Home > First Commonwealth Bank > Performance and Condition Ratios
First Commonwealth 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 | 5.3415% | 1,409 |
| Cost of funding earning assets | 1.4184% | 2,180 |
| Net interest margin | 3.9231% | 1,331 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.4025% | 2,586 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5003% | 1,019 |
| Return on assets (ROA) | 1.4995% | 992 |
| Pretax return on assets | 1.8869% | 788 |
| Return on Equity (ROE) | 13.7300% | 1,550 |
| Retained earnings to average equity (ytd only) | 4.7752% | 2,681 |
| Net charge-offs to loans | 0.3500% | 309 |
| Credit loss provision to net charge-offs | 58.8982% | 2,154 |
| Earnings coverage of net charge-offs (x) | 7.3727% | 2,418 |
| Efficiency ratio | 53.4437% | 3,720 |
| Assets per employee ($millions) | 7.7357% | 1,568 |
| Cash dividends to net income (ytd only)* | 65.2327% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 1,724 |
| Loan loss allowance to noncurrent loans | 240.6927% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 1,287 |
| Noncurrent loans to loans | 0.5435% | 1,439 |
| Net loans and leases to total assets | 77.8300% | 882 |
| Net loans and leases to deposits | 96.0231% | 786 |
| Net loans and leases to core deposits | 99.1177% | 1,480 |
| Total domestic deposits to total assets | 81.0600% | 3,297 |
| Equity capital to assets | 11.2598% | 1,387 |
| Core capital (leverage) ratio | 9.2354% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0078% | 2,243 |
| Memoranda: | ||
| Average total assets | $10,990,664,800 | 150 |
| Average earning assets | $9,916,975,200 | 149 |
| Average equity | $1,199,958,000 | 147 |
| Average total loans | $8,614,309,000 | 139 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 1,377 |
| Cost of funding earning assets | 1.2648% | 2,239 |
| Net interest margin | 3.9741% | 1,262 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.4484% | 2,376 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.4505% | 1,221 |
| Return on assets (ROA) | 1.4495% | 1,204 |
| Pretax return on assets | 1.8196% | 983 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.8602% | 3,297 |
| Net charge-offs to loans | 0.2162% | 407 |
| Credit loss provision to net charge-offs | 130.5922% | 1,415 |
| Earnings coverage of net charge-offs (x) | 11.9692% | 2,083 |
| Efficiency ratio | 53.8859% | 3,599 |
| Assets per employee ($millions) | 7.6925% | 1,509 |
| Cash dividends to net income (ytd only)* | 71.1613% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,106 |
| Loan loss allowance to noncurrent loans | 266.4994% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 1,295 |
| Noncurrent loans to loans | 0.5642% | 1,424 |
| Net loans and leases to total assets | 77.2500% | 967 |
| Net loans and leases to deposits | 94.7097% | 846 |
| Net loans and leases to core deposits | 97.3926% | 1,479 |
| Total domestic deposits to total assets | 81.5600% | 3,302 |
| Equity capital to assets | 10.6926% | 1,475 |
| Core capital (leverage) ratio | 9.1238% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9251% | 2,288 |
| Memoranda: | ||
| Average total assets | $10,885,781,000 | 152 |
| Average earning assets | $9,812,210,750 | 149 |
| Average equity | $1,178,756,000 | 151 |
| Average total loans | $8,518,242,250 | 140 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 1,398 |
| Cost of funding earning assets | 1.0736% | 2,368 |
| Net interest margin | 4.0116% | 1,220 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.4933% | 2,225 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.4453% | 1,227 |
| Return on assets (ROA) | 1.4453% | 1,212 |
| Pretax return on assets | 1.8133% | 987 |
| Return on Equity (ROE) | 13.2900% | 1,838 |
| Retained earnings to average equity (ytd only) | 2.3546% | 3,629 |
| Net charge-offs to loans | 0.2348% | 350 |
| Credit loss provision to net charge-offs | 134.9156% | 1,264 |
| Earnings coverage of net charge-offs (x) | 10.9735% | 1,978 |
| Efficiency ratio | 54.4753% | 3,572 |
| Assets per employee ($millions) | 7.6121% | 1,536 |
| Cash dividends to net income (ytd only)* | 82.2799% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,134 |
| Loan loss allowance to noncurrent loans | 264.5366% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 1,189 |
| Noncurrent loans to loans | 0.5726% | 1,308 |
| Net loans and leases to total assets | 76.9100% | 956 |
| Net loans and leases to deposits | 94.4574% | 821 |
| Net loans and leases to core deposits | 96.6138% | 1,432 |
| Total domestic deposits to total assets | 81.4300% | 3,354 |
| Equity capital to assets | 10.7457% | 1,493 |
| Core capital (leverage) ratio | 9.0648% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8157% | 2,365 |
| Memoranda: | ||
| Average total assets | $10,716,847,667 | 150 |
| Average earning assets | $9,664,470,667 | 146 |
| Average equity | $1,165,620,333 | 151 |
| Average total loans | $8,379,374,000 | 136 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 1,465 |
| Cost of funding earning assets | 0.8230% | 2,640 |
| Net interest margin | 4.0474% | 1,184 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.6346% | 1,861 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.2682% | 1,757 |
| Return on assets (ROA) | 1.2682% | 1,723 |
| Pretax return on assets | 1.5832% | 1,506 |
| Return on Equity (ROE) | 11.5800% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.8026% | 2,822 |
| Net charge-offs to loans | 0.0575% | 797 |
| Credit loss provision to net charge-offs | 858.7383% | 396 |
| Earnings coverage of net charge-offs (x) | 42.0188% | 1,174 |
| Efficiency ratio | 57.4417% | 3,252 |
| Assets per employee ($millions) | 7.2167% | 1,807 |
| Cash dividends to net income (ytd only)* | 49.9108% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,137 |
| Loan loss allowance to noncurrent loans | 293.1318% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,239 |
| Noncurrent loans to loans | 0.5269% | 1,406 |
| Net loans and leases to total assets | 76.9900% | 874 |
| Net loans and leases to deposits | 92.0491% | 915 |
| Net loans and leases to core deposits | 94.0504% | 1,391 |
| Total domestic deposits to total assets | 83.6400% | 3,167 |
| Equity capital to assets | 11.0998% | 1,305 |
| Core capital (leverage) ratio | 9.6905% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2299% | 2,290 |
| Memoranda: | ||
| Average total assets | $10,430,922,000 | 155 |
| Average earning assets | $9,406,179,000 | 153 |
| Average equity | $1,141,907,500 | 156 |
| Average total loans | $8,160,996,000 | 142 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 2,260 |
| Cost of funding earning assets | 0.1671% | 4,015 |
| Net interest margin | 3.6385% | 1,526 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 2.3546% | 2,569 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.3990% | 1,135 |
| Return on assets (ROA) | 1.3990% | 1,094 |
| Pretax return on assets | 1.7496% | 816 |
| Return on Equity (ROE) | 12.5200% | 1,968 |
| Retained earnings to average equity (ytd only) | 3.9381% | 3,419 |
| Net charge-offs to loans | 0.0992% | 737 |
| Credit loss provision to net charge-offs | 245.4953% | 1,006 |
| Earnings coverage of net charge-offs (x) | 26.4743% | 1,754 |
| Efficiency ratio | 53.8482% | 3,807 |
| Assets per employee ($millions) | 6.8659% | 2,070 |
| Cash dividends to net income (ytd only)* | 68.5463% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,709 |
| Loan loss allowance to noncurrent loans | 331.5698% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 1,568 |
| Noncurrent loans to loans | 0.4055% | 1,710 |
| Net loans and leases to total assets | 77.2300% | 870 |
| Net loans and leases to deposits | 93.9261% | 791 |
| Net loans and leases to core deposits | 94.6971% | 1,264 |
| Total domestic deposits to total assets | 82.2300% | 3,581 |
| Equity capital to assets | 10.7745% | 1,346 |
| Core capital (leverage) ratio | 9.5784% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6495% | 2,107 |
| Memoranda: | ||
| Average total assets | $9,593,089,600 | 165 |
| Average earning assets | $8,667,357,800 | 162 |
| Average equity | $1,071,932,000 | 161 |
| Average total loans | $7,193,951,800 | 154 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 2,320 |
| Cost of funding earning assets | 0.1090% | 4,208 |
| Net interest margin | 3.4985% | 1,665 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.3536% | 2,459 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.3537% | 1,207 |
| Return on assets (ROA) | 1.3538% | 1,183 |
| Pretax return on assets | 1.6897% | 920 |
| Return on Equity (ROE) | 12.0100% | 2,030 |
| Retained earnings to average equity (ytd only) | 2.9213% | 3,793 |
| Net charge-offs to loans | 0.0965% | 636 |
| Credit loss provision to net charge-offs | 169.7053% | 1,062 |
| Earnings coverage of net charge-offs (x) | 25.9559% | 1,594 |
| Efficiency ratio | 55.2615% | 3,691 |
| Assets per employee ($millions) | 6.7161% | 2,152 |
| Cash dividends to net income (ytd only)* | 75.6664% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,003 |
| Loan loss allowance to noncurrent loans | 309.7376% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 1,624 |
| Noncurrent loans to loans | 0.4214% | 1,757 |
| Net loans and leases to total assets | 76.0900% | 903 |
| Net loans and leases to deposits | 89.6564% | 913 |
| Net loans and leases to core deposits | 90.1670% | 1,286 |
| Total domestic deposits to total assets | 84.8700% | 3,314 |
| Equity capital to assets | 10.7848% | 1,258 |
| Core capital (leverage) ratio | 9.5415% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8244% | 2,122 |
| Memoranda: | ||
| Average total assets | $9,547,112,250 | 166 |
| Average earning assets | $8,634,300,250 | 164 |
| Average equity | $1,076,560,500 | 161 |
| Average total loans | $7,078,938,750 | 155 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4223% | 2,366 |
| Cost of funding earning assets | 0.1050% | 4,139 |
| Net interest margin | 3.3172% | 1,860 |
| Noninterest income to average assets | 1.0217% | 634 |
| Noninterest expense to average assets | 2.2954% | 2,564 |
| Loan and lease loss provision to assets | 0.1270% | 769 |
| Net operating income to assets | 1.2864% | 1,177 |
| Return on assets (ROA) | 1.2865% | 1,160 |
| Pretax return on assets | 1.6040% | 927 |
| Return on Equity (ROE) | 11.2451% | 1,908 |
| Retained earnings to average equity (ytd only) | 1.0677% | 3,982 |
| Net charge-offs to loans | 0.0762% | 706 |
| Credit loss provision to net charge-offs | 140.6086% | 1,117 |
| Earnings coverage of net charge-offs (x) | 31.0361% | 1,374 |
| Efficiency ratio | 56.3361% | 3,744 |
| Assets per employee ($millions) | 6.7421% | 2,126 |
| Cash dividends to net income (ytd only)* | 90.5053% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,130 |
| Loan loss allowance to noncurrent loans | 288.5152% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 1,633 |
| Noncurrent loans to loans | 0.4549% | 1,756 |
| Net loans and leases to total assets | 74.0983% | 911 |
| Net loans and leases to deposits | 87.1160% | 899 |
| Net loans and leases to core deposits | 87.6177% | 1,241 |
| Total domestic deposits to total assets | 85.0571% | 3,474 |
| Equity capital to assets | 11.1482% | 1,152 |
| Core capital (leverage) ratio | 9.2566% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9773% | 2,070 |
| Memoranda: | ||
| Average total assets | $9,546,038,000 | 166 |
| Average earning assets | $8,646,351,667 | 165 |
| Average equity | $1,092,084,333 | 161 |
| Average total loans | $6,984,345,000 | 155 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 2,443 |
| Cost of funding earning assets | 0.1051% | 4,068 |
| Net interest margin | 3.1759% | 1,954 |
| Noninterest income to average assets | 1.0007% | 675 |
| Noninterest expense to average assets | 2.2845% | 2,562 |
| Loan and lease loss provision to assets | 0.0821% | 998 |
| Net operating income to assets | 1.2190% | 1,206 |
| Return on assets (ROA) | 1.2190% | 1,189 |
| Pretax return on assets | 1.5166% | 985 |
| Return on Equity (ROE) | 10.5224% | 1,792 |
| Retained earnings to average equity (ytd only) | -3.7279% | 4,355 |
| Net charge-offs to loans | 0.0656% | 669 |
| Credit loss provision to net charge-offs | -17.6367% | 2,769 |
| Earnings coverage of net charge-offs (x) | 33.7240% | 1,079 |
| Efficiency ratio | 58.1194% | 3,668 |
| Assets per employee ($millions) | 6.7157% | 2,210 |
| Cash dividends to net income (ytd only)* | 135.4285% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,310 |
| Loan loss allowance to noncurrent loans | 280.5698% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 1,730 |
| Noncurrent loans to loans | 0.4668% | 1,856 |
| Net loans and leases to total assets | 71.4520% | 879 |
| Net loans and leases to deposits | 83.6779% | 899 |
| Net loans and leases to core deposits | 84.1892% | 1,232 |
| Total domestic deposits to total assets | 85.3894% | 3,444 |
| Equity capital to assets | 11.1527% | 1,262 |
| Core capital (leverage) ratio | 9.2001% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9864% | 2,207 |
| Memoranda: | ||
| Average total assets | $9,569,275,500 | 163 |
| Average earning assets | $8,684,988,000 | 163 |
| Average equity | $1,108,610,000 | 163 |
| Average total loans | $6,910,206,500 | 155 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4663% | 2,761 |
| Cost of funding earning assets | 0.1427% | 4,034 |
| Net interest margin | 3.3236% | 2,249 |
| Noninterest income to average assets | 1.1601% | 784 |
| Noninterest expense to average assets | 2.2548% | 2,929 |
| Loan and lease loss provision to assets | -0.0147% | 4,194 |
| Net operating income to assets | 1.5432% | 927 |
| Return on assets (ROA) | 1.5434% | 964 |
| Pretax return on assets | 1.9303% | 684 |
| Return on Equity (ROE) | 12.8523% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.4338% | 2,166 |
| Net charge-offs to loans | 0.1240% | 731 |
| Credit loss provision to net charge-offs | -4.4828% | 3,154 |
| Earnings coverage of net charge-offs (x) | 21.3152% | 1,825 |
| Efficiency ratio | 53.3147% | 3,999 |
| Assets per employee ($millions) | 6.6772% | 2,175 |
| Cash dividends to net income (ytd only)* | 49.9405% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,141 |
| Loan loss allowance to noncurrent loans | 186.2884% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 1,265 |
| Noncurrent loans to loans | 0.7242% | 1,403 |
| Net loans and leases to total assets | 71.0510% | 918 |
| Net loans and leases to deposits | 84.6678% | 870 |
| Net loans and leases to core deposits | 85.2186% | 1,246 |
| Total domestic deposits to total assets | 83.9174% | 3,585 |
| Equity capital to assets | 12.0218% | 1,242 |
| Core capital (leverage) ratio | 9.4273% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2562% | 2,143 |
| Memoranda: | ||
| Average total assets | $9,358,913,000 | 168 |
| Average earning assets | $8,476,190,000 | 167 |
| Average equity | $1,123,862,800 | 163 |
| Average total loans | $6,784,490,000 | 159 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 2,882 |
| Cost of funding earning assets | 0.1522% | 4,089 |
| Net interest margin | 3.3311% | 2,334 |
| Noninterest income to average assets | 1.1755% | 830 |
| Noninterest expense to average assets | 2.2380% | 2,935 |
| Loan and lease loss provision to assets | 0.0194% | 2,616 |
| Net operating income to assets | 1.5470% | 1,155 |
| Return on assets (ROA) | 1.5472% | 1,196 |
| Pretax return on assets | 1.9327% | 894 |
| Return on Equity (ROE) | 12.8875% | 1,729 |
| Retained earnings to average equity (ytd only) | 6.4559% | 2,632 |
| Net charge-offs to loans | 0.1867% | 450 |
| Credit loss provision to net charge-offs | 24.8047% | 1,973 |
| Earnings coverage of net charge-offs (x) | 14.3984% | 1,891 |
| Efficiency ratio | 52.6462% | 3,964 |
| Assets per employee ($millions) | 6.7046% | 2,093 |
| Cash dividends to net income (ytd only)* | 49.9057% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 2,046 |
| Loan loss allowance to noncurrent loans | 296.0768% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 2,070 |
| Noncurrent loans to loans | 0.4711% | 2,149 |
| Net loans and leases to total assets | 70.4825% | 1,036 |
| Net loans and leases to deposits | 83.7712% | 975 |
| Net loans and leases to core deposits | 84.3355% | 1,399 |
| Total domestic deposits to total assets | 84.1369% | 3,425 |
| Equity capital to assets | 12.0633% | 1,371 |
| Core capital (leverage) ratio | 9.2239% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4361% | 2,191 |
| Memoranda: | ||
| Average total assets | $9,318,211,000 | 169 |
| Average earning assets | $8,431,923,750 | 168 |
| Average equity | $1,118,658,750 | 162 |
| Average total loans | $6,766,161,500 | 160 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 2,927 |
| Cost of funding earning assets | 0.1641% | 4,095 |
| Net interest margin | 3.3197% | 2,383 |
| Noninterest income to average assets | 1.1752% | 831 |
| Noninterest expense to average assets | 2.2058% | 3,077 |
| Loan and lease loss provision to assets | 0.0221% | 2,532 |
| Net operating income to assets | 1.5611% | 1,144 |
| Return on assets (ROA) | 1.5614% | 1,205 |
| Pretax return on assets | 1.9496% | 921 |
| Return on Equity (ROE) | 13.0276% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.5287% | 2,611 |
| Net charge-offs to loans | 0.2126% | 404 |
| Credit loss provision to net charge-offs | 40.6558% | 1,654 |
| Earnings coverage of net charge-offs (x) | 12.7027% | 1,712 |
| Efficiency ratio | 52.0251% | 4,042 |
| Assets per employee ($millions) | 6.7366% | 1,995 |
| Cash dividends to net income (ytd only)* | 49.8861% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,830 |
| Loan loss allowance to noncurrent loans | 206.0124% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 1,648 |
| Noncurrent loans to loans | 0.6968% | 1,687 |
| Net loans and leases to total assets | 71.0546% | 1,075 |
| Net loans and leases to deposits | 84.2183% | 1,049 |
| Net loans and leases to core deposits | 84.8443% | 1,503 |
| Total domestic deposits to total assets | 84.3695% | 3,324 |
| Equity capital to assets | 12.0029% | 1,360 |
| Core capital (leverage) ratio | 9.0815% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5180% | 2,160 |
| Memoranda: | ||
| Average total assets | $9,275,363,333 | 167 |
| Average earning assets | $8,387,226,667 | 169 |
| Average equity | $1,111,683,000 | 160 |
| Average total loans | $6,770,717,000 | 161 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 2,775 |
| Cost of funding earning assets | 0.1838% | 4,052 |
| Net interest margin | 3.3713% | 2,185 |
| Noninterest income to average assets | 1.2151% | 837 |
| Noninterest expense to average assets | 2.2297% | 3,009 |
| Loan and lease loss provision to assets | -0.1904% | 4,804 |
| Net operating income to assets | 1.7892% | 804 |
| Return on assets (ROA) | 1.7894% | 858 |
| Pretax return on assets | 2.2212% | 667 |
| Return on Equity (ROE) | 14.9410% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.4946% | 2,413 |
| Net charge-offs to loans | 0.1930% | 422 |
| Credit loss provision to net charge-offs | -39.0214% | 2,740 |
| Earnings coverage of net charge-offs (x) | 14.3202% | 1,367 |
| Efficiency ratio | 51.5507% | 4,043 |
| Assets per employee ($millions) | 6.7724% | 1,958 |
| Cash dividends to net income (ytd only)* | 49.8388% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,835 |
| Loan loss allowance to noncurrent loans | 216.1674% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 1,932 |
| Noncurrent loans to loans | 0.6624% | 1,918 |
| Net loans and leases to total assets | 70.9096% | 1,168 |
| Net loans and leases to deposits | 84.4408% | 1,100 |
| Net loans and leases to core deposits | 85.2315% | 1,573 |
| Total domestic deposits to total assets | 83.9755% | 3,443 |
| Equity capital to assets | 11.8049% | 1,388 |
| Core capital (leverage) ratio | 9.2317% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6387% | 2,026 |
| Memoranda: | ||
| Average total assets | $9,224,382,000 | 168 |
| Average earning assets | $8,332,198,500 | 167 |
| Average equity | $1,104,748,500 | 162 |
| Average total loans | $6,776,048,000 | 161 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 3,372 |
| Cost of funding earning assets | 0.3725% | 3,753 |
| Net interest margin | 3.4037% | 2,767 |
| Noninterest income to average assets | 1.0575% | 948 |
| Noninterest expense to average assets | 2.3719% | 3,197 |
| Loan and lease loss provision to assets | 0.6381% | 289 |
| Net operating income to assets | 0.8947% | 2,723 |
| Return on assets (ROA) | 0.8953% | 2,854 |
| Pretax return on assets | 1.1024% | 2,684 |
| Return on Equity (ROE) | 7.2402% | 3,098 |
| Retained earnings to average equity (ytd only) | 1.6341% | 3,980 |
| Net charge-offs to loans | 0.2583% | 671 |
| Credit loss provision to net charge-offs | 329.8901% | 1,641 |
| Earnings coverage of net charge-offs (x) | 8.9940% | 2,551 |
| Efficiency ratio | 56.7582% | 3,889 |
| Assets per employee ($millions) | 6.4775% | 1,939 |
| Cash dividends to net income (ytd only)* | 77.4297% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,615 |
| Loan loss allowance to noncurrent loans | 215.1985% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 1,964 |
| Noncurrent loans to loans | 0.6929% | 1,955 |
| Net loans and leases to total assets | 73.9141% | 1,030 |
| Net loans and leases to deposits | 89.6108% | 953 |
| Net loans and leases to core deposits | 90.7148% | 1,473 |
| Total domestic deposits to total assets | 82.4835% | 3,542 |
| Equity capital to assets | 12.1543% | 1,495 |
| Core capital (leverage) ratio | 9.0141% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3571% | 2,099 |
| Memoranda: | ||
| Average total assets | $8,888,073,400 | 164 |
| Average earning assets | $7,975,662,600 | 164 |
| Average equity | $1,099,118,200 | 157 |
| Average total loans | $6,655,924,600 | 157 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 3,480 |
| Cost of funding earning assets | 0.4151% | 3,729 |
| Net interest margin | 3.4138% | 2,875 |
| Noninterest income to average assets | 1.0144% | 1,002 |
| Noninterest expense to average assets | 2.3710% | 3,216 |
| Loan and lease loss provision to assets | 0.7391% | 271 |
| Net operating income to assets | 0.7889% | 3,131 |
| Return on assets (ROA) | 0.7895% | 3,249 |
| Pretax return on assets | 0.9672% | 3,170 |
| Return on Equity (ROE) | 6.3562% | 3,423 |
| Retained earnings to average equity (ytd only) | 2.4382% | 3,766 |
| Net charge-offs to loans | 0.2491% | 615 |
| Credit loss provision to net charge-offs | 396.4909% | 1,466 |
| Earnings coverage of net charge-offs (x) | 9.1497% | 2,448 |
| Efficiency ratio | 57.2048% | 3,771 |
| Assets per employee ($millions) | 6.6223% | 1,735 |
| Cash dividends to net income (ytd only)* | 61.6399% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,329 |
| Loan loss allowance to noncurrent loans | 201.1595% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 2,254 |
| Noncurrent loans to loans | 0.6282% | 2,225 |
| Net loans and leases to total assets | 74.4710% | 1,315 |
| Net loans and leases to deposits | 89.3925% | 1,333 |
| Net loans and leases to core deposits | 90.7041% | 1,910 |
| Total domestic deposits to total assets | 83.3078% | 3,058 |
| Equity capital to assets | 12.0478% | 1,645 |
| Core capital (leverage) ratio | 8.6811% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1113% | 2,149 |
| Memoranda: | ||
| Average total assets | $8,846,215,000 | 162 |
| Average earning assets | $7,935,224,750 | 162 |
| Average equity | $1,098,739,000 | 157 |
| Average total loans | $6,621,253,750 | 159 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 3,436 |
| Cost of funding earning assets | 0.4692% | 3,708 |
| Net interest margin | 3.4892% | 2,825 |
| Noninterest income to average assets | 0.9547% | 1,066 |
| Noninterest expense to average assets | 2.3257% | 3,456 |
| Loan and lease loss provision to assets | 0.8689% | 260 |
| Net operating income to assets | 0.7261% | 3,297 |
| Return on assets (ROA) | 0.7267% | 3,402 |
| Pretax return on assets | 0.8849% | 3,352 |
| Return on Equity (ROE) | 5.7889% | 3,583 |
| Retained earnings to average equity (ytd only) | 1.8276% | 3,817 |
| Net charge-offs to loans | 0.2469% | 638 |
| Credit loss provision to net charge-offs | 471.5283% | 1,279 |
| Earnings coverage of net charge-offs (x) | 9.5140% | 2,215 |
| Efficiency ratio | 56.0378% | 3,938 |
| Assets per employee ($millions) | 6.3754% | 1,881 |
| Cash dividends to net income (ytd only)* | 68.4295% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,658 |
| Loan loss allowance to noncurrent loans | 162.9178% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,154 |
| Noncurrent loans to loans | 0.7190% | 2,080 |
| Net loans and leases to total assets | 73.5656% | 1,466 |
| Net loans and leases to deposits | 88.0829% | 1,549 |
| Net loans and leases to core deposits | 89.4878% | 2,113 |
| Total domestic deposits to total assets | 83.5186% | 2,922 |
| Equity capital to assets | 11.8699% | 1,744 |
| Core capital (leverage) ratio | 8.8958% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9221% | 2,212 |
| Memoranda: | ||
| Average total assets | $8,706,773,000 | 163 |
| Average earning assets | $7,795,720,667 | 163 |
| Average equity | $1,092,927,333 | 157 |
| Average total loans | $6,499,104,000 | 160 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,098 |
| Cost of funding earning assets | 0.5768% | 3,553 |
| Net interest margin | 3.6611% | 2,469 |
| Noninterest income to average assets | 0.9303% | 995 |
| Noninterest expense to average assets | 2.3530% | 3,641 |
| Loan and lease loss provision to assets | 1.4763% | 105 |
| Net operating income to assets | 0.2988% | 4,348 |
| Return on assets (ROA) | 0.2995% | 4,368 |
| Pretax return on assets | 0.3686% | 4,355 |
| Return on Equity (ROE) | 2.3162% | 4,382 |
| Retained earnings to average equity (ytd only) | -0.9883% | 4,136 |
| Net charge-offs to loans | 0.2250% | 628 |
| Credit loss provision to net charge-offs | 877.5007% | 627 |
| Earnings coverage of net charge-offs (x) | 10.9603% | 1,744 |
| Efficiency ratio | 55.0588% | 4,304 |
| Assets per employee ($millions) | 5.6238% | 1,999 |
| Cash dividends to net income (ytd only)* | 142.6707% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,410 |
| Loan loss allowance to noncurrent loans | 149.0350% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 2,034 |
| Noncurrent loans to loans | 0.8369% | 1,938 |
| Net loans and leases to total assets | 73.7244% | 1,656 |
| Net loans and leases to deposits | 90.1369% | 1,493 |
| Net loans and leases to core deposits | 91.9627% | 2,161 |
| Total domestic deposits to total assets | 81.7916% | 3,472 |
| Equity capital to assets | 12.8524% | 1,523 |
| Core capital (leverage) ratio | 9.4880% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7063% | 2,389 |
| Memoranda: | ||
| Average total assets | $8,390,159,000 | 164 |
| Average earning assets | $7,486,346,000 | 164 |
| Average equity | $1,085,064,500 | 157 |
| Average total loans | $6,272,419,500 | 159 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,905 |
| Cost of funding earning assets | 0.7167% | 3,082 |
| Net interest margin | 3.7945% | 2,514 |
| Noninterest income to average assets | 1.0642% | 838 |
| Noninterest expense to average assets | 2.5566% | 3,298 |
| Loan and lease loss provision to assets | 0.1806% | 1,149 |
| Net operating income to assets | 1.3879% | 1,380 |
| Return on assets (ROA) | 1.3881% | 1,459 |
| Pretax return on assets | 1.7266% | 1,118 |
| Return on Equity (ROE) | 10.6849% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.3433% | 2,253 |
| Net charge-offs to loans | 0.1776% | 1,136 |
| Credit loss provision to net charge-offs | 136.3321% | 1,884 |
| Earnings coverage of net charge-offs (x) | 14.3959% | 2,287 |
| Efficiency ratio | 56.3999% | 4,155 |
| Assets per employee ($millions) | 5.5852% | 1,991 |
| Cash dividends to net income (ytd only)* | 49.9924% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,210 |
| Loan loss allowance to noncurrent loans | 193.0499% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,010 |
| Noncurrent loans to loans | 0.4311% | 2,902 |
| Net loans and leases to total assets | 74.2425% | 1,714 |
| Net loans and leases to deposits | 91.8409% | 1,385 |
| Net loans and leases to core deposits | 93.8556% | 2,077 |
| Total domestic deposits to total assets | 80.8382% | 3,802 |
| Equity capital to assets | 13.0148% | 1,510 |
| Core capital (leverage) ratio | 9.6635% | 3,886 |
| Tier 1 risk-based capital ratio | 11.3584% | 4,704 |
| Total risk-based capital ratio | 13.6688% | 3,991 |
| Memoranda: | ||
| Average total assets | $8,047,782,600 | 160 |
| Average earning assets | $7,209,476,600 | 160 |
| Average equity | $1,045,483,200 | 158 |
| Average total loans | $6,002,146,400 | 157 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,901 |
| Cost of funding earning assets | 0.7496% | 2,968 |
| Net interest margin | 3.7983% | 2,605 |
| Noninterest income to average assets | 1.0516% | 834 |
| Noninterest expense to average assets | 2.5632% | 3,265 |
| Loan and lease loss provision to assets | 0.1609% | 1,161 |
| Net operating income to assets | 1.3927% | 1,496 |
| Return on assets (ROA) | 1.3929% | 1,560 |
| Pretax return on assets | 1.7322% | 1,242 |
| Return on Equity (ROE) | 10.7269% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.3688% | 2,693 |
| Net charge-offs to loans | 0.1650% | 1,024 |
| Credit loss provision to net charge-offs | 130.8267% | 1,816 |
| Earnings coverage of net charge-offs (x) | 15.3924% | 2,188 |
| Efficiency ratio | 56.6912% | 4,095 |
| Assets per employee ($millions) | 5.3820% | 2,144 |
| Cash dividends to net income (ytd only)* | 49.9503% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 4,362 |
| Loan loss allowance to noncurrent loans | 170.4480% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 2,982 |
| Noncurrent loans to loans | 0.4797% | 2,859 |
| Net loans and leases to total assets | 74.6387% | 1,695 |
| Net loans and leases to deposits | 90.5603% | 1,625 |
| Net loans and leases to core deposits | 92.6189% | 2,306 |
| Total domestic deposits to total assets | 82.4187% | 3,351 |
| Equity capital to assets | 13.1063% | 1,562 |
| Core capital (leverage) ratio | 9.6508% | 4,025 |
| Tier 1 risk-based capital ratio | 11.2477% | 4,798 |
| Total risk-based capital ratio | 13.5618% | 4,133 |
| Memoranda: | ||
| Average total assets | $7,987,636,500 | 161 |
| Average earning assets | $7,159,274,500 | 161 |
| Average equity | $1,037,176,250 | 161 |
| Average total loans | $5,951,402,000 | 158 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 2,896 |
| Cost of funding earning assets | 0.7581% | 2,858 |
| Net interest margin | 3.7775% | 2,659 |
| Noninterest income to average assets | 1.0202% | 843 |
| Noninterest expense to average assets | 2.5056% | 3,460 |
| Loan and lease loss provision to assets | 0.1746% | 1,032 |
| Net operating income to assets | 1.3906% | 1,458 |
| Return on assets (ROA) | 1.3907% | 1,514 |
| Pretax return on assets | 1.7315% | 1,212 |
| Return on Equity (ROE) | 10.7448% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.3835% | 2,582 |
| Net charge-offs to loans | 0.1233% | 1,208 |
| Credit loss provision to net charge-offs | 190.7514% | 1,261 |
| Earnings coverage of net charge-offs (x) | 20.8255% | 1,756 |
| Efficiency ratio | 55.9763% | 4,246 |
| Assets per employee ($millions) | 5.5997% | 1,872 |
| Cash dividends to net income (ytd only)* | 49.8968% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,271 |
| Loan loss allowance to noncurrent loans | 174.6571% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 2,953 |
| Noncurrent loans to loans | 0.4857% | 2,828 |
| Net loans and leases to total assets | 74.1157% | 1,868 |
| Net loans and leases to deposits | 96.5549% | 976 |
| Net loans and leases to core deposits | 98.9708% | 1,808 |
| Total domestic deposits to total assets | 76.7602% | 4,592 |
| Equity capital to assets | 13.0306% | 1,572 |
| Core capital (leverage) ratio | 9.9270% | 3,666 |
| Tier 1 risk-based capital ratio | 11.6642% | 4,600 |
| Total risk-based capital ratio | 14.0251% | 3,865 |
| Memoranda: | ||
| Average total assets | $7,939,434,000 | 163 |
| Average earning assets | $7,127,583,000 | 162 |
| Average equity | $1,027,622,670 | 161 |
| Average total loans | $5,895,257,330 | 159 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 2,901 |
| Cost of funding earning assets | 0.7388% | 2,843 |
| Net interest margin | 3.7529% | 2,699 |
| Noninterest income to average assets | 0.9798% | 856 |
| Noninterest expense to average assets | 2.4892% | 3,540 |
| Loan and lease loss provision to assets | 0.2078% | 763 |
| Net operating income to assets | 1.3326% | 1,587 |
| Return on assets (ROA) | 1.3326% | 1,625 |
| Pretax return on assets | 1.6570% | 1,317 |
| Return on Equity (ROE) | 10.3316% | 2,227 |
| Retained earnings to average equity (ytd only) | 5.1853% | 2,824 |
| Net charge-offs to loans | 0.1513% | 871 |
| Credit loss provision to net charge-offs | 185.6301% | 1,099 |
| Earnings coverage of net charge-offs (x) | 16.6596% | 1,691 |
| Efficiency ratio | 56.3159% | 4,290 |
| Assets per employee ($millions) | 5.6132% | 1,875 |
| Cash dividends to net income (ytd only)* | 49.8115% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,370 |
| Loan loss allowance to noncurrent loans | 209.7807% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,215 |
| Noncurrent loans to loans | 0.4025% | 3,145 |
| Net loans and leases to total assets | 73.3100% | 1,928 |
| Net loans and leases to deposits | 94.7387% | 1,083 |
| Net loans and leases to core deposits | 97.2743% | 1,834 |
| Total domestic deposits to total assets | 77.3812% | 4,610 |
| Equity capital to assets | 12.9119% | 1,506 |
| Core capital (leverage) ratio | 9.8545% | 3,759 |
| Tier 1 risk-based capital ratio | 11.6840% | 4,633 |
| Total risk-based capital ratio | 14.0651% | 3,870 |
| Memoranda: | ||
| Average total assets | $7,883,001,500 | 165 |
| Average earning assets | $7,087,554,500 | 163 |
| Average equity | $1,016,803,000 | 164 |
| Average total loans | $5,833,345,000 | 160 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 3,069 |
| Cost of funding earning assets | 0.5356% | 3,141 |
| Net interest margin | 3.7751% | 2,760 |
| Noninterest income to average assets | 1.0751% | 807 |
| Noninterest expense to average assets | 2.5510% | 3,465 |
| Loan and lease loss provision to assets | 0.1663% | 1,216 |
| Net operating income to assets | 1.4212% | 1,361 |
| Return on assets (ROA) | 1.5066% | 1,088 |
| Pretax return on assets | 1.8588% | 797 |
| Return on Equity (ROE) | 11.6833% | 1,828 |
| Retained earnings to average equity (ytd only) | 3.2727% | 3,769 |
| Net charge-offs to loans | 0.2340% | 833 |
| Credit loss provision to net charge-offs | 95.9127% | 2,629 |
| Earnings coverage of net charge-offs (x) | 11.0739% | 2,659 |
| Efficiency ratio | 56.1354% | 4,388 |
| Assets per employee ($millions) | 5.4783% | 1,977 |
| Cash dividends to net income (ytd only)* | 71.9880% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,449 |
| Loan loss allowance to noncurrent loans | 192.1938% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 3,076 |
| Noncurrent loans to loans | 0.4295% | 3,000 |
| Net loans and leases to total assets | 73.4536% | 2,017 |
| Net loans and leases to deposits | 96.9260% | 982 |
| Net loans and leases to core deposits | 99.3235% | 1,775 |
| Total domestic deposits to total assets | 75.7832% | 4,778 |
| Equity capital to assets | 12.8853% | 1,400 |
| Core capital (leverage) ratio | 9.8444% | 3,756 |
| Tier 1 risk-based capital ratio | 11.7283% | 4,609 |
| Total risk-based capital ratio | 14.1387% | 3,801 |
| Memoranda: | ||
| Average total assets | $7,537,109,400 | 168 |
| Average earning assets | $6,779,407,800 | 169 |
| Average equity | $971,941,600 | 164 |
| Average total loans | $5,583,489,200 | 163 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 3,129 |
| Cost of funding earning assets | 0.4847% | 3,297 |
| Net interest margin | 3.7714% | 2,748 |
| Noninterest income to average assets | 1.0759% | 816 |
| Noninterest expense to average assets | 2.5530% | 3,433 |
| Loan and lease loss provision to assets | 0.1970% | 889 |
| Net operating income to assets | 1.3977% | 1,502 |
| Return on assets (ROA) | 1.5127% | 1,159 |
| Pretax return on assets | 1.8580% | 887 |
| Return on Equity (ROE) | 11.7277% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.8610% | 2,725 |
| Net charge-offs to loans | 0.2069% | 820 |
| Credit loss provision to net charge-offs | 128.5182% | 1,910 |
| Earnings coverage of net charge-offs (x) | 12.4836% | 2,447 |
| Efficiency ratio | 56.2225% | 4,361 |
| Assets per employee ($millions) | 5.4109% | 2,006 |
| Cash dividends to net income (ytd only)* | 50.0248% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,286 |
| Loan loss allowance to noncurrent loans | 151.7342% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 2,745 |
| Noncurrent loans to loans | 0.5897% | 2,609 |
| Net loans and leases to total assets | 73.3024% | 2,114 |
| Net loans and leases to deposits | 95.0670% | 1,266 |
| Net loans and leases to core deposits | 97.2454% | 1,992 |
| Total domestic deposits to total assets | 77.1061% | 4,627 |
| Equity capital to assets | 13.1446% | 1,274 |
| Core capital (leverage) ratio | 10.0753% | 3,553 |
| Tier 1 risk-based capital ratio | 12.1118% | 4,438 |
| Total risk-based capital ratio | 14.6211% | 3,622 |
| Memoranda: | ||
| Average total assets | $7,468,371,000 | 168 |
| Average earning assets | $6,713,297,000 | 169 |
| Average equity | $963,275,750 | 163 |
| Average total loans | $5,532,860,000 | 161 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,139 |
| Cost of funding earning assets | 0.4304% | 3,494 |
| Net interest margin | 3.7623% | 2,703 |
| Noninterest income to average assets | 1.0897% | 812 |
| Noninterest expense to average assets | 2.5458% | 3,497 |
| Loan and lease loss provision to assets | 0.2181% | 754 |
| Net operating income to assets | 1.3935% | 1,467 |
| Return on assets (ROA) | 1.5697% | 996 |
| Pretax return on assets | 1.9212% | 734 |
| Return on Equity (ROE) | 12.2506% | 1,641 |
| Retained earnings to average equity (ytd only) | 6.1245% | 2,487 |
| Net charge-offs to loans | 0.1843% | 854 |
| Credit loss provision to net charge-offs | 159.6637% | 1,514 |
| Earnings coverage of net charge-offs (x) | 14.0904% | 2,116 |
| Efficiency ratio | 56.0037% | 4,478 |
| Assets per employee ($millions) | 5.3062% | 2,097 |
| Cash dividends to net income (ytd only)* | 50.0069% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,305 |
| Loan loss allowance to noncurrent loans | 140.8719% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 2,657 |
| Noncurrent loans to loans | 0.6450% | 2,502 |
| Net loans and leases to total assets | 73.3364% | 2,067 |
| Net loans and leases to deposits | 94.4452% | 1,306 |
| Net loans and leases to core deposits | 96.5951% | 2,007 |
| Total domestic deposits to total assets | 77.6497% | 4,642 |
| Equity capital to assets | 13.0901% | 1,260 |
| Core capital (leverage) ratio | 10.0809% | 3,497 |
| Tier 1 risk-based capital ratio | 11.8732% | 4,571 |
| Total risk-based capital ratio | 14.3909% | 3,739 |
| Memoranda: | ||
| Average total assets | $7,402,066,000 | 169 |
| Average earning assets | $6,651,116,000 | 167 |
| Average equity | $948,423,670 | 163 |
| Average total loans | $5,486,795,330 | 162 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,379 |
| Cost of funding earning assets | 0.3655% | 3,869 |
| Net interest margin | 3.6944% | 2,823 |
| Noninterest income to average assets | 1.0654% | 810 |
| Noninterest expense to average assets | 2.5317% | 3,554 |
| Loan and lease loss provision to assets | 0.3789% | 309 |
| Net operating income to assets | 1.2251% | 1,909 |
| Return on assets (ROA) | 1.3545% | 1,478 |
| Pretax return on assets | 1.6317% | 1,292 |
| Return on Equity (ROE) | 10.6921% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.3478% | 3,016 |
| Net charge-offs to loans | 0.1087% | 1,123 |
| Credit loss provision to net charge-offs | 469.9115% | 625 |
| Earnings coverage of net charge-offs (x) | 23.0034% | 1,388 |
| Efficiency ratio | 56.7362% | 4,491 |
| Assets per employee ($millions) | 5.3435% | 2,098 |
| Cash dividends to net income (ytd only)* | 49.9838% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,987 |
| Loan loss allowance to noncurrent loans | 132.6552% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 2,528 |
| Noncurrent loans to loans | 0.7513% | 2,325 |
| Net loans and leases to total assets | 73.1753% | 2,000 |
| Net loans and leases to deposits | 93.2960% | 1,303 |
| Net loans and leases to core deposits | 94.7548% | 2,076 |
| Total domestic deposits to total assets | 78.4335% | 4,660 |
| Equity capital to assets | 12.7045% | 1,381 |
| Core capital (leverage) ratio | 9.5683% | 3,994 |
| Tier 1 risk-based capital ratio | 11.2892% | 4,987 |
| Total risk-based capital ratio | 12.2791% | 5,017 |
| Memoranda: | ||
| Average total assets | $7,287,929,000 | 171 |
| Average earning assets | $6,551,352,000 | 171 |
| Average equity | $923,225,000 | 167 |
| Average total loans | $5,406,628,500 | 163 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 3,623 |
| Cost of funding earning assets | 0.2950% | 4,192 |
| Net interest margin | 3.6397% | 3,027 |
| Noninterest income to average assets | 1.0615% | 901 |
| Noninterest expense to average assets | 2.7683% | 2,897 |
| Loan and lease loss provision to assets | 0.0719% | 2,774 |
| Net operating income to assets | 0.7998% | 3,158 |
| Return on assets (ROA) | 0.8459% | 2,997 |
| Pretax return on assets | 1.5658% | 1,399 |
| Return on Equity (ROE) | 7.0396% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.0795% | 3,455 |
| Net charge-offs to loans | 0.1341% | 1,716 |
| Credit loss provision to net charge-offs | 72.9424% | 3,049 |
| Earnings coverage of net charge-offs (x) | 15.8897% | 2,215 |
| Efficiency ratio | 62.8691% | 3,799 |
| Assets per employee ($millions) | 5.3076% | 2,136 |
| Cash dividends to net income (ytd only)* | 56.2540% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,519 |
| Loan loss allowance to noncurrent loans | 148.4676% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,940 |
| Noncurrent loans to loans | 0.6000% | 2,731 |
| Net loans and leases to total assets | 73.7974% | 1,953 |
| Net loans and leases to deposits | 95.9995% | 1,089 |
| Net loans and leases to core deposits | 97.2942% | 1,913 |
| Total domestic deposits to total assets | 76.8727% | 4,870 |
| Equity capital to assets | 12.6312% | 1,440 |
| Core capital (leverage) ratio | 9.3020% | 4,286 |
| Tier 1 risk-based capital ratio | 10.9441% | 5,179 |
| Total risk-based capital ratio | 11.8325% | 5,243 |
| Memoranda: | ||
| Average total assets | $7,077,523,200 | 168 |
| Average earning assets | $6,363,362,200 | 168 |
| Average equity | $850,423,000 | 167 |
| Average total loans | $5,200,719,800 | 162 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,697 |
| Cost of funding earning assets | 0.2803% | 4,310 |
| Net interest margin | 3.6136% | 3,098 |
| Noninterest income to average assets | 1.0359% | 949 |
| Noninterest expense to average assets | 2.7500% | 2,899 |
| Loan and lease loss provision to assets | 0.0538% | 3,022 |
| Net operating income to assets | 1.0265% | 2,431 |
| Return on assets (ROA) | 1.0363% | 2,423 |
| Pretax return on assets | 1.4969% | 1,778 |
| Return on Equity (ROE) | 8.7401% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.3795% | 3,292 |
| Net charge-offs to loans | 0.1255% | 1,528 |
| Credit loss provision to net charge-offs | 58.5174% | 2,821 |
| Earnings coverage of net charge-offs (x) | 16.7206% | 2,154 |
| Efficiency ratio | 63.1521% | 3,685 |
| Assets per employee ($millions) | 5.3875% | 2,029 |
| Cash dividends to net income (ytd only)* | 49.8920% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,599 |
| Loan loss allowance to noncurrent loans | 174.0274% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 3,218 |
| Noncurrent loans to loans | 0.5133% | 3,165 |
| Net loans and leases to total assets | 72.6251% | 2,155 |
| Net loans and leases to deposits | 95.9672% | 1,116 |
| Net loans and leases to core deposits | 97.2379% | 1,952 |
| Total domestic deposits to total assets | 75.6770% | 5,058 |
| Equity capital to assets | 12.5442% | 1,637 |
| Core capital (leverage) ratio | 9.2531% | 4,460 |
| Tier 1 risk-based capital ratio | 10.8894% | 5,304 |
| Total risk-based capital ratio | 11.7648% | 5,375 |
| Memoranda: | ||
| Average total assets | $7,026,408,250 | 172 |
| Average earning assets | $6,320,655,500 | 170 |
| Average equity | $833,078,750 | 168 |
| Average total loans | $5,145,347,500 | 164 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 3,807 |
| Cost of funding earning assets | 0.2635% | 4,433 |
| Net interest margin | 3.5617% | 3,178 |
| Noninterest income to average assets | 1.0056% | 1,008 |
| Noninterest expense to average assets | 2.8417% | 2,609 |
| Loan and lease loss provision to assets | 0.0469% | 3,055 |
| Net operating income to assets | 0.9210% | 2,802 |
| Return on assets (ROA) | 0.9340% | 2,805 |
| Pretax return on assets | 1.3455% | 2,229 |
| Return on Equity (ROE) | 8.0434% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.0401% | 3,308 |
| Net charge-offs to loans | 0.1477% | 1,267 |
| Credit loss provision to net charge-offs | 43.3387% | 2,615 |
| Earnings coverage of net charge-offs (x) | 12.7055% | 2,173 |
| Efficiency ratio | 66.4423% | 3,275 |
| Assets per employee ($millions) | 5.1604% | 2,202 |
| Cash dividends to net income (ytd only)* | 49.7709% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,667 |
| Loan loss allowance to noncurrent loans | 163.9449% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 3,175 |
| Noncurrent loans to loans | 0.5445% | 3,113 |
| Net loans and leases to total assets | 72.5197% | 2,120 |
| Net loans and leases to deposits | 96.2372% | 1,050 |
| Net loans and leases to core deposits | 97.3841% | 1,862 |
| Total domestic deposits to total assets | 75.3551% | 5,162 |
| Equity capital to assets | 12.3800% | 1,684 |
| Core capital (leverage) ratio | 9.2151% | 4,472 |
| Tier 1 risk-based capital ratio | 10.7872% | 5,346 |
| Total risk-based capital ratio | 11.6571% | 5,430 |
| Memoranda: | ||
| Average total assets | $6,915,418,330 | 171 |
| Average earning assets | $6,231,800,670 | 170 |
| Average equity | $803,047,000 | 172 |
| Average total loans | $5,062,820,000 | 166 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 4,102 |
| Cost of funding earning assets | 0.2407% | 4,630 |
| Net interest margin | 3.4666% | 3,399 |
| Noninterest income to average assets | 0.9945% | 1,016 |
| Noninterest expense to average assets | 2.4960% | 3,824 |
| Loan and lease loss provision to assets | 0.1930% | 865 |
| Net operating income to assets | 1.0005% | 2,299 |
| Return on assets (ROA) | 1.0273% | 2,231 |
| Pretax return on assets | 1.4807% | 1,600 |
| Return on Equity (ROE) | 9.1805% | 2,324 |
| Retained earnings to average equity (ytd only) | 4.5999% | 3,124 |
| Net charge-offs to loans | 0.3866% | 475 |
| Credit loss provision to net charge-offs | 68.1511% | 1,855 |
| Earnings coverage of net charge-offs (x) | 5.7737% | 2,258 |
| Efficiency ratio | 59.5978% | 4,514 |
| Assets per employee ($millions) | 5.3071% | 2,070 |
| Cash dividends to net income (ytd only)* | 49.8953% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,348 |
| Loan loss allowance to noncurrent loans | 128.0846% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 2,634 |
| Noncurrent loans to loans | 0.7728% | 2,535 |
| Net loans and leases to total assets | 72.1808% | 2,049 |
| Net loans and leases to deposits | 97.7274% | 788 |
| Net loans and leases to core deposits | 98.8471% | 1,596 |
| Total domestic deposits to total assets | 73.8593% | 5,426 |
| Equity capital to assets | 11.1757% | 2,450 |
| Core capital (leverage) ratio | 8.7931% | 4,961 |
| Tier 1 risk-based capital ratio | 10.1284% | 5,670 |
| Total risk-based capital ratio | 11.0634% | 5,714 |
| Memoranda: | ||
| Average total assets | $6,693,795,500 | 175 |
| Average earning assets | $6,055,727,000 | 174 |
| Average equity | $749,067,500 | 178 |
| Average total loans | $4,901,955,500 | 171 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,444 |
| Cost of funding earning assets | 0.2659% | 4,406 |
| Net interest margin | 3.3602% | 3,962 |
| Noninterest income to average assets | 0.9778% | 1,205 |
| Noninterest expense to average assets | 2.3539% | 4,409 |
| Loan and lease loss provision to assets | 0.2781% | 721 |
| Net operating income to assets | 0.9578% | 2,544 |
| Return on assets (ROA) | 0.9641% | 2,621 |
| Pretax return on assets | 1.3868% | 1,996 |
| Return on Equity (ROE) | 8.8912% | 2,473 |
| Retained earnings to average equity (ytd only) | 1.1992% | 4,809 |
| Net charge-offs to loans | 0.3963% | 665 |
| Credit loss provision to net charge-offs | 96.7185% | 2,667 |
| Earnings coverage of net charge-offs (x) | 5.7581% | 3,292 |
| Efficiency ratio | 58.4990% | 4,793 |
| Assets per employee ($millions) | 5.2137% | 2,156 |
| Cash dividends to net income (ytd only)* | 86.5122% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,149 |
| Loan loss allowance to noncurrent loans | 166.4290% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 3,061 |
| Noncurrent loans to loans | 0.6171% | 3,003 |
| Net loans and leases to total assets | 72.8098% | 2,038 |
| Net loans and leases to deposits | 97.1495% | 900 |
| Net loans and leases to core deposits | 98.3143% | 1,749 |
| Total domestic deposits to total assets | 74.9462% | 5,361 |
| Equity capital to assets | 11.2054% | 2,414 |
| Core capital (leverage) ratio | 8.7861% | 4,982 |
| Tier 1 risk-based capital ratio | 10.0853% | 5,714 |
| Total risk-based capital ratio | 11.0582% | 5,753 |
| Memoranda: | ||
| Average total assets | $6,644,332,200 | 169 |
| Average earning assets | $5,995,301,600 | 170 |
| Average equity | $720,467,800 | 174 |
| Average total loans | $4,820,861,800 | 163 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 4,579 |
| Cost of funding earning assets | 0.2718% | 4,365 |
| Net interest margin | 3.3201% | 4,130 |
| Noninterest income to average assets | 0.9494% | 1,256 |
| Noninterest expense to average assets | 2.2444% | 4,662 |
| Loan and lease loss provision to assets | 0.4074% | 353 |
| Net operating income to assets | 0.9042% | 2,883 |
| Return on assets (ROA) | 0.9044% | 3,023 |
| Pretax return on assets | 1.2936% | 2,448 |
| Return on Equity (ROE) | 8.4106% | 2,808 |
| Retained earnings to average equity (ytd only) | -0.1409% | 5,378 |
| Net charge-offs to loans | 0.4547% | 464 |
| Credit loss provision to net charge-offs | 123.9380% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.1735% | 3,164 |
| Efficiency ratio | 56.7281% | 4,989 |
| Assets per employee ($millions) | 5.6179% | 1,747 |
| Cash dividends to net income (ytd only)* | 101.6751% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 3,705 |
| Loan loss allowance to noncurrent loans | 127.6357% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 2,641 |
| Noncurrent loans to loans | 0.8808% | 2,497 |
| Net loans and leases to total assets | 72.6774% | 2,069 |
| Net loans and leases to deposits | 107.2600% | 331 |
| Net loans and leases to core deposits | 108.6079% | 1,010 |
| Total domestic deposits to total assets | 67.7582% | 5,772 |
| Equity capital to assets | 11.3027% | 2,701 |
| Core capital (leverage) ratio | 8.9515% | 4,880 |
| Tier 1 risk-based capital ratio | 10.4164% | 5,651 |
| Total risk-based capital ratio | 11.4681% | 5,669 |
| Memoranda: | ||
| Average total assets | $6,644,857,500 | 170 |
| Average earning assets | $5,995,762,000 | 170 |
| Average equity | $714,512,000 | 176 |
| Average total loans | $4,804,482,250 | 163 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,670 |
| Cost of funding earning assets | 0.2678% | 4,467 |
| Net interest margin | 3.3057% | 4,210 |
| Noninterest income to average assets | 0.8981% | 1,380 |
| Noninterest expense to average assets | 2.2232% | 4,795 |
| Loan and lease loss provision to assets | 0.5081% | 255 |
| Net operating income to assets | 0.8021% | 3,300 |
| Return on assets (ROA) | 0.8025% | 3,437 |
| Pretax return on assets | 1.1463% | 2,997 |
| Return on Equity (ROE) | 7.5917% | 3,211 |
| Retained earnings to average equity (ytd only) | -2.9991% | 5,631 |
| Net charge-offs to loans | 0.3299% | 713 |
| Credit loss provision to net charge-offs | 214.1970% | 1,246 |
| Earnings coverage of net charge-offs (x) | 6.9721% | 2,684 |
| Efficiency ratio | 57.1492% | 5,009 |
| Assets per employee ($millions) | 5.7643% | 1,574 |
| Cash dividends to net income (ytd only)* | 139.5054% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 3,176 |
| Loan loss allowance to noncurrent loans | 120.9507% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 2,440 |
| Noncurrent loans to loans | 1.0186% | 2,249 |
| Net loans and leases to total assets | 71.2272% | 2,297 |
| Net loans and leases to deposits | 108.8590% | 279 |
| Net loans and leases to core deposits | 110.2133% | 924 |
| Total domestic deposits to total assets | 65.4307% | 5,904 |
| Equity capital to assets | 10.5900% | 3,541 |
| Core capital (leverage) ratio | 9.3324% | 4,418 |
| Tier 1 risk-based capital ratio | 10.5472% | 5,655 |
| Total risk-based capital ratio | 11.6441% | 5,641 |
| Memoranda: | ||
| Average total assets | $6,651,993,000 | 169 |
| Average earning assets | $5,994,072,000 | 168 |
| Average equity | $703,140,000 | 176 |
| Average total loans | $4,783,147,330 | 164 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,679 |
| Cost of funding earning assets | 0.2627% | 4,580 |
| Net interest margin | 3.3160% | 4,163 |
| Noninterest income to average assets | 0.8514% | 1,436 |
| Noninterest expense to average assets | 2.2709% | 4,740 |
| Loan and lease loss provision to assets | 0.3948% | 353 |
| Net operating income to assets | 0.8158% | 3,167 |
| Return on assets (ROA) | 0.8156% | 3,292 |
| Pretax return on assets | 1.1737% | 2,805 |
| Return on Equity (ROE) | 7.7232% | 3,076 |
| Retained earnings to average equity (ytd only) | 1.3022% | 4,738 |
| Net charge-offs to loans | 0.1783% | 1,080 |
| Credit loss provision to net charge-offs | 308.4121% | 834 |
| Earnings coverage of net charge-offs (x) | 12.2538% | 1,808 |
| Efficiency ratio | 58.9279% | 4,882 |
| Assets per employee ($millions) | 5.4913% | 1,836 |
| Cash dividends to net income (ytd only)* | 83.1392% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,770 |
| Loan loss allowance to noncurrent loans | 114.6493% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 2,564 |
| Noncurrent loans to loans | 1.0025% | 2,378 |
| Net loans and leases to total assets | 71.1258% | 2,170 |
| Net loans and leases to deposits | 110.0510% | 227 |
| Net loans and leases to core deposits | 111.5881% | 775 |
| Total domestic deposits to total assets | 64.6299% | 5,989 |
| Equity capital to assets | 10.5304% | 3,453 |
| Core capital (leverage) ratio | 9.3605% | 4,409 |
| Tier 1 risk-based capital ratio | 10.5574% | 5,726 |
| Total risk-based capital ratio | 11.5964% | 5,733 |
| Memoranda: | ||
| Average total assets | $6,611,614,000 | 171 |
| Average earning assets | $5,958,049,500 | 170 |
| Average equity | $698,212,000 | 177 |
| Average total loans | $4,747,036,500 | 165 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,783 |
| Cost of funding earning assets | 0.2311% | 5,003 |
| Net interest margin | 3.3268% | 4,191 |
| Noninterest income to average assets | 0.9513% | 1,318 |
| Noninterest expense to average assets | 2.4877% | 4,266 |
| Loan and lease loss provision to assets | 0.2346% | 833 |
| Net operating income to assets | 0.8538% | 3,090 |
| Return on assets (ROA) | 0.8520% | 3,177 |
| Pretax return on assets | 1.2177% | 2,599 |
| Return on Equity (ROE) | 7.9052% | 3,003 |
| Retained earnings to average equity (ytd only) | 0.6477% | 5,251 |
| Net charge-offs to loans | 0.3569% | 831 |
| Credit loss provision to net charge-offs | 92.3457% | 2,714 |
| Earnings coverage of net charge-offs (x) | 5.7268% | 3,335 |
| Efficiency ratio | 62.8577% | 4,467 |
| Assets per employee ($millions) | 5.1746% | 2,149 |
| Cash dividends to net income (ytd only)* | 91.8062% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 4,126 |
| Loan loss allowance to noncurrent loans | 127.2782% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 2,799 |
| Noncurrent loans to loans | 0.8513% | 2,659 |
| Net loans and leases to total assets | 70.8648% | 2,229 |
| Net loans and leases to deposits | 110.2818% | 234 |
| Net loans and leases to core deposits | 112.0886% | 766 |
| Total domestic deposits to total assets | 64.2579% | 6,045 |
| Equity capital to assets | 10.5910% | 3,262 |
| Core capital (leverage) ratio | 9.4599% | 4,236 |
| Tier 1 risk-based capital ratio | 10.7872% | 5,631 |
| Total risk-based capital ratio | 11.7791% | 5,679 |
| Memoranda: | ||
| Average total assets | $6,371,717,000 | 166 |
| Average earning assets | $5,729,022,600 | 162 |
| Average equity | $686,704,200 | 171 |
| Average total loans | $4,534,818,600 | 164 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,862 |
| Cost of funding earning assets | 0.2284% | 5,107 |
| Net interest margin | 3.3235% | 4,244 |
| Noninterest income to average assets | 0.9640% | 1,279 |
| Noninterest expense to average assets | 2.4662% | 4,295 |
| Loan and lease loss provision to assets | 0.1858% | 1,110 |
| Net operating income to assets | 0.9100% | 2,914 |
| Return on assets (ROA) | 0.9117% | 2,996 |
| Pretax return on assets | 1.3020% | 2,392 |
| Return on Equity (ROE) | 8.4214% | 2,861 |
| Retained earnings to average equity (ytd only) | -0.3260% | 5,665 |
| Net charge-offs to loans | 0.3663% | 710 |
| Credit loss provision to net charge-offs | 71.3950% | 2,739 |
| Earnings coverage of net charge-offs (x) | 5.7077% | 3,165 |
| Efficiency ratio | 62.1621% | 4,549 |
| Assets per employee ($millions) | 5.0408% | 2,257 |
| Cash dividends to net income (ytd only)* | 103.8710% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,428 |
| Loan loss allowance to noncurrent loans | 157.2350% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 3,306 |
| Noncurrent loans to loans | 0.6736% | 3,306 |
| Net loans and leases to total assets | 71.1881% | 2,196 |
| Net loans and leases to deposits | 108.5333% | 289 |
| Net loans and leases to core deposits | 110.7786% | 834 |
| Total domestic deposits to total assets | 65.5910% | 6,101 |
| Equity capital to assets | 10.9077% | 3,119 |
| Core capital (leverage) ratio | 9.7041% | 4,029 |
| Tier 1 risk-based capital ratio | 10.9940% | 5,662 |
| Total risk-based capital ratio | 11.9553% | 5,727 |
| Memoranda: | ||
| Average total assets | $6,328,192,000 | 166 |
| Average earning assets | $5,688,583,250 | 161 |
| Average equity | $685,063,000 | 173 |
| Average total loans | $4,496,150,750 | 164 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,833 |
| Cost of funding earning assets | 0.2295% | 5,153 |
| Net interest margin | 3.3307% | 4,167 |
| Noninterest income to average assets | 0.9464% | 1,310 |
| Noninterest expense to average assets | 2.4564% | 4,376 |
| Loan and lease loss provision to assets | 0.1329% | 1,649 |
| Net operating income to assets | 0.9405% | 2,685 |
| Return on assets (ROA) | 0.9431% | 2,791 |
| Pretax return on assets | 1.3557% | 2,164 |
| Return on Equity (ROE) | 8.7342% | 2,684 |
| Retained earnings to average equity (ytd only) | -2.6384% | 5,882 |
| Net charge-offs to loans | 0.4881% | 513 |
| Credit loss provision to net charge-offs | 38.4905% | 2,836 |
| Earnings coverage of net charge-offs (x) | 4.2999% | 3,060 |
| Efficiency ratio | 62.0750% | 4,671 |
| Assets per employee ($millions) | 4.8860% | 2,417 |
| Cash dividends to net income (ytd only)* | 130.2072% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 4,832 |
| Loan loss allowance to noncurrent loans | 131.7412% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 3,465 |
| Noncurrent loans to loans | 0.7648% | 3,201 |
| Net loans and leases to total assets | 70.7403% | 2,201 |
| Net loans and leases to deposits | 105.4871% | 392 |
| Net loans and leases to core deposits | 108.2772% | 936 |
| Total domestic deposits to total assets | 67.0606% | 6,144 |
| Equity capital to assets | 10.8288% | 3,078 |
| Core capital (leverage) ratio | 9.5697% | 4,180 |
| Tier 1 risk-based capital ratio | 10.9906% | 5,713 |
| Total risk-based capital ratio | 11.9038% | 5,799 |
| Memoranda: | ||
| Average total assets | $6,315,428,330 | 165 |
| Average earning assets | $5,678,424,670 | 162 |
| Average equity | $681,938,330 | 174 |
| Average total loans | $4,467,968,330 | 164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 4,723 |
| Cost of funding earning assets | 0.2331% | 5,186 |
| Net interest margin | 3.3564% | 3,998 |
| Noninterest income to average assets | 0.9068% | 1,366 |
| Noninterest expense to average assets | 2.4802% | 4,323 |
| Loan and lease loss provision to assets | 0.0733% | 2,472 |
| Net operating income to assets | 0.9503% | 2,509 |
| Return on assets (ROA) | 0.9547% | 2,617 |
| Pretax return on assets | 1.3787% | 1,965 |
| Return on Equity (ROE) | 8.8541% | 2,522 |
| Retained earnings to average equity (ytd only) | -9.8988% | 6,133 |
| Net charge-offs to loans | 0.5852% | 422 |
| Credit loss provision to net charge-offs | 17.7952% | 2,379 |
| Earnings coverage of net charge-offs (x) | 3.5090% | 2,596 |
| Efficiency ratio | 62.9272% | 4,634 |
| Assets per employee ($millions) | 4.8580% | 2,547 |
| Cash dividends to net income (ytd only)* | 211.7994% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,756 |
| Loan loss allowance to noncurrent loans | 114.3946% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 3,214 |
| Noncurrent loans to loans | 0.9187% | 2,946 |
| Net loans and leases to total assets | 69.6735% | 2,184 |
| Net loans and leases to deposits | 101.9963% | 455 |
| Net loans and leases to core deposits | 106.0767% | 934 |
| Total domestic deposits to total assets | 68.3098% | 6,189 |
| Equity capital to assets | 10.7287% | 3,292 |
| Core capital (leverage) ratio | 9.4439% | 4,362 |
| Tier 1 risk-based capital ratio | 10.8273% | 5,890 |
| Total risk-based capital ratio | 11.7604% | 5,953 |
| Memoranda: | ||
| Average total assets | $6,324,085,500 | 164 |
| Average earning assets | $5,688,379,000 | 161 |
| Average equity | $681,901,500 | 172 |
| Average total loans | $4,451,628,500 | 161 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 5,082 |
| Cost of funding earning assets | 0.2881% | 4,920 |
| Net interest margin | 3.3112% | 4,531 |
| Noninterest income to average assets | 0.9520% | 1,340 |
| Noninterest expense to average assets | 2.6550% | 4,026 |
| Loan and lease loss provision to assets | 0.1789% | 1,438 |
| Net operating income to assets | 0.7721% | 3,508 |
| Return on assets (ROA) | 0.7781% | 3,571 |
| Pretax return on assets | 1.0960% | 3,102 |
| Return on Equity (ROE) | 7.1875% | 3,525 |
| Retained earnings to average equity (ytd only) | 0.1222% | 5,719 |
| Net charge-offs to loans | 0.3075% | 1,432 |
| Credit loss provision to net charge-offs | 83.7397% | 2,788 |
| Earnings coverage of net charge-offs (x) | 5.9276% | 3,317 |
| Efficiency ratio | 67.4501% | 3,994 |
| Assets per employee ($millions) | 4.7723% | 2,631 |
| Cash dividends to net income (ytd only)* | 98.2998% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 4,184 |
| Loan loss allowance to noncurrent loans | 114.9384% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 3,140 |
| Noncurrent loans to loans | 1.0154% | 2,793 |
| Net loans and leases to total assets | 69.5486% | 2,297 |
| Net loans and leases to deposits | 101.8807% | 518 |
| Net loans and leases to core deposits | 107.9929% | 890 |
| Total domestic deposits to total assets | 68.2648% | 6,257 |
| Equity capital to assets | 10.8363% | 3,075 |
| Core capital (leverage) ratio | 9.6605% | 4,025 |
| Tier 1 risk-based capital ratio | 11.4112% | 5,711 |
| Total risk-based capital ratio | 12.4732% | 5,732 |
| Memoranda: | ||
| Average total assets | $6,258,652,200 | 161 |
| Average earning assets | $5,612,271,400 | 161 |
| Average equity | $677,576,000 | 166 |
| Average total loans | $4,348,546,200 | 158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 5,105 |
| Cost of funding earning assets | 0.2976% | 4,908 |
| Net interest margin | 3.3186% | 4,542 |
| Noninterest income to average assets | 0.9821% | 1,278 |
| Noninterest expense to average assets | 2.5594% | 4,321 |
| Loan and lease loss provision to assets | 0.1842% | 1,327 |
| Net operating income to assets | 0.8523% | 3,166 |
| Return on assets (ROA) | 0.8532% | 3,255 |
| Pretax return on assets | 1.2135% | 2,722 |
| Return on Equity (ROE) | 7.8832% | 3,274 |
| Retained earnings to average equity (ytd only) | -0.6510% | 5,900 |
| Net charge-offs to loans | 0.3722% | 1,076 |
| Credit loss provision to net charge-offs | 71.4724% | 2,743 |
| Earnings coverage of net charge-offs (x) | 5.4178% | 3,264 |
| Efficiency ratio | 64.4107% | 4,481 |
| Assets per employee ($millions) | 4.5605% | 2,867 |
| Cash dividends to net income (ytd only)* | 108.2578% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 4,496 |
| Loan loss allowance to noncurrent loans | 139.2563% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 3,720 |
| Noncurrent loans to loans | 0.8264% | 3,509 |
| Net loans and leases to total assets | 68.9100% | 2,386 |
| Net loans and leases to deposits | 99.5916% | 635 |
| Net loans and leases to core deposits | 106.5263% | 924 |
| Total domestic deposits to total assets | 69.1926% | 6,311 |
| Equity capital to assets | 10.7024% | 3,297 |
| Core capital (leverage) ratio | 9.5832% | 4,270 |
| Tier 1 risk-based capital ratio | 11.3987% | 5,838 |
| Total risk-based capital ratio | 12.4426% | 5,862 |
| Memoranda: | ||
| Average total assets | $6,238,907,750 | 162 |
| Average earning assets | $5,590,625,250 | 161 |
| Average equity | $675,279,500 | 167 |
| Average total loans | $4,320,736,000 | 158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,100 |
| Cost of funding earning assets | 0.3071% | 4,903 |
| Net interest margin | 3.3101% | 4,547 |
| Noninterest income to average assets | 0.9824% | 1,250 |
| Noninterest expense to average assets | 2.5447% | 4,439 |
| Loan and lease loss provision to assets | 0.2109% | 1,124 |
| Net operating income to assets | 0.8481% | 3,083 |
| Return on assets (ROA) | 0.8483% | 3,187 |
| Pretax return on assets | 1.1918% | 2,691 |
| Return on Equity (ROE) | 7.8075% | 3,201 |
| Retained earnings to average equity (ytd only) | -0.2037% | 5,718 |
| Net charge-offs to loans | 0.4684% | 864 |
| Credit loss provision to net charge-offs | 65.1672% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.3332% | 3,131 |
| Efficiency ratio | 64.1768% | 4,663 |
| Assets per employee ($millions) | 4.5413% | 2,860 |
| Cash dividends to net income (ytd only)* | 102.6089% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 4,566 |
| Loan loss allowance to noncurrent loans | 133.0282% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 3,774 |
| Noncurrent loans to loans | 0.8798% | 3,501 |
| Net loans and leases to total assets | 68.3001% | 2,372 |
| Net loans and leases to deposits | 95.6969% | 821 |
| Net loans and leases to core deposits | 102.0544% | 1,131 |
| Total domestic deposits to total assets | 71.3713% | 6,294 |
| Equity capital to assets | 10.9015% | 2,978 |
| Core capital (leverage) ratio | 9.8706% | 3,780 |
| Tier 1 risk-based capital ratio | 11.9048% | 5,594 |
| Total risk-based capital ratio | 12.9827% | 5,621 |
| Memoranda: | ||
| Average total assets | $6,208,556,670 | 163 |
| Average earning assets | $5,561,105,330 | 160 |
| Average equity | $674,553,670 | 167 |
| Average total loans | $4,290,060,670 | 157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 5,011 |
| Cost of funding earning assets | 0.3127% | 4,944 |
| Net interest margin | 3.3356% | 4,394 |
| Noninterest income to average assets | 0.8919% | 1,419 |
| Noninterest expense to average assets | 2.4812% | 4,682 |
| Loan and lease loss provision to assets | 0.2092% | 1,097 |
| Net operating income to assets | 0.8557% | 2,871 |
| Return on assets (ROA) | 0.8559% | 2,940 |
| Pretax return on assets | 1.1900% | 2,526 |
| Return on Equity (ROE) | 7.8909% | 2,981 |
| Retained earnings to average equity (ytd only) | -4.6735% | 6,101 |
| Net charge-offs to loans | 0.2765% | 1,240 |
| Credit loss provision to net charge-offs | 109.5254% | 1,543 |
| Earnings coverage of net charge-offs (x) | 7.3237% | 2,125 |
| Efficiency ratio | 63.6471% | 4,914 |
| Assets per employee ($millions) | 4.6394% | 2,743 |
| Cash dividends to net income (ytd only)* | 159.2268% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,216 |
| Loan loss allowance to noncurrent loans | 113.2475% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 3,369 |
| Noncurrent loans to loans | 1.1319% | 3,156 |
| Net loans and leases to total assets | 67.9789% | 2,221 |
| Net loans and leases to deposits | 90.0406% | 1,146 |
| Net loans and leases to core deposits | 98.1065% | 1,229 |
| Total domestic deposits to total assets | 75.4980% | 6,118 |
| Equity capital to assets | 10.8521% | 2,877 |
| Core capital (leverage) ratio | 9.6525% | 4,059 |
| Tier 1 risk-based capital ratio | 11.8458% | 5,728 |
| Total risk-based capital ratio | 13.0150% | 5,716 |
| Memoranda: | ||
| Average total assets | $6,177,070,000 | 163 |
| Average earning assets | $5,534,037,000 | 160 |
| Average equity | $669,986,000 | 169 |
| Average total loans | $4,267,996,500 | 156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,845 |
| Cost of funding earning assets | 0.3417% | 5,227 |
| Net interest margin | 3.4498% | 4,100 |
| Noninterest income to average assets | 0.9994% | 1,396 |
| Noninterest expense to average assets | 2.6754% | 4,194 |
| Loan and lease loss provision to assets | 0.3162% | 1,053 |
| Net operating income to assets | 0.7835% | 3,374 |
| Return on assets (ROA) | 0.7672% | 3,552 |
| Pretax return on assets | 1.0698% | 3,072 |
| Return on Equity (ROE) | 6.8885% | 3,629 |
| Retained earnings to average equity (ytd only) | -2.7058% | 6,243 |
| Net charge-offs to loans | 0.7600% | 832 |
| Credit loss provision to net charge-offs | 59.7316% | 3,573 |
| Earnings coverage of net charge-offs (x) | 2.6609% | 4,105 |
| Efficiency ratio | 65.0784% | 4,717 |
| Assets per employee ($millions) | 4.5468% | 2,828 |
| Cash dividends to net income (ytd only)* | 139.2792% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,316 |
| Loan loss allowance to noncurrent loans | 112.0513% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 3,474 |
| Noncurrent loans to loans | 1.1297% | 3,284 |
| Net loans and leases to total assets | 68.4491% | 2,274 |
| Net loans and leases to deposits | 91.6905% | 1,093 |
| Net loans and leases to core deposits | 99.1140% | 1,228 |
| Total domestic deposits to total assets | 74.6523% | 6,234 |
| Equity capital to assets | 10.8405% | 2,772 |
| Core capital (leverage) ratio | 9.7455% | 3,920 |
| Tier 1 risk-based capital ratio | 11.7058% | 5,803 |
| Total risk-based capital ratio | 12.8644% | 5,784 |
| Memoranda: | ||
| Average total assets | $6,079,900,200 | 160 |
| Average earning assets | $5,436,616,800 | 154 |
| Average equity | $677,109,200 | 161 |
| Average total loans | $4,235,392,000 | 154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 4,796 |
| Cost of funding earning assets | 0.3487% | 5,306 |
| Net interest margin | 3.4665% | 4,030 |
| Noninterest income to average assets | 1.0210% | 1,394 |
| Noninterest expense to average assets | 2.6063% | 4,369 |
| Loan and lease loss provision to assets | 0.3966% | 767 |
| Net operating income to assets | 0.8061% | 3,314 |
| Return on assets (ROA) | 0.8064% | 3,442 |
| Pretax return on assets | 1.1172% | 3,034 |
| Return on Equity (ROE) | 7.1918% | 3,543 |
| Retained earnings to average equity (ytd only) | -4.6983% | 6,479 |
| Net charge-offs to loans | 0.9547% | 600 |
| Credit loss provision to net charge-offs | 59.5582% | 3,312 |
| Earnings coverage of net charge-offs (x) | 2.2729% | 4,085 |
| Efficiency ratio | 62.8099% | 5,013 |
| Assets per employee ($millions) | 4.4564% | 2,944 |
| Cash dividends to net income (ytd only)* | 165.3286% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,411 |
| Loan loss allowance to noncurrent loans | 88.2234% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 3,302 |
| Noncurrent loans to loans | 1.4692% | 2,965 |
| Net loans and leases to total assets | 68.4484% | 2,232 |
| Net loans and leases to deposits | 90.4147% | 1,121 |
| Net loans and leases to core deposits | 97.8400% | 1,253 |
| Total domestic deposits to total assets | 75.7049% | 6,202 |
| Equity capital to assets | 10.8832% | 2,882 |
| Core capital (leverage) ratio | 9.5009% | 4,404 |
| Tier 1 risk-based capital ratio | 11.5526% | 6,032 |
| Total risk-based capital ratio | 12.7314% | 6,031 |
| Memoranda: | ||
| Average total assets | $6,055,084,750 | 155 |
| Average earning assets | $5,412,967,000 | 152 |
| Average equity | $678,922,750 | 159 |
| Average total loans | $4,223,288,500 | 151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,823 |
| Cost of funding earning assets | 0.3581% | 5,331 |
| Net interest margin | 3.4447% | 4,021 |
| Noninterest income to average assets | 0.9877% | 1,565 |
| Noninterest expense to average assets | 2.6369% | 4,260 |
| Loan and lease loss provision to assets | 0.5069% | 532 |
| Net operating income to assets | 0.6623% | 4,008 |
| Return on assets (ROA) | 0.6626% | 4,158 |
| Pretax return on assets | 0.9245% | 3,811 |
| Return on Equity (ROE) | 5.8511% | 4,252 |
| Retained earnings to average equity (ytd only) | -9.6528% | 6,655 |
| Net charge-offs to loans | 1.1870% | 491 |
| Credit loss provision to net charge-offs | 61.1098% | 2,997 |
| Earnings coverage of net charge-offs (x) | 1.7252% | 3,957 |
| Efficiency ratio | 64.2869% | 4,832 |
| Assets per employee ($millions) | 4.3945% | 2,999 |
| Cash dividends to net income (ytd only)* | 264.9745% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,221 |
| Loan loss allowance to noncurrent loans | 92.7618% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 3,224 |
| Noncurrent loans to loans | 1.4643% | 3,114 |
| Net loans and leases to total assets | 68.2555% | 2,187 |
| Net loans and leases to deposits | 87.8863% | 1,349 |
| Net loans and leases to core deposits | 96.1804% | 1,340 |
| Total domestic deposits to total assets | 77.6634% | 6,039 |
| Equity capital to assets | 10.7799% | 2,965 |
| Core capital (leverage) ratio | 9.4840% | 4,272 |
| Tier 1 risk-based capital ratio | 11.4795% | 6,121 |
| Total risk-based capital ratio | 12.6985% | 6,099 |
| Memoranda: | ||
| Average total assets | $6,035,404,670 | 153 |
| Average earning assets | $5,396,860,670 | 151 |
| Average equity | $683,427,000 | 158 |
| Average total loans | $4,217,725,670 | 149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,625 |
| Cost of funding earning assets | 0.3699% | 5,372 |
| Net interest margin | 3.4871% | 3,756 |
| Noninterest income to average assets | 0.9997% | 1,460 |
| Noninterest expense to average assets | 2.6822% | 4,138 |
| Loan and lease loss provision to assets | 0.3000% | 1,157 |
| Net operating income to assets | 0.8182% | 3,058 |
| Return on assets (ROA) | 0.8184% | 3,200 |
| Pretax return on assets | 1.1369% | 2,831 |
| Return on Equity (ROE) | 7.0551% | 3,461 |
| Retained earnings to average equity (ytd only) | -15.6949% | 6,764 |
| Net charge-offs to loans | 0.8948% | 678 |
| Credit loss provision to net charge-offs | 47.7287% | 2,635 |
| Earnings coverage of net charge-offs (x) | 2.2859% | 3,084 |
| Efficiency ratio | 64.5387% | 4,915 |
| Assets per employee ($millions) | 4.3894% | 3,170 |
| Cash dividends to net income (ytd only)* | 322.4613% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 3,913 |
| Loan loss allowance to noncurrent loans | 91.4703% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 3,353 |
| Noncurrent loans to loans | 1.6135% | 3,119 |
| Net loans and leases to total assets | 68.7186% | 1,886 |
| Net loans and leases to deposits | 87.3017% | 1,213 |
| Net loans and leases to core deposits | 95.4419% | 1,235 |
| Total domestic deposits to total assets | 78.7140% | 6,009 |
| Equity capital to assets | 11.2624% | 2,664 |
| Core capital (leverage) ratio | 9.9367% | 3,483 |
| Tier 1 risk-based capital ratio | 11.7553% | 6,062 |
| Total risk-based capital ratio | 13.0062% | 6,037 |
| Memoranda: | ||
| Average total assets | $5,996,744,000 | 157 |
| Average earning assets | $5,363,826,000 | 156 |
| Average equity | $695,667,500 | 158 |
| Average total loans | $4,211,727,000 | 152 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 4,665 |
| Cost of funding earning assets | 0.4665% | 5,445 |
| Net interest margin | 3.7125% | 3,593 |
| Noninterest income to average assets | 0.9858% | 1,572 |
| Noninterest expense to average assets | 2.7869% | 4,076 |
| Loan and lease loss provision to assets | 0.3490% | 1,914 |
| Net operating income to assets | 0.8330% | 3,126 |
| Return on assets (ROA) | 0.8354% | 3,370 |
| Pretax return on assets | 1.1562% | 2,964 |
| Return on Equity (ROE) | 6.7234% | 3,802 |
| Retained earnings to average equity (ytd only) | -2.0476% | 6,164 |
| Net charge-offs to loans | 0.3512% | 2,879 |
| Credit loss provision to net charge-offs | 140.7991% | 1,954 |
| Earnings coverage of net charge-offs (x) | 6.0600% | 2,881 |
| Efficiency ratio | 64.3992% | 4,814 |
| Assets per employee ($millions) | 4.2738% | 3,410 |
| Cash dividends to net income (ytd only)* | 130.4549% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,323 |
| Loan loss allowance to noncurrent loans | 69.2899% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8205% | 2,686 |
| Noncurrent loans to loans | 2.3061% | 2,345 |
| Net loans and leases to total assets | 69.5974% | 1,921 |
| Net loans and leases to deposits | 90.3791% | 1,046 |
| Net loans and leases to core deposits | 94.1161% | 1,457 |
| Total domestic deposits to total assets | 77.0061% | 6,221 |
| Equity capital to assets | 11.9450% | 2,079 |
| Core capital (leverage) ratio | 10.6444% | 2,607 |
| Tier 1 risk-based capital ratio | 12.4939% | 5,486 |
| Total risk-based capital ratio | 13.7461% | 5,434 |
| Memoranda: | ||
| Average total assets | $5,887,128,000 | 156 |
| Average earning assets | $5,237,850,800 | 155 |
| Average equity | $731,488,400 | 152 |
| Average total loans | $4,154,418,400 | 147 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 4,772 |
| Cost of funding earning assets | 0.4893% | 5,512 |
| Net interest margin | 3.7235% | 3,686 |
| Noninterest income to average assets | 1.0665% | 1,329 |
| Noninterest expense to average assets | 2.8221% | 3,904 |
| Loan and lease loss provision to assets | 0.3369% | 1,941 |
| Net operating income to assets | 0.8810% | 3,074 |
| Return on assets (ROA) | 0.8839% | 3,297 |
| Pretax return on assets | 1.2238% | 2,899 |
| Return on Equity (ROE) | 7.0448% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.9607% | 4,778 |
| Net charge-offs to loans | 0.3849% | 2,553 |
| Credit loss provision to net charge-offs | 124.0843% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5.7342% | 2,940 |
| Efficiency ratio | 63.8733% | 4,823 |
| Assets per employee ($millions) | 4.2007% | 3,469 |
| Cash dividends to net income (ytd only)* | 57.9729% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,858 |
| Loan loss allowance to noncurrent loans | 71.4537% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.7891% | 2,931 |
| Noncurrent loans to loans | 2.1291% | 2,694 |
| Net loans and leases to total assets | 70.2188% | 1,870 |
| Net loans and leases to deposits | 92.1513% | 958 |
| Net loans and leases to core deposits | 96.6624% | 1,357 |
| Total domestic deposits to total assets | 76.1995% | 6,358 |
| Equity capital to assets | 12.6090% | 1,819 |
| Core capital (leverage) ratio | 11.2187% | 2,201 |
| Tier 1 risk-based capital ratio | 13.0745% | 5,188 |
| Total risk-based capital ratio | 14.3257% | 5,144 |
| Memoranda: | ||
| Average total assets | $5,872,689,500 | 158 |
| Average earning assets | $5,224,162,500 | 157 |
| Average equity | $736,831,500 | 153 |
| Average total loans | $4,141,854,750 | 145 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 4,688 |
| Cost of funding earning assets | 0.5131% | 5,530 |
| Net interest margin | 3.7562% | 3,559 |
| Noninterest income to average assets | 1.0054% | 1,451 |
| Noninterest expense to average assets | 2.7519% | 4,212 |
| Loan and lease loss provision to assets | 0.2759% | 2,380 |
| Net operating income to assets | 0.9433% | 2,693 |
| Return on assets (ROA) | 0.9435% | 2,951 |
| Pretax return on assets | 1.3177% | 2,494 |
| Return on Equity (ROE) | 7.5324% | 3,488 |
| Retained earnings to average equity (ytd only) | 4.0965% | 3,880 |
| Net charge-offs to loans | 0.3712% | 2,536 |
| Credit loss provision to net charge-offs | 105.7838% | 2,574 |
| Earnings coverage of net charge-offs (x) | 6.1095% | 2,696 |
| Efficiency ratio | 62.7472% | 5,123 |
| Assets per employee ($millions) | 4.1312% | 3,603 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 4,094 |
| Loan loss allowance to noncurrent loans | 69.0823% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 2,984 |
| Noncurrent loans to loans | 2.1464% | 2,770 |
| Net loans and leases to total assets | 69.5114% | 2,007 |
| Net loans and leases to deposits | 91.5412% | 997 |
| Net loans and leases to core deposits | 94.5557% | 1,546 |
| Total domestic deposits to total assets | 75.9345% | 6,472 |
| Equity capital to assets | 12.5828% | 1,762 |
| Core capital (leverage) ratio | 11.2794% | 2,061 |
| Tier 1 risk-based capital ratio | 13.2652% | 4,991 |
| Total risk-based capital ratio | 14.5160% | 4,958 |
| Memoranda: | ||
| Average total assets | $5,860,147,000 | 157 |
| Average earning assets | $5,210,707,670 | 157 |
| Average equity | $734,032,330 | 151 |
| Average total loans | $4,117,717,000 | 144 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 4,500 |
| Cost of funding earning assets | 0.5390% | 5,559 |
| Net interest margin | 3.8158% | 3,311 |
| Noninterest income to average assets | 0.9442% | 1,585 |
| Noninterest expense to average assets | 2.7770% | 4,132 |
| Loan and lease loss provision to assets | 0.2593% | 2,385 |
| Net operating income to assets | 0.9314% | 2,783 |
| Return on assets (ROA) | 0.9313% | 2,987 |
| Pretax return on assets | 1.3011% | 2,533 |
| Return on Equity (ROE) | 7.4521% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.0435% | 4,164 |
| Net charge-offs to loans | 0.4188% | 2,050 |
| Credit loss provision to net charge-offs | 88.2956% | 2,577 |
| Earnings coverage of net charge-offs (x) | 5.3143% | 2,398 |
| Efficiency ratio | 63.4383% | 5,030 |
| Assets per employee ($millions) | 5.5147% | 1,682 |
| Cash dividends to net income (ytd only)* | 45.7399% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,301 |
| Loan loss allowance to noncurrent loans | 64.4050% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.9578% | 2,964 |
| Noncurrent loans to loans | 2.2796% | 2,820 |
| Net loans and leases to total assets | 69.0103% | 1,945 |
| Net loans and leases to deposits | 87.8991% | 1,181 |
| Net loans and leases to core deposits | 91.7737% | 1,674 |
| Total domestic deposits to total assets | 78.5108% | 6,185 |
| Equity capital to assets | 12.4336% | 1,764 |
| Core capital (leverage) ratio | 11.2895% | 2,038 |
| Tier 1 risk-based capital ratio | 12.9454% | 5,252 |
| Total risk-based capital ratio | 14.1958% | 5,222 |
| Memoranda: | ||
| Average total assets | $5,842,628,000 | 155 |
| Average earning assets | $5,195,640,000 | 156 |
| Average equity | $730,159,000 | 150 |
| Average total loans | $4,096,826,000 | 142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 4,678 |
| Cost of funding earning assets | 0.7175% | 5,418 |
| Net interest margin | 3.8826% | 3,415 |
| Noninterest income to average assets | 0.7654% | 2,261 |
| Noninterest expense to average assets | 2.6718% | 4,847 |
| Loan and lease loss provision to assets | 0.9806% | 971 |
| Net operating income to assets | 0.4436% | 4,676 |
| Return on assets (ROA) | 0.4697% | 4,748 |
| Pretax return on assets | 0.5744% | 4,768 |
| Return on Equity (ROE) | 3.7211% | 4,986 |
| Retained earnings to average equity (ytd only) | 2.3250% | 4,560 |
| Net charge-offs to loans | 1.6197% | 968 |
| Credit loss provision to net charge-offs | 84.8126% | 4,247 |
| Earnings coverage of net charge-offs (x) | 1.3174% | 4,789 |
| Efficiency ratio | 63.0487% | 5,288 |
| Assets per employee ($millions) | 5.3609% | 1,766 |
| Cash dividends to net income (ytd only)* | 37.5173% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,974 |
| Loan loss allowance to noncurrent loans | 59.5065% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3003% | 2,623 |
| Noncurrent loans to loans | 2.5364% | 2,588 |
| Net loans and leases to total assets | 69.1427% | 2,194 |
| Net loans and leases to deposits | 88.5667% | 1,311 |
| Net loans and leases to core deposits | 91.6900% | 1,921 |
| Total domestic deposits to total assets | 78.0685% | 6,178 |
| Equity capital to assets | 12.5620% | 1,767 |
| Core capital (leverage) ratio | 11.4439% | 1,935 |
| Tier 1 risk-based capital ratio | 12.8835% | 5,167 |
| Total risk-based capital ratio | 14.1339% | 5,140 |
| Memoranda: | ||
| Average total assets | $5,691,981,200 | 156 |
| Average earning assets | $5,027,894,800 | 154 |
| Average equity | $718,532,800 | 149 |
| Average total loans | $4,063,165,800 | 140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 4,644 |
| Cost of funding earning assets | 0.7630% | 5,376 |
| Net interest margin | 3.8955% | 3,402 |
| Noninterest income to average assets | 0.7777% | 2,155 |
| Noninterest expense to average assets | 2.6454% | 4,922 |
| Loan and lease loss provision to assets | 0.7032% | 1,364 |
| Net operating income to assets | 0.6495% | 3,875 |
| Return on assets (ROA) | 0.6814% | 3,879 |
| Pretax return on assets | 0.9097% | 3,723 |
| Return on Equity (ROE) | 5.3912% | 4,340 |
| Retained earnings to average equity (ytd only) | 3.9785% | 3,886 |
| Net charge-offs to loans | 0.9518% | 1,694 |
| Credit loss provision to net charge-offs | 103.0604% | 3,231 |
| Earnings coverage of net charge-offs (x) | 2.3016% | 3,980 |
| Efficiency ratio | 62.1013% | 5,392 |
| Assets per employee ($millions) | 5.1017% | 2,065 |
| Cash dividends to net income (ytd only)* | 26.2052% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 2,886 |
| Loan loss allowance to noncurrent loans | 51.5305% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 3.0948% | 2,065 |
| Noncurrent loans to loans | 3.5219% | 1,954 |
| Net loans and leases to total assets | 69.7139% | 2,137 |
| Net loans and leases to deposits | 86.8472% | 1,570 |
| Net loans and leases to core deposits | 89.8842% | 2,263 |
| Total domestic deposits to total assets | 80.2719% | 5,653 |
| Equity capital to assets | 13.0893% | 1,569 |
| Core capital (leverage) ratio | 11.6215% | 1,941 |
| Tier 1 risk-based capital ratio | 13.1651% | 4,977 |
| Total risk-based capital ratio | 14.4179% | 4,951 |
| Memoranda: | ||
| Average total assets | $5,670,216,250 | 156 |
| Average earning assets | $5,004,370,500 | 155 |
| Average equity | $716,675,750 | 151 |
| Average total loans | $4,064,702,000 | 141 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 4,693 |
| Cost of funding earning assets | 0.7915% | 5,439 |
| Net interest margin | 3.8707% | 3,440 |
| Noninterest income to average assets | 0.8033% | 2,001 |
| Noninterest expense to average assets | 2.6434% | 5,026 |
| Loan and lease loss provision to assets | 0.8053% | 1,140 |
| Net operating income to assets | 0.5734% | 4,193 |
| Return on assets (ROA) | 0.6204% | 4,083 |
| Pretax return on assets | 0.8382% | 3,877 |
| Return on Equity (ROE) | 4.9664% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.6709% | 3,886 |
| Net charge-offs to loans | 0.9276% | 1,677 |
| Credit loss provision to net charge-offs | 120.7298% | 2,528 |
| Earnings coverage of net charge-offs (x) | 2.3688% | 3,638 |
| Efficiency ratio | 61.9418% | 5,592 |
| Assets per employee ($millions) | 5.0196% | 2,095 |
| Cash dividends to net income (ytd only)* | 26.0855% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 2,720 |
| Loan loss allowance to noncurrent loans | 59.4433% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.8934% | 2,327 |
| Noncurrent loans to loans | 3.1669% | 2,265 |
| Net loans and leases to total assets | 69.5609% | 2,305 |
| Net loans and leases to deposits | 85.9977% | 1,798 |
| Net loans and leases to core deposits | 89.4632% | 2,444 |
| Total domestic deposits to total assets | 80.8870% | 5,565 |
| Equity capital to assets | 12.8335% | 1,605 |
| Core capital (leverage) ratio | 11.2973% | 2,049 |
| Tier 1 risk-based capital ratio | 13.0597% | 4,871 |
| Total risk-based capital ratio | 14.3140% | 4,848 |
| Memoranda: | ||
| Average total assets | $5,694,774,000 | 159 |
| Average earning assets | $5,031,973,000 | 158 |
| Average equity | $711,385,330 | 153 |
| Average total loans | $4,095,040,000 | 143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 4,601 |
| Cost of funding earning assets | 0.8053% | 5,550 |
| Net interest margin | 3.8769% | 3,264 |
| Noninterest income to average assets | 0.9118% | 1,622 |
| Noninterest expense to average assets | 2.6028% | 5,213 |
| Loan and lease loss provision to assets | 0.9652% | 811 |
| Net operating income to assets | 0.5521% | 4,263 |
| Return on assets (ROA) | 0.5653% | 4,285 |
| Pretax return on assets | 0.7941% | 3,923 |
| Return on Equity (ROE) | 4.5867% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.1450% | 5,366 |
| Net charge-offs to loans | 0.7963% | 1,628 |
| Credit loss provision to net charge-offs | 167.3976% | 1,720 |
| Earnings coverage of net charge-offs (x) | 3.0191% | 2,874 |
| Efficiency ratio | 59.2956% | 6,081 |
| Assets per employee ($millions) | 5.1099% | 2,016 |
| Cash dividends to net income (ytd only)* | 75.0371% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 2,745 |
| Loan loss allowance to noncurrent loans | 53.3493% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 3.3236% | 2,050 |
| Noncurrent loans to loans | 3.5330% | 2,107 |
| Net loans and leases to total assets | 70.0974% | 2,107 |
| Net loans and leases to deposits | 85.9886% | 1,730 |
| Net loans and leases to core deposits | 90.6792% | 2,280 |
| Total domestic deposits to total assets | 81.5194% | 5,488 |
| Equity capital to assets | 12.3909% | 1,688 |
| Core capital (leverage) ratio | 11.0704% | 2,135 |
| Tier 1 risk-based capital ratio | 12.5979% | 5,172 |
| Total risk-based capital ratio | 13.8558% | 5,140 |
| Memoranda: | ||
| Average total assets | $5,726,157,000 | 157 |
| Average earning assets | $5,068,627,500 | 157 |
| Average equity | $705,686,500 | 152 |
| Average total loans | $4,146,138,000 | 142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 4,672 |
| Cost of funding earning assets | 1.0399% | 5,483 |
| Net interest margin | 3.9354% | 3,319 |
| Noninterest income to average assets | 0.8621% | 2,006 |
| Noninterest expense to average assets | 2.5436% | 5,636 |
| Loan and lease loss provision to assets | 1.0169% | 1,598 |
| Net operating income to assets | 0.6697% | 3,346 |
| Return on assets (ROA) | 0.5759% | 3,940 |
| Pretax return on assets | 0.6875% | 4,018 |
| Return on Equity (ROE) | 5.4415% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.9816% | 2,416 |
| Net charge-offs to loans | 1.6220% | 1,336 |
| Credit loss provision to net charge-offs | 85.5340% | 5,317 |
| Earnings coverage of net charge-offs (x) | 1.5274% | 4,601 |
| Efficiency ratio | 57.5749% | 6,387 |
| Assets per employee ($millions) | 4.9910% | 2,163 |
| Cash dividends to net income (ytd only)* | 8.4509% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 3,262 |
| Loan loss allowance to noncurrent loans | 55.0652% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.9476% | 2,387 |
| Noncurrent loans to loans | 3.0667% | 2,488 |
| Net loans and leases to total assets | 72.1233% | 2,077 |
| Net loans and leases to deposits | 89.3882% | 1,601 |
| Net loans and leases to core deposits | 93.5421% | 2,319 |
| Total domestic deposits to total assets | 80.6855% | 5,625 |
| Equity capital to assets | 12.2575% | 1,765 |
| Core capital (leverage) ratio | 10.8796% | 2,245 |
| Tier 1 risk-based capital ratio | 12.2660% | 5,241 |
| Total risk-based capital ratio | 13.5214% | 5,200 |
| Memoranda: | ||
| Average total assets | $6,052,617,000 | 152 |
| Average earning assets | $5,379,219,200 | 154 |
| Average equity | $640,634,000 | 161 |
| Average total loans | $4,436,729,000 | 133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 4,812 |
| Cost of funding earning assets | 1.0754% | 5,571 |
| Net interest margin | 3.9251% | 3,426 |
| Noninterest income to average assets | 0.8828% | 1,863 |
| Noninterest expense to average assets | 2.5443% | 5,546 |
| Loan and lease loss provision to assets | 1.1651% | 1,239 |
| Net operating income to assets | 0.5497% | 4,090 |
| Return on assets (ROA) | 0.4281% | 4,813 |
| Pretax return on assets | 0.5178% | 4,866 |
| Return on Equity (ROE) | 4.2005% | 4,683 |
| Retained earnings to average equity (ytd only) | 3.5717% | 3,936 |
| Net charge-offs to loans | 1.4708% | 1,372 |
| Credit loss provision to net charge-offs | 108.0876% | 3,942 |
| Earnings coverage of net charge-offs (x) | 1.6972% | 4,431 |
| Efficiency ratio | 57.3567% | 6,370 |
| Assets per employee ($millions) | 5.0810% | 2,077 |
| Cash dividends to net income (ytd only)* | 14.9710% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 2,244 |
| Loan loss allowance to noncurrent loans | 61.5897% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.9797% | 2,438 |
| Noncurrent loans to loans | 3.2343% | 2,450 |
| Net loans and leases to total assets | 72.0539% | 2,243 |
| Net loans and leases to deposits | 88.7149% | 1,904 |
| Net loans and leases to core deposits | 93.0521% | 2,655 |
| Total domestic deposits to total assets | 81.2196% | 5,293 |
| Equity capital to assets | 11.8484% | 2,253 |
| Core capital (leverage) ratio | 10.4026% | 2,798 |
| Tier 1 risk-based capital ratio | 11.7387% | 5,699 |
| Total risk-based capital ratio | 12.9943% | 5,663 |
| Memoranda: | ||
| Average total assets | $6,128,366,750 | 151 |
| Average earning assets | $5,450,458,750 | 152 |
| Average equity | $624,602,500 | 164 |
| Average total loans | $4,491,400,250 | 133 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 4,957 |
| Cost of funding earning assets | 1.1005% | 5,666 |
| Net interest margin | 3.8965% | 3,465 |
| Noninterest income to average assets | 0.8752% | 1,780 |
| Noninterest expense to average assets | 2.5494% | 5,523 |
| Loan and lease loss provision to assets | 1.5761% | 834 |
| Net operating income to assets | 0.3272% | 5,078 |
| Return on assets (ROA) | 0.2022% | 5,684 |
| Pretax return on assets | 0.0985% | 5,980 |
| Return on Equity (ROE) | 2.0906% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.1116% | 5,318 |
| Net charge-offs to loans | 1.8713% | 994 |
| Credit loss provision to net charge-offs | 115.0318% | 3,535 |
| Earnings coverage of net charge-offs (x) | 1.3134% | 4,514 |
| Efficiency ratio | 57.7094% | 6,417 |
| Assets per employee ($millions) | 5.1912% | 1,938 |
| Cash dividends to net income (ytd only)* | 46.8288% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 2,221 |
| Loan loss allowance to noncurrent loans | 59.6514% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.9231% | 2,459 |
| Noncurrent loans to loans | 3.3287% | 2,400 |
| Net loans and leases to total assets | 72.4876% | 2,278 |
| Net loans and leases to deposits | 91.4913% | 1,614 |
| Net loans and leases to core deposits | 96.0382% | 2,432 |
| Total domestic deposits to total assets | 79.2289% | 5,966 |
| Equity capital to assets | 10.2422% | 3,718 |
| Core capital (leverage) ratio | 8.6218% | 5,204 |
| Tier 1 risk-based capital ratio | 9.9163% | 7,072 |
| Total risk-based capital ratio | 11.1718% | 7,043 |
| Memoranda: | ||
| Average total assets | $6,221,740,670 | 150 |
| Average earning assets | $5,546,741,000 | 150 |
| Average equity | $601,829,670 | 168 |
| Average total loans | $4,555,356,000 | 131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 5,280 |
| Cost of funding earning assets | 1.1020% | 5,898 |
| Net interest margin | 3.8358% | 3,643 |
| Noninterest income to average assets | 0.8495% | 1,816 |
| Noninterest expense to average assets | 2.4811% | 5,802 |
| Loan and lease loss provision to assets | 2.8427% | 360 |
| Net operating income to assets | -0.5448% | 6,860 |
| Return on assets (ROA) | -0.6366% | 6,952 |
| Pretax return on assets | -1.1917% | 7,140 |
| Return on Equity (ROE) | -6.7693% | 6,976 |
| Retained earnings to average equity (ytd only) | -8.7475% | 6,880 |
| Net charge-offs to loans | 0.6875% | 2,115 |
| Credit loss provision to net charge-offs | 567.4313% | 764 |
| Earnings coverage of net charge-offs (x) | 3.5821% | 2,856 |
| Efficiency ratio | 57.0578% | 6,621 |
| Assets per employee ($millions) | 5.3964% | 1,767 |
| Cash dividends to net income (ytd only)* | -29.2233% | 7,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 1,198 |
| Loan loss allowance to noncurrent loans | 65.9034% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 3.3368% | 2,136 |
| Noncurrent loans to loans | 3.9203% | 2,021 |
| Net loans and leases to total assets | 71.2683% | 2,627 |
| Net loans and leases to deposits | 95.9938% | 1,109 |
| Net loans and leases to core deposits | 100.8912% | 2,043 |
| Total domestic deposits to total assets | 74.2426% | 7,015 |
| Equity capital to assets | 9.4165% | 4,657 |
| Core capital (leverage) ratio | 8.1362% | 6,013 |
| Tier 1 risk-based capital ratio | 9.3465% | 7,374 |
| Total risk-based capital ratio | 10.6087% | 7,370 |
| Memoranda: | ||
| Average total assets | $6,334,715,500 | 149 |
| Average earning assets | $5,658,075,500 | 150 |
| Average equity | $595,693,500 | 168 |
| Average total loans | $4,615,910,000 | 132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 6,146 |
| Cost of funding earning assets | 1.4009% | 5,926 |
| Net interest margin | 3.6846% | 4,201 |
| Noninterest income to average assets | 0.8465% | 2,196 |
| Noninterest expense to average assets | 2.4477% | 6,309 |
| Loan and lease loss provision to assets | 1.5721% | 1,461 |
| Net operating income to assets | 0.2290% | 4,807 |
| Return on assets (ROA) | -0.1285% | 5,718 |
| Pretax return on assets | -0.4219% | 5,940 |
| Return on Equity (ROE) | -1.3562% | 5,749 |
| Retained earnings to average equity (ytd only) | -6.4421% | 6,188 |
| Net charge-offs to loans | 1.5792% | 1,596 |
| Credit loss provision to net charge-offs | 140.2851% | 3,470 |
| Earnings coverage of net charge-offs (x) | 1.5249% | 4,605 |
| Efficiency ratio | 57.8259% | 6,789 |
| Assets per employee ($millions) | 5.4975% | 1,649 |
| Cash dividends to net income (ytd only)* | -375.0030% | 7,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 2,673 |
| Loan loss allowance to noncurrent loans | 50.0573% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.9790% | 2,356 |
| Noncurrent loans to loans | 3.5176% | 2,159 |
| Net loans and leases to total assets | 71.3022% | 2,927 |
| Net loans and leases to deposits | 100.2061% | 881 |
| Net loans and leases to core deposits | 109.6688% | 2,931 |
| Total domestic deposits to total assets | 71.1556% | 7,323 |
| Equity capital to assets | 9.3910% | 4,575 |
| Core capital (leverage) ratio | 8.4816% | 5,303 |
| Tier 1 risk-based capital ratio | 9.5496% | 7,198 |
| Total risk-based capital ratio | 10.8024% | 7,175 |
| Memoranda: | ||
| Average total assets | $6,397,195,400 | 146 |
| Average earning assets | $5,746,913,400 | 145 |
| Average equity | $606,165,800 | 160 |
| Average total loans | $4,539,558,200 | 132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 6,295 |
| Cost of funding earning assets | 1.4546% | 6,020 |
| Net interest margin | 3.6385% | 4,330 |
| Noninterest income to average assets | 0.8358% | 2,259 |
| Noninterest expense to average assets | 2.4873% | 6,112 |
| Loan and lease loss provision to assets | 1.6566% | 1,133 |
| Net operating income to assets | 0.1188% | 5,410 |
| Return on assets (ROA) | -0.2865% | 6,193 |
| Pretax return on assets | -0.6682% | 6,458 |
| Return on Equity (ROE) | -3.0164% | 6,243 |
| Retained earnings to average equity (ytd only) | -9.2738% | 6,733 |
| Net charge-offs to loans | 1.2344% | 1,654 |
| Credit loss provision to net charge-offs | 190.2017% | 2,389 |
| Earnings coverage of net charge-offs (x) | 1.8619% | 4,414 |
| Efficiency ratio | 59.4350% | 6,492 |
| Assets per employee ($millions) | 5.5468% | 1,569 |
| Cash dividends to net income (ytd only)* | -207.4478% | 8,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 1,911 |
| Loan loss allowance to noncurrent loans | 61.3042% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.7161% | 2,561 |
| Noncurrent loans to loans | 3.1742% | 2,382 |
| Net loans and leases to total assets | 70.6650% | 3,347 |
| Net loans and leases to deposits | 101.2021% | 992 |
| Net loans and leases to core deposits | 112.2541% | 2,997 |
| Total domestic deposits to total assets | 69.8257% | 7,429 |
| Equity capital to assets | 9.3349% | 4,975 |
| Core capital (leverage) ratio | 8.3525% | 5,747 |
| Tier 1 risk-based capital ratio | 9.4287% | 7,421 |
| Total risk-based capital ratio | 10.6833% | 7,385 |
| Memoranda: | ||
| Average total assets | $6,399,484,250 | 153 |
| Average earning assets | $5,756,872,750 | 152 |
| Average equity | $607,732,250 | 163 |
| Average total loans | $4,515,334,000 | 141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 6,217 |
| Cost of funding earning assets | 1.5056% | 6,117 |
| Net interest margin | 3.6566% | 4,132 |
| Noninterest income to average assets | 0.8619% | 2,140 |
| Noninterest expense to average assets | 2.5417% | 5,976 |
| Loan and lease loss provision to assets | 1.7702% | 941 |
| Net operating income to assets | 0.0326% | 5,748 |
| Return on assets (ROA) | -0.3391% | 6,388 |
| Pretax return on assets | -0.7432% | 6,642 |
| Return on Equity (ROE) | -3.5506% | 6,425 |
| Retained earnings to average equity (ytd only) | -11.4931% | 7,008 |
| Net charge-offs to loans | 1.1717% | 1,559 |
| Credit loss provision to net charge-offs | 215.6683% | 2,132 |
| Earnings coverage of net charge-offs (x) | 1.9588% | 4,120 |
| Efficiency ratio | 60.1317% | 6,530 |
| Assets per employee ($millions) | 5.3155% | 1,753 |
| Cash dividends to net income (ytd only)* | -223.6925% | 8,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 1,962 |
| Loan loss allowance to noncurrent loans | 86.2803% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.9119% | 3,324 |
| Noncurrent loans to loans | 2.1219% | 3,349 |
| Net loans and leases to total assets | 69.5900% | 3,798 |
| Net loans and leases to deposits | 98.8735% | 1,408 |
| Net loans and leases to core deposits | 111.4053% | 3,212 |
| Total domestic deposits to total assets | 70.3828% | 7,430 |
| Equity capital to assets | 9.2580% | 4,930 |
| Core capital (leverage) ratio | 8.5336% | 5,382 |
| Tier 1 risk-based capital ratio | 9.7761% | 7,159 |
| Total risk-based capital ratio | 11.0296% | 7,101 |
| Memoranda: | ||
| Average total assets | $6,382,351,000 | 156 |
| Average earning assets | $5,738,220,000 | 152 |
| Average equity | $609,582,670 | 166 |
| Average total loans | $4,470,783,330 | 146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 6,263 |
| Cost of funding earning assets | 1.5730% | 6,147 |
| Net interest margin | 3.6355% | 4,163 |
| Noninterest income to average assets | 0.7763% | 2,452 |
| Noninterest expense to average assets | 2.4886% | 5,882 |
| Loan and lease loss provision to assets | 0.5173% | 2,397 |
| Net operating income to assets | 0.7305% | 3,422 |
| Return on assets (ROA) | 0.2982% | 5,478 |
| Pretax return on assets | 0.4234% | 5,330 |
| Return on Equity (ROE) | 3.0751% | 5,340 |
| Retained earnings to average equity (ytd only) | -4.7712% | 6,526 |
| Net charge-offs to loans | 1.7533% | 829 |
| Credit loss provision to net charge-offs | 42.3710% | 4,786 |
| Earnings coverage of net charge-offs (x) | 1.2764% | 4,101 |
| Efficiency ratio | 60.3424% | 6,344 |
| Assets per employee ($millions) | 5.4566% | 1,601 |
| Cash dividends to net income (ytd only)* | 255.1557% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 6,599 |
| Loan loss allowance to noncurrent loans | 89.1973% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1378% | 4,399 |
| Noncurrent loans to loans | 1.0450% | 4,895 |
| Net loans and leases to total assets | 69.2853% | 3,847 |
| Net loans and leases to deposits | 101.8443% | 1,192 |
| Net loans and leases to core deposits | 116.7253% | 2,717 |
| Total domestic deposits to total assets | 68.0306% | 7,593 |
| Equity capital to assets | 9.6744% | 4,421 |
| Core capital (leverage) ratio | 9.0151% | 4,687 |
| Tier 1 risk-based capital ratio | 10.4274% | 6,467 |
| Total risk-based capital ratio | 11.2025% | 6,882 |
| Memoranda: | ||
| Average total assets | $6,373,593,000 | 157 |
| Average earning assets | $5,733,851,500 | 153 |
| Average equity | $618,124,500 | 159 |
| Average total loans | $4,437,814,500 | 150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9170% | 5,956 |
| Cost of funding earning assets | 2.3700% | 4,851 |
| Net interest margin | 3.5470% | 5,112 |
| Noninterest income to average assets | 0.8667% | 2,127 |
| Noninterest expense to average assets | 2.3372% | 6,598 |
| Loan and lease loss provision to assets | 0.3773% | 3,425 |
| Net operating income to assets | 1.0677% | 2,267 |
| Return on assets (ROA) | 0.9223% | 2,758 |
| Pretax return on assets | 1.1644% | 2,791 |
| Return on Equity (ROE) | 9.0666% | 2,621 |
| Retained earnings to average equity (ytd only) | -1.3829% | 5,703 |
| Net charge-offs to loans | 0.3135% | 3,291 |
| Credit loss provision to net charge-offs | 181.3933% | 2,766 |
| Earnings coverage of net charge-offs (x) | 8.2976% | 2,903 |
| Efficiency ratio | 56.2354% | 6,974 |
| Assets per employee ($millions) | 5.5716% | 1,404 |
| Cash dividends to net income (ytd only)* | 115.2527% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 4,578 |
| Loan loss allowance to noncurrent loans | 73.1636% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 3,891 |
| Noncurrent loans to loans | 1.6321% | 3,324 |
| Net loans and leases to total assets | 68.4914% | 4,371 |
| Net loans and leases to deposits | 101.4009% | 1,658 |
| Net loans and leases to core deposits | 117.1952% | 2,982 |
| Total domestic deposits to total assets | 67.5451% | 7,514 |
| Equity capital to assets | 9.7220% | 4,397 |
| Core capital (leverage) ratio | 9.2373% | 4,382 |
| Tier 1 risk-based capital ratio | 10.6010% | 6,099 |
| Total risk-based capital ratio | 11.5982% | 6,242 |
| Memoranda: | ||
| Average total assets | $6,121,816,200 | 160 |
| Average earning assets | $5,516,504,600 | 159 |
| Average equity | $622,744,400 | 160 |
| Average total loans | $4,061,422,200 | 161 |