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Cadence Bank, Performance and Condition Ratios

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2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2432%	1,588
Cost of funding earning assets	2.1762%	675
Net interest margin	3.0671%	3,160
Noninterest income to average assets	0.6400%	1,394
Noninterest expense to average assets	2.3410%	2,741
Loan and lease loss provision to assets	0.1600%	816
Net operating income to assets	0.7044%	3,187
Return on assets (ROA)	1.0993%	1,894
Pretax return on assets	1.0900%	2,436
Return on Equity (ROE)	11.8700%	1,984
Retained earnings to average equity (ytd only)	7.9033%	1,570
Net charge-offs to loans	0.2266%	481
Credit loss provision to net charge-offs	137.8018%	1,545
Earnings coverage of net charge-offs (x)	7.0870%	2,430
Efficiency ratio	68.0265%	2,106
Assets per employee ($millions)	9.1758%	928
Cash dividends to net income (ytd only)*	33.3964%	2,416
Condition Ratios (%)
Loss allowance to loans	1.4320%	1,273
Loan loss allowance to noncurrent loans	158.5852%	2,791
Noncurrent assets plus other real estate owned to assets	0.6151%	888
Noncurrent loans to loans	0.9030%	832
Net loans and leases to total assets	65.8300%	2,272
Net loans and leases to deposits	83.6823%	1,809
Net loans and leases to core deposits	90.4805%	2,019
Total domestic deposits to total assets	78.6700%	3,653
Equity capital to assets	10.5607%	1,701
Core capital (leverage) ratio	9.2953%	3,433
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.3170%	1,751
Memoranda:
Average total assets	$49,331,469,800	45
Average earning assets	$44,059,842,800	45
Average equity	$4,570,148,400	51
Average total loans	$32,026,428,000	43
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1204%	1,592
Cost of funding earning assets	2.0488%	649
Net interest margin	3.0716%	3,198
Noninterest income to average assets	1.0200%	619
Noninterest expense to average assets	2.5206%	2,161
Loan and lease loss provision to assets	0.1100%	1,081
Net operating income to assets	0.8748%	2,779
Return on assets (ROA)	0.7640%	3,120
Pretax return on assets	0.9839%	2,901
Return on Equity (ROE)	8.5400%	3,048
Retained earnings to average equity (ytd only)	4.4460%	3,124
Net charge-offs to loans	0.2040%	434
Credit loss provision to net charge-offs	112.8367%	1,530
Earnings coverage of net charge-offs (x)	9.4124%	2,165
Efficiency ratio	65.8799%	2,295
Assets per employee ($millions)	7.8771%	1,414
Cash dividends to net income (ytd only)*	47.9544%	1,331
Condition Ratios (%)
Loss allowance to loans	1.3673%	1,596
Loan loss allowance to noncurrent loans	220.9898%	2,379
Noncurrent assets plus other real estate owned to assets	0.4218%	1,374
Noncurrent loans to loans	0.6187%	1,314
Net loans and leases to total assets	66.4300%	2,207
Net loans and leases to deposits	84.0689%	1,732
Net loans and leases to core deposits	91.6981%	1,815
Total domestic deposits to total assets	79.0200%	3,695
Equity capital to assets	9.0581%	2,385
Core capital (leverage) ratio	8.6433%	4,066
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.9370%	2,285
Memoranda:
Average total assets	$49,430,709,750	46
Average earning assets	$44,138,063,000	45
Average equity	$4,420,724,750	53
Average total loans	$31,862,204,250	44
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9511%	1,649
Cost of funding earning assets	1.8540%	673
Net interest margin	3.0971%	3,232
Noninterest income to average assets	1.0300%	539
Noninterest expense to average assets	2.5028%	2,197
Loan and lease loss provision to assets	0.1000%	1,140
Net operating income to assets	0.9289%	2,656
Return on assets (ROA)	0.7667%	3,188
Pretax return on assets	0.9894%	2,945
Return on Equity (ROE)	8.6100%	3,083
Retained earnings to average equity (ytd only)	4.5202%	3,077
Net charge-offs to loans	0.0924%	710
Credit loss provision to net charge-offs	274.1792%	905
Earnings coverage of net charge-offs (x)	22.0768%	1,707
Efficiency ratio	64.6662%	2,414
Assets per employee ($millions)	7.5380%	1,584
Cash dividends to net income (ytd only)*	47.4947%	1,388
Condition Ratios (%)
Loss allowance to loans	1.4229%	1,440
Loan loss allowance to noncurrent loans	221.1307%	2,489
Noncurrent assets plus other real estate owned to assets	0.4363%	1,220
Noncurrent loans to loans	0.6435%	1,162
Net loans and leases to total assets	66.1000%	2,148
Net loans and leases to deposits	83.4174%	1,728
Net loans and leases to core deposits	91.9484%	1,686
Total domestic deposits to total assets	79.2400%	3,687
Equity capital to assets	9.1850%	2,384
Core capital (leverage) ratio	8.4666%	4,153
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7047%	2,401
Memoranda:
Average total assets	$49,733,276,333	46
Average earning assets	$44,416,375,000	45
Average equity	$4,429,214,000	53
Average total loans	$31,588,616,000	45
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6934%	1,866
Cost of funding earning assets	1.5331%	788
Net interest margin	3.1603%	3,209
Noninterest income to average assets	0.9900%	585
Noninterest expense to average assets	2.5392%	2,135
Loan and lease loss provision to assets	0.0800%	1,320
Net operating income to assets	0.9312%	2,752
Return on assets (ROA)	0.6108%	3,630
Pretax return on assets	0.7896%	3,486
Return on Equity (ROE)	6.9600%	3,527
Retained earnings to average equity (ytd only)	2.8519%	3,538
Net charge-offs to loans	0.0242%	1,205
Credit loss provision to net charge-offs	800.0000%	413
Earnings coverage of net charge-offs (x)	85.2987%	864
Efficiency ratio	65.5286%	2,263
Assets per employee ($millions)	7.8716%	1,420
Cash dividends to net income (ytd only)*	59.0528%	984
Condition Ratios (%)
Loss allowance to loans	1.4414%	1,458
Loan loss allowance to noncurrent loans	206.3596%	2,631
Noncurrent assets plus other real estate owned to assets	0.4319%	1,193
Noncurrent loans to loans	0.6985%	1,091
Net loans and leases to total assets	60.0200%	2,645
Net loans and leases to deposits	78.7023%	1,911
Net loans and leases to core deposits	86.1392%	1,857
Total domestic deposits to total assets	76.2600%	4,144
Equity capital to assets	8.6867%	2,751
Core capital (leverage) ratio	8.3593%	4,239
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.7872%	2,468
Memoranda:
Average total assets	$50,180,584,500	49
Average earning assets	$44,840,388,000	48
Average equity	$4,400,895,500	54
Average total loans	$31,007,953,000	47
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6502%	2,656
Cost of funding earning assets	0.4895%	1,472
Net interest margin	3.1606%	2,983
Noninterest income to average assets	1.0400%	600
Noninterest expense to average assets	2.5885%	1,859
Loan and lease loss provision to assets	0.0100%	2,705
Net operating income to assets	0.9755%	2,651
Return on assets (ROA)	0.9691%	2,621
Pretax return on assets	1.2539%	2,264
Return on Equity (ROE)	10.1600%	2,759
Retained earnings to average equity (ytd only)	6.4432%	2,471
Net charge-offs to loans	-0.0002%	3,272
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	65.8602%	2,247
Assets per employee ($millions)	7.4054%	1,681
Cash dividends to net income (ytd only)*	36.5521%	2,089
Condition Ratios (%)
Loss allowance to loans	1.4420%	1,363
Loan loss allowance to noncurrent loans	255.4582%	2,384
Noncurrent assets plus other real estate owned to assets	0.3633%	1,411
Noncurrent loans to loans	0.5645%	1,317
Net loans and leases to total assets	61.8400%	2,457
Net loans and leases to deposits	77.2250%	2,016
Net loans and leases to core deposits	79.9803%	2,137
Total domestic deposits to total assets	80.0800%	3,870
Equity capital to assets	8.8587%	2,449
Core capital (leverage) ratio	8.4289%	4,185
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8057%	2,448
Memoranda:
Average total assets	$47,799,082,600	52
Average earning assets	$42,754,164,600	50
Average equity	$4,561,593,600	56
Average total loans	$28,662,940,800	51
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4044%	2,907
Cost of funding earning assets	0.2975%	2,195
Net interest margin	3.1069%	2,914
Noninterest income to average assets	1.0700%	603
Noninterest expense to average assets	2.5163%	1,969
Loan and lease loss provision to assets	0.0000%	2,752
Net operating income to assets	1.0315%	2,355
Return on assets (ROA)	1.0236%	2,365
Pretax return on assets	1.3221%	1,974
Return on Equity (ROE)	10.5300%	2,559
Retained earnings to average equity (ytd only)	6.8762%	2,414
Net charge-offs to loans	0.0233%	1,363
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	96.5295%	965
Efficiency ratio	64.2297%	2,510
Assets per employee ($millions)	7.1956%	1,815
Cash dividends to net income (ytd only)*	34.7172%	1,824
Condition Ratios (%)
Loss allowance to loans	1.4693%	1,388
Loan loss allowance to noncurrent loans	425.2200%	1,764
Noncurrent assets plus other real estate owned to assets	0.2222%	2,120
Noncurrent loans to loans	0.3455%	1,990
Net loans and leases to total assets	60.9300%	2,408
Net loans and leases to deposits	74.4977%	2,007
Net loans and leases to core deposits	77.1814%	2,100
Total domestic deposits to total assets	81.7800%	3,873
Equity capital to assets	8.7358%	2,385
Core capital (leverage) ratio	8.4278%	4,118
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.8389%	2,536
Memoranda:
Average total assets	$47,581,835,000	54
Average earning assets	$42,616,743,000	52
Average equity	$4,624,148,500	58
Average total loans	$28,194,375,500	52
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1967%	3,058
Cost of funding earning assets	0.2104%	2,772
Net interest margin	2.9863%	2,921
Noninterest income to average assets	1.0797%	572
Noninterest expense to average assets	2.4361%	2,126
Loan and lease loss provision to assets	0.0042%	2,534
Net operating income to assets	1.0248%	2,071
Return on assets (ROA)	1.0176%	2,063
Pretax return on assets	1.3113%	1,707
Return on Equity (ROE)	10.1288%	2,291
Retained earnings to average equity (ytd only)	6.5977%	2,136
Net charge-offs to loans	-0.0131%	3,696
Credit loss provision to net charge-offs	0.0000%	1,663
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	63.6801%	2,812
Assets per employee ($millions)	7.1712%	1,827
Cash dividends to net income (ytd only)*	34.8624%	1,923
Condition Ratios (%)
Loss allowance to loans	1.5403%	1,301
Loan loss allowance to noncurrent loans	403.5873%	1,776
Noncurrent assets plus other real estate owned to assets	0.2486%	2,078
Noncurrent loans to loans	0.3816%	1,993
Net loans and leases to total assets	58.9152%	2,447
Net loans and leases to deposits	69.9943%	2,205
Net loans and leases to core deposits	72.2770%	2,312
Total domestic deposits to total assets	84.1715%	3,654
Equity capital to assets	9.2935%	2,163
Core capital (leverage) ratio	8.3531%	4,067
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	12.9892%	2,504
Memoranda:
Average total assets	$47,542,560,000	52
Average earning assets	$42,682,203,667	52
Average equity	$4,776,556,333	56
Average total loans	$27,760,890,333	52
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1134%	2,939
Cost of funding earning assets	0.1884%	2,966
Net interest margin	2.9250%	2,752
Noninterest income to average assets	1.0904%	568
Noninterest expense to average assets	2.4591%	1,990
Loan and lease loss provision to assets	0.0000%	2,285
Net operating income to assets	0.9774%	1,977
Return on assets (ROA)	0.9693%	1,997
Pretax return on assets	1.2529%	1,650
Return on Equity (ROE)	9.2964%	2,213
Retained earnings to average equity (ytd only)	5.9160%	2,276
Net charge-offs to loans	-0.0064%	3,426
Credit loss provision to net charge-offs	0.0000%	1,336
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	64.5263%	2,963
Assets per employee ($millions)	7.1877%	1,868
Cash dividends to net income (ytd only)*	36.3620%	1,602
Condition Ratios (%)
Loss allowance to loans	1.5959%	1,283
Loan loss allowance to noncurrent loans	391.7723%	1,766
Noncurrent assets plus other real estate owned to assets	0.2731%	2,040
Noncurrent loans to loans	0.4073%	2,034
Net loans and leases to total assets	57.3050%	2,377
Net loans and leases to deposits	66.6777%	2,276
Net loans and leases to core deposits	68.7614%	2,390
Total domestic deposits to total assets	85.9433%	3,276
Equity capital to assets	9.8366%	2,016
Core capital (leverage) ratio	8.2383%	4,128
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.2743%	2,495
Memoranda:
Average total assets	$47,437,287,500	54
Average earning assets	$42,685,062,500	53
Average equity	$4,945,872,000	57
Average total loans	$27,354,364,000	52
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1991%	3,472
Cost of funding earning assets	0.2766%	2,632
Net interest margin	2.9225%	3,392
Noninterest income to average assets	1.2251%	707
Noninterest expense to average assets	2.6009%	1,865
Loan and lease loss provision to assets	0.4504%	136
Net operating income to assets	0.6378%	3,780
Return on assets (ROA)	0.6367%	3,836
Pretax return on assets	0.8056%	3,713
Return on Equity (ROE)	5.7439%	3,835
Retained earnings to average equity (ytd only)	2.5179%	3,826
Net charge-offs to loans	-0.0299%	4,121
Credit loss provision to net charge-offs	-2,287.4482%	4,078
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	66.3437%	2,216
Assets per employee ($millions)	7.2275%	1,777
Cash dividends to net income (ytd only)*	56.1641%	1,226
Condition Ratios (%)
Loss allowance to loans	1.6402%	1,176
Loan loss allowance to noncurrent loans	303.9173%	2,028
Noncurrent assets plus other real estate owned to assets	0.3473%	1,834
Noncurrent loans to loans	0.5397%	1,776
Net loans and leases to total assets	56.1631%	2,586
Net loans and leases to deposits	67.2413%	2,383
Net loans and leases to core deposits	69.7102%	2,481
Total domestic deposits to total assets	83.5246%	3,684
Equity capital to assets	11.0100%	1,783
Core capital (leverage) ratio	9.9003%	2,464
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.8620%	2,293
Memoranda:
Average total assets	$30,651,143,400	74
Average earning assets	$27,616,050,400	76
Average equity	$3,397,698,600	71
Average total loans	$17,796,093,000	75
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3245%	3,326
Cost of funding earning assets	0.3196%	2,406
Net interest margin	3.0049%	3,291
Noninterest income to average assets	1.3726%	628
Noninterest expense to average assets	2.5663%	1,938
Loan and lease loss provision to assets	0.0227%	2,539
Net operating income to assets	1.1609%	2,323
Return on assets (ROA)	1.1608%	2,385
Pretax return on assets	1.4881%	2,028
Return on Equity (ROE)	10.4397%	2,575
Retained earnings to average equity (ytd only)	7.3204%	2,301
Net charge-offs to loans	-0.0048%	3,423
Credit loss provision to net charge-offs	-453.7205%	3,620
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	62.0583%	2,689
Assets per employee ($millions)	5.8859%	2,804
Cash dividends to net income (ytd only)*	29.8792%	2,081
Condition Ratios (%)
Loss allowance to loans	1.6968%	1,114
Loan loss allowance to noncurrent loans	339.6351%	1,808
Noncurrent assets plus other real estate owned to assets	0.3318%	2,120
Noncurrent loans to loans	0.4996%	2,059
Net loans and leases to total assets	53.7072%	3,007
Net loans and leases to deposits	64.7675%	2,760
Net loans and leases to core deposits	67.0637%	2,852
Total domestic deposits to total assets	82.9231%	3,725
Equity capital to assets	10.7682%	2,201
Core capital (leverage) ratio	8.1302%	4,363
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2706%	2,269
Memoranda:
Average total assets	$26,397,539,250	84
Average earning assets	$23,759,797,750	85
Average equity	$2,935,126,500	80
Average total loans	$15,440,903,500	84
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.3780%	3,237
Cost of funding earning assets	0.3353%	2,444
Net interest margin	3.0426%	3,202
Noninterest income to average assets	1.4586%	571
Noninterest expense to average assets	2.5480%	2,007
Loan and lease loss provision to assets	0.0890%	1,392
Net operating income to assets	1.2149%	2,132
Return on assets (ROA)	1.2160%	2,204
Pretax return on assets	1.5600%	1,847
Return on Equity (ROE)	10.8126%	2,494
Retained earnings to average equity (ytd only)	7.8022%	2,150
Net charge-offs to loans	0.0195%	1,549
Credit loss provision to net charge-offs	664.4518%	591
Earnings coverage of net charge-offs (x)	141.4379%	612
Efficiency ratio	59.8588%	3,033
Assets per employee ($millions)	5.7118%	2,883
Cash dividends to net income (ytd only)*	27.8419%	2,161
Condition Ratios (%)
Loss allowance to loans	1.7238%	1,013
Loan loss allowance to noncurrent loans	344.8625%	1,707
Noncurrent assets plus other real estate owned to assets	0.3418%	2,227
Noncurrent loans to loans	0.4998%	2,181
Net loans and leases to total assets	54.8563%	3,038
Net loans and leases to deposits	67.0801%	2,710
Net loans and leases to core deposits	69.6355%	2,818
Total domestic deposits to total assets	81.7774%	3,961
Equity capital to assets	11.1149%	1,903
Core capital (leverage) ratio	8.4271%	4,049
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.5678%	2,137
Memoranda:
Average total assets	$25,838,150,000	84
Average earning assets	$23,243,527,667	87
Average equity	$2,905,749,667	81
Average total loans	$15,474,889,333	84
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4439%	3,074
Cost of funding earning assets	0.3568%	2,472
Net interest margin	3.0871%	3,034
Noninterest income to average assets	1.3928%	683
Noninterest expense to average assets	2.4880%	2,209
Loan and lease loss provision to assets	0.0000%	2,741
Net operating income to assets	1.3065%	1,806
Return on assets (ROA)	1.3076%	1,887
Pretax return on assets	1.6819%	1,533
Return on Equity (ROE)	11.5524%	2,172
Retained earnings to average equity (ytd only)	8.4496%	2,107
Net charge-offs to loans	0.0853%	767
Credit loss provision to net charge-offs	0.0000%	1,471
Earnings coverage of net charge-offs (x)	31.7156%	1,073
Efficiency ratio	58.7937%	3,187
Assets per employee ($millions)	5.6759%	2,942
Cash dividends to net income (ytd only)*	26.8579%	1,802
Condition Ratios (%)
Loss allowance to loans	1.5485%	1,424
Loan loss allowance to noncurrent loans	255.5559%	1,966
Noncurrent assets plus other real estate owned to assets	0.4019%	2,197
Noncurrent loans to loans	0.6059%	2,052
Net loans and leases to total assets	59.4137%	2,614
Net loans and leases to deposits	73.4505%	2,164
Net loans and leases to core deposits	76.3405%	2,321
Total domestic deposits to total assets	80.8895%	4,076
Equity capital to assets	10.9492%	1,900
Core capital (leverage) ratio	8.5874%	4,022
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.6494%	2,018
Memoranda:
Average total assets	$24,948,877,500	90
Average earning assets	$22,433,297,000	89
Average equity	$2,823,837,500	85
Average total loans	$15,504,725,500	85
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9658%	2,836
Cost of funding earning assets	0.5377%	2,701
Net interest margin	3.4281%	2,681
Noninterest income to average assets	1.4781%	557
Noninterest expense to average assets	2.8892%	1,712
Loan and lease loss provision to assets	0.3806%	846
Net operating income to assets	1.0091%	2,259
Return on assets (ROA)	1.0093%	2,402
Pretax return on assets	1.2726%	2,075
Return on Equity (ROE)	8.3202%	2,681
Retained earnings to average equity (ytd only)	5.1842%	2,195
Net charge-offs to loans	0.1818%	927
Credit loss provision to net charge-offs	312.6818%	1,689
Earnings coverage of net charge-offs (x)	13.5793%	2,271
Efficiency ratio	62.6722%	3,022
Assets per employee ($millions)	5.2426%	3,102
Cash dividends to net income (ytd only)*	37.6920%	2,462
Condition Ratios (%)
Loss allowance to loans	1.5833%	1,342
Loan loss allowance to noncurrent loans	220.8007%	2,183
Noncurrent assets plus other real estate owned to assets	0.5067%	2,042
Noncurrent loans to loans	0.7171%	1,907
Net loans and leases to total assets	63.0568%	2,482
Net loans and leases to deposits	77.3954%	2,139
Net loans and leases to core deposits	80.8030%	2,289
Total domestic deposits to total assets	81.4736%	3,766
Equity capital to assets	11.7140%	1,726
Core capital (leverage) ratio	8.6286%	4,070
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2411%	2,149
Memoranda:
Average total assets	$22,594,859,000	87
Average earning assets	$20,195,621,600	88
Average equity	$2,740,924,800	82
Average total loans	$15,127,272,800	84
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0379%	2,869
Cost of funding earning assets	0.5791%	2,745
Net interest margin	3.4588%	2,725
Noninterest income to average assets	1.5397%	494
Noninterest expense to average assets	2.9161%	1,665
Loan and lease loss provision to assets	0.4860%	624
Net operating income to assets	0.9556%	2,498
Return on assets (ROA)	0.9556%	2,631
Pretax return on assets	1.2283%	2,295
Return on Equity (ROE)	7.8044%	2,880
Retained earnings to average equity (ytd only)	4.6631%	2,713
Net charge-offs to loans	0.1444%	1,013
Credit loss provision to net charge-offs	496.8715%	1,292
Earnings coverage of net charge-offs (x)	17.5254%	2,010
Efficiency ratio	62.0558%	3,071
Assets per employee ($millions)	5.0218%	3,225
Cash dividends to net income (ytd only)*	40.2503%	1,932
Condition Ratios (%)
Loss allowance to loans	1.6009%	1,102
Loan loss allowance to noncurrent loans	179.3387%	2,398
Noncurrent assets plus other real estate owned to assets	0.6204%	1,874
Noncurrent loans to loans	0.8926%	1,675
Net loans and leases to total assets	65.3934%	2,593
Net loans and leases to deposits	80.5823%	2,253
Net loans and leases to core deposits	84.2007%	2,453
Total domestic deposits to total assets	81.1511%	3,624
Equity capital to assets	11.8118%	1,790
Core capital (leverage) ratio	8.5912%	4,183
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	14.2028%	2,105
Memoranda:
Average total assets	$22,219,824,750	87
Average earning assets	$19,854,848,500	87
Average equity	$2,720,536,750	82
Average total loans	$15,049,601,750	84
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1188%	3,002
Cost of funding earning assets	0.6327%	2,800
Net interest margin	3.4861%	2,836
Noninterest income to average assets	1.5245%	448
Noninterest expense to average assets	3.0258%	1,517
Loan and lease loss provision to assets	0.6062%	520
Net operating income to assets	0.7848%	3,086
Return on assets (ROA)	0.7846%	3,207
Pretax return on assets	1.0043%	3,013
Return on Equity (ROE)	6.3277%	3,389
Retained earnings to average equity (ytd only)	3.1608%	3,320
Net charge-offs to loans	0.2007%	764
Credit loss provision to net charge-offs	442.9233%	1,319
Earnings coverage of net charge-offs (x)	11.7687%	2,090
Efficiency ratio	64.3185%	2,779
Assets per employee ($millions)	4.8446%	3,364
Cash dividends to net income (ytd only)*	50.0480%	1,554
Condition Ratios (%)
Loss allowance to loans	1.4995%	1,268
Loan loss allowance to noncurrent loans	173.4807%	2,369
Noncurrent assets plus other real estate owned to assets	0.6194%	1,962
Noncurrent loans to loans	0.8644%	1,763
Net loans and leases to total assets	67.0678%	2,489
Net loans and leases to deposits	82.2327%	2,182
Net loans and leases to core deposits	86.0449%	2,431
Total domestic deposits to total assets	81.5586%	3,484
Equity capital to assets	11.7710%	1,794
Core capital (leverage) ratio	8.5420%	4,356
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7890%	2,278
Memoranda:
Average total assets	$21,774,000,000	87
Average earning assets	$19,438,011,333	87
Average equity	$2,699,869,333	83
Average total loans	$14,847,619,000	85
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3257%	2,842
Cost of funding earning assets	0.7384%	2,732
Net interest margin	3.5873%	2,707
Noninterest income to average assets	1.4411%	431
Noninterest expense to average assets	3.1859%	1,453
Loan and lease loss provision to assets	0.8740%	269
Net operating income to assets	0.4622%	3,989
Return on assets (ROA)	0.4609%	4,048
Pretax return on assets	0.5704%	3,978
Return on Equity (ROE)	3.6164%	4,064
Retained earnings to average equity (ytd only)	0.3713%	3,907
Net charge-offs to loans	0.3822%	375
Credit loss provision to net charge-offs	335.1060%	1,095
Earnings coverage of net charge-offs (x)	5.5441%	2,049
Efficiency ratio	67.8007%	2,706
Assets per employee ($millions)	4.4428%	3,343
Cash dividends to net income (ytd only)*	89.7325%	865
Condition Ratios (%)
Loss allowance to loans	1.5119%	1,301
Loan loss allowance to noncurrent loans	185.9450%	2,184
Noncurrent assets plus other real estate owned to assets	0.6013%	2,202
Noncurrent loans to loans	0.8131%	1,979
Net loans and leases to total assets	67.5405%	2,610
Net loans and leases to deposits	84.9702%	2,109
Net loans and leases to core deposits	89.5680%	2,390
Total domestic deposits to total assets	79.4873%	3,958
Equity capital to assets	12.7434%	1,593
Core capital (leverage) ratio	8.8999%	4,536
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	13.7534%	2,373
Memoranda:
Average total assets	$21,053,313,500	85
Average earning assets	$18,725,665,000	86
Average equity	$2,683,460,500	84
Average total loans	$14,367,892,000	85
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5547%	2,764
Cost of funding earning assets	0.7342%	3,001
Net interest margin	3.8205%	2,441
Noninterest income to average assets	1.4476%	445
Noninterest expense to average assets	3.2705%	1,360
Loan and lease loss provision to assets	0.0078%	3,853
Net operating income to assets	1.2170%	1,990
Return on assets (ROA)	1.2177%	2,081
Pretax return on assets	1.5569%	1,627
Return on Equity (ROE)	9.8150%	2,381
Retained earnings to average equity (ytd only)	6.7642%	1,498
Net charge-offs to loans	0.0182%	3,069
Credit loss provision to net charge-offs	59.9042%	3,037
Earnings coverage of net charge-offs (x)	120.1454%	590
Efficiency ratio	66.6720%	2,667
Assets per employee ($millions)	4.4878%	3,239
Cash dividends to net income (ytd only)*	31.0824%	3,031
Condition Ratios (%)
Loss allowance to loans	0.8324%	4,209
Loan loss allowance to noncurrent loans	123.6073%	2,922
Noncurrent assets plus other real estate owned to assets	0.4894%	2,454
Noncurrent loans to loans	0.6734%	2,198
Net loans and leases to total assets	67.3481%	2,778
Net loans and leases to deposits	87.1708%	1,947
Net loans and leases to core deposits	91.7085%	2,257
Total domestic deposits to total assets	77.2599%	4,464
Equity capital to assets	12.7486%	1,675
Core capital (leverage) ratio	9.6882%	3,863
Tier 1 risk-based capital ratio	11.6030%	4,575
Total risk-based capital ratio	14.1737%	3,709
Memoranda:
Average total assets	$19,238,352,600	87
Average earning assets	$17,053,967,000	89
Average equity	$2,386,777,200	87
Average total loans	$13,792,988,400	82
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5892%	2,759
Cost of funding earning assets	0.7385%	3,023
Net interest margin	3.8507%	2,431
Noninterest income to average assets	1.4514%	432
Noninterest expense to average assets	3.3161%	1,234
Loan and lease loss provision to assets	0.0106%	3,677
Net operating income to assets	1.1943%	2,214
Return on assets (ROA)	1.1955%	2,286
Pretax return on assets	1.5361%	1,849
Return on Equity (ROE)	9.7112%	2,565
Retained earnings to average equity (ytd only)	6.6302%	2,039
Net charge-offs to loans	0.0455%	2,188
Credit loss provision to net charge-offs	32.1750%	2,900
Earnings coverage of net charge-offs (x)	46.6931%	1,248
Efficiency ratio	67.2482%	2,538
Assets per employee ($millions)	4.2497%	3,552
Cash dividends to net income (ytd only)*	31.7258%	2,523
Condition Ratios (%)
Loss allowance to loans	0.8144%	4,370
Loan loss allowance to noncurrent loans	125.6508%	2,929
Noncurrent assets plus other real estate owned to assets	0.5083%	2,490
Noncurrent loans to loans	0.6482%	2,339
Net loans and leases to total assets	71.6810%	2,224
Net loans and leases to deposits	89.8958%	1,709
Net loans and leases to core deposits	94.5441%	2,129
Total domestic deposits to total assets	79.7378%	4,038
Equity capital to assets	12.5330%	1,892
Core capital (leverage) ratio	9.1392%	4,522
Tier 1 risk-based capital ratio	10.5441%	5,062
Total risk-based capital ratio	11.2816%	5,131
Memoranda:
Average total assets	$18,782,643,750	90
Average earning assets	$16,632,844,500	90
Average equity	$2,312,217,250	91
Average total loans	$13,665,389,000	83
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5631%	2,791
Cost of funding earning assets	0.7301%	2,998
Net interest margin	3.8329%	2,469
Noninterest income to average assets	1.4069%	439
Noninterest expense to average assets	3.3394%	1,211
Loan and lease loss provision to assets	0.0109%	3,536
Net operating income to assets	1.1353%	2,388
Return on assets (ROA)	1.1362%	2,464
Pretax return on assets	1.4600%	1,995
Return on Equity (ROE)	9.2897%	2,733
Retained earnings to average equity (ytd only)	6.2679%	2,166
Net charge-offs to loans	0.0801%	1,562
Credit loss provision to net charge-offs	18.5908%	2,663
Earnings coverage of net charge-offs (x)	25.1688%	1,606
Efficiency ratio	68.4244%	2,461
Assets per employee ($millions)	4.1344%	3,676
Cash dividends to net income (ytd only)*	32.5278%	2,529
Condition Ratios (%)
Loss allowance to loans	0.8360%	4,317
Loan loss allowance to noncurrent loans	146.2037%	2,685
Noncurrent assets plus other real estate owned to assets	0.4504%	2,714
Noncurrent loans to loans	0.5718%	2,544
Net loans and leases to total assets	72.4519%	2,154
Net loans and leases to deposits	91.6535%	1,529
Net loans and leases to core deposits	96.2197%	2,043
Total domestic deposits to total assets	79.0497%	4,209
Equity capital to assets	12.2869%	1,998
Core capital (leverage) ratio	8.9599%	4,659
Tier 1 risk-based capital ratio	10.5171%	5,101
Total risk-based capital ratio	11.2773%	5,165
Memoranda:
Average total assets	$18,422,537,000	91
Average earning assets	$16,352,869,670	90
Average equity	$2,253,147,330	90
Average total loans	$13,435,560,670	83
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5031%	2,851
Cost of funding earning assets	0.7096%	3,007
Net interest margin	3.7935%	2,551
Noninterest income to average assets	1.4020%	438
Noninterest expense to average assets	3.3004%	1,287
Loan and lease loss provision to assets	0.0110%	3,290
Net operating income to assets	1.1356%	2,328
Return on assets (ROA)	1.1363%	2,372
Pretax return on assets	1.4601%	1,886
Return on Equity (ROE)	9.3130%	2,667
Retained earnings to average equity (ytd only)	6.2555%	2,338
Net charge-offs to loans	0.1230%	1,009
Credit loss provision to net charge-offs	12.2820%	2,171
Earnings coverage of net charge-offs (x)	16.4004%	1,698
Efficiency ratio	68.2643%	2,604
Assets per employee ($millions)	4.1921%	3,638
Cash dividends to net income (ytd only)*	32.8307%	2,147
Condition Ratios (%)
Loss allowance to loans	0.8816%	4,239
Loan loss allowance to noncurrent loans	150.4766%	2,652
Noncurrent assets plus other real estate owned to assets	0.4755%	2,711
Noncurrent loans to loans	0.5859%	2,578
Net loans and leases to total assets	71.4970%	2,253
Net loans and leases to deposits	89.9749%	1,638
Net loans and leases to core deposits	94.2049%	2,107
Total domestic deposits to total assets	79.4633%	4,258
Equity capital to assets	12.1543%	1,935
Core capital (leverage) ratio	9.0308%	4,633
Tier 1 risk-based capital ratio	10.7529%	5,089
Total risk-based capital ratio	11.5538%	5,161
Memoranda:
Average total assets	$18,163,906,500	93
Average earning assets	$16,129,985,500	93
Average equity	$2,216,161,000	91
Average total loans	$13,234,376,000	85
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2995%	3,112
Cost of funding earning assets	0.5143%	3,260
Net interest margin	3.7851%	2,718
Noninterest income to average assets	1.6376%	358
Noninterest expense to average assets	3.4467%	1,079
Loan and lease loss provision to assets	0.0265%	3,648
Net operating income to assets	1.3013%	1,794
Return on assets (ROA)	1.3019%	1,779
Pretax return on assets	1.5597%	1,592
Return on Equity (ROE)	10.8828%	2,139
Retained earnings to average equity (ytd only)	7.8546%	1,303
Net charge-offs to loans	0.0212%	2,999
Credit loss provision to net charge-offs	171.1027%	1,632
Earnings coverage of net charge-offs (x)	102.4684%	732
Efficiency ratio	67.7188%	2,595
Assets per employee ($millions)	4.0514%	3,827
Cash dividends to net income (ytd only)*	27.8257%	3,140
Condition Ratios (%)
Loss allowance to loans	0.9059%	4,128
Loan loss allowance to noncurrent loans	134.5307%	2,914
Noncurrent assets plus other real estate owned to assets	0.5471%	2,409
Noncurrent loans to loans	0.6734%	2,313
Net loans and leases to total assets	72.9346%	2,112
Net loans and leases to deposits	94.0060%	1,281
Net loans and leases to core deposits	97.7967%	1,883
Total domestic deposits to total assets	77.5851%	4,548
Equity capital to assets	12.2484%	1,729
Core capital (leverage) ratio	9.0584%	4,597
Tier 1 risk-based capital ratio	10.8439%	5,048
Total risk-based capital ratio	11.6804%	5,113
Memoranda:
Average total assets	$16,998,909,400	95
Average earning assets	$15,244,239,800	96
Average equity	$2,033,633,400	94
Average total loans	$12,411,549,800	88
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2147%	3,269
Cost of funding earning assets	0.4640%	3,431
Net interest margin	3.7507%	2,822
Noninterest income to average assets	1.7550%	336
Noninterest expense to average assets	3.4556%	1,041
Loan and lease loss provision to assets	0.0279%	3,448
Net operating income to assets	1.3873%	1,536
Return on assets (ROA)	1.3871%	1,537
Pretax return on assets	1.6445%	1,431
Return on Equity (ROE)	11.6692%	1,919
Retained earnings to average equity (ytd only)	8.6807%	1,352
Net charge-offs to loans	0.0074%	3,153
Credit loss provision to net charge-offs	513.9501%	688
Earnings coverage of net charge-offs (x)	308.4925%	303
Efficiency ratio	66.6700%	2,765
Assets per employee ($millions)	4.0419%	3,818
Cash dividends to net income (ytd only)*	25.6101%	2,768
Condition Ratios (%)
Loss allowance to loans	0.9615%	3,998
Loan loss allowance to noncurrent loans	206.9939%	2,190
Noncurrent assets plus other real estate owned to assets	0.3637%	3,216
Noncurrent loans to loans	0.4645%	2,994
Net loans and leases to total assets	72.2253%	2,294
Net loans and leases to deposits	94.4079%	1,330
Net loans and leases to core deposits	98.0147%	1,929
Total domestic deposits to total assets	76.5034%	4,727
Equity capital to assets	12.2624%	1,734
Core capital (leverage) ratio	9.6776%	3,970
Tier 1 risk-based capital ratio	11.7088%	4,666
Total risk-based capital ratio	12.5972%	4,765
Memoranda:
Average total assets	$16,746,530,750	96
Average earning assets	$15,060,924,250	95
Average equity	$1,990,607,500	95
Average total loans	$12,200,825,250	88
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1830%	3,164
Cost of funding earning assets	0.4198%	3,575
Net interest margin	3.7632%	2,700
Noninterest income to average assets	1.8083%	317
Noninterest expense to average assets	3.5262%	963
Loan and lease loss provision to assets	0.0422%	3,057
Net operating income to assets	1.2973%	1,784
Return on assets (ROA)	1.2975%	1,774
Pretax return on assets	1.6314%	1,398
Return on Equity (ROE)	11.0369%	2,096
Retained earnings to average equity (ytd only)	8.1783%	1,548
Net charge-offs to loans	0.0295%	2,269
Credit loss provision to net charge-offs	196.6292%	1,323
Earnings coverage of net charge-offs (x)	77.9140%	834
Efficiency ratio	67.0832%	2,805
Assets per employee ($millions)	3.9460%	3,989
Cash dividends to net income (ytd only)*	25.8999%	2,764
Condition Ratios (%)
Loss allowance to loans	0.9534%	4,096
Loan loss allowance to noncurrent loans	180.6568%	2,440
Noncurrent assets plus other real estate owned to assets	0.4307%	3,000
Noncurrent loans to loans	0.5278%	2,835
Net loans and leases to total assets	72.3090%	2,226
Net loans and leases to deposits	93.6144%	1,402
Net loans and leases to core deposits	96.9906%	1,969
Total domestic deposits to total assets	77.2413%	4,701
Equity capital to assets	12.0272%	1,838
Core capital (leverage) ratio	9.3830%	4,266
Tier 1 risk-based capital ratio	11.4153%	4,829
Total risk-based capital ratio	12.2991%	4,923
Memoranda:
Average total assets	$16,575,689,330	96
Average earning assets	$14,937,255,670	96
Average equity	$1,948,685,000	97
Average total loans	$12,072,295,330	88
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1586%	3,031
Cost of funding earning assets	0.3855%	3,693
Net interest margin	3.7731%	2,533
Noninterest income to average assets	1.9303%	282
Noninterest expense to average assets	3.6348%	830
Loan and lease loss provision to assets	0.0246%	3,201
Net operating income to assets	1.3162%	1,590
Return on assets (ROA)	1.3168%	1,594
Pretax return on assets	1.6816%	1,166
Return on Equity (ROE)	11.3389%	1,840
Retained earnings to average equity (ytd only)	8.3640%	1,700
Net charge-offs to loans	-0.0080%	4,165
Credit loss provision to net charge-offs	-425.5319%	3,963
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.3252%	2,951
Assets per employee ($millions)	3.9931%	3,991
Cash dividends to net income (ytd only)*	26.2362%	2,254
Condition Ratios (%)
Loss allowance to loans	0.9598%	4,174
Loan loss allowance to noncurrent loans	166.2940%	2,574
Noncurrent assets plus other real estate owned to assets	0.4723%	2,965
Noncurrent loans to loans	0.5772%	2,811
Net loans and leases to total assets	71.6899%	2,224
Net loans and leases to deposits	90.1402%	1,676
Net loans and leases to core deposits	93.5098%	2,176
Total domestic deposits to total assets	79.5315%	4,489
Equity capital to assets	11.9863%	1,798
Core capital (leverage) ratio	9.3871%	4,207
Tier 1 risk-based capital ratio	11.3103%	4,973
Total risk-based capital ratio	12.1920%	5,066
Memoranda:
Average total assets	$16,249,376,500	97
Average earning assets	$14,685,647,000	97
Average equity	$1,886,986,000	97
Average total loans	$11,819,672,500	90
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7883%	4,087
Cost of funding earning assets	0.2882%	4,241
Net interest margin	3.5001%	3,530
Noninterest income to average assets	1.7746%	355
Noninterest expense to average assets	3.3653%	1,262
Loan and lease loss provision to assets	0.0201%	3,897
Net operating income to assets	1.0435%	2,079
Return on assets (ROA)	1.0507%	2,078
Pretax return on assets	1.5908%	1,319
Return on Equity (ROE)	9.9126%	1,925
Retained earnings to average equity (ytd only)	1.2387%	4,529
Net charge-offs to loans	0.0768%	2,353
Credit loss provision to net charge-offs	35.1453%	3,488
Earnings coverage of net charge-offs (x)	27.9322%	1,619
Efficiency ratio	67.2326%	3,044
Assets per employee ($millions)	3.8785%	4,145
Cash dividends to net income (ytd only)*	87.5042%	588
Condition Ratios (%)
Loss allowance to loans	1.0557%	3,588
Loan loss allowance to noncurrent loans	167.9120%	2,601
Noncurrent assets plus other real estate owned to assets	0.4993%	2,888
Noncurrent loans to loans	0.6287%	2,646
Net loans and leases to total assets	72.3653%	2,166
Net loans and leases to deposits	94.1362%	1,257
Net loans and leases to core deposits	97.5859%	1,892
Total domestic deposits to total assets	76.8729%	4,869
Equity capital to assets	11.1931%	2,435
Core capital (leverage) ratio	10.1247%	3,278
Tier 1 risk-based capital ratio	12.1550%	4,425
Total risk-based capital ratio	13.1345%	4,489
Memoranda:
Average total assets	$14,900,956,000	98
Average earning assets	$13,584,263,600	97
Average equity	$1,579,451,600	109
Average total loans	$11,111,924,800	89
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7728%	4,091
Cost of funding earning assets	0.2786%	4,330
Net interest margin	3.4942%	3,521
Noninterest income to average assets	1.8272%	355
Noninterest expense to average assets	3.3935%	1,169
Loan and lease loss provision to assets	0.0225%	3,691
Net operating income to assets	1.0615%	2,277
Return on assets (ROA)	1.0681%	2,287
Pretax return on assets	1.6080%	1,390
Return on Equity (ROE)	10.2245%	2,030
Retained earnings to average equity (ytd only)	-1.5910%	5,403
Net charge-offs to loans	0.0810%	1,993
Credit loss provision to net charge-offs	37.0920%	3,019
Earnings coverage of net charge-offs (x)	26.6892%	1,669
Efficiency ratio	67.1333%	3,030
Assets per employee ($millions)	3.7367%	4,400
Cash dividends to net income (ytd only)*	115.5611%	189
Condition Ratios (%)
Loss allowance to loans	1.0671%	3,685
Loan loss allowance to noncurrent loans	207.2748%	2,182
Noncurrent assets plus other real estate owned to assets	0.4309%	3,305
Noncurrent loans to loans	0.5148%	3,161
Net loans and leases to total assets	75.0595%	1,756
Net loans and leases to deposits	94.1847%	1,280
Net loans and leases to core deposits	97.7415%	1,905
Total domestic deposits to total assets	79.6939%	4,395
Equity capital to assets	10.5426%	3,326
Core capital (leverage) ratio	9.0302%	4,705
Tier 1 risk-based capital ratio	10.8358%	5,326
Total risk-based capital ratio	11.8333%	5,355
Memoranda:
Average total assets	$14,799,081,500	97
Average earning assets	$13,497,779,250	96
Average equity	$1,545,943,250	109
Average total loans	$11,090,855,250	88
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7100%	4,197
Cost of funding earning assets	0.2633%	4,435
Net interest margin	3.4467%	3,604
Noninterest income to average assets	1.8491%	357
Noninterest expense to average assets	3.3896%	1,194
Loan and lease loss provision to assets	0.0270%	3,459
Net operating income to assets	1.0447%	2,231
Return on assets (ROA)	1.0544%	2,231
Pretax return on assets	1.5913%	1,374
Return on Equity (ROE)	10.1247%	1,976
Retained earnings to average equity (ytd only)	-4.3966%	5,508
Net charge-offs to loans	0.0755%	1,864
Credit loss provision to net charge-offs	47.9042%	2,586
Earnings coverage of net charge-offs (x)	28.4443%	1,503
Efficiency ratio	67.3343%	3,128
Assets per employee ($millions)	3.7225%	4,409
Cash dividends to net income (ytd only)*	143.4243%	179
Condition Ratios (%)
Loss allowance to loans	1.0845%	3,670
Loan loss allowance to noncurrent loans	185.9356%	2,373
Noncurrent assets plus other real estate owned to assets	0.4922%	3,118
Noncurrent loans to loans	0.5833%	2,981
Net loans and leases to total assets	74.6673%	1,757
Net loans and leases to deposits	92.9166%	1,368
Net loans and leases to core deposits	96.3492%	1,954
Total domestic deposits to total assets	80.3595%	4,331
Equity capital to assets	10.3605%	3,498
Core capital (leverage) ratio	8.8820%	4,862
Tier 1 risk-based capital ratio	10.6354%	5,407
Total risk-based capital ratio	11.6458%	5,433
Memoranda:
Average total assets	$14,812,109,000	95
Average earning assets	$13,510,971,000	93
Average equity	$1,542,563,330	108
Average total loans	$11,055,047,330	86
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.6544%	4,262
Cost of funding earning assets	0.2476%	4,555
Net interest margin	3.4067%	3,633
Noninterest income to average assets	1.8685%	340
Noninterest expense to average assets	3.3762%	1,242
Loan and lease loss provision to assets	0.0270%	3,221
Net operating income to assets	1.0433%	2,104
Return on assets (ROA)	1.0624%	2,058
Pretax return on assets	1.6039%	1,228
Return on Equity (ROE)	10.1751%	1,887
Retained earnings to average equity (ytd only)	-12.3545%	5,626
Net charge-offs to loans	-0.0168%	4,644
Credit loss provision to net charge-offs	-217.3913%	4,057
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	67.2610%	3,307
Assets per employee ($millions)	3.7412%	4,432
Cash dividends to net income (ytd only)*	221.4191%	196
Condition Ratios (%)
Loss allowance to loans	1.1413%	3,462
Loan loss allowance to noncurrent loans	161.5391%	2,666
Noncurrent assets plus other real estate owned to assets	0.5783%	2,920
Noncurrent loans to loans	0.7065%	2,725
Net loans and leases to total assets	72.9566%	1,922
Net loans and leases to deposits	89.7084%	1,573
Net loans and leases to core deposits	92.9395%	2,071
Total domestic deposits to total assets	81.3264%	4,337
Equity capital to assets	10.2384%	3,476
Core capital (leverage) ratio	8.7058%	5,036
Tier 1 risk-based capital ratio	10.6414%	5,488
Total risk-based capital ratio	11.6968%	5,489
Memoranda:
Average total assets	$14,793,676,000	94
Average earning assets	$13,503,667,500	93
Average equity	$1,544,631,000	108
Average total loans	$10,978,128,000	87
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7469%	4,065
Cost of funding earning assets	0.2205%	4,829
Net interest margin	3.5264%	3,329
Noninterest income to average assets	1.9314%	356
Noninterest expense to average assets	3.6741%	913
Loan and lease loss provision to assets	0.0281%	3,793
Net operating income to assets	0.9670%	2,500
Return on assets (ROA)	0.9676%	2,603
Pretax return on assets	1.4370%	1,794
Return on Equity (ROE)	8.6373%	2,598
Retained earnings to average equity (ytd only)	-3.4076%	5,607
Net charge-offs to loans	0.0625%	2,807
Credit loss provision to net charge-offs	59.5061%	3,258
Earnings coverage of net charge-offs (x)	30.9960%	1,403
Efficiency ratio	70.8091%	2,779
Assets per employee ($millions)	3.6827%	4,507
Cash dividends to net income (ytd only)*	139.4518%	177
Condition Ratios (%)
Loss allowance to loans	1.1262%	3,563
Loan loss allowance to noncurrent loans	163.2509%	2,635
Noncurrent assets plus other real estate owned to assets	0.5678%	3,035
Noncurrent loans to loans	0.6899%	2,809
Net loans and leases to total assets	73.7811%	1,879
Net loans and leases to deposits	92.8520%	1,320
Net loans and leases to core deposits	96.2027%	1,908
Total domestic deposits to total assets	79.4610%	4,685
Equity capital to assets	10.6458%	2,983
Core capital (leverage) ratio	9.1685%	4,525
Tier 1 risk-based capital ratio	10.9363%	5,375
Total risk-based capital ratio	11.9735%	5,383
Memoranda:
Average total assets	$14,229,669,000	95
Average earning assets	$12,940,563,200	94
Average equity	$1,594,047,400	101
Average total loans	$10,754,109,800	87
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7524%	4,074
Cost of funding earning assets	0.2138%	4,936
Net interest margin	3.5385%	3,324
Noninterest income to average assets	1.9175%	367
Noninterest expense to average assets	3.7219%	825
Loan and lease loss provision to assets	0.0284%	3,673
Net operating income to assets	0.9327%	2,740
Return on assets (ROA)	0.9333%	2,860
Pretax return on assets	1.3854%	2,100
Return on Equity (ROE)	8.2245%	2,892
Retained earnings to average equity (ytd only)	-2.7704%	5,639
Net charge-offs to loans	0.0445%	2,757
Credit loss provision to net charge-offs	84.0336%	2,616
Earnings coverage of net charge-offs (x)	41.8726%	1,201
Efficiency ratio	71.7922%	2,606
Assets per employee ($millions)	3.6684%	4,539
Cash dividends to net income (ytd only)*	133.6844%	164
Condition Ratios (%)
Loss allowance to loans	1.1585%	3,493
Loan loss allowance to noncurrent loans	172.4905%	2,507
Noncurrent assets plus other real estate owned to assets	0.5777%	3,169
Noncurrent loans to loans	0.6717%	3,013
Net loans and leases to total assets	73.5435%	1,945
Net loans and leases to deposits	92.5437%	1,426
Net loans and leases to core deposits	95.9171%	1,999
Total domestic deposits to total assets	79.4690%	4,626
Equity capital to assets	10.9926%	3,019
Core capital (leverage) ratio	9.5537%	4,110
Tier 1 risk-based capital ratio	11.1454%	5,291
Total risk-based capital ratio	12.1989%	5,311
Memoranda:
Average total assets	$14,106,185,250	95
Average earning assets	$12,825,398,250	94
Average equity	$1,600,697,750	101
Average total loans	$10,695,893,750	85
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7642%	4,074
Cost of funding earning assets	0.2083%	5,061
Net interest margin	3.5559%	3,276
Noninterest income to average assets	1.9024%	363
Noninterest expense to average assets	3.8186%	751
Loan and lease loss provision to assets	0.0430%	3,287
Net operating income to assets	0.8548%	3,075
Return on assets (ROA)	0.8557%	3,190
Pretax return on assets	1.2704%	2,522
Return on Equity (ROE)	7.4592%	3,289
Retained earnings to average equity (ytd only)	-5.6102%	5,772
Net charge-offs to loans	0.0474%	2,535
Credit loss provision to net charge-offs	118.9061%	1,883
Earnings coverage of net charge-offs (x)	36.2513%	1,233
Efficiency ratio	73.7336%	2,399
Assets per employee ($millions)	3.5048%	4,745
Cash dividends to net income (ytd only)*	175.2121%	151
Condition Ratios (%)
Loss allowance to loans	1.1768%	3,485
Loan loss allowance to noncurrent loans	180.0165%	2,500
Noncurrent assets plus other real estate owned to assets	0.6033%	3,215
Noncurrent loans to loans	0.6537%	3,118
Net loans and leases to total assets	75.5052%	1,567
Net loans and leases to deposits	93.6335%	1,318
Net loans and leases to core deposits	96.9927%	1,894
Total domestic deposits to total assets	80.6391%	4,378
Equity capital to assets	11.3152%	2,729
Core capital (leverage) ratio	9.6833%	3,954
Tier 1 risk-based capital ratio	11.2064%	5,311
Total risk-based capital ratio	12.2855%	5,326
Memoranda:
Average total assets	$13,940,301,670	96
Average earning assets	$12,656,244,330	95
Average equity	$1,599,148,000	101
Average total loans	$10,639,171,670	86
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7673%	4,071
Cost of funding earning assets	0.2050%	5,152
Net interest margin	3.5622%	3,231
Noninterest income to average assets	1.8845%	370
Noninterest expense to average assets	4.0416%	575
Loan and lease loss provision to assets	0.0289%	3,274
Net operating income to assets	0.7021%	3,700
Return on assets (ROA)	0.7021%	3,816
Pretax return on assets	1.0465%	3,293
Return on Equity (ROE)	6.0786%	3,949
Retained earnings to average equity (ytd only)	-14.4210%	5,897
Net charge-offs to loans	0.0360%	2,256
Credit loss provision to net charge-offs	105.0420%	1,562
Earnings coverage of net charge-offs (x)	39.1155%	1,017
Efficiency ratio	78.2839%	1,852
Assets per employee ($millions)	3.4862%	4,831
Cash dividends to net income (ytd only)*	337.2404%	96
Condition Ratios (%)
Loss allowance to loans	1.1936%	3,519
Loan loss allowance to noncurrent loans	146.2582%	2,814
Noncurrent assets plus other real estate owned to assets	0.7128%	2,929
Noncurrent loans to loans	0.8161%	2,798
Net loans and leases to total assets	75.2661%	1,509
Net loans and leases to deposits	90.9743%	1,462
Net loans and leases to core deposits	93.7255%	2,017
Total domestic deposits to total assets	82.7334%	3,992
Equity capital to assets	11.3359%	2,586
Core capital (leverage) ratio	9.7107%	3,896
Tier 1 risk-based capital ratio	11.2737%	5,358
Total risk-based capital ratio	12.3652%	5,351
Memoranda:
Average total assets	$13,851,856,000	97
Average earning assets	$12,569,203,000	96
Average equity	$1,600,027,500	98
Average total loans	$10,565,683,500	87
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7750%	4,117
Cost of funding earning assets	0.2207%	5,089
Net interest margin	3.5544%	3,303
Noninterest income to average assets	1.9765%	364
Noninterest expense to average assets	3.8686%	791
Loan and lease loss provision to assets	-0.0954%	5,846
Net operating income to assets	0.9681%	2,532
Return on assets (ROA)	0.9688%	2,603
Pretax return on assets	1.4243%	1,805
Return on Equity (ROE)	8.2839%	2,806
Retained earnings to average equity (ytd only)	2.0085%	4,588
Net charge-offs to loans	0.0293%	3,632
Credit loss provision to net charge-offs	-435.5109%	5,416
Earnings coverage of net charge-offs (x)	60.6127%	861
Efficiency ratio	73.6831%	2,630
Assets per employee ($millions)	3.4458%	4,911
Cash dividends to net income (ytd only)*	75.7541%	1,014
Condition Ratios (%)
Loss allowance to loans	1.2006%	3,477
Loan loss allowance to noncurrent loans	148.7006%	2,834
Noncurrent assets plus other real estate owned to assets	0.7237%	2,892
Noncurrent loans to loans	0.8074%	2,765
Net loans and leases to total assets	75.4612%	1,500
Net loans and leases to deposits	92.1376%	1,385
Net loans and leases to core deposits	94.9010%	1,957
Total domestic deposits to total assets	81.9005%	4,189
Equity capital to assets	11.7680%	2,136
Core capital (leverage) ratio	10.2321%	3,219
Tier 1 risk-based capital ratio	11.8046%	5,065
Total risk-based capital ratio	12.8998%	5,075
Memoranda:
Average total assets	$13,625,595,200	95
Average earning assets	$12,343,895,800	95
Average equity	$1,593,516,200	94
Average total loans	$10,181,419,200	87
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7670%	4,190
Cost of funding earning assets	0.2252%	5,132
Net interest margin	3.5417%	3,376
Noninterest income to average assets	2.0184%	358
Noninterest expense to average assets	3.7703%	891
Loan and lease loss provision to assets	-0.1276%	6,036
Net operating income to assets	1.0725%	2,123
Return on assets (ROA)	1.0731%	2,215
Pretax return on assets	1.5838%	1,430
Return on Equity (ROE)	9.1904%	2,473
Retained earnings to average equity (ytd only)	0.7848%	5,381
Net charge-offs to loans	-0.0471%	5,528
Credit loss provision to net charge-offs	364.5541%	818
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.3757%	2,984
Assets per employee ($millions)	3.5150%	4,769
Cash dividends to net income (ytd only)*	91.4612%	496
Condition Ratios (%)
Loss allowance to loans	1.2799%	3,207
Loan loss allowance to noncurrent loans	185.5724%	2,405
Noncurrent assets plus other real estate owned to assets	0.6923%	3,174
Noncurrent loans to loans	0.6897%	3,252
Net loans and leases to total assets	74.4771%	1,643
Net loans and leases to deposits	92.5604%	1,353
Net loans and leases to core deposits	95.2320%	1,957
Total domestic deposits to total assets	80.4633%	4,615
Equity capital to assets	11.6556%	2,376
Core capital (leverage) ratio	10.1253%	3,466
Tier 1 risk-based capital ratio	11.7532%	5,235
Total risk-based capital ratio	12.9202%	5,207
Memoranda:
Average total assets	$13,584,462,750	97
Average earning assets	$12,301,341,750	96
Average equity	$1,586,189,750	95
Average total loans	$10,093,612,750	88
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7443%	4,258
Cost of funding earning assets	0.2290%	5,158
Net interest margin	3.5153%	3,439
Noninterest income to average assets	2.1247%	341
Noninterest expense to average assets	3.8356%	831
Loan and lease loss provision to assets	-0.1479%	6,128
Net operating income to assets	1.0955%	1,971
Return on assets (ROA)	1.0961%	2,065
Pretax return on assets	1.6174%	1,282
Return on Equity (ROE)	9.3812%	2,346
Retained earnings to average equity (ytd only)	-0.1141%	5,529
Net charge-offs to loans	-0.1175%	5,846
Credit loss provision to net charge-offs	170.3578%	1,407
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	71.5265%	3,067
Assets per employee ($millions)	3.5043%	4,780
Cash dividends to net income (ytd only)*	101.2159%	506
Condition Ratios (%)
Loss allowance to loans	1.3542%	2,968
Loan loss allowance to noncurrent loans	199.4923%	2,242
Noncurrent assets plus other real estate owned to assets	0.6872%	3,342
Noncurrent loans to loans	0.6788%	3,450
Net loans and leases to total assets	73.9475%	1,672
Net loans and leases to deposits	90.3336%	1,556
Net loans and leases to core deposits	93.0256%	2,065
Total domestic deposits to total assets	81.8605%	4,342
Equity capital to assets	11.6582%	2,283
Core capital (leverage) ratio	10.1248%	3,434
Tier 1 risk-based capital ratio	11.8769%	5,232
Total risk-based capital ratio	13.1160%	5,136
Memoranda:
Average total assets	$13,520,900,000	99
Average earning assets	$12,229,359,670	98
Average equity	$1,579,729,000	97
Average total loans	$9,994,036,670	91
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7440%	4,219
Cost of funding earning assets	0.2318%	5,194
Net interest margin	3.5122%	3,380
Noninterest income to average assets	2.1179%	339
Noninterest expense to average assets	3.9777%	715
Loan and lease loss provision to assets	-0.1485%	6,234
Net operating income to assets	0.9908%	2,304
Return on assets (ROA)	0.9911%	2,433
Pretax return on assets	1.4627%	1,684
Return on Equity (ROE)	8.4735%	2,711
Retained earnings to average equity (ytd only)	-4.2217%	5,877
Net charge-offs to loans	0.0317%	2,552
Credit loss provision to net charge-offs	-638.5696%	4,881
Earnings coverage of net charge-offs (x)	56.4981%	773
Efficiency ratio	74.3901%	2,746
Assets per employee ($millions)	3.4869%	4,919
Cash dividends to net income (ytd only)*	149.8217%	372
Condition Ratios (%)
Loss allowance to loans	1.3781%	3,025
Loan loss allowance to noncurrent loans	243.8876%	1,890
Noncurrent assets plus other real estate owned to assets	0.6160%	3,641
Noncurrent loans to loans	0.5650%	3,893
Net loans and leases to total assets	71.7893%	1,841
Net loans and leases to deposits	86.8659%	1,732
Net loans and leases to core deposits	89.3582%	2,191
Total domestic deposits to total assets	82.6439%	4,292
Equity capital to assets	11.5603%	2,410
Core capital (leverage) ratio	10.0265%	3,565
Tier 1 risk-based capital ratio	11.9767%	5,256
Total risk-based capital ratio	13.2289%	5,147
Memoranda:
Average total assets	$13,469,033,000	99
Average earning assets	$12,170,306,500	98
Average equity	$1,575,397,000	96
Average total loans	$9,884,359,000	92
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8384%	4,359
Cost of funding earning assets	0.2715%	5,076
Net interest margin	3.5669%	3,531
Noninterest income to average assets	1.9249%	363
Noninterest expense to average assets	3.8054%	984
Loan and lease loss provision to assets	0.0000%	4,603
Net operating income to assets	0.9201%	2,778
Return on assets (ROA)	0.9203%	2,868
Pretax return on assets	1.3252%	2,159
Return on Equity (ROE)	7.7160%	3,264
Retained earnings to average equity (ytd only)	3.8776%	3,459
Net charge-offs to loans	0.1146%	2,887
Credit loss provision to net charge-offs	0.0000%	4,203
Earnings coverage of net charge-offs (x)	16.0861%	2,039
Efficiency ratio	73.2987%	2,968
Assets per employee ($millions)	3.3975%	5,066
Cash dividends to net income (ytd only)*	49.7463%	2,294
Condition Ratios (%)
Loss allowance to loans	1.4458%	2,713
Loan loss allowance to noncurrent loans	234.2257%	1,994
Noncurrent assets plus other real estate owned to assets	0.7120%	3,442
Noncurrent loans to loans	0.6173%	3,832
Net loans and leases to total assets	72.9231%	1,771
Net loans and leases to deposits	87.7386%	1,766
Net loans and leases to core deposits	90.2521%	2,254
Total domestic deposits to total assets	83.1141%	4,038
Equity capital to assets	11.8357%	2,143
Core capital (leverage) ratio	10.1699%	3,347
Tier 1 risk-based capital ratio	12.7580%	4,882
Total risk-based capital ratio	14.0156%	4,787
Memoranda:
Average total assets	$13,105,210,400	97
Average earning assets	$11,776,910,400	98
Average equity	$1,563,137,200	95
Average total loans	$9,417,187,600	91
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8389%	4,410
Cost of funding earning assets	0.2796%	5,099
Net interest margin	3.5593%	3,595
Noninterest income to average assets	1.9765%	353
Noninterest expense to average assets	3.8214%	944
Loan and lease loss provision to assets	0.0000%	4,401
Net operating income to assets	0.9295%	2,781
Return on assets (ROA)	0.9296%	2,873
Pretax return on assets	1.3506%	2,190
Return on Equity (ROE)	7.7784%	3,328
Retained earnings to average equity (ytd only)	3.9323%	3,846
Net charge-offs to loans	0.1330%	2,461
Credit loss provision to net charge-offs	0.0000%	3,801
Earnings coverage of net charge-offs (x)	14.2371%	2,159
Efficiency ratio	73.0165%	2,994
Assets per employee ($millions)	3.3165%	5,211
Cash dividends to net income (ytd only)*	49.4467%	1,861
Condition Ratios (%)
Loss allowance to loans	1.4917%	2,759
Loan loss allowance to noncurrent loans	254.6120%	1,781
Noncurrent assets plus other real estate owned to assets	0.7596%	3,536
Noncurrent loans to loans	0.5859%	4,166
Net loans and leases to total assets	72.7666%	1,723
Net loans and leases to deposits	89.1639%	1,530
Net loans and leases to core deposits	91.8473%	2,049
Total domestic deposits to total assets	81.6099%	4,627
Equity capital to assets	12.1647%	1,933
Core capital (leverage) ratio	10.1562%	3,468
Tier 1 risk-based capital ratio	12.7540%	5,004
Total risk-based capital ratio	14.0111%	4,910
Memoranda:
Average total assets	$13,052,823,500	97
Average earning assets	$11,717,999,250	99
Average equity	$1,559,946,750	96
Average total loans	$9,308,490,500	92
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8145%	4,472
Cost of funding earning assets	0.2849%	5,131
Net interest margin	3.5295%	3,660
Noninterest income to average assets	1.9876%	348
Noninterest expense to average assets	3.7786%	999
Loan and lease loss provision to assets	0.0000%	4,196
Net operating income to assets	0.9400%	2,596
Return on assets (ROA)	0.9400%	2,703
Pretax return on assets	1.3728%	1,991
Return on Equity (ROE)	7.9124%	3,146
Retained earnings to average equity (ytd only)	4.0419%	3,605
Net charge-offs to loans	0.1328%	2,340
Credit loss provision to net charge-offs	0.0000%	3,401
Earnings coverage of net charge-offs (x)	14.6716%	1,899
Efficiency ratio	72.4796%	3,246
Assets per employee ($millions)	3.1601%	5,485
Cash dividends to net income (ytd only)*	48.9165%	1,974
Condition Ratios (%)
Loss allowance to loans	1.5618%	2,618
Loan loss allowance to noncurrent loans	219.8034%	1,972
Noncurrent assets plus other real estate owned to assets	0.9415%	3,184
Noncurrent loans to loans	0.7105%	3,929
Net loans and leases to total assets	71.4555%	1,831
Net loans and leases to deposits	87.1512%	1,689
Net loans and leases to core deposits	89.9121%	2,136
Total domestic deposits to total assets	81.9903%	4,656
Equity capital to assets	12.1320%	1,897
Core capital (leverage) ratio	10.0683%	3,510
Tier 1 risk-based capital ratio	12.7432%	5,067
Total risk-based capital ratio	14.0009%	5,009
Memoranda:
Average total assets	$13,049,147,330	98
Average earning assets	$11,696,976,670	99
Average equity	$1,550,204,000	98
Average total loans	$9,194,631,670	92
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7901%	4,526
Cost of funding earning assets	0.2954%	5,113
Net interest margin	3.4948%	3,722
Noninterest income to average assets	1.9448%	351
Noninterest expense to average assets	3.7692%	1,030
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.8964%	2,675
Return on assets (ROA)	0.8964%	2,735
Pretax return on assets	1.3071%	2,068
Return on Equity (ROE)	7.6256%	3,133
Retained earnings to average equity (ytd only)	3.7245%	3,897
Net charge-offs to loans	0.1556%	1,783
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	12.1067%	1,738
Efficiency ratio	73.3947%	3,247
Assets per employee ($millions)	3.3039%	5,333
Cash dividends to net income (ytd only)*	51.1579%	1,654
Condition Ratios (%)
Loss allowance to loans	1.6390%	2,550
Loan loss allowance to noncurrent loans	188.3543%	2,190
Noncurrent assets plus other real estate owned to assets	1.0891%	3,072
Noncurrent loans to loans	0.8702%	3,719
Net loans and leases to total assets	68.3897%	2,162
Net loans and leases to deposits	83.3103%	1,905
Net loans and leases to core deposits	86.0300%	2,317
Total domestic deposits to total assets	82.0903%	4,914
Equity capital to assets	11.7989%	2,010
Core capital (leverage) ratio	9.8432%	3,798
Tier 1 risk-based capital ratio	12.9205%	5,043
Total risk-based capital ratio	14.1788%	4,981
Memoranda:
Average total assets	$13,084,479,500	97
Average earning assets	$11,725,037,500	97
Average equity	$1,538,033,000	95
Average total loans	$9,081,464,500	91
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8216%	4,731
Cost of funding earning assets	0.3623%	5,027
Net interest margin	3.4593%	4,060
Noninterest income to average assets	1.9999%	387
Noninterest expense to average assets	3.9491%	921
Loan and lease loss provision to assets	0.0569%	4,008
Net operating income to assets	0.7695%	3,447
Return on assets (ROA)	0.7697%	3,540
Pretax return on assets	1.0988%	2,951
Return on Equity (ROE)	6.7898%	3,678
Retained earnings to average equity (ytd only)	4.4488%	3,009
Net charge-offs to loans	0.2121%	2,767
Credit loss provision to net charge-offs	40.0427%	4,046
Earnings coverage of net charge-offs (x)	8.1348%	2,724
Efficiency ratio	76.9250%	2,633
Assets per employee ($millions)	3.3019%	5,290
Cash dividends to net income (ytd only)*	34.4783%	3,076
Condition Ratios (%)
Loss allowance to loans	1.6971%	2,411
Loan loss allowance to noncurrent loans	164.0642%	2,474
Noncurrent assets plus other real estate owned to assets	1.2487%	2,921
Noncurrent loans to loans	1.0344%	3,441
Net loans and leases to total assets	68.1067%	2,341
Net loans and leases to deposits	82.9494%	2,069
Net loans and leases to core deposits	85.6525%	2,489
Total domestic deposits to total assets	82.1062%	4,835
Equity capital to assets	11.7100%	2,021
Core capital (leverage) ratio	9.8092%	3,830
Tier 1 risk-based capital ratio	12.8294%	5,097
Total risk-based capital ratio	14.0886%	5,034
Memoranda:
Average total assets	$13,187,883,200	93
Average earning assets	$11,835,425,600	92
Average equity	$1,495,083,000	95
Average total loans	$8,828,698,800	89
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8076%	4,827
Cost of funding earning assets	0.3732%	5,062
Net interest margin	3.4343%	4,149
Noninterest income to average assets	2.0322%	410
Noninterest expense to average assets	3.9936%	865
Loan and lease loss provision to assets	0.0756%	3,546
Net operating income to assets	0.7363%	3,670
Return on assets (ROA)	0.7364%	3,799
Pretax return on assets	1.0480%	3,310
Return on Equity (ROE)	6.5487%	3,905
Retained earnings to average equity (ytd only)	4.3076%	3,615
Net charge-offs to loans	0.2733%	2,185
Credit loss provision to net charge-offs	41.6852%	3,674
Earnings coverage of net charge-offs (x)	6.1941%	3,018
Efficiency ratio	77.6220%	2,468
Assets per employee ($millions)	3.2433%	5,401
Cash dividends to net income (ytd only)*	34.2222%	2,511
Condition Ratios (%)
Loss allowance to loans	1.7395%	2,489
Loan loss allowance to noncurrent loans	125.3523%	2,915
Noncurrent assets plus other real estate owned to assets	1.5450%	2,616
Noncurrent loans to loans	1.3877%	3,094
Net loans and leases to total assets	67.2950%	2,414
Net loans and leases to deposits	81.6681%	2,177
Net loans and leases to core deposits	84.4434%	2,605
Total domestic deposits to total assets	82.4005%	4,793
Equity capital to assets	11.5944%	2,229
Core capital (leverage) ratio	9.8491%	3,893
Tier 1 risk-based capital ratio	13.1209%	5,039
Total risk-based capital ratio	14.3805%	4,979
Memoranda:
Average total assets	$13,226,729,500	90
Average earning assets	$11,880,421,500	91
Average equity	$1,487,328,250	96
Average total loans	$8,778,565,000	87
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7842%	4,876
Cost of funding earning assets	0.3860%	5,071
Net interest margin	3.3983%	4,188
Noninterest income to average assets	2.1332%	407
Noninterest expense to average assets	4.0783%	792
Loan and lease loss provision to assets	0.1050%	3,036
Net operating income to assets	0.7080%	3,767
Return on assets (ROA)	0.7082%	3,938
Pretax return on assets	1.0028%	3,500
Return on Equity (ROE)	6.3620%	3,957
Retained earnings to average equity (ytd only)	2.9918%	4,416
Net charge-offs to loans	0.2380%	2,294
Credit loss provision to net charge-offs	67.1850%	2,888
Earnings coverage of net charge-offs (x)	7.0832%	2,600
Efficiency ratio	78.2199%	2,423
Assets per employee ($millions)	3.2790%	5,316
Cash dividends to net income (ytd only)*	52.9740%	1,740
Condition Ratios (%)
Loss allowance to loans	1.8302%	2,334
Loan loss allowance to noncurrent loans	106.6671%	3,298
Noncurrent assets plus other real estate owned to assets	1.8127%	2,394
Noncurrent loans to loans	1.7158%	2,744
Net loans and leases to total assets	65.4031%	2,697
Net loans and leases to deposits	79.0376%	2,454
Net loans and leases to core deposits	81.5818%	2,844
Total domestic deposits to total assets	82.7493%	4,799
Equity capital to assets	11.1461%	2,614
Core capital (leverage) ratio	9.5127%	4,228
Tier 1 risk-based capital ratio	12.8725%	5,243
Total risk-based capital ratio	14.1326%	5,169
Memoranda:
Average total assets	$13,327,478,330	89
Average earning assets	$11,971,868,000	90
Average equity	$1,483,599,670	95
Average total loans	$8,754,253,000	87
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7758%	4,901
Cost of funding earning assets	0.4025%	5,079
Net interest margin	3.3734%	4,217
Noninterest income to average assets	2.0641%	415
Noninterest expense to average assets	3.9643%	923
Loan and lease loss provision to assets	0.1195%	2,730
Net operating income to assets	0.7209%	3,587
Return on assets (ROA)	0.7213%	3,719
Pretax return on assets	1.0189%	3,268
Return on Equity (ROE)	6.4832%	3,772
Retained earnings to average equity (ytd only)	6.4832%	2,414
Net charge-offs to loans	0.2686%	1,884
Credit loss provision to net charge-offs	68.2128%	2,320
Earnings coverage of net charge-offs (x)	6.4942%	2,208
Efficiency ratio	77.2633%	2,724
Assets per employee ($millions)	3.1708%	5,693
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	1.8708%	2,388
Loan loss allowance to noncurrent loans	85.8891%	3,756
Noncurrent assets plus other real estate owned to assets	2.1341%	2,202
Noncurrent loans to loans	2.1781%	2,415
Net loans and leases to total assets	63.7261%	2,766
Net loans and leases to deposits	76.4611%	2,559
Net loans and leases to core deposits	79.0045%	2,927
Total domestic deposits to total assets	83.3445%	4,736
Equity capital to assets	11.2031%	2,736
Core capital (leverage) ratio	9.4411%	4,179
Tier 1 risk-based capital ratio	12.7990%	5,372
Total risk-based capital ratio	14.0588%	5,312
Memoranda:
Average total assets	$13,387,240,500	91
Average earning assets	$12,056,346,500	89
Average equity	$1,489,316,500	93
Average total loans	$8,731,653,500	88
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1482%	4,778
Cost of funding earning assets	0.5126%	5,131
Net interest margin	3.6356%	3,940
Noninterest income to average assets	1.8588%	485
Noninterest expense to average assets	3.8942%	1,104
Loan and lease loss provision to assets	0.2120%	3,025
Net operating income to assets	0.7110%	3,692
Return on assets (ROA)	0.7134%	3,935
Pretax return on assets	1.0088%	3,521
Return on Equity (ROE)	6.5496%	3,885
Retained earnings to average equity (ytd only)	6.5496%	1,791
Net charge-offs to loans	0.6628%	1,778
Credit loss provision to net charge-offs	47.7392%	4,745
Earnings coverage of net charge-offs (x)	2.7418%	4,056
Efficiency ratio	75.7071%	2,798
Assets per employee ($millions)	3.1649%	5,702
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	1.8750%	2,368
Loan loss allowance to noncurrent loans	78.8991%	3,950
Noncurrent assets plus other real estate owned to assets	2.3278%	2,109
Noncurrent loans to loans	2.3764%	2,256
Net loans and leases to total assets	64.2780%	2,849
Net loans and leases to deposits	77.8289%	2,560
Net loans and leases to core deposits	80.5525%	2,934
Total domestic deposits to total assets	82.5888%	4,895
Equity capital to assets	11.0467%	2,893
Core capital (leverage) ratio	9.3376%	4,347
Tier 1 risk-based capital ratio	12.4758%	5,496
Total risk-based capital ratio	13.7351%	5,444
Memoranda:
Average total assets	$13,209,803,600	90
Average earning assets	$11,819,192,000	89
Average equity	$1,438,881,800	95
Average total loans	$8,848,751,200	83
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2176%	4,755
Cost of funding earning assets	0.5341%	5,221
Net interest margin	3.6835%	3,863
Noninterest income to average assets	1.8757%	458
Noninterest expense to average assets	3.8677%	1,109
Loan and lease loss provision to assets	0.2228%	2,835
Net operating income to assets	0.7557%	3,671
Return on assets (ROA)	0.7577%	3,911
Pretax return on assets	1.0815%	3,417
Return on Equity (ROE)	6.9814%	3,831
Retained earnings to average equity (ytd only)	6.9814%	2,144
Net charge-offs to loans	0.7232%	1,527
Credit loss provision to net charge-offs	45.7390%	4,498
Earnings coverage of net charge-offs (x)	2.6715%	3,967
Efficiency ratio	74.3600%	2,923
Assets per employee ($millions)	3.1117%	5,819
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	1.9175%	2,420
Loan loss allowance to noncurrent loans	76.4169%	3,966
Noncurrent assets plus other real estate owned to assets	2.6420%	1,998
Noncurrent loans to loans	2.5093%	2,284
Net loans and leases to total assets	65.3734%	2,758
Net loans and leases to deposits	78.8262%	2,554
Net loans and leases to core deposits	81.7421%	2,998
Total domestic deposits to total assets	82.9336%	4,662
Equity capital to assets	11.1416%	3,107
Core capital (leverage) ratio	9.2643%	4,655
Tier 1 risk-based capital ratio	12.2215%	5,822
Total risk-based capital ratio	13.4810%	5,790
Memoranda:
Average total assets	$13,164,630,500	89
Average earning assets	$11,770,503,750	89
Average equity	$1,428,799,000	98
Average total loans	$8,868,036,500	84
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2714%	4,680
Cost of funding earning assets	0.5555%	5,263
Net interest margin	3.7159%	3,750
Noninterest income to average assets	1.8706%	439
Noninterest expense to average assets	3.9016%	1,075
Loan and lease loss provision to assets	0.2434%	2,632
Net operating income to assets	0.7351%	3,679
Return on assets (ROA)	0.7378%	3,936
Pretax return on assets	1.0465%	3,534
Return on Equity (ROE)	6.8591%	3,853
Retained earnings to average equity (ytd only)	6.8591%	2,182
Net charge-offs to loans	0.7939%	1,388
Credit loss provision to net charge-offs	45.3630%	4,142
Earnings coverage of net charge-offs (x)	2.3966%	3,798
Efficiency ratio	74.7664%	2,940
Assets per employee ($millions)	3.1051%	5,839
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	1.9878%	2,263
Loan loss allowance to noncurrent loans	72.7007%	4,088
Noncurrent assets plus other real estate owned to assets	2.9335%	1,884
Noncurrent loans to loans	2.7342%	2,196
Net loans and leases to total assets	65.9815%	2,673
Net loans and leases to deposits	79.1509%	2,501
Net loans and leases to core deposits	82.2552%	2,932
Total domestic deposits to total assets	83.3617%	4,596
Equity capital to assets	10.9707%	3,153
Core capital (leverage) ratio	9.0851%	4,788
Tier 1 risk-based capital ratio	12.0355%	5,904
Total risk-based capital ratio	13.2959%	5,878
Memoranda:
Average total assets	$13,144,645,000	88
Average earning assets	$11,734,285,670	87
Average equity	$1,413,923,670	97
Average total loans	$8,885,920,330	85
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3085%	4,701
Cost of funding earning assets	0.5778%	5,295
Net interest margin	3.7308%	3,693
Noninterest income to average assets	1.9926%	413
Noninterest expense to average assets	3.9234%	1,032
Loan and lease loss provision to assets	0.3043%	2,068
Net operating income to assets	0.7703%	3,524
Return on assets (ROA)	0.7719%	3,754
Pretax return on assets	1.0978%	3,330
Return on Equity (ROE)	7.2480%	3,631
Retained earnings to average equity (ytd only)	7.2480%	2,304
Net charge-offs to loans	1.0484%	992
Credit loss provision to net charge-offs	42.8431%	3,400
Earnings coverage of net charge-offs (x)	1.9711%	3,352
Efficiency ratio	73.2674%	3,208
Assets per employee ($millions)	3.1598%	5,849
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	2.0532%	2,211
Loan loss allowance to noncurrent loans	71.3072%	3,987
Noncurrent assets plus other real estate owned to assets	3.1778%	1,820
Noncurrent loans to loans	2.8793%	2,243
Net loans and leases to total assets	65.1874%	2,620
Net loans and leases to deposits	78.1163%	2,485
Net loans and leases to core deposits	81.2885%	2,918
Total domestic deposits to total assets	83.4491%	4,731
Equity capital to assets	10.6151%	3,364
Core capital (leverage) ratio	8.8393%	5,083
Tier 1 risk-based capital ratio	11.7310%	6,141
Total risk-based capital ratio	12.9920%	6,111
Memoranda:
Average total assets	$13,146,515,500	88
Average earning assets	$11,736,509,500	86
Average equity	$1,400,063,000	98
Average total loans	$8,905,675,500	85
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5409%	4,913
Cost of funding earning assets	0.7695%	5,061
Net interest margin	3.7714%	3,971
Noninterest income to average assets	1.7620%	460
Noninterest expense to average assets	3.8078%	1,338
Loan and lease loss provision to assets	0.9749%	981
Net operating income to assets	0.2898%	5,291
Return on assets (ROA)	0.3643%	5,181
Pretax return on assets	0.4433%	5,155
Return on Equity (ROE)	3.5519%	5,049
Retained earnings to average equity (ytd only)	1.8712%	4,879
Net charge-offs to loans	1.4297%	1,138
Credit loss provision to net charge-offs	98.6389%	3,641
Earnings coverage of net charge-offs (x)	1.3429%	4,766
Efficiency ratio	73.6674%	3,285
Assets per employee ($millions)	3.0609%	5,974
Cash dividends to net income (ytd only)*	47.3173%	2,208
Condition Ratios (%)
Loss allowance to loans	2.1782%	1,839
Loan loss allowance to noncurrent loans	69.6271%	4,073
Noncurrent assets plus other real estate owned to assets	3.4952%	1,697
Noncurrent loans to loans	3.1283%	2,065
Net loans and leases to total assets	67.4562%	2,498
Net loans and leases to deposits	80.6604%	2,411
Net loans and leases to core deposits	84.2292%	2,862
Total domestic deposits to total assets	83.6298%	4,487
Equity capital to assets	10.6851%	3,317
Core capital (leverage) ratio	8.6684%	5,294
Tier 1 risk-based capital ratio	11.4638%	6,186
Total risk-based capital ratio	12.7262%	6,164
Memoranda:
Average total assets	$13,342,999,000	82
Average earning assets	$11,933,766,000	83
Average equity	$1,368,503,200	94
Average total loans	$9,224,068,800	79
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5618%	5,030
Cost of funding earning assets	0.8071%	5,102
Net interest margin	3.7548%	4,089
Noninterest income to average assets	1.7863%	447
Noninterest expense to average assets	3.7979%	1,308
Loan and lease loss provision to assets	1.1002%	745
Net operating income to assets	0.2180%	5,651
Return on assets (ROA)	0.3226%	5,483
Pretax return on assets	0.3699%	5,554
Return on Equity (ROE)	3.1771%	5,352
Retained earnings to average equity (ytd only)	1.9061%	5,188
Net charge-offs to loans	1.5507%	922
Credit loss provision to net charge-offs	102.5662%	3,245
Earnings coverage of net charge-offs (x)	1.2585%	4,674
Efficiency ratio	73.2928%	3,315
Assets per employee ($millions)	3.0991%	5,900
Cash dividends to net income (ytd only)*	40.0074%	2,028
Condition Ratios (%)
Loss allowance to loans	2.1795%	1,904
Loan loss allowance to noncurrent loans	62.0467%	4,369
Noncurrent assets plus other real estate owned to assets	3.6709%	1,707
Noncurrent loans to loans	3.5127%	1,958
Net loans and leases to total assets	67.9002%	2,502
Net loans and leases to deposits	81.6993%	2,417
Net loans and leases to core deposits	86.3470%	2,731
Total domestic deposits to total assets	82.4012%	4,925
Equity capital to assets	10.5930%	3,585
Core capital (leverage) ratio	8.5139%	5,691
Tier 1 risk-based capital ratio	11.1228%	6,468
Total risk-based capital ratio	12.3849%	6,450
Memoranda:
Average total assets	$13,431,162,500	82
Average earning assets	$12,024,442,250	83
Average equity	$1,363,620,250	95
Average total loans	$9,290,609,750	78
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5895%	5,010
Cost of funding earning assets	0.8462%	5,088
Net interest margin	3.7433%	4,065
Noninterest income to average assets	1.8465%	402
Noninterest expense to average assets	3.8037%	1,338
Loan and lease loss provision to assets	1.2691%	592
Net operating income to assets	0.1212%	5,960
Return on assets (ROA)	0.2627%	5,632
Pretax return on assets	0.2780%	5,718
Return on Equity (ROE)	2.6249%	5,553
Retained earnings to average equity (ytd only)	0.5541%	5,631
Net charge-offs to loans	1.8215%	761
Credit loss provision to net charge-offs	100.8411%	3,074
Earnings coverage of net charge-offs (x)	1.1109%	4,444
Efficiency ratio	72.6422%	3,609
Assets per employee ($millions)	3.0867%	5,908
Cash dividends to net income (ytd only)*	78.8910%	813
Condition Ratios (%)
Loss allowance to loans	2.1273%	2,062
Loan loss allowance to noncurrent loans	58.9835%	4,501
Noncurrent assets plus other real estate owned to assets	3.6390%	1,803
Noncurrent loans to loans	3.6067%	1,951
Net loans and leases to total assets	68.0445%	2,600
Net loans and leases to deposits	80.9985%	2,618
Net loans and leases to core deposits	85.7028%	2,953
Total domestic deposits to total assets	83.2237%	4,659
Equity capital to assets	10.2787%	3,783
Core capital (leverage) ratio	8.2345%	5,973
Tier 1 risk-based capital ratio	10.8171%	6,645
Total risk-based capital ratio	12.0794%	6,609
Memoranda:
Average total assets	$13,508,555,670	82
Average earning assets	$12,108,241,330	85
Average equity	$1,352,103,000	97
Average total loans	$9,333,537,670	79
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5844%	5,012
Cost of funding earning assets	0.8747%	5,095
Net interest margin	3.7098%	4,048
Noninterest income to average assets	1.8286%	417
Noninterest expense to average assets	3.6380%	1,683
Loan and lease loss provision to assets	1.5750%	392
Net operating income to assets	0.0560%	6,218
Return on assets (ROA)	0.0563%	6,260
Pretax return on assets	-0.0543%	6,409
Return on Equity (ROE)	0.5701%	6,251
Retained earnings to average equity (ytd only)	-3.3064%	6,332
Net charge-offs to loans	2.2259%	544
Credit loss provision to net charge-offs	102.7277%	2,583
Earnings coverage of net charge-offs (x)	0.9915%	3,916
Efficiency ratio	70.0407%	4,263
Assets per employee ($millions)	3.1457%	5,840
Cash dividends to net income (ytd only)*	679.9163%	21
Condition Ratios (%)
Loss allowance to loans	2.1381%	2,102
Loan loss allowance to noncurrent loans	52.8106%	4,849
Noncurrent assets plus other real estate owned to assets	3.7805%	1,784
Noncurrent loans to loans	4.0487%	1,789
Net loans and leases to total assets	67.0314%	2,750
Net loans and leases to deposits	79.5699%	2,796
Net loans and leases to core deposits	84.5402%	3,094
Total domestic deposits to total assets	83.3581%	4,767
Equity capital to assets	9.8588%	3,959
Core capital (leverage) ratio	7.7879%	6,475
Tier 1 risk-based capital ratio	10.3495%	6,887
Total risk-based capital ratio	11.6115%	6,866
Memoranda:
Average total assets	$13,581,690,000	82
Average earning assets	$12,189,697,000	83
Average equity	$1,341,417,500	98
Average total loans	$9,355,345,500	82
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9083%	4,988
Cost of funding earning assets	1.0915%	5,179
Net interest margin	3.8168%	3,881
Noninterest income to average assets	1.8180%	467
Noninterest expense to average assets	3.5005%	2,178
Loan and lease loss provision to assets	1.5222%	969
Net operating income to assets	0.2256%	5,195
Return on assets (ROA)	0.2448%	5,276
Pretax return on assets	0.2254%	5,427
Return on Equity (ROE)	2.3837%	5,229
Retained earnings to average equity (ytd only)	-4.1187%	6,213
Net charge-offs to loans	1.8886%	1,091
Credit loss provision to net charge-offs	111.3953%	3,939
Earnings coverage of net charge-offs (x)	1.2649%	4,841
Efficiency ratio	66.3879%	4,897
Assets per employee ($millions)	3.1596%	5,754
Cash dividends to net income (ytd only)*	272.7827%	80
Condition Ratios (%)
Loss allowance to loans	2.0871%	2,097
Loan loss allowance to noncurrent loans	54.8275%	4,728
Noncurrent assets plus other real estate owned to assets	3.6162%	1,902
Noncurrent loans to loans	3.8067%	1,940
Net loans and leases to total assets	67.8203%	3,024
Net loans and leases to deposits	80.9386%	3,003
Net loans and leases to core deposits	86.1791%	3,299
Total domestic deposits to total assets	82.9071%	4,831
Equity capital to assets	9.8944%	3,884
Core capital (leverage) ratio	7.8701%	6,357
Tier 1 risk-based capital ratio	10.3216%	6,813
Total risk-based capital ratio	11.5800%	6,782
Memoranda:
Average total assets	$13,403,068,000	83
Average earning assets	$11,977,962,400	82
Average equity	$1,376,403,200	90
Average total loans	$9,697,515,000	76
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9651%	4,970
Cost of funding earning assets	1.1273%	5,269
Net interest margin	3.8378%	3,804
Noninterest income to average assets	1.7420%	472
Noninterest expense to average assets	3.5033%	2,026
Loan and lease loss provision to assets	1.6054%	803
Net operating income to assets	0.1148%	5,734
Return on assets (ROA)	0.1452%	5,811
Pretax return on assets	0.0879%	5,930
Return on Equity (ROE)	1.4007%	5,794
Retained earnings to average equity (ytd only)	-5.0559%	6,558
Net charge-offs to loans	1.7983%	1,077
Credit loss provision to net charge-offs	122.0511%	3,367
Earnings coverage of net charge-offs (x)	1.2642%	4,809
Efficiency ratio	67.2402%	4,614
Assets per employee ($millions)	3.1484%	5,804
Cash dividends to net income (ytd only)*	460.9562%	22
Condition Ratios (%)
Loss allowance to loans	2.1257%	1,937
Loan loss allowance to noncurrent loans	56.9614%	4,507
Noncurrent assets plus other real estate owned to assets	3.2600%	2,190
Noncurrent loans to loans	3.7318%	2,080
Net loans and leases to total assets	69.5396%	2,841
Net loans and leases to deposits	85.3234%	2,459
Net loans and leases to core deposits	91.3152%	2,904
Total domestic deposits to total assets	80.5663%	5,520
Equity capital to assets	10.0367%	4,115
Core capital (leverage) ratio	8.0666%	6,251
Tier 1 risk-based capital ratio	10.2966%	6,896
Total risk-based capital ratio	11.5582%	6,881
Memoranda:
Average total assets	$13,348,597,750	83
Average earning assets	$11,909,926,500	81
Average equity	$1,383,575,500	89
Average total loans	$9,763,223,500	75
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0351%	4,769
Cost of funding earning assets	1.1554%	5,370
Net interest margin	3.8797%	3,538
Noninterest income to average assets	1.6840%	457
Noninterest expense to average assets	3.5048%	2,018
Loan and lease loss provision to assets	1.5955%	821
Net operating income to assets	0.0020%	6,080
Return on assets (ROA)	0.0088%	6,174
Pretax return on assets	0.0445%	6,083
Return on Equity (ROE)	0.0844%	6,172
Retained earnings to average equity (ytd only)	-6.6759%	6,711
Net charge-offs to loans	1.6563%	1,140
Credit loss provision to net charge-offs	130.4304%	3,084
Earnings coverage of net charge-offs (x)	1.3319%	4,496
Efficiency ratio	67.6795%	4,636
Assets per employee ($millions)	3.1143%	5,888
Cash dividends to net income (ytd only)*	8,006.8143%	2
Condition Ratios (%)
Loss allowance to loans	2.0591%	2,051
Loan loss allowance to noncurrent loans	70.7196%	3,810
Noncurrent assets plus other real estate owned to assets	2.6188%	2,760
Noncurrent loans to loans	2.9117%	2,746
Net loans and leases to total assets	71.1530%	2,623
Net loans and leases to deposits	85.6885%	2,556
Net loans and leases to core deposits	91.8628%	3,010
Total domestic deposits to total assets	82.0980%	4,941
Equity capital to assets	10.1822%	3,797
Core capital (leverage) ratio	8.1448%	6,041
Tier 1 risk-based capital ratio	10.2580%	6,872
Total risk-based capital ratio	11.5186%	6,842
Memoranda:
Average total assets	$13,271,794,670	81
Average earning assets	$11,801,955,000	81
Average equity	$1,390,474,000	88
Average total loans	$9,801,676,670	74
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0828%	4,615
Cost of funding earning assets	1.1575%	5,617
Net interest margin	3.9253%	3,221
Noninterest income to average assets	1.7746%	409
Noninterest expense to average assets	3.5420%	1,869
Loan and lease loss provision to assets	1.3190%	912
Net operating income to assets	0.3002%	5,301
Return on assets (ROA)	0.3281%	5,307
Pretax return on assets	0.4591%	5,090
Return on Equity (ROE)	3.0876%	5,296
Retained earnings to average equity (ytd only)	-2.9016%	6,342
Net charge-offs to loans	1.2486%	1,361
Credit loss provision to net charge-offs	141.8574%	2,506
Earnings coverage of net charge-offs (x)	1.8700%	3,608
Efficiency ratio	66.4920%	5,012
Assets per employee ($millions)	3.0695%	6,068
Cash dividends to net income (ytd only)*	193.9775%	213
Condition Ratios (%)
Loss allowance to loans	1.9277%	2,370
Loan loss allowance to noncurrent loans	84.5493%	3,238
Noncurrent assets plus other real estate owned to assets	2.1362%	3,339
Noncurrent loans to loans	2.2799%	3,417
Net loans and leases to total assets	72.6215%	2,295
Net loans and leases to deposits	87.9824%	2,232
Net loans and leases to core deposits	94.3486%	2,795
Total domestic deposits to total assets	81.6872%	5,202
Equity capital to assets	10.5546%	3,191
Core capital (leverage) ratio	8.6746%	5,061
Tier 1 risk-based capital ratio	10.9018%	6,250
Total risk-based capital ratio	12.1614%	6,222
Memoranda:
Average total assets	$13,198,026,500	79
Average earning assets	$11,788,525,500	79
Average equity	$1,402,520,500	85
Average total loans	$9,828,017,000	73
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2241%	5,537
Cost of funding earning assets	1.3330%	6,199
Net interest margin	3.8912%	3,302
Noninterest income to average assets	1.9596%	385
Noninterest expense to average assets	3.6049%	2,129
Loan and lease loss provision to assets	0.8800%	2,549
Net operating income to assets	0.6893%	2,980
Return on assets (ROA)	0.6890%	3,045
Pretax return on assets	0.9572%	2,737
Return on Equity (ROE)	6.5947%	2,957
Retained earnings to average equity (ytd only)	2.7181%	3,255
Net charge-offs to loans	0.7510%	2,949
Credit loss provision to net charge-offs	158.3876%	2,833
Earnings coverage of net charge-offs (x)	3.3075%	3,411
Efficiency ratio	65.5525%	5,481
Assets per employee ($millions)	2.9634%	6,314
Cash dividends to net income (ytd only)*	58.7838%	2,053
Condition Ratios (%)
Loss allowance to loans	1.7859%	2,596
Loan loss allowance to noncurrent loans	96.6473%	2,891
Noncurrent assets plus other real estate owned to assets	1.8340%	3,622
Noncurrent loans to loans	1.8478%	3,868
Net loans and leases to total assets	73.5476%	2,370
Net loans and leases to deposits	91.5041%	1,961
Net loans and leases to core deposits	111.1091%	2,784
Total domestic deposits to total assets	79.5527%	5,831
Equity capital to assets	10.6992%	2,967
Core capital (leverage) ratio	8.7897%	4,782
Tier 1 risk-based capital ratio	10.9488%	5,962
Total risk-based capital ratio	12.2065%	5,927
Memoranda:
Average total assets	$13,332,683,200	82
Average earning assets	$11,933,742,400	78
Average equity	$1,392,957,800	85
Average total loans	$9,863,822,200	71
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2302%	5,758
Cost of funding earning assets	1.3604%	6,365
Net interest margin	3.8697%	3,344
Noninterest income to average assets	1.9856%	374
Noninterest expense to average assets	3.5784%	2,074
Loan and lease loss provision to assets	0.5488%	3,192
Net operating income to assets	0.9157%	2,364
Return on assets (ROA)	0.9160%	2,430
Pretax return on assets	1.3256%	1,892
Return on Equity (ROE)	8.8198%	2,333
Retained earnings to average equity (ytd only)	5.5564%	2,172
Net charge-offs to loans	0.5819%	2,932
Credit loss provision to net charge-offs	127.8667%	3,924
Earnings coverage of net charge-offs (x)	4.3660%	3,162
Efficiency ratio	64.9327%	5,563
Assets per employee ($millions)	2.9860%	6,196
Cash dividends to net income (ytd only)*	37.0012%	2,580
Condition Ratios (%)
Loss allowance to loans	1.4716%	3,586
Loan loss allowance to noncurrent loans	137.2257%	2,070
Noncurrent assets plus other real estate owned to assets	1.2629%	4,541
Noncurrent loans to loans	1.0724%	5,167
Net loans and leases to total assets	73.0564%	2,773
Net loans and leases to deposits	94.8801%	1,735
Net loans and leases to core deposits	115.2471%	2,699
Total domestic deposits to total assets	76.6092%	6,446
Equity capital to assets	10.6854%	3,308
Core capital (leverage) ratio	8.8674%	4,870
Tier 1 risk-based capital ratio	11.1688%	5,794
Total risk-based capital ratio	12.4224%	5,731
Memoranda:
Average total assets	$13,374,989,250	85
Average earning assets	$11,981,736,000	80
Average equity	$1,389,100,000	88
Average total loans	$9,865,416,250	73
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2484%	5,878
Cost of funding earning assets	1.3878%	6,524
Net interest margin	3.8605%	3,287
Noninterest income to average assets	2.1055%	338
Noninterest expense to average assets	3.5769%	2,134
Loan and lease loss provision to assets	0.4853%	3,104
Net operating income to assets	1.0174%	2,046
Return on assets (ROA)	1.0179%	2,135
Pretax return on assets	1.4993%	1,443
Return on Equity (ROE)	9.8946%	2,055
Retained earnings to average equity (ytd only)	7.4300%	1,422
Net charge-offs to loans	0.5385%	2,712
Credit loss provision to net charge-offs	122.3961%	3,801
Earnings coverage of net charge-offs (x)	5.0036%	2,934
Efficiency ratio	63.6198%	5,978
Assets per employee ($millions)	2.9555%	6,250
Cash dividends to net income (ytd only)*	24.9092%	3,006
Condition Ratios (%)
Loss allowance to loans	1.4075%	3,684
Loan loss allowance to noncurrent loans	152.2467%	1,940
Noncurrent assets plus other real estate owned to assets	1.0732%	4,817
Noncurrent loans to loans	0.9245%	5,369
Net loans and leases to total assets	73.1412%	2,924
Net loans and leases to deposits	96.4091%	1,731
Net loans and leases to core deposits	116.3335%	2,683
Total domestic deposits to total assets	75.7739%	6,598
Equity capital to assets	10.5659%	3,322
Core capital (leverage) ratio	8.7393%	5,021
Tier 1 risk-based capital ratio	11.0970%	5,779
Total risk-based capital ratio	12.3501%	5,694
Memoranda:
Average total assets	$13,410,108,000	89
Average earning assets	$12,002,341,330	85
Average equity	$1,379,496,330	93
Average total loans	$9,874,186,330	79
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.2421%	6,152
Cost of funding earning assets	1.4201%	6,663
Net interest margin	3.8220%	3,364
Noninterest income to average assets	1.9173%	389
Noninterest expense to average assets	3.4967%	2,107
Loan and lease loss provision to assets	0.4438%	2,704
Net operating income to assets	0.9545%	2,497
Return on assets (ROA)	0.9546%	2,626
Pretax return on assets	1.3986%	1,969
Return on Equity (ROE)	9.4057%	2,571
Retained earnings to average equity (ytd only)	9.4057%	1,368
Net charge-offs to loans	0.5305%	2,127
Credit loss provision to net charge-offs	114.0317%	3,407
Earnings coverage of net charge-offs (x)	4.7338%	2,824
Efficiency ratio	64.7388%	5,558
Assets per employee ($millions)	2.9719%	6,231
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	1.3622%	3,723
Loan loss allowance to noncurrent loans	200.2350%	1,653
Noncurrent assets plus other real estate owned to assets	0.8525%	5,065
Noncurrent loans to loans	0.6803%	5,705
Net loans and leases to total assets	72.4634%	3,136
Net loans and leases to deposits	97.3677%	1,758
Net loans and leases to core deposits	115.7448%	2,824
Total domestic deposits to total assets	74.4225%	6,816
Equity capital to assets	10.2969%	3,658
Core capital (leverage) ratio	8.5379%	5,456
Tier 1 risk-based capital ratio	10.6831%	6,204
Total risk-based capital ratio	11.9345%	6,115
Memoranda:
Average total assets	$13,471,284,500	89
Average earning assets	$12,059,759,000	88
Average equity	$1,367,261,500	95
Average total loans	$9,882,492,000	83
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.9784%	5,649
Cost of funding earning assets	2.1223%	5,961
Net interest margin	3.8562%	3,769
Noninterest income to average assets	2.1655%	304
Noninterest expense to average assets	3.7089%	1,943
Loan and lease loss provision to assets	0.4222%	3,166
Net operating income to assets	1.0121%	2,501
Return on assets (ROA)	0.9823%	2,510
Pretax return on assets	1.4354%	1,858
Return on Equity (ROE)	9.7104%	2,357
Retained earnings to average equity (ytd only)	3.7659%	2,793
Net charge-offs to loans	0.3971%	2,828
Credit loss provision to net charge-offs	147.2349%	3,587
Earnings coverage of net charge-offs (x)	6.6310%	3,309
Efficiency ratio	65.3117%	5,249
Assets per employee ($millions)	2.9698%	6,123
Cash dividends to net income (ytd only)*	61.2178%	2,617
Condition Ratios (%)
Loss allowance to loans	1.3439%	3,509
Loan loss allowance to noncurrent loans	213.2707%	1,835
Noncurrent assets plus other real estate owned to assets	0.8050%	4,833
Noncurrent loans to loans	0.6301%	5,483
Net loans and leases to total assets	72.2710%	3,523
Net loans and leases to deposits	100.8264%	1,736
Net loans and leases to core deposits	119.0307%	2,784
Total domestic deposits to total assets	71.6787%	7,060
Equity capital to assets	10.0024%	4,035
Core capital (leverage) ratio	8.2995%	5,952
Tier 1 risk-based capital ratio	10.3540%	6,362
Total risk-based capital ratio	11.6058%	6,230
Memoranda:
Average total assets	$13,304,224,000	92
Average earning assets	$11,885,712,800	90
Average equity	$1,345,790,000	90
Average total loans	$9,606,970,200	82