Home > Amarillo National Bank > Performance and Condition Ratios
Amarillo National 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 | 7.0355% | 215 |
| Cost of funding earning assets | 2.9846% | 149 |
| Net interest margin | 4.0509% | 1,131 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 1.9230% | 3,790 |
| Loan and lease loss provision to assets | 1.5500% | 41 |
| Net operating income to assets | 1.1567% | 1,763 |
| Return on assets (ROA) | 1.1685% | 1,704 |
| Pretax return on assets | 1.1685% | 2,220 |
| Return on Equity (ROE) | 12.0400% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.9703% | 1,901 |
| Net charge-offs to loans | 1.8299% | 48 |
| Credit loss provision to net charge-offs | 105.3872% | 1,791 |
| Earnings coverage of net charge-offs (x) | 1.8407% | 2,739 |
| Efficiency ratio | 40.2177% | 4,357 |
| Assets per employee ($millions) | 10.3089% | 643 |
| Cash dividends to net income (ytd only)* | 42.0933% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,085 |
| Loan loss allowance to noncurrent loans | 78.4795% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 281 |
| Noncurrent loans to loans | 1.5754% | 419 |
| Net loans and leases to total assets | 77.3200% | 932 |
| Net loans and leases to deposits | 88.1094% | 1,420 |
| Net loans and leases to core deposits | 98.4007% | 1,526 |
| Total domestic deposits to total assets | 87.7500% | 1,438 |
| Equity capital to assets | 9.5806% | 2,286 |
| Core capital (leverage) ratio | 9.4927% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4918% | 2,721 |
| Memoranda: | ||
| Average total assets | $8,685,193,600 | 175 |
| Average earning assets | $8,260,306,600 | 168 |
| Average equity | $843,089,200 | 186 |
| Average total loans | $6,977,149,600 | 160 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9219% | 208 |
| Cost of funding earning assets | 2.8308% | 147 |
| Net interest margin | 4.0911% | 1,081 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 1.9860% | 3,628 |
| Loan and lease loss provision to assets | 1.8300% | 35 |
| Net operating income to assets | 0.8678% | 2,806 |
| Return on assets (ROA) | 0.8737% | 2,764 |
| Pretax return on assets | 0.8737% | 3,162 |
| Return on Equity (ROE) | 8.9700% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.1925% | 3,465 |
| Net charge-offs to loans | 2.1330% | 39 |
| Credit loss provision to net charge-offs | 105.7927% | 1,577 |
| Earnings coverage of net charge-offs (x) | 1.5609% | 2,527 |
| Efficiency ratio | 41.0867% | 4,330 |
| Assets per employee ($millions) | 9.9983% | 666 |
| Cash dividends to net income (ytd only)* | 64.4083% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,061 |
| Loan loss allowance to noncurrent loans | 90.2493% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 321 |
| Noncurrent loans to loans | 1.3945% | 543 |
| Net loans and leases to total assets | 78.7800% | 779 |
| Net loans and leases to deposits | 89.3323% | 1,284 |
| Net loans and leases to core deposits | 100.2267% | 1,309 |
| Total domestic deposits to total assets | 88.1900% | 1,512 |
| Equity capital to assets | 9.4411% | 2,135 |
| Core capital (leverage) ratio | 9.4289% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1502% | 2,795 |
| Memoranda: | ||
| Average total assets | $8,565,332,250 | 179 |
| Average earning assets | $8,146,894,750 | 170 |
| Average equity | $834,355,000 | 190 |
| Average total loans | $6,927,788,750 | 163 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7625% | 205 |
| Cost of funding earning assets | 2.6098% | 155 |
| Net interest margin | 4.1527% | 999 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.0897% | 3,374 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 2.1420% | 378 |
| Return on assets (ROA) | 2.1542% | 372 |
| Pretax return on assets | 2.1542% | 573 |
| Return on Equity (ROE) | 21.8800% | 548 |
| Retained earnings to average equity (ytd only) | 13.1299% | 788 |
| Net charge-offs to loans | 0.4149% | 204 |
| Credit loss provision to net charge-offs | 144.9630% | 1,215 |
| Earnings coverage of net charge-offs (x) | 7.8027% | 2,072 |
| Efficiency ratio | 42.8815% | 4,305 |
| Assets per employee ($millions) | 9.6473% | 740 |
| Cash dividends to net income (ytd only)* | 39.9967% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,237 |
| Loan loss allowance to noncurrent loans | 149.5425% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 571 |
| Noncurrent loans to loans | 0.8284% | 927 |
| Net loans and leases to total assets | 82.1300% | 412 |
| Net loans and leases to deposits | 93.7377% | 887 |
| Net loans and leases to core deposits | 107.0039% | 948 |
| Total domestic deposits to total assets | 87.6200% | 1,739 |
| Equity capital to assets | 10.0980% | 1,800 |
| Core capital (leverage) ratio | 10.0457% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4844% | 2,769 |
| Memoranda: | ||
| Average total assets | $8,490,954,333 | 174 |
| Average earning assets | $8,075,830,667 | 165 |
| Average equity | $835,896,333 | 180 |
| Average total loans | $6,899,813,333 | 158 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5459% | 171 |
| Cost of funding earning assets | 2.3309% | 138 |
| Net interest margin | 4.2150% | 927 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.2572% | 2,937 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 2.1424% | 406 |
| Return on assets (ROA) | 2.1576% | 389 |
| Pretax return on assets | 2.1576% | 606 |
| Return on Equity (ROE) | 22.2100% | 565 |
| Retained earnings to average equity (ytd only) | 13.2603% | 1,048 |
| Net charge-offs to loans | 0.2705% | 281 |
| Credit loss provision to net charge-offs | 168.8453% | 903 |
| Earnings coverage of net charge-offs (x) | 11.5521% | 1,634 |
| Efficiency ratio | 45.9489% | 4,221 |
| Assets per employee ($millions) | 9.6918% | 762 |
| Cash dividends to net income (ytd only)* | 40.2864% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,282 |
| Loan loss allowance to noncurrent loans | 145.9429% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 509 |
| Noncurrent loans to loans | 0.8578% | 884 |
| Net loans and leases to total assets | 79.3200% | 610 |
| Net loans and leases to deposits | 90.5031% | 1,012 |
| Net loans and leases to core deposits | 104.9022% | 881 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 9.9063% | 1,866 |
| Core capital (leverage) ratio | 9.8163% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4228% | 2,872 |
| Memoranda: | ||
| Average total assets | $8,453,049,000 | 182 |
| Average earning assets | $8,045,928,000 | 173 |
| Average equity | $821,307,500 | 189 |
| Average total loans | $6,787,500,500 | 166 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 808 |
| Cost of funding earning assets | 0.8646% | 295 |
| Net interest margin | 3.5806% | 1,700 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.1022% | 3,288 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 1.8243% | 416 |
| Return on assets (ROA) | 1.8198% | 403 |
| Pretax return on assets | 1.8198% | 703 |
| Return on Equity (ROE) | 19.0900% | 564 |
| Retained earnings to average equity (ytd only) | 11.1722% | 846 |
| Net charge-offs to loans | 0.2104% | 393 |
| Credit loss provision to net charge-offs | 200.0158% | 1,117 |
| Earnings coverage of net charge-offs (x) | 13.6988% | 2,058 |
| Efficiency ratio | 47.7758% | 4,253 |
| Assets per employee ($millions) | 9.4152% | 806 |
| Cash dividends to net income (ytd only)* | 41.4842% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,359 |
| Loan loss allowance to noncurrent loans | 287.2025% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 953 |
| Noncurrent loans to loans | 0.4198% | 1,671 |
| Net loans and leases to total assets | 79.3000% | 669 |
| Net loans and leases to deposits | 89.8102% | 1,066 |
| Net loans and leases to core deposits | 103.3830% | 843 |
| Total domestic deposits to total assets | 88.3000% | 1,970 |
| Equity capital to assets | 9.5260% | 1,985 |
| Core capital (leverage) ratio | 9.6400% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1155% | 2,951 |
| Memoranda: | ||
| Average total assets | $8,095,286,200 | 185 |
| Average earning assets | $7,724,200,400 | 178 |
| Average equity | $771,611,200 | 200 |
| Average total loans | $6,001,059,200 | 169 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 1,337 |
| Cost of funding earning assets | 0.5424% | 600 |
| Net interest margin | 3.4236% | 1,902 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.1382% | 3,105 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.6788% | 556 |
| Return on assets (ROA) | 1.6651% | 559 |
| Pretax return on assets | 1.6651% | 969 |
| Return on Equity (ROE) | 17.4700% | 714 |
| Retained earnings to average equity (ytd only) | 9.8200% | 1,399 |
| Net charge-offs to loans | 0.2443% | 277 |
| Credit loss provision to net charge-offs | 162.2003% | 1,091 |
| Earnings coverage of net charge-offs (x) | 11.1000% | 1,960 |
| Efficiency ratio | 50.1587% | 4,149 |
| Assets per employee ($millions) | 9.5008% | 760 |
| Cash dividends to net income (ytd only)* | 43.7796% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,477 |
| Loan loss allowance to noncurrent loans | 261.6407% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 994 |
| Noncurrent loans to loans | 0.4624% | 1,644 |
| Net loans and leases to total assets | 74.4700% | 1,060 |
| Net loans and leases to deposits | 84.0579% | 1,296 |
| Net loans and leases to core deposits | 95.9445% | 1,004 |
| Total domestic deposits to total assets | 88.6000% | 2,244 |
| Equity capital to assets | 9.3215% | 2,003 |
| Core capital (leverage) ratio | 9.6055% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5211% | 2,942 |
| Memoranda: | ||
| Average total assets | $8,005,385,250 | 186 |
| Average earning assets | $7,644,504,750 | 178 |
| Average equity | $763,160,000 | 198 |
| Average total loans | $5,804,641,000 | 171 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 1,915 |
| Cost of funding earning assets | 0.2948% | 1,767 |
| Net interest margin | 3.2808% | 1,965 |
| Noninterest income to average assets | 0.8193% | 1,002 |
| Noninterest expense to average assets | 2.0417% | 3,319 |
| Loan and lease loss provision to assets | 0.3037% | 217 |
| Net operating income to assets | 1.6094% | 538 |
| Return on assets (ROA) | 1.5971% | 537 |
| Pretax return on assets | 1.5971% | 943 |
| Return on Equity (ROE) | 16.6237% | 620 |
| Retained earnings to average equity (ytd only) | 9.3533% | 1,187 |
| Net charge-offs to loans | 0.3240% | 213 |
| Credit loss provision to net charge-offs | 131.0902% | 1,153 |
| Earnings coverage of net charge-offs (x) | 8.2578% | 1,825 |
| Efficiency ratio | 49.5520% | 4,276 |
| Assets per employee ($millions) | 9.0007% | 889 |
| Cash dividends to net income (ytd only)* | 43.7352% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,495 |
| Loan loss allowance to noncurrent loans | 204.9528% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 1,276 |
| Noncurrent loans to loans | 0.6028% | 1,405 |
| Net loans and leases to total assets | 72.7924% | 1,030 |
| Net loans and leases to deposits | 82.2823% | 1,228 |
| Net loans and leases to core deposits | 89.1144% | 1,170 |
| Total domestic deposits to total assets | 88.4667% | 2,398 |
| Equity capital to assets | 9.6262% | 1,922 |
| Core capital (leverage) ratio | 9.5045% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8534% | 2,846 |
| Memoranda: | ||
| Average total assets | $7,902,770,000 | 184 |
| Average earning assets | $7,552,433,000 | 179 |
| Average equity | $759,239,667 | 199 |
| Average total loans | $5,650,597,000 | 169 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 2,406 |
| Cost of funding earning assets | 0.1971% | 2,843 |
| Net interest margin | 3.0960% | 2,188 |
| Noninterest income to average assets | 0.8221% | 990 |
| Noninterest expense to average assets | 1.9925% | 3,443 |
| Loan and lease loss provision to assets | 0.1266% | 653 |
| Net operating income to assets | 1.6629% | 444 |
| Return on assets (ROA) | 1.6694% | 439 |
| Pretax return on assets | 1.6694% | 728 |
| Return on Equity (ROE) | 17.3937% | 380 |
| Retained earnings to average equity (ytd only) | 9.6308% | 1,114 |
| Net charge-offs to loans | 0.0488% | 800 |
| Credit loss provision to net charge-offs | 368.7316% | 608 |
| Earnings coverage of net charge-offs (x) | 52.1180% | 910 |
| Efficiency ratio | 50.4747% | 4,290 |
| Assets per employee ($millions) | 9.1924% | 857 |
| Cash dividends to net income (ytd only)* | 44.6305% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,424 |
| Loan loss allowance to noncurrent loans | 322.2469% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 2,015 |
| Noncurrent loans to loans | 0.3994% | 2,061 |
| Net loans and leases to total assets | 68.7382% | 1,134 |
| Net loans and leases to deposits | 78.5691% | 1,245 |
| Net loans and leases to core deposits | 85.1187% | 1,178 |
| Total domestic deposits to total assets | 87.4876% | 2,750 |
| Equity capital to assets | 9.6518% | 2,176 |
| Core capital (leverage) ratio | 9.4185% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3695% | 2,813 |
| Memoranda: | ||
| Average total assets | $7,898,346,500 | 186 |
| Average earning assets | $7,551,102,000 | 181 |
| Average equity | $758,066,000 | 204 |
| Average total loans | $5,560,345,500 | 171 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 3,045 |
| Cost of funding earning assets | 0.2221% | 3,231 |
| Net interest margin | 3.1301% | 2,805 |
| Noninterest income to average assets | 1.0009% | 1,003 |
| Noninterest expense to average assets | 2.0761% | 3,452 |
| Loan and lease loss provision to assets | 0.1577% | 758 |
| Net operating income to assets | 1.7573% | 561 |
| Return on assets (ROA) | 1.7588% | 584 |
| Pretax return on assets | 1.7588% | 1,005 |
| Return on Equity (ROE) | 18.3693% | 433 |
| Retained earnings to average equity (ytd only) | 11.2511% | 656 |
| Net charge-offs to loans | 0.0250% | 1,745 |
| Credit loss provision to net charge-offs | 895.9757% | 571 |
| Earnings coverage of net charge-offs (x) | 108.8261% | 842 |
| Efficiency ratio | 49.6180% | 4,313 |
| Assets per employee ($millions) | 9.2404% | 854 |
| Cash dividends to net income (ytd only)* | 38.7503% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,708 |
| Loan loss allowance to noncurrent loans | 278.3060% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 1,971 |
| Noncurrent loans to loans | 0.4438% | 2,027 |
| Net loans and leases to total assets | 70.2892% | 1,016 |
| Net loans and leases to deposits | 79.8554% | 1,233 |
| Net loans and leases to core deposits | 84.8523% | 1,273 |
| Total domestic deposits to total assets | 88.0206% | 2,034 |
| Equity capital to assets | 9.5434% | 3,107 |
| Core capital (leverage) ratio | 9.3219% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1583% | 2,849 |
| Memoranda: | ||
| Average total assets | $7,484,420,000 | 195 |
| Average earning assets | $7,149,760,600 | 186 |
| Average equity | $716,603,200 | 211 |
| Average total loans | $5,274,222,400 | 185 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3661% | 3,199 |
| Cost of funding earning assets | 0.2349% | 3,263 |
| Net interest margin | 3.1311% | 2,959 |
| Noninterest income to average assets | 1.0286% | 1,018 |
| Noninterest expense to average assets | 2.1243% | 3,294 |
| Loan and lease loss provision to assets | 0.1706% | 639 |
| Net operating income to assets | 1.7229% | 789 |
| Return on assets (ROA) | 1.7292% | 811 |
| Pretax return on assets | 1.7292% | 1,338 |
| Return on Equity (ROE) | 18.0441% | 626 |
| Retained earnings to average equity (ytd only) | 11.7957% | 878 |
| Net charge-offs to loans | 0.0616% | 1,021 |
| Credit loss provision to net charge-offs | 393.9141% | 864 |
| Earnings coverage of net charge-offs (x) | 43.7311% | 1,310 |
| Efficiency ratio | 50.4173% | 4,183 |
| Assets per employee ($millions) | 8.9229% | 915 |
| Cash dividends to net income (ytd only)* | 34.6283% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,716 |
| Loan loss allowance to noncurrent loans | 350.9713% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,540 |
| Noncurrent loans to loans | 0.3570% | 2,496 |
| Net loans and leases to total assets | 68.3358% | 1,283 |
| Net loans and leases to deposits | 78.0148% | 1,480 |
| Net loans and leases to core deposits | 83.3415% | 1,471 |
| Total domestic deposits to total assets | 87.5933% | 2,065 |
| Equity capital to assets | 9.7461% | 3,156 |
| Core capital (leverage) ratio | 9.2609% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6829% | 2,808 |
| Memoranda: | ||
| Average total assets | $7,387,323,500 | 198 |
| Average earning assets | $7,052,408,250 | 190 |
| Average equity | $707,921,250 | 213 |
| Average total loans | $5,192,045,250 | 187 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 3,290 |
| Cost of funding earning assets | 0.2521% | 3,264 |
| Net interest margin | 3.1067% | 3,014 |
| Noninterest income to average assets | 1.0418% | 1,010 |
| Noninterest expense to average assets | 2.1766% | 3,167 |
| Loan and lease loss provision to assets | 0.1571% | 744 |
| Net operating income to assets | 1.6714% | 916 |
| Return on assets (ROA) | 1.6838% | 945 |
| Pretax return on assets | 1.6838% | 1,522 |
| Return on Equity (ROE) | 17.6746% | 691 |
| Retained earnings to average equity (ytd only) | 11.3491% | 1,049 |
| Net charge-offs to loans | 0.0609% | 1,000 |
| Credit loss provision to net charge-offs | 364.8477% | 806 |
| Earnings coverage of net charge-offs (x) | 42.4727% | 1,132 |
| Efficiency ratio | 51.8217% | 4,064 |
| Assets per employee ($millions) | 8.6675% | 964 |
| Cash dividends to net income (ytd only)* | 35.7884% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,826 |
| Loan loss allowance to noncurrent loans | 299.3526% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 2,524 |
| Noncurrent loans to loans | 0.4072% | 2,459 |
| Net loans and leases to total assets | 67.8990% | 1,458 |
| Net loans and leases to deposits | 77.5054% | 1,679 |
| Net loans and leases to core deposits | 82.6122% | 1,670 |
| Total domestic deposits to total assets | 87.6056% | 2,037 |
| Equity capital to assets | 9.5284% | 3,308 |
| Core capital (leverage) ratio | 8.9201% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5394% | 2,848 |
| Memoranda: | ||
| Average total assets | $7,321,607,333 | 198 |
| Average earning assets | $6,983,646,000 | 191 |
| Average equity | $697,498,000 | 212 |
| Average total loans | $5,173,170,000 | 189 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 3,299 |
| Cost of funding earning assets | 0.2608% | 3,372 |
| Net interest margin | 3.1024% | 2,980 |
| Noninterest income to average assets | 1.0409% | 1,069 |
| Noninterest expense to average assets | 2.0930% | 3,443 |
| Loan and lease loss provision to assets | 0.2213% | 525 |
| Net operating income to assets | 1.6868% | 965 |
| Return on assets (ROA) | 1.6915% | 1,008 |
| Pretax return on assets | 1.6915% | 1,512 |
| Return on Equity (ROE) | 17.7579% | 753 |
| Retained earnings to average equity (ytd only) | 10.6192% | 1,488 |
| Net charge-offs to loans | 0.1083% | 644 |
| Credit loss provision to net charge-offs | 285.3067% | 782 |
| Earnings coverage of net charge-offs (x) | 24.5984% | 1,171 |
| Efficiency ratio | 49.7110% | 4,211 |
| Assets per employee ($millions) | 8.7269% | 905 |
| Cash dividends to net income (ytd only)* | 40.2002% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,009 |
| Loan loss allowance to noncurrent loans | 282.3532% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 2,674 |
| Noncurrent loans to loans | 0.4192% | 2,598 |
| Net loans and leases to total assets | 69.1642% | 1,396 |
| Net loans and leases to deposits | 79.3176% | 1,587 |
| Net loans and leases to core deposits | 84.8851% | 1,595 |
| Total domestic deposits to total assets | 87.1991% | 2,230 |
| Equity capital to assets | 9.4147% | 3,279 |
| Core capital (leverage) ratio | 9.1198% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3788% | 2,845 |
| Memoranda: | ||
| Average total assets | $7,229,368,500 | 199 |
| Average earning assets | $6,898,109,000 | 189 |
| Average equity | $688,641,000 | 213 |
| Average total loans | $5,180,031,000 | 190 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 2,887 |
| Cost of funding earning assets | 0.5069% | 2,911 |
| Net interest margin | 3.4392% | 2,647 |
| Noninterest income to average assets | 1.1603% | 809 |
| Noninterest expense to average assets | 2.2833% | 3,452 |
| Loan and lease loss provision to assets | 0.6602% | 273 |
| Net operating income to assets | 1.4772% | 861 |
| Return on assets (ROA) | 1.4865% | 913 |
| Pretax return on assets | 1.4865% | 1,378 |
| Return on Equity (ROE) | 14.5137% | 714 |
| Retained earnings to average equity (ytd only) | 8.4501% | 924 |
| Net charge-offs to loans | 0.6771% | 222 |
| Credit loss provision to net charge-offs | 127.9070% | 2,569 |
| Earnings coverage of net charge-offs (x) | 4.1411% | 3,022 |
| Efficiency ratio | 48.7603% | 4,598 |
| Assets per employee ($millions) | 8.2457% | 952 |
| Cash dividends to net income (ytd only)* | 41.7781% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,292 |
| Loan loss allowance to noncurrent loans | 234.1762% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 2,563 |
| Noncurrent loans to loans | 0.4840% | 2,519 |
| Net loans and leases to total assets | 72.5611% | 1,219 |
| Net loans and leases to deposits | 83.1418% | 1,531 |
| Net loans and leases to core deposits | 89.6204% | 1,557 |
| Total domestic deposits to total assets | 87.2740% | 1,809 |
| Equity capital to assets | 9.6419% | 3,464 |
| Core capital (leverage) ratio | 9.2814% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1213% | 2,891 |
| Memoranda: | ||
| Average total assets | $6,331,789,200 | 210 |
| Average earning assets | $6,002,501,200 | 202 |
| Average equity | $648,497,600 | 220 |
| Average total loans | $4,826,564,600 | 191 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 2,914 |
| Cost of funding earning assets | 0.5813% | 2,730 |
| Net interest margin | 3.4391% | 2,783 |
| Noninterest income to average assets | 1.1889% | 755 |
| Noninterest expense to average assets | 2.3166% | 3,376 |
| Loan and lease loss provision to assets | 0.7761% | 244 |
| Net operating income to assets | 1.3530% | 1,224 |
| Return on assets (ROA) | 1.3570% | 1,315 |
| Pretax return on assets | 1.3570% | 1,861 |
| Return on Equity (ROE) | 13.0307% | 1,104 |
| Retained earnings to average equity (ytd only) | 7.0091% | 1,686 |
| Net charge-offs to loans | 0.8239% | 164 |
| Credit loss provision to net charge-offs | 122.2761% | 2,488 |
| Earnings coverage of net charge-offs (x) | 3.3544% | 2,919 |
| Efficiency ratio | 49.1071% | 4,549 |
| Assets per employee ($millions) | 7.4843% | 1,225 |
| Cash dividends to net income (ytd only)* | 46.2106% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,204 |
| Loan loss allowance to noncurrent loans | 194.6412% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 2,357 |
| Noncurrent loans to loans | 0.5659% | 2,382 |
| Net loans and leases to total assets | 79.2940% | 677 |
| Net loans and leases to deposits | 91.2851% | 1,132 |
| Net loans and leases to core deposits | 99.0602% | 1,236 |
| Total domestic deposits to total assets | 86.8641% | 1,719 |
| Equity capital to assets | 10.3943% | 2,875 |
| Core capital (leverage) ratio | 9.2797% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1165% | 2,892 |
| Memoranda: | ||
| Average total assets | $6,150,159,500 | 210 |
| Average earning assets | $5,823,984,000 | 203 |
| Average equity | $640,482,750 | 217 |
| Average total loans | $4,738,130,250 | 194 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 3,041 |
| Cost of funding earning assets | 0.6717% | 2,546 |
| Net interest margin | 3.4333% | 2,998 |
| Noninterest income to average assets | 1.1448% | 766 |
| Noninterest expense to average assets | 2.2769% | 3,585 |
| Loan and lease loss provision to assets | 0.8648% | 264 |
| Net operating income to assets | 1.2522% | 1,488 |
| Return on assets (ROA) | 1.2540% | 1,600 |
| Pretax return on assets | 1.2540% | 2,173 |
| Return on Equity (ROE) | 12.0334% | 1,326 |
| Retained earnings to average equity (ytd only) | 4.5347% | 2,689 |
| Net charge-offs to loans | 0.9927% | 150 |
| Credit loss provision to net charge-offs | 114.7019% | 2,313 |
| Earnings coverage of net charge-offs (x) | 2.8078% | 2,733 |
| Efficiency ratio | 48.7057% | 4,578 |
| Assets per employee ($millions) | 7.9939% | 967 |
| Cash dividends to net income (ytd only)* | 62.3155% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,095 |
| Loan loss allowance to noncurrent loans | 178.2587% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,532 |
| Noncurrent loans to loans | 0.6142% | 2,322 |
| Net loans and leases to total assets | 71.4216% | 1,811 |
| Net loans and leases to deposits | 81.5090% | 2,259 |
| Net loans and leases to core deposits | 88.5825% | 2,190 |
| Total domestic deposits to total assets | 87.6241% | 1,366 |
| Equity capital to assets | 9.5717% | 3,587 |
| Core capital (leverage) ratio | 9.3316% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1353% | 2,928 |
| Memoranda: | ||
| Average total assets | $6,082,159,333 | 208 |
| Average earning assets | $5,755,819,333 | 201 |
| Average equity | $633,821,000 | 219 |
| Average total loans | $4,619,313,000 | 193 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 2,284 |
| Cost of funding earning assets | 0.9193% | 1,772 |
| Net interest margin | 3.5925% | 2,693 |
| Noninterest income to average assets | 1.1043% | 707 |
| Noninterest expense to average assets | 2.3851% | 3,563 |
| Loan and lease loss provision to assets | 0.5750% | 487 |
| Net operating income to assets | 1.5306% | 724 |
| Return on assets (ROA) | 1.4896% | 876 |
| Pretax return on assets | 1.4896% | 1,331 |
| Return on Equity (ROE) | 13.6492% | 770 |
| Retained earnings to average equity (ytd only) | 5.9816% | 1,880 |
| Net charge-offs to loans | 0.5581% | 267 |
| Credit loss provision to net charge-offs | 131.8926% | 1,656 |
| Earnings coverage of net charge-offs (x) | 4.8297% | 2,111 |
| Efficiency ratio | 49.8581% | 4,675 |
| Assets per employee ($millions) | 7.0022% | 1,085 |
| Cash dividends to net income (ytd only)* | 56.1762% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,939 |
| Loan loss allowance to noncurrent loans | 114.7068% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 1,752 |
| Noncurrent loans to loans | 1.0015% | 1,653 |
| Net loans and leases to total assets | 75.9438% | 1,313 |
| Net loans and leases to deposits | 87.9361% | 1,754 |
| Net loans and leases to core deposits | 95.6130% | 1,831 |
| Total domestic deposits to total assets | 86.3625% | 1,842 |
| Equity capital to assets | 10.8725% | 2,970 |
| Core capital (leverage) ratio | 10.0737% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7394% | 3,172 |
| Memoranda: | ||
| Average total assets | $5,773,777,000 | 211 |
| Average earning assets | $5,442,433,500 | 203 |
| Average equity | $630,131,000 | 222 |
| Average total loans | $4,510,248,500 | 193 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 1,249 |
| Cost of funding earning assets | 1.1278% | 1,233 |
| Net interest margin | 3.9563% | 1,980 |
| Noninterest income to average assets | 1.0631% | 840 |
| Noninterest expense to average assets | 2.6268% | 3,103 |
| Loan and lease loss provision to assets | 0.3062% | 540 |
| Net operating income to assets | 1.8540% | 475 |
| Return on assets (ROA) | 1.8548% | 494 |
| Pretax return on assets | 1.8548% | 827 |
| Return on Equity (ROE) | 16.4769% | 477 |
| Retained earnings to average equity (ytd only) | -19.6116% | 5,136 |
| Net charge-offs to loans | 0.2531% | 815 |
| Credit loss provision to net charge-offs | 153.3640% | 1,666 |
| Earnings coverage of net charge-offs (x) | 10.8190% | 2,544 |
| Efficiency ratio | 51.9011% | 4,611 |
| Assets per employee ($millions) | 6.7785% | 1,138 |
| Cash dividends to net income (ytd only)* | 219.0248% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 2,979 |
| Loan loss allowance to noncurrent loans | 120.0121% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 1,764 |
| Noncurrent loans to loans | 0.9125% | 1,684 |
| Net loans and leases to total assets | 78.5689% | 995 |
| Net loans and leases to deposits | 91.0170% | 1,481 |
| Net loans and leases to core deposits | 98.6584% | 1,682 |
| Total domestic deposits to total assets | 86.3234% | 1,924 |
| Equity capital to assets | 10.9559% | 3,050 |
| Core capital (leverage) ratio | 9.6063% | 3,956 |
| Tier 1 risk-based capital ratio | 10.4483% | 5,033 |
| Total risk-based capital ratio | 11.4608% | 5,032 |
| Memoranda: | ||
| Average total assets | $5,233,164,400 | 217 |
| Average earning assets | $4,925,906,800 | 211 |
| Average equity | $589,086,000 | 222 |
| Average total loans | $4,129,186,400 | 201 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 1,192 |
| Cost of funding earning assets | 1.1297% | 1,244 |
| Net interest margin | 4.0063% | 1,911 |
| Noninterest income to average assets | 1.0631% | 810 |
| Noninterest expense to average assets | 2.6801% | 2,919 |
| Loan and lease loss provision to assets | 0.2977% | 498 |
| Net operating income to assets | 1.8576% | 557 |
| Return on assets (ROA) | 1.8586% | 580 |
| Pretax return on assets | 1.8586% | 965 |
| Return on Equity (ROE) | 16.3891% | 552 |
| Retained earnings to average equity (ytd only) | -30.4575% | 5,228 |
| Net charge-offs to loans | 0.2263% | 783 |
| Credit loss provision to net charge-offs | 167.0810% | 1,504 |
| Earnings coverage of net charge-offs (x) | 12.0951% | 2,386 |
| Efficiency ratio | 52.5810% | 4,550 |
| Assets per employee ($millions) | 6.4162% | 1,319 |
| Cash dividends to net income (ytd only)* | 285.8401% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 2,910 |
| Loan loss allowance to noncurrent loans | 168.7240% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 2,372 |
| Noncurrent loans to loans | 0.6661% | 2,290 |
| Net loans and leases to total assets | 79.3472% | 938 |
| Net loans and leases to deposits | 92.0725% | 1,429 |
| Net loans and leases to core deposits | 100.3880% | 1,632 |
| Total domestic deposits to total assets | 86.1791% | 1,913 |
| Equity capital to assets | 11.2679% | 2,864 |
| Core capital (leverage) ratio | 9.8843% | 3,753 |
| Tier 1 risk-based capital ratio | 10.3171% | 5,131 |
| Total risk-based capital ratio | 11.3379% | 5,113 |
| Memoranda: | ||
| Average total assets | $5,116,283,250 | 222 |
| Average earning assets | $4,817,485,000 | 215 |
| Average equity | $580,217,500 | 229 |
| Average total loans | $4,029,342,250 | 206 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 1,348 |
| Cost of funding earning assets | 1.0960% | 1,315 |
| Net interest margin | 3.9561% | 2,075 |
| Noninterest income to average assets | 1.0432% | 795 |
| Noninterest expense to average assets | 2.6526% | 3,049 |
| Loan and lease loss provision to assets | 0.2885% | 487 |
| Net operating income to assets | 1.8335% | 557 |
| Return on assets (ROA) | 1.8351% | 581 |
| Pretax return on assets | 1.8351% | 962 |
| Return on Equity (ROE) | 16.1449% | 567 |
| Retained earnings to average equity (ytd only) | -52.2229% | 5,288 |
| Net charge-offs to loans | 0.2140% | 777 |
| Credit loss provision to net charge-offs | 172.4138% | 1,355 |
| Earnings coverage of net charge-offs (x) | 12.6799% | 2,141 |
| Efficiency ratio | 53.0087% | 4,564 |
| Assets per employee ($millions) | 6.4658% | 1,254 |
| Cash dividends to net income (ytd only)* | 423.4640% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,043 |
| Loan loss allowance to noncurrent loans | 205.3582% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 2,772 |
| Noncurrent loans to loans | 0.5384% | 2,659 |
| Net loans and leases to total assets | 77.7871% | 1,260 |
| Net loans and leases to deposits | 90.1993% | 1,713 |
| Net loans and leases to core deposits | 104.5121% | 1,340 |
| Total domestic deposits to total assets | 86.2391% | 1,919 |
| Equity capital to assets | 10.9024% | 3,174 |
| Core capital (leverage) ratio | 9.7948% | 3,834 |
| Tier 1 risk-based capital ratio | 10.0803% | 5,214 |
| Total risk-based capital ratio | 11.0827% | 5,208 |
| Memoranda: | ||
| Average total assets | $5,025,161,670 | 228 |
| Average earning assets | $4,739,765,000 | 219 |
| Average equity | $571,189,670 | 230 |
| Average total loans | $3,930,742,330 | 210 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 2,087 |
| Cost of funding earning assets | 1.0767% | 1,269 |
| Net interest margin | 3.6618% | 3,039 |
| Noninterest income to average assets | 1.0134% | 778 |
| Noninterest expense to average assets | 2.3696% | 3,844 |
| Loan and lease loss provision to assets | 0.3332% | 369 |
| Net operating income to assets | 1.7725% | 619 |
| Return on assets (ROA) | 1.7758% | 628 |
| Pretax return on assets | 1.7758% | 1,032 |
| Return on Equity (ROE) | 15.2738% | 699 |
| Retained earnings to average equity (ytd only) | -117.9609% | 5,352 |
| Net charge-offs to loans | 0.2844% | 520 |
| Credit loss provision to net charge-offs | 150.2426% | 1,230 |
| Earnings coverage of net charge-offs (x) | 9.4946% | 2,023 |
| Efficiency ratio | 51.8091% | 4,709 |
| Assets per employee ($millions) | 6.6864% | 1,149 |
| Cash dividends to net income (ytd only)* | 872.3090% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,142 |
| Loan loss allowance to noncurrent loans | 197.6775% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 2,817 |
| Noncurrent loans to loans | 0.5553% | 2,658 |
| Net loans and leases to total assets | 77.1779% | 1,294 |
| Net loans and leases to deposits | 89.4393% | 1,696 |
| Net loans and leases to core deposits | 103.3161% | 1,365 |
| Total domestic deposits to total assets | 86.2909% | 2,145 |
| Equity capital to assets | 10.7575% | 3,092 |
| Core capital (leverage) ratio | 9.3660% | 4,298 |
| Tier 1 risk-based capital ratio | 9.9862% | 5,288 |
| Total risk-based capital ratio | 10.9803% | 5,291 |
| Memoranda: | ||
| Average total assets | $4,831,808,000 | 236 |
| Average earning assets | $4,568,111,500 | 226 |
| Average equity | $561,772,500 | 232 |
| Average total loans | $3,767,714,000 | 223 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 2,307 |
| Cost of funding earning assets | 0.7744% | 1,666 |
| Net interest margin | 3.7731% | 2,766 |
| Noninterest income to average assets | 1.1882% | 652 |
| Noninterest expense to average assets | 2.4063% | 3,862 |
| Loan and lease loss provision to assets | 0.3303% | 479 |
| Net operating income to assets | 2.0511% | 319 |
| Return on assets (ROA) | 2.0519% | 319 |
| Pretax return on assets | 2.0519% | 493 |
| Return on Equity (ROE) | 15.9128% | 651 |
| Retained earnings to average equity (ytd only) | 9.0545% | 846 |
| Net charge-offs to loans | 0.3912% | 480 |
| Credit loss provision to net charge-offs | 105.7414% | 2,414 |
| Earnings coverage of net charge-offs (x) | 7.6243% | 2,972 |
| Efficiency ratio | 50.2583% | 4,924 |
| Assets per employee ($millions) | 6.5684% | 1,186 |
| Cash dividends to net income (ytd only)* | 43.0995% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,069 |
| Loan loss allowance to noncurrent loans | 170.2863% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 2,259 |
| Noncurrent loans to loans | 0.7596% | 2,103 |
| Net loans and leases to total assets | 76.9001% | 1,454 |
| Net loans and leases to deposits | 91.1471% | 1,647 |
| Net loans and leases to core deposits | 105.5141% | 1,304 |
| Total domestic deposits to total assets | 84.3692% | 2,879 |
| Equity capital to assets | 12.6801% | 1,494 |
| Core capital (leverage) ratio | 13.3103% | 1,141 |
| Tier 1 risk-based capital ratio | 14.1148% | 3,237 |
| Total risk-based capital ratio | 15.3067% | 3,199 |
| Memoranda: | ||
| Average total assets | $4,087,465,200 | 262 |
| Average earning assets | $3,899,455,000 | 249 |
| Average equity | $527,065,600 | 234 |
| Average total loans | $3,263,315,400 | 236 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 2,403 |
| Cost of funding earning assets | 0.6918% | 1,892 |
| Net interest margin | 3.7767% | 2,727 |
| Noninterest income to average assets | 1.1908% | 662 |
| Noninterest expense to average assets | 2.4369% | 3,767 |
| Loan and lease loss provision to assets | 0.3170% | 448 |
| Net operating income to assets | 2.0387% | 346 |
| Return on assets (ROA) | 2.0398% | 344 |
| Pretax return on assets | 2.0398% | 564 |
| Return on Equity (ROE) | 15.7478% | 738 |
| Retained earnings to average equity (ytd only) | 8.2896% | 1,520 |
| Net charge-offs to loans | 0.3680% | 442 |
| Credit loss provision to net charge-offs | 107.1829% | 2,149 |
| Earnings coverage of net charge-offs (x) | 7.9662% | 2,759 |
| Efficiency ratio | 50.8449% | 4,894 |
| Assets per employee ($millions) | 6.1052% | 1,412 |
| Cash dividends to net income (ytd only)* | 47.3601% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 1,904 |
| Loan loss allowance to noncurrent loans | 176.2186% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 2,314 |
| Noncurrent loans to loans | 0.7623% | 2,181 |
| Net loans and leases to total assets | 80.4267% | 953 |
| Net loans and leases to deposits | 96.3939% | 1,102 |
| Net loans and leases to core deposits | 112.3955% | 897 |
| Total domestic deposits to total assets | 83.4355% | 3,150 |
| Equity capital to assets | 13.4107% | 1,168 |
| Core capital (leverage) ratio | 13.4414% | 1,124 |
| Tier 1 risk-based capital ratio | 14.3933% | 3,174 |
| Total risk-based capital ratio | 15.6465% | 3,085 |
| Memoranda: | ||
| Average total assets | $4,017,333,750 | 265 |
| Average earning assets | $3,831,256,500 | 251 |
| Average equity | $520,365,250 | 233 |
| Average total loans | $3,228,392,000 | 238 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 2,620 |
| Cost of funding earning assets | 0.6194% | 2,111 |
| Net interest margin | 3.7224% | 2,851 |
| Noninterest income to average assets | 1.1679% | 705 |
| Noninterest expense to average assets | 2.3784% | 3,956 |
| Loan and lease loss provision to assets | 0.3558% | 360 |
| Net operating income to assets | 1.9847% | 391 |
| Return on assets (ROA) | 1.9862% | 387 |
| Pretax return on assets | 1.9862% | 619 |
| Return on Equity (ROE) | 15.5164% | 756 |
| Retained earnings to average equity (ytd only) | 8.3912% | 1,452 |
| Net charge-offs to loans | 0.4068% | 382 |
| Credit loss provision to net charge-offs | 109.3607% | 1,901 |
| Earnings coverage of net charge-offs (x) | 7.1942% | 2,566 |
| Efficiency ratio | 50.4002% | 5,004 |
| Assets per employee ($millions) | 6.2475% | 1,299 |
| Cash dividends to net income (ytd only)* | 45.9203% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 1,905 |
| Loan loss allowance to noncurrent loans | 153.7529% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 2,166 |
| Noncurrent loans to loans | 0.8833% | 1,960 |
| Net loans and leases to total assets | 76.9777% | 1,472 |
| Net loans and leases to deposits | 91.0824% | 1,698 |
| Net loans and leases to core deposits | 105.0490% | 1,308 |
| Total domestic deposits to total assets | 84.5144% | 2,865 |
| Equity capital to assets | 12.7251% | 1,428 |
| Core capital (leverage) ratio | 13.2674% | 1,142 |
| Tier 1 risk-based capital ratio | 14.3069% | 3,203 |
| Total risk-based capital ratio | 15.5736% | 3,119 |
| Memoranda: | ||
| Average total assets | $4,019,400,330 | 261 |
| Average earning assets | $3,834,249,000 | 248 |
| Average equity | $514,513,000 | 232 |
| Average total loans | $3,214,539,670 | 234 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 2,653 |
| Cost of funding earning assets | 0.5575% | 2,337 |
| Net interest margin | 3.7069% | 2,769 |
| Noninterest income to average assets | 1.1508% | 698 |
| Noninterest expense to average assets | 2.4266% | 3,871 |
| Loan and lease loss provision to assets | 0.3007% | 430 |
| Net operating income to assets | 1.9586% | 410 |
| Return on assets (ROA) | 1.9618% | 408 |
| Pretax return on assets | 1.9618% | 629 |
| Return on Equity (ROE) | 15.2782% | 759 |
| Retained earnings to average equity (ytd only) | 8.3144% | 1,723 |
| Net charge-offs to loans | 0.3308% | 463 |
| Credit loss provision to net charge-offs | 112.2218% | 1,436 |
| Earnings coverage of net charge-offs (x) | 8.4330% | 2,032 |
| Efficiency ratio | 51.7836% | 4,976 |
| Assets per employee ($millions) | 5.9735% | 1,539 |
| Cash dividends to net income (ytd only)* | 45.5801% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 1,945 |
| Loan loss allowance to noncurrent loans | 134.3489% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 1,920 |
| Noncurrent loans to loans | 1.0211% | 1,793 |
| Net loans and leases to total assets | 79.5293% | 1,008 |
| Net loans and leases to deposits | 95.4429% | 1,083 |
| Net loans and leases to core deposits | 110.8896% | 955 |
| Total domestic deposits to total assets | 83.3266% | 3,571 |
| Equity capital to assets | 13.0899% | 1,194 |
| Core capital (leverage) ratio | 13.2167% | 1,101 |
| Tier 1 risk-based capital ratio | 14.2272% | 3,264 |
| Total risk-based capital ratio | 15.4980% | 3,177 |
| Memoranda: | ||
| Average total assets | $3,958,052,500 | 264 |
| Average earning assets | $3,774,732,500 | 251 |
| Average equity | $508,227,000 | 235 |
| Average total loans | $3,205,614,500 | 235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,261 |
| Cost of funding earning assets | 0.4013% | 3,243 |
| Net interest margin | 3.6426% | 3,014 |
| Noninterest income to average assets | 1.1828% | 741 |
| Noninterest expense to average assets | 2.3270% | 4,266 |
| Loan and lease loss provision to assets | 0.4097% | 356 |
| Net operating income to assets | 1.9085% | 332 |
| Return on assets (ROA) | 1.9114% | 339 |
| Pretax return on assets | 1.9114% | 592 |
| Return on Equity (ROE) | 15.5329% | 540 |
| Retained earnings to average equity (ytd only) | 7.4999% | 921 |
| Net charge-offs to loans | 0.4997% | 473 |
| Credit loss provision to net charge-offs | 102.2453% | 2,506 |
| Earnings coverage of net charge-offs (x) | 5.7852% | 3,270 |
| Efficiency ratio | 50.0875% | 5,212 |
| Assets per employee ($millions) | 6.0389% | 1,493 |
| Cash dividends to net income (ytd only)* | 51.7161% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,027 |
| Loan loss allowance to noncurrent loans | 196.3975% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,700 |
| Noncurrent loans to loans | 0.6819% | 2,507 |
| Net loans and leases to total assets | 80.2518% | 922 |
| Net loans and leases to deposits | 96.1730% | 1,075 |
| Net loans and leases to core deposits | 110.6329% | 967 |
| Total domestic deposits to total assets | 83.4453% | 3,406 |
| Equity capital to assets | 12.5927% | 1,462 |
| Core capital (leverage) ratio | 12.9900% | 1,144 |
| Tier 1 risk-based capital ratio | 13.7907% | 3,474 |
| Total risk-based capital ratio | 15.0439% | 3,388 |
| Memoranda: | ||
| Average total assets | $3,923,438,600 | 257 |
| Average earning assets | $3,729,427,400 | 245 |
| Average equity | $482,808,400 | 235 |
| Average total loans | $3,146,520,800 | 232 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,469 |
| Cost of funding earning assets | 0.3857% | 3,328 |
| Net interest margin | 3.5822% | 3,222 |
| Noninterest income to average assets | 1.1898% | 729 |
| Noninterest expense to average assets | 2.3279% | 4,222 |
| Loan and lease loss provision to assets | 0.3639% | 404 |
| Net operating income to assets | 1.9036% | 387 |
| Return on assets (ROA) | 1.9074% | 386 |
| Pretax return on assets | 1.9074% | 675 |
| Return on Equity (ROE) | 15.5928% | 575 |
| Retained earnings to average equity (ytd only) | 7.4221% | 1,475 |
| Net charge-offs to loans | 0.4477% | 464 |
| Credit loss provision to net charge-offs | 101.7248% | 2,245 |
| Earnings coverage of net charge-offs (x) | 6.3381% | 2,994 |
| Efficiency ratio | 50.6488% | 5,203 |
| Assets per employee ($millions) | 5.8620% | 1,600 |
| Cash dividends to net income (ytd only)* | 52.4004% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 2,029 |
| Loan loss allowance to noncurrent loans | 184.2443% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 2,607 |
| Noncurrent loans to loans | 0.7428% | 2,503 |
| Net loans and leases to total assets | 80.3166% | 939 |
| Net loans and leases to deposits | 95.8866% | 1,121 |
| Net loans and leases to core deposits | 110.3190% | 1,004 |
| Total domestic deposits to total assets | 83.7621% | 3,207 |
| Equity capital to assets | 12.7301% | 1,529 |
| Core capital (leverage) ratio | 12.7568% | 1,313 |
| Tier 1 risk-based capital ratio | 13.9399% | 3,471 |
| Total risk-based capital ratio | 15.2092% | 3,386 |
| Memoranda: | ||
| Average total assets | $3,910,895,250 | 257 |
| Average earning assets | $3,718,051,500 | 248 |
| Average equity | $478,413,750 | 238 |
| Average total loans | $3,125,105,750 | 234 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 3,690 |
| Cost of funding earning assets | 0.3632% | 3,447 |
| Net interest margin | 3.4954% | 3,420 |
| Noninterest income to average assets | 1.1736% | 735 |
| Noninterest expense to average assets | 2.3100% | 4,315 |
| Loan and lease loss provision to assets | 0.3682% | 380 |
| Net operating income to assets | 1.8158% | 439 |
| Return on assets (ROA) | 1.8185% | 452 |
| Pretax return on assets | 1.8185% | 804 |
| Return on Equity (ROE) | 15.0670% | 649 |
| Retained earnings to average equity (ytd only) | 7.1377% | 1,524 |
| Net charge-offs to loans | 0.4586% | 436 |
| Credit loss provision to net charge-offs | 101.0914% | 1,991 |
| Earnings coverage of net charge-offs (x) | 5.9966% | 2,760 |
| Efficiency ratio | 51.3924% | 5,213 |
| Assets per employee ($millions) | 5.8702% | 1,562 |
| Cash dividends to net income (ytd only)* | 52.6270% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,122 |
| Loan loss allowance to noncurrent loans | 188.5830% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 2,752 |
| Noncurrent loans to loans | 0.7207% | 2,587 |
| Net loans and leases to total assets | 78.7795% | 1,124 |
| Net loans and leases to deposits | 92.9149% | 1,369 |
| Net loans and leases to core deposits | 107.7475% | 1,119 |
| Total domestic deposits to total assets | 84.7867% | 2,893 |
| Equity capital to assets | 12.1829% | 1,801 |
| Core capital (leverage) ratio | 12.5683% | 1,340 |
| Tier 1 risk-based capital ratio | 13.4477% | 3,721 |
| Total risk-based capital ratio | 14.7078% | 3,635 |
| Memoranda: | ||
| Average total assets | $3,924,878,000 | 258 |
| Average earning assets | $3,728,293,670 | 248 |
| Average equity | $473,711,670 | 242 |
| Average total loans | $3,116,633,330 | 234 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 3,902 |
| Cost of funding earning assets | 0.3526% | 3,499 |
| Net interest margin | 3.4067% | 3,634 |
| Noninterest income to average assets | 1.1772% | 735 |
| Noninterest expense to average assets | 2.1853% | 4,682 |
| Loan and lease loss provision to assets | 0.4787% | 217 |
| Net operating income to assets | 1.7424% | 510 |
| Return on assets (ROA) | 1.7462% | 508 |
| Pretax return on assets | 1.7462% | 907 |
| Return on Equity (ROE) | 14.5371% | 720 |
| Retained earnings to average equity (ytd only) | 6.8236% | 1,920 |
| Net charge-offs to loans | 0.5982% | 298 |
| Credit loss provision to net charge-offs | 101.0811% | 1,553 |
| Earnings coverage of net charge-offs (x) | 4.6897% | 2,358 |
| Efficiency ratio | 49.5770% | 5,398 |
| Assets per employee ($millions) | 5.8143% | 1,640 |
| Cash dividends to net income (ytd only)* | 53.0612% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,173 |
| Loan loss allowance to noncurrent loans | 178.5346% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 2,771 |
| Noncurrent loans to loans | 0.7722% | 2,538 |
| Net loans and leases to total assets | 79.1708% | 954 |
| Net loans and leases to deposits | 93.7692% | 1,132 |
| Net loans and leases to core deposits | 107.4513% | 1,001 |
| Total domestic deposits to total assets | 84.4315% | 3,317 |
| Equity capital to assets | 12.1869% | 1,718 |
| Core capital (leverage) ratio | 12.4471% | 1,362 |
| Tier 1 risk-based capital ratio | 13.3749% | 3,846 |
| Total risk-based capital ratio | 14.6415% | 3,759 |
| Memoranda: | ||
| Average total assets | $3,906,108,500 | 261 |
| Average earning assets | $3,702,625,000 | 251 |
| Average equity | $469,198,500 | 244 |
| Average total loans | $3,092,657,500 | 234 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 3,939 |
| Cost of funding earning assets | 0.2690% | 4,375 |
| Net interest margin | 3.5219% | 3,346 |
| Noninterest income to average assets | 1.2138% | 773 |
| Noninterest expense to average assets | 2.2952% | 4,571 |
| Loan and lease loss provision to assets | 0.9834% | 105 |
| Net operating income to assets | 1.2645% | 1,315 |
| Return on assets (ROA) | 1.2669% | 1,385 |
| Pretax return on assets | 1.2669% | 2,411 |
| Return on Equity (ROE) | 10.5293% | 1,758 |
| Retained earnings to average equity (ytd only) | 4.6806% | 2,557 |
| Net charge-offs to loans | 1.1077% | 164 |
| Credit loss provision to net charge-offs | 111.6865% | 2,352 |
| Earnings coverage of net charge-offs (x) | 2.5530% | 3,812 |
| Efficiency ratio | 50.4772% | 5,467 |
| Assets per employee ($millions) | 5.8544% | 1,580 |
| Cash dividends to net income (ytd only)* | 55.5463% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,080 |
| Loan loss allowance to noncurrent loans | 193.7980% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 3,040 |
| Noncurrent loans to loans | 0.7222% | 2,732 |
| Net loans and leases to total assets | 76.9918% | 1,364 |
| Net loans and leases to deposits | 91.2375% | 1,544 |
| Net loans and leases to core deposits | 103.9255% | 1,289 |
| Total domestic deposits to total assets | 84.3861% | 3,279 |
| Equity capital to assets | 11.8389% | 1,913 |
| Core capital (leverage) ratio | 12.2641% | 1,446 |
| Tier 1 risk-based capital ratio | 13.3582% | 3,852 |
| Total risk-based capital ratio | 14.6224% | 3,755 |
| Memoranda: | ||
| Average total assets | $3,794,028,000 | 251 |
| Average earning assets | $3,586,512,400 | 240 |
| Average equity | $456,518,400 | 235 |
| Average total loans | $3,015,724,000 | 228 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 3,940 |
| Cost of funding earning assets | 0.2630% | 4,471 |
| Net interest margin | 3.5317% | 3,355 |
| Noninterest income to average assets | 1.2224% | 774 |
| Noninterest expense to average assets | 2.2872% | 4,567 |
| Loan and lease loss provision to assets | 1.0286% | 99 |
| Net operating income to assets | 1.2475% | 1,462 |
| Return on assets (ROA) | 1.2508% | 1,559 |
| Pretax return on assets | 1.2508% | 2,617 |
| Return on Equity (ROE) | 10.3520% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.6559% | 3,052 |
| Net charge-offs to loans | 1.1427% | 140 |
| Credit loss provision to net charge-offs | 112.7259% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.4945% | 3,560 |
| Efficiency ratio | 50.0765% | 5,495 |
| Assets per employee ($millions) | 5.6971% | 1,664 |
| Cash dividends to net income (ytd only)* | 55.0242% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 2,125 |
| Loan loss allowance to noncurrent loans | 186.2098% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 3,133 |
| Noncurrent loans to loans | 0.7610% | 2,772 |
| Net loans and leases to total assets | 76.8719% | 1,386 |
| Net loans and leases to deposits | 91.6352% | 1,547 |
| Net loans and leases to core deposits | 107.4584% | 1,082 |
| Total domestic deposits to total assets | 83.8890% | 3,245 |
| Equity capital to assets | 12.0535% | 2,082 |
| Core capital (leverage) ratio | 12.4249% | 1,429 |
| Tier 1 risk-based capital ratio | 13.4328% | 3,899 |
| Total risk-based capital ratio | 14.6986% | 3,803 |
| Memoranda: | ||
| Average total assets | $3,760,463,250 | 250 |
| Average earning assets | $3,557,198,750 | 241 |
| Average equity | $454,381,750 | 236 |
| Average total loans | $3,002,807,000 | 229 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 3,913 |
| Cost of funding earning assets | 0.2565% | 4,589 |
| Net interest margin | 3.5558% | 3,278 |
| Noninterest income to average assets | 1.1941% | 791 |
| Noninterest expense to average assets | 2.3255% | 4,536 |
| Loan and lease loss provision to assets | 0.9155% | 110 |
| Net operating income to assets | 1.3100% | 1,245 |
| Return on assets (ROA) | 1.3150% | 1,327 |
| Pretax return on assets | 1.3150% | 2,348 |
| Return on Equity (ROE) | 10.8738% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.0055% | 2,739 |
| Net charge-offs to loans | 0.9378% | 200 |
| Credit loss provision to net charge-offs | 121.2787% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.9481% | 3,192 |
| Efficiency ratio | 51.0534% | 5,498 |
| Assets per employee ($millions) | 5.4196% | 1,867 |
| Cash dividends to net income (ytd only)* | 53.9673% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 2,338 |
| Loan loss allowance to noncurrent loans | 147.6413% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,688 |
| Noncurrent loans to loans | 0.9418% | 2,395 |
| Net loans and leases to total assets | 80.0571% | 889 |
| Net loans and leases to deposits | 94.6372% | 1,225 |
| Net loans and leases to core deposits | 110.2918% | 918 |
| Total domestic deposits to total assets | 84.5937% | 3,051 |
| Equity capital to assets | 12.2725% | 1,925 |
| Core capital (leverage) ratio | 12.5331% | 1,337 |
| Tier 1 risk-based capital ratio | 13.2356% | 4,055 |
| Total risk-based capital ratio | 14.4991% | 3,964 |
| Memoranda: | ||
| Average total assets | $3,737,801,670 | 251 |
| Average earning assets | $3,528,740,330 | 243 |
| Average equity | $452,021,670 | 236 |
| Average total loans | $3,008,641,000 | 230 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 3,905 |
| Cost of funding earning assets | 0.2551% | 4,647 |
| Net interest margin | 3.5561% | 3,249 |
| Noninterest income to average assets | 1.1680% | 808 |
| Noninterest expense to average assets | 2.3303% | 4,572 |
| Loan and lease loss provision to assets | 0.9570% | 97 |
| Net operating income to assets | 1.2189% | 1,494 |
| Return on assets (ROA) | 1.2288% | 1,571 |
| Pretax return on assets | 1.2288% | 2,583 |
| Return on Equity (ROE) | 10.2366% | 1,881 |
| Retained earnings to average equity (ytd only) | 5.2015% | 2,817 |
| Net charge-offs to loans | 0.8777% | 230 |
| Credit loss provision to net charge-offs | 136.0462% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.0932% | 2,586 |
| Efficiency ratio | 51.6686% | 5,532 |
| Assets per employee ($millions) | 5.3859% | 1,939 |
| Cash dividends to net income (ytd only)* | 49.1873% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 2,539 |
| Loan loss allowance to noncurrent loans | 72.6615% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.5587% | 1,287 |
| Noncurrent loans to loans | 1.8925% | 1,163 |
| Net loans and leases to total assets | 80.9607% | 688 |
| Net loans and leases to deposits | 97.3884% | 808 |
| Net loans and leases to core deposits | 111.6351% | 769 |
| Total domestic deposits to total assets | 83.1318% | 3,850 |
| Equity capital to assets | 12.3490% | 1,785 |
| Core capital (leverage) ratio | 12.2631% | 1,454 |
| Tier 1 risk-based capital ratio | 13.0204% | 4,256 |
| Total risk-based capital ratio | 14.2643% | 4,171 |
| Memoranda: | ||
| Average total assets | $3,745,068,000 | 251 |
| Average earning assets | $3,515,540,500 | 240 |
| Average equity | $449,563,500 | 237 |
| Average total loans | $3,001,575,000 | 229 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 4,385 |
| Cost of funding earning assets | 0.1988% | 5,296 |
| Net interest margin | 3.4948% | 3,543 |
| Noninterest income to average assets | 1.1744% | 865 |
| Noninterest expense to average assets | 2.2461% | 4,931 |
| Loan and lease loss provision to assets | 0.4432% | 278 |
| Net operating income to assets | 1.7660% | 510 |
| Return on assets (ROA) | 1.7696% | 525 |
| Pretax return on assets | 1.7696% | 852 |
| Return on Equity (ROE) | 15.6396% | 595 |
| Retained earnings to average equity (ytd only) | 6.9622% | 1,297 |
| Net charge-offs to loans | 0.5510% | 451 |
| Credit loss provision to net charge-offs | 101.8719% | 2,459 |
| Earnings coverage of net charge-offs (x) | 5.0782% | 3,441 |
| Efficiency ratio | 50.3691% | 5,743 |
| Assets per employee ($millions) | 5.5800% | 1,711 |
| Cash dividends to net income (ytd only)* | 55.4837% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 2,874 |
| Loan loss allowance to noncurrent loans | 138.9314% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 2,856 |
| Noncurrent loans to loans | 0.9389% | 2,456 |
| Net loans and leases to total assets | 77.2627% | 1,218 |
| Net loans and leases to deposits | 91.9144% | 1,412 |
| Net loans and leases to core deposits | 104.1227% | 1,214 |
| Total domestic deposits to total assets | 84.0594% | 3,454 |
| Equity capital to assets | 11.6733% | 2,212 |
| Core capital (leverage) ratio | 11.8148% | 1,749 |
| Tier 1 risk-based capital ratio | 12.8507% | 4,419 |
| Total risk-based capital ratio | 14.0163% | 4,373 |
| Memoranda: | ||
| Average total assets | $3,819,027,800 | 231 |
| Average earning assets | $3,585,279,000 | 225 |
| Average equity | $432,121,200 | 234 |
| Average total loans | $3,015,470,200 | 211 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,466 |
| Cost of funding earning assets | 0.1975% | 5,398 |
| Net interest margin | 3.4854% | 3,600 |
| Noninterest income to average assets | 1.1810% | 866 |
| Noninterest expense to average assets | 2.2717% | 4,853 |
| Loan and lease loss provision to assets | 0.2977% | 498 |
| Net operating income to assets | 1.8946% | 430 |
| Return on assets (ROA) | 1.8991% | 446 |
| Pretax return on assets | 1.8991% | 724 |
| Return on Equity (ROE) | 16.9178% | 475 |
| Retained earnings to average equity (ytd only) | 7.4740% | 1,462 |
| Net charge-offs to loans | 0.3978% | 643 |
| Credit loss provision to net charge-offs | 94.5646% | 2,401 |
| Earnings coverage of net charge-offs (x) | 6.9639% | 2,971 |
| Efficiency ratio | 50.8495% | 5,732 |
| Assets per employee ($millions) | 5.5572% | 1,728 |
| Cash dividends to net income (ytd only)* | 55.8216% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 3,153 |
| Loan loss allowance to noncurrent loans | 207.8228% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 3,858 |
| Noncurrent loans to loans | 0.6204% | 3,460 |
| Net loans and leases to total assets | 77.2216% | 1,219 |
| Net loans and leases to deposits | 91.0367% | 1,521 |
| Net loans and leases to core deposits | 105.2385% | 1,154 |
| Total domestic deposits to total assets | 84.8247% | 3,088 |
| Equity capital to assets | 11.6373% | 2,388 |
| Core capital (leverage) ratio | 11.6118% | 1,947 |
| Tier 1 risk-based capital ratio | 12.8667% | 4,515 |
| Total risk-based capital ratio | 14.0258% | 4,469 |
| Memoranda: | ||
| Average total assets | $3,818,203,000 | 235 |
| Average earning assets | $3,596,413,750 | 227 |
| Average equity | $428,604,000 | 238 |
| Average total loans | $3,021,272,250 | 213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 4,483 |
| Cost of funding earning assets | 0.1966% | 5,465 |
| Net interest margin | 3.4794% | 3,583 |
| Noninterest income to average assets | 1.1685% | 882 |
| Noninterest expense to average assets | 2.2660% | 4,937 |
| Loan and lease loss provision to assets | 0.2900% | 546 |
| Net operating income to assets | 1.8802% | 442 |
| Return on assets (ROA) | 1.8870% | 457 |
| Pretax return on assets | 1.8870% | 752 |
| Return on Equity (ROE) | 17.0162% | 487 |
| Retained earnings to average equity (ytd only) | 7.8439% | 1,324 |
| Net charge-offs to loans | 0.3964% | 654 |
| Credit loss provision to net charge-offs | 92.1009% | 2,171 |
| Earnings coverage of net charge-offs (x) | 6.8925% | 2,727 |
| Efficiency ratio | 51.0748% | 5,797 |
| Assets per employee ($millions) | 5.4307% | 1,808 |
| Cash dividends to net income (ytd only)* | 53.9030% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 3,400 |
| Loan loss allowance to noncurrent loans | 195.6764% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 3,893 |
| Noncurrent loans to loans | 0.6488% | 3,528 |
| Net loans and leases to total assets | 78.3406% | 1,023 |
| Net loans and leases to deposits | 92.5710% | 1,308 |
| Net loans and leases to core deposits | 108.1538% | 940 |
| Total domestic deposits to total assets | 84.6275% | 3,282 |
| Equity capital to assets | 11.3918% | 2,504 |
| Core capital (leverage) ratio | 11.6625% | 1,870 |
| Tier 1 risk-based capital ratio | 12.5065% | 4,798 |
| Total risk-based capital ratio | 13.6367% | 4,792 |
| Memoranda: | ||
| Average total assets | $3,827,611,670 | 238 |
| Average earning assets | $3,594,729,330 | 229 |
| Average equity | $424,454,670 | 241 |
| Average total loans | $3,040,060,330 | 212 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 4,505 |
| Cost of funding earning assets | 0.1976% | 5,538 |
| Net interest margin | 3.4612% | 3,578 |
| Noninterest income to average assets | 1.0978% | 938 |
| Noninterest expense to average assets | 2.2498% | 5,004 |
| Loan and lease loss provision to assets | 0.1613% | 1,251 |
| Net operating income to assets | 1.9406% | 379 |
| Return on assets (ROA) | 1.9540% | 385 |
| Pretax return on assets | 1.9540% | 641 |
| Return on Equity (ROE) | 17.8613% | 395 |
| Retained earnings to average equity (ytd only) | 8.7694% | 1,279 |
| Net charge-offs to loans | 0.1866% | 1,180 |
| Credit loss provision to net charge-offs | 108.7719% | 1,524 |
| Earnings coverage of net charge-offs (x) | 14.1726% | 1,685 |
| Efficiency ratio | 51.6944% | 5,824 |
| Assets per employee ($millions) | 5.5571% | 1,751 |
| Cash dividends to net income (ytd only)* | 50.9028% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 3,452 |
| Loan loss allowance to noncurrent loans | 337.6565% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,687 |
| Noncurrent loans to loans | 0.3823% | 4,450 |
| Net loans and leases to total assets | 78.2648% | 884 |
| Net loans and leases to deposits | 92.6838% | 1,114 |
| Net loans and leases to core deposits | 108.2332% | 812 |
| Total domestic deposits to total assets | 84.4428% | 3,636 |
| Equity capital to assets | 11.2070% | 2,746 |
| Core capital (leverage) ratio | 11.3215% | 2,138 |
| Tier 1 risk-based capital ratio | 12.2867% | 5,053 |
| Total risk-based capital ratio | 13.4336% | 5,029 |
| Memoranda: | ||
| Average total assets | $3,843,377,000 | 235 |
| Average earning assets | $3,613,179,500 | 225 |
| Average equity | $420,461,500 | 240 |
| Average total loans | $3,054,033,500 | 209 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,904 |
| Cost of funding earning assets | 0.1964% | 5,775 |
| Net interest margin | 3.4658% | 3,916 |
| Noninterest income to average assets | 1.3625% | 658 |
| Noninterest expense to average assets | 2.2681% | 5,194 |
| Loan and lease loss provision to assets | 0.3018% | 680 |
| Net operating income to assets | 2.0464% | 303 |
| Return on assets (ROA) | 2.0500% | 305 |
| Pretax return on assets | 2.0500% | 467 |
| Return on Equity (ROE) | 19.4855% | 278 |
| Retained earnings to average equity (ytd only) | 7.6676% | 1,133 |
| Net charge-offs to loans | 0.2276% | 1,850 |
| Credit loss provision to net charge-offs | 173.6635% | 1,399 |
| Earnings coverage of net charge-offs (x) | 13.5118% | 2,260 |
| Efficiency ratio | 49.1236% | 6,134 |
| Assets per employee ($millions) | 5.7648% | 1,545 |
| Cash dividends to net income (ytd only)* | 60.6496% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 3,722 |
| Loan loss allowance to noncurrent loans | 336.1316% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 4,774 |
| Noncurrent loans to loans | 0.3717% | 4,536 |
| Net loans and leases to total assets | 78.6370% | 929 |
| Net loans and leases to deposits | 92.3924% | 1,245 |
| Net loans and leases to core deposits | 107.4312% | 933 |
| Total domestic deposits to total assets | 85.1120% | 3,240 |
| Equity capital to assets | 10.6794% | 3,264 |
| Core capital (leverage) ratio | 11.1526% | 2,256 |
| Tier 1 risk-based capital ratio | 12.1679% | 5,253 |
| Total risk-based capital ratio | 13.3221% | 5,221 |
| Memoranda: | ||
| Average total assets | $3,810,366,000 | 224 |
| Average earning assets | $3,577,318,600 | 216 |
| Average equity | $400,867,400 | 236 |
| Average total loans | $2,909,476,400 | 205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 5,027 |
| Cost of funding earning assets | 0.1965% | 5,863 |
| Net interest margin | 3.4470% | 4,029 |
| Noninterest income to average assets | 1.4295% | 615 |
| Noninterest expense to average assets | 2.3013% | 5,099 |
| Loan and lease loss provision to assets | 0.2761% | 748 |
| Net operating income to assets | 2.0898% | 291 |
| Return on assets (ROA) | 2.0924% | 298 |
| Pretax return on assets | 2.0924% | 466 |
| Return on Equity (ROE) | 19.9666% | 286 |
| Retained earnings to average equity (ytd only) | 8.0812% | 1,316 |
| Net charge-offs to loans | 0.2422% | 1,591 |
| Credit loss provision to net charge-offs | 150.9906% | 1,572 |
| Earnings coverage of net charge-offs (x) | 12.9361% | 2,272 |
| Efficiency ratio | 49.2987% | 6,127 |
| Assets per employee ($millions) | 5.4602% | 1,759 |
| Cash dividends to net income (ytd only)* | 59.5266% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 4,113 |
| Loan loss allowance to noncurrent loans | 169.4150% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 3,976 |
| Noncurrent loans to loans | 0.7222% | 3,802 |
| Net loans and leases to total assets | 80.6554% | 645 |
| Net loans and leases to deposits | 94.4557% | 998 |
| Net loans and leases to core deposits | 110.4217% | 727 |
| Total domestic deposits to total assets | 85.3896% | 3,167 |
| Equity capital to assets | 11.1975% | 2,760 |
| Core capital (leverage) ratio | 11.0064% | 2,475 |
| Tier 1 risk-based capital ratio | 12.4703% | 5,187 |
| Total risk-based capital ratio | 13.6138% | 5,189 |
| Memoranda: | ||
| Average total assets | $3,790,145,500 | 221 |
| Average earning assets | $3,560,102,500 | 213 |
| Average equity | $397,194,000 | 233 |
| Average total loans | $2,862,176,000 | 204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 5,185 |
| Cost of funding earning assets | 0.1955% | 5,947 |
| Net interest margin | 3.3905% | 4,216 |
| Noninterest income to average assets | 1.4849% | 555 |
| Noninterest expense to average assets | 2.3550% | 5,009 |
| Loan and lease loss provision to assets | 0.2737% | 752 |
| Net operating income to assets | 2.0340% | 312 |
| Return on assets (ROA) | 2.0380% | 330 |
| Pretax return on assets | 2.0380% | 513 |
| Return on Equity (ROE) | 19.8796% | 299 |
| Retained earnings to average equity (ytd only) | 10.3111% | 648 |
| Net charge-offs to loans | 0.2152% | 1,734 |
| Credit loss provision to net charge-offs | 172.9249% | 1,320 |
| Earnings coverage of net charge-offs (x) | 14.5791% | 1,904 |
| Efficiency ratio | 50.4965% | 6,149 |
| Assets per employee ($millions) | 5.7648% | 1,459 |
| Cash dividends to net income (ytd only)* | 48.1324% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,239 |
| Loan loss allowance to noncurrent loans | 156.1228% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 4,121 |
| Noncurrent loans to loans | 0.7919% | 3,714 |
| Net loans and leases to total assets | 74.2374% | 1,409 |
| Net loans and leases to deposits | 86.5025% | 1,769 |
| Net loans and leases to core deposits | 99.9195% | 1,293 |
| Total domestic deposits to total assets | 85.8211% | 3,137 |
| Equity capital to assets | 10.4244% | 3,533 |
| Core capital (leverage) ratio | 10.6911% | 2,731 |
| Tier 1 risk-based capital ratio | 12.5018% | 5,227 |
| Total risk-based capital ratio | 13.6461% | 5,227 |
| Memoranda: | ||
| Average total assets | $3,835,894,330 | 219 |
| Average earning assets | $3,595,389,000 | 212 |
| Average equity | $393,248,000 | 232 |
| Average total loans | $2,821,984,330 | 203 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 5,306 |
| Cost of funding earning assets | 0.1984% | 6,013 |
| Net interest margin | 3.3491% | 4,337 |
| Noninterest income to average assets | 1.0742% | 966 |
| Noninterest expense to average assets | 2.1000% | 5,682 |
| Loan and lease loss provision to assets | 0.2569% | 832 |
| Net operating income to assets | 1.8402% | 449 |
| Return on assets (ROA) | 1.8481% | 466 |
| Pretax return on assets | 1.8481% | 729 |
| Return on Equity (ROE) | 18.1833% | 429 |
| Retained earnings to average equity (ytd only) | 8.9142% | 1,272 |
| Net charge-offs to loans | 0.2860% | 1,206 |
| Credit loss provision to net charge-offs | 123.4879% | 1,429 |
| Earnings coverage of net charge-offs (x) | 10.0786% | 1,891 |
| Efficiency ratio | 50.0212% | 6,253 |
| Assets per employee ($millions) | 5.8488% | 1,411 |
| Cash dividends to net income (ytd only)* | 50.9761% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 4,581 |
| Loan loss allowance to noncurrent loans | 301.3086% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 5,187 |
| Noncurrent loans to loans | 0.4026% | 4,927 |
| Net loans and leases to total assets | 72.4922% | 1,497 |
| Net loans and leases to deposits | 87.7248% | 1,387 |
| Net loans and leases to core deposits | 99.8950% | 1,109 |
| Total domestic deposits to total assets | 82.6359% | 4,739 |
| Equity capital to assets | 10.1881% | 3,611 |
| Core capital (leverage) ratio | 10.3642% | 3,098 |
| Tier 1 risk-based capital ratio | 12.4272% | 5,354 |
| Total risk-based capital ratio | 13.5423% | 5,384 |
| Memoranda: | ||
| Average total assets | $3,813,984,000 | 220 |
| Average earning assets | $3,556,407,500 | 215 |
| Average equity | $387,653,000 | 234 |
| Average total loans | $2,774,849,000 | 203 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 5,036 |
| Cost of funding earning assets | 0.2189% | 6,187 |
| Net interest margin | 3.5121% | 3,842 |
| Noninterest income to average assets | 1.2997% | 821 |
| Noninterest expense to average assets | 2.2143% | 5,594 |
| Loan and lease loss provision to assets | 0.3039% | 1,105 |
| Net operating income to assets | 2.0511% | 312 |
| Return on assets (ROA) | 2.0524% | 314 |
| Pretax return on assets | 2.0524% | 431 |
| Return on Equity (ROE) | 19.8269% | 287 |
| Retained earnings to average equity (ytd only) | 8.1567% | 1,005 |
| Net charge-offs to loans | 0.4133% | 1,622 |
| Credit loss provision to net charge-offs | 98.1250% | 2,532 |
| Earnings coverage of net charge-offs (x) | 7.6030% | 2,805 |
| Efficiency ratio | 48.4462% | 6,478 |
| Assets per employee ($millions) | 5.7878% | 1,416 |
| Cash dividends to net income (ytd only)* | 58.8604% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,424 |
| Loan loss allowance to noncurrent loans | 259.7160% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 5,143 |
| Noncurrent loans to loans | 0.4788% | 4,797 |
| Net loans and leases to total assets | 71.2168% | 1,806 |
| Net loans and leases to deposits | 85.9967% | 1,688 |
| Net loans and leases to core deposits | 97.1804% | 1,371 |
| Total domestic deposits to total assets | 82.8133% | 4,604 |
| Equity capital to assets | 10.1394% | 3,582 |
| Core capital (leverage) ratio | 10.6953% | 2,681 |
| Tier 1 risk-based capital ratio | 12.5200% | 5,273 |
| Total risk-based capital ratio | 13.6532% | 5,294 |
| Memoranda: | ||
| Average total assets | $3,564,217,400 | 222 |
| Average earning assets | $3,318,138,600 | 215 |
| Average equity | $368,949,000 | 235 |
| Average total loans | $2,671,164,600 | 195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,986 |
| Cost of funding earning assets | 0.2258% | 6,255 |
| Net interest margin | 3.5377% | 3,724 |
| Noninterest income to average assets | 1.3412% | 818 |
| Noninterest expense to average assets | 2.2418% | 5,503 |
| Loan and lease loss provision to assets | 0.2746% | 1,275 |
| Net operating income to assets | 2.1267% | 292 |
| Return on assets (ROA) | 2.1284% | 303 |
| Pretax return on assets | 2.1284% | 448 |
| Return on Equity (ROE) | 20.4490% | 275 |
| Retained earnings to average equity (ytd only) | 8.3763% | 1,257 |
| Net charge-offs to loans | 0.3729% | 1,706 |
| Credit loss provision to net charge-offs | 97.2831% | 2,458 |
| Earnings coverage of net charge-offs (x) | 8.5071% | 2,616 |
| Efficiency ratio | 48.2682% | 6,493 |
| Assets per employee ($millions) | 5.2655% | 1,875 |
| Cash dividends to net income (ytd only)* | 59.0382% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,391 |
| Loan loss allowance to noncurrent loans | 187.2069% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 4,804 |
| Noncurrent loans to loans | 0.6944% | 4,468 |
| Net loans and leases to total assets | 73.8359% | 1,312 |
| Net loans and leases to deposits | 90.3938% | 1,123 |
| Net loans and leases to core deposits | 103.2103% | 921 |
| Total domestic deposits to total assets | 81.6824% | 5,034 |
| Equity capital to assets | 10.7822% | 2,971 |
| Core capital (leverage) ratio | 10.8547% | 2,611 |
| Tier 1 risk-based capital ratio | 12.8373% | 5,234 |
| Total risk-based capital ratio | 14.0153% | 5,220 |
| Memoranda: | ||
| Average total assets | $3,511,861,750 | 222 |
| Average earning assets | $3,277,743,000 | 214 |
| Average equity | $365,530,500 | 236 |
| Average total loans | $2,658,629,500 | 194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,994 |
| Cost of funding earning assets | 0.2273% | 6,322 |
| Net interest margin | 3.5194% | 3,701 |
| Noninterest income to average assets | 1.3534% | 856 |
| Noninterest expense to average assets | 2.2007% | 5,630 |
| Loan and lease loss provision to assets | 0.2276% | 1,657 |
| Net operating income to assets | 2.2101% | 253 |
| Return on assets (ROA) | 2.2127% | 265 |
| Pretax return on assets | 2.2127% | 403 |
| Return on Equity (ROE) | 21.5130% | 223 |
| Retained earnings to average equity (ytd only) | 9.0830% | 1,093 |
| Net charge-offs to loans | 0.2975% | 1,996 |
| Credit loss provision to net charge-offs | 100.6529% | 2,191 |
| Earnings coverage of net charge-offs (x) | 10.7815% | 2,123 |
| Efficiency ratio | 47.4299% | 6,571 |
| Assets per employee ($millions) | 5.3037% | 1,784 |
| Cash dividends to net income (ytd only)* | 57.7793% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,466 |
| Loan loss allowance to noncurrent loans | 151.2025% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 4,549 |
| Noncurrent loans to loans | 0.8654% | 4,193 |
| Net loans and leases to total assets | 73.2003% | 1,371 |
| Net loans and leases to deposits | 87.8924% | 1,348 |
| Net loans and leases to core deposits | 102.8743% | 889 |
| Total domestic deposits to total assets | 83.2840% | 4,594 |
| Equity capital to assets | 10.5113% | 3,290 |
| Core capital (leverage) ratio | 10.8660% | 2,487 |
| Tier 1 risk-based capital ratio | 12.7666% | 5,310 |
| Total risk-based capital ratio | 13.9618% | 5,286 |
| Memoranda: | ||
| Average total assets | $3,522,316,330 | 222 |
| Average earning assets | $3,287,648,000 | 213 |
| Average equity | $362,283,000 | 238 |
| Average total loans | $2,676,938,330 | 194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 4,871 |
| Cost of funding earning assets | 0.2310% | 6,407 |
| Net interest margin | 3.5545% | 3,460 |
| Noninterest income to average assets | 1.4027% | 779 |
| Noninterest expense to average assets | 2.2543% | 5,559 |
| Loan and lease loss provision to assets | 0.1937% | 1,911 |
| Net operating income to assets | 2.2658% | 209 |
| Return on assets (ROA) | 2.2709% | 237 |
| Pretax return on assets | 2.2709% | 370 |
| Return on Equity (ROE) | 22.3229% | 182 |
| Retained earnings to average equity (ytd only) | 9.5928% | 1,218 |
| Net charge-offs to loans | 0.1678% | 2,401 |
| Credit loss provision to net charge-offs | 150.0879% | 1,363 |
| Earnings coverage of net charge-offs (x) | 19.0615% | 1,239 |
| Efficiency ratio | 47.8100% | 6,618 |
| Assets per employee ($millions) | 5.2616% | 1,910 |
| Cash dividends to net income (ytd only)* | 57.0273% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 4,666 |
| Loan loss allowance to noncurrent loans | 223.0893% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 5,161 |
| Noncurrent loans to loans | 0.5850% | 4,980 |
| Net loans and leases to total assets | 76.0749% | 830 |
| Net loans and leases to deposits | 92.2180% | 783 |
| Net loans and leases to core deposits | 107.7126% | 569 |
| Total domestic deposits to total assets | 82.4946% | 5,031 |
| Equity capital to assets | 10.5330% | 3,507 |
| Core capital (leverage) ratio | 10.4972% | 2,778 |
| Tier 1 risk-based capital ratio | 12.4411% | 5,615 |
| Total risk-based capital ratio | 13.6481% | 5,590 |
| Memoranda: | ||
| Average total assets | $3,527,948,500 | 225 |
| Average earning assets | $3,286,278,500 | 215 |
| Average equity | $358,895,500 | 243 |
| Average total loans | $2,713,320,000 | 195 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 5,225 |
| Cost of funding earning assets | 0.2622% | 6,620 |
| Net interest margin | 3.7627% | 3,381 |
| Noninterest income to average assets | 1.3028% | 905 |
| Noninterest expense to average assets | 2.3342% | 5,602 |
| Loan and lease loss provision to assets | 0.2411% | 2,720 |
| Net operating income to assets | 2.2198% | 248 |
| Return on assets (ROA) | 2.2208% | 271 |
| Pretax return on assets | 2.2208% | 393 |
| Return on Equity (ROE) | 21.3205% | 245 |
| Retained earnings to average equity (ytd only) | 9.5118% | 696 |
| Net charge-offs to loans | 0.2064% | 3,730 |
| Credit loss provision to net charge-offs | 156.0326% | 1,735 |
| Earnings coverage of net charge-offs (x) | 15.9276% | 1,618 |
| Efficiency ratio | 48.6640% | 6,674 |
| Assets per employee ($millions) | 5.5442% | 1,647 |
| Cash dividends to net income (ytd only)* | 55.3868% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 4,990 |
| Loan loss allowance to noncurrent loans | 305.6738% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 5,622 |
| Noncurrent loans to loans | 0.4015% | 5,487 |
| Net loans and leases to total assets | 75.8039% | 945 |
| Net loans and leases to deposits | 90.7895% | 997 |
| Net loans and leases to core deposits | 104.4603% | 763 |
| Total domestic deposits to total assets | 83.4942% | 4,538 |
| Equity capital to assets | 9.8301% | 4,410 |
| Core capital (leverage) ratio | 10.8133% | 2,430 |
| Tier 1 risk-based capital ratio | 11.6947% | 5,957 |
| Total risk-based capital ratio | 12.8109% | 6,019 |
| Memoranda: | ||
| Average total assets | $3,256,208,000 | 236 |
| Average earning assets | $3,022,127,400 | 225 |
| Average equity | $339,180,000 | 254 |
| Average total loans | $2,437,336,400 | 201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 5,184 |
| Cost of funding earning assets | 0.2719% | 6,725 |
| Net interest margin | 3.8289% | 3,211 |
| Noninterest income to average assets | 1.2996% | 872 |
| Noninterest expense to average assets | 2.3793% | 5,457 |
| Loan and lease loss provision to assets | 0.2084% | 2,991 |
| Net operating income to assets | 2.2716% | 249 |
| Return on assets (ROA) | 2.2729% | 275 |
| Pretax return on assets | 2.2729% | 421 |
| Return on Equity (ROE) | 21.4754% | 264 |
| Retained earnings to average equity (ytd only) | 8.9091% | 1,264 |
| Net charge-offs to loans | 0.1774% | 3,687 |
| Credit loss provision to net charge-offs | 158.0965% | 1,774 |
| Earnings coverage of net charge-offs (x) | 18.8116% | 1,531 |
| Efficiency ratio | 48.9498% | 6,667 |
| Assets per employee ($millions) | 4.9815% | 2,214 |
| Cash dividends to net income (ytd only)* | 58.5150% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 4,719 |
| Loan loss allowance to noncurrent loans | 314.1839% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 5,705 |
| Noncurrent loans to loans | 0.4206% | 5,610 |
| Net loans and leases to total assets | 75.9872% | 981 |
| Net loans and leases to deposits | 93.8730% | 801 |
| Net loans and leases to core deposits | 106.2738% | 724 |
| Total domestic deposits to total assets | 80.9469% | 5,376 |
| Equity capital to assets | 10.6520% | 3,667 |
| Core capital (leverage) ratio | 10.9767% | 2,410 |
| Tier 1 risk-based capital ratio | 12.3267% | 5,749 |
| Total risk-based capital ratio | 13.5018% | 5,774 |
| Memoranda: | ||
| Average total assets | $3,166,562,000 | 240 |
| Average earning assets | $2,943,943,000 | 230 |
| Average equity | $335,140,250 | 259 |
| Average total loans | $2,353,119,500 | 211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 5,347 |
| Cost of funding earning assets | 0.2759% | 6,816 |
| Net interest margin | 3.8156% | 3,288 |
| Noninterest income to average assets | 1.2418% | 926 |
| Noninterest expense to average assets | 2.3303% | 5,660 |
| Loan and lease loss provision to assets | 0.1672% | 3,434 |
| Net operating income to assets | 2.2862% | 247 |
| Return on assets (ROA) | 2.2882% | 277 |
| Pretax return on assets | 2.2882% | 423 |
| Return on Equity (ROE) | 21.6681% | 261 |
| Retained earnings to average equity (ytd only) | 9.8019% | 1,029 |
| Net charge-offs to loans | 0.1517% | 3,702 |
| Credit loss provision to net charge-offs | 150.2576% | 1,836 |
| Earnings coverage of net charge-offs (x) | 22.0441% | 1,320 |
| Efficiency ratio | 48.6976% | 6,728 |
| Assets per employee ($millions) | 4.6480% | 2,644 |
| Cash dividends to net income (ytd only)* | 54.7636% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,716 |
| Loan loss allowance to noncurrent loans | 305.2962% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 5,742 |
| Noncurrent loans to loans | 0.4379% | 5,659 |
| Net loans and leases to total assets | 76.7774% | 869 |
| Net loans and leases to deposits | 95.1575% | 683 |
| Net loans and leases to core deposits | 106.9306% | 706 |
| Total domestic deposits to total assets | 80.6845% | 5,563 |
| Equity capital to assets | 10.9984% | 3,119 |
| Core capital (leverage) ratio | 11.0196% | 2,275 |
| Tier 1 risk-based capital ratio | 12.6777% | 5,433 |
| Total risk-based capital ratio | 13.8720% | 5,457 |
| Memoranda: | ||
| Average total assets | $3,139,426,000 | 241 |
| Average earning assets | $2,914,279,670 | 230 |
| Average equity | $331,528,670 | 258 |
| Average total loans | $2,303,795,330 | 212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 5,636 |
| Cost of funding earning assets | 0.2851% | 6,890 |
| Net interest margin | 3.7545% | 3,582 |
| Noninterest income to average assets | 1.2118% | 975 |
| Noninterest expense to average assets | 2.4167% | 5,416 |
| Loan and lease loss provision to assets | 0.1011% | 4,075 |
| Net operating income to assets | 2.1735% | 308 |
| Return on assets (ROA) | 2.1775% | 358 |
| Pretax return on assets | 2.1775% | 560 |
| Return on Equity (ROE) | 21.0458% | 316 |
| Retained earnings to average equity (ytd only) | 11.0327% | 1,018 |
| Net charge-offs to loans | 0.1015% | 3,526 |
| Credit loss provision to net charge-offs | 139.8601% | 1,760 |
| Earnings coverage of net charge-offs (x) | 31.4738% | 885 |
| Efficiency ratio | 51.4987% | 6,581 |
| Assets per employee ($millions) | 4.9146% | 2,367 |
| Cash dividends to net income (ytd only)* | 47.5776% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,729 |
| Loan loss allowance to noncurrent loans | 955.0091% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,420 |
| Noncurrent loans to loans | 0.1434% | 6,402 |
| Net loans and leases to total assets | 71.3793% | 1,504 |
| Net loans and leases to deposits | 88.4853% | 1,111 |
| Net loans and leases to core deposits | 98.7194% | 1,071 |
| Total domestic deposits to total assets | 80.6680% | 5,686 |
| Equity capital to assets | 10.4571% | 3,544 |
| Core capital (leverage) ratio | 10.6307% | 2,617 |
| Tier 1 risk-based capital ratio | 13.0823% | 5,145 |
| Total risk-based capital ratio | 14.3167% | 5,125 |
| Memoranda: | ||
| Average total assets | $3,165,992,500 | 238 |
| Average earning assets | $2,934,043,000 | 229 |
| Average equity | $327,572,000 | 254 |
| Average total loans | $2,254,852,000 | 215 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 5,996 |
| Cost of funding earning assets | 0.3559% | 6,993 |
| Net interest margin | 3.8656% | 3,489 |
| Noninterest income to average assets | 1.3617% | 695 |
| Noninterest expense to average assets | 2.5115% | 5,432 |
| Loan and lease loss provision to assets | 0.1533% | 4,707 |
| Net operating income to assets | 2.2785% | 196 |
| Return on assets (ROA) | 2.2797% | 209 |
| Pretax return on assets | 2.2797% | 316 |
| Return on Equity (ROE) | 21.8804% | 186 |
| Retained earnings to average equity (ytd only) | 10.8523% | 424 |
| Net charge-offs to loans | 0.2054% | 4,515 |
| Credit loss provision to net charge-offs | 104.1493% | 3,309 |
| Earnings coverage of net charge-offs (x) | 16.5236% | 1,324 |
| Efficiency ratio | 50.7912% | 6,791 |
| Assets per employee ($millions) | 4.8797% | 2,349 |
| Cash dividends to net income (ytd only)* | 50.4018% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,403 |
| Loan loss allowance to noncurrent loans | 316.2852% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,021 |
| Noncurrent loans to loans | 0.4464% | 5,816 |
| Net loans and leases to total assets | 69.0763% | 2,204 |
| Net loans and leases to deposits | 85.1366% | 1,786 |
| Net loans and leases to core deposits | 94.1543% | 1,679 |
| Total domestic deposits to total assets | 81.1358% | 5,413 |
| Equity capital to assets | 10.2355% | 3,869 |
| Core capital (leverage) ratio | 10.3549% | 2,903 |
| Tier 1 risk-based capital ratio | 13.0204% | 5,054 |
| Total risk-based capital ratio | 14.2704% | 5,027 |
| Memoranda: | ||
| Average total assets | $2,931,335,000 | 244 |
| Average earning assets | $2,715,933,400 | 232 |
| Average equity | $305,410,200 | 263 |
| Average total loans | $2,100,614,200 | 229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 6,000 |
| Cost of funding earning assets | 0.3734% | 7,081 |
| Net interest margin | 3.9092% | 3,339 |
| Noninterest income to average assets | 1.4076% | 661 |
| Noninterest expense to average assets | 2.6039% | 5,063 |
| Loan and lease loss provision to assets | 0.1574% | 4,500 |
| Net operating income to assets | 2.2699% | 222 |
| Return on assets (ROA) | 2.2716% | 240 |
| Pretax return on assets | 2.2716% | 377 |
| Return on Equity (ROE) | 21.6978% | 232 |
| Retained earnings to average equity (ytd only) | 9.8358% | 887 |
| Net charge-offs to loans | 0.2083% | 4,131 |
| Credit loss provision to net charge-offs | 104.7869% | 3,175 |
| Earnings coverage of net charge-offs (x) | 16.1637% | 1,415 |
| Efficiency ratio | 51.7394% | 6,701 |
| Assets per employee ($millions) | 4.7421% | 2,564 |
| Cash dividends to net income (ytd only)* | 54.6692% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 4,039 |
| Loan loss allowance to noncurrent loans | 301.3617% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 6,037 |
| Noncurrent loans to loans | 0.5017% | 5,842 |
| Net loans and leases to total assets | 66.6601% | 2,756 |
| Net loans and leases to deposits | 82.6757% | 2,228 |
| Net loans and leases to core deposits | 92.4402% | 1,944 |
| Total domestic deposits to total assets | 80.6284% | 5,555 |
| Equity capital to assets | 10.2511% | 4,018 |
| Core capital (leverage) ratio | 10.6041% | 2,757 |
| Tier 1 risk-based capital ratio | 13.4032% | 4,805 |
| Total risk-based capital ratio | 14.6543% | 4,774 |
| Memoranda: | ||
| Average total assets | $2,874,885,250 | 248 |
| Average earning assets | $2,664,886,750 | 235 |
| Average equity | $300,976,000 | 265 |
| Average total loans | $2,072,752,750 | 232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 5,780 |
| Cost of funding earning assets | 0.3934% | 7,141 |
| Net interest margin | 3.9792% | 2,945 |
| Noninterest income to average assets | 1.4282% | 623 |
| Noninterest expense to average assets | 2.6275% | 5,083 |
| Loan and lease loss provision to assets | 0.1770% | 4,153 |
| Net operating income to assets | 2.3067% | 218 |
| Return on assets (ROA) | 2.3092% | 232 |
| Pretax return on assets | 2.3092% | 345 |
| Return on Equity (ROE) | 21.8923% | 239 |
| Retained earnings to average equity (ytd only) | 9.6295% | 929 |
| Net charge-offs to loans | 0.2262% | 3,768 |
| Credit loss provision to net charge-offs | 106.1755% | 2,906 |
| Earnings coverage of net charge-offs (x) | 14.8978% | 1,447 |
| Efficiency ratio | 51.3919% | 6,837 |
| Assets per employee ($millions) | 4.4051% | 2,985 |
| Cash dividends to net income (ytd only)* | 56.0144% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,160 |
| Loan loss allowance to noncurrent loans | 299.6158% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 6,037 |
| Noncurrent loans to loans | 0.4986% | 5,907 |
| Net loans and leases to total assets | 71.8451% | 1,818 |
| Net loans and leases to deposits | 87.7453% | 1,538 |
| Net loans and leases to core deposits | 99.5780% | 1,379 |
| Total domestic deposits to total assets | 81.8791% | 5,208 |
| Equity capital to assets | 10.6474% | 3,337 |
| Core capital (leverage) ratio | 10.8361% | 2,384 |
| Tier 1 risk-based capital ratio | 12.8370% | 5,059 |
| Total risk-based capital ratio | 14.0897% | 5,035 |
| Memoranda: | ||
| Average total assets | $2,816,785,000 | 255 |
| Average earning assets | $2,607,079,000 | 244 |
| Average equity | $297,109,330 | 267 |
| Average total loans | $2,075,738,330 | 237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 5,628 |
| Cost of funding earning assets | 0.4212% | 7,179 |
| Net interest margin | 3.9972% | 2,690 |
| Noninterest income to average assets | 1.4551% | 602 |
| Noninterest expense to average assets | 2.6478% | 5,050 |
| Loan and lease loss provision to assets | 0.1007% | 4,750 |
| Net operating income to assets | 2.3968% | 199 |
| Return on assets (ROA) | 2.4018% | 206 |
| Pretax return on assets | 2.4018% | 284 |
| Return on Equity (ROE) | 22.8817% | 219 |
| Retained earnings to average equity (ytd only) | 9.7889% | 1,160 |
| Net charge-offs to loans | 0.0742% | 4,195 |
| Credit loss provision to net charge-offs | 183.0729% | 1,598 |
| Earnings coverage of net charge-offs (x) | 45.4219% | 623 |
| Efficiency ratio | 51.4443% | 6,894 |
| Assets per employee ($millions) | 4.3846% | 3,071 |
| Cash dividends to net income (ytd only)* | 57.2195% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 4,105 |
| Loan loss allowance to noncurrent loans | 271.4607% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 5,948 |
| Noncurrent loans to loans | 0.5604% | 5,904 |
| Net loans and leases to total assets | 72.4788% | 1,616 |
| Net loans and leases to deposits | 89.9636% | 1,235 |
| Net loans and leases to core deposits | 99.5569% | 1,376 |
| Total domestic deposits to total assets | 80.5646% | 5,799 |
| Equity capital to assets | 10.6136% | 3,069 |
| Core capital (leverage) ratio | 10.6025% | 2,505 |
| Tier 1 risk-based capital ratio | 12.6603% | 5,105 |
| Total risk-based capital ratio | 13.9135% | 5,079 |
| Memoranda: | ||
| Average total assets | $2,793,514,500 | 257 |
| Average earning assets | $2,579,024,000 | 250 |
| Average equity | $293,229,500 | 265 |
| Average total loans | $2,069,430,000 | 235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 5,872 |
| Cost of funding earning assets | 0.4429% | 7,379 |
| Net interest margin | 4.2347% | 2,047 |
| Noninterest income to average assets | 1.4147% | 728 |
| Noninterest expense to average assets | 2.6236% | 5,319 |
| Loan and lease loss provision to assets | 0.3461% | 4,058 |
| Net operating income to assets | 2.3624% | 142 |
| Return on assets (ROA) | 2.3627% | 149 |
| Pretax return on assets | 2.3627% | 231 |
| Return on Equity (ROE) | 23.8806% | 119 |
| Retained earnings to average equity (ytd only) | 12.5175% | 239 |
| Net charge-offs to loans | 0.4630% | 3,767 |
| Credit loss provision to net charge-offs | 100.5814% | 4,523 |
| Earnings coverage of net charge-offs (x) | 7.8715% | 2,052 |
| Efficiency ratio | 49.1821% | 7,192 |
| Assets per employee ($millions) | 4.3384% | 3,133 |
| Cash dividends to net income (ytd only)* | 47.5831% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 4,042 |
| Loan loss allowance to noncurrent loans | 272.4967% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 6,067 |
| Noncurrent loans to loans | 0.5487% | 5,954 |
| Net loans and leases to total assets | 73.4492% | 1,777 |
| Net loans and leases to deposits | 89.0898% | 1,632 |
| Net loans and leases to core deposits | 98.0624% | 1,794 |
| Total domestic deposits to total assets | 82.4440% | 5,042 |
| Equity capital to assets | 10.3793% | 3,298 |
| Core capital (leverage) ratio | 10.4445% | 2,614 |
| Tier 1 risk-based capital ratio | 12.4902% | 5,031 |
| Total risk-based capital ratio | 13.7427% | 5,013 |
| Memoranda: | ||
| Average total assets | $2,749,275,600 | 259 |
| Average earning assets | $2,543,295,400 | 252 |
| Average equity | $272,011,200 | 277 |
| Average total loans | $2,043,137,800 | 235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 6,072 |
| Cost of funding earning assets | 0.4528% | 7,516 |
| Net interest margin | 4.2346% | 2,091 |
| Noninterest income to average assets | 1.3486% | 742 |
| Noninterest expense to average assets | 2.6625% | 5,043 |
| Loan and lease loss provision to assets | 0.3406% | 3,881 |
| Net operating income to assets | 2.2669% | 206 |
| Return on assets (ROA) | 2.2669% | 221 |
| Pretax return on assets | 2.2669% | 363 |
| Return on Equity (ROE) | 23.2015% | 158 |
| Retained earnings to average equity (ytd only) | 11.7285% | 493 |
| Net charge-offs to loans | 0.4687% | 3,407 |
| Credit loss provision to net charge-offs | 97.8610% | 4,443 |
| Earnings coverage of net charge-offs (x) | 7.4921% | 2,323 |
| Efficiency ratio | 50.4972% | 7,116 |
| Assets per employee ($millions) | 4.2229% | 3,402 |
| Cash dividends to net income (ytd only)* | 49.4495% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 4,019 |
| Loan loss allowance to noncurrent loans | 262.9188% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 6,268 |
| Noncurrent loans to loans | 0.5661% | 6,072 |
| Net loans and leases to total assets | 75.6490% | 1,469 |
| Net loans and leases to deposits | 92.8688% | 1,347 |
| Net loans and leases to core deposits | 102.1195% | 1,642 |
| Total domestic deposits to total assets | 81.4579% | 5,216 |
| Equity capital to assets | 10.3496% | 3,700 |
| Core capital (leverage) ratio | 10.0406% | 3,213 |
| Tier 1 risk-based capital ratio | 12.1807% | 5,290 |
| Total risk-based capital ratio | 13.4326% | 5,255 |
| Memoranda: | ||
| Average total assets | $2,740,275,000 | 258 |
| Average earning assets | $2,537,611,000 | 251 |
| Average equity | $267,740,750 | 275 |
| Average total loans | $2,034,718,500 | 237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 6,338 |
| Cost of funding earning assets | 0.4543% | 7,596 |
| Net interest margin | 4.1870% | 2,194 |
| Noninterest income to average assets | 1.2974% | 755 |
| Noninterest expense to average assets | 2.5360% | 5,587 |
| Loan and lease loss provision to assets | 0.5083% | 2,764 |
| Net operating income to assets | 2.1274% | 265 |
| Return on assets (ROA) | 2.1274% | 288 |
| Pretax return on assets | 2.1274% | 466 |
| Return on Equity (ROE) | 22.2028% | 201 |
| Retained earnings to average equity (ytd only) | 11.3106% | 591 |
| Net charge-offs to loans | 0.6800% | 2,518 |
| Credit loss provision to net charge-offs | 101.8034% | 4,006 |
| Earnings coverage of net charge-offs (x) | 5.2787% | 2,711 |
| Efficiency ratio | 49.0101% | 7,286 |
| Assets per employee ($millions) | 4.2256% | 3,340 |
| Cash dividends to net income (ytd only)* | 49.0579% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,749 |
| Loan loss allowance to noncurrent loans | 104.0455% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,873 |
| Noncurrent loans to loans | 1.4740% | 4,491 |
| Net loans and leases to total assets | 73.3114% | 2,080 |
| Net loans and leases to deposits | 88.6882% | 2,054 |
| Net loans and leases to core deposits | 99.9050% | 2,026 |
| Total domestic deposits to total assets | 82.6621% | 4,709 |
| Equity capital to assets | 9.9233% | 4,107 |
| Core capital (leverage) ratio | 9.9241% | 3,253 |
| Tier 1 risk-based capital ratio | 12.2240% | 5,099 |
| Total risk-based capital ratio | 13.4758% | 5,073 |
| Memoranda: | ||
| Average total assets | $2,754,215,000 | 257 |
| Average earning assets | $2,548,496,330 | 250 |
| Average equity | $263,895,000 | 278 |
| Average total loans | $2,022,225,670 | 240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 6,532 |
| Cost of funding earning assets | 0.4605% | 7,721 |
| Net interest margin | 4.1500% | 2,238 |
| Noninterest income to average assets | 1.2850% | 737 |
| Noninterest expense to average assets | 2.4377% | 5,954 |
| Loan and lease loss provision to assets | 0.5671% | 2,228 |
| Net operating income to assets | 2.1150% | 288 |
| Return on assets (ROA) | 2.1150% | 313 |
| Pretax return on assets | 2.1150% | 490 |
| Return on Equity (ROE) | 22.4687% | 254 |
| Retained earnings to average equity (ytd only) | 10.8008% | 959 |
| Net charge-offs to loans | 0.5243% | 2,496 |
| Credit loss provision to net charge-offs | 148.3371% | 2,405 |
| Earnings coverage of net charge-offs (x) | 7.0159% | 2,138 |
| Efficiency ratio | 47.5872% | 7,471 |
| Assets per employee ($millions) | 4.4128% | 3,106 |
| Cash dividends to net income (ytd only)* | 51.9298% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,490 |
| Loan loss allowance to noncurrent loans | 90.6041% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 4,573 |
| Noncurrent loans to loans | 1.7568% | 4,115 |
| Net loans and leases to total assets | 72.6993% | 2,284 |
| Net loans and leases to deposits | 89.5680% | 1,974 |
| Net loans and leases to core deposits | 100.3128% | 2,098 |
| Total domestic deposits to total assets | 81.1666% | 5,396 |
| Equity capital to assets | 9.6178% | 4,351 |
| Core capital (leverage) ratio | 9.5591% | 3,691 |
| Tier 1 risk-based capital ratio | 11.8778% | 5,317 |
| Total risk-based capital ratio | 13.1302% | 5,268 |
| Memoranda: | ||
| Average total assets | $2,768,566,000 | 266 |
| Average earning assets | $2,558,283,000 | 259 |
| Average equity | $260,611,500 | 288 |
| Average total loans | $2,018,722,000 | 251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 6,804 |
| Cost of funding earning assets | 0.6330% | 7,751 |
| Net interest margin | 4.2291% | 1,975 |
| Noninterest income to average assets | 1.3071% | 878 |
| Noninterest expense to average assets | 2.4662% | 6,249 |
| Loan and lease loss provision to assets | 0.8261% | 2,657 |
| Net operating income to assets | 1.9082% | 286 |
| Return on assets (ROA) | 1.9027% | 296 |
| Pretax return on assets | 1.9027% | 506 |
| Return on Equity (ROE) | 21.0726% | 195 |
| Retained earnings to average equity (ytd only) | 10.6625% | 305 |
| Net charge-offs to loans | 0.8049% | 2,811 |
| Credit loss provision to net charge-offs | 138.1038% | 3,554 |
| Earnings coverage of net charge-offs (x) | 4.5713% | 2,902 |
| Efficiency ratio | 47.3940% | 7,654 |
| Assets per employee ($millions) | 4.4822% | 2,961 |
| Cash dividends to net income (ytd only)* | 49.4012% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,515 |
| Loan loss allowance to noncurrent loans | 83.1500% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.3450% | 4,411 |
| Noncurrent loans to loans | 1.8548% | 3,857 |
| Net loans and leases to total assets | 70.8628% | 3,041 |
| Net loans and leases to deposits | 85.7365% | 2,959 |
| Net loans and leases to core deposits | 99.2446% | 4,085 |
| Total domestic deposits to total assets | 82.6519% | 4,679 |
| Equity capital to assets | 9.2121% | 4,829 |
| Core capital (leverage) ratio | 9.2784% | 4,006 |
| Tier 1 risk-based capital ratio | 11.4570% | 5,448 |
| Total risk-based capital ratio | 12.7086% | 5,405 |
| Memoranda: | ||
| Average total assets | $2,703,170,800 | 275 |
| Average earning assets | $2,488,597,400 | 268 |
| Average equity | $244,080,200 | 291 |
| Average total loans | $2,008,729,000 | 260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 6,823 |
| Cost of funding earning assets | 0.6814% | 7,830 |
| Net interest margin | 4.2440% | 1,889 |
| Noninterest income to average assets | 1.3038% | 916 |
| Noninterest expense to average assets | 2.4704% | 6,175 |
| Loan and lease loss provision to assets | 0.9738% | 1,973 |
| Net operating income to assets | 1.7690% | 482 |
| Return on assets (ROA) | 1.7727% | 499 |
| Pretax return on assets | 1.7727% | 847 |
| Return on Equity (ROE) | 19.7361% | 325 |
| Retained earnings to average equity (ytd only) | 10.4176% | 556 |
| Net charge-offs to loans | 0.9233% | 2,123 |
| Credit loss provision to net charge-offs | 140.7823% | 3,489 |
| Earnings coverage of net charge-offs (x) | 3.9653% | 3,317 |
| Efficiency ratio | 47.3574% | 7,697 |
| Assets per employee ($millions) | 4.1441% | 3,475 |
| Cash dividends to net income (ytd only)* | 47.2155% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,243 |
| Loan loss allowance to noncurrent loans | 84.3080% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 4,315 |
| Noncurrent loans to loans | 1.8239% | 3,880 |
| Net loans and leases to total assets | 74.3455% | 2,432 |
| Net loans and leases to deposits | 88.3660% | 2,892 |
| Net loans and leases to core deposits | 102.6922% | 4,085 |
| Total domestic deposits to total assets | 84.1337% | 3,660 |
| Equity capital to assets | 9.5266% | 4,708 |
| Core capital (leverage) ratio | 9.5436% | 3,853 |
| Tier 1 risk-based capital ratio | 11.2580% | 5,680 |
| Total risk-based capital ratio | 12.5096% | 5,630 |
| Memoranda: | ||
| Average total assets | $2,680,868,000 | 286 |
| Average earning assets | $2,469,522,750 | 280 |
| Average equity | $240,790,750 | 304 |
| Average total loans | $2,008,472,500 | 269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 6,914 |
| Cost of funding earning assets | 0.7335% | 7,894 |
| Net interest margin | 4.2191% | 1,922 |
| Noninterest income to average assets | 1.3148% | 888 |
| Noninterest expense to average assets | 2.4206% | 6,402 |
| Loan and lease loss provision to assets | 1.1176% | 1,534 |
| Net operating income to assets | 1.6525% | 618 |
| Return on assets (ROA) | 1.6579% | 668 |
| Pretax return on assets | 1.6579% | 1,097 |
| Return on Equity (ROE) | 18.8291% | 414 |
| Retained earnings to average equity (ytd only) | 9.1111% | 910 |
| Net charge-offs to loans | 1.0927% | 1,660 |
| Credit loss provision to net charge-offs | 136.8669% | 3,413 |
| Earnings coverage of net charge-offs (x) | 3.3924% | 3,452 |
| Efficiency ratio | 46.6041% | 7,826 |
| Assets per employee ($millions) | 4.1046% | 3,479 |
| Cash dividends to net income (ytd only)* | 51.6115% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 3,459 |
| Loan loss allowance to noncurrent loans | 573.6748% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 6,973 |
| Noncurrent loans to loans | 0.2529% | 6,883 |
| Net loans and leases to total assets | 75.4343% | 2,335 |
| Net loans and leases to deposits | 88.5722% | 3,076 |
| Net loans and leases to core deposits | 108.8527% | 3,509 |
| Total domestic deposits to total assets | 85.1670% | 3,180 |
| Equity capital to assets | 9.3028% | 4,861 |
| Core capital (leverage) ratio | 8.9107% | 4,767 |
| Tier 1 risk-based capital ratio | 10.6976% | 6,183 |
| Total risk-based capital ratio | 11.9467% | 6,129 |
| Memoranda: | ||
| Average total assets | $2,698,704,000 | 292 |
| Average earning assets | $2,479,217,000 | 285 |
| Average equity | $237,621,330 | 311 |
| Average total loans | $2,016,686,330 | 277 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 7,131 |
| Cost of funding earning assets | 0.7761% | 7,934 |
| Net interest margin | 4.1410% | 2,122 |
| Noninterest income to average assets | 1.2381% | 935 |
| Noninterest expense to average assets | 2.3513% | 6,365 |
| Loan and lease loss provision to assets | 0.9829% | 1,319 |
| Net operating income to assets | 1.6836% | 667 |
| Return on assets (ROA) | 1.6943% | 720 |
| Pretax return on assets | 1.6943% | 1,191 |
| Return on Equity (ROE) | 19.7717% | 440 |
| Retained earnings to average equity (ytd only) | 9.1917% | 1,421 |
| Net charge-offs to loans | 1.2658% | 1,109 |
| Credit loss provision to net charge-offs | 105.1238% | 3,608 |
| Earnings coverage of net charge-offs (x) | 2.8519% | 3,358 |
| Efficiency ratio | 46.8296% | 7,802 |
| Assets per employee ($millions) | 4.4584% | 2,789 |
| Cash dividends to net income (ytd only)* | 53.5110% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 4,574 |
| Loan loss allowance to noncurrent loans | 263.3215% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 6,437 |
| Noncurrent loans to loans | 0.4678% | 6,244 |
| Net loans and leases to total assets | 72.5204% | 3,118 |
| Net loans and leases to deposits | 91.9913% | 2,607 |
| Net loans and leases to core deposits | 109.3738% | 3,515 |
| Total domestic deposits to total assets | 78.8340% | 5,781 |
| Equity capital to assets | 8.5413% | 6,005 |
| Core capital (leverage) ratio | 8.6885% | 5,173 |
| Tier 1 risk-based capital ratio | 10.2218% | 6,691 |
| Total risk-based capital ratio | 11.3104% | 6,764 |
| Memoranda: | ||
| Average total assets | $2,746,890,000 | 286 |
| Average earning assets | $2,507,336,000 | 286 |
| Average equity | $235,386,500 | 317 |
| Average total loans | $2,029,055,500 | 279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0294% | 5,414 |
| Cost of funding earning assets | 1.7826% | 7,053 |
| Net interest margin | 4.2467% | 2,127 |
| Noninterest income to average assets | 1.2871% | 888 |
| Noninterest expense to average assets | 2.4193% | 6,332 |
| Loan and lease loss provision to assets | 0.6777% | 2,142 |
| Net operating income to assets | 1.9852% | 367 |
| Return on assets (ROA) | 1.9980% | 336 |
| Pretax return on assets | 1.9980% | 606 |
| Return on Equity (ROE) | 23.8519% | 177 |
| Retained earnings to average equity (ytd only) | 11.5495% | 265 |
| Net charge-offs to loans | 0.7400% | 1,673 |
| Credit loss provision to net charge-offs | 123.7555% | 4,331 |
| Earnings coverage of net charge-offs (x) | 4.8627% | 3,829 |
| Efficiency ratio | 47.5686% | 7,844 |
| Assets per employee ($millions) | 4.3597% | 2,861 |
| Cash dividends to net income (ytd only)* | 51.5781% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,291 |
| Loan loss allowance to noncurrent loans | 382.3711% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 6,537 |
| Noncurrent loans to loans | 0.3223% | 6,408 |
| Net loans and leases to total assets | 73.4055% | 3,259 |
| Net loans and leases to deposits | 88.9714% | 3,644 |
| Net loans and leases to core deposits | 101.6124% | 4,658 |
| Total domestic deposits to total assets | 82.5046% | 3,991 |
| Equity capital to assets | 8.5978% | 5,942 |
| Core capital (leverage) ratio | 8.6260% | 5,331 |
| Tier 1 risk-based capital ratio | 9.9563% | 6,787 |
| Total risk-based capital ratio | 11.0266% | 6,870 |
| Memoranda: | ||
| Average total assets | $2,622,835,000 | 286 |
| Average earning assets | $2,343,867,800 | 289 |
| Average equity | $219,705,600 | 341 |
| Average total loans | $1,940,994,600 | 282 |