Home > Mutual of Omaha Bank > Performance and Condition Ratios
Mutual of Omaha Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 2,408 |
| Cost of funding earning assets | 0.8178% | 2,597 |
| Net interest margin | 3.8551% | 2,318 |
| Noninterest income to average assets | 2.7468% | 175 |
| Noninterest expense to average assets | 5.1525% | 195 |
| Loan and lease loss provision to assets | 0.3662% | 408 |
| Net operating income to assets | 0.6458% | 4,023 |
| Return on assets (ROA) | 0.6451% | 4,097 |
| Pretax return on assets | 0.8559% | 3,860 |
| Return on Equity (ROE) | 5.6843% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.6843% | 2,038 |
| Net charge-offs to loans | 0.2350% | 869 |
| Credit loss provision to net charge-offs | 210.2023% | 1,266 |
| Earnings coverage of net charge-offs (x) | 7.0198% | 2,913 |
| Efficiency ratio | 80.3242% | 916 |
| Assets per employee ($millions) | 10.1605% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,406 |
| Loan loss allowance to noncurrent loans | 103.1486% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,441 |
| Noncurrent loans to loans | 1.1688% | 1,298 |
| Net loans and leases to total assets | 74.1437% | 1,727 |
| Net loans and leases to deposits | 89.6944% | 1,630 |
| Net loans and leases to core deposits | 93.6320% | 2,102 |
| Total domestic deposits to total assets | 82.6626% | 3,316 |
| Equity capital to assets | 10.4017% | 3,541 |
| Core capital (leverage) ratio | 8.3720% | 4,912 |
| Tier 1 risk-based capital ratio | 10.5238% | 5,015 |
| Total risk-based capital ratio | 11.6493% | 4,986 |
| Memoranda: | ||
| Average total assets | $8,567,954,800 | 157 |
| Average earning assets | $8,065,002,800 | 152 |
| Average equity | $972,309,400 | 168 |
| Average total loans | $6,353,135,800 | 153 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 2,513 |
| Cost of funding earning assets | 0.7737% | 2,849 |
| Net interest margin | 3.8930% | 2,281 |
| Noninterest income to average assets | 2.5621% | 193 |
| Noninterest expense to average assets | 4.7306% | 256 |
| Loan and lease loss provision to assets | 0.0535% | 2,839 |
| Net operating income to assets | 1.0915% | 2,605 |
| Return on assets (ROA) | 1.0905% | 2,700 |
| Pretax return on assets | 1.4339% | 2,181 |
| Return on Equity (ROE) | 9.4167% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.4167% | 919 |
| Net charge-offs to loans | 0.0355% | 2,370 |
| Credit loss provision to net charge-offs | 203.5398% | 1,295 |
| Earnings coverage of net charge-offs (x) | 56.6396% | 1,096 |
| Efficiency ratio | 75.5624% | 1,382 |
| Assets per employee ($millions) | 4.1878% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,866 |
| Loan loss allowance to noncurrent loans | 74.0344% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 1,419 |
| Noncurrent loans to loans | 1.2710% | 1,229 |
| Net loans and leases to total assets | 73.5760% | 1,906 |
| Net loans and leases to deposits | 95.6174% | 1,062 |
| Net loans and leases to core deposits | 99.9548% | 1,656 |
| Total domestic deposits to total assets | 76.9484% | 4,519 |
| Equity capital to assets | 11.8848% | 2,341 |
| Core capital (leverage) ratio | 10.0962% | 3,537 |
| Tier 1 risk-based capital ratio | 12.0366% | 4,400 |
| Total risk-based capital ratio | 12.9349% | 4,481 |
| Memoranda: | ||
| Average total assets | $8,599,102,500 | 155 |
| Average earning assets | $8,077,892,750 | 152 |
| Average equity | $995,823,750 | 167 |
| Average total loans | $6,357,264,250 | 153 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 2,497 |
| Cost of funding earning assets | 0.7322% | 2,985 |
| Net interest margin | 3.9228% | 2,178 |
| Noninterest income to average assets | 2.2010% | 231 |
| Noninterest expense to average assets | 4.4770% | 314 |
| Loan and lease loss provision to assets | 0.0004% | 3,684 |
| Net operating income to assets | 1.1045% | 2,507 |
| Return on assets (ROA) | 1.1031% | 2,584 |
| Pretax return on assets | 1.4092% | 2,175 |
| Return on Equity (ROE) | 9.6123% | 2,582 |
| Retained earnings to average equity (ytd only) | 9.6123% | 878 |
| Net charge-offs to loans | 0.0575% | 1,823 |
| Credit loss provision to net charge-offs | 1.0509% | 2,724 |
| Earnings coverage of net charge-offs (x) | 33.2683% | 1,385 |
| Efficiency ratio | 75.4945% | 1,461 |
| Assets per employee ($millions) | 4.1088% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 3,945 |
| Loan loss allowance to noncurrent loans | 79.7316% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 1,620 |
| Noncurrent loans to loans | 1.1717% | 1,374 |
| Net loans and leases to total assets | 72.4055% | 2,159 |
| Net loans and leases to deposits | 90.7625% | 1,661 |
| Net loans and leases to core deposits | 93.2737% | 2,305 |
| Total domestic deposits to total assets | 79.7747% | 4,076 |
| Equity capital to assets | 11.9741% | 2,202 |
| Core capital (leverage) ratio | 9.9676% | 3,613 |
| Tier 1 risk-based capital ratio | 12.3593% | 4,215 |
| Total risk-based capital ratio | 13.2506% | 4,304 |
| Memoranda: | ||
| Average total assets | $8,522,855,000 | 155 |
| Average earning assets | $8,011,699,330 | 152 |
| Average equity | $978,040,670 | 169 |
| Average total loans | $6,290,726,000 | 154 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 2,440 |
| Cost of funding earning assets | 0.7152% | 2,973 |
| Net interest margin | 3.9131% | 2,147 |
| Noninterest income to average assets | 1.8401% | 277 |
| Noninterest expense to average assets | 4.2098% | 399 |
| Loan and lease loss provision to assets | 0.0348% | 2,928 |
| Net operating income to assets | 1.0492% | 2,662 |
| Return on assets (ROA) | 1.0473% | 2,710 |
| Pretax return on assets | 1.2741% | 2,554 |
| Return on Equity (ROE) | 9.3289% | 2,660 |
| Retained earnings to average equity (ytd only) | 9.3289% | 1,215 |
| Net charge-offs to loans | 0.0374% | 1,738 |
| Credit loss provision to net charge-offs | 125.5499% | 1,381 |
| Earnings coverage of net charge-offs (x) | 47.2893% | 1,058 |
| Efficiency ratio | 75.6788% | 1,533 |
| Assets per employee ($millions) | 4.2357% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,980 |
| Loan loss allowance to noncurrent loans | 73.7450% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 1,461 |
| Noncurrent loans to loans | 1.2818% | 1,277 |
| Net loans and leases to total assets | 73.7856% | 1,846 |
| Net loans and leases to deposits | 90.6247% | 1,552 |
| Net loans and leases to core deposits | 92.9929% | 2,210 |
| Total domestic deposits to total assets | 81.4189% | 3,877 |
| Equity capital to assets | 11.4261% | 2,467 |
| Core capital (leverage) ratio | 9.6346% | 3,987 |
| Tier 1 risk-based capital ratio | 12.0908% | 4,412 |
| Total risk-based capital ratio | 13.0151% | 4,483 |
| Memoranda: | ||
| Average total assets | $8,525,471,500 | 156 |
| Average earning assets | $8,019,755,500 | 153 |
| Average equity | $957,107,000 | 171 |
| Average total loans | $6,323,396,500 | 156 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 3,159 |
| Cost of funding earning assets | 0.5756% | 2,882 |
| Net interest margin | 3.7119% | 2,988 |
| Noninterest income to average assets | 0.8466% | 1,318 |
| Noninterest expense to average assets | 2.9171% | 2,292 |
| Loan and lease loss provision to assets | 0.1320% | 1,661 |
| Net operating income to assets | 1.0090% | 2,964 |
| Return on assets (ROA) | 1.0072% | 2,960 |
| Pretax return on assets | 1.3064% | 2,473 |
| Return on Equity (ROE) | 9.3874% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.3874% | 758 |
| Net charge-offs to loans | 0.1782% | 1,081 |
| Credit loss provision to net charge-offs | 98.1976% | 2,594 |
| Earnings coverage of net charge-offs (x) | 10.7195% | 2,694 |
| Efficiency ratio | 66.5983% | 2,764 |
| Assets per employee ($millions) | 4.1684% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,946 |
| Loan loss allowance to noncurrent loans | 90.9720% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 1,797 |
| Noncurrent loans to loans | 1.0478% | 1,561 |
| Net loans and leases to total assets | 73.1469% | 2,067 |
| Net loans and leases to deposits | 91.5519% | 1,599 |
| Net loans and leases to core deposits | 93.9735% | 2,228 |
| Total domestic deposits to total assets | 79.8966% | 4,126 |
| Equity capital to assets | 11.0263% | 2,659 |
| Core capital (leverage) ratio | 9.3789% | 4,260 |
| Tier 1 risk-based capital ratio | 11.8567% | 4,531 |
| Total risk-based capital ratio | 12.7885% | 4,609 |
| Memoranda: | ||
| Average total assets | $8,297,315,400 | 160 |
| Average earning assets | $7,848,804,200 | 155 |
| Average equity | $890,205,600 | 174 |
| Average total loans | $6,259,511,400 | 153 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 3,254 |
| Cost of funding earning assets | 0.5135% | 3,105 |
| Net interest margin | 3.7043% | 3,005 |
| Noninterest income to average assets | 0.6482% | 2,081 |
| Noninterest expense to average assets | 2.6440% | 3,141 |
| Loan and lease loss provision to assets | 0.1532% | 1,284 |
| Net operating income to assets | 1.0568% | 2,840 |
| Return on assets (ROA) | 1.0547% | 2,863 |
| Pretax return on assets | 1.3591% | 2,384 |
| Return on Equity (ROE) | 9.9013% | 2,662 |
| Retained earnings to average equity (ytd only) | 9.9013% | 954 |
| Net charge-offs to loans | 0.2559% | 657 |
| Credit loss provision to net charge-offs | 78.9215% | 2,539 |
| Earnings coverage of net charge-offs (x) | 7.8061% | 2,773 |
| Efficiency ratio | 63.5737% | 3,257 |
| Assets per employee ($millions) | 5.4634% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,103 |
| Loan loss allowance to noncurrent loans | 70.9739% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 1,490 |
| Noncurrent loans to loans | 1.3206% | 1,262 |
| Net loans and leases to total assets | 72.8983% | 2,185 |
| Net loans and leases to deposits | 90.5612% | 1,817 |
| Net loans and leases to core deposits | 93.0264% | 2,391 |
| Total domestic deposits to total assets | 80.4961% | 3,995 |
| Equity capital to assets | 10.7811% | 2,863 |
| Core capital (leverage) ratio | 9.1536% | 4,562 |
| Tier 1 risk-based capital ratio | 11.9231% | 4,539 |
| Total risk-based capital ratio | 12.8452% | 4,626 |
| Memoranda: | ||
| Average total assets | $8,242,631,500 | 158 |
| Average earning assets | $7,811,885,000 | 156 |
| Average equity | $878,004,750 | 175 |
| Average total loans | $6,252,096,250 | 153 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,342 |
| Cost of funding earning assets | 0.4504% | 3,355 |
| Net interest margin | 3.6816% | 3,001 |
| Noninterest income to average assets | 0.4328% | 3,272 |
| Noninterest expense to average assets | 2.4652% | 3,734 |
| Loan and lease loss provision to assets | 0.2338% | 682 |
| Net operating income to assets | 0.9414% | 3,266 |
| Return on assets (ROA) | 0.9433% | 3,266 |
| Pretax return on assets | 1.2297% | 2,820 |
| Return on Equity (ROE) | 8.8917% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.8917% | 1,255 |
| Net charge-offs to loans | 0.1070% | 1,294 |
| Credit loss provision to net charge-offs | 285.1367% | 1,046 |
| Earnings coverage of net charge-offs (x) | 17.8205% | 1,936 |
| Efficiency ratio | 62.7860% | 3,522 |
| Assets per employee ($millions) | 9.4707% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,441 |
| Loan loss allowance to noncurrent loans | 82.2980% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 1,535 |
| Noncurrent loans to loans | 1.2989% | 1,313 |
| Net loans and leases to total assets | 74.3009% | 1,896 |
| Net loans and leases to deposits | 89.6142% | 1,894 |
| Net loans and leases to core deposits | 91.8221% | 2,419 |
| Total domestic deposits to total assets | 82.9120% | 3,433 |
| Equity capital to assets | 10.6726% | 2,954 |
| Core capital (leverage) ratio | 9.4179% | 4,223 |
| Tier 1 risk-based capital ratio | 11.8146% | 4,614 |
| Total risk-based capital ratio | 12.8492% | 4,622 |
| Memoranda: | ||
| Average total assets | $8,205,659,670 | 159 |
| Average earning assets | $7,786,652,670 | 154 |
| Average equity | $870,471,330 | 174 |
| Average total loans | $6,287,059,000 | 150 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,442 |
| Cost of funding earning assets | 0.4300% | 3,370 |
| Net interest margin | 3.6154% | 3,117 |
| Noninterest income to average assets | 0.4342% | 3,210 |
| Noninterest expense to average assets | 2.4818% | 3,705 |
| Loan and lease loss provision to assets | 0.2428% | 624 |
| Net operating income to assets | 0.8687% | 3,421 |
| Return on assets (ROA) | 0.8631% | 3,455 |
| Pretax return on assets | 1.1316% | 3,044 |
| Return on Equity (ROE) | 8.1614% | 3,314 |
| Retained earnings to average equity (ytd only) | 8.1614% | 1,782 |
| Net charge-offs to loans | 0.2449% | 625 |
| Credit loss provision to net charge-offs | 128.1177% | 1,350 |
| Earnings coverage of net charge-offs (x) | 7.2897% | 2,101 |
| Efficiency ratio | 64.2408% | 3,438 |
| Assets per employee ($millions) | 9.6522% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 4,111 |
| Loan loss allowance to noncurrent loans | 67.4042% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,392 |
| Noncurrent loans to loans | 1.4413% | 1,229 |
| Net loans and leases to total assets | 76.0831% | 1,529 |
| Net loans and leases to deposits | 91.2375% | 1,530 |
| Net loans and leases to core deposits | 105.7513% | 1,257 |
| Total domestic deposits to total assets | 83.3901% | 3,549 |
| Equity capital to assets | 10.5659% | 3,007 |
| Core capital (leverage) ratio | 9.3016% | 4,327 |
| Tier 1 risk-based capital ratio | 11.4136% | 4,906 |
| Total risk-based capital ratio | 12.3602% | 4,977 |
| Memoranda: | ||
| Average total assets | $8,174,550,500 | 158 |
| Average earning assets | $7,753,422,000 | 152 |
| Average equity | $864,507,000 | 173 |
| Average total loans | $6,325,847,000 | 148 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,628 |
| Cost of funding earning assets | 0.3839% | 3,397 |
| Net interest margin | 3.5493% | 3,344 |
| Noninterest income to average assets | 0.3499% | 3,964 |
| Noninterest expense to average assets | 2.3644% | 4,169 |
| Loan and lease loss provision to assets | 0.1457% | 1,563 |
| Net operating income to assets | 0.8860% | 2,788 |
| Return on assets (ROA) | 0.8693% | 2,889 |
| Pretax return on assets | 1.1730% | 2,883 |
| Return on Equity (ROE) | 8.2868% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.2868% | 668 |
| Net charge-offs to loans | 0.1556% | 1,559 |
| Credit loss provision to net charge-offs | 119.3779% | 2,192 |
| Earnings coverage of net charge-offs (x) | 10.9864% | 2,617 |
| Efficiency ratio | 62.7187% | 3,826 |
| Assets per employee ($millions) | 9.9084% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 4,226 |
| Loan loss allowance to noncurrent loans | 58.2413% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 1,145 |
| Noncurrent loans to loans | 1.6268% | 1,021 |
| Net loans and leases to total assets | 77.2054% | 1,393 |
| Net loans and leases to deposits | 97.5846% | 933 |
| Net loans and leases to core deposits | 113.0086% | 838 |
| Total domestic deposits to total assets | 79.1164% | 4,519 |
| Equity capital to assets | 10.5853% | 3,068 |
| Core capital (leverage) ratio | 9.2161% | 4,377 |
| Tier 1 risk-based capital ratio | 10.9448% | 5,178 |
| Total risk-based capital ratio | 11.8621% | 5,230 |
| Memoranda: | ||
| Average total assets | $7,900,280,600 | 155 |
| Average earning assets | $7,469,519,600 | 149 |
| Average equity | $828,736,600 | 170 |
| Average total loans | $6,200,330,400 | 142 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 3,589 |
| Cost of funding earning assets | 0.3663% | 3,497 |
| Net interest margin | 3.5620% | 3,283 |
| Noninterest income to average assets | 0.3534% | 4,005 |
| Noninterest expense to average assets | 2.3865% | 4,054 |
| Loan and lease loss provision to assets | 0.1335% | 1,627 |
| Net operating income to assets | 0.7819% | 3,596 |
| Return on assets (ROA) | 0.7835% | 3,644 |
| Pretax return on assets | 1.2032% | 2,894 |
| Return on Equity (ROE) | 7.4870% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.4870% | 1,435 |
| Net charge-offs to loans | -0.0154% | 4,762 |
| Credit loss provision to net charge-offs | -1,102.2472% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0519% | 3,702 |
| Assets per employee ($millions) | 10.1148% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,625 |
| Loan loss allowance to noncurrent loans | 58.3656% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 1,051 |
| Noncurrent loans to loans | 1.8444% | 953 |
| Net loans and leases to total assets | 77.1588% | 1,403 |
| Net loans and leases to deposits | 97.9257% | 926 |
| Net loans and leases to core deposits | 113.9536% | 841 |
| Total domestic deposits to total assets | 78.7932% | 4,573 |
| Equity capital to assets | 10.6152% | 3,254 |
| Core capital (leverage) ratio | 9.1364% | 4,587 |
| Tier 1 risk-based capital ratio | 10.8386% | 5,323 |
| Total risk-based capital ratio | 11.8603% | 5,344 |
| Memoranda: | ||
| Average total assets | $7,839,177,000 | 157 |
| Average earning assets | $7,410,498,750 | 152 |
| Average equity | $820,384,750 | 170 |
| Average total loans | $6,163,339,500 | 142 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 3,698 |
| Cost of funding earning assets | 0.3469% | 3,615 |
| Net interest margin | 3.5097% | 3,362 |
| Noninterest income to average assets | 0.3689% | 3,916 |
| Noninterest expense to average assets | 2.4695% | 3,852 |
| Loan and lease loss provision to assets | 0.1094% | 1,865 |
| Net operating income to assets | 0.7087% | 3,803 |
| Return on assets (ROA) | 0.7112% | 3,863 |
| Pretax return on assets | 1.1132% | 3,123 |
| Return on Equity (ROE) | 6.8291% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.8291% | 1,675 |
| Net charge-offs to loans | -0.0213% | 4,802 |
| Credit loss provision to net charge-offs | -650.1524% | 4,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8499% | 3,377 |
| Assets per employee ($millions) | 10.3691% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 4,087 |
| Loan loss allowance to noncurrent loans | 87.5284% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 1,904 |
| Noncurrent loans to loans | 1.1534% | 1,696 |
| Net loans and leases to total assets | 77.5136% | 1,312 |
| Net loans and leases to deposits | 97.5797% | 928 |
| Net loans and leases to core deposits | 113.1619% | 839 |
| Total domestic deposits to total assets | 79.4362% | 4,525 |
| Equity capital to assets | 10.3500% | 3,511 |
| Core capital (leverage) ratio | 8.9779% | 4,750 |
| Tier 1 risk-based capital ratio | 10.3040% | 5,538 |
| Total risk-based capital ratio | 11.2558% | 5,582 |
| Memoranda: | ||
| Average total assets | $7,798,794,330 | 158 |
| Average earning assets | $7,375,937,670 | 153 |
| Average equity | $812,177,000 | 171 |
| Average total loans | $6,148,143,670 | 140 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 3,916 |
| Cost of funding earning assets | 0.3277% | 3,774 |
| Net interest margin | 3.4267% | 3,540 |
| Noninterest income to average assets | 0.3893% | 3,744 |
| Noninterest expense to average assets | 2.5444% | 3,674 |
| Loan and lease loss provision to assets | 0.0830% | 2,155 |
| Net operating income to assets | 0.6591% | 3,888 |
| Return on assets (ROA) | 0.6634% | 3,906 |
| Pretax return on assets | 1.0128% | 3,311 |
| Return on Equity (ROE) | 6.3499% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.3499% | 2,164 |
| Net charge-offs to loans | 0.0288% | 2,178 |
| Credit loss provision to net charge-offs | 364.0091% | 695 |
| Earnings coverage of net charge-offs (x) | 47.7699% | 929 |
| Efficiency ratio | 68.8866% | 3,065 |
| Assets per employee ($millions) | 8.7044% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 4,457 |
| Loan loss allowance to noncurrent loans | 81.7599% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 1,947 |
| Noncurrent loans to loans | 1.1839% | 1,709 |
| Net loans and leases to total assets | 77.9697% | 1,140 |
| Net loans and leases to deposits | 96.1153% | 928 |
| Net loans and leases to core deposits | 111.0013% | 830 |
| Total domestic deposits to total assets | 81.1209% | 4,390 |
| Equity capital to assets | 10.4046% | 3,287 |
| Core capital (leverage) ratio | 8.9341% | 4,812 |
| Tier 1 risk-based capital ratio | 10.2600% | 5,630 |
| Total risk-based capital ratio | 11.1758% | 5,690 |
| Memoranda: | ||
| Average total assets | $7,700,903,500 | 160 |
| Average earning assets | $7,291,279,500 | 154 |
| Average equity | $804,546,000 | 172 |
| Average total loans | $6,092,174,500 | 141 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,311 |
| Cost of funding earning assets | 0.3247% | 3,802 |
| Net interest margin | 3.3452% | 4,010 |
| Noninterest income to average assets | 0.3635% | 4,143 |
| Noninterest expense to average assets | 2.6223% | 3,612 |
| Loan and lease loss provision to assets | 0.0597% | 3,190 |
| Net operating income to assets | 0.5646% | 4,369 |
| Return on assets (ROA) | 0.5685% | 4,458 |
| Pretax return on assets | 0.8605% | 3,971 |
| Return on Equity (ROE) | 5.3761% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.3761% | 2,090 |
| Net charge-offs to loans | 0.1305% | 1,938 |
| Credit loss provision to net charge-offs | 59.6097% | 3,254 |
| Earnings coverage of net charge-offs (x) | 9.1326% | 2,779 |
| Efficiency ratio | 72.9330% | 2,435 |
| Assets per employee ($millions) | 8.2728% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,503 |
| Loan loss allowance to noncurrent loans | 75.4388% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 1,845 |
| Noncurrent loans to loans | 1.2782% | 1,602 |
| Net loans and leases to total assets | 78.7312% | 1,083 |
| Net loans and leases to deposits | 98.4592% | 783 |
| Net loans and leases to core deposits | 115.2676% | 647 |
| Total domestic deposits to total assets | 79.9633% | 4,584 |
| Equity capital to assets | 10.4914% | 3,166 |
| Core capital (leverage) ratio | 8.8566% | 4,903 |
| Tier 1 risk-based capital ratio | 10.2762% | 5,667 |
| Total risk-based capital ratio | 11.1919% | 5,717 |
| Memoranda: | ||
| Average total assets | $7,420,659,800 | 155 |
| Average earning assets | $7,039,156,600 | 151 |
| Average equity | $784,665,200 | 168 |
| Average total loans | $5,694,042,400 | 141 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 4,427 |
| Cost of funding earning assets | 0.3247% | 3,820 |
| Net interest margin | 3.3197% | 4,131 |
| Noninterest income to average assets | 0.3166% | 4,505 |
| Noninterest expense to average assets | 2.5687% | 3,767 |
| Loan and lease loss provision to assets | 0.1267% | 1,844 |
| Net operating income to assets | 0.4858% | 4,743 |
| Return on assets (ROA) | 0.4898% | 4,824 |
| Pretax return on assets | 0.7791% | 4,377 |
| Return on Equity (ROE) | 4.6224% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.6224% | 3,070 |
| Net charge-offs to loans | 0.0133% | 3,486 |
| Credit loss provision to net charge-offs | 1,251.7857% | 334 |
| Earnings coverage of net charge-offs (x) | 88.8676% | 711 |
| Efficiency ratio | 72.8167% | 2,460 |
| Assets per employee ($millions) | 8.2504% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,538 |
| Loan loss allowance to noncurrent loans | 88.1945% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.0282% | 2,006 |
| Noncurrent loans to loans | 1.3040% | 1,708 |
| Net loans and leases to total assets | 76.3607% | 1,466 |
| Net loans and leases to deposits | 96.6834% | 978 |
| Net loans and leases to core deposits | 111.8163% | 819 |
| Total domestic deposits to total assets | 78.9802% | 4,730 |
| Equity capital to assets | 10.4749% | 3,593 |
| Core capital (leverage) ratio | 8.5848% | 5,280 |
| Tier 1 risk-based capital ratio | 9.8659% | 5,822 |
| Total risk-based capital ratio | 10.9149% | 5,838 |
| Memoranda: | ||
| Average total assets | $7,375,155,750 | 157 |
| Average earning assets | $7,002,120,000 | 149 |
| Average equity | $781,425,000 | 169 |
| Average total loans | $5,606,564,250 | 144 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,561 |
| Cost of funding earning assets | 0.3311% | 3,785 |
| Net interest margin | 3.2776% | 4,298 |
| Noninterest income to average assets | 0.2913% | 4,703 |
| Noninterest expense to average assets | 2.6410% | 3,571 |
| Loan and lease loss provision to assets | 0.0602% | 2,937 |
| Net operating income to assets | 0.4589% | 4,840 |
| Return on assets (ROA) | 0.4597% | 4,924 |
| Pretax return on assets | 0.7098% | 4,584 |
| Return on Equity (ROE) | 4.3211% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.3211% | 3,171 |
| Net charge-offs to loans | 0.0227% | 3,039 |
| Credit loss provision to net charge-offs | 350.7987% | 851 |
| Earnings coverage of net charge-offs (x) | 44.7859% | 1,075 |
| Efficiency ratio | 76.1722% | 2,055 |
| Assets per employee ($millions) | 8.0041% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,924 |
| Loan loss allowance to noncurrent loans | 88.3480% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 2,201 |
| Noncurrent loans to loans | 1.2503% | 1,838 |
| Net loans and leases to total assets | 75.2695% | 1,598 |
| Net loans and leases to deposits | 92.8493% | 1,412 |
| Net loans and leases to core deposits | 107.1105% | 1,090 |
| Total domestic deposits to total assets | 81.0663% | 4,256 |
| Equity capital to assets | 10.5693% | 3,562 |
| Core capital (leverage) ratio | 8.6149% | 5,249 |
| Tier 1 risk-based capital ratio | 10.0012% | 5,857 |
| Total risk-based capital ratio | 11.0052% | 5,874 |
| Memoranda: | ||
| Average total assets | $7,292,424,670 | 159 |
| Average earning assets | $6,938,806,000 | 150 |
| Average equity | $775,721,000 | 169 |
| Average total loans | $5,512,427,670 | 147 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,647 |
| Cost of funding earning assets | 0.3387% | 3,734 |
| Net interest margin | 3.2502% | 4,398 |
| Noninterest income to average assets | 0.2708% | 4,797 |
| Noninterest expense to average assets | 2.7092% | 3,380 |
| Loan and lease loss provision to assets | 0.0511% | 2,903 |
| Net operating income to assets | 0.3929% | 5,017 |
| Return on assets (ROA) | 0.3929% | 5,092 |
| Pretax return on assets | 0.6016% | 4,817 |
| Return on Equity (ROE) | 3.6814% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.6814% | 3,652 |
| Net charge-offs to loans | 0.0112% | 2,749 |
| Credit loss provision to net charge-offs | 604.6053% | 521 |
| Earnings coverage of net charge-offs (x) | 77.2961% | 654 |
| Efficiency ratio | 79.2726% | 1,703 |
| Assets per employee ($millions) | 7.7646% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,843 |
| Loan loss allowance to noncurrent loans | 85.2116% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 2,187 |
| Noncurrent loans to loans | 1.3367% | 1,783 |
| Net loans and leases to total assets | 73.0059% | 1,887 |
| Net loans and leases to deposits | 90.0963% | 1,567 |
| Net loans and leases to core deposits | 104.1447% | 1,183 |
| Total domestic deposits to total assets | 81.0310% | 4,486 |
| Equity capital to assets | 10.5382% | 3,441 |
| Core capital (leverage) ratio | 8.6703% | 5,209 |
| Tier 1 risk-based capital ratio | 10.4267% | 5,784 |
| Total risk-based capital ratio | 11.4773% | 5,784 |
| Memoranda: | ||
| Average total assets | $7,200,737,000 | 160 |
| Average earning assets | $6,847,997,000 | 151 |
| Average equity | $768,511,500 | 170 |
| Average total loans | $5,423,717,000 | 147 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,341 |
| Cost of funding earning assets | 0.3195% | 4,039 |
| Net interest margin | 3.3917% | 3,944 |
| Noninterest income to average assets | 0.3558% | 4,358 |
| Noninterest expense to average assets | 2.5337% | 4,119 |
| Loan and lease loss provision to assets | 0.0627% | 3,046 |
| Net operating income to assets | 0.6240% | 4,168 |
| Return on assets (ROA) | 0.6249% | 4,253 |
| Pretax return on assets | 0.9748% | 3,561 |
| Return on Equity (ROE) | 5.6190% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.3239% | 4,406 |
| Net charge-offs to loans | 0.0700% | 2,843 |
| Credit loss provision to net charge-offs | 118.7448% | 2,166 |
| Earnings coverage of net charge-offs (x) | 19.6273% | 1,933 |
| Efficiency ratio | 69.6719% | 3,271 |
| Assets per employee ($millions) | 7.6610% | 642 |
| Cash dividends to net income (ytd only)* | 58.6414% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,834 |
| Loan loss allowance to noncurrent loans | 97.0879% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 2,371 |
| Noncurrent loans to loans | 1.1688% | 2,024 |
| Net loans and leases to total assets | 75.9977% | 1,419 |
| Net loans and leases to deposits | 88.6477% | 1,788 |
| Net loans and leases to core deposits | 101.8590% | 1,373 |
| Total domestic deposits to total assets | 85.7301% | 2,761 |
| Equity capital to assets | 10.8138% | 3,012 |
| Core capital (leverage) ratio | 8.9456% | 4,948 |
| Tier 1 risk-based capital ratio | 10.4598% | 5,793 |
| Total risk-based capital ratio | 11.5147% | 5,801 |
| Memoranda: | ||
| Average total assets | $6,822,191,200 | 157 |
| Average earning assets | $6,464,661,800 | 147 |
| Average equity | $758,714,800 | 164 |
| Average total loans | $5,144,939,400 | 146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 4,435 |
| Cost of funding earning assets | 0.3196% | 4,108 |
| Net interest margin | 3.3765% | 4,048 |
| Noninterest income to average assets | 0.3468% | 4,454 |
| Noninterest expense to average assets | 2.5462% | 4,063 |
| Loan and lease loss provision to assets | 0.0267% | 3,729 |
| Net operating income to assets | 0.6096% | 4,337 |
| Return on assets (ROA) | 0.6108% | 4,436 |
| Pretax return on assets | 0.9723% | 3,730 |
| Return on Equity (ROE) | 5.4535% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.4535% | 2,607 |
| Net charge-offs to loans | 0.1175% | 1,949 |
| Credit loss provision to net charge-offs | 30.3193% | 3,267 |
| Earnings coverage of net charge-offs (x) | 11.3054% | 2,501 |
| Efficiency ratio | 70.5346% | 3,128 |
| Assets per employee ($millions) | 7.5853% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,210 |
| Loan loss allowance to noncurrent loans | 109.4310% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 2,935 |
| Noncurrent loans to loans | 1.0082% | 2,459 |
| Net loans and leases to total assets | 74.7327% | 1,602 |
| Net loans and leases to deposits | 95.0476% | 1,091 |
| Net loans and leases to core deposits | 111.2079% | 803 |
| Total domestic deposits to total assets | 78.6267% | 5,064 |
| Equity capital to assets | 10.9906% | 3,039 |
| Core capital (leverage) ratio | 8.9809% | 5,012 |
| Tier 1 risk-based capital ratio | 10.8754% | 5,722 |
| Total risk-based capital ratio | 11.9309% | 5,739 |
| Memoranda: | ||
| Average total assets | $6,771,458,500 | 159 |
| Average earning assets | $6,410,422,500 | 149 |
| Average equity | $758,472,250 | 165 |
| Average total loans | $5,081,121,000 | 148 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,404 |
| Cost of funding earning assets | 0.3170% | 4,200 |
| Net interest margin | 3.3840% | 3,952 |
| Noninterest income to average assets | 0.3662% | 4,323 |
| Noninterest expense to average assets | 2.5716% | 4,000 |
| Loan and lease loss provision to assets | 0.0062% | 3,971 |
| Net operating income to assets | 0.6289% | 4,220 |
| Return on assets (ROA) | 0.6308% | 4,327 |
| Pretax return on assets | 0.9915% | 3,618 |
| Return on Equity (ROE) | 5.5959% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,471 |
| Net charge-offs to loans | 0.0281% | 3,100 |
| Credit loss provision to net charge-offs | 29.6610% | 2,930 |
| Earnings coverage of net charge-offs (x) | 47.2839% | 998 |
| Efficiency ratio | 70.7809% | 3,198 |
| Assets per employee ($millions) | 7.5637% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,867 |
| Loan loss allowance to noncurrent loans | 125.7790% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 3,174 |
| Noncurrent loans to loans | 0.9438% | 2,765 |
| Net loans and leases to total assets | 73.3358% | 1,763 |
| Net loans and leases to deposits | 91.0201% | 1,484 |
| Net loans and leases to core deposits | 106.4421% | 1,052 |
| Total domestic deposits to total assets | 80.5709% | 4,725 |
| Equity capital to assets | 11.2336% | 2,637 |
| Core capital (leverage) ratio | 9.2999% | 4,553 |
| Tier 1 risk-based capital ratio | 11.4947% | 5,467 |
| Total risk-based capital ratio | 12.6371% | 5,458 |
| Memoranda: | ||
| Average total assets | $6,730,274,000 | 158 |
| Average earning assets | $6,364,750,670 | 151 |
| Average equity | $758,694,330 | 165 |
| Average total loans | $5,038,056,670 | 148 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 4,240 |
| Cost of funding earning assets | 0.3115% | 4,313 |
| Net interest margin | 3.4257% | 3,733 |
| Noninterest income to average assets | 0.2783% | 4,947 |
| Noninterest expense to average assets | 2.6000% | 3,923 |
| Loan and lease loss provision to assets | -0.0516% | 6,163 |
| Net operating income to assets | 0.6042% | 4,273 |
| Return on assets (ROA) | 0.6081% | 4,342 |
| Pretax return on assets | 0.9766% | 3,574 |
| Return on Equity (ROE) | 5.3845% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.3845% | 2,839 |
| Net charge-offs to loans | -0.0183% | 5,001 |
| Credit loss provision to net charge-offs | 374.7826% | 702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5312% | 3,081 |
| Assets per employee ($millions) | 7.3851% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 3,987 |
| Loan loss allowance to noncurrent loans | 110.5719% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 2,956 |
| Noncurrent loans to loans | 1.0847% | 2,589 |
| Net loans and leases to total assets | 73.2676% | 1,603 |
| Net loans and leases to deposits | 90.4286% | 1,346 |
| Net loans and leases to core deposits | 105.0704% | 998 |
| Total domestic deposits to total assets | 81.0226% | 4,816 |
| Equity capital to assets | 11.3110% | 2,635 |
| Core capital (leverage) ratio | 9.1038% | 4,840 |
| Tier 1 risk-based capital ratio | 11.4351% | 5,591 |
| Total risk-based capital ratio | 12.5959% | 5,543 |
| Memoranda: | ||
| Average total assets | $6,684,188,000 | 156 |
| Average earning assets | $6,323,396,500 | 150 |
| Average equity | $754,837,500 | 163 |
| Average total loans | $5,025,385,500 | 147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,072 |
| Cost of funding earning assets | 0.3020% | 4,772 |
| Net interest margin | 3.6127% | 3,365 |
| Noninterest income to average assets | 0.5257% | 3,318 |
| Noninterest expense to average assets | 3.0641% | 2,641 |
| Loan and lease loss provision to assets | 0.0448% | 3,679 |
| Net operating income to assets | 0.5255% | 4,703 |
| Return on assets (ROA) | 0.5293% | 4,773 |
| Pretax return on assets | 0.8131% | 4,211 |
| Return on Equity (ROE) | 4.8473% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.8473% | 2,722 |
| Net charge-offs to loans | 0.0452% | 3,920 |
| Credit loss provision to net charge-offs | 129.2736% | 1,849 |
| Earnings coverage of net charge-offs (x) | 24.6111% | 1,525 |
| Efficiency ratio | 76.8649% | 2,381 |
| Assets per employee ($millions) | 7.2413% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,996 |
| Loan loss allowance to noncurrent loans | 85.8146% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.1118% | 2,527 |
| Noncurrent loans to loans | 1.3983% | 2,096 |
| Net loans and leases to total assets | 75.3127% | 1,361 |
| Net loans and leases to deposits | 93.0922% | 1,176 |
| Net loans and leases to core deposits | 107.5246% | 929 |
| Total domestic deposits to total assets | 80.9012% | 4,770 |
| Equity capital to assets | 11.2745% | 2,625 |
| Core capital (leverage) ratio | 9.0355% | 4,939 |
| Tier 1 risk-based capital ratio | 11.1142% | 5,862 |
| Total risk-based capital ratio | 12.2965% | 5,831 |
| Memoranda: | ||
| Average total assets | $6,641,026,000 | 154 |
| Average earning assets | $6,232,293,000 | 144 |
| Average equity | $725,151,800 | 164 |
| Average total loans | $5,086,995,600 | 137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 4,218 |
| Cost of funding earning assets | 0.2990% | 4,897 |
| Net interest margin | 3.5876% | 3,478 |
| Noninterest income to average assets | 0.5195% | 3,408 |
| Noninterest expense to average assets | 3.0271% | 2,712 |
| Loan and lease loss provision to assets | 0.0897% | 2,562 |
| Net operating income to assets | 0.4972% | 4,883 |
| Return on assets (ROA) | 0.4972% | 4,950 |
| Pretax return on assets | 0.7640% | 4,490 |
| Return on Equity (ROE) | 4.5906% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.5906% | 3,370 |
| Net charge-offs to loans | 0.0668% | 3,248 |
| Credit loss provision to net charge-offs | 175.1567% | 1,422 |
| Earnings coverage of net charge-offs (x) | 16.6724% | 1,951 |
| Efficiency ratio | 76.5580% | 2,404 |
| Assets per employee ($millions) | 6.3313% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 4,303 |
| Loan loss allowance to noncurrent loans | 102.6829% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9404% | 3,089 |
| Noncurrent loans to loans | 1.1548% | 2,749 |
| Net loans and leases to total assets | 74.7546% | 1,405 |
| Net loans and leases to deposits | 91.5890% | 1,273 |
| Net loans and leases to core deposits | 105.2519% | 1,005 |
| Total domestic deposits to total assets | 81.6196% | 4,622 |
| Equity capital to assets | 10.6430% | 3,377 |
| Core capital (leverage) ratio | 8.4662% | 5,688 |
| Tier 1 risk-based capital ratio | 10.5295% | 6,205 |
| Total risk-based capital ratio | 11.7003% | 6,171 |
| Memoranda: | ||
| Average total assets | $6,644,839,500 | 153 |
| Average earning assets | $6,225,602,000 | 143 |
| Average equity | $719,684,250 | 165 |
| Average total loans | $5,096,081,000 | 137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 4,088 |
| Cost of funding earning assets | 0.2992% | 4,976 |
| Net interest margin | 3.6140% | 3,307 |
| Noninterest income to average assets | 0.5013% | 3,475 |
| Noninterest expense to average assets | 3.0893% | 2,539 |
| Loan and lease loss provision to assets | 0.0774% | 2,729 |
| Net operating income to assets | 0.4379% | 5,064 |
| Return on assets (ROA) | 0.4379% | 5,144 |
| Pretax return on assets | 0.7118% | 4,600 |
| Return on Equity (ROE) | 4.0192% | 5,138 |
| Retained earnings to average equity (ytd only) | 4.0192% | 3,621 |
| Net charge-offs to loans | 0.0782% | 2,912 |
| Credit loss provision to net charge-offs | 128.4775% | 1,623 |
| Earnings coverage of net charge-offs (x) | 13.0966% | 2,001 |
| Efficiency ratio | 78.1893% | 2,265 |
| Assets per employee ($millions) | 5.9851% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 4,458 |
| Loan loss allowance to noncurrent loans | 104.6663% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 3,186 |
| Noncurrent loans to loans | 1.1398% | 2,953 |
| Net loans and leases to total assets | 74.2824% | 1,403 |
| Net loans and leases to deposits | 91.1719% | 1,254 |
| Net loans and leases to core deposits | 105.4666% | 929 |
| Total domestic deposits to total assets | 81.4751% | 4,818 |
| Equity capital to assets | 10.7813% | 3,112 |
| Core capital (leverage) ratio | 8.4776% | 5,654 |
| Tier 1 risk-based capital ratio | 10.6855% | 6,185 |
| Total risk-based capital ratio | 11.8625% | 6,157 |
| Memoranda: | ||
| Average total assets | $6,561,538,330 | 152 |
| Average earning assets | $6,131,727,670 | 143 |
| Average equity | $714,976,330 | 164 |
| Average total loans | $5,056,113,330 | 138 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,937 |
| Cost of funding earning assets | 0.2946% | 5,126 |
| Net interest margin | 3.6434% | 3,085 |
| Noninterest income to average assets | 0.5064% | 3,361 |
| Noninterest expense to average assets | 3.0297% | 2,770 |
| Loan and lease loss provision to assets | 0.1295% | 1,874 |
| Net operating income to assets | 0.4662% | 4,866 |
| Return on assets (ROA) | 0.4662% | 4,932 |
| Pretax return on assets | 0.7492% | 4,314 |
| Return on Equity (ROE) | 4.2553% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.2553% | 3,576 |
| Net charge-offs to loans | 0.1303% | 1,935 |
| Credit loss provision to net charge-offs | 127.3556% | 1,400 |
| Earnings coverage of net charge-offs (x) | 8.6401% | 2,004 |
| Efficiency ratio | 76.0460% | 2,801 |
| Assets per employee ($millions) | 5.8140% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 4,663 |
| Loan loss allowance to noncurrent loans | 101.1068% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 3,219 |
| Noncurrent loans to loans | 1.1805% | 3,075 |
| Net loans and leases to total assets | 76.3510% | 957 |
| Net loans and leases to deposits | 90.2493% | 1,117 |
| Net loans and leases to core deposits | 103.5200% | 887 |
| Total domestic deposits to total assets | 84.6001% | 4,045 |
| Equity capital to assets | 10.9024% | 2,820 |
| Core capital (leverage) ratio | 8.5948% | 5,531 |
| Tier 1 risk-based capital ratio | 10.4852% | 6,339 |
| Total risk-based capital ratio | 11.6570% | 6,322 |
| Memoranda: | ||
| Average total assets | $6,469,729,000 | 156 |
| Average earning assets | $6,041,354,000 | 147 |
| Average equity | $708,857,000 | 164 |
| Average total loans | $5,048,691,000 | 138 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 3,423 |
| Cost of funding earning assets | 0.3201% | 5,423 |
| Net interest margin | 3.8580% | 2,438 |
| Noninterest income to average assets | 0.7170% | 2,455 |
| Noninterest expense to average assets | 3.1114% | 2,696 |
| Loan and lease loss provision to assets | 0.1897% | 1,943 |
| Net operating income to assets | 0.6505% | 4,029 |
| Return on assets (ROA) | 0.6505% | 4,137 |
| Pretax return on assets | 1.0158% | 3,289 |
| Return on Equity (ROE) | 5.7696% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.7696% | 2,120 |
| Net charge-offs to loans | 0.1314% | 3,494 |
| Credit loss provision to net charge-offs | 184.6190% | 1,240 |
| Earnings coverage of net charge-offs (x) | 11.7298% | 2,208 |
| Efficiency ratio | 70.6745% | 3,730 |
| Assets per employee ($millions) | 5.7232% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 4,716 |
| Loan loss allowance to noncurrent loans | 109.5250% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 3,407 |
| Noncurrent loans to loans | 1.0860% | 3,361 |
| Net loans and leases to total assets | 77.8787% | 839 |
| Net loans and leases to deposits | 93.0166% | 958 |
| Net loans and leases to core deposits | 105.5938% | 815 |
| Total domestic deposits to total assets | 83.7256% | 4,273 |
| Equity capital to assets | 11.0120% | 2,601 |
| Core capital (leverage) ratio | 8.6659% | 5,456 |
| Tier 1 risk-based capital ratio | 10.4629% | 6,375 |
| Total risk-based capital ratio | 11.6455% | 6,354 |
| Memoranda: | ||
| Average total assets | $6,155,410,200 | 156 |
| Average earning assets | $5,743,651,000 | 148 |
| Average equity | $694,037,600 | 159 |
| Average total loans | $4,814,460,400 | 136 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 3,324 |
| Cost of funding earning assets | 0.3188% | 5,565 |
| Net interest margin | 3.8974% | 2,284 |
| Noninterest income to average assets | 0.7675% | 2,290 |
| Noninterest expense to average assets | 3.1730% | 2,442 |
| Loan and lease loss provision to assets | 0.1565% | 2,302 |
| Net operating income to assets | 0.6877% | 3,918 |
| Return on assets (ROA) | 0.6877% | 4,057 |
| Pretax return on assets | 1.0738% | 3,213 |
| Return on Equity (ROE) | 6.0622% | 4,156 |
| Retained earnings to average equity (ytd only) | 6.0622% | 2,369 |
| Net charge-offs to loans | 0.1062% | 3,476 |
| Credit loss provision to net charge-offs | 188.7863% | 1,279 |
| Earnings coverage of net charge-offs (x) | 14.8412% | 1,910 |
| Efficiency ratio | 70.6742% | 3,647 |
| Assets per employee ($millions) | 5.7606% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 4,924 |
| Loan loss allowance to noncurrent loans | 95.2258% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 3,395 |
| Noncurrent loans to loans | 1.2462% | 3,319 |
| Net loans and leases to total assets | 74.3145% | 1,248 |
| Net loans and leases to deposits | 90.6199% | 1,096 |
| Net loans and leases to core deposits | 102.8079% | 944 |
| Total domestic deposits to total assets | 82.0068% | 4,928 |
| Equity capital to assets | 10.7798% | 2,973 |
| Core capital (leverage) ratio | 8.3718% | 5,890 |
| Tier 1 risk-based capital ratio | 10.6738% | 6,401 |
| Total risk-based capital ratio | 11.8694% | 6,388 |
| Memoranda: | ||
| Average total assets | $6,096,049,000 | 153 |
| Average earning assets | $5,686,726,000 | 148 |
| Average equity | $691,552,500 | 157 |
| Average total loans | $4,758,424,250 | 135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,997 |
| Cost of funding earning assets | 0.3171% | 5,696 |
| Net interest margin | 3.9732% | 1,956 |
| Noninterest income to average assets | 0.8649% | 1,944 |
| Noninterest expense to average assets | 3.2000% | 2,354 |
| Loan and lease loss provision to assets | 0.1727% | 2,177 |
| Net operating income to assets | 0.7658% | 3,489 |
| Return on assets (ROA) | 0.7658% | 3,645 |
| Pretax return on assets | 1.1941% | 2,704 |
| Return on Equity (ROE) | 6.6308% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,076 |
| Net charge-offs to loans | 0.1139% | 3,223 |
| Credit loss provision to net charge-offs | 191.7008% | 1,241 |
| Earnings coverage of net charge-offs (x) | 15.1690% | 1,764 |
| Efficiency ratio | 68.7041% | 4,058 |
| Assets per employee ($millions) | 5.4331% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 5,019 |
| Loan loss allowance to noncurrent loans | 95.8125% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 3,339 |
| Noncurrent loans to loans | 1.2482% | 3,459 |
| Net loans and leases to total assets | 77.8616% | 765 |
| Net loans and leases to deposits | 93.2889% | 858 |
| Net loans and leases to core deposits | 106.9564% | 691 |
| Total domestic deposits to total assets | 83.4629% | 4,517 |
| Equity capital to assets | 11.4361% | 2,347 |
| Core capital (leverage) ratio | 8.8229% | 5,257 |
| Tier 1 risk-based capital ratio | 10.6070% | 6,474 |
| Total risk-based capital ratio | 11.8055% | 6,464 |
| Memoranda: | ||
| Average total assets | $5,963,999,000 | 156 |
| Average earning assets | $5,556,819,330 | 149 |
| Average equity | $688,788,670 | 157 |
| Average total loans | $4,717,036,330 | 134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 2,759 |
| Cost of funding earning assets | 0.3015% | 5,957 |
| Net interest margin | 4.0304% | 1,677 |
| Noninterest income to average assets | 0.8374% | 1,972 |
| Noninterest expense to average assets | 3.1606% | 2,482 |
| Loan and lease loss provision to assets | 0.2182% | 1,701 |
| Net operating income to assets | 0.7644% | 3,360 |
| Return on assets (ROA) | 0.7644% | 3,503 |
| Pretax return on assets | 1.2084% | 2,539 |
| Return on Equity (ROE) | 6.5854% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5854% | 2,375 |
| Net charge-offs to loans | 0.1297% | 2,629 |
| Credit loss provision to net charge-offs | 212.2945% | 1,041 |
| Earnings coverage of net charge-offs (x) | 13.8810% | 1,494 |
| Efficiency ratio | 67.5303% | 4,402 |
| Assets per employee ($millions) | 5.4577% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 5,213 |
| Loan loss allowance to noncurrent loans | 94.9943% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 3,446 |
| Noncurrent loans to loans | 1.2554% | 3,679 |
| Net loans and leases to total assets | 78.8248% | 527 |
| Net loans and leases to deposits | 95.7505% | 557 |
| Net loans and leases to core deposits | 108.9100% | 532 |
| Total domestic deposits to total assets | 82.3232% | 5,088 |
| Equity capital to assets | 11.6895% | 2,262 |
| Core capital (leverage) ratio | 8.8213% | 5,153 |
| Tier 1 risk-based capital ratio | 10.6362% | 6,541 |
| Total risk-based capital ratio | 11.8410% | 6,524 |
| Memoranda: | ||
| Average total assets | $5,919,769,500 | 160 |
| Average earning assets | $5,507,666,500 | 153 |
| Average equity | $687,100,000 | 161 |
| Average total loans | $4,690,763,500 | 136 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 2,656 |
| Cost of funding earning assets | 0.4606% | 5,498 |
| Net interest margin | 4.2246% | 1,592 |
| Noninterest income to average assets | 0.8089% | 2,226 |
| Noninterest expense to average assets | 3.2337% | 2,507 |
| Loan and lease loss provision to assets | 0.6065% | 903 |
| Net operating income to assets | 0.5649% | 4,407 |
| Return on assets (ROA) | 0.6512% | 4,247 |
| Pretax return on assets | 1.0199% | 3,471 |
| Return on Equity (ROE) | 5.7795% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.7795% | 2,206 |
| Net charge-offs to loans | 0.5257% | 2,150 |
| Credit loss provision to net charge-offs | 154.1067% | 1,755 |
| Earnings coverage of net charge-offs (x) | 3.7899% | 3,603 |
| Efficiency ratio | 67.0847% | 4,316 |
| Assets per employee ($millions) | 5.5256% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,255 |
| Loan loss allowance to noncurrent loans | 93.1222% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 3,460 |
| Noncurrent loans to loans | 1.2572% | 3,731 |
| Net loans and leases to total assets | 77.7809% | 704 |
| Net loans and leases to deposits | 92.9647% | 830 |
| Net loans and leases to core deposits | 102.8045% | 843 |
| Total domestic deposits to total assets | 83.6672% | 4,465 |
| Equity capital to assets | 11.5244% | 2,422 |
| Core capital (leverage) ratio | 8.5754% | 5,499 |
| Tier 1 risk-based capital ratio | 10.3638% | 6,595 |
| Total risk-based capital ratio | 11.5350% | 6,586 |
| Memoranda: | ||
| Average total assets | $5,828,749,800 | 158 |
| Average earning assets | $5,403,333,400 | 150 |
| Average equity | $656,783,400 | 160 |
| Average total loans | $4,363,727,400 | 137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 2,676 |
| Cost of funding earning assets | 0.4943% | 5,473 |
| Net interest margin | 4.2340% | 1,631 |
| Noninterest income to average assets | 0.7685% | 2,387 |
| Noninterest expense to average assets | 3.2389% | 2,454 |
| Loan and lease loss provision to assets | 0.7838% | 613 |
| Net operating income to assets | 0.4326% | 5,109 |
| Return on assets (ROA) | 0.5489% | 4,888 |
| Pretax return on assets | 0.8536% | 4,288 |
| Return on Equity (ROE) | 4.8996% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.8996% | 3,440 |
| Net charge-offs to loans | 0.6449% | 1,700 |
| Credit loss provision to net charge-offs | 164.4975% | 1,695 |
| Earnings coverage of net charge-offs (x) | 3.0553% | 3,810 |
| Efficiency ratio | 67.6259% | 4,148 |
| Assets per employee ($millions) | 5.6009% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 5,177 |
| Loan loss allowance to noncurrent loans | 105.1628% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.2847% | 3,721 |
| Noncurrent loans to loans | 1.1631% | 4,123 |
| Net loans and leases to total assets | 76.8646% | 860 |
| Net loans and leases to deposits | 92.6741% | 907 |
| Net loans and leases to core deposits | 102.2072% | 971 |
| Total domestic deposits to total assets | 82.9408% | 4,658 |
| Equity capital to assets | 11.5054% | 2,733 |
| Core capital (leverage) ratio | 8.4551% | 5,816 |
| Tier 1 risk-based capital ratio | 10.1696% | 6,761 |
| Total risk-based capital ratio | 11.3539% | 6,750 |
| Memoranda: | ||
| Average total assets | $5,805,089,250 | 160 |
| Average earning assets | $5,383,062,250 | 152 |
| Average equity | $650,320,750 | 162 |
| Average total loans | $4,289,197,250 | 136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 3,221 |
| Cost of funding earning assets | 0.5297% | 5,431 |
| Net interest margin | 4.1024% | 2,080 |
| Noninterest income to average assets | 0.7034% | 2,650 |
| Noninterest expense to average assets | 3.1889% | 2,628 |
| Loan and lease loss provision to assets | 0.9409% | 484 |
| Net operating income to assets | 0.2453% | 5,776 |
| Return on assets (ROA) | 0.4228% | 5,368 |
| Pretax return on assets | 0.6461% | 4,978 |
| Return on Equity (ROE) | 3.8083% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.8083% | 4,082 |
| Net charge-offs to loans | 0.8121% | 1,358 |
| Credit loss provision to net charge-offs | 159.6697% | 1,741 |
| Earnings coverage of net charge-offs (x) | 2.2298% | 3,874 |
| Efficiency ratio | 69.3918% | 3,869 |
| Assets per employee ($millions) | 5.8355% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 5,453 |
| Loan loss allowance to noncurrent loans | 98.3266% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 3,921 |
| Noncurrent loans to loans | 1.1970% | 4,155 |
| Net loans and leases to total assets | 73.7095% | 1,295 |
| Net loans and leases to deposits | 88.5004% | 1,323 |
| Net loans and leases to core deposits | 96.4664% | 1,394 |
| Total domestic deposits to total assets | 83.2873% | 4,631 |
| Equity capital to assets | 11.0837% | 3,032 |
| Core capital (leverage) ratio | 8.0755% | 6,185 |
| Tier 1 risk-based capital ratio | 10.1516% | 6,784 |
| Total risk-based capital ratio | 11.2925% | 6,793 |
| Memoranda: | ||
| Average total assets | $5,794,734,330 | 159 |
| Average earning assets | $5,366,807,000 | 151 |
| Average equity | $643,271,000 | 161 |
| Average total loans | $4,205,102,000 | 138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 3,232 |
| Cost of funding earning assets | 0.5620% | 5,416 |
| Net interest margin | 4.0944% | 2,112 |
| Noninterest income to average assets | 0.6965% | 2,675 |
| Noninterest expense to average assets | 3.1146% | 2,870 |
| Loan and lease loss provision to assets | 0.2232% | 2,717 |
| Net operating income to assets | 0.7274% | 3,745 |
| Return on assets (ROA) | 0.7259% | 3,985 |
| Pretax return on assets | 1.1471% | 3,127 |
| Return on Equity (ROE) | 6.5341% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.5341% | 2,663 |
| Net charge-offs to loans | 0.4834% | 1,883 |
| Credit loss provision to net charge-offs | 64.5593% | 3,024 |
| Earnings coverage of net charge-offs (x) | 3.9702% | 2,704 |
| Efficiency ratio | 67.9603% | 4,179 |
| Assets per employee ($millions) | 5.7521% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 6,308 |
| Loan loss allowance to noncurrent loans | 59.9985% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.7513% | 3,238 |
| Noncurrent loans to loans | 1.6405% | 3,639 |
| Net loans and leases to total assets | 69.3024% | 1,886 |
| Net loans and leases to deposits | 83.5966% | 1,717 |
| Net loans and leases to core deposits | 90.6894% | 1,783 |
| Total domestic deposits to total assets | 82.9010% | 4,971 |
| Equity capital to assets | 10.9089% | 3,020 |
| Core capital (leverage) ratio | 7.7118% | 6,476 |
| Tier 1 risk-based capital ratio | 10.0667% | 6,860 |
| Total risk-based capital ratio | 11.0004% | 6,924 |
| Memoranda: | ||
| Average total assets | $5,710,171,000 | 158 |
| Average earning assets | $5,286,452,500 | 153 |
| Average equity | $634,399,500 | 162 |
| Average total loans | $4,083,508,500 | 143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 2,938 |
| Cost of funding earning assets | 0.6579% | 5,781 |
| Net interest margin | 4.3292% | 1,608 |
| Noninterest income to average assets | 0.5191% | 3,723 |
| Noninterest expense to average assets | 3.2344% | 2,747 |
| Loan and lease loss provision to assets | 0.2670% | 3,546 |
| Net operating income to assets | 0.6249% | 3,861 |
| Return on assets (ROA) | 0.6204% | 4,083 |
| Pretax return on assets | 0.9833% | 3,305 |
| Return on Equity (ROE) | 5.1903% | 4,297 |
| Retained earnings to average equity (ytd only) | 1.1762% | 5,302 |
| Net charge-offs to loans | 0.3414% | 3,695 |
| Credit loss provision to net charge-offs | 115.6538% | 2,816 |
| Earnings coverage of net charge-offs (x) | 5.4464% | 2,791 |
| Efficiency ratio | 70.4184% | 3,860 |
| Assets per employee ($millions) | 5.4820% | 1,653 |
| Cash dividends to net income (ytd only)* | 77.3395% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 6,040 |
| Loan loss allowance to noncurrent loans | 48.1380% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 2,851 |
| Noncurrent loans to loans | 2.1572% | 3,000 |
| Net loans and leases to total assets | 72.3612% | 1,580 |
| Net loans and leases to deposits | 87.3607% | 1,468 |
| Net loans and leases to core deposits | 93.2224% | 1,776 |
| Total domestic deposits to total assets | 82.8303% | 4,820 |
| Equity capital to assets | 11.3224% | 2,666 |
| Core capital (leverage) ratio | 7.6517% | 6,565 |
| Tier 1 risk-based capital ratio | 9.5461% | 6,955 |
| Total risk-based capital ratio | 10.5349% | 6,988 |
| Memoranda: | ||
| Average total assets | $5,210,713,600 | 166 |
| Average earning assets | $4,781,523,600 | 160 |
| Average equity | $622,794,400 | 163 |
| Average total loans | $3,523,246,400 | 162 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 3,281 |
| Cost of funding earning assets | 0.6802% | 5,876 |
| Net interest margin | 4.2815% | 1,786 |
| Noninterest income to average assets | 0.3154% | 5,339 |
| Noninterest expense to average assets | 3.0609% | 3,316 |
| Loan and lease loss provision to assets | 0.3422% | 2,830 |
| Net operating income to assets | 0.8459% | 2,956 |
| Return on assets (ROA) | 0.8377% | 3,149 |
| Pretax return on assets | 0.8255% | 4,035 |
| Return on Equity (ROE) | 6.9098% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.9098% | 2,024 |
| Net charge-offs to loans | 0.0534% | 5,438 |
| Credit loss provision to net charge-offs | 969.3441% | 272 |
| Earnings coverage of net charge-offs (x) | 33.3117% | 869 |
| Efficiency ratio | 69.2370% | 4,085 |
| Assets per employee ($millions) | 6.3283% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 5,302 |
| Loan loss allowance to noncurrent loans | 48.3990% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 2.2905% | 2,797 |
| Noncurrent loans to loans | 2.5626% | 2,702 |
| Net loans and leases to total assets | 69.1774% | 2,244 |
| Net loans and leases to deposits | 84.8532% | 1,866 |
| Net loans and leases to core deposits | 90.4363% | 2,199 |
| Total domestic deposits to total assets | 81.5260% | 5,248 |
| Equity capital to assets | 11.9283% | 2,308 |
| Core capital (leverage) ratio | 8.0317% | 6,367 |
| Tier 1 risk-based capital ratio | 10.1218% | 6,920 |
| Total risk-based capital ratio | 11.2989% | 6,930 |
| Memoranda: | ||
| Average total assets | $5,125,087,000 | 165 |
| Average earning assets | $4,694,047,000 | 162 |
| Average equity | $621,303,000 | 164 |
| Average total loans | $3,388,922,750 | 163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9637% | 3,335 |
| Cost of funding earning assets | 0.7065% | 5,921 |
| Net interest margin | 4.2572% | 1,814 |
| Noninterest income to average assets | 0.4668% | 4,140 |
| Noninterest expense to average assets | 3.1296% | 3,145 |
| Loan and lease loss provision to assets | 0.3199% | 2,869 |
| Net operating income to assets | 0.5561% | 4,280 |
| Return on assets (ROA) | 0.5542% | 4,418 |
| Pretax return on assets | 0.9061% | 3,589 |
| Return on Equity (ROE) | 4.5455% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.5455% | 3,295 |
| Net charge-offs to loans | 0.1414% | 4,349 |
| Credit loss provision to net charge-offs | 349.5222% | 882 |
| Earnings coverage of net charge-offs (x) | 13.4262% | 1,548 |
| Efficiency ratio | 68.8589% | 4,355 |
| Assets per employee ($millions) | 6.2036% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,570 |
| Loan loss allowance to noncurrent loans | 44.9322% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 2,895 |
| Noncurrent loans to loans | 2.6591% | 2,740 |
| Net loans and leases to total assets | 65.2239% | 3,203 |
| Net loans and leases to deposits | 78.1367% | 3,101 |
| Net loans and leases to core deposits | 83.3869% | 3,308 |
| Total domestic deposits to total assets | 83.4741% | 4,557 |
| Equity capital to assets | 12.0228% | 2,072 |
| Core capital (leverage) ratio | 8.0051% | 6,294 |
| Tier 1 risk-based capital ratio | 10.4135% | 6,819 |
| Total risk-based capital ratio | 11.5164% | 6,883 |
| Memoranda: | ||
| Average total assets | $5,029,871,670 | 169 |
| Average earning assets | $4,598,023,000 | 165 |
| Average equity | $613,267,000 | 166 |
| Average total loans | $3,255,226,670 | 172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 3,094 |
| Cost of funding earning assets | 0.7296% | 5,980 |
| Net interest margin | 4.2747% | 1,650 |
| Noninterest income to average assets | 0.7074% | 2,535 |
| Noninterest expense to average assets | 3.2015% | 2,887 |
| Loan and lease loss provision to assets | 0.3758% | 2,312 |
| Net operating income to assets | 0.6327% | 3,851 |
| Return on assets (ROA) | 0.6251% | 3,958 |
| Pretax return on assets | 1.0214% | 3,052 |
| Return on Equity (ROE) | 5.0895% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.0895% | 3,125 |
| Net charge-offs to loans | 0.3754% | 2,568 |
| Credit loss provision to net charge-offs | 156.3215% | 1,834 |
| Earnings coverage of net charge-offs (x) | 5.8615% | 2,197 |
| Efficiency ratio | 66.1133% | 5,018 |
| Assets per employee ($millions) | 6.1449% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 5,777 |
| Loan loss allowance to noncurrent loans | 44.1207% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.1281% | 3,152 |
| Noncurrent loans to loans | 2.6479% | 2,850 |
| Net loans and leases to total assets | 62.1521% | 3,820 |
| Net loans and leases to deposits | 74.9520% | 3,599 |
| Net loans and leases to core deposits | 80.1923% | 3,720 |
| Total domestic deposits to total assets | 82.9226% | 4,962 |
| Equity capital to assets | 12.2290% | 1,771 |
| Core capital (leverage) ratio | 8.1366% | 6,075 |
| Tier 1 risk-based capital ratio | 10.6692% | 6,711 |
| Total risk-based capital ratio | 11.7217% | 6,808 |
| Memoranda: | ||
| Average total assets | $4,948,603,500 | 169 |
| Average earning assets | $4,518,572,500 | 166 |
| Average equity | $607,765,000 | 168 |
| Average total loans | $3,169,018,500 | 174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 4,758 |
| Cost of funding earning assets | 0.9672% | 5,858 |
| Net interest margin | 3.9893% | 3,066 |
| Noninterest income to average assets | 0.7374% | 2,607 |
| Noninterest expense to average assets | 3.1291% | 3,349 |
| Loan and lease loss provision to assets | 0.4690% | 3,320 |
| Net operating income to assets | 0.4867% | 4,163 |
| Return on assets (ROA) | 0.4836% | 4,333 |
| Pretax return on assets | 0.7839% | 3,687 |
| Return on Equity (ROE) | 3.8415% | 4,593 |
| Retained earnings to average equity (ytd only) | 3.8415% | 3,174 |
| Net charge-offs to loans | 0.4260% | 3,917 |
| Credit loss provision to net charge-offs | 183.4447% | 1,791 |
| Earnings coverage of net charge-offs (x) | 4.9196% | 2,767 |
| Efficiency ratio | 67.7741% | 4,606 |
| Assets per employee ($millions) | 6.0357% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,932 |
| Loan loss allowance to noncurrent loans | 48.9320% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.9285% | 3,440 |
| Noncurrent loans to loans | 2.2622% | 3,258 |
| Net loans and leases to total assets | 64.5024% | 3,759 |
| Net loans and leases to deposits | 78.7086% | 3,387 |
| Net loans and leases to core deposits | 84.6728% | 3,497 |
| Total domestic deposits to total assets | 81.9509% | 5,204 |
| Equity capital to assets | 12.3356% | 1,723 |
| Core capital (leverage) ratio | 8.0945% | 6,026 |
| Tier 1 risk-based capital ratio | 10.1865% | 6,880 |
| Total risk-based capital ratio | 11.1814% | 7,000 |
| Memoranda: | ||
| Average total assets | $4,623,902,400 | 179 |
| Average earning assets | $4,229,845,200 | 175 |
| Average equity | $582,138,800 | 171 |
| Average total loans | $2,775,145,200 | 187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 5,205 |
| Cost of funding earning assets | 1.0208% | 5,842 |
| Net interest margin | 3.8925% | 3,561 |
| Noninterest income to average assets | 0.5832% | 3,558 |
| Noninterest expense to average assets | 3.0450% | 3,594 |
| Loan and lease loss provision to assets | 0.3753% | 3,639 |
| Net operating income to assets | 0.4528% | 4,527 |
| Return on assets (ROA) | 0.4487% | 4,735 |
| Pretax return on assets | 0.7197% | 4,174 |
| Return on Equity (ROE) | 3.5446% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.5446% | 3,959 |
| Net charge-offs to loans | 0.2642% | 4,363 |
| Credit loss provision to net charge-offs | 242.2344% | 1,393 |
| Earnings coverage of net charge-offs (x) | 7.1100% | 2,385 |
| Efficiency ratio | 69.6686% | 4,139 |
| Assets per employee ($millions) | 6.1255% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 5,976 |
| Loan loss allowance to noncurrent loans | 43.3292% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 3,566 |
| Noncurrent loans to loans | 2.5172% | 3,100 |
| Net loans and leases to total assets | 61.9364% | 4,546 |
| Net loans and leases to deposits | 78.5101% | 3,735 |
| Net loans and leases to core deposits | 84.2305% | 3,904 |
| Total domestic deposits to total assets | 78.8897% | 6,048 |
| Equity capital to assets | 12.5098% | 1,854 |
| Core capital (leverage) ratio | 8.0679% | 6,247 |
| Tier 1 risk-based capital ratio | 10.8528% | 6,504 |
| Total risk-based capital ratio | 11.8215% | 6,711 |
| Memoranda: | ||
| Average total assets | $4,560,668,000 | 180 |
| Average earning assets | $4,174,902,750 | 174 |
| Average equity | $577,276,500 | 171 |
| Average total loans | $2,673,709,250 | 191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 5,633 |
| Cost of funding earning assets | 1.0807% | 5,783 |
| Net interest margin | 3.7609% | 4,087 |
| Noninterest income to average assets | 0.6103% | 3,256 |
| Noninterest expense to average assets | 3.1185% | 3,224 |
| Loan and lease loss provision to assets | 0.3612% | 3,541 |
| Net operating income to assets | 0.3870% | 4,808 |
| Return on assets (ROA) | 0.3800% | 5,010 |
| Pretax return on assets | 0.5605% | 4,698 |
| Return on Equity (ROE) | 2.9894% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.9894% | 4,218 |
| Net charge-offs to loans | 0.4008% | 3,378 |
| Credit loss provision to net charge-offs | 157.5828% | 2,504 |
| Earnings coverage of net charge-offs (x) | 4.0657% | 3,071 |
| Efficiency ratio | 73.2399% | 3,614 |
| Assets per employee ($millions) | 5.9655% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 6,257 |
| Loan loss allowance to noncurrent loans | 35.7466% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 1.8811% | 3,645 |
| Noncurrent loans to loans | 2.8888% | 2,766 |
| Net loans and leases to total assets | 57.5558% | 5,481 |
| Net loans and leases to deposits | 69.9878% | 5,279 |
| Net loans and leases to core deposits | 75.2091% | 5,296 |
| Total domestic deposits to total assets | 82.2369% | 4,889 |
| Equity capital to assets | 12.5457% | 1,767 |
| Core capital (leverage) ratio | 8.0535% | 6,194 |
| Tier 1 risk-based capital ratio | 11.4448% | 5,829 |
| Total risk-based capital ratio | 12.3446% | 6,127 |
| Memoranda: | ||
| Average total assets | $4,476,022,670 | 186 |
| Average earning assets | $4,094,249,330 | 179 |
| Average equity | $568,936,670 | 173 |
| Average total loans | $2,559,988,000 | 201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 6,070 |
| Cost of funding earning assets | 1.1351% | 5,732 |
| Net interest margin | 3.6158% | 4,652 |
| Noninterest income to average assets | 0.6684% | 2,822 |
| Noninterest expense to average assets | 3.0828% | 3,337 |
| Loan and lease loss provision to assets | 0.3721% | 3,138 |
| Net operating income to assets | 0.3922% | 4,867 |
| Return on assets (ROA) | 0.3791% | 5,063 |
| Pretax return on assets | 0.4995% | 4,961 |
| Return on Equity (ROE) | 2.9617% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.9617% | 4,349 |
| Net charge-offs to loans | 0.7063% | 2,088 |
| Credit loss provision to net charge-offs | 92.9603% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.2206% | 3,430 |
| Efficiency ratio | 73.7202% | 3,616 |
| Assets per employee ($millions) | 6.4870% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,483 |
| Loan loss allowance to noncurrent loans | 34.1361% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 1.8344% | 3,728 |
| Noncurrent loans to loans | 2.9267% | 2,751 |
| Net loans and leases to total assets | 54.9215% | 5,904 |
| Net loans and leases to deposits | 66.5458% | 5,763 |
| Net loans and leases to core deposits | 72.3727% | 5,668 |
| Total domestic deposits to total assets | 82.5319% | 4,836 |
| Equity capital to assets | 12.5472% | 1,729 |
| Core capital (leverage) ratio | 8.1016% | 6,070 |
| Tier 1 risk-based capital ratio | 12.1317% | 5,055 |
| Total risk-based capital ratio | 13.0053% | 5,384 |
| Memoranda: | ||
| Average total assets | $4,357,665,500 | 196 |
| Average earning assets | $3,981,110,000 | 190 |
| Average equity | $557,781,000 | 176 |
| Average total loans | $2,469,605,000 | 211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 5,066 |
| Cost of funding earning assets | 1.4225% | 5,836 |
| Net interest margin | 3.9016% | 3,262 |
| Noninterest income to average assets | 0.5677% | 3,884 |
| Noninterest expense to average assets | 3.8806% | 1,537 |
| Loan and lease loss provision to assets | 0.5672% | 3,543 |
| Net operating income to assets | 0.0585% | 5,315 |
| Return on assets (ROA) | 0.1441% | 5,136 |
| Pretax return on assets | -0.2340% | 5,741 |
| Return on Equity (ROE) | 1.0276% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.0276% | 4,316 |
| Net charge-offs to loans | 0.6647% | 3,189 |
| Credit loss provision to net charge-offs | 154.4530% | 2,955 |
| Earnings coverage of net charge-offs (x) | 0.5434% | 5,568 |
| Efficiency ratio | 90.3398% | 1,684 |
| Assets per employee ($millions) | 5.9994% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,946 |
| Loan loss allowance to noncurrent loans | 48.9681% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.4294% | 4,273 |
| Noncurrent loans to loans | 2.2255% | 3,366 |
| Net loans and leases to total assets | 57.3819% | 5,761 |
| Net loans and leases to deposits | 70.0575% | 5,596 |
| Net loans and leases to core deposits | 85.3066% | 5,592 |
| Total domestic deposits to total assets | 81.9068% | 4,992 |
| Equity capital to assets | 13.0833% | 1,478 |
| Core capital (leverage) ratio | 8.2218% | 5,773 |
| Tier 1 risk-based capital ratio | 11.4073% | 5,502 |
| Total risk-based capital ratio | 12.3345% | 5,794 |
| Memoranda: | ||
| Average total assets | $3,696,755,600 | 217 |
| Average earning assets | $3,328,105,400 | 215 |
| Average equity | $518,272,600 | 178 |
| Average total loans | $2,042,211,200 | 256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 4,658 |
| Cost of funding earning assets | 1.4827% | 5,895 |
| Net interest margin | 3.9725% | 2,932 |
| Noninterest income to average assets | 0.5164% | 4,351 |
| Noninterest expense to average assets | 3.9703% | 1,317 |
| Loan and lease loss provision to assets | 0.5709% | 3,102 |
| Net operating income to assets | -0.5497% | 6,479 |
| Return on assets (ROA) | -0.4211% | 6,340 |
| Pretax return on assets | -0.3344% | 6,134 |
| Return on Equity (ROE) | -2.9475% | 6,237 |
| Retained earnings to average equity (ytd only) | -2.9475% | 5,928 |
| Net charge-offs to loans | 0.7471% | 2,495 |
| Credit loss provision to net charge-offs | 140.3320% | 3,503 |
| Earnings coverage of net charge-offs (x) | 0.2650% | 5,751 |
| Efficiency ratio | 92.4843% | 1,505 |
| Assets per employee ($millions) | 4.5652% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,061 |
| Loan loss allowance to noncurrent loans | 40.5670% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 1.6879% | 3,843 |
| Noncurrent loans to loans | 2.5648% | 2,940 |
| Net loans and leases to total assets | 58.1452% | 5,868 |
| Net loans and leases to deposits | 71.4465% | 5,743 |
| Net loans and leases to core deposits | 85.7713% | 5,888 |
| Total domestic deposits to total assets | 81.3829% | 4,932 |
| Equity capital to assets | 13.8988% | 1,339 |
| Core capital (leverage) ratio | 8.4906% | 5,516 |
| Tier 1 risk-based capital ratio | 11.2033% | 5,748 |
| Total risk-based capital ratio | 12.0620% | 6,107 |
| Memoranda: | ||
| Average total assets | $3,593,550,000 | 229 |
| Average earning assets | $3,221,969,750 | 230 |
| Average equity | $513,423,250 | 183 |
| Average total loans | $1,956,730,250 | 281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 5,284 |
| Cost of funding earning assets | 1.5598% | 5,888 |
| Net interest margin | 3.8143% | 3,489 |
| Noninterest income to average assets | 0.5449% | 4,074 |
| Noninterest expense to average assets | 4.2080% | 1,064 |
| Loan and lease loss provision to assets | 0.5955% | 2,660 |
| Net operating income to assets | -0.9462% | 6,930 |
| Return on assets (ROA) | -0.7501% | 6,799 |
| Pretax return on assets | -0.6564% | 6,569 |
| Return on Equity (ROE) | -5.2000% | 6,633 |
| Retained earnings to average equity (ytd only) | -5.2000% | 6,332 |
| Net charge-offs to loans | 0.4700% | 2,952 |
| Credit loss provision to net charge-offs | 239.3815% | 1,946 |
| Earnings coverage of net charge-offs (x) | -1.0330% | 6,236 |
| Efficiency ratio | 101.0751% | 1,124 |
| Assets per employee ($millions) | 4.0989% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 5,148 |
| Loan loss allowance to noncurrent loans | 45.4569% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 1.7924% | 3,490 |
| Noncurrent loans to loans | 2.5734% | 2,818 |
| Net loans and leases to total assets | 57.6551% | 6,010 |
| Net loans and leases to deposits | 70.3704% | 5,942 |
| Net loans and leases to core deposits | 84.2556% | 6,073 |
| Total domestic deposits to total assets | 81.9308% | 4,716 |
| Equity capital to assets | 14.0389% | 1,303 |
| Core capital (leverage) ratio | 8.7005% | 5,089 |
| Tier 1 risk-based capital ratio | 11.3938% | 5,504 |
| Total risk-based capital ratio | 12.3428% | 5,702 |
| Memoranda: | ||
| Average total assets | $3,535,978,670 | 239 |
| Average earning assets | $3,157,635,330 | 237 |
| Average equity | $510,075,670 | 187 |
| Average total loans | $1,871,331,330 | 298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 5,043 |
| Cost of funding earning assets | 1.7347% | 5,453 |
| Net interest margin | 3.7406% | 3,707 |
| Noninterest income to average assets | 0.3668% | 5,497 |
| Noninterest expense to average assets | 3.9777% | 1,211 |
| Loan and lease loss provision to assets | 0.5419% | 2,304 |
| Net operating income to assets | -0.8152% | 7,137 |
| Return on assets (ROA) | -0.4212% | 6,870 |
| Pretax return on assets | -0.4265% | 6,761 |
| Return on Equity (ROE) | -2.8798% | 6,762 |
| Retained earnings to average equity (ytd only) | -2.8798% | 6,255 |
| Net charge-offs to loans | 0.2771% | 3,013 |
| Credit loss provision to net charge-offs | 390.4053% | 1,323 |
| Earnings coverage of net charge-offs (x) | -2.0356% | 5,470 |
| Efficiency ratio | 100.7488% | 1,101 |
| Assets per employee ($millions) | 3.8339% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 4,964 |
| Loan loss allowance to noncurrent loans | 60.4041% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 4,210 |
| Noncurrent loans to loans | 1.9451% | 3,349 |
| Net loans and leases to total assets | 55.6735% | 6,287 |
| Net loans and leases to deposits | 67.0307% | 6,270 |
| Net loans and leases to core deposits | 81.3957% | 6,277 |
| Total domestic deposits to total assets | 83.0567% | 4,117 |
| Equity capital to assets | 14.8843% | 1,133 |
| Core capital (leverage) ratio | 9.6050% | 3,862 |
| Tier 1 risk-based capital ratio | 12.7497% | 4,345 |
| Total risk-based capital ratio | 13.6808% | 4,510 |
| Memoranda: | ||
| Average total assets | $3,484,050,500 | 246 |
| Average earning assets | $3,100,058,000 | 244 |
| Average equity | $509,616,500 | 184 |
| Average total loans | $1,745,303,000 | 319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 8,155 |
| Cost of funding earning assets | 1.5477% | 7,539 |
| Net interest margin | 1.7589% | 8,139 |
| Noninterest income to average assets | 0.5615% | 4,146 |
| Noninterest expense to average assets | 2.5204% | 5,933 |
| Loan and lease loss provision to assets | 0.5786% | 2,510 |
| Net operating income to assets | -0.9515% | 7,223 |
| Return on assets (ROA) | -0.9249% | 7,127 |
| Pretax return on assets | -0.9344% | 6,961 |
| Return on Equity (ROE) | -7.8644% | 7,117 |
| Retained earnings to average equity (ytd only) | -7.8644% | 6,876 |
| Net charge-offs to loans | 0.4006% | 2,811 |
| Credit loss provision to net charge-offs | 226.3237% | 2,099 |
| Earnings coverage of net charge-offs (x) | -1.4971% | 6,663 |
| Efficiency ratio | 112.9602% | 655 |
| Assets per employee ($millions) | 3.6818% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 4,509 |
| Loan loss allowance to noncurrent loans | 63.4227% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 4,278 |
| Noncurrent loans to loans | 1.8968% | 2,910 |
| Net loans and leases to total assets | 43.6265% | 7,493 |
| Net loans and leases to deposits | 53.0279% | 7,487 |
| Net loans and leases to core deposits | 65.0929% | 7,392 |
| Total domestic deposits to total assets | 82.2709% | 4,093 |
| Equity capital to assets | 14.3825% | 1,329 |
| Core capital (leverage) ratio | 9.0572% | 4,658 |
| Tier 1 risk-based capital ratio | 14.2233% | 3,435 |
| Total risk-based capital ratio | 15.1094% | 3,534 |
| Memoranda: | ||
| Average total assets | $3,139,900,000 | 250 |
| Average earning assets | $2,813,678,200 | 250 |
| Average equity | $369,257,600 | 235 |
| Average total loans | $2,003,675,600 | 272 |