Home > Israel Discount Bank of New York > Performance and Condition Ratios
Israel Discount Bank of New York, 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 | 6.2425% | 466 |
| Cost of funding earning assets | 3.3354% | 93 |
| Net interest margin | 2.9071% | 3,468 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.3482% | 2,722 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7021% | 3,194 |
| Return on assets (ROA) | 0.5140% | 3,633 |
| Pretax return on assets | 0.6403% | 3,562 |
| Return on Equity (ROE) | 5.5200% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.5185% | 2,403 |
| Net charge-offs to loans | 0.0324% | 1,646 |
| Credit loss provision to net charge-offs | 215.6568% | 1,167 |
| Earnings coverage of net charge-offs (x) | 44.1788% | 1,376 |
| Efficiency ratio | 71.3445% | 1,723 |
| Assets per employee ($millions) | 18.6272% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,189 |
| Loan loss allowance to noncurrent loans | 279.4863% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 1,986 |
| Noncurrent loans to loans | 0.3667% | 1,886 |
| Net loans and leases to total assets | 66.3000% | 2,226 |
| Net loans and leases to deposits | 78.4731% | 2,227 |
| Net loans and leases to core deposits | 108.7435% | 1,005 |
| Total domestic deposits to total assets | 84.4900% | 2,472 |
| Equity capital to assets | 9.9301% | 2,047 |
| Core capital (leverage) ratio | 10.6025% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5506% | 1,384 |
| Memoranda: | ||
| Average total assets | $12,445,798,800 | 139 |
| Average earning assets | $11,530,937,000 | 137 |
| Average equity | $1,159,184,600 | 150 |
| Average total loans | $8,193,518,200 | 141 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0972% | 471 |
| Cost of funding earning assets | 3.1585% | 97 |
| Net interest margin | 2.9387% | 3,458 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.2908% | 2,825 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7326% | 3,224 |
| Return on assets (ROA) | 0.7380% | 3,198 |
| Pretax return on assets | 0.9752% | 2,919 |
| Return on Equity (ROE) | 8.0500% | 3,175 |
| Retained earnings to average equity (ytd only) | 8.0542% | 1,946 |
| Net charge-offs to loans | -0.0142% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.5065% | 1,845 |
| Assets per employee ($millions) | 17.5997% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,365 |
| Loan loss allowance to noncurrent loans | 288.6566% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,101 |
| Noncurrent loans to loans | 0.3467% | 1,983 |
| Net loans and leases to total assets | 66.1900% | 2,222 |
| Net loans and leases to deposits | 79.7592% | 2,073 |
| Net loans and leases to core deposits | 113.8482% | 733 |
| Total domestic deposits to total assets | 82.9900% | 3,020 |
| Equity capital to assets | 9.3229% | 2,208 |
| Core capital (leverage) ratio | 10.7847% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3411% | 1,462 |
| Memoranda: | ||
| Average total assets | $12,502,387,000 | 139 |
| Average earning assets | $11,577,024,750 | 138 |
| Average equity | $1,145,629,000 | 156 |
| Average total loans | $8,195,405,500 | 142 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 477 |
| Cost of funding earning assets | 2.9530% | 95 |
| Net interest margin | 2.9837% | 3,471 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.2469% | 2,957 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.8366% | 2,969 |
| Return on assets (ROA) | 0.8246% | 3,013 |
| Pretax return on assets | 1.0892% | 2,674 |
| Return on Equity (ROE) | 9.0500% | 2,977 |
| Retained earnings to average equity (ytd only) | 9.0508% | 1,669 |
| Net charge-offs to loans | -0.0767% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6055% | 2,033 |
| Assets per employee ($millions) | 17.2175% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,407 |
| Loan loss allowance to noncurrent loans | 347.4245% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,244 |
| Noncurrent loans to loans | 0.2885% | 2,105 |
| Net loans and leases to total assets | 65.3000% | 2,234 |
| Net loans and leases to deposits | 77.6865% | 2,160 |
| Net loans and leases to core deposits | 107.7961% | 914 |
| Total domestic deposits to total assets | 84.0500% | 2,804 |
| Equity capital to assets | 9.4757% | 2,173 |
| Core capital (leverage) ratio | 10.5409% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6035% | 1,404 |
| Memoranda: | ||
| Average total assets | $12,522,185,000 | 136 |
| Average earning assets | $11,617,385,000 | 135 |
| Average equity | $1,140,822,333 | 153 |
| Average total loans | $8,153,996,667 | 139 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6102% | 518 |
| Cost of funding earning assets | 2.6494% | 74 |
| Net interest margin | 2.9607% | 3,674 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.1556% | 3,238 |
| Loan and lease loss provision to assets | -0.1200% | 4,587 |
| Net operating income to assets | 0.9149% | 2,810 |
| Return on assets (ROA) | 0.9349% | 2,692 |
| Pretax return on assets | 1.2551% | 2,286 |
| Return on Equity (ROE) | 10.4600% | 2,649 |
| Retained earnings to average equity (ytd only) | 10.4641% | 1,587 |
| Net charge-offs to loans | -0.0917% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.9644% | 2,211 |
| Assets per employee ($millions) | 19.3804% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,663 |
| Loan loss allowance to noncurrent loans | 451.0530% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,562 |
| Noncurrent loans to loans | 0.2134% | 2,408 |
| Net loans and leases to total assets | 63.0300% | 2,357 |
| Net loans and leases to deposits | 74.9985% | 2,213 |
| Net loans and leases to core deposits | 104.5117% | 896 |
| Total domestic deposits to total assets | 84.0400% | 3,084 |
| Equity capital to assets | 8.9791% | 2,541 |
| Core capital (leverage) ratio | 10.4614% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1748% | 1,580 |
| Memoranda: | ||
| Average total assets | $12,671,055,500 | 139 |
| Average earning assets | $11,775,717,500 | 136 |
| Average equity | $1,132,059,000 | 157 |
| Average total loans | $8,199,512,000 | 141 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 2,446 |
| Cost of funding earning assets | 0.9275% | 225 |
| Net interest margin | 2.8055% | 3,881 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.0061% | 3,565 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.9643% | 2,703 |
| Return on assets (ROA) | 0.9006% | 2,896 |
| Pretax return on assets | 1.1834% | 2,494 |
| Return on Equity (ROE) | 10.3400% | 2,700 |
| Retained earnings to average equity (ytd only) | 10.3359% | 1,057 |
| Net charge-offs to loans | -0.0097% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.7461% | 2,797 |
| Assets per employee ($millions) | 19.5810% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,462 |
| Loan loss allowance to noncurrent loans | 342.1931% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 2,232 |
| Noncurrent loans to loans | 0.2868% | 2,119 |
| Net loans and leases to total assets | 65.1600% | 2,124 |
| Net loans and leases to deposits | 77.7448% | 1,974 |
| Net loans and leases to core deposits | 108.7732% | 649 |
| Total domestic deposits to total assets | 83.8200% | 3,248 |
| Equity capital to assets | 8.8881% | 2,425 |
| Core capital (leverage) ratio | 10.2343% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9565% | 1,641 |
| Memoranda: | ||
| Average total assets | $12,683,405,200 | 139 |
| Average earning assets | $11,935,316,400 | 135 |
| Average equity | $1,105,202,600 | 159 |
| Average total loans | $8,525,841,000 | 139 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 3,285 |
| Cost of funding earning assets | 0.5692% | 520 |
| Net interest margin | 2.6920% | 3,946 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 1.9975% | 3,493 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8889% | 2,916 |
| Return on assets (ROA) | 0.8652% | 2,992 |
| Pretax return on assets | 1.1630% | 2,514 |
| Return on Equity (ROE) | 9.9800% | 2,728 |
| Retained earnings to average equity (ytd only) | 9.9779% | 1,344 |
| Net charge-offs to loans | -0.0394% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4271% | 2,631 |
| Assets per employee ($millions) | 21.0360% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,612 |
| Loan loss allowance to noncurrent loans | 346.2313% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,312 |
| Noncurrent loans to loans | 0.2803% | 2,251 |
| Net loans and leases to total assets | 68.3500% | 1,634 |
| Net loans and leases to deposits | 80.7464% | 1,539 |
| Net loans and leases to core deposits | 110.0970% | 465 |
| Total domestic deposits to total assets | 84.6500% | 3,358 |
| Equity capital to assets | 8.6680% | 2,431 |
| Core capital (leverage) ratio | 9.8876% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3111% | 1,934 |
| Memoranda: | ||
| Average total assets | $12,726,185,000 | 139 |
| Average earning assets | $12,017,411,500 | 134 |
| Average equity | $1,103,476,000 | 160 |
| Average total loans | $8,598,703,250 | 138 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8097% | 3,954 |
| Cost of funding earning assets | 0.3307% | 1,434 |
| Net interest margin | 2.4790% | 4,121 |
| Noninterest income to average assets | 0.5941% | 1,769 |
| Noninterest expense to average assets | 1.8692% | 3,780 |
| Loan and lease loss provision to assets | -0.1385% | 4,639 |
| Net operating income to assets | 0.9016% | 2,574 |
| Return on assets (ROA) | 0.8958% | 2,576 |
| Pretax return on assets | 1.2075% | 2,052 |
| Return on Equity (ROE) | 10.3297% | 2,216 |
| Retained earnings to average equity (ytd only) | 10.3297% | 946 |
| Net charge-offs to loans | 0.0026% | 1,993 |
| Credit loss provision to net charge-offs | -6,682.3009% | 3,816 |
| Earnings coverage of net charge-offs (x) | 611.8053% | 219 |
| Efficiency ratio | 63.4575% | 2,846 |
| Assets per employee ($millions) | 22.4276% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,029 |
| Loan loss allowance to noncurrent loans | 288.9390% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,282 |
| Noncurrent loans to loans | 0.3011% | 2,258 |
| Net loans and leases to total assets | 68.2915% | 1,459 |
| Net loans and leases to deposits | 79.4766% | 1,424 |
| Net loans and leases to core deposits | 111.1196% | 331 |
| Total domestic deposits to total assets | 85.9265% | 3,268 |
| Equity capital to assets | 8.6099% | 2,686 |
| Core capital (leverage) ratio | 9.4832% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7382% | 2,184 |
| Memoranda: | ||
| Average total assets | $12,845,195,000 | 137 |
| Average earning assets | $12,184,583,000 | 133 |
| Average equity | $1,113,914,000 | 160 |
| Average total loans | $8,619,094,333 | 134 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5436% | 4,211 |
| Cost of funding earning assets | 0.2230% | 2,482 |
| Net interest margin | 2.3206% | 4,203 |
| Noninterest income to average assets | 0.5531% | 1,886 |
| Noninterest expense to average assets | 1.8014% | 3,937 |
| Loan and lease loss provision to assets | -0.2040% | 4,687 |
| Net operating income to assets | 0.8667% | 2,430 |
| Return on assets (ROA) | 0.8590% | 2,448 |
| Pretax return on assets | 1.1563% | 1,962 |
| Return on Equity (ROE) | 9.8711% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.8711% | 1,052 |
| Net charge-offs to loans | -0.0107% | 3,613 |
| Credit loss provision to net charge-offs | 2,348.0349% | 187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1878% | 2,882 |
| Assets per employee ($millions) | 23.1364% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,039 |
| Loan loss allowance to noncurrent loans | 295.0300% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,407 |
| Noncurrent loans to loans | 0.3057% | 2,364 |
| Net loans and leases to total assets | 66.0901% | 1,403 |
| Net loans and leases to deposits | 75.8438% | 1,461 |
| Net loans and leases to core deposits | 98.0036% | 576 |
| Total domestic deposits to total assets | 87.1398% | 2,879 |
| Equity capital to assets | 8.5297% | 3,131 |
| Core capital (leverage) ratio | 9.2729% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3703% | 2,457 |
| Memoranda: | ||
| Average total assets | $12,965,645,000 | 137 |
| Average earning assets | $12,349,786,500 | 134 |
| Average equity | $1,128,265,000 | 157 |
| Average total loans | $8,587,040,500 | 137 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6169% | 4,392 |
| Cost of funding earning assets | 0.2740% | 2,665 |
| Net interest margin | 2.3430% | 4,379 |
| Noninterest income to average assets | 0.6787% | 1,841 |
| Noninterest expense to average assets | 1.8898% | 3,941 |
| Loan and lease loss provision to assets | -0.0433% | 4,321 |
| Net operating income to assets | 0.7385% | 3,522 |
| Return on assets (ROA) | 0.7848% | 3,448 |
| Pretax return on assets | 1.0773% | 3,039 |
| Return on Equity (ROE) | 8.0562% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.3018% | 3,087 |
| Net charge-offs to loans | 0.1892% | 515 |
| Credit loss provision to net charge-offs | -34.5647% | 3,218 |
| Earnings coverage of net charge-offs (x) | 7.7869% | 2,329 |
| Efficiency ratio | 65.9585% | 2,265 |
| Assets per employee ($millions) | 23.3786% | 74 |
| Cash dividends to net income (ytd only)* | 46.6019% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,203 |
| Loan loss allowance to noncurrent loans | 365.3519% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,547 |
| Noncurrent loans to loans | 0.3104% | 2,479 |
| Net loans and leases to total assets | 65.0199% | 1,582 |
| Net loans and leases to deposits | 74.8263% | 1,659 |
| Net loans and leases to core deposits | 95.5405% | 713 |
| Total domestic deposits to total assets | 86.8945% | 2,564 |
| Equity capital to assets | 8.8746% | 3,743 |
| Core capital (leverage) ratio | 9.3462% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5199% | 2,443 |
| Memoranda: | ||
| Average total assets | $11,756,913,200 | 142 |
| Average earning assets | $10,971,570,600 | 142 |
| Average equity | $1,145,345,000 | 158 |
| Average total loans | $7,783,095,400 | 147 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6273% | 4,481 |
| Cost of funding earning assets | 0.2931% | 2,657 |
| Net interest margin | 2.3342% | 4,456 |
| Noninterest income to average assets | 0.6808% | 1,885 |
| Noninterest expense to average assets | 1.9518% | 3,807 |
| Loan and lease loss provision to assets | -0.0030% | 4,294 |
| Net operating income to assets | 0.6634% | 3,860 |
| Return on assets (ROA) | 0.7259% | 3,767 |
| Pretax return on assets | 0.9770% | 3,527 |
| Return on Equity (ROE) | 7.2684% | 3,597 |
| Retained earnings to average equity (ytd only) | 2.2583% | 4,122 |
| Net charge-offs to loans | 0.2838% | 286 |
| Credit loss provision to net charge-offs | -1.5826% | 3,033 |
| Earnings coverage of net charge-offs (x) | 4.7546% | 2,251 |
| Efficiency ratio | 68.5621% | 1,750 |
| Assets per employee ($millions) | 21.0503% | 91 |
| Cash dividends to net income (ytd only)* | 68.9301% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,686 |
| Loan loss allowance to noncurrent loans | 263.3015% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 2,156 |
| Noncurrent loans to loans | 0.4783% | 2,124 |
| Net loans and leases to total assets | 66.8697% | 1,446 |
| Net loans and leases to deposits | 76.6126% | 1,610 |
| Net loans and leases to core deposits | 93.7953% | 834 |
| Total domestic deposits to total assets | 87.2829% | 2,225 |
| Equity capital to assets | 9.6850% | 3,206 |
| Core capital (leverage) ratio | 9.8133% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0936% | 2,326 |
| Memoranda: | ||
| Average total assets | $11,458,205,250 | 146 |
| Average earning assets | $10,632,348,000 | 144 |
| Average equity | $1,144,328,250 | 158 |
| Average total loans | $7,599,412,500 | 149 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6254% | 4,525 |
| Cost of funding earning assets | 0.3165% | 2,629 |
| Net interest margin | 2.3089% | 4,510 |
| Noninterest income to average assets | 0.6806% | 1,888 |
| Noninterest expense to average assets | 1.9430% | 3,857 |
| Loan and lease loss provision to assets | 0.1565% | 751 |
| Net operating income to assets | 0.5412% | 4,129 |
| Return on assets (ROA) | 0.6171% | 4,001 |
| Pretax return on assets | 0.8188% | 3,823 |
| Return on Equity (ROE) | 6.1157% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.1157% | 2,755 |
| Net charge-offs to loans | 0.1837% | 462 |
| Credit loss provision to net charge-offs | 129.3587% | 1,219 |
| Earnings coverage of net charge-offs (x) | 7.2677% | 1,924 |
| Efficiency ratio | 68.8462% | 1,779 |
| Assets per employee ($millions) | 20.8977% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,465 |
| Loan loss allowance to noncurrent loans | 305.9488% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,237 |
| Noncurrent loans to loans | 0.5025% | 2,171 |
| Net loans and leases to total assets | 66.3649% | 1,654 |
| Net loans and leases to deposits | 77.2406% | 1,703 |
| Net loans and leases to core deposits | 96.8482% | 770 |
| Total domestic deposits to total assets | 85.9196% | 2,768 |
| Equity capital to assets | 10.1343% | 2,736 |
| Core capital (leverage) ratio | 10.0335% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8780% | 2,013 |
| Memoranda: | ||
| Average total assets | $11,369,276,333 | 145 |
| Average earning assets | $10,545,358,000 | 142 |
| Average equity | $1,147,249,000 | 158 |
| Average total loans | $7,485,730,667 | 150 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5964% | 4,575 |
| Cost of funding earning assets | 0.3498% | 2,518 |
| Net interest margin | 2.2467% | 4,573 |
| Noninterest income to average assets | 0.7128% | 1,837 |
| Noninterest expense to average assets | 1.8287% | 4,155 |
| Loan and lease loss provision to assets | 0.6146% | 92 |
| Net operating income to assets | 0.2747% | 4,553 |
| Return on assets (ROA) | 0.3470% | 4,484 |
| Pretax return on assets | 0.4460% | 4,428 |
| Return on Equity (ROE) | 3.4459% | 4,389 |
| Retained earnings to average equity (ytd only) | 3.4459% | 3,650 |
| Net charge-offs to loans | 0.3353% | 252 |
| Credit loss provision to net charge-offs | 281.7270% | 783 |
| Earnings coverage of net charge-offs (x) | 4.4426% | 1,730 |
| Efficiency ratio | 65.3591% | 2,325 |
| Assets per employee ($millions) | 20.6492% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 1,034 |
| Loan loss allowance to noncurrent loans | 370.5454% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 2,668 |
| Noncurrent loans to loans | 0.4605% | 2,474 |
| Net loans and leases to total assets | 63.0330% | 2,166 |
| Net loans and leases to deposits | 74.0057% | 2,118 |
| Net loans and leases to core deposits | 93.2252% | 1,028 |
| Total domestic deposits to total assets | 85.1732% | 3,035 |
| Equity capital to assets | 9.7641% | 2,934 |
| Core capital (leverage) ratio | 9.9915% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1162% | 1,865 |
| Memoranda: | ||
| Average total assets | $11,338,406,500 | 146 |
| Average earning assets | $10,522,663,000 | 143 |
| Average equity | $1,141,644,000 | 156 |
| Average total loans | $7,376,285,000 | 151 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 4,461 |
| Cost of funding earning assets | 0.7559% | 1,422 |
| Net interest margin | 2.4343% | 4,636 |
| Noninterest income to average assets | 0.6787% | 1,929 |
| Noninterest expense to average assets | 1.9337% | 4,259 |
| Loan and lease loss provision to assets | 0.3549% | 969 |
| Net operating income to assets | 0.5407% | 3,928 |
| Return on assets (ROA) | 0.5472% | 4,007 |
| Pretax return on assets | 0.6456% | 3,985 |
| Return on Equity (ROE) | 5.2082% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.8560% | 2,894 |
| Net charge-offs to loans | 0.0353% | 2,345 |
| Credit loss provision to net charge-offs | 1,518.9299% | 546 |
| Earnings coverage of net charge-offs (x) | 42.4937% | 1,333 |
| Efficiency ratio | 66.0732% | 2,522 |
| Assets per employee ($millions) | 19.4868% | 97 |
| Cash dividends to net income (ytd only)* | 25.9632% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,292 |
| Loan loss allowance to noncurrent loans | 463.3133% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 3,143 |
| Noncurrent loans to loans | 0.3456% | 2,966 |
| Net loans and leases to total assets | 64.9821% | 2,231 |
| Net loans and leases to deposits | 79.4044% | 1,937 |
| Net loans and leases to core deposits | 99.2760% | 940 |
| Total domestic deposits to total assets | 81.8369% | 3,698 |
| Equity capital to assets | 10.3917% | 2,763 |
| Core capital (leverage) ratio | 10.2304% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2084% | 1,776 |
| Memoranda: | ||
| Average total assets | $10,558,118,200 | 144 |
| Average earning assets | $9,749,680,200 | 142 |
| Average equity | $1,109,290,800 | 156 |
| Average total loans | $6,994,215,600 | 153 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 4,450 |
| Cost of funding earning assets | 0.8625% | 1,200 |
| Net interest margin | 2.4560% | 4,686 |
| Noninterest income to average assets | 0.7181% | 1,743 |
| Noninterest expense to average assets | 1.7286% | 4,589 |
| Loan and lease loss provision to assets | 0.3490% | 1,088 |
| Net operating income to assets | 0.7123% | 3,422 |
| Return on assets (ROA) | 0.7233% | 3,480 |
| Pretax return on assets | 0.9207% | 3,323 |
| Return on Equity (ROE) | 6.8641% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.0469% | 2,537 |
| Net charge-offs to loans | 0.0599% | 1,746 |
| Credit loss provision to net charge-offs | 878.9457% | 918 |
| Earnings coverage of net charge-offs (x) | 31.6249% | 1,535 |
| Efficiency ratio | 57.9199% | 3,676 |
| Assets per employee ($millions) | 18.9848% | 97 |
| Cash dividends to net income (ytd only)* | 26.4737% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,395 |
| Loan loss allowance to noncurrent loans | 869.9382% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 3,863 |
| Noncurrent loans to loans | 0.1718% | 3,697 |
| Net loans and leases to total assets | 65.2595% | 2,613 |
| Net loans and leases to deposits | 79.2748% | 2,393 |
| Net loans and leases to core deposits | 104.7933% | 891 |
| Total domestic deposits to total assets | 82.3206% | 3,337 |
| Equity capital to assets | 10.6846% | 2,637 |
| Core capital (leverage) ratio | 10.6659% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6483% | 1,612 |
| Memoranda: | ||
| Average total assets | $10,445,139,000 | 143 |
| Average earning assets | $9,638,696,000 | 141 |
| Average equity | $1,100,580,000 | 156 |
| Average total loans | $6,925,024,250 | 154 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 4,332 |
| Cost of funding earning assets | 1.0256% | 911 |
| Net interest margin | 2.5358% | 4,708 |
| Noninterest income to average assets | 0.7597% | 1,552 |
| Noninterest expense to average assets | 1.7641% | 4,609 |
| Loan and lease loss provision to assets | 0.3389% | 1,264 |
| Net operating income to assets | 0.7816% | 3,102 |
| Return on assets (ROA) | 0.8375% | 3,030 |
| Pretax return on assets | 1.0687% | 2,809 |
| Return on Equity (ROE) | 7.9868% | 2,755 |
| Retained earnings to average equity (ytd only) | 5.2280% | 2,375 |
| Net charge-offs to loans | 0.1036% | 1,242 |
| Credit loss provision to net charge-offs | 493.0696% | 1,249 |
| Earnings coverage of net charge-offs (x) | 19.4501% | 1,718 |
| Efficiency ratio | 56.8884% | 3,837 |
| Assets per employee ($millions) | 18.3911% | 96 |
| Cash dividends to net income (ytd only)* | 34.5415% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,527 |
| Loan loss allowance to noncurrent loans | 1,094.0044% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,103 |
| Noncurrent loans to loans | 0.1295% | 3,939 |
| Net loans and leases to total assets | 64.2311% | 2,852 |
| Net loans and leases to deposits | 76.5690% | 2,798 |
| Net loans and leases to core deposits | 104.5869% | 966 |
| Total domestic deposits to total assets | 83.8866% | 2,785 |
| Equity capital to assets | 10.8594% | 2,456 |
| Core capital (leverage) ratio | 10.3266% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9443% | 1,501 |
| Memoranda: | ||
| Average total assets | $10,370,368,333 | 142 |
| Average earning assets | $9,574,734,000 | 139 |
| Average equity | $1,087,443,667 | 158 |
| Average total loans | $6,877,204,333 | 153 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,347 |
| Cost of funding earning assets | 1.2695% | 622 |
| Net interest margin | 2.4518% | 4,847 |
| Noninterest income to average assets | 1.0110% | 835 |
| Noninterest expense to average assets | 1.8051% | 4,662 |
| Loan and lease loss provision to assets | 0.5788% | 481 |
| Net operating income to assets | 0.6852% | 3,320 |
| Return on assets (ROA) | 0.8634% | 2,745 |
| Pretax return on assets | 1.1314% | 2,420 |
| Return on Equity (ROE) | 8.3820% | 2,353 |
| Retained earnings to average equity (ytd only) | 2.7743% | 3,168 |
| Net charge-offs to loans | 0.2078% | 669 |
| Credit loss provision to net charge-offs | 416.5143% | 978 |
| Earnings coverage of net charge-offs (x) | 10.6836% | 1,756 |
| Efficiency ratio | 54.8698% | 4,320 |
| Assets per employee ($millions) | 19.9607% | 64 |
| Cash dividends to net income (ytd only)* | 66.9016% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,054 |
| Loan loss allowance to noncurrent loans | 354.0151% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,509 |
| Noncurrent loans to loans | 0.3726% | 3,149 |
| Net loans and leases to total assets | 63.1471% | 3,172 |
| Net loans and leases to deposits | 82.9292% | 2,342 |
| Net loans and leases to core deposits | 120.6813% | 448 |
| Total domestic deposits to total assets | 76.1458% | 4,472 |
| Equity capital to assets | 9.7424% | 4,002 |
| Core capital (leverage) ratio | 10.5549% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7584% | 1,988 |
| Memoranda: | ||
| Average total assets | $10,387,665,500 | 143 |
| Average earning assets | $9,655,265,000 | 140 |
| Average equity | $1,069,964,000 | 161 |
| Average total loans | $6,948,698,500 | 151 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 3,417 |
| Cost of funding earning assets | 1.5980% | 303 |
| Net interest margin | 2.7422% | 4,799 |
| Noninterest income to average assets | 0.7165% | 1,756 |
| Noninterest expense to average assets | 1.9762% | 4,572 |
| Loan and lease loss provision to assets | 0.0985% | 2,078 |
| Net operating income to assets | 0.9790% | 2,915 |
| Return on assets (ROA) | 1.0441% | 2,773 |
| Pretax return on assets | 1.3210% | 2,434 |
| Return on Equity (ROE) | 9.9334% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.4980% | 590 |
| Net charge-offs to loans | -0.0111% | 4,498 |
| Credit loss provision to net charge-offs | -1,294.1257% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6434% | 3,747 |
| Assets per employee ($millions) | 17.3351% | 92 |
| Cash dividends to net income (ytd only)* | 4.3831% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 2,506 |
| Loan loss allowance to noncurrent loans | 3,115.9969% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,518 |
| Noncurrent loans to loans | 0.0381% | 4,411 |
| Net loans and leases to total assets | 69.3260% | 2,497 |
| Net loans and leases to deposits | 82.9263% | 2,452 |
| Net loans and leases to core deposits | 127.2847% | 320 |
| Total domestic deposits to total assets | 83.5995% | 2,995 |
| Equity capital to assets | 10.9279% | 3,072 |
| Core capital (leverage) ratio | 10.8316% | 2,656 |
| Tier 1 risk-based capital ratio | 13.9812% | 3,284 |
| Total risk-based capital ratio | 15.0600% | 3,270 |
| Memoranda: | ||
| Average total assets | $9,614,970,600 | 145 |
| Average earning assets | $9,105,184,800 | 140 |
| Average equity | $1,010,586,800 | 163 |
| Average total loans | $6,576,291,400 | 151 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 3,296 |
| Cost of funding earning assets | 1.6415% | 253 |
| Net interest margin | 2.7742% | 4,876 |
| Noninterest income to average assets | 0.7047% | 1,765 |
| Noninterest expense to average assets | 1.9390% | 4,658 |
| Loan and lease loss provision to assets | 0.1107% | 1,764 |
| Net operating income to assets | 1.0192% | 2,913 |
| Return on assets (ROA) | 1.1028% | 2,648 |
| Pretax return on assets | 1.3876% | 2,358 |
| Return on Equity (ROE) | 10.5999% | 2,169 |
| Retained earnings to average equity (ytd only) | 10.0109% | 747 |
| Net charge-offs to loans | -0.0181% | 4,559 |
| Credit loss provision to net charge-offs | -902.0431% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2025% | 3,909 |
| Assets per employee ($millions) | 16.6981% | 94 |
| Cash dividends to net income (ytd only)* | 5.5560% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 2,626 |
| Loan loss allowance to noncurrent loans | 900.6864% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,257 |
| Noncurrent loans to loans | 0.1307% | 4,064 |
| Net loans and leases to total assets | 69.2438% | 2,589 |
| Net loans and leases to deposits | 84.8784% | 2,333 |
| Net loans and leases to core deposits | 138.7583% | 197 |
| Total domestic deposits to total assets | 81.5800% | 3,594 |
| Equity capital to assets | 10.8387% | 3,260 |
| Core capital (leverage) ratio | 10.8611% | 2,781 |
| Tier 1 risk-based capital ratio | 13.9788% | 3,344 |
| Total risk-based capital ratio | 15.0605% | 3,332 |
| Memoranda: | ||
| Average total assets | $9,574,460,500 | 147 |
| Average earning assets | $9,065,655,000 | 141 |
| Average equity | $996,127,250 | 166 |
| Average total loans | $6,505,505,500 | 151 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 3,169 |
| Cost of funding earning assets | 1.6331% | 241 |
| Net interest margin | 2.8219% | 4,901 |
| Noninterest income to average assets | 0.6075% | 2,111 |
| Noninterest expense to average assets | 1.9324% | 4,705 |
| Loan and lease loss provision to assets | 0.0816% | 2,209 |
| Net operating income to assets | 0.9726% | 3,015 |
| Return on assets (ROA) | 1.0367% | 2,852 |
| Pretax return on assets | 1.3459% | 2,396 |
| Return on Equity (ROE) | 10.1076% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.2075% | 979 |
| Net charge-offs to loans | -0.0108% | 4,348 |
| Credit loss provision to net charge-offs | -1,126.9565% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9360% | 3,876 |
| Assets per employee ($millions) | 17.0250% | 80 |
| Cash dividends to net income (ytd only)* | 8.9053% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 2,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.0485% | 3,230 |
| Net loans and leases to deposits | 78.5924% | 3,103 |
| Net loans and leases to core deposits | 126.4595% | 380 |
| Total domestic deposits to total assets | 82.7669% | 3,283 |
| Equity capital to assets | 10.3033% | 3,692 |
| Core capital (leverage) ratio | 10.6721% | 2,912 |
| Tier 1 risk-based capital ratio | 14.1939% | 3,219 |
| Total risk-based capital ratio | 15.2601% | 3,226 |
| Memoranda: | ||
| Average total assets | $9,532,090,330 | 148 |
| Average earning assets | $9,022,988,670 | 142 |
| Average equity | $977,660,330 | 170 |
| Average total loans | $6,408,081,000 | 153 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 2,821 |
| Cost of funding earning assets | 1.6127% | 218 |
| Net interest margin | 2.8997% | 4,876 |
| Noninterest income to average assets | 0.6671% | 1,741 |
| Noninterest expense to average assets | 2.0156% | 4,613 |
| Loan and lease loss provision to assets | 0.1403% | 1,223 |
| Net operating income to assets | 0.9612% | 3,001 |
| Return on assets (ROA) | 1.0145% | 2,835 |
| Pretax return on assets | 1.3136% | 2,398 |
| Return on Equity (ROE) | 9.9151% | 2,407 |
| Retained earnings to average equity (ytd only) | 8.0742% | 1,631 |
| Net charge-offs to loans | -0.0179% | 4,444 |
| Credit loss provision to net charge-offs | -1,149.8246% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2463% | 3,919 |
| Assets per employee ($millions) | 17.5483% | 67 |
| Cash dividends to net income (ytd only)* | 18.5670% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.0678% | 2,750 |
| Net loans and leases to deposits | 80.2438% | 2,812 |
| Net loans and leases to core deposits | 132.9313% | 275 |
| Total domestic deposits to total assets | 84.8263% | 2,739 |
| Equity capital to assets | 10.2926% | 3,528 |
| Core capital (leverage) ratio | 10.5257% | 3,024 |
| Tier 1 risk-based capital ratio | 13.6562% | 3,516 |
| Total risk-based capital ratio | 14.6996% | 3,540 |
| Memoranda: | ||
| Average total assets | $9,343,874,500 | 151 |
| Average earning assets | $8,812,829,500 | 144 |
| Average equity | $956,037,000 | 172 |
| Average total loans | $6,351,726,000 | 155 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,735 |
| Cost of funding earning assets | 1.2560% | 265 |
| Net interest margin | 2.8460% | 4,977 |
| Noninterest income to average assets | 0.6416% | 2,085 |
| Noninterest expense to average assets | 1.9963% | 4,758 |
| Loan and lease loss provision to assets | -0.0482% | 5,193 |
| Net operating income to assets | 1.0804% | 2,674 |
| Return on assets (ROA) | 1.0553% | 2,766 |
| Pretax return on assets | 1.3639% | 2,261 |
| Return on Equity (ROE) | 10.5830% | 2,256 |
| Retained earnings to average equity (ytd only) | 5.9345% | 2,228 |
| Net charge-offs to loans | -0.0271% | 4,780 |
| Credit loss provision to net charge-offs | 268.1735% | 1,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7005% | 3,911 |
| Assets per employee ($millions) | 17.5127% | 68 |
| Cash dividends to net income (ytd only)* | 43.9244% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 2,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.3030% | 3,089 |
| Net loans and leases to deposits | 81.9255% | 2,743 |
| Net loans and leases to core deposits | 130.2171% | 317 |
| Total domestic deposits to total assets | 80.9308% | 3,906 |
| Equity capital to assets | 10.1692% | 3,509 |
| Core capital (leverage) ratio | 10.6666% | 2,874 |
| Tier 1 risk-based capital ratio | 14.1172% | 3,236 |
| Total risk-based capital ratio | 15.1654% | 3,251 |
| Memoranda: | ||
| Average total assets | $9,115,051,200 | 149 |
| Average earning assets | $8,654,627,000 | 143 |
| Average equity | $908,893,400 | 171 |
| Average total loans | $6,031,596,800 | 156 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 3,975 |
| Cost of funding earning assets | 1.1768% | 287 |
| Net interest margin | 2.8058% | 5,077 |
| Noninterest income to average assets | 0.6299% | 2,165 |
| Noninterest expense to average assets | 1.8508% | 4,977 |
| Loan and lease loss provision to assets | -0.0763% | 5,326 |
| Net operating income to assets | 1.1861% | 2,284 |
| Return on assets (ROA) | 1.1519% | 2,437 |
| Pretax return on assets | 1.4782% | 1,975 |
| Return on Equity (ROE) | 11.6104% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.2120% | 2,543 |
| Net charge-offs to loans | -0.0134% | 4,476 |
| Credit loss provision to net charge-offs | 863.7874% | 461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1526% | 4,368 |
| Assets per employee ($millions) | 17.4865% | 64 |
| Cash dividends to net income (ytd only)* | 46.4962% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,994 |
| Loan loss allowance to noncurrent loans | 180.6536% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,977 |
| Noncurrent loans to loans | 0.6285% | 2,513 |
| Net loans and leases to total assets | 67.3400% | 3,031 |
| Net loans and leases to deposits | 82.4521% | 2,769 |
| Net loans and leases to core deposits | 131.2356% | 309 |
| Total domestic deposits to total assets | 81.6717% | 3,698 |
| Equity capital to assets | 10.0769% | 3,563 |
| Core capital (leverage) ratio | 10.5518% | 3,035 |
| Tier 1 risk-based capital ratio | 14.0616% | 3,343 |
| Total risk-based capital ratio | 15.0915% | 3,354 |
| Memoranda: | ||
| Average total assets | $9,086,510,000 | 146 |
| Average earning assets | $8,634,399,750 | 141 |
| Average equity | $901,481,500 | 171 |
| Average total loans | $5,991,881,250 | 156 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 4,184 |
| Cost of funding earning assets | 1.0841% | 313 |
| Net interest margin | 2.7782% | 5,146 |
| Noninterest income to average assets | 0.6557% | 2,065 |
| Noninterest expense to average assets | 1.8550% | 5,027 |
| Loan and lease loss provision to assets | -0.1140% | 5,433 |
| Net operating income to assets | 1.2183% | 2,110 |
| Return on assets (ROA) | 1.2139% | 2,133 |
| Pretax return on assets | 1.5554% | 1,643 |
| Return on Equity (ROE) | 12.2990% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.9696% | 2,088 |
| Net charge-offs to loans | -0.0803% | 5,084 |
| Credit loss provision to net charge-offs | 217.6643% | 1,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1791% | 4,458 |
| Assets per employee ($millions) | 16.9719% | 68 |
| Cash dividends to net income (ytd only)* | 43.3323% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,678 |
| Loan loss allowance to noncurrent loans | 278.5267% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 3,616 |
| Noncurrent loans to loans | 0.4328% | 3,148 |
| Net loans and leases to total assets | 65.4545% | 3,218 |
| Net loans and leases to deposits | 81.2069% | 2,842 |
| Net loans and leases to core deposits | 133.4733% | 271 |
| Total domestic deposits to total assets | 80.6021% | 4,101 |
| Equity capital to assets | 10.1280% | 3,508 |
| Core capital (leverage) ratio | 10.3686% | 3,166 |
| Tier 1 risk-based capital ratio | 14.2699% | 3,223 |
| Total risk-based capital ratio | 15.3537% | 3,230 |
| Memoranda: | ||
| Average total assets | $9,125,153,670 | 145 |
| Average earning assets | $8,691,637,330 | 138 |
| Average equity | $900,658,000 | 170 |
| Average total loans | $5,952,454,330 | 156 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,467 |
| Cost of funding earning assets | 0.9818% | 401 |
| Net interest margin | 2.7179% | 5,243 |
| Noninterest income to average assets | 0.6482% | 2,036 |
| Noninterest expense to average assets | 1.7941% | 5,159 |
| Loan and lease loss provision to assets | -0.2123% | 5,556 |
| Net operating income to assets | 1.2916% | 1,673 |
| Return on assets (ROA) | 1.2916% | 1,677 |
| Pretax return on assets | 1.6550% | 1,228 |
| Return on Equity (ROE) | 13.2527% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.2527% | 488 |
| Net charge-offs to loans | -0.1164% | 5,257 |
| Credit loss provision to net charge-offs | 281.6092% | 855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4284% | 4,653 |
| Assets per employee ($millions) | 18.7750% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,933 |
| Loan loss allowance to noncurrent loans | 280.1876% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,758 |
| Noncurrent loans to loans | 0.4213% | 3,273 |
| Net loans and leases to total assets | 64.8356% | 3,195 |
| Net loans and leases to deposits | 80.1633% | 2,793 |
| Net loans and leases to core deposits | 131.3658% | 316 |
| Total domestic deposits to total assets | 80.8794% | 4,228 |
| Equity capital to assets | 9.8989% | 3,703 |
| Core capital (leverage) ratio | 10.3598% | 3,107 |
| Tier 1 risk-based capital ratio | 14.1009% | 3,325 |
| Total risk-based capital ratio | 15.1684% | 3,338 |
| Memoranda: | ||
| Average total assets | $9,232,607,000 | 141 |
| Average earning assets | $8,793,412,500 | 134 |
| Average equity | $899,773,500 | 169 |
| Average total loans | $5,977,025,500 | 155 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3994% | 4,942 |
| Cost of funding earning assets | 1.0230% | 188 |
| Net interest margin | 2.3764% | 5,476 |
| Noninterest income to average assets | 0.6276% | 2,317 |
| Noninterest expense to average assets | 1.6524% | 5,374 |
| Loan and lease loss provision to assets | 0.2209% | 896 |
| Net operating income to assets | 0.5729% | 4,130 |
| Return on assets (ROA) | 0.5399% | 4,293 |
| Pretax return on assets | 0.9695% | 3,675 |
| Return on Equity (ROE) | 5.5886% | 3,927 |
| Retained earnings to average equity (ytd only) | 2.1629% | 4,025 |
| Net charge-offs to loans | 0.2627% | 991 |
| Credit loss provision to net charge-offs | 133.0550% | 1,986 |
| Earnings coverage of net charge-offs (x) | 7.4797% | 3,036 |
| Efficiency ratio | 57.0911% | 4,643 |
| Assets per employee ($millions) | 18.9853% | 53 |
| Cash dividends to net income (ytd only)* | 61.2978% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,518 |
| Loan loss allowance to noncurrent loans | 391.7850% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 4,124 |
| Noncurrent loans to loans | 0.3170% | 3,644 |
| Net loans and leases to total assets | 63.0896% | 3,478 |
| Net loans and leases to deposits | 75.8458% | 3,342 |
| Net loans and leases to core deposits | 115.1330% | 753 |
| Total domestic deposits to total assets | 83.1814% | 3,501 |
| Equity capital to assets | 9.5952% | 4,147 |
| Core capital (leverage) ratio | 9.8714% | 3,614 |
| Tier 1 risk-based capital ratio | 13.4464% | 3,657 |
| Total risk-based capital ratio | 14.5493% | 3,658 |
| Memoranda: | ||
| Average total assets | $9,233,700,000 | 133 |
| Average earning assets | $8,807,811,600 | 126 |
| Average equity | $892,086,400 | 164 |
| Average total loans | $5,837,124,600 | 151 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3512% | 5,038 |
| Cost of funding earning assets | 1.0122% | 184 |
| Net interest margin | 2.3389% | 5,555 |
| Noninterest income to average assets | 0.6316% | 2,308 |
| Noninterest expense to average assets | 1.6742% | 5,392 |
| Loan and lease loss provision to assets | 0.2475% | 699 |
| Net operating income to assets | 0.6900% | 4,025 |
| Return on assets (ROA) | 0.6900% | 4,095 |
| Pretax return on assets | 0.9423% | 3,890 |
| Return on Equity (ROE) | 7.1297% | 3,578 |
| Retained earnings to average equity (ytd only) | 2.5592% | 4,357 |
| Net charge-offs to loans | 0.2716% | 798 |
| Credit loss provision to net charge-offs | 144.5355% | 1,737 |
| Earnings coverage of net charge-offs (x) | 6.9482% | 2,926 |
| Efficiency ratio | 58.4558% | 4,443 |
| Assets per employee ($millions) | 18.9996% | 50 |
| Cash dividends to net income (ytd only)* | 64.1047% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,692 |
| Loan loss allowance to noncurrent loans | 244.2374% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 3,725 |
| Noncurrent loans to loans | 0.5076% | 3,181 |
| Net loans and leases to total assets | 64.5249% | 3,323 |
| Net loans and leases to deposits | 81.0210% | 2,873 |
| Net loans and leases to core deposits | 121.7522% | 525 |
| Total domestic deposits to total assets | 79.6398% | 4,408 |
| Equity capital to assets | 9.8487% | 4,088 |
| Core capital (leverage) ratio | 9.9605% | 3,617 |
| Tier 1 risk-based capital ratio | 13.1108% | 3,935 |
| Total risk-based capital ratio | 14.1921% | 3,958 |
| Memoranda: | ||
| Average total assets | $9,211,677,500 | 134 |
| Average earning assets | $8,791,961,500 | 127 |
| Average equity | $891,496,500 | 163 |
| Average total loans | $5,807,644,250 | 152 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,134 |
| Cost of funding earning assets | 0.9889% | 186 |
| Net interest margin | 2.2905% | 5,612 |
| Noninterest income to average assets | 0.6248% | 2,351 |
| Noninterest expense to average assets | 1.6537% | 5,451 |
| Loan and lease loss provision to assets | 0.2189% | 808 |
| Net operating income to assets | 0.6762% | 3,952 |
| Return on assets (ROA) | 0.6762% | 4,016 |
| Pretax return on assets | 0.9385% | 3,800 |
| Return on Equity (ROE) | 7.0282% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.6499% | 3,531 |
| Net charge-offs to loans | 0.3160% | 646 |
| Credit loss provision to net charge-offs | 111.1723% | 1,870 |
| Earnings coverage of net charge-offs (x) | 5.8787% | 2,767 |
| Efficiency ratio | 58.8295% | 4,488 |
| Assets per employee ($millions) | 17.9889% | 58 |
| Cash dividends to net income (ytd only)* | 48.0677% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,908 |
| Loan loss allowance to noncurrent loans | 198.7153% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,564 |
| Noncurrent loans to loans | 0.6130% | 2,887 |
| Net loans and leases to total assets | 62.2922% | 3,594 |
| Net loans and leases to deposits | 78.7927% | 3,038 |
| Net loans and leases to core deposits | 112.3135% | 890 |
| Total domestic deposits to total assets | 79.0584% | 4,607 |
| Equity capital to assets | 9.8990% | 4,035 |
| Core capital (leverage) ratio | 9.8098% | 3,764 |
| Tier 1 risk-based capital ratio | 13.4459% | 3,722 |
| Total risk-based capital ratio | 14.4931% | 3,755 |
| Memoranda: | ||
| Average total assets | $9,229,637,000 | 134 |
| Average earning assets | $8,809,534,330 | 125 |
| Average equity | $888,021,000 | 164 |
| Average total loans | $5,749,114,000 | 149 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 5,278 |
| Cost of funding earning assets | 0.9627% | 197 |
| Net interest margin | 2.2080% | 5,700 |
| Noninterest income to average assets | 0.6967% | 1,987 |
| Noninterest expense to average assets | 1.6273% | 5,536 |
| Loan and lease loss provision to assets | 0.2152% | 747 |
| Net operating income to assets | 0.6981% | 3,716 |
| Return on assets (ROA) | 0.6981% | 3,754 |
| Pretax return on assets | 0.9639% | 3,526 |
| Return on Equity (ROE) | 7.3601% | 3,231 |
| Retained earnings to average equity (ytd only) | 0.5536% | 4,792 |
| Net charge-offs to loans | 0.2219% | 805 |
| Credit loss provision to net charge-offs | 156.6416% | 1,183 |
| Earnings coverage of net charge-offs (x) | 8.5824% | 2,052 |
| Efficiency ratio | 57.9844% | 4,716 |
| Assets per employee ($millions) | 19.4856% | 51 |
| Cash dividends to net income (ytd only)* | 92.4784% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,961 |
| Loan loss allowance to noncurrent loans | 248.7739% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 3,971 |
| Noncurrent loans to loans | 0.4932% | 3,324 |
| Net loans and leases to total assets | 61.1178% | 3,641 |
| Net loans and leases to deposits | 77.0270% | 3,077 |
| Net loans and leases to core deposits | 108.0748% | 974 |
| Total domestic deposits to total assets | 79.3459% | 4,759 |
| Equity capital to assets | 9.4712% | 4,306 |
| Core capital (leverage) ratio | 9.6086% | 3,984 |
| Tier 1 risk-based capital ratio | 13.1654% | 3,981 |
| Total risk-based capital ratio | 14.2215% | 3,994 |
| Memoranda: | ||
| Average total assets | $9,293,260,500 | 130 |
| Average earning assets | $8,879,455,000 | 122 |
| Average equity | $881,507,000 | 163 |
| Average total loans | $5,753,671,500 | 148 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0698% | 5,437 |
| Cost of funding earning assets | 0.9209% | 266 |
| Net interest margin | 2.1489% | 5,773 |
| Noninterest income to average assets | 0.6799% | 2,263 |
| Noninterest expense to average assets | 1.5293% | 5,700 |
| Loan and lease loss provision to assets | 0.3587% | 465 |
| Net operating income to assets | 0.6486% | 4,008 |
| Return on assets (ROA) | 0.6496% | 4,118 |
| Pretax return on assets | 0.8436% | 4,037 |
| Return on Equity (ROE) | 6.9792% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.2434% | 2,170 |
| Net charge-offs to loans | 0.6164% | 373 |
| Credit loss provision to net charge-offs | 96.3904% | 2,674 |
| Earnings coverage of net charge-offs (x) | 3.2274% | 3,706 |
| Efficiency ratio | 56.0145% | 5,069 |
| Assets per employee ($millions) | 19.1975% | 50 |
| Cash dividends to net income (ytd only)* | 24.8707% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 3,129 |
| Loan loss allowance to noncurrent loans | 198.5505% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 3,786 |
| Noncurrent loans to loans | 0.6041% | 3,039 |
| Net loans and leases to total assets | 61.2047% | 3,699 |
| Net loans and leases to deposits | 77.3252% | 3,173 |
| Net loans and leases to core deposits | 112.5711% | 752 |
| Total domestic deposits to total assets | 79.1524% | 4,758 |
| Equity capital to assets | 9.4997% | 4,271 |
| Core capital (leverage) ratio | 9.4632% | 4,133 |
| Tier 1 risk-based capital ratio | 12.9875% | 4,089 |
| Total risk-based capital ratio | 14.0048% | 4,121 |
| Memoranda: | ||
| Average total assets | $9,284,488,600 | 121 |
| Average earning assets | $8,858,790,200 | 116 |
| Average equity | $864,169,000 | 160 |
| Average total loans | $5,604,410,200 | 144 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0573% | 5,518 |
| Cost of funding earning assets | 0.9117% | 272 |
| Net interest margin | 2.1455% | 5,842 |
| Noninterest income to average assets | 0.6468% | 2,439 |
| Noninterest expense to average assets | 1.5494% | 5,725 |
| Loan and lease loss provision to assets | 0.3532% | 452 |
| Net operating income to assets | 0.6092% | 4,258 |
| Return on assets (ROA) | 0.6092% | 4,370 |
| Pretax return on assets | 0.7900% | 4,336 |
| Return on Equity (ROE) | 6.5792% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.2537% | 3,299 |
| Net charge-offs to loans | 0.5165% | 410 |
| Credit loss provision to net charge-offs | 114.0261% | 2,174 |
| Earnings coverage of net charge-offs (x) | 3.6910% | 3,373 |
| Efficiency ratio | 57.5433% | 4,886 |
| Assets per employee ($millions) | 19.5025% | 48 |
| Cash dividends to net income (ytd only)* | 35.3465% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,905 |
| Loan loss allowance to noncurrent loans | 201.6146% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 3,871 |
| Noncurrent loans to loans | 0.6244% | 3,139 |
| Net loans and leases to total assets | 61.3153% | 3,706 |
| Net loans and leases to deposits | 77.6898% | 3,219 |
| Net loans and leases to core deposits | 112.8767% | 772 |
| Total domestic deposits to total assets | 78.9232% | 4,738 |
| Equity capital to assets | 9.3917% | 4,770 |
| Core capital (leverage) ratio | 9.4098% | 4,315 |
| Tier 1 risk-based capital ratio | 12.6304% | 4,385 |
| Total risk-based capital ratio | 13.7018% | 4,401 |
| Memoranda: | ||
| Average total assets | $9,287,507,500 | 122 |
| Average earning assets | $8,855,482,000 | 114 |
| Average equity | $859,997,750 | 162 |
| Average total loans | $5,569,498,250 | 147 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0613% | 5,584 |
| Cost of funding earning assets | 0.9155% | 267 |
| Net interest margin | 2.1458% | 5,917 |
| Noninterest income to average assets | 0.6115% | 2,560 |
| Noninterest expense to average assets | 1.5360% | 5,811 |
| Loan and lease loss provision to assets | 0.2721% | 684 |
| Net operating income to assets | 0.6646% | 3,980 |
| Return on assets (ROA) | 0.6646% | 4,119 |
| Pretax return on assets | 0.8495% | 4,121 |
| Return on Equity (ROE) | 7.2122% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.6977% | 3,533 |
| Net charge-offs to loans | 0.5712% | 365 |
| Credit loss provision to net charge-offs | 80.3879% | 2,363 |
| Earnings coverage of net charge-offs (x) | 3.3140% | 3,128 |
| Efficiency ratio | 57.7972% | 4,928 |
| Assets per employee ($millions) | 18.4466% | 52 |
| Cash dividends to net income (ytd only)* | 48.7298% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 3,198 |
| Loan loss allowance to noncurrent loans | 173.2059% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 3,817 |
| Noncurrent loans to loans | 0.7092% | 2,950 |
| Net loans and leases to total assets | 58.8300% | 4,030 |
| Net loans and leases to deposits | 75.1990% | 3,462 |
| Net loans and leases to core deposits | 106.3542% | 1,149 |
| Total domestic deposits to total assets | 78.2325% | 4,950 |
| Equity capital to assets | 9.4790% | 4,790 |
| Core capital (leverage) ratio | 9.4346% | 4,289 |
| Tier 1 risk-based capital ratio | 12.9147% | 4,251 |
| Total risk-based capital ratio | 13.9332% | 4,307 |
| Memoranda: | ||
| Average total assets | $9,262,945,670 | 121 |
| Average earning assets | $8,832,187,000 | 114 |
| Average equity | $853,604,330 | 162 |
| Average total loans | $5,488,323,670 | 148 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0437% | 5,649 |
| Cost of funding earning assets | 0.9227% | 262 |
| Net interest margin | 2.1210% | 5,987 |
| Noninterest income to average assets | 0.6159% | 2,439 |
| Noninterest expense to average assets | 1.5253% | 5,889 |
| Loan and lease loss provision to assets | 0.2148% | 899 |
| Net operating income to assets | 0.6783% | 3,832 |
| Return on assets (ROA) | 0.6783% | 3,949 |
| Pretax return on assets | 0.9017% | 3,840 |
| Return on Equity (ROE) | 7.4653% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.4653% | 1,682 |
| Net charge-offs to loans | 0.6459% | 337 |
| Credit loss provision to net charge-offs | 56.2810% | 2,001 |
| Earnings coverage of net charge-offs (x) | 2.9254% | 2,613 |
| Efficiency ratio | 57.7360% | 5,028 |
| Assets per employee ($millions) | 19.5358% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,481 |
| Loan loss allowance to noncurrent loans | 142.5860% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,604 |
| Noncurrent loans to loans | 0.8416% | 2,743 |
| Net loans and leases to total assets | 58.6702% | 3,968 |
| Net loans and leases to deposits | 74.7367% | 3,344 |
| Net loans and leases to core deposits | 106.9935% | 1,019 |
| Total domestic deposits to total assets | 78.5025% | 5,059 |
| Equity capital to assets | 9.2722% | 4,916 |
| Core capital (leverage) ratio | 9.3502% | 4,428 |
| Tier 1 risk-based capital ratio | 12.8343% | 4,373 |
| Total risk-based capital ratio | 13.8340% | 4,439 |
| Memoranda: | ||
| Average total assets | $9,310,428,000 | 121 |
| Average earning assets | $8,892,967,500 | 113 |
| Average equity | $845,891,500 | 159 |
| Average total loans | $5,502,185,000 | 144 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7798% | 5,893 |
| Cost of funding earning assets | 0.8682% | 337 |
| Net interest margin | 1.9116% | 6,061 |
| Noninterest income to average assets | 0.5912% | 2,765 |
| Noninterest expense to average assets | 1.4480% | 6,008 |
| Loan and lease loss provision to assets | 0.0279% | 3,816 |
| Net operating income to assets | 0.6130% | 4,210 |
| Return on assets (ROA) | 0.6209% | 4,271 |
| Pretax return on assets | 0.8733% | 3,941 |
| Return on Equity (ROE) | 7.4783% | 3,258 |
| Retained earnings to average equity (ytd only) | 5.6162% | 2,005 |
| Net charge-offs to loans | -0.0274% | 5,369 |
| Credit loss provision to net charge-offs | -184.8464% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7877% | 4,643 |
| Assets per employee ($millions) | 19.7916% | 48 |
| Cash dividends to net income (ytd only)* | 24.9004% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,016 |
| Loan loss allowance to noncurrent loans | 150.1423% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 3,635 |
| Noncurrent loans to loans | 0.8522% | 2,652 |
| Net loans and leases to total assets | 58.0594% | 4,083 |
| Net loans and leases to deposits | 74.0300% | 3,490 |
| Net loans and leases to core deposits | 108.4444% | 948 |
| Total domestic deposits to total assets | 78.4269% | 5,078 |
| Equity capital to assets | 8.8991% | 5,224 |
| Core capital (leverage) ratio | 9.0562% | 4,813 |
| Tier 1 risk-based capital ratio | 12.6468% | 4,550 |
| Total risk-based capital ratio | 13.7095% | 4,549 |
| Memoranda: | ||
| Average total assets | $9,702,245,600 | 113 |
| Average earning assets | $8,893,712,400 | 109 |
| Average equity | $805,529,600 | 157 |
| Average total loans | $5,351,895,400 | 139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7442% | 5,998 |
| Cost of funding earning assets | 0.8692% | 346 |
| Net interest margin | 1.8750% | 6,158 |
| Noninterest income to average assets | 0.5626% | 2,967 |
| Noninterest expense to average assets | 1.4512% | 6,069 |
| Loan and lease loss provision to assets | 0.0253% | 3,758 |
| Net operating income to assets | 0.5809% | 4,472 |
| Return on assets (ROA) | 0.5756% | 4,590 |
| Pretax return on assets | 0.7790% | 4,399 |
| Return on Equity (ROE) | 7.0539% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,664 |
| Net charge-offs to loans | -0.0167% | 5,140 |
| Credit loss provision to net charge-offs | -278.2934% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1140% | 4,227 |
| Assets per employee ($millions) | 13.2614% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 3,403 |
| Loan loss allowance to noncurrent loans | 319.1139% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 4,894 |
| Noncurrent loans to loans | 0.3900% | 4,218 |
| Net loans and leases to total assets | 54.9750% | 4,465 |
| Net loans and leases to deposits | 68.9829% | 4,093 |
| Net loans and leases to core deposits | 123.5343% | 390 |
| Total domestic deposits to total assets | 63.0328% | 6,148 |
| Equity capital to assets | 8.3635% | 5,791 |
| Core capital (leverage) ratio | 8.4704% | 5,572 |
| Tier 1 risk-based capital ratio | 11.9798% | 5,099 |
| Total risk-based capital ratio | 12.9759% | 5,169 |
| Memoranda: | ||
| Average total assets | $9,797,349,250 | 113 |
| Average earning assets | $8,887,429,500 | 113 |
| Average equity | $799,522,250 | 158 |
| Average total loans | $5,319,282,000 | 139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7203% | 6,069 |
| Cost of funding earning assets | 0.8617% | 351 |
| Net interest margin | 1.8586% | 6,234 |
| Noninterest income to average assets | 0.5790% | 2,862 |
| Noninterest expense to average assets | 1.4465% | 6,146 |
| Loan and lease loss provision to assets | 0.0363% | 3,398 |
| Net operating income to assets | 0.5095% | 4,725 |
| Return on assets (ROA) | 0.5524% | 4,658 |
| Pretax return on assets | 0.8272% | 4,218 |
| Return on Equity (ROE) | 6.8261% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.8261% | 1,782 |
| Net charge-offs to loans | -0.0212% | 5,193 |
| Credit loss provision to net charge-offs | -317.7419% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6211% | 4,409 |
| Assets per employee ($millions) | 12.8084% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 3,231 |
| Loan loss allowance to noncurrent loans | 314.7648% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,980 |
| Noncurrent loans to loans | 0.4136% | 4,237 |
| Net loans and leases to total assets | 52.9431% | 4,668 |
| Net loans and leases to deposits | 66.4064% | 4,300 |
| Net loans and leases to core deposits | 118.6465% | 505 |
| Total domestic deposits to total assets | 62.0186% | 6,230 |
| Equity capital to assets | 8.2086% | 5,874 |
| Core capital (leverage) ratio | 8.3066% | 5,710 |
| Tier 1 risk-based capital ratio | 12.3607% | 4,905 |
| Total risk-based capital ratio | 13.4101% | 4,929 |
| Memoranda: | ||
| Average total assets | $9,774,294,000 | 115 |
| Average earning assets | $8,911,816,330 | 115 |
| Average equity | $790,968,330 | 159 |
| Average total loans | $5,261,553,330 | 144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7280% | 6,110 |
| Cost of funding earning assets | 0.8567% | 369 |
| Net interest margin | 1.8713% | 6,304 |
| Noninterest income to average assets | 0.5235% | 3,134 |
| Noninterest expense to average assets | 1.4395% | 6,211 |
| Loan and lease loss provision to assets | 0.0660% | 2,618 |
| Net operating income to assets | 0.5126% | 4,614 |
| Return on assets (ROA) | 0.5396% | 4,628 |
| Pretax return on assets | 0.7389% | 4,471 |
| Return on Equity (ROE) | 6.7160% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.7160% | 2,141 |
| Net charge-offs to loans | -0.0090% | 4,676 |
| Credit loss provision to net charge-offs | -1,355.4622% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5414% | 4,391 |
| Assets per employee ($millions) | 13.1626% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 3,586 |
| Loan loss allowance to noncurrent loans | 314.6265% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,059 |
| Noncurrent loans to loans | 0.4034% | 4,383 |
| Net loans and leases to total assets | 53.9998% | 4,448 |
| Net loans and leases to deposits | 67.7771% | 3,981 |
| Net loans and leases to core deposits | 117.0197% | 487 |
| Total domestic deposits to total assets | 60.7597% | 6,312 |
| Equity capital to assets | 8.1573% | 5,961 |
| Core capital (leverage) ratio | 8.1732% | 5,831 |
| Tier 1 risk-based capital ratio | 11.9109% | 5,299 |
| Total risk-based capital ratio | 12.9337% | 5,348 |
| Memoranda: | ||
| Average total assets | $9,775,041,500 | 115 |
| Average earning assets | $8,915,447,000 | 113 |
| Average equity | $785,349,500 | 159 |
| Average total loans | $5,271,200,000 | 140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7217% | 6,251 |
| Cost of funding earning assets | 0.8856% | 418 |
| Net interest margin | 1.8361% | 6,400 |
| Noninterest income to average assets | 0.5616% | 3,113 |
| Noninterest expense to average assets | 1.4459% | 6,328 |
| Loan and lease loss provision to assets | 0.0529% | 3,497 |
| Net operating income to assets | 0.6690% | 4,043 |
| Return on assets (ROA) | 0.2285% | 5,771 |
| Pretax return on assets | 0.2775% | 5,742 |
| Return on Equity (ROE) | 2.9503% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.9503% | 4,146 |
| Net charge-offs to loans | 0.1341% | 2,678 |
| Credit loss provision to net charge-offs | 78.4679% | 2,896 |
| Earnings coverage of net charge-offs (x) | 11.8204% | 2,448 |
| Efficiency ratio | 64.4799% | 4,513 |
| Assets per employee ($millions) | 13.1498% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 3,610 |
| Loan loss allowance to noncurrent loans | 220.6667% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,814 |
| Noncurrent loans to loans | 0.5745% | 3,947 |
| Net loans and leases to total assets | 52.4836% | 4,743 |
| Net loans and leases to deposits | 65.9343% | 4,335 |
| Net loans and leases to core deposits | 117.0573% | 498 |
| Total domestic deposits to total assets | 59.9850% | 6,405 |
| Equity capital to assets | 7.9113% | 6,102 |
| Core capital (leverage) ratio | 8.0220% | 5,989 |
| Tier 1 risk-based capital ratio | 11.7747% | 5,504 |
| Total risk-based capital ratio | 12.7804% | 5,561 |
| Memoranda: | ||
| Average total assets | $9,725,011,400 | 113 |
| Average earning assets | $8,902,327,200 | 111 |
| Average equity | $753,179,200 | 160 |
| Average total loans | $4,887,476,200 | 142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7191% | 6,324 |
| Cost of funding earning assets | 0.8842% | 456 |
| Net interest margin | 1.8350% | 6,479 |
| Noninterest income to average assets | 0.5440% | 3,241 |
| Noninterest expense to average assets | 1.4164% | 6,393 |
| Loan and lease loss provision to assets | 0.0781% | 2,780 |
| Net operating income to assets | 0.5065% | 4,853 |
| Return on assets (ROA) | 0.3873% | 5,377 |
| Pretax return on assets | 0.5410% | 5,204 |
| Return on Equity (ROE) | 5.0277% | 4,701 |
| Retained earnings to average equity (ytd only) | 5.0277% | 3,057 |
| Net charge-offs to loans | 0.2473% | 1,561 |
| Credit loss provision to net charge-offs | 63.7597% | 2,882 |
| Earnings coverage of net charge-offs (x) | 6.6008% | 3,052 |
| Efficiency ratio | 63.6600% | 4,607 |
| Assets per employee ($millions) | 13.1023% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 3,721 |
| Loan loss allowance to noncurrent loans | 207.2537% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 5,020 |
| Noncurrent loans to loans | 0.6202% | 4,067 |
| Net loans and leases to total assets | 49.8372% | 5,028 |
| Net loans and leases to deposits | 62.4716% | 4,698 |
| Net loans and leases to core deposits | 113.6159% | 597 |
| Total domestic deposits to total assets | 59.2871% | 6,494 |
| Equity capital to assets | 7.9602% | 6,155 |
| Core capital (leverage) ratio | 8.1971% | 5,935 |
| Tier 1 risk-based capital ratio | 12.0534% | 5,452 |
| Total risk-based capital ratio | 13.0301% | 5,545 |
| Memoranda: | ||
| Average total assets | $9,710,397,750 | 113 |
| Average earning assets | $8,895,234,750 | 112 |
| Average equity | $747,973,000 | 160 |
| Average total loans | $4,809,184,250 | 144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7386% | 6,374 |
| Cost of funding earning assets | 0.8865% | 461 |
| Net interest margin | 1.8520% | 6,547 |
| Noninterest income to average assets | 0.5383% | 3,216 |
| Noninterest expense to average assets | 1.4239% | 6,454 |
| Loan and lease loss provision to assets | 0.0797% | 2,698 |
| Net operating income to assets | 0.5360% | 4,667 |
| Return on assets (ROA) | 0.3160% | 5,588 |
| Pretax return on assets | 0.4192% | 5,502 |
| Return on Equity (ROE) | 4.1494% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.1494% | 3,533 |
| Net charge-offs to loans | 0.3984% | 1,016 |
| Credit loss provision to net charge-offs | 40.6655% | 2,916 |
| Earnings coverage of net charge-offs (x) | 4.1388% | 3,167 |
| Efficiency ratio | 63.7017% | 4,739 |
| Assets per employee ($millions) | 13.0917% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 3,971 |
| Loan loss allowance to noncurrent loans | 227.8755% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 5,265 |
| Noncurrent loans to loans | 0.5613% | 4,337 |
| Net loans and leases to total assets | 48.2904% | 5,149 |
| Net loans and leases to deposits | 60.6211% | 4,813 |
| Net loans and leases to core deposits | 113.7084% | 552 |
| Total domestic deposits to total assets | 58.4159% | 6,569 |
| Equity capital to assets | 7.8919% | 6,212 |
| Core capital (leverage) ratio | 8.0571% | 6,055 |
| Tier 1 risk-based capital ratio | 12.0428% | 5,520 |
| Total risk-based capital ratio | 12.9955% | 5,609 |
| Memoranda: | ||
| Average total assets | $9,689,093,670 | 110 |
| Average earning assets | $8,877,868,000 | 108 |
| Average equity | $737,945,330 | 162 |
| Average total loans | $4,767,355,670 | 144 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7236% | 6,444 |
| Cost of funding earning assets | 0.8932% | 472 |
| Net interest margin | 1.8305% | 6,623 |
| Noninterest income to average assets | 0.5367% | 3,136 |
| Noninterest expense to average assets | 1.4292% | 6,543 |
| Loan and lease loss provision to assets | 0.1759% | 1,372 |
| Net operating income to assets | 0.4289% | 5,015 |
| Return on assets (ROA) | 0.5405% | 4,572 |
| Pretax return on assets | 0.7562% | 4,285 |
| Return on Equity (ROE) | 7.2279% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.2279% | 1,929 |
| Net charge-offs to loans | 0.2544% | 1,311 |
| Credit loss provision to net charge-offs | 140.1318% | 1,314 |
| Earnings coverage of net charge-offs (x) | 6.2718% | 2,245 |
| Efficiency ratio | 64.4777% | 4,783 |
| Assets per employee ($millions) | 13.5278% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 3,643 |
| Loan loss allowance to noncurrent loans | 157.6450% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 4,824 |
| Noncurrent loans to loans | 0.8836% | 3,674 |
| Net loans and leases to total assets | 48.9241% | 5,012 |
| Net loans and leases to deposits | 61.5330% | 4,602 |
| Net loans and leases to core deposits | 117.2634% | 377 |
| Total domestic deposits to total assets | 58.7641% | 6,642 |
| Equity capital to assets | 7.5638% | 6,293 |
| Core capital (leverage) ratio | 8.0305% | 6,094 |
| Tier 1 risk-based capital ratio | 11.7647% | 5,782 |
| Total risk-based capital ratio | 12.7959% | 5,843 |
| Memoranda: | ||
| Average total assets | $9,670,057,500 | 111 |
| Average earning assets | $8,874,146,000 | 109 |
| Average equity | $723,086,500 | 163 |
| Average total loans | $4,771,961,500 | 142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5097% | 6,612 |
| Cost of funding earning assets | 0.9786% | 502 |
| Net interest margin | 1.5311% | 6,721 |
| Noninterest income to average assets | 0.5192% | 3,640 |
| Noninterest expense to average assets | 1.3514% | 6,654 |
| Loan and lease loss provision to assets | 0.1307% | 2,677 |
| Net operating income to assets | 0.0901% | 6,068 |
| Return on assets (ROA) | 0.0943% | 6,107 |
| Pretax return on assets | 0.4845% | 5,246 |
| Return on Equity (ROE) | 1.2551% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.2551% | 5,263 |
| Net charge-offs to loans | 0.4781% | 1,391 |
| Credit loss provision to net charge-offs | 60.9894% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.7709% | 4,079 |
| Efficiency ratio | 69.4768% | 3,923 |
| Assets per employee ($millions) | 13.3335% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 3,668 |
| Loan loss allowance to noncurrent loans | 147.2670% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 4,843 |
| Noncurrent loans to loans | 0.9487% | 3,616 |
| Net loans and leases to total assets | 48.3909% | 5,252 |
| Net loans and leases to deposits | 60.5442% | 4,890 |
| Net loans and leases to core deposits | 113.6076% | 478 |
| Total domestic deposits to total assets | 59.6791% | 6,714 |
| Equity capital to assets | 7.3901% | 6,333 |
| Core capital (leverage) ratio | 7.8475% | 6,219 |
| Tier 1 risk-based capital ratio | 11.6081% | 5,851 |
| Total risk-based capital ratio | 12.6205% | 5,912 |
| Memoranda: | ||
| Average total assets | $9,670,291,400 | 113 |
| Average earning assets | $9,005,972,600 | 110 |
| Average equity | $726,653,800 | 156 |
| Average total loans | $4,333,704,800 | 150 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 6,583 |
| Cost of funding earning assets | 1.0103% | 465 |
| Net interest margin | 1.7666% | 6,776 |
| Noninterest income to average assets | 0.7553% | 2,341 |
| Noninterest expense to average assets | 1.8457% | 6,268 |
| Loan and lease loss provision to assets | 0.1273% | 2,702 |
| Net operating income to assets | 0.3573% | 5,412 |
| Return on assets (ROA) | 0.4034% | 5,368 |
| Pretax return on assets | 0.4909% | 5,381 |
| Return on Equity (ROE) | 5.3461% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.3461% | 2,836 |
| Net charge-offs to loans | 0.3480% | 1,810 |
| Credit loss provision to net charge-offs | 83.5969% | 2,760 |
| Earnings coverage of net charge-offs (x) | 3.6905% | 3,634 |
| Efficiency ratio | 76.6588% | 2,621 |
| Assets per employee ($millions) | 13.5171% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,308 |
| Loan loss allowance to noncurrent loans | 119.6192% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 4,645 |
| Noncurrent loans to loans | 1.2831% | 3,264 |
| Net loans and leases to total assets | 45.8617% | 5,562 |
| Net loans and leases to deposits | 59.0649% | 5,088 |
| Net loans and leases to core deposits | 112.4865% | 489 |
| Total domestic deposits to total assets | 57.8338% | 6,802 |
| Equity capital to assets | 7.5316% | 6,382 |
| Core capital (leverage) ratio | 8.0859% | 6,164 |
| Tier 1 risk-based capital ratio | 11.9811% | 5,789 |
| Total risk-based capital ratio | 13.0715% | 5,840 |
| Memoranda: | ||
| Average total assets | $9,687,843,000 | 111 |
| Average earning assets | $9,061,790,250 | 109 |
| Average equity | $730,953,000 | 154 |
| Average total loans | $4,239,285,000 | 149 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7298% | 6,648 |
| Cost of funding earning assets | 1.0297% | 466 |
| Net interest margin | 1.7000% | 6,832 |
| Noninterest income to average assets | 0.7519% | 2,403 |
| Noninterest expense to average assets | 1.8445% | 6,302 |
| Loan and lease loss provision to assets | 0.1292% | 2,706 |
| Net operating income to assets | 0.3181% | 5,531 |
| Return on assets (ROA) | 0.3762% | 5,471 |
| Pretax return on assets | 0.4468% | 5,531 |
| Return on Equity (ROE) | 4.9832% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.9832% | 3,065 |
| Net charge-offs to loans | 0.3198% | 1,903 |
| Credit loss provision to net charge-offs | 94.3254% | 2,349 |
| Earnings coverage of net charge-offs (x) | 3.7010% | 3,329 |
| Efficiency ratio | 78.4459% | 2,387 |
| Assets per employee ($millions) | 12.4645% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 2,686 |
| Loan loss allowance to noncurrent loans | 109.4874% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 4,486 |
| Noncurrent loans to loans | 1.5767% | 2,944 |
| Net loans and leases to total assets | 43.2432% | 5,804 |
| Net loans and leases to deposits | 56.0540% | 5,338 |
| Net loans and leases to core deposits | 106.3849% | 725 |
| Total domestic deposits to total assets | 57.7712% | 6,851 |
| Equity capital to assets | 7.7260% | 6,353 |
| Core capital (leverage) ratio | 8.0851% | 6,119 |
| Tier 1 risk-based capital ratio | 12.5087% | 5,491 |
| Total risk-based capital ratio | 13.6834% | 5,489 |
| Memoranda: | ||
| Average total assets | $9,677,522,670 | 110 |
| Average earning assets | $9,104,991,000 | 109 |
| Average equity | $730,610,000 | 152 |
| Average total loans | $4,143,484,670 | 151 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7492% | 6,711 |
| Cost of funding earning assets | 1.0586% | 456 |
| Net interest margin | 1.6907% | 6,912 |
| Noninterest income to average assets | 0.6920% | 2,636 |
| Noninterest expense to average assets | 1.7906% | 6,450 |
| Loan and lease loss provision to assets | 0.0914% | 3,134 |
| Net operating income to assets | 0.3517% | 5,339 |
| Return on assets (ROA) | 0.4200% | 5,200 |
| Pretax return on assets | 0.4807% | 5,318 |
| Return on Equity (ROE) | 5.6252% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.6252% | 2,882 |
| Net charge-offs to loans | 0.3072% | 1,731 |
| Credit loss provision to net charge-offs | 70.4005% | 2,288 |
| Earnings coverage of net charge-offs (x) | 3.8023% | 2,672 |
| Efficiency ratio | 78.3915% | 2,550 |
| Assets per employee ($millions) | 13.2738% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 2,997 |
| Loan loss allowance to noncurrent loans | 99.5923% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 4,550 |
| Noncurrent loans to loans | 1.7094% | 2,983 |
| Net loans and leases to total assets | 41.8020% | 5,857 |
| Net loans and leases to deposits | 54.7433% | 5,379 |
| Net loans and leases to core deposits | 105.7118% | 650 |
| Total domestic deposits to total assets | 56.4739% | 6,935 |
| Equity capital to assets | 7.6356% | 6,548 |
| Core capital (leverage) ratio | 7.8026% | 6,285 |
| Tier 1 risk-based capital ratio | 12.6396% | 5,478 |
| Total risk-based capital ratio | 13.8232% | 5,483 |
| Memoranda: | ||
| Average total assets | $9,848,319,500 | 112 |
| Average earning assets | $9,274,423,000 | 111 |
| Average equity | $735,266,500 | 154 |
| Average total loans | $4,161,192,500 | 154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1396% | 6,697 |
| Cost of funding earning assets | 1.2228% | 522 |
| Net interest margin | 1.9168% | 6,944 |
| Noninterest income to average assets | 0.6699% | 2,882 |
| Noninterest expense to average assets | 1.9411% | 6,436 |
| Loan and lease loss provision to assets | 0.1729% | 3,462 |
| Net operating income to assets | 0.2672% | 5,582 |
| Return on assets (ROA) | 0.4423% | 5,167 |
| Pretax return on assets | 0.5908% | 5,019 |
| Return on Equity (ROE) | 5.9909% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.9909% | 2,081 |
| Net charge-offs to loans | 0.4792% | 2,323 |
| Credit loss provision to net charge-offs | 86.8375% | 3,598 |
| Earnings coverage of net charge-offs (x) | 2.6631% | 4,098 |
| Efficiency ratio | 78.5435% | 2,355 |
| Assets per employee ($millions) | 13.6528% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 2,927 |
| Loan loss allowance to noncurrent loans | 174.2588% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 5,464 |
| Noncurrent loans to loans | 0.9763% | 4,237 |
| Net loans and leases to total assets | 41.2725% | 6,072 |
| Net loans and leases to deposits | 54.3841% | 5,615 |
| Net loans and leases to core deposits | 106.7064% | 662 |
| Total domestic deposits to total assets | 54.5698% | 7,005 |
| Equity capital to assets | 7.3007% | 6,695 |
| Core capital (leverage) ratio | 7.8131% | 6,333 |
| Tier 1 risk-based capital ratio | 12.3768% | 5,561 |
| Total risk-based capital ratio | 13.5757% | 5,538 |
| Memoranda: | ||
| Average total assets | $9,542,895,000 | 114 |
| Average earning assets | $8,968,380,000 | 111 |
| Average equity | $704,462,600 | 155 |
| Average total loans | $3,965,115,400 | 153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 6,772 |
| Cost of funding earning assets | 1.2651% | 518 |
| Net interest margin | 1.9703% | 7,045 |
| Noninterest income to average assets | 0.6858% | 2,779 |
| Noninterest expense to average assets | 1.9756% | 6,389 |
| Loan and lease loss provision to assets | 0.1908% | 3,204 |
| Net operating income to assets | 0.2765% | 5,694 |
| Return on assets (ROA) | 0.4961% | 5,128 |
| Pretax return on assets | 0.6629% | 4,975 |
| Return on Equity (ROE) | 6.7014% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.7014% | 2,280 |
| Net charge-offs to loans | 0.5487% | 1,959 |
| Credit loss provision to net charge-offs | 83.9187% | 3,500 |
| Earnings coverage of net charge-offs (x) | 2.4670% | 4,053 |
| Efficiency ratio | 77.8869% | 2,413 |
| Assets per employee ($millions) | 12.9604% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,159 |
| Loan loss allowance to noncurrent loans | 135.2473% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 5,270 |
| Noncurrent loans to loans | 1.2556% | 3,958 |
| Net loans and leases to total assets | 43.8069% | 5,985 |
| Net loans and leases to deposits | 60.0562% | 5,202 |
| Net loans and leases to core deposits | 114.4969% | 417 |
| Total domestic deposits to total assets | 55.2617% | 7,094 |
| Equity capital to assets | 7.6708% | 6,720 |
| Core capital (leverage) ratio | 7.8786% | 6,416 |
| Tier 1 risk-based capital ratio | 12.1890% | 5,840 |
| Total risk-based capital ratio | 13.3815% | 5,841 |
| Memoranda: | ||
| Average total assets | $9,433,568,000 | 115 |
| Average earning assets | $8,861,081,000 | 112 |
| Average equity | $698,422,750 | 156 |
| Average total loans | $3,908,801,250 | 154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 6,834 |
| Cost of funding earning assets | 1.3049% | 520 |
| Net interest margin | 1.9663% | 7,116 |
| Noninterest income to average assets | 0.6177% | 3,145 |
| Noninterest expense to average assets | 2.0235% | 6,386 |
| Loan and lease loss provision to assets | 0.2224% | 2,858 |
| Net operating income to assets | 0.1639% | 6,015 |
| Return on assets (ROA) | 0.4521% | 5,266 |
| Pretax return on assets | 0.6009% | 5,129 |
| Return on Equity (ROE) | 6.1809% | 4,223 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,582 |
| Net charge-offs to loans | 0.8172% | 1,350 |
| Credit loss provision to net charge-offs | 67.3725% | 3,627 |
| Earnings coverage of net charge-offs (x) | 1.3297% | 4,338 |
| Efficiency ratio | 82.1729% | 1,858 |
| Assets per employee ($millions) | 12.4941% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,882 |
| Loan loss allowance to noncurrent loans | 142.9005% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 5,465 |
| Noncurrent loans to loans | 1.2534% | 4,040 |
| Net loans and leases to total assets | 40.5292% | 6,307 |
| Net loans and leases to deposits | 57.0290% | 5,548 |
| Net loans and leases to core deposits | 113.3640% | 470 |
| Total domestic deposits to total assets | 52.4054% | 7,173 |
| Equity capital to assets | 7.5474% | 6,782 |
| Core capital (leverage) ratio | 7.8592% | 6,404 |
| Tier 1 risk-based capital ratio | 12.4494% | 5,601 |
| Total risk-based capital ratio | 13.6468% | 5,636 |
| Memoranda: | ||
| Average total assets | $9,441,668,000 | 114 |
| Average earning assets | $8,858,242,330 | 111 |
| Average equity | $690,641,670 | 155 |
| Average total loans | $3,814,031,670 | 154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3004% | 6,891 |
| Cost of funding earning assets | 1.3356% | 544 |
| Net interest margin | 1.9648% | 7,176 |
| Noninterest income to average assets | 0.6071% | 3,186 |
| Noninterest expense to average assets | 2.1912% | 6,061 |
| Loan and lease loss provision to assets | 0.3153% | 1,988 |
| Net operating income to assets | -0.0404% | 6,472 |
| Return on assets (ROA) | 0.3007% | 5,822 |
| Pretax return on assets | 0.3994% | 5,728 |
| Return on Equity (ROE) | 4.1753% | 5,213 |
| Retained earnings to average equity (ytd only) | 4.1753% | 4,086 |
| Net charge-offs to loans | 0.6619% | 1,478 |
| Credit loss provision to net charge-offs | 119.1800% | 1,995 |
| Earnings coverage of net charge-offs (x) | 0.9828% | 3,838 |
| Efficiency ratio | 89.3922% | 1,146 |
| Assets per employee ($millions) | 12.8993% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 2,403 |
| Loan loss allowance to noncurrent loans | 119.2596% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 5,242 |
| Noncurrent loans to loans | 1.6635% | 3,607 |
| Net loans and leases to total assets | 38.8194% | 6,434 |
| Net loans and leases to deposits | 57.7562% | 5,407 |
| Net loans and leases to core deposits | 116.6751% | 367 |
| Total domestic deposits to total assets | 49.8729% | 7,242 |
| Equity capital to assets | 7.2417% | 6,870 |
| Core capital (leverage) ratio | 7.4767% | 6,648 |
| Tier 1 risk-based capital ratio | 12.5347% | 5,578 |
| Total risk-based capital ratio | 13.7867% | 5,538 |
| Memoranda: | ||
| Average total assets | $9,514,696,500 | 113 |
| Average earning assets | $8,929,999,000 | 109 |
| Average equity | $685,172,000 | 155 |
| Average total loans | $3,802,977,000 | 154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 6,962 |
| Cost of funding earning assets | 1.3752% | 1,146 |
| Net interest margin | 2.1814% | 7,184 |
| Noninterest income to average assets | 0.6290% | 3,009 |
| Noninterest expense to average assets | 1.8265% | 6,924 |
| Loan and lease loss provision to assets | 0.4353% | 2,420 |
| Net operating income to assets | 0.3226% | 5,179 |
| Return on assets (ROA) | 0.4880% | 4,680 |
| Pretax return on assets | 0.6390% | 4,559 |
| Return on Equity (ROE) | 6.0306% | 3,858 |
| Retained earnings to average equity (ytd only) | -7.1338% | 6,581 |
| Net charge-offs to loans | 0.7459% | 2,288 |
| Credit loss provision to net charge-offs | 141.4765% | 2,067 |
| Earnings coverage of net charge-offs (x) | 2.7840% | 3,831 |
| Efficiency ratio | 68.0759% | 4,341 |
| Assets per employee ($millions) | 12.6790% | 130 |
| Cash dividends to net income (ytd only)* | 218.2929% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 2,478 |
| Loan loss allowance to noncurrent loans | 96.4034% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 4,995 |
| Noncurrent loans to loans | 2.0009% | 3,203 |
| Net loans and leases to total assets | 39.5582% | 6,568 |
| Net loans and leases to deposits | 55.8966% | 5,907 |
| Net loans and leases to core deposits | 115.0086% | 468 |
| Total domestic deposits to total assets | 52.3181% | 7,277 |
| Equity capital to assets | 7.1605% | 6,919 |
| Core capital (leverage) ratio | 7.4259% | 6,687 |
| Tier 1 risk-based capital ratio | 12.3833% | 5,556 |
| Total risk-based capital ratio | 14.5914% | 4,785 |
| Memoranda: | ||
| Average total assets | $9,386,552,800 | 115 |
| Average earning assets | $8,838,375,600 | 108 |
| Average equity | $759,622,400 | 142 |
| Average total loans | $3,871,596,400 | 144 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 7,033 |
| Cost of funding earning assets | 1.3723% | 1,360 |
| Net interest margin | 2.2175% | 7,253 |
| Noninterest income to average assets | 0.6676% | 2,786 |
| Noninterest expense to average assets | 1.8211% | 6,965 |
| Loan and lease loss provision to assets | 0.4415% | 2,267 |
| Net operating income to assets | 0.3659% | 5,137 |
| Return on assets (ROA) | 0.5583% | 4,451 |
| Pretax return on assets | 0.7544% | 4,297 |
| Return on Equity (ROE) | 6.7031% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.7031% | 2,131 |
| Net charge-offs to loans | 0.8577% | 1,851 |
| Credit loss provision to net charge-offs | 124.0943% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.6308% | 3,799 |
| Efficiency ratio | 66.0528% | 4,708 |
| Assets per employee ($millions) | 12.7813% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 3,357 |
| Loan loss allowance to noncurrent loans | 91.9882% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 5,213 |
| Noncurrent loans to loans | 1.8209% | 3,612 |
| Net loans and leases to total assets | 41.2092% | 6,544 |
| Net loans and leases to deposits | 60.5659% | 5,572 |
| Net loans and leases to core deposits | 127.1076% | 276 |
| Total domestic deposits to total assets | 51.5665% | 7,353 |
| Equity capital to assets | 8.2025% | 6,558 |
| Core capital (leverage) ratio | 8.4387% | 5,792 |
| Tier 1 risk-based capital ratio | 13.6397% | 4,623 |
| Total risk-based capital ratio | 15.8144% | 3,904 |
| Memoranda: | ||
| Average total assets | $9,362,221,750 | 114 |
| Average earning assets | $8,821,641,250 | 108 |
| Average equity | $779,755,500 | 142 |
| Average total loans | $3,883,134,000 | 145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6487% | 7,064 |
| Cost of funding earning assets | 1.3748% | 1,531 |
| Net interest margin | 2.2739% | 7,286 |
| Noninterest income to average assets | 0.7285% | 2,383 |
| Noninterest expense to average assets | 1.8778% | 6,977 |
| Loan and lease loss provision to assets | 0.4211% | 2,325 |
| Net operating income to assets | 0.4111% | 4,890 |
| Return on assets (ROA) | 0.6118% | 4,130 |
| Pretax return on assets | 0.8501% | 3,830 |
| Return on Equity (ROE) | 7.3072% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.3072% | 1,739 |
| Net charge-offs to loans | 1.0733% | 1,466 |
| Credit loss provision to net charge-offs | 94.9321% | 3,311 |
| Earnings coverage of net charge-offs (x) | 2.2375% | 3,713 |
| Efficiency ratio | 65.4228% | 4,982 |
| Assets per employee ($millions) | 12.6394% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,719 |
| Loan loss allowance to noncurrent loans | 98.6751% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 5,547 |
| Noncurrent loans to loans | 1.6143% | 3,976 |
| Net loans and leases to total assets | 40.0879% | 6,738 |
| Net loans and leases to deposits | 58.4017% | 5,886 |
| Net loans and leases to core deposits | 127.6140% | 295 |
| Total domestic deposits to total assets | 49.6258% | 7,431 |
| Equity capital to assets | 8.4879% | 6,199 |
| Core capital (leverage) ratio | 8.6194% | 5,363 |
| Tier 1 risk-based capital ratio | 13.9393% | 4,210 |
| Total risk-based capital ratio | 16.0706% | 3,567 |
| Memoranda: | ||
| Average total assets | $9,262,072,000 | 118 |
| Average earning assets | $8,723,543,000 | 109 |
| Average equity | $775,479,670 | 144 |
| Average total loans | $3,827,597,670 | 149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 7,036 |
| Cost of funding earning assets | 1.3921% | 1,653 |
| Net interest margin | 2.3354% | 7,297 |
| Noninterest income to average assets | 0.7003% | 2,576 |
| Noninterest expense to average assets | 1.9140% | 6,968 |
| Loan and lease loss provision to assets | 0.3257% | 2,595 |
| Net operating income to assets | 0.4796% | 4,577 |
| Return on assets (ROA) | 0.6212% | 3,987 |
| Pretax return on assets | 0.8508% | 3,704 |
| Return on Equity (ROE) | 7.4715% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.4715% | 1,953 |
| Net charge-offs to loans | 1.0503% | 1,302 |
| Credit loss provision to net charge-offs | 74.5082% | 3,269 |
| Earnings coverage of net charge-offs (x) | 2.2475% | 3,192 |
| Efficiency ratio | 66.0794% | 5,025 |
| Assets per employee ($millions) | 12.5762% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 3,809 |
| Loan loss allowance to noncurrent loans | 108.1421% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 5,641 |
| Noncurrent loans to loans | 1.4628% | 4,269 |
| Net loans and leases to total assets | 40.4664% | 6,743 |
| Net loans and leases to deposits | 61.7068% | 5,540 |
| Net loans and leases to core deposits | 134.7563% | 233 |
| Total domestic deposits to total assets | 48.9230% | 7,488 |
| Equity capital to assets | 8.4989% | 5,907 |
| Core capital (leverage) ratio | 8.4106% | 5,607 |
| Tier 1 risk-based capital ratio | 13.7478% | 4,246 |
| Total risk-based capital ratio | 15.8625% | 3,623 |
| Memoranda: | ||
| Average total assets | $9,210,218,000 | 118 |
| Average earning assets | $8,661,139,500 | 112 |
| Average equity | $765,741,000 | 144 |
| Average total loans | $3,833,736,500 | 149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 7,285 |
| Cost of funding earning assets | 1.4828% | 2,744 |
| Net interest margin | 2.2606% | 7,386 |
| Noninterest income to average assets | 0.6783% | 2,972 |
| Noninterest expense to average assets | 1.7674% | 7,293 |
| Loan and lease loss provision to assets | 0.4841% | 3,238 |
| Net operating income to assets | 0.4356% | 4,385 |
| Return on assets (ROA) | 0.5429% | 4,065 |
| Pretax return on assets | 0.6794% | 4,050 |
| Return on Equity (ROE) | 6.8820% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.8820% | 1,374 |
| Net charge-offs to loans | 1.2768% | 1,759 |
| Credit loss provision to net charge-offs | 94.5680% | 4,915 |
| Earnings coverage of net charge-offs (x) | 2.0110% | 4,227 |
| Efficiency ratio | 63.1928% | 5,484 |
| Assets per employee ($millions) | 12.7432% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,594 |
| Loan loss allowance to noncurrent loans | 101.0777% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 5,620 |
| Noncurrent loans to loans | 1.5774% | 4,137 |
| Net loans and leases to total assets | 41.4498% | 6,877 |
| Net loans and leases to deposits | 63.1163% | 5,731 |
| Net loans and leases to core deposits | 133.6752% | 290 |
| Total domestic deposits to total assets | 49.5327% | 7,565 |
| Equity capital to assets | 8.1333% | 6,341 |
| Core capital (leverage) ratio | 8.1818% | 5,859 |
| Tier 1 risk-based capital ratio | 12.4006% | 5,108 |
| Total risk-based capital ratio | 14.5496% | 4,330 |
| Memoranda: | ||
| Average total assets | $9,321,667,600 | 115 |
| Average earning assets | $8,735,643,400 | 109 |
| Average equity | $735,308,800 | 144 |
| Average total loans | $3,737,252,400 | 147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 7,435 |
| Cost of funding earning assets | 1.5069% | 2,933 |
| Net interest margin | 2.2224% | 7,509 |
| Noninterest income to average assets | 0.6789% | 2,952 |
| Noninterest expense to average assets | 1.7368% | 7,404 |
| Loan and lease loss provision to assets | 0.4798% | 3,077 |
| Net operating income to assets | 0.4043% | 4,731 |
| Return on assets (ROA) | 0.5967% | 4,046 |
| Pretax return on assets | 0.7990% | 3,909 |
| Return on Equity (ROE) | 7.6239% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.6239% | 1,549 |
| Net charge-offs to loans | 1.2383% | 1,649 |
| Credit loss provision to net charge-offs | 97.8790% | 4,440 |
| Earnings coverage of net charge-offs (x) | 2.0852% | 4,162 |
| Efficiency ratio | 62.9508% | 5,442 |
| Assets per employee ($millions) | 12.9651% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,468 |
| Loan loss allowance to noncurrent loans | 104.8688% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 5,779 |
| Noncurrent loans to loans | 1.5383% | 4,332 |
| Net loans and leases to total assets | 41.5696% | 7,003 |
| Net loans and leases to deposits | 67.2420% | 5,516 |
| Net loans and leases to core deposits | 144.1292% | 224 |
| Total domestic deposits to total assets | 48.1172% | 7,667 |
| Equity capital to assets | 8.0024% | 6,804 |
| Core capital (leverage) ratio | 8.2275% | 5,995 |
| Tier 1 risk-based capital ratio | 12.2496% | 5,219 |
| Total risk-based capital ratio | 14.4276% | 4,421 |
| Memoranda: | ||
| Average total assets | $9,323,268,000 | 114 |
| Average earning assets | $8,726,037,000 | 108 |
| Average equity | $729,725,500 | 142 |
| Average total loans | $3,690,637,000 | 145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 7,514 |
| Cost of funding earning assets | 1.5359% | 3,033 |
| Net interest margin | 2.1977% | 7,584 |
| Noninterest income to average assets | 0.6889% | 2,767 |
| Noninterest expense to average assets | 1.7337% | 7,474 |
| Loan and lease loss provision to assets | 0.4849% | 2,876 |
| Net operating income to assets | 0.3680% | 4,902 |
| Return on assets (ROA) | 0.5959% | 4,033 |
| Pretax return on assets | 0.8431% | 3,733 |
| Return on Equity (ROE) | 7.6715% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.6715% | 1,567 |
| Net charge-offs to loans | 1.5114% | 1,266 |
| Credit loss provision to net charge-offs | 82.9401% | 4,630 |
| Earnings coverage of net charge-offs (x) | 1.7227% | 4,218 |
| Efficiency ratio | 63.2550% | 5,474 |
| Assets per employee ($millions) | 12.6559% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,226 |
| Loan loss allowance to noncurrent loans | 89.2392% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 5,592 |
| Noncurrent loans to loans | 1.8590% | 3,921 |
| Net loans and leases to total assets | 39.4268% | 7,199 |
| Net loans and leases to deposits | 62.3849% | 6,198 |
| Net loans and leases to core deposits | 130.3129% | 416 |
| Total domestic deposits to total assets | 48.9532% | 7,737 |
| Equity capital to assets | 8.1117% | 6,643 |
| Core capital (leverage) ratio | 7.8844% | 6,400 |
| Tier 1 risk-based capital ratio | 12.5277% | 4,836 |
| Total risk-based capital ratio | 14.7327% | 4,043 |
| Memoranda: | ||
| Average total assets | $9,280,496,330 | 115 |
| Average earning assets | $8,665,036,000 | 108 |
| Average equity | $720,851,000 | 141 |
| Average total loans | $3,589,713,670 | 149 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 7,624 |
| Cost of funding earning assets | 1.5549% | 3,234 |
| Net interest margin | 2.1775% | 7,657 |
| Noninterest income to average assets | 0.6455% | 2,961 |
| Noninterest expense to average assets | 1.7362% | 7,539 |
| Loan and lease loss provision to assets | 0.4482% | 2,724 |
| Net operating income to assets | 0.3303% | 5,165 |
| Return on assets (ROA) | 0.6204% | 3,937 |
| Pretax return on assets | 0.9484% | 3,271 |
| Return on Equity (ROE) | 8.1628% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.1628% | 1,639 |
| Net charge-offs to loans | 1.3638% | 1,261 |
| Credit loss provision to net charge-offs | 86.4981% | 3,739 |
| Earnings coverage of net charge-offs (x) | 1.8339% | 3,637 |
| Efficiency ratio | 64.6276% | 5,366 |
| Assets per employee ($millions) | 13.0336% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,787 |
| Loan loss allowance to noncurrent loans | 69.6736% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 5,167 |
| Noncurrent loans to loans | 2.5571% | 3,113 |
| Net loans and leases to total assets | 37.9432% | 7,348 |
| Net loans and leases to deposits | 58.7277% | 6,577 |
| Net loans and leases to core deposits | 114.8512% | 1,003 |
| Total domestic deposits to total assets | 50.6222% | 7,836 |
| Equity capital to assets | 7.8404% | 6,820 |
| Core capital (leverage) ratio | 7.7674% | 6,542 |
| Tier 1 risk-based capital ratio | 12.5342% | 4,717 |
| Total risk-based capital ratio | 14.8296% | 3,903 |
| Memoranda: | ||
| Average total assets | $9,370,957,500 | 114 |
| Average earning assets | $8,783,443,500 | 106 |
| Average equity | $712,209,500 | 142 |
| Average total loans | $3,560,474,500 | 151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 7,487 |
| Cost of funding earning assets | 1.8623% | 3,662 |
| Net interest margin | 2.5246% | 7,403 |
| Noninterest income to average assets | 0.5475% | 4,047 |
| Noninterest expense to average assets | 1.7727% | 7,639 |
| Loan and lease loss provision to assets | 0.4293% | 4,252 |
| Net operating income to assets | 0.4484% | 3,932 |
| Return on assets (ROA) | 0.4566% | 4,024 |
| Pretax return on assets | 0.6480% | 3,753 |
| Return on Equity (ROE) | 6.5954% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.5954% | 1,125 |
| Net charge-offs to loans | 1.0537% | 2,302 |
| Credit loss provision to net charge-offs | 101.4090% | 5,444 |
| Earnings coverage of net charge-offs (x) | 2.5170% | 3,864 |
| Efficiency ratio | 62.4565% | 6,065 |
| Assets per employee ($millions) | 12.2447% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 2,442 |
| Loan loss allowance to noncurrent loans | 68.1279% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 5,100 |
| Noncurrent loans to loans | 2.6891% | 2,860 |
| Net loans and leases to total assets | 36.6925% | 7,495 |
| Net loans and leases to deposits | 56.1908% | 6,908 |
| Net loans and leases to core deposits | 149.7731% | 514 |
| Total domestic deposits to total assets | 49.7880% | 7,910 |
| Equity capital to assets | 7.3672% | 7,148 |
| Core capital (leverage) ratio | 7.7157% | 6,544 |
| Tier 1 risk-based capital ratio | 12.3168% | 4,663 |
| Total risk-based capital ratio | 14.7320% | 3,782 |
| Memoranda: | ||
| Average total assets | $9,438,202,800 | 110 |
| Average earning assets | $8,564,172,000 | 108 |
| Average equity | $653,451,200 | 150 |
| Average total loans | $3,792,242,600 | 150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 7,437 |
| Cost of funding earning assets | 1.9387% | 3,668 |
| Net interest margin | 2.6405% | 7,308 |
| Noninterest income to average assets | 0.4705% | 4,750 |
| Noninterest expense to average assets | 1.7769% | 7,683 |
| Loan and lease loss provision to assets | 0.4348% | 3,729 |
| Net operating income to assets | 0.4510% | 4,189 |
| Return on assets (ROA) | 0.4170% | 4,429 |
| Pretax return on assets | 0.5862% | 4,223 |
| Return on Equity (ROE) | 6.1214% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.1214% | 1,891 |
| Net charge-offs to loans | 0.9687% | 2,036 |
| Credit loss provision to net charge-offs | 109.7849% | 4,632 |
| Earnings coverage of net charge-offs (x) | 2.6992% | 3,877 |
| Efficiency ratio | 62.4349% | 6,028 |
| Assets per employee ($millions) | 11.3102% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,361 |
| Loan loss allowance to noncurrent loans | 120.3091% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 5,947 |
| Noncurrent loans to loans | 1.4762% | 4,463 |
| Net loans and leases to total assets | 39.9526% | 7,470 |
| Net loans and leases to deposits | 65.0582% | 6,394 |
| Net loans and leases to core deposits | 215.2021% | 73 |
| Total domestic deposits to total assets | 45.5028% | 8,002 |
| Equity capital to assets | 7.3843% | 7,381 |
| Core capital (leverage) ratio | 7.3495% | 7,134 |
| Tier 1 risk-based capital ratio | 11.0701% | 5,881 |
| Total risk-based capital ratio | 13.3625% | 4,815 |
| Memoranda: | ||
| Average total assets | $9,419,223,500 | 117 |
| Average earning assets | $8,473,874,750 | 114 |
| Average equity | $641,583,750 | 157 |
| Average total loans | $3,851,273,000 | 159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 7,524 |
| Cost of funding earning assets | 2.0120% | 3,717 |
| Net interest margin | 2.5938% | 7,367 |
| Noninterest income to average assets | 0.4304% | 5,025 |
| Noninterest expense to average assets | 1.7165% | 7,817 |
| Loan and lease loss provision to assets | 0.4172% | 3,448 |
| Net operating income to assets | 0.4621% | 4,243 |
| Return on assets (ROA) | 0.3236% | 4,911 |
| Pretax return on assets | 0.4440% | 4,817 |
| Return on Equity (ROE) | 4.8859% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.8859% | 2,573 |
| Net charge-offs to loans | 1.3002% | 1,422 |
| Credit loss provision to net charge-offs | 78.3504% | 5,241 |
| Earnings coverage of net charge-offs (x) | 1.9735% | 4,103 |
| Efficiency ratio | 62.0248% | 6,242 |
| Assets per employee ($millions) | 11.2808% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 2,862 |
| Loan loss allowance to noncurrent loans | 120.4587% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 6,130 |
| Noncurrent loans to loans | 1.3048% | 4,599 |
| Net loans and leases to total assets | 39.2241% | 7,581 |
| Net loans and leases to deposits | 64.6470% | 6,501 |
| Net loans and leases to core deposits | 230.7600% | 69 |
| Total domestic deposits to total assets | 43.6648% | 8,084 |
| Equity capital to assets | 6.8489% | 7,686 |
| Core capital (leverage) ratio | 6.9470% | 7,576 |
| Tier 1 risk-based capital ratio | 9.8187% | 7,112 |
| Total risk-based capital ratio | 11.8410% | 6,241 |
| Memoranda: | ||
| Average total assets | $9,452,442,330 | 121 |
| Average earning assets | $8,516,590,000 | 119 |
| Average equity | $626,050,670 | 163 |
| Average total loans | $3,871,452,000 | 166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 7,602 |
| Cost of funding earning assets | 2.1775% | 3,275 |
| Net interest margin | 2.4427% | 7,568 |
| Noninterest income to average assets | 0.4929% | 4,387 |
| Noninterest expense to average assets | 1.7505% | 7,762 |
| Loan and lease loss provision to assets | 0.2631% | 3,853 |
| Net operating income to assets | 0.4631% | 4,600 |
| Return on assets (ROA) | 0.3659% | 5,173 |
| Pretax return on assets | 0.5266% | 4,992 |
| Return on Equity (ROE) | 5.6206% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.6206% | 2,812 |
| Net charge-offs to loans | 0.6492% | 1,883 |
| Credit loss provision to net charge-offs | 97.6146% | 3,848 |
| Earnings coverage of net charge-offs (x) | 3.4529% | 3,176 |
| Efficiency ratio | 65.2911% | 5,451 |
| Assets per employee ($millions) | 11.7057% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,227 |
| Loan loss allowance to noncurrent loans | 147.1119% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 6,099 |
| Noncurrent loans to loans | 1.1378% | 4,718 |
| Net loans and leases to total assets | 39.9705% | 7,568 |
| Net loans and leases to deposits | 62.7406% | 6,672 |
| Net loans and leases to core deposits | 223.4783% | 96 |
| Total domestic deposits to total assets | 43.2125% | 8,130 |
| Equity capital to assets | 6.4885% | 7,872 |
| Core capital (leverage) ratio | 6.8523% | 7,726 |
| Tier 1 risk-based capital ratio | 9.6470% | 7,294 |
| Total risk-based capital ratio | 11.7212% | 6,341 |
| Memoranda: | ||
| Average total assets | $9,457,629,000 | 119 |
| Average earning assets | $8,471,785,000 | 120 |
| Average equity | $615,738,000 | 160 |
| Average total loans | $3,925,825,500 | 165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 7,616 |
| Cost of funding earning assets | 2.7978% | 2,716 |
| Net interest margin | 2.4868% | 7,770 |
| Noninterest income to average assets | 0.5844% | 3,978 |
| Noninterest expense to average assets | 1.7270% | 7,841 |
| Loan and lease loss provision to assets | 0.1901% | 4,981 |
| Net operating income to assets | 0.7458% | 3,690 |
| Return on assets (ROA) | 0.3693% | 5,079 |
| Pretax return on assets | 0.4747% | 5,056 |
| Return on Equity (ROE) | 5.5522% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.5522% | 1,743 |
| Net charge-offs to loans | 0.2586% | 3,688 |
| Credit loss provision to net charge-offs | 169.5886% | 3,025 |
| Earnings coverage of net charge-offs (x) | 10.2347% | 2,550 |
| Efficiency ratio | 60.0798% | 6,327 |
| Assets per employee ($millions) | 10.9829% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 2,184 |
| Loan loss allowance to noncurrent loans | 184.9359% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 6,128 |
| Noncurrent loans to loans | 0.8727% | 4,872 |
| Net loans and leases to total assets | 41.6867% | 7,605 |
| Net loans and leases to deposits | 63.4171% | 6,849 |
| Net loans and leases to core deposits | 193.2781% | 196 |
| Total domestic deposits to total assets | 45.1445% | 8,162 |
| Equity capital to assets | 6.5326% | 7,925 |
| Core capital (leverage) ratio | 6.9619% | 7,720 |
| Tier 1 risk-based capital ratio | 9.8342% | 6,915 |
| Total risk-based capital ratio | 11.9595% | 5,899 |
| Memoranda: | ||
| Average total assets | $9,299,925,000 | 116 |
| Average earning assets | $8,564,588,000 | 113 |
| Average equity | $618,492,000 | 162 |
| Average total loans | $4,031,641,800 | 162 |