Home > Ameris Bank > Performance and Condition Ratios
Ameris Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 1,094 |
| Cost of funding earning assets | 1.8272% | 1,205 |
| Net interest margin | 3.7321% | 1,693 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.2192% | 3,075 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 1.1727% | 1,715 |
| Return on assets (ROA) | 1.1718% | 1,688 |
| Pretax return on assets | 1.5616% | 1,309 |
| Return on Equity (ROE) | 8.6200% | 2,860 |
| Retained earnings to average equity (ytd only) | 3.5670% | 3,099 |
| Net charge-offs to loans | 0.2454% | 435 |
| Credit loss provision to net charge-offs | 304.7081% | 949 |
| Earnings coverage of net charge-offs (x) | 10.7345% | 2,225 |
| Efficiency ratio | 49.7279% | 3,999 |
| Assets per employee ($millions) | 9.0822% | 958 |
| Cash dividends to net income (ytd only)* | 58.6188% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,068 |
| Loan loss allowance to noncurrent loans | 182.6834% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 751 |
| Noncurrent loans to loans | 0.8180% | 946 |
| Net loans and leases to total assets | 80.6100% | 566 |
| Net loans and leases to deposits | 96.9767% | 716 |
| Net loans and leases to core deposits | 106.7937% | 1,076 |
| Total domestic deposits to total assets | 83.1300% | 2,859 |
| Equity capital to assets | 14.1016% | 665 |
| Core capital (leverage) ratio | 10.6895% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6924% | 1,989 |
| Memoranda: | ||
| Average total assets | $25,476,858,000 | 82 |
| Average earning assets | $23,032,853,000 | 80 |
| Average equity | $3,463,422,400 | 62 |
| Average total loans | $20,527,341,600 | 64 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4708% | 1,050 |
| Cost of funding earning assets | 1.7339% | 1,124 |
| Net interest margin | 3.7369% | 1,709 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 2.1811% | 3,129 |
| Loan and lease loss provision to assets | 0.6200% | 119 |
| Net operating income to assets | 1.1765% | 1,860 |
| Return on assets (ROA) | 1.1765% | 1,844 |
| Pretax return on assets | 1.5518% | 1,463 |
| Return on Equity (ROE) | 8.7300% | 3,003 |
| Retained earnings to average equity (ytd only) | 3.8948% | 3,285 |
| Net charge-offs to loans | 0.2402% | 372 |
| Credit loss provision to net charge-offs | 332.9565% | 825 |
| Earnings coverage of net charge-offs (x) | 11.2859% | 2,101 |
| Efficiency ratio | 48.6677% | 4,003 |
| Assets per employee ($millions) | 9.2477% | 854 |
| Cash dividends to net income (ytd only)* | 55.4066% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 1,414 |
| Loan loss allowance to noncurrent loans | 198.0922% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 999 |
| Noncurrent loans to loans | 0.7115% | 1,162 |
| Net loans and leases to total assets | 79.2500% | 737 |
| Net loans and leases to deposits | 97.9139% | 624 |
| Net loans and leases to core deposits | 110.2016% | 866 |
| Total domestic deposits to total assets | 80.9300% | 3,395 |
| Equity capital to assets | 13.6425% | 701 |
| Core capital (leverage) ratio | 10.5062% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4057% | 2,115 |
| Memoranda: | ||
| Average total assets | $25,568,000,000 | 83 |
| Average earning assets | $23,109,763,250 | 81 |
| Average equity | $3,443,970,250 | 63 |
| Average total loans | $20,521,518,250 | 65 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 1,016 |
| Cost of funding earning assets | 1.5893% | 1,091 |
| Net interest margin | 3.7605% | 1,700 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 2.1910% | 3,102 |
| Loan and lease loss provision to assets | 0.7500% | 98 |
| Net operating income to assets | 1.0765% | 2,190 |
| Return on assets (ROA) | 1.0765% | 2,187 |
| Pretax return on assets | 1.4263% | 1,751 |
| Return on Equity (ROE) | 8.0300% | 3,224 |
| Retained earnings to average equity (ytd only) | 3.6498% | 3,304 |
| Net charge-offs to loans | 0.2430% | 339 |
| Credit loss provision to net charge-offs | 373.3713% | 760 |
| Earnings coverage of net charge-offs (x) | 11.1382% | 1,977 |
| Efficiency ratio | 48.8010% | 4,010 |
| Assets per employee ($millions) | 9.1775% | 859 |
| Cash dividends to net income (ytd only)* | 54.5264% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,915 |
| Loan loss allowance to noncurrent loans | 194.1922% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 951 |
| Noncurrent loans to loans | 0.6715% | 1,112 |
| Net loans and leases to total assets | 80.1000% | 615 |
| Net loans and leases to deposits | 100.2271% | 506 |
| Net loans and leases to core deposits | 112.4380% | 734 |
| Total domestic deposits to total assets | 79.9200% | 3,588 |
| Equity capital to assets | 13.4815% | 723 |
| Core capital (leverage) ratio | 10.2994% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9608% | 2,314 |
| Memoranda: | ||
| Average total assets | $25,555,014,333 | 80 |
| Average earning assets | $23,091,890,333 | 78 |
| Average equity | $3,427,487,667 | 62 |
| Average total loans | $20,501,176,000 | 63 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 1,038 |
| Cost of funding earning assets | 1.3326% | 1,164 |
| Net interest margin | 3.8051% | 1,678 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.1284% | 3,312 |
| Loan and lease loss provision to assets | 0.7800% | 87 |
| Net operating income to assets | 1.0675% | 2,325 |
| Return on assets (ROA) | 1.0676% | 2,297 |
| Pretax return on assets | 1.4084% | 1,866 |
| Return on Equity (ROE) | 7.9800% | 3,295 |
| Retained earnings to average equity (ytd only) | -0.8209% | 4,109 |
| Net charge-offs to loans | 0.2103% | 345 |
| Credit loss provision to net charge-offs | 462.1490% | 576 |
| Earnings coverage of net charge-offs (x) | 13.0512% | 1,598 |
| Efficiency ratio | 47.8548% | 4,088 |
| Assets per employee ($millions) | 9.1261% | 892 |
| Cash dividends to net income (ytd only)* | 110.2860% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,605 |
| Loan loss allowance to noncurrent loans | 152.7890% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 822 |
| Noncurrent loans to loans | 0.7788% | 986 |
| Net loans and leases to total assets | 77.5300% | 817 |
| Net loans and leases to deposits | 100.6260% | 421 |
| Net loans and leases to core deposits | 110.4689% | 688 |
| Total domestic deposits to total assets | 77.0500% | 4,077 |
| Equity capital to assets | 13.1240% | 732 |
| Core capital (leverage) ratio | 10.2131% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5730% | 2,546 |
| Memoranda: | ||
| Average total assets | $25,479,461,000 | 84 |
| Average earning assets | $23,023,341,500 | 82 |
| Average equity | $3,408,451,000 | 65 |
| Average total loans | $20,320,148,500 | 67 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 1,329 |
| Cost of funding earning assets | 0.3290% | 2,644 |
| Net interest margin | 3.8311% | 1,100 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 2.2944% | 2,753 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.5610% | 758 |
| Return on assets (ROA) | 1.5608% | 723 |
| Pretax return on assets | 2.0457% | 428 |
| Return on Equity (ROE) | 11.4600% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.9199% | 1,181 |
| Net charge-offs to loans | 0.0792% | 858 |
| Credit loss provision to net charge-offs | 362.4526% | 814 |
| Earnings coverage of net charge-offs (x) | 38.6282% | 1,524 |
| Efficiency ratio | 47.9305% | 4,245 |
| Assets per employee ($millions) | 8.7699% | 987 |
| Cash dividends to net income (ytd only)* | 13.4035% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,279 |
| Loan loss allowance to noncurrent loans | 134.7173% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 809 |
| Noncurrent loans to loans | 0.7540% | 993 |
| Net loans and leases to total assets | 80.2700% | 565 |
| Net loans and leases to deposits | 102.1658% | 358 |
| Net loans and leases to core deposits | 105.5937% | 761 |
| Total domestic deposits to total assets | 78.5700% | 4,038 |
| Equity capital to assets | 13.6409% | 611 |
| Core capital (leverage) ratio | 10.5631% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2756% | 2,655 |
| Memoranda: | ||
| Average total assets | $23,900,138,200 | 88 |
| Average earning assets | $21,487,032,200 | 88 |
| Average equity | $3,256,469,800 | 70 |
| Average total loans | $18,328,620,200 | 74 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 1,493 |
| Cost of funding earning assets | 0.1741% | 3,573 |
| Net interest margin | 3.7210% | 1,091 |
| Noninterest income to average assets | 1.3400% | 413 |
| Noninterest expense to average assets | 2.3512% | 2,466 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.5959% | 663 |
| Return on assets (ROA) | 1.5956% | 644 |
| Pretax return on assets | 2.1122% | 370 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 11.7144% | 861 |
| Net charge-offs to loans | 0.0796% | 743 |
| Credit loss provision to net charge-offs | 262.4801% | 875 |
| Earnings coverage of net charge-offs (x) | 38.7943% | 1,403 |
| Efficiency ratio | 48.6653% | 4,235 |
| Assets per employee ($millions) | 8.2730% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,625 |
| Loan loss allowance to noncurrent loans | 141.0800% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 962 |
| Noncurrent loans to loans | 0.6860% | 1,189 |
| Net loans and leases to total assets | 79.7400% | 551 |
| Net loans and leases to deposits | 96.5879% | 529 |
| Net loans and leases to core deposits | 99.7461% | 824 |
| Total domestic deposits to total assets | 82.5600% | 3,745 |
| Equity capital to assets | 14.1672% | 551 |
| Core capital (leverage) ratio | 10.6966% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6434% | 2,605 |
| Memoranda: | ||
| Average total assets | $23,633,200,500 | 90 |
| Average earning assets | $21,231,159,250 | 91 |
| Average equity | $3,219,125,500 | 71 |
| Average total loans | $17,848,942,500 | 76 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 1,705 |
| Cost of funding earning assets | 0.1141% | 4,029 |
| Net interest margin | 3.5293% | 1,236 |
| Noninterest income to average assets | 1.4595% | 347 |
| Noninterest expense to average assets | 2.3786% | 2,306 |
| Loan and lease loss provision to assets | 0.1793% | 490 |
| Net operating income to assets | 1.5562% | 612 |
| Return on assets (ROA) | 1.5559% | 597 |
| Pretax return on assets | 2.0691% | 323 |
| Return on Equity (ROE) | 11.5778% | 1,804 |
| Retained earnings to average equity (ytd only) | 11.5778% | 681 |
| Net charge-offs to loans | 0.0623% | 782 |
| Credit loss provision to net charge-offs | 193.1517% | 986 |
| Earnings coverage of net charge-offs (x) | 48.8557% | 1,169 |
| Efficiency ratio | 49.7820% | 4,260 |
| Assets per employee ($millions) | 8.1773% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,787 |
| Loan loss allowance to noncurrent loans | 131.3326% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 1,010 |
| Noncurrent loans to loans | 0.7256% | 1,189 |
| Net loans and leases to total assets | 76.0613% | 726 |
| Net loans and leases to deposits | 90.4767% | 689 |
| Net loans and leases to core deposits | 94.0940% | 908 |
| Total domestic deposits to total assets | 84.0673% | 3,677 |
| Equity capital to assets | 13.9257% | 528 |
| Core capital (leverage) ratio | 10.2986% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6134% | 2,648 |
| Memoranda: | ||
| Average total assets | $23,601,992,667 | 89 |
| Average earning assets | $21,185,656,333 | 90 |
| Average equity | $3,171,695,667 | 70 |
| Average total loans | $17,430,309,000 | 75 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 1,942 |
| Cost of funding earning assets | 0.1113% | 3,993 |
| Net interest margin | 3.3415% | 1,468 |
| Noninterest income to average assets | 1.4968% | 358 |
| Noninterest expense to average assets | 2.4021% | 2,150 |
| Loan and lease loss provision to assets | 0.1056% | 794 |
| Net operating income to assets | 1.4815% | 661 |
| Return on assets (ROA) | 1.4812% | 652 |
| Pretax return on assets | 1.9957% | 363 |
| Return on Equity (ROE) | 11.2254% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.2254% | 737 |
| Net charge-offs to loans | 0.0842% | 583 |
| Credit loss provision to net charge-offs | -76.0078% | 2,858 |
| Earnings coverage of net charge-offs (x) | 34.4837% | 1,074 |
| Efficiency ratio | 51.6632% | 4,217 |
| Assets per employee ($millions) | 8.1770% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,914 |
| Loan loss allowance to noncurrent loans | 147.6914% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,282 |
| Noncurrent loans to loans | 0.6405% | 1,471 |
| Net loans and leases to total assets | 71.9703% | 836 |
| Net loans and leases to deposits | 85.2818% | 788 |
| Net loans and leases to core deposits | 89.0147% | 967 |
| Total domestic deposits to total assets | 84.3911% | 3,675 |
| Equity capital to assets | 13.4267% | 617 |
| Core capital (leverage) ratio | 9.6925% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7344% | 2,702 |
| Memoranda: | ||
| Average total assets | $23,607,211,000 | 91 |
| Average earning assets | $21,243,697,000 | 92 |
| Average equity | $3,114,899,500 | 73 |
| Average total loans | $17,087,120,500 | 77 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 2,520 |
| Cost of funding earning assets | 0.1422% | 4,044 |
| Net interest margin | 3.4059% | 2,007 |
| Noninterest income to average assets | 1.6541% | 414 |
| Noninterest expense to average assets | 2.4712% | 2,273 |
| Loan and lease loss provision to assets | -0.1612% | 4,648 |
| Net operating income to assets | 1.8465% | 458 |
| Return on assets (ROA) | 1.8484% | 483 |
| Pretax return on assets | 2.4236% | 287 |
| Return on Equity (ROE) | 13.4585% | 1,326 |
| Retained earnings to average equity (ytd only) | 8.7448% | 1,268 |
| Net charge-offs to loans | 0.0382% | 1,490 |
| Credit loss provision to net charge-offs | -566.4460% | 3,783 |
| Earnings coverage of net charge-offs (x) | 80.0454% | 997 |
| Efficiency ratio | 51.0743% | 4,197 |
| Assets per employee ($millions) | 8.2913% | 1,177 |
| Cash dividends to net income (ytd only)* | 35.0239% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,833 |
| Loan loss allowance to noncurrent loans | 171.1522% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 1,521 |
| Noncurrent loans to loans | 0.5716% | 1,714 |
| Net loans and leases to total assets | 71.4022% | 891 |
| Net loans and leases to deposits | 85.2056% | 842 |
| Net loans and leases to core deposits | 88.9439% | 1,021 |
| Total domestic deposits to total assets | 83.7999% | 3,612 |
| Equity capital to assets | 12.9655% | 909 |
| Core capital (leverage) ratio | 9.4976% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4465% | 2,786 |
| Memoranda: | ||
| Average total assets | $21,934,642,800 | 93 |
| Average earning assets | $19,816,920,400 | 92 |
| Average equity | $3,012,494,000 | 79 |
| Average total loans | $16,227,706,200 | 80 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 2,553 |
| Cost of funding earning assets | 0.1479% | 4,128 |
| Net interest margin | 3.4542% | 2,000 |
| Noninterest income to average assets | 1.7459% | 414 |
| Noninterest expense to average assets | 2.5332% | 2,025 |
| Loan and lease loss provision to assets | -0.2366% | 4,784 |
| Net operating income to assets | 1.9552% | 497 |
| Return on assets (ROA) | 1.9578% | 520 |
| Pretax return on assets | 2.5761% | 293 |
| Return on Equity (ROE) | 14.0378% | 1,380 |
| Retained earnings to average equity (ytd only) | 14.0378% | 510 |
| Net charge-offs to loans | 0.0562% | 1,084 |
| Credit loss provision to net charge-offs | -318.0498% | 3,511 |
| Earnings coverage of net charge-offs (x) | 55.7742% | 1,172 |
| Efficiency ratio | 50.8299% | 4,139 |
| Assets per employee ($millions) | 8.3789% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,650 |
| Loan loss allowance to noncurrent loans | 257.8354% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 2,114 |
| Noncurrent loans to loans | 0.4084% | 2,336 |
| Net loans and leases to total assets | 71.7027% | 896 |
| Net loans and leases to deposits | 84.8978% | 897 |
| Net loans and leases to core deposits | 88.9804% | 1,097 |
| Total domestic deposits to total assets | 84.4577% | 3,318 |
| Equity capital to assets | 13.9855% | 739 |
| Core capital (leverage) ratio | 10.7960% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5952% | 2,128 |
| Memoranda: | ||
| Average total assets | $21,479,655,000 | 94 |
| Average earning assets | $19,423,382,750 | 94 |
| Average equity | $2,995,640,750 | 78 |
| Average total loans | $16,002,410,250 | 81 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 2,391 |
| Cost of funding earning assets | 0.1586% | 4,131 |
| Net interest margin | 3.5214% | 1,796 |
| Noninterest income to average assets | 1.9595% | 338 |
| Noninterest expense to average assets | 2.6222% | 1,804 |
| Loan and lease loss provision to assets | -0.2689% | 4,818 |
| Net operating income to assets | 2.1356% | 375 |
| Return on assets (ROA) | 2.1355% | 397 |
| Pretax return on assets | 2.7870% | 235 |
| Return on Equity (ROE) | 15.3277% | 1,084 |
| Retained earnings to average equity (ytd only) | 15.3277% | 395 |
| Net charge-offs to loans | 0.0864% | 817 |
| Credit loss provision to net charge-offs | -254.2255% | 3,275 |
| Earnings coverage of net charge-offs (x) | 38.7530% | 1,184 |
| Efficiency ratio | 49.7771% | 4,252 |
| Assets per employee ($millions) | 8.1130% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,437 |
| Loan loss allowance to noncurrent loans | 270.1906% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 2,212 |
| Noncurrent loans to loans | 0.4052% | 2,466 |
| Net loans and leases to total assets | 72.5802% | 897 |
| Net loans and leases to deposits | 85.9768% | 913 |
| Net loans and leases to core deposits | 91.4274% | 1,042 |
| Total domestic deposits to total assets | 84.4184% | 3,303 |
| Equity capital to assets | 14.0048% | 715 |
| Core capital (leverage) ratio | 10.6459% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4560% | 2,187 |
| Memoranda: | ||
| Average total assets | $21,159,985,333 | 94 |
| Average earning assets | $19,113,860,000 | 94 |
| Average equity | $2,948,133,000 | 79 |
| Average total loans | $15,916,432,333 | 82 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 2,160 |
| Cost of funding earning assets | 0.1713% | 4,153 |
| Net interest margin | 3.6075% | 1,565 |
| Noninterest income to average assets | 2.2768% | 301 |
| Noninterest expense to average assets | 2.7980% | 1,373 |
| Loan and lease loss provision to assets | -0.5487% | 4,929 |
| Net operating income to assets | 2.5179% | 259 |
| Return on assets (ROA) | 2.5177% | 282 |
| Pretax return on assets | 3.2872% | 174 |
| Return on Equity (ROE) | 18.1198% | 714 |
| Retained earnings to average equity (ytd only) | 18.1198% | 361 |
| Net charge-offs to loans | 0.1076% | 650 |
| Credit loss provision to net charge-offs | -387.9944% | 3,110 |
| Earnings coverage of net charge-offs (x) | 33.4004% | 1,056 |
| Efficiency ratio | 49.3618% | 4,241 |
| Assets per employee ($millions) | 7.9294% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 3,392 |
| Loan loss allowance to noncurrent loans | 234.0810% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,088 |
| Noncurrent loans to loans | 0.4736% | 2,435 |
| Net loans and leases to total assets | 74.6592% | 754 |
| Net loans and leases to deposits | 88.3459% | 801 |
| Net loans and leases to core deposits | 94.2884% | 964 |
| Total domestic deposits to total assets | 84.5078% | 3,275 |
| Equity capital to assets | 13.8634% | 697 |
| Core capital (leverage) ratio | 10.5766% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3116% | 2,157 |
| Memoranda: | ||
| Average total assets | $20,844,233,500 | 97 |
| Average earning assets | $18,836,399,000 | 95 |
| Average equity | $2,896,277,500 | 81 |
| Average total loans | $15,878,958,500 | 83 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 2,079 |
| Cost of funding earning assets | 0.4131% | 3,502 |
| Net interest margin | 3.8061% | 1,485 |
| Noninterest income to average assets | 2.3013% | 273 |
| Noninterest expense to average assets | 3.1368% | 1,166 |
| Loan and lease loss provision to assets | 0.6567% | 277 |
| Net operating income to assets | 1.4768% | 862 |
| Return on assets (ROA) | 1.4768% | 934 |
| Pretax return on assets | 1.9139% | 538 |
| Return on Equity (ROE) | 10.5424% | 1,793 |
| Retained earnings to average equity (ytd only) | 7.0920% | 1,366 |
| Net charge-offs to loans | 0.2782% | 617 |
| Credit loss provision to net charge-offs | 292.2225% | 1,768 |
| Earnings coverage of net charge-offs (x) | 11.5140% | 2,397 |
| Efficiency ratio | 53.4482% | 4,261 |
| Assets per employee ($millions) | 7.6191% | 1,206 |
| Cash dividends to net income (ytd only)* | 32.7290% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,549 |
| Loan loss allowance to noncurrent loans | 235.2158% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,970 |
| Noncurrent loans to loans | 0.5418% | 2,353 |
| Net loans and leases to total assets | 75.9154% | 798 |
| Net loans and leases to deposits | 90.2066% | 914 |
| Net loans and leases to core deposits | 95.3463% | 1,160 |
| Total domestic deposits to total assets | 84.1573% | 3,062 |
| Equity capital to assets | 13.9278% | 814 |
| Core capital (leverage) ratio | 10.3883% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1850% | 2,173 |
| Memoranda: | ||
| Average total assets | $19,241,112,000 | 97 |
| Average earning assets | $17,219,047,800 | 97 |
| Average equity | $2,695,333,800 | 84 |
| Average total loans | $15,442,828,400 | 83 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,060 |
| Cost of funding earning assets | 0.4797% | 3,362 |
| Net interest margin | 3.8320% | 1,530 |
| Noninterest income to average assets | 2.3333% | 264 |
| Noninterest expense to average assets | 3.1750% | 1,111 |
| Loan and lease loss provision to assets | 0.9376% | 160 |
| Net operating income to assets | 1.2875% | 1,384 |
| Return on assets (ROA) | 1.2876% | 1,491 |
| Pretax return on assets | 1.6433% | 1,083 |
| Return on Equity (ROE) | 9.1774% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.0248% | 1,298 |
| Net charge-offs to loans | 0.1486% | 987 |
| Credit loss provision to net charge-offs | 770.7508% | 1,005 |
| Earnings coverage of net charge-offs (x) | 21.3960% | 1,865 |
| Efficiency ratio | 53.5536% | 4,197 |
| Assets per employee ($millions) | 7.4495% | 1,243 |
| Cash dividends to net income (ytd only)* | 12.5592% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,659 |
| Loan loss allowance to noncurrent loans | 159.7647% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 1,320 |
| Noncurrent loans to loans | 0.8874% | 1,689 |
| Net loans and leases to total assets | 81.5050% | 481 |
| Net loans and leases to deposits | 99.7480% | 543 |
| Net loans and leases to core deposits | 104.9709% | 883 |
| Total domestic deposits to total assets | 81.7109% | 3,494 |
| Equity capital to assets | 14.1874% | 808 |
| Core capital (leverage) ratio | 10.2666% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9447% | 2,232 |
| Memoranda: | ||
| Average total assets | $18,963,768,000 | 96 |
| Average earning assets | $16,937,131,750 | 97 |
| Average equity | $2,660,571,000 | 85 |
| Average total loans | $15,391,389,500 | 83 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 2,174 |
| Cost of funding earning assets | 0.5683% | 3,136 |
| Net interest margin | 3.8443% | 1,703 |
| Noninterest income to average assets | 1.8463% | 325 |
| Noninterest expense to average assets | 3.3200% | 960 |
| Loan and lease loss provision to assets | 1.1299% | 163 |
| Net operating income to assets | 0.6629% | 3,536 |
| Return on assets (ROA) | 0.6630% | 3,624 |
| Pretax return on assets | 0.8252% | 3,520 |
| Return on Equity (ROE) | 4.7443% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.9785% | 2,920 |
| Net charge-offs to loans | 0.1811% | 831 |
| Credit loss provision to net charge-offs | 773.6738% | 933 |
| Earnings coverage of net charge-offs (x) | 13.3864% | 1,999 |
| Efficiency ratio | 60.9639% | 3,281 |
| Assets per employee ($millions) | 7.4804% | 1,190 |
| Cash dividends to net income (ytd only)* | 16.1410% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,072 |
| Loan loss allowance to noncurrent loans | 224.8180% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 1,879 |
| Noncurrent loans to loans | 0.5719% | 2,444 |
| Net loans and leases to total assets | 81.0223% | 495 |
| Net loans and leases to deposits | 102.3529% | 437 |
| Net loans and leases to core deposits | 108.0007% | 817 |
| Total domestic deposits to total assets | 79.1597% | 4,015 |
| Equity capital to assets | 13.2744% | 1,052 |
| Core capital (leverage) ratio | 9.5392% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7582% | 2,710 |
| Memoranda: | ||
| Average total assets | $18,689,697,000 | 97 |
| Average earning assets | $16,669,684,333 | 98 |
| Average equity | $2,611,723,667 | 86 |
| Average total loans | $15,069,025,333 | 84 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,240 |
| Cost of funding earning assets | 0.7506% | 2,663 |
| Net interest margin | 3.7747% | 2,070 |
| Noninterest income to average assets | 1.1624% | 645 |
| Noninterest expense to average assets | 3.0441% | 1,775 |
| Loan and lease loss provision to assets | 0.8180% | 297 |
| Net operating income to assets | 0.5484% | 3,750 |
| Return on assets (ROA) | 0.5482% | 3,813 |
| Pretax return on assets | 0.6615% | 3,790 |
| Return on Equity (ROE) | 3.8190% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.8190% | 2,747 |
| Net charge-offs to loans | 0.1222% | 975 |
| Credit loss provision to net charge-offs | 838.2286% | 644 |
| Earnings coverage of net charge-offs (x) | 15.1624% | 1,574 |
| Efficiency ratio | 64.9130% | 3,100 |
| Assets per employee ($millions) | 6.7661% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,535 |
| Loan loss allowance to noncurrent loans | 166.4355% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 1,946 |
| Noncurrent loans to loans | 0.6199% | 2,442 |
| Net loans and leases to total assets | 79.1263% | 802 |
| Net loans and leases to deposits | 103.0374% | 409 |
| Net loans and leases to core deposits | 110.4206% | 832 |
| Total domestic deposits to total assets | 76.7938% | 4,379 |
| Equity capital to assets | 14.3397% | 946 |
| Core capital (leverage) ratio | 9.8878% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4087% | 2,967 |
| Memoranda: | ||
| Average total assets | $18,141,734,500 | 97 |
| Average earning assets | $16,155,060,500 | 97 |
| Average equity | $2,604,372,000 | 86 |
| Average total loans | $14,483,761,000 | 84 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 1,456 |
| Cost of funding earning assets | 0.9066% | 2,165 |
| Net interest margin | 4.1013% | 1,539 |
| Noninterest income to average assets | 1.3418% | 529 |
| Noninterest expense to average assets | 3.1742% | 1,581 |
| Loan and lease loss provision to assets | 0.1424% | 1,499 |
| Net operating income to assets | 1.3189% | 1,621 |
| Return on assets (ROA) | 1.3193% | 1,699 |
| Pretax return on assets | 1.7187% | 1,141 |
| Return on Equity (ROE) | 9.2098% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.8857% | 1,929 |
| Net charge-offs to loans | 0.0975% | 1,747 |
| Credit loss provision to net charge-offs | 187.3253% | 1,409 |
| Earnings coverage of net charge-offs (x) | 24.4717% | 1,773 |
| Efficiency ratio | 60.9749% | 3,540 |
| Assets per employee ($millions) | 6.6705% | 1,198 |
| Cash dividends to net income (ytd only)* | 36.0927% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2638% | 5,063 |
| Loan loss allowance to noncurrent loans | 47.2180% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,011 |
| Noncurrent loans to loans | 0.5587% | 2,501 |
| Net loans and leases to total assets | 79.5121% | 852 |
| Net loans and leases to deposits | 102.1697% | 462 |
| Net loans and leases to core deposits | 110.9095% | 803 |
| Total domestic deposits to total assets | 77.8236% | 4,388 |
| Equity capital to assets | 14.3717% | 979 |
| Core capital (leverage) ratio | 9.7331% | 3,812 |
| Tier 1 risk-based capital ratio | 11.3942% | 4,688 |
| Total risk-based capital ratio | 12.1835% | 4,787 |
| Memoranda: | ||
| Average total assets | $14,112,495,400 | 111 |
| Average earning assets | $12,707,800,800 | 110 |
| Average equity | $2,021,611,600 | 104 |
| Average total loans | $11,003,517,200 | 99 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 1,579 |
| Cost of funding earning assets | 0.9084% | 2,194 |
| Net interest margin | 4.0765% | 1,684 |
| Noninterest income to average assets | 1.3836% | 477 |
| Noninterest expense to average assets | 3.3558% | 1,169 |
| Loan and lease loss provision to assets | 0.1465% | 1,302 |
| Net operating income to assets | 1.2153% | 2,143 |
| Return on assets (ROA) | 1.2160% | 2,214 |
| Pretax return on assets | 1.5631% | 1,770 |
| Return on Equity (ROE) | 8.4866% | 3,114 |
| Retained earnings to average equity (ytd only) | 6.0006% | 2,372 |
| Net charge-offs to loans | 0.1011% | 1,460 |
| Credit loss provision to net charge-offs | 187.2805% | 1,394 |
| Earnings coverage of net charge-offs (x) | 21.8391% | 1,893 |
| Efficiency ratio | 64.3059% | 2,957 |
| Assets per employee ($millions) | 6.0823% | 1,547 |
| Cash dividends to net income (ytd only)* | 29.2926% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2535% | 5,144 |
| Loan loss allowance to noncurrent loans | 32.9231% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 1,725 |
| Noncurrent loans to loans | 0.7701% | 2,044 |
| Net loans and leases to total assets | 79.0844% | 975 |
| Net loans and leases to deposits | 102.0925% | 504 |
| Net loans and leases to core deposits | 110.9118% | 902 |
| Total domestic deposits to total assets | 77.4635% | 4,447 |
| Equity capital to assets | 14.6119% | 949 |
| Core capital (leverage) ratio | 10.0280% | 3,617 |
| Tier 1 risk-based capital ratio | 11.4236% | 4,710 |
| Total risk-based capital ratio | 12.2037% | 4,812 |
| Memoranda: | ||
| Average total assets | $13,101,366,250 | 117 |
| Average earning assets | $11,830,569,500 | 114 |
| Average equity | $1,877,177,000 | 111 |
| Average total loans | $10,135,599,750 | 109 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,978 |
| Cost of funding earning assets | 0.8620% | 2,341 |
| Net interest margin | 3.9651% | 2,037 |
| Noninterest income to average assets | 1.0370% | 809 |
| Noninterest expense to average assets | 2.5221% | 3,410 |
| Loan and lease loss provision to assets | 0.1451% | 1,275 |
| Net operating income to assets | 1.5247% | 1,078 |
| Return on assets (ROA) | 1.5257% | 1,123 |
| Pretax return on assets | 1.9749% | 714 |
| Return on Equity (ROE) | 10.7565% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.4934% | 2,055 |
| Net charge-offs to loans | 0.1227% | 1,214 |
| Credit loss provision to net charge-offs | 154.8102% | 1,453 |
| Earnings coverage of net charge-offs (x) | 22.6025% | 1,684 |
| Efficiency ratio | 52.5779% | 4,607 |
| Assets per employee ($millions) | 6.6422% | 1,166 |
| Cash dividends to net income (ytd only)* | 39.6327% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3415% | 5,149 |
| Loan loss allowance to noncurrent loans | 68.9773% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 2,089 |
| Noncurrent loans to loans | 0.4950% | 2,800 |
| Net loans and leases to total assets | 78.6150% | 1,101 |
| Net loans and leases to deposits | 96.7088% | 964 |
| Net loans and leases to core deposits | 106.6798% | 1,203 |
| Total domestic deposits to total assets | 81.2904% | 3,724 |
| Equity capital to assets | 14.2318% | 1,037 |
| Core capital (leverage) ratio | 10.6563% | 2,931 |
| Tier 1 risk-based capital ratio | 11.9981% | 4,417 |
| Total risk-based capital ratio | 12.3221% | 4,793 |
| Memoranda: | ||
| Average total assets | $11,576,763,330 | 128 |
| Average earning assets | $10,522,031,000 | 126 |
| Average equity | $1,642,007,000 | 121 |
| Average total loans | $8,842,854,670 | 121 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,901 |
| Cost of funding earning assets | 0.8354% | 2,350 |
| Net interest margin | 3.9636% | 1,972 |
| Noninterest income to average assets | 1.0204% | 759 |
| Noninterest expense to average assets | 2.4871% | 3,546 |
| Loan and lease loss provision to assets | 0.1221% | 1,434 |
| Net operating income to assets | 1.5639% | 976 |
| Return on assets (ROA) | 1.5657% | 999 |
| Pretax return on assets | 2.0138% | 625 |
| Return on Equity (ROE) | 11.0581% | 1,925 |
| Retained earnings to average equity (ytd only) | 8.5937% | 1,452 |
| Net charge-offs to loans | 0.1701% | 803 |
| Credit loss provision to net charge-offs | 95.6284% | 1,664 |
| Earnings coverage of net charge-offs (x) | 16.7066% | 1,687 |
| Efficiency ratio | 52.0272% | 4,698 |
| Assets per employee ($millions) | 6.5513% | 1,217 |
| Cash dividends to net income (ytd only)* | 22.2861% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3335% | 5,222 |
| Loan loss allowance to noncurrent loans | 62.9108% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 2,016 |
| Noncurrent loans to loans | 0.5301% | 2,727 |
| Net loans and leases to total assets | 74.0363% | 1,791 |
| Net loans and leases to deposits | 87.3415% | 1,955 |
| Net loans and leases to core deposits | 100.2322% | 1,602 |
| Total domestic deposits to total assets | 84.7664% | 2,764 |
| Equity capital to assets | 14.1949% | 974 |
| Core capital (leverage) ratio | 10.6885% | 2,859 |
| Tier 1 risk-based capital ratio | 13.1208% | 3,818 |
| Total risk-based capital ratio | 13.4450% | 4,232 |
| Memoranda: | ||
| Average total assets | $11,463,506,500 | 131 |
| Average earning assets | $10,412,762,500 | 128 |
| Average equity | $1,623,100,500 | 122 |
| Average total loans | $8,608,810,500 | 123 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 2,221 |
| Cost of funding earning assets | 0.6338% | 2,498 |
| Net interest margin | 3.9395% | 2,194 |
| Noninterest income to average assets | 1.0724% | 815 |
| Noninterest expense to average assets | 2.7634% | 2,812 |
| Loan and lease loss provision to assets | 0.1768% | 1,115 |
| Net operating income to assets | 1.3580% | 1,583 |
| Return on assets (ROA) | 1.3577% | 1,575 |
| Pretax return on assets | 1.7230% | 1,107 |
| Return on Equity (ROE) | 10.2384% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.7384% | 1,790 |
| Net charge-offs to loans | 0.1885% | 1,019 |
| Credit loss provision to net charge-offs | 120.8759% | 2,154 |
| Earnings coverage of net charge-offs (x) | 12.9883% | 2,491 |
| Efficiency ratio | 57.7927% | 4,183 |
| Assets per employee ($millions) | 6.2956% | 1,322 |
| Cash dividends to net income (ytd only)* | 34.1852% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 5,263 |
| Loan loss allowance to noncurrent loans | 62.2710% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 1,972 |
| Noncurrent loans to loans | 0.5367% | 2,665 |
| Net loans and leases to total assets | 75.6726% | 1,664 |
| Net loans and leases to deposits | 89.0031% | 1,926 |
| Net loans and leases to core deposits | 101.0063% | 1,643 |
| Total domestic deposits to total assets | 85.0224% | 2,642 |
| Equity capital to assets | 14.1221% | 935 |
| Core capital (leverage) ratio | 10.5063% | 3,022 |
| Tier 1 risk-based capital ratio | 12.7157% | 4,004 |
| Total risk-based capital ratio | 13.0406% | 4,450 |
| Memoranda: | ||
| Average total assets | $9,911,161,200 | 135 |
| Average earning assets | $9,035,028,800 | 135 |
| Average equity | $1,314,280,800 | 138 |
| Average total loans | $7,691,159,000 | 132 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 2,494 |
| Cost of funding earning assets | 0.5785% | 2,639 |
| Net interest margin | 3.8632% | 2,425 |
| Noninterest income to average assets | 1.1229% | 740 |
| Noninterest expense to average assets | 2.8287% | 2,535 |
| Loan and lease loss provision to assets | 0.1882% | 953 |
| Net operating income to assets | 1.2406% | 2,082 |
| Return on assets (ROA) | 1.2402% | 2,087 |
| Pretax return on assets | 1.6321% | 1,483 |
| Return on Equity (ROE) | 9.5369% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.1351% | 3,169 |
| Net charge-offs to loans | 0.1993% | 849 |
| Credit loss provision to net charge-offs | 120.8700% | 1,978 |
| Earnings coverage of net charge-offs (x) | 11.6961% | 2,498 |
| Efficiency ratio | 59.6801% | 3,853 |
| Assets per employee ($millions) | 6.1404% | 1,396 |
| Cash dividends to net income (ytd only)* | 46.1556% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3247% | 5,345 |
| Loan loss allowance to noncurrent loans | 54.7974% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 1,917 |
| Noncurrent loans to loans | 0.5925% | 2,604 |
| Net loans and leases to total assets | 76.1069% | 1,647 |
| Net loans and leases to deposits | 93.9875% | 1,381 |
| Net loans and leases to core deposits | 106.4552% | 1,275 |
| Total domestic deposits to total assets | 80.9756% | 3,876 |
| Equity capital to assets | 13.6771% | 1,064 |
| Core capital (leverage) ratio | 10.2467% | 3,351 |
| Tier 1 risk-based capital ratio | 12.3059% | 4,317 |
| Total risk-based capital ratio | 12.6235% | 4,750 |
| Memoranda: | ||
| Average total assets | $9,549,615,250 | 140 |
| Average earning assets | $8,717,425,750 | 138 |
| Average equity | $1,241,877,750 | 140 |
| Average total loans | $7,458,145,750 | 134 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,331 |
| Cost of funding earning assets | 0.4742% | 3,199 |
| Net interest margin | 3.6601% | 3,078 |
| Noninterest income to average assets | 1.1475% | 734 |
| Noninterest expense to average assets | 2.9984% | 2,047 |
| Loan and lease loss provision to assets | 0.2497% | 614 |
| Net operating income to assets | 0.9611% | 3,189 |
| Return on assets (ROA) | 0.9596% | 3,200 |
| Pretax return on assets | 1.2491% | 2,728 |
| Return on Equity (ROE) | 7.5435% | 3,700 |
| Retained earnings to average equity (ytd only) | 1.2210% | 4,712 |
| Net charge-offs to loans | 0.1540% | 1,005 |
| Credit loss provision to net charge-offs | 205.6302% | 1,280 |
| Earnings coverage of net charge-offs (x) | 12.3595% | 2,212 |
| Efficiency ratio | 65.6878% | 3,034 |
| Assets per employee ($millions) | 5.8971% | 1,550 |
| Cash dividends to net income (ytd only)* | 83.8145% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3655% | 5,386 |
| Loan loss allowance to noncurrent loans | 52.5647% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 1,677 |
| Noncurrent loans to loans | 0.6953% | 2,368 |
| Net loans and leases to total assets | 77.4549% | 1,403 |
| Net loans and leases to deposits | 98.0163% | 966 |
| Net loans and leases to core deposits | 108.2696% | 1,102 |
| Total domestic deposits to total assets | 79.0225% | 4,425 |
| Equity capital to assets | 13.6443% | 1,054 |
| Core capital (leverage) ratio | 13.1361% | 1,177 |
| Tier 1 risk-based capital ratio | 11.9142% | 4,552 |
| Total risk-based capital ratio | 12.2737% | 4,942 |
| Memoranda: | ||
| Average total assets | $8,952,359,000 | 149 |
| Average earning assets | $8,197,623,330 | 145 |
| Average equity | $1,138,778,000 | 143 |
| Average total loans | $7,057,628,670 | 137 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,300 |
| Cost of funding earning assets | 0.4531% | 3,184 |
| Net interest margin | 3.9158% | 1,977 |
| Noninterest income to average assets | 1.2671% | 576 |
| Noninterest expense to average assets | 2.8180% | 2,640 |
| Loan and lease loss provision to assets | 0.1004% | 1,850 |
| Net operating income to assets | 1.5116% | 1,056 |
| Return on assets (ROA) | 1.5131% | 1,052 |
| Pretax return on assets | 1.9685% | 618 |
| Return on Equity (ROE) | 12.5365% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.5365% | 593 |
| Net charge-offs to loans | 0.0999% | 1,187 |
| Credit loss provision to net charge-offs | 126.1646% | 1,353 |
| Earnings coverage of net charge-offs (x) | 25.9834% | 1,330 |
| Efficiency ratio | 56.7165% | 4,494 |
| Assets per employee ($millions) | 5.4444% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4158% | 5,417 |
| Loan loss allowance to noncurrent loans | 79.7395% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 1,914 |
| Noncurrent loans to loans | 0.5214% | 2,955 |
| Net loans and leases to total assets | 79.1069% | 1,061 |
| Net loans and leases to deposits | 97.3286% | 917 |
| Net loans and leases to core deposits | 104.1523% | 1,367 |
| Total domestic deposits to total assets | 81.2781% | 4,140 |
| Equity capital to assets | 11.9536% | 1,822 |
| Core capital (leverage) ratio | 10.5670% | 2,870 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,247 |
| Total risk-based capital ratio | 12.8869% | 4,671 |
| Memoranda: | ||
| Average total assets | $7,879,343,000 | 164 |
| Average earning assets | $7,279,750,500 | 159 |
| Average equity | $951,015,500 | 164 |
| Average total loans | $6,272,551,500 | 150 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 1,661 |
| Cost of funding earning assets | 0.3734% | 3,482 |
| Net interest margin | 4.1429% | 1,316 |
| Noninterest income to average assets | 1.3897% | 545 |
| Noninterest expense to average assets | 3.1916% | 1,628 |
| Loan and lease loss provision to assets | 0.1168% | 1,948 |
| Net operating income to assets | 1.0378% | 2,100 |
| Return on assets (ROA) | 1.0381% | 2,130 |
| Pretax return on assets | 1.8710% | 646 |
| Return on Equity (ROE) | 8.4998% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.4998% | 621 |
| Net charge-offs to loans | 0.1162% | 1,881 |
| Credit loss provision to net charge-offs | 127.7968% | 2,059 |
| Earnings coverage of net charge-offs (x) | 21.7488% | 1,881 |
| Efficiency ratio | 60.5965% | 4,172 |
| Assets per employee ($millions) | 5.3604% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 5,476 |
| Loan loss allowance to noncurrent loans | 72.4039% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 1,723 |
| Noncurrent loans to loans | 0.5705% | 2,793 |
| Net loans and leases to total assets | 79.4507% | 1,043 |
| Net loans and leases to deposits | 93.7823% | 1,299 |
| Net loans and leases to core deposits | 100.5191% | 1,671 |
| Total domestic deposits to total assets | 84.7182% | 2,939 |
| Equity capital to assets | 12.1874% | 1,708 |
| Core capital (leverage) ratio | 10.5638% | 2,775 |
| Tier 1 risk-based capital ratio | 12.6442% | 4,119 |
| Total risk-based capital ratio | 13.0492% | 4,539 |
| Memoranda: | ||
| Average total assets | $7,366,427,600 | 163 |
| Average earning assets | $6,737,352,400 | 161 |
| Average equity | $899,681,600 | 162 |
| Average total loans | $5,790,644,000 | 152 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 1,698 |
| Cost of funding earning assets | 0.3538% | 3,624 |
| Net interest margin | 4.1269% | 1,323 |
| Noninterest income to average assets | 1.4972% | 483 |
| Noninterest expense to average assets | 3.2594% | 1,438 |
| Loan and lease loss provision to assets | 0.1122% | 1,911 |
| Net operating income to assets | 1.2571% | 1,481 |
| Return on assets (ROA) | 1.2576% | 1,507 |
| Pretax return on assets | 1.8917% | 702 |
| Return on Equity (ROE) | 10.2909% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.2909% | 527 |
| Net charge-offs to loans | 0.0953% | 1,837 |
| Credit loss provision to net charge-offs | 150.4438% | 1,686 |
| Earnings coverage of net charge-offs (x) | 26.8607% | 1,663 |
| Efficiency ratio | 60.8906% | 4,060 |
| Assets per employee ($millions) | 5.3183% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4261% | 5,540 |
| Loan loss allowance to noncurrent loans | 67.9187% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 1,681 |
| Noncurrent loans to loans | 0.6273% | 2,826 |
| Net loans and leases to total assets | 79.4046% | 1,068 |
| Net loans and leases to deposits | 102.7821% | 562 |
| Net loans and leases to core deposits | 106.5617% | 1,234 |
| Total domestic deposits to total assets | 77.2553% | 4,840 |
| Equity capital to assets | 12.4360% | 1,694 |
| Core capital (leverage) ratio | 10.8324% | 2,611 |
| Tier 1 risk-based capital ratio | 12.6993% | 4,204 |
| Total risk-based capital ratio | 13.1166% | 4,594 |
| Memoranda: | ||
| Average total assets | $7,251,473,750 | 165 |
| Average earning assets | $6,616,052,500 | 165 |
| Average equity | $886,148,250 | 165 |
| Average total loans | $5,677,355,750 | 155 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 1,729 |
| Cost of funding earning assets | 0.3253% | 3,842 |
| Net interest margin | 4.1032% | 1,318 |
| Noninterest income to average assets | 1.5207% | 466 |
| Noninterest expense to average assets | 3.1527% | 1,693 |
| Loan and lease loss provision to assets | 0.1180% | 1,740 |
| Net operating income to assets | 1.3014% | 1,293 |
| Return on assets (ROA) | 1.3021% | 1,315 |
| Pretax return on assets | 1.9888% | 539 |
| Return on Equity (ROE) | 10.7227% | 1,748 |
| Retained earnings to average equity (ytd only) | 10.7227% | 478 |
| Net charge-offs to loans | 0.1091% | 1,542 |
| Credit loss provision to net charge-offs | 139.0930% | 1,609 |
| Earnings coverage of net charge-offs (x) | 24.8179% | 1,628 |
| Efficiency ratio | 58.8613% | 4,480 |
| Assets per employee ($millions) | 5.1422% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4315% | 5,584 |
| Loan loss allowance to noncurrent loans | 67.3148% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 1,622 |
| Noncurrent loans to loans | 0.6410% | 2,811 |
| Net loans and leases to total assets | 78.3901% | 1,179 |
| Net loans and leases to deposits | 99.8988% | 746 |
| Net loans and leases to core deposits | 103.2169% | 1,420 |
| Total domestic deposits to total assets | 78.4696% | 4,739 |
| Equity capital to assets | 12.5395% | 1,602 |
| Core capital (leverage) ratio | 10.7743% | 2,628 |
| Tier 1 risk-based capital ratio | 12.6242% | 4,226 |
| Total risk-based capital ratio | 13.0466% | 4,653 |
| Memoranda: | ||
| Average total assets | $7,121,151,330 | 166 |
| Average earning assets | $6,486,998,330 | 166 |
| Average equity | $864,726,000 | 167 |
| Average total loans | $5,538,336,000 | 155 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 1,759 |
| Cost of funding earning assets | 0.2965% | 4,081 |
| Net interest margin | 4.0721% | 1,294 |
| Noninterest income to average assets | 1.5041% | 480 |
| Noninterest expense to average assets | 3.1710% | 1,694 |
| Loan and lease loss provision to assets | 0.0973% | 1,936 |
| Net operating income to assets | 1.2836% | 1,280 |
| Return on assets (ROA) | 1.2836% | 1,315 |
| Pretax return on assets | 1.9394% | 571 |
| Return on Equity (ROE) | 10.7566% | 1,656 |
| Retained earnings to average equity (ytd only) | 10.7566% | 654 |
| Net charge-offs to loans | 0.0274% | 2,205 |
| Credit loss provision to net charge-offs | 459.4595% | 601 |
| Earnings coverage of net charge-offs (x) | 96.1514% | 553 |
| Efficiency ratio | 59.7520% | 4,490 |
| Assets per employee ($millions) | 5.1783% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4653% | 5,625 |
| Loan loss allowance to noncurrent loans | 58.9678% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 1,549 |
| Noncurrent loans to loans | 0.7890% | 2,482 |
| Net loans and leases to total assets | 76.1998% | 1,387 |
| Net loans and leases to deposits | 95.5975% | 967 |
| Net loans and leases to core deposits | 98.6290% | 1,610 |
| Total domestic deposits to total assets | 79.7090% | 4,679 |
| Equity capital to assets | 12.6942% | 1,405 |
| Core capital (leverage) ratio | 10.7856% | 2,612 |
| Tier 1 risk-based capital ratio | 12.8670% | 4,162 |
| Total risk-based capital ratio | 13.3140% | 4,568 |
| Memoranda: | ||
| Average total assets | $6,987,062,500 | 169 |
| Average earning assets | $6,354,828,000 | 168 |
| Average equity | $833,796,500 | 168 |
| Average total loans | $5,398,700,500 | 160 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 1,853 |
| Cost of funding earning assets | 0.2373% | 4,680 |
| Net interest margin | 4.1526% | 1,231 |
| Noninterest income to average assets | 1.6005% | 477 |
| Noninterest expense to average assets | 3.4336% | 1,288 |
| Loan and lease loss provision to assets | 0.0950% | 2,465 |
| Net operating income to assets | 1.2454% | 1,367 |
| Return on assets (ROA) | 1.2464% | 1,450 |
| Pretax return on assets | 1.8233% | 752 |
| Return on Equity (ROE) | 10.7359% | 1,678 |
| Retained earnings to average equity (ytd only) | 6.0892% | 1,661 |
| Net charge-offs to loans | 0.0654% | 2,763 |
| Credit loss provision to net charge-offs | 192.4321% | 1,474 |
| Earnings coverage of net charge-offs (x) | 38.8092% | 1,200 |
| Efficiency ratio | 62.8667% | 4,126 |
| Assets per employee ($millions) | 5.3043% | 2,051 |
| Cash dividends to net income (ytd only)* | 43.2823% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4454% | 5,707 |
| Loan loss allowance to noncurrent loans | 58.2307% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,499 |
| Noncurrent loans to loans | 0.7649% | 2,628 |
| Net loans and leases to total assets | 77.6519% | 1,257 |
| Net loans and leases to deposits | 95.8876% | 1,007 |
| Net loans and leases to core deposits | 98.7404% | 1,724 |
| Total domestic deposits to total assets | 80.9821% | 4,337 |
| Equity capital to assets | 11.1501% | 2,479 |
| Core capital (leverage) ratio | 9.2662% | 4,385 |
| Tier 1 risk-based capital ratio | 10.3428% | 5,642 |
| Total risk-based capital ratio | 10.7603% | 5,805 |
| Memoranda: | ||
| Average total assets | $6,260,103,000 | 179 |
| Average earning assets | $5,653,044,000 | 175 |
| Average equity | $726,764,400 | 173 |
| Average total loans | $4,726,037,800 | 169 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 1,785 |
| Cost of funding earning assets | 0.2272% | 4,813 |
| Net interest margin | 4.1959% | 1,128 |
| Noninterest income to average assets | 1.6977% | 430 |
| Noninterest expense to average assets | 3.5081% | 1,138 |
| Loan and lease loss provision to assets | 0.0841% | 2,537 |
| Net operating income to assets | 1.2685% | 1,387 |
| Return on assets (ROA) | 1.2699% | 1,483 |
| Pretax return on assets | 1.8922% | 716 |
| Return on Equity (ROE) | 10.8175% | 1,740 |
| Retained earnings to average equity (ytd only) | 4.5336% | 3,111 |
| Net charge-offs to loans | 0.0569% | 2,553 |
| Credit loss provision to net charge-offs | 197.5372% | 1,455 |
| Earnings coverage of net charge-offs (x) | 46.3736% | 1,133 |
| Efficiency ratio | 62.6611% | 4,115 |
| Assets per employee ($millions) | 5.1087% | 2,244 |
| Cash dividends to net income (ytd only)* | 58.0906% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4619% | 5,758 |
| Loan loss allowance to noncurrent loans | 55.6530% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 1,461 |
| Noncurrent loans to loans | 0.8299% | 2,606 |
| Net loans and leases to total assets | 76.2732% | 1,483 |
| Net loans and leases to deposits | 93.2049% | 1,345 |
| Net loans and leases to core deposits | 95.9149% | 2,000 |
| Total domestic deposits to total assets | 81.8340% | 3,984 |
| Equity capital to assets | 11.7123% | 2,336 |
| Core capital (leverage) ratio | 9.3115% | 4,447 |
| Tier 1 risk-based capital ratio | 10.9308% | 5,401 |
| Total risk-based capital ratio | 11.3688% | 5,698 |
| Memoranda: | ||
| Average total assets | $6,103,879,000 | 182 |
| Average earning assets | $5,505,651,000 | 178 |
| Average equity | $716,535,000 | 175 |
| Average total loans | $4,564,984,750 | 172 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 1,868 |
| Cost of funding earning assets | 0.2191% | 4,947 |
| Net interest margin | 4.1664% | 1,187 |
| Noninterest income to average assets | 1.6441% | 462 |
| Noninterest expense to average assets | 3.5649% | 1,060 |
| Loan and lease loss provision to assets | 0.0753% | 2,629 |
| Net operating income to assets | 1.1765% | 1,679 |
| Return on assets (ROA) | 1.1786% | 1,766 |
| Pretax return on assets | 1.7586% | 963 |
| Return on Equity (ROE) | 10.0319% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.0319% | 593 |
| Net charge-offs to loans | 0.0713% | 2,169 |
| Credit loss provision to net charge-offs | 142.5856% | 1,657 |
| Earnings coverage of net charge-offs (x) | 34.6654% | 1,268 |
| Efficiency ratio | 64.6187% | 3,911 |
| Assets per employee ($millions) | 4.9055% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4599% | 5,840 |
| Loan loss allowance to noncurrent loans | 49.8452% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4811% | 1,299 |
| Noncurrent loans to loans | 0.9226% | 2,431 |
| Net loans and leases to total assets | 75.6274% | 1,552 |
| Net loans and leases to deposits | 90.7174% | 1,665 |
| Net loans and leases to core deposits | 93.0946% | 2,250 |
| Total domestic deposits to total assets | 83.3660% | 3,513 |
| Equity capital to assets | 12.1314% | 2,031 |
| Core capital (leverage) ratio | 9.4354% | 4,286 |
| Tier 1 risk-based capital ratio | 11.1151% | 5,357 |
| Total risk-based capital ratio | 11.5445% | 5,679 |
| Memoranda: | ||
| Average total assets | $5,975,840,000 | 183 |
| Average earning assets | $5,380,915,000 | 179 |
| Average equity | $702,083,000 | 177 |
| Average total loans | $4,429,457,000 | 175 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,166 |
| Cost of funding earning assets | 0.2128% | 5,078 |
| Net interest margin | 4.0760% | 1,411 |
| Noninterest income to average assets | 1.5727% | 478 |
| Noninterest expense to average assets | 3.7742% | 807 |
| Loan and lease loss provision to assets | 0.0820% | 2,309 |
| Net operating income to assets | 0.9198% | 2,652 |
| Return on assets (ROA) | 0.9241% | 2,736 |
| Pretax return on assets | 1.3870% | 1,938 |
| Return on Equity (ROE) | 8.0038% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.0038% | 1,453 |
| Net charge-offs to loans | 0.0729% | 1,750 |
| Credit loss provision to net charge-offs | 153.8462% | 1,253 |
| Earnings coverage of net charge-offs (x) | 27.4397% | 1,242 |
| Efficiency ratio | 70.7409% | 2,999 |
| Assets per employee ($millions) | 4.6394% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 5,891 |
| Loan loss allowance to noncurrent loans | 44.5528% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 1,185 |
| Noncurrent loans to loans | 1.0615% | 2,268 |
| Net loans and leases to total assets | 73.9338% | 1,738 |
| Net loans and leases to deposits | 86.3877% | 2,026 |
| Net loans and leases to core deposits | 88.5556% | 2,509 |
| Total domestic deposits to total assets | 85.5837% | 2,874 |
| Equity capital to assets | 12.0122% | 2,028 |
| Core capital (leverage) ratio | 9.3298% | 4,456 |
| Tier 1 risk-based capital ratio | 11.2335% | 5,379 |
| Total risk-based capital ratio | 11.6680% | 5,709 |
| Memoranda: | ||
| Average total assets | $5,853,676,000 | 185 |
| Average earning assets | $5,262,170,500 | 180 |
| Average equity | $675,827,500 | 180 |
| Average total loans | $4,281,241,500 | 175 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,462 |
| Cost of funding earning assets | 0.2323% | 4,985 |
| Net interest margin | 4.3154% | 938 |
| Noninterest income to average assets | 1.7794% | 420 |
| Noninterest expense to average assets | 4.2348% | 525 |
| Loan and lease loss provision to assets | 0.0981% | 2,354 |
| Net operating income to assets | 0.9218% | 2,748 |
| Return on assets (ROA) | 0.9238% | 2,828 |
| Pretax return on assets | 1.3012% | 2,279 |
| Return on Equity (ROE) | 7.9114% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.9114% | 946 |
| Net charge-offs to loans | 0.1404% | 1,941 |
| Credit loss provision to net charge-offs | 98.0392% | 2,595 |
| Earnings coverage of net charge-offs (x) | 13.9591% | 2,332 |
| Efficiency ratio | 73.8296% | 2,607 |
| Assets per employee ($millions) | 4.2888% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5239% | 5,902 |
| Loan loss allowance to noncurrent loans | 48.4987% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 1,123 |
| Noncurrent loans to loans | 1.0803% | 2,179 |
| Net loans and leases to total assets | 71.5065% | 2,134 |
| Net loans and leases to deposits | 81.8614% | 2,605 |
| Net loans and leases to core deposits | 83.9894% | 2,966 |
| Total domestic deposits to total assets | 87.3506% | 1,954 |
| Equity capital to assets | 11.0349% | 2,786 |
| Core capital (leverage) ratio | 9.3245% | 4,437 |
| Tier 1 risk-based capital ratio | 11.7414% | 5,105 |
| Total risk-based capital ratio | 12.2404% | 5,426 |
| Memoranda: | ||
| Average total assets | $4,842,970,000 | 197 |
| Average earning assets | $4,322,847,600 | 200 |
| Average equity | $565,527,800 | 191 |
| Average total loans | $3,450,136,400 | 193 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 1,382 |
| Cost of funding earning assets | 0.2355% | 5,036 |
| Net interest margin | 4.3442% | 882 |
| Noninterest income to average assets | 1.8656% | 398 |
| Noninterest expense to average assets | 4.3594% | 455 |
| Loan and lease loss provision to assets | 0.1131% | 1,998 |
| Net operating income to assets | 0.8468% | 3,186 |
| Return on assets (ROA) | 0.8494% | 3,265 |
| Pretax return on assets | 1.2596% | 2,559 |
| Return on Equity (ROE) | 7.1557% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.1557% | 1,620 |
| Net charge-offs to loans | 0.1063% | 2,068 |
| Credit loss provision to net charge-offs | 149.8483% | 1,685 |
| Earnings coverage of net charge-offs (x) | 18.1316% | 2,016 |
| Efficiency ratio | 74.8138% | 2,435 |
| Assets per employee ($millions) | 3.9272% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 5,900 |
| Loan loss allowance to noncurrent loans | 34.3289% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.4123% | 736 |
| Noncurrent loans to loans | 1.7358% | 1,380 |
| Net loans and leases to total assets | 71.8757% | 2,081 |
| Net loans and leases to deposits | 82.5885% | 2,575 |
| Net loans and leases to core deposits | 84.7620% | 2,964 |
| Total domestic deposits to total assets | 87.0287% | 2,029 |
| Equity capital to assets | 11.5660% | 2,447 |
| Core capital (leverage) ratio | 9.4392% | 4,383 |
| Tier 1 risk-based capital ratio | 12.3115% | 4,882 |
| Total risk-based capital ratio | 12.8858% | 5,226 |
| Memoranda: | ||
| Average total assets | $4,655,572,250 | 209 |
| Average earning assets | $4,139,409,500 | 207 |
| Average equity | $552,626,250 | 197 |
| Average total loans | $3,307,644,250 | 199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,484 |
| Cost of funding earning assets | 0.2402% | 5,052 |
| Net interest margin | 4.2750% | 971 |
| Noninterest income to average assets | 1.8059% | 426 |
| Noninterest expense to average assets | 4.5963% | 384 |
| Loan and lease loss provision to assets | 0.1298% | 1,705 |
| Net operating income to assets | 0.5805% | 4,427 |
| Return on assets (ROA) | 0.5812% | 4,526 |
| Pretax return on assets | 0.8672% | 4,078 |
| Return on Equity (ROE) | 4.8476% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.8476% | 2,961 |
| Net charge-offs to loans | 0.1522% | 1,575 |
| Credit loss provision to net charge-offs | 120.8837% | 1,798 |
| Earnings coverage of net charge-offs (x) | 9.2772% | 2,469 |
| Efficiency ratio | 81.1810% | 1,597 |
| Assets per employee ($millions) | 3.9679% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6071% | 5,963 |
| Loan loss allowance to noncurrent loans | 32.2301% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.5345% | 738 |
| Noncurrent loans to loans | 1.8837% | 1,325 |
| Net loans and leases to total assets | 68.0562% | 2,633 |
| Net loans and leases to deposits | 78.5739% | 2,963 |
| Net loans and leases to core deposits | 80.6814% | 3,310 |
| Total domestic deposits to total assets | 86.6143% | 2,361 |
| Equity capital to assets | 11.4181% | 2,483 |
| Core capital (leverage) ratio | 11.1455% | 2,295 |
| Tier 1 risk-based capital ratio | 13.1621% | 4,422 |
| Total risk-based capital ratio | 13.7495% | 4,724 |
| Memoranda: | ||
| Average total assets | $4,468,977,330 | 215 |
| Average earning assets | $3,958,143,330 | 214 |
| Average equity | $535,765,330 | 206 |
| Average total loans | $3,153,178,000 | 207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 870 |
| Cost of funding earning assets | 0.2650% | 4,850 |
| Net interest margin | 4.5306% | 575 |
| Noninterest income to average assets | 1.6670% | 460 |
| Noninterest expense to average assets | 3.9894% | 704 |
| Loan and lease loss provision to assets | 0.1074% | 1,915 |
| Net operating income to assets | 1.0404% | 2,074 |
| Return on assets (ROA) | 1.0412% | 2,215 |
| Pretax return on assets | 1.5645% | 1,359 |
| Return on Equity (ROE) | 8.4297% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.4297% | 1,401 |
| Net charge-offs to loans | 0.0550% | 2,219 |
| Credit loss provision to net charge-offs | 271.6049% | 876 |
| Earnings coverage of net charge-offs (x) | 42.2667% | 945 |
| Efficiency ratio | 69.3974% | 3,597 |
| Assets per employee ($millions) | 4.0670% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 5,835 |
| Loan loss allowance to noncurrent loans | 28.4324% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 3.3466% | 517 |
| Noncurrent loans to loans | 2.5947% | 922 |
| Net loans and leases to total assets | 70.7383% | 2,030 |
| Net loans and leases to deposits | 83.2013% | 2,180 |
| Net loans and leases to core deposits | 85.7795% | 2,575 |
| Total domestic deposits to total assets | 85.0207% | 3,395 |
| Equity capital to assets | 13.0368% | 1,380 |
| Core capital (leverage) ratio | 11.4284% | 2,059 |
| Tier 1 risk-based capital ratio | 15.6727% | 3,070 |
| Total risk-based capital ratio | 16.4223% | 3,259 |
| Memoranda: | ||
| Average total assets | $4,098,512,000 | 227 |
| Average earning assets | $3,612,240,500 | 226 |
| Average equity | $506,211,500 | 209 |
| Average total loans | $2,946,105,000 | 215 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 523 |
| Cost of funding earning assets | 0.3094% | 4,694 |
| Net interest margin | 4.8853% | 368 |
| Noninterest income to average assets | 1.7558% | 414 |
| Noninterest expense to average assets | 4.2260% | 587 |
| Loan and lease loss provision to assets | 0.1262% | 2,077 |
| Net operating income to assets | 1.1421% | 1,808 |
| Return on assets (ROA) | 1.1446% | 1,858 |
| Pretax return on assets | 1.6778% | 1,033 |
| Return on Equity (ROE) | 10.4175% | 1,946 |
| Retained earnings to average equity (ytd only) | 3.3640% | 3,818 |
| Net charge-offs to loans | 0.2192% | 1,917 |
| Credit loss provision to net charge-offs | 79.4514% | 2,880 |
| Earnings coverage of net charge-offs (x) | 11.3369% | 2,503 |
| Efficiency ratio | 69.0940% | 3,692 |
| Assets per employee ($millions) | 3.9343% | 4,095 |
| Cash dividends to net income (ytd only)* | 67.7080% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 5,948 |
| Loan loss allowance to noncurrent loans | 27.2568% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 3.6201% | 504 |
| Noncurrent loans to loans | 2.6490% | 930 |
| Net loans and leases to total assets | 71.9947% | 1,914 |
| Net loans and leases to deposits | 84.7607% | 2,127 |
| Net loans and leases to core deposits | 88.0003% | 2,500 |
| Total domestic deposits to total assets | 84.9388% | 3,311 |
| Equity capital to assets | 11.6458% | 2,304 |
| Core capital (leverage) ratio | 10.0073% | 3,566 |
| Tier 1 risk-based capital ratio | 14.1357% | 4,012 |
| Total risk-based capital ratio | 14.8963% | 4,264 |
| Memoranda: | ||
| Average total assets | $3,742,007,800 | 229 |
| Average earning assets | $3,271,079,800 | 231 |
| Average equity | $411,143,600 | 234 |
| Average total loans | $2,711,225,600 | 216 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 576 |
| Cost of funding earning assets | 0.3088% | 4,795 |
| Net interest margin | 4.8412% | 389 |
| Noninterest income to average assets | 1.7786% | 413 |
| Noninterest expense to average assets | 4.1847% | 619 |
| Loan and lease loss provision to assets | 0.1480% | 1,692 |
| Net operating income to assets | 1.1309% | 1,928 |
| Return on assets (ROA) | 1.1344% | 1,981 |
| Pretax return on assets | 1.6784% | 1,118 |
| Return on Equity (ROE) | 10.4978% | 2,003 |
| Retained earnings to average equity (ytd only) | 0.7409% | 5,582 |
| Net charge-offs to loans | 0.2127% | 1,764 |
| Credit loss provision to net charge-offs | 96.0821% | 2,317 |
| Earnings coverage of net charge-offs (x) | 11.8237% | 2,374 |
| Efficiency ratio | 68.6650% | 3,736 |
| Assets per employee ($millions) | 3.8305% | 4,225 |
| Cash dividends to net income (ytd only)* | 92.9428% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 5,985 |
| Loan loss allowance to noncurrent loans | 27.4802% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 3.9720% | 502 |
| Noncurrent loans to loans | 2.7436% | 1,025 |
| Net loans and leases to total assets | 73.1848% | 1,648 |
| Net loans and leases to deposits | 86.6396% | 1,837 |
| Net loans and leases to core deposits | 90.4400% | 2,178 |
| Total domestic deposits to total assets | 84.4704% | 3,559 |
| Equity capital to assets | 11.2112% | 2,747 |
| Core capital (leverage) ratio | 9.6667% | 4,134 |
| Tier 1 risk-based capital ratio | 13.6564% | 4,442 |
| Total risk-based capital ratio | 14.4629% | 4,657 |
| Memoranda: | ||
| Average total assets | $3,667,365,500 | 229 |
| Average earning assets | $3,202,482,750 | 231 |
| Average equity | $396,290,250 | 234 |
| Average total loans | $2,656,492,500 | 215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 629 |
| Cost of funding earning assets | 0.3026% | 4,945 |
| Net interest margin | 4.7861% | 424 |
| Noninterest income to average assets | 1.6912% | 450 |
| Noninterest expense to average assets | 4.1653% | 626 |
| Loan and lease loss provision to assets | 0.1404% | 1,766 |
| Net operating income to assets | 1.0401% | 2,161 |
| Return on assets (ROA) | 1.0403% | 2,228 |
| Pretax return on assets | 1.5623% | 1,355 |
| Return on Equity (ROE) | 9.7646% | 2,257 |
| Retained earnings to average equity (ytd only) | -5.5355% | 6,270 |
| Net charge-offs to loans | 0.2048% | 1,796 |
| Credit loss provision to net charge-offs | 95.2708% | 2,091 |
| Earnings coverage of net charge-offs (x) | 11.5507% | 2,148 |
| Efficiency ratio | 70.0579% | 3,649 |
| Assets per employee ($millions) | 3.3152% | 5,228 |
| Cash dividends to net income (ytd only)* | 156.6890% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 5,859 |
| Loan loss allowance to noncurrent loans | 27.3002% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 4.5530% | 426 |
| Noncurrent loans to loans | 3.1376% | 908 |
| Net loans and leases to total assets | 73.0930% | 1,562 |
| Net loans and leases to deposits | 85.1148% | 1,914 |
| Net loans and leases to core deposits | 88.7987% | 2,230 |
| Total domestic deposits to total assets | 85.8758% | 3,107 |
| Equity capital to assets | 10.8098% | 3,077 |
| Core capital (leverage) ratio | 9.7749% | 3,926 |
| Tier 1 risk-based capital ratio | 14.1062% | 4,189 |
| Total risk-based capital ratio | 15.0381% | 4,346 |
| Memoranda: | ||
| Average total assets | $3,558,069,330 | 231 |
| Average earning assets | $3,104,837,330 | 235 |
| Average equity | $379,082,330 | 240 |
| Average total loans | $2,559,946,000 | 220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 724 |
| Cost of funding earning assets | 0.3023% | 5,041 |
| Net interest margin | 4.6936% | 476 |
| Noninterest income to average assets | 1.5051% | 520 |
| Noninterest expense to average assets | 3.8495% | 920 |
| Loan and lease loss provision to assets | 0.1679% | 1,443 |
| Net operating income to assets | 1.0758% | 1,913 |
| Return on assets (ROA) | 1.0762% | 1,976 |
| Pretax return on assets | 1.5822% | 1,210 |
| Return on Equity (ROE) | 10.1747% | 1,969 |
| Retained earnings to average equity (ytd only) | -20.5007% | 6,537 |
| Net charge-offs to loans | 0.1787% | 1,649 |
| Credit loss provision to net charge-offs | 132.2467% | 1,368 |
| Earnings coverage of net charge-offs (x) | 13.7762% | 1,650 |
| Efficiency ratio | 67.6891% | 4,225 |
| Assets per employee ($millions) | 3.6848% | 4,553 |
| Cash dividends to net income (ytd only)* | 301.4866% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 5,892 |
| Loan loss allowance to noncurrent loans | 22.0338% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 5.2659% | 374 |
| Noncurrent loans to loans | 4.0368% | 668 |
| Net loans and leases to total assets | 72.7025% | 1,464 |
| Net loans and leases to deposits | 84.0519% | 1,814 |
| Net loans and leases to core deposits | 86.8776% | 2,210 |
| Total domestic deposits to total assets | 86.4972% | 3,106 |
| Equity capital to assets | 10.6124% | 3,128 |
| Core capital (leverage) ratio | 9.4330% | 4,372 |
| Tier 1 risk-based capital ratio | 14.0858% | 4,272 |
| Total risk-based capital ratio | 15.0636% | 4,410 |
| Memoranda: | ||
| Average total assets | $3,575,085,000 | 230 |
| Average earning assets | $3,118,319,000 | 235 |
| Average equity | $378,153,500 | 238 |
| Average total loans | $2,540,880,000 | 217 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 820 |
| Cost of funding earning assets | 0.3327% | 5,300 |
| Net interest margin | 4.7238% | 491 |
| Noninterest income to average assets | 1.7178% | 499 |
| Noninterest expense to average assets | 4.3726% | 589 |
| Loan and lease loss provision to assets | 0.3279% | 989 |
| Net operating income to assets | 0.7125% | 3,738 |
| Return on assets (ROA) | 0.7164% | 3,799 |
| Pretax return on assets | 1.0528% | 3,144 |
| Return on Equity (ROE) | 6.4708% | 3,846 |
| Retained earnings to average equity (ytd only) | 5.8158% | 2,086 |
| Net charge-offs to loans | 0.5233% | 1,267 |
| Credit loss provision to net charge-offs | 89.1069% | 2,790 |
| Earnings coverage of net charge-offs (x) | 3.7369% | 3,762 |
| Efficiency ratio | 75.2647% | 2,905 |
| Assets per employee ($millions) | 4.3884% | 3,106 |
| Cash dividends to net income (ytd only)* | 10.1233% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 5,966 |
| Loan loss allowance to noncurrent loans | 21.2386% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 5.1545% | 450 |
| Noncurrent loans to loans | 4.1731% | 672 |
| Net loans and leases to total assets | 68.2893% | 2,301 |
| Net loans and leases to deposits | 83.3342% | 2,019 |
| Net loans and leases to core deposits | 85.7498% | 2,476 |
| Total domestic deposits to total assets | 81.9463% | 4,894 |
| Equity capital to assets | 10.5443% | 3,098 |
| Core capital (leverage) ratio | 11.9276% | 1,658 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,633 |
| Total risk-based capital ratio | 16.0299% | 3,740 |
| Memoranda: | ||
| Average total assets | $3,033,622,000 | 249 |
| Average earning assets | $2,587,960,400 | 266 |
| Average equity | $335,845,400 | 248 |
| Average total loans | $2,133,227,800 | 246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 471 |
| Cost of funding earning assets | 0.3516% | 5,277 |
| Net interest margin | 5.0133% | 307 |
| Noninterest income to average assets | 1.8522% | 463 |
| Noninterest expense to average assets | 4.3372% | 607 |
| Loan and lease loss provision to assets | 0.4055% | 738 |
| Net operating income to assets | 0.9070% | 2,799 |
| Return on assets (ROA) | 0.9123% | 2,876 |
| Pretax return on assets | 1.3642% | 2,062 |
| Return on Equity (ROE) | 8.1179% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.2103% | 1,784 |
| Net charge-offs to loans | 0.5559% | 1,141 |
| Credit loss provision to net charge-offs | 103.0757% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.4782% | 3,429 |
| Efficiency ratio | 70.3014% | 3,704 |
| Assets per employee ($millions) | 3.3715% | 5,127 |
| Cash dividends to net income (ytd only)* | 11.1794% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,126 |
| Loan loss allowance to noncurrent loans | 22.1626% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 7.0307% | 287 |
| Noncurrent loans to loans | 5.1832% | 557 |
| Net loans and leases to total assets | 72.8284% | 1,479 |
| Net loans and leases to deposits | 83.8541% | 1,894 |
| Net loans and leases to core deposits | 88.9921% | 2,079 |
| Total domestic deposits to total assets | 86.8513% | 2,773 |
| Equity capital to assets | 11.6137% | 2,205 |
| Core capital (leverage) ratio | 11.6481% | 1,917 |
| Tier 1 risk-based capital ratio | 18.1282% | 2,273 |
| Total risk-based capital ratio | 19.3791% | 2,240 |
| Memoranda: | ||
| Average total assets | $2,875,945,000 | 260 |
| Average earning assets | $2,436,168,250 | 278 |
| Average equity | $323,212,500 | 257 |
| Average total loans | $2,035,354,250 | 248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 479 |
| Cost of funding earning assets | 0.3593% | 5,322 |
| Net interest margin | 4.9955% | 310 |
| Noninterest income to average assets | 1.7827% | 527 |
| Noninterest expense to average assets | 4.2614% | 652 |
| Loan and lease loss provision to assets | 0.4351% | 677 |
| Net operating income to assets | 0.8593% | 2,994 |
| Return on assets (ROA) | 0.8673% | 3,112 |
| Pretax return on assets | 1.2993% | 2,303 |
| Return on Equity (ROE) | 7.8015% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.4343% | 2,182 |
| Net charge-offs to loans | 0.5613% | 1,174 |
| Credit loss provision to net charge-offs | 110.9975% | 1,999 |
| Earnings coverage of net charge-offs (x) | 4.3946% | 3,145 |
| Efficiency ratio | 70.3798% | 3,754 |
| Assets per employee ($millions) | 3.3501% | 5,173 |
| Cash dividends to net income (ytd only)* | 17.5243% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,125 |
| Loan loss allowance to noncurrent loans | 19.8733% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 7.9761% | 258 |
| Noncurrent loans to loans | 5.9099% | 492 |
| Net loans and leases to total assets | 72.5845% | 1,464 |
| Net loans and leases to deposits | 83.3994% | 1,881 |
| Net loans and leases to core deposits | 88.5309% | 2,058 |
| Total domestic deposits to total assets | 87.0324% | 2,800 |
| Equity capital to assets | 11.5489% | 2,255 |
| Core capital (leverage) ratio | 11.3226% | 2,077 |
| Tier 1 risk-based capital ratio | 17.9068% | 2,348 |
| Total risk-based capital ratio | 19.1582% | 2,315 |
| Memoranda: | ||
| Average total assets | $2,895,080,330 | 260 |
| Average earning assets | $2,434,754,670 | 279 |
| Average equity | $321,837,330 | 260 |
| Average total loans | $2,021,622,330 | 252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 572 |
| Cost of funding earning assets | 0.3691% | 5,377 |
| Net interest margin | 4.8647% | 362 |
| Noninterest income to average assets | 1.6982% | 545 |
| Noninterest expense to average assets | 4.2776% | 645 |
| Loan and lease loss provision to assets | 0.3543% | 918 |
| Net operating income to assets | 0.7523% | 3,427 |
| Return on assets (ROA) | 0.7680% | 3,485 |
| Pretax return on assets | 1.1491% | 2,766 |
| Return on Equity (ROE) | 7.0395% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.0395% | 2,135 |
| Net charge-offs to loans | 0.5626% | 1,083 |
| Credit loss provision to net charge-offs | 92.4689% | 1,978 |
| Earnings coverage of net charge-offs (x) | 3.8629% | 2,655 |
| Efficiency ratio | 74.2950% | 3,215 |
| Assets per employee ($millions) | 3.4897% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,315 |
| Loan loss allowance to noncurrent loans | 17.1756% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 8.8931% | 258 |
| Noncurrent loans to loans | 6.8210% | 442 |
| Net loans and leases to total assets | 68.9281% | 1,855 |
| Net loans and leases to deposits | 79.1955% | 2,188 |
| Net loans and leases to core deposits | 83.3680% | 2,414 |
| Total domestic deposits to total assets | 87.0353% | 2,941 |
| Equity capital to assets | 11.2944% | 2,638 |
| Core capital (leverage) ratio | 10.8842% | 2,365 |
| Tier 1 risk-based capital ratio | 17.4373% | 2,587 |
| Total risk-based capital ratio | 18.6883% | 2,545 |
| Memoranda: | ||
| Average total assets | $2,938,940,500 | 255 |
| Average earning assets | $2,452,458,000 | 279 |
| Average equity | $320,646,000 | 265 |
| Average total loans | $2,001,471,500 | 253 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 948 |
| Cost of funding earning assets | 0.5545% | 4,775 |
| Net interest margin | 4.7310% | 616 |
| Noninterest income to average assets | 2.0531% | 418 |
| Noninterest expense to average assets | 4.1715% | 803 |
| Loan and lease loss provision to assets | 0.9516% | 448 |
| Net operating income to assets | 0.5356% | 4,537 |
| Return on assets (ROA) | 0.5428% | 4,762 |
| Pretax return on assets | 0.8172% | 4,234 |
| Return on Equity (ROE) | 4.8748% | 4,740 |
| Retained earnings to average equity (ytd only) | -3.8366% | 6,346 |
| Net charge-offs to loans | 2.0176% | 358 |
| Credit loss provision to net charge-offs | 71.1026% | 4,123 |
| Earnings coverage of net charge-offs (x) | 1.3136% | 4,808 |
| Efficiency ratio | 69.5853% | 3,885 |
| Assets per employee ($millions) | 3.4830% | 5,043 |
| Cash dividends to net income (ytd only)* | 178.7035% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,233 |
| Loan loss allowance to noncurrent loans | 14.9419% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 9.4825% | 243 |
| Noncurrent loans to loans | 7.8668% | 374 |
| Net loans and leases to total assets | 65.7605% | 2,562 |
| Net loans and leases to deposits | 75.5260% | 2,878 |
| Net loans and leases to core deposits | 79.5071% | 3,077 |
| Total domestic deposits to total assets | 87.0701% | 2,804 |
| Equity capital to assets | 10.5458% | 3,474 |
| Core capital (leverage) ratio | 10.2971% | 3,020 |
| Tier 1 risk-based capital ratio | 17.3990% | 2,486 |
| Total risk-based capital ratio | 18.6500% | 2,463 |
| Memoranda: | ||
| Average total assets | $2,989,929,400 | 242 |
| Average earning assets | $2,449,848,200 | 267 |
| Average equity | $332,896,400 | 259 |
| Average total loans | $1,983,271,600 | 250 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 976 |
| Cost of funding earning assets | 0.5999% | 4,649 |
| Net interest margin | 4.7174% | 657 |
| Noninterest income to average assets | 2.5960% | 305 |
| Noninterest expense to average assets | 4.6250% | 489 |
| Loan and lease loss provision to assets | 1.0887% | 358 |
| Net operating income to assets | 0.4869% | 4,892 |
| Return on assets (ROA) | 0.4869% | 5,156 |
| Pretax return on assets | 0.7262% | 4,765 |
| Return on Equity (ROE) | 4.3156% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.1273% | 4,673 |
| Net charge-offs to loans | 2.2667% | 296 |
| Credit loss provision to net charge-offs | 72.4676% | 3,840 |
| Earnings coverage of net charge-offs (x) | 1.2081% | 4,698 |
| Efficiency ratio | 71.1274% | 3,484 |
| Assets per employee ($millions) | 3.3921% | 5,227 |
| Cash dividends to net income (ytd only)* | 27.5356% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,880 |
| Loan loss allowance to noncurrent loans | 15.5781% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 9.8882% | 250 |
| Noncurrent loans to loans | 8.2509% | 366 |
| Net loans and leases to total assets | 67.2503% | 2,412 |
| Net loans and leases to deposits | 77.0717% | 2,796 |
| Net loans and leases to core deposits | 82.1918% | 2,941 |
| Total domestic deposits to total assets | 87.2568% | 2,525 |
| Equity capital to assets | 11.4806% | 2,762 |
| Core capital (leverage) ratio | 11.3042% | 2,134 |
| Tier 1 risk-based capital ratio | 18.8813% | 2,046 |
| Total risk-based capital ratio | 20.1342% | 2,013 |
| Memoranda: | ||
| Average total assets | $2,983,334,500 | 244 |
| Average earning assets | $2,430,887,500 | 268 |
| Average equity | $336,596,750 | 255 |
| Average total loans | $1,977,306,000 | 249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 936 |
| Cost of funding earning assets | 0.6481% | 4,455 |
| Net interest margin | 4.7150% | 655 |
| Noninterest income to average assets | 2.9333% | 252 |
| Noninterest expense to average assets | 4.6586% | 473 |
| Loan and lease loss provision to assets | 1.2481% | 325 |
| Net operating income to assets | 0.5756% | 4,471 |
| Return on assets (ROA) | 0.5756% | 4,743 |
| Pretax return on assets | 0.8640% | 4,215 |
| Return on Equity (ROE) | 5.1311% | 4,740 |
| Retained earnings to average equity (ytd only) | 5.1311% | 3,199 |
| Net charge-offs to loans | 2.8124% | 221 |
| Credit loss provision to net charge-offs | 67.5764% | 3,621 |
| Earnings coverage of net charge-offs (x) | 1.1436% | 4,443 |
| Efficiency ratio | 68.1812% | 4,084 |
| Assets per employee ($millions) | 3.4902% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,808 |
| Loan loss allowance to noncurrent loans | 13.3041% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 10.8181% | 221 |
| Noncurrent loans to loans | 9.9108% | 276 |
| Net loans and leases to total assets | 66.9576% | 2,471 |
| Net loans and leases to deposits | 76.9982% | 2,832 |
| Net loans and leases to core deposits | 81.9779% | 2,962 |
| Total domestic deposits to total assets | 86.9600% | 2,790 |
| Equity capital to assets | 11.6292% | 2,466 |
| Core capital (leverage) ratio | 11.0914% | 2,214 |
| Tier 1 risk-based capital ratio | 19.2745% | 1,904 |
| Total risk-based capital ratio | 20.5281% | 1,869 |
| Memoranda: | ||
| Average total assets | $2,991,803,330 | 246 |
| Average earning assets | $2,434,948,670 | 268 |
| Average equity | $335,600,000 | 255 |
| Average total loans | $1,964,702,330 | 250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 1,062 |
| Cost of funding earning assets | 0.6893% | 4,375 |
| Net interest margin | 4.6281% | 782 |
| Noninterest income to average assets | 2.7655% | 269 |
| Noninterest expense to average assets | 3.7235% | 1,343 |
| Loan and lease loss provision to assets | 1.6669% | 196 |
| Net operating income to assets | 0.7412% | 3,670 |
| Return on assets (ROA) | 0.7412% | 3,904 |
| Pretax return on assets | 1.0979% | 3,329 |
| Return on Equity (ROE) | 6.7276% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.7276% | 2,566 |
| Net charge-offs to loans | 3.9040% | 150 |
| Credit loss provision to net charge-offs | 66.0828% | 2,994 |
| Earnings coverage of net charge-offs (x) | 1.0961% | 3,786 |
| Efficiency ratio | 56.9395% | 6,035 |
| Assets per employee ($millions) | 3.6807% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,418 |
| Loan loss allowance to noncurrent loans | 12.5162% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 11.5451% | 223 |
| Noncurrent loans to loans | 11.5063% | 224 |
| Net loans and leases to total assets | 64.5011% | 2,762 |
| Net loans and leases to deposits | 73.5790% | 3,184 |
| Net loans and leases to core deposits | 78.5212% | 3,255 |
| Total domestic deposits to total assets | 87.6624% | 2,547 |
| Equity capital to assets | 11.0248% | 2,878 |
| Core capital (leverage) ratio | 10.9279% | 2,317 |
| Tier 1 risk-based capital ratio | 19.0132% | 1,985 |
| Total risk-based capital ratio | 20.2685% | 1,945 |
| Memoranda: | ||
| Average total assets | $3,023,580,000 | 245 |
| Average earning assets | $2,432,182,000 | 268 |
| Average equity | $333,134,000 | 251 |
| Average total loans | $1,953,611,000 | 250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8717% | 554 |
| Cost of funding earning assets | 1.0853% | 2,767 |
| Net interest margin | 4.7863% | 646 |
| Noninterest income to average assets | 1.3124% | 751 |
| Noninterest expense to average assets | 3.0332% | 3,469 |
| Loan and lease loss provision to assets | 1.0274% | 915 |
| Net operating income to assets | 0.7693% | 3,183 |
| Return on assets (ROA) | 0.7693% | 3,342 |
| Pretax return on assets | 1.1533% | 2,636 |
| Return on Equity (ROE) | 7.1973% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.1973% | 1,408 |
| Net charge-offs to loans | 1.5604% | 1,016 |
| Credit loss provision to net charge-offs | 101.9489% | 3,405 |
| Earnings coverage of net charge-offs (x) | 2.1640% | 4,163 |
| Efficiency ratio | 57.4862% | 6,118 |
| Assets per employee ($millions) | 4.0311% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 2,757 |
| Loan loss allowance to noncurrent loans | 15.2398% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 11.8534% | 216 |
| Noncurrent loans to loans | 12.0454% | 220 |
| Net loans and leases to total assets | 62.5995% | 3,490 |
| Net loans and leases to deposits | 72.4249% | 3,742 |
| Net loans and leases to core deposits | 78.2092% | 3,661 |
| Total domestic deposits to total assets | 86.4336% | 3,062 |
| Equity capital to assets | 11.0109% | 2,970 |
| Core capital (leverage) ratio | 10.6222% | 2,597 |
| Tier 1 risk-based capital ratio | 18.6092% | 2,017 |
| Total risk-based capital ratio | 19.8689% | 1,979 |
| Memoranda: | ||
| Average total assets | $2,953,322,400 | 242 |
| Average earning assets | $2,407,373,600 | 264 |
| Average equity | $315,689,200 | 254 |
| Average total loans | $1,907,324,000 | 244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 912 |
| Cost of funding earning assets | 1.1563% | 2,594 |
| Net interest margin | 4.5071% | 1,132 |
| Noninterest income to average assets | 1.7596% | 457 |
| Noninterest expense to average assets | 3.0516% | 3,347 |
| Loan and lease loss provision to assets | 1.0019% | 857 |
| Net operating income to assets | 0.9540% | 2,513 |
| Return on assets (ROA) | 0.9612% | 2,643 |
| Pretax return on assets | 1.4349% | 1,831 |
| Return on Equity (ROE) | 9.0617% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.0617% | 1,121 |
| Net charge-offs to loans | 1.4999% | 966 |
| Credit loss provision to net charge-offs | 103.0931% | 3,230 |
| Earnings coverage of net charge-offs (x) | 2.4963% | 3,883 |
| Efficiency ratio | 55.0150% | 6,385 |
| Assets per employee ($millions) | 4.1391% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 2,995 |
| Loan loss allowance to noncurrent loans | 17.1397% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 11.1985% | 276 |
| Noncurrent loans to loans | 10.4193% | 326 |
| Net loans and leases to total assets | 64.1383% | 3,283 |
| Net loans and leases to deposits | 73.6279% | 3,701 |
| Net loans and leases to core deposits | 79.9939% | 3,639 |
| Total domestic deposits to total assets | 87.1113% | 2,583 |
| Equity capital to assets | 10.8941% | 3,242 |
| Core capital (leverage) ratio | 10.4626% | 2,911 |
| Tier 1 risk-based capital ratio | 18.9862% | 1,942 |
| Total risk-based capital ratio | 20.2466% | 1,916 |
| Memoranda: | ||
| Average total assets | $2,940,855,750 | 242 |
| Average earning assets | $2,425,946,750 | 260 |
| Average equity | $311,942,250 | 257 |
| Average total loans | $1,905,370,750 | 243 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 1,027 |
| Cost of funding earning assets | 1.1930% | 2,623 |
| Net interest margin | 4.4332% | 1,286 |
| Noninterest income to average assets | 0.6310% | 2,943 |
| Noninterest expense to average assets | 2.8912% | 4,060 |
| Loan and lease loss provision to assets | 0.9989% | 874 |
| Net operating income to assets | 0.2859% | 5,423 |
| Return on assets (ROA) | 0.2970% | 5,522 |
| Pretax return on assets | 0.4369% | 5,274 |
| Return on Equity (ROE) | 2.8263% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.8263% | 4,486 |
| Net charge-offs to loans | 1.5514% | 948 |
| Credit loss provision to net charge-offs | 99.6508% | 3,179 |
| Earnings coverage of net charge-offs (x) | 1.4162% | 4,223 |
| Efficiency ratio | 66.4082% | 4,796 |
| Assets per employee ($millions) | 4.1387% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 2,764 |
| Loan loss allowance to noncurrent loans | 17.2828% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 11.2781% | 292 |
| Noncurrent loans to loans | 10.8176% | 332 |
| Net loans and leases to total assets | 63.4522% | 3,589 |
| Net loans and leases to deposits | 71.9953% | 4,114 |
| Net loans and leases to core deposits | 79.7144% | 3,825 |
| Total domestic deposits to total assets | 88.1338% | 2,053 |
| Equity capital to assets | 10.8426% | 3,139 |
| Core capital (leverage) ratio | 10.3850% | 2,847 |
| Tier 1 risk-based capital ratio | 18.1896% | 2,107 |
| Total risk-based capital ratio | 19.4499% | 2,060 |
| Memoranda: | ||
| Average total assets | $2,913,966,670 | 244 |
| Average earning assets | $2,418,690,330 | 262 |
| Average equity | $306,200,330 | 261 |
| Average total loans | $1,882,764,330 | 246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 2,004 |
| Cost of funding earning assets | 1.2396% | 2,571 |
| Net interest margin | 4.0220% | 2,599 |
| Noninterest income to average assets | 0.6082% | 3,104 |
| Noninterest expense to average assets | 2.6376% | 5,091 |
| Loan and lease loss provision to assets | 0.9639% | 812 |
| Net operating income to assets | 0.2244% | 5,704 |
| Return on assets (ROA) | 0.2442% | 5,699 |
| Pretax return on assets | 0.3781% | 5,402 |
| Return on Equity (ROE) | 2.3607% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.3607% | 4,731 |
| Net charge-offs to loans | 1.3097% | 1,056 |
| Credit loss provision to net charge-offs | 113.9460% | 2,356 |
| Earnings coverage of net charge-offs (x) | 1.5504% | 3,547 |
| Efficiency ratio | 66.7756% | 4,900 |
| Assets per employee ($millions) | 4.2187% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,715 |
| Loan loss allowance to noncurrent loans | 18.7679% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 10.6640% | 358 |
| Noncurrent loans to loans | 10.0881% | 400 |
| Net loans and leases to total assets | 63.0015% | 3,660 |
| Net loans and leases to deposits | 71.1755% | 4,170 |
| Net loans and leases to core deposits | 79.4497% | 3,828 |
| Total domestic deposits to total assets | 88.5157% | 2,067 |
| Equity capital to assets | 10.4654% | 3,217 |
| Core capital (leverage) ratio | 10.1470% | 2,981 |
| Tier 1 risk-based capital ratio | 17.8151% | 2,179 |
| Total risk-based capital ratio | 19.0756% | 2,140 |
| Memoranda: | ||
| Average total assets | $2,943,081,500 | 240 |
| Average earning assets | $2,444,751,500 | 263 |
| Average equity | $304,483,000 | 260 |
| Average total loans | $1,900,870,500 | 246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 2,485 |
| Cost of funding earning assets | 1.3175% | 3,768 |
| Net interest margin | 4.1303% | 2,448 |
| Noninterest income to average assets | 1.1903% | 1,052 |
| Noninterest expense to average assets | 3.0526% | 3,652 |
| Loan and lease loss provision to assets | 1.9377% | 694 |
| Net operating income to assets | -0.0993% | 5,989 |
| Return on assets (ROA) | -0.0993% | 6,050 |
| Pretax return on assets | -0.2046% | 6,087 |
| Return on Equity (ROE) | -0.9139% | 6,057 |
| Retained earnings to average equity (ytd only) | -0.9139% | 5,790 |
| Net charge-offs to loans | 2.8990% | 591 |
| Credit loss provision to net charge-offs | 97.6331% | 4,750 |
| Earnings coverage of net charge-offs (x) | 0.8732% | 5,252 |
| Efficiency ratio | 62.7068% | 5,580 |
| Assets per employee ($millions) | 4.1964% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 2,887 |
| Loan loss allowance to noncurrent loans | 20.0120% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 9.6133% | 441 |
| Noncurrent loans to loans | 8.9530% | 526 |
| Net loans and leases to total assets | 63.7875% | 3,917 |
| Net loans and leases to deposits | 74.4863% | 4,117 |
| Net loans and leases to core deposits | 83.2556% | 3,711 |
| Total domestic deposits to total assets | 85.6365% | 3,529 |
| Equity capital to assets | 10.2283% | 3,464 |
| Core capital (leverage) ratio | 11.0454% | 2,127 |
| Tier 1 risk-based capital ratio | 17.6227% | 2,119 |
| Total risk-based capital ratio | 18.8826% | 2,083 |
| Memoranda: | ||
| Average total assets | $2,520,433,800 | 285 |
| Average earning assets | $2,194,015,800 | 292 |
| Average equity | $273,979,000 | 276 |
| Average total loans | $1,725,533,400 | 275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 2,254 |
| Cost of funding earning assets | 1.3472% | 3,920 |
| Net interest margin | 4.2033% | 2,202 |
| Noninterest income to average assets | 0.9828% | 1,508 |
| Noninterest expense to average assets | 3.0189% | 3,676 |
| Loan and lease loss provision to assets | 2.1139% | 543 |
| Net operating income to assets | -0.2805% | 6,415 |
| Return on assets (ROA) | -0.2734% | 6,452 |
| Pretax return on assets | -0.4341% | 6,508 |
| Return on Equity (ROE) | -2.4705% | 6,448 |
| Retained earnings to average equity (ytd only) | -2.4705% | 6,276 |
| Net charge-offs to loans | 3.1844% | 461 |
| Credit loss provision to net charge-offs | 95.4542% | 4,546 |
| Earnings coverage of net charge-offs (x) | 0.7536% | 5,307 |
| Efficiency ratio | 63.2658% | 5,388 |
| Assets per employee ($millions) | 4.2643% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0595% | 2,083 |
| Loan loss allowance to noncurrent loans | 27.6366% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 8.1605% | 608 |
| Noncurrent loans to loans | 7.4522% | 724 |
| Net loans and leases to total assets | 66.4044% | 3,594 |
| Net loans and leases to deposits | 76.6741% | 4,056 |
| Net loans and leases to core deposits | 86.5814% | 3,573 |
| Total domestic deposits to total assets | 86.6060% | 2,752 |
| Equity capital to assets | 12.5449% | 1,831 |
| Core capital (leverage) ratio | 12.0089% | 1,666 |
| Tier 1 risk-based capital ratio | 18.0144% | 2,019 |
| Total risk-based capital ratio | 19.2744% | 1,981 |
| Memoranda: | ||
| Average total assets | $2,407,774,250 | 294 |
| Average earning assets | $2,122,230,500 | 297 |
| Average equity | $266,501,250 | 278 |
| Average total loans | $1,674,479,750 | 283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 2,119 |
| Cost of funding earning assets | 1.3761% | 4,022 |
| Net interest margin | 4.2299% | 2,053 |
| Noninterest income to average assets | 1.1303% | 1,027 |
| Noninterest expense to average assets | 3.0471% | 3,530 |
| Loan and lease loss provision to assets | 2.3744% | 487 |
| Net operating income to assets | -0.3787% | 6,541 |
| Return on assets (ROA) | -0.3677% | 6,576 |
| Pretax return on assets | -0.5558% | 6,631 |
| Return on Equity (ROE) | -3.4790% | 6,563 |
| Retained earnings to average equity (ytd only) | -3.4790% | 6,363 |
| Net charge-offs to loans | 3.6441% | 393 |
| Credit loss provision to net charge-offs | 92.9054% | 4,338 |
| Earnings coverage of net charge-offs (x) | 0.7051% | 5,037 |
| Efficiency ratio | 62.0264% | 5,687 |
| Assets per employee ($millions) | 4.1654% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9933% | 2,203 |
| Loan loss allowance to noncurrent loans | 28.9172% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 7.4857% | 681 |
| Noncurrent loans to loans | 6.8931% | 836 |
| Net loans and leases to total assets | 68.2291% | 3,307 |
| Net loans and leases to deposits | 79.1358% | 3,771 |
| Net loans and leases to core deposits | 79.7802% | 4,716 |
| Total domestic deposits to total assets | 86.2178% | 2,960 |
| Equity capital to assets | 12.5962% | 1,743 |
| Core capital (leverage) ratio | 12.1931% | 1,544 |
| Tier 1 risk-based capital ratio | 18.0824% | 1,940 |
| Total risk-based capital ratio | 19.3428% | 1,905 |
| Memoranda: | ||
| Average total assets | $2,400,154,330 | 296 |
| Average earning assets | $2,110,133,670 | 299 |
| Average equity | $253,694,670 | 290 |
| Average total loans | $1,683,310,330 | 283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 3,359 |
| Cost of funding earning assets | 1.4072% | 4,131 |
| Net interest margin | 3.9299% | 3,200 |
| Noninterest income to average assets | 0.7417% | 2,353 |
| Noninterest expense to average assets | 2.7772% | 4,578 |
| Loan and lease loss provision to assets | 1.8024% | 629 |
| Net operating income to assets | -0.2390% | 6,591 |
| Return on assets (ROA) | -0.2176% | 6,632 |
| Pretax return on assets | -0.3473% | 6,682 |
| Return on Equity (ROE) | -2.2795% | 6,668 |
| Retained earnings to average equity (ytd only) | -2.2795% | 6,253 |
| Net charge-offs to loans | 3.0829% | 494 |
| Credit loss provision to net charge-offs | 83.0506% | 3,811 |
| Earnings coverage of net charge-offs (x) | 0.6551% | 4,440 |
| Efficiency ratio | 65.2451% | 5,264 |
| Assets per employee ($millions) | 3.9697% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0322% | 2,099 |
| Loan loss allowance to noncurrent loans | 29.4083% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 7.0293% | 764 |
| Noncurrent loans to loans | 6.9102% | 871 |
| Net loans and leases to total assets | 68.6135% | 3,251 |
| Net loans and leases to deposits | 77.1010% | 4,202 |
| Net loans and leases to core deposits | 87.5771% | 3,670 |
| Total domestic deposits to total assets | 88.9917% | 1,517 |
| Equity capital to assets | 9.6574% | 4,294 |
| Core capital (leverage) ratio | 9.2608% | 4,116 |
| Tier 1 risk-based capital ratio | 13.3806% | 4,059 |
| Total risk-based capital ratio | 14.6404% | 4,015 |
| Memoranda: | ||
| Average total assets | $2,390,183,500 | 305 |
| Average earning assets | $2,102,644,000 | 310 |
| Average equity | $228,122,500 | 313 |
| Average total loans | $1,682,569,000 | 292 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 4,189 |
| Cost of funding earning assets | 1.8844% | 3,539 |
| Net interest margin | 3.6065% | 4,527 |
| Noninterest income to average assets | 2.4652% | 277 |
| Noninterest expense to average assets | 5.3020% | 434 |
| Loan and lease loss provision to assets | 1.8011% | 1,254 |
| Net operating income to assets | -1.7570% | 6,993 |
| Return on assets (ROA) | -1.7197% | 6,977 |
| Pretax return on assets | -1.3781% | 6,638 |
| Return on Equity (ROE) | -17.2040% | 7,041 |
| Retained earnings to average equity (ytd only) | -17.2040% | 6,996 |
| Net charge-offs to loans | 2.7318% | 825 |
| Credit loss provision to net charge-offs | 91.5298% | 5,951 |
| Earnings coverage of net charge-offs (x) | 0.1960% | 5,946 |
| Efficiency ratio | 51.9612% | 7,388 |
| Assets per employee ($millions) | 3.9388% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 1,846 |
| Loan loss allowance to noncurrent loans | 29.9625% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 6.3452% | 873 |
| Noncurrent loans to loans | 6.9644% | 806 |
| Net loans and leases to total assets | 69.2675% | 3,422 |
| Net loans and leases to deposits | 78.8384% | 4,207 |
| Net loans and leases to core deposits | 103.3202% | 3,646 |
| Total domestic deposits to total assets | 87.8601% | 2,035 |
| Equity capital to assets | 9.4339% | 4,509 |
| Core capital (leverage) ratio | 9.6078% | 3,587 |
| Tier 1 risk-based capital ratio | 13.2513% | 3,984 |
| Total risk-based capital ratio | 14.5105% | 3,922 |
| Memoranda: | ||
| Average total assets | $2,335,748,000 | 309 |
| Average earning assets | $2,086,983,800 | 316 |
| Average equity | $233,486,200 | 308 |
| Average total loans | $1,682,418,000 | 304 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5741% | 4,010 |
| Cost of funding earning assets | 2.0296% | 3,221 |
| Net interest margin | 3.5445% | 4,691 |
| Noninterest income to average assets | 0.7791% | 2,555 |
| Noninterest expense to average assets | 2.7389% | 5,152 |
| Loan and lease loss provision to assets | 1.4750% | 1,302 |
| Net operating income to assets | -0.1584% | 5,999 |
| Return on assets (ROA) | -0.1291% | 5,971 |
| Pretax return on assets | -0.2121% | 5,997 |
| Return on Equity (ROE) | -1.2729% | 5,981 |
| Retained earnings to average equity (ytd only) | -1.2729% | 5,551 |
| Net charge-offs to loans | 1.8555% | 1,087 |
| Credit loss provision to net charge-offs | 109.8477% | 4,630 |
| Earnings coverage of net charge-offs (x) | 0.9065% | 5,150 |
| Efficiency ratio | 69.2329% | 4,738 |
| Assets per employee ($millions) | 3.7438% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5380% | 1,025 |
| Loan loss allowance to noncurrent loans | 49.9791% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 4.7519% | 1,249 |
| Noncurrent loans to loans | 5.0782% | 1,282 |
| Net loans and leases to total assets | 72.3105% | 2,952 |
| Net loans and leases to deposits | 83.2282% | 3,791 |
| Net loans and leases to core deposits | 105.7934% | 3,724 |
| Total domestic deposits to total assets | 86.8822% | 2,244 |
| Equity capital to assets | 11.3210% | 2,728 |
| Core capital (leverage) ratio | 8.6877% | 5,152 |
| Tier 1 risk-based capital ratio | 11.2518% | 5,689 |
| Total risk-based capital ratio | 12.4840% | 5,659 |
| Memoranda: | ||
| Average total assets | $2,314,098,750 | 323 |
| Average earning assets | $2,074,100,500 | 331 |
| Average equity | $234,727,500 | 313 |
| Average total loans | $1,674,608,500 | 320 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 4,206 |
| Cost of funding earning assets | 2.1655% | 2,958 |
| Net interest margin | 3.4060% | 5,138 |
| Noninterest income to average assets | 0.8354% | 2,246 |
| Noninterest expense to average assets | 2.8274% | 4,840 |
| Loan and lease loss provision to assets | 1.4769% | 1,166 |
| Net operating income to assets | -0.2677% | 6,286 |
| Return on assets (ROA) | -0.2219% | 6,241 |
| Pretax return on assets | -0.3352% | 6,267 |
| Return on Equity (ROE) | -2.2708% | 6,262 |
| Retained earnings to average equity (ytd only) | -2.2708% | 5,805 |
| Net charge-offs to loans | 1.4217% | 1,322 |
| Credit loss provision to net charge-offs | 144.7140% | 3,202 |
| Earnings coverage of net charge-offs (x) | 1.0506% | 4,737 |
| Efficiency ratio | 72.5040% | 4,311 |
| Assets per employee ($millions) | 3.8701% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6832% | 762 |
| Loan loss allowance to noncurrent loans | 65.3490% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 3.8622% | 1,564 |
| Noncurrent loans to loans | 4.1059% | 1,626 |
| Net loans and leases to total assets | 71.5966% | 3,322 |
| Net loans and leases to deposits | 80.5835% | 4,464 |
| Net loans and leases to core deposits | 106.8243% | 3,742 |
| Total domestic deposits to total assets | 88.8477% | 1,352 |
| Equity capital to assets | 9.8991% | 4,086 |
| Core capital (leverage) ratio | 7.3958% | 7,138 |
| Tier 1 risk-based capital ratio | 9.6266% | 7,294 |
| Total risk-based capital ratio | 10.8939% | 7,229 |
| Memoranda: | ||
| Average total assets | $2,342,952,330 | 328 |
| Average earning assets | $2,107,856,330 | 329 |
| Average equity | $228,910,000 | 323 |
| Average total loans | $1,681,915,000 | 325 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 4,671 |
| Cost of funding earning assets | 2.3825% | 2,365 |
| Net interest margin | 3.1619% | 5,978 |
| Noninterest income to average assets | 0.8685% | 1,996 |
| Noninterest expense to average assets | 2.5952% | 5,471 |
| Loan and lease loss provision to assets | 1.3327% | 961 |
| Net operating income to assets | -0.1135% | 6,434 |
| Return on assets (ROA) | -0.0366% | 6,442 |
| Pretax return on assets | -0.0938% | 6,471 |
| Return on Equity (ROE) | -0.3765% | 6,454 |
| Retained earnings to average equity (ytd only) | -0.3765% | 5,738 |
| Net charge-offs to loans | 1.2223% | 1,141 |
| Credit loss provision to net charge-offs | 153.7206% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.2903% | 4,095 |
| Efficiency ratio | 69.8794% | 4,609 |
| Assets per employee ($millions) | 3.9326% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5356% | 739 |
| Loan loss allowance to noncurrent loans | 64.2337% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 3.5017% | 1,536 |
| Noncurrent loans to loans | 3.9474% | 1,536 |
| Net loans and leases to total assets | 69.5659% | 3,786 |
| Net loans and leases to deposits | 78.3418% | 4,869 |
| Net loans and leases to core deposits | 112.7103% | 3,141 |
| Total domestic deposits to total assets | 88.7979% | 1,342 |
| Equity capital to assets | 9.8289% | 4,208 |
| Core capital (leverage) ratio | 7.2727% | 7,404 |
| Tier 1 risk-based capital ratio | 9.7923% | 7,149 |
| Total risk-based capital ratio | 11.0578% | 7,036 |
| Memoranda: | ||
| Average total assets | $2,374,676,000 | 327 |
| Average earning assets | $2,136,920,500 | 327 |
| Average equity | $230,540,000 | 323 |
| Average total loans | $1,684,350,000 | 325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4717% | 3,109 |
| Cost of funding earning assets | 2.7052% | 3,140 |
| Net interest margin | 3.7665% | 4,151 |
| Noninterest income to average assets | 0.8261% | 2,378 |
| Noninterest expense to average assets | 2.8188% | 4,744 |
| Loan and lease loss provision to assets | 1.5804% | 838 |
| Net operating income to assets | -0.1154% | 6,517 |
| Return on assets (ROA) | -0.1063% | 6,355 |
| Pretax return on assets | -0.1707% | 6,347 |
| Return on Equity (ROE) | -1.0018% | 6,364 |
| Retained earnings to average equity (ytd only) | -3.4256% | 6,214 |
| Net charge-offs to loans | 1.3833% | 851 |
| Credit loss provision to net charge-offs | 152.1786% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.3437% | 5,455 |
| Efficiency ratio | 65.6339% | 5,203 |
| Assets per employee ($millions) | 4.0497% | 3,412 |
| Cash dividends to net income (ytd only)* | -241.9355% | 8,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3383% | 808 |
| Loan loss allowance to noncurrent loans | 60.6170% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 2.9901% | 1,536 |
| Noncurrent loans to loans | 3.8575% | 1,285 |
| Net loans and leases to total assets | 68.8467% | 4,290 |
| Net loans and leases to deposits | 80.0750% | 5,035 |
| Net loans and leases to core deposits | 118.9860% | 2,789 |
| Total domestic deposits to total assets | 85.9779% | 2,415 |
| Equity capital to assets | 9.5908% | 4,557 |
| Core capital (leverage) ratio | 7.2454% | 7,477 |
| Tier 1 risk-based capital ratio | 9.1527% | 7,663 |
| Total risk-based capital ratio | 10.4143% | 7,615 |
| Memoranda: | ||
| Average total assets | $2,216,465,400 | 326 |
| Average earning assets | $1,993,887,400 | 332 |
| Average equity | $235,169,200 | 322 |
| Average total loans | $1,664,104,000 | 324 |