Home > United Community Bank > Performance and Condition Ratios
United Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 1,526 |
| Cost of funding earning assets | 1.7414% | 1,372 |
| Net interest margin | 3.5382% | 2,094 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.1460% | 3,271 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.9298% | 2,450 |
| Return on assets (ROA) | 0.7655% | 2,969 |
| Pretax return on assets | 0.9557% | 2,794 |
| Return on Equity (ROE) | 6.6700% | 3,373 |
| Retained earnings to average equity (ytd only) | 0.0315% | 4,036 |
| Net charge-offs to loans | 0.3020% | 358 |
| Credit loss provision to net charge-offs | 180.9525% | 1,305 |
| Earnings coverage of net charge-offs (x) | 7.4844% | 2,404 |
| Efficiency ratio | 57.2254% | 3,376 |
| Assets per employee ($millions) | 8.8303% | 1,046 |
| Cash dividends to net income (ytd only)* | 99.5288% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 2,631 |
| Loan loss allowance to noncurrent loans | 226.9362% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 1,585 |
| Noncurrent loans to loans | 0.4996% | 1,539 |
| Net loans and leases to total assets | 66.6000% | 2,188 |
| Net loans and leases to deposits | 76.4257% | 2,411 |
| Net loans and leases to core deposits | 80.9071% | 2,659 |
| Total domestic deposits to total assets | 87.1500% | 1,629 |
| Equity capital to assets | 11.5482% | 1,270 |
| Core capital (leverage) ratio | 9.1702% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2341% | 2,162 |
| Memoranda: | ||
| Average total assets | $25,974,588,200 | 81 |
| Average earning assets | $23,415,357,400 | 79 |
| Average equity | $2,979,118,000 | 70 |
| Average total loans | $17,301,390,000 | 73 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 1,502 |
| Cost of funding earning assets | 1.5866% | 1,395 |
| Net interest margin | 3.5903% | 2,032 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.1042% | 3,348 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 0.9542% | 2,502 |
| Return on assets (ROA) | 0.9475% | 2,510 |
| Pretax return on assets | 1.2136% | 2,265 |
| Return on Equity (ROE) | 8.2800% | 3,112 |
| Retained earnings to average equity (ytd only) | 1.0500% | 3,941 |
| Net charge-offs to loans | 0.3296% | 272 |
| Credit loss provision to net charge-offs | 184.9478% | 1,173 |
| Earnings coverage of net charge-offs (x) | 7.3598% | 2,238 |
| Efficiency ratio | 55.1373% | 3,475 |
| Assets per employee ($millions) | 8.6060% | 1,079 |
| Cash dividends to net income (ytd only)* | 87.3133% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 2,843 |
| Loan loss allowance to noncurrent loans | 224.4010% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 1,651 |
| Noncurrent loans to loans | 0.4924% | 1,588 |
| Net loans and leases to total assets | 67.3100% | 2,126 |
| Net loans and leases to deposits | 77.4799% | 2,290 |
| Net loans and leases to core deposits | 82.2228% | 2,450 |
| Total domestic deposits to total assets | 86.8700% | 1,929 |
| Equity capital to assets | 11.4625% | 1,192 |
| Core capital (leverage) ratio | 9.4314% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2456% | 2,185 |
| Memoranda: | ||
| Average total assets | $25,657,883,500 | 82 |
| Average earning assets | $23,118,811,750 | 80 |
| Average equity | $2,937,422,750 | 71 |
| Average total loans | $17,038,796,750 | 76 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 1,470 |
| Cost of funding earning assets | 1.3819% | 1,498 |
| Net interest margin | 3.6660% | 1,887 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.0880% | 3,382 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 1.0441% | 2,274 |
| Return on assets (ROA) | 1.0339% | 2,302 |
| Pretax return on assets | 1.3346% | 1,978 |
| Return on Equity (ROE) | 9.0300% | 2,981 |
| Retained earnings to average equity (ytd only) | 1.4083% | 3,843 |
| Net charge-offs to loans | 0.1861% | 427 |
| Credit loss provision to net charge-offs | 285.0029% | 886 |
| Earnings coverage of net charge-offs (x) | 13.8770% | 1,895 |
| Efficiency ratio | 53.7219% | 3,636 |
| Assets per employee ($millions) | 8.6102% | 1,041 |
| Cash dividends to net income (ytd only)* | 84.4124% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,978 |
| Loan loss allowance to noncurrent loans | 185.8397% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 1,322 |
| Noncurrent loans to loans | 0.5890% | 1,275 |
| Net loans and leases to total assets | 66.1100% | 2,147 |
| Net loans and leases to deposits | 76.0707% | 2,308 |
| Net loans and leases to core deposits | 81.9386% | 2,339 |
| Total domestic deposits to total assets | 86.9100% | 1,955 |
| Equity capital to assets | 11.5482% | 1,191 |
| Core capital (leverage) ratio | 9.5564% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3926% | 2,136 |
| Memoranda: | ||
| Average total assets | $25,277,500,000 | 81 |
| Average earning assets | $22,774,078,667 | 79 |
| Average equity | $2,892,620,667 | 71 |
| Average total loans | $16,638,423,333 | 74 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,281 |
| Cost of funding earning assets | 1.1544% | 1,578 |
| Net interest margin | 3.8184% | 1,650 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.1680% | 3,194 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 1.0738% | 2,308 |
| Return on assets (ROA) | 1.0529% | 2,337 |
| Pretax return on assets | 1.3580% | 1,993 |
| Return on Equity (ROE) | 9.2500% | 2,984 |
| Retained earnings to average equity (ytd only) | 0.6075% | 3,925 |
| Net charge-offs to loans | 0.1744% | 413 |
| Credit loss provision to net charge-offs | 304.3055% | 686 |
| Earnings coverage of net charge-offs (x) | 15.2333% | 1,550 |
| Efficiency ratio | 54.1515% | 3,588 |
| Assets per employee ($millions) | 8.5707% | 1,105 |
| Cash dividends to net income (ytd only)* | 93.4294% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,388 |
| Loan loss allowance to noncurrent loans | 242.4684% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 1,710 |
| Noncurrent loans to loans | 0.4247% | 1,666 |
| Net loans and leases to total assets | 65.7300% | 2,087 |
| Net loans and leases to deposits | 75.8227% | 2,137 |
| Net loans and leases to core deposits | 80.3765% | 2,230 |
| Total domestic deposits to total assets | 86.6900% | 2,373 |
| Equity capital to assets | 11.6451% | 1,107 |
| Core capital (leverage) ratio | 9.5434% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3369% | 2,250 |
| Memoranda: | ||
| Average total assets | $24,884,753,000 | 85 |
| Average earning assets | $22,460,743,500 | 83 |
| Average equity | $2,834,025,500 | 75 |
| Average total loans | $16,246,660,500 | 81 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 2,258 |
| Cost of funding earning assets | 0.2088% | 3,686 |
| Net interest margin | 3.5974% | 1,652 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.9505% | 3,714 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.2649% | 1,549 |
| Return on assets (ROA) | 1.2518% | 1,544 |
| Pretax return on assets | 1.5999% | 1,170 |
| Return on Equity (ROE) | 11.4200% | 2,333 |
| Retained earnings to average equity (ytd only) | 6.5286% | 2,439 |
| Net charge-offs to loans | 0.0680% | 967 |
| Credit loss provision to net charge-offs | 556.6812% | 636 |
| Earnings coverage of net charge-offs (x) | 45.7858% | 1,423 |
| Efficiency ratio | 50.0879% | 4,123 |
| Assets per employee ($millions) | 8.5552% | 1,067 |
| Cash dividends to net income (ytd only)* | 42.8266% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,162 |
| Loan loss allowance to noncurrent loans | 360.1695% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,210 |
| Noncurrent loans to loans | 0.2883% | 2,113 |
| Net loans and leases to total assets | 63.4100% | 2,292 |
| Net loans and leases to deposits | 75.1176% | 2,165 |
| Net loans and leases to core deposits | 77.2903% | 2,328 |
| Total domestic deposits to total assets | 84.4100% | 3,126 |
| Equity capital to assets | 11.1122% | 1,214 |
| Core capital (leverage) ratio | 9.6857% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6999% | 2,090 |
| Memoranda: | ||
| Average total assets | $23,391,253,800 | 89 |
| Average earning assets | $21,356,991,600 | 89 |
| Average equity | $2,564,248,400 | 86 |
| Average total loans | $14,206,087,400 | 91 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5875% | 2,382 |
| Cost of funding earning assets | 0.1103% | 4,196 |
| Net interest margin | 3.4772% | 1,731 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.9663% | 3,568 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.2273% | 1,598 |
| Return on assets (ROA) | 1.2106% | 1,633 |
| Pretax return on assets | 1.5331% | 1,314 |
| Return on Equity (ROE) | 11.0800% | 2,350 |
| Retained earnings to average equity (ytd only) | 7.8694% | 2,051 |
| Net charge-offs to loans | 0.0291% | 1,247 |
| Credit loss provision to net charge-offs | 1,192.1130% | 366 |
| Earnings coverage of net charge-offs (x) | 103.5550% | 934 |
| Efficiency ratio | 51.3758% | 4,052 |
| Assets per employee ($millions) | 8.4867% | 1,071 |
| Cash dividends to net income (ytd only)* | 28.9902% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,503 |
| Loan loss allowance to noncurrent loans | 433.9499% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 2,465 |
| Noncurrent loans to loans | 0.2296% | 2,473 |
| Net loans and leases to total assets | 62.4300% | 2,240 |
| Net loans and leases to deposits | 71.5315% | 2,244 |
| Net loans and leases to core deposits | 73.2336% | 2,409 |
| Total domestic deposits to total assets | 87.2800% | 2,672 |
| Equity capital to assets | 11.1541% | 1,127 |
| Core capital (leverage) ratio | 9.5850% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7500% | 2,151 |
| Memoranda: | ||
| Average total assets | $23,250,410,500 | 91 |
| Average earning assets | $21,267,251,000 | 90 |
| Average equity | $2,539,839,500 | 89 |
| Average total loans | $13,920,552,500 | 92 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 2,490 |
| Cost of funding earning assets | 0.0707% | 4,455 |
| Net interest margin | 3.3101% | 1,879 |
| Noninterest income to average assets | 0.6213% | 1,647 |
| Noninterest expense to average assets | 2.0129% | 3,399 |
| Loan and lease loss provision to assets | 0.2482% | 294 |
| Net operating income to assets | 1.1105% | 1,733 |
| Return on assets (ROA) | 1.0853% | 1,811 |
| Pretax return on assets | 1.3657% | 1,533 |
| Return on Equity (ROE) | 10.0072% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.0771% | 1,591 |
| Net charge-offs to loans | 0.0281% | 1,161 |
| Credit loss provision to net charge-offs | 1,235.0629% | 351 |
| Earnings coverage of net charge-offs (x) | 99.7233% | 817 |
| Efficiency ratio | 54.2421% | 3,943 |
| Assets per employee ($millions) | 8.6886% | 988 |
| Cash dividends to net income (ytd only)* | 19.2869% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,838 |
| Loan loss allowance to noncurrent loans | 409.1833% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,704 |
| Noncurrent loans to loans | 0.2295% | 2,574 |
| Net loans and leases to total assets | 59.8026% | 2,343 |
| Net loans and leases to deposits | 68.2267% | 2,373 |
| Net loans and leases to core deposits | 69.8613% | 2,500 |
| Total domestic deposits to total assets | 87.6529% | 2,711 |
| Equity capital to assets | 11.0294% | 1,200 |
| Core capital (leverage) ratio | 9.2468% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6208% | 2,240 |
| Memoranda: | ||
| Average total assets | $23,122,023,000 | 90 |
| Average earning assets | $21,216,928,667 | 89 |
| Average equity | $2,507,672,333 | 90 |
| Average total loans | $13,592,586,333 | 92 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2686% | 2,478 |
| Cost of funding earning assets | 0.0606% | 4,523 |
| Net interest margin | 3.2080% | 1,861 |
| Noninterest income to average assets | 0.7222% | 1,243 |
| Noninterest expense to average assets | 2.0457% | 3,313 |
| Loan and lease loss provision to assets | 0.4085% | 129 |
| Net operating income to assets | 0.9619% | 2,029 |
| Return on assets (ROA) | 0.9097% | 2,241 |
| Pretax return on assets | 1.1612% | 1,948 |
| Return on Equity (ROE) | 8.4646% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.4646% | 1,440 |
| Net charge-offs to loans | 0.0910% | 559 |
| Credit loss provision to net charge-offs | 688.6203% | 429 |
| Earnings coverage of net charge-offs (x) | 31.0326% | 1,111 |
| Efficiency ratio | 54.7659% | 3,998 |
| Assets per employee ($millions) | 8.5252% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 3,981 |
| Loan loss allowance to noncurrent loans | 332.1786% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,604 |
| Noncurrent loans to loans | 0.2778% | 2,477 |
| Net loans and leases to total assets | 58.6435% | 2,224 |
| Net loans and leases to deposits | 66.7888% | 2,266 |
| Net loans and leases to core deposits | 68.4707% | 2,416 |
| Total domestic deposits to total assets | 87.8044% | 2,622 |
| Equity capital to assets | 11.1387% | 1,272 |
| Core capital (leverage) ratio | 9.0940% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4800% | 2,418 |
| Memoranda: | ||
| Average total assets | $22,605,824,500 | 94 |
| Average earning assets | $20,853,453,000 | 93 |
| Average equity | $2,429,467,500 | 99 |
| Average total loans | $13,097,925,500 | 96 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2511% | 3,340 |
| Cost of funding earning assets | 0.0890% | 4,466 |
| Net interest margin | 3.1621% | 2,701 |
| Noninterest income to average assets | 0.8024% | 1,437 |
| Noninterest expense to average assets | 2.0306% | 3,581 |
| Loan and lease loss provision to assets | -0.1966% | 4,693 |
| Net operating income to assets | 1.4559% | 1,119 |
| Return on assets (ROA) | 1.4562% | 1,188 |
| Pretax return on assets | 1.9007% | 723 |
| Return on Equity (ROE) | 13.4479% | 1,331 |
| Retained earnings to average equity (ytd only) | 2.9543% | 3,645 |
| Net charge-offs to loans | 0.0003% | 2,695 |
| Credit loss provision to net charge-offs | -99,957.8947% | 4,300 |
| Earnings coverage of net charge-offs (x) | 8,561.5000% | 8 |
| Efficiency ratio | 53.8454% | 3,947 |
| Assets per employee ($millions) | 8.3158% | 1,161 |
| Cash dividends to net income (ytd only)* | 78.0317% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 4,140 |
| Loan loss allowance to noncurrent loans | 312.4832% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,802 |
| Noncurrent loans to loans | 0.2780% | 2,609 |
| Net loans and leases to total assets | 55.9964% | 2,612 |
| Net loans and leases to deposits | 63.0862% | 2,777 |
| Net loans and leases to core deposits | 64.6404% | 2,930 |
| Total domestic deposits to total assets | 88.7616% | 1,637 |
| Equity capital to assets | 10.2915% | 2,384 |
| Core capital (leverage) ratio | 8.5318% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4568% | 2,471 |
| Memoranda: | ||
| Average total assets | $19,096,520,000 | 105 |
| Average earning assets | $17,705,790,400 | 103 |
| Average equity | $2,067,922,600 | 109 |
| Average total loans | $11,574,525,400 | 105 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3404% | 3,278 |
| Cost of funding earning assets | 0.0993% | 4,511 |
| Net interest margin | 3.2411% | 2,605 |
| Noninterest income to average assets | 0.8429% | 1,404 |
| Noninterest expense to average assets | 2.0011% | 3,667 |
| Loan and lease loss provision to assets | -0.2639% | 4,809 |
| Net operating income to assets | 1.6094% | 1,014 |
| Return on assets (ROA) | 1.6097% | 1,054 |
| Pretax return on assets | 2.1076% | 662 |
| Return on Equity (ROE) | 14.6610% | 1,207 |
| Retained earnings to average equity (ytd only) | 8.8647% | 1,751 |
| Net charge-offs to loans | -0.0024% | 3,259 |
| Credit loss provision to net charge-offs | 17,990.4306% | 40 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5277% | 4,070 |
| Assets per employee ($millions) | 7.9731% | 1,279 |
| Cash dividends to net income (ytd only)* | 39.5355% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 4,190 |
| Loan loss allowance to noncurrent loans | 221.7523% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 2,566 |
| Noncurrent loans to loans | 0.3990% | 2,365 |
| Net loans and leases to total assets | 57.4110% | 2,573 |
| Net loans and leases to deposits | 65.2928% | 2,697 |
| Net loans and leases to core deposits | 67.0058% | 2,859 |
| Total domestic deposits to total assets | 87.9286% | 1,888 |
| Equity capital to assets | 10.9188% | 2,074 |
| Core capital (leverage) ratio | 9.3118% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2427% | 2,281 |
| Memoranda: | ||
| Average total assets | $18,646,238,750 | 107 |
| Average earning assets | $17,268,240,500 | 105 |
| Average equity | $2,047,232,500 | 111 |
| Average total loans | $11,517,043,000 | 106 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 3,283 |
| Cost of funding earning assets | 0.1119% | 4,493 |
| Net interest margin | 3.2501% | 2,609 |
| Noninterest income to average assets | 0.8658% | 1,365 |
| Noninterest expense to average assets | 2.0386% | 3,582 |
| Loan and lease loss provision to assets | -0.2815% | 4,826 |
| Net operating income to assets | 1.6071% | 1,035 |
| Return on assets (ROA) | 1.6075% | 1,093 |
| Pretax return on assets | 2.1150% | 667 |
| Return on Equity (ROE) | 14.6125% | 1,258 |
| Retained earnings to average equity (ytd only) | 5.8100% | 2,886 |
| Net charge-offs to loans | -0.0131% | 3,795 |
| Credit loss provision to net charge-offs | 3,432.4147% | 190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1167% | 4,034 |
| Assets per employee ($millions) | 7.7514% | 1,326 |
| Cash dividends to net income (ytd only)* | 60.2393% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,921 |
| Loan loss allowance to noncurrent loans | 242.0069% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 2,707 |
| Noncurrent loans to loans | 0.4014% | 2,472 |
| Net loans and leases to total assets | 60.3027% | 2,390 |
| Net loans and leases to deposits | 68.5682% | 2,561 |
| Net loans and leases to core deposits | 70.4805% | 2,734 |
| Total domestic deposits to total assets | 87.9456% | 1,857 |
| Equity capital to assets | 10.9144% | 2,053 |
| Core capital (leverage) ratio | 9.1574% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0291% | 2,357 |
| Memoranda: | ||
| Average total assets | $18,382,151,667 | 107 |
| Average earning assets | $17,001,141,667 | 106 |
| Average equity | $2,022,159,000 | 111 |
| Average total loans | $11,602,903,667 | 105 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 3,291 |
| Cost of funding earning assets | 0.1332% | 4,433 |
| Net interest margin | 3.2340% | 2,591 |
| Noninterest income to average assets | 0.9732% | 1,181 |
| Noninterest expense to average assets | 2.0429% | 3,578 |
| Loan and lease loss provision to assets | -0.2708% | 4,848 |
| Net operating income to assets | 1.6710% | 986 |
| Return on assets (ROA) | 1.6710% | 1,035 |
| Pretax return on assets | 2.1870% | 707 |
| Return on Equity (ROE) | 15.1285% | 1,184 |
| Retained earnings to average equity (ytd only) | -2.6392% | 4,580 |
| Net charge-offs to loans | -0.0105% | 3,681 |
| Credit loss provision to net charge-offs | 3,425.9016% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0524% | 4,088 |
| Assets per employee ($millions) | 7.7428% | 1,319 |
| Cash dividends to net income (ytd only)* | 117.4452% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,565 |
| Loan loss allowance to noncurrent loans | 226.9517% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 2,604 |
| Noncurrent loans to loans | 0.4720% | 2,439 |
| Net loans and leases to total assets | 63.2883% | 2,136 |
| Net loans and leases to deposits | 71.7907% | 2,335 |
| Net loans and leases to core deposits | 73.9377% | 2,519 |
| Total domestic deposits to total assets | 88.1567% | 1,762 |
| Equity capital to assets | 10.6859% | 2,099 |
| Core capital (leverage) ratio | 9.1325% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6605% | 2,421 |
| Memoranda: | ||
| Average total assets | $18,139,717,500 | 108 |
| Average earning assets | $16,748,357,000 | 107 |
| Average equity | $2,003,629,000 | 112 |
| Average total loans | $11,659,885,500 | 105 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 2,659 |
| Cost of funding earning assets | 0.3090% | 4,092 |
| Net interest margin | 3.7129% | 1,753 |
| Noninterest income to average assets | 1.0244% | 1,004 |
| Noninterest expense to average assets | 2.4334% | 3,044 |
| Loan and lease loss provision to assets | 0.4960% | 502 |
| Net operating income to assets | 1.1662% | 1,661 |
| Return on assets (ROA) | 1.1701% | 1,766 |
| Pretax return on assets | 1.4869% | 1,374 |
| Return on Equity (ROE) | 9.5584% | 2,176 |
| Retained earnings to average equity (ytd only) | 1.4772% | 4,044 |
| Net charge-offs to loans | 0.1777% | 943 |
| Credit loss provision to net charge-offs | 410.6197% | 1,408 |
| Earnings coverage of net charge-offs (x) | 16.3752% | 2,138 |
| Efficiency ratio | 54.5394% | 4,154 |
| Assets per employee ($millions) | 7.4243% | 1,328 |
| Cash dividends to net income (ytd only)* | 84.5456% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,983 |
| Loan loss allowance to noncurrent loans | 222.4152% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 2,585 |
| Noncurrent loans to loans | 0.5368% | 2,368 |
| Net loans and leases to total assets | 63.8244% | 2,385 |
| Net loans and leases to deposits | 73.0528% | 2,584 |
| Net loans and leases to core deposits | 75.9672% | 2,733 |
| Total domestic deposits to total assets | 87.3675% | 1,757 |
| Equity capital to assets | 11.4203% | 1,940 |
| Core capital (leverage) ratio | 9.4237% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2780% | 2,133 |
| Memoranda: | ||
| Average total assets | $15,163,019,600 | 116 |
| Average earning assets | $13,831,420,400 | 115 |
| Average equity | $1,856,158,000 | 114 |
| Average total loans | $10,306,430,400 | 112 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 2,824 |
| Cost of funding earning assets | 0.3628% | 3,990 |
| Net interest margin | 3.6869% | 1,987 |
| Noninterest income to average assets | 1.0496% | 947 |
| Noninterest expense to average assets | 2.4314% | 3,049 |
| Loan and lease loss provision to assets | 0.6517% | 362 |
| Net operating income to assets | 1.0542% | 2,128 |
| Return on assets (ROA) | 1.0596% | 2,244 |
| Pretax return on assets | 1.3275% | 1,946 |
| Return on Equity (ROE) | 8.4821% | 2,608 |
| Retained earnings to average equity (ytd only) | -2.5493% | 4,743 |
| Net charge-offs to loans | 0.2237% | 683 |
| Credit loss provision to net charge-offs | 422.2381% | 1,419 |
| Earnings coverage of net charge-offs (x) | 12.7787% | 2,229 |
| Efficiency ratio | 54.5593% | 4,093 |
| Assets per employee ($millions) | 7.1095% | 1,426 |
| Cash dividends to net income (ytd only)* | 130.0548% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,063 |
| Loan loss allowance to noncurrent loans | 273.5229% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 2,989 |
| Noncurrent loans to loans | 0.4115% | 2,822 |
| Net loans and leases to total assets | 68.8587% | 2,129 |
| Net loans and leases to deposits | 79.0824% | 2,414 |
| Net loans and leases to core deposits | 82.4879% | 2,622 |
| Total domestic deposits to total assets | 87.0721% | 1,637 |
| Equity capital to assets | 11.5096% | 1,998 |
| Core capital (leverage) ratio | 9.4197% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2069% | 2,102 |
| Memoranda: | ||
| Average total assets | $14,512,200,500 | 119 |
| Average earning assets | $13,202,366,500 | 118 |
| Average equity | $1,812,956,250 | 114 |
| Average total loans | $10,013,976,000 | 112 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 2,759 |
| Cost of funding earning assets | 0.4285% | 3,908 |
| Net interest margin | 3.7727% | 1,906 |
| Noninterest income to average assets | 0.9781% | 1,022 |
| Noninterest expense to average assets | 2.4935% | 2,977 |
| Loan and lease loss provision to assets | 0.7179% | 378 |
| Net operating income to assets | 0.9423% | 2,528 |
| Return on assets (ROA) | 0.9423% | 2,658 |
| Pretax return on assets | 1.1864% | 2,404 |
| Return on Equity (ROE) | 7.3027% | 3,007 |
| Retained earnings to average equity (ytd only) | -9.7408% | 4,913 |
| Net charge-offs to loans | 0.3042% | 526 |
| Credit loss provision to net charge-offs | 343.2868% | 1,530 |
| Earnings coverage of net charge-offs (x) | 9.1059% | 2,249 |
| Efficiency ratio | 56.0238% | 3,940 |
| Assets per employee ($millions) | 6.5371% | 1,749 |
| Cash dividends to net income (ytd only)* | 233.3868% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,509 |
| Loan loss allowance to noncurrent loans | 215.8781% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,016 |
| Noncurrent loans to loans | 0.4693% | 2,741 |
| Net loans and leases to total assets | 67.6284% | 2,419 |
| Net loans and leases to deposits | 77.7555% | 2,685 |
| Net loans and leases to core deposits | 81.2437% | 2,846 |
| Total domestic deposits to total assets | 86.9758% | 1,630 |
| Equity capital to assets | 11.7373% | 1,813 |
| Core capital (leverage) ratio | 10.0536% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6256% | 1,949 |
| Memoranda: | ||
| Average total assets | $13,640,693,667 | 122 |
| Average earning assets | $12,364,308,667 | 120 |
| Average equity | $1,760,202,333 | 116 |
| Average total loans | $9,376,135,667 | 125 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,832 |
| Cost of funding earning assets | 0.5164% | 3,866 |
| Net interest margin | 4.1389% | 1,059 |
| Noninterest income to average assets | 0.8296% | 1,228 |
| Noninterest expense to average assets | 2.4973% | 3,276 |
| Loan and lease loss provision to assets | 0.6490% | 414 |
| Net operating income to assets | 1.1447% | 1,703 |
| Return on assets (ROA) | 1.1447% | 1,810 |
| Pretax return on assets | 1.4203% | 1,506 |
| Return on Equity (ROE) | 8.4306% | 2,336 |
| Retained earnings to average equity (ytd only) | -25.6334% | 5,013 |
| Net charge-offs to loans | 0.3627% | 392 |
| Credit loss provision to net charge-offs | 259.4281% | 1,265 |
| Earnings coverage of net charge-offs (x) | 8.2711% | 1,871 |
| Efficiency ratio | 53.9843% | 4,397 |
| Assets per employee ($millions) | 5.6117% | 2,014 |
| Cash dividends to net income (ytd only)* | 404.0513% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,083 |
| Loan loss allowance to noncurrent loans | 226.2069% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,323 |
| Noncurrent loans to loans | 0.4012% | 3,050 |
| Net loans and leases to total assets | 68.4876% | 2,471 |
| Net loans and leases to deposits | 80.0210% | 2,677 |
| Net loans and leases to core deposits | 83.9200% | 2,860 |
| Total domestic deposits to total assets | 85.5870% | 2,178 |
| Equity capital to assets | 13.0824% | 1,386 |
| Core capital (leverage) ratio | 10.7813% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3024% | 2,148 |
| Memoranda: | ||
| Average total assets | $12,972,826,500 | 123 |
| Average earning assets | $11,713,273,500 | 122 |
| Average equity | $1,761,391,500 | 117 |
| Average total loans | $8,948,210,000 | 128 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 2,066 |
| Cost of funding earning assets | 0.6288% | 3,510 |
| Net interest margin | 4.1631% | 1,388 |
| Noninterest income to average assets | 0.8571% | 1,283 |
| Noninterest expense to average assets | 2.5156% | 3,402 |
| Loan and lease loss provision to assets | 0.1032% | 2,000 |
| Net operating income to assets | 1.5074% | 1,033 |
| Return on assets (ROA) | 1.5010% | 1,115 |
| Pretax return on assets | 1.9871% | 614 |
| Return on Equity (ROE) | 11.3273% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.3273% | 292 |
| Net charge-offs to loans | 0.1400% | 1,390 |
| Credit loss provision to net charge-offs | 107.2440% | 2,316 |
| Earnings coverage of net charge-offs (x) | 21.7989% | 1,876 |
| Efficiency ratio | 53.6782% | 4,452 |
| Assets per employee ($millions) | 5.5958% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 4,573 |
| Loan loss allowance to noncurrent loans | 169.9485% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,276 |
| Noncurrent loans to loans | 0.4118% | 2,965 |
| Net loans and leases to total assets | 68.3547% | 2,630 |
| Net loans and leases to deposits | 80.5930% | 2,711 |
| Net loans and leases to core deposits | 84.5390% | 2,906 |
| Total domestic deposits to total assets | 84.8146% | 2,565 |
| Equity capital to assets | 14.0793% | 1,074 |
| Core capital (leverage) ratio | 11.6277% | 2,014 |
| Tier 1 risk-based capital ratio | 14.8690% | 2,837 |
| Total risk-based capital ratio | 15.5371% | 3,039 |
| Memoranda: | ||
| Average total assets | $12,691,835,200 | 123 |
| Average earning assets | $11,453,139,800 | 121 |
| Average equity | $1,681,827,800 | 118 |
| Average total loans | $8,727,072,400 | 123 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 2,023 |
| Cost of funding earning assets | 0.6440% | 3,481 |
| Net interest margin | 4.1877% | 1,401 |
| Noninterest income to average assets | 0.8153% | 1,376 |
| Noninterest expense to average assets | 2.5167% | 3,391 |
| Loan and lease loss provision to assets | 0.1013% | 1,897 |
| Net operating income to assets | 1.4694% | 1,276 |
| Return on assets (ROA) | 1.4685% | 1,334 |
| Pretax return on assets | 1.9736% | 728 |
| Return on Equity (ROE) | 11.2610% | 1,907 |
| Retained earnings to average equity (ytd only) | 11.2610% | 478 |
| Net charge-offs to loans | 0.1272% | 1,244 |
| Credit loss provision to net charge-offs | 115.7984% | 2,011 |
| Earnings coverage of net charge-offs (x) | 23.7413% | 1,822 |
| Efficiency ratio | 53.9137% | 4,408 |
| Assets per employee ($millions) | 5.5251% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 4,664 |
| Loan loss allowance to noncurrent loans | 198.0673% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,579 |
| Noncurrent loans to loans | 0.3523% | 3,279 |
| Net loans and leases to total assets | 69.5757% | 2,539 |
| Net loans and leases to deposits | 82.3165% | 2,647 |
| Net loans and leases to core deposits | 86.9507% | 2,822 |
| Total domestic deposits to total assets | 84.5222% | 2,619 |
| Equity capital to assets | 13.8365% | 1,217 |
| Core capital (leverage) ratio | 11.4083% | 2,292 |
| Tier 1 risk-based capital ratio | 14.1514% | 3,255 |
| Total risk-based capital ratio | 14.8181% | 3,449 |
| Memoranda: | ||
| Average total assets | $12,643,014,000 | 121 |
| Average earning assets | $11,404,402,750 | 122 |
| Average equity | $1,648,681,250 | 122 |
| Average total loans | $8,691,081,250 | 124 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 2,039 |
| Cost of funding earning assets | 0.6451% | 3,437 |
| Net interest margin | 4.1616% | 1,453 |
| Noninterest income to average assets | 0.7527% | 1,513 |
| Noninterest expense to average assets | 2.4268% | 3,667 |
| Loan and lease loss provision to assets | 0.1043% | 1,796 |
| Net operating income to assets | 1.4438% | 1,312 |
| Return on assets (ROA) | 1.4423% | 1,364 |
| Pretax return on assets | 1.9755% | 713 |
| Return on Equity (ROE) | 11.2938% | 1,873 |
| Retained earnings to average equity (ytd only) | 11.2938% | 512 |
| Net charge-offs to loans | 0.1295% | 1,165 |
| Credit loss provision to net charge-offs | 117.9565% | 1,762 |
| Earnings coverage of net charge-offs (x) | 23.5409% | 1,649 |
| Efficiency ratio | 52.9001% | 4,572 |
| Assets per employee ($millions) | 5.5231% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 4,715 |
| Loan loss allowance to noncurrent loans | 227.5534% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,713 |
| Noncurrent loans to loans | 0.3077% | 3,447 |
| Net loans and leases to total assets | 69.1493% | 2,652 |
| Net loans and leases to deposits | 82.7148% | 2,650 |
| Net loans and leases to core deposits | 87.5881% | 2,842 |
| Total domestic deposits to total assets | 83.5997% | 3,008 |
| Equity capital to assets | 13.4275% | 1,361 |
| Core capital (leverage) ratio | 11.0162% | 2,583 |
| Tier 1 risk-based capital ratio | 13.6842% | 3,490 |
| Total risk-based capital ratio | 14.3511% | 3,695 |
| Memoranda: | ||
| Average total assets | $12,595,627,000 | 122 |
| Average earning assets | $11,367,474,330 | 121 |
| Average equity | $1,608,569,000 | 125 |
| Average total loans | $8,602,144,670 | 125 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 1,980 |
| Cost of funding earning assets | 0.6402% | 3,356 |
| Net interest margin | 4.1322% | 1,476 |
| Noninterest income to average assets | 0.7144% | 1,562 |
| Noninterest expense to average assets | 2.3595% | 3,876 |
| Loan and lease loss provision to assets | 0.1141% | 1,550 |
| Net operating income to assets | 1.3726% | 1,447 |
| Return on assets (ROA) | 1.3659% | 1,514 |
| Pretax return on assets | 1.9650% | 678 |
| Return on Equity (ROE) | 10.9830% | 1,951 |
| Retained earnings to average equity (ytd only) | 10.9830% | 803 |
| Net charge-offs to loans | 0.1480% | 882 |
| Credit loss provision to net charge-offs | 113.9891% | 1,463 |
| Earnings coverage of net charge-offs (x) | 20.8601% | 1,543 |
| Efficiency ratio | 52.1271% | 4,690 |
| Assets per employee ($millions) | 5.4616% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7235% | 4,729 |
| Loan loss allowance to noncurrent loans | 245.2534% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 3,777 |
| Noncurrent loans to loans | 0.2950% | 3,513 |
| Net loans and leases to total assets | 67.7730% | 2,785 |
| Net loans and leases to deposits | 79.3649% | 2,910 |
| Net loans and leases to core deposits | 86.1039% | 2,860 |
| Total domestic deposits to total assets | 85.3942% | 2,530 |
| Equity capital to assets | 12.7420% | 1,603 |
| Core capital (leverage) ratio | 10.4006% | 3,162 |
| Tier 1 risk-based capital ratio | 13.3548% | 3,688 |
| Total risk-based capital ratio | 14.0389% | 3,887 |
| Memoranda: | ||
| Average total assets | $12,514,276,500 | 121 |
| Average earning assets | $11,304,187,500 | 121 |
| Average equity | $1,556,289,500 | 125 |
| Average total loans | $8,460,965,500 | 126 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 2,514 |
| Cost of funding earning assets | 0.4481% | 3,694 |
| Net interest margin | 4.0337% | 1,874 |
| Noninterest income to average assets | 0.7866% | 1,490 |
| Noninterest expense to average assets | 2.4681% | 3,703 |
| Loan and lease loss provision to assets | 0.0684% | 2,775 |
| Net operating income to assets | 1.4651% | 1,220 |
| Return on assets (ROA) | 1.4609% | 1,226 |
| Pretax return on assets | 1.8795% | 754 |
| Return on Equity (ROE) | 11.9110% | 1,747 |
| Retained earnings to average equity (ytd only) | 11.9110% | 327 |
| Net charge-offs to loans | 0.0747% | 2,048 |
| Credit loss provision to net charge-offs | 137.4448% | 1,951 |
| Earnings coverage of net charge-offs (x) | 39.2647% | 1,335 |
| Efficiency ratio | 54.5626% | 4,568 |
| Assets per employee ($millions) | 5.4418% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 4,739 |
| Loan loss allowance to noncurrent loans | 243.5456% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 3,774 |
| Noncurrent loans to loans | 0.2991% | 3,489 |
| Net loans and leases to total assets | 66.4700% | 3,059 |
| Net loans and leases to deposits | 78.0765% | 3,159 |
| Net loans and leases to core deposits | 85.5222% | 2,948 |
| Total domestic deposits to total assets | 85.1344% | 2,594 |
| Equity capital to assets | 12.1319% | 1,796 |
| Core capital (leverage) ratio | 9.9845% | 3,596 |
| Tier 1 risk-based capital ratio | 12.9121% | 3,895 |
| Total risk-based capital ratio | 13.5979% | 4,091 |
| Memoranda: | ||
| Average total assets | $12,288,446,600 | 116 |
| Average earning assets | $11,073,307,200 | 117 |
| Average equity | $1,507,224,800 | 122 |
| Average total loans | $8,178,051,800 | 123 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 2,624 |
| Cost of funding earning assets | 0.4089% | 3,797 |
| Net interest margin | 3.9915% | 1,981 |
| Noninterest income to average assets | 0.7944% | 1,492 |
| Noninterest expense to average assets | 2.4561% | 3,711 |
| Loan and lease loss provision to assets | 0.0693% | 2,586 |
| Net operating income to assets | 1.4490% | 1,328 |
| Return on assets (ROA) | 1.4378% | 1,370 |
| Pretax return on assets | 1.8497% | 908 |
| Return on Equity (ROE) | 11.6898% | 1,914 |
| Retained earnings to average equity (ytd only) | 11.6898% | 526 |
| Net charge-offs to loans | 0.0710% | 1,823 |
| Credit loss provision to net charge-offs | 146.7992% | 1,741 |
| Earnings coverage of net charge-offs (x) | 40.9586% | 1,334 |
| Efficiency ratio | 54.6086% | 4,549 |
| Assets per employee ($millions) | 5.3960% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 4,790 |
| Loan loss allowance to noncurrent loans | 253.5258% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 3,919 |
| Noncurrent loans to loans | 0.2912% | 3,641 |
| Net loans and leases to total assets | 66.1871% | 3,157 |
| Net loans and leases to deposits | 79.6366% | 3,076 |
| Net loans and leases to core deposits | 86.2920% | 2,974 |
| Total domestic deposits to total assets | 83.1113% | 3,264 |
| Equity capital to assets | 12.5888% | 1,524 |
| Core capital (leverage) ratio | 10.6009% | 2,980 |
| Tier 1 risk-based capital ratio | 13.7365% | 3,496 |
| Total risk-based capital ratio | 14.4321% | 3,708 |
| Memoranda: | ||
| Average total assets | $12,223,376,500 | 115 |
| Average earning assets | $11,008,774,750 | 114 |
| Average equity | $1,503,430,750 | 119 |
| Average total loans | $8,121,980,750 | 123 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,768 |
| Cost of funding earning assets | 0.3667% | 3,965 |
| Net interest margin | 3.9306% | 2,106 |
| Noninterest income to average assets | 0.7876% | 1,509 |
| Noninterest expense to average assets | 2.4334% | 3,813 |
| Loan and lease loss provision to assets | 0.0824% | 2,264 |
| Net operating income to assets | 1.4192% | 1,369 |
| Return on assets (ROA) | 1.4023% | 1,435 |
| Pretax return on assets | 1.7904% | 984 |
| Return on Equity (ROE) | 11.4927% | 1,912 |
| Retained earnings to average equity (ytd only) | 11.4927% | 587 |
| Net charge-offs to loans | 0.0708% | 1,630 |
| Credit loss provision to net charge-offs | 175.4196% | 1,420 |
| Earnings coverage of net charge-offs (x) | 40.3087% | 1,290 |
| Efficiency ratio | 54.8070% | 4,608 |
| Assets per employee ($millions) | 5.4184% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 4,844 |
| Loan loss allowance to noncurrent loans | 257.0869% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,934 |
| Noncurrent loans to loans | 0.2878% | 3,670 |
| Net loans and leases to total assets | 66.2404% | 3,109 |
| Net loans and leases to deposits | 81.5563% | 2,814 |
| Net loans and leases to core deposits | 87.6640% | 2,751 |
| Total domestic deposits to total assets | 81.2205% | 3,938 |
| Equity capital to assets | 12.3043% | 1,658 |
| Core capital (leverage) ratio | 10.2658% | 3,272 |
| Tier 1 risk-based capital ratio | 13.1873% | 3,796 |
| Total risk-based capital ratio | 13.8787% | 4,008 |
| Memoranda: | ||
| Average total assets | $12,171,726,670 | 114 |
| Average earning assets | $10,962,429,670 | 113 |
| Average equity | $1,485,148,670 | 116 |
| Average total loans | $8,078,044,000 | 122 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 2,879 |
| Cost of funding earning assets | 0.3435% | 4,038 |
| Net interest margin | 3.8572% | 2,206 |
| Noninterest income to average assets | 0.8019% | 1,450 |
| Noninterest expense to average assets | 2.3975% | 3,954 |
| Loan and lease loss provision to assets | 0.1217% | 1,553 |
| Net operating income to assets | 1.4544% | 1,184 |
| Return on assets (ROA) | 1.4286% | 1,263 |
| Pretax return on assets | 1.7294% | 1,046 |
| Return on Equity (ROE) | 11.7587% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.7587% | 726 |
| Net charge-offs to loans | 0.0751% | 1,373 |
| Credit loss provision to net charge-offs | 244.6369% | 926 |
| Earnings coverage of net charge-offs (x) | 37.8461% | 1,097 |
| Efficiency ratio | 54.5514% | 4,738 |
| Assets per employee ($millions) | 5.3642% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 4,931 |
| Loan loss allowance to noncurrent loans | 211.6964% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,833 |
| Noncurrent loans to loans | 0.3514% | 3,513 |
| Net loans and leases to total assets | 66.5757% | 2,957 |
| Net loans and leases to deposits | 81.3136% | 2,655 |
| Net loans and leases to core deposits | 86.8798% | 2,725 |
| Total domestic deposits to total assets | 81.8752% | 4,002 |
| Equity capital to assets | 12.6042% | 1,425 |
| Core capital (leverage) ratio | 10.4716% | 2,983 |
| Tier 1 risk-based capital ratio | 13.4344% | 3,700 |
| Total risk-based capital ratio | 14.1302% | 3,908 |
| Memoranda: | ||
| Average total assets | $12,072,533,000 | 115 |
| Average earning assets | $10,885,309,000 | 114 |
| Average equity | $1,466,696,500 | 120 |
| Average total loans | $7,989,524,000 | 122 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 3,823 |
| Cost of funding earning assets | 0.2361% | 4,679 |
| Net interest margin | 3.6343% | 3,045 |
| Noninterest income to average assets | 0.8063% | 1,544 |
| Noninterest expense to average assets | 2.3864% | 4,119 |
| Loan and lease loss provision to assets | 0.0316% | 3,638 |
| Net operating income to assets | 0.7185% | 3,524 |
| Return on assets (ROA) | 0.7187% | 3,567 |
| Pretax return on assets | 1.6824% | 1,053 |
| Return on Equity (ROE) | 6.3412% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.3412% | 1,362 |
| Net charge-offs to loans | 0.0833% | 2,268 |
| Credit loss provision to net charge-offs | 58.1791% | 3,238 |
| Earnings coverage of net charge-offs (x) | 31.5641% | 1,497 |
| Efficiency ratio | 57.1358% | 4,632 |
| Assets per employee ($millions) | 5.5861% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 4,936 |
| Loan loss allowance to noncurrent loans | 222.7962% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,894 |
| Noncurrent loans to loans | 0.3404% | 3,542 |
| Net loans and leases to total assets | 64.7637% | 3,262 |
| Net loans and leases to deposits | 78.2956% | 3,085 |
| Net loans and leases to core deposits | 83.5876% | 3,092 |
| Total domestic deposits to total assets | 82.7169% | 3,655 |
| Equity capital to assets | 11.6810% | 2,049 |
| Core capital (leverage) ratio | 9.9572% | 3,509 |
| Tier 1 risk-based capital ratio | 12.9106% | 3,962 |
| Total risk-based capital ratio | 13.6078% | 4,201 |
| Memoranda: | ||
| Average total assets | $11,046,503,000 | 116 |
| Average earning assets | $10,011,295,800 | 114 |
| Average equity | $1,252,017,600 | 127 |
| Average total loans | $7,200,034,600 | 125 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,940 |
| Cost of funding earning assets | 0.2189% | 4,821 |
| Net interest margin | 3.6004% | 3,148 |
| Noninterest income to average assets | 0.8175% | 1,521 |
| Noninterest expense to average assets | 2.3228% | 4,235 |
| Loan and lease loss provision to assets | 0.0261% | 3,611 |
| Net operating income to assets | 1.0473% | 2,344 |
| Return on assets (ROA) | 1.0488% | 2,376 |
| Pretax return on assets | 1.7374% | 1,031 |
| Return on Equity (ROE) | 9.3318% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.3318% | 749 |
| Net charge-offs to loans | 0.0933% | 1,856 |
| Credit loss provision to net charge-offs | 42.9411% | 2,985 |
| Earnings coverage of net charge-offs (x) | 28.9812% | 1,595 |
| Efficiency ratio | 55.9469% | 4,744 |
| Assets per employee ($millions) | 5.5145% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 4,862 |
| Loan loss allowance to noncurrent loans | 241.1828% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 4,083 |
| Noncurrent loans to loans | 0.3359% | 3,749 |
| Net loans and leases to total assets | 64.6000% | 3,306 |
| Net loans and leases to deposits | 77.8870% | 3,176 |
| Net loans and leases to core deposits | 82.9400% | 3,219 |
| Total domestic deposits to total assets | 82.9406% | 3,475 |
| Equity capital to assets | 11.4006% | 2,468 |
| Core capital (leverage) ratio | 9.6011% | 4,032 |
| Tier 1 risk-based capital ratio | 12.6735% | 4,225 |
| Total risk-based capital ratio | 13.4259% | 4,406 |
| Memoranda: | ||
| Average total assets | $10,832,160,000 | 116 |
| Average earning assets | $9,827,321,250 | 116 |
| Average equity | $1,217,399,250 | 134 |
| Average total loans | $7,057,966,750 | 127 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,020 |
| Cost of funding earning assets | 0.2006% | 4,976 |
| Net interest margin | 3.5641% | 3,170 |
| Noninterest income to average assets | 0.8493% | 1,416 |
| Noninterest expense to average assets | 2.3012% | 4,347 |
| Loan and lease loss provision to assets | 0.0257% | 3,485 |
| Net operating income to assets | 1.0374% | 2,261 |
| Return on assets (ROA) | 1.0374% | 2,304 |
| Pretax return on assets | 1.7566% | 929 |
| Return on Equity (ROE) | 9.2764% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.2764% | 766 |
| Net charge-offs to loans | 0.0943% | 1,673 |
| Credit loss provision to net charge-offs | 41.7929% | 2,628 |
| Earnings coverage of net charge-offs (x) | 28.9864% | 1,488 |
| Efficiency ratio | 55.5004% | 4,877 |
| Assets per employee ($millions) | 5.6281% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,835 |
| Loan loss allowance to noncurrent loans | 215.6344% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,001 |
| Noncurrent loans to loans | 0.3905% | 3,622 |
| Net loans and leases to total assets | 64.7779% | 3,281 |
| Net loans and leases to deposits | 79.4371% | 2,975 |
| Net loans and leases to core deposits | 84.8574% | 2,980 |
| Total domestic deposits to total assets | 81.5462% | 4,031 |
| Equity capital to assets | 11.2754% | 2,516 |
| Core capital (leverage) ratio | 9.6597% | 3,950 |
| Tier 1 risk-based capital ratio | 12.8413% | 4,094 |
| Total risk-based capital ratio | 13.6254% | 4,259 |
| Memoranda: | ||
| Average total assets | $10,740,801,000 | 115 |
| Average earning assets | $9,746,284,000 | 115 |
| Average equity | $1,201,139,000 | 133 |
| Average total loans | $6,999,545,670 | 126 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 3,963 |
| Cost of funding earning assets | 0.1879% | 5,089 |
| Net interest margin | 3.5538% | 3,068 |
| Noninterest income to average assets | 0.8114% | 1,512 |
| Noninterest expense to average assets | 2.2926% | 4,424 |
| Loan and lease loss provision to assets | 0.0299% | 3,178 |
| Net operating income to assets | 0.9433% | 2,548 |
| Return on assets (ROA) | 0.9432% | 2,608 |
| Pretax return on assets | 1.7117% | 980 |
| Return on Equity (ROE) | 8.4701% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.4701% | 1,285 |
| Net charge-offs to loans | 0.0964% | 1,400 |
| Credit loss provision to net charge-offs | 47.6474% | 2,006 |
| Earnings coverage of net charge-offs (x) | 27.7558% | 1,268 |
| Efficiency ratio | 55.9262% | 4,945 |
| Assets per employee ($millions) | 5.6106% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,874 |
| Loan loss allowance to noncurrent loans | 221.0082% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 3,979 |
| Noncurrent loans to loans | 0.3924% | 3,697 |
| Net loans and leases to total assets | 64.6175% | 3,181 |
| Net loans and leases to deposits | 78.2903% | 2,941 |
| Net loans and leases to core deposits | 83.3201% | 2,965 |
| Total domestic deposits to total assets | 82.5358% | 3,996 |
| Equity capital to assets | 11.0345% | 2,596 |
| Core capital (leverage) ratio | 9.2624% | 4,395 |
| Tier 1 risk-based capital ratio | 12.3004% | 4,506 |
| Total risk-based capital ratio | 13.0973% | 4,725 |
| Memoranda: | ||
| Average total assets | $10,702,615,500 | 115 |
| Average earning assets | $9,706,183,000 | 115 |
| Average equity | $1,191,867,500 | 132 |
| Average total loans | $6,965,997,500 | 126 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 4,252 |
| Cost of funding earning assets | 0.1553% | 5,382 |
| Net interest margin | 3.5313% | 3,312 |
| Noninterest income to average assets | 0.9116% | 1,369 |
| Noninterest expense to average assets | 2.3791% | 4,350 |
| Loan and lease loss provision to assets | -0.0026% | 5,462 |
| Net operating income to assets | 1.0536% | 2,124 |
| Return on assets (ROA) | 1.0598% | 2,198 |
| Pretax return on assets | 1.7475% | 896 |
| Return on Equity (ROE) | 9.2331% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.2331% | 534 |
| Net charge-offs to loans | 0.1051% | 2,218 |
| Credit loss provision to net charge-offs | -3.8427% | 4,730 |
| Earnings coverage of net charge-offs (x) | 25.7524% | 1,576 |
| Efficiency ratio | 56.8147% | 4,972 |
| Assets per employee ($millions) | 5.5993% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,848 |
| Loan loss allowance to noncurrent loans | 210.4070% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,895 |
| Noncurrent loans to loans | 0.4200% | 3,636 |
| Net loans and leases to total assets | 64.4165% | 3,304 |
| Net loans and leases to deposits | 79.3076% | 2,965 |
| Net loans and leases to core deposits | 84.0134% | 3,024 |
| Total domestic deposits to total assets | 81.2236% | 4,280 |
| Equity capital to assets | 11.2381% | 2,378 |
| Core capital (leverage) ratio | 9.6321% | 3,929 |
| Tier 1 risk-based capital ratio | 12.6622% | 4,284 |
| Total risk-based capital ratio | 13.4779% | 4,434 |
| Memoranda: | ||
| Average total assets | $10,041,994,400 | 112 |
| Average earning assets | $9,107,306,000 | 114 |
| Average equity | $1,152,700,200 | 130 |
| Average total loans | $6,435,111,200 | 126 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,292 |
| Cost of funding earning assets | 0.1509% | 5,482 |
| Net interest margin | 3.5367% | 3,334 |
| Noninterest income to average assets | 0.9019% | 1,398 |
| Noninterest expense to average assets | 2.3970% | 4,286 |
| Loan and lease loss provision to assets | -0.0035% | 5,629 |
| Net operating income to assets | 1.0448% | 2,224 |
| Return on assets (ROA) | 1.0528% | 2,312 |
| Pretax return on assets | 1.7300% | 1,036 |
| Return on Equity (ROE) | 9.1199% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.1199% | 785 |
| Net charge-offs to loans | 0.1105% | 1,836 |
| Credit loss provision to net charge-offs | -4.9742% | 4,600 |
| Earnings coverage of net charge-offs (x) | 24.2963% | 1,681 |
| Efficiency ratio | 57.2842% | 4,921 |
| Assets per employee ($millions) | 5.3176% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,743 |
| Loan loss allowance to noncurrent loans | 262.3703% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 4,108 |
| Noncurrent loans to loans | 0.3552% | 3,984 |
| Net loans and leases to total assets | 65.1139% | 3,256 |
| Net loans and leases to deposits | 78.8088% | 3,097 |
| Net loans and leases to core deposits | 84.1672% | 3,107 |
| Total domestic deposits to total assets | 82.6227% | 3,738 |
| Equity capital to assets | 11.6704% | 2,383 |
| Core capital (leverage) ratio | 9.4122% | 4,310 |
| Tier 1 risk-based capital ratio | 12.4438% | 4,510 |
| Total risk-based capital ratio | 13.3027% | 4,660 |
| Memoranda: | ||
| Average total assets | $9,878,840,000 | 112 |
| Average earning assets | $8,963,926,750 | 113 |
| Average equity | $1,140,408,250 | 129 |
| Average total loans | $6,306,260,500 | 128 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 4,394 |
| Cost of funding earning assets | 0.1473% | 5,563 |
| Net interest margin | 3.5197% | 3,412 |
| Noninterest income to average assets | 0.8476% | 1,558 |
| Noninterest expense to average assets | 2.3620% | 4,448 |
| Loan and lease loss provision to assets | -0.0067% | 5,759 |
| Net operating income to assets | 1.0826% | 2,023 |
| Return on assets (ROA) | 1.0913% | 2,115 |
| Pretax return on assets | 1.7035% | 1,080 |
| Return on Equity (ROE) | 9.4896% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.4896% | 721 |
| Net charge-offs to loans | 0.1257% | 1,589 |
| Credit loss provision to net charge-offs | -8.4540% | 4,457 |
| Earnings coverage of net charge-offs (x) | 21.2048% | 1,692 |
| Efficiency ratio | 57.3772% | 4,985 |
| Assets per employee ($millions) | 5.3232% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 4,421 |
| Loan loss allowance to noncurrent loans | 264.9499% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 4,271 |
| Noncurrent loans to loans | 0.3839% | 3,982 |
| Net loans and leases to total assets | 63.1821% | 3,477 |
| Net loans and leases to deposits | 78.9306% | 3,064 |
| Net loans and leases to core deposits | 85.0677% | 2,976 |
| Total domestic deposits to total assets | 80.0477% | 4,528 |
| Equity capital to assets | 11.5768% | 2,468 |
| Core capital (leverage) ratio | 9.5259% | 4,173 |
| Tier 1 risk-based capital ratio | 12.7849% | 4,323 |
| Total risk-based capital ratio | 13.7223% | 4,449 |
| Memoranda: | ||
| Average total assets | $9,745,503,000 | 114 |
| Average earning assets | $8,853,750,000 | 113 |
| Average equity | $1,120,683,000 | 130 |
| Average total loans | $6,156,372,670 | 129 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,419 |
| Cost of funding earning assets | 0.1393% | 5,683 |
| Net interest margin | 3.5310% | 3,359 |
| Noninterest income to average assets | 0.7679% | 1,740 |
| Noninterest expense to average assets | 2.3703% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0338% | 2,147 |
| Return on assets (ROA) | 1.0439% | 2,220 |
| Pretax return on assets | 1.6255% | 1,236 |
| Return on Equity (ROE) | 9.1087% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.1087% | 1,081 |
| Net charge-offs to loans | 0.1407% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 18.2035% | 1,548 |
| Efficiency ratio | 58.5037% | 4,945 |
| Assets per employee ($millions) | 5.2128% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,157 |
| Loan loss allowance to noncurrent loans | 243.7330% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 4,234 |
| Noncurrent loans to loans | 0.4436% | 3,847 |
| Net loans and leases to total assets | 62.2329% | 3,493 |
| Net loans and leases to deposits | 75.5135% | 3,276 |
| Net loans and leases to core deposits | 81.6127% | 3,167 |
| Total domestic deposits to total assets | 82.4129% | 4,087 |
| Equity capital to assets | 11.3246% | 2,599 |
| Core capital (leverage) ratio | 9.2830% | 4,510 |
| Tier 1 risk-based capital ratio | 12.4717% | 4,601 |
| Total risk-based capital ratio | 13.4579% | 4,681 |
| Memoranda: | ||
| Average total assets | $9,670,314,500 | 116 |
| Average earning assets | $8,797,240,000 | 116 |
| Average equity | $1,108,211,000 | 132 |
| Average total loans | $6,076,219,500 | 130 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,898 |
| Cost of funding earning assets | 0.1363% | 5,777 |
| Net interest margin | 3.3721% | 4,027 |
| Noninterest income to average assets | 0.8268% | 1,687 |
| Noninterest expense to average assets | 2.4289% | 4,443 |
| Loan and lease loss provision to assets | 0.0357% | 3,635 |
| Net operating income to assets | 0.9424% | 2,650 |
| Return on assets (ROA) | 0.9593% | 2,652 |
| Pretax return on assets | 1.4808% | 1,615 |
| Return on Equity (ROE) | 8.6764% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.6764% | 738 |
| Net charge-offs to loans | 0.1148% | 2,225 |
| Credit loss provision to net charge-offs | 49.3370% | 3,416 |
| Earnings coverage of net charge-offs (x) | 20.6140% | 1,869 |
| Efficiency ratio | 61.2515% | 4,727 |
| Assets per employee ($millions) | 5.1161% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,822 |
| Loan loss allowance to noncurrent loans | 247.6411% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 4,233 |
| Noncurrent loans to loans | 0.4592% | 3,828 |
| Net loans and leases to total assets | 62.0395% | 3,560 |
| Net loans and leases to deposits | 75.0188% | 3,381 |
| Net loans and leases to core deposits | 79.9002% | 3,357 |
| Total domestic deposits to total assets | 82.6986% | 3,943 |
| Equity capital to assets | 11.5974% | 2,280 |
| Core capital (leverage) ratio | 9.4684% | 4,225 |
| Tier 1 risk-based capital ratio | 13.0075% | 4,312 |
| Total risk-based capital ratio | 14.0602% | 4,343 |
| Memoranda: | ||
| Average total assets | $8,656,532,600 | 124 |
| Average earning assets | $7,938,905,400 | 121 |
| Average equity | $957,136,800 | 143 |
| Average total loans | $5,452,127,200 | 135 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 5,135 |
| Cost of funding earning assets | 0.1369% | 5,875 |
| Net interest margin | 3.2950% | 4,372 |
| Noninterest income to average assets | 0.8008% | 1,801 |
| Noninterest expense to average assets | 2.3084% | 4,757 |
| Loan and lease loss provision to assets | 0.0380% | 3,450 |
| Net operating income to assets | 0.9441% | 2,740 |
| Return on assets (ROA) | 0.9631% | 2,743 |
| Pretax return on assets | 1.5112% | 1,652 |
| Return on Equity (ROE) | 8.8332% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.8332% | 962 |
| Net charge-offs to loans | 0.1245% | 1,882 |
| Credit loss provision to net charge-offs | 48.4164% | 3,056 |
| Earnings coverage of net charge-offs (x) | 19.3633% | 1,943 |
| Efficiency ratio | 59.7257% | 4,922 |
| Assets per employee ($millions) | 5.0169% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,986 |
| Loan loss allowance to noncurrent loans | 300.5178% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 4,458 |
| Noncurrent loans to loans | 0.3801% | 4,247 |
| Net loans and leases to total assets | 63.7500% | 3,342 |
| Net loans and leases to deposits | 75.0922% | 3,416 |
| Net loans and leases to core deposits | 81.9481% | 3,257 |
| Total domestic deposits to total assets | 84.8957% | 3,057 |
| Equity capital to assets | 11.7360% | 2,320 |
| Core capital (leverage) ratio | 10.3144% | 3,240 |
| Tier 1 risk-based capital ratio | 12.6312% | 4,665 |
| Total risk-based capital ratio | 13.6991% | 4,697 |
| Memoranda: | ||
| Average total assets | $8,422,508,000 | 131 |
| Average earning assets | $7,737,540,750 | 123 |
| Average equity | $918,297,000 | 148 |
| Average total loans | $5,310,241,000 | 140 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 4,822 |
| Cost of funding earning assets | 0.1448% | 5,889 |
| Net interest margin | 3.4203% | 3,830 |
| Noninterest income to average assets | 0.8236% | 1,683 |
| Noninterest expense to average assets | 2.3311% | 4,770 |
| Loan and lease loss provision to assets | 0.0511% | 3,097 |
| Net operating income to assets | 1.0213% | 2,283 |
| Return on assets (ROA) | 1.0471% | 2,260 |
| Pretax return on assets | 1.6359% | 1,236 |
| Return on Equity (ROE) | 9.9367% | 2,103 |
| Retained earnings to average equity (ytd only) | 0.6635% | 5,299 |
| Net charge-offs to loans | 0.1440% | 1,629 |
| Credit loss provision to net charge-offs | 56.5004% | 2,633 |
| Earnings coverage of net charge-offs (x) | 18.2142% | 1,815 |
| Efficiency ratio | 58.2892% | 5,186 |
| Assets per employee ($millions) | 5.1420% | 2,107 |
| Cash dividends to net income (ytd only)* | 93.3230% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 2,692 |
| Loan loss allowance to noncurrent loans | 382.7801% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,861 |
| Noncurrent loans to loans | 0.3694% | 4,384 |
| Net loans and leases to total assets | 62.1294% | 3,529 |
| Net loans and leases to deposits | 75.2097% | 3,360 |
| Net loans and leases to core deposits | 83.6773% | 3,016 |
| Total domestic deposits to total assets | 82.6083% | 4,090 |
| Equity capital to assets | 10.3585% | 3,607 |
| Core capital (leverage) ratio | 9.0945% | 4,826 |
| Tier 1 risk-based capital ratio | 11.9876% | 5,163 |
| Total risk-based capital ratio | 13.2495% | 5,047 |
| Memoranda: | ||
| Average total assets | $7,674,788,330 | 140 |
| Average earning assets | $7,077,441,000 | 134 |
| Average equity | $808,776,670 | 157 |
| Average total loans | $4,816,683,000 | 153 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 4,750 |
| Cost of funding earning assets | 0.1514% | 5,918 |
| Net interest margin | 3.4303% | 3,715 |
| Noninterest income to average assets | 0.7730% | 1,819 |
| Noninterest expense to average assets | 2.2845% | 4,925 |
| Loan and lease loss provision to assets | 0.0501% | 2,929 |
| Net operating income to assets | 1.0218% | 2,155 |
| Return on assets (ROA) | 1.0738% | 2,075 |
| Pretax return on assets | 1.6804% | 1,090 |
| Return on Equity (ROE) | 10.1005% | 1,959 |
| Retained earnings to average equity (ytd only) | -8.5168% | 6,094 |
| Net charge-offs to loans | 0.2160% | 1,081 |
| Credit loss provision to net charge-offs | 37.0659% | 2,206 |
| Earnings coverage of net charge-offs (x) | 12.1924% | 1,811 |
| Efficiency ratio | 57.7483% | 5,366 |
| Assets per employee ($millions) | 5.0343% | 2,311 |
| Cash dividends to net income (ytd only)* | 184.3205% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 2,639 |
| Loan loss allowance to noncurrent loans | 378.1042% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 4,916 |
| Noncurrent loans to loans | 0.3855% | 4,437 |
| Net loans and leases to total assets | 62.0612% | 3,354 |
| Net loans and leases to deposits | 72.9860% | 3,434 |
| Net loans and leases to core deposits | 80.8367% | 3,072 |
| Total domestic deposits to total assets | 85.0317% | 3,390 |
| Equity capital to assets | 10.5046% | 3,528 |
| Core capital (leverage) ratio | 8.8958% | 5,077 |
| Tier 1 risk-based capital ratio | 11.8227% | 5,358 |
| Total risk-based capital ratio | 13.0929% | 5,233 |
| Memoranda: | ||
| Average total assets | $7,578,576,500 | 138 |
| Average earning assets | $6,983,163,000 | 133 |
| Average equity | $805,702,500 | 157 |
| Average total loans | $4,746,042,000 | 155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 4,925 |
| Cost of funding earning assets | 0.2066% | 5,689 |
| Net interest margin | 3.4458% | 4,000 |
| Noninterest income to average assets | 0.7495% | 2,075 |
| Noninterest expense to average assets | 2.2527% | 5,233 |
| Loan and lease loss provision to assets | 0.1177% | 2,211 |
| Net operating income to assets | 0.9956% | 2,402 |
| Return on assets (ROA) | 1.0383% | 2,300 |
| Pretax return on assets | 1.6014% | 1,231 |
| Return on Equity (ROE) | 9.3842% | 2,396 |
| Retained earnings to average equity (ytd only) | -6.3199% | 6,232 |
| Net charge-offs to loans | 0.3090% | 1,423 |
| Credit loss provision to net charge-offs | 62.9413% | 3,237 |
| Earnings coverage of net charge-offs (x) | 8.8454% | 2,819 |
| Efficiency ratio | 57.2063% | 5,544 |
| Assets per employee ($millions) | 5.0268% | 2,286 |
| Cash dividends to net income (ytd only)* | 167.3456% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 2,350 |
| Loan loss allowance to noncurrent loans | 400.5313% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 4,987 |
| Noncurrent loans to loans | 0.3814% | 4,495 |
| Net loans and leases to total assets | 61.3142% | 3,597 |
| Net loans and leases to deposits | 72.5940% | 3,613 |
| Net loans and leases to core deposits | 79.6612% | 3,330 |
| Total domestic deposits to total assets | 84.4617% | 3,525 |
| Equity capital to assets | 10.7597% | 3,169 |
| Core capital (leverage) ratio | 9.2529% | 4,600 |
| Tier 1 risk-based capital ratio | 12.8431% | 4,828 |
| Total risk-based capital ratio | 14.0947% | 4,738 |
| Memoranda: | ||
| Average total assets | $7,424,495,400 | 137 |
| Average earning assets | $6,801,540,400 | 134 |
| Average equity | $821,442,600 | 152 |
| Average total loans | $4,490,904,600 | 156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 5,059 |
| Cost of funding earning assets | 0.2102% | 5,752 |
| Net interest margin | 3.4226% | 4,136 |
| Noninterest income to average assets | 0.7381% | 2,144 |
| Noninterest expense to average assets | 2.2645% | 5,194 |
| Loan and lease loss provision to assets | 0.1178% | 2,100 |
| Net operating income to assets | 0.9728% | 2,585 |
| Return on assets (ROA) | 1.0274% | 2,392 |
| Pretax return on assets | 1.5720% | 1,418 |
| Return on Equity (ROE) | 9.2214% | 2,578 |
| Retained earnings to average equity (ytd only) | -11.6456% | 6,406 |
| Net charge-offs to loans | 0.3413% | 1,176 |
| Credit loss provision to net charge-offs | 57.4809% | 2,987 |
| Earnings coverage of net charge-offs (x) | 7.8367% | 2,888 |
| Efficiency ratio | 58.0169% | 5,443 |
| Assets per employee ($millions) | 5.0722% | 2,159 |
| Cash dividends to net income (ytd only)* | 226.2880% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,432 |
| Loan loss allowance to noncurrent loans | 383.7388% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 5,099 |
| Noncurrent loans to loans | 0.4082% | 4,678 |
| Net loans and leases to total assets | 60.3300% | 3,730 |
| Net loans and leases to deposits | 71.8573% | 3,697 |
| Net loans and leases to core deposits | 78.7146% | 3,469 |
| Total domestic deposits to total assets | 83.9581% | 3,787 |
| Equity capital to assets | 10.5612% | 3,484 |
| Core capital (leverage) ratio | 9.0837% | 4,955 |
| Tier 1 risk-based capital ratio | 12.5787% | 5,125 |
| Total risk-based capital ratio | 13.8309% | 5,055 |
| Memoranda: | ||
| Average total assets | $7,398,079,500 | 137 |
| Average earning assets | $6,770,241,250 | 135 |
| Average equity | $824,247,750 | 151 |
| Average total loans | $4,441,462,750 | 154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 5,124 |
| Cost of funding earning assets | 0.2129% | 5,804 |
| Net interest margin | 3.3966% | 4,192 |
| Noninterest income to average assets | 0.7152% | 2,208 |
| Noninterest expense to average assets | 2.2807% | 5,199 |
| Loan and lease loss provision to assets | 0.1276% | 1,936 |
| Net operating income to assets | 0.9175% | 2,717 |
| Return on assets (ROA) | 0.9996% | 2,393 |
| Pretax return on assets | 1.5381% | 1,435 |
| Return on Equity (ROE) | 8.8167% | 2,685 |
| Retained earnings to average equity (ytd only) | -7.7051% | 6,364 |
| Net charge-offs to loans | 0.3741% | 1,086 |
| Credit loss provision to net charge-offs | 57.2194% | 2,682 |
| Earnings coverage of net charge-offs (x) | 6.9032% | 2,703 |
| Efficiency ratio | 59.1702% | 5,407 |
| Assets per employee ($millions) | 5.0112% | 2,203 |
| Cash dividends to net income (ytd only)* | 187.3931% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 2,278 |
| Loan loss allowance to noncurrent loans | 348.4350% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 5,070 |
| Noncurrent loans to loans | 0.4747% | 4,575 |
| Net loans and leases to total assets | 59.4032% | 3,801 |
| Net loans and leases to deposits | 70.2534% | 3,794 |
| Net loans and leases to core deposits | 77.2875% | 3,515 |
| Total domestic deposits to total assets | 84.5556% | 3,699 |
| Equity capital to assets | 11.3585% | 2,545 |
| Core capital (leverage) ratio | 9.4129% | 4,452 |
| Tier 1 risk-based capital ratio | 13.4222% | 4,635 |
| Total risk-based capital ratio | 14.6752% | 4,576 |
| Memoranda: | ||
| Average total assets | $7,366,887,670 | 137 |
| Average earning assets | $6,734,212,000 | 136 |
| Average equity | $835,260,000 | 151 |
| Average total loans | $4,391,402,000 | 154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 5,275 |
| Cost of funding earning assets | 0.2006% | 5,991 |
| Net interest margin | 3.3590% | 4,298 |
| Noninterest income to average assets | 0.6630% | 2,385 |
| Noninterest expense to average assets | 2.1515% | 5,573 |
| Loan and lease loss provision to assets | 0.1354% | 1,791 |
| Net operating income to assets | 1.0105% | 2,175 |
| Return on assets (ROA) | 1.0188% | 2,201 |
| Pretax return on assets | 1.4615% | 1,543 |
| Return on Equity (ROE) | 8.9934% | 2,467 |
| Retained earnings to average equity (ytd only) | -24.0003% | 6,574 |
| Net charge-offs to loans | 0.3695% | 975 |
| Credit loss provision to net charge-offs | 61.8965% | 2,083 |
| Earnings coverage of net charge-offs (x) | 7.2454% | 2,136 |
| Efficiency ratio | 57.0182% | 5,754 |
| Assets per employee ($millions) | 5.0840% | 2,145 |
| Cash dividends to net income (ytd only)* | 366.8652% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 2,306 |
| Loan loss allowance to noncurrent loans | 294.3918% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 4,838 |
| Noncurrent loans to loans | 0.5826% | 4,417 |
| Net loans and leases to total assets | 58.4365% | 3,774 |
| Net loans and leases to deposits | 68.5846% | 3,786 |
| Net loans and leases to core deposits | 75.9992% | 3,411 |
| Total domestic deposits to total assets | 85.2036% | 3,778 |
| Equity capital to assets | 11.0070% | 2,705 |
| Core capital (leverage) ratio | 9.0717% | 4,908 |
| Tier 1 risk-based capital ratio | 12.6438% | 5,226 |
| Total risk-based capital ratio | 13.8970% | 5,159 |
| Memoranda: | ||
| Average total assets | $7,384,659,500 | 138 |
| Average earning assets | $6,757,364,500 | 135 |
| Average equity | $836,524,500 | 152 |
| Average total loans | $4,372,953,000 | 153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,934 |
| Cost of funding earning assets | 0.2571% | 5,926 |
| Net interest margin | 3.5060% | 3,873 |
| Noninterest income to average assets | 0.7170% | 2,452 |
| Noninterest expense to average assets | 2.4188% | 5,019 |
| Loan and lease loss provision to assets | 0.8953% | 218 |
| Net operating income to assets | 3.6561% | 73 |
| Return on assets (ROA) | 3.6587% | 70 |
| Pretax return on assets | 0.6432% | 4,727 |
| Return on Equity (ROE) | 32.7843% | 53 |
| Retained earnings to average equity (ytd only) | 26.4511% | 42 |
| Net charge-offs to loans | 2.1922% | 154 |
| Credit loss provision to net charge-offs | 67.5862% | 3,368 |
| Earnings coverage of net charge-offs (x) | 1.1594% | 4,683 |
| Efficiency ratio | 60.4372% | 5,413 |
| Assets per employee ($millions) | 5.0564% | 2,120 |
| Cash dividends to net income (ytd only)* | 19.3178% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 2,184 |
| Loan loss allowance to noncurrent loans | 282.0888% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 4,926 |
| Noncurrent loans to loans | 0.6241% | 4,417 |
| Net loans and leases to total assets | 57.9393% | 4,044 |
| Net loans and leases to deposits | 68.6374% | 3,960 |
| Net loans and leases to core deposits | 75.6975% | 3,639 |
| Total domestic deposits to total assets | 84.4136% | 4,008 |
| Equity capital to assets | 11.6481% | 2,066 |
| Core capital (leverage) ratio | 9.6147% | 4,098 |
| Tier 1 risk-based capital ratio | 13.5523% | 4,613 |
| Total risk-based capital ratio | 14.8061% | 4,560 |
| Memoranda: | ||
| Average total assets | $7,074,270,000 | 140 |
| Average earning assets | $6,532,743,800 | 134 |
| Average equity | $789,491,600 | 151 |
| Average total loans | $4,274,781,200 | 153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,896 |
| Cost of funding earning assets | 0.2750% | 5,926 |
| Net interest margin | 3.5130% | 3,823 |
| Noninterest income to average assets | 0.7158% | 2,530 |
| Noninterest expense to average assets | 2.4241% | 4,944 |
| Loan and lease loss provision to assets | 1.1913% | 120 |
| Net operating income to assets | 4.6071% | 47 |
| Return on assets (ROA) | 4.6093% | 48 |
| Pretax return on assets | 0.3566% | 5,727 |
| Return on Equity (ROE) | 41.7847% | 25 |
| Retained earnings to average equity (ytd only) | 41.7847% | 13 |
| Net charge-offs to loans | 2.7981% | 87 |
| Credit loss provision to net charge-offs | 70.0162% | 3,071 |
| Earnings coverage of net charge-offs (x) | 0.9085% | 4,546 |
| Efficiency ratio | 60.2837% | 5,394 |
| Assets per employee ($millions) | 4.9384% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,091 |
| Loan loss allowance to noncurrent loans | 304.3472% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 4,951 |
| Noncurrent loans to loans | 0.6138% | 4,669 |
| Net loans and leases to total assets | 58.5570% | 3,915 |
| Net loans and leases to deposits | 68.3108% | 4,026 |
| Net loans and leases to core deposits | 75.5819% | 3,662 |
| Total domestic deposits to total assets | 85.7215% | 3,390 |
| Equity capital to assets | 12.3403% | 1,681 |
| Core capital (leverage) ratio | 10.1745% | 3,436 |
| Tier 1 risk-based capital ratio | 14.4827% | 4,079 |
| Total risk-based capital ratio | 15.7376% | 4,029 |
| Memoranda: | ||
| Average total assets | $6,994,716,750 | 140 |
| Average earning assets | $6,479,277,500 | 134 |
| Average equity | $771,593,750 | 151 |
| Average total loans | $4,253,497,500 | 148 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,764 |
| Cost of funding earning assets | 0.2891% | 5,910 |
| Net interest margin | 3.5298% | 3,659 |
| Noninterest income to average assets | 0.6701% | 2,791 |
| Noninterest expense to average assets | 2.5055% | 4,701 |
| Loan and lease loss provision to assets | 1.7189% | 67 |
| Net operating income to assets | 6.5281% | 29 |
| Return on assets (ROA) | 6.5303% | 29 |
| Pretax return on assets | -0.2641% | 6,534 |
| Return on Equity (ROE) | 61.7429% | 10 |
| Retained earnings to average equity (ytd only) | 61.7429% | 4 |
| Net charge-offs to loans | 4.0023% | 53 |
| Credit loss provision to net charge-offs | 70.1717% | 2,824 |
| Earnings coverage of net charge-offs (x) | 0.5925% | 4,335 |
| Efficiency ratio | 62.4460% | 5,103 |
| Assets per employee ($millions) | 4.8679% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 2,010 |
| Loan loss allowance to noncurrent loans | 290.0556% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 4,923 |
| Noncurrent loans to loans | 0.6664% | 4,608 |
| Net loans and leases to total assets | 58.2256% | 3,951 |
| Net loans and leases to deposits | 68.5305% | 3,932 |
| Net loans and leases to core deposits | 75.6291% | 3,589 |
| Total domestic deposits to total assets | 84.9631% | 3,905 |
| Equity capital to assets | 12.4006% | 1,640 |
| Core capital (leverage) ratio | 10.1455% | 3,300 |
| Tier 1 risk-based capital ratio | 14.2022% | 4,290 |
| Total risk-based capital ratio | 15.4579% | 4,246 |
| Memoranda: | ||
| Average total assets | $6,922,940,670 | 140 |
| Average earning assets | $6,446,516,670 | 135 |
| Average equity | $732,210,670 | 151 |
| Average total loans | $4,237,210,330 | 148 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 4,657 |
| Cost of funding earning assets | 0.3012% | 5,959 |
| Net interest margin | 3.5462% | 3,496 |
| Noninterest income to average assets | 0.6661% | 2,782 |
| Noninterest expense to average assets | 2.4795% | 4,826 |
| Loan and lease loss provision to assets | 0.6453% | 374 |
| Net operating income to assets | 0.8471% | 2,915 |
| Return on assets (ROA) | 0.8536% | 3,022 |
| Pretax return on assets | 0.8879% | 3,806 |
| Return on Equity (ROE) | 8.8707% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.8707% | 1,422 |
| Net charge-offs to loans | 1.1687% | 504 |
| Credit loss provision to net charge-offs | 88.8243% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2.1011% | 3,128 |
| Efficiency ratio | 60.8637% | 5,465 |
| Assets per employee ($millions) | 4.5586% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4941% | 1,126 |
| Loan loss allowance to noncurrent loans | 109.2546% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 2,632 |
| Noncurrent loans to loans | 2.2828% | 2,288 |
| Net loans and leases to total assets | 60.4230% | 3,358 |
| Net loans and leases to deposits | 68.0094% | 3,777 |
| Net loans and leases to core deposits | 73.1197% | 3,689 |
| Total domestic deposits to total assets | 88.8451% | 1,769 |
| Equity capital to assets | 9.7016% | 4,564 |
| Core capital (leverage) ratio | 9.9990% | 3,381 |
| Tier 1 risk-based capital ratio | 14.7215% | 4,017 |
| Total risk-based capital ratio | 15.9842% | 3,979 |
| Memoranda: | ||
| Average total assets | $6,818,643,000 | 143 |
| Average earning assets | $6,421,919,500 | 139 |
| Average equity | $656,138,500 | 166 |
| Average total loans | $4,238,703,000 | 150 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 4,822 |
| Cost of funding earning assets | 0.4397% | 5,653 |
| Net interest margin | 3.6953% | 3,668 |
| Noninterest income to average assets | 0.5948% | 3,309 |
| Noninterest expense to average assets | 2.5771% | 4,830 |
| Loan and lease loss provision to assets | 0.9094% | 492 |
| Net operating income to assets | 0.5459% | 4,498 |
| Return on assets (ROA) | 0.6458% | 4,273 |
| Pretax return on assets | 0.6668% | 4,770 |
| Return on Equity (ROE) | 6.9650% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.9650% | 1,584 |
| Net charge-offs to loans | 1.6619% | 502 |
| Credit loss provision to net charge-offs | 89.5018% | 3,499 |
| Earnings coverage of net charge-offs (x) | 1.4499% | 4,722 |
| Efficiency ratio | 62.5783% | 5,153 |
| Assets per employee ($millions) | 4.3923% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5285% | 1,099 |
| Loan loss allowance to noncurrent loans | 96.7272% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 2.0060% | 2,444 |
| Noncurrent loans to loans | 2.6140% | 2,024 |
| Net loans and leases to total assets | 60.7830% | 3,462 |
| Net loans and leases to deposits | 68.7295% | 3,871 |
| Net loans and leases to core deposits | 73.1135% | 3,907 |
| Total domestic deposits to total assets | 88.4379% | 1,938 |
| Equity capital to assets | 9.5433% | 4,822 |
| Core capital (leverage) ratio | 9.8568% | 3,597 |
| Tier 1 risk-based capital ratio | 14.4808% | 4,047 |
| Total risk-based capital ratio | 15.7441% | 3,987 |
| Memoranda: | ||
| Average total assets | $6,872,343,800 | 140 |
| Average earning assets | $6,426,316,200 | 136 |
| Average equity | $637,239,400 | 165 |
| Average total loans | $4,201,912,600 | 144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 4,894 |
| Cost of funding earning assets | 0.4739% | 5,602 |
| Net interest margin | 3.7036% | 3,783 |
| Noninterest income to average assets | 0.5727% | 3,455 |
| Noninterest expense to average assets | 2.5099% | 5,050 |
| Loan and lease loss provision to assets | 0.9383% | 455 |
| Net operating income to assets | 0.5734% | 4,505 |
| Return on assets (ROA) | 0.7071% | 4,122 |
| Pretax return on assets | 0.7197% | 4,794 |
| Return on Equity (ROE) | 7.6805% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.6805% | 1,767 |
| Net charge-offs to loans | 1.7592% | 453 |
| Credit loss provision to net charge-offs | 87.6622% | 3,372 |
| Earnings coverage of net charge-offs (x) | 1.4216% | 4,577 |
| Efficiency ratio | 61.2057% | 5,275 |
| Assets per employee ($millions) | 4.3209% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5596% | 1,130 |
| Loan loss allowance to noncurrent loans | 92.8941% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 2,382 |
| Noncurrent loans to loans | 2.7554% | 2,056 |
| Net loans and leases to total assets | 61.2245% | 3,527 |
| Net loans and leases to deposits | 69.6837% | 3,940 |
| Net loans and leases to core deposits | 75.2115% | 3,822 |
| Total domestic deposits to total assets | 87.8605% | 2,121 |
| Equity capital to assets | 9.6803% | 4,947 |
| Core capital (leverage) ratio | 9.9207% | 3,664 |
| Tier 1 risk-based capital ratio | 14.4696% | 4,207 |
| Total risk-based capital ratio | 15.7334% | 4,165 |
| Memoranda: | ||
| Average total assets | $6,891,718,250 | 139 |
| Average earning assets | $6,436,318,000 | 137 |
| Average equity | $634,435,750 | 165 |
| Average total loans | $4,193,079,500 | 140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 4,971 |
| Cost of funding earning assets | 0.5121% | 5,539 |
| Net interest margin | 3.6832% | 3,910 |
| Noninterest income to average assets | 0.7014% | 2,662 |
| Noninterest expense to average assets | 2.7210% | 4,326 |
| Loan and lease loss provision to assets | 0.9486% | 477 |
| Net operating income to assets | 0.4508% | 5,033 |
| Return on assets (ROA) | 0.6472% | 4,378 |
| Pretax return on assets | 0.6692% | 4,913 |
| Return on Equity (ROE) | 7.1489% | 3,702 |
| Retained earnings to average equity (ytd only) | 7.1489% | 2,017 |
| Net charge-offs to loans | 1.6597% | 558 |
| Credit loss provision to net charge-offs | 94.9285% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.4163% | 4,294 |
| Efficiency ratio | 64.7688% | 4,749 |
| Assets per employee ($millions) | 4.2808% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6967% | 1,039 |
| Loan loss allowance to noncurrent loans | 96.3521% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 2.3998% | 2,329 |
| Noncurrent loans to loans | 2.7988% | 2,134 |
| Net loans and leases to total assets | 60.4300% | 3,747 |
| Net loans and leases to deposits | 69.1164% | 4,024 |
| Net loans and leases to core deposits | 74.4720% | 3,958 |
| Total domestic deposits to total assets | 87.4322% | 2,514 |
| Equity capital to assets | 9.4082% | 5,185 |
| Core capital (leverage) ratio | 9.2205% | 4,575 |
| Tier 1 risk-based capital ratio | 14.3994% | 4,179 |
| Total risk-based capital ratio | 15.6651% | 4,131 |
| Memoranda: | ||
| Average total assets | $6,957,919,000 | 137 |
| Average earning assets | $6,488,470,670 | 135 |
| Average equity | $629,943,670 | 165 |
| Average total loans | $4,188,950,670 | 141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 4,969 |
| Cost of funding earning assets | 0.5478% | 5,510 |
| Net interest margin | 3.6913% | 3,872 |
| Noninterest income to average assets | 0.6827% | 2,743 |
| Noninterest expense to average assets | 2.5118% | 5,113 |
| Loan and lease loss provision to assets | 0.8484% | 549 |
| Net operating income to assets | 0.7418% | 3,667 |
| Return on assets (ROA) | 0.7727% | 3,750 |
| Pretax return on assets | 0.7905% | 4,448 |
| Return on Equity (ROE) | 8.6970% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.6970% | 1,698 |
| Net charge-offs to loans | 1.5134% | 659 |
| Credit loss provision to net charge-offs | 94.5358% | 2,465 |
| Earnings coverage of net charge-offs (x) | 1.7911% | 3,442 |
| Efficiency ratio | 59.9728% | 5,614 |
| Assets per employee ($millions) | 4.3226% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7051% | 1,111 |
| Loan loss allowance to noncurrent loans | 86.6733% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 2,396 |
| Noncurrent loans to loans | 3.1210% | 2,051 |
| Net loans and leases to total assets | 57.0112% | 4,219 |
| Net loans and leases to deposits | 67.3439% | 4,172 |
| Net loans and leases to core deposits | 72.6676% | 4,061 |
| Total domestic deposits to total assets | 84.6568% | 4,182 |
| Equity capital to assets | 8.8226% | 5,726 |
| Core capital (leverage) ratio | 8.9606% | 4,900 |
| Tier 1 risk-based capital ratio | 13.6879% | 4,689 |
| Total risk-based capital ratio | 14.9530% | 4,659 |
| Memoranda: | ||
| Average total assets | $7,072,134,000 | 136 |
| Average earning assets | $6,583,770,000 | 134 |
| Average equity | $628,353,500 | 163 |
| Average total loans | $4,193,759,000 | 137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 5,123 |
| Cost of funding earning assets | 0.8495% | 4,473 |
| Net interest margin | 3.6392% | 4,570 |
| Noninterest income to average assets | -0.2725% | 7,188 |
| Noninterest expense to average assets | 2.6774% | 4,828 |
| Loan and lease loss provision to assets | 3.4874% | 82 |
| Net operating income to assets | -3.0114% | 7,175 |
| Return on assets (ROA) | -3.0000% | 7,181 |
| Pretax return on assets | -3.0730% | 7,189 |
| Return on Equity (ROE) | -34.9484% | 7,130 |
| Retained earnings to average equity (ytd only) | -34.9484% | 7,124 |
| Net charge-offs to loans | 7.1700% | 25 |
| Credit loss provision to net charge-offs | 80.6485% | 4,417 |
| Earnings coverage of net charge-offs (x) | 0.0931% | 5,761 |
| Efficiency ratio | 85.5644% | 1,609 |
| Assets per employee ($millions) | 4.1019% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7333% | 1,053 |
| Loan loss allowance to noncurrent loans | 88.7108% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4689% | 2,463 |
| Noncurrent loans to loans | 3.0811% | 2,098 |
| Net loans and leases to total assets | 58.3818% | 4,301 |
| Net loans and leases to deposits | 66.0197% | 4,728 |
| Net loans and leases to core deposits | 72.3396% | 4,465 |
| Total domestic deposits to total assets | 88.4309% | 1,890 |
| Equity capital to assets | 8.9489% | 5,607 |
| Core capital (leverage) ratio | 8.7831% | 5,132 |
| Tier 1 risk-based capital ratio | 13.6032% | 4,618 |
| Total risk-based capital ratio | 14.8690% | 4,576 |
| Memoranda: | ||
| Average total assets | $7,197,353,800 | 135 |
| Average earning assets | $6,630,604,200 | 135 |
| Average equity | $617,822,200 | 164 |
| Average total loans | $4,340,662,400 | 132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 5,178 |
| Cost of funding earning assets | 0.9169% | 4,290 |
| Net interest margin | 3.6102% | 4,725 |
| Noninterest income to average assets | -0.4624% | 7,342 |
| Noninterest expense to average assets | 2.7368% | 4,588 |
| Loan and lease loss provision to assets | 4.3571% | 47 |
| Net operating income to assets | -4.2445% | 7,346 |
| Return on assets (ROA) | -4.2291% | 7,349 |
| Pretax return on assets | -4.2253% | 7,349 |
| Return on Equity (ROE) | -49.7755% | 7,291 |
| Retained earnings to average equity (ytd only) | -49.7755% | 7,285 |
| Net charge-offs to loans | 8.0873% | 24 |
| Credit loss provision to net charge-offs | 89.2309% | 3,794 |
| Earnings coverage of net charge-offs (x) | 0.0238% | 5,582 |
| Efficiency ratio | 94.4566% | 891 |
| Assets per employee ($millions) | 4.0263% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4869% | 569 |
| Loan loss allowance to noncurrent loans | 99.7828% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 2.9346% | 2,192 |
| Noncurrent loans to loans | 3.4945% | 1,969 |
| Net loans and leases to total assets | 58.6977% | 4,374 |
| Net loans and leases to deposits | 66.4885% | 4,828 |
| Net loans and leases to core deposits | 73.9045% | 4,459 |
| Total domestic deposits to total assets | 88.2825% | 1,883 |
| Equity capital to assets | 9.0937% | 5,645 |
| Core capital (leverage) ratio | 8.6578% | 5,477 |
| Tier 1 risk-based capital ratio | 13.5430% | 4,705 |
| Total risk-based capital ratio | 14.8180% | 4,657 |
| Memoranda: | ||
| Average total assets | $7,252,353,000 | 135 |
| Average earning assets | $6,660,346,250 | 135 |
| Average equity | $616,177,750 | 166 |
| Average total loans | $4,378,833,750 | 134 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 5,332 |
| Cost of funding earning assets | 0.9751% | 4,121 |
| Net interest margin | 3.5316% | 5,008 |
| Noninterest income to average assets | -0.9680% | 7,478 |
| Noninterest expense to average assets | 2.7950% | 4,439 |
| Loan and lease loss provision to assets | 5.4520% | 36 |
| Net operating income to assets | -6.0088% | 7,461 |
| Return on assets (ROA) | -5.9861% | 7,462 |
| Pretax return on assets | -5.9609% | 7,461 |
| Return on Equity (ROE) | -72.0331% | 7,407 |
| Retained earnings to average equity (ytd only) | -72.0331% | 7,404 |
| Net charge-offs to loans | 11.1691% | 13 |
| Credit loss provision to net charge-offs | 81.0298% | 3,739 |
| Earnings coverage of net charge-offs (x) | -0.0790% | 5,327 |
| Efficiency ratio | 121.6636% | 329 |
| Assets per employee ($millions) | 4.1743% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0006% | 900 |
| Loan loss allowance to noncurrent loans | 168.6504% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 3,451 |
| Noncurrent loans to loans | 1.7792% | 3,781 |
| Net loans and leases to total assets | 57.7358% | 4,680 |
| Net loans and leases to deposits | 65.8452% | 5,022 |
| Net loans and leases to core deposits | 74.8319% | 4,463 |
| Total domestic deposits to total assets | 87.6841% | 2,353 |
| Equity capital to assets | 8.9859% | 5,597 |
| Core capital (leverage) ratio | 8.3476% | 5,789 |
| Tier 1 risk-based capital ratio | 13.3320% | 4,662 |
| Total risk-based capital ratio | 15.1228% | 4,224 |
| Memoranda: | ||
| Average total assets | $7,373,480,330 | 135 |
| Average earning assets | $6,746,772,670 | 135 |
| Average equity | $612,749,000 | 167 |
| Average total loans | $4,441,859,000 | 134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 5,559 |
| Cost of funding earning assets | 1.0095% | 4,137 |
| Net interest margin | 3.4288% | 5,304 |
| Noninterest income to average assets | -2.6141% | 7,565 |
| Noninterest expense to average assets | 2.8954% | 4,075 |
| Loan and lease loss provision to assets | 10.1509% | 11 |
| Net operating income to assets | -12.5571% | 7,567 |
| Return on assets (ROA) | -12.5542% | 7,567 |
| Pretax return on assets | -12.5401% | 7,565 |
| Return on Equity (ROE) | -157.1691% | 7,524 |
| Retained earnings to average equity (ytd only) | -157.1691% | 7,519 |
| Net charge-offs to loans | 20.4212% | 4 |
| Credit loss provision to net charge-offs | 82.0472% | 3,119 |
| Earnings coverage of net charge-offs (x) | -0.1933% | 4,694 |
| Efficiency ratio | 567.2081% | 6 |
| Assets per employee ($millions) | 4.3951% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0507% | 871 |
| Loan loss allowance to noncurrent loans | 150.2800% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 3,001 |
| Noncurrent loans to loans | 2.0300% | 3,532 |
| Net loans and leases to total assets | 54.9086% | 5,178 |
| Net loans and leases to deposits | 63.2998% | 5,348 |
| Net loans and leases to core deposits | 72.8097% | 4,674 |
| Total domestic deposits to total assets | 86.7438% | 3,095 |
| Equity capital to assets | 8.0937% | 6,396 |
| Core capital (leverage) ratio | 8.1248% | 6,088 |
| Tier 1 risk-based capital ratio | 12.7138% | 5,050 |
| Total risk-based capital ratio | 14.4936% | 4,602 |
| Memoranda: | ||
| Average total assets | $7,486,999,500 | 137 |
| Average earning assets | $6,806,908,500 | 136 |
| Average equity | $598,038,500 | 169 |
| Average total loans | $4,535,942,500 | 135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 3,668 |
| Cost of funding earning assets | 1.3835% | 3,369 |
| Net interest margin | 3.8046% | 3,920 |
| Noninterest income to average assets | 0.0026% | 7,269 |
| Noninterest expense to average assets | 5.9828% | 233 |
| Loan and lease loss provision to assets | 2.9564% | 327 |
| Net operating income to assets | -6.4420% | 7,591 |
| Return on assets (ROA) | -6.4082% | 7,593 |
| Pretax return on assets | -5.5866% | 7,570 |
| Return on Equity (ROE) | -55.2993% | 7,453 |
| Retained earnings to average equity (ytd only) | -55.2993% | 7,450 |
| Net charge-offs to loans | 4.0945% | 304 |
| Credit loss provision to net charge-offs | 109.3636% | 4,032 |
| Earnings coverage of net charge-offs (x) | -0.9855% | 6,603 |
| Efficiency ratio | 94.8852% | 1,017 |
| Assets per employee ($millions) | 4.1373% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7104% | 511 |
| Loan loss allowance to noncurrent loans | 95.3315% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 4.9169% | 1,309 |
| Noncurrent loans to loans | 3.8921% | 1,883 |
| Net loans and leases to total assets | 62.3653% | 4,208 |
| Net loans and leases to deposits | 69.9097% | 4,825 |
| Net loans and leases to core deposits | 80.8208% | 4,090 |
| Total domestic deposits to total assets | 89.2084% | 1,536 |
| Equity capital to assets | 7.8753% | 6,616 |
| Core capital (leverage) ratio | 7.4547% | 6,742 |
| Tier 1 risk-based capital ratio | 10.8458% | 6,452 |
| Total risk-based capital ratio | 12.6055% | 6,028 |
| Memoranda: | ||
| Average total assets | $7,542,913,000 | 136 |
| Average earning assets | $6,574,560,600 | 139 |
| Average equity | $874,087,200 | 129 |
| Average total loans | $4,980,082,400 | 124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 3,452 |
| Cost of funding earning assets | 1.4644% | 3,187 |
| Net interest margin | 3.8155% | 3,903 |
| Noninterest income to average assets | 0.0664% | 7,199 |
| Noninterest expense to average assets | 7.0548% | 148 |
| Loan and lease loss provision to assets | 3.2757% | 240 |
| Net operating income to assets | -5.6749% | 7,683 |
| Return on assets (ROA) | -5.6387% | 7,686 |
| Pretax return on assets | -6.9231% | 7,709 |
| Return on Equity (ROE) | -45.2007% | 7,529 |
| Retained earnings to average equity (ytd only) | -45.2007% | 7,527 |
| Net charge-offs to loans | 4.4370% | 235 |
| Credit loss provision to net charge-offs | 111.3168% | 3,802 |
| Earnings coverage of net charge-offs (x) | -1.2546% | 6,482 |
| Efficiency ratio | 98.8467% | 783 |
| Assets per employee ($millions) | 3.9993% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5963% | 502 |
| Loan loss allowance to noncurrent loans | 78.9108% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 5.4412% | 1,137 |
| Noncurrent loans to loans | 4.5575% | 1,577 |
| Net loans and leases to total assets | 66.8780% | 3,493 |
| Net loans and leases to deposits | 77.7718% | 3,868 |
| Net loans and leases to core deposits | 85.8303% | 3,682 |
| Total domestic deposits to total assets | 85.9927% | 3,081 |
| Equity capital to assets | 10.7671% | 3,204 |
| Core capital (leverage) ratio | 7.9359% | 6,429 |
| Tier 1 risk-based capital ratio | 11.3975% | 6,024 |
| Total risk-based capital ratio | 13.1575% | 5,521 |
| Memoranda: | ||
| Average total assets | $7,611,311,750 | 135 |
| Average earning assets | $6,575,595,500 | 138 |
| Average equity | $949,489,000 | 122 |
| Average total loans | $5,048,045,750 | 123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2583% | 3,664 |
| Cost of funding earning assets | 1.4931% | 3,294 |
| Net interest margin | 3.7652% | 4,069 |
| Noninterest income to average assets | 0.2181% | 6,356 |
| Noninterest expense to average assets | 3.6325% | 1,700 |
| Loan and lease loss provision to assets | 3.4931% | 249 |
| Net operating income to assets | -2.2113% | 7,355 |
| Return on assets (ROA) | -2.2103% | 7,363 |
| Pretax return on assets | -3.6709% | 7,565 |
| Return on Equity (ROE) | -17.0227% | 7,201 |
| Retained earnings to average equity (ytd only) | -17.0227% | 7,168 |
| Net charge-offs to loans | 4.6160% | 245 |
| Credit loss provision to net charge-offs | 115.6868% | 3,507 |
| Earnings coverage of net charge-offs (x) | -0.0594% | 5,767 |
| Efficiency ratio | 104.0114% | 684 |
| Assets per employee ($millions) | 4.3413% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4987% | 542 |
| Loan loss allowance to noncurrent loans | 75.9832% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 5.0497% | 1,268 |
| Noncurrent loans to loans | 4.6045% | 1,564 |
| Net loans and leases to total assets | 62.8523% | 4,502 |
| Net loans and leases to deposits | 75.5783% | 4,407 |
| Net loans and leases to core deposits | 87.0226% | 3,693 |
| Total domestic deposits to total assets | 83.1618% | 4,494 |
| Equity capital to assets | 13.0006% | 1,568 |
| Core capital (leverage) ratio | 8.2735% | 5,819 |
| Tier 1 risk-based capital ratio | 11.9447% | 5,360 |
| Total risk-based capital ratio | 13.8068% | 4,789 |
| Memoranda: | ||
| Average total assets | $7,815,468,330 | 131 |
| Average earning assets | $6,715,092,670 | 136 |
| Average equity | $1,014,795,000 | 115 |
| Average total loans | $5,112,293,670 | 123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 3,772 |
| Cost of funding earning assets | 1.5471% | 3,282 |
| Net interest margin | 3.7058% | 4,212 |
| Noninterest income to average assets | 0.3923% | 4,977 |
| Noninterest expense to average assets | 2.5078% | 5,695 |
| Loan and lease loss provision to assets | 3.7961% | 238 |
| Net operating income to assets | -1.6359% | 7,370 |
| Return on assets (ROA) | -1.6339% | 7,374 |
| Pretax return on assets | -2.7179% | 7,552 |
| Return on Equity (ROE) | -12.5911% | 7,241 |
| Retained earnings to average equity (ytd only) | -12.5911% | 7,105 |
| Net charge-offs to loans | 4.3757% | 297 |
| Credit loss provision to net charge-offs | 132.3498% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.3748% | 4,703 |
| Efficiency ratio | 68.8605% | 4,536 |
| Assets per employee ($millions) | 4.3720% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4148% | 576 |
| Loan loss allowance to noncurrent loans | 59.1049% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 5.9152% | 1,028 |
| Noncurrent loans to loans | 5.7775% | 1,174 |
| Net loans and leases to total assets | 62.8990% | 4,562 |
| Net loans and leases to deposits | 75.5060% | 4,496 |
| Net loans and leases to core deposits | 88.3251% | 3,593 |
| Total domestic deposits to total assets | 83.3033% | 4,474 |
| Equity capital to assets | 12.8904% | 1,564 |
| Core capital (leverage) ratio | 8.6474% | 5,118 |
| Tier 1 risk-based capital ratio | 12.5247% | 4,722 |
| Total risk-based capital ratio | 14.3655% | 4,219 |
| Memoranda: | ||
| Average total assets | $7,902,833,000 | 131 |
| Average earning assets | $6,804,175,500 | 135 |
| Average equity | $1,025,520,500 | 115 |
| Average total loans | $5,180,195,500 | 122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5177% | 4,050 |
| Cost of funding earning assets | 2.0682% | 2,639 |
| Net interest margin | 3.4495% | 5,172 |
| Noninterest income to average assets | 0.6147% | 3,518 |
| Noninterest expense to average assets | 3.6619% | 1,998 |
| Loan and lease loss provision to assets | 3.7269% | 395 |
| Net operating income to assets | -2.6990% | 7,319 |
| Return on assets (ROA) | -2.6761% | 7,324 |
| Pretax return on assets | -3.7149% | 7,466 |
| Return on Equity (ROE) | -21.8861% | 7,202 |
| Retained earnings to average equity (ytd only) | -21.8861% | 7,173 |
| Net charge-offs to loans | 4.9725% | 267 |
| Credit loss provision to net charge-offs | 112.0472% | 4,892 |
| Earnings coverage of net charge-offs (x) | -0.0059% | 6,207 |
| Efficiency ratio | 68.1606% | 4,979 |
| Assets per employee ($millions) | 4.4480% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9544% | 804 |
| Loan loss allowance to noncurrent loans | 51.3635% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 5.7313% | 1,003 |
| Noncurrent loans to loans | 5.7519% | 1,109 |
| Net loans and leases to total assets | 64.0169% | 4,593 |
| Net loans and leases to deposits | 76.7445% | 4,616 |
| Net loans and leases to core deposits | 93.3975% | 4,740 |
| Total domestic deposits to total assets | 83.4156% | 4,328 |
| Equity capital to assets | 13.0611% | 1,489 |
| Core capital (leverage) ratio | 8.8115% | 4,750 |
| Tier 1 risk-based capital ratio | 13.1859% | 4,023 |
| Total risk-based capital ratio | 15.0050% | 3,599 |
| Memoranda: | ||
| Average total assets | $8,317,908,800 | 124 |
| Average earning assets | $7,300,189,800 | 125 |
| Average equity | $1,017,080,200 | 112 |
| Average total loans | $5,564,029,800 | 114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5092% | 4,376 |
| Cost of funding earning assets | 2.1544% | 2,626 |
| Net interest margin | 3.3548% | 5,428 |
| Noninterest income to average assets | 0.7209% | 2,879 |
| Noninterest expense to average assets | 3.9931% | 1,280 |
| Loan and lease loss provision to assets | 3.4914% | 377 |
| Net operating income to assets | -2.9287% | 7,568 |
| Return on assets (ROA) | -2.9197% | 7,569 |
| Pretax return on assets | -3.7953% | 7,656 |
| Return on Equity (ROE) | -24.2709% | 7,491 |
| Retained earnings to average equity (ytd only) | -24.2709% | 7,466 |
| Net charge-offs to loans | 4.5422% | 277 |
| Credit loss provision to net charge-offs | 114.5332% | 4,431 |
| Earnings coverage of net charge-offs (x) | -0.1036% | 6,187 |
| Efficiency ratio | 66.5983% | 5,270 |
| Assets per employee ($millions) | 4.6680% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7371% | 845 |
| Loan loss allowance to noncurrent loans | 45.5895% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 5.5017% | 1,037 |
| Noncurrent loans to loans | 6.0037% | 984 |
| Net loans and leases to total assets | 63.3063% | 5,017 |
| Net loans and leases to deposits | 77.8298% | 4,762 |
| Net loans and leases to core deposits | 94.9628% | 4,933 |
| Total domestic deposits to total assets | 81.3394% | 4,944 |
| Equity capital to assets | 12.8757% | 1,747 |
| Core capital (leverage) ratio | 9.8353% | 3,473 |
| Tier 1 risk-based capital ratio | 13.3267% | 3,970 |
| Total risk-based capital ratio | 15.1030% | 3,573 |
| Memoranda: | ||
| Average total assets | $8,401,350,750 | 127 |
| Average earning assets | $7,403,798,250 | 126 |
| Average equity | $1,010,646,250 | 118 |
| Average total loans | $5,638,337,500 | 121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5459% | 4,356 |
| Cost of funding earning assets | 2.2537% | 2,559 |
| Net interest margin | 3.2921% | 5,585 |
| Noninterest income to average assets | 0.8269% | 2,288 |
| Noninterest expense to average assets | 4.2256% | 1,041 |
| Loan and lease loss provision to assets | 2.9791% | 512 |
| Net operating income to assets | -2.7684% | 7,621 |
| Return on assets (ROA) | -2.7762% | 7,618 |
| Pretax return on assets | -3.4748% | 7,672 |
| Return on Equity (ROE) | -23.6345% | 7,602 |
| Retained earnings to average equity (ytd only) | -23.6345% | 7,565 |
| Net charge-offs to loans | 3.5717% | 432 |
| Credit loss provision to net charge-offs | 123.0400% | 3,780 |
| Earnings coverage of net charge-offs (x) | -0.2007% | 5,887 |
| Efficiency ratio | 67.4401% | 5,266 |
| Assets per employee ($millions) | 4.6790% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5715% | 844 |
| Loan loss allowance to noncurrent loans | 46.7833% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 5.2319% | 982 |
| Noncurrent loans to loans | 5.4966% | 1,059 |
| Net loans and leases to total assets | 65.3529% | 4,692 |
| Net loans and leases to deposits | 80.1218% | 4,527 |
| Net loans and leases to core deposits | 101.5311% | 4,338 |
| Total domestic deposits to total assets | 81.5669% | 4,870 |
| Equity capital to assets | 11.0378% | 2,884 |
| Core capital (leverage) ratio | 7.7100% | 6,743 |
| Tier 1 risk-based capital ratio | 10.8959% | 5,987 |
| Total risk-based capital ratio | 12.6727% | 5,383 |
| Memoranda: | ||
| Average total assets | $8,391,664,670 | 132 |
| Average earning assets | $7,424,733,000 | 131 |
| Average equity | $985,702,670 | 123 |
| Average total loans | $5,688,728,330 | 125 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5938% | 4,399 |
| Cost of funding earning assets | 2.3666% | 2,430 |
| Net interest margin | 3.2272% | 5,771 |
| Noninterest income to average assets | 0.5364% | 4,012 |
| Noninterest expense to average assets | 5.9504% | 293 |
| Loan and lease loss provision to assets | 3.1083% | 350 |
| Net operating income to assets | -4.8897% | 8,033 |
| Return on assets (ROA) | -4.8772% | 8,025 |
| Pretax return on assets | -5.6392% | 8,027 |
| Return on Equity (ROE) | -40.2948% | 7,988 |
| Retained earnings to average equity (ytd only) | -40.2948% | 7,967 |
| Net charge-offs to loans | 3.0370% | 418 |
| Credit loss provision to net charge-offs | 150.1814% | 2,770 |
| Earnings coverage of net charge-offs (x) | -1.2298% | 5,405 |
| Efficiency ratio | 75.4080% | 3,582 |
| Assets per employee ($millions) | 4.5789% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5369% | 736 |
| Loan loss allowance to noncurrent loans | 55.5611% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 4.1023% | 1,239 |
| Noncurrent loans to loans | 4.5659% | 1,249 |
| Net loans and leases to total assets | 67.8347% | 4,178 |
| Net loans and leases to deposits | 83.0567% | 4,123 |
| Net loans and leases to core deposits | 104.1752% | 4,119 |
| Total domestic deposits to total assets | 81.6727% | 4,690 |
| Equity capital to assets | 11.8142% | 2,371 |
| Core capital (leverage) ratio | 7.8996% | 6,620 |
| Tier 1 risk-based capital ratio | 11.2324% | 5,664 |
| Total risk-based capital ratio | 13.0076% | 5,083 |
| Memoranda: | ||
| Average total assets | $8,364,694,000 | 133 |
| Average earning assets | $7,435,373,000 | 132 |
| Average equity | $1,012,448,000 | 120 |
| Average total loans | $5,700,530,500 | 127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3510% | 3,689 |
| Cost of funding earning assets | 3.0231% | 1,788 |
| Net interest margin | 3.3279% | 5,933 |
| Noninterest income to average assets | 0.4875% | 4,719 |
| Noninterest expense to average assets | 2.3869% | 6,438 |
| Loan and lease loss provision to assets | 2.2150% | 520 |
| Net operating income to assets | -0.7365% | 7,090 |
| Return on assets (ROA) | -0.7264% | 6,985 |
| Pretax return on assets | -1.1511% | 7,091 |
| Return on Equity (ROE) | -6.4596% | 6,995 |
| Retained earnings to average equity (ytd only) | -13.9528% | 7,399 |
| Net charge-offs to loans | 2.5631% | 364 |
| Credit loss provision to net charge-offs | 121.7318% | 4,413 |
| Earnings coverage of net charge-offs (x) | 0.5760% | 5,876 |
| Efficiency ratio | 68.4340% | 4,648 |
| Assets per employee ($millions) | 4.4822% | 2,643 |
| Cash dividends to net income (ytd only)* | -116.0016% | 8,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 1,020 |
| Loan loss allowance to noncurrent loans | 64.1092% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.9214% | 1,585 |
| Noncurrent loans to loans | 3.3313% | 1,557 |
| Net loans and leases to total assets | 65.3444% | 4,982 |
| Net loans and leases to deposits | 79.4589% | 5,140 |
| Net loans and leases to core deposits | 99.5478% | 4,865 |
| Total domestic deposits to total assets | 82.2367% | 4,105 |
| Equity capital to assets | 12.3793% | 2,073 |
| Core capital (leverage) ratio | 8.3572% | 5,839 |
| Tier 1 risk-based capital ratio | 11.4240% | 5,313 |
| Total risk-based capital ratio | 13.1796% | 4,765 |
| Memoranda: | ||
| Average total assets | $8,307,153,400 | 129 |
| Average earning assets | $7,357,292,400 | 127 |
| Average equity | $934,179,200 | 120 |
| Average total loans | $5,897,337,400 | 122 |