974 |
| Loan loss allowance to noncurrent loans | 53.4756% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 3,167 |
| Noncurrent loans to loans | 2.8854% | 2,238 |
| Net loans and leases to total assets | 55.3810% | 4,488 |
| Net loans and leases to deposits | 74.2204% | 3,089 |
| Net loans and leases to core deposits | 74.9632% | 3,749 |
| Total domestic deposits to total assets | 74.6168% | 6,690 |
| Equity capital to assets | 13.0640% | 1,413 |
| Core capital (leverage) ratio | 8.3200% | 5,845 |
| Tier 1 risk-based capital ratio | 12.6336% | 5,491 |
| Total risk-based capital ratio | 13.8854% | 5,455 |
| Memoranda: | ||
| Average total assets | $3,138,584,000 | 241 |
| Average earning assets | $2,783,423,000 | 238 |
| Average equity | $416,231,000 | 222 |
| Average total loans | $1,789,774,000 | 262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 5,973 |
| Cost of funding earning assets | 0.7832% | 4,985 |
| Net interest margin | 3.4476% | 5,344 |
| Noninterest income to average assets | 0.4990% | 3,850 |
| Noninterest expense to average assets | 2.8299% | 4,236 |
| Loan and lease loss provision to assets | 0.5473% | 1,906 |
| Net operating income to assets | 0.1296% | 5,794 |
| Return on assets (ROA) | 0.3496% | 5,229 |
| Pretax return on assets | 0.4085% | 5,273 |
| Return on Equity (ROE) | 2.6000% | 5,439 |
| Retained earnings to average equity (ytd only) | 0.1218% | 5,780 |
| Net charge-offs to loans | 1.1543% | 1,470 |
| Credit loss provision to net charge-offs | 83.2186% | 4,321 |
| Earnings coverage of net charge-offs (x) | 1.0643% | 4,991 |
| Efficiency ratio | 79.1756% | 2,416 |
| Assets per employee ($millions) | 6.0663% | 1,183 |
| Cash dividends to net income (ytd only)* | 95.3138% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 3,757 |
| Loan loss allowance to noncurrent loans | 60.3794% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.6757% | 3,441 |
| Noncurrent loans to loans | 2.5813% | 2,539 |
| Net loans and leases to total assets | 56.9313% | 4,557 |
| Net loans and leases to deposits | 81.0268% | 2,354 |
| Net loans and leases to core deposits | 84.7978% | 2,772 |
| Total domestic deposits to total assets | 70.2623% | 6,972 |
| Equity capital to assets | 13.4676% | 1,284 |
| Core capital (leverage) ratio | 8.5063% | 5,547 |
| Tier 1 risk-based capital ratio | 11.6875% | 6,030 |
| Total risk-based capital ratio | 12.9382% | 6,016 |
| Memoranda: | ||
| Average total assets | $3,002,847,600 | 240 |
| Average earning assets | $2,639,921,200 | 239 |
| Average equity | $403,812,200 | 217 |
| Average total loans | $1,710,790,200 | 264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 6,080 |
| Cost of funding earning assets | 0.7976% | 5,169 |
| Net interest margin | 3.4535% | 5,378 |
| Noninterest income to average assets | 0.4799% | 4,043 |
| Noninterest expense to average assets | 2.9129% | 3,871 |
| Loan and lease loss provision to assets | 0.6470% | 1,522 |
| Net operating income to assets | -0.0386% | 6,202 |
| Return on assets (ROA) | 0.2175% | 5,785 |
| Pretax return on assets | 0.2072% | 5,882 |
| Return on Equity (ROE) | 1.6177% | 5,895 |
| Retained earnings to average equity (ytd only) | -1.7055% | 6,260 |
| Net charge-offs to loans | 1.6852% | 821 |
| Credit loss provision to net charge-offs | 67.6538% | 4,555 |
| Earnings coverage of net charge-offs (x) | 0.6254% | 5,159 |
| Efficiency ratio | 81.9421% | 1,986 |
| Assets per employee ($millions) | 6.0983% | 1,151 |
| Cash dividends to net income (ytd only)* | 205.4233% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,498 |
| Loan loss allowance to noncurrent loans | 59.4350% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4691% | 3,918 |
| Noncurrent loans to loans | 2.3778% | 2,917 |
| Net loans and leases to total assets | 53.7639% | 5,199 |
| Net loans and leases to deposits | 72.6736% | 3,855 |
| Net loans and leases to core deposits | 73.7097% | 4,496 |
| Total domestic deposits to total assets | 73.9799% | 6,762 |
| Equity capital to assets | 12.9662% | 1,629 |
| Core capital (leverage) ratio | 8.1376% | 6,232 |
| Tier 1 risk-based capital ratio | 11.8498% | 6,003 |
| Total risk-based capital ratio | 13.0344% | 6,041 |
| Memoranda: | ||
| Average total assets | $2,984,660,500 | 238 |
| Average earning assets | $2,619,621,750 | 241 |
| Average equity | $401,212,750 | 217 |
| Average total loans | $1,693,812,750 | 264 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 5,954 |
| Cost of funding earning assets | 0.8199% | 5,243 |
| Net interest margin | 3.5002% | 5,167 |
| Noninterest income to average assets | 0.5027% | 3,841 |
| Noninterest expense to average assets | 2.8856% | 4,080 |
| Loan and lease loss provision to assets | 0.3882% | 2,472 |
| Net operating income to assets | 0.2774% | 5,458 |
| Return on assets (ROA) | 0.3556% | 5,290 |
| Pretax return on assets | 0.3895% | 5,423 |
| Return on Equity (ROE) | 2.6127% | 5,558 |
| Retained earnings to average equity (ytd only) | 0.1721% | 5,772 |
| Net charge-offs to loans | 1.3090% | 1,169 |
| Credit loss provision to net charge-offs | 51.5417% | 4,546 |
| Earnings coverage of net charge-offs (x) | 0.9184% | 4,611 |
| Efficiency ratio | 79.6451% | 2,442 |
| Assets per employee ($millions) | 5.3759% | 1,683 |
| Cash dividends to net income (ytd only)* | 93.4125% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 4,005 |
| Loan loss allowance to noncurrent loans | 53.4236% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 3,516 |
| Noncurrent loans to loans | 2.8563% | 2,557 |
| Net loans and leases to total assets | 55.8394% | 5,021 |
| Net loans and leases to deposits | 77.7467% | 3,169 |
| Net loans and leases to core deposits | 84.3159% | 3,169 |
| Total domestic deposits to total assets | 71.8222% | 7,017 |
| Equity capital to assets | 13.6555% | 1,224 |
| Core capital (leverage) ratio | 8.7694% | 5,092 |
| Tier 1 risk-based capital ratio | 12.2235% | 5,584 |
| Total risk-based capital ratio | 13.4738% | 5,568 |
| Memoranda: | ||
| Average total assets | $2,936,738,000 | 243 |
| Average earning assets | $2,579,713,670 | 250 |
| Average equity | $399,737,670 | 218 |
| Average total loans | $1,689,725,330 | 269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 5,901 |
| Cost of funding earning assets | 0.8364% | 5,356 |
| Net interest margin | 3.4977% | 5,027 |
| Noninterest income to average assets | 0.5484% | 3,525 |
| Noninterest expense to average assets | 2.8569% | 4,243 |
| Loan and lease loss provision to assets | 0.2875% | 2,846 |
| Net operating income to assets | 0.3848% | 5,013 |
| Return on assets (ROA) | 0.4677% | 4,714 |
| Pretax return on assets | 0.5784% | 4,771 |
| Return on Equity (ROE) | 3.4419% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.4419% | 4,124 |
| Net charge-offs to loans | 1.5832% | 855 |
| Credit loss provision to net charge-offs | 31.3339% | 4,097 |
| Earnings coverage of net charge-offs (x) | 0.8320% | 4,016 |
| Efficiency ratio | 77.7732% | 2,878 |
| Assets per employee ($millions) | 5.2924% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,866 |
| Loan loss allowance to noncurrent loans | 71.1031% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 4,072 |
| Noncurrent loans to loans | 2.2094% | 3,306 |
| Net loans and leases to total assets | 56.8997% | 4,824 |
| Net loans and leases to deposits | 78.5122% | 2,974 |
| Net loans and leases to core deposits | 81.3386% | 3,552 |
| Total domestic deposits to total assets | 72.4724% | 7,042 |
| Equity capital to assets | 13.7031% | 1,104 |
| Core capital (leverage) ratio | 9.0956% | 4,456 |
| Tier 1 risk-based capital ratio | 12.5938% | 5,176 |
| Total risk-based capital ratio | 13.8447% | 5,150 |
| Memoranda: | ||
| Average total assets | $2,921,371,500 | 242 |
| Average earning assets | $2,565,805,500 | 253 |
| Average equity | $396,995,000 | 218 |
| Average total loans | $1,693,240,500 | 274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 6,192 |
| Cost of funding earning assets | 0.9692% | 5,848 |
| Net interest margin | 3.6001% | 4,826 |
| Noninterest income to average assets | 0.5353% | 3,919 |
| Noninterest expense to average assets | 2.7302% | 4,853 |
| Loan and lease loss provision to assets | 0.3257% | 4,206 |
| Net operating income to assets | 0.4777% | 4,202 |
| Return on assets (ROA) | 0.7271% | 3,242 |
| Pretax return on assets | 0.9804% | 2,997 |
| Return on Equity (ROE) | 5.3598% | 3,926 |
| Retained earnings to average equity (ytd only) | 0.3566% | 5,398 |
| Net charge-offs to loans | 0.5036% | 3,605 |
| Credit loss provision to net charge-offs | 112.5308% | 3,878 |
| Earnings coverage of net charge-offs (x) | 3.3487% | 3,404 |
| Efficiency ratio | 72.4399% | 3,715 |
| Assets per employee ($millions) | 5.3796% | 1,691 |
| Cash dividends to net income (ytd only)* | 93.3467% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,792 |
| Loan loss allowance to noncurrent loans | 85.6733% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 4,308 |
| Noncurrent loans to loans | 2.1262% | 3,405 |
| Net loans and leases to total assets | 57.0534% | 5,180 |
| Net loans and leases to deposits | 83.4103% | 2,548 |
| Net loans and leases to core deposits | 89.2614% | 2,866 |
| Total domestic deposits to total assets | 68.4010% | 7,310 |
| Equity capital to assets | 13.4764% | 1,183 |
| Core capital (leverage) ratio | 8.8893% | 4,718 |
| Tier 1 risk-based capital ratio | 12.6340% | 4,912 |
| Total risk-based capital ratio | 13.8881% | 4,889 |
| Memoranda: | ||
| Average total assets | $2,947,858,000 | 247 |
| Average earning assets | $2,590,797,000 | 246 |
| Average equity | $399,882,200 | 209 |
| Average total loans | $1,694,017,200 | 282 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 6,355 |
| Cost of funding earning assets | 0.9843% | 6,014 |
| Net interest margin | 3.6068% | 4,843 |
| Noninterest income to average assets | 0.4916% | 4,258 |
| Noninterest expense to average assets | 2.7085% | 4,845 |
| Loan and lease loss provision to assets | 0.3388% | 3,892 |
| Net operating income to assets | 0.4693% | 4,443 |
| Return on assets (ROA) | 0.6686% | 3,714 |
| Pretax return on assets | 0.8731% | 3,652 |
| Return on Equity (ROE) | 4.9210% | 4,326 |
| Retained earnings to average equity (ytd only) | -1.7277% | 6,147 |
| Net charge-offs to loans | 0.5221% | 3,211 |
| Credit loss provision to net charge-offs | 113.2246% | 3,705 |
| Earnings coverage of net charge-offs (x) | 3.1851% | 3,550 |
| Efficiency ratio | 72.5605% | 3,598 |
| Assets per employee ($millions) | 5.4374% | 1,685 |
| Cash dividends to net income (ytd only)* | 135.1077% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 2,769 |
| Loan loss allowance to noncurrent loans | 114.9143% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 5,057 |
| Noncurrent loans to loans | 1.5707% | 4,282 |
| Net loans and leases to total assets | 55.7007% | 5,593 |
| Net loans and leases to deposits | 77.6012% | 3,903 |
| Net loans and leases to core deposits | 79.1817% | 4,633 |
| Total domestic deposits to total assets | 71.7781% | 7,153 |
| Equity capital to assets | 13.3992% | 1,392 |
| Core capital (leverage) ratio | 8.4322% | 5,638 |
| Tier 1 risk-based capital ratio | 12.0869% | 5,372 |
| Total risk-based capital ratio | 13.3406% | 5,341 |
| Memoranda: | ||
| Average total assets | $2,951,846,500 | 243 |
| Average earning assets | $2,594,288,750 | 246 |
| Average equity | $401,073,750 | 209 |
| Average total loans | $1,691,574,500 | 280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 6,309 |
| Cost of funding earning assets | 1.0127% | 6,081 |
| Net interest margin | 3.6389% | 4,636 |
| Noninterest income to average assets | 0.4724% | 4,338 |
| Noninterest expense to average assets | 2.7026% | 4,892 |
| Loan and lease loss provision to assets | 0.3582% | 3,562 |
| Net operating income to assets | 0.4821% | 4,407 |
| Return on assets (ROA) | 0.6325% | 3,861 |
| Pretax return on assets | 0.8052% | 3,859 |
| Return on Equity (ROE) | 4.6334% | 4,469 |
| Retained earnings to average equity (ytd only) | -0.3638% | 5,808 |
| Net charge-offs to loans | 0.4978% | 3,045 |
| Credit loss provision to net charge-offs | 125.1192% | 3,225 |
| Earnings coverage of net charge-offs (x) | 3.3987% | 3,341 |
| Efficiency ratio | 72.0771% | 3,800 |
| Assets per employee ($millions) | 5.2295% | 1,893 |
| Cash dividends to net income (ytd only)* | 107.8516% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,674 |
| Loan loss allowance to noncurrent loans | 106.7702% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 4,938 |
| Noncurrent loans to loans | 1.7008% | 4,136 |
| Net loans and leases to total assets | 56.7662% | 5,584 |
| Net loans and leases to deposits | 84.3645% | 2,808 |
| Net loans and leases to core deposits | 86.2616% | 3,794 |
| Total domestic deposits to total assets | 67.2869% | 7,462 |
| Equity capital to assets | 13.7565% | 1,254 |
| Core capital (leverage) ratio | 8.7484% | 5,009 |
| Tier 1 risk-based capital ratio | 12.4044% | 4,942 |
| Total risk-based capital ratio | 13.6584% | 4,915 |
| Memoranda: | ||
| Average total assets | $2,931,680,670 | 244 |
| Average earning assets | $2,580,587,330 | 246 |
| Average equity | $400,221,670 | 210 |
| Average total loans | $1,685,852,670 | 282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 6,523 |
| Cost of funding earning assets | 1.0552% | 6,113 |
| Net interest margin | 3.5579% | 4,908 |
| Noninterest income to average assets | 0.4774% | 4,223 |
| Noninterest expense to average assets | 2.7187% | 4,818 |
| Loan and lease loss provision to assets | 0.3424% | 3,330 |
| Net operating income to assets | 0.4250% | 4,736 |
| Return on assets (ROA) | 0.6224% | 3,927 |
| Pretax return on assets | 0.7993% | 3,866 |
| Return on Equity (ROE) | 4.5771% | 4,604 |
| Retained earnings to average equity (ytd only) | -5.4958% | 6,624 |
| Net charge-offs to loans | 0.4832% | 2,611 |
| Credit loss provision to net charge-offs | 123.5788% | 2,833 |
| Earnings coverage of net charge-offs (x) | 3.2066% | 2,984 |
| Efficiency ratio | 73.8409% | 3,597 |
| Assets per employee ($millions) | 5.2514% | 1,912 |
| Cash dividends to net income (ytd only)* | 220.0704% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,663 |
| Loan loss allowance to noncurrent loans | 110.0094% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 5,097 |
| Noncurrent loans to loans | 1.6566% | 4,265 |
| Net loans and leases to total assets | 55.9688% | 5,749 |
| Net loans and leases to deposits | 80.6995% | 3,514 |
| Net loans and leases to core deposits | 83.1367% | 4,320 |
| Total domestic deposits to total assets | 69.3547% | 7,452 |
| Equity capital to assets | 13.4930% | 1,330 |
| Core capital (leverage) ratio | 8.6177% | 5,179 |
| Tier 1 risk-based capital ratio | 12.3803% | 4,849 |
| Total risk-based capital ratio | 13.6343% | 4,799 |
| Memoranda: | ||
| Average total assets | $2,920,193,500 | 255 |
| Average earning assets | $2,568,945,000 | 257 |
| Average equity | $397,104,000 | 212 |
| Average total loans | $1,674,645,500 | 294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 6,664 |
| Cost of funding earning assets | 1.3576% | 6,106 |
| Net interest margin | 3.5626% | 4,681 |
| Noninterest income to average assets | 0.6521% | 3,274 |
| Noninterest expense to average assets | 2.5835% | 5,847 |
| Loan and lease loss provision to assets | 0.6028% | 3,382 |
| Net operating income to assets | 0.4329% | 3,995 |
| Return on assets (ROA) | 0.9294% | 2,139 |
| Pretax return on assets | 1.2826% | 1,745 |
| Return on Equity (ROE) | 6.7858% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.0582% | 3,019 |
| Net charge-offs to loans | 0.6566% | 3,218 |
| Credit loss provision to net charge-offs | 156.0560% | 2,901 |
| Earnings coverage of net charge-offs (x) | 3.0960% | 3,516 |
| Efficiency ratio | 66.7180% | 5,243 |
| Assets per employee ($millions) | 5.3494% | 1,788 |
| Cash dividends to net income (ytd only)* | 54.9324% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 2,598 |
| Loan loss allowance to noncurrent loans | 112.2612% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 5,115 |
| Noncurrent loans to loans | 1.5901% | 4,267 |
| Net loans and leases to total assets | 56.6590% | 5,877 |
| Net loans and leases to deposits | 87.1501% | 2,710 |
| Net loans and leases to core deposits | 93.5884% | 4,719 |
| Total domestic deposits to total assets | 65.0131% | 7,673 |
| Equity capital to assets | 13.7048% | 1,251 |
| Core capital (leverage) ratio | 8.8543% | 4,677 |
| Tier 1 risk-based capital ratio | 12.5643% | 4,472 |
| Total risk-based capital ratio | 13.8142% | 4,412 |
| Memoranda: | ||
| Average total assets | $2,919,923,600 | 254 |
| Average earning assets | $2,563,121,400 | 265 |
| Average equity | $399,905,800 | 214 |
| Average total loans | $1,717,698,600 | 297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 6,682 |
| Cost of funding earning assets | 1.4118% | 6,179 |
| Net interest margin | 3.5624% | 4,626 |
| Noninterest income to average assets | 0.6463% | 3,371 |
| Noninterest expense to average assets | 2.5881% | 5,753 |
| Loan and lease loss provision to assets | 0.6889% | 2,674 |
| Net operating income to assets | 0.3578% | 4,560 |
| Return on assets (ROA) | 0.9488% | 2,299 |
| Pretax return on assets | 1.3058% | 1,944 |
| Return on Equity (ROE) | 6.9291% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.0966% | 2,434 |
| Net charge-offs to loans | 0.6711% | 2,683 |
| Credit loss provision to net charge-offs | 173.6630% | 2,670 |
| Earnings coverage of net charge-offs (x) | 2.9875% | 3,739 |
| Efficiency ratio | 66.9121% | 5,207 |
| Assets per employee ($millions) | 5.6240% | 1,496 |
| Cash dividends to net income (ytd only)* | 26.4461% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 2,407 |
| Loan loss allowance to noncurrent loans | 113.5290% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 5,200 |
| Noncurrent loans to loans | 1.5514% | 4,315 |
| Net loans and leases to total assets | 55.5998% | 6,186 |
| Net loans and leases to deposits | 80.0418% | 4,380 |
| Net loans and leases to core deposits | 86.7244% | 5,797 |
| Total domestic deposits to total assets | 69.4635% | 7,456 |
| Equity capital to assets | 13.5531% | 1,474 |
| Core capital (leverage) ratio | 8.6367% | 5,244 |
| Tier 1 risk-based capital ratio | 12.5847% | 4,482 |
| Total risk-based capital ratio | 13.8346% | 4,437 |
| Memoranda: | ||
| Average total assets | $2,922,381,000 | 265 |
| Average earning assets | $2,565,159,750 | 273 |
| Average equity | $400,176,500 | 215 |
| Average total loans | $1,727,424,250 | 309 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 6,415 |
| Cost of funding earning assets | 1.4908% | 6,181 |
| Net interest margin | 3.6144% | 4,306 |
| Noninterest income to average assets | 0.6113% | 3,593 |
| Noninterest expense to average assets | 2.6739% | 5,478 |
| Loan and lease loss provision to assets | 0.7331% | 2,234 |
| Net operating income to assets | 0.2770% | 4,991 |
| Return on assets (ROA) | 1.0684% | 1,953 |
| Pretax return on assets | 1.5128% | 1,407 |
| Return on Equity (ROE) | 7.7744% | 2,862 |
| Retained earnings to average equity (ytd only) | 5.0062% | 2,501 |
| Net charge-offs to loans | 0.7170% | 2,264 |
| Credit loss provision to net charge-offs | 170.4728% | 2,698 |
| Earnings coverage of net charge-offs (x) | 2.6304% | 3,759 |
| Efficiency ratio | 68.5497% | 5,054 |
| Assets per employee ($millions) | 5.1722% | 1,898 |
| Cash dividends to net income (ytd only)* | 35.6056% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 2,604 |
| Loan loss allowance to noncurrent loans | 117.8595% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 5,117 |
| Noncurrent loans to loans | 1.3861% | 4,442 |
| Net loans and leases to total assets | 59.8682% | 5,695 |
| Net loans and leases to deposits | 88.8605% | 3,020 |
| Net loans and leases to core deposits | 96.7655% | 4,815 |
| Total domestic deposits to total assets | 67.3732% | 7,658 |
| Equity capital to assets | 14.1455% | 1,259 |
| Core capital (leverage) ratio | 9.0357% | 4,572 |
| Tier 1 risk-based capital ratio | 12.7168% | 4,348 |
| Total risk-based capital ratio | 13.9697% | 4,259 |
| Memoranda: | ||
| Average total assets | $2,891,686,000 | 275 |
| Average earning assets | $2,555,205,000 | 278 |
| Average equity | $397,383,670 | 221 |
| Average total loans | $1,734,536,330 | 321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 6,359 |
| Cost of funding earning assets | 1.5483% | 6,240 |
| Net interest margin | 3.6360% | 4,158 |
| Noninterest income to average assets | 0.6063% | 3,503 |
| Noninterest expense to average assets | 2.5532% | 5,638 |
| Loan and lease loss provision to assets | 0.9699% | 1,338 |
| Net operating income to assets | 0.2219% | 5,594 |
| Return on assets (ROA) | 0.8295% | 3,150 |
| Pretax return on assets | 1.1334% | 2,861 |
| Return on Equity (ROE) | 6.1224% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.1224% | 2,576 |
| Net charge-offs to loans | 0.9881% | 1,362 |
| Credit loss provision to net charge-offs | 164.8097% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.1597% | 3,659 |
| Efficiency ratio | 65.0282% | 5,501 |
| Assets per employee ($millions) | 5.4082% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 2,872 |
| Loan loss allowance to noncurrent loans | 100.0341% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 4,801 |
| Noncurrent loans to loans | 1.5183% | 4,007 |
| Net loans and leases to total assets | 58.2632% | 5,903 |
| Net loans and leases to deposits | 84.5719% | 3,884 |
| Net loans and leases to core deposits | 96.2594% | 4,936 |
| Total domestic deposits to total assets | 68.8918% | 7,531 |
| Equity capital to assets | 13.5992% | 1,497 |
| Core capital (leverage) ratio | 8.4922% | 5,553 |
| Tier 1 risk-based capital ratio | 12.3981% | 4,619 |
| Total risk-based capital ratio | 13.6481% | 4,539 |
| Memoranda: | ||
| Average total assets | $2,928,116,000 | 275 |
| Average earning assets | $2,591,425,500 | 279 |
| Average equity | $396,707,500 | 220 |
| Average total loans | $1,744,001,500 | 320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 6,342 |
| Cost of funding earning assets | 1.9345% | 6,628 |
| Net interest margin | 3.8931% | 3,591 |
| Noninterest income to average assets | 0.6247% | 3,676 |
| Noninterest expense to average assets | 2.4626% | 6,160 |
| Loan and lease loss provision to assets | 0.3137% | 3,866 |
| Net operating income to assets | 0.8804% | 3,092 |
| Return on assets (ROA) | 0.9129% | 2,800 |
| Pretax return on assets | 1.2931% | 2,333 |
| Return on Equity (ROE) | 6.8198% | 3,616 |
| Retained earnings to average equity (ytd only) | 2.3921% | 3,712 |
| Net charge-offs to loans | 0.3350% | 3,162 |
| Credit loss provision to net charge-offs | 158.4507% | 3,272 |
| Earnings coverage of net charge-offs (x) | 7.8856% | 3,006 |
| Efficiency ratio | 59.2885% | 6,478 |
| Assets per employee ($millions) | 5.3275% | 1,613 |
| Cash dividends to net income (ytd only)* | 64.9246% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 3,463 |
| Loan loss allowance to noncurrent loans | 131.0190% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 5,185 |
| Noncurrent loans to loans | 1.0328% | 4,519 |
| Net loans and leases to total assets | 59.1518% | 6,036 |
| Net loans and leases to deposits | 89.7464% | 3,495 |
| Net loans and leases to core deposits | 105.2974% | 4,268 |
| Total domestic deposits to total assets | 65.9099% | 7,667 |
| Equity capital to assets | 13.4968% | 1,595 |
| Core capital (leverage) ratio | 8.3415% | 5,870 |
| Tier 1 risk-based capital ratio | 11.8837% | 4,913 |
| Total risk-based capital ratio | 13.1087% | 4,834 |
| Memoranda: | ||
| Average total assets | $2,869,317,000 | 265 |
| Average earning assets | $2,505,032,200 | 273 |
| Average equity | $384,102,200 | 227 |
| Average total loans | $1,695,616,600 | 320 |