Home > Safra National Bank of New York > Performance and Condition Ratios
Safra National Bank of New York, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 816 |
| Cost of funding earning assets | 3.0108% | 138 |
| Net interest margin | 2.8025% | 3,653 |
| Noninterest income to average assets | 1.5800% | 366 |
| Noninterest expense to average assets | 2.2775% | 2,910 |
| Loan and lease loss provision to assets | 0.6200% | 130 |
| Net operating income to assets | 0.8666% | 2,648 |
| Return on assets (ROA) | 0.8206% | 2,784 |
| Pretax return on assets | 1.1132% | 2,372 |
| Return on Equity (ROE) | 6.9600% | 3,294 |
| Retained earnings to average equity (ytd only) | 2.0561% | 3,569 |
| Net charge-offs to loans | 2.0178% | 46 |
| Credit loss provision to net charge-offs | 99.1094% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.8519% | 2,671 |
| Efficiency ratio | 54.2368% | 3,658 |
| Assets per employee ($millions) | 32.3901% | 43 |
| Cash dividends to net income (ytd only)* | 70.4704% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,069 |
| Loan loss allowance to noncurrent loans | 3,870.1275% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,771 |
| Noncurrent loans to loans | 0.0191% | 3,605 |
| Net loans and leases to total assets | 27.1100% | 4,338 |
| Net loans and leases to deposits | 31.9779% | 4,333 |
| Net loans and leases to core deposits | 79.9082% | 2,705 |
| Total domestic deposits to total assets | 83.9400% | 2,640 |
| Equity capital to assets | 11.0737% | 1,436 |
| Core capital (leverage) ratio | 10.2621% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6539% | 315 |
| Memoranda: | ||
| Average total assets | $9,510,955,400 | 165 |
| Average earning assets | $8,442,869,800 | 165 |
| Average equity | $1,120,933,200 | 154 |
| Average total loans | $2,954,760,600 | 303 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8198% | 665 |
| Cost of funding earning assets | 2.8162% | 153 |
| Net interest margin | 3.0036% | 3,334 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 2.0912% | 3,382 |
| Loan and lease loss provision to assets | 0.5800% | 130 |
| Net operating income to assets | 1.3135% | 1,521 |
| Return on assets (ROA) | 1.2444% | 1,656 |
| Pretax return on assets | 1.6592% | 1,242 |
| Return on Equity (ROE) | 10.3800% | 2,536 |
| Retained earnings to average equity (ytd only) | 3.7745% | 3,316 |
| Net charge-offs to loans | 0.1112% | 715 |
| Credit loss provision to net charge-offs | 1,645.4472% | 291 |
| Earnings coverage of net charge-offs (x) | 65.1438% | 1,157 |
| Efficiency ratio | 45.1470% | 4,184 |
| Assets per employee ($millions) | 31.4192% | 45 |
| Cash dividends to net income (ytd only)* | 63.6385% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 350 |
| Loan loss allowance to noncurrent loans | 80.1751% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 700 |
| Noncurrent loans to loans | 2.5862% | 188 |
| Net loans and leases to total assets | 30.2100% | 4,310 |
| Net loans and leases to deposits | 36.2341% | 4,289 |
| Net loans and leases to core deposits | 99.4566% | 1,348 |
| Total domestic deposits to total assets | 82.3800% | 3,146 |
| Equity capital to assets | 11.7963% | 1,093 |
| Core capital (leverage) ratio | 10.1990% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4606% | 405 |
| Memoranda: | ||
| Average total assets | $9,256,995,000 | 171 |
| Average earning assets | $8,182,045,000 | 169 |
| Average equity | $1,109,738,750 | 157 |
| Average total loans | $2,974,807,000 | 302 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 757 |
| Cost of funding earning assets | 2.5792% | 166 |
| Net interest margin | 2.9950% | 3,444 |
| Noninterest income to average assets | 1.8500% | 258 |
| Noninterest expense to average assets | 2.0873% | 3,383 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.6884% | 801 |
| Return on assets (ROA) | 1.5929% | 962 |
| Pretax return on assets | 2.1239% | 597 |
| Return on Equity (ROE) | 13.2200% | 1,857 |
| Retained earnings to average equity (ytd only) | 13.2155% | 774 |
| Net charge-offs to loans | 0.1263% | 581 |
| Credit loss provision to net charge-offs | 390.6596% | 744 |
| Earnings coverage of net charge-offs (x) | 58.4633% | 1,207 |
| Efficiency ratio | 43.4960% | 4,278 |
| Assets per employee ($millions) | 30.5509% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 3,658 |
| Loan loss allowance to noncurrent loans | 5,252.6718% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,805 |
| Noncurrent loans to loans | 0.0179% | 3,635 |
| Net loans and leases to total assets | 32.8300% | 4,264 |
| Net loans and leases to deposits | 39.9964% | 4,214 |
| Net loans and leases to core deposits | 103.1689% | 1,085 |
| Total domestic deposits to total assets | 79.2400% | 3,687 |
| Equity capital to assets | 13.0081% | 811 |
| Core capital (leverage) ratio | 10.6922% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1436% | 349 |
| Memoranda: | ||
| Average total assets | $9,211,212,333 | 167 |
| Average earning assets | $8,142,106,000 | 164 |
| Average equity | $1,110,257,333 | 154 |
| Average total loans | $3,000,447,333 | 293 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 628 |
| Cost of funding earning assets | 2.4895% | 101 |
| Net interest margin | 3.0041% | 3,590 |
| Noninterest income to average assets | 1.9700% | 234 |
| Noninterest expense to average assets | 1.8126% | 4,008 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.0991% | 428 |
| Return on assets (ROA) | 1.9120% | 554 |
| Pretax return on assets | 2.5493% | 337 |
| Return on Equity (ROE) | 16.4800% | 1,265 |
| Retained earnings to average equity (ytd only) | 16.4754% | 643 |
| Net charge-offs to loans | 0.1235% | 528 |
| Credit loss provision to net charge-offs | 69.0832% | 1,245 |
| Earnings coverage of net charge-offs (x) | 70.5096% | 949 |
| Efficiency ratio | 38.9382% | 4,469 |
| Assets per employee ($millions) | 31.5935% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 4,206 |
| Loan loss allowance to noncurrent loans | 2,288.1497% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,755 |
| Noncurrent loans to loans | 0.0318% | 3,531 |
| Net loans and leases to total assets | 33.2600% | 4,290 |
| Net loans and leases to deposits | 40.8980% | 4,200 |
| Net loans and leases to core deposits | 104.0679% | 920 |
| Total domestic deposits to total assets | 76.5700% | 4,118 |
| Equity capital to assets | 12.3768% | 903 |
| Core capital (leverage) ratio | 9.8421% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6370% | 458 |
| Memoranda: | ||
| Average total assets | $9,402,207,500 | 171 |
| Average earning assets | $8,315,104,000 | 169 |
| Average equity | $1,091,128,000 | 159 |
| Average total loans | $3,037,467,500 | 299 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5713% | 4,472 |
| Cost of funding earning assets | 0.6907% | 602 |
| Net interest margin | 1.8805% | 4,586 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 2.9137% | 1,108 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | -0.1241% | 4,598 |
| Return on assets (ROA) | 0.3397% | 4,293 |
| Pretax return on assets | 0.4184% | 4,263 |
| Return on Equity (ROE) | 3.0900% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.0890% | 3,691 |
| Net charge-offs to loans | 0.1127% | 664 |
| Credit loss provision to net charge-offs | -230.9382% | 4,608 |
| Earnings coverage of net charge-offs (x) | -6.3105% | 4,689 |
| Efficiency ratio | 108.6846% | 94 |
| Assets per employee ($millions) | 34.8882% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 4,063 |
| Loan loss allowance to noncurrent loans | 4,228.9242% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,861 |
| Noncurrent loans to loans | 0.0186% | 3,692 |
| Net loans and leases to total assets | 30.9500% | 4,366 |
| Net loans and leases to deposits | 36.3389% | 4,336 |
| Net loans and leases to core deposits | 84.3152% | 1,861 |
| Total domestic deposits to total assets | 78.6000% | 4,036 |
| Equity capital to assets | 10.8912% | 1,304 |
| Core capital (leverage) ratio | 9.7615% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4078% | 521 |
| Memoranda: | ||
| Average total assets | $9,580,367,600 | 166 |
| Average earning assets | $8,642,983,800 | 163 |
| Average equity | $1,053,401,200 | 162 |
| Average total loans | $3,271,328,000 | 265 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0388% | 4,603 |
| Cost of funding earning assets | 0.4110% | 1,218 |
| Net interest margin | 1.6277% | 4,626 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 3.3419% | 561 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | -0.5518% | 4,681 |
| Return on assets (ROA) | 0.0542% | 4,536 |
| Pretax return on assets | 0.0722% | 4,528 |
| Return on Equity (ROE) | 0.4900% | 4,530 |
| Retained earnings to average equity (ytd only) | 0.4916% | 4,272 |
| Net charge-offs to loans | 0.0986% | 624 |
| Credit loss provision to net charge-offs | 168.9557% | 1,066 |
| Earnings coverage of net charge-offs (x) | -18.4974% | 4,744 |
| Efficiency ratio | 123.1266% | 62 |
| Assets per employee ($millions) | 33.0583% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,623 |
| Loan loss allowance to noncurrent loans | 1,327.7603% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,611 |
| Noncurrent loans to loans | 0.0890% | 3,244 |
| Net loans and leases to total assets | 34.2100% | 4,294 |
| Net loans and leases to deposits | 44.0220% | 4,110 |
| Net loans and leases to core deposits | 101.3953% | 765 |
| Total domestic deposits to total assets | 75.0900% | 4,404 |
| Equity capital to assets | 11.2326% | 1,088 |
| Core capital (leverage) ratio | 9.3472% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.7635% | 81 |
| Memoranda: | ||
| Average total assets | $9,533,286,000 | 167 |
| Average earning assets | $8,609,224,500 | 165 |
| Average equity | $1,050,769,250 | 164 |
| Average total loans | $3,326,927,500 | 260 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5866% | 4,698 |
| Cost of funding earning assets | 0.2308% | 2,493 |
| Net interest margin | 1.3558% | 4,698 |
| Noninterest income to average assets | 0.9611% | 730 |
| Noninterest expense to average assets | 3.6950% | 354 |
| Loan and lease loss provision to assets | 0.0739% | 1,309 |
| Net operating income to assets | -1.2284% | 4,722 |
| Return on assets (ROA) | -0.3281% | 4,638 |
| Pretax return on assets | -0.4375% | 4,641 |
| Return on Equity (ROE) | -2.9953% | 4,643 |
| Retained earnings to average equity (ytd only) | -2.9953% | 4,454 |
| Net charge-offs to loans | 0.0860% | 640 |
| Credit loss provision to net charge-offs | 245.4796% | 878 |
| Earnings coverage of net charge-offs (x) | -49.9275% | 2,145 |
| Efficiency ratio | 168.0833% | 30 |
| Assets per employee ($millions) | 35.5828% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 2,979 |
| Loan loss allowance to noncurrent loans | 6,126.4000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,978 |
| Noncurrent loans to loans | 0.0186% | 3,825 |
| Net loans and leases to total assets | 35.0466% | 4,290 |
| Net loans and leases to deposits | 40.9981% | 4,230 |
| Net loans and leases to core deposits | 76.8180% | 1,942 |
| Total domestic deposits to total assets | 79.5212% | 4,265 |
| Equity capital to assets | 10.8863% | 1,264 |
| Core capital (leverage) ratio | 8.9274% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6516% | 569 |
| Memoranda: | ||
| Average total assets | $9,625,610,667 | 161 |
| Average earning assets | $8,737,212,333 | 162 |
| Average equity | $1,054,451,667 | 163 |
| Average total loans | $3,367,841,333 | 256 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3795% | 4,732 |
| Cost of funding earning assets | 0.1481% | 3,528 |
| Net interest margin | 1.2314% | 4,729 |
| Noninterest income to average assets | 1.0582% | 615 |
| Noninterest expense to average assets | 6.1031% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -3.0359% | 4,774 |
| Return on assets (ROA) | -1.2497% | 4,743 |
| Pretax return on assets | -1.6662% | 4,751 |
| Return on Equity (ROE) | -11.3977% | 4,751 |
| Retained earnings to average equity (ytd only) | -11.3977% | 4,587 |
| Net charge-offs to loans | 0.0737% | 625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -153.1543% | 1,833 |
| Efficiency ratio | 279.9905% | 17 |
| Assets per employee ($millions) | 37.6855% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,473 |
| Loan loss allowance to noncurrent loans | 6,609.8513% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,032 |
| Noncurrent loans to loans | 0.0161% | 3,894 |
| Net loans and leases to total assets | 33.1001% | 4,335 |
| Net loans and leases to deposits | 39.1092% | 4,282 |
| Net loans and leases to core deposits | 75.3324% | 1,821 |
| Total domestic deposits to total assets | 81.7180% | 4,110 |
| Equity capital to assets | 10.3224% | 1,677 |
| Core capital (leverage) ratio | 8.5677% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0763% | 639 |
| Memoranda: | ||
| Average total assets | $9,702,664,500 | 161 |
| Average earning assets | $8,806,892,000 | 161 |
| Average equity | $1,063,831,000 | 166 |
| Average total loans | $3,374,032,000 | 255 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3050% | 4,763 |
| Cost of funding earning assets | 0.1431% | 4,031 |
| Net interest margin | 1.1619% | 4,764 |
| Noninterest income to average assets | 1.6232% | 429 |
| Noninterest expense to average assets | 1.6781% | 4,329 |
| Loan and lease loss provision to assets | 0.0577% | 1,904 |
| Net operating income to assets | 0.7171% | 3,583 |
| Return on assets (ROA) | 0.8620% | 3,216 |
| Pretax return on assets | 1.1350% | 2,872 |
| Return on Equity (ROE) | 7.5158% | 3,371 |
| Retained earnings to average equity (ytd only) | 4.7735% | 2,880 |
| Net charge-offs to loans | 0.0196% | 1,884 |
| Credit loss provision to net charge-offs | 915.1414% | 562 |
| Earnings coverage of net charge-offs (x) | 160.1764% | 629 |
| Efficiency ratio | 62.0348% | 2,863 |
| Assets per employee ($millions) | 36.6485% | 42 |
| Cash dividends to net income (ytd only)* | 36.4875% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,511 |
| Loan loss allowance to noncurrent loans | 15,800.4367% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,174 |
| Noncurrent loans to loans | 0.0067% | 4,057 |
| Net loans and leases to total assets | 35.7877% | 4,299 |
| Net loans and leases to deposits | 44.0907% | 4,173 |
| Net loans and leases to core deposits | 84.0696% | 1,328 |
| Total domestic deposits to total assets | 78.5024% | 4,353 |
| Equity capital to assets | 11.6450% | 1,428 |
| Core capital (leverage) ratio | 8.8606% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2628% | 624 |
| Memoranda: | ||
| Average total assets | $9,538,607,200 | 166 |
| Average earning assets | $8,736,268,800 | 163 |
| Average equity | $1,093,958,000 | 164 |
| Average total loans | $3,068,561,200 | 265 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2901% | 4,846 |
| Cost of funding earning assets | 0.1490% | 4,116 |
| Net interest margin | 1.1411% | 4,851 |
| Noninterest income to average assets | 1.7023% | 439 |
| Noninterest expense to average assets | 1.5068% | 4,587 |
| Loan and lease loss provision to assets | 0.0766% | 1,526 |
| Net operating income to assets | 0.8648% | 3,340 |
| Return on assets (ROA) | 1.0574% | 2,770 |
| Pretax return on assets | 1.4099% | 2,296 |
| Return on Equity (ROE) | 9.2551% | 3,019 |
| Retained earnings to average equity (ytd only) | 6.8160% | 2,488 |
| Net charge-offs to loans | 0.0096% | 1,965 |
| Credit loss provision to net charge-offs | 2,570.0935% | 270 |
| Earnings coverage of net charge-offs (x) | 416.7710% | 344 |
| Efficiency ratio | 54.4007% | 3,744 |
| Assets per employee ($millions) | 37.1270% | 42 |
| Cash dividends to net income (ytd only)* | 26.3546% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,121 |
| Loan loss allowance to noncurrent loans | 18,563.9594% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,270 |
| Noncurrent loans to loans | 0.0063% | 4,161 |
| Net loans and leases to total assets | 32.5048% | 4,524 |
| Net loans and leases to deposits | 39.5049% | 4,470 |
| Net loans and leases to core deposits | 76.5314% | 1,998 |
| Total domestic deposits to total assets | 77.2973% | 4,472 |
| Equity capital to assets | 11.6500% | 1,574 |
| Core capital (leverage) ratio | 8.7798% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8061% | 546 |
| Memoranda: | ||
| Average total assets | $9,568,592,750 | 165 |
| Average earning assets | $8,781,343,750 | 163 |
| Average equity | $1,093,247,500 | 164 |
| Average total loans | $2,983,973,750 | 272 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2856% | 4,882 |
| Cost of funding earning assets | 0.1638% | 4,098 |
| Net interest margin | 1.1218% | 4,889 |
| Noninterest income to average assets | 1.8919% | 361 |
| Noninterest expense to average assets | 1.4120% | 4,707 |
| Loan and lease loss provision to assets | 0.1170% | 1,083 |
| Net operating income to assets | 1.0300% | 2,790 |
| Return on assets (ROA) | 1.3180% | 1,877 |
| Pretax return on assets | 1.7573% | 1,337 |
| Return on Equity (ROE) | 11.6110% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.9365% | 2,099 |
| Net charge-offs to loans | -0.0005% | 3,048 |
| Credit loss provision to net charge-offs | -70,100.0000% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9529% | 4,393 |
| Assets per employee ($millions) | 39.5310% | 38 |
| Cash dividends to net income (ytd only)* | 31.6471% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 30.3877% | 4,639 |
| Net loans and leases to deposits | 37.2472% | 4,605 |
| Net loans and leases to core deposits | 76.6544% | 2,175 |
| Total domestic deposits to total assets | 76.8888% | 4,519 |
| Equity capital to assets | 11.3368% | 1,738 |
| Core capital (leverage) ratio | 9.0613% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2425% | 597 |
| Memoranda: | ||
| Average total assets | $9,589,949,000 | 164 |
| Average earning assets | $8,804,494,667 | 163 |
| Average equity | $1,088,571,333 | 163 |
| Average total loans | $2,936,631,667 | 276 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3133% | 4,919 |
| Cost of funding earning assets | 0.2170% | 3,758 |
| Net interest margin | 1.0963% | 4,921 |
| Noninterest income to average assets | 2.9084% | 209 |
| Noninterest expense to average assets | 1.4200% | 4,723 |
| Loan and lease loss provision to assets | 0.2364% | 464 |
| Net operating income to assets | 1.6743% | 982 |
| Return on assets (ROA) | 2.1579% | 486 |
| Pretax return on assets | 2.8772% | 272 |
| Return on Equity (ROE) | 18.9977% | 623 |
| Retained earnings to average equity (ytd only) | 11.6014% | 1,249 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9294% | 4,848 |
| Assets per employee ($millions) | 38.2974% | 38 |
| Cash dividends to net income (ytd only)* | 38.9325% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 30.9942% | 4,668 |
| Net loans and leases to deposits | 37.6248% | 4,637 |
| Net loans and leases to core deposits | 79.0013% | 2,094 |
| Total domestic deposits to total assets | 78.5242% | 4,385 |
| Equity capital to assets | 11.5832% | 1,490 |
| Core capital (leverage) ratio | 8.6461% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2988% | 641 |
| Memoranda: | ||
| Average total assets | $9,522,606,500 | 165 |
| Average earning assets | $8,799,745,500 | 162 |
| Average equity | $1,081,626,500 | 163 |
| Average total loans | $2,908,952,000 | 279 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8174% | 4,926 |
| Cost of funding earning assets | 0.6479% | 2,006 |
| Net interest margin | 1.1695% | 4,947 |
| Noninterest income to average assets | 1.5255% | 521 |
| Noninterest expense to average assets | 1.4320% | 4,818 |
| Loan and lease loss provision to assets | 0.0595% | 3,628 |
| Net operating income to assets | 0.8652% | 2,843 |
| Return on assets (ROA) | 0.8673% | 2,970 |
| Pretax return on assets | 1.1216% | 2,613 |
| Return on Equity (ROE) | 8.0380% | 2,806 |
| Retained earnings to average equity (ytd only) | 7.4333% | 1,218 |
| Net charge-offs to loans | -0.0000% | 3,887 |
| Credit loss provision to net charge-offs | -546,800.0000% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4187% | 4,167 |
| Assets per employee ($millions) | 38.4962% | 34 |
| Cash dividends to net income (ytd only)* | 7.5227% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 29.4024% | 4,765 |
| Net loans and leases to deposits | 35.5775% | 4,754 |
| Net loans and leases to core deposits | 80.8958% | 2,284 |
| Total domestic deposits to total assets | 76.6930% | 4,451 |
| Equity capital to assets | 11.1386% | 2,144 |
| Core capital (leverage) ratio | 8.3109% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1100% | 575 |
| Memoranda: | ||
| Average total assets | $9,196,500,800 | 159 |
| Average earning assets | $8,532,165,800 | 157 |
| Average equity | $992,279,800 | 166 |
| Average total loans | $2,854,801,800 | 273 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9661% | 4,969 |
| Cost of funding earning assets | 0.7467% | 1,766 |
| Net interest margin | 1.2195% | 4,989 |
| Noninterest income to average assets | 1.3247% | 620 |
| Noninterest expense to average assets | 1.4891% | 4,808 |
| Loan and lease loss provision to assets | 0.0217% | 4,064 |
| Net operating income to assets | 0.7068% | 3,434 |
| Return on assets (ROA) | 0.7096% | 3,532 |
| Pretax return on assets | 0.9461% | 3,244 |
| Return on Equity (ROE) | 6.6331% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.6331% | 1,837 |
| Net charge-offs to loans | -0.0000% | 3,761 |
| Credit loss provision to net charge-offs | -147,700.0000% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2248% | 3,359 |
| Assets per employee ($millions) | 37.5988% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 29.7067% | 4,829 |
| Net loans and leases to deposits | 36.7832% | 4,814 |
| Net loans and leases to core deposits | 85.5679% | 2,338 |
| Total domestic deposits to total assets | 77.6271% | 4,250 |
| Equity capital to assets | 10.8914% | 2,486 |
| Core capital (leverage) ratio | 8.4521% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5185% | 721 |
| Memoranda: | ||
| Average total assets | $9,089,615,000 | 158 |
| Average earning assets | $8,413,149,500 | 153 |
| Average equity | $972,354,000 | 165 |
| Average total loans | $2,853,257,000 | 273 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0929% | 5,010 |
| Cost of funding earning assets | 0.8633% | 1,528 |
| Net interest margin | 1.2296% | 5,034 |
| Noninterest income to average assets | 1.3440% | 568 |
| Noninterest expense to average assets | 2.4398% | 3,145 |
| Loan and lease loss provision to assets | 0.0148% | 4,042 |
| Net operating income to assets | 0.0202% | 4,765 |
| Return on assets (ROA) | 0.0221% | 4,782 |
| Pretax return on assets | 0.0294% | 4,771 |
| Return on Equity (ROE) | 0.2075% | 4,779 |
| Retained earnings to average equity (ytd only) | 0.2075% | 4,273 |
| Net charge-offs to loans | -0.0001% | 3,709 |
| Credit loss provision to net charge-offs | -33,200.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8391% | 209 |
| Assets per employee ($millions) | 36.7043% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 3,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 29.3851% | 4,871 |
| Net loans and leases to deposits | 36.2505% | 4,856 |
| Net loans and leases to core deposits | 83.4297% | 2,661 |
| Total domestic deposits to total assets | 75.6379% | 4,461 |
| Equity capital to assets | 10.4831% | 2,757 |
| Core capital (leverage) ratio | 7.9244% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1999% | 751 |
| Memoranda: | ||
| Average total assets | $8,954,698,667 | 160 |
| Average earning assets | $8,285,480,667 | 155 |
| Average equity | $952,482,000 | 168 |
| Average total loans | $2,851,774,000 | 269 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4357% | 5,054 |
| Cost of funding earning assets | 1.0330% | 1,286 |
| Net interest margin | 1.4027% | 5,086 |
| Noninterest income to average assets | 1.2499% | 563 |
| Noninterest expense to average assets | 3.4801% | 965 |
| Loan and lease loss provision to assets | 0.0015% | 3,707 |
| Net operating income to assets | -0.7052% | 4,958 |
| Return on assets (ROA) | -0.7056% | 4,940 |
| Pretax return on assets | -0.9408% | 4,948 |
| Return on Equity (ROE) | -6.5830% | 4,955 |
| Retained earnings to average equity (ytd only) | -6.5830% | 4,615 |
| Net charge-offs to loans | -0.0003% | 3,583 |
| Credit loss provision to net charge-offs | -1,650.0000% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.4710% | 72 |
| Assets per employee ($millions) | 34.4961% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 30.9334% | 4,890 |
| Net loans and leases to deposits | 37.7198% | 4,873 |
| Net loans and leases to core deposits | 91.1309% | 2,234 |
| Total domestic deposits to total assets | 73.4941% | 4,688 |
| Equity capital to assets | 10.1290% | 3,670 |
| Core capital (leverage) ratio | 8.5180% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3900% | 934 |
| Memoranda: | ||
| Average total assets | $8,770,607,500 | 159 |
| Average earning assets | $8,074,436,500 | 156 |
| Average equity | $940,060,500 | 170 |
| Average total loans | $2,894,653,000 | 262 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1736% | 5,005 |
| Cost of funding earning assets | 1.4393% | 485 |
| Net interest margin | 1.7344% | 5,119 |
| Noninterest income to average assets | 1.4148% | 475 |
| Noninterest expense to average assets | 1.7144% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9944% | 2,864 |
| Return on assets (ROA) | 1.0125% | 2,894 |
| Pretax return on assets | 1.3433% | 2,351 |
| Return on Equity (ROE) | 8.6954% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.1451% | 932 |
| Net charge-offs to loans | -0.0005% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0474% | 4,192 |
| Assets per employee ($millions) | 33.4526% | 35 |
| Cash dividends to net income (ytd only)* | 6.3291% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 4,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 34.6886% | 4,885 |
| Net loans and leases to deposits | 41.6134% | 4,876 |
| Net loans and leases to core deposits | 127.1832% | 323 |
| Total domestic deposits to total assets | 74.8502% | 4,713 |
| Equity capital to assets | 11.3750% | 2,640 |
| Core capital (leverage) ratio | 8.6164% | 4,773 |
| Tier 1 risk-based capital ratio | 19.0694% | 1,498 |
| Total risk-based capital ratio | 19.8340% | 1,583 |
| Memoranda: | ||
| Average total assets | $7,802,547,200 | 164 |
| Average earning assets | $7,287,908,200 | 159 |
| Average equity | $908,523,000 | 172 |
| Average total loans | $3,003,845,600 | 254 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 5,072 |
| Cost of funding earning assets | 1.4771% | 438 |
| Net interest margin | 1.8052% | 5,201 |
| Noninterest income to average assets | 1.3848% | 476 |
| Noninterest expense to average assets | 1.7880% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9517% | 3,162 |
| Return on assets (ROA) | 0.9763% | 3,143 |
| Pretax return on assets | 1.3193% | 2,603 |
| Return on Equity (ROE) | 8.3322% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.3322% | 1,275 |
| Net charge-offs to loans | -0.0004% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6789% | 3,982 |
| Assets per employee ($millions) | 30.1053% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 38.1104% | 4,867 |
| Net loans and leases to deposits | 45.5413% | 4,881 |
| Net loans and leases to core deposits | 140.3908% | 181 |
| Total domestic deposits to total assets | 76.4169% | 4,596 |
| Equity capital to assets | 12.0258% | 2,242 |
| Core capital (leverage) ratio | 9.4253% | 4,257 |
| Tier 1 risk-based capital ratio | 19.7627% | 1,411 |
| Total risk-based capital ratio | 20.5651% | 1,474 |
| Memoranda: | ||
| Average total assets | $7,679,119,750 | 166 |
| Average earning assets | $7,195,211,750 | 160 |
| Average equity | $899,729,000 | 174 |
| Average total loans | $3,028,888,750 | 254 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 5,106 |
| Cost of funding earning assets | 1.4946% | 384 |
| Net interest margin | 1.8524% | 5,256 |
| Noninterest income to average assets | 1.4360% | 427 |
| Noninterest expense to average assets | 1.5934% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1658% | 2,276 |
| Return on assets (ROA) | 1.2027% | 2,202 |
| Pretax return on assets | 1.6252% | 1,467 |
| Return on Equity (ROE) | 10.3564% | 2,232 |
| Retained earnings to average equity (ytd only) | 10.3564% | 662 |
| Net charge-offs to loans | -0.0005% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8002% | 4,790 |
| Assets per employee ($millions) | 27.8794% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.2332% | 4,812 |
| Net loans and leases to deposits | 51.1607% | 4,769 |
| Net loans and leases to core deposits | 151.8482% | 125 |
| Total domestic deposits to total assets | 77.4321% | 4,501 |
| Equity capital to assets | 12.6789% | 1,755 |
| Core capital (leverage) ratio | 9.6188% | 4,013 |
| Tier 1 risk-based capital ratio | 19.5079% | 1,434 |
| Total risk-based capital ratio | 20.3032% | 1,508 |
| Memoranda: | ||
| Average total assets | $7,669,842,330 | 167 |
| Average earning assets | $7,187,399,330 | 161 |
| Average equity | $890,697,670 | 175 |
| Average total loans | $3,050,866,000 | 256 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,165 |
| Cost of funding earning assets | 1.4591% | 373 |
| Net interest margin | 1.8541% | 5,327 |
| Noninterest income to average assets | 1.4921% | 396 |
| Noninterest expense to average assets | 1.7004% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1312% | 2,347 |
| Return on assets (ROA) | 1.1812% | 2,176 |
| Pretax return on assets | 1.5962% | 1,482 |
| Return on Equity (ROE) | 10.6170% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.6170% | 898 |
| Net charge-offs to loans | -0.0004% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1790% | 4,682 |
| Assets per employee ($millions) | 30.7834% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 39.9667% | 4,889 |
| Net loans and leases to deposits | 47.3372% | 4,887 |
| Net loans and leases to core deposits | 150.3964% | 121 |
| Total domestic deposits to total assets | 81.2177% | 3,926 |
| Equity capital to assets | 11.7347% | 2,200 |
| Core capital (leverage) ratio | 8.9691% | 4,675 |
| Tier 1 risk-based capital ratio | 19.4112% | 1,459 |
| Total risk-based capital ratio | 20.2204% | 1,518 |
| Memoranda: | ||
| Average total assets | $7,894,386,000 | 164 |
| Average earning assets | $7,413,769,500 | 160 |
| Average equity | $878,290,000 | 177 |
| Average total loans | $3,074,722,000 | 254 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 5,209 |
| Cost of funding earning assets | 1.0436% | 626 |
| Net interest margin | 2.0107% | 5,334 |
| Noninterest income to average assets | 1.2678% | 585 |
| Noninterest expense to average assets | 1.6820% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1293% | 2,478 |
| Return on assets (ROA) | 1.1976% | 2,179 |
| Pretax return on assets | 1.5471% | 1,632 |
| Return on Equity (ROE) | 11.0354% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.4421% | 535 |
| Net charge-offs to loans | -0.0006% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0905% | 4,711 |
| Assets per employee ($millions) | 32.2255% | 31 |
| Cash dividends to net income (ytd only)* | 5.3765% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 4,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.3717% | 5,033 |
| Net loans and leases to deposits | 46.8964% | 4,962 |
| Net loans and leases to core deposits | 149.3485% | 136 |
| Total domestic deposits to total assets | 72.9329% | 5,012 |
| Equity capital to assets | 10.5596% | 3,118 |
| Core capital (leverage) ratio | 9.0579% | 4,598 |
| Tier 1 risk-based capital ratio | 16.9916% | 2,073 |
| Total risk-based capital ratio | 17.7160% | 2,187 |
| Memoranda: | ||
| Average total assets | $7,765,545,000 | 165 |
| Average earning assets | $7,241,569,600 | 161 |
| Average equity | $842,714,200 | 177 |
| Average total loans | $3,077,431,800 | 250 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9957% | 5,290 |
| Cost of funding earning assets | 0.9880% | 627 |
| Net interest margin | 2.0077% | 5,406 |
| Noninterest income to average assets | 1.8894% | 301 |
| Noninterest expense to average assets | 1.6328% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5682% | 1,030 |
| Return on assets (ROA) | 1.6651% | 816 |
| Pretax return on assets | 2.2501% | 369 |
| Return on Equity (ROE) | 15.2340% | 832 |
| Retained earnings to average equity (ytd only) | 15.2340% | 167 |
| Net charge-offs to loans | -0.0006% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0567% | 5,246 |
| Assets per employee ($millions) | 28.1042% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,573 |
| Loan loss allowance to noncurrent loans | 855.0215% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,765 |
| Noncurrent loans to loans | 0.0949% | 4,462 |
| Net loans and leases to total assets | 43.8482% | 4,888 |
| Net loans and leases to deposits | 51.3027% | 4,905 |
| Net loans and leases to core deposits | 153.8059% | 112 |
| Total domestic deposits to total assets | 81.0290% | 3,859 |
| Equity capital to assets | 12.1599% | 1,796 |
| Core capital (leverage) ratio | 8.8915% | 4,808 |
| Tier 1 risk-based capital ratio | 17.9062% | 1,817 |
| Total risk-based capital ratio | 18.6584% | 1,912 |
| Memoranda: | ||
| Average total assets | $7,660,613,250 | 164 |
| Average earning assets | $7,138,470,250 | 161 |
| Average equity | $837,310,250 | 177 |
| Average total loans | $3,075,596,000 | 250 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7824% | 5,412 |
| Cost of funding earning assets | 0.8973% | 741 |
| Net interest margin | 1.8851% | 5,482 |
| Noninterest income to average assets | 2.2268% | 240 |
| Noninterest expense to average assets | 1.6198% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7476% | 659 |
| Return on assets (ROA) | 1.7835% | 606 |
| Pretax return on assets | 2.4101% | 266 |
| Return on Equity (ROE) | 16.9005% | 538 |
| Retained earnings to average equity (ytd only) | 16.9005% | 127 |
| Net charge-offs to loans | -0.0008% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3161% | 5,395 |
| Assets per employee ($millions) | 28.9709% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,571 |
| Loan loss allowance to noncurrent loans | 854.9553% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,830 |
| Noncurrent loans to loans | 0.0987% | 4,468 |
| Net loans and leases to total assets | 39.4789% | 5,071 |
| Net loans and leases to deposits | 45.6824% | 5,109 |
| Net loans and leases to core deposits | 135.8576% | 241 |
| Total domestic deposits to total assets | 79.1881% | 4,398 |
| Equity capital to assets | 11.0954% | 2,545 |
| Core capital (leverage) ratio | 8.6537% | 4,995 |
| Tier 1 risk-based capital ratio | 16.8452% | 2,148 |
| Total risk-based capital ratio | 17.5726% | 2,266 |
| Memoranda: | ||
| Average total assets | $7,815,926,000 | 162 |
| Average earning assets | $7,287,447,670 | 159 |
| Average equity | $824,792,670 | 177 |
| Average total loans | $3,040,618,670 | 250 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6108% | 5,509 |
| Cost of funding earning assets | 0.8139% | 900 |
| Net interest margin | 1.7969% | 5,554 |
| Noninterest income to average assets | 2.3723% | 212 |
| Noninterest expense to average assets | 1.6161% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8005% | 565 |
| Return on assets (ROA) | 1.8005% | 567 |
| Pretax return on assets | 2.4332% | 249 |
| Return on Equity (ROE) | 17.5004% | 457 |
| Retained earnings to average equity (ytd only) | 17.5004% | 173 |
| Net charge-offs to loans | -0.0005% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5821% | 5,467 |
| Assets per employee ($millions) | 30.2225% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,704 |
| Loan loss allowance to noncurrent loans | 842.1620% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,908 |
| Noncurrent loans to loans | 0.0987% | 4,528 |
| Net loans and leases to total assets | 40.7351% | 5,039 |
| Net loans and leases to deposits | 47.0309% | 5,074 |
| Net loans and leases to core deposits | 126.2296% | 416 |
| Total domestic deposits to total assets | 83.1229% | 3,625 |
| Equity capital to assets | 10.8128% | 2,759 |
| Core capital (leverage) ratio | 8.1746% | 5,331 |
| Tier 1 risk-based capital ratio | 15.4848% | 2,668 |
| Total risk-based capital ratio | 16.1801% | 2,831 |
| Memoranda: | ||
| Average total assets | $7,885,247,000 | 163 |
| Average earning assets | $7,359,027,500 | 158 |
| Average equity | $811,274,500 | 178 |
| Average total loans | $3,032,576,500 | 252 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2974% | 5,587 |
| Cost of funding earning assets | 0.5988% | 1,600 |
| Net interest margin | 1.6986% | 5,604 |
| Noninterest income to average assets | 2.1090% | 273 |
| Noninterest expense to average assets | 1.6628% | 5,368 |
| Loan and lease loss provision to assets | -0.0005% | 5,279 |
| Net operating income to assets | 1.4729% | 862 |
| Return on assets (ROA) | 1.4723% | 873 |
| Pretax return on assets | 2.0349% | 454 |
| Return on Equity (ROE) | 15.5158% | 543 |
| Retained earnings to average equity (ytd only) | 14.8409% | 85 |
| Net charge-offs to loans | -0.0005% | 4,476 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7366% | 5,429 |
| Assets per employee ($millions) | 33.9457% | 29 |
| Cash dividends to net income (ytd only)* | 4.3496% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 35.7375% | 5,296 |
| Net loans and leases to deposits | 40.9640% | 5,320 |
| Net loans and leases to core deposits | 109.1510% | 1,056 |
| Total domestic deposits to total assets | 79.1156% | 4,521 |
| Equity capital to assets | 9.8063% | 3,910 |
| Core capital (leverage) ratio | 7.9359% | 5,471 |
| Tier 1 risk-based capital ratio | 15.1674% | 2,765 |
| Total risk-based capital ratio | 15.8735% | 2,953 |
| Memoranda: | ||
| Average total assets | $7,807,831,800 | 157 |
| Average earning assets | $7,303,700,000 | 151 |
| Average equity | $740,876,200 | 179 |
| Average total loans | $2,823,633,600 | 251 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2817% | 5,654 |
| Cost of funding earning assets | 0.5752% | 1,708 |
| Net interest margin | 1.7065% | 5,673 |
| Noninterest income to average assets | 1.7771% | 370 |
| Noninterest expense to average assets | 1.5017% | 5,518 |
| Loan and lease loss provision to assets | -0.0007% | 5,431 |
| Net operating income to assets | 1.2725% | 1,426 |
| Return on assets (ROA) | 1.2718% | 1,456 |
| Pretax return on assets | 1.8703% | 745 |
| Return on Equity (ROE) | 13.5234% | 927 |
| Retained earnings to average equity (ytd only) | 13.5234% | 179 |
| Net charge-offs to loans | -0.0003% | 4,246 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3274% | 5,473 |
| Assets per employee ($millions) | 30.8106% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.1510% | 5,299 |
| Net loans and leases to deposits | 42.7782% | 5,345 |
| Net loans and leases to core deposits | 110.1090% | 1,021 |
| Total domestic deposits to total assets | 80.7361% | 4,125 |
| Equity capital to assets | 10.1036% | 3,799 |
| Core capital (leverage) ratio | 7.6825% | 5,596 |
| Tier 1 risk-based capital ratio | 15.2430% | 2,818 |
| Total risk-based capital ratio | 15.9861% | 2,977 |
| Memoranda: | ||
| Average total assets | $7,706,074,250 | 161 |
| Average earning assets | $7,203,437,000 | 154 |
| Average equity | $724,702,250 | 179 |
| Average total loans | $2,789,149,500 | 252 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2067% | 5,711 |
| Cost of funding earning assets | 0.5430% | 1,821 |
| Net interest margin | 1.6637% | 5,732 |
| Noninterest income to average assets | 2.0155% | 306 |
| Noninterest expense to average assets | 1.4507% | 5,604 |
| Loan and lease loss provision to assets | -0.0330% | 5,582 |
| Net operating income to assets | 1.4638% | 929 |
| Return on assets (ROA) | 1.4620% | 955 |
| Pretax return on assets | 2.1500% | 399 |
| Return on Equity (ROE) | 15.9342% | 541 |
| Retained earnings to average equity (ytd only) | 15.9342% | 105 |
| Net charge-offs to loans | -0.0007% | 4,125 |
| Credit loss provision to net charge-offs | 14,177.7778% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6317% | 5,614 |
| Assets per employee ($millions) | 31.0935% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 4,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.7393% | 5,350 |
| Net loans and leases to deposits | 42.1197% | 5,397 |
| Net loans and leases to core deposits | 99.3903% | 1,692 |
| Total domestic deposits to total assets | 82.4135% | 3,765 |
| Equity capital to assets | 9.8568% | 4,081 |
| Core capital (leverage) ratio | 7.4316% | 5,668 |
| Tier 1 risk-based capital ratio | 14.6106% | 3,107 |
| Total risk-based capital ratio | 15.3067% | 3,322 |
| Memoranda: | ||
| Average total assets | $7,738,029,000 | 159 |
| Average earning assets | $7,231,901,000 | 155 |
| Average equity | $709,969,000 | 181 |
| Average total loans | $2,767,850,670 | 256 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1355% | 5,783 |
| Cost of funding earning assets | 0.5275% | 1,878 |
| Net interest margin | 1.6081% | 5,802 |
| Noninterest income to average assets | 2.4429% | 242 |
| Noninterest expense to average assets | 1.3812% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7431% | 507 |
| Return on assets (ROA) | 1.7209% | 538 |
| Pretax return on assets | 2.5307% | 205 |
| Return on Equity (ROE) | 19.4581% | 258 |
| Retained earnings to average equity (ytd only) | 19.4581% | 114 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0153% | 5,764 |
| Assets per employee ($millions) | 36.4537% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 33.0241% | 5,497 |
| Net loans and leases to deposits | 37.3395% | 5,542 |
| Net loans and leases to core deposits | 100.4094% | 1,477 |
| Total domestic deposits to total assets | 81.3024% | 4,346 |
| Equity capital to assets | 8.7165% | 5,061 |
| Core capital (leverage) ratio | 7.5201% | 5,700 |
| Tier 1 risk-based capital ratio | 14.8972% | 3,015 |
| Total risk-based capital ratio | 15.6005% | 3,201 |
| Memoranda: | ||
| Average total assets | $7,813,636,000 | 158 |
| Average earning assets | $7,296,221,000 | 153 |
| Average equity | $691,043,500 | 183 |
| Average total loans | $2,745,833,500 | 258 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9462% | 5,847 |
| Cost of funding earning assets | 0.4530% | 2,513 |
| Net interest margin | 1.4932% | 5,856 |
| Noninterest income to average assets | 1.0158% | 1,097 |
| Noninterest expense to average assets | 1.6846% | 5,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4920% | 4,663 |
| Return on assets (ROA) | 0.7925% | 3,442 |
| Pretax return on assets | 1.1655% | 2,827 |
| Return on Equity (ROE) | 8.8224% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.0680% | 837 |
| Net charge-offs to loans | -0.0010% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9529% | 2,908 |
| Assets per employee ($millions) | 33.7926% | 30 |
| Cash dividends to net income (ytd only)* | 8.5512% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.9019% | 5,454 |
| Net loans and leases to deposits | 42.6609% | 5,473 |
| Net loans and leases to core deposits | 101.4573% | 1,491 |
| Total domestic deposits to total assets | 79.3333% | 4,711 |
| Equity capital to assets | 9.0166% | 4,799 |
| Core capital (leverage) ratio | 7.2073% | 5,791 |
| Tier 1 risk-based capital ratio | 13.9334% | 3,500 |
| Total risk-based capital ratio | 14.6253% | 3,752 |
| Memoranda: | ||
| Average total assets | $7,377,935,400 | 157 |
| Average earning assets | $6,879,448,600 | 153 |
| Average equity | $662,753,800 | 182 |
| Average total loans | $2,800,575,400 | 239 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8781% | 5,918 |
| Cost of funding earning assets | 0.4460% | 2,593 |
| Net interest margin | 1.4321% | 5,927 |
| Noninterest income to average assets | 1.0383% | 1,051 |
| Noninterest expense to average assets | 2.2323% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1045% | 5,619 |
| Return on assets (ROA) | 0.5499% | 4,603 |
| Pretax return on assets | 0.7431% | 4,493 |
| Return on Equity (ROE) | 6.1272% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.1272% | 2,113 |
| Net charge-offs to loans | -0.0012% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0521% | 387 |
| Assets per employee ($millions) | 35.8604% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,852 |
| Loan loss allowance to noncurrent loans | 842.8478% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 5,324 |
| Noncurrent loans to loans | 0.1073% | 4,911 |
| Net loans and leases to total assets | 36.0042% | 5,551 |
| Net loans and leases to deposits | 43.9763% | 5,515 |
| Net loans and leases to core deposits | 107.0635% | 1,108 |
| Total domestic deposits to total assets | 75.1322% | 5,326 |
| Equity capital to assets | 8.6865% | 5,408 |
| Core capital (leverage) ratio | 6.7447% | 5,898 |
| Tier 1 risk-based capital ratio | 13.4822% | 3,868 |
| Total risk-based capital ratio | 14.1754% | 4,118 |
| Memoranda: | ||
| Average total assets | $7,363,827,000 | 158 |
| Average earning assets | $6,865,375,750 | 153 |
| Average equity | $660,860,250 | 183 |
| Average total loans | $2,808,410,250 | 238 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8734% | 5,999 |
| Cost of funding earning assets | 0.4534% | 2,539 |
| Net interest margin | 1.4200% | 6,009 |
| Noninterest income to average assets | 1.0400% | 1,035 |
| Noninterest expense to average assets | 2.6960% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2486% | 5,866 |
| Return on assets (ROA) | 0.4346% | 5,011 |
| Pretax return on assets | 0.5872% | 4,917 |
| Return on Equity (ROE) | 4.7872% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.7872% | 2,872 |
| Net charge-offs to loans | -0.0016% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2438% | 116 |
| Assets per employee ($millions) | 37.5690% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,972 |
| Loan loss allowance to noncurrent loans | 842.7172% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 5,427 |
| Noncurrent loans to loans | 0.1063% | 5,019 |
| Net loans and leases to total assets | 35.0257% | 5,645 |
| Net loans and leases to deposits | 43.0671% | 5,590 |
| Net loans and leases to core deposits | 110.2138% | 923 |
| Total domestic deposits to total assets | 75.0638% | 5,404 |
| Equity capital to assets | 8.2638% | 5,708 |
| Core capital (leverage) ratio | 6.5658% | 5,971 |
| Tier 1 risk-based capital ratio | 13.5552% | 3,865 |
| Total risk-based capital ratio | 14.2659% | 4,105 |
| Memoranda: | ||
| Average total assets | $7,200,623,670 | 161 |
| Average earning assets | $6,692,601,330 | 154 |
| Average equity | $653,739,670 | 182 |
| Average total loans | $2,793,421,330 | 240 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9178% | 6,061 |
| Cost of funding earning assets | 0.3908% | 3,180 |
| Net interest margin | 1.5270% | 6,067 |
| Noninterest income to average assets | 1.3207% | 628 |
| Noninterest expense to average assets | 4.1774% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.0590% | 6,035 |
| Return on assets (ROA) | 0.5419% | 4,561 |
| Pretax return on assets | 0.7324% | 4,411 |
| Return on Equity (ROE) | 5.6612% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6612% | 2,550 |
| Net charge-offs to loans | -0.0032% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.1096% | 43 |
| Assets per employee ($millions) | 31.5320% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 4,815 |
| Loan loss allowance to noncurrent loans | 598.2843% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,346 |
| Noncurrent loans to loans | 0.1600% | 4,853 |
| Net loans and leases to total assets | 39.3906% | 5,489 |
| Net loans and leases to deposits | 45.6874% | 5,521 |
| Net loans and leases to core deposits | 105.9945% | 1,077 |
| Total domestic deposits to total assets | 77.5480% | 5,212 |
| Equity capital to assets | 9.5113% | 4,659 |
| Core capital (leverage) ratio | 7.5622% | 5,916 |
| Tier 1 risk-based capital ratio | 15.4997% | 2,915 |
| Total risk-based capital ratio | 16.3171% | 3,062 |
| Memoranda: | ||
| Average total assets | $6,724,696,000 | 167 |
| Average earning assets | $6,277,941,500 | 161 |
| Average equity | $643,756,000 | 184 |
| Average total loans | $2,749,500,000 | 240 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0099% | 6,098 |
| Cost of funding earning assets | 0.3899% | 3,267 |
| Net interest margin | 1.6200% | 6,102 |
| Noninterest income to average assets | 1.0800% | 1,008 |
| Noninterest expense to average assets | 2.0323% | 5,395 |
| Loan and lease loss provision to assets | 0.0096% | 4,210 |
| Net operating income to assets | 0.5030% | 4,681 |
| Return on assets (ROA) | 0.4536% | 4,955 |
| Pretax return on assets | 0.5055% | 5,100 |
| Return on Equity (ROE) | 4.7852% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.9882% | 3,191 |
| Net charge-offs to loans | -0.0248% | 5,338 |
| Credit loss provision to net charge-offs | -95.0820% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0926% | 1,953 |
| Assets per employee ($millions) | 30.5964% | 32 |
| Cash dividends to net income (ytd only)* | 16.6556% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 5,011 |
| Loan loss allowance to noncurrent loans | 597.7742% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 5,384 |
| Noncurrent loans to loans | 0.1539% | 4,878 |
| Net loans and leases to total assets | 41.6338% | 5,431 |
| Net loans and leases to deposits | 48.9539% | 5,445 |
| Net loans and leases to core deposits | 115.7216% | 607 |
| Total domestic deposits to total assets | 72.5855% | 5,759 |
| Equity capital to assets | 9.6357% | 4,392 |
| Core capital (leverage) ratio | 7.5755% | 5,959 |
| Tier 1 risk-based capital ratio | 14.0771% | 3,669 |
| Total risk-based capital ratio | 14.8288% | 3,893 |
| Memoranda: | ||
| Average total assets | $6,618,688,600 | 161 |
| Average earning assets | $6,219,907,000 | 153 |
| Average equity | $627,354,000 | 181 |
| Average total loans | $2,710,256,000 | 230 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9593% | 6,193 |
| Cost of funding earning assets | 0.3932% | 3,291 |
| Net interest margin | 1.5660% | 6,198 |
| Noninterest income to average assets | 1.1126% | 975 |
| Noninterest expense to average assets | 2.3129% | 4,749 |
| Loan and lease loss provision to assets | -0.0061% | 5,805 |
| Net operating income to assets | 0.2054% | 5,670 |
| Return on assets (ROA) | 0.1943% | 5,750 |
| Pretax return on assets | 0.2626% | 5,698 |
| Return on Equity (ROE) | 2.0588% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.0588% | 4,849 |
| Net charge-offs to loans | -0.0332% | 5,397 |
| Credit loss provision to net charge-offs | 45.1420% | 3,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4944% | 731 |
| Assets per employee ($millions) | 29.0973% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,155 |
| Loan loss allowance to noncurrent loans | 573.1426% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 5,491 |
| Noncurrent loans to loans | 0.1593% | 5,007 |
| Net loans and leases to total assets | 41.9251% | 5,494 |
| Net loans and leases to deposits | 48.0169% | 5,567 |
| Net loans and leases to core deposits | 131.4758% | 261 |
| Total domestic deposits to total assets | 75.4514% | 5,581 |
| Equity capital to assets | 9.6306% | 4,600 |
| Core capital (leverage) ratio | 7.4480% | 6,067 |
| Tier 1 risk-based capital ratio | 14.4708% | 3,591 |
| Total risk-based capital ratio | 15.2356% | 3,798 |
| Memoranda: | ||
| Average total assets | $6,605,856,750 | 161 |
| Average earning assets | $6,208,373,000 | 153 |
| Average equity | $623,517,000 | 184 |
| Average total loans | $2,687,129,750 | 234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9292% | 6,269 |
| Cost of funding earning assets | 0.3923% | 3,352 |
| Net interest margin | 1.5369% | 6,279 |
| Noninterest income to average assets | 1.3216% | 702 |
| Noninterest expense to average assets | 1.4381% | 6,149 |
| Loan and lease loss provision to assets | -0.0091% | 5,959 |
| Net operating income to assets | 0.9899% | 2,437 |
| Return on assets (ROA) | 0.9791% | 2,608 |
| Pretax return on assets | 1.3231% | 2,273 |
| Return on Equity (ROE) | 10.4413% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.4413% | 594 |
| Net charge-offs to loans | 0.0004% | 3,888 |
| Credit loss provision to net charge-offs | -6,040.0000% | 5,603 |
| Earnings coverage of net charge-offs (x) | 8,854.8000% | 3 |
| Efficiency ratio | 51.9774% | 5,718 |
| Assets per employee ($millions) | 29.7416% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 5,386 |
| Loan loss allowance to noncurrent loans | 310.8438% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,403 |
| Noncurrent loans to loans | 0.2819% | 4,664 |
| Net loans and leases to total assets | 40.4866% | 5,600 |
| Net loans and leases to deposits | 45.8260% | 5,688 |
| Net loans and leases to core deposits | 128.2401% | 305 |
| Total domestic deposits to total assets | 77.6717% | 5,341 |
| Equity capital to assets | 9.4224% | 4,747 |
| Core capital (leverage) ratio | 7.5415% | 6,089 |
| Tier 1 risk-based capital ratio | 15.0577% | 3,327 |
| Total risk-based capital ratio | 15.7955% | 3,537 |
| Memoranda: | ||
| Average total assets | $6,664,309,000 | 160 |
| Average earning assets | $6,266,580,670 | 152 |
| Average equity | $624,923,670 | 184 |
| Average total loans | $2,675,894,330 | 234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9206% | 6,341 |
| Cost of funding earning assets | 0.3905% | 3,405 |
| Net interest margin | 1.5302% | 6,339 |
| Noninterest income to average assets | 1.1837% | 812 |
| Noninterest expense to average assets | 2.0552% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4201% | 4,997 |
| Return on assets (ROA) | 0.4049% | 5,167 |
| Pretax return on assets | 0.5472% | 5,052 |
| Return on Equity (ROE) | 4.3286% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.3286% | 3,415 |
| Net charge-offs to loans | 0.0011% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1,342.4286% | 27 |
| Efficiency ratio | 78.3554% | 2,136 |
| Assets per employee ($millions) | 31.0772% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 5,363 |
| Loan loss allowance to noncurrent loans | 711.3987% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,743 |
| Noncurrent loans to loans | 0.1297% | 5,312 |
| Net loans and leases to total assets | 37.3974% | 5,756 |
| Net loans and leases to deposits | 43.2972% | 5,785 |
| Net loans and leases to core deposits | 125.5922% | 300 |
| Total domestic deposits to total assets | 75.2504% | 5,806 |
| Equity capital to assets | 8.8644% | 5,428 |
| Core capital (leverage) ratio | 7.7072% | 6,068 |
| Tier 1 risk-based capital ratio | 14.6586% | 3,620 |
| Total risk-based capital ratio | 15.4103% | 3,834 |
| Memoranda: | ||
| Average total assets | $6,620,794,500 | 159 |
| Average earning assets | $6,227,288,500 | 152 |
| Average equity | $619,317,500 | 183 |
| Average total loans | $2,635,064,000 | 235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9913% | 6,422 |
| Cost of funding earning assets | 0.4612% | 3,062 |
| Net interest margin | 1.5301% | 6,430 |
| Noninterest income to average assets | 0.8942% | 1,515 |
| Noninterest expense to average assets | 1.8003% | 6,064 |
| Loan and lease loss provision to assets | 0.0154% | 4,300 |
| Net operating income to assets | 0.4095% | 5,194 |
| Return on assets (ROA) | 0.4206% | 5,224 |
| Pretax return on assets | 0.5400% | 5,142 |
| Return on Equity (ROE) | 4.3845% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.5510% | 3,703 |
| Net charge-offs to loans | -0.0188% | 5,689 |
| Credit loss provision to net charge-offs | -202.7426% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8874% | 2,374 |
| Assets per employee ($millions) | 29.8949% | 33 |
| Cash dividends to net income (ytd only)* | 19.0092% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 5,354 |
| Loan loss allowance to noncurrent loans | 699.3998% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 5,789 |
| Noncurrent loans to loans | 0.1336% | 5,359 |
| Net loans and leases to total assets | 41.7264% | 5,642 |
| Net loans and leases to deposits | 47.7531% | 5,695 |
| Net loans and leases to core deposits | 144.9035% | 131 |
| Total domestic deposits to total assets | 74.7453% | 5,881 |
| Equity capital to assets | 9.9073% | 4,225 |
| Core capital (leverage) ratio | 9.0950% | 4,832 |
| Tier 1 risk-based capital ratio | 16.9567% | 2,531 |
| Total risk-based capital ratio | 16.1017% | 3,506 |
| Memoranda: | ||
| Average total assets | $6,253,789,600 | 162 |
| Average earning assets | $5,915,356,800 | 153 |
| Average equity | $599,908,000 | 178 |
| Average total loans | $2,526,551,800 | 227 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9931% | 6,504 |
| Cost of funding earning assets | 0.4675% | 3,077 |
| Net interest margin | 1.5256% | 6,512 |
| Noninterest income to average assets | 0.8666% | 1,639 |
| Noninterest expense to average assets | 1.6044% | 6,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4589% | 5,036 |
| Return on assets (ROA) | 0.4712% | 5,069 |
| Pretax return on assets | 0.7250% | 4,608 |
| Return on Equity (ROE) | 4.9526% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.9526% | 3,110 |
| Net charge-offs to loans | -0.0132% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4406% | 3,599 |
| Assets per employee ($millions) | 31.9016% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 5,677 |
| Loan loss allowance to noncurrent loans | 712.5153% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,935 |
| Noncurrent loans to loans | 0.1226% | 5,560 |
| Net loans and leases to total assets | 43.3571% | 5,571 |
| Net loans and leases to deposits | 51.8758% | 5,537 |
| Net loans and leases to core deposits | 163.9359% | 73 |
| Total domestic deposits to total assets | 71.3225% | 6,213 |
| Equity capital to assets | 10.1273% | 4,012 |
| Core capital (leverage) ratio | 9.1669% | 4,824 |
| Tier 1 risk-based capital ratio | 16.1941% | 2,961 |
| Total risk-based capital ratio | 15.3872% | 4,052 |
| Memoranda: | ||
| Average total assets | $6,262,699,750 | 161 |
| Average earning assets | $5,926,797,500 | 151 |
| Average equity | $595,872,750 | 178 |
| Average total loans | $2,503,419,750 | 226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0021% | 6,570 |
| Cost of funding earning assets | 0.4656% | 3,153 |
| Net interest margin | 1.5365% | 6,580 |
| Noninterest income to average assets | 0.8940% | 1,514 |
| Noninterest expense to average assets | 1.8259% | 6,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3410% | 5,429 |
| Return on assets (ROA) | 0.3592% | 5,443 |
| Pretax return on assets | 0.5527% | 5,126 |
| Return on Equity (ROE) | 3.8553% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.8553% | 3,721 |
| Net charge-offs to loans | -0.0010% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6826% | 2,342 |
| Assets per employee ($millions) | 32.3903% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,698 |
| Loan loss allowance to noncurrent loans | 644.5470% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,001 |
| Noncurrent loans to loans | 0.1410% | 5,581 |
| Net loans and leases to total assets | 41.7169% | 5,694 |
| Net loans and leases to deposits | 47.4968% | 5,799 |
| Net loans and leases to core deposits | 149.3011% | 102 |
| Total domestic deposits to total assets | 75.0563% | 6,015 |
| Equity capital to assets | 10.0080% | 4,093 |
| Core capital (leverage) ratio | 8.8789% | 5,194 |
| Tier 1 risk-based capital ratio | 16.0504% | 3,062 |
| Total risk-based capital ratio | 15.2580% | 4,193 |
| Memoranda: | ||
| Average total assets | $6,319,199,000 | 158 |
| Average earning assets | $5,989,823,670 | 148 |
| Average equity | $588,804,000 | 176 |
| Average total loans | $2,449,519,670 | 227 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0952% | 6,637 |
| Cost of funding earning assets | 0.4755% | 3,174 |
| Net interest margin | 1.6197% | 6,646 |
| Noninterest income to average assets | 0.8909% | 1,424 |
| Noninterest expense to average assets | 1.5722% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5547% | 4,435 |
| Return on assets (ROA) | 0.5593% | 4,494 |
| Pretax return on assets | 0.8606% | 3,858 |
| Return on Equity (ROE) | 6.2173% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.2173% | 2,427 |
| Net charge-offs to loans | -0.0007% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8161% | 4,728 |
| Assets per employee ($millions) | 33.8685% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 5,748 |
| Loan loss allowance to noncurrent loans | 756.9645% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 6,128 |
| Noncurrent loans to loans | 0.1239% | 5,736 |
| Net loans and leases to total assets | 39.4922% | 5,844 |
| Net loans and leases to deposits | 44.9629% | 5,919 |
| Net loans and leases to core deposits | 160.0178% | 73 |
| Total domestic deposits to total assets | 75.7121% | 6,097 |
| Equity capital to assets | 9.5897% | 4,368 |
| Core capital (leverage) ratio | 8.4440% | 5,707 |
| Tier 1 risk-based capital ratio | 14.8901% | 3,766 |
| Total risk-based capital ratio | 14.2131% | 4,960 |
| Memoranda: | ||
| Average total assets | $6,466,503,500 | 157 |
| Average earning assets | $6,127,653,500 | 144 |
| Average equity | $581,736,000 | 178 |
| Average total loans | $2,406,119,500 | 229 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2990% | 6,670 |
| Cost of funding earning assets | 0.5577% | 3,045 |
| Net interest margin | 1.7413% | 6,695 |
| Noninterest income to average assets | 0.7040% | 2,520 |
| Noninterest expense to average assets | 1.3103% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6242% | 4,144 |
| Return on assets (ROA) | 0.6410% | 4,175 |
| Pretax return on assets | 1.0814% | 3,019 |
| Return on Equity (ROE) | 7.1730% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.2825% | 1,806 |
| Net charge-offs to loans | 0.0285% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 103.2523% | 456 |
| Efficiency ratio | 55.3950% | 6,008 |
| Assets per employee ($millions) | 37.6053% | 30 |
| Cash dividends to net income (ytd only)* | 12.4146% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 5,667 |
| Loan loss allowance to noncurrent loans | 416.9593% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 6,098 |
| Noncurrent loans to loans | 0.2346% | 5,479 |
| Net loans and leases to total assets | 34.4490% | 6,269 |
| Net loans and leases to deposits | 38.3779% | 6,352 |
| Net loans and leases to core deposits | 158.7761% | 74 |
| Total domestic deposits to total assets | 72.4474% | 6,390 |
| Equity capital to assets | 8.4556% | 5,629 |
| Core capital (leverage) ratio | 8.0298% | 6,111 |
| Tier 1 risk-based capital ratio | 14.3306% | 4,065 |
| Total risk-based capital ratio | 13.7284% | 5,254 |
| Memoranda: | ||
| Average total assets | $6,282,798,000 | 152 |
| Average earning assets | $5,994,249,200 | 143 |
| Average equity | $561,476,800 | 182 |
| Average total loans | $2,250,344,800 | 229 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3268% | 6,745 |
| Cost of funding earning assets | 0.5767% | 3,030 |
| Net interest margin | 1.7502% | 6,779 |
| Noninterest income to average assets | 0.6503% | 2,882 |
| Noninterest expense to average assets | 1.1739% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6849% | 3,929 |
| Return on assets (ROA) | 0.7169% | 3,902 |
| Pretax return on assets | 1.1948% | 2,722 |
| Return on Equity (ROE) | 7.9047% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.9047% | 1,449 |
| Net charge-offs to loans | 0.0401% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 79.0790% | 603 |
| Efficiency ratio | 50.6271% | 6,359 |
| Assets per employee ($millions) | 35.0402% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 5,717 |
| Loan loss allowance to noncurrent loans | 420.5812% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 6,189 |
| Noncurrent loans to loans | 0.2378% | 5,642 |
| Net loans and leases to total assets | 34.5780% | 6,337 |
| Net loans and leases to deposits | 39.1526% | 6,412 |
| Net loans and leases to core deposits | 167.7646% | 61 |
| Total domestic deposits to total assets | 74.3334% | 6,350 |
| Equity capital to assets | 8.6586% | 5,558 |
| Core capital (leverage) ratio | 7.9005% | 6,274 |
| Tier 1 risk-based capital ratio | 14.2915% | 4,222 |
| Total risk-based capital ratio | 13.6996% | 5,425 |
| Memoranda: | ||
| Average total assets | $6,161,261,250 | 152 |
| Average earning assets | $5,873,760,750 | 145 |
| Average equity | $558,757,000 | 179 |
| Average total loans | $2,224,213,000 | 231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3336% | 6,789 |
| Cost of funding earning assets | 0.5916% | 3,018 |
| Net interest margin | 1.7420% | 6,825 |
| Noninterest income to average assets | 0.6751% | 2,767 |
| Noninterest expense to average assets | 1.1599% | 6,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7041% | 3,783 |
| Return on assets (ROA) | 0.7717% | 3,612 |
| Pretax return on assets | 1.2861% | 2,351 |
| Return on Equity (ROE) | 8.3708% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.3708% | 1,343 |
| Net charge-offs to loans | 0.0410% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 78.7738% | 575 |
| Efficiency ratio | 49.5606% | 6,457 |
| Assets per employee ($millions) | 34.9106% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 5,585 |
| Loan loss allowance to noncurrent loans | 407.3119% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,224 |
| Noncurrent loans to loans | 0.2600% | 5,661 |
| Net loans and leases to total assets | 34.1525% | 6,406 |
| Net loans and leases to deposits | 38.4749% | 6,466 |
| Net loans and leases to core deposits | 172.5665% | 59 |
| Total domestic deposits to total assets | 75.7497% | 6,275 |
| Equity capital to assets | 8.8169% | 5,427 |
| Core capital (leverage) ratio | 8.4137% | 5,759 |
| Tier 1 risk-based capital ratio | 14.2912% | 4,234 |
| Total risk-based capital ratio | 13.7302% | 5,459 |
| Memoranda: | ||
| Average total assets | $6,019,162,670 | 155 |
| Average earning assets | $5,753,977,000 | 146 |
| Average equity | $554,879,000 | 179 |
| Average total loans | $2,198,665,000 | 233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3373% | 6,860 |
| Cost of funding earning assets | 0.5945% | 3,159 |
| Net interest margin | 1.7428% | 6,902 |
| Noninterest income to average assets | 0.6774% | 2,709 |
| Noninterest expense to average assets | 1.2090% | 6,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6744% | 3,821 |
| Return on assets (ROA) | 0.7985% | 3,308 |
| Pretax return on assets | 1.3309% | 2,121 |
| Return on Equity (ROE) | 8.4619% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.4619% | 1,577 |
| Net charge-offs to loans | -0.0007% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5355% | 6,409 |
| Assets per employee ($millions) | 34.2135% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,668 |
| Loan loss allowance to noncurrent loans | 408.5389% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 6,300 |
| Noncurrent loans to loans | 0.2656% | 5,746 |
| Net loans and leases to total assets | 36.2629% | 6,277 |
| Net loans and leases to deposits | 41.2194% | 6,366 |
| Net loans and leases to core deposits | 178.5779% | 53 |
| Total domestic deposits to total assets | 79.8171% | 5,793 |
| Equity capital to assets | 9.3599% | 5,045 |
| Core capital (leverage) ratio | 8.4494% | 5,646 |
| Tier 1 risk-based capital ratio | 13.6000% | 4,797 |
| Total risk-based capital ratio | 13.0921% | 5,978 |
| Memoranda: | ||
| Average total assets | $5,851,878,000 | 163 |
| Average earning assets | $5,602,601,000 | 152 |
| Average equity | $552,217,000 | 183 |
| Average total loans | $2,201,405,000 | 234 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7001% | 6,878 |
| Cost of funding earning assets | 0.5984% | 4,371 |
| Net interest margin | 2.1018% | 6,900 |
| Noninterest income to average assets | 0.8401% | 2,081 |
| Noninterest expense to average assets | 1.3050% | 6,949 |
| Loan and lease loss provision to assets | 0.0108% | 5,784 |
| Net operating income to assets | 0.8716% | 2,954 |
| Return on assets (ROA) | 0.8715% | 3,194 |
| Pretax return on assets | 1.5004% | 1,675 |
| Return on Equity (ROE) | 9.2855% | 2,495 |
| Retained earnings to average equity (ytd only) | 4.0518% | 3,366 |
| Net charge-offs to loans | 0.0282% | 5,501 |
| Credit loss provision to net charge-offs | 103.5836% | 2,893 |
| Earnings coverage of net charge-offs (x) | 144.3993% | 292 |
| Efficiency ratio | 46.3349% | 6,772 |
| Assets per employee ($millions) | 34.4348% | 38 |
| Cash dividends to net income (ytd only)* | 56.3640% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,691 |
| Loan loss allowance to noncurrent loans | 796.2004% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 6,505 |
| Noncurrent loans to loans | 0.1339% | 6,149 |
| Net loans and leases to total assets | 38.1988% | 6,288 |
| Net loans and leases to deposits | 43.0692% | 6,422 |
| Net loans and leases to core deposits | 160.5550% | 77 |
| Total domestic deposits to total assets | 80.0688% | 5,642 |
| Equity capital to assets | 9.5159% | 4,853 |
| Core capital (leverage) ratio | 8.4279% | 5,720 |
| Tier 1 risk-based capital ratio | 13.2263% | 4,943 |
| Total risk-based capital ratio | 12.7559% | 6,070 |
| Memoranda: | ||
| Average total assets | $5,598,430,800 | 163 |
| Average earning assets | $5,264,292,800 | 154 |
| Average equity | $525,441,400 | 186 |
| Average total loans | $2,080,276,400 | 236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4790% | 7,053 |
| Cost of funding earning assets | 0.5859% | 4,781 |
| Net interest margin | 1.8932% | 7,063 |
| Noninterest income to average assets | 0.8662% | 1,956 |
| Noninterest expense to average assets | 1.2371% | 7,069 |
| Loan and lease loss provision to assets | 0.0146% | 5,631 |
| Net operating income to assets | 0.8586% | 3,176 |
| Return on assets (ROA) | 0.8590% | 3,421 |
| Pretax return on assets | 1.3855% | 2,280 |
| Return on Equity (ROE) | 9.1855% | 2,714 |
| Retained earnings to average equity (ytd only) | 2.7753% | 4,887 |
| Net charge-offs to loans | 0.0383% | 5,114 |
| Credit loss provision to net charge-offs | 103.2313% | 2,854 |
| Earnings coverage of net charge-offs (x) | 99.2551% | 428 |
| Efficiency ratio | 46.9224% | 6,774 |
| Assets per employee ($millions) | 33.5551% | 42 |
| Cash dividends to net income (ytd only)* | 69.7856% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,649 |
| Loan loss allowance to noncurrent loans | 782.1936% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 6,619 |
| Noncurrent loans to loans | 0.1428% | 6,247 |
| Net loans and leases to total assets | 37.1869% | 6,471 |
| Net loans and leases to deposits | 42.3202% | 6,581 |
| Net loans and leases to core deposits | 176.6327% | 59 |
| Total domestic deposits to total assets | 78.4964% | 5,966 |
| Equity capital to assets | 9.5107% | 5,196 |
| Core capital (leverage) ratio | 8.4092% | 5,886 |
| Tier 1 risk-based capital ratio | 13.9788% | 4,542 |
| Total risk-based capital ratio | 13.4962% | 5,779 |
| Memoranda: | ||
| Average total assets | $5,560,387,500 | 164 |
| Average earning assets | $5,199,792,000 | 158 |
| Average equity | $519,996,000 | 188 |
| Average total loans | $2,045,259,750 | 241 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4538% | 7,131 |
| Cost of funding earning assets | 0.5638% | 5,195 |
| Net interest margin | 1.8900% | 7,134 |
| Noninterest income to average assets | 0.8491% | 1,969 |
| Noninterest expense to average assets | 1.2440% | 7,127 |
| Loan and lease loss provision to assets | 0.0219% | 5,393 |
| Net operating income to assets | 0.8307% | 3,240 |
| Return on assets (ROA) | 0.8313% | 3,502 |
| Pretax return on assets | 1.3408% | 2,421 |
| Return on Equity (ROE) | 8.9407% | 2,838 |
| Retained earnings to average equity (ytd only) | -0.7753% | 6,173 |
| Net charge-offs to loans | 0.0586% | 4,601 |
| Credit loss provision to net charge-offs | 102.5338% | 2,654 |
| Earnings coverage of net charge-offs (x) | 63.6571% | 607 |
| Efficiency ratio | 47.7410% | 6,794 |
| Assets per employee ($millions) | 34.2139% | 40 |
| Cash dividends to net income (ytd only)* | 108.6720% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,659 |
| Loan loss allowance to noncurrent loans | 3,062.3545% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,807 |
| Noncurrent loans to loans | 0.0368% | 6,590 |
| Net loans and leases to total assets | 35.4672% | 6,641 |
| Net loans and leases to deposits | 39.7930% | 6,736 |
| Net loans and leases to core deposits | 182.3267% | 62 |
| Total domestic deposits to total assets | 72.0811% | 6,798 |
| Equity capital to assets | 8.8677% | 5,846 |
| Core capital (leverage) ratio | 8.0614% | 6,206 |
| Tier 1 risk-based capital ratio | 13.9952% | 4,452 |
| Total risk-based capital ratio | 13.5500% | 5,701 |
| Memoranda: | ||
| Average total assets | $5,534,762,330 | 164 |
| Average earning assets | $5,144,124,000 | 160 |
| Average equity | $514,613,330 | 190 |
| Average total loans | $2,020,345,330 | 247 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4718% | 7,180 |
| Cost of funding earning assets | 0.5547% | 5,469 |
| Net interest margin | 1.9171% | 7,186 |
| Noninterest income to average assets | 0.8964% | 1,759 |
| Noninterest expense to average assets | 1.2399% | 7,197 |
| Loan and lease loss provision to assets | 0.0452% | 4,840 |
| Net operating income to assets | 0.8463% | 3,181 |
| Return on assets (ROA) | 0.8463% | 3,421 |
| Pretax return on assets | 1.3650% | 2,313 |
| Return on Equity (ROE) | 8.8786% | 2,878 |
| Retained earnings to average equity (ytd only) | -10.6331% | 6,860 |
| Net charge-offs to loans | 0.1226% | 3,374 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 31.2290% | 893 |
| Efficiency ratio | 46.7872% | 6,862 |
| Assets per employee ($millions) | 32.9791% | 41 |
| Cash dividends to net income (ytd only)* | 219.7609% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,728 |
| Loan loss allowance to noncurrent loans | 3,240.6849% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 6,892 |
| Noncurrent loans to loans | 0.0353% | 6,675 |
| Net loans and leases to total assets | 36.4165% | 6,598 |
| Net loans and leases to deposits | 41.0688% | 6,702 |
| Net loans and leases to core deposits | 187.7492% | 59 |
| Total domestic deposits to total assets | 72.2327% | 6,865 |
| Equity capital to assets | 9.0569% | 5,411 |
| Core capital (leverage) ratio | 8.2746% | 5,914 |
| Tier 1 risk-based capital ratio | 13.8870% | 4,538 |
| Total risk-based capital ratio | 13.4667% | 5,787 |
| Memoranda: | ||
| Average total assets | $5,376,853,000 | 167 |
| Average earning assets | $4,918,585,500 | 161 |
| Average equity | $512,514,500 | 190 |
| Average total loans | $1,981,164,000 | 243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3265% | 7,272 |
| Cost of funding earning assets | 0.5314% | 6,414 |
| Net interest margin | 1.7951% | 7,258 |
| Noninterest income to average assets | 0.9243% | 1,592 |
| Noninterest expense to average assets | 1.5582% | 7,137 |
| Loan and lease loss provision to assets | 0.0033% | 6,474 |
| Net operating income to assets | 0.6301% | 3,828 |
| Return on assets (ROA) | 0.6702% | 3,822 |
| Pretax return on assets | 1.0666% | 2,971 |
| Return on Equity (ROE) | 6.1431% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.4092% | 4,504 |
| Net charge-offs to loans | -0.0014% | 6,792 |
| Credit loss provision to net charge-offs | -608.0000% | 6,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7354% | 5,644 |
| Assets per employee ($millions) | 30.4571% | 43 |
| Cash dividends to net income (ytd only)* | 60.7825% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 5,188 |
| Loan loss allowance to noncurrent loans | 2,983.2282% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,935 |
| Noncurrent loans to loans | 0.0418% | 6,721 |
| Net loans and leases to total assets | 36.3950% | 6,739 |
| Net loans and leases to deposits | 41.3419% | 6,817 |
| Net loans and leases to core deposits | 185.7823% | 73 |
| Total domestic deposits to total assets | 73.2820% | 6,783 |
| Equity capital to assets | 10.0492% | 4,113 |
| Core capital (leverage) ratio | 9.0137% | 4,761 |
| Tier 1 risk-based capital ratio | 16.3671% | 2,880 |
| Total risk-based capital ratio | 15.9301% | 3,830 |
| Memoranda: | ||
| Average total assets | $4,664,404,800 | 177 |
| Average earning assets | $4,264,417,000 | 173 |
| Average equity | $508,843,200 | 184 |
| Average total loans | $1,820,030,400 | 255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2634% | 7,357 |
| Cost of funding earning assets | 0.5180% | 6,632 |
| Net interest margin | 1.7454% | 7,343 |
| Noninterest income to average assets | 0.9995% | 1,342 |
| Noninterest expense to average assets | 1.6474% | 7,144 |
| Loan and lease loss provision to assets | 0.0045% | 6,362 |
| Net operating income to assets | 0.5753% | 4,194 |
| Return on assets (ROA) | 0.6301% | 4,145 |
| Pretax return on assets | 1.0502% | 3,213 |
| Return on Equity (ROE) | 5.6498% | 4,207 |
| Retained earnings to average equity (ytd only) | 0.6507% | 5,756 |
| Net charge-offs to loans | -0.0017% | 6,665 |
| Credit loss provision to net charge-offs | -669.5652% | 6,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9612% | 5,246 |
| Assets per employee ($millions) | 32.3220% | 46 |
| Cash dividends to net income (ytd only)* | 88.4832% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 5,185 |
| Loan loss allowance to noncurrent loans | 3,076.4629% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 7,029 |
| Noncurrent loans to loans | 0.0410% | 6,840 |
| Net loans and leases to total assets | 34.0891% | 6,948 |
| Net loans and leases to deposits | 38.5033% | 7,020 |
| Net loans and leases to core deposits | 160.6503% | 112 |
| Total domestic deposits to total assets | 74.0235% | 6,757 |
| Equity capital to assets | 9.3542% | 5,298 |
| Core capital (leverage) ratio | 9.1001% | 4,789 |
| Tier 1 risk-based capital ratio | 15.9665% | 3,138 |
| Total risk-based capital ratio | 15.5507% | 4,089 |
| Memoranda: | ||
| Average total assets | $4,543,692,500 | 178 |
| Average earning assets | $4,209,285,500 | 175 |
| Average equity | $506,739,750 | 186 |
| Average total loans | $1,800,788,500 | 255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2442% | 7,434 |
| Cost of funding earning assets | 0.5046% | 6,830 |
| Net interest margin | 1.7396% | 7,417 |
| Noninterest income to average assets | 1.1139% | 1,048 |
| Noninterest expense to average assets | 1.7196% | 7,161 |
| Loan and lease loss provision to assets | 0.0073% | 6,167 |
| Net operating income to assets | 0.6160% | 3,976 |
| Return on assets (ROA) | 0.6973% | 3,673 |
| Pretax return on assets | 1.1621% | 2,631 |
| Return on Equity (ROE) | 5.8502% | 4,039 |
| Retained earnings to average equity (ytd only) | -1.6546% | 6,187 |
| Net charge-offs to loans | -0.0020% | 6,530 |
| Credit loss provision to net charge-offs | -855.5556% | 6,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2578% | 5,551 |
| Assets per employee ($millions) | 28.6210% | 49 |
| Cash dividends to net income (ytd only)* | 128.2830% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 5,239 |
| Loan loss allowance to noncurrent loans | 2,062.2493% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,042 |
| Noncurrent loans to loans | 0.0613% | 6,833 |
| Net loans and leases to total assets | 39.6271% | 6,772 |
| Net loans and leases to deposits | 45.6718% | 6,843 |
| Net loans and leases to core deposits | 134.6845% | 226 |
| Total domestic deposits to total assets | 72.6846% | 6,958 |
| Equity capital to assets | 10.8610% | 3,115 |
| Core capital (leverage) ratio | 10.4384% | 2,774 |
| Tier 1 risk-based capital ratio | 19.4089% | 1,735 |
| Total risk-based capital ratio | 18.9307% | 2,241 |
| Memoranda: | ||
| Average total assets | $4,248,226,330 | 193 |
| Average earning assets | $4,024,920,670 | 185 |
| Average equity | $506,339,000 | 190 |
| Average total loans | $1,776,143,000 | 261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3225% | 7,495 |
| Cost of funding earning assets | 0.5389% | 6,836 |
| Net interest margin | 1.7835% | 7,455 |
| Noninterest income to average assets | 1.2097% | 870 |
| Noninterest expense to average assets | 1.8015% | 7,140 |
| Loan and lease loss provision to assets | -0.0363% | 7,462 |
| Net operating income to assets | 0.6779% | 3,621 |
| Return on assets (ROA) | 0.6779% | 3,687 |
| Pretax return on assets | 1.1298% | 2,645 |
| Return on Equity (ROE) | 5.4101% | 4,195 |
| Retained earnings to average equity (ytd only) | -9.6048% | 6,847 |
| Net charge-offs to loans | -0.0007% | 6,165 |
| Credit loss provision to net charge-offs | 12,233.3333% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2294% | 5,646 |
| Assets per employee ($millions) | 23.6234% | 57 |
| Cash dividends to net income (ytd only)* | 277.5343% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 5,054 |
| Loan loss allowance to noncurrent loans | 2,078.8669% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 7,103 |
| Noncurrent loans to loans | 0.0633% | 6,889 |
| Net loans and leases to total assets | 43.9432% | 6,475 |
| Net loans and leases to deposits | 52.8144% | 6,411 |
| Net loans and leases to core deposits | 171.2342% | 107 |
| Total domestic deposits to total assets | 67.7304% | 7,271 |
| Equity capital to assets | 12.6727% | 1,538 |
| Core capital (leverage) ratio | 10.9095% | 2,257 |
| Tier 1 risk-based capital ratio | 20.2220% | 1,538 |
| Total risk-based capital ratio | 19.7416% | 1,916 |
| Memoranda: | ||
| Average total assets | $4,039,730,000 | 197 |
| Average earning assets | $3,817,141,000 | 189 |
| Average equity | $506,164,500 | 189 |
| Average total loans | $1,728,042,000 | 269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2621% | 7,551 |
| Cost of funding earning assets | 0.4888% | 7,311 |
| Net interest margin | 1.7733% | 7,506 |
| Noninterest income to average assets | 1.1300% | 1,154 |
| Noninterest expense to average assets | 1.7730% | 7,289 |
| Loan and lease loss provision to assets | 0.0985% | 6,159 |
| Net operating income to assets | 0.5794% | 3,760 |
| Return on assets (ROA) | 0.6989% | 3,361 |
| Pretax return on assets | 1.0886% | 2,617 |
| Return on Equity (ROE) | 5.3170% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.3170% | 2,237 |
| Net charge-offs to loans | 0.0084% | 6,756 |
| Credit loss provision to net charge-offs | 2,925.7813% | 80 |
| Earnings coverage of net charge-offs (x) | 297.2344% | 76 |
| Efficiency ratio | 63.9292% | 5,367 |
| Assets per employee ($millions) | 26.1667% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,605 |
| Loan loss allowance to noncurrent loans | 2,043.6031% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 7,174 |
| Noncurrent loans to loans | 0.0676% | 6,955 |
| Net loans and leases to total assets | 40.5355% | 6,934 |
| Net loans and leases to deposits | 47.3122% | 6,984 |
| Net loans and leases to core deposits | 158.3747% | 149 |
| Total domestic deposits to total assets | 64.9972% | 7,417 |
| Equity capital to assets | 12.3932% | 1,699 |
| Core capital (leverage) ratio | 12.2043% | 1,426 |
| Tier 1 risk-based capital ratio | 23.7559% | 954 |
| Total risk-based capital ratio | 23.2797% | 1,139 |
| Memoranda: | ||
| Average total assets | $3,803,110,200 | 210 |
| Average earning assets | $3,524,608,400 | 200 |
| Average equity | $499,883,400 | 186 |
| Average total loans | $1,527,610,400 | 310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3301% | 7,676 |
| Cost of funding earning assets | 0.5012% | 7,446 |
| Net interest margin | 1.8289% | 7,623 |
| Noninterest income to average assets | 1.1586% | 1,043 |
| Noninterest expense to average assets | 1.7387% | 7,400 |
| Loan and lease loss provision to assets | 0.1435% | 5,599 |
| Net operating income to assets | 0.5634% | 4,039 |
| Return on assets (ROA) | 0.7262% | 3,448 |
| Pretax return on assets | 1.2103% | 2,453 |
| Return on Equity (ROE) | 5.4383% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.4383% | 2,686 |
| Net charge-offs to loans | 0.0117% | 6,504 |
| Credit loss provision to net charge-offs | 3,080.7692% | 94 |
| Earnings coverage of net charge-offs (x) | 235.9755% | 139 |
| Efficiency ratio | 61.2625% | 5,741 |
| Assets per employee ($millions) | 22.6172% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.9949% | 7,027 |
| Net loans and leases to deposits | 49.4470% | 7,025 |
| Net loans and leases to core deposits | 146.4444% | 208 |
| Total domestic deposits to total assets | 61.9230% | 7,562 |
| Equity capital to assets | 13.3536% | 1,421 |
| Core capital (leverage) ratio | 12.2756% | 1,521 |
| Tier 1 risk-based capital ratio | 25.5090% | 817 |
| Total risk-based capital ratio | 24.9617% | 957 |
| Memoranda: | ||
| Average total assets | $3,720,301,250 | 210 |
| Average earning assets | $3,416,504,250 | 202 |
| Average equity | $496,760,000 | 186 |
| Average total loans | $1,484,673,250 | 319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3914% | 7,753 |
| Cost of funding earning assets | 0.5210% | 7,515 |
| Net interest margin | 1.8703% | 7,683 |
| Noninterest income to average assets | 1.0433% | 1,239 |
| Noninterest expense to average assets | 1.7498% | 7,459 |
| Loan and lease loss provision to assets | 0.2168% | 4,719 |
| Net operating income to assets | 0.4655% | 4,486 |
| Return on assets (ROA) | 0.4745% | 4,597 |
| Pretax return on assets | 0.7908% | 3,911 |
| Return on Equity (ROE) | 3.5534% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.5534% | 3,843 |
| Net charge-offs to loans | 0.0406% | 5,803 |
| Credit loss provision to net charge-offs | 1,357.6271% | 291 |
| Earnings coverage of net charge-offs (x) | 62.2068% | 499 |
| Efficiency ratio | 63.7826% | 5,373 |
| Assets per employee ($millions) | 23.2580% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 3,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.3262% | 7,253 |
| Net loans and leases to deposits | 45.3885% | 7,276 |
| Net loans and leases to core deposits | 150.1002% | 213 |
| Total domestic deposits to total assets | 58.4526% | 7,677 |
| Equity capital to assets | 13.1252% | 1,517 |
| Core capital (leverage) ratio | 12.5976% | 1,366 |
| Tier 1 risk-based capital ratio | 25.5726% | 804 |
| Total risk-based capital ratio | 25.0587% | 942 |
| Memoranda: | ||
| Average total assets | $3,693,838,670 | 210 |
| Average earning assets | $3,357,674,670 | 203 |
| Average equity | $493,215,000 | 185 |
| Average total loans | $1,452,425,000 | 326 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4821% | 7,854 |
| Cost of funding earning assets | 0.5367% | 7,619 |
| Net interest margin | 1.9454% | 7,738 |
| Noninterest income to average assets | 1.0070% | 1,281 |
| Noninterest expense to average assets | 1.7360% | 7,540 |
| Loan and lease loss provision to assets | 0.0923% | 5,710 |
| Net operating income to assets | 0.6114% | 3,847 |
| Return on assets (ROA) | 0.6114% | 3,994 |
| Pretax return on assets | 1.0191% | 3,016 |
| Return on Equity (ROE) | 4.5390% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.5390% | 3,431 |
| Net charge-offs to loans | 0.0825% | 4,599 |
| Credit loss provision to net charge-offs | 283.1650% | 1,392 |
| Earnings coverage of net charge-offs (x) | 34.1010% | 795 |
| Efficiency ratio | 60.9681% | 6,010 |
| Assets per employee ($millions) | 22.5822% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.9766% | 7,186 |
| Net loans and leases to deposits | 48.6436% | 7,202 |
| Net loans and leases to core deposits | 144.1870% | 287 |
| Total domestic deposits to total assets | 52.3036% | 7,821 |
| Equity capital to assets | 14.0400% | 1,129 |
| Core capital (leverage) ratio | 12.3728% | 1,461 |
| Tier 1 risk-based capital ratio | 27.5548% | 669 |
| Total risk-based capital ratio | 26.9294% | 783 |
| Memoranda: | ||
| Average total assets | $3,645,235,000 | 219 |
| Average earning assets | $3,448,423,000 | 206 |
| Average equity | $491,032,000 | 186 |
| Average total loans | $1,440,369,000 | 342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2755% | 7,916 |
| Cost of funding earning assets | 0.5805% | 7,784 |
| Net interest margin | 1.6951% | 7,834 |
| Noninterest income to average assets | 0.8081% | 2,368 |
| Noninterest expense to average assets | 1.6501% | 7,740 |
| Loan and lease loss provision to assets | 0.0177% | 7,325 |
| Net operating income to assets | 0.4158% | 4,066 |
| Return on assets (ROA) | 0.5101% | 3,778 |
| Pretax return on assets | 0.8286% | 3,158 |
| Return on Equity (ROE) | 4.7565% | 3,772 |
| Retained earnings to average equity (ytd only) | -4.3203% | 5,917 |
| Net charge-offs to loans | 0.0016% | 7,232 |
| Credit loss provision to net charge-offs | 3,466.6667% | 100 |
| Earnings coverage of net charge-offs (x) | 1,368.0000% | 15 |
| Efficiency ratio | 70.2427% | 4,573 |
| Assets per employee ($millions) | 24.6251% | 60 |
| Cash dividends to net income (ytd only)* | 190.8306% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 4,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 37.0771% | 7,479 |
| Net loans and leases to deposits | 44.0575% | 7,514 |
| Net loans and leases to core deposits | 115.9766% | 2,319 |
| Total domestic deposits to total assets | 47.7041% | 7,920 |
| Equity capital to assets | 12.9381% | 1,531 |
| Core capital (leverage) ratio | 12.1661% | 1,595 |
| Tier 1 risk-based capital ratio | 28.9674% | 580 |
| Total risk-based capital ratio | 28.2654% | 686 |
| Memoranda: | ||
| Average total assets | $4,109,538,600 | 204 |
| Average earning assets | $3,736,302,000 | 199 |
| Average equity | $440,684,800 | 198 |
| Average total loans | $1,299,912,800 | 376 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2065% | 8,024 |
| Cost of funding earning assets | 0.5847% | 7,895 |
| Net interest margin | 1.6218% | 7,923 |
| Noninterest income to average assets | 0.8209% | 2,331 |
| Noninterest expense to average assets | 1.5887% | 7,840 |
| Loan and lease loss provision to assets | 0.0212% | 7,144 |
| Net operating income to assets | 0.3951% | 4,416 |
| Return on assets (ROA) | 0.5178% | 4,003 |
| Pretax return on assets | 0.8630% | 3,347 |
| Return on Equity (ROE) | 5.0635% | 3,938 |
| Retained earnings to average equity (ytd only) | -7.3684% | 6,543 |
| Net charge-offs to loans | 0.0709% | 5,982 |
| Credit loss provision to net charge-offs | 98.5207% | 5,196 |
| Earnings coverage of net charge-offs (x) | 32.2293% | 882 |
| Efficiency ratio | 69.6450% | 4,662 |
| Assets per employee ($millions) | 23.4121% | 66 |
| Cash dividends to net income (ytd only)* | 245.5193% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 3,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.4898% | 7,635 |
| Net loans and leases to deposits | 46.1008% | 7,564 |
| Net loans and leases to core deposits | 123.3364% | 1,962 |
| Total domestic deposits to total assets | 43.7450% | 8,008 |
| Equity capital to assets | 13.7363% | 1,405 |
| Core capital (leverage) ratio | 14.1960% | 1,045 |
| Tier 1 risk-based capital ratio | 27.5576% | 704 |
| Total risk-based capital ratio | 26.9343% | 823 |
| Memoranda: | ||
| Average total assets | $4,195,013,250 | 210 |
| Average earning assets | $3,777,295,500 | 207 |
| Average equity | $428,991,000 | 207 |
| Average total loans | $1,270,692,250 | 402 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0655% | 8,121 |
| Cost of funding earning assets | 0.6203% | 7,974 |
| Net interest margin | 1.4452% | 8,028 |
| Noninterest income to average assets | 0.4138% | 5,170 |
| Noninterest expense to average assets | 1.3379% | 8,046 |
| Loan and lease loss provision to assets | -0.0224% | 8,148 |
| Net operating income to assets | 0.2318% | 5,154 |
| Return on assets (ROA) | 0.3867% | 4,664 |
| Pretax return on assets | 0.6445% | 4,177 |
| Return on Equity (ROE) | 4.1592% | 4,428 |
| Retained earnings to average equity (ytd only) | -15.2966% | 7,255 |
| Net charge-offs to loans | 0.1080% | 5,079 |
| Credit loss provision to net charge-offs | -72.0524% | 6,932 |
| Earnings coverage of net charge-offs (x) | 12.2344% | 1,836 |
| Efficiency ratio | 77.8763% | 3,369 |
| Assets per employee ($millions) | 20.0429% | 76 |
| Cash dividends to net income (ytd only)* | 467.7815% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 41.0018% | 7,505 |
| Net loans and leases to deposits | 48.8634% | 7,530 |
| Net loans and leases to core deposits | 135.4154% | 1,245 |
| Total domestic deposits to total assets | 50.7455% | 8,054 |
| Equity capital to assets | 13.9904% | 1,313 |
| Core capital (leverage) ratio | 9.1037% | 4,457 |
| Tier 1 risk-based capital ratio | 30.3328% | 586 |
| Total risk-based capital ratio | 31.5849% | 569 |
| Memoranda: | ||
| Average total assets | $4,422,745,670 | 203 |
| Average earning assets | $3,991,346,330 | 201 |
| Average equity | $411,189,670 | 216 |
| Average total loans | $1,272,429,670 | 417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7812% | 8,192 |
| Cost of funding earning assets | 0.6572% | 8,016 |
| Net interest margin | 1.1241% | 8,145 |
| Noninterest income to average assets | 0.3816% | 5,369 |
| Noninterest expense to average assets | 1.1358% | 8,134 |
| Loan and lease loss provision to assets | -0.0380% | 8,187 |
| Net operating income to assets | 0.1679% | 5,763 |
| Return on assets (ROA) | 0.2250% | 5,739 |
| Pretax return on assets | 0.3750% | 5,464 |
| Return on Equity (ROE) | 2.8275% | 5,437 |
| Retained earnings to average equity (ytd only) | -36.1318% | 7,924 |
| Net charge-offs to loans | 0.0139% | 5,399 |
| Credit loss provision to net charge-offs | -1,088.8889% | 6,539 |
| Earnings coverage of net charge-offs (x) | 71.0444% | 568 |
| Efficiency ratio | 82.0916% | 2,518 |
| Assets per employee ($millions) | 35.6831% | 50 |
| Cash dividends to net income (ytd only)* | 1,377.8849% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 2,722 |
| Loan loss allowance to noncurrent loans | 3,839.1753% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 7,618 |
| Noncurrent loans to loans | 0.0404% | 7,429 |
| Net loans and leases to total assets | 20.4518% | 8,078 |
| Net loans and leases to deposits | 22.2582% | 8,122 |
| Net loans and leases to core deposits | 104.6107% | 4,072 |
| Total domestic deposits to total assets | 38.7964% | 8,146 |
| Equity capital to assets | 6.7924% | 7,767 |
| Core capital (leverage) ratio | 6.0341% | 7,995 |
| Tier 1 risk-based capital ratio | 35.6308% | 418 |
| Total risk-based capital ratio | 36.8876% | 408 |
| Memoranda: | ||
| Average total assets | $5,160,968,500 | 182 |
| Average earning assets | $4,600,410,000 | 182 |
| Average equity | $410,685,500 | 214 |
| Average total loans | $1,295,640,500 | 412 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 8,084 |
| Cost of funding earning assets | 2.1803% | 5,679 |
| Net interest margin | 1.9742% | 8,078 |
| Noninterest income to average assets | 0.4559% | 4,998 |
| Noninterest expense to average assets | 1.8381% | 7,705 |
| Loan and lease loss provision to assets | 0.0350% | 6,969 |
| Net operating income to assets | 0.2683% | 5,652 |
| Return on assets (ROA) | 0.2653% | 5,486 |
| Pretax return on assets | 0.3847% | 5,306 |
| Return on Equity (ROE) | 2.3344% | 5,488 |
| Retained earnings to average equity (ytd only) | -10.2408% | 7,092 |
| Net charge-offs to loans | 0.0085% | 6,814 |
| Credit loss provision to net charge-offs | 1,021.5827% | 432 |
| Earnings coverage of net charge-offs (x) | 123.8633% | 363 |
| Efficiency ratio | 81.2502% | 2,402 |
| Assets per employee ($millions) | 27.1933% | 59 |
| Cash dividends to net income (ytd only)* | 538.6830% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 3,321 |
| Loan loss allowance to noncurrent loans | 3,192.5000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,560 |
| Noncurrent loans to loans | 0.0432% | 7,332 |
| Net loans and leases to total assets | 30.1953% | 7,984 |
| Net loans and leases to deposits | 34.0677% | 8,059 |
| Net loans and leases to core deposits | 152.8476% | 753 |
| Total domestic deposits to total assets | 53.3283% | 8,094 |
| Equity capital to assets | 9.4406% | 4,769 |
| Core capital (leverage) ratio | 7.8392% | 6,738 |
| Tier 1 risk-based capital ratio | 31.0244% | 588 |
| Total risk-based capital ratio | 32.2767% | 579 |
| Memoranda: | ||
| Average total assets | $4,059,078,400 | 207 |
| Average earning assets | $3,713,859,600 | 205 |
| Average equity | $461,224,800 | 201 |
| Average total loans | $1,637,276,400 | 326 |