Home > Northwest Bank > Performance and Condition Ratios
Northwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 2,813 |
| Cost of funding earning assets | 1.0540% | 3,186 |
| Net interest margin | 3.5813% | 2,003 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.5440% | 2,176 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.0764% | 1,985 |
| Return on assets (ROA) | 1.0306% | 2,097 |
| Pretax return on assets | 1.3342% | 1,783 |
| Return on Equity (ROE) | 9.9200% | 2,519 |
| Retained earnings to average equity (ytd only) | -4.5006% | 4,380 |
| Net charge-offs to loans | 0.1061% | 868 |
| Credit loss provision to net charge-offs | 157.0647% | 1,431 |
| Earnings coverage of net charge-offs (x) | 18.7355% | 1,923 |
| Efficiency ratio | 61.5608% | 2,898 |
| Assets per employee ($millions) | 6.8985% | 2,140 |
| Cash dividends to net income (ytd only)* | 145.3832% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 2,859 |
| Loan loss allowance to noncurrent loans | 129.0074% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 790 |
| Noncurrent loans to loans | 0.8503% | 897 |
| Net loans and leases to total assets | 78.0200% | 867 |
| Net loans and leases to deposits | 91.5260% | 1,138 |
| Net loans and leases to core deposits | 102.3086% | 1,317 |
| Total domestic deposits to total assets | 85.2400% | 2,230 |
| Equity capital to assets | 10.4183% | 1,770 |
| Core capital (leverage) ratio | 9.6966% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5635% | 2,038 |
| Memoranda: | ||
| Average total assets | $14,349,735,400 | 126 |
| Average earning assets | $13,100,992,200 | 121 |
| Average equity | $1,491,327,400 | 123 |
| Average total loans | $11,204,898,000 | 114 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 2,825 |
| Cost of funding earning assets | 0.9248% | 3,216 |
| Net interest margin | 3.6129% | 1,969 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.5245% | 2,149 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.1371% | 1,949 |
| Return on assets (ROA) | 1.0760% | 2,118 |
| Pretax return on assets | 1.4005% | 1,779 |
| Return on Equity (ROE) | 10.3600% | 2,542 |
| Retained earnings to average equity (ytd only) | -5.9576% | 4,440 |
| Net charge-offs to loans | 0.1014% | 778 |
| Credit loss provision to net charge-offs | 175.1886% | 1,209 |
| Earnings coverage of net charge-offs (x) | 20.4663% | 1,807 |
| Efficiency ratio | 60.3864% | 2,923 |
| Assets per employee ($millions) | 6.9177% | 2,023 |
| Cash dividends to net income (ytd only)* | 157.5052% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 2,851 |
| Loan loss allowance to noncurrent loans | 161.3308% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 1,081 |
| Noncurrent loans to loans | 0.6840% | 1,209 |
| Net loans and leases to total assets | 77.6000% | 930 |
| Net loans and leases to deposits | 92.2646% | 1,031 |
| Net loans and leases to core deposits | 96.8244% | 1,514 |
| Total domestic deposits to total assets | 84.1100% | 2,746 |
| Equity capital to assets | 10.1220% | 1,759 |
| Core capital (leverage) ratio | 9.6560% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6522% | 2,027 |
| Memoranda: | ||
| Average total assets | $14,318,889,750 | 126 |
| Average earning assets | $13,075,645,000 | 122 |
| Average equity | $1,487,196,500 | 121 |
| Average total loans | $11,151,834,250 | 115 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,837 |
| Cost of funding earning assets | 0.7826% | 3,259 |
| Net interest margin | 3.6391% | 1,945 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.5254% | 2,133 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.1136% | 2,088 |
| Return on assets (ROA) | 1.0217% | 2,342 |
| Pretax return on assets | 1.3365% | 1,971 |
| Return on Equity (ROE) | 9.7500% | 2,776 |
| Retained earnings to average equity (ytd only) | -9.2252% | 4,499 |
| Net charge-offs to loans | 0.0886% | 736 |
| Credit loss provision to net charge-offs | 221.1832% | 1,005 |
| Earnings coverage of net charge-offs (x) | 23.9282% | 1,663 |
| Efficiency ratio | 59.9277% | 2,972 |
| Assets per employee ($millions) | 7.0988% | 1,852 |
| Cash dividends to net income (ytd only)* | 194.5783% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 2,944 |
| Loan loss allowance to noncurrent loans | 157.2566% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 979 |
| Noncurrent loans to loans | 0.7016% | 1,063 |
| Net loans and leases to total assets | 77.5900% | 879 |
| Net loans and leases to deposits | 92.6048% | 974 |
| Net loans and leases to core deposits | 97.0884% | 1,406 |
| Total domestic deposits to total assets | 83.7800% | 2,876 |
| Equity capital to assets | 10.3210% | 1,683 |
| Core capital (leverage) ratio | 9.6995% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8390% | 1,964 |
| Memoranda: | ||
| Average total assets | $14,286,329,667 | 122 |
| Average earning assets | $13,063,246,000 | 119 |
| Average equity | $1,496,513,667 | 119 |
| Average total loans | $11,098,277,333 | 114 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,869 |
| Cost of funding earning assets | 0.5877% | 3,411 |
| Net interest margin | 3.6859% | 1,930 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.5443% | 2,122 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.0314% | 2,432 |
| Return on assets (ROA) | 1.0314% | 2,401 |
| Pretax return on assets | 1.3437% | 2,043 |
| Return on Equity (ROE) | 9.7700% | 2,857 |
| Retained earnings to average equity (ytd only) | -28.0186% | 4,632 |
| Net charge-offs to loans | 0.0754% | 696 |
| Credit loss provision to net charge-offs | 234.6988% | 767 |
| Earnings coverage of net charge-offs (x) | 25.4636% | 1,368 |
| Efficiency ratio | 62.5275% | 2,629 |
| Assets per employee ($millions) | 6.9072% | 2,038 |
| Cash dividends to net income (ytd only)* | 386.6681% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,093 |
| Loan loss allowance to noncurrent loans | 152.9844% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 926 |
| Noncurrent loans to loans | 0.7144% | 1,062 |
| Net loans and leases to total assets | 76.9000% | 882 |
| Net loans and leases to deposits | 91.9736% | 919 |
| Net loans and leases to core deposits | 93.8361% | 1,401 |
| Total domestic deposits to total assets | 83.6100% | 3,170 |
| Equity capital to assets | 10.2089% | 1,718 |
| Core capital (leverage) ratio | 9.5198% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6949% | 2,097 |
| Memoranda: | ||
| Average total assets | $14,241,964,500 | 125 |
| Average earning assets | $13,021,615,000 | 121 |
| Average equity | $1,502,944,500 | 122 |
| Average total loans | $11,008,723,500 | 116 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5658% | 2,895 |
| Cost of funding earning assets | 0.1405% | 4,174 |
| Net interest margin | 3.4253% | 2,167 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.4100% | 2,396 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.9976% | 2,573 |
| Return on assets (ROA) | 0.9976% | 2,526 |
| Pretax return on assets | 1.2942% | 2,107 |
| Return on Equity (ROE) | 9.2300% | 3,056 |
| Retained earnings to average equity (ytd only) | -1.1762% | 4,458 |
| Net charge-offs to loans | 0.0198% | 1,698 |
| Credit loss provision to net charge-offs | 864.8910% | 474 |
| Earnings coverage of net charge-offs (x) | 103.4349% | 961 |
| Efficiency ratio | 60.9978% | 2,911 |
| Assets per employee ($millions) | 6.5804% | 2,271 |
| Cash dividends to net income (ytd only)* | 112.7439% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 2,985 |
| Loan loss allowance to noncurrent loans | 143.9815% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 866 |
| Noncurrent loans to loans | 0.7505% | 1,001 |
| Net loans and leases to total assets | 76.0200% | 1,007 |
| Net loans and leases to deposits | 91.9522% | 916 |
| Net loans and leases to core deposits | 92.8097% | 1,350 |
| Total domestic deposits to total assets | 82.6700% | 3,495 |
| Equity capital to assets | 10.8984% | 1,298 |
| Core capital (leverage) ratio | 10.3652% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7122% | 1,727 |
| Memoranda: | ||
| Average total assets | $14,315,813,600 | 129 |
| Average earning assets | $13,118,419,000 | 128 |
| Average equity | $1,547,335,800 | 123 |
| Average total loans | $10,452,656,600 | 119 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 2,920 |
| Cost of funding earning assets | 0.1079% | 4,218 |
| Net interest margin | 3.2935% | 2,317 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.3504% | 2,473 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9797% | 2,544 |
| Return on assets (ROA) | 0.9797% | 2,524 |
| Pretax return on assets | 1.2692% | 2,140 |
| Return on Equity (ROE) | 9.0800% | 3,008 |
| Retained earnings to average equity (ytd only) | -4.7953% | 4,596 |
| Net charge-offs to loans | 0.0162% | 1,532 |
| Credit loss provision to net charge-offs | 701.9063% | 513 |
| Earnings coverage of net charge-offs (x) | 122.2701% | 835 |
| Efficiency ratio | 61.3317% | 2,925 |
| Assets per employee ($millions) | 6.4063% | 2,403 |
| Cash dividends to net income (ytd only)* | 152.7971% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,375 |
| Loan loss allowance to noncurrent loans | 130.7618% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 887 |
| Noncurrent loans to loans | 0.7817% | 1,032 |
| Net loans and leases to total assets | 75.7700% | 927 |
| Net loans and leases to deposits | 87.4313% | 1,072 |
| Net loans and leases to core deposits | 88.0953% | 1,405 |
| Total domestic deposits to total assets | 86.6600% | 2,866 |
| Equity capital to assets | 10.6199% | 1,320 |
| Core capital (leverage) ratio | 10.3476% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3735% | 1,914 |
| Memoranda: | ||
| Average total assets | $14,341,347,750 | 130 |
| Average earning assets | $13,159,255,250 | 128 |
| Average equity | $1,546,905,500 | 125 |
| Average total loans | $10,335,081,250 | 119 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1946% | 3,062 |
| Cost of funding earning assets | 0.1102% | 4,079 |
| Net interest margin | 3.0844% | 2,583 |
| Noninterest income to average assets | 0.7658% | 1,138 |
| Noninterest expense to average assets | 2.4179% | 2,173 |
| Loan and lease loss provision to assets | 0.0159% | 2,314 |
| Net operating income to assets | 0.9094% | 2,543 |
| Return on assets (ROA) | 0.9094% | 2,514 |
| Pretax return on assets | 1.1658% | 2,186 |
| Return on Equity (ROE) | 8.3888% | 2,902 |
| Retained earnings to average equity (ytd only) | -12.1792% | 4,687 |
| Net charge-offs to loans | 0.0987% | 596 |
| Credit loss provision to net charge-offs | 22.8049% | 1,595 |
| Earnings coverage of net charge-offs (x) | 16.9525% | 1,610 |
| Efficiency ratio | 66.2865% | 2,473 |
| Assets per employee ($millions) | 6.5122% | 2,304 |
| Cash dividends to net income (ytd only)* | 245.1850% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,826 |
| Loan loss allowance to noncurrent loans | 99.5859% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 768 |
| Noncurrent loans to loans | 0.9464% | 883 |
| Net loans and leases to total assets | 72.5493% | 1,052 |
| Net loans and leases to deposits | 83.2774% | 1,169 |
| Net loans and leases to core deposits | 83.9369% | 1,454 |
| Total domestic deposits to total assets | 87.1177% | 2,897 |
| Equity capital to assets | 10.5167% | 1,421 |
| Core capital (leverage) ratio | 9.8782% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2469% | 1,959 |
| Memoranda: | ||
| Average total assets | $14,443,092,667 | 130 |
| Average earning assets | $13,269,432,333 | 128 |
| Average equity | $1,565,665,333 | 124 |
| Average total loans | $10,198,673,000 | 119 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0154% | 3,209 |
| Cost of funding earning assets | 0.1153% | 3,945 |
| Net interest margin | 2.9002% | 2,836 |
| Noninterest income to average assets | 0.6978% | 1,321 |
| Noninterest expense to average assets | 2.3470% | 2,352 |
| Loan and lease loss provision to assets | -0.0407% | 4,498 |
| Net operating income to assets | 0.8333% | 2,541 |
| Return on assets (ROA) | 0.8333% | 2,539 |
| Pretax return on assets | 1.0574% | 2,272 |
| Return on Equity (ROE) | 7.5763% | 2,846 |
| Retained earnings to average equity (ytd only) | -32.6925% | 4,754 |
| Net charge-offs to loans | 0.0581% | 727 |
| Credit loss provision to net charge-offs | -101.0922% | 2,887 |
| Earnings coverage of net charge-offs (x) | 25.2273% | 1,200 |
| Efficiency ratio | 68.8067% | 2,397 |
| Assets per employee ($millions) | 6.3820% | 2,465 |
| Cash dividends to net income (ytd only)* | 531.5110% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,804 |
| Loan loss allowance to noncurrent loans | 79.7032% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 616 |
| Noncurrent loans to loans | 1.2284% | 717 |
| Net loans and leases to total assets | 69.3788% | 1,073 |
| Net loans and leases to deposits | 79.1547% | 1,205 |
| Net loans and leases to core deposits | 79.8569% | 1,492 |
| Total domestic deposits to total assets | 87.6497% | 2,687 |
| Equity capital to assets | 10.3755% | 1,640 |
| Core capital (leverage) ratio | 9.4281% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2379% | 2,099 |
| Memoranda: | ||
| Average total assets | $14,540,301,000 | 129 |
| Average earning assets | $13,365,507,500 | 129 |
| Average equity | $1,599,251,500 | 123 |
| Average total loans | $10,080,172,500 | 117 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 3,011 |
| Cost of funding earning assets | 0.1481% | 3,995 |
| Net interest margin | 3.2195% | 2,557 |
| Noninterest income to average assets | 0.9980% | 1,009 |
| Noninterest expense to average assets | 2.5571% | 2,002 |
| Loan and lease loss provision to assets | -0.0827% | 4,487 |
| Net operating income to assets | 1.1280% | 2,181 |
| Return on assets (ROA) | 1.1270% | 2,240 |
| Pretax return on assets | 1.4668% | 1,830 |
| Return on Equity (ROE) | 9.9594% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.4692% | 2,580 |
| Net charge-offs to loans | 0.1971% | 493 |
| Credit loss provision to net charge-offs | -58.5283% | 3,275 |
| Earnings coverage of net charge-offs (x) | 9.8047% | 2,245 |
| Efficiency ratio | 63.8799% | 2,584 |
| Assets per employee ($millions) | 6.2634% | 2,516 |
| Cash dividends to net income (ytd only)* | 45.0853% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,660 |
| Loan loss allowance to noncurrent loans | 64.3827% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 481 |
| Noncurrent loans to loans | 1.5850% | 557 |
| Net loans and leases to total assets | 67.8933% | 1,278 |
| Net loans and leases to deposits | 78.9604% | 1,300 |
| Net loans and leases to core deposits | 79.7509% | 1,614 |
| Total domestic deposits to total assets | 85.9840% | 2,913 |
| Equity capital to assets | 11.6164% | 1,444 |
| Core capital (leverage) ratio | 10.2964% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7384% | 1,603 |
| Memoranda: | ||
| Average total assets | $14,369,107,000 | 128 |
| Average earning assets | $13,141,646,600 | 130 |
| Average equity | $1,626,041,200 | 128 |
| Average total loans | $10,300,474,400 | 117 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 3,047 |
| Cost of funding earning assets | 0.1541% | 4,076 |
| Net interest margin | 3.2666% | 2,525 |
| Noninterest income to average assets | 1.0837% | 940 |
| Noninterest expense to average assets | 2.5796% | 1,899 |
| Loan and lease loss provision to assets | -0.0929% | 4,585 |
| Net operating income to assets | 1.2132% | 2,123 |
| Return on assets (ROA) | 1.2119% | 2,183 |
| Pretax return on assets | 1.5760% | 1,775 |
| Return on Equity (ROE) | 10.7826% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.7300% | 3,320 |
| Net charge-offs to loans | 0.1888% | 446 |
| Credit loss provision to net charge-offs | -67.9150% | 3,176 |
| Earnings coverage of net charge-offs (x) | 10.8502% | 2,022 |
| Efficiency ratio | 62.4731% | 2,617 |
| Assets per employee ($millions) | 6.0219% | 2,672 |
| Cash dividends to net income (ytd only)* | 56.1332% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,551 |
| Loan loss allowance to noncurrent loans | 61.9005% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 474 |
| Noncurrent loans to loans | 1.7382% | 573 |
| Net loans and leases to total assets | 69.7121% | 1,106 |
| Net loans and leases to deposits | 80.9788% | 1,192 |
| Net loans and leases to core deposits | 81.8351% | 1,582 |
| Total domestic deposits to total assets | 86.0869% | 2,713 |
| Equity capital to assets | 11.3912% | 1,747 |
| Core capital (leverage) ratio | 10.1011% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2921% | 1,863 |
| Memoranda: | ||
| Average total assets | $14,309,840,000 | 128 |
| Average earning assets | $13,056,936,500 | 129 |
| Average equity | $1,608,373,000 | 130 |
| Average total loans | $10,370,877,750 | 118 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 3,013 |
| Cost of funding earning assets | 0.1614% | 4,107 |
| Net interest margin | 3.2960% | 2,449 |
| Noninterest income to average assets | 1.2190% | 782 |
| Noninterest expense to average assets | 2.5988% | 1,857 |
| Loan and lease loss provision to assets | -0.0789% | 4,577 |
| Net operating income to assets | 1.3080% | 1,843 |
| Return on assets (ROA) | 1.3066% | 1,918 |
| Pretax return on assets | 1.6965% | 1,483 |
| Return on Equity (ROE) | 11.6786% | 2,174 |
| Retained earnings to average equity (ytd only) | 2.5223% | 3,993 |
| Net charge-offs to loans | 0.2201% | 396 |
| Credit loss provision to net charge-offs | -48.9675% | 2,982 |
| Earnings coverage of net charge-offs (x) | 10.0562% | 1,814 |
| Efficiency ratio | 60.6023% | 2,927 |
| Assets per employee ($millions) | 6.0433% | 2,569 |
| Cash dividends to net income (ytd only)* | 78.4024% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,253 |
| Loan loss allowance to noncurrent loans | 56.6642% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 405 |
| Noncurrent loans to loans | 2.0079% | 487 |
| Net loans and leases to total assets | 70.7941% | 1,114 |
| Net loans and leases to deposits | 82.1232% | 1,210 |
| Net loans and leases to core deposits | 83.0677% | 1,635 |
| Total domestic deposits to total assets | 86.2047% | 2,664 |
| Equity capital to assets | 11.2301% | 1,811 |
| Core capital (leverage) ratio | 9.8547% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8389% | 2,035 |
| Memoranda: | ||
| Average total assets | $14,254,207,667 | 127 |
| Average earning assets | $12,970,534,333 | 127 |
| Average equity | $1,594,807,667 | 130 |
| Average total loans | $10,427,233,333 | 116 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 2,715 |
| Cost of funding earning assets | 0.1739% | 4,130 |
| Net interest margin | 3.4029% | 2,104 |
| Noninterest income to average assets | 0.8992% | 1,329 |
| Noninterest expense to average assets | 2.6225% | 1,822 |
| Loan and lease loss provision to assets | -0.1585% | 4,782 |
| Net operating income to assets | 1.1883% | 2,193 |
| Return on assets (ROA) | 1.1878% | 2,267 |
| Pretax return on assets | 1.5292% | 1,922 |
| Return on Equity (ROE) | 10.6369% | 2,484 |
| Retained earnings to average equity (ytd only) | -7.8023% | 4,771 |
| Net charge-offs to loans | 0.1835% | 436 |
| Credit loss provision to net charge-offs | -116.8399% | 2,856 |
| Earnings coverage of net charge-offs (x) | 10.1067% | 1,513 |
| Efficiency ratio | 64.5391% | 2,406 |
| Assets per employee ($millions) | 5.9100% | 2,687 |
| Cash dividends to net income (ytd only)* | 173.3514% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,958 |
| Loan loss allowance to noncurrent loans | 55.3185% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5684% | 383 |
| Noncurrent loans to loans | 2.1615% | 469 |
| Net loans and leases to total assets | 71.1401% | 1,136 |
| Net loans and leases to deposits | 82.3907% | 1,308 |
| Net loans and leases to core deposits | 83.4107% | 1,724 |
| Total domestic deposits to total assets | 86.3448% | 2,605 |
| Equity capital to assets | 10.8315% | 1,984 |
| Core capital (leverage) ratio | 9.6828% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5733% | 2,054 |
| Memoranda: | ||
| Average total assets | $14,180,724,500 | 128 |
| Average earning assets | $12,895,166,000 | 129 |
| Average equity | $1,583,576,500 | 131 |
| Average total loans | $10,484,596,000 | 117 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 2,622 |
| Cost of funding earning assets | 0.3274% | 3,992 |
| Net interest margin | 3.7079% | 1,773 |
| Noninterest income to average assets | 1.0398% | 974 |
| Noninterest expense to average assets | 2.9512% | 1,542 |
| Loan and lease loss provision to assets | 0.6633% | 268 |
| Net operating income to assets | 0.6383% | 3,630 |
| Return on assets (ROA) | 0.6398% | 3,750 |
| Pretax return on assets | 0.7914% | 3,645 |
| Return on Equity (ROE) | 5.5042% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.5042% | 2,040 |
| Net charge-offs to loans | 0.2715% | 634 |
| Credit loss provision to net charge-offs | 309.5738% | 1,704 |
| Earnings coverage of net charge-offs (x) | 6.7804% | 2,748 |
| Efficiency ratio | 65.7809% | 2,563 |
| Assets per employee ($millions) | 5.7705% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,580 |
| Loan loss allowance to noncurrent loans | 129.9854% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 1,358 |
| Noncurrent loans to loans | 0.9757% | 1,448 |
| Net loans and leases to total assets | 74.9686% | 907 |
| Net loans and leases to deposits | 88.1763% | 1,072 |
| Net loans and leases to core deposits | 89.5603% | 1,565 |
| Total domestic deposits to total assets | 85.0213% | 2,752 |
| Equity capital to assets | 11.5133% | 1,874 |
| Core capital (leverage) ratio | 9.9032% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8872% | 1,889 |
| Memoranda: | ||
| Average total assets | $12,659,477,400 | 132 |
| Average earning assets | $11,486,160,400 | 133 |
| Average equity | $1,471,532,800 | 132 |
| Average total loans | $9,989,536,000 | 115 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 2,654 |
| Cost of funding earning assets | 0.3666% | 3,968 |
| Net interest margin | 3.7414% | 1,792 |
| Noninterest income to average assets | 1.0766% | 900 |
| Noninterest expense to average assets | 2.9608% | 1,528 |
| Loan and lease loss provision to assets | 0.9318% | 162 |
| Net operating income to assets | 0.4750% | 4,099 |
| Return on assets (ROA) | 0.4765% | 4,173 |
| Pretax return on assets | 0.5777% | 4,143 |
| Return on Equity (ROE) | 4.0880% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,004 |
| Net charge-offs to loans | 0.3195% | 494 |
| Credit loss provision to net charge-offs | 365.6938% | 1,554 |
| Earnings coverage of net charge-offs (x) | 5.9174% | 2,696 |
| Efficiency ratio | 65.0019% | 2,592 |
| Assets per employee ($millions) | 5.5311% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,162 |
| Loan loss allowance to noncurrent loans | 130.6786% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 1,462 |
| Noncurrent loans to loans | 0.9936% | 1,510 |
| Net loans and leases to total assets | 76.5297% | 1,031 |
| Net loans and leases to deposits | 90.5528% | 1,220 |
| Net loans and leases to core deposits | 92.0633% | 1,790 |
| Total domestic deposits to total assets | 84.5139% | 2,627 |
| Equity capital to assets | 11.3497% | 2,115 |
| Core capital (leverage) ratio | 9.5223% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5102% | 1,996 |
| Memoranda: | ||
| Average total assets | $12,334,653,000 | 134 |
| Average earning assets | $11,182,775,250 | 132 |
| Average equity | $1,437,635,500 | 134 |
| Average total loans | $9,837,139,500 | 117 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,846 |
| Cost of funding earning assets | 0.4094% | 4,002 |
| Net interest margin | 3.7621% | 1,952 |
| Noninterest income to average assets | 1.0675% | 877 |
| Noninterest expense to average assets | 3.0393% | 1,486 |
| Loan and lease loss provision to assets | 1.3451% | 107 |
| Net operating income to assets | 0.0802% | 4,707 |
| Return on assets (ROA) | 0.0828% | 4,731 |
| Pretax return on assets | 0.0930% | 4,731 |
| Return on Equity (ROE) | 0.7032% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.7032% | 4,159 |
| Net charge-offs to loans | 0.3442% | 467 |
| Credit loss provision to net charge-offs | 484.7173% | 1,261 |
| Earnings coverage of net charge-offs (x) | 5.1716% | 2,538 |
| Efficiency ratio | 66.6341% | 2,427 |
| Assets per employee ($millions) | 5.5585% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,040 |
| Loan loss allowance to noncurrent loans | 121.7089% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 1,478 |
| Noncurrent loans to loans | 1.0622% | 1,465 |
| Net loans and leases to total assets | 76.6635% | 1,050 |
| Net loans and leases to deposits | 91.7306% | 1,191 |
| Net loans and leases to core deposits | 93.4444% | 1,792 |
| Total domestic deposits to total assets | 83.5746% | 2,896 |
| Equity capital to assets | 10.9908% | 2,348 |
| Core capital (leverage) ratio | 9.6804% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3968% | 2,444 |
| Memoranda: | ||
| Average total assets | $11,803,766,667 | 137 |
| Average earning assets | $10,689,559,333 | 137 |
| Average equity | $1,389,942,667 | 138 |
| Average total loans | $9,516,605,667 | 119 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,958 |
| Cost of funding earning assets | 0.5029% | 3,930 |
| Net interest margin | 3.7863% | 2,031 |
| Noninterest income to average assets | 1.0339% | 796 |
| Noninterest expense to average assets | 3.0558% | 1,751 |
| Loan and lease loss provision to assets | 1.0327% | 205 |
| Net operating income to assets | 0.3285% | 4,284 |
| Return on assets (ROA) | 0.3344% | 4,306 |
| Pretax return on assets | 0.3825% | 4,324 |
| Return on Equity (ROE) | 2.7215% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.7215% | 3,191 |
| Net charge-offs to loans | 0.1572% | 823 |
| Credit loss provision to net charge-offs | 795.7673% | 666 |
| Earnings coverage of net charge-offs (x) | 10.8529% | 1,748 |
| Efficiency ratio | 67.0690% | 2,807 |
| Assets per employee ($millions) | 4.2112% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,446 |
| Loan loss allowance to noncurrent loans | 108.7392% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 1,692 |
| Noncurrent loans to loans | 0.9656% | 1,700 |
| Net loans and leases to total assets | 81.1784% | 544 |
| Net loans and leases to deposits | 97.1371% | 803 |
| Net loans and leases to core deposits | 98.4794% | 1,590 |
| Total domestic deposits to total assets | 83.5710% | 2,924 |
| Equity capital to assets | 12.2383% | 1,893 |
| Core capital (leverage) ratio | 10.5748% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1442% | 2,219 |
| Memoranda: | ||
| Average total assets | $10,704,752,500 | 142 |
| Average earning assets | $9,698,349,000 | 139 |
| Average equity | $1,315,460,000 | 142 |
| Average total loans | $8,837,482,000 | 131 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 2,687 |
| Cost of funding earning assets | 0.5538% | 3,851 |
| Net interest margin | 4.0248% | 1,773 |
| Noninterest income to average assets | 0.9533% | 1,070 |
| Noninterest expense to average assets | 2.9731% | 2,085 |
| Loan and lease loss provision to assets | 0.2175% | 901 |
| Net operating income to assets | 1.1049% | 2,426 |
| Return on assets (ROA) | 1.1050% | 2,520 |
| Pretax return on assets | 1.4115% | 2,114 |
| Return on Equity (ROE) | 8.7022% | 2,871 |
| Retained earnings to average equity (ytd only) | 0.3858% | 4,580 |
| Net charge-offs to loans | 0.2311% | 880 |
| Credit loss provision to net charge-offs | 113.6815% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.5120% | 2,768 |
| Efficiency ratio | 63.2408% | 3,186 |
| Assets per employee ($millions) | 4.8098% | 2,827 |
| Cash dividends to net income (ytd only)* | 95.5666% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 4,637 |
| Loan loss allowance to noncurrent loans | 83.9518% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 1,939 |
| Noncurrent loans to loans | 0.7819% | 1,944 |
| Net loans and leases to total assets | 82.5359% | 485 |
| Net loans and leases to deposits | 99.2471% | 653 |
| Net loans and leases to core deposits | 100.9156% | 1,491 |
| Total domestic deposits to total assets | 83.1620% | 3,149 |
| Equity capital to assets | 12.3395% | 1,927 |
| Core capital (leverage) ratio | 10.5152% | 2,938 |
| Tier 1 risk-based capital ratio | 13.1464% | 3,714 |
| Total risk-based capital ratio | 13.8584% | 3,891 |
| Memoranda: | ||
| Average total assets | $10,416,144,200 | 139 |
| Average earning assets | $9,442,686,600 | 137 |
| Average equity | $1,322,688,000 | 139 |
| Average total loans | $8,623,937,200 | 124 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 2,686 |
| Cost of funding earning assets | 0.5525% | 3,913 |
| Net interest margin | 4.0601% | 1,733 |
| Noninterest income to average assets | 0.9126% | 1,117 |
| Noninterest expense to average assets | 2.9497% | 2,103 |
| Loan and lease loss provision to assets | 0.1857% | 970 |
| Net operating income to assets | 1.1372% | 2,426 |
| Return on assets (ROA) | 1.1371% | 2,513 |
| Pretax return on assets | 1.4568% | 2,091 |
| Return on Equity (ROE) | 8.8906% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.8906% | 1,082 |
| Net charge-offs to loans | 0.2611% | 668 |
| Credit loss provision to net charge-offs | 85.9746% | 2,440 |
| Earnings coverage of net charge-offs (x) | 7.6043% | 2,726 |
| Efficiency ratio | 62.8564% | 3,188 |
| Assets per employee ($millions) | 4.8354% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5951% | 4,831 |
| Loan loss allowance to noncurrent loans | 80.3915% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 2,129 |
| Noncurrent loans to loans | 0.7403% | 2,111 |
| Net loans and leases to total assets | 82.3214% | 529 |
| Net loans and leases to deposits | 100.2226% | 614 |
| Net loans and leases to core deposits | 102.1106% | 1,493 |
| Total domestic deposits to total assets | 82.1386% | 3,437 |
| Equity capital to assets | 13.0738% | 1,585 |
| Core capital (leverage) ratio | 11.2697% | 2,407 |
| Tier 1 risk-based capital ratio | 14.0331% | 3,314 |
| Total risk-based capital ratio | 14.6779% | 3,520 |
| Memoranda: | ||
| Average total assets | $10,363,993,250 | 136 |
| Average earning assets | $9,393,138,250 | 138 |
| Average equity | $1,325,598,750 | 138 |
| Average total loans | $8,573,128,000 | 126 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 2,671 |
| Cost of funding earning assets | 0.5201% | 4,034 |
| Net interest margin | 4.0822% | 1,662 |
| Noninterest income to average assets | 0.8731% | 1,144 |
| Noninterest expense to average assets | 3.0199% | 1,955 |
| Loan and lease loss provision to assets | 0.2174% | 765 |
| Net operating income to assets | 1.0510% | 2,719 |
| Return on assets (ROA) | 1.0509% | 2,788 |
| Pretax return on assets | 1.3389% | 2,418 |
| Return on Equity (ROE) | 8.2806% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.2806% | 1,286 |
| Net charge-offs to loans | 0.3126% | 549 |
| Credit loss provision to net charge-offs | 84.0873% | 2,187 |
| Earnings coverage of net charge-offs (x) | 6.0205% | 2,603 |
| Efficiency ratio | 64.6215% | 3,032 |
| Assets per employee ($millions) | 4.7405% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,863 |
| Loan loss allowance to noncurrent loans | 78.2297% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,066 |
| Noncurrent loans to loans | 0.7757% | 2,042 |
| Net loans and leases to total assets | 81.8779% | 625 |
| Net loans and leases to deposits | 97.8644% | 857 |
| Net loans and leases to core deposits | 99.6284% | 1,756 |
| Total domestic deposits to total assets | 83.6646% | 2,989 |
| Equity capital to assets | 12.8432% | 1,668 |
| Core capital (leverage) ratio | 11.0059% | 2,596 |
| Tier 1 risk-based capital ratio | 13.6465% | 3,510 |
| Total risk-based capital ratio | 14.2977% | 3,719 |
| Memoranda: | ||
| Average total assets | $10,243,692,670 | 139 |
| Average earning assets | $9,292,705,330 | 138 |
| Average equity | $1,300,080,670 | 139 |
| Average total loans | $8,470,256,330 | 128 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,806 |
| Cost of funding earning assets | 0.4918% | 4,094 |
| Net interest margin | 4.0266% | 1,775 |
| Noninterest income to average assets | 0.8552% | 1,160 |
| Noninterest expense to average assets | 2.9351% | 2,172 |
| Loan and lease loss provision to assets | 0.2573% | 557 |
| Net operating income to assets | 1.0426% | 2,687 |
| Return on assets (ROA) | 1.0424% | 2,729 |
| Pretax return on assets | 1.3216% | 2,373 |
| Return on Equity (ROE) | 8.2657% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.2657% | 1,565 |
| Net charge-offs to loans | 0.2862% | 516 |
| Credit loss provision to net charge-offs | 108.5067% | 1,507 |
| Earnings coverage of net charge-offs (x) | 6.6596% | 2,179 |
| Efficiency ratio | 63.7436% | 3,279 |
| Assets per employee ($millions) | 4.7193% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6492% | 4,855 |
| Loan loss allowance to noncurrent loans | 76.4705% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 1,940 |
| Noncurrent loans to loans | 0.8489% | 1,937 |
| Net loans and leases to total assets | 81.9494% | 593 |
| Net loans and leases to deposits | 97.2148% | 869 |
| Net loans and leases to core deposits | 98.8636% | 1,719 |
| Total domestic deposits to total assets | 84.2973% | 2,950 |
| Equity capital to assets | 12.7611% | 1,593 |
| Core capital (leverage) ratio | 10.3678% | 3,200 |
| Tier 1 risk-based capital ratio | 12.9294% | 3,908 |
| Total risk-based capital ratio | 13.6289% | 4,112 |
| Memoranda: | ||
| Average total assets | $10,053,863,500 | 139 |
| Average earning assets | $9,136,270,000 | 140 |
| Average equity | $1,267,931,000 | 141 |
| Average total loans | $8,329,745,000 | 130 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,683 |
| Cost of funding earning assets | 0.3694% | 4,165 |
| Net interest margin | 4.0558% | 1,802 |
| Noninterest income to average assets | 0.9440% | 1,074 |
| Noninterest expense to average assets | 2.9760% | 2,113 |
| Loan and lease loss provision to assets | 0.2117% | 876 |
| Net operating income to assets | 1.1468% | 2,401 |
| Return on assets (ROA) | 1.1469% | 2,397 |
| Pretax return on assets | 1.4557% | 1,927 |
| Return on Equity (ROE) | 8.9501% | 3,019 |
| Retained earnings to average equity (ytd only) | 0.4184% | 4,871 |
| Net charge-offs to loans | 0.2757% | 702 |
| Credit loss provision to net charge-offs | 92.7851% | 2,683 |
| Earnings coverage of net charge-offs (x) | 7.3075% | 3,002 |
| Efficiency ratio | 62.7804% | 3,390 |
| Assets per employee ($millions) | 4.5590% | 3,073 |
| Cash dividends to net income (ytd only)* | 95.3254% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6837% | 4,828 |
| Loan loss allowance to noncurrent loans | 76.2351% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 1,810 |
| Noncurrent loans to loans | 0.8968% | 1,791 |
| Net loans and leases to total assets | 82.6750% | 563 |
| Net loans and leases to deposits | 98.5900% | 843 |
| Net loans and leases to core deposits | 100.4316% | 1,686 |
| Total domestic deposits to total assets | 83.8573% | 3,047 |
| Equity capital to assets | 12.4508% | 1,605 |
| Core capital (leverage) ratio | 10.2397% | 3,312 |
| Tier 1 risk-based capital ratio | 12.9964% | 3,845 |
| Total risk-based capital ratio | 13.7356% | 4,011 |
| Memoranda: | ||
| Average total assets | $9,604,085,000 | 139 |
| Average earning assets | $8,759,792,400 | 140 |
| Average equity | $1,230,694,600 | 140 |
| Average total loans | $7,948,906,600 | 125 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,677 |
| Cost of funding earning assets | 0.3443% | 4,225 |
| Net interest margin | 4.0390% | 1,829 |
| Noninterest income to average assets | 0.9326% | 1,101 |
| Noninterest expense to average assets | 2.9339% | 2,221 |
| Loan and lease loss provision to assets | 0.2302% | 704 |
| Net operating income to assets | 1.1482% | 2,442 |
| Return on assets (ROA) | 1.1482% | 2,454 |
| Pretax return on assets | 1.4516% | 2,055 |
| Return on Equity (ROE) | 8.8967% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.8967% | 1,259 |
| Net charge-offs to loans | 0.2924% | 568 |
| Credit loss provision to net charge-offs | 95.2765% | 2,362 |
| Earnings coverage of net charge-offs (x) | 6.9604% | 2,839 |
| Efficiency ratio | 62.2069% | 3,477 |
| Assets per employee ($millions) | 4.5248% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 4,881 |
| Loan loss allowance to noncurrent loans | 74.9652% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 1,847 |
| Noncurrent loans to loans | 0.9318% | 1,828 |
| Net loans and leases to total assets | 82.4445% | 636 |
| Net loans and leases to deposits | 98.3878% | 922 |
| Net loans and leases to core deposits | 100.2068% | 1,774 |
| Total domestic deposits to total assets | 83.7955% | 3,015 |
| Equity capital to assets | 13.2404% | 1,235 |
| Core capital (leverage) ratio | 11.2201% | 2,399 |
| Tier 1 risk-based capital ratio | 14.2574% | 3,239 |
| Total risk-based capital ratio | 15.0150% | 3,400 |
| Memoranda: | ||
| Average total assets | $9,579,714,000 | 137 |
| Average earning assets | $8,735,379,250 | 137 |
| Average equity | $1,236,388,250 | 141 |
| Average total loans | $7,917,137,500 | 124 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,695 |
| Cost of funding earning assets | 0.3223% | 4,257 |
| Net interest margin | 4.0004% | 1,862 |
| Noninterest income to average assets | 0.9363% | 1,086 |
| Noninterest expense to average assets | 2.9600% | 2,169 |
| Loan and lease loss provision to assets | 0.2000% | 858 |
| Net operating income to assets | 1.1213% | 2,512 |
| Return on assets (ROA) | 1.1214% | 2,512 |
| Pretax return on assets | 1.4238% | 2,071 |
| Return on Equity (ROE) | 8.7649% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.7649% | 1,296 |
| Net charge-offs to loans | 0.2288% | 698 |
| Credit loss provision to net charge-offs | 105.9528% | 1,938 |
| Earnings coverage of net charge-offs (x) | 8.5998% | 2,458 |
| Efficiency ratio | 63.1882% | 3,437 |
| Assets per employee ($millions) | 4.5520% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,894 |
| Loan loss allowance to noncurrent loans | 90.4504% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 2,189 |
| Noncurrent loans to loans | 0.7968% | 2,140 |
| Net loans and leases to total assets | 81.9213% | 717 |
| Net loans and leases to deposits | 96.3417% | 1,106 |
| Net loans and leases to core deposits | 98.0482% | 1,891 |
| Total domestic deposits to total assets | 85.0320% | 2,657 |
| Equity capital to assets | 12.9598% | 1,317 |
| Core capital (leverage) ratio | 10.9615% | 2,562 |
| Tier 1 risk-based capital ratio | 13.9579% | 3,374 |
| Total risk-based capital ratio | 14.7411% | 3,536 |
| Memoranda: | ||
| Average total assets | $9,555,827,330 | 137 |
| Average earning assets | $8,712,579,330 | 137 |
| Average equity | $1,222,559,000 | 139 |
| Average total loans | $7,885,182,330 | 123 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 2,682 |
| Cost of funding earning assets | 0.3055% | 4,315 |
| Net interest margin | 3.9507% | 1,866 |
| Noninterest income to average assets | 0.8890% | 1,177 |
| Noninterest expense to average assets | 2.9159% | 2,304 |
| Loan and lease loss provision to assets | 0.1770% | 980 |
| Net operating income to assets | 1.0958% | 2,443 |
| Return on assets (ROA) | 1.0960% | 2,455 |
| Pretax return on assets | 1.3999% | 2,001 |
| Return on Equity (ROE) | 8.6233% | 3,098 |
| Retained earnings to average equity (ytd only) | 8.6233% | 1,609 |
| Net charge-offs to loans | 0.2952% | 519 |
| Credit loss provision to net charge-offs | 72.6567% | 1,809 |
| Earnings coverage of net charge-offs (x) | 6.4725% | 2,157 |
| Efficiency ratio | 63.4841% | 3,565 |
| Assets per employee ($millions) | 4.5582% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 5,029 |
| Loan loss allowance to noncurrent loans | 92.8853% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 2,340 |
| Noncurrent loans to loans | 0.7529% | 2,322 |
| Net loans and leases to total assets | 81.7068% | 697 |
| Net loans and leases to deposits | 95.8712% | 1,048 |
| Net loans and leases to core deposits | 97.6217% | 1,863 |
| Total domestic deposits to total assets | 85.2256% | 2,848 |
| Equity capital to assets | 12.7228% | 1,377 |
| Core capital (leverage) ratio | 10.7623% | 2,670 |
| Tier 1 risk-based capital ratio | 13.6801% | 3,558 |
| Total risk-based capital ratio | 14.4427% | 3,748 |
| Memoranda: | ||
| Average total assets | $9,513,194,500 | 136 |
| Average earning assets | $8,677,027,500 | 135 |
| Average equity | $1,209,103,000 | 140 |
| Average total loans | $7,850,052,000 | 124 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 2,477 |
| Cost of funding earning assets | 0.2694% | 4,400 |
| Net interest margin | 3.9863% | 1,788 |
| Noninterest income to average assets | 1.1194% | 814 |
| Noninterest expense to average assets | 3.0743% | 1,939 |
| Loan and lease loss provision to assets | 0.2055% | 998 |
| Net operating income to assets | 1.0155% | 2,171 |
| Return on assets (ROA) | 1.0121% | 2,222 |
| Pretax return on assets | 1.4567% | 1,793 |
| Return on Equity (ROE) | 7.9560% | 2,812 |
| Retained earnings to average equity (ytd only) | 0.5935% | 4,803 |
| Net charge-offs to loans | 0.3089% | 823 |
| Credit loss provision to net charge-offs | 82.6575% | 2,903 |
| Earnings coverage of net charge-offs (x) | 6.7041% | 3,148 |
| Efficiency ratio | 63.3543% | 3,706 |
| Assets per employee ($millions) | 4.4784% | 3,218 |
| Cash dividends to net income (ytd only)* | 92.5402% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 5,012 |
| Loan loss allowance to noncurrent loans | 86.2268% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 2,059 |
| Noncurrent loans to loans | 0.8439% | 2,107 |
| Net loans and leases to total assets | 82.1547% | 663 |
| Net loans and leases to deposits | 97.5796% | 936 |
| Net loans and leases to core deposits | 99.3211% | 1,765 |
| Total domestic deposits to total assets | 84.1925% | 3,128 |
| Equity capital to assets | 12.6964% | 1,410 |
| Core capital (leverage) ratio | 10.3977% | 2,969 |
| Tier 1 risk-based capital ratio | 13.3962% | 3,690 |
| Total risk-based capital ratio | 14.1886% | 3,845 |
| Memoranda: | ||
| Average total assets | $9,609,096,600 | 129 |
| Average earning assets | $8,730,736,600 | 128 |
| Average equity | $1,222,405,400 | 130 |
| Average total loans | $7,736,415,800 | 117 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 2,564 |
| Cost of funding earning assets | 0.2638% | 4,445 |
| Net interest margin | 3.9492% | 1,863 |
| Noninterest income to average assets | 1.1658% | 752 |
| Noninterest expense to average assets | 3.0512% | 1,956 |
| Loan and lease loss provision to assets | 0.1827% | 1,083 |
| Net operating income to assets | 1.0228% | 2,456 |
| Return on assets (ROA) | 1.0230% | 2,495 |
| Pretax return on assets | 1.5182% | 1,712 |
| Return on Equity (ROE) | 8.0381% | 3,106 |
| Retained earnings to average equity (ytd only) | 8.0381% | 1,206 |
| Net charge-offs to loans | 0.2977% | 707 |
| Credit loss provision to net charge-offs | 76.7258% | 2,628 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,908 |
| Efficiency ratio | 62.7030% | 3,775 |
| Assets per employee ($millions) | 4.4620% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 5,057 |
| Loan loss allowance to noncurrent loans | 76.3322% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 2,049 |
| Noncurrent loans to loans | 0.9639% | 1,997 |
| Net loans and leases to total assets | 80.5455% | 910 |
| Net loans and leases to deposits | 95.5104% | 1,153 |
| Net loans and leases to core deposits | 97.1083% | 1,968 |
| Total domestic deposits to total assets | 84.3316% | 2,984 |
| Equity capital to assets | 13.3169% | 1,244 |
| Core capital (leverage) ratio | 10.5209% | 2,965 |
| Tier 1 risk-based capital ratio | 13.7361% | 3,557 |
| Total risk-based capital ratio | 14.5376% | 3,744 |
| Memoranda: | ||
| Average total assets | $9,653,502,500 | 126 |
| Average earning assets | $8,765,736,250 | 128 |
| Average equity | $1,228,641,750 | 132 |
| Average total loans | $7,719,222,000 | 116 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 2,591 |
| Cost of funding earning assets | 0.2607% | 4,460 |
| Net interest margin | 3.9072% | 1,906 |
| Noninterest income to average assets | 1.2551% | 664 |
| Noninterest expense to average assets | 3.0638% | 1,930 |
| Loan and lease loss provision to assets | 0.2104% | 849 |
| Net operating income to assets | 1.0441% | 2,235 |
| Return on assets (ROA) | 1.0444% | 2,273 |
| Pretax return on assets | 1.5292% | 1,549 |
| Return on Equity (ROE) | 8.3324% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.3324% | 1,045 |
| Net charge-offs to loans | 0.2140% | 954 |
| Credit loss provision to net charge-offs | 123.5793% | 1,751 |
| Earnings coverage of net charge-offs (x) | 10.2136% | 2,359 |
| Efficiency ratio | 62.2852% | 3,945 |
| Assets per employee ($millions) | 4.2194% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,903 |
| Loan loss allowance to noncurrent loans | 84.9728% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 2,123 |
| Noncurrent loans to loans | 0.9613% | 2,040 |
| Net loans and leases to total assets | 79.6150% | 1,007 |
| Net loans and leases to deposits | 94.0080% | 1,259 |
| Net loans and leases to core deposits | 95.5722% | 2,016 |
| Total domestic deposits to total assets | 84.6896% | 2,941 |
| Equity capital to assets | 12.9808% | 1,385 |
| Core capital (leverage) ratio | 10.1474% | 3,339 |
| Tier 1 risk-based capital ratio | 13.3547% | 3,773 |
| Total risk-based capital ratio | 14.2389% | 3,925 |
| Memoranda: | ||
| Average total assets | $9,692,886,000 | 125 |
| Average earning assets | $8,801,503,000 | 126 |
| Average equity | $1,214,917,000 | 131 |
| Average total loans | $7,713,222,000 | 114 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 2,788 |
| Cost of funding earning assets | 0.2511% | 4,528 |
| Net interest margin | 3.8132% | 2,074 |
| Noninterest income to average assets | 0.8608% | 1,360 |
| Noninterest expense to average assets | 3.0203% | 2,114 |
| Loan and lease loss provision to assets | 0.1904% | 879 |
| Net operating income to assets | 0.7649% | 3,404 |
| Return on assets (ROA) | 0.7654% | 3,451 |
| Pretax return on assets | 1.1166% | 2,915 |
| Return on Equity (ROE) | 6.2155% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.2155% | 2,227 |
| Net charge-offs to loans | 0.2317% | 778 |
| Credit loss provision to net charge-offs | 103.6896% | 1,526 |
| Earnings coverage of net charge-offs (x) | 7.1156% | 2,165 |
| Efficiency ratio | 68.1487% | 3,170 |
| Assets per employee ($millions) | 4.2107% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 5,092 |
| Loan loss allowance to noncurrent loans | 80.5134% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 2,203 |
| Noncurrent loans to loans | 0.9827% | 2,080 |
| Net loans and leases to total assets | 78.1613% | 1,111 |
| Net loans and leases to deposits | 91.6231% | 1,366 |
| Net loans and leases to core deposits | 93.1762% | 2,051 |
| Total domestic deposits to total assets | 85.3074% | 2,960 |
| Equity capital to assets | 12.3434% | 1,634 |
| Core capital (leverage) ratio | 9.7828% | 3,772 |
| Tier 1 risk-based capital ratio | 12.8919% | 4,149 |
| Total risk-based capital ratio | 13.7531% | 4,291 |
| Memoranda: | ||
| Average total assets | $9,744,010,500 | 122 |
| Average earning assets | $8,856,267,000 | 123 |
| Average equity | $1,199,903,000 | 131 |
| Average total loans | $7,720,598,500 | 114 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,330 |
| Cost of funding earning assets | 0.4016% | 2,984 |
| Net interest margin | 3.8433% | 2,162 |
| Noninterest income to average assets | 0.8859% | 1,460 |
| Noninterest expense to average assets | 3.4208% | 1,310 |
| Loan and lease loss provision to assets | 0.1460% | 1,705 |
| Net operating income to assets | 0.5643% | 4,370 |
| Return on assets (ROA) | 0.5686% | 4,455 |
| Pretax return on assets | 0.8204% | 4,130 |
| Return on Equity (ROE) | 4.4063% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.2305% | 5,224 |
| Net charge-offs to loans | 0.2044% | 1,364 |
| Credit loss provision to net charge-offs | 88.6547% | 2,824 |
| Earnings coverage of net charge-offs (x) | 5.8318% | 3,276 |
| Efficiency ratio | 77.0368% | 1,835 |
| Assets per employee ($millions) | 4.2001% | 3,619 |
| Cash dividends to net income (ytd only)* | 94.7688% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 5,134 |
| Loan loss allowance to noncurrent loans | 73.9910% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 2,105 |
| Noncurrent loans to loans | 1.0671% | 1,941 |
| Net loans and leases to total assets | 79.0602% | 1,036 |
| Net loans and leases to deposits | 93.1638% | 1,280 |
| Net loans and leases to core deposits | 94.8061% | 2,028 |
| Total domestic deposits to total assets | 84.8615% | 3,109 |
| Equity capital to assets | 12.2847% | 1,642 |
| Core capital (leverage) ratio | 9.5847% | 3,986 |
| Tier 1 risk-based capital ratio | 12.7458% | 4,244 |
| Total risk-based capital ratio | 13.6086% | 4,355 |
| Memoranda: | ||
| Average total assets | $9,278,425,800 | 123 |
| Average earning assets | $8,437,413,600 | 125 |
| Average equity | $1,197,370,200 | 125 |
| Average total loans | $7,474,555,800 | 113 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 2,422 |
| Cost of funding earning assets | 0.4463% | 2,589 |
| Net interest margin | 3.7826% | 2,398 |
| Noninterest income to average assets | 0.8456% | 1,588 |
| Noninterest expense to average assets | 3.5776% | 1,028 |
| Loan and lease loss provision to assets | 0.1656% | 1,378 |
| Net operating income to assets | 0.3930% | 5,039 |
| Return on assets (ROA) | 0.3969% | 5,123 |
| Pretax return on assets | 0.5491% | 5,007 |
| Return on Equity (ROE) | 3.0370% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.0370% | 4,092 |
| Net charge-offs to loans | 0.1946% | 1,207 |
| Credit loss provision to net charge-offs | 105.3035% | 2,279 |
| Earnings coverage of net charge-offs (x) | 4.5111% | 3,259 |
| Efficiency ratio | 82.6214% | 1,111 |
| Assets per employee ($millions) | 4.3029% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 5,163 |
| Loan loss allowance to noncurrent loans | 70.9076% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 2,148 |
| Noncurrent loans to loans | 1.1419% | 1,967 |
| Net loans and leases to total assets | 79.3925% | 988 |
| Net loans and leases to deposits | 93.3077% | 1,340 |
| Net loans and leases to core deposits | 95.1035% | 2,091 |
| Total domestic deposits to total assets | 85.0868% | 2,768 |
| Equity capital to assets | 12.5133% | 1,773 |
| Core capital (leverage) ratio | 10.6377% | 2,841 |
| Tier 1 risk-based capital ratio | 12.8583% | 4,249 |
| Total risk-based capital ratio | 13.7421% | 4,379 |
| Memoranda: | ||
| Average total assets | $9,176,662,500 | 125 |
| Average earning assets | $8,348,713,500 | 126 |
| Average equity | $1,199,253,750 | 125 |
| Average total loans | $7,413,620,500 | 112 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,075 |
| Cost of funding earning assets | 0.5288% | 1,875 |
| Net interest margin | 3.7965% | 2,335 |
| Noninterest income to average assets | 0.8485% | 1,555 |
| Noninterest expense to average assets | 3.7811% | 793 |
| Loan and lease loss provision to assets | 0.1305% | 1,753 |
| Net operating income to assets | 0.2723% | 5,388 |
| Return on assets (ROA) | 0.2772% | 5,457 |
| Pretax return on assets | 0.3975% | 5,346 |
| Return on Equity (ROE) | 2.0888% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.0888% | 4,526 |
| Net charge-offs to loans | 0.2129% | 1,105 |
| Credit loss provision to net charge-offs | 75.6000% | 2,415 |
| Earnings coverage of net charge-offs (x) | 3.0197% | 3,178 |
| Efficiency ratio | 87.1714% | 774 |
| Assets per employee ($millions) | 4.3047% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 5,189 |
| Loan loss allowance to noncurrent loans | 77.1881% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 2,292 |
| Noncurrent loans to loans | 1.0780% | 2,135 |
| Net loans and leases to total assets | 80.4807% | 831 |
| Net loans and leases to deposits | 106.9774% | 334 |
| Net loans and leases to core deposits | 109.6841% | 945 |
| Total domestic deposits to total assets | 75.2314% | 5,384 |
| Equity capital to assets | 13.3048% | 1,331 |
| Core capital (leverage) ratio | 11.0445% | 2,392 |
| Tier 1 risk-based capital ratio | 14.4090% | 3,374 |
| Total risk-based capital ratio | 15.3243% | 3,479 |
| Memoranda: | ||
| Average total assets | $8,982,594,000 | 129 |
| Average earning assets | $8,171,455,000 | 124 |
| Average equity | $1,191,952,670 | 124 |
| Average total loans | $7,281,141,670 | 114 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 2,077 |
| Cost of funding earning assets | 0.6222% | 1,205 |
| Net interest margin | 3.6925% | 2,697 |
| Noninterest income to average assets | 0.8343% | 1,497 |
| Noninterest expense to average assets | 2.9052% | 2,689 |
| Loan and lease loss provision to assets | 0.0740% | 2,483 |
| Net operating income to assets | 0.8325% | 3,077 |
| Return on assets (ROA) | 0.8350% | 3,194 |
| Pretax return on assets | 1.2136% | 2,645 |
| Return on Equity (ROE) | 6.3013% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.3013% | 2,232 |
| Net charge-offs to loans | 0.1130% | 1,441 |
| Credit loss provision to net charge-offs | 80.8179% | 1,832 |
| Earnings coverage of net charge-offs (x) | 14.0224% | 1,718 |
| Efficiency ratio | 68.6335% | 3,355 |
| Assets per employee ($millions) | 4.1606% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 5,212 |
| Loan loss allowance to noncurrent loans | 80.6219% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 2,363 |
| Noncurrent loans to loans | 1.0578% | 2,277 |
| Net loans and leases to total assets | 80.8671% | 706 |
| Net loans and leases to deposits | 106.3105% | 330 |
| Net loans and leases to core deposits | 109.0941% | 898 |
| Total domestic deposits to total assets | 76.0669% | 5,405 |
| Equity capital to assets | 13.4113% | 1,216 |
| Core capital (leverage) ratio | 11.0806% | 2,335 |
| Tier 1 risk-based capital ratio | 14.4324% | 3,428 |
| Total risk-based capital ratio | 15.3670% | 3,535 |
| Memoranda: | ||
| Average total assets | $8,973,372,500 | 126 |
| Average earning assets | $8,152,694,000 | 126 |
| Average equity | $1,189,146,000 | 123 |
| Average total loans | $7,269,274,500 | 113 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,042 |
| Cost of funding earning assets | 0.6856% | 883 |
| Net interest margin | 3.6693% | 2,864 |
| Noninterest income to average assets | 0.7973% | 1,798 |
| Noninterest expense to average assets | 2.9026% | 2,851 |
| Loan and lease loss provision to assets | 0.1168% | 2,043 |
| Net operating income to assets | 0.7634% | 3,512 |
| Return on assets (ROA) | 0.7714% | 3,543 |
| Pretax return on assets | 1.1295% | 2,925 |
| Return on Equity (ROE) | 6.0786% | 3,999 |
| Retained earnings to average equity (ytd only) | -6.7142% | 5,969 |
| Net charge-offs to loans | 0.2233% | 1,324 |
| Credit loss provision to net charge-offs | 66.7125% | 3,172 |
| Earnings coverage of net charge-offs (x) | 7.0515% | 3,125 |
| Efficiency ratio | 69.6697% | 3,272 |
| Assets per employee ($millions) | 4.1140% | 3,730 |
| Cash dividends to net income (ytd only)* | 210.4574% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 5,209 |
| Loan loss allowance to noncurrent loans | 83.1061% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 2,328 |
| Noncurrent loans to loans | 1.0422% | 2,249 |
| Net loans and leases to total assets | 79.7616% | 873 |
| Net loans and leases to deposits | 105.9295% | 364 |
| Net loans and leases to core deposits | 108.9331% | 924 |
| Total domestic deposits to total assets | 75.2969% | 5,522 |
| Equity capital to assets | 13.0933% | 1,307 |
| Core capital (leverage) ratio | 10.8747% | 2,526 |
| Tier 1 risk-based capital ratio | 14.2558% | 3,576 |
| Total risk-based capital ratio | 15.2028% | 3,668 |
| Memoranda: | ||
| Average total assets | $8,315,641,400 | 130 |
| Average earning assets | $7,568,906,600 | 127 |
| Average equity | $1,055,280,400 | 129 |
| Average total loans | $6,519,905,600 | 116 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,111 |
| Cost of funding earning assets | 0.6947% | 861 |
| Net interest margin | 3.6443% | 2,981 |
| Noninterest income to average assets | 0.7654% | 1,955 |
| Noninterest expense to average assets | 2.9086% | 2,823 |
| Loan and lease loss provision to assets | 0.0837% | 2,499 |
| Net operating income to assets | 0.7582% | 3,643 |
| Return on assets (ROA) | 0.7682% | 3,686 |
| Pretax return on assets | 1.1069% | 3,193 |
| Return on Equity (ROE) | 6.1066% | 4,106 |
| Retained earnings to average equity (ytd only) | -11.4586% | 6,149 |
| Net charge-offs to loans | 0.2542% | 1,034 |
| Credit loss provision to net charge-offs | 42.3312% | 3,136 |
| Earnings coverage of net charge-offs (x) | 5.9453% | 3,128 |
| Efficiency ratio | 70.8207% | 3,077 |
| Assets per employee ($millions) | 4.0594% | 3,783 |
| Cash dividends to net income (ytd only)* | 287.6441% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 5,386 |
| Loan loss allowance to noncurrent loans | 81.5832% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 2,502 |
| Noncurrent loans to loans | 1.0365% | 2,402 |
| Net loans and leases to total assets | 79.1721% | 929 |
| Net loans and leases to deposits | 104.4312% | 435 |
| Net loans and leases to core deposits | 107.7458% | 993 |
| Total domestic deposits to total assets | 75.8127% | 5,517 |
| Equity capital to assets | 12.9730% | 1,458 |
| Core capital (leverage) ratio | 11.3408% | 2,155 |
| Tier 1 risk-based capital ratio | 14.1316% | 3,775 |
| Total risk-based capital ratio | 15.0547% | 3,903 |
| Memoranda: | ||
| Average total assets | $8,146,275,000 | 132 |
| Average earning assets | $7,420,136,000 | 129 |
| Average equity | $1,024,726,750 | 134 |
| Average total loans | $6,340,952,000 | 120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 1,886 |
| Cost of funding earning assets | 0.7148% | 784 |
| Net interest margin | 3.6754% | 2,813 |
| Noninterest income to average assets | 0.7489% | 1,999 |
| Noninterest expense to average assets | 2.8554% | 3,046 |
| Loan and lease loss provision to assets | 0.0495% | 3,127 |
| Net operating income to assets | 0.8251% | 3,245 |
| Return on assets (ROA) | 0.8360% | 3,307 |
| Pretax return on assets | 1.2127% | 2,722 |
| Return on Equity (ROE) | 6.7262% | 3,772 |
| Retained earnings to average equity (ytd only) | -20.8662% | 6,267 |
| Net charge-offs to loans | 0.3431% | 767 |
| Credit loss provision to net charge-offs | 18.7302% | 3,027 |
| Earnings coverage of net charge-offs (x) | 4.7127% | 3,007 |
| Efficiency ratio | 69.2797% | 3,448 |
| Assets per employee ($millions) | 3.8792% | 4,112 |
| Cash dividends to net income (ytd only)* | 410.2221% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 5,043 |
| Loan loss allowance to noncurrent loans | 101.8294% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 2,712 |
| Noncurrent loans to loans | 0.9457% | 2,761 |
| Net loans and leases to total assets | 76.8978% | 1,238 |
| Net loans and leases to deposits | 101.6826% | 564 |
| Net loans and leases to core deposits | 102.7106% | 1,281 |
| Total domestic deposits to total assets | 75.6254% | 5,643 |
| Equity capital to assets | 12.0388% | 1,999 |
| Core capital (leverage) ratio | 10.3419% | 3,157 |
| Tier 1 risk-based capital ratio | 15.0717% | 3,315 |
| Total risk-based capital ratio | 16.1808% | 3,329 |
| Memoranda: | ||
| Average total assets | $7,872,650,000 | 138 |
| Average earning assets | $7,181,857,000 | 132 |
| Average equity | $978,531,670 | 142 |
| Average total loans | $6,067,925,330 | 124 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 1,726 |
| Cost of funding earning assets | 0.7194% | 776 |
| Net interest margin | 3.6929% | 2,640 |
| Noninterest income to average assets | 0.7145% | 2,101 |
| Noninterest expense to average assets | 2.8145% | 3,201 |
| Loan and lease loss provision to assets | 0.0458% | 3,009 |
| Net operating income to assets | 0.8555% | 2,985 |
| Return on assets (ROA) | 0.8583% | 3,090 |
| Pretax return on assets | 1.2252% | 2,569 |
| Return on Equity (ROE) | 6.7978% | 3,611 |
| Retained earnings to average equity (ytd only) | -47.6166% | 6,382 |
| Net charge-offs to loans | 0.0742% | 1,963 |
| Credit loss provision to net charge-offs | 80.3571% | 1,822 |
| Earnings coverage of net charge-offs (x) | 22.2286% | 1,355 |
| Efficiency ratio | 68.6238% | 3,722 |
| Assets per employee ($millions) | 3.8802% | 4,200 |
| Cash dividends to net income (ytd only)* | 800.4744% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 4,470 |
| Loan loss allowance to noncurrent loans | 91.8030% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 2,394 |
| Noncurrent loans to loans | 1.2071% | 2,359 |
| Net loans and leases to total assets | 75.8356% | 1,235 |
| Net loans and leases to deposits | 100.6321% | 529 |
| Net loans and leases to core deposits | 101.6207% | 1,210 |
| Total domestic deposits to total assets | 75.3593% | 5,800 |
| Equity capital to assets | 11.8096% | 2,185 |
| Core capital (leverage) ratio | 10.1438% | 3,411 |
| Tier 1 risk-based capital ratio | 14.7817% | 3,555 |
| Total risk-based capital ratio | 16.0320% | 3,484 |
| Memoranda: | ||
| Average total assets | $7,859,950,500 | 135 |
| Average earning assets | $7,166,366,000 | 131 |
| Average equity | $992,384,000 | 139 |
| Average total loans | $6,035,645,500 | 123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 2,301 |
| Cost of funding earning assets | 0.7278% | 963 |
| Net interest margin | 3.6469% | 3,226 |
| Noninterest income to average assets | 0.8275% | 1,766 |
| Noninterest expense to average assets | 2.8340% | 3,365 |
| Loan and lease loss provision to assets | 0.2570% | 872 |
| Net operating income to assets | 0.7760% | 3,489 |
| Return on assets (ROA) | 0.7962% | 3,494 |
| Pretax return on assets | 1.0795% | 3,166 |
| Return on Equity (ROE) | 5.9693% | 4,163 |
| Retained earnings to average equity (ytd only) | -0.3094% | 5,819 |
| Net charge-offs to loans | 0.4086% | 1,046 |
| Credit loss provision to net charge-offs | 84.1368% | 2,782 |
| Earnings coverage of net charge-offs (x) | 4.2852% | 3,692 |
| Efficiency ratio | 67.9973% | 3,905 |
| Assets per employee ($millions) | 3.8200% | 4,308 |
| Cash dividends to net income (ytd only)* | 105.1826% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 4,413 |
| Loan loss allowance to noncurrent loans | 84.6005% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 2,277 |
| Noncurrent loans to loans | 1.3305% | 2,211 |
| Net loans and leases to total assets | 76.0304% | 1,260 |
| Net loans and leases to deposits | 102.3514% | 497 |
| Net loans and leases to core deposits | 103.4319% | 1,159 |
| Total domestic deposits to total assets | 74.2837% | 5,927 |
| Equity capital to assets | 13.4545% | 1,178 |
| Core capital (leverage) ratio | 11.5492% | 1,944 |
| Tier 1 risk-based capital ratio | 16.8435% | 2,581 |
| Total risk-based capital ratio | 18.0941% | 2,524 |
| Memoranda: | ||
| Average total assets | $7,902,815,800 | 131 |
| Average earning assets | $7,185,122,800 | 127 |
| Average equity | $1,054,096,400 | 128 |
| Average total loans | $5,909,292,600 | 119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,394 |
| Cost of funding earning assets | 0.7292% | 997 |
| Net interest margin | 3.6291% | 3,315 |
| Noninterest income to average assets | 0.7954% | 1,914 |
| Noninterest expense to average assets | 2.7781% | 3,549 |
| Loan and lease loss provision to assets | 0.3235% | 577 |
| Net operating income to assets | 0.7334% | 3,763 |
| Return on assets (ROA) | 0.7556% | 3,735 |
| Pretax return on assets | 1.0220% | 3,511 |
| Return on Equity (ROE) | 5.6772% | 4,406 |
| Retained earnings to average equity (ytd only) | -2.6851% | 6,121 |
| Net charge-offs to loans | 0.4288% | 924 |
| Credit loss provision to net charge-offs | 101.5950% | 2,174 |
| Earnings coverage of net charge-offs (x) | 4.1317% | 3,532 |
| Efficiency ratio | 67.4561% | 3,947 |
| Assets per employee ($millions) | 3.8406% | 4,211 |
| Cash dividends to net income (ytd only)* | 147.2959% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,214 |
| Loan loss allowance to noncurrent loans | 79.7653% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3359% | 2,313 |
| Noncurrent loans to loans | 1.5060% | 2,155 |
| Net loans and leases to total assets | 75.0688% | 1,355 |
| Net loans and leases to deposits | 100.4742% | 588 |
| Net loans and leases to core deposits | 101.5779% | 1,246 |
| Total domestic deposits to total assets | 74.7145% | 5,949 |
| Equity capital to assets | 13.3424% | 1,259 |
| Core capital (leverage) ratio | 11.2102% | 2,297 |
| Tier 1 risk-based capital ratio | 16.5256% | 2,807 |
| Total risk-based capital ratio | 17.7774% | 2,756 |
| Memoranda: | ||
| Average total assets | $7,928,411,500 | 130 |
| Average earning assets | $7,205,835,250 | 125 |
| Average equity | $1,055,242,750 | 128 |
| Average total loans | $5,887,061,750 | 119 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,447 |
| Cost of funding earning assets | 0.7284% | 1,029 |
| Net interest margin | 3.6070% | 3,335 |
| Noninterest income to average assets | 0.7780% | 1,924 |
| Noninterest expense to average assets | 2.7626% | 3,650 |
| Loan and lease loss provision to assets | 0.3965% | 419 |
| Net operating income to assets | 0.6597% | 4,045 |
| Return on assets (ROA) | 0.6853% | 4,016 |
| Pretax return on assets | 0.9301% | 3,764 |
| Return on Equity (ROE) | 5.1527% | 4,603 |
| Retained earnings to average equity (ytd only) | -7.3600% | 6,352 |
| Net charge-offs to loans | 0.5349% | 762 |
| Credit loss provision to net charge-offs | 100.5996% | 1,977 |
| Earnings coverage of net charge-offs (x) | 3.2782% | 3,353 |
| Efficiency ratio | 67.7229% | 4,056 |
| Assets per employee ($millions) | 3.8800% | 4,105 |
| Cash dividends to net income (ytd only)* | 242.8377% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 4,375 |
| Loan loss allowance to noncurrent loans | 73.8365% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 2,328 |
| Noncurrent loans to loans | 1.6392% | 2,123 |
| Net loans and leases to total assets | 73.4182% | 1,518 |
| Net loans and leases to deposits | 97.6435% | 691 |
| Net loans and leases to core deposits | 98.8304% | 1,383 |
| Total domestic deposits to total assets | 75.1901% | 6,005 |
| Equity capital to assets | 12.9914% | 1,375 |
| Core capital (leverage) ratio | 10.8525% | 2,580 |
| Tier 1 risk-based capital ratio | 16.2908% | 2,933 |
| Total risk-based capital ratio | 17.5457% | 2,875 |
| Memoranda: | ||
| Average total assets | $7,954,468,330 | 129 |
| Average earning assets | $7,225,931,000 | 124 |
| Average equity | $1,057,854,670 | 126 |
| Average total loans | $5,861,171,000 | 119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 2,640 |
| Cost of funding earning assets | 0.7281% | 1,086 |
| Net interest margin | 3.5403% | 3,520 |
| Noninterest income to average assets | 0.7787% | 1,844 |
| Noninterest expense to average assets | 2.7338% | 3,821 |
| Loan and lease loss provision to assets | 0.3761% | 453 |
| Net operating income to assets | 0.6553% | 3,923 |
| Return on assets (ROA) | 0.6934% | 3,797 |
| Pretax return on assets | 0.9377% | 3,565 |
| Return on Equity (ROE) | 5.1547% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.1547% | 3,018 |
| Net charge-offs to loans | 0.1780% | 1,654 |
| Credit loss provision to net charge-offs | 287.9954% | 820 |
| Earnings coverage of net charge-offs (x) | 9.6660% | 1,920 |
| Efficiency ratio | 67.9949% | 4,184 |
| Assets per employee ($millions) | 3.9103% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,129 |
| Loan loss allowance to noncurrent loans | 69.8869% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5695% | 2,251 |
| Noncurrent loans to loans | 1.8590% | 2,051 |
| Net loans and leases to total assets | 72.2501% | 1,543 |
| Net loans and leases to deposits | 96.4715% | 623 |
| Net loans and leases to core deposits | 97.7625% | 1,253 |
| Total domestic deposits to total assets | 74.8927% | 6,164 |
| Equity capital to assets | 13.4801% | 1,104 |
| Core capital (leverage) ratio | 11.4026% | 2,048 |
| Tier 1 risk-based capital ratio | 17.4264% | 2,503 |
| Total risk-based capital ratio | 18.6852% | 2,470 |
| Memoranda: | ||
| Average total assets | $7,960,559,500 | 130 |
| Average earning assets | $7,234,512,500 | 124 |
| Average equity | $1,070,875,500 | 125 |
| Average total loans | $5,840,492,500 | 120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,345 |
| Cost of funding earning assets | 0.7790% | 1,327 |
| Net interest margin | 3.6854% | 3,114 |
| Noninterest income to average assets | 0.7538% | 2,274 |
| Noninterest expense to average assets | 2.7112% | 4,051 |
| Loan and lease loss provision to assets | 0.2329% | 1,546 |
| Net operating income to assets | 0.8298% | 3,136 |
| Return on assets (ROA) | 0.8322% | 3,209 |
| Pretax return on assets | 1.1612% | 2,727 |
| Return on Equity (ROE) | 6.4805% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.4805% | 1,698 |
| Net charge-offs to loans | 0.3566% | 1,893 |
| Credit loss provision to net charge-offs | 90.8239% | 2,732 |
| Earnings coverage of net charge-offs (x) | 5.4241% | 3,303 |
| Efficiency ratio | 65.7250% | 4,608 |
| Assets per employee ($millions) | 3.8693% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,508 |
| Loan loss allowance to noncurrent loans | 66.5429% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5871% | 2,343 |
| Noncurrent loans to loans | 1.8445% | 2,183 |
| Net loans and leases to total assets | 72.6344% | 1,572 |
| Net loans and leases to deposits | 97.2235% | 647 |
| Net loans and leases to core deposits | 98.5800% | 1,269 |
| Total domestic deposits to total assets | 74.7086% | 6,224 |
| Equity capital to assets | 13.4240% | 1,101 |
| Core capital (leverage) ratio | 11.4158% | 2,023 |
| Tier 1 risk-based capital ratio | 17.3386% | 2,478 |
| Total risk-based capital ratio | 18.6022% | 2,448 |
| Memoranda: | ||
| Average total assets | $7,952,529,800 | 129 |
| Average earning assets | $7,224,780,400 | 128 |
| Average equity | $1,021,258,800 | 127 |
| Average total loans | $5,718,462,800 | 121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 2,322 |
| Cost of funding earning assets | 0.7835% | 1,412 |
| Net interest margin | 3.6940% | 3,052 |
| Noninterest income to average assets | 0.7290% | 2,465 |
| Noninterest expense to average assets | 2.6726% | 4,124 |
| Loan and lease loss provision to assets | 0.2939% | 1,163 |
| Net operating income to assets | 0.8102% | 3,295 |
| Return on assets (ROA) | 0.8129% | 3,409 |
| Pretax return on assets | 1.1230% | 3,009 |
| Return on Equity (ROE) | 6.4024% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.4024% | 2,185 |
| Net charge-offs to loans | 0.3491% | 1,803 |
| Credit loss provision to net charge-offs | 117.7477% | 1,996 |
| Earnings coverage of net charge-offs (x) | 5.6615% | 3,136 |
| Efficiency ratio | 65.0097% | 4,646 |
| Assets per employee ($millions) | 3.9146% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,289 |
| Loan loss allowance to noncurrent loans | 61.7296% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 2,265 |
| Noncurrent loans to loans | 2.1386% | 2,087 |
| Net loans and leases to total assets | 71.6087% | 1,661 |
| Net loans and leases to deposits | 95.3426% | 740 |
| Net loans and leases to core deposits | 96.6825% | 1,339 |
| Total domestic deposits to total assets | 75.1067% | 6,270 |
| Equity capital to assets | 13.0278% | 1,318 |
| Core capital (leverage) ratio | 11.1546% | 2,338 |
| Tier 1 risk-based capital ratio | 16.9964% | 2,706 |
| Total risk-based capital ratio | 18.2607% | 2,666 |
| Memoranda: | ||
| Average total assets | $7,964,425,000 | 129 |
| Average earning assets | $7,237,211,750 | 126 |
| Average equity | $1,011,282,750 | 128 |
| Average total loans | $5,694,813,750 | 120 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,313 |
| Cost of funding earning assets | 0.7871% | 1,486 |
| Net interest margin | 3.6819% | 3,028 |
| Noninterest income to average assets | 0.7244% | 2,525 |
| Noninterest expense to average assets | 2.6948% | 4,053 |
| Loan and lease loss provision to assets | 0.3149% | 1,127 |
| Net operating income to assets | 0.7546% | 3,543 |
| Return on assets (ROA) | 0.7567% | 3,678 |
| Pretax return on assets | 1.0659% | 3,238 |
| Return on Equity (ROE) | 6.0113% | 4,168 |
| Retained earnings to average equity (ytd only) | 6.0113% | 2,435 |
| Net charge-offs to loans | 0.4647% | 1,419 |
| Credit loss provision to net charge-offs | 95.2320% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.1669% | 3,201 |
| Efficiency ratio | 65.7402% | 4,594 |
| Assets per employee ($millions) | 3.8762% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,628 |
| Loan loss allowance to noncurrent loans | 60.2077% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.7802% | 2,437 |
| Noncurrent loans to loans | 2.1159% | 2,264 |
| Net loans and leases to total assets | 70.5890% | 1,787 |
| Net loans and leases to deposits | 93.1746% | 868 |
| Net loans and leases to core deposits | 94.4276% | 1,484 |
| Total domestic deposits to total assets | 75.7599% | 6,272 |
| Equity capital to assets | 12.6894% | 1,473 |
| Core capital (leverage) ratio | 10.8317% | 2,522 |
| Tier 1 risk-based capital ratio | 16.6371% | 2,872 |
| Total risk-based capital ratio | 17.8991% | 2,834 |
| Memoranda: | ||
| Average total assets | $7,979,480,670 | 129 |
| Average earning assets | $7,256,080,670 | 126 |
| Average equity | $1,004,476,330 | 128 |
| Average total loans | $5,677,504,330 | 120 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 2,199 |
| Cost of funding earning assets | 0.7932% | 1,566 |
| Net interest margin | 3.6991% | 2,857 |
| Noninterest income to average assets | 0.7774% | 2,224 |
| Noninterest expense to average assets | 2.6431% | 4,268 |
| Loan and lease loss provision to assets | 0.3586% | 899 |
| Net operating income to assets | 0.7968% | 3,183 |
| Return on assets (ROA) | 0.8004% | 3,297 |
| Pretax return on assets | 1.1437% | 2,797 |
| Return on Equity (ROE) | 6.3835% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.3835% | 2,464 |
| Net charge-offs to loans | 0.5906% | 1,033 |
| Credit loss provision to net charge-offs | 85.5402% | 2,092 |
| Earnings coverage of net charge-offs (x) | 3.5715% | 2,737 |
| Efficiency ratio | 63.4170% | 5,091 |
| Assets per employee ($millions) | 3.8796% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,787 |
| Loan loss allowance to noncurrent loans | 57.2673% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 2,513 |
| Noncurrent loans to loans | 2.2385% | 2,342 |
| Net loans and leases to total assets | 69.2832% | 1,783 |
| Net loans and leases to deposits | 91.3401% | 863 |
| Net loans and leases to core deposits | 92.6463% | 1,444 |
| Total domestic deposits to total assets | 75.8519% | 6,377 |
| Equity capital to assets | 12.5963% | 1,656 |
| Core capital (leverage) ratio | 10.5710% | 2,685 |
| Tier 1 risk-based capital ratio | 16.5366% | 2,984 |
| Total risk-based capital ratio | 17.7983% | 2,934 |
| Memoranda: | ||
| Average total assets | $7,984,474,500 | 131 |
| Average earning assets | $7,258,870,500 | 129 |
| Average equity | $1,001,073,500 | 130 |
| Average total loans | $5,667,170,000 | 123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 2,323 |
| Cost of funding earning assets | 0.9609% | 1,580 |
| Net interest margin | 3.8079% | 3,195 |
| Noninterest income to average assets | 0.7769% | 2,357 |
| Noninterest expense to average assets | 2.7283% | 4,293 |
| Loan and lease loss provision to assets | 0.3282% | 2,070 |
| Net operating income to assets | 0.8270% | 3,148 |
| Return on assets (ROA) | 0.8298% | 3,393 |
| Pretax return on assets | 1.1798% | 2,868 |
| Return on Equity (ROE) | 6.0997% | 4,115 |
| Retained earnings to average equity (ytd only) | -9.9281% | 6,634 |
| Net charge-offs to loans | 0.4286% | 2,522 |
| Credit loss provision to net charge-offs | 108.5790% | 2,709 |
| Earnings coverage of net charge-offs (x) | 4.9761% | 3,189 |
| Efficiency ratio | 64.1666% | 4,850 |
| Assets per employee ($millions) | 3.9008% | 4,152 |
| Cash dividends to net income (ytd only)* | 262.7628% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,736 |
| Loan loss allowance to noncurrent loans | 60.9082% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8382% | 2,662 |
| Noncurrent loans to loans | 2.1026% | 2,577 |
| Net loans and leases to total assets | 70.8564% | 1,670 |
| Net loans and leases to deposits | 93.4627% | 786 |
| Net loans and leases to core deposits | 94.7432% | 1,404 |
| Total domestic deposits to total assets | 75.8125% | 6,379 |
| Equity capital to assets | 12.4789% | 1,729 |
| Core capital (leverage) ratio | 10.4115% | 2,870 |
| Tier 1 risk-based capital ratio | 15.6880% | 3,325 |
| Total risk-based capital ratio | 16.9449% | 3,278 |
| Memoranda: | ||
| Average total assets | $8,025,819,800 | 129 |
| Average earning assets | $7,282,678,200 | 129 |
| Average equity | $1,091,850,200 | 118 |
| Average total loans | $5,659,998,200 | 117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 2,347 |
| Cost of funding earning assets | 0.9903% | 1,623 |
| Net interest margin | 3.8226% | 3,237 |
| Noninterest income to average assets | 0.7081% | 2,668 |
| Noninterest expense to average assets | 2.6954% | 4,387 |
| Loan and lease loss provision to assets | 0.3012% | 2,192 |
| Net operating income to assets | 0.8221% | 3,331 |
| Return on assets (ROA) | 0.8213% | 3,581 |
| Pretax return on assets | 1.1798% | 3,062 |
| Return on Equity (ROE) | 5.9159% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.9159% | 2,751 |
| Net charge-offs to loans | 0.4281% | 2,384 |
| Credit loss provision to net charge-offs | 100.2152% | 2,953 |
| Earnings coverage of net charge-offs (x) | 4.9316% | 3,161 |
| Efficiency ratio | 64.2047% | 4,779 |
| Assets per employee ($millions) | 3.9736% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 5,088 |
| Loan loss allowance to noncurrent loans | 58.9355% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 2,842 |
| Noncurrent loans to loans | 2.1059% | 2,722 |
| Net loans and leases to total assets | 70.3163% | 1,854 |
| Net loans and leases to deposits | 94.7963% | 730 |
| Net loans and leases to core deposits | 96.3497% | 1,388 |
| Total domestic deposits to total assets | 74.1763% | 6,589 |
| Equity capital to assets | 14.1969% | 1,079 |
| Core capital (leverage) ratio | 12.3573% | 1,466 |
| Tier 1 risk-based capital ratio | 19.0421% | 1,997 |
| Total risk-based capital ratio | 20.2996% | 1,969 |
| Memoranda: | ||
| Average total assets | $8,040,937,750 | 128 |
| Average earning assets | $7,298,023,750 | 127 |
| Average equity | $1,116,315,250 | 117 |
| Average total loans | $5,645,702,750 | 117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 2,317 |
| Cost of funding earning assets | 1.0235% | 1,622 |
| Net interest margin | 3.8234% | 3,249 |
| Noninterest income to average assets | 0.6995% | 2,677 |
| Noninterest expense to average assets | 2.6954% | 4,451 |
| Loan and lease loss provision to assets | 0.2800% | 2,345 |
| Net operating income to assets | 0.8269% | 3,263 |
| Return on assets (ROA) | 0.8228% | 3,544 |
| Pretax return on assets | 1.1880% | 2,978 |
| Return on Equity (ROE) | 5.9719% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.9719% | 2,732 |
| Net charge-offs to loans | 0.4372% | 2,292 |
| Credit loss provision to net charge-offs | 91.6273% | 2,990 |
| Earnings coverage of net charge-offs (x) | 4.8237% | 2,980 |
| Efficiency ratio | 64.1321% | 4,881 |
| Assets per employee ($millions) | 3.9911% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 5,184 |
| Loan loss allowance to noncurrent loans | 59.7933% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.8347% | 2,991 |
| Noncurrent loans to loans | 2.0658% | 2,868 |
| Net loans and leases to total assets | 69.6024% | 1,987 |
| Net loans and leases to deposits | 93.4376% | 818 |
| Net loans and leases to core deposits | 95.1045% | 1,498 |
| Total domestic deposits to total assets | 74.4908% | 6,638 |
| Equity capital to assets | 13.9674% | 1,106 |
| Core capital (leverage) ratio | 12.1309% | 1,534 |
| Tier 1 risk-based capital ratio | 18.9464% | 1,982 |
| Total risk-based capital ratio | 20.2031% | 1,962 |
| Memoranda: | ||
| Average total assets | $8,036,429,330 | 128 |
| Average earning assets | $7,293,348,670 | 126 |
| Average equity | $1,107,260,000 | 117 |
| Average total loans | $5,616,010,000 | 115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 2,417 |
| Cost of funding earning assets | 1.0734% | 1,531 |
| Net interest margin | 3.7829% | 3,471 |
| Noninterest income to average assets | 0.6696% | 2,817 |
| Noninterest expense to average assets | 2.6503% | 4,620 |
| Loan and lease loss provision to assets | 0.3133% | 2,001 |
| Net operating income to assets | 0.7992% | 3,384 |
| Return on assets (ROA) | 0.7924% | 3,656 |
| Pretax return on assets | 1.1275% | 3,208 |
| Return on Equity (ROE) | 5.7909% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.7909% | 3,081 |
| Net charge-offs to loans | 0.3211% | 2,364 |
| Credit loss provision to net charge-offs | 140.2096% | 1,753 |
| Earnings coverage of net charge-offs (x) | 6.4917% | 2,200 |
| Efficiency ratio | 64.0935% | 4,904 |
| Assets per employee ($millions) | 4.0908% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 5,026 |
| Loan loss allowance to noncurrent loans | 58.3467% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.9055% | 3,036 |
| Noncurrent loans to loans | 2.2267% | 2,890 |
| Net loans and leases to total assets | 68.5871% | 2,012 |
| Net loans and leases to deposits | 91.3000% | 850 |
| Net loans and leases to core deposits | 92.9565% | 1,552 |
| Total domestic deposits to total assets | 75.1227% | 6,629 |
| Equity capital to assets | 13.6932% | 1,146 |
| Core capital (leverage) ratio | 12.0090% | 1,581 |
| Tier 1 risk-based capital ratio | 18.7567% | 2,064 |
| Total risk-based capital ratio | 20.0131% | 2,033 |
| Memoranda: | ||
| Average total assets | $8,027,593,000 | 127 |
| Average earning assets | $7,281,162,500 | 126 |
| Average equity | $1,098,415,000 | 117 |
| Average total loans | $5,586,037,000 | 115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 2,915 |
| Cost of funding earning assets | 1.1955% | 2,063 |
| Net interest margin | 3.7964% | 3,832 |
| Noninterest income to average assets | 0.7209% | 2,490 |
| Noninterest expense to average assets | 2.5609% | 5,250 |
| Loan and lease loss provision to assets | 0.4227% | 2,478 |
| Net operating income to assets | 0.8342% | 2,898 |
| Return on assets (ROA) | 0.8292% | 3,076 |
| Pretax return on assets | 1.1811% | 2,521 |
| Return on Equity (ROE) | 5.7676% | 3,993 |
| Retained earnings to average equity (ytd only) | -4.7798% | 6,429 |
| Net charge-offs to loans | 0.7143% | 2,373 |
| Credit loss provision to net charge-offs | 86.6291% | 4,177 |
| Earnings coverage of net charge-offs (x) | 3.3016% | 3,564 |
| Efficiency ratio | 60.6727% | 5,651 |
| Assets per employee ($millions) | 4.1240% | 3,602 |
| Cash dividends to net income (ytd only)* | 182.8726% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 5,019 |
| Loan loss allowance to noncurrent loans | 54.2194% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.9827% | 2,994 |
| Noncurrent loans to loans | 2.3607% | 2,775 |
| Net loans and leases to total assets | 68.7904% | 2,251 |
| Net loans and leases to deposits | 91.6646% | 998 |
| Net loans and leases to core deposits | 93.3489% | 1,763 |
| Total domestic deposits to total assets | 75.0458% | 6,601 |
| Equity capital to assets | 13.6726% | 1,187 |
| Core capital (leverage) ratio | 11.8140% | 1,699 |
| Tier 1 risk-based capital ratio | 18.5211% | 2,040 |
| Total risk-based capital ratio | 19.7765% | 2,006 |
| Memoranda: | ||
| Average total assets | $8,083,754,800 | 127 |
| Average earning assets | $7,348,097,800 | 124 |
| Average equity | $1,162,226,800 | 114 |
| Average total loans | $5,521,909,200 | 115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 3,162 |
| Cost of funding earning assets | 1.2081% | 2,274 |
| Net interest margin | 3.7770% | 3,980 |
| Noninterest income to average assets | 0.7108% | 2,537 |
| Noninterest expense to average assets | 2.5577% | 5,246 |
| Loan and lease loss provision to assets | 0.3891% | 2,525 |
| Net operating income to assets | 0.8444% | 2,963 |
| Return on assets (ROA) | 0.8409% | 3,133 |
| Pretax return on assets | 1.1958% | 2,650 |
| Return on Equity (ROE) | 5.7792% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.7792% | 2,689 |
| Net charge-offs to loans | 0.6499% | 2,302 |
| Credit loss provision to net charge-offs | 88.0773% | 3,847 |
| Earnings coverage of net charge-offs (x) | 3.5992% | 3,378 |
| Efficiency ratio | 60.9206% | 5,574 |
| Assets per employee ($millions) | 4.1518% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,897 |
| Loan loss allowance to noncurrent loans | 45.2278% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 2.2830% | 2,805 |
| Noncurrent loans to loans | 2.9302% | 2,378 |
| Net loans and leases to total assets | 68.1658% | 2,450 |
| Net loans and leases to deposits | 92.5853% | 960 |
| Net loans and leases to core deposits | 94.3696% | 1,760 |
| Total domestic deposits to total assets | 73.6248% | 6,801 |
| Equity capital to assets | 15.1816% | 803 |
| Core capital (leverage) ratio | 13.2364% | 1,133 |
| Tier 1 risk-based capital ratio | 21.0587% | 1,441 |
| Total risk-based capital ratio | 22.3160% | 1,421 |
| Memoranda: | ||
| Average total assets | $8,110,724,250 | 127 |
| Average earning assets | $7,380,315,250 | 125 |
| Average equity | $1,180,155,500 | 112 |
| Average total loans | $5,512,943,250 | 112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 3,401 |
| Cost of funding earning assets | 1.2185% | 2,451 |
| Net interest margin | 3.7305% | 4,115 |
| Noninterest income to average assets | 0.7198% | 2,440 |
| Noninterest expense to average assets | 2.5429% | 5,385 |
| Loan and lease loss provision to assets | 0.3832% | 2,503 |
| Net operating income to assets | 0.8348% | 2,923 |
| Return on assets (ROA) | 0.8269% | 3,066 |
| Pretax return on assets | 1.1791% | 2,565 |
| Return on Equity (ROE) | 5.7650% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.7650% | 2,560 |
| Net charge-offs to loans | 0.6015% | 2,321 |
| Credit loss provision to net charge-offs | 94.2242% | 3,336 |
| Earnings coverage of net charge-offs (x) | 3.8694% | 3,027 |
| Efficiency ratio | 61.0223% | 5,725 |
| Assets per employee ($millions) | 4.2129% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,711 |
| Loan loss allowance to noncurrent loans | 46.8054% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 2.2510% | 2,914 |
| Noncurrent loans to loans | 2.9339% | 2,483 |
| Net loans and leases to total assets | 66.7888% | 2,864 |
| Net loans and leases to deposits | 90.1289% | 1,256 |
| Net loans and leases to core deposits | 91.9215% | 2,147 |
| Total domestic deposits to total assets | 74.1036% | 6,831 |
| Equity capital to assets | 14.6936% | 895 |
| Core capital (leverage) ratio | 12.6673% | 1,297 |
| Tier 1 risk-based capital ratio | 20.1455% | 1,583 |
| Total risk-based capital ratio | 21.3657% | 1,566 |
| Memoranda: | ||
| Average total assets | $8,148,820,670 | 125 |
| Average earning assets | $7,419,563,670 | 123 |
| Average equity | $1,168,877,670 | 114 |
| Average total loans | $5,509,243,670 | 113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 3,298 |
| Cost of funding earning assets | 1.2346% | 2,598 |
| Net interest margin | 3.7233% | 3,984 |
| Noninterest income to average assets | 0.6834% | 2,664 |
| Noninterest expense to average assets | 2.4550% | 5,725 |
| Loan and lease loss provision to assets | 0.3549% | 2,424 |
| Net operating income to assets | 0.8796% | 2,666 |
| Return on assets (ROA) | 0.8797% | 2,727 |
| Pretax return on assets | 1.2654% | 2,147 |
| Return on Equity (ROE) | 6.2081% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.2081% | 2,520 |
| Net charge-offs to loans | 0.5226% | 2,177 |
| Credit loss provision to net charge-offs | 100.5273% | 2,628 |
| Earnings coverage of net charge-offs (x) | 4.5891% | 2,438 |
| Efficiency ratio | 59.4790% | 6,059 |
| Assets per employee ($millions) | 4.2980% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,703 |
| Loan loss allowance to noncurrent loans | 48.4975% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1742% | 3,101 |
| Noncurrent loans to loans | 2.8700% | 2,626 |
| Net loans and leases to total assets | 66.3936% | 2,904 |
| Net loans and leases to deposits | 88.8734% | 1,370 |
| Net loans and leases to core deposits | 90.5329% | 2,293 |
| Total domestic deposits to total assets | 74.7059% | 6,832 |
| Equity capital to assets | 14.3134% | 927 |
| Core capital (leverage) ratio | 12.4099% | 1,368 |
| Tier 1 risk-based capital ratio | 20.2000% | 1,546 |
| Total risk-based capital ratio | 21.4538% | 1,516 |
| Memoranda: | ||
| Average total assets | $8,166,256,000 | 129 |
| Average earning assets | $7,438,571,000 | 126 |
| Average equity | $1,157,200,500 | 115 |
| Average total loans | $5,516,534,000 | 115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 4,121 |
| Cost of funding earning assets | 1.4757% | 2,783 |
| Net interest margin | 3.6187% | 4,727 |
| Noninterest income to average assets | 0.7287% | 2,652 |
| Noninterest expense to average assets | 2.5000% | 5,796 |
| Loan and lease loss provision to assets | 0.4971% | 3,172 |
| Net operating income to assets | 0.7238% | 3,132 |
| Return on assets (ROA) | 0.7296% | 3,229 |
| Pretax return on assets | 1.0310% | 2,836 |
| Return on Equity (ROE) | 5.3047% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.3047% | 2,244 |
| Net charge-offs to loans | 0.6287% | 3,140 |
| Credit loss provision to net charge-offs | 117.4290% | 3,639 |
| Earnings coverage of net charge-offs (x) | 3.5906% | 3,294 |
| Efficiency ratio | 61.1622% | 5,864 |
| Assets per employee ($millions) | 4.3460% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,617 |
| Loan loss allowance to noncurrent loans | 51.0926% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.0843% | 3,241 |
| Noncurrent loans to loans | 2.6994% | 2,821 |
| Net loans and leases to total assets | 66.8396% | 3,263 |
| Net loans and leases to deposits | 89.9664% | 1,526 |
| Net loans and leases to core deposits | 91.6686% | 2,534 |
| Total domestic deposits to total assets | 74.2940% | 6,853 |
| Equity capital to assets | 14.0280% | 1,029 |
| Core capital (leverage) ratio | 12.1879% | 1,438 |
| Tier 1 risk-based capital ratio | 19.8480% | 1,513 |
| Total risk-based capital ratio | 21.1018% | 1,487 |
| Memoranda: | ||
| Average total assets | $8,144,575,200 | 132 |
| Average earning assets | $7,407,574,000 | 128 |
| Average equity | $1,120,162,200 | 114 |
| Average total loans | $5,483,822,400 | 116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 4,277 |
| Cost of funding earning assets | 1.5255% | 2,801 |
| Net interest margin | 3.5823% | 4,959 |
| Noninterest income to average assets | 0.7003% | 2,812 |
| Noninterest expense to average assets | 2.4632% | 5,843 |
| Loan and lease loss provision to assets | 0.4353% | 3,297 |
| Net operating income to assets | 0.7457% | 3,225 |
| Return on assets (ROA) | 0.7630% | 3,321 |
| Pretax return on assets | 1.0815% | 2,891 |
| Return on Equity (ROE) | 5.5756% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.5756% | 2,605 |
| Net charge-offs to loans | 0.4808% | 3,353 |
| Credit loss provision to net charge-offs | 134.6852% | 2,994 |
| Earnings coverage of net charge-offs (x) | 4.6175% | 2,973 |
| Efficiency ratio | 61.2209% | 5,749 |
| Assets per employee ($millions) | 4.3485% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,574 |
| Loan loss allowance to noncurrent loans | 74.6155% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 4,124 |
| Noncurrent loans to loans | 1.8498% | 3,865 |
| Net loans and leases to total assets | 67.5480% | 3,319 |
| Net loans and leases to deposits | 90.7532% | 1,612 |
| Net loans and leases to core deposits | 92.4336% | 2,738 |
| Total domestic deposits to total assets | 74.4304% | 6,867 |
| Equity capital to assets | 13.9770% | 1,168 |
| Core capital (leverage) ratio | 12.0922% | 1,617 |
| Tier 1 risk-based capital ratio | 19.3266% | 1,680 |
| Total risk-based capital ratio | 20.5803% | 1,646 |
| Memoranda: | ||
| Average total assets | $8,137,011,750 | 130 |
| Average earning assets | $7,394,508,250 | 128 |
| Average equity | $1,113,512,000 | 113 |
| Average total loans | $5,469,668,750 | 115 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 4,271 |
| Cost of funding earning assets | 1.5742% | 2,804 |
| Net interest margin | 3.5613% | 4,992 |
| Noninterest income to average assets | 0.6461% | 3,029 |
| Noninterest expense to average assets | 2.4571% | 5,893 |
| Loan and lease loss provision to assets | 0.4110% | 3,264 |
| Net operating income to assets | 0.7161% | 3,326 |
| Return on assets (ROA) | 0.7482% | 3,357 |
| Pretax return on assets | 1.0683% | 2,878 |
| Return on Equity (ROE) | 5.5070% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.5070% | 2,607 |
| Net charge-offs to loans | 0.4305% | 3,271 |
| Credit loss provision to net charge-offs | 142.9171% | 2,778 |
| Earnings coverage of net charge-offs (x) | 4.9850% | 2,788 |
| Efficiency ratio | 62.0181% | 5,689 |
| Assets per employee ($millions) | 4.3454% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 4,629 |
| Loan loss allowance to noncurrent loans | 69.2236% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6076% | 4,032 |
| Noncurrent loans to loans | 1.9631% | 3,771 |
| Net loans and leases to total assets | 67.0819% | 3,602 |
| Net loans and leases to deposits | 89.9724% | 1,860 |
| Net loans and leases to core deposits | 91.5448% | 3,053 |
| Total domestic deposits to total assets | 74.5584% | 6,906 |
| Equity capital to assets | 13.7751% | 1,251 |
| Core capital (leverage) ratio | 11.8906% | 1,707 |
| Tier 1 risk-based capital ratio | 19.7920% | 1,548 |
| Total risk-based capital ratio | 21.0218% | 1,522 |
| Memoranda: | ||
| Average total assets | $8,125,745,000 | 130 |
| Average earning assets | $7,402,772,670 | 127 |
| Average equity | $1,104,005,330 | 110 |
| Average total loans | $5,427,403,670 | 115 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 5,244 |
| Cost of funding earning assets | 1.6515% | 2,643 |
| Net interest margin | 3.2952% | 5,991 |
| Noninterest income to average assets | 0.6757% | 2,772 |
| Noninterest expense to average assets | 2.3868% | 6,140 |
| Loan and lease loss provision to assets | 0.4342% | 2,788 |
| Net operating income to assets | 0.6035% | 3,880 |
| Return on assets (ROA) | 0.6731% | 3,676 |
| Pretax return on assets | 0.9493% | 3,266 |
| Return on Equity (ROE) | 4.9890% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.9890% | 3,161 |
| Net charge-offs to loans | 0.3256% | 3,109 |
| Credit loss provision to net charge-offs | 201.4881% | 1,838 |
| Earnings coverage of net charge-offs (x) | 5.9654% | 2,309 |
| Efficiency ratio | 63.9450% | 5,507 |
| Assets per employee ($millions) | 4.3558% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 4,525 |
| Loan loss allowance to noncurrent loans | 70.6047% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 4,138 |
| Noncurrent loans to loans | 1.9526% | 3,855 |
| Net loans and leases to total assets | 65.7585% | 3,915 |
| Net loans and leases to deposits | 88.1908% | 2,191 |
| Net loans and leases to core deposits | 89.8639% | 3,379 |
| Total domestic deposits to total assets | 74.5639% | 6,973 |
| Equity capital to assets | 13.5331% | 1,308 |
| Core capital (leverage) ratio | 11.8097% | 1,746 |
| Tier 1 risk-based capital ratio | 19.4439% | 1,626 |
| Total risk-based capital ratio | 20.6747% | 1,610 |
| Memoranda: | ||
| Average total assets | $8,108,284,000 | 130 |
| Average earning assets | $7,373,572,000 | 127 |
| Average equity | $1,093,937,000 | 111 |
| Average total loans | $5,366,230,000 | 118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 2,876 |
| Cost of funding earning assets | 1.9719% | 3,094 |
| Net interest margin | 3.7755% | 3,820 |
| Noninterest income to average assets | 0.7767% | 2,530 |
| Noninterest expense to average assets | 2.7283% | 5,256 |
| Loan and lease loss provision to assets | 0.5739% | 3,506 |
| Net operating income to assets | 0.6837% | 3,001 |
| Return on assets (ROA) | 0.6236% | 3,299 |
| Pretax return on assets | 0.8143% | 3,194 |
| Return on Equity (ROE) | 5.7200% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.7073% | 2,600 |
| Net charge-offs to loans | 0.5054% | 3,757 |
| Credit loss provision to net charge-offs | 158.6736% | 2,825 |
| Earnings coverage of net charge-offs (x) | 4.0540% | 3,086 |
| Efficiency ratio | 64.0569% | 5,768 |
| Assets per employee ($millions) | 4.3254% | 3,231 |
| Cash dividends to net income (ytd only)* | 35.1873% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,607 |
| Loan loss allowance to noncurrent loans | 64.1304% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6110% | 3,957 |
| Noncurrent loans to loans | 2.0697% | 3,560 |
| Net loans and leases to total assets | 64.8106% | 4,412 |
| Net loans and leases to deposits | 86.7530% | 2,782 |
| Net loans and leases to core deposits | 96.6996% | 4,384 |
| Total domestic deposits to total assets | 74.7070% | 6,913 |
| Equity capital to assets | 13.4498% | 1,344 |
| Core capital (leverage) ratio | 12.6486% | 1,378 |
| Tier 1 risk-based capital ratio | 19.6928% | 1,518 |
| Total risk-based capital ratio | 20.9464% | 1,481 |
| Memoranda: | ||
| Average total assets | $7,291,953,800 | 134 |
| Average earning assets | $6,601,012,200 | 132 |
| Average equity | $794,941,400 | 130 |
| Average total loans | $5,218,159,000 | 120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 2,388 |
| Cost of funding earning assets | 2.0494% | 3,120 |
| Net interest margin | 3.8649% | 3,368 |
| Noninterest income to average assets | 0.7337% | 2,804 |
| Noninterest expense to average assets | 2.7288% | 5,200 |
| Loan and lease loss provision to assets | 0.5138% | 3,331 |
| Net operating income to assets | 0.7170% | 3,148 |
| Return on assets (ROA) | 0.6511% | 3,464 |
| Pretax return on assets | 0.8959% | 3,238 |
| Return on Equity (ROE) | 6.3982% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.9980% | 3,045 |
| Net charge-offs to loans | 0.3721% | 3,791 |
| Credit loss provision to net charge-offs | 188.5870% | 2,413 |
| Earnings coverage of net charge-offs (x) | 5.5051% | 2,803 |
| Efficiency ratio | 63.4758% | 5,845 |
| Assets per employee ($millions) | 3.8544% | 4,067 |
| Cash dividends to net income (ytd only)* | 37.5137% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 4,517 |
| Loan loss allowance to noncurrent loans | 57.8591% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 3,481 |
| Noncurrent loans to loans | 2.2432% | 3,327 |
| Net loans and leases to total assets | 71.8156% | 3,081 |
| Net loans and leases to deposits | 94.5088% | 1,788 |
| Net loans and leases to core deposits | 106.1579% | 3,686 |
| Total domestic deposits to total assets | 75.9882% | 6,578 |
| Equity capital to assets | 10.3640% | 3,662 |
| Core capital (leverage) ratio | 8.2702% | 5,881 |
| Tier 1 risk-based capital ratio | 12.6693% | 4,420 |
| Total risk-based capital ratio | 13.9255% | 4,364 |
| Memoranda: | ||
| Average total assets | $7,096,048,500 | 141 |
| Average earning assets | $6,416,830,250 | 138 |
| Average equity | $722,140,500 | 139 |
| Average total loans | $5,196,641,250 | 128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9524% | 2,375 |
| Cost of funding earning assets | 2.0796% | 3,368 |
| Net interest margin | 3.8729% | 3,236 |
| Noninterest income to average assets | 0.6977% | 3,006 |
| Noninterest expense to average assets | 2.7380% | 5,228 |
| Loan and lease loss provision to assets | 0.4956% | 3,060 |
| Net operating income to assets | 0.6931% | 3,289 |
| Return on assets (ROA) | 0.6114% | 3,739 |
| Pretax return on assets | 0.8529% | 3,496 |
| Return on Equity (ROE) | 6.0457% | 3,626 |
| Retained earnings to average equity (ytd only) | 2.4089% | 3,990 |
| Net charge-offs to loans | 0.2185% | 4,133 |
| Credit loss provision to net charge-offs | 308.9963% | 1,506 |
| Earnings coverage of net charge-offs (x) | 9.1152% | 2,173 |
| Efficiency ratio | 64.0660% | 5,902 |
| Assets per employee ($millions) | 3.8542% | 3,974 |
| Cash dividends to net income (ytd only)* | 60.1546% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,306 |
| Loan loss allowance to noncurrent loans | 54.4860% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 3,288 |
| Noncurrent loans to loans | 2.3741% | 3,043 |
| Net loans and leases to total assets | 71.2696% | 3,408 |
| Net loans and leases to deposits | 93.3286% | 2,207 |
| Net loans and leases to core deposits | 104.4511% | 4,017 |
| Total domestic deposits to total assets | 76.3642% | 6,475 |
| Equity capital to assets | 10.0303% | 3,898 |
| Core capital (leverage) ratio | 8.1488% | 6,079 |
| Tier 1 risk-based capital ratio | 12.4339% | 4,571 |
| Total risk-based capital ratio | 13.6880% | 4,494 |
| Memoranda: | ||
| Average total assets | $7,069,127,330 | 145 |
| Average earning assets | $6,392,637,670 | 143 |
| Average equity | $714,919,670 | 145 |
| Average total loans | $5,188,240,670 | 133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0211% | 2,276 |
| Cost of funding earning assets | 2.0979% | 3,662 |
| Net interest margin | 3.9232% | 2,960 |
| Noninterest income to average assets | 0.5030% | 4,301 |
| Noninterest expense to average assets | 2.6464% | 5,234 |
| Loan and lease loss provision to assets | 0.3290% | 3,350 |
| Net operating income to assets | 0.7567% | 3,318 |
| Return on assets (ROA) | 0.7584% | 3,482 |
| Pretax return on assets | 1.0796% | 3,062 |
| Return on Equity (ROE) | 7.4675% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.4675% | 2,035 |
| Net charge-offs to loans | 0.2479% | 3,165 |
| Credit loss provision to net charge-offs | 179.3670% | 2,420 |
| Earnings coverage of net charge-offs (x) | 7.6668% | 2,317 |
| Efficiency ratio | 64.1161% | 5,670 |
| Assets per employee ($millions) | 3.8142% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,430 |
| Loan loss allowance to noncurrent loans | 54.4730% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 3,401 |
| Noncurrent loans to loans | 2.0289% | 3,226 |
| Net loans and leases to total assets | 72.5480% | 3,108 |
| Net loans and leases to deposits | 97.1334% | 1,782 |
| Net loans and leases to core deposits | 108.5236% | 3,613 |
| Total domestic deposits to total assets | 74.6891% | 6,770 |
| Equity capital to assets | 10.1687% | 3,800 |
| Core capital (leverage) ratio | 8.1931% | 6,120 |
| Tier 1 risk-based capital ratio | 12.8305% | 4,304 |
| Total risk-based capital ratio | 14.0835% | 4,221 |
| Memoranda: | ||
| Average total assets | $7,028,885,000 | 147 |
| Average earning assets | $6,359,620,500 | 146 |
| Average equity | $713,815,000 | 146 |
| Average total loans | $5,201,221,000 | 135 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3703% | 3,574 |
| Cost of funding earning assets | 2.6222% | 3,569 |
| Net interest margin | 3.7482% | 4,233 |
| Noninterest income to average assets | 0.6782% | 3,266 |
| Noninterest expense to average assets | 2.5779% | 5,727 |
| Loan and lease loss provision to assets | 0.3308% | 3,745 |
| Net operating income to assets | 0.8542% | 3,211 |
| Return on assets (ROA) | 0.7488% | 3,517 |
| Pretax return on assets | 1.0222% | 3,301 |
| Return on Equity (ROE) | 7.2553% | 3,394 |
| Retained earnings to average equity (ytd only) | 1.7846% | 4,128 |
| Net charge-offs to loans | 0.1931% | 4,257 |
| Credit loss provision to net charge-offs | 235.4317% | 2,017 |
| Earnings coverage of net charge-offs (x) | 10.6555% | 2,482 |
| Efficiency ratio | 61.6992% | 6,013 |
| Assets per employee ($millions) | 3.7458% | 4,068 |
| Cash dividends to net income (ytd only)* | 75.4031% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,571 |
| Loan loss allowance to noncurrent loans | 54.8188% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 2,894 |
| Noncurrent loans to loans | 1.9266% | 2,862 |
| Net loans and leases to total assets | 73.8598% | 3,142 |
| Net loans and leases to deposits | 100.4889% | 1,788 |
| Net loans and leases to core deposits | 112.0319% | 3,559 |
| Total domestic deposits to total assets | 73.5004% | 6,740 |
| Equity capital to assets | 10.1420% | 3,871 |
| Core capital (leverage) ratio | 8.0513% | 6,404 |
| Tier 1 risk-based capital ratio | 12.7006% | 4,290 |
| Total risk-based capital ratio | 13.9525% | 4,203 |
| Memoranda: | ||
| Average total assets | $6,907,076,600 | 147 |
| Average earning assets | $6,260,034,600 | 142 |
| Average equity | $712,882,200 | 146 |
| Average total loans | $5,025,438,600 | 134 |