Home > Stifel Bank and Trust > Performance and Condition Ratios
Stifel Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2525% | 462 |
| Cost of funding earning assets | 1.9277% | 1,022 |
| Net interest margin | 4.3248% | 781 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 0.8319% | 4,515 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.7145% | 204 |
| Return on assets (ROA) | 2.6899% | 206 |
| Pretax return on assets | 3.5221% | 145 |
| Return on Equity (ROE) | 34.8700% | 126 |
| Retained earnings to average equity (ytd only) | -18.3258% | 4,513 |
| Net charge-offs to loans | 0.0609% | 1,243 |
| Credit loss provision to net charge-offs | 179.3450% | 1,318 |
| Earnings coverage of net charge-offs (x) | 78.0333% | 1,037 |
| Efficiency ratio | 18.8505% | 4,528 |
| Assets per employee ($millions) | 53.2494% | 28 |
| Cash dividends to net income (ytd only)* | 152.5483% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 3,900 |
| Loan loss allowance to noncurrent loans | 223.5857% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 1,879 |
| Noncurrent loans to loans | 0.3697% | 1,879 |
| Net loans and leases to total assets | 72.3600% | 1,539 |
| Net loans and leases to deposits | 80.4873% | 2,061 |
| Net loans and leases to core deposits | 80.4873% | 2,680 |
| Total domestic deposits to total assets | 89.9000% | 784 |
| Equity capital to assets | 7.9867% | 3,430 |
| Core capital (leverage) ratio | 7.2609% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8896% | 2,276 |
| Memoranda: | ||
| Average total assets | $19,495,813,200 | 95 |
| Average earning assets | $19,157,053,800 | 89 |
| Average equity | $1,503,756,400 | 121 |
| Average total loans | $14,679,365,800 | 86 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0858% | 478 |
| Cost of funding earning assets | 1.7383% | 1,112 |
| Net interest margin | 4.3475% | 757 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 0.8020% | 4,541 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.6729% | 227 |
| Return on assets (ROA) | 2.6411% | 231 |
| Pretax return on assets | 3.4891% | 162 |
| Return on Equity (ROE) | 34.5000% | 167 |
| Retained earnings to average equity (ytd only) | -11.2483% | 4,510 |
| Net charge-offs to loans | 0.0067% | 2,196 |
| Credit loss provision to net charge-offs | 2,328.0679% | 208 |
| Earnings coverage of net charge-offs (x) | 713.0013% | 221 |
| Efficiency ratio | 18.1808% | 4,555 |
| Assets per employee ($millions) | 62.3038% | 27 |
| Cash dividends to net income (ytd only)* | 132.6074% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 4,064 |
| Loan loss allowance to noncurrent loans | 219.8955% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 1,948 |
| Noncurrent loans to loans | 0.3426% | 2,004 |
| Net loans and leases to total assets | 76.3000% | 1,084 |
| Net loans and leases to deposits | 83.6788% | 1,765 |
| Net loans and leases to core deposits | 83.6788% | 2,347 |
| Total domestic deposits to total assets | 91.1800% | 629 |
| Equity capital to assets | 7.6999% | 3,244 |
| Core capital (leverage) ratio | 7.6973% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7902% | 2,670 |
| Memoranda: | ||
| Average total assets | $20,176,373,000 | 94 |
| Average earning assets | $19,841,155,250 | 89 |
| Average equity | $1,544,780,250 | 118 |
| Average total loans | $15,289,498,250 | 83 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9780% | 451 |
| Cost of funding earning assets | 1.5818% | 1,104 |
| Net interest margin | 4.3962% | 713 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 0.7780% | 4,575 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.7589% | 184 |
| Return on assets (ROA) | 2.7121% | 195 |
| Pretax return on assets | 3.5823% | 136 |
| Return on Equity (ROE) | 35.4900% | 144 |
| Retained earnings to average equity (ytd only) | -13.6475% | 4,550 |
| Net charge-offs to loans | 0.0060% | 2,030 |
| Credit loss provision to net charge-offs | 1,089.4624% | 386 |
| Earnings coverage of net charge-offs (x) | 812.1204% | 181 |
| Efficiency ratio | 17.4389% | 4,584 |
| Assets per employee ($millions) | 61.3273% | 26 |
| Cash dividends to net income (ytd only)* | 138.4598% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,209 |
| Loan loss allowance to noncurrent loans | 866.4413% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,175 |
| Noncurrent loans to loans | 0.0788% | 3,122 |
| Net loans and leases to total assets | 74.3300% | 1,243 |
| Net loans and leases to deposits | 83.3383% | 1,735 |
| Net loans and leases to core deposits | 84.1990% | 2,201 |
| Total domestic deposits to total assets | 89.1900% | 1,177 |
| Equity capital to assets | 7.7887% | 3,355 |
| Core capital (leverage) ratio | 7.5411% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7478% | 2,698 |
| Memoranda: | ||
| Average total assets | $20,505,302,333 | 91 |
| Average earning assets | $20,175,611,667 | 87 |
| Average equity | $1,567,183,333 | 113 |
| Average total loans | $15,468,545,667 | 81 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 427 |
| Cost of funding earning assets | 1.3916% | 1,039 |
| Net interest margin | 4.3874% | 703 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 0.7417% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.8385% | 175 |
| Return on assets (ROA) | 2.7475% | 191 |
| Pretax return on assets | 3.6283% | 122 |
| Return on Equity (ROE) | 36.2700% | 145 |
| Retained earnings to average equity (ytd only) | -7.5262% | 4,415 |
| Net charge-offs to loans | -0.0033% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 16.5501% | 4,651 |
| Assets per employee ($millions) | 71.5673% | 26 |
| Cash dividends to net income (ytd only)* | 120.7529% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 4,345 |
| Loan loss allowance to noncurrent loans | 886.2429% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,270 |
| Noncurrent loans to loans | 0.0686% | 3,241 |
| Net loans and leases to total assets | 74.1700% | 1,183 |
| Net loans and leases to deposits | 81.3026% | 1,721 |
| Net loans and leases to core deposits | 85.9449% | 1,868 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 7.5557% | 3,532 |
| Core capital (leverage) ratio | 7.5200% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8509% | 2,770 |
| Memoranda: | ||
| Average total assets | $21,098,910,500 | 93 |
| Average earning assets | $20,771,610,500 | 86 |
| Average equity | $1,598,465,500 | 112 |
| Average total loans | $15,974,363,500 | 82 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 2,067 |
| Cost of funding earning assets | 0.4534% | 1,699 |
| Net interest margin | 3.4155% | 2,201 |
| Noninterest income to average assets | -0.0400% | 4,694 |
| Noninterest expense to average assets | 0.7372% | 4,674 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.8989% | 356 |
| Return on assets (ROA) | 1.8989% | 346 |
| Pretax return on assets | 2.5015% | 210 |
| Return on Equity (ROE) | 26.8600% | 155 |
| Retained earnings to average equity (ytd only) | 14.7078% | 317 |
| Net charge-offs to loans | 0.0259% | 1,544 |
| Credit loss provision to net charge-offs | 152.7389% | 1,288 |
| Earnings coverage of net charge-offs (x) | 129.1935% | 855 |
| Efficiency ratio | 22.0870% | 4,685 |
| Assets per employee ($millions) | 75.2788% | 25 |
| Cash dividends to net income (ytd only)* | 45.2474% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 4,362 |
| Loan loss allowance to noncurrent loans | 902.1577% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,307 |
| Noncurrent loans to loans | 0.0640% | 3,286 |
| Net loans and leases to total assets | 76.3500% | 975 |
| Net loans and leases to deposits | 84.3601% | 1,439 |
| Net loans and leases to core deposits | 86.1905% | 1,739 |
| Total domestic deposits to total assets | 90.5000% | 1,148 |
| Equity capital to assets | 7.5962% | 3,326 |
| Core capital (leverage) ratio | 7.1602% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8794% | 2,765 |
| Memoranda: | ||
| Average total assets | $20,949,661,000 | 96 |
| Average earning assets | $20,691,682,600 | 91 |
| Average equity | $1,480,937,000 | 126 |
| Average total loans | $16,309,112,400 | 78 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2998% | 3,174 |
| Cost of funding earning assets | 0.2304% | 2,923 |
| Net interest margin | 3.0694% | 3,020 |
| Noninterest income to average assets | -0.0400% | 4,728 |
| Noninterest expense to average assets | 0.7221% | 4,713 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.6131% | 639 |
| Return on assets (ROA) | 1.6131% | 619 |
| Pretax return on assets | 2.1341% | 356 |
| Return on Equity (ROE) | 23.2600% | 246 |
| Retained earnings to average equity (ytd only) | 23.2603% | 56 |
| Net charge-offs to loans | 0.0331% | 1,185 |
| Credit loss provision to net charge-offs | 142.7547% | 1,145 |
| Earnings coverage of net charge-offs (x) | 87.9696% | 1,005 |
| Efficiency ratio | 24.1195% | 4,713 |
| Assets per employee ($millions) | 84.9889% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5179% | 4,456 |
| Loan loss allowance to noncurrent loans | 838.0227% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,398 |
| Noncurrent loans to loans | 0.0618% | 3,435 |
| Net loans and leases to total assets | 78.6300% | 649 |
| Net loans and leases to deposits | 85.5579% | 1,197 |
| Net loans and leases to core deposits | 91.2370% | 1,216 |
| Total domestic deposits to total assets | 91.9000% | 914 |
| Equity capital to assets | 7.1981% | 3,405 |
| Core capital (leverage) ratio | 7.3275% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5243% | 2,940 |
| Memoranda: | ||
| Average total assets | $20,879,924,000 | 98 |
| Average earning assets | $20,638,414,750 | 93 |
| Average equity | $1,448,031,750 | 130 |
| Average total loans | $16,311,009,750 | 80 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8547% | 3,883 |
| Cost of funding earning assets | 0.0355% | 4,673 |
| Net interest margin | 2.8192% | 3,384 |
| Noninterest income to average assets | -0.0212% | 4,751 |
| Noninterest expense to average assets | 0.7317% | 4,732 |
| Loan and lease loss provision to assets | 0.1745% | 507 |
| Net operating income to assets | 1.4084% | 889 |
| Return on assets (ROA) | 1.4084% | 863 |
| Pretax return on assets | 1.8605% | 511 |
| Return on Equity (ROE) | 20.6030% | 270 |
| Retained earnings to average equity (ytd only) | 20.6030% | 66 |
| Net charge-offs to loans | 0.0005% | 2,147 |
| Credit loss provision to net charge-offs | 16,716.6667% | 30 |
| Earnings coverage of net charge-offs (x) | 5,714.6667% | 7 |
| Efficiency ratio | 26.4469% | 4,732 |
| Assets per employee ($millions) | 91.7435% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5773% | 4,484 |
| Loan loss allowance to noncurrent loans | 333.9728% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,766 |
| Noncurrent loans to loans | 0.1728% | 2,828 |
| Net loans and leases to total assets | 77.4957% | 595 |
| Net loans and leases to deposits | 83.6387% | 1,144 |
| Net loans and leases to core deposits | 83.6673% | 1,473 |
| Total domestic deposits to total assets | 92.6553% | 600 |
| Equity capital to assets | 6.8060% | 3,869 |
| Core capital (leverage) ratio | 7.0606% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6560% | 2,896 |
| Memoranda: | ||
| Average total assets | $20,219,229,000 | 99 |
| Average earning assets | $19,994,940,333 | 93 |
| Average equity | $1,382,165,667 | 137 |
| Average total loans | $15,724,914,000 | 79 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6203% | 4,090 |
| Cost of funding earning assets | 0.0123% | 4,754 |
| Net interest margin | 2.6079% | 3,639 |
| Noninterest income to average assets | 0.0149% | 4,733 |
| Noninterest expense to average assets | 0.7739% | 4,755 |
| Loan and lease loss provision to assets | 0.1384% | 582 |
| Net operating income to assets | 1.2751% | 1,060 |
| Return on assets (ROA) | 1.2751% | 1,053 |
| Pretax return on assets | 1.6823% | 707 |
| Return on Equity (ROE) | 18.6070% | 298 |
| Retained earnings to average equity (ytd only) | 18.6070% | 128 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8274% | 4,745 |
| Assets per employee ($millions) | 89.0851% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6109% | 4,503 |
| Loan loss allowance to noncurrent loans | 563.6492% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,217 |
| Noncurrent loans to loans | 0.1084% | 3,298 |
| Net loans and leases to total assets | 78.1271% | 367 |
| Net loans and leases to deposits | 84.6152% | 843 |
| Net loans and leases to core deposits | 84.6676% | 1,213 |
| Total domestic deposits to total assets | 92.3322% | 461 |
| Equity capital to assets | 6.8992% | 4,258 |
| Core capital (leverage) ratio | 7.0502% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8429% | 2,926 |
| Memoranda: | ||
| Average total assets | $19,457,243,000 | 104 |
| Average earning assets | $19,246,529,000 | 97 |
| Average equity | $1,333,324,000 | 144 |
| Average total loans | $15,113,429,500 | 83 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5174% | 4,465 |
| Cost of funding earning assets | 0.0144% | 4,787 |
| Net interest margin | 2.5030% | 4,185 |
| Noninterest income to average assets | 0.2378% | 3,953 |
| Noninterest expense to average assets | 0.8142% | 4,786 |
| Loan and lease loss provision to assets | -0.0266% | 4,256 |
| Net operating income to assets | 1.4588% | 1,112 |
| Return on assets (ROA) | 1.4591% | 1,178 |
| Pretax return on assets | 1.9186% | 697 |
| Return on Equity (ROE) | 20.8283% | 270 |
| Retained earnings to average equity (ytd only) | 6.2337% | 2,258 |
| Net charge-offs to loans | 0.0446% | 1,391 |
| Credit loss provision to net charge-offs | -38.1007% | 3,225 |
| Earnings coverage of net charge-offs (x) | 58.6820% | 1,193 |
| Efficiency ratio | 30.0905% | 4,792 |
| Assets per employee ($millions) | 85.0198% | 23 |
| Cash dividends to net income (ytd only)* | 70.0708% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6317% | 4,517 |
| Loan loss allowance to noncurrent loans | 529.4731% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,294 |
| Noncurrent loans to loans | 0.1193% | 3,336 |
| Net loans and leases to total assets | 76.2095% | 507 |
| Net loans and leases to deposits | 82.0575% | 1,063 |
| Net loans and leases to core deposits | 82.1107% | 1,453 |
| Total domestic deposits to total assets | 92.8733% | 57 |
| Equity capital to assets | 6.8035% | 4,748 |
| Core capital (leverage) ratio | 7.0809% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5069% | 2,984 |
| Memoranda: | ||
| Average total assets | $16,138,177,200 | 116 |
| Average earning assets | $15,912,671,800 | 111 |
| Average equity | $1,130,556,000 | 162 |
| Average total loans | $11,675,738,400 | 104 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5221% | 4,555 |
| Cost of funding earning assets | 0.0145% | 4,867 |
| Net interest margin | 2.5076% | 4,258 |
| Noninterest income to average assets | 0.2404% | 3,960 |
| Noninterest expense to average assets | 0.8318% | 4,864 |
| Loan and lease loss provision to assets | -0.0497% | 4,458 |
| Net operating income to assets | 1.4609% | 1,358 |
| Return on assets (ROA) | 1.4612% | 1,415 |
| Pretax return on assets | 1.9287% | 900 |
| Return on Equity (ROE) | 20.6748% | 380 |
| Retained earnings to average equity (ytd only) | 0.5051% | 4,494 |
| Net charge-offs to loans | 0.0633% | 1,008 |
| Credit loss provision to net charge-offs | -84.2368% | 3,207 |
| Earnings coverage of net charge-offs (x) | 41.8003% | 1,343 |
| Efficiency ratio | 30.6906% | 4,857 |
| Assets per employee ($millions) | 74.8587% | 24 |
| Cash dividends to net income (ytd only)* | 97.5569% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,423 |
| Loan loss allowance to noncurrent loans | 1,078.5266% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,811 |
| Noncurrent loans to loans | 0.0694% | 3,750 |
| Net loans and leases to total assets | 70.7889% | 1,014 |
| Net loans and leases to deposits | 76.8890% | 1,584 |
| Net loans and leases to core deposits | 76.9459% | 1,966 |
| Total domestic deposits to total assets | 92.0663% | 111 |
| Equity capital to assets | 6.9332% | 4,822 |
| Core capital (leverage) ratio | 7.0377% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6557% | 3,026 |
| Memoranda: | ||
| Average total assets | $15,432,868,000 | 121 |
| Average earning assets | $15,201,625,000 | 114 |
| Average equity | $1,090,719,250 | 165 |
| Average total loans | $10,959,493,000 | 110 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5246% | 4,600 |
| Cost of funding earning assets | 0.0156% | 4,906 |
| Net interest margin | 2.5090% | 4,290 |
| Noninterest income to average assets | 0.2827% | 3,730 |
| Noninterest expense to average assets | 0.7659% | 4,911 |
| Loan and lease loss provision to assets | 0.0074% | 2,764 |
| Net operating income to assets | 1.5026% | 1,280 |
| Return on assets (ROA) | 1.5031% | 1,343 |
| Pretax return on assets | 1.9864% | 860 |
| Return on Equity (ROE) | 21.1175% | 377 |
| Retained earnings to average equity (ytd only) | 7.9937% | 2,072 |
| Net charge-offs to loans | 0.0979% | 749 |
| Credit loss provision to net charge-offs | 10.6305% | 1,773 |
| Earnings coverage of net charge-offs (x) | 28.7140% | 1,330 |
| Efficiency ratio | 27.7593% | 4,908 |
| Assets per employee ($millions) | 70.4454% | 23 |
| Cash dividends to net income (ytd only)* | 62.1465% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,290 |
| Loan loss allowance to noncurrent loans | 979.1286% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 3,805 |
| Noncurrent loans to loans | 0.0865% | 3,750 |
| Net loans and leases to total assets | 71.3082% | 1,043 |
| Net loans and leases to deposits | 76.9960% | 1,730 |
| Net loans and leases to core deposits | 77.0572% | 2,130 |
| Total domestic deposits to total assets | 92.6129% | 60 |
| Equity capital to assets | 7.0329% | 4,840 |
| Core capital (leverage) ratio | 7.0489% | 4,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8312% | 2,990 |
| Memoranda: | ||
| Average total assets | $14,987,710,333 | 122 |
| Average earning assets | $14,793,257,000 | 115 |
| Average equity | $1,066,766,667 | 165 |
| Average total loans | $10,626,132,667 | 114 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5004% | 4,642 |
| Cost of funding earning assets | 0.0177% | 4,935 |
| Net interest margin | 2.4827% | 4,323 |
| Noninterest income to average assets | 0.3717% | 3,237 |
| Noninterest expense to average assets | 0.8221% | 4,936 |
| Loan and lease loss provision to assets | -0.0036% | 4,558 |
| Net operating income to assets | 1.5150% | 1,293 |
| Return on assets (ROA) | 1.5159% | 1,356 |
| Pretax return on assets | 2.0037% | 941 |
| Return on Equity (ROE) | 21.1652% | 454 |
| Retained earnings to average equity (ytd only) | 6.0017% | 2,899 |
| Net charge-offs to loans | 0.0360% | 1,115 |
| Credit loss provision to net charge-offs | -14.0257% | 2,699 |
| Earnings coverage of net charge-offs (x) | 78.8287% | 709 |
| Efficiency ratio | 29.1417% | 4,916 |
| Assets per employee ($millions) | 65.7472% | 24 |
| Cash dividends to net income (ytd only)* | 71.6435% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 4,065 |
| Loan loss allowance to noncurrent loans | 727.0110% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 3,730 |
| Noncurrent loans to loans | 0.1284% | 3,665 |
| Net loans and leases to total assets | 70.2677% | 1,252 |
| Net loans and leases to deposits | 76.0686% | 1,902 |
| Net loans and leases to core deposits | 76.1321% | 2,340 |
| Total domestic deposits to total assets | 92.3741% | 85 |
| Equity capital to assets | 7.1632% | 4,805 |
| Core capital (leverage) ratio | 7.0812% | 4,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3521% | 2,857 |
| Memoranda: | ||
| Average total assets | $14,732,567,500 | 123 |
| Average earning assets | $14,534,922,500 | 117 |
| Average equity | $1,055,168,500 | 165 |
| Average total loans | $10,366,332,500 | 118 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8558% | 4,727 |
| Cost of funding earning assets | 0.0926% | 4,876 |
| Net interest margin | 2.7632% | 4,305 |
| Noninterest income to average assets | 0.3565% | 3,338 |
| Noninterest expense to average assets | 0.9067% | 4,945 |
| Loan and lease loss provision to assets | 0.1697% | 2,263 |
| Net operating income to assets | 1.5224% | 762 |
| Return on assets (ROA) | 1.5223% | 827 |
| Pretax return on assets | 1.9917% | 461 |
| Return on Equity (ROE) | 21.3351% | 176 |
| Retained earnings to average equity (ytd only) | 3.1132% | 3,284 |
| Net charge-offs to loans | 0.0006% | 3,415 |
| Credit loss provision to net charge-offs | 41,483.0508% | 26 |
| Earnings coverage of net charge-offs (x) | 5,283.2542% | 16 |
| Efficiency ratio | 29.5502% | 4,960 |
| Assets per employee ($millions) | 69.2076% | 22 |
| Cash dividends to net income (ytd only)* | 85.4082% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,982 |
| Loan loss allowance to noncurrent loans | 725.8648% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 3,847 |
| Noncurrent loans to loans | 0.1332% | 3,745 |
| Net loans and leases to total assets | 69.1171% | 1,671 |
| Net loans and leases to deposits | 74.8349% | 2,394 |
| Net loans and leases to core deposits | 75.0365% | 2,814 |
| Total domestic deposits to total assets | 92.3595% | 43 |
| Equity capital to assets | 7.1611% | 4,899 |
| Core capital (leverage) ratio | 7.1456% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6976% | 2,731 |
| Memoranda: | ||
| Average total assets | $14,420,916,800 | 120 |
| Average earning assets | $14,152,328,800 | 113 |
| Average equity | $1,028,980,600 | 162 |
| Average total loans | $9,705,487,000 | 120 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9643% | 4,757 |
| Cost of funding earning assets | 0.1171% | 4,887 |
| Net interest margin | 2.8472% | 4,268 |
| Noninterest income to average assets | 0.3496% | 3,370 |
| Noninterest expense to average assets | 0.8883% | 4,990 |
| Loan and lease loss provision to assets | 0.2328% | 1,744 |
| Net operating income to assets | 1.5318% | 846 |
| Return on assets (ROA) | 1.5317% | 924 |
| Pretax return on assets | 2.0184% | 500 |
| Return on Equity (ROE) | 21.4867% | 192 |
| Retained earnings to average equity (ytd only) | 4.8783% | 2,615 |
| Net charge-offs to loans | 0.0008% | 3,213 |
| Credit loss provision to net charge-offs | 42,493.2203% | 27 |
| Earnings coverage of net charge-offs (x) | 4,109.1864% | 14 |
| Efficiency ratio | 28.2924% | 4,997 |
| Assets per employee ($millions) | 69.1533% | 22 |
| Cash dividends to net income (ytd only)* | 77.2962% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,637 |
| Loan loss allowance to noncurrent loans | 690.0748% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 3,919 |
| Noncurrent loans to loans | 0.1471% | 3,796 |
| Net loans and leases to total assets | 68.5393% | 2,168 |
| Net loans and leases to deposits | 74.5395% | 2,910 |
| Net loans and leases to core deposits | 74.7482% | 3,260 |
| Total domestic deposits to total assets | 91.9503% | 57 |
| Equity capital to assets | 7.3830% | 4,882 |
| Core capital (leverage) ratio | 7.1547% | 4,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9677% | 2,625 |
| Memoranda: | ||
| Average total assets | $14,358,143,500 | 120 |
| Average earning assets | $14,069,383,500 | 112 |
| Average equity | $1,023,555,000 | 161 |
| Average total loans | $9,571,881,750 | 123 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1635% | 4,742 |
| Cost of funding earning assets | 0.1568% | 4,864 |
| Net interest margin | 3.0067% | 4,114 |
| Noninterest income to average assets | 0.3347% | 3,466 |
| Noninterest expense to average assets | 0.9120% | 5,020 |
| Loan and lease loss provision to assets | 0.4047% | 995 |
| Net operating income to assets | 1.4857% | 948 |
| Return on assets (ROA) | 1.4854% | 1,030 |
| Pretax return on assets | 1.9575% | 596 |
| Return on Equity (ROE) | 21.0832% | 197 |
| Retained earnings to average equity (ytd only) | 11.7315% | 493 |
| Net charge-offs to loans | 0.0031% | 2,887 |
| Credit loss provision to net charge-offs | 19,847.6190% | 59 |
| Earnings coverage of net charge-offs (x) | 1,158.6531% | 74 |
| Efficiency ratio | 27.8520% | 5,028 |
| Assets per employee ($millions) | 72.0912% | 20 |
| Cash dividends to net income (ytd only)* | 44.3560% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,267 |
| Loan loss allowance to noncurrent loans | 714.0397% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,016 |
| Noncurrent loans to loans | 0.1489% | 3,859 |
| Net loans and leases to total assets | 67.9039% | 2,373 |
| Net loans and leases to deposits | 75.8070% | 2,895 |
| Net loans and leases to core deposits | 76.1514% | 3,270 |
| Total domestic deposits to total assets | 89.5747% | 544 |
| Equity capital to assets | 7.4485% | 4,890 |
| Core capital (leverage) ratio | 7.1594% | 4,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9216% | 2,214 |
| Memoranda: | ||
| Average total assets | $14,418,719,000 | 117 |
| Average earning assets | $14,098,113,000 | 108 |
| Average equity | $1,015,860,333 | 164 |
| Average total loans | $9,490,494,667 | 122 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 4,705 |
| Cost of funding earning assets | 0.2604% | 4,750 |
| Net interest margin | 3.1716% | 3,929 |
| Noninterest income to average assets | 0.3727% | 3,281 |
| Noninterest expense to average assets | 0.8011% | 5,077 |
| Loan and lease loss provision to assets | 0.5666% | 500 |
| Net operating income to assets | 1.5984% | 628 |
| Return on assets (ROA) | 1.5924% | 699 |
| Pretax return on assets | 2.0912% | 375 |
| Return on Equity (ROE) | 23.2523% | 93 |
| Retained earnings to average equity (ytd only) | 19.2317% | 74 |
| Net charge-offs to loans | -0.0001% | 3,579 |
| Credit loss provision to net charge-offs | -1,028,950.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1103% | 5,086 |
| Assets per employee ($millions) | 77.2514% | 20 |
| Cash dividends to net income (ytd only)* | 17.2912% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,826 |
| Loan loss allowance to noncurrent loans | 663.3823% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,134 |
| Noncurrent loans to loans | 0.1469% | 3,934 |
| Net loans and leases to total assets | 64.9065% | 2,952 |
| Net loans and leases to deposits | 71.2833% | 3,498 |
| Net loans and leases to core deposits | 74.7469% | 3,586 |
| Total domestic deposits to total assets | 91.0543% | 103 |
| Equity capital to assets | 6.5881% | 5,085 |
| Core capital (leverage) ratio | 7.1311% | 5,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9919% | 2,702 |
| Memoranda: | ||
| Average total assets | $14,527,095,500 | 114 |
| Average earning assets | $14,170,909,000 | 108 |
| Average equity | $994,876,000 | 166 |
| Average total loans | $9,362,075,500 | 119 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 4,580 |
| Cost of funding earning assets | 0.6095% | 3,600 |
| Net interest margin | 3.1770% | 4,237 |
| Noninterest income to average assets | 0.1000% | 4,928 |
| Noninterest expense to average assets | 0.7342% | 5,146 |
| Loan and lease loss provision to assets | 0.0591% | 2,854 |
| Net operating income to assets | 1.7682% | 564 |
| Return on assets (ROA) | 1.7560% | 618 |
| Pretax return on assets | 2.3584% | 268 |
| Return on Equity (ROE) | 24.1706% | 93 |
| Retained earnings to average equity (ytd only) | -15.5948% | 5,118 |
| Net charge-offs to loans | 0.0006% | 3,709 |
| Credit loss provision to net charge-offs | 16,409.4340% | 21 |
| Earnings coverage of net charge-offs (x) | 6,745.1132% | 4 |
| Efficiency ratio | 23.2016% | 5,155 |
| Assets per employee ($millions) | 77.7180% | 17 |
| Cash dividends to net income (ytd only)* | 164.5195% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,229 |
| Loan loss allowance to noncurrent loans | 645.1500% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,108 |
| Noncurrent loans to loans | 0.1624% | 3,883 |
| Net loans and leases to total assets | 62.6238% | 3,344 |
| Net loans and leases to deposits | 69.5994% | 3,703 |
| Net loans and leases to core deposits | 76.8209% | 3,527 |
| Total domestic deposits to total assets | 89.9775% | 325 |
| Equity capital to assets | 7.1228% | 5,132 |
| Core capital (leverage) ratio | 7.1220% | 5,134 |
| Tier 1 risk-based capital ratio | 12.1032% | 4,303 |
| Total risk-based capital ratio | 13.2555% | 4,232 |
| Memoranda: | ||
| Average total assets | $14,711,063,800 | 105 |
| Average earning assets | $14,188,907,200 | 101 |
| Average equity | $1,068,769,200 | 154 |
| Average total loans | $8,242,417,600 | 129 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,568 |
| Cost of funding earning assets | 0.6949% | 3,244 |
| Net interest margin | 3.1828% | 4,335 |
| Noninterest income to average assets | 0.0815% | 5,043 |
| Noninterest expense to average assets | 0.6845% | 5,232 |
| Loan and lease loss provision to assets | 0.0356% | 3,177 |
| Net operating income to assets | 1.8104% | 600 |
| Return on assets (ROA) | 1.7941% | 657 |
| Pretax return on assets | 2.4120% | 298 |
| Return on Equity (ROE) | 24.5801% | 101 |
| Retained earnings to average equity (ytd only) | -15.3911% | 5,183 |
| Net charge-offs to loans | 0.0009% | 3,427 |
| Credit loss provision to net charge-offs | 7,342.5926% | 54 |
| Earnings coverage of net charge-offs (x) | 5,083.8174% | 4 |
| Efficiency ratio | 21.7378% | 5,234 |
| Assets per employee ($millions) | 78.0969% | 17 |
| Cash dividends to net income (ytd only)* | 162.6163% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,218 |
| Loan loss allowance to noncurrent loans | 555.9815% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 4,135 |
| Noncurrent loans to loans | 0.1912% | 3,852 |
| Net loans and leases to total assets | 59.6322% | 3,708 |
| Net loans and leases to deposits | 66.6302% | 4,017 |
| Net loans and leases to core deposits | 74.0887% | 3,822 |
| Total domestic deposits to total assets | 89.4973% | 447 |
| Equity capital to assets | 7.5324% | 5,189 |
| Core capital (leverage) ratio | 7.2972% | 5,205 |
| Tier 1 risk-based capital ratio | 13.1458% | 3,763 |
| Total risk-based capital ratio | 14.2874% | 3,727 |
| Memoranda: | ||
| Average total assets | $14,852,660,750 | 103 |
| Average earning assets | $14,314,398,000 | 99 |
| Average equity | $1,084,086,250 | 154 |
| Average total loans | $8,065,094,500 | 131 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 4,541 |
| Cost of funding earning assets | 0.7369% | 2,964 |
| Net interest margin | 3.1713% | 4,416 |
| Noninterest income to average assets | 0.0606% | 5,137 |
| Noninterest expense to average assets | 0.6617% | 5,282 |
| Loan and lease loss provision to assets | 0.0522% | 2,774 |
| Net operating income to assets | 1.7905% | 612 |
| Return on assets (ROA) | 1.7754% | 646 |
| Pretax return on assets | 2.3833% | 297 |
| Return on Equity (ROE) | 24.5648% | 104 |
| Retained earnings to average equity (ytd only) | -16.4781% | 5,233 |
| Net charge-offs to loans | 0.0014% | 3,128 |
| Credit loss provision to net charge-offs | 7,064.2857% | 45 |
| Earnings coverage of net charge-offs (x) | 3,320.1964% | 8 |
| Efficiency ratio | 21.2551% | 5,278 |
| Assets per employee ($millions) | 83.1964% | 17 |
| Cash dividends to net income (ytd only)* | 167.0800% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,145 |
| Loan loss allowance to noncurrent loans | 579.2778% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,226 |
| Noncurrent loans to loans | 0.1873% | 3,881 |
| Net loans and leases to total assets | 56.0589% | 4,079 |
| Net loans and leases to deposits | 63.0073% | 4,273 |
| Net loans and leases to core deposits | 75.7615% | 3,753 |
| Total domestic deposits to total assets | 88.9721% | 675 |
| Equity capital to assets | 7.3889% | 5,246 |
| Core capital (leverage) ratio | 7.1576% | 5,259 |
| Tier 1 risk-based capital ratio | 13.4079% | 3,625 |
| Total risk-based capital ratio | 14.5341% | 3,601 |
| Memoranda: | ||
| Average total assets | $15,169,797,670 | 104 |
| Average earning assets | $14,600,809,330 | 98 |
| Average equity | $1,096,413,670 | 152 |
| Average total loans | $7,960,568,330 | 132 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 4,555 |
| Cost of funding earning assets | 0.6938% | 3,091 |
| Net interest margin | 3.2033% | 4,378 |
| Noninterest income to average assets | 0.0577% | 5,190 |
| Noninterest expense to average assets | 0.5771% | 5,348 |
| Loan and lease loss provision to assets | 0.0546% | 2,575 |
| Net operating income to assets | 1.8763% | 477 |
| Return on assets (ROA) | 1.8703% | 504 |
| Pretax return on assets | 2.5077% | 243 |
| Return on Equity (ROE) | 26.1490% | 88 |
| Retained earnings to average equity (ytd only) | -18.9038% | 5,249 |
| Net charge-offs to loans | 0.0006% | 2,736 |
| Credit loss provision to net charge-offs | 19,245.4545% | 4 |
| Earnings coverage of net charge-offs (x) | 9,056.8182% | 3 |
| Efficiency ratio | 18.3469% | 5,344 |
| Assets per employee ($millions) | 87.7825% | 18 |
| Cash dividends to net income (ytd only)* | 172.2926% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,132 |
| Loan loss allowance to noncurrent loans | 570.1653% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,303 |
| Noncurrent loans to loans | 0.1928% | 3,894 |
| Net loans and leases to total assets | 52.6024% | 4,295 |
| Net loans and leases to deposits | 59.0896% | 4,459 |
| Net loans and leases to core deposits | 66.4834% | 4,261 |
| Total domestic deposits to total assets | 89.0213% | 849 |
| Equity capital to assets | 7.3318% | 5,282 |
| Core capital (leverage) ratio | 7.0989% | 5,313 |
| Tier 1 risk-based capital ratio | 13.7874% | 3,456 |
| Total risk-based capital ratio | 14.8826% | 3,445 |
| Memoranda: | ||
| Average total assets | $15,516,607,500 | 101 |
| Average earning assets | $14,956,104,000 | 98 |
| Average equity | $1,109,807,500 | 152 |
| Average total loans | $7,838,738,500 | 134 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 4,842 |
| Cost of funding earning assets | 0.6184% | 2,597 |
| Net interest margin | 2.9452% | 4,859 |
| Noninterest income to average assets | 0.1528% | 4,952 |
| Noninterest expense to average assets | 0.5564% | 5,388 |
| Loan and lease loss provision to assets | 0.1069% | 2,057 |
| Net operating income to assets | 1.7747% | 590 |
| Return on assets (ROA) | 1.7552% | 603 |
| Pretax return on assets | 2.3417% | 278 |
| Return on Equity (ROE) | 25.3545% | 88 |
| Retained earnings to average equity (ytd only) | 8.9017% | 900 |
| Net charge-offs to loans | 0.0001% | 3,780 |
| Credit loss provision to net charge-offs | 211,275.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 48,860.3750% | 2 |
| Efficiency ratio | 18.3659% | 5,387 |
| Assets per employee ($millions) | 91.5352% | 17 |
| Cash dividends to net income (ytd only)* | 64.8911% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,098 |
| Loan loss allowance to noncurrent loans | 560.0618% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,248 |
| Noncurrent loans to loans | 0.1964% | 3,874 |
| Net loans and leases to total assets | 47.5180% | 4,671 |
| Net loans and leases to deposits | 53.8305% | 4,758 |
| Net loans and leases to core deposits | 61.6423% | 4,556 |
| Total domestic deposits to total assets | 88.2734% | 1,169 |
| Equity capital to assets | 6.9862% | 5,334 |
| Core capital (leverage) ratio | 7.1480% | 5,351 |
| Tier 1 risk-based capital ratio | 14.5515% | 3,040 |
| Total risk-based capital ratio | 15.6080% | 3,053 |
| Memoranda: | ||
| Average total assets | $15,804,150,400 | 100 |
| Average earning assets | $15,438,171,400 | 94 |
| Average equity | $1,094,038,200 | 153 |
| Average total loans | $7,708,105,000 | 131 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 4,971 |
| Cost of funding earning assets | 0.5186% | 3,074 |
| Net interest margin | 2.9379% | 4,925 |
| Noninterest income to average assets | 0.0807% | 5,271 |
| Noninterest expense to average assets | 0.5581% | 5,456 |
| Loan and lease loss provision to assets | 0.1057% | 1,897 |
| Net operating income to assets | 1.7139% | 720 |
| Return on assets (ROA) | 1.7109% | 729 |
| Pretax return on assets | 2.2889% | 350 |
| Return on Equity (ROE) | 24.7736% | 91 |
| Retained earnings to average equity (ytd only) | 9.4296% | 1,064 |
| Net charge-offs to loans | 0.0002% | 3,486 |
| Credit loss provision to net charge-offs | 124,700.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 28,298.1673% | 2 |
| Efficiency ratio | 18.8775% | 5,458 |
| Assets per employee ($millions) | 91.2112% | 16 |
| Cash dividends to net income (ytd only)* | 61.9370% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,791 |
| Loan loss allowance to noncurrent loans | 539.5828% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,405 |
| Noncurrent loans to loans | 0.1847% | 4,059 |
| Net loans and leases to total assets | 48.8241% | 4,674 |
| Net loans and leases to deposits | 57.2346% | 4,688 |
| Net loans and leases to core deposits | 67.2132% | 4,338 |
| Total domestic deposits to total assets | 85.3051% | 2,484 |
| Equity capital to assets | 6.7966% | 5,411 |
| Core capital (leverage) ratio | 7.0136% | 5,428 |
| Tier 1 risk-based capital ratio | 14.2292% | 3,254 |
| Total risk-based capital ratio | 15.2339% | 3,291 |
| Memoranda: | ||
| Average total assets | $15,727,641,000 | 99 |
| Average earning assets | $15,395,640,500 | 94 |
| Average equity | $1,086,174,000 | 152 |
| Average total loans | $7,700,038,250 | 127 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,096 |
| Cost of funding earning assets | 0.3967% | 3,743 |
| Net interest margin | 2.9485% | 4,947 |
| Noninterest income to average assets | 0.0799% | 5,325 |
| Noninterest expense to average assets | 0.5545% | 5,522 |
| Loan and lease loss provision to assets | 0.0716% | 2,457 |
| Net operating income to assets | 1.7540% | 647 |
| Return on assets (ROA) | 1.7540% | 650 |
| Pretax return on assets | 2.3480% | 304 |
| Return on Equity (ROE) | 25.2564% | 79 |
| Retained earnings to average equity (ytd only) | 8.5320% | 1,393 |
| Net charge-offs to loans | 0.0003% | 3,203 |
| Credit loss provision to net charge-offs | 50,418.1818% | 4 |
| Earnings coverage of net charge-offs (x) | 17,044.0909% | 2 |
| Efficiency ratio | 18.6450% | 5,523 |
| Assets per employee ($millions) | 87.1930% | 17 |
| Cash dividends to net income (ytd only)* | 66.2183% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 4,025 |
| Loan loss allowance to noncurrent loans | 487.0989% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,404 |
| Noncurrent loans to loans | 0.1985% | 4,015 |
| Net loans and leases to total assets | 47.6269% | 4,741 |
| Net loans and leases to deposits | 54.3362% | 4,830 |
| Net loans and leases to core deposits | 61.2921% | 4,642 |
| Total domestic deposits to total assets | 87.6522% | 1,561 |
| Equity capital to assets | 6.8663% | 5,462 |
| Core capital (leverage) ratio | 7.1639% | 5,473 |
| Tier 1 risk-based capital ratio | 14.4427% | 3,144 |
| Total risk-based capital ratio | 15.4010% | 3,203 |
| Memoranda: | ||
| Average total assets | $15,497,515,670 | 100 |
| Average earning assets | $15,211,794,670 | 94 |
| Average equity | $1,076,275,670 | 152 |
| Average total loans | $7,567,836,330 | 129 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2199% | 5,215 |
| Cost of funding earning assets | 0.3076% | 4,296 |
| Net interest margin | 2.9123% | 5,008 |
| Noninterest income to average assets | 0.0627% | 5,445 |
| Noninterest expense to average assets | 0.5744% | 5,589 |
| Loan and lease loss provision to assets | 0.0456% | 2,854 |
| Net operating income to assets | 1.7205% | 661 |
| Return on assets (ROA) | 1.7205% | 670 |
| Pretax return on assets | 2.3015% | 318 |
| Return on Equity (ROE) | 24.6297% | 90 |
| Retained earnings to average equity (ytd only) | 9.6709% | 1,264 |
| Net charge-offs to loans | 0.0007% | 2,705 |
| Credit loss provision to net charge-offs | 13,415.3846% | 19 |
| Earnings coverage of net charge-offs (x) | 6,910.9231% | 5 |
| Efficiency ratio | 19.6613% | 5,591 |
| Assets per employee ($millions) | 84.2686% | 19 |
| Cash dividends to net income (ytd only)* | 60.7349% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 4,330 |
| Loan loss allowance to noncurrent loans | 464.6832% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,377 |
| Noncurrent loans to loans | 0.1992% | 4,074 |
| Net loans and leases to total assets | 48.8323% | 4,644 |
| Net loans and leases to deposits | 56.0941% | 4,683 |
| Net loans and leases to core deposits | 57.4677% | 4,775 |
| Total domestic deposits to total assets | 87.0543% | 2,101 |
| Equity capital to assets | 7.0465% | 5,506 |
| Core capital (leverage) ratio | 7.1700% | 5,535 |
| Tier 1 risk-based capital ratio | 14.6221% | 3,063 |
| Total risk-based capital ratio | 15.5592% | 3,139 |
| Memoranda: | ||
| Average total assets | $15,311,713,000 | 100 |
| Average earning assets | $15,030,192,000 | 96 |
| Average equity | $1,069,601,500 | 151 |
| Average total loans | $7,535,883,500 | 128 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9240% | 5,400 |
| Cost of funding earning assets | 0.1569% | 5,222 |
| Net interest margin | 2.7671% | 5,211 |
| Noninterest income to average assets | 0.0912% | 5,434 |
| Noninterest expense to average assets | 0.5208% | 5,649 |
| Loan and lease loss provision to assets | 0.1899% | 1,111 |
| Net operating income to assets | 1.2944% | 1,237 |
| Return on assets (ROA) | 1.2962% | 1,247 |
| Pretax return on assets | 2.0958% | 399 |
| Return on Equity (ROE) | 18.5289% | 269 |
| Retained earnings to average equity (ytd only) | 12.4460% | 158 |
| Net charge-offs to loans | 0.0659% | 2,531 |
| Credit loss provision to net charge-offs | 600.6954% | 538 |
| Earnings coverage of net charge-offs (x) | 72.2003% | 833 |
| Efficiency ratio | 18.5760% | 5,651 |
| Assets per employee ($millions) | 85.3997% | 18 |
| Cash dividends to net income (ytd only)* | 32.8294% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,435 |
| Loan loss allowance to noncurrent loans | 336.7930% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,242 |
| Noncurrent loans to loans | 0.2697% | 3,819 |
| Net loans and leases to total assets | 48.6977% | 4,722 |
| Net loans and leases to deposits | 55.4461% | 4,828 |
| Net loans and leases to core deposits | 342.5579% | 21 |
| Total domestic deposits to total assets | 87.8289% | 1,594 |
| Equity capital to assets | 6.9243% | 5,588 |
| Core capital (leverage) ratio | 7.0902% | 5,594 |
| Tier 1 risk-based capital ratio | 14.3400% | 3,180 |
| Total risk-based capital ratio | 15.2665% | 3,258 |
| Memoranda: | ||
| Average total assets | $14,099,397,600 | 101 |
| Average earning assets | $13,820,830,000 | 96 |
| Average equity | $986,366,000 | 149 |
| Average total loans | $6,768,041,400 | 131 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8733% | 5,490 |
| Cost of funding earning assets | 0.1452% | 5,341 |
| Net interest margin | 2.7280% | 5,298 |
| Noninterest income to average assets | 0.0925% | 5,500 |
| Noninterest expense to average assets | 0.4798% | 5,720 |
| Loan and lease loss provision to assets | 0.2060% | 916 |
| Net operating income to assets | 1.2883% | 1,380 |
| Return on assets (ROA) | 1.2908% | 1,401 |
| Pretax return on assets | 2.0839% | 462 |
| Return on Equity (ROE) | 18.3994% | 305 |
| Retained earnings to average equity (ytd only) | 10.1380% | 556 |
| Net charge-offs to loans | 0.0882% | 1,916 |
| Credit loss provision to net charge-offs | 489.7819% | 658 |
| Earnings coverage of net charge-offs (x) | 54.3415% | 1,061 |
| Efficiency ratio | 17.3485% | 5,722 |
| Assets per employee ($millions) | 84.8867% | 19 |
| Cash dividends to net income (ytd only)* | 44.9004% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 4,696 |
| Loan loss allowance to noncurrent loans | 419.0486% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,529 |
| Noncurrent loans to loans | 0.2073% | 4,249 |
| Net loans and leases to total assets | 48.5841% | 4,793 |
| Net loans and leases to deposits | 55.6479% | 4,886 |
| Net loans and leases to core deposits | 346.3660% | 21 |
| Total domestic deposits to total assets | 87.3062% | 1,725 |
| Equity capital to assets | 6.9007% | 5,667 |
| Core capital (leverage) ratio | 7.0988% | 5,665 |
| Tier 1 risk-based capital ratio | 14.3958% | 3,241 |
| Total risk-based capital ratio | 15.2947% | 3,335 |
| Memoranda: | ||
| Average total assets | $13,802,609,750 | 102 |
| Average earning assets | $13,525,978,250 | 95 |
| Average equity | $968,335,250 | 153 |
| Average total loans | $6,581,941,250 | 134 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8233% | 5,548 |
| Cost of funding earning assets | 0.1293% | 5,449 |
| Net interest margin | 2.6940% | 5,366 |
| Noninterest income to average assets | 0.0931% | 5,545 |
| Noninterest expense to average assets | 0.4742% | 5,773 |
| Loan and lease loss provision to assets | 0.1988% | 931 |
| Net operating income to assets | 1.2745% | 1,365 |
| Return on assets (ROA) | 1.2783% | 1,384 |
| Pretax return on assets | 2.0625% | 480 |
| Return on Equity (ROE) | 18.1128% | 325 |
| Retained earnings to average equity (ytd only) | 5.4993% | 2,405 |
| Net charge-offs to loans | 0.0928% | 1,692 |
| Credit loss provision to net charge-offs | 453.9817% | 714 |
| Earnings coverage of net charge-offs (x) | 51.5117% | 1,053 |
| Efficiency ratio | 17.3741% | 5,771 |
| Assets per employee ($millions) | 79.1284% | 19 |
| Cash dividends to net income (ytd only)* | 69.6387% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,807 |
| Loan loss allowance to noncurrent loans | 198.1265% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 4,113 |
| Noncurrent loans to loans | 0.4299% | 3,474 |
| Net loans and leases to total assets | 47.1110% | 4,876 |
| Net loans and leases to deposits | 54.4137% | 4,941 |
| Net loans and leases to core deposits | 348.6739% | 22 |
| Total domestic deposits to total assets | 86.5793% | 2,139 |
| Equity capital to assets | 7.0270% | 5,705 |
| Core capital (leverage) ratio | 7.1920% | 5,694 |
| Tier 1 risk-based capital ratio | 14.8504% | 2,989 |
| Total risk-based capital ratio | 15.7115% | 3,109 |
| Memoranda: | ||
| Average total assets | $13,480,052,670 | 105 |
| Average earning assets | $13,192,403,000 | 97 |
| Average equity | $951,361,330 | 154 |
| Average total loans | $6,362,956,330 | 134 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7471% | 5,624 |
| Cost of funding earning assets | 0.1131% | 5,599 |
| Net interest margin | 2.6340% | 5,448 |
| Noninterest income to average assets | 0.0890% | 5,620 |
| Noninterest expense to average assets | 0.3907% | 5,844 |
| Loan and lease loss provision to assets | 0.1851% | 917 |
| Net operating income to assets | 1.3000% | 1,243 |
| Return on assets (ROA) | 1.3000% | 1,277 |
| Pretax return on assets | 2.0945% | 415 |
| Return on Equity (ROE) | 18.3776% | 317 |
| Retained earnings to average equity (ytd only) | -7.2162% | 5,498 |
| Net charge-offs to loans | -0.0001% | 3,952 |
| Credit loss provision to net charge-offs | -613,400.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.6308% | 5,843 |
| Assets per employee ($millions) | 76.6904% | 20 |
| Cash dividends to net income (ytd only)* | 139.2661% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 5,028 |
| Loan loss allowance to noncurrent loans | 185.6720% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,404 |
| Noncurrent loans to loans | 0.4389% | 3,523 |
| Net loans and leases to total assets | 46.9418% | 4,895 |
| Net loans and leases to deposits | 54.1229% | 4,927 |
| Net loans and leases to core deposits | 299.3437% | 26 |
| Total domestic deposits to total assets | 86.7319% | 2,344 |
| Equity capital to assets | 6.9043% | 5,766 |
| Core capital (leverage) ratio | 7.1600% | 5,756 |
| Tier 1 risk-based capital ratio | 15.3780% | 2,805 |
| Total risk-based capital ratio | 16.2399% | 2,896 |
| Memoranda: | ||
| Average total assets | $13,256,778,500 | 105 |
| Average earning assets | $12,991,406,000 | 98 |
| Average equity | $937,729,000 | 155 |
| Average total loans | $6,235,770,000 | 136 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5315% | 5,749 |
| Cost of funding earning assets | 0.1539% | 5,400 |
| Net interest margin | 2.3776% | 5,663 |
| Noninterest income to average assets | 0.1551% | 5,434 |
| Noninterest expense to average assets | 0.3484% | 5,900 |
| Loan and lease loss provision to assets | 0.1590% | 1,557 |
| Net operating income to assets | 1.2309% | 1,406 |
| Return on assets (ROA) | 1.2309% | 1,498 |
| Pretax return on assets | 1.9742% | 532 |
| Return on Equity (ROE) | 18.5300% | 289 |
| Retained earnings to average equity (ytd only) | 18.5300% | 62 |
| Net charge-offs to loans | 0.0061% | 4,045 |
| Credit loss provision to net charge-offs | 5,533.2155% | 83 |
| Earnings coverage of net charge-offs (x) | 742.2862% | 104 |
| Efficiency ratio | 14.0377% | 5,903 |
| Assets per employee ($millions) | 76.1172% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 5,228 |
| Loan loss allowance to noncurrent loans | 170.4718% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,491 |
| Noncurrent loans to loans | 0.4428% | 3,558 |
| Net loans and leases to total assets | 46.3857% | 4,992 |
| Net loans and leases to deposits | 52.3423% | 5,101 |
| Net loans and leases to core deposits | 224.9427% | 35 |
| Total domestic deposits to total assets | 88.6200% | 1,311 |
| Equity capital to assets | 7.2491% | 5,766 |
| Core capital (leverage) ratio | 7.0814% | 5,803 |
| Tier 1 risk-based capital ratio | 16.0413% | 2,526 |
| Total risk-based capital ratio | 16.8202% | 2,649 |
| Memoranda: | ||
| Average total assets | $9,847,388,400 | 117 |
| Average earning assets | $9,635,843,800 | 110 |
| Average equity | $654,132,600 | 185 |
| Average total loans | $4,672,952,200 | 171 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5020% | 5,824 |
| Cost of funding earning assets | 0.1702% | 5,348 |
| Net interest margin | 2.3317% | 5,763 |
| Noninterest income to average assets | 0.1440% | 5,540 |
| Noninterest expense to average assets | 0.3436% | 5,969 |
| Loan and lease loss provision to assets | 0.1420% | 1,649 |
| Net operating income to assets | 1.2144% | 1,589 |
| Return on assets (ROA) | 1.2144% | 1,690 |
| Pretax return on assets | 1.9379% | 650 |
| Return on Equity (ROE) | 18.9011% | 300 |
| Retained earnings to average equity (ytd only) | 18.9011% | 69 |
| Net charge-offs to loans | 0.0088% | 3,621 |
| Credit loss provision to net charge-offs | 3,372.3776% | 155 |
| Earnings coverage of net charge-offs (x) | 493.9070% | 179 |
| Efficiency ratio | 14.1786% | 5,971 |
| Assets per employee ($millions) | 65.1659% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 5,337 |
| Loan loss allowance to noncurrent loans | 141.6924% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 4,434 |
| Noncurrent loans to loans | 0.5211% | 3,434 |
| Net loans and leases to total assets | 47.8556% | 4,967 |
| Net loans and leases to deposits | 54.2320% | 5,096 |
| Net loans and leases to core deposits | 326.9666% | 25 |
| Total domestic deposits to total assets | 88.2424% | 1,272 |
| Equity capital to assets | 6.6052% | 5,915 |
| Core capital (leverage) ratio | 7.4863% | 5,832 |
| Tier 1 risk-based capital ratio | 13.7218% | 3,727 |
| Total risk-based capital ratio | 14.4598% | 3,935 |
| Memoranda: | ||
| Average total assets | $9,055,223,250 | 130 |
| Average earning assets | $8,852,312,250 | 115 |
| Average equity | $581,779,500 | 195 |
| Average total loans | $4,320,313,500 | 179 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5385% | 5,890 |
| Cost of funding earning assets | 0.1841% | 5,286 |
| Net interest margin | 2.3544% | 5,832 |
| Noninterest income to average assets | 0.1488% | 5,558 |
| Noninterest expense to average assets | 0.3382% | 6,047 |
| Loan and lease loss provision to assets | 0.1459% | 1,571 |
| Net operating income to assets | 1.2236% | 1,522 |
| Return on assets (ROA) | 1.2236% | 1,618 |
| Pretax return on assets | 1.9643% | 611 |
| Return on Equity (ROE) | 19.2879% | 280 |
| Retained earnings to average equity (ytd only) | 19.2879% | 68 |
| Net charge-offs to loans | 0.0002% | 3,688 |
| Credit loss provision to net charge-offs | 202,766.6667% | 1 |
| Earnings coverage of net charge-offs (x) | 29,323.6667% | 1 |
| Efficiency ratio | 13.8131% | 6,047 |
| Assets per employee ($millions) | 58.2072% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 5,300 |
| Loan loss allowance to noncurrent loans | 104.8827% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,010 |
| Noncurrent loans to loans | 0.7550% | 2,854 |
| Net loans and leases to total assets | 48.6619% | 4,933 |
| Net loans and leases to deposits | 58.1807% | 4,890 |
| Net loans and leases to core deposits | 604.5985% | 16 |
| Total domestic deposits to total assets | 83.6391% | 3,404 |
| Equity capital to assets | 6.5043% | 5,990 |
| Core capital (leverage) ratio | 7.3607% | 5,906 |
| Tier 1 risk-based capital ratio | 13.7069% | 3,767 |
| Total risk-based capital ratio | 14.5097% | 3,956 |
| Memoranda: | ||
| Average total assets | $8,337,454,670 | 138 |
| Average earning assets | $8,143,944,000 | 128 |
| Average equity | $528,923,000 | 207 |
| Average total loans | $3,959,148,670 | 188 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5925% | 5,934 |
| Cost of funding earning assets | 0.1494% | 5,615 |
| Net interest margin | 2.4430% | 5,850 |
| Noninterest income to average assets | 0.1574% | 5,549 |
| Noninterest expense to average assets | 0.3186% | 6,110 |
| Loan and lease loss provision to assets | 0.2187% | 880 |
| Net operating income to assets | 1.2500% | 1,406 |
| Return on assets (ROA) | 1.2500% | 1,505 |
| Pretax return on assets | 2.0069% | 557 |
| Return on Equity (ROE) | 20.0098% | 246 |
| Retained earnings to average equity (ytd only) | 20.0098% | 96 |
| Net charge-offs to loans | -0.0004% | 4,063 |
| Credit loss provision to net charge-offs | -106,475.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.5230% | 6,111 |
| Assets per employee ($millions) | 53.2628% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 4,977 |
| Loan loss allowance to noncurrent loans | 152.2660% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 4,455 |
| Noncurrent loans to loans | 0.6060% | 3,360 |
| Net loans and leases to total assets | 44.9779% | 5,190 |
| Net loans and leases to deposits | 51.7468% | 5,240 |
| Net loans and leases to core deposits | 458.8842% | 18 |
| Total domestic deposits to total assets | 86.9191% | 2,244 |
| Equity capital to assets | 6.3970% | 6,050 |
| Core capital (leverage) ratio | 7.2227% | 5,970 |
| Tier 1 risk-based capital ratio | 14.0398% | 3,665 |
| Total risk-based capital ratio | 14.9244% | 3,813 |
| Memoranda: | ||
| Average total assets | $7,791,402,000 | 148 |
| Average earning assets | $7,612,002,500 | 137 |
| Average equity | $486,722,000 | 225 |
| Average total loans | $3,626,111,000 | 196 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 5,967 |
| Cost of funding earning assets | 0.1613% | 5,598 |
| Net interest margin | 2.4246% | 5,878 |
| Noninterest income to average assets | 0.4970% | 3,351 |
| Noninterest expense to average assets | 0.4628% | 6,160 |
| Loan and lease loss provision to assets | 0.1806% | 1,253 |
| Net operating income to assets | 1.3724% | 1,095 |
| Return on assets (ROA) | 1.4096% | 1,061 |
| Pretax return on assets | 2.2711% | 303 |
| Return on Equity (ROE) | 19.0456% | 304 |
| Retained earnings to average equity (ytd only) | -9.5063% | 6,029 |
| Net charge-offs to loans | 0.0005% | 4,458 |
| Credit loss provision to net charge-offs | 75,584.6154% | 1 |
| Earnings coverage of net charge-offs (x) | 10,020.6154% | 2 |
| Efficiency ratio | 15.6928% | 6,170 |
| Assets per employee ($millions) | 45.7472% | 24 |
| Cash dividends to net income (ytd only)* | 149.9133% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 5,170 |
| Loan loss allowance to noncurrent loans | 3,323.6126% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,653 |
| Noncurrent loans to loans | 0.0264% | 5,408 |
| Net loans and leases to total assets | 47.4258% | 5,063 |
| Net loans and leases to deposits | 51.9242% | 5,290 |
| Net loans and leases to core deposits | 393.7791% | 19 |
| Total domestic deposits to total assets | 91.3365% | 204 |
| Equity capital to assets | 6.0755% | 6,114 |
| Core capital (leverage) ratio | 8.0615% | 5,797 |
| Tier 1 risk-based capital ratio | 13.6461% | 3,920 |
| Total risk-based capital ratio | 14.5575% | 4,048 |
| Memoranda: | ||
| Average total assets | $5,442,227,800 | 184 |
| Average earning assets | $5,295,910,800 | 173 |
| Average equity | $402,774,600 | 244 |
| Average total loans | $2,742,330,400 | 228 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7636% | 5,985 |
| Cost of funding earning assets | 0.1786% | 5,566 |
| Net interest margin | 2.5850% | 5,850 |
| Noninterest income to average assets | 0.6538% | 2,459 |
| Noninterest expense to average assets | 0.5049% | 6,248 |
| Loan and lease loss provision to assets | 0.1872% | 1,093 |
| Net operating income to assets | 1.5526% | 845 |
| Return on assets (ROA) | 1.6066% | 787 |
| Pretax return on assets | 2.5582% | 219 |
| Return on Equity (ROE) | 20.3773% | 252 |
| Retained earnings to average equity (ytd only) | -18.6389% | 6,191 |
| Net charge-offs to loans | 0.0010% | 4,154 |
| Credit loss provision to net charge-offs | 34,985.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 4,972.9539% | 9 |
| Efficiency ratio | 15.4601% | 6,257 |
| Assets per employee ($millions) | 29.6046% | 31 |
| Cash dividends to net income (ytd only)* | 191.4688% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,676 |
| Loan loss allowance to noncurrent loans | 5,037.6364% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 5,757 |
| Noncurrent loans to loans | 0.0201% | 5,554 |
| Net loans and leases to total assets | 58.5943% | 4,069 |
| Net loans and leases to deposits | 65.6561% | 4,414 |
| Net loans and leases to core deposits | 769.4268% | 13 |
| Total domestic deposits to total assets | 89.2443% | 900 |
| Equity capital to assets | 7.7278% | 6,033 |
| Core capital (leverage) ratio | 7.6152% | 6,028 |
| Tier 1 risk-based capital ratio | 14.7771% | 3,398 |
| Total risk-based capital ratio | 15.8889% | 3,412 |
| Memoranda: | ||
| Average total assets | $4,984,332,500 | 191 |
| Average earning assets | $4,843,563,750 | 184 |
| Average equity | $392,988,750 | 253 |
| Average total loans | $2,557,861,500 | 242 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7559% | 6,049 |
| Cost of funding earning assets | 0.1822% | 5,598 |
| Net interest margin | 2.5736% | 5,906 |
| Noninterest income to average assets | 0.2480% | 5,174 |
| Noninterest expense to average assets | 0.4873% | 6,326 |
| Loan and lease loss provision to assets | 0.1278% | 1,739 |
| Net operating income to assets | 1.3329% | 1,231 |
| Return on assets (ROA) | 1.4119% | 1,100 |
| Pretax return on assets | 2.2597% | 372 |
| Return on Equity (ROE) | 17.8006% | 422 |
| Retained earnings to average equity (ytd only) | 0.5175% | 5,347 |
| Net charge-offs to loans | 0.0056% | 3,704 |
| Credit loss provision to net charge-offs | 4,660.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 825.7857% | 76 |
| Efficiency ratio | 17.5139% | 6,331 |
| Assets per employee ($millions) | 33.9389% | 32 |
| Cash dividends to net income (ytd only)* | 97.0928% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 5,297 |
| Loan loss allowance to noncurrent loans | 405.8185% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 5,367 |
| Noncurrent loans to loans | 0.2224% | 4,892 |
| Net loans and leases to total assets | 54.8860% | 4,467 |
| Net loans and leases to deposits | 60.7711% | 4,789 |
| Net loans and leases to core deposits | 1,234.5281% | 14 |
| Total domestic deposits to total assets | 90.3160% | 528 |
| Equity capital to assets | 8.6444% | 5,569 |
| Core capital (leverage) ratio | 8.1107% | 5,864 |
| Tier 1 risk-based capital ratio | 17.2095% | 2,325 |
| Total risk-based capital ratio | 18.1805% | 2,383 |
| Memoranda: | ||
| Average total assets | $5,106,335,670 | 193 |
| Average earning assets | $4,966,981,670 | 182 |
| Average equity | $405,019,330 | 249 |
| Average total loans | $2,499,221,670 | 247 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6475% | 6,152 |
| Cost of funding earning assets | 0.1807% | 5,675 |
| Net interest margin | 2.4668% | 6,053 |
| Noninterest income to average assets | 0.2026% | 5,502 |
| Noninterest expense to average assets | 0.4358% | 6,402 |
| Loan and lease loss provision to assets | 0.1402% | 1,466 |
| Net operating income to assets | 1.2717% | 1,357 |
| Return on assets (ROA) | 1.2717% | 1,437 |
| Pretax return on assets | 2.0279% | 555 |
| Return on Equity (ROE) | 16.7160% | 495 |
| Retained earnings to average equity (ytd only) | 16.7160% | 193 |
| Net charge-offs to loans | 0.0015% | 3,259 |
| Credit loss provision to net charge-offs | 20,511.1111% | 14 |
| Earnings coverage of net charge-offs (x) | 3,171.8889% | 8 |
| Efficiency ratio | 16.5320% | 6,401 |
| Assets per employee ($millions) | 39.4725% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 5,457 |
| Loan loss allowance to noncurrent loans | 335.5688% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 5,441 |
| Noncurrent loans to loans | 0.2661% | 4,827 |
| Net loans and leases to total assets | 47.3598% | 5,095 |
| Net loans and leases to deposits | 51.7381% | 5,347 |
| Net loans and leases to core deposits | 876.7595% | 15 |
| Total domestic deposits to total assets | 91.5376% | 224 |
| Equity capital to assets | 7.4749% | 6,187 |
| Core capital (leverage) ratio | 7.7154% | 6,061 |
| Tier 1 risk-based capital ratio | 15.5574% | 3,118 |
| Total risk-based capital ratio | 16.4252% | 3,256 |
| Memoranda: | ||
| Average total assets | $5,266,810,500 | 188 |
| Average earning assets | $5,126,718,000 | 173 |
| Average equity | $400,695,000 | 248 |
| Average total loans | $2,423,617,000 | 251 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9014% | 6,135 |
| Cost of funding earning assets | 0.1750% | 5,942 |
| Net interest margin | 2.7264% | 5,902 |
| Noninterest income to average assets | 0.1851% | 5,747 |
| Noninterest expense to average assets | 0.6081% | 6,479 |
| Loan and lease loss provision to assets | 0.1683% | 1,551 |
| Net operating income to assets | 1.2955% | 1,315 |
| Return on assets (ROA) | 1.3416% | 1,253 |
| Pretax return on assets | 2.1362% | 377 |
| Return on Equity (ROE) | 18.5241% | 354 |
| Retained earnings to average equity (ytd only) | 18.5241% | 77 |
| Net charge-offs to loans | 0.0249% | 4,338 |
| Credit loss provision to net charge-offs | 1,822.8632% | 169 |
| Earnings coverage of net charge-offs (x) | 241.8248% | 226 |
| Efficiency ratio | 21.2143% | 6,491 |
| Assets per employee ($millions) | 41.9545% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 5,493 |
| Loan loss allowance to noncurrent loans | 371.2572% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 5,611 |
| Noncurrent loans to loans | 0.2407% | 4,969 |
| Net loans and leases to total assets | 43.8366% | 5,475 |
| Net loans and leases to deposits | 47.9237% | 5,689 |
| Net loans and leases to core deposits | 735.2855% | 16 |
| Total domestic deposits to total assets | 91.4717% | 233 |
| Equity capital to assets | 7.7421% | 6,161 |
| Core capital (leverage) ratio | 8.2965% | 5,781 |
| Tier 1 risk-based capital ratio | 12.9218% | 4,779 |
| Total risk-based capital ratio | 13.5551% | 5,065 |
| Memoranda: | ||
| Average total assets | $5,069,421,600 | 184 |
| Average earning assets | $4,937,496,800 | 172 |
| Average equity | $367,137,400 | 254 |
| Average total loans | $1,882,238,000 | 278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9240% | 6,182 |
| Cost of funding earning assets | 0.1626% | 6,110 |
| Net interest margin | 2.7614% | 5,914 |
| Noninterest income to average assets | 0.1918% | 5,767 |
| Noninterest expense to average assets | 0.6384% | 6,565 |
| Loan and lease loss provision to assets | 0.1790% | 1,373 |
| Net operating income to assets | 1.3060% | 1,353 |
| Return on assets (ROA) | 1.3598% | 1,267 |
| Pretax return on assets | 2.1487% | 406 |
| Return on Equity (ROE) | 19.1208% | 337 |
| Retained earnings to average equity (ytd only) | 19.1208% | 82 |
| Net charge-offs to loans | 0.0317% | 3,853 |
| Credit loss provision to net charge-offs | 1,603.0879% | 227 |
| Earnings coverage of net charge-offs (x) | 200.8739% | 319 |
| Efficiency ratio | 22.1526% | 6,566 |
| Assets per employee ($millions) | 40.5259% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 5,442 |
| Loan loss allowance to noncurrent loans | 330.9984% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,703 |
| Noncurrent loans to loans | 0.2859% | 5,055 |
| Net loans and leases to total assets | 39.8837% | 5,821 |
| Net loans and leases to deposits | 43.6179% | 5,991 |
| Net loans and leases to core deposits | 678.5891% | 18 |
| Total domestic deposits to total assets | 91.4389% | 248 |
| Equity capital to assets | 7.8094% | 6,208 |
| Core capital (leverage) ratio | 7.9488% | 6,105 |
| Tier 1 risk-based capital ratio | 13.2753% | 4,682 |
| Total risk-based capital ratio | 13.8959% | 4,983 |
| Memoranda: | ||
| Average total assets | $5,025,699,500 | 184 |
| Average earning assets | $4,896,160,750 | 171 |
| Average equity | $357,416,750 | 254 |
| Average total loans | $1,772,882,500 | 286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7176% | 6,385 |
| Cost of funding earning assets | 0.1649% | 6,158 |
| Net interest margin | 2.5527% | 6,219 |
| Noninterest income to average assets | 0.1953% | 5,794 |
| Noninterest expense to average assets | 0.7025% | 6,623 |
| Loan and lease loss provision to assets | 0.1936% | 1,264 |
| Net operating income to assets | 1.1319% | 1,812 |
| Return on assets (ROA) | 1.1818% | 1,723 |
| Pretax return on assets | 1.8650% | 736 |
| Return on Equity (ROE) | 17.1725% | 538 |
| Retained earnings to average equity (ytd only) | 17.1725% | 140 |
| Net charge-offs to loans | 0.0523% | 3,218 |
| Credit loss provision to net charge-offs | 1,101.3544% | 307 |
| Earnings coverage of net charge-offs (x) | 112.6591% | 512 |
| Efficiency ratio | 26.1825% | 6,624 |
| Assets per employee ($millions) | 40.8822% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 5,735 |
| Loan loss allowance to noncurrent loans | 350.0614% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,860 |
| Noncurrent loans to loans | 0.2558% | 5,248 |
| Net loans and leases to total assets | 37.3482% | 5,991 |
| Net loans and leases to deposits | 40.6362% | 6,127 |
| Net loans and leases to core deposits | 589.8313% | 20 |
| Total domestic deposits to total assets | 91.9088% | 185 |
| Equity capital to assets | 7.3017% | 6,388 |
| Core capital (leverage) ratio | 7.6480% | 6,261 |
| Tier 1 risk-based capital ratio | 12.8955% | 4,978 |
| Total risk-based capital ratio | 13.4688% | 5,325 |
| Memoranda: | ||
| Average total assets | $5,039,372,330 | 183 |
| Average earning assets | $4,911,517,000 | 170 |
| Average equity | $346,798,330 | 255 |
| Average total loans | $1,694,819,330 | 291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7059% | 6,461 |
| Cost of funding earning assets | 0.1809% | 6,155 |
| Net interest margin | 2.5250% | 6,312 |
| Noninterest income to average assets | 0.1943% | 5,798 |
| Noninterest expense to average assets | 0.7182% | 6,707 |
| Loan and lease loss provision to assets | 0.1521% | 1,595 |
| Net operating income to assets | 1.1423% | 1,657 |
| Return on assets (ROA) | 1.1406% | 1,730 |
| Pretax return on assets | 1.7824% | 822 |
| Return on Equity (ROE) | 17.1006% | 520 |
| Retained earnings to average equity (ytd only) | 17.1006% | 216 |
| Net charge-offs to loans | 0.1127% | 2,053 |
| Credit loss provision to net charge-offs | 427.2931% | 620 |
| Earnings coverage of net charge-offs (x) | 54.4340% | 709 |
| Efficiency ratio | 27.0470% | 6,692 |
| Assets per employee ($millions) | 42.4647% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 5,956 |
| Loan loss allowance to noncurrent loans | 553.5057% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 6,122 |
| Noncurrent loans to loans | 0.1565% | 5,612 |
| Net loans and leases to total assets | 32.2667% | 6,255 |
| Net loans and leases to deposits | 35.0585% | 6,345 |
| Net loans and leases to core deposits | 425.4228% | 23 |
| Total domestic deposits to total assets | 92.0366% | 235 |
| Equity capital to assets | 7.0179% | 6,443 |
| Core capital (leverage) ratio | 7.3264% | 6,395 |
| Tier 1 risk-based capital ratio | 13.0653% | 4,967 |
| Total risk-based capital ratio | 13.5653% | 5,360 |
| Memoranda: | ||
| Average total assets | $5,024,359,500 | 183 |
| Average earning assets | $4,896,916,000 | 171 |
| Average equity | $335,122,500 | 259 |
| Average total loans | $1,587,012,500 | 308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4205% | 6,641 |
| Cost of funding earning assets | 0.2768% | 5,788 |
| Net interest margin | 2.1437% | 6,600 |
| Noninterest income to average assets | 0.3296% | 4,978 |
| Noninterest expense to average assets | 0.5707% | 6,784 |
| Loan and lease loss provision to assets | 0.2055% | 1,803 |
| Net operating income to assets | 1.0641% | 2,060 |
| Return on assets (ROA) | 1.0938% | 2,027 |
| Pretax return on assets | 1.6937% | 968 |
| Return on Equity (ROE) | 16.1711% | 604 |
| Retained earnings to average equity (ytd only) | 16.1711% | 146 |
| Net charge-offs to loans | 0.3576% | 1,889 |
| Credit loss provision to net charge-offs | 204.7233% | 1,122 |
| Earnings coverage of net charge-offs (x) | 18.4635% | 1,649 |
| Efficiency ratio | 23.2655% | 6,788 |
| Assets per employee ($millions) | 30.9072% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,124 |
| Loan loss allowance to noncurrent loans | 1,078.1277% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 6,317 |
| Noncurrent loans to loans | 0.0761% | 5,989 |
| Net loans and leases to total assets | 30.3777% | 6,445 |
| Net loans and leases to deposits | 32.7722% | 6,515 |
| Net loans and leases to core deposits | 271.9564% | 35 |
| Total domestic deposits to total assets | 92.6937% | 169 |
| Equity capital to assets | 6.3239% | 6,587 |
| Core capital (leverage) ratio | 6.9579% | 6,532 |
| Tier 1 risk-based capital ratio | 12.5422% | 5,263 |
| Total risk-based capital ratio | 13.0101% | 5,699 |
| Memoranda: | ||
| Average total assets | $4,302,119,800 | 199 |
| Average earning assets | $4,203,837,200 | 183 |
| Average equity | $290,988,000 | 281 |
| Average total loans | $1,207,812,800 | 370 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3548% | 6,736 |
| Cost of funding earning assets | 0.2950% | 5,771 |
| Net interest margin | 2.0598% | 6,710 |
| Noninterest income to average assets | 0.3200% | 5,128 |
| Noninterest expense to average assets | 0.5049% | 6,864 |
| Loan and lease loss provision to assets | 0.1793% | 2,029 |
| Net operating income to assets | 1.0345% | 2,243 |
| Return on assets (ROA) | 1.0707% | 2,198 |
| Pretax return on assets | 1.7066% | 1,078 |
| Return on Equity (ROE) | 15.5216% | 710 |
| Retained earnings to average equity (ytd only) | 15.5216% | 176 |
| Net charge-offs to loans | 0.0533% | 4,145 |
| Credit loss provision to net charge-offs | 1,233.1849% | 259 |
| Earnings coverage of net charge-offs (x) | 125.8378% | 419 |
| Efficiency ratio | 21.6298% | 6,868 |
| Assets per employee ($millions) | 37.7118% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,186 |
| Loan loss allowance to noncurrent loans | 89.6727% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 5,438 |
| Noncurrent loans to loans | 1.2649% | 3,288 |
| Net loans and leases to total assets | 25.2768% | 6,662 |
| Net loans and leases to deposits | 27.2620% | 6,707 |
| Net loans and leases to core deposits | 469.8365% | 22 |
| Total domestic deposits to total assets | 92.7179% | 149 |
| Equity capital to assets | 6.4284% | 6,651 |
| Core capital (leverage) ratio | 7.1536% | 6,557 |
| Tier 1 risk-based capital ratio | 12.8112% | 5,253 |
| Total risk-based capital ratio | 13.3468% | 5,655 |
| Memoranda: | ||
| Average total assets | $4,118,180,000 | 200 |
| Average earning assets | $4,026,962,250 | 187 |
| Average equity | $284,088,000 | 283 |
| Average total loans | $1,124,000,500 | 392 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2980% | 6,798 |
| Cost of funding earning assets | 0.3142% | 5,723 |
| Net interest margin | 1.9838% | 6,771 |
| Noninterest income to average assets | 0.4253% | 4,337 |
| Noninterest expense to average assets | 0.4992% | 6,917 |
| Loan and lease loss provision to assets | 0.1632% | 2,286 |
| Net operating income to assets | 1.0679% | 2,041 |
| Return on assets (ROA) | 1.1169% | 1,992 |
| Pretax return on assets | 1.7810% | 968 |
| Return on Equity (ROE) | 15.7783% | 693 |
| Retained earnings to average equity (ytd only) | 15.7783% | 199 |
| Net charge-offs to loans | 0.0842% | 3,524 |
| Credit loss provision to net charge-offs | 693.7901% | 427 |
| Earnings coverage of net charge-offs (x) | 79.3876% | 570 |
| Efficiency ratio | 21.0906% | 6,915 |
| Assets per employee ($millions) | 29.7047% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 6,058 |
| Loan loss allowance to noncurrent loans | 1,049.9038% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 6,450 |
| Noncurrent loans to loans | 0.0884% | 6,132 |
| Net loans and leases to total assets | 26.8779% | 6,657 |
| Net loans and leases to deposits | 29.0702% | 6,720 |
| Net loans and leases to core deposits | 460.5333% | 23 |
| Total domestic deposits to total assets | 92.4588% | 190 |
| Equity capital to assets | 6.5730% | 6,673 |
| Core capital (leverage) ratio | 7.4876% | 6,460 |
| Tier 1 risk-based capital ratio | 12.5664% | 5,459 |
| Total risk-based capital ratio | 13.0228% | 5,889 |
| Memoranda: | ||
| Average total assets | $3,969,863,670 | 204 |
| Average earning assets | $3,885,567,000 | 190 |
| Average equity | $281,005,330 | 287 |
| Average total loans | $1,109,786,000 | 394 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2473% | 6,884 |
| Cost of funding earning assets | 0.3325% | 5,691 |
| Net interest margin | 1.9148% | 6,869 |
| Noninterest income to average assets | 0.5171% | 3,660 |
| Noninterest expense to average assets | 0.5231% | 6,993 |
| Loan and lease loss provision to assets | 0.1817% | 2,038 |
| Net operating income to assets | 1.0574% | 2,010 |
| Return on assets (ROA) | 1.1068% | 1,940 |
| Pretax return on assets | 1.7668% | 944 |
| Return on Equity (ROE) | 15.0221% | 764 |
| Retained earnings to average equity (ytd only) | 15.0221% | 351 |
| Net charge-offs to loans | 0.1706% | 2,378 |
| Credit loss provision to net charge-offs | 374.7277% | 678 |
| Earnings coverage of net charge-offs (x) | 38.5904% | 817 |
| Efficiency ratio | 21.8487% | 6,989 |
| Assets per employee ($millions) | 29.3363% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,345 |
| Loan loss allowance to noncurrent loans | 885.6874% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,496 |
| Noncurrent loans to loans | 0.0973% | 6,187 |
| Net loans and leases to total assets | 27.7233% | 6,672 |
| Net loans and leases to deposits | 30.3976% | 6,736 |
| Net loans and leases to core deposits | 490.4907% | 24 |
| Total domestic deposits to total assets | 91.2022% | 441 |
| Equity capital to assets | 7.4377% | 6,611 |
| Core capital (leverage) ratio | 7.1371% | 6,604 |
| Tier 1 risk-based capital ratio | 12.5211% | 5,563 |
| Total risk-based capital ratio | 12.9514% | 6,059 |
| Memoranda: | ||
| Average total assets | $3,786,354,000 | 213 |
| Average earning assets | $3,712,224,500 | 198 |
| Average equity | $278,976,000 | 292 |
| Average total loans | $1,076,387,000 | 405 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5831% | 6,911 |
| Cost of funding earning assets | 0.5428% | 4,877 |
| Net interest margin | 2.0403% | 6,921 |
| Noninterest income to average assets | 0.4708% | 4,091 |
| Noninterest expense to average assets | 0.4712% | 7,044 |
| Loan and lease loss provision to assets | 0.1009% | 4,381 |
| Net operating income to assets | 1.1684% | 1,699 |
| Return on assets (ROA) | 1.2383% | 1,645 |
| Pretax return on assets | 1.9973% | 602 |
| Return on Equity (ROE) | 16.4226% | 601 |
| Retained earnings to average equity (ytd only) | 16.4226% | 111 |
| Net charge-offs to loans | 0.0178% | 5,666 |
| Credit loss provision to net charge-offs | 1,889.3082% | 124 |
| Earnings coverage of net charge-offs (x) | 372.4906% | 111 |
| Efficiency ratio | 19.1520% | 7,056 |
| Assets per employee ($millions) | 26.9925% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 6,543 |
| Loan loss allowance to noncurrent loans | 438.3746% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 6,465 |
| Noncurrent loans to loans | 0.1750% | 6,040 |
| Net loans and leases to total assets | 28.6990% | 6,745 |
| Net loans and leases to deposits | 31.4391% | 6,800 |
| Net loans and leases to core deposits | 424.2015% | 28 |
| Total domestic deposits to total assets | 91.2844% | 405 |
| Equity capital to assets | 7.2937% | 6,697 |
| Core capital (leverage) ratio | 7.2864% | 6,592 |
| Tier 1 risk-based capital ratio | 11.5801% | 6,044 |
| Total risk-based capital ratio | 11.9601% | 6,433 |
| Memoranda: | ||
| Average total assets | $2,977,697,200 | 245 |
| Average earning assets | $2,903,397,800 | 229 |
| Average equity | $224,519,400 | 336 |
| Average total loans | $893,817,000 | 461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6826% | 7,005 |
| Cost of funding earning assets | 0.6113% | 4,526 |
| Net interest margin | 2.0712% | 7,017 |
| Noninterest income to average assets | 0.4725% | 4,121 |
| Noninterest expense to average assets | 0.4800% | 7,155 |
| Loan and lease loss provision to assets | 0.0618% | 4,942 |
| Net operating income to assets | 1.2058% | 1,715 |
| Return on assets (ROA) | 1.2765% | 1,650 |
| Pretax return on assets | 2.0570% | 616 |
| Return on Equity (ROE) | 16.7511% | 634 |
| Retained earnings to average equity (ytd only) | 16.7511% | 160 |
| Net charge-offs to loans | 0.0322% | 5,194 |
| Credit loss provision to net charge-offs | 631.0680% | 427 |
| Earnings coverage of net charge-offs (x) | 205.0533% | 222 |
| Efficiency ratio | 19.2904% | 7,156 |
| Assets per employee ($millions) | 26.0595% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 6,799 |
| Loan loss allowance to noncurrent loans | 382.8743% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,582 |
| Noncurrent loans to loans | 0.1717% | 6,179 |
| Net loans and leases to total assets | 29.8946% | 6,823 |
| Net loans and leases to deposits | 32.9970% | 6,889 |
| Net loans and leases to core deposits | 438.9159% | 30 |
| Total domestic deposits to total assets | 90.5982% | 558 |
| Equity capital to assets | 7.7418% | 6,696 |
| Core capital (leverage) ratio | 7.2655% | 6,729 |
| Tier 1 risk-based capital ratio | 11.5157% | 6,218 |
| Total risk-based capital ratio | 11.8384% | 6,620 |
| Memoranda: | ||
| Average total assets | $2,804,377,750 | 263 |
| Average earning assets | $2,729,300,500 | 245 |
| Average equity | $213,711,500 | 349 |
| Average total loans | $851,851,500 | 482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7577% | 7,058 |
| Cost of funding earning assets | 0.6768% | 4,207 |
| Net interest margin | 2.0809% | 7,078 |
| Noninterest income to average assets | 0.4598% | 4,210 |
| Noninterest expense to average assets | 0.4448% | 7,220 |
| Loan and lease loss provision to assets | 0.0856% | 4,515 |
| Net operating income to assets | 1.2074% | 1,687 |
| Return on assets (ROA) | 1.2901% | 1,619 |
| Pretax return on assets | 2.0797% | 596 |
| Return on Equity (ROE) | 17.0392% | 629 |
| Retained earnings to average equity (ytd only) | 17.0392% | 179 |
| Net charge-offs to loans | 0.0362% | 4,876 |
| Credit loss provision to net charge-offs | 774.8299% | 404 |
| Earnings coverage of net charge-offs (x) | 184.3537% | 250 |
| Efficiency ratio | 17.9310% | 7,218 |
| Assets per employee ($millions) | 25.5335% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 6,764 |
| Loan loss allowance to noncurrent loans | 372.7488% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,621 |
| Noncurrent loans to loans | 0.2004% | 6,184 |
| Net loans and leases to total assets | 27.2902% | 6,948 |
| Net loans and leases to deposits | 30.0760% | 7,005 |
| Net loans and leases to core deposits | 419.8277% | 30 |
| Total domestic deposits to total assets | 90.7374% | 547 |
| Equity capital to assets | 7.5600% | 6,778 |
| Core capital (leverage) ratio | 7.8680% | 6,397 |
| Tier 1 risk-based capital ratio | 11.9103% | 5,985 |
| Total risk-based capital ratio | 12.2533% | 6,475 |
| Memoranda: | ||
| Average total assets | $2,662,043,330 | 275 |
| Average earning assets | $2,585,546,670 | 252 |
| Average equity | $201,559,330 | 369 |
| Average total loans | $811,667,330 | 502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9326% | 7,071 |
| Cost of funding earning assets | 0.7149% | 4,154 |
| Net interest margin | 2.2176% | 7,088 |
| Noninterest income to average assets | 0.4683% | 4,152 |
| Noninterest expense to average assets | 0.4613% | 7,284 |
| Loan and lease loss provision to assets | 0.0883% | 4,262 |
| Net operating income to assets | 1.2872% | 1,484 |
| Return on assets (ROA) | 1.2635% | 1,730 |
| Pretax return on assets | 2.0349% | 695 |
| Return on Equity (ROE) | 16.6718% | 720 |
| Retained earnings to average equity (ytd only) | 16.6718% | 324 |
| Net charge-offs to loans | 0.0311% | 4,248 |
| Credit loss provision to net charge-offs | 875.8065% | 402 |
| Earnings coverage of net charge-offs (x) | 214.3710% | 168 |
| Efficiency ratio | 17.5956% | 7,281 |
| Assets per employee ($millions) | 24.6952% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 6,863 |
| Loan loss allowance to noncurrent loans | 294.9490% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 6,624 |
| Noncurrent loans to loans | 0.2408% | 6,209 |
| Net loans and leases to total assets | 30.8785% | 6,871 |
| Net loans and leases to deposits | 34.2098% | 6,945 |
| Net loans and leases to core deposits | 899.4536% | 25 |
| Total domestic deposits to total assets | 90.2621% | 938 |
| Equity capital to assets | 7.6032% | 6,741 |
| Core capital (leverage) ratio | 7.4490% | 6,665 |
| Tier 1 risk-based capital ratio | 10.5241% | 6,729 |
| Total risk-based capital ratio | 10.8547% | 6,944 |
| Memoranda: | ||
| Average total assets | $2,461,057,500 | 289 |
| Average earning assets | $2,389,581,000 | 270 |
| Average equity | $186,519,000 | 388 |
| Average total loans | $796,267,500 | 506 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9163% | 7,197 |
| Cost of funding earning assets | 0.8589% | 4,403 |
| Net interest margin | 2.0574% | 7,211 |
| Noninterest income to average assets | 0.5462% | 3,538 |
| Noninterest expense to average assets | 0.6959% | 7,317 |
| Loan and lease loss provision to assets | 0.1462% | 4,783 |
| Net operating income to assets | 1.0592% | 1,965 |
| Return on assets (ROA) | 1.3084% | 1,333 |
| Pretax return on assets | 2.1027% | 439 |
| Return on Equity (ROE) | 17.3973% | 436 |
| Retained earnings to average equity (ytd only) | 17.3973% | 76 |
| Net charge-offs to loans | -0.0075% | 6,863 |
| Credit loss provision to net charge-offs | -6,647.7273% | 6,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2316% | 7,307 |
| Assets per employee ($millions) | 20.9493% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 6,931 |
| Loan loss allowance to noncurrent loans | 523.1984% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 6,764 |
| Noncurrent loans to loans | 0.1301% | 6,483 |
| Net loans and leases to total assets | 33.5507% | 6,885 |
| Net loans and leases to deposits | 37.2332% | 6,974 |
| Net loans and leases to core deposits | 872.7590% | 28 |
| Total domestic deposits to total assets | 90.1096% | 936 |
| Equity capital to assets | 7.5511% | 6,790 |
| Core capital (leverage) ratio | 7.2257% | 6,779 |
| Tier 1 risk-based capital ratio | 10.9153% | 6,491 |
| Total risk-based capital ratio | 11.2616% | 6,844 |
| Memoranda: | ||
| Average total assets | $2,000,305,800 | 348 |
| Average earning assets | $1,953,472,000 | 313 |
| Average equity | $150,437,000 | 466 |
| Average total loans | $589,499,200 | 711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8205% | 7,302 |
| Cost of funding earning assets | 0.8958% | 4,428 |
| Net interest margin | 1.9246% | 7,314 |
| Noninterest income to average assets | 0.3952% | 4,703 |
| Noninterest expense to average assets | 0.7294% | 7,397 |
| Loan and lease loss provision to assets | 0.1015% | 5,175 |
| Net operating income to assets | 0.8849% | 2,800 |
| Return on assets (ROA) | 1.1379% | 1,971 |
| Pretax return on assets | 1.8439% | 869 |
| Return on Equity (ROE) | 15.1489% | 820 |
| Retained earnings to average equity (ytd only) | 15.1489% | 224 |
| Net charge-offs to loans | -0.0084% | 6,759 |
| Credit loss provision to net charge-offs | -4,308.8235% | 6,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9989% | 7,349 |
| Assets per employee ($millions) | 22.0685% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 7,131 |
| Loan loss allowance to noncurrent loans | 297.3602% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 6,859 |
| Noncurrent loans to loans | 0.1851% | 6,502 |
| Net loans and leases to total assets | 29.8657% | 7,094 |
| Net loans and leases to deposits | 32.5615% | 7,165 |
| Net loans and leases to core deposits | 840.5451% | 28 |
| Total domestic deposits to total assets | 91.7210% | 257 |
| Equity capital to assets | 6.6843% | 7,107 |
| Core capital (leverage) ratio | 7.1607% | 6,912 |
| Tier 1 risk-based capital ratio | 9.8947% | 6,984 |
| Total risk-based capital ratio | 10.1520% | 7,124 |
| Memoranda: | ||
| Average total assets | $1,924,275,750 | 361 |
| Average earning assets | $1,883,907,000 | 328 |
| Average equity | $144,543,750 | 490 |
| Average total loans | $542,261,250 | 787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8070% | 7,385 |
| Cost of funding earning assets | 0.9663% | 4,205 |
| Net interest margin | 1.8407% | 7,398 |
| Noninterest income to average assets | 0.3844% | 4,802 |
| Noninterest expense to average assets | 0.7844% | 7,471 |
| Loan and lease loss provision to assets | 0.1010% | 5,049 |
| Net operating income to assets | 0.7990% | 3,083 |
| Return on assets (ROA) | 0.9010% | 2,744 |
| Pretax return on assets | 1.4591% | 1,643 |
| Return on Equity (ROE) | 11.4518% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.4518% | 597 |
| Net charge-offs to loans | -0.0057% | 6,601 |
| Credit loss provision to net charge-offs | -6,471.4286% | 6,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8955% | 7,389 |
| Assets per employee ($millions) | 18.3208% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5958% | 7,142 |
| Loan loss allowance to noncurrent loans | 504.8137% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 6,848 |
| Noncurrent loans to loans | 0.1180% | 6,685 |
| Net loans and leases to total assets | 29.9031% | 7,183 |
| Net loans and leases to deposits | 32.9676% | 7,251 |
| Net loans and leases to core deposits | 438.0637% | 40 |
| Total domestic deposits to total assets | 90.7046% | 634 |
| Equity capital to assets | 8.1308% | 6,568 |
| Core capital (leverage) ratio | 7.2014% | 6,918 |
| Tier 1 risk-based capital ratio | 12.0416% | 5,757 |
| Total risk-based capital ratio | 12.3475% | 6,442 |
| Memoranda: | ||
| Average total assets | $1,793,303,670 | 381 |
| Average earning assets | $1,754,343,000 | 357 |
| Average equity | $141,095,670 | 505 |
| Average total loans | $491,056,330 | 881 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5707% | 7,471 |
| Cost of funding earning assets | 0.9725% | 4,401 |
| Net interest margin | 1.5982% | 7,491 |
| Noninterest income to average assets | 0.4408% | 4,358 |
| Noninterest expense to average assets | 0.8051% | 7,530 |
| Loan and lease loss provision to assets | 0.0415% | 5,466 |
| Net operating income to assets | 0.7154% | 3,449 |
| Return on assets (ROA) | 0.7107% | 3,537 |
| Pretax return on assets | 1.1493% | 2,569 |
| Return on Equity (ROE) | 9.1888% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.1888% | 1,324 |
| Net charge-offs to loans | -0.0043% | 6,224 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1904% | 7,384 |
| Assets per employee ($millions) | 17.3593% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5730% | 7,233 |
| Loan loss allowance to noncurrent loans | 321.9668% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 6,869 |
| Noncurrent loans to loans | 0.1780% | 6,610 |
| Net loans and leases to total assets | 24.4665% | 7,367 |
| Net loans and leases to deposits | 26.8379% | 7,404 |
| Net loans and leases to core deposits | 538.4732% | 34 |
| Total domestic deposits to total assets | 91.1638% | 546 |
| Equity capital to assets | 7.9137% | 6,580 |
| Core capital (leverage) ratio | 6.9735% | 7,022 |
| Tier 1 risk-based capital ratio | 12.5810% | 5,187 |
| Total risk-based capital ratio | 12.8388% | 6,019 |
| Memoranda: | ||
| Average total assets | $1,783,075,000 | 385 |
| Average earning assets | $1,743,215,000 | 358 |
| Average equity | $137,907,000 | 505 |
| Average total loans | $463,773,500 | 943 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5948% | 7,538 |
| Cost of funding earning assets | 0.3830% | 7,444 |
| Net interest margin | 2.2118% | 7,393 |
| Noninterest income to average assets | 0.5712% | 3,666 |
| Noninterest expense to average assets | 1.4701% | 7,457 |
| Loan and lease loss provision to assets | 0.0330% | 6,814 |
| Net operating income to assets | 0.7476% | 3,009 |
| Return on assets (ROA) | 0.7883% | 2,982 |
| Pretax return on assets | 1.2818% | 1,983 |
| Return on Equity (ROE) | 9.4613% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.4613% | 609 |
| Net charge-offs to loans | -0.0373% | 7,421 |
| Credit loss provision to net charge-offs | -272.1893% | 7,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0233% | 6,805 |
| Assets per employee ($millions) | 16.9347% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4781% | 7,376 |
| Loan loss allowance to noncurrent loans | 316.7120% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 6,912 |
| Noncurrent loans to loans | 0.1510% | 6,770 |
| Net loans and leases to total assets | 27.2887% | 7,419 |
| Net loans and leases to deposits | 29.8192% | 7,462 |
| Net loans and leases to core deposits | 29.8448% | 7,474 |
| Total domestic deposits to total assets | 91.5141% | 393 |
| Equity capital to assets | 7.5538% | 6,851 |
| Core capital (leverage) ratio | 7.8193% | 6,414 |
| Tier 1 risk-based capital ratio | 14.1473% | 3,769 |
| Total risk-based capital ratio | 14.4225% | 4,426 |
| Memoranda: | ||
| Average total assets | $1,393,337,200 | 487 |
| Average earning assets | $1,354,492,200 | 456 |
| Average equity | $116,093,400 | 584 |
| Average total loans | $453,378,400 | 996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7393% | 7,655 |
| Cost of funding earning assets | 0.2236% | 7,667 |
| Net interest margin | 2.5157% | 7,369 |
| Noninterest income to average assets | 0.4329% | 4,691 |
| Noninterest expense to average assets | 1.7057% | 7,433 |
| Loan and lease loss provision to assets | 0.0222% | 6,839 |
| Net operating income to assets | 0.7014% | 3,405 |
| Return on assets (ROA) | 0.7597% | 3,335 |
| Pretax return on assets | 1.2373% | 2,374 |
| Return on Equity (ROE) | 8.8351% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.8351% | 1,108 |
| Net charge-offs to loans | 0.0285% | 6,278 |
| Credit loss provision to net charge-offs | 227.3684% | 1,510 |
| Earnings coverage of net charge-offs (x) | 119.6454% | 268 |
| Efficiency ratio | 59.3491% | 6,055 |
| Assets per employee ($millions) | 14.3249% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3790% | 7,548 |
| Loan loss allowance to noncurrent loans | 173.4539% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 6,969 |
| Noncurrent loans to loans | 0.2185% | 6,743 |
| Net loans and leases to total assets | 31.5597% | 7,426 |
| Net loans and leases to deposits | 34.7087% | 7,500 |
| Net loans and leases to core deposits | 236.9431% | 63 |
| Total domestic deposits to total assets | 90.9273% | 475 |
| Equity capital to assets | 7.7043% | 6,996 |
| Core capital (leverage) ratio | 6.7675% | 7,265 |
| Tier 1 risk-based capital ratio | 13.9585% | 3,872 |
| Total risk-based capital ratio | 14.2098% | 4,593 |
| Memoranda: | ||
| Average total assets | $1,297,134,750 | 517 |
| Average earning assets | $1,258,636,000 | 481 |
| Average equity | $111,537,500 | 593 |
| Average total loans | $444,831,750 | 1,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7501% | 7,732 |
| Cost of funding earning assets | 0.1110% | 7,774 |
| Net interest margin | 2.6392% | 7,315 |
| Noninterest income to average assets | 0.3739% | 5,141 |
| Noninterest expense to average assets | 1.8143% | 7,375 |
| Loan and lease loss provision to assets | 0.0437% | 6,540 |
| Net operating income to assets | 0.6488% | 3,632 |
| Return on assets (ROA) | 0.7416% | 3,378 |
| Pretax return on assets | 1.2117% | 2,375 |
| Return on Equity (ROE) | 8.2682% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.2682% | 1,347 |
| Net charge-offs to loans | 0.0153% | 6,130 |
| Credit loss provision to net charge-offs | 809.0909% | 458 |
| Earnings coverage of net charge-offs (x) | 205.8182% | 164 |
| Efficiency ratio | 62.0347% | 5,685 |
| Assets per employee ($millions) | 15.3102% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4422% | 7,567 |
| Loan loss allowance to noncurrent loans | 211.8162% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 6,980 |
| Noncurrent loans to loans | 0.2087% | 6,834 |
| Net loans and leases to total assets | 31.2880% | 7,502 |
| Net loans and leases to deposits | 34.5560% | 7,563 |
| Net loans and leases to core deposits | 34.5560% | 7,593 |
| Total domestic deposits to total assets | 90.5428% | 670 |
| Equity capital to assets | 8.3082% | 6,415 |
| Core capital (leverage) ratio | 8.5693% | 5,297 |
| Tier 1 risk-based capital ratio | 15.4082% | 2,949 |
| Total risk-based capital ratio | 15.7131% | 3,429 |
| Memoranda: | ||
| Average total assets | $1,223,366,000 | 548 |
| Average earning assets | $1,182,423,330 | 508 |
| Average equity | $109,721,670 | 599 |
| Average total loans | $432,763,000 | 1,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9556% | 7,817 |
| Cost of funding earning assets | 0.1345% | 7,872 |
| Net interest margin | 2.8211% | 7,152 |
| Noninterest income to average assets | 0.4304% | 4,661 |
| Noninterest expense to average assets | 1.9226% | 7,295 |
| Loan and lease loss provision to assets | 0.0397% | 6,278 |
| Net operating income to assets | 0.7074% | 3,411 |
| Return on assets (ROA) | 0.9069% | 2,586 |
| Pretax return on assets | 1.4919% | 1,539 |
| Return on Equity (ROE) | 9.6752% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.6752% | 1,214 |
| Net charge-offs to loans | 0.1357% | 4,134 |
| Credit loss provision to net charge-offs | 77.3973% | 3,947 |
| Earnings coverage of net charge-offs (x) | 23.7808% | 1,044 |
| Efficiency ratio | 61.1807% | 5,970 |
| Assets per employee ($millions) | 11.5206% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 7,695 |
| Loan loss allowance to noncurrent loans | 179.0773% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 6,817 |
| Noncurrent loans to loans | 0.2195% | 6,894 |
| Net loans and leases to total assets | 37.8511% | 7,353 |
| Net loans and leases to deposits | 42.5750% | 7,445 |
| Net loans and leases to core deposits | 741.9375% | 35 |
| Total domestic deposits to total assets | 88.9046% | 1,565 |
| Equity capital to assets | 10.0940% | 3,753 |
| Core capital (leverage) ratio | 8.4881% | 5,397 |
| Tier 1 risk-based capital ratio | 16.1319% | 2,598 |
| Total risk-based capital ratio | 16.4160% | 2,992 |
| Memoranda: | ||
| Average total assets | $1,138,433,500 | 596 |
| Average earning assets | $1,094,463,500 | 566 |
| Average equity | $106,706,000 | 614 |
| Average total loans | $430,219,500 | 1,091 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 7,881 |
| Cost of funding earning assets | 0.6905% | 7,692 |
| Net interest margin | 2.3219% | 7,573 |
| Noninterest income to average assets | 0.5959% | 3,660 |
| Noninterest expense to average assets | 1.2555% | 7,893 |
| Loan and lease loss provision to assets | 0.0851% | 6,758 |
| Net operating income to assets | 0.8919% | 2,208 |
| Return on assets (ROA) | 0.5982% | 3,415 |
| Pretax return on assets | 0.9999% | 2,594 |
| Return on Equity (ROE) | 5.7384% | 3,314 |
| Retained earnings to average equity (ytd only) | 5.7384% | 1,453 |
| Net charge-offs to loans | 0.4552% | 3,961 |
| Credit loss provision to net charge-offs | 44.7407% | 6,793 |
| Earnings coverage of net charge-offs (x) | 8.1141% | 1,999 |
| Efficiency ratio | 43.3692% | 7,795 |
| Assets per employee ($millions) | 12.7403% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3906% | 7,765 |
| Loan loss allowance to noncurrent loans | 122.5342% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,475 |
| Noncurrent loans to loans | 0.3187% | 6,640 |
| Net loans and leases to total assets | 37.4413% | 7,465 |
| Net loans and leases to deposits | 41.2695% | 7,589 |
| Net loans and leases to core deposits | 41.5741% | 7,738 |
| Total domestic deposits to total assets | 90.7238% | 654 |
| Equity capital to assets | 8.6781% | 5,622 |
| Core capital (leverage) ratio | 7.5903% | 6,691 |
| Tier 1 risk-based capital ratio | 13.9910% | 3,507 |
| Total risk-based capital ratio | 14.2808% | 4,068 |
| Memoranda: | ||
| Average total assets | $709,501,400 | 965 |
| Average earning assets | $673,315,000 | 919 |
| Average equity | $73,957,800 | 876 |
| Average total loans | $296,594,000 | 1,617 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 7,988 |
| Cost of funding earning assets | 0.6170% | 7,876 |
| Net interest margin | 2.3188% | 7,628 |
| Noninterest income to average assets | 0.7048% | 2,987 |
| Noninterest expense to average assets | 1.3375% | 7,945 |
| Loan and lease loss provision to assets | 0.3102% | 4,490 |
| Net operating income to assets | 0.8190% | 2,730 |
| Return on assets (ROA) | 0.2278% | 5,148 |
| Pretax return on assets | 0.3477% | 4,937 |
| Return on Equity (ROE) | 2.0209% | 5,149 |
| Retained earnings to average equity (ytd only) | 2.0209% | 4,189 |
| Net charge-offs to loans | 0.6870% | 2,637 |
| Credit loss provision to net charge-offs | 102.9652% | 4,946 |
| Earnings coverage of net charge-offs (x) | 5.1572% | 2,909 |
| Efficiency ratio | 44.3689% | 7,826 |
| Assets per employee ($millions) | 12.5951% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 7,435 |
| Loan loss allowance to noncurrent loans | 116.0448% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 6,222 |
| Noncurrent loans to loans | 0.5803% | 6,156 |
| Net loans and leases to total assets | 37.8382% | 7,557 |
| Net loans and leases to deposits | 41.9374% | 7,678 |
| Net loans and leases to core deposits | 42.3448% | 7,822 |
| Total domestic deposits to total assets | 90.2253% | 690 |
| Equity capital to assets | 9.1101% | 5,318 |
| Core capital (leverage) ratio | 9.8398% | 3,465 |
| Tier 1 risk-based capital ratio | 11.9214% | 5,045 |
| Total risk-based capital ratio | 12.3523% | 5,803 |
| Memoranda: | ||
| Average total assets | $597,035,000 | 1,171 |
| Average earning assets | $562,909,000 | 1,131 |
| Average equity | $67,294,500 | 994 |
| Average total loans | $261,796,500 | 1,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 8,046 |
| Cost of funding earning assets | 0.7714% | 7,854 |
| Net interest margin | 2.6138% | 7,343 |
| Noninterest income to average assets | 0.9696% | 1,691 |
| Noninterest expense to average assets | 1.5758% | 7,924 |
| Loan and lease loss provision to assets | 0.3841% | 3,617 |
| Net operating income to assets | 0.9476% | 2,286 |
| Return on assets (ROA) | -0.1383% | 6,111 |
| Pretax return on assets | -0.2589% | 6,185 |
| Return on Equity (ROE) | -1.0850% | 6,082 |
| Retained earnings to average equity (ytd only) | -1.0850% | 5,506 |
| Net charge-offs to loans | 0.2620% | 3,878 |
| Credit loss provision to net charge-offs | 306.7568% | 1,513 |
| Earnings coverage of net charge-offs (x) | 14.5507% | 1,644 |
| Efficiency ratio | 44.2480% | 7,916 |
| Assets per employee ($millions) | 6.8812% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,023 |
| Loan loss allowance to noncurrent loans | 76.3664% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 4,794 |
| Noncurrent loans to loans | 1.7572% | 3,871 |
| Net loans and leases to total assets | 41.3851% | 7,487 |
| Net loans and leases to deposits | 47.8237% | 7,572 |
| Net loans and leases to core deposits | 48.7447% | 7,785 |
| Total domestic deposits to total assets | 86.5369% | 2,492 |
| Equity capital to assets | 12.2562% | 2,052 |
| Core capital (leverage) ratio | 9.9448% | 3,353 |
| Tier 1 risk-based capital ratio | 11.5139% | 5,364 |
| Total risk-based capital ratio | 12.1867% | 5,886 |
| Memoranda: | ||
| Average total assets | $472,771,670 | 1,503 |
| Average earning assets | $439,200,330 | 1,470 |
| Average equity | $60,275,330 | 1,131 |
| Average total loans | $225,911,330 | 2,116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 8,085 |
| Cost of funding earning assets | 0.6815% | 8,002 |
| Net interest margin | 2.9049% | 6,731 |
| Noninterest income to average assets | 0.8808% | 1,928 |
| Noninterest expense to average assets | 1.4862% | 7,997 |
| Loan and lease loss provision to assets | 0.4875% | 2,529 |
| Net operating income to assets | 0.9837% | 2,383 |
| Return on assets (ROA) | 1.0106% | 2,405 |
| Pretax return on assets | 1.6234% | 1,353 |
| Return on Equity (ROE) | 7.7409% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.7409% | 1,907 |
| Net charge-offs to loans | 0.4821% | 2,247 |
| Credit loss provision to net charge-offs | 196.6790% | 2,254 |
| Earnings coverage of net charge-offs (x) | 8.3469% | 2,203 |
| Efficiency ratio | 39.3105% | 8,064 |
| Assets per employee ($millions) | 7.1795% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 4,427 |
| Loan loss allowance to noncurrent loans | 142.0335% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 4,302 |
| Noncurrent loans to loans | 0.8807% | 5,250 |
| Net loans and leases to total assets | 40.2703% | 7,550 |
| Net loans and leases to deposits | 46.5808% | 7,645 |
| Net loans and leases to core deposits | 47.5033% | 7,843 |
| Total domestic deposits to total assets | 86.4525% | 2,478 |
| Equity capital to assets | 11.9276% | 2,306 |
| Core capital (leverage) ratio | 10.6918% | 2,745 |
| Tier 1 risk-based capital ratio | 16.6256% | 2,473 |
| Total risk-based capital ratio | 17.5057% | 2,538 |
| Memoranda: | ||
| Average total assets | $437,348,500 | 1,628 |
| Average earning assets | $402,627,000 | 1,621 |
| Average equity | $57,099,500 | 1,188 |
| Average total loans | $224,848,500 | 2,144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6054% | 7,045 |
| Cost of funding earning assets | 1.9971% | 6,425 |
| Net interest margin | 3.6083% | 4,843 |
| Noninterest income to average assets | 0.7317% | 2,893 |
| Noninterest expense to average assets | 3.1833% | 3,395 |
| Loan and lease loss provision to assets | 0.6381% | 2,281 |
| Net operating income to assets | 0.1257% | 6,034 |
| Return on assets (ROA) | 0.1254% | 5,881 |
| Pretax return on assets | 0.1679% | 5,803 |
| Return on Equity (ROE) | 0.7014% | 6,010 |
| Retained earnings to average equity (ytd only) | 0.7014% | 4,811 |
| Net charge-offs to loans | 0.6299% | 1,953 |
| Credit loss provision to net charge-offs | 165.7759% | 3,103 |
| Earnings coverage of net charge-offs (x) | 2.0948% | 5,027 |
| Efficiency ratio | 76.3038% | 3,188 |
| Assets per employee ($millions) | 4.9060% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 5,622 |
| Loan loss allowance to noncurrent loans | 417.7474% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 4,730 |
| Noncurrent loans to loans | 0.2515% | 6,633 |
| Net loans and leases to total assets | 67.1461% | 4,610 |
| Net loans and leases to deposits | 80.9665% | 4,878 |
| Net loans and leases to core deposits | 84.1168% | 6,284 |
| Total domestic deposits to total assets | 82.9307% | 3,800 |
| Equity capital to assets | 14.8012% | 1,215 |
| Core capital (leverage) ratio | 13.0116% | 1,537 |
| Tier 1 risk-based capital ratio | 12.3178% | 4,574 |
| Total risk-based capital ratio | 13.0726% | 4,869 |
| Memoranda: | ||
| Average total assets | $301,352,000 | 2,200 |
| Average earning assets | $272,097,000 | 2,220 |
| Average equity | $53,891,800 | 1,250 |
| Average total loans | $184,169,200 | 2,456 |