Home > Banner Bank > Performance and Condition Ratios
Banner Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 2,130 |
| Cost of funding earning assets | 0.8140% | 3,700 |
| Net interest margin | 4.1577% | 994 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.4194% | 2,528 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3565% | 1,307 |
| Return on assets (ROA) | 1.2538% | 1,504 |
| Pretax return on assets | 1.5565% | 1,317 |
| Return on Equity (ROE) | 12.1300% | 1,920 |
| Retained earnings to average equity (ytd only) | 5.6981% | 2,355 |
| Net charge-offs to loans | 0.0278% | 1,750 |
| Credit loss provision to net charge-offs | 380.1644% | 809 |
| Earnings coverage of net charge-offs (x) | 93.7705% | 932 |
| Efficiency ratio | 57.4181% | 3,355 |
| Assets per employee ($millions) | 8.2116% | 1,326 |
| Cash dividends to net income (ytd only)* | 53.0130% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,448 |
| Loan loss allowance to noncurrent loans | 505.5165% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 2,262 |
| Noncurrent loans to loans | 0.2735% | 2,206 |
| Net loans and leases to total assets | 68.1100% | 2,024 |
| Net loans and leases to deposits | 81.2298% | 2,011 |
| Net loans and leases to core deposits | 84.7381% | 2,402 |
| Total domestic deposits to total assets | 83.8500% | 2,661 |
| Equity capital to assets | 10.9087% | 1,517 |
| Core capital (leverage) ratio | 10.4636% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6950% | 1,986 |
| Memoranda: | ||
| Average total assets | $15,619,817,200 | 119 |
| Average earning assets | $14,111,960,800 | 119 |
| Average equity | $1,614,903,200 | 111 |
| Average total loans | $10,486,700,000 | 122 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 2,066 |
| Cost of funding earning assets | 0.6834% | 3,803 |
| Net interest margin | 4.2132% | 904 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.4145% | 2,479 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3886% | 1,346 |
| Return on assets (ROA) | 1.2856% | 1,566 |
| Pretax return on assets | 1.5904% | 1,380 |
| Return on Equity (ROE) | 12.6100% | 1,976 |
| Retained earnings to average equity (ytd only) | 6.2202% | 2,564 |
| Net charge-offs to loans | 0.0228% | 1,634 |
| Credit loss provision to net charge-offs | 408.5345% | 711 |
| Earnings coverage of net charge-offs (x) | 117.5340% | 850 |
| Efficiency ratio | 56.8620% | 3,324 |
| Assets per employee ($millions) | 8.1130% | 1,290 |
| Cash dividends to net income (ytd only)* | 50.6691% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 1,539 |
| Loan loss allowance to noncurrent loans | 559.5705% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,431 |
| Noncurrent loans to loans | 0.2462% | 2,362 |
| Net loans and leases to total assets | 67.8400% | 2,061 |
| Net loans and leases to deposits | 79.2507% | 2,120 |
| Net loans and leases to core deposits | 82.8148% | 2,411 |
| Total domestic deposits to total assets | 85.6100% | 2,312 |
| Equity capital to assets | 10.2393% | 1,679 |
| Core capital (leverage) ratio | 10.3759% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5382% | 2,065 |
| Memoranda: | ||
| Average total assets | $15,607,818,250 | 120 |
| Average earning assets | $14,100,914,250 | 118 |
| Average equity | $1,591,340,750 | 114 |
| Average total loans | $10,402,968,750 | 125 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 2,014 |
| Cost of funding earning assets | 0.5333% | 3,918 |
| Net interest margin | 4.2567% | 853 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3999% | 2,484 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4223% | 1,274 |
| Return on assets (ROA) | 1.2963% | 1,568 |
| Pretax return on assets | 1.6036% | 1,411 |
| Return on Equity (ROE) | 12.7300% | 1,963 |
| Retained earnings to average equity (ytd only) | 5.4616% | 2,800 |
| Net charge-offs to loans | 0.0217% | 1,452 |
| Credit loss provision to net charge-offs | 387.5671% | 745 |
| Earnings coverage of net charge-offs (x) | 128.6404% | 812 |
| Efficiency ratio | 56.0024% | 3,416 |
| Assets per employee ($millions) | 8.0726% | 1,282 |
| Cash dividends to net income (ytd only)* | 57.1044% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,629 |
| Loan loss allowance to noncurrent loans | 513.4138% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,273 |
| Noncurrent loans to loans | 0.2675% | 2,200 |
| Net loans and leases to total assets | 66.6800% | 2,088 |
| Net loans and leases to deposits | 78.7184% | 2,066 |
| Net loans and leases to core deposits | 82.2503% | 2,317 |
| Total domestic deposits to total assets | 84.7000% | 2,622 |
| Equity capital to assets | 10.3397% | 1,665 |
| Core capital (leverage) ratio | 10.2012% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3912% | 2,137 |
| Memoranda: | ||
| Average total assets | $15,642,428,333 | 116 |
| Average earning assets | $14,146,186,667 | 112 |
| Average equity | $1,592,622,333 | 111 |
| Average total loans | $10,315,433,333 | 121 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 1,845 |
| Cost of funding earning assets | 0.3110% | 4,168 |
| Net interest margin | 4.3918% | 692 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.3912% | 2,559 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.6515% | 904 |
| Return on assets (ROA) | 1.4968% | 1,171 |
| Pretax return on assets | 1.8513% | 984 |
| Return on Equity (ROE) | 14.8200% | 1,587 |
| Retained earnings to average equity (ytd only) | 7.5978% | 2,338 |
| Net charge-offs to loans | 0.0306% | 1,096 |
| Credit loss provision to net charge-offs | 98.9770% | 1,145 |
| Earnings coverage of net charge-offs (x) | 101.6675% | 785 |
| Efficiency ratio | 53.4905% | 3,654 |
| Assets per employee ($millions) | 7.9333% | 1,377 |
| Cash dividends to net income (ytd only)* | 48.7169% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,676 |
| Loan loss allowance to noncurrent loans | 528.3767% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,280 |
| Noncurrent loans to loans | 0.2622% | 2,208 |
| Net loans and leases to total assets | 64.8500% | 2,166 |
| Net loans and leases to deposits | 76.0298% | 2,111 |
| Net loans and leases to core deposits | 77.7351% | 2,405 |
| Total domestic deposits to total assets | 85.3000% | 2,779 |
| Equity capital to assets | 10.4152% | 1,607 |
| Core capital (leverage) ratio | 10.0148% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7140% | 2,085 |
| Memoranda: | ||
| Average total assets | $15,673,564,000 | 119 |
| Average earning assets | $14,201,083,000 | 115 |
| Average equity | $1,583,464,500 | 114 |
| Average total loans | $10,206,640,500 | 124 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 2,152 |
| Cost of funding earning assets | 0.0744% | 4,494 |
| Net interest margin | 3.7717% | 1,219 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.2641% | 2,854 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2766% | 1,513 |
| Return on assets (ROA) | 1.2558% | 1,530 |
| Pretax return on assets | 1.5527% | 1,283 |
| Return on Equity (ROE) | 12.6800% | 1,912 |
| Retained earnings to average equity (ytd only) | 6.4196% | 2,485 |
| Net charge-offs to loans | -0.0126% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1269% | 3,453 |
| Assets per employee ($millions) | 8.1137% | 1,261 |
| Cash dividends to net income (ytd only)* | 49.3815% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,544 |
| Loan loss allowance to noncurrent loans | 615.2525% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,504 |
| Noncurrent loans to loans | 0.2253% | 2,365 |
| Net loans and leases to total assets | 63.6000% | 2,281 |
| Net loans and leases to deposits | 73.4594% | 2,296 |
| Net loans and leases to core deposits | 74.3899% | 2,541 |
| Total domestic deposits to total assets | 86.5700% | 2,545 |
| Equity capital to assets | 9.7962% | 1,829 |
| Core capital (leverage) ratio | 9.5490% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3801% | 2,208 |
| Memoranda: | ||
| Average total assets | $16,422,535,200 | 115 |
| Average earning assets | $14,887,124,000 | 114 |
| Average equity | $1,626,120,200 | 116 |
| Average total loans | $9,606,624,400 | 127 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6122% | 2,312 |
| Cost of funding earning assets | 0.0627% | 4,514 |
| Net interest margin | 3.5495% | 1,524 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.2040% | 2,923 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2015% | 1,687 |
| Return on assets (ROA) | 1.1994% | 1,669 |
| Pretax return on assets | 1.4883% | 1,444 |
| Return on Equity (ROE) | 12.0800% | 2,007 |
| Retained earnings to average equity (ytd only) | 5.9253% | 2,775 |
| Net charge-offs to loans | -0.0240% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.2719% | 3,354 |
| Assets per employee ($millions) | 8.6007% | 1,026 |
| Cash dividends to net income (ytd only)* | 50.9592% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 1,709 |
| Loan loss allowance to noncurrent loans | 894.6094% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,993 |
| Noncurrent loans to loans | 0.1533% | 2,844 |
| Net loans and leases to total assets | 59.7900% | 2,527 |
| Net loans and leases to deposits | 68.3461% | 2,510 |
| Net loans and leases to core deposits | 69.1239% | 2,711 |
| Total domestic deposits to total assets | 87.4800% | 2,602 |
| Equity capital to assets | 9.2443% | 2,042 |
| Core capital (leverage) ratio | 9.2171% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2630% | 2,368 |
| Memoranda: | ||
| Average total assets | $16,572,757,750 | 116 |
| Average earning assets | $15,023,182,500 | 115 |
| Average equity | $1,645,170,750 | 118 |
| Average total loans | $9,457,385,250 | 127 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 2,473 |
| Cost of funding earning assets | 0.0605% | 4,525 |
| Net interest margin | 3.3280% | 1,828 |
| Noninterest income to average assets | 0.5699% | 1,867 |
| Noninterest expense to average assets | 2.1664% | 2,954 |
| Loan and lease loss provision to assets | -0.0292% | 4,461 |
| Net operating income to assets | 1.1723% | 1,528 |
| Return on assets (ROA) | 1.1696% | 1,516 |
| Pretax return on assets | 1.4487% | 1,311 |
| Return on Equity (ROE) | 11.5227% | 1,829 |
| Retained earnings to average equity (ytd only) | 5.5182% | 2,503 |
| Net charge-offs to loans | -0.0179% | 3,822 |
| Credit loss provision to net charge-offs | 506.8263% | 623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3590% | 3,389 |
| Assets per employee ($millions) | 8.5420% | 1,049 |
| Cash dividends to net income (ytd only)* | 52.1099% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 1,949 |
| Loan loss allowance to noncurrent loans | 687.6944% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 2,891 |
| Noncurrent loans to loans | 0.1965% | 2,722 |
| Net loans and leases to total assets | 57.3881% | 2,590 |
| Net loans and leases to deposits | 65.8524% | 2,555 |
| Net loans and leases to core deposits | 66.6426% | 2,767 |
| Total domestic deposits to total assets | 87.1466% | 2,885 |
| Equity capital to assets | 9.7527% | 1,848 |
| Core capital (leverage) ratio | 8.9520% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2747% | 2,383 |
| Memoranda: | ||
| Average total assets | $16,647,006,333 | 114 |
| Average earning assets | $15,103,420,000 | 116 |
| Average equity | $1,689,745,667 | 116 |
| Average total loans | $9,306,029,000 | 127 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2274% | 2,607 |
| Cost of funding earning assets | 0.0649% | 4,493 |
| Net interest margin | 3.1625% | 1,987 |
| Noninterest income to average assets | 0.4650% | 2,332 |
| Noninterest expense to average assets | 2.1295% | 3,048 |
| Loan and lease loss provision to assets | -0.1659% | 4,663 |
| Net operating income to assets | 1.1145% | 1,492 |
| Return on assets (ROA) | 1.1170% | 1,478 |
| Pretax return on assets | 1.3745% | 1,314 |
| Return on Equity (ROE) | 10.7977% | 1,683 |
| Retained earnings to average equity (ytd only) | 4.5085% | 2,778 |
| Net charge-offs to loans | -0.0325% | 4,116 |
| Credit loss provision to net charge-offs | 986.0963% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8343% | 3,165 |
| Assets per employee ($millions) | 8.6788% | 1,033 |
| Cash dividends to net income (ytd only)* | 58.2460% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,060 |
| Loan loss allowance to noncurrent loans | 674.3215% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 3,018 |
| Noncurrent loans to loans | 0.2020% | 2,810 |
| Net loans and leases to total assets | 54.1844% | 2,734 |
| Net loans and leases to deposits | 62.2795% | 2,693 |
| Net loans and leases to core deposits | 63.0445% | 2,885 |
| Total domestic deposits to total assets | 87.0021% | 2,928 |
| Equity capital to assets | 9.9625% | 1,922 |
| Core capital (leverage) ratio | 8.7732% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4606% | 2,422 |
| Memoranda: | ||
| Average total assets | $16,783,022,000 | 115 |
| Average earning assets | $15,231,093,000 | 116 |
| Average equity | $1,736,116,000 | 117 |
| Average total loans | $9,196,048,500 | 128 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 2,570 |
| Cost of funding earning assets | 0.1013% | 4,375 |
| Net interest margin | 3.4304% | 1,929 |
| Noninterest income to average assets | 0.5780% | 2,246 |
| Noninterest expense to average assets | 2.3086% | 2,770 |
| Loan and lease loss provision to assets | -0.2066% | 4,709 |
| Net operating income to assets | 1.2990% | 1,605 |
| Return on assets (ROA) | 1.3148% | 1,600 |
| Pretax return on assets | 1.6236% | 1,361 |
| Return on Equity (ROE) | 12.0124% | 1,813 |
| Retained earnings to average equity (ytd only) | 6.3773% | 2,188 |
| Net charge-offs to loans | 0.0214% | 1,841 |
| Credit loss provision to net charge-offs | -1,601.1605% | 4,016 |
| Earnings coverage of net charge-offs (x) | 109.2263% | 834 |
| Efficiency ratio | 61.1934% | 2,974 |
| Assets per employee ($millions) | 8.6235% | 1,042 |
| Cash dividends to net income (ytd only)* | 46.9108% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,770 |
| Loan loss allowance to noncurrent loans | 578.4682% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,949 |
| Noncurrent loans to loans | 0.2487% | 2,735 |
| Net loans and leases to total assets | 53.8687% | 2,869 |
| Net loans and leases to deposits | 62.6965% | 2,808 |
| Net loans and leases to core deposits | 63.4928% | 3,030 |
| Total domestic deposits to total assets | 85.9198% | 2,942 |
| Equity capital to assets | 10.7257% | 1,996 |
| Core capital (leverage) ratio | 8.6882% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7339% | 2,349 |
| Memoranda: | ||
| Average total assets | $16,162,445,600 | 115 |
| Average earning assets | $14,738,195,000 | 116 |
| Average equity | $1,768,999,000 | 124 |
| Average total loans | $9,677,394,000 | 124 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 2,566 |
| Cost of funding earning assets | 0.1102% | 4,419 |
| Net interest margin | 3.4887% | 1,898 |
| Noninterest income to average assets | 0.5953% | 2,233 |
| Noninterest expense to average assets | 2.3828% | 2,493 |
| Loan and lease loss provision to assets | -0.2345% | 4,779 |
| Net operating income to assets | 1.3114% | 1,786 |
| Return on assets (ROA) | 1.3156% | 1,830 |
| Pretax return on assets | 1.6337% | 1,599 |
| Return on Equity (ROE) | 11.9567% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.3836% | 2,659 |
| Net charge-offs to loans | 0.0324% | 1,418 |
| Credit loss provision to net charge-offs | -1,050.2312% | 3,865 |
| Earnings coverage of net charge-offs (x) | 70.3363% | 1,062 |
| Efficiency ratio | 61.9869% | 2,704 |
| Assets per employee ($millions) | 8.3955% | 1,092 |
| Cash dividends to net income (ytd only)* | 46.6109% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,601 |
| Loan loss allowance to noncurrent loans | 484.7892% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,923 |
| Noncurrent loans to loans | 0.3109% | 2,678 |
| Net loans and leases to total assets | 54.9689% | 2,855 |
| Net loans and leases to deposits | 64.0724% | 2,846 |
| Net loans and leases to core deposits | 64.9254% | 3,052 |
| Total domestic deposits to total assets | 85.7918% | 2,830 |
| Equity capital to assets | 10.7465% | 2,222 |
| Core capital (leverage) ratio | 8.7287% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7218% | 2,462 |
| Memoranda: | ||
| Average total assets | $16,003,423,000 | 117 |
| Average earning assets | $14,594,772,250 | 118 |
| Average equity | $1,760,808,000 | 125 |
| Average total loans | $9,801,430,000 | 122 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 2,673 |
| Cost of funding earning assets | 0.1182% | 4,452 |
| Net interest margin | 3.4657% | 1,959 |
| Noninterest income to average assets | 0.5849% | 2,279 |
| Noninterest expense to average assets | 2.3390% | 2,650 |
| Loan and lease loss provision to assets | -0.2470% | 4,806 |
| Net operating income to assets | 1.3332% | 1,767 |
| Return on assets (ROA) | 1.3389% | 1,824 |
| Pretax return on assets | 1.6604% | 1,588 |
| Return on Equity (ROE) | 12.0705% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.9031% | 2,465 |
| Net charge-offs to loans | 0.0629% | 985 |
| Credit loss provision to net charge-offs | -514.6730% | 3,474 |
| Earnings coverage of net charge-offs (x) | 35.4242% | 1,227 |
| Efficiency ratio | 61.2941% | 2,834 |
| Assets per employee ($millions) | 7.8416% | 1,283 |
| Cash dividends to net income (ytd only)* | 42.8104% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,517 |
| Loan loss allowance to noncurrent loans | 481.1267% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,981 |
| Noncurrent loans to loans | 0.3163% | 2,785 |
| Net loans and leases to total assets | 59.2063% | 2,522 |
| Net loans and leases to deposits | 69.6985% | 2,446 |
| Net loans and leases to core deposits | 70.7012% | 2,715 |
| Total domestic deposits to total assets | 84.9463% | 3,120 |
| Equity capital to assets | 11.0106% | 1,960 |
| Core capital (leverage) ratio | 8.7758% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6013% | 2,516 |
| Memoranda: | ||
| Average total assets | $15,794,062,667 | 118 |
| Average earning assets | $14,402,412,333 | 118 |
| Average equity | $1,751,976,333 | 125 |
| Average total loans | $9,974,552,667 | 120 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 2,916 |
| Cost of funding earning assets | 0.1318% | 4,447 |
| Net interest margin | 3.3716% | 2,183 |
| Noninterest income to average assets | 0.6133% | 2,155 |
| Noninterest expense to average assets | 2.3815% | 2,554 |
| Loan and lease loss provision to assets | -0.2372% | 4,833 |
| Net operating income to assets | 1.2478% | 1,985 |
| Return on assets (ROA) | 1.2579% | 2,028 |
| Pretax return on assets | 1.5536% | 1,847 |
| Return on Equity (ROE) | 11.2967% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.5232% | 2,720 |
| Net charge-offs to loans | 0.1264% | 575 |
| Credit loss provision to net charge-offs | -251.8809% | 3,022 |
| Earnings coverage of net charge-offs (x) | 15.9455% | 1,330 |
| Efficiency ratio | 63.4272% | 2,539 |
| Assets per employee ($millions) | 7.6999% | 1,340 |
| Cash dividends to net income (ytd only)* | 42.2553% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,428 |
| Loan loss allowance to noncurrent loans | 426.4703% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 3,002 |
| Noncurrent loans to loans | 0.3629% | 2,782 |
| Net loans and leases to total assets | 61.5973% | 2,328 |
| Net loans and leases to deposits | 72.6603% | 2,250 |
| Net loans and leases to core deposits | 73.7154% | 2,541 |
| Total domestic deposits to total assets | 84.7744% | 3,194 |
| Equity capital to assets | 10.6950% | 2,088 |
| Core capital (leverage) ratio | 8.9454% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6027% | 2,446 |
| Memoranda: | ||
| Average total assets | $15,602,497,000 | 120 |
| Average earning assets | $14,217,210,000 | 119 |
| Average equity | $1,737,360,000 | 125 |
| Average total loans | $10,098,868,000 | 120 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 2,303 |
| Cost of funding earning assets | 0.2478% | 4,385 |
| Net interest margin | 3.8961% | 1,221 |
| Noninterest income to average assets | 0.7149% | 1,813 |
| Noninterest expense to average assets | 2.6706% | 2,326 |
| Loan and lease loss provision to assets | 0.4684% | 576 |
| Net operating income to assets | 0.8823% | 2,772 |
| Return on assets (ROA) | 0.8894% | 2,878 |
| Pretax return on assets | 1.0975% | 2,700 |
| Return on Equity (ROE) | 7.1993% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.6339% | 3,538 |
| Net charge-offs to loans | 0.0544% | 2,010 |
| Credit loss provision to net charge-offs | 1,193.0472% | 687 |
| Earnings coverage of net charge-offs (x) | 39.6846% | 1,399 |
| Efficiency ratio | 61.8238% | 3,170 |
| Assets per employee ($millions) | 7.0505% | 1,548 |
| Cash dividends to net income (ytd only)* | 63.4148% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 1,150 |
| Loan loss allowance to noncurrent loans | 474.3380% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,087 |
| Noncurrent loans to loans | 0.3489% | 2,950 |
| Net loans and leases to total assets | 66.2764% | 2,060 |
| Net loans and leases to deposits | 78.5491% | 2,018 |
| Net loans and leases to core deposits | 79.7920% | 2,386 |
| Total domestic deposits to total assets | 84.3758% | 2,988 |
| Equity capital to assets | 11.6908% | 1,739 |
| Core capital (leverage) ratio | 9.2188% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3884% | 2,491 |
| Memoranda: | ||
| Average total assets | $13,599,338,200 | 124 |
| Average earning assets | $12,261,318,800 | 123 |
| Average equity | $1,680,099,200 | 126 |
| Average total loans | $9,812,571,600 | 118 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 2,269 |
| Cost of funding earning assets | 0.2774% | 4,402 |
| Net interest margin | 3.9665% | 1,190 |
| Noninterest income to average assets | 0.7383% | 1,680 |
| Noninterest expense to average assets | 2.6907% | 2,290 |
| Loan and lease loss provision to assets | 0.6465% | 371 |
| Net operating income to assets | 0.7928% | 3,117 |
| Return on assets (ROA) | 0.7995% | 3,214 |
| Pretax return on assets | 0.9803% | 3,130 |
| Return on Equity (ROE) | 6.3766% | 3,415 |
| Retained earnings to average equity (ytd only) | 1.7318% | 4,018 |
| Net charge-offs to loans | 0.0722% | 1,591 |
| Credit loss provision to net charge-offs | 1,218.1269% | 725 |
| Earnings coverage of net charge-offs (x) | 30.5187% | 1,563 |
| Efficiency ratio | 61.0753% | 3,203 |
| Assets per employee ($millions) | 6.8613% | 1,585 |
| Cash dividends to net income (ytd only)* | 72.8405% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 1,025 |
| Loan loss allowance to noncurrent loans | 492.8454% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 3,203 |
| Noncurrent loans to loans | 0.3301% | 3,099 |
| Net loans and leases to total assets | 69.6713% | 2,007 |
| Net loans and leases to deposits | 82.7718% | 2,035 |
| Net loans and leases to core deposits | 84.0863% | 2,464 |
| Total domestic deposits to total assets | 84.1728% | 2,759 |
| Equity capital to assets | 11.8663% | 1,761 |
| Core capital (leverage) ratio | 9.3059% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3399% | 2,480 |
| Memoranda: | ||
| Average total assets | $13,313,502,750 | 125 |
| Average earning assets | $11,985,868,250 | 124 |
| Average equity | $1,669,240,750 | 125 |
| Average total loans | $9,781,875,250 | 118 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 2,292 |
| Cost of funding earning assets | 0.3208% | 4,395 |
| Net interest margin | 4.0458% | 1,228 |
| Noninterest income to average assets | 0.7127% | 1,697 |
| Noninterest expense to average assets | 2.7666% | 2,172 |
| Loan and lease loss provision to assets | 0.7864% | 317 |
| Net operating income to assets | 0.6551% | 3,563 |
| Return on assets (ROA) | 0.6588% | 3,647 |
| Pretax return on assets | 0.8004% | 3,583 |
| Return on Equity (ROE) | 5.1530% | 3,789 |
| Retained earnings to average equity (ytd only) | -1.8607% | 4,576 |
| Net charge-offs to loans | 0.0677% | 1,568 |
| Credit loss provision to net charge-offs | 1,558.7336% | 586 |
| Earnings coverage of net charge-offs (x) | 31.3854% | 1,397 |
| Efficiency ratio | 62.1973% | 3,096 |
| Assets per employee ($millions) | 6.6848% | 1,650 |
| Cash dividends to net income (ytd only)* | 136.1094% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,304 |
| Loan loss allowance to noncurrent loans | 422.9669% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 3,223 |
| Noncurrent loans to loans | 0.3510% | 3,139 |
| Net loans and leases to total assets | 72.3167% | 1,650 |
| Net loans and leases to deposits | 85.9164% | 1,774 |
| Net loans and leases to core deposits | 88.1789% | 2,227 |
| Total domestic deposits to total assets | 84.1710% | 2,693 |
| Equity capital to assets | 11.8191% | 1,773 |
| Core capital (leverage) ratio | 9.4743% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7292% | 2,722 |
| Memoranda: | ||
| Average total assets | $12,968,996,333 | 126 |
| Average earning assets | $11,655,551,000 | 127 |
| Average equity | $1,658,169,667 | 124 |
| Average total loans | $9,655,471,333 | 116 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,911 |
| Cost of funding earning assets | 0.3908% | 4,390 |
| Net interest margin | 4.2402% | 848 |
| Noninterest income to average assets | 0.6017% | 2,032 |
| Noninterest expense to average assets | 2.9783% | 1,935 |
| Loan and lease loss provision to assets | 0.7014% | 376 |
| Net operating income to assets | 0.5887% | 3,630 |
| Return on assets (ROA) | 0.5907% | 3,679 |
| Pretax return on assets | 0.7248% | 3,612 |
| Return on Equity (ROE) | 4.4294% | 3,840 |
| Retained earnings to average equity (ytd only) | -6.6857% | 4,627 |
| Net charge-offs to loans | -0.0172% | 4,280 |
| Credit loss provision to net charge-offs | -5,412.4688% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1915% | 2,932 |
| Assets per employee ($millions) | 5.8504% | 1,796 |
| Cash dividends to net income (ytd only)* | 250.9395% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,770 |
| Loan loss allowance to noncurrent loans | 299.6915% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 2,996 |
| Noncurrent loans to loans | 0.4609% | 2,875 |
| Net loans and leases to total assets | 73.2935% | 1,727 |
| Net loans and leases to deposits | 89.5404% | 1,562 |
| Net loans and leases to core deposits | 93.5733% | 2,011 |
| Total domestic deposits to total assets | 81.8552% | 3,456 |
| Equity capital to assets | 13.2071% | 1,336 |
| Core capital (leverage) ratio | 10.1831% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5879% | 2,894 |
| Memoranda: | ||
| Average total assets | $12,397,651,500 | 127 |
| Average earning assets | $11,111,546,500 | 127 |
| Average equity | $1,653,320,500 | 125 |
| Average total loans | $9,303,758,000 | 120 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 1,838 |
| Cost of funding earning assets | 0.4738% | 4,196 |
| Net interest margin | 4.3988% | 894 |
| Noninterest income to average assets | 0.6860% | 1,861 |
| Noninterest expense to average assets | 2.9547% | 2,134 |
| Loan and lease loss provision to assets | 0.0837% | 2,334 |
| Net operating income to assets | 1.2717% | 1,795 |
| Return on assets (ROA) | 1.2723% | 1,876 |
| Pretax return on assets | 1.5967% | 1,493 |
| Return on Equity (ROE) | 9.5690% | 2,490 |
| Retained earnings to average equity (ytd only) | 2.0935% | 3,952 |
| Net charge-offs to loans | 0.0659% | 2,148 |
| Credit loss provision to net charge-offs | 168.7865% | 1,537 |
| Earnings coverage of net charge-offs (x) | 33.8891% | 1,460 |
| Efficiency ratio | 62.2597% | 3,338 |
| Assets per employee ($millions) | 5.7258% | 1,860 |
| Cash dividends to net income (ytd only)* | 78.1216% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,207 |
| Loan loss allowance to noncurrent loans | 250.5121% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 3,120 |
| Noncurrent loans to loans | 0.4199% | 2,938 |
| Net loans and leases to total assets | 74.9829% | 1,588 |
| Net loans and leases to deposits | 93.7485% | 1,181 |
| Net loans and leases to core deposits | 97.5393% | 1,770 |
| Total domestic deposits to total assets | 79.9831% | 3,979 |
| Equity capital to assets | 13.4664% | 1,291 |
| Core capital (leverage) ratio | 10.4492% | 3,004 |
| Tier 1 risk-based capital ratio | 11.5961% | 4,578 |
| Total risk-based capital ratio | 12.5533% | 4,619 |
| Memoranda: | ||
| Average total assets | $11,739,130,200 | 125 |
| Average earning assets | $10,536,902,000 | 124 |
| Average equity | $1,560,802,400 | 126 |
| Average total loans | $8,831,211,200 | 121 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 1,809 |
| Cost of funding earning assets | 0.4818% | 4,215 |
| Net interest margin | 4.4213% | 904 |
| Noninterest income to average assets | 0.6956% | 1,805 |
| Noninterest expense to average assets | 2.9432% | 2,118 |
| Loan and lease loss provision to assets | 0.0674% | 2,536 |
| Net operating income to assets | 1.3269% | 1,743 |
| Return on assets (ROA) | 1.3271% | 1,810 |
| Pretax return on assets | 1.6565% | 1,450 |
| Return on Equity (ROE) | 10.0158% | 2,419 |
| Retained earnings to average equity (ytd only) | 1.3640% | 4,469 |
| Net charge-offs to loans | 0.0700% | 1,824 |
| Credit loss provision to net charge-offs | 128.2247% | 1,847 |
| Earnings coverage of net charge-offs (x) | 32.7801% | 1,545 |
| Efficiency ratio | 61.5654% | 3,393 |
| Assets per employee ($millions) | 5.5556% | 1,977 |
| Cash dividends to net income (ytd only)* | 86.3818% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,160 |
| Loan loss allowance to noncurrent loans | 529.8183% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 3,966 |
| Noncurrent loans to loans | 0.2025% | 3,819 |
| Net loans and leases to total assets | 74.5595% | 1,710 |
| Net loans and leases to deposits | 92.4669% | 1,376 |
| Net loans and leases to core deposits | 97.3365% | 1,869 |
| Total domestic deposits to total assets | 80.6337% | 3,842 |
| Equity capital to assets | 13.1964% | 1,514 |
| Core capital (leverage) ratio | 10.2139% | 3,408 |
| Tier 1 risk-based capital ratio | 11.5750% | 4,636 |
| Total risk-based capital ratio | 12.5606% | 4,659 |
| Memoranda: | ||
| Average total assets | $11,597,732,250 | 128 |
| Average earning assets | $10,417,129,000 | 126 |
| Average equity | $1,536,752,750 | 127 |
| Average total loans | $8,707,885,000 | 123 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 1,709 |
| Cost of funding earning assets | 0.4729% | 4,236 |
| Net interest margin | 4.4423% | 869 |
| Noninterest income to average assets | 0.6932% | 1,745 |
| Noninterest expense to average assets | 2.9709% | 2,084 |
| Loan and lease loss provision to assets | 0.0678% | 2,455 |
| Net operating income to assets | 1.3018% | 1,765 |
| Return on assets (ROA) | 1.3021% | 1,826 |
| Pretax return on assets | 1.6482% | 1,399 |
| Return on Equity (ROE) | 9.8132% | 2,476 |
| Retained earnings to average equity (ytd only) | 0.9855% | 4,438 |
| Net charge-offs to loans | 0.0492% | 1,943 |
| Credit loss provision to net charge-offs | 183.7406% | 1,298 |
| Earnings coverage of net charge-offs (x) | 46.4854% | 1,150 |
| Efficiency ratio | 61.8741% | 3,452 |
| Assets per employee ($millions) | 5.5041% | 1,965 |
| Cash dividends to net income (ytd only)* | 89.9574% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,075 |
| Loan loss allowance to noncurrent loans | 552.1804% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 3,903 |
| Noncurrent loans to loans | 0.1989% | 3,836 |
| Net loans and leases to total assets | 74.6684% | 1,773 |
| Net loans and leases to deposits | 94.9748% | 1,152 |
| Net loans and leases to core deposits | 98.3816% | 1,861 |
| Total domestic deposits to total assets | 78.6192% | 4,294 |
| Equity capital to assets | 13.3571% | 1,401 |
| Core capital (leverage) ratio | 10.2964% | 3,292 |
| Tier 1 risk-based capital ratio | 11.6825% | 4,585 |
| Total risk-based capital ratio | 12.6931% | 4,603 |
| Memoranda: | ||
| Average total assets | $11,532,121,670 | 130 |
| Average earning assets | $10,366,339,330 | 128 |
| Average equity | $1,530,184,000 | 127 |
| Average total loans | $8,647,403,670 | 124 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 1,567 |
| Cost of funding earning assets | 0.4682% | 4,212 |
| Net interest margin | 4.4398% | 827 |
| Noninterest income to average assets | 0.6155% | 1,972 |
| Noninterest expense to average assets | 3.0366% | 1,887 |
| Loan and lease loss provision to assets | 0.0679% | 2,313 |
| Net operating income to assets | 1.1931% | 2,087 |
| Return on assets (ROA) | 1.1950% | 2,123 |
| Pretax return on assets | 1.5025% | 1,760 |
| Return on Equity (ROE) | 9.0362% | 2,793 |
| Retained earnings to average equity (ytd only) | 4.5182% | 3,116 |
| Net charge-offs to loans | 0.0548% | 1,501 |
| Credit loss provision to net charge-offs | 165.6780% | 1,176 |
| Earnings coverage of net charge-offs (x) | 38.2669% | 1,178 |
| Efficiency ratio | 64.3989% | 3,175 |
| Assets per employee ($millions) | 5.4826% | 1,996 |
| Cash dividends to net income (ytd only)* | 49.9985% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,071 |
| Loan loss allowance to noncurrent loans | 490.3883% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,860 |
| Noncurrent loans to loans | 0.2263% | 3,770 |
| Net loans and leases to total assets | 73.8036% | 1,843 |
| Net loans and leases to deposits | 92.1274% | 1,387 |
| Net loans and leases to core deposits | 96.4484% | 1,896 |
| Total domestic deposits to total assets | 80.1104% | 4,158 |
| Equity capital to assets | 13.4304% | 1,238 |
| Core capital (leverage) ratio | 10.2286% | 3,353 |
| Tier 1 risk-based capital ratio | 11.8751% | 4,528 |
| Total risk-based capital ratio | 12.8912% | 4,540 |
| Memoranda: | ||
| Average total assets | $11,518,904,000 | 130 |
| Average earning assets | $10,349,474,000 | 130 |
| Average equity | $1,523,333,500 | 128 |
| Average total loans | $8,607,882,000 | 124 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 1,395 |
| Cost of funding earning assets | 0.2830% | 4,647 |
| Net interest margin | 4.5763% | 638 |
| Noninterest income to average assets | 0.8061% | 1,427 |
| Noninterest expense to average assets | 3.2048% | 1,538 |
| Loan and lease loss provision to assets | 0.0818% | 2,493 |
| Net operating income to assets | 1.3684% | 1,538 |
| Return on assets (ROA) | 1.3619% | 1,552 |
| Pretax return on assets | 1.6525% | 1,304 |
| Return on Equity (ROE) | 10.4614% | 2,312 |
| Retained earnings to average equity (ytd only) | 2.4652% | 4,156 |
| Net charge-offs to loans | 0.0132% | 3,238 |
| Credit loss provision to net charge-offs | 819.6881% | 441 |
| Earnings coverage of net charge-offs (x) | 174.5136% | 503 |
| Efficiency ratio | 63.5927% | 3,249 |
| Assets per employee ($millions) | 5.4298% | 2,029 |
| Cash dividends to net income (ytd only)* | 76.4357% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,194 |
| Loan loss allowance to noncurrent loans | 594.6710% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,030 |
| Noncurrent loans to loans | 0.1825% | 3,932 |
| Net loans and leases to total assets | 74.0647% | 1,927 |
| Net loans and leases to deposits | 92.4791% | 1,478 |
| Net loans and leases to core deposits | 98.3108% | 1,848 |
| Total domestic deposits to total assets | 80.0880% | 4,086 |
| Equity capital to assets | 12.9590% | 1,365 |
| Core capital (leverage) ratio | 10.5017% | 3,026 |
| Tier 1 risk-based capital ratio | 11.5108% | 4,724 |
| Total risk-based capital ratio | 12.5036% | 4,752 |
| Memoranda: | ||
| Average total assets | $10,276,876,400 | 133 |
| Average earning assets | $9,299,256,400 | 131 |
| Average equity | $1,337,884,200 | 137 |
| Average total loans | $7,784,254,600 | 127 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 1,357 |
| Cost of funding earning assets | 0.2475% | 4,801 |
| Net interest margin | 4.5785% | 623 |
| Noninterest income to average assets | 0.8313% | 1,374 |
| Noninterest expense to average assets | 3.1879% | 1,552 |
| Loan and lease loss provision to assets | 0.0792% | 2,370 |
| Net operating income to assets | 1.3608% | 1,616 |
| Return on assets (ROA) | 1.3621% | 1,617 |
| Pretax return on assets | 1.7138% | 1,242 |
| Return on Equity (ROE) | 10.4494% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.2854% | 4,475 |
| Net charge-offs to loans | -0.0043% | 4,198 |
| Credit loss provision to net charge-offs | -2,442.1488% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9177% | 3,352 |
| Assets per employee ($millions) | 5.1670% | 2,253 |
| Cash dividends to net income (ytd only)* | 78.1289% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,599 |
| Loan loss allowance to noncurrent loans | 579.7365% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 4,156 |
| Noncurrent loans to loans | 0.2076% | 3,969 |
| Net loans and leases to total assets | 74.6334% | 1,882 |
| Net loans and leases to deposits | 90.0147% | 1,894 |
| Net loans and leases to core deposits | 95.3597% | 2,179 |
| Total domestic deposits to total assets | 82.9125% | 3,338 |
| Equity capital to assets | 12.7063% | 1,467 |
| Core capital (leverage) ratio | 10.4938% | 3,090 |
| Tier 1 risk-based capital ratio | 11.9338% | 4,536 |
| Total risk-based capital ratio | 13.0286% | 4,507 |
| Memoranda: | ||
| Average total assets | $9,951,992,250 | 134 |
| Average earning assets | $9,016,080,250 | 133 |
| Average equity | $1,297,307,750 | 137 |
| Average total loans | $7,563,291,750 | 132 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 1,402 |
| Cost of funding earning assets | 0.2200% | 4,921 |
| Net interest margin | 4.5221% | 668 |
| Noninterest income to average assets | 0.8523% | 1,312 |
| Noninterest expense to average assets | 3.2394% | 1,454 |
| Loan and lease loss provision to assets | 0.0793% | 2,320 |
| Net operating income to assets | 1.2758% | 1,877 |
| Return on assets (ROA) | 1.2785% | 1,868 |
| Pretax return on assets | 1.6296% | 1,402 |
| Return on Equity (ROE) | 9.7233% | 2,699 |
| Retained earnings to average equity (ytd only) | 0.4525% | 4,874 |
| Net charge-offs to loans | -0.0227% | 4,621 |
| Credit loss provision to net charge-offs | -457.8454% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3772% | 3,271 |
| Assets per employee ($millions) | 5.2359% | 2,158 |
| Cash dividends to net income (ytd only)* | 95.3464% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,673 |
| Loan loss allowance to noncurrent loans | 574.5853% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 4,171 |
| Noncurrent loans to loans | 0.2100% | 3,971 |
| Net loans and leases to total assets | 74.2183% | 1,911 |
| Net loans and leases to deposits | 90.0624% | 1,835 |
| Net loans and leases to core deposits | 94.8303% | 2,151 |
| Total domestic deposits to total assets | 82.4076% | 3,589 |
| Equity capital to assets | 12.7402% | 1,424 |
| Core capital (leverage) ratio | 10.3082% | 3,231 |
| Tier 1 risk-based capital ratio | 11.9746% | 4,515 |
| Total risk-based capital ratio | 13.0825% | 4,483 |
| Memoranda: | ||
| Average total assets | $9,865,959,670 | 134 |
| Average earning assets | $8,928,787,670 | 131 |
| Average equity | $1,297,302,670 | 135 |
| Average total loans | $7,513,397,330 | 130 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,488 |
| Cost of funding earning assets | 0.1841% | 5,104 |
| Net interest margin | 4.4460% | 690 |
| Noninterest income to average assets | 0.8595% | 1,264 |
| Noninterest expense to average assets | 3.2443% | 1,469 |
| Loan and lease loss provision to assets | 0.0796% | 2,188 |
| Net operating income to assets | 1.2207% | 1,922 |
| Return on assets (ROA) | 1.2185% | 1,940 |
| Pretax return on assets | 1.5536% | 1,517 |
| Return on Equity (ROE) | 9.1200% | 2,849 |
| Retained earnings to average equity (ytd only) | 5.5597% | 2,924 |
| Net charge-offs to loans | -0.0635% | 5,070 |
| Credit loss provision to net charge-offs | -163.4372% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3185% | 3,276 |
| Assets per employee ($millions) | 4.9138% | 2,586 |
| Cash dividends to net income (ytd only)* | 39.0388% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,828 |
| Loan loss allowance to noncurrent loans | 396.5998% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 3,955 |
| Noncurrent loans to loans | 0.3015% | 3,688 |
| Net loans and leases to total assets | 73.9872% | 1,856 |
| Net loans and leases to deposits | 89.1044% | 1,798 |
| Net loans and leases to core deposits | 92.6279% | 2,249 |
| Total domestic deposits to total assets | 83.0343% | 3,655 |
| Equity capital to assets | 13.0310% | 1,229 |
| Core capital (leverage) ratio | 10.7949% | 2,636 |
| Tier 1 risk-based capital ratio | 11.8472% | 4,652 |
| Total risk-based capital ratio | 12.9118% | 4,656 |
| Memoranda: | ||
| Average total assets | $9,754,164,000 | 134 |
| Average earning assets | $8,820,716,000 | 132 |
| Average equity | $1,303,241,000 | 133 |
| Average total loans | $7,480,225,000 | 129 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 1,522 |
| Cost of funding earning assets | 0.1629% | 5,193 |
| Net interest margin | 4.4028% | 760 |
| Noninterest income to average assets | 1.0281% | 965 |
| Noninterest expense to average assets | 3.2757% | 1,422 |
| Loan and lease loss provision to assets | 0.0793% | 2,605 |
| Net operating income to assets | 0.6748% | 3,707 |
| Return on assets (ROA) | 0.6610% | 3,818 |
| Pretax return on assets | 1.6108% | 1,260 |
| Return on Equity (ROE) | 4.9855% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.9934% | 4,126 |
| Net charge-offs to loans | 0.0667% | 2,516 |
| Credit loss provision to net charge-offs | 155.7295% | 1,719 |
| Earnings coverage of net charge-offs (x) | 33.5958% | 1,428 |
| Efficiency ratio | 64.3980% | 3,551 |
| Assets per employee ($millions) | 4.6719% | 2,907 |
| Cash dividends to net income (ytd only)* | 60.0158% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,990 |
| Loan loss allowance to noncurrent loans | 317.2791% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 3,718 |
| Noncurrent loans to loans | 0.3667% | 3,446 |
| Net loans and leases to total assets | 77.6824% | 1,322 |
| Net loans and leases to deposits | 92.2599% | 1,486 |
| Net loans and leases to core deposits | 94.6850% | 2,137 |
| Total domestic deposits to total assets | 84.1995% | 3,124 |
| Equity capital to assets | 13.7099% | 985 |
| Core capital (leverage) ratio | 10.5277% | 2,816 |
| Tier 1 risk-based capital ratio | 11.7926% | 4,663 |
| Total risk-based capital ratio | 12.8299% | 4,696 |
| Memoranda: | ||
| Average total assets | $9,779,882,200 | 126 |
| Average earning assets | $8,794,992,600 | 127 |
| Average equity | $1,296,631,000 | 124 |
| Average total loans | $7,474,476,000 | 121 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 1,560 |
| Cost of funding earning assets | 0.1568% | 5,274 |
| Net interest margin | 4.3728% | 776 |
| Noninterest income to average assets | 0.8963% | 1,281 |
| Noninterest expense to average assets | 3.2065% | 1,542 |
| Loan and lease loss provision to assets | 0.0785% | 2,515 |
| Net operating income to assets | 1.0476% | 2,339 |
| Return on assets (ROA) | 1.0498% | 2,371 |
| Pretax return on assets | 1.5441% | 1,599 |
| Return on Equity (ROE) | 7.9832% | 3,129 |
| Retained earnings to average equity (ytd only) | 3.9916% | 3,552 |
| Net charge-offs to loans | 0.0519% | 2,403 |
| Credit loss provision to net charge-offs | 199.4160% | 1,353 |
| Earnings coverage of net charge-offs (x) | 41.1229% | 1,273 |
| Efficiency ratio | 65.0985% | 3,359 |
| Assets per employee ($millions) | 4.9159% | 2,559 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,290 |
| Loan loss allowance to noncurrent loans | 279.9407% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 3,783 |
| Noncurrent loans to loans | 0.4049% | 3,489 |
| Net loans and leases to total assets | 74.5556% | 1,829 |
| Net loans and leases to deposits | 90.6031% | 1,736 |
| Net loans and leases to core deposits | 94.2241% | 2,257 |
| Total domestic deposits to total assets | 82.2881% | 3,686 |
| Equity capital to assets | 12.9650% | 1,401 |
| Core capital (leverage) ratio | 10.2992% | 3,203 |
| Tier 1 risk-based capital ratio | 11.1465% | 5,163 |
| Total risk-based capital ratio | 12.1413% | 5,195 |
| Memoranda: | ||
| Average total assets | $9,855,019,250 | 124 |
| Average earning assets | $8,856,364,000 | 125 |
| Average equity | $1,295,886,750 | 123 |
| Average total loans | $7,480,480,000 | 120 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 1,434 |
| Cost of funding earning assets | 0.1509% | 5,330 |
| Net interest margin | 4.3808% | 726 |
| Noninterest income to average assets | 0.9442% | 1,142 |
| Noninterest expense to average assets | 3.2138% | 1,548 |
| Loan and lease loss provision to assets | 0.0789% | 2,407 |
| Net operating income to assets | 1.0590% | 2,169 |
| Return on assets (ROA) | 1.0585% | 2,211 |
| Pretax return on assets | 1.5819% | 1,399 |
| Return on Equity (ROE) | 8.0105% | 3,028 |
| Retained earnings to average equity (ytd only) | 4.0053% | 3,326 |
| Net charge-offs to loans | 0.0383% | 2,437 |
| Credit loss provision to net charge-offs | 270.7454% | 1,029 |
| Earnings coverage of net charge-offs (x) | 56.9951% | 985 |
| Efficiency ratio | 64.5510% | 3,582 |
| Assets per employee ($millions) | 4.8353% | 2,602 |
| Cash dividends to net income (ytd only)* | 49.9990% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 3,235 |
| Loan loss allowance to noncurrent loans | 384.3907% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 4,123 |
| Noncurrent loans to loans | 0.3024% | 3,956 |
| Net loans and leases to total assets | 73.9623% | 1,875 |
| Net loans and leases to deposits | 87.9890% | 1,984 |
| Net loans and leases to core deposits | 92.4344% | 2,299 |
| Total domestic deposits to total assets | 84.0586% | 3,172 |
| Equity capital to assets | 13.1325% | 1,311 |
| Core capital (leverage) ratio | 10.3156% | 3,123 |
| Tier 1 risk-based capital ratio | 11.2901% | 5,094 |
| Total risk-based capital ratio | 12.3075% | 5,120 |
| Memoranda: | ||
| Average total assets | $9,754,600,670 | 124 |
| Average earning assets | $8,753,599,670 | 129 |
| Average equity | $1,288,927,670 | 122 |
| Average total loans | $7,421,014,330 | 119 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,477 |
| Cost of funding earning assets | 0.1432% | 5,418 |
| Net interest margin | 4.3141% | 757 |
| Noninterest income to average assets | 0.9308% | 1,164 |
| Noninterest expense to average assets | 3.1822% | 1,659 |
| Loan and lease loss provision to assets | 0.0790% | 2,231 |
| Net operating income to assets | 1.0262% | 2,188 |
| Return on assets (ROA) | 1.0266% | 2,239 |
| Pretax return on assets | 1.5354% | 1,425 |
| Return on Equity (ROE) | 7.7446% | 3,044 |
| Retained earnings to average equity (ytd only) | 3.8724% | 3,518 |
| Net charge-offs to loans | 0.0798% | 1,538 |
| Credit loss provision to net charge-offs | 129.1413% | 1,319 |
| Earnings coverage of net charge-offs (x) | 26.3759% | 1,308 |
| Efficiency ratio | 64.9486% | 3,671 |
| Assets per employee ($millions) | 5.0260% | 2,407 |
| Cash dividends to net income (ytd only)* | 49.9980% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,406 |
| Loan loss allowance to noncurrent loans | 463.9729% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 4,355 |
| Noncurrent loans to loans | 0.2482% | 4,216 |
| Net loans and leases to total assets | 73.8200% | 1,774 |
| Net loans and leases to deposits | 87.3379% | 1,879 |
| Net loans and leases to core deposits | 90.8063% | 2,286 |
| Total domestic deposits to total assets | 84.5223% | 3,289 |
| Equity capital to assets | 13.1406% | 1,205 |
| Core capital (leverage) ratio | 10.2879% | 3,126 |
| Tier 1 risk-based capital ratio | 11.1503% | 5,230 |
| Total risk-based capital ratio | 12.1513% | 5,284 |
| Memoranda: | ||
| Average total assets | $9,668,440,500 | 123 |
| Average earning assets | $8,662,578,000 | 128 |
| Average equity | $1,281,567,500 | 121 |
| Average total loans | $7,417,262,000 | 119 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,660 |
| Cost of funding earning assets | 0.1428% | 5,468 |
| Net interest margin | 4.3145% | 912 |
| Noninterest income to average assets | 0.8974% | 1,421 |
| Noninterest expense to average assets | 3.2966% | 1,583 |
| Loan and lease loss provision to assets | 0.0627% | 3,123 |
| Net operating income to assets | 0.9196% | 2,724 |
| Return on assets (ROA) | 0.9216% | 2,834 |
| Pretax return on assets | 1.4050% | 1,922 |
| Return on Equity (ROE) | 6.7699% | 3,603 |
| Retained earnings to average equity (ytd only) | -0.4633% | 5,375 |
| Net charge-offs to loans | -0.0292% | 5,234 |
| Credit loss provision to net charge-offs | -281.8096% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6854% | 3,308 |
| Assets per employee ($millions) | 4.6998% | 2,787 |
| Cash dividends to net income (ytd only)* | 106.8442% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,616 |
| Loan loss allowance to noncurrent loans | 367.6393% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,970 |
| Noncurrent loans to loans | 0.3038% | 4,050 |
| Net loans and leases to total assets | 77.9306% | 1,205 |
| Net loans and leases to deposits | 93.0406% | 1,294 |
| Net loans and leases to core deposits | 95.2652% | 1,984 |
| Total domestic deposits to total assets | 83.7597% | 3,517 |
| Equity capital to assets | 13.3730% | 1,101 |
| Core capital (leverage) ratio | 10.3401% | 3,057 |
| Tier 1 risk-based capital ratio | 10.7770% | 5,449 |
| Total risk-based capital ratio | 11.7635% | 5,499 |
| Memoranda: | ||
| Average total assets | $9,544,071,800 | 120 |
| Average earning assets | $8,546,952,600 | 121 |
| Average equity | $1,299,250,200 | 113 |
| Average total loans | $7,263,789,400 | 116 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 1,846 |
| Cost of funding earning assets | 0.1480% | 5,498 |
| Net interest margin | 4.2577% | 1,011 |
| Noninterest income to average assets | 0.9054% | 1,390 |
| Noninterest expense to average assets | 3.3005% | 1,564 |
| Loan and lease loss provision to assets | 0.0556% | 3,137 |
| Net operating income to assets | 0.9076% | 2,860 |
| Return on assets (ROA) | 0.9109% | 2,980 |
| Pretax return on assets | 1.3677% | 2,163 |
| Return on Equity (ROE) | 6.6621% | 3,747 |
| Retained earnings to average equity (ytd only) | 3.3311% | 3,902 |
| Net charge-offs to loans | -0.0408% | 5,293 |
| Credit loss provision to net charge-offs | -180.7448% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3623% | 3,167 |
| Assets per employee ($millions) | 4.7153% | 2,721 |
| Cash dividends to net income (ytd only)* | 49.9992% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,742 |
| Loan loss allowance to noncurrent loans | 309.2524% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 4,101 |
| Noncurrent loans to loans | 0.3616% | 3,961 |
| Net loans and leases to total assets | 75.8492% | 1,548 |
| Net loans and leases to deposits | 91.5708% | 1,557 |
| Net loans and leases to core deposits | 94.1546% | 2,186 |
| Total domestic deposits to total assets | 82.8312% | 3,654 |
| Equity capital to assets | 13.8565% | 1,095 |
| Core capital (leverage) ratio | 10.6919% | 2,794 |
| Tier 1 risk-based capital ratio | 11.4921% | 5,090 |
| Total risk-based capital ratio | 12.4864% | 5,140 |
| Memoranda: | ||
| Average total assets | $9,547,276,750 | 117 |
| Average earning assets | $8,551,177,000 | 120 |
| Average equity | $1,305,408,250 | 110 |
| Average total loans | $7,201,819,500 | 117 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 1,870 |
| Cost of funding earning assets | 0.1498% | 5,550 |
| Net interest margin | 4.2352% | 1,047 |
| Noninterest income to average assets | 0.8652% | 1,493 |
| Noninterest expense to average assets | 3.3442% | 1,499 |
| Loan and lease loss provision to assets | 0.0419% | 3,312 |
| Net operating income to assets | 0.8481% | 3,105 |
| Return on assets (ROA) | 0.8430% | 3,251 |
| Pretax return on assets | 1.2647% | 2,543 |
| Return on Equity (ROE) | 6.1933% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.0968% | 3,931 |
| Net charge-offs to loans | -0.0364% | 5,223 |
| Credit loss provision to net charge-offs | -153.4919% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1628% | 2,951 |
| Assets per employee ($millions) | 4.7738% | 2,600 |
| Cash dividends to net income (ytd only)* | 49.9975% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,988 |
| Loan loss allowance to noncurrent loans | 325.4752% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 4,250 |
| Noncurrent loans to loans | 0.3353% | 4,162 |
| Net loans and leases to total assets | 74.4267% | 1,747 |
| Net loans and leases to deposits | 92.5632% | 1,445 |
| Net loans and leases to core deposits | 95.7863% | 1,995 |
| Total domestic deposits to total assets | 80.4064% | 4,450 |
| Equity capital to assets | 13.6525% | 1,161 |
| Core capital (leverage) ratio | 10.5607% | 2,893 |
| Tier 1 risk-based capital ratio | 11.5024% | 5,152 |
| Total risk-based capital ratio | 12.4808% | 5,211 |
| Memoranda: | ||
| Average total assets | $9,543,754,670 | 117 |
| Average earning assets | $8,547,739,330 | 118 |
| Average equity | $1,299,083,330 | 110 |
| Average total loans | $7,158,579,670 | 116 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 1,928 |
| Cost of funding earning assets | 0.1529% | 5,587 |
| Net interest margin | 4.2078% | 1,081 |
| Noninterest income to average assets | 0.8396% | 1,475 |
| Noninterest expense to average assets | 3.4576% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7690% | 3,401 |
| Return on assets (ROA) | 0.7696% | 3,503 |
| Pretax return on assets | 1.1508% | 2,888 |
| Return on Equity (ROE) | 5.6622% | 4,148 |
| Retained earnings to average equity (ytd only) | 2.2224% | 4,369 |
| Net charge-offs to loans | -0.0105% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3899% | 2,579 |
| Assets per employee ($millions) | 4.6783% | 2,782 |
| Cash dividends to net income (ytd only)* | 60.7497% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,179 |
| Loan loss allowance to noncurrent loans | 432.2016% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 4,516 |
| Noncurrent loans to loans | 0.2494% | 4,539 |
| Net loans and leases to total assets | 73.6148% | 1,796 |
| Net loans and leases to deposits | 88.6640% | 1,740 |
| Net loans and leases to core deposits | 92.2615% | 2,162 |
| Total domestic deposits to total assets | 83.0267% | 3,884 |
| Equity capital to assets | 13.7102% | 1,083 |
| Core capital (leverage) ratio | 10.4188% | 3,055 |
| Tier 1 risk-based capital ratio | 11.6046% | 5,169 |
| Total risk-based capital ratio | 12.5724% | 5,237 |
| Memoranda: | ||
| Average total assets | $9,498,833,000 | 119 |
| Average earning assets | $8,505,986,000 | 118 |
| Average equity | $1,291,010,500 | 111 |
| Average total loans | $7,113,330,000 | 115 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 1,326 |
| Cost of funding earning assets | 0.1636% | 5,581 |
| Net interest margin | 4.4383% | 733 |
| Noninterest income to average assets | 1.1012% | 969 |
| Noninterest expense to average assets | 3.8633% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8701% | 3,017 |
| Return on assets (ROA) | 0.8718% | 3,095 |
| Pretax return on assets | 1.3053% | 2,263 |
| Return on Equity (ROE) | 6.6178% | 3,719 |
| Retained earnings to average equity (ytd only) | -15.4495% | 6,091 |
| Net charge-offs to loans | -0.0465% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7873% | 2,616 |
| Assets per employee ($millions) | 4.7336% | 2,685 |
| Cash dividends to net income (ytd only)* | 333.4535% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,276 |
| Loan loss allowance to noncurrent loans | 504.4384% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 4,473 |
| Noncurrent loans to loans | 0.2094% | 4,666 |
| Net loans and leases to total assets | 74.5573% | 1,638 |
| Net loans and leases to deposits | 90.0664% | 1,604 |
| Net loans and leases to core deposits | 94.1250% | 2,038 |
| Total domestic deposits to total assets | 82.7804% | 3,914 |
| Equity capital to assets | 13.4729% | 1,139 |
| Core capital (leverage) ratio | 10.2297% | 3,223 |
| Tier 1 risk-based capital ratio | 11.6384% | 5,172 |
| Total risk-based capital ratio | 12.6143% | 5,228 |
| Memoranda: | ||
| Average total assets | $5,792,433,200 | 177 |
| Average earning assets | $5,305,014,600 | 172 |
| Average equity | $763,094,800 | 161 |
| Average total loans | $4,601,805,800 | 163 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 1,746 |
| Cost of funding earning assets | 0.1547% | 5,747 |
| Net interest margin | 4.2983% | 959 |
| Noninterest income to average assets | 1.2129% | 817 |
| Noninterest expense to average assets | 3.5668% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0846% | 2,078 |
| Return on assets (ROA) | 1.0874% | 2,148 |
| Pretax return on assets | 1.6298% | 1,296 |
| Return on Equity (ROE) | 8.3467% | 2,907 |
| Retained earnings to average equity (ytd only) | 2.2038% | 4,778 |
| Net charge-offs to loans | -0.0470% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1226% | 3,514 |
| Assets per employee ($millions) | 4.2484% | 3,428 |
| Cash dividends to net income (ytd only)* | 73.5971% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 1,284 |
| Loan loss allowance to noncurrent loans | 501.6910% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 4,098 |
| Noncurrent loans to loans | 0.3572% | 4,333 |
| Net loans and leases to total assets | 81.4389% | 648 |
| Net loans and leases to deposits | 97.4722% | 869 |
| Net loans and leases to core deposits | 100.5642% | 1,469 |
| Total domestic deposits to total assets | 83.5509% | 3,589 |
| Equity capital to assets | 13.0123% | 1,438 |
| Core capital (leverage) ratio | 12.6682% | 1,337 |
| Tier 1 risk-based capital ratio | 12.9848% | 4,431 |
| Total risk-based capital ratio | 14.2387% | 4,359 |
| Memoranda: | ||
| Average total assets | $4,859,536,750 | 197 |
| Average earning assets | $4,499,096,250 | 192 |
| Average equity | $633,078,000 | 181 |
| Average total loans | $3,958,092,000 | 181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,781 |
| Cost of funding earning assets | 0.1572% | 5,801 |
| Net interest margin | 4.2636% | 990 |
| Noninterest income to average assets | 1.2441% | 784 |
| Noninterest expense to average assets | 3.5546% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0843% | 1,998 |
| Return on assets (ROA) | 1.0885% | 2,084 |
| Pretax return on assets | 1.6403% | 1,221 |
| Return on Equity (ROE) | 8.3519% | 2,874 |
| Retained earnings to average equity (ytd only) | 1.7209% | 4,837 |
| Net charge-offs to loans | -0.0732% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8710% | 3,688 |
| Assets per employee ($millions) | 4.1736% | 3,521 |
| Cash dividends to net income (ytd only)* | 79.3946% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 1,271 |
| Loan loss allowance to noncurrent loans | 345.4161% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 3,740 |
| Noncurrent loans to loans | 0.5350% | 3,852 |
| Net loans and leases to total assets | 80.7056% | 708 |
| Net loans and leases to deposits | 96.5869% | 901 |
| Net loans and leases to core deposits | 99.9503% | 1,496 |
| Total domestic deposits to total assets | 83.5576% | 3,738 |
| Equity capital to assets | 13.1839% | 1,309 |
| Core capital (leverage) ratio | 12.7547% | 1,275 |
| Tier 1 risk-based capital ratio | 13.5873% | 4,167 |
| Total risk-based capital ratio | 14.8424% | 4,097 |
| Memoranda: | ||
| Average total assets | $4,795,591,330 | 202 |
| Average earning assets | $4,436,516,000 | 198 |
| Average equity | $625,004,000 | 182 |
| Average total loans | $3,881,173,330 | 183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,226 |
| Cost of funding earning assets | 0.1585% | 5,859 |
| Net interest margin | 4.1034% | 1,264 |
| Noninterest income to average assets | 1.1660% | 841 |
| Noninterest expense to average assets | 3.3675% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0486% | 2,040 |
| Return on assets (ROA) | 1.0560% | 2,143 |
| Pretax return on assets | 1.6063% | 1,257 |
| Return on Equity (ROE) | 8.1515% | 2,884 |
| Retained earnings to average equity (ytd only) | -0.3256% | 5,443 |
| Net charge-offs to loans | 0.0572% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 34.7454% | 1,055 |
| Efficiency ratio | 67.1286% | 3,970 |
| Assets per employee ($millions) | 4.1343% | 3,690 |
| Cash dividends to net income (ytd only)* | 103.9945% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8602% | 1,371 |
| Loan loss allowance to noncurrent loans | 323.6854% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 3,834 |
| Noncurrent loans to loans | 0.5747% | 3,861 |
| Net loans and leases to total assets | 77.7636% | 961 |
| Net loans and leases to deposits | 93.0514% | 1,083 |
| Net loans and leases to core deposits | 96.1943% | 1,601 |
| Total domestic deposits to total assets | 83.5706% | 3,984 |
| Equity capital to assets | 13.0307% | 1,382 |
| Core capital (leverage) ratio | 13.5748% | 946 |
| Tier 1 risk-based capital ratio | 13.9140% | 4,078 |
| Total risk-based capital ratio | 15.1693% | 4,000 |
| Memoranda: | ||
| Average total assets | $4,722,483,000 | 204 |
| Average earning assets | $4,369,349,500 | 200 |
| Average equity | $611,764,500 | 185 |
| Average total loans | $3,790,184,500 | 183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 2,064 |
| Cost of funding earning assets | 0.1861% | 5,867 |
| Net interest margin | 4.2652% | 1,127 |
| Noninterest income to average assets | 1.3258% | 702 |
| Noninterest expense to average assets | 3.3281% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2913% | 1,325 |
| Return on assets (ROA) | 1.2919% | 1,373 |
| Pretax return on assets | 1.9427% | 569 |
| Return on Equity (ROE) | 10.1117% | 2,067 |
| Retained earnings to average equity (ytd only) | 5.7496% | 2,099 |
| Net charge-offs to loans | -0.0583% | 5,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5473% | 4,823 |
| Assets per employee ($millions) | 4.0948% | 3,729 |
| Cash dividends to net income (ytd only)* | 43.1392% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 1,074 |
| Loan loss allowance to noncurrent loans | 505.5864% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 4,506 |
| Noncurrent loans to loans | 0.3993% | 4,445 |
| Net loans and leases to total assets | 79.7446% | 769 |
| Net loans and leases to deposits | 95.5947% | 934 |
| Net loans and leases to core deposits | 99.1172% | 1,457 |
| Total domestic deposits to total assets | 83.4195% | 3,941 |
| Equity capital to assets | 12.8697% | 1,430 |
| Core capital (leverage) ratio | 12.4235% | 1,390 |
| Tier 1 risk-based capital ratio | 14.2694% | 3,921 |
| Total risk-based capital ratio | 15.5275% | 3,839 |
| Memoranda: | ||
| Average total assets | $4,387,039,000 | 206 |
| Average earning assets | $4,056,833,200 | 201 |
| Average equity | $560,509,600 | 186 |
| Average total loans | $3,485,043,400 | 183 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 2,125 |
| Cost of funding earning assets | 0.1904% | 5,907 |
| Net interest margin | 4.2387% | 1,183 |
| Noninterest income to average assets | 1.4037% | 632 |
| Noninterest expense to average assets | 3.2606% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3771% | 1,177 |
| Return on assets (ROA) | 1.3779% | 1,219 |
| Pretax return on assets | 2.0606% | 493 |
| Return on Equity (ROE) | 10.8052% | 1,870 |
| Retained earnings to average equity (ytd only) | 6.3931% | 2,170 |
| Net charge-offs to loans | -0.0167% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7071% | 5,089 |
| Assets per employee ($millions) | 4.1133% | 3,638 |
| Cash dividends to net income (ytd only)* | 40.8326% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 1,278 |
| Loan loss allowance to noncurrent loans | 477.4995% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 4,670 |
| Noncurrent loans to loans | 0.4167% | 4,660 |
| Net loans and leases to total assets | 78.6077% | 881 |
| Net loans and leases to deposits | 92.9064% | 1,142 |
| Net loans and leases to core deposits | 97.8489% | 1,532 |
| Total domestic deposits to total assets | 84.6095% | 3,496 |
| Equity capital to assets | 12.6374% | 1,618 |
| Core capital (leverage) ratio | 12.1387% | 1,612 |
| Tier 1 risk-based capital ratio | 14.0615% | 4,166 |
| Total risk-based capital ratio | 15.3190% | 4,103 |
| Memoranda: | ||
| Average total assets | $4,362,857,000 | 204 |
| Average earning assets | $4,030,933,500 | 200 |
| Average equity | $556,375,000 | 187 |
| Average total loans | $3,443,996,000 | 183 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 2,336 |
| Cost of funding earning assets | 0.1945% | 5,957 |
| Net interest margin | 4.1652% | 1,330 |
| Noninterest income to average assets | 1.4965% | 542 |
| Noninterest expense to average assets | 3.2470% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3973% | 1,068 |
| Return on assets (ROA) | 1.3984% | 1,106 |
| Pretax return on assets | 2.0922% | 444 |
| Return on Equity (ROE) | 10.9311% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.7072% | 1,922 |
| Net charge-offs to loans | -0.0066% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2901% | 5,252 |
| Assets per employee ($millions) | 4.2692% | 3,334 |
| Cash dividends to net income (ytd only)* | 38.6407% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 1,350 |
| Loan loss allowance to noncurrent loans | 480.4728% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 4,764 |
| Noncurrent loans to loans | 0.4173% | 4,738 |
| Net loans and leases to total assets | 77.7049% | 947 |
| Net loans and leases to deposits | 93.3401% | 1,022 |
| Net loans and leases to core deposits | 99.9096% | 1,297 |
| Total domestic deposits to total assets | 83.2493% | 4,213 |
| Equity capital to assets | 12.4899% | 1,652 |
| Core capital (leverage) ratio | 12.5002% | 1,395 |
| Tier 1 risk-based capital ratio | 13.8194% | 4,378 |
| Total risk-based capital ratio | 15.0771% | 4,327 |
| Memoranda: | ||
| Average total assets | $4,311,690,330 | 204 |
| Average earning assets | $3,976,197,330 | 199 |
| Average equity | $551,583,000 | 187 |
| Average total loans | $3,384,570,670 | 185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 2,134 |
| Cost of funding earning assets | 0.2011% | 5,985 |
| Net interest margin | 4.1991% | 1,225 |
| Noninterest income to average assets | 0.8488% | 1,567 |
| Noninterest expense to average assets | 3.1985% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0295% | 2,082 |
| Return on assets (ROA) | 1.0317% | 2,152 |
| Pretax return on assets | 1.5195% | 1,375 |
| Return on Equity (ROE) | 7.9638% | 2,948 |
| Retained earnings to average equity (ytd only) | 3.9724% | 3,730 |
| Net charge-offs to loans | -0.0214% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1925% | 4,329 |
| Assets per employee ($millions) | 4.0699% | 3,782 |
| Cash dividends to net income (ytd only)* | 50.1197% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 1,232 |
| Loan loss allowance to noncurrent loans | 371.2609% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 4,628 |
| Noncurrent loans to loans | 0.5795% | 4,425 |
| Net loans and leases to total assets | 76.7179% | 917 |
| Net loans and leases to deposits | 92.7880% | 895 |
| Net loans and leases to core deposits | 99.1664% | 1,158 |
| Total domestic deposits to total assets | 82.6808% | 4,723 |
| Equity capital to assets | 12.8974% | 1,354 |
| Core capital (leverage) ratio | 12.5035% | 1,383 |
| Tier 1 risk-based capital ratio | 14.4263% | 4,045 |
| Total risk-based capital ratio | 15.6856% | 3,998 |
| Memoranda: | ||
| Average total assets | $4,211,258,000 | 206 |
| Average earning assets | $3,877,215,500 | 201 |
| Average equity | $545,567,500 | 189 |
| Average total loans | $3,287,742,500 | 186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 2,000 |
| Cost of funding earning assets | 0.2555% | 5,933 |
| Net interest margin | 4.3051% | 1,096 |
| Noninterest income to average assets | 1.0327% | 1,319 |
| Noninterest expense to average assets | 3.3030% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1271% | 1,843 |
| Return on assets (ROA) | 1.1252% | 1,916 |
| Pretax return on assets | 1.6733% | 1,007 |
| Return on Equity (ROE) | 8.5707% | 2,746 |
| Retained earnings to average equity (ytd only) | 4.2240% | 3,170 |
| Net charge-offs to loans | 0.0683% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 31.9967% | 1,119 |
| Efficiency ratio | 65.6987% | 4,611 |
| Assets per employee ($millions) | 4.0207% | 3,826 |
| Cash dividends to net income (ytd only)* | 50.7161% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2346% | 1,134 |
| Loan loss allowance to noncurrent loans | 340.3217% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 4,476 |
| Noncurrent loans to loans | 0.6566% | 4,327 |
| Net loans and leases to total assets | 75.9916% | 1,077 |
| Net loans and leases to deposits | 91.3402% | 1,129 |
| Net loans and leases to core deposits | 96.1185% | 1,453 |
| Total domestic deposits to total assets | 83.1963% | 4,473 |
| Equity capital to assets | 13.0139% | 1,264 |
| Core capital (leverage) ratio | 12.6454% | 1,287 |
| Tier 1 risk-based capital ratio | 14.4938% | 3,958 |
| Total risk-based capital ratio | 15.7536% | 3,889 |
| Memoranda: | ||
| Average total assets | $4,058,483,800 | 205 |
| Average earning assets | $3,720,344,400 | 200 |
| Average equity | $532,815,600 | 188 |
| Average total loans | $3,113,219,400 | 182 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,896 |
| Cost of funding earning assets | 0.2662% | 5,986 |
| Net interest margin | 4.3354% | 1,019 |
| Noninterest income to average assets | 1.0776% | 1,263 |
| Noninterest expense to average assets | 3.3014% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1724% | 1,731 |
| Return on assets (ROA) | 1.1699% | 1,812 |
| Pretax return on assets | 1.7441% | 1,008 |
| Return on Equity (ROE) | 8.8908% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.3666% | 3,569 |
| Net charge-offs to loans | 0.0306% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 74.7598% | 631 |
| Efficiency ratio | 64.7545% | 4,689 |
| Assets per employee ($millions) | 3.8418% | 4,144 |
| Cash dividends to net income (ytd only)* | 50.8862% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 1,071 |
| Loan loss allowance to noncurrent loans | 352.5184% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 4,589 |
| Noncurrent loans to loans | 0.6746% | 4,515 |
| Net loans and leases to total assets | 74.7149% | 1,173 |
| Net loans and leases to deposits | 89.8355% | 1,187 |
| Net loans and leases to core deposits | 94.6653% | 1,508 |
| Total domestic deposits to total assets | 83.1686% | 4,513 |
| Equity capital to assets | 13.2512% | 1,219 |
| Core capital (leverage) ratio | 12.6956% | 1,324 |
| Tier 1 risk-based capital ratio | 14.9556% | 3,778 |
| Total risk-based capital ratio | 16.2170% | 3,720 |
| Memoranda: | ||
| Average total assets | $4,031,755,000 | 204 |
| Average earning assets | $3,693,546,250 | 197 |
| Average equity | $530,499,750 | 184 |
| Average total loans | $3,082,098,500 | 182 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,841 |
| Cost of funding earning assets | 0.2771% | 6,004 |
| Net interest margin | 4.3282% | 982 |
| Noninterest income to average assets | 1.0793% | 1,311 |
| Noninterest expense to average assets | 3.3031% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1729% | 1,661 |
| Return on assets (ROA) | 1.1691% | 1,783 |
| Pretax return on assets | 1.7336% | 1,047 |
| Return on Equity (ROE) | 8.9059% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.3566% | 3,500 |
| Net charge-offs to loans | 0.0346% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 65.7914% | 662 |
| Efficiency ratio | 64.8684% | 4,730 |
| Assets per employee ($millions) | 3.8582% | 4,090 |
| Cash dividends to net income (ytd only)* | 51.0818% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3768% | 1,122 |
| Loan loss allowance to noncurrent loans | 335.3120% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 4,476 |
| Noncurrent loans to loans | 0.7088% | 4,516 |
| Net loans and leases to total assets | 75.6910% | 1,017 |
| Net loans and leases to deposits | 92.0903% | 953 |
| Net loans and leases to core deposits | 97.5319% | 1,248 |
| Total domestic deposits to total assets | 82.1922% | 4,987 |
| Equity capital to assets | 13.2193% | 1,250 |
| Core capital (leverage) ratio | 12.4556% | 1,380 |
| Tier 1 risk-based capital ratio | 14.7548% | 3,942 |
| Total risk-based capital ratio | 16.0164% | 3,895 |
| Memoranda: | ||
| Average total assets | $4,024,630,330 | 202 |
| Average earning assets | $3,685,211,000 | 195 |
| Average equity | $528,303,670 | 185 |
| Average total loans | $3,075,444,670 | 181 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,949 |
| Cost of funding earning assets | 0.2884% | 6,056 |
| Net interest margin | 4.2717% | 1,024 |
| Noninterest income to average assets | 1.0666% | 1,309 |
| Noninterest expense to average assets | 3.2597% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1523% | 1,664 |
| Return on assets (ROA) | 1.1445% | 1,812 |
| Pretax return on assets | 1.6974% | 1,079 |
| Return on Equity (ROE) | 8.7497% | 2,603 |
| Retained earnings to average equity (ytd only) | 4.1886% | 3,706 |
| Net charge-offs to loans | 0.0442% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 50.9497% | 666 |
| Efficiency ratio | 64.9417% | 4,832 |
| Assets per employee ($millions) | 3.9172% | 4,127 |
| Cash dividends to net income (ytd only)* | 52.1287% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4222% | 1,211 |
| Loan loss allowance to noncurrent loans | 263.9361% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 4,012 |
| Noncurrent loans to loans | 0.9177% | 4,299 |
| Net loans and leases to total assets | 74.3112% | 1,034 |
| Net loans and leases to deposits | 88.9006% | 1,059 |
| Net loans and leases to core deposits | 94.3979% | 1,317 |
| Total domestic deposits to total assets | 83.5891% | 4,632 |
| Equity capital to assets | 13.1833% | 1,345 |
| Core capital (leverage) ratio | 12.5732% | 1,306 |
| Tier 1 risk-based capital ratio | 14.9232% | 3,896 |
| Total risk-based capital ratio | 16.1852% | 3,849 |
| Memoranda: | ||
| Average total assets | $4,030,686,000 | 206 |
| Average earning assets | $3,681,926,500 | 200 |
| Average equity | $527,243,000 | 190 |
| Average total loans | $3,057,637,000 | 183 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 2,133 |
| Cost of funding earning assets | 0.4225% | 5,771 |
| Net interest margin | 4.3942% | 1,168 |
| Noninterest income to average assets | 1.1902% | 1,106 |
| Noninterest expense to average assets | 3.3048% | 2,318 |
| Loan and lease loss provision to assets | 0.2936% | 2,329 |
| Net operating income to assets | 2.0307% | 339 |
| Return on assets (ROA) | 2.0316% | 370 |
| Pretax return on assets | 1.6004% | 1,387 |
| Return on Equity (ROE) | 15.6996% | 707 |
| Retained earnings to average equity (ytd only) | 4.1628% | 3,298 |
| Net charge-offs to loans | 0.5676% | 2,026 |
| Credit loss provision to net charge-offs | 67.9998% | 4,221 |
| Earnings coverage of net charge-offs (x) | 4.3844% | 3,383 |
| Efficiency ratio | 62.9201% | 5,095 |
| Assets per employee ($millions) | 3.9514% | 4,042 |
| Cash dividends to net income (ytd only)* | 73.4844% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4382% | 1,191 |
| Loan loss allowance to noncurrent loans | 255.3399% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 3,823 |
| Noncurrent loans to loans | 0.9549% | 4,285 |
| Net loans and leases to total assets | 73.7214% | 1,235 |
| Net loans and leases to deposits | 87.8337% | 1,296 |
| Net loans and leases to core deposits | 93.4788% | 1,510 |
| Total domestic deposits to total assets | 83.9329% | 4,344 |
| Equity capital to assets | 12.9788% | 1,463 |
| Core capital (leverage) ratio | 12.2926% | 1,404 |
| Tier 1 risk-based capital ratio | 15.1165% | 3,664 |
| Total risk-based capital ratio | 16.3794% | 3,600 |
| Memoranda: | ||
| Average total assets | $4,018,995,200 | 204 |
| Average earning assets | $3,665,393,600 | 200 |
| Average equity | $520,076,800 | 188 |
| Average total loans | $3,057,030,200 | 181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 2,133 |
| Cost of funding earning assets | 0.4511% | 5,791 |
| Net interest margin | 4.4152% | 1,176 |
| Noninterest income to average assets | 1.1648% | 1,123 |
| Noninterest expense to average assets | 3.3133% | 2,231 |
| Loan and lease loss provision to assets | 0.3688% | 1,762 |
| Net operating income to assets | 2.1906% | 287 |
| Return on assets (ROA) | 2.1918% | 323 |
| Pretax return on assets | 1.5115% | 1,840 |
| Return on Equity (ROE) | 16.9504% | 617 |
| Retained earnings to average equity (ytd only) | 1.5346% | 5,571 |
| Net charge-offs to loans | 0.6630% | 1,656 |
| Credit loss provision to net charge-offs | 73.0023% | 3,821 |
| Earnings coverage of net charge-offs (x) | 3.7196% | 3,539 |
| Efficiency ratio | 63.1443% | 4,953 |
| Assets per employee ($millions) | 3.9767% | 3,916 |
| Cash dividends to net income (ytd only)* | 90.9463% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5012% | 1,209 |
| Loan loss allowance to noncurrent loans | 218.9181% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 3,645 |
| Noncurrent loans to loans | 1.1425% | 4,148 |
| Net loans and leases to total assets | 73.2514% | 1,361 |
| Net loans and leases to deposits | 87.2333% | 1,452 |
| Net loans and leases to core deposits | 93.3183% | 1,648 |
| Total domestic deposits to total assets | 83.9718% | 4,237 |
| Equity capital to assets | 12.6044% | 1,822 |
| Core capital (leverage) ratio | 11.6675% | 1,859 |
| Tier 1 risk-based capital ratio | 14.4467% | 4,224 |
| Total risk-based capital ratio | 15.7104% | 4,180 |
| Memoranda: | ||
| Average total assets | $4,013,166,500 | 207 |
| Average earning assets | $3,660,779,000 | 201 |
| Average equity | $518,935,500 | 190 |
| Average total loans | $3,057,656,750 | 182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 2,211 |
| Cost of funding earning assets | 0.4851% | 5,727 |
| Net interest margin | 4.3897% | 1,231 |
| Noninterest income to average assets | 0.9690% | 1,551 |
| Noninterest expense to average assets | 3.3303% | 2,217 |
| Loan and lease loss provision to assets | 0.4196% | 1,557 |
| Net operating income to assets | 2.4215% | 198 |
| Return on assets (ROA) | 2.4230% | 227 |
| Pretax return on assets | 1.2272% | 2,813 |
| Return on Equity (ROE) | 18.5800% | 446 |
| Retained earnings to average equity (ytd only) | 18.5800% | 131 |
| Net charge-offs to loans | 0.7206% | 1,532 |
| Credit loss provision to net charge-offs | 76.0594% | 3,432 |
| Earnings coverage of net charge-offs (x) | 2.9827% | 3,555 |
| Efficiency ratio | 66.2223% | 4,496 |
| Assets per employee ($millions) | 3.9357% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5534% | 1,206 |
| Loan loss allowance to noncurrent loans | 182.4257% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 3,240 |
| Noncurrent loans to loans | 1.3997% | 3,821 |
| Net loans and leases to total assets | 73.7118% | 1,294 |
| Net loans and leases to deposits | 88.9823% | 1,255 |
| Net loans and leases to core deposits | 96.1399% | 1,417 |
| Total domestic deposits to total assets | 82.8388% | 4,813 |
| Equity capital to assets | 13.7617% | 1,189 |
| Core capital (leverage) ratio | 12.8406% | 1,203 |
| Tier 1 risk-based capital ratio | 15.7057% | 3,327 |
| Total risk-based capital ratio | 16.9701% | 3,287 |
| Memoranda: | ||
| Average total assets | $4,004,122,670 | 206 |
| Average earning assets | $3,654,774,330 | 200 |
| Average equity | $522,162,330 | 188 |
| Average total loans | $3,065,043,330 | 180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 2,368 |
| Cost of funding earning assets | 0.5313% | 5,604 |
| Net interest margin | 4.3344% | 1,367 |
| Noninterest income to average assets | 0.8615% | 1,901 |
| Noninterest expense to average assets | 3.4167% | 1,964 |
| Loan and lease loss provision to assets | 0.4697% | 1,303 |
| Net operating income to assets | 0.9277% | 2,798 |
| Return on assets (ROA) | 0.9277% | 3,002 |
| Pretax return on assets | 0.9357% | 3,913 |
| Return on Equity (ROE) | 7.3166% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.3166% | 2,273 |
| Net charge-offs to loans | 0.7792% | 1,318 |
| Credit loss provision to net charge-offs | 78.2811% | 2,756 |
| Earnings coverage of net charge-offs (x) | 2.3424% | 3,238 |
| Efficiency ratio | 70.1032% | 3,786 |
| Assets per employee ($millions) | 3.8536% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5811% | 1,248 |
| Loan loss allowance to noncurrent loans | 132.2137% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.1744% | 2,712 |
| Noncurrent loans to loans | 1.9522% | 3,217 |
| Net loans and leases to total assets | 75.0774% | 908 |
| Net loans and leases to deposits | 89.7398% | 990 |
| Net loans and leases to core deposits | 97.4375% | 1,170 |
| Total domestic deposits to total assets | 83.6612% | 4,650 |
| Equity capital to assets | 12.9416% | 1,463 |
| Core capital (leverage) ratio | 12.0999% | 1,533 |
| Tier 1 risk-based capital ratio | 15.2093% | 3,616 |
| Total risk-based capital ratio | 16.4746% | 3,569 |
| Memoranda: | ||
| Average total assets | $4,002,915,000 | 206 |
| Average earning assets | $3,657,685,000 | 198 |
| Average equity | $507,560,000 | 192 |
| Average total loans | $3,082,226,000 | 176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 2,730 |
| Cost of funding earning assets | 0.7513% | 5,203 |
| Net interest margin | 4.2854% | 1,748 |
| Noninterest income to average assets | 0.3759% | 4,820 |
| Noninterest expense to average assets | 3.2452% | 2,705 |
| Loan and lease loss provision to assets | 0.8288% | 1,177 |
| Net operating income to assets | 0.1514% | 5,728 |
| Return on assets (ROA) | 0.2116% | 5,693 |
| Pretax return on assets | 0.2578% | 5,658 |
| Return on Equity (ROE) | 1.7498% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.7498% | 4,971 |
| Net charge-offs to loans | 1.5572% | 1,018 |
| Credit loss provision to net charge-offs | 69.5244% | 4,863 |
| Earnings coverage of net charge-offs (x) | 0.8499% | 5,163 |
| Efficiency ratio | 75.3449% | 3,001 |
| Assets per employee ($millions) | 3.9456% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5696% | 1,224 |
| Loan loss allowance to noncurrent loans | 116.5824% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.7096% | 2,244 |
| Noncurrent loans to loans | 2.2041% | 2,945 |
| Net loans and leases to total assets | 74.9571% | 1,093 |
| Net loans and leases to deposits | 90.6204% | 1,087 |
| Net loans and leases to core deposits | 98.5772% | 1,294 |
| Total domestic deposits to total assets | 82.7155% | 4,873 |
| Equity capital to assets | 12.4237% | 1,842 |
| Core capital (leverage) ratio | 11.7139% | 1,756 |
| Tier 1 risk-based capital ratio | 14.5436% | 3,939 |
| Total risk-based capital ratio | 15.8082% | 3,905 |
| Memoranda: | ||
| Average total assets | $4,078,184,000 | 195 |
| Average earning assets | $3,694,755,600 | 192 |
| Average equity | $493,143,200 | 188 |
| Average total loans | $3,122,023,400 | 174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 2,774 |
| Cost of funding earning assets | 0.8008% | 5,142 |
| Net interest margin | 4.2647% | 1,852 |
| Noninterest income to average assets | 0.3216% | 5,294 |
| Noninterest expense to average assets | 3.2214% | 2,760 |
| Loan and lease loss provision to assets | 0.9496% | 928 |
| Net operating income to assets | 0.0054% | 6,147 |
| Return on assets (ROA) | 0.0709% | 6,140 |
| Pretax return on assets | 0.1059% | 6,081 |
| Return on Equity (ROE) | 0.5904% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.5904% | 5,782 |
| Net charge-offs to loans | 1.7389% | 789 |
| Credit loss provision to net charge-offs | 71.4233% | 4,435 |
| Earnings coverage of net charge-offs (x) | 0.7203% | 5,081 |
| Efficiency ratio | 76.1971% | 2,815 |
| Assets per employee ($millions) | 4.0227% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7351% | 1,090 |
| Loan loss allowance to noncurrent loans | 108.7311% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 3.4608% | 1,823 |
| Noncurrent loans to loans | 2.5155% | 2,752 |
| Net loans and leases to total assets | 72.5365% | 1,600 |
| Net loans and leases to deposits | 86.9621% | 1,563 |
| Net loans and leases to core deposits | 95.0712% | 1,692 |
| Total domestic deposits to total assets | 83.4116% | 4,518 |
| Equity capital to assets | 12.1776% | 2,121 |
| Core capital (leverage) ratio | 11.6073% | 1,955 |
| Tier 1 risk-based capital ratio | 14.5627% | 3,933 |
| Total risk-based capital ratio | 15.8296% | 3,895 |
| Memoranda: | ||
| Average total assets | $4,085,691,500 | 193 |
| Average earning assets | $3,695,637,000 | 190 |
| Average equity | $490,696,000 | 190 |
| Average total loans | $3,123,927,750 | 175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 2,854 |
| Cost of funding earning assets | 0.8487% | 5,071 |
| Net interest margin | 4.2172% | 1,966 |
| Noninterest income to average assets | 0.3555% | 5,040 |
| Noninterest expense to average assets | 3.1990% | 2,904 |
| Loan and lease loss provision to assets | 1.1938% | 655 |
| Net operating income to assets | -0.2466% | 6,515 |
| Return on assets (ROA) | -0.2466% | 6,549 |
| Pretax return on assets | -0.2278% | 6,480 |
| Return on Equity (ROE) | -2.0631% | 6,523 |
| Retained earnings to average equity (ytd only) | -2.0631% | 6,261 |
| Net charge-offs to loans | 1.8954% | 717 |
| Credit loss provision to net charge-offs | 81.7037% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.6611% | 4,799 |
| Efficiency ratio | 75.9072% | 3,028 |
| Assets per employee ($millions) | 3.8630% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8696% | 1,016 |
| Loan loss allowance to noncurrent loans | 81.9391% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 4.4608% | 1,412 |
| Noncurrent loans to loans | 3.5022% | 2,020 |
| Net loans and leases to total assets | 75.8123% | 1,099 |
| Net loans and leases to deposits | 90.9847% | 1,162 |
| Net loans and leases to core deposits | 100.1749% | 1,327 |
| Total domestic deposits to total assets | 83.3242% | 4,620 |
| Equity capital to assets | 12.2504% | 1,934 |
| Core capital (leverage) ratio | 11.3667% | 1,997 |
| Tier 1 risk-based capital ratio | 14.0548% | 4,133 |
| Total risk-based capital ratio | 15.3234% | 4,091 |
| Memoranda: | ||
| Average total assets | $4,087,920,000 | 197 |
| Average earning assets | $3,692,609,330 | 194 |
| Average equity | $488,686,670 | 194 |
| Average total loans | $3,151,247,000 | 175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 3,052 |
| Cost of funding earning assets | 0.8891% | 5,005 |
| Net interest margin | 4.1234% | 2,177 |
| Noninterest income to average assets | 0.3292% | 5,276 |
| Noninterest expense to average assets | 3.1041% | 3,228 |
| Loan and lease loss provision to assets | 1.6148% | 376 |
| Net operating income to assets | -0.7039% | 6,917 |
| Return on assets (ROA) | -0.7039% | 6,923 |
| Pretax return on assets | -0.6708% | 6,859 |
| Return on Equity (ROE) | -5.9590% | 6,862 |
| Retained earnings to average equity (ytd only) | -5.9590% | 6,591 |
| Net charge-offs to loans | 2.0980% | 601 |
| Credit loss provision to net charge-offs | 100.4572% | 2,633 |
| Earnings coverage of net charge-offs (x) | 0.5873% | 4,186 |
| Efficiency ratio | 75.7405% | 3,200 |
| Assets per employee ($millions) | 4.0319% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0324% | 891 |
| Loan loss allowance to noncurrent loans | 76.8589% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 5.2840% | 1,170 |
| Noncurrent loans to loans | 3.9454% | 1,853 |
| Net loans and leases to total assets | 74.3156% | 1,299 |
| Net loans and leases to deposits | 89.3036% | 1,317 |
| Net loans and leases to core deposits | 98.9552% | 1,433 |
| Total domestic deposits to total assets | 83.2168% | 4,844 |
| Equity capital to assets | 11.8656% | 2,001 |
| Core capital (leverage) ratio | 11.0309% | 2,169 |
| Tier 1 risk-based capital ratio | 13.9726% | 4,091 |
| Total risk-based capital ratio | 15.2432% | 4,055 |
| Memoranda: | ||
| Average total assets | $4,136,630,500 | 192 |
| Average earning assets | $3,730,938,000 | 192 |
| Average equity | $488,603,500 | 194 |
| Average total loans | $3,169,536,000 | 173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 3,609 |
| Cost of funding earning assets | 1.3890% | 3,343 |
| Net interest margin | 3.8115% | 3,899 |
| Noninterest income to average assets | 0.3253% | 5,459 |
| Noninterest expense to average assets | 3.0623% | 3,620 |
| Loan and lease loss provision to assets | 1.5713% | 926 |
| Net operating income to assets | -1.3114% | 6,835 |
| Return on assets (ROA) | -1.3743% | 6,881 |
| Pretax return on assets | -0.9459% | 6,602 |
| Return on Equity (ROE) | -12.7232% | 6,833 |
| Retained earnings to average equity (ytd only) | -12.7232% | 6,785 |
| Net charge-offs to loans | 1.9811% | 1,024 |
| Credit loss provision to net charge-offs | 102.3290% | 4,422 |
| Earnings coverage of net charge-offs (x) | 0.4483% | 5,661 |
| Efficiency ratio | 80.6624% | 2,325 |
| Assets per employee ($millions) | 4.1433% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9557% | 903 |
| Loan loss allowance to noncurrent loans | 65.3520% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 5.8401% | 1,036 |
| Noncurrent loans to loans | 4.5227% | 1,562 |
| Net loans and leases to total assets | 74.3391% | 1,590 |
| Net loans and leases to deposits | 90.3580% | 1,476 |
| Net loans and leases to core deposits | 100.7813% | 1,554 |
| Total domestic deposits to total assets | 82.2718% | 5,099 |
| Equity capital to assets | 11.7591% | 2,073 |
| Core capital (leverage) ratio | 10.8400% | 2,275 |
| Tier 1 risk-based capital ratio | 13.8263% | 3,977 |
| Total risk-based capital ratio | 15.0960% | 3,949 |
| Memoranda: | ||
| Average total assets | $4,392,848,400 | 189 |
| Average earning assets | $3,947,837,000 | 186 |
| Average equity | $474,511,800 | 191 |
| Average total loans | $3,404,787,600 | 163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 3,743 |
| Cost of funding earning assets | 1.4937% | 3,021 |
| Net interest margin | 3.7256% | 4,286 |
| Noninterest income to average assets | 0.3784% | 5,132 |
| Noninterest expense to average assets | 3.0526% | 3,563 |
| Loan and lease loss provision to assets | 1.4799% | 908 |
| Net operating income to assets | -1.3659% | 7,057 |
| Return on assets (ROA) | -1.4489% | 7,113 |
| Pretax return on assets | -0.8908% | 6,799 |
| Return on Equity (ROE) | -13.6994% | 7,063 |
| Retained earnings to average equity (ytd only) | -13.6994% | 7,030 |
| Net charge-offs to loans | 1.8723% | 1,025 |
| Credit loss provision to net charge-offs | 101.7011% | 4,238 |
| Earnings coverage of net charge-offs (x) | 0.4619% | 5,562 |
| Efficiency ratio | 80.9694% | 2,213 |
| Assets per employee ($millions) | 4.3073% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8504% | 963 |
| Loan loss allowance to noncurrent loans | 57.3164% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 6.1737% | 956 |
| Noncurrent loans to loans | 4.9731% | 1,395 |
| Net loans and leases to total assets | 73.2845% | 1,957 |
| Net loans and leases to deposits | 88.7889% | 1,890 |
| Net loans and leases to core deposits | 100.6484% | 1,784 |
| Total domestic deposits to total assets | 82.5379% | 4,781 |
| Equity capital to assets | 11.5552% | 2,489 |
| Core capital (leverage) ratio | 10.7667% | 2,450 |
| Tier 1 risk-based capital ratio | 13.9144% | 3,905 |
| Total risk-based capital ratio | 15.1832% | 3,847 |
| Memoranda: | ||
| Average total assets | $4,443,831,250 | 187 |
| Average earning assets | $3,991,331,000 | 181 |
| Average equity | $469,995,500 | 190 |
| Average total loans | $3,453,772,500 | 158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2485% | 3,719 |
| Cost of funding earning assets | 1.5799% | 2,771 |
| Net interest margin | 3.6686% | 4,509 |
| Noninterest income to average assets | 0.5661% | 3,576 |
| Noninterest expense to average assets | 2.9693% | 3,823 |
| Loan and lease loss provision to assets | 1.3265% | 1,024 |
| Net operating income to assets | -0.2146% | 6,374 |
| Return on assets (ROA) | -0.2136% | 6,420 |
| Pretax return on assets | -0.4359% | 6,541 |
| Return on Equity (ROE) | -2.0821% | 6,426 |
| Retained earnings to average equity (ytd only) | -2.0821% | 6,157 |
| Net charge-offs to loans | 1.6831% | 1,112 |
| Credit loss provision to net charge-offs | 100.4408% | 4,052 |
| Earnings coverage of net charge-offs (x) | 0.6732% | 5,072 |
| Efficiency ratio | 75.9972% | 3,080 |
| Assets per employee ($millions) | 4.4092% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7184% | 1,070 |
| Loan loss allowance to noncurrent loans | 54.5276% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 6.1383% | 942 |
| Noncurrent loans to loans | 4.9853% | 1,386 |
| Net loans and leases to total assets | 74.4693% | 1,815 |
| Net loans and leases to deposits | 89.2334% | 1,973 |
| Net loans and leases to core deposits | 101.7672% | 1,847 |
| Total domestic deposits to total assets | 83.4544% | 4,364 |
| Equity capital to assets | 10.8989% | 2,967 |
| Core capital (leverage) ratio | 10.7667% | 2,420 |
| Tier 1 risk-based capital ratio | 13.1762% | 4,300 |
| Total risk-based capital ratio | 14.4433% | 4,249 |
| Memoranda: | ||
| Average total assets | $4,466,367,670 | 187 |
| Average earning assets | $4,008,140,000 | 182 |
| Average equity | $458,100,000 | 192 |
| Average total loans | $3,504,633,330 | 153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 3,633 |
| Cost of funding earning assets | 1.6411% | 2,700 |
| Net interest margin | 3.6411% | 4,535 |
| Noninterest income to average assets | 0.5825% | 3,394 |
| Noninterest expense to average assets | 2.8628% | 4,212 |
| Loan and lease loss provision to assets | 1.2420% | 977 |
| Net operating income to assets | -0.0980% | 6,431 |
| Return on assets (ROA) | -0.0959% | 6,502 |
| Pretax return on assets | -0.2523% | 6,599 |
| Return on Equity (ROE) | -0.9653% | 6,522 |
| Retained earnings to average equity (ytd only) | -0.9653% | 6,039 |
| Net charge-offs to loans | 1.5157% | 1,146 |
| Credit loss provision to net charge-offs | 103.1618% | 3,315 |
| Earnings coverage of net charge-offs (x) | 0.8194% | 4,313 |
| Efficiency ratio | 73.3848% | 3,692 |
| Assets per employee ($millions) | 4.3759% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6864% | 1,092 |
| Loan loss allowance to noncurrent loans | 48.8473% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 6.5942% | 855 |
| Noncurrent loans to loans | 5.4996% | 1,274 |
| Net loans and leases to total assets | 77.4100% | 1,271 |
| Net loans and leases to deposits | 92.1174% | 1,595 |
| Net loans and leases to core deposits | 105.1435% | 1,645 |
| Total domestic deposits to total assets | 84.0341% | 4,133 |
| Equity capital to assets | 10.0875% | 3,758 |
| Core capital (leverage) ratio | 9.7100% | 3,506 |
| Tier 1 risk-based capital ratio | 11.6649% | 5,517 |
| Total risk-based capital ratio | 12.9314% | 5,458 |
| Memoranda: | ||
| Average total assets | $4,455,284,500 | 190 |
| Average earning assets | $3,997,235,000 | 189 |
| Average equity | $442,548,500 | 198 |
| Average total loans | $3,538,959,500 | 153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5717% | 3,751 |
| Cost of funding earning assets | 2.1405% | 2,273 |
| Net interest margin | 3.4312% | 5,249 |
| Noninterest income to average assets | 0.5807% | 3,783 |
| Noninterest expense to average assets | 2.9387% | 4,389 |
| Loan and lease loss provision to assets | 2.4335% | 829 |
| Net operating income to assets | -0.9731% | 6,557 |
| Return on assets (ROA) | -0.9731% | 6,561 |
| Pretax return on assets | -1.6733% | 6,799 |
| Return on Equity (ROE) | -10.0788% | 6,629 |
| Retained earnings to average equity (ytd only) | -10.0788% | 6,527 |
| Net charge-offs to loans | 2.3895% | 957 |
| Credit loss provision to net charge-offs | 121.9742% | 4,345 |
| Earnings coverage of net charge-offs (x) | 0.3810% | 5,731 |
| Efficiency ratio | 78.3892% | 3,129 |
| Assets per employee ($millions) | 4.4723% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5981% | 1,115 |
| Loan loss allowance to noncurrent loans | 44.0065% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 6.4829% | 849 |
| Noncurrent loans to loans | 5.9038% | 1,061 |
| Net loans and leases to total assets | 77.2614% | 1,529 |
| Net loans and leases to deposits | 94.0342% | 1,592 |
| Net loans and leases to core deposits | 128.7924% | 1,348 |
| Total domestic deposits to total assets | 82.1632% | 4,879 |
| Equity capital to assets | 9.7835% | 4,027 |
| Core capital (leverage) ratio | 9.7372% | 3,402 |
| Tier 1 risk-based capital ratio | 11.6862% | 5,214 |
| Total risk-based capital ratio | 12.9522% | 5,156 |
| Memoranda: | ||
| Average total assets | $4,439,100,600 | 190 |
| Average earning assets | $4,034,056,800 | 187 |
| Average equity | $428,591,200 | 203 |
| Average total loans | $3,706,398,000 | 153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 3,754 |
| Cost of funding earning assets | 2.2454% | 2,206 |
| Net interest margin | 3.3727% | 5,374 |
| Noninterest income to average assets | 0.6340% | 3,464 |
| Noninterest expense to average assets | 2.9712% | 4,159 |
| Loan and lease loss provision to assets | 2.7631% | 566 |
| Net operating income to assets | -1.2072% | 6,959 |
| Return on assets (ROA) | -1.2072% | 6,973 |
| Pretax return on assets | -2.0247% | 7,193 |
| Return on Equity (ROE) | -12.5463% | 7,049 |
| Retained earnings to average equity (ytd only) | -12.5463% | 6,979 |
| Net charge-offs to loans | 2.5633% | 715 |
| Credit loss provision to net charge-offs | 127.4751% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.3407% | 5,686 |
| Efficiency ratio | 79.0253% | 2,991 |
| Assets per employee ($millions) | 4.4972% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5286% | 1,029 |
| Loan loss allowance to noncurrent loans | 38.6460% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 6.4526% | 780 |
| Noncurrent loans to loans | 6.5429% | 879 |
| Net loans and leases to total assets | 78.5319% | 1,478 |
| Net loans and leases to deposits | 97.1620% | 1,424 |
| Net loans and leases to core deposits | 134.1902% | 1,197 |
| Total domestic deposits to total assets | 80.8257% | 5,144 |
| Equity capital to assets | 9.3306% | 4,984 |
| Core capital (leverage) ratio | 9.1776% | 4,367 |
| Tier 1 risk-based capital ratio | 10.7564% | 6,204 |
| Total risk-based capital ratio | 12.0218% | 6,154 |
| Memoranda: | ||
| Average total assets | $4,417,386,750 | 199 |
| Average earning assets | $4,028,337,500 | 196 |
| Average equity | $425,039,750 | 210 |
| Average total loans | $3,735,474,500 | 162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 3,518 |
| Cost of funding earning assets | 2.3239% | 2,263 |
| Net interest margin | 3.3799% | 5,251 |
| Noninterest income to average assets | 0.5136% | 4,325 |
| Noninterest expense to average assets | 3.0058% | 4,064 |
| Loan and lease loss provision to assets | 3.0640% | 492 |
| Net operating income to assets | -1.5002% | 7,248 |
| Return on assets (ROA) | -1.5002% | 7,249 |
| Pretax return on assets | -2.4755% | 7,413 |
| Return on Equity (ROE) | -15.4273% | 7,347 |
| Retained earnings to average equity (ytd only) | -15.4273% | 7,261 |
| Net charge-offs to loans | 2.7424% | 614 |
| Credit loss provision to net charge-offs | 129.9673% | 3,579 |
| Earnings coverage of net charge-offs (x) | 0.2496% | 5,424 |
| Efficiency ratio | 82.4913% | 2,666 |
| Assets per employee ($millions) | 4.2447% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 1,002 |
| Loan loss allowance to noncurrent loans | 39.9508% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 6.4258% | 718 |
| Noncurrent loans to loans | 5.9871% | 912 |
| Net loans and leases to total assets | 83.5925% | 695 |
| Net loans and leases to deposits | 100.8678% | 1,187 |
| Net loans and leases to core deposits | 141.5267% | 953 |
| Total domestic deposits to total assets | 82.8734% | 4,298 |
| Equity capital to assets | 9.7141% | 4,332 |
| Core capital (leverage) ratio | 9.2828% | 4,192 |
| Tier 1 risk-based capital ratio | 10.5115% | 6,369 |
| Total risk-based capital ratio | 11.7719% | 6,305 |
| Memoranda: | ||
| Average total assets | $4,359,304,670 | 206 |
| Average earning assets | $3,973,540,000 | 203 |
| Average equity | $423,911,330 | 212 |
| Average total loans | $3,747,486,670 | 170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 3,526 |
| Cost of funding earning assets | 2.3672% | 2,427 |
| Net interest margin | 3.3836% | 5,201 |
| Noninterest income to average assets | -0.3378% | 8,187 |
| Noninterest expense to average assets | 2.8810% | 4,227 |
| Loan and lease loss provision to assets | 2.0140% | 597 |
| Net operating income to assets | -1.2830% | 7,405 |
| Return on assets (ROA) | -1.2830% | 7,422 |
| Pretax return on assets | -2.1409% | 7,567 |
| Return on Equity (ROE) | -13.1865% | 7,528 |
| Retained earnings to average equity (ytd only) | -13.1865% | 7,337 |
| Net charge-offs to loans | 1.8397% | 786 |
| Credit loss provision to net charge-offs | 127.1054% | 3,136 |
| Earnings coverage of net charge-offs (x) | -0.0801% | 5,053 |
| Efficiency ratio | 103.1003% | 1,013 |
| Assets per employee ($millions) | 4.1802% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 1,228 |
| Loan loss allowance to noncurrent loans | 35.3444% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 6.0334% | 655 |
| Noncurrent loans to loans | 5.9489% | 814 |
| Net loans and leases to total assets | 84.4734% | 625 |
| Net loans and leases to deposits | 104.4906% | 979 |
| Net loans and leases to core deposits | 145.1425% | 897 |
| Total domestic deposits to total assets | 80.8431% | 5,028 |
| Equity capital to assets | 9.7655% | 4,286 |
| Core capital (leverage) ratio | 9.5640% | 3,910 |
| Tier 1 risk-based capital ratio | 10.8327% | 6,063 |
| Total risk-based capital ratio | 12.0925% | 5,953 |
| Memoranda: | ||
| Average total assets | $4,361,443,500 | 204 |
| Average earning assets | $3,985,348,500 | 200 |
| Average equity | $424,341,500 | 212 |
| Average total loans | $3,756,386,000 | 169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5628% | 2,655 |
| Cost of funding earning assets | 2.9085% | 2,229 |
| Net interest margin | 3.6543% | 4,657 |
| Noninterest income to average assets | -0.3269% | 8,248 |
| Noninterest expense to average assets | 5.2183% | 571 |
| Loan and lease loss provision to assets | 1.4169% | 970 |
| Net operating income to assets | -3.1090% | 7,849 |
| Return on assets (ROA) | -3.1090% | 7,821 |
| Pretax return on assets | -3.6426% | 7,837 |
| Return on Equity (ROE) | -30.2480% | 7,966 |
| Retained earnings to average equity (ytd only) | -31.1818% | 7,931 |
| Net charge-offs to loans | 0.8728% | 1,427 |
| Credit loss provision to net charge-offs | 189.8755% | 2,604 |
| Earnings coverage of net charge-offs (x) | -2.9828% | 6,765 |
| Efficiency ratio | 96.3471% | 1,135 |
| Assets per employee ($millions) | 4.1950% | 3,125 |
| Cash dividends to net income (ytd only)* | -3.0873% | 7,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 1,314 |
| Loan loss allowance to noncurrent loans | 39.7878% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 4.7152% | 769 |
| Noncurrent loans to loans | 4.9084% | 913 |
| Net loans and leases to total assets | 84.2902% | 844 |
| Net loans and leases to deposits | 101.1656% | 1,683 |
| Net loans and leases to core deposits | 142.3024% | 1,155 |
| Total domestic deposits to total assets | 83.3190% | 3,645 |
| Equity capital to assets | 9.6938% | 4,430 |
| Core capital (leverage) ratio | 9.4025% | 4,151 |
| Tier 1 risk-based capital ratio | 10.7633% | 5,944 |
| Total risk-based capital ratio | 12.0213% | 5,845 |
| Memoranda: | ||
| Average total assets | $4,403,769,400 | 196 |
| Average earning assets | $4,000,368,000 | 194 |
| Average equity | $452,638,800 | 202 |
| Average total loans | $3,765,171,400 | 168 |