Home > Centennial Bank > Performance and Condition Ratios
Centennial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0758% | 575 |
| Cost of funding earning assets | 1.7033% | 1,447 |
| Net interest margin | 4.3725% | 731 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.0241% | 3,568 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8130% | 600 |
| Return on assets (ROA) | 1.8511% | 549 |
| Pretax return on assets | 2.4167% | 371 |
| Return on Equity (ROE) | 11.5100% | 2,090 |
| Retained earnings to average equity (ytd only) | 2.3624% | 3,487 |
| Net charge-offs to loans | 0.0934% | 951 |
| Credit loss provision to net charge-offs | 89.2790% | 1,955 |
| Earnings coverage of net charge-offs (x) | 40.4646% | 1,439 |
| Efficiency ratio | 44.5447% | 4,238 |
| Assets per employee ($millions) | 8.0108% | 1,430 |
| Cash dividends to net income (ytd only)* | 79.4672% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 373 |
| Loan loss allowance to noncurrent loans | 449.6560% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 1,325 |
| Noncurrent loans to loans | 0.4444% | 1,669 |
| Net loans and leases to total assets | 62.6000% | 2,613 |
| Net loans and leases to deposits | 81.8451% | 1,958 |
| Net loans and leases to core deposits | 88.1628% | 2,168 |
| Total domestic deposits to total assets | 76.4900% | 3,895 |
| Equity capital to assets | 16.2806% | 437 |
| Core capital (leverage) ratio | 11.9243% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8544% | 1,575 |
| Memoranda: | ||
| Average total assets | $22,356,409,200 | 86 |
| Average earning assets | $19,469,475,400 | 88 |
| Average equity | $3,596,892,400 | 57 |
| Average total loans | $14,334,729,400 | 88 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0075% | 527 |
| Cost of funding earning assets | 1.5955% | 1,379 |
| Net interest margin | 4.4120% | 690 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 1.9728% | 3,660 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.8977% | 563 |
| Return on assets (ROA) | 1.9550% | 524 |
| Pretax return on assets | 2.5492% | 362 |
| Return on Equity (ROE) | 12.1900% | 2,075 |
| Retained earnings to average equity (ytd only) | 2.6890% | 3,587 |
| Net charge-offs to loans | 0.0969% | 803 |
| Credit loss provision to net charge-offs | 60.5362% | 1,856 |
| Earnings coverage of net charge-offs (x) | 40.4263% | 1,436 |
| Efficiency ratio | 42.9649% | 4,273 |
| Assets per employee ($millions) | 7.6636% | 1,532 |
| Cash dividends to net income (ytd only)* | 77.9373% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 387 |
| Loan loss allowance to noncurrent loans | 314.2914% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,391 |
| Noncurrent loans to loans | 0.6366% | 1,285 |
| Net loans and leases to total assets | 63.9200% | 2,457 |
| Net loans and leases to deposits | 82.3533% | 1,880 |
| Net loans and leases to core deposits | 87.7247% | 2,071 |
| Total domestic deposits to total assets | 77.6200% | 3,859 |
| Equity capital to assets | 16.2813% | 428 |
| Core capital (leverage) ratio | 11.9695% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7785% | 1,638 |
| Memoranda: | ||
| Average total assets | $22,299,892,250 | 87 |
| Average earning assets | $19,411,820,000 | 90 |
| Average equity | $3,576,975,250 | 58 |
| Average total loans | $14,312,229,750 | 89 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9173% | 490 |
| Cost of funding earning assets | 1.4741% | 1,291 |
| Net interest margin | 4.4433% | 661 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 1.9599% | 3,689 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.9427% | 511 |
| Return on assets (ROA) | 2.0221% | 444 |
| Pretax return on assets | 2.6299% | 299 |
| Return on Equity (ROE) | 12.6700% | 1,972 |
| Retained earnings to average equity (ytd only) | 2.8521% | 3,520 |
| Net charge-offs to loans | 0.1045% | 660 |
| Credit loss provision to net charge-offs | 46.7539% | 1,685 |
| Earnings coverage of net charge-offs (x) | 38.6033% | 1,420 |
| Efficiency ratio | 42.2391% | 4,330 |
| Assets per employee ($millions) | 7.7431% | 1,446 |
| Cash dividends to net income (ytd only)* | 77.4862% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 404 |
| Loan loss allowance to noncurrent loans | 472.2267% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 1,812 |
| Noncurrent loans to loans | 0.4266% | 1,658 |
| Net loans and leases to total assets | 62.9900% | 2,484 |
| Net loans and leases to deposits | 79.7058% | 2,006 |
| Net loans and leases to core deposits | 84.1604% | 2,203 |
| Total domestic deposits to total assets | 79.0300% | 3,717 |
| Equity capital to assets | 16.3149% | 419 |
| Core capital (leverage) ratio | 11.6887% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6212% | 1,687 |
| Memoranda: | ||
| Average total assets | $22,439,998,000 | 84 |
| Average earning assets | $19,549,471,333 | 88 |
| Average equity | $3,581,874,000 | 58 |
| Average total loans | $14,325,695,333 | 87 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 410 |
| Cost of funding earning assets | 1.3414% | 1,150 |
| Net interest margin | 4.4679% | 611 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 1.9289% | 3,795 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.0079% | 487 |
| Return on assets (ROA) | 2.0604% | 448 |
| Pretax return on assets | 2.6807% | 294 |
| Return on Equity (ROE) | 13.0500% | 1,974 |
| Retained earnings to average equity (ytd only) | 3.0173% | 3,499 |
| Net charge-offs to loans | 0.1028% | 592 |
| Credit loss provision to net charge-offs | 32.4324% | 1,346 |
| Earnings coverage of net charge-offs (x) | 40.2986% | 1,186 |
| Efficiency ratio | 41.3003% | 4,410 |
| Assets per employee ($millions) | 7.9956% | 1,344 |
| Cash dividends to net income (ytd only)* | 76.8766% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 443 |
| Loan loss allowance to noncurrent loans | 388.2393% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,532 |
| Noncurrent loans to loans | 0.5141% | 1,437 |
| Net loans and leases to total assets | 62.8000% | 2,378 |
| Net loans and leases to deposits | 79.0180% | 1,894 |
| Net loans and leases to core deposits | 82.9740% | 2,062 |
| Total domestic deposits to total assets | 79.4700% | 3,842 |
| Equity capital to assets | 16.0848% | 404 |
| Core capital (leverage) ratio | 11.3091% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3892% | 1,836 |
| Memoranda: | ||
| Average total assets | $22,629,971,500 | 89 |
| Average earning assets | $19,746,307,000 | 91 |
| Average equity | $3,573,274,500 | 59 |
| Average total loans | $14,398,057,000 | 91 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 524 |
| Cost of funding earning assets | 0.5220% | 1,257 |
| Net interest margin | 4.1672% | 583 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.1307% | 3,218 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.5297% | 824 |
| Return on assets (ROA) | 1.5530% | 740 |
| Pretax return on assets | 2.0216% | 458 |
| Return on Equity (ROE) | 10.2900% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.6233% | 3,533 |
| Net charge-offs to loans | 0.1131% | 663 |
| Credit loss provision to net charge-offs | 357.5399% | 828 |
| Earnings coverage of net charge-offs (x) | 34.8266% | 1,589 |
| Efficiency ratio | 47.2591% | 4,288 |
| Assets per employee ($millions) | 8.2251% | 1,223 |
| Cash dividends to net income (ytd only)* | 64.7712% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 424 |
| Loan loss allowance to noncurrent loans | 475.9752% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 1,808 |
| Noncurrent loans to loans | 0.4223% | 1,660 |
| Net loans and leases to total assets | 61.9100% | 2,449 |
| Net loans and leases to deposits | 77.1644% | 2,021 |
| Net loans and leases to core deposits | 80.7378% | 2,095 |
| Total domestic deposits to total assets | 80.2300% | 3,844 |
| Equity capital to assets | 15.4998% | 425 |
| Core capital (leverage) ratio | 10.9307% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2498% | 1,874 |
| Memoranda: | ||
| Average total assets | $21,339,364,800 | 95 |
| Average earning assets | $18,868,507,800 | 96 |
| Average equity | $3,222,149,800 | 71 |
| Average total loans | $12,410,293,200 | 103 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 614 |
| Cost of funding earning assets | 0.3252% | 1,911 |
| Net interest margin | 4.0476% | 582 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.1670% | 3,014 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 1.3305% | 1,266 |
| Return on assets (ROA) | 1.3473% | 1,197 |
| Pretax return on assets | 1.7634% | 795 |
| Return on Equity (ROE) | 8.9900% | 3,032 |
| Retained earnings to average equity (ytd only) | 3.4835% | 3,634 |
| Net charge-offs to loans | 0.1063% | 585 |
| Credit loss provision to net charge-offs | 475.5738% | 630 |
| Earnings coverage of net charge-offs (x) | 35.0196% | 1,444 |
| Efficiency ratio | 49.6649% | 4,183 |
| Assets per employee ($millions) | 8.4552% | 1,090 |
| Cash dividends to net income (ytd only)* | 61.2420% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 420 |
| Loan loss allowance to noncurrent loans | 468.7777% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 1,880 |
| Noncurrent loans to loans | 0.4461% | 1,693 |
| Net loans and leases to total assets | 58.6600% | 2,630 |
| Net loans and leases to deposits | 71.7494% | 2,230 |
| Net loans and leases to core deposits | 75.1329% | 2,267 |
| Total domestic deposits to total assets | 81.7600% | 3,875 |
| Equity capital to assets | 15.1569% | 441 |
| Core capital (leverage) ratio | 10.5500% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5391% | 1,863 |
| Memoranda: | ||
| Average total assets | $20,972,162,500 | 97 |
| Average earning assets | $18,609,752,000 | 102 |
| Average equity | $3,143,881,500 | 73 |
| Average total loans | $11,910,496,500 | 105 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 859 |
| Cost of funding earning assets | 0.2178% | 2,664 |
| Net interest margin | 3.8323% | 700 |
| Noninterest income to average assets | 0.6844% | 1,412 |
| Noninterest expense to average assets | 2.2847% | 2,593 |
| Loan and lease loss provision to assets | 0.5781% | 86 |
| Net operating income to assets | 0.9471% | 2,371 |
| Return on assets (ROA) | 0.9471% | 2,344 |
| Pretax return on assets | 1.2414% | 1,928 |
| Return on Equity (ROE) | 6.3447% | 3,491 |
| Retained earnings to average equity (ytd only) | 2.8366% | 3,494 |
| Net charge-offs to loans | 0.0787% | 682 |
| Credit loss provision to net charge-offs | 1,018.9488% | 397 |
| Earnings coverage of net charge-offs (x) | 41.5946% | 1,242 |
| Efficiency ratio | 54.7306% | 3,890 |
| Assets per employee ($millions) | 8.5079% | 1,065 |
| Cash dividends to net income (ytd only)* | 55.2925% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 440 |
| Loan loss allowance to noncurrent loans | 485.5891% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 2,057 |
| Noncurrent loans to loans | 0.4352% | 1,819 |
| Net loans and leases to total assets | 56.3288% | 2,721 |
| Net loans and leases to deposits | 68.3645% | 2,356 |
| Net loans and leases to core deposits | 71.8990% | 2,344 |
| Total domestic deposits to total assets | 82.3949% | 3,955 |
| Equity capital to assets | 14.6754% | 438 |
| Core capital (leverage) ratio | 9.9399% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3499% | 1,917 |
| Memoranda: | ||
| Average total assets | $20,268,656,333 | 97 |
| Average earning assets | $18,086,632,000 | 102 |
| Average equity | $3,025,635,667 | 74 |
| Average total loans | $11,270,891,667 | 105 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 1,698 |
| Cost of funding earning assets | 0.1669% | 3,266 |
| Net interest margin | 3.3642% | 1,393 |
| Noninterest income to average assets | 0.6019% | 1,690 |
| Noninterest expense to average assets | 1.6146% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5303% | 592 |
| Return on assets (ROA) | 1.5303% | 586 |
| Pretax return on assets | 2.0158% | 339 |
| Return on Equity (ROE) | 10.1382% | 1,913 |
| Retained earnings to average equity (ytd only) | 2.4549% | 3,420 |
| Net charge-offs to loans | 0.0783% | 604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 47.4039% | 941 |
| Efficiency ratio | 43.6184% | 4,567 |
| Assets per employee ($millions) | 9.3520% | 808 |
| Cash dividends to net income (ytd only)* | 75.7857% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3354% | 350 |
| Loan loss allowance to noncurrent loans | 525.5020% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 2,157 |
| Noncurrent loans to loans | 0.4444% | 1,918 |
| Net loans and leases to total assets | 52.8079% | 2,904 |
| Net loans and leases to deposits | 64.5618% | 2,478 |
| Net loans and leases to core deposits | 68.6403% | 2,398 |
| Total domestic deposits to total assets | 81.7944% | 4,101 |
| Equity capital to assets | 14.5976% | 436 |
| Core capital (leverage) ratio | 10.5963% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3541% | 1,412 |
| Memoranda: | ||
| Average total assets | $18,304,732,000 | 109 |
| Average earning assets | $16,477,936,000 | 108 |
| Average equity | $2,762,988,000 | 88 |
| Average total loans | $9,944,401,500 | 120 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 1,140 |
| Cost of funding earning assets | 0.2125% | 3,342 |
| Net interest margin | 3.8994% | 855 |
| Noninterest income to average assets | 0.6555% | 1,925 |
| Noninterest expense to average assets | 1.6319% | 4,385 |
| Loan and lease loss provision to assets | -0.0273% | 4,259 |
| Net operating income to assets | 1.9353% | 381 |
| Return on assets (ROA) | 1.9362% | 404 |
| Pretax return on assets | 2.5398% | 242 |
| Return on Equity (ROE) | 11.9639% | 1,831 |
| Retained earnings to average equity (ytd only) | 1.8202% | 4,036 |
| Net charge-offs to loans | 0.0843% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 49.8365% | 1,298 |
| Efficiency ratio | 38.6000% | 4,711 |
| Assets per employee ($millions) | 9.0541% | 901 |
| Cash dividends to net income (ytd only)* | 84.7860% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4066% | 320 |
| Loan loss allowance to noncurrent loans | 471.6170% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 2,095 |
| Noncurrent loans to loans | 0.5103% | 1,845 |
| Net loans and leases to total assets | 53.2776% | 2,937 |
| Net loans and leases to deposits | 65.9653% | 2,520 |
| Net loans and leases to core deposits | 70.5584% | 2,397 |
| Total domestic deposits to total assets | 80.7660% | 4,135 |
| Equity capital to assets | 15.6070% | 422 |
| Core capital (leverage) ratio | 10.9732% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0786% | 1,249 |
| Memoranda: | ||
| Average total assets | $17,383,112,600 | 112 |
| Average earning assets | $15,547,395,600 | 113 |
| Average equity | $2,813,285,600 | 84 |
| Average total loans | $10,387,115,800 | 114 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 1,065 |
| Cost of funding earning assets | 0.2243% | 3,381 |
| Net interest margin | 4.0049% | 786 |
| Noninterest income to average assets | 0.6452% | 2,029 |
| Noninterest expense to average assets | 1.6285% | 4,427 |
| Loan and lease loss provision to assets | -0.0368% | 4,412 |
| Net operating income to assets | 1.9977% | 466 |
| Return on assets (ROA) | 1.9990% | 491 |
| Pretax return on assets | 2.6297% | 276 |
| Return on Equity (ROE) | 12.2377% | 1,965 |
| Retained earnings to average equity (ytd only) | 2.9677% | 3,921 |
| Net charge-offs to loans | 0.0861% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 49.2291% | 1,252 |
| Efficiency ratio | 37.8098% | 4,772 |
| Assets per employee ($millions) | 8.9336% | 914 |
| Cash dividends to net income (ytd only)* | 75.7496% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 327 |
| Loan loss allowance to noncurrent loans | 468.7676% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 2,303 |
| Noncurrent loans to loans | 0.5142% | 2,018 |
| Net loans and leases to total assets | 54.4876% | 2,910 |
| Net loans and leases to deposits | 67.8138% | 2,455 |
| Net loans and leases to core deposits | 73.4997% | 2,281 |
| Total domestic deposits to total assets | 80.3489% | 4,184 |
| Equity capital to assets | 16.0093% | 415 |
| Core capital (leverage) ratio | 11.1936% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3166% | 1,285 |
| Memoranda: | ||
| Average total assets | $17,224,474,000 | 112 |
| Average earning assets | $15,373,679,750 | 113 |
| Average equity | $2,813,602,500 | 85 |
| Average total loans | $10,524,872,500 | 116 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 967 |
| Cost of funding earning assets | 0.2398% | 3,376 |
| Net interest margin | 4.0813% | 720 |
| Noninterest income to average assets | 0.6709% | 1,926 |
| Noninterest expense to average assets | 1.6323% | 4,467 |
| Loan and lease loss provision to assets | -0.0557% | 4,538 |
| Net operating income to assets | 2.0673% | 433 |
| Return on assets (ROA) | 2.0693% | 454 |
| Pretax return on assets | 2.7307% | 252 |
| Return on Equity (ROE) | 12.5812% | 1,860 |
| Retained earnings to average equity (ytd only) | 3.2207% | 3,770 |
| Net charge-offs to loans | 0.0936% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 45.3773% | 1,108 |
| Efficiency ratio | 37.1453% | 4,812 |
| Assets per employee ($millions) | 8.7566% | 930 |
| Cash dividends to net income (ytd only)* | 74.4004% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3576% | 330 |
| Loan loss allowance to noncurrent loans | 407.9936% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 2,207 |
| Noncurrent loans to loans | 0.5778% | 1,953 |
| Net loans and leases to total assets | 56.6096% | 2,830 |
| Net loans and leases to deposits | 70.5890% | 2,351 |
| Net loans and leases to core deposits | 76.5508% | 2,190 |
| Total domestic deposits to total assets | 80.1961% | 4,211 |
| Equity capital to assets | 16.0565% | 406 |
| Core capital (leverage) ratio | 11.2167% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4160% | 1,245 |
| Memoranda: | ||
| Average total assets | $17,054,883,667 | 112 |
| Average earning assets | $15,185,047,000 | 113 |
| Average equity | $2,805,145,000 | 85 |
| Average total loans | $10,732,796,333 | 112 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 671 |
| Cost of funding earning assets | 0.2624% | 3,356 |
| Net interest margin | 4.3329% | 486 |
| Noninterest income to average assets | 0.7228% | 1,796 |
| Noninterest expense to average assets | 1.6616% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2016% | 415 |
| Return on assets (ROA) | 2.2057% | 446 |
| Pretax return on assets | 2.9114% | 254 |
| Return on Equity (ROE) | 13.2455% | 1,604 |
| Retained earnings to average equity (ytd only) | 3.7962% | 3,561 |
| Net charge-offs to loans | 0.0924% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 47.9980% | 917 |
| Efficiency ratio | 35.6342% | 4,855 |
| Assets per employee ($millions) | 8.5349% | 976 |
| Cash dividends to net income (ytd only)* | 71.3394% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2539% | 391 |
| Loan loss allowance to noncurrent loans | 383.4638% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 2,257 |
| Noncurrent loans to loans | 0.5878% | 2,102 |
| Net loans and leases to total assets | 61.2307% | 2,373 |
| Net loans and leases to deposits | 76.8233% | 1,819 |
| Net loans and leases to core deposits | 84.0804% | 1,676 |
| Total domestic deposits to total assets | 79.7033% | 4,238 |
| Equity capital to assets | 16.2517% | 366 |
| Core capital (leverage) ratio | 11.6501% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9494% | 1,301 |
| Memoranda: | ||
| Average total assets | $16,786,359,500 | 113 |
| Average earning assets | $14,896,174,000 | 115 |
| Average equity | $2,795,397,000 | 86 |
| Average total loans | $10,999,607,500 | 109 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 676 |
| Cost of funding earning assets | 0.5199% | 2,814 |
| Net interest margin | 4.3266% | 480 |
| Noninterest income to average assets | 0.6207% | 2,136 |
| Noninterest expense to average assets | 1.8114% | 4,450 |
| Loan and lease loss provision to assets | 0.6993% | 229 |
| Net operating income to assets | 1.4883% | 836 |
| Return on assets (ROA) | 1.4883% | 908 |
| Pretax return on assets | 1.9358% | 520 |
| Return on Equity (ROE) | 8.7086% | 2,514 |
| Retained earnings to average equity (ytd only) | 2.0122% | 3,816 |
| Net charge-offs to loans | 0.1087% | 1,386 |
| Credit loss provision to net charge-offs | 897.4066% | 834 |
| Earnings coverage of net charge-offs (x) | 34.0702% | 1,500 |
| Efficiency ratio | 39.9181% | 4,874 |
| Assets per employee ($millions) | 8.1102% | 1,000 |
| Cash dividends to net income (ytd only)* | 76.8936% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1877% | 421 |
| Loan loss allowance to noncurrent loans | 331.1028% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 2,121 |
| Noncurrent loans to loans | 0.6607% | 2,029 |
| Net loans and leases to total assets | 67.0597% | 1,945 |
| Net loans and leases to deposits | 85.2214% | 1,320 |
| Net loans and leases to core deposits | 94.1694% | 1,238 |
| Total domestic deposits to total assets | 78.6888% | 4,235 |
| Equity capital to assets | 17.0744% | 330 |
| Core capital (leverage) ratio | 11.6140% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2987% | 1,446 |
| Memoranda: | ||
| Average total assets | $16,052,725,000 | 109 |
| Average earning assets | $14,194,883,800 | 111 |
| Average equity | $2,743,450,600 | 81 |
| Average total loans | $11,424,525,200 | 104 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 698 |
| Cost of funding earning assets | 0.5764% | 2,761 |
| Net interest margin | 4.3484% | 531 |
| Noninterest income to average assets | 0.5981% | 2,187 |
| Noninterest expense to average assets | 1.8345% | 4,433 |
| Loan and lease loss provision to assets | 0.9370% | 161 |
| Net operating income to assets | 1.2956% | 1,364 |
| Return on assets (ROA) | 1.2956% | 1,463 |
| Pretax return on assets | 1.6723% | 1,022 |
| Return on Equity (ROE) | 7.5790% | 2,974 |
| Retained earnings to average equity (ytd only) | 1.3100% | 4,149 |
| Net charge-offs to loans | 0.1123% | 1,226 |
| Credit loss provision to net charge-offs | 1,152.9594% | 753 |
| Earnings coverage of net charge-offs (x) | 32.3489% | 1,521 |
| Efficiency ratio | 40.4517% | 4,882 |
| Assets per employee ($millions) | 8.3726% | 885 |
| Cash dividends to net income (ytd only)* | 82.7158% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1231% | 401 |
| Loan loss allowance to noncurrent loans | 336.4244% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 2,306 |
| Noncurrent loans to loans | 0.6311% | 2,215 |
| Net loans and leases to total assets | 69.2726% | 2,065 |
| Net loans and leases to deposits | 87.5674% | 1,538 |
| Net loans and leases to core deposits | 100.0316% | 1,160 |
| Total domestic deposits to total assets | 79.1077% | 4,044 |
| Equity capital to assets | 16.7098% | 401 |
| Core capital (leverage) ratio | 11.3532% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7302% | 1,580 |
| Memoranda: | ||
| Average total assets | $15,974,311,500 | 108 |
| Average earning assets | $14,127,533,000 | 110 |
| Average equity | $2,730,696,500 | 81 |
| Average total loans | $11,475,476,250 | 104 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 761 |
| Cost of funding earning assets | 0.6515% | 2,691 |
| Net interest margin | 4.3965% | 623 |
| Noninterest income to average assets | 0.5587% | 2,310 |
| Noninterest expense to average assets | 1.9087% | 4,402 |
| Loan and lease loss provision to assets | 1.2444% | 131 |
| Net operating income to assets | 1.0125% | 2,277 |
| Return on assets (ROA) | 1.0125% | 2,400 |
| Pretax return on assets | 1.2857% | 2,085 |
| Return on Equity (ROE) | 5.8769% | 3,560 |
| Retained earnings to average equity (ytd only) | 0.1056% | 4,291 |
| Net charge-offs to loans | 0.0973% | 1,298 |
| Credit loss provision to net charge-offs | 1,755.9841% | 538 |
| Earnings coverage of net charge-offs (x) | 36.0101% | 1,311 |
| Efficiency ratio | 42.1432% | 4,861 |
| Assets per employee ($millions) | 8.6428% | 771 |
| Cash dividends to net income (ytd only)* | 98.2026% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 438 |
| Loan loss allowance to noncurrent loans | 397.9098% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 2,723 |
| Noncurrent loans to loans | 0.5010% | 2,649 |
| Net loans and leases to total assets | 69.4899% | 2,111 |
| Net loans and leases to deposits | 88.2314% | 1,530 |
| Net loans and leases to core deposits | 101.8450% | 1,124 |
| Total domestic deposits to total assets | 78.7587% | 4,072 |
| Equity capital to assets | 16.2233% | 444 |
| Core capital (leverage) ratio | 11.3821% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2852% | 1,702 |
| Memoranda: | ||
| Average total assets | $15,792,698,667 | 110 |
| Average earning assets | $13,937,407,000 | 109 |
| Average equity | $2,720,823,667 | 82 |
| Average total loans | $11,403,478,333 | 104 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3660% | 480 |
| Cost of funding earning assets | 0.8160% | 2,297 |
| Net interest margin | 4.5500% | 448 |
| Noninterest income to average assets | 0.5394% | 2,340 |
| Noninterest expense to average assets | 1.9471% | 4,497 |
| Loan and lease loss provision to assets | 2.2761% | 56 |
| Net operating income to assets | 0.3051% | 4,334 |
| Return on assets (ROA) | 0.3051% | 4,355 |
| Pretax return on assets | 0.3170% | 4,428 |
| Return on Equity (ROE) | 1.7158% | 4,507 |
| Retained earnings to average equity (ytd only) | -6.5660% | 4,614 |
| Net charge-offs to loans | 0.1267% | 952 |
| Credit loss provision to net charge-offs | 2,439.1773% | 302 |
| Earnings coverage of net charge-offs (x) | 28.0607% | 1,219 |
| Efficiency ratio | 42.0097% | 4,945 |
| Assets per employee ($millions) | 7.9775% | 741 |
| Cash dividends to net income (ytd only)* | 482.6875% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 492 |
| Loan loss allowance to noncurrent loans | 382.2263% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 2,705 |
| Noncurrent loans to loans | 0.5261% | 2,684 |
| Net loans and leases to total assets | 71.9733% | 1,923 |
| Net loans and leases to deposits | 95.9485% | 915 |
| Net loans and leases to core deposits | 113.7312% | 675 |
| Total domestic deposits to total assets | 75.0125% | 4,588 |
| Equity capital to assets | 17.2356% | 416 |
| Core capital (leverage) ratio | 11.9639% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6896% | 2,008 |
| Memoranda: | ||
| Average total assets | $15,258,037,500 | 111 |
| Average earning assets | $13,416,511,000 | 111 |
| Average equity | $2,713,443,500 | 81 |
| Average total loans | $11,127,346,000 | 103 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 586 |
| Cost of funding earning assets | 1.0099% | 1,683 |
| Net interest margin | 4.4626% | 779 |
| Noninterest income to average assets | 0.5973% | 2,235 |
| Noninterest expense to average assets | 1.7154% | 4,854 |
| Loan and lease loss provision to assets | 0.0088% | 3,832 |
| Net operating income to assets | 2.0852% | 284 |
| Return on assets (ROA) | 2.0852% | 295 |
| Pretax return on assets | 2.7844% | 132 |
| Return on Equity (ROE) | 11.6767% | 1,630 |
| Retained earnings to average equity (ytd only) | 3.0686% | 3,487 |
| Net charge-offs to loans | 0.0730% | 2,052 |
| Credit loss provision to net charge-offs | 16.5749% | 3,333 |
| Earnings coverage of net charge-offs (x) | 52.8566% | 1,080 |
| Efficiency ratio | 37.1195% | 5,096 |
| Assets per employee ($millions) | 7.8330% | 762 |
| Cash dividends to net income (ytd only)* | 73.7200% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 3,784 |
| Loan loss allowance to noncurrent loans | 186.1943% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 2,690 |
| Noncurrent loans to loans | 0.5046% | 2,679 |
| Net loans and leases to total assets | 71.7084% | 2,133 |
| Net loans and leases to deposits | 94.5439% | 1,102 |
| Net loans and leases to core deposits | 111.0721% | 799 |
| Total domestic deposits to total assets | 75.8466% | 4,617 |
| Equity capital to assets | 18.3495% | 340 |
| Core capital (leverage) ratio | 12.5062% | 1,486 |
| Tier 1 risk-based capital ratio | 14.4713% | 3,034 |
| Total risk-based capital ratio | 15.3184% | 3,142 |
| Memoranda: | ||
| Average total assets | $15,127,201,800 | 102 |
| Average earning assets | $13,258,470,000 | 107 |
| Average equity | $2,701,322,600 | 78 |
| Average total loans | $10,949,120,200 | 100 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 578 |
| Cost of funding earning assets | 1.0412% | 1,582 |
| Net interest margin | 4.4656% | 830 |
| Noninterest income to average assets | 0.5686% | 2,361 |
| Noninterest expense to average assets | 1.6875% | 4,936 |
| Loan and lease loss provision to assets | 0.0117% | 3,660 |
| Net operating income to assets | 2.0758% | 340 |
| Return on assets (ROA) | 2.0758% | 355 |
| Pretax return on assets | 2.7828% | 155 |
| Return on Equity (ROE) | 11.7041% | 1,716 |
| Retained earnings to average equity (ytd only) | 2.7644% | 3,985 |
| Net charge-offs to loans | 0.0707% | 1,815 |
| Credit loss provision to net charge-offs | 22.7937% | 2,954 |
| Earnings coverage of net charge-offs (x) | 54.6419% | 1,126 |
| Efficiency ratio | 36.7165% | 5,169 |
| Assets per employee ($millions) | 7.8796% | 726 |
| Cash dividends to net income (ytd only)* | 76.3809% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,746 |
| Loan loss allowance to noncurrent loans | 177.9841% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 2,715 |
| Noncurrent loans to loans | 0.5440% | 2,665 |
| Net loans and leases to total assets | 71.6694% | 2,229 |
| Net loans and leases to deposits | 95.7109% | 1,052 |
| Net loans and leases to core deposits | 113.0962% | 792 |
| Total domestic deposits to total assets | 74.8811% | 4,755 |
| Equity capital to assets | 18.3534% | 365 |
| Core capital (leverage) ratio | 12.2555% | 1,705 |
| Tier 1 risk-based capital ratio | 14.3987% | 3,139 |
| Total risk-based capital ratio | 15.2740% | 3,223 |
| Memoranda: | ||
| Average total assets | $15,155,052,000 | 102 |
| Average earning assets | $13,280,955,500 | 107 |
| Average equity | $2,687,824,000 | 79 |
| Average total loans | $10,968,972,750 | 100 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 605 |
| Cost of funding earning assets | 1.0445% | 1,516 |
| Net interest margin | 4.4223% | 903 |
| Noninterest income to average assets | 0.5423% | 2,422 |
| Noninterest expense to average assets | 1.6768% | 4,995 |
| Loan and lease loss provision to assets | 0.0174% | 3,444 |
| Net operating income to assets | 2.0645% | 349 |
| Return on assets (ROA) | 2.0645% | 363 |
| Pretax return on assets | 2.7256% | 173 |
| Return on Equity (ROE) | 11.7739% | 1,668 |
| Retained earnings to average equity (ytd only) | 2.7330% | 3,834 |
| Net charge-offs to loans | 0.0734% | 1,636 |
| Credit loss provision to net charge-offs | 32.7160% | 2,587 |
| Earnings coverage of net charge-offs (x) | 51.6267% | 1,071 |
| Efficiency ratio | 36.9957% | 5,201 |
| Assets per employee ($millions) | 8.2966% | 603 |
| Cash dividends to net income (ytd only)* | 76.7875% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 3,835 |
| Loan loss allowance to noncurrent loans | 168.8895% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 2,544 |
| Noncurrent loans to loans | 0.5682% | 2,557 |
| Net loans and leases to total assets | 71.6711% | 2,254 |
| Net loans and leases to deposits | 95.8433% | 1,055 |
| Net loans and leases to core deposits | 112.6671% | 839 |
| Total domestic deposits to total assets | 74.7794% | 4,781 |
| Equity capital to assets | 17.7262% | 407 |
| Core capital (leverage) ratio | 12.0167% | 1,816 |
| Tier 1 risk-based capital ratio | 13.9289% | 3,359 |
| Total risk-based capital ratio | 14.8005% | 3,452 |
| Memoranda: | ||
| Average total assets | $15,245,230,000 | 103 |
| Average earning assets | $13,366,941,330 | 107 |
| Average equity | $2,673,161,000 | 80 |
| Average total loans | $11,034,648,000 | 100 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 543 |
| Cost of funding earning assets | 1.0400% | 1,409 |
| Net interest margin | 4.4361% | 831 |
| Noninterest income to average assets | 0.5179% | 2,447 |
| Noninterest expense to average assets | 1.6911% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0605% | 351 |
| Return on assets (ROA) | 2.0605% | 365 |
| Pretax return on assets | 2.7194% | 176 |
| Return on Equity (ROE) | 11.8160% | 1,605 |
| Retained earnings to average equity (ytd only) | 2.8122% | 3,815 |
| Net charge-offs to loans | 0.0883% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 42.5423% | 1,115 |
| Efficiency ratio | 37.3980% | 5,247 |
| Assets per employee ($millions) | 8.3215% | 600 |
| Cash dividends to net income (ytd only)* | 76.2000% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,875 |
| Loan loss allowance to noncurrent loans | 165.6832% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,551 |
| Noncurrent loans to loans | 0.5847% | 2,584 |
| Net loans and leases to total assets | 71.6708% | 2,215 |
| Net loans and leases to deposits | 97.7163% | 811 |
| Net loans and leases to core deposits | 114.0249% | 743 |
| Total domestic deposits to total assets | 73.3458% | 4,977 |
| Equity capital to assets | 17.6007% | 380 |
| Core capital (leverage) ratio | 11.8952% | 1,831 |
| Tier 1 risk-based capital ratio | 13.9820% | 3,343 |
| Total risk-based capital ratio | 14.8695% | 3,455 |
| Memoranda: | ||
| Average total assets | $15,230,833,000 | 104 |
| Average earning assets | $13,364,904,500 | 108 |
| Average equity | $2,655,991,500 | 80 |
| Average total loans | $11,025,407,500 | 99 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 523 |
| Cost of funding earning assets | 0.8049% | 1,501 |
| Net interest margin | 4.5554% | 681 |
| Noninterest income to average assets | 0.6441% | 2,068 |
| Noninterest expense to average assets | 1.6445% | 5,139 |
| Loan and lease loss provision to assets | 0.0293% | 3,592 |
| Net operating income to assets | 2.2289% | 238 |
| Return on assets (ROA) | 2.2289% | 233 |
| Pretax return on assets | 2.9465% | 102 |
| Return on Equity (ROE) | 12.7786% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.3226% | 3,166 |
| Net charge-offs to loans | 0.0542% | 2,373 |
| Credit loss provision to net charge-offs | 74.5687% | 2,932 |
| Earnings coverage of net charge-offs (x) | 75.8297% | 892 |
| Efficiency ratio | 34.6480% | 5,336 |
| Assets per employee ($millions) | 8.4251% | 572 |
| Cash dividends to net income (ytd only)* | 66.1732% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,792 |
| Loan loss allowance to noncurrent loans | 169.3456% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,563 |
| Noncurrent loans to loans | 0.5802% | 2,548 |
| Net loans and leases to total assets | 71.6940% | 2,312 |
| Net loans and leases to deposits | 99.9904% | 749 |
| Net loans and leases to core deposits | 116.8529% | 657 |
| Total domestic deposits to total assets | 71.7009% | 5,090 |
| Equity capital to assets | 17.2771% | 397 |
| Core capital (leverage) ratio | 11.9272% | 1,784 |
| Tier 1 risk-based capital ratio | 13.7742% | 3,402 |
| Total risk-based capital ratio | 14.6797% | 3,490 |
| Memoranda: | ||
| Average total assets | $14,769,553,400 | 103 |
| Average earning assets | $12,891,702,600 | 106 |
| Average equity | $2,576,168,600 | 79 |
| Average total loans | $10,691,917,800 | 100 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 485 |
| Cost of funding earning assets | 0.7470% | 1,599 |
| Net interest margin | 4.5959% | 602 |
| Noninterest income to average assets | 0.6735% | 1,967 |
| Noninterest expense to average assets | 1.6600% | 5,164 |
| Loan and lease loss provision to assets | 0.0394% | 3,216 |
| Net operating income to assets | 2.2473% | 252 |
| Return on assets (ROA) | 2.2473% | 248 |
| Pretax return on assets | 2.9797% | 112 |
| Return on Equity (ROE) | 12.8522% | 1,486 |
| Retained earnings to average equity (ytd only) | 4.7515% | 3,370 |
| Net charge-offs to loans | 0.0553% | 2,029 |
| Credit loss provision to net charge-offs | 98.3167% | 2,317 |
| Earnings coverage of net charge-offs (x) | 75.4060% | 908 |
| Efficiency ratio | 34.5302% | 5,403 |
| Assets per employee ($millions) | 8.3506% | 557 |
| Cash dividends to net income (ytd only)* | 63.0294% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,654 |
| Loan loss allowance to noncurrent loans | 195.1492% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 2,807 |
| Noncurrent loans to loans | 0.5212% | 2,821 |
| Net loans and leases to total assets | 71.9762% | 2,333 |
| Net loans and leases to deposits | 99.9669% | 785 |
| Net loans and leases to core deposits | 114.6827% | 783 |
| Total domestic deposits to total assets | 72.0000% | 5,131 |
| Equity capital to assets | 17.4795% | 381 |
| Core capital (leverage) ratio | 11.7388% | 1,982 |
| Tier 1 risk-based capital ratio | 13.9041% | 3,420 |
| Total risk-based capital ratio | 14.8427% | 3,482 |
| Memoranda: | ||
| Average total assets | $14,639,067,500 | 103 |
| Average earning assets | $12,758,887,250 | 105 |
| Average equity | $2,559,728,500 | 80 |
| Average total loans | $10,596,927,500 | 100 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 551 |
| Cost of funding earning assets | 0.6709% | 1,807 |
| Net interest margin | 4.5325% | 649 |
| Noninterest income to average assets | 0.6827% | 1,944 |
| Noninterest expense to average assets | 1.6500% | 5,232 |
| Loan and lease loss provision to assets | 0.0594% | 2,721 |
| Net operating income to assets | 2.1999% | 257 |
| Return on assets (ROA) | 2.1999% | 249 |
| Pretax return on assets | 2.9234% | 123 |
| Return on Equity (ROE) | 12.5795% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.2001% | 2,973 |
| Net charge-offs to loans | 0.0584% | 1,769 |
| Credit loss provision to net charge-offs | 140.7359% | 1,640 |
| Earnings coverage of net charge-offs (x) | 70.6757% | 906 |
| Efficiency ratio | 34.6513% | 5,462 |
| Assets per employee ($millions) | 8.4352% | 534 |
| Cash dividends to net income (ytd only)* | 58.6617% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,699 |
| Loan loss allowance to noncurrent loans | 196.4105% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 2,754 |
| Noncurrent loans to loans | 0.5210% | 2,857 |
| Net loans and leases to total assets | 72.3683% | 2,217 |
| Net loans and leases to deposits | 99.6801% | 824 |
| Net loans and leases to core deposits | 113.9846% | 794 |
| Total domestic deposits to total assets | 72.6005% | 5,141 |
| Equity capital to assets | 17.3378% | 373 |
| Core capital (leverage) ratio | 12.0390% | 1,688 |
| Tier 1 risk-based capital ratio | 13.3842% | 3,680 |
| Total risk-based capital ratio | 14.3138% | 3,780 |
| Memoranda: | ||
| Average total assets | $14,552,937,670 | 103 |
| Average earning assets | $12,683,020,330 | 105 |
| Average equity | $2,544,969,330 | 79 |
| Average total loans | $10,518,298,330 | 100 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 520 |
| Cost of funding earning assets | 0.6313% | 1,838 |
| Net interest margin | 4.5379% | 569 |
| Noninterest income to average assets | 0.6798% | 1,913 |
| Noninterest expense to average assets | 1.6697% | 5,271 |
| Loan and lease loss provision to assets | 0.0445% | 2,878 |
| Net operating income to assets | 2.1836% | 252 |
| Return on assets (ROA) | 2.1836% | 252 |
| Pretax return on assets | 2.9183% | 122 |
| Return on Equity (ROE) | 12.4315% | 1,428 |
| Retained earnings to average equity (ytd only) | 7.6331% | 1,976 |
| Net charge-offs to loans | 0.0640% | 1,465 |
| Credit loss provision to net charge-offs | 96.7937% | 1,622 |
| Earnings coverage of net charge-offs (x) | 64.4223% | 802 |
| Efficiency ratio | 35.0672% | 5,525 |
| Assets per employee ($millions) | 8.1327% | 600 |
| Cash dividends to net income (ytd only)* | 38.5985% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,563 |
| Loan loss allowance to noncurrent loans | 222.6910% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 2,909 |
| Noncurrent loans to loans | 0.4793% | 3,076 |
| Net loans and leases to total assets | 71.3697% | 2,277 |
| Net loans and leases to deposits | 97.7062% | 888 |
| Net loans and leases to core deposits | 114.6250% | 772 |
| Total domestic deposits to total assets | 73.0452% | 5,219 |
| Equity capital to assets | 17.7548% | 334 |
| Core capital (leverage) ratio | 11.9462% | 1,680 |
| Tier 1 risk-based capital ratio | 14.0329% | 3,368 |
| Total risk-based capital ratio | 15.0079% | 3,416 |
| Memoranda: | ||
| Average total assets | $14,376,938,500 | 104 |
| Average earning assets | $12,523,035,000 | 107 |
| Average equity | $2,525,358,000 | 80 |
| Average total loans | $10,328,463,000 | 100 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 721 |
| Cost of funding earning assets | 0.4645% | 2,648 |
| Net interest margin | 4.4789% | 645 |
| Noninterest income to average assets | 0.7703% | 1,693 |
| Noninterest expense to average assets | 1.8921% | 5,124 |
| Loan and lease loss provision to assets | 0.3685% | 411 |
| Net operating income to assets | 1.2549% | 1,346 |
| Return on assets (ROA) | 1.2550% | 1,370 |
| Pretax return on assets | 2.4611% | 188 |
| Return on Equity (ROE) | 7.9352% | 2,827 |
| Retained earnings to average equity (ytd only) | 3.3700% | 3,273 |
| Net charge-offs to loans | 0.1601% | 1,525 |
| Credit loss provision to net charge-offs | 316.3878% | 905 |
| Earnings coverage of net charge-offs (x) | 24.2932% | 1,762 |
| Efficiency ratio | 39.3311% | 5,536 |
| Assets per employee ($millions) | 8.2800% | 580 |
| Cash dividends to net income (ytd only)* | 57.5309% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,513 |
| Loan loss allowance to noncurrent loans | 246.6856% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,109 |
| Noncurrent loans to loans | 0.4327% | 3,235 |
| Net loans and leases to total assets | 70.7803% | 2,400 |
| Net loans and leases to deposits | 97.9715% | 906 |
| Net loans and leases to core deposits | 111.9902% | 899 |
| Total domestic deposits to total assets | 72.2458% | 5,307 |
| Equity capital to assets | 17.3775% | 366 |
| Core capital (leverage) ratio | 11.7636% | 1,750 |
| Tier 1 risk-based capital ratio | 13.5522% | 3,599 |
| Total risk-based capital ratio | 14.5185% | 3,681 |
| Memoranda: | ||
| Average total assets | $12,007,638,200 | 111 |
| Average earning assets | $10,593,443,200 | 111 |
| Average equity | $1,899,048,800 | 94 |
| Average total loans | $8,737,840,600 | 108 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 918 |
| Cost of funding earning assets | 0.4245% | 2,935 |
| Net interest margin | 4.3803% | 760 |
| Noninterest income to average assets | 0.7921% | 1,620 |
| Noninterest expense to average assets | 1.9518% | 5,040 |
| Loan and lease loss provision to assets | 0.4599% | 275 |
| Net operating income to assets | 1.4310% | 1,023 |
| Return on assets (ROA) | 1.4310% | 1,042 |
| Pretax return on assets | 2.2582% | 316 |
| Return on Equity (ROE) | 9.3402% | 2,422 |
| Retained earnings to average equity (ytd only) | 4.4138% | 3,271 |
| Net charge-offs to loans | 0.1232% | 1,554 |
| Credit loss provision to net charge-offs | 510.3699% | 622 |
| Earnings coverage of net charge-offs (x) | 30.1626% | 1,546 |
| Efficiency ratio | 41.1492% | 5,551 |
| Assets per employee ($millions) | 8.7516% | 476 |
| Cash dividends to net income (ytd only)* | 52.7447% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,575 |
| Loan loss allowance to noncurrent loans | 174.4635% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 2,711 |
| Noncurrent loans to loans | 0.6220% | 2,845 |
| Net loans and leases to total assets | 71.4563% | 2,337 |
| Net loans and leases to deposits | 96.9010% | 1,015 |
| Net loans and leases to core deposits | 110.2400% | 1,011 |
| Total domestic deposits to total assets | 73.7416% | 5,258 |
| Equity capital to assets | 17.6257% | 367 |
| Core capital (leverage) ratio | 15.5728% | 565 |
| Tier 1 risk-based capital ratio | 13.5613% | 3,667 |
| Total risk-based capital ratio | 14.5455% | 3,737 |
| Memoranda: | ||
| Average total assets | $11,399,461,250 | 113 |
| Average earning assets | $10,091,930,750 | 113 |
| Average equity | $1,746,467,250 | 101 |
| Average total loans | $8,339,503,500 | 110 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 453 |
| Cost of funding earning assets | 0.4271% | 2,827 |
| Net interest margin | 4.6879% | 401 |
| Noninterest income to average assets | 0.9098% | 1,245 |
| Noninterest expense to average assets | 1.8955% | 5,190 |
| Loan and lease loss provision to assets | 0.0823% | 2,343 |
| Net operating income to assets | 1.9679% | 324 |
| Return on assets (ROA) | 1.9678% | 332 |
| Pretax return on assets | 3.1221% | 108 |
| Return on Equity (ROE) | 13.7861% | 847 |
| Retained earnings to average equity (ytd only) | 8.6822% | 946 |
| Net charge-offs to loans | 0.1083% | 1,550 |
| Credit loss provision to net charge-offs | 103.2653% | 1,966 |
| Earnings coverage of net charge-offs (x) | 40.2122% | 1,247 |
| Efficiency ratio | 36.5397% | 5,687 |
| Assets per employee ($millions) | 7.0027% | 936 |
| Cash dividends to net income (ytd only)* | 37.0216% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,010 |
| Loan loss allowance to noncurrent loans | 170.9866% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 2,753 |
| Noncurrent loans to loans | 0.5982% | 2,942 |
| Net loans and leases to total assets | 71.3947% | 2,303 |
| Net loans and leases to deposits | 98.6407% | 830 |
| Net loans and leases to core deposits | 117.6325% | 656 |
| Total domestic deposits to total assets | 72.3785% | 5,428 |
| Equity capital to assets | 15.8969% | 544 |
| Core capital (leverage) ratio | 12.4052% | 1,412 |
| Tier 1 risk-based capital ratio | 14.6977% | 3,066 |
| Total risk-based capital ratio | 15.6147% | 3,159 |
| Memoranda: | ||
| Average total assets | $10,452,992,330 | 116 |
| Average earning assets | $9,343,208,000 | 117 |
| Average equity | $1,492,056,330 | 109 |
| Average total loans | $7,690,606,670 | 115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 481 |
| Cost of funding earning assets | 0.4036% | 2,963 |
| Net interest margin | 4.6475% | 409 |
| Noninterest income to average assets | 0.9645% | 1,069 |
| Noninterest expense to average assets | 2.0049% | 5,040 |
| Loan and lease loss provision to assets | 0.1528% | 1,208 |
| Net operating income to assets | 1.8907% | 373 |
| Return on assets (ROA) | 1.8907% | 387 |
| Pretax return on assets | 2.9592% | 140 |
| Return on Equity (ROE) | 14.0950% | 791 |
| Retained earnings to average equity (ytd only) | 10.4334% | 720 |
| Net charge-offs to loans | 0.1892% | 903 |
| Credit loss provision to net charge-offs | 108.6016% | 1,486 |
| Earnings coverage of net charge-offs (x) | 22.1238% | 1,430 |
| Efficiency ratio | 38.5689% | 5,716 |
| Assets per employee ($millions) | 7.0005% | 956 |
| Cash dividends to net income (ytd only)* | 25.9784% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 4,142 |
| Loan loss allowance to noncurrent loans | 135.6651% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 2,507 |
| Noncurrent loans to loans | 0.7541% | 2,603 |
| Net loans and leases to total assets | 72.5849% | 1,993 |
| Net loans and leases to deposits | 102.1038% | 498 |
| Net loans and leases to core deposits | 120.9632% | 441 |
| Total domestic deposits to total assets | 71.0893% | 5,591 |
| Equity capital to assets | 13.4726% | 1,075 |
| Core capital (leverage) ratio | 10.2990% | 3,110 |
| Tier 1 risk-based capital ratio | 11.4412% | 5,068 |
| Total risk-based capital ratio | 12.3556% | 5,150 |
| Memoranda: | ||
| Average total assets | $10,248,873,000 | 116 |
| Average earning assets | $9,156,840,000 | 118 |
| Average equity | $1,374,782,500 | 113 |
| Average total loans | $7,618,672,000 | 115 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 437 |
| Cost of funding earning assets | 0.3409% | 3,624 |
| Net interest margin | 4.8284% | 331 |
| Noninterest income to average assets | 0.8657% | 1,519 |
| Noninterest expense to average assets | 1.8861% | 5,380 |
| Loan and lease loss provision to assets | 0.1949% | 1,197 |
| Net operating income to assets | 1.9306% | 367 |
| Return on assets (ROA) | 1.9314% | 380 |
| Pretax return on assets | 3.0865% | 107 |
| Return on Equity (ROE) | 14.8372% | 649 |
| Retained earnings to average equity (ytd only) | 11.2465% | 284 |
| Net charge-offs to loans | 0.1118% | 2,148 |
| Credit loss provision to net charge-offs | 237.6197% | 1,219 |
| Earnings coverage of net charge-offs (x) | 39.9908% | 1,178 |
| Efficiency ratio | 35.8727% | 5,829 |
| Assets per employee ($millions) | 6.5206% | 1,143 |
| Cash dividends to net income (ytd only)* | 24.2006% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,808 |
| Loan loss allowance to noncurrent loans | 126.7378% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 2,333 |
| Noncurrent loans to loans | 0.8544% | 2,393 |
| Net loans and leases to total assets | 74.6143% | 1,755 |
| Net loans and leases to deposits | 104.4551% | 416 |
| Net loans and leases to core deposits | 123.3503% | 398 |
| Total domestic deposits to total assets | 71.4319% | 5,597 |
| Equity capital to assets | 13.3499% | 1,112 |
| Core capital (leverage) ratio | 9.8057% | 3,737 |
| Tier 1 risk-based capital ratio | 11.1005% | 5,289 |
| Total risk-based capital ratio | 12.0655% | 5,328 |
| Memoranda: | ||
| Average total assets | $9,547,275,000 | 119 |
| Average earning assets | $8,503,737,800 | 123 |
| Average equity | $1,242,769,200 | 120 |
| Average total loans | $7,003,185,600 | 119 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 443 |
| Cost of funding earning assets | 0.3354% | 3,708 |
| Net interest margin | 4.8334% | 343 |
| Noninterest income to average assets | 0.8571% | 1,554 |
| Noninterest expense to average assets | 1.9091% | 5,362 |
| Loan and lease loss provision to assets | 0.2376% | 815 |
| Net operating income to assets | 1.8869% | 411 |
| Return on assets (ROA) | 1.8871% | 434 |
| Pretax return on assets | 3.0122% | 125 |
| Return on Equity (ROE) | 14.5936% | 722 |
| Retained earnings to average equity (ytd only) | 11.0513% | 423 |
| Net charge-offs to loans | 0.1884% | 1,238 |
| Credit loss provision to net charge-offs | 173.2247% | 1,609 |
| Earnings coverage of net charge-offs (x) | 23.6891% | 1,709 |
| Efficiency ratio | 36.3629% | 5,886 |
| Assets per employee ($millions) | 6.6518% | 1,019 |
| Cash dividends to net income (ytd only)* | 24.2730% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,993 |
| Loan loss allowance to noncurrent loans | 127.0906% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 2,569 |
| Noncurrent loans to loans | 0.8449% | 2,571 |
| Net loans and leases to total assets | 72.1519% | 2,166 |
| Net loans and leases to deposits | 102.0156% | 567 |
| Net loans and leases to core deposits | 120.5363% | 491 |
| Total domestic deposits to total assets | 70.7263% | 5,655 |
| Equity capital to assets | 13.1110% | 1,437 |
| Core capital (leverage) ratio | 9.5921% | 4,069 |
| Tier 1 risk-based capital ratio | 10.7690% | 5,491 |
| Total risk-based capital ratio | 11.7018% | 5,566 |
| Memoranda: | ||
| Average total assets | $9,485,604,000 | 119 |
| Average earning assets | $8,441,831,750 | 124 |
| Average equity | $1,226,589,750 | 120 |
| Average total loans | $6,907,057,250 | 120 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 458 |
| Cost of funding earning assets | 0.3333% | 3,760 |
| Net interest margin | 4.8177% | 355 |
| Noninterest income to average assets | 0.8500% | 1,548 |
| Noninterest expense to average assets | 1.8595% | 5,522 |
| Loan and lease loss provision to assets | 0.2420% | 815 |
| Net operating income to assets | 1.8940% | 401 |
| Return on assets (ROA) | 1.8943% | 419 |
| Pretax return on assets | 3.0307% | 118 |
| Return on Equity (ROE) | 14.7202% | 717 |
| Retained earnings to average equity (ytd only) | 11.1839% | 417 |
| Net charge-offs to loans | 0.1829% | 1,250 |
| Credit loss provision to net charge-offs | 181.8167% | 1,392 |
| Earnings coverage of net charge-offs (x) | 24.5871% | 1,538 |
| Efficiency ratio | 35.5696% | 5,972 |
| Assets per employee ($millions) | 6.5715% | 1,051 |
| Cash dividends to net income (ytd only)* | 24.0236% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 4,178 |
| Loan loss allowance to noncurrent loans | 124.6120% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 2,562 |
| Noncurrent loans to loans | 0.8496% | 2,617 |
| Net loans and leases to total assets | 72.7137% | 2,053 |
| Net loans and leases to deposits | 102.6291% | 529 |
| Net loans and leases to core deposits | 118.6533% | 552 |
| Total domestic deposits to total assets | 70.8510% | 5,734 |
| Equity capital to assets | 13.0515% | 1,472 |
| Core capital (leverage) ratio | 9.2406% | 4,530 |
| Tier 1 risk-based capital ratio | 10.3869% | 5,727 |
| Total risk-based capital ratio | 11.2984% | 5,781 |
| Memoranda: | ||
| Average total assets | $9,396,957,000 | 118 |
| Average earning assets | $8,351,686,330 | 122 |
| Average equity | $1,209,278,000 | 121 |
| Average total loans | $6,838,646,000 | 120 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 480 |
| Cost of funding earning assets | 0.3311% | 3,826 |
| Net interest margin | 4.7859% | 366 |
| Noninterest income to average assets | 0.7973% | 1,625 |
| Noninterest expense to average assets | 1.8265% | 5,620 |
| Loan and lease loss provision to assets | 0.2437% | 732 |
| Net operating income to assets | 1.8623% | 429 |
| Return on assets (ROA) | 1.8626% | 456 |
| Pretax return on assets | 2.9791% | 134 |
| Return on Equity (ROE) | 14.5795% | 731 |
| Retained earnings to average equity (ytd only) | 11.2115% | 615 |
| Net charge-offs to loans | 0.1538% | 1,198 |
| Credit loss provision to net charge-offs | 218.7669% | 1,024 |
| Earnings coverage of net charge-offs (x) | 28.9272% | 1,202 |
| Efficiency ratio | 35.4581% | 6,030 |
| Assets per employee ($millions) | 6.5715% | 1,068 |
| Cash dividends to net income (ytd only)* | 23.1009% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 4,314 |
| Loan loss allowance to noncurrent loans | 123.4902% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 2,584 |
| Noncurrent loans to loans | 0.8545% | 2,711 |
| Net loans and leases to total assets | 72.3501% | 1,977 |
| Net loans and leases to deposits | 102.1455% | 503 |
| Net loans and leases to core deposits | 117.8642% | 532 |
| Total domestic deposits to total assets | 70.8304% | 5,832 |
| Equity capital to assets | 12.8959% | 1,461 |
| Core capital (leverage) ratio | 9.0900% | 4,746 |
| Tier 1 risk-based capital ratio | 10.1988% | 5,861 |
| Total risk-based capital ratio | 11.1068% | 5,912 |
| Memoranda: | ||
| Average total assets | $9,317,924,500 | 120 |
| Average earning assets | $8,277,959,500 | 124 |
| Average equity | $1,190,381,500 | 122 |
| Average total loans | $6,746,891,500 | 119 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 371 |
| Cost of funding earning assets | 0.2845% | 4,421 |
| Net interest margin | 5.0075% | 252 |
| Noninterest income to average assets | 0.7694% | 1,901 |
| Noninterest expense to average assets | 2.0881% | 5,276 |
| Loan and lease loss provision to assets | 0.3093% | 545 |
| Net operating income to assets | 1.7566% | 523 |
| Return on assets (ROA) | 1.7566% | 540 |
| Pretax return on assets | 2.7809% | 142 |
| Return on Equity (ROE) | 13.5672% | 935 |
| Retained earnings to average equity (ytd only) | 6.3352% | 1,638 |
| Net charge-offs to loans | 0.2180% | 1,355 |
| Credit loss provision to net charge-offs | 202.7720% | 1,375 |
| Earnings coverage of net charge-offs (x) | 20.2600% | 1,888 |
| Efficiency ratio | 39.3566% | 6,074 |
| Assets per employee ($millions) | 6.5062% | 1,096 |
| Cash dividends to net income (ytd only)* | 53.3052% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,369 |
| Loan loss allowance to noncurrent loans | 108.9953% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 2,438 |
| Noncurrent loans to loans | 0.9563% | 2,419 |
| Net loans and leases to total assets | 70.9383% | 2,209 |
| Net loans and leases to deposits | 101.0014% | 609 |
| Net loans and leases to core deposits | 113.2257% | 719 |
| Total domestic deposits to total assets | 70.2349% | 5,884 |
| Equity capital to assets | 12.6531% | 1,531 |
| Core capital (leverage) ratio | 8.9279% | 4,969 |
| Tier 1 risk-based capital ratio | 10.1759% | 5,903 |
| Total risk-based capital ratio | 11.0766% | 5,953 |
| Memoranda: | ||
| Average total assets | $8,136,555,800 | 133 |
| Average earning assets | $7,163,798,600 | 132 |
| Average equity | $1,053,469,800 | 131 |
| Average total loans | $5,692,605,600 | 130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 399 |
| Cost of funding earning assets | 0.2752% | 4,610 |
| Net interest margin | 4.9839% | 265 |
| Noninterest income to average assets | 0.7818% | 1,877 |
| Noninterest expense to average assets | 2.0919% | 5,289 |
| Loan and lease loss provision to assets | 0.2763% | 578 |
| Net operating income to assets | 1.7660% | 560 |
| Return on assets (ROA) | 1.7661% | 575 |
| Pretax return on assets | 2.7908% | 145 |
| Return on Equity (ROE) | 13.5495% | 992 |
| Retained earnings to average equity (ytd only) | 4.9146% | 2,976 |
| Net charge-offs to loans | 0.2220% | 1,174 |
| Credit loss provision to net charge-offs | 179.1304% | 1,473 |
| Earnings coverage of net charge-offs (x) | 19.8871% | 1,907 |
| Efficiency ratio | 39.4910% | 6,141 |
| Assets per employee ($millions) | 6.1474% | 1,274 |
| Cash dividends to net income (ytd only)* | 63.7290% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,427 |
| Loan loss allowance to noncurrent loans | 117.9788% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 2,671 |
| Noncurrent loans to loans | 0.8985% | 2,724 |
| Net loans and leases to total assets | 70.1434% | 2,368 |
| Net loans and leases to deposits | 98.7039% | 751 |
| Net loans and leases to core deposits | 106.6496% | 1,054 |
| Total domestic deposits to total assets | 71.0645% | 5,922 |
| Equity capital to assets | 12.3473% | 1,835 |
| Core capital (leverage) ratio | 8.9605% | 5,037 |
| Tier 1 risk-based capital ratio | 10.2198% | 5,970 |
| Total risk-based capital ratio | 11.1387% | 6,036 |
| Memoranda: | ||
| Average total assets | $7,854,474,500 | 137 |
| Average earning assets | $6,898,017,750 | 138 |
| Average equity | $1,023,763,250 | 135 |
| Average total loans | $5,455,364,250 | 136 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 410 |
| Cost of funding earning assets | 0.2692% | 4,728 |
| Net interest margin | 4.9595% | 268 |
| Noninterest income to average assets | 0.7894% | 1,823 |
| Noninterest expense to average assets | 2.1092% | 5,318 |
| Loan and lease loss provision to assets | 0.2397% | 758 |
| Net operating income to assets | 1.7521% | 568 |
| Return on assets (ROA) | 1.7522% | 594 |
| Pretax return on assets | 2.7811% | 164 |
| Return on Equity (ROE) | 13.1866% | 1,083 |
| Retained earnings to average equity (ytd only) | 3.6150% | 3,725 |
| Net charge-offs to loans | 0.1931% | 1,301 |
| Credit loss provision to net charge-offs | 180.1533% | 1,346 |
| Earnings coverage of net charge-offs (x) | 22.7009% | 1,636 |
| Efficiency ratio | 39.9796% | 6,205 |
| Assets per employee ($millions) | 5.7418% | 1,536 |
| Cash dividends to net income (ytd only)* | 72.5855% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 4,513 |
| Loan loss allowance to noncurrent loans | 121.8051% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 2,800 |
| Noncurrent loans to loans | 0.8742% | 2,945 |
| Net loans and leases to total assets | 69.4492% | 2,417 |
| Net loans and leases to deposits | 93.7892% | 1,171 |
| Net loans and leases to core deposits | 100.7790% | 1,422 |
| Total domestic deposits to total assets | 74.0481% | 5,789 |
| Equity capital to assets | 12.7005% | 1,545 |
| Core capital (leverage) ratio | 9.0825% | 4,848 |
| Tier 1 risk-based capital ratio | 10.1897% | 6,032 |
| Total risk-based capital ratio | 11.0824% | 6,087 |
| Memoranda: | ||
| Average total assets | $7,648,928,330 | 141 |
| Average earning assets | $6,694,208,670 | 144 |
| Average equity | $1,016,367,330 | 137 |
| Average total loans | $5,271,956,000 | 143 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 408 |
| Cost of funding earning assets | 0.2763% | 4,709 |
| Net interest margin | 4.9190% | 288 |
| Noninterest income to average assets | 0.7533% | 1,894 |
| Noninterest expense to average assets | 2.1037% | 5,375 |
| Loan and lease loss provision to assets | 0.2035% | 898 |
| Net operating income to assets | 1.7263% | 557 |
| Return on assets (ROA) | 1.7265% | 589 |
| Pretax return on assets | 2.7354% | 179 |
| Return on Equity (ROE) | 12.6894% | 1,166 |
| Retained earnings to average equity (ytd only) | 3.7183% | 3,778 |
| Net charge-offs to loans | 0.2456% | 972 |
| Credit loss provision to net charge-offs | 121.4561% | 1,432 |
| Earnings coverage of net charge-offs (x) | 17.5369% | 1,519 |
| Efficiency ratio | 40.5161% | 6,257 |
| Assets per employee ($millions) | 5.5976% | 1,712 |
| Cash dividends to net income (ytd only)* | 70.6979% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 4,468 |
| Loan loss allowance to noncurrent loans | 108.5994% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 2,605 |
| Noncurrent loans to loans | 1.0207% | 2,719 |
| Net loans and leases to total assets | 67.2324% | 2,569 |
| Net loans and leases to deposits | 84.3750% | 2,021 |
| Net loans and leases to core deposits | 89.1691% | 2,211 |
| Total domestic deposits to total assets | 79.6829% | 5,125 |
| Equity capital to assets | 13.5836% | 1,138 |
| Core capital (leverage) ratio | 9.4045% | 4,426 |
| Tier 1 risk-based capital ratio | 11.0524% | 5,779 |
| Total risk-based capital ratio | 11.9735% | 5,853 |
| Memoranda: | ||
| Average total assets | $7,442,630,000 | 142 |
| Average earning assets | $6,489,633,000 | 144 |
| Average equity | $1,012,625,000 | 137 |
| Average total loans | $5,078,474,500 | 145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6421% | 249 |
| Cost of funding earning assets | 0.2936% | 4,858 |
| Net interest margin | 5.3485% | 167 |
| Noninterest income to average assets | 0.6070% | 2,815 |
| Noninterest expense to average assets | 2.2447% | 5,256 |
| Loan and lease loss provision to assets | 0.3253% | 603 |
| Net operating income to assets | 1.6740% | 608 |
| Return on assets (ROA) | 1.6740% | 634 |
| Pretax return on assets | 2.6280% | 158 |
| Return on Equity (ROE) | 12.4444% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.4361% | 3,768 |
| Net charge-offs to loans | 0.2234% | 1,878 |
| Credit loss provision to net charge-offs | 218.9970% | 1,141 |
| Earnings coverage of net charge-offs (x) | 19.8840% | 1,749 |
| Efficiency ratio | 41.9057% | 6,367 |
| Assets per employee ($millions) | 5.3628% | 1,897 |
| Cash dividends to net income (ytd only)* | 72.3884% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 4,600 |
| Loan loss allowance to noncurrent loans | 88.6574% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 2,412 |
| Noncurrent loans to loans | 1.2269% | 2,400 |
| Net loans and leases to total assets | 67.7428% | 2,599 |
| Net loans and leases to deposits | 91.2415% | 1,373 |
| Net loans and leases to core deposits | 96.1390% | 1,705 |
| Total domestic deposits to total assets | 74.2456% | 5,928 |
| Equity capital to assets | 13.6283% | 1,104 |
| Core capital (leverage) ratio | 9.2540% | 4,597 |
| Tier 1 risk-based capital ratio | 11.4146% | 5,709 |
| Total risk-based capital ratio | 12.3753% | 5,796 |
| Memoranda: | ||
| Average total assets | $6,967,844,200 | 148 |
| Average earning assets | $5,981,048,600 | 151 |
| Average equity | $937,311,000 | 139 |
| Average total loans | $4,632,381,000 | 152 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6579% | 243 |
| Cost of funding earning assets | 0.2999% | 4,889 |
| Net interest margin | 5.3580% | 164 |
| Noninterest income to average assets | 0.6354% | 2,649 |
| Noninterest expense to average assets | 2.2643% | 5,195 |
| Loan and lease loss provision to assets | 0.3360% | 537 |
| Net operating income to assets | 1.6681% | 656 |
| Return on assets (ROA) | 1.6681% | 683 |
| Pretax return on assets | 2.6158% | 178 |
| Return on Equity (ROE) | 12.4440% | 1,354 |
| Retained earnings to average equity (ytd only) | 3.5512% | 4,120 |
| Net charge-offs to loans | 0.2105% | 1,785 |
| Credit loss provision to net charge-offs | 241.9896% | 1,085 |
| Earnings coverage of net charge-offs (x) | 21.2614% | 1,686 |
| Efficiency ratio | 42.1184% | 6,412 |
| Assets per employee ($millions) | 5.2968% | 1,904 |
| Cash dividends to net income (ytd only)* | 71.4627% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 4,778 |
| Loan loss allowance to noncurrent loans | 75.4429% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4319% | 2,158 |
| Noncurrent loans to loans | 1.4490% | 2,244 |
| Net loans and leases to total assets | 66.5174% | 2,770 |
| Net loans and leases to deposits | 89.7442% | 1,449 |
| Net loans and leases to core deposits | 94.9409% | 1,766 |
| Total domestic deposits to total assets | 74.1189% | 6,007 |
| Equity capital to assets | 13.4210% | 1,221 |
| Core capital (leverage) ratio | 9.3554% | 4,563 |
| Tier 1 risk-based capital ratio | 11.3879% | 5,844 |
| Total risk-based capital ratio | 12.3572% | 5,906 |
| Memoranda: | ||
| Average total assets | $6,863,672,250 | 146 |
| Average earning assets | $5,867,840,250 | 153 |
| Average equity | $920,043,000 | 140 |
| Average total loans | $4,526,101,250 | 151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 200 |
| Cost of funding earning assets | 0.3035% | 4,938 |
| Net interest margin | 5.4421% | 143 |
| Noninterest income to average assets | 0.6658% | 2,457 |
| Noninterest expense to average assets | 2.2295% | 5,346 |
| Loan and lease loss provision to assets | 0.3864% | 443 |
| Net operating income to assets | 1.7029% | 576 |
| Return on assets (ROA) | 1.7029% | 602 |
| Pretax return on assets | 2.6828% | 162 |
| Return on Equity (ROE) | 12.7097% | 1,254 |
| Retained earnings to average equity (ytd only) | 4.0156% | 3,624 |
| Net charge-offs to loans | 0.2069% | 1,785 |
| Credit loss provision to net charge-offs | 285.1868% | 897 |
| Earnings coverage of net charge-offs (x) | 22.6511% | 1,504 |
| Efficiency ratio | 40.7835% | 6,509 |
| Assets per employee ($millions) | 4.9458% | 2,287 |
| Cash dividends to net income (ytd only)* | 68.4051% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 4,594 |
| Loan loss allowance to noncurrent loans | 62.8055% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 1,806 |
| Noncurrent loans to loans | 1.8533% | 1,852 |
| Net loans and leases to total assets | 65.2221% | 2,876 |
| Net loans and leases to deposits | 83.1099% | 2,134 |
| Net loans and leases to core deposits | 88.5110% | 2,255 |
| Total domestic deposits to total assets | 78.4769% | 5,555 |
| Equity capital to assets | 13.7827% | 1,058 |
| Core capital (leverage) ratio | 9.0680% | 4,911 |
| Tier 1 risk-based capital ratio | 11.6939% | 5,695 |
| Total risk-based capital ratio | 12.7261% | 5,766 |
| Memoranda: | ||
| Average total assets | $6,755,629,670 | 147 |
| Average earning assets | $5,751,299,330 | 154 |
| Average equity | $905,166,000 | 141 |
| Average total loans | $4,423,474,000 | 152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 231 |
| Cost of funding earning assets | 0.3123% | 4,948 |
| Net interest margin | 5.3734% | 149 |
| Noninterest income to average assets | 0.6865% | 2,243 |
| Noninterest expense to average assets | 2.2390% | 5,360 |
| Loan and lease loss provision to assets | 0.4080% | 409 |
| Net operating income to assets | 1.6578% | 609 |
| Return on assets (ROA) | 1.6578% | 638 |
| Pretax return on assets | 2.6045% | 198 |
| Return on Equity (ROE) | 12.5491% | 1,275 |
| Retained earnings to average equity (ytd only) | 4.5544% | 3,391 |
| Net charge-offs to loans | 0.1588% | 1,767 |
| Credit loss provision to net charge-offs | 393.7571% | 661 |
| Earnings coverage of net charge-offs (x) | 29.0755% | 1,068 |
| Efficiency ratio | 41.3282% | 6,564 |
| Assets per employee ($millions) | 4.9778% | 2,277 |
| Cash dividends to net income (ytd only)* | 63.7073% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,054 |
| Loan loss allowance to noncurrent loans | 61.8909% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.8119% | 1,932 |
| Noncurrent loans to loans | 1.8002% | 2,140 |
| Net loans and leases to total assets | 64.1347% | 2,867 |
| Net loans and leases to deposits | 81.1302% | 2,148 |
| Net loans and leases to core deposits | 87.0845% | 2,185 |
| Total domestic deposits to total assets | 79.0516% | 5,674 |
| Equity capital to assets | 13.3645% | 1,150 |
| Core capital (leverage) ratio | 8.7157% | 5,362 |
| Tier 1 risk-based capital ratio | 11.2226% | 6,059 |
| Total risk-based capital ratio | 12.2043% | 6,125 |
| Memoranda: | ||
| Average total assets | $6,802,445,500 | 144 |
| Average earning assets | $5,779,113,000 | 153 |
| Average equity | $898,646,500 | 143 |
| Average total loans | $4,437,079,000 | 152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4796% | 374 |
| Cost of funding earning assets | 0.3520% | 5,112 |
| Net interest margin | 5.1276% | 240 |
| Noninterest income to average assets | 0.8151% | 2,005 |
| Noninterest expense to average assets | 2.7196% | 4,027 |
| Loan and lease loss provision to assets | 0.1102% | 2,965 |
| Net operating income to assets | 1.4768% | 864 |
| Return on assets (ROA) | 1.4783% | 909 |
| Pretax return on assets | 2.3283% | 253 |
| Return on Equity (ROE) | 11.9647% | 1,431 |
| Retained earnings to average equity (ytd only) | -3.7279% | 6,310 |
| Net charge-offs to loans | 0.5077% | 1,308 |
| Credit loss provision to net charge-offs | 33.5275% | 4,170 |
| Earnings coverage of net charge-offs (x) | 7.4148% | 2,848 |
| Efficiency ratio | 51.2629% | 6,349 |
| Assets per employee ($millions) | 4.6619% | 2,637 |
| Cash dividends to net income (ytd only)* | 131.1574% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 5,665 |
| Loan loss allowance to noncurrent loans | 59.1168% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.8312% | 2,002 |
| Noncurrent loans to loans | 1.6555% | 2,425 |
| Net loans and leases to total assets | 64.9536% | 2,879 |
| Net loans and leases to deposits | 82.1044% | 2,169 |
| Net loans and leases to core deposits | 88.6335% | 2,174 |
| Total domestic deposits to total assets | 79.1110% | 5,630 |
| Equity capital to assets | 13.0578% | 1,252 |
| Core capital (leverage) ratio | 8.3233% | 5,849 |
| Tier 1 risk-based capital ratio | 10.6820% | 6,306 |
| Total risk-based capital ratio | 11.5472% | 6,389 |
| Memoranda: | ||
| Average total assets | $4,702,560,000 | 185 |
| Average earning assets | $3,980,832,000 | 191 |
| Average equity | $581,025,600 | 176 |
| Average total loans | $3,043,361,600 | 187 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5223% | 357 |
| Cost of funding earning assets | 0.3629% | 5,160 |
| Net interest margin | 5.1594% | 232 |
| Noninterest income to average assets | 0.8497% | 1,936 |
| Noninterest expense to average assets | 2.3890% | 5,055 |
| Loan and lease loss provision to assets | 0.0272% | 4,467 |
| Net operating income to assets | 1.7712% | 559 |
| Return on assets (ROA) | 1.7735% | 582 |
| Pretax return on assets | 2.8011% | 169 |
| Return on Equity (ROE) | 14.6952% | 856 |
| Retained earnings to average equity (ytd only) | 3.7906% | 3,987 |
| Net charge-offs to loans | 0.6522% | 938 |
| Credit loss provision to net charge-offs | 6.4722% | 4,261 |
| Earnings coverage of net charge-offs (x) | 6.7301% | 2,919 |
| Efficiency ratio | 44.3459% | 6,645 |
| Assets per employee ($millions) | 4.5785% | 2,757 |
| Cash dividends to net income (ytd only)* | 74.2053% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 3,724 |
| Loan loss allowance to noncurrent loans | 52.1978% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.7141% | 1,385 |
| Noncurrent loans to loans | 2.7628% | 1,522 |
| Net loans and leases to total assets | 63.7693% | 3,032 |
| Net loans and leases to deposits | 80.6190% | 2,320 |
| Net loans and leases to core deposits | 85.1214% | 2,527 |
| Total domestic deposits to total assets | 79.0996% | 5,728 |
| Equity capital to assets | 12.1302% | 1,842 |
| Core capital (leverage) ratio | 10.3032% | 3,240 |
| Tier 1 risk-based capital ratio | 12.7613% | 5,285 |
| Total risk-based capital ratio | 13.9760% | 5,256 |
| Memoranda: | ||
| Average total assets | $4,171,930,000 | 197 |
| Average earning assets | $3,528,784,000 | 204 |
| Average equity | $503,480,750 | 190 |
| Average total loans | $2,684,963,750 | 193 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 375 |
| Cost of funding earning assets | 0.3858% | 5,073 |
| Net interest margin | 5.1080% | 252 |
| Noninterest income to average assets | 0.8460% | 2,012 |
| Noninterest expense to average assets | 2.3662% | 5,156 |
| Loan and lease loss provision to assets | 0.0407% | 4,141 |
| Net operating income to assets | 1.7410% | 584 |
| Return on assets (ROA) | 1.7444% | 627 |
| Pretax return on assets | 2.7526% | 196 |
| Return on Equity (ROE) | 14.4789% | 914 |
| Retained earnings to average equity (ytd only) | 3.5316% | 4,072 |
| Net charge-offs to loans | 0.7772% | 815 |
| Credit loss provision to net charge-offs | 8.1488% | 3,925 |
| Earnings coverage of net charge-offs (x) | 5.5839% | 2,863 |
| Efficiency ratio | 44.4181% | 6,700 |
| Assets per employee ($millions) | 4.4522% | 2,891 |
| Cash dividends to net income (ytd only)* | 75.6085% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,349 |
| Loan loss allowance to noncurrent loans | 47.5660% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.1891% | 1,246 |
| Noncurrent loans to loans | 3.2649% | 1,346 |
| Net loans and leases to total assets | 64.3593% | 2,859 |
| Net loans and leases to deposits | 78.2948% | 2,531 |
| Net loans and leases to core deposits | 82.5579% | 2,747 |
| Total domestic deposits to total assets | 82.2012% | 4,981 |
| Equity capital to assets | 12.2873% | 1,716 |
| Core capital (leverage) ratio | 9.8651% | 3,696 |
| Tier 1 risk-based capital ratio | 12.8927% | 5,232 |
| Total risk-based capital ratio | 14.1437% | 5,163 |
| Memoranda: | ||
| Average total assets | $4,178,332,670 | 196 |
| Average earning assets | $3,524,043,000 | 204 |
| Average equity | $503,396,330 | 191 |
| Average total loans | $2,684,314,670 | 193 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4377% | 405 |
| Cost of funding earning assets | 0.4017% | 5,084 |
| Net interest margin | 5.0361% | 282 |
| Noninterest income to average assets | 0.8183% | 2,057 |
| Noninterest expense to average assets | 2.3498% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7209% | 558 |
| Return on assets (ROA) | 1.7209% | 618 |
| Pretax return on assets | 2.7036% | 209 |
| Return on Equity (ROE) | 14.4225% | 876 |
| Retained earnings to average equity (ytd only) | 3.4283% | 4,195 |
| Net charge-offs to loans | 0.6978% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.0828% | 2,279 |
| Efficiency ratio | 44.9974% | 6,732 |
| Assets per employee ($millions) | 4.7128% | 2,631 |
| Cash dividends to net income (ytd only)* | 76.2292% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 2,918 |
| Loan loss allowance to noncurrent loans | 50.4553% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3151% | 1,321 |
| Noncurrent loans to loans | 3.4126% | 1,412 |
| Net loans and leases to total assets | 62.1601% | 3,032 |
| Net loans and leases to deposits | 75.1642% | 2,749 |
| Net loans and leases to core deposits | 80.4011% | 2,758 |
| Total domestic deposits to total assets | 82.6991% | 4,953 |
| Equity capital to assets | 11.9904% | 2,052 |
| Core capital (leverage) ratio | 9.6684% | 3,828 |
| Tier 1 risk-based capital ratio | 12.9865% | 5,229 |
| Total risk-based capital ratio | 14.2394% | 5,176 |
| Memoranda: | ||
| Average total assets | $4,226,149,500 | 199 |
| Average earning assets | $3,554,051,000 | 207 |
| Average equity | $504,267,000 | 195 |
| Average total loans | $2,691,949,500 | 198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 853 |
| Cost of funding earning assets | 0.5918% | 4,424 |
| Net interest margin | 4.7458% | 600 |
| Noninterest income to average assets | 1.1537% | 1,174 |
| Noninterest expense to average assets | 2.4745% | 5,177 |
| Loan and lease loss provision to assets | 0.0691% | 4,883 |
| Net operating income to assets | 1.6572% | 676 |
| Return on assets (ROA) | 1.6574% | 753 |
| Pretax return on assets | 2.5952% | 225 |
| Return on Equity (ROE) | 13.4360% | 1,116 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,690 |
| Net charge-offs to loans | 0.4129% | 2,597 |
| Credit loss provision to net charge-offs | 26.8345% | 5,175 |
| Earnings coverage of net charge-offs (x) | 10.3388% | 2,151 |
| Efficiency ratio | 46.8048% | 6,758 |
| Assets per employee ($millions) | 4.5287% | 2,909 |
| Cash dividends to net income (ytd only)* | 73.3752% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 2,407 |
| Loan loss allowance to noncurrent loans | 51.5937% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.5437% | 1,272 |
| Noncurrent loans to loans | 3.6131% | 1,359 |
| Net loans and leases to total assets | 62.9483% | 3,066 |
| Net loans and leases to deposits | 75.7298% | 2,845 |
| Net loans and leases to core deposits | 81.6435% | 2,805 |
| Total domestic deposits to total assets | 83.1222% | 4,667 |
| Equity capital to assets | 11.8740% | 2,130 |
| Core capital (leverage) ratio | 9.8428% | 3,615 |
| Tier 1 risk-based capital ratio | 12.5725% | 5,425 |
| Total risk-based capital ratio | 13.8274% | 5,374 |
| Memoranda: | ||
| Average total assets | $3,977,080,000 | 206 |
| Average earning assets | $3,339,396,000 | 210 |
| Average equity | $490,591,400 | 197 |
| Average total loans | $2,482,204,600 | 199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 913 |
| Cost of funding earning assets | 0.6395% | 4,286 |
| Net interest margin | 4.7153% | 658 |
| Noninterest income to average assets | 1.0409% | 1,398 |
| Noninterest expense to average assets | 2.3843% | 5,442 |
| Loan and lease loss provision to assets | 0.0511% | 5,116 |
| Net operating income to assets | 1.6450% | 768 |
| Return on assets (ROA) | 1.6453% | 848 |
| Pretax return on assets | 2.5698% | 263 |
| Return on Equity (ROE) | 13.2041% | 1,288 |
| Retained earnings to average equity (ytd only) | 3.4728% | 4,422 |
| Net charge-offs to loans | 0.2856% | 3,012 |
| Credit loss provision to net charge-offs | 28.8962% | 4,813 |
| Earnings coverage of net charge-offs (x) | 14.8149% | 1,814 |
| Efficiency ratio | 46.2648% | 6,807 |
| Assets per employee ($millions) | 4.5781% | 2,784 |
| Cash dividends to net income (ytd only)* | 73.6988% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1919% | 1,720 |
| Loan loss allowance to noncurrent loans | 57.0669% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 3.6655% | 1,353 |
| Noncurrent loans to loans | 3.8409% | 1,367 |
| Net loans and leases to total assets | 62.6461% | 3,268 |
| Net loans and leases to deposits | 76.6145% | 2,891 |
| Net loans and leases to core deposits | 84.0828% | 2,683 |
| Total domestic deposits to total assets | 81.7679% | 5,097 |
| Equity capital to assets | 12.8022% | 1,705 |
| Core capital (leverage) ratio | 10.2433% | 3,235 |
| Tier 1 risk-based capital ratio | 14.1165% | 4,440 |
| Total risk-based capital ratio | 15.3749% | 4,395 |
| Memoranda: | ||
| Average total assets | $3,912,762,000 | 213 |
| Average earning assets | $3,289,283,500 | 212 |
| Average equity | $487,543,000 | 200 |
| Average total loans | $2,423,735,000 | 203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 937 |
| Cost of funding earning assets | 0.6880% | 4,115 |
| Net interest margin | 4.6751% | 710 |
| Noninterest income to average assets | 1.0361% | 1,361 |
| Noninterest expense to average assets | 2.3966% | 5,472 |
| Loan and lease loss provision to assets | 0.0679% | 4,779 |
| Net operating income to assets | 1.5998% | 834 |
| Return on assets (ROA) | 1.6001% | 932 |
| Pretax return on assets | 2.4990% | 300 |
| Return on Equity (ROE) | 12.9588% | 1,372 |
| Retained earnings to average equity (ytd only) | 3.3617% | 4,366 |
| Net charge-offs to loans | 0.1902% | 3,443 |
| Credit loss provision to net charge-offs | 58.3115% | 3,846 |
| Earnings coverage of net charge-offs (x) | 22.0293% | 1,321 |
| Efficiency ratio | 46.9297% | 6,834 |
| Assets per employee ($millions) | 4.6893% | 2,584 |
| Cash dividends to net income (ytd only)* | 74.0589% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2897% | 1,606 |
| Loan loss allowance to noncurrent loans | 51.9504% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.9107% | 1,326 |
| Noncurrent loans to loans | 4.4075% | 1,211 |
| Net loans and leases to total assets | 59.5865% | 3,901 |
| Net loans and leases to deposits | 72.2088% | 3,583 |
| Net loans and leases to core deposits | 80.2971% | 3,177 |
| Total domestic deposits to total assets | 82.5197% | 4,944 |
| Equity capital to assets | 12.1106% | 2,062 |
| Core capital (leverage) ratio | 9.8674% | 3,625 |
| Tier 1 risk-based capital ratio | 14.0676% | 4,395 |
| Total risk-based capital ratio | 15.3271% | 4,349 |
| Memoranda: | ||
| Average total assets | $3,924,451,670 | 212 |
| Average earning assets | $3,296,389,330 | 213 |
| Average equity | $484,581,000 | 199 |
| Average total loans | $2,403,758,670 | 204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 1,035 |
| Cost of funding earning assets | 0.7330% | 4,002 |
| Net interest margin | 4.6016% | 824 |
| Noninterest income to average assets | 1.0005% | 1,423 |
| Noninterest expense to average assets | 2.4290% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5745% | 908 |
| Return on assets (ROA) | 1.5758% | 1,009 |
| Pretax return on assets | 2.4272% | 370 |
| Return on Equity (ROE) | 12.6346% | 1,502 |
| Retained earnings to average equity (ytd only) | 3.7782% | 4,319 |
| Net charge-offs to loans | 0.1881% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 21.0072% | 1,170 |
| Efficiency ratio | 48.6946% | 6,759 |
| Assets per employee ($millions) | 4.6760% | 2,700 |
| Cash dividends to net income (ytd only)* | 70.0966% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 2,239 |
| Loan loss allowance to noncurrent loans | 39.6310% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 4.4245% | 1,215 |
| Noncurrent loans to loans | 5.1456% | 1,071 |
| Net loans and leases to total assets | 59.2170% | 3,820 |
| Net loans and leases to deposits | 71.6816% | 3,479 |
| Net loans and leases to core deposits | 81.6144% | 2,883 |
| Total domestic deposits to total assets | 82.6112% | 5,075 |
| Equity capital to assets | 11.6915% | 2,270 |
| Core capital (leverage) ratio | 10.3877% | 2,888 |
| Tier 1 risk-based capital ratio | 13.6878% | 4,690 |
| Total risk-based capital ratio | 14.9445% | 4,665 |
| Memoranda: | ||
| Average total assets | $3,863,230,500 | 211 |
| Average earning assets | $3,235,337,500 | 213 |
| Average equity | $481,820,000 | 197 |
| Average total loans | $2,371,683,500 | 204 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 893 |
| Cost of funding earning assets | 0.9276% | 3,902 |
| Net interest margin | 4.7058% | 748 |
| Noninterest income to average assets | 1.0296% | 1,288 |
| Noninterest expense to average assets | 2.4902% | 5,499 |
| Loan and lease loss provision to assets | 0.0956% | 5,400 |
| Net operating income to assets | 1.5393% | 762 |
| Return on assets (ROA) | 1.5792% | 756 |
| Pretax return on assets | 2.4396% | 230 |
| Return on Equity (ROE) | 12.2152% | 1,351 |
| Retained earnings to average equity (ytd only) | 3.8142% | 3,501 |
| Net charge-offs to loans | 0.1995% | 4,542 |
| Credit loss provision to net charge-offs | 74.1683% | 4,697 |
| Earnings coverage of net charge-offs (x) | 19.1907% | 1,173 |
| Efficiency ratio | 48.6091% | 6,911 |
| Assets per employee ($millions) | 4.6360% | 2,705 |
| Cash dividends to net income (ytd only)* | 68.7753% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,585 |
| Loan loss allowance to noncurrent loans | 35.6806% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 5.5163% | 927 |
| Noncurrent loans to loans | 6.5170% | 714 |
| Net loans and leases to total assets | 61.0242% | 3,780 |
| Net loans and leases to deposits | 75.7176% | 3,220 |
| Net loans and leases to core deposits | 87.6160% | 2,415 |
| Total domestic deposits to total assets | 80.5944% | 5,562 |
| Equity capital to assets | 13.3721% | 1,334 |
| Core capital (leverage) ratio | 11.6476% | 1,793 |
| Tier 1 risk-based capital ratio | 15.6787% | 3,223 |
| Total risk-based capital ratio | 16.9382% | 3,177 |
| Memoranda: | ||
| Average total assets | $3,660,793,400 | 213 |
| Average earning assets | $3,060,668,800 | 218 |
| Average equity | $473,262,600 | 192 |
| Average total loans | $2,364,878,800 | 208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 969 |
| Cost of funding earning assets | 0.9544% | 4,006 |
| Net interest margin | 4.6780% | 801 |
| Noninterest income to average assets | 1.0183% | 1,300 |
| Noninterest expense to average assets | 2.4932% | 5,483 |
| Loan and lease loss provision to assets | 0.0453% | 5,876 |
| Net operating income to assets | 1.5550% | 837 |
| Return on assets (ROA) | 1.5551% | 913 |
| Pretax return on assets | 2.3945% | 300 |
| Return on Equity (ROE) | 12.1306% | 1,517 |
| Retained earnings to average equity (ytd only) | 4.1066% | 3,808 |
| Net charge-offs to loans | 0.0050% | 6,117 |
| Credit loss provision to net charge-offs | 1,404.4944% | 195 |
| Earnings coverage of net charge-offs (x) | 756.3831% | 42 |
| Efficiency ratio | 48.9843% | 6,889 |
| Assets per employee ($millions) | 4.5713% | 2,807 |
| Cash dividends to net income (ytd only)* | 66.1470% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 1,640 |
| Loan loss allowance to noncurrent loans | 35.9559% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 5.5541% | 996 |
| Noncurrent loans to loans | 6.4849% | 815 |
| Net loans and leases to total assets | 63.3034% | 3,453 |
| Net loans and leases to deposits | 78.4576% | 2,894 |
| Net loans and leases to core deposits | 91.0716% | 2,112 |
| Total domestic deposits to total assets | 80.6849% | 5,536 |
| Equity capital to assets | 13.2274% | 1,502 |
| Core capital (leverage) ratio | 11.4147% | 2,091 |
| Tier 1 risk-based capital ratio | 15.2004% | 3,546 |
| Total risk-based capital ratio | 16.4605% | 3,502 |
| Memoranda: | ||
| Average total assets | $3,678,931,500 | 212 |
| Average earning assets | $3,078,540,250 | 217 |
| Average equity | $471,622,750 | 193 |
| Average total loans | $2,395,642,500 | 206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 1,105 |
| Cost of funding earning assets | 0.9682% | 4,184 |
| Net interest margin | 4.6129% | 888 |
| Noninterest income to average assets | 0.9997% | 1,318 |
| Noninterest expense to average assets | 2.4792% | 5,617 |
| Loan and lease loss provision to assets | 0.0675% | 5,463 |
| Net operating income to assets | 1.5018% | 890 |
| Return on assets (ROA) | 1.5018% | 947 |
| Pretax return on assets | 2.3199% | 337 |
| Return on Equity (ROE) | 11.8369% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.8369% | 538 |
| Net charge-offs to loans | -0.1812% | 7,278 |
| Credit loss provision to net charge-offs | -57.1298% | 6,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3707% | 6,981 |
| Assets per employee ($millions) | 4.6147% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 1,581 |
| Loan loss allowance to noncurrent loans | 34.0071% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 5.6764% | 1,023 |
| Noncurrent loans to loans | 7.0724% | 723 |
| Net loans and leases to total assets | 62.6493% | 3,753 |
| Net loans and leases to deposits | 77.9565% | 3,125 |
| Net loans and leases to core deposits | 90.3873% | 2,321 |
| Total domestic deposits to total assets | 80.3645% | 5,723 |
| Equity capital to assets | 13.2445% | 1,410 |
| Core capital (leverage) ratio | 11.4052% | 1,974 |
| Tier 1 risk-based capital ratio | 15.7545% | 3,104 |
| Total risk-based capital ratio | 17.0158% | 3,076 |
| Memoranda: | ||
| Average total assets | $3,702,993,670 | 214 |
| Average earning assets | $3,104,190,000 | 220 |
| Average equity | $469,803,670 | 197 |
| Average total loans | $2,414,956,670 | 208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5081% | 1,273 |
| Cost of funding earning assets | 0.9877% | 4,286 |
| Net interest margin | 4.5204% | 1,024 |
| Noninterest income to average assets | 1.0491% | 1,198 |
| Noninterest expense to average assets | 2.4744% | 5,648 |
| Loan and lease loss provision to assets | 0.1346% | 4,325 |
| Net operating income to assets | 1.4507% | 987 |
| Return on assets (ROA) | 1.4507% | 1,022 |
| Pretax return on assets | 2.2285% | 381 |
| Return on Equity (ROE) | 11.6883% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.6883% | 780 |
| Net charge-offs to loans | 0.1649% | 3,490 |
| Credit loss provision to net charge-offs | 124.1311% | 2,216 |
| Earnings coverage of net charge-offs (x) | 21.7974% | 1,071 |
| Efficiency ratio | 49.5638% | 7,018 |
| Assets per employee ($millions) | 4.6768% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 1,919 |
| Loan loss allowance to noncurrent loans | 39.8603% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 4.7053% | 1,358 |
| Noncurrent loans to loans | 5.5654% | 1,170 |
| Net loans and leases to total assets | 64.0974% | 3,425 |
| Net loans and leases to deposits | 79.4036% | 2,828 |
| Net loans and leases to core deposits | 91.0416% | 2,237 |
| Total domestic deposits to total assets | 80.7235% | 5,740 |
| Equity capital to assets | 12.7052% | 1,519 |
| Core capital (leverage) ratio | 10.9791% | 2,210 |
| Tier 1 risk-based capital ratio | 15.0757% | 3,385 |
| Total risk-based capital ratio | 16.3353% | 3,340 |
| Memoranda: | ||
| Average total assets | $3,715,547,500 | 212 |
| Average earning assets | $3,113,802,000 | 222 |
| Average equity | $461,146,000 | 196 |
| Average total loans | $2,441,958,000 | 207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 2,156 |
| Cost of funding earning assets | 1.1811% | 4,668 |
| Net interest margin | 4.3505% | 1,645 |
| Noninterest income to average assets | 2.1082% | 363 |
| Noninterest expense to average assets | 2.5404% | 5,647 |
| Loan and lease loss provision to assets | 2.2923% | 531 |
| Net operating income to assets | 0.7342% | 3,077 |
| Return on assets (ROA) | 0.6543% | 3,563 |
| Pretax return on assets | 0.9153% | 3,222 |
| Return on Equity (ROE) | 5.2855% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.2855% | 2,258 |
| Net charge-offs to loans | 2.8012% | 627 |
| Credit loss provision to net charge-offs | 116.6104% | 3,683 |
| Earnings coverage of net charge-offs (x) | 1.6889% | 4,465 |
| Efficiency ratio | 41.9945% | 7,465 |
| Assets per employee ($millions) | 5.3665% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1614% | 1,942 |
| Loan loss allowance to noncurrent loans | 33.3961% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 5.1506% | 1,234 |
| Noncurrent loans to loans | 6.4721% | 927 |
| Net loans and leases to total assets | 64.4669% | 3,765 |
| Net loans and leases to deposits | 79.8985% | 3,195 |
| Net loans and leases to core deposits | 91.9247% | 2,511 |
| Total domestic deposits to total assets | 80.6860% | 5,624 |
| Equity capital to assets | 12.1221% | 1,842 |
| Core capital (leverage) ratio | 10.3196% | 2,750 |
| Tier 1 risk-based capital ratio | 14.3220% | 3,662 |
| Total risk-based capital ratio | 15.5811% | 3,607 |
| Memoranda: | ||
| Average total assets | $3,178,007,000 | 237 |
| Average earning assets | $2,741,000,600 | 239 |
| Average equity | $393,434,400 | 213 |
| Average total loans | $2,230,252,000 | 221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 2,377 |
| Cost of funding earning assets | 1.2098% | 4,806 |
| Net interest margin | 4.3050% | 1,835 |
| Noninterest income to average assets | 1.3980% | 693 |
| Noninterest expense to average assets | 2.4378% | 5,923 |
| Loan and lease loss provision to assets | 0.4326% | 3,317 |
| Net operating income to assets | 1.4848% | 950 |
| Return on assets (ROA) | 1.4857% | 1,029 |
| Pretax return on assets | 2.2714% | 361 |
| Return on Equity (ROE) | 11.9243% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.9243% | 471 |
| Net charge-offs to loans | 0.5550% | 3,093 |
| Credit loss provision to net charge-offs | 109.0084% | 3,902 |
| Earnings coverage of net charge-offs (x) | 6.8104% | 2,448 |
| Efficiency ratio | 45.9697% | 7,382 |
| Assets per employee ($millions) | 5.3024% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 2,625 |
| Loan loss allowance to noncurrent loans | 34.0099% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 4.7369% | 1,393 |
| Noncurrent loans to loans | 5.4470% | 1,225 |
| Net loans and leases to total assets | 68.6790% | 3,058 |
| Net loans and leases to deposits | 86.9540% | 2,159 |
| Net loans and leases to core deposits | 102.5793% | 1,595 |
| Total domestic deposits to total assets | 78.9831% | 6,023 |
| Equity capital to assets | 12.7597% | 1,709 |
| Core capital (leverage) ratio | 10.8556% | 2,367 |
| Tier 1 risk-based capital ratio | 14.1325% | 3,737 |
| Total risk-based capital ratio | 15.3884% | 3,704 |
| Memoranda: | ||
| Average total assets | $3,036,058,250 | 239 |
| Average earning assets | $2,639,208,000 | 240 |
| Average equity | $378,275,750 | 218 |
| Average total loans | $2,170,777,750 | 225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4583% | 2,710 |
| Cost of funding earning assets | 1.2201% | 5,017 |
| Net interest margin | 4.2382% | 2,027 |
| Noninterest income to average assets | 1.6290% | 489 |
| Noninterest expense to average assets | 2.4065% | 6,053 |
| Loan and lease loss provision to assets | 0.4688% | 2,974 |
| Net operating income to assets | 1.6089% | 719 |
| Return on assets (ROA) | 1.6089% | 770 |
| Pretax return on assets | 2.4715% | 244 |
| Return on Equity (ROE) | 13.0338% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.0338% | 377 |
| Net charge-offs to loans | 0.5891% | 2,761 |
| Credit loss provision to net charge-offs | 110.3948% | 3,683 |
| Earnings coverage of net charge-offs (x) | 6.9236% | 2,387 |
| Efficiency ratio | 43.6753% | 7,533 |
| Assets per employee ($millions) | 4.8182% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 2,190 |
| Loan loss allowance to noncurrent loans | 71.3300% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 2,727 |
| Noncurrent loans to loans | 2.7999% | 2,854 |
| Net loans and leases to total assets | 70.7293% | 2,737 |
| Net loans and leases to deposits | 91.9492% | 1,542 |
| Net loans and leases to core deposits | 109.6500% | 1,187 |
| Total domestic deposits to total assets | 76.9222% | 6,524 |
| Equity capital to assets | 12.7575% | 1,667 |
| Core capital (leverage) ratio | 10.8085% | 2,394 |
| Tier 1 risk-based capital ratio | 13.7960% | 3,883 |
| Total risk-based capital ratio | 15.0535% | 3,841 |
| Memoranda: | ||
| Average total assets | $2,922,202,000 | 247 |
| Average earning assets | $2,563,415,670 | 248 |
| Average equity | $360,709,330 | 220 |
| Average total loans | $2,106,536,000 | 229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 3,727 |
| Cost of funding earning assets | 1.2001% | 5,405 |
| Net interest margin | 4.0606% | 2,610 |
| Noninterest income to average assets | 2.2488% | 289 |
| Noninterest expense to average assets | 2.4131% | 6,039 |
| Loan and lease loss provision to assets | 0.4320% | 2,798 |
| Net operating income to assets | 1.9160% | 403 |
| Return on assets (ROA) | 1.9160% | 440 |
| Pretax return on assets | 2.9712% | 142 |
| Return on Equity (ROE) | 15.8010% | 748 |
| Retained earnings to average equity (ytd only) | 15.8010% | 354 |
| Net charge-offs to loans | 0.6238% | 2,262 |
| Credit loss provision to net charge-offs | 96.1240% | 3,520 |
| Earnings coverage of net charge-offs (x) | 7.5724% | 2,066 |
| Efficiency ratio | 40.3671% | 7,723 |
| Assets per employee ($millions) | 5.1342% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9604% | 2,284 |
| Loan loss allowance to noncurrent loans | 74.9838% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 2.7216% | 2,675 |
| Noncurrent loans to loans | 2.6144% | 3,052 |
| Net loans and leases to total assets | 69.9060% | 2,964 |
| Net loans and leases to deposits | 90.6034% | 1,816 |
| Net loans and leases to core deposits | 105.4214% | 1,626 |
| Total domestic deposits to total assets | 77.1561% | 6,522 |
| Equity capital to assets | 12.1922% | 1,938 |
| Core capital (leverage) ratio | 11.7353% | 1,785 |
| Tier 1 risk-based capital ratio | 13.2091% | 4,205 |
| Total risk-based capital ratio | 14.4659% | 4,150 |
| Memoranda: | ||
| Average total assets | $2,870,382,000 | 260 |
| Average earning assets | $2,521,776,500 | 264 |
| Average equity | $348,053,000 | 230 |
| Average total loans | $2,067,918,000 | 243 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6880% | 3,169 |
| Cost of funding earning assets | 1.6037% | 5,007 |
| Net interest margin | 4.0843% | 2,512 |
| Noninterest income to average assets | 1.0851% | 1,309 |
| Noninterest expense to average assets | 2.5147% | 6,077 |
| Loan and lease loss provision to assets | 0.4247% | 4,281 |
| Net operating income to assets | 1.1981% | 1,248 |
| Return on assets (ROA) | 1.1982% | 1,299 |
| Pretax return on assets | 1.7728% | 670 |
| Return on Equity (ROE) | 10.2901% | 1,609 |
| Retained earnings to average equity (ytd only) | 9.5969% | 417 |
| Net charge-offs to loans | 0.4361% | 4,057 |
| Credit loss provision to net charge-offs | 130.2114% | 3,918 |
| Earnings coverage of net charge-offs (x) | 6.7374% | 2,299 |
| Efficiency ratio | 51.9056% | 7,394 |
| Assets per employee ($millions) | 5.9459% | 1,283 |
| Cash dividends to net income (ytd only)* | 6.7364% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2032% | 1,650 |
| Loan loss allowance to noncurrent loans | 107.5731% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 2.1090% | 3,260 |
| Noncurrent loans to loans | 2.0481% | 3,591 |
| Net loans and leases to total assets | 71.2845% | 2,929 |
| Net loans and leases to deposits | 94.7709% | 1,492 |
| Net loans and leases to core deposits | 124.6632% | 1,595 |
| Total domestic deposits to total assets | 75.2177% | 6,827 |
| Equity capital to assets | 12.0494% | 2,005 |
| Core capital (leverage) ratio | 10.2080% | 2,875 |
| Tier 1 risk-based capital ratio | 12.2115% | 4,756 |
| Total risk-based capital ratio | 13.4704% | 4,716 |
| Memoranda: | ||
| Average total assets | $2,625,365,800 | 279 |
| Average earning assets | $2,331,515,800 | 290 |
| Average equity | $305,693,000 | 244 |
| Average total loans | $1,963,366,600 | 266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7244% | 3,214 |
| Cost of funding earning assets | 1.6792% | 5,006 |
| Net interest margin | 4.0452% | 2,617 |
| Noninterest income to average assets | 1.0992% | 1,316 |
| Noninterest expense to average assets | 2.5869% | 5,758 |
| Loan and lease loss provision to assets | 0.3725% | 4,094 |
| Net operating income to assets | 1.1692% | 1,543 |
| Return on assets (ROA) | 1.1691% | 1,599 |
| Pretax return on assets | 1.7333% | 907 |
| Return on Equity (ROE) | 10.1312% | 1,868 |
| Retained earnings to average equity (ytd only) | 9.1942% | 794 |
| Net charge-offs to loans | 0.4388% | 3,487 |
| Credit loss provision to net charge-offs | 112.7761% | 4,504 |
| Earnings coverage of net charge-offs (x) | 6.3757% | 2,620 |
| Efficiency ratio | 53.6503% | 7,272 |
| Assets per employee ($millions) | 5.7376% | 1,395 |
| Cash dividends to net income (ytd only)* | 9.2488% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 1,616 |
| Loan loss allowance to noncurrent loans | 119.3697% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 2.0455% | 3,292 |
| Noncurrent loans to loans | 1.7515% | 3,991 |
| Net loans and leases to total assets | 73.5994% | 2,646 |
| Net loans and leases to deposits | 99.1143% | 1,202 |
| Net loans and leases to core deposits | 130.7276% | 1,387 |
| Total domestic deposits to total assets | 74.2572% | 6,905 |
| Equity capital to assets | 12.0223% | 2,229 |
| Core capital (leverage) ratio | 10.2384% | 3,029 |
| Tier 1 risk-based capital ratio | 11.6395% | 5,295 |
| Total risk-based capital ratio | 12.8966% | 5,231 |
| Memoranda: | ||
| Average total assets | $2,612,797,000 | 292 |
| Average earning assets | $2,321,190,000 | 303 |
| Average equity | $301,516,250 | 259 |
| Average total loans | $1,966,637,000 | 278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 3,448 |
| Cost of funding earning assets | 1.7456% | 5,041 |
| Net interest margin | 3.9711% | 2,825 |
| Noninterest income to average assets | 1.1567% | 1,165 |
| Noninterest expense to average assets | 2.7209% | 5,303 |
| Loan and lease loss provision to assets | 0.2874% | 4,278 |
| Net operating income to assets | 1.1315% | 1,661 |
| Return on assets (ROA) | 1.1313% | 1,740 |
| Pretax return on assets | 1.6764% | 1,059 |
| Return on Equity (ROE) | 9.9426% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.9426% | 747 |
| Net charge-offs to loans | 0.2370% | 4,016 |
| Credit loss provision to net charge-offs | 161.0133% | 2,851 |
| Earnings coverage of net charge-offs (x) | 11.0034% | 1,943 |
| Efficiency ratio | 56.6014% | 7,037 |
| Assets per employee ($millions) | 5.2246% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 1,357 |
| Loan loss allowance to noncurrent loans | 119.3991% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 2.0469% | 3,132 |
| Noncurrent loans to loans | 1.7748% | 3,842 |
| Net loans and leases to total assets | 75.1174% | 2,414 |
| Net loans and leases to deposits | 101.3473% | 1,134 |
| Net loans and leases to core deposits | 138.0869% | 1,103 |
| Total domestic deposits to total assets | 74.1188% | 6,938 |
| Equity capital to assets | 11.9006% | 2,260 |
| Core capital (leverage) ratio | 9.9214% | 3,381 |
| Tier 1 risk-based capital ratio | 11.3564% | 5,548 |
| Total risk-based capital ratio | 12.6143% | 5,442 |
| Memoranda: | ||
| Average total assets | $2,609,706,000 | 300 |
| Average earning assets | $2,318,657,670 | 311 |
| Average equity | $296,943,670 | 263 |
| Average total loans | $1,965,169,670 | 288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8368% | 3,108 |
| Cost of funding earning assets | 2.0615% | 3,821 |
| Net interest margin | 3.7753% | 3,560 |
| Noninterest income to average assets | 1.1981% | 1,009 |
| Noninterest expense to average assets | 2.7103% | 4,951 |
| Loan and lease loss provision to assets | 0.2445% | 4,023 |
| Net operating income to assets | 1.0829% | 2,022 |
| Return on assets (ROA) | 1.0829% | 2,150 |
| Pretax return on assets | 1.5643% | 1,496 |
| Return on Equity (ROE) | 9.7199% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.7199% | 1,270 |
| Net charge-offs to loans | 0.1369% | 3,865 |
| Credit loss provision to net charge-offs | 241.5459% | 1,931 |
| Earnings coverage of net charge-offs (x) | 17.8696% | 1,485 |
| Efficiency ratio | 58.2968% | 6,652 |
| Assets per employee ($millions) | 4.7261% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2793% | 971 |
| Loan loss allowance to noncurrent loans | 139.7632% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.9946% | 2,915 |
| Noncurrent loans to loans | 1.6308% | 3,830 |
| Net loans and leases to total assets | 72.2071% | 3,199 |
| Net loans and leases to deposits | 99.6605% | 1,457 |
| Net loans and leases to core deposits | 136.7281% | 1,260 |
| Total domestic deposits to total assets | 72.4531% | 7,141 |
| Equity capital to assets | 11.2502% | 2,766 |
| Core capital (leverage) ratio | 9.1593% | 4,465 |
| Tier 1 risk-based capital ratio | 10.8053% | 6,087 |
| Total risk-based capital ratio | 12.0647% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,635,969,000 | 447 |
| Average earning assets | $1,439,152,500 | 463 |
| Average equity | $182,265,500 | 391 |
| Average total loans | $1,209,491,000 | 442 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5564% | 2,691 |
| Cost of funding earning assets | 2.7939% | 2,733 |
| Net interest margin | 3.7625% | 4,169 |
| Noninterest income to average assets | 0.8658% | 2,133 |
| Noninterest expense to average assets | 2.6419% | 5,477 |
| Loan and lease loss provision to assets | 1.8138% | 697 |
| Net operating income to assets | -0.0249% | 6,407 |
| Return on assets (ROA) | -0.0249% | 6,263 |
| Pretax return on assets | -0.2083% | 6,378 |
| Return on Equity (ROE) | -0.2646% | 6,266 |
| Retained earnings to average equity (ytd only) | -3.0805% | 6,131 |
| Net charge-offs to loans | 1.7779% | 618 |
| Credit loss provision to net charge-offs | 129.6343% | 4,106 |
| Earnings coverage of net charge-offs (x) | 1.1475% | 5,550 |
| Efficiency ratio | 61.7036% | 6,010 |
| Assets per employee ($millions) | 5.5181% | 1,445 |
| Cash dividends to net income (ytd only)* | -1,064.0316% | 8,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1958% | 953 |
| Loan loss allowance to noncurrent loans | 92.2961% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 2.4832% | 1,960 |
| Noncurrent loans to loans | 2.3791% | 2,312 |
| Net loans and leases to total assets | 77.6770% | 2,225 |
| Net loans and leases to deposits | 104.8564% | 1,255 |
| Net loans and leases to core deposits | 139.8072% | 1,279 |
| Total domestic deposits to total assets | 74.0794% | 6,645 |
| Equity capital to assets | 9.1136% | 5,204 |
| Core capital (leverage) ratio | 8.6845% | 5,222 |
| Tier 1 risk-based capital ratio | 10.0226% | 6,711 |
| Total risk-based capital ratio | 11.2817% | 6,579 |
| Memoranda: | ||
| Average total assets | $1,014,394,000 | 653 |
| Average earning assets | $911,689,400 | 653 |
| Average equity | $95,600,000 | 698 |
| Average total loans | $798,319,000 | 594 |