Home > Central Pacific Bank > Performance and Condition Ratios
Central Pacific 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 | 4.0574% | 3,872 |
| Cost of funding earning assets | 0.9460% | 3,419 |
| Net interest margin | 3.1115% | 3,074 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.1478% | 3,260 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.8955% | 2,565 |
| Return on assets (ROA) | 0.8738% | 2,595 |
| Pretax return on assets | 1.1490% | 2,266 |
| Return on Equity (ROE) | 11.9300% | 1,969 |
| Retained earnings to average equity (ytd only) | 4.2331% | 2,880 |
| Net charge-offs to loans | 0.2726% | 391 |
| Credit loss provision to net charge-offs | 101.3033% | 1,824 |
| Earnings coverage of net charge-offs (x) | 6.9473% | 2,438 |
| Efficiency ratio | 60.8041% | 2,989 |
| Assets per employee ($millions) | 10.5956% | 600 |
| Cash dividends to net income (ytd only)* | 64.5171% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,438 |
| Loan loss allowance to noncurrent loans | 768.4375% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,814 |
| Noncurrent loans to loans | 0.1529% | 2,750 |
| Net loans and leases to total assets | 70.4800% | 1,753 |
| Net loans and leases to deposits | 78.2693% | 2,239 |
| Net loans and leases to core deposits | 89.4906% | 2,089 |
| Total domestic deposits to total assets | 90.0500% | 744 |
| Equity capital to assets | 7.5975% | 3,659 |
| Core capital (leverage) ratio | 9.2282% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1289% | 1,826 |
| Memoranda: | ||
| Average total assets | $7,546,322,600 | 202 |
| Average earning assets | $6,966,426,400 | 195 |
| Average equity | $552,686,600 | 248 |
| Average total loans | $5,517,342,800 | 192 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,837 |
| Cost of funding earning assets | 0.8581% | 3,378 |
| Net interest margin | 3.1470% | 3,036 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.1357% | 3,246 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.8657% | 2,813 |
| Return on assets (ROA) | 0.8638% | 2,800 |
| Pretax return on assets | 1.1420% | 2,453 |
| Return on Equity (ROE) | 11.9100% | 2,147 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,303 |
| Net charge-offs to loans | 0.2287% | 387 |
| Credit loss provision to net charge-offs | 108.2026% | 1,561 |
| Earnings coverage of net charge-offs (x) | 7.9645% | 2,213 |
| Efficiency ratio | 61.4453% | 2,791 |
| Assets per employee ($millions) | 10.4292% | 589 |
| Cash dividends to net income (ytd only)* | 67.7818% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,511 |
| Loan loss allowance to noncurrent loans | 674.4407% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,723 |
| Noncurrent loans to loans | 0.1737% | 2,672 |
| Net loans and leases to total assets | 71.4100% | 1,645 |
| Net loans and leases to deposits | 78.9459% | 2,150 |
| Net loans and leases to core deposits | 90.5582% | 1,895 |
| Total domestic deposits to total assets | 90.4600% | 824 |
| Equity capital to assets | 7.1482% | 3,544 |
| Core capital (leverage) ratio | 9.1318% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6691% | 2,020 |
| Memoranda: | ||
| Average total assets | $7,525,698,750 | 203 |
| Average earning assets | $6,942,375,500 | 197 |
| Average equity | $545,958,000 | 251 |
| Average total loans | $5,536,488,500 | 188 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 3,807 |
| Cost of funding earning assets | 0.7506% | 3,347 |
| Net interest margin | 3.1895% | 3,016 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.1774% | 3,144 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.9008% | 2,751 |
| Return on assets (ROA) | 0.9008% | 2,738 |
| Pretax return on assets | 1.1861% | 2,395 |
| Return on Equity (ROE) | 12.3600% | 2,053 |
| Retained earnings to average equity (ytd only) | 3.7328% | 3,273 |
| Net charge-offs to loans | 0.2034% | 394 |
| Credit loss provision to net charge-offs | 101.9684% | 1,430 |
| Earnings coverage of net charge-offs (x) | 8.9746% | 2,037 |
| Efficiency ratio | 61.7137% | 2,748 |
| Assets per employee ($millions) | 10.0302% | 665 |
| Cash dividends to net income (ytd only)* | 69.7896% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,681 |
| Loan loss allowance to noncurrent loans | 444.6309% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,246 |
| Noncurrent loans to loans | 0.2600% | 2,229 |
| Net loans and leases to total assets | 72.2800% | 1,498 |
| Net loans and leases to deposits | 79.9967% | 1,980 |
| Net loans and leases to core deposits | 90.9797% | 1,738 |
| Total domestic deposits to total assets | 90.3600% | 824 |
| Equity capital to assets | 7.3314% | 3,620 |
| Core capital (leverage) ratio | 9.0978% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4911% | 2,099 |
| Memoranda: | ||
| Average total assets | $7,493,025,333 | 196 |
| Average earning assets | $6,910,030,000 | 190 |
| Average equity | $546,290,000 | 246 |
| Average total loans | $5,545,748,000 | 181 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 3,714 |
| Cost of funding earning assets | 0.6387% | 3,266 |
| Net interest margin | 3.2414% | 3,014 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.2421% | 2,979 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9554% | 2,669 |
| Return on assets (ROA) | 0.9554% | 2,633 |
| Pretax return on assets | 1.2586% | 2,280 |
| Return on Equity (ROE) | 13.1400% | 1,958 |
| Retained earnings to average equity (ytd only) | 3.1391% | 3,476 |
| Net charge-offs to loans | 0.1622% | 434 |
| Credit loss provision to net charge-offs | 71.6504% | 1,241 |
| Earnings coverage of net charge-offs (x) | 11.2396% | 1,641 |
| Efficiency ratio | 62.2815% | 2,654 |
| Assets per employee ($millions) | 9.7618% | 750 |
| Cash dividends to net income (ytd only)* | 76.1122% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,878 |
| Loan loss allowance to noncurrent loans | 873.8263% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 2,857 |
| Noncurrent loans to loans | 0.1299% | 2,860 |
| Net loans and leases to total assets | 73.1900% | 1,300 |
| Net loans and leases to deposits | 81.2150% | 1,726 |
| Net loans and leases to core deposits | 91.7248% | 1,519 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 7.3311% | 3,656 |
| Core capital (leverage) ratio | 9.0154% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2094% | 2,297 |
| Memoranda: | ||
| Average total assets | $7,463,160,500 | 202 |
| Average earning assets | $6,887,366,500 | 195 |
| Average equity | $542,574,000 | 251 |
| Average total loans | $5,556,984,000 | 186 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 3,283 |
| Cost of funding earning assets | 0.1791% | 3,917 |
| Net interest margin | 3.2459% | 2,716 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.2492% | 2,897 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.9867% | 2,617 |
| Return on assets (ROA) | 1.0782% | 2,214 |
| Pretax return on assets | 1.4425% | 1,652 |
| Return on Equity (ROE) | 14.1300% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.6669% | 2,764 |
| Net charge-offs to loans | 0.0875% | 796 |
| Credit loss provision to net charge-offs | 6.1975% | 1,965 |
| Earnings coverage of net charge-offs (x) | 20.6957% | 1,876 |
| Efficiency ratio | 63.2047% | 2,604 |
| Assets per employee ($millions) | 9.7369% | 734 |
| Cash dividends to net income (ytd only)* | 59.8886% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 2,662 |
| Loan loss allowance to noncurrent loans | 899.1113% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 2,878 |
| Noncurrent loans to loans | 0.1276% | 2,874 |
| Net loans and leases to total assets | 74.0300% | 1,214 |
| Net loans and leases to deposits | 81.3375% | 1,670 |
| Net loans and leases to core deposits | 90.1635% | 1,493 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 7.2082% | 3,547 |
| Core capital (leverage) ratio | 8.9869% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1219% | 2,320 |
| Memoranda: | ||
| Average total assets | $7,344,970,400 | 203 |
| Average earning assets | $6,792,865,200 | 198 |
| Average equity | $560,538,600 | 251 |
| Average total loans | $5,313,469,200 | 185 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2963% | 3,186 |
| Cost of funding earning assets | 0.0961% | 4,313 |
| Net interest margin | 3.2001% | 2,622 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.2767% | 2,696 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.9158% | 2,812 |
| Return on assets (ROA) | 1.0381% | 2,298 |
| Pretax return on assets | 1.3903% | 1,742 |
| Return on Equity (ROE) | 13.4100% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.5510% | 2,910 |
| Net charge-offs to loans | 0.0754% | 774 |
| Credit loss provision to net charge-offs | -25.0421% | 4,620 |
| Earnings coverage of net charge-offs (x) | 22.2302% | 1,672 |
| Efficiency ratio | 65.4477% | 2,350 |
| Assets per employee ($millions) | 9.5879% | 737 |
| Cash dividends to net income (ytd only)* | 58.6175% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,599 |
| Loan loss allowance to noncurrent loans | 1,070.3574% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,092 |
| Noncurrent loans to loans | 0.1109% | 3,096 |
| Net loans and leases to total assets | 73.1700% | 1,167 |
| Net loans and leases to deposits | 81.5391% | 1,479 |
| Net loans and leases to core deposits | 88.5454% | 1,387 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 7.1174% | 3,446 |
| Core capital (leverage) ratio | 9.1125% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3771% | 2,327 |
| Memoranda: | ||
| Average total assets | $7,326,329,750 | 207 |
| Average earning assets | $6,779,980,500 | 199 |
| Average equity | $566,969,000 | 253 |
| Average total loans | $5,252,693,750 | 185 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 3,120 |
| Cost of funding earning assets | 0.0549% | 4,566 |
| Net interest margin | 3.1219% | 2,469 |
| Noninterest income to average assets | 0.5113% | 2,137 |
| Noninterest expense to average assets | 2.2829% | 2,598 |
| Loan and lease loss provision to assets | -0.0602% | 4,538 |
| Net operating income to assets | 0.8801% | 2,668 |
| Return on assets (ROA) | 1.0635% | 1,895 |
| Pretax return on assets | 1.4167% | 1,389 |
| Return on Equity (ROE) | 13.3844% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.3290% | 2,578 |
| Net charge-offs to loans | 0.0543% | 849 |
| Credit loss provision to net charge-offs | -104.5358% | 3,113 |
| Earnings coverage of net charge-offs (x) | 29.1885% | 1,403 |
| Efficiency ratio | 67.0032% | 2,386 |
| Assets per employee ($millions) | 9.4142% | 777 |
| Cash dividends to net income (ytd only)* | 60.1848% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,530 |
| Loan loss allowance to noncurrent loans | 1,063.1073% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 3,138 |
| Noncurrent loans to loans | 0.1157% | 3,159 |
| Net loans and leases to total assets | 71.8712% | 1,116 |
| Net loans and leases to deposits | 78.8675% | 1,479 |
| Net loans and leases to core deposits | 84.8261% | 1,404 |
| Total domestic deposits to total assets | 91.1290% | 1,171 |
| Equity capital to assets | 7.3572% | 3,558 |
| Core capital (leverage) ratio | 9.0228% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4588% | 2,300 |
| Memoranda: | ||
| Average total assets | $7,326,719,667 | 202 |
| Average earning assets | $6,796,183,667 | 197 |
| Average equity | $582,171,333 | 245 |
| Average total loans | $5,195,620,667 | 184 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0932% | 2,996 |
| Cost of funding earning assets | 0.0532% | 4,572 |
| Net interest margin | 3.0400% | 2,366 |
| Noninterest income to average assets | 0.5372% | 1,959 |
| Noninterest expense to average assets | 2.0588% | 3,276 |
| Loan and lease loss provision to assets | -0.1740% | 4,671 |
| Net operating income to assets | 1.1276% | 1,447 |
| Return on assets (ROA) | 1.1275% | 1,442 |
| Pretax return on assets | 1.4821% | 1,050 |
| Return on Equity (ROE) | 13.6864% | 894 |
| Retained earnings to average equity (ytd only) | 7.7401% | 1,656 |
| Net charge-offs to loans | 0.0320% | 983 |
| Credit loss provision to net charge-offs | -711.4078% | 3,203 |
| Earnings coverage of net charge-offs (x) | 58.3228% | 860 |
| Efficiency ratio | 61.1452% | 3,365 |
| Assets per employee ($millions) | 9.3896% | 798 |
| Cash dividends to net income (ytd only)* | 43.4470% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,603 |
| Loan loss allowance to noncurrent loans | 972.2823% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,167 |
| Noncurrent loans to loans | 0.1286% | 3,170 |
| Net loans and leases to total assets | 70.1969% | 1,001 |
| Net loans and leases to deposits | 77.3262% | 1,340 |
| Net loans and leases to core deposits | 83.3493% | 1,279 |
| Total domestic deposits to total assets | 90.7803% | 1,145 |
| Equity capital to assets | 7.8418% | 3,689 |
| Core capital (leverage) ratio | 8.9868% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8329% | 2,292 |
| Memoranda: | ||
| Average total assets | $7,346,784,000 | 199 |
| Average earning assets | $6,839,057,500 | 196 |
| Average equity | $605,212,500 | 240 |
| Average total loans | $5,142,347,000 | 187 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 3,109 |
| Cost of funding earning assets | 0.0551% | 4,663 |
| Net interest margin | 3.2760% | 2,381 |
| Noninterest income to average assets | 0.6195% | 2,078 |
| Noninterest expense to average assets | 2.2661% | 2,897 |
| Loan and lease loss provision to assets | -0.2059% | 4,708 |
| Net operating income to assets | 1.2047% | 1,906 |
| Return on assets (ROA) | 1.2064% | 1,950 |
| Pretax return on assets | 1.5977% | 1,427 |
| Return on Equity (ROE) | 13.4100% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.9361% | 2,804 |
| Net charge-offs to loans | 0.0167% | 1,957 |
| Credit loss provision to net charge-offs | -1,709.0695% | 4,026 |
| Earnings coverage of net charge-offs (x) | 115.9788% | 804 |
| Efficiency ratio | 61.9871% | 2,871 |
| Assets per employee ($millions) | 9.4120% | 803 |
| Cash dividends to net income (ytd only)* | 63.1907% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 2,216 |
| Loan loss allowance to noncurrent loans | 940.0469% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,254 |
| Noncurrent loans to loans | 0.1419% | 3,227 |
| Net loans and leases to total assets | 68.0019% | 1,267 |
| Net loans and leases to deposits | 75.6404% | 1,593 |
| Net loans and leases to core deposits | 81.5329% | 1,489 |
| Total domestic deposits to total assets | 89.9015% | 1,005 |
| Equity capital to assets | 8.6273% | 3,961 |
| Core capital (leverage) ratio | 8.9182% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0360% | 2,234 |
| Memoranda: | ||
| Average total assets | $7,085,523,000 | 205 |
| Average earning assets | $6,567,215,600 | 199 |
| Average equity | $637,441,000 | 233 |
| Average total loans | $5,072,565,800 | 188 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 3,195 |
| Cost of funding earning assets | 0.0553% | 4,756 |
| Net interest margin | 3.3131% | 2,379 |
| Noninterest income to average assets | 0.6127% | 2,160 |
| Noninterest expense to average assets | 2.2644% | 2,852 |
| Loan and lease loss provision to assets | -0.1313% | 4,664 |
| Net operating income to assets | 1.1712% | 2,269 |
| Return on assets (ROA) | 1.1734% | 2,319 |
| Pretax return on assets | 1.5472% | 1,857 |
| Return on Equity (ROE) | 12.9035% | 1,722 |
| Retained earnings to average equity (ytd only) | 5.8907% | 2,876 |
| Net charge-offs to loans | 0.0468% | 1,193 |
| Credit loss provision to net charge-offs | -399.3806% | 3,586 |
| Earnings coverage of net charge-offs (x) | 41.8018% | 1,342 |
| Efficiency ratio | 61.5757% | 2,758 |
| Assets per employee ($millions) | 9.1069% | 859 |
| Cash dividends to net income (ytd only)* | 54.3486% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,722 |
| Loan loss allowance to noncurrent loans | 950.5161% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,388 |
| Noncurrent loans to loans | 0.1554% | 3,348 |
| Net loans and leases to total assets | 68.3065% | 1,285 |
| Net loans and leases to deposits | 76.2173% | 1,649 |
| Net loans and leases to core deposits | 81.5106% | 1,609 |
| Total domestic deposits to total assets | 89.6207% | 954 |
| Equity capital to assets | 8.8114% | 3,990 |
| Core capital (leverage) ratio | 9.0232% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2474% | 2,278 |
| Memoranda: | ||
| Average total assets | $7,005,086,750 | 206 |
| Average earning assets | $6,479,973,750 | 203 |
| Average equity | $637,038,750 | 233 |
| Average total loans | $5,064,412,250 | 189 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3099% | 3,399 |
| Cost of funding earning assets | 0.0571% | 4,793 |
| Net interest margin | 3.2528% | 2,604 |
| Noninterest income to average assets | 0.6288% | 2,089 |
| Noninterest expense to average assets | 2.2536% | 2,908 |
| Loan and lease loss provision to assets | -0.1234% | 4,668 |
| Net operating income to assets | 1.1470% | 2,380 |
| Return on assets (ROA) | 1.1482% | 2,436 |
| Pretax return on assets | 1.5070% | 1,993 |
| Return on Equity (ROE) | 12.4891% | 1,881 |
| Retained earnings to average equity (ytd only) | 6.0340% | 2,787 |
| Net charge-offs to loans | 0.0612% | 999 |
| Credit loss provision to net charge-offs | -265.8930% | 3,287 |
| Earnings coverage of net charge-offs (x) | 30.7969% | 1,296 |
| Efficiency ratio | 61.9837% | 2,728 |
| Assets per employee ($millions) | 8.8214% | 914 |
| Cash dividends to net income (ytd only)* | 51.6861% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,491 |
| Loan loss allowance to noncurrent loans | 935.7676% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 3,462 |
| Noncurrent loans to loans | 0.1635% | 3,396 |
| Net loans and leases to total assets | 69.7862% | 1,225 |
| Net loans and leases to deposits | 78.0793% | 1,617 |
| Net loans and leases to core deposits | 85.7282% | 1,437 |
| Total domestic deposits to total assets | 89.3786% | 1,093 |
| Equity capital to assets | 8.9189% | 3,870 |
| Core capital (leverage) ratio | 9.0985% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5685% | 2,136 |
| Memoranda: | ||
| Average total assets | $6,911,600,333 | 207 |
| Average earning assets | $6,389,257,333 | 205 |
| Average equity | $635,399,667 | 233 |
| Average total loans | $5,068,854,000 | 190 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 3,436 |
| Cost of funding earning assets | 0.0607% | 4,822 |
| Net interest margin | 3.2451% | 2,561 |
| Noninterest income to average assets | 0.6462% | 2,044 |
| Noninterest expense to average assets | 2.1635% | 3,225 |
| Loan and lease loss provision to assets | -0.0484% | 4,652 |
| Net operating income to assets | 1.1702% | 2,265 |
| Return on assets (ROA) | 1.1702% | 2,334 |
| Pretax return on assets | 1.5293% | 1,920 |
| Return on Equity (ROE) | 12.5310% | 1,823 |
| Retained earnings to average equity (ytd only) | 7.7880% | 2,318 |
| Net charge-offs to loans | 0.0586% | 931 |
| Credit loss provision to net charge-offs | -131.2668% | 2,872 |
| Earnings coverage of net charge-offs (x) | 33.8356% | 1,045 |
| Efficiency ratio | 59.3655% | 3,104 |
| Assets per employee ($millions) | 8.5443% | 971 |
| Cash dividends to net income (ytd only)* | 37.8497% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,333 |
| Loan loss allowance to noncurrent loans | 680.8566% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,311 |
| Noncurrent loans to loans | 0.2329% | 3,271 |
| Net loans and leases to total assets | 72.5965% | 943 |
| Net loans and leases to deposits | 81.3664% | 1,389 |
| Net loans and leases to core deposits | 91.0610% | 1,166 |
| Total domestic deposits to total assets | 89.2217% | 1,219 |
| Equity capital to assets | 9.0487% | 3,632 |
| Core capital (leverage) ratio | 9.4182% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0152% | 1,895 |
| Memoranda: | ||
| Average total assets | $6,781,519,500 | 212 |
| Average earning assets | $6,265,532,500 | 209 |
| Average equity | $633,279,500 | 231 |
| Average total loans | $5,061,941,500 | 193 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 3,837 |
| Cost of funding earning assets | 0.2135% | 4,536 |
| Net interest margin | 3.3743% | 2,855 |
| Noninterest income to average assets | 0.7149% | 1,814 |
| Noninterest expense to average assets | 2.4056% | 3,118 |
| Loan and lease loss provision to assets | 0.6118% | 322 |
| Net operating income to assets | 0.6268% | 3,662 |
| Return on assets (ROA) | 0.6243% | 3,792 |
| Pretax return on assets | 0.8191% | 3,583 |
| Return on Equity (ROE) | 6.8116% | 3,278 |
| Retained earnings to average equity (ytd only) | 2.7134% | 3,504 |
| Net charge-offs to loans | 0.1498% | 1,085 |
| Credit loss provision to net charge-offs | 543.4426% | 1,188 |
| Earnings coverage of net charge-offs (x) | 12.7370% | 2,314 |
| Efficiency ratio | 62.6521% | 3,026 |
| Assets per employee ($millions) | 8.1369% | 989 |
| Cash dividends to net income (ytd only)* | 60.1654% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,102 |
| Loan loss allowance to noncurrent loans | 1,189.7271% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,764 |
| Noncurrent loans to loans | 0.1405% | 3,720 |
| Net loans and leases to total assets | 74.3075% | 983 |
| Net loans and leases to deposits | 84.3357% | 1,419 |
| Net loans and leases to core deposits | 95.1442% | 1,173 |
| Total domestic deposits to total assets | 88.1092% | 1,425 |
| Equity capital to assets | 9.6447% | 3,462 |
| Core capital (leverage) ratio | 9.4090% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8457% | 1,908 |
| Memoranda: | ||
| Average total assets | $6,393,332,000 | 208 |
| Average earning assets | $5,920,469,600 | 203 |
| Average equity | $585,984,800 | 232 |
| Average total loans | $4,804,760,000 | 194 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 4,020 |
| Cost of funding earning assets | 0.2516% | 4,505 |
| Net interest margin | 3.3434% | 3,061 |
| Noninterest income to average assets | 0.6783% | 1,863 |
| Noninterest expense to average assets | 2.3191% | 3,370 |
| Loan and lease loss provision to assets | 0.7276% | 279 |
| Net operating income to assets | 0.5530% | 3,903 |
| Return on assets (ROA) | 0.5473% | 4,006 |
| Pretax return on assets | 0.7228% | 3,850 |
| Return on Equity (ROE) | 6.0539% | 3,535 |
| Retained earnings to average equity (ytd only) | 0.4714% | 4,390 |
| Net charge-offs to loans | 0.1520% | 962 |
| Credit loss provision to net charge-offs | 637.7049% | 1,132 |
| Earnings coverage of net charge-offs (x) | 12.7745% | 2,230 |
| Efficiency ratio | 61.4056% | 3,157 |
| Assets per employee ($millions) | 8.3131% | 903 |
| Cash dividends to net income (ytd only)* | 92.2129% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,119 |
| Loan loss allowance to noncurrent loans | 576.6180% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,381 |
| Noncurrent loans to loans | 0.2763% | 3,303 |
| Net loans and leases to total assets | 74.8857% | 1,256 |
| Net loans and leases to deposits | 87.4382% | 1,546 |
| Net loans and leases to core deposits | 99.0770% | 1,234 |
| Total domestic deposits to total assets | 85.6442% | 2,203 |
| Equity capital to assets | 8.7090% | 4,321 |
| Core capital (leverage) ratio | 8.5608% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5602% | 2,386 |
| Memoranda: | ||
| Average total assets | $6,343,940,000 | 205 |
| Average earning assets | $5,878,921,750 | 201 |
| Average equity | $573,562,750 | 237 |
| Average total loans | $4,760,750,000 | 192 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 4,113 |
| Cost of funding earning assets | 0.3037% | 4,468 |
| Net interest margin | 3.3842% | 3,150 |
| Noninterest income to average assets | 0.6433% | 1,963 |
| Noninterest expense to average assets | 2.3506% | 3,397 |
| Loan and lease loss provision to assets | 0.6396% | 468 |
| Net operating income to assets | 0.5998% | 3,739 |
| Return on assets (ROA) | 0.6002% | 3,814 |
| Pretax return on assets | 0.7915% | 3,613 |
| Return on Equity (ROE) | 6.5536% | 3,307 |
| Retained earnings to average equity (ytd only) | 0.6081% | 4,184 |
| Net charge-offs to loans | 0.1787% | 840 |
| Credit loss provision to net charge-offs | 479.2177% | 1,267 |
| Earnings coverage of net charge-offs (x) | 10.7190% | 2,136 |
| Efficiency ratio | 62.1661% | 3,102 |
| Assets per employee ($millions) | 7.9556% | 985 |
| Cash dividends to net income (ytd only)* | 90.7209% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,812 |
| Loan loss allowance to noncurrent loans | 1,139.2150% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,085 |
| Noncurrent loans to loans | 0.1179% | 3,979 |
| Net loans and leases to total assets | 74.6417% | 1,325 |
| Net loans and leases to deposits | 85.2386% | 1,853 |
| Net loans and leases to core deposits | 96.4408% | 1,543 |
| Total domestic deposits to total assets | 87.5679% | 1,395 |
| Equity capital to assets | 8.7548% | 4,308 |
| Core capital (leverage) ratio | 8.7376% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3176% | 2,476 |
| Memoranda: | ||
| Average total assets | $6,244,526,667 | 204 |
| Average earning assets | $5,789,944,333 | 199 |
| Average equity | $571,928,667 | 237 |
| Average total loans | $4,662,804,000 | 191 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 4,153 |
| Cost of funding earning assets | 0.3908% | 4,389 |
| Net interest margin | 3.4484% | 3,154 |
| Noninterest income to average assets | 0.6012% | 2,038 |
| Noninterest expense to average assets | 2.4563% | 3,401 |
| Loan and lease loss provision to assets | 0.6165% | 445 |
| Net operating income to assets | 0.5398% | 3,777 |
| Return on assets (ROA) | 0.5399% | 3,836 |
| Pretax return on assets | 0.7225% | 3,618 |
| Return on Equity (ROE) | 5.7555% | 3,404 |
| Retained earnings to average equity (ytd only) | -0.5826% | 4,089 |
| Net charge-offs to loans | 0.1088% | 1,040 |
| Credit loss provision to net charge-offs | 764.0459% | 679 |
| Earnings coverage of net charge-offs (x) | 16.5946% | 1,520 |
| Efficiency ratio | 64.7212% | 3,116 |
| Assets per employee ($millions) | 7.2654% | 975 |
| Cash dividends to net income (ytd only)* | 110.1224% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,049 |
| Loan loss allowance to noncurrent loans | 1,164.9414% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,178 |
| Noncurrent loans to loans | 0.1134% | 4,068 |
| Net loans and leases to total assets | 73.0183% | 1,778 |
| Net loans and leases to deposits | 86.6361% | 1,917 |
| Net loans and leases to core deposits | 100.9950% | 1,399 |
| Total domestic deposits to total assets | 84.2816% | 2,679 |
| Equity capital to assets | 9.3585% | 4,347 |
| Core capital (leverage) ratio | 9.2957% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2078% | 2,617 |
| Memoranda: | ||
| Average total assets | $6,053,266,000 | 204 |
| Average earning assets | $5,606,748,000 | 197 |
| Average equity | $567,800,500 | 242 |
| Average total loans | $4,487,265,500 | 194 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 4,338 |
| Cost of funding earning assets | 0.5458% | 3,896 |
| Net interest margin | 3.4091% | 3,719 |
| Noninterest income to average assets | 0.7235% | 1,732 |
| Noninterest expense to average assets | 2.3729% | 3,759 |
| Loan and lease loss provision to assets | 0.1070% | 1,945 |
| Net operating income to assets | 1.0497% | 2,657 |
| Return on assets (ROA) | 1.0502% | 2,751 |
| Pretax return on assets | 1.4041% | 2,143 |
| Return on Equity (ROE) | 11.3665% | 1,738 |
| Retained earnings to average equity (ytd only) | 3.6636% | 3,163 |
| Net charge-offs to loans | 0.1472% | 1,341 |
| Credit loss provision to net charge-offs | 100.8783% | 2,450 |
| Earnings coverage of net charge-offs (x) | 14.2387% | 2,296 |
| Efficiency ratio | 61.1026% | 3,523 |
| Assets per employee ($millions) | 7.3125% | 931 |
| Cash dividends to net income (ytd only)* | 67.7680% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,078 |
| Loan loss allowance to noncurrent loans | 1,870.2144% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,414 |
| Noncurrent loans to loans | 0.0575% | 4,308 |
| Net loans and leases to total assets | 73.4669% | 1,845 |
| Net loans and leases to deposits | 85.9692% | 2,093 |
| Net loans and leases to core deposits | 100.7607% | 1,501 |
| Total domestic deposits to total assets | 85.4572% | 2,317 |
| Equity capital to assets | 9.4020% | 4,425 |
| Core capital (leverage) ratio | 9.3324% | 4,247 |
| Tier 1 risk-based capital ratio | 12.2958% | 4,188 |
| Total risk-based capital ratio | 13.3846% | 4,171 |
| Memoranda: | ||
| Average total assets | $5,902,678,800 | 201 |
| Average earning assets | $5,471,298,200 | 194 |
| Average equity | $545,359,000 | 234 |
| Average total loans | $4,255,517,000 | 196 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 4,465 |
| Cost of funding earning assets | 0.5678% | 3,829 |
| Net interest margin | 3.3775% | 3,922 |
| Noninterest income to average assets | 0.7395% | 1,625 |
| Noninterest expense to average assets | 2.3631% | 3,788 |
| Loan and lease loss provision to assets | 0.0957% | 2,001 |
| Net operating income to assets | 1.0618% | 2,730 |
| Return on assets (ROA) | 1.0625% | 2,807 |
| Pretax return on assets | 1.4126% | 2,258 |
| Return on Equity (ROE) | 11.5517% | 1,784 |
| Retained earnings to average equity (ytd only) | 3.6542% | 3,575 |
| Net charge-offs to loans | 0.1258% | 1,254 |
| Credit loss provision to net charge-offs | 106.3256% | 2,147 |
| Earnings coverage of net charge-offs (x) | 16.7467% | 2,126 |
| Efficiency ratio | 61.0534% | 3,466 |
| Assets per employee ($millions) | 7.1816% | 960 |
| Cash dividends to net income (ytd only)* | 68.3662% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,023 |
| Loan loss allowance to noncurrent loans | 4,266.3419% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,603 |
| Noncurrent loans to loans | 0.0258% | 4,562 |
| Net loans and leases to total assets | 72.5000% | 2,082 |
| Net loans and leases to deposits | 85.6894% | 2,232 |
| Net loans and leases to core deposits | 101.2984% | 1,562 |
| Total domestic deposits to total assets | 84.6078% | 2,576 |
| Equity capital to assets | 9.3838% | 4,540 |
| Core capital (leverage) ratio | 9.3524% | 4,325 |
| Tier 1 risk-based capital ratio | 12.3534% | 4,225 |
| Total risk-based capital ratio | 13.4655% | 4,185 |
| Memoranda: | ||
| Average total assets | $5,877,450,500 | 203 |
| Average earning assets | $5,448,575,500 | 197 |
| Average equity | $540,583,750 | 237 |
| Average total loans | $4,204,740,500 | 198 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 4,475 |
| Cost of funding earning assets | 0.5705% | 3,790 |
| Net interest margin | 3.3838% | 3,942 |
| Noninterest income to average assets | 0.7562% | 1,495 |
| Noninterest expense to average assets | 2.3700% | 3,818 |
| Loan and lease loss provision to assets | 0.0919% | 2,017 |
| Net operating income to assets | 1.0813% | 2,595 |
| Return on assets (ROA) | 1.0813% | 2,663 |
| Pretax return on assets | 1.4333% | 2,092 |
| Return on Equity (ROE) | 11.8377% | 1,646 |
| Retained earnings to average equity (ytd only) | 3.2166% | 3,617 |
| Net charge-offs to loans | 0.1126% | 1,291 |
| Credit loss provision to net charge-offs | 115.0257% | 1,801 |
| Earnings coverage of net charge-offs (x) | 19.0890% | 1,832 |
| Efficiency ratio | 60.8437% | 3,603 |
| Assets per employee ($millions) | 7.2706% | 892 |
| Cash dividends to net income (ytd only)* | 72.8276% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,877 |
| Loan loss allowance to noncurrent loans | 3,864.4516% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,651 |
| Noncurrent loans to loans | 0.0294% | 4,574 |
| Net loans and leases to total assets | 71.1502% | 2,351 |
| Net loans and leases to deposits | 84.2891% | 2,463 |
| Net loans and leases to core deposits | 99.7332% | 1,750 |
| Total domestic deposits to total assets | 84.4120% | 2,719 |
| Equity capital to assets | 9.2898% | 4,585 |
| Core capital (leverage) ratio | 9.2912% | 4,364 |
| Tier 1 risk-based capital ratio | 12.4555% | 4,153 |
| Total risk-based capital ratio | 13.6031% | 4,085 |
| Memoranda: | ||
| Average total assets | $5,847,307,670 | 204 |
| Average earning assets | $5,424,304,330 | 199 |
| Average equity | $534,107,670 | 240 |
| Average total loans | $4,148,028,000 | 200 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 4,491 |
| Cost of funding earning assets | 0.5461% | 3,843 |
| Net interest margin | 3.3913% | 3,913 |
| Noninterest income to average assets | 0.8096% | 1,275 |
| Noninterest expense to average assets | 2.3129% | 3,987 |
| Loan and lease loss provision to assets | 0.0882% | 1,947 |
| Net operating income to assets | 1.1774% | 2,140 |
| Return on assets (ROA) | 1.1774% | 2,191 |
| Pretax return on assets | 1.5567% | 1,588 |
| Return on Equity (ROE) | 13.0026% | 1,216 |
| Retained earnings to average equity (ytd only) | 3.8822% | 3,362 |
| Net charge-offs to loans | 0.1887% | 737 |
| Credit loss provision to net charge-offs | 66.4079% | 1,882 |
| Earnings coverage of net charge-offs (x) | 12.3784% | 1,872 |
| Efficiency ratio | 58.4383% | 4,015 |
| Assets per employee ($millions) | 7.1481% | 940 |
| Cash dividends to net income (ytd only)* | 70.1425% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 2,839 |
| Loan loss allowance to noncurrent loans | 1,467.4635% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 4,521 |
| Noncurrent loans to loans | 0.0785% | 4,410 |
| Net loans and leases to total assets | 69.5689% | 2,547 |
| Net loans and leases to deposits | 81.7514% | 2,635 |
| Net loans and leases to core deposits | 97.0119% | 1,853 |
| Total domestic deposits to total assets | 85.0982% | 2,650 |
| Equity capital to assets | 9.1418% | 4,584 |
| Core capital (leverage) ratio | 9.2611% | 4,395 |
| Tier 1 risk-based capital ratio | 12.6575% | 4,066 |
| Total risk-based capital ratio | 13.7997% | 4,012 |
| Memoranda: | ||
| Average total assets | $5,815,456,000 | 204 |
| Average earning assets | $5,398,651,500 | 199 |
| Average equity | $526,602,000 | 242 |
| Average total loans | $4,095,061,500 | 201 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,617 |
| Cost of funding earning assets | 0.3946% | 4,011 |
| Net interest margin | 3.3384% | 4,156 |
| Noninterest income to average assets | 0.6953% | 1,867 |
| Noninterest expense to average assets | 2.3503% | 3,991 |
| Loan and lease loss provision to assets | -0.0198% | 5,133 |
| Net operating income to assets | 1.1292% | 2,480 |
| Return on assets (ROA) | 1.1253% | 2,495 |
| Pretax return on assets | 1.4772% | 1,853 |
| Return on Equity (ROE) | 11.6175% | 1,856 |
| Retained earnings to average equity (ytd only) | -7.0752% | 5,281 |
| Net charge-offs to loans | 0.0246% | 2,914 |
| Credit loss provision to net charge-offs | -116.9615% | 4,412 |
| Earnings coverage of net charge-offs (x) | 86.5619% | 815 |
| Efficiency ratio | 60.7202% | 3,740 |
| Assets per employee ($millions) | 7.2026% | 898 |
| Cash dividends to net income (ytd only)* | 160.9014% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,706 |
| Loan loss allowance to noncurrent loans | 1,675.9706% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,562 |
| Noncurrent loans to loans | 0.0700% | 4,439 |
| Net loans and leases to total assets | 69.6282% | 2,625 |
| Net loans and leases to deposits | 81.3416% | 2,807 |
| Net loans and leases to core deposits | 97.5291% | 1,905 |
| Total domestic deposits to total assets | 85.5998% | 2,392 |
| Equity capital to assets | 8.9681% | 4,606 |
| Core capital (leverage) ratio | 9.2468% | 4,400 |
| Tier 1 risk-based capital ratio | 12.6609% | 4,042 |
| Total risk-based capital ratio | 13.8283% | 3,965 |
| Memoranda: | ||
| Average total assets | $5,688,548,800 | 202 |
| Average earning assets | $5,311,809,000 | 194 |
| Average equity | $551,023,800 | 231 |
| Average total loans | $3,913,753,200 | 206 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,686 |
| Cost of funding earning assets | 0.3637% | 4,092 |
| Net interest margin | 3.3174% | 4,233 |
| Noninterest income to average assets | 0.6983% | 1,869 |
| Noninterest expense to average assets | 2.3659% | 3,937 |
| Loan and lease loss provision to assets | 0.0062% | 3,851 |
| Net operating income to assets | 1.1047% | 2,644 |
| Return on assets (ROA) | 1.1048% | 2,656 |
| Pretax return on assets | 1.4242% | 2,139 |
| Return on Equity (ROE) | 11.1928% | 2,098 |
| Retained earnings to average equity (ytd only) | 0.4596% | 4,957 |
| Net charge-offs to loans | 0.1184% | 1,324 |
| Credit loss provision to net charge-offs | 7.6229% | 3,061 |
| Earnings coverage of net charge-offs (x) | 17.6695% | 2,103 |
| Efficiency ratio | 61.0783% | 3,653 |
| Assets per employee ($millions) | 7.0598% | 911 |
| Cash dividends to net income (ytd only)* | 95.8942% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,763 |
| Loan loss allowance to noncurrent loans | 1,590.0170% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 4,681 |
| Noncurrent loans to loans | 0.0739% | 4,545 |
| Net loans and leases to total assets | 68.8241% | 2,818 |
| Net loans and leases to deposits | 78.4395% | 3,193 |
| Net loans and leases to core deposits | 95.1756% | 2,196 |
| Total domestic deposits to total assets | 87.7416% | 1,363 |
| Equity capital to assets | 9.6159% | 3,984 |
| Core capital (leverage) ratio | 9.9910% | 3,648 |
| Tier 1 risk-based capital ratio | 13.7893% | 3,467 |
| Total risk-based capital ratio | 14.9593% | 3,426 |
| Memoranda: | ||
| Average total assets | $5,661,167,250 | 202 |
| Average earning assets | $5,286,586,250 | 194 |
| Average equity | $558,785,250 | 224 |
| Average total loans | $3,870,938,250 | 207 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,707 |
| Cost of funding earning assets | 0.3321% | 4,189 |
| Net interest margin | 3.3025% | 4,240 |
| Noninterest income to average assets | 0.6664% | 2,021 |
| Noninterest expense to average assets | 2.3586% | 4,002 |
| Loan and lease loss provision to assets | 0.0114% | 3,628 |
| Net operating income to assets | 1.0879% | 2,624 |
| Return on assets (ROA) | 1.0880% | 2,633 |
| Pretax return on assets | 1.3828% | 2,208 |
| Return on Equity (ROE) | 10.9279% | 2,138 |
| Retained earnings to average equity (ytd only) | 0.2467% | 4,913 |
| Net charge-offs to loans | 0.1117% | 1,257 |
| Credit loss provision to net charge-offs | 14.9930% | 2,713 |
| Earnings coverage of net charge-offs (x) | 18.3690% | 1,905 |
| Efficiency ratio | 61.5879% | 3,683 |
| Assets per employee ($millions) | 6.9162% | 961 |
| Cash dividends to net income (ytd only)* | 97.7422% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,500 |
| Loan loss allowance to noncurrent loans | 1,355.3024% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 4,644 |
| Noncurrent loans to loans | 0.0914% | 4,506 |
| Net loans and leases to total assets | 67.7539% | 2,903 |
| Net loans and leases to deposits | 76.9918% | 3,255 |
| Net loans and leases to core deposits | 93.5224% | 2,265 |
| Total domestic deposits to total assets | 88.0015% | 1,380 |
| Equity capital to assets | 9.7774% | 3,843 |
| Core capital (leverage) ratio | 10.0239% | 3,552 |
| Tier 1 risk-based capital ratio | 14.0294% | 3,345 |
| Total risk-based capital ratio | 15.2609% | 3,274 |
| Memoranda: | ||
| Average total assets | $5,642,077,000 | 198 |
| Average earning assets | $5,272,593,000 | 193 |
| Average equity | $561,753,670 | 220 |
| Average total loans | $3,833,755,330 | 206 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,713 |
| Cost of funding earning assets | 0.3055% | 4,316 |
| Net interest margin | 3.2912% | 4,215 |
| Noninterest income to average assets | 0.6347% | 2,103 |
| Noninterest expense to average assets | 2.3499% | 4,064 |
| Loan and lease loss provision to assets | -0.0150% | 5,418 |
| Net operating income to assets | 1.0878% | 2,481 |
| Return on assets (ROA) | 1.0880% | 2,494 |
| Pretax return on assets | 1.3772% | 2,080 |
| Return on Equity (ROE) | 10.8295% | 2,037 |
| Retained earnings to average equity (ytd only) | 0.9311% | 4,646 |
| Net charge-offs to loans | 0.0602% | 1,503 |
| Credit loss provision to net charge-offs | -36.8237% | 3,602 |
| Earnings coverage of net charge-offs (x) | 33.4398% | 1,176 |
| Efficiency ratio | 62.0268% | 3,774 |
| Assets per employee ($millions) | 6.8545% | 1,025 |
| Cash dividends to net income (ytd only)* | 91.4026% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,306 |
| Loan loss allowance to noncurrent loans | 1,509.7239% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,750 |
| Noncurrent loans to loans | 0.0853% | 4,603 |
| Net loans and leases to total assets | 66.9078% | 2,902 |
| Net loans and leases to deposits | 75.6189% | 3,254 |
| Net loans and leases to core deposits | 91.7075% | 2,322 |
| Total domestic deposits to total assets | 88.4803% | 1,364 |
| Equity capital to assets | 9.9035% | 3,697 |
| Core capital (leverage) ratio | 10.0882% | 3,437 |
| Tier 1 risk-based capital ratio | 14.2622% | 3,246 |
| Total risk-based capital ratio | 15.5125% | 3,166 |
| Memoranda: | ||
| Average total assets | $5,627,490,000 | 200 |
| Average earning assets | $5,261,605,000 | 192 |
| Average equity | $565,379,000 | 221 |
| Average total loans | $3,805,294,500 | 207 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 4,626 |
| Cost of funding earning assets | 0.2230% | 4,766 |
| Net interest margin | 3.3520% | 4,005 |
| Noninterest income to average assets | 0.7060% | 1,937 |
| Noninterest expense to average assets | 2.3795% | 4,130 |
| Loan and lease loss provision to assets | -0.0486% | 5,392 |
| Net operating income to assets | 0.8298% | 3,036 |
| Return on assets (ROA) | 0.8135% | 3,144 |
| Pretax return on assets | 1.4612% | 1,773 |
| Return on Equity (ROE) | 7.7613% | 2,910 |
| Retained earnings to average equity (ytd only) | 0.3032% | 4,907 |
| Net charge-offs to loans | 0.1090% | 1,979 |
| Credit loss provision to net charge-offs | -67.5935% | 4,670 |
| Earnings coverage of net charge-offs (x) | 19.9992% | 1,991 |
| Efficiency ratio | 61.0539% | 4,105 |
| Assets per employee ($millions) | 6.9477% | 993 |
| Cash dividends to net income (ytd only)* | 96.0937% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,115 |
| Loan loss allowance to noncurrent loans | 1,497.4843% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 4,746 |
| Noncurrent loans to loans | 0.0882% | 4,607 |
| Net loans and leases to total assets | 66.5678% | 3,023 |
| Net loans and leases to deposits | 75.1879% | 3,415 |
| Net loans and leases to core deposits | 90.9989% | 2,463 |
| Total domestic deposits to total assets | 88.5352% | 1,230 |
| Equity capital to assets | 10.1906% | 3,500 |
| Core capital (leverage) ratio | 10.1224% | 3,281 |
| Tier 1 risk-based capital ratio | 14.3505% | 3,170 |
| Total risk-based capital ratio | 15.6023% | 3,075 |
| Memoranda: | ||
| Average total assets | $5,500,939,800 | 195 |
| Average earning assets | $5,106,732,400 | 190 |
| Average equity | $576,550,200 | 210 |
| Average total loans | $3,630,313,200 | 205 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 4,670 |
| Cost of funding earning assets | 0.2063% | 4,923 |
| Net interest margin | 3.3490% | 4,020 |
| Noninterest income to average assets | 0.7252% | 1,882 |
| Noninterest expense to average assets | 2.3496% | 4,158 |
| Loan and lease loss provision to assets | -0.0606% | 5,539 |
| Net operating income to assets | 0.9851% | 2,617 |
| Return on assets (ROA) | 0.9595% | 2,782 |
| Pretax return on assets | 1.5010% | 1,763 |
| Return on Equity (ROE) | 9.0903% | 2,559 |
| Retained earnings to average equity (ytd only) | 1.2422% | 4,906 |
| Net charge-offs to loans | 0.1086% | 1,701 |
| Credit loss provision to net charge-offs | -85.0308% | 4,497 |
| Earnings coverage of net charge-offs (x) | 20.7666% | 1,937 |
| Efficiency ratio | 60.0721% | 4,199 |
| Assets per employee ($millions) | 6.9843% | 961 |
| Cash dividends to net income (ytd only)* | 86.3349% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,868 |
| Loan loss allowance to noncurrent loans | 932.4049% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,673 |
| Noncurrent loans to loans | 0.1506% | 4,454 |
| Net loans and leases to total assets | 64.6821% | 3,301 |
| Net loans and leases to deposits | 72.7405% | 3,699 |
| Net loans and leases to core deposits | 88.2811% | 2,742 |
| Total domestic deposits to total assets | 88.9217% | 927 |
| Equity capital to assets | 10.4321% | 3,441 |
| Core capital (leverage) ratio | 10.3251% | 3,170 |
| Tier 1 risk-based capital ratio | 14.6926% | 3,074 |
| Total risk-based capital ratio | 15.9450% | 2,997 |
| Memoranda: | ||
| Average total assets | $5,472,737,000 | 196 |
| Average earning assets | $5,073,479,500 | 191 |
| Average equity | $577,668,500 | 207 |
| Average total loans | $3,591,153,750 | 209 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 4,655 |
| Cost of funding earning assets | 0.1881% | 5,080 |
| Net interest margin | 3.3523% | 3,940 |
| Noninterest income to average assets | 0.7337% | 1,847 |
| Noninterest expense to average assets | 2.3217% | 4,287 |
| Loan and lease loss provision to assets | -0.0868% | 5,635 |
| Net operating income to assets | 1.0209% | 2,327 |
| Return on assets (ROA) | 0.9824% | 2,564 |
| Pretax return on assets | 1.5449% | 1,505 |
| Return on Equity (ROE) | 9.2699% | 2,380 |
| Retained earnings to average equity (ytd only) | 1.6443% | 4,599 |
| Net charge-offs to loans | 0.0807% | 1,811 |
| Credit loss provision to net charge-offs | -163.9139% | 4,429 |
| Earnings coverage of net charge-offs (x) | 28.6801% | 1,497 |
| Efficiency ratio | 59.1808% | 4,442 |
| Assets per employee ($millions) | 6.8955% | 975 |
| Cash dividends to net income (ytd only)* | 82.2619% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,702 |
| Loan loss allowance to noncurrent loans | 637.4804% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,513 |
| Noncurrent loans to loans | 0.2299% | 4,205 |
| Net loans and leases to total assets | 64.3133% | 3,344 |
| Net loans and leases to deposits | 72.4139% | 3,693 |
| Net loans and leases to core deposits | 87.4192% | 2,754 |
| Total domestic deposits to total assets | 88.8135% | 1,051 |
| Equity capital to assets | 10.4893% | 3,363 |
| Core capital (leverage) ratio | 10.3803% | 3,041 |
| Tier 1 risk-based capital ratio | 14.6848% | 3,073 |
| Total risk-based capital ratio | 15.9382% | 2,992 |
| Memoranda: | ||
| Average total assets | $5,443,826,000 | 198 |
| Average earning assets | $5,044,253,330 | 195 |
| Average equity | $576,901,000 | 211 |
| Average total loans | $3,572,472,330 | 210 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 4,588 |
| Cost of funding earning assets | 0.1716% | 5,224 |
| Net interest margin | 3.3632% | 3,789 |
| Noninterest income to average assets | 0.7573% | 1,719 |
| Noninterest expense to average assets | 2.3099% | 4,380 |
| Loan and lease loss provision to assets | -0.0059% | 5,648 |
| Net operating income to assets | 1.0252% | 2,193 |
| Return on assets (ROA) | 1.0252% | 2,247 |
| Pretax return on assets | 1.5670% | 1,321 |
| Return on Equity (ROE) | 9.6242% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.8434% | 1,910 |
| Net charge-offs to loans | 0.1330% | 1,131 |
| Credit loss provision to net charge-offs | -6.7682% | 3,784 |
| Earnings coverage of net charge-offs (x) | 17.8435% | 1,585 |
| Efficiency ratio | 58.3950% | 4,672 |
| Assets per employee ($millions) | 6.8606% | 1,008 |
| Cash dividends to net income (ytd only)* | 28.8932% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 1,490 |
| Loan loss allowance to noncurrent loans | 673.3431% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,585 |
| Noncurrent loans to loans | 0.2313% | 4,286 |
| Net loans and leases to total assets | 64.4188% | 3,214 |
| Net loans and leases to deposits | 73.0337% | 3,508 |
| Net loans and leases to core deposits | 89.0613% | 2,450 |
| Total domestic deposits to total assets | 88.2042% | 1,593 |
| Equity capital to assets | 10.7016% | 2,962 |
| Core capital (leverage) ratio | 10.3995% | 3,010 |
| Tier 1 risk-based capital ratio | 14.8114% | 3,060 |
| Total risk-based capital ratio | 16.0665% | 2,984 |
| Memoranda: | ||
| Average total assets | $5,404,107,000 | 198 |
| Average earning assets | $5,003,157,500 | 194 |
| Average equity | $575,676,500 | 209 |
| Average total loans | $3,556,197,000 | 209 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4488% | 4,889 |
| Cost of funding earning assets | 0.1277% | 5,566 |
| Net interest margin | 3.3211% | 4,080 |
| Noninterest income to average assets | 0.8210% | 1,677 |
| Noninterest expense to average assets | 2.5072% | 3,986 |
| Loan and lease loss provision to assets | -0.1050% | 5,694 |
| Net operating income to assets | 0.9539% | 2,562 |
| Return on assets (ROA) | 0.9544% | 2,667 |
| Pretax return on assets | 1.4813% | 1,652 |
| Return on Equity (ROE) | 8.8241% | 2,504 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,397 |
| Net charge-offs to loans | 0.0344% | 3,343 |
| Credit loss provision to net charge-offs | -473.1561% | 5,158 |
| Earnings coverage of net charge-offs (x) | 62.0206% | 865 |
| Efficiency ratio | 63.2577% | 4,067 |
| Assets per employee ($millions) | 6.9083% | 960 |
| Cash dividends to net income (ytd only)* | 59.7353% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,394 |
| Loan loss allowance to noncurrent loans | 578.6349% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 4,533 |
| Noncurrent loans to loans | 0.2752% | 4,172 |
| Net loans and leases to total assets | 65.1235% | 3,206 |
| Net loans and leases to deposits | 75.6370% | 3,360 |
| Net loans and leases to core deposits | 91.2293% | 2,370 |
| Total domestic deposits to total assets | 86.1001% | 2,534 |
| Equity capital to assets | 10.6030% | 3,039 |
| Core capital (leverage) ratio | 10.2603% | 3,160 |
| Tier 1 risk-based capital ratio | 13.7220% | 3,632 |
| Total risk-based capital ratio | 14.9790% | 3,535 |
| Memoranda: | ||
| Average total assets | $5,256,145,400 | 199 |
| Average earning assets | $4,846,300,200 | 194 |
| Average equity | $568,476,200 | 197 |
| Average total loans | $3,393,785,400 | 207 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4578% | 4,911 |
| Cost of funding earning assets | 0.1228% | 5,662 |
| Net interest margin | 3.3350% | 4,077 |
| Noninterest income to average assets | 0.7455% | 1,985 |
| Noninterest expense to average assets | 2.4278% | 4,201 |
| Loan and lease loss provision to assets | -0.0733% | 5,756 |
| Net operating income to assets | 0.9456% | 2,673 |
| Return on assets (ROA) | 0.9463% | 2,804 |
| Pretax return on assets | 1.4643% | 1,835 |
| Return on Equity (ROE) | 8.7051% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.5515% | 3,767 |
| Net charge-offs to loans | 0.0421% | 2,801 |
| Credit loss provision to net charge-offs | -271.4556% | 4,935 |
| Earnings coverage of net charge-offs (x) | 51.5161% | 1,049 |
| Efficiency ratio | 62.2441% | 4,181 |
| Assets per employee ($millions) | 6.7384% | 983 |
| Cash dividends to net income (ytd only)* | 59.2025% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 1,169 |
| Loan loss allowance to noncurrent loans | 524.9646% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 4,534 |
| Noncurrent loans to loans | 0.3277% | 4,081 |
| Net loans and leases to total assets | 63.9000% | 3,415 |
| Net loans and leases to deposits | 74.7465% | 3,526 |
| Net loans and leases to core deposits | 90.4867% | 2,530 |
| Total domestic deposits to total assets | 85.4890% | 2,609 |
| Equity capital to assets | 10.9844% | 3,027 |
| Core capital (leverage) ratio | 10.5794% | 2,901 |
| Tier 1 risk-based capital ratio | 14.0451% | 3,541 |
| Total risk-based capital ratio | 15.3022% | 3,453 |
| Memoranda: | ||
| Average total assets | $5,226,526,750 | 198 |
| Average earning assets | $4,815,359,000 | 193 |
| Average equity | $568,127,000 | 198 |
| Average total loans | $3,353,039,000 | 210 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 4,939 |
| Cost of funding earning assets | 0.1192% | 5,760 |
| Net interest margin | 3.3546% | 4,041 |
| Noninterest income to average assets | 0.7322% | 1,994 |
| Noninterest expense to average assets | 2.4307% | 4,230 |
| Loan and lease loss provision to assets | -0.0819% | 5,857 |
| Net operating income to assets | 0.9556% | 2,603 |
| Return on assets (ROA) | 0.9562% | 2,741 |
| Pretax return on assets | 1.4720% | 1,765 |
| Return on Equity (ROE) | 8.8286% | 2,574 |
| Retained earnings to average equity (ytd only) | 1.0286% | 4,979 |
| Net charge-offs to loans | 0.0254% | 2,969 |
| Credit loss provision to net charge-offs | -505.7007% | 4,942 |
| Earnings coverage of net charge-offs (x) | 85.7910% | 663 |
| Efficiency ratio | 62.2813% | 4,301 |
| Assets per employee ($millions) | 6.6418% | 1,029 |
| Cash dividends to net income (ytd only)* | 88.3489% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 1,112 |
| Loan loss allowance to noncurrent loans | 429.6097% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,342 |
| Noncurrent loans to loans | 0.4143% | 3,869 |
| Net loans and leases to total assets | 63.5833% | 3,428 |
| Net loans and leases to deposits | 75.8932% | 3,397 |
| Net loans and leases to core deposits | 90.7683% | 2,459 |
| Total domestic deposits to total assets | 83.7800% | 3,355 |
| Equity capital to assets | 10.8652% | 3,214 |
| Core capital (leverage) ratio | 10.2288% | 3,298 |
| Tier 1 risk-based capital ratio | 13.8206% | 3,713 |
| Total risk-based capital ratio | 15.0783% | 3,628 |
| Memoranda: | ||
| Average total assets | $5,198,736,330 | 197 |
| Average earning assets | $4,785,557,000 | 193 |
| Average equity | $563,082,000 | 198 |
| Average total loans | $3,319,915,670 | 208 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 4,948 |
| Cost of funding earning assets | 0.1115% | 5,859 |
| Net interest margin | 3.3638% | 3,995 |
| Noninterest income to average assets | 0.6872% | 2,100 |
| Noninterest expense to average assets | 2.4067% | 4,344 |
| Loan and lease loss provision to assets | -0.0579% | 5,955 |
| Net operating income to assets | 0.9240% | 2,627 |
| Return on assets (ROA) | 0.9245% | 2,734 |
| Pretax return on assets | 1.4330% | 1,796 |
| Return on Equity (ROE) | 8.5492% | 2,635 |
| Retained earnings to average equity (ytd only) | 1.3911% | 4,704 |
| Net charge-offs to loans | 0.0511% | 2,020 |
| Credit loss provision to net charge-offs | -178.7081% | 4,334 |
| Earnings coverage of net charge-offs (x) | 42.4330% | 980 |
| Efficiency ratio | 62.2766% | 4,411 |
| Assets per employee ($millions) | 6.5372% | 1,086 |
| Cash dividends to net income (ytd only)* | 83.7287% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 1,005 |
| Loan loss allowance to noncurrent loans | 401.8687% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 4,286 |
| Noncurrent loans to loans | 0.4658% | 3,780 |
| Net loans and leases to total assets | 62.4556% | 3,460 |
| Net loans and leases to deposits | 72.2468% | 3,625 |
| Net loans and leases to core deposits | 86.0466% | 2,744 |
| Total domestic deposits to total assets | 86.4475% | 2,471 |
| Equity capital to assets | 10.8332% | 3,129 |
| Core capital (leverage) ratio | 10.4828% | 2,986 |
| Tier 1 risk-based capital ratio | 14.1535% | 3,597 |
| Total risk-based capital ratio | 15.4117% | 3,519 |
| Memoranda: | ||
| Average total assets | $5,161,325,500 | 198 |
| Average earning assets | $4,747,650,000 | 193 |
| Average equity | $558,131,000 | 200 |
| Average total loans | $3,272,939,500 | 210 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 5,041 |
| Cost of funding earning assets | 0.0860% | 6,014 |
| Net interest margin | 3.3655% | 4,056 |
| Noninterest income to average assets | 0.7492% | 1,988 |
| Noninterest expense to average assets | 2.5210% | 4,160 |
| Loan and lease loss provision to assets | -0.3158% | 6,071 |
| Net operating income to assets | 1.0651% | 2,071 |
| Return on assets (ROA) | 1.0403% | 2,257 |
| Pretax return on assets | 1.5727% | 1,335 |
| Return on Equity (ROE) | 8.9520% | 2,477 |
| Retained earnings to average equity (ytd only) | -10.4320% | 6,041 |
| Net charge-offs to loans | -0.1618% | 5,914 |
| Credit loss provision to net charge-offs | 316.9060% | 937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6614% | 4,142 |
| Assets per employee ($millions) | 6.2882% | 1,208 |
| Cash dividends to net income (ytd only)* | 216.5336% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 857 |
| Loan loss allowance to noncurrent loans | 435.4171% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 4,292 |
| Noncurrent loans to loans | 0.4508% | 3,857 |
| Net loans and leases to total assets | 61.9336% | 3,572 |
| Net loans and leases to deposits | 71.1302% | 3,804 |
| Net loans and leases to core deposits | 85.2601% | 2,855 |
| Total domestic deposits to total assets | 87.0707% | 2,095 |
| Equity capital to assets | 10.7938% | 3,036 |
| Core capital (leverage) ratio | 10.4193% | 3,035 |
| Tier 1 risk-based capital ratio | 14.0524% | 3,685 |
| Total risk-based capital ratio | 15.3155% | 3,598 |
| Memoranda: | ||
| Average total assets | $4,961,877,200 | 193 |
| Average earning assets | $4,520,675,400 | 190 |
| Average equity | $576,588,600 | 189 |
| Average total loans | $3,056,544,200 | 209 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4571% | 5,085 |
| Cost of funding earning assets | 0.0846% | 6,107 |
| Net interest margin | 3.3725% | 4,071 |
| Noninterest income to average assets | 0.7615% | 1,977 |
| Noninterest expense to average assets | 2.5360% | 4,092 |
| Loan and lease loss provision to assets | -0.3712% | 6,175 |
| Net operating income to assets | 1.1068% | 1,977 |
| Return on assets (ROA) | 1.0730% | 2,216 |
| Pretax return on assets | 1.6122% | 1,343 |
| Return on Equity (ROE) | 9.0665% | 2,539 |
| Retained earnings to average equity (ytd only) | -14.2117% | 6,172 |
| Net charge-offs to loans | -0.2794% | 6,068 |
| Credit loss provision to net charge-offs | 217.0809% | 1,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8386% | 4,093 |
| Assets per employee ($millions) | 6.0635% | 1,330 |
| Cash dividends to net income (ytd only)* | 256.7493% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1420% | 721 |
| Loan loss allowance to noncurrent loans | 545.4575% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 4,637 |
| Noncurrent loans to loans | 0.3927% | 4,208 |
| Net loans and leases to total assets | 60.9370% | 3,746 |
| Net loans and leases to deposits | 71.6962% | 3,803 |
| Net loans and leases to core deposits | 86.1832% | 2,833 |
| Total domestic deposits to total assets | 84.9933% | 3,011 |
| Equity capital to assets | 11.1229% | 2,885 |
| Core capital (leverage) ratio | 10.5122% | 3,036 |
| Tier 1 risk-based capital ratio | 14.5107% | 3,565 |
| Total risk-based capital ratio | 15.7755% | 3,473 |
| Memoranda: | ||
| Average total assets | $4,925,846,750 | 194 |
| Average earning assets | $4,478,349,250 | 193 |
| Average equity | $582,953,000 | 190 |
| Average total loans | $3,014,270,000 | 214 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 5,100 |
| Cost of funding earning assets | 0.0840% | 6,184 |
| Net interest margin | 3.3678% | 4,023 |
| Noninterest income to average assets | 0.7779% | 1,878 |
| Noninterest expense to average assets | 2.5572% | 4,052 |
| Loan and lease loss provision to assets | -0.4107% | 6,259 |
| Net operating income to assets | 1.0626% | 2,089 |
| Return on assets (ROA) | 1.0138% | 2,431 |
| Pretax return on assets | 1.6073% | 1,310 |
| Return on Equity (ROE) | 8.3952% | 2,849 |
| Retained earnings to average equity (ytd only) | -22.0031% | 6,274 |
| Net charge-offs to loans | -0.1979% | 6,022 |
| Credit loss provision to net charge-offs | 341.2203% | 849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3444% | 4,120 |
| Assets per employee ($millions) | 5.9745% | 1,375 |
| Cash dividends to net income (ytd only)* | 362.0901% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 727 |
| Loan loss allowance to noncurrent loans | 249.0195% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 3,462 |
| Noncurrent loans to loans | 0.8873% | 2,910 |
| Net loans and leases to total assets | 59.9498% | 3,843 |
| Net loans and leases to deposits | 70.6018% | 3,864 |
| Net loans and leases to core deposits | 84.3678% | 2,945 |
| Total domestic deposits to total assets | 84.9125% | 3,152 |
| Equity capital to assets | 10.9988% | 2,881 |
| Core capital (leverage) ratio | 10.3258% | 3,183 |
| Tier 1 risk-based capital ratio | 14.2626% | 3,786 |
| Total risk-based capital ratio | 15.5211% | 3,707 |
| Memoranda: | ||
| Average total assets | $4,902,356,330 | 196 |
| Average earning assets | $4,442,735,670 | 197 |
| Average equity | $592,025,670 | 191 |
| Average total loans | $2,981,943,670 | 217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 5,148 |
| Cost of funding earning assets | 0.0828% | 6,258 |
| Net interest margin | 3.3459% | 4,039 |
| Noninterest income to average assets | 0.8156% | 1,657 |
| Noninterest expense to average assets | 2.5951% | 3,953 |
| Loan and lease loss provision to assets | -0.2250% | 6,279 |
| Net operating income to assets | 0.9537% | 2,485 |
| Return on assets (ROA) | 0.9537% | 2,624 |
| Pretax return on assets | 1.4657% | 1,675 |
| Return on Equity (ROE) | 7.5558% | 3,188 |
| Retained earnings to average equity (ytd only) | 0.2914% | 5,277 |
| Net charge-offs to loans | -0.0189% | 5,023 |
| Credit loss provision to net charge-offs | 1,962.1429% | 204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2282% | 4,119 |
| Assets per employee ($millions) | 6.0310% | 1,383 |
| Cash dividends to net income (ytd only)* | 96.1433% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4011% | 613 |
| Loan loss allowance to noncurrent loans | 190.8646% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 3,032 |
| Noncurrent loans to loans | 1.2580% | 2,275 |
| Net loans and leases to total assets | 58.7839% | 3,833 |
| Net loans and leases to deposits | 68.9744% | 3,858 |
| Net loans and leases to core deposits | 83.5543% | 2,821 |
| Total domestic deposits to total assets | 85.2258% | 3,295 |
| Equity capital to assets | 12.5549% | 1,660 |
| Core capital (leverage) ratio | 12.1977% | 1,512 |
| Tier 1 risk-based capital ratio | 16.6380% | 2,618 |
| Total risk-based capital ratio | 17.8981% | 2,570 |
| Memoranda: | ||
| Average total assets | $4,883,094,000 | 197 |
| Average earning assets | $4,407,606,000 | 197 |
| Average equity | $616,318,500 | 184 |
| Average total loans | $2,958,429,500 | 214 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 5,276 |
| Cost of funding earning assets | 0.0901% | 6,355 |
| Net interest margin | 3.4280% | 4,075 |
| Noninterest income to average assets | 0.8469% | 1,692 |
| Noninterest expense to average assets | 2.6757% | 3,960 |
| Loan and lease loss provision to assets | -0.1347% | 6,209 |
| Net operating income to assets | 0.8929% | 2,911 |
| Return on assets (ROA) | 0.8962% | 2,981 |
| Pretax return on assets | 1.3775% | 1,969 |
| Return on Equity (ROE) | 6.7823% | 3,749 |
| Retained earnings to average equity (ytd only) | -18.5457% | 6,414 |
| Net charge-offs to loans | 0.1204% | 2,832 |
| Credit loss provision to net charge-offs | -190.5526% | 5,616 |
| Earnings coverage of net charge-offs (x) | 17.5036% | 1,921 |
| Efficiency ratio | 66.9372% | 4,068 |
| Assets per employee ($millions) | 6.0035% | 1,374 |
| Cash dividends to net income (ytd only)* | 373.4448% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5168% | 537 |
| Loan loss allowance to noncurrent loans | 189.0512% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 3,028 |
| Noncurrent loans to loans | 1.3313% | 2,209 |
| Net loans and leases to total assets | 59.4145% | 3,858 |
| Net loans and leases to deposits | 69.3896% | 3,986 |
| Net loans and leases to core deposits | 82.9502% | 2,997 |
| Total domestic deposits to total assets | 85.6245% | 3,021 |
| Equity capital to assets | 12.6896% | 1,546 |
| Core capital (leverage) ratio | 11.5674% | 1,930 |
| Tier 1 risk-based capital ratio | 16.3255% | 2,799 |
| Total risk-based capital ratio | 17.5883% | 2,737 |
| Memoranda: | ||
| Average total assets | $4,760,288,000 | 192 |
| Average earning assets | $4,258,225,600 | 192 |
| Average equity | $629,024,000 | 172 |
| Average total loans | $2,795,261,400 | 208 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 5,328 |
| Cost of funding earning assets | 0.0920% | 6,437 |
| Net interest margin | 3.4356% | 4,090 |
| Noninterest income to average assets | 0.8704% | 1,622 |
| Noninterest expense to average assets | 2.6958% | 3,839 |
| Loan and lease loss provision to assets | -0.0293% | 6,126 |
| Net operating income to assets | 0.8115% | 3,375 |
| Return on assets (ROA) | 0.8158% | 3,455 |
| Pretax return on assets | 1.2784% | 2,465 |
| Return on Equity (ROE) | 6.1121% | 4,174 |
| Retained earnings to average equity (ytd only) | -25.6249% | 6,515 |
| Net charge-offs to loans | -0.0029% | 5,217 |
| Credit loss provision to net charge-offs | 1,709.8361% | 208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0209% | 4,041 |
| Assets per employee ($millions) | 5.7341% | 1,541 |
| Cash dividends to net income (ytd only)* | 519.2490% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8762% | 405 |
| Loan loss allowance to noncurrent loans | 198.3764% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 3,048 |
| Noncurrent loans to loans | 1.4499% | 2,243 |
| Net loans and leases to total assets | 59.2026% | 3,906 |
| Net loans and leases to deposits | 68.5892% | 4,075 |
| Net loans and leases to core deposits | 81.2847% | 3,174 |
| Total domestic deposits to total assets | 86.3147% | 2,693 |
| Equity capital to assets | 12.8529% | 1,500 |
| Core capital (leverage) ratio | 11.2608% | 2,249 |
| Tier 1 risk-based capital ratio | 16.3028% | 2,902 |
| Total risk-based capital ratio | 17.5700% | 2,847 |
| Memoranda: | ||
| Average total assets | $4,743,650,750 | 191 |
| Average earning assets | $4,235,792,000 | 192 |
| Average equity | $633,153,750 | 172 |
| Average total loans | $2,758,606,500 | 207 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 5,315 |
| Cost of funding earning assets | 0.0925% | 6,498 |
| Net interest margin | 3.4458% | 3,997 |
| Noninterest income to average assets | 0.8919% | 1,522 |
| Noninterest expense to average assets | 2.6384% | 4,102 |
| Loan and lease loss provision to assets | 0.0286% | 3,704 |
| Net operating income to assets | 0.8446% | 3,101 |
| Return on assets (ROA) | 0.8512% | 3,167 |
| Pretax return on assets | 1.3075% | 2,228 |
| Return on Equity (ROE) | 6.3000% | 3,993 |
| Retained earnings to average equity (ytd only) | -37.6757% | 6,613 |
| Net charge-offs to loans | 0.0662% | 3,048 |
| Credit loss provision to net charge-offs | 75.4444% | 2,384 |
| Earnings coverage of net charge-offs (x) | 34.9911% | 1,157 |
| Efficiency ratio | 65.1312% | 4,503 |
| Assets per employee ($millions) | 5.5786% | 1,626 |
| Cash dividends to net income (ytd only)* | 698.0263% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9829% | 392 |
| Loan loss allowance to noncurrent loans | 225.9860% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 3,299 |
| Noncurrent loans to loans | 1.3199% | 2,605 |
| Net loans and leases to total assets | 57.8177% | 4,014 |
| Net loans and leases to deposits | 67.5222% | 4,104 |
| Net loans and leases to core deposits | 80.9958% | 3,099 |
| Total domestic deposits to total assets | 85.6276% | 3,227 |
| Equity capital to assets | 12.9608% | 1,391 |
| Core capital (leverage) ratio | 11.1563% | 2,287 |
| Tier 1 risk-based capital ratio | 16.3615% | 2,897 |
| Total risk-based capital ratio | 17.6293% | 2,845 |
| Memoranda: | ||
| Average total assets | $4,749,897,000 | 192 |
| Average earning assets | $4,235,324,000 | 191 |
| Average equity | $641,776,330 | 170 |
| Average total loans | $2,718,106,330 | 210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 5,380 |
| Cost of funding earning assets | 0.0908% | 6,587 |
| Net interest margin | 3.4243% | 4,012 |
| Noninterest income to average assets | 0.8189% | 1,678 |
| Noninterest expense to average assets | 2.6147% | 4,223 |
| Loan and lease loss provision to assets | -0.1103% | 6,507 |
| Net operating income to assets | 0.9086% | 2,613 |
| Return on assets (ROA) | 0.9086% | 2,680 |
| Pretax return on assets | 1.3670% | 1,862 |
| Return on Equity (ROE) | 6.5924% | 3,684 |
| Retained earnings to average equity (ytd only) | -69.4265% | 6,693 |
| Net charge-offs to loans | -0.0984% | 6,112 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0909% | 4,516 |
| Assets per employee ($millions) | 5.7321% | 1,508 |
| Cash dividends to net income (ytd only)* | 1,153.1218% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0702% | 400 |
| Loan loss allowance to noncurrent loans | 168.8671% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 3,002 |
| Noncurrent loans to loans | 1.8181% | 2,113 |
| Net loans and leases to total assets | 54.6586% | 4,328 |
| Net loans and leases to deposits | 64.6990% | 4,241 |
| Net loans and leases to core deposits | 77.4029% | 3,263 |
| Total domestic deposits to total assets | 84.4813% | 4,091 |
| Equity capital to assets | 12.6092% | 1,519 |
| Core capital (leverage) ratio | 11.0951% | 2,306 |
| Tier 1 risk-based capital ratio | 16.3900% | 2,952 |
| Total risk-based capital ratio | 17.6576% | 2,916 |
| Memoranda: | ||
| Average total assets | $4,773,446,500 | 189 |
| Average earning assets | $4,255,083,000 | 189 |
| Average equity | $657,904,500 | 171 |
| Average total loans | $2,675,836,000 | 209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4037% | 5,831 |
| Cost of funding earning assets | 0.0990% | 6,676 |
| Net interest margin | 3.3047% | 4,650 |
| Noninterest income to average assets | 1.0479% | 1,281 |
| Noninterest expense to average assets | 2.8369% | 3,583 |
| Loan and lease loss provision to assets | -0.2452% | 6,638 |
| Net operating income to assets | 3.1511% | 96 |
| Return on assets (ROA) | 3.1207% | 101 |
| Pretax return on assets | 1.3786% | 1,868 |
| Return on Equity (ROE) | 21.2919% | 220 |
| Retained earnings to average equity (ytd only) | 21.2919% | 71 |
| Net charge-offs to loans | 0.0532% | 4,478 |
| Credit loss provision to net charge-offs | -881.5277% | 6,209 |
| Earnings coverage of net charge-offs (x) | 41.8394% | 915 |
| Efficiency ratio | 69.4611% | 3,927 |
| Assets per employee ($millions) | 5.6603% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1714% | 384 |
| Loan loss allowance to noncurrent loans | 201.4759% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 3,441 |
| Noncurrent loans to loans | 1.5741% | 2,537 |
| Net loans and leases to total assets | 53.9522% | 4,586 |
| Net loans and leases to deposits | 64.2690% | 4,479 |
| Net loans and leases to core deposits | 77.8195% | 3,391 |
| Total domestic deposits to total assets | 83.9474% | 4,188 |
| Equity capital to assets | 14.9708% | 675 |
| Core capital (leverage) ratio | 13.2243% | 1,043 |
| Tier 1 risk-based capital ratio | 19.6056% | 1,752 |
| Total risk-based capital ratio | 20.8742% | 1,714 |
| Memoranda: | ||
| Average total assets | $4,612,560,400 | 188 |
| Average earning assets | $4,121,297,000 | 186 |
| Average equity | $676,055,800 | 163 |
| Average total loans | $2,412,319,000 | 215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,962 |
| Cost of funding earning assets | 0.1009% | 6,762 |
| Net interest margin | 3.2566% | 4,806 |
| Noninterest income to average assets | 1.1116% | 1,188 |
| Noninterest expense to average assets | 2.8087% | 3,631 |
| Loan and lease loss provision to assets | -0.2905% | 6,773 |
| Net operating income to assets | 3.9292% | 63 |
| Return on assets (ROA) | 3.8744% | 65 |
| Pretax return on assets | 1.4510% | 1,762 |
| Return on Equity (ROE) | 26.5813% | 95 |
| Retained earnings to average equity (ytd only) | 26.5813% | 37 |
| Net charge-offs to loans | 0.0684% | 3,943 |
| Credit loss provision to net charge-offs | -825.9106% | 6,151 |
| Earnings coverage of net charge-offs (x) | 34.5604% | 1,110 |
| Efficiency ratio | 68.3455% | 4,026 |
| Assets per employee ($millions) | 5.3901% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4136% | 366 |
| Loan loss allowance to noncurrent loans | 159.8275% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 3,129 |
| Noncurrent loans to loans | 2.1358% | 2,091 |
| Net loans and leases to total assets | 51.1900% | 4,982 |
| Net loans and leases to deposits | 61.3006% | 4,830 |
| Net loans and leases to core deposits | 73.4596% | 3,910 |
| Total domestic deposits to total assets | 83.5066% | 4,375 |
| Equity capital to assets | 14.8888% | 732 |
| Core capital (leverage) ratio | 13.1311% | 1,153 |
| Tier 1 risk-based capital ratio | 20.1170% | 1,708 |
| Total risk-based capital ratio | 21.3880% | 1,676 |
| Memoranda: | ||
| Average total assets | $4,579,858,000 | 187 |
| Average earning assets | $4,095,976,750 | 183 |
| Average equity | $667,539,250 | 161 |
| Average total loans | $2,354,656,000 | 216 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 6,037 |
| Cost of funding earning assets | 0.1036% | 6,815 |
| Net interest margin | 3.2263% | 4,852 |
| Noninterest income to average assets | 1.2045% | 1,054 |
| Noninterest expense to average assets | 2.7801% | 3,744 |
| Loan and lease loss provision to assets | -0.2993% | 6,832 |
| Net operating income to assets | 5.3723% | 38 |
| Return on assets (ROA) | 5.3728% | 38 |
| Pretax return on assets | 1.6113% | 1,338 |
| Return on Equity (ROE) | 37.1379% | 39 |
| Retained earnings to average equity (ytd only) | 37.1379% | 17 |
| Net charge-offs to loans | 0.2184% | 2,439 |
| Credit loss provision to net charge-offs | -269.3651% | 5,798 |
| Earnings coverage of net charge-offs (x) | 11.8044% | 2,029 |
| Efficiency ratio | 66.5050% | 4,449 |
| Assets per employee ($millions) | 5.2684% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6480% | 332 |
| Loan loss allowance to noncurrent loans | 162.8983% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 3,166 |
| Noncurrent loans to loans | 2.2394% | 2,129 |
| Net loans and leases to total assets | 49.2324% | 5,194 |
| Net loans and leases to deposits | 59.2057% | 5,051 |
| Net loans and leases to core deposits | 71.1889% | 4,149 |
| Total domestic deposits to total assets | 83.1548% | 4,643 |
| Equity capital to assets | 14.7047% | 780 |
| Core capital (leverage) ratio | 13.3768% | 1,027 |
| Tier 1 risk-based capital ratio | 20.3417% | 1,642 |
| Total risk-based capital ratio | 21.6142% | 1,616 |
| Memoranda: | ||
| Average total assets | $4,536,167,000 | 186 |
| Average earning assets | $4,059,369,330 | 183 |
| Average equity | $656,252,000 | 162 |
| Average total loans | $2,307,289,670 | 216 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2462% | 6,245 |
| Cost of funding earning assets | 0.1064% | 6,895 |
| Net interest margin | 3.1399% | 5,127 |
| Noninterest income to average assets | 1.0280% | 1,404 |
| Noninterest expense to average assets | 2.7552% | 3,848 |
| Loan and lease loss provision to assets | -0.5874% | 6,968 |
| Net operating income to assets | 10.0565% | 18 |
| Return on assets (ROA) | 10.0571% | 18 |
| Pretax return on assets | 1.6834% | 1,116 |
| Return on Equity (ROE) | 70.1193% | 12 |
| Retained earnings to average equity (ytd only) | 70.1193% | 8 |
| Net charge-offs to loans | 0.5374% | 1,126 |
| Credit loss provision to net charge-offs | -215.3972% | 5,275 |
| Earnings coverage of net charge-offs (x) | 4.0167% | 2,632 |
| Efficiency ratio | 69.9970% | 3,973 |
| Assets per employee ($millions) | 5.1555% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7875% | 335 |
| Loan loss allowance to noncurrent loans | 133.0564% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.6505% | 2,797 |
| Noncurrent loans to loans | 2.8466% | 1,778 |
| Net loans and leases to total assets | 48.3292% | 5,190 |
| Net loans and leases to deposits | 58.0410% | 5,025 |
| Net loans and leases to core deposits | 68.7020% | 4,219 |
| Total domestic deposits to total assets | 83.2673% | 4,771 |
| Equity capital to assets | 15.3497% | 670 |
| Core capital (leverage) ratio | 13.6389% | 892 |
| Tier 1 risk-based capital ratio | 21.0874% | 1,516 |
| Total risk-based capital ratio | 22.3624% | 1,483 |
| Memoranda: | ||
| Average total assets | $4,467,736,000 | 190 |
| Average earning assets | $4,016,366,000 | 189 |
| Average equity | $640,799,500 | 168 |
| Average total loans | $2,267,059,000 | 225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 6,495 |
| Cost of funding earning assets | 0.1345% | 6,953 |
| Net interest margin | 3.2558% | 5,413 |
| Noninterest income to average assets | 1.1401% | 1,201 |
| Noninterest expense to average assets | 3.2364% | 2,501 |
| Loan and lease loss provision to assets | -0.4452% | 7,034 |
| Net operating income to assets | 1.2568% | 1,431 |
| Return on assets (ROA) | 1.2760% | 1,527 |
| Pretax return on assets | 1.2760% | 2,500 |
| Return on Equity (ROE) | 9.7065% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.7065% | 654 |
| Net charge-offs to loans | 0.3167% | 3,056 |
| Credit loss provision to net charge-offs | -277.9249% | 6,442 |
| Earnings coverage of net charge-offs (x) | 5.0665% | 3,157 |
| Efficiency ratio | 77.8103% | 2,475 |
| Assets per employee ($millions) | 4.9023% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2999% | 225 |
| Loan loss allowance to noncurrent loans | 120.7653% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.0701% | 2,368 |
| Noncurrent loans to loans | 3.5605% | 1,390 |
| Net loans and leases to total assets | 49.0715% | 5,298 |
| Net loans and leases to deposits | 57.5698% | 5,286 |
| Net loans and leases to core deposits | 66.6566% | 4,674 |
| Total domestic deposits to total assets | 85.2382% | 3,750 |
| Equity capital to assets | 13.2922% | 1,315 |
| Core capital (leverage) ratio | 13.6453% | 903 |
| Tier 1 risk-based capital ratio | 21.4679% | 1,367 |
| Total risk-based capital ratio | 22.7490% | 1,332 |
| Memoranda: | ||
| Average total assets | $4,241,818,800 | 195 |
| Average earning assets | $3,788,665,600 | 193 |
| Average equity | $557,608,600 | 181 |
| Average total loans | $2,145,282,400 | 229 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 6,558 |
| Cost of funding earning assets | 0.1422% | 7,053 |
| Net interest margin | 3.3134% | 5,345 |
| Noninterest income to average assets | 1.0563% | 1,352 |
| Noninterest expense to average assets | 3.2762% | 2,340 |
| Loan and lease loss provision to assets | -0.5259% | 7,145 |
| Net operating income to assets | 1.2538% | 1,569 |
| Return on assets (ROA) | 1.2793% | 1,642 |
| Pretax return on assets | 1.2793% | 2,671 |
| Return on Equity (ROE) | 9.7602% | 2,467 |
| Retained earnings to average equity (ytd only) | 9.7602% | 980 |
| Net charge-offs to loans | 0.5383% | 1,990 |
| Credit loss provision to net charge-offs | -193.8806% | 6,332 |
| Earnings coverage of net charge-offs (x) | 2.6834% | 3,962 |
| Efficiency ratio | 79.4439% | 2,181 |
| Assets per employee ($millions) | 4.8126% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5416% | 202 |
| Loan loss allowance to noncurrent loans | 103.6996% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 3.2663% | 1,562 |
| Noncurrent loans to loans | 4.3795% | 1,096 |
| Net loans and leases to total assets | 47.2461% | 5,631 |
| Net loans and leases to deposits | 55.5572% | 5,673 |
| Net loans and leases to core deposits | 64.4244% | 5,106 |
| Total domestic deposits to total assets | 85.0405% | 3,726 |
| Equity capital to assets | 13.3949% | 1,393 |
| Core capital (leverage) ratio | 13.3851% | 1,049 |
| Tier 1 risk-based capital ratio | 22.2047% | 1,295 |
| Total risk-based capital ratio | 23.4891% | 1,272 |
| Memoranda: | ||
| Average total assets | $4,209,065,000 | 196 |
| Average earning assets | $3,744,731,250 | 196 |
| Average equity | $551,698,750 | 183 |
| Average total loans | $2,121,046,250 | 230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 6,574 |
| Cost of funding earning assets | 0.1511% | 7,117 |
| Net interest margin | 3.3768% | 5,180 |
| Noninterest income to average assets | 1.0822% | 1,222 |
| Noninterest expense to average assets | 3.2766% | 2,367 |
| Loan and lease loss provision to assets | -0.5567% | 7,209 |
| Net operating income to assets | 1.3604% | 1,284 |
| Return on assets (ROA) | 1.3609% | 1,441 |
| Pretax return on assets | 1.3609% | 2,346 |
| Return on Equity (ROE) | 10.4618% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.4618% | 860 |
| Net charge-offs to loans | 0.6292% | 1,742 |
| Credit loss provision to net charge-offs | -174.5007% | 6,123 |
| Earnings coverage of net charge-offs (x) | 2.5193% | 3,751 |
| Efficiency ratio | 77.5581% | 2,515 |
| Assets per employee ($millions) | 4.8114% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8693% | 180 |
| Loan loss allowance to noncurrent loans | 85.4760% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 4.0394% | 1,259 |
| Noncurrent loans to loans | 5.6967% | 798 |
| Net loans and leases to total assets | 47.9566% | 5,616 |
| Net loans and leases to deposits | 56.2403% | 5,621 |
| Net loans and leases to core deposits | 65.3017% | 5,079 |
| Total domestic deposits to total assets | 85.2709% | 3,726 |
| Equity capital to assets | 13.1705% | 1,442 |
| Core capital (leverage) ratio | 13.4264% | 1,001 |
| Tier 1 risk-based capital ratio | 21.8920% | 1,317 |
| Total risk-based capital ratio | 23.1791% | 1,284 |
| Memoranda: | ||
| Average total assets | $4,174,710,000 | 196 |
| Average earning assets | $3,706,544,330 | 195 |
| Average equity | $543,063,330 | 183 |
| Average total loans | $2,116,647,330 | 233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 6,604 |
| Cost of funding earning assets | 0.1614% | 7,165 |
| Net interest margin | 3.4156% | 5,049 |
| Noninterest income to average assets | 1.0805% | 1,231 |
| Noninterest expense to average assets | 3.1122% | 2,879 |
| Loan and lease loss provision to assets | -0.4813% | 7,257 |
| Net operating income to assets | 1.4797% | 1,058 |
| Return on assets (ROA) | 1.4802% | 1,181 |
| Pretax return on assets | 1.4802% | 1,924 |
| Return on Equity (ROE) | 11.4518% | 1,854 |
| Retained earnings to average equity (ytd only) | 11.4518% | 932 |
| Net charge-offs to loans | 0.5275% | 1,771 |
| Credit loss provision to net charge-offs | -179.4319% | 5,571 |
| Earnings coverage of net charge-offs (x) | 3.7224% | 2,771 |
| Efficiency ratio | 74.0245% | 3,099 |
| Assets per employee ($millions) | 4.8152% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4356% | 122 |
| Loan loss allowance to noncurrent loans | 74.6885% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 4.9465% | 1,061 |
| Noncurrent loans to loans | 7.2777% | 593 |
| Net loans and leases to total assets | 47.8064% | 5,581 |
| Net loans and leases to deposits | 55.9692% | 5,603 |
| Net loans and leases to core deposits | 63.9583% | 5,119 |
| Total domestic deposits to total assets | 85.4155% | 3,828 |
| Equity capital to assets | 13.0282% | 1,431 |
| Core capital (leverage) ratio | 13.2722% | 1,034 |
| Tier 1 risk-based capital ratio | 21.5983% | 1,364 |
| Total risk-based capital ratio | 22.8921% | 1,327 |
| Memoranda: | ||
| Average total assets | $4,147,465,500 | 195 |
| Average earning assets | $3,679,383,500 | 197 |
| Average equity | $536,092,000 | 184 |
| Average total loans | $2,108,974,000 | 233 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 6,752 |
| Cost of funding earning assets | 0.4251% | 6,817 |
| Net interest margin | 3.3547% | 5,631 |
| Noninterest income to average assets | 0.9972% | 1,375 |
| Noninterest expense to average assets | 3.9649% | 1,095 |
| Loan and lease loss provision to assets | -1.0001% | 7,350 |
| Net operating income to assets | 1.0089% | 2,168 |
| Return on assets (ROA) | 1.0416% | 2,182 |
| Pretax return on assets | 1.0416% | 3,070 |
| Return on Equity (ROE) | 9.6003% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.6003% | 649 |
| Net charge-offs to loans | 1.4121% | 1,155 |
| Credit loss provision to net charge-offs | -135.3131% | 6,719 |
| Earnings coverage of net charge-offs (x) | 0.0119% | 5,811 |
| Efficiency ratio | 98.0009% | 726 |
| Assets per employee ($millions) | 4.7091% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7734% | 105 |
| Loan loss allowance to noncurrent loans | 91.1543% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 4.7313% | 1,152 |
| Noncurrent loans to loans | 6.3337% | 764 |
| Net loans and leases to total assets | 48.1940% | 5,805 |
| Net loans and leases to deposits | 57.1086% | 5,789 |
| Net loans and leases to core deposits | 65.8283% | 5,266 |
| Total domestic deposits to total assets | 84.3901% | 4,143 |
| Equity capital to assets | 12.8227% | 1,585 |
| Core capital (leverage) ratio | 12.9991% | 1,140 |
| Tier 1 risk-based capital ratio | 21.6292% | 1,295 |
| Total risk-based capital ratio | 22.9297% | 1,254 |
| Memoranda: | ||
| Average total assets | $4,068,584,600 | 197 |
| Average earning assets | $3,610,014,600 | 195 |
| Average equity | $441,414,000 | 199 |
| Average total loans | $2,129,527,000 | 227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 6,825 |
| Cost of funding earning assets | 0.4987% | 6,698 |
| Net interest margin | 3.3158% | 5,818 |
| Noninterest income to average assets | 0.9472% | 1,493 |
| Noninterest expense to average assets | 3.9265% | 1,109 |
| Loan and lease loss provision to assets | -0.9698% | 7,427 |
| Net operating income to assets | 0.9331% | 2,603 |
| Return on assets (ROA) | 0.9423% | 2,723 |
| Pretax return on assets | 0.9423% | 3,607 |
| Return on Equity (ROE) | 9.1077% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.1077% | 1,110 |
| Net charge-offs to loans | 1.2468% | 1,245 |
| Credit loss provision to net charge-offs | -147.7518% | 6,559 |
| Earnings coverage of net charge-offs (x) | -0.0559% | 5,635 |
| Efficiency ratio | 99.1202% | 691 |
| Assets per employee ($millions) | 4.7151% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8194% | 48 |
| Loan loss allowance to noncurrent loans | 89.0776% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 5.4292% | 1,032 |
| Noncurrent loans to loans | 7.6555% | 604 |
| Net loans and leases to total assets | 47.5572% | 6,006 |
| Net loans and leases to deposits | 57.7555% | 5,862 |
| Net loans and leases to core deposits | 65.5729% | 5,459 |
| Total domestic deposits to total assets | 82.3423% | 4,956 |
| Equity capital to assets | 12.4836% | 1,920 |
| Core capital (leverage) ratio | 12.4227% | 1,469 |
| Tier 1 risk-based capital ratio | 21.2974% | 1,407 |
| Total risk-based capital ratio | 22.6086% | 1,366 |
| Memoranda: | ||
| Average total assets | $4,052,073,000 | 199 |
| Average earning assets | $3,595,908,750 | 196 |
| Average equity | $419,224,250 | 208 |
| Average total loans | $2,133,224,500 | 227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 6,883 |
| Cost of funding earning assets | 0.5462% | 6,679 |
| Net interest margin | 3.2885% | 5,890 |
| Noninterest income to average assets | 0.9087% | 1,622 |
| Noninterest expense to average assets | 3.5685% | 1,816 |
| Loan and lease loss provision to assets | -0.5142% | 7,481 |
| Net operating income to assets | 0.7723% | 3,191 |
| Return on assets (ROA) | 0.7858% | 3,261 |
| Pretax return on assets | 0.7858% | 4,082 |
| Return on Equity (ROE) | 8.1712% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.1712% | 1,399 |
| Net charge-offs to loans | 1.4521% | 1,033 |
| Credit loss provision to net charge-offs | -66.5703% | 6,269 |
| Earnings coverage of net charge-offs (x) | 0.3342% | 5,067 |
| Efficiency ratio | 91.3905% | 1,139 |
| Assets per employee ($millions) | 4.7511% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0682% | 32 |
| Loan loss allowance to noncurrent loans | 80.8440% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 6.0325% | 929 |
| Noncurrent loans to loans | 9.9800% | 386 |
| Net loans and leases to total assets | 46.0174% | 6,270 |
| Net loans and leases to deposits | 58.0511% | 5,934 |
| Net loans and leases to core deposits | 63.9419% | 5,726 |
| Total domestic deposits to total assets | 79.2704% | 6,019 |
| Equity capital to assets | 12.0292% | 2,066 |
| Core capital (leverage) ratio | 12.3394% | 1,430 |
| Tier 1 risk-based capital ratio | 21.1184% | 1,400 |
| Total risk-based capital ratio | 22.4435% | 1,364 |
| Memoranda: | ||
| Average total assets | $4,029,089,330 | 200 |
| Average earning assets | $3,575,051,330 | 200 |
| Average equity | $387,481,000 | 225 |
| Average total loans | $2,143,208,000 | 228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 6,814 |
| Cost of funding earning assets | 0.6110% | 6,564 |
| Net interest margin | 3.2952% | 5,796 |
| Noninterest income to average assets | 0.9581% | 1,441 |
| Noninterest expense to average assets | 3.4585% | 2,122 |
| Loan and lease loss provision to assets | -0.1584% | 7,499 |
| Net operating income to assets | 0.5737% | 4,161 |
| Return on assets (ROA) | 0.5743% | 4,233 |
| Pretax return on assets | 0.5743% | 4,785 |
| Return on Equity (ROE) | 6.8669% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.8669% | 2,205 |
| Net charge-offs to loans | 2.4344% | 481 |
| Credit loss provision to net charge-offs | -11.8698% | 5,592 |
| Earnings coverage of net charge-offs (x) | 0.3112% | 4,383 |
| Efficiency ratio | 87.4124% | 1,584 |
| Assets per employee ($millions) | 4.6681% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3912% | 33 |
| Loan loss allowance to noncurrent loans | 77.8162% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 7.1080% | 745 |
| Noncurrent loans to loans | 10.7833% | 348 |
| Net loans and leases to total assets | 48.4081% | 6,033 |
| Net loans and leases to deposits | 61.1936% | 5,598 |
| Net loans and leases to core deposits | 64.5130% | 5,678 |
| Total domestic deposits to total assets | 79.1065% | 6,164 |
| Equity capital to assets | 11.8860% | 1,985 |
| Core capital (leverage) ratio | 12.3096% | 1,408 |
| Tier 1 risk-based capital ratio | 20.7791% | 1,437 |
| Total risk-based capital ratio | 22.1103% | 1,399 |
| Memoranda: | ||
| Average total assets | $3,976,911,000 | 201 |
| Average earning assets | $3,518,805,000 | 199 |
| Average equity | $332,611,000 | 243 |
| Average total loans | $2,180,293,500 | 224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 6,859 |
| Cost of funding earning assets | 1.0253% | 5,559 |
| Net interest margin | 3.2236% | 6,212 |
| Noninterest income to average assets | 1.0494% | 1,357 |
| Noninterest expense to average assets | 5.7750% | 255 |
| Loan and lease loss provision to assets | 3.6783% | 195 |
| Net operating income to assets | -5.5924% | 7,571 |
| Return on assets (ROA) | -5.5727% | 7,576 |
| Pretax return on assets | -5.5727% | 7,569 |
| Return on Equity (ROE) | -87.7856% | 7,573 |
| Retained earnings to average equity (ytd only) | -87.7856% | 7,573 |
| Net charge-offs to loans | 6.4231% | 83 |
| Credit loss provision to net charge-offs | 92.7750% | 4,999 |
| Earnings coverage of net charge-offs (x) | -0.4828% | 6,446 |
| Efficiency ratio | 86.5427% | 1,625 |
| Assets per employee ($millions) | 4.5965% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6127% | 32 |
| Loan loss allowance to noncurrent loans | 75.9761% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 7.9036% | 634 |
| Noncurrent loans to loans | 11.3360% | 333 |
| Net loans and leases to total assets | 51.9476% | 5,916 |
| Net loans and leases to deposits | 65.1783% | 5,497 |
| Net loans and leases to core deposits | 67.0242% | 5,771 |
| Total domestic deposits to total assets | 79.7007% | 5,911 |
| Equity capital to assets | 4.7737% | 7,449 |
| Core capital (leverage) ratio | 4.8349% | 7,432 |
| Tier 1 risk-based capital ratio | 8.3570% | 7,321 |
| Total risk-based capital ratio | 9.6952% | 7,315 |
| Memoranda: | ||
| Average total assets | $4,337,602,800 | 192 |
| Average earning assets | $3,783,216,400 | 190 |
| Average equity | $275,352,800 | 274 |
| Average total loans | $2,677,434,000 | 192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 6,968 |
| Cost of funding earning assets | 1.0463% | 5,714 |
| Net interest margin | 3.2512% | 6,166 |
| Noninterest income to average assets | 0.8964% | 1,814 |
| Noninterest expense to average assets | 6.2138% | 205 |
| Loan and lease loss provision to assets | 4.7819% | 103 |
| Net operating income to assets | -7.2716% | 7,719 |
| Return on assets (ROA) | -7.2462% | 7,721 |
| Pretax return on assets | -7.2462% | 7,717 |
| Return on Equity (ROE) | -108.1928% | 7,701 |
| Retained earnings to average equity (ytd only) | -108.1928% | 7,701 |
| Net charge-offs to loans | 7.0238% | 66 |
| Credit loss provision to net charge-offs | 108.3933% | 3,930 |
| Earnings coverage of net charge-offs (x) | -0.5643% | 6,351 |
| Efficiency ratio | 82.2594% | 2,035 |
| Assets per employee ($millions) | 4.7681% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9838% | 28 |
| Loan loss allowance to noncurrent loans | 67.6123% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 8.9594% | 512 |
| Noncurrent loans to loans | 13.2872% | 220 |
| Net loans and leases to total assets | 52.8406% | 6,000 |
| Net loans and leases to deposits | 69.0698% | 5,265 |
| Net loans and leases to core deposits | 71.3440% | 5,597 |
| Total domestic deposits to total assets | 76.5032% | 6,569 |
| Equity capital to assets | 4.7266% | 7,598 |
| Core capital (leverage) ratio | 4.6722% | 7,580 |
| Tier 1 risk-based capital ratio | 7.6898% | 7,505 |
| Total risk-based capital ratio | 9.0322% | 7,498 |
| Memoranda: | ||
| Average total assets | $4,437,194,750 | 189 |
| Average earning assets | $3,859,112,000 | 186 |
| Average equity | $297,179,250 | 253 |
| Average total loans | $2,786,994,500 | 185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 6,895 |
| Cost of funding earning assets | 1.0446% | 5,946 |
| Net interest margin | 3.3554% | 5,819 |
| Noninterest income to average assets | 0.7861% | 2,197 |
| Noninterest expense to average assets | 7.7563% | 125 |
| Loan and lease loss provision to assets | 3.5023% | 248 |
| Net operating income to assets | -7.5623% | 7,781 |
| Return on assets (ROA) | -7.5251% | 7,785 |
| Pretax return on assets | -7.5251% | 7,775 |
| Return on Equity (ROE) | -103.0401% | 7,740 |
| Retained earnings to average equity (ytd only) | -103.0401% | 7,739 |
| Net charge-offs to loans | 5.6776% | 154 |
| Credit loss provision to net charge-offs | 95.9791% | 4,237 |
| Earnings coverage of net charge-offs (x) | -1.1126% | 6,136 |
| Efficiency ratio | 85.3464% | 1,784 |
| Assets per employee ($millions) | 4.9509% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4851% | 45 |
| Loan loss allowance to noncurrent loans | 46.8512% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 10.9667% | 325 |
| Noncurrent loans to loans | 15.9763% | 146 |
| Net loans and leases to total assets | 58.3555% | 5,361 |
| Net loans and leases to deposits | 77.6840% | 4,043 |
| Net loans and leases to core deposits | 80.6926% | 4,597 |
| Total domestic deposits to total assets | 75.1191% | 6,840 |
| Equity capital to assets | 6.3083% | 7,498 |
| Core capital (leverage) ratio | 6.2679% | 7,437 |
| Tier 1 risk-based capital ratio | 9.3819% | 7,311 |
| Total risk-based capital ratio | 10.7077% | 7,286 |
| Memoranda: | ||
| Average total assets | $4,525,561,330 | 181 |
| Average earning assets | $3,925,030,330 | 187 |
| Average equity | $330,506,330 | 236 |
| Average total loans | $2,908,605,330 | 183 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 6,557 |
| Cost of funding earning assets | 1.0358% | 6,196 |
| Net interest margin | 3.5668% | 4,872 |
| Noninterest income to average assets | 0.4899% | 4,125 |
| Noninterest expense to average assets | 12.0365% | 64 |
| Loan and lease loss provision to assets | 5.0617% | 156 |
| Net operating income to assets | -13.5245% | 7,918 |
| Return on assets (ROA) | -13.4525% | 7,918 |
| Pretax return on assets | -13.4525% | 7,916 |
| Return on Equity (ROE) | -173.3409% | 7,880 |
| Retained earnings to average equity (ytd only) | -173.3409% | 7,878 |
| Net charge-offs to loans | 6.9639% | 141 |
| Credit loss provision to net charge-offs | 112.1346% | 3,089 |
| Earnings coverage of net charge-offs (x) | -1.8748% | 5,459 |
| Efficiency ratio | 87.8746% | 1,601 |
| Assets per employee ($millions) | 4.7759% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2935% | 53 |
| Loan loss allowance to noncurrent loans | 45.1024% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 11.3002% | 313 |
| Noncurrent loans to loans | 16.1710% | 148 |
| Net loans and leases to total assets | 60.6990% | 4,997 |
| Net loans and leases to deposits | 80.5532% | 3,545 |
| Net loans and leases to core deposits | 84.4590% | 4,146 |
| Total domestic deposits to total assets | 75.3527% | 6,856 |
| Equity capital to assets | 6.3384% | 7,563 |
| Core capital (leverage) ratio | 5.8644% | 7,597 |
| Tier 1 risk-based capital ratio | 9.1268% | 7,452 |
| Total risk-based capital ratio | 10.4492% | 7,432 |
| Memoranda: | ||
| Average total assets | $4,649,556,500 | 182 |
| Average earning assets | $4,020,021,000 | 188 |
| Average equity | $360,838,000 | 226 |
| Average total loans | $3,013,829,000 | 183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 5,184 |
| Cost of funding earning assets | 1.3972% | 5,945 |
| Net interest margin | 3.9004% | 3,268 |
| Noninterest income to average assets | 0.8613% | 2,137 |
| Noninterest expense to average assets | 3.7138% | 1,881 |
| Loan and lease loss provision to assets | 6.6098% | 82 |
| Net operating income to assets | -5.6483% | 7,809 |
| Return on assets (ROA) | -5.7052% | 7,810 |
| Pretax return on assets | -6.1433% | 7,818 |
| Return on Equity (ROE) | -49.3969% | 7,678 |
| Retained earnings to average equity (ytd only) | -49.3969% | 7,671 |
| Net charge-offs to loans | 7.1696% | 110 |
| Credit loss provision to net charge-offs | 132.4226% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.1056% | 6,052 |
| Efficiency ratio | 63.9456% | 5,787 |
| Assets per employee ($millions) | 5.0593% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5672% | 78 |
| Loan loss allowance to noncurrent loans | 43.1130% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 10.3367% | 344 |
| Noncurrent loans to loans | 15.2326% | 167 |
| Net loans and leases to total assets | 60.0058% | 5,333 |
| Net loans and leases to deposits | 81.6818% | 3,667 |
| Net loans and leases to core deposits | 98.4898% | 4,179 |
| Total domestic deposits to total assets | 73.4629% | 7,091 |
| Equity capital to assets | 9.0559% | 5,053 |
| Core capital (leverage) ratio | 6.8108% | 7,363 |
| Tier 1 risk-based capital ratio | 9.6187% | 7,145 |
| Total risk-based capital ratio | 10.9286% | 7,087 |
| Memoranda: | ||
| Average total assets | $5,277,024,200 | 165 |
| Average earning assets | $4,572,196,000 | 166 |
| Average equity | $609,486,200 | 158 |
| Average total loans | $3,673,823,200 | 155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4500% | 4,687 |
| Cost of funding earning assets | 1.4680% | 5,965 |
| Net interest margin | 3.9819% | 2,889 |
| Noninterest income to average assets | 0.9610% | 1,738 |
| Noninterest expense to average assets | 3.9377% | 1,372 |
| Loan and lease loss provision to assets | 6.0368% | 106 |
| Net operating income to assets | -5.0324% | 7,842 |
| Return on assets (ROA) | -5.1177% | 7,855 |
| Pretax return on assets | -5.6609% | 7,884 |
| Return on Equity (ROE) | -42.2466% | 7,772 |
| Retained earnings to average equity (ytd only) | -42.2466% | 7,767 |
| Net charge-offs to loans | 5.5467% | 174 |
| Credit loss provision to net charge-offs | 153.6390% | 3,114 |
| Earnings coverage of net charge-offs (x) | 0.1192% | 5,917 |
| Efficiency ratio | 60.0316% | 6,410 |
| Assets per employee ($millions) | 5.2738% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8252% | 88 |
| Loan loss allowance to noncurrent loans | 48.2007% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 8.6426% | 465 |
| Noncurrent loans to loans | 12.0853% | 265 |
| Net loans and leases to total assets | 64.1638% | 4,833 |
| Net loans and leases to deposits | 85.6922% | 3,380 |
| Net loans and leases to core deposits | 103.5119% | 3,993 |
| Total domestic deposits to total assets | 74.8771% | 6,791 |
| Equity capital to assets | 10.3603% | 3,667 |
| Core capital (leverage) ratio | 8.0215% | 6,324 |
| Tier 1 risk-based capital ratio | 10.7879% | 6,174 |
| Total risk-based capital ratio | 12.0894% | 6,074 |
| Memoranda: | ||
| Average total assets | $5,379,510,500 | 170 |
| Average earning assets | $4,654,233,750 | 171 |
| Average equity | $651,668,500 | 154 |
| Average total loans | $3,810,826,500 | 161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5589% | 4,291 |
| Cost of funding earning assets | 1.5364% | 5,992 |
| Net interest margin | 4.0225% | 2,607 |
| Noninterest income to average assets | 1.0523% | 1,425 |
| Noninterest expense to average assets | 2.7941% | 4,984 |
| Loan and lease loss provision to assets | 3.7080% | 364 |
| Net operating income to assets | -0.9991% | 6,985 |
| Return on assets (ROA) | -1.0836% | 7,040 |
| Pretax return on assets | -2.0967% | 7,315 |
| Return on Equity (ROE) | -8.5539% | 6,937 |
| Retained earnings to average equity (ytd only) | -8.5539% | 6,727 |
| Net charge-offs to loans | 2.8083% | 584 |
| Credit loss provision to net charge-offs | 184.1694% | 2,488 |
| Earnings coverage of net charge-offs (x) | 0.8601% | 4,891 |
| Efficiency ratio | 60.5733% | 6,461 |
| Assets per employee ($millions) | 5.4529% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4013% | 186 |
| Loan loss allowance to noncurrent loans | 67.0317% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 4.8180% | 1,135 |
| Noncurrent loans to loans | 6.5659% | 799 |
| Net loans and leases to total assets | 65.4316% | 4,678 |
| Net loans and leases to deposits | 90.8938% | 2,678 |
| Net loans and leases to core deposits | 110.5064% | 3,327 |
| Total domestic deposits to total assets | 71.9868% | 7,244 |
| Equity capital to assets | 12.8589% | 1,758 |
| Core capital (leverage) ratio | 10.4535% | 2,858 |
| Tier 1 risk-based capital ratio | 13.0619% | 4,096 |
| Total risk-based capital ratio | 14.3476% | 3,988 |
| Memoranda: | ||
| Average total assets | $5,451,671,670 | 177 |
| Average earning assets | $4,707,464,000 | 178 |
| Average equity | $690,589,330 | 148 |
| Average total loans | $3,908,532,330 | 164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6408% | 4,102 |
| Cost of funding earning assets | 1.5982% | 6,035 |
| Net interest margin | 4.0426% | 2,480 |
| Noninterest income to average assets | 1.1032% | 1,222 |
| Noninterest expense to average assets | 2.5874% | 5,510 |
| Loan and lease loss provision to assets | 1.9738% | 610 |
| Net operating income to assets | 0.3219% | 5,205 |
| Return on assets (ROA) | 0.2900% | 5,505 |
| Pretax return on assets | 0.0215% | 6,338 |
| Return on Equity (ROE) | 2.3069% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.3069% | 4,593 |
| Net charge-offs to loans | 2.4488% | 580 |
| Credit loss provision to net charge-offs | 109.8924% | 3,508 |
| Earnings coverage of net charge-offs (x) | 1.1287% | 4,187 |
| Efficiency ratio | 54.9201% | 7,113 |
| Assets per employee ($millions) | 5.3025% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1501% | 427 |
| Loan loss allowance to noncurrent loans | 74.7209% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.3255% | 1,644 |
| Noncurrent loans to loans | 4.2158% | 1,404 |
| Net loans and leases to total assets | 69.3774% | 3,824 |
| Net loans and leases to deposits | 93.7942% | 2,304 |
| Net loans and leases to core deposits | 121.5153% | 2,291 |
| Total domestic deposits to total assets | 73.9676% | 6,896 |
| Equity capital to assets | 13.8204% | 1,417 |
| Core capital (leverage) ratio | 11.1042% | 2,425 |
| Tier 1 risk-based capital ratio | 13.6590% | 3,761 |
| Total risk-based capital ratio | 14.9308% | 3,675 |
| Memoranda: | ||
| Average total assets | $5,421,043,000 | 176 |
| Average earning assets | $4,708,767,500 | 176 |
| Average equity | $681,433,000 | 148 |
| Average total loans | $3,976,165,000 | 163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1931% | 4,553 |
| Cost of funding earning assets | 1.9454% | 6,592 |
| Net interest margin | 4.2477% | 2,122 |
| Noninterest income to average assets | 0.3172% | 6,185 |
| Noninterest expense to average assets | 4.1236% | 1,240 |
| Loan and lease loss provision to assets | 3.0638% | 298 |
| Net operating income to assets | -2.3819% | 7,675 |
| Return on assets (ROA) | -2.3750% | 7,640 |
| Pretax return on assets | -3.1407% | 7,742 |
| Return on Equity (ROE) | -20.1051% | 7,759 |
| Retained earnings to average equity (ytd only) | -23.8670% | 7,783 |
| Net charge-offs to loans | 3.4531% | 231 |
| Credit loss provision to net charge-offs | 119.3473% | 4,510 |
| Earnings coverage of net charge-offs (x) | -0.0335% | 6,268 |
| Efficiency ratio | 59.2303% | 6,492 |
| Assets per employee ($millions) | 5.2446% | 1,691 |
| Cash dividends to net income (ytd only)* | -18.7115% | 7,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9451% | 458 |
| Loan loss allowance to noncurrent loans | 89.7069% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.6711% | 1,784 |
| Noncurrent loans to loans | 3.2831% | 1,586 |
| Net loans and leases to total assets | 72.8481% | 3,400 |
| Net loans and leases to deposits | 100.7556% | 1,747 |
| Net loans and leases to core deposits | 134.1380% | 1,591 |
| Total domestic deposits to total assets | 72.3018% | 6,944 |
| Equity capital to assets | 11.3208% | 2,781 |
| Core capital (leverage) ratio | 8.5397% | 5,502 |
| Tier 1 risk-based capital ratio | 10.0906% | 6,629 |
| Total risk-based capital ratio | 11.3598% | 6,482 |
| Memoranda: | ||
| Average total assets | $5,603,176,400 | 171 |
| Average earning assets | $4,907,614,200 | 171 |
| Average equity | $661,888,200 | 155 |
| Average total loans | $4,165,443,400 | 157 |