Home > Comenity Bank > Performance and Condition Ratios
Comenity 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 | 27.2202% | 48 |
| Cost of funding earning assets | 4.3703% | 35 |
| Net interest margin | 22.8499% | 10 |
| Noninterest income to average assets | 1.8400% | 298 |
| Noninterest expense to average assets | 10.5638% | 110 |
| Loan and lease loss provision to assets | 5.2100% | 8 |
| Net operating income to assets | 5.2025% | 72 |
| Return on assets (ROA) | 5.2046% | 73 |
| Pretax return on assets | 7.0838% | 64 |
| Return on Equity (ROE) | 34.1300% | 132 |
| Retained earnings to average equity (ytd only) | 6.2871% | 2,139 |
| Net charge-offs to loans | 6.8628% | 12 |
| Credit loss provision to net charge-offs | 86.3879% | 1,973 |
| Earnings coverage of net charge-offs (x) | 2.0377% | 2,726 |
| Efficiency ratio | 45.9685% | 4,194 |
| Assets per employee ($millions) | 13.5216% | 289 |
| Cash dividends to net income (ytd only)* | 81.5763% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0522% | 12 |
| Loan loss allowance to noncurrent loans | 294.6761% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 3.5927% | 48 |
| Noncurrent loans to loans | 4.0900% | 79 |
| Net loans and leases to total assets | 77.2500% | 944 |
| Net loans and leases to deposits | 154.5415% | 12 |
| Net loans and leases to core deposits | 2,836.1567% | 27 |
| Total domestic deposits to total assets | 49.9900% | 4,472 |
| Equity capital to assets | 15.9416% | 464 |
| Core capital (leverage) ratio | 17.8854% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0731% | 602 |
| Memoranda: | ||
| Average total assets | $8,596,847,400 | 177 |
| Average earning assets | $7,906,793,800 | 172 |
| Average equity | $1,311,156,600 | 135 |
| Average total loans | $7,556,922,200 | 151 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.4787% | 44 |
| Cost of funding earning assets | 4.2980% | 37 |
| Net interest margin | 23.1806% | 6 |
| Noninterest income to average assets | 1.8600% | 307 |
| Noninterest expense to average assets | 10.7419% | 108 |
| Loan and lease loss provision to assets | 4.8100% | 8 |
| Net operating income to assets | 5.5719% | 68 |
| Return on assets (ROA) | 5.5662% | 68 |
| Pretax return on assets | 7.6404% | 62 |
| Return on Equity (ROE) | 36.9200% | 144 |
| Retained earnings to average equity (ytd only) | 4.9516% | 2,947 |
| Net charge-offs to loans | 6.8137% | 12 |
| Credit loss provision to net charge-offs | 80.3286% | 1,754 |
| Earnings coverage of net charge-offs (x) | 2.0799% | 2,499 |
| Efficiency ratio | 46.0513% | 4,133 |
| Assets per employee ($millions) | 13.1848% | 287 |
| Cash dividends to net income (ytd only)* | 86.5876% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6742% | 9 |
| Loan loss allowance to noncurrent loans | 312.7244% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 3.5517% | 47 |
| Noncurrent loans to loans | 4.0528% | 75 |
| Net loans and leases to total assets | 76.5300% | 1,059 |
| Net loans and leases to deposits | 147.5715% | 17 |
| Net loans and leases to core deposits | 2,123.8947% | 5 |
| Total domestic deposits to total assets | 51.8600% | 4,493 |
| Equity capital to assets | 16.3251% | 425 |
| Core capital (leverage) ratio | 17.5228% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6443% | 578 |
| Memoranda: | ||
| Average total assets | $8,575,847,000 | 177 |
| Average earning assets | $7,894,095,500 | 174 |
| Average equity | $1,292,978,750 | 139 |
| Average total loans | $7,539,825,500 | 152 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.9037% | 42 |
| Cost of funding earning assets | 4.1364% | 28 |
| Net interest margin | 22.7673% | 8 |
| Noninterest income to average assets | 1.8000% | 271 |
| Noninterest expense to average assets | 10.7846% | 102 |
| Loan and lease loss provision to assets | 4.8200% | 9 |
| Net operating income to assets | 5.2478% | 65 |
| Return on assets (ROA) | 5.2468% | 66 |
| Pretax return on assets | 7.1903% | 57 |
| Return on Equity (ROE) | 35.7300% | 140 |
| Retained earnings to average equity (ytd only) | -5.0105% | 4,420 |
| Net charge-offs to loans | 7.0210% | 12 |
| Credit loss provision to net charge-offs | 77.9501% | 1,561 |
| Earnings coverage of net charge-offs (x) | 1.9434% | 2,343 |
| Efficiency ratio | 47.0679% | 4,113 |
| Assets per employee ($millions) | 13.5993% | 258 |
| Cash dividends to net income (ytd only)* | 114.0221% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6776% | 13 |
| Loan loss allowance to noncurrent loans | 376.3792% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 74 |
| Noncurrent loans to loans | 3.3683% | 123 |
| Net loans and leases to total assets | 76.2500% | 1,024 |
| Net loans and leases to deposits | 148.3737% | 18 |
| Net loans and leases to core deposits | 336.4232% | 14 |
| Total domestic deposits to total assets | 51.3900% | 4,521 |
| Equity capital to assets | 15.0368% | 521 |
| Core capital (leverage) ratio | 16.2318% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1101% | 711 |
| Memoranda: | ||
| Average total assets | $8,692,031,667 | 171 |
| Average earning assets | $8,013,945,333 | 167 |
| Average equity | $1,276,268,333 | 135 |
| Average total loans | $7,649,755,000 | 146 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.2221% | 2 |
| Cost of funding earning assets | 3.9679% | 5 |
| Net interest margin | 23.2542% | 2 |
| Noninterest income to average assets | 1.7600% | 271 |
| Noninterest expense to average assets | 10.5429% | 105 |
| Loan and lease loss provision to assets | 4.5600% | 8 |
| Net operating income to assets | 5.8717% | 65 |
| Return on assets (ROA) | 5.8748% | 66 |
| Pretax return on assets | 8.1267% | 59 |
| Return on Equity (ROE) | 40.4700% | 112 |
| Retained earnings to average equity (ytd only) | -6.3088% | 4,380 |
| Net charge-offs to loans | 7.0470% | 13 |
| Credit loss provision to net charge-offs | 73.1754% | 1,235 |
| Earnings coverage of net charge-offs (x) | 2.0366% | 1,941 |
| Efficiency ratio | 45.1637% | 4,261 |
| Assets per employee ($millions) | 13.9044% | 251 |
| Cash dividends to net income (ytd only)* | 115.5873% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6701% | 6 |
| Loan loss allowance to noncurrent loans | 330.0570% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 3.3756% | 36 |
| Noncurrent loans to loans | 3.8387% | 97 |
| Net loans and leases to total assets | 76.7900% | 896 |
| Net loans and leases to deposits | 150.4872% | 16 |
| Net loans and leases to core deposits | 350.8509% | 13 |
| Total domestic deposits to total assets | 51.0300% | 4,572 |
| Equity capital to assets | 14.8974% | 490 |
| Core capital (leverage) ratio | 15.7058% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6553% | 779 |
| Memoranda: | ||
| Average total assets | $8,835,858,000 | 178 |
| Average earning assets | $8,155,461,000 | 172 |
| Average equity | $1,282,527,500 | 138 |
| Average total loans | $7,805,189,500 | 148 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5875% | 3 |
| Cost of funding earning assets | 2.1849% | 3 |
| Net interest margin | 22.4026% | 4 |
| Noninterest income to average assets | 1.7600% | 290 |
| Noninterest expense to average assets | 10.5157% | 105 |
| Loan and lease loss provision to assets | 5.9300% | 5 |
| Net operating income to assets | 4.0480% | 78 |
| Return on assets (ROA) | 4.0348% | 75 |
| Pretax return on assets | 5.1483% | 72 |
| Return on Equity (ROE) | 24.2700% | 237 |
| Retained earnings to average equity (ytd only) | -23.9100% | 4,699 |
| Net charge-offs to loans | 5.2370% | 9 |
| Credit loss provision to net charge-offs | 135.6735% | 1,366 |
| Earnings coverage of net charge-offs (x) | 2.5381% | 2,500 |
| Efficiency ratio | 48.2499% | 4,225 |
| Assets per employee ($millions) | 15.3029% | 192 |
| Cash dividends to net income (ytd only)* | 198.5121% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2312% | 6 |
| Loan loss allowance to noncurrent loans | 333.8592% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 3.2500% | 39 |
| Noncurrent loans to loans | 3.6636% | 104 |
| Net loans and leases to total assets | 77.8600% | 808 |
| Net loans and leases to deposits | 153.0877% | 15 |
| Net loans and leases to core deposits | 388.1114% | 14 |
| Total domestic deposits to total assets | 50.8600% | 4,610 |
| Equity capital to assets | 14.1565% | 560 |
| Core capital (leverage) ratio | 16.6900% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7071% | 758 |
| Memoranda: | ||
| Average total assets | $9,251,440,200 | 171 |
| Average earning assets | $8,198,744,600 | 171 |
| Average equity | $1,537,946,200 | 124 |
| Average total loans | $7,723,517,000 | 145 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.1592% | 3 |
| Cost of funding earning assets | 1.8199% | 4 |
| Net interest margin | 22.3393% | 3 |
| Noninterest income to average assets | 1.7800% | 302 |
| Noninterest expense to average assets | 10.2314% | 103 |
| Loan and lease loss provision to assets | 4.4800% | 5 |
| Net operating income to assets | 5.0475% | 65 |
| Return on assets (ROA) | 5.0297% | 63 |
| Pretax return on assets | 6.6258% | 62 |
| Return on Equity (ROE) | 27.5800% | 123 |
| Retained earnings to average equity (ytd only) | 6.6320% | 2,503 |
| Net charge-offs to loans | 4.9462% | 7 |
| Credit loss provision to net charge-offs | 110.2651% | 1,270 |
| Earnings coverage of net charge-offs (x) | 2.7378% | 2,233 |
| Efficiency ratio | 47.4363% | 4,306 |
| Assets per employee ($millions) | 15.2180% | 195 |
| Cash dividends to net income (ytd only)* | 75.9499% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7013% | 7 |
| Loan loss allowance to noncurrent loans | 345.0495% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 2.8710% | 59 |
| Noncurrent loans to loans | 3.3912% | 132 |
| Net loans and leases to total assets | 74.7500% | 1,036 |
| Net loans and leases to deposits | 165.9805% | 8 |
| Net loans and leases to core deposits | 391.9637% | 10 |
| Total domestic deposits to total assets | 45.0400% | 4,662 |
| Equity capital to assets | 19.7212% | 226 |
| Core capital (leverage) ratio | 20.4495% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9442% | 315 |
| Memoranda: | ||
| Average total assets | $9,284,169,250 | 171 |
| Average earning assets | $8,139,853,500 | 172 |
| Average equity | $1,693,395,750 | 114 |
| Average total loans | $7,631,679,500 | 146 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.3188% | 2 |
| Cost of funding earning assets | 1.5176% | 4 |
| Net interest margin | 21.8012% | 3 |
| Noninterest income to average assets | 1.7873% | 267 |
| Noninterest expense to average assets | 10.0677% | 70 |
| Loan and lease loss provision to assets | 4.4121% | 6 |
| Net operating income to assets | 4.4161% | 36 |
| Return on assets (ROA) | 4.3984% | 34 |
| Pretax return on assets | 6.0370% | 29 |
| Return on Equity (ROE) | 24.7414% | 121 |
| Retained earnings to average equity (ytd only) | 0.8983% | 4,017 |
| Net charge-offs to loans | 4.9958% | 8 |
| Credit loss provision to net charge-offs | 108.4503% | 1,232 |
| Earnings coverage of net charge-offs (x) | 2.5739% | 2,026 |
| Efficiency ratio | 48.4695% | 4,329 |
| Assets per employee ($millions) | 16.3383% | 155 |
| Cash dividends to net income (ytd only)* | 96.3693% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3900% | 8 |
| Loan loss allowance to noncurrent loans | 445.4301% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1027% | 125 |
| Noncurrent loans to loans | 2.5571% | 218 |
| Net loans and leases to total assets | 72.8650% | 1,021 |
| Net loans and leases to deposits | 188.3841% | 3 |
| Net loans and leases to core deposits | 722.6468% | 7 |
| Total domestic deposits to total assets | 38.6789% | 4,737 |
| Equity capital to assets | 18.1165% | 220 |
| Core capital (leverage) ratio | 19.1443% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0282% | 419 |
| Memoranda: | ||
| Average total assets | $9,436,752,667 | 168 |
| Average earning assets | $8,116,766,667 | 173 |
| Average equity | $1,677,636,667 | 118 |
| Average total loans | $7,684,730,000 | 141 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.7916% | 2 |
| Cost of funding earning assets | 1.3503% | 6 |
| Net interest margin | 22.4412% | 2 |
| Noninterest income to average assets | 1.7067% | 298 |
| Noninterest expense to average assets | 9.7386% | 74 |
| Loan and lease loss provision to assets | 2.7585% | 12 |
| Net operating income to assets | 6.0641% | 33 |
| Return on assets (ROA) | 6.0451% | 31 |
| Pretax return on assets | 8.3243% | 27 |
| Return on Equity (ROE) | 34.3186% | 43 |
| Retained earnings to average equity (ytd only) | 10.5549% | 887 |
| Net charge-offs to loans | 4.6848% | 12 |
| Credit loss provision to net charge-offs | 72.6494% | 1,128 |
| Earnings coverage of net charge-offs (x) | 2.9251% | 1,688 |
| Efficiency ratio | 46.1848% | 4,488 |
| Assets per employee ($millions) | 16.4636% | 158 |
| Cash dividends to net income (ytd only)* | 69.2444% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9333% | 10 |
| Loan loss allowance to noncurrent loans | 410.3540% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 2.1458% | 128 |
| Noncurrent loans to loans | 2.6644% | 219 |
| Net loans and leases to total assets | 71.7314% | 859 |
| Net loans and leases to deposits | 192.8129% | 4 |
| Net loans and leases to core deposits | 848.3388% | 7 |
| Total domestic deposits to total assets | 37.2026% | 4,765 |
| Equity capital to assets | 18.2904% | 218 |
| Core capital (leverage) ratio | 19.3940% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7631% | 447 |
| Memoranda: | ||
| Average total assets | $9,555,904,000 | 165 |
| Average earning assets | $8,149,679,000 | 174 |
| Average equity | $1,683,238,500 | 120 |
| Average total loans | $7,745,100,000 | 141 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.3772% | 2 |
| Cost of funding earning assets | 1.8008% | 3 |
| Net interest margin | 21.5764% | 3 |
| Noninterest income to average assets | 2.0424% | 308 |
| Noninterest expense to average assets | 11.3224% | 63 |
| Loan and lease loss provision to assets | 1.2237% | 23 |
| Net operating income to assets | 6.4071% | 32 |
| Return on assets (ROA) | 6.4035% | 33 |
| Pretax return on assets | 8.5258% | 29 |
| Return on Equity (ROE) | 33.6219% | 49 |
| Retained earnings to average equity (ytd only) | 0.2061% | 4,438 |
| Net charge-offs to loans | 4.7414% | 6 |
| Credit loss provision to net charge-offs | 30.7590% | 2,232 |
| Earnings coverage of net charge-offs (x) | 2.4517% | 2,584 |
| Efficiency ratio | 53.0000% | 4,034 |
| Assets per employee ($millions) | 17.9696% | 135 |
| Cash dividends to net income (ytd only)* | 99.3871% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5857% | 10 |
| Loan loss allowance to noncurrent loans | 434.1057% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9883% | 157 |
| Noncurrent loans to loans | 2.4385% | 278 |
| Net loans and leases to total assets | 72.9077% | 765 |
| Net loans and leases to deposits | 192.9158% | 4 |
| Net loans and leases to core deposits | 896.4838% | 7 |
| Total domestic deposits to total assets | 37.7925% | 4,808 |
| Equity capital to assets | 16.9717% | 300 |
| Core capital (leverage) ratio | 19.9614% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6519% | 517 |
| Memoranda: | ||
| Average total assets | $9,427,621,600 | 167 |
| Average earning assets | $8,316,746,200 | 171 |
| Average equity | $1,795,557,000 | 123 |
| Average total loans | $7,910,666,600 | 146 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.5449% | 2 |
| Cost of funding earning assets | 1.9351% | 2 |
| Net interest margin | 21.6098% | 2 |
| Noninterest income to average assets | 2.0365% | 339 |
| Noninterest expense to average assets | 11.3945% | 62 |
| Loan and lease loss provision to assets | -0.4609% | 4,876 |
| Net operating income to assets | 7.7284% | 27 |
| Return on assets (ROA) | 7.7251% | 28 |
| Pretax return on assets | 10.3360% | 26 |
| Return on Equity (ROE) | 39.4345% | 37 |
| Retained earnings to average equity (ytd only) | 23.0318% | 73 |
| Net charge-offs to loans | 4.9066% | 6 |
| Credit loss provision to net charge-offs | -11.1136% | 3,056 |
| Earnings coverage of net charge-offs (x) | 2.3819% | 2,352 |
| Efficiency ratio | 52.8740% | 3,932 |
| Assets per employee ($millions) | 17.1686% | 143 |
| Cash dividends to net income (ytd only)* | 41.5949% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8854% | 10 |
| Loan loss allowance to noncurrent loans | 444.3497% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 1.9645% | 193 |
| Noncurrent loans to loans | 2.4497% | 310 |
| Net loans and leases to total assets | 71.4632% | 928 |
| Net loans and leases to deposits | 204.8766% | 6 |
| Net loans and leases to core deposits | 963.9420% | 8 |
| Total domestic deposits to total assets | 34.8811% | 4,884 |
| Equity capital to assets | 22.0252% | 134 |
| Core capital (leverage) ratio | 23.3544% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0693% | 274 |
| Memoranda: | ||
| Average total assets | $9,336,169,000 | 168 |
| Average earning assets | $8,311,128,500 | 171 |
| Average equity | $1,828,919,000 | 121 |
| Average total loans | $7,891,962,500 | 143 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.9538% | 2 |
| Cost of funding earning assets | 2.0008% | 2 |
| Net interest margin | 20.9530% | 2 |
| Noninterest income to average assets | 2.0003% | 328 |
| Noninterest expense to average assets | 11.4267% | 61 |
| Loan and lease loss provision to assets | -1.3283% | 4,945 |
| Net operating income to assets | 7.9776% | 28 |
| Return on assets (ROA) | 7.9732% | 26 |
| Pretax return on assets | 10.7260% | 23 |
| Return on Equity (ROE) | 42.3642% | 37 |
| Retained earnings to average equity (ytd only) | 28.3240% | 47 |
| Net charge-offs to loans | 5.2633% | 6 |
| Credit loss provision to net charge-offs | -29.3794% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.0798% | 2,148 |
| Efficiency ratio | 54.2535% | 3,769 |
| Assets per employee ($millions) | 18.2175% | 125 |
| Cash dividends to net income (ytd only)* | 33.1418% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7799% | 11 |
| Loan loss allowance to noncurrent loans | 528.8482% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.7161% | 284 |
| Noncurrent loans to loans | 2.0384% | 473 |
| Net loans and leases to total assets | 75.1139% | 666 |
| Net loans and leases to deposits | 209.3951% | 6 |
| Net loans and leases to core deposits | 4,787.4790% | 6 |
| Total domestic deposits to total assets | 35.8718% | 4,917 |
| Equity capital to assets | 20.9192% | 157 |
| Core capital (leverage) ratio | 22.0599% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7951% | 310 |
| Memoranda: | ||
| Average total assets | $9,460,886,000 | 166 |
| Average earning assets | $8,502,149,333 | 165 |
| Average equity | $1,780,591,333 | 124 |
| Average total loans | $8,126,994,000 | 141 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.2183% | 2 |
| Cost of funding earning assets | 2.0572% | 4 |
| Net interest margin | 23.1611% | 2 |
| Noninterest income to average assets | -1.6610% | 4,978 |
| Noninterest expense to average assets | 9.1789% | 76 |
| Loan and lease loss provision to assets | -0.9682% | 4,955 |
| Net operating income to assets | 8.1064% | 31 |
| Return on assets (ROA) | 8.0991% | 30 |
| Pretax return on assets | 10.9516% | 27 |
| Return on Equity (ROE) | 45.4348% | 42 |
| Retained earnings to average equity (ytd only) | 27.9548% | 100 |
| Net charge-offs to loans | 5.2919% | 8 |
| Credit loss provision to net charge-offs | -21.1002% | 2,710 |
| Earnings coverage of net charge-offs (x) | 2.1776% | 1,819 |
| Efficiency ratio | 47.2337% | 4,390 |
| Assets per employee ($millions) | 18.6703% | 119 |
| Cash dividends to net income (ytd only)* | 38.4728% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3610% | 8 |
| Loan loss allowance to noncurrent loans | 450.2851% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 2.3626% | 182 |
| Noncurrent loans to loans | 2.7451% | 313 |
| Net loans and leases to total assets | 75.4270% | 682 |
| Net loans and leases to deposits | 198.6894% | 9 |
| Net loans and leases to core deposits | 4,137.5638% | 6 |
| Total domestic deposits to total assets | 37.9623% | 4,940 |
| Equity capital to assets | 19.4569% | 204 |
| Core capital (leverage) ratio | 20.3346% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8180% | 361 |
| Memoranda: | ||
| Average total assets | $9,627,844,500 | 163 |
| Average earning assets | $8,659,825,500 | 164 |
| Average equity | $1,716,244,500 | 126 |
| Average total loans | $8,348,520,500 | 139 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.3390% | 1 |
| Cost of funding earning assets | 2.2246% | 2 |
| Net interest margin | 22.1144% | 2 |
| Noninterest income to average assets | -1.5684% | 5,001 |
| Noninterest expense to average assets | 9.0832% | 83 |
| Loan and lease loss provision to assets | 5.6408% | 5 |
| Net operating income to assets | 2.9035% | 101 |
| Return on assets (ROA) | 2.9044% | 103 |
| Pretax return on assets | 3.7837% | 77 |
| Return on Equity (ROE) | 20.2389% | 220 |
| Retained earnings to average equity (ytd only) | 6.5413% | 1,574 |
| Net charge-offs to loans | 6.6645% | 6 |
| Credit loss provision to net charge-offs | 100.4184% | 2,814 |
| Earnings coverage of net charge-offs (x) | 1.6776% | 3,241 |
| Efficiency ratio | 47.9386% | 4,634 |
| Assets per employee ($millions) | 21.6366% | 79 |
| Cash dividends to net income (ytd only)* | 67.6798% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5011% | 8 |
| Loan loss allowance to noncurrent loans | 430.8504% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 2.5329% | 176 |
| Noncurrent loans to loans | 2.9015% | 307 |
| Net loans and leases to total assets | 76.3824% | 744 |
| Net loans and leases to deposits | 212.0362% | 11 |
| Net loans and leases to core deposits | 4,349.6794% | 6 |
| Total domestic deposits to total assets | 36.0233% | 4,966 |
| Equity capital to assets | 16.3552% | 397 |
| Core capital (leverage) ratio | 18.9845% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9850% | 585 |
| Memoranda: | ||
| Average total assets | $11,446,301,200 | 137 |
| Average earning assets | $10,390,651,600 | 137 |
| Average equity | $1,642,617,600 | 127 |
| Average total loans | $9,647,698,200 | 123 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.1468% | 1 |
| Cost of funding earning assets | 2.2948% | 3 |
| Net interest margin | 21.8520% | 1 |
| Noninterest income to average assets | -1.3066% | 5,031 |
| Noninterest expense to average assets | 8.7683% | 88 |
| Loan and lease loss provision to assets | 6.5587% | 6 |
| Net operating income to assets | 2.4968% | 144 |
| Return on assets (ROA) | 2.4990% | 152 |
| Pretax return on assets | 3.2252% | 107 |
| Return on Equity (ROE) | 17.9530% | 366 |
| Retained earnings to average equity (ytd only) | 5.3459% | 2,407 |
| Net charge-offs to loans | 6.9284% | 6 |
| Credit loss provision to net charge-offs | 113.1801% | 2,528 |
| Earnings coverage of net charge-offs (x) | 1.6879% | 3,054 |
| Efficiency ratio | 46.0358% | 4,707 |
| Assets per employee ($millions) | 21.6369% | 72 |
| Cash dividends to net income (ytd only)* | 70.2228% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.8909% | 3 |
| Loan loss allowance to noncurrent loans | 449.4537% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 2.6034% | 195 |
| Noncurrent loans to loans | 3.0906% | 296 |
| Net loans and leases to total assets | 72.5347% | 1,583 |
| Net loans and leases to deposits | 191.1548% | 10 |
| Net loans and leases to core deposits | 3,029.3962% | 5 |
| Total domestic deposits to total assets | 37.9455% | 4,997 |
| Equity capital to assets | 16.0083% | 463 |
| Core capital (leverage) ratio | 17.5681% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7422% | 601 |
| Memoranda: | ||
| Average total assets | $11,776,396,250 | 136 |
| Average earning assets | $10,700,661,750 | 137 |
| Average equity | $1,639,242,500 | 127 |
| Average total loans | $9,849,759,250 | 115 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.9918% | 1 |
| Cost of funding earning assets | 2.3139% | 4 |
| Net interest margin | 21.6779% | 1 |
| Noninterest income to average assets | -1.0122% | 5,059 |
| Noninterest expense to average assets | 8.8411% | 84 |
| Loan and lease loss provision to assets | 7.6733% | 6 |
| Net operating income to assets | 1.9463% | 371 |
| Return on assets (ROA) | 1.9495% | 408 |
| Pretax return on assets | 2.4226% | 240 |
| Return on Equity (ROE) | 14.6023% | 772 |
| Retained earnings to average equity (ytd only) | 5.4983% | 2,276 |
| Net charge-offs to loans | 7.4229% | 6 |
| Credit loss provision to net charge-offs | 123.8338% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.6286% | 2,839 |
| Efficiency ratio | 45.5325% | 4,752 |
| Assets per employee ($millions) | 22.9917% | 65 |
| Cash dividends to net income (ytd only)* | 62.3462% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.4746% | 4 |
| Loan loss allowance to noncurrent loans | 421.6935% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 2.6132% | 208 |
| Noncurrent loans to loans | 3.1953% | 282 |
| Net loans and leases to total assets | 70.7618% | 1,914 |
| Net loans and leases to deposits | 179.9536% | 13 |
| Net loans and leases to core deposits | 2,972.7522% | 5 |
| Total domestic deposits to total assets | 39.3222% | 5,025 |
| Equity capital to assets | 14.5896% | 714 |
| Core capital (leverage) ratio | 15.5921% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0914% | 661 |
| Memoranda: | ||
| Average total assets | $12,340,923,667 | 131 |
| Average earning assets | $11,354,485,000 | 130 |
| Average equity | $1,647,628,000 | 126 |
| Average total loans | $10,301,900,333 | 111 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.6487% | 1 |
| Cost of funding earning assets | 2.3743% | 5 |
| Net interest margin | 24.2744% | 3 |
| Noninterest income to average assets | -0.8498% | 5,099 |
| Noninterest expense to average assets | 8.7318% | 87 |
| Loan and lease loss provision to assets | 11.5175% | 3 |
| Net operating income to assets | 1.4085% | 957 |
| Return on assets (ROA) | 1.4134% | 1,028 |
| Pretax return on assets | 1.4658% | 1,396 |
| Return on Equity (ROE) | 11.0138% | 1,407 |
| Retained earnings to average equity (ytd only) | -6.8991% | 4,641 |
| Net charge-offs to loans | 7.2182% | 9 |
| Credit loss provision to net charge-offs | 189.5329% | 1,450 |
| Earnings coverage of net charge-offs (x) | 2.1357% | 2,313 |
| Efficiency ratio | 39.2347% | 4,990 |
| Assets per employee ($millions) | 25.0383% | 47 |
| Cash dividends to net income (ytd only)* | 162.6404% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7263% | 6 |
| Loan loss allowance to noncurrent loans | 308.4378% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 3.4437% | 141 |
| Noncurrent loans to loans | 4.1261% | 181 |
| Net loans and leases to total assets | 72.8407% | 1,798 |
| Net loans and leases to deposits | 186.2550% | 4 |
| Net loans and leases to core deposits | 3,109.8737% | 5 |
| Total domestic deposits to total assets | 39.1080% | 5,076 |
| Equity capital to assets | 12.5055% | 1,727 |
| Core capital (leverage) ratio | 13.2926% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0616% | 1,140 |
| Memoranda: | ||
| Average total assets | $13,050,853,500 | 122 |
| Average earning assets | $12,129,066,000 | 119 |
| Average equity | $1,674,772,500 | 124 |
| Average total loans | $10,987,148,500 | 105 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.8893% | 2 |
| Cost of funding earning assets | 2.3932% | 11 |
| Net interest margin | 22.4961% | 3 |
| Noninterest income to average assets | -1.3506% | 5,174 |
| Noninterest expense to average assets | 9.9789% | 71 |
| Loan and lease loss provision to assets | 5.4602% | 8 |
| Net operating income to assets | 3.2715% | 67 |
| Return on assets (ROA) | 3.2732% | 71 |
| Pretax return on assets | 4.2231% | 60 |
| Return on Equity (ROE) | 24.2624% | 89 |
| Retained earnings to average equity (ytd only) | -1.5374% | 4,850 |
| Net charge-offs to loans | 5.9733% | 10 |
| Credit loss provision to net charge-offs | 109.8003% | 2,269 |
| Earnings coverage of net charge-offs (x) | 1.9468% | 3,469 |
| Efficiency ratio | 49.5144% | 4,757 |
| Assets per employee ($millions) | 26.9984% | 41 |
| Cash dividends to net income (ytd only)* | 106.3366% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1816% | 21 |
| Loan loss allowance to noncurrent loans | 160.5556% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 3.2656% | 152 |
| Noncurrent loans to loans | 3.8501% | 194 |
| Net loans and leases to total assets | 79.5747% | 842 |
| Net loans and leases to deposits | 215.8276% | 4 |
| Net loans and leases to core deposits | 4,194.1196% | 5 |
| Total domestic deposits to total assets | 36.8696% | 5,141 |
| Equity capital to assets | 13.1173% | 1,451 |
| Core capital (leverage) ratio | 12.9390% | 1,258 |
| Tier 1 risk-based capital ratio | 14.6172% | 2,951 |
| Total risk-based capital ratio | 15.9261% | 2,827 |
| Memoranda: | ||
| Average total assets | $13,790,504,000 | 113 |
| Average earning assets | $12,879,879,200 | 109 |
| Average equity | $1,860,483,000 | 111 |
| Average total loans | $11,480,920,200 | 96 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.8758% | 2 |
| Cost of funding earning assets | 2.4190% | 11 |
| Net interest margin | 22.4568% | 2 |
| Noninterest income to average assets | -1.3571% | 5,250 |
| Noninterest expense to average assets | 9.9447% | 73 |
| Loan and lease loss provision to assets | 5.1034% | 8 |
| Net operating income to assets | 3.5229% | 58 |
| Return on assets (ROA) | 3.5256% | 62 |
| Pretax return on assets | 4.5038% | 54 |
| Return on Equity (ROE) | 25.9505% | 73 |
| Retained earnings to average equity (ytd only) | 0.9672% | 4,572 |
| Net charge-offs to loans | 5.9577% | 9 |
| Credit loss provision to net charge-offs | 103.3862% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.9456% | 3,237 |
| Efficiency ratio | 49.6152% | 4,767 |
| Assets per employee ($millions) | 21.9971% | 52 |
| Cash dividends to net income (ytd only)* | 96.2729% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0110% | 22 |
| Loan loss allowance to noncurrent loans | 153.5799% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 3.1853% | 166 |
| Noncurrent loans to loans | 3.9140% | 180 |
| Net loans and leases to total assets | 76.4913% | 1,399 |
| Net loans and leases to deposits | 198.3458% | 6 |
| Net loans and leases to core deposits | 4,103.6382% | 6 |
| Total domestic deposits to total assets | 38.5646% | 5,217 |
| Equity capital to assets | 13.5408% | 1,339 |
| Core capital (leverage) ratio | 13.0392% | 1,322 |
| Tier 1 risk-based capital ratio | 14.9975% | 2,848 |
| Total risk-based capital ratio | 16.3014% | 2,750 |
| Memoranda: | ||
| Average total assets | $13,748,592,000 | 112 |
| Average earning assets | $12,798,867,500 | 109 |
| Average equity | $1,867,871,750 | 112 |
| Average total loans | $11,391,400,500 | 96 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.1338% | 2 |
| Cost of funding earning assets | 2.3711% | 9 |
| Net interest margin | 21.7626% | 2 |
| Noninterest income to average assets | -1.3018% | 5,296 |
| Noninterest expense to average assets | 10.0720% | 69 |
| Loan and lease loss provision to assets | 4.9009% | 8 |
| Net operating income to assets | 3.3914% | 68 |
| Return on assets (ROA) | 3.3947% | 73 |
| Pretax return on assets | 4.1627% | 59 |
| Return on Equity (ROE) | 24.9587% | 94 |
| Retained earnings to average equity (ytd only) | 0.8428% | 4,480 |
| Net charge-offs to loans | 6.1775% | 6 |
| Credit loss provision to net charge-offs | 95.1826% | 2,075 |
| Earnings coverage of net charge-offs (x) | 1.7595% | 2,994 |
| Efficiency ratio | 51.4638% | 4,689 |
| Assets per employee ($millions) | 21.7640% | 47 |
| Cash dividends to net income (ytd only)* | 96.6233% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6437% | 23 |
| Loan loss allowance to noncurrent loans | 175.6429% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 2.6641% | 262 |
| Noncurrent loans to loans | 3.2132% | 296 |
| Net loans and leases to total assets | 78.2329% | 1,178 |
| Net loans and leases to deposits | 204.9599% | 7 |
| Net loans and leases to core deposits | 4,329.6529% | 6 |
| Total domestic deposits to total assets | 38.1699% | 5,265 |
| Equity capital to assets | 13.5896% | 1,284 |
| Core capital (leverage) ratio | 13.7351% | 1,043 |
| Tier 1 risk-based capital ratio | 15.2677% | 2,729 |
| Total risk-based capital ratio | 16.5696% | 2,633 |
| Memoranda: | ||
| Average total assets | $13,719,387,000 | 112 |
| Average earning assets | $12,881,425,670 | 110 |
| Average equity | $1,865,984,330 | 112 |
| Average total loans | $11,435,083,000 | 96 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5522% | 1 |
| Cost of funding earning assets | 2.4327% | 9 |
| Net interest margin | 22.1195% | 2 |
| Noninterest income to average assets | -1.1554% | 5,355 |
| Noninterest expense to average assets | 10.6043% | 58 |
| Loan and lease loss provision to assets | 5.0707% | 8 |
| Net operating income to assets | 3.5819% | 63 |
| Return on assets (ROA) | 3.5852% | 66 |
| Pretax return on assets | 3.9883% | 73 |
| Return on Equity (ROE) | 26.3485% | 84 |
| Retained earnings to average equity (ytd only) | 4.9104% | 2,946 |
| Net charge-offs to loans | 6.3372% | 8 |
| Credit loss provision to net charge-offs | 95.7461% | 1,661 |
| Earnings coverage of net charge-offs (x) | 1.7099% | 2,566 |
| Efficiency ratio | 52.6069% | 4,649 |
| Assets per employee ($millions) | 20.4833% | 50 |
| Cash dividends to net income (ytd only)* | 81.3637% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0506% | 22 |
| Loan loss allowance to noncurrent loans | 161.7387% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 3.1072% | 200 |
| Noncurrent loans to loans | 3.7410% | 228 |
| Net loans and leases to total assets | 78.0338% | 1,140 |
| Net loans and leases to deposits | 207.8021% | 6 |
| Net loans and leases to core deposits | 4,201.7383% | 7 |
| Total domestic deposits to total assets | 37.5520% | 5,326 |
| Equity capital to assets | 14.2642% | 948 |
| Core capital (leverage) ratio | 13.2144% | 1,180 |
| Tier 1 risk-based capital ratio | 16.3018% | 2,338 |
| Total risk-based capital ratio | 17.6090% | 2,259 |
| Memoranda: | ||
| Average total assets | $13,712,548,500 | 112 |
| Average earning assets | $12,903,913,000 | 110 |
| Average equity | $1,865,839,500 | 111 |
| Average total loans | $11,459,430,500 | 97 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5612% | 2 |
| Cost of funding earning assets | 2.1690% | 7 |
| Net interest margin | 22.3922% | 2 |
| Noninterest income to average assets | -0.7826% | 5,401 |
| Noninterest expense to average assets | 9.7211% | 68 |
| Loan and lease loss provision to assets | 4.5686% | 10 |
| Net operating income to assets | 4.2442% | 43 |
| Return on assets (ROA) | 4.2443% | 43 |
| Pretax return on assets | 5.7701% | 39 |
| Return on Equity (ROE) | 33.5460% | 23 |
| Retained earnings to average equity (ytd only) | 3.3447% | 3,740 |
| Net charge-offs to loans | 6.0959% | 10 |
| Credit loss provision to net charge-offs | 90.3644% | 2,714 |
| Earnings coverage of net charge-offs (x) | 2.0449% | 3,560 |
| Efficiency ratio | 47.1579% | 5,080 |
| Assets per employee ($millions) | 21.8624% | 45 |
| Cash dividends to net income (ytd only)* | 90.0294% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5899% | 25 |
| Loan loss allowance to noncurrent loans | 145.1248% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 3.2370% | 175 |
| Noncurrent loans to loans | 3.8518% | 199 |
| Net loans and leases to total assets | 79.3421% | 1,044 |
| Net loans and leases to deposits | 214.0365% | 7 |
| Net loans and leases to core deposits | 4,883.6963% | 7 |
| Total domestic deposits to total assets | 37.0694% | 5,370 |
| Equity capital to assets | 12.9994% | 1,347 |
| Core capital (leverage) ratio | 13.1229% | 1,199 |
| Tier 1 risk-based capital ratio | 14.5947% | 3,021 |
| Total risk-based capital ratio | 15.8962% | 2,917 |
| Memoranda: | ||
| Average total assets | $14,131,924,800 | 106 |
| Average earning assets | $13,153,751,400 | 103 |
| Average equity | $1,788,006,400 | 106 |
| Average total loans | $11,720,585,600 | 89 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.7460% | 2 |
| Cost of funding earning assets | 2.1257% | 7 |
| Net interest margin | 22.6202% | 2 |
| Noninterest income to average assets | -0.4631% | 5,465 |
| Noninterest expense to average assets | 9.6764% | 67 |
| Loan and lease loss provision to assets | 4.7275% | 11 |
| Net operating income to assets | 4.5050% | 44 |
| Return on assets (ROA) | 4.5045% | 44 |
| Pretax return on assets | 6.1237% | 37 |
| Return on Equity (ROE) | 35.8511% | 23 |
| Retained earnings to average equity (ytd only) | -2.1516% | 5,210 |
| Net charge-offs to loans | 6.3420% | 11 |
| Credit loss provision to net charge-offs | 90.1820% | 2,421 |
| Earnings coverage of net charge-offs (x) | 2.0701% | 3,285 |
| Efficiency ratio | 45.8541% | 5,152 |
| Assets per employee ($millions) | 21.0138% | 47 |
| Cash dividends to net income (ytd only)* | 106.0014% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9434% | 24 |
| Loan loss allowance to noncurrent loans | 156.2857% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 3.1334% | 220 |
| Noncurrent loans to loans | 3.8029% | 234 |
| Net loans and leases to total assets | 77.4988% | 1,415 |
| Net loans and leases to deposits | 200.0945% | 6 |
| Net loans and leases to core deposits | 5,416.3634% | 7 |
| Total domestic deposits to total assets | 38.7311% | 5,442 |
| Equity capital to assets | 12.7310% | 1,446 |
| Core capital (leverage) ratio | 12.1789% | 1,678 |
| Tier 1 risk-based capital ratio | 14.1109% | 3,311 |
| Total risk-based capital ratio | 15.4148% | 3,203 |
| Memoranda: | ||
| Average total assets | $14,101,328,250 | 106 |
| Average earning assets | $13,085,853,000 | 103 |
| Average equity | $1,771,763,500 | 107 |
| Average total loans | $11,655,908,750 | 89 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.2107% | 2 |
| Cost of funding earning assets | 2.0499% | 7 |
| Net interest margin | 22.1607% | 2 |
| Noninterest income to average assets | -0.1640% | 5,519 |
| Noninterest expense to average assets | 9.4645% | 71 |
| Loan and lease loss provision to assets | 5.5542% | 10 |
| Net operating income to assets | 3.8483% | 48 |
| Return on assets (ROA) | 3.8485% | 48 |
| Pretax return on assets | 5.4682% | 39 |
| Return on Equity (ROE) | 30.7611% | 34 |
| Retained earnings to average equity (ytd only) | -4.6669% | 5,275 |
| Net charge-offs to loans | 6.4146% | 11 |
| Credit loss provision to net charge-offs | 104.6441% | 1,953 |
| Earnings coverage of net charge-offs (x) | 2.0767% | 3,000 |
| Efficiency ratio | 44.9224% | 5,258 |
| Assets per employee ($millions) | 22.0791% | 43 |
| Cash dividends to net income (ytd only)* | 115.1716% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5119% | 22 |
| Loan loss allowance to noncurrent loans | 192.5958% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8806% | 271 |
| Noncurrent loans to loans | 3.3811% | 302 |
| Net loans and leases to total assets | 79.6494% | 1,074 |
| Net loans and leases to deposits | 204.4633% | 5 |
| Net loans and leases to core deposits | 5,176.2338% | 7 |
| Total domestic deposits to total assets | 38.9554% | 5,505 |
| Equity capital to assets | 12.9362% | 1,328 |
| Core capital (leverage) ratio | 12.2317% | 1,582 |
| Tier 1 risk-based capital ratio | 14.2993% | 3,207 |
| Total risk-based capital ratio | 15.6127% | 3,096 |
| Memoranda: | ||
| Average total assets | $14,213,748,000 | 106 |
| Average earning assets | $13,245,179,330 | 103 |
| Average equity | $1,778,250,000 | 106 |
| Average total loans | $11,760,869,670 | 89 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.7407% | 2 |
| Cost of funding earning assets | 1.9903% | 6 |
| Net interest margin | 21.7503% | 2 |
| Noninterest income to average assets | -0.2298% | 5,599 |
| Noninterest expense to average assets | 9.3196% | 76 |
| Loan and lease loss provision to assets | 5.6295% | 11 |
| Net operating income to assets | 3.6805% | 56 |
| Return on assets (ROA) | 3.6805% | 56 |
| Pretax return on assets | 5.0022% | 47 |
| Return on Equity (ROE) | 29.8863% | 42 |
| Retained earnings to average equity (ytd only) | 7.6352% | 1,975 |
| Net charge-offs to loans | 6.6872% | 11 |
| Credit loss provision to net charge-offs | 103.1496% | 1,511 |
| Earnings coverage of net charge-offs (x) | 1.9481% | 2,503 |
| Efficiency ratio | 45.4362% | 5,302 |
| Assets per employee ($millions) | 23.6893% | 41 |
| Cash dividends to net income (ytd only)* | 74.4524% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4307% | 21 |
| Loan loss allowance to noncurrent loans | 189.9693% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 2.7534% | 315 |
| Noncurrent loans to loans | 3.3851% | 316 |
| Net loans and leases to total assets | 76.1086% | 1,525 |
| Net loans and leases to deposits | 208.7488% | 6 |
| Net loans and leases to core deposits | 5,572.9807% | 8 |
| Total domestic deposits to total assets | 36.4594% | 5,568 |
| Equity capital to assets | 12.8311% | 1,326 |
| Core capital (leverage) ratio | 12.1217% | 1,578 |
| Tier 1 risk-based capital ratio | 14.2341% | 3,261 |
| Total risk-based capital ratio | 15.5436% | 3,148 |
| Memoranda: | ||
| Average total assets | $14,597,547,000 | 102 |
| Average earning assets | $13,544,390,500 | 100 |
| Average equity | $1,797,666,000 | 105 |
| Average total loans | $11,913,417,500 | 89 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.0675% | 2 |
| Cost of funding earning assets | 1.7297% | 7 |
| Net interest margin | 23.3378% | 2 |
| Noninterest income to average assets | -0.1699% | 5,650 |
| Noninterest expense to average assets | 9.9609% | 71 |
| Loan and lease loss provision to assets | 5.8077% | 9 |
| Net operating income to assets | 3.7161% | 51 |
| Return on assets (ROA) | 3.7161% | 51 |
| Pretax return on assets | 5.8602% | 37 |
| Return on Equity (ROE) | 27.7021% | 49 |
| Retained earnings to average equity (ytd only) | 14.2317% | 99 |
| Net charge-offs to loans | 6.0043% | 10 |
| Credit loss provision to net charge-offs | 112.0560% | 2,324 |
| Earnings coverage of net charge-offs (x) | 2.2512% | 3,773 |
| Efficiency ratio | 44.6481% | 5,434 |
| Assets per employee ($millions) | 25.9081% | 36 |
| Cash dividends to net income (ytd only)* | 48.6259% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8707% | 23 |
| Loan loss allowance to noncurrent loans | 182.4138% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 2.6348% | 336 |
| Noncurrent loans to loans | 3.2183% | 330 |
| Net loans and leases to total assets | 77.0628% | 1,419 |
| Net loans and leases to deposits | 213.5809% | 5 |
| Net loans and leases to core deposits | 6,693.7655% | 6 |
| Total domestic deposits to total assets | 36.0813% | 5,634 |
| Equity capital to assets | 11.8298% | 1,962 |
| Core capital (leverage) ratio | 12.2719% | 1,464 |
| Tier 1 risk-based capital ratio | 13.4914% | 3,631 |
| Total risk-based capital ratio | 14.7968% | 3,512 |
| Memoranda: | ||
| Average total assets | $12,451,539,600 | 108 |
| Average earning assets | $11,630,324,200 | 107 |
| Average equity | $1,670,328,800 | 106 |
| Average total loans | $10,748,056,200 | 94 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.3165% | 1 |
| Cost of funding earning assets | 1.6910% | 8 |
| Net interest margin | 24.6255% | 2 |
| Noninterest income to average assets | -0.3920% | 5,728 |
| Noninterest expense to average assets | 10.2624% | 70 |
| Loan and lease loss provision to assets | 5.7386% | 9 |
| Net operating income to assets | 4.0319% | 51 |
| Return on assets (ROA) | 4.0319% | 52 |
| Pretax return on assets | 6.5384% | 37 |
| Return on Equity (ROE) | 28.9650% | 35 |
| Retained earnings to average equity (ytd only) | 18.8196% | 61 |
| Net charge-offs to loans | 6.0166% | 10 |
| Credit loss provision to net charge-offs | 108.7099% | 2,154 |
| Earnings coverage of net charge-offs (x) | 2.3257% | 3,478 |
| Efficiency ratio | 44.0388% | 5,480 |
| Assets per employee ($millions) | 22.3652% | 42 |
| Cash dividends to net income (ytd only)* | 35.0265% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4564% | 19 |
| Loan loss allowance to noncurrent loans | 179.5007% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 2.9403% | 309 |
| Noncurrent loans to loans | 3.5969% | 300 |
| Net loans and leases to total assets | 76.4679% | 1,507 |
| Net loans and leases to deposits | 194.0328% | 6 |
| Net loans and leases to core deposits | 7,196.4493% | 6 |
| Total domestic deposits to total assets | 39.4098% | 5,700 |
| Equity capital to assets | 13.8490% | 1,035 |
| Core capital (leverage) ratio | 14.3813% | 797 |
| Tier 1 risk-based capital ratio | 15.6017% | 2,669 |
| Total risk-based capital ratio | 16.9115% | 2,592 |
| Memoranda: | ||
| Average total assets | $11,801,273,500 | 110 |
| Average earning assets | $10,989,387,000 | 108 |
| Average equity | $1,642,737,750 | 106 |
| Average total loans | $10,354,211,750 | 94 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.6525% | 1 |
| Cost of funding earning assets | 1.6463% | 8 |
| Net interest margin | 25.0062% | 1 |
| Noninterest income to average assets | -0.5235% | 5,779 |
| Noninterest expense to average assets | 10.1689% | 69 |
| Loan and lease loss provision to assets | 6.5668% | 7 |
| Net operating income to assets | 3.8788% | 58 |
| Return on assets (ROA) | 3.8788% | 60 |
| Pretax return on assets | 6.1900% | 40 |
| Return on Equity (ROE) | 27.8118% | 51 |
| Retained earnings to average equity (ytd only) | 18.4293% | 72 |
| Net charge-offs to loans | 6.2432% | 13 |
| Credit loss provision to net charge-offs | 116.9069% | 1,816 |
| Earnings coverage of net charge-offs (x) | 2.2711% | 3,181 |
| Efficiency ratio | 42.6657% | 5,557 |
| Assets per employee ($millions) | 20.3605% | 48 |
| Cash dividends to net income (ytd only)* | 33.7356% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7753% | 17 |
| Loan loss allowance to noncurrent loans | 226.9998% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 2.6150% | 393 |
| Noncurrent loans to loans | 2.9847% | 436 |
| Net loans and leases to total assets | 81.6748% | 713 |
| Net loans and leases to deposits | 222.9919% | 7 |
| Net loans and leases to core deposits | 10,377.2377% | 7 |
| Total domestic deposits to total assets | 36.6268% | 5,748 |
| Equity capital to assets | 14.5294% | 817 |
| Core capital (leverage) ratio | 14.3356% | 775 |
| Tier 1 risk-based capital ratio | 15.3378% | 2,784 |
| Total risk-based capital ratio | 16.6521% | 2,687 |
| Memoranda: | ||
| Average total assets | $11,463,280,670 | 111 |
| Average earning assets | $10,749,476,000 | 110 |
| Average equity | $1,598,723,670 | 105 |
| Average total loans | $10,313,644,000 | 94 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.5507% | 1 |
| Cost of funding earning assets | 1.5805% | 10 |
| Net interest margin | 24.9702% | 1 |
| Noninterest income to average assets | -0.3863% | 5,850 |
| Noninterest expense to average assets | 10.4345% | 65 |
| Loan and lease loss provision to assets | 7.1528% | 3 |
| Net operating income to assets | 3.5590% | 67 |
| Return on assets (ROA) | 3.5590% | 67 |
| Pretax return on assets | 5.7616% | 45 |
| Return on Equity (ROE) | 26.0755% | 75 |
| Retained earnings to average equity (ytd only) | 6.7643% | 1,946 |
| Net charge-offs to loans | 6.3991% | 12 |
| Credit loss provision to net charge-offs | 122.5941% | 1,372 |
| Earnings coverage of net charge-offs (x) | 2.2134% | 2,622 |
| Efficiency ratio | 43.0217% | 5,624 |
| Assets per employee ($millions) | 18.9443% | 53 |
| Cash dividends to net income (ytd only)* | 74.0587% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7496% | 21 |
| Loan loss allowance to noncurrent loans | 214.4954% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 2.8662% | 362 |
| Noncurrent loans to loans | 3.1467% | 415 |
| Net loans and leases to total assets | 84.9372% | 293 |
| Net loans and leases to deposits | 243.2347% | 8 |
| Net loans and leases to core deposits | 18,324.8971% | 7 |
| Total domestic deposits to total assets | 34.9199% | 5,817 |
| Equity capital to assets | 14.3109% | 811 |
| Core capital (leverage) ratio | 13.4072% | 1,002 |
| Tier 1 risk-based capital ratio | 15.0652% | 2,935 |
| Total risk-based capital ratio | 16.3828% | 2,838 |
| Memoranda: | ||
| Average total assets | $11,382,003,500 | 111 |
| Average earning assets | $10,819,043,500 | 108 |
| Average equity | $1,553,503,000 | 106 |
| Average total loans | $10,377,725,000 | 93 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.1109% | 2 |
| Cost of funding earning assets | 1.5192% | 15 |
| Net interest margin | 25.5917% | 2 |
| Noninterest income to average assets | -0.3381% | 5,904 |
| Noninterest expense to average assets | 11.1191% | 66 |
| Loan and lease loss provision to assets | 5.7542% | 6 |
| Net operating income to assets | 4.2761% | 43 |
| Return on assets (ROA) | 4.2761% | 44 |
| Pretax return on assets | 6.8841% | 34 |
| Return on Equity (ROE) | 30.2270% | 35 |
| Retained earnings to average equity (ytd only) | 1.1596% | 4,829 |
| Net charge-offs to loans | 5.1734% | 8 |
| Credit loss provision to net charge-offs | 121.4841% | 2,185 |
| Earnings coverage of net charge-offs (x) | 2.6682% | 3,789 |
| Efficiency ratio | 45.2361% | 5,663 |
| Assets per employee ($millions) | 20.8364% | 43 |
| Cash dividends to net income (ytd only)* | 96.1638% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8494% | 26 |
| Loan loss allowance to noncurrent loans | 192.0356% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 2.7798% | 395 |
| Noncurrent loans to loans | 3.0460% | 444 |
| Net loans and leases to total assets | 85.9232% | 234 |
| Net loans and leases to deposits | 243.0323% | 8 |
| Net loans and leases to core deposits | 20,396.9699% | 6 |
| Total domestic deposits to total assets | 35.3547% | 5,875 |
| Equity capital to assets | 13.0351% | 1,240 |
| Core capital (leverage) ratio | 12.9667% | 1,145 |
| Tier 1 risk-based capital ratio | 13.5815% | 3,717 |
| Total risk-based capital ratio | 14.8875% | 3,586 |
| Memoranda: | ||
| Average total assets | $10,821,715,800 | 108 |
| Average earning assets | $10,189,030,200 | 106 |
| Average equity | $1,530,921,600 | 104 |
| Average total loans | $9,907,943,600 | 93 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.3750% | 2 |
| Cost of funding earning assets | 1.5108% | 15 |
| Net interest margin | 25.8641% | 2 |
| Noninterest income to average assets | -0.2429% | 5,969 |
| Noninterest expense to average assets | 11.2124% | 61 |
| Loan and lease loss provision to assets | 5.6461% | 3 |
| Net operating income to assets | 4.4922% | 42 |
| Return on assets (ROA) | 4.4922% | 42 |
| Pretax return on assets | 7.1876% | 31 |
| Return on Equity (ROE) | 31.0721% | 33 |
| Retained earnings to average equity (ytd only) | 7.0864% | 1,582 |
| Net charge-offs to loans | 5.0927% | 11 |
| Credit loss provision to net charge-offs | 120.9828% | 2,075 |
| Earnings coverage of net charge-offs (x) | 2.7499% | 3,527 |
| Efficiency ratio | 45.0991% | 5,705 |
| Assets per employee ($millions) | 16.9065% | 60 |
| Cash dividends to net income (ytd only)* | 77.1936% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9304% | 30 |
| Loan loss allowance to noncurrent loans | 189.1590% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 2.8428% | 431 |
| Noncurrent loans to loans | 3.1351% | 460 |
| Net loans and leases to total assets | 85.2978% | 304 |
| Net loans and leases to deposits | 237.7402% | 8 |
| Net loans and leases to core deposits | 13,509.4621% | 7 |
| Total domestic deposits to total assets | 35.8786% | 5,943 |
| Equity capital to assets | 14.6639% | 824 |
| Core capital (leverage) ratio | 14.4550% | 728 |
| Tier 1 risk-based capital ratio | 15.0847% | 3,010 |
| Total risk-based capital ratio | 16.3907% | 2,916 |
| Memoranda: | ||
| Average total assets | $10,573,587,750 | 109 |
| Average earning assets | $9,929,647,500 | 106 |
| Average equity | $1,528,652,500 | 103 |
| Average total loans | $9,689,471,000 | 94 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.7547% | 2 |
| Cost of funding earning assets | 1.4926% | 19 |
| Net interest margin | 25.2620% | 2 |
| Noninterest income to average assets | -0.2030% | 6,039 |
| Noninterest expense to average assets | 11.3916% | 62 |
| Loan and lease loss provision to assets | 5.1755% | 4 |
| Net operating income to assets | 4.3057% | 45 |
| Return on assets (ROA) | 4.3057% | 44 |
| Pretax return on assets | 6.9630% | 34 |
| Return on Equity (ROE) | 29.9318% | 45 |
| Retained earnings to average equity (ytd only) | -3.3232% | 5,657 |
| Net charge-offs to loans | 5.3544% | 14 |
| Credit loss provision to net charge-offs | 105.0932% | 2,027 |
| Earnings coverage of net charge-offs (x) | 2.4648% | 3,268 |
| Efficiency ratio | 46.8594% | 5,718 |
| Assets per employee ($millions) | 16.5842% | 64 |
| Cash dividends to net income (ytd only)* | 111.1027% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4727% | 36 |
| Loan loss allowance to noncurrent loans | 212.6526% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 2.3606% | 623 |
| Noncurrent loans to loans | 2.5736% | 659 |
| Net loans and leases to total assets | 86.7063% | 205 |
| Net loans and leases to deposits | 257.6831% | 7 |
| Net loans and leases to core deposits | 13,787.5276% | 5 |
| Total domestic deposits to total assets | 33.6484% | 6,025 |
| Equity capital to assets | 14.3480% | 918 |
| Core capital (leverage) ratio | 13.6712% | 919 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,170 |
| Total risk-based capital ratio | 16.0696% | 3,098 |
| Memoranda: | ||
| Average total assets | $10,451,945,000 | 108 |
| Average earning assets | $9,819,373,330 | 108 |
| Average equity | $1,503,531,670 | 104 |
| Average total loans | $9,613,123,000 | 94 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.2068% | 1 |
| Cost of funding earning assets | 1.4791% | 18 |
| Net interest margin | 24.7277% | 2 |
| Noninterest income to average assets | 0.2020% | 5,291 |
| Noninterest expense to average assets | 10.9965% | 65 |
| Loan and lease loss provision to assets | 4.6170% | 9 |
| Net operating income to assets | 4.8176% | 44 |
| Return on assets (ROA) | 4.8176% | 43 |
| Pretax return on assets | 7.7211% | 31 |
| Return on Equity (ROE) | 33.4471% | 36 |
| Retained earnings to average equity (ytd only) | -6.3687% | 5,687 |
| Net charge-offs to loans | 5.8241% | 12 |
| Credit loss provision to net charge-offs | 86.0751% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.3002% | 2,708 |
| Efficiency ratio | 45.5585% | 5,828 |
| Assets per employee ($millions) | 16.0195% | 72 |
| Cash dividends to net income (ytd only)* | 119.0410% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2720% | 44 |
| Loan loss allowance to noncurrent loans | 209.7352% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 2.2693% | 703 |
| Noncurrent loans to loans | 2.5137% | 746 |
| Net loans and leases to total assets | 85.5179% | 256 |
| Net loans and leases to deposits | 293.7268% | 6 |
| Net loans and leases to core deposits | 15,636.0768% | 4 |
| Total domestic deposits to total assets | 29.1148% | 6,092 |
| Equity capital to assets | 14.5019% | 837 |
| Core capital (leverage) ratio | 13.6568% | 927 |
| Tier 1 risk-based capital ratio | 14.5999% | 3,342 |
| Total risk-based capital ratio | 15.8965% | 3,256 |
| Memoranda: | ||
| Average total assets | $10,462,177,000 | 109 |
| Average earning assets | $9,787,310,500 | 108 |
| Average equity | $1,506,943,000 | 105 |
| Average total loans | $9,635,479,000 | 92 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.2107% | 1 |
| Cost of funding earning assets | 1.3711% | 26 |
| Net interest margin | 24.8396% | 1 |
| Noninterest income to average assets | 0.1685% | 5,573 |
| Noninterest expense to average assets | 11.0025% | 69 |
| Loan and lease loss provision to assets | 4.5930% | 6 |
| Net operating income to assets | 5.0504% | 44 |
| Return on assets (ROA) | 5.0504% | 45 |
| Pretax return on assets | 8.2223% | 29 |
| Return on Equity (ROE) | 33.6907% | 42 |
| Retained earnings to average equity (ytd only) | 17.6089% | 83 |
| Net charge-offs to loans | 4.2351% | 12 |
| Credit loss provision to net charge-offs | 115.8362% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.2320% | 3,754 |
| Efficiency ratio | 44.4413% | 5,969 |
| Assets per employee ($millions) | 17.0543% | 59 |
| Cash dividends to net income (ytd only)* | 47.7335% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1273% | 46 |
| Loan loss allowance to noncurrent loans | 186.2012% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 2.5848% | 583 |
| Noncurrent loans to loans | 2.7536% | 635 |
| Net loans and leases to total assets | 89.0562% | 89 |
| Net loans and leases to deposits | 324.9549% | 4 |
| Net loans and leases to core deposits | 22,340.4909% | 5 |
| Total domestic deposits to total assets | 27.4057% | 6,150 |
| Equity capital to assets | 14.3083% | 830 |
| Core capital (leverage) ratio | 14.7991% | 654 |
| Tier 1 risk-based capital ratio | 14.3791% | 3,506 |
| Total risk-based capital ratio | 15.6761% | 3,393 |
| Memoranda: | ||
| Average total assets | $9,333,308,800 | 118 |
| Average earning assets | $8,886,045,600 | 110 |
| Average equity | $1,399,103,000 | 104 |
| Average total loans | $8,738,316,600 | 97 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.7653% | 1 |
| Cost of funding earning assets | 1.3805% | 28 |
| Net interest margin | 25.3848% | 1 |
| Noninterest income to average assets | 0.3525% | 4,421 |
| Noninterest expense to average assets | 11.1227% | 73 |
| Loan and lease loss provision to assets | 4.4438% | 5 |
| Net operating income to assets | 5.5238% | 42 |
| Return on assets (ROA) | 5.5238% | 42 |
| Pretax return on assets | 8.9541% | 29 |
| Return on Equity (ROE) | 36.3618% | 31 |
| Retained earnings to average equity (ytd only) | 24.1916% | 47 |
| Net charge-offs to loans | 4.2081% | 15 |
| Credit loss provision to net charge-offs | 112.8778% | 2,075 |
| Earnings coverage of net charge-offs (x) | 3.4032% | 3,503 |
| Efficiency ratio | 43.5869% | 6,050 |
| Assets per employee ($millions) | 14.7730% | 86 |
| Cash dividends to net income (ytd only)* | 33.4697% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4986% | 49 |
| Loan loss allowance to noncurrent loans | 190.2479% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 2.6895% | 610 |
| Noncurrent loans to loans | 2.8902% | 629 |
| Net loans and leases to total assets | 87.9391% | 144 |
| Net loans and leases to deposits | 302.1844% | 6 |
| Net loans and leases to core deposits | 21,381.0758% | 6 |
| Total domestic deposits to total assets | 29.1011% | 6,236 |
| Equity capital to assets | 16.3216% | 520 |
| Core capital (leverage) ratio | 15.6015% | 545 |
| Tier 1 risk-based capital ratio | 16.4963% | 2,577 |
| Total risk-based capital ratio | 17.7979% | 2,508 |
| Memoranda: | ||
| Average total assets | $9,014,687,000 | 122 |
| Average earning assets | $8,582,662,250 | 117 |
| Average equity | $1,369,430,750 | 109 |
| Average total loans | $8,433,534,000 | 101 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.3771% | 2 |
| Cost of funding earning assets | 1.3949% | 28 |
| Net interest margin | 24.9822% | 2 |
| Noninterest income to average assets | 0.4542% | 3,669 |
| Noninterest expense to average assets | 11.1233% | 72 |
| Loan and lease loss provision to assets | 4.2656% | 6 |
| Net operating income to assets | 5.5064% | 42 |
| Return on assets (ROA) | 5.5064% | 42 |
| Pretax return on assets | 8.8707% | 34 |
| Return on Equity (ROE) | 37.2109% | 30 |
| Retained earnings to average equity (ytd only) | 18.2652% | 98 |
| Net charge-offs to loans | 4.2882% | 18 |
| Credit loss provision to net charge-offs | 106.1305% | 1,972 |
| Earnings coverage of net charge-offs (x) | 3.2684% | 3,213 |
| Efficiency ratio | 44.0297% | 6,110 |
| Assets per employee ($millions) | 15.1902% | 74 |
| Cash dividends to net income (ytd only)* | 50.9144% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4171% | 52 |
| Loan loss allowance to noncurrent loans | 236.0384% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 2.1374% | 994 |
| Noncurrent loans to loans | 2.2950% | 1,029 |
| Net loans and leases to total assets | 88.0894% | 135 |
| Net loans and leases to deposits | 330.7476% | 7 |
| Net loans and leases to core deposits | 19,873.7410% | 7 |
| Total domestic deposits to total assets | 26.6334% | 6,313 |
| Equity capital to assets | 15.4733% | 612 |
| Core capital (leverage) ratio | 14.4058% | 733 |
| Tier 1 risk-based capital ratio | 15.5574% | 3,071 |
| Total risk-based capital ratio | 16.8583% | 2,995 |
| Memoranda: | ||
| Average total assets | $8,917,260,670 | 126 |
| Average earning assets | $8,497,163,000 | 121 |
| Average equity | $1,319,560,000 | 111 |
| Average total loans | $8,357,818,330 | 103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.4884% | 1 |
| Cost of funding earning assets | 1.3860% | 25 |
| Net interest margin | 25.1024% | 1 |
| Noninterest income to average assets | 0.6716% | 2,299 |
| Noninterest expense to average assets | 10.9734% | 73 |
| Loan and lease loss provision to assets | 3.8052% | 14 |
| Net operating income to assets | 6.1823% | 38 |
| Return on assets (ROA) | 6.1823% | 39 |
| Pretax return on assets | 9.8503% | 34 |
| Return on Equity (ROE) | 42.7640% | 31 |
| Retained earnings to average equity (ytd only) | 11.6305% | 625 |
| Net charge-offs to loans | 4.3917% | 22 |
| Credit loss provision to net charge-offs | 92.1510% | 1,730 |
| Earnings coverage of net charge-offs (x) | 3.3070% | 2,623 |
| Efficiency ratio | 42.7320% | 6,213 |
| Assets per employee ($millions) | 14.6189% | 81 |
| Cash dividends to net income (ytd only)* | 72.8030% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3983% | 57 |
| Loan loss allowance to noncurrent loans | 225.1711% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 2.2385% | 1,020 |
| Noncurrent loans to loans | 2.3974% | 1,027 |
| Net loans and leases to total assets | 88.3294% | 95 |
| Net loans and leases to deposits | 304.1614% | 10 |
| Net loans and leases to core deposits | 18,869.9559% | 7 |
| Total domestic deposits to total assets | 29.0403% | 6,381 |
| Equity capital to assets | 15.1347% | 693 |
| Core capital (leverage) ratio | 13.8278% | 875 |
| Tier 1 risk-based capital ratio | 15.0032% | 3,436 |
| Total risk-based capital ratio | 16.3037% | 3,327 |
| Memoranda: | ||
| Average total assets | $8,887,181,500 | 125 |
| Average earning assets | $8,481,755,500 | 120 |
| Average equity | $1,284,790,000 | 113 |
| Average total loans | $8,356,184,500 | 103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.8510% | 2 |
| Cost of funding earning assets | 1.4832% | 27 |
| Net interest margin | 25.3679% | 2 |
| Noninterest income to average assets | 0.1596% | 5,907 |
| Noninterest expense to average assets | 12.0668% | 61 |
| Loan and lease loss provision to assets | 3.9736% | 11 |
| Net operating income to assets | 5.0355% | 43 |
| Return on assets (ROA) | 5.0355% | 41 |
| Pretax return on assets | 8.1251% | 31 |
| Return on Equity (ROE) | 33.9346% | 40 |
| Retained earnings to average equity (ytd only) | 18.2438% | 84 |
| Net charge-offs to loans | 4.0571% | 15 |
| Credit loss provision to net charge-offs | 104.4473% | 2,293 |
| Earnings coverage of net charge-offs (x) | 3.1802% | 3,951 |
| Efficiency ratio | 48.0579% | 6,184 |
| Assets per employee ($millions) | 15.8291% | 76 |
| Cash dividends to net income (ytd only)* | 46.2384% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1038% | 71 |
| Loan loss allowance to noncurrent loans | 207.9899% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 2.3224% | 1,024 |
| Noncurrent loans to loans | 2.4539% | 1,043 |
| Net loans and leases to total assets | 89.8126% | 66 |
| Net loans and leases to deposits | 300.6990% | 8 |
| Net loans and leases to core deposits | 22,331.5904% | 5 |
| Total domestic deposits to total assets | 29.8680% | 6,469 |
| Equity capital to assets | 13.8175% | 1,024 |
| Core capital (leverage) ratio | 14.2051% | 768 |
| Tier 1 risk-based capital ratio | 13.9253% | 4,145 |
| Total risk-based capital ratio | 15.2229% | 4,037 |
| Memoranda: | ||
| Average total assets | $7,730,813,800 | 132 |
| Average earning assets | $7,315,744,800 | 125 |
| Average equity | $1,147,167,400 | 116 |
| Average total loans | $7,249,331,600 | 106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.5467% | 2 |
| Cost of funding earning assets | 1.5342% | 23 |
| Net interest margin | 26.0124% | 2 |
| Noninterest income to average assets | 0.1861% | 5,808 |
| Noninterest expense to average assets | 12.1311% | 59 |
| Loan and lease loss provision to assets | 3.7227% | 10 |
| Net operating income to assets | 5.4478% | 40 |
| Return on assets (ROA) | 5.4478% | 38 |
| Pretax return on assets | 8.8703% | 30 |
| Return on Equity (ROE) | 35.9459% | 38 |
| Retained earnings to average equity (ytd only) | 20.4412% | 65 |
| Net charge-offs to loans | 4.2725% | 14 |
| Credit loss provision to net charge-offs | 93.1867% | 2,374 |
| Earnings coverage of net charge-offs (x) | 3.1523% | 3,723 |
| Efficiency ratio | 47.2891% | 6,233 |
| Assets per employee ($millions) | 13.4052% | 105 |
| Cash dividends to net income (ytd only)* | 43.1335% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5600% | 58 |
| Loan loss allowance to noncurrent loans | 194.0679% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6219% | 980 |
| Noncurrent loans to loans | 2.8650% | 949 |
| Net loans and leases to total assets | 86.4287% | 171 |
| Net loans and leases to deposits | 315.5105% | 8 |
| Net loans and leases to core deposits | 19,359.4682% | 6 |
| Total domestic deposits to total assets | 27.3933% | 6,552 |
| Equity capital to assets | 15.4249% | 645 |
| Core capital (leverage) ratio | 15.4314% | 554 |
| Tier 1 risk-based capital ratio | 15.6771% | 3,229 |
| Total risk-based capital ratio | 16.9777% | 3,137 |
| Memoranda: | ||
| Average total assets | $7,376,218,750 | 138 |
| Average earning assets | $6,958,115,750 | 129 |
| Average equity | $1,117,911,750 | 120 |
| Average total loans | $6,896,896,250 | 108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.0593% | 2 |
| Cost of funding earning assets | 1.5481% | 23 |
| Net interest margin | 25.5112% | 2 |
| Noninterest income to average assets | 0.1655% | 5,957 |
| Noninterest expense to average assets | 12.4397% | 57 |
| Loan and lease loss provision to assets | 3.1869% | 14 |
| Net operating income to assets | 5.4229% | 44 |
| Return on assets (ROA) | 5.4229% | 44 |
| Pretax return on assets | 8.8278% | 31 |
| Return on Equity (ROE) | 36.0171% | 39 |
| Retained earnings to average equity (ytd only) | 11.9989% | 425 |
| Net charge-offs to loans | 4.4709% | 18 |
| Credit loss provision to net charge-offs | 75.6429% | 2,381 |
| Earnings coverage of net charge-offs (x) | 2.8518% | 3,449 |
| Efficiency ratio | 49.1577% | 6,215 |
| Assets per employee ($millions) | 12.2398% | 130 |
| Cash dividends to net income (ytd only)* | 66.6855% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6350% | 60 |
| Loan loss allowance to noncurrent loans | 239.7800% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 2.2097% | 1,374 |
| Noncurrent loans to loans | 2.3501% | 1,359 |
| Net loans and leases to total assets | 88.7279% | 78 |
| Net loans and leases to deposits | 352.6121% | 8 |
| Net loans and leases to core deposits | 17,465.1932% | 6 |
| Total domestic deposits to total assets | 25.1630% | 6,618 |
| Equity capital to assets | 15.4906% | 616 |
| Core capital (leverage) ratio | 14.9951% | 610 |
| Tier 1 risk-based capital ratio | 15.8314% | 3,182 |
| Total risk-based capital ratio | 17.1356% | 3,087 |
| Memoranda: | ||
| Average total assets | $7,189,670,000 | 141 |
| Average earning assets | $6,845,177,000 | 133 |
| Average equity | $1,082,514,670 | 123 |
| Average total loans | $6,774,972,000 | 109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.1134% | 1 |
| Cost of funding earning assets | 1.5724% | 20 |
| Net interest margin | 25.5410% | 1 |
| Noninterest income to average assets | 0.3054% | 4,911 |
| Noninterest expense to average assets | 12.2900% | 59 |
| Loan and lease loss provision to assets | 2.4431% | 28 |
| Net operating income to assets | 6.0764% | 36 |
| Return on assets (ROA) | 6.0764% | 37 |
| Pretax return on assets | 9.8948% | 29 |
| Return on Equity (ROE) | 40.9498% | 31 |
| Retained earnings to average equity (ytd only) | 12.7912% | 514 |
| Net charge-offs to loans | 4.6611% | 27 |
| Credit loss provision to net charge-offs | 55.5609% | 2,149 |
| Earnings coverage of net charge-offs (x) | 2.8059% | 2,796 |
| Efficiency ratio | 48.1983% | 6,347 |
| Assets per employee ($millions) | 12.1168% | 134 |
| Cash dividends to net income (ytd only)* | 68.7638% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9992% | 47 |
| Loan loss allowance to noncurrent loans | 234.8286% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 2.3972% | 1,356 |
| Noncurrent loans to loans | 2.5547% | 1,351 |
| Net loans and leases to total assets | 88.2032% | 78 |
| Net loans and leases to deposits | 378.7111% | 8 |
| Net loans and leases to core deposits | 15,893.0603% | 6 |
| Total domestic deposits to total assets | 23.2904% | 6,691 |
| Equity capital to assets | 15.6972% | 567 |
| Core capital (leverage) ratio | 14.5223% | 695 |
| Tier 1 risk-based capital ratio | 16.0321% | 3,161 |
| Total risk-based capital ratio | 17.3410% | 3,082 |
| Memoranda: | ||
| Average total assets | $7,179,874,500 | 141 |
| Average earning assets | $6,837,307,000 | 132 |
| Average equity | $1,065,391,500 | 126 |
| Average total loans | $6,773,158,500 | 110 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.0935% | 1 |
| Cost of funding earning assets | 1.7513% | 23 |
| Net interest margin | 25.3421% | 1 |
| Noninterest income to average assets | 0.0962% | 6,400 |
| Noninterest expense to average assets | 11.3161% | 67 |
| Loan and lease loss provision to assets | 4.0919% | 11 |
| Net operating income to assets | 5.0766% | 46 |
| Return on assets (ROA) | 5.0766% | 45 |
| Pretax return on assets | 8.0794% | 32 |
| Return on Equity (ROE) | 33.6899% | 46 |
| Retained earnings to average equity (ytd only) | 4.8158% | 2,720 |
| Net charge-offs to loans | 4.4916% | 29 |
| Credit loss provision to net charge-offs | 99.2389% | 2,499 |
| Earnings coverage of net charge-offs (x) | 2.9518% | 4,006 |
| Efficiency ratio | 46.1643% | 6,551 |
| Assets per employee ($millions) | 13.6256% | 102 |
| Cash dividends to net income (ytd only)* | 85.7055% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9281% | 46 |
| Loan loss allowance to noncurrent loans | 219.2129% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 2.5637% | 1,328 |
| Noncurrent loans to loans | 2.7043% | 1,349 |
| Net loans and leases to total assets | 89.1815% | 56 |
| Net loans and leases to deposits | 364.4195% | 8 |
| Net loans and leases to core deposits | 19,132.0563% | 6 |
| Total domestic deposits to total assets | 24.4722% | 6,776 |
| Equity capital to assets | 14.0430% | 885 |
| Core capital (leverage) ratio | 14.2432% | 758 |
| Tier 1 risk-based capital ratio | 14.1654% | 4,175 |
| Total risk-based capital ratio | 15.4736% | 4,077 |
| Memoranda: | ||
| Average total assets | $6,895,101,200 | 142 |
| Average earning assets | $6,364,287,600 | 140 |
| Average equity | $1,038,995,400 | 125 |
| Average total loans | $6,329,749,800 | 111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.6666% | 1 |
| Cost of funding earning assets | 1.8213% | 19 |
| Net interest margin | 25.8453% | 1 |
| Noninterest income to average assets | 0.1570% | 6,248 |
| Noninterest expense to average assets | 10.5586% | 74 |
| Loan and lease loss provision to assets | 3.4221% | 12 |
| Net operating income to assets | 6.1591% | 34 |
| Return on assets (ROA) | 6.1591% | 33 |
| Pretax return on assets | 9.8026% | 28 |
| Return on Equity (ROE) | 40.1207% | 29 |
| Retained earnings to average equity (ytd only) | 7.9800% | 1,414 |
| Net charge-offs to loans | 4.3292% | 33 |
| Credit loss provision to net charge-offs | 86.8905% | 2,694 |
| Earnings coverage of net charge-offs (x) | 3.3579% | 3,729 |
| Efficiency ratio | 42.3134% | 6,695 |
| Assets per employee ($millions) | 12.8201% | 124 |
| Cash dividends to net income (ytd only)* | 80.1100% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2304% | 44 |
| Loan loss allowance to noncurrent loans | 218.2294% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 2.6973% | 1,399 |
| Noncurrent loans to loans | 2.8550% | 1,446 |
| Net loans and leases to total assets | 88.5913% | 72 |
| Net loans and leases to deposits | 379.0018% | 8 |
| Net loans and leases to core deposits | 16,882.7946% | 6 |
| Total domestic deposits to total assets | 23.3749% | 6,856 |
| Equity capital to assets | 16.1666% | 524 |
| Core capital (leverage) ratio | 15.3375% | 587 |
| Tier 1 risk-based capital ratio | 16.1135% | 3,124 |
| Total risk-based capital ratio | 17.4246% | 3,056 |
| Memoranda: | ||
| Average total assets | $6,755,580,750 | 143 |
| Average earning assets | $6,175,540,250 | 139 |
| Average equity | $1,037,082,500 | 125 |
| Average total loans | $6,145,757,250 | 113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.0537% | 1 |
| Cost of funding earning assets | 1.8644% | 16 |
| Net interest margin | 25.1893% | 1 |
| Noninterest income to average assets | 0.0638% | 6,626 |
| Noninterest expense to average assets | 9.5914% | 87 |
| Loan and lease loss provision to assets | 2.8845% | 23 |
| Net operating income to assets | 6.4519% | 30 |
| Return on assets (ROA) | 6.4519% | 30 |
| Pretax return on assets | 10.3393% | 27 |
| Return on Equity (ROE) | 42.7525% | 27 |
| Retained earnings to average equity (ytd only) | 13.6387% | 329 |
| Net charge-offs to loans | 4.3822% | 44 |
| Credit loss provision to net charge-offs | 73.2554% | 2,757 |
| Earnings coverage of net charge-offs (x) | 3.3583% | 3,415 |
| Efficiency ratio | 39.8862% | 6,802 |
| Assets per employee ($millions) | 13.7485% | 98 |
| Cash dividends to net income (ytd only)* | 68.0986% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1965% | 51 |
| Loan loss allowance to noncurrent loans | 279.3083% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9893% | 2,159 |
| Noncurrent loans to loans | 2.2185% | 2,151 |
| Net loans and leases to total assets | 84.1110% | 229 |
| Net loans and leases to deposits | 342.2113% | 7 |
| Net loans and leases to core deposits | 16,496.0139% | 6 |
| Total domestic deposits to total assets | 24.5787% | 6,904 |
| Equity capital to assets | 15.7618% | 565 |
| Core capital (leverage) ratio | 15.1039% | 595 |
| Tier 1 risk-based capital ratio | 15.8558% | 3,288 |
| Total risk-based capital ratio | 17.1635% | 3,190 |
| Memoranda: | ||
| Average total assets | $6,828,026,000 | 142 |
| Average earning assets | $6,167,199,670 | 139 |
| Average equity | $1,030,438,670 | 125 |
| Average total loans | $6,135,282,000 | 112 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.4392% | 1 |
| Cost of funding earning assets | 1.8570% | 18 |
| Net interest margin | 25.5821% | 1 |
| Noninterest income to average assets | 0.1100% | 6,539 |
| Noninterest expense to average assets | 9.3456% | 91 |
| Loan and lease loss provision to assets | 3.0644% | 27 |
| Net operating income to assets | 6.6235% | 37 |
| Return on assets (ROA) | 6.6236% | 39 |
| Pretax return on assets | 10.7876% | 28 |
| Return on Equity (ROE) | 44.8700% | 32 |
| Retained earnings to average equity (ytd only) | 15.2742% | 326 |
| Net charge-offs to loans | 4.2829% | 60 |
| Credit loss provision to net charge-offs | 79.5473% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.5957% | 2,732 |
| Efficiency ratio | 38.1737% | 6,901 |
| Assets per employee ($millions) | 48.2286% | 33 |
| Cash dividends to net income (ytd only)* | 65.9590% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7208% | 47 |
| Loan loss allowance to noncurrent loans | 277.4029% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0923% | 2,243 |
| Noncurrent loans to loans | 2.4228% | 2,133 |
| Net loans and leases to total assets | 80.5572% | 379 |
| Net loans and leases to deposits | 333.3428% | 11 |
| Net loans and leases to core deposits | 15,592.9001% | 7 |
| Total domestic deposits to total assets | 24.1665% | 6,982 |
| Equity capital to assets | 15.0860% | 738 |
| Core capital (leverage) ratio | 14.3866% | 696 |
| Tier 1 risk-based capital ratio | 15.0990% | 3,769 |
| Total risk-based capital ratio | 16.4101% | 3,683 |
| Memoranda: | ||
| Average total assets | $6,866,780,000 | 142 |
| Average earning assets | $6,197,165,000 | 141 |
| Average equity | $1,013,658,000 | 128 |
| Average total loans | $6,176,423,000 | 113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.3247% | 1 |
| Cost of funding earning assets | 2.1345% | 17 |
| Net interest margin | 26.1902% | 1 |
| Noninterest income to average assets | 0.7038% | 2,699 |
| Noninterest expense to average assets | 10.2630% | 77 |
| Loan and lease loss provision to assets | 4.0933% | 15 |
| Net operating income to assets | 6.7267% | 32 |
| Return on assets (ROA) | 6.7307% | 33 |
| Pretax return on assets | 10.1894% | 31 |
| Return on Equity (ROE) | 42.9619% | 22 |
| Retained earnings to average equity (ytd only) | 23.3513% | 39 |
| Net charge-offs to loans | 4.5307% | 47 |
| Credit loss provision to net charge-offs | 96.1261% | 3,226 |
| Earnings coverage of net charge-offs (x) | 3.3527% | 3,767 |
| Efficiency ratio | 40.2623% | 6,922 |
| Assets per employee ($millions) | 52.1599% | 31 |
| Cash dividends to net income (ytd only)* | 45.6466% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3839% | 56 |
| Loan loss allowance to noncurrent loans | 263.0425% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 2.2695% | 2,163 |
| Noncurrent loans to loans | 2.4270% | 2,190 |
| Net loans and leases to total assets | 87.5426% | 95 |
| Net loans and leases to deposits | 340.6401% | 10 |
| Net loans and leases to core deposits | 19,194.3125% | 7 |
| Total domestic deposits to total assets | 25.6994% | 7,044 |
| Equity capital to assets | 14.4393% | 899 |
| Core capital (leverage) ratio | 14.6584% | 639 |
| Tier 1 risk-based capital ratio | 14.2981% | 4,168 |
| Total risk-based capital ratio | 15.6111% | 4,080 |
| Memoranda: | ||
| Average total assets | $5,695,981,400 | 161 |
| Average earning assets | $5,183,951,000 | 157 |
| Average equity | $892,371,800 | 137 |
| Average total loans | $5,353,447,000 | 123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29.0414% | 1 |
| Cost of funding earning assets | 2.2475% | 12 |
| Net interest margin | 26.7939% | 1 |
| Noninterest income to average assets | 1.1119% | 1,220 |
| Noninterest expense to average assets | 10.1573% | 77 |
| Loan and lease loss provision to assets | 3.6338% | 23 |
| Net operating income to assets | 7.4164% | 28 |
| Return on assets (ROA) | 7.4163% | 27 |
| Pretax return on assets | 11.4896% | 25 |
| Return on Equity (ROE) | 46.1842% | 18 |
| Retained earnings to average equity (ytd only) | 26.9596% | 44 |
| Net charge-offs to loans | 4.5689% | 56 |
| Credit loss provision to net charge-offs | 84.4868% | 3,481 |
| Earnings coverage of net charge-offs (x) | 3.5162% | 3,612 |
| Efficiency ratio | 38.8818% | 7,033 |
| Assets per employee ($millions) | 47.5709% | 36 |
| Cash dividends to net income (ytd only)* | 41.6259% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8156% | 43 |
| Loan loss allowance to noncurrent loans | 271.2432% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 2.3890% | 2,231 |
| Noncurrent loans to loans | 2.5127% | 2,281 |
| Net loans and leases to total assets | 88.5956% | 77 |
| Net loans and leases to deposits | 371.0078% | 10 |
| Net loans and leases to core deposits | 17,457.9427% | 7 |
| Total domestic deposits to total assets | 23.8797% | 7,145 |
| Equity capital to assets | 16.0218% | 603 |
| Core capital (leverage) ratio | 15.0692% | 599 |
| Tier 1 risk-based capital ratio | 15.4684% | 3,560 |
| Total risk-based capital ratio | 16.7866% | 3,475 |
| Memoranda: | ||
| Average total assets | $5,398,701,250 | 169 |
| Average earning assets | $4,869,806,000 | 164 |
| Average equity | $866,924,750 | 139 |
| Average total loans | $5,082,203,000 | 127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.9542% | 1 |
| Cost of funding earning assets | 2.3350% | 14 |
| Net interest margin | 26.6192% | 1 |
| Noninterest income to average assets | 1.5108% | 639 |
| Noninterest expense to average assets | 10.0752% | 79 |
| Loan and lease loss provision to assets | 3.0520% | 60 |
| Net operating income to assets | 7.7098% | 26 |
| Return on assets (ROA) | 7.7098% | 26 |
| Pretax return on assets | 12.1681% | 25 |
| Return on Equity (ROE) | 47.9703% | 24 |
| Retained earnings to average equity (ytd only) | 24.0408% | 60 |
| Net charge-offs to loans | 4.8657% | 71 |
| Credit loss provision to net charge-offs | 66.8878% | 3,637 |
| Earnings coverage of net charge-offs (x) | 3.3356% | 3,415 |
| Efficiency ratio | 38.7241% | 7,084 |
| Assets per employee ($millions) | 50.1559% | 33 |
| Cash dividends to net income (ytd only)* | 49.8840% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6453% | 39 |
| Loan loss allowance to noncurrent loans | 335.7608% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9766% | 2,805 |
| Noncurrent loans to loans | 2.2770% | 2,644 |
| Net loans and leases to total assets | 80.1692% | 485 |
| Net loans and leases to deposits | 356.5093% | 9 |
| Net loans and leases to core deposits | 18,861.2785% | 6 |
| Total domestic deposits to total assets | 22.4873% | 7,213 |
| Equity capital to assets | 15.6164% | 659 |
| Core capital (leverage) ratio | 16.0480% | 453 |
| Tier 1 risk-based capital ratio | 15.6966% | 3,335 |
| Total risk-based capital ratio | 17.0174% | 3,265 |
| Memoranda: | ||
| Average total assets | $5,200,292,330 | 170 |
| Average earning assets | $4,646,514,330 | 168 |
| Average equity | $835,788,000 | 140 |
| Average total loans | $4,876,683,670 | 128 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29.6631% | 1 |
| Cost of funding earning assets | 2.2914% | 17 |
| Net interest margin | 27.3717% | 1 |
| Noninterest income to average assets | 1.9395% | 431 |
| Noninterest expense to average assets | 10.3079% | 77 |
| Loan and lease loss provision to assets | 3.1356% | 71 |
| Net operating income to assets | 8.3209% | 27 |
| Return on assets (ROA) | 8.3209% | 28 |
| Pretax return on assets | 13.5121% | 24 |
| Return on Equity (ROE) | 50.9489% | 30 |
| Retained earnings to average equity (ytd only) | 26.2923% | 77 |
| Net charge-offs to loans | 4.9940% | 93 |
| Credit loss provision to net charge-offs | 64.2306% | 3,029 |
| Earnings coverage of net charge-offs (x) | 3.4101% | 2,849 |
| Efficiency ratio | 37.1653% | 7,165 |
| Assets per employee ($millions) | 49.2744% | 33 |
| Cash dividends to net income (ytd only)* | 48.3947% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3329% | 27 |
| Loan loss allowance to noncurrent loans | 330.3235% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 2.4684% | 2,397 |
| Noncurrent loans to loans | 2.5227% | 2,585 |
| Net loans and leases to total assets | 89.6970% | 43 |
| Net loans and leases to deposits | 459.8801% | 9 |
| Net loans and leases to core deposits | 18,239.6387% | 7 |
| Total domestic deposits to total assets | 19.5044% | 7,278 |
| Equity capital to assets | 17.3523% | 388 |
| Core capital (leverage) ratio | 16.3917% | 424 |
| Tier 1 risk-based capital ratio | 16.7274% | 2,792 |
| Total risk-based capital ratio | 18.0641% | 2,711 |
| Memoranda: | ||
| Average total assets | $4,966,631,000 | 173 |
| Average earning assets | $4,539,220,500 | 166 |
| Average equity | $811,142,000 | 141 |
| Average total loans | $4,855,116,500 | 127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29.2886% | 1 |
| Cost of funding earning assets | 3.0396% | 8 |
| Net interest margin | 26.2491% | 1 |
| Noninterest income to average assets | 1.1673% | 966 |
| Noninterest expense to average assets | 9.5974% | 78 |
| Loan and lease loss provision to assets | 5.0525% | 20 |
| Net operating income to assets | 6.0180% | 34 |
| Return on assets (ROA) | 6.0184% | 36 |
| Pretax return on assets | 9.5023% | 29 |
| Return on Equity (ROE) | 40.8090% | 17 |
| Retained earnings to average equity (ytd only) | 20.2754% | 45 |
| Net charge-offs to loans | 6.6155% | 37 |
| Credit loss provision to net charge-offs | 82.5337% | 4,343 |
| Earnings coverage of net charge-offs (x) | 2.3774% | 4,029 |
| Efficiency ratio | 38.4578% | 7,229 |
| Assets per employee ($millions) | 50.0429% | 33 |
| Cash dividends to net income (ytd only)* | 50.3163% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0323% | 29 |
| Loan loss allowance to noncurrent loans | 293.5810% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 2.6721% | 2,278 |
| Noncurrent loans to loans | 2.7360% | 2,380 |
| Net loans and leases to total assets | 89.8192% | 43 |
| Net loans and leases to deposits | 446.9666% | 11 |
| Net loans and leases to core deposits | 20,803.6392% | 9 |
| Total domestic deposits to total assets | 20.0953% | 7,322 |
| Equity capital to assets | 15.3664% | 702 |
| Core capital (leverage) ratio | 14.4098% | 733 |
| Tier 1 risk-based capital ratio | 14.8629% | 3,718 |
| Total risk-based capital ratio | 16.2002% | 3,627 |
| Memoranda: | ||
| Average total assets | $4,953,361,800 | 168 |
| Average earning assets | $4,337,287,000 | 170 |
| Average equity | $730,510,000 | 147 |
| Average total loans | $4,583,679,200 | 128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29.6462% | 2 |
| Cost of funding earning assets | 3.1897% | 9 |
| Net interest margin | 26.4564% | 1 |
| Noninterest income to average assets | 1.3968% | 669 |
| Noninterest expense to average assets | 9.2968% | 84 |
| Loan and lease loss provision to assets | 4.4161% | 46 |
| Net operating income to assets | 6.5832% | 30 |
| Return on assets (ROA) | 6.5832% | 31 |
| Pretax return on assets | 10.5655% | 25 |
| Return on Equity (ROE) | 45.1304% | 16 |
| Retained earnings to average equity (ytd only) | 26.5361% | 31 |
| Net charge-offs to loans | 6.8756% | 39 |
| Credit loss provision to net charge-offs | 70.4221% | 4,473 |
| Earnings coverage of net charge-offs (x) | 2.3891% | 3,929 |
| Efficiency ratio | 36.9975% | 7,305 |
| Assets per employee ($millions) | 49.0696% | 36 |
| Cash dividends to net income (ytd only)* | 41.2013% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7826% | 21 |
| Loan loss allowance to noncurrent loans | 284.6721% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 2.6502% | 2,441 |
| Noncurrent loans to loans | 3.0852% | 2,249 |
| Net loans and leases to total assets | 78.3557% | 677 |
| Net loans and leases to deposits | 354.0383% | 11 |
| Net loans and leases to core deposits | 18,385.5901% | 10 |
| Total domestic deposits to total assets | 22.1320% | 7,395 |
| Equity capital to assets | 15.2167% | 791 |
| Core capital (leverage) ratio | 14.5151% | 767 |
| Tier 1 risk-based capital ratio | 14.9395% | 3,697 |
| Total risk-based capital ratio | 16.2748% | 3,614 |
| Memoranda: | ||
| Average total assets | $4,915,608,750 | 169 |
| Average earning assets | $4,251,400,000 | 172 |
| Average equity | $717,047,750 | 150 |
| Average total loans | $4,483,317,250 | 131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.7268% | 2 |
| Cost of funding earning assets | 3.1995% | 8 |
| Net interest margin | 25.5273% | 2 |
| Noninterest income to average assets | 1.4410% | 613 |
| Noninterest expense to average assets | 9.3654% | 83 |
| Loan and lease loss provision to assets | 4.2695% | 64 |
| Net operating income to assets | 6.4061% | 39 |
| Return on assets (ROA) | 6.4061% | 40 |
| Pretax return on assets | 10.2954% | 32 |
| Return on Equity (ROE) | 44.5905% | 24 |
| Retained earnings to average equity (ytd only) | 30.2477% | 38 |
| Net charge-offs to loans | 7.3897% | 46 |
| Credit loss provision to net charge-offs | 62.0821% | 4,297 |
| Earnings coverage of net charge-offs (x) | 2.1178% | 3,786 |
| Efficiency ratio | 37.8038% | 7,366 |
| Assets per employee ($millions) | 50.9304% | 34 |
| Cash dividends to net income (ytd only)* | 32.1655% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0258% | 22 |
| Loan loss allowance to noncurrent loans | 334.6218% | 947 |
| Noncurrent assets plus other real estate owned to assets | 2.4929% | 2,676 |
| Noncurrent loans to loans | 2.6973% | 2,699 |
| Net loans and leases to total assets | 84.0790% | 244 |
| Net loans and leases to deposits | 672.9494% | 12 |
| Net loans and leases to core deposits | 17,631.5004% | 11 |
| Total domestic deposits to total assets | 12.4941% | 7,481 |
| Equity capital to assets | 15.5996% | 683 |
| Core capital (leverage) ratio | 14.2720% | 810 |
| Tier 1 risk-based capital ratio | 15.2474% | 3,375 |
| Total risk-based capital ratio | 16.5946% | 3,276 |
| Memoranda: | ||
| Average total assets | $4,853,064,670 | 174 |
| Average earning assets | $4,275,502,670 | 173 |
| Average equity | $697,216,000 | 155 |
| Average total loans | $4,516,528,330 | 132 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.8406% | 2 |
| Cost of funding earning assets | 3.1742% | 9 |
| Net interest margin | 25.6664% | 2 |
| Noninterest income to average assets | 1.7734% | 432 |
| Noninterest expense to average assets | 8.6776% | 92 |
| Loan and lease loss provision to assets | 4.4480% | 83 |
| Net operating income to assets | 7.0882% | 37 |
| Return on assets (ROA) | 7.0882% | 39 |
| Pretax return on assets | 11.3801% | 31 |
| Return on Equity (ROE) | 51.4683% | 29 |
| Retained earnings to average equity (ytd only) | 51.4683% | 25 |
| Net charge-offs to loans | 7.7035% | 59 |
| Credit loss provision to net charge-offs | 61.8358% | 3,515 |
| Earnings coverage of net charge-offs (x) | 2.2004% | 3,214 |
| Efficiency ratio | 34.1249% | 7,467 |
| Assets per employee ($millions) | 51.2795% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8301% | 24 |
| Loan loss allowance to noncurrent loans | 301.1580% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 2.9569% | 2,335 |
| Noncurrent loans to loans | 3.2641% | 2,300 |
| Net loans and leases to total assets | 81.6837% | 369 |
| Net loans and leases to deposits | 658.7357% | 10 |
| Net loans and leases to core deposits | 17,579.7328% | 10 |
| Total domestic deposits to total assets | 12.4001% | 7,544 |
| Equity capital to assets | 15.0977% | 744 |
| Core capital (leverage) ratio | 14.1415% | 822 |
| Tier 1 risk-based capital ratio | 15.0667% | 3,389 |
| Total risk-based capital ratio | 16.4240% | 3,289 |
| Memoranda: | ||
| Average total assets | $4,911,332,500 | 170 |
| Average earning assets | $4,349,882,000 | 170 |
| Average equity | $676,385,000 | 157 |
| Average total loans | $4,586,025,000 | 133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 31.4969% | 1 |
| Cost of funding earning assets | 3.8304% | 7 |
| Net interest margin | 27.6664% | 1 |
| Noninterest income to average assets | 2.0317% | 383 |
| Noninterest expense to average assets | 10.4713% | 73 |
| Loan and lease loss provision to assets | 7.8879% | 16 |
| Net operating income to assets | 4.7719% | 35 |
| Return on assets (ROA) | 4.7719% | 35 |
| Pretax return on assets | 7.5777% | 28 |
| Return on Equity (ROE) | 36.4109% | 23 |
| Retained earnings to average equity (ytd only) | 36.4109% | 9 |
| Net charge-offs to loans | 10.7065% | 12 |
| Credit loss provision to net charge-offs | 83.5063% | 5,408 |
| Earnings coverage of net charge-offs (x) | 1.6373% | 4,511 |
| Efficiency ratio | 38.9851% | 7,518 |
| Assets per employee ($millions) | 55.5348% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4476% | 25 |
| Loan loss allowance to noncurrent loans | 273.0676% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 3.3216% | 2,130 |
| Noncurrent loans to loans | 3.4598% | 2,188 |
| Net loans and leases to total assets | 86.9367% | 135 |
| Net loans and leases to deposits | 650.2965% | 11 |
| Net loans and leases to core deposits | 21,842.9651% | 10 |
| Total domestic deposits to total assets | 13.3688% | 7,623 |
| Equity capital to assets | 12.5208% | 1,620 |
| Core capital (leverage) ratio | 11.8725% | 1,633 |
| Tier 1 risk-based capital ratio | 12.6788% | 4,876 |
| Total risk-based capital ratio | 19.3580% | 1,932 |
| Memoranda: | ||
| Average total assets | $4,379,036,200 | 190 |
| Average earning assets | $3,783,711,000 | 189 |
| Average equity | $573,900,200 | 175 |
| Average total loans | $3,863,426,000 | 145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 32.8711% | 1 |
| Cost of funding earning assets | 4.0839% | 6 |
| Net interest margin | 28.7871% | 1 |
| Noninterest income to average assets | 2.2353% | 319 |
| Noninterest expense to average assets | 10.7550% | 69 |
| Loan and lease loss provision to assets | 7.6895% | 18 |
| Net operating income to assets | 5.2481% | 27 |
| Return on assets (ROA) | 5.2481% | 26 |
| Pretax return on assets | 8.3463% | 22 |
| Return on Equity (ROE) | 39.5153% | 23 |
| Retained earnings to average equity (ytd only) | 39.5153% | 11 |
| Net charge-offs to loans | 11.4807% | 14 |
| Credit loss provision to net charge-offs | 77.9802% | 5,195 |
| Earnings coverage of net charge-offs (x) | 1.6262% | 4,496 |
| Efficiency ratio | 38.7415% | 7,604 |
| Assets per employee ($millions) | 15.6907% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1889% | 22 |
| Loan loss allowance to noncurrent loans | 272.4067% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 3.4128% | 2,080 |
| Noncurrent loans to loans | 3.7403% | 2,069 |
| Net loans and leases to total assets | 81.9473% | 500 |
| Net loans and leases to deposits | 573.0466% | 12 |
| Net loans and leases to core deposits | 19,930.1313% | 10 |
| Total domestic deposits to total assets | 14.3003% | 7,724 |
| Equity capital to assets | 11.9415% | 2,193 |
| Core capital (leverage) ratio | 11.0157% | 2,249 |
| Tier 1 risk-based capital ratio | 12.4873% | 4,994 |
| Total risk-based capital ratio | 19.5400% | 1,896 |
| Memoranda: | ||
| Average total assets | $4,210,377,500 | 191 |
| Average earning assets | $3,591,475,750 | 197 |
| Average equity | $559,185,250 | 174 |
| Average total loans | $3,616,312,750 | 151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 34.8610% | 1 |
| Cost of funding earning assets | 4.3304% | 5 |
| Net interest margin | 30.5306% | 1 |
| Noninterest income to average assets | 2.5914% | 260 |
| Noninterest expense to average assets | 11.3341% | 63 |
| Loan and lease loss provision to assets | 8.3344% | 24 |
| Net operating income to assets | 5.3805% | 31 |
| Return on assets (ROA) | 5.3805% | 30 |
| Pretax return on assets | 8.5824% | 27 |
| Return on Equity (ROE) | 38.8905% | 25 |
| Retained earnings to average equity (ytd only) | 38.8905% | 13 |
| Net charge-offs to loans | 13.1187% | 14 |
| Credit loss provision to net charge-offs | 75.9244% | 4,814 |
| Earnings coverage of net charge-offs (x) | 1.5411% | 4,336 |
| Efficiency ratio | 38.7072% | 7,663 |
| Assets per employee ($millions) | 14.9309% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2744% | 20 |
| Loan loss allowance to noncurrent loans | 320.2983% | 917 |
| Noncurrent assets plus other real estate owned to assets | 2.9772% | 2,398 |
| Noncurrent loans to loans | 3.2078% | 2,497 |
| Net loans and leases to total assets | 83.2770% | 410 |
| Net loans and leases to deposits | 517.1573% | 13 |
| Net loans and leases to core deposits | 19,875.8017% | 8 |
| Total domestic deposits to total assets | 16.1028% | 7,786 |
| Equity capital to assets | 10.6444% | 3,224 |
| Core capital (leverage) ratio | 9.7770% | 3,435 |
| Tier 1 risk-based capital ratio | 16.2272% | 2,584 |
| Total risk-based capital ratio | 32.2979% | 453 |
| Memoranda: | ||
| Average total assets | $3,971,543,000 | 201 |
| Average earning assets | $3,337,895,330 | 204 |
| Average equity | $549,465,670 | 175 |
| Average total loans | $3,323,254,670 | 165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 39.8919% | 1 |
| Cost of funding earning assets | 5.1234% | 4 |
| Net interest margin | 34.7685% | 1 |
| Noninterest income to average assets | 3.5179% | 182 |
| Noninterest expense to average assets | 12.3648% | 62 |
| Loan and lease loss provision to assets | 9.3841% | 37 |
| Net operating income to assets | 6.5074% | 28 |
| Return on assets (ROA) | 6.5074% | 30 |
| Pretax return on assets | 10.4587% | 25 |
| Return on Equity (ROE) | 40.3683% | 38 |
| Retained earnings to average equity (ytd only) | 40.3683% | 30 |
| Net charge-offs to loans | 17.0228% | 13 |
| Credit loss provision to net charge-offs | 71.4688% | 4,067 |
| Earnings coverage of net charge-offs (x) | 1.5112% | 3,827 |
| Efficiency ratio | 36.9794% | 7,782 |
| Assets per employee ($millions) | 14.7629% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6595% | 21 |
| Loan loss allowance to noncurrent loans | 294.7129% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 3.4623% | 2,040 |
| Noncurrent loans to loans | 3.6169% | 2,201 |
| Net loans and leases to total assets | 85.5222% | 246 |
| Net loans and leases to deposits | 497.9400% | 15 |
| Net loans and leases to core deposits | 19,659.1170% | 9 |
| Total domestic deposits to total assets | 17.1752% | 7,887 |
| Equity capital to assets | 9.8834% | 4,015 |
| Core capital (leverage) ratio | 8.5618% | 5,272 |
| Tier 1 risk-based capital ratio | 14.8814% | 3,162 |
| Total risk-based capital ratio | 29.7627% | 592 |
| Memoranda: | ||
| Average total assets | $3,471,317,500 | 226 |
| Average earning assets | $2,864,407,500 | 239 |
| Average equity | $559,578,000 | 175 |
| Average total loans | $2,677,554,500 | 203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5929% | 119 |
| Cost of funding earning assets | 2.0761% | 2,594 |
| Net interest margin | 5.5169% | 184 |
| Noninterest income to average assets | 39.7031% | 31 |
| Noninterest expense to average assets | 27.7140% | 37 |
| Loan and lease loss provision to assets | 2.3172% | 877 |
| Net operating income to assets | 9.3163% | 14 |
| Return on assets (ROA) | 9.3163% | 14 |
| Pretax return on assets | 13.3090% | 17 |
| Return on Equity (ROE) | 26.4315% | 78 |
| Retained earnings to average equity (ytd only) | 26.4315% | 20 |
| Net charge-offs to loans | 5.3170% | 220 |
| Credit loss provision to net charge-offs | 127.7892% | 4,048 |
| Earnings coverage of net charge-offs (x) | 8.6176% | 1,918 |
| Efficiency ratio | 62.7678% | 6,009 |
| Assets per employee ($millions) | 7.3440% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2356% | 151 |
| Loan loss allowance to noncurrent loans | 177.8276% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 5,098 |
| Noncurrent loans to loans | 2.9442% | 2,617 |
| Net loans and leases to total assets | 32.4764% | 7,646 |
| Net loans and leases to deposits | 59.6725% | 6,656 |
| Net loans and leases to core deposits | 3,848.4118% | 12 |
| Total domestic deposits to total assets | 54.4244% | 7,873 |
| Equity capital to assets | 30.4981% | 98 |
| Core capital (leverage) ratio | 32.3128% | 88 |
| Tier 1 risk-based capital ratio | 15.2272% | 2,836 |
| Total risk-based capital ratio | 16.1258% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,605,493,600 | 427 |
| Average earning assets | $1,058,429,600 | 573 |
| Average equity | $565,890,200 | 170 |
| Average total loans | $547,522,000 | 873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9630% | 85 |
| Cost of funding earning assets | 2.1134% | 2,833 |
| Net interest margin | 5.8495% | 128 |
| Noninterest income to average assets | 40.1573% | 32 |
| Noninterest expense to average assets | 28.4372% | 38 |
| Loan and lease loss provision to assets | 2.4270% | 694 |
| Net operating income to assets | 8.9071% | 19 |
| Return on assets (ROA) | 8.9071% | 19 |
| Pretax return on assets | 13.0947% | 17 |
| Return on Equity (ROE) | 24.1190% | 123 |
| Retained earnings to average equity (ytd only) | 24.1190% | 31 |
| Net charge-offs to loans | 5.6924% | 165 |
| Credit loss provision to net charge-offs | 125.2403% | 4,017 |
| Earnings coverage of net charge-offs (x) | 8.0096% | 2,319 |
| Efficiency ratio | 63.6580% | 5,819 |
| Assets per employee ($millions) | 6.7724% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8892% | 86 |
| Loan loss allowance to noncurrent loans | 190.9876% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9934% | 5,083 |
| Noncurrent loans to loans | 3.0836% | 2,450 |
| Net loans and leases to total assets | 30.3185% | 7,798 |
| Net loans and leases to deposits | 58.6789% | 6,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 51.6686% | 7,963 |
| Equity capital to assets | 33.6037% | 92 |
| Core capital (leverage) ratio | 41.5553% | 68 |
| Tier 1 risk-based capital ratio | 26.0325% | 818 |
| Total risk-based capital ratio | 27.3523% | 796 |
| Memoranda: | ||
| Average total assets | $1,481,769,250 | 475 |
| Average earning assets | $963,016,750 | 640 |
| Average equity | $547,218,000 | 176 |
| Average total loans | $504,448,000 | 965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3975% | 65 |
| Cost of funding earning assets | 2.3296% | 2,239 |
| Net interest margin | 6.0679% | 103 |
| Noninterest income to average assets | 42.9193% | 29 |
| Noninterest expense to average assets | 29.9334% | 42 |
| Loan and lease loss provision to assets | 2.1171% | 752 |
| Net operating income to assets | 9.0839% | 16 |
| Return on assets (ROA) | 9.0839% | 17 |
| Pretax return on assets | 14.6319% | 16 |
| Return on Equity (ROE) | 23.7285% | 166 |
| Retained earnings to average equity (ytd only) | 23.7285% | 51 |
| Net charge-offs to loans | 6.0835% | 179 |
| Credit loss provision to net charge-offs | 100.0404% | 4,558 |
| Earnings coverage of net charge-offs (x) | 7.9144% | 2,363 |
| Efficiency ratio | 63.0544% | 6,079 |
| Assets per employee ($millions) | 5.5205% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6931% | 89 |
| Loan loss allowance to noncurrent loans | 187.1191% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 4,862 |
| Noncurrent loans to loans | 3.0425% | 2,367 |
| Net loans and leases to total assets | 32.6311% | 7,818 |
| Net loans and leases to deposits | 78.3078% | 4,816 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 41.6703% | 8,092 |
| Equity capital to assets | 40.1111% | 84 |
| Core capital (leverage) ratio | 40.8257% | 87 |
| Tier 1 risk-based capital ratio | 25.7306% | 877 |
| Total risk-based capital ratio | 26.8808% | 868 |
| Memoranda: | ||
| Average total assets | $1,404,552,000 | 510 |
| Average earning assets | $871,048,000 | 724 |
| Average equity | $537,699,670 | 180 |
| Average total loans | $488,600,000 | 1,019 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9249% | 54 |
| Cost of funding earning assets | 2.2128% | 3,104 |
| Net interest margin | 6.7121% | 61 |
| Noninterest income to average assets | 46.2855% | 25 |
| Noninterest expense to average assets | 28.3531% | 42 |
| Loan and lease loss provision to assets | 2.1773% | 542 |
| Net operating income to assets | 12.3213% | 14 |
| Return on assets (ROA) | 12.3213% | 15 |
| Pretax return on assets | 19.7835% | 14 |
| Return on Equity (ROE) | 32.9469% | 74 |
| Retained earnings to average equity (ytd only) | 32.9469% | 41 |
| Net charge-offs to loans | 5.2807% | 193 |
| Credit loss provision to net charge-offs | 118.2222% | 3,314 |
| Earnings coverage of net charge-offs (x) | 11.9240% | 1,837 |
| Efficiency ratio | 55.3213% | 7,068 |
| Assets per employee ($millions) | 6.1122% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5921% | 81 |
| Loan loss allowance to noncurrent loans | 214.5036% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 5,071 |
| Noncurrent loans to loans | 2.6070% | 2,528 |
| Net loans and leases to total assets | 30.7339% | 7,900 |
| Net loans and leases to deposits | 65.5599% | 6,416 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 46.8791% | 8,118 |
| Equity capital to assets | 35.6066% | 107 |
| Core capital (leverage) ratio | 44.6917% | 85 |
| Tier 1 risk-based capital ratio | 19.9110% | 1,640 |
| Total risk-based capital ratio | 20.8723% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,419,528,500 | 506 |
| Average earning assets | $851,957,500 | 747 |
| Average equity | $530,866,000 | 178 |
| Average total loans | $495,087,500 | 1,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1042% | 15 |
| Cost of funding earning assets | 1.8662% | 6,831 |
| Net interest margin | 13.2380% | 14 |
| Noninterest income to average assets | 62.4614% | 24 |
| Noninterest expense to average assets | 36.8946% | 34 |
| Loan and lease loss provision to assets | 3.7653% | 186 |
| Net operating income to assets | 17.8643% | 10 |
| Return on assets (ROA) | 18.0957% | 12 |
| Pretax return on assets | 29.1337% | 11 |
| Return on Equity (ROE) | 36.8944% | 22 |
| Retained earnings to average equity (ytd only) | 2.9730% | 3,323 |
| Net charge-offs to loans | 10.4045% | 11 |
| Credit loss provision to net charge-offs | 90.9125% | 5,656 |
| Earnings coverage of net charge-offs (x) | 7.8874% | 3,005 |
| Efficiency ratio | 52.2154% | 7,464 |
| Assets per employee ($millions) | 4.6446% | 2,410 |
| Cash dividends to net income (ytd only)* | 91.9418% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5845% | 71 |
| Loan loss allowance to noncurrent loans | 162.3703% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 3,633 |
| Noncurrent loans to loans | 3.4394% | 1,490 |
| Net loans and leases to total assets | 35.5753% | 7,848 |
| Net loans and leases to deposits | 95.7721% | 2,477 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 37.1457% | 8,201 |
| Equity capital to assets | 39.5583% | 104 |
| Core capital (leverage) ratio | 41.6579% | 103 |
| Tier 1 risk-based capital ratio | 24.2543% | 1,057 |
| Total risk-based capital ratio | 25.4678% | 1,045 |
| Memoranda: | ||
| Average total assets | $1,081,891,800 | 613 |
| Average earning assets | $580,320,200 | 1,063 |
| Average equity | $530,639,200 | 180 |
| Average total loans | $430,668,000 | 1,115 |