Home > Wells Fargo National Bank West > Performance and Condition Ratios
Wells Fargo National Bank West, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,345 |
| Cost of funding earning assets | 2.2609% | 1,290 |
| Net interest margin | 1.5428% | 4,373 |
| Noninterest income to average assets | -0.0600% | 4,456 |
| Noninterest expense to average assets | 0.4796% | 4,417 |
| Loan and lease loss provision to assets | -0.0300% | 4,225 |
| Net operating income to assets | 0.7860% | 2,880 |
| Return on assets (ROA) | 0.7860% | 2,880 |
| Pretax return on assets | 1.0135% | 2,713 |
| Return on Equity (ROE) | 5.3600% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.3553% | 2,477 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 32.7304% | 4,383 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3279% | 4,330 |
| Loan loss allowance to noncurrent loans | 42.6918% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 1,687 |
| Noncurrent loans to loans | 0.7680% | 1,349 |
| Net loans and leases to total assets | 53.7600% | 3,359 |
| Net loans and leases to deposits | 65.2710% | 3,184 |
| Net loans and leases to core deposits | 65.2710% | 3,500 |
| Total domestic deposits to total assets | 82.3700% | 3,235 |
| Equity capital to assets | 14.8986% | 575 |
| Core capital (leverage) ratio | 14.8567% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.1392% | 115 |
| Memoranda: | ||
| Average total assets | $10,338,424,500 | 159 |
| Average earning assets | $10,191,628,000 | 149 |
| Average equity | $1,517,310,500 | 130 |
| Average total loans | $5,588,187,500 | 201 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 4,117 |
| Cost of funding earning assets | 2.7994% | 707 |
| Net interest margin | 1.4521% | 4,384 |
| Noninterest income to average assets | -0.0700% | 4,486 |
| Noninterest expense to average assets | 0.4043% | 4,444 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.8001% | 2,689 |
| Return on assets (ROA) | 0.8001% | 2,700 |
| Pretax return on assets | 0.9710% | 2,608 |
| Return on Equity (ROE) | 6.7900% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.7877% | 1,508 |
| Net charge-offs to loans | 0.0172% | 2,290 |
| Credit loss provision to net charge-offs | -110.0783% | 4,356 |
| Earnings coverage of net charge-offs (x) | 114.7808% | 740 |
| Efficiency ratio | 29.5925% | 4,424 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3319% | 4,352 |
| Loan loss allowance to noncurrent loans | 39.5302% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 1,550 |
| Noncurrent loans to loans | 0.8397% | 1,190 |
| Net loans and leases to total assets | 53.9800% | 3,402 |
| Net loans and leases to deposits | 64.4114% | 3,320 |
| Net loans and leases to core deposits | 64.4114% | 3,591 |
| Total domestic deposits to total assets | 83.8100% | 2,830 |
| Equity capital to assets | 14.4593% | 618 |
| Core capital (leverage) ratio | 14.1342% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8189% | 122 |
| Memoranda: | ||
| Average total assets | $12,196,362,400 | 142 |
| Average earning assets | $12,080,384,400 | 132 |
| Average equity | $1,437,727,800 | 133 |
| Average total loans | $5,952,342,000 | 186 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 4,013 |
| Cost of funding earning assets | 2.9058% | 587 |
| Net interest margin | 1.4434% | 4,414 |
| Noninterest income to average assets | -0.0700% | 4,517 |
| Noninterest expense to average assets | 0.3902% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7402% | 2,868 |
| Return on assets (ROA) | 0.7402% | 2,886 |
| Pretax return on assets | 0.9712% | 2,630 |
| Return on Equity (ROE) | 6.5900% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.5879% | 1,877 |
| Net charge-offs to loans | 0.0228% | 1,895 |
| Credit loss provision to net charge-offs | -29.2233% | 4,350 |
| Earnings coverage of net charge-offs (x) | 89.0379% | 858 |
| Efficiency ratio | 28.7271% | 4,462 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3382% | 4,388 |
| Loan loss allowance to noncurrent loans | 42.9225% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,556 |
| Noncurrent loans to loans | 0.7880% | 1,263 |
| Net loans and leases to total assets | 55.8800% | 3,271 |
| Net loans and leases to deposits | 66.3409% | 3,229 |
| Net loans and leases to core deposits | 66.3409% | 3,558 |
| Total domestic deposits to total assets | 84.2200% | 2,539 |
| Equity capital to assets | 13.7936% | 777 |
| Core capital (leverage) ratio | 14.4151% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3999% | 125 |
| Memoranda: | ||
| Average total assets | $12,631,597,250 | 142 |
| Average earning assets | $12,537,001,000 | 132 |
| Average equity | $1,419,215,750 | 136 |
| Average total loans | $6,024,670,750 | 181 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 3,698 |
| Cost of funding earning assets | 3.0832% | 410 |
| Net interest margin | 1.4689% | 4,432 |
| Noninterest income to average assets | -0.0800% | 4,539 |
| Noninterest expense to average assets | 0.3728% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7708% | 2,719 |
| Return on assets (ROA) | 0.7708% | 2,737 |
| Pretax return on assets | 1.0042% | 2,473 |
| Return on Equity (ROE) | 7.2900% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.2876% | 1,573 |
| Net charge-offs to loans | 0.0467% | 1,326 |
| Credit loss provision to net charge-offs | -8.7079% | 4,384 |
| Earnings coverage of net charge-offs (x) | 47.1419% | 1,155 |
| Efficiency ratio | 27.1103% | 4,484 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3261% | 4,410 |
| Loan loss allowance to noncurrent loans | 39.2377% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,557 |
| Noncurrent loans to loans | 0.8311% | 1,120 |
| Net loans and leases to total assets | 49.3500% | 3,680 |
| Net loans and leases to deposits | 57.7857% | 3,674 |
| Net loans and leases to core deposits | 57.7857% | 3,842 |
| Total domestic deposits to total assets | 85.4100% | 2,187 |
| Equity capital to assets | 12.2576% | 1,082 |
| Core capital (leverage) ratio | 11.1965% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0233% | 152 |
| Memoranda: | ||
| Average total assets | $13,394,272,333 | 134 |
| Average earning assets | $13,298,059,667 | 123 |
| Average equity | $1,416,703,667 | 134 |
| Average total loans | $6,099,863,000 | 182 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 3,630 |
| Cost of funding earning assets | 3.2159% | 287 |
| Net interest margin | 1.3164% | 4,477 |
| Noninterest income to average assets | -0.0600% | 4,557 |
| Noninterest expense to average assets | 0.3528% | 4,523 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.6930% | 2,869 |
| Return on assets (ROA) | 0.6930% | 2,887 |
| Pretax return on assets | 0.9022% | 2,661 |
| Return on Equity (ROE) | 7.0300% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.0278% | 1,824 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 28.2946% | 4,476 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3380% | 4,396 |
| Loan loss allowance to noncurrent loans | 41.7958% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,647 |
| Noncurrent loans to loans | 0.8087% | 1,094 |
| Net loans and leases to total assets | 45.5400% | 3,828 |
| Net loans and leases to deposits | 53.9346% | 3,781 |
| Net loans and leases to core deposits | 53.9346% | 3,975 |
| Total domestic deposits to total assets | 84.4400% | 2,588 |
| Equity capital to assets | 10.7052% | 1,631 |
| Core capital (leverage) ratio | 10.0365% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1396% | 189 |
| Memoranda: | ||
| Average total assets | $14,085,565,500 | 129 |
| Average earning assets | $13,984,278,000 | 120 |
| Average equity | $1,388,886,000 | 134 |
| Average total loans | $6,176,034,500 | 181 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,135 |
| Cost of funding earning assets | 3.7314% | 53 |
| Net interest margin | 0.1093% | 4,557 |
| Noninterest income to average assets | -7.6200% | 4,595 |
| Noninterest expense to average assets | 0.4236% | 4,539 |
| Loan and lease loss provision to assets | -0.1200% | 4,532 |
| Net operating income to assets | -6.1400% | 4,596 |
| Return on assets (ROA) | -6.3287% | 4,594 |
| Pretax return on assets | -8.0548% | 4,599 |
| Return on Equity (ROE) | -64.4200% | 4,575 |
| Retained earnings to average equity (ytd only) | -64.4235% | 4,561 |
| Net charge-offs to loans | 0.0053% | 2,521 |
| Credit loss provision to net charge-offs | -3,691.7603% | 4,589 |
| Earnings coverage of net charge-offs (x) | -2,396.7397% | 4,611 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3357% | 4,413 |
| Loan loss allowance to noncurrent loans | 47.8294% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 1,772 |
| Noncurrent loans to loans | 0.7019% | 1,112 |
| Net loans and leases to total assets | 42.0300% | 3,963 |
| Net loans and leases to deposits | 50.9490% | 3,917 |
| Net loans and leases to core deposits | 51.3881% | 4,050 |
| Total domestic deposits to total assets | 82.5000% | 3,025 |
| Equity capital to assets | 9.0964% | 2,609 |
| Core capital (leverage) ratio | 9.2015% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7427% | 224 |
| Memoranda: | ||
| Average total assets | $16,122,806,200 | 116 |
| Average earning assets | $15,868,787,000 | 105 |
| Average equity | $1,583,848,400 | 114 |
| Average total loans | $10,087,435,400 | 124 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6647% | 4,249 |
| Cost of funding earning assets | 3.7936% | 45 |
| Net interest margin | -0.1288% | 4,638 |
| Noninterest income to average assets | -9.9400% | 4,623 |
| Noninterest expense to average assets | 0.4017% | 4,566 |
| Loan and lease loss provision to assets | -0.1700% | 4,580 |
| Net operating income to assets | -8.1454% | 4,624 |
| Return on assets (ROA) | -8.3919% | 4,624 |
| Pretax return on assets | -10.6111% | 4,628 |
| Return on Equity (ROE) | -84.0300% | 4,603 |
| Retained earnings to average equity (ytd only) | -84.0275% | 4,590 |
| Net charge-offs to loans | -0.0000% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3213% | 4,438 |
| Loan loss allowance to noncurrent loans | 39.3635% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,680 |
| Noncurrent loans to loans | 0.8163% | 1,013 |
| Net loans and leases to total assets | 41.1900% | 4,013 |
| Net loans and leases to deposits | 51.2183% | 3,894 |
| Net loans and leases to core deposits | 51.4322% | 3,994 |
| Total domestic deposits to total assets | 80.4300% | 3,469 |
| Equity capital to assets | 9.1352% | 2,339 |
| Core capital (leverage) ratio | 8.5761% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8156% | 257 |
| Memoranda: | ||
| Average total assets | $16,455,117,250 | 114 |
| Average earning assets | $16,166,061,750 | 106 |
| Average equity | $1,643,390,250 | 110 |
| Average total loans | $11,049,540,250 | 116 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 4,403 |
| Cost of funding earning assets | 3.7693% | 31 |
| Net interest margin | -0.3351% | 4,665 |
| Noninterest income to average assets | -0.0100% | 4,641 |
| Noninterest expense to average assets | 0.4124% | 4,596 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | -0.6171% | 4,575 |
| Return on assets (ROA) | -0.6171% | 4,570 |
| Pretax return on assets | -0.7473% | 4,572 |
| Return on Equity (ROE) | -6.0200% | 4,556 |
| Retained earnings to average equity (ytd only) | -6.0212% | 4,450 |
| Net charge-offs to loans | 0.0115% | 1,766 |
| Credit loss provision to net charge-offs | -101.7906% | 4,545 |
| Earnings coverage of net charge-offs (x) | -87.4669% | 4,655 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3226% | 4,470 |
| Loan loss allowance to noncurrent loans | 76.9694% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 1,650 |
| Noncurrent loans to loans | 0.4191% | 1,674 |
| Net loans and leases to total assets | 75.5400% | 1,100 |
| Net loans and leases to deposits | 93.2184% | 932 |
| Net loans and leases to core deposits | 93.4695% | 1,600 |
| Total domestic deposits to total assets | 81.0400% | 3,427 |
| Equity capital to assets | 10.5241% | 1,589 |
| Core capital (leverage) ratio | 9.8836% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9832% | 297 |
| Memoranda: | ||
| Average total assets | $16,795,965,000 | 108 |
| Average earning assets | $16,596,028,000 | 97 |
| Average equity | $1,721,253,333 | 103 |
| Average total loans | $12,606,746,333 | 95 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2673% | 4,458 |
| Cost of funding earning assets | 3.6194% | 6 |
| Net interest margin | -0.3521% | 4,692 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.3879% | 4,667 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | -0.6312% | 4,598 |
| Return on assets (ROA) | -0.6312% | 4,587 |
| Pretax return on assets | -0.7701% | 4,590 |
| Return on Equity (ROE) | -6.2400% | 4,570 |
| Retained earnings to average equity (ytd only) | -6.2397% | 4,376 |
| Net charge-offs to loans | 0.0227% | 1,227 |
| Credit loss provision to net charge-offs | 186.4828% | 856 |
| Earnings coverage of net charge-offs (x) | -43.4607% | 4,679 |
| Efficiency ratio | 0.0000% | 4,671 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3314% | 4,523 |
| Loan loss allowance to noncurrent loans | 76.8665% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 1,534 |
| Noncurrent loans to loans | 0.4311% | 1,641 |
| Net loans and leases to total assets | 76.3500% | 942 |
| Net loans and leases to deposits | 100.3194% | 432 |
| Net loans and leases to core deposits | 100.5171% | 1,068 |
| Total domestic deposits to total assets | 76.1100% | 4,157 |
| Equity capital to assets | 10.4548% | 1,585 |
| Core capital (leverage) ratio | 9.9907% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0543% | 312 |
| Memoranda: | ||
| Average total assets | $17,069,098,500 | 108 |
| Average earning assets | $16,877,085,000 | 101 |
| Average equity | $1,726,809,000 | 106 |
| Average total loans | $12,752,662,000 | 98 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6735% | 4,419 |
| Cost of funding earning assets | 1.6194% | 14 |
| Net interest margin | 1.0541% | 4,676 |
| Noninterest income to average assets | -0.0100% | 4,689 |
| Noninterest expense to average assets | 0.3253% | 4,697 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5657% | 3,954 |
| Return on assets (ROA) | 0.5657% | 3,919 |
| Pretax return on assets | 0.6931% | 3,859 |
| Return on Equity (ROE) | 5.9200% | 3,841 |
| Retained earnings to average equity (ytd only) | -0.5529% | 4,403 |
| Net charge-offs to loans | 0.0006% | 2,580 |
| Credit loss provision to net charge-offs | 3,711.8421% | 167 |
| Earnings coverage of net charge-offs (x) | 1,732.7368% | 96 |
| Efficiency ratio | 31.4714% | 4,642 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 109.3343% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3162% | 4,541 |
| Loan loss allowance to noncurrent loans | 69.6556% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 1,509 |
| Noncurrent loans to loans | 0.4540% | 1,575 |
| Net loans and leases to total assets | 72.7200% | 1,343 |
| Net loans and leases to deposits | 93.4495% | 816 |
| Net loans and leases to core deposits | 98.2902% | 1,089 |
| Total domestic deposits to total assets | 77.8100% | 4,110 |
| Equity capital to assets | 9.8012% | 1,825 |
| Core capital (leverage) ratio | 9.6716% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6776% | 346 |
| Memoranda: | ||
| Average total assets | $18,592,015,400 | 106 |
| Average earning assets | $18,396,910,600 | 100 |
| Average equity | $1,775,576,200 | 108 |
| Average total loans | $13,162,118,600 | 100 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5553% | 4,424 |
| Cost of funding earning assets | 1.0619% | 47 |
| Net interest margin | 1.4935% | 4,640 |
| Noninterest income to average assets | -0.0100% | 4,724 |
| Noninterest expense to average assets | 0.3132% | 4,740 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8989% | 2,868 |
| Return on assets (ROA) | 0.8989% | 2,848 |
| Pretax return on assets | 1.1379% | 2,602 |
| Return on Equity (ROE) | 9.4700% | 2,884 |
| Retained earnings to average equity (ytd only) | 0.8883% | 4,229 |
| Net charge-offs to loans | 0.0012% | 2,279 |
| Credit loss provision to net charge-offs | 2,680.8696% | 196 |
| Earnings coverage of net charge-offs (x) | 1,423.7826% | 90 |
| Efficiency ratio | 21.2612% | 4,721 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 90.6204% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3111% | 4,583 |
| Loan loss allowance to noncurrent loans | 66.2430% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 1,594 |
| Noncurrent loans to loans | 0.4696% | 1,626 |
| Net loans and leases to total assets | 71.6500% | 1,327 |
| Net loans and leases to deposits | 91.0393% | 823 |
| Net loans and leases to core deposits | 97.3340% | 934 |
| Total domestic deposits to total assets | 78.7000% | 4,204 |
| Equity capital to assets | 9.5057% | 1,881 |
| Core capital (leverage) ratio | 9.3550% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8179% | 391 |
| Memoranda: | ||
| Average total assets | $18,823,802,000 | 107 |
| Average earning assets | $18,628,795,250 | 101 |
| Average equity | $1,786,628,750 | 110 |
| Average total loans | $13,231,097,500 | 100 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4554% | 4,416 |
| Cost of funding earning assets | 0.1317% | 3,820 |
| Net interest margin | 2.3237% | 4,311 |
| Noninterest income to average assets | -0.0034% | 4,748 |
| Noninterest expense to average assets | 0.6969% | 4,738 |
| Loan and lease loss provision to assets | 0.0648% | 1,440 |
| Net operating income to assets | 1.2194% | 1,366 |
| Return on assets (ROA) | 1.2194% | 1,354 |
| Pretax return on assets | 1.5359% | 1,084 |
| Return on Equity (ROE) | 12.8541% | 1,421 |
| Retained earnings to average equity (ytd only) | 0.0875% | 4,166 |
| Net charge-offs to loans | 0.0017% | 2,055 |
| Credit loss provision to net charge-offs | 5,353.9130% | 107 |
| Earnings coverage of net charge-offs (x) | 1,321.6870% | 90 |
| Efficiency ratio | 30.3323% | 4,713 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 99.3194% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3244% | 4,650 |
| Loan loss allowance to noncurrent loans | 63.7239% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 1,506 |
| Noncurrent loans to loans | 0.5091% | 1,604 |
| Net loans and leases to total assets | 72.7428% | 1,037 |
| Net loans and leases to deposits | 86.0267% | 968 |
| Net loans and leases to core deposits | 91.5570% | 1,038 |
| Total domestic deposits to total assets | 84.5584% | 3,576 |
| Equity capital to assets | 9.3248% | 2,146 |
| Core capital (leverage) ratio | 9.0479% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7923% | 375 |
| Memoranda: | ||
| Average total assets | $18,990,578,333 | 106 |
| Average earning assets | $18,805,121,667 | 99 |
| Average equity | $1,801,578,333 | 111 |
| Average total loans | $13,251,551,000 | 98 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3193% | 4,446 |
| Cost of funding earning assets | 0.0767% | 4,386 |
| Net interest margin | 2.2425% | 4,301 |
| Noninterest income to average assets | -0.0000% | 4,771 |
| Noninterest expense to average assets | 0.4470% | 4,781 |
| Loan and lease loss provision to assets | 0.1111% | 750 |
| Net operating income to assets | 1.3140% | 974 |
| Return on assets (ROA) | 1.3140% | 959 |
| Pretax return on assets | 1.6627% | 739 |
| Return on Equity (ROE) | 13.7375% | 884 |
| Retained earnings to average equity (ytd only) | 1.7458% | 3,619 |
| Net charge-offs to loans | 0.0035% | 1,652 |
| Credit loss provision to net charge-offs | 4,672.8070% | 102 |
| Earnings coverage of net charge-offs (x) | 746.0702% | 127 |
| Efficiency ratio | 20.1277% | 4,776 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 87.2919% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 4,684 |
| Loan loss allowance to noncurrent loans | 50.8729% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 1,396 |
| Noncurrent loans to loans | 0.5974% | 1,567 |
| Net loans and leases to total assets | 72.7600% | 768 |
| Net loans and leases to deposits | 85.6574% | 766 |
| Net loans and leases to core deposits | 90.8333% | 886 |
| Total domestic deposits to total assets | 84.9430% | 3,545 |
| Equity capital to assets | 9.1175% | 2,611 |
| Core capital (leverage) ratio | 9.3915% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6164% | 394 |
| Memoranda: | ||
| Average total assets | $19,179,833,500 | 106 |
| Average earning assets | $18,993,972,500 | 101 |
| Average equity | $1,834,598,000 | 113 |
| Average total loans | $13,085,819,000 | 97 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0749% | 4,666 |
| Cost of funding earning assets | 0.0848% | 4,498 |
| Net interest margin | 1.9900% | 4,604 |
| Noninterest income to average assets | 0.0018% | 4,804 |
| Noninterest expense to average assets | 0.4298% | 4,816 |
| Loan and lease loss provision to assets | 0.0453% | 2,150 |
| Net operating income to assets | 1.1414% | 2,140 |
| Return on assets (ROA) | 1.1414% | 2,192 |
| Pretax return on assets | 1.4984% | 1,733 |
| Return on Equity (ROE) | 11.8736% | 1,862 |
| Retained earnings to average equity (ytd only) | 2.9232% | 3,665 |
| Net charge-offs to loans | 0.0015% | 2,605 |
| Credit loss provision to net charge-offs | 5,001.1173% | 146 |
| Earnings coverage of net charge-offs (x) | 1,703.9721% | 86 |
| Efficiency ratio | 21.7780% | 4,820 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 75.3810% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3184% | 4,715 |
| Loan loss allowance to noncurrent loans | 48.9794% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 1,590 |
| Noncurrent loans to loans | 0.6501% | 1,535 |
| Net loans and leases to total assets | 63.1113% | 1,809 |
| Net loans and leases to deposits | 70.3957% | 2,089 |
| Net loans and leases to core deposits | 78.1762% | 1,746 |
| Total domestic deposits to total assets | 89.6523% | 1,140 |
| Equity capital to assets | 10.0280% | 2,629 |
| Core capital (leverage) ratio | 10.2252% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7026% | 222 |
| Memoranda: | ||
| Average total assets | $19,758,508,000 | 100 |
| Average earning assets | $19,576,651,400 | 94 |
| Average equity | $1,899,348,400 | 115 |
| Average total loans | $11,754,159,200 | 103 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0460% | 4,752 |
| Cost of funding earning assets | 0.0899% | 4,573 |
| Net interest margin | 1.9561% | 4,697 |
| Noninterest income to average assets | 0.0032% | 4,880 |
| Noninterest expense to average assets | 0.4220% | 4,900 |
| Loan and lease loss provision to assets | 0.1020% | 1,183 |
| Net operating income to assets | 1.0711% | 2,646 |
| Return on assets (ROA) | 1.0711% | 2,712 |
| Pretax return on assets | 1.4170% | 2,265 |
| Return on Equity (ROE) | 11.2568% | 2,288 |
| Retained earnings to average equity (ytd only) | 3.1922% | 3,833 |
| Net charge-offs to loans | 0.0020% | 2,317 |
| Credit loss provision to net charge-offs | 8,537.4302% | 91 |
| Earnings coverage of net charge-offs (x) | 1,271.7989% | 127 |
| Efficiency ratio | 21.7416% | 4,894 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 71.6422% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3307% | 4,798 |
| Loan loss allowance to noncurrent loans | 112.8230% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,730 |
| Noncurrent loans to loans | 0.2931% | 2,743 |
| Net loans and leases to total assets | 71.2818% | 952 |
| Net loans and leases to deposits | 79.6322% | 1,326 |
| Net loans and leases to core deposits | 89.4424% | 1,061 |
| Total domestic deposits to total assets | 89.5138% | 999 |
| Equity capital to assets | 10.1410% | 2,769 |
| Core capital (leverage) ratio | 10.0785% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2266% | 327 |
| Memoranda: | ||
| Average total assets | $19,982,139,750 | 99 |
| Average earning assets | $19,795,869,500 | 93 |
| Average equity | $1,901,266,750 | 115 |
| Average total loans | $11,706,863,750 | 104 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9922% | 4,808 |
| Cost of funding earning assets | 0.0981% | 4,592 |
| Net interest margin | 1.8941% | 4,753 |
| Noninterest income to average assets | 0.0050% | 4,910 |
| Noninterest expense to average assets | 0.3970% | 4,940 |
| Loan and lease loss provision to assets | 0.1390% | 873 |
| Net operating income to assets | 1.0129% | 2,850 |
| Return on assets (ROA) | 1.0129% | 2,933 |
| Pretax return on assets | 1.3463% | 2,491 |
| Return on Equity (ROE) | 10.8643% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.5514% | 3,343 |
| Net charge-offs to loans | 0.0071% | 1,877 |
| Credit loss provision to net charge-offs | 3,587.8481% | 182 |
| Earnings coverage of net charge-offs (x) | 383.3494% | 319 |
| Efficiency ratio | 21.0899% | 4,929 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 58.1063% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3708% | 4,816 |
| Loan loss allowance to noncurrent loans | 147.1870% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 3,244 |
| Noncurrent loans to loans | 0.2519% | 3,042 |
| Net loans and leases to total assets | 59.9857% | 2,429 |
| Net loans and leases to deposits | 66.8096% | 2,746 |
| Net loans and leases to core deposits | 76.6720% | 2,171 |
| Total domestic deposits to total assets | 89.7861% | 879 |
| Equity capital to assets | 9.8988% | 2,946 |
| Core capital (leverage) ratio | 9.6861% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6515% | 257 |
| Memoranda: | ||
| Average total assets | $20,389,715,333 | 96 |
| Average earning assets | $20,207,981,333 | 93 |
| Average equity | $1,900,891,333 | 115 |
| Average total loans | $11,137,015,000 | 108 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8901% | 4,860 |
| Cost of funding earning assets | 0.1139% | 4,559 |
| Net interest margin | 1.7762% | 4,818 |
| Noninterest income to average assets | -0.0011% | 4,952 |
| Noninterest expense to average assets | 0.3666% | 4,965 |
| Loan and lease loss provision to assets | 0.1792% | 692 |
| Net operating income to assets | 0.8977% | 3,126 |
| Return on assets (ROA) | 0.8977% | 3,208 |
| Pretax return on assets | 1.2135% | 2,810 |
| Return on Equity (ROE) | 9.9103% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.9103% | 1,670 |
| Net charge-offs to loans | 0.0066% | 1,661 |
| Credit loss provision to net charge-offs | 5,213.3333% | 108 |
| Earnings coverage of net charge-offs (x) | 405.1889% | 227 |
| Efficiency ratio | 20.8358% | 4,949 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2857% | 4,883 |
| Loan loss allowance to noncurrent loans | 149.0467% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 3,523 |
| Noncurrent loans to loans | 0.1917% | 3,417 |
| Net loans and leases to total assets | 67.5943% | 1,587 |
| Net loans and leases to deposits | 75.0991% | 2,008 |
| Net loans and leases to core deposits | 91.5387% | 1,137 |
| Total domestic deposits to total assets | 90.0068% | 814 |
| Equity capital to assets | 9.6706% | 3,040 |
| Core capital (leverage) ratio | 9.0963% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0403% | 293 |
| Memoranda: | ||
| Average total assets | $20,946,993,000 | 95 |
| Average earning assets | $20,761,065,000 | 90 |
| Average equity | $1,897,333,000 | 116 |
| Average total loans | $10,902,830,000 | 112 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7798% | 4,758 |
| Cost of funding earning assets | 0.6025% | 2,284 |
| Net interest margin | 2.1773% | 4,772 |
| Noninterest income to average assets | 0.7743% | 1,611 |
| Noninterest expense to average assets | 0.4846% | 4,977 |
| Loan and lease loss provision to assets | 0.0924% | 3,194 |
| Net operating income to assets | 1.8293% | 363 |
| Return on assets (ROA) | 1.8293% | 391 |
| Pretax return on assets | 2.3442% | 240 |
| Return on Equity (ROE) | 20.8815% | 194 |
| Retained earnings to average equity (ytd only) | 20.8815% | 61 |
| Net charge-offs to loans | -0.0000% | 3,886 |
| Credit loss provision to net charge-offs | -1,835,700.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.5890% | 4,988 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3508% | 4,879 |
| Loan loss allowance to noncurrent loans | 165.1185% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,935 |
| Noncurrent loans to loans | 0.2124% | 3,439 |
| Net loans and leases to total assets | 37.7278% | 4,536 |
| Net loans and leases to deposits | 41.3665% | 4,623 |
| Net loans and leases to core deposits | 57.6255% | 4,067 |
| Total domestic deposits to total assets | 91.2038% | 178 |
| Equity capital to assets | 8.5053% | 4,439 |
| Core capital (leverage) ratio | 8.5828% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8896% | 112 |
| Memoranda: | ||
| Average total assets | $19,858,496,400 | 95 |
| Average earning assets | $19,581,443,600 | 90 |
| Average equity | $1,739,675,600 | 121 |
| Average total loans | $12,273,935,000 | 100 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0948% | 4,668 |
| Cost of funding earning assets | 0.7516% | 1,736 |
| Net interest margin | 2.3433% | 4,758 |
| Noninterest income to average assets | 1.6907% | 408 |
| Noninterest expense to average assets | 0.5395% | 5,015 |
| Loan and lease loss provision to assets | 0.1072% | 2,980 |
| Net operating income to assets | 2.6430% | 124 |
| Return on assets (ROA) | 2.6430% | 130 |
| Pretax return on assets | 3.3507% | 95 |
| Return on Equity (ROE) | 29.9215% | 67 |
| Retained earnings to average equity (ytd only) | 29.9215% | 34 |
| Net charge-offs to loans | -0.0000% | 3,760 |
| Credit loss provision to net charge-offs | -1,552,900.0000% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.4969% | 5,026 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2699% | 4,943 |
| Loan loss allowance to noncurrent loans | 134.8383% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 3,898 |
| Noncurrent loans to loans | 0.2001% | 3,588 |
| Net loans and leases to total assets | 53.5294% | 3,842 |
| Net loans and leases to deposits | 59.9667% | 4,059 |
| Net loans and leases to core deposits | 112.3685% | 617 |
| Total domestic deposits to total assets | 89.2653% | 664 |
| Equity capital to assets | 10.3762% | 2,896 |
| Core capital (leverage) ratio | 10.9724% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7253% | 158 |
| Memoranda: | ||
| Average total assets | $19,315,278,250 | 94 |
| Average earning assets | $19,013,943,750 | 89 |
| Average equity | $1,706,137,250 | 121 |
| Average total loans | $13,257,116,750 | 93 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 4,562 |
| Cost of funding earning assets | 0.9359% | 1,210 |
| Net interest margin | 2.4415% | 4,771 |
| Noninterest income to average assets | 2.4696% | 228 |
| Noninterest expense to average assets | 0.5928% | 5,046 |
| Loan and lease loss provision to assets | 0.1630% | 2,372 |
| Net operating income to assets | 3.2500% | 67 |
| Return on assets (ROA) | 3.2500% | 72 |
| Pretax return on assets | 4.1128% | 59 |
| Return on Equity (ROE) | 38.8948% | 35 |
| Retained earnings to average equity (ytd only) | 38.8948% | 16 |
| Net charge-offs to loans | -0.0000% | 3,707 |
| Credit loss provision to net charge-offs | -1,602,800.0000% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1757% | 5,058 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2426% | 4,982 |
| Loan loss allowance to noncurrent loans | 43.8735% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 2,860 |
| Noncurrent loans to loans | 0.5528% | 2,510 |
| Net loans and leases to total assets | 64.6015% | 2,807 |
| Net loans and leases to deposits | 72.8760% | 3,172 |
| Net loans and leases to core deposits | 147.9799% | 115 |
| Total domestic deposits to total assets | 88.6458% | 888 |
| Equity capital to assets | 10.6751% | 2,598 |
| Core capital (leverage) ratio | 8.5235% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1242% | 281 |
| Memoranda: | ||
| Average total assets | $19,671,025,333 | 94 |
| Average earning assets | $19,327,724,000 | 88 |
| Average equity | $1,643,701,333 | 128 |
| Average total loans | $14,411,321,333 | 87 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3500% | 4,775 |
| Cost of funding earning assets | 1.1382% | 937 |
| Net interest margin | 2.2119% | 4,955 |
| Noninterest income to average assets | 0.0170% | 5,027 |
| Noninterest expense to average assets | 0.3966% | 5,104 |
| Loan and lease loss provision to assets | 0.1763% | 1,681 |
| Net operating income to assets | 1.2594% | 1,352 |
| Return on assets (ROA) | 1.2594% | 1,452 |
| Pretax return on assets | 1.6141% | 1,017 |
| Return on Equity (ROE) | 17.0042% | 341 |
| Retained earnings to average equity (ytd only) | 17.0042% | 114 |
| Net charge-offs to loans | -0.0000% | 3,578 |
| Credit loss provision to net charge-offs | -922,500.0000% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.1361% | 5,094 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1300% | 5,046 |
| Loan loss allowance to noncurrent loans | 368.8452% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,483 |
| Noncurrent loans to loans | 0.0353% | 4,420 |
| Net loans and leases to total assets | 79.1370% | 800 |
| Net loans and leases to deposits | 135.3427% | 27 |
| Net loans and leases to core deposits | 275.6453% | 20 |
| Total domestic deposits to total assets | 58.4715% | 5,032 |
| Equity capital to assets | 6.0973% | 5,100 |
| Core capital (leverage) ratio | 7.5599% | 5,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1370% | 1,866 |
| Memoranda: | ||
| Average total assets | $20,934,178,500 | 87 |
| Average earning assets | $20,537,279,500 | 82 |
| Average equity | $1,550,444,000 | 132 |
| Average total loans | $16,065,641,500 | 79 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,831 |
| Cost of funding earning assets | 1.4893% | 412 |
| Net interest margin | 2.7020% | 4,839 |
| Noninterest income to average assets | 0.5026% | 2,722 |
| Noninterest expense to average assets | 0.4497% | 5,161 |
| Loan and lease loss provision to assets | 0.0019% | 3,954 |
| Net operating income to assets | 2.1499% | 248 |
| Return on assets (ROA) | 2.1499% | 261 |
| Pretax return on assets | 2.7000% | 145 |
| Return on Equity (ROE) | 21.7679% | 142 |
| Retained earnings to average equity (ytd only) | 18.9098% | 40 |
| Net charge-offs to loans | 0.0023% | 3,617 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1,417.9704% | 61 |
| Efficiency ratio | 14.2679% | 5,165 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 13.1300% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,437 |
| Noncurrent loans to loans | 0.0553% | 4,321 |
| Net loans and leases to total assets | 72.7127% | 1,964 |
| Net loans and leases to deposits | 168.3848% | 6 |
| Net loans and leases to core deposits | 222.8001% | 36 |
| Total domestic deposits to total assets | 43.1825% | 5,134 |
| Equity capital to assets | 9.5199% | 4,339 |
| Core capital (leverage) ratio | 10.0177% | 3,498 |
| Tier 1 risk-based capital ratio | 22.5722% | 958 |
| Total risk-based capital ratio | 22.5722% | 1,091 |
| Memoranda: | ||
| Average total assets | $14,169,865,000 | 110 |
| Average earning assets | $13,891,529,600 | 104 |
| Average equity | $1,399,512,600 | 135 |
| Average total loans | $11,859,168,600 | 94 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 3,590 |
| Cost of funding earning assets | 1.6262% | 268 |
| Net interest margin | 2.6955% | 4,942 |
| Noninterest income to average assets | 0.6125% | 2,136 |
| Noninterest expense to average assets | 0.3898% | 5,245 |
| Loan and lease loss provision to assets | 0.0010% | 3,827 |
| Net operating income to assets | 2.2695% | 238 |
| Return on assets (ROA) | 2.2695% | 252 |
| Pretax return on assets | 2.8626% | 134 |
| Return on Equity (ROE) | 22.7380% | 138 |
| Retained earnings to average equity (ytd only) | 18.8403% | 61 |
| Net charge-offs to loans | 0.0011% | 3,417 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 2,974.0469% | 18 |
| Efficiency ratio | 11.9801% | 5,246 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 17.1419% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,660 |
| Noncurrent loans to loans | 0.0212% | 4,579 |
| Net loans and leases to total assets | 82.6092% | 502 |
| Net loans and leases to deposits | 232.6091% | 5 |
| Net loans and leases to core deposits | 252.2080% | 30 |
| Total domestic deposits to total assets | 35.5142% | 5,222 |
| Equity capital to assets | 9.8283% | 4,183 |
| Core capital (leverage) ratio | 9.7220% | 3,942 |
| Tier 1 risk-based capital ratio | 21.8330% | 1,092 |
| Total risk-based capital ratio | 21.8330% | 1,237 |
| Memoranda: | ||
| Average total assets | $13,709,097,250 | 113 |
| Average earning assets | $13,431,251,250 | 106 |
| Average equity | $1,368,286,250 | 135 |
| Average total loans | $11,913,100,250 | 94 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 3,510 |
| Cost of funding earning assets | 1.6863% | 192 |
| Net interest margin | 2.6563% | 5,035 |
| Noninterest income to average assets | 0.8192% | 1,286 |
| Noninterest expense to average assets | 0.3155% | 5,293 |
| Loan and lease loss provision to assets | 0.0015% | 3,668 |
| Net operating income to assets | 2.4080% | 173 |
| Return on assets (ROA) | 2.4080% | 179 |
| Pretax return on assets | 3.1029% | 109 |
| Return on Equity (ROE) | 23.9904% | 119 |
| Retained earnings to average equity (ytd only) | 23.9904% | 31 |
| Net charge-offs to loans | 0.0017% | 3,121 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2,093.1818% | 27 |
| Efficiency ratio | 9.2257% | 5,296 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,692 |
| Noncurrent loans to loans | 0.0212% | 4,622 |
| Net loans and leases to total assets | 90.6459% | 44 |
| Net loans and leases to deposits | 255.6937% | 5 |
| Net loans and leases to core deposits | 276.5694% | 25 |
| Total domestic deposits to total assets | 35.4510% | 5,268 |
| Equity capital to assets | 9.5825% | 4,328 |
| Core capital (leverage) ratio | 9.4503% | 4,201 |
| Tier 1 risk-based capital ratio | 20.2023% | 1,307 |
| Total risk-based capital ratio | 20.2023% | 1,530 |
| Memoranda: | ||
| Average total assets | $13,350,459,000 | 116 |
| Average earning assets | $13,070,947,330 | 109 |
| Average equity | $1,340,008,670 | 138 |
| Average total loans | $11,812,873,330 | 95 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 3,854 |
| Cost of funding earning assets | 1.6933% | 163 |
| Net interest margin | 2.5090% | 5,186 |
| Noninterest income to average assets | 1.6323% | 333 |
| Noninterest expense to average assets | 0.5917% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7341% | 111 |
| Return on assets (ROA) | 2.7341% | 120 |
| Pretax return on assets | 3.4944% | 88 |
| Return on Equity (ROE) | 26.5339% | 81 |
| Retained earnings to average equity (ytd only) | 26.5339% | 41 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4803% | 5,351 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,770 |
| Noncurrent loans to loans | 0.0207% | 4,687 |
| Net loans and leases to total assets | 90.9977% | 32 |
| Net loans and leases to deposits | 239.3993% | 5 |
| Net loans and leases to core deposits | 259.8195% | 29 |
| Total domestic deposits to total assets | 38.0109% | 5,325 |
| Equity capital to assets | 8.8092% | 4,815 |
| Core capital (leverage) ratio | 9.7747% | 3,837 |
| Tier 1 risk-based capital ratio | 18.5379% | 1,651 |
| Total risk-based capital ratio | 18.5379% | 1,959 |
| Memoranda: | ||
| Average total assets | $12,613,685,000 | 120 |
| Average earning assets | $12,336,064,500 | 112 |
| Average equity | $1,299,758,500 | 139 |
| Average total loans | $11,000,631,500 | 100 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 5,031 |
| Cost of funding earning assets | 1.1004% | 493 |
| Net interest margin | 2.2718% | 5,291 |
| Noninterest income to average assets | 1.5338% | 392 |
| Noninterest expense to average assets | 1.1868% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5419% | 1,013 |
| Return on assets (ROA) | 1.4956% | 1,116 |
| Pretax return on assets | 2.5128% | 202 |
| Return on Equity (ROE) | 11.8374% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.8374% | 332 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5778% | 5,361 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.4135% | 748 |
| Net loans and leases to deposits | 227.8060% | 5 |
| Net loans and leases to core deposits | 229.4902% | 35 |
| Total domestic deposits to total assets | 35.7381% | 5,373 |
| Equity capital to assets | 12.5943% | 1,537 |
| Core capital (leverage) ratio | 14.1348% | 886 |
| Tier 1 risk-based capital ratio | 28.6182% | 530 |
| Total risk-based capital ratio | 28.6182% | 586 |
| Memoranda: | ||
| Average total assets | $9,147,225,400 | 148 |
| Average earning assets | $8,956,896,400 | 136 |
| Average equity | $1,155,682,800 | 148 |
| Average total loans | $5,975,621,800 | 157 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 5,135 |
| Cost of funding earning assets | 1.0557% | 471 |
| Net interest margin | 2.2289% | 5,375 |
| Noninterest income to average assets | 1.4401% | 457 |
| Noninterest expense to average assets | 0.3508% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8889% | 499 |
| Return on assets (ROA) | 1.8256% | 580 |
| Pretax return on assets | 3.1951% | 96 |
| Return on Equity (ROE) | 14.4372% | 1,003 |
| Retained earnings to average equity (ytd only) | 14.4372% | 207 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.6741% | 5,470 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.3472% | 1,441 |
| Net loans and leases to deposits | 197.7077% | 7 |
| Net loans and leases to core deposits | 199.2813% | 39 |
| Total domestic deposits to total assets | 39.1220% | 5,439 |
| Equity capital to assets | 13.7724% | 1,029 |
| Core capital (leverage) ratio | 13.6330% | 1,047 |
| Tier 1 risk-based capital ratio | 32.7130% | 375 |
| Total risk-based capital ratio | 32.7130% | 412 |
| Memoranda: | ||
| Average total assets | $8,942,775,750 | 150 |
| Average earning assets | $8,769,536,750 | 136 |
| Average equity | $1,130,847,250 | 149 |
| Average total loans | $5,441,308,750 | 165 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1507% | 5,264 |
| Cost of funding earning assets | 0.9642% | 550 |
| Net interest margin | 2.1865% | 5,443 |
| Noninterest income to average assets | 1.3006% | 570 |
| Noninterest expense to average assets | 0.3751% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4490% | 1,284 |
| Return on assets (ROA) | 1.3551% | 1,592 |
| Pretax return on assets | 2.9527% | 119 |
| Return on Equity (ROE) | 11.0312% | 2,097 |
| Retained earnings to average equity (ytd only) | 11.0312% | 664 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.8829% | 5,532 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 53.5283% | 4,375 |
| Net loans and leases to deposits | 132.8483% | 34 |
| Net loans and leases to core deposits | 133.7457% | 268 |
| Total domestic deposits to total assets | 40.2928% | 5,504 |
| Equity capital to assets | 12.9635% | 1,312 |
| Core capital (leverage) ratio | 12.6979% | 1,351 |
| Tier 1 risk-based capital ratio | 36.8877% | 279 |
| Total risk-based capital ratio | 36.8877% | 313 |
| Memoranda: | ||
| Average total assets | $9,031,284,330 | 148 |
| Average earning assets | $8,864,225,330 | 132 |
| Average equity | $1,109,440,000 | 150 |
| Average total loans | $5,017,873,670 | 169 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9950% | 5,379 |
| Cost of funding earning assets | 0.8333% | 823 |
| Net interest margin | 2.1617% | 5,514 |
| Noninterest income to average assets | 1.6759% | 354 |
| Noninterest expense to average assets | 0.4369% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2089% | 242 |
| Return on assets (ROA) | 2.2089% | 242 |
| Pretax return on assets | 3.3643% | 87 |
| Return on Equity (ROE) | 18.4683% | 366 |
| Retained earnings to average equity (ytd only) | 18.4683% | 138 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.4937% | 5,599 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.1910% | 2,454 |
| Net loans and leases to deposits | 164.2734% | 8 |
| Net loans and leases to core deposits | 165.1711% | 73 |
| Total domestic deposits to total assets | 42.7281% | 5,561 |
| Equity capital to assets | 12.3742% | 1,565 |
| Core capital (leverage) ratio | 12.2274% | 1,507 |
| Tier 1 risk-based capital ratio | 30.8095% | 446 |
| Total risk-based capital ratio | 30.8095% | 485 |
| Memoranda: | ||
| Average total assets | $9,173,828,500 | 143 |
| Average earning assets | $9,019,022,500 | 130 |
| Average equity | $1,097,254,500 | 148 |
| Average total loans | $5,185,963,500 | 169 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6380% | 1,339 |
| Cost of funding earning assets | 0.1724% | 5,141 |
| Net interest margin | 4.4656% | 674 |
| Noninterest income to average assets | 6.3902% | 84 |
| Noninterest expense to average assets | 2.5218% | 3,708 |
| Loan and lease loss provision to assets | 1.0331% | 93 |
| Net operating income to assets | 4.6202% | 36 |
| Return on assets (ROA) | 4.6202% | 36 |
| Pretax return on assets | 7.2551% | 29 |
| Return on Equity (ROE) | 34.0958% | 24 |
| Retained earnings to average equity (ytd only) | 5.2352% | 1,975 |
| Net charge-offs to loans | 1.5478% | 102 |
| Credit loss provision to net charge-offs | 117.6661% | 2,221 |
| Earnings coverage of net charge-offs (x) | 9.4396% | 2,788 |
| Efficiency ratio | 23.3285% | 5,642 |
| Assets per employee ($millions) | 18.9582% | 54 |
| Cash dividends to net income (ytd only)* | 84.6455% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,201 |
| Noncurrent loans to loans | 0.0020% | 5,065 |
| Net loans and leases to total assets | 43.2092% | 5,017 |
| Net loans and leases to deposits | 97.3170% | 961 |
| Net loans and leases to core deposits | 99.7659% | 1,731 |
| Total domestic deposits to total assets | 44.4005% | 5,625 |
| Equity capital to assets | 11.5575% | 2,149 |
| Core capital (leverage) ratio | 11.8256% | 1,705 |
| Tier 1 risk-based capital ratio | 27.9269% | 546 |
| Total risk-based capital ratio | 27.9269% | 602 |
| Memoranda: | ||
| Average total assets | $8,949,578,200 | 140 |
| Average earning assets | $8,857,961,800 | 125 |
| Average equity | $1,212,725,400 | 134 |
| Average total loans | $5,076,922,000 | 164 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 414 |
| Cost of funding earning assets | 0.0617% | 5,657 |
| Net interest margin | 5.1456% | 181 |
| Noninterest income to average assets | 6.9102% | 83 |
| Noninterest expense to average assets | 2.1486% | 4,637 |
| Loan and lease loss provision to assets | 1.3907% | 67 |
| Net operating income to assets | 5.4793% | 33 |
| Return on assets (ROA) | 5.4793% | 33 |
| Pretax return on assets | 8.4751% | 30 |
| Return on Equity (ROE) | 38.9353% | 18 |
| Retained earnings to average equity (ytd only) | 38.9353% | 8 |
| Net charge-offs to loans | 1.9610% | 72 |
| Credit loss provision to net charge-offs | 117.6661% | 2,038 |
| Earnings coverage of net charge-offs (x) | 8.3474% | 2,794 |
| Efficiency ratio | 17.8838% | 5,719 |
| Assets per employee ($millions) | 18.5830% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.7192% | 163 |
| Net loans and leases to deposits | 113.6744% | 190 |
| Net loans and leases to core deposits | 118.6976% | 626 |
| Total domestic deposits to total assets | 77.1670% | 4,854 |
| Equity capital to assets | 16.2715% | 503 |
| Core capital (leverage) ratio | 15.6360% | 554 |
| Tier 1 risk-based capital ratio | 37.1097% | 278 |
| Total risk-based capital ratio | 37.1097% | 303 |
| Memoranda: | ||
| Average total assets | $8,864,595,000 | 142 |
| Average earning assets | $8,793,481,750 | 126 |
| Average equity | $1,247,498,750 | 129 |
| Average total loans | $5,342,671,500 | 161 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8842% | 62 |
| Cost of funding earning assets | 0.0154% | 5,761 |
| Net interest margin | 6.8688% | 44 |
| Noninterest income to average assets | 9.0304% | 68 |
| Noninterest expense to average assets | 2.1486% | 4,674 |
| Loan and lease loss provision to assets | 2.0817% | 41 |
| Net operating income to assets | 7.5239% | 25 |
| Return on assets (ROA) | 7.5239% | 25 |
| Pretax return on assets | 11.6241% | 24 |
| Return on Equity (ROE) | 56.3752% | 10 |
| Retained earnings to average equity (ytd only) | 56.3752% | 3 |
| Net charge-offs to loans | 3.4556% | 37 |
| Credit loss provision to net charge-offs | 117.6661% | 1,807 |
| Earnings coverage of net charge-offs (x) | 7.7471% | 2,578 |
| Efficiency ratio | 13.5522% | 5,777 |
| Assets per employee ($millions) | 17.6690% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 0.0039% | 5,757 |
| Net loans and leases to deposits | 0.0048% | 5,757 |
| Net loans and leases to core deposits | 0.0050% | 5,746 |
| Total domestic deposits to total assets | 82.1934% | 3,831 |
| Equity capital to assets | 16.1975% | 513 |
| Core capital (leverage) ratio | 15.1308% | 602 |
| Tier 1 risk-based capital ratio | 13.7350% | 3,567 |
| Total risk-based capital ratio | 13.7350% | 4,207 |
| Memoranda: | ||
| Average total assets | $8,883,347,000 | 140 |
| Average earning assets | $8,825,431,330 | 124 |
| Average equity | $1,185,582,330 | 135 |
| Average total loans | $4,548,028,000 | 179 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6913% | 25 |
| Cost of funding earning assets | 0.0088% | 5,828 |
| Net interest margin | 9.6825% | 19 |
| Noninterest income to average assets | 0.0256% | 5,771 |
| Noninterest expense to average assets | 2.1245% | 4,804 |
| Loan and lease loss provision to assets | 3.2375% | 21 |
| Net operating income to assets | 2.7533% | 103 |
| Return on assets (ROA) | 2.7533% | 107 |
| Pretax return on assets | 4.2650% | 70 |
| Return on Equity (ROE) | 22.9545% | 122 |
| Retained earnings to average equity (ytd only) | 22.9545% | 65 |
| Net charge-offs to loans | 3.4763% | 42 |
| Credit loss provision to net charge-offs | 123.4149% | 1,364 |
| Earnings coverage of net charge-offs (x) | 2.8600% | 2,542 |
| Efficiency ratio | 22.0686% | 5,830 |
| Assets per employee ($millions) | 13.9825% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 704 |
| Loan loss allowance to noncurrent loans | 147.5882% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9695% | 1,891 |
| Noncurrent loans to loans | 1.3366% | 1,514 |
| Net loans and leases to total assets | 71.1050% | 2,202 |
| Net loans and leases to deposits | 81.8465% | 2,532 |
| Net loans and leases to core deposits | 85.2703% | 2,787 |
| Total domestic deposits to total assets | 86.8760% | 2,277 |
| Equity capital to assets | 12.4253% | 1,582 |
| Core capital (leverage) ratio | 12.3003% | 1,447 |
| Tier 1 risk-based capital ratio | 15.7097% | 2,659 |
| Total risk-based capital ratio | 16.9667% | 2,602 |
| Memoranda: | ||
| Average total assets | $9,040,293,000 | 138 |
| Average earning assets | $8,964,490,000 | 120 |
| Average equity | $1,084,354,000 | 137 |
| Average total loans | $6,821,874,000 | 128 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4237% | 21 |
| Cost of funding earning assets | 0.0090% | 5,886 |
| Net interest margin | 10.4146% | 16 |
| Noninterest income to average assets | 0.0540% | 5,758 |
| Noninterest expense to average assets | 2.0548% | 5,088 |
| Loan and lease loss provision to assets | 2.8280% | 20 |
| Net operating income to assets | 3.5314% | 60 |
| Return on assets (ROA) | 3.5314% | 61 |
| Pretax return on assets | 5.4981% | 42 |
| Return on Equity (ROE) | 27.3357% | 57 |
| Retained earnings to average equity (ytd only) | 4.6403% | 2,597 |
| Net charge-offs to loans | 2.8226% | 41 |
| Credit loss provision to net charge-offs | 121.9362% | 2,180 |
| Earnings coverage of net charge-offs (x) | 3.5900% | 3,634 |
| Efficiency ratio | 19.7942% | 5,896 |
| Assets per employee ($millions) | 13.4275% | 119 |
| Cash dividends to net income (ytd only)* | 83.0248% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0020% | 76 |
| Loan loss allowance to noncurrent loans | 311.1266% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 1,878 |
| Noncurrent loans to loans | 1.2863% | 1,592 |
| Net loans and leases to total assets | 75.2095% | 1,656 |
| Net loans and leases to deposits | 85.4989% | 2,239 |
| Net loans and leases to core deposits | 88.5510% | 2,625 |
| Total domestic deposits to total assets | 87.9654% | 1,647 |
| Equity capital to assets | 11.5701% | 2,107 |
| Core capital (leverage) ratio | 10.6591% | 2,711 |
| Tier 1 risk-based capital ratio | 12.8680% | 4,154 |
| Total risk-based capital ratio | 12.8680% | 4,889 |
| Memoranda: | ||
| Average total assets | $8,526,846,000 | 138 |
| Average earning assets | $8,455,056,000 | 124 |
| Average equity | $1,101,543,200 | 135 |
| Average total loans | $7,006,417,200 | 118 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4631% | 19 |
| Cost of funding earning assets | 0.0090% | 5,953 |
| Net interest margin | 10.4541% | 15 |
| Noninterest income to average assets | 0.0555% | 5,822 |
| Noninterest expense to average assets | 2.1335% | 4,927 |
| Loan and lease loss provision to assets | 2.8138% | 21 |
| Net operating income to assets | 3.5284% | 63 |
| Return on assets (ROA) | 3.5284% | 64 |
| Pretax return on assets | 5.4742% | 44 |
| Return on Equity (ROE) | 26.5603% | 65 |
| Retained earnings to average equity (ytd only) | 26.5603% | 23 |
| Net charge-offs to loans | 2.7404% | 42 |
| Credit loss provision to net charge-offs | 123.4017% | 2,050 |
| Earnings coverage of net charge-offs (x) | 3.6348% | 3,380 |
| Efficiency ratio | 20.4724% | 5,964 |
| Assets per employee ($millions) | 13.5267% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8894% | 84 |
| Loan loss allowance to noncurrent loans | 339.1418% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 2,263 |
| Noncurrent loans to loans | 1.1468% | 1,961 |
| Net loans and leases to total assets | 76.8674% | 1,387 |
| Net loans and leases to deposits | 89.6914% | 1,798 |
| Net loans and leases to core deposits | 93.0833% | 2,270 |
| Total domestic deposits to total assets | 85.7022% | 2,506 |
| Equity capital to assets | 13.8801% | 1,087 |
| Core capital (leverage) ratio | 13.5734% | 974 |
| Tier 1 risk-based capital ratio | 15.8732% | 2,679 |
| Total risk-based capital ratio | 17.1570% | 2,602 |
| Memoranda: | ||
| Average total assets | $8,382,601,750 | 139 |
| Average earning assets | $8,311,876,000 | 127 |
| Average equity | $1,113,598,500 | 133 |
| Average total loans | $6,974,927,250 | 119 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4764% | 16 |
| Cost of funding earning assets | 0.0090% | 6,029 |
| Net interest margin | 10.4674% | 14 |
| Noninterest income to average assets | 0.0513% | 5,912 |
| Noninterest expense to average assets | 2.2254% | 4,786 |
| Loan and lease loss provision to assets | 3.0165% | 22 |
| Net operating income to assets | 3.3445% | 76 |
| Return on assets (ROA) | 3.3445% | 76 |
| Pretax return on assets | 5.1906% | 49 |
| Return on Equity (ROE) | 25.5878% | 81 |
| Retained earnings to average equity (ytd only) | 25.5878% | 30 |
| Net charge-offs to loans | 2.8409% | 48 |
| Credit loss provision to net charge-offs | 125.8559% | 1,797 |
| Earnings coverage of net charge-offs (x) | 3.4242% | 3,112 |
| Efficiency ratio | 21.3311% | 6,037 |
| Assets per employee ($millions) | 13.0910% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8368% | 92 |
| Loan loss allowance to noncurrent loans | 396.4554% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 2,577 |
| Noncurrent loans to loans | 0.9678% | 2,346 |
| Net loans and leases to total assets | 80.1596% | 876 |
| Net loans and leases to deposits | 93.4280% | 1,350 |
| Net loans and leases to core deposits | 97.0479% | 1,887 |
| Total domestic deposits to total assets | 85.7982% | 2,523 |
| Equity capital to assets | 13.6911% | 1,144 |
| Core capital (leverage) ratio | 13.2100% | 1,085 |
| Tier 1 risk-based capital ratio | 15.3142% | 2,933 |
| Total risk-based capital ratio | 16.5972% | 2,858 |
| Memoranda: | ||
| Average total assets | $8,223,469,670 | 139 |
| Average earning assets | $8,155,778,330 | 127 |
| Average equity | $1,074,873,670 | 134 |
| Average total loans | $6,937,882,670 | 118 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4096% | 17 |
| Cost of funding earning assets | 0.0091% | 6,089 |
| Net interest margin | 10.4005% | 15 |
| Noninterest income to average assets | 0.0479% | 5,975 |
| Noninterest expense to average assets | 2.3720% | 4,447 |
| Loan and lease loss provision to assets | 2.6879% | 26 |
| Net operating income to assets | 3.4185% | 74 |
| Return on assets (ROA) | 3.4185% | 72 |
| Pretax return on assets | 5.3060% | 49 |
| Return on Equity (ROE) | 26.8067% | 78 |
| Retained earnings to average equity (ytd only) | 26.8067% | 38 |
| Net charge-offs to loans | 2.8516% | 41 |
| Credit loss provision to net charge-offs | 111.0449% | 1,512 |
| Earnings coverage of net charge-offs (x) | 3.3025% | 2,559 |
| Efficiency ratio | 22.8831% | 6,097 |
| Assets per employee ($millions) | 13.1957% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6145% | 117 |
| Loan loss allowance to noncurrent loans | 328.8356% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 2,452 |
| Noncurrent loans to loans | 1.0992% | 2,202 |
| Net loans and leases to total assets | 78.3971% | 1,045 |
| Net loans and leases to deposits | 90.7140% | 1,491 |
| Net loans and leases to core deposits | 94.3864% | 1,952 |
| Total domestic deposits to total assets | 86.4223% | 2,481 |
| Equity capital to assets | 12.7814% | 1,518 |
| Core capital (leverage) ratio | 12.5054% | 1,337 |
| Tier 1 risk-based capital ratio | 14.2938% | 3,500 |
| Total risk-based capital ratio | 15.5750% | 3,414 |
| Memoranda: | ||
| Average total assets | $8,152,621,000 | 141 |
| Average earning assets | $8,087,927,500 | 127 |
| Average equity | $1,039,667,000 | 140 |
| Average total loans | $6,920,313,500 | 118 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8922% | 14 |
| Cost of funding earning assets | 0.1254% | 5,850 |
| Net interest margin | 11.7668% | 13 |
| Noninterest income to average assets | 0.1271% | 5,775 |
| Noninterest expense to average assets | 2.5264% | 4,141 |
| Loan and lease loss provision to assets | 3.1019% | 14 |
| Net operating income to assets | 3.9645% | 59 |
| Return on assets (ROA) | 3.9645% | 60 |
| Pretax return on assets | 6.1631% | 41 |
| Return on Equity (ROE) | 28.3628% | 68 |
| Retained earnings to average equity (ytd only) | 2.5655% | 4,244 |
| Net charge-offs to loans | 2.5535% | 47 |
| Credit loss provision to net charge-offs | 129.8358% | 2,018 |
| Earnings coverage of net charge-offs (x) | 3.8780% | 3,645 |
| Efficiency ratio | 21.4259% | 6,162 |
| Assets per employee ($millions) | 11.9491% | 152 |
| Cash dividends to net income (ytd only)* | 90.9547% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4615% | 133 |
| Loan loss allowance to noncurrent loans | 312.8630% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 2,240 |
| Noncurrent loans to loans | 1.1064% | 2,125 |
| Net loans and leases to total assets | 85.6022% | 264 |
| Net loans and leases to deposits | 98.5760% | 776 |
| Net loans and leases to core deposits | 102.7212% | 1,312 |
| Total domestic deposits to total assets | 86.8388% | 2,221 |
| Equity capital to assets | 12.7217% | 1,503 |
| Core capital (leverage) ratio | 12.2814% | 1,464 |
| Tier 1 risk-based capital ratio | 12.9328% | 4,369 |
| Total risk-based capital ratio | 14.0905% | 4,327 |
| Memoranda: | ||
| Average total assets | $6,933,130,600 | 154 |
| Average earning assets | $6,872,769,400 | 139 |
| Average equity | $969,092,200 | 141 |
| Average total loans | $6,486,846,000 | 119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0842% | 14 |
| Cost of funding earning assets | 0.1697% | 5,631 |
| Net interest margin | 11.9145% | 12 |
| Noninterest income to average assets | 0.1525% | 5,725 |
| Noninterest expense to average assets | 2.5147% | 4,151 |
| Loan and lease loss provision to assets | 3.2020% | 11 |
| Net operating income to assets | 4.0231% | 53 |
| Return on assets (ROA) | 4.0231% | 53 |
| Pretax return on assets | 6.2459% | 39 |
| Return on Equity (ROE) | 28.0405% | 74 |
| Retained earnings to average equity (ytd only) | -6.6612% | 6,070 |
| Net charge-offs to loans | 2.5147% | 44 |
| Credit loss provision to net charge-offs | 134.0311% | 1,833 |
| Earnings coverage of net charge-offs (x) | 3.9547% | 3,429 |
| Efficiency ratio | 21.0211% | 6,250 |
| Assets per employee ($millions) | 11.0528% | 192 |
| Cash dividends to net income (ytd only)* | 123.7556% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4780% | 156 |
| Loan loss allowance to noncurrent loans | 355.3347% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 2,649 |
| Noncurrent loans to loans | 0.9788% | 2,536 |
| Net loans and leases to total assets | 87.6233% | 157 |
| Net loans and leases to deposits | 100.8176% | 619 |
| Net loans and leases to core deposits | 105.3663% | 1,144 |
| Total domestic deposits to total assets | 86.9126% | 2,091 |
| Equity capital to assets | 12.6131% | 1,682 |
| Core capital (leverage) ratio | 12.5474% | 1,383 |
| Tier 1 risk-based capital ratio | 12.8796% | 4,502 |
| Total risk-based capital ratio | 14.1619% | 4,402 |
| Memoranda: | ||
| Average total assets | $6,694,814,750 | 160 |
| Average earning assets | $6,636,166,750 | 144 |
| Average equity | $960,544,250 | 144 |
| Average total loans | $6,360,311,250 | 119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2547% | 15 |
| Cost of funding earning assets | 0.2070% | 5,380 |
| Net interest margin | 12.0478% | 13 |
| Noninterest income to average assets | 0.2137% | 5,415 |
| Noninterest expense to average assets | 2.5656% | 4,018 |
| Loan and lease loss provision to assets | 2.5055% | 19 |
| Net operating income to assets | 4.5660% | 54 |
| Return on assets (ROA) | 4.5660% | 54 |
| Pretax return on assets | 7.0839% | 39 |
| Return on Equity (ROE) | 30.4213% | 63 |
| Retained earnings to average equity (ytd only) | -21.1336% | 6,269 |
| Net charge-offs to loans | 2.6665% | 47 |
| Credit loss provision to net charge-offs | 97.2547% | 2,109 |
| Earnings coverage of net charge-offs (x) | 3.7223% | 3,147 |
| Efficiency ratio | 21.1076% | 6,325 |
| Assets per employee ($millions) | 9.6930% | 289 |
| Cash dividends to net income (ytd only)* | 169.4697% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0044% | 268 |
| Loan loss allowance to noncurrent loans | 364.1675% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 2,988 |
| Noncurrent loans to loans | 0.8250% | 3,061 |
| Net loans and leases to total assets | 93.9269% | 9 |
| Net loans and leases to deposits | 142,091.0983% | 1 |
| Net loans and leases to core deposits | 142,091.0983% | 2 |
| Total domestic deposits to total assets | 0.0661% | 6,354 |
| Equity capital to assets | 13.3919% | 1,218 |
| Core capital (leverage) ratio | 12.4135% | 1,423 |
| Tier 1 risk-based capital ratio | 12.1495% | 5,039 |
| Total risk-based capital ratio | 12.6261% | 5,463 |
| Memoranda: | ||
| Average total assets | $6,461,642,670 | 163 |
| Average earning assets | $6,404,539,670 | 149 |
| Average equity | $969,841,000 | 144 |
| Average total loans | $6,242,876,330 | 120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4154% | 14 |
| Cost of funding earning assets | 0.2099% | 5,419 |
| Net interest margin | 12.2056% | 12 |
| Noninterest income to average assets | 0.3741% | 4,211 |
| Noninterest expense to average assets | 2.5945% | 3,956 |
| Loan and lease loss provision to assets | 3.0531% | 16 |
| Net operating income to assets | 4.3983% | 54 |
| Return on assets (ROA) | 4.3983% | 57 |
| Pretax return on assets | 6.8262% | 44 |
| Return on Equity (ROE) | 27.7788% | 72 |
| Retained earnings to average equity (ytd only) | 27.7788% | 30 |
| Net charge-offs to loans | 2.7140% | 53 |
| Credit loss provision to net charge-offs | 116.5763% | 1,470 |
| Earnings coverage of net charge-offs (x) | 3.7722% | 2,569 |
| Efficiency ratio | 20.7996% | 6,395 |
| Assets per employee ($millions) | 9.5902% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2798% | 221 |
| Loan loss allowance to noncurrent loans | 332.8964% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 2,721 |
| Noncurrent loans to loans | 0.9852% | 2,799 |
| Net loans and leases to total assets | 93.4245% | 13 |
| Net loans and leases to deposits | 132,547.6920% | 1 |
| Net loans and leases to core deposits | 132,547.6920% | 2 |
| Total domestic deposits to total assets | 0.0705% | 6,426 |
| Equity capital to assets | 16.7063% | 470 |
| Core capital (leverage) ratio | 16.3737% | 425 |
| Tier 1 risk-based capital ratio | 17.1684% | 2,416 |
| Total risk-based capital ratio | 18.4433% | 2,364 |
| Memoranda: | ||
| Average total assets | $6,421,069,500 | 162 |
| Average earning assets | $6,365,427,000 | 149 |
| Average equity | $1,016,660,000 | 135 |
| Average total loans | $6,196,417,500 | 120 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4150% | 16 |
| Cost of funding earning assets | 0.2113% | 5,657 |
| Net interest margin | 12.2037% | 16 |
| Noninterest income to average assets | 0.0282% | 6,345 |
| Noninterest expense to average assets | 2.6552% | 4,023 |
| Loan and lease loss provision to assets | 2.7118% | 20 |
| Net operating income to assets | 4.3624% | 50 |
| Return on assets (ROA) | 4.3624% | 50 |
| Pretax return on assets | 6.7614% | 37 |
| Return on Equity (ROE) | 28.7435% | 69 |
| Retained earnings to average equity (ytd only) | -4.2450% | 6,148 |
| Net charge-offs to loans | 2.3768% | 64 |
| Credit loss provision to net charge-offs | 119.6429% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.1795% | 3,713 |
| Efficiency ratio | 21.8924% | 6,487 |
| Assets per employee ($millions) | 10.0174% | 251 |
| Cash dividends to net income (ytd only)* | 114.7684% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0545% | 283 |
| Loan loss allowance to noncurrent loans | 314.9549% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 2,878 |
| Noncurrent loans to loans | 0.9698% | 2,898 |
| Net loans and leases to total assets | 93.4686% | 11 |
| Net loans and leases to deposits | 226,701.7056% | 1 |
| Net loans and leases to core deposits | 226,701.7056% | 2 |
| Total domestic deposits to total assets | 0.0412% | 6,517 |
| Equity capital to assets | 14.9922% | 704 |
| Core capital (leverage) ratio | 15.3766% | 552 |
| Tier 1 risk-based capital ratio | 15.3283% | 3,300 |
| Total risk-based capital ratio | 16.6001% | 3,247 |
| Memoranda: | ||
| Average total assets | $5,991,970,400 | 167 |
| Average earning assets | $5,941,213,400 | 152 |
| Average equity | $909,407,800 | 143 |
| Average total loans | $5,714,284,600 | 123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4646% | 15 |
| Cost of funding earning assets | 0.2098% | 5,755 |
| Net interest margin | 12.2548% | 15 |
| Noninterest income to average assets | 0.0325% | 6,418 |
| Noninterest expense to average assets | 2.6396% | 4,054 |
| Loan and lease loss provision to assets | 2.4598% | 25 |
| Net operating income to assets | 4.5778% | 50 |
| Return on assets (ROA) | 4.5778% | 51 |
| Pretax return on assets | 7.0842% | 39 |
| Return on Equity (ROE) | 30.0600% | 60 |
| Retained earnings to average equity (ytd only) | -14.8028% | 6,445 |
| Net charge-offs to loans | 2.3572% | 70 |
| Credit loss provision to net charge-offs | 109.7584% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.2586% | 3,500 |
| Efficiency ratio | 21.6654% | 6,568 |
| Assets per employee ($millions) | 9.4587% | 283 |
| Cash dividends to net income (ytd only)* | 149.2441% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9375% | 384 |
| Loan loss allowance to noncurrent loans | 333.5499% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 3,304 |
| Noncurrent loans to loans | 0.8807% | 3,369 |
| Net loans and leases to total assets | 93.0676% | 17 |
| Net loans and leases to deposits | 237,071.9657% | 1 |
| Net loans and leases to core deposits | 237,071.9657% | 2 |
| Total domestic deposits to total assets | 0.0393% | 6,598 |
| Equity capital to assets | 14.7111% | 806 |
| Core capital (leverage) ratio | 15.1896% | 592 |
| Tier 1 risk-based capital ratio | 15.1507% | 3,507 |
| Total risk-based capital ratio | 16.4211% | 3,430 |
| Memoranda: | ||
| Average total assets | $5,854,615,750 | 167 |
| Average earning assets | $5,805,092,250 | 155 |
| Average equity | $891,585,250 | 145 |
| Average total loans | $5,566,159,750 | 124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4870% | 15 |
| Cost of funding earning assets | 0.2071% | 5,855 |
| Net interest margin | 12.2799% | 13 |
| Noninterest income to average assets | 0.0307% | 6,492 |
| Noninterest expense to average assets | 2.6489% | 4,061 |
| Loan and lease loss provision to assets | 2.0895% | 31 |
| Net operating income to assets | 4.8256% | 54 |
| Return on assets (ROA) | 4.8256% | 54 |
| Pretax return on assets | 7.4670% | 37 |
| Return on Equity (ROE) | 31.3018% | 50 |
| Retained earnings to average equity (ytd only) | -36.6392% | 6,609 |
| Net charge-offs to loans | 2.4923% | 78 |
| Credit loss provision to net charge-offs | 88.4565% | 2,207 |
| Earnings coverage of net charge-offs (x) | 4.0457% | 3,184 |
| Efficiency ratio | 21.7025% | 6,636 |
| Assets per employee ($millions) | 9.4384% | 284 |
| Cash dividends to net income (ytd only)* | 217.0516% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8370% | 457 |
| Loan loss allowance to noncurrent loans | 377.2956% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 3,840 |
| Noncurrent loans to loans | 0.7519% | 3,821 |
| Net loans and leases to total assets | 92.4097% | 19 |
| Net loans and leases to deposits | 245,084.9321% | 1 |
| Net loans and leases to core deposits | 245,084.9321% | 2 |
| Total domestic deposits to total assets | 0.0377% | 6,665 |
| Equity capital to assets | 14.5871% | 798 |
| Core capital (leverage) ratio | 15.1129% | 588 |
| Tier 1 risk-based capital ratio | 15.1653% | 3,547 |
| Total risk-based capital ratio | 16.4345% | 3,478 |
| Memoranda: | ||
| Average total assets | $5,728,399,330 | 170 |
| Average earning assets | $5,679,328,670 | 158 |
| Average equity | $883,119,000 | 146 |
| Average total loans | $5,429,308,000 | 129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6597% | 14 |
| Cost of funding earning assets | 0.2036% | 5,961 |
| Net interest margin | 12.4561% | 13 |
| Noninterest income to average assets | 0.0320% | 6,532 |
| Noninterest expense to average assets | 2.8587% | 3,346 |
| Loan and lease loss provision to assets | 1.5874% | 55 |
| Net operating income to assets | 5.1258% | 49 |
| Return on assets (ROA) | 5.1258% | 49 |
| Pretax return on assets | 7.9300% | 36 |
| Return on Equity (ROE) | 32.3478% | 55 |
| Retained earnings to average equity (ytd only) | -101.4038% | 6,714 |
| Net charge-offs to loans | 2.5555% | 89 |
| Credit loss provision to net charge-offs | 65.6547% | 2,048 |
| Earnings coverage of net charge-offs (x) | 3.9365% | 2,598 |
| Efficiency ratio | 23.0983% | 6,701 |
| Assets per employee ($millions) | 9.2402% | 316 |
| Cash dividends to net income (ytd only)* | 413.4794% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9195% | 470 |
| Loan loss allowance to noncurrent loans | 328.7926% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 3,625 |
| Noncurrent loans to loans | 0.8879% | 3,661 |
| Net loans and leases to total assets | 91.8790% | 18 |
| Net loans and leases to deposits | 191,622.8326% | 1 |
| Net loans and leases to core deposits | 191,622.8326% | 2 |
| Total domestic deposits to total assets | 0.0479% | 6,736 |
| Equity capital to assets | 14.0583% | 899 |
| Core capital (leverage) ratio | 13.9471% | 835 |
| Tier 1 risk-based capital ratio | 14.7250% | 3,874 |
| Total risk-based capital ratio | 15.9952% | 3,806 |
| Memoranda: | ||
| Average total assets | $5,661,967,500 | 170 |
| Average earning assets | $5,611,013,000 | 159 |
| Average equity | $897,185,500 | 144 |
| Average total loans | $5,356,698,000 | 129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6216% | 16 |
| Cost of funding earning assets | 0.2080% | 6,243 |
| Net interest margin | 12.4136% | 15 |
| Noninterest income to average assets | 0.0738% | 6,474 |
| Noninterest expense to average assets | 2.5090% | 4,738 |
| Loan and lease loss provision to assets | 2.6534% | 25 |
| Net operating income to assets | 4.6472% | 53 |
| Return on assets (ROA) | 4.6472% | 52 |
| Pretax return on assets | 7.1949% | 39 |
| Return on Equity (ROE) | 27.7150% | 92 |
| Retained earnings to average equity (ytd only) | 27.7150% | 39 |
| Net charge-offs to loans | 2.4237% | 124 |
| Credit loss provision to net charge-offs | 117.9891% | 2,039 |
| Earnings coverage of net charge-offs (x) | 4.3792% | 3,584 |
| Efficiency ratio | 20.3038% | 6,791 |
| Assets per employee ($millions) | 9.5081% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0556% | 440 |
| Loan loss allowance to noncurrent loans | 325.4073% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 3,673 |
| Noncurrent loans to loans | 0.9390% | 3,639 |
| Net loans and leases to total assets | 91.6859% | 19 |
| Net loans and leases to deposits | 219,026.6639% | 1 |
| Net loans and leases to core deposits | 219,026.6639% | 2 |
| Total domestic deposits to total assets | 0.0419% | 6,819 |
| Equity capital to assets | 17.5830% | 347 |
| Core capital (leverage) ratio | 18.1136% | 293 |
| Tier 1 risk-based capital ratio | 18.4936% | 2,082 |
| Total risk-based capital ratio | 19.7655% | 2,044 |
| Memoranda: | ||
| Average total assets | $5,331,385,600 | 170 |
| Average earning assets | $5,275,501,000 | 161 |
| Average equity | $893,949,000 | 137 |
| Average total loans | $4,946,732,200 | 134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6492% | 16 |
| Cost of funding earning assets | 0.2077% | 6,368 |
| Net interest margin | 12.4416% | 16 |
| Noninterest income to average assets | 0.0774% | 6,551 |
| Noninterest expense to average assets | 2.3477% | 5,190 |
| Loan and lease loss provision to assets | 2.6014% | 26 |
| Net operating income to assets | 4.8042% | 41 |
| Return on assets (ROA) | 4.8042% | 41 |
| Pretax return on assets | 7.4375% | 35 |
| Return on Equity (ROE) | 29.0395% | 76 |
| Retained earnings to average equity (ytd only) | 29.0395% | 35 |
| Net charge-offs to loans | 2.4107% | 134 |
| Credit loss provision to net charge-offs | 116.9240% | 2,015 |
| Earnings coverage of net charge-offs (x) | 4.5121% | 3,423 |
| Efficiency ratio | 18.9532% | 6,872 |
| Assets per employee ($millions) | 18.1657% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0847% | 504 |
| Loan loss allowance to noncurrent loans | 358.3694% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 4,087 |
| Noncurrent loans to loans | 0.8608% | 4,097 |
| Net loans and leases to total assets | 90.8487% | 28 |
| Net loans and leases to deposits | 236,765.9564% | 1 |
| Net loans and leases to core deposits | 236,765.9564% | 2 |
| Total domestic deposits to total assets | 0.0384% | 6,895 |
| Equity capital to assets | 17.3286% | 382 |
| Core capital (leverage) ratio | 17.8326% | 315 |
| Tier 1 risk-based capital ratio | 18.1945% | 2,248 |
| Total risk-based capital ratio | 19.4665% | 2,204 |
| Memoranda: | ||
| Average total assets | $5,228,514,750 | 171 |
| Average earning assets | $5,172,889,500 | 159 |
| Average equity | $864,993,750 | 139 |
| Average total loans | $4,825,574,750 | 133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6675% | 15 |
| Cost of funding earning assets | 0.2065% | 6,441 |
| Net interest margin | 12.4611% | 15 |
| Noninterest income to average assets | 0.0874% | 6,566 |
| Noninterest expense to average assets | 2.3375% | 5,249 |
| Loan and lease loss provision to assets | 2.5947% | 33 |
| Net operating income to assets | 4.8363% | 43 |
| Return on assets (ROA) | 4.8363% | 44 |
| Pretax return on assets | 7.4851% | 33 |
| Return on Equity (ROE) | 29.7374% | 73 |
| Retained earnings to average equity (ytd only) | 29.7374% | 34 |
| Net charge-offs to loans | 2.5841% | 140 |
| Credit loss provision to net charge-offs | 109.4039% | 2,021 |
| Earnings coverage of net charge-offs (x) | 4.2501% | 3,179 |
| Efficiency ratio | 18.8245% | 6,917 |
| Assets per employee ($millions) | 17.3796% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0985% | 529 |
| Loan loss allowance to noncurrent loans | 422.8880% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 4,524 |
| Noncurrent loans to loans | 0.7327% | 4,461 |
| Net loans and leases to total assets | 89.7466% | 47 |
| Net loans and leases to deposits | 227,024.8066% | 1 |
| Net loans and leases to core deposits | 227,024.8066% | 2 |
| Total domestic deposits to total assets | 0.0395% | 6,946 |
| Equity capital to assets | 16.9941% | 414 |
| Core capital (leverage) ratio | 17.6707% | 308 |
| Tier 1 risk-based capital ratio | 17.9848% | 2,320 |
| Total risk-based capital ratio | 19.2567% | 2,281 |
| Memoranda: | ||
| Average total assets | $5,136,618,670 | 171 |
| Average earning assets | $5,082,552,330 | 160 |
| Average equity | $835,391,670 | 140 |
| Average total loans | $4,714,214,330 | 135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7681% | 15 |
| Cost of funding earning assets | 0.2085% | 6,534 |
| Net interest margin | 12.5596% | 14 |
| Noninterest income to average assets | 0.0893% | 6,612 |
| Noninterest expense to average assets | 2.3304% | 5,340 |
| Loan and lease loss provision to assets | 2.4313% | 43 |
| Net operating income to assets | 5.0201% | 44 |
| Return on assets (ROA) | 5.0201% | 47 |
| Pretax return on assets | 7.7686% | 35 |
| Return on Equity (ROE) | 31.5969% | 65 |
| Retained earnings to average equity (ytd only) | 31.5969% | 39 |
| Net charge-offs to loans | 2.6030% | 152 |
| Credit loss provision to net charge-offs | 102.2544% | 1,795 |
| Earnings coverage of net charge-offs (x) | 4.2898% | 2,586 |
| Efficiency ratio | 18.5980% | 6,998 |
| Assets per employee ($millions) | 17.5240% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1498% | 570 |
| Loan loss allowance to noncurrent loans | 324.5163% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 4,164 |
| Noncurrent loans to loans | 0.9706% | 4,189 |
| Net loans and leases to total assets | 88.6933% | 62 |
| Net loans and leases to deposits | 176,313.3202% | 1 |
| Net loans and leases to core deposits | 176,313.3202% | 2 |
| Total domestic deposits to total assets | 0.0503% | 7,025 |
| Equity capital to assets | 16.6884% | 464 |
| Core capital (leverage) ratio | 16.4350% | 409 |
| Tier 1 risk-based capital ratio | 17.5495% | 2,538 |
| Total risk-based capital ratio | 18.8219% | 2,501 |
| Memoranda: | ||
| Average total assets | $5,089,300,000 | 175 |
| Average earning assets | $5,041,245,000 | 163 |
| Average equity | $808,585,000 | 146 |
| Average total loans | $4,648,824,500 | 138 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0922% | 14 |
| Cost of funding earning assets | 0.2839% | 6,529 |
| Net interest margin | 12.8083% | 13 |
| Noninterest income to average assets | 0.0805% | 6,583 |
| Noninterest expense to average assets | 2.4965% | 5,109 |
| Loan and lease loss provision to assets | 2.0942% | 85 |
| Net operating income to assets | 5.2717% | 40 |
| Return on assets (ROA) | 5.2717% | 41 |
| Pretax return on assets | 8.1586% | 36 |
| Return on Equity (ROE) | 36.8145% | 33 |
| Retained earnings to average equity (ytd only) | 36.8145% | 11 |
| Net charge-offs to loans | 2.2683% | 295 |
| Credit loss provision to net charge-offs | 100.2160% | 3,022 |
| Earnings coverage of net charge-offs (x) | 4.9064% | 3,210 |
| Efficiency ratio | 19.5814% | 7,055 |
| Assets per employee ($millions) | 17.8792% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0775% | 614 |
| Loan loss allowance to noncurrent loans | 318.0042% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 4,282 |
| Noncurrent loans to loans | 0.9678% | 4,261 |
| Net loans and leases to total assets | 88.3135% | 78 |
| Net loans and leases to deposits | 159,840.2109% | 1 |
| Net loans and leases to core deposits | 159,840.2109% | 2 |
| Total domestic deposits to total assets | 0.0553% | 7,088 |
| Equity capital to assets | 15.1061% | 709 |
| Core capital (leverage) ratio | 15.7565% | 482 |
| Tier 1 risk-based capital ratio | 15.9092% | 3,211 |
| Total risk-based capital ratio | 17.1807% | 3,162 |
| Memoranda: | ||
| Average total assets | $4,585,445,200 | 181 |
| Average earning assets | $4,535,500,800 | 170 |
| Average equity | $656,612,800 | 161 |
| Average total loans | $4,224,456,800 | 141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2702% | 14 |
| Cost of funding earning assets | 0.3116% | 6,555 |
| Net interest margin | 12.9586% | 12 |
| Noninterest income to average assets | 0.0845% | 6,671 |
| Noninterest expense to average assets | 2.4907% | 5,115 |
| Loan and lease loss provision to assets | 1.7691% | 163 |
| Net operating income to assets | 5.5887% | 36 |
| Return on assets (ROA) | 5.5887% | 36 |
| Pretax return on assets | 8.6369% | 35 |
| Return on Equity (ROE) | 39.6598% | 28 |
| Retained earnings to average equity (ytd only) | 39.6598% | 14 |
| Net charge-offs to loans | 2.2405% | 303 |
| Credit loss provision to net charge-offs | 85.4330% | 3,450 |
| Earnings coverage of net charge-offs (x) | 5.0253% | 3,133 |
| Efficiency ratio | 19.3131% | 7,155 |
| Assets per employee ($millions) | 16.8118% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0000% | 711 |
| Loan loss allowance to noncurrent loans | 351.2570% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 4,719 |
| Noncurrent loans to loans | 0.8541% | 4,708 |
| Net loans and leases to total assets | 90.1978% | 41 |
| Net loans and leases to deposits | 184,547.4043% | 1 |
| Net loans and leases to core deposits | 184,547.4043% | 2 |
| Total domestic deposits to total assets | 0.0489% | 7,187 |
| Equity capital to assets | 15.0778% | 802 |
| Core capital (leverage) ratio | 15.3897% | 553 |
| Tier 1 risk-based capital ratio | 15.7253% | 3,410 |
| Total risk-based capital ratio | 16.9964% | 3,364 |
| Memoranda: | ||
| Average total assets | $4,444,502,000 | 187 |
| Average earning assets | $4,394,284,000 | 178 |
| Average equity | $626,304,500 | 166 |
| Average total loans | $4,107,609,250 | 146 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3133% | 14 |
| Cost of funding earning assets | 0.3203% | 6,646 |
| Net interest margin | 12.9930% | 12 |
| Noninterest income to average assets | 0.1029% | 6,664 |
| Noninterest expense to average assets | 2.5476% | 4,969 |
| Loan and lease loss provision to assets | 2.1173% | 126 |
| Net operating income to assets | 5.3543% | 44 |
| Return on assets (ROA) | 5.3543% | 44 |
| Pretax return on assets | 8.2745% | 35 |
| Return on Equity (ROE) | 39.0084% | 42 |
| Retained earnings to average equity (ytd only) | 39.0084% | 29 |
| Net charge-offs to loans | 2.4251% | 301 |
| Credit loss provision to net charge-offs | 94.6813% | 2,915 |
| Earnings coverage of net charge-offs (x) | 4.6470% | 3,029 |
| Efficiency ratio | 19.6891% | 7,216 |
| Assets per employee ($millions) | 15.3692% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4315% | 521 |
| Loan loss allowance to noncurrent loans | 442.0772% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 5,010 |
| Noncurrent loans to loans | 0.7762% | 4,955 |
| Net loans and leases to total assets | 88.8016% | 62 |
| Net loans and leases to deposits | 168,580.9222% | 1 |
| Net loans and leases to core deposits | 168,580.9222% | 2 |
| Total domestic deposits to total assets | 0.0527% | 7,252 |
| Equity capital to assets | 14.5414% | 908 |
| Core capital (leverage) ratio | 14.8606% | 621 |
| Tier 1 risk-based capital ratio | 15.3152% | 3,567 |
| Total risk-based capital ratio | 16.5915% | 3,505 |
| Memoranda: | ||
| Average total assets | $4,323,278,330 | 190 |
| Average earning assets | $4,271,221,330 | 178 |
| Average equity | $593,416,330 | 175 |
| Average total loans | $3,986,480,670 | 146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6043% | 13 |
| Cost of funding earning assets | 0.3222% | 6,767 |
| Net interest margin | 13.2821% | 12 |
| Noninterest income to average assets | 0.1050% | 6,715 |
| Noninterest expense to average assets | 2.6922% | 4,450 |
| Loan and lease loss provision to assets | 2.5574% | 96 |
| Net operating income to assets | 5.1578% | 45 |
| Return on assets (ROA) | 5.1578% | 49 |
| Pretax return on assets | 7.9718% | 41 |
| Return on Equity (ROE) | 38.7962% | 55 |
| Retained earnings to average equity (ytd only) | 38.7962% | 36 |
| Net charge-offs to loans | 2.5404% | 319 |
| Credit loss provision to net charge-offs | 109.0182% | 2,144 |
| Earnings coverage of net charge-offs (x) | 4.4884% | 2,561 |
| Efficiency ratio | 20.3624% | 7,275 |
| Assets per employee ($millions) | 15.7077% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7552% | 446 |
| Loan loss allowance to noncurrent loans | 383.5027% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 4,748 |
| Noncurrent loans to loans | 0.9792% | 4,717 |
| Net loans and leases to total assets | 87.5180% | 80 |
| Net loans and leases to deposits | 165,255.3501% | 1 |
| Net loans and leases to core deposits | 165,255.3501% | 2 |
| Total domestic deposits to total assets | 0.0530% | 7,314 |
| Equity capital to assets | 13.7846% | 1,098 |
| Core capital (leverage) ratio | 13.9384% | 819 |
| Tier 1 risk-based capital ratio | 14.6407% | 3,992 |
| Total risk-based capital ratio | 15.9208% | 3,936 |
| Memoranda: | ||
| Average total assets | $4,241,008,500 | 189 |
| Average earning assets | $4,188,112,500 | 178 |
| Average equity | $563,828,500 | 176 |
| Average total loans | $3,916,287,000 | 147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9541% | 14 |
| Cost of funding earning assets | 0.3174% | 7,075 |
| Net interest margin | 13.6367% | 12 |
| Noninterest income to average assets | 0.1366% | 6,471 |
| Noninterest expense to average assets | 3.0115% | 3,551 |
| Loan and lease loss provision to assets | 0.8116% | 1,203 |
| Net operating income to assets | 6.2725% | 31 |
| Return on assets (ROA) | 6.2725% | 32 |
| Pretax return on assets | 9.7045% | 27 |
| Return on Equity (ROE) | 43.2555% | 14 |
| Retained earnings to average equity (ytd only) | 2.5261% | 4,429 |
| Net charge-offs to loans | 3.2505% | 264 |
| Credit loss provision to net charge-offs | 26.8497% | 5,830 |
| Earnings coverage of net charge-offs (x) | 3.4789% | 3,505 |
| Efficiency ratio | 22.2618% | 7,327 |
| Assets per employee ($millions) | 14.7151% | 95 |
| Cash dividends to net income (ytd only)* | 94.1600% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6659% | 478 |
| Loan loss allowance to noncurrent loans | 343.1529% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 4,604 |
| Noncurrent loans to loans | 1.0683% | 4,570 |
| Net loans and leases to total assets | 90.3476% | 38 |
| Net loans and leases to deposits | 197,859.5300% | 1 |
| Net loans and leases to core deposits | 197,859.5300% | 3 |
| Total domestic deposits to total assets | 0.0457% | 7,362 |
| Equity capital to assets | 12.7937% | 1,603 |
| Core capital (leverage) ratio | 12.9870% | 1,146 |
| Tier 1 risk-based capital ratio | 13.1591% | 4,953 |
| Total risk-based capital ratio | 14.4382% | 4,900 |
| Memoranda: | ||
| Average total assets | $3,809,540,600 | 207 |
| Average earning assets | $3,740,916,800 | 191 |
| Average equity | $552,426,600 | 178 |
| Average total loans | $3,542,682,000 | 160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0187% | 15 |
| Cost of funding earning assets | 0.3114% | 7,196 |
| Net interest margin | 13.7073% | 13 |
| Noninterest income to average assets | 0.1339% | 6,583 |
| Noninterest expense to average assets | 3.1221% | 3,083 |
| Loan and lease loss provision to assets | 0.3896% | 2,520 |
| Net operating income to assets | 6.5201% | 31 |
| Return on assets (ROA) | 6.5201% | 32 |
| Pretax return on assets | 10.0621% | 27 |
| Return on Equity (ROE) | 43.5158% | 20 |
| Retained earnings to average equity (ytd only) | -10.4012% | 6,866 |
| Net charge-offs to loans | 3.4964% | 224 |
| Credit loss provision to net charge-offs | 12.0123% | 5,649 |
| Earnings coverage of net charge-offs (x) | 3.2222% | 3,534 |
| Efficiency ratio | 23.0006% | 7,393 |
| Assets per employee ($millions) | 12.9737% | 128 |
| Cash dividends to net income (ytd only)* | 123.9021% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0527% | 375 |
| Loan loss allowance to noncurrent loans | 403.5058% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 4,894 |
| Noncurrent loans to loans | 1.0044% | 4,880 |
| Net loans and leases to total assets | 88.8177% | 58 |
| Net loans and leases to deposits | 191,526.9962% | 1 |
| Net loans and leases to core deposits | 191,526.9962% | 3 |
| Total domestic deposits to total assets | 0.0464% | 7,440 |
| Equity capital to assets | 12.0855% | 2,186 |
| Core capital (leverage) ratio | 12.2529% | 1,561 |
| Tier 1 risk-based capital ratio | 12.4195% | 5,556 |
| Total risk-based capital ratio | 13.7028% | 5,527 |
| Memoranda: | ||
| Average total assets | $3,713,472,000 | 211 |
| Average earning assets | $3,641,057,500 | 193 |
| Average equity | $556,397,000 | 179 |
| Average total loans | $3,445,053,500 | 161 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1522% | 15 |
| Cost of funding earning assets | 0.3099% | 7,293 |
| Net interest margin | 13.8423% | 12 |
| Noninterest income to average assets | 0.1327% | 6,660 |
| Noninterest expense to average assets | 3.2118% | 2,860 |
| Loan and lease loss provision to assets | -0.1878% | 7,447 |
| Net operating income to assets | 6.9066% | 34 |
| Return on assets (ROA) | 6.9066% | 34 |
| Pretax return on assets | 10.6562% | 30 |
| Return on Equity (ROE) | 43.0582% | 28 |
| Retained earnings to average equity (ytd only) | 43.0582% | 19 |
| Net charge-offs to loans | 3.8706% | 214 |
| Credit loss provision to net charge-offs | -5.2263% | 6,170 |
| Earnings coverage of net charge-offs (x) | 2.9130% | 3,392 |
| Efficiency ratio | 23.4776% | 7,462 |
| Assets per employee ($millions) | 11.9234% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7066% | 235 |
| Loan loss allowance to noncurrent loans | 431.4634% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 4,872 |
| Noncurrent loans to loans | 1.0909% | 4,846 |
| Net loans and leases to total assets | 87.2658% | 102 |
| Net loans and leases to deposits | 154,461.0024% | 2 |
| Net loans and leases to core deposits | 154,461.0024% | 3 |
| Total domestic deposits to total assets | 0.0565% | 7,517 |
| Equity capital to assets | 17.4480% | 432 |
| Core capital (leverage) ratio | 17.9320% | 334 |
| Tier 1 risk-based capital ratio | 18.3329% | 2,063 |
| Total risk-based capital ratio | 19.6242% | 2,000 |
| Memoranda: | ||
| Average total assets | $3,627,981,000 | 217 |
| Average earning assets | $3,550,671,000 | 201 |
| Average equity | $581,933,000 | 174 |
| Average total loans | $3,368,422,670 | 167 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6678% | 15 |
| Cost of funding earning assets | 0.3167% | 7,362 |
| Net interest margin | 14.3511% | 12 |
| Noninterest income to average assets | 0.1256% | 6,790 |
| Noninterest expense to average assets | 3.1742% | 2,987 |
| Loan and lease loss provision to assets | 0.6428% | 1,340 |
| Net operating income to assets | 6.6884% | 39 |
| Return on assets (ROA) | 6.6884% | 41 |
| Pretax return on assets | 10.3207% | 32 |
| Return on Equity (ROE) | 43.6790% | 41 |
| Retained earnings to average equity (ytd only) | 43.6790% | 33 |
| Net charge-offs to loans | 4.3944% | 193 |
| Credit loss provision to net charge-offs | 15.6451% | 4,322 |
| Earnings coverage of net charge-offs (x) | 2.6683% | 3,010 |
| Efficiency ratio | 22.4521% | 7,525 |
| Assets per employee ($millions) | 11.5568% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0488% | 97 |
| Loan loss allowance to noncurrent loans | 417.1702% | 752 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 4,280 |
| Noncurrent loans to loans | 1.4500% | 4,295 |
| Net loans and leases to total assets | 87.2418% | 96 |
| Net loans and leases to deposits | 121,967.3697% | 2 |
| Net loans and leases to core deposits | 121,967.3697% | 2 |
| Total domestic deposits to total assets | 0.0715% | 7,579 |
| Equity capital to assets | 16.4835% | 500 |
| Core capital (leverage) ratio | 16.1104% | 481 |
| Tier 1 risk-based capital ratio | 17.2506% | 2,392 |
| Total risk-based capital ratio | 18.5586% | 2,345 |
| Memoranda: | ||
| Average total assets | $3,587,890,500 | 217 |
| Average earning assets | $3,503,150,500 | 201 |
| Average equity | $549,399,000 | 181 |
| Average total loans | $3,354,741,500 | 167 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0722% | 18 |
| Cost of funding earning assets | 0.3281% | 7,486 |
| Net interest margin | 13.7441% | 12 |
| Noninterest income to average assets | 0.1160% | 6,825 |
| Noninterest expense to average assets | 2.9073% | 4,198 |
| Loan and lease loss provision to assets | 5.4011% | 61 |
| Net operating income to assets | 3.3675% | 58 |
| Return on assets (ROA) | 3.3675% | 59 |
| Pretax return on assets | 5.1986% | 48 |
| Return on Equity (ROE) | 27.3713% | 62 |
| Retained earnings to average equity (ytd only) | 27.3713% | 18 |
| Net charge-offs to loans | 5.6215% | 120 |
| Credit loss provision to net charge-offs | 105.0344% | 4,271 |
| Earnings coverage of net charge-offs (x) | 2.0613% | 4,181 |
| Efficiency ratio | 21.5245% | 7,620 |
| Assets per employee ($millions) | 11.7013% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6265% | 71 |
| Loan loss allowance to noncurrent loans | 405.9049% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.5365% | 4,009 |
| Noncurrent loans to loans | 1.6325% | 4,052 |
| Net loans and leases to total assets | 87.8819% | 102 |
| Net loans and leases to deposits | 108,849.7125% | 4 |
| Net loans and leases to core deposits | 108,849.7125% | 4 |
| Total domestic deposits to total assets | 0.0807% | 7,659 |
| Equity capital to assets | 14.1894% | 984 |
| Core capital (leverage) ratio | 13.6835% | 933 |
| Tier 1 risk-based capital ratio | 14.3997% | 3,615 |
| Total risk-based capital ratio | 15.7170% | 3,521 |
| Memoranda: | ||
| Average total assets | $3,656,563,400 | 213 |
| Average earning assets | $3,562,603,800 | 199 |
| Average equity | $449,864,800 | 198 |
| Average total loans | $3,344,825,000 | 171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9023% | 21 |
| Cost of funding earning assets | 0.3305% | 7,618 |
| Net interest margin | 13.5718% | 12 |
| Noninterest income to average assets | 0.0858% | 7,105 |
| Noninterest expense to average assets | 2.8684% | 4,214 |
| Loan and lease loss provision to assets | 5.6976% | 61 |
| Net operating income to assets | 3.0540% | 76 |
| Return on assets (ROA) | 3.0540% | 80 |
| Pretax return on assets | 4.7400% | 59 |
| Return on Equity (ROE) | 25.8147% | 102 |
| Retained earnings to average equity (ytd only) | 25.8147% | 26 |
| Net charge-offs to loans | 5.7921% | 115 |
| Credit loss provision to net charge-offs | 108.3214% | 3,933 |
| Earnings coverage of net charge-offs (x) | 1.9844% | 4,228 |
| Efficiency ratio | 21.5570% | 7,721 |
| Assets per employee ($millions) | 11.9491% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9066% | 64 |
| Loan loss allowance to noncurrent loans | 397.0090% | 751 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 4,022 |
| Noncurrent loans to loans | 1.7397% | 4,033 |
| Net loans and leases to total assets | 86.5524% | 163 |
| Net loans and leases to deposits | 112,872.4801% | 4 |
| Net loans and leases to core deposits | 112,872.4801% | 3 |
| Total domestic deposits to total assets | 0.0767% | 7,765 |
| Equity capital to assets | 13.3413% | 1,426 |
| Core capital (leverage) ratio | 12.6808% | 1,344 |
| Tier 1 risk-based capital ratio | 13.8391% | 3,955 |
| Total risk-based capital ratio | 15.1600% | 3,873 |
| Memoranda: | ||
| Average total assets | $3,655,076,250 | 212 |
| Average earning assets | $3,560,384,000 | 198 |
| Average equity | $432,409,000 | 199 |
| Average total loans | $3,319,254,000 | 170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5888% | 23 |
| Cost of funding earning assets | 0.3309% | 7,697 |
| Net interest margin | 13.2579% | 17 |
| Noninterest income to average assets | 0.0643% | 7,262 |
| Noninterest expense to average assets | 2.9408% | 3,921 |
| Loan and lease loss provision to assets | 5.2724% | 94 |
| Net operating income to assets | 3.0596% | 79 |
| Return on assets (ROA) | 3.0596% | 82 |
| Pretax return on assets | 4.7491% | 54 |
| Return on Equity (ROE) | 26.9868% | 88 |
| Retained earnings to average equity (ytd only) | 26.9868% | 36 |
| Net charge-offs to loans | 6.1411% | 127 |
| Credit loss provision to net charge-offs | 95.2797% | 4,255 |
| Earnings coverage of net charge-offs (x) | 1.8110% | 4,161 |
| Efficiency ratio | 22.6873% | 7,784 |
| Assets per employee ($millions) | 11.6507% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6028% | 73 |
| Loan loss allowance to noncurrent loans | 402.1048% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 4,217 |
| Noncurrent loans to loans | 1.6421% | 4,244 |
| Net loans and leases to total assets | 84.9700% | 289 |
| Net loans and leases to deposits | 113,924.9718% | 4 |
| Net loans and leases to core deposits | 113,924.9718% | 4 |
| Total domestic deposits to total assets | 0.0746% | 7,834 |
| Equity capital to assets | 12.7375% | 1,674 |
| Core capital (leverage) ratio | 11.9324% | 1,681 |
| Tier 1 risk-based capital ratio | 13.4018% | 4,138 |
| Total risk-based capital ratio | 14.7183% | 4,053 |
| Memoranda: | ||
| Average total assets | $3,674,537,330 | 212 |
| Average earning assets | $3,574,767,670 | 197 |
| Average equity | $416,597,000 | 204 |
| Average total loans | $3,311,012,330 | 166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4573% | 25 |
| Cost of funding earning assets | 0.3362% | 7,800 |
| Net interest margin | 13.1211% | 18 |
| Noninterest income to average assets | 0.1092% | 7,151 |
| Noninterest expense to average assets | 3.1652% | 2,992 |
| Loan and lease loss provision to assets | 7.4297% | 72 |
| Net operating income to assets | 1.4421% | 998 |
| Return on assets (ROA) | 1.4421% | 1,075 |
| Pretax return on assets | 2.2529% | 386 |
| Return on Equity (ROE) | 13.5179% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.5179% | 556 |
| Net charge-offs to loans | 6.3934% | 161 |
| Credit loss provision to net charge-offs | 129.5649% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.6885% | 3,719 |
| Efficiency ratio | 24.6364% | 7,884 |
| Assets per employee ($millions) | 11.5666% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2220% | 54 |
| Loan loss allowance to noncurrent loans | 367.6501% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.7808% | 3,816 |
| Noncurrent loans to loans | 1.9644% | 3,838 |
| Net loans and leases to total assets | 84.1103% | 359 |
| Net loans and leases to deposits | 112,449.8509% | 5 |
| Net loans and leases to core deposits | 112,449.8509% | 5 |
| Total domestic deposits to total assets | 0.0748% | 7,936 |
| Equity capital to assets | 11.3112% | 2,492 |
| Core capital (leverage) ratio | 10.0744% | 3,069 |
| Tier 1 risk-based capital ratio | 11.5947% | 5,582 |
| Total risk-based capital ratio | 12.9190% | 5,473 |
| Memoranda: | ||
| Average total assets | $3,729,255,500 | 211 |
| Average earning assets | $3,620,545,500 | 201 |
| Average equity | $397,843,500 | 211 |
| Average total loans | $3,344,807,500 | 168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1680% | 18 |
| Cost of funding earning assets | 0.3282% | 7,891 |
| Net interest margin | 13.8398% | 10 |
| Noninterest income to average assets | 0.3487% | 5,599 |
| Noninterest expense to average assets | 2.6158% | 5,734 |
| Loan and lease loss provision to assets | 7.9788% | 44 |
| Net operating income to assets | 2.1764% | 156 |
| Return on assets (ROA) | 2.1764% | 170 |
| Pretax return on assets | 3.2220% | 80 |
| Return on Equity (ROE) | 19.0295% | 303 |
| Retained earnings to average equity (ytd only) | 19.0295% | 43 |
| Net charge-offs to loans | 6.9346% | 124 |
| Credit loss provision to net charge-offs | 118.2689% | 4,566 |
| Earnings coverage of net charge-offs (x) | 1.6603% | 4,494 |
| Efficiency ratio | 18.9321% | 7,981 |
| Assets per employee ($millions) | 24.3576% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3670% | 86 |
| Loan loss allowance to noncurrent loans | 324.8042% | 979 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 3,758 |
| Noncurrent loans to loans | 1.9603% | 3,716 |
| Net loans and leases to total assets | 83.1425% | 528 |
| Net loans and leases to deposits | 121,692.7438% | 6 |
| Net loans and leases to core deposits | 121,692.7438% | 3 |
| Total domestic deposits to total assets | 0.0683% | 8,013 |
| Equity capital to assets | 10.0729% | 3,658 |
| Core capital (leverage) ratio | 10.4489% | 2,650 |
| Tier 1 risk-based capital ratio | 11.1642% | 5,760 |
| Total risk-based capital ratio | 12.4764% | 5,640 |
| Memoranda: | ||
| Average total assets | $3,022,356,400 | 246 |
| Average earning assets | $2,941,130,000 | 230 |
| Average equity | $345,673,800 | 230 |
| Average total loans | $2,940,302,200 | 197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1568% | 17 |
| Cost of funding earning assets | 0.3152% | 7,997 |
| Net interest margin | 13.8416% | 11 |
| Noninterest income to average assets | 0.4805% | 4,664 |
| Noninterest expense to average assets | 2.6812% | 5,405 |
| Loan and lease loss provision to assets | 9.1351% | 29 |
| Net operating income to assets | 1.4410% | 938 |
| Return on assets (ROA) | 1.4410% | 997 |
| Pretax return on assets | 2.1686% | 382 |
| Return on Equity (ROE) | 12.1018% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.1018% | 337 |
| Net charge-offs to loans | 6.9707% | 109 |
| Credit loss provision to net charge-offs | 130.7744% | 3,824 |
| Earnings coverage of net charge-offs (x) | 1.6182% | 4,584 |
| Efficiency ratio | 19.1720% | 8,059 |
| Assets per employee ($millions) | 21.7527% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1811% | 44 |
| Loan loss allowance to noncurrent loans | 353.6312% | 873 |
| Noncurrent assets plus other real estate owned to assets | 1.7994% | 3,663 |
| Noncurrent loans to loans | 2.0307% | 3,595 |
| Net loans and leases to total assets | 82.2495% | 769 |
| Net loans and leases to deposits | 177,293.0514% | 6 |
| Net loans and leases to core deposits | 177,293.0514% | 2 |
| Total domestic deposits to total assets | 0.0464% | 8,101 |
| Equity capital to assets | 9.9844% | 4,109 |
| Core capital (leverage) ratio | 10.9525% | 2,440 |
| Tier 1 risk-based capital ratio | 11.1785% | 5,781 |
| Total risk-based capital ratio | 12.5016% | 5,636 |
| Memoranda: | ||
| Average total assets | $2,809,731,000 | 273 |
| Average earning assets | $2,741,285,750 | 252 |
| Average equity | $334,565,250 | 238 |
| Average total loans | $2,815,641,000 | 207 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0766% | 13 |
| Cost of funding earning assets | 0.3190% | 8,096 |
| Net interest margin | 14.7576% | 7 |
| Noninterest income to average assets | 0.0350% | 7,813 |
| Noninterest expense to average assets | 2.7136% | 5,335 |
| Loan and lease loss provision to assets | 10.4945% | 27 |
| Net operating income to assets | 0.8012% | 2,851 |
| Return on assets (ROA) | 0.8012% | 2,947 |
| Pretax return on assets | 1.2355% | 2,206 |
| Return on Equity (ROE) | 6.2586% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.2586% | 1,902 |
| Net charge-offs to loans | 7.2463% | 125 |
| Credit loss provision to net charge-offs | 137.1405% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.5329% | 4,390 |
| Efficiency ratio | 18.7877% | 8,145 |
| Assets per employee ($millions) | 19.4696% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8391% | 35 |
| Loan loss allowance to noncurrent loans | 350.5957% | 903 |
| Noncurrent assets plus other real estate owned to assets | 2.3662% | 2,744 |
| Noncurrent loans to loans | 2.2359% | 3,209 |
| Net loans and leases to total assets | 97.5297% | 3 |
| Net loans and leases to deposits | 166,351.0707% | 6 |
| Net loans and leases to core deposits | 166,351.0707% | 2 |
| Total domestic deposits to total assets | 0.0586% | 8,197 |
| Equity capital to assets | 12.6862% | 1,843 |
| Core capital (leverage) ratio | 13.2346% | 1,352 |
| Tier 1 risk-based capital ratio | 12.5198% | 4,509 |
| Total risk-based capital ratio | 13.8554% | 4,357 |
| Memoranda: | ||
| Average total assets | $2,557,161,330 | 306 |
| Average earning assets | $2,496,685,670 | 284 |
| Average equity | $327,358,000 | 245 |
| Average total loans | $2,700,451,330 | 223 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5829% | 13 |
| Cost of funding earning assets | 0.3232% | 8,153 |
| Net interest margin | 15.2597% | 7 |
| Noninterest income to average assets | 0.0252% | 7,955 |
| Noninterest expense to average assets | 2.5943% | 5,473 |
| Loan and lease loss provision to assets | 11.7906% | 27 |
| Net operating income to assets | 0.3533% | 5,054 |
| Return on assets (ROA) | 0.3533% | 5,238 |
| Pretax return on assets | 0.5473% | 4,928 |
| Return on Equity (ROE) | 2.7467% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.7467% | 4,348 |
| Net charge-offs to loans | 6.6452% | 131 |
| Credit loss provision to net charge-offs | 168.2002% | 2,546 |
| Earnings coverage of net charge-offs (x) | 1.7601% | 3,853 |
| Efficiency ratio | 17.3738% | 8,194 |
| Assets per employee ($millions) | 18.5775% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1424% | 31 |
| Loan loss allowance to noncurrent loans | 319.2008% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 2.7064% | 2,100 |
| Noncurrent loans to loans | 2.5509% | 2,584 |
| Net loans and leases to total assets | 97.4584% | 5 |
| Net loans and leases to deposits | 129,886.3587% | 6 |
| Net loans and leases to core deposits | 129,886.3587% | 3 |
| Total domestic deposits to total assets | 0.0750% | 8,249 |
| Equity capital to assets | 13.2707% | 1,631 |
| Core capital (leverage) ratio | 12.8126% | 1,554 |
| Tier 1 risk-based capital ratio | 13.0960% | 4,126 |
| Total risk-based capital ratio | 14.4359% | 3,982 |
| Memoranda: | ||
| Average total assets | $2,521,542,500 | 311 |
| Average earning assets | $2,463,243,500 | 290 |
| Average equity | $324,314,500 | 248 |
| Average total loans | $2,659,919,000 | 226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0820% | 16 |
| Cost of funding earning assets | 1.7566% | 7,121 |
| Net interest margin | 13.3253% | 12 |
| Noninterest income to average assets | 0.0490% | 7,896 |
| Noninterest expense to average assets | 1.1490% | 8,177 |
| Loan and lease loss provision to assets | 9.4184% | 12 |
| Net operating income to assets | 1.7327% | 633 |
| Return on assets (ROA) | 1.7327% | 606 |
| Pretax return on assets | 2.6704% | 140 |
| Return on Equity (ROE) | 14.1515% | 1,076 |
| Retained earnings to average equity (ytd only) | 14.1515% | 114 |
| Net charge-offs to loans | 4.6950% | 114 |
| Credit loss provision to net charge-offs | 195.5604% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.5101% | 4,819 |
| Efficiency ratio | 8.6794% | 8,277 |
| Assets per employee ($millions) | 18.5061% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6851% | 36 |
| Loan loss allowance to noncurrent loans | 293.6536% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 2.3883% | 2,034 |
| Noncurrent loans to loans | 2.2765% | 2,422 |
| Net loans and leases to total assets | 97.8976% | 4 |
| Net loans and leases to deposits | 117,861.4312% | 5 |
| Net loans and leases to core deposits | 117,861.4312% | 2 |
| Total domestic deposits to total assets | 0.0831% | 8,307 |
| Equity capital to assets | 12.4747% | 2,028 |
| Core capital (leverage) ratio | 12.5519% | 1,728 |
| Tier 1 risk-based capital ratio | 12.3200% | 4,572 |
| Total risk-based capital ratio | 13.6401% | 4,409 |
| Memoranda: | ||
| Average total assets | $2,605,504,800 | 287 |
| Average earning assets | $2,578,803,800 | 265 |
| Average equity | $319,020,200 | 258 |
| Average total loans | $2,672,692,200 | 217 |