Home > American Savings Bank, FSB > Performance and Condition Ratios
American Savings Bank, FSB, 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 | 3.8576% | 4,120 |
| Cost of funding earning assets | 0.9541% | 3,398 |
| Net interest margin | 2.9036% | 3,484 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.3288% | 2,776 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.6853% | 3,230 |
| Return on assets (ROA) | 0.5546% | 3,542 |
| Pretax return on assets | 0.6590% | 3,521 |
| Return on Equity (ROE) | 10.9100% | 2,253 |
| Retained earnings to average equity (ytd only) | 2.9366% | 3,299 |
| Net charge-offs to loans | 0.1227% | 800 |
| Credit loss provision to net charge-offs | 128.7428% | 1,608 |
| Earnings coverage of net charge-offs (x) | 11.8282% | 2,173 |
| Efficiency ratio | 71.6343% | 1,696 |
| Assets per employee ($millions) | 9.9930% | 706 |
| Cash dividends to net income (ytd only)* | 73.0857% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,292 |
| Loan loss allowance to noncurrent loans | 257.7796% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 1,763 |
| Noncurrent loans to loans | 0.4656% | 1,618 |
| Net loans and leases to total assets | 63.2800% | 2,538 |
| Net loans and leases to deposits | 74.6611% | 2,569 |
| Net loans and leases to core deposits | 79.4202% | 2,742 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 5.4775% | 4,341 |
| Core capital (leverage) ratio | 7.6796% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3847% | 2,105 |
| Memoranda: | ||
| Average total assets | $9,621,470,200 | 164 |
| Average earning assets | $8,678,426,800 | 163 |
| Average equity | $489,065,400 | 271 |
| Average total loans | $6,114,798,200 | 177 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,121 |
| Cost of funding earning assets | 0.8629% | 3,366 |
| Net interest margin | 2.9331% | 3,471 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.2828% | 2,845 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.6956% | 3,335 |
| Return on assets (ROA) | 0.6956% | 3,318 |
| Pretax return on assets | 0.8535% | 3,205 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | 3.0992% | 3,488 |
| Net charge-offs to loans | 0.1138% | 703 |
| Credit loss provision to net charge-offs | 179.7617% | 1,193 |
| Earnings coverage of net charge-offs (x) | 13.7544% | 2,025 |
| Efficiency ratio | 69.6859% | 1,822 |
| Assets per employee ($millions) | 9.7648% | 725 |
| Cash dividends to net income (ytd only)* | 77.7962% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,200 |
| Loan loss allowance to noncurrent loans | 772.7788% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 2,894 |
| Noncurrent loans to loans | 0.1596% | 2,753 |
| Net loans and leases to total assets | 63.3400% | 2,524 |
| Net loans and leases to deposits | 73.9463% | 2,567 |
| Net loans and leases to core deposits | 79.8164% | 2,619 |
| Total domestic deposits to total assets | 85.6500% | 2,294 |
| Equity capital to assets | 4.7522% | 4,293 |
| Core capital (leverage) ratio | 7.6858% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2899% | 2,165 |
| Memoranda: | ||
| Average total assets | $9,608,539,750 | 165 |
| Average earning assets | $8,670,425,750 | 163 |
| Average equity | $478,869,000 | 277 |
| Average total loans | $6,094,503,250 | 178 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 4,114 |
| Cost of funding earning assets | 0.7643% | 3,317 |
| Net interest margin | 2.9616% | 3,538 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.2553% | 2,937 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8083% | 3,055 |
| Return on assets (ROA) | 0.8083% | 3,063 |
| Pretax return on assets | 1.0167% | 2,866 |
| Return on Equity (ROE) | 15.9700% | 1,271 |
| Retained earnings to average equity (ytd only) | 5.6707% | 2,737 |
| Net charge-offs to loans | 0.1375% | 549 |
| Credit loss provision to net charge-offs | 24.4359% | 1,758 |
| Earnings coverage of net charge-offs (x) | 11.9971% | 1,953 |
| Efficiency ratio | 68.3961% | 1,935 |
| Assets per employee ($millions) | 9.5349% | 768 |
| Cash dividends to net income (ytd only)* | 64.4895% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,826 |
| Loan loss allowance to noncurrent loans | 520.5607% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,586 |
| Noncurrent loans to loans | 0.2159% | 2,404 |
| Net loans and leases to total assets | 63.1600% | 2,469 |
| Net loans and leases to deposits | 73.9891% | 2,494 |
| Net loans and leases to core deposits | 78.3172% | 2,588 |
| Total domestic deposits to total assets | 85.3600% | 2,442 |
| Equity capital to assets | 5.1471% | 4,355 |
| Core capital (leverage) ratio | 7.7894% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2465% | 2,198 |
| Memoranda: | ||
| Average total assets | $9,592,243,667 | 161 |
| Average earning assets | $8,653,981,333 | 160 |
| Average equity | $485,511,667 | 265 |
| Average total loans | $6,061,612,000 | 173 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 4,060 |
| Cost of funding earning assets | 0.6739% | 3,142 |
| Net interest margin | 3.0051% | 3,588 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.2708% | 2,890 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7752% | 3,276 |
| Return on assets (ROA) | 0.7752% | 3,232 |
| Pretax return on assets | 0.9901% | 3,024 |
| Return on Equity (ROE) | 15.4500% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.7963% | 3,326 |
| Net charge-offs to loans | 0.1392% | 482 |
| Credit loss provision to net charge-offs | 56.0859% | 1,289 |
| Earnings coverage of net charge-offs (x) | 11.8768% | 1,625 |
| Efficiency ratio | 68.6055% | 1,906 |
| Assets per employee ($millions) | 9.1091% | 901 |
| Cash dividends to net income (ytd only)* | 75.4229% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,682 |
| Loan loss allowance to noncurrent loans | 492.1378% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 2,406 |
| Noncurrent loans to loans | 0.2391% | 2,307 |
| Net loans and leases to total assets | 62.3200% | 2,436 |
| Net loans and leases to deposits | 72.3597% | 2,438 |
| Net loans and leases to core deposits | 77.5867% | 2,418 |
| Total domestic deposits to total assets | 86.1200% | 2,549 |
| Equity capital to assets | 5.1244% | 4,401 |
| Core capital (leverage) ratio | 7.7082% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0813% | 2,364 |
| Memoranda: | ||
| Average total assets | $9,578,020,000 | 169 |
| Average earning assets | $8,641,504,000 | 166 |
| Average equity | $480,673,500 | 272 |
| Average total loans | $6,019,872,000 | 179 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1608% | 3,888 |
| Cost of funding earning assets | 0.1579% | 4,072 |
| Net interest margin | 3.0029% | 3,442 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.2069% | 3,009 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8599% | 3,115 |
| Return on assets (ROA) | 0.8599% | 3,045 |
| Pretax return on assets | 1.0991% | 2,773 |
| Return on Equity (ROE) | 14.3200% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.8014% | 2,320 |
| Net charge-offs to loans | 0.0264% | 1,531 |
| Credit loss provision to net charge-offs | 174.8449% | 1,196 |
| Earnings coverage of net charge-offs (x) | 71.8663% | 1,144 |
| Efficiency ratio | 66.3150% | 2,182 |
| Assets per employee ($millions) | 8.9971% | 916 |
| Cash dividends to net income (ytd only)* | 52.5072% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 2,347 |
| Loan loss allowance to noncurrent loans | 438.5765% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 2,332 |
| Noncurrent loans to loans | 0.2754% | 2,170 |
| Net loans and leases to total assets | 61.8800% | 2,453 |
| Net loans and leases to deposits | 71.8286% | 2,423 |
| Net loans and leases to core deposits | 74.9752% | 2,499 |
| Total domestic deposits to total assets | 86.1600% | 2,680 |
| Equity capital to assets | 4.9119% | 4,379 |
| Core capital (leverage) ratio | 7.7755% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1359% | 2,313 |
| Memoranda: | ||
| Average total assets | $9,302,074,800 | 170 |
| Average earning assets | $8,422,126,200 | 166 |
| Average equity | $558,545,800 | 252 |
| Average total loans | $5,503,033,200 | 181 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0480% | 3,797 |
| Cost of funding earning assets | 0.0759% | 4,446 |
| Net interest margin | 2.9720% | 3,291 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1522% | 3,071 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.8959% | 2,878 |
| Return on assets (ROA) | 0.8959% | 2,860 |
| Pretax return on assets | 1.1485% | 2,558 |
| Return on Equity (ROE) | 14.2500% | 1,364 |
| Retained earnings to average equity (ytd only) | 6.9061% | 2,399 |
| Net charge-offs to loans | 0.0132% | 1,629 |
| Credit loss provision to net charge-offs | -36.0902% | 4,627 |
| Earnings coverage of net charge-offs (x) | 148.3327% | 753 |
| Efficiency ratio | 65.4013% | 2,355 |
| Assets per employee ($millions) | 8.7800% | 973 |
| Cash dividends to net income (ytd only)* | 51.5364% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,337 |
| Loan loss allowance to noncurrent loans | 349.7218% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 2,143 |
| Noncurrent loans to loans | 0.3538% | 1,964 |
| Net loans and leases to total assets | 60.3300% | 2,468 |
| Net loans and leases to deposits | 67.6684% | 2,563 |
| Net loans and leases to core deposits | 69.4719% | 2,680 |
| Total domestic deposits to total assets | 89.1600% | 2,026 |
| Equity capital to assets | 4.8208% | 4,331 |
| Core capital (leverage) ratio | 7.7497% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5058% | 2,261 |
| Memoranda: | ||
| Average total assets | $9,241,101,000 | 173 |
| Average earning assets | $8,379,649,000 | 168 |
| Average equity | $580,961,000 | 245 |
| Average total loans | $5,383,859,000 | 184 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 3,706 |
| Cost of funding earning assets | 0.0480% | 4,606 |
| Net interest margin | 2.8879% | 3,203 |
| Noninterest income to average assets | 0.6160% | 1,675 |
| Noninterest expense to average assets | 2.1182% | 3,099 |
| Loan and lease loss provision to assets | -0.0110% | 4,404 |
| Net operating income to assets | 0.8970% | 2,596 |
| Return on assets (ROA) | 0.8970% | 2,571 |
| Pretax return on assets | 1.1355% | 2,284 |
| Return on Equity (ROE) | 13.2293% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.5881% | 2,848 |
| Net charge-offs to loans | 0.0064% | 1,769 |
| Credit loss provision to net charge-offs | -896.4286% | 3,516 |
| Earnings coverage of net charge-offs (x) | 308.4405% | 397 |
| Efficiency ratio | 65.3227% | 2,605 |
| Assets per employee ($millions) | 8.5720% | 1,040 |
| Cash dividends to net income (ytd only)* | 65.3184% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,283 |
| Loan loss allowance to noncurrent loans | 317.4551% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 2,126 |
| Noncurrent loans to loans | 0.4029% | 1,920 |
| Net loans and leases to total assets | 58.1807% | 2,513 |
| Net loans and leases to deposits | 64.5937% | 2,668 |
| Net loans and leases to core deposits | 65.4271% | 2,862 |
| Total domestic deposits to total assets | 90.0719% | 1,682 |
| Equity capital to assets | 5.7727% | 4,281 |
| Core capital (leverage) ratio | 7.7148% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8477% | 2,126 |
| Memoranda: | ||
| Average total assets | $9,216,264,333 | 172 |
| Average earning assets | $8,383,039,000 | 168 |
| Average equity | $624,918,000 | 229 |
| Average total loans | $5,281,648,333 | 183 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8661% | 3,616 |
| Cost of funding earning assets | 0.0453% | 4,629 |
| Net interest margin | 2.8208% | 3,071 |
| Noninterest income to average assets | 0.6886% | 1,353 |
| Noninterest expense to average assets | 2.0924% | 3,167 |
| Loan and lease loss provision to assets | -0.1416% | 4,641 |
| Net operating income to assets | 1.0359% | 1,739 |
| Return on assets (ROA) | 1.0359% | 1,732 |
| Pretax return on assets | 1.3113% | 1,470 |
| Return on Equity (ROE) | 14.2210% | 790 |
| Retained earnings to average equity (ytd only) | 5.2845% | 2,486 |
| Net charge-offs to loans | 0.0120% | 1,324 |
| Credit loss provision to net charge-offs | -2,412.1795% | 3,419 |
| Earnings coverage of net charge-offs (x) | 172.7692% | 475 |
| Efficiency ratio | 64.1429% | 3,008 |
| Assets per employee ($millions) | 8.6068% | 1,059 |
| Cash dividends to net income (ytd only)* | 62.8404% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,392 |
| Loan loss allowance to noncurrent loans | 180.3451% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 1,497 |
| Noncurrent loans to loans | 0.7177% | 1,322 |
| Net loans and leases to total assets | 55.3967% | 2,589 |
| Net loans and leases to deposits | 61.4942% | 2,760 |
| Net loans and leases to core deposits | 62.0620% | 2,968 |
| Total domestic deposits to total assets | 90.0844% | 1,510 |
| Equity capital to assets | 6.6468% | 4,365 |
| Core capital (leverage) ratio | 7.8258% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3159% | 2,071 |
| Memoranda: | ||
| Average total assets | $9,216,964,000 | 174 |
| Average earning assets | $8,408,876,000 | 169 |
| Average equity | $671,402,500 | 219 |
| Average total loans | $5,207,106,000 | 185 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0159% | 3,848 |
| Cost of funding earning assets | 0.0625% | 4,630 |
| Net interest margin | 2.9534% | 3,312 |
| Noninterest income to average assets | 0.7156% | 1,710 |
| Noninterest expense to average assets | 2.2307% | 2,988 |
| Loan and lease loss provision to assets | -0.2920% | 4,772 |
| Net operating income to assets | 1.1400% | 2,143 |
| Return on assets (ROA) | 1.1448% | 2,184 |
| Pretax return on assets | 1.4764% | 1,797 |
| Return on Equity (ROE) | 13.8429% | 1,231 |
| Retained earnings to average equity (ytd only) | 5.7752% | 2,452 |
| Net charge-offs to loans | 0.0692% | 1,105 |
| Credit loss provision to net charge-offs | -724.7669% | 3,844 |
| Earnings coverage of net charge-offs (x) | 28.5809% | 1,644 |
| Efficiency ratio | 65.4342% | 2,348 |
| Assets per employee ($millions) | 8.4390% | 1,106 |
| Cash dividends to net income (ytd only)* | 58.2808% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,085 |
| Loan loss allowance to noncurrent loans | 158.1580% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 1,361 |
| Noncurrent loans to loans | 0.8613% | 1,184 |
| Net loans and leases to total assets | 56.0946% | 2,597 |
| Net loans and leases to deposits | 62.6562% | 2,817 |
| Net loans and leases to core deposits | 63.3117% | 3,041 |
| Total domestic deposits to total assets | 89.5277% | 1,221 |
| Equity capital to assets | 7.9269% | 4,398 |
| Core capital (leverage) ratio | 7.8628% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3109% | 2,121 |
| Memoranda: | ||
| Average total assets | $8,843,296,600 | 178 |
| Average earning assets | $8,064,994,800 | 174 |
| Average equity | $731,304,400 | 209 |
| Average total loans | $5,265,762,400 | 186 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0540% | 3,901 |
| Cost of funding earning assets | 0.0664% | 4,706 |
| Net interest margin | 2.9876% | 3,340 |
| Noninterest income to average assets | 0.7290% | 1,735 |
| Noninterest expense to average assets | 2.2423% | 2,918 |
| Loan and lease loss provision to assets | -0.3405% | 4,839 |
| Net operating income to assets | 1.1978% | 2,177 |
| Return on assets (ROA) | 1.2042% | 2,218 |
| Pretax return on assets | 1.5578% | 1,829 |
| Return on Equity (ROE) | 14.4051% | 1,280 |
| Retained earnings to average equity (ytd only) | 7.1211% | 2,368 |
| Net charge-offs to loans | 0.0831% | 846 |
| Credit loss provision to net charge-offs | -667.6900% | 3,739 |
| Earnings coverage of net charge-offs (x) | 24.1459% | 1,647 |
| Efficiency ratio | 64.9640% | 2,253 |
| Assets per employee ($millions) | 8.3818% | 1,097 |
| Cash dividends to net income (ytd only)* | 50.5657% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,756 |
| Loan loss allowance to noncurrent loans | 152.5194% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 1,390 |
| Noncurrent loans to loans | 0.9620% | 1,194 |
| Net loans and leases to total assets | 56.6031% | 2,659 |
| Net loans and leases to deposits | 63.5397% | 2,901 |
| Net loans and leases to core deposits | 64.2388% | 3,117 |
| Total domestic deposits to total assets | 89.0831% | 1,232 |
| Equity capital to assets | 8.1740% | 4,428 |
| Core capital (leverage) ratio | 7.9878% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6528% | 2,107 |
| Memoranda: | ||
| Average total assets | $8,758,720,000 | 178 |
| Average earning assets | $7,981,627,250 | 174 |
| Average equity | $732,176,000 | 208 |
| Average total loans | $5,276,823,500 | 186 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0703% | 3,923 |
| Cost of funding earning assets | 0.0708% | 4,741 |
| Net interest margin | 2.9995% | 3,327 |
| Noninterest income to average assets | 0.7692% | 1,619 |
| Noninterest expense to average assets | 2.2084% | 3,070 |
| Loan and lease loss provision to assets | -0.4759% | 4,901 |
| Net operating income to assets | 1.3700% | 1,653 |
| Return on assets (ROA) | 1.3796% | 1,701 |
| Pretax return on assets | 1.7774% | 1,285 |
| Return on Equity (ROE) | 16.3781% | 885 |
| Retained earnings to average equity (ytd only) | 8.7146% | 1,813 |
| Net charge-offs to loans | 0.1114% | 689 |
| Credit loss provision to net charge-offs | -676.0906% | 3,554 |
| Earnings coverage of net charge-offs (x) | 18.9124% | 1,556 |
| Efficiency ratio | 63.1378% | 2,548 |
| Assets per employee ($millions) | 8.2499% | 1,101 |
| Cash dividends to net income (ytd only)* | 46.7914% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,606 |
| Loan loss allowance to noncurrent loans | 146.8887% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 1,401 |
| Noncurrent loans to loans | 1.0176% | 1,207 |
| Net loans and leases to total assets | 57.8804% | 2,683 |
| Net loans and leases to deposits | 65.1186% | 2,888 |
| Net loans and leases to core deposits | 65.9706% | 3,115 |
| Total domestic deposits to total assets | 88.8846% | 1,337 |
| Equity capital to assets | 8.3097% | 4,349 |
| Core capital (leverage) ratio | 8.0339% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,674,820,333 | 177 |
| Average earning assets | $7,891,207,667 | 175 |
| Average equity | $730,730,667 | 208 |
| Average total loans | $5,310,390,667 | 187 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0321% | 4,018 |
| Cost of funding earning assets | 0.0767% | 4,764 |
| Net interest margin | 2.9554% | 3,370 |
| Noninterest income to average assets | 0.8578% | 1,438 |
| Noninterest expense to average assets | 2.2235% | 3,035 |
| Loan and lease loss provision to assets | -0.3943% | 4,894 |
| Net operating income to assets | 1.3618% | 1,656 |
| Return on assets (ROA) | 1.3816% | 1,697 |
| Pretax return on assets | 1.7343% | 1,426 |
| Return on Equity (ROE) | 16.2865% | 961 |
| Retained earnings to average equity (ytd only) | 13.5313% | 809 |
| Net charge-offs to loans | 0.1775% | 445 |
| Credit loss provision to net charge-offs | -296.4602% | 3,045 |
| Earnings coverage of net charge-offs (x) | 11.8580% | 1,437 |
| Efficiency ratio | 62.8312% | 2,631 |
| Assets per employee ($millions) | 8.1401% | 1,135 |
| Cash dividends to net income (ytd only)* | 16.9170% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 1,001 |
| Loan loss allowance to noncurrent loans | 172.1033% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 1,547 |
| Noncurrent loans to loans | 1.0000% | 1,344 |
| Net loans and leases to total assets | 60.1274% | 2,530 |
| Net loans and leases to deposits | 67.3297% | 2,776 |
| Net loans and leases to core deposits | 68.3466% | 3,034 |
| Total domestic deposits to total assets | 89.3030% | 1,170 |
| Equity capital to assets | 8.2086% | 4,360 |
| Core capital (leverage) ratio | 8.3316% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,557,278,500 | 177 |
| Average earning assets | $7,762,589,000 | 175 |
| Average equity | $725,901,000 | 208 |
| Average total loans | $5,347,918,000 | 188 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 4,056 |
| Cost of funding earning assets | 0.1577% | 4,704 |
| Net interest margin | 3.3273% | 2,997 |
| Noninterest income to average assets | 0.8680% | 1,357 |
| Noninterest expense to average assets | 2.4627% | 2,951 |
| Loan and lease loss provision to assets | 0.6368% | 292 |
| Net operating income to assets | 0.6377% | 3,634 |
| Return on assets (ROA) | 0.7362% | 3,433 |
| Pretax return on assets | 0.8856% | 3,409 |
| Return on Equity (ROE) | 8.1011% | 2,775 |
| Retained earnings to average equity (ytd only) | 3.7398% | 2,961 |
| Net charge-offs to loans | 0.4014% | 430 |
| Credit loss provision to net charge-offs | 232.6964% | 2,005 |
| Earnings coverage of net charge-offs (x) | 5.1297% | 2,894 |
| Efficiency ratio | 63.6931% | 2,868 |
| Assets per employee ($millions) | 7.8180% | 1,111 |
| Cash dividends to net income (ytd only)* | 53.8353% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 744 |
| Loan loss allowance to noncurrent loans | 213.5222% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 1,866 |
| Noncurrent loans to loans | 0.8839% | 1,598 |
| Net loans and leases to total assets | 62.6558% | 2,522 |
| Net loans and leases to deposits | 70.7022% | 2,805 |
| Net loans and leases to core deposits | 71.8293% | 3,091 |
| Total domestic deposits to total assets | 88.6193% | 1,160 |
| Equity capital to assets | 8.7676% | 4,246 |
| Core capital (leverage) ratio | 8.3755% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $7,822,141,000 | 177 |
| Average earning assets | $7,049,144,000 | 176 |
| Average equity | $710,809,000 | 200 |
| Average total loans | $5,333,467,000 | 181 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 4,083 |
| Cost of funding earning assets | 0.1810% | 4,728 |
| Net interest margin | 3.3887% | 2,954 |
| Noninterest income to average assets | 0.8319% | 1,390 |
| Noninterest expense to average assets | 2.5436% | 2,711 |
| Loan and lease loss provision to assets | 0.6113% | 405 |
| Net operating income to assets | 0.5959% | 3,780 |
| Return on assets (ROA) | 0.7280% | 3,461 |
| Pretax return on assets | 0.8913% | 3,400 |
| Return on Equity (ROE) | 7.9349% | 2,829 |
| Retained earnings to average equity (ytd only) | 2.6355% | 3,672 |
| Net charge-offs to loans | 0.4141% | 385 |
| Credit loss provision to net charge-offs | 212.8287% | 2,062 |
| Earnings coverage of net charge-offs (x) | 4.6708% | 2,800 |
| Efficiency ratio | 65.4699% | 2,528 |
| Assets per employee ($millions) | 7.5263% | 1,196 |
| Cash dividends to net income (ytd only)* | 66.7859% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 954 |
| Loan loss allowance to noncurrent loans | 217.8633% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 2,137 |
| Noncurrent loans to loans | 0.7636% | 1,903 |
| Net loans and leases to total assets | 66.9443% | 2,390 |
| Net loans and leases to deposits | 76.3498% | 2,712 |
| Net loans and leases to core deposits | 77.5292% | 3,055 |
| Total domestic deposits to total assets | 87.6810% | 1,351 |
| Equity capital to assets | 8.9209% | 4,169 |
| Core capital (leverage) ratio | 8.3498% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $7,678,543,000 | 178 |
| Average earning assets | $6,918,283,750 | 177 |
| Average equity | $704,467,500 | 200 |
| Average total loans | $5,326,304,250 | 181 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 4,110 |
| Cost of funding earning assets | 0.2075% | 4,747 |
| Net interest margin | 3.4812% | 2,854 |
| Noninterest income to average assets | 0.7740% | 1,504 |
| Noninterest expense to average assets | 2.6412% | 2,547 |
| Loan and lease loss provision to assets | 0.5495% | 609 |
| Net operating income to assets | 0.5876% | 3,779 |
| Return on assets (ROA) | 0.7891% | 3,189 |
| Pretax return on assets | 0.9622% | 3,143 |
| Return on Equity (ROE) | 8.5175% | 2,550 |
| Retained earnings to average equity (ytd only) | 0.5078% | 4,210 |
| Net charge-offs to loans | 0.4639% | 341 |
| Credit loss provision to net charge-offs | 169.6310% | 2,039 |
| Earnings coverage of net charge-offs (x) | 3.9076% | 2,642 |
| Efficiency ratio | 67.6005% | 2,292 |
| Assets per employee ($millions) | 7.2972% | 1,282 |
| Cash dividends to net income (ytd only)* | 94.0386% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,300 |
| Loan loss allowance to noncurrent loans | 173.0709% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 2,053 |
| Noncurrent loans to loans | 0.8581% | 1,774 |
| Net loans and leases to total assets | 67.2553% | 2,463 |
| Net loans and leases to deposits | 76.2684% | 2,834 |
| Net loans and leases to core deposits | 78.2938% | 3,082 |
| Total domestic deposits to total assets | 88.1824% | 1,092 |
| Equity capital to assets | 8.8083% | 4,257 |
| Core capital (leverage) ratio | 8.3994% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $7,546,142,333 | 179 |
| Average earning assets | $6,791,484,000 | 178 |
| Average equity | $699,145,667 | 202 |
| Average total loans | $5,269,169,667 | 181 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 3,834 |
| Cost of funding earning assets | 0.2382% | 4,802 |
| Net interest margin | 3.7474% | 2,154 |
| Noninterest income to average assets | 0.7920% | 1,336 |
| Noninterest expense to average assets | 2.5703% | 3,077 |
| Loan and lease loss provision to assets | 0.5418% | 535 |
| Net operating income to assets | 0.8625% | 2,647 |
| Return on assets (ROA) | 0.8625% | 2,751 |
| Pretax return on assets | 1.0381% | 2,707 |
| Return on Equity (ROE) | 9.0643% | 2,086 |
| Retained earnings to average equity (ytd only) | -7.0387% | 4,649 |
| Net charge-offs to loans | 0.4346% | 337 |
| Credit loss provision to net charge-offs | 176.3941% | 1,484 |
| Earnings coverage of net charge-offs (x) | 5.1434% | 2,083 |
| Efficiency ratio | 61.9320% | 3,504 |
| Assets per employee ($millions) | 6.6538% | 1,260 |
| Cash dividends to net income (ytd only)* | 177.6537% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,398 |
| Loan loss allowance to noncurrent loans | 164.8291% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 2,096 |
| Noncurrent loans to loans | 0.8995% | 1,813 |
| Net loans and leases to total assets | 69.3498% | 2,348 |
| Net loans and leases to deposits | 79.6987% | 2,712 |
| Net loans and leases to core deposits | 83.6476% | 2,879 |
| Total domestic deposits to total assets | 87.0150% | 1,548 |
| Equity capital to assets | 9.3693% | 4,338 |
| Core capital (leverage) ratio | 8.7840% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9373% | 2,317 |
| Memoranda: | ||
| Average total assets | $7,309,381,000 | 178 |
| Average earning assets | $6,550,273,500 | 180 |
| Average equity | $695,521,500 | 204 |
| Average total loans | $5,166,274,500 | 183 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 3,847 |
| Cost of funding earning assets | 0.2881% | 4,757 |
| Net interest margin | 3.8960% | 2,188 |
| Noninterest income to average assets | 0.9978% | 975 |
| Noninterest expense to average assets | 2.6048% | 3,163 |
| Loan and lease loss provision to assets | 0.3296% | 481 |
| Net operating income to assets | 1.2416% | 1,899 |
| Return on assets (ROA) | 1.2488% | 1,963 |
| Pretax return on assets | 1.5725% | 1,578 |
| Return on Equity (ROE) | 13.4283% | 1,043 |
| Retained earnings to average equity (ytd only) | 4.9765% | 2,433 |
| Net charge-offs to loans | 0.4455% | 429 |
| Credit loss provision to net charge-offs | 105.5566% | 2,350 |
| Earnings coverage of net charge-offs (x) | 6.0628% | 3,010 |
| Efficiency ratio | 57.9135% | 3,979 |
| Assets per employee ($millions) | 6.4236% | 1,336 |
| Cash dividends to net income (ytd only)* | 62.9404% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,276 |
| Loan loss allowance to noncurrent loans | 179.4290% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,750 |
| Noncurrent loans to loans | 0.5793% | 2,449 |
| Net loans and leases to total assets | 70.2350% | 2,363 |
| Net loans and leases to deposits | 80.5217% | 2,720 |
| Net loans and leases to core deposits | 84.5096% | 2,907 |
| Total domestic deposits to total assets | 87.2249% | 1,502 |
| Equity capital to assets | 9.6647% | 4,210 |
| Core capital (leverage) ratio | 9.0639% | 4,472 |
| Tier 1 risk-based capital ratio | 13.1782% | 3,697 |
| Total risk-based capital ratio | 14.3100% | 3,640 |
| Memoranda: | ||
| Average total assets | $7,124,516,400 | 172 |
| Average earning assets | $6,400,086,400 | 175 |
| Average equity | $662,576,400 | 207 |
| Average total loans | $4,992,748,000 | 178 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,848 |
| Cost of funding earning assets | 0.2987% | 4,800 |
| Net interest margin | 3.9352% | 2,147 |
| Noninterest income to average assets | 0.8425% | 1,301 |
| Noninterest expense to average assets | 2.6144% | 3,125 |
| Loan and lease loss provision to assets | 0.3358% | 410 |
| Net operating income to assets | 1.1314% | 2,447 |
| Return on assets (ROA) | 1.1411% | 2,491 |
| Pretax return on assets | 1.4392% | 2,157 |
| Return on Equity (ROE) | 12.3939% | 1,480 |
| Retained earnings to average equity (ytd only) | 2.8041% | 3,970 |
| Net charge-offs to loans | 0.4559% | 372 |
| Credit loss provision to net charge-offs | 105.4330% | 2,159 |
| Earnings coverage of net charge-offs (x) | 5.5351% | 2,913 |
| Efficiency ratio | 59.7292% | 3,693 |
| Assets per employee ($millions) | 6.4108% | 1,322 |
| Cash dividends to net income (ytd only)* | 77.3752% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,347 |
| Loan loss allowance to noncurrent loans | 165.6051% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 2,725 |
| Noncurrent loans to loans | 0.6278% | 2,404 |
| Net loans and leases to total assets | 70.7531% | 2,368 |
| Net loans and leases to deposits | 80.9983% | 2,803 |
| Net loans and leases to core deposits | 85.0901% | 2,983 |
| Total domestic deposits to total assets | 87.3513% | 1,343 |
| Equity capital to assets | 9.4493% | 4,497 |
| Core capital (leverage) ratio | 8.7923% | 4,780 |
| Tier 1 risk-based capital ratio | 12.8323% | 3,936 |
| Total risk-based capital ratio | 13.9629% | 3,896 |
| Memoranda: | ||
| Average total assets | $7,097,391,250 | 174 |
| Average earning assets | $6,374,855,000 | 175 |
| Average equity | $653,457,750 | 211 |
| Average total loans | $4,957,569,500 | 180 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 3,803 |
| Cost of funding earning assets | 0.2976% | 4,834 |
| Net interest margin | 3.9498% | 2,093 |
| Noninterest income to average assets | 0.8322% | 1,243 |
| Noninterest expense to average assets | 2.6323% | 3,113 |
| Loan and lease loss provision to assets | 0.4110% | 293 |
| Net operating income to assets | 1.0686% | 2,656 |
| Return on assets (ROA) | 1.0686% | 2,714 |
| Pretax return on assets | 1.3396% | 2,414 |
| Return on Equity (ROE) | 11.7101% | 1,689 |
| Retained earnings to average equity (ytd only) | 1.5019% | 4,288 |
| Net charge-offs to loans | 0.3362% | 510 |
| Credit loss provision to net charge-offs | 176.4178% | 1,331 |
| Earnings coverage of net charge-offs (x) | 7.5148% | 2,484 |
| Efficiency ratio | 60.0585% | 3,722 |
| Assets per employee ($millions) | 6.3737% | 1,298 |
| Cash dividends to net income (ytd only)* | 87.1747% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,706 |
| Loan loss allowance to noncurrent loans | 148.4073% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 2,362 |
| Noncurrent loans to loans | 0.7846% | 2,025 |
| Net loans and leases to total assets | 69.2242% | 2,640 |
| Net loans and leases to deposits | 78.7597% | 3,086 |
| Net loans and leases to core deposits | 83.6811% | 3,136 |
| Total domestic deposits to total assets | 87.8929% | 1,148 |
| Equity capital to assets | 9.2270% | 4,629 |
| Core capital (leverage) ratio | 8.7037% | 4,838 |
| Tier 1 risk-based capital ratio | 12.7610% | 3,967 |
| Total risk-based capital ratio | 14.0111% | 3,876 |
| Memoranda: | ||
| Average total assets | $7,084,771,670 | 176 |
| Average earning assets | $6,368,747,330 | 175 |
| Average equity | $646,533,330 | 213 |
| Average total loans | $4,909,609,000 | 180 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 3,412 |
| Cost of funding earning assets | 0.3021% | 4,839 |
| Net interest margin | 4.0448% | 1,704 |
| Noninterest income to average assets | 0.8097% | 1,274 |
| Noninterest expense to average assets | 2.5684% | 3,300 |
| Loan and lease loss provision to assets | 0.3901% | 297 |
| Net operating income to assets | 1.1832% | 2,119 |
| Return on assets (ROA) | 1.1832% | 2,168 |
| Pretax return on assets | 1.4854% | 1,819 |
| Return on Equity (ROE) | 13.0389% | 1,205 |
| Retained earnings to average equity (ytd only) | 1.7764% | 4,120 |
| Net charge-offs to loans | 0.3865% | 402 |
| Credit loss provision to net charge-offs | 146.4194% | 1,265 |
| Earnings coverage of net charge-offs (x) | 7.0401% | 2,157 |
| Efficiency ratio | 57.7963% | 4,109 |
| Assets per employee ($millions) | 6.1951% | 1,406 |
| Cash dividends to net income (ytd only)* | 86.3765% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,039 |
| Loan loss allowance to noncurrent loans | 135.0436% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 2,361 |
| Noncurrent loans to loans | 0.8262% | 1,989 |
| Net loans and leases to total assets | 68.1361% | 2,743 |
| Net loans and leases to deposits | 76.9435% | 3,170 |
| Net loans and leases to core deposits | 80.7165% | 3,301 |
| Total domestic deposits to total assets | 88.5533% | 1,059 |
| Equity capital to assets | 9.1214% | 4,599 |
| Core capital (leverage) ratio | 8.6545% | 4,911 |
| Tier 1 risk-based capital ratio | 12.7556% | 4,010 |
| Total risk-based capital ratio | 13.9277% | 3,945 |
| Memoranda: | ||
| Average total assets | $7,045,130,500 | 178 |
| Average earning assets | $6,329,764,000 | 178 |
| Average equity | $639,288,000 | 216 |
| Average total loans | $4,855,571,000 | 182 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,586 |
| Cost of funding earning assets | 0.2484% | 4,816 |
| Net interest margin | 3.9008% | 2,323 |
| Noninterest income to average assets | 0.7881% | 1,485 |
| Noninterest expense to average assets | 2.5601% | 3,440 |
| Loan and lease loss provision to assets | 0.2129% | 864 |
| Net operating income to assets | 1.1913% | 2,220 |
| Return on assets (ROA) | 1.1913% | 2,214 |
| Pretax return on assets | 1.5389% | 1,656 |
| Return on Equity (ROE) | 13.4524% | 1,191 |
| Retained earnings to average equity (ytd only) | 5.3003% | 2,600 |
| Net charge-offs to loans | 0.3415% | 555 |
| Credit loss provision to net charge-offs | 90.6659% | 2,711 |
| Earnings coverage of net charge-offs (x) | 7.4601% | 2,991 |
| Efficiency ratio | 59.3732% | 3,959 |
| Assets per employee ($millions) | 6.1219% | 1,442 |
| Cash dividends to net income (ytd only)* | 60.5994% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,241 |
| Loan loss allowance to noncurrent loans | 190.9471% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,982 |
| Noncurrent loans to loans | 0.5634% | 2,583 |
| Net loans and leases to total assets | 68.1955% | 2,858 |
| Net loans and leases to deposits | 77.1770% | 3,260 |
| Net loans and leases to core deposits | 81.7136% | 3,285 |
| Total domestic deposits to total assets | 88.3624% | 1,129 |
| Equity capital to assets | 9.0267% | 4,554 |
| Core capital (leverage) ratio | 8.6982% | 4,883 |
| Tier 1 risk-based capital ratio | 12.7976% | 3,968 |
| Total risk-based capital ratio | 13.9344% | 3,911 |
| Memoranda: | ||
| Average total assets | $6,925,807,400 | 181 |
| Average earning assets | $6,256,435,800 | 177 |
| Average equity | $613,342,600 | 213 |
| Average total loans | $4,762,326,800 | 179 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 3,662 |
| Cost of funding earning assets | 0.2387% | 4,852 |
| Net interest margin | 3.8536% | 2,464 |
| Noninterest income to average assets | 0.8010% | 1,471 |
| Noninterest expense to average assets | 2.5425% | 3,468 |
| Loan and lease loss provision to assets | 0.2384% | 673 |
| Net operating income to assets | 1.1737% | 2,345 |
| Return on assets (ROA) | 1.1737% | 2,350 |
| Pretax return on assets | 1.5042% | 1,886 |
| Return on Equity (ROE) | 13.3185% | 1,323 |
| Retained earnings to average equity (ytd only) | 5.4250% | 2,996 |
| Net charge-offs to loans | 0.3331% | 499 |
| Credit loss provision to net charge-offs | 104.1361% | 2,197 |
| Earnings coverage of net charge-offs (x) | 7.6122% | 2,791 |
| Efficiency ratio | 59.3348% | 3,916 |
| Assets per employee ($millions) | 6.1431% | 1,393 |
| Cash dividends to net income (ytd only)* | 59.2671% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 2,978 |
| Loan loss allowance to noncurrent loans | 193.8854% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 3,053 |
| Noncurrent loans to loans | 0.5871% | 2,620 |
| Net loans and leases to total assets | 67.8447% | 2,968 |
| Net loans and leases to deposits | 76.1448% | 3,407 |
| Net loans and leases to core deposits | 80.3135% | 3,471 |
| Total domestic deposits to total assets | 89.0996% | 815 |
| Equity capital to assets | 8.8395% | 4,685 |
| Core capital (leverage) ratio | 8.6169% | 5,017 |
| Tier 1 risk-based capital ratio | 12.6487% | 4,122 |
| Total risk-based capital ratio | 13.8301% | 4,050 |
| Memoranda: | ||
| Average total assets | $6,900,285,750 | 181 |
| Average earning assets | $6,238,709,750 | 175 |
| Average equity | $608,081,000 | 212 |
| Average total loans | $4,741,702,000 | 178 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 3,667 |
| Cost of funding earning assets | 0.2285% | 4,867 |
| Net interest margin | 3.8066% | 2,544 |
| Noninterest income to average assets | 0.7697% | 1,574 |
| Noninterest expense to average assets | 2.5540% | 3,461 |
| Loan and lease loss provision to assets | 0.1830% | 978 |
| Net operating income to assets | 1.1471% | 2,404 |
| Return on assets (ROA) | 1.1471% | 2,407 |
| Pretax return on assets | 1.4807% | 1,884 |
| Return on Equity (ROE) | 13.0304% | 1,361 |
| Retained earnings to average equity (ytd only) | 5.7768% | 2,685 |
| Net charge-offs to loans | 0.3014% | 531 |
| Credit loss provision to net charge-offs | 88.3161% | 2,178 |
| Earnings coverage of net charge-offs (x) | 8.0300% | 2,506 |
| Efficiency ratio | 60.5547% | 3,846 |
| Assets per employee ($millions) | 6.1367% | 1,376 |
| Cash dividends to net income (ytd only)* | 55.6666% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,231 |
| Loan loss allowance to noncurrent loans | 193.9860% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,184 |
| Noncurrent loans to loans | 0.5695% | 2,710 |
| Net loans and leases to total assets | 67.6900% | 2,916 |
| Net loans and leases to deposits | 76.6331% | 3,277 |
| Net loans and leases to core deposits | 80.1065% | 3,410 |
| Total domestic deposits to total assets | 88.3300% | 1,207 |
| Equity capital to assets | 8.7273% | 4,775 |
| Core capital (leverage) ratio | 8.5934% | 5,048 |
| Tier 1 risk-based capital ratio | 12.6884% | 4,067 |
| Total risk-based capital ratio | 13.8608% | 4,021 |
| Memoranda: | ||
| Average total assets | $6,890,562,330 | 180 |
| Average earning assets | $6,241,309,000 | 175 |
| Average equity | $606,598,000 | 207 |
| Average total loans | $4,737,137,670 | 178 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 3,548 |
| Cost of funding earning assets | 0.2225% | 4,880 |
| Net interest margin | 3.7934% | 2,455 |
| Noninterest income to average assets | 0.7605% | 1,590 |
| Noninterest expense to average assets | 2.5623% | 3,451 |
| Loan and lease loss provision to assets | 0.2070% | 789 |
| Net operating income to assets | 1.1081% | 2,390 |
| Return on assets (ROA) | 1.1081% | 2,404 |
| Pretax return on assets | 1.4319% | 1,896 |
| Return on Equity (ROE) | 12.5323% | 1,403 |
| Retained earnings to average equity (ytd only) | 5.3275% | 3,026 |
| Net charge-offs to loans | 0.2785% | 556 |
| Credit loss provision to net charge-offs | 107.8587% | 1,468 |
| Earnings coverage of net charge-offs (x) | 8.5413% | 2,024 |
| Efficiency ratio | 60.9908% | 3,944 |
| Assets per employee ($millions) | 5.9137% | 1,586 |
| Cash dividends to net income (ytd only)* | 57.4895% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,177 |
| Loan loss allowance to noncurrent loans | 211.5936% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,351 |
| Noncurrent loans to loans | 0.5363% | 2,915 |
| Net loans and leases to total assets | 68.1551% | 2,749 |
| Net loans and leases to deposits | 76.6982% | 3,144 |
| Net loans and leases to core deposits | 80.5547% | 3,282 |
| Total domestic deposits to total assets | 88.8614% | 1,170 |
| Equity capital to assets | 8.7593% | 4,778 |
| Core capital (leverage) ratio | 8.5736% | 5,087 |
| Tier 1 risk-based capital ratio | 12.7486% | 4,093 |
| Total risk-based capital ratio | 13.9708% | 4,002 |
| Memoranda: | ||
| Average total assets | $6,844,052,000 | 180 |
| Average earning assets | $6,207,675,000 | 174 |
| Average equity | $605,156,500 | 208 |
| Average total loans | $4,715,710,500 | 178 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,592 |
| Cost of funding earning assets | 0.2020% | 4,939 |
| Net interest margin | 3.7428% | 2,630 |
| Noninterest income to average assets | 0.9137% | 1,230 |
| Noninterest expense to average assets | 2.6652% | 3,244 |
| Loan and lease loss provision to assets | 0.1651% | 1,336 |
| Net operating income to assets | 1.0148% | 2,176 |
| Return on assets (ROA) | 1.0148% | 2,212 |
| Pretax return on assets | 1.4953% | 1,661 |
| Return on Equity (ROE) | 11.2674% | 1,397 |
| Retained earnings to average equity (ytd only) | 4.9607% | 2,155 |
| Net charge-offs to loans | 0.2709% | 961 |
| Credit loss provision to net charge-offs | 85.1840% | 2,863 |
| Earnings coverage of net charge-offs (x) | 8.5658% | 2,894 |
| Efficiency ratio | 61.6147% | 3,999 |
| Assets per employee ($millions) | 6.0975% | 1,453 |
| Cash dividends to net income (ytd only)* | 55.9727% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,084 |
| Loan loss allowance to noncurrent loans | 226.1542% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 3,464 |
| Noncurrent loans to loans | 0.5066% | 3,003 |
| Net loans and leases to total assets | 68.0779% | 2,806 |
| Net loans and leases to deposits | 77.8992% | 3,122 |
| Net loans and leases to core deposits | 81.8679% | 3,256 |
| Total domestic deposits to total assets | 87.3923% | 1,820 |
| Equity capital to assets | 8.9260% | 4,791 |
| Core capital (leverage) ratio | 8.5848% | 5,060 |
| Tier 1 risk-based capital ratio | 12.9546% | 3,933 |
| Total risk-based capital ratio | 14.2046% | 3,833 |
| Memoranda: | ||
| Average total assets | $6,601,889,200 | 177 |
| Average earning assets | $6,018,307,600 | 174 |
| Average equity | $594,611,800 | 203 |
| Average total loans | $4,723,431,400 | 171 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,543 |
| Cost of funding earning assets | 0.1999% | 4,976 |
| Net interest margin | 3.7423% | 2,606 |
| Noninterest income to average assets | 0.9283% | 1,195 |
| Noninterest expense to average assets | 2.6562% | 3,226 |
| Loan and lease loss provision to assets | 0.1471% | 1,423 |
| Net operating income to assets | 1.0202% | 2,473 |
| Return on assets (ROA) | 1.0202% | 2,512 |
| Pretax return on assets | 1.5407% | 1,615 |
| Return on Equity (ROE) | 11.3006% | 1,571 |
| Retained earnings to average equity (ytd only) | 4.9615% | 2,915 |
| Net charge-offs to loans | 0.2737% | 786 |
| Credit loss provision to net charge-offs | 74.4160% | 2,654 |
| Earnings coverage of net charge-offs (x) | 8.5367% | 2,771 |
| Efficiency ratio | 61.1463% | 4,022 |
| Assets per employee ($millions) | 5.9469% | 1,536 |
| Cash dividends to net income (ytd only)* | 56.0952% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,307 |
| Loan loss allowance to noncurrent loans | 226.9390% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 3,545 |
| Noncurrent loans to loans | 0.4982% | 3,205 |
| Net loans and leases to total assets | 70.0865% | 2,544 |
| Net loans and leases to deposits | 80.0223% | 2,972 |
| Net loans and leases to core deposits | 83.2864% | 3,192 |
| Total domestic deposits to total assets | 87.5838% | 1,592 |
| Equity capital to assets | 9.1476% | 4,776 |
| Core capital (leverage) ratio | 8.6617% | 5,099 |
| Tier 1 risk-based capital ratio | 12.7162% | 4,196 |
| Total risk-based capital ratio | 13.9470% | 4,100 |
| Memoranda: | ||
| Average total assets | $6,552,696,750 | 177 |
| Average earning assets | $5,981,069,750 | 173 |
| Average equity | $591,553,000 | 205 |
| Average total loans | $4,733,784,750 | 172 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,411 |
| Cost of funding earning assets | 0.2030% | 4,947 |
| Net interest margin | 3.7361% | 2,528 |
| Noninterest income to average assets | 0.9400% | 1,152 |
| Noninterest expense to average assets | 2.6470% | 3,276 |
| Loan and lease loss provision to assets | 0.2064% | 874 |
| Net operating income to assets | 0.9967% | 2,442 |
| Return on assets (ROA) | 0.9967% | 2,492 |
| Pretax return on assets | 1.4993% | 1,637 |
| Return on Equity (ROE) | 11.0906% | 1,608 |
| Retained earnings to average equity (ytd only) | 4.7012% | 2,912 |
| Net charge-offs to loans | 0.2493% | 817 |
| Credit loss provision to net charge-offs | 113.9067% | 1,843 |
| Earnings coverage of net charge-offs (x) | 9.4115% | 2,437 |
| Efficiency ratio | 60.8126% | 4,194 |
| Assets per employee ($millions) | 5.8868% | 1,547 |
| Cash dividends to net income (ytd only)* | 57.6108% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,105 |
| Loan loss allowance to noncurrent loans | 268.8227% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,753 |
| Noncurrent loans to loans | 0.4414% | 3,428 |
| Net loans and leases to total assets | 70.9972% | 2,376 |
| Net loans and leases to deposits | 81.3219% | 2,763 |
| Net loans and leases to core deposits | 84.4863% | 3,016 |
| Total domestic deposits to total assets | 87.3039% | 1,804 |
| Equity capital to assets | 9.0213% | 4,876 |
| Core capital (leverage) ratio | 8.5247% | 5,197 |
| Tier 1 risk-based capital ratio | 12.4258% | 4,341 |
| Total risk-based capital ratio | 13.6764% | 4,233 |
| Memoranda: | ||
| Average total assets | $6,530,626,670 | 178 |
| Average earning assets | $5,965,328,000 | 174 |
| Average equity | $586,913,670 | 209 |
| Average total loans | $4,747,710,000 | 174 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,351 |
| Cost of funding earning assets | 0.1969% | 5,005 |
| Net interest margin | 3.7180% | 2,428 |
| Noninterest income to average assets | 0.9124% | 1,204 |
| Noninterest expense to average assets | 2.5803% | 3,558 |
| Loan and lease loss provision to assets | 0.2408% | 643 |
| Net operating income to assets | 0.9745% | 2,418 |
| Return on assets (ROA) | 0.9745% | 2,470 |
| Pretax return on assets | 1.4889% | 1,575 |
| Return on Equity (ROE) | 10.8647% | 1,616 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,216 |
| Net charge-offs to loans | 0.2901% | 629 |
| Credit loss provision to net charge-offs | 113.4766% | 1,455 |
| Earnings coverage of net charge-offs (x) | 8.1519% | 2,080 |
| Efficiency ratio | 59.8676% | 4,468 |
| Assets per employee ($millions) | 5.9417% | 1,550 |
| Cash dividends to net income (ytd only)* | 59.2867% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,244 |
| Loan loss allowance to noncurrent loans | 217.9041% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,544 |
| Noncurrent loans to loans | 0.5426% | 3,192 |
| Net loans and leases to total assets | 71.3412% | 2,161 |
| Net loans and leases to deposits | 81.8493% | 2,531 |
| Net loans and leases to core deposits | 84.4604% | 2,858 |
| Total domestic deposits to total assets | 87.1616% | 2,130 |
| Equity capital to assets | 8.9361% | 4,872 |
| Core capital (leverage) ratio | 8.5431% | 5,195 |
| Tier 1 risk-based capital ratio | 12.3610% | 4,475 |
| Total risk-based capital ratio | 13.6116% | 4,378 |
| Memoranda: | ||
| Average total assets | $6,490,501,500 | 179 |
| Average earning assets | $5,931,255,000 | 175 |
| Average equity | $582,177,000 | 207 |
| Average total loans | $4,746,617,500 | 174 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 3,661 |
| Cost of funding earning assets | 0.2243% | 4,790 |
| Net interest margin | 3.6518% | 2,880 |
| Noninterest income to average assets | 1.0428% | 1,040 |
| Noninterest expense to average assets | 2.7173% | 3,290 |
| Loan and lease loss provision to assets | 0.2695% | 749 |
| Net operating income to assets | 0.9145% | 2,752 |
| Return on assets (ROA) | 0.9208% | 2,836 |
| Pretax return on assets | 1.4043% | 1,927 |
| Return on Equity (ROE) | 9.9660% | 1,970 |
| Retained earnings to average equity (ytd only) | 3.7023% | 3,280 |
| Net charge-offs to loans | 0.2392% | 1,166 |
| Credit loss provision to net charge-offs | 148.7664% | 1,842 |
| Earnings coverage of net charge-offs (x) | 9.1868% | 2,774 |
| Efficiency ratio | 62.0177% | 4,244 |
| Assets per employee ($millions) | 5.8750% | 1,560 |
| Cash dividends to net income (ytd only)* | 62.8503% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 3,320 |
| Loan loss allowance to noncurrent loans | 188.2858% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 3,349 |
| Noncurrent loans to loans | 0.6199% | 2,988 |
| Net loans and leases to total assets | 73.2240% | 1,970 |
| Net loans and leases to deposits | 84.0408% | 2,411 |
| Net loans and leases to core deposits | 87.1350% | 2,760 |
| Total domestic deposits to total assets | 87.1292% | 2,074 |
| Equity capital to assets | 9.0039% | 4,821 |
| Core capital (leverage) ratio | 8.5894% | 5,179 |
| Tier 1 risk-based capital ratio | 12.1727% | 4,601 |
| Total risk-based capital ratio | 13.4231% | 4,475 |
| Memoranda: | ||
| Average total assets | $6,220,277,200 | 180 |
| Average earning assets | $5,687,007,200 | 174 |
| Average equity | $574,746,000 | 196 |
| Average total loans | $4,710,159,200 | 170 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 3,689 |
| Cost of funding earning assets | 0.2261% | 4,827 |
| Net interest margin | 3.6460% | 2,905 |
| Noninterest income to average assets | 1.0541% | 1,021 |
| Noninterest expense to average assets | 2.7207% | 3,290 |
| Loan and lease loss provision to assets | 0.3299% | 498 |
| Net operating income to assets | 0.8788% | 3,015 |
| Return on assets (ROA) | 0.8873% | 3,103 |
| Pretax return on assets | 1.3516% | 2,230 |
| Return on Equity (ROE) | 9.5398% | 2,255 |
| Retained earnings to average equity (ytd only) | 3.2670% | 3,947 |
| Net charge-offs to loans | 0.1864% | 1,252 |
| Credit loss provision to net charge-offs | 232.4654% | 1,266 |
| Earnings coverage of net charge-offs (x) | 11.7577% | 2,452 |
| Efficiency ratio | 61.9856% | 4,236 |
| Assets per employee ($millions) | 5.6831% | 1,682 |
| Cash dividends to net income (ytd only)* | 65.7542% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 3,039 |
| Loan loss allowance to noncurrent loans | 110.8057% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 2,447 |
| Noncurrent loans to loans | 1.1133% | 2,025 |
| Net loans and leases to total assets | 74.2132% | 1,836 |
| Net loans and leases to deposits | 86.7301% | 2,180 |
| Net loans and leases to core deposits | 89.7703% | 2,597 |
| Total domestic deposits to total assets | 85.5680% | 2,572 |
| Equity capital to assets | 9.2188% | 4,958 |
| Core capital (leverage) ratio | 8.6088% | 5,251 |
| Tier 1 risk-based capital ratio | 12.0048% | 4,786 |
| Total risk-based capital ratio | 13.2561% | 4,689 |
| Memoranda: | ||
| Average total assets | $6,170,007,250 | 180 |
| Average earning assets | $5,643,937,250 | 175 |
| Average equity | $573,888,750 | 197 |
| Average total loans | $4,698,321,500 | 168 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 3,678 |
| Cost of funding earning assets | 0.2230% | 4,911 |
| Net interest margin | 3.6515% | 2,891 |
| Noninterest income to average assets | 1.0027% | 1,109 |
| Noninterest expense to average assets | 2.7473% | 3,211 |
| Loan and lease loss provision to assets | 0.3114% | 560 |
| Net operating income to assets | 0.8364% | 3,147 |
| Return on assets (ROA) | 0.8491% | 3,223 |
| Pretax return on assets | 1.3024% | 2,401 |
| Return on Equity (ROE) | 9.1007% | 2,454 |
| Retained earnings to average equity (ytd only) | 2.7900% | 4,122 |
| Net charge-offs to loans | 0.1807% | 1,260 |
| Credit loss provision to net charge-offs | 225.2485% | 1,195 |
| Earnings coverage of net charge-offs (x) | 11.5331% | 2,252 |
| Efficiency ratio | 63.2793% | 4,142 |
| Assets per employee ($millions) | 5.4859% | 1,808 |
| Cash dividends to net income (ytd only)* | 69.3428% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,566 |
| Loan loss allowance to noncurrent loans | 114.4527% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 2,626 |
| Noncurrent loans to loans | 1.0154% | 2,258 |
| Net loans and leases to total assets | 76.0467% | 1,487 |
| Net loans and leases to deposits | 89.1986% | 1,840 |
| Net loans and leases to core deposits | 91.0912% | 2,429 |
| Total domestic deposits to total assets | 85.2555% | 2,754 |
| Equity capital to assets | 9.3664% | 4,897 |
| Core capital (leverage) ratio | 8.6531% | 5,210 |
| Tier 1 risk-based capital ratio | 11.9260% | 4,874 |
| Total risk-based capital ratio | 13.1765% | 4,786 |
| Memoranda: | ||
| Average total assets | $6,114,453,000 | 181 |
| Average earning assets | $5,590,710,670 | 176 |
| Average equity | $570,463,330 | 196 |
| Average total loans | $4,677,301,670 | 167 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 3,676 |
| Cost of funding earning assets | 0.2216% | 4,981 |
| Net interest margin | 3.6546% | 2,873 |
| Noninterest income to average assets | 0.9881% | 1,103 |
| Noninterest expense to average assets | 2.7249% | 3,329 |
| Loan and lease loss provision to assets | 0.3137% | 491 |
| Net operating income to assets | 0.8341% | 3,066 |
| Return on assets (ROA) | 0.8341% | 3,200 |
| Pretax return on assets | 1.2896% | 2,351 |
| Return on Equity (ROE) | 8.9579% | 2,446 |
| Retained earnings to average equity (ytd only) | 2.5963% | 4,205 |
| Net charge-offs to loans | 0.2138% | 943 |
| Credit loss provision to net charge-offs | 192.3325% | 1,109 |
| Earnings coverage of net charge-offs (x) | 9.8305% | 1,958 |
| Efficiency ratio | 62.9579% | 4,305 |
| Assets per employee ($millions) | 5.4149% | 1,907 |
| Cash dividends to net income (ytd only)* | 71.0171% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,914 |
| Loan loss allowance to noncurrent loans | 111.5384% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 2,753 |
| Noncurrent loans to loans | 1.0088% | 2,362 |
| Net loans and leases to total assets | 74.8773% | 1,577 |
| Net loans and leases to deposits | 88.7864% | 1,725 |
| Net loans and leases to core deposits | 90.1758% | 2,357 |
| Total domestic deposits to total assets | 84.3342% | 3,382 |
| Equity capital to assets | 9.3135% | 4,873 |
| Core capital (leverage) ratio | 8.7424% | 5,136 |
| Tier 1 risk-based capital ratio | 11.9917% | 4,922 |
| Total risk-based capital ratio | 13.2313% | 4,843 |
| Memoranda: | ||
| Average total assets | $6,077,634,500 | 182 |
| Average earning assets | $5,554,710,500 | 177 |
| Average equity | $565,893,000 | 197 |
| Average total loans | $4,635,367,000 | 170 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,832 |
| Cost of funding earning assets | 0.2154% | 5,135 |
| Net interest margin | 3.6487% | 2,944 |
| Noninterest income to average assets | 1.1163% | 943 |
| Noninterest expense to average assets | 2.8740% | 2,955 |
| Loan and lease loss provision to assets | 0.1084% | 2,183 |
| Net operating income to assets | 0.9457% | 2,636 |
| Return on assets (ROA) | 0.9457% | 2,709 |
| Pretax return on assets | 1.4482% | 1,728 |
| Return on Equity (ROE) | 9.9792% | 2,018 |
| Retained earnings to average equity (ytd only) | 4.5092% | 2,775 |
| Net charge-offs to loans | 0.0412% | 3,393 |
| Credit loss provision to net charge-offs | 338.2749% | 887 |
| Earnings coverage of net charge-offs (x) | 48.5644% | 1,025 |
| Efficiency ratio | 64.8673% | 4,101 |
| Assets per employee ($millions) | 5.2211% | 2,097 |
| Cash dividends to net income (ytd only)* | 54.8145% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 4,131 |
| Loan loss allowance to noncurrent loans | 108.6956% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 2,723 |
| Noncurrent loans to loans | 0.9963% | 2,346 |
| Net loans and leases to total assets | 75.9885% | 1,421 |
| Net loans and leases to deposits | 90.1815% | 1,589 |
| Net loans and leases to core deposits | 91.2018% | 2,298 |
| Total domestic deposits to total assets | 84.2617% | 3,381 |
| Equity capital to assets | 9.3086% | 4,781 |
| Core capital (leverage) ratio | 8.8191% | 5,092 |
| Tier 1 risk-based capital ratio | 12.0667% | 4,906 |
| Total risk-based capital ratio | 13.2711% | 4,836 |
| Memoranda: | ||
| Average total assets | $5,787,493,600 | 178 |
| Average earning assets | $5,257,157,600 | 177 |
| Average equity | $548,438,200 | 195 |
| Average total loans | $4,505,055,000 | 166 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,865 |
| Cost of funding earning assets | 0.2141% | 5,244 |
| Net interest margin | 3.6529% | 2,948 |
| Noninterest income to average assets | 1.1263% | 950 |
| Noninterest expense to average assets | 2.8917% | 2,876 |
| Loan and lease loss provision to assets | 0.1265% | 1,787 |
| Net operating income to assets | 0.9255% | 2,827 |
| Return on assets (ROA) | 0.9255% | 2,916 |
| Pretax return on assets | 1.4229% | 1,923 |
| Return on Equity (ROE) | 9.7209% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.2222% | 3,461 |
| Net charge-offs to loans | 0.0828% | 2,365 |
| Credit loss provision to net charge-offs | 195.5396% | 1,362 |
| Earnings coverage of net charge-offs (x) | 23.9551% | 1,712 |
| Efficiency ratio | 65.1120% | 4,045 |
| Assets per employee ($millions) | 5.0047% | 2,291 |
| Cash dividends to net income (ytd only)* | 56.5654% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 4,410 |
| Loan loss allowance to noncurrent loans | 106.4335% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 2,945 |
| Noncurrent loans to loans | 0.9987% | 2,489 |
| Net loans and leases to total assets | 76.7316% | 1,286 |
| Net loans and leases to deposits | 92.3386% | 1,370 |
| Net loans and leases to core deposits | 93.1342% | 2,163 |
| Total domestic deposits to total assets | 83.0981% | 3,779 |
| Equity capital to assets | 9.5192% | 4,729 |
| Core capital (leverage) ratio | 8.8117% | 5,225 |
| Tier 1 risk-based capital ratio | 12.2062% | 4,956 |
| Total risk-based capital ratio | 13.4098% | 4,892 |
| Memoranda: | ||
| Average total assets | $5,730,678,250 | 177 |
| Average earning assets | $5,200,235,000 | 175 |
| Average equity | $545,575,250 | 200 |
| Average total loans | $4,476,179,250 | 165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 3,845 |
| Cost of funding earning assets | 0.2128% | 5,322 |
| Net interest margin | 3.6419% | 2,936 |
| Noninterest income to average assets | 1.0858% | 1,016 |
| Noninterest expense to average assets | 2.8779% | 2,965 |
| Loan and lease loss provision to assets | 0.0857% | 2,400 |
| Net operating income to assets | 0.9255% | 2,758 |
| Return on assets (ROA) | 0.9255% | 2,882 |
| Pretax return on assets | 1.4188% | 1,899 |
| Return on Equity (ROE) | 9.7209% | 2,198 |
| Retained earnings to average equity (ytd only) | 4.1822% | 3,368 |
| Net charge-offs to loans | 0.0760% | 2,304 |
| Credit loss provision to net charge-offs | 144.1489% | 1,572 |
| Earnings coverage of net charge-offs (x) | 25.2931% | 1,529 |
| Efficiency ratio | 65.6698% | 4,075 |
| Assets per employee ($millions) | 4.9335% | 2,359 |
| Cash dividends to net income (ytd only)* | 56.9779% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 4,666 |
| Loan loss allowance to noncurrent loans | 148.9112% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 3,797 |
| Noncurrent loans to loans | 0.6977% | 3,401 |
| Net loans and leases to total assets | 76.4482% | 1,305 |
| Net loans and leases to deposits | 91.0539% | 1,476 |
| Net loans and leases to core deposits | 91.7822% | 2,175 |
| Total domestic deposits to total assets | 83.9592% | 3,584 |
| Equity capital to assets | 9.4624% | 4,693 |
| Core capital (leverage) ratio | 8.8317% | 5,184 |
| Tier 1 risk-based capital ratio | 12.2871% | 4,944 |
| Total risk-based capital ratio | 13.4580% | 4,892 |
| Memoranda: | ||
| Average total assets | $5,689,072,000 | 178 |
| Average earning assets | $5,149,682,670 | 175 |
| Average equity | $541,634,670 | 204 |
| Average total loans | $4,454,476,330 | 165 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,797 |
| Cost of funding earning assets | 0.2143% | 5,371 |
| Net interest margin | 3.6427% | 2,844 |
| Noninterest income to average assets | 1.0841% | 962 |
| Noninterest expense to average assets | 2.8623% | 3,027 |
| Loan and lease loss provision to assets | 0.0435% | 3,046 |
| Net operating income to assets | 0.9548% | 2,479 |
| Return on assets (ROA) | 0.9548% | 2,616 |
| Pretax return on assets | 1.4619% | 1,691 |
| Return on Equity (ROE) | 9.9977% | 2,008 |
| Retained earnings to average equity (ytd only) | 4.4331% | 3,369 |
| Net charge-offs to loans | 0.0393% | 2,436 |
| Credit loss provision to net charge-offs | 140.5034% | 1,305 |
| Earnings coverage of net charge-offs (x) | 48.6156% | 854 |
| Efficiency ratio | 65.5337% | 4,230 |
| Assets per employee ($millions) | 4.9014% | 2,488 |
| Cash dividends to net income (ytd only)* | 55.6586% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 4,884 |
| Loan loss allowance to noncurrent loans | 130.1697% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 3,612 |
| Noncurrent loans to loans | 0.7893% | 3,275 |
| Net loans and leases to total assets | 77.0603% | 1,050 |
| Net loans and leases to deposits | 92.0914% | 1,173 |
| Net loans and leases to core deposits | 92.8059% | 1,875 |
| Total domestic deposits to total assets | 83.6781% | 3,940 |
| Equity capital to assets | 9.4955% | 4,760 |
| Core capital (leverage) ratio | 8.8951% | 5,078 |
| Tier 1 risk-based capital ratio | 12.0751% | 5,191 |
| Total risk-based capital ratio | 13.2150% | 5,156 |
| Memoranda: | ||
| Average total assets | $5,645,059,000 | 175 |
| Average earning assets | $5,088,477,500 | 174 |
| Average equity | $539,124,500 | 202 |
| Average total loans | $4,450,289,500 | 162 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 3,691 |
| Cost of funding earning assets | 0.2225% | 5,575 |
| Net interest margin | 3.7874% | 2,671 |
| Noninterest income to average assets | 1.0209% | 1,172 |
| Noninterest expense to average assets | 2.9633% | 2,956 |
| Loan and lease loss provision to assets | 0.1133% | 2,280 |
| Net operating income to assets | 0.9163% | 2,799 |
| Return on assets (ROA) | 0.9521% | 2,700 |
| Pretax return on assets | 1.3982% | 1,894 |
| Return on Equity (ROE) | 9.6946% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.9167% | 4,164 |
| Net charge-offs to loans | 0.0146% | 4,590 |
| Credit loss provision to net charge-offs | 981.7308% | 282 |
| Earnings coverage of net charge-offs (x) | 126.4391% | 421 |
| Efficiency ratio | 67.0104% | 4,057 |
| Assets per employee ($millions) | 4.7894% | 2,610 |
| Cash dividends to net income (ytd only)* | 69.9138% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 4,917 |
| Loan loss allowance to noncurrent loans | 123.6729% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 3,540 |
| Noncurrent loans to loans | 0.8302% | 3,237 |
| Net loans and leases to total assets | 79.0182% | 885 |
| Net loans and leases to deposits | 94.3322% | 1,045 |
| Net loans and leases to core deposits | 95.0363% | 1,810 |
| Total domestic deposits to total assets | 83.7659% | 3,815 |
| Equity capital to assets | 9.6068% | 4,582 |
| Core capital (leverage) ratio | 8.9060% | 5,112 |
| Tier 1 risk-based capital ratio | 11.2764% | 5,779 |
| Total risk-based capital ratio | 12.3479% | 5,813 |
| Memoranda: | ||
| Average total assets | $5,408,202,200 | 177 |
| Average earning assets | $4,856,846,200 | 174 |
| Average equity | $531,141,400 | 194 |
| Average total loans | $4,283,711,600 | 163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,786 |
| Cost of funding earning assets | 0.2223% | 5,642 |
| Net interest margin | 3.7712% | 2,730 |
| Noninterest income to average assets | 1.0145% | 1,189 |
| Noninterest expense to average assets | 2.9362% | 3,004 |
| Loan and lease loss provision to assets | 0.0886% | 2,584 |
| Net operating income to assets | 0.9322% | 2,770 |
| Return on assets (ROA) | 0.9803% | 2,613 |
| Pretax return on assets | 1.4464% | 1,818 |
| Return on Equity (ROE) | 9.9256% | 2,254 |
| Retained earnings to average equity (ytd only) | 3.0739% | 4,429 |
| Net charge-offs to loans | 0.0069% | 4,464 |
| Credit loss provision to net charge-offs | 1,613.5747% | 222 |
| Earnings coverage of net charge-offs (x) | 266.8003% | 254 |
| Efficiency ratio | 66.7248% | 4,092 |
| Assets per employee ($millions) | 4.7079% | 2,661 |
| Cash dividends to net income (ytd only)* | 69.0310% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 5,209 |
| Loan loss allowance to noncurrent loans | 116.0848% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 3,718 |
| Noncurrent loans to loans | 0.8630% | 3,411 |
| Net loans and leases to total assets | 78.9123% | 844 |
| Net loans and leases to deposits | 93.9736% | 1,047 |
| Net loans and leases to core deposits | 94.6767% | 1,786 |
| Total domestic deposits to total assets | 83.9728% | 3,780 |
| Equity capital to assets | 9.8767% | 4,324 |
| Core capital (leverage) ratio | 9.0553% | 4,992 |
| Tier 1 risk-based capital ratio | 11.5174% | 5,783 |
| Total risk-based capital ratio | 12.5629% | 5,810 |
| Memoranda: | ||
| Average total assets | $5,368,942,500 | 175 |
| Average earning assets | $4,820,512,750 | 173 |
| Average equity | $530,266,000 | 194 |
| Average total loans | $4,243,846,000 | 161 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,872 |
| Cost of funding earning assets | 0.2206% | 5,744 |
| Net interest margin | 3.7449% | 2,779 |
| Noninterest income to average assets | 0.9938% | 1,220 |
| Noninterest expense to average assets | 2.9366% | 3,043 |
| Loan and lease loss provision to assets | 0.0754% | 2,766 |
| Net operating income to assets | 0.9086% | 2,763 |
| Return on assets (ROA) | 0.9810% | 2,479 |
| Pretax return on assets | 1.4472% | 1,723 |
| Return on Equity (ROE) | 9.9328% | 2,178 |
| Retained earnings to average equity (ytd only) | 2.9232% | 4,346 |
| Net charge-offs to loans | -0.0114% | 5,357 |
| Credit loss provision to net charge-offs | -840.0000% | 5,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4668% | 4,120 |
| Assets per employee ($millions) | 4.6910% | 2,627 |
| Cash dividends to net income (ytd only)* | 70.5703% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 5,401 |
| Loan loss allowance to noncurrent loans | 96.4205% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 3,482 |
| Noncurrent loans to loans | 1.0247% | 3,187 |
| Net loans and leases to total assets | 78.3715% | 863 |
| Net loans and leases to deposits | 93.0160% | 1,050 |
| Net loans and leases to core deposits | 93.6686% | 1,803 |
| Total domestic deposits to total assets | 84.2559% | 3,833 |
| Equity capital to assets | 9.8532% | 4,290 |
| Core capital (leverage) ratio | 9.0050% | 5,007 |
| Tier 1 risk-based capital ratio | 11.5283% | 5,778 |
| Total risk-based capital ratio | 12.5541% | 5,846 |
| Memoranda: | ||
| Average total assets | $5,344,478,000 | 175 |
| Average earning assets | $4,793,707,000 | 174 |
| Average equity | $527,847,670 | 193 |
| Average total loans | $4,212,416,670 | 160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,733 |
| Cost of funding earning assets | 0.2212% | 5,840 |
| Net interest margin | 3.7686% | 2,601 |
| Noninterest income to average assets | 1.0212% | 1,084 |
| Noninterest expense to average assets | 2.9078% | 3,175 |
| Loan and lease loss provision to assets | 0.0750% | 2,641 |
| Net operating income to assets | 0.9519% | 2,398 |
| Return on assets (ROA) | 1.0957% | 1,898 |
| Pretax return on assets | 1.6296% | 1,110 |
| Return on Equity (ROE) | 11.0807% | 1,658 |
| Retained earnings to average equity (ytd only) | 4.4120% | 3,478 |
| Net charge-offs to loans | 0.0180% | 3,223 |
| Credit loss provision to net charge-offs | 529.2553% | 519 |
| Earnings coverage of net charge-offs (x) | 105.1702% | 437 |
| Efficiency ratio | 66.1183% | 4,509 |
| Assets per employee ($millions) | 4.6426% | 2,736 |
| Cash dividends to net income (ytd only)* | 60.1830% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 5,614 |
| Loan loss allowance to noncurrent loans | 88.2170% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 3,544 |
| Noncurrent loans to loans | 1.1063% | 3,212 |
| Net loans and leases to total assets | 77.2982% | 846 |
| Net loans and leases to deposits | 91.9195% | 962 |
| Net loans and leases to core deposits | 92.5391% | 1,680 |
| Total domestic deposits to total assets | 84.0934% | 4,239 |
| Equity capital to assets | 9.8396% | 4,047 |
| Core capital (leverage) ratio | 9.0279% | 4,967 |
| Tier 1 risk-based capital ratio | 11.6866% | 5,821 |
| Total risk-based capital ratio | 12.6959% | 5,895 |
| Memoranda: | ||
| Average total assets | $5,307,653,500 | 176 |
| Average earning assets | $4,755,751,000 | 175 |
| Average equity | $524,842,000 | 195 |
| Average total loans | $4,174,305,000 | 161 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,662 |
| Cost of funding earning assets | 0.2191% | 6,184 |
| Net interest margin | 3.9011% | 2,280 |
| Noninterest income to average assets | 1.3203% | 791 |
| Noninterest expense to average assets | 3.1175% | 2,682 |
| Loan and lease loss provision to assets | 0.0294% | 4,522 |
| Net operating income to assets | 1.1066% | 1,914 |
| Return on assets (ROA) | 1.1224% | 1,925 |
| Pretax return on assets | 1.6984% | 961 |
| Return on Equity (ROE) | 11.3600% | 1,650 |
| Retained earnings to average equity (ytd only) | 3.4621% | 3,769 |
| Net charge-offs to loans | 0.0850% | 4,020 |
| Credit loss provision to net charge-offs | 44.6386% | 3,947 |
| Earnings coverage of net charge-offs (x) | 25.8709% | 1,313 |
| Efficiency ratio | 64.6603% | 4,791 |
| Assets per employee ($millions) | 4.5244% | 2,860 |
| Cash dividends to net income (ytd only)* | 69.5241% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,714 |
| Loan loss allowance to noncurrent loans | 82.6776% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9483% | 3,529 |
| Noncurrent loans to loans | 1.1676% | 3,202 |
| Net loans and leases to total assets | 78.4830% | 767 |
| Net loans and leases to deposits | 93.3330% | 931 |
| Net loans and leases to core deposits | 93.9745% | 1,604 |
| Total domestic deposits to total assets | 84.0893% | 4,129 |
| Equity capital to assets | 9.9384% | 3,852 |
| Core capital (leverage) ratio | 9.1236% | 4,818 |
| Tier 1 risk-based capital ratio | 11.1709% | 6,090 |
| Total risk-based capital ratio | 12.1294% | 6,174 |
| Memoranda: | ||
| Average total assets | $5,126,045,800 | 174 |
| Average earning assets | $4,600,261,600 | 172 |
| Average equity | $506,460,400 | 194 |
| Average total loans | $3,970,561,200 | 161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,623 |
| Cost of funding earning assets | 0.2161% | 6,310 |
| Net interest margin | 3.9182% | 2,204 |
| Noninterest income to average assets | 1.3837% | 761 |
| Noninterest expense to average assets | 3.0978% | 2,657 |
| Loan and lease loss provision to assets | 0.0249% | 4,509 |
| Net operating income to assets | 1.1655% | 1,757 |
| Return on assets (ROA) | 1.1864% | 1,747 |
| Pretax return on assets | 1.8120% | 879 |
| Return on Equity (ROE) | 12.0260% | 1,466 |
| Retained earnings to average equity (ytd only) | 4.0705% | 3,793 |
| Net charge-offs to loans | 0.0641% | 3,998 |
| Credit loss provision to net charge-offs | 50.5302% | 3,484 |
| Earnings coverage of net charge-offs (x) | 36.5812% | 1,068 |
| Efficiency ratio | 63.1860% | 4,952 |
| Assets per employee ($millions) | 4.3067% | 3,212 |
| Cash dividends to net income (ytd only)* | 66.1521% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 5,658 |
| Loan loss allowance to noncurrent loans | 78.1675% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 3,561 |
| Noncurrent loans to loans | 1.2960% | 3,239 |
| Net loans and leases to total assets | 77.7462% | 775 |
| Net loans and leases to deposits | 92.2591% | 964 |
| Net loans and leases to core deposits | 92.9326% | 1,682 |
| Total domestic deposits to total assets | 84.2695% | 4,076 |
| Equity capital to assets | 9.8219% | 4,147 |
| Core capital (leverage) ratio | 9.2540% | 4,749 |
| Tier 1 risk-based capital ratio | 11.5235% | 6,049 |
| Total risk-based capital ratio | 12.5408% | 6,115 |
| Memoranda: | ||
| Average total assets | $5,096,601,250 | 174 |
| Average earning assets | $4,577,295,750 | 171 |
| Average equity | $502,787,000 | 192 |
| Average total loans | $3,924,294,250 | 160 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 3,528 |
| Cost of funding earning assets | 0.2172% | 6,385 |
| Net interest margin | 3.9355% | 2,090 |
| Noninterest income to average assets | 1.3781% | 824 |
| Noninterest expense to average assets | 3.0944% | 2,675 |
| Loan and lease loss provision to assets | 0.0354% | 4,240 |
| Net operating income to assets | 1.1536% | 1,723 |
| Return on assets (ROA) | 1.1850% | 1,742 |
| Pretax return on assets | 1.8306% | 865 |
| Return on Equity (ROE) | 11.9944% | 1,491 |
| Retained earnings to average equity (ytd only) | 4.0178% | 3,737 |
| Net charge-offs to loans | 0.0969% | 3,390 |
| Credit loss provision to net charge-offs | 47.8191% | 3,260 |
| Earnings coverage of net charge-offs (x) | 24.5372% | 1,293 |
| Efficiency ratio | 62.9959% | 5,018 |
| Assets per employee ($millions) | 4.2488% | 3,254 |
| Cash dividends to net income (ytd only)* | 66.5026% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,714 |
| Loan loss allowance to noncurrent loans | 69.1316% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 3,296 |
| Noncurrent loans to loans | 1.4874% | 3,078 |
| Net loans and leases to total assets | 77.8638% | 764 |
| Net loans and leases to deposits | 91.4288% | 1,018 |
| Net loans and leases to core deposits | 92.0957% | 1,700 |
| Total domestic deposits to total assets | 85.1633% | 3,819 |
| Equity capital to assets | 9.9061% | 4,041 |
| Core capital (leverage) ratio | 9.3106% | 4,523 |
| Tier 1 risk-based capital ratio | 11.5160% | 6,102 |
| Total risk-based capital ratio | 12.5409% | 6,174 |
| Memoranda: | ||
| Average total assets | $5,075,677,670 | 173 |
| Average earning assets | $4,557,903,000 | 170 |
| Average equity | $501,467,330 | 192 |
| Average total loans | $3,881,636,000 | 158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,647 |
| Cost of funding earning assets | 0.2174% | 6,489 |
| Net interest margin | 3.9019% | 2,115 |
| Noninterest income to average assets | 1.3994% | 786 |
| Noninterest expense to average assets | 3.0400% | 2,865 |
| Loan and lease loss provision to assets | 0.1463% | 2,413 |
| Net operating income to assets | 1.1148% | 1,802 |
| Return on assets (ROA) | 1.1148% | 1,910 |
| Pretax return on assets | 1.7131% | 1,043 |
| Return on Equity (ROE) | 11.2983% | 1,619 |
| Retained earnings to average equity (ytd only) | 3.3165% | 4,263 |
| Net charge-offs to loans | 0.1163% | 2,731 |
| Credit loss provision to net charge-offs | 166.9362% | 1,254 |
| Earnings coverage of net charge-offs (x) | 21.2129% | 1,164 |
| Efficiency ratio | 62.0485% | 5,296 |
| Assets per employee ($millions) | 4.3470% | 3,248 |
| Cash dividends to net income (ytd only)* | 70.6464% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,565 |
| Loan loss allowance to noncurrent loans | 61.8773% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 3,131 |
| Noncurrent loans to loans | 1.7930% | 2,869 |
| Net loans and leases to total assets | 74.4416% | 1,018 |
| Net loans and leases to deposits | 87.6066% | 1,185 |
| Net loans and leases to core deposits | 88.2453% | 1,882 |
| Total domestic deposits to total assets | 84.9726% | 4,053 |
| Equity capital to assets | 9.8544% | 4,344 |
| Core capital (leverage) ratio | 9.1213% | 4,689 |
| Tier 1 risk-based capital ratio | 11.7234% | 6,074 |
| Total risk-based capital ratio | 12.8179% | 6,118 |
| Memoranda: | ||
| Average total assets | $5,079,083,000 | 176 |
| Average earning assets | $4,555,883,000 | 173 |
| Average equity | $501,137,000 | 197 |
| Average total loans | $3,828,545,000 | 162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 4,005 |
| Cost of funding earning assets | 0.2544% | 6,655 |
| Net interest margin | 4.1016% | 1,995 |
| Noninterest income to average assets | 1.4418% | 753 |
| Noninterest expense to average assets | 3.0579% | 3,059 |
| Loan and lease loss provision to assets | 0.2594% | 2,573 |
| Net operating income to assets | 1.1789% | 1,667 |
| Return on assets (ROA) | 1.1807% | 1,824 |
| Pretax return on assets | 1.7924% | 932 |
| Return on Equity (ROE) | 11.7772% | 1,567 |
| Retained earnings to average equity (ytd only) | 2.7390% | 4,311 |
| Net charge-offs to loans | 0.2350% | 3,525 |
| Credit loss provision to net charge-offs | 146.3312% | 1,859 |
| Earnings coverage of net charge-offs (x) | 11.5595% | 2,017 |
| Efficiency ratio | 59.8762% | 5,561 |
| Assets per employee ($millions) | 4.3092% | 3,336 |
| Cash dividends to net income (ytd only)* | 76.7434% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,540 |
| Loan loss allowance to noncurrent loans | 64.3350% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.4144% | 3,281 |
| Noncurrent loans to loans | 1.7148% | 3,039 |
| Net loans and leases to total assets | 74.6493% | 1,106 |
| Net loans and leases to deposits | 88.0443% | 1,268 |
| Net loans and leases to core deposits | 88.6066% | 2,017 |
| Total domestic deposits to total assets | 84.7861% | 3,949 |
| Equity capital to assets | 9.8791% | 4,339 |
| Core capital (leverage) ratio | 9.1466% | 4,663 |
| Tier 1 risk-based capital ratio | 11.6811% | 5,970 |
| Total risk-based capital ratio | 12.7664% | 6,062 |
| Memoranda: | ||
| Average total assets | $4,966,443,200 | 171 |
| Average earning assets | $4,438,182,400 | 173 |
| Average equity | $497,885,800 | 192 |
| Average total loans | $3,746,298,600 | 157 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 3,979 |
| Cost of funding earning assets | 0.2620% | 6,762 |
| Net interest margin | 4.1554% | 1,881 |
| Noninterest income to average assets | 1.3352% | 831 |
| Noninterest expense to average assets | 2.9927% | 3,256 |
| Loan and lease loss provision to assets | 0.2561% | 2,527 |
| Net operating income to assets | 1.1907% | 1,773 |
| Return on assets (ROA) | 1.1931% | 1,945 |
| Pretax return on assets | 1.8046% | 1,039 |
| Return on Equity (ROE) | 11.8574% | 1,679 |
| Retained earnings to average equity (ytd only) | 3.8228% | 4,196 |
| Net charge-offs to loans | 0.2716% | 3,097 |
| Credit loss provision to net charge-offs | 125.0526% | 2,305 |
| Earnings coverage of net charge-offs (x) | 10.0439% | 2,233 |
| Efficiency ratio | 59.2638% | 5,618 |
| Assets per employee ($millions) | 4.2697% | 3,335 |
| Cash dividends to net income (ytd only)* | 67.7599% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 5,861 |
| Loan loss allowance to noncurrent loans | 65.6811% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 3,670 |
| Noncurrent loans to loans | 1.6109% | 3,371 |
| Net loans and leases to total assets | 75.1631% | 1,095 |
| Net loans and leases to deposits | 89.4979% | 1,205 |
| Net loans and leases to core deposits | 90.0687% | 1,973 |
| Total domestic deposits to total assets | 83.9831% | 4,230 |
| Equity capital to assets | 10.2341% | 4,157 |
| Core capital (leverage) ratio | 9.3300% | 4,531 |
| Tier 1 risk-based capital ratio | 11.8422% | 6,031 |
| Total risk-based capital ratio | 12.8787% | 6,127 |
| Memoranda: | ||
| Average total assets | $4,947,623,250 | 174 |
| Average earning assets | $4,422,744,750 | 176 |
| Average equity | $497,837,500 | 194 |
| Average total loans | $3,731,474,000 | 157 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 4,000 |
| Cost of funding earning assets | 0.2695% | 6,840 |
| Net interest margin | 4.1759% | 1,828 |
| Noninterest income to average assets | 1.2725% | 881 |
| Noninterest expense to average assets | 2.9332% | 3,496 |
| Loan and lease loss provision to assets | 0.2396% | 2,669 |
| Net operating income to assets | 1.2122% | 1,674 |
| Return on assets (ROA) | 1.2158% | 1,854 |
| Pretax return on assets | 1.8333% | 975 |
| Return on Equity (ROE) | 12.1522% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.0685% | 3,901 |
| Net charge-offs to loans | 0.2347% | 3,163 |
| Credit loss provision to net charge-offs | 135.6538% | 2,031 |
| Earnings coverage of net charge-offs (x) | 11.7076% | 1,939 |
| Efficiency ratio | 58.6562% | 5,779 |
| Assets per employee ($millions) | 4.4205% | 3,049 |
| Cash dividends to net income (ytd only)* | 66.5203% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,943 |
| Loan loss allowance to noncurrent loans | 62.8912% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 3,646 |
| Noncurrent loans to loans | 1.6745% | 3,384 |
| Net loans and leases to total assets | 74.6905% | 1,142 |
| Net loans and leases to deposits | 88.7830% | 1,281 |
| Net loans and leases to core deposits | 89.3736% | 2,049 |
| Total domestic deposits to total assets | 84.1270% | 4,264 |
| Equity capital to assets | 10.0897% | 4,201 |
| Core capital (leverage) ratio | 9.1997% | 4,612 |
| Tier 1 risk-based capital ratio | 11.8049% | 6,053 |
| Total risk-based capital ratio | 12.8411% | 6,152 |
| Memoranda: | ||
| Average total assets | $4,945,865,000 | 175 |
| Average earning assets | $4,415,615,330 | 176 |
| Average equity | $494,822,330 | 195 |
| Average total loans | $3,721,111,330 | 157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 3,930 |
| Cost of funding earning assets | 0.2761% | 6,921 |
| Net interest margin | 4.2192% | 1,709 |
| Noninterest income to average assets | 1.2685% | 884 |
| Noninterest expense to average assets | 2.8448% | 3,848 |
| Loan and lease loss provision to assets | 0.2873% | 2,163 |
| Net operating income to assets | 1.2865% | 1,485 |
| Return on assets (ROA) | 1.2865% | 1,663 |
| Pretax return on assets | 1.9012% | 875 |
| Return on Equity (ROE) | 12.9135% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.7801% | 3,687 |
| Net charge-offs to loans | 0.2824% | 2,540 |
| Credit loss provision to net charge-offs | 135.4469% | 1,816 |
| Earnings coverage of net charge-offs (x) | 10.3170% | 1,765 |
| Efficiency ratio | 56.5189% | 6,073 |
| Assets per employee ($millions) | 4.4593% | 3,070 |
| Cash dividends to net income (ytd only)* | 62.9842% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 6,109 |
| Loan loss allowance to noncurrent loans | 56.1380% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5165% | 3,579 |
| Noncurrent loans to loans | 1.8564% | 3,336 |
| Net loans and leases to total assets | 74.2984% | 1,015 |
| Net loans and leases to deposits | 88.6138% | 1,092 |
| Net loans and leases to core deposits | 89.2275% | 1,925 |
| Total domestic deposits to total assets | 83.8452% | 4,567 |
| Equity capital to assets | 9.9723% | 4,155 |
| Core capital (leverage) ratio | 9.0963% | 4,688 |
| Tier 1 risk-based capital ratio | 11.8767% | 6,040 |
| Total risk-based capital ratio | 12.9142% | 6,158 |
| Memoranda: | ||
| Average total assets | $4,936,660,000 | 174 |
| Average earning assets | $4,404,873,000 | 174 |
| Average equity | $491,794,000 | 194 |
| Average total loans | $3,708,015,000 | 155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 4,466 |
| Cost of funding earning assets | 0.3327% | 7,050 |
| Net interest margin | 4.3141% | 1,654 |
| Noninterest income to average assets | 1.2682% | 805 |
| Noninterest expense to average assets | 2.9347% | 3,826 |
| Loan and lease loss provision to assets | 0.3081% | 3,208 |
| Net operating income to assets | 1.2235% | 1,452 |
| Return on assets (ROA) | 1.2284% | 1,538 |
| Pretax return on assets | 1.8847% | 686 |
| Return on Equity (ROE) | 12.1072% | 1,378 |
| Retained earnings to average equity (ytd only) | -0.6039% | 5,945 |
| Net charge-offs to loans | 0.3935% | 3,449 |
| Credit loss provision to net charge-offs | 105.2820% | 3,256 |
| Earnings coverage of net charge-offs (x) | 7.4670% | 2,329 |
| Efficiency ratio | 57.3194% | 6,144 |
| Assets per employee ($millions) | 4.4800% | 2,948 |
| Cash dividends to net income (ytd only)* | 104.9881% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 6,086 |
| Loan loss allowance to noncurrent loans | 56.4842% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 3,679 |
| Noncurrent loans to loans | 1.8189% | 3,441 |
| Net loans and leases to total assets | 74.3712% | 1,204 |
| Net loans and leases to deposits | 88.9130% | 1,276 |
| Net loans and leases to core deposits | 89.5260% | 2,192 |
| Total domestic deposits to total assets | 83.6449% | 4,476 |
| Equity capital to assets | 9.9517% | 4,226 |
| Core capital (leverage) ratio | 9.0431% | 4,705 |
| Tier 1 risk-based capital ratio | 11.8854% | 5,910 |
| Total risk-based capital ratio | 12.9163% | 6,029 |
| Memoranda: | ||
| Average total assets | $4,871,453,200 | 172 |
| Average earning assets | $4,349,299,400 | 169 |
| Average equity | $494,276,800 | 187 |
| Average total loans | $3,622,646,800 | 156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 4,681 |
| Cost of funding earning assets | 0.3458% | 7,133 |
| Net interest margin | 4.3021% | 1,708 |
| Noninterest income to average assets | 1.2539% | 819 |
| Noninterest expense to average assets | 2.9195% | 3,839 |
| Loan and lease loss provision to assets | 0.2997% | 3,125 |
| Net operating income to assets | 1.2138% | 1,615 |
| Return on assets (ROA) | 1.2205% | 1,707 |
| Pretax return on assets | 1.8897% | 800 |
| Return on Equity (ROE) | 11.9704% | 1,561 |
| Retained earnings to average equity (ytd only) | 0.4043% | 5,830 |
| Net charge-offs to loans | 0.5427% | 2,610 |
| Credit loss provision to net charge-offs | 74.4549% | 4,343 |
| Earnings coverage of net charge-offs (x) | 5.4144% | 2,795 |
| Efficiency ratio | 57.2606% | 6,107 |
| Assets per employee ($millions) | 4.5888% | 2,768 |
| Cash dividends to net income (ytd only)* | 96.6227% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,578 |
| Loan loss allowance to noncurrent loans | 50.9837% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 3,929 |
| Noncurrent loans to loans | 1.7801% | 3,666 |
| Net loans and leases to total assets | 74.4190% | 1,252 |
| Net loans and leases to deposits | 89.0425% | 1,317 |
| Net loans and leases to core deposits | 89.7146% | 2,289 |
| Total domestic deposits to total assets | 83.5769% | 4,444 |
| Equity capital to assets | 10.2199% | 4,058 |
| Core capital (leverage) ratio | 9.1070% | 4,778 |
| Tier 1 risk-based capital ratio | 12.0874% | 5,833 |
| Total risk-based capital ratio | 13.0031% | 6,068 |
| Memoranda: | ||
| Average total assets | $4,861,800,500 | 172 |
| Average earning assets | $4,344,963,250 | 168 |
| Average equity | $495,687,250 | 189 |
| Average total loans | $3,605,914,000 | 156 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 4,722 |
| Cost of funding earning assets | 0.3570% | 7,212 |
| Net interest margin | 4.3001% | 1,650 |
| Noninterest income to average assets | 1.2662% | 784 |
| Noninterest expense to average assets | 2.9299% | 3,902 |
| Loan and lease loss provision to assets | 0.2931% | 3,054 |
| Net operating income to assets | 1.1979% | 1,577 |
| Return on assets (ROA) | 1.1981% | 1,657 |
| Pretax return on assets | 1.8836% | 737 |
| Return on Equity (ROE) | 11.7604% | 1,567 |
| Retained earnings to average equity (ytd only) | 0.4235% | 5,677 |
| Net charge-offs to loans | 0.5786% | 2,373 |
| Credit loss provision to net charge-offs | 68.5811% | 4,087 |
| Earnings coverage of net charge-offs (x) | 5.0933% | 2,693 |
| Efficiency ratio | 57.3772% | 6,246 |
| Assets per employee ($millions) | 4.5242% | 2,794 |
| Cash dividends to net income (ytd only)* | 96.3988% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,560 |
| Loan loss allowance to noncurrent loans | 59.6775% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.2580% | 4,379 |
| Noncurrent loans to loans | 1.5698% | 4,052 |
| Net loans and leases to total assets | 73.2945% | 1,539 |
| Net loans and leases to deposits | 87.5342% | 1,563 |
| Net loans and leases to core deposits | 88.2043% | 2,618 |
| Total domestic deposits to total assets | 83.7324% | 4,459 |
| Equity capital to assets | 10.1663% | 3,925 |
| Core capital (leverage) ratio | 9.0961% | 4,573 |
| Tier 1 risk-based capital ratio | 12.3108% | 5,511 |
| Total risk-based capital ratio | 13.2594% | 5,747 |
| Memoranda: | ||
| Average total assets | $4,848,792,330 | 175 |
| Average earning assets | $4,330,225,000 | 171 |
| Average equity | $493,962,670 | 192 |
| Average total loans | $3,581,035,330 | 160 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 4,553 |
| Cost of funding earning assets | 0.3673% | 7,290 |
| Net interest margin | 4.3266% | 1,480 |
| Noninterest income to average assets | 1.2138% | 864 |
| Noninterest expense to average assets | 2.8954% | 4,074 |
| Loan and lease loss provision to assets | 0.3770% | 2,303 |
| Net operating income to assets | 1.1476% | 1,674 |
| Return on assets (ROA) | 1.1476% | 1,723 |
| Pretax return on assets | 1.8063% | 808 |
| Return on Equity (ROE) | 11.2531% | 1,657 |
| Retained earnings to average equity (ytd only) | -0.1211% | 5,810 |
| Net charge-offs to loans | 0.6189% | 1,960 |
| Credit loss provision to net charge-offs | 82.5472% | 3,109 |
| Earnings coverage of net charge-offs (x) | 4.7807% | 2,399 |
| Efficiency ratio | 57.0116% | 6,381 |
| Assets per employee ($millions) | 4.5116% | 2,868 |
| Cash dividends to net income (ytd only)* | 101.0757% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,364 |
| Loan loss allowance to noncurrent loans | 60.5569% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 4,274 |
| Noncurrent loans to loans | 1.6646% | 3,986 |
| Net loans and leases to total assets | 73.1432% | 1,490 |
| Net loans and leases to deposits | 87.3652% | 1,537 |
| Net loans and leases to core deposits | 88.1073% | 2,587 |
| Total domestic deposits to total assets | 83.7212% | 4,610 |
| Equity capital to assets | 10.1114% | 3,639 |
| Core capital (leverage) ratio | 9.0959% | 4,455 |
| Tier 1 risk-based capital ratio | 12.4613% | 5,300 |
| Total risk-based capital ratio | 13.4919% | 5,483 |
| Memoranda: | ||
| Average total assets | $4,827,884,000 | 177 |
| Average earning assets | $4,312,693,500 | 171 |
| Average equity | $492,346,000 | 192 |
| Average total loans | $3,562,331,000 | 160 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 5,048 |
| Cost of funding earning assets | 0.4672% | 7,348 |
| Net interest margin | 4.4299% | 1,397 |
| Noninterest income to average assets | 1.4211% | 716 |
| Noninterest expense to average assets | 3.0496% | 3,659 |
| Loan and lease loss provision to assets | 0.4292% | 3,544 |
| Net operating income to assets | 1.2007% | 1,410 |
| Return on assets (ROA) | 1.2007% | 1,490 |
| Pretax return on assets | 1.9058% | 602 |
| Return on Equity (ROE) | 11.7070% | 1,387 |
| Retained earnings to average equity (ytd only) | -0.7098% | 5,748 |
| Net charge-offs to loans | 0.6600% | 3,033 |
| Credit loss provision to net charge-offs | 87.8490% | 5,212 |
| Earnings coverage of net charge-offs (x) | 4.7796% | 2,809 |
| Efficiency ratio | 56.6361% | 6,508 |
| Assets per employee ($millions) | 4.4622% | 2,935 |
| Cash dividends to net income (ytd only)* | 106.0627% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 6,138 |
| Loan loss allowance to noncurrent loans | 63.5289% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 4,408 |
| Noncurrent loans to loans | 1.6546% | 4,023 |
| Net loans and leases to total assets | 72.9093% | 1,899 |
| Net loans and leases to deposits | 87.1973% | 1,908 |
| Net loans and leases to core deposits | 87.9878% | 3,053 |
| Total domestic deposits to total assets | 83.6141% | 4,549 |
| Equity capital to assets | 10.2857% | 3,397 |
| Core capital (leverage) ratio | 9.2094% | 4,153 |
| Tier 1 risk-based capital ratio | 12.7669% | 4,801 |
| Total risk-based capital ratio | 13.8525% | 4,923 |
| Memoranda: | ||
| Average total assets | $4,868,618,600 | 173 |
| Average earning assets | $4,355,877,200 | 170 |
| Average equity | $499,326,400 | 187 |
| Average total loans | $3,603,673,400 | 155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 5,156 |
| Cost of funding earning assets | 0.4854% | 7,462 |
| Net interest margin | 4.4373% | 1,406 |
| Noninterest income to average assets | 1.4310% | 664 |
| Noninterest expense to average assets | 3.1005% | 3,336 |
| Loan and lease loss provision to assets | 0.3359% | 3,921 |
| Net operating income to assets | 1.2322% | 1,507 |
| Return on assets (ROA) | 1.2322% | 1,583 |
| Pretax return on assets | 1.9660% | 667 |
| Return on Equity (ROE) | 12.0228% | 1,496 |
| Retained earnings to average equity (ytd only) | 0.5751% | 5,570 |
| Net charge-offs to loans | 0.5627% | 3,067 |
| Credit loss provision to net charge-offs | 80.5576% | 5,113 |
| Earnings coverage of net charge-offs (x) | 5.5209% | 2,729 |
| Efficiency ratio | 57.3914% | 6,362 |
| Assets per employee ($millions) | 4.4857% | 2,930 |
| Cash dividends to net income (ytd only)* | 95.2170% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 6,123 |
| Loan loss allowance to noncurrent loans | 60.5471% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 4,438 |
| Noncurrent loans to loans | 1.7477% | 4,020 |
| Net loans and leases to total assets | 72.1532% | 2,221 |
| Net loans and leases to deposits | 86.8342% | 2,177 |
| Net loans and leases to core deposits | 87.6893% | 3,414 |
| Total domestic deposits to total assets | 83.0931% | 4,558 |
| Equity capital to assets | 10.4625% | 3,557 |
| Core capital (leverage) ratio | 9.3177% | 4,184 |
| Tier 1 risk-based capital ratio | 13.1108% | 4,493 |
| Total risk-based capital ratio | 14.2100% | 4,591 |
| Memoranda: | ||
| Average total assets | $4,886,566,500 | 170 |
| Average earning assets | $4,373,618,500 | 168 |
| Average equity | $500,811,750 | 185 |
| Average total loans | $3,620,970,250 | 150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 5,441 |
| Cost of funding earning assets | 0.5051% | 7,539 |
| Net interest margin | 4.3838% | 1,495 |
| Noninterest income to average assets | 1.4195% | 629 |
| Noninterest expense to average assets | 3.1507% | 3,091 |
| Loan and lease loss provision to assets | 0.2584% | 4,350 |
| Net operating income to assets | 1.2156% | 1,522 |
| Return on assets (ROA) | 1.2156% | 1,586 |
| Pretax return on assets | 1.9378% | 690 |
| Return on Equity (ROE) | 11.9420% | 1,471 |
| Retained earnings to average equity (ytd only) | 2.7457% | 4,385 |
| Net charge-offs to loans | 0.5850% | 2,777 |
| Credit loss provision to net charge-offs | 59.3032% | 5,222 |
| Earnings coverage of net charge-offs (x) | 5.0402% | 2,769 |
| Efficiency ratio | 58.9258% | 6,237 |
| Assets per employee ($millions) | 4.4970% | 2,881 |
| Cash dividends to net income (ytd only)* | 77.0081% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,453 |
| Loan loss allowance to noncurrent loans | 54.9183% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.4103% | 4,359 |
| Noncurrent loans to loans | 1.8012% | 4,001 |
| Net loans and leases to total assets | 73.2766% | 2,089 |
| Net loans and leases to deposits | 88.4048% | 2,111 |
| Net loans and leases to core deposits | 89.2829% | 3,376 |
| Total domestic deposits to total assets | 82.8876% | 4,617 |
| Equity capital to assets | 10.4068% | 3,519 |
| Core capital (leverage) ratio | 9.2672% | 4,179 |
| Tier 1 risk-based capital ratio | 13.0149% | 4,423 |
| Total risk-based capital ratio | 14.0557% | 4,567 |
| Memoranda: | ||
| Average total assets | $4,914,015,670 | 170 |
| Average earning assets | $4,402,321,330 | 168 |
| Average equity | $500,201,670 | 184 |
| Average total loans | $3,660,136,330 | 147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 5,599 |
| Cost of funding earning assets | 0.5295% | 7,629 |
| Net interest margin | 4.3425% | 1,559 |
| Noninterest income to average assets | 1.3849% | 630 |
| Noninterest expense to average assets | 3.0715% | 3,385 |
| Loan and lease loss provision to assets | 0.4345% | 2,786 |
| Net operating income to assets | 1.1137% | 1,787 |
| Return on assets (ROA) | 1.1137% | 1,870 |
| Pretax return on assets | 1.7679% | 937 |
| Return on Equity (ROE) | 11.0629% | 1,771 |
| Retained earnings to average equity (ytd only) | 2.2036% | 4,806 |
| Net charge-offs to loans | 0.8390% | 1,855 |
| Credit loss provision to net charge-offs | 69.3094% | 4,113 |
| Earnings coverage of net charge-offs (x) | 3.5132% | 2,886 |
| Efficiency ratio | 58.2407% | 6,453 |
| Assets per employee ($millions) | 4.4222% | 3,090 |
| Cash dividends to net income (ytd only)* | 80.0815% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 6,327 |
| Loan loss allowance to noncurrent loans | 50.8065% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 4,115 |
| Noncurrent loans to loans | 2.0249% | 3,758 |
| Net loans and leases to total assets | 73.5633% | 2,065 |
| Net loans and leases to deposits | 89.6605% | 1,957 |
| Net loans and leases to core deposits | 90.6072% | 3,283 |
| Total domestic deposits to total assets | 82.0464% | 5,058 |
| Equity capital to assets | 10.1664% | 3,647 |
| Core capital (leverage) ratio | 9.0556% | 4,465 |
| Tier 1 risk-based capital ratio | 12.8908% | 4,410 |
| Total risk-based capital ratio | 13.9922% | 4,485 |
| Memoranda: | ||
| Average total assets | $4,933,676,000 | 173 |
| Average earning assets | $4,418,399,500 | 172 |
| Average equity | $496,651,500 | 185 |
| Average total loans | $3,686,355,500 | 149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 4,825 |
| Cost of funding earning assets | 0.9434% | 7,320 |
| Net interest margin | 4.4286% | 1,348 |
| Noninterest income to average assets | 1.3054% | 880 |
| Noninterest expense to average assets | 3.2910% | 3,037 |
| Loan and lease loss provision to assets | 0.6236% | 3,309 |
| Net operating income to assets | 0.9360% | 2,067 |
| Return on assets (ROA) | 0.4242% | 4,137 |
| Pretax return on assets | 0.6234% | 3,834 |
| Return on Equity (ROE) | 4.4925% | 3,888 |
| Retained earnings to average equity (ytd only) | -5.8534% | 6,132 |
| Net charge-offs to loans | 0.6937% | 3,104 |
| Credit loss provision to net charge-offs | 117.0660% | 4,634 |
| Earnings coverage of net charge-offs (x) | 3.7537% | 3,217 |
| Efficiency ratio | 62.2048% | 6,120 |
| Assets per employee ($millions) | 4.4234% | 3,063 |
| Cash dividends to net income (ytd only)* | 230.2936% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,999 |
| Loan loss allowance to noncurrent loans | 61.4558% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.3989% | 4,321 |
| Noncurrent loans to loans | 1.7558% | 4,004 |
| Net loans and leases to total assets | 74.2969% | 2,199 |
| Net loans and leases to deposits | 89.5698% | 2,288 |
| Net loans and leases to core deposits | 94.3662% | 4,641 |
| Total domestic deposits to total assets | 82.9487% | 4,538 |
| Equity capital to assets | 9.9670% | 3,804 |
| Core capital (leverage) ratio | 8.9905% | 4,438 |
| Tier 1 risk-based capital ratio | 12.8814% | 4,222 |
| Total risk-based capital ratio | 14.0598% | 4,229 |
| Memoranda: | ||
| Average total assets | $5,131,429,400 | 167 |
| Average earning assets | $4,617,674,800 | 164 |
| Average equity | $484,519,400 | 187 |
| Average total loans | $3,940,580,400 | 144 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 4,717 |
| Cost of funding earning assets | 1.0413% | 7,299 |
| Net interest margin | 4.4022% | 1,436 |
| Noninterest income to average assets | 1.2292% | 1,016 |
| Noninterest expense to average assets | 3.2688% | 3,037 |
| Loan and lease loss provision to assets | 0.6951% | 2,651 |
| Net operating income to assets | 0.8018% | 2,810 |
| Return on assets (ROA) | 0.6752% | 3,359 |
| Pretax return on assets | 1.0414% | 2,772 |
| Return on Equity (ROE) | 7.2466% | 2,969 |
| Retained earnings to average equity (ytd only) | -3.4757% | 6,025 |
| Net charge-offs to loans | 0.7245% | 2,544 |
| Credit loss provision to net charge-offs | 124.2922% | 4,053 |
| Earnings coverage of net charge-offs (x) | 3.4533% | 3,523 |
| Efficiency ratio | 62.8617% | 5,956 |
| Assets per employee ($millions) | 4.3198% | 3,172 |
| Cash dividends to net income (ytd only)* | 147.9638% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 5,901 |
| Loan loss allowance to noncurrent loans | 71.7455% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 4,590 |
| Noncurrent loans to loans | 1.4911% | 4,429 |
| Net loans and leases to total assets | 75.2256% | 2,182 |
| Net loans and leases to deposits | 91.9580% | 2,239 |
| Net loans and leases to core deposits | 97.9270% | 4,610 |
| Total domestic deposits to total assets | 81.8043% | 4,762 |
| Equity capital to assets | 9.8091% | 4,339 |
| Core capital (leverage) ratio | 9.1306% | 4,445 |
| Tier 1 risk-based capital ratio | 12.1053% | 4,870 |
| Total risk-based capital ratio | 13.2093% | 4,945 |
| Memoranda: | ||
| Average total assets | $5,179,039,500 | 175 |
| Average earning assets | $4,671,532,500 | 169 |
| Average equity | $482,532,250 | 193 |
| Average total loans | $3,997,963,750 | 153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 4,663 |
| Cost of funding earning assets | 1.1420% | 7,266 |
| Net interest margin | 4.3528% | 1,513 |
| Noninterest income to average assets | 1.1905% | 1,104 |
| Noninterest expense to average assets | 3.3419% | 2,817 |
| Loan and lease loss provision to assets | 0.8322% | 2,015 |
| Net operating income to assets | 0.6194% | 3,596 |
| Return on assets (ROA) | 0.5689% | 3,926 |
| Pretax return on assets | 0.8672% | 3,455 |
| Return on Equity (ROE) | 6.2101% | 3,554 |
| Retained earnings to average equity (ytd only) | -8.2845% | 6,702 |
| Net charge-offs to loans | 0.8693% | 1,956 |
| Credit loss provision to net charge-offs | 123.4218% | 3,767 |
| Earnings coverage of net charge-offs (x) | 2.6339% | 3,757 |
| Efficiency ratio | 65.2995% | 5,657 |
| Assets per employee ($millions) | 4.2567% | 3,191 |
| Cash dividends to net income (ytd only)* | 233.4027% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,110 |
| Loan loss allowance to noncurrent loans | 68.6793% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 4,576 |
| Noncurrent loans to loans | 1.4782% | 4,277 |
| Net loans and leases to total assets | 75.2413% | 2,383 |
| Net loans and leases to deposits | 91.5904% | 2,554 |
| Net loans and leases to core deposits | 98.8919% | 4,610 |
| Total domestic deposits to total assets | 82.1498% | 4,629 |
| Equity capital to assets | 9.2947% | 4,878 |
| Core capital (leverage) ratio | 8.7434% | 5,015 |
| Tier 1 risk-based capital ratio | 11.5585% | 5,323 |
| Total risk-based capital ratio | 12.6046% | 5,454 |
| Memoranda: | ||
| Average total assets | $5,239,394,670 | 181 |
| Average earning assets | $4,727,157,670 | 176 |
| Average equity | $479,957,670 | 194 |
| Average total loans | $4,063,813,670 | 155 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 4,490 |
| Cost of funding earning assets | 1.2435% | 7,191 |
| Net interest margin | 4.3337% | 1,507 |
| Noninterest income to average assets | 1.1131% | 1,197 |
| Noninterest expense to average assets | 3.2090% | 2,950 |
| Loan and lease loss provision to assets | 0.6266% | 2,020 |
| Net operating income to assets | 0.7486% | 3,357 |
| Return on assets (ROA) | 0.8215% | 3,190 |
| Pretax return on assets | 1.2952% | 2,299 |
| Return on Equity (ROE) | 9.0315% | 2,706 |
| Retained earnings to average equity (ytd only) | 0.0813% | 5,625 |
| Net charge-offs to loans | 0.2766% | 3,017 |
| Credit loss provision to net charge-offs | 289.2994% | 1,673 |
| Earnings coverage of net charge-offs (x) | 8.3475% | 2,202 |
| Efficiency ratio | 63.9637% | 5,691 |
| Assets per employee ($millions) | 4.0953% | 3,467 |
| Cash dividends to net income (ytd only)* | 99.0994% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,129 |
| Loan loss allowance to noncurrent loans | 76.6601% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 4,517 |
| Noncurrent loans to loans | 1.3124% | 4,353 |
| Net loans and leases to total assets | 77.8197% | 1,863 |
| Net loans and leases to deposits | 95.8956% | 1,966 |
| Net loans and leases to core deposits | 104.5035% | 4,082 |
| Total domestic deposits to total assets | 81.1505% | 4,905 |
| Equity capital to assets | 9.4288% | 4,771 |
| Core capital (leverage) ratio | 8.9647% | 4,768 |
| Tier 1 risk-based capital ratio | 12.0179% | 4,949 |
| Total risk-based capital ratio | 13.0836% | 5,003 |
| Memoranda: | ||
| Average total assets | $5,298,703,000 | 179 |
| Average earning assets | $4,773,082,500 | 175 |
| Average equity | $481,956,500 | 192 |
| Average total loans | $4,149,491,500 | 156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 6,590 |
| Cost of funding earning assets | 1.9207% | 6,671 |
| Net interest margin | 3.8313% | 3,888 |
| Noninterest income to average assets | 1.1431% | 1,183 |
| Noninterest expense to average assets | 3.6190% | 2,100 |
| Loan and lease loss provision to assets | 0.2992% | 3,981 |
| Net operating income to assets | 0.4641% | 4,889 |
| Return on assets (ROA) | 0.2947% | 5,376 |
| Pretax return on assets | 0.4462% | 5,132 |
| Return on Equity (ROE) | 3.2159% | 5,149 |
| Retained earnings to average equity (ytd only) | -16.3213% | 7,530 |
| Net charge-offs to loans | 0.1233% | 5,007 |
| Credit loss provision to net charge-offs | 351.0766% | 1,284 |
| Earnings coverage of net charge-offs (x) | 11.7571% | 2,336 |
| Efficiency ratio | 77.9979% | 2,918 |
| Assets per employee ($millions) | 4.1411% | 3,229 |
| Cash dividends to net income (ytd only)* | 607.5167% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 6,961 |
| Loan loss allowance to noncurrent loans | 186.3328% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 6,108 |
| Noncurrent loans to loans | 0.4475% | 6,017 |
| Net loans and leases to total assets | 77.3769% | 2,294 |
| Net loans and leases to deposits | 99.3250% | 1,940 |
| Net loans and leases to core deposits | 109.8910% | 3,789 |
| Total domestic deposits to total assets | 77.9027% | 5,748 |
| Equity capital to assets | 8.7796% | 5,689 |
| Core capital (leverage) ratio | 8.4765% | 5,614 |
| Tier 1 risk-based capital ratio | 11.8439% | 4,948 |
| Total risk-based capital ratio | 12.7560% | 5,129 |
| Memoranda: | ||
| Average total assets | $6,048,766,400 | 166 |
| Average earning assets | $5,490,742,400 | 161 |
| Average equity | $554,336,600 | 173 |
| Average total loans | $4,180,798,400 | 156 |