Home > Oriental Bank > Performance and Condition Ratios
Oriental 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 | 6.7861% | 263 |
| Cost of funding earning assets | 0.8663% | 3,589 |
| Net interest margin | 5.9198% | 119 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 3.4886% | 583 |
| Loan and lease loss provision to assets | 0.6000% | 137 |
| Net operating income to assets | 1.6829% | 759 |
| Return on assets (ROA) | 1.6740% | 737 |
| Pretax return on assets | 2.4538% | 352 |
| Return on Equity (ROE) | 16.9500% | 959 |
| Retained earnings to average equity (ytd only) | 12.4834% | 577 |
| Net charge-offs to loans | 0.7248% | 140 |
| Credit loss provision to net charge-offs | 116.2670% | 1,707 |
| Earnings coverage of net charge-offs (x) | 6.0184% | 2,501 |
| Efficiency ratio | 52.2354% | 3,810 |
| Assets per employee ($millions) | 5.0734% | 3,578 |
| Cash dividends to net income (ytd only)* | 26.3684% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1303% | 309 |
| Loan loss allowance to noncurrent loans | 114.8354% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3450% | 303 |
| Noncurrent loans to loans | 1.8551% | 315 |
| Net loans and leases to total assets | 65.8900% | 2,268 |
| Net loans and leases to deposits | 75.7211% | 2,480 |
| Net loans and leases to core deposits | 83.4741% | 2,496 |
| Total domestic deposits to total assets | 87.0200% | 1,674 |
| Equity capital to assets | 9.7448% | 2,164 |
| Core capital (leverage) ratio | 10.2024% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2674% | 1,774 |
| Memoranda: | ||
| Average total assets | $10,194,579,000 | 156 |
| Average earning assets | $9,548,987,600 | 151 |
| Average equity | $1,006,607,200 | 165 |
| Average total loans | $7,152,309,200 | 158 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7832% | 236 |
| Cost of funding earning assets | 0.7386% | 3,681 |
| Net interest margin | 6.0446% | 102 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 3.5418% | 524 |
| Loan and lease loss provision to assets | 0.5500% | 140 |
| Net operating income to assets | 1.7398% | 744 |
| Return on assets (ROA) | 1.7276% | 743 |
| Pretax return on assets | 2.5263% | 373 |
| Return on Equity (ROE) | 17.4300% | 1,022 |
| Retained earnings to average equity (ytd only) | 11.3386% | 1,101 |
| Net charge-offs to loans | 0.6725% | 136 |
| Credit loss provision to net charge-offs | 113.6562% | 1,524 |
| Earnings coverage of net charge-offs (x) | 6.4767% | 2,287 |
| Efficiency ratio | 52.3541% | 3,729 |
| Assets per employee ($millions) | 4.5515% | 3,910 |
| Cash dividends to net income (ytd only)* | 34.9561% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 316 |
| Loan loss allowance to noncurrent loans | 108.1499% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 239 |
| Noncurrent loans to loans | 1.9987% | 308 |
| Net loans and leases to total assets | 70.3100% | 1,789 |
| Net loans and leases to deposits | 83.3435% | 1,798 |
| Net loans and leases to core deposits | 90.8272% | 1,867 |
| Total domestic deposits to total assets | 84.3600% | 2,673 |
| Equity capital to assets | 9.7714% | 1,948 |
| Core capital (leverage) ratio | 10.1204% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0899% | 1,864 |
| Memoranda: | ||
| Average total assets | $9,935,091,500 | 159 |
| Average earning assets | $9,276,806,500 | 154 |
| Average equity | $984,613,000 | 169 |
| Average total loans | $7,049,705,500 | 161 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6721% | 221 |
| Cost of funding earning assets | 0.6263% | 3,691 |
| Net interest margin | 6.0458% | 105 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 3.5559% | 502 |
| Loan and lease loss provision to assets | 0.5000% | 149 |
| Net operating income to assets | 1.7751% | 684 |
| Return on assets (ROA) | 1.7567% | 708 |
| Pretax return on assets | 2.5509% | 332 |
| Return on Equity (ROE) | 17.6400% | 994 |
| Retained earnings to average equity (ytd only) | 13.5694% | 737 |
| Net charge-offs to loans | 0.4799% | 173 |
| Credit loss provision to net charge-offs | 143.3483% | 1,222 |
| Earnings coverage of net charge-offs (x) | 9.0578% | 2,036 |
| Efficiency ratio | 52.6051% | 3,732 |
| Assets per employee ($millions) | 4.4494% | 3,981 |
| Cash dividends to net income (ytd only)* | 23.0784% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2373% | 292 |
| Loan loss allowance to noncurrent loans | 106.1229% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 209 |
| Noncurrent loans to loans | 2.1082% | 253 |
| Net loans and leases to total assets | 70.3700% | 1,703 |
| Net loans and leases to deposits | 81.7056% | 1,849 |
| Net loans and leases to core deposits | 87.5265% | 1,963 |
| Total domestic deposits to total assets | 86.1200% | 2,198 |
| Equity capital to assets | 10.1774% | 1,759 |
| Core capital (leverage) ratio | 10.0656% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2206% | 1,809 |
| Memoranda: | ||
| Average total assets | $9,866,506,333 | 157 |
| Average earning assets | $9,193,059,000 | 151 |
| Average equity | $982,518,000 | 166 |
| Average total loans | $6,970,413,667 | 157 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5093% | 178 |
| Cost of funding earning assets | 0.5143% | 3,640 |
| Net interest margin | 5.9951% | 101 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.5422% | 512 |
| Loan and lease loss provision to assets | 0.3900% | 208 |
| Net operating income to assets | 1.8026% | 665 |
| Return on assets (ROA) | 1.8026% | 656 |
| Pretax return on assets | 2.5489% | 338 |
| Return on Equity (ROE) | 18.3000% | 985 |
| Retained earnings to average equity (ytd only) | 18.3049% | 490 |
| Net charge-offs to loans | 0.5882% | 141 |
| Credit loss provision to net charge-offs | 92.2036% | 1,168 |
| Earnings coverage of net charge-offs (x) | 7.1299% | 1,765 |
| Efficiency ratio | 53.6055% | 3,641 |
| Assets per employee ($millions) | 4.4900% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2053% | 317 |
| Loan loss allowance to noncurrent loans | 101.3384% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 191 |
| Noncurrent loans to loans | 2.1762% | 247 |
| Net loans and leases to total assets | 67.6300% | 1,879 |
| Net loans and leases to deposits | 78.4940% | 1,929 |
| Net loans and leases to core deposits | 83.3515% | 2,035 |
| Total domestic deposits to total assets | 86.1600% | 2,542 |
| Equity capital to assets | 10.0266% | 1,810 |
| Core capital (leverage) ratio | 9.9283% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2211% | 1,898 |
| Memoranda: | ||
| Average total assets | $9,834,217,000 | 163 |
| Average earning assets | $9,152,610,500 | 157 |
| Average equity | $968,416,000 | 171 |
| Average total loans | $6,881,537,000 | 164 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 139 |
| Cost of funding earning assets | 0.2857% | 2,995 |
| Net interest margin | 5.3013% | 104 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 3.3960% | 548 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.6295% | 639 |
| Return on assets (ROA) | 1.6276% | 612 |
| Pretax return on assets | 2.3798% | 241 |
| Return on Equity (ROE) | 16.8200% | 887 |
| Retained earnings to average equity (ytd only) | 2.3049% | 3,918 |
| Net charge-offs to loans | 0.4135% | 185 |
| Credit loss provision to net charge-offs | 88.2043% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.4542% | 2,224 |
| Efficiency ratio | 54.9913% | 3,684 |
| Assets per employee ($millions) | 4.3718% | 4,101 |
| Cash dividends to net income (ytd only)* | 86.2940% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 299 |
| Loan loss allowance to noncurrent loans | 87.7840% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9067% | 129 |
| Noncurrent loans to loans | 2.5294% | 184 |
| Net loans and leases to total assets | 69.2400% | 1,710 |
| Net loans and leases to deposits | 78.3557% | 1,906 |
| Net loans and leases to core deposits | 82.1448% | 1,997 |
| Total domestic deposits to total assets | 88.3700% | 1,940 |
| Equity capital to assets | 9.6636% | 1,906 |
| Core capital (leverage) ratio | 9.4167% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6111% | 2,123 |
| Memoranda: | ||
| Average total assets | $9,968,033,600 | 160 |
| Average earning assets | $9,266,212,400 | 155 |
| Average equity | $964,737,000 | 171 |
| Average total loans | $6,691,560,200 | 163 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3177% | 137 |
| Cost of funding earning assets | 0.2518% | 2,681 |
| Net interest margin | 5.0660% | 113 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 3.3378% | 565 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.5618% | 720 |
| Return on assets (ROA) | 1.5618% | 699 |
| Pretax return on assets | 2.2825% | 285 |
| Return on Equity (ROE) | 16.1300% | 952 |
| Retained earnings to average equity (ytd only) | 2.4046% | 3,938 |
| Net charge-offs to loans | 0.3304% | 195 |
| Credit loss provision to net charge-offs | 95.2936% | 1,354 |
| Earnings coverage of net charge-offs (x) | 11.3604% | 1,948 |
| Efficiency ratio | 55.8446% | 3,635 |
| Assets per employee ($millions) | 4.5234% | 4,036 |
| Cash dividends to net income (ytd only)* | 85.0933% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 292 |
| Loan loss allowance to noncurrent loans | 90.6839% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 150 |
| Noncurrent loans to loans | 2.5363% | 207 |
| Net loans and leases to total assets | 66.0200% | 1,887 |
| Net loans and leases to deposits | 74.3096% | 2,021 |
| Net loans and leases to core deposits | 77.0787% | 2,104 |
| Total domestic deposits to total assets | 88.8500% | 2,153 |
| Equity capital to assets | 9.2359% | 2,050 |
| Core capital (leverage) ratio | 9.1920% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7686% | 2,144 |
| Memoranda: | ||
| Average total assets | $10,032,625,250 | 160 |
| Average earning assets | $9,326,318,000 | 155 |
| Average equity | $971,344,750 | 171 |
| Average total loans | $6,645,473,000 | 161 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 155 |
| Cost of funding earning assets | 0.2373% | 2,423 |
| Net interest margin | 4.8328% | 125 |
| Noninterest income to average assets | 1.1836% | 485 |
| Noninterest expense to average assets | 3.3039% | 547 |
| Loan and lease loss provision to assets | 0.1590% | 587 |
| Net operating income to assets | 1.5300% | 654 |
| Return on assets (ROA) | 1.5300% | 635 |
| Pretax return on assets | 2.2132% | 240 |
| Return on Equity (ROE) | 15.5654% | 785 |
| Retained earnings to average equity (ytd only) | 0.1774% | 4,155 |
| Net charge-offs to loans | 0.1549% | 412 |
| Credit loss provision to net charge-offs | 160.5859% | 1,064 |
| Earnings coverage of net charge-offs (x) | 23.2797% | 1,492 |
| Efficiency ratio | 56.7019% | 3,704 |
| Assets per employee ($millions) | 4.5652% | 4,025 |
| Cash dividends to net income (ytd only)* | 98.8605% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3581% | 303 |
| Loan loss allowance to noncurrent loans | 87.8203% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9242% | 154 |
| Noncurrent loans to loans | 2.6852% | 207 |
| Net loans and leases to total assets | 64.5979% | 1,844 |
| Net loans and leases to deposits | 72.7681% | 1,973 |
| Net loans and leases to core deposits | 75.6165% | 2,050 |
| Total domestic deposits to total assets | 88.7723% | 2,271 |
| Equity capital to assets | 9.4068% | 2,093 |
| Core capital (leverage) ratio | 8.9844% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4097% | 2,338 |
| Memoranda: | ||
| Average total assets | $10,049,138,667 | 158 |
| Average earning assets | $9,341,515,667 | 155 |
| Average equity | $987,783,667 | 167 |
| Average total loans | $6,611,900,667 | 160 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 172 |
| Cost of funding earning assets | 0.2413% | 2,255 |
| Net interest margin | 4.6744% | 143 |
| Noninterest income to average assets | 1.1188% | 540 |
| Noninterest expense to average assets | 3.2718% | 559 |
| Loan and lease loss provision to assets | 0.0628% | 1,288 |
| Net operating income to assets | 1.4880% | 648 |
| Return on assets (ROA) | 1.4880% | 643 |
| Pretax return on assets | 2.1308% | 284 |
| Return on Equity (ROE) | 14.8130% | 684 |
| Retained earnings to average equity (ytd only) | 2.8393% | 3,321 |
| Net charge-offs to loans | 0.0352% | 947 |
| Credit loss provision to net charge-offs | 297.5694% | 674 |
| Earnings coverage of net charge-offs (x) | 94.9844% | 692 |
| Efficiency ratio | 58.2896% | 3,649 |
| Assets per employee ($millions) | 4.5627% | 4,095 |
| Cash dividends to net income (ytd only)* | 80.8320% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3777% | 330 |
| Loan loss allowance to noncurrent loans | 103.0716% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 206 |
| Noncurrent loans to loans | 2.3068% | 282 |
| Net loans and leases to total assets | 63.5537% | 1,676 |
| Net loans and leases to deposits | 71.6582% | 1,810 |
| Net loans and leases to core deposits | 74.5723% | 1,891 |
| Total domestic deposits to total assets | 88.6902% | 2,213 |
| Equity capital to assets | 9.7882% | 2,060 |
| Core capital (leverage) ratio | 9.1686% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9316% | 2,245 |
| Memoranda: | ||
| Average total assets | $9,976,632,000 | 159 |
| Average earning assets | $9,277,026,000 | 156 |
| Average equity | $1,002,203,500 | 169 |
| Average total loans | $6,545,726,500 | 161 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 335 |
| Cost of funding earning assets | 0.3567% | 1,879 |
| Net interest margin | 4.4892% | 280 |
| Noninterest income to average assets | 1.1393% | 808 |
| Noninterest expense to average assets | 3.1949% | 736 |
| Loan and lease loss provision to assets | 0.0076% | 2,932 |
| Net operating income to assets | 1.4262% | 1,189 |
| Return on assets (ROA) | 1.4264% | 1,259 |
| Pretax return on assets | 2.0860% | 508 |
| Return on Equity (ROE) | 14.0899% | 1,161 |
| Retained earnings to average equity (ytd only) | -5.1741% | 4,711 |
| Net charge-offs to loans | 0.7577% | 97 |
| Credit loss provision to net charge-offs | 1.7767% | 2,324 |
| Earnings coverage of net charge-offs (x) | 4.2504% | 2,501 |
| Efficiency ratio | 58.5784% | 3,351 |
| Assets per employee ($millions) | 4.3427% | 4,239 |
| Cash dividends to net income (ytd only)* | 136.7220% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4045% | 321 |
| Loan loss allowance to noncurrent loans | 78.0477% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.1909% | 135 |
| Noncurrent loans to loans | 3.0808% | 189 |
| Net loans and leases to total assets | 64.5470% | 1,645 |
| Net loans and leases to deposits | 73.3889% | 1,782 |
| Net loans and leases to core deposits | 76.6506% | 1,863 |
| Total domestic deposits to total assets | 87.9520% | 2,071 |
| Equity capital to assets | 10.3118% | 2,357 |
| Core capital (leverage) ratio | 8.8686% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3418% | 2,105 |
| Memoranda: | ||
| Average total assets | $10,101,754,400 | 158 |
| Average earning assets | $9,336,341,400 | 158 |
| Average equity | $1,022,636,200 | 170 |
| Average total loans | $6,566,896,800 | 161 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 401 |
| Cost of funding earning assets | 0.3836% | 1,832 |
| Net interest margin | 4.4282% | 360 |
| Noninterest income to average assets | 1.0855% | 937 |
| Noninterest expense to average assets | 3.1151% | 800 |
| Loan and lease loss provision to assets | -0.0873% | 4,574 |
| Net operating income to assets | 1.4696% | 1,339 |
| Return on assets (ROA) | 1.4696% | 1,390 |
| Pretax return on assets | 2.1455% | 616 |
| Return on Equity (ROE) | 14.5822% | 1,234 |
| Retained earnings to average equity (ytd only) | -3.2297% | 4,753 |
| Net charge-offs to loans | 0.3496% | 222 |
| Credit loss provision to net charge-offs | -38.5747% | 3,120 |
| Earnings coverage of net charge-offs (x) | 9.0940% | 2,087 |
| Efficiency ratio | 58.3526% | 3,214 |
| Assets per employee ($millions) | 4.6373% | 4,019 |
| Cash dividends to net income (ytd only)* | 122.1480% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7984% | 194 |
| Loan loss allowance to noncurrent loans | 75.9344% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 2.3875% | 131 |
| Noncurrent loans to loans | 3.6853% | 153 |
| Net loans and leases to total assets | 59.4978% | 2,321 |
| Net loans and leases to deposits | 67.8213% | 2,454 |
| Net loans and leases to core deposits | 71.0834% | 2,505 |
| Total domestic deposits to total assets | 87.7274% | 1,992 |
| Equity capital to assets | 9.8648% | 3,030 |
| Core capital (leverage) ratio | 8.9626% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6994% | 2,089 |
| Memoranda: | ||
| Average total assets | $10,175,757,500 | 159 |
| Average earning assets | $9,393,362,000 | 158 |
| Average equity | $1,025,508,500 | 169 |
| Average total loans | $6,587,309,000 | 162 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 422 |
| Cost of funding earning assets | 0.4261% | 1,690 |
| Net interest margin | 4.4544% | 388 |
| Noninterest income to average assets | 1.0490% | 998 |
| Noninterest expense to average assets | 3.1546% | 774 |
| Loan and lease loss provision to assets | -0.0372% | 4,481 |
| Net operating income to assets | 1.3866% | 1,597 |
| Return on assets (ROA) | 1.3866% | 1,672 |
| Pretax return on assets | 2.0356% | 777 |
| Return on Equity (ROE) | 13.6571% | 1,515 |
| Retained earnings to average equity (ytd only) | -10.2614% | 4,874 |
| Net charge-offs to loans | 0.3386% | 257 |
| Credit loss provision to net charge-offs | -16.6533% | 2,915 |
| Earnings coverage of net charge-offs (x) | 8.9459% | 1,858 |
| Efficiency ratio | 59.3250% | 3,111 |
| Assets per employee ($millions) | 4.6343% | 3,985 |
| Cash dividends to net income (ytd only)* | 175.1364% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9289% | 165 |
| Loan loss allowance to noncurrent loans | 73.3500% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.6668% | 118 |
| Noncurrent loans to loans | 3.9930% | 138 |
| Net loans and leases to total assets | 61.2910% | 2,266 |
| Net loans and leases to deposits | 69.7132% | 2,442 |
| Net loans and leases to core deposits | 73.6734% | 2,441 |
| Total domestic deposits to total assets | 87.9188% | 1,877 |
| Equity capital to assets | 9.7613% | 3,080 |
| Core capital (leverage) ratio | 8.9616% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5785% | 2,130 |
| Memoranda: | ||
| Average total assets | $10,047,948,667 | 160 |
| Average earning assets | $9,257,520,000 | 157 |
| Average equity | $1,020,131,333 | 169 |
| Average total loans | $6,628,626,333 | 163 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 404 |
| Cost of funding earning assets | 0.4681% | 1,600 |
| Net interest margin | 4.4474% | 392 |
| Noninterest income to average assets | 1.0553% | 1,048 |
| Noninterest expense to average assets | 3.1805% | 732 |
| Loan and lease loss provision to assets | 0.2536% | 409 |
| Net operating income to assets | 1.1718% | 2,259 |
| Return on assets (ROA) | 1.1718% | 2,328 |
| Pretax return on assets | 1.7122% | 1,464 |
| Return on Equity (ROE) | 11.3136% | 2,266 |
| Retained earnings to average equity (ytd only) | -30.4744% | 4,952 |
| Net charge-offs to loans | 0.5460% | 145 |
| Credit loss provision to net charge-offs | 68.8523% | 1,252 |
| Earnings coverage of net charge-offs (x) | 5.3373% | 1,683 |
| Efficiency ratio | 59.8757% | 3,048 |
| Assets per employee ($millions) | 4.4524% | 4,148 |
| Cash dividends to net income (ytd only)* | 369.3604% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0445% | 139 |
| Loan loss allowance to noncurrent loans | 66.4319% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 3.1963% | 88 |
| Noncurrent loans to loans | 4.5829% | 100 |
| Net loans and leases to total assets | 64.3207% | 2,007 |
| Net loans and leases to deposits | 73.2768% | 2,186 |
| Net loans and leases to core deposits | 78.7324% | 2,117 |
| Total domestic deposits to total assets | 87.7777% | 1,964 |
| Equity capital to assets | 9.8376% | 2,856 |
| Core capital (leverage) ratio | 8.9547% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3199% | 2,153 |
| Memoranda: | ||
| Average total assets | $9,888,418,500 | 160 |
| Average earning assets | $9,096,193,000 | 159 |
| Average equity | $1,024,218,500 | 168 |
| Average total loans | $6,670,061,000 | 163 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 216 |
| Cost of funding earning assets | 0.6285% | 2,130 |
| Net interest margin | 4.7808% | 180 |
| Noninterest income to average assets | 0.9691% | 1,108 |
| Noninterest expense to average assets | 3.4594% | 736 |
| Loan and lease loss provision to assets | 0.9741% | 102 |
| Net operating income to assets | 0.7387% | 3,303 |
| Return on assets (ROA) | 0.7785% | 3,297 |
| Pretax return on assets | 0.9589% | 3,183 |
| Return on Equity (ROE) | 7.2210% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.7047% | 2,416 |
| Net charge-offs to loans | 1.3986% | 75 |
| Credit loss provision to net charge-offs | 98.4764% | 2,857 |
| Earnings coverage of net charge-offs (x) | 1.9045% | 3,224 |
| Efficiency ratio | 62.5896% | 3,038 |
| Assets per employee ($millions) | 4.3032% | 4,117 |
| Cash dividends to net income (ytd only)* | 34.8469% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0541% | 137 |
| Loan loss allowance to noncurrent loans | 59.2132% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 3.6564% | 76 |
| Noncurrent loans to loans | 5.1578% | 79 |
| Net loans and leases to total assets | 66.4967% | 2,020 |
| Net loans and leases to deposits | 77.0590% | 2,168 |
| Net loans and leases to core deposits | 83.7871% | 2,055 |
| Total domestic deposits to total assets | 86.2932% | 2,235 |
| Equity capital to assets | 10.8898% | 2,354 |
| Core capital (leverage) ratio | 9.8062% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3170% | 1,739 |
| Memoranda: | ||
| Average total assets | $9,620,746,000 | 152 |
| Average earning assets | $8,802,373,800 | 152 |
| Average equity | $1,037,234,200 | 160 |
| Average total loans | $6,804,555,800 | 156 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 224 |
| Cost of funding earning assets | 0.6604% | 2,269 |
| Net interest margin | 4.8515% | 183 |
| Noninterest income to average assets | 0.9588% | 1,101 |
| Noninterest expense to average assets | 3.4261% | 773 |
| Loan and lease loss provision to assets | 1.1049% | 109 |
| Net operating income to assets | 0.7050% | 3,441 |
| Return on assets (ROA) | 0.7590% | 3,364 |
| Pretax return on assets | 0.9278% | 3,303 |
| Return on Equity (ROE) | 7.0581% | 3,174 |
| Retained earnings to average equity (ytd only) | 4.9748% | 2,569 |
| Net charge-offs to loans | 0.9831% | 140 |
| Credit loss provision to net charge-offs | 157.6975% | 2,285 |
| Earnings coverage of net charge-offs (x) | 2.8072% | 2,957 |
| Efficiency ratio | 61.3831% | 3,164 |
| Assets per employee ($millions) | 4.2964% | 4,050 |
| Cash dividends to net income (ytd only)* | 29.5169% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4531% | 99 |
| Loan loss allowance to noncurrent loans | 62.3822% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 3.9761% | 81 |
| Noncurrent loans to loans | 5.5354% | 84 |
| Net loans and leases to total assets | 65.9478% | 2,526 |
| Net loans and leases to deposits | 76.0691% | 2,747 |
| Net loans and leases to core deposits | 83.4652% | 2,529 |
| Total domestic deposits to total assets | 86.6945% | 1,775 |
| Equity capital to assets | 10.5348% | 2,763 |
| Core capital (leverage) ratio | 9.5802% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8917% | 1,861 |
| Memoranda: | ||
| Average total assets | $9,581,728,750 | 152 |
| Average earning assets | $8,757,632,750 | 152 |
| Average equity | $1,030,375,000 | 160 |
| Average total loans | $6,829,177,750 | 157 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7122% | 225 |
| Cost of funding earning assets | 0.7028% | 2,366 |
| Net interest margin | 5.0095% | 203 |
| Noninterest income to average assets | 0.9040% | 1,161 |
| Noninterest expense to average assets | 3.4939% | 754 |
| Loan and lease loss provision to assets | 1.4016% | 98 |
| Net operating income to assets | 0.4636% | 4,101 |
| Return on assets (ROA) | 0.5436% | 3,980 |
| Pretax return on assets | 0.6826% | 3,905 |
| Return on Equity (ROE) | 5.0196% | 3,823 |
| Retained earnings to average equity (ytd only) | 3.8276% | 2,999 |
| Net charge-offs to loans | 1.1643% | 117 |
| Credit loss provision to net charge-offs | 166.4639% | 2,053 |
| Earnings coverage of net charge-offs (x) | 2.3566% | 2,783 |
| Efficiency ratio | 61.6330% | 3,177 |
| Assets per employee ($millions) | 4.2664% | 4,041 |
| Cash dividends to net income (ytd only)* | 23.7465% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3377% | 101 |
| Loan loss allowance to noncurrent loans | 62.4021% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 4.0197% | 89 |
| Noncurrent loans to loans | 5.3487% | 93 |
| Net loans and leases to total assets | 68.1162% | 2,334 |
| Net loans and leases to deposits | 78.7477% | 2,575 |
| Net loans and leases to core deposits | 87.8846% | 2,253 |
| Total domestic deposits to total assets | 86.4992% | 1,805 |
| Equity capital to assets | 10.4246% | 2,814 |
| Core capital (leverage) ratio | 9.7626% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4064% | 2,031 |
| Memoranda: | ||
| Average total assets | $9,450,209,667 | 152 |
| Average earning assets | $8,628,863,000 | 153 |
| Average equity | $1,023,506,667 | 161 |
| Average total loans | $6,834,086,000 | 154 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9092% | 180 |
| Cost of funding earning assets | 0.7644% | 2,587 |
| Net interest margin | 5.1448% | 155 |
| Noninterest income to average assets | 0.9062% | 1,055 |
| Noninterest expense to average assets | 3.6441% | 762 |
| Loan and lease loss provision to assets | 2.1035% | 62 |
| Net operating income to assets | -0.1331% | 4,815 |
| Return on assets (ROA) | 0.0719% | 4,681 |
| Pretax return on assets | 0.0564% | 4,698 |
| Return on Equity (ROE) | 0.6505% | 4,675 |
| Retained earnings to average equity (ytd only) | 0.6505% | 3,831 |
| Net charge-offs to loans | 1.4211% | 102 |
| Credit loss provision to net charge-offs | 201.9139% | 1,409 |
| Earnings coverage of net charge-offs (x) | 1.8766% | 2,333 |
| Efficiency ratio | 62.9237% | 3,381 |
| Assets per employee ($millions) | 3.8410% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4075% | 104 |
| Loan loss allowance to noncurrent loans | 63.1505% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 4.2670% | 90 |
| Noncurrent loans to loans | 5.3959% | 102 |
| Net loans and leases to total assets | 71.0755% | 2,078 |
| Net loans and leases to deposits | 83.4804% | 2,286 |
| Net loans and leases to core deposits | 94.8360% | 1,898 |
| Total domestic deposits to total assets | 85.1403% | 2,357 |
| Equity capital to assets | 10.9909% | 2,863 |
| Core capital (leverage) ratio | 9.6780% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0588% | 2,261 |
| Memoranda: | ||
| Average total assets | $9,228,439,000 | 152 |
| Average earning assets | $8,417,725,000 | 151 |
| Average equity | $1,019,570,000 | 163 |
| Average total loans | $6,765,157,000 | 156 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8366% | 303 |
| Cost of funding earning assets | 0.7513% | 2,915 |
| Net interest margin | 5.0853% | 223 |
| Noninterest income to average assets | 0.7485% | 1,634 |
| Noninterest expense to average assets | 3.0453% | 1,898 |
| Loan and lease loss provision to assets | 1.3824% | 63 |
| Net operating income to assets | 0.7081% | 3,849 |
| Return on assets (ROA) | 0.8015% | 3,636 |
| Pretax return on assets | 1.0975% | 3,175 |
| Return on Equity (ROE) | 5.5443% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.5683% | 3,218 |
| Net charge-offs to loans | 1.4879% | 97 |
| Credit loss provision to net charge-offs | 129.5032% | 1,973 |
| Earnings coverage of net charge-offs (x) | 2.2125% | 3,444 |
| Efficiency ratio | 56.0119% | 4,199 |
| Assets per employee ($millions) | 3.9631% | 3,946 |
| Cash dividends to net income (ytd only)* | 35.6405% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 755 |
| Loan loss allowance to noncurrent loans | 39.3099% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.5269% | 127 |
| Noncurrent loans to loans | 4.3865% | 134 |
| Net loans and leases to total assets | 71.7748% | 2,124 |
| Net loans and leases to deposits | 86.1029% | 2,077 |
| Net loans and leases to core deposits | 97.9658% | 1,728 |
| Total domestic deposits to total assets | 83.3593% | 3,081 |
| Equity capital to assets | 11.1051% | 2,901 |
| Core capital (leverage) ratio | 8.8529% | 4,636 |
| Tier 1 risk-based capital ratio | 11.9413% | 4,393 |
| Total risk-based capital ratio | 13.2096% | 4,262 |
| Memoranda: | ||
| Average total assets | $7,001,629,600 | 175 |
| Average earning assets | $6,414,004,800 | 173 |
| Average equity | $1,012,131,000 | 162 |
| Average total loans | $5,023,354,200 | 176 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3824% | 130 |
| Cost of funding earning assets | 0.8323% | 2,557 |
| Net interest margin | 5.5501% | 112 |
| Noninterest income to average assets | 0.8028% | 1,415 |
| Noninterest expense to average assets | 2.9086% | 2,237 |
| Loan and lease loss provision to assets | 1.5267% | 56 |
| Net operating income to assets | 1.0276% | 2,875 |
| Return on assets (ROA) | 1.1629% | 2,413 |
| Pretax return on assets | 1.6342% | 1,517 |
| Return on Equity (ROE) | 7.4262% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.7815% | 3,004 |
| Net charge-offs to loans | 1.7531% | 69 |
| Credit loss provision to net charge-offs | 122.1705% | 1,930 |
| Earnings coverage of net charge-offs (x) | 2.3923% | 3,200 |
| Efficiency ratio | 49.0061% | 4,799 |
| Assets per employee ($millions) | 4.4987% | 3,207 |
| Cash dividends to net income (ytd only)* | 35.6138% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3836% | 96 |
| Loan loss allowance to noncurrent loans | 84.0154% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 3.3520% | 155 |
| Noncurrent loans to loans | 4.0273% | 170 |
| Net loans and leases to total assets | 70.1263% | 2,451 |
| Net loans and leases to deposits | 90.0046% | 1,695 |
| Net loans and leases to core deposits | 104.9627% | 1,262 |
| Total domestic deposits to total assets | 77.9140% | 4,361 |
| Equity capital to assets | 16.3719% | 578 |
| Core capital (leverage) ratio | 14.8263% | 777 |
| Tier 1 risk-based capital ratio | 19.5527% | 1,449 |
| Total risk-based capital ratio | 20.8283% | 1,413 |
| Memoranda: | ||
| Average total assets | $6,438,603,000 | 187 |
| Average earning assets | $5,911,109,500 | 185 |
| Average equity | $1,008,255,250 | 165 |
| Average total loans | $4,589,596,750 | 187 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3428% | 141 |
| Cost of funding earning assets | 0.8269% | 2,513 |
| Net interest margin | 5.5160% | 121 |
| Noninterest income to average assets | 0.7906% | 1,379 |
| Noninterest expense to average assets | 2.9068% | 2,267 |
| Loan and lease loss provision to assets | 0.9231% | 103 |
| Net operating income to assets | 1.3790% | 1,484 |
| Return on assets (ROA) | 1.4953% | 1,210 |
| Pretax return on assets | 2.1763% | 467 |
| Return on Equity (ROE) | 9.6909% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.6964% | 2,420 |
| Net charge-offs to loans | 1.1246% | 119 |
| Credit loss provision to net charge-offs | 115.8314% | 1,796 |
| Earnings coverage of net charge-offs (x) | 3.7044% | 2,805 |
| Efficiency ratio | 49.3054% | 4,821 |
| Assets per employee ($millions) | 4.6493% | 2,937 |
| Cash dividends to net income (ytd only)* | 41.2193% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5074% | 86 |
| Loan loss allowance to noncurrent loans | 69.1326% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 4.1387% | 105 |
| Noncurrent loans to loans | 5.0734% | 102 |
| Net loans and leases to total assets | 69.9417% | 2,538 |
| Net loans and leases to deposits | 90.3653% | 1,694 |
| Net loans and leases to core deposits | 107.5178% | 1,134 |
| Total domestic deposits to total assets | 77.3989% | 4,506 |
| Equity capital to assets | 15.9373% | 623 |
| Core capital (leverage) ratio | 14.5395% | 815 |
| Tier 1 risk-based capital ratio | 18.9159% | 1,571 |
| Total risk-based capital ratio | 20.1925% | 1,533 |
| Memoranda: | ||
| Average total assets | $6,489,920,670 | 185 |
| Average earning assets | $5,963,320,670 | 184 |
| Average equity | $1,001,369,000 | 165 |
| Average total loans | $4,598,951,330 | 189 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3071% | 138 |
| Cost of funding earning assets | 0.8117% | 2,471 |
| Net interest margin | 5.4954% | 123 |
| Noninterest income to average assets | 0.7541% | 1,418 |
| Noninterest expense to average assets | 2.8468% | 2,425 |
| Loan and lease loss provision to assets | 0.7496% | 137 |
| Net operating income to assets | 1.5019% | 1,110 |
| Return on assets (ROA) | 1.5019% | 1,141 |
| Pretax return on assets | 2.2119% | 439 |
| Return on Equity (ROE) | 9.8933% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.8622% | 2,513 |
| Net charge-offs to loans | 1.1248% | 117 |
| Credit loss provision to net charge-offs | 95.1157% | 1,668 |
| Earnings coverage of net charge-offs (x) | 3.7577% | 2,380 |
| Efficiency ratio | 48.7040% | 4,914 |
| Assets per employee ($millions) | 4.8500% | 2,708 |
| Cash dividends to net income (ytd only)* | 40.7465% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5603% | 80 |
| Loan loss allowance to noncurrent loans | 65.2599% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 4.2774% | 101 |
| Noncurrent loans to loans | 5.4556% | 93 |
| Net loans and leases to total assets | 67.2730% | 2,866 |
| Net loans and leases to deposits | 89.7601% | 1,662 |
| Net loans and leases to core deposits | 106.9470% | 1,107 |
| Total domestic deposits to total assets | 74.9476% | 4,862 |
| Equity capital to assets | 15.2968% | 688 |
| Core capital (leverage) ratio | 14.0182% | 950 |
| Tier 1 risk-based capital ratio | 18.6277% | 1,623 |
| Total risk-based capital ratio | 19.9049% | 1,581 |
| Memoranda: | ||
| Average total assets | $6,536,146,500 | 185 |
| Average earning assets | $6,011,395,000 | 183 |
| Average equity | $992,263,000 | 166 |
| Average total loans | $4,579,856,500 | 190 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1812% | 129 |
| Cost of funding earning assets | 0.7137% | 2,001 |
| Net interest margin | 5.4675% | 114 |
| Noninterest income to average assets | 0.8786% | 1,231 |
| Noninterest expense to average assets | 2.9110% | 2,313 |
| Loan and lease loss provision to assets | 0.8784% | 110 |
| Net operating income to assets | 1.3640% | 1,558 |
| Return on assets (ROA) | 1.3640% | 1,543 |
| Pretax return on assets | 2.0979% | 442 |
| Return on Equity (ROE) | 9.1291% | 2,932 |
| Retained earnings to average equity (ytd only) | 5.1790% | 2,675 |
| Net charge-offs to loans | 1.1547% | 116 |
| Credit loss provision to net charge-offs | 109.8240% | 2,342 |
| Earnings coverage of net charge-offs (x) | 3.7212% | 3,385 |
| Efficiency ratio | 49.0945% | 4,989 |
| Assets per employee ($millions) | 4.8332% | 2,694 |
| Cash dividends to net income (ytd only)* | 43.2692% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5736% | 79 |
| Loan loss allowance to noncurrent loans | 63.2368% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 4.4946% | 84 |
| Noncurrent loans to loans | 5.6511% | 89 |
| Net loans and leases to total assets | 67.8683% | 2,896 |
| Net loans and leases to deposits | 90.1317% | 1,781 |
| Net loans and leases to core deposits | 109.4708% | 1,033 |
| Total domestic deposits to total assets | 75.2990% | 4,839 |
| Equity capital to assets | 15.0653% | 696 |
| Core capital (leverage) ratio | 13.6841% | 1,015 |
| Tier 1 risk-based capital ratio | 18.4029% | 1,643 |
| Total risk-based capital ratio | 19.6812% | 1,591 |
| Memoranda: | ||
| Average total assets | $6,387,599,200 | 185 |
| Average earning assets | $5,851,533,400 | 184 |
| Average equity | $954,410,800 | 166 |
| Average total loans | $4,424,342,200 | 185 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1162% | 134 |
| Cost of funding earning assets | 0.6749% | 2,003 |
| Net interest margin | 5.4413% | 116 |
| Noninterest income to average assets | 0.8184% | 1,416 |
| Noninterest expense to average assets | 2.9300% | 2,232 |
| Loan and lease loss provision to assets | 0.9405% | 91 |
| Net operating income to assets | 1.2823% | 1,921 |
| Return on assets (ROA) | 1.2823% | 1,921 |
| Pretax return on assets | 1.9250% | 777 |
| Return on Equity (ROE) | 8.6001% | 3,288 |
| Retained earnings to average equity (ytd only) | 4.7005% | 3,395 |
| Net charge-offs to loans | 1.2221% | 109 |
| Credit loss provision to net charge-offs | 111.5737% | 2,091 |
| Earnings coverage of net charge-offs (x) | 3.3993% | 3,164 |
| Efficiency ratio | 50.1979% | 4,934 |
| Assets per employee ($millions) | 4.9878% | 2,481 |
| Cash dividends to net income (ytd only)* | 45.3437% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6679% | 78 |
| Loan loss allowance to noncurrent loans | 63.5263% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 4.5242% | 100 |
| Noncurrent loans to loans | 5.7738% | 89 |
| Net loans and leases to total assets | 65.9156% | 3,188 |
| Net loans and leases to deposits | 85.4063% | 2,432 |
| Net loans and leases to core deposits | 103.6378% | 1,478 |
| Total domestic deposits to total assets | 77.1789% | 4,616 |
| Equity capital to assets | 14.4979% | 825 |
| Core capital (leverage) ratio | 13.5608% | 1,079 |
| Tier 1 risk-based capital ratio | 18.0009% | 1,793 |
| Total risk-based capital ratio | 19.2816% | 1,739 |
| Memoranda: | ||
| Average total assets | $6,352,074,750 | 186 |
| Average earning assets | $5,810,092,500 | 186 |
| Average equity | $947,084,000 | 166 |
| Average total loans | $4,381,470,250 | 185 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0141% | 138 |
| Cost of funding earning assets | 0.6375% | 2,002 |
| Net interest margin | 5.3766% | 131 |
| Noninterest income to average assets | 0.8424% | 1,342 |
| Noninterest expense to average assets | 3.0024% | 2,034 |
| Loan and lease loss provision to assets | 0.9638% | 83 |
| Net operating income to assets | 1.2106% | 2,153 |
| Return on assets (ROA) | 1.2106% | 2,149 |
| Pretax return on assets | 1.7897% | 986 |
| Return on Equity (ROE) | 8.0414% | 3,488 |
| Retained earnings to average equity (ytd only) | 4.2052% | 3,507 |
| Net charge-offs to loans | 1.2601% | 100 |
| Credit loss provision to net charge-offs | 110.5754% | 1,889 |
| Earnings coverage of net charge-offs (x) | 3.1591% | 2,905 |
| Efficiency ratio | 51.7963% | 4,909 |
| Assets per employee ($millions) | 4.9050% | 2,554 |
| Cash dividends to net income (ytd only)* | 47.7056% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6917% | 71 |
| Loan loss allowance to noncurrent loans | 61.8260% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 4.7736% | 101 |
| Noncurrent loans to loans | 5.9710% | 89 |
| Net loans and leases to total assets | 66.8612% | 3,034 |
| Net loans and leases to deposits | 88.2354% | 2,082 |
| Net loans and leases to core deposits | 106.1033% | 1,237 |
| Total domestic deposits to total assets | 75.7760% | 4,876 |
| Equity capital to assets | 14.7058% | 757 |
| Core capital (leverage) ratio | 13.5877% | 1,039 |
| Tier 1 risk-based capital ratio | 17.8949% | 1,828 |
| Total risk-based capital ratio | 19.1770% | 1,782 |
| Memoranda: | ||
| Average total assets | $6,268,143,670 | 187 |
| Average earning assets | $5,728,365,670 | 186 |
| Average equity | $943,637,330 | 164 |
| Average total loans | $4,335,719,670 | 188 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9437% | 152 |
| Cost of funding earning assets | 0.6054% | 2,024 |
| Net interest margin | 5.3382% | 130 |
| Noninterest income to average assets | 0.8268% | 1,371 |
| Noninterest expense to average assets | 3.0984% | 1,829 |
| Loan and lease loss provision to assets | 1.0015% | 84 |
| Net operating income to assets | 1.0908% | 2,466 |
| Return on assets (ROA) | 1.0908% | 2,481 |
| Pretax return on assets | 1.6007% | 1,393 |
| Return on Equity (ROE) | 7.1592% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.5454% | 3,787 |
| Net charge-offs to loans | 1.0983% | 129 |
| Credit loss provision to net charge-offs | 132.0803% | 1,321 |
| Earnings coverage of net charge-offs (x) | 3.4319% | 2,389 |
| Efficiency ratio | 53.9773% | 4,800 |
| Assets per employee ($millions) | 4.6682% | 2,903 |
| Cash dividends to net income (ytd only)* | 50.4781% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9189% | 67 |
| Loan loss allowance to noncurrent loans | 62.3650% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 5.0071% | 95 |
| Noncurrent loans to loans | 6.2838% | 94 |
| Net loans and leases to total assets | 66.6246% | 2,950 |
| Net loans and leases to deposits | 85.3449% | 2,255 |
| Net loans and leases to core deposits | 102.8909% | 1,454 |
| Total domestic deposits to total assets | 78.0651% | 4,723 |
| Equity capital to assets | 15.1588% | 633 |
| Core capital (leverage) ratio | 13.7581% | 929 |
| Tier 1 risk-based capital ratio | 18.5233% | 1,685 |
| Total risk-based capital ratio | 19.8100% | 1,637 |
| Memoranda: | ||
| Average total assets | $6,174,735,500 | 192 |
| Average earning assets | $5,637,594,500 | 188 |
| Average equity | $940,830,000 | 165 |
| Average total loans | $4,262,929,500 | 189 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 124 |
| Cost of funding earning assets | 0.6791% | 1,136 |
| Net interest margin | 5.3741% | 126 |
| Noninterest income to average assets | 0.7400% | 1,805 |
| Noninterest expense to average assets | 2.8968% | 2,467 |
| Loan and lease loss provision to assets | 1.7998% | 42 |
| Net operating income to assets | 0.7365% | 3,442 |
| Return on assets (ROA) | 0.8210% | 3,117 |
| Pretax return on assets | 1.0624% | 3,333 |
| Return on Equity (ROE) | 5.5244% | 3,947 |
| Retained earnings to average equity (ytd only) | 2.6665% | 3,722 |
| Net charge-offs to loans | 1.1585% | 142 |
| Credit loss provision to net charge-offs | 232.0773% | 1,196 |
| Earnings coverage of net charge-offs (x) | 3.5493% | 3,589 |
| Efficiency ratio | 50.8625% | 5,176 |
| Assets per employee ($millions) | 4.4500% | 3,270 |
| Cash dividends to net income (ytd only)* | 51.7332% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9658% | 63 |
| Loan loss allowance to noncurrent loans | 71.6022% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 4.5256% | 116 |
| Noncurrent loans to loans | 5.5387% | 107 |
| Net loans and leases to total assets | 66.0058% | 3,098 |
| Net loans and leases to deposits | 84.3774% | 2,449 |
| Net loans and leases to core deposits | 103.1985% | 1,473 |
| Total domestic deposits to total assets | 78.2269% | 4,683 |
| Equity capital to assets | 15.3155% | 624 |
| Core capital (leverage) ratio | 13.6324% | 927 |
| Tier 1 risk-based capital ratio | 18.6325% | 1,609 |
| Total risk-based capital ratio | 19.9204% | 1,552 |
| Memoranda: | ||
| Average total assets | $6,286,358,200 | 182 |
| Average earning assets | $5,742,668,200 | 179 |
| Average equity | $934,236,800 | 158 |
| Average total loans | $4,208,219,200 | 183 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0866% | 120 |
| Cost of funding earning assets | 0.6910% | 1,007 |
| Net interest margin | 5.3957% | 123 |
| Noninterest income to average assets | 0.7412% | 1,825 |
| Noninterest expense to average assets | 2.9387% | 2,285 |
| Loan and lease loss provision to assets | 1.8609% | 43 |
| Net operating income to assets | 0.6339% | 4,257 |
| Return on assets (ROA) | 0.7386% | 3,853 |
| Pretax return on assets | 1.0238% | 3,593 |
| Return on Equity (ROE) | 5.0069% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.1902% | 4,544 |
| Net charge-offs to loans | 1.1912% | 143 |
| Credit loss provision to net charge-offs | 234.8996% | 1,188 |
| Earnings coverage of net charge-offs (x) | 3.4577% | 3,338 |
| Efficiency ratio | 51.3456% | 5,155 |
| Assets per employee ($millions) | 4.4079% | 3,302 |
| Cash dividends to net income (ytd only)* | 56.2568% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7429% | 83 |
| Loan loss allowance to noncurrent loans | 68.2390% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 4.3707% | 143 |
| Noncurrent loans to loans | 5.4850% | 129 |
| Net loans and leases to total assets | 63.4295% | 3,497 |
| Net loans and leases to deposits | 82.0290% | 2,774 |
| Net loans and leases to core deposits | 100.7702% | 1,641 |
| Total domestic deposits to total assets | 77.3257% | 4,822 |
| Equity capital to assets | 14.9620% | 738 |
| Core capital (leverage) ratio | 13.8141% | 941 |
| Tier 1 risk-based capital ratio | 19.1083% | 1,556 |
| Total risk-based capital ratio | 20.3943% | 1,513 |
| Memoranda: | ||
| Average total assets | $6,321,595,000 | 182 |
| Average earning assets | $5,783,929,500 | 179 |
| Average equity | $932,496,500 | 159 |
| Average total loans | $4,204,314,500 | 184 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9563% | 133 |
| Cost of funding earning assets | 0.7140% | 828 |
| Net interest margin | 5.2423% | 154 |
| Noninterest income to average assets | 0.7104% | 1,941 |
| Noninterest expense to average assets | 2.9252% | 2,343 |
| Loan and lease loss provision to assets | 1.3928% | 70 |
| Net operating income to assets | 0.8439% | 3,188 |
| Return on assets (ROA) | 0.9981% | 2,481 |
| Pretax return on assets | 1.4060% | 1,998 |
| Return on Equity (ROE) | 6.7986% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.4890% | 2,416 |
| Net charge-offs to loans | 1.1835% | 167 |
| Credit loss provision to net charge-offs | 176.4283% | 1,375 |
| Earnings coverage of net charge-offs (x) | 3.2702% | 3,070 |
| Efficiency ratio | 52.6978% | 5,121 |
| Assets per employee ($millions) | 4.3673% | 3,316 |
| Cash dividends to net income (ytd only)* | 19.2623% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1319% | 139 |
| Loan loss allowance to noncurrent loans | 57.3866% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 4.5271% | 133 |
| Noncurrent loans to loans | 5.4575% | 122 |
| Net loans and leases to total assets | 65.9807% | 3,111 |
| Net loans and leases to deposits | 89.1574% | 1,843 |
| Net loans and leases to core deposits | 111.7702% | 918 |
| Total domestic deposits to total assets | 74.0047% | 5,291 |
| Equity capital to assets | 15.2228% | 670 |
| Core capital (leverage) ratio | 13.5887% | 973 |
| Tier 1 risk-based capital ratio | 18.9273% | 1,602 |
| Total risk-based capital ratio | 20.2030% | 1,557 |
| Memoranda: | ||
| Average total assets | $6,345,339,000 | 182 |
| Average earning assets | $5,805,762,670 | 179 |
| Average equity | $931,603,000 | 157 |
| Average total loans | $4,232,842,330 | 184 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9024% | 135 |
| Cost of funding earning assets | 0.7468% | 668 |
| Net interest margin | 5.1556% | 163 |
| Noninterest income to average assets | 0.7016% | 1,963 |
| Noninterest expense to average assets | 2.8364% | 2,660 |
| Loan and lease loss provision to assets | 1.1004% | 78 |
| Net operating income to assets | 0.9219% | 2,657 |
| Return on assets (ROA) | 0.9219% | 2,713 |
| Pretax return on assets | 1.4826% | 1,594 |
| Return on Equity (ROE) | 6.3931% | 3,715 |
| Retained earnings to average equity (ytd only) | 3.7563% | 3,572 |
| Net charge-offs to loans | 1.0577% | 164 |
| Credit loss provision to net charge-offs | 157.5687% | 1,181 |
| Earnings coverage of net charge-offs (x) | 3.6986% | 2,458 |
| Efficiency ratio | 51.9150% | 5,271 |
| Assets per employee ($millions) | 4.5776% | 3,043 |
| Cash dividends to net income (ytd only)* | 41.2441% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8744% | 204 |
| Loan loss allowance to noncurrent loans | 51.1832% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 4.4541% | 150 |
| Noncurrent loans to loans | 5.6159% | 129 |
| Net loans and leases to total assets | 64.1356% | 3,258 |
| Net loans and leases to deposits | 86.5249% | 1,973 |
| Net loans and leases to core deposits | 107.2037% | 1,024 |
| Total domestic deposits to total assets | 74.1239% | 5,407 |
| Equity capital to assets | 14.5949% | 729 |
| Core capital (leverage) ratio | 13.0087% | 1,138 |
| Tier 1 risk-based capital ratio | 18.4186% | 1,763 |
| Total risk-based capital ratio | 19.6922% | 1,714 |
| Memoranda: | ||
| Average total assets | $6,417,201,000 | 180 |
| Average earning assets | $5,872,324,500 | 177 |
| Average equity | $925,374,500 | 156 |
| Average total loans | $4,237,183,000 | 183 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 151 |
| Cost of funding earning assets | 0.8938% | 308 |
| Net interest margin | 4.9509% | 271 |
| Noninterest income to average assets | 0.7243% | 2,059 |
| Noninterest expense to average assets | 3.1480% | 1,905 |
| Loan and lease loss provision to assets | 1.0197% | 101 |
| Net operating income to assets | 0.7474% | 3,551 |
| Return on assets (ROA) | 0.8724% | 3,077 |
| Pretax return on assets | 1.2535% | 2,461 |
| Return on Equity (ROE) | 6.4306% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.4986% | 2,703 |
| Net charge-offs to loans | 2.2655% | 60 |
| Credit loss provision to net charge-offs | 67.2056% | 3,159 |
| Earnings coverage of net charge-offs (x) | 1.3805% | 3,994 |
| Efficiency ratio | 59.5709% | 4,648 |
| Assets per employee ($millions) | 4.6931% | 2,803 |
| Cash dividends to net income (ytd only)* | 30.0444% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7191% | 244 |
| Loan loss allowance to noncurrent loans | 45.0604% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 4.7200% | 141 |
| Noncurrent loans to loans | 6.0344% | 98 |
| Net loans and leases to total assets | 64.2281% | 3,328 |
| Net loans and leases to deposits | 88.8493% | 1,824 |
| Net loans and leases to core deposits | 110.6372% | 856 |
| Total domestic deposits to total assets | 72.2889% | 5,540 |
| Equity capital to assets | 14.2478% | 808 |
| Core capital (leverage) ratio | 12.7475% | 1,233 |
| Tier 1 risk-based capital ratio | 17.9597% | 1,855 |
| Total risk-based capital ratio | 19.2321% | 1,814 |
| Memoranda: | ||
| Average total assets | $6,714,609,200 | 168 |
| Average earning assets | $6,127,715,000 | 167 |
| Average equity | $910,953,800 | 154 |
| Average total loans | $4,496,836,400 | 175 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8392% | 152 |
| Cost of funding earning assets | 0.9228% | 260 |
| Net interest margin | 4.9164% | 293 |
| Noninterest income to average assets | 0.6893% | 2,217 |
| Noninterest expense to average assets | 3.2173% | 1,735 |
| Loan and lease loss provision to assets | 1.0801% | 91 |
| Net operating income to assets | 0.6745% | 3,987 |
| Return on assets (ROA) | 0.8562% | 3,243 |
| Pretax return on assets | 1.1134% | 3,170 |
| Return on Equity (ROE) | 6.3873% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.6999% | 3,018 |
| Net charge-offs to loans | 2.5640% | 46 |
| Credit loss provision to net charge-offs | 62.6935% | 2,878 |
| Earnings coverage of net charge-offs (x) | 1.1363% | 3,726 |
| Efficiency ratio | 61.6929% | 4,280 |
| Assets per employee ($millions) | 4.7704% | 2,655 |
| Cash dividends to net income (ytd only)* | 26.4180% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6938% | 268 |
| Loan loss allowance to noncurrent loans | 48.5231% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 4.4431% | 180 |
| Noncurrent loans to loans | 5.5517% | 137 |
| Net loans and leases to total assets | 65.6353% | 3,180 |
| Net loans and leases to deposits | 90.3612% | 1,707 |
| Net loans and leases to core deposits | 112.9539% | 769 |
| Total domestic deposits to total assets | 72.6366% | 5,552 |
| Equity capital to assets | 14.1257% | 993 |
| Core capital (leverage) ratio | 12.1137% | 1,596 |
| Tier 1 risk-based capital ratio | 17.0595% | 2,205 |
| Total risk-based capital ratio | 18.3327% | 2,153 |
| Memoranda: | ||
| Average total assets | $6,778,825,000 | 167 |
| Average earning assets | $6,184,834,750 | 162 |
| Average equity | $908,671,000 | 155 |
| Average total loans | $4,555,139,500 | 173 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7541% | 176 |
| Cost of funding earning assets | 0.9511% | 220 |
| Net interest margin | 4.8029% | 367 |
| Noninterest income to average assets | 0.5944% | 2,651 |
| Noninterest expense to average assets | 3.3079% | 1,576 |
| Loan and lease loss provision to assets | 0.8936% | 114 |
| Net operating income to assets | 0.5699% | 4,399 |
| Return on assets (ROA) | 0.8254% | 3,329 |
| Pretax return on assets | 1.1258% | 3,102 |
| Return on Equity (ROE) | 6.2651% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.0693% | 2,687 |
| Net charge-offs to loans | 0.9313% | 201 |
| Credit loss provision to net charge-offs | 142.9592% | 1,651 |
| Earnings coverage of net charge-offs (x) | 2.6708% | 3,238 |
| Efficiency ratio | 65.9676% | 3,685 |
| Assets per employee ($millions) | 4.8349% | 2,510 |
| Cash dividends to net income (ytd only)* | 19.0867% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5764% | 115 |
| Loan loss allowance to noncurrent loans | 38.2243% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 7.1282% | 76 |
| Noncurrent loans to loans | 9.3563% | 45 |
| Net loans and leases to total assets | 65.5498% | 3,146 |
| Net loans and leases to deposits | 94.0811% | 1,285 |
| Net loans and leases to core deposits | 116.7099% | 619 |
| Total domestic deposits to total assets | 69.6737% | 5,796 |
| Equity capital to assets | 13.7255% | 1,133 |
| Core capital (leverage) ratio | 11.6817% | 1,858 |
| Tier 1 risk-based capital ratio | 16.3327% | 2,489 |
| Total risk-based capital ratio | 17.6186% | 2,422 |
| Memoranda: | ||
| Average total assets | $6,855,174,670 | 165 |
| Average earning assets | $6,255,720,330 | 160 |
| Average equity | $903,161,000 | 152 |
| Average total loans | $4,600,860,000 | 170 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7954% | 162 |
| Cost of funding earning assets | 0.9939% | 176 |
| Net interest margin | 4.8015% | 359 |
| Noninterest income to average assets | 0.6202% | 2,417 |
| Noninterest expense to average assets | 3.6922% | 905 |
| Loan and lease loss provision to assets | 0.8771% | 114 |
| Net operating income to assets | 0.3187% | 5,246 |
| Return on assets (ROA) | 0.8230% | 3,256 |
| Pretax return on assets | 1.1224% | 3,003 |
| Return on Equity (ROE) | 6.3744% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.3744% | 2,195 |
| Net charge-offs to loans | 0.9403% | 205 |
| Credit loss provision to net charge-offs | 139.8549% | 1,316 |
| Earnings coverage of net charge-offs (x) | 2.0869% | 2,732 |
| Efficiency ratio | 73.3463% | 2,584 |
| Assets per employee ($millions) | 4.8880% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1816% | 48 |
| Loan loss allowance to noncurrent loans | 49.8381% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 7.8217% | 74 |
| Noncurrent loans to loans | 10.3969% | 39 |
| Net loans and leases to total assets | 63.7609% | 3,273 |
| Net loans and leases to deposits | 91.0589% | 1,455 |
| Net loans and leases to core deposits | 116.1047% | 586 |
| Total domestic deposits to total assets | 70.0215% | 5,864 |
| Equity capital to assets | 13.2086% | 1,312 |
| Core capital (leverage) ratio | 11.1635% | 2,253 |
| Tier 1 risk-based capital ratio | 15.9862% | 2,688 |
| Total risk-based capital ratio | 17.2920% | 2,613 |
| Memoranda: | ||
| Average total assets | $6,946,662,000 | 163 |
| Average earning assets | $6,338,155,500 | 159 |
| Average equity | $896,843,500 | 152 |
| Average total loans | $4,633,372,500 | 171 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2539% | 100 |
| Cost of funding earning assets | 1.0228% | 154 |
| Net interest margin | 5.2311% | 176 |
| Noninterest income to average assets | 0.6631% | 2,390 |
| Noninterest expense to average assets | 3.3979% | 1,490 |
| Loan and lease loss provision to assets | 2.2627% | 27 |
| Net operating income to assets | -0.0620% | 5,908 |
| Return on assets (ROA) | -0.0525% | 5,925 |
| Pretax return on assets | -0.2665% | 5,979 |
| Return on Equity (ROE) | -0.4207% | 5,916 |
| Retained earnings to average equity (ytd only) | -5.3970% | 5,932 |
| Net charge-offs to loans | 0.9307% | 223 |
| Credit loss provision to net charge-offs | 367.1129% | 813 |
| Earnings coverage of net charge-offs (x) | 3.2146% | 3,757 |
| Efficiency ratio | 62.6793% | 4,497 |
| Assets per employee ($millions) | 5.0502% | 2,305 |
| Cash dividends to net income (ytd only)* | -1,182.9653% | 6,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0153% | 51 |
| Loan loss allowance to noncurrent loans | 48.3876% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 7.6831% | 84 |
| Noncurrent loans to loans | 10.3649% | 36 |
| Net loans and leases to total assets | 62.8514% | 3,441 |
| Net loans and leases to deposits | 93.8648% | 1,212 |
| Net loans and leases to core deposits | 124.3726% | 371 |
| Total domestic deposits to total assets | 66.9595% | 5,998 |
| Equity capital to assets | 12.6214% | 1,549 |
| Core capital (leverage) ratio | 10.8030% | 2,603 |
| Tier 1 risk-based capital ratio | 15.4015% | 2,987 |
| Total risk-based capital ratio | 16.7032% | 2,895 |
| Memoranda: | ||
| Average total assets | $7,248,287,600 | 146 |
| Average earning assets | $6,534,705,800 | 144 |
| Average equity | $904,282,000 | 150 |
| Average total loans | $4,799,794,400 | 155 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4210% | 84 |
| Cost of funding earning assets | 1.0201% | 162 |
| Net interest margin | 5.4010% | 144 |
| Noninterest income to average assets | 0.6760% | 2,350 |
| Noninterest expense to average assets | 3.4939% | 1,296 |
| Loan and lease loss provision to assets | 2.0432% | 22 |
| Net operating income to assets | -0.0294% | 5,958 |
| Return on assets (ROA) | -0.0022% | 5,972 |
| Pretax return on assets | 0.0342% | 5,946 |
| Return on Equity (ROE) | -0.0181% | 5,971 |
| Retained earnings to average equity (ytd only) | -6.6277% | 6,068 |
| Net charge-offs to loans | 0.8408% | 238 |
| Credit loss provision to net charge-offs | 366.9193% | 811 |
| Earnings coverage of net charge-offs (x) | 3.6544% | 3,475 |
| Efficiency ratio | 62.7218% | 4,455 |
| Assets per employee ($millions) | 5.0391% | 2,259 |
| Cash dividends to net income (ytd only)* | -36,584.4512% | 6,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2047% | 81 |
| Loan loss allowance to noncurrent loans | 40.9559% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 7.5889% | 90 |
| Noncurrent loans to loans | 10.2664% | 40 |
| Net loans and leases to total assets | 62.4505% | 3,544 |
| Net loans and leases to deposits | 94.5902% | 1,126 |
| Net loans and leases to core deposits | 120.3703% | 458 |
| Total domestic deposits to total assets | 66.0221% | 6,094 |
| Equity capital to assets | 12.5503% | 1,717 |
| Core capital (leverage) ratio | 10.5022% | 3,046 |
| Tier 1 risk-based capital ratio | 14.9880% | 3,297 |
| Total risk-based capital ratio | 16.2798% | 3,216 |
| Memoranda: | ||
| Average total assets | $7,296,591,750 | 147 |
| Average earning assets | $6,555,983,750 | 146 |
| Average equity | $907,740,000 | 150 |
| Average total loans | $4,832,656,750 | 155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2948% | 96 |
| Cost of funding earning assets | 1.0121% | 169 |
| Net interest margin | 5.2827% | 165 |
| Noninterest income to average assets | 0.2944% | 4,857 |
| Noninterest expense to average assets | 3.5500% | 1,215 |
| Loan and lease loss provision to assets | 1.6405% | 35 |
| Net operating income to assets | -0.2066% | 6,108 |
| Return on assets (ROA) | -0.1366% | 6,100 |
| Pretax return on assets | -0.0884% | 6,063 |
| Return on Equity (ROE) | -1.1010% | 6,086 |
| Retained earnings to average equity (ytd only) | -10.9806% | 6,190 |
| Net charge-offs to loans | 0.8046% | 269 |
| Credit loss provision to net charge-offs | 306.2589% | 922 |
| Earnings coverage of net charge-offs (x) | 2.7668% | 3,289 |
| Efficiency ratio | 70.0321% | 3,322 |
| Assets per employee ($millions) | 5.0165% | 2,257 |
| Cash dividends to net income (ytd only)* | -897.3081% | 6,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6214% | 145 |
| Loan loss allowance to noncurrent loans | 32.5176% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 8.4187% | 80 |
| Noncurrent loans to loans | 11.1369% | 40 |
| Net loans and leases to total assets | 63.2582% | 3,378 |
| Net loans and leases to deposits | 97.5514% | 831 |
| Net loans and leases to core deposits | 123.0241% | 391 |
| Total domestic deposits to total assets | 64.8460% | 6,192 |
| Equity capital to assets | 12.1214% | 1,936 |
| Core capital (leverage) ratio | 10.4660% | 3,007 |
| Tier 1 risk-based capital ratio | 14.9272% | 3,399 |
| Total risk-based capital ratio | 16.4828% | 3,168 |
| Memoranda: | ||
| Average total assets | $7,343,604,670 | 147 |
| Average earning assets | $6,585,955,670 | 145 |
| Average equity | $910,973,330 | 149 |
| Average total loans | $4,888,603,000 | 152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5666% | 76 |
| Cost of funding earning assets | 1.0288% | 153 |
| Net interest margin | 5.5377% | 117 |
| Noninterest income to average assets | 0.3962% | 4,032 |
| Noninterest expense to average assets | 3.2060% | 1,967 |
| Loan and lease loss provision to assets | 2.3837% | 23 |
| Net operating income to assets | -0.3239% | 6,193 |
| Return on assets (ROA) | -0.1839% | 6,162 |
| Pretax return on assets | -0.1341% | 6,131 |
| Return on Equity (ROE) | -1.4660% | 6,151 |
| Retained earnings to average equity (ytd only) | -20.9897% | 6,284 |
| Net charge-offs to loans | 0.8548% | 278 |
| Credit loss provision to net charge-offs | 415.9875% | 639 |
| Earnings coverage of net charge-offs (x) | 3.6815% | 2,581 |
| Efficiency ratio | 59.8253% | 5,112 |
| Assets per employee ($millions) | 4.9511% | 2,417 |
| Cash dividends to net income (ytd only)* | -1,331.7550% | 6,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4145% | 196 |
| Loan loss allowance to noncurrent loans | 28.1177% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 9.4483% | 69 |
| Noncurrent loans to loans | 12.1438% | 37 |
| Net loans and leases to total assets | 64.8271% | 2,969 |
| Net loans and leases to deposits | 96.4087% | 803 |
| Net loans and leases to core deposits | 118.5960% | 440 |
| Total domestic deposits to total assets | 67.2419% | 6,218 |
| Equity capital to assets | 12.3526% | 1,784 |
| Core capital (leverage) ratio | 10.3904% | 3,108 |
| Tier 1 risk-based capital ratio | 14.9268% | 3,469 |
| Total risk-based capital ratio | 16.4721% | 3,234 |
| Memoranda: | ||
| Average total assets | $7,348,318,500 | 146 |
| Average earning assets | $6,527,733,000 | 142 |
| Average equity | $921,959,000 | 148 |
| Average total loans | $4,926,006,500 | 149 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1406% | 61 |
| Cost of funding earning assets | 1.0915% | 141 |
| Net interest margin | 6.0491% | 82 |
| Noninterest income to average assets | 0.4895% | 3,589 |
| Noninterest expense to average assets | 3.4661% | 1,562 |
| Loan and lease loss provision to assets | 0.8612% | 143 |
| Net operating income to assets | 1.0583% | 2,134 |
| Return on assets (ROA) | 1.0984% | 2,038 |
| Pretax return on assets | 1.5568% | 1,364 |
| Return on Equity (ROE) | 9.3510% | 2,414 |
| Retained earnings to average equity (ytd only) | 6.2629% | 1,776 |
| Net charge-offs to loans | 0.7873% | 447 |
| Credit loss provision to net charge-offs | 167.2731% | 1,462 |
| Earnings coverage of net charge-offs (x) | 4.5866% | 3,613 |
| Efficiency ratio | 58.9957% | 5,349 |
| Assets per employee ($millions) | 4.9293% | 2,411 |
| Cash dividends to net income (ytd only)* | 33.0239% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6966% | 426 |
| Loan loss allowance to noncurrent loans | 33.9016% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 6.6169% | 165 |
| Noncurrent loans to loans | 7.9542% | 116 |
| Net loans and leases to total assets | 65.1487% | 3,027 |
| Net loans and leases to deposits | 97.8924% | 769 |
| Net loans and leases to core deposits | 122.5988% | 346 |
| Total domestic deposits to total assets | 66.5513% | 6,313 |
| Equity capital to assets | 12.7373% | 1,511 |
| Core capital (leverage) ratio | 10.2610% | 3,230 |
| Tier 1 risk-based capital ratio | 15.4470% | 3,247 |
| Total risk-based capital ratio | 16.9936% | 3,036 |
| Memoranda: | ||
| Average total assets | $7,718,960,000 | 133 |
| Average earning assets | $6,811,579,600 | 133 |
| Average equity | $906,719,400 | 144 |
| Average total loans | $5,047,990,600 | 138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1859% | 62 |
| Cost of funding earning assets | 1.0892% | 153 |
| Net interest margin | 6.0966% | 79 |
| Noninterest income to average assets | 0.4492% | 3,900 |
| Noninterest expense to average assets | 3.4462% | 1,570 |
| Loan and lease loss provision to assets | 0.8366% | 143 |
| Net operating income to assets | 1.0529% | 2,224 |
| Return on assets (ROA) | 1.1044% | 2,073 |
| Pretax return on assets | 1.6122% | 1,292 |
| Return on Equity (ROE) | 9.5941% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.4345% | 2,802 |
| Net charge-offs to loans | 0.7590% | 445 |
| Credit loss provision to net charge-offs | 169.4986% | 1,453 |
| Earnings coverage of net charge-offs (x) | 4.8103% | 3,376 |
| Efficiency ratio | 58.7322% | 5,348 |
| Assets per employee ($millions) | 4.9383% | 2,316 |
| Cash dividends to net income (ytd only)* | 43.3564% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5499% | 612 |
| Loan loss allowance to noncurrent loans | 31.8225% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 6.5609% | 195 |
| Noncurrent loans to loans | 8.0128% | 122 |
| Net loans and leases to total assets | 63.7411% | 3,222 |
| Net loans and leases to deposits | 95.6757% | 910 |
| Net loans and leases to core deposits | 122.0333% | 349 |
| Total domestic deposits to total assets | 66.6220% | 6,390 |
| Equity capital to assets | 12.0355% | 2,026 |
| Core capital (leverage) ratio | 9.9905% | 3,688 |
| Tier 1 risk-based capital ratio | 15.1233% | 3,518 |
| Total risk-based capital ratio | 16.6649% | 3,296 |
| Memoranda: | ||
| Average total assets | $7,796,533,750 | 132 |
| Average earning assets | $6,868,828,250 | 133 |
| Average equity | $897,483,250 | 143 |
| Average total loans | $5,069,886,250 | 138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2313% | 59 |
| Cost of funding earning assets | 1.1096% | 143 |
| Net interest margin | 6.1216% | 78 |
| Noninterest income to average assets | 0.4650% | 3,750 |
| Noninterest expense to average assets | 3.4897% | 1,498 |
| Loan and lease loss provision to assets | 0.7655% | 169 |
| Net operating income to assets | 1.0627% | 2,067 |
| Return on assets (ROA) | 1.1372% | 1,882 |
| Pretax return on assets | 1.7010% | 1,019 |
| Return on Equity (ROE) | 10.0263% | 2,140 |
| Retained earnings to average equity (ytd only) | 3.7409% | 3,810 |
| Net charge-offs to loans | 0.6755% | 565 |
| Credit loss provision to net charge-offs | 174.6109% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.3724% | 2,937 |
| Efficiency ratio | 59.2314% | 5,399 |
| Assets per employee ($millions) | 4.9257% | 2,309 |
| Cash dividends to net income (ytd only)* | 62.6889% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3710% | 837 |
| Loan loss allowance to noncurrent loans | 28.5204% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 6.8311% | 197 |
| Noncurrent loans to loans | 8.3133% | 118 |
| Net loans and leases to total assets | 64.5270% | 2,995 |
| Net loans and leases to deposits | 95.9107% | 811 |
| Net loans and leases to core deposits | 124.0753% | 301 |
| Total domestic deposits to total assets | 67.2782% | 6,445 |
| Equity capital to assets | 11.8337% | 2,121 |
| Core capital (leverage) ratio | 9.6458% | 4,115 |
| Tier 1 risk-based capital ratio | 14.5396% | 3,902 |
| Total risk-based capital ratio | 16.3437% | 3,527 |
| Memoranda: | ||
| Average total assets | $7,855,466,000 | 132 |
| Average earning assets | $6,903,991,670 | 130 |
| Average equity | $890,954,330 | 145 |
| Average total loans | $5,098,519,000 | 137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0745% | 65 |
| Cost of funding earning assets | 1.0942% | 168 |
| Net interest margin | 5.9803% | 83 |
| Noninterest income to average assets | 0.4992% | 3,416 |
| Noninterest expense to average assets | 3.6199% | 1,278 |
| Loan and lease loss provision to assets | 0.5897% | 229 |
| Net operating income to assets | 1.0268% | 2,095 |
| Return on assets (ROA) | 1.1739% | 1,622 |
| Pretax return on assets | 1.7534% | 872 |
| Return on Equity (ROE) | 10.5701% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.5701% | 824 |
| Net charge-offs to loans | 0.6389% | 578 |
| Credit loss provision to net charge-offs | 143.4581% | 1,296 |
| Earnings coverage of net charge-offs (x) | 5.1665% | 2,415 |
| Efficiency ratio | 62.5511% | 5,057 |
| Assets per employee ($millions) | 5.1835% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1627% | 1,218 |
| Loan loss allowance to noncurrent loans | 26.9377% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 6.4911% | 245 |
| Noncurrent loans to loans | 8.0284% | 165 |
| Net loans and leases to total assets | 63.9994% | 2,893 |
| Net loans and leases to deposits | 94.2813% | 763 |
| Net loans and leases to core deposits | 121.8766% | 289 |
| Total domestic deposits to total assets | 67.8813% | 6,521 |
| Equity capital to assets | 11.4884% | 2,260 |
| Core capital (leverage) ratio | 9.1843% | 4,741 |
| Tier 1 risk-based capital ratio | 14.2231% | 4,180 |
| Total risk-based capital ratio | 16.0181% | 3,789 |
| Memoranda: | ||
| Average total assets | $7,958,410,000 | 131 |
| Average earning assets | $6,978,895,000 | 129 |
| Average equity | $883,817,500 | 147 |
| Average total loans | $5,119,821,000 | 136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5962% | 90 |
| Cost of funding earning assets | 1.0984% | 289 |
| Net interest margin | 5.4978% | 139 |
| Noninterest income to average assets | -0.2166% | 6,763 |
| Noninterest expense to average assets | 2.7387% | 3,953 |
| Loan and lease loss provision to assets | 0.8561% | 238 |
| Net operating income to assets | 1.1525% | 1,752 |
| Return on assets (ROA) | 1.1525% | 1,815 |
| Pretax return on assets | 1.0265% | 3,239 |
| Return on Equity (ROE) | 11.6197% | 1,547 |
| Retained earnings to average equity (ytd only) | 11.6197% | 357 |
| Net charge-offs to loans | 1.0212% | 560 |
| Credit loss provision to net charge-offs | 137.0626% | 1,708 |
| Earnings coverage of net charge-offs (x) | 3.0142% | 3,986 |
| Efficiency ratio | 58.8411% | 5,628 |
| Assets per employee ($millions) | 5.3679% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0877% | 1,359 |
| Loan loss allowance to noncurrent loans | 25.4272% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 6.3078% | 293 |
| Noncurrent loans to loans | 8.2107% | 183 |
| Net loans and leases to total assets | 61.9669% | 3,367 |
| Net loans and leases to deposits | 93.1830% | 941 |
| Net loans and leases to core deposits | 125.2839% | 244 |
| Total domestic deposits to total assets | 66.5002% | 6,622 |
| Equity capital to assets | 10.7359% | 2,890 |
| Core capital (leverage) ratio | 8.5405% | 5,618 |
| Tier 1 risk-based capital ratio | 13.5090% | 4,646 |
| Total risk-based capital ratio | 15.2962% | 4,206 |
| Memoranda: | ||
| Average total assets | $8,515,001,800 | 123 |
| Average earning assets | $7,492,905,600 | 125 |
| Average equity | $844,538,200 | 143 |
| Average total loans | $5,207,845,800 | 127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3260% | 118 |
| Cost of funding earning assets | 1.0811% | 345 |
| Net interest margin | 5.2449% | 202 |
| Noninterest income to average assets | -0.0625% | 6,794 |
| Noninterest expense to average assets | 2.7270% | 3,912 |
| Loan and lease loss provision to assets | 0.9328% | 186 |
| Net operating income to assets | 1.1949% | 1,654 |
| Return on assets (ROA) | 1.1949% | 1,728 |
| Pretax return on assets | 0.8992% | 3,889 |
| Return on Equity (ROE) | 12.2852% | 1,396 |
| Retained earnings to average equity (ytd only) | 12.2852% | 393 |
| Net charge-offs to loans | 1.1641% | 473 |
| Credit loss provision to net charge-offs | 132.0949% | 1,791 |
| Earnings coverage of net charge-offs (x) | 2.5943% | 3,975 |
| Efficiency ratio | 59.3934% | 5,513 |
| Assets per employee ($millions) | 5.4385% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 1,655 |
| Loan loss allowance to noncurrent loans | 24.8554% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 6.1436% | 382 |
| Noncurrent loans to loans | 8.1595% | 212 |
| Net loans and leases to total assets | 61.5973% | 3,441 |
| Net loans and leases to deposits | 91.1660% | 1,048 |
| Net loans and leases to core deposits | 128.0039% | 214 |
| Total domestic deposits to total assets | 67.5661% | 6,672 |
| Equity capital to assets | 10.2790% | 3,535 |
| Core capital (leverage) ratio | 8.1190% | 6,135 |
| Tier 1 risk-based capital ratio | 13.1869% | 4,989 |
| Total risk-based capital ratio | 14.9840% | 4,565 |
| Memoranda: | ||
| Average total assets | $8,618,711,000 | 122 |
| Average earning assets | $7,594,524,500 | 123 |
| Average equity | $838,266,750 | 142 |
| Average total loans | $5,228,195,500 | 125 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2262% | 127 |
| Cost of funding earning assets | 1.0406% | 448 |
| Net interest margin | 5.1856% | 212 |
| Noninterest income to average assets | 0.0394% | 6,699 |
| Noninterest expense to average assets | 2.8017% | 3,668 |
| Loan and lease loss provision to assets | 1.0859% | 158 |
| Net operating income to assets | 1.3224% | 1,265 |
| Return on assets (ROA) | 1.3224% | 1,347 |
| Pretax return on assets | 0.7311% | 4,571 |
| Return on Equity (ROE) | 13.8467% | 1,048 |
| Retained earnings to average equity (ytd only) | 13.8467% | 312 |
| Net charge-offs to loans | 1.4826% | 360 |
| Credit loss provision to net charge-offs | 122.1631% | 1,832 |
| Earnings coverage of net charge-offs (x) | 2.0441% | 3,834 |
| Efficiency ratio | 60.2473% | 5,453 |
| Assets per employee ($millions) | 5.5394% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 1,906 |
| Loan loss allowance to noncurrent loans | 22.1186% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 6.4065% | 400 |
| Noncurrent loans to loans | 8.9342% | 202 |
| Net loans and leases to total assets | 59.5899% | 3,734 |
| Net loans and leases to deposits | 87.8668% | 1,353 |
| Net loans and leases to core deposits | 122.3023% | 283 |
| Total domestic deposits to total assets | 67.8185% | 6,721 |
| Equity capital to assets | 10.0407% | 3,867 |
| Core capital (leverage) ratio | 7.8446% | 6,283 |
| Tier 1 risk-based capital ratio | 12.9409% | 5,186 |
| Total risk-based capital ratio | 15.0123% | 4,566 |
| Memoranda: | ||
| Average total assets | $8,716,156,670 | 123 |
| Average earning assets | $7,697,282,670 | 123 |
| Average equity | $832,398,670 | 142 |
| Average total loans | $5,225,930,000 | 125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 245 |
| Cost of funding earning assets | 1.0320% | 517 |
| Net interest margin | 4.7403% | 444 |
| Noninterest income to average assets | 0.1240% | 6,480 |
| Noninterest expense to average assets | 2.7508% | 3,869 |
| Loan and lease loss provision to assets | 0.3866% | 814 |
| Net operating income to assets | 0.8933% | 2,685 |
| Return on assets (ROA) | 0.8933% | 2,834 |
| Pretax return on assets | 1.1903% | 2,613 |
| Return on Equity (ROE) | 9.5861% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.5861% | 1,221 |
| Net charge-offs to loans | 0.3867% | 1,487 |
| Credit loss provision to net charge-offs | 167.8327% | 1,252 |
| Earnings coverage of net charge-offs (x) | 6.8462% | 2,155 |
| Efficiency ratio | 63.1310% | 5,135 |
| Assets per employee ($millions) | 5.7798% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,612 |
| Loan loss allowance to noncurrent loans | 22.6301% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 5.8391% | 556 |
| Noncurrent loans to loans | 7.9635% | 332 |
| Net loans and leases to total assets | 60.3868% | 3,363 |
| Net loans and leases to deposits | 93.5912% | 696 |
| Net loans and leases to core deposits | 131.3822% | 168 |
| Total domestic deposits to total assets | 64.5219% | 6,873 |
| Equity capital to assets | 9.6569% | 4,632 |
| Core capital (leverage) ratio | 7.3396% | 6,528 |
| Tier 1 risk-based capital ratio | 12.1633% | 5,816 |
| Total risk-based capital ratio | 14.1931% | 5,216 |
| Memoranda: | ||
| Average total assets | $8,886,424,500 | 125 |
| Average earning assets | $7,880,391,000 | 123 |
| Average equity | $828,114,500 | 144 |
| Average total loans | $5,293,073,000 | 126 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 4,614 |
| Cost of funding earning assets | 1.6745% | 78 |
| Net interest margin | 2.5192% | 6,704 |
| Noninterest income to average assets | -0.9950% | 7,055 |
| Noninterest expense to average assets | 1.6928% | 6,729 |
| Loan and lease loss provision to assets | 0.3434% | 1,952 |
| Net operating income to assets | -0.6943% | 6,644 |
| Return on assets (ROA) | 0.2850% | 5,728 |
| Pretax return on assets | 0.3142% | 5,794 |
| Return on Equity (ROE) | 2.7438% | 5,656 |
| Retained earnings to average equity (ytd only) | -53.3151% | 7,020 |
| Net charge-offs to loans | 0.4494% | 2,432 |
| Credit loss provision to net charge-offs | 216.4230% | 1,170 |
| Earnings coverage of net charge-offs (x) | -2.6380% | 5,859 |
| Efficiency ratio | 132.6307% | 149 |
| Assets per employee ($millions) | 5.4849% | 1,696 |
| Cash dividends to net income (ytd only)* | 2,043.0956% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 2,645 |
| Loan loss allowance to noncurrent loans | 20.2762% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 5.9015% | 594 |
| Noncurrent loans to loans | 8.7911% | 306 |
| Net loans and leases to total assets | 56.7092% | 4,158 |
| Net loans and leases to deposits | 90.6542% | 1,012 |
| Net loans and leases to core deposits | 129.1934% | 192 |
| Total domestic deposits to total assets | 62.5556% | 6,949 |
| Equity capital to assets | 8.9994% | 5,524 |
| Core capital (leverage) ratio | 5.7563% | 6,874 |
| Tier 1 risk-based capital ratio | 11.7405% | 5,934 |
| Total risk-based capital ratio | 13.9660% | 5,253 |
| Memoranda: | ||
| Average total assets | $6,895,327,000 | 139 |
| Average earning assets | $6,210,943,400 | 140 |
| Average equity | $716,300,000 | 154 |
| Average total loans | $2,434,561,000 | 203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5613% | 3,380 |
| Cost of funding earning assets | 1.9354% | 37 |
| Net interest margin | 2.6259% | 6,733 |
| Noninterest income to average assets | -0.5241% | 7,135 |
| Noninterest expense to average assets | 1.6159% | 6,863 |
| Loan and lease loss provision to assets | 0.4051% | 1,578 |
| Net operating income to assets | -0.1533% | 6,455 |
| Return on assets (ROA) | 0.8901% | 3,267 |
| Pretax return on assets | 1.0026% | 3,699 |
| Return on Equity (ROE) | 8.1745% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.1745% | 1,543 |
| Net charge-offs to loans | 0.6411% | 1,717 |
| Credit loss provision to net charge-offs | 232.1472% | 1,194 |
| Earnings coverage of net charge-offs (x) | 1.3480% | 4,623 |
| Efficiency ratio | 87.1718% | 1,285 |
| Assets per employee ($millions) | 8.4217% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6719% | 89 |
| Loan loss allowance to noncurrent loans | 30.2561% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 6.0068% | 665 |
| Noncurrent loans to loans | 18.7462% | 51 |
| Net loans and leases to total assets | 26.8862% | 6,901 |
| Net loans and leases to deposits | 71.8840% | 3,622 |
| Net loans and leases to core deposits | 82.2735% | 2,931 |
| Total domestic deposits to total assets | 37.4023% | 7,131 |
| Equity capital to assets | 11.7442% | 2,489 |
| Core capital (leverage) ratio | 10.6646% | 2,741 |
| Tier 1 risk-based capital ratio | 35.4699% | 341 |
| Total risk-based capital ratio | 36.7685% | 333 |
| Memoranda: | ||
| Average total assets | $6,334,687,500 | 150 |
| Average earning assets | $5,729,826,750 | 146 |
| Average equity | $689,786,250 | 159 |
| Average total loans | $1,724,183,750 | 272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 3,971 |
| Cost of funding earning assets | 1.9808% | 39 |
| Net interest margin | 2.4708% | 6,916 |
| Noninterest income to average assets | 0.0665% | 6,800 |
| Noninterest expense to average assets | 1.5435% | 6,977 |
| Loan and lease loss provision to assets | 0.4770% | 1,328 |
| Net operating income to assets | 0.2497% | 5,765 |
| Return on assets (ROA) | 0.7700% | 3,788 |
| Pretax return on assets | 0.8844% | 4,138 |
| Return on Equity (ROE) | 7.2450% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.2450% | 1,985 |
| Net charge-offs to loans | 0.7388% | 1,498 |
| Credit loss provision to net charge-offs | 240.6991% | 1,190 |
| Earnings coverage of net charge-offs (x) | 3.8522% | 3,248 |
| Efficiency ratio | 66.8132% | 4,356 |
| Assets per employee ($millions) | 8.9898% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5949% | 103 |
| Loan loss allowance to noncurrent loans | 28.7704% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 5.7655% | 757 |
| Noncurrent loans to loans | 19.4467% | 51 |
| Net loans and leases to total assets | 25.5664% | 6,994 |
| Net loans and leases to deposits | 72.6897% | 3,502 |
| Net loans and leases to core deposits | 83.1274% | 2,812 |
| Total domestic deposits to total assets | 35.1720% | 7,199 |
| Equity capital to assets | 10.9200% | 3,205 |
| Core capital (leverage) ratio | 10.2999% | 3,047 |
| Tier 1 risk-based capital ratio | 32.7423% | 412 |
| Total risk-based capital ratio | 34.0375% | 400 |
| Memoranda: | ||
| Average total assets | $6,467,150,330 | 147 |
| Average earning assets | $5,864,216,330 | 144 |
| Average equity | $687,286,330 | 157 |
| Average total loans | $1,734,811,000 | 270 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 3,048 |
| Cost of funding earning assets | 2.0679% | 34 |
| Net interest margin | 2.6342% | 6,851 |
| Noninterest income to average assets | 0.0819% | 6,817 |
| Noninterest expense to average assets | 1.5368% | 7,028 |
| Loan and lease loss provision to assets | 0.6220% | 904 |
| Net operating income to assets | 0.2705% | 5,745 |
| Return on assets (ROA) | 0.6536% | 4,323 |
| Pretax return on assets | 0.7687% | 4,537 |
| Return on Equity (ROE) | 6.2335% | 4,171 |
| Retained earnings to average equity (ytd only) | 6.2335% | 2,825 |
| Net charge-offs to loans | 0.6076% | 1,576 |
| Credit loss provision to net charge-offs | 383.4277% | 809 |
| Earnings coverage of net charge-offs (x) | 5.7946% | 2,300 |
| Efficiency ratio | 61.9582% | 5,283 |
| Assets per employee ($millions) | 9.3607% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3673% | 128 |
| Loan loss allowance to noncurrent loans | 27.4625% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 5.7633% | 834 |
| Noncurrent loans to loans | 19.5440% | 53 |
| Net loans and leases to total assets | 25.7542% | 7,047 |
| Net loans and leases to deposits | 71.2255% | 3,552 |
| Net loans and leases to core deposits | 84.7188% | 2,450 |
| Total domestic deposits to total assets | 36.1586% | 7,263 |
| Equity capital to assets | 10.6939% | 3,276 |
| Core capital (leverage) ratio | 9.7668% | 3,689 |
| Tier 1 risk-based capital ratio | 31.0378% | 490 |
| Total risk-based capital ratio | 32.3298% | 480 |
| Memoranda: | ||
| Average total assets | $6,531,806,000 | 145 |
| Average earning assets | $5,938,513,000 | 142 |
| Average equity | $684,884,000 | 156 |
| Average total loans | $1,744,023,000 | 267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 4,386 |
| Cost of funding earning assets | 2.4231% | 30 |
| Net interest margin | 2.2438% | 7,162 |
| Noninterest income to average assets | 0.1062% | 6,613 |
| Noninterest expense to average assets | 1.5439% | 7,144 |
| Loan and lease loss provision to assets | 0.1989% | 4,199 |
| Net operating income to assets | 0.4247% | 4,757 |
| Return on assets (ROA) | 0.5539% | 4,400 |
| Pretax return on assets | 0.5252% | 4,918 |
| Return on Equity (ROE) | 5.4426% | 4,172 |
| Retained earnings to average equity (ytd only) | -6.5817% | 6,543 |
| Net charge-offs to loans | 0.5370% | 2,860 |
| Credit loss provision to net charge-offs | 143.5863% | 2,020 |
| Earnings coverage of net charge-offs (x) | 4.2953% | 3,175 |
| Efficiency ratio | 72.0910% | 3,560 |
| Assets per employee ($millions) | 9.9285% | 242 |
| Cash dividends to net income (ytd only)* | 220.9284% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2670% | 303 |
| Loan loss allowance to noncurrent loans | 21.0324% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 5.7328% | 881 |
| Noncurrent loans to loans | 20.2880% | 47 |
| Net loans and leases to total assets | 25.0851% | 7,139 |
| Net loans and leases to deposits | 68.3109% | 4,396 |
| Net loans and leases to core deposits | 84.8053% | 2,770 |
| Total domestic deposits to total assets | 36.7219% | 7,311 |
| Equity capital to assets | 10.2838% | 3,805 |
| Core capital (leverage) ratio | 9.0616% | 4,680 |
| Tier 1 risk-based capital ratio | 29.7919% | 525 |
| Total risk-based capital ratio | 31.0711% | 515 |
| Memoranda: | ||
| Average total assets | $6,946,259,200 | 140 |
| Average earning assets | $6,292,427,800 | 140 |
| Average equity | $706,900,600 | 152 |
| Average total loans | $1,791,388,800 | 256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 4,042 |
| Cost of funding earning assets | 2.4265% | 34 |
| Net interest margin | 2.3672% | 7,189 |
| Noninterest income to average assets | 0.2389% | 5,916 |
| Noninterest expense to average assets | 1.5324% | 7,204 |
| Loan and lease loss provision to assets | 0.1901% | 4,128 |
| Net operating income to assets | 0.6008% | 4,084 |
| Return on assets (ROA) | 0.9386% | 2,741 |
| Pretax return on assets | 1.0302% | 3,284 |
| Return on Equity (ROE) | 9.2455% | 2,484 |
| Retained earnings to average equity (ytd only) | -6.6525% | 6,682 |
| Net charge-offs to loans | 0.5144% | 2,702 |
| Credit loss provision to net charge-offs | 143.8443% | 2,208 |
| Earnings coverage of net charge-offs (x) | 6.4249% | 2,553 |
| Efficiency ratio | 64.2587% | 5,023 |
| Assets per employee ($millions) | 10.3392% | 227 |
| Cash dividends to net income (ytd only)* | 171.9534% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1668% | 353 |
| Loan loss allowance to noncurrent loans | 20.9191% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 5.4843% | 1,020 |
| Noncurrent loans to loans | 19.9188% | 55 |
| Net loans and leases to total assets | 24.2367% | 7,230 |
| Net loans and leases to deposits | 69.2469% | 4,421 |
| Net loans and leases to core deposits | 84.8361% | 2,937 |
| Total domestic deposits to total assets | 35.0004% | 7,385 |
| Equity capital to assets | 9.8249% | 4,593 |
| Core capital (leverage) ratio | 9.1307% | 4,743 |
| Tier 1 risk-based capital ratio | 28.2612% | 635 |
| Total risk-based capital ratio | 29.5367% | 623 |
| Memoranda: | ||
| Average total assets | $7,022,284,500 | 139 |
| Average earning assets | $6,355,964,000 | 140 |
| Average equity | $712,859,750 | 153 |
| Average total loans | $1,804,122,000 | 254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 3,409 |
| Cost of funding earning assets | 2.4300% | 41 |
| Net interest margin | 2.5167% | 7,178 |
| Noninterest income to average assets | 0.2425% | 5,909 |
| Noninterest expense to average assets | 1.5471% | 7,283 |
| Loan and lease loss provision to assets | 0.2312% | 3,599 |
| Net operating income to assets | 0.6455% | 3,820 |
| Return on assets (ROA) | 0.8734% | 2,851 |
| Pretax return on assets | 0.9955% | 3,255 |
| Return on Equity (ROE) | 8.5143% | 2,712 |
| Retained earnings to average equity (ytd only) | 2.9839% | 4,379 |
| Net charge-offs to loans | 0.5274% | 2,512 |
| Credit loss provision to net charge-offs | 169.7355% | 1,779 |
| Earnings coverage of net charge-offs (x) | 7.1056% | 2,270 |
| Efficiency ratio | 61.4391% | 5,663 |
| Assets per employee ($millions) | 10.2547% | 226 |
| Cash dividends to net income (ytd only)* | 64.9540% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8751% | 204 |
| Loan loss allowance to noncurrent loans | 24.2560% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 5.5909% | 1,048 |
| Noncurrent loans to loans | 20.0987% | 61 |
| Net loans and leases to total assets | 24.4902% | 7,309 |
| Net loans and leases to deposits | 70.3172% | 4,396 |
| Net loans and leases to core deposits | 86.4094% | 2,844 |
| Total domestic deposits to total assets | 34.8282% | 7,459 |
| Equity capital to assets | 10.5915% | 3,388 |
| Core capital (leverage) ratio | 9.6863% | 3,681 |
| Tier 1 risk-based capital ratio | 30.7721% | 497 |
| Total risk-based capital ratio | 32.0568% | 486 |
| Memoranda: | ||
| Average total assets | $7,050,521,670 | 139 |
| Average earning assets | $6,365,813,670 | 140 |
| Average equity | $723,276,330 | 150 |
| Average total loans | $1,820,647,330 | 256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 4,076 |
| Cost of funding earning assets | 2.4552% | 42 |
| Net interest margin | 2.3410% | 7,292 |
| Noninterest income to average assets | 0.2307% | 6,068 |
| Noninterest expense to average assets | 1.5534% | 7,338 |
| Loan and lease loss provision to assets | 0.2450% | 3,214 |
| Net operating income to assets | 0.2179% | 5,724 |
| Return on assets (ROA) | 0.2178% | 5,788 |
| Pretax return on assets | 0.5449% | 4,881 |
| Return on Equity (ROE) | 2.1576% | 5,727 |
| Retained earnings to average equity (ytd only) | -9.0044% | 6,820 |
| Net charge-offs to loans | 0.5453% | 2,132 |
| Credit loss provision to net charge-offs | 173.7515% | 1,676 |
| Earnings coverage of net charge-offs (x) | 5.6025% | 2,247 |
| Efficiency ratio | 66.1995% | 5,003 |
| Assets per employee ($millions) | 10.3841% | 215 |
| Cash dividends to net income (ytd only)* | 517.3306% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7401% | 236 |
| Loan loss allowance to noncurrent loans | 25.3529% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 5.2649% | 1,179 |
| Noncurrent loans to loans | 18.6966% | 78 |
| Net loans and leases to total assets | 24.6436% | 7,362 |
| Net loans and leases to deposits | 69.1701% | 4,504 |
| Net loans and leases to core deposits | 87.1302% | 2,717 |
| Total domestic deposits to total assets | 35.6275% | 7,521 |
| Equity capital to assets | 10.0362% | 3,733 |
| Core capital (leverage) ratio | 9.1770% | 4,329 |
| Tier 1 risk-based capital ratio | 29.2858% | 554 |
| Total risk-based capital ratio | 30.5687% | 543 |
| Memoranda: | ||
| Average total assets | $7,099,424,500 | 142 |
| Average earning assets | $6,407,384,000 | 143 |
| Average equity | $716,714,500 | 150 |
| Average total loans | $1,835,972,000 | 252 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 5,891 |
| Cost of funding earning assets | 2.5321% | 95 |
| Net interest margin | 2.1400% | 7,417 |
| Noninterest income to average assets | -0.0896% | 7,382 |
| Noninterest expense to average assets | 1.4032% | 7,483 |
| Loan and lease loss provision to assets | 0.3158% | 4,277 |
| Net operating income to assets | 0.1800% | 5,337 |
| Return on assets (ROA) | 0.1496% | 5,600 |
| Pretax return on assets | 0.1178% | 5,668 |
| Return on Equity (ROE) | 1.8105% | 5,465 |
| Retained earnings to average equity (ytd only) | 1.8105% | 4,598 |
| Net charge-offs to loans | 0.4823% | 3,694 |
| Credit loss provision to net charge-offs | 286.1784% | 948 |
| Earnings coverage of net charge-offs (x) | 4.2045% | 3,020 |
| Efficiency ratio | 75.0796% | 3,197 |
| Assets per employee ($millions) | 10.7157% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3553% | 295 |
| Loan loss allowance to noncurrent loans | 24.4790% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 4.9892% | 1,284 |
| Noncurrent loans to loans | 17.7920% | 101 |
| Net loans and leases to total assets | 24.7261% | 7,458 |
| Net loans and leases to deposits | 68.3206% | 5,063 |
| Net loans and leases to core deposits | 87.6199% | 3,101 |
| Total domestic deposits to total assets | 36.1913% | 7,592 |
| Equity capital to assets | 10.1534% | 3,556 |
| Core capital (leverage) ratio | 9.2796% | 4,043 |
| Tier 1 risk-based capital ratio | 29.8177% | 516 |
| Total risk-based capital ratio | 31.0973% | 506 |
| Memoranda: | ||
| Average total assets | $7,028,968,400 | 141 |
| Average earning assets | $6,427,005,800 | 141 |
| Average equity | $580,953,600 | 172 |
| Average total loans | $1,608,031,400 | 293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 5,872 |
| Cost of funding earning assets | 2.5427% | 122 |
| Net interest margin | 2.2026% | 7,516 |
| Noninterest income to average assets | -0.4981% | 7,677 |
| Noninterest expense to average assets | 1.3615% | 7,609 |
| Loan and lease loss provision to assets | 0.2328% | 4,744 |
| Net operating income to assets | -0.0694% | 6,143 |
| Return on assets (ROA) | 0.3202% | 5,253 |
| Pretax return on assets | 0.3226% | 5,440 |
| Return on Equity (ROE) | 4.1146% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.1146% | 3,575 |
| Net charge-offs to loans | 0.5039% | 3,267 |
| Credit loss provision to net charge-offs | 208.9292% | 1,688 |
| Earnings coverage of net charge-offs (x) | 1.4530% | 4,641 |
| Efficiency ratio | 89.2974% | 1,339 |
| Assets per employee ($millions) | 9.6938% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 3,673 |
| Loan loss allowance to noncurrent loans | 9.6729% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 4.6760% | 1,417 |
| Noncurrent loans to loans | 16.2019% | 138 |
| Net loans and leases to total assets | 25.6399% | 7,545 |
| Net loans and leases to deposits | 71.5772% | 4,893 |
| Net loans and leases to core deposits | 92.5073% | 2,727 |
| Total domestic deposits to total assets | 35.8213% | 7,692 |
| Equity capital to assets | 9.7821% | 4,437 |
| Core capital (leverage) ratio | 8.6741% | 5,231 |
| Tier 1 risk-based capital ratio | 26.9570% | 701 |
| Total risk-based capital ratio | 28.1691% | 684 |
| Memoranda: | ||
| Average total assets | $6,994,006,250 | 139 |
| Average earning assets | $6,419,217,250 | 141 |
| Average equity | $544,222,500 | 177 |
| Average total loans | $1,546,718,000 | 306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 6,404 |
| Cost of funding earning assets | 2.4871% | 183 |
| Net interest margin | 2.1323% | 7,606 |
| Noninterest income to average assets | -0.2053% | 7,680 |
| Noninterest expense to average assets | 1.2209% | 7,730 |
| Loan and lease loss provision to assets | 0.2350% | 4,563 |
| Net operating income to assets | 0.3177% | 5,109 |
| Return on assets (ROA) | 0.8824% | 2,740 |
| Pretax return on assets | 0.9675% | 3,249 |
| Return on Equity (ROE) | 12.4636% | 1,358 |
| Retained earnings to average equity (ytd only) | 12.4636% | 436 |
| Net charge-offs to loans | 0.4727% | 3,112 |
| Credit loss provision to net charge-offs | 239.7754% | 1,606 |
| Earnings coverage of net charge-offs (x) | 5.9371% | 2,566 |
| Efficiency ratio | 67.6831% | 4,635 |
| Assets per employee ($millions) | 9.3427% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 4,344 |
| Loan loss allowance to noncurrent loans | 13.7828% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 2.9619% | 2,409 |
| Noncurrent loans to loans | 10.2869% | 425 |
| Net loans and leases to total assets | 24.5464% | 7,632 |
| Net loans and leases to deposits | 75.8151% | 4,370 |
| Net loans and leases to core deposits | 93.1925% | 2,822 |
| Total domestic deposits to total assets | 32.3766% | 7,765 |
| Equity capital to assets | 9.0261% | 5,408 |
| Core capital (leverage) ratio | 8.6456% | 5,163 |
| Tier 1 risk-based capital ratio | 25.8297% | 777 |
| Total risk-based capital ratio | 26.9123% | 783 |
| Memoranda: | ||
| Average total assets | $6,905,113,330 | 140 |
| Average earning assets | $6,502,822,000 | 139 |
| Average equity | $488,880,330 | 187 |
| Average total loans | $1,431,866,670 | 335 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 6,765 |
| Cost of funding earning assets | 2.5641% | 184 |
| Net interest margin | 1.9490% | 7,736 |
| Noninterest income to average assets | -0.3841% | 7,842 |
| Noninterest expense to average assets | 1.1012% | 7,857 |
| Loan and lease loss provision to assets | 0.2512% | 4,031 |
| Net operating income to assets | 0.1246% | 5,949 |
| Return on assets (ROA) | 0.7517% | 3,304 |
| Pretax return on assets | 0.8524% | 3,657 |
| Return on Equity (ROE) | 12.8010% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.8010% | 648 |
| Net charge-offs to loans | 0.4513% | 2,693 |
| Credit loss provision to net charge-offs | 306.6463% | 1,285 |
| Earnings coverage of net charge-offs (x) | 4.7723% | 2,553 |
| Efficiency ratio | 73.8005% | 3,602 |
| Assets per employee ($millions) | 13.2458% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,670 |
| Loan loss allowance to noncurrent loans | 23.7687% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 1.8711% | 3,675 |
| Noncurrent loans to loans | 9.4440% | 474 |
| Net loans and leases to total assets | 17.7560% | 7,809 |
| Net loans and leases to deposits | 61.5165% | 6,321 |
| Net loans and leases to core deposits | 79.5781% | 4,813 |
| Total domestic deposits to total assets | 28.8639% | 7,872 |
| Equity capital to assets | 6.9484% | 7,394 |
| Core capital (leverage) ratio | 7.2560% | 7,065 |
| Tier 1 risk-based capital ratio | 21.4560% | 1,275 |
| Total risk-based capital ratio | 22.6376% | 1,259 |
| Memoranda: | ||
| Average total assets | $6,391,699,500 | 148 |
| Average earning assets | $6,153,211,000 | 142 |
| Average equity | $375,346,500 | 222 |
| Average total loans | $1,160,298,000 | 413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 4,538 |
| Cost of funding earning assets | 3.1194% | 159 |
| Net interest margin | 2.3099% | 7,587 |
| Noninterest income to average assets | 0.7480% | 2,690 |
| Noninterest expense to average assets | 1.1682% | 7,916 |
| Loan and lease loss provision to assets | 0.2537% | 5,367 |
| Net operating income to assets | 1.1950% | 1,258 |
| Return on assets (ROA) | 0.3668% | 4,363 |
| Pretax return on assets | 0.4487% | 4,356 |
| Return on Equity (ROE) | 7.7793% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.7793% | 755 |
| Net charge-offs to loans | 0.5571% | 3,553 |
| Credit loss provision to net charge-offs | 234.5975% | 1,548 |
| Earnings coverage of net charge-offs (x) | 15.8357% | 1,285 |
| Efficiency ratio | 40.5522% | 7,848 |
| Assets per employee ($millions) | 13.8791% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,026 |
| Loan loss allowance to noncurrent loans | 22.2974% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7735% | 3,713 |
| Noncurrent loans to loans | 8.9717% | 508 |
| Net loans and leases to total assets | 17.7798% | 7,884 |
| Net loans and leases to deposits | 64.4630% | 6,218 |
| Net loans and leases to core deposits | 80.8889% | 6,006 |
| Total domestic deposits to total assets | 27.5813% | 7,949 |
| Equity capital to assets | 4.8033% | 7,803 |
| Core capital (leverage) ratio | 5.7825% | 7,672 |
| Tier 1 risk-based capital ratio | 16.5278% | 2,310 |
| Total risk-based capital ratio | 17.5977% | 2,322 |
| Memoranda: | ||
| Average total assets | $6,168,898,800 | 149 |
| Average earning assets | $5,695,352,400 | 147 |
| Average equity | $290,850,000 | 260 |
| Average total loans | $1,197,376,000 | 409 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6340% | 3,673 |
| Cost of funding earning assets | 3.2636% | 159 |
| Net interest margin | 2.3705% | 7,585 |
| Noninterest income to average assets | 0.6970% | 3,034 |
| Noninterest expense to average assets | 1.1699% | 8,001 |
| Loan and lease loss provision to assets | 0.2456% | 4,996 |
| Net operating income to assets | 1.3474% | 1,128 |
| Return on assets (ROA) | 2.1049% | 253 |
| Pretax return on assets | 2.2544% | 311 |
| Return on Equity (ROE) | 44.8653% | 21 |
| Retained earnings to average equity (ytd only) | 44.8653% | 12 |
| Net charge-offs to loans | 0.5934% | 2,896 |
| Credit loss provision to net charge-offs | 209.6143% | 2,101 |
| Earnings coverage of net charge-offs (x) | 14.3868% | 1,603 |
| Efficiency ratio | 40.9720% | 7,905 |
| Assets per employee ($millions) | 12.4016% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 2,541 |
| Loan loss allowance to noncurrent loans | 21.6734% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 3,922 |
| Noncurrent loans to loans | 7.9445% | 616 |
| Net loans and leases to total assets | 18.4609% | 7,965 |
| Net loans and leases to deposits | 59.4128% | 6,872 |
| Net loans and leases to core deposits | 71.3422% | 6,885 |
| Total domestic deposits to total assets | 31.0723% | 8,028 |
| Equity capital to assets | 5.7293% | 7,898 |
| Core capital (leverage) ratio | 6.9846% | 7,444 |
| Tier 1 risk-based capital ratio | 14.1672% | 3,460 |
| Total risk-based capital ratio | 14.8196% | 3,734 |
| Memoranda: | ||
| Average total assets | $6,108,082,500 | 158 |
| Average earning assets | $5,561,440,500 | 157 |
| Average equity | $286,563,250 | 272 |
| Average total loans | $1,205,885,000 | 420 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6911% | 3,592 |
| Cost of funding earning assets | 3.3400% | 175 |
| Net interest margin | 2.3511% | 7,624 |
| Noninterest income to average assets | 0.9162% | 1,913 |
| Noninterest expense to average assets | 1.1912% | 8,088 |
| Loan and lease loss provision to assets | 0.2259% | 4,767 |
| Net operating income to assets | 1.5800% | 709 |
| Return on assets (ROA) | 1.8979% | 407 |
| Pretax return on assets | 1.9722% | 598 |
| Return on Equity (ROE) | 43.7742% | 25 |
| Retained earnings to average equity (ytd only) | 43.7742% | 14 |
| Net charge-offs to loans | 0.7272% | 2,234 |
| Credit loss provision to net charge-offs | 154.7673% | 2,969 |
| Earnings coverage of net charge-offs (x) | 12.7910% | 1,786 |
| Efficiency ratio | 38.9519% | 8,039 |
| Assets per employee ($millions) | 12.9449% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 3,787 |
| Loan loss allowance to noncurrent loans | 18.6044% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 1.5872% | 3,832 |
| Noncurrent loans to loans | 7.4643% | 628 |
| Net loans and leases to total assets | 19.0253% | 8,043 |
| Net loans and leases to deposits | 63.4002% | 6,623 |
| Net loans and leases to core deposits | 75.4776% | 6,708 |
| Total domestic deposits to total assets | 30.0082% | 8,118 |
| Equity capital to assets | 4.8887% | 8,045 |
| Core capital (leverage) ratio | 6.3937% | 7,836 |
| Tier 1 risk-based capital ratio | 12.5861% | 4,452 |
| Total risk-based capital ratio | 13.1255% | 4,933 |
| Memoranda: | ||
| Average total assets | $6,064,776,670 | 162 |
| Average earning assets | $5,525,325,000 | 162 |
| Average equity | $262,954,000 | 293 |
| Average total loans | $1,217,257,330 | 435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 2,206 |
| Cost of funding earning assets | 3.7680% | 73 |
| Net interest margin | 2.2702% | 7,743 |
| Noninterest income to average assets | 0.3270% | 5,835 |
| Noninterest expense to average assets | 1.1097% | 8,144 |
| Loan and lease loss provision to assets | 0.2141% | 4,306 |
| Net operating income to assets | 0.9718% | 2,433 |
| Return on assets (ROA) | 1.6430% | 803 |
| Pretax return on assets | 1.6900% | 1,198 |
| Return on Equity (ROE) | 40.5957% | 44 |
| Retained earnings to average equity (ytd only) | 40.5957% | 27 |
| Net charge-offs to loans | 0.7667% | 1,674 |
| Credit loss provision to net charge-offs | 136.4024% | 2,974 |
| Earnings coverage of net charge-offs (x) | 7.7212% | 2,307 |
| Efficiency ratio | 47.7938% | 7,737 |
| Assets per employee ($millions) | 12.7406% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,467 |
| Loan loss allowance to noncurrent loans | 17.5339% | 7,289 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 3,572 |
| Noncurrent loans to loans | 7.1125% | 561 |
| Net loans and leases to total assets | 19.6131% | 8,088 |
| Net loans and leases to deposits | 65.7622% | 6,398 |
| Net loans and leases to core deposits | 79.7832% | 6,401 |
| Total domestic deposits to total assets | 29.8242% | 8,175 |
| Equity capital to assets | 4.3683% | 8,151 |
| Core capital (leverage) ratio | 5.6621% | 8,059 |
| Tier 1 risk-based capital ratio | 14.1548% | 3,501 |
| Total risk-based capital ratio | 14.7875% | 3,764 |
| Memoranda: | ||
| Average total assets | $5,977,440,000 | 167 |
| Average earning assets | $5,252,527,500 | 165 |
| Average equity | $241,917,500 | 309 |
| Average total loans | $1,223,991,000 | 438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 5,659 |
| Cost of funding earning assets | 3.9347% | 124 |
| Net interest margin | 2.0421% | 8,042 |
| Noninterest income to average assets | -0.0125% | 8,162 |
| Noninterest expense to average assets | 1.0740% | 8,192 |
| Loan and lease loss provision to assets | 0.1552% | 5,376 |
| Net operating income to assets | 0.8436% | 3,250 |
| Return on assets (ROA) | 0.4280% | 4,855 |
| Pretax return on assets | 0.2681% | 5,582 |
| Return on Equity (ROE) | 9.3052% | 2,525 |
| Retained earnings to average equity (ytd only) | -3.2617% | 6,164 |
| Net charge-offs to loans | 0.3887% | 2,878 |
| Credit loss provision to net charge-offs | 187.3942% | 2,652 |
| Earnings coverage of net charge-offs (x) | 10.1299% | 2,570 |
| Efficiency ratio | 56.1426% | 6,986 |
| Assets per employee ($millions) | 11.5861% | 178 |
| Cash dividends to net income (ytd only)* | 135.0522% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 4,856 |
| Loan loss allowance to noncurrent loans | 18.4454% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 3,253 |
| Noncurrent loans to loans | 6.2825% | 529 |
| Net loans and leases to total assets | 20.8773% | 8,144 |
| Net loans and leases to deposits | 67.7852% | 6,483 |
| Net loans and leases to core deposits | 82.8440% | 6,390 |
| Total domestic deposits to total assets | 30.7992% | 8,215 |
| Equity capital to assets | 3.7109% | 8,258 |
| Core capital (leverage) ratio | 5.4094% | 8,171 |
| Tier 1 risk-based capital ratio | 14.2006% | 3,445 |
| Total risk-based capital ratio | 14.8526% | 3,666 |
| Memoranda: | ||
| Average total assets | $5,708,794,000 | 169 |
| Average earning assets | $5,382,553,200 | 166 |
| Average equity | $262,595,800 | 298 |
| Average total loans | $1,216,400,000 | 419 |