Home > Bremer Bank > Performance and Condition Ratios
Bremer 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 | 4.7165% | 2,642 |
| Cost of funding earning assets | 1.7444% | 1,369 |
| Net interest margin | 2.9721% | 3,353 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.2069% | 3,107 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8424% | 2,733 |
| Return on assets (ROA) | 0.8298% | 2,755 |
| Pretax return on assets | 1.0550% | 2,521 |
| Return on Equity (ROE) | 10.1300% | 2,466 |
| Retained earnings to average equity (ytd only) | 4.8188% | 2,667 |
| Net charge-offs to loans | 0.1018% | 893 |
| Credit loss provision to net charge-offs | 179.4407% | 1,317 |
| Earnings coverage of net charge-offs (x) | 16.9522% | 1,987 |
| Efficiency ratio | 64.9568% | 2,488 |
| Assets per employee ($millions) | 11.3585% | 486 |
| Cash dividends to net income (ytd only)* | 52.4227% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 3,720 |
| Loan loss allowance to noncurrent loans | 186.7114% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 1,525 |
| Noncurrent loans to loans | 0.4800% | 1,585 |
| Net loans and leases to total assets | 69.6600% | 1,846 |
| Net loans and leases to deposits | 86.6818% | 1,562 |
| Net loans and leases to core deposits | 98.8257% | 1,498 |
| Total domestic deposits to total assets | 80.3600% | 3,404 |
| Equity capital to assets | 8.4142% | 3,111 |
| Core capital (leverage) ratio | 9.0576% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8688% | 2,285 |
| Memoranda: | ||
| Average total assets | $16,092,453,800 | 117 |
| Average earning assets | $15,125,835,400 | 109 |
| Average equity | $1,318,373,600 | 134 |
| Average total loans | $11,094,911,200 | 116 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 2,650 |
| Cost of funding earning assets | 1.5765% | 1,416 |
| Net interest margin | 3.0354% | 3,267 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.1604% | 3,183 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0024% | 2,359 |
| Return on assets (ROA) | 1.0055% | 2,337 |
| Pretax return on assets | 1.2906% | 2,066 |
| Return on Equity (ROE) | 12.3600% | 2,037 |
| Retained earnings to average equity (ytd only) | 7.7608% | 2,050 |
| Net charge-offs to loans | -0.0314% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.0471% | 2,711 |
| Assets per employee ($millions) | 11.4476% | 444 |
| Cash dividends to net income (ytd only)* | 37.2045% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 3,777 |
| Loan loss allowance to noncurrent loans | 191.5530% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 1,719 |
| Noncurrent loans to loans | 0.4621% | 1,665 |
| Net loans and leases to total assets | 69.6000% | 1,875 |
| Net loans and leases to deposits | 87.1803% | 1,458 |
| Net loans and leases to core deposits | 99.0674% | 1,374 |
| Total domestic deposits to total assets | 79.8300% | 3,555 |
| Equity capital to assets | 8.0115% | 3,053 |
| Core capital (leverage) ratio | 9.2387% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9140% | 2,296 |
| Memoranda: | ||
| Average total assets | $16,037,868,500 | 118 |
| Average earning assets | $15,076,348,250 | 110 |
| Average equity | $1,304,862,500 | 138 |
| Average total loans | $11,002,481,500 | 118 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 2,682 |
| Cost of funding earning assets | 1.3638% | 1,545 |
| Net interest margin | 3.1216% | 3,169 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.1841% | 3,120 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0967% | 2,137 |
| Return on assets (ROA) | 1.0996% | 2,118 |
| Pretax return on assets | 1.3572% | 1,928 |
| Return on Equity (ROE) | 13.4500% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.5511% | 2,434 |
| Net charge-offs to loans | -0.0563% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3695% | 2,796 |
| Assets per employee ($millions) | 11.4441% | 444 |
| Cash dividends to net income (ytd only)* | 51.2768% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 3,833 |
| Loan loss allowance to noncurrent loans | 169.5203% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 1,472 |
| Noncurrent loans to loans | 0.5201% | 1,421 |
| Net loans and leases to total assets | 68.5000% | 1,915 |
| Net loans and leases to deposits | 87.6643% | 1,371 |
| Net loans and leases to core deposits | 98.3738% | 1,326 |
| Total domestic deposits to total assets | 78.1400% | 3,833 |
| Equity capital to assets | 8.1807% | 3,098 |
| Core capital (leverage) ratio | 9.1544% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8104% | 2,368 |
| Memoranda: | ||
| Average total assets | $15,961,477,667 | 114 |
| Average earning assets | $15,010,979,000 | 107 |
| Average equity | $1,305,403,667 | 132 |
| Average total loans | $10,862,459,667 | 116 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,669 |
| Cost of funding earning assets | 1.0986% | 1,752 |
| Net interest margin | 3.2535% | 2,983 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.1517% | 3,247 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1970% | 1,936 |
| Return on assets (ROA) | 1.1986% | 1,894 |
| Pretax return on assets | 1.4934% | 1,687 |
| Return on Equity (ROE) | 14.6600% | 1,632 |
| Retained earnings to average equity (ytd only) | 8.4854% | 2,083 |
| Net charge-offs to loans | -0.0233% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.9408% | 3,079 |
| Assets per employee ($millions) | 10.9543% | 514 |
| Cash dividends to net income (ytd only)* | 42.1079% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 3,909 |
| Loan loss allowance to noncurrent loans | 132.2983% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 1,119 |
| Noncurrent loans to loans | 0.6635% | 1,136 |
| Net loans and leases to total assets | 67.7300% | 1,867 |
| Net loans and leases to deposits | 81.1871% | 1,730 |
| Net loans and leases to core deposits | 90.5746% | 1,584 |
| Total domestic deposits to total assets | 83.4200% | 3,220 |
| Equity capital to assets | 8.4190% | 2,954 |
| Core capital (leverage) ratio | 9.1560% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0208% | 2,380 |
| Memoranda: | ||
| Average total assets | $15,851,238,000 | 117 |
| Average earning assets | $14,912,281,000 | 111 |
| Average equity | $1,296,206,500 | 137 |
| Average total loans | $10,702,117,000 | 119 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 3,274 |
| Cost of funding earning assets | 0.2885% | 2,974 |
| Net interest margin | 3.1394% | 3,062 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1484% | 3,162 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 1.2726% | 1,522 |
| Return on assets (ROA) | 1.2733% | 1,475 |
| Pretax return on assets | 1.5969% | 1,177 |
| Return on Equity (ROE) | 14.9900% | 1,258 |
| Retained earnings to average equity (ytd only) | 3.5199% | 3,559 |
| Net charge-offs to loans | 0.0172% | 1,769 |
| Credit loss provision to net charge-offs | -505.8824% | 4,632 |
| Earnings coverage of net charge-offs (x) | 138.0964% | 833 |
| Efficiency ratio | 58.1788% | 3,314 |
| Assets per employee ($millions) | 11.2169% | 477 |
| Cash dividends to net income (ytd only)* | 76.5250% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,078 |
| Loan loss allowance to noncurrent loans | 268.0222% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 1,829 |
| Noncurrent loans to loans | 0.3959% | 1,730 |
| Net loans and leases to total assets | 66.0100% | 2,041 |
| Net loans and leases to deposits | 78.4155% | 1,905 |
| Net loans and leases to core deposits | 83.7006% | 1,891 |
| Total domestic deposits to total assets | 84.1700% | 3,167 |
| Equity capital to assets | 7.9383% | 3,097 |
| Core capital (leverage) ratio | 8.8911% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0141% | 2,371 |
| Memoranda: | ||
| Average total assets | $16,010,578,600 | 119 |
| Average earning assets | $15,117,437,200 | 112 |
| Average equity | $1,359,554,400 | 133 |
| Average total loans | $10,392,468,000 | 120 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 3,428 |
| Cost of funding earning assets | 0.1530% | 3,821 |
| Net interest margin | 3.0497% | 3,079 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.0969% | 3,216 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 1.2972% | 1,359 |
| Return on assets (ROA) | 1.2978% | 1,325 |
| Pretax return on assets | 1.6323% | 1,046 |
| Return on Equity (ROE) | 15.0400% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.2316% | 2,287 |
| Net charge-offs to loans | 0.0129% | 1,639 |
| Credit loss provision to net charge-offs | -883.5329% | 4,715 |
| Earnings coverage of net charge-offs (x) | 186.9042% | 645 |
| Efficiency ratio | 57.2986% | 3,472 |
| Assets per employee ($millions) | 10.9959% | 495 |
| Cash dividends to net income (ytd only)* | 51.9171% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,105 |
| Loan loss allowance to noncurrent loans | 225.9302% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 1,661 |
| Noncurrent loans to loans | 0.4777% | 1,603 |
| Net loans and leases to total assets | 65.7700% | 1,912 |
| Net loans and leases to deposits | 75.8761% | 1,888 |
| Net loans and leases to core deposits | 81.5737% | 1,793 |
| Total domestic deposits to total assets | 86.6800% | 2,862 |
| Equity capital to assets | 8.3005% | 2,679 |
| Core capital (leverage) ratio | 9.1098% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3694% | 2,331 |
| Memoranda: | ||
| Average total assets | $16,028,407,500 | 119 |
| Average earning assets | $15,152,898,500 | 112 |
| Average equity | $1,383,115,500 | 136 |
| Average total loans | $10,332,148,750 | 121 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9870% | 3,590 |
| Cost of funding earning assets | 0.1092% | 4,089 |
| Net interest margin | 2.8778% | 3,228 |
| Noninterest income to average assets | 0.7273% | 1,241 |
| Noninterest expense to average assets | 2.0145% | 3,393 |
| Loan and lease loss provision to assets | -0.0967% | 4,588 |
| Net operating income to assets | 1.2137% | 1,387 |
| Return on assets (ROA) | 1.2142% | 1,373 |
| Pretax return on assets | 1.5352% | 1,086 |
| Return on Equity (ROE) | 13.8968% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.2124% | 2,271 |
| Net charge-offs to loans | 0.0165% | 1,415 |
| Credit loss provision to net charge-offs | -916.0188% | 3,522 |
| Earnings coverage of net charge-offs (x) | 136.2108% | 689 |
| Efficiency ratio | 58.2722% | 3,520 |
| Assets per employee ($millions) | 10.9993% | 494 |
| Cash dividends to net income (ytd only)* | 55.2961% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 3,166 |
| Loan loss allowance to noncurrent loans | 288.3671% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 2,036 |
| Noncurrent loans to loans | 0.3813% | 1,996 |
| Net loans and leases to total assets | 65.8191% | 1,719 |
| Net loans and leases to deposits | 74.5832% | 1,796 |
| Net loans and leases to core deposits | 79.3602% | 1,759 |
| Total domestic deposits to total assets | 88.2492% | 2,480 |
| Equity capital to assets | 8.6712% | 2,637 |
| Core capital (leverage) ratio | 8.9596% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2467% | 2,395 |
| Memoranda: | ||
| Average total assets | $16,085,833,333 | 119 |
| Average earning assets | $15,232,338,000 | 112 |
| Average equity | $1,405,441,000 | 135 |
| Average total loans | $10,261,931,667 | 117 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8305% | 3,683 |
| Cost of funding earning assets | 0.1008% | 4,123 |
| Net interest margin | 2.7297% | 3,342 |
| Noninterest income to average assets | 0.7386% | 1,194 |
| Noninterest expense to average assets | 1.9863% | 3,461 |
| Loan and lease loss provision to assets | -0.0626% | 4,539 |
| Net operating income to assets | 1.1111% | 1,503 |
| Return on assets (ROA) | 1.1120% | 1,488 |
| Pretax return on assets | 1.4045% | 1,240 |
| Return on Equity (ROE) | 12.6814% | 1,112 |
| Retained earnings to average equity (ytd only) | 5.1114% | 2,552 |
| Net charge-offs to loans | 0.0030% | 1,679 |
| Credit loss provision to net charge-offs | -3,396.0000% | 3,470 |
| Earnings coverage of net charge-offs (x) | 727.0667% | 130 |
| Efficiency ratio | 59.6203% | 3,523 |
| Assets per employee ($millions) | 10.8821% | 533 |
| Cash dividends to net income (ytd only)* | 59.6936% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,875 |
| Loan loss allowance to noncurrent loans | 351.8987% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 2,351 |
| Noncurrent loans to loans | 0.3403% | 2,260 |
| Net loans and leases to total assets | 62.2438% | 1,832 |
| Net loans and leases to deposits | 69.6406% | 1,995 |
| Net loans and leases to core deposits | 76.2180% | 1,768 |
| Total domestic deposits to total assets | 89.3786% | 1,882 |
| Equity capital to assets | 8.7125% | 2,962 |
| Core capital (leverage) ratio | 8.5954% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6346% | 2,371 |
| Memoranda: | ||
| Average total assets | $16,269,724,500 | 118 |
| Average earning assets | $15,427,286,000 | 113 |
| Average equity | $1,426,689,500 | 139 |
| Average total loans | $10,162,649,000 | 115 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0739% | 3,737 |
| Cost of funding earning assets | 0.1247% | 4,188 |
| Net interest margin | 2.9492% | 3,324 |
| Noninterest income to average assets | 0.8011% | 1,442 |
| Noninterest expense to average assets | 2.1815% | 3,143 |
| Loan and lease loss provision to assets | -0.0646% | 4,420 |
| Net operating income to assets | 1.1632% | 2,045 |
| Return on assets (ROA) | 1.1664% | 2,097 |
| Pretax return on assets | 1.4637% | 1,840 |
| Return on Equity (ROE) | 13.0464% | 1,450 |
| Retained earnings to average equity (ytd only) | 6.0326% | 2,346 |
| Net charge-offs to loans | -0.0397% | 4,220 |
| Credit loss provision to net charge-offs | 247.6546% | 1,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9152% | 3,007 |
| Assets per employee ($millions) | 11.3241% | 466 |
| Cash dividends to net income (ytd only)* | 53.7606% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,839 |
| Loan loss allowance to noncurrent loans | 336.5643% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 2,438 |
| Noncurrent loans to loans | 0.3595% | 2,297 |
| Net loans and leases to total assets | 61.1943% | 2,045 |
| Net loans and leases to deposits | 68.9253% | 2,230 |
| Net loans and leases to core deposits | 75.0505% | 1,997 |
| Total domestic deposits to total assets | 88.7834% | 1,622 |
| Equity capital to assets | 8.8239% | 3,783 |
| Core capital (leverage) ratio | 8.3987% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5525% | 2,429 |
| Memoranda: | ||
| Average total assets | $15,947,061,600 | 119 |
| Average earning assets | $15,007,835,400 | 115 |
| Average equity | $1,425,759,200 | 137 |
| Average total loans | $10,457,895,000 | 113 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 3,747 |
| Cost of funding earning assets | 0.1293% | 4,268 |
| Net interest margin | 3.0005% | 3,300 |
| Noninterest income to average assets | 0.8348% | 1,428 |
| Noninterest expense to average assets | 2.0766% | 3,430 |
| Loan and lease loss provision to assets | -0.0819% | 4,559 |
| Net operating income to assets | 1.3081% | 1,802 |
| Return on assets (ROA) | 1.3113% | 1,841 |
| Pretax return on assets | 1.6635% | 1,512 |
| Return on Equity (ROE) | 14.6170% | 1,218 |
| Retained earnings to average equity (ytd only) | 7.5661% | 2,195 |
| Net charge-offs to loans | -0.0319% | 4,158 |
| Credit loss provision to net charge-offs | 386.1630% | 875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7589% | 3,441 |
| Assets per employee ($millions) | 10.4474% | 563 |
| Cash dividends to net income (ytd only)* | 48.2374% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,968 |
| Loan loss allowance to noncurrent loans | 448.0883% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,962 |
| Noncurrent loans to loans | 0.2690% | 2,841 |
| Net loans and leases to total assets | 62.0834% | 1,994 |
| Net loans and leases to deposits | 70.5799% | 2,178 |
| Net loans and leases to core deposits | 77.2531% | 1,937 |
| Total domestic deposits to total assets | 87.9618% | 1,870 |
| Equity capital to assets | 8.9282% | 3,899 |
| Core capital (leverage) ratio | 8.5553% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8465% | 2,415 |
| Memoranda: | ||
| Average total assets | $15,809,036,000 | 119 |
| Average earning assets | $14,854,724,750 | 116 |
| Average equity | $1,418,232,500 | 138 |
| Average total loans | $10,517,321,500 | 117 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 3,729 |
| Cost of funding earning assets | 0.1360% | 4,308 |
| Net interest margin | 3.0340% | 3,229 |
| Noninterest income to average assets | 0.8751% | 1,343 |
| Noninterest expense to average assets | 2.1009% | 3,386 |
| Loan and lease loss provision to assets | -0.1255% | 4,672 |
| Net operating income to assets | 1.3719% | 1,648 |
| Return on assets (ROA) | 1.3742% | 1,718 |
| Pretax return on assets | 1.7478% | 1,362 |
| Return on Equity (ROE) | 15.2936% | 1,088 |
| Retained earnings to average equity (ytd only) | 8.1982% | 2,005 |
| Net charge-offs to loans | -0.0620% | 4,455 |
| Credit loss provision to net charge-offs | 298.6646% | 892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3951% | 3,494 |
| Assets per employee ($millions) | 10.2906% | 563 |
| Cash dividends to net income (ytd only)* | 46.3947% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 2,956 |
| Loan loss allowance to noncurrent loans | 407.3478% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,968 |
| Noncurrent loans to loans | 0.2935% | 2,877 |
| Net loans and leases to total assets | 64.5718% | 1,883 |
| Net loans and leases to deposits | 73.5544% | 2,041 |
| Net loans and leases to core deposits | 79.9897% | 1,889 |
| Total domestic deposits to total assets | 87.7878% | 1,940 |
| Equity capital to assets | 9.0765% | 3,730 |
| Core capital (leverage) ratio | 8.5604% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8372% | 2,426 |
| Memoranda: | ||
| Average total assets | $15,684,371,000 | 119 |
| Average earning assets | $14,708,413,000 | 116 |
| Average equity | $1,409,361,000 | 138 |
| Average total loans | $10,633,243,000 | 113 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 3,872 |
| Cost of funding earning assets | 0.1479% | 4,321 |
| Net interest margin | 2.9572% | 3,361 |
| Noninterest income to average assets | 0.9697% | 1,188 |
| Noninterest expense to average assets | 2.0762% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3098% | 1,795 |
| Return on assets (ROA) | 1.3126% | 1,868 |
| Pretax return on assets | 1.6661% | 1,565 |
| Return on Equity (ROE) | 14.6823% | 1,281 |
| Retained earnings to average equity (ytd only) | 7.5299% | 2,404 |
| Net charge-offs to loans | -0.0660% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4548% | 3,611 |
| Assets per employee ($millions) | 10.2737% | 548 |
| Cash dividends to net income (ytd only)* | 48.7149% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,849 |
| Loan loss allowance to noncurrent loans | 285.8515% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 2,617 |
| Noncurrent loans to loans | 0.4254% | 2,586 |
| Net loans and leases to total assets | 68.8010% | 1,427 |
| Net loans and leases to deposits | 77.9353% | 1,720 |
| Net loans and leases to core deposits | 85.4710% | 1,559 |
| Total domestic deposits to total assets | 88.2797% | 1,707 |
| Equity capital to assets | 8.9946% | 3,693 |
| Core capital (leverage) ratio | 8.4074% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6478% | 2,428 |
| Memoranda: | ||
| Average total assets | $15,638,840,500 | 119 |
| Average earning assets | $14,644,210,000 | 116 |
| Average equity | $1,398,114,500 | 139 |
| Average total loans | $10,795,006,000 | 114 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 3,736 |
| Cost of funding earning assets | 0.3817% | 3,698 |
| Net interest margin | 3.2489% | 3,215 |
| Noninterest income to average assets | 0.9292% | 1,198 |
| Noninterest expense to average assets | 2.3171% | 3,363 |
| Loan and lease loss provision to assets | 0.1886% | 2,066 |
| Net operating income to assets | 1.1702% | 1,653 |
| Return on assets (ROA) | 1.1722% | 1,755 |
| Pretax return on assets | 1.4545% | 1,492 |
| Return on Equity (ROE) | 12.5911% | 1,153 |
| Retained earnings to average equity (ytd only) | 6.0664% | 1,767 |
| Net charge-offs to loans | 0.0774% | 1,707 |
| Credit loss provision to net charge-offs | 351.6474% | 1,576 |
| Earnings coverage of net charge-offs (x) | 30.5878% | 1,590 |
| Efficiency ratio | 58.4675% | 3,659 |
| Assets per employee ($millions) | 9.9143% | 550 |
| Cash dividends to net income (ytd only)* | 51.8202% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 2,919 |
| Loan loss allowance to noncurrent loans | 251.7653% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 2,638 |
| Noncurrent loans to loans | 0.4786% | 2,534 |
| Net loans and leases to total assets | 67.5897% | 1,873 |
| Net loans and leases to deposits | 76.5355% | 2,223 |
| Net loans and leases to core deposits | 86.6707% | 1,813 |
| Total domestic deposits to total assets | 88.3116% | 1,323 |
| Equity capital to assets | 8.8862% | 4,160 |
| Core capital (leverage) ratio | 8.2457% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3110% | 2,514 |
| Memoranda: | ||
| Average total assets | $14,486,581,200 | 119 |
| Average earning assets | $13,503,572,000 | 118 |
| Average equity | $1,348,712,000 | 143 |
| Average total loans | $10,036,827,600 | 114 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 3,627 |
| Cost of funding earning assets | 0.4433% | 3,564 |
| Net interest margin | 3.3347% | 3,088 |
| Noninterest income to average assets | 0.9672% | 1,087 |
| Noninterest expense to average assets | 2.2722% | 3,492 |
| Loan and lease loss provision to assets | 0.2273% | 1,785 |
| Net operating income to assets | 1.2519% | 1,476 |
| Return on assets (ROA) | 1.2542% | 1,585 |
| Pretax return on assets | 1.5784% | 1,248 |
| Return on Equity (ROE) | 13.3037% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.5181% | 1,880 |
| Net charge-offs to loans | 0.1087% | 1,248 |
| Credit loss provision to net charge-offs | 300.6969% | 1,755 |
| Earnings coverage of net charge-offs (x) | 23.8457% | 1,779 |
| Efficiency ratio | 55.6820% | 3,959 |
| Assets per employee ($millions) | 9.8938% | 524 |
| Cash dividends to net income (ytd only)* | 51.0051% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,777 |
| Loan loss allowance to noncurrent loans | 269.2062% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 2,901 |
| Noncurrent loans to loans | 0.4383% | 2,742 |
| Net loans and leases to total assets | 68.9627% | 2,117 |
| Net loans and leases to deposits | 78.6528% | 2,461 |
| Net loans and leases to core deposits | 88.2593% | 2,123 |
| Total domestic deposits to total assets | 87.6799% | 1,354 |
| Equity capital to assets | 9.0516% | 4,076 |
| Core capital (leverage) ratio | 8.4387% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4929% | 2,420 |
| Memoranda: | ||
| Average total assets | $14,172,264,750 | 122 |
| Average earning assets | $13,207,695,750 | 117 |
| Average equity | $1,336,133,250 | 144 |
| Average total loans | $9,853,282,250 | 114 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,455 |
| Cost of funding earning assets | 0.5394% | 3,298 |
| Net interest margin | 3.4138% | 3,058 |
| Noninterest income to average assets | 0.9425% | 1,083 |
| Noninterest expense to average assets | 2.2990% | 3,517 |
| Loan and lease loss provision to assets | 0.2810% | 1,531 |
| Net operating income to assets | 1.2284% | 1,555 |
| Return on assets (ROA) | 1.2320% | 1,664 |
| Pretax return on assets | 1.5438% | 1,358 |
| Return on Equity (ROE) | 12.8768% | 1,131 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,240 |
| Net charge-offs to loans | 0.1719% | 866 |
| Credit loss provision to net charge-offs | 235.5388% | 1,794 |
| Earnings coverage of net charge-offs (x) | 15.2559% | 1,917 |
| Efficiency ratio | 55.7295% | 3,976 |
| Assets per employee ($millions) | 9.6826% | 552 |
| Cash dividends to net income (ytd only)* | 56.5431% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,824 |
| Loan loss allowance to noncurrent loans | 210.8210% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 2,706 |
| Noncurrent loans to loans | 0.5412% | 2,549 |
| Net loans and leases to total assets | 69.9830% | 2,033 |
| Net loans and leases to deposits | 80.3661% | 2,383 |
| Net loans and leases to core deposits | 90.4851% | 2,034 |
| Total domestic deposits to total assets | 87.0803% | 1,584 |
| Equity capital to assets | 9.0759% | 4,013 |
| Core capital (leverage) ratio | 8.3985% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2322% | 2,507 |
| Memoranda: | ||
| Average total assets | $13,781,244,000 | 121 |
| Average earning assets | $12,824,663,667 | 118 |
| Average equity | $1,318,509,667 | 144 |
| Average total loans | $9,568,074,333 | 118 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,625 |
| Cost of funding earning assets | 0.7218% | 2,826 |
| Net interest margin | 3.3389% | 3,488 |
| Noninterest income to average assets | 0.8664% | 1,133 |
| Noninterest expense to average assets | 2.3401% | 3,683 |
| Loan and lease loss provision to assets | 0.2765% | 1,129 |
| Net operating income to assets | 1.0967% | 1,853 |
| Return on assets (ROA) | 1.1042% | 1,923 |
| Pretax return on assets | 1.3593% | 1,690 |
| Return on Equity (ROE) | 11.2126% | 1,350 |
| Retained earnings to average equity (ytd only) | 1.9521% | 3,460 |
| Net charge-offs to loans | 0.0349% | 1,715 |
| Credit loss provision to net charge-offs | 1,154.1878% | 514 |
| Earnings coverage of net charge-offs (x) | 67.8972% | 741 |
| Efficiency ratio | 58.9093% | 3,885 |
| Assets per employee ($millions) | 8.5066% | 623 |
| Cash dividends to net income (ytd only)* | 82.5900% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,127 |
| Loan loss allowance to noncurrent loans | 219.1757% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 2,775 |
| Noncurrent loans to loans | 0.5952% | 2,515 |
| Net loans and leases to total assets | 67.8884% | 2,558 |
| Net loans and leases to deposits | 82.4279% | 2,399 |
| Net loans and leases to core deposits | 92.8217% | 2,084 |
| Total domestic deposits to total assets | 82.3609% | 3,311 |
| Equity capital to assets | 9.8712% | 3,904 |
| Core capital (leverage) ratio | 9.3184% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9087% | 2,749 |
| Memoranda: | ||
| Average total assets | $13,158,139,500 | 121 |
| Average earning assets | $12,217,574,000 | 118 |
| Average equity | $1,295,827,500 | 143 |
| Average total loans | $9,033,093,500 | 125 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 3,616 |
| Cost of funding earning assets | 0.9130% | 2,145 |
| Net interest margin | 3.3582% | 3,858 |
| Noninterest income to average assets | 0.8869% | 1,201 |
| Noninterest expense to average assets | 2.3707% | 3,768 |
| Loan and lease loss provision to assets | 0.0445% | 3,120 |
| Net operating income to assets | 1.2864% | 1,741 |
| Return on assets (ROA) | 1.2872% | 1,815 |
| Pretax return on assets | 1.6056% | 1,475 |
| Return on Equity (ROE) | 13.4857% | 1,017 |
| Retained earnings to average equity (ytd only) | 6.8904% | 1,432 |
| Net charge-offs to loans | 0.0485% | 2,425 |
| Credit loss provision to net charge-offs | 135.3618% | 1,894 |
| Earnings coverage of net charge-offs (x) | 50.2065% | 1,126 |
| Efficiency ratio | 58.8874% | 3,853 |
| Assets per employee ($millions) | 8.3849% | 621 |
| Cash dividends to net income (ytd only)* | 48.9060% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,296 |
| Loan loss allowance to noncurrent loans | 182.2559% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 2,525 |
| Noncurrent loans to loans | 0.6736% | 2,197 |
| Net loans and leases to total assets | 67.6726% | 2,731 |
| Net loans and leases to deposits | 79.7093% | 2,812 |
| Net loans and leases to core deposits | 91.1662% | 2,306 |
| Total domestic deposits to total assets | 84.8993% | 2,534 |
| Equity capital to assets | 9.8248% | 4,083 |
| Core capital (leverage) ratio | 9.2984% | 4,282 |
| Tier 1 risk-based capital ratio | 11.8902% | 4,428 |
| Total risk-based capital ratio | 13.0520% | 4,351 |
| Memoranda: | ||
| Average total assets | $12,707,730,800 | 122 |
| Average earning assets | $11,855,064,000 | 115 |
| Average equity | $1,212,979,200 | 144 |
| Average total loans | $8,599,937,000 | 126 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 3,681 |
| Cost of funding earning assets | 0.9373% | 2,054 |
| Net interest margin | 3.3532% | 3,977 |
| Noninterest income to average assets | 0.8565% | 1,249 |
| Noninterest expense to average assets | 2.3432% | 3,834 |
| Loan and lease loss provision to assets | 0.0416% | 3,071 |
| Net operating income to assets | 1.2866% | 1,902 |
| Return on assets (ROA) | 1.2877% | 1,982 |
| Pretax return on assets | 1.6020% | 1,633 |
| Return on Equity (ROE) | 13.5938% | 1,081 |
| Retained earnings to average equity (ytd only) | 6.8957% | 1,915 |
| Net charge-offs to loans | 0.0542% | 2,059 |
| Credit loss provision to net charge-offs | 113.8310% | 2,038 |
| Earnings coverage of net charge-offs (x) | 44.9381% | 1,271 |
| Efficiency ratio | 58.7028% | 3,836 |
| Assets per employee ($millions) | 8.2748% | 629 |
| Cash dividends to net income (ytd only)* | 49.2736% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,315 |
| Loan loss allowance to noncurrent loans | 159.4215% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 2,409 |
| Noncurrent loans to loans | 0.7741% | 2,032 |
| Net loans and leases to total assets | 66.9485% | 2,931 |
| Net loans and leases to deposits | 80.4319% | 2,856 |
| Net loans and leases to core deposits | 92.5436% | 2,314 |
| Total domestic deposits to total assets | 83.2363% | 3,087 |
| Equity capital to assets | 9.6449% | 4,341 |
| Core capital (leverage) ratio | 9.2894% | 4,379 |
| Tier 1 risk-based capital ratio | 11.8041% | 4,513 |
| Total risk-based capital ratio | 12.9640% | 4,465 |
| Memoranda: | ||
| Average total assets | $12,608,268,000 | 123 |
| Average earning assets | $11,765,322,000 | 115 |
| Average equity | $1,194,325,250 | 146 |
| Average total loans | $8,505,141,500 | 127 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 3,684 |
| Cost of funding earning assets | 0.9322% | 1,999 |
| Net interest margin | 3.3501% | 4,029 |
| Noninterest income to average assets | 0.7642% | 1,468 |
| Noninterest expense to average assets | 2.3165% | 3,963 |
| Loan and lease loss provision to assets | 0.0666% | 2,481 |
| Net operating income to assets | 1.2246% | 2,055 |
| Return on assets (ROA) | 1.2261% | 2,110 |
| Pretax return on assets | 1.5167% | 1,807 |
| Return on Equity (ROE) | 13.0267% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.2045% | 2,189 |
| Net charge-offs to loans | 0.0706% | 1,656 |
| Credit loss provision to net charge-offs | 140.1351% | 1,563 |
| Earnings coverage of net charge-offs (x) | 33.2791% | 1,383 |
| Efficiency ratio | 59.3367% | 3,821 |
| Assets per employee ($millions) | 7.9680% | 683 |
| Cash dividends to net income (ytd only)* | 52.3711% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,152 |
| Loan loss allowance to noncurrent loans | 152.1379% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,286 |
| Noncurrent loans to loans | 0.8328% | 1,924 |
| Net loans and leases to total assets | 67.5021% | 2,886 |
| Net loans and leases to deposits | 79.9243% | 2,963 |
| Net loans and leases to core deposits | 91.9510% | 2,424 |
| Total domestic deposits to total assets | 84.4576% | 2,701 |
| Equity capital to assets | 9.6157% | 4,303 |
| Core capital (leverage) ratio | 9.2541% | 4,405 |
| Tier 1 risk-based capital ratio | 11.8861% | 4,481 |
| Total risk-based capital ratio | 13.0734% | 4,404 |
| Memoranda: | ||
| Average total assets | $12,458,485,670 | 124 |
| Average earning assets | $11,653,550,330 | 116 |
| Average equity | $1,172,634,670 | 148 |
| Average total loans | $8,389,817,000 | 129 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 3,706 |
| Cost of funding earning assets | 0.8860% | 2,067 |
| Net interest margin | 3.3654% | 3,992 |
| Noninterest income to average assets | 0.7188% | 1,549 |
| Noninterest expense to average assets | 2.3488% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2286% | 1,955 |
| Return on assets (ROA) | 1.2180% | 2,043 |
| Pretax return on assets | 1.5046% | 1,751 |
| Return on Equity (ROE) | 13.0862% | 1,185 |
| Retained earnings to average equity (ytd only) | 6.1217% | 2,406 |
| Net charge-offs to loans | 0.0026% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 883.4340% | 63 |
| Efficiency ratio | 60.6547% | 3,728 |
| Assets per employee ($millions) | 7.7867% | 727 |
| Cash dividends to net income (ytd only)* | 53.2198% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,073 |
| Loan loss allowance to noncurrent loans | 149.8256% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,289 |
| Noncurrent loans to loans | 0.8707% | 1,902 |
| Net loans and leases to total assets | 65.4814% | 3,118 |
| Net loans and leases to deposits | 78.4760% | 3,009 |
| Net loans and leases to core deposits | 94.6890% | 2,063 |
| Total domestic deposits to total assets | 83.4413% | 3,241 |
| Equity capital to assets | 9.3858% | 4,354 |
| Core capital (leverage) ratio | 9.2517% | 4,409 |
| Tier 1 risk-based capital ratio | 11.9984% | 4,461 |
| Total risk-based capital ratio | 13.2359% | 4,359 |
| Memoranda: | ||
| Average total assets | $12,341,249,500 | 124 |
| Average earning assets | $11,542,742,500 | 117 |
| Average equity | $1,148,692,500 | 150 |
| Average total loans | $8,245,744,000 | 132 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 3,672 |
| Cost of funding earning assets | 0.6748% | 2,245 |
| Net interest margin | 3.4479% | 3,863 |
| Noninterest income to average assets | 0.7286% | 1,740 |
| Noninterest expense to average assets | 2.4261% | 3,812 |
| Loan and lease loss provision to assets | 0.0083% | 3,961 |
| Net operating income to assets | 1.2490% | 1,977 |
| Return on assets (ROA) | 1.2418% | 1,998 |
| Pretax return on assets | 1.5104% | 1,748 |
| Return on Equity (ROE) | 13.2246% | 1,260 |
| Retained earnings to average equity (ytd only) | 5.2354% | 2,637 |
| Net charge-offs to loans | 0.0137% | 3,220 |
| Credit loss provision to net charge-offs | 89.5255% | 2,728 |
| Earnings coverage of net charge-offs (x) | 164.0573% | 526 |
| Efficiency ratio | 61.2718% | 3,652 |
| Assets per employee ($millions) | 7.5248% | 787 |
| Cash dividends to net income (ytd only)* | 60.4116% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 1,894 |
| Loan loss allowance to noncurrent loans | 149.9586% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 2,202 |
| Noncurrent loans to loans | 0.8890% | 1,814 |
| Net loans and leases to total assets | 66.4019% | 3,071 |
| Net loans and leases to deposits | 76.2185% | 3,333 |
| Net loans and leases to core deposits | 89.7738% | 2,589 |
| Total domestic deposits to total assets | 87.1204% | 1,723 |
| Equity capital to assets | 9.2269% | 4,385 |
| Core capital (leverage) ratio | 9.1695% | 4,487 |
| Tier 1 risk-based capital ratio | 11.9710% | 4,440 |
| Total risk-based capital ratio | 13.2213% | 4,338 |
| Memoranda: | ||
| Average total assets | $11,996,763,000 | 119 |
| Average earning assets | $11,221,144,200 | 114 |
| Average equity | $1,126,523,800 | 150 |
| Average total loans | $8,162,735,000 | 124 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,718 |
| Cost of funding earning assets | 0.6320% | 2,258 |
| Net interest margin | 3.4424% | 3,883 |
| Noninterest income to average assets | 0.7601% | 1,631 |
| Noninterest expense to average assets | 2.3694% | 3,927 |
| Loan and lease loss provision to assets | 0.0273% | 3,460 |
| Net operating income to assets | 1.3034% | 1,841 |
| Return on assets (ROA) | 1.3100% | 1,818 |
| Pretax return on assets | 1.5934% | 1,604 |
| Return on Equity (ROE) | 13.8897% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.8897% | 263 |
| Net charge-offs to loans | 0.0103% | 3,059 |
| Credit loss provision to net charge-offs | 388.8889% | 838 |
| Earnings coverage of net charge-offs (x) | 229.7140% | 399 |
| Efficiency ratio | 59.4108% | 3,904 |
| Assets per employee ($millions) | 7.4991% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,885 |
| Loan loss allowance to noncurrent loans | 165.5891% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 2,472 |
| Noncurrent loans to loans | 0.8153% | 2,074 |
| Net loans and leases to total assets | 67.1208% | 3,061 |
| Net loans and leases to deposits | 81.5654% | 2,866 |
| Net loans and leases to core deposits | 91.9899% | 2,484 |
| Total domestic deposits to total assets | 82.2908% | 3,525 |
| Equity capital to assets | 9.6167% | 3,983 |
| Core capital (leverage) ratio | 9.7680% | 3,882 |
| Tier 1 risk-based capital ratio | 12.5756% | 4,170 |
| Total risk-based capital ratio | 13.8260% | 4,053 |
| Memoranda: | ||
| Average total assets | $11,965,324,000 | 118 |
| Average earning assets | $11,199,002,250 | 112 |
| Average equity | $1,128,521,250 | 150 |
| Average total loans | $8,163,835,500 | 122 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,733 |
| Cost of funding earning assets | 0.5853% | 2,327 |
| Net interest margin | 3.4315% | 3,856 |
| Noninterest income to average assets | 0.7567% | 1,619 |
| Noninterest expense to average assets | 2.3697% | 3,976 |
| Loan and lease loss provision to assets | 0.0504% | 2,910 |
| Net operating income to assets | 1.2931% | 1,798 |
| Return on assets (ROA) | 1.3032% | 1,755 |
| Pretax return on assets | 1.5635% | 1,625 |
| Return on Equity (ROE) | 13.9093% | 1,096 |
| Retained earnings to average equity (ytd only) | 13.9093% | 290 |
| Net charge-offs to loans | -0.0312% | 4,751 |
| Credit loss provision to net charge-offs | -236.3208% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5758% | 3,996 |
| Assets per employee ($millions) | 7.3344% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,816 |
| Loan loss allowance to noncurrent loans | 194.2440% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,717 |
| Noncurrent loans to loans | 0.7110% | 2,332 |
| Net loans and leases to total assets | 67.2963% | 2,975 |
| Net loans and leases to deposits | 78.1126% | 3,146 |
| Net loans and leases to core deposits | 90.9055% | 2,496 |
| Total domestic deposits to total assets | 86.1529% | 2,211 |
| Equity capital to assets | 9.4829% | 4,122 |
| Core capital (leverage) ratio | 9.3924% | 4,258 |
| Tier 1 risk-based capital ratio | 12.2946% | 4,313 |
| Total risk-based capital ratio | 13.5455% | 4,193 |
| Memoranda: | ||
| Average total assets | $11,936,729,000 | 115 |
| Average earning assets | $11,182,893,000 | 111 |
| Average equity | $1,118,388,330 | 148 |
| Average total loans | $8,151,948,330 | 121 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,913 |
| Cost of funding earning assets | 0.5005% | 2,792 |
| Net interest margin | 3.4055% | 3,871 |
| Noninterest income to average assets | 0.7686% | 1,549 |
| Noninterest expense to average assets | 2.3727% | 4,012 |
| Loan and lease loss provision to assets | 0.0529% | 2,715 |
| Net operating income to assets | 1.2543% | 1,793 |
| Return on assets (ROA) | 1.2477% | 1,826 |
| Pretax return on assets | 1.5279% | 1,601 |
| Return on Equity (ROE) | 13.3991% | 1,162 |
| Retained earnings to average equity (ytd only) | 13.3991% | 469 |
| Net charge-offs to loans | -0.0669% | 5,091 |
| Credit loss provision to net charge-offs | -115.8088% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8005% | 4,090 |
| Assets per employee ($millions) | 7.2447% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 1,925 |
| Loan loss allowance to noncurrent loans | 191.6424% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,830 |
| Noncurrent loans to loans | 0.7190% | 2,413 |
| Net loans and leases to total assets | 67.3129% | 2,849 |
| Net loans and leases to deposits | 78.7972% | 2,938 |
| Net loans and leases to core deposits | 97.1522% | 1,895 |
| Total domestic deposits to total assets | 85.4255% | 2,783 |
| Equity capital to assets | 9.3221% | 4,248 |
| Core capital (leverage) ratio | 9.2055% | 4,428 |
| Tier 1 risk-based capital ratio | 11.9313% | 4,587 |
| Total risk-based capital ratio | 13.1821% | 4,486 |
| Memoranda: | ||
| Average total assets | $11,901,924,000 | 116 |
| Average earning assets | $11,159,211,000 | 111 |
| Average equity | $1,108,310,500 | 145 |
| Average total loans | $8,131,438,500 | 120 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,856 |
| Cost of funding earning assets | 0.3681% | 3,539 |
| Net interest margin | 3.4904% | 3,561 |
| Noninterest income to average assets | 0.7285% | 1,850 |
| Noninterest expense to average assets | 2.4251% | 4,003 |
| Loan and lease loss provision to assets | 0.0650% | 2,913 |
| Net operating income to assets | 1.0952% | 1,871 |
| Return on assets (ROA) | 1.0919% | 1,902 |
| Pretax return on assets | 1.5172% | 1,570 |
| Return on Equity (ROE) | 11.6678% | 1,298 |
| Retained earnings to average equity (ytd only) | 4.3345% | 2,554 |
| Net charge-offs to loans | 0.0671% | 2,505 |
| Credit loss provision to net charge-offs | 139.1256% | 1,902 |
| Earnings coverage of net charge-offs (x) | 33.9748% | 1,417 |
| Efficiency ratio | 60.3564% | 4,207 |
| Assets per employee ($millions) | 7.1909% | 892 |
| Cash dividends to net income (ytd only)* | 62.8506% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,044 |
| Loan loss allowance to noncurrent loans | 154.3050% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,519 |
| Noncurrent loans to loans | 0.8659% | 2,063 |
| Net loans and leases to total assets | 67.4735% | 2,894 |
| Net loans and leases to deposits | 78.4192% | 3,072 |
| Net loans and leases to core deposits | 94.7685% | 2,129 |
| Total domestic deposits to total assets | 86.0420% | 2,414 |
| Equity capital to assets | 9.3020% | 4,424 |
| Core capital (leverage) ratio | 8.9525% | 4,703 |
| Tier 1 risk-based capital ratio | 11.5341% | 4,829 |
| Total risk-based capital ratio | 12.7845% | 4,725 |
| Memoranda: | ||
| Average total assets | $11,657,122,400 | 112 |
| Average earning assets | $10,965,122,600 | 109 |
| Average equity | $1,090,917,600 | 143 |
| Average total loans | $8,117,450,200 | 113 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,851 |
| Cost of funding earning assets | 0.3516% | 3,651 |
| Net interest margin | 3.4932% | 3,526 |
| Noninterest income to average assets | 0.7344% | 1,853 |
| Noninterest expense to average assets | 2.3946% | 4,031 |
| Loan and lease loss provision to assets | 0.0533% | 3,034 |
| Net operating income to assets | 1.1052% | 2,067 |
| Return on assets (ROA) | 1.1236% | 2,041 |
| Pretax return on assets | 1.6028% | 1,409 |
| Return on Equity (ROE) | 11.9875% | 1,340 |
| Retained earnings to average equity (ytd only) | 2.1708% | 4,559 |
| Net charge-offs to loans | 0.0181% | 3,133 |
| Credit loss provision to net charge-offs | 420.4896% | 742 |
| Earnings coverage of net charge-offs (x) | 128.4805% | 601 |
| Efficiency ratio | 59.4068% | 4,306 |
| Assets per employee ($millions) | 7.0935% | 914 |
| Cash dividends to net income (ytd only)* | 81.8909% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,123 |
| Loan loss allowance to noncurrent loans | 174.0510% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 2,845 |
| Noncurrent loans to loans | 0.7751% | 2,427 |
| Net loans and leases to total assets | 68.8941% | 2,712 |
| Net loans and leases to deposits | 82.5191% | 2,718 |
| Net loans and leases to core deposits | 97.6695% | 1,911 |
| Total domestic deposits to total assets | 83.4886% | 3,292 |
| Equity capital to assets | 9.2756% | 4,663 |
| Core capital (leverage) ratio | 8.7280% | 5,029 |
| Tier 1 risk-based capital ratio | 11.1123% | 5,180 |
| Total risk-based capital ratio | 12.3629% | 5,070 |
| Memoranda: | ||
| Average total assets | $11,592,588,250 | 111 |
| Average earning assets | $10,918,522,500 | 109 |
| Average equity | $1,086,558,000 | 145 |
| Average total loans | $8,109,685,250 | 112 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 3,929 |
| Cost of funding earning assets | 0.3299% | 3,792 |
| Net interest margin | 3.4590% | 3,551 |
| Noninterest income to average assets | 0.7315% | 1,853 |
| Noninterest expense to average assets | 2.3697% | 4,147 |
| Loan and lease loss provision to assets | 0.0803% | 2,384 |
| Net operating income to assets | 1.0860% | 2,052 |
| Return on assets (ROA) | 1.0860% | 2,101 |
| Pretax return on assets | 1.5406% | 1,523 |
| Return on Equity (ROE) | 11.5464% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.5464% | 366 |
| Net charge-offs to loans | 0.0408% | 2,378 |
| Credit loss provision to net charge-offs | 280.7506% | 1,008 |
| Earnings coverage of net charge-offs (x) | 56.6895% | 987 |
| Efficiency ratio | 59.2870% | 4,426 |
| Assets per employee ($millions) | 6.9658% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,276 |
| Loan loss allowance to noncurrent loans | 233.5405% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,440 |
| Noncurrent loans to loans | 0.5692% | 3,024 |
| Net loans and leases to total assets | 69.0996% | 2,650 |
| Net loans and leases to deposits | 83.8812% | 2,495 |
| Net loans and leases to core deposits | 101.4639% | 1,553 |
| Total domestic deposits to total assets | 82.3779% | 3,776 |
| Equity capital to assets | 9.6199% | 4,296 |
| Core capital (leverage) ratio | 9.2388% | 4,447 |
| Tier 1 risk-based capital ratio | 11.5252% | 4,939 |
| Total risk-based capital ratio | 12.7755% | 4,835 |
| Memoranda: | ||
| Average total assets | $11,555,351,330 | 110 |
| Average earning assets | $10,887,707,670 | 109 |
| Average equity | $1,086,862,330 | 140 |
| Average total loans | $8,088,299,000 | 111 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,020 |
| Cost of funding earning assets | 0.3085% | 3,954 |
| Net interest margin | 3.4186% | 3,580 |
| Noninterest income to average assets | 0.7216% | 1,862 |
| Noninterest expense to average assets | 2.4216% | 4,053 |
| Loan and lease loss provision to assets | 0.0601% | 2,597 |
| Net operating income to assets | 1.0405% | 2,115 |
| Return on assets (ROA) | 1.0405% | 2,166 |
| Pretax return on assets | 1.4632% | 1,652 |
| Return on Equity (ROE) | 11.1937% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.1937% | 574 |
| Net charge-offs to loans | 0.0602% | 1,733 |
| Credit loss provision to net charge-offs | 142.8571% | 1,245 |
| Earnings coverage of net charge-offs (x) | 36.1852% | 1,100 |
| Efficiency ratio | 61.2884% | 4,268 |
| Assets per employee ($millions) | 6.8206% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,330 |
| Loan loss allowance to noncurrent loans | 186.8331% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 3,128 |
| Noncurrent loans to loans | 0.7187% | 2,696 |
| Net loans and leases to total assets | 69.2269% | 2,502 |
| Net loans and leases to deposits | 82.6339% | 2,443 |
| Net loans and leases to core deposits | 100.5305% | 1,469 |
| Total domestic deposits to total assets | 83.7754% | 3,562 |
| Equity capital to assets | 9.5212% | 4,270 |
| Core capital (leverage) ratio | 9.0863% | 4,636 |
| Tier 1 risk-based capital ratio | 11.3941% | 5,093 |
| Total risk-based capital ratio | 12.6445% | 4,992 |
| Memoranda: | ||
| Average total assets | $11,439,935,500 | 109 |
| Average earning assets | $10,786,513,000 | 109 |
| Average equity | $1,063,383,500 | 142 |
| Average total loans | $8,005,482,500 | 112 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,040 |
| Cost of funding earning assets | 0.2652% | 4,411 |
| Net interest margin | 3.4897% | 3,473 |
| Noninterest income to average assets | 0.8035% | 1,738 |
| Noninterest expense to average assets | 2.5052% | 3,993 |
| Loan and lease loss provision to assets | 0.1004% | 2,370 |
| Net operating income to assets | 1.0664% | 2,054 |
| Return on assets (ROA) | 1.0904% | 2,035 |
| Pretax return on assets | 1.5256% | 1,507 |
| Return on Equity (ROE) | 11.4173% | 1,430 |
| Retained earnings to average equity (ytd only) | 2.0156% | 4,393 |
| Net charge-offs to loans | 0.0332% | 3,362 |
| Credit loss provision to net charge-offs | 432.4178% | 738 |
| Earnings coverage of net charge-offs (x) | 68.6012% | 808 |
| Efficiency ratio | 61.0445% | 4,412 |
| Assets per employee ($millions) | 6.9213% | 956 |
| Cash dividends to net income (ytd only)* | 82.3459% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,379 |
| Loan loss allowance to noncurrent loans | 200.0244% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 3,308 |
| Noncurrent loans to loans | 0.6651% | 2,864 |
| Net loans and leases to total assets | 68.8611% | 2,637 |
| Net loans and leases to deposits | 84.2299% | 2,388 |
| Net loans and leases to core deposits | 100.8810% | 1,551 |
| Total domestic deposits to total assets | 81.7537% | 4,142 |
| Equity capital to assets | 9.0718% | 4,743 |
| Core capital (leverage) ratio | 8.8221% | 4,942 |
| Tier 1 risk-based capital ratio | 11.0423% | 5,323 |
| Total risk-based capital ratio | 12.2927% | 5,211 |
| Memoranda: | ||
| Average total assets | $11,137,237,400 | 106 |
| Average earning assets | $10,512,495,400 | 105 |
| Average equity | $1,063,642,400 | 138 |
| Average total loans | $7,791,416,800 | 110 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,037 |
| Cost of funding earning assets | 0.2636% | 4,466 |
| Net interest margin | 3.5006% | 3,464 |
| Noninterest income to average assets | 0.7765% | 1,861 |
| Noninterest expense to average assets | 2.4622% | 4,098 |
| Loan and lease loss provision to assets | 0.0915% | 2,399 |
| Net operating income to assets | 1.0779% | 2,090 |
| Return on assets (ROA) | 1.1101% | 2,056 |
| Pretax return on assets | 1.5709% | 1,461 |
| Return on Equity (ROE) | 11.4739% | 1,498 |
| Retained earnings to average equity (ytd only) | -1.0006% | 5,493 |
| Net charge-offs to loans | -0.0267% | 5,113 |
| Credit loss provision to net charge-offs | -489.6641% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2630% | 4,503 |
| Assets per employee ($millions) | 6.8468% | 944 |
| Cash dividends to net income (ytd only)* | 108.7205% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,476 |
| Loan loss allowance to noncurrent loans | 185.9287% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 3,281 |
| Noncurrent loans to loans | 0.7220% | 2,867 |
| Net loans and leases to total assets | 69.0772% | 2,627 |
| Net loans and leases to deposits | 85.5480% | 2,308 |
| Net loans and leases to core deposits | 102.8587% | 1,427 |
| Total domestic deposits to total assets | 80.7467% | 4,308 |
| Equity capital to assets | 9.4623% | 4,698 |
| Core capital (leverage) ratio | 8.6009% | 5,259 |
| Tier 1 risk-based capital ratio | 10.8426% | 5,460 |
| Total risk-based capital ratio | 12.0931% | 5,368 |
| Memoranda: | ||
| Average total assets | $11,047,488,250 | 106 |
| Average earning assets | $10,423,047,000 | 105 |
| Average equity | $1,068,825,500 | 136 |
| Average total loans | $7,733,478,250 | 109 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 4,087 |
| Cost of funding earning assets | 0.2533% | 4,626 |
| Net interest margin | 3.5082% | 3,462 |
| Noninterest income to average assets | 0.7290% | 2,012 |
| Noninterest expense to average assets | 2.4688% | 4,123 |
| Loan and lease loss provision to assets | 0.0841% | 2,461 |
| Net operating income to assets | 1.0489% | 2,182 |
| Return on assets (ROA) | 1.0883% | 2,126 |
| Pretax return on assets | 1.5411% | 1,555 |
| Return on Equity (ROE) | 11.1630% | 1,586 |
| Retained earnings to average equity (ytd only) | -1.0423% | 5,443 |
| Net charge-offs to loans | -0.0417% | 5,291 |
| Credit loss provision to net charge-offs | -288.2611% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0322% | 4,508 |
| Assets per employee ($millions) | 6.7429% | 979 |
| Cash dividends to net income (ytd only)* | 109.3374% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,606 |
| Loan loss allowance to noncurrent loans | 174.4849% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 3,299 |
| Noncurrent loans to loans | 0.7638% | 2,836 |
| Net loans and leases to total assets | 68.5170% | 2,705 |
| Net loans and leases to deposits | 87.7567% | 2,025 |
| Net loans and leases to core deposits | 105.4824% | 1,221 |
| Total domestic deposits to total assets | 78.0761% | 4,987 |
| Equity capital to assets | 9.6361% | 4,627 |
| Core capital (leverage) ratio | 8.9367% | 4,899 |
| Tier 1 risk-based capital ratio | 11.0951% | 5,366 |
| Total risk-based capital ratio | 12.3454% | 5,285 |
| Memoranda: | ||
| Average total assets | $10,925,453,670 | 107 |
| Average earning assets | $10,306,472,000 | 105 |
| Average equity | $1,065,105,000 | 135 |
| Average total loans | $7,647,480,670 | 109 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,041 |
| Cost of funding earning assets | 0.2433% | 4,770 |
| Net interest margin | 3.5318% | 3,354 |
| Noninterest income to average assets | 0.6540% | 2,243 |
| Noninterest expense to average assets | 2.4593% | 4,199 |
| Loan and lease loss provision to assets | 0.1235% | 1,714 |
| Net operating income to assets | 1.0014% | 2,271 |
| Return on assets (ROA) | 1.0405% | 2,235 |
| Pretax return on assets | 1.4593% | 1,722 |
| Return on Equity (ROE) | 10.6086% | 1,741 |
| Retained earnings to average equity (ytd only) | -14.0485% | 5,893 |
| Net charge-offs to loans | -0.0615% | 5,433 |
| Credit loss provision to net charge-offs | -285.9604% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5792% | 4,514 |
| Assets per employee ($millions) | 6.6131% | 1,053 |
| Cash dividends to net income (ytd only)* | 232.4251% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,675 |
| Loan loss allowance to noncurrent loans | 162.5580% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 3,186 |
| Noncurrent loans to loans | 0.8282% | 2,768 |
| Net loans and leases to total assets | 69.2586% | 2,463 |
| Net loans and leases to deposits | 85.6361% | 2,102 |
| Net loans and leases to core deposits | 102.3606% | 1,307 |
| Total domestic deposits to total assets | 80.8755% | 4,531 |
| Equity capital to assets | 9.5598% | 4,608 |
| Core capital (leverage) ratio | 8.9168% | 4,950 |
| Tier 1 risk-based capital ratio | 10.9961% | 5,508 |
| Total risk-based capital ratio | 12.2466% | 5,417 |
| Memoranda: | ||
| Average total assets | $10,751,089,000 | 107 |
| Average earning assets | $10,146,677,500 | 106 |
| Average equity | $1,054,461,500 | 137 |
| Average total loans | $7,556,689,000 | 108 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 3,737 |
| Cost of funding earning assets | 0.1972% | 5,309 |
| Net interest margin | 3.6940% | 2,769 |
| Noninterest income to average assets | 0.8801% | 1,502 |
| Noninterest expense to average assets | 2.6484% | 3,761 |
| Loan and lease loss provision to assets | 0.1352% | 1,764 |
| Net operating income to assets | 1.1438% | 1,750 |
| Return on assets (ROA) | 1.1528% | 1,794 |
| Pretax return on assets | 1.5901% | 1,278 |
| Return on Equity (ROE) | 11.4048% | 1,465 |
| Retained earnings to average equity (ytd only) | 9.9171% | 471 |
| Net charge-offs to loans | 0.1325% | 2,036 |
| Credit loss provision to net charge-offs | 140.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 17.7410% | 2,054 |
| Efficiency ratio | 60.6328% | 4,813 |
| Assets per employee ($millions) | 7.4849% | 709 |
| Cash dividends to net income (ytd only)* | 13.0450% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,837 |
| Loan loss allowance to noncurrent loans | 155.8505% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 3,113 |
| Noncurrent loans to loans | 0.8408% | 2,685 |
| Net loans and leases to total assets | 69.4511% | 2,459 |
| Net loans and leases to deposits | 86.4273% | 2,071 |
| Net loans and leases to core deposits | 99.9072% | 1,504 |
| Total domestic deposits to total assets | 80.3579% | 4,650 |
| Equity capital to assets | 10.0611% | 3,890 |
| Core capital (leverage) ratio | 9.4762% | 4,209 |
| Tier 1 risk-based capital ratio | 11.7025% | 5,132 |
| Total risk-based capital ratio | 12.9526% | 5,052 |
| Memoranda: | ||
| Average total assets | $9,974,177,400 | 107 |
| Average earning assets | $9,399,462,400 | 106 |
| Average equity | $1,008,231,800 | 134 |
| Average total loans | $7,267,743,000 | 107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 3,667 |
| Cost of funding earning assets | 0.1956% | 5,415 |
| Net interest margin | 3.7279% | 2,655 |
| Noninterest income to average assets | 0.9026% | 1,443 |
| Noninterest expense to average assets | 2.6249% | 3,783 |
| Loan and lease loss provision to assets | 0.1319% | 1,704 |
| Net operating income to assets | 1.1468% | 1,843 |
| Return on assets (ROA) | 1.1584% | 1,872 |
| Pretax return on assets | 1.6748% | 1,175 |
| Return on Equity (ROE) | 11.4450% | 1,553 |
| Retained earnings to average equity (ytd only) | 9.4301% | 753 |
| Net charge-offs to loans | 0.0627% | 2,694 |
| Credit loss provision to net charge-offs | 285.7985% | 1,009 |
| Earnings coverage of net charge-offs (x) | 38.7902% | 1,278 |
| Efficiency ratio | 59.3669% | 4,962 |
| Assets per employee ($millions) | 7.3391% | 738 |
| Cash dividends to net income (ytd only)* | 17.6052% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,797 |
| Loan loss allowance to noncurrent loans | 174.6021% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 3,453 |
| Noncurrent loans to loans | 0.7778% | 3,019 |
| Net loans and leases to total assets | 71.2759% | 2,180 |
| Net loans and leases to deposits | 88.7779% | 1,800 |
| Net loans and leases to core deposits | 99.1448% | 1,589 |
| Total domestic deposits to total assets | 80.2856% | 4,674 |
| Equity capital to assets | 10.2132% | 3,914 |
| Core capital (leverage) ratio | 9.4018% | 4,442 |
| Tier 1 risk-based capital ratio | 11.5478% | 5,347 |
| Total risk-based capital ratio | 12.7986% | 5,271 |
| Memoranda: | ||
| Average total assets | $9,806,834,500 | 112 |
| Average earning assets | $9,239,494,500 | 109 |
| Average equity | $992,574,000 | 138 |
| Average total loans | $7,212,125,000 | 110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,527 |
| Cost of funding earning assets | 0.1937% | 5,502 |
| Net interest margin | 3.7477% | 2,520 |
| Noninterest income to average assets | 0.9005% | 1,443 |
| Noninterest expense to average assets | 2.6342% | 3,799 |
| Loan and lease loss provision to assets | 0.0828% | 2,459 |
| Net operating income to assets | 1.1871% | 1,643 |
| Return on assets (ROA) | 1.1946% | 1,695 |
| Pretax return on assets | 1.7246% | 1,037 |
| Return on Equity (ROE) | 11.8412% | 1,421 |
| Retained earnings to average equity (ytd only) | 8.7624% | 1,001 |
| Net charge-offs to loans | 0.0319% | 3,024 |
| Credit loss provision to net charge-offs | 351.1853% | 826 |
| Earnings coverage of net charge-offs (x) | 76.1703% | 733 |
| Efficiency ratio | 59.3678% | 5,066 |
| Assets per employee ($millions) | 6.9202% | 856 |
| Cash dividends to net income (ytd only)* | 26.0010% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 3,173 |
| Loan loss allowance to noncurrent loans | 182.2973% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 3,647 |
| Noncurrent loans to loans | 0.7205% | 3,324 |
| Net loans and leases to total assets | 73.0577% | 1,810 |
| Net loans and leases to deposits | 93.0275% | 1,251 |
| Net loans and leases to core deposits | 101.9411% | 1,330 |
| Total domestic deposits to total assets | 78.5335% | 5,179 |
| Equity capital to assets | 10.0881% | 3,933 |
| Core capital (leverage) ratio | 9.2471% | 4,623 |
| Tier 1 risk-based capital ratio | 10.5621% | 5,896 |
| Total risk-based capital ratio | 11.7836% | 5,855 |
| Memoranda: | ||
| Average total assets | $9,658,221,670 | 118 |
| Average earning assets | $9,098,073,000 | 113 |
| Average equity | $974,391,670 | 143 |
| Average total loans | $7,146,736,330 | 112 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 3,596 |
| Cost of funding earning assets | 0.1907% | 5,592 |
| Net interest margin | 3.7117% | 2,578 |
| Noninterest income to average assets | 0.9060% | 1,368 |
| Noninterest expense to average assets | 2.6363% | 3,801 |
| Loan and lease loss provision to assets | 0.0632% | 2,663 |
| Net operating income to assets | 1.1806% | 1,602 |
| Return on assets (ROA) | 1.1868% | 1,686 |
| Pretax return on assets | 1.7159% | 1,017 |
| Return on Equity (ROE) | 11.7634% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.7634% | 602 |
| Net charge-offs to loans | 0.0123% | 2,943 |
| Credit loss provision to net charge-offs | 694.4444% | 431 |
| Earnings coverage of net charge-offs (x) | 194.4352% | 287 |
| Efficiency ratio | 59.7603% | 5,123 |
| Assets per employee ($millions) | 6.8362% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,277 |
| Loan loss allowance to noncurrent loans | 182.6699% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 3,682 |
| Noncurrent loans to loans | 0.7252% | 3,446 |
| Net loans and leases to total assets | 72.4699% | 1,737 |
| Net loans and leases to deposits | 90.0291% | 1,389 |
| Net loans and leases to core deposits | 97.6416% | 1,505 |
| Total domestic deposits to total assets | 80.4961% | 4,936 |
| Equity capital to assets | 10.2186% | 3,860 |
| Core capital (leverage) ratio | 9.5308% | 4,225 |
| Tier 1 risk-based capital ratio | 11.2290% | 5,697 |
| Total risk-based capital ratio | 11.2290% | 6,128 |
| Memoranda: | ||
| Average total assets | $9,490,965,500 | 122 |
| Average earning assets | $8,950,317,500 | 112 |
| Average equity | $957,547,000 | 145 |
| Average total loans | $7,021,295,500 | 113 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 4,220 |
| Cost of funding earning assets | 0.2176% | 5,610 |
| Net interest margin | 3.6579% | 3,188 |
| Noninterest income to average assets | 0.7057% | 2,276 |
| Noninterest expense to average assets | 2.4849% | 4,595 |
| Loan and lease loss provision to assets | 0.0935% | 2,595 |
| Net operating income to assets | 1.0847% | 2,037 |
| Return on assets (ROA) | 1.1133% | 1,981 |
| Pretax return on assets | 1.5818% | 1,290 |
| Return on Equity (ROE) | 11.6539% | 1,507 |
| Retained earnings to average equity (ytd only) | 9.5021% | 602 |
| Net charge-offs to loans | 0.0623% | 3,600 |
| Credit loss provision to net charge-offs | 204.4455% | 1,209 |
| Earnings coverage of net charge-offs (x) | 35.7330% | 1,183 |
| Efficiency ratio | 60.3223% | 5,173 |
| Assets per employee ($millions) | 9.3547% | 300 |
| Cash dividends to net income (ytd only)* | 18.4641% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 3,038 |
| Loan loss allowance to noncurrent loans | 202.8787% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 3,878 |
| Noncurrent loans to loans | 0.6807% | 3,641 |
| Net loans and leases to total assets | 73.5238% | 1,664 |
| Net loans and leases to deposits | 91.5936% | 1,329 |
| Net loans and leases to core deposits | 98.2807% | 1,529 |
| Total domestic deposits to total assets | 80.2718% | 4,944 |
| Equity capital to assets | 9.9500% | 4,177 |
| Core capital (leverage) ratio | 9.3802% | 4,415 |
| Tier 1 risk-based capital ratio | 11.5339% | 5,641 |
| Total risk-based capital ratio | 12.7855% | 5,557 |
| Memoranda: | ||
| Average total assets | $9,048,685,000 | 119 |
| Average earning assets | $8,444,743,000 | 115 |
| Average equity | $864,394,800 | 149 |
| Average total loans | $6,642,127,400 | 112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 5,506 |
| Cost of funding earning assets | 0.1390% | 6,248 |
| Net interest margin | 3.3091% | 4,569 |
| Noninterest income to average assets | 0.6583% | 2,531 |
| Noninterest expense to average assets | 2.2380% | 5,259 |
| Loan and lease loss provision to assets | 0.0665% | 3,018 |
| Net operating income to assets | 1.0076% | 2,420 |
| Return on assets (ROA) | 1.0152% | 2,443 |
| Pretax return on assets | 1.3970% | 2,018 |
| Return on Equity (ROE) | 10.7983% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.2838% | 1,683 |
| Net charge-offs to loans | 0.1462% | 2,335 |
| Credit loss provision to net charge-offs | 69.4253% | 2,775 |
| Earnings coverage of net charge-offs (x) | 15.1632% | 2,077 |
| Efficiency ratio | 60.6345% | 5,103 |
| Assets per employee ($millions) | 13.9210% | 94 |
| Cash dividends to net income (ytd only)* | 32.5464% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 2,996 |
| Loan loss allowance to noncurrent loans | 152.4619% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 3,913 |
| Noncurrent loans to loans | 0.9444% | 3,204 |
| Net loans and leases to total assets | 55.4913% | 4,397 |
| Net loans and leases to deposits | 77.3950% | 3,018 |
| Net loans and leases to core deposits | 82.2403% | 3,084 |
| Total domestic deposits to total assets | 71.6989% | 6,185 |
| Equity capital to assets | 8.2382% | 5,987 |
| Core capital (leverage) ratio | 8.1947% | 5,941 |
| Tier 1 risk-based capital ratio | 10.4444% | 6,224 |
| Total risk-based capital ratio | 11.6953% | 6,174 |
| Memoranda: | ||
| Average total assets | $3,026,336,000 | 264 |
| Average earning assets | $2,773,548,250 | 261 |
| Average equity | $284,532,500 | 303 |
| Average total loans | $1,983,535,000 | 266 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 5,097 |
| Cost of funding earning assets | 0.1461% | 6,286 |
| Net interest margin | 3.4717% | 3,886 |
| Noninterest income to average assets | 0.6975% | 2,293 |
| Noninterest expense to average assets | 2.3937% | 4,899 |
| Loan and lease loss provision to assets | 0.2163% | 1,088 |
| Net operating income to assets | 0.9450% | 2,572 |
| Return on assets (ROA) | 0.9532% | 2,631 |
| Pretax return on assets | 1.2707% | 2,365 |
| Return on Equity (ROE) | 9.6401% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.0878% | 2,266 |
| Net charge-offs to loans | 0.2975% | 1,352 |
| Credit loss provision to net charge-offs | 104.7635% | 1,909 |
| Earnings coverage of net charge-offs (x) | 7.1501% | 2,675 |
| Efficiency ratio | 61.8551% | 5,034 |
| Assets per employee ($millions) | 11.0053% | 181 |
| Cash dividends to net income (ytd only)* | 36.8487% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 3,041 |
| Loan loss allowance to noncurrent loans | 145.5780% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 3,516 |
| Noncurrent loans to loans | 1.0083% | 3,221 |
| Net loans and leases to total assets | 69.1306% | 2,216 |
| Net loans and leases to deposits | 82.5259% | 2,192 |
| Net loans and leases to core deposits | 85.0617% | 2,607 |
| Total domestic deposits to total assets | 83.7684% | 4,008 |
| Equity capital to assets | 9.9651% | 4,160 |
| Core capital (leverage) ratio | 8.7398% | 5,350 |
| Tier 1 risk-based capital ratio | 10.6352% | 6,208 |
| Total risk-based capital ratio | 11.8874% | 6,151 |
| Memoranda: | ||
| Average total assets | $2,847,188,330 | 274 |
| Average earning assets | $2,601,676,000 | 272 |
| Average equity | $281,512,330 | 303 |
| Average total loans | $1,975,887,000 | 266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 5,302 |
| Cost of funding earning assets | 0.1555% | 6,325 |
| Net interest margin | 3.3927% | 4,151 |
| Noninterest income to average assets | 0.6782% | 2,300 |
| Noninterest expense to average assets | 2.4112% | 4,895 |
| Loan and lease loss provision to assets | 0.2611% | 805 |
| Net operating income to assets | 0.8469% | 2,912 |
| Return on assets (ROA) | 0.8743% | 2,843 |
| Pretax return on assets | 1.1607% | 2,654 |
| Return on Equity (ROE) | 8.8786% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.2893% | 2,923 |
| Net charge-offs to loans | 0.4714% | 771 |
| Credit loss provision to net charge-offs | 80.2694% | 1,899 |
| Earnings coverage of net charge-offs (x) | 4.2577% | 2,552 |
| Efficiency ratio | 63.5135% | 4,935 |
| Assets per employee ($millions) | 10.8465% | 193 |
| Cash dividends to net income (ytd only)* | 40.4269% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 3,288 |
| Loan loss allowance to noncurrent loans | 134.8142% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 3,591 |
| Noncurrent loans to loans | 1.0899% | 3,237 |
| Net loans and leases to total assets | 68.1475% | 2,195 |
| Net loans and leases to deposits | 83.4850% | 1,879 |
| Net loans and leases to core deposits | 85.1767% | 2,400 |
| Total domestic deposits to total assets | 81.6284% | 5,047 |
| Equity capital to assets | 9.8175% | 4,077 |
| Core capital (leverage) ratio | 8.7140% | 5,366 |
| Tier 1 risk-based capital ratio | 10.7944% | 6,244 |
| Total risk-based capital ratio | 12.0468% | 6,203 |
| Memoranda: | ||
| Average total assets | $2,829,083,000 | 273 |
| Average earning assets | $2,600,200,500 | 271 |
| Average equity | $278,601,000 | 303 |
| Average total loans | $1,952,327,000 | 262 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 5,468 |
| Cost of funding earning assets | 0.2251% | 6,147 |
| Net interest margin | 3.3504% | 4,482 |
| Noninterest income to average assets | 0.7436% | 2,319 |
| Noninterest expense to average assets | 2.5282% | 4,677 |
| Loan and lease loss provision to assets | 0.2165% | 1,687 |
| Net operating income to assets | 0.8093% | 3,246 |
| Return on assets (ROA) | 0.8222% | 3,272 |
| Pretax return on assets | 1.1094% | 2,918 |
| Return on Equity (ROE) | 8.6533% | 2,725 |
| Retained earnings to average equity (ytd only) | 7.8972% | 1,091 |
| Net charge-offs to loans | 0.3033% | 2,169 |
| Credit loss provision to net charge-offs | 105.4943% | 2,288 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 3,078 |
| Efficiency ratio | 65.8934% | 4,581 |
| Assets per employee ($millions) | 10.1257% | 219 |
| Cash dividends to net income (ytd only)* | 8.7374% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,028 |
| Loan loss allowance to noncurrent loans | 119.0438% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 3,215 |
| Noncurrent loans to loans | 1.2903% | 2,976 |
| Net loans and leases to total assets | 67.7932% | 2,392 |
| Net loans and leases to deposits | 80.3769% | 2,405 |
| Net loans and leases to core deposits | 82.0228% | 2,895 |
| Total domestic deposits to total assets | 84.3442% | 4,038 |
| Equity capital to assets | 9.8787% | 3,926 |
| Core capital (leverage) ratio | 8.2761% | 5,900 |
| Tier 1 risk-based capital ratio | 10.9040% | 6,218 |
| Total risk-based capital ratio | 12.1572% | 6,163 |
| Memoranda: | ||
| Average total assets | $2,784,157,000 | 271 |
| Average earning assets | $2,570,316,600 | 268 |
| Average equity | $264,523,000 | 306 |
| Average total loans | $1,884,174,800 | 265 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5765% | 5,509 |
| Cost of funding earning assets | 0.2414% | 6,148 |
| Net interest margin | 3.3351% | 4,512 |
| Noninterest income to average assets | 0.7974% | 2,161 |
| Noninterest expense to average assets | 2.5101% | 4,688 |
| Loan and lease loss provision to assets | 0.2323% | 1,555 |
| Net operating income to assets | 0.8300% | 3,195 |
| Return on assets (ROA) | 0.8469% | 3,231 |
| Pretax return on assets | 1.1603% | 2,849 |
| Return on Equity (ROE) | 9.0042% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.9850% | 1,413 |
| Net charge-offs to loans | 0.3420% | 1,836 |
| Credit loss provision to net charge-offs | 100.8113% | 2,320 |
| Earnings coverage of net charge-offs (x) | 5.9428% | 3,068 |
| Efficiency ratio | 64.7025% | 4,696 |
| Assets per employee ($millions) | 9.8025% | 244 |
| Cash dividends to net income (ytd only)* | 11.3193% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 3,306 |
| Loan loss allowance to noncurrent loans | 129.3458% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 3,765 |
| Noncurrent loans to loans | 1.1868% | 3,444 |
| Net loans and leases to total assets | 65.1672% | 2,773 |
| Net loans and leases to deposits | 75.9656% | 2,968 |
| Net loans and leases to core deposits | 77.4805% | 3,427 |
| Total domestic deposits to total assets | 85.7852% | 3,361 |
| Equity capital to assets | 9.3009% | 4,806 |
| Core capital (leverage) ratio | 8.2365% | 6,028 |
| Tier 1 risk-based capital ratio | 10.6671% | 6,404 |
| Total risk-based capital ratio | 11.9200% | 6,372 |
| Memoranda: | ||
| Average total assets | $2,781,526,250 | 272 |
| Average earning assets | $2,570,405,250 | 266 |
| Average equity | $261,634,000 | 308 |
| Average total loans | $1,874,178,750 | 266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 5,488 |
| Cost of funding earning assets | 0.2605% | 6,098 |
| Net interest margin | 3.3220% | 4,477 |
| Noninterest income to average assets | 0.8275% | 2,077 |
| Noninterest expense to average assets | 2.5584% | 4,531 |
| Loan and lease loss provision to assets | 0.2351% | 1,580 |
| Net operating income to assets | 0.8194% | 3,201 |
| Return on assets (ROA) | 0.8194% | 3,357 |
| Pretax return on assets | 1.1194% | 3,017 |
| Return on Equity (ROE) | 8.6776% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.9068% | 1,525 |
| Net charge-offs to loans | 0.4293% | 1,507 |
| Credit loss provision to net charge-offs | 80.7702% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.6539% | 3,078 |
| Efficiency ratio | 65.3839% | 4,656 |
| Assets per employee ($millions) | 9.1048% | 290 |
| Cash dividends to net income (ytd only)* | 8.8818% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,573 |
| Loan loss allowance to noncurrent loans | 137.3137% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 3,829 |
| Noncurrent loans to loans | 1.0952% | 3,742 |
| Net loans and leases to total assets | 69.6669% | 1,942 |
| Net loans and leases to deposits | 82.4541% | 2,001 |
| Net loans and leases to core deposits | 84.7348% | 2,463 |
| Total domestic deposits to total assets | 84.4917% | 4,128 |
| Equity capital to assets | 9.8242% | 4,155 |
| Core capital (leverage) ratio | 8.3135% | 5,870 |
| Tier 1 risk-based capital ratio | 10.9741% | 6,343 |
| Total risk-based capital ratio | 12.2274% | 6,314 |
| Memoranda: | ||
| Average total assets | $2,748,054,670 | 276 |
| Average earning assets | $2,552,322,670 | 267 |
| Average equity | $259,496,670 | 309 |
| Average total loans | $1,863,118,330 | 269 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 5,615 |
| Cost of funding earning assets | 0.2810% | 6,103 |
| Net interest margin | 3.2566% | 4,701 |
| Noninterest income to average assets | 0.7797% | 2,216 |
| Noninterest expense to average assets | 2.5428% | 4,605 |
| Loan and lease loss provision to assets | 0.2321% | 1,575 |
| Net operating income to assets | 0.7594% | 3,382 |
| Return on assets (ROA) | 0.7594% | 3,523 |
| Pretax return on assets | 1.0260% | 3,239 |
| Return on Equity (ROE) | 8.2015% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.2015% | 1,684 |
| Net charge-offs to loans | 0.2686% | 1,885 |
| Credit loss provision to net charge-offs | 130.1370% | 1,518 |
| Earnings coverage of net charge-offs (x) | 7.0548% | 2,125 |
| Efficiency ratio | 66.9011% | 4,506 |
| Assets per employee ($millions) | 9.7295% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 3,401 |
| Loan loss allowance to noncurrent loans | 130.1129% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 3,849 |
| Noncurrent loans to loans | 1.2296% | 3,719 |
| Net loans and leases to total assets | 66.6225% | 2,258 |
| Net loans and leases to deposits | 79.1160% | 2,194 |
| Net loans and leases to core deposits | 81.0983% | 2,681 |
| Total domestic deposits to total assets | 84.2086% | 4,392 |
| Equity capital to assets | 9.5144% | 4,831 |
| Core capital (leverage) ratio | 7.9311% | 6,199 |
| Tier 1 risk-based capital ratio | 11.0911% | 6,365 |
| Total risk-based capital ratio | 12.3459% | 6,338 |
| Memoranda: | ||
| Average total assets | $2,783,676,000 | 274 |
| Average earning assets | $2,582,449,000 | 264 |
| Average equity | $257,757,000 | 313 |
| Average total loans | $1,848,016,000 | 272 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 5,914 |
| Cost of funding earning assets | 0.3758% | 6,078 |
| Net interest margin | 3.3898% | 4,920 |
| Noninterest income to average assets | 0.8512% | 2,039 |
| Noninterest expense to average assets | 2.5305% | 4,991 |
| Loan and lease loss provision to assets | 0.2122% | 3,022 |
| Net operating income to assets | 0.8718% | 2,951 |
| Return on assets (ROA) | 0.8880% | 3,115 |
| Pretax return on assets | 1.2728% | 2,510 |
| Return on Equity (ROE) | 9.2891% | 2,492 |
| Retained earnings to average equity (ytd only) | -2.3005% | 6,203 |
| Net charge-offs to loans | 0.3367% | 2,950 |
| Credit loss provision to net charge-offs | 99.0177% | 3,134 |
| Earnings coverage of net charge-offs (x) | 6.8220% | 2,728 |
| Efficiency ratio | 63.3821% | 5,000 |
| Assets per employee ($millions) | 10.0119% | 232 |
| Cash dividends to net income (ytd only)* | 124.7661% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,384 |
| Loan loss allowance to noncurrent loans | 122.5062% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 3,927 |
| Noncurrent loans to loans | 1.2937% | 3,675 |
| Net loans and leases to total assets | 64.0837% | 2,883 |
| Net loans and leases to deposits | 77.1393% | 2,635 |
| Net loans and leases to core deposits | 79.1082% | 3,135 |
| Total domestic deposits to total assets | 83.0753% | 4,689 |
| Equity capital to assets | 9.0137% | 5,506 |
| Core capital (leverage) ratio | 7.7485% | 6,373 |
| Tier 1 risk-based capital ratio | 10.6635% | 6,491 |
| Total risk-based capital ratio | 11.9177% | 6,449 |
| Memoranda: | ||
| Average total assets | $2,707,855,200 | 269 |
| Average earning assets | $2,509,372,600 | 259 |
| Average equity | $258,853,000 | 307 |
| Average total loans | $1,723,520,800 | 275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 6,017 |
| Cost of funding earning assets | 0.3922% | 6,159 |
| Net interest margin | 3.4106% | 4,999 |
| Noninterest income to average assets | 0.7916% | 2,274 |
| Noninterest expense to average assets | 2.5438% | 4,946 |
| Loan and lease loss provision to assets | 0.1339% | 3,870 |
| Net operating income to assets | 0.8836% | 3,060 |
| Return on assets (ROA) | 0.9031% | 3,201 |
| Pretax return on assets | 1.3077% | 2,573 |
| Return on Equity (ROE) | 9.3063% | 2,673 |
| Retained earnings to average equity (ytd only) | -4.5546% | 6,590 |
| Net charge-offs to loans | 0.3493% | 2,704 |
| Credit loss provision to net charge-offs | 60.5951% | 4,134 |
| Earnings coverage of net charge-offs (x) | 6.3961% | 2,800 |
| Efficiency ratio | 64.2824% | 4,766 |
| Assets per employee ($millions) | 9.7109% | 266 |
| Cash dividends to net income (ytd only)* | 148.9409% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,708 |
| Loan loss allowance to noncurrent loans | 150.6947% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9883% | 4,306 |
| Noncurrent loans to loans | 1.0322% | 4,382 |
| Net loans and leases to total assets | 64.8204% | 2,873 |
| Net loans and leases to deposits | 78.1308% | 2,645 |
| Net loans and leases to core deposits | 80.2093% | 3,181 |
| Total domestic deposits to total assets | 82.9639% | 4,650 |
| Equity capital to assets | 9.5062% | 5,200 |
| Core capital (leverage) ratio | 7.7149% | 6,520 |
| Tier 1 risk-based capital ratio | 10.9831% | 6,485 |
| Total risk-based capital ratio | 12.2374% | 6,467 |
| Memoranda: | ||
| Average total assets | $2,676,479,500 | 272 |
| Average earning assets | $2,484,218,000 | 263 |
| Average equity | $259,718,500 | 306 |
| Average total loans | $1,693,160,250 | 279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8106% | 6,114 |
| Cost of funding earning assets | 0.4013% | 6,261 |
| Net interest margin | 3.4093% | 5,046 |
| Noninterest income to average assets | 0.7597% | 2,373 |
| Noninterest expense to average assets | 2.5411% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9394% | 2,716 |
| Return on assets (ROA) | 0.9812% | 2,779 |
| Pretax return on assets | 1.4438% | 2,035 |
| Return on Equity (ROE) | 10.0431% | 2,331 |
| Retained earnings to average equity (ytd only) | -3.7471% | 6,533 |
| Net charge-offs to loans | 0.2548% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.6949% | 2,255 |
| Efficiency ratio | 64.7672% | 4,750 |
| Assets per employee ($millions) | 9.7165% | 255 |
| Cash dividends to net income (ytd only)* | 137.3102% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 3,622 |
| Loan loss allowance to noncurrent loans | 148.0469% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 4,121 |
| Noncurrent loans to loans | 1.0776% | 4,362 |
| Net loans and leases to total assets | 63.6576% | 3,114 |
| Net loans and leases to deposits | 77.4866% | 2,754 |
| Net loans and leases to core deposits | 79.6565% | 3,260 |
| Total domestic deposits to total assets | 82.1531% | 5,071 |
| Equity capital to assets | 9.8347% | 4,567 |
| Core capital (leverage) ratio | 8.1778% | 6,073 |
| Tier 1 risk-based capital ratio | 11.3370% | 6,324 |
| Total risk-based capital ratio | 12.5914% | 6,289 |
| Memoranda: | ||
| Average total assets | $2,672,004,000 | 274 |
| Average earning assets | $2,479,483,670 | 263 |
| Average equity | $261,055,000 | 303 |
| Average total loans | $1,667,161,000 | 280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 6,218 |
| Cost of funding earning assets | 0.4230% | 6,296 |
| Net interest margin | 3.3908% | 5,152 |
| Noninterest income to average assets | 0.7321% | 2,488 |
| Noninterest expense to average assets | 2.4493% | 5,318 |
| Loan and lease loss provision to assets | 0.2663% | 2,325 |
| Net operating income to assets | 0.8004% | 3,379 |
| Return on assets (ROA) | 0.8846% | 3,214 |
| Pretax return on assets | 1.2872% | 2,584 |
| Return on Equity (ROE) | 9.0835% | 2,789 |
| Retained earnings to average equity (ytd only) | -4.6516% | 6,555 |
| Net charge-offs to loans | 0.3515% | 2,247 |
| Credit loss provision to net charge-offs | 123.6715% | 1,932 |
| Earnings coverage of net charge-offs (x) | 6.6473% | 2,171 |
| Efficiency ratio | 63.1127% | 5,083 |
| Assets per employee ($millions) | 9.6985% | 259 |
| Cash dividends to net income (ytd only)* | 151.2097% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,990 |
| Loan loss allowance to noncurrent loans | 145.6153% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 4,245 |
| Noncurrent loans to loans | 1.2373% | 4,268 |
| Net loans and leases to total assets | 60.7902% | 3,495 |
| Net loans and leases to deposits | 74.7029% | 3,014 |
| Net loans and leases to core deposits | 76.1679% | 3,597 |
| Total domestic deposits to total assets | 81.3760% | 5,505 |
| Equity capital to assets | 9.7825% | 4,408 |
| Core capital (leverage) ratio | 8.1295% | 6,119 |
| Tier 1 risk-based capital ratio | 11.8176% | 6,074 |
| Total risk-based capital ratio | 13.0743% | 6,054 |
| Memoranda: | ||
| Average total assets | $2,691,426,000 | 271 |
| Average earning assets | $2,499,243,000 | 257 |
| Average equity | $262,101,000 | 299 |
| Average total loans | $1,649,051,000 | 278 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 6,743 |
| Cost of funding earning assets | 0.5551% | 6,317 |
| Net interest margin | 3.2316% | 6,007 |
| Noninterest income to average assets | 0.7075% | 2,552 |
| Noninterest expense to average assets | 2.3332% | 5,968 |
| Loan and lease loss provision to assets | 0.3650% | 2,807 |
| Net operating income to assets | 0.7073% | 3,454 |
| Return on assets (ROA) | 0.7429% | 3,451 |
| Pretax return on assets | 1.0633% | 2,989 |
| Return on Equity (ROE) | 7.5379% | 3,128 |
| Retained earnings to average equity (ytd only) | -5.7279% | 6,491 |
| Net charge-offs to loans | 0.6198% | 2,598 |
| Credit loss provision to net charge-offs | 102.8659% | 3,362 |
| Earnings coverage of net charge-offs (x) | 3.8823% | 3,347 |
| Efficiency ratio | 62.3755% | 5,399 |
| Assets per employee ($millions) | 9.9833% | 235 |
| Cash dividends to net income (ytd only)* | 175.9875% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 2,959 |
| Loan loss allowance to noncurrent loans | 136.6320% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 4,108 |
| Noncurrent loans to loans | 1.2972% | 4,207 |
| Net loans and leases to total assets | 59.5763% | 4,064 |
| Net loans and leases to deposits | 71.5689% | 3,867 |
| Net loans and leases to core deposits | 72.8891% | 4,392 |
| Total domestic deposits to total assets | 83.2433% | 4,651 |
| Equity capital to assets | 9.6953% | 4,604 |
| Core capital (leverage) ratio | 7.9425% | 6,318 |
| Tier 1 risk-based capital ratio | 11.9065% | 5,895 |
| Total risk-based capital ratio | 13.1629% | 5,870 |
| Memoranda: | ||
| Average total assets | $2,753,697,400 | 265 |
| Average earning assets | $2,558,923,000 | 251 |
| Average equity | $271,374,600 | 287 |
| Average total loans | $1,576,193,800 | 290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 6,873 |
| Cost of funding earning assets | 0.5807% | 6,375 |
| Net interest margin | 3.1893% | 6,184 |
| Noninterest income to average assets | 0.6353% | 2,964 |
| Noninterest expense to average assets | 2.3503% | 5,902 |
| Loan and lease loss provision to assets | 0.3622% | 2,693 |
| Net operating income to assets | 0.6269% | 3,984 |
| Return on assets (ROA) | 0.6415% | 4,093 |
| Pretax return on assets | 0.9082% | 3,730 |
| Return on Equity (ROE) | 6.4835% | 3,780 |
| Retained earnings to average equity (ytd only) | -6.6953% | 6,686 |
| Net charge-offs to loans | 0.6303% | 2,359 |
| Credit loss provision to net charge-offs | 101.9022% | 3,287 |
| Earnings coverage of net charge-offs (x) | 3.5163% | 3,411 |
| Efficiency ratio | 64.5937% | 4,967 |
| Assets per employee ($millions) | 9.8641% | 259 |
| Cash dividends to net income (ytd only)* | 203.2674% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,989 |
| Loan loss allowance to noncurrent loans | 133.5456% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 4,142 |
| Noncurrent loans to loans | 1.3383% | 4,292 |
| Net loans and leases to total assets | 58.8536% | 4,347 |
| Net loans and leases to deposits | 71.0478% | 4,136 |
| Net loans and leases to core deposits | 72.7183% | 4,617 |
| Total domestic deposits to total assets | 82.8365% | 4,747 |
| Equity capital to assets | 9.8397% | 4,566 |
| Core capital (leverage) ratio | 8.2199% | 6,110 |
| Tier 1 risk-based capital ratio | 12.0509% | 5,859 |
| Total risk-based capital ratio | 13.3073% | 5,844 |
| Memoranda: | ||
| Average total assets | $2,760,758,250 | 260 |
| Average earning assets | $2,566,505,500 | 250 |
| Average equity | $273,158,000 | 284 |
| Average total loans | $1,556,986,250 | 293 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 6,981 |
| Cost of funding earning assets | 0.6046% | 6,437 |
| Net interest margin | 3.1351% | 6,319 |
| Noninterest income to average assets | 0.6713% | 2,706 |
| Noninterest expense to average assets | 2.3564% | 5,974 |
| Loan and lease loss provision to assets | 0.3606% | 2,627 |
| Net operating income to assets | 0.6123% | 3,999 |
| Return on assets (ROA) | 0.6338% | 4,015 |
| Pretax return on assets | 0.9030% | 3,604 |
| Return on Equity (ROE) | 6.3940% | 3,748 |
| Retained earnings to average equity (ytd only) | -6.7010% | 6,705 |
| Net charge-offs to loans | 0.5680% | 2,406 |
| Credit loss provision to net charge-offs | 114.9161% | 2,667 |
| Earnings coverage of net charge-offs (x) | 3.9294% | 3,015 |
| Efficiency ratio | 64.6181% | 5,131 |
| Assets per employee ($millions) | 9.3923% | 286 |
| Cash dividends to net income (ytd only)* | 204.8015% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8768% | 2,738 |
| Loan loss allowance to noncurrent loans | 130.7838% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 1.4240% | 4,081 |
| Noncurrent loans to loans | 1.4351% | 4,261 |
| Net loans and leases to total assets | 58.9782% | 4,472 |
| Net loans and leases to deposits | 70.2231% | 4,411 |
| Net loans and leases to core deposits | 73.7320% | 4,612 |
| Total domestic deposits to total assets | 83.9869% | 4,358 |
| Equity capital to assets | 10.3096% | 3,738 |
| Core capital (leverage) ratio | 8.2578% | 5,934 |
| Tier 1 risk-based capital ratio | 12.8066% | 5,086 |
| Total risk-based capital ratio | 14.0643% | 5,052 |
| Memoranda: | ||
| Average total assets | $2,773,512,670 | 259 |
| Average earning assets | $2,581,391,670 | 249 |
| Average equity | $274,916,000 | 282 |
| Average total loans | $1,532,167,670 | 302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 7,096 |
| Cost of funding earning assets | 0.6212% | 6,518 |
| Net interest margin | 3.0425% | 6,482 |
| Noninterest income to average assets | 0.6188% | 3,043 |
| Noninterest expense to average assets | 2.3003% | 6,187 |
| Loan and lease loss provision to assets | 0.3515% | 2,451 |
| Net operating income to assets | 0.5668% | 4,201 |
| Return on assets (ROA) | 0.6022% | 4,087 |
| Pretax return on assets | 0.8564% | 3,678 |
| Return on Equity (ROE) | 6.1905% | 3,792 |
| Retained earnings to average equity (ytd only) | -6.8148% | 6,663 |
| Net charge-offs to loans | 0.3480% | 2,672 |
| Credit loss provision to net charge-offs | 190.5488% | 1,550 |
| Earnings coverage of net charge-offs (x) | 6.2744% | 2,128 |
| Efficiency ratio | 65.1352% | 5,179 |
| Assets per employee ($millions) | 10.2691% | 221 |
| Cash dividends to net income (ytd only)* | 210.0840% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 2,496 |
| Loan loss allowance to noncurrent loans | 120.2899% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3203% | 4,325 |
| Noncurrent loans to loans | 1.6367% | 4,026 |
| Net loans and leases to total assets | 53.0665% | 5,441 |
| Net loans and leases to deposits | 69.2146% | 4,489 |
| Net loans and leases to core deposits | 72.8518% | 4,667 |
| Total domestic deposits to total assets | 76.6696% | 6,581 |
| Equity capital to assets | 9.6689% | 4,221 |
| Core capital (leverage) ratio | 7.7271% | 6,533 |
| Tier 1 risk-based capital ratio | 13.3204% | 4,559 |
| Total risk-based capital ratio | 14.5790% | 4,539 |
| Memoranda: | ||
| Average total assets | $2,845,350,500 | 255 |
| Average earning assets | $2,654,770,500 | 239 |
| Average equity | $276,811,000 | 276 |
| Average total loans | $1,507,902,500 | 308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 6,927 |
| Cost of funding earning assets | 0.7748% | 6,665 |
| Net interest margin | 3.4215% | 5,542 |
| Noninterest income to average assets | 0.4998% | 4,171 |
| Noninterest expense to average assets | 2.3603% | 6,194 |
| Loan and lease loss provision to assets | 0.7338% | 2,237 |
| Net operating income to assets | 0.3966% | 4,552 |
| Return on assets (ROA) | 0.5554% | 4,021 |
| Pretax return on assets | 0.7853% | 3,682 |
| Return on Equity (ROE) | 5.2520% | 3,968 |
| Retained earnings to average equity (ytd only) | -0.8080% | 5,770 |
| Net charge-offs to loans | 1.7156% | 1,260 |
| Credit loss provision to net charge-offs | 73.2868% | 5,782 |
| Earnings coverage of net charge-offs (x) | 1.2937% | 4,808 |
| Efficiency ratio | 63.0170% | 5,507 |
| Assets per employee ($millions) | 10.3120% | 234 |
| Cash dividends to net income (ytd only)* | 115.3846% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,407 |
| Loan loss allowance to noncurrent loans | 110.8615% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 4,294 |
| Noncurrent loans to loans | 1.7667% | 3,860 |
| Net loans and leases to total assets | 50.8513% | 6,061 |
| Net loans and leases to deposits | 68.3279% | 5,059 |
| Net loans and leases to core deposits | 72.1356% | 5,192 |
| Total domestic deposits to total assets | 74.4225% | 6,839 |
| Equity capital to assets | 9.7877% | 4,014 |
| Core capital (leverage) ratio | 8.0564% | 6,106 |
| Tier 1 risk-based capital ratio | 13.4978% | 4,204 |
| Total risk-based capital ratio | 14.7554% | 4,172 |
| Memoranda: | ||
| Average total assets | $2,691,701,400 | 266 |
| Average earning assets | $2,482,842,600 | 260 |
| Average equity | $284,652,400 | 265 |
| Average total loans | $1,571,046,600 | 300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 6,933 |
| Cost of funding earning assets | 0.8098% | 6,730 |
| Net interest margin | 3.5150% | 5,231 |
| Noninterest income to average assets | 0.2609% | 6,033 |
| Noninterest expense to average assets | 2.4203% | 5,968 |
| Loan and lease loss provision to assets | 0.6036% | 2,526 |
| Net operating income to assets | 0.3322% | 5,038 |
| Return on assets (ROA) | 0.5473% | 4,270 |
| Pretax return on assets | 0.7727% | 4,000 |
| Return on Equity (ROE) | 5.0735% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.2264% | 5,322 |
| Net charge-offs to loans | 1.5244% | 1,318 |
| Credit loss provision to net charge-offs | 65.8689% | 5,535 |
| Earnings coverage of net charge-offs (x) | 1.1713% | 4,893 |
| Efficiency ratio | 67.6342% | 4,535 |
| Assets per employee ($millions) | 9.6542% | 286 |
| Cash dividends to net income (ytd only)* | 75.8273% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 2,441 |
| Loan loss allowance to noncurrent loans | 87.5449% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0730% | 3,369 |
| Noncurrent loans to loans | 2.1843% | 3,469 |
| Net loans and leases to total assets | 57.1300% | 5,393 |
| Net loans and leases to deposits | 74.3337% | 4,449 |
| Net loans and leases to core deposits | 78.6457% | 4,721 |
| Total domestic deposits to total assets | 76.8561% | 6,513 |
| Equity capital to assets | 10.6327% | 3,371 |
| Core capital (leverage) ratio | 8.7970% | 5,018 |
| Tier 1 risk-based capital ratio | 12.9132% | 4,643 |
| Total risk-based capital ratio | 14.1705% | 4,619 |
| Memoranda: | ||
| Average total assets | $2,650,518,250 | 267 |
| Average earning assets | $2,437,774,750 | 262 |
| Average equity | $285,920,500 | 262 |
| Average total loans | $1,593,420,250 | 296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 6,862 |
| Cost of funding earning assets | 0.8366% | 6,801 |
| Net interest margin | 3.5812% | 4,896 |
| Noninterest income to average assets | 0.6547% | 2,987 |
| Noninterest expense to average assets | 2.4476% | 5,918 |
| Loan and lease loss provision to assets | 0.9104% | 1,598 |
| Net operating income to assets | 0.3953% | 4,775 |
| Return on assets (ROA) | 0.7060% | 3,531 |
| Pretax return on assets | 1.0432% | 2,962 |
| Return on Equity (ROE) | 6.5131% | 3,541 |
| Retained earnings to average equity (ytd only) | 2.6638% | 4,451 |
| Net charge-offs to loans | 1.5851% | 1,193 |
| Credit loss provision to net charge-offs | 94.5329% | 4,281 |
| Earnings coverage of net charge-offs (x) | 1.5541% | 4,325 |
| Efficiency ratio | 60.5905% | 5,932 |
| Assets per employee ($millions) | 9.2879% | 311 |
| Cash dividends to net income (ytd only)* | 59.1017% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2643% | 1,645 |
| Loan loss allowance to noncurrent loans | 100.3446% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 2.3951% | 3,005 |
| Noncurrent loans to loans | 2.2565% | 3,418 |
| Net loans and leases to total assets | 59.3849% | 5,178 |
| Net loans and leases to deposits | 74.9260% | 4,525 |
| Net loans and leases to core deposits | 79.3914% | 4,760 |
| Total domestic deposits to total assets | 79.2581% | 5,953 |
| Equity capital to assets | 11.1412% | 2,735 |
| Core capital (leverage) ratio | 8.9329% | 4,705 |
| Tier 1 risk-based capital ratio | 12.8277% | 4,584 |
| Total risk-based capital ratio | 14.0885% | 4,533 |
| Memoranda: | ||
| Average total assets | $2,636,183,330 | 269 |
| Average earning assets | $2,421,588,000 | 262 |
| Average equity | $285,762,330 | 263 |
| Average total loans | $1,601,624,000 | 295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 6,784 |
| Cost of funding earning assets | 0.8779% | 6,849 |
| Net interest margin | 3.6240% | 4,608 |
| Noninterest income to average assets | 0.6778% | 2,753 |
| Noninterest expense to average assets | 2.4316% | 5,979 |
| Loan and lease loss provision to assets | 0.9012% | 1,411 |
| Net operating income to assets | 0.4421% | 4,652 |
| Return on assets (ROA) | 0.8704% | 2,754 |
| Pretax return on assets | 1.3244% | 1,983 |
| Return on Equity (ROE) | 8.1388% | 2,815 |
| Retained earnings to average equity (ytd only) | 4.2766% | 3,579 |
| Net charge-offs to loans | 1.1098% | 1,516 |
| Credit loss provision to net charge-offs | 133.6601% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.3386% | 3,378 |
| Efficiency ratio | 59.2401% | 6,298 |
| Assets per employee ($millions) | 9.7386% | 288 |
| Cash dividends to net income (ytd only)* | 47.4547% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3567% | 1,482 |
| Loan loss allowance to noncurrent loans | 99.5042% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 2.4232% | 3,005 |
| Noncurrent loans to loans | 2.3684% | 3,311 |
| Net loans and leases to total assets | 58.3679% | 5,374 |
| Net loans and leases to deposits | 76.5205% | 4,314 |
| Net loans and leases to core deposits | 81.1401% | 4,603 |
| Total domestic deposits to total assets | 76.2775% | 6,710 |
| Equity capital to assets | 10.6786% | 3,062 |
| Core capital (leverage) ratio | 8.8012% | 4,853 |
| Tier 1 risk-based capital ratio | 12.5136% | 4,733 |
| Total risk-based capital ratio | 13.7754% | 4,680 |
| Memoranda: | ||
| Average total assets | $2,663,253,500 | 279 |
| Average earning assets | $2,447,554,500 | 269 |
| Average equity | $284,808,000 | 268 |
| Average total loans | $1,618,002,000 | 303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 6,625 |
| Cost of funding earning assets | 1.2218% | 6,584 |
| Net interest margin | 3.7122% | 4,083 |
| Noninterest income to average assets | 0.8503% | 2,177 |
| Noninterest expense to average assets | 2.5917% | 5,824 |
| Loan and lease loss provision to assets | 1.1553% | 1,980 |
| Net operating income to assets | 0.3434% | 4,358 |
| Return on assets (ROA) | 0.5676% | 3,534 |
| Pretax return on assets | 0.8244% | 3,171 |
| Return on Equity (ROE) | 5.3696% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.3696% | 1,640 |
| Net charge-offs to loans | 1.4673% | 1,713 |
| Credit loss provision to net charge-offs | 120.6715% | 4,429 |
| Earnings coverage of net charge-offs (x) | 1.7284% | 4,432 |
| Efficiency ratio | 59.4866% | 6,560 |
| Assets per employee ($millions) | 9.5610% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2149% | 1,624 |
| Loan loss allowance to noncurrent loans | 129.5083% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 2.0783% | 3,304 |
| Noncurrent loans to loans | 1.7103% | 4,071 |
| Net loans and leases to total assets | 60.3724% | 5,278 |
| Net loans and leases to deposits | 76.8062% | 4,607 |
| Net loans and leases to core deposits | 84.1219% | 5,700 |
| Total domestic deposits to total assets | 78.6036% | 6,091 |
| Equity capital to assets | 10.7096% | 2,960 |
| Core capital (leverage) ratio | 8.6519% | 5,011 |
| Tier 1 risk-based capital ratio | 12.0067% | 4,940 |
| Total risk-based capital ratio | 13.2669% | 4,886 |
| Memoranda: | ||
| Average total assets | $2,619,333,600 | 281 |
| Average earning assets | $2,396,369,600 | 277 |
| Average equity | $276,892,400 | 269 |
| Average total loans | $1,709,154,800 | 298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 6,658 |
| Cost of funding earning assets | 1.2855% | 6,597 |
| Net interest margin | 3.6952% | 4,096 |
| Noninterest income to average assets | 0.8365% | 2,257 |
| Noninterest expense to average assets | 2.5403% | 5,937 |
| Loan and lease loss provision to assets | 1.2778% | 1,507 |
| Net operating income to assets | 0.2730% | 4,890 |
| Return on assets (ROA) | 0.5728% | 3,784 |
| Pretax return on assets | 0.8349% | 3,425 |
| Return on Equity (ROE) | 5.4362% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.4362% | 2,235 |
| Net charge-offs to loans | 1.7107% | 1,182 |
| Credit loss provision to net charge-offs | 112.9291% | 4,497 |
| Earnings coverage of net charge-offs (x) | 1.4832% | 4,674 |
| Efficiency ratio | 58.6591% | 6,621 |
| Assets per employee ($millions) | 9.4225% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 1,726 |
| Loan loss allowance to noncurrent loans | 110.7626% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 2.0215% | 3,318 |
| Noncurrent loans to loans | 1.8342% | 3,863 |
| Net loans and leases to total assets | 58.8120% | 5,764 |
| Net loans and leases to deposits | 75.8482% | 5,074 |
| Net loans and leases to core deposits | 84.8861% | 5,975 |
| Total domestic deposits to total assets | 77.5391% | 6,210 |
| Equity capital to assets | 10.0984% | 3,963 |
| Core capital (leverage) ratio | 8.5197% | 5,460 |
| Tier 1 risk-based capital ratio | 11.5313% | 5,400 |
| Total risk-based capital ratio | 12.7892% | 5,344 |
| Memoranda: | ||
| Average total assets | $2,612,069,000 | 293 |
| Average earning assets | $2,390,795,000 | 288 |
| Average equity | $275,207,750 | 277 |
| Average total loans | $1,727,664,500 | 308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 6,402 |
| Cost of funding earning assets | 1.3512% | 6,643 |
| Net interest margin | 3.7571% | 3,728 |
| Noninterest income to average assets | 0.9606% | 1,725 |
| Noninterest expense to average assets | 2.6303% | 5,614 |
| Loan and lease loss provision to assets | 1.4207% | 1,222 |
| Net operating income to assets | 0.2280% | 5,164 |
| Return on assets (ROA) | 0.6742% | 3,482 |
| Pretax return on assets | 1.0054% | 2,992 |
| Return on Equity (ROE) | 6.3041% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.3041% | 1,881 |
| Net charge-offs to loans | 1.8420% | 1,026 |
| Credit loss provision to net charge-offs | 112.8317% | 4,107 |
| Earnings coverage of net charge-offs (x) | 1.3979% | 4,482 |
| Efficiency ratio | 58.3783% | 6,796 |
| Assets per employee ($millions) | 8.6185% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 1,695 |
| Loan loss allowance to noncurrent loans | 81.4504% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 2,905 |
| Noncurrent loans to loans | 2.3822% | 3,030 |
| Net loans and leases to total assets | 63.8453% | 5,017 |
| Net loans and leases to deposits | 80.3076% | 4,498 |
| Net loans and leases to core deposits | 91.3968% | 5,410 |
| Total domestic deposits to total assets | 79.5010% | 5,649 |
| Equity capital to assets | 10.5105% | 3,392 |
| Core capital (leverage) ratio | 8.5196% | 5,411 |
| Tier 1 risk-based capital ratio | 10.9087% | 5,974 |
| Total risk-based capital ratio | 12.1651% | 5,906 |
| Memoranda: | ||
| Average total assets | $2,556,211,330 | 307 |
| Average earning assets | $2,333,533,330 | 306 |
| Average equity | $273,377,670 | 285 |
| Average total loans | $1,747,331,670 | 317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 6,224 |
| Cost of funding earning assets | 1.3510% | 6,874 |
| Net interest margin | 3.8680% | 3,195 |
| Noninterest income to average assets | 0.9264% | 1,748 |
| Noninterest expense to average assets | 2.5388% | 5,693 |
| Loan and lease loss provision to assets | 1.7404% | 715 |
| Net operating income to assets | 0.1195% | 5,924 |
| Return on assets (ROA) | 0.9826% | 2,517 |
| Pretax return on assets | 1.5268% | 1,589 |
| Return on Equity (ROE) | 9.1065% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.1065% | 1,443 |
| Net charge-offs to loans | 2.3515% | 619 |
| Credit loss provision to net charge-offs | 105.6667% | 3,599 |
| Earnings coverage of net charge-offs (x) | 1.1648% | 4,173 |
| Efficiency ratio | 55.4339% | 7,047 |
| Assets per employee ($millions) | 8.2035% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 1,838 |
| Loan loss allowance to noncurrent loans | 65.6876% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.2063% | 2,590 |
| Noncurrent loans to loans | 2.7477% | 2,386 |
| Net loans and leases to total assets | 68.0884% | 4,119 |
| Net loans and leases to deposits | 88.6036% | 3,177 |
| Net loans and leases to core deposits | 102.4673% | 4,295 |
| Total domestic deposits to total assets | 76.8460% | 6,320 |
| Equity capital to assets | 10.8513% | 3,123 |
| Core capital (leverage) ratio | 8.5510% | 5,429 |
| Tier 1 risk-based capital ratio | 10.6844% | 6,203 |
| Total risk-based capital ratio | 11.9398% | 6,108 |
| Memoranda: | ||
| Average total assets | $2,524,298,500 | 310 |
| Average earning assets | $2,304,358,000 | 311 |
| Average equity | $272,376,500 | 285 |
| Average total loans | $1,768,062,500 | 315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0427% | 5,340 |
| Cost of funding earning assets | 1.9378% | 6,620 |
| Net interest margin | 4.1050% | 2,687 |
| Noninterest income to average assets | 0.7221% | 2,967 |
| Noninterest expense to average assets | 2.4395% | 6,260 |
| Loan and lease loss provision to assets | 1.0257% | 1,431 |
| Net operating income to assets | 0.6702% | 4,022 |
| Return on assets (ROA) | 0.6782% | 3,831 |
| Pretax return on assets | 0.9934% | 3,402 |
| Return on Equity (ROE) | 6.4978% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.7037% | 3,497 |
| Net charge-offs to loans | 1.0382% | 1,187 |
| Credit loss provision to net charge-offs | 144.4296% | 3,658 |
| Earnings coverage of net charge-offs (x) | 2.8266% | 4,663 |
| Efficiency ratio | 53.1653% | 7,362 |
| Assets per employee ($millions) | 8.1352% | 448 |
| Cash dividends to net income (ytd only)* | 58.3908% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 1,801 |
| Loan loss allowance to noncurrent loans | 59.4601% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 2,212 |
| Noncurrent loans to loans | 2.9254% | 1,839 |
| Net loans and leases to total assets | 69.5143% | 4,136 |
| Net loans and leases to deposits | 95.0235% | 2,608 |
| Net loans and leases to core deposits | 109.1657% | 3,848 |
| Total domestic deposits to total assets | 73.1549% | 6,802 |
| Equity capital to assets | 10.7290% | 3,270 |
| Core capital (leverage) ratio | 8.4680% | 5,626 |
| Tier 1 risk-based capital ratio | 10.1058% | 6,622 |
| Total risk-based capital ratio | 11.3604% | 6,480 |
| Memoranda: | ||
| Average total assets | $2,525,317,400 | 299 |
| Average earning assets | $2,291,391,600 | 297 |
| Average equity | $263,566,200 | 296 |
| Average total loans | $1,727,365,600 | 315 |