Home > Luther Burbank Savings > Performance and Condition Ratios
Luther Burbank Savings, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,214 |
| Cost of funding earning assets | 3.0876% | 126 |
| Net interest margin | 1.3489% | 4,524 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 0.8179% | 4,516 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.2895% | 4,045 |
| Return on assets (ROA) | 0.2907% | 4,043 |
| Pretax return on assets | 0.4301% | 3,919 |
| Return on Equity (ROE) | 2.8500% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.4887% | 3,711 |
| Net charge-offs to loans | 0.0198% | 1,948 |
| Credit loss provision to net charge-offs | 585.1608% | 603 |
| Earnings coverage of net charge-offs (x) | 31.2376% | 1,610 |
| Efficiency ratio | 58.0715% | 3,292 |
| Assets per employee ($millions) | 37.0692% | 38 |
| Cash dividends to net income (ytd only)* | 47.8328% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,207 |
| Loan loss allowance to noncurrent loans | 270.1031% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,250 |
| Noncurrent loans to loans | 0.2343% | 2,375 |
| Net loans and leases to total assets | 82.4900% | 389 |
| Net loans and leases to deposits | 115.6851% | 115 |
| Net loans and leases to core deposits | 178.3193% | 104 |
| Total domestic deposits to total assets | 71.3100% | 4,252 |
| Equity capital to assets | 10.1730% | 1,905 |
| Core capital (leverage) ratio | 10.8825% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5218% | 509 |
| Memoranda: | ||
| Average total assets | $8,197,897,800 | 183 |
| Average earning assets | $7,996,965,200 | 169 |
| Average equity | $835,177,800 | 187 |
| Average total loans | $6,923,479,600 | 161 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 3,061 |
| Cost of funding earning assets | 2.9226% | 133 |
| Net interest margin | 1.5008% | 4,526 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 0.7814% | 4,543 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4595% | 3,851 |
| Return on assets (ROA) | 0.4554% | 3,855 |
| Pretax return on assets | 0.6444% | 3,653 |
| Return on Equity (ROE) | 4.4700% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.0144% | 3,503 |
| Net charge-offs to loans | 0.0089% | 2,082 |
| Credit loss provision to net charge-offs | 811.0151% | 458 |
| Earnings coverage of net charge-offs (x) | 93.5724% | 955 |
| Efficiency ratio | 52.5586% | 3,713 |
| Assets per employee ($millions) | 36.4624% | 38 |
| Cash dividends to net income (ytd only)* | 32.5337% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 4,290 |
| Loan loss allowance to noncurrent loans | 602.0377% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,046 |
| Noncurrent loans to loans | 0.0970% | 3,095 |
| Net loans and leases to total assets | 83.4700% | 329 |
| Net loans and leases to deposits | 117.0235% | 102 |
| Net loans and leases to core deposits | 177.1360% | 60 |
| Total domestic deposits to total assets | 71.3300% | 4,281 |
| Equity capital to assets | 10.2632% | 1,665 |
| Core capital (leverage) ratio | 10.6005% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8068% | 501 |
| Memoranda: | ||
| Average total assets | $8,190,031,500 | 184 |
| Average earning assets | $7,985,399,750 | 171 |
| Average equity | $834,679,000 | 189 |
| Average total loans | $6,946,397,000 | 162 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 2,965 |
| Cost of funding earning assets | 2.7019% | 129 |
| Net interest margin | 1.6656% | 4,560 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 0.8038% | 4,572 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5870% | 3,615 |
| Return on assets (ROA) | 0.5870% | 3,618 |
| Pretax return on assets | 0.8344% | 3,317 |
| Return on Equity (ROE) | 5.7700% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.1918% | 3,161 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.7638% | 4,015 |
| Assets per employee ($millions) | 36.9791% | 36 |
| Cash dividends to net income (ytd only)* | 27.3916% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5377% | 4,350 |
| Loan loss allowance to noncurrent loans | 751.1910% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,169 |
| Noncurrent loans to loans | 0.0716% | 3,188 |
| Net loans and leases to total assets | 82.3700% | 393 |
| Net loans and leases to deposits | 117.1926% | 110 |
| Net loans and leases to core deposits | 182.4954% | 56 |
| Total domestic deposits to total assets | 70.2900% | 4,353 |
| Equity capital to assets | 10.0495% | 1,828 |
| Core capital (leverage) ratio | 10.3284% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3358% | 536 |
| Memoranda: | ||
| Average total assets | $8,209,671,333 | 180 |
| Average earning assets | $8,010,377,000 | 168 |
| Average equity | $834,734,333 | 182 |
| Average total loans | $6,986,115,667 | 156 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 2,968 |
| Cost of funding earning assets | 2.3615% | 128 |
| Net interest margin | 1.8722% | 4,593 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 0.8313% | 4,641 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.7457% | 3,355 |
| Return on assets (ROA) | 0.7522% | 3,293 |
| Pretax return on assets | 1.0671% | 2,806 |
| Return on Equity (ROE) | 7.3500% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.7676% | 2,830 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.9074% | 4,273 |
| Assets per employee ($millions) | 32.6764% | 42 |
| Cash dividends to net income (ytd only)* | 21.5700% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5113% | 4,428 |
| Loan loss allowance to noncurrent loans | 722.6157% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,183 |
| Noncurrent loans to loans | 0.0708% | 3,226 |
| Net loans and leases to total assets | 84.2000% | 224 |
| Net loans and leases to deposits | 123.0107% | 68 |
| Net loans and leases to core deposits | 186.4929% | 47 |
| Total domestic deposits to total assets | 68.4500% | 4,451 |
| Equity capital to assets | 10.1035% | 1,764 |
| Core capital (leverage) ratio | 10.7282% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4243% | 618 |
| Memoranda: | ||
| Average total assets | $8,135,873,000 | 187 |
| Average earning assets | $7,938,991,000 | 176 |
| Average equity | $832,168,500 | 186 |
| Average total loans | $7,018,468,500 | 161 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 2,945 |
| Cost of funding earning assets | 1.0182% | 144 |
| Net interest margin | 2.5313% | 4,251 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 0.8433% | 4,663 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1550% | 1,947 |
| Return on assets (ROA) | 1.1409% | 1,952 |
| Pretax return on assets | 1.6173% | 1,121 |
| Return on Equity (ROE) | 10.6100% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.0217% | 2,235 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 33.8187% | 4,621 |
| Assets per employee ($millions) | 31.2625% | 43 |
| Cash dividends to net income (ytd only)* | 33.8065% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 4,416 |
| Loan loss allowance to noncurrent loans | 566.9139% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 2,988 |
| Noncurrent loans to loans | 0.0923% | 3,099 |
| Net loans and leases to total assets | 87.5100% | 90 |
| Net loans and leases to deposits | 118.6953% | 76 |
| Net loans and leases to core deposits | 169.8947% | 53 |
| Total domestic deposits to total assets | 73.7200% | 4,368 |
| Equity capital to assets | 10.3584% | 1,529 |
| Core capital (leverage) ratio | 10.7425% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0667% | 624 |
| Memoranda: | ||
| Average total assets | $7,570,858,600 | 197 |
| Average earning assets | $7,404,088,200 | 182 |
| Average equity | $814,252,400 | 189 |
| Average total loans | $6,633,877,800 | 164 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3610% | 3,012 |
| Cost of funding earning assets | 0.7128% | 248 |
| Net interest margin | 2.6481% | 4,027 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 0.7882% | 4,705 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2841% | 1,411 |
| Return on assets (ROA) | 1.2647% | 1,439 |
| Pretax return on assets | 1.7867% | 754 |
| Return on Equity (ROE) | 11.6400% | 2,155 |
| Retained earnings to average equity (ytd only) | 8.1282% | 1,953 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 30.2180% | 4,690 |
| Assets per employee ($millions) | 27.4973% | 55 |
| Cash dividends to net income (ytd only)* | 30.1987% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5257% | 4,452 |
| Loan loss allowance to noncurrent loans | 940.8616% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,414 |
| Noncurrent loans to loans | 0.0559% | 3,479 |
| Net loans and leases to total assets | 86.1000% | 114 |
| Net loans and leases to deposits | 116.7137% | 69 |
| Net loans and leases to core deposits | 154.0555% | 57 |
| Total domestic deposits to total assets | 73.7700% | 4,460 |
| Equity capital to assets | 10.3596% | 1,442 |
| Core capital (leverage) ratio | 11.0633% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1698% | 628 |
| Memoranda: | ||
| Average total assets | $7,470,588,250 | 201 |
| Average earning assets | $7,311,421,500 | 185 |
| Average equity | $811,374,250 | 189 |
| Average total loans | $6,539,160,500 | 163 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 2,883 |
| Cost of funding earning assets | 0.5478% | 395 |
| Net interest margin | 2.7086% | 3,684 |
| Noninterest income to average assets | 0.0154% | 4,709 |
| Noninterest expense to average assets | 0.7871% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3393% | 1,049 |
| Return on assets (ROA) | 1.3195% | 1,069 |
| Pretax return on assets | 1.8585% | 514 |
| Return on Equity (ROE) | 11.9498% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.2633% | 1,523 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4706% | 4,718 |
| Assets per employee ($millions) | 26.0500% | 59 |
| Cash dividends to net income (ytd only)* | 30.8495% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 4,515 |
| Loan loss allowance to noncurrent loans | 706.4612% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,307 |
| Noncurrent loans to loans | 0.0758% | 3,416 |
| Net loans and leases to total assets | 87.7001% | 51 |
| Net loans and leases to deposits | 115.6251% | 58 |
| Net loans and leases to core deposits | 142.9023% | 70 |
| Total domestic deposits to total assets | 75.8487% | 4,465 |
| Equity capital to assets | 10.8237% | 1,297 |
| Core capital (leverage) ratio | 11.3074% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1041% | 620 |
| Memoranda: | ||
| Average total assets | $7,321,039,667 | 204 |
| Average earning assets | $7,177,109,333 | 191 |
| Average equity | $808,365,000 | 190 |
| Average total loans | $6,434,056,667 | 162 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 2,724 |
| Cost of funding earning assets | 0.5147% | 460 |
| Net interest margin | 2.6729% | 3,467 |
| Noninterest income to average assets | 0.0125% | 4,738 |
| Noninterest expense to average assets | 0.8589% | 4,747 |
| Loan and lease loss provision to assets | -0.1386% | 4,635 |
| Net operating income to assets | 1.3720% | 851 |
| Return on assets (ROA) | 1.3467% | 894 |
| Pretax return on assets | 1.8842% | 459 |
| Return on Equity (ROE) | 12.0723% | 1,287 |
| Retained earnings to average equity (ytd only) | 8.2467% | 1,503 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5759% | 4,722 |
| Assets per employee ($millions) | 25.3765% | 61 |
| Cash dividends to net income (ytd only)* | 31.6885% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 4,571 |
| Loan loss allowance to noncurrent loans | 1,450.8125% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,720 |
| Noncurrent loans to loans | 0.0358% | 3,727 |
| Net loans and leases to total assets | 87.2686% | 35 |
| Net loans and leases to deposits | 112.2124% | 58 |
| Net loans and leases to core deposits | 137.3217% | 69 |
| Total domestic deposits to total assets | 77.7709% | 4,420 |
| Equity capital to assets | 11.1247% | 1,275 |
| Core capital (leverage) ratio | 11.3528% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3264% | 612 |
| Memoranda: | ||
| Average total assets | $7,217,340,500 | 208 |
| Average earning assets | $7,085,605,500 | 189 |
| Average equity | $805,118,500 | 194 |
| Average total loans | $6,332,093,000 | 163 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 3,278 |
| Cost of funding earning assets | 0.7154% | 302 |
| Net interest margin | 2.5629% | 4,105 |
| Noninterest income to average assets | 0.0071% | 4,793 |
| Noninterest expense to average assets | 0.8288% | 4,785 |
| Loan and lease loss provision to assets | -0.1516% | 4,632 |
| Net operating income to assets | 1.3104% | 1,572 |
| Return on assets (ROA) | 1.3066% | 1,623 |
| Pretax return on assets | 1.8462% | 823 |
| Return on Equity (ROE) | 12.0736% | 1,789 |
| Retained earnings to average equity (ytd only) | 9.1299% | 1,161 |
| Net charge-offs to loans | -0.0019% | 3,353 |
| Credit loss provision to net charge-offs | 8,925.6198% | 78 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7808% | 4,776 |
| Assets per employee ($millions) | 25.5410% | 65 |
| Cash dividends to net income (ytd only)* | 24.3816% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 4,567 |
| Loan loss allowance to noncurrent loans | 1,549.7165% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,804 |
| Noncurrent loans to loans | 0.0364% | 3,814 |
| Net loans and leases to total assets | 87.2501% | 43 |
| Net loans and leases to deposits | 112.1230% | 72 |
| Net loans and leases to core deposits | 138.8017% | 71 |
| Total domestic deposits to total assets | 77.8164% | 4,413 |
| Equity capital to assets | 11.1863% | 1,669 |
| Core capital (leverage) ratio | 11.1265% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4712% | 605 |
| Memoranda: | ||
| Average total assets | $7,125,582,000 | 202 |
| Average earning assets | $7,009,509,000 | 192 |
| Average equity | $771,129,600 | 200 |
| Average total loans | $6,281,429,200 | 164 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 3,453 |
| Cost of funding earning assets | 0.7666% | 288 |
| Net interest margin | 2.5071% | 4,259 |
| Noninterest income to average assets | 0.0042% | 4,876 |
| Noninterest expense to average assets | 0.8221% | 4,866 |
| Loan and lease loss provision to assets | -0.1687% | 4,710 |
| Net operating income to assets | 1.2851% | 1,868 |
| Return on assets (ROA) | 1.2817% | 1,938 |
| Pretax return on assets | 1.8129% | 1,139 |
| Return on Equity (ROE) | 11.9447% | 2,065 |
| Retained earnings to average equity (ytd only) | 9.2194% | 1,608 |
| Net charge-offs to loans | -0.0026% | 3,266 |
| Credit loss provision to net charge-offs | 7,438.0165% | 107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2747% | 4,844 |
| Assets per employee ($millions) | 26.0573% | 61 |
| Cash dividends to net income (ytd only)* | 22.8160% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 4,640 |
| Loan loss allowance to noncurrent loans | 5,806.3764% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,184 |
| Noncurrent loans to loans | 0.0101% | 4,135 |
| Net loans and leases to total assets | 87.3739% | 46 |
| Net loans and leases to deposits | 111.7864% | 82 |
| Net loans and leases to core deposits | 142.4348% | 74 |
| Total domestic deposits to total assets | 78.1614% | 4,411 |
| Equity capital to assets | 10.9140% | 2,078 |
| Core capital (leverage) ratio | 10.6137% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8196% | 710 |
| Memoranda: | ||
| Average total assets | $7,112,725,500 | 203 |
| Average earning assets | $6,997,581,500 | 192 |
| Average equity | $763,201,250 | 200 |
| Average total loans | $6,277,415,500 | 165 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2544% | 3,548 |
| Cost of funding earning assets | 0.8367% | 244 |
| Net interest margin | 2.4178% | 4,406 |
| Noninterest income to average assets | 0.0048% | 4,911 |
| Noninterest expense to average assets | 0.8261% | 4,900 |
| Loan and lease loss provision to assets | -0.1413% | 4,700 |
| Net operating income to assets | 1.1993% | 2,192 |
| Return on assets (ROA) | 1.1953% | 2,275 |
| Pretax return on assets | 1.6935% | 1,493 |
| Return on Equity (ROE) | 11.2053% | 2,345 |
| Retained earnings to average equity (ytd only) | 8.7630% | 1,797 |
| Net charge-offs to loans | -0.0039% | 3,350 |
| Credit loss provision to net charge-offs | 4,132.2314% | 165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6620% | 4,861 |
| Assets per employee ($millions) | 25.4561% | 64 |
| Cash dividends to net income (ytd only)* | 21.7962% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6415% | 4,611 |
| Loan loss allowance to noncurrent loans | 5,846.5347% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,241 |
| Noncurrent loans to loans | 0.0110% | 4,189 |
| Net loans and leases to total assets | 88.2480% | 36 |
| Net loans and leases to deposits | 117.4827% | 61 |
| Net loans and leases to core deposits | 156.6535% | 57 |
| Total domestic deposits to total assets | 75.1158% | 4,612 |
| Equity capital to assets | 10.6110% | 2,300 |
| Core capital (leverage) ratio | 10.6735% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0703% | 797 |
| Memoranda: | ||
| Average total assets | $7,077,678,667 | 204 |
| Average earning assets | $6,962,740,333 | 192 |
| Average equity | $755,016,000 | 200 |
| Average total loans | $6,255,265,667 | 166 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 3,477 |
| Cost of funding earning assets | 0.9041% | 218 |
| Net interest margin | 2.3842% | 4,430 |
| Noninterest income to average assets | 0.0069% | 4,925 |
| Noninterest expense to average assets | 0.8796% | 4,928 |
| Loan and lease loss provision to assets | -0.1431% | 4,770 |
| Net operating income to assets | 1.1401% | 2,355 |
| Return on assets (ROA) | 1.1306% | 2,459 |
| Pretax return on assets | 1.6037% | 1,716 |
| Return on Equity (ROE) | 10.5691% | 2,504 |
| Retained earnings to average equity (ytd only) | 10.5691% | 1,497 |
| Net charge-offs to loans | -0.0034% | 3,252 |
| Credit loss provision to net charge-offs | 4,807.6923% | 118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3933% | 4,822 |
| Assets per employee ($millions) | 25.2678% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 4,574 |
| Loan loss allowance to noncurrent loans | 650.9891% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 3,714 |
| Noncurrent loans to loans | 0.1072% | 3,772 |
| Net loans and leases to total assets | 88.0316% | 46 |
| Net loans and leases to deposits | 114.5953% | 103 |
| Net loans and leases to core deposits | 155.4032% | 70 |
| Total domestic deposits to total assets | 76.8196% | 4,531 |
| Equity capital to assets | 10.6874% | 2,098 |
| Core capital (leverage) ratio | 10.7233% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3626% | 746 |
| Memoranda: | ||
| Average total assets | $6,989,018,500 | 205 |
| Average earning assets | $6,875,219,000 | 192 |
| Average equity | $747,611,500 | 203 |
| Average total loans | $6,161,033,500 | 168 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5082% | 4,016 |
| Cost of funding earning assets | 1.3710% | 141 |
| Net interest margin | 2.1372% | 4,793 |
| Noninterest income to average assets | 0.0070% | 4,944 |
| Noninterest expense to average assets | 1.0482% | 4,923 |
| Loan and lease loss provision to assets | 0.1497% | 2,501 |
| Net operating income to assets | 0.6426% | 3,617 |
| Return on assets (ROA) | 0.6454% | 3,735 |
| Pretax return on assets | 0.9156% | 3,324 |
| Return on Equity (ROE) | 6.1266% | 3,541 |
| Retained earnings to average equity (ytd only) | -2.6746% | 4,745 |
| Net charge-offs to loans | 0.0054% | 3,151 |
| Credit loss provision to net charge-offs | 3,130.5638% | 317 |
| Earnings coverage of net charge-offs (x) | 222.0861% | 436 |
| Efficiency ratio | 49.6796% | 4,552 |
| Assets per employee ($millions) | 24.9208% | 62 |
| Cash dividends to net income (ytd only)* | 143.6547% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 4,490 |
| Loan loss allowance to noncurrent loans | 732.0450% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 3,864 |
| Noncurrent loans to loans | 0.1043% | 3,875 |
| Net loans and leases to total assets | 86.9740% | 70 |
| Net loans and leases to deposits | 112.9806% | 128 |
| Net loans and leases to core deposits | 155.5941% | 74 |
| Total domestic deposits to total assets | 76.9814% | 4,415 |
| Equity capital to assets | 10.7067% | 2,514 |
| Core capital (leverage) ratio | 10.3613% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2722% | 742 |
| Memoranda: | ||
| Average total assets | $7,049,467,000 | 192 |
| Average earning assets | $6,936,329,800 | 178 |
| Average equity | $742,629,000 | 195 |
| Average total loans | $6,185,904,600 | 162 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5451% | 4,130 |
| Cost of funding earning assets | 1.4666% | 136 |
| Net interest margin | 2.0785% | 4,861 |
| Noninterest income to average assets | 0.0075% | 4,975 |
| Noninterest expense to average assets | 0.9135% | 4,986 |
| Loan and lease loss provision to assets | 0.1985% | 2,000 |
| Net operating income to assets | 0.6628% | 3,586 |
| Return on assets (ROA) | 0.6671% | 3,679 |
| Pretax return on assets | 0.9462% | 3,243 |
| Return on Equity (ROE) | 6.3576% | 3,422 |
| Retained earnings to average equity (ytd only) | -1.3462% | 4,646 |
| Net charge-offs to loans | 0.0105% | 2,733 |
| Credit loss provision to net charge-offs | 2,161.8852% | 443 |
| Earnings coverage of net charge-offs (x) | 124.0820% | 684 |
| Efficiency ratio | 44.4991% | 4,772 |
| Assets per employee ($millions) | 25.0627% | 58 |
| Cash dividends to net income (ytd only)* | 121.1745% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 4,490 |
| Loan loss allowance to noncurrent loans | 953.4879% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,096 |
| Noncurrent loans to loans | 0.0786% | 4,057 |
| Net loans and leases to total assets | 86.3433% | 137 |
| Net loans and leases to deposits | 114.8282% | 162 |
| Net loans and leases to core deposits | 160.5737% | 80 |
| Total domestic deposits to total assets | 75.1935% | 4,487 |
| Equity capital to assets | 10.6297% | 2,685 |
| Core capital (leverage) ratio | 10.3474% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2817% | 757 |
| Memoranda: | ||
| Average total assets | $7,086,070,250 | 188 |
| Average earning assets | $6,972,827,750 | 176 |
| Average equity | $743,514,250 | 194 |
| Average total loans | $6,219,861,250 | 162 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6092% | 4,249 |
| Cost of funding earning assets | 1.5948% | 118 |
| Net interest margin | 2.0143% | 4,944 |
| Noninterest income to average assets | 0.0061% | 4,999 |
| Noninterest expense to average assets | 0.9077% | 5,022 |
| Loan and lease loss provision to assets | 0.2975% | 1,447 |
| Net operating income to assets | 0.5515% | 3,883 |
| Return on assets (ROA) | 0.5579% | 3,943 |
| Pretax return on assets | 0.7912% | 3,616 |
| Return on Equity (ROE) | 5.3406% | 3,735 |
| Retained earnings to average equity (ytd only) | -5.1760% | 4,775 |
| Net charge-offs to loans | 0.0181% | 2,359 |
| Credit loss provision to net charge-offs | 1,863.9576% | 508 |
| Earnings coverage of net charge-offs (x) | 67.6979% | 896 |
| Efficiency ratio | 45.6527% | 4,744 |
| Assets per employee ($millions) | 25.1456% | 52 |
| Cash dividends to net income (ytd only)* | 196.9169% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 4,504 |
| Loan loss allowance to noncurrent loans | 940.0041% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,185 |
| Noncurrent loans to loans | 0.0779% | 4,146 |
| Net loans and leases to total assets | 87.0045% | 95 |
| Net loans and leases to deposits | 115.1358% | 142 |
| Net loans and leases to core deposits | 172.4497% | 63 |
| Total domestic deposits to total assets | 75.5669% | 4,470 |
| Equity capital to assets | 10.3203% | 2,914 |
| Core capital (leverage) ratio | 10.2842% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4757% | 847 |
| Memoranda: | ||
| Average total assets | $7,092,195,667 | 185 |
| Average earning assets | $6,978,631,333 | 174 |
| Average equity | $740,926,667 | 196 |
| Average total loans | $6,243,634,000 | 163 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,315 |
| Cost of funding earning assets | 1.7371% | 110 |
| Net interest margin | 2.0046% | 5,011 |
| Noninterest income to average assets | 0.0027% | 5,054 |
| Noninterest expense to average assets | 0.9552% | 5,066 |
| Loan and lease loss provision to assets | 0.3005% | 1,028 |
| Net operating income to assets | 0.5062% | 3,875 |
| Return on assets (ROA) | 0.5146% | 3,917 |
| Pretax return on assets | 0.7298% | 3,598 |
| Return on Equity (ROE) | 4.8960% | 3,667 |
| Retained earnings to average equity (ytd only) | -13.4215% | 4,861 |
| Net charge-offs to loans | 0.0414% | 1,623 |
| Credit loss provision to net charge-offs | 822.9814% | 653 |
| Earnings coverage of net charge-offs (x) | 27.9239% | 1,226 |
| Efficiency ratio | 48.3707% | 4,735 |
| Assets per employee ($millions) | 25.3295% | 43 |
| Cash dividends to net income (ytd only)* | 374.1324% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6538% | 4,684 |
| Loan loss allowance to noncurrent loans | 729.5353% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,211 |
| Noncurrent loans to loans | 0.0896% | 4,153 |
| Net loans and leases to total assets | 87.4218% | 78 |
| Net loans and leases to deposits | 115.8005% | 117 |
| Net loans and leases to core deposits | 184.0592% | 47 |
| Total domestic deposits to total assets | 75.4934% | 4,537 |
| Equity capital to assets | 10.3230% | 3,498 |
| Core capital (leverage) ratio | 10.2982% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0901% | 972 |
| Memoranda: | ||
| Average total assets | $7,055,052,500 | 183 |
| Average earning assets | $6,940,919,500 | 173 |
| Average equity | $741,588,000 | 196 |
| Average total loans | $6,224,877,000 | 161 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 4,451 |
| Cost of funding earning assets | 1.8760% | 109 |
| Net interest margin | 2.0151% | 5,091 |
| Noninterest income to average assets | 0.0126% | 5,107 |
| Noninterest expense to average assets | 0.8683% | 5,134 |
| Loan and lease loss provision to assets | 0.0177% | 3,657 |
| Net operating income to assets | 0.7795% | 3,616 |
| Return on assets (ROA) | 0.7833% | 3,684 |
| Pretax return on assets | 1.1127% | 3,126 |
| Return on Equity (ROE) | 7.4906% | 3,374 |
| Retained earnings to average equity (ytd only) | 2.7819% | 3,649 |
| Net charge-offs to loans | -0.0070% | 4,390 |
| Credit loss provision to net charge-offs | -286.0412% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5499% | 4,992 |
| Assets per employee ($millions) | 25.4266% | 45 |
| Cash dividends to net income (ytd only)* | 62.8612% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5778% | 4,779 |
| Loan loss allowance to noncurrent loans | 568.4668% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,184 |
| Noncurrent loans to loans | 0.1016% | 4,116 |
| Net loans and leases to total assets | 87.9583% | 84 |
| Net loans and leases to deposits | 117.3551% | 97 |
| Net loans and leases to core deposits | 178.1496% | 58 |
| Total domestic deposits to total assets | 74.9506% | 4,709 |
| Equity capital to assets | 10.7005% | 3,260 |
| Core capital (leverage) ratio | 10.5651% | 2,886 |
| Tier 1 risk-based capital ratio | 18.9934% | 1,517 |
| Total risk-based capital ratio | 19.9385% | 1,554 |
| Memoranda: | ||
| Average total assets | $7,047,099,600 | 173 |
| Average earning assets | $6,928,820,400 | 165 |
| Average equity | $736,939,000 | 194 |
| Average total loans | $6,208,637,200 | 155 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 4,569 |
| Cost of funding earning assets | 1.8827% | 105 |
| Net interest margin | 1.9932% | 5,184 |
| Noninterest income to average assets | 0.0135% | 5,184 |
| Noninterest expense to average assets | 0.8678% | 5,214 |
| Loan and lease loss provision to assets | 0.0047% | 3,779 |
| Net operating income to assets | 0.7732% | 3,761 |
| Return on assets (ROA) | 0.7791% | 3,814 |
| Pretax return on assets | 1.1082% | 3,272 |
| Return on Equity (ROE) | 7.4942% | 3,507 |
| Retained earnings to average equity (ytd only) | 2.1993% | 4,207 |
| Net charge-offs to loans | -0.0077% | 4,314 |
| Credit loss provision to net charge-offs | -69.6379% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9806% | 5,017 |
| Assets per employee ($millions) | 26.1264% | 42 |
| Cash dividends to net income (ytd only)* | 70.6534% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5579% | 4,881 |
| Loan loss allowance to noncurrent loans | 269.8841% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 3,853 |
| Noncurrent loans to loans | 0.2067% | 3,796 |
| Net loans and leases to total assets | 86.9524% | 136 |
| Net loans and leases to deposits | 115.1892% | 129 |
| Net loans and leases to core deposits | 178.4310% | 61 |
| Total domestic deposits to total assets | 75.4866% | 4,697 |
| Equity capital to assets | 10.4177% | 3,620 |
| Core capital (leverage) ratio | 10.3489% | 3,257 |
| Tier 1 risk-based capital ratio | 18.6240% | 1,657 |
| Total risk-based capital ratio | 19.5368% | 1,706 |
| Memoranda: | ||
| Average total assets | $7,048,082,000 | 175 |
| Average earning assets | $6,929,729,500 | 165 |
| Average equity | $732,759,500 | 198 |
| Average total loans | $6,203,032,250 | 154 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 4,659 |
| Cost of funding earning assets | 1.8555% | 99 |
| Net interest margin | 1.9805% | 5,242 |
| Noninterest income to average assets | 0.0422% | 5,182 |
| Noninterest expense to average assets | 0.8826% | 5,265 |
| Loan and lease loss provision to assets | 0.0214% | 3,372 |
| Net operating income to assets | 0.7596% | 3,794 |
| Return on assets (ROA) | 0.7667% | 3,829 |
| Pretax return on assets | 1.0939% | 3,253 |
| Return on Equity (ROE) | 7.3792% | 3,538 |
| Retained earnings to average equity (ytd only) | 0.4876% | 4,571 |
| Net charge-offs to loans | -0.0051% | 4,124 |
| Credit loss provision to net charge-offs | -477.7070% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3745% | 5,053 |
| Assets per employee ($millions) | 26.3323% | 39 |
| Cash dividends to net income (ytd only)* | 93.3919% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 4,937 |
| Loan loss allowance to noncurrent loans | 301.5497% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 3,943 |
| Noncurrent loans to loans | 0.1861% | 3,887 |
| Net loans and leases to total assets | 87.7977% | 121 |
| Net loans and leases to deposits | 118.3270% | 101 |
| Net loans and leases to core deposits | 186.9746% | 52 |
| Total domestic deposits to total assets | 74.1992% | 4,818 |
| Equity capital to assets | 10.3326% | 3,664 |
| Core capital (leverage) ratio | 10.3684% | 3,225 |
| Tier 1 risk-based capital ratio | 18.0780% | 1,787 |
| Total risk-based capital ratio | 18.9863% | 1,826 |
| Memoranda: | ||
| Average total assets | $7,011,230,330 | 177 |
| Average earning assets | $6,892,156,330 | 166 |
| Average equity | $728,423,670 | 201 |
| Average total loans | $6,184,200,000 | 156 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8550% | 4,622 |
| Cost of funding earning assets | 1.8153% | 96 |
| Net interest margin | 2.0396% | 5,308 |
| Noninterest income to average assets | 0.0403% | 5,238 |
| Noninterest expense to average assets | 0.9332% | 5,326 |
| Loan and lease loss provision to assets | 0.0172% | 3,213 |
| Net operating income to assets | 0.7765% | 3,696 |
| Return on assets (ROA) | 0.7830% | 3,726 |
| Pretax return on assets | 1.1031% | 3,140 |
| Return on Equity (ROE) | 7.5155% | 3,452 |
| Retained earnings to average equity (ytd only) | -2.9625% | 4,815 |
| Net charge-offs to loans | -0.0051% | 4,032 |
| Credit loss provision to net charge-offs | -384.6154% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6274% | 5,042 |
| Assets per employee ($millions) | 25.7895% | 40 |
| Cash dividends to net income (ytd only)* | 139.4188% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 4,995 |
| Loan loss allowance to noncurrent loans | 2,583.1720% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,768 |
| Noncurrent loans to loans | 0.0219% | 4,684 |
| Net loans and leases to total assets | 87.4214% | 122 |
| Net loans and leases to deposits | 119.3620% | 92 |
| Net loans and leases to core deposits | 188.2515% | 46 |
| Total domestic deposits to total assets | 73.2405% | 4,984 |
| Equity capital to assets | 10.3532% | 3,470 |
| Core capital (leverage) ratio | 10.3754% | 3,191 |
| Tier 1 risk-based capital ratio | 18.1999% | 1,741 |
| Total risk-based capital ratio | 19.1128% | 1,789 |
| Memoranda: | ||
| Average total assets | $6,961,990,000 | 180 |
| Average earning assets | $6,843,659,500 | 168 |
| Average equity | $725,327,500 | 201 |
| Average total loans | $6,137,607,500 | 158 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 4,728 |
| Cost of funding earning assets | 1.4766% | 96 |
| Net interest margin | 2.1821% | 5,306 |
| Noninterest income to average assets | 0.0204% | 5,321 |
| Noninterest expense to average assets | 0.9789% | 5,356 |
| Loan and lease loss provision to assets | 0.0565% | 3,041 |
| Net operating income to assets | 0.8101% | 3,764 |
| Return on assets (ROA) | 0.8101% | 3,768 |
| Pretax return on assets | 1.1275% | 3,180 |
| Return on Equity (ROE) | 7.3317% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.3662% | 1,996 |
| Net charge-offs to loans | -0.0071% | 4,416 |
| Credit loss provision to net charge-offs | -895.5224% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2585% | 5,140 |
| Assets per employee ($millions) | 24.9461% | 39 |
| Cash dividends to net income (ytd only)* | 13.1694% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5597% | 5,043 |
| Loan loss allowance to noncurrent loans | 1,705.4672% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,720 |
| Noncurrent loans to loans | 0.0328% | 4,626 |
| Net loans and leases to total assets | 87.9069% | 120 |
| Net loans and leases to deposits | 121.2361% | 89 |
| Net loans and leases to core deposits | 181.9889% | 52 |
| Total domestic deposits to total assets | 72.5089% | 5,043 |
| Equity capital to assets | 10.4841% | 3,210 |
| Core capital (leverage) ratio | 10.6544% | 2,887 |
| Tier 1 risk-based capital ratio | 18.4336% | 1,632 |
| Total risk-based capital ratio | 19.3319% | 1,694 |
| Memoranda: | ||
| Average total assets | $6,373,511,800 | 186 |
| Average earning assets | $6,257,367,600 | 175 |
| Average equity | $704,267,800 | 195 |
| Average total loans | $5,636,268,600 | 161 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,804 |
| Cost of funding earning assets | 1.3871% | 102 |
| Net interest margin | 2.2135% | 5,380 |
| Noninterest income to average assets | 0.0257% | 5,389 |
| Noninterest expense to average assets | 0.9544% | 5,431 |
| Loan and lease loss provision to assets | 0.0738% | 2,479 |
| Net operating income to assets | 0.8431% | 3,765 |
| Return on assets (ROA) | 0.8431% | 3,768 |
| Pretax return on assets | 1.1700% | 3,125 |
| Return on Equity (ROE) | 7.5225% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.7590% | 2,257 |
| Net charge-offs to loans | -0.0078% | 4,330 |
| Credit loss provision to net charge-offs | -1,064.8148% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4179% | 5,236 |
| Assets per employee ($millions) | 24.5087% | 39 |
| Cash dividends to net income (ytd only)* | 10.1489% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 5,077 |
| Loan loss allowance to noncurrent loans | 1,601.0333% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,822 |
| Noncurrent loans to loans | 0.0359% | 4,733 |
| Net loans and leases to total assets | 88.0557% | 141 |
| Net loans and leases to deposits | 118.3063% | 123 |
| Net loans and leases to core deposits | 178.2224% | 53 |
| Total domestic deposits to total assets | 74.4303% | 4,943 |
| Equity capital to assets | 10.6736% | 2,958 |
| Core capital (leverage) ratio | 10.8529% | 2,731 |
| Tier 1 risk-based capital ratio | 18.6554% | 1,627 |
| Total risk-based capital ratio | 19.5759% | 1,664 |
| Memoranda: | ||
| Average total assets | $6,233,135,750 | 191 |
| Average earning assets | $6,117,601,750 | 178 |
| Average equity | $698,566,750 | 194 |
| Average total loans | $5,512,667,250 | 162 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 4,886 |
| Cost of funding earning assets | 1.2786% | 132 |
| Net interest margin | 2.2466% | 5,437 |
| Noninterest income to average assets | 0.0255% | 5,449 |
| Noninterest expense to average assets | 0.9720% | 5,491 |
| Loan and lease loss provision to assets | 0.0921% | 2,083 |
| Net operating income to assets | 0.8449% | 3,699 |
| Return on assets (ROA) | 0.8449% | 3,698 |
| Pretax return on assets | 1.1654% | 3,074 |
| Return on Equity (ROE) | 7.4090% | 3,762 |
| Retained earnings to average equity (ytd only) | 7.4090% | 1,884 |
| Net charge-offs to loans | -0.0092% | 4,294 |
| Credit loss provision to net charge-offs | -1,138.2114% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5986% | 5,297 |
| Assets per employee ($millions) | 24.0135% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5795% | 5,139 |
| Loan loss allowance to noncurrent loans | 718.9224% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,652 |
| Noncurrent loans to loans | 0.0806% | 4,549 |
| Net loans and leases to total assets | 87.9461% | 141 |
| Net loans and leases to deposits | 123.8379% | 75 |
| Net loans and leases to core deposits | 188.5108% | 43 |
| Total domestic deposits to total assets | 71.0171% | 5,232 |
| Equity capital to assets | 10.8362% | 2,799 |
| Core capital (leverage) ratio | 11.2395% | 2,311 |
| Tier 1 risk-based capital ratio | 18.5267% | 1,670 |
| Total risk-based capital ratio | 19.4477% | 1,705 |
| Memoranda: | ||
| Average total assets | $6,080,551,670 | 193 |
| Average earning assets | $5,965,065,330 | 180 |
| Average equity | $693,369,670 | 192 |
| Average total loans | $5,374,959,000 | 163 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 4,920 |
| Cost of funding earning assets | 1.1648% | 165 |
| Net interest margin | 2.3055% | 5,469 |
| Noninterest income to average assets | 0.0310% | 5,514 |
| Noninterest expense to average assets | 0.9998% | 5,557 |
| Loan and lease loss provision to assets | 0.1023% | 1,819 |
| Net operating income to assets | 0.8777% | 3,375 |
| Return on assets (ROA) | 0.8777% | 3,394 |
| Pretax return on assets | 1.1894% | 2,803 |
| Return on Equity (ROE) | 7.4907% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.4907% | 2,050 |
| Net charge-offs to loans | -0.0130% | 4,361 |
| Credit loss provision to net charge-offs | -892.8571% | 4,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6328% | 5,354 |
| Assets per employee ($millions) | 22.5891% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 5,183 |
| Loan loss allowance to noncurrent loans | 466.9977% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,526 |
| Noncurrent loans to loans | 0.1286% | 4,390 |
| Net loans and leases to total assets | 87.7876% | 144 |
| Net loans and leases to deposits | 127.7511% | 43 |
| Net loans and leases to core deposits | 178.7311% | 52 |
| Total domestic deposits to total assets | 68.7177% | 5,397 |
| Equity capital to assets | 11.4885% | 2,142 |
| Core capital (leverage) ratio | 11.8955% | 1,716 |
| Tier 1 risk-based capital ratio | 19.4403% | 1,448 |
| Total risk-based capital ratio | 20.3839% | 1,480 |
| Memoranda: | ||
| Average total assets | $5,867,004,500 | 195 |
| Average earning assets | $5,752,360,500 | 185 |
| Average equity | $687,463,500 | 194 |
| Average total loans | $5,184,149,000 | 170 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3286% | 5,048 |
| Cost of funding earning assets | 1.0408% | 176 |
| Net interest margin | 2.2878% | 5,508 |
| Noninterest income to average assets | 0.0857% | 5,445 |
| Noninterest expense to average assets | 1.0407% | 5,607 |
| Loan and lease loss provision to assets | -0.0621% | 5,419 |
| Net operating income to assets | 1.3634% | 1,088 |
| Return on assets (ROA) | 1.3634% | 1,111 |
| Pretax return on assets | 1.3493% | 2,173 |
| Return on Equity (ROE) | 12.6959% | 1,027 |
| Retained earnings to average equity (ytd only) | 6.5884% | 1,240 |
| Net charge-offs to loans | -0.0081% | 4,737 |
| Credit loss provision to net charge-offs | 873.5751% | 405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7049% | 5,430 |
| Assets per employee ($millions) | 21.6834% | 44 |
| Cash dividends to net income (ytd only)* | 48.1062% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 5,243 |
| Loan loss allowance to noncurrent loans | 437.9081% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,524 |
| Noncurrent loans to loans | 0.1373% | 4,376 |
| Net loans and leases to total assets | 87.8753% | 144 |
| Net loans and leases to deposits | 125.5911% | 68 |
| Net loans and leases to core deposits | 173.1080% | 58 |
| Total domestic deposits to total assets | 69.9694% | 5,407 |
| Equity capital to assets | 11.9596% | 1,855 |
| Core capital (leverage) ratio | 12.5431% | 1,331 |
| Tier 1 risk-based capital ratio | 19.8970% | 1,344 |
| Total risk-based capital ratio | 20.8378% | 1,372 |
| Memoranda: | ||
| Average total assets | $5,427,743,600 | 196 |
| Average earning assets | $5,319,574,200 | 186 |
| Average equity | $582,891,200 | 205 |
| Average total loans | $4,794,488,000 | 168 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3447% | 5,043 |
| Cost of funding earning assets | 1.0238% | 175 |
| Net interest margin | 2.3209% | 5,563 |
| Noninterest income to average assets | 0.0952% | 5,492 |
| Noninterest expense to average assets | 1.0762% | 5,670 |
| Loan and lease loss provision to assets | -0.1150% | 5,603 |
| Net operating income to assets | 1.3612% | 1,181 |
| Return on assets (ROA) | 1.3612% | 1,197 |
| Pretax return on assets | 1.4082% | 2,093 |
| Return on Equity (ROE) | 13.0705% | 1,040 |
| Retained earnings to average equity (ytd only) | 6.7398% | 1,828 |
| Net charge-offs to loans | -0.0087% | 4,594 |
| Credit loss provision to net charge-offs | 1,500.6494% | 249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4224% | 5,436 |
| Assets per employee ($millions) | 19.6205% | 47 |
| Cash dividends to net income (ytd only)* | 48.4354% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6207% | 5,289 |
| Loan loss allowance to noncurrent loans | 493.0929% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,694 |
| Noncurrent loans to loans | 0.1259% | 4,557 |
| Net loans and leases to total assets | 87.2826% | 185 |
| Net loans and leases to deposits | 119.1523% | 108 |
| Net loans and leases to core deposits | 167.0114% | 75 |
| Total domestic deposits to total assets | 73.2530% | 5,294 |
| Equity capital to assets | 10.8351% | 3,028 |
| Core capital (leverage) ratio | 9.9771% | 3,595 |
| Tier 1 risk-based capital ratio | 18.1976% | 1,804 |
| Total risk-based capital ratio | 19.1892% | 1,822 |
| Memoranda: | ||
| Average total assets | $5,358,998,000 | 200 |
| Average earning assets | $5,251,145,500 | 188 |
| Average equity | $558,107,500 | 215 |
| Average total loans | $4,732,710,000 | 174 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 5,204 |
| Cost of funding earning assets | 0.9457% | 230 |
| Net interest margin | 2.2775% | 5,617 |
| Noninterest income to average assets | -0.0149% | 5,745 |
| Noninterest expense to average assets | 1.0990% | 5,720 |
| Loan and lease loss provision to assets | -0.2297% | 5,712 |
| Net operating income to assets | 1.3038% | 1,287 |
| Return on assets (ROA) | 1.3038% | 1,309 |
| Pretax return on assets | 1.3488% | 2,217 |
| Return on Equity (ROE) | 12.6879% | 1,115 |
| Retained earnings to average equity (ytd only) | 3.9938% | 3,329 |
| Net charge-offs to loans | -0.0097% | 4,517 |
| Credit loss provision to net charge-offs | 2,683.4783% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5486% | 5,328 |
| Assets per employee ($millions) | 20.3866% | 47 |
| Cash dividends to net income (ytd only)* | 68.5225% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 5,462 |
| Loan loss allowance to noncurrent loans | 443.0839% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,763 |
| Noncurrent loans to loans | 0.1233% | 4,627 |
| Net loans and leases to total assets | 87.8962% | 153 |
| Net loans and leases to deposits | 134.1935% | 34 |
| Net loans and leases to core deposits | 178.0532% | 59 |
| Total domestic deposits to total assets | 65.4996% | 5,641 |
| Equity capital to assets | 9.8634% | 4,071 |
| Core capital (leverage) ratio | 10.1467% | 3,341 |
| Tier 1 risk-based capital ratio | 18.7093% | 1,663 |
| Total risk-based capital ratio | 19.6385% | 1,712 |
| Memoranda: | ||
| Average total assets | $5,372,943,670 | 202 |
| Average earning assets | $5,267,651,000 | 189 |
| Average equity | $552,102,670 | 218 |
| Average total loans | $4,753,633,000 | 173 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2079% | 5,240 |
| Cost of funding earning assets | 0.9047% | 273 |
| Net interest margin | 2.3032% | 5,662 |
| Noninterest income to average assets | 0.0135% | 5,789 |
| Noninterest expense to average assets | 1.1249% | 5,783 |
| Loan and lease loss provision to assets | 0.0237% | 3,274 |
| Net operating income to assets | 1.0858% | 1,929 |
| Return on assets (ROA) | 1.0858% | 1,972 |
| Pretax return on assets | 1.1233% | 2,893 |
| Return on Equity (ROE) | 10.3418% | 1,806 |
| Retained earnings to average equity (ytd only) | 1.8117% | 4,393 |
| Net charge-offs to loans | -0.0080% | 4,335 |
| Credit loss provision to net charge-offs | -335.8696% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5148% | 5,402 |
| Assets per employee ($millions) | 20.1861% | 45 |
| Cash dividends to net income (ytd only)* | 82.4815% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 5,294 |
| Loan loss allowance to noncurrent loans | 774.3336% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,950 |
| Noncurrent loans to loans | 0.0911% | 4,829 |
| Net loans and leases to total assets | 88.0124% | 104 |
| Net loans and leases to deposits | 130.0634% | 36 |
| Net loans and leases to core deposits | 168.7547% | 63 |
| Total domestic deposits to total assets | 67.6689% | 5,682 |
| Equity capital to assets | 10.2086% | 3,502 |
| Core capital (leverage) ratio | 10.6654% | 2,721 |
| Tier 1 risk-based capital ratio | 19.2212% | 1,555 |
| Total risk-based capital ratio | 20.4224% | 1,536 |
| Memoranda: | ||
| Average total assets | $5,225,675,500 | 205 |
| Average earning assets | $5,123,919,000 | 190 |
| Average equity | $548,649,500 | 219 |
| Average total loans | $4,626,021,500 | 176 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 5,302 |
| Cost of funding earning assets | 0.9112% | 274 |
| Net interest margin | 2.2906% | 5,714 |
| Noninterest income to average assets | 0.1019% | 5,642 |
| Noninterest expense to average assets | 1.3042% | 5,807 |
| Loan and lease loss provision to assets | -0.2711% | 5,827 |
| Net operating income to assets | 1.2704% | 1,303 |
| Return on assets (ROA) | 1.2704% | 1,371 |
| Pretax return on assets | 1.3147% | 2,234 |
| Return on Equity (ROE) | 11.1985% | 1,507 |
| Retained earnings to average equity (ytd only) | 6.6147% | 1,402 |
| Net charge-offs to loans | -0.0118% | 4,982 |
| Credit loss provision to net charge-offs | 2,581.9106% | 158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5485% | 5,103 |
| Assets per employee ($millions) | 16.8722% | 63 |
| Cash dividends to net income (ytd only)* | 40.9325% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 5,254 |
| Loan loss allowance to noncurrent loans | 1,251.8045% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 5,131 |
| Noncurrent loans to loans | 0.0594% | 5,007 |
| Net loans and leases to total assets | 87.7469% | 138 |
| Net loans and leases to deposits | 132.0223% | 36 |
| Net loans and leases to core deposits | 164.2903% | 76 |
| Total domestic deposits to total assets | 66.4636% | 5,746 |
| Equity capital to assets | 10.8085% | 2,807 |
| Core capital (leverage) ratio | 11.1573% | 2,201 |
| Tier 1 risk-based capital ratio | 20.4281% | 1,299 |
| Total risk-based capital ratio | 21.6785% | 1,273 |
| Memoranda: | ||
| Average total assets | $4,686,352,200 | 210 |
| Average earning assets | $4,595,006,400 | 200 |
| Average equity | $531,651,800 | 209 |
| Average total loans | $4,153,171,600 | 184 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2036% | 5,355 |
| Cost of funding earning assets | 0.9079% | 280 |
| Net interest margin | 2.2957% | 5,777 |
| Noninterest income to average assets | 0.0983% | 5,721 |
| Noninterest expense to average assets | 1.2802% | 5,876 |
| Loan and lease loss provision to assets | -0.2636% | 5,893 |
| Net operating income to assets | 1.2881% | 1,331 |
| Return on assets (ROA) | 1.2881% | 1,433 |
| Pretax return on assets | 1.3330% | 2,296 |
| Return on Equity (ROE) | 11.2079% | 1,591 |
| Retained earnings to average equity (ytd only) | 6.6684% | 1,804 |
| Net charge-offs to loans | -0.0162% | 4,940 |
| Credit loss provision to net charge-offs | 1,837.8543% | 254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4854% | 5,201 |
| Assets per employee ($millions) | 15.7649% | 69 |
| Cash dividends to net income (ytd only)* | 40.5031% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,994 |
| Loan loss allowance to noncurrent loans | 1,313.5539% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,212 |
| Noncurrent loans to loans | 0.0657% | 5,088 |
| Net loans and leases to total assets | 87.8712% | 139 |
| Net loans and leases to deposits | 127.8252% | 54 |
| Net loans and leases to core deposits | 162.6102% | 83 |
| Total domestic deposits to total assets | 68.7432% | 5,747 |
| Equity capital to assets | 11.2395% | 2,751 |
| Core capital (leverage) ratio | 11.3037% | 2,186 |
| Tier 1 risk-based capital ratio | 21.3326% | 1,217 |
| Total risk-based capital ratio | 22.5859% | 1,199 |
| Memoranda: | ||
| Average total assets | $4,592,522,750 | 213 |
| Average earning assets | $4,503,536,500 | 203 |
| Average equity | $527,792,500 | 210 |
| Average total loans | $4,072,776,000 | 187 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2105% | 5,415 |
| Cost of funding earning assets | 0.8995% | 291 |
| Net interest margin | 2.3110% | 5,855 |
| Noninterest income to average assets | 0.0799% | 5,842 |
| Noninterest expense to average assets | 1.2481% | 5,964 |
| Loan and lease loss provision to assets | -0.1770% | 5,927 |
| Net operating income to assets | 1.2323% | 1,498 |
| Return on assets (ROA) | 1.2323% | 1,589 |
| Pretax return on assets | 1.2753% | 2,502 |
| Return on Equity (ROE) | 10.6396% | 1,789 |
| Retained earnings to average equity (ytd only) | 6.0621% | 2,084 |
| Net charge-offs to loans | -0.0039% | 4,476 |
| Credit loss provision to net charge-offs | 5,124.3590% | 78 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1941% | 5,373 |
| Assets per employee ($millions) | 16.4112% | 67 |
| Cash dividends to net income (ytd only)* | 43.0235% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 4,548 |
| Loan loss allowance to noncurrent loans | 1,221.7979% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 5,253 |
| Noncurrent loans to loans | 0.0816% | 5,127 |
| Net loans and leases to total assets | 87.6815% | 153 |
| Net loans and leases to deposits | 130.0731% | 42 |
| Net loans and leases to core deposits | 158.7414% | 92 |
| Total domestic deposits to total assets | 67.4094% | 5,853 |
| Equity capital to assets | 11.2900% | 2,748 |
| Core capital (leverage) ratio | 11.6542% | 1,870 |
| Tier 1 risk-based capital ratio | 21.6004% | 1,183 |
| Total risk-based capital ratio | 22.8561% | 1,168 |
| Memoranda: | ||
| Average total assets | $4,515,348,000 | 215 |
| Average earning assets | $4,428,335,000 | 204 |
| Average equity | $522,989,670 | 211 |
| Average total loans | $4,005,078,000 | 186 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2291% | 5,445 |
| Cost of funding earning assets | 0.9025% | 289 |
| Net interest margin | 2.3266% | 5,918 |
| Noninterest income to average assets | 0.0603% | 5,935 |
| Noninterest expense to average assets | 1.3618% | 5,976 |
| Loan and lease loss provision to assets | -0.1802% | 6,016 |
| Net operating income to assets | 1.1214% | 1,831 |
| Return on assets (ROA) | 1.1214% | 1,928 |
| Pretax return on assets | 1.1607% | 2,846 |
| Return on Equity (ROE) | 9.5533% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.1828% | 2,288 |
| Net charge-offs to loans | -0.0033% | 4,191 |
| Credit loss provision to net charge-offs | 6,218.7500% | 61 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1385% | 4,982 |
| Assets per employee ($millions) | 15.8715% | 74 |
| Cash dividends to net income (ytd only)* | 35.2818% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 4,068 |
| Loan loss allowance to noncurrent loans | 700.8529% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 5,019 |
| Noncurrent loans to loans | 0.1565% | 4,856 |
| Net loans and leases to total assets | 87.7322% | 131 |
| Net loans and leases to deposits | 122.9196% | 78 |
| Net loans and leases to core deposits | 149.0376% | 111 |
| Total domestic deposits to total assets | 71.3736% | 5,806 |
| Equity capital to assets | 11.6861% | 2,257 |
| Core capital (leverage) ratio | 11.7676% | 1,780 |
| Tier 1 risk-based capital ratio | 22.6052% | 1,075 |
| Total risk-based capital ratio | 23.8632% | 1,047 |
| Memoranda: | ||
| Average total assets | $4,418,021,000 | 221 |
| Average earning assets | $4,333,355,500 | 206 |
| Average equity | $518,604,000 | 212 |
| Average total loans | $3,921,921,500 | 188 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2595% | 5,415 |
| Cost of funding earning assets | 0.8806% | 314 |
| Net interest margin | 2.3789% | 5,903 |
| Noninterest income to average assets | 0.1174% | 5,815 |
| Noninterest expense to average assets | 1.5418% | 5,957 |
| Loan and lease loss provision to assets | -0.1750% | 5,958 |
| Net operating income to assets | 1.0456% | 2,147 |
| Return on assets (ROA) | 1.0456% | 2,233 |
| Pretax return on assets | 1.0824% | 3,143 |
| Return on Equity (ROE) | 8.5001% | 2,712 |
| Retained earnings to average equity (ytd only) | 4.5758% | 2,724 |
| Net charge-offs to loans | -0.0039% | 4,937 |
| Credit loss provision to net charge-offs | 5,028.8732% | 73 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9501% | 4,450 |
| Assets per employee ($millions) | 14.8308% | 84 |
| Cash dividends to net income (ytd only)* | 46.1672% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,612 |
| Loan loss allowance to noncurrent loans | 708.6422% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 5,000 |
| Noncurrent loans to loans | 0.1658% | 4,824 |
| Net loans and leases to total assets | 87.7948% | 132 |
| Net loans and leases to deposits | 121.6926% | 90 |
| Net loans and leases to core deposits | 150.6309% | 109 |
| Total domestic deposits to total assets | 72.1448% | 5,793 |
| Equity capital to assets | 11.7921% | 2,114 |
| Core capital (leverage) ratio | 12.2069% | 1,498 |
| Tier 1 risk-based capital ratio | 22.6787% | 1,056 |
| Total risk-based capital ratio | 23.9383% | 1,043 |
| Memoranda: | ||
| Average total assets | $4,080,835,200 | 221 |
| Average earning assets | $4,000,045,600 | 207 |
| Average equity | $502,005,400 | 208 |
| Average total loans | $3,603,775,400 | 187 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 5,446 |
| Cost of funding earning assets | 0.8771% | 325 |
| Net interest margin | 2.4005% | 5,974 |
| Noninterest income to average assets | 0.1446% | 5,758 |
| Noninterest expense to average assets | 1.5708% | 5,995 |
| Loan and lease loss provision to assets | -0.0062% | 5,807 |
| Net operating income to assets | 0.9010% | 2,957 |
| Return on assets (ROA) | 0.9010% | 3,043 |
| Pretax return on assets | 0.9328% | 3,878 |
| Return on Equity (ROE) | 7.2428% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.1812% | 4,200 |
| Net charge-offs to loans | -0.0041% | 4,801 |
| Credit loss provision to net charge-offs | 172.4771% | 1,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8992% | 4,421 |
| Assets per employee ($millions) | 13.6676% | 103 |
| Cash dividends to net income (ytd only)* | 56.0782% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 2,491 |
| Loan loss allowance to noncurrent loans | 747.1712% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 5,083 |
| Noncurrent loans to loans | 0.1904% | 4,883 |
| Net loans and leases to total assets | 87.1478% | 175 |
| Net loans and leases to deposits | 117.3563% | 133 |
| Net loans and leases to core deposits | 146.9475% | 123 |
| Total domestic deposits to total assets | 74.2592% | 5,690 |
| Equity capital to assets | 12.1019% | 2,027 |
| Core capital (leverage) ratio | 12.4612% | 1,437 |
| Tier 1 risk-based capital ratio | 23.4765% | 1,002 |
| Total risk-based capital ratio | 24.7414% | 988 |
| Memoranda: | ||
| Average total assets | $4,010,976,750 | 228 |
| Average earning assets | $3,930,961,750 | 216 |
| Average equity | $498,965,250 | 213 |
| Average total loans | $3,536,319,250 | 191 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 5,415 |
| Cost of funding earning assets | 0.8720% | 330 |
| Net interest margin | 2.4409% | 6,014 |
| Noninterest income to average assets | 0.1916% | 5,531 |
| Noninterest expense to average assets | 1.6219% | 6,040 |
| Loan and lease loss provision to assets | -0.0013% | 5,925 |
| Net operating income to assets | 0.9296% | 2,733 |
| Return on assets (ROA) | 0.9296% | 2,857 |
| Pretax return on assets | 0.9624% | 3,729 |
| Return on Equity (ROE) | 7.4021% | 3,371 |
| Retained earnings to average equity (ytd only) | 2.9767% | 4,143 |
| Net charge-offs to loans | 0.0043% | 3,752 |
| Credit loss provision to net charge-offs | -34.6667% | 4,771 |
| Earnings coverage of net charge-offs (x) | 253.6133% | 273 |
| Efficiency ratio | 62.7929% | 4,548 |
| Assets per employee ($millions) | 12.7016% | 126 |
| Cash dividends to net income (ytd only)* | 59.7859% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 2,385 |
| Loan loss allowance to noncurrent loans | 1,112.2029% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 5,391 |
| Noncurrent loans to loans | 0.1329% | 5,215 |
| Net loans and leases to total assets | 87.8440% | 148 |
| Net loans and leases to deposits | 114.5410% | 168 |
| Net loans and leases to core deposits | 150.2719% | 105 |
| Total domestic deposits to total assets | 76.6922% | 5,501 |
| Equity capital to assets | 12.5832% | 1,608 |
| Core capital (leverage) ratio | 12.6596% | 1,308 |
| Tier 1 risk-based capital ratio | 24.1152% | 943 |
| Total risk-based capital ratio | 25.3811% | 930 |
| Memoranda: | ||
| Average total assets | $3,958,434,000 | 231 |
| Average earning assets | $3,878,047,670 | 218 |
| Average equity | $497,127,330 | 214 |
| Average total loans | $3,486,666,330 | 193 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 5,416 |
| Cost of funding earning assets | 0.8631% | 354 |
| Net interest margin | 2.4494% | 6,068 |
| Noninterest income to average assets | 0.2467% | 5,193 |
| Noninterest expense to average assets | 1.6414% | 6,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9696% | 2,396 |
| Return on assets (ROA) | 0.9696% | 2,532 |
| Pretax return on assets | 1.0039% | 3,483 |
| Return on Equity (ROE) | 7.7278% | 3,106 |
| Retained earnings to average equity (ytd only) | 3.6920% | 3,794 |
| Net charge-offs to loans | 0.0138% | 2,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 83.3025% | 575 |
| Efficiency ratio | 62.0497% | 4,789 |
| Assets per employee ($millions) | 13.0967% | 115 |
| Cash dividends to net income (ytd only)* | 52.2248% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 2,354 |
| Loan loss allowance to noncurrent loans | 767.4919% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 5,256 |
| Noncurrent loans to loans | 0.1986% | 5,066 |
| Net loans and leases to total assets | 86.4519% | 163 |
| Net loans and leases to deposits | 108.7855% | 239 |
| Net loans and leases to core deposits | 152.0278% | 95 |
| Total domestic deposits to total assets | 79.4701% | 5,179 |
| Equity capital to assets | 12.7206% | 1,558 |
| Core capital (leverage) ratio | 12.5231% | 1,355 |
| Tier 1 risk-based capital ratio | 24.3092% | 961 |
| Total risk-based capital ratio | 25.5755% | 940 |
| Memoranda: | ||
| Average total assets | $3,949,843,500 | 230 |
| Average earning assets | $3,867,876,500 | 216 |
| Average equity | $495,561,000 | 211 |
| Average total loans | $3,457,625,500 | 191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5790% | 5,138 |
| Cost of funding earning assets | 0.7709% | 759 |
| Net interest margin | 2.8080% | 5,792 |
| Noninterest income to average assets | 0.0493% | 6,294 |
| Noninterest expense to average assets | 1.6249% | 6,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1348% | 1,838 |
| Return on assets (ROA) | 1.1348% | 1,904 |
| Pretax return on assets | 1.1721% | 2,770 |
| Return on Equity (ROE) | 9.2100% | 2,480 |
| Retained earnings to average equity (ytd only) | 4.0423% | 3,330 |
| Net charge-offs to loans | 0.0790% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.4437% | 2,009 |
| Efficiency ratio | 58.0957% | 5,448 |
| Assets per employee ($millions) | 13.3684% | 103 |
| Cash dividends to net income (ytd only)* | 56.1094% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 2,428 |
| Loan loss allowance to noncurrent loans | 532.6976% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 5,038 |
| Noncurrent loans to loans | 0.2835% | 4,833 |
| Net loans and leases to total assets | 85.9730% | 206 |
| Net loans and leases to deposits | 107.5523% | 309 |
| Net loans and leases to core deposits | 158.1868% | 88 |
| Total domestic deposits to total assets | 79.9360% | 5,040 |
| Equity capital to assets | 12.3751% | 1,721 |
| Core capital (leverage) ratio | 12.3333% | 1,433 |
| Tier 1 risk-based capital ratio | 23.1206% | 1,069 |
| Total risk-based capital ratio | 24.3858% | 1,041 |
| Memoranda: | ||
| Average total assets | $3,800,661,400 | 225 |
| Average earning assets | $3,718,951,400 | 212 |
| Average equity | $468,293,800 | 212 |
| Average total loans | $3,431,161,200 | 188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 5,074 |
| Cost of funding earning assets | 0.7340% | 970 |
| Net interest margin | 2.8941% | 5,712 |
| Noninterest income to average assets | 0.0486% | 6,389 |
| Noninterest expense to average assets | 1.5986% | 6,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2375% | 1,561 |
| Return on assets (ROA) | 1.2375% | 1,619 |
| Pretax return on assets | 1.2811% | 2,452 |
| Return on Equity (ROE) | 10.0549% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.3134% | 3,584 |
| Net charge-offs to loans | 0.1069% | 2,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.1623% | 2,253 |
| Efficiency ratio | 55.5136% | 5,702 |
| Assets per employee ($millions) | 13.5052% | 100 |
| Cash dividends to net income (ytd only)* | 57.1019% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,652 |
| Loan loss allowance to noncurrent loans | 441.6428% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 5,059 |
| Noncurrent loans to loans | 0.3421% | 4,873 |
| Net loans and leases to total assets | 86.4512% | 170 |
| Net loans and leases to deposits | 105.7277% | 337 |
| Net loans and leases to core deposits | 156.9607% | 83 |
| Total domestic deposits to total assets | 81.7678% | 4,557 |
| Equity capital to assets | 12.3681% | 1,791 |
| Core capital (leverage) ratio | 12.3167% | 1,504 |
| Tier 1 risk-based capital ratio | 22.6423% | 1,170 |
| Total risk-based capital ratio | 23.9070% | 1,148 |
| Memoranda: | ||
| Average total assets | $3,754,882,750 | 225 |
| Average earning assets | $3,673,204,250 | 211 |
| Average equity | $462,118,500 | 211 |
| Average total loans | $3,419,581,250 | 185 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,866 |
| Cost of funding earning assets | 0.7048% | 1,173 |
| Net interest margin | 2.9946% | 5,545 |
| Noninterest income to average assets | 0.0463% | 6,453 |
| Noninterest expense to average assets | 1.5574% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3688% | 1,140 |
| Return on assets (ROA) | 1.3688% | 1,177 |
| Pretax return on assets | 1.4171% | 1,831 |
| Return on Equity (ROE) | 11.1416% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.4465% | 2,675 |
| Net charge-offs to loans | 0.1244% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.3532% | 2,068 |
| Efficiency ratio | 52.3595% | 6,041 |
| Assets per employee ($millions) | 13.2426% | 102 |
| Cash dividends to net income (ytd only)* | 51.1154% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 2,685 |
| Loan loss allowance to noncurrent loans | 253.9550% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 4,325 |
| Noncurrent loans to loans | 0.6088% | 4,200 |
| Net loans and leases to total assets | 89.9069% | 55 |
| Net loans and leases to deposits | 107.4818% | 264 |
| Net loans and leases to core deposits | 158.8002% | 79 |
| Total domestic deposits to total assets | 83.6485% | 4,054 |
| Equity capital to assets | 12.2033% | 1,852 |
| Core capital (leverage) ratio | 12.1457% | 1,576 |
| Tier 1 risk-based capital ratio | 20.7472% | 1,501 |
| Total risk-based capital ratio | 22.0115% | 1,477 |
| Memoranda: | ||
| Average total assets | $3,687,498,330 | 226 |
| Average earning assets | $3,605,712,000 | 211 |
| Average equity | $453,021,330 | 216 |
| Average total loans | $3,401,647,670 | 183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7553% | 4,648 |
| Cost of funding earning assets | 0.7040% | 1,221 |
| Net interest margin | 3.0513% | 5,378 |
| Noninterest income to average assets | 0.0298% | 6,537 |
| Noninterest expense to average assets | 1.5208% | 6,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4436% | 909 |
| Return on assets (ROA) | 1.4436% | 942 |
| Pretax return on assets | 1.4947% | 1,440 |
| Return on Equity (ROE) | 11.7106% | 1,488 |
| Retained earnings to average equity (ytd only) | 4.9558% | 3,136 |
| Net charge-offs to loans | 0.2421% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.6579% | 2,202 |
| Efficiency ratio | 50.4324% | 6,230 |
| Assets per employee ($millions) | 13.3930% | 103 |
| Cash dividends to net income (ytd only)* | 57.6806% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 2,805 |
| Loan loss allowance to noncurrent loans | 282.1931% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 4,603 |
| Noncurrent loans to loans | 0.5586% | 4,491 |
| Net loans and leases to total assets | 91.1349% | 31 |
| Net loans and leases to deposits | 106.9181% | 216 |
| Net loans and leases to core deposits | 155.0668% | 82 |
| Total domestic deposits to total assets | 85.2381% | 3,751 |
| Equity capital to assets | 12.4311% | 1,617 |
| Core capital (leverage) ratio | 12.3552% | 1,447 |
| Tier 1 risk-based capital ratio | 21.4018% | 1,396 |
| Total risk-based capital ratio | 22.6676% | 1,370 |
| Memoranda: | ||
| Average total assets | $3,650,800,500 | 226 |
| Average earning assets | $3,572,203,500 | 213 |
| Average equity | $450,054,500 | 217 |
| Average total loans | $3,385,268,000 | 183 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,560 |
| Cost of funding earning assets | 0.7132% | 1,722 |
| Net interest margin | 3.1606% | 5,124 |
| Noninterest income to average assets | 0.0340% | 6,586 |
| Noninterest expense to average assets | 1.2185% | 6,709 |
| Loan and lease loss provision to assets | 0.2064% | 1,794 |
| Net operating income to assets | 1.6537% | 628 |
| Return on assets (ROA) | 1.6537% | 643 |
| Pretax return on assets | 1.6992% | 957 |
| Return on Equity (ROE) | 13.6751% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.5260% | 3,716 |
| Net charge-offs to loans | 0.2423% | 2,523 |
| Credit loss provision to net charge-offs | 92.8563% | 2,680 |
| Earnings coverage of net charge-offs (x) | 8.5734% | 2,649 |
| Efficiency ratio | 39.0039% | 6,708 |
| Assets per employee ($millions) | 14.2919% | 86 |
| Cash dividends to net income (ytd only)* | 74.2158% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 2,664 |
| Loan loss allowance to noncurrent loans | 250.3037% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 4,428 |
| Noncurrent loans to loans | 0.6493% | 4,346 |
| Net loans and leases to total assets | 91.3493% | 28 |
| Net loans and leases to deposits | 106.9142% | 237 |
| Net loans and leases to core deposits | 153.0962% | 86 |
| Total domestic deposits to total assets | 85.4417% | 3,533 |
| Equity capital to assets | 12.2244% | 1,668 |
| Core capital (leverage) ratio | 12.1487% | 1,520 |
| Tier 1 risk-based capital ratio | 21.2785% | 1,372 |
| Total risk-based capital ratio | 22.5458% | 1,348 |
| Memoranda: | ||
| Average total assets | $3,633,912,200 | 218 |
| Average earning assets | $3,552,819,200 | 206 |
| Average equity | $439,448,200 | 215 |
| Average total loans | $3,333,150,600 | 176 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 4,469 |
| Cost of funding earning assets | 0.7156% | 1,849 |
| Net interest margin | 3.1925% | 5,025 |
| Noninterest income to average assets | 0.0364% | 6,663 |
| Noninterest expense to average assets | 1.1620% | 6,801 |
| Loan and lease loss provision to assets | 0.2756% | 1,262 |
| Net operating income to assets | 1.6750% | 648 |
| Return on assets (ROA) | 1.6750% | 683 |
| Pretax return on assets | 1.7193% | 1,059 |
| Return on Equity (ROE) | 13.8893% | 1,015 |
| Retained earnings to average equity (ytd only) | 3.8171% | 3,972 |
| Net charge-offs to loans | 0.2294% | 2,432 |
| Credit loss provision to net charge-offs | 131.4176% | 1,798 |
| Earnings coverage of net charge-offs (x) | 9.5110% | 2,476 |
| Efficiency ratio | 36.8070% | 6,790 |
| Assets per employee ($millions) | 16.4842% | 71 |
| Cash dividends to net income (ytd only)* | 72.5178% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,556 |
| Loan loss allowance to noncurrent loans | 261.8543% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 4,579 |
| Noncurrent loans to loans | 0.6573% | 4,556 |
| Net loans and leases to total assets | 90.6689% | 33 |
| Net loans and leases to deposits | 104.2387% | 286 |
| Net loans and leases to core deposits | 146.9363% | 102 |
| Total domestic deposits to total assets | 86.9819% | 2,704 |
| Equity capital to assets | 12.2448% | 1,751 |
| Core capital (leverage) ratio | 12.1749% | 1,570 |
| Tier 1 risk-based capital ratio | 21.1939% | 1,458 |
| Total risk-based capital ratio | 22.4627% | 1,418 |
| Memoranda: | ||
| Average total assets | $3,627,711,750 | 216 |
| Average earning assets | $3,545,836,750 | 202 |
| Average equity | $437,496,000 | 214 |
| Average total loans | $3,317,081,750 | 175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 4,303 |
| Cost of funding earning assets | 0.7195% | 1,924 |
| Net interest margin | 3.2276% | 4,845 |
| Noninterest income to average assets | 0.0374% | 6,705 |
| Noninterest expense to average assets | 1.1165% | 6,854 |
| Loan and lease loss provision to assets | 0.4134% | 738 |
| Net operating income to assets | 1.6192% | 723 |
| Return on assets (ROA) | 1.6192% | 791 |
| Pretax return on assets | 1.6611% | 1,207 |
| Return on Equity (ROE) | 13.4953% | 1,127 |
| Retained earnings to average equity (ytd only) | 1.8254% | 5,105 |
| Net charge-offs to loans | 0.3348% | 1,848 |
| Credit loss provision to net charge-offs | 135.4524% | 1,670 |
| Earnings coverage of net charge-offs (x) | 6.7966% | 2,649 |
| Efficiency ratio | 34.9889% | 6,853 |
| Assets per employee ($millions) | 17.0579% | 62 |
| Cash dividends to net income (ytd only)* | 86.4740% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 2,529 |
| Loan loss allowance to noncurrent loans | 325.1534% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 4,922 |
| Noncurrent loans to loans | 0.5445% | 4,895 |
| Net loans and leases to total assets | 89.0402% | 63 |
| Net loans and leases to deposits | 102.2614% | 321 |
| Net loans and leases to core deposits | 141.7840% | 125 |
| Total domestic deposits to total assets | 87.0712% | 2,780 |
| Equity capital to assets | 12.1265% | 1,831 |
| Core capital (leverage) ratio | 12.0331% | 1,597 |
| Tier 1 risk-based capital ratio | 20.9176% | 1,510 |
| Total risk-based capital ratio | 22.1866% | 1,483 |
| Memoranda: | ||
| Average total assets | $3,628,110,000 | 217 |
| Average earning assets | $3,544,871,670 | 202 |
| Average equity | $435,308,330 | 214 |
| Average total loans | $3,307,539,330 | 175 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 4,118 |
| Cost of funding earning assets | 0.7306% | 1,992 |
| Net interest margin | 3.2702% | 4,631 |
| Noninterest income to average assets | 0.0501% | 6,735 |
| Noninterest expense to average assets | 1.1064% | 6,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0785% | 302 |
| Return on assets (ROA) | 2.0785% | 330 |
| Pretax return on assets | 2.1369% | 460 |
| Return on Equity (ROE) | 17.4158% | 479 |
| Retained earnings to average equity (ytd only) | 3.6142% | 4,072 |
| Net charge-offs to loans | 0.3357% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.9621% | 2,141 |
| Efficiency ratio | 34.1132% | 6,935 |
| Assets per employee ($millions) | 18.6086% | 61 |
| Cash dividends to net income (ytd only)* | 79.2477% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 3,391 |
| Loan loss allowance to noncurrent loans | 65.9075% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.2199% | 2,103 |
| Noncurrent loans to loans | 2.4308% | 2,124 |
| Net loans and leases to total assets | 89.7877% | 41 |
| Net loans and leases to deposits | 103.1146% | 248 |
| Net loans and leases to core deposits | 140.9195% | 122 |
| Total domestic deposits to total assets | 87.0757% | 2,921 |
| Equity capital to assets | 12.0339% | 2,013 |
| Core capital (leverage) ratio | 11.9350% | 1,605 |
| Tier 1 risk-based capital ratio | 19.7310% | 1,841 |
| Total risk-based capital ratio | 20.9955% | 1,806 |
| Memoranda: | ||
| Average total assets | $3,642,553,500 | 220 |
| Average earning assets | $3,556,705,500 | 206 |
| Average equity | $434,732,000 | 216 |
| Average total loans | $3,330,052,000 | 176 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 4,258 |
| Cost of funding earning assets | 0.8651% | 2,184 |
| Net interest margin | 3.4191% | 4,819 |
| Noninterest income to average assets | 0.1304% | 6,387 |
| Noninterest expense to average assets | 0.9552% | 7,021 |
| Loan and lease loss provision to assets | 0.5103% | 1,149 |
| Net operating income to assets | 1.9421% | 401 |
| Return on assets (ROA) | 1.9421% | 438 |
| Pretax return on assets | 2.0034% | 593 |
| Return on Equity (ROE) | 17.2799% | 511 |
| Retained earnings to average equity (ytd only) | 6.5269% | 1,808 |
| Net charge-offs to loans | 0.4165% | 2,579 |
| Credit loss provision to net charge-offs | 136.3473% | 2,030 |
| Earnings coverage of net charge-offs (x) | 6.7167% | 2,763 |
| Efficiency ratio | 27.5369% | 7,029 |
| Assets per employee ($millions) | 17.2473% | 72 |
| Cash dividends to net income (ytd only)* | 62.2286% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 3,052 |
| Loan loss allowance to noncurrent loans | 64.3935% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.3840% | 2,056 |
| Noncurrent loans to loans | 2.5895% | 2,044 |
| Net loans and leases to total assets | 90.0635% | 42 |
| Net loans and leases to deposits | 103.0683% | 297 |
| Net loans and leases to core deposits | 138.6781% | 136 |
| Total domestic deposits to total assets | 87.3824% | 2,587 |
| Equity capital to assets | 11.8365% | 2,152 |
| Core capital (leverage) ratio | 11.7368% | 1,716 |
| Tier 1 risk-based capital ratio | 19.3148% | 1,865 |
| Total risk-based capital ratio | 20.5805% | 1,834 |
| Memoranda: | ||
| Average total assets | $3,723,576,400 | 216 |
| Average earning assets | $3,635,799,000 | 201 |
| Average equity | $418,485,400 | 226 |
| Average total loans | $3,345,664,200 | 171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 4,292 |
| Cost of funding earning assets | 0.8841% | 2,281 |
| Net interest margin | 3.4560% | 4,825 |
| Noninterest income to average assets | 0.1234% | 6,516 |
| Noninterest expense to average assets | 0.9326% | 7,129 |
| Loan and lease loss provision to assets | 0.6773% | 763 |
| Net operating income to assets | 1.8364% | 531 |
| Return on assets (ROA) | 1.8364% | 597 |
| Pretax return on assets | 1.8883% | 897 |
| Return on Equity (ROE) | 16.5552% | 661 |
| Retained earnings to average equity (ytd only) | 5.2438% | 3,192 |
| Net charge-offs to loans | 0.4230% | 2,401 |
| Credit loss provision to net charge-offs | 179.0426% | 1,557 |
| Earnings coverage of net charge-offs (x) | 6.7822% | 2,713 |
| Efficiency ratio | 26.6599% | 7,133 |
| Assets per employee ($millions) | 18.1560% | 64 |
| Cash dividends to net income (ytd only)* | 68.3256% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 2,872 |
| Loan loss allowance to noncurrent loans | 75.5224% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2593% | 2,358 |
| Noncurrent loans to loans | 2.3520% | 2,452 |
| Net loans and leases to total assets | 88.7653% | 74 |
| Net loans and leases to deposits | 101.0334% | 395 |
| Net loans and leases to core deposits | 134.9998% | 159 |
| Total domestic deposits to total assets | 87.8574% | 2,124 |
| Equity capital to assets | 11.4478% | 2,805 |
| Core capital (leverage) ratio | 11.3450% | 2,096 |
| Tier 1 risk-based capital ratio | 18.2880% | 2,236 |
| Total risk-based capital ratio | 19.5545% | 2,203 |
| Memoranda: | ||
| Average total assets | $3,740,362,750 | 217 |
| Average earning assets | $3,652,476,250 | 202 |
| Average equity | $414,908,500 | 230 |
| Average total loans | $3,344,842,500 | 169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 4,110 |
| Cost of funding earning assets | 0.9098% | 2,322 |
| Net interest margin | 3.5090% | 4,630 |
| Noninterest income to average assets | 0.1170% | 6,601 |
| Noninterest expense to average assets | 0.9243% | 7,197 |
| Loan and lease loss provision to assets | 0.6917% | 802 |
| Net operating income to assets | 1.8751% | 486 |
| Return on assets (ROA) | 1.8751% | 557 |
| Pretax return on assets | 1.9284% | 809 |
| Return on Equity (ROE) | 17.0827% | 626 |
| Retained earnings to average equity (ytd only) | 4.4788% | 3,621 |
| Net charge-offs to loans | 0.2615% | 3,013 |
| Credit loss provision to net charge-offs | 296.8037% | 986 |
| Earnings coverage of net charge-offs (x) | 11.2422% | 1,980 |
| Efficiency ratio | 26.0768% | 7,192 |
| Assets per employee ($millions) | 18.4611% | 61 |
| Cash dividends to net income (ytd only)* | 73.7819% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 2,865 |
| Loan loss allowance to noncurrent loans | 86.3416% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 2.0210% | 2,751 |
| Noncurrent loans to loans | 2.0812% | 2,847 |
| Net loans and leases to total assets | 88.8030% | 61 |
| Net loans and leases to deposits | 100.9345% | 383 |
| Net loans and leases to core deposits | 131.3155% | 205 |
| Total domestic deposits to total assets | 87.9808% | 2,154 |
| Equity capital to assets | 11.3272% | 2,755 |
| Core capital (leverage) ratio | 11.2457% | 2,092 |
| Tier 1 risk-based capital ratio | 17.6567% | 2,410 |
| Total risk-based capital ratio | 18.9226% | 2,374 |
| Memoranda: | ||
| Average total assets | $3,758,593,000 | 218 |
| Average earning assets | $3,671,271,670 | 199 |
| Average equity | $412,568,330 | 230 |
| Average total loans | $3,349,535,330 | 167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 3,787 |
| Cost of funding earning assets | 0.9420% | 2,364 |
| Net interest margin | 3.5898% | 4,309 |
| Noninterest income to average assets | 0.0771% | 6,838 |
| Noninterest expense to average assets | 0.8865% | 7,268 |
| Loan and lease loss provision to assets | 0.4199% | 1,502 |
| Net operating income to assets | 2.2130% | 284 |
| Return on assets (ROA) | 2.2130% | 336 |
| Pretax return on assets | 2.2801% | 469 |
| Return on Equity (ROE) | 20.4744% | 357 |
| Retained earnings to average equity (ytd only) | 13.6755% | 603 |
| Net charge-offs to loans | 0.1460% | 3,221 |
| Credit loss provision to net charge-offs | 324.9391% | 922 |
| Earnings coverage of net charge-offs (x) | 20.8928% | 1,176 |
| Efficiency ratio | 24.7168% | 7,254 |
| Assets per employee ($millions) | 20.1482% | 60 |
| Cash dividends to net income (ytd only)* | 33.2068% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,786 |
| Loan loss allowance to noncurrent loans | 64.7168% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.3166% | 2,562 |
| Noncurrent loans to loans | 2.4478% | 2,664 |
| Net loans and leases to total assets | 87.8239% | 76 |
| Net loans and leases to deposits | 103.3479% | 276 |
| Net loans and leases to core deposits | 132.2480% | 184 |
| Total domestic deposits to total assets | 84.9789% | 4,053 |
| Equity capital to assets | 11.0554% | 2,842 |
| Core capital (leverage) ratio | 10.9788% | 2,274 |
| Tier 1 risk-based capital ratio | 16.9351% | 2,704 |
| Total risk-based capital ratio | 18.1963% | 2,658 |
| Memoranda: | ||
| Average total assets | $3,810,241,000 | 215 |
| Average earning assets | $3,724,933,000 | 194 |
| Average equity | $411,831,500 | 226 |
| Average total loans | $3,371,598,000 | 164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 2,871 |
| Cost of funding earning assets | 1.1020% | 2,662 |
| Net interest margin | 3.8999% | 3,340 |
| Noninterest income to average assets | 0.0751% | 6,736 |
| Noninterest expense to average assets | 0.8809% | 7,304 |
| Loan and lease loss provision to assets | 1.1793% | 750 |
| Net operating income to assets | 1.7714% | 487 |
| Return on assets (ROA) | 1.7721% | 526 |
| Pretax return on assets | 1.8203% | 776 |
| Return on Equity (ROE) | 16.3967% | 554 |
| Retained earnings to average equity (ytd only) | 7.5758% | 1,240 |
| Net charge-offs to loans | 0.9341% | 1,864 |
| Credit loss provision to net charge-offs | 135.9507% | 2,203 |
| Earnings coverage of net charge-offs (x) | 3.4571% | 3,512 |
| Efficiency ratio | 22.7059% | 7,323 |
| Assets per employee ($millions) | 21.1747% | 60 |
| Cash dividends to net income (ytd only)* | 53.7969% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,970 |
| Loan loss allowance to noncurrent loans | 79.1992% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.8305% | 3,215 |
| Noncurrent loans to loans | 1.9064% | 3,335 |
| Net loans and leases to total assets | 86.4220% | 120 |
| Net loans and leases to deposits | 104.5977% | 292 |
| Net loans and leases to core deposits | 133.7265% | 203 |
| Total domestic deposits to total assets | 82.6232% | 4,909 |
| Equity capital to assets | 10.5646% | 3,458 |
| Core capital (leverage) ratio | 10.4840% | 2,749 |
| Tier 1 risk-based capital ratio | 16.2283% | 2,942 |
| Total risk-based capital ratio | 17.4881% | 2,906 |
| Memoranda: | ||
| Average total assets | $3,629,344,200 | 215 |
| Average earning assets | $3,540,694,200 | 199 |
| Average equity | $392,250,200 | 224 |
| Average total loans | $3,370,240,800 | 165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 2,465 |
| Cost of funding earning assets | 1.1269% | 2,785 |
| Net interest margin | 4.0054% | 2,895 |
| Noninterest income to average assets | 0.0823% | 6,832 |
| Noninterest expense to average assets | 0.8993% | 7,383 |
| Loan and lease loss provision to assets | 0.9985% | 863 |
| Net operating income to assets | 2.0266% | 325 |
| Return on assets (ROA) | 2.0266% | 351 |
| Pretax return on assets | 2.0894% | 530 |
| Return on Equity (ROE) | 18.6390% | 409 |
| Retained earnings to average equity (ytd only) | 8.2218% | 1,419 |
| Net charge-offs to loans | 0.8172% | 1,935 |
| Credit loss provision to net charge-offs | 129.6691% | 2,451 |
| Earnings coverage of net charge-offs (x) | 4.0100% | 3,216 |
| Efficiency ratio | 22.5553% | 7,395 |
| Assets per employee ($millions) | 22.5439% | 59 |
| Cash dividends to net income (ytd only)* | 55.8895% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,740 |
| Loan loss allowance to noncurrent loans | 103.1705% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 4,210 |
| Noncurrent loans to loans | 1.3157% | 4,339 |
| Net loans and leases to total assets | 89.6080% | 47 |
| Net loans and leases to deposits | 105.5678% | 264 |
| Net loans and leases to core deposits | 134.1966% | 207 |
| Total domestic deposits to total assets | 84.8819% | 3,826 |
| Equity capital to assets | 10.7905% | 3,376 |
| Core capital (leverage) ratio | 10.7127% | 2,650 |
| Tier 1 risk-based capital ratio | 15.6852% | 3,287 |
| Total risk-based capital ratio | 16.9421% | 3,245 |
| Memoranda: | ||
| Average total assets | $3,578,525,250 | 215 |
| Average earning assets | $3,488,831,500 | 200 |
| Average equity | $389,087,500 | 225 |
| Average total loans | $3,372,050,500 | 164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 2,129 |
| Cost of funding earning assets | 1.1436% | 2,940 |
| Net interest margin | 4.0899% | 2,447 |
| Noninterest income to average assets | 0.0645% | 6,980 |
| Noninterest expense to average assets | 0.8995% | 7,461 |
| Loan and lease loss provision to assets | 0.7516% | 1,239 |
| Net operating income to assets | 2.3239% | 213 |
| Return on assets (ROA) | 2.3239% | 227 |
| Pretax return on assets | 2.3974% | 288 |
| Return on Equity (ROE) | 21.3172% | 259 |
| Retained earnings to average equity (ytd only) | 10.8455% | 692 |
| Net charge-offs to loans | 0.5169% | 2,548 |
| Credit loss provision to net charge-offs | 152.4006% | 2,007 |
| Earnings coverage of net charge-offs (x) | 6.3849% | 2,402 |
| Efficiency ratio | 22.2187% | 7,471 |
| Assets per employee ($millions) | 22.5157% | 60 |
| Cash dividends to net income (ytd only)* | 49.1233% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 5,092 |
| Loan loss allowance to noncurrent loans | 82.3213% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.6590% | 3,695 |
| Noncurrent loans to loans | 1.5702% | 4,050 |
| Net loans and leases to total assets | 92.7567% | 18 |
| Net loans and leases to deposits | 109.5588% | 186 |
| Net loans and leases to core deposits | 137.0912% | 208 |
| Total domestic deposits to total assets | 84.6638% | 4,043 |
| Equity capital to assets | 10.9171% | 3,041 |
| Core capital (leverage) ratio | 10.8410% | 2,379 |
| Tier 1 risk-based capital ratio | 15.0244% | 3,482 |
| Total risk-based capital ratio | 16.2798% | 3,451 |
| Memoranda: | ||
| Average total assets | $3,538,969,670 | 220 |
| Average earning assets | $3,447,280,330 | 204 |
| Average equity | $385,801,670 | 227 |
| Average total loans | $3,376,544,670 | 165 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 1,704 |
| Cost of funding earning assets | 1.1643% | 3,060 |
| Net interest margin | 4.1937% | 1,908 |
| Noninterest income to average assets | 0.0763% | 7,011 |
| Noninterest expense to average assets | 0.8708% | 7,527 |
| Loan and lease loss provision to assets | 0.8581% | 956 |
| Net operating income to assets | 2.3333% | 215 |
| Return on assets (ROA) | 2.3333% | 226 |
| Pretax return on assets | 2.4292% | 274 |
| Return on Equity (ROE) | 21.4196% | 272 |
| Retained earnings to average equity (ytd only) | 14.8024% | 410 |
| Net charge-offs to loans | 0.4054% | 2,475 |
| Credit loss provision to net charge-offs | 220.1350% | 1,377 |
| Earnings coverage of net charge-offs (x) | 8.4329% | 1,825 |
| Efficiency ratio | 20.9427% | 7,530 |
| Assets per employee ($millions) | 23.5828% | 58 |
| Cash dividends to net income (ytd only)* | 30.8930% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 5,199 |
| Loan loss allowance to noncurrent loans | 85.3442% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.7339% | 3,659 |
| Noncurrent loans to loans | 1.5070% | 4,214 |
| Net loans and leases to total assets | 94.4964% | 9 |
| Net loans and leases to deposits | 112.7965% | 146 |
| Net loans and leases to core deposits | 138.5794% | 200 |
| Total domestic deposits to total assets | 83.7760% | 4,583 |
| Equity capital to assets | 10.9965% | 2,693 |
| Core capital (leverage) ratio | 10.9168% | 2,245 |
| Tier 1 risk-based capital ratio | 14.6465% | 3,645 |
| Total risk-based capital ratio | 15.9015% | 3,600 |
| Memoranda: | ||
| Average total assets | $3,495,943,500 | 220 |
| Average earning assets | $3,402,686,000 | 204 |
| Average equity | $380,829,000 | 223 |
| Average total loans | $3,361,576,500 | 166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 1,990 |
| Cost of funding earning assets | 1.4358% | 3,045 |
| Net interest margin | 4.1391% | 2,413 |
| Noninterest income to average assets | 0.0129% | 7,238 |
| Noninterest expense to average assets | 0.9655% | 7,584 |
| Loan and lease loss provision to assets | 0.7041% | 2,328 |
| Net operating income to assets | 2.3031% | 155 |
| Return on assets (ROA) | 2.3031% | 161 |
| Pretax return on assets | 2.3708% | 225 |
| Return on Equity (ROE) | 22.5916% | 155 |
| Retained earnings to average equity (ytd only) | 8.4965% | 841 |
| Net charge-offs to loans | 0.6221% | 3,169 |
| Credit loss provision to net charge-offs | 115.9763% | 3,712 |
| Earnings coverage of net charge-offs (x) | 5.0648% | 2,722 |
| Efficiency ratio | 23.8959% | 7,613 |
| Assets per employee ($millions) | 25.0323% | 55 |
| Cash dividends to net income (ytd only)* | 62.3908% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,598 |
| Loan loss allowance to noncurrent loans | 59.3779% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.1632% | 3,141 |
| Noncurrent loans to loans | 1.9915% | 3,576 |
| Net loans and leases to total assets | 95.4534% | 4 |
| Net loans and leases to deposits | 114.8916% | 159 |
| Net loans and leases to core deposits | 138.3960% | 238 |
| Total domestic deposits to total assets | 83.0813% | 4,763 |
| Equity capital to assets | 10.7879% | 2,870 |
| Core capital (leverage) ratio | 10.7018% | 2,378 |
| Tier 1 risk-based capital ratio | 14.1506% | 3,767 |
| Total risk-based capital ratio | 15.4038% | 3,723 |
| Memoranda: | ||
| Average total assets | $3,479,646,800 | 222 |
| Average earning assets | $3,385,722,400 | 206 |
| Average equity | $354,734,400 | 228 |
| Average total loans | $3,395,695,800 | 168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 2,101 |
| Cost of funding earning assets | 1.4643% | 3,189 |
| Net interest margin | 4.1246% | 2,517 |
| Noninterest income to average assets | 0.0183% | 7,394 |
| Noninterest expense to average assets | 0.9468% | 7,703 |
| Loan and lease loss provision to assets | 0.5737% | 2,643 |
| Net operating income to assets | 2.4354% | 156 |
| Return on assets (ROA) | 2.4354% | 161 |
| Pretax return on assets | 2.5109% | 226 |
| Return on Equity (ROE) | 24.2383% | 135 |
| Retained earnings to average equity (ytd only) | 10.9149% | 617 |
| Net charge-offs to loans | 0.3239% | 4,042 |
| Credit loss provision to net charge-offs | 181.0282% | 2,022 |
| Earnings coverage of net charge-offs (x) | 9.7332% | 1,973 |
| Efficiency ratio | 23.4851% | 7,713 |
| Assets per employee ($millions) | 24.2882% | 55 |
| Cash dividends to net income (ytd only)* | 54.9684% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 5,084 |
| Loan loss allowance to noncurrent loans | 53.6766% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.4330% | 2,939 |
| Noncurrent loans to loans | 2.3745% | 3,265 |
| Net loans and leases to total assets | 96.8022% | 4 |
| Net loans and leases to deposits | 116.7800% | 148 |
| Net loans and leases to core deposits | 143.8513% | 226 |
| Total domestic deposits to total assets | 82.8928% | 4,635 |
| Equity capital to assets | 10.5882% | 3,423 |
| Core capital (leverage) ratio | 10.5009% | 2,686 |
| Tier 1 risk-based capital ratio | 14.0100% | 3,829 |
| Total risk-based capital ratio | 15.2651% | 3,793 |
| Memoranda: | ||
| Average total assets | $3,485,942,500 | 221 |
| Average earning assets | $3,391,746,000 | 204 |
| Average equity | $350,251,750 | 227 |
| Average total loans | $3,410,404,000 | 164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6057% | 2,120 |
| Cost of funding earning assets | 1.4970% | 3,274 |
| Net interest margin | 4.1087% | 2,515 |
| Noninterest income to average assets | 0.0273% | 7,442 |
| Noninterest expense to average assets | 0.9419% | 7,780 |
| Loan and lease loss provision to assets | 0.5419% | 2,612 |
| Net operating income to assets | 2.4613% | 142 |
| Return on assets (ROA) | 2.4613% | 147 |
| Pretax return on assets | 2.5399% | 219 |
| Return on Equity (ROE) | 24.9332% | 125 |
| Retained earnings to average equity (ytd only) | 12.7991% | 402 |
| Net charge-offs to loans | 0.2868% | 3,902 |
| Credit loss provision to net charge-offs | 193.2859% | 2,041 |
| Earnings coverage of net charge-offs (x) | 10.9927% | 1,816 |
| Efficiency ratio | 23.4087% | 7,780 |
| Assets per employee ($millions) | 25.7629% | 52 |
| Cash dividends to net income (ytd only)* | 48.6663% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 5,490 |
| Loan loss allowance to noncurrent loans | 42.2847% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 2,482 |
| Noncurrent loans to loans | 2.8220% | 2,837 |
| Net loans and leases to total assets | 96.8251% | 2 |
| Net loans and leases to deposits | 128.3915% | 78 |
| Net loans and leases to core deposits | 154.1311% | 195 |
| Total domestic deposits to total assets | 75.4140% | 6,791 |
| Equity capital to assets | 10.2380% | 3,720 |
| Core capital (leverage) ratio | 10.1520% | 2,995 |
| Tier 1 risk-based capital ratio | 13.4325% | 4,114 |
| Total risk-based capital ratio | 14.6862% | 4,076 |
| Memoranda: | ||
| Average total assets | $3,506,378,000 | 221 |
| Average earning assets | $3,410,518,000 | 202 |
| Average equity | $346,133,000 | 228 |
| Average total loans | $3,427,898,000 | 158 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 1,925 |
| Cost of funding earning assets | 1.5608% | 3,201 |
| Net interest margin | 4.0976% | 2,450 |
| Noninterest income to average assets | 0.0075% | 7,632 |
| Noninterest expense to average assets | 0.7862% | 7,893 |
| Loan and lease loss provision to assets | 0.6817% | 1,870 |
| Net operating income to assets | 2.4457% | 163 |
| Return on assets (ROA) | 2.4457% | 179 |
| Pretax return on assets | 2.5238% | 244 |
| Return on Equity (ROE) | 25.2385% | 155 |
| Retained earnings to average equity (ytd only) | 17.0313% | 284 |
| Net charge-offs to loans | 0.2032% | 3,695 |
| Credit loss provision to net charge-offs | 343.6426% | 1,173 |
| Earnings coverage of net charge-offs (x) | 16.1586% | 1,343 |
| Efficiency ratio | 19.6966% | 7,901 |
| Assets per employee ($millions) | 26.9372% | 54 |
| Cash dividends to net income (ytd only)* | 32.5188% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 5,596 |
| Loan loss allowance to noncurrent loans | 49.3154% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.6911% | 2,707 |
| Noncurrent loans to loans | 2.3946% | 3,278 |
| Net loans and leases to total assets | 96.3921% | 4 |
| Net loans and leases to deposits | 130.7900% | 76 |
| Net loans and leases to core deposits | 157.8626% | 195 |
| Total domestic deposits to total assets | 73.6999% | 7,085 |
| Equity capital to assets | 9.9508% | 3,930 |
| Core capital (leverage) ratio | 9.8648% | 3,322 |
| Tier 1 risk-based capital ratio | 13.0927% | 4,265 |
| Total risk-based capital ratio | 14.3462% | 4,236 |
| Memoranda: | ||
| Average total assets | $3,520,573,500 | 223 |
| Average earning assets | $3,423,185,500 | 208 |
| Average equity | $341,161,000 | 235 |
| Average total loans | $3,437,729,500 | 163 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 2,512 |
| Cost of funding earning assets | 2.3481% | 1,463 |
| Net interest margin | 3.4852% | 5,020 |
| Noninterest income to average assets | 0.0054% | 7,676 |
| Noninterest expense to average assets | 0.8260% | 7,964 |
| Loan and lease loss provision to assets | 1.2417% | 1,856 |
| Net operating income to assets | 1.3024% | 1,030 |
| Return on assets (ROA) | 1.3024% | 1,075 |
| Pretax return on assets | 1.3366% | 1,597 |
| Return on Equity (ROE) | 15.2707% | 635 |
| Retained earnings to average equity (ytd only) | 6.7775% | 1,045 |
| Net charge-offs to loans | 0.7454% | 2,963 |
| Credit loss provision to net charge-offs | 170.2335% | 2,507 |
| Earnings coverage of net charge-offs (x) | 3.5348% | 3,303 |
| Efficiency ratio | 24.2633% | 7,966 |
| Assets per employee ($millions) | 28.0898% | 56 |
| Cash dividends to net income (ytd only)* | 55.6174% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 6,163 |
| Loan loss allowance to noncurrent loans | 43.8088% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4321% | 2,861 |
| Noncurrent loans to loans | 2.3808% | 3,189 |
| Net loans and leases to total assets | 96.7291% | 2 |
| Net loans and leases to deposits | 138.9179% | 64 |
| Net loans and leases to core deposits | 294.8936% | 37 |
| Total domestic deposits to total assets | 69.6304% | 7,454 |
| Equity capital to assets | 9.4329% | 4,510 |
| Core capital (leverage) ratio | 9.3493% | 3,903 |
| Tier 1 risk-based capital ratio | 12.3843% | 4,610 |
| Total risk-based capital ratio | 13.6343% | 4,577 |
| Memoranda: | ||
| Average total assets | $3,382,374,200 | 229 |
| Average earning assets | $3,298,759,000 | 217 |
| Average equity | $288,468,400 | 262 |
| Average total loans | $3,309,927,400 | 176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8698% | 2,583 |
| Cost of funding earning assets | 2.5686% | 1,107 |
| Net interest margin | 3.3012% | 5,636 |
| Noninterest income to average assets | 0.0099% | 7,807 |
| Noninterest expense to average assets | 0.8088% | 8,052 |
| Loan and lease loss provision to assets | 1.1964% | 1,626 |
| Net operating income to assets | 1.1897% | 1,491 |
| Return on assets (ROA) | 1.1897% | 1,547 |
| Pretax return on assets | 1.2257% | 2,179 |
| Return on Equity (ROE) | 14.3530% | 866 |
| Retained earnings to average equity (ytd only) | 7.3285% | 1,385 |
| Net charge-offs to loans | 0.9255% | 2,116 |
| Credit loss provision to net charge-offs | 132.0655% | 3,790 |
| Earnings coverage of net charge-offs (x) | 2.6736% | 3,891 |
| Efficiency ratio | 25.0330% | 8,034 |
| Assets per employee ($millions) | 28.3700% | 55 |
| Cash dividends to net income (ytd only)* | 48.9407% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 7,243 |
| Loan loss allowance to noncurrent loans | 43.3706% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8950% | 3,514 |
| Noncurrent loans to loans | 1.7445% | 4,007 |
| Net loans and leases to total assets | 97.0973% | 3 |
| Net loans and leases to deposits | 131.7474% | 99 |
| Net loans and leases to core deposits | 285.5048% | 39 |
| Total domestic deposits to total assets | 73.6996% | 7,005 |
| Equity capital to assets | 8.0581% | 6,790 |
| Core capital (leverage) ratio | 7.9744% | 6,405 |
| Tier 1 risk-based capital ratio | 10.4078% | 6,561 |
| Total risk-based capital ratio | 11.3748% | 6,804 |
| Memoranda: | ||
| Average total assets | $3,343,140,250 | 240 |
| Average earning assets | $3,261,970,250 | 227 |
| Average equity | $277,120,250 | 275 |
| Average total loans | $3,272,502,250 | 188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9178% | 2,505 |
| Cost of funding earning assets | 2.8145% | 753 |
| Net interest margin | 3.1033% | 6,225 |
| Noninterest income to average assets | 0.0233% | 7,858 |
| Noninterest expense to average assets | 0.8230% | 8,147 |
| Loan and lease loss provision to assets | 0.9437% | 1,791 |
| Net operating income to assets | 1.2452% | 1,370 |
| Return on assets (ROA) | 1.2452% | 1,444 |
| Pretax return on assets | 1.2833% | 2,074 |
| Return on Equity (ROE) | 14.8741% | 855 |
| Retained earnings to average equity (ytd only) | 8.3287% | 1,114 |
| Net charge-offs to loans | 0.7504% | 2,183 |
| Credit loss provision to net charge-offs | 128.4495% | 3,622 |
| Earnings coverage of net charge-offs (x) | 3.0312% | 3,599 |
| Efficiency ratio | 26.9827% | 8,120 |
| Assets per employee ($millions) | 28.2066% | 56 |
| Cash dividends to net income (ytd only)* | 44.0055% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 7,510 |
| Loan loss allowance to noncurrent loans | 50.3792% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.3309% | 4,289 |
| Noncurrent loans to loans | 1.3164% | 4,581 |
| Net loans and leases to total assets | 97.3837% | 4 |
| Net loans and leases to deposits | 129.6526% | 124 |
| Net loans and leases to core deposits | 291.2319% | 43 |
| Total domestic deposits to total assets | 75.1112% | 6,743 |
| Equity capital to assets | 8.1952% | 6,496 |
| Core capital (leverage) ratio | 8.1088% | 6,147 |
| Tier 1 risk-based capital ratio | 10.5358% | 6,343 |
| Total risk-based capital ratio | 11.3813% | 6,718 |
| Memoranda: | ||
| Average total assets | $3,284,892,670 | 250 |
| Average earning assets | $3,203,856,670 | 235 |
| Average equity | $275,002,330 | 283 |
| Average total loans | $3,216,065,670 | 194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9881% | 2,408 |
| Cost of funding earning assets | 3.1040% | 454 |
| Net interest margin | 2.8841% | 6,788 |
| Noninterest income to average assets | 0.0242% | 7,958 |
| Noninterest expense to average assets | 0.7327% | 8,203 |
| Loan and lease loss provision to assets | 0.5589% | 2,244 |
| Net operating income to assets | 1.4974% | 943 |
| Return on assets (ROA) | 1.4974% | 1,012 |
| Pretax return on assets | 1.5449% | 1,544 |
| Return on Equity (ROE) | 17.6885% | 613 |
| Retained earnings to average equity (ytd only) | 12.9939% | 643 |
| Net charge-offs to loans | 0.2921% | 2,944 |
| Credit loss provision to net charge-offs | 195.5671% | 2,261 |
| Earnings coverage of net charge-offs (x) | 7.3620% | 2,357 |
| Efficiency ratio | 25.8319% | 8,167 |
| Assets per employee ($millions) | 27.7054% | 60 |
| Cash dividends to net income (ytd only)* | 26.5406% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 7,560 |
| Loan loss allowance to noncurrent loans | 54.2707% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2046% | 4,262 |
| Noncurrent loans to loans | 1.2069% | 4,559 |
| Net loans and leases to total assets | 97.2153% | 6 |
| Net loans and leases to deposits | 132.1463% | 132 |
| Net loans and leases to core deposits | 276.7421% | 44 |
| Total domestic deposits to total assets | 73.5665% | 6,956 |
| Equity capital to assets | 8.4757% | 6,113 |
| Core capital (leverage) ratio | 8.3862% | 5,738 |
| Tier 1 risk-based capital ratio | 10.8501% | 6,040 |
| Total risk-based capital ratio | 11.6802% | 6,372 |
| Memoranda: | ||
| Average total assets | $3,220,837,500 | 253 |
| Average earning assets | $3,140,638,500 | 242 |
| Average equity | $272,652,000 | 284 |
| Average total loans | $3,151,150,500 | 200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5184% | 2,871 |
| Cost of funding earning assets | 3.8621% | 161 |
| Net interest margin | 2.6563% | 7,565 |
| Noninterest income to average assets | 0.0266% | 7,999 |
| Noninterest expense to average assets | 0.6831% | 8,245 |
| Loan and lease loss provision to assets | 0.2738% | 4,205 |
| Net operating income to assets | 1.6034% | 833 |
| Return on assets (ROA) | 1.6034% | 795 |
| Pretax return on assets | 1.6549% | 1,247 |
| Return on Equity (ROE) | 18.6967% | 477 |
| Retained earnings to average equity (ytd only) | 10.0637% | 441 |
| Net charge-offs to loans | 0.2580% | 3,696 |
| Credit loss provision to net charge-offs | 108.6237% | 4,952 |
| Earnings coverage of net charge-offs (x) | 7.6507% | 3,054 |
| Efficiency ratio | 26.1530% | 8,245 |
| Assets per employee ($millions) | 28.5805% | 57 |
| Cash dividends to net income (ytd only)* | 46.1740% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 7,675 |
| Loan loss allowance to noncurrent loans | 70.8415% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 4,699 |
| Noncurrent loans to loans | 0.8532% | 4,917 |
| Net loans and leases to total assets | 97.2246% | 6 |
| Net loans and leases to deposits | 133.8934% | 163 |
| Net loans and leases to core deposits | 301.3497% | 46 |
| Total domestic deposits to total assets | 72.6134% | 6,900 |
| Equity capital to assets | 8.4544% | 6,165 |
| Core capital (leverage) ratio | 8.3628% | 5,831 |
| Tier 1 risk-based capital ratio | 10.8386% | 5,869 |
| Total risk-based capital ratio | 11.6056% | 6,231 |
| Memoranda: | ||
| Average total assets | $2,994,423,800 | 256 |
| Average earning assets | $2,914,262,200 | 245 |
| Average equity | $256,804,800 | 301 |
| Average total loans | $2,925,478,200 | 202 |