Home > Wilmington Savings Fund Society, FSB > Performance and Condition Ratios
Wilmington Savings Fund Society, FSB, Performance and Condition Ratios
| 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 | 5.4711% | 1,049 |
| Cost of funding earning assets | 1.2211% | 2,368 |
| Net interest margin | 4.2499% | 865 |
| Noninterest income to average assets | 1.2200% | 488 |
| Noninterest expense to average assets | 2.6634% | 1,752 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 1.4061% | 1,306 |
| Return on assets (ROA) | 1.4043% | 1,298 |
| Pretax return on assets | 1.8457% | 933 |
| Return on Equity (ROE) | 12.2900% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.0570% | 2,263 |
| Net charge-offs to loans | 0.4238% | 198 |
| Credit loss provision to net charge-offs | 161.6586% | 1,269 |
| Earnings coverage of net charge-offs (x) | 8.7285% | 2,183 |
| Efficiency ratio | 52.6322% | 3,708 |
| Assets per employee ($millions) | 9.3300% | 828 |
| Cash dividends to net income (ytd only)* | 42.5902% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,511 |
| Loan loss allowance to noncurrent loans | 245.0506% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 1,590 |
| Noncurrent loans to loans | 0.5648% | 1,418 |
| Net loans and leases to total assets | 62.8900% | 2,577 |
| Net loans and leases to deposits | 77.3171% | 2,303 |
| Net loans and leases to core deposits | 79.0802% | 2,666 |
| Total domestic deposits to total assets | 81.3400% | 3,330 |
| Equity capital to assets | 11.2076% | 1,272 |
| Core capital (leverage) ratio | 10.7154% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4332% | 1,739 |
| Memoranda: | ||
| Average total assets | $20,063,557,000 | 95 |
| Average earning assets | $17,526,691,750 | 97 |
| Average equity | $2,292,068,500 | 88 |
| Average total loans | $12,309,652,500 | 101 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 1,045 |
| Cost of funding earning assets | 1.0929% | 2,293 |
| Net interest margin | 4.2339% | 883 |
| Noninterest income to average assets | 1.1800% | 453 |
| Noninterest expense to average assets | 2.6414% | 1,818 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 1.3578% | 1,430 |
| Return on assets (ROA) | 1.3560% | 1,417 |
| Pretax return on assets | 1.7926% | 1,024 |
| Return on Equity (ROE) | 11.8000% | 2,214 |
| Retained earnings to average equity (ytd only) | 11.7961% | 1,026 |
| Net charge-offs to loans | 0.4080% | 205 |
| Credit loss provision to net charge-offs | 180.5637% | 1,092 |
| Earnings coverage of net charge-offs (x) | 9.0753% | 2,034 |
| Efficiency ratio | 52.7202% | 3,721 |
| Assets per employee ($millions) | 9.4452% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,573 |
| Loan loss allowance to noncurrent loans | 369.0235% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 2,024 |
| Noncurrent loans to loans | 0.3761% | 1,794 |
| Net loans and leases to total assets | 60.1900% | 2,752 |
| Net loans and leases to deposits | 73.6019% | 2,531 |
| Net loans and leases to core deposits | 75.5171% | 2,791 |
| Total domestic deposits to total assets | 81.7800% | 3,278 |
| Equity capital to assets | 11.7025% | 1,134 |
| Core capital (leverage) ratio | 10.8321% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8533% | 1,610 |
| Memoranda: | ||
| Average total assets | $20,105,344,667 | 93 |
| Average earning assets | $17,574,474,000 | 95 |
| Average equity | $2,311,229,667 | 85 |
| Average total loans | $12,174,520,000 | 100 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 973 |
| Cost of funding earning assets | 0.9141% | 2,325 |
| Net interest margin | 4.2712% | 855 |
| Noninterest income to average assets | 1.1700% | 458 |
| Noninterest expense to average assets | 2.5738% | 2,031 |
| Loan and lease loss provision to assets | 0.5800% | 122 |
| Net operating income to assets | 1.3192% | 1,625 |
| Return on assets (ROA) | 1.3140% | 1,607 |
| Pretax return on assets | 1.7376% | 1,199 |
| Return on Equity (ROE) | 11.5400% | 2,341 |
| Retained earnings to average equity (ytd only) | 11.5360% | 1,353 |
| Net charge-offs to loans | 0.3881% | 207 |
| Credit loss provision to net charge-offs | 247.7329% | 751 |
| Earnings coverage of net charge-offs (x) | 9.9044% | 1,673 |
| Efficiency ratio | 51.2397% | 3,837 |
| Assets per employee ($millions) | 9.5870% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 1,665 |
| Loan loss allowance to noncurrent loans | 371.1158% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 1,960 |
| Noncurrent loans to loans | 0.3741% | 1,809 |
| Net loans and leases to total assets | 59.4300% | 2,724 |
| Net loans and leases to deposits | 73.3797% | 2,349 |
| Net loans and leases to core deposits | 75.9126% | 2,535 |
| Total domestic deposits to total assets | 80.9900% | 3,640 |
| Equity capital to assets | 11.5798% | 1,130 |
| Core capital (leverage) ratio | 10.5699% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5598% | 1,778 |
| Memoranda: | ||
| Average total assets | $20,013,872,500 | 96 |
| Average earning assets | $17,460,797,500 | 98 |
| Average equity | $2,279,725,000 | 89 |
| Average total loans | $12,070,289,500 | 103 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 1,348 |
| Cost of funding earning assets | 0.1744% | 3,960 |
| Net interest margin | 3.9771% | 817 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 2.8354% | 1,250 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.1486% | 1,978 |
| Return on assets (ROA) | 1.1716% | 1,825 |
| Pretax return on assets | 1.5690% | 1,246 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | -0.8071% | 4,437 |
| Net charge-offs to loans | 0.1540% | 538 |
| Credit loss provision to net charge-offs | 285.6532% | 934 |
| Earnings coverage of net charge-offs (x) | 20.5701% | 1,880 |
| Efficiency ratio | 59.7723% | 3,091 |
| Assets per employee ($millions) | 9.4508% | 797 |
| Cash dividends to net income (ytd only)* | 108.0633% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,043 |
| Loan loss allowance to noncurrent loans | 386.0513% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,154 |
| Noncurrent loans to loans | 0.3290% | 1,973 |
| Net loans and leases to total assets | 59.5800% | 2,680 |
| Net loans and leases to deposits | 71.8074% | 2,424 |
| Net loans and leases to core deposits | 73.1011% | 2,639 |
| Total domestic deposits to total assets | 82.9800% | 3,424 |
| Equity capital to assets | 11.1977% | 1,186 |
| Core capital (leverage) ratio | 10.2852% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8447% | 2,033 |
| Memoranda: | ||
| Average total assets | $19,351,148,000 | 104 |
| Average earning assets | $16,952,406,000 | 104 |
| Average equity | $2,264,974,400 | 98 |
| Average total loans | $10,933,824,600 | 112 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 1,546 |
| Cost of funding earning assets | 0.1097% | 4,202 |
| Net interest margin | 3.7635% | 1,010 |
| Noninterest income to average assets | 1.1400% | 542 |
| Noninterest expense to average assets | 2.9122% | 1,030 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.9504% | 2,669 |
| Return on assets (ROA) | 0.9812% | 2,521 |
| Pretax return on assets | 1.3236% | 1,970 |
| Return on Equity (ROE) | 8.2900% | 3,241 |
| Retained earnings to average equity (ytd only) | -6.0571% | 4,625 |
| Net charge-offs to loans | 0.1136% | 552 |
| Credit loss provision to net charge-offs | 381.0921% | 726 |
| Earnings coverage of net charge-offs (x) | 24.2338% | 1,632 |
| Efficiency ratio | 63.9610% | 2,557 |
| Assets per employee ($millions) | 9.5322% | 752 |
| Cash dividends to net income (ytd only)* | 173.0568% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,308 |
| Loan loss allowance to noncurrent loans | 331.3351% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 2,101 |
| Noncurrent loans to loans | 0.3750% | 1,886 |
| Net loans and leases to total assets | 58.4400% | 2,647 |
| Net loans and leases to deposits | 68.4058% | 2,504 |
| Net loans and leases to core deposits | 69.1278% | 2,710 |
| Total domestic deposits to total assets | 85.4400% | 3,191 |
| Equity capital to assets | 10.5277% | 1,355 |
| Core capital (leverage) ratio | 9.7639% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3372% | 2,345 |
| Memoranda: | ||
| Average total assets | $19,236,720,500 | 106 |
| Average earning assets | $16,891,647,250 | 107 |
| Average equity | $2,276,683,750 | 100 |
| Average total loans | $10,678,571,250 | 115 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 1,788 |
| Cost of funding earning assets | 0.0840% | 4,333 |
| Net interest margin | 3.5318% | 1,228 |
| Noninterest income to average assets | 1.1926% | 481 |
| Noninterest expense to average assets | 3.1042% | 727 |
| Loan and lease loss provision to assets | 0.2852% | 235 |
| Net operating income to assets | 0.6827% | 3,369 |
| Return on assets (ROA) | 0.7290% | 3,167 |
| Pretax return on assets | 0.9864% | 2,779 |
| Return on Equity (ROE) | 5.9314% | 3,591 |
| Retained earnings to average equity (ytd only) | 0.3706% | 4,117 |
| Net charge-offs to loans | 0.1140% | 534 |
| Credit loss provision to net charge-offs | 463.3271% | 653 |
| Earnings coverage of net charge-offs (x) | 19.6081% | 1,559 |
| Efficiency ratio | 70.2311% | 1,926 |
| Assets per employee ($millions) | 9.5577% | 742 |
| Cash dividends to net income (ytd only)* | 93.7518% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,532 |
| Loan loss allowance to noncurrent loans | 431.4542% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,567 |
| Noncurrent loans to loans | 0.2851% | 2,321 |
| Net loans and leases to total assets | 55.7432% | 2,785 |
| Net loans and leases to deposits | 65.3762% | 2,598 |
| Net loans and leases to core deposits | 66.0051% | 2,816 |
| Total domestic deposits to total assets | 85.2653% | 3,423 |
| Equity capital to assets | 11.7227% | 958 |
| Core capital (leverage) ratio | 10.0224% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5691% | 1,839 |
| Memoranda: | ||
| Average total assets | $19,020,896,333 | 105 |
| Average earning assets | $16,823,530,333 | 106 |
| Average equity | $2,337,793,667 | 97 |
| Average total loans | $10,315,741,000 | 115 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 1,695 |
| Cost of funding earning assets | 0.0788% | 4,373 |
| Net interest margin | 3.4535% | 1,179 |
| Noninterest income to average assets | 1.1711% | 503 |
| Noninterest expense to average assets | 3.5918% | 391 |
| Loan and lease loss provision to assets | 0.4160% | 121 |
| Net operating income to assets | 0.1754% | 4,362 |
| Return on assets (ROA) | 0.1718% | 4,340 |
| Pretax return on assets | 0.2392% | 4,280 |
| Return on Equity (ROE) | 1.3628% | 4,365 |
| Retained earnings to average equity (ytd only) | 1.3628% | 3,733 |
| Net charge-offs to loans | 0.1340% | 421 |
| Credit loss provision to net charge-offs | 583.5435% | 478 |
| Earnings coverage of net charge-offs (x) | 9.2735% | 1,495 |
| Efficiency ratio | 82.7121% | 935 |
| Assets per employee ($millions) | 9.4893% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 2,883 |
| Loan loss allowance to noncurrent loans | 392.7687% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 2,570 |
| Noncurrent loans to loans | 0.3044% | 2,372 |
| Net loans and leases to total assets | 53.9994% | 2,760 |
| Net loans and leases to deposits | 63.3348% | 2,586 |
| Net loans and leases to core deposits | 64.0843% | 2,789 |
| Total domestic deposits to total assets | 85.2602% | 3,482 |
| Equity capital to assets | 12.4902% | 807 |
| Core capital (leverage) ratio | 9.9818% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8925% | 1,843 |
| Memoranda: | ||
| Average total assets | $18,304,553,500 | 110 |
| Average earning assets | $16,322,459,000 | 109 |
| Average equity | $2,307,833,000 | 103 |
| Average total loans | $9,701,883,500 | 123 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 2,954 |
| Cost of funding earning assets | 0.1137% | 4,279 |
| Net interest margin | 3.2755% | 2,384 |
| Noninterest income to average assets | 1.1016% | 856 |
| Noninterest expense to average assets | 2.4210% | 2,420 |
| Loan and lease loss provision to assets | -0.7844% | 4,825 |
| Net operating income to assets | 1.8215% | 487 |
| Return on assets (ROA) | 1.8229% | 505 |
| Pretax return on assets | 2.4002% | 298 |
| Return on Equity (ROE) | 14.3035% | 1,104 |
| Retained earnings to average equity (ytd only) | 14.3035% | 282 |
| Net charge-offs to loans | 0.2028% | 471 |
| Credit loss provision to net charge-offs | -680.2521% | 3,830 |
| Earnings coverage of net charge-offs (x) | 14.0982% | 2,049 |
| Efficiency ratio | 58.4439% | 3,373 |
| Assets per employee ($millions) | 8.7407% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,969 |
| Loan loss allowance to noncurrent loans | 355.2895% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 2,651 |
| Noncurrent loans to loans | 0.3325% | 2,392 |
| Net loans and leases to total assets | 50.2148% | 3,246 |
| Net loans and leases to deposits | 59.1931% | 3,148 |
| Net loans and leases to core deposits | 59.8051% | 3,329 |
| Total domestic deposits to total assets | 84.8321% | 3,318 |
| Equity capital to assets | 12.7641% | 972 |
| Core capital (leverage) ratio | 10.4382% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9062% | 1,545 |
| Memoranda: | ||
| Average total assets | $15,037,751,800 | 124 |
| Average earning assets | $13,465,513,600 | 125 |
| Average equity | $1,916,515,200 | 114 |
| Average total loans | $8,486,763,200 | 138 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 2,971 |
| Cost of funding earning assets | 0.1218% | 4,336 |
| Net interest margin | 3.3246% | 2,346 |
| Noninterest income to average assets | 1.1225% | 903 |
| Noninterest expense to average assets | 2.4989% | 2,124 |
| Loan and lease loss provision to assets | -0.9835% | 4,906 |
| Net operating income to assets | 1.9440% | 510 |
| Return on assets (ROA) | 1.9470% | 535 |
| Pretax return on assets | 2.5849% | 288 |
| Return on Equity (ROE) | 15.2832% | 1,095 |
| Retained earnings to average equity (ytd only) | 15.2832% | 362 |
| Net charge-offs to loans | 0.2308% | 358 |
| Credit loss provision to net charge-offs | -731.6535% | 3,766 |
| Earnings coverage of net charge-offs (x) | 11.9494% | 1,975 |
| Efficiency ratio | 59.4445% | 3,077 |
| Assets per employee ($millions) | 8.5092% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,516 |
| Loan loss allowance to noncurrent loans | 245.3238% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 2,307 |
| Noncurrent loans to loans | 0.5277% | 1,989 |
| Net loans and leases to total assets | 52.1169% | 3,181 |
| Net loans and leases to deposits | 62.0417% | 3,034 |
| Net loans and leases to core deposits | 62.8771% | 3,231 |
| Total domestic deposits to total assets | 84.0031% | 3,451 |
| Equity capital to assets | 12.8698% | 1,030 |
| Core capital (leverage) ratio | 10.2734% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4982% | 1,797 |
| Memoranda: | ||
| Average total assets | $14,861,680,000 | 124 |
| Average earning assets | $13,294,078,000 | 125 |
| Average equity | $1,893,313,500 | 116 |
| Average total loans | $8,608,619,500 | 137 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 2,740 |
| Cost of funding earning assets | 0.1298% | 4,353 |
| Net interest margin | 3.4328% | 2,051 |
| Noninterest income to average assets | 1.1539% | 856 |
| Noninterest expense to average assets | 2.5146% | 2,093 |
| Loan and lease loss provision to assets | -1.1957% | 4,944 |
| Net operating income to assets | 2.1834% | 348 |
| Return on assets (ROA) | 2.1886% | 369 |
| Pretax return on assets | 2.9113% | 209 |
| Return on Equity (ROE) | 17.2409% | 748 |
| Retained earnings to average equity (ytd only) | 17.2409% | 261 |
| Net charge-offs to loans | 0.1974% | 434 |
| Credit loss provision to net charge-offs | -1,012.4885% | 3,664 |
| Earnings coverage of net charge-offs (x) | 14.4999% | 1,661 |
| Efficiency ratio | 58.0097% | 3,287 |
| Assets per employee ($millions) | 8.3479% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 1,326 |
| Loan loss allowance to noncurrent loans | 406.7267% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 2,822 |
| Noncurrent loans to loans | 0.3886% | 2,510 |
| Net loans and leases to total assets | 54.5679% | 3,069 |
| Net loans and leases to deposits | 64.1800% | 2,982 |
| Net loans and leases to core deposits | 65.2093% | 3,181 |
| Total domestic deposits to total assets | 85.0232% | 3,083 |
| Equity capital to assets | 12.8665% | 991 |
| Core capital (leverage) ratio | 10.1102% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4051% | 1,832 |
| Memoranda: | ||
| Average total assets | $14,701,521,333 | 124 |
| Average earning assets | $13,146,657,000 | 125 |
| Average equity | $1,866,251,333 | 117 |
| Average total loans | $8,777,916,000 | 132 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7424% | 2,258 |
| Cost of funding earning assets | 0.1433% | 4,352 |
| Net interest margin | 3.5991% | 1,592 |
| Noninterest income to average assets | 1.2109% | 840 |
| Noninterest expense to average assets | 2.5412% | 2,049 |
| Loan and lease loss provision to assets | -0.5389% | 4,927 |
| Net operating income to assets | 1.8279% | 746 |
| Return on assets (ROA) | 1.8334% | 796 |
| Pretax return on assets | 2.4341% | 495 |
| Return on Equity (ROE) | 14.5457% | 1,317 |
| Retained earnings to average equity (ytd only) | 14.5457% | 683 |
| Net charge-offs to loans | 0.1705% | 471 |
| Credit loss provision to net charge-offs | -526.9211% | 3,189 |
| Earnings coverage of net charge-offs (x) | 17.8832% | 1,287 |
| Efficiency ratio | 55.8998% | 3,558 |
| Assets per employee ($millions) | 8.1465% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3451% | 333 |
| Loan loss allowance to noncurrent loans | 518.9207% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 2,738 |
| Noncurrent loans to loans | 0.4519% | 2,499 |
| Net loans and leases to total assets | 58.0368% | 2,796 |
| Net loans and leases to deposits | 68.1520% | 2,687 |
| Net loans and leases to core deposits | 69.2940% | 2,933 |
| Total domestic deposits to total assets | 85.1579% | 3,041 |
| Equity capital to assets | 12.4230% | 1,108 |
| Core capital (leverage) ratio | 9.8219% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4575% | 2,102 |
| Memoranda: | ||
| Average total assets | $14,497,457,500 | 126 |
| Average earning assets | $12,962,936,000 | 127 |
| Average equity | $1,827,338,500 | 119 |
| Average total loans | $8,978,155,500 | 131 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 1,605 |
| Cost of funding earning assets | 0.3593% | 3,823 |
| Net interest margin | 4.0352% | 906 |
| Noninterest income to average assets | 1.3395% | 650 |
| Noninterest expense to average assets | 2.7156% | 2,194 |
| Loan and lease loss provision to assets | 1.1586% | 60 |
| Net operating income to assets | 0.8109% | 3,051 |
| Return on assets (ROA) | 0.8943% | 2,858 |
| Pretax return on assets | 1.1405% | 2,546 |
| Return on Equity (ROE) | 6.2627% | 3,500 |
| Retained earnings to average equity (ytd only) | -4.3309% | 4,818 |
| Net charge-offs to loans | 0.0830% | 1,638 |
| Credit loss provision to net charge-offs | 2,034.4534% | 437 |
| Earnings coverage of net charge-offs (x) | 38.5723% | 1,416 |
| Efficiency ratio | 53.7723% | 4,236 |
| Assets per employee ($millions) | 8.0015% | 1,037 |
| Cash dividends to net income (ytd only)* | 169.1532% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4810% | 271 |
| Loan loss allowance to noncurrent loans | 390.4372% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 2,286 |
| Noncurrent loans to loans | 0.6354% | 2,096 |
| Net loans and leases to total assets | 62.8972% | 2,496 |
| Net loans and leases to deposits | 74.2632% | 2,459 |
| Net loans and leases to core deposits | 76.7167% | 2,657 |
| Total domestic deposits to total assets | 84.6950% | 2,884 |
| Equity capital to assets | 12.7912% | 1,185 |
| Core capital (leverage) ratio | 9.7420% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7615% | 2,324 |
| Memoranda: | ||
| Average total assets | $13,221,216,600 | 126 |
| Average earning assets | $11,705,422,600 | 130 |
| Average equity | $1,887,940,000 | 111 |
| Average total loans | $9,072,771,200 | 129 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,660 |
| Cost of funding earning assets | 0.4132% | 3,744 |
| Net interest margin | 4.0523% | 998 |
| Noninterest income to average assets | 1.4183% | 565 |
| Noninterest expense to average assets | 2.7750% | 2,040 |
| Loan and lease loss provision to assets | 1.5865% | 52 |
| Net operating income to assets | 0.5026% | 4,022 |
| Return on assets (ROA) | 0.5897% | 3,893 |
| Pretax return on assets | 0.7420% | 3,793 |
| Return on Equity (ROE) | 4.0140% | 4,152 |
| Retained earnings to average equity (ytd only) | -1.2416% | 4,636 |
| Net charge-offs to loans | 0.0670% | 1,652 |
| Credit loss provision to net charge-offs | 3,392.9767% | 318 |
| Earnings coverage of net charge-offs (x) | 47.5251% | 1,232 |
| Efficiency ratio | 54.0091% | 4,145 |
| Assets per employee ($millions) | 7.7639% | 1,094 |
| Cash dividends to net income (ytd only)* | 130.9312% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4530% | 245 |
| Loan loss allowance to noncurrent loans | 616.9667% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 2,974 |
| Noncurrent loans to loans | 0.3976% | 2,868 |
| Net loans and leases to total assets | 67.0808% | 2,375 |
| Net loans and leases to deposits | 80.5451% | 2,258 |
| Net loans and leases to core deposits | 83.6262% | 2,515 |
| Total domestic deposits to total assets | 83.2836% | 3,068 |
| Equity capital to assets | 13.7977% | 907 |
| Core capital (leverage) ratio | 10.3094% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5029% | 2,000 |
| Memoranda: | ||
| Average total assets | $12,951,847,000 | 128 |
| Average earning assets | $11,438,512,750 | 130 |
| Average equity | $1,902,683,000 | 111 |
| Average total loans | $9,035,394,000 | 129 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,512 |
| Cost of funding earning assets | 0.4765% | 3,674 |
| Net interest margin | 4.1837% | 960 |
| Noninterest income to average assets | 1.5051% | 466 |
| Noninterest expense to average assets | 2.8128% | 2,072 |
| Loan and lease loss provision to assets | 2.3898% | 41 |
| Net operating income to assets | -0.0105% | 4,784 |
| Return on assets (ROA) | 0.0935% | 4,726 |
| Pretax return on assets | 0.0871% | 4,735 |
| Return on Equity (ROE) | 0.6225% | 4,734 |
| Retained earnings to average equity (ytd only) | -7.2624% | 4,854 |
| Net charge-offs to loans | 0.0531% | 1,732 |
| Credit loss provision to net charge-offs | 6,417.6346% | 182 |
| Earnings coverage of net charge-offs (x) | 63.7270% | 928 |
| Efficiency ratio | 52.7284% | 4,299 |
| Assets per employee ($millions) | 7.4603% | 1,203 |
| Cash dividends to net income (ytd only)* | 1,266.6779% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4540% | 237 |
| Loan loss allowance to noncurrent loans | 667.6789% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 3,175 |
| Noncurrent loans to loans | 0.3675% | 3,090 |
| Net loans and leases to total assets | 68.1646% | 2,322 |
| Net loans and leases to deposits | 82.6560% | 2,128 |
| Net loans and leases to core deposits | 86.0329% | 2,433 |
| Total domestic deposits to total assets | 82.4679% | 3,248 |
| Equity capital to assets | 13.7251% | 917 |
| Core capital (leverage) ratio | 10.4012% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9290% | 2,209 |
| Memoranda: | ||
| Average total assets | $12,670,306,667 | 129 |
| Average earning assets | $11,146,825,333 | 132 |
| Average equity | $1,902,377,000 | 112 |
| Average total loans | $8,884,688,333 | 132 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 967 |
| Cost of funding earning assets | 0.5976% | 3,449 |
| Net interest margin | 4.4029% | 623 |
| Noninterest income to average assets | 1.1805% | 629 |
| Noninterest expense to average assets | 2.8398% | 2,306 |
| Loan and lease loss provision to assets | 1.8519% | 79 |
| Net operating income to assets | 0.2985% | 4,350 |
| Return on assets (ROA) | 0.4148% | 4,141 |
| Pretax return on assets | 0.4722% | 4,166 |
| Return on Equity (ROE) | 2.6371% | 4,304 |
| Retained earnings to average equity (ytd only) | 2.6371% | 3,212 |
| Net charge-offs to loans | 0.0337% | 1,725 |
| Credit loss provision to net charge-offs | 7,822.9282% | 92 |
| Earnings coverage of net charge-offs (x) | 92.6768% | 609 |
| Efficiency ratio | 54.8064% | 4,325 |
| Assets per employee ($millions) | 7.0186% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,044 |
| Loan loss allowance to noncurrent loans | 413.9201% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 3,182 |
| Noncurrent loans to loans | 0.3890% | 3,091 |
| Net loans and leases to total assets | 69.3790% | 2,342 |
| Net loans and leases to deposits | 87.2058% | 1,838 |
| Net loans and leases to core deposits | 91.7358% | 2,193 |
| Total domestic deposits to total assets | 79.5578% | 3,937 |
| Equity capital to assets | 15.8321% | 609 |
| Core capital (leverage) ratio | 11.8451% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5309% | 2,065 |
| Memoranda: | ||
| Average total assets | $12,235,278,000 | 129 |
| Average earning assets | $10,706,868,000 | 132 |
| Average equity | $1,924,352,500 | 112 |
| Average total loans | $8,596,066,000 | 133 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 735 |
| Cost of funding earning assets | 0.7633% | 2,855 |
| Net interest margin | 4.5935% | 583 |
| Noninterest income to average assets | 1.3094% | 553 |
| Noninterest expense to average assets | 3.6139% | 842 |
| Loan and lease loss provision to assets | 0.2285% | 844 |
| Net operating income to assets | 1.0980% | 2,453 |
| Return on assets (ROA) | 1.2674% | 1,894 |
| Pretax return on assets | 1.6731% | 1,262 |
| Return on Equity (ROE) | 8.6412% | 2,891 |
| Retained earnings to average equity (ytd only) | -5.4981% | 4,991 |
| Net charge-offs to loans | 0.2219% | 921 |
| Credit loss provision to net charge-offs | 145.8654% | 1,758 |
| Earnings coverage of net charge-offs (x) | 10.7847% | 2,545 |
| Efficiency ratio | 66.7031% | 2,662 |
| Assets per employee ($millions) | 7.0410% | 1,022 |
| Cash dividends to net income (ytd only)* | 163.6269% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 4,811 |
| Loan loss allowance to noncurrent loans | 121.7649% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 3,045 |
| Noncurrent loans to loans | 0.4567% | 2,809 |
| Net loans and leases to total assets | 69.6085% | 2,457 |
| Net loans and leases to deposits | 88.0281% | 1,839 |
| Net loans and leases to core deposits | 92.8354% | 2,173 |
| Total domestic deposits to total assets | 79.0754% | 4,175 |
| Equity capital to assets | 15.6235% | 667 |
| Core capital (leverage) ratio | 11.7182% | 1,947 |
| Tier 1 risk-based capital ratio | 13.5188% | 3,511 |
| Total risk-based capital ratio | 14.0100% | 3,808 |
| Memoranda: | ||
| Average total assets | $11,187,249,600 | 130 |
| Average earning assets | $9,726,554,600 | 134 |
| Average equity | $1,640,808,000 | 122 |
| Average total loans | $7,896,222,200 | 132 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3905% | 712 |
| Cost of funding earning assets | 0.7889% | 2,773 |
| Net interest margin | 4.6016% | 618 |
| Noninterest income to average assets | 1.3261% | 534 |
| Noninterest expense to average assets | 3.7643% | 686 |
| Loan and lease loss provision to assets | 0.2924% | 509 |
| Net operating income to assets | 0.9438% | 3,191 |
| Return on assets (ROA) | 1.1691% | 2,387 |
| Pretax return on assets | 1.5488% | 1,817 |
| Return on Equity (ROE) | 8.1193% | 3,255 |
| Retained earnings to average equity (ytd only) | -11.5380% | 5,162 |
| Net charge-offs to loans | 0.2731% | 645 |
| Credit loss provision to net charge-offs | 151.3449% | 1,621 |
| Earnings coverage of net charge-offs (x) | 8.0628% | 2,691 |
| Efficiency ratio | 69.3346% | 2,214 |
| Assets per employee ($millions) | 6.9668% | 1,038 |
| Cash dividends to net income (ytd only)* | 242.1055% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 4,887 |
| Loan loss allowance to noncurrent loans | 71.9345% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 2,299 |
| Noncurrent loans to loans | 0.7710% | 2,040 |
| Net loans and leases to total assets | 69.7543% | 2,508 |
| Net loans and leases to deposits | 88.3909% | 1,881 |
| Net loans and leases to core deposits | 92.8821% | 2,281 |
| Total domestic deposits to total assets | 78.9157% | 4,200 |
| Equity capital to assets | 15.2794% | 775 |
| Core capital (leverage) ratio | 11.1324% | 2,529 |
| Tier 1 risk-based capital ratio | 13.0138% | 3,841 |
| Total risk-based capital ratio | 13.5024% | 4,163 |
| Memoranda: | ||
| Average total assets | $10,928,280,250 | 131 |
| Average earning assets | $9,490,502,750 | 136 |
| Average equity | $1,573,591,000 | 125 |
| Average total loans | $7,731,299,750 | 133 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 767 |
| Cost of funding earning assets | 0.7806% | 2,742 |
| Net interest margin | 4.5473% | 689 |
| Noninterest income to average assets | 1.3200% | 502 |
| Noninterest expense to average assets | 3.7971% | 664 |
| Loan and lease loss provision to assets | 0.3786% | 328 |
| Net operating income to assets | 0.7993% | 3,654 |
| Return on assets (ROA) | 0.8340% | 3,587 |
| Pretax return on assets | 1.1333% | 3,140 |
| Return on Equity (ROE) | 5.9329% | 4,067 |
| Retained earnings to average equity (ytd only) | -25.5465% | 5,261 |
| Net charge-offs to loans | 0.3768% | 440 |
| Credit loss provision to net charge-offs | 141.5359% | 1,553 |
| Earnings coverage of net charge-offs (x) | 5.4945% | 2,653 |
| Efficiency ratio | 70.7997% | 2,100 |
| Assets per employee ($millions) | 6.4978% | 1,239 |
| Cash dividends to net income (ytd only)* | 530.5889% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5235% | 4,987 |
| Loan loss allowance to noncurrent loans | 82.8354% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 2,611 |
| Noncurrent loans to loans | 0.6320% | 2,361 |
| Net loans and leases to total assets | 71.0125% | 2,381 |
| Net loans and leases to deposits | 88.2019% | 1,978 |
| Net loans and leases to core deposits | 93.6479% | 2,270 |
| Total domestic deposits to total assets | 80.5113% | 3,935 |
| Equity capital to assets | 14.9186% | 836 |
| Core capital (leverage) ratio | 10.9496% | 2,645 |
| Tier 1 risk-based capital ratio | 12.4667% | 4,145 |
| Total risk-based capital ratio | 12.9296% | 4,491 |
| Memoranda: | ||
| Average total assets | $10,486,161,670 | 135 |
| Average earning assets | $9,101,245,670 | 141 |
| Average equity | $1,473,977,000 | 132 |
| Average total loans | $7,443,129,330 | 141 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 1,968 |
| Cost of funding earning assets | 0.7414% | 2,827 |
| Net interest margin | 4.0350% | 1,734 |
| Noninterest income to average assets | 1.2729% | 521 |
| Noninterest expense to average assets | 3.8596% | 621 |
| Loan and lease loss provision to assets | 0.3169% | 393 |
| Net operating income to assets | 0.3388% | 4,854 |
| Return on assets (ROA) | 0.3685% | 4,804 |
| Pretax return on assets | 0.6156% | 4,482 |
| Return on Equity (ROE) | 2.7268% | 4,844 |
| Retained earnings to average equity (ytd only) | -68.3535% | 5,343 |
| Net charge-offs to loans | 0.0511% | 1,556 |
| Credit loss provision to net charge-offs | 877.7523% | 416 |
| Earnings coverage of net charge-offs (x) | 24.8119% | 1,448 |
| Efficiency ratio | 80.2206% | 1,042 |
| Assets per employee ($millions) | 6.4803% | 1,251 |
| Cash dividends to net income (ytd only)* | 2,606.7416% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 5,044 |
| Loan loss allowance to noncurrent loans | 131.8710% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,379 |
| Noncurrent loans to loans | 0.4021% | 3,148 |
| Net loans and leases to total assets | 71.5918% | 2,233 |
| Net loans and leases to deposits | 88.1007% | 1,859 |
| Net loans and leases to core deposits | 93.5965% | 2,161 |
| Total domestic deposits to total assets | 81.2613% | 3,915 |
| Equity capital to assets | 14.2088% | 966 |
| Core capital (leverage) ratio | 13.9987% | 958 |
| Tier 1 risk-based capital ratio | 11.7308% | 4,604 |
| Total risk-based capital ratio | 12.1991% | 4,904 |
| Memoranda: | ||
| Average total assets | $9,660,293,000 | 146 |
| Average earning assets | $8,337,615,500 | 150 |
| Average equity | $1,305,565,000 | 138 |
| Average total loans | $6,832,297,000 | 151 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 1,423 |
| Cost of funding earning assets | 0.6756% | 2,237 |
| Net interest margin | 4.1750% | 1,468 |
| Noninterest income to average assets | 1.9028% | 290 |
| Noninterest expense to average assets | 3.2203% | 1,502 |
| Loan and lease loss provision to assets | 0.1870% | 1,031 |
| Net operating income to assets | 1.5899% | 896 |
| Return on assets (ROA) | 1.6452% | 780 |
| Pretax return on assets | 2.1459% | 400 |
| Return on Equity (ROE) | 13.8469% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.2177% | 402 |
| Net charge-offs to loans | 0.2899% | 669 |
| Credit loss provision to net charge-offs | 92.5509% | 2,687 |
| Earnings coverage of net charge-offs (x) | 11.1988% | 2,642 |
| Efficiency ratio | 58.2881% | 4,119 |
| Assets per employee ($millions) | 6.2624% | 1,349 |
| Cash dividends to net income (ytd only)* | 18.9881% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 4,527 |
| Loan loss allowance to noncurrent loans | 127.9994% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 2,695 |
| Noncurrent loans to loans | 0.6267% | 2,412 |
| Net loans and leases to total assets | 68.0666% | 2,878 |
| Net loans and leases to deposits | 86.0937% | 2,260 |
| Net loans and leases to core deposits | 91.4850% | 2,453 |
| Total domestic deposits to total assets | 79.0610% | 4,301 |
| Equity capital to assets | 12.3420% | 1,673 |
| Core capital (leverage) ratio | 10.8177% | 2,718 |
| Tier 1 risk-based capital ratio | 12.6908% | 4,018 |
| Total risk-based capital ratio | 13.3743% | 4,231 |
| Memoranda: | ||
| Average total assets | $7,042,233,800 | 178 |
| Average earning assets | $6,039,321,600 | 180 |
| Average equity | $836,734,800 | 178 |
| Average total loans | $4,908,964,000 | 176 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 1,437 |
| Cost of funding earning assets | 0.6518% | 2,144 |
| Net interest margin | 4.1443% | 1,508 |
| Noninterest income to average assets | 1.9303% | 292 |
| Noninterest expense to average assets | 3.1804% | 1,570 |
| Loan and lease loss provision to assets | 0.1877% | 957 |
| Net operating income to assets | 1.6205% | 926 |
| Return on assets (ROA) | 1.6885% | 766 |
| Pretax return on assets | 2.1861% | 405 |
| Return on Equity (ROE) | 14.3539% | 1,025 |
| Retained earnings to average equity (ytd only) | 12.8981% | 376 |
| Net charge-offs to loans | 0.2352% | 724 |
| Credit loss provision to net charge-offs | 114.0215% | 2,062 |
| Earnings coverage of net charge-offs (x) | 13.8978% | 2,319 |
| Efficiency ratio | 57.7132% | 4,165 |
| Assets per employee ($millions) | 6.3272% | 1,273 |
| Cash dividends to net income (ytd only)* | 10.1420% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,490 |
| Loan loss allowance to noncurrent loans | 113.3147% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 2,549 |
| Noncurrent loans to loans | 0.7434% | 2,227 |
| Net loans and leases to total assets | 69.3325% | 2,750 |
| Net loans and leases to deposits | 85.1675% | 2,453 |
| Net loans and leases to core deposits | 92.3023% | 2,447 |
| Total domestic deposits to total assets | 81.4073% | 3,763 |
| Equity capital to assets | 12.0550% | 1,877 |
| Core capital (leverage) ratio | 10.6512% | 2,935 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,268 |
| Total risk-based capital ratio | 13.0909% | 4,471 |
| Memoranda: | ||
| Average total assets | $7,007,036,750 | 178 |
| Average earning assets | $5,981,616,750 | 182 |
| Average equity | $824,286,750 | 178 |
| Average total loans | $4,904,011,000 | 175 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 1,476 |
| Cost of funding earning assets | 0.6178% | 2,123 |
| Net interest margin | 4.0938% | 1,582 |
| Noninterest income to average assets | 1.7765% | 329 |
| Noninterest expense to average assets | 3.1120% | 1,754 |
| Loan and lease loss provision to assets | 0.1763% | 1,029 |
| Net operating income to assets | 1.4757% | 1,212 |
| Return on assets (ROA) | 1.5699% | 993 |
| Pretax return on assets | 2.0888% | 502 |
| Return on Equity (ROE) | 13.4581% | 1,221 |
| Retained earnings to average equity (ytd only) | 11.9835% | 518 |
| Net charge-offs to loans | 0.2338% | 682 |
| Credit loss provision to net charge-offs | 107.6708% | 1,921 |
| Earnings coverage of net charge-offs (x) | 13.1089% | 2,165 |
| Efficiency ratio | 58.7174% | 4,124 |
| Assets per employee ($millions) | 6.0795% | 1,412 |
| Cash dividends to net income (ytd only)* | 10.9569% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,603 |
| Loan loss allowance to noncurrent loans | 111.5196% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,554 |
| Noncurrent loans to loans | 0.7446% | 2,243 |
| Net loans and leases to total assets | 69.4919% | 2,652 |
| Net loans and leases to deposits | 90.5739% | 1,772 |
| Net loans and leases to core deposits | 99.2307% | 1,793 |
| Total domestic deposits to total assets | 76.7240% | 4,766 |
| Equity capital to assets | 11.7850% | 2,002 |
| Core capital (leverage) ratio | 10.3564% | 3,179 |
| Tier 1 risk-based capital ratio | 11.9673% | 4,522 |
| Total risk-based capital ratio | 12.6785% | 4,727 |
| Memoranda: | ||
| Average total assets | $6,976,346,670 | 177 |
| Average earning assets | $5,932,717,330 | 181 |
| Average equity | $813,782,330 | 178 |
| Average total loans | $4,884,080,330 | 174 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,549 |
| Cost of funding earning assets | 0.5837% | 2,143 |
| Net interest margin | 4.0216% | 1,655 |
| Noninterest income to average assets | 1.7474% | 326 |
| Noninterest expense to average assets | 3.0508% | 1,945 |
| Loan and lease loss provision to assets | 0.2104% | 769 |
| Net operating income to assets | 1.3116% | 1,603 |
| Return on assets (ROA) | 1.5012% | 1,075 |
| Pretax return on assets | 2.1299% | 436 |
| Return on Equity (ROE) | 12.9372% | 1,281 |
| Retained earnings to average equity (ytd only) | 11.4467% | 799 |
| Net charge-offs to loans | 0.2833% | 541 |
| Credit loss provision to net charge-offs | 106.1355% | 1,489 |
| Earnings coverage of net charge-offs (x) | 10.5941% | 1,892 |
| Efficiency ratio | 58.7445% | 4,260 |
| Assets per employee ($millions) | 6.1905% | 1,368 |
| Cash dividends to net income (ytd only)* | 11.5207% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 4,676 |
| Loan loss allowance to noncurrent loans | 116.0859% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 2,707 |
| Noncurrent loans to loans | 0.7230% | 2,403 |
| Net loans and leases to total assets | 69.6057% | 2,544 |
| Net loans and leases to deposits | 91.8463% | 1,471 |
| Net loans and leases to core deposits | 98.9031% | 1,775 |
| Total domestic deposits to total assets | 75.7850% | 4,980 |
| Equity capital to assets | 11.6976% | 1,994 |
| Core capital (leverage) ratio | 10.0753% | 3,452 |
| Tier 1 risk-based capital ratio | 11.6948% | 4,746 |
| Total risk-based capital ratio | 12.4156% | 4,944 |
| Memoranda: | ||
| Average total assets | $6,938,407,500 | 179 |
| Average earning assets | $5,872,639,500 | 180 |
| Average equity | $805,119,500 | 180 |
| Average total loans | $4,855,238,500 | 173 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 1,657 |
| Cost of funding earning assets | 0.4869% | 2,446 |
| Net interest margin | 4.0306% | 1,654 |
| Noninterest income to average assets | 1.6150% | 402 |
| Noninterest expense to average assets | 3.0213% | 2,108 |
| Loan and lease loss provision to assets | 0.1608% | 1,394 |
| Net operating income to assets | 0.8690% | 2,869 |
| Return on assets (ROA) | 0.8876% | 2,804 |
| Pretax return on assets | 1.7961% | 801 |
| Return on Equity (ROE) | 7.5805% | 3,002 |
| Retained earnings to average equity (ytd only) | 5.0746% | 2,079 |
| Net charge-offs to loans | 0.2162% | 1,199 |
| Credit loss provision to net charge-offs | 108.3828% | 2,403 |
| Earnings coverage of net charge-offs (x) | 12.9904% | 2,430 |
| Efficiency ratio | 60.4777% | 4,187 |
| Assets per employee ($millions) | 6.1479% | 1,416 |
| Cash dividends to net income (ytd only)* | 33.0568% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,706 |
| Loan loss allowance to noncurrent loans | 96.0105% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 2,394 |
| Noncurrent loans to loans | 0.8722% | 2,045 |
| Net loans and leases to total assets | 69.1993% | 2,646 |
| Net loans and leases to deposits | 90.8293% | 1,675 |
| Net loans and leases to core deposits | 97.6744% | 1,887 |
| Total domestic deposits to total assets | 76.1861% | 4,960 |
| Equity capital to assets | 11.6485% | 2,075 |
| Core capital (leverage) ratio | 9.8676% | 3,618 |
| Tier 1 risk-based capital ratio | 11.5302% | 4,831 |
| Total risk-based capital ratio | 12.2500% | 5,028 |
| Memoranda: | ||
| Average total assets | $6,816,414,800 | 176 |
| Average earning assets | $5,638,627,400 | 181 |
| Average equity | $798,129,600 | 173 |
| Average total loans | $4,678,625,200 | 173 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,685 |
| Cost of funding earning assets | 0.4767% | 2,460 |
| Net interest margin | 4.0094% | 1,668 |
| Noninterest income to average assets | 1.5963% | 431 |
| Noninterest expense to average assets | 2.9851% | 2,148 |
| Loan and lease loss provision to assets | 0.1356% | 1,591 |
| Net operating income to assets | 1.1803% | 1,773 |
| Return on assets (ROA) | 1.2032% | 1,713 |
| Pretax return on assets | 1.8156% | 855 |
| Return on Equity (ROE) | 10.2625% | 2,005 |
| Retained earnings to average equity (ytd only) | 8.7538% | 926 |
| Net charge-offs to loans | 0.1855% | 1,131 |
| Credit loss provision to net charge-offs | 106.9757% | 2,184 |
| Earnings coverage of net charge-offs (x) | 15.1161% | 2,253 |
| Efficiency ratio | 60.3052% | 4,163 |
| Assets per employee ($millions) | 6.2568% | 1,333 |
| Cash dividends to net income (ytd only)* | 14.7013% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,757 |
| Loan loss allowance to noncurrent loans | 111.8403% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,766 |
| Noncurrent loans to loans | 0.7600% | 2,458 |
| Net loans and leases to total assets | 68.6988% | 2,740 |
| Net loans and leases to deposits | 92.1014% | 1,556 |
| Net loans and leases to core deposits | 97.7143% | 1,906 |
| Total domestic deposits to total assets | 74.5904% | 5,173 |
| Equity capital to assets | 12.0758% | 1,918 |
| Core capital (leverage) ratio | 10.2447% | 3,262 |
| Tier 1 risk-based capital ratio | 11.5187% | 4,954 |
| Total risk-based capital ratio | 12.2232% | 5,150 |
| Memoranda: | ||
| Average total assets | $6,783,733,250 | 175 |
| Average earning assets | $5,592,542,750 | 183 |
| Average equity | $795,353,250 | 171 |
| Average total loans | $4,636,288,500 | 176 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,721 |
| Cost of funding earning assets | 0.4559% | 2,548 |
| Net interest margin | 3.9764% | 1,688 |
| Noninterest income to average assets | 1.5564% | 451 |
| Noninterest expense to average assets | 2.9728% | 2,186 |
| Loan and lease loss provision to assets | 0.1183% | 1,736 |
| Net operating income to assets | 1.1512% | 1,771 |
| Return on assets (ROA) | 1.1716% | 1,737 |
| Pretax return on assets | 1.7600% | 922 |
| Return on Equity (ROE) | 10.0942% | 1,997 |
| Retained earnings to average equity (ytd only) | 8.5669% | 978 |
| Net charge-offs to loans | 0.1629% | 1,191 |
| Credit loss provision to net charge-offs | 106.7715% | 1,926 |
| Earnings coverage of net charge-offs (x) | 16.6756% | 1,968 |
| Efficiency ratio | 61.0325% | 4,161 |
| Assets per employee ($millions) | 5.7063% | 1,696 |
| Cash dividends to net income (ytd only)* | 15.1305% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,790 |
| Loan loss allowance to noncurrent loans | 105.7466% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 2,805 |
| Noncurrent loans to loans | 0.8127% | 2,376 |
| Net loans and leases to total assets | 68.1359% | 2,797 |
| Net loans and leases to deposits | 93.6484% | 1,300 |
| Net loans and leases to core deposits | 99.1531% | 1,713 |
| Total domestic deposits to total assets | 72.7571% | 5,407 |
| Equity capital to assets | 11.8850% | 2,014 |
| Core capital (leverage) ratio | 10.0558% | 3,466 |
| Tier 1 risk-based capital ratio | 11.4224% | 5,006 |
| Total risk-based capital ratio | 12.1361% | 5,225 |
| Memoranda: | ||
| Average total assets | $6,769,573,000 | 176 |
| Average earning assets | $5,557,421,000 | 183 |
| Average equity | $785,697,000 | 173 |
| Average total loans | $4,605,141,330 | 177 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 1,642 |
| Cost of funding earning assets | 0.4515% | 2,512 |
| Net interest margin | 3.9499% | 1,606 |
| Noninterest income to average assets | 1.4663% | 501 |
| Noninterest expense to average assets | 2.9359% | 2,348 |
| Loan and lease loss provision to assets | 0.1278% | 1,510 |
| Net operating income to assets | 1.1113% | 1,824 |
| Return on assets (ROA) | 1.1241% | 1,811 |
| Pretax return on assets | 1.6478% | 1,133 |
| Return on Equity (ROE) | 9.8032% | 2,055 |
| Retained earnings to average equity (ytd only) | 8.2569% | 1,355 |
| Net charge-offs to loans | 0.1823% | 928 |
| Credit loss provision to net charge-offs | 103.5937% | 1,527 |
| Earnings coverage of net charge-offs (x) | 14.2415% | 1,733 |
| Efficiency ratio | 61.8389% | 4,175 |
| Assets per employee ($millions) | 6.1395% | 1,401 |
| Cash dividends to net income (ytd only)* | 15.7737% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 4,893 |
| Loan loss allowance to noncurrent loans | 97.4432% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 2,677 |
| Noncurrent loans to loans | 0.8844% | 2,263 |
| Net loans and leases to total assets | 67.2890% | 2,774 |
| Net loans and leases to deposits | 83.6239% | 2,326 |
| Net loans and leases to core deposits | 90.0262% | 2,342 |
| Total domestic deposits to total assets | 80.4662% | 4,530 |
| Equity capital to assets | 11.5213% | 2,168 |
| Core capital (leverage) ratio | 9.6015% | 4,001 |
| Tier 1 risk-based capital ratio | 11.2486% | 5,172 |
| Total risk-based capital ratio | 11.9689% | 5,369 |
| Memoranda: | ||
| Average total assets | $6,767,641,500 | 174 |
| Average earning assets | $5,527,864,500 | 184 |
| Average equity | $776,034,000 | 175 |
| Average total loans | $4,580,139,500 | 178 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 2,149 |
| Cost of funding earning assets | 0.3622% | 3,391 |
| Net interest margin | 3.9348% | 1,834 |
| Noninterest income to average assets | 1.5524% | 501 |
| Noninterest expense to average assets | 2.9912% | 2,377 |
| Loan and lease loss provision to assets | 0.2135% | 1,051 |
| Net operating income to assets | 1.0508% | 2,142 |
| Return on assets (ROA) | 1.0761% | 2,108 |
| Pretax return on assets | 1.6476% | 1,145 |
| Return on Equity (ROE) | 9.1649% | 2,337 |
| Retained earnings to average equity (ytd only) | -0.3579% | 5,359 |
| Net charge-offs to loans | 0.2506% | 1,107 |
| Credit loss provision to net charge-offs | 125.7846% | 2,127 |
| Earnings coverage of net charge-offs (x) | 10.7342% | 2,607 |
| Efficiency ratio | 61.4250% | 4,350 |
| Assets per employee ($millions) | 6.1882% | 1,338 |
| Cash dividends to net income (ytd only)* | 103.9056% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,874 |
| Loan loss allowance to noncurrent loans | 174.4766% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 3,700 |
| Noncurrent loans to loans | 0.5019% | 3,353 |
| Net loans and leases to total assets | 66.8867% | 2,946 |
| Net loans and leases to deposits | 92.8848% | 1,310 |
| Net loans and leases to core deposits | 98.0950% | 1,761 |
| Total domestic deposits to total assets | 72.0104% | 5,562 |
| Equity capital to assets | 11.4117% | 2,237 |
| Core capital (leverage) ratio | 9.6631% | 3,896 |
| Tier 1 risk-based capital ratio | 11.1936% | 5,223 |
| Total risk-based capital ratio | 11.9251% | 5,414 |
| Memoranda: | ||
| Average total assets | $6,081,705,800 | 182 |
| Average earning assets | $5,040,252,600 | 186 |
| Average equity | $714,070,400 | 175 |
| Average total loans | $4,118,917,600 | 186 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 2,351 |
| Cost of funding earning assets | 0.3500% | 3,538 |
| Net interest margin | 3.8970% | 1,986 |
| Noninterest income to average assets | 1.5772% | 495 |
| Noninterest expense to average assets | 3.0521% | 2,155 |
| Loan and lease loss provision to assets | 0.1771% | 1,266 |
| Net operating income to assets | 1.0378% | 2,254 |
| Return on assets (ROA) | 1.0655% | 2,248 |
| Pretax return on assets | 1.6325% | 1,298 |
| Return on Equity (ROE) | 9.0030% | 2,488 |
| Retained earnings to average equity (ytd only) | -3.9364% | 5,690 |
| Net charge-offs to loans | 0.1967% | 1,193 |
| Credit loss provision to net charge-offs | 132.7368% | 1,953 |
| Earnings coverage of net charge-offs (x) | 13.2470% | 2,325 |
| Efficiency ratio | 62.7830% | 4,100 |
| Assets per employee ($millions) | 6.1942% | 1,297 |
| Cash dividends to net income (ytd only)* | 143.7237% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,961 |
| Loan loss allowance to noncurrent loans | 166.4875% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,809 |
| Noncurrent loans to loans | 0.5244% | 3,423 |
| Net loans and leases to total assets | 67.1104% | 2,936 |
| Net loans and leases to deposits | 91.2752% | 1,599 |
| Net loans and leases to core deposits | 96.5827% | 1,933 |
| Total domestic deposits to total assets | 73.5253% | 5,476 |
| Equity capital to assets | 11.6517% | 2,400 |
| Core capital (leverage) ratio | 10.0500% | 3,503 |
| Tier 1 risk-based capital ratio | 11.1447% | 5,293 |
| Total risk-based capital ratio | 11.8761% | 5,476 |
| Memoranda: | ||
| Average total assets | $5,920,499,750 | 184 |
| Average earning assets | $4,925,288,250 | 190 |
| Average equity | $700,685,500 | 177 |
| Average total loans | $4,013,920,000 | 188 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 2,289 |
| Cost of funding earning assets | 0.3277% | 3,818 |
| Net interest margin | 3.9344% | 1,865 |
| Noninterest income to average assets | 1.5982% | 478 |
| Noninterest expense to average assets | 3.0240% | 2,268 |
| Loan and lease loss provision to assets | 0.0715% | 2,703 |
| Net operating income to assets | 1.1791% | 1,671 |
| Return on assets (ROA) | 1.1988% | 1,697 |
| Pretax return on assets | 1.8259% | 832 |
| Return on Equity (ROE) | 10.0692% | 2,017 |
| Retained earnings to average equity (ytd only) | 3.2824% | 3,809 |
| Net charge-offs to loans | 0.0713% | 2,167 |
| Credit loss provision to net charge-offs | 147.7124% | 1,608 |
| Earnings coverage of net charge-offs (x) | 38.6049% | 1,180 |
| Efficiency ratio | 61.2227% | 4,475 |
| Assets per employee ($millions) | 5.7794% | 1,560 |
| Cash dividends to net income (ytd only)* | 67.4012% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,680 |
| Loan loss allowance to noncurrent loans | 246.7059% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 4,249 |
| Noncurrent loans to loans | 0.3926% | 3,956 |
| Net loans and leases to total assets | 66.2434% | 3,049 |
| Net loans and leases to deposits | 93.4294% | 1,349 |
| Net loans and leases to core deposits | 100.0423% | 1,629 |
| Total domestic deposits to total assets | 70.9021% | 5,732 |
| Equity capital to assets | 11.8818% | 2,211 |
| Core capital (leverage) ratio | 10.4850% | 2,990 |
| Tier 1 risk-based capital ratio | 12.2557% | 4,671 |
| Total risk-based capital ratio | 13.0525% | 4,850 |
| Memoranda: | ||
| Average total assets | $5,692,976,670 | 186 |
| Average earning assets | $4,765,304,670 | 194 |
| Average equity | $677,790,330 | 180 |
| Average total loans | $3,861,769,330 | 192 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 2,391 |
| Cost of funding earning assets | 0.3140% | 4,014 |
| Net interest margin | 3.9099% | 1,908 |
| Noninterest income to average assets | 1.5791% | 470 |
| Noninterest expense to average assets | 3.0223% | 2,329 |
| Loan and lease loss provision to assets | 0.0555% | 2,837 |
| Net operating income to assets | 1.1537% | 1,697 |
| Return on assets (ROA) | 1.1537% | 1,815 |
| Pretax return on assets | 1.7947% | 862 |
| Return on Equity (ROE) | 9.6799% | 2,122 |
| Retained earnings to average equity (ytd only) | -1.0570% | 5,284 |
| Net charge-offs to loans | 0.0326% | 2,304 |
| Credit loss provision to net charge-offs | 249.2013% | 954 |
| Earnings coverage of net charge-offs (x) | 83.1470% | 617 |
| Efficiency ratio | 61.3981% | 4,541 |
| Assets per employee ($millions) | 6.0456% | 1,381 |
| Cash dividends to net income (ytd only)* | 110.9194% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 4,744 |
| Loan loss allowance to noncurrent loans | 171.7081% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 3,770 |
| Noncurrent loans to loans | 0.5672% | 3,490 |
| Net loans and leases to total assets | 67.2674% | 2,769 |
| Net loans and leases to deposits | 92.9954% | 1,227 |
| Net loans and leases to core deposits | 100.6676% | 1,430 |
| Total domestic deposits to total assets | 72.3341% | 5,747 |
| Equity capital to assets | 11.8919% | 2,100 |
| Core capital (leverage) ratio | 10.4973% | 2,967 |
| Tier 1 risk-based capital ratio | 12.1615% | 4,803 |
| Total risk-based capital ratio | 12.9642% | 5,005 |
| Memoranda: | ||
| Average total assets | $5,626,626,500 | 188 |
| Average earning assets | $4,739,389,500 | 195 |
| Average equity | $670,586,500 | 182 |
| Average total loans | $3,844,216,500 | 192 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,460 |
| Cost of funding earning assets | 0.2879% | 4,388 |
| Net interest margin | 3.9418% | 1,897 |
| Noninterest income to average assets | 1.6673% | 470 |
| Noninterest expense to average assets | 3.1651% | 2,049 |
| Loan and lease loss provision to assets | 0.1527% | 1,536 |
| Net operating income to assets | 1.0693% | 2,043 |
| Return on assets (ROA) | 1.0695% | 2,119 |
| Pretax return on assets | 1.6859% | 1,035 |
| Return on Equity (ROE) | 9.2455% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.1604% | 3,037 |
| Net charge-offs to loans | 0.2941% | 1,032 |
| Credit loss provision to net charge-offs | 76.9231% | 3,004 |
| Earnings coverage of net charge-offs (x) | 9.2581% | 2,841 |
| Efficiency ratio | 62.5775% | 4,523 |
| Assets per employee ($millions) | 6.2446% | 1,231 |
| Cash dividends to net income (ytd only)* | 55.0005% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,783 |
| Loan loss allowance to noncurrent loans | 94.6220% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 2,684 |
| Noncurrent loans to loans | 1.0228% | 2,293 |
| Net loans and leases to total assets | 68.0567% | 2,696 |
| Net loans and leases to deposits | 93.8406% | 1,213 |
| Net loans and leases to core deposits | 100.8561% | 1,447 |
| Total domestic deposits to total assets | 72.5238% | 5,763 |
| Equity capital to assets | 11.9448% | 1,997 |
| Core capital (leverage) ratio | 10.8802% | 2,518 |
| Tier 1 risk-based capital ratio | 12.3124% | 4,756 |
| Total risk-based capital ratio | 13.1121% | 4,947 |
| Memoranda: | ||
| Average total assets | $5,100,021,800 | 189 |
| Average earning assets | $4,316,451,800 | 201 |
| Average equity | $589,964,000 | 187 |
| Average total loans | $3,443,586,600 | 194 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 2,809 |
| Cost of funding earning assets | 0.3001% | 4,338 |
| Net interest margin | 3.8299% | 2,270 |
| Noninterest income to average assets | 1.6572% | 470 |
| Noninterest expense to average assets | 3.0763% | 2,279 |
| Loan and lease loss provision to assets | 0.1609% | 1,335 |
| Net operating income to assets | 1.0567% | 2,189 |
| Return on assets (ROA) | 1.0739% | 2,210 |
| Pretax return on assets | 1.6926% | 1,125 |
| Return on Equity (ROE) | 9.3690% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.3690% | 771 |
| Net charge-offs to loans | 0.3596% | 729 |
| Credit loss provision to net charge-offs | 66.6076% | 2,831 |
| Earnings coverage of net charge-offs (x) | 7.5605% | 2,899 |
| Efficiency ratio | 62.0557% | 4,560 |
| Assets per employee ($millions) | 5.7259% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,406 |
| Loan loss allowance to noncurrent loans | 129.2076% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 3,405 |
| Noncurrent loans to loans | 0.8243% | 2,911 |
| Net loans and leases to total assets | 66.8251% | 2,875 |
| Net loans and leases to deposits | 92.0917% | 1,396 |
| Net loans and leases to core deposits | 101.0483% | 1,440 |
| Total domestic deposits to total assets | 72.5637% | 5,824 |
| Equity capital to assets | 11.7308% | 2,324 |
| Core capital (leverage) ratio | 10.8096% | 2,707 |
| Tier 1 risk-based capital ratio | 12.9124% | 4,478 |
| Total risk-based capital ratio | 13.7959% | 4,628 |
| Memoranda: | ||
| Average total assets | $4,980,917,500 | 192 |
| Average earning assets | $4,221,381,500 | 204 |
| Average equity | $570,931,500 | 194 |
| Average total loans | $3,346,425,750 | 198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,912 |
| Cost of funding earning assets | 0.3120% | 4,257 |
| Net interest margin | 3.7828% | 2,391 |
| Noninterest income to average assets | 1.6544% | 485 |
| Noninterest expense to average assets | 3.0922% | 2,264 |
| Loan and lease loss provision to assets | 0.1840% | 1,103 |
| Net operating income to assets | 1.0010% | 2,386 |
| Return on assets (ROA) | 1.0250% | 2,377 |
| Pretax return on assets | 1.6194% | 1,277 |
| Return on Equity (ROE) | 9.0141% | 2,536 |
| Retained earnings to average equity (ytd only) | 9.0141% | 920 |
| Net charge-offs to loans | 0.1890% | 1,324 |
| Credit loss provision to net charge-offs | 145.2055% | 1,565 |
| Earnings coverage of net charge-offs (x) | 13.9350% | 2,095 |
| Efficiency ratio | 62.9936% | 4,519 |
| Assets per employee ($millions) | 5.6916% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,808 |
| Loan loss allowance to noncurrent loans | 116.3410% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 3,022 |
| Noncurrent loans to loans | 1.0295% | 2,590 |
| Net loans and leases to total assets | 66.4436% | 2,879 |
| Net loans and leases to deposits | 94.3700% | 1,119 |
| Net loans and leases to core deposits | 102.6674% | 1,283 |
| Total domestic deposits to total assets | 70.4076% | 6,019 |
| Equity capital to assets | 11.2997% | 2,571 |
| Core capital (leverage) ratio | 10.6728% | 2,765 |
| Tier 1 risk-based capital ratio | 12.5855% | 4,752 |
| Total risk-based capital ratio | 13.5796% | 4,818 |
| Memoranda: | ||
| Average total assets | $4,953,995,670 | 195 |
| Average earning assets | $4,195,626,330 | 207 |
| Average equity | $563,316,330 | 196 |
| Average total loans | $3,322,272,330 | 199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 2,690 |
| Cost of funding earning assets | 0.3208% | 4,214 |
| Net interest margin | 3.8143% | 2,184 |
| Noninterest income to average assets | 1.6295% | 471 |
| Noninterest expense to average assets | 3.1488% | 2,138 |
| Loan and lease loss provision to assets | 0.0642% | 2,645 |
| Net operating income to assets | 1.0374% | 2,088 |
| Return on assets (ROA) | 1.0610% | 2,129 |
| Pretax return on assets | 1.6831% | 1,083 |
| Return on Equity (ROE) | 9.3006% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.3006% | 1,101 |
| Net charge-offs to loans | 0.0860% | 1,859 |
| Credit loss provision to net charge-offs | 111.4894% | 1,502 |
| Earnings coverage of net charge-offs (x) | 29.6922% | 1,158 |
| Efficiency ratio | 64.1376% | 4,457 |
| Assets per employee ($millions) | 5.8413% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 4,004 |
| Loan loss allowance to noncurrent loans | 190.6801% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 3,871 |
| Noncurrent loans to loans | 0.6274% | 3,704 |
| Net loans and leases to total assets | 66.0308% | 2,760 |
| Net loans and leases to deposits | 91.2078% | 1,267 |
| Net loans and leases to core deposits | 100.0430% | 1,314 |
| Total domestic deposits to total assets | 72.3960% | 6,019 |
| Equity capital to assets | 11.4738% | 2,483 |
| Core capital (leverage) ratio | 10.6917% | 2,756 |
| Tier 1 risk-based capital ratio | 12.5897% | 4,843 |
| Total risk-based capital ratio | 13.5605% | 4,951 |
| Memoranda: | ||
| Average total assets | $4,895,374,000 | 195 |
| Average earning assets | $4,145,157,500 | 206 |
| Average equity | $558,457,000 | 194 |
| Average total loans | $3,278,228,000 | 197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 3,489 |
| Cost of funding earning assets | 0.2918% | 4,870 |
| Net interest margin | 3.7667% | 2,748 |
| Noninterest income to average assets | 1.5901% | 500 |
| Noninterest expense to average assets | 3.1311% | 2,419 |
| Loan and lease loss provision to assets | 0.0769% | 2,943 |
| Net operating income to assets | 1.1764% | 1,653 |
| Return on assets (ROA) | 1.1931% | 1,676 |
| Pretax return on assets | 1.5996% | 1,236 |
| Return on Equity (ROE) | 10.5542% | 1,876 |
| Retained earnings to average equity (ytd only) | -3.5016% | 6,120 |
| Net charge-offs to loans | 0.1724% | 2,305 |
| Credit loss provision to net charge-offs | 66.3209% | 3,156 |
| Earnings coverage of net charge-offs (x) | 14.2721% | 2,179 |
| Efficiency ratio | 64.8646% | 4,424 |
| Assets per employee ($millions) | 5.8211% | 1,510 |
| Cash dividends to net income (ytd only)* | 133.1774% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 3,926 |
| Loan loss allowance to noncurrent loans | 163.9267% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 3,744 |
| Noncurrent loans to loans | 0.7391% | 3,472 |
| Net loans and leases to total assets | 66.2909% | 2,839 |
| Net loans and leases to deposits | 86.7655% | 1,877 |
| Net loans and leases to core deposits | 94.9511% | 1,818 |
| Total domestic deposits to total assets | 76.4024% | 5,677 |
| Equity capital to assets | 11.3407% | 2,571 |
| Core capital (leverage) ratio | 10.2471% | 3,251 |
| Tier 1 risk-based capital ratio | 12.7917% | 4,861 |
| Total risk-based capital ratio | 13.8328% | 4,902 |
| Memoranda: | ||
| Average total assets | $4,657,202,800 | 195 |
| Average earning assets | $3,950,657,600 | 204 |
| Average equity | $526,471,600 | 196 |
| Average total loans | $3,131,919,800 | 193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,684 |
| Cost of funding earning assets | 0.2904% | 4,983 |
| Net interest margin | 3.7302% | 2,900 |
| Noninterest income to average assets | 1.5902% | 505 |
| Noninterest expense to average assets | 3.1163% | 2,420 |
| Loan and lease loss provision to assets | 0.0872% | 2,610 |
| Net operating income to assets | 1.2049% | 1,663 |
| Return on assets (ROA) | 1.2270% | 1,652 |
| Pretax return on assets | 1.5817% | 1,383 |
| Return on Equity (ROE) | 10.8634% | 1,851 |
| Retained earnings to average equity (ytd only) | 2.6681% | 4,698 |
| Net charge-offs to loans | 0.2052% | 1,827 |
| Credit loss provision to net charge-offs | 63.1259% | 2,888 |
| Earnings coverage of net charge-offs (x) | 11.8823% | 2,369 |
| Efficiency ratio | 64.9776% | 4,375 |
| Assets per employee ($millions) | 5.8681% | 1,432 |
| Cash dividends to net income (ytd only)* | 75.4397% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,126 |
| Loan loss allowance to noncurrent loans | 143.8188% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 3,698 |
| Noncurrent loans to loans | 0.8482% | 3,450 |
| Net loans and leases to total assets | 66.9352% | 2,695 |
| Net loans and leases to deposits | 90.6840% | 1,361 |
| Net loans and leases to core deposits | 101.8872% | 1,223 |
| Total domestic deposits to total assets | 73.8115% | 6,032 |
| Equity capital to assets | 11.9642% | 2,085 |
| Core capital (leverage) ratio | 11.0063% | 2,476 |
| Tier 1 risk-based capital ratio | 13.6472% | 4,448 |
| Total risk-based capital ratio | 14.7040% | 4,516 |
| Memoranda: | ||
| Average total assets | $4,609,249,750 | 196 |
| Average earning assets | $3,912,946,250 | 202 |
| Average equity | $520,611,750 | 198 |
| Average total loans | $3,101,428,750 | 191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,745 |
| Cost of funding earning assets | 0.2860% | 5,123 |
| Net interest margin | 3.7088% | 2,925 |
| Noninterest income to average assets | 1.5665% | 510 |
| Noninterest expense to average assets | 3.0269% | 2,733 |
| Loan and lease loss provision to assets | 0.1177% | 2,077 |
| Net operating income to assets | 1.3113% | 1,277 |
| Return on assets (ROA) | 1.3461% | 1,239 |
| Pretax return on assets | 1.6113% | 1,224 |
| Return on Equity (ROE) | 12.1694% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.1694% | 407 |
| Net charge-offs to loans | 0.1664% | 2,059 |
| Credit loss provision to net charge-offs | 105.3873% | 1,899 |
| Earnings coverage of net charge-offs (x) | 15.1093% | 1,872 |
| Efficiency ratio | 63.6941% | 4,742 |
| Assets per employee ($millions) | 5.7090% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 3,674 |
| Loan loss allowance to noncurrent loans | 121.4909% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 3,471 |
| Noncurrent loans to loans | 1.0979% | 3,030 |
| Net loans and leases to total assets | 66.4425% | 2,686 |
| Net loans and leases to deposits | 96.4755% | 767 |
| Net loans and leases to core deposits | 107.3436% | 808 |
| Total domestic deposits to total assets | 68.8698% | 6,393 |
| Equity capital to assets | 11.4507% | 2,464 |
| Core capital (leverage) ratio | 10.8172% | 2,608 |
| Tier 1 risk-based capital ratio | 13.5273% | 4,560 |
| Total risk-based capital ratio | 14.6817% | 4,571 |
| Memoranda: | ||
| Average total assets | $4,553,467,670 | 198 |
| Average earning assets | $3,864,974,330 | 202 |
| Average equity | $503,655,000 | 202 |
| Average total loans | $3,056,335,330 | 192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,950 |
| Cost of funding earning assets | 0.2767% | 5,317 |
| Net interest margin | 3.6579% | 3,030 |
| Noninterest income to average assets | 1.5127% | 515 |
| Noninterest expense to average assets | 2.9865% | 2,911 |
| Loan and lease loss provision to assets | 0.2324% | 954 |
| Net operating income to assets | 1.4883% | 839 |
| Return on assets (ROA) | 1.5394% | 782 |
| Pretax return on assets | 1.4478% | 1,591 |
| Return on Equity (ROE) | 14.1718% | 913 |
| Retained earnings to average equity (ytd only) | 14.1718% | 381 |
| Net charge-offs to loans | 0.3357% | 1,067 |
| Credit loss provision to net charge-offs | 103.2993% | 1,615 |
| Earnings coverage of net charge-offs (x) | 7.2412% | 2,139 |
| Efficiency ratio | 64.1816% | 4,833 |
| Assets per employee ($millions) | 5.9291% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 3,831 |
| Loan loss allowance to noncurrent loans | 101.9664% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 3,313 |
| Noncurrent loans to loans | 1.3282% | 2,812 |
| Net loans and leases to total assets | 66.2788% | 2,519 |
| Net loans and leases to deposits | 94.2395% | 766 |
| Net loans and leases to core deposits | 106.2909% | 746 |
| Total domestic deposits to total assets | 70.3302% | 6,440 |
| Equity capital to assets | 11.1151% | 2,612 |
| Core capital (leverage) ratio | 10.6753% | 2,732 |
| Tier 1 risk-based capital ratio | 13.4713% | 4,709 |
| Total risk-based capital ratio | 14.6590% | 4,690 |
| Memoranda: | ||
| Average total assets | $4,526,637,500 | 200 |
| Average earning assets | $3,839,753,500 | 203 |
| Average equity | $491,707,500 | 207 |
| Average total loans | $3,033,266,500 | 191 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 4,272 |
| Cost of funding earning assets | 0.3237% | 5,391 |
| Net interest margin | 3.6280% | 3,337 |
| Noninterest income to average assets | 1.5773% | 578 |
| Noninterest expense to average assets | 2.9631% | 3,151 |
| Loan and lease loss provision to assets | 0.1629% | 2,239 |
| Net operating income to assets | 0.9372% | 2,615 |
| Return on assets (ROA) | 0.9883% | 2,448 |
| Pretax return on assets | 1.5638% | 1,259 |
| Return on Equity (ROE) | 9.3129% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.1724% | 1,369 |
| Net charge-offs to loans | 0.3437% | 1,962 |
| Credit loss provision to net charge-offs | 72.8122% | 3,229 |
| Earnings coverage of net charge-offs (x) | 7.3601% | 2,860 |
| Efficiency ratio | 63.8191% | 4,931 |
| Assets per employee ($millions) | 5.9836% | 1,282 |
| Cash dividends to net income (ytd only)* | 22.9848% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 3,806 |
| Loan loss allowance to noncurrent loans | 131.0040% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 3,887 |
| Noncurrent loans to loans | 1.0442% | 3,423 |
| Net loans and leases to total assets | 65.9144% | 2,702 |
| Net loans and leases to deposits | 92.7012% | 987 |
| Net loans and leases to core deposits | 101.9782% | 1,033 |
| Total domestic deposits to total assets | 71.1041% | 6,474 |
| Equity capital to assets | 10.6083% | 3,036 |
| Core capital (leverage) ratio | 10.3497% | 3,093 |
| Tier 1 risk-based capital ratio | 13.1603% | 4,876 |
| Total risk-based capital ratio | 14.3601% | 4,849 |
| Memoranda: | ||
| Average total assets | $4,402,161,200 | 195 |
| Average earning assets | $3,679,663,000 | 203 |
| Average equity | $467,168,000 | 206 |
| Average total loans | $2,865,917,800 | 189 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 4,350 |
| Cost of funding earning assets | 0.3370% | 5,414 |
| Net interest margin | 3.6023% | 3,436 |
| Noninterest income to average assets | 1.5729% | 592 |
| Noninterest expense to average assets | 2.9573% | 3,121 |
| Loan and lease loss provision to assets | 0.1792% | 2,030 |
| Net operating income to assets | 0.9045% | 2,812 |
| Return on assets (ROA) | 0.9602% | 2,644 |
| Pretax return on assets | 1.5286% | 1,525 |
| Return on Equity (ROE) | 9.0475% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.1759% | 2,298 |
| Net charge-offs to loans | 0.3946% | 1,626 |
| Credit loss provision to net charge-offs | 70.2425% | 3,066 |
| Earnings coverage of net charge-offs (x) | 6.3528% | 2,991 |
| Efficiency ratio | 64.2084% | 4,765 |
| Assets per employee ($millions) | 5.7192% | 1,432 |
| Cash dividends to net income (ytd only)* | 31.7390% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 3,751 |
| Loan loss allowance to noncurrent loans | 106.7039% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 3,563 |
| Noncurrent loans to loans | 1.3463% | 3,167 |
| Net loans and leases to total assets | 64.6332% | 2,896 |
| Net loans and leases to deposits | 90.5038% | 1,109 |
| Net loans and leases to core deposits | 100.8320% | 1,062 |
| Total domestic deposits to total assets | 71.4149% | 6,528 |
| Equity capital to assets | 10.5202% | 3,251 |
| Core capital (leverage) ratio | 10.2599% | 3,304 |
| Tier 1 risk-based capital ratio | 13.1554% | 5,012 |
| Total risk-based capital ratio | 14.4020% | 4,964 |
| Memoranda: | ||
| Average total assets | $4,374,801,000 | 192 |
| Average earning assets | $3,649,611,250 | 201 |
| Average equity | $464,309,000 | 205 |
| Average total loans | $2,828,637,500 | 188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 4,491 |
| Cost of funding earning assets | 0.3537% | 5,368 |
| Net interest margin | 3.5434% | 3,590 |
| Noninterest income to average assets | 1.5431% | 660 |
| Noninterest expense to average assets | 2.9622% | 3,117 |
| Loan and lease loss provision to assets | 0.1791% | 2,118 |
| Net operating income to assets | 0.8808% | 2,893 |
| Return on assets (ROA) | 0.9567% | 2,682 |
| Pretax return on assets | 1.4742% | 1,699 |
| Return on Equity (ROE) | 8.9878% | 2,611 |
| Retained earnings to average equity (ytd only) | 4.6854% | 3,272 |
| Net charge-offs to loans | 0.4511% | 1,454 |
| Credit loss provision to net charge-offs | 61.6974% | 2,986 |
| Earnings coverage of net charge-offs (x) | 5.2928% | 2,919 |
| Efficiency ratio | 65.4481% | 4,641 |
| Assets per employee ($millions) | 5.5037% | 1,587 |
| Cash dividends to net income (ytd only)* | 47.8698% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 3,789 |
| Loan loss allowance to noncurrent loans | 100.8066% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 3,536 |
| Noncurrent loans to loans | 1.4441% | 3,136 |
| Net loans and leases to total assets | 63.8727% | 2,931 |
| Net loans and leases to deposits | 90.4194% | 1,103 |
| Net loans and leases to core deposits | 100.0803% | 1,073 |
| Total domestic deposits to total assets | 70.6405% | 6,631 |
| Equity capital to assets | 10.3218% | 3,524 |
| Core capital (leverage) ratio | 10.0143% | 3,487 |
| Tier 1 risk-based capital ratio | 13.0362% | 5,114 |
| Total risk-based capital ratio | 14.2865% | 5,059 |
| Memoranda: | ||
| Average total assets | $4,367,052,000 | 190 |
| Average earning assets | $3,642,703,000 | 199 |
| Average equity | $464,850,670 | 206 |
| Average total loans | $2,810,173,000 | 187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 4,488 |
| Cost of funding earning assets | 0.3689% | 5,379 |
| Net interest margin | 3.5262% | 3,591 |
| Noninterest income to average assets | 1.4372% | 740 |
| Noninterest expense to average assets | 2.9248% | 3,252 |
| Loan and lease loss provision to assets | 0.2051% | 1,811 |
| Net operating income to assets | 0.8077% | 3,112 |
| Return on assets (ROA) | 0.9059% | 2,773 |
| Pretax return on assets | 1.4000% | 1,852 |
| Return on Equity (ROE) | 8.3822% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.3822% | 1,614 |
| Net charge-offs to loans | 0.4595% | 1,299 |
| Credit loss provision to net charge-offs | 69.6100% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.9354% | 2,445 |
| Efficiency ratio | 66.3868% | 4,601 |
| Assets per employee ($millions) | 5.6889% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,678 |
| Loan loss allowance to noncurrent loans | 93.1203% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 3,540 |
| Noncurrent loans to loans | 1.6474% | 3,073 |
| Net loans and leases to total assets | 63.5093% | 2,801 |
| Net loans and leases to deposits | 84.8023% | 1,498 |
| Net loans and leases to core deposits | 94.4369% | 1,313 |
| Total domestic deposits to total assets | 74.8911% | 6,464 |
| Equity capital to assets | 10.8908% | 3,087 |
| Core capital (leverage) ratio | 10.1179% | 3,253 |
| Tier 1 risk-based capital ratio | 13.2701% | 5,036 |
| Total risk-based capital ratio | 14.5213% | 4,986 |
| Memoranda: | ||
| Average total assets | $4,351,857,000 | 195 |
| Average earning assets | $3,630,310,000 | 202 |
| Average equity | $470,328,500 | 207 |
| Average total loans | $2,790,130,500 | 192 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 4,745 |
| Cost of funding earning assets | 0.6031% | 4,318 |
| Net interest margin | 3.5541% | 4,285 |
| Noninterest income to average assets | 1.3681% | 834 |
| Noninterest expense to average assets | 2.9762% | 3,358 |
| Loan and lease loss provision to assets | 0.7489% | 670 |
| Net operating income to assets | 0.4089% | 5,064 |
| Return on assets (ROA) | 0.7323% | 3,840 |
| Pretax return on assets | 1.1296% | 3,054 |
| Return on Equity (ROE) | 6.9350% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.9350% | 1,600 |
| Net charge-offs to loans | 1.4953% | 601 |
| Credit loss provision to net charge-offs | 77.7778% | 3,902 |
| Earnings coverage of net charge-offs (x) | 1.4340% | 4,734 |
| Efficiency ratio | 67.7969% | 4,185 |
| Assets per employee ($millions) | 5.7942% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 3,404 |
| Loan loss allowance to noncurrent loans | 90.4750% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 3,620 |
| Noncurrent loans to loans | 1.7459% | 2,995 |
| Net loans and leases to total assets | 62.7236% | 3,115 |
| Net loans and leases to deposits | 81.9812% | 2,002 |
| Net loans and leases to core deposits | 91.0753% | 1,716 |
| Total domestic deposits to total assets | 76.5098% | 6,286 |
| Equity capital to assets | 10.7247% | 3,250 |
| Core capital (leverage) ratio | 9.8346% | 3,621 |
| Tier 1 risk-based capital ratio | 13.0361% | 5,082 |
| Total risk-based capital ratio | 14.2878% | 5,022 |
| Memoranda: | ||
| Average total assets | $4,279,791,400 | 191 |
| Average earning assets | $3,599,322,800 | 203 |
| Average equity | $451,954,200 | 209 |
| Average total loans | $2,755,976,200 | 189 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 4,802 |
| Cost of funding earning assets | 0.6366% | 4,302 |
| Net interest margin | 3.5699% | 4,355 |
| Noninterest income to average assets | 1.3337% | 832 |
| Noninterest expense to average assets | 2.8686% | 3,719 |
| Loan and lease loss provision to assets | 0.8884% | 502 |
| Net operating income to assets | 0.3791% | 5,330 |
| Return on assets (ROA) | 0.7387% | 3,992 |
| Pretax return on assets | 1.1339% | 3,213 |
| Return on Equity (ROE) | 7.0233% | 3,800 |
| Retained earnings to average equity (ytd only) | 7.0233% | 2,114 |
| Net charge-offs to loans | 1.7388% | 466 |
| Credit loss provision to net charge-offs | 79.1361% | 3,649 |
| Earnings coverage of net charge-offs (x) | 1.3086% | 4,640 |
| Efficiency ratio | 65.6101% | 4,521 |
| Assets per employee ($millions) | 5.7060% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,230 |
| Loan loss allowance to noncurrent loans | 109.0548% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 3,994 |
| Noncurrent loans to loans | 1.5357% | 3,485 |
| Net loans and leases to total assets | 62.9757% | 3,207 |
| Net loans and leases to deposits | 83.0484% | 1,995 |
| Net loans and leases to core deposits | 96.5362% | 1,369 |
| Total domestic deposits to total assets | 75.8302% | 6,407 |
| Equity capital to assets | 10.9410% | 3,338 |
| Core capital (leverage) ratio | 9.9075% | 3,682 |
| Tier 1 risk-based capital ratio | 13.0264% | 5,218 |
| Total risk-based capital ratio | 14.2788% | 5,181 |
| Memoranda: | ||
| Average total assets | $4,258,972,750 | 193 |
| Average earning assets | $3,583,860,250 | 204 |
| Average equity | $447,961,500 | 212 |
| Average total loans | $2,749,821,250 | 192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 4,627 |
| Cost of funding earning assets | 0.6647% | 4,326 |
| Net interest margin | 3.6205% | 4,180 |
| Noninterest income to average assets | 1.2841% | 862 |
| Noninterest expense to average assets | 2.8813% | 3,694 |
| Loan and lease loss provision to assets | 1.1558% | 364 |
| Net operating income to assets | 0.1782% | 5,986 |
| Return on assets (ROA) | 0.6391% | 4,420 |
| Pretax return on assets | 1.0082% | 3,672 |
| Return on Equity (ROE) | 6.1585% | 4,239 |
| Retained earnings to average equity (ytd only) | 6.1585% | 2,601 |
| Net charge-offs to loans | 2.2675% | 332 |
| Credit loss provision to net charge-offs | 78.7365% | 3,354 |
| Earnings coverage of net charge-offs (x) | 0.9836% | 4,540 |
| Efficiency ratio | 66.0760% | 4,516 |
| Assets per employee ($millions) | 5.3441% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 3,206 |
| Loan loss allowance to noncurrent loans | 107.0089% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 3,907 |
| Noncurrent loans to loans | 1.5931% | 3,520 |
| Net loans and leases to total assets | 63.9767% | 3,040 |
| Net loans and leases to deposits | 84.2489% | 1,825 |
| Net loans and leases to core deposits | 98.3130% | 1,242 |
| Total domestic deposits to total assets | 75.9378% | 6,470 |
| Equity capital to assets | 10.7082% | 3,445 |
| Core capital (leverage) ratio | 9.8210% | 3,684 |
| Tier 1 risk-based capital ratio | 12.7351% | 5,390 |
| Total risk-based capital ratio | 13.9879% | 5,356 |
| Memoranda: | ||
| Average total assets | $4,261,647,000 | 191 |
| Average earning assets | $3,579,628,000 | 203 |
| Average equity | $442,250,330 | 213 |
| Average total loans | $2,758,873,670 | 190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 4,638 |
| Cost of funding earning assets | 0.7148% | 4,155 |
| Net interest margin | 3.6097% | 4,222 |
| Noninterest income to average assets | 1.2465% | 912 |
| Noninterest expense to average assets | 2.7813% | 4,121 |
| Loan and lease loss provision to assets | 0.7669% | 652 |
| Net operating income to assets | 0.4688% | 4,964 |
| Return on assets (ROA) | 0.5900% | 4,609 |
| Pretax return on assets | 0.9208% | 3,965 |
| Return on Equity (ROE) | 5.7751% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.7751% | 3,091 |
| Net charge-offs to loans | 0.7962% | 1,290 |
| Credit loss provision to net charge-offs | 149.1768% | 1,678 |
| Earnings coverage of net charge-offs (x) | 2.9144% | 3,019 |
| Efficiency ratio | 64.4396% | 4,842 |
| Assets per employee ($millions) | 5.7515% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 2,346 |
| Loan loss allowance to noncurrent loans | 74.3696% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8923% | 3,055 |
| Noncurrent loans to loans | 2.6913% | 2,422 |
| Net loans and leases to total assets | 63.2510% | 2,992 |
| Net loans and leases to deposits | 85.2767% | 1,502 |
| Net loans and leases to core deposits | 100.1579% | 977 |
| Total domestic deposits to total assets | 74.1715% | 6,729 |
| Equity capital to assets | 10.2383% | 3,802 |
| Core capital (leverage) ratio | 9.3370% | 4,305 |
| Tier 1 risk-based capital ratio | 12.3106% | 5,750 |
| Total risk-based capital ratio | 13.5667% | 5,706 |
| Memoranda: | ||
| Average total assets | $4,300,253,000 | 188 |
| Average earning assets | $3,613,375,000 | 200 |
| Average equity | $439,336,500 | 211 |
| Average total loans | $2,776,563,500 | 187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 4,598 |
| Cost of funding earning assets | 0.9313% | 3,862 |
| Net interest margin | 3.6867% | 4,357 |
| Noninterest income to average assets | 1.2217% | 883 |
| Noninterest expense to average assets | 2.9106% | 3,916 |
| Loan and lease loss provision to assets | 0.6821% | 1,502 |
| Net operating income to assets | 0.4747% | 4,525 |
| Return on assets (ROA) | 0.5531% | 4,402 |
| Pretax return on assets | 0.8330% | 3,852 |
| Return on Equity (ROE) | 5.3761% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.3761% | 2,390 |
| Net charge-offs to loans | 0.8573% | 2,025 |
| Credit loss provision to net charge-offs | 121.9019% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.4954% | 3,965 |
| Efficiency ratio | 66.7476% | 4,615 |
| Assets per employee ($millions) | 5.6331% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,511 |
| Loan loss allowance to noncurrent loans | 73.6629% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.9563% | 3,027 |
| Noncurrent loans to loans | 2.6058% | 2,509 |
| Net loans and leases to total assets | 63.3525% | 3,321 |
| Net loans and leases to deposits | 86.0955% | 1,656 |
| Net loans and leases to core deposits | 100.3342% | 1,145 |
| Total domestic deposits to total assets | 73.5839% | 6,760 |
| Equity capital to assets | 10.1946% | 3,912 |
| Core capital (leverage) ratio | 9.2904% | 4,347 |
| Tier 1 risk-based capital ratio | 12.1760% | 5,704 |
| Total risk-based capital ratio | 13.4309% | 5,680 |
| Memoranda: | ||
| Average total assets | $4,104,352,800 | 193 |
| Average earning assets | $3,434,802,400 | 204 |
| Average equity | $422,276,200 | 209 |
| Average total loans | $2,678,776,200 | 190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 4,563 |
| Cost of funding earning assets | 0.9823% | 3,802 |
| Net interest margin | 3.6935% | 4,365 |
| Noninterest income to average assets | 1.2349% | 853 |
| Noninterest expense to average assets | 2.9168% | 3,857 |
| Loan and lease loss provision to assets | 0.6912% | 1,399 |
| Net operating income to assets | 0.4791% | 4,639 |
| Return on assets (ROA) | 0.5440% | 4,532 |
| Pretax return on assets | 0.8142% | 4,073 |
| Return on Equity (ROE) | 5.2751% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.2751% | 3,007 |
| Net charge-offs to loans | 1.1670% | 1,347 |
| Credit loss provision to net charge-offs | 90.5018% | 3,756 |
| Earnings coverage of net charge-offs (x) | 1.8441% | 4,284 |
| Efficiency ratio | 66.5209% | 4,616 |
| Assets per employee ($millions) | 5.5619% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,268 |
| Loan loss allowance to noncurrent loans | 64.3939% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.9835% | 3,158 |
| Noncurrent loans to loans | 2.6410% | 2,633 |
| Net loans and leases to total assets | 63.2675% | 3,461 |
| Net loans and leases to deposits | 89.2981% | 1,288 |
| Net loans and leases to core deposits | 102.6949% | 1,058 |
| Total domestic deposits to total assets | 70.8498% | 6,992 |
| Equity capital to assets | 10.3041% | 3,945 |
| Core capital (leverage) ratio | 9.3480% | 4,377 |
| Tier 1 risk-based capital ratio | 12.2666% | 5,689 |
| Total risk-based capital ratio | 13.5189% | 5,671 |
| Memoranda: | ||
| Average total assets | $4,060,153,750 | 198 |
| Average earning assets | $3,397,109,500 | 204 |
| Average equity | $418,734,000 | 209 |
| Average total loans | $2,657,147,000 | 191 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 4,544 |
| Cost of funding earning assets | 1.0268% | 3,766 |
| Net interest margin | 3.6710% | 4,407 |
| Noninterest income to average assets | 1.1930% | 907 |
| Noninterest expense to average assets | 2.8747% | 4,130 |
| Loan and lease loss provision to assets | 0.7213% | 1,302 |
| Net operating income to assets | 0.4499% | 4,722 |
| Return on assets (ROA) | 0.4838% | 4,719 |
| Pretax return on assets | 0.7245% | 4,299 |
| Return on Equity (ROE) | 4.6899% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.6899% | 3,203 |
| Net charge-offs to loans | 1.1771% | 1,326 |
| Credit loss provision to net charge-offs | 93.1054% | 3,373 |
| Earnings coverage of net charge-offs (x) | 1.8007% | 3,966 |
| Efficiency ratio | 66.7063% | 4,743 |
| Assets per employee ($millions) | 5.4900% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 3,097 |
| Loan loss allowance to noncurrent loans | 60.3441% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.0103% | 3,217 |
| Noncurrent loans to loans | 2.9306% | 2,486 |
| Net loans and leases to total assets | 63.2336% | 3,631 |
| Net loans and leases to deposits | 90.6040% | 1,214 |
| Net loans and leases to core deposits | 101.5527% | 1,207 |
| Total domestic deposits to total assets | 69.7912% | 7,124 |
| Equity capital to assets | 10.1174% | 3,994 |
| Core capital (leverage) ratio | 9.2573% | 4,317 |
| Tier 1 risk-based capital ratio | 12.3355% | 5,489 |
| Total risk-based capital ratio | 13.5890% | 5,467 |
| Memoranda: | ||
| Average total assets | $4,017,503,000 | 201 |
| Average earning assets | $3,367,248,330 | 208 |
| Average equity | $414,463,670 | 211 |
| Average total loans | $2,644,344,670 | 195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 4,505 |
| Cost of funding earning assets | 1.0543% | 3,824 |
| Net interest margin | 3.6503% | 4,327 |
| Noninterest income to average assets | 1.0365% | 1,227 |
| Noninterest expense to average assets | 2.8968% | 4,069 |
| Loan and lease loss provision to assets | 0.5981% | 1,439 |
| Net operating income to assets | 0.3966% | 4,962 |
| Return on assets (ROA) | 0.4235% | 4,929 |
| Pretax return on assets | 0.6643% | 4,441 |
| Return on Equity (ROE) | 4.0638% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.0638% | 3,717 |
| Net charge-offs to loans | 1.2143% | 1,144 |
| Credit loss provision to net charge-offs | 73.9795% | 3,280 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 3,575 |
| Efficiency ratio | 69.7035% | 4,333 |
| Assets per employee ($millions) | 5.6420% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 3,161 |
| Loan loss allowance to noncurrent loans | 59.2712% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 3,084 |
| Noncurrent loans to loans | 2.9577% | 2,540 |
| Net loans and leases to total assets | 65.6180% | 3,108 |
| Net loans and leases to deposits | 91.2337% | 1,089 |
| Net loans and leases to core deposits | 102.4139% | 1,171 |
| Total domestic deposits to total assets | 71.9229% | 7,081 |
| Equity capital to assets | 10.4763% | 3,201 |
| Core capital (leverage) ratio | 9.6083% | 3,652 |
| Tier 1 risk-based capital ratio | 12.4410% | 5,317 |
| Total risk-based capital ratio | 13.6945% | 5,292 |
| Memoranda: | ||
| Average total assets | $3,951,042,500 | 203 |
| Average earning assets | $3,334,534,500 | 206 |
| Average equity | $411,737,000 | 209 |
| Average total loans | $2,630,663,000 | 195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 4,667 |
| Cost of funding earning assets | 1.3025% | 3,865 |
| Net interest margin | 3.6746% | 4,473 |
| Noninterest income to average assets | 1.2331% | 994 |
| Noninterest expense to average assets | 2.8137% | 4,545 |
| Loan and lease loss provision to assets | 1.0966% | 1,460 |
| Net operating income to assets | 0.3381% | 4,796 |
| Return on assets (ROA) | 0.3505% | 4,903 |
| Pretax return on assets | 0.4830% | 4,679 |
| Return on Equity (ROE) | 3.7467% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.7467% | 3,245 |
| Net charge-offs to loans | 1.3866% | 1,609 |
| Credit loss provision to net charge-offs | 119.0912% | 3,564 |
| Earnings coverage of net charge-offs (x) | 1.6969% | 4,455 |
| Efficiency ratio | 64.0451% | 5,350 |
| Assets per employee ($millions) | 5.7452% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 2,712 |
| Loan loss allowance to noncurrent loans | 73.0450% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 3,473 |
| Noncurrent loans to loans | 2.5214% | 3,007 |
| Net loans and leases to total assets | 65.1519% | 3,637 |
| Net loans and leases to deposits | 90.9499% | 1,405 |
| Net loans and leases to core deposits | 105.1601% | 1,244 |
| Total domestic deposits to total assets | 71.6349% | 7,115 |
| Equity capital to assets | 10.3657% | 3,315 |
| Core capital (leverage) ratio | 9.4880% | 3,716 |
| Tier 1 risk-based capital ratio | 12.3608% | 5,150 |
| Total risk-based capital ratio | 13.6153% | 5,116 |
| Memoranda: | ||
| Average total assets | $3,819,152,000 | 207 |
| Average earning assets | $3,266,772,800 | 212 |
| Average equity | $357,276,400 | 226 |
| Average total loans | $2,536,196,600 | 206 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 4,636 |
| Cost of funding earning assets | 1.3451% | 3,941 |
| Net interest margin | 3.6929% | 4,441 |
| Noninterest income to average assets | 1.2511% | 877 |
| Noninterest expense to average assets | 2.7815% | 4,562 |
| Loan and lease loss provision to assets | 1.1263% | 1,287 |
| Net operating income to assets | 0.3681% | 4,895 |
| Return on assets (ROA) | 0.4098% | 4,886 |
| Pretax return on assets | 0.5696% | 4,692 |
| Return on Equity (ROE) | 4.5074% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.5074% | 3,341 |
| Net charge-offs to loans | 1.3685% | 1,482 |
| Credit loss provision to net charge-offs | 123.9160% | 3,309 |
| Earnings coverage of net charge-offs (x) | 1.8021% | 4,361 |
| Efficiency ratio | 62.6880% | 5,487 |
| Assets per employee ($millions) | 5.8062% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 2,492 |
| Loan loss allowance to noncurrent loans | 78.3824% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.7350% | 3,839 |
| Noncurrent loans to loans | 2.4189% | 3,212 |
| Net loans and leases to total assets | 65.2031% | 3,867 |
| Net loans and leases to deposits | 90.0590% | 1,712 |
| Net loans and leases to core deposits | 105.6484% | 1,353 |
| Total domestic deposits to total assets | 72.4005% | 7,096 |
| Equity capital to assets | 9.4059% | 4,975 |
| Core capital (leverage) ratio | 8.9092% | 4,836 |
| Tier 1 risk-based capital ratio | 11.5473% | 5,881 |
| Total risk-based capital ratio | 12.8021% | 5,868 |
| Memoranda: | ||
| Average total assets | $3,785,761,500 | 207 |
| Average earning assets | $3,247,961,250 | 212 |
| Average equity | $344,163,500 | 230 |
| Average total loans | $2,514,348,750 | 205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 4,664 |
| Cost of funding earning assets | 1.3578% | 4,140 |
| Net interest margin | 3.7006% | 4,364 |
| Noninterest income to average assets | 1.0068% | 1,367 |
| Noninterest expense to average assets | 2.8142% | 4,428 |
| Loan and lease loss provision to assets | 1.1630% | 1,222 |
| Net operating income to assets | 0.1859% | 5,613 |
| Return on assets (ROA) | 0.1955% | 5,703 |
| Pretax return on assets | 0.2149% | 5,739 |
| Return on Equity (ROE) | 2.1758% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.1758% | 4,761 |
| Net charge-offs to loans | 1.3052% | 1,457 |
| Credit loss provision to net charge-offs | 134.1953% | 2,993 |
| Earnings coverage of net charge-offs (x) | 1.5777% | 4,308 |
| Efficiency ratio | 67.0366% | 4,756 |
| Assets per employee ($millions) | 5.7929% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 2,461 |
| Loan loss allowance to noncurrent loans | 84.0483% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,857 |
| Noncurrent loans to loans | 2.2410% | 3,439 |
| Net loans and leases to total assets | 64.8204% | 4,079 |
| Net loans and leases to deposits | 92.4893% | 1,459 |
| Net loans and leases to core deposits | 111.3769% | 1,070 |
| Total domestic deposits to total assets | 70.0842% | 7,323 |
| Equity capital to assets | 9.1672% | 5,192 |
| Core capital (leverage) ratio | 8.6878% | 5,094 |
| Tier 1 risk-based capital ratio | 11.2585% | 5,988 |
| Total risk-based capital ratio | 12.5131% | 5,968 |
| Memoranda: | ||
| Average total assets | $3,783,873,330 | 206 |
| Average earning assets | $3,246,186,000 | 212 |
| Average equity | $340,011,670 | 231 |
| Average total loans | $2,512,496,000 | 205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 4,933 |
| Cost of funding earning assets | 1.3912% | 4,235 |
| Net interest margin | 3.6276% | 4,588 |
| Noninterest income to average assets | 1.0287% | 1,213 |
| Noninterest expense to average assets | 2.9957% | 3,696 |
| Loan and lease loss provision to assets | 1.2078% | 1,005 |
| Net operating income to assets | 0.0503% | 6,159 |
| Return on assets (ROA) | 0.0503% | 6,270 |
| Pretax return on assets | -0.0655% | 6,423 |
| Return on Equity (ROE) | 0.5653% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.5653% | 5,602 |
| Net charge-offs to loans | 1.1044% | 1,523 |
| Credit loss provision to net charge-offs | 164.2909% | 2,209 |
| Earnings coverage of net charge-offs (x) | 1.5538% | 3,798 |
| Efficiency ratio | 72.1284% | 3,910 |
| Assets per employee ($millions) | 5.9475% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 2,625 |
| Loan loss allowance to noncurrent loans | 84.5122% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.7109% | 3,909 |
| Noncurrent loans to loans | 2.1715% | 3,568 |
| Net loans and leases to total assets | 64.6425% | 4,184 |
| Net loans and leases to deposits | 93.0464% | 1,470 |
| Net loans and leases to core deposits | 113.1746% | 1,084 |
| Total domestic deposits to total assets | 69.4734% | 7,441 |
| Equity capital to assets | 8.8895% | 5,421 |
| Core capital (leverage) ratio | 8.5461% | 5,298 |
| Tier 1 risk-based capital ratio | 11.0716% | 6,095 |
| Total risk-based capital ratio | 12.3256% | 6,056 |
| Memoranda: | ||
| Average total assets | $3,778,623,000 | 210 |
| Average earning assets | $3,238,716,000 | 215 |
| Average equity | $336,098,500 | 237 |
| Average total loans | $2,515,373,000 | 209 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 6,169 |
| Cost of funding earning assets | 1.7049% | 4,481 |
| Net interest margin | 3.3727% | 5,483 |
| Noninterest income to average assets | 1.1222% | 1,220 |
| Noninterest expense to average assets | 2.8545% | 4,728 |
| Loan and lease loss provision to assets | 1.3374% | 1,715 |
| Net operating income to assets | -0.0432% | 5,573 |
| Return on assets (ROA) | 0.0190% | 5,477 |
| Pretax return on assets | -0.0393% | 5,506 |
| Return on Equity (ROE) | 0.2228% | 5,462 |
| Retained earnings to average equity (ytd only) | 0.2228% | 4,778 |
| Net charge-offs to loans | 1.4641% | 1,715 |
| Credit loss provision to net charge-offs | 129.2294% | 3,980 |
| Earnings coverage of net charge-offs (x) | 1.1603% | 4,964 |
| Efficiency ratio | 69.4230% | 4,746 |
| Assets per employee ($millions) | 5.8975% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 3,082 |
| Loan loss allowance to noncurrent loans | 73.5977% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.7485% | 3,746 |
| Noncurrent loans to loans | 2.2431% | 3,342 |
| Net loans and leases to total assets | 66.1880% | 4,110 |
| Net loans and leases to deposits | 95.5761% | 1,380 |
| Net loans and leases to core deposits | 107.8516% | 3,118 |
| Total domestic deposits to total assets | 69.2516% | 7,475 |
| Equity capital to assets | 8.9000% | 5,278 |
| Core capital (leverage) ratio | 8.6733% | 4,969 |
| Tier 1 risk-based capital ratio | 11.0207% | 5,899 |
| Total risk-based capital ratio | 12.2412% | 5,895 |
| Memoranda: | ||
| Average total assets | $3,574,998,800 | 222 |
| Average earning assets | $3,108,969,600 | 224 |
| Average equity | $305,665,200 | 245 |
| Average total loans | $2,526,901,200 | 211 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 6,283 |
| Cost of funding earning assets | 1.7759% | 4,500 |
| Net interest margin | 3.3194% | 5,567 |
| Noninterest income to average assets | 1.1575% | 1,177 |
| Noninterest expense to average assets | 2.8988% | 4,457 |
| Loan and lease loss provision to assets | 1.3260% | 1,460 |
| Net operating income to assets | -0.0565% | 5,816 |
| Return on assets (ROA) | 0.0247% | 5,706 |
| Pretax return on assets | -0.0422% | 5,775 |
| Return on Equity (ROE) | 0.2919% | 5,685 |
| Retained earnings to average equity (ytd only) | 0.2919% | 5,073 |
| Net charge-offs to loans | 1.3902% | 1,482 |
| Credit loss provision to net charge-offs | 133.2613% | 3,746 |
| Earnings coverage of net charge-offs (x) | 1.1628% | 4,902 |
| Efficiency ratio | 70.2656% | 4,537 |
| Assets per employee ($millions) | 5.5743% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,188 |
| Loan loss allowance to noncurrent loans | 47.9382% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 2.5785% | 2,694 |
| Noncurrent loans to loans | 3.2368% | 2,338 |
| Net loans and leases to total assets | 70.3547% | 3,425 |
| Net loans and leases to deposits | 100.0094% | 1,102 |
| Net loans and leases to core deposits | 113.5751% | 2,874 |
| Total domestic deposits to total assets | 70.3481% | 7,391 |
| Equity capital to assets | 9.3395% | 4,967 |
| Core capital (leverage) ratio | 9.1023% | 4,486 |
| Tier 1 risk-based capital ratio | 11.1708% | 5,790 |
| Total risk-based capital ratio | 12.3877% | 5,769 |
| Memoranda: | ||
| Average total assets | $3,532,526,500 | 234 |
| Average earning assets | $3,084,451,000 | 234 |
| Average equity | $298,757,500 | 261 |
| Average total loans | $2,528,558,500 | 223 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 6,423 |
| Cost of funding earning assets | 1.8355% | 4,578 |
| Net interest margin | 3.2675% | 5,675 |
| Noninterest income to average assets | 1.0956% | 1,324 |
| Noninterest expense to average assets | 2.9768% | 4,172 |
| Loan and lease loss provision to assets | 1.1162% | 1,539 |
| Net operating income to assets | -0.0165% | 5,876 |
| Return on assets (ROA) | 0.0367% | 5,827 |
| Pretax return on assets | -0.0515% | 5,939 |
| Return on Equity (ROE) | 0.4497% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.4497% | 5,036 |
| Net charge-offs to loans | 1.1535% | 1,579 |
| Credit loss provision to net charge-offs | 135.1166% | 3,448 |
| Earnings coverage of net charge-offs (x) | 1.1883% | 4,638 |
| Efficiency ratio | 73.4907% | 4,110 |
| Assets per employee ($millions) | 5.4162% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 3,689 |
| Loan loss allowance to noncurrent loans | 54.6941% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.0557% | 3,122 |
| Noncurrent loans to loans | 2.5717% | 2,821 |
| Net loans and leases to total assets | 70.1817% | 3,657 |
| Net loans and leases to deposits | 104.1729% | 897 |
| Net loans and leases to core deposits | 119.7796% | 2,392 |
| Total domestic deposits to total assets | 67.3704% | 7,659 |
| Equity capital to assets | 8.1496% | 6,560 |
| Core capital (leverage) ratio | 8.0816% | 6,194 |
| Tier 1 risk-based capital ratio | 9.9537% | 6,982 |
| Total risk-based capital ratio | 11.1535% | 6,966 |
| Memoranda: | ||
| Average total assets | $3,520,851,670 | 241 |
| Average earning assets | $3,084,768,000 | 242 |
| Average equity | $287,279,000 | 274 |
| Average total loans | $2,521,578,000 | 232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 6,765 |
| Cost of funding earning assets | 1.9266% | 4,502 |
| Net interest margin | 3.1334% | 6,093 |
| Noninterest income to average assets | 1.0613% | 1,319 |
| Noninterest expense to average assets | 2.6797% | 5,105 |
| Loan and lease loss provision to assets | 0.8775% | 1,496 |
| Net operating income to assets | 0.2564% | 5,459 |
| Return on assets (ROA) | 0.3448% | 5,276 |
| Pretax return on assets | 0.3519% | 5,529 |
| Return on Equity (ROE) | 4.2231% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.2231% | 3,556 |
| Net charge-offs to loans | 0.6761% | 1,829 |
| Credit loss provision to net charge-offs | 180.6657% | 2,407 |
| Earnings coverage of net charge-offs (x) | 2.3454% | 3,560 |
| Efficiency ratio | 69.6922% | 4,645 |
| Assets per employee ($millions) | 5.5190% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,811 |
| Loan loss allowance to noncurrent loans | 82.2989% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 3,848 |
| Noncurrent loans to loans | 1.6379% | 3,816 |
| Net loans and leases to total assets | 70.6605% | 3,542 |
| Net loans and leases to deposits | 108.7653% | 684 |
| Net loans and leases to core deposits | 123.9917% | 2,080 |
| Total domestic deposits to total assets | 64.9661% | 7,791 |
| Equity capital to assets | 8.3148% | 6,365 |
| Core capital (leverage) ratio | 8.2090% | 6,080 |
| Tier 1 risk-based capital ratio | 10.1863% | 6,730 |
| Total risk-based capital ratio | 11.3427% | 6,733 |
| Memoranda: | ||
| Average total assets | $3,488,507,000 | 245 |
| Average earning assets | $3,070,028,000 | 246 |
| Average equity | $284,814,000 | 277 |
| Average total loans | $2,506,221,500 | 231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8908% | 6,083 |
| Cost of funding earning assets | 2.6270% | 3,546 |
| Net interest margin | 3.2638% | 6,169 |
| Noninterest income to average assets | 1.2362% | 974 |
| Noninterest expense to average assets | 2.6396% | 5,490 |
| Loan and lease loss provision to assets | 0.7083% | 2,082 |
| Net operating income to assets | 0.5056% | 4,704 |
| Return on assets (ROA) | 0.5541% | 4,361 |
| Pretax return on assets | 0.7985% | 4,081 |
| Return on Equity (ROE) | 6.5441% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.8192% | 2,754 |
| Net charge-offs to loans | 0.7169% | 1,722 |
| Credit loss provision to net charge-offs | 137.4791% | 3,873 |
| Earnings coverage of net charge-offs (x) | 2.7882% | 4,695 |
| Efficiency ratio | 64.6453% | 5,409 |
| Assets per employee ($millions) | 5.4941% | 1,463 |
| Cash dividends to net income (ytd only)* | 41.6389% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 4,199 |
| Loan loss allowance to noncurrent loans | 103.4293% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 4,345 |
| Noncurrent loans to loans | 1.2031% | 4,105 |
| Net loans and leases to total assets | 71.1685% | 3,758 |
| Net loans and leases to deposits | 114.9368% | 574 |
| Net loans and leases to core deposits | 133.6915% | 1,613 |
| Total domestic deposits to total assets | 61.9197% | 7,889 |
| Equity capital to assets | 8.0091% | 6,834 |
| Core capital (leverage) ratio | 7.9888% | 6,514 |
| Tier 1 risk-based capital ratio | 9.9014% | 6,849 |
| Total risk-based capital ratio | 11.0012% | 6,915 |
| Memoranda: | ||
| Average total assets | $3,250,557,000 | 244 |
| Average earning assets | $2,828,556,000 | 246 |
| Average equity | $275,238,400 | 286 |
| Average total loans | $2,336,229,400 | 238 |