| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8876% | 2,306 |
| Cost of funding earning assets | 1.9626% | 974 |
| Net interest margin | 2.9250% | 3,432 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 2.4204% | 2,524 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.0652% | 2,022 |
| Return on assets (ROA) | 1.0523% | 2,030 |
| Pretax return on assets | 1.2637% | 1,975 |
| Return on Equity (ROE) | 12.4800% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.1375% | 1,856 |
| Net charge-offs to loans | 0.2192% | 494 |
| Credit loss provision to net charge-offs | 111.6320% | 1,746 |
| Earnings coverage of net charge-offs (x) | 11.0248% | 2,212 |
| Efficiency ratio | 62.8081% | 2,753 |
| Assets per employee ($millions) | 9.9437% | 715 |
| Cash dividends to net income (ytd only)* | 42.8309% | 1,959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4867% | 1,094 |
| Loan loss allowance to noncurrent loans | 148.1571% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 946 |
| Noncurrent loans to loans | 1.0035% | 737 |
| Net loans and leases to total assets | 56.9500% | 3,124 |
| Net loans and leases to deposits | 74.0045% | 2,615 |
| Net loans and leases to core deposits | 77.3672% | 2,891 |
| Total domestic deposits to total assets | 76.8600% | 3,859 |
| Equity capital to assets | 8.9886% | 2,682 |
| Core capital (leverage) ratio | 8.5554% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9423% | 2,260 |
| Memoranda: |
| Average total assets | $554,665,372,600 | 6 |
| Average earning assets | $495,136,017,200 | 6 |
| Average equity | $46,751,876,000 | 9 |
| Average total loans | $323,755,581,800 | 6 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7781% | 2,313 |
| Cost of funding earning assets | 1.8336% | 954 |
| Net interest margin | 2.9445% | 3,441 |
| Noninterest income to average assets | 1.2100% | 494 |
| Noninterest expense to average assets | 2.2834% | 2,842 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1878% | 1,826 |
| Return on assets (ROA) | 1.1745% | 1,852 |
| Pretax return on assets | 1.4201% | 1,731 |
| Return on Equity (ROE) | 14.1700% | 1,612 |
| Retained earnings to average equity (ytd only) | 9.0889% | 1,657 |
| Net charge-offs to loans | 0.2096% | 420 |
| Credit loss provision to net charge-offs | 112.1079% | 1,534 |
| Earnings coverage of net charge-offs (x) | 12.6935% | 2,056 |
| Efficiency ratio | 59.0884% | 3,076 |
| Assets per employee ($millions) | 9.5210% | 785 |
| Cash dividends to net income (ytd only)* | 35.8621% | 1,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4927% | 1,131 |
| Loan loss allowance to noncurrent loans | 148.8419% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 1,000 |
| Noncurrent loans to loans | 1.0029% | 799 |
| Net loans and leases to total assets | 56.8800% | 3,129 |
| Net loans and leases to deposits | 72.9664% | 2,647 |
| Net loans and leases to core deposits | 75.8540% | 2,874 |
| Total domestic deposits to total assets | 77.8800% | 3,832 |
| Equity capital to assets | 8.5617% | 2,687 |
| Core capital (leverage) ratio | 8.6302% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8622% | 2,316 |
| Memoranda: |
| Average total assets | $553,965,880,000 | 6 |
| Average earning assets | $494,654,825,500 | 6 |
| Average equity | $45,912,823,750 | 9 |
| Average total loans | $324,129,532,750 | 7 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6614% | 2,285 |
| Cost of funding earning assets | 1.6865% | 900 |
| Net interest margin | 2.9749% | 3,496 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 2.2921% | 2,835 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1808% | 1,880 |
| Return on assets (ROA) | 1.1663% | 1,921 |
| Pretax return on assets | 1.4167% | 1,770 |
| Return on Equity (ROE) | 14.2300% | 1,637 |
| Retained earnings to average equity (ytd only) | 9.8267% | 1,457 |
| Net charge-offs to loans | 0.2389% | 345 |
| Credit loss provision to net charge-offs | 107.3829% | 1,391 |
| Earnings coverage of net charge-offs (x) | 11.1792% | 1,973 |
| Efficiency ratio | 58.9791% | 3,076 |
| Assets per employee ($millions) | 9.3883% | 804 |
| Cash dividends to net income (ytd only)* | 30.9384% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4682% | 1,283 |
| Loan loss allowance to noncurrent loans | 157.7563% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 988 |
| Noncurrent loans to loans | 0.9307% | 826 |
| Net loans and leases to total assets | 57.3600% | 3,019 |
| Net loans and leases to deposits | 73.0946% | 2,573 |
| Net loans and leases to core deposits | 75.4748% | 2,796 |
| Total domestic deposits to total assets | 78.4100% | 3,797 |
| Equity capital to assets | 8.4433% | 2,909 |
| Core capital (leverage) ratio | 8.4042% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4799% | 2,472 |
| Memoranda: |
| Average total assets | $554,249,838,000 | 6 |
| Average earning assets | $495,622,373,667 | 6 |
| Average equity | $45,431,766,333 | 9 |
| Average total loans | $325,719,077,000 | 7 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5451% | 2,207 |
| Cost of funding earning assets | 1.5447% | 779 |
| Net interest margin | 3.0003% | 3,596 |
| Noninterest income to average assets | 1.2300% | 429 |
| Noninterest expense to average assets | 2.2546% | 2,944 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.2098% | 1,906 |
| Return on assets (ROA) | 1.1961% | 1,899 |
| Pretax return on assets | 1.4774% | 1,718 |
| Return on Equity (ROE) | 14.8100% | 1,589 |
| Retained earnings to average equity (ytd only) | 5.8764% | 2,799 |
| Net charge-offs to loans | 0.2381% | 319 |
| Credit loss provision to net charge-offs | 117.4392% | 1,042 |
| Earnings coverage of net charge-offs (x) | 11.8088% | 1,626 |
| Efficiency ratio | 57.2122% | 3,279 |
| Assets per employee ($millions) | 9.2181% | 866 |
| Cash dividends to net income (ytd only)* | 60.3325% | 952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4476% | 1,441 |
| Loan loss allowance to noncurrent loans | 150.5461% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 900 |
| Noncurrent loans to loans | 0.9616% | 776 |
| Net loans and leases to total assets | 58.0200% | 2,870 |
| Net loans and leases to deposits | 72.2563% | 2,450 |
| Net loans and leases to core deposits | 74.4487% | 2,642 |
| Total domestic deposits to total assets | 80.2300% | 3,731 |
| Equity capital to assets | 8.2018% | 3,106 |
| Core capital (leverage) ratio | 8.0177% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9591% | 2,742 |
| Memoranda: |
| Average total assets | $554,310,597,000 | 7 |
| Average earning assets | $495,708,538,500 | 6 |
| Average equity | $44,754,408,000 | 9 |
| Average total loans | $327,272,789,500 | 7 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1553% | 3,897 |
| Cost of funding earning assets | 0.4474% | 1,741 |
| Net interest margin | 2.7079% | 4,045 |
| Noninterest income to average assets | 1.3100% | 406 |
| Noninterest expense to average assets | 2.3248% | 2,659 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0728% | 2,289 |
| Return on assets (ROA) | 1.0585% | 2,287 |
| Pretax return on assets | 1.2918% | 2,115 |
| Return on Equity (ROE) | 12.5500% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.0703% | 3,373 |
| Net charge-offs to loans | 0.1825% | 453 |
| Credit loss provision to net charge-offs | 78.0066% | 1,692 |
| Earnings coverage of net charge-offs (x) | 13.5050% | 2,065 |
| Efficiency ratio | 62.0972% | 2,750 |
| Assets per employee ($millions) | 9.1363% | 872 |
| Cash dividends to net income (ytd only)* | 67.5588% | 733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4495% | 1,336 |
| Loan loss allowance to noncurrent loans | 149.6967% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 867 |
| Noncurrent loans to loans | 0.9683% | 763 |
| Net loans and leases to total assets | 58.3600% | 2,789 |
| Net loans and leases to deposits | 72.9242% | 2,334 |
| Net loans and leases to core deposits | 75.0193% | 2,497 |
| Total domestic deposits to total assets | 79.9700% | 3,880 |
| Equity capital to assets | 7.9450% | 3,095 |
| Core capital (leverage) ratio | 7.9987% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7937% | 2,791 |
| Memoranda: |
| Average total assets | $545,368,726,400 | 6 |
| Average earning assets | $486,013,833,800 | 6 |
| Average equity | $46,010,105,000 | 7 |
| Average total loans | $308,449,738,000 | 6 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8226% | 4,163 |
| Cost of funding earning assets | 0.2351% | 2,870 |
| Net interest margin | 2.5876% | 4,118 |
| Noninterest income to average assets | 1.3000% | 432 |
| Noninterest expense to average assets | 2.3001% | 2,628 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0544% | 2,272 |
| Return on assets (ROA) | 1.0399% | 2,289 |
| Pretax return on assets | 1.2789% | 2,113 |
| Return on Equity (ROE) | 12.1500% | 1,988 |
| Retained earnings to average equity (ytd only) | 2.4059% | 3,937 |
| Net charge-offs to loans | 0.1488% | 444 |
| Credit loss provision to net charge-offs | 17.1610% | 1,639 |
| Earnings coverage of net charge-offs (x) | 15.7593% | 1,836 |
| Efficiency ratio | 63.2718% | 2,651 |
| Assets per employee ($millions) | 9.1975% | 830 |
| Cash dividends to net income (ytd only)* | 80.1914% | 404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4473% | 1,460 |
| Loan loss allowance to noncurrent loans | 140.1068% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 893 |
| Noncurrent loans to loans | 1.0330% | 738 |
| Net loans and leases to total assets | 56.3700% | 2,869 |
| Net loans and leases to deposits | 70.2638% | 2,339 |
| Net loans and leases to core deposits | 70.9380% | 2,572 |
| Total domestic deposits to total assets | 80.1700% | 4,084 |
| Equity capital to assets | 7.6858% | 3,098 |
| Core capital (leverage) ratio | 7.9849% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8475% | 2,861 |
| Memoranda: |
| Average total assets | $543,634,126,250 | 6 |
| Average earning assets | $484,358,241,750 | 6 |
| Average equity | $46,542,407,500 | 6 |
| Average total loans | $303,798,727,250 | 6 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5525% | 4,327 |
| Cost of funding earning assets | 0.1112% | 4,066 |
| Net interest margin | 2.4413% | 4,175 |
| Noninterest income to average assets | 1.3183% | 409 |
| Noninterest expense to average assets | 2.3087% | 2,524 |
| Loan and lease loss provision to assets | -0.0645% | 4,545 |
| Net operating income to assets | 1.0272% | 2,060 |
| Return on assets (ROA) | 1.0117% | 2,082 |
| Pretax return on assets | 1.2335% | 1,952 |
| Return on Equity (ROE) | 11.4182% | 1,857 |
| Retained earnings to average equity (ytd only) | 2.2283% | 3,685 |
| Net charge-offs to loans | 0.1469% | 438 |
| Credit loss provision to net charge-offs | -83.1050% | 3,086 |
| Earnings coverage of net charge-offs (x) | 14.5493% | 1,653 |
| Efficiency ratio | 65.6211% | 2,562 |
| Assets per employee ($millions) | 8.9519% | 901 |
| Cash dividends to net income (ytd only)* | 80.4843% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4302% | 1,637 |
| Loan loss allowance to noncurrent loans | 136.8816% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 902 |
| Noncurrent loans to loans | 1.0448% | 796 |
| Net loans and leases to total assets | 57.5579% | 2,575 |
| Net loans and leases to deposits | 68.8025% | 2,317 |
| Net loans and leases to core deposits | 69.5007% | 2,523 |
| Total domestic deposits to total assets | 83.5939% | 3,776 |
| Equity capital to assets | 8.3004% | 2,904 |
| Core capital (leverage) ratio | 7.9535% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1197% | 2,781 |
| Memoranda: |
| Average total assets | $540,380,435,667 | 6 |
| Average earning assets | $481,497,088,333 | 6 |
| Average equity | $47,878,911,000 | 6 |
| Average total loans | $299,547,656,667 | 6 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3784% | 4,394 |
| Cost of funding earning assets | 0.0651% | 4,492 |
| Net interest margin | 2.3133% | 4,214 |
| Noninterest income to average assets | 1.2447% | 458 |
| Noninterest expense to average assets | 2.2392% | 2,721 |
| Loan and lease loss provision to assets | -0.1529% | 4,650 |
| Net operating income to assets | 1.0118% | 1,827 |
| Return on assets (ROA) | 0.9947% | 1,892 |
| Pretax return on assets | 1.2096% | 1,778 |
| Return on Equity (ROE) | 10.8888% | 1,653 |
| Retained earnings to average equity (ytd only) | 2.0253% | 3,532 |
| Net charge-offs to loans | 0.1866% | 324 |
| Credit loss provision to net charge-offs | -126.0275% | 2,914 |
| Earnings coverage of net charge-offs (x) | 10.6644% | 1,457 |
| Efficiency ratio | 67.0856% | 2,622 |
| Assets per employee ($millions) | 8.9076% | 952 |
| Cash dividends to net income (ytd only)* | 81.4000% | 687 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5399% | 1,427 |
| Loan loss allowance to noncurrent loans | 124.9052% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 831 |
| Noncurrent loans to loans | 1.2329% | 715 |
| Net loans and leases to total assets | 54.4844% | 2,697 |
| Net loans and leases to deposits | 64.1230% | 2,518 |
| Net loans and leases to core deposits | 64.8516% | 2,729 |
| Total domestic deposits to total assets | 84.9093% | 3,560 |
| Equity capital to assets | 8.7304% | 2,947 |
| Core capital (leverage) ratio | 7.8299% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5979% | 2,746 |
| Memoranda: |
| Average total assets | $543,397,360,000 | 6 |
| Average earning assets | $485,932,743,000 | 6 |
| Average equity | $49,641,989,500 | 6 |
| Average total loans | $293,311,014,500 | 6 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2028% | 4,621 |
| Cost of funding earning assets | 0.0717% | 4,581 |
| Net interest margin | 2.1311% | 4,522 |
| Noninterest income to average assets | 1.2805% | 651 |
| Noninterest expense to average assets | 2.2128% | 3,039 |
| Loan and lease loss provision to assets | -0.1399% | 4,609 |
| Net operating income to assets | 0.9078% | 3,006 |
| Return on assets (ROA) | 0.9086% | 3,069 |
| Pretax return on assets | 1.1249% | 2,892 |
| Return on Equity (ROE) | 9.0856% | 2,880 |
| Retained earnings to average equity (ytd only) | 1.9102% | 4,003 |
| Net charge-offs to loans | 0.2200% | 424 |
| Credit loss provision to net charge-offs | -135.0784% | 3,426 |
| Earnings coverage of net charge-offs (x) | 8.3374% | 2,304 |
| Efficiency ratio | 68.8924% | 1,869 |
| Assets per employee ($millions) | 9.2544% | 849 |
| Cash dividends to net income (ytd only)* | 78.9758% | 523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6750% | 1,103 |
| Loan loss allowance to noncurrent loans | 123.6794% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 877 |
| Noncurrent loans to loans | 1.3543% | 691 |
| Net loans and leases to total assets | 51.7779% | 3,093 |
| Net loans and leases to deposits | 61.6027% | 2,927 |
| Net loans and leases to core deposits | 63.2162% | 3,054 |
| Total domestic deposits to total assets | 82.9080% | 3,831 |
| Equity capital to assets | 9.5280% | 3,122 |
| Core capital (leverage) ratio | 7.7662% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9077% | 2,661 |
| Memoranda: |
| Average total assets | $557,456,336,000 | 5 |
| Average earning assets | $500,803,389,200 | 5 |
| Average equity | $55,746,099,200 | 6 |
| Average total loans | $298,501,356,200 | 6 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3616% | 4,648 |
| Cost of funding earning assets | 0.0870% | 4,595 |
| Net interest margin | 2.2746% | 4,508 |
| Noninterest income to average assets | 1.4318% | 589 |
| Noninterest expense to average assets | 2.3346% | 2,644 |
| Loan and lease loss provision to assets | -0.3908% | 4,859 |
| Net operating income to assets | 1.2262% | 2,080 |
| Return on assets (ROA) | 1.2278% | 2,132 |
| Pretax return on assets | 1.5241% | 1,926 |
| Return on Equity (ROE) | 12.3394% | 1,922 |
| Retained earnings to average equity (ytd only) | 5.0917% | 3,183 |
| Net charge-offs to loans | 0.1342% | 604 |
| Credit loss provision to net charge-offs | -543.0115% | 3,673 |
| Earnings coverage of net charge-offs (x) | 16.2820% | 1,838 |
| Efficiency ratio | 67.2094% | 1,938 |
| Assets per employee ($millions) | 8.9728% | 901 |
| Cash dividends to net income (ytd only)* | 58.7362% | 879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6128% | 1,307 |
| Loan loss allowance to noncurrent loans | 134.6498% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 1,230 |
| Noncurrent loans to loans | 1.1978% | 930 |
| Net loans and leases to total assets | 50.3457% | 3,370 |
| Net loans and leases to deposits | 61.0255% | 3,134 |
| Net loans and leases to core deposits | 62.8217% | 3,235 |
| Total domestic deposits to total assets | 81.0396% | 4,087 |
| Equity capital to assets | 9.9815% | 2,925 |
| Core capital (leverage) ratio | 8.0922% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1448% | 2,661 |
| Memoranda: |
| Average total assets | $462,188,997,750 | 7 |
| Average earning assets | $412,826,935,000 | 7 |
| Average equity | $45,990,334,500 | 8 |
| Average total loans | $238,792,165,500 | 7 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3663% | 4,689 |
| Cost of funding earning assets | 0.0915% | 4,627 |
| Net interest margin | 2.2748% | 4,541 |
| Noninterest income to average assets | 1.4118% | 603 |
| Noninterest expense to average assets | 2.2297% | 2,983 |
| Loan and lease loss provision to assets | -0.5189% | 4,910 |
| Net operating income to assets | 1.3954% | 1,579 |
| Return on assets (ROA) | 1.3986% | 1,640 |
| Pretax return on assets | 1.7423% | 1,378 |
| Return on Equity (ROE) | 14.0700% | 1,393 |
| Retained earnings to average equity (ytd only) | 7.1038% | 2,393 |
| Net charge-offs to loans | 0.1697% | 495 |
| Credit loss provision to net charge-offs | -546.5234% | 3,492 |
| Earnings coverage of net charge-offs (x) | 13.8405% | 1,681 |
| Efficiency ratio | 64.4989% | 2,360 |
| Assets per employee ($millions) | 8.9023% | 890 |
| Cash dividends to net income (ytd only)* | 49.5109% | 1,246 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7154% | 1,030 |
| Loan loss allowance to noncurrent loans | 134.7095% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 1,245 |
| Noncurrent loans to loans | 1.2734% | 928 |
| Net loans and leases to total assets | 51.0997% | 3,439 |
| Net loans and leases to deposits | 61.7803% | 3,225 |
| Net loans and leases to core deposits | 63.7660% | 3,310 |
| Total domestic deposits to total assets | 81.1894% | 4,065 |
| Equity capital to assets | 10.2177% | 2,652 |
| Core capital (leverage) ratio | 7.9963% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4395% | 2,563 |
| Memoranda: |
| Average total assets | $462,123,463,667 | 7 |
| Average earning assets | $413,450,037,000 | 7 |
| Average equity | $45,936,091,333 | 7 |
| Average total loans | $239,520,486,333 | 7 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3511% | 4,741 |
| Cost of funding earning assets | 0.0989% | 4,653 |
| Net interest margin | 2.2522% | 4,566 |
| Noninterest income to average assets | 1.3519% | 714 |
| Noninterest expense to average assets | 2.0998% | 3,427 |
| Loan and lease loss provision to assets | -0.4725% | 4,912 |
| Net operating income to assets | 1.3976% | 1,583 |
| Return on assets (ROA) | 1.4059% | 1,633 |
| Pretax return on assets | 1.7571% | 1,386 |
| Return on Equity (ROE) | 14.3379% | 1,368 |
| Retained earnings to average equity (ytd only) | 7.7750% | 2,321 |
| Net charge-offs to loans | 0.2419% | 349 |
| Credit loss provision to net charge-offs | -344.0356% | 3,082 |
| Earnings coverage of net charge-offs (x) | 10.1626% | 1,511 |
| Efficiency ratio | 62.0855% | 2,741 |
| Assets per employee ($millions) | 9.1802% | 782 |
| Cash dividends to net income (ytd only)* | 45.7731% | 1,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9724% | 631 |
| Loan loss allowance to noncurrent loans | 144.6490% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 1,335 |
| Noncurrent loans to loans | 1.3636% | 935 |
| Net loans and leases to total assets | 49.9212% | 3,634 |
| Net loans and leases to deposits | 60.1580% | 3,467 |
| Net loans and leases to core deposits | 63.0069% | 3,496 |
| Total domestic deposits to total assets | 81.1858% | 4,036 |
| Equity capital to assets | 9.6773% | 3,030 |
| Core capital (leverage) ratio | 7.9218% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4900% | 2,492 |
| Memoranda: |
| Average total assets | $466,198,393,000 | 7 |
| Average earning assets | $418,145,954,000 | 7 |
| Average equity | $45,711,338,000 | 7 |
| Average total loans | $241,266,693,000 | 7 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8504% | 4,730 |
| Cost of funding earning assets | 0.3078% | 4,099 |
| Net interest margin | 2.5426% | 4,550 |
| Noninterest income to average assets | 1.3972% | 603 |
| Noninterest expense to average assets | 2.2711% | 3,488 |
| Loan and lease loss provision to assets | 0.6986% | 232 |
| Net operating income to assets | 0.6076% | 3,729 |
| Return on assets (ROA) | 0.6428% | 3,741 |
| Pretax return on assets | 0.7349% | 3,803 |
| Return on Equity (ROE) | 6.3960% | 3,450 |
| Retained earnings to average equity (ytd only) | 1.2124% | 4,141 |
| Net charge-offs to loans | 0.3297% | 536 |
| Credit loss provision to net charge-offs | 358.6546% | 1,558 |
| Earnings coverage of net charge-offs (x) | 7.3726% | 2,700 |
| Efficiency ratio | 61.6578% | 3,197 |
| Assets per employee ($millions) | 9.1362% | 706 |
| Cash dividends to net income (ytd only)* | 81.0450% | 614 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2014% | 410 |
| Loan loss allowance to noncurrent loans | 157.8396% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 1,385 |
| Noncurrent loans to loans | 1.3947% | 977 |
| Net loans and leases to total assets | 51.4315% | 3,710 |
| Net loans and leases to deposits | 62.5269% | 3,570 |
| Net loans and leases to core deposits | 65.6056% | 3,572 |
| Total domestic deposits to total assets | 80.3758% | 3,985 |
| Equity capital to assets | 9.9347% | 3,194 |
| Core capital (leverage) ratio | 7.8534% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2258% | 2,543 |
| Memoranda: |
| Average total assets | $441,472,732,800 | 7 |
| Average earning assets | $393,070,819,400 | 7 |
| Average equity | $44,370,484,000 | 7 |
| Average total loans | $252,425,199,600 | 7 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9746% | 4,750 |
| Cost of funding earning assets | 0.3740% | 3,940 |
| Net interest margin | 2.6006% | 4,569 |
| Noninterest income to average assets | 1.4035% | 569 |
| Noninterest expense to average assets | 2.3009% | 3,419 |
| Loan and lease loss provision to assets | 0.9882% | 146 |
| Net operating income to assets | 0.4008% | 4,263 |
| Return on assets (ROA) | 0.4437% | 4,243 |
| Pretax return on assets | 0.4735% | 4,335 |
| Return on Equity (ROE) | 4.4012% | 4,065 |
| Retained earnings to average equity (ytd only) | 1.6716% | 4,038 |
| Net charge-offs to loans | 0.3158% | 503 |
| Credit loss provision to net charge-offs | 522.0101% | 1,257 |
| Earnings coverage of net charge-offs (x) | 7.6679% | 2,559 |
| Efficiency ratio | 61.5593% | 3,143 |
| Assets per employee ($millions) | 8.9956% | 691 |
| Cash dividends to net income (ytd only)* | 62.0190% | 1,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2905% | 300 |
| Loan loss allowance to noncurrent loans | 178.1180% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 1,624 |
| Noncurrent loans to loans | 1.2859% | 1,157 |
| Net loans and leases to total assets | 53.6307% | 3,834 |
| Net loans and leases to deposits | 66.2344% | 3,598 |
| Net loans and leases to core deposits | 72.5458% | 3,429 |
| Total domestic deposits to total assets | 75.9740% | 4,428 |
| Equity capital to assets | 10.1097% | 3,138 |
| Core capital (leverage) ratio | 7.9113% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1625% | 2,553 |
| Memoranda: |
| Average total assets | $436,066,588,750 | 7 |
| Average earning assets | $387,596,465,750 | 7 |
| Average equity | $43,961,325,000 | 7 |
| Average total loans | $254,646,643,000 | 7 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1547% | 4,752 |
| Cost of funding earning assets | 0.4885% | 3,602 |
| Net interest margin | 2.6662% | 4,591 |
| Noninterest income to average assets | 1.4186% | 521 |
| Noninterest expense to average assets | 2.3633% | 3,363 |
| Loan and lease loss provision to assets | 1.4953% | 86 |
| Net operating income to assets | -0.0020% | 4,779 |
| Return on assets (ROA) | 0.0616% | 4,745 |
| Pretax return on assets | -0.0138% | 4,798 |
| Return on Equity (ROE) | 0.6113% | 4,735 |
| Retained earnings to average equity (ytd only) | -3.5555% | 4,696 |
| Net charge-offs to loans | 0.3498% | 460 |
| Credit loss provision to net charge-offs | 708.7089% | 996 |
| Earnings coverage of net charge-offs (x) | 6.7958% | 2,417 |
| Efficiency ratio | 62.1245% | 3,108 |
| Assets per employee ($millions) | 8.7314% | 742 |
| Cash dividends to net income (ytd only)* | 681.6633% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2826% | 292 |
| Loan loss allowance to noncurrent loans | 206.4257% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 1,885 |
| Noncurrent loans to loans | 1.1058% | 1,420 |
| Net loans and leases to total assets | 55.7366% | 3,712 |
| Net loans and leases to deposits | 69.4839% | 3,462 |
| Net loans and leases to core deposits | 77.1232% | 3,184 |
| Total domestic deposits to total assets | 74.2547% | 4,575 |
| Equity capital to assets | 9.8835% | 3,304 |
| Core capital (leverage) ratio | 7.7663% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6219% | 2,763 |
| Memoranda: |
| Average total assets | $428,937,398,667 | 7 |
| Average earning assets | $380,109,084,333 | 7 |
| Average equity | $43,199,387,000 | 7 |
| Average total loans | $255,833,168,333 | 7 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4635% | 4,671 |
| Cost of funding earning assets | 0.7037% | 2,918 |
| Net interest margin | 2.7599% | 4,610 |
| Noninterest income to average assets | 1.6124% | 351 |
| Noninterest expense to average assets | 2.3474% | 3,664 |
| Loan and lease loss provision to assets | 0.9205% | 243 |
| Net operating income to assets | 0.6787% | 3,338 |
| Return on assets (ROA) | 0.8233% | 2,906 |
| Pretax return on assets | 0.9444% | 3,018 |
| Return on Equity (ROE) | 8.0920% | 2,480 |
| Retained earnings to average equity (ytd only) | -0.4188% | 4,060 |
| Net charge-offs to loans | 0.3340% | 433 |
| Credit loss provision to net charge-offs | 449.0578% | 940 |
| Earnings coverage of net charge-offs (x) | 8.3231% | 1,868 |
| Efficiency ratio | 57.6655% | 4,045 |
| Assets per employee ($millions) | 8.3583% | 649 |
| Cash dividends to net income (ytd only)* | 105.1756% | 710 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4779% | 1,421 |
| Loan loss allowance to noncurrent loans | 145.6310% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 2,065 |
| Noncurrent loans to loans | 1.0148% | 1,632 |
| Net loans and leases to total assets | 60.6083% | 3,436 |
| Net loans and leases to deposits | 83.8748% | 2,253 |
| Net loans and leases to core deposits | 90.8690% | 2,266 |
| Total domestic deposits to total assets | 68.6991% | 4,902 |
| Equity capital to assets | 9.8693% | 3,907 |
| Core capital (leverage) ratio | 8.1602% | 4,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4065% | 3,247 |
| Memoranda: |
| Average total assets | $415,753,151,000 | 7 |
| Average earning assets | $366,446,893,000 | 7 |
| Average equity | $42,299,055,500 | 8 |
| Average total loans | $253,899,651,500 | 7 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9742% | 4,312 |
| Cost of funding earning assets | 1.0532% | 1,502 |
| Net interest margin | 2.9210% | 4,633 |
| Noninterest income to average assets | 1.5846% | 370 |
| Noninterest expense to average assets | 2.6318% | 3,091 |
| Loan and lease loss provision to assets | 0.1909% | 1,072 |
| Net operating income to assets | 1.1337% | 2,320 |
| Return on assets (ROA) | 1.1319% | 2,420 |
| Pretax return on assets | 1.3506% | 2,327 |
| Return on Equity (ROE) | 10.7159% | 1,996 |
| Retained earnings to average equity (ytd only) | 1.9219% | 4,034 |
| Net charge-offs to loans | 0.2723% | 765 |
| Credit loss provision to net charge-offs | 115.2546% | 2,184 |
| Earnings coverage of net charge-offs (x) | 9.3048% | 2,683 |
| Efficiency ratio | 62.6278% | 3,273 |
| Assets per employee ($millions) | 7.7275% | 788 |
| Cash dividends to net income (ytd only)* | 82.0652% | 735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1380% | 2,755 |
| Loan loss allowance to noncurrent loans | 107.7469% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 1,925 |
| Noncurrent loans to loans | 1.0562% | 1,436 |
| Net loans and leases to total assets | 59.8921% | 3,593 |
| Net loans and leases to deposits | 80.4454% | 2,728 |
| Net loans and leases to core deposits | 86.9868% | 2,712 |
| Total domestic deposits to total assets | 71.0381% | 4,894 |
| Equity capital to assets | 10.5066% | 3,438 |
| Core capital (leverage) ratio | 8.3364% | 4,929 |
| Tier 1 risk-based capital ratio | 9.9356% | 5,130 |
| Total risk-based capital ratio | 12.0511% | 4,833 |
| Memoranda: |
| Average total assets | $387,569,580,400 | 6 |
| Average earning assets | $343,440,134,000 | 6 |
| Average equity | $40,936,959,000 | 7 |
| Average total loans | $235,804,503,200 | 6 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0469% | 4,264 |
| Cost of funding earning assets | 1.1014% | 1,349 |
| Net interest margin | 2.9455% | 4,701 |
| Noninterest income to average assets | 1.5923% | 367 |
| Noninterest expense to average assets | 2.6107% | 3,138 |
| Loan and lease loss provision to assets | 0.1843% | 981 |
| Net operating income to assets | 1.1640% | 2,323 |
| Return on assets (ROA) | 1.1627% | 2,415 |
| Pretax return on assets | 1.4051% | 2,292 |
| Return on Equity (ROE) | 10.9930% | 2,018 |
| Retained earnings to average equity (ytd only) | 2.1534% | 4,218 |
| Net charge-offs to loans | 0.2464% | 716 |
| Credit loss provision to net charge-offs | 122.7909% | 1,918 |
| Earnings coverage of net charge-offs (x) | 10.5832% | 2,490 |
| Efficiency ratio | 61.7341% | 3,363 |
| Assets per employee ($millions) | 7.6865% | 779 |
| Cash dividends to net income (ytd only)* | 80.4108% | 649 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1428% | 2,810 |
| Loan loss allowance to noncurrent loans | 105.8381% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 1,994 |
| Noncurrent loans to loans | 1.0798% | 1,471 |
| Net loans and leases to total assets | 59.8388% | 3,688 |
| Net loans and leases to deposits | 80.8862% | 2,812 |
| Net loans and leases to core deposits | 87.2903% | 2,801 |
| Total domestic deposits to total assets | 70.8016% | 4,963 |
| Equity capital to assets | 10.5406% | 3,510 |
| Core capital (leverage) ratio | 8.3158% | 5,025 |
| Tier 1 risk-based capital ratio | 9.8993% | 5,203 |
| Total risk-based capital ratio | 11.8442% | 4,974 |
| Memoranda: |
| Average total assets | $385,036,159,500 | 6 |
| Average earning assets | $340,790,145,250 | 6 |
| Average equity | $40,724,959,000 | 7 |
| Average total loans | $234,521,931,250 | 6 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0685% | 4,234 |
| Cost of funding earning assets | 1.1007% | 1,302 |
| Net interest margin | 2.9678% | 4,735 |
| Noninterest income to average assets | 1.5757% | 369 |
| Noninterest expense to average assets | 2.6241% | 3,135 |
| Loan and lease loss provision to assets | 0.1900% | 928 |
| Net operating income to assets | 1.1548% | 2,310 |
| Return on assets (ROA) | 1.1577% | 2,369 |
| Pretax return on assets | 1.3929% | 2,229 |
| Return on Equity (ROE) | 10.9330% | 2,006 |
| Retained earnings to average equity (ytd only) | 2.0208% | 4,109 |
| Net charge-offs to loans | 0.2388% | 703 |
| Credit loss provision to net charge-offs | 130.3946% | 1,659 |
| Earnings coverage of net charge-offs (x) | 10.8215% | 2,238 |
| Efficiency ratio | 62.0213% | 3,430 |
| Assets per employee ($millions) | 7.6203% | 765 |
| Cash dividends to net income (ytd only)* | 81.5167% | 793 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1415% | 2,836 |
| Loan loss allowance to noncurrent loans | 104.7184% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 1,986 |
| Noncurrent loans to loans | 1.0901% | 1,504 |
| Net loans and leases to total assets | 59.9190% | 3,736 |
| Net loans and leases to deposits | 84.3573% | 2,453 |
| Net loans and leases to core deposits | 90.2564% | 2,575 |
| Total domestic deposits to total assets | 68.5054% | 5,091 |
| Equity capital to assets | 10.4880% | 3,526 |
| Core capital (leverage) ratio | 8.4303% | 4,990 |
| Tier 1 risk-based capital ratio | 9.8560% | 5,244 |
| Total risk-based capital ratio | 11.8541% | 4,981 |
| Memoranda: |
| Average total assets | $381,453,880,000 | 6 |
| Average earning assets | $337,466,380,670 | 6 |
| Average equity | $40,394,035,000 | 7 |
| Average total loans | $232,839,395,330 | 6 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0847% | 4,167 |
| Cost of funding earning assets | 1.0875% | 1,227 |
| Net interest margin | 2.9972% | 4,756 |
| Noninterest income to average assets | 1.5192% | 375 |
| Noninterest expense to average assets | 2.6101% | 3,188 |
| Loan and lease loss provision to assets | 0.2071% | 765 |
| Net operating income to assets | 1.1188% | 2,396 |
| Return on assets (ROA) | 1.1199% | 2,443 |
| Pretax return on assets | 1.3576% | 2,240 |
| Return on Equity (ROE) | 10.5227% | 2,149 |
| Retained earnings to average equity (ytd only) | 3.5171% | 3,509 |
| Net charge-offs to loans | 0.2367% | 607 |
| Credit loss provision to net charge-offs | 142.8220% | 1,281 |
| Earnings coverage of net charge-offs (x) | 10.7649% | 1,944 |
| Efficiency ratio | 62.1240% | 3,515 |
| Assets per employee ($millions) | 7.3445% | 864 |
| Cash dividends to net income (ytd only)* | 66.5759% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1553% | 2,821 |
| Loan loss allowance to noncurrent loans | 102.3706% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 1,944 |
| Noncurrent loans to loans | 1.1286% | 1,478 |
| Net loans and leases to total assets | 60.5087% | 3,657 |
| Net loans and leases to deposits | 83.1358% | 2,490 |
| Net loans and leases to core deposits | 88.8949% | 2,604 |
| Total domestic deposits to total assets | 70.3373% | 5,099 |
| Equity capital to assets | 10.6471% | 3,207 |
| Core capital (leverage) ratio | 8.5321% | 4,991 |
| Tier 1 risk-based capital ratio | 9.9380% | 5,296 |
| Total risk-based capital ratio | 11.9748% | 4,999 |
| Memoranda: |
| Average total assets | $375,547,195,000 | 6 |
| Average earning assets | $332,316,802,500 | 6 |
| Average equity | $39,968,160,500 | 7 |
| Average total loans | $230,077,600,500 | 6 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8057% | 4,477 |
| Cost of funding earning assets | 0.8216% | 1,433 |
| Net interest margin | 2.9840% | 4,818 |
| Noninterest income to average assets | 1.6082% | 365 |
| Noninterest expense to average assets | 2.6941% | 3,042 |
| Loan and lease loss provision to assets | 0.1135% | 1,941 |
| Net operating income to assets | 1.2050% | 2,149 |
| Return on assets (ROA) | 1.1870% | 2,231 |
| Pretax return on assets | 1.4328% | 2,020 |
| Return on Equity (ROE) | 11.3844% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.6308% | 2,973 |
| Net charge-offs to loans | 0.1871% | 1,026 |
| Credit loss provision to net charge-offs | 99.9073% | 2,564 |
| Earnings coverage of net charge-offs (x) | 13.7660% | 2,426 |
| Efficiency ratio | 62.7075% | 3,401 |
| Assets per employee ($millions) | 7.0816% | 941 |
| Cash dividends to net income (ytd only)* | 59.3230% | 1,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1574% | 2,785 |
| Loan loss allowance to noncurrent loans | 96.6545% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 1,834 |
| Noncurrent loans to loans | 1.1975% | 1,336 |
| Net loans and leases to total assets | 60.6049% | 3,702 |
| Net loans and leases to deposits | 82.2739% | 2,698 |
| Net loans and leases to core deposits | 87.2644% | 2,813 |
| Total domestic deposits to total assets | 71.3075% | 5,110 |
| Equity capital to assets | 10.6381% | 3,041 |
| Core capital (leverage) ratio | 8.3387% | 5,096 |
| Tier 1 risk-based capital ratio | 9.8086% | 5,343 |
| Total risk-based capital ratio | 11.9189% | 5,021 |
| Memoranda: |
| Average total assets | $369,224,942,200 | 6 |
| Average earning assets | $327,931,679,800 | 6 |
| Average equity | $38,498,057,400 | 7 |
| Average total loans | $224,211,813,400 | 6 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7238% | 4,609 |
| Cost of funding earning assets | 0.7590% | 1,542 |
| Net interest margin | 2.9648% | 4,898 |
| Noninterest income to average assets | 1.5841% | 390 |
| Noninterest expense to average assets | 2.6876% | 3,004 |
| Loan and lease loss provision to assets | 0.0968% | 2,043 |
| Net operating income to assets | 1.1842% | 2,296 |
| Return on assets (ROA) | 1.1638% | 2,402 |
| Pretax return on assets | 1.4114% | 2,188 |
| Return on Equity (ROE) | 11.2183% | 2,083 |
| Retained earnings to average equity (ytd only) | 6.3407% | 2,465 |
| Net charge-offs to loans | 0.1863% | 900 |
| Credit loss provision to net charge-offs | 85.7331% | 2,462 |
| Earnings coverage of net charge-offs (x) | 13.5474% | 2,349 |
| Efficiency ratio | 63.1749% | 3,305 |
| Assets per employee ($millions) | 7.0332% | 922 |
| Cash dividends to net income (ytd only)* | 43.4791% | 1,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1530% | 2,892 |
| Loan loss allowance to noncurrent loans | 95.0845% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7706% | 1,930 |
| Noncurrent loans to loans | 1.2126% | 1,393 |
| Net loans and leases to total assets | 60.1035% | 3,830 |
| Net loans and leases to deposits | 81.9806% | 2,817 |
| Net loans and leases to core deposits | 86.8828% | 2,930 |
| Total domestic deposits to total assets | 70.9625% | 5,181 |
| Equity capital to assets | 10.5544% | 3,089 |
| Core capital (leverage) ratio | 8.3184% | 5,194 |
| Tier 1 risk-based capital ratio | 9.6912% | 5,422 |
| Total risk-based capital ratio | 11.8608% | 5,119 |
| Memoranda: |
| Average total assets | $368,905,945,750 | 6 |
| Average earning assets | $327,579,943,750 | 6 |
| Average equity | $38,269,025,750 | 7 |
| Average total loans | $223,471,985,250 | 6 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6310% | 4,715 |
| Cost of funding earning assets | 0.7010% | 1,617 |
| Net interest margin | 2.9301% | 4,973 |
| Noninterest income to average assets | 1.5968% | 387 |
| Noninterest expense to average assets | 2.6805% | 3,079 |
| Loan and lease loss provision to assets | 0.0970% | 1,994 |
| Net operating income to assets | 1.1587% | 2,354 |
| Return on assets (ROA) | 1.1351% | 2,464 |
| Pretax return on assets | 1.3985% | 2,152 |
| Return on Equity (ROE) | 11.0060% | 2,113 |
| Retained earnings to average equity (ytd only) | 3.6487% | 3,771 |
| Net charge-offs to loans | 0.1984% | 791 |
| Credit loss provision to net charge-offs | 80.7967% | 2,247 |
| Earnings coverage of net charge-offs (x) | 12.6600% | 2,191 |
| Efficiency ratio | 63.2519% | 3,421 |
| Assets per employee ($millions) | 6.9556% | 943 |
| Cash dividends to net income (ytd only)* | 66.8482% | 1,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1515% | 2,973 |
| Loan loss allowance to noncurrent loans | 95.0917% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 1,942 |
| Noncurrent loans to loans | 1.2109% | 1,436 |
| Net loans and leases to total assets | 60.0470% | 3,807 |
| Net loans and leases to deposits | 81.7359% | 2,792 |
| Net loans and leases to core deposits | 86.3574% | 2,894 |
| Total domestic deposits to total assets | 71.0599% | 5,231 |
| Equity capital to assets | 10.3216% | 3,320 |
| Core capital (leverage) ratio | 8.1370% | 5,299 |
| Tier 1 risk-based capital ratio | 9.4336% | 5,501 |
| Total risk-based capital ratio | 11.2765% | 5,362 |
| Memoranda: |
| Average total assets | $369,006,765,000 | 6 |
| Average earning assets | $327,872,641,000 | 6 |
| Average equity | $38,057,435,330 | 7 |
| Average total loans | $223,253,423,000 | 6 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5315% | 4,820 |
| Cost of funding earning assets | 0.6373% | 1,796 |
| Net interest margin | 2.8942% | 5,039 |
| Noninterest income to average assets | 1.5358% | 412 |
| Noninterest expense to average assets | 2.6386% | 3,221 |
| Loan and lease loss provision to assets | 0.1072% | 1,743 |
| Net operating income to assets | 1.1183% | 2,344 |
| Return on assets (ROA) | 1.0863% | 2,507 |
| Pretax return on assets | 1.3297% | 2,252 |
| Return on Equity (ROE) | 10.5368% | 2,156 |
| Retained earnings to average equity (ytd only) | 3.1772% | 3,934 |
| Net charge-offs to loans | 0.2023% | 728 |
| Credit loss provision to net charge-offs | 87.7612% | 1,682 |
| Earnings coverage of net charge-offs (x) | 12.0292% | 1,819 |
| Efficiency ratio | 63.6493% | 3,536 |
| Assets per employee ($millions) | 7.0244% | 949 |
| Cash dividends to net income (ytd only)* | 69.8468% | 1,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1699% | 2,978 |
| Loan loss allowance to noncurrent loans | 90.1380% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 1,929 |
| Noncurrent loans to loans | 1.2979% | 1,382 |
| Net loans and leases to total assets | 59.7632% | 3,773 |
| Net loans and leases to deposits | 81.1534% | 2,678 |
| Net loans and leases to core deposits | 85.5180% | 2,843 |
| Total domestic deposits to total assets | 71.3753% | 5,316 |
| Equity capital to assets | 10.2979% | 3,289 |
| Core capital (leverage) ratio | 8.0139% | 5,385 |
| Tier 1 risk-based capital ratio | 9.4672% | 5,559 |
| Total risk-based capital ratio | 11.3427% | 5,408 |
| Memoranda: |
| Average total assets | $369,034,679,500 | 6 |
| Average earning assets | $327,982,650,000 | 6 |
| Average equity | $38,045,421,500 | 6 |
| Average total loans | $222,817,761,500 | 6 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3248% | 5,054 |
| Cost of funding earning assets | 0.4939% | 2,384 |
| Net interest margin | 2.8310% | 5,127 |
| Noninterest income to average assets | 1.4775% | 483 |
| Noninterest expense to average assets | 2.7018% | 3,120 |
| Loan and lease loss provision to assets | 0.1230% | 1,861 |
| Net operating income to assets | 0.9799% | 2,330 |
| Return on assets (ROA) | 0.9551% | 2,455 |
| Pretax return on assets | 1.1431% | 3,010 |
| Return on Equity (ROE) | 9.1255% | 2,254 |
| Retained earnings to average equity (ytd only) | 1.4364% | 4,428 |
| Net charge-offs to loans | 0.2090% | 1,246 |
| Credit loss provision to net charge-offs | 97.4332% | 2,651 |
| Earnings coverage of net charge-offs (x) | 10.2235% | 2,704 |
| Efficiency ratio | 67.0363% | 3,072 |
| Assets per employee ($millions) | 7.1143% | 924 |
| Cash dividends to net income (ytd only)* | 84.2591% | 689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1705% | 2,950 |
| Loan loss allowance to noncurrent loans | 85.8909% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 1,810 |
| Noncurrent loans to loans | 1.3627% | 1,276 |
| Net loans and leases to total assets | 59.5813% | 3,868 |
| Net loans and leases to deposits | 81.2411% | 2,791 |
| Net loans and leases to core deposits | 85.7544% | 2,928 |
| Total domestic deposits to total assets | 71.0523% | 5,361 |
| Equity capital to assets | 10.3209% | 3,368 |
| Core capital (leverage) ratio | 8.1545% | 5,376 |
| Tier 1 risk-based capital ratio | 9.7038% | 5,582 |
| Total risk-based capital ratio | 11.6531% | 5,317 |
| Memoranda: |
| Average total assets | $362,248,428,600 | 6 |
| Average earning assets | $321,817,449,200 | 6 |
| Average equity | $37,915,979,000 | 6 |
| Average total loans | $218,800,914,200 | 6 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2924% | 5,119 |
| Cost of funding earning assets | 0.4754% | 2,475 |
| Net interest margin | 2.8170% | 5,196 |
| Noninterest income to average assets | 1.5491% | 455 |
| Noninterest expense to average assets | 2.6078% | 3,385 |
| Loan and lease loss provision to assets | 0.1203% | 1,803 |
| Net operating income to assets | 0.9743% | 2,668 |
| Return on assets (ROA) | 0.9463% | 2,860 |
| Pretax return on assets | 1.2964% | 2,515 |
| Return on Equity (ROE) | 9.0090% | 2,590 |
| Retained earnings to average equity (ytd only) | 1.9093% | 4,674 |
| Net charge-offs to loans | 0.2046% | 1,044 |
| Credit loss provision to net charge-offs | 97.3424% | 2,355 |
| Earnings coverage of net charge-offs (x) | 11.6783% | 2,484 |
| Efficiency ratio | 63.7396% | 3,599 |
| Assets per employee ($millions) | 7.0629% | 929 |
| Cash dividends to net income (ytd only)* | 78.8070% | 680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1694% | 3,093 |
| Loan loss allowance to noncurrent loans | 86.2757% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 1,961 |
| Noncurrent loans to loans | 1.3554% | 1,390 |
| Net loans and leases to total assets | 60.5442% | 3,802 |
| Net loans and leases to deposits | 82.5069% | 2,722 |
| Net loans and leases to core deposits | 86.9826% | 2,873 |
| Total domestic deposits to total assets | 71.1860% | 5,434 |
| Equity capital to assets | 10.5394% | 3,330 |
| Core capital (leverage) ratio | 8.2787% | 5,381 |
| Tier 1 risk-based capital ratio | 9.7900% | 5,633 |
| Total risk-based capital ratio | 11.8094% | 5,363 |
| Memoranda: |
| Average total assets | $360,309,969,750 | 6 |
| Average earning assets | $320,079,298,250 | 6 |
| Average equity | $37,848,094,500 | 6 |
| Average total loans | $217,735,371,500 | 6 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2198% | 5,213 |
| Cost of funding earning assets | 0.4535% | 2,570 |
| Net interest margin | 2.7663% | 5,294 |
| Noninterest income to average assets | 1.5376% | 460 |
| Noninterest expense to average assets | 2.6151% | 3,386 |
| Loan and lease loss provision to assets | 0.1022% | 1,982 |
| Net operating income to assets | 0.9506% | 2,656 |
| Return on assets (ROA) | 0.9227% | 2,852 |
| Pretax return on assets | 1.2503% | 2,576 |
| Return on Equity (ROE) | 8.7940% | 2,608 |
| Retained earnings to average equity (ytd only) | 1.2829% | 4,738 |
| Net charge-offs to loans | 0.2110% | 968 |
| Credit loss provision to net charge-offs | 80.5018% | 2,255 |
| Earnings coverage of net charge-offs (x) | 10.8620% | 2,317 |
| Efficiency ratio | 64.8548% | 3,522 |
| Assets per employee ($millions) | 6.9895% | 940 |
| Cash dividends to net income (ytd only)* | 85.4118% | 728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1613% | 3,240 |
| Loan loss allowance to noncurrent loans | 80.7164% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 1,898 |
| Noncurrent loans to loans | 1.4388% | 1,322 |
| Net loans and leases to total assets | 60.3334% | 3,816 |
| Net loans and leases to deposits | 82.0619% | 2,694 |
| Net loans and leases to core deposits | 86.5353% | 2,828 |
| Total domestic deposits to total assets | 71.3367% | 5,492 |
| Equity capital to assets | 10.5086% | 3,328 |
| Core capital (leverage) ratio | 8.2319% | 5,410 |
| Tier 1 risk-based capital ratio | 9.7495% | 5,676 |
| Total risk-based capital ratio | 11.8282% | 5,357 |
| Memoranda: |
| Average total assets | $359,186,401,670 | 6 |
| Average earning assets | $318,945,011,670 | 6 |
| Average equity | $37,687,590,670 | 6 |
| Average total loans | $216,049,579,000 | 6 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1352% | 5,326 |
| Cost of funding earning assets | 0.4203% | 2,812 |
| Net interest margin | 2.7149% | 5,374 |
| Noninterest income to average assets | 1.4758% | 494 |
| Noninterest expense to average assets | 2.5854% | 3,549 |
| Loan and lease loss provision to assets | 0.0946% | 1,963 |
| Net operating income to assets | 0.9091% | 2,716 |
| Return on assets (ROA) | 0.8724% | 2,947 |
| Pretax return on assets | 1.1687% | 2,712 |
| Return on Equity (ROE) | 8.3206% | 2,758 |
| Retained earnings to average equity (ytd only) | -0.2827% | 4,963 |
| Net charge-offs to loans | 0.2205% | 807 |
| Credit loss provision to net charge-offs | 71.8345% | 1,821 |
| Earnings coverage of net charge-offs (x) | 9.8806% | 1,967 |
| Efficiency ratio | 65.9328% | 3,508 |
| Assets per employee ($millions) | 7.0407% | 939 |
| Cash dividends to net income (ytd only)* | 103.3976% | 666 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1944% | 3,169 |
| Loan loss allowance to noncurrent loans | 79.4280% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9490% | 1,934 |
| Noncurrent loans to loans | 1.5037% | 1,327 |
| Net loans and leases to total assets | 58.7838% | 3,909 |
| Net loans and leases to deposits | 79.6680% | 2,792 |
| Net loans and leases to core deposits | 83.3693% | 2,957 |
| Total domestic deposits to total assets | 71.9759% | 5,542 |
| Equity capital to assets | 10.4124% | 3,281 |
| Core capital (leverage) ratio | 8.2906% | 5,381 |
| Tier 1 risk-based capital ratio | 9.9387% | 5,712 |
| Total risk-based capital ratio | 12.1196% | 5,300 |
| Memoranda: |
| Average total assets | $358,174,189,500 | 6 |
| Average earning assets | $317,993,843,500 | 6 |
| Average equity | $37,552,262,000 | 6 |
| Average total loans | $213,828,722,500 | 6 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0516% | 5,457 |
| Cost of funding earning assets | 0.3759% | 3,248 |
| Net interest margin | 2.6757% | 5,448 |
| Noninterest income to average assets | 1.5982% | 479 |
| Noninterest expense to average assets | 2.5940% | 3,687 |
| Loan and lease loss provision to assets | 0.1116% | 2,199 |
| Net operating income to assets | 0.9349% | 2,651 |
| Return on assets (ROA) | 0.9013% | 2,933 |
| Pretax return on assets | 1.2345% | 2,535 |
| Return on Equity (ROE) | 8.4000% | 2,744 |
| Retained earnings to average equity (ytd only) | 1.5784% | 4,626 |
| Net charge-offs to loans | 0.2575% | 1,074 |
| Credit loss provision to net charge-offs | 72.3822% | 3,093 |
| Earnings coverage of net charge-offs (x) | 8.9447% | 2,812 |
| Efficiency ratio | 64.5408% | 3,847 |
| Assets per employee ($millions) | 6.9405% | 945 |
| Cash dividends to net income (ytd only)* | 81.2096% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2140% | 3,036 |
| Loan loss allowance to noncurrent loans | 74.2049% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 1,825 |
| Noncurrent loans to loans | 1.6360% | 1,191 |
| Net loans and leases to total assets | 59.1801% | 3,940 |
| Net loans and leases to deposits | 80.2957% | 2,858 |
| Net loans and leases to core deposits | 84.0953% | 3,016 |
| Total domestic deposits to total assets | 71.8393% | 5,571 |
| Equity capital to assets | 10.5572% | 3,094 |
| Core capital (leverage) ratio | 8.5524% | 5,211 |
| Tier 1 risk-based capital ratio | 10.2283% | 5,676 |
| Total risk-based capital ratio | 12.4293% | 5,130 |
| Memoranda: |
| Average total assets | $352,603,359,600 | 6 |
| Average earning assets | $312,917,264,000 | 6 |
| Average equity | $37,832,046,200 | 6 |
| Average total loans | $211,051,747,600 | 6 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0412% | 5,537 |
| Cost of funding earning assets | 0.3719% | 3,313 |
| Net interest margin | 2.6693% | 5,526 |
| Noninterest income to average assets | 1.6054% | 474 |
| Noninterest expense to average assets | 2.5796% | 3,733 |
| Loan and lease loss provision to assets | 0.1206% | 1,925 |
| Net operating income to assets | 0.9417% | 2,694 |
| Return on assets (ROA) | 0.9110% | 2,978 |
| Pretax return on assets | 1.2458% | 2,633 |
| Return on Equity (ROE) | 8.4564% | 2,782 |
| Retained earnings to average equity (ytd only) | 1.5142% | 4,905 |
| Net charge-offs to loans | 0.2769% | 834 |
| Credit loss provision to net charge-offs | 72.7870% | 2,750 |
| Earnings coverage of net charge-offs (x) | 8.4199% | 2,769 |
| Efficiency ratio | 64.1898% | 3,898 |
| Assets per employee ($millions) | 7.0144% | 886 |
| Cash dividends to net income (ytd only)* | 82.0941% | 681 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2280% | 3,077 |
| Loan loss allowance to noncurrent loans | 75.0652% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 1,983 |
| Noncurrent loans to loans | 1.6359% | 1,312 |
| Net loans and leases to total assets | 58.8730% | 4,004 |
| Net loans and leases to deposits | 79.9464% | 2,972 |
| Net loans and leases to core deposits | 83.3888% | 3,183 |
| Total domestic deposits to total assets | 72.2593% | 5,584 |
| Equity capital to assets | 10.7064% | 3,348 |
| Core capital (leverage) ratio | 8.6963% | 5,153 |
| Tier 1 risk-based capital ratio | 10.3013% | 5,701 |
| Total risk-based capital ratio | 12.5365% | 5,111 |
| Memoranda: |
| Average total assets | $351,754,266,000 | 6 |
| Average earning assets | $312,229,247,250 | 6 |
| Average equity | $37,894,134,250 | 6 |
| Average total loans | $210,497,127,500 | 6 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0521% | 5,597 |
| Cost of funding earning assets | 0.3712% | 3,347 |
| Net interest margin | 2.6809% | 5,594 |
| Noninterest income to average assets | 1.5967% | 480 |
| Noninterest expense to average assets | 2.5789% | 3,794 |
| Loan and lease loss provision to assets | 0.1355% | 1,681 |
| Net operating income to assets | 0.9352% | 2,703 |
| Return on assets (ROA) | 0.9049% | 2,965 |
| Pretax return on assets | 1.2328% | 2,656 |
| Return on Equity (ROE) | 8.3825% | 2,802 |
| Retained earnings to average equity (ytd only) | 1.1496% | 4,920 |
| Net charge-offs to loans | 0.2699% | 883 |
| Credit loss provision to net charge-offs | 83.7846% | 2,324 |
| Earnings coverage of net charge-offs (x) | 8.6354% | 2,502 |
| Efficiency ratio | 64.1481% | 3,993 |
| Assets per employee ($millions) | 6.8210% | 940 |
| Cash dividends to net income (ytd only)* | 86.2859% | 760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2697% | 2,958 |
| Loan loss allowance to noncurrent loans | 75.6248% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0856% | 1,952 |
| Noncurrent loans to loans | 1.6790% | 1,267 |
| Net loans and leases to total assets | 59.6232% | 3,935 |
| Net loans and leases to deposits | 82.2976% | 2,672 |
| Net loans and leases to core deposits | 85.9023% | 2,909 |
| Total domestic deposits to total assets | 70.9548% | 5,730 |
| Equity capital to assets | 10.8991% | 3,165 |
| Core capital (leverage) ratio | 8.7560% | 5,103 |
| Tier 1 risk-based capital ratio | 10.3278% | 5,749 |
| Total risk-based capital ratio | 12.6943% | 5,082 |
| Memoranda: |
| Average total assets | $349,719,457,000 | 6 |
| Average earning assets | $310,323,657,670 | 6 |
| Average equity | $37,754,310,000 | 6 |
| Average total loans | $209,562,406,330 | 6 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0654% | 5,635 |
| Cost of funding earning assets | 0.3657% | 3,445 |
| Net interest margin | 2.6997% | 5,618 |
| Noninterest income to average assets | 1.5094% | 499 |
| Noninterest expense to average assets | 2.5810% | 3,810 |
| Loan and lease loss provision to assets | 0.1508% | 1,408 |
| Net operating income to assets | 0.8887% | 2,808 |
| Return on assets (ROA) | 0.8613% | 3,054 |
| Pretax return on assets | 1.1496% | 2,892 |
| Return on Equity (ROE) | 8.0164% | 2,901 |
| Retained earnings to average equity (ytd only) | 0.4770% | 4,998 |
| Net charge-offs to loans | 0.2869% | 736 |
| Credit loss provision to net charge-offs | 88.0688% | 1,781 |
| Earnings coverage of net charge-offs (x) | 7.7422% | 2,121 |
| Efficiency ratio | 65.3199% | 3,916 |
| Assets per employee ($millions) | 6.8429% | 953 |
| Cash dividends to net income (ytd only)* | 94.0500% | 781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2967% | 2,920 |
| Loan loss allowance to noncurrent loans | 74.9820% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 1,992 |
| Noncurrent loans to loans | 1.7294% | 1,295 |
| Net loans and leases to total assets | 58.8343% | 3,943 |
| Net loans and leases to deposits | 81.1913% | 2,650 |
| Net loans and leases to core deposits | 84.6006% | 2,884 |
| Total domestic deposits to total assets | 70.9130% | 5,826 |
| Equity capital to assets | 10.7716% | 3,187 |
| Core capital (leverage) ratio | 8.7222% | 5,153 |
| Tier 1 risk-based capital ratio | 10.2982% | 5,828 |
| Total risk-based capital ratio | 12.7605% | 5,130 |
| Memoranda: |
| Average total assets | $349,467,052,000 | 6 |
| Average earning assets | $310,321,149,500 | 6 |
| Average equity | $37,545,851,500 | 6 |
| Average total loans | $208,593,476,500 | 6 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0328% | 5,703 |
| Cost of funding earning assets | 0.3159% | 4,078 |
| Net interest margin | 2.7169% | 5,630 |
| Noninterest income to average assets | 1.6668% | 471 |
| Noninterest expense to average assets | 2.6796% | 3,651 |
| Loan and lease loss provision to assets | 0.0735% | 2,799 |
| Net operating income to assets | 0.9659% | 2,546 |
| Return on assets (ROA) | 0.9536% | 2,677 |
| Pretax return on assets | 1.3024% | 2,277 |
| Return on Equity (ROE) | 8.7773% | 2,572 |
| Retained earnings to average equity (ytd only) | 1.3317% | 4,967 |
| Net charge-offs to loans | 0.1859% | 1,552 |
| Credit loss provision to net charge-offs | 65.5018% | 3,193 |
| Earnings coverage of net charge-offs (x) | 12.3384% | 2,475 |
| Efficiency ratio | 65.1096% | 4,061 |
| Assets per employee ($millions) | 7.0787% | 864 |
| Cash dividends to net income (ytd only)* | 84.8280% | 743 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3098% | 2,842 |
| Loan loss allowance to noncurrent loans | 75.7400% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 1,962 |
| Noncurrent loans to loans | 1.7293% | 1,304 |
| Net loans and leases to total assets | 58.9884% | 3,973 |
| Net loans and leases to deposits | 81.3155% | 2,674 |
| Net loans and leases to core deposits | 85.0859% | 2,870 |
| Total domestic deposits to total assets | 70.7033% | 5,863 |
| Equity capital to assets | 10.7157% | 3,111 |
| Core capital (leverage) ratio | 8.6650% | 5,256 |
| Tier 1 risk-based capital ratio | 10.3722% | 5,831 |
| Total risk-based capital ratio | 12.8597% | 5,093 |
| Memoranda: |
| Average total assets | $343,743,021,200 | 6 |
| Average earning assets | $303,397,978,200 | 6 |
| Average equity | $37,347,622,400 | 6 |
| Average total loans | $207,561,359,000 | 6 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0350% | 5,778 |
| Cost of funding earning assets | 0.3139% | 4,177 |
| Net interest margin | 2.7212% | 5,700 |
| Noninterest income to average assets | 1.6617% | 468 |
| Noninterest expense to average assets | 2.6835% | 3,618 |
| Loan and lease loss provision to assets | 0.0678% | 2,823 |
| Net operating income to assets | 0.9596% | 2,672 |
| Return on assets (ROA) | 0.9533% | 2,793 |
| Pretax return on assets | 1.3063% | 2,371 |
| Return on Equity (ROE) | 8.7433% | 2,708 |
| Retained earnings to average equity (ytd only) | 1.1653% | 5,249 |
| Net charge-offs to loans | 0.1712% | 1,452 |
| Credit loss provision to net charge-offs | 65.4318% | 2,834 |
| Earnings coverage of net charge-offs (x) | 13.2797% | 2,339 |
| Efficiency ratio | 65.2766% | 4,018 |
| Assets per employee ($millions) | 7.0409% | 855 |
| Cash dividends to net income (ytd only)* | 86.6722% | 597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5636% | 1,918 |
| Loan loss allowance to noncurrent loans | 87.0463% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 2,081 |
| Noncurrent loans to loans | 1.7963% | 1,323 |
| Net loans and leases to total assets | 57.9635% | 4,147 |
| Net loans and leases to deposits | 81.7740% | 2,668 |
| Net loans and leases to core deposits | 85.7656% | 2,878 |
| Total domestic deposits to total assets | 69.0877% | 6,003 |
| Equity capital to assets | 10.7045% | 3,355 |
| Core capital (leverage) ratio | 8.6922% | 5,361 |
| Tier 1 risk-based capital ratio | 10.3641% | 5,935 |
| Total risk-based capital ratio | 13.1284% | 5,074 |
| Memoranda: |
| Average total assets | $342,606,002,000 | 6 |
| Average earning assets | $301,948,894,500 | 6 |
| Average equity | $37,354,036,500 | 6 |
| Average total loans | $207,407,162,750 | 6 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0501% | 5,799 |
| Cost of funding earning assets | 0.3043% | 4,354 |
| Net interest margin | 2.7458% | 5,711 |
| Noninterest income to average assets | 1.6741% | 477 |
| Noninterest expense to average assets | 2.6880% | 3,635 |
| Loan and lease loss provision to assets | 0.0662% | 2,792 |
| Net operating income to assets | 0.9597% | 2,589 |
| Return on assets (ROA) | 0.9643% | 2,676 |
| Pretax return on assets | 1.3540% | 2,171 |
| Return on Equity (ROE) | 8.7889% | 2,662 |
| Retained earnings to average equity (ytd only) | 1.1923% | 5,086 |
| Net charge-offs to loans | 0.1643% | 1,483 |
| Credit loss provision to net charge-offs | 65.9336% | 2,524 |
| Earnings coverage of net charge-offs (x) | 14.0209% | 2,089 |
| Efficiency ratio | 64.8021% | 4,227 |
| Assets per employee ($millions) | 6.8357% | 894 |
| Cash dividends to net income (ytd only)* | 86.4343% | 787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5749% | 1,991 |
| Loan loss allowance to noncurrent loans | 85.3927% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 2,100 |
| Noncurrent loans to loans | 1.8444% | 1,375 |
| Net loans and leases to total assets | 59.5020% | 3,906 |
| Net loans and leases to deposits | 83.5916% | 2,368 |
| Net loans and leases to core deposits | 87.5111% | 2,607 |
| Total domestic deposits to total assets | 69.2570% | 6,065 |
| Equity capital to assets | 10.8494% | 3,055 |
| Core capital (leverage) ratio | 8.7741% | 5,255 |
| Tier 1 risk-based capital ratio | 10.3635% | 5,969 |
| Total risk-based capital ratio | 13.2274% | 5,069 |
| Memoranda: |
| Average total assets | $339,640,526,330 | 6 |
| Average earning assets | $299,557,747,670 | 6 |
| Average equity | $37,263,208,000 | 6 |
| Average total loans | $207,549,686,000 | 6 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0845% | 5,800 |
| Cost of funding earning assets | 0.3006% | 4,437 |
| Net interest margin | 2.7839% | 5,679 |
| Noninterest income to average assets | 1.5733% | 498 |
| Noninterest expense to average assets | 2.6678% | 3,703 |
| Loan and lease loss provision to assets | 0.0939% | 2,126 |
| Net operating income to assets | 0.9263% | 2,626 |
| Return on assets (ROA) | 0.9479% | 2,657 |
| Pretax return on assets | 1.2994% | 2,288 |
| Return on Equity (ROE) | 8.5913% | 2,648 |
| Retained earnings to average equity (ytd only) | -0.0810% | 5,391 |
| Net charge-offs to loans | 0.1992% | 1,138 |
| Credit loss provision to net charge-offs | 76.6887% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.1004% | 1,889 |
| Efficiency ratio | 65.3929% | 4,255 |
| Assets per employee ($millions) | 6.7751% | 949 |
| Cash dividends to net income (ytd only)* | 100.9427% | 675 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5909% | 2,082 |
| Loan loss allowance to noncurrent loans | 78.5873% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 1,989 |
| Noncurrent loans to loans | 2.0244% | 1,290 |
| Net loans and leases to total assets | 60.0943% | 3,640 |
| Net loans and leases to deposits | 84.4859% | 2,005 |
| Net loans and leases to core deposits | 88.3555% | 2,291 |
| Total domestic deposits to total assets | 69.0327% | 6,167 |
| Equity capital to assets | 10.9804% | 2,990 |
| Core capital (leverage) ratio | 8.8430% | 5,147 |
| Tier 1 risk-based capital ratio | 10.2519% | 6,099 |
| Total risk-based capital ratio | 13.1789% | 5,178 |
| Memoranda: |
| Average total assets | $337,645,753,500 | 6 |
| Average earning assets | $297,510,064,500 | 6 |
| Average equity | $37,253,843,500 | 6 |
| Average total loans | $207,455,345,000 | 6 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3225% | 5,671 |
| Cost of funding earning assets | 0.2807% | 4,997 |
| Net interest margin | 3.0418% | 5,345 |
| Noninterest income to average assets | 1.7451% | 423 |
| Noninterest expense to average assets | 2.8484% | 3,310 |
| Loan and lease loss provision to assets | 0.0798% | 2,888 |
| Net operating income to assets | 1.0852% | 2,036 |
| Return on assets (ROA) | 1.0672% | 2,151 |
| Pretax return on assets | 1.4641% | 1,675 |
| Return on Equity (ROE) | 9.2178% | 2,472 |
| Retained earnings to average equity (ytd only) | 1.5735% | 5,045 |
| Net charge-offs to loans | 0.2622% | 1,649 |
| Credit loss provision to net charge-offs | 48.0489% | 3,526 |
| Earnings coverage of net charge-offs (x) | 9.4067% | 2,752 |
| Efficiency ratio | 63.6706% | 4,635 |
| Assets per employee ($millions) | 6.6657% | 972 |
| Cash dividends to net income (ytd only)* | 82.9300% | 805 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6080% | 2,063 |
| Loan loss allowance to noncurrent loans | 74.5982% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4955% | 1,830 |
| Noncurrent loans to loans | 2.1556% | 1,252 |
| Net loans and leases to total assets | 60.8293% | 3,668 |
| Net loans and leases to deposits | 85.1257% | 2,083 |
| Net loans and leases to core deposits | 89.2651% | 2,354 |
| Total domestic deposits to total assets | 68.7892% | 6,241 |
| Equity capital to assets | 11.0872% | 2,819 |
| Core capital (leverage) ratio | 9.1933% | 4,687 |
| Tier 1 risk-based capital ratio | 10.7323% | 6,014 |
| Total risk-based capital ratio | 13.7444% | 4,958 |
| Memoranda: |
| Average total assets | $319,838,114,600 | 6 |
| Average earning assets | $280,293,843,000 | 6 |
| Average equity | $37,030,881,600 | 6 |
| Average total loans | $202,603,739,000 | 6 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3770% | 5,630 |
| Cost of funding earning assets | 0.2771% | 5,129 |
| Net interest margin | 3.0999% | 5,257 |
| Noninterest income to average assets | 1.7208% | 442 |
| Noninterest expense to average assets | 2.8449% | 3,306 |
| Loan and lease loss provision to assets | 0.0891% | 2,574 |
| Net operating income to assets | 1.0893% | 2,075 |
| Return on assets (ROA) | 1.0779% | 2,186 |
| Pretax return on assets | 1.4883% | 1,682 |
| Return on Equity (ROE) | 9.2066% | 2,582 |
| Retained earnings to average equity (ytd only) | 1.9167% | 5,097 |
| Net charge-offs to loans | 0.2732% | 1,438 |
| Credit loss provision to net charge-offs | 51.1437% | 3,082 |
| Earnings coverage of net charge-offs (x) | 9.1219% | 2,709 |
| Efficiency ratio | 63.2542% | 4,674 |
| Assets per employee ($millions) | 6.4870% | 1,027 |
| Cash dividends to net income (ytd only)* | 79.1811% | 762 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6742% | 2,055 |
| Loan loss allowance to noncurrent loans | 74.5040% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.5854% | 1,927 |
| Noncurrent loans to loans | 2.2471% | 1,344 |
| Net loans and leases to total assets | 61.7191% | 3,531 |
| Net loans and leases to deposits | 86.7807% | 1,820 |
| Net loans and leases to core deposits | 89.8318% | 2,238 |
| Total domestic deposits to total assets | 69.3287% | 6,304 |
| Equity capital to assets | 11.5034% | 2,481 |
| Core capital (leverage) ratio | 9.5020% | 4,370 |
| Tier 1 risk-based capital ratio | 10.9628% | 6,007 |
| Total risk-based capital ratio | 14.1101% | 4,867 |
| Memoranda: |
| Average total assets | $316,032,639,500 | 6 |
| Average earning assets | $276,573,894,750 | 6 |
| Average equity | $37,001,395,000 | 6 |
| Average total loans | $201,468,239,000 | 6 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4343% | 5,554 |
| Cost of funding earning assets | 0.2755% | 5,232 |
| Net interest margin | 3.1588% | 5,066 |
| Noninterest income to average assets | 1.7300% | 433 |
| Noninterest expense to average assets | 2.8306% | 3,397 |
| Loan and lease loss provision to assets | 0.1120% | 2,160 |
| Net operating income to assets | 1.1202% | 1,859 |
| Return on assets (ROA) | 1.1101% | 1,973 |
| Pretax return on assets | 1.5377% | 1,436 |
| Return on Equity (ROE) | 9.4244% | 2,408 |
| Retained earnings to average equity (ytd only) | 2.2963% | 4,737 |
| Net charge-offs to loans | 0.3297% | 1,239 |
| Credit loss provision to net charge-offs | 52.9926% | 2,753 |
| Earnings coverage of net charge-offs (x) | 7.8544% | 2,569 |
| Efficiency ratio | 62.1210% | 4,993 |
| Assets per employee ($millions) | 6.2757% | 1,123 |
| Cash dividends to net income (ytd only)* | 75.6343% | 1,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6973% | 2,140 |
| Loan loss allowance to noncurrent loans | 69.9999% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7411% | 1,867 |
| Noncurrent loans to loans | 2.4247% | 1,292 |
| Net loans and leases to total assets | 63.1609% | 3,216 |
| Net loans and leases to deposits | 87.9716% | 1,605 |
| Net loans and leases to core deposits | 91.3004% | 1,995 |
| Total domestic deposits to total assets | 69.8273% | 6,359 |
| Equity capital to assets | 11.7842% | 2,179 |
| Core capital (leverage) ratio | 9.6669% | 4,089 |
| Tier 1 risk-based capital ratio | 10.9137% | 6,084 |
| Total risk-based capital ratio | 14.1529% | 4,910 |
| Memoranda: |
| Average total assets | $313,337,845,670 | 6 |
| Average earning assets | $273,809,230,670 | 6 |
| Average equity | $36,907,006,330 | 6 |
| Average total loans | $200,808,224,000 | 6 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4971% | 5,433 |
| Cost of funding earning assets | 0.2700% | 5,385 |
| Net interest margin | 3.2271% | 4,827 |
| Noninterest income to average assets | 1.6522% | 452 |
| Noninterest expense to average assets | 2.8242% | 3,471 |
| Loan and lease loss provision to assets | 0.1372% | 1,767 |
| Net operating income to assets | 1.0928% | 1,844 |
| Return on assets (ROA) | 1.0911% | 1,911 |
| Pretax return on assets | 1.5132% | 1,395 |
| Return on Equity (ROE) | 9.2659% | 2,339 |
| Retained earnings to average equity (ytd only) | 2.6432% | 4,490 |
| Net charge-offs to loans | 0.3728% | 968 |
| Credit loss provision to net charge-offs | 57.4825% | 2,130 |
| Earnings coverage of net charge-offs (x) | 6.9112% | 2,180 |
| Efficiency ratio | 62.1856% | 5,094 |
| Assets per employee ($millions) | 6.1975% | 1,182 |
| Cash dividends to net income (ytd only)* | 71.4742% | 1,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7583% | 2,163 |
| Loan loss allowance to noncurrent loans | 61.8477% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 1,703 |
| Noncurrent loans to loans | 2.8429% | 1,152 |
| Net loans and leases to total assets | 62.9240% | 3,085 |
| Net loans and leases to deposits | 86.5388% | 1,529 |
| Net loans and leases to core deposits | 89.8322% | 1,927 |
| Total domestic deposits to total assets | 70.5967% | 6,424 |
| Equity capital to assets | 11.7766% | 2,034 |
| Core capital (leverage) ratio | 9.6676% | 4,036 |
| Tier 1 risk-based capital ratio | 10.9444% | 6,174 |
| Total risk-based capital ratio | 14.2839% | 4,917 |
| Memoranda: |
| Average total assets | $311,680,919,500 | 6 |
| Average earning assets | $272,471,573,500 | 6 |
| Average equity | $36,703,079,000 | 6 |
| Average total loans | $199,485,669,000 | 6 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8297% | 4,697 |
| Cost of funding earning assets | 0.2777% | 5,780 |
| Net interest margin | 3.5520% | 3,668 |
| Noninterest income to average assets | 1.8453% | 447 |
| Noninterest expense to average assets | 3.0793% | 2,805 |
| Loan and lease loss provision to assets | 0.2187% | 1,668 |
| Net operating income to assets | 1.2014% | 1,561 |
| Return on assets (ROA) | 1.1778% | 1,710 |
| Pretax return on assets | 1.6068% | 1,150 |
| Return on Equity (ROE) | 9.6789% | 2,246 |
| Retained earnings to average equity (ytd only) | 1.7937% | 4,953 |
| Net charge-offs to loans | 0.5568% | 1,187 |
| Credit loss provision to net charge-offs | 60.4396% | 3,549 |
| Earnings coverage of net charge-offs (x) | 5.0897% | 3,387 |
| Efficiency ratio | 61.5692% | 5,277 |
| Assets per employee ($millions) | 6.1066% | 1,198 |
| Cash dividends to net income (ytd only)* | 81.4682% | 875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8201% | 2,004 |
| Loan loss allowance to noncurrent loans | 59.4148% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 1,654 |
| Noncurrent loans to loans | 3.0635% | 1,128 |
| Net loans and leases to total assets | 62.7915% | 3,238 |
| Net loans and leases to deposits | 86.2295% | 1,653 |
| Net loans and leases to core deposits | 89.4726% | 2,086 |
| Total domestic deposits to total assets | 70.7333% | 6,491 |
| Equity capital to assets | 11.7750% | 1,966 |
| Core capital (leverage) ratio | 9.7755% | 3,874 |
| Tier 1 risk-based capital ratio | 10.9519% | 6,193 |
| Total risk-based capital ratio | 14.3200% | 4,879 |
| Memoranda: |
| Average total assets | $297,628,980,600 | 6 |
| Average earning assets | $257,742,802,400 | 6 |
| Average equity | $36,216,354,000 | 6 |
| Average total loans | $193,464,482,800 | 6 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8940% | 4,529 |
| Cost of funding earning assets | 0.2806% | 5,884 |
| Net interest margin | 3.6134% | 3,385 |
| Noninterest income to average assets | 1.8555% | 462 |
| Noninterest expense to average assets | 3.0603% | 2,792 |
| Loan and lease loss provision to assets | 0.2460% | 1,453 |
| Net operating income to assets | 1.2267% | 1,543 |
| Return on assets (ROA) | 1.2096% | 1,677 |
| Pretax return on assets | 1.6614% | 1,180 |
| Return on Equity (ROE) | 9.8565% | 2,241 |
| Retained earnings to average equity (ytd only) | 2.1172% | 5,049 |
| Net charge-offs to loans | 0.6159% | 1,006 |
| Credit loss provision to net charge-offs | 61.1804% | 3,275 |
| Earnings coverage of net charge-offs (x) | 4.7636% | 3,356 |
| Efficiency ratio | 60.5018% | 5,358 |
| Assets per employee ($millions) | 5.8354% | 1,354 |
| Cash dividends to net income (ytd only)* | 78.5199% | 832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8872% | 2,040 |
| Loan loss allowance to noncurrent loans | 57.2542% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.3831% | 1,640 |
| Noncurrent loans to loans | 3.2962% | 1,179 |
| Net loans and leases to total assets | 64.2830% | 2,954 |
| Net loans and leases to deposits | 86.9880% | 1,492 |
| Net loans and leases to core deposits | 89.8581% | 1,981 |
| Total domestic deposits to total assets | 72.1214% | 6,485 |
| Equity capital to assets | 12.0842% | 1,866 |
| Core capital (leverage) ratio | 10.0696% | 3,571 |
| Tier 1 risk-based capital ratio | 11.1121% | 6,229 |
| Total risk-based capital ratio | 14.4278% | 4,944 |
| Memoranda: |
| Average total assets | $294,536,306,250 | 6 |
| Average earning assets | $254,315,974,500 | 6 |
| Average equity | $36,144,792,000 | 6 |
| Average total loans | $192,265,054,750 | 6 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9624% | 4,252 |
| Cost of funding earning assets | 0.2853% | 5,944 |
| Net interest margin | 3.6771% | 3,048 |
| Noninterest income to average assets | 1.8438% | 502 |
| Noninterest expense to average assets | 3.0535% | 2,822 |
| Loan and lease loss provision to assets | 0.2727% | 1,350 |
| Net operating income to assets | 1.2364% | 1,496 |
| Return on assets (ROA) | 1.2220% | 1,638 |
| Pretax return on assets | 1.6840% | 1,150 |
| Return on Equity (ROE) | 9.9067% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.2187% | 4,858 |
| Net charge-offs to loans | 0.6944% | 945 |
| Credit loss provision to net charge-offs | 60.2378% | 3,014 |
| Earnings coverage of net charge-offs (x) | 4.3292% | 3,162 |
| Efficiency ratio | 59.8949% | 5,500 |
| Assets per employee ($millions) | 5.6881% | 1,424 |
| Cash dividends to net income (ytd only)* | 77.6042% | 975 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9472% | 1,974 |
| Loan loss allowance to noncurrent loans | 55.0473% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.5784% | 1,629 |
| Noncurrent loans to loans | 3.5374% | 1,185 |
| Net loans and leases to total assets | 64.4803% | 2,844 |
| Net loans and leases to deposits | 87.8652% | 1,354 |
| Net loans and leases to core deposits | 91.3626% | 1,776 |
| Total domestic deposits to total assets | 71.2281% | 6,608 |
| Equity capital to assets | 12.1884% | 1,779 |
| Core capital (leverage) ratio | 10.0963% | 3,376 |
| Tier 1 risk-based capital ratio | 11.1065% | 6,290 |
| Total risk-based capital ratio | 14.1969% | 5,118 |
| Memoranda: |
| Average total assets | $293,219,868,000 | 6 |
| Average earning assets | $252,741,982,000 | 6 |
| Average equity | $36,169,903,670 | 6 |
| Average total loans | $191,164,699,670 | 6 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0893% | 3,767 |
| Cost of funding earning assets | 0.2891% | 6,051 |
| Net interest margin | 3.8002% | 2,450 |
| Noninterest income to average assets | 1.7341% | 531 |
| Noninterest expense to average assets | 3.0674% | 2,779 |
| Loan and lease loss provision to assets | 0.3386% | 987 |
| Net operating income to assets | 1.1727% | 1,602 |
| Return on assets (ROA) | 1.1274% | 1,872 |
| Pretax return on assets | 1.5568% | 1,406 |
| Return on Equity (ROE) | 9.0848% | 2,449 |
| Retained earnings to average equity (ytd only) | 1.5633% | 5,203 |
| Net charge-offs to loans | 0.9609% | 638 |
| Credit loss provision to net charge-offs | 54.2875% | 2,542 |
| Earnings coverage of net charge-offs (x) | 3.1096% | 2,840 |
| Efficiency ratio | 60.2257% | 5,554 |
| Assets per employee ($millions) | 5.5603% | 1,613 |
| Cash dividends to net income (ytd only)* | 82.7925% | 845 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0136% | 2,007 |
| Loan loss allowance to noncurrent loans | 53.4244% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.7644% | 1,641 |
| Noncurrent loans to loans | 3.7691% | 1,228 |
| Net loans and leases to total assets | 64.1995% | 2,668 |
| Net loans and leases to deposits | 86.9380% | 1,254 |
| Net loans and leases to core deposits | 89.2956% | 1,776 |
| Total domestic deposits to total assets | 72.5577% | 6,630 |
| Equity capital to assets | 12.5279% | 1,697 |
| Core capital (leverage) ratio | 10.0015% | 3,379 |
| Tier 1 risk-based capital ratio | 11.1956% | 6,314 |
| Total risk-based capital ratio | 14.3981% | 5,061 |
| Memoranda: |
| Average total assets | $292,567,009,000 | 6 |
| Average earning assets | $251,966,610,500 | 6 |
| Average equity | $36,305,908,000 | 6 |
| Average total loans | $189,905,846,500 | 6 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3513% | 4,023 |
| Cost of funding earning assets | 0.3268% | 6,326 |
| Net interest margin | 4.0245% | 2,296 |
| Noninterest income to average assets | 1.6204% | 604 |
| Noninterest expense to average assets | 3.4559% | 1,935 |
| Loan and lease loss provision to assets | 0.3416% | 1,965 |
| Net operating income to assets | 0.9174% | 2,732 |
| Return on assets (ROA) | 0.9322% | 2,883 |
| Pretax return on assets | 1.2810% | 2,486 |
| Return on Equity (ROE) | 7.5964% | 3,293 |
| Retained earnings to average equity (ytd only) | 0.7440% | 5,489 |
| Net charge-offs to loans | 0.7162% | 1,645 |
| Credit loss provision to net charge-offs | 75.8236% | 3,979 |
| Earnings coverage of net charge-offs (x) | 3.5495% | 3,686 |
| Efficiency ratio | 66.9031% | 4,346 |
| Assets per employee ($millions) | 5.5091% | 1,679 |
| Cash dividends to net income (ytd only)* | 90.2055% | 697 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1270% | 1,694 |
| Loan loss allowance to noncurrent loans | 55.2270% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.7777% | 1,731 |
| Noncurrent loans to loans | 3.8514% | 1,256 |
| Net loans and leases to total assets | 62.9438% | 3,068 |
| Net loans and leases to deposits | 85.6778% | 1,553 |
| Net loans and leases to core deposits | 88.4882% | 2,032 |
| Total domestic deposits to total assets | 71.8058% | 6,702 |
| Equity capital to assets | 12.2930% | 1,862 |
| Core capital (leverage) ratio | 10.0775% | 3,304 |
| Tier 1 risk-based capital ratio | 11.2693% | 6,233 |
| Total risk-based capital ratio | 14.2078% | 5,077 |
| Memoranda: |
| Average total assets | $286,085,935,000 | 6 |
| Average earning assets | $244,138,454,000 | 6 |
| Average equity | $35,108,376,600 | 7 |
| Average total loans | $179,940,597,800 | 6 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4046% | 4,027 |
| Cost of funding earning assets | 0.3291% | 6,472 |
| Net interest margin | 4.0756% | 2,192 |
| Noninterest income to average assets | 1.5619% | 608 |
| Noninterest expense to average assets | 3.3994% | 2,000 |
| Loan and lease loss provision to assets | 0.3147% | 2,096 |
| Net operating income to assets | 0.9526% | 2,736 |
| Return on assets (ROA) | 0.9738% | 2,860 |
| Pretax return on assets | 1.3471% | 2,423 |
| Return on Equity (ROE) | 7.9384% | 3,308 |
| Retained earnings to average equity (ytd only) | 1.4360% | 5,609 |
| Net charge-offs to loans | 0.7352% | 1,506 |
| Credit loss provision to net charge-offs | 68.4636% | 3,948 |
| Earnings coverage of net charge-offs (x) | 3.5510% | 3,599 |
| Efficiency ratio | 66.3899% | 4,375 |
| Assets per employee ($millions) | 5.4404% | 1,693 |
| Cash dividends to net income (ytd only)* | 81.9101% | 604 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1851% | 1,734 |
| Loan loss allowance to noncurrent loans | 52.5687% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.9482% | 1,776 |
| Noncurrent loans to loans | 4.1566% | 1,200 |
| Net loans and leases to total assets | 61.8102% | 3,421 |
| Net loans and leases to deposits | 86.3868% | 1,558 |
| Net loans and leases to core deposits | 89.2929% | 2,071 |
| Total domestic deposits to total assets | 69.9428% | 6,846 |
| Equity capital to assets | 12.4910% | 1,895 |
| Core capital (leverage) ratio | 10.0911% | 3,418 |
| Tier 1 risk-based capital ratio | 11.3410% | 6,331 |
| Total risk-based capital ratio | 13.9930% | 5,409 |
| Memoranda: |
| Average total assets | $283,850,821,250 | 6 |
| Average earning assets | $241,672,023,000 | 6 |
| Average equity | $34,818,584,750 | 6 |
| Average total loans | $177,491,621,500 | 6 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4706% | 3,901 |
| Cost of funding earning assets | 0.3234% | 6,631 |
| Net interest margin | 4.1472% | 1,918 |
| Noninterest income to average assets | 1.3812% | 757 |
| Noninterest expense to average assets | 3.4156% | 1,992 |
| Loan and lease loss provision to assets | 0.3253% | 2,022 |
| Net operating income to assets | 0.8499% | 3,144 |
| Return on assets (ROA) | 0.8698% | 3,307 |
| Pretax return on assets | 1.1972% | 2,939 |
| Return on Equity (ROE) | 7.1364% | 3,712 |
| Retained earnings to average equity (ytd only) | 0.1845% | 5,981 |
| Net charge-offs to loans | 0.7401% | 1,491 |
| Credit loss provision to net charge-offs | 70.5474% | 3,545 |
| Earnings coverage of net charge-offs (x) | 3.2393% | 3,443 |
| Efficiency ratio | 68.3777% | 4,056 |
| Assets per employee ($millions) | 5.4179% | 1,688 |
| Cash dividends to net income (ytd only)* | 97.4147% | 468 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2610% | 1,655 |
| Loan loss allowance to noncurrent loans | 53.5820% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.9774% | 1,851 |
| Noncurrent loans to loans | 4.2197% | 1,289 |
| Net loans and leases to total assets | 61.5676% | 3,516 |
| Net loans and leases to deposits | 85.4100% | 1,669 |
| Net loans and leases to core deposits | 89.3283% | 2,057 |
| Total domestic deposits to total assets | 69.6910% | 6,917 |
| Equity capital to assets | 12.2035% | 2,002 |
| Core capital (leverage) ratio | 10.0524% | 3,353 |
| Tier 1 risk-based capital ratio | 11.2677% | 6,360 |
| Total risk-based capital ratio | 13.9915% | 5,352 |
| Memoranda: |
| Average total assets | $280,966,604,670 | 6 |
| Average earning assets | $239,021,730,330 | 6 |
| Average equity | $34,245,929,330 | 5 |
| Average total loans | $175,043,567,000 | 6 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3976% | 4,349 |
| Cost of funding earning assets | 0.3472% | 6,653 |
| Net interest margin | 4.0504% | 2,302 |
| Noninterest income to average assets | 1.6268% | 550 |
| Noninterest expense to average assets | 3.5010% | 1,760 |
| Loan and lease loss provision to assets | 0.2637% | 2,351 |
| Net operating income to assets | 0.9347% | 2,769 |
| Return on assets (ROA) | 0.9425% | 2,940 |
| Pretax return on assets | 1.3199% | 2,471 |
| Return on Equity (ROE) | 7.7376% | 3,391 |
| Retained earnings to average equity (ytd only) | 0.7931% | 5,739 |
| Net charge-offs to loans | 0.7802% | 1,315 |
| Credit loss provision to net charge-offs | 54.5713% | 3,207 |
| Earnings coverage of net charge-offs (x) | 3.2451% | 2,904 |
| Efficiency ratio | 67.9282% | 4,188 |
| Assets per employee ($millions) | 5.3292% | 1,854 |
| Cash dividends to net income (ytd only)* | 89.7496% | 675 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3419% | 1,601 |
| Loan loss allowance to noncurrent loans | 53.1324% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 3.0922% | 1,881 |
| Noncurrent loans to loans | 4.4076% | 1,335 |
| Net loans and leases to total assets | 60.8077% | 3,490 |
| Net loans and leases to deposits | 82.3108% | 1,891 |
| Net loans and leases to core deposits | 86.4135% | 2,244 |
| Total domestic deposits to total assets | 71.2550% | 6,920 |
| Equity capital to assets | 12.3324% | 1,827 |
| Core capital (leverage) ratio | 10.5934% | 2,649 |
| Tier 1 risk-based capital ratio | 11.4389% | 6,318 |
| Total risk-based capital ratio | 14.2628% | 5,181 |
| Memoranda: |
| Average total assets | $275,537,878,000 | 6 |
| Average earning assets | $234,169,852,500 | 6 |
| Average equity | $33,562,518,000 | 5 |
| Average total loans | $170,652,670,500 | 6 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6123% | 4,628 |
| Cost of funding earning assets | 0.4945% | 6,557 |
| Net interest margin | 4.1178% | 2,357 |
| Noninterest income to average assets | 1.7860% | 449 |
| Noninterest expense to average assets | 3.3797% | 2,293 |
| Loan and lease loss provision to assets | 0.4269% | 2,457 |
| Net operating income to assets | 1.0727% | 1,914 |
| Return on assets (ROA) | 1.0850% | 2,009 |
| Pretax return on assets | 1.5065% | 1,448 |
| Return on Equity (ROE) | 8.8345% | 2,529 |
| Retained earnings to average equity (ytd only) | 1.4626% | 5,166 |
| Net charge-offs to loans | 1.0511% | 1,652 |
| Credit loss provision to net charge-offs | 67.0918% | 4,959 |
| Earnings coverage of net charge-offs (x) | 3.0024% | 3,705 |
| Efficiency ratio | 62.6887% | 5,356 |
| Assets per employee ($millions) | 5.3293% | 1,802 |
| Cash dividends to net income (ytd only)* | 83.4442% | 685 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6812% | 1,095 |
| Loan loss allowance to noncurrent loans | 54.1807% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 3.3664% | 1,760 |
| Noncurrent loans to loans | 4.9486% | 1,146 |
| Net loans and leases to total assets | 59.9212% | 4,007 |
| Net loans and leases to deposits | 79.9513% | 2,526 |
| Net loans and leases to core deposits | 85.4532% | 2,706 |
| Total domestic deposits to total assets | 70.9949% | 6,935 |
| Equity capital to assets | 12.0149% | 2,114 |
| Core capital (leverage) ratio | 10.0460% | 3,280 |
| Tier 1 risk-based capital ratio | 11.4005% | 6,214 |
| Total risk-based capital ratio | 14.4265% | 4,912 |
| Memoranda: |
| Average total assets | $257,446,253,200 | 6 |
| Average earning assets | $219,089,271,400 | 6 |
| Average equity | $31,616,876,200 | 5 |
| Average total loans | $155,858,306,200 | 6 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6443% | 4,689 |
| Cost of funding earning assets | 0.5164% | 6,642 |
| Net interest margin | 4.1278% | 2,362 |
| Noninterest income to average assets | 1.7887% | 446 |
| Noninterest expense to average assets | 3.2488% | 2,666 |
| Loan and lease loss provision to assets | 0.4858% | 2,046 |
| Net operating income to assets | 1.1010% | 1,966 |
| Return on assets (ROA) | 1.1229% | 2,024 |
| Pretax return on assets | 1.6028% | 1,381 |
| Return on Equity (ROE) | 9.0924% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.0905% | 4,483 |
| Net charge-offs to loans | 1.1335% | 1,394 |
| Credit loss provision to net charge-offs | 71.1017% | 4,447 |
| Earnings coverage of net charge-offs (x) | 3.0067% | 3,633 |
| Efficiency ratio | 60.0581% | 5,710 |
| Assets per employee ($millions) | 5.3058% | 1,808 |
| Cash dividends to net income (ytd only)* | 66.0107% | 999 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8683% | 963 |
| Loan loss allowance to noncurrent loans | 56.4115% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.3674% | 1,884 |
| Noncurrent loans to loans | 5.0846% | 1,213 |
| Net loans and leases to total assets | 58.4206% | 4,434 |
| Net loans and leases to deposits | 77.4196% | 3,097 |
| Net loans and leases to core deposits | 84.0380% | 3,065 |
| Total domestic deposits to total assets | 70.6928% | 7,001 |
| Equity capital to assets | 12.3938% | 1,974 |
| Core capital (leverage) ratio | 10.3531% | 3,033 |
| Tier 1 risk-based capital ratio | 11.8620% | 5,993 |
| Total risk-based capital ratio | 15.0232% | 4,482 |
| Memoranda: |
| Average total assets | $255,980,426,750 | 6 |
| Average earning assets | $217,943,075,250 | 6 |
| Average equity | $31,611,990,250 | 5 |
| Average total loans | $154,291,585,750 | 7 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6919% | 4,560 |
| Cost of funding earning assets | 0.5352% | 6,724 |
| Net interest margin | 4.1566% | 2,203 |
| Noninterest income to average assets | 1.8255% | 408 |
| Noninterest expense to average assets | 3.2627% | 2,691 |
| Loan and lease loss provision to assets | 0.5407% | 1,801 |
| Net operating income to assets | 1.0951% | 1,884 |
| Return on assets (ROA) | 1.1160% | 1,911 |
| Pretax return on assets | 1.5971% | 1,265 |
| Return on Equity (ROE) | 9.0484% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.4856% | 3,341 |
| Net charge-offs to loans | 1.2346% | 1,265 |
| Credit loss provision to net charge-offs | 72.6133% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.8282% | 3,431 |
| Efficiency ratio | 59.5664% | 5,937 |
| Assets per employee ($millions) | 5.1613% | 1,919 |
| Cash dividends to net income (ytd only)* | 50.4266% | 1,675 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0194% | 882 |
| Loan loss allowance to noncurrent loans | 56.6850% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 3.5248% | 1,862 |
| Noncurrent loans to loans | 5.3267% | 1,200 |
| Net loans and leases to total assets | 58.3187% | 4,573 |
| Net loans and leases to deposits | 79.0014% | 2,965 |
| Net loans and leases to core deposits | 84.0296% | 3,204 |
| Total domestic deposits to total assets | 70.9394% | 7,062 |
| Equity capital to assets | 12.5473% | 1,754 |
| Core capital (leverage) ratio | 10.5438% | 2,666 |
| Tier 1 risk-based capital ratio | 12.1948% | 5,619 |
| Total risk-based capital ratio | 15.4401% | 3,993 |
| Memoranda: |
| Average total assets | $254,228,623,330 | 6 |
| Average earning assets | $216,714,892,670 | 6 |
| Average equity | $31,356,980,000 | 5 |
| Average total loans | $153,348,030,330 | 7 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7247% | 4,394 |
| Cost of funding earning assets | 0.5464% | 6,816 |
| Net interest margin | 4.1783% | 1,968 |
| Noninterest income to average assets | 1.8627% | 405 |
| Noninterest expense to average assets | 3.3051% | 2,545 |
| Loan and lease loss provision to assets | 0.6386% | 1,349 |
| Net operating income to assets | 1.0376% | 2,038 |
| Return on assets (ROA) | 1.0371% | 2,097 |
| Pretax return on assets | 1.4892% | 1,477 |
| Return on Equity (ROE) | 8.4815% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.3825% | 1,591 |
| Net charge-offs to loans | 1.3885% | 988 |
| Credit loss provision to net charge-offs | 76.1353% | 3,231 |
| Earnings coverage of net charge-offs (x) | 2.5356% | 3,068 |
| Efficiency ratio | 59.6370% | 6,035 |
| Assets per employee ($millions) | 5.1469% | 1,966 |
| Cash dividends to net income (ytd only)* | 1.1676% | 2,505 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1179% | 826 |
| Loan loss allowance to noncurrent loans | 54.1733% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 3.8162% | 1,763 |
| Noncurrent loans to loans | 5.7554% | 1,125 |
| Net loans and leases to total assets | 58.8645% | 4,485 |
| Net loans and leases to deposits | 78.4938% | 2,979 |
| Net loans and leases to core deposits | 84.9764% | 3,037 |
| Total domestic deposits to total assets | 71.4407% | 7,113 |
| Equity capital to assets | 12.5475% | 1,600 |
| Core capital (leverage) ratio | 10.3984% | 2,704 |
| Tier 1 risk-based capital ratio | 12.2470% | 5,479 |
| Total risk-based capital ratio | 15.5707% | 3,815 |
| Memoranda: |
| Average total assets | $253,930,070,000 | 6 |
| Average earning assets | $216,922,325,000 | 6 |
| Average equity | $31,048,620,500 | 5 |
| Average total loans | $153,403,123,000 | 7 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1163% | 4,024 |
| Cost of funding earning assets | 0.6770% | 6,940 |
| Net interest margin | 4.4393% | 1,375 |
| Noninterest income to average assets | 1.8321% | 460 |
| Noninterest expense to average assets | 3.2850% | 2,782 |
| Loan and lease loss provision to assets | 1.0244% | 1,580 |
| Net operating income to assets | 0.9210% | 2,314 |
| Return on assets (ROA) | 0.9407% | 2,362 |
| Pretax return on assets | 1.3236% | 1,876 |
| Return on Equity (ROE) | 7.8911% | 2,743 |
| Retained earnings to average equity (ytd only) | 2.5219% | 4,108 |
| Net charge-offs to loans | 1.8700% | 1,106 |
| Credit loss provision to net charge-offs | 88.8788% | 5,176 |
| Earnings coverage of net charge-offs (x) | 2.0101% | 4,231 |
| Efficiency ratio | 57.2804% | 6,422 |
| Assets per employee ($millions) | 5.2864% | 1,766 |
| Cash dividends to net income (ytd only)* | 68.0416% | 1,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1698% | 753 |
| Loan loss allowance to noncurrent loans | 53.2299% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 3.8762% | 1,761 |
| Noncurrent loans to loans | 5.9549% | 1,052 |
| Net loans and leases to total assets | 58.1674% | 5,003 |
| Net loans and leases to deposits | 77.7849% | 3,544 |
| Net loans and leases to core deposits | 85.8042% | 3,346 |
| Total domestic deposits to total assets | 70.3309% | 7,219 |
| Equity capital to assets | 11.9138% | 1,960 |
| Core capital (leverage) ratio | 10.0387% | 3,044 |
| Tier 1 risk-based capital ratio | 11.8140% | 5,644 |
| Total risk-based capital ratio | 15.1289% | 3,923 |
| Memoranda: |
| Average total assets | $254,767,776,400 | 6 |
| Average earning assets | $216,334,000,400 | 6 |
| Average equity | $30,372,191,200 | 5 |
| Average total loans | $157,020,010,200 | 7 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2108% | 3,780 |
| Cost of funding earning assets | 0.6965% | 7,069 |
| Net interest margin | 4.5143% | 1,228 |
| Noninterest income to average assets | 1.8114% | 448 |
| Noninterest expense to average assets | 3.1524% | 3,101 |
| Loan and lease loss provision to assets | 1.1340% | 1,278 |
| Net operating income to assets | 0.9224% | 2,528 |
| Return on assets (ROA) | 0.9418% | 2,576 |
| Pretax return on assets | 1.3813% | 1,937 |
| Return on Equity (ROE) | 7.8987% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.7973% | 1,484 |
| Net charge-offs to loans | 1.8131% | 1,062 |
| Credit loss provision to net charge-offs | 100.8331% | 4,279 |
| Earnings coverage of net charge-offs (x) | 2.2078% | 4,072 |
| Efficiency ratio | 54.5506% | 6,737 |
| Assets per employee ($millions) | 5.2168% | 1,914 |
| Cash dividends to net income (ytd only)* | 1.2839% | 3,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4085% | 576 |
| Loan loss allowance to noncurrent loans | 54.8886% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 4.0860% | 1,695 |
| Noncurrent loans to loans | 6.2098% | 986 |
| Net loans and leases to total assets | 58.9938% | 5,106 |
| Net loans and leases to deposits | 80.0950% | 3,430 |
| Net loans and leases to core deposits | 86.8985% | 3,533 |
| Total domestic deposits to total assets | 70.4118% | 7,251 |
| Equity capital to assets | 12.7962% | 1,683 |
| Core capital (leverage) ratio | 10.4665% | 2,717 |
| Tier 1 risk-based capital ratio | 12.6348% | 4,864 |
| Total risk-based capital ratio | 16.4455% | 3,127 |
| Memoranda: |
| Average total assets | $254,300,033,750 | 6 |
| Average earning assets | $215,409,806,250 | 6 |
| Average equity | $30,321,401,000 | 5 |
| Average total loans | $157,733,295,250 | 6 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3252% | 3,348 |
| Cost of funding earning assets | 0.7101% | 7,170 |
| Net interest margin | 4.6151% | 963 |
| Noninterest income to average assets | 1.8500% | 394 |
| Noninterest expense to average assets | 3.0703% | 3,431 |
| Loan and lease loss provision to assets | 1.2940% | 1,066 |
| Net operating income to assets | 0.9380% | 2,409 |
| Return on assets (ROA) | 0.9455% | 2,475 |
| Pretax return on assets | 1.3992% | 1,841 |
| Return on Equity (ROE) | 8.1251% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.0216% | 1,430 |
| Net charge-offs to loans | 1.9234% | 960 |
| Credit loss provision to net charge-offs | 107.9212% | 3,775 |
| Earnings coverage of net charge-offs (x) | 2.2344% | 3,890 |
| Efficiency ratio | 51.9918% | 7,069 |
| Assets per employee ($millions) | 5.1304% | 2,012 |
| Cash dividends to net income (ytd only)* | 1.2739% | 3,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3945% | 592 |
| Loan loss allowance to noncurrent loans | 52.3935% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 4.3543% | 1,530 |
| Noncurrent loans to loans | 6.4788% | 926 |
| Net loans and leases to total assets | 60.4872% | 4,968 |
| Net loans and leases to deposits | 83.2998% | 3,010 |
| Net loans and leases to core deposits | 89.0125% | 3,407 |
| Total domestic deposits to total assets | 70.6356% | 7,289 |
| Equity capital to assets | 12.3458% | 1,899 |
| Core capital (leverage) ratio | 10.1316% | 3,019 |
| Tier 1 risk-based capital ratio | 11.9882% | 5,324 |
| Total risk-based capital ratio | 15.6461% | 3,462 |
| Memoranda: |
| Average total assets | $255,301,091,000 | 6 |
| Average earning assets | $215,705,998,330 | 6 |
| Average equity | $29,709,678,670 | 5 |
| Average total loans | $159,150,753,330 | 6 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3235% | 3,430 |
| Cost of funding earning assets | 0.7529% | 7,222 |
| Net interest margin | 4.5706% | 1,003 |
| Noninterest income to average assets | 1.8079% | 394 |
| Noninterest expense to average assets | 3.1324% | 3,126 |
| Loan and lease loss provision to assets | 1.2381% | 982 |
| Net operating income to assets | 0.9008% | 2,538 |
| Return on assets (ROA) | 0.8652% | 2,779 |
| Pretax return on assets | 1.2446% | 2,222 |
| Return on Equity (ROE) | 7.6626% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.5568% | 1,898 |
| Net charge-offs to loans | 1.7255% | 1,004 |
| Credit loss provision to net charge-offs | 115.3513% | 3,020 |
| Earnings coverage of net charge-offs (x) | 2.3577% | 3,364 |
| Efficiency ratio | 53.8762% | 6,985 |
| Assets per employee ($millions) | 5.2500% | 1,915 |
| Cash dividends to net income (ytd only)* | 1.3806% | 2,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3204% | 625 |
| Loan loss allowance to noncurrent loans | 46.5604% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 4.7719% | 1,378 |
| Noncurrent loans to loans | 7.1313% | 827 |
| Net loans and leases to total assets | 60.7833% | 4,984 |
| Net loans and leases to deposits | 82.8468% | 3,132 |
| Net loans and leases to core deposits | 89.1276% | 3,480 |
| Total domestic deposits to total assets | 71.0395% | 7,339 |
| Equity capital to assets | 11.6389% | 2,272 |
| Core capital (leverage) ratio | 9.9862% | 3,178 |
| Tier 1 risk-based capital ratio | 11.5146% | 5,659 |
| Total risk-based capital ratio | 15.1079% | 3,718 |
| Memoranda: |
| Average total assets | $257,413,990,500 | 6 |
| Average earning assets | $217,122,869,000 | 6 |
| Average equity | $29,065,843,000 | 5 |
| Average total loans | $160,123,781,500 | 6 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1801% | 5,742 |
| Cost of funding earning assets | 1.0932% | 6,998 |
| Net interest margin | 4.0870% | 2,506 |
| Noninterest income to average assets | 1.9076% | 406 |
| Noninterest expense to average assets | 3.1064% | 3,709 |
| Loan and lease loss provision to assets | 1.4185% | 1,616 |
| Net operating income to assets | 0.5548% | 3,506 |
| Return on assets (ROA) | 0.5488% | 3,621 |
| Pretax return on assets | 0.7767% | 3,314 |
| Return on Equity (ROE) | 5.5706% | 3,394 |
| Retained earnings to average equity (ytd only) | 1.8318% | 3,818 |
| Net charge-offs to loans | 1.5928% | 1,583 |
| Credit loss provision to net charge-offs | 146.3931% | 3,237 |
| Earnings coverage of net charge-offs (x) | 2.2750% | 4,020 |
| Efficiency ratio | 57.0189% | 6,888 |
| Assets per employee ($millions) | 5.3528% | 1,786 |
| Cash dividends to net income (ytd only)* | 67.1165% | 1,683 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1603% | 678 |
| Loan loss allowance to noncurrent loans | 45.9869% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 4.4591% | 1,449 |
| Noncurrent loans to loans | 6.8721% | 831 |
| Net loans and leases to total assets | 59.6082% | 5,397 |
| Net loans and leases to deposits | 80.3790% | 3,921 |
| Net loans and leases to core deposits | 92.1356% | 4,871 |
| Total domestic deposits to total assets | 70.3320% | 7,394 |
| Equity capital to assets | 10.9518% | 2,740 |
| Core capital (leverage) ratio | 9.3076% | 3,961 |
| Tier 1 risk-based capital ratio | 10.8793% | 6,031 |
| Total risk-based capital ratio | 14.4267% | 3,976 |
| Memoranda: |
| Average total assets | $279,840,297,000 | 6 |
| Average earning assets | $233,018,794,200 | 6 |
| Average equity | $27,568,994,400 | 7 |
| Average total loans | $170,238,902,800 | 7 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7476% | 7,211 |
| Cost of funding earning assets | 1.0099% | 7,369 |
| Net interest margin | 3.7376% | 3,921 |
| Noninterest income to average assets | 1.5649% | 603 |
| Noninterest expense to average assets | 2.8669% | 4,582 |
| Loan and lease loss provision to assets | 1.0517% | 1,834 |
| Net operating income to assets | 0.5528% | 3,783 |
| Return on assets (ROA) | 0.3657% | 4,632 |
| Pretax return on assets | 0.4575% | 4,649 |
| Return on Equity (ROE) | 4.3645% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.1085% | 2,984 |
| Net charge-offs to loans | 1.3720% | 1,499 |
| Credit loss provision to net charge-offs | 143.7604% | 3,398 |
| Earnings coverage of net charge-offs (x) | 2.3679% | 4,049 |
| Efficiency ratio | 61.2282% | 6,235 |
| Assets per employee ($millions) | 6.9378% | 811 |
| Cash dividends to net income (ytd only)* | 5.8647% | 3,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2300% | 1,375 |
| Loan loss allowance to noncurrent loans | 59.4319% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.9556% | 3,408 |
| Noncurrent loans to loans | 3.7522% | 1,986 |
| Net loans and leases to total assets | 50.3454% | 6,751 |
| Net loans and leases to deposits | 77.1192% | 4,881 |
| Net loans and leases to core deposits | 87.4144% | 5,702 |
| Total domestic deposits to total assets | 60.4213% | 7,865 |
| Equity capital to assets | 9.3089% | 5,024 |
| Core capital (leverage) ratio | 7.6970% | 6,738 |
| Tier 1 risk-based capital ratio | 9.0113% | 7,617 |
| Total risk-based capital ratio | 12.2953% | 5,863 |
| Memoranda: |
| Average total assets | $143,378,117,750 | 12 |
| Average earning assets | $116,398,448,750 | 14 |
| Average equity | $12,013,208,500 | 23 |
| Average total loans | $76,448,133,000 | 16 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7926% | 7,240 |
| Cost of funding earning assets | 1.1372% | 7,281 |
| Net interest margin | 3.6554% | 4,140 |
| Noninterest income to average assets | 1.4951% | 660 |
| Noninterest expense to average assets | 2.8348% | 4,806 |
| Loan and lease loss provision to assets | 1.1597% | 1,486 |
| Net operating income to assets | 0.4399% | 4,340 |
| Return on assets (ROA) | 0.2264% | 5,257 |
| Pretax return on assets | 0.2323% | 5,380 |
| Return on Equity (ROE) | 2.7981% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.5247% | 3,928 |
| Net charge-offs to loans | 1.5112% | 1,257 |
| Credit loss provision to net charge-offs | 143.8125% | 3,224 |
| Earnings coverage of net charge-offs (x) | 1.9951% | 4,092 |
| Efficiency ratio | 62.6138% | 6,150 |
| Assets per employee ($millions) | 6.5901% | 933 |
| Cash dividends to net income (ytd only)* | 9.7689% | 3,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1289% | 1,350 |
| Loan loss allowance to noncurrent loans | 61.9859% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.8450% | 3,409 |
| Noncurrent loans to loans | 3.4344% | 2,048 |
| Net loans and leases to total assets | 51.8908% | 6,700 |
| Net loans and leases to deposits | 78.2597% | 4,823 |
| Net loans and leases to core deposits | 89.0450% | 5,628 |
| Total domestic deposits to total assets | 61.7147% | 7,900 |
| Equity capital to assets | 8.9474% | 5,386 |
| Core capital (leverage) ratio | 7.5483% | 6,961 |
| Tier 1 risk-based capital ratio | 9.0193% | 7,687 |
| Total risk-based capital ratio | 12.4581% | 5,596 |
| Memoranda: |
| Average total assets | $139,058,861,670 | 15 |
| Average earning assets | $112,168,450,330 | 14 |
| Average equity | $11,249,653,330 | 22 |
| Average total loans | $74,203,680,330 | 15 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7916% | 7,382 |
| Cost of funding earning assets | 1.2392% | 7,209 |
| Net interest margin | 3.5524% | 4,516 |
| Noninterest income to average assets | 1.3541% | 784 |
| Noninterest expense to average assets | 2.6946% | 5,033 |
| Loan and lease loss provision to assets | 1.1345% | 1,147 |
| Net operating income to assets | 0.4303% | 4,743 |
| Return on assets (ROA) | 0.1087% | 6,119 |
| Pretax return on assets | 0.0545% | 6,269 |
| Return on Equity (ROE) | 1.4166% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.1311% | 5,190 |
| Net charge-offs to loans | 1.2734% | 1,102 |
| Credit loss provision to net charge-offs | 166.4447% | 2,573 |
| Earnings coverage of net charge-offs (x) | 2.2163% | 3,633 |
| Efficiency ratio | 62.7983% | 5,910 |
| Assets per employee ($millions) | 6.8282% | 840 |
| Cash dividends to net income (ytd only)* | 20.1515% | 2,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9528% | 1,522 |
| Loan loss allowance to noncurrent loans | 69.4854% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 3,665 |
| Noncurrent loans to loans | 2.8104% | 2,328 |
| Net loans and leases to total assets | 52.0954% | 6,672 |
| Net loans and leases to deposits | 79.9867% | 4,616 |
| Net loans and leases to core deposits | 91.2864% | 5,425 |
| Total domestic deposits to total assets | 60.7643% | 7,951 |
| Equity capital to assets | 8.0710% | 6,709 |
| Core capital (leverage) ratio | 6.8476% | 7,731 |
| Tier 1 risk-based capital ratio | 8.0744% | 8,004 |
| Total risk-based capital ratio | 11.1303% | 6,951 |
| Memoranda: |
| Average total assets | $140,394,383,000 | 15 |
| Average earning assets | $112,679,164,500 | 15 |
| Average equity | $10,772,881,000 | 23 |
| Average total loans | $75,149,427,500 | 16 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6116% | 7,025 |
| Cost of funding earning assets | 2.0808% | 6,130 |
| Net interest margin | 3.5308% | 5,187 |
| Noninterest income to average assets | 1.4718% | 654 |
| Noninterest expense to average assets | 2.6373% | 5,503 |
| Loan and lease loss provision to assets | 0.7233% | 2,040 |
| Net operating income to assets | 0.6751% | 4,006 |
| Return on assets (ROA) | 0.5677% | 4,310 |
| Pretax return on assets | 0.8132% | 4,019 |
| Return on Equity (ROE) | 6.2311% | 3,850 |
| Retained earnings to average equity (ytd only) | -0.5723% | 5,460 |
| Net charge-offs to loans | 0.6861% | 1,788 |
| Credit loss provision to net charge-offs | 190.9185% | 2,577 |
| Earnings coverage of net charge-offs (x) | 4.4603% | 3,977 |
| Efficiency ratio | 59.5833% | 6,422 |
| Assets per employee ($millions) | 6.8739% | 748 |
| Cash dividends to net income (ytd only)* | 109.1847% | 819 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7044% | 1,894 |
| Loan loss allowance to noncurrent loans | 82.6561% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 4,015 |
| Noncurrent loans to loans | 2.0621% | 2,677 |
| Net loans and leases to total assets | 53.0006% | 6,749 |
| Net loans and leases to deposits | 79.0713% | 5,186 |
| Net loans and leases to core deposits | 90.3420% | 5,773 |
| Total domestic deposits to total assets | 62.6344% | 7,852 |
| Equity capital to assets | 7.2778% | 7,574 |
| Core capital (leverage) ratio | 6.3010% | 7,989 |
| Tier 1 risk-based capital ratio | 7.0875% | 8,163 |
| Total risk-based capital ratio | 10.2895% | 7,735 |
| Memoranda: |
| Average total assets | $134,025,123,600 | 16 |
| Average earning assets | $108,385,168,400 | 16 |
| Average equity | $12,210,769,800 | 20 |
| Average total loans | $74,012,531,200 | 16 |
