Home > Mizuho Bank (USA) > Performance and Condition Ratios
Mizuho Bank (USA), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 1,029 |
| Cost of funding earning assets | 2.8849% | 177 |
| Net interest margin | 2.7213% | 3,790 |
| Noninterest income to average assets | 6.8700% | 106 |
| Noninterest expense to average assets | 7.0498% | 144 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.4904% | 1,034 |
| Return on assets (ROA) | 1.4753% | 1,041 |
| Pretax return on assets | 2.1233% | 548 |
| Return on Equity (ROE) | 7.9400% | 3,037 |
| Retained earnings to average equity (ytd only) | -15.6331% | 4,502 |
| Net charge-offs to loans | 0.0059% | 2,482 |
| Credit loss provision to net charge-offs | -266.8269% | 4,515 |
| Earnings coverage of net charge-offs (x) | 721.5481% | 197 |
| Efficiency ratio | 76.2831% | 1,221 |
| Assets per employee ($millions) | 74.5289% | 26 |
| Cash dividends to net income (ytd only)* | 296.9680% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2845% | 4,429 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 36.7100% | 4,134 |
| Net loans and leases to deposits | 44.0568% | 4,104 |
| Net loans and leases to core deposits | 67.0472% | 3,450 |
| Total domestic deposits to total assets | 83.3200% | 2,801 |
| Equity capital to assets | 14.9478% | 557 |
| Core capital (leverage) ratio | 17.0203% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6770% | 563 |
| Memoranda: | ||
| Average total assets | $6,847,301,000 | 216 |
| Average earning assets | $5,955,050,800 | 225 |
| Average equity | $1,272,805,400 | 137 |
| Average total loans | $3,504,648,400 | 262 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6734% | 825 |
| Cost of funding earning assets | 2.9250% | 131 |
| Net interest margin | 2.7484% | 3,813 |
| Noninterest income to average assets | 7.0300% | 105 |
| Noninterest expense to average assets | 7.2433% | 140 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4979% | 1,131 |
| Return on assets (ROA) | 1.4885% | 1,128 |
| Pretax return on assets | 2.1232% | 624 |
| Return on Equity (ROE) | 7.5800% | 3,298 |
| Retained earnings to average equity (ytd only) | -23.0217% | 4,557 |
| Net charge-offs to loans | 0.0075% | 2,139 |
| Credit loss provision to net charge-offs | 185.0962% | 1,172 |
| Earnings coverage of net charge-offs (x) | 526.2067% | 296 |
| Efficiency ratio | 76.7713% | 1,108 |
| Assets per employee ($millions) | 65.0390% | 26 |
| Cash dividends to net income (ytd only)* | 403.5675% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3140% | 4,441 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 43.8800% | 3,919 |
| Net loans and leases to deposits | 54.3480% | 3,778 |
| Net loans and leases to core deposits | 108.8700% | 915 |
| Total domestic deposits to total assets | 80.7500% | 3,421 |
| Equity capital to assets | 17.2308% | 383 |
| Core capital (leverage) ratio | 15.8701% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3150% | 601 |
| Memoranda: | ||
| Average total assets | $6,658,638,250 | 221 |
| Average earning assets | $5,830,772,750 | 229 |
| Average equity | $1,306,926,500 | 137 |
| Average total loans | $3,681,163,250 | 259 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3197% | 1,055 |
| Cost of funding earning assets | 2.6606% | 138 |
| Net interest margin | 2.6591% | 4,025 |
| Noninterest income to average assets | 6.9800% | 101 |
| Noninterest expense to average assets | 7.2145% | 144 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.5064% | 1,088 |
| Return on assets (ROA) | 1.5083% | 1,086 |
| Pretax return on assets | 2.1853% | 548 |
| Return on Equity (ROE) | 7.4000% | 3,387 |
| Retained earnings to average equity (ytd only) | -36.3116% | 4,607 |
| Net charge-offs to loans | 0.0105% | 1,807 |
| Credit loss provision to net charge-offs | -277.8846% | 4,576 |
| Earnings coverage of net charge-offs (x) | 344.6731% | 406 |
| Efficiency ratio | 77.2066% | 1,070 |
| Assets per employee ($millions) | 62.0720% | 25 |
| Cash dividends to net income (ytd only)* | 590.9351% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2669% | 4,489 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.2700% | 3,668 |
| Net loans and leases to deposits | 59.9040% | 3,425 |
| Net loans and leases to core deposits | 123.5520% | 439 |
| Total domestic deposits to total assets | 80.5800% | 3,488 |
| Equity capital to assets | 17.6652% | 354 |
| Core capital (leverage) ratio | 17.5615% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4556% | 672 |
| Memoranda: | ||
| Average total assets | $6,731,898,667 | 215 |
| Average earning assets | $5,985,617,667 | 221 |
| Average equity | $1,372,747,333 | 127 |
| Average total loans | $3,963,366,667 | 234 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 1,032 |
| Cost of funding earning assets | 2.5492% | 88 |
| Net interest margin | 2.5936% | 4,214 |
| Noninterest income to average assets | 6.8400% | 109 |
| Noninterest expense to average assets | 7.2697% | 146 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 1.3907% | 1,433 |
| Return on assets (ROA) | 1.4091% | 1,357 |
| Pretax return on assets | 2.0215% | 745 |
| Return on Equity (ROE) | 6.5300% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.5283% | 2,634 |
| Net charge-offs to loans | 0.0008% | 2,034 |
| Credit loss provision to net charge-offs | -9,200.0000% | 4,687 |
| Earnings coverage of net charge-offs (x) | 3,723.1111% | 19 |
| Efficiency ratio | 79.2117% | 881 |
| Assets per employee ($millions) | 69.7769% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2127% | 4,561 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.4200% | 2,608 |
| Net loans and leases to deposits | 94.9423% | 726 |
| Net loans and leases to core deposits | 207.8229% | 31 |
| Total domestic deposits to total assets | 63.6400% | 4,516 |
| Equity capital to assets | 21.6171% | 199 |
| Core capital (leverage) ratio | 21.8909% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5125% | 331 |
| Memoranda: | ||
| Average total assets | $7,025,285,500 | 213 |
| Average earning assets | $6,340,524,500 | 211 |
| Average equity | $1,516,347,500 | 120 |
| Average total loans | $4,457,916,500 | 223 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1717% | 4,568 |
| Cost of funding earning assets | 0.6974% | 272 |
| Net interest margin | 1.4742% | 4,643 |
| Noninterest income to average assets | 6.1100% | 120 |
| Noninterest expense to average assets | 6.2518% | 158 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.8897% | 2,908 |
| Return on assets (ROA) | 0.8455% | 3,057 |
| Pretax return on assets | 1.1981% | 2,372 |
| Return on Equity (ROE) | 3.9900% | 4,150 |
| Retained earnings to average equity (ytd only) | 3.9857% | 3,448 |
| Net charge-offs to loans | 0.0918% | 673 |
| Credit loss provision to net charge-offs | -13.8926% | 4,613 |
| Earnings coverage of net charge-offs (x) | 17.1381% | 1,799 |
| Efficiency ratio | 83.4041% | 583 |
| Assets per employee ($millions) | 54.2018% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1190% | 4,632 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.8400% | 826 |
| Net loans and leases to deposits | 122.1795% | 47 |
| Net loans and leases to core deposits | 257.8591% | 19 |
| Total domestic deposits to total assets | 62.8100% | 4,612 |
| Equity capital to assets | 21.5497% | 187 |
| Core capital (leverage) ratio | 20.6061% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0813% | 635 |
| Memoranda: | ||
| Average total assets | $6,875,345,000 | 219 |
| Average earning assets | $6,449,113,250 | 208 |
| Average equity | $1,458,444,750 | 129 |
| Average total loans | $5,435,069,750 | 183 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5945% | 4,697 |
| Cost of funding earning assets | 0.4587% | 665 |
| Net interest margin | 1.1358% | 4,719 |
| Noninterest income to average assets | 6.1843% | 79 |
| Noninterest expense to average assets | 6.2126% | 121 |
| Loan and lease loss provision to assets | -0.0382% | 4,490 |
| Net operating income to assets | 0.7631% | 3,100 |
| Return on assets (ROA) | 0.7182% | 3,200 |
| Pretax return on assets | 1.0235% | 2,643 |
| Return on Equity (ROE) | 3.4040% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.4040% | 3,309 |
| Net charge-offs to loans | 0.1366% | 475 |
| Credit loss provision to net charge-offs | -35.1055% | 3,015 |
| Earnings coverage of net charge-offs (x) | 9.5659% | 1,783 |
| Efficiency ratio | 85.6371% | 595 |
| Assets per employee ($millions) | 54.4562% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0981% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 81.1505% | 334 |
| Net loans and leases to deposits | 134.3352% | 17 |
| Net loans and leases to core deposits | 257.3546% | 23 |
| Total domestic deposits to total assets | 60.3161% | 4,688 |
| Equity capital to assets | 21.1755% | 146 |
| Core capital (leverage) ratio | 20.0376% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0232% | 714 |
| Memoranda: | ||
| Average total assets | $6,872,583,000 | 215 |
| Average earning assets | $6,476,072,667 | 209 |
| Average equity | $1,450,126,333 | 131 |
| Average total loans | $5,481,539,000 | 176 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2898% | 4,745 |
| Cost of funding earning assets | 0.3916% | 915 |
| Net interest margin | 0.8982% | 4,760 |
| Noninterest income to average assets | 5.9730% | 85 |
| Noninterest expense to average assets | 6.0090% | 123 |
| Loan and lease loss provision to assets | 0.1272% | 648 |
| Net operating income to assets | 0.4698% | 3,790 |
| Return on assets (ROA) | 0.4166% | 3,887 |
| Pretax return on assets | 0.6214% | 3,574 |
| Return on Equity (ROE) | 1.9779% | 4,261 |
| Retained earnings to average equity (ytd only) | 1.9779% | 3,547 |
| Net charge-offs to loans | 0.2766% | 230 |
| Credit loss provision to net charge-offs | 58.2153% | 1,174 |
| Earnings coverage of net charge-offs (x) | 3.7336% | 1,653 |
| Efficiency ratio | 88.0445% | 635 |
| Assets per employee ($millions) | 53.1877% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1639% | 4,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.7164% | 320 |
| Net loans and leases to deposits | 129.1245% | 21 |
| Net loans and leases to core deposits | 263.7836% | 17 |
| Total domestic deposits to total assets | 60.7390% | 4,722 |
| Equity capital to assets | 20.7667% | 146 |
| Core capital (leverage) ratio | 19.7393% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6117% | 681 |
| Memoranda: | ||
| Average total assets | $6,850,905,500 | 219 |
| Average earning assets | $6,498,143,500 | 210 |
| Average equity | $1,442,948,000 | 138 |
| Average total loans | $5,413,394,500 | 177 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3059% | 4,762 |
| Cost of funding earning assets | 0.4536% | 1,176 |
| Net interest margin | 0.8524% | 4,790 |
| Noninterest income to average assets | 4.5179% | 120 |
| Noninterest expense to average assets | 4.5055% | 216 |
| Loan and lease loss provision to assets | 0.0155% | 2,770 |
| Net operating income to assets | 0.5989% | 3,879 |
| Return on assets (ROA) | 0.5912% | 3,939 |
| Pretax return on assets | 0.8028% | 3,723 |
| Return on Equity (ROE) | 2.9757% | 4,363 |
| Retained earnings to average equity (ytd only) | -1.7862% | 4,615 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4740% | 550 |
| Assets per employee ($millions) | 51.8017% | 36 |
| Cash dividends to net income (ytd only)* | 160.0256% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1981% | 4,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 79.0378% | 316 |
| Net loans and leases to deposits | 134.6446% | 18 |
| Net loans and leases to core deposits | 267.3916% | 19 |
| Total domestic deposits to total assets | 58.4173% | 4,773 |
| Equity capital to assets | 21.3679% | 138 |
| Core capital (leverage) ratio | 19.1723% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7960% | 677 |
| Memoranda: | ||
| Average total assets | $7,399,238,400 | 198 |
| Average earning assets | $7,080,259,200 | 190 |
| Average equity | $1,469,990,000 | 135 |
| Average total loans | $5,911,386,400 | 170 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2864% | 4,847 |
| Cost of funding earning assets | 0.4628% | 1,271 |
| Net interest margin | 0.8236% | 4,874 |
| Noninterest income to average assets | 4.2570% | 128 |
| Noninterest expense to average assets | 4.5159% | 212 |
| Loan and lease loss provision to assets | -0.0149% | 4,336 |
| Net operating income to assets | 0.4074% | 4,364 |
| Return on assets (ROA) | 0.4006% | 4,403 |
| Pretax return on assets | 0.5352% | 4,327 |
| Return on Equity (ROE) | 2.0509% | 4,587 |
| Retained earnings to average equity (ytd only) | 2.0509% | 4,175 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5156% | 334 |
| Assets per employee ($millions) | 57.1551% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1410% | 4,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 82.3484% | 172 |
| Net loans and leases to deposits | 154.9940% | 10 |
| Net loans and leases to core deposits | 297.5712% | 21 |
| Total domestic deposits to total assets | 52.7920% | 4,860 |
| Equity capital to assets | 20.1810% | 185 |
| Core capital (leverage) ratio | 19.3118% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2093% | 673 |
| Memoranda: | ||
| Average total assets | $7,565,492,000 | 194 |
| Average earning assets | $7,236,591,500 | 184 |
| Average equity | $1,477,747,750 | 136 |
| Average total loans | $6,055,945,500 | 167 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3108% | 4,880 |
| Cost of funding earning assets | 0.4767% | 1,350 |
| Net interest margin | 0.8341% | 4,916 |
| Noninterest income to average assets | 4.0857% | 137 |
| Noninterest expense to average assets | 4.3082% | 239 |
| Loan and lease loss provision to assets | -0.0489% | 4,516 |
| Net operating income to assets | 0.4583% | 4,289 |
| Return on assets (ROA) | 0.4506% | 4,343 |
| Pretax return on assets | 0.6130% | 4,209 |
| Return on Equity (ROE) | 2.3317% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.3317% | 4,041 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2459% | 392 |
| Assets per employee ($millions) | 60.4242% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1246% | 4,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 77.0696% | 503 |
| Net loans and leases to deposits | 138.8242% | 24 |
| Net loans and leases to core deposits | 280.6662% | 21 |
| Total domestic deposits to total assets | 55.1393% | 4,888 |
| Equity capital to assets | 18.8718% | 231 |
| Core capital (leverage) ratio | 18.6510% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9865% | 708 |
| Memoranda: | ||
| Average total assets | $7,629,652,333 | 192 |
| Average earning assets | $7,283,929,000 | 182 |
| Average equity | $1,474,348,000 | 135 |
| Average total loans | $6,047,885,333 | 168 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3155% | 4,917 |
| Cost of funding earning assets | 0.5070% | 1,349 |
| Net interest margin | 0.8085% | 4,942 |
| Noninterest income to average assets | 4.1633% | 139 |
| Noninterest expense to average assets | 4.3102% | 231 |
| Loan and lease loss provision to assets | -0.1513% | 4,778 |
| Net operating income to assets | 0.5618% | 4,038 |
| Return on assets (ROA) | 0.5431% | 4,129 |
| Pretax return on assets | 0.7545% | 3,902 |
| Return on Equity (ROE) | 2.7765% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.7765% | 3,843 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3041% | 469 |
| Assets per employee ($millions) | 56.2715% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1049% | 4,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 81.7698% | 238 |
| Net loans and leases to deposits | 147.1188% | 22 |
| Net loans and leases to core deposits | 339.1859% | 17 |
| Total domestic deposits to total assets | 53.6621% | 4,915 |
| Equity capital to assets | 19.2792% | 209 |
| Core capital (leverage) ratio | 19.2230% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8662% | 594 |
| Memoranda: | ||
| Average total assets | $7,516,903,500 | 191 |
| Average earning assets | $7,193,162,000 | 182 |
| Average equity | $1,470,319,000 | 136 |
| Average total loans | $6,041,086,000 | 170 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7145% | 4,935 |
| Cost of funding earning assets | 0.8857% | 895 |
| Net interest margin | 0.8288% | 4,970 |
| Noninterest income to average assets | 3.5945% | 155 |
| Noninterest expense to average assets | 4.0305% | 374 |
| Loan and lease loss provision to assets | 0.0858% | 3,296 |
| Net operating income to assets | 0.1766% | 4,604 |
| Return on assets (ROA) | 0.1826% | 4,650 |
| Pretax return on assets | 0.2775% | 4,576 |
| Return on Equity (ROE) | 0.9509% | 4,681 |
| Retained earnings to average equity (ytd only) | 0.9509% | 4,242 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8900% | 317 |
| Assets per employee ($millions) | 53.5117% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1413% | 4,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.6717% | 534 |
| Net loans and leases to deposits | 146.3227% | 22 |
| Net loans and leases to core deposits | 306.5704% | 20 |
| Total domestic deposits to total assets | 48.2898% | 4,949 |
| Equity capital to assets | 19.8623% | 205 |
| Core capital (leverage) ratio | 18.4596% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7089% | 456 |
| Memoranda: | ||
| Average total assets | $7,607,320,800 | 181 |
| Average earning assets | $7,266,740,400 | 172 |
| Average equity | $1,460,779,000 | 133 |
| Average total loans | $6,128,918,400 | 165 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8172% | 4,979 |
| Cost of funding earning assets | 0.9513% | 904 |
| Net interest margin | 0.8659% | 5,014 |
| Noninterest income to average assets | 3.4929% | 153 |
| Noninterest expense to average assets | 3.9704% | 385 |
| Loan and lease loss provision to assets | 0.0793% | 3,323 |
| Net operating income to assets | 0.1698% | 4,633 |
| Return on assets (ROA) | 0.1785% | 4,662 |
| Pretax return on assets | 0.2814% | 4,561 |
| Return on Equity (ROE) | 0.9372% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.9372% | 4,274 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9030% | 315 |
| Assets per employee ($millions) | 57.2720% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0961% | 4,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.6572% | 462 |
| Net loans and leases to deposits | 145.3720% | 29 |
| Net loans and leases to core deposits | 405.7831% | 15 |
| Total domestic deposits to total assets | 49.3003% | 4,977 |
| Equity capital to assets | 18.3638% | 281 |
| Core capital (leverage) ratio | 17.7506% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6978% | 606 |
| Memoranda: | ||
| Average total assets | $7,662,998,000 | 179 |
| Average earning assets | $7,321,738,500 | 169 |
| Average equity | $1,459,285,750 | 132 |
| Average total loans | $6,206,693,250 | 163 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0708% | 5,013 |
| Cost of funding earning assets | 1.0663% | 800 |
| Net interest margin | 1.0045% | 5,050 |
| Noninterest income to average assets | 3.3867% | 143 |
| Noninterest expense to average assets | 3.9326% | 441 |
| Loan and lease loss provision to assets | -0.0074% | 5,001 |
| Net operating income to assets | 0.2794% | 4,456 |
| Return on assets (ROA) | 0.2921% | 4,470 |
| Pretax return on assets | 0.4374% | 4,358 |
| Return on Equity (ROE) | 1.5151% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.5151% | 3,929 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4779% | 377 |
| Assets per employee ($millions) | 55.9461% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0221% | 5,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 80.8766% | 511 |
| Net loans and leases to deposits | 133.5836% | 43 |
| Net loans and leases to core deposits | 413.4665% | 16 |
| Total domestic deposits to total assets | 53.5505% | 4,995 |
| Equity capital to assets | 18.5416% | 262 |
| Core capital (leverage) ratio | 17.1938% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1895% | 651 |
| Memoranda: | ||
| Average total assets | $7,563,726,667 | 177 |
| Average earning assets | $7,226,371,000 | 170 |
| Average equity | $1,458,412,333 | 134 |
| Average total loans | $6,106,648,667 | 164 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4872% | 5,049 |
| Cost of funding earning assets | 1.2497% | 654 |
| Net interest margin | 1.2375% | 5,095 |
| Noninterest income to average assets | 3.6401% | 124 |
| Noninterest expense to average assets | 4.1694% | 423 |
| Loan and lease loss provision to assets | 0.0202% | 3,543 |
| Net operating income to assets | 0.4295% | 4,071 |
| Return on assets (ROA) | 0.4465% | 4,079 |
| Pretax return on assets | 0.6532% | 3,802 |
| Return on Equity (ROE) | 2.2690% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.2690% | 3,345 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4792% | 668 |
| Assets per employee ($millions) | 57.9440% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0323% | 5,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.7474% | 870 |
| Net loans and leases to deposits | 120.7787% | 72 |
| Net loans and leases to core deposits | 300.5108% | 18 |
| Total domestic deposits to total assets | 58.0947% | 5,036 |
| Equity capital to assets | 17.9970% | 355 |
| Core capital (leverage) ratio | 19.0769% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4546% | 810 |
| Memoranda: | ||
| Average total assets | $7,401,391,500 | 175 |
| Average earning assets | $7,064,637,500 | 170 |
| Average equity | $1,456,299,500 | 135 |
| Average total loans | $5,969,334,500 | 164 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1911% | 4,999 |
| Cost of funding earning assets | 1.4686% | 435 |
| Net interest margin | 1.7225% | 5,123 |
| Noninterest income to average assets | 4.2990% | 107 |
| Noninterest expense to average assets | 4.8964% | 233 |
| Loan and lease loss provision to assets | -0.2667% | 5,141 |
| Net operating income to assets | 0.9139% | 3,155 |
| Return on assets (ROA) | 0.9231% | 3,189 |
| Pretax return on assets | 1.2909% | 2,532 |
| Return on Equity (ROE) | 4.0284% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.0284% | 2,948 |
| Net charge-offs to loans | 0.1250% | 1,514 |
| Credit loss provision to net charge-offs | -260.0346% | 4,333 |
| Earnings coverage of net charge-offs (x) | 9.8705% | 2,624 |
| Efficiency ratio | 82.8652% | 740 |
| Assets per employee ($millions) | 35.8357% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0261% | 5,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.7760% | 454 |
| Net loans and leases to deposits | 136.7670% | 28 |
| Net loans and leases to core deposits | 402.4552% | 15 |
| Total domestic deposits to total assets | 51.4363% | 5,125 |
| Equity capital to assets | 21.6742% | 190 |
| Core capital (leverage) ratio | 23.4253% | 148 |
| Tier 1 risk-based capital ratio | 21.8750% | 1,042 |
| Total risk-based capital ratio | 21.9093% | 1,190 |
| Memoranda: | ||
| Average total assets | $6,203,251,600 | 192 |
| Average earning assets | $5,797,505,000 | 187 |
| Average equity | $1,421,522,200 | 134 |
| Average total loans | $5,089,609,200 | 172 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 5,036 |
| Cost of funding earning assets | 1.5591% | 341 |
| Net interest margin | 1.8139% | 5,200 |
| Noninterest income to average assets | 4.2645% | 110 |
| Noninterest expense to average assets | 4.9516% | 218 |
| Loan and lease loss provision to assets | -0.3636% | 5,234 |
| Net operating income to assets | 0.9745% | 3,075 |
| Return on assets (ROA) | 0.9891% | 3,096 |
| Pretax return on assets | 1.3807% | 2,383 |
| Return on Equity (ROE) | 4.2529% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.2529% | 3,270 |
| Net charge-offs to loans | 0.1739% | 975 |
| Credit loss provision to net charge-offs | -255.5110% | 4,206 |
| Earnings coverage of net charge-offs (x) | 7.0188% | 2,784 |
| Efficiency ratio | 83.2163% | 671 |
| Assets per employee ($millions) | 32.1294% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0256% | 5,199 |
| Loan loss allowance to noncurrent loans | 1.0858% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.9641% | 453 |
| Noncurrent loans to loans | 2.3607% | 517 |
| Net loans and leases to total assets | 83.1777% | 430 |
| Net loans and leases to deposits | 137.3073% | 26 |
| Net loans and leases to core deposits | 345.1864% | 15 |
| Total domestic deposits to total assets | 49.8783% | 5,202 |
| Equity capital to assets | 23.7144% | 144 |
| Core capital (leverage) ratio | 22.9208% | 158 |
| Tier 1 risk-based capital ratio | 23.1276% | 934 |
| Total risk-based capital ratio | 23.1590% | 1,056 |
| Memoranda: | ||
| Average total assets | $6,078,746,500 | 198 |
| Average earning assets | $5,649,089,750 | 193 |
| Average equity | $1,413,791,750 | 134 |
| Average total loans | $4,974,887,500 | 178 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 5,042 |
| Cost of funding earning assets | 1.5714% | 301 |
| Net interest margin | 1.8804% | 5,252 |
| Noninterest income to average assets | 4.0756% | 116 |
| Noninterest expense to average assets | 4.9631% | 222 |
| Loan and lease loss provision to assets | -0.2801% | 5,268 |
| Net operating income to assets | 0.7972% | 3,664 |
| Return on assets (ROA) | 0.8142% | 3,661 |
| Pretax return on assets | 1.1559% | 3,056 |
| Return on Equity (ROE) | 3.5237% | 4,682 |
| Retained earnings to average equity (ytd only) | 3.5237% | 3,483 |
| Net charge-offs to loans | 0.2076% | 796 |
| Credit loss provision to net charge-offs | -165.7777% | 3,962 |
| Earnings coverage of net charge-offs (x) | 5.0559% | 2,691 |
| Efficiency ratio | 85.3159% | 579 |
| Assets per employee ($millions) | 32.9705% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2172% | 5,211 |
| Loan loss allowance to noncurrent loans | 7.9468% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.1389% | 408 |
| Noncurrent loans to loans | 2.7333% | 391 |
| Net loans and leases to total assets | 78.0852% | 1,205 |
| Net loans and leases to deposits | 124.6205% | 61 |
| Net loans and leases to core deposits | 334.6926% | 18 |
| Total domestic deposits to total assets | 51.4600% | 5,248 |
| Equity capital to assets | 22.5479% | 167 |
| Core capital (leverage) ratio | 23.0187% | 150 |
| Tier 1 risk-based capital ratio | 23.8252% | 865 |
| Total risk-based capital ratio | 24.0172% | 945 |
| Memoranda: | ||
| Average total assets | $6,080,846,000 | 199 |
| Average earning assets | $5,632,540,000 | 192 |
| Average equity | $1,405,040,330 | 135 |
| Average total loans | $4,949,110,670 | 179 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 5,036 |
| Cost of funding earning assets | 1.5590% | 263 |
| Net interest margin | 1.9553% | 5,315 |
| Noninterest income to average assets | 3.4003% | 124 |
| Noninterest expense to average assets | 4.4048% | 330 |
| Loan and lease loss provision to assets | 0.4783% | 226 |
| Net operating income to assets | 0.2201% | 4,995 |
| Return on assets (ROA) | 0.2361% | 4,985 |
| Pretax return on assets | 0.3337% | 4,921 |
| Return on Equity (ROE) | 1.0092% | 5,068 |
| Retained earnings to average equity (ytd only) | 1.0092% | 4,305 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7672% | 656 |
| Assets per employee ($millions) | 32.3691% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 4,882 |
| Loan loss allowance to noncurrent loans | 22.5433% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.2838% | 375 |
| Noncurrent loans to loans | 2.7951% | 423 |
| Net loans and leases to total assets | 81.1927% | 686 |
| Net loans and leases to deposits | 128.4771% | 47 |
| Net loans and leases to core deposits | 298.6690% | 24 |
| Total domestic deposits to total assets | 53.1847% | 5,305 |
| Equity capital to assets | 22.8712% | 153 |
| Core capital (leverage) ratio | 22.6687% | 160 |
| Tier 1 risk-based capital ratio | 22.9488% | 941 |
| Total risk-based capital ratio | 23.4765% | 1,006 |
| Memoranda: | ||
| Average total assets | $5,972,583,000 | 200 |
| Average earning assets | $5,486,088,000 | 196 |
| Average equity | $1,397,598,500 | 136 |
| Average total loans | $4,959,657,000 | 178 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9931% | 5,234 |
| Cost of funding earning assets | 1.1168% | 465 |
| Net interest margin | 1.8762% | 5,346 |
| Noninterest income to average assets | 3.7355% | 115 |
| Noninterest expense to average assets | 4.6588% | 262 |
| Loan and lease loss provision to assets | -0.0168% | 5,126 |
| Net operating income to assets | 0.5403% | 4,565 |
| Return on assets (ROA) | 0.5330% | 4,586 |
| Pretax return on assets | 0.7860% | 4,208 |
| Return on Equity (ROE) | 2.2748% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.2748% | 4,244 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6829% | 549 |
| Assets per employee ($millions) | 15.3881% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0207% | 5,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.3540% | 384 |
| Net loans and leases to deposits | 135.8048% | 30 |
| Net loans and leases to core deposits | 299.6173% | 24 |
| Total domestic deposits to total assets | 51.0697% | 5,357 |
| Equity capital to assets | 23.7350% | 133 |
| Core capital (leverage) ratio | 24.9965% | 115 |
| Tier 1 risk-based capital ratio | 22.8909% | 931 |
| Total risk-based capital ratio | 23.5579% | 964 |
| Memoranda: | ||
| Average total assets | $5,868,527,400 | 197 |
| Average earning assets | $5,322,854,400 | 192 |
| Average equity | $1,374,929,800 | 134 |
| Average total loans | $4,365,044,400 | 188 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9162% | 5,321 |
| Cost of funding earning assets | 1.0914% | 416 |
| Net interest margin | 1.8248% | 5,424 |
| Noninterest income to average assets | 3.6606% | 127 |
| Noninterest expense to average assets | 3.9932% | 531 |
| Loan and lease loss provision to assets | -0.0233% | 5,246 |
| Net operating income to assets | 0.9199% | 3,433 |
| Return on assets (ROA) | 0.9060% | 3,504 |
| Pretax return on assets | 1.3202% | 2,543 |
| Return on Equity (ROE) | 3.8795% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.8795% | 3,838 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2322% | 1,433 |
| Assets per employee ($millions) | 14.4908% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0240% | 5,430 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,836 |
| Noncurrent loans to loans | 0.0400% | 4,718 |
| Net loans and leases to total assets | 74.1258% | 1,962 |
| Net loans and leases to deposits | 122.9189% | 81 |
| Net loans and leases to core deposits | 235.4414% | 32 |
| Total domestic deposits to total assets | 47.9757% | 5,429 |
| Equity capital to assets | 25.3049% | 109 |
| Core capital (leverage) ratio | 24.5632% | 116 |
| Tier 1 risk-based capital ratio | 27.0796% | 622 |
| Total risk-based capital ratio | 27.1157% | 677 |
| Memoranda: | ||
| Average total assets | $5,877,632,250 | 196 |
| Average earning assets | $5,305,643,500 | 192 |
| Average equity | $1,372,599,500 | 130 |
| Average total loans | $4,226,146,000 | 192 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7904% | 5,407 |
| Cost of funding earning assets | 1.0421% | 377 |
| Net interest margin | 1.7484% | 5,495 |
| Noninterest income to average assets | 3.3208% | 146 |
| Noninterest expense to average assets | 3.6414% | 831 |
| Loan and lease loss provision to assets | -0.0350% | 5,353 |
| Net operating income to assets | 0.8759% | 3,555 |
| Return on assets (ROA) | 0.8606% | 3,622 |
| Pretax return on assets | 1.2609% | 2,671 |
| Return on Equity (ROE) | 3.7818% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.7818% | 3,708 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5155% | 1,636 |
| Assets per employee ($millions) | 14.6376% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0221% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.2892% | 975 |
| Net loans and leases to deposits | 134.2937% | 29 |
| Net loans and leases to core deposits | 269.4478% | 26 |
| Total domestic deposits to total assets | 47.9707% | 5,495 |
| Equity capital to assets | 25.6035% | 105 |
| Core capital (leverage) ratio | 22.6157% | 143 |
| Tier 1 risk-based capital ratio | 25.4318% | 704 |
| Total risk-based capital ratio | 25.4704% | 788 |
| Memoranda: | ||
| Average total assets | $6,001,339,000 | 194 |
| Average earning assets | $5,374,962,330 | 189 |
| Average equity | $1,365,659,330 | 126 |
| Average total loans | $4,273,951,670 | 190 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5443% | 5,526 |
| Cost of funding earning assets | 0.9155% | 552 |
| Net interest margin | 1.6288% | 5,573 |
| Noninterest income to average assets | 4.5156% | 103 |
| Noninterest expense to average assets | 4.7268% | 257 |
| Loan and lease loss provision to assets | -0.0423% | 5,454 |
| Net operating income to assets | 0.9170% | 3,223 |
| Return on assets (ROA) | 0.8969% | 3,314 |
| Pretax return on assets | 1.2496% | 2,554 |
| Return on Equity (ROE) | 4.1639% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.1639% | 3,527 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3161% | 1,218 |
| Assets per employee ($millions) | 14.3285% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0311% | 5,552 |
| Loan loss allowance to noncurrent loans | 10.9746% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 4,051 |
| Noncurrent loans to loans | 0.2832% | 3,757 |
| Net loans and leases to total assets | 73.3690% | 1,970 |
| Net loans and leases to deposits | 117.8835% | 135 |
| Net loans and leases to core deposits | 232.7268% | 35 |
| Total domestic deposits to total assets | 51.9232% | 5,553 |
| Equity capital to assets | 23.2753% | 133 |
| Core capital (leverage) ratio | 21.2829% | 175 |
| Tier 1 risk-based capital ratio | 24.3353% | 812 |
| Total risk-based capital ratio | 24.3781% | 903 |
| Memoranda: | ||
| Average total assets | $6,308,688,000 | 188 |
| Average earning assets | $5,592,541,000 | 189 |
| Average equity | $1,358,903,500 | 127 |
| Average total loans | $4,248,004,000 | 190 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1824% | 5,599 |
| Cost of funding earning assets | 0.6979% | 1,034 |
| Net interest margin | 1.4845% | 5,615 |
| Noninterest income to average assets | 1.3311% | 594 |
| Noninterest expense to average assets | 1.8282% | 5,220 |
| Loan and lease loss provision to assets | -0.0240% | 5,338 |
| Net operating income to assets | 0.1535% | 5,191 |
| Return on assets (ROA) | 0.1535% | 5,198 |
| Pretax return on assets | 0.8657% | 4,030 |
| Return on Equity (ROE) | 0.7902% | 5,269 |
| Retained earnings to average equity (ytd only) | 0.7902% | 4,722 |
| Net charge-offs to loans | 0.0008% | 4,105 |
| Credit loss provision to net charge-offs | -4,407.8947% | 5,232 |
| Earnings coverage of net charge-offs (x) | 1,548.6579% | 43 |
| Efficiency ratio | 68.4730% | 2,799 |
| Assets per employee ($millions) | 11.4359% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0443% | 5,614 |
| Loan loss allowance to noncurrent loans | 14.9104% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 4,207 |
| Noncurrent loans to loans | 0.2973% | 3,715 |
| Net loans and leases to total assets | 61.9936% | 3,625 |
| Net loans and leases to deposits | 92.2095% | 1,491 |
| Net loans and leases to core deposits | 228.8367% | 34 |
| Total domestic deposits to total assets | 58.2295% | 5,595 |
| Equity capital to assets | 20.0480% | 206 |
| Core capital (leverage) ratio | 18.9832% | 234 |
| Tier 1 risk-based capital ratio | 24.1670% | 803 |
| Total risk-based capital ratio | 24.2200% | 897 |
| Memoranda: | ||
| Average total assets | $6,991,322,200 | 171 |
| Average earning assets | $6,305,370,400 | 170 |
| Average equity | $1,358,450,400 | 120 |
| Average total loans | $4,722,209,200 | 172 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2354% | 5,661 |
| Cost of funding earning assets | 0.7425% | 784 |
| Net interest margin | 1.4928% | 5,688 |
| Noninterest income to average assets | 0.7809% | 1,659 |
| Noninterest expense to average assets | 1.2814% | 5,625 |
| Loan and lease loss provision to assets | -0.0350% | 5,501 |
| Net operating income to assets | 0.6020% | 4,386 |
| Return on assets (ROA) | 0.6019% | 4,426 |
| Pretax return on assets | 0.8883% | 4,078 |
| Return on Equity (ROE) | 2.9795% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.9795% | 4,142 |
| Net charge-offs to loans | 0.0023% | 3,684 |
| Credit loss provision to net charge-offs | -2,042.6829% | 5,070 |
| Earnings coverage of net charge-offs (x) | 497.8442% | 205 |
| Efficiency ratio | 60.0272% | 4,211 |
| Assets per employee ($millions) | 11.7884% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0400% | 5,680 |
| Loan loss allowance to noncurrent loans | 14.4039% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,258 |
| Noncurrent loans to loans | 0.2779% | 3,954 |
| Net loans and leases to total assets | 74.0502% | 1,906 |
| Net loans and leases to deposits | 117.4277% | 132 |
| Net loans and leases to core deposits | 359.8609% | 19 |
| Total domestic deposits to total assets | 53.1533% | 5,682 |
| Equity capital to assets | 21.3207% | 177 |
| Core capital (leverage) ratio | 20.1715% | 204 |
| Tier 1 risk-based capital ratio | 21.5938% | 1,102 |
| Total risk-based capital ratio | 21.6431% | 1,267 |
| Memoranda: | ||
| Average total assets | $6,378,749,500 | 181 |
| Average earning assets | $5,784,776,750 | 178 |
| Average equity | $1,288,672,250 | 125 |
| Average total loans | $4,855,749,750 | 170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1400% | 5,719 |
| Cost of funding earning assets | 0.7046% | 874 |
| Net interest margin | 1.4354% | 5,741 |
| Noninterest income to average assets | 0.8790% | 1,335 |
| Noninterest expense to average assets | 1.3149% | 5,665 |
| Loan and lease loss provision to assets | -0.0508% | 5,604 |
| Net operating income to assets | 0.6738% | 3,962 |
| Return on assets (ROA) | 0.6737% | 4,023 |
| Pretax return on assets | 0.9313% | 3,822 |
| Return on Equity (ROE) | 3.3940% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.3940% | 3,694 |
| Net charge-offs to loans | 0.0033% | 3,374 |
| Credit loss provision to net charge-offs | -2,002.4390% | 4,961 |
| Earnings coverage of net charge-offs (x) | 347.3537% | 244 |
| Efficiency ratio | 59.8921% | 4,332 |
| Assets per employee ($millions) | 12.0939% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0400% | 5,726 |
| Loan loss allowance to noncurrent loans | 16.8556% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,457 |
| Noncurrent loans to loans | 0.2372% | 4,180 |
| Net loans and leases to total assets | 75.7778% | 1,574 |
| Net loans and leases to deposits | 120.2238% | 95 |
| Net loans and leases to core deposits | 454.6530% | 18 |
| Total domestic deposits to total assets | 52.4203% | 5,725 |
| Equity capital to assets | 21.2861% | 173 |
| Core capital (leverage) ratio | 19.5549% | 217 |
| Tier 1 risk-based capital ratio | 20.7009% | 1,244 |
| Total risk-based capital ratio | 20.7441% | 1,431 |
| Memoranda: | ||
| Average total assets | $6,469,536,670 | 179 |
| Average earning assets | $5,932,855,000 | 175 |
| Average equity | $1,284,255,670 | 123 |
| Average total loans | $4,966,465,000 | 168 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0145% | 5,796 |
| Cost of funding earning assets | 0.6848% | 905 |
| Net interest margin | 1.3297% | 5,817 |
| Noninterest income to average assets | 0.6615% | 2,132 |
| Noninterest expense to average assets | 1.0315% | 5,799 |
| Loan and lease loss provision to assets | -0.0809% | 5,740 |
| Net operating income to assets | 0.7253% | 3,593 |
| Return on assets (ROA) | 0.7253% | 3,643 |
| Pretax return on assets | 0.9421% | 3,618 |
| Return on Equity (ROE) | 3.7784% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.7784% | 3,558 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4993% | 5,088 |
| Assets per employee ($millions) | 13.6852% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0450% | 5,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.7419% | 1,299 |
| Net loans and leases to deposits | 119.6595% | 92 |
| Net loans and leases to core deposits | 547.4509% | 18 |
| Total domestic deposits to total assets | 53.7626% | 5,797 |
| Equity capital to assets | 19.9799% | 214 |
| Core capital (leverage) ratio | 17.8583% | 295 |
| Tier 1 risk-based capital ratio | 19.1669% | 1,573 |
| Total risk-based capital ratio | 19.2124% | 1,849 |
| Memoranda: | ||
| Average total assets | $6,662,683,500 | 177 |
| Average earning assets | $6,169,365,000 | 171 |
| Average equity | $1,278,941,500 | 122 |
| Average total loans | $5,143,901,000 | 165 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9031% | 5,849 |
| Cost of funding earning assets | 0.5630% | 1,586 |
| Net interest margin | 1.3401% | 5,862 |
| Noninterest income to average assets | 0.7367% | 2,006 |
| Noninterest expense to average assets | 1.0693% | 5,848 |
| Loan and lease loss provision to assets | 0.4902% | 284 |
| Net operating income to assets | 0.8151% | 3,236 |
| Return on assets (ROA) | 0.8148% | 3,345 |
| Pretax return on assets | 0.4483% | 5,126 |
| Return on Equity (ROE) | 4.2848% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.2848% | 2,857 |
| Net charge-offs to loans | 0.7192% | 297 |
| Credit loss provision to net charge-offs | 79.8063% | 2,979 |
| Earnings coverage of net charge-offs (x) | 1.5284% | 3,975 |
| Efficiency ratio | 53.2513% | 5,300 |
| Assets per employee ($millions) | 13.0508% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0623% | 5,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.9165% | 1,056 |
| Net loans and leases to deposits | 116.8808% | 122 |
| Net loans and leases to core deposits | 600.7748% | 16 |
| Total domestic deposits to total assets | 53.8472% | 5,855 |
| Equity capital to assets | 18.6471% | 266 |
| Core capital (leverage) ratio | 17.3216% | 334 |
| Tier 1 risk-based capital ratio | 17.2555% | 2,071 |
| Total risk-based capital ratio | 17.3147% | 2,458 |
| Memoranda: | ||
| Average total assets | $6,507,178,200 | 174 |
| Average earning assets | $6,173,372,800 | 162 |
| Average equity | $1,237,370,400 | 121 |
| Average total loans | $5,557,405,000 | 147 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8988% | 5,916 |
| Cost of funding earning assets | 0.5759% | 1,513 |
| Net interest margin | 1.3229% | 5,932 |
| Noninterest income to average assets | -0.1029% | 5,959 |
| Noninterest expense to average assets | 1.0842% | 5,912 |
| Loan and lease loss provision to assets | -0.1535% | 5,843 |
| Net operating income to assets | 0.1279% | 5,587 |
| Return on assets (ROA) | 0.1277% | 5,643 |
| Pretax return on assets | 0.2230% | 5,541 |
| Return on Equity (ROE) | 0.6680% | 5,685 |
| Retained earnings to average equity (ytd only) | 0.6680% | 5,185 |
| Net charge-offs to loans | -0.0034% | 4,551 |
| Credit loss provision to net charge-offs | 5,137.5000% | 104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9482% | 394 |
| Assets per employee ($millions) | 12.6439% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0715% | 5,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.6123% | 278 |
| Net loans and leases to deposits | 124.1504% | 78 |
| Net loans and leases to core deposits | 549.1292% | 16 |
| Total domestic deposits to total assets | 55.8468% | 5,916 |
| Equity capital to assets | 17.9821% | 347 |
| Core capital (leverage) ratio | 16.3581% | 431 |
| Tier 1 risk-based capital ratio | 15.9535% | 2,644 |
| Total risk-based capital ratio | 16.0225% | 3,096 |
| Memoranda: | ||
| Average total assets | $6,427,584,250 | 176 |
| Average earning assets | $6,107,699,500 | 166 |
| Average equity | $1,228,520,500 | 119 |
| Average total loans | $5,599,295,250 | 145 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8395% | 6,002 |
| Cost of funding earning assets | 0.5361% | 1,816 |
| Net interest margin | 1.3034% | 6,013 |
| Noninterest income to average assets | 0.6113% | 2,563 |
| Noninterest expense to average assets | 1.0430% | 5,997 |
| Loan and lease loss provision to assets | 0.0714% | 2,704 |
| Net operating income to assets | 0.7163% | 3,714 |
| Return on assets (ROA) | 0.7158% | 3,871 |
| Pretax return on assets | 0.7315% | 4,528 |
| Return on Equity (ROE) | 3.6668% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.6668% | 3,558 |
| Net charge-offs to loans | -0.0052% | 4,533 |
| Credit loss provision to net charge-offs | -1,562.5000% | 5,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4832% | 5,088 |
| Assets per employee ($millions) | 12.4464% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2463% | 5,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 89.2547% | 90 |
| Net loans and leases to deposits | 117.7849% | 124 |
| Net loans and leases to core deposits | 659.2625% | 15 |
| Total domestic deposits to total assets | 60.0292% | 5,971 |
| Equity capital to assets | 19.7937% | 227 |
| Core capital (leverage) ratio | 17.7643% | 313 |
| Tier 1 risk-based capital ratio | 14.9433% | 3,100 |
| Total risk-based capital ratio | 15.1287% | 3,596 |
| Memoranda: | ||
| Average total assets | $6,298,433,670 | 178 |
| Average earning assets | $5,968,791,670 | 170 |
| Average equity | $1,229,531,330 | 118 |
| Average total loans | $5,519,499,330 | 145 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7274% | 6,072 |
| Cost of funding earning assets | 0.5206% | 1,940 |
| Net interest margin | 1.2068% | 6,084 |
| Noninterest income to average assets | 0.5108% | 3,043 |
| Noninterest expense to average assets | 1.0674% | 6,063 |
| Loan and lease loss provision to assets | 0.1354% | 1,553 |
| Net operating income to assets | 0.5391% | 4,470 |
| Return on assets (ROA) | 0.5382% | 4,580 |
| Pretax return on assets | 0.4552% | 5,203 |
| Return on Equity (ROE) | 2.7760% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.7760% | 4,128 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3414% | 4,064 |
| Assets per employee ($millions) | 15.1247% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2401% | 6,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 88.5014% | 95 |
| Net loans and leases to deposits | 136.0925% | 20 |
| Net loans and leases to core deposits | 779.6569% | 14 |
| Total domestic deposits to total assets | 50.3667% | 6,067 |
| Equity capital to assets | 19.2796% | 245 |
| Core capital (leverage) ratio | 18.8719% | 239 |
| Tier 1 risk-based capital ratio | 15.2151% | 3,052 |
| Total risk-based capital ratio | 15.4021% | 3,523 |
| Memoranda: | ||
| Average total assets | $6,311,170,000 | 176 |
| Average earning assets | $6,004,462,000 | 168 |
| Average equity | $1,223,471,000 | 117 |
| Average total loans | $5,472,882,000 | 145 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6973% | 6,116 |
| Cost of funding earning assets | 0.4367% | 2,768 |
| Net interest margin | 1.2606% | 6,129 |
| Noninterest income to average assets | 0.4715% | 3,521 |
| Noninterest expense to average assets | 0.9520% | 6,128 |
| Loan and lease loss provision to assets | 0.0434% | 3,456 |
| Net operating income to assets | 0.8212% | 3,241 |
| Return on assets (ROA) | 0.8204% | 3,325 |
| Pretax return on assets | 0.6767% | 4,594 |
| Return on Equity (ROE) | 4.0095% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.0095% | 3,171 |
| Net charge-offs to loans | -0.0017% | 4,862 |
| Credit loss provision to net charge-offs | -2,938.3721% | 5,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9080% | 5,261 |
| Assets per employee ($millions) | 15.1817% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0830% | 6,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.4089% | 356 |
| Net loans and leases to deposits | 135.5792% | 25 |
| Net loans and leases to core deposits | 302.1002% | 27 |
| Total domestic deposits to total assets | 44.7091% | 6,134 |
| Equity capital to assets | 19.4999% | 227 |
| Core capital (leverage) ratio | 19.4541% | 218 |
| Tier 1 risk-based capital ratio | 15.6743% | 2,850 |
| Total risk-based capital ratio | 15.7393% | 3,362 |
| Memoranda: | ||
| Average total assets | $5,816,581,800 | 176 |
| Average earning assets | $5,543,482,600 | 165 |
| Average equity | $1,190,154,000 | 117 |
| Average total loans | $4,979,192,400 | 150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6318% | 6,213 |
| Cost of funding earning assets | 0.4193% | 3,018 |
| Net interest margin | 1.2125% | 6,224 |
| Noninterest income to average assets | 0.4696% | 3,568 |
| Noninterest expense to average assets | 0.9245% | 6,220 |
| Loan and lease loss provision to assets | 0.0599% | 2,986 |
| Net operating income to assets | 0.3999% | 5,167 |
| Return on assets (ROA) | 0.3994% | 5,260 |
| Pretax return on assets | 0.6420% | 4,857 |
| Return on Equity (ROE) | 1.9271% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.9271% | 4,918 |
| Net charge-offs to loans | -0.0023% | 4,719 |
| Credit loss provision to net charge-offs | -2,977.9070% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8196% | 5,246 |
| Assets per employee ($millions) | 12.8292% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0911% | 6,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.9628% | 182 |
| Net loans and leases to deposits | 142.1311% | 19 |
| Net loans and leases to core deposits | 367.0073% | 21 |
| Total domestic deposits to total assets | 46.1394% | 6,219 |
| Equity capital to assets | 21.2993% | 179 |
| Core capital (leverage) ratio | 20.2487% | 199 |
| Tier 1 risk-based capital ratio | 16.4557% | 2,600 |
| Total risk-based capital ratio | 16.5265% | 3,090 |
| Memoranda: | ||
| Average total assets | $5,703,212,750 | 178 |
| Average earning assets | $5,444,437,500 | 169 |
| Average equity | $1,182,028,250 | 120 |
| Average total loans | $4,899,769,000 | 153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5770% | 6,295 |
| Cost of funding earning assets | 0.3969% | 3,310 |
| Net interest margin | 1.1802% | 6,301 |
| Noninterest income to average assets | 0.3530% | 4,435 |
| Noninterest expense to average assets | 0.8667% | 6,303 |
| Loan and lease loss provision to assets | 0.0169% | 3,788 |
| Net operating income to assets | 0.3730% | 5,228 |
| Return on assets (ROA) | 0.3724% | 5,344 |
| Pretax return on assets | 0.5954% | 4,987 |
| Return on Equity (ROE) | 1.8130% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.8130% | 4,790 |
| Net charge-offs to loans | -0.0035% | 4,660 |
| Credit loss provision to net charge-offs | -563.9535% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5629% | 5,161 |
| Assets per employee ($millions) | 12.6764% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0480% | 6,281 |
| Loan loss allowance to noncurrent loans | 6,043.5897% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,924 |
| Noncurrent loans to loans | 0.0008% | 5,782 |
| Net loans and leases to total assets | 88.0656% | 138 |
| Net loans and leases to deposits | 153.5690% | 12 |
| Net loans and leases to core deposits | 384.2495% | 24 |
| Total domestic deposits to total assets | 39.9945% | 6,300 |
| Equity capital to assets | 21.2437% | 172 |
| Core capital (leverage) ratio | 20.3253% | 188 |
| Tier 1 risk-based capital ratio | 17.4446% | 2,235 |
| Total risk-based capital ratio | 17.4871% | 2,692 |
| Memoranda: | ||
| Average total assets | $5,739,767,670 | 176 |
| Average earning assets | $5,480,997,000 | 166 |
| Average equity | $1,178,909,670 | 120 |
| Average total loans | $4,910,113,000 | 151 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5426% | 6,363 |
| Cost of funding earning assets | 0.3832% | 3,492 |
| Net interest margin | 1.1594% | 6,377 |
| Noninterest income to average assets | 0.2719% | 5,004 |
| Noninterest expense to average assets | 0.9718% | 6,368 |
| Loan and lease loss provision to assets | 0.0047% | 3,646 |
| Net operating income to assets | 0.2602% | 5,534 |
| Return on assets (ROA) | 0.2592% | 5,632 |
| Pretax return on assets | 0.4043% | 5,427 |
| Return on Equity (ROE) | 1.2831% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.2831% | 4,970 |
| Net charge-offs to loans | -0.0069% | 4,591 |
| Credit loss provision to net charge-offs | -81.1765% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2953% | 3,429 |
| Assets per employee ($millions) | 16.2064% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0388% | 6,355 |
| Loan loss allowance to noncurrent loans | 4,974.3590% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,979 |
| Noncurrent loans to loans | 0.0008% | 5,824 |
| Net loans and leases to total assets | 87.5030% | 127 |
| Net loans and leases to deposits | 145.9045% | 18 |
| Net loans and leases to core deposits | 372.4188% | 25 |
| Total domestic deposits to total assets | 41.9856% | 6,369 |
| Equity capital to assets | 20.6445% | 199 |
| Core capital (leverage) ratio | 20.2721% | 196 |
| Tier 1 risk-based capital ratio | 16.9587% | 2,489 |
| Total risk-based capital ratio | 16.9951% | 2,977 |
| Memoranda: | ||
| Average total assets | $5,820,844,000 | 174 |
| Average earning assets | $5,575,728,000 | 163 |
| Average equity | $1,175,918,500 | 119 |
| Average total loans | $4,908,012,000 | 151 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7002% | 6,439 |
| Cost of funding earning assets | 0.3562% | 4,186 |
| Net interest margin | 1.3440% | 6,444 |
| Noninterest income to average assets | 0.4721% | 3,694 |
| Noninterest expense to average assets | 0.8719% | 6,462 |
| Loan and lease loss provision to assets | -0.0371% | 5,993 |
| Net operating income to assets | 1.0694% | 2,090 |
| Return on assets (ROA) | 1.0690% | 2,144 |
| Pretax return on assets | 0.9247% | 3,803 |
| Return on Equity (ROE) | 5.0350% | 4,643 |
| Retained earnings to average equity (ytd only) | 5.0350% | 2,578 |
| Net charge-offs to loans | -0.0059% | 5,484 |
| Credit loss provision to net charge-offs | 738.2900% | 366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5415% | 6,115 |
| Assets per employee ($millions) | 17.0187% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0387% | 6,444 |
| Loan loss allowance to noncurrent loans | 4,579.4872% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,107 |
| Noncurrent loans to loans | 0.0008% | 5,942 |
| Net loans and leases to total assets | 80.4438% | 680 |
| Net loans and leases to deposits | 120.9137% | 92 |
| Net loans and leases to core deposits | 280.4224% | 33 |
| Total domestic deposits to total assets | 47.3603% | 6,451 |
| Equity capital to assets | 20.4861% | 208 |
| Core capital (leverage) ratio | 19.9129% | 214 |
| Tier 1 risk-based capital ratio | 16.3496% | 2,789 |
| Total risk-based capital ratio | 16.3814% | 3,370 |
| Memoranda: | ||
| Average total assets | $5,353,521,000 | 178 |
| Average earning assets | $5,129,980,800 | 168 |
| Average equity | $1,136,646,600 | 119 |
| Average total loans | $4,540,994,000 | 154 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6626% | 6,522 |
| Cost of funding earning assets | 0.2694% | 5,208 |
| Net interest margin | 1.3933% | 6,525 |
| Noninterest income to average assets | 0.5133% | 3,455 |
| Noninterest expense to average assets | 0.8776% | 6,543 |
| Loan and lease loss provision to assets | -0.0355% | 6,137 |
| Net operating income to assets | 0.5740% | 4,574 |
| Return on assets (ROA) | 0.5737% | 4,653 |
| Pretax return on assets | 1.0063% | 3,568 |
| Return on Equity (ROE) | 2.6764% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.6764% | 4,691 |
| Net charge-offs to loans | -0.0075% | 5,368 |
| Credit loss provision to net charge-offs | 551.5748% | 526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4689% | 6,227 |
| Assets per employee ($millions) | 15.1791% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0531% | 6,524 |
| Loan loss allowance to noncurrent loans | 6,041.0256% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,215 |
| Noncurrent loans to loans | 0.0009% | 6,055 |
| Net loans and leases to total assets | 86.7053% | 162 |
| Net loans and leases to deposits | 132.8994% | 30 |
| Net loans and leases to core deposits | 474.1752% | 21 |
| Total domestic deposits to total assets | 44.0702% | 6,536 |
| Equity capital to assets | 22.3072% | 149 |
| Core capital (leverage) ratio | 20.8670% | 176 |
| Tier 1 risk-based capital ratio | 16.5805% | 2,782 |
| Total risk-based capital ratio | 16.6260% | 3,322 |
| Memoranda: | ||
| Average total assets | $5,258,074,500 | 178 |
| Average earning assets | $5,040,187,250 | 167 |
| Average equity | $1,127,072,500 | 119 |
| Average total loans | $4,522,371,500 | 152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6574% | 6,593 |
| Cost of funding earning assets | 0.2736% | 5,251 |
| Net interest margin | 1.3839% | 6,592 |
| Noninterest income to average assets | 0.3629% | 4,523 |
| Noninterest expense to average assets | 0.8907% | 6,610 |
| Loan and lease loss provision to assets | -0.0293% | 6,261 |
| Net operating income to assets | 0.4664% | 4,946 |
| Return on assets (ROA) | 0.4660% | 5,022 |
| Pretax return on assets | 0.8287% | 4,159 |
| Return on Equity (ROE) | 2.2030% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.2030% | 4,790 |
| Net charge-offs to loans | -0.0108% | 5,345 |
| Credit loss provision to net charge-offs | 315.8537% | 820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6844% | 6,017 |
| Assets per employee ($millions) | 17.2739% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0671% | 6,590 |
| Loan loss allowance to noncurrent loans | 7,620.5128% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,285 |
| Noncurrent loans to loans | 0.0009% | 6,115 |
| Net loans and leases to total assets | 81.5652% | 515 |
| Net loans and leases to deposits | 109.1965% | 224 |
| Net loans and leases to core deposits | 438.9633% | 23 |
| Total domestic deposits to total assets | 56.3152% | 6,580 |
| Equity capital to assets | 20.8401% | 182 |
| Core capital (leverage) ratio | 19.3032% | 228 |
| Tier 1 risk-based capital ratio | 15.7162% | 3,236 |
| Total risk-based capital ratio | 15.7696% | 3,857 |
| Memoranda: | ||
| Average total assets | $5,305,644,670 | 178 |
| Average earning assets | $5,090,723,330 | 166 |
| Average equity | $1,122,398,000 | 117 |
| Average total loans | $4,550,612,330 | 150 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6945% | 6,667 |
| Cost of funding earning assets | 0.2817% | 5,260 |
| Net interest margin | 1.4128% | 6,667 |
| Noninterest income to average assets | 0.2707% | 5,202 |
| Noninterest expense to average assets | 0.9702% | 6,680 |
| Loan and lease loss provision to assets | -0.0396% | 6,445 |
| Net operating income to assets | 0.3422% | 5,346 |
| Return on assets (ROA) | 0.3422% | 5,405 |
| Pretax return on assets | 0.6975% | 4,496 |
| Return on Equity (ROE) | 1.6051% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.6051% | 4,968 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5879% | 5,457 |
| Assets per employee ($millions) | 18.1837% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0635% | 6,662 |
| Loan loss allowance to noncurrent loans | 7,648.7179% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,355 |
| Noncurrent loans to loans | 0.0008% | 6,202 |
| Net loans and leases to total assets | 89.0827% | 60 |
| Net loans and leases to deposits | 120.8048% | 70 |
| Net loans and leases to core deposits | 593.3666% | 21 |
| Total domestic deposits to total assets | 53.7355% | 6,660 |
| Equity capital to assets | 21.2200% | 165 |
| Core capital (leverage) ratio | 19.5408% | 225 |
| Tier 1 risk-based capital ratio | 14.9431% | 3,742 |
| Total risk-based capital ratio | 14.9937% | 4,461 |
| Memoranda: | ||
| Average total assets | $5,246,470,000 | 178 |
| Average earning assets | $5,040,638,000 | 168 |
| Average equity | $1,118,414,500 | 118 |
| Average total loans | $4,612,386,500 | 147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7140% | 6,735 |
| Cost of funding earning assets | 0.3006% | 5,591 |
| Net interest margin | 1.4134% | 6,728 |
| Noninterest income to average assets | 0.5200% | 3,635 |
| Noninterest expense to average assets | 0.9689% | 6,753 |
| Loan and lease loss provision to assets | -0.0120% | 6,277 |
| Net operating income to assets | 0.7217% | 3,693 |
| Return on assets (ROA) | 0.7194% | 3,789 |
| Pretax return on assets | 0.9126% | 3,712 |
| Return on Equity (ROE) | 2.9325% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.9325% | 4,159 |
| Net charge-offs to loans | -0.0000% | 5,816 |
| Credit loss provision to net charge-offs | 54,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7435% | 6,311 |
| Assets per employee ($millions) | 18.6417% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0774% | 6,732 |
| Loan loss allowance to noncurrent loans | 8,982.0513% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 6,459 |
| Noncurrent loans to loans | 0.0009% | 6,316 |
| Net loans and leases to total assets | 86.6092% | 127 |
| Net loans and leases to deposits | 132.3349% | 31 |
| Net loans and leases to core deposits | 767.4989% | 17 |
| Total domestic deposits to total assets | 44.3948% | 6,755 |
| Equity capital to assets | 21.4160% | 157 |
| Core capital (leverage) ratio | 21.4129% | 147 |
| Tier 1 risk-based capital ratio | 14.9506% | 3,697 |
| Total risk-based capital ratio | 15.0099% | 4,419 |
| Memoranda: | ||
| Average total assets | $4,491,969,800 | 193 |
| Average earning assets | $4,298,389,400 | 178 |
| Average equity | $1,101,886,400 | 117 |
| Average total loans | $3,756,641,200 | 168 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7160% | 6,816 |
| Cost of funding earning assets | 0.3061% | 5,681 |
| Net interest margin | 1.4099% | 6,814 |
| Noninterest income to average assets | 0.4349% | 4,269 |
| Noninterest expense to average assets | 0.9966% | 6,831 |
| Loan and lease loss provision to assets | -0.0024% | 6,451 |
| Net operating income to assets | 0.4342% | 5,094 |
| Return on assets (ROA) | 0.4318% | 5,252 |
| Pretax return on assets | 0.7833% | 4,359 |
| Return on Equity (ROE) | 1.6953% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.6953% | 5,292 |
| Net charge-offs to loans | -0.0000% | 5,646 |
| Credit loss provision to net charge-offs | 7,800.0000% | 36 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9492% | 5,908 |
| Assets per employee ($millions) | 18.1900% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0948% | 6,816 |
| Loan loss allowance to noncurrent loans | 10,166.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,540 |
| Noncurrent loans to loans | 0.0009% | 6,402 |
| Net loans and leases to total assets | 87.0504% | 109 |
| Net loans and leases to deposits | 130.8240% | 34 |
| Net loans and leases to core deposits | 1,075.9813% | 19 |
| Total domestic deposits to total assets | 42.4008% | 6,836 |
| Equity capital to assets | 23.0184% | 121 |
| Core capital (leverage) ratio | 23.9649% | 101 |
| Tier 1 risk-based capital ratio | 14.8209% | 3,864 |
| Total risk-based capital ratio | 14.8859% | 4,624 |
| Memoranda: | ||
| Average total assets | $4,310,042,500 | 194 |
| Average earning assets | $4,115,669,000 | 182 |
| Average equity | $1,097,896,750 | 115 |
| Average total loans | $3,564,745,250 | 169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7376% | 6,863 |
| Cost of funding earning assets | 0.3125% | 5,736 |
| Net interest margin | 1.4251% | 6,860 |
| Noninterest income to average assets | 0.3661% | 4,778 |
| Noninterest expense to average assets | 1.0328% | 6,876 |
| Loan and lease loss provision to assets | -0.0059% | 6,573 |
| Net operating income to assets | 0.3831% | 5,275 |
| Return on assets (ROA) | 0.3798% | 5,462 |
| Pretax return on assets | 0.6917% | 4,706 |
| Return on Equity (ROE) | 1.4376% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.4376% | 5,300 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9166% | 5,498 |
| Assets per employee ($millions) | 15.3279% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1041% | 6,862 |
| Loan loss allowance to noncurrent loans | 10,048.7179% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,595 |
| Noncurrent loans to loans | 0.0010% | 6,465 |
| Net loans and leases to total assets | 87.6536% | 102 |
| Net loans and leases to deposits | 145.7444% | 21 |
| Net loans and leases to core deposits | 1,132.7895% | 18 |
| Total domestic deposits to total assets | 34.8141% | 6,891 |
| Equity capital to assets | 25.6208% | 83 |
| Core capital (leverage) ratio | 26.4802% | 72 |
| Tier 1 risk-based capital ratio | 15.6060% | 3,426 |
| Total risk-based capital ratio | 15.6752% | 4,107 |
| Memoranda: | ||
| Average total assets | $4,146,005,670 | 197 |
| Average earning assets | $3,949,701,330 | 188 |
| Average equity | $1,095,403,000 | 114 |
| Average total loans | $3,358,240,330 | 174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7163% | 6,945 |
| Cost of funding earning assets | 0.3165% | 5,829 |
| Net interest margin | 1.3997% | 6,944 |
| Noninterest income to average assets | 0.3324% | 5,039 |
| Noninterest expense to average assets | 1.0196% | 6,958 |
| Loan and lease loss provision to assets | -0.0148% | 6,743 |
| Net operating income to assets | 0.3714% | 5,255 |
| Return on assets (ROA) | 0.3687% | 5,398 |
| Pretax return on assets | 0.6562% | 4,766 |
| Return on Equity (ROE) | 1.3734% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.3734% | 5,291 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2255% | 5,419 |
| Assets per employee ($millions) | 15.1807% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1265% | 6,933 |
| Loan loss allowance to noncurrent loans | 9,976.9231% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,659 |
| Noncurrent loans to loans | 0.0013% | 6,532 |
| Net loans and leases to total assets | 76.9726% | 725 |
| Net loans and leases to deposits | 119.6939% | 68 |
| Net loans and leases to core deposits | 986.3624% | 21 |
| Total domestic deposits to total assets | 30.4456% | 6,972 |
| Equity capital to assets | 27.4337% | 75 |
| Core capital (leverage) ratio | 26.3008% | 75 |
| Tier 1 risk-based capital ratio | 16.6572% | 2,922 |
| Total risk-based capital ratio | 16.7323% | 3,499 |
| Memoranda: | ||
| Average total assets | $4,073,102,500 | 203 |
| Average earning assets | $3,878,416,000 | 193 |
| Average equity | $1,093,305,500 | 118 |
| Average total loans | $3,154,438,000 | 181 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9463% | 6,995 |
| Cost of funding earning assets | 0.3137% | 6,387 |
| Net interest margin | 1.6326% | 6,982 |
| Noninterest income to average assets | 0.4461% | 4,276 |
| Noninterest expense to average assets | 0.9568% | 7,020 |
| Loan and lease loss provision to assets | 0.0050% | 5,864 |
| Net operating income to assets | 0.9399% | 2,599 |
| Return on assets (ROA) | 0.9329% | 2,880 |
| Pretax return on assets | 1.0149% | 3,498 |
| Return on Equity (ROE) | 3.3174% | 5,422 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,890 |
| Net charge-offs to loans | -0.0003% | 6,304 |
| Credit loss provision to net charge-offs | -2,133.3333% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2157% | 6,697 |
| Assets per employee ($millions) | 17.6752% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1251% | 6,983 |
| Loan loss allowance to noncurrent loans | 10,364.1026% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,722 |
| Noncurrent loans to loans | 0.0012% | 6,595 |
| Net loans and leases to total assets | 77.7093% | 709 |
| Net loans and leases to deposits | 118.1764% | 77 |
| Net loans and leases to core deposits | 987.6786% | 23 |
| Total domestic deposits to total assets | 32.9790% | 7,033 |
| Equity capital to assets | 26.2734% | 85 |
| Core capital (leverage) ratio | 26.3647% | 81 |
| Tier 1 risk-based capital ratio | 16.0460% | 3,137 |
| Total risk-based capital ratio | 16.1217% | 3,743 |
| Memoranda: | ||
| Average total assets | $3,802,996,400 | 214 |
| Average earning assets | $3,583,193,400 | 204 |
| Average equity | $1,069,428,400 | 121 |
| Average total loans | $2,986,624,200 | 184 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9670% | 7,107 |
| Cost of funding earning assets | 0.3102% | 6,562 |
| Net interest margin | 1.6568% | 7,093 |
| Noninterest income to average assets | 0.4427% | 4,345 |
| Noninterest expense to average assets | 0.9410% | 7,127 |
| Loan and lease loss provision to assets | 0.0174% | 5,588 |
| Net operating income to assets | 0.5733% | 4,507 |
| Return on assets (ROA) | 0.5681% | 4,799 |
| Pretax return on assets | 1.0331% | 3,592 |
| Return on Equity (ROE) | 1.9839% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.9839% | 5,330 |
| Net charge-offs to loans | -0.0004% | 6,183 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0594% | 6,767 |
| Assets per employee ($millions) | 17.0825% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1412% | 7,091 |
| Loan loss allowance to noncurrent loans | 11,117.9487% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,820 |
| Noncurrent loans to loans | 0.0013% | 6,694 |
| Net loans and leases to total assets | 76.0431% | 970 |
| Net loans and leases to deposits | 116.8081% | 92 |
| Net loans and leases to core deposits | 830.0509% | 25 |
| Total domestic deposits to total assets | 30.8443% | 7,138 |
| Equity capital to assets | 26.5887% | 90 |
| Core capital (leverage) ratio | 26.2409% | 86 |
| Tier 1 risk-based capital ratio | 16.2000% | 3,169 |
| Total risk-based capital ratio | 16.2821% | 3,775 |
| Memoranda: | ||
| Average total assets | $3,715,325,750 | 218 |
| Average earning assets | $3,491,256,500 | 209 |
| Average equity | $1,063,957,500 | 122 |
| Average total loans | $2,925,321,500 | 187 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9949% | 7,178 |
| Cost of funding earning assets | 0.3041% | 6,723 |
| Net interest margin | 1.6908% | 7,162 |
| Noninterest income to average assets | 0.3967% | 4,678 |
| Noninterest expense to average assets | 1.1322% | 7,162 |
| Loan and lease loss provision to assets | -0.0533% | 7,079 |
| Net operating income to assets | 0.4995% | 4,822 |
| Return on assets (ROA) | 0.4935% | 5,098 |
| Pretax return on assets | 0.8937% | 4,100 |
| Return on Equity (ROE) | 1.6785% | 6,142 |
| Retained earnings to average equity (ytd only) | 1.6785% | 5,362 |
| Net charge-offs to loans | -0.0003% | 6,075 |
| Credit loss provision to net charge-offs | 19,240.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1221% | 5,979 |
| Assets per employee ($millions) | 17.8329% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0964% | 7,170 |
| Loan loss allowance to noncurrent loans | 7,394.8718% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,874 |
| Noncurrent loans to loans | 0.0013% | 6,733 |
| Net loans and leases to total assets | 75.1274% | 1,087 |
| Net loans and leases to deposits | 115.4859% | 94 |
| Net loans and leases to core deposits | 783.6303% | 26 |
| Total domestic deposits to total assets | 28.8558% | 7,205 |
| Equity capital to assets | 26.7853% | 82 |
| Core capital (leverage) ratio | 28.5371% | 69 |
| Tier 1 risk-based capital ratio | 15.8495% | 3,245 |
| Total risk-based capital ratio | 15.9164% | 3,949 |
| Memoranda: | ||
| Average total assets | $3,609,946,000 | 222 |
| Average earning assets | $3,384,776,000 | 210 |
| Average equity | $1,061,305,670 | 121 |
| Average total loans | $2,877,099,330 | 187 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0986% | 7,232 |
| Cost of funding earning assets | 0.3324% | 6,715 |
| Net interest margin | 1.7663% | 7,210 |
| Noninterest income to average assets | 0.3855% | 4,783 |
| Noninterest expense to average assets | 0.9426% | 7,262 |
| Loan and lease loss provision to assets | -0.0599% | 7,152 |
| Net operating income to assets | 0.6192% | 4,264 |
| Return on assets (ROA) | 0.6165% | 4,487 |
| Pretax return on assets | 1.1467% | 3,130 |
| Return on Equity (ROE) | 1.9940% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.9940% | 5,270 |
| Net charge-offs to loans | -0.0007% | 5,716 |
| Credit loss provision to net charge-offs | 10,260.0000% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3521% | 6,881 |
| Assets per employee ($millions) | 15.5614% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1182% | 7,222 |
| Loan loss allowance to noncurrent loans | 13.0557% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 5,080 |
| Noncurrent loans to loans | 0.9056% | 4,858 |
| Net loans and leases to total assets | 80.7807% | 347 |
| Net loans and leases to deposits | 133.3369% | 39 |
| Net loans and leases to core deposits | 1,096.5943% | 23 |
| Total domestic deposits to total assets | 24.6545% | 7,275 |
| Equity capital to assets | 30.4675% | 61 |
| Core capital (leverage) ratio | 29.8901% | 63 |
| Tier 1 risk-based capital ratio | 16.0229% | 3,165 |
| Total risk-based capital ratio | 16.1071% | 3,817 |
| Memoranda: | ||
| Average total assets | $3,426,553,000 | 227 |
| Average earning assets | $3,197,502,500 | 216 |
| Average equity | $1,059,368,000 | 122 |
| Average total loans | $2,820,400,000 | 186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9999% | 7,285 |
| Cost of funding earning assets | 0.2201% | 7,213 |
| Net interest margin | 1.7799% | 7,262 |
| Noninterest income to average assets | 0.5008% | 3,834 |
| Noninterest expense to average assets | 1.3953% | 7,215 |
| Loan and lease loss provision to assets | 0.0005% | 6,493 |
| Net operating income to assets | 0.5719% | 4,139 |
| Return on assets (ROA) | 0.5625% | 4,366 |
| Pretax return on assets | 0.7815% | 4,048 |
| Return on Equity (ROE) | 1.7564% | 5,746 |
| Retained earnings to average equity (ytd only) | 1.7564% | 4,962 |
| Net charge-offs to loans | -0.0057% | 6,845 |
| Credit loss provision to net charge-offs | -12.7660% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7029% | 5,176 |
| Assets per employee ($millions) | 15.3761% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1361% | 7,270 |
| Loan loss allowance to noncurrent loans | 9,848.7179% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 7,022 |
| Noncurrent loans to loans | 0.0014% | 6,874 |
| Net loans and leases to total assets | 83.6803% | 224 |
| Net loans and leases to deposits | 180.5889% | 19 |
| Net loans and leases to core deposits | 947.5845% | 27 |
| Total domestic deposits to total assets | 12.1925% | 7,331 |
| Equity capital to assets | 31.3811% | 61 |
| Core capital (leverage) ratio | 29.3434% | 68 |
| Tier 1 risk-based capital ratio | 16.1162% | 2,987 |
| Total risk-based capital ratio | 16.2400% | 3,605 |
| Memoranda: | ||
| Average total assets | $3,281,620,600 | 229 |
| Average earning assets | $3,115,090,400 | 214 |
| Average equity | $1,050,991,400 | 120 |
| Average total loans | $2,492,705,200 | 200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9078% | 7,373 |
| Cost of funding earning assets | 0.1951% | 7,330 |
| Net interest margin | 1.7127% | 7,347 |
| Noninterest income to average assets | 0.5127% | 3,776 |
| Noninterest expense to average assets | 1.1723% | 7,351 |
| Loan and lease loss provision to assets | -0.0325% | 7,317 |
| Net operating income to assets | 0.5639% | 4,254 |
| Return on assets (ROA) | 0.5547% | 4,476 |
| Pretax return on assets | 0.9888% | 3,442 |
| Return on Equity (ROE) | 1.7231% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.7231% | 5,281 |
| Net charge-offs to loans | -0.0078% | 6,755 |
| Credit loss provision to net charge-offs | 563.1206% | 490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7021% | 6,424 |
| Assets per employee ($millions) | 15.8251% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1032% | 7,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 82.7209% | 309 |
| Net loans and leases to deposits | 169.7769% | 21 |
| Net loans and leases to core deposits | 994.7112% | 27 |
| Total domestic deposits to total assets | 9.5203% | 7,411 |
| Equity capital to assets | 29.7838% | 80 |
| Core capital (leverage) ratio | 30.6269% | 72 |
| Tier 1 risk-based capital ratio | 16.5747% | 2,828 |
| Total risk-based capital ratio | 16.6738% | 3,399 |
| Memoranda: | ||
| Average total assets | $3,260,186,750 | 228 |
| Average earning assets | $3,103,384,250 | 215 |
| Average equity | $1,049,560,750 | 121 |
| Average total loans | $2,410,468,000 | 203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9225% | 7,450 |
| Cost of funding earning assets | 0.1818% | 7,424 |
| Net interest margin | 1.7407% | 7,416 |
| Noninterest income to average assets | 0.5131% | 3,760 |
| Noninterest expense to average assets | 1.2408% | 7,411 |
| Loan and lease loss provision to assets | -0.0636% | 7,407 |
| Net operating income to assets | 0.6122% | 4,000 |
| Return on assets (ROA) | 0.6006% | 4,198 |
| Pretax return on assets | 0.9793% | 3,317 |
| Return on Equity (ROE) | 1.8148% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.8148% | 5,088 |
| Net charge-offs to loans | -0.0126% | 6,738 |
| Credit loss provision to net charge-offs | 713.4752% | 450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0544% | 6,288 |
| Assets per employee ($millions) | 15.2785% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1065% | 7,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 79.3597% | 607 |
| Net loans and leases to deposits | 149.9605% | 27 |
| Net loans and leases to core deposits | 861.5895% | 30 |
| Total domestic deposits to total assets | 12.9184% | 7,480 |
| Equity capital to assets | 31.6058% | 74 |
| Core capital (leverage) ratio | 32.8281% | 67 |
| Tier 1 risk-based capital ratio | 19.2062% | 1,786 |
| Total risk-based capital ratio | 19.3078% | 2,111 |
| Memoranda: | ||
| Average total assets | $3,165,308,670 | 233 |
| Average earning assets | $3,021,559,670 | 225 |
| Average equity | $1,047,487,000 | 119 |
| Average total loans | $2,235,511,330 | 220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7481% | 7,519 |
| Cost of funding earning assets | 0.1687% | 7,500 |
| Net interest margin | 1.5794% | 7,495 |
| Noninterest income to average assets | 0.3134% | 5,422 |
| Noninterest expense to average assets | 1.2524% | 7,477 |
| Loan and lease loss provision to assets | 0.0131% | 5,749 |
| Net operating income to assets | 0.3159% | 5,328 |
| Return on assets (ROA) | 0.3099% | 5,427 |
| Pretax return on assets | 0.5489% | 4,868 |
| Return on Equity (ROE) | 0.9142% | 6,159 |
| Retained earnings to average equity (ytd only) | 0.9142% | 5,464 |
| Net charge-offs to loans | -0.0278% | 6,684 |
| Credit loss provision to net charge-offs | -71.6312% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6682% | 4,524 |
| Assets per employee ($millions) | 13.5971% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1781% | 7,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 75.5981% | 1,093 |
| Net loans and leases to deposits | 132.4666% | 53 |
| Net loans and leases to core deposits | 717.7849% | 30 |
| Total domestic deposits to total assets | 23.3234% | 7,528 |
| Equity capital to assets | 35.9540% | 59 |
| Core capital (leverage) ratio | 34.9950% | 61 |
| Tier 1 risk-based capital ratio | 21.7178% | 1,279 |
| Total risk-based capital ratio | 21.9000% | 1,429 |
| Memoranda: | ||
| Average total assets | $3,082,611,500 | 235 |
| Average earning assets | $2,948,115,000 | 227 |
| Average equity | $1,044,883,000 | 120 |
| Average total loans | $2,030,240,500 | 236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4685% | 7,584 |
| Cost of funding earning assets | 0.1686% | 7,561 |
| Net interest margin | 1.2999% | 7,565 |
| Noninterest income to average assets | 0.3620% | 5,213 |
| Noninterest expense to average assets | 1.2238% | 7,542 |
| Loan and lease loss provision to assets | -0.1149% | 7,608 |
| Net operating income to assets | 0.2658% | 5,051 |
| Return on assets (ROA) | 0.2575% | 5,239 |
| Pretax return on assets | 0.4890% | 4,656 |
| Return on Equity (ROE) | 0.7828% | 5,758 |
| Retained earnings to average equity (ytd only) | 0.7828% | 5,165 |
| Net charge-offs to loans | -0.0038% | 7,251 |
| Credit loss provision to net charge-offs | 5,670.3125% | 33 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9693% | 3,059 |
| Assets per employee ($millions) | 15.5763% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1983% | 7,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 56.9242% | 5,201 |
| Net loans and leases to deposits | 91.7600% | 1,290 |
| Net loans and leases to core deposits | 558.2057% | 34 |
| Total domestic deposits to total assets | 20.4743% | 7,608 |
| Equity capital to assets | 32.0565% | 72 |
| Core capital (leverage) ratio | 34.1145% | 68 |
| Tier 1 risk-based capital ratio | 25.0812% | 838 |
| Total risk-based capital ratio | 25.2753% | 913 |
| Memoranda: | ||
| Average total assets | $3,158,652,600 | 239 |
| Average earning assets | $3,035,024,000 | 226 |
| Average equity | $1,038,786,400 | 118 |
| Average total loans | $1,678,362,800 | 284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4264% | 7,710 |
| Cost of funding earning assets | 0.1703% | 7,682 |
| Net interest margin | 1.2560% | 7,689 |
| Noninterest income to average assets | 0.2658% | 5,990 |
| Noninterest expense to average assets | 1.3044% | 7,634 |
| Loan and lease loss provision to assets | -0.0744% | 7,695 |
| Net operating income to assets | 0.1079% | 5,754 |
| Return on assets (ROA) | 0.0968% | 5,927 |
| Pretax return on assets | 0.2257% | 5,672 |
| Return on Equity (ROE) | 0.2925% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.2925% | 5,668 |
| Net charge-offs to loans | -0.0052% | 7,214 |
| Credit loss provision to net charge-offs | 2,732.8125% | 109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5501% | 1,407 |
| Assets per employee ($millions) | 14.2293% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3319% | 7,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 55.6764% | 5,598 |
| Net loans and leases to deposits | 93.0390% | 1,326 |
| Net loans and leases to core deposits | 566.4750% | 34 |
| Total domestic deposits to total assets | 19.1188% | 7,713 |
| Equity capital to assets | 34.2613% | 67 |
| Core capital (leverage) ratio | 34.4903% | 65 |
| Tier 1 risk-based capital ratio | 26.9224% | 704 |
| Total risk-based capital ratio | 27.2488% | 759 |
| Memoranda: | ||
| Average total assets | $3,134,454,750 | 236 |
| Average earning assets | $3,012,626,250 | 223 |
| Average equity | $1,037,587,250 | 118 |
| Average total loans | $1,633,748,750 | 292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4089% | 7,790 |
| Cost of funding earning assets | 0.1532% | 7,764 |
| Net interest margin | 1.2557% | 7,761 |
| Noninterest income to average assets | 0.2761% | 5,938 |
| Noninterest expense to average assets | 1.5057% | 7,613 |
| Loan and lease loss provision to assets | -0.1217% | 7,773 |
| Net operating income to assets | 0.0367% | 6,021 |
| Return on assets (ROA) | 0.0245% | 6,145 |
| Pretax return on assets | 0.0806% | 6,017 |
| Return on Equity (ROE) | 0.0748% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.0748% | 5,711 |
| Net charge-offs to loans | -0.0072% | 7,157 |
| Credit loss provision to net charge-offs | 3,324.1379% | 124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4845% | 752 |
| Assets per employee ($millions) | 15.2203% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3801% | 7,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.5053% | 6,657 |
| Net loans and leases to deposits | 79.6794% | 3,658 |
| Net loans and leases to core deposits | 423.9305% | 37 |
| Total domestic deposits to total assets | 21.0021% | 7,780 |
| Equity capital to assets | 34.5881% | 66 |
| Core capital (leverage) ratio | 35.5929% | 64 |
| Tier 1 risk-based capital ratio | 29.7752% | 521 |
| Total risk-based capital ratio | 30.1164% | 565 |
| Memoranda: | ||
| Average total assets | $3,168,994,000 | 235 |
| Average earning assets | $3,047,619,000 | 223 |
| Average equity | $1,037,315,000 | 114 |
| Average total loans | $1,613,971,330 | 292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4663% | 7,893 |
| Cost of funding earning assets | 0.1564% | 7,867 |
| Net interest margin | 1.3100% | 7,857 |
| Noninterest income to average assets | 0.1909% | 6,597 |
| Noninterest expense to average assets | 1.2058% | 7,828 |
| Loan and lease loss provision to assets | -0.1320% | 7,874 |
| Net operating income to assets | 0.1935% | 5,713 |
| Return on assets (ROA) | 0.1870% | 5,858 |
| Pretax return on assets | 0.3681% | 5,387 |
| Return on Equity (ROE) | 0.5865% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.5865% | 5,593 |
| Net charge-offs to loans | -0.0106% | 6,904 |
| Credit loss provision to net charge-offs | 2,386.6667% | 217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0371% | 2,138 |
| Assets per employee ($millions) | 14.4613% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3743% | 7,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.0029% | 5,893 |
| Net loans and leases to deposits | 91.7861% | 1,641 |
| Net loans and leases to core deposits | 590.0268% | 38 |
| Total domestic deposits to total assets | 18.7230% | 7,883 |
| Equity capital to assets | 34.1863% | 68 |
| Core capital (leverage) ratio | 31.9424% | 73 |
| Tier 1 risk-based capital ratio | 30.6359% | 496 |
| Total risk-based capital ratio | 31.0068% | 519 |
| Memoranda: | ||
| Average total assets | $3,254,291,000 | 237 |
| Average earning assets | $3,133,225,500 | 222 |
| Average equity | $1,037,427,000 | 114 |
| Average total loans | $1,706,040,500 | 288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2650% | 7,917 |
| Cost of funding earning assets | 0.8840% | 7,431 |
| Net interest margin | 1.3810% | 7,887 |
| Noninterest income to average assets | 0.2566% | 6,274 |
| Noninterest expense to average assets | 1.5254% | 7,805 |
| Loan and lease loss provision to assets | -0.3632% | 8,004 |
| Net operating income to assets | 0.1340% | 5,096 |
| Return on assets (ROA) | 0.1217% | 5,198 |
| Pretax return on assets | 0.3526% | 4,638 |
| Return on Equity (ROE) | 0.3568% | 5,427 |
| Retained earnings to average equity (ytd only) | 0.3568% | 4,709 |
| Net charge-offs to loans | -0.0105% | 7,751 |
| Credit loss provision to net charge-offs | 4,947.9821% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4463% | 1,132 |
| Assets per employee ($millions) | 16.6909% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4209% | 7,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 49.7775% | 6,666 |
| Net loans and leases to deposits | 76.8388% | 4,599 |
| Net loans and leases to core deposits | 612.9526% | 21 |
| Total domestic deposits to total assets | 14.5908% | 7,968 |
| Equity capital to assets | 29.8602% | 105 |
| Core capital (leverage) ratio | 32.3616% | 87 |
| Tier 1 risk-based capital ratio | 32.7488% | 420 |
| Total risk-based capital ratio | 33.1867% | 435 |
| Memoranda: | ||
| Average total assets | $3,037,705,600 | 244 |
| Average earning assets | $2,809,396,600 | 238 |
| Average equity | $1,036,462,400 | 110 |
| Average total loans | $2,122,404,000 | 248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4928% | 8,012 |
| Cost of funding earning assets | 0.9846% | 7,424 |
| Net interest margin | 1.5082% | 7,946 |
| Noninterest income to average assets | 0.3071% | 6,022 |
| Noninterest expense to average assets | 1.4256% | 7,917 |
| Loan and lease loss provision to assets | -0.6044% | 8,094 |
| Net operating income to assets | 0.5047% | 3,966 |
| Return on assets (ROA) | 0.4913% | 4,117 |
| Pretax return on assets | 0.8415% | 3,408 |
| Return on Equity (ROE) | 1.3886% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.3886% | 4,543 |
| Net charge-offs to loans | -0.0031% | 7,605 |
| Credit loss provision to net charge-offs | 25,534.6154% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6780% | 2,226 |
| Assets per employee ($millions) | 13.8971% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2487% | 7,940 |
| Loan loss allowance to noncurrent loans | 33.5368% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 6,237 |
| Noncurrent loans to loans | 0.7415% | 5,830 |
| Net loans and leases to total assets | 65.9584% | 4,437 |
| Net loans and leases to deposits | 111.9289% | 393 |
| Net loans and leases to core deposits | 907.2456% | 18 |
| Total domestic deposits to total assets | 11.3427% | 8,059 |
| Equity capital to assets | 35.0687% | 89 |
| Core capital (leverage) ratio | 37.9235% | 81 |
| Tier 1 risk-based capital ratio | 31.1841% | 511 |
| Total risk-based capital ratio | 31.4218% | 540 |
| Memoranda: | ||
| Average total assets | $2,929,203,500 | 263 |
| Average earning assets | $2,673,187,750 | 261 |
| Average equity | $1,036,413,000 | 113 |
| Average total loans | $2,219,145,250 | 251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7163% | 8,095 |
| Cost of funding earning assets | 1.0987% | 7,380 |
| Net interest margin | 1.6176% | 7,984 |
| Noninterest income to average assets | 0.3523% | 5,684 |
| Noninterest expense to average assets | 1.4892% | 7,975 |
| Loan and lease loss provision to assets | -0.5084% | 8,186 |
| Net operating income to assets | 0.4881% | 4,129 |
| Return on assets (ROA) | 0.4730% | 4,320 |
| Pretax return on assets | 0.7996% | 3,674 |
| Return on Equity (ROE) | 1.3330% | 5,527 |
| Retained earnings to average equity (ytd only) | 1.3330% | 4,599 |
| Net charge-offs to loans | -0.0045% | 7,520 |
| Credit loss provision to net charge-offs | 14,246.1538% | 30 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5566% | 2,659 |
| Assets per employee ($millions) | 12.4230% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5127% | 7,774 |
| Loan loss allowance to noncurrent loans | 73.5626% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 6,056 |
| Noncurrent loans to loans | 0.6970% | 5,855 |
| Net loans and leases to total assets | 78.1686% | 1,706 |
| Net loans and leases to deposits | 143.3513% | 76 |
| Net loans and leases to core deposits | 1,106.0206% | 18 |
| Total domestic deposits to total assets | 11.2970% | 8,153 |
| Equity capital to assets | 38.9002% | 90 |
| Core capital (leverage) ratio | 37.3546% | 102 |
| Tier 1 risk-based capital ratio | 30.4805% | 576 |
| Total risk-based capital ratio | 30.8903% | 612 |
| Memoranda: | ||
| Average total assets | $2,914,281,670 | 273 |
| Average earning assets | $2,615,139,330 | 274 |
| Average equity | $1,034,239,670 | 118 |
| Average total loans | $2,303,369,330 | 248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7369% | 8,155 |
| Cost of funding earning assets | 1.1785% | 7,344 |
| Net interest margin | 1.5583% | 8,045 |
| Noninterest income to average assets | 0.2555% | 6,416 |
| Noninterest expense to average assets | 1.5377% | 7,958 |
| Loan and lease loss provision to assets | -1.1455% | 8,241 |
| Net operating income to assets | 0.7220% | 3,455 |
| Return on assets (ROA) | 0.7116% | 3,694 |
| Pretax return on assets | 1.2038% | 2,618 |
| Return on Equity (ROE) | 2.0937% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.0937% | 4,702 |
| Net charge-offs to loans | -0.0002% | 7,091 |
| Credit loss provision to net charge-offs | 869,400.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3747% | 1,353 |
| Assets per employee ($millions) | 12.9172% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4089% | 7,937 |
| Loan loss allowance to noncurrent loans | 581.3078% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 7,426 |
| Noncurrent loans to loans | 0.0703% | 7,323 |
| Net loans and leases to total assets | 82.2639% | 975 |
| Net loans and leases to deposits | 145.9239% | 74 |
| Net loans and leases to core deposits | 1,334.2185% | 16 |
| Total domestic deposits to total assets | 9.9546% | 8,211 |
| Equity capital to assets | 37.1342% | 99 |
| Core capital (leverage) ratio | 34.7018% | 117 |
| Tier 1 risk-based capital ratio | 28.2933% | 731 |
| Total risk-based capital ratio | 28.6847% | 772 |
| Memoranda: | ||
| Average total assets | $3,035,953,000 | 263 |
| Average earning assets | $2,643,310,500 | 273 |
| Average equity | $1,031,859,500 | 119 |
| Average total loans | $2,405,756,500 | 241 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 8,065 |
| Cost of funding earning assets | 2.4646% | 4,394 |
| Net interest margin | 1.8363% | 8,122 |
| Noninterest income to average assets | 0.0531% | 7,877 |
| Noninterest expense to average assets | 1.7545% | 7,810 |
| Loan and lease loss provision to assets | 0.3655% | 3,497 |
| Net operating income to assets | -0.2488% | 6,680 |
| Return on assets (ROA) | -0.2667% | 6,544 |
| Pretax return on assets | -0.3865% | 6,537 |
| Return on Equity (ROE) | -0.8598% | 6,344 |
| Retained earnings to average equity (ytd only) | -0.8598% | 5,554 |
| Net charge-offs to loans | 0.1787% | 4,409 |
| Credit loss provision to net charge-offs | 278.9438% | 1,635 |
| Earnings coverage of net charge-offs (x) | 0.0373% | 6,225 |
| Efficiency ratio | 99.7225% | 994 |
| Assets per employee ($millions) | 14.2687% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 7,366 |
| Loan loss allowance to noncurrent loans | 971.8884% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 7,346 |
| Noncurrent loans to loans | 0.0744% | 7,202 |
| Net loans and leases to total assets | 75.8341% | 2,670 |
| Net loans and leases to deposits | 119.8315% | 391 |
| Net loans and leases to core deposits | 1,482.6948% | 17 |
| Total domestic deposits to total assets | 7.1170% | 8,273 |
| Equity capital to assets | 31.3132% | 163 |
| Core capital (leverage) ratio | 31.9488% | 164 |
| Tier 1 risk-based capital ratio | 26.0361% | 898 |
| Total risk-based capital ratio | 26.5405% | 940 |
| Memoranda: | ||
| Average total assets | $3,338,024,800 | 241 |
| Average earning assets | $3,101,720,200 | 234 |
| Average equity | $1,035,265,000 | 113 |
| Average total loans | $2,447,108,800 | 233 |