| 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 | 4.5391% | 3,031 |
| Cost of funding earning assets | 1.8841% | 1,098 |
| Net interest margin | 2.6550% | 3,889 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.7614% | 4,052 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.6372% | 3,344 |
| Return on assets (ROA) | 0.6084% | 3,410 |
| Pretax return on assets | 0.6747% | 3,491 |
| Return on Equity (ROE) | 5.1600% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.0443% | 2,944 |
| Net charge-offs to loans | 0.3709% | 288 |
| Credit loss provision to net charge-offs | 111.6017% | 1,747 |
| Earnings coverage of net charge-offs (x) | 5.2206% | 2,536 |
| Efficiency ratio | 66.1852% | 2,333 |
| Assets per employee ($millions) | 13.6491% | 275 |
| Cash dividends to net income (ytd only)* | 21.6770% | 2,880 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4346% | 1,260 |
| Loan loss allowance to noncurrent loans | 236.8401% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 1,720 |
| Noncurrent loans to loans | 0.6057% | 1,303 |
| Net loans and leases to total assets | 49.0800% | 3,652 |
| Net loans and leases to deposits | 59.3373% | 3,565 |
| Net loans and leases to core deposits | 62.3371% | 3,665 |
| Total domestic deposits to total assets | 82.7200% | 2,959 |
| Equity capital to assets | 12.6045% | 966 |
| Core capital (leverage) ratio | 11.0125% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0302% | 789 |
| Memoranda: |
| Average total assets | $379,144,300,800 | 10 |
| Average earning assets | $344,135,750,800 | 10 |
| Average equity | $44,669,963,400 | 10 |
| Average total loans | $175,412,252,200 | 9 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4255% | 3,049 |
| Cost of funding earning assets | 1.7915% | 1,018 |
| Net interest margin | 2.6340% | 3,975 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.6268% | 4,208 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.7082% | 3,303 |
| Return on assets (ROA) | 0.6706% | 3,372 |
| Pretax return on assets | 0.7573% | 3,434 |
| Return on Equity (ROE) | 5.7900% | 3,679 |
| Retained earnings to average equity (ytd only) | 4.6595% | 3,056 |
| Net charge-offs to loans | 0.3040% | 289 |
| Credit loss provision to net charge-offs | 116.3543% | 1,505 |
| Earnings coverage of net charge-offs (x) | 6.9540% | 2,257 |
| Efficiency ratio | 62.7700% | 2,634 |
| Assets per employee ($millions) | 13.2849% | 284 |
| Cash dividends to net income (ytd only)* | 19.5107% | 2,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1883% | 2,421 |
| Loan loss allowance to noncurrent loans | 186.9894% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 1,767 |
| Noncurrent loans to loans | 0.6355% | 1,286 |
| Net loans and leases to total assets | 48.4600% | 3,713 |
| Net loans and leases to deposits | 58.2939% | 3,592 |
| Net loans and leases to core deposits | 61.1794% | 3,646 |
| Total domestic deposits to total assets | 83.1400% | 2,987 |
| Equity capital to assets | 12.3727% | 952 |
| Core capital (leverage) ratio | 10.9304% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1072% | 802 |
| Memoranda: |
| Average total assets | $382,136,713,250 | 10 |
| Average earning assets | $346,168,243,250 | 10 |
| Average equity | $44,267,345,000 | 10 |
| Average total loans | $173,554,703,750 | 9 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2555% | 3,189 |
| Cost of funding earning assets | 1.6648% | 941 |
| Net interest margin | 2.5907% | 4,121 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.6359% | 4,226 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.5833% | 3,624 |
| Return on assets (ROA) | 0.5366% | 3,739 |
| Pretax return on assets | 0.6072% | 3,785 |
| Return on Equity (ROE) | 4.7300% | 3,918 |
| Retained earnings to average equity (ytd only) | 3.5951% | 3,320 |
| Net charge-offs to loans | 0.2953% | 284 |
| Credit loss provision to net charge-offs | 114.4546% | 1,351 |
| Earnings coverage of net charge-offs (x) | 6.1956% | 2,135 |
| Efficiency ratio | 66.7594% | 2,149 |
| Assets per employee ($millions) | 13.4997% | 263 |
| Cash dividends to net income (ytd only)* | 24.0513% | 2,292 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1976% | 2,455 |
| Loan loss allowance to noncurrent loans | 214.0629% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 1,881 |
| Noncurrent loans to loans | 0.5595% | 1,341 |
| Net loans and leases to total assets | 46.4400% | 3,772 |
| Net loans and leases to deposits | 57.1844% | 3,578 |
| Net loans and leases to core deposits | 59.5316% | 3,658 |
| Total domestic deposits to total assets | 81.2000% | 3,394 |
| Equity capital to assets | 11.9424% | 1,067 |
| Core capital (leverage) ratio | 10.5197% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9484% | 821 |
| Memoranda: |
| Average total assets | $387,431,640,667 | 10 |
| Average earning assets | $349,660,649,333 | 10 |
| Average equity | $43,918,066,000 | 10 |
| Average total loans | $171,527,560,667 | 9 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0809% | 3,287 |
| Cost of funding earning assets | 1.4823% | 874 |
| Net interest margin | 2.5986% | 4,204 |
| Noninterest income to average assets | -0.0500% | 4,658 |
| Noninterest expense to average assets | 1.5390% | 4,361 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.5414% | 3,807 |
| Return on assets (ROA) | 0.4490% | 3,958 |
| Pretax return on assets | 0.5019% | 3,986 |
| Return on Equity (ROE) | 4.0600% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.9152% | 3,525 |
| Net charge-offs to loans | 0.3107% | 255 |
| Credit loss provision to net charge-offs | 97.8454% | 1,149 |
| Earnings coverage of net charge-offs (x) | 5.5149% | 1,810 |
| Efficiency ratio | 67.4869% | 2,038 |
| Assets per employee ($millions) | 14.4624% | 232 |
| Cash dividends to net income (ytd only)* | 28.2650% | 1,787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2063% | 2,519 |
| Loan loss allowance to noncurrent loans | 229.3051% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 1,989 |
| Noncurrent loans to loans | 0.5261% | 1,408 |
| Net loans and leases to total assets | 42.1900% | 3,944 |
| Net loans and leases to deposits | 54.3031% | 3,662 |
| Net loans and leases to core deposits | 56.1004% | 3,735 |
| Total domestic deposits to total assets | 77.6900% | 4,031 |
| Equity capital to assets | 11.0864% | 1,311 |
| Core capital (leverage) ratio | 9.9470% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6234% | 891 |
| Memoranda: |
| Average total assets | $394,021,973,500 | 10 |
| Average earning assets | $352,713,404,000 | 10 |
| Average equity | $43,529,879,000 | 10 |
| Average total loans | $169,346,242,500 | 10 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6225% | 4,450 |
| Cost of funding earning assets | 0.4904% | 1,462 |
| Net interest margin | 2.1321% | 4,503 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 1.3932% | 4,512 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9917% | 2,601 |
| Return on assets (ROA) | 0.9903% | 2,553 |
| Pretax return on assets | 1.1786% | 2,510 |
| Return on Equity (ROE) | 9.1300% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,828 |
| Net charge-offs to loans | 0.2301% | 345 |
| Credit loss provision to net charge-offs | 82.8062% | 1,669 |
| Earnings coverage of net charge-offs (x) | 13.8462% | 2,052 |
| Efficiency ratio | 52.4400% | 3,943 |
| Assets per employee ($millions) | 14.3562% | 226 |
| Cash dividends to net income (ytd only)* | 12.4499% | 3,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2370% | 2,212 |
| Loan loss allowance to noncurrent loans | 228.5834% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 1,965 |
| Noncurrent loans to loans | 0.5411% | 1,364 |
| Net loans and leases to total assets | 42.7300% | 3,945 |
| Net loans and leases to deposits | 50.1206% | 3,890 |
| Net loans and leases to core deposits | 51.4000% | 3,926 |
| Total domestic deposits to total assets | 85.2500% | 2,923 |
| Equity capital to assets | 11.0073% | 1,255 |
| Core capital (leverage) ratio | 10.1251% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8105% | 857 |
| Memoranda: |
| Average total assets | $405,534,275,600 | 10 |
| Average earning assets | $375,895,103,600 | 11 |
| Average equity | $43,963,833,600 | 10 |
| Average total loans | $159,789,340,000 | 9 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2931% | 4,539 |
| Cost of funding earning assets | 0.3000% | 2,168 |
| Net interest margin | 1.9931% | 4,552 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 1.3344% | 4,557 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0150% | 2,426 |
| Return on assets (ROA) | 1.0077% | 2,419 |
| Pretax return on assets | 1.1977% | 2,375 |
| Return on Equity (ROE) | 9.3300% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.2002% | 1,924 |
| Net charge-offs to loans | 0.2063% | 322 |
| Credit loss provision to net charge-offs | 89.5420% | 1,380 |
| Earnings coverage of net charge-offs (x) | 16.0907% | 1,823 |
| Efficiency ratio | 50.9125% | 4,100 |
| Assets per employee ($millions) | 15.1526% | 198 |
| Cash dividends to net income (ytd only)* | 12.0958% | 2,769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2938% | 2,057 |
| Loan loss allowance to noncurrent loans | 212.8480% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 1,948 |
| Noncurrent loans to loans | 0.6078% | 1,333 |
| Net loans and leases to total assets | 40.7800% | 4,042 |
| Net loans and leases to deposits | 46.2744% | 4,015 |
| Net loans and leases to core deposits | 47.1557% | 4,056 |
| Total domestic deposits to total assets | 88.1200% | 2,387 |
| Equity capital to assets | 10.6077% | 1,327 |
| Core capital (leverage) ratio | 9.5614% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8110% | 883 |
| Memoranda: |
| Average total assets | $410,218,035,250 | 9 |
| Average earning assets | $380,833,449,750 | 10 |
| Average equity | $44,310,769,500 | 9 |
| Average total loans | $157,902,145,500 | 9 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9639% | 4,634 |
| Cost of funding earning assets | 0.1247% | 3,912 |
| Net interest margin | 1.8392% | 4,616 |
| Noninterest income to average assets | 0.4155% | 2,658 |
| Noninterest expense to average assets | 1.2780% | 4,602 |
| Loan and lease loss provision to assets | 0.0378% | 1,909 |
| Net operating income to assets | 0.6777% | 3,385 |
| Return on assets (ROA) | 0.6561% | 3,405 |
| Pretax return on assets | 0.7850% | 3,366 |
| Return on Equity (ROE) | 6.0380% | 3,562 |
| Retained earnings to average equity (ytd only) | 4.9303% | 2,732 |
| Net charge-offs to loans | 0.1866% | 346 |
| Credit loss provision to net charge-offs | 53.8533% | 1,478 |
| Earnings coverage of net charge-offs (x) | 12.0922% | 1,713 |
| Efficiency ratio | 59.8577% | 3,316 |
| Assets per employee ($millions) | 16.0765% | 161 |
| Cash dividends to net income (ytd only)* | 18.3459% | 2,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2952% | 2,212 |
| Loan loss allowance to noncurrent loans | 207.6205% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,079 |
| Noncurrent loans to loans | 0.6238% | 1,360 |
| Net loans and leases to total assets | 38.8523% | 4,127 |
| Net loans and leases to deposits | 44.1798% | 4,109 |
| Net loans and leases to core deposits | 44.8358% | 4,164 |
| Total domestic deposits to total assets | 87.9413% | 2,597 |
| Equity capital to assets | 10.7295% | 1,350 |
| Core capital (leverage) ratio | 8.9218% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5020% | 919 |
| Memoranda: |
| Average total assets | $415,410,230,333 | 10 |
| Average earning assets | $386,467,221,667 | 10 |
| Average equity | $45,137,890,000 | 8 |
| Average total loans | $156,234,817,000 | 9 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7459% | 4,675 |
| Cost of funding earning assets | 0.0641% | 4,499 |
| Net interest margin | 1.6818% | 4,649 |
| Noninterest income to average assets | 0.5764% | 1,797 |
| Noninterest expense to average assets | 1.2314% | 4,655 |
| Loan and lease loss provision to assets | 0.0161% | 2,061 |
| Net operating income to assets | 0.7510% | 2,851 |
| Return on assets (ROA) | 0.7083% | 3,014 |
| Pretax return on assets | 0.8454% | 2,960 |
| Return on Equity (ROE) | 6.4795% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.3918% | 2,446 |
| Net charge-offs to loans | 0.2149% | 288 |
| Credit loss provision to net charge-offs | 20.3534% | 1,290 |
| Earnings coverage of net charge-offs (x) | 11.5450% | 1,434 |
| Efficiency ratio | 57.1174% | 3,767 |
| Assets per employee ($millions) | 16.8351% | 147 |
| Cash dividends to net income (ytd only)* | 16.7871% | 2,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3305% | 2,210 |
| Loan loss allowance to noncurrent loans | 193.0598% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 2,113 |
| Noncurrent loans to loans | 0.6892% | 1,376 |
| Net loans and leases to total assets | 36.7266% | 4,166 |
| Net loans and leases to deposits | 41.7818% | 4,169 |
| Net loans and leases to core deposits | 42.1030% | 4,234 |
| Total domestic deposits to total assets | 87.9010% | 2,573 |
| Equity capital to assets | 10.6758% | 1,504 |
| Core capital (leverage) ratio | 8.5842% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0059% | 903 |
| Memoranda: |
| Average total assets | $420,503,840,500 | 10 |
| Average earning assets | $391,898,743,500 | 10 |
| Average equity | $45,967,535,000 | 8 |
| Average total loans | $154,600,050,000 | 9 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7821% | 4,721 |
| Cost of funding earning assets | 0.0724% | 4,571 |
| Net interest margin | 1.7097% | 4,688 |
| Noninterest income to average assets | 0.4240% | 2,929 |
| Noninterest expense to average assets | 1.2502% | 4,697 |
| Loan and lease loss provision to assets | -0.0600% | 4,406 |
| Net operating income to assets | 0.7235% | 3,559 |
| Return on assets (ROA) | 0.7237% | 3,622 |
| Pretax return on assets | 0.8312% | 3,663 |
| Return on Equity (ROE) | 6.4224% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.6168% | 2,512 |
| Net charge-offs to loans | 0.1929% | 507 |
| Credit loss provision to net charge-offs | -81.0531% | 3,326 |
| Earnings coverage of net charge-offs (x) | 10.4213% | 2,208 |
| Efficiency ratio | 61.4478% | 2,941 |
| Assets per employee ($millions) | 17.5120% | 143 |
| Cash dividends to net income (ytd only)* | 12.5434% | 3,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3865% | 1,968 |
| Loan loss allowance to noncurrent loans | 176.3774% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 2,086 |
| Noncurrent loans to loans | 0.7861% | 1,297 |
| Net loans and leases to total assets | 35.8123% | 4,295 |
| Net loans and leases to deposits | 40.9160% | 4,309 |
| Net loans and leases to core deposits | 41.1571% | 4,364 |
| Total domestic deposits to total assets | 87.5263% | 2,271 |
| Equity capital to assets | 11.1835% | 1,671 |
| Core capital (leverage) ratio | 8.4894% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3352% | 848 |
| Memoranda: |
| Average total assets | $413,085,505,800 | 8 |
| Average earning assets | $385,890,745,400 | 8 |
| Average equity | $46,549,966,400 | 8 |
| Average total loans | $158,449,869,800 | 9 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7779% | 4,799 |
| Cost of funding earning assets | 0.0863% | 4,602 |
| Net interest margin | 1.6916% | 4,771 |
| Noninterest income to average assets | 0.4231% | 2,961 |
| Noninterest expense to average assets | 1.2547% | 4,773 |
| Loan and lease loss provision to assets | -0.0837% | 4,565 |
| Net operating income to assets | 0.7310% | 3,694 |
| Return on assets (ROA) | 0.7312% | 3,754 |
| Pretax return on assets | 0.8325% | 3,833 |
| Return on Equity (ROE) | 6.4756% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.7564% | 2,931 |
| Net charge-offs to loans | 0.1935% | 436 |
| Credit loss provision to net charge-offs | -111.2198% | 3,246 |
| Earnings coverage of net charge-offs (x) | 9.9496% | 2,057 |
| Efficiency ratio | 62.2010% | 2,658 |
| Assets per employee ($millions) | 17.1609% | 144 |
| Cash dividends to net income (ytd only)* | 11.1072% | 2,930 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4184% | 1,948 |
| Loan loss allowance to noncurrent loans | 199.9933% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 2,406 |
| Noncurrent loans to loans | 0.7092% | 1,569 |
| Net loans and leases to total assets | 36.9644% | 4,340 |
| Net loans and leases to deposits | 42.4788% | 4,367 |
| Net loans and leases to core deposits | 42.7439% | 4,426 |
| Total domestic deposits to total assets | 87.0185% | 2,347 |
| Equity capital to assets | 11.5563% | 1,630 |
| Core capital (leverage) ratio | 8.5051% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2691% | 914 |
| Memoranda: |
| Average total assets | $410,444,566,750 | 8 |
| Average earning assets | $383,429,347,250 | 8 |
| Average equity | $46,342,793,250 | 7 |
| Average total loans | $159,599,445,250 | 9 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7718% | 4,841 |
| Cost of funding earning assets | 0.1164% | 4,465 |
| Net interest margin | 1.6554% | 4,817 |
| Noninterest income to average assets | 0.4186% | 3,010 |
| Noninterest expense to average assets | 1.2714% | 4,801 |
| Loan and lease loss provision to assets | -0.1008% | 4,628 |
| Net operating income to assets | 0.7016% | 3,761 |
| Return on assets (ROA) | 0.7017% | 3,825 |
| Pretax return on assets | 0.7947% | 3,874 |
| Return on Equity (ROE) | 6.2647% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.7197% | 2,916 |
| Net charge-offs to loans | 0.2241% | 388 |
| Credit loss provision to net charge-offs | -114.2663% | 3,081 |
| Earnings coverage of net charge-offs (x) | 7.8672% | 1,907 |
| Efficiency ratio | 64.2229% | 2,399 |
| Assets per employee ($millions) | 17.0761% | 148 |
| Cash dividends to net income (ytd only)* | 8.6987% | 2,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4473% | 1,781 |
| Loan loss allowance to noncurrent loans | 194.0485% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,442 |
| Noncurrent loans to loans | 0.7458% | 1,602 |
| Net loans and leases to total assets | 37.6863% | 4,396 |
| Net loans and leases to deposits | 43.2338% | 4,410 |
| Net loans and leases to core deposits | 43.4970% | 4,476 |
| Total domestic deposits to total assets | 87.1686% | 2,232 |
| Equity capital to assets | 11.3904% | 1,710 |
| Core capital (leverage) ratio | 8.2198% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9967% | 959 |
| Memoranda: |
| Average total assets | $409,549,139,333 | 8 |
| Average earning assets | $382,598,161,333 | 8 |
| Average equity | $45,876,206,333 | 8 |
| Average total loans | $161,163,108,000 | 9 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7730% | 4,871 |
| Cost of funding earning assets | 0.1118% | 4,574 |
| Net interest margin | 1.6612% | 4,847 |
| Noninterest income to average assets | 0.3790% | 3,202 |
| Noninterest expense to average assets | 1.2799% | 4,830 |
| Loan and lease loss provision to assets | -0.1243% | 4,747 |
| Net operating income to assets | 0.6966% | 3,713 |
| Return on assets (ROA) | 0.6968% | 3,777 |
| Pretax return on assets | 0.7747% | 3,856 |
| Return on Equity (ROE) | 6.2746% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.2746% | 2,802 |
| Net charge-offs to loans | 0.2673% | 319 |
| Credit loss provision to net charge-offs | -116.4689% | 2,854 |
| Earnings coverage of net charge-offs (x) | 6.0937% | 1,655 |
| Efficiency ratio | 65.7204% | 2,268 |
| Assets per employee ($millions) | 16.3329% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5162% | 1,551 |
| Loan loss allowance to noncurrent loans | 199.6185% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 2,601 |
| Noncurrent loans to loans | 0.7595% | 1,717 |
| Net loans and leases to total assets | 38.6882% | 4,396 |
| Net loans and leases to deposits | 44.2549% | 4,410 |
| Net loans and leases to core deposits | 67.8153% | 3,078 |
| Total domestic deposits to total assets | 87.4214% | 2,128 |
| Equity capital to assets | 11.2976% | 1,662 |
| Core capital (leverage) ratio | 8.2248% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6745% | 970 |
| Memoranda: |
| Average total assets | $406,566,959,500 | 8 |
| Average earning assets | $379,647,452,500 | 8 |
| Average equity | $45,149,928,500 | 8 |
| Average total loans | $162,299,030,500 | 9 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2515% | 4,887 |
| Cost of funding earning assets | 0.2869% | 4,213 |
| Net interest margin | 1.9646% | 4,842 |
| Noninterest income to average assets | 0.3961% | 3,112 |
| Noninterest expense to average assets | 1.3765% | 4,844 |
| Loan and lease loss provision to assets | 0.4915% | 515 |
| Net operating income to assets | 0.3633% | 4,318 |
| Return on assets (ROA) | 0.3616% | 4,395 |
| Pretax return on assets | 0.3379% | 4,505 |
| Return on Equity (ROE) | 3.1742% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.8777% | 3,430 |
| Net charge-offs to loans | 0.3736% | 461 |
| Credit loss provision to net charge-offs | 300.7469% | 1,724 |
| Earnings coverage of net charge-offs (x) | 5.0849% | 2,907 |
| Efficiency ratio | 61.6786% | 3,191 |
| Assets per employee ($millions) | 15.8350% | 155 |
| Cash dividends to net income (ytd only)* | 9.3428% | 3,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6492% | 1,165 |
| Loan loss allowance to noncurrent loans | 213.7844% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 2,707 |
| Noncurrent loans to loans | 0.7714% | 1,784 |
| Net loans and leases to total assets | 39.9018% | 4,444 |
| Net loans and leases to deposits | 45.5511% | 4,482 |
| Net loans and leases to core deposits | 71.6846% | 3,107 |
| Total domestic deposits to total assets | 87.5979% | 1,662 |
| Equity capital to assets | 10.9079% | 2,334 |
| Core capital (leverage) ratio | 7.4930% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6038% | 1,379 |
| Memoranda: |
| Average total assets | $370,011,005,200 | 8 |
| Average earning assets | $341,163,049,000 | 8 |
| Average equity | $42,149,753,800 | 9 |
| Average total loans | $161,890,149,200 | 9 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3740% | 4,922 |
| Cost of funding earning assets | 0.3376% | 4,114 |
| Net interest margin | 2.0364% | 4,876 |
| Noninterest income to average assets | 0.3803% | 3,183 |
| Noninterest expense to average assets | 1.3900% | 4,866 |
| Loan and lease loss provision to assets | 0.6212% | 396 |
| Net operating income to assets | 0.2900% | 4,460 |
| Return on assets (ROA) | 0.2914% | 4,507 |
| Pretax return on assets | 0.2423% | 4,611 |
| Return on Equity (ROE) | 2.5281% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.1288% | 3,883 |
| Net charge-offs to loans | 0.3919% | 406 |
| Credit loss provision to net charge-offs | 355.1290% | 1,596 |
| Earnings coverage of net charge-offs (x) | 4.9291% | 2,777 |
| Efficiency ratio | 61.0004% | 3,216 |
| Assets per employee ($millions) | 15.0594% | 162 |
| Cash dividends to net income (ytd only)* | 15.7946% | 2,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6217% | 1,040 |
| Loan loss allowance to noncurrent loans | 196.8672% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 2,711 |
| Noncurrent loans to loans | 0.8238% | 1,777 |
| Net loans and leases to total assets | 41.9340% | 4,503 |
| Net loans and leases to deposits | 48.0419% | 4,551 |
| Net loans and leases to core deposits | 75.7493% | 3,189 |
| Total domestic deposits to total assets | 87.2864% | 1,548 |
| Equity capital to assets | 11.1248% | 2,302 |
| Core capital (leverage) ratio | 7.5505% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2387% | 1,441 |
| Memoranda: |
| Average total assets | $362,135,806,500 | 8 |
| Average earning assets | $332,871,822,250 | 8 |
| Average equity | $41,738,116,000 | 9 |
| Average total loans | $161,638,431,500 | 9 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5698% | 4,951 |
| Cost of funding earning assets | 0.4331% | 3,881 |
| Net interest margin | 2.1367% | 4,906 |
| Noninterest income to average assets | 0.3574% | 3,336 |
| Noninterest expense to average assets | 1.4323% | 4,885 |
| Loan and lease loss provision to assets | 0.7318% | 365 |
| Net operating income to assets | 0.2449% | 4,514 |
| Return on assets (ROA) | 0.2454% | 4,555 |
| Pretax return on assets | 0.1478% | 4,685 |
| Return on Equity (ROE) | 2.1023% | 4,514 |
| Retained earnings to average equity (ytd only) | 1.4963% | 3,936 |
| Net charge-offs to loans | 0.4510% | 350 |
| Credit loss provision to net charge-offs | 357.6223% | 1,496 |
| Earnings coverage of net charge-offs (x) | 4.2961% | 2,607 |
| Efficiency ratio | 61.2181% | 3,245 |
| Assets per employee ($millions) | 14.8893% | 174 |
| Cash dividends to net income (ytd only)* | 28.8277% | 2,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4430% | 1,439 |
| Loan loss allowance to noncurrent loans | 166.2865% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 2,744 |
| Noncurrent loans to loans | 0.8678% | 1,755 |
| Net loans and leases to total assets | 42.7634% | 4,505 |
| Net loans and leases to deposits | 49.4773% | 4,550 |
| Net loans and leases to core deposits | 78.3337% | 3,080 |
| Total domestic deposits to total assets | 86.4302% | 1,830 |
| Equity capital to assets | 11.0937% | 2,257 |
| Core capital (leverage) ratio | 7.6560% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8530% | 1,533 |
| Memoranda: |
| Average total assets | $353,402,114,667 | 8 |
| Average earning assets | $323,187,774,667 | 8 |
| Average equity | $41,250,195,667 | 9 |
| Average total loans | $160,341,332,000 | 9 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8721% | 4,986 |
| Cost of funding earning assets | 0.5854% | 3,510 |
| Net interest margin | 2.2867% | 4,923 |
| Noninterest income to average assets | 0.3812% | 3,225 |
| Noninterest expense to average assets | 1.5202% | 4,903 |
| Loan and lease loss provision to assets | 0.8397% | 284 |
| Net operating income to assets | 0.1635% | 4,580 |
| Return on assets (ROA) | 0.1645% | 4,582 |
| Pretax return on assets | 0.1060% | 4,655 |
| Return on Equity (ROE) | 1.3710% | 4,573 |
| Retained earnings to average equity (ytd only) | 0.1388% | 3,960 |
| Net charge-offs to loans | 0.4504% | 320 |
| Credit loss provision to net charge-offs | 401.0152% | 995 |
| Earnings coverage of net charge-offs (x) | 4.5111% | 2,134 |
| Efficiency ratio | 60.8535% | 3,636 |
| Assets per employee ($millions) | 13.7298% | 167 |
| Cash dividends to net income (ytd only)* | 89.8770% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2419% | 2,440 |
| Loan loss allowance to noncurrent loans | 156.7114% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 2,948 |
| Noncurrent loans to loans | 0.7925% | 2,028 |
| Net loans and leases to total assets | 44.8094% | 4,477 |
| Net loans and leases to deposits | 52.1499% | 4,512 |
| Net loans and leases to core deposits | 87.9325% | 2,523 |
| Total domestic deposits to total assets | 85.9243% | 2,028 |
| Equity capital to assets | 11.5129% | 2,427 |
| Core capital (leverage) ratio | 8.6853% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6412% | 1,702 |
| Memoranda: |
| Average total assets | $338,119,909,000 | 9 |
| Average earning assets | $308,102,813,000 | 9 |
| Average equity | $40,577,199,000 | 9 |
| Average total loans | $157,211,432,500 | 9 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4380% | 4,898 |
| Cost of funding earning assets | 0.9776% | 1,822 |
| Net interest margin | 2.4604% | 4,985 |
| Noninterest income to average assets | 0.5517% | 2,466 |
| Noninterest expense to average assets | 1.5721% | 4,965 |
| Loan and lease loss provision to assets | 0.2383% | 799 |
| Net operating income to assets | 0.8587% | 3,361 |
| Return on assets (ROA) | 0.8710% | 3,405 |
| Pretax return on assets | 0.9969% | 3,467 |
| Return on Equity (ROE) | 6.7475% | 3,645 |
| Retained earnings to average equity (ytd only) | 2.4707% | 3,794 |
| Net charge-offs to loans | 0.4151% | 470 |
| Credit loss provision to net charge-offs | 117.1545% | 2,157 |
| Earnings coverage of net charge-offs (x) | 6.0033% | 3,021 |
| Efficiency ratio | 55.3917% | 4,277 |
| Assets per employee ($millions) | 12.4359% | 193 |
| Cash dividends to net income (ytd only)* | 63.3837% | 1,420 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9615% | 3,691 |
| Loan loss allowance to noncurrent loans | 116.1886% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 2,752 |
| Noncurrent loans to loans | 0.8276% | 1,855 |
| Net loans and leases to total assets | 47.2832% | 4,467 |
| Net loans and leases to deposits | 55.3825% | 4,482 |
| Net loans and leases to core deposits | 87.7361% | 2,634 |
| Total domestic deposits to total assets | 85.3756% | 2,355 |
| Equity capital to assets | 12.5425% | 1,793 |
| Core capital (leverage) ratio | 8.9511% | 4,564 |
| Tier 1 risk-based capital ratio | 14.7595% | 2,879 |
| Total risk-based capital ratio | 15.6224% | 2,991 |
| Memoranda: |
| Average total assets | $307,945,309,200 | 8 |
| Average earning assets | $280,554,037,000 | 7 |
| Average equity | $39,749,047,200 | 8 |
| Average total loans | $150,916,310,000 | 8 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5058% | 4,955 |
| Cost of funding earning assets | 1.0177% | 1,691 |
| Net interest margin | 2.4881% | 5,068 |
| Noninterest income to average assets | 0.5558% | 2,429 |
| Noninterest expense to average assets | 1.5605% | 5,034 |
| Loan and lease loss provision to assets | 0.2399% | 691 |
| Net operating income to assets | 0.8709% | 3,447 |
| Return on assets (ROA) | 0.8857% | 3,476 |
| Pretax return on assets | 1.0381% | 3,479 |
| Return on Equity (ROE) | 6.8181% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.5202% | 4,427 |
| Net charge-offs to loans | 0.3951% | 424 |
| Credit loss provision to net charge-offs | 123.2000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 6.4734% | 2,835 |
| Efficiency ratio | 54.3966% | 4,346 |
| Assets per employee ($millions) | 11.9930% | 218 |
| Cash dividends to net income (ytd only)* | 77.7028% | 726 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9613% | 3,775 |
| Loan loss allowance to noncurrent loans | 96.6014% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 2,545 |
| Noncurrent loans to loans | 0.9951% | 1,608 |
| Net loans and leases to total assets | 48.5406% | 4,495 |
| Net loans and leases to deposits | 56.7356% | 4,524 |
| Net loans and leases to core deposits | 88.8730% | 2,645 |
| Total domestic deposits to total assets | 85.5558% | 2,184 |
| Equity capital to assets | 12.8689% | 1,700 |
| Core capital (leverage) ratio | 9.0513% | 4,597 |
| Tier 1 risk-based capital ratio | 14.7691% | 2,967 |
| Total risk-based capital ratio | 15.6408% | 3,042 |
| Memoranda: |
| Average total assets | $305,143,809,250 | 8 |
| Average earning assets | $277,822,587,250 | 7 |
| Average equity | $39,637,534,500 | 8 |
| Average total loans | $150,395,253,750 | 8 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5403% | 4,983 |
| Cost of funding earning assets | 1.0205% | 1,596 |
| Net interest margin | 2.5198% | 5,117 |
| Noninterest income to average assets | 0.5496% | 2,386 |
| Noninterest expense to average assets | 1.5710% | 5,077 |
| Loan and lease loss provision to assets | 0.2324% | 695 |
| Net operating income to assets | 0.8826% | 3,348 |
| Return on assets (ROA) | 0.9022% | 3,341 |
| Pretax return on assets | 1.0607% | 3,348 |
| Return on Equity (ROE) | 6.9235% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.6579% | 2,444 |
| Net charge-offs to loans | 0.3636% | 458 |
| Credit loss provision to net charge-offs | 129.4353% | 1,670 |
| Earnings coverage of net charge-offs (x) | 7.0737% | 2,521 |
| Efficiency ratio | 54.3444% | 4,433 |
| Assets per employee ($millions) | 11.7505% | 221 |
| Cash dividends to net income (ytd only)* | 18.2795% | 3,075 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9612% | 3,826 |
| Loan loss allowance to noncurrent loans | 93.5146% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 2,480 |
| Noncurrent loans to loans | 1.0278% | 1,593 |
| Net loans and leases to total assets | 48.6738% | 4,538 |
| Net loans and leases to deposits | 57.4920% | 4,538 |
| Net loans and leases to core deposits | 89.6315% | 2,629 |
| Total domestic deposits to total assets | 84.6618% | 2,616 |
| Equity capital to assets | 13.2723% | 1,453 |
| Core capital (leverage) ratio | 9.4786% | 4,167 |
| Tier 1 risk-based capital ratio | 15.3438% | 2,685 |
| Total risk-based capital ratio | 16.2166% | 2,776 |
| Memoranda: |
| Average total assets | $303,179,232,000 | 8 |
| Average earning assets | $275,695,946,000 | 7 |
| Average equity | $39,507,635,000 | 8 |
| Average total loans | $149,712,017,330 | 8 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5325% | 5,018 |
| Cost of funding earning assets | 1.0192% | 1,484 |
| Net interest margin | 2.5133% | 5,184 |
| Noninterest income to average assets | 0.5313% | 2,377 |
| Noninterest expense to average assets | 1.5919% | 5,103 |
| Loan and lease loss provision to assets | 0.2586% | 556 |
| Net operating income to assets | 0.8253% | 3,528 |
| Return on assets (ROA) | 0.8633% | 3,435 |
| Pretax return on assets | 1.0136% | 3,401 |
| Return on Equity (ROE) | 6.6877% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.4054% | 2,735 |
| Net charge-offs to loans | 0.3871% | 400 |
| Credit loss provision to net charge-offs | 134.9659% | 1,326 |
| Earnings coverage of net charge-offs (x) | 6.4064% | 2,200 |
| Efficiency ratio | 55.4082% | 4,400 |
| Assets per employee ($millions) | 11.5260% | 230 |
| Cash dividends to net income (ytd only)* | 19.1736% | 2,491 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9382% | 4,007 |
| Loan loss allowance to noncurrent loans | 89.7529% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,487 |
| Noncurrent loans to loans | 1.0454% | 1,595 |
| Net loans and leases to total assets | 49.4580% | 4,501 |
| Net loans and leases to deposits | 58.0091% | 4,503 |
| Net loans and leases to core deposits | 90.4984% | 2,443 |
| Total domestic deposits to total assets | 85.2591% | 2,574 |
| Equity capital to assets | 13.0919% | 1,398 |
| Core capital (leverage) ratio | 9.3236% | 4,342 |
| Tier 1 risk-based capital ratio | 15.3121% | 2,746 |
| Total risk-based capital ratio | 16.1769% | 2,836 |
| Memoranda: |
| Average total assets | $302,059,354,500 | 8 |
| Average earning assets | $274,984,299,000 | 7 |
| Average equity | $38,993,387,500 | 8 |
| Average total loans | $149,517,185,500 | 8 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2399% | 5,120 |
| Cost of funding earning assets | 0.8443% | 1,335 |
| Net interest margin | 2.3956% | 5,250 |
| Noninterest income to average assets | 0.6266% | 2,162 |
| Noninterest expense to average assets | 1.6280% | 5,151 |
| Loan and lease loss provision to assets | 0.1962% | 966 |
| Net operating income to assets | 0.8563% | 3,588 |
| Return on assets (ROA) | 0.8731% | 3,516 |
| Pretax return on assets | 0.9950% | 3,622 |
| Return on Equity (ROE) | 6.8391% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.7103% | 2,928 |
| Net charge-offs to loans | 0.3707% | 514 |
| Credit loss provision to net charge-offs | 108.4465% | 2,360 |
| Earnings coverage of net charge-offs (x) | 6.4788% | 3,084 |
| Efficiency ratio | 56.9653% | 4,286 |
| Assets per employee ($millions) | 11.5061% | 226 |
| Cash dividends to net income (ytd only)* | 31.1267% | 2,981 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9167% | 4,097 |
| Loan loss allowance to noncurrent loans | 89.6136% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 2,526 |
| Noncurrent loans to loans | 1.0229% | 1,600 |
| Net loans and leases to total assets | 48.6240% | 4,598 |
| Net loans and leases to deposits | 56.6913% | 4,635 |
| Net loans and leases to core deposits | 91.0423% | 2,491 |
| Total domestic deposits to total assets | 85.7698% | 2,337 |
| Equity capital to assets | 12.7272% | 1,473 |
| Core capital (leverage) ratio | 9.1679% | 4,489 |
| Tier 1 risk-based capital ratio | 15.0396% | 2,813 |
| Total risk-based capital ratio | 15.8855% | 2,923 |
| Memoranda: |
| Average total assets | $294,373,267,600 | 7 |
| Average earning assets | $267,070,939,400 | 7 |
| Average equity | $37,579,890,200 | 8 |
| Average total loans | $143,660,480,200 | 9 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1898% | 5,202 |
| Cost of funding earning assets | 0.8074% | 1,300 |
| Net interest margin | 2.3824% | 5,325 |
| Noninterest income to average assets | 0.6330% | 2,152 |
| Noninterest expense to average assets | 1.6231% | 5,192 |
| Loan and lease loss provision to assets | 0.1854% | 976 |
| Net operating income to assets | 0.8745% | 3,640 |
| Return on assets (ROA) | 0.8971% | 3,548 |
| Pretax return on assets | 1.0091% | 3,695 |
| Return on Equity (ROE) | 7.0218% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.6118% | 3,446 |
| Net charge-offs to loans | 0.3688% | 440 |
| Credit loss provision to net charge-offs | 103.1548% | 2,212 |
| Earnings coverage of net charge-offs (x) | 6.5048% | 2,878 |
| Efficiency ratio | 56.9148% | 4,262 |
| Assets per employee ($millions) | 11.1548% | 237 |
| Cash dividends to net income (ytd only)* | 34.3208% | 2,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9279% | 4,144 |
| Loan loss allowance to noncurrent loans | 86.7441% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 2,595 |
| Noncurrent loans to loans | 1.0697% | 1,593 |
| Net loans and leases to total assets | 48.2973% | 4,699 |
| Net loans and leases to deposits | 56.7027% | 4,712 |
| Net loans and leases to core deposits | 88.2490% | 2,827 |
| Total domestic deposits to total assets | 85.1765% | 2,535 |
| Equity capital to assets | 12.7944% | 1,423 |
| Core capital (leverage) ratio | 9.1378% | 4,578 |
| Tier 1 risk-based capital ratio | 14.8769% | 2,936 |
| Total risk-based capital ratio | 15.7050% | 3,067 |
| Memoranda: |
| Average total assets | $292,299,352,250 | 7 |
| Average earning assets | $264,922,500,250 | 7 |
| Average equity | $37,344,530,000 | 8 |
| Average total loans | $142,442,789,500 | 9 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1119% | 5,281 |
| Cost of funding earning assets | 0.7786% | 1,228 |
| Net interest margin | 2.3333% | 5,404 |
| Noninterest income to average assets | 0.6403% | 2,138 |
| Noninterest expense to average assets | 1.6006% | 5,267 |
| Loan and lease loss provision to assets | 0.1857% | 963 |
| Net operating income to assets | 0.8645% | 3,607 |
| Return on assets (ROA) | 0.8875% | 3,512 |
| Pretax return on assets | 0.9961% | 3,676 |
| Return on Equity (ROE) | 6.9502% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.9964% | 3,615 |
| Net charge-offs to loans | 0.3805% | 413 |
| Credit loss provision to net charge-offs | 100.1701% | 2,009 |
| Earnings coverage of net charge-offs (x) | 6.2341% | 2,649 |
| Efficiency ratio | 56.8570% | 4,379 |
| Assets per employee ($millions) | 11.1642% | 228 |
| Cash dividends to net income (ytd only)* | 42.4994% | 2,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9335% | 4,187 |
| Loan loss allowance to noncurrent loans | 85.4455% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,590 |
| Noncurrent loans to loans | 1.0926% | 1,614 |
| Net loans and leases to total assets | 48.2095% | 4,710 |
| Net loans and leases to deposits | 56.7144% | 4,715 |
| Net loans and leases to core deposits | 89.3039% | 2,623 |
| Total domestic deposits to total assets | 85.0041% | 2,670 |
| Equity capital to assets | 12.7874% | 1,401 |
| Core capital (leverage) ratio | 8.9870% | 4,702 |
| Tier 1 risk-based capital ratio | 14.7384% | 3,001 |
| Total risk-based capital ratio | 15.5722% | 3,120 |
| Memoranda: |
| Average total assets | $291,621,977,330 | 7 |
| Average earning assets | $264,492,910,330 | 7 |
| Average equity | $37,240,032,330 | 8 |
| Average total loans | $142,095,170,670 | 9 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9857% | 5,383 |
| Cost of funding earning assets | 0.7302% | 1,289 |
| Net interest margin | 2.2555% | 5,487 |
| Noninterest income to average assets | 0.6325% | 2,116 |
| Noninterest expense to average assets | 1.5842% | 5,334 |
| Loan and lease loss provision to assets | 0.1863% | 911 |
| Net operating income to assets | 0.8216% | 3,622 |
| Return on assets (ROA) | 0.8452% | 3,540 |
| Pretax return on assets | 0.9363% | 3,739 |
| Return on Equity (ROE) | 6.6229% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.2791% | 3,044 |
| Net charge-offs to loans | 0.4142% | 376 |
| Credit loss provision to net charge-offs | 92.2521% | 1,654 |
| Earnings coverage of net charge-offs (x) | 5.4294% | 2,240 |
| Efficiency ratio | 57.7547% | 4,378 |
| Assets per employee ($millions) | 11.4364% | 217 |
| Cash dividends to net income (ytd only)* | 20.2907% | 2,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9306% | 4,300 |
| Loan loss allowance to noncurrent loans | 82.6595% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 2,654 |
| Noncurrent loans to loans | 1.1258% | 1,628 |
| Net loans and leases to total assets | 47.4159% | 4,728 |
| Net loans and leases to deposits | 55.5632% | 4,719 |
| Net loans and leases to core deposits | 87.1026% | 2,708 |
| Total domestic deposits to total assets | 85.3369% | 2,811 |
| Equity capital to assets | 12.6257% | 1,417 |
| Core capital (leverage) ratio | 9.0166% | 4,663 |
| Tier 1 risk-based capital ratio | 14.9060% | 2,912 |
| Total risk-based capital ratio | 15.7471% | 3,028 |
| Memoranda: |
| Average total assets | $291,561,899,000 | 8 |
| Average earning assets | $264,756,453,000 | 8 |
| Average equity | $37,206,977,500 | 8 |
| Average total loans | $142,156,332,500 | 9 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7978% | 5,463 |
| Cost of funding earning assets | 0.5026% | 2,313 |
| Net interest margin | 2.2952% | 5,503 |
| Noninterest income to average assets | 0.5933% | 2,482 |
| Noninterest expense to average assets | 1.6607% | 5,372 |
| Loan and lease loss provision to assets | 0.1664% | 1,323 |
| Net operating income to assets | 0.5629% | 4,177 |
| Return on assets (ROA) | 0.5609% | 4,217 |
| Pretax return on assets | 0.8419% | 4,116 |
| Return on Equity (ROE) | 4.3217% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.2092% | 3,383 |
| Net charge-offs to loans | 0.3219% | 788 |
| Credit loss provision to net charge-offs | 103.0791% | 2,481 |
| Earnings coverage of net charge-offs (x) | 6.2267% | 3,211 |
| Efficiency ratio | 60.7614% | 4,145 |
| Assets per employee ($millions) | 11.3119% | 223 |
| Cash dividends to net income (ytd only)* | 25.7427% | 3,463 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9248% | 4,346 |
| Loan loss allowance to noncurrent loans | 78.6381% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 2,527 |
| Noncurrent loans to loans | 1.1760% | 1,511 |
| Net loans and leases to total assets | 49.2133% | 4,690 |
| Net loans and leases to deposits | 57.5758% | 4,715 |
| Net loans and leases to core deposits | 89.3066% | 2,626 |
| Total domestic deposits to total assets | 85.4756% | 2,664 |
| Equity capital to assets | 12.8999% | 1,316 |
| Core capital (leverage) ratio | 9.0182% | 4,628 |
| Tier 1 risk-based capital ratio | 14.7906% | 2,937 |
| Total risk-based capital ratio | 15.6490% | 3,051 |
| Memoranda: |
| Average total assets | $277,022,178,600 | 8 |
| Average earning assets | $250,184,838,600 | 8 |
| Average equity | $35,954,308,000 | 8 |
| Average total loans | $138,935,760,800 | 10 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7630% | 5,532 |
| Cost of funding earning assets | 0.4640% | 2,578 |
| Net interest margin | 2.2990% | 5,569 |
| Noninterest income to average assets | 0.6095% | 2,428 |
| Noninterest expense to average assets | 1.6520% | 5,404 |
| Loan and lease loss provision to assets | 0.1689% | 1,197 |
| Net operating income to assets | 0.6657% | 4,137 |
| Return on assets (ROA) | 0.6698% | 4,181 |
| Pretax return on assets | 0.8703% | 4,140 |
| Return on Equity (ROE) | 5.1523% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.0301% | 3,526 |
| Net charge-offs to loans | 0.3073% | 685 |
| Credit loss provision to net charge-offs | 109.3428% | 2,149 |
| Earnings coverage of net charge-offs (x) | 6.6696% | 2,957 |
| Efficiency ratio | 60.0154% | 4,215 |
| Assets per employee ($millions) | 11.3346% | 212 |
| Cash dividends to net income (ytd only)* | 21.7794% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9397% | 4,378 |
| Loan loss allowance to noncurrent loans | 82.3658% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 2,747 |
| Noncurrent loans to loans | 1.1409% | 1,686 |
| Net loans and leases to total assets | 49.4806% | 4,735 |
| Net loans and leases to deposits | 58.1299% | 4,747 |
| Net loans and leases to core deposits | 88.8397% | 2,702 |
| Total domestic deposits to total assets | 85.1208% | 2,670 |
| Equity capital to assets | 13.0717% | 1,351 |
| Core capital (leverage) ratio | 9.5254% | 4,132 |
| Tier 1 risk-based capital ratio | 14.8486% | 2,988 |
| Total risk-based capital ratio | 15.7167% | 3,113 |
| Memoranda: |
| Average total assets | $274,204,221,500 | 8 |
| Average earning assets | $247,236,187,750 | 8 |
| Average equity | $35,645,459,250 | 8 |
| Average total loans | $137,868,901,500 | 10 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7377% | 5,583 |
| Cost of funding earning assets | 0.4427% | 2,671 |
| Net interest margin | 2.2951% | 5,610 |
| Noninterest income to average assets | 0.6053% | 2,432 |
| Noninterest expense to average assets | 1.6612% | 5,445 |
| Loan and lease loss provision to assets | 0.1539% | 1,306 |
| Net operating income to assets | 0.6713% | 3,973 |
| Return on assets (ROA) | 0.6836% | 3,982 |
| Pretax return on assets | 0.8755% | 4,012 |
| Return on Equity (ROE) | 5.2693% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.1293% | 3,248 |
| Net charge-offs to loans | 0.3079% | 658 |
| Credit loss provision to net charge-offs | 99.1755% | 2,048 |
| Earnings coverage of net charge-offs (x) | 6.5105% | 2,703 |
| Efficiency ratio | 60.5493% | 4,232 |
| Assets per employee ($millions) | 10.6864% | 252 |
| Cash dividends to net income (ytd only)* | 21.6350% | 3,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9551% | 4,389 |
| Loan loss allowance to noncurrent loans | 80.6949% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 2,684 |
| Noncurrent loans to loans | 1.1836% | 1,650 |
| Net loans and leases to total assets | 50.6129% | 4,665 |
| Net loans and leases to deposits | 59.7821% | 4,648 |
| Net loans and leases to core deposits | 87.6341% | 2,736 |
| Total domestic deposits to total assets | 84.6622% | 2,956 |
| Equity capital to assets | 13.2964% | 1,234 |
| Core capital (leverage) ratio | 8.9311% | 4,800 |
| Tier 1 risk-based capital ratio | 14.4615% | 3,190 |
| Total risk-based capital ratio | 15.4876% | 3,211 |
| Memoranda: |
| Average total assets | $270,440,654,670 | 8 |
| Average earning assets | $243,468,373,000 | 8 |
| Average equity | $35,087,557,000 | 8 |
| Average total loans | $136,290,320,670 | 10 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6658% | 5,662 |
| Cost of funding earning assets | 0.4188% | 2,826 |
| Net interest margin | 2.2470% | 5,680 |
| Noninterest income to average assets | 0.5671% | 2,568 |
| Noninterest expense to average assets | 1.6750% | 5,494 |
| Loan and lease loss provision to assets | 0.1441% | 1,301 |
| Net operating income to assets | 0.6072% | 4,127 |
| Return on assets (ROA) | 0.6442% | 3,993 |
| Pretax return on assets | 0.8194% | 4,042 |
| Return on Equity (ROE) | 5.0268% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.8774% | 3,515 |
| Net charge-offs to loans | 0.3229% | 576 |
| Credit loss provision to net charge-offs | 89.1965% | 1,695 |
| Earnings coverage of net charge-offs (x) | 5.6542% | 2,271 |
| Efficiency ratio | 62.9135% | 4,002 |
| Assets per employee ($millions) | 10.9193% | 227 |
| Cash dividends to net income (ytd only)* | 22.8647% | 2,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9570% | 4,514 |
| Loan loss allowance to noncurrent loans | 77.6317% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 2,712 |
| Noncurrent loans to loans | 1.2328% | 1,640 |
| Net loans and leases to total assets | 49.0708% | 4,747 |
| Net loans and leases to deposits | 57.6429% | 4,726 |
| Net loans and leases to core deposits | 84.7758% | 2,830 |
| Total domestic deposits to total assets | 85.1290% | 3,033 |
| Equity capital to assets | 12.7931% | 1,356 |
| Core capital (leverage) ratio | 8.7032% | 5,043 |
| Tier 1 risk-based capital ratio | 14.2763% | 3,330 |
| Total risk-based capital ratio | 15.3087% | 3,358 |
| Memoranda: |
| Average total assets | $271,568,632,500 | 8 |
| Average earning assets | $244,319,571,500 | 8 |
| Average equity | $34,801,827,000 | 8 |
| Average total loans | $135,913,037,500 | 10 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5992% | 5,728 |
| Cost of funding earning assets | 0.2768% | 4,290 |
| Net interest margin | 2.3224% | 5,698 |
| Noninterest income to average assets | 0.5339% | 3,008 |
| Noninterest expense to average assets | 1.7672% | 5,503 |
| Loan and lease loss provision to assets | 0.1842% | 1,285 |
| Net operating income to assets | 0.5268% | 4,524 |
| Return on assets (ROA) | 0.5155% | 4,652 |
| Pretax return on assets | 0.6406% | 4,677 |
| Return on Equity (ROE) | 3.9144% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.7365% | 3,954 |
| Net charge-offs to loans | 0.2442% | 1,139 |
| Credit loss provision to net charge-offs | 148.2505% | 1,850 |
| Earnings coverage of net charge-offs (x) | 6.7283% | 3,130 |
| Efficiency ratio | 65.8795% | 3,606 |
| Assets per employee ($millions) | 10.6678% | 250 |
| Cash dividends to net income (ytd only)* | 30.0929% | 3,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9630% | 4,510 |
| Loan loss allowance to noncurrent loans | 76.0970% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,721 |
| Noncurrent loans to loans | 1.2655% | 1,622 |
| Net loans and leases to total assets | 50.0725% | 4,760 |
| Net loans and leases to deposits | 58.8420% | 4,743 |
| Net loans and leases to core deposits | 87.4959% | 2,724 |
| Total domestic deposits to total assets | 85.0965% | 3,004 |
| Equity capital to assets | 12.8375% | 1,329 |
| Core capital (leverage) ratio | 8.5673% | 5,194 |
| Tier 1 risk-based capital ratio | 13.7783% | 3,594 |
| Total risk-based capital ratio | 14.8036% | 3,645 |
| Memoranda: |
| Average total assets | $257,838,709,000 | 9 |
| Average earning assets | $229,725,140,400 | 9 |
| Average equity | $33,956,906,000 | 8 |
| Average total loans | $131,155,056,800 | 10 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5880% | 5,796 |
| Cost of funding earning assets | 0.1278% | 5,632 |
| Net interest margin | 2.4602% | 5,681 |
| Noninterest income to average assets | 0.5410% | 2,971 |
| Noninterest expense to average assets | 1.8888% | 5,392 |
| Loan and lease loss provision to assets | 0.1778% | 1,254 |
| Net operating income to assets | 0.5326% | 4,564 |
| Return on assets (ROA) | 0.5185% | 4,729 |
| Pretax return on assets | 0.6467% | 4,751 |
| Return on Equity (ROE) | 3.8997% | 4,939 |
| Retained earnings to average equity (ytd only) | 2.7204% | 4,265 |
| Net charge-offs to loans | 0.2438% | 962 |
| Credit loss provision to net charge-offs | 143.1811% | 1,833 |
| Earnings coverage of net charge-offs (x) | 6.7558% | 2,969 |
| Efficiency ratio | 67.2642% | 3,372 |
| Assets per employee ($millions) | 10.5067% | 254 |
| Cash dividends to net income (ytd only)* | 30.2406% | 2,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9438% | 4,690 |
| Loan loss allowance to noncurrent loans | 74.4453% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,894 |
| Noncurrent loans to loans | 1.2678% | 1,770 |
| Net loans and leases to total assets | 50.1581% | 4,809 |
| Net loans and leases to deposits | 59.3761% | 4,800 |
| Net loans and leases to core deposits | 87.7204% | 2,787 |
| Total domestic deposits to total assets | 84.1621% | 3,160 |
| Equity capital to assets | 13.1145% | 1,432 |
| Core capital (leverage) ratio | 8.6083% | 5,252 |
| Tier 1 risk-based capital ratio | 13.5881% | 3,810 |
| Total risk-based capital ratio | 14.5918% | 3,868 |
| Memoranda: |
| Average total assets | $255,119,566,250 | 9 |
| Average earning assets | $226,759,204,500 | 9 |
| Average equity | $33,918,013,250 | 8 |
| Average total loans | $129,938,778,000 | 10 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5811% | 5,880 |
| Cost of funding earning assets | 0.1277% | 5,708 |
| Net interest margin | 2.4534% | 5,768 |
| Noninterest income to average assets | 0.5370% | 2,971 |
| Noninterest expense to average assets | 1.8983% | 5,452 |
| Loan and lease loss provision to assets | 0.1814% | 1,204 |
| Net operating income to assets | 0.5178% | 4,608 |
| Return on assets (ROA) | 0.5023% | 4,778 |
| Pretax return on assets | 0.6166% | 4,845 |
| Return on Equity (ROE) | 3.7604% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.5721% | 4,254 |
| Net charge-offs to loans | 0.2275% | 1,030 |
| Credit loss provision to net charge-offs | 156.2087% | 1,547 |
| Earnings coverage of net charge-offs (x) | 7.0105% | 2,677 |
| Efficiency ratio | 67.9301% | 3,357 |
| Assets per employee ($millions) | 10.2062% | 266 |
| Cash dividends to net income (ytd only)* | 31.6014% | 2,773 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9450% | 4,780 |
| Loan loss allowance to noncurrent loans | 72.1916% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 2,838 |
| Noncurrent loans to loans | 1.3091% | 1,728 |
| Net loans and leases to total assets | 51.0211% | 4,764 |
| Net loans and leases to deposits | 60.7197% | 4,754 |
| Net loans and leases to core deposits | 88.3328% | 2,698 |
| Total domestic deposits to total assets | 83.8734% | 3,320 |
| Equity capital to assets | 13.4123% | 1,278 |
| Core capital (leverage) ratio | 8.6459% | 5,221 |
| Tier 1 risk-based capital ratio | 13.4862% | 3,915 |
| Total risk-based capital ratio | 14.4881% | 3,971 |
| Memoranda: |
| Average total assets | $251,983,471,330 | 9 |
| Average earning assets | $223,428,078,000 | 9 |
| Average equity | $33,660,152,670 | 8 |
| Average total loans | $128,602,913,000 | 10 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5649% | 5,945 |
| Cost of funding earning assets | 0.1291% | 5,759 |
| Net interest margin | 2.4358% | 5,859 |
| Noninterest income to average assets | 0.5054% | 3,080 |
| Noninterest expense to average assets | 1.9294% | 5,478 |
| Loan and lease loss provision to assets | 0.1945% | 1,024 |
| Net operating income to assets | 0.4389% | 4,866 |
| Return on assets (ROA) | 0.4206% | 5,007 |
| Pretax return on assets | 0.5200% | 5,032 |
| Return on Equity (ROE) | 3.1549% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.9552% | 4,471 |
| Net charge-offs to loans | 0.2507% | 825 |
| Credit loss provision to net charge-offs | 152.7072% | 1,260 |
| Earnings coverage of net charge-offs (x) | 5.7649% | 2,297 |
| Efficiency ratio | 70.2065% | 3,080 |
| Assets per employee ($millions) | 10.2778% | 251 |
| Cash dividends to net income (ytd only)* | 38.0274% | 2,150 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9443% | 4,879 |
| Loan loss allowance to noncurrent loans | 61.5494% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 2,651 |
| Noncurrent loans to loans | 1.5342% | 1,519 |
| Net loans and leases to total assets | 49.8468% | 4,816 |
| Net loans and leases to deposits | 59.2055% | 4,769 |
| Net loans and leases to core deposits | 86.3400% | 2,718 |
| Total domestic deposits to total assets | 84.0226% | 3,507 |
| Equity capital to assets | 13.2733% | 1,277 |
| Core capital (leverage) ratio | 8.5384% | 5,356 |
| Tier 1 risk-based capital ratio | 13.4894% | 3,982 |
| Total risk-based capital ratio | 14.4896% | 4,056 |
| Memoranda: |
| Average total assets | $250,111,926,000 | 9 |
| Average earning assets | $221,601,301,500 | 9 |
| Average equity | $33,340,845,500 | 8 |
| Average total loans | $127,044,705,000 | 10 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5677% | 5,976 |
| Cost of funding earning assets | 0.1352% | 5,784 |
| Net interest margin | 2.4325% | 5,872 |
| Noninterest income to average assets | 0.5979% | 2,725 |
| Noninterest expense to average assets | 2.0080% | 5,437 |
| Loan and lease loss provision to assets | 0.1889% | 1,176 |
| Net operating income to assets | 0.4717% | 4,806 |
| Return on assets (ROA) | 0.4575% | 4,937 |
| Pretax return on assets | 0.5308% | 5,038 |
| Return on Equity (ROE) | 3.3807% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.1358% | 4,501 |
| Net charge-offs to loans | 0.2440% | 1,231 |
| Credit loss provision to net charge-offs | 155.3718% | 1,718 |
| Earnings coverage of net charge-offs (x) | 6.0356% | 3,291 |
| Efficiency ratio | 70.7968% | 3,096 |
| Assets per employee ($millions) | 10.1526% | 261 |
| Cash dividends to net income (ytd only)* | 36.8230% | 3,011 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9220% | 5,004 |
| Loan loss allowance to noncurrent loans | 61.9779% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 2,658 |
| Noncurrent loans to loans | 1.4877% | 1,559 |
| Net loans and leases to total assets | 50.8094% | 4,796 |
| Net loans and leases to deposits | 60.0794% | 4,771 |
| Net loans and leases to core deposits | 88.2341% | 2,578 |
| Total domestic deposits to total assets | 84.2881% | 3,370 |
| Equity capital to assets | 13.3891% | 1,171 |
| Core capital (leverage) ratio | 8.6753% | 5,243 |
| Tier 1 risk-based capital ratio | 13.5435% | 3,985 |
| Total risk-based capital ratio | 14.5223% | 4,070 |
| Memoranda: |
| Average total assets | $237,453,488,200 | 10 |
| Average earning assets | $209,291,602,600 | 10 |
| Average equity | $32,131,429,000 | 8 |
| Average total loans | $118,349,656,600 | 10 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5648% | 6,060 |
| Cost of funding earning assets | 0.1384% | 5,863 |
| Net interest margin | 2.4264% | 5,960 |
| Noninterest income to average assets | 0.6095% | 2,691 |
| Noninterest expense to average assets | 2.0056% | 5,469 |
| Loan and lease loss provision to assets | 0.1662% | 1,272 |
| Net operating income to assets | 0.4998% | 4,788 |
| Return on assets (ROA) | 0.4857% | 4,935 |
| Pretax return on assets | 0.5603% | 5,070 |
| Return on Equity (ROE) | 3.5798% | 5,192 |
| Retained earnings to average equity (ytd only) | 2.3265% | 4,725 |
| Net charge-offs to loans | 0.2398% | 1,089 |
| Credit loss provision to net charge-offs | 140.1584% | 1,770 |
| Earnings coverage of net charge-offs (x) | 6.2431% | 3,078 |
| Efficiency ratio | 70.5333% | 3,129 |
| Assets per employee ($millions) | 9.8926% | 284 |
| Cash dividends to net income (ytd only)* | 35.0113% | 2,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9020% | 5,197 |
| Loan loss allowance to noncurrent loans | 66.4833% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 3,095 |
| Noncurrent loans to loans | 1.3568% | 1,888 |
| Net loans and leases to total assets | 49.7178% | 4,953 |
| Net loans and leases to deposits | 59.2428% | 4,908 |
| Net loans and leases to core deposits | 87.2686% | 2,727 |
| Total domestic deposits to total assets | 83.6243% | 3,562 |
| Equity capital to assets | 13.6673% | 1,151 |
| Core capital (leverage) ratio | 8.6622% | 5,397 |
| Tier 1 risk-based capital ratio | 13.6990% | 4,021 |
| Total risk-based capital ratio | 14.6596% | 4,113 |
| Memoranda: |
| Average total assets | $235,195,421,250 | 10 |
| Average earning assets | $207,105,016,250 | 10 |
| Average equity | $31,913,744,000 | 8 |
| Average total loans | $116,336,194,250 | 10 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5735% | 6,128 |
| Cost of funding earning assets | 0.1400% | 5,919 |
| Net interest margin | 2.4335% | 6,021 |
| Noninterest income to average assets | 0.5968% | 2,761 |
| Noninterest expense to average assets | 2.0519% | 5,437 |
| Loan and lease loss provision to assets | 0.1669% | 1,254 |
| Net operating income to assets | 0.4470% | 4,976 |
| Return on assets (ROA) | 0.4332% | 5,123 |
| Pretax return on assets | 0.5077% | 5,204 |
| Return on Equity (ROE) | 3.2004% | 5,338 |
| Retained earnings to average equity (ytd only) | 1.9333% | 4,732 |
| Net charge-offs to loans | 0.2399% | 1,081 |
| Credit loss provision to net charge-offs | 141.2883% | 1,590 |
| Earnings coverage of net charge-offs (x) | 5.8268% | 2,878 |
| Efficiency ratio | 72.3134% | 2,961 |
| Assets per employee ($millions) | 9.5250% | 311 |
| Cash dividends to net income (ytd only)* | 39.5918% | 2,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9028% | 5,294 |
| Loan loss allowance to noncurrent loans | 67.7840% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 3,255 |
| Noncurrent loans to loans | 1.3319% | 2,019 |
| Net loans and leases to total assets | 49.6944% | 4,960 |
| Net loans and leases to deposits | 59.9913% | 4,856 |
| Net loans and leases to core deposits | 87.6869% | 2,582 |
| Total domestic deposits to total assets | 82.6641% | 4,071 |
| Equity capital to assets | 13.7880% | 1,063 |
| Core capital (leverage) ratio | 8.6457% | 5,379 |
| Tier 1 risk-based capital ratio | 13.7431% | 4,070 |
| Total risk-based capital ratio | 14.7159% | 4,172 |
| Memoranda: |
| Average total assets | $233,232,745,000 | 10 |
| Average earning assets | $205,406,015,330 | 10 |
| Average equity | $31,568,495,330 | 8 |
| Average total loans | $114,797,480,000 | 10 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5800% | 6,191 |
| Cost of funding earning assets | 0.1412% | 5,987 |
| Net interest margin | 2.4388% | 6,075 |
| Noninterest income to average assets | 0.5837% | 2,745 |
| Noninterest expense to average assets | 2.0636% | 5,465 |
| Loan and lease loss provision to assets | 0.1681% | 1,190 |
| Net operating income to assets | 0.4060% | 5,051 |
| Return on assets (ROA) | 0.3919% | 5,212 |
| Pretax return on assets | 0.4843% | 5,222 |
| Return on Equity (ROE) | 2.9231% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.6390% | 4,818 |
| Net charge-offs to loans | 0.2463% | 970 |
| Credit loss provision to net charge-offs | 139.9627% | 1,308 |
| Earnings coverage of net charge-offs (x) | 5.5483% | 2,377 |
| Efficiency ratio | 72.8723% | 3,015 |
| Assets per employee ($millions) | 9.4435% | 311 |
| Cash dividends to net income (ytd only)* | 43.9302% | 1,928 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9042% | 5,430 |
| Loan loss allowance to noncurrent loans | 67.0518% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 3,357 |
| Noncurrent loans to loans | 1.3486% | 2,131 |
| Net loans and leases to total assets | 48.4690% | 4,987 |
| Net loans and leases to deposits | 58.3314% | 4,890 |
| Net loans and leases to core deposits | 85.0034% | 2,657 |
| Total domestic deposits to total assets | 82.9064% | 4,201 |
| Equity capital to assets | 13.7285% | 1,078 |
| Core capital (leverage) ratio | 8.5557% | 5,469 |
| Tier 1 risk-based capital ratio | 13.6900% | 4,230 |
| Total risk-based capital ratio | 14.6514% | 4,289 |
| Memoranda: |
| Average total assets | $232,334,315,500 | 10 |
| Average earning assets | $204,448,131,500 | 10 |
| Average equity | $31,149,827,500 | 8 |
| Average total loans | $113,265,849,000 | 10 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7168% | 6,252 |
| Cost of funding earning assets | 0.1450% | 6,124 |
| Net interest margin | 2.5718% | 6,098 |
| Noninterest income to average assets | 0.6315% | 2,668 |
| Noninterest expense to average assets | 2.1313% | 5,507 |
| Loan and lease loss provision to assets | 0.1353% | 1,936 |
| Net operating income to assets | 0.5078% | 4,782 |
| Return on assets (ROA) | 0.5026% | 4,886 |
| Pretax return on assets | 0.6243% | 4,857 |
| Return on Equity (ROE) | 3.8747% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.4899% | 4,462 |
| Net charge-offs to loans | 0.3043% | 1,453 |
| Credit loss provision to net charge-offs | 93.1081% | 2,577 |
| Earnings coverage of net charge-offs (x) | 5.2463% | 3,473 |
| Efficiency ratio | 70.7987% | 3,415 |
| Assets per employee ($millions) | 9.1807% | 315 |
| Cash dividends to net income (ytd only)* | 35.7394% | 3,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9033% | 5,468 |
| Loan loss allowance to noncurrent loans | 65.0427% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 3,361 |
| Noncurrent loans to loans | 1.3888% | 2,110 |
| Net loans and leases to total assets | 48.1494% | 5,140 |
| Net loans and leases to deposits | 57.6716% | 5,084 |
| Net loans and leases to core deposits | 85.2630% | 2,755 |
| Total domestic deposits to total assets | 83.2198% | 4,001 |
| Equity capital to assets | 13.0805% | 1,328 |
| Core capital (leverage) ratio | 8.0041% | 6,002 |
| Tier 1 risk-based capital ratio | 12.9093% | 4,789 |
| Total risk-based capital ratio | 13.9114% | 4,854 |
| Memoranda: |
| Average total assets | $222,684,519,000 | 10 |
| Average earning assets | $195,871,702,200 | 10 |
| Average equity | $28,884,998,000 | 8 |
| Average total loans | $106,359,301,200 | 10 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7386% | 6,314 |
| Cost of funding earning assets | 0.1477% | 6,198 |
| Net interest margin | 2.5909% | 6,142 |
| Noninterest income to average assets | 0.6403% | 2,624 |
| Noninterest expense to average assets | 2.1260% | 5,521 |
| Loan and lease loss provision to assets | 0.1337% | 1,870 |
| Net operating income to assets | 0.5357% | 4,736 |
| Return on assets (ROA) | 0.5352% | 4,812 |
| Pretax return on assets | 0.6612% | 4,835 |
| Return on Equity (ROE) | 4.1348% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.7351% | 4,646 |
| Net charge-offs to loans | 0.3010% | 1,314 |
| Credit loss provision to net charge-offs | 93.4107% | 2,369 |
| Earnings coverage of net charge-offs (x) | 5.5328% | 3,243 |
| Efficiency ratio | 69.9556% | 3,515 |
| Assets per employee ($millions) | 8.9550% | 343 |
| Cash dividends to net income (ytd only)* | 33.8525% | 2,626 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9372% | 5,477 |
| Loan loss allowance to noncurrent loans | 68.9500% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 3,627 |
| Noncurrent loans to loans | 1.3593% | 2,376 |
| Net loans and leases to total assets | 47.8965% | 5,215 |
| Net loans and leases to deposits | 56.6210% | 5,196 |
| Net loans and leases to core deposits | 83.7909% | 2,901 |
| Total domestic deposits to total assets | 84.4244% | 3,579 |
| Equity capital to assets | 13.2210% | 1,317 |
| Core capital (leverage) ratio | 8.0064% | 6,065 |
| Tier 1 risk-based capital ratio | 12.8731% | 4,934 |
| Total risk-based capital ratio | 13.8997% | 4,981 |
| Memoranda: |
| Average total assets | $220,785,648,750 | 10 |
| Average earning assets | $194,083,117,750 | 10 |
| Average equity | $28,575,815,750 | 8 |
| Average total loans | $104,976,844,250 | 11 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7468% | 6,369 |
| Cost of funding earning assets | 0.1465% | 6,285 |
| Net interest margin | 2.6003% | 6,170 |
| Noninterest income to average assets | 0.6563% | 2,507 |
| Noninterest expense to average assets | 2.1085% | 5,609 |
| Loan and lease loss provision to assets | 0.1404% | 1,767 |
| Net operating income to assets | 0.5701% | 4,497 |
| Return on assets (ROA) | 0.5771% | 4,573 |
| Pretax return on assets | 0.7025% | 4,632 |
| Return on Equity (ROE) | 4.4921% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.7825% | 3,775 |
| Net charge-offs to loans | 0.3005% | 1,341 |
| Credit loss provision to net charge-offs | 98.8133% | 2,041 |
| Earnings coverage of net charge-offs (x) | 5.8510% | 2,860 |
| Efficiency ratio | 68.7796% | 3,867 |
| Assets per employee ($millions) | 8.7520% | 357 |
| Cash dividends to net income (ytd only)* | 15.7962% | 3,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9792% | 5,434 |
| Loan loss allowance to noncurrent loans | 69.3257% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 3,667 |
| Noncurrent loans to loans | 1.4125% | 2,440 |
| Net loans and leases to total assets | 47.7384% | 5,192 |
| Net loans and leases to deposits | 56.3727% | 5,163 |
| Net loans and leases to core deposits | 82.8460% | 2,874 |
| Total domestic deposits to total assets | 84.4996% | 3,724 |
| Equity capital to assets | 13.1522% | 1,290 |
| Core capital (leverage) ratio | 7.5853% | 6,283 |
| Tier 1 risk-based capital ratio | 12.3307% | 5,345 |
| Total risk-based capital ratio | 13.4026% | 5,366 |
| Memoranda: |
| Average total assets | $219,382,344,000 | 10 |
| Average earning assets | $192,645,535,670 | 10 |
| Average equity | $28,185,501,330 | 8 |
| Average total loans | $103,707,638,670 | 11 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7330% | 6,437 |
| Cost of funding earning assets | 0.1457% | 6,376 |
| Net interest margin | 2.5872% | 6,254 |
| Noninterest income to average assets | 0.6322% | 2,554 |
| Noninterest expense to average assets | 2.1350% | 5,606 |
| Loan and lease loss provision to assets | 0.1887% | 1,263 |
| Net operating income to assets | 0.5025% | 4,676 |
| Return on assets (ROA) | 0.5294% | 4,624 |
| Pretax return on assets | 0.6118% | 4,795 |
| Return on Equity (ROE) | 4.1699% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.7328% | 4,449 |
| Net charge-offs to loans | 0.3589% | 1,003 |
| Credit loss provision to net charge-offs | 112.3522% | 1,528 |
| Earnings coverage of net charge-offs (x) | 4.5676% | 2,505 |
| Efficiency ratio | 70.4402% | 3,753 |
| Assets per employee ($millions) | 8.8466% | 349 |
| Cash dividends to net income (ytd only)* | 34.4639% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0243% | 5,430 |
| Loan loss allowance to noncurrent loans | 67.4253% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 3,720 |
| Noncurrent loans to loans | 1.5192% | 2,521 |
| Net loans and leases to total assets | 46.0675% | 5,330 |
| Net loans and leases to deposits | 54.2465% | 5,261 |
| Net loans and leases to core deposits | 79.6003% | 3,022 |
| Total domestic deposits to total assets | 84.7286% | 3,985 |
| Equity capital to assets | 12.7596% | 1,424 |
| Core capital (leverage) ratio | 7.3360% | 6,392 |
| Tier 1 risk-based capital ratio | 12.1888% | 5,514 |
| Total risk-based capital ratio | 13.3004% | 5,541 |
| Memoranda: |
| Average total assets | $219,244,791,000 | 10 |
| Average earning assets | $192,368,136,500 | 10 |
| Average equity | $27,833,411,500 | 8 |
| Average total loans | $102,612,463,500 | 11 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9387% | 6,395 |
| Cost of funding earning assets | 0.1656% | 6,468 |
| Net interest margin | 2.7731% | 6,023 |
| Noninterest income to average assets | 0.6457% | 2,829 |
| Noninterest expense to average assets | 2.3934% | 5,087 |
| Loan and lease loss provision to assets | 0.2392% | 1,514 |
| Net operating income to assets | 0.3672% | 5,271 |
| Return on assets (ROA) | 0.4560% | 5,058 |
| Pretax return on assets | 0.5417% | 5,067 |
| Return on Equity (ROE) | 3.4829% | 5,327 |
| Retained earnings to average equity (ytd only) | 1.8571% | 4,913 |
| Net charge-offs to loans | 0.4914% | 1,352 |
| Credit loss provision to net charge-offs | 104.8117% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.9512% | 4,007 |
| Efficiency ratio | 74.7757% | 2,999 |
| Assets per employee ($millions) | 8.6079% | 381 |
| Cash dividends to net income (ytd only)* | 46.6783% | 2,448 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0208% | 5,460 |
| Loan loss allowance to noncurrent loans | 66.0319% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 3,792 |
| Noncurrent loans to loans | 1.5460% | 2,575 |
| Net loans and leases to total assets | 46.5846% | 5,441 |
| Net loans and leases to deposits | 54.7633% | 5,404 |
| Net loans and leases to core deposits | 81.3368% | 2,971 |
| Total domestic deposits to total assets | 84.6670% | 3,900 |
| Equity capital to assets | 12.6297% | 1,449 |
| Core capital (leverage) ratio | 6.7383% | 6,568 |
| Tier 1 risk-based capital ratio | 11.1169% | 6,112 |
| Total risk-based capital ratio | 12.2593% | 6,112 |
| Memoranda: |
| Average total assets | $211,431,883,200 | 10 |
| Average earning assets | $184,616,671,000 | 10 |
| Average equity | $27,679,425,400 | 8 |
| Average total loans | $98,217,253,200 | 11 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9725% | 6,445 |
| Cost of funding earning assets | 0.1678% | 6,563 |
| Net interest margin | 2.8047% | 6,009 |
| Noninterest income to average assets | 0.6350% | 2,954 |
| Noninterest expense to average assets | 2.4168% | 4,973 |
| Loan and lease loss provision to assets | 0.2346% | 1,542 |
| Net operating income to assets | 0.3548% | 5,422 |
| Return on assets (ROA) | 0.4589% | 5,128 |
| Pretax return on assets | 0.5608% | 5,164 |
| Return on Equity (ROE) | 3.4737% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.0312% | 5,113 |
| Net charge-offs to loans | 0.5075% | 1,268 |
| Credit loss provision to net charge-offs | 99.8364% | 2,388 |
| Earnings coverage of net charge-offs (x) | 2.8296% | 3,890 |
| Efficiency ratio | 75.1014% | 2,887 |
| Assets per employee ($millions) | 8.5577% | 371 |
| Cash dividends to net income (ytd only)* | 41.5273% | 2,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0190% | 5,637 |
| Loan loss allowance to noncurrent loans | 63.3960% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 3,991 |
| Noncurrent loans to loans | 1.6074% | 2,763 |
| Net loans and leases to total assets | 46.1684% | 5,532 |
| Net loans and leases to deposits | 54.7055% | 5,474 |
| Net loans and leases to core deposits | 81.4041% | 2,947 |
| Total domestic deposits to total assets | 84.2510% | 4,083 |
| Equity capital to assets | 12.7367% | 1,458 |
| Core capital (leverage) ratio | 6.8765% | 6,609 |
| Tier 1 risk-based capital ratio | 11.2856% | 6,158 |
| Total risk-based capital ratio | 12.4308% | 6,168 |
| Memoranda: |
| Average total assets | $209,883,312,500 | 10 |
| Average earning assets | $183,085,895,750 | 9 |
| Average equity | $27,727,916,000 | 8 |
| Average total loans | $97,165,122,250 | 11 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9866% | 6,463 |
| Cost of funding earning assets | 0.1724% | 6,612 |
| Net interest margin | 2.8141% | 5,977 |
| Noninterest income to average assets | 0.6414% | 2,960 |
| Noninterest expense to average assets | 2.4554% | 4,879 |
| Loan and lease loss provision to assets | 0.2509% | 1,479 |
| Net operating income to assets | 0.3232% | 5,509 |
| Return on assets (ROA) | 0.4863% | 5,032 |
| Pretax return on assets | 0.5860% | 5,072 |
| Return on Equity (ROE) | 3.6360% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.5578% | 4,675 |
| Net charge-offs to loans | 0.5229% | 1,264 |
| Credit loss provision to net charge-offs | 103.9296% | 2,127 |
| Earnings coverage of net charge-offs (x) | 2.6382% | 3,642 |
| Efficiency ratio | 76.0107% | 2,784 |
| Assets per employee ($millions) | 8.4421% | 390 |
| Cash dividends to net income (ytd only)* | 29.6534% | 2,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0552% | 5,606 |
| Loan loss allowance to noncurrent loans | 62.4640% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,009 |
| Noncurrent loans to loans | 1.6893% | 2,780 |
| Net loans and leases to total assets | 45.8740% | 5,547 |
| Net loans and leases to deposits | 54.3813% | 5,492 |
| Net loans and leases to core deposits | 81.5179% | 2,856 |
| Total domestic deposits to total assets | 84.0467% | 4,293 |
| Equity capital to assets | 12.9242% | 1,372 |
| Core capital (leverage) ratio | 7.0621% | 6,597 |
| Tier 1 risk-based capital ratio | 11.6309% | 6,041 |
| Total risk-based capital ratio | 12.8120% | 6,037 |
| Memoranda: |
| Average total assets | $208,033,630,000 | 10 |
| Average earning assets | $181,188,871,000 | 10 |
| Average equity | $27,824,210,330 | 8 |
| Average total loans | $96,058,237,330 | 11 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0325% | 6,477 |
| Cost of funding earning assets | 0.1797% | 6,678 |
| Net interest margin | 2.8528% | 5,907 |
| Noninterest income to average assets | 0.6938% | 2,627 |
| Noninterest expense to average assets | 2.5745% | 4,493 |
| Loan and lease loss provision to assets | 0.2212% | 1,674 |
| Net operating income to assets | 0.3077% | 5,543 |
| Return on assets (ROA) | 0.4234% | 5,188 |
| Pretax return on assets | 0.5277% | 5,180 |
| Return on Equity (ROE) | 3.1119% | 5,541 |
| Retained earnings to average equity (ytd only) | 3.1119% | 4,407 |
| Net charge-offs to loans | 0.6470% | 946 |
| Credit loss provision to net charge-offs | 74.2088% | 2,239 |
| Earnings coverage of net charge-offs (x) | 2.0197% | 3,157 |
| Efficiency ratio | 77.5778% | 2,678 |
| Assets per employee ($millions) | 8.3146% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0397% | 5,836 |
| Loan loss allowance to noncurrent loans | 59.6501% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 4,085 |
| Noncurrent loans to loans | 1.7430% | 2,938 |
| Net loans and leases to total assets | 45.6796% | 5,470 |
| Net loans and leases to deposits | 54.6869% | 5,382 |
| Net loans and leases to core deposits | 80.2866% | 2,778 |
| Total domestic deposits to total assets | 83.4064% | 4,709 |
| Equity capital to assets | 13.5012% | 1,209 |
| Core capital (leverage) ratio | 7.1426% | 6,602 |
| Tier 1 risk-based capital ratio | 11.7795% | 6,042 |
| Total risk-based capital ratio | 12.9752% | 6,050 |
| Memoranda: |
| Average total assets | $205,966,832,500 | 10 |
| Average earning assets | $179,253,498,500 | 10 |
| Average equity | $28,025,859,000 | 8 |
| Average total loans | $94,903,537,000 | 12 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4053% | 6,481 |
| Cost of funding earning assets | 0.2407% | 6,709 |
| Net interest margin | 3.1646% | 5,655 |
| Noninterest income to average assets | 0.6630% | 2,922 |
| Noninterest expense to average assets | 2.5562% | 4,913 |
| Loan and lease loss provision to assets | 0.3891% | 1,676 |
| Net operating income to assets | 0.3571% | 5,264 |
| Return on assets (ROA) | 0.3945% | 5,361 |
| Pretax return on assets | 0.5026% | 5,270 |
| Return on Equity (ROE) | 2.7878% | 5,638 |
| Retained earnings to average equity (ytd only) | 0.4480% | 5,630 |
| Net charge-offs to loans | 0.8401% | 1,379 |
| Credit loss provision to net charge-offs | 104.3995% | 2,861 |
| Earnings coverage of net charge-offs (x) | 2.2528% | 4,293 |
| Efficiency ratio | 71.6204% | 3,496 |
| Assets per employee ($millions) | 8.0026% | 500 |
| Cash dividends to net income (ytd only)* | 83.9300% | 876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1096% | 5,518 |
| Loan loss allowance to noncurrent loans | 62.3971% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 4,142 |
| Noncurrent loans to loans | 1.7783% | 2,953 |
| Net loans and leases to total assets | 45.4827% | 5,669 |
| Net loans and leases to deposits | 54.6427% | 5,592 |
| Net loans and leases to core deposits | 81.3642% | 2,840 |
| Total domestic deposits to total assets | 83.0814% | 4,687 |
| Equity capital to assets | 13.7148% | 1,147 |
| Core capital (leverage) ratio | 7.2346% | 6,623 |
| Tier 1 risk-based capital ratio | 11.8614% | 5,867 |
| Total risk-based capital ratio | 13.1199% | 5,824 |
| Memoranda: |
| Average total assets | $196,492,163,000 | 11 |
| Average earning assets | $169,680,126,000 | 11 |
| Average equity | $27,805,748,800 | 8 |
| Average total loans | $87,173,812,200 | 12 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4703% | 6,544 |
| Cost of funding earning assets | 0.2502% | 6,809 |
| Net interest margin | 3.2201% | 5,652 |
| Noninterest income to average assets | 0.6604% | 2,931 |
| Noninterest expense to average assets | 2.6247% | 4,657 |
| Loan and lease loss provision to assets | 0.3563% | 1,830 |
| Net operating income to assets | 0.3520% | 5,425 |
| Return on assets (ROA) | 0.3708% | 5,565 |
| Pretax return on assets | 0.4865% | 5,499 |
| Return on Equity (ROE) | 2.5994% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.1587% | 5,710 |
| Net charge-offs to loans | 0.9024% | 1,208 |
| Credit loss provision to net charge-offs | 89.8667% | 3,301 |
| Earnings coverage of net charge-offs (x) | 2.0506% | 4,241 |
| Efficiency ratio | 72.6315% | 3,207 |
| Assets per employee ($millions) | 7.7326% | 532 |
| Cash dividends to net income (ytd only)* | 55.4249% | 1,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0360% | 5,950 |
| Loan loss allowance to noncurrent loans | 57.2007% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 4,389 |
| Noncurrent loans to loans | 1.8112% | 3,062 |
| Net loans and leases to total assets | 44.7491% | 5,900 |
| Net loans and leases to deposits | 54.7353% | 5,745 |
| Net loans and leases to core deposits | 81.1155% | 3,078 |
| Total domestic deposits to total assets | 81.5109% | 5,186 |
| Equity capital to assets | 14.1060% | 1,119 |
| Core capital (leverage) ratio | 7.3834% | 6,680 |
| Tier 1 risk-based capital ratio | 12.2922% | 5,772 |
| Total risk-based capital ratio | 13.4955% | 5,780 |
| Memoranda: |
| Average total assets | $194,618,800,000 | 10 |
| Average earning assets | $167,859,211,750 | 10 |
| Average equity | $27,763,111,000 | 7 |
| Average total loans | $85,512,455,500 | 12 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5254% | 6,577 |
| Cost of funding earning assets | 0.2629% | 6,872 |
| Net interest margin | 3.2625% | 5,561 |
| Noninterest income to average assets | 0.6686% | 2,840 |
| Noninterest expense to average assets | 2.7305% | 4,288 |
| Loan and lease loss provision to assets | 0.3389% | 1,943 |
| Net operating income to assets | 0.3314% | 5,494 |
| Return on assets (ROA) | 0.3370% | 5,693 |
| Pretax return on assets | 0.4195% | 5,663 |
| Return on Equity (ROE) | 2.3534% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.2660% | 5,565 |
| Net charge-offs to loans | 0.8855% | 1,243 |
| Credit loss provision to net charge-offs | 87.9969% | 3,104 |
| Earnings coverage of net charge-offs (x) | 1.9402% | 4,006 |
| Efficiency ratio | 74.7479% | 2,942 |
| Assets per employee ($millions) | 7.6729% | 545 |
| Cash dividends to net income (ytd only)* | 46.2070% | 1,911 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0909% | 5,817 |
| Loan loss allowance to noncurrent loans | 58.9542% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9692% | 4,435 |
| Noncurrent loans to loans | 1.8503% | 3,149 |
| Net loans and leases to total assets | 44.0544% | 6,008 |
| Net loans and leases to deposits | 53.9900% | 5,864 |
| Net loans and leases to core deposits | 79.9345% | 3,229 |
| Total domestic deposits to total assets | 81.3143% | 5,359 |
| Equity capital to assets | 14.2488% | 1,001 |
| Core capital (leverage) ratio | 7.4062% | 6,663 |
| Tier 1 risk-based capital ratio | 12.6134% | 5,487 |
| Total risk-based capital ratio | 13.8578% | 5,475 |
| Memoranda: |
| Average total assets | $192,643,011,670 | 10 |
| Average earning assets | $165,873,154,330 | 10 |
| Average equity | $27,587,776,330 | 7 |
| Average total loans | $83,789,269,330 | 13 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5952% | 6,582 |
| Cost of funding earning assets | 0.2707% | 6,944 |
| Net interest margin | 3.3245% | 5,390 |
| Noninterest income to average assets | 0.6454% | 2,956 |
| Noninterest expense to average assets | 2.7122% | 4,385 |
| Loan and lease loss provision to assets | 0.3350% | 1,869 |
| Net operating income to assets | 0.3602% | 5,428 |
| Return on assets (ROA) | 0.3575% | 5,626 |
| Pretax return on assets | 0.4596% | 5,558 |
| Return on Equity (ROE) | 2.4899% | 5,911 |
| Retained earnings to average equity (ytd only) | 2.4899% | 5,015 |
| Net charge-offs to loans | 0.8973% | 1,147 |
| Credit loss provision to net charge-offs | 86.9144% | 2,606 |
| Earnings coverage of net charge-offs (x) | 2.0578% | 3,324 |
| Efficiency ratio | 73.4611% | 3,186 |
| Assets per employee ($millions) | 7.5897% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1281% | 5,812 |
| Loan loss allowance to noncurrent loans | 52.8783% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 4,353 |
| Noncurrent loans to loans | 2.1335% | 2,988 |
| Net loans and leases to total assets | 42.7150% | 6,124 |
| Net loans and leases to deposits | 52.3598% | 5,949 |
| Net loans and leases to core deposits | 76.5873% | 3,542 |
| Total domestic deposits to total assets | 81.5039% | 5,460 |
| Equity capital to assets | 14.2522% | 938 |
| Core capital (leverage) ratio | 7.5282% | 6,615 |
| Tier 1 risk-based capital ratio | 13.1158% | 5,120 |
| Total risk-based capital ratio | 14.4096% | 5,058 |
| Memoranda: |
| Average total assets | $190,993,085,500 | 10 |
| Average earning assets | $164,304,745,000 | 10 |
| Average equity | $27,421,930,500 | 7 |
| Average total loans | $82,047,209,500 | 12 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5709% | 6,950 |
| Cost of funding earning assets | 0.3351% | 7,043 |
| Net interest margin | 3.2358% | 5,987 |
| Noninterest income to average assets | 0.7664% | 2,255 |
| Noninterest expense to average assets | 2.7191% | 4,672 |
| Loan and lease loss provision to assets | 0.3512% | 2,896 |
| Net operating income to assets | 0.3605% | 5,030 |
| Return on assets (ROA) | 0.3786% | 5,129 |
| Pretax return on assets | 0.4972% | 5,001 |
| Return on Equity (ROE) | 2.5579% | 5,458 |
| Retained earnings to average equity (ytd only) | 0.8696% | 5,454 |
| Net charge-offs to loans | 0.8387% | 2,068 |
| Credit loss provision to net charge-offs | 101.3835% | 3,427 |
| Earnings coverage of net charge-offs (x) | 2.3645% | 4,037 |
| Efficiency ratio | 72.4788% | 3,480 |
| Assets per employee ($millions) | 7.3564% | 615 |
| Cash dividends to net income (ytd only)* | 66.0021% | 1,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1919% | 5,433 |
| Loan loss allowance to noncurrent loans | 48.3205% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 4,322 |
| Noncurrent loans to loans | 2.4666% | 2,670 |
| Net loans and leases to total assets | 42.1996% | 6,369 |
| Net loans and leases to deposits | 52.0538% | 6,209 |
| Net loans and leases to core deposits | 77.3386% | 3,771 |
| Total domestic deposits to total assets | 80.9969% | 5,447 |
| Equity capital to assets | 14.4652% | 908 |
| Core capital (leverage) ratio | 7.5056% | 6,647 |
| Tier 1 risk-based capital ratio | 13.1775% | 4,933 |
| Total risk-based capital ratio | 14.5597% | 4,811 |
| Memoranda: |
| Average total assets | $180,063,328,400 | 11 |
| Average earning assets | $154,237,867,200 | 10 |
| Average equity | $26,655,006,600 | 7 |
| Average total loans | $74,371,762,200 | 14 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6005% | 7,019 |
| Cost of funding earning assets | 0.3515% | 7,123 |
| Net interest margin | 3.2490% | 6,018 |
| Noninterest income to average assets | 0.8099% | 2,011 |
| Noninterest expense to average assets | 2.5958% | 5,091 |
| Loan and lease loss provision to assets | 0.3515% | 2,763 |
| Net operating income to assets | 0.4681% | 4,681 |
| Return on assets (ROA) | 0.4514% | 4,960 |
| Pretax return on assets | 0.6289% | 4,718 |
| Return on Equity (ROE) | 3.0310% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.5209% | 5,375 |
| Net charge-offs to loans | 0.7986% | 1,966 |
| Credit loss provision to net charge-offs | 107.5317% | 3,075 |
| Earnings coverage of net charge-offs (x) | 3.0471% | 3,612 |
| Efficiency ratio | 67.8325% | 4,354 |
| Assets per employee ($millions) | 7.1726% | 675 |
| Cash dividends to net income (ytd only)* | 49.8231% | 1,601 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2705% | 5,147 |
| Loan loss allowance to noncurrent loans | 49.5412% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 4,490 |
| Noncurrent loans to loans | 2.5645% | 2,699 |
| Net loans and leases to total assets | 40.8502% | 6,574 |
| Net loans and leases to deposits | 50.8755% | 6,451 |
| Net loans and leases to core deposits | 74.8204% | 4,341 |
| Total domestic deposits to total assets | 80.2156% | 5,673 |
| Equity capital to assets | 14.7224% | 927 |
| Core capital (leverage) ratio | 7.7500% | 6,597 |
| Tier 1 risk-based capital ratio | 13.7554% | 4,534 |
| Total risk-based capital ratio | 15.2220% | 4,343 |
| Memoranda: |
| Average total assets | $177,851,022,000 | 10 |
| Average earning assets | $152,278,188,750 | 10 |
| Average equity | $26,487,094,250 | 8 |
| Average total loans | $72,794,204,000 | 14 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6413% | 7,069 |
| Cost of funding earning assets | 0.3689% | 7,191 |
| Net interest margin | 3.2724% | 5,933 |
| Noninterest income to average assets | 0.8689% | 1,747 |
| Noninterest expense to average assets | 2.5999% | 5,180 |
| Loan and lease loss provision to assets | 0.3599% | 2,631 |
| Net operating income to assets | 0.4775% | 4,604 |
| Return on assets (ROA) | 0.4548% | 4,832 |
| Pretax return on assets | 0.6852% | 4,435 |
| Return on Equity (ROE) | 3.0415% | 5,376 |
| Retained earnings to average equity (ytd only) | 1.8927% | 5,033 |
| Net charge-offs to loans | 0.8239% | 1,860 |
| Credit loss provision to net charge-offs | 107.1477% | 2,875 |
| Earnings coverage of net charge-offs (x) | 3.1828% | 3,276 |
| Efficiency ratio | 66.3846% | 4,803 |
| Assets per employee ($millions) | 6.9767% | 732 |
| Cash dividends to net income (ytd only)* | 37.7723% | 2,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2626% | 5,242 |
| Loan loss allowance to noncurrent loans | 47.5245% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 4,439 |
| Noncurrent loans to loans | 2.6568% | 2,741 |
| Net loans and leases to total assets | 42.1561% | 6,581 |
| Net loans and leases to deposits | 53.2091% | 6,371 |
| Net loans and leases to core deposits | 77.1239% | 4,172 |
| Total domestic deposits to total assets | 79.1510% | 6,050 |
| Equity capital to assets | 14.8819% | 846 |
| Core capital (leverage) ratio | 7.8581% | 6,451 |
| Tier 1 risk-based capital ratio | 13.7421% | 4,349 |
| Total risk-based capital ratio | 15.2397% | 4,151 |
| Memoranda: |
| Average total assets | $174,622,994,000 | 10 |
| Average earning assets | $149,423,355,000 | 10 |
| Average equity | $26,112,927,000 | 8 |
| Average total loans | $71,194,194,670 | 16 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6371% | 7,113 |
| Cost of funding earning assets | 0.3745% | 7,277 |
| Net interest margin | 3.2626% | 5,895 |
| Noninterest income to average assets | 0.7925% | 2,060 |
| Noninterest expense to average assets | 2.5451% | 5,405 |
| Loan and lease loss provision to assets | 0.3723% | 2,325 |
| Net operating income to assets | 0.4515% | 4,713 |
| Return on assets (ROA) | 0.4211% | 4,939 |
| Pretax return on assets | 0.6310% | 4,567 |
| Return on Equity (ROE) | 2.8087% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.8087% | 4,485 |
| Net charge-offs to loans | 0.7560% | 1,711 |
| Credit loss provision to net charge-offs | 123.8491% | 2,223 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 2,738 |
| Efficiency ratio | 66.2139% | 4,999 |
| Assets per employee ($millions) | 7.3704% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4139% | 4,590 |
| Loan loss allowance to noncurrent loans | 49.3470% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 4,490 |
| Noncurrent loans to loans | 2.8653% | 2,632 |
| Net loans and leases to total assets | 38.8948% | 6,848 |
| Net loans and leases to deposits | 48.1818% | 6,745 |
| Net loans and leases to core deposits | 69.1276% | 5,149 |
| Total domestic deposits to total assets | 80.6325% | 5,777 |
| Equity capital to assets | 14.9618% | 778 |
| Core capital (leverage) ratio | 8.1105% | 6,115 |
| Tier 1 risk-based capital ratio | 15.0538% | 3,394 |
| Total risk-based capital ratio | 16.6959% | 3,136 |
| Memoranda: |
| Average total assets | $171,949,090,000 | 10 |
| Average earning assets | $147,098,484,500 | 10 |
| Average equity | $25,777,885,500 | 8 |
| Average total loans | $68,371,865,000 | 17 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5081% | 7,382 |
| Cost of funding earning assets | 0.4455% | 7,375 |
| Net interest margin | 3.0627% | 6,613 |
| Noninterest income to average assets | 0.8844% | 1,911 |
| Noninterest expense to average assets | 2.4842% | 5,852 |
| Loan and lease loss provision to assets | 0.3762% | 3,866 |
| Net operating income to assets | 0.5158% | 4,017 |
| Return on assets (ROA) | 0.4078% | 4,638 |
| Pretax return on assets | 0.4898% | 4,653 |
| Return on Equity (ROE) | 2.6431% | 5,115 |
| Retained earnings to average equity (ytd only) | 1.2422% | 4,935 |
| Net charge-offs to loans | 0.9013% | 2,391 |
| Credit loss provision to net charge-offs | 106.2177% | 4,207 |
| Earnings coverage of net charge-offs (x) | 2.7971% | 3,679 |
| Efficiency ratio | 65.8884% | 4,990 |
| Assets per employee ($millions) | 7.1455% | 701 |
| Cash dividends to net income (ytd only)* | 53.0034% | 1,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3989% | 4,510 |
| Loan loss allowance to noncurrent loans | 45.7334% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 4,390 |
| Noncurrent loans to loans | 3.0588% | 2,497 |
| Net loans and leases to total assets | 39.5240% | 6,993 |
| Net loans and leases to deposits | 48.9367% | 6,908 |
| Net loans and leases to core deposits | 70.9863% | 5,331 |
| Total domestic deposits to total assets | 80.6682% | 5,632 |
| Equity capital to assets | 15.0225% | 782 |
| Core capital (leverage) ratio | 7.5679% | 6,645 |
| Tier 1 risk-based capital ratio | 14.0044% | 3,870 |
| Total risk-based capital ratio | 15.6214% | 3,587 |
| Memoranda: |
| Average total assets | $155,416,970,400 | 12 |
| Average earning assets | $131,449,465,000 | 12 |
| Average equity | $23,981,726,000 | 9 |
| Average total loans | $61,066,941,800 | 17 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4985% | 7,532 |
| Cost of funding earning assets | 0.4639% | 7,497 |
| Net interest margin | 3.0345% | 6,760 |
| Noninterest income to average assets | 0.9071% | 1,772 |
| Noninterest expense to average assets | 2.4849% | 5,765 |
| Loan and lease loss provision to assets | 0.4005% | 3,501 |
| Net operating income to assets | 0.5405% | 4,130 |
| Return on assets (ROA) | 0.4206% | 4,839 |
| Pretax return on assets | 0.4550% | 5,063 |
| Return on Equity (ROE) | 2.7058% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.8109% | 5,485 |
| Net charge-offs to loans | 0.9793% | 2,042 |
| Credit loss provision to net charge-offs | 104.6682% | 4,094 |
| Earnings coverage of net charge-offs (x) | 2.5686% | 3,871 |
| Efficiency ratio | 65.9021% | 4,881 |
| Assets per employee ($millions) | 7.1840% | 711 |
| Cash dividends to net income (ytd only)* | 70.0307% | 904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4197% | 4,358 |
| Loan loss allowance to noncurrent loans | 47.3870% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2848% | 4,572 |
| Noncurrent loans to loans | 2.9960% | 2,661 |
| Net loans and leases to total assets | 38.6296% | 7,157 |
| Net loans and leases to deposits | 48.4272% | 7,069 |
| Net loans and leases to core deposits | 70.7334% | 5,677 |
| Total domestic deposits to total assets | 79.6750% | 5,815 |
| Equity capital to assets | 15.3121% | 821 |
| Core capital (leverage) ratio | 8.0025% | 6,339 |
| Tier 1 risk-based capital ratio | 14.0192% | 3,818 |
| Total risk-based capital ratio | 15.6668% | 3,531 |
| Memoranda: |
| Average total assets | $152,083,985,000 | 13 |
| Average earning assets | $128,334,321,500 | 12 |
| Average equity | $23,639,565,750 | 10 |
| Average total loans | $59,423,019,250 | 18 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5567% | 7,594 |
| Cost of funding earning assets | 0.4972% | 7,548 |
| Net interest margin | 3.0595% | 6,703 |
| Noninterest income to average assets | 0.9779% | 1,442 |
| Noninterest expense to average assets | 2.5771% | 5,421 |
| Loan and lease loss provision to assets | 0.4143% | 3,245 |
| Net operating income to assets | 0.5602% | 4,036 |
| Return on assets (ROA) | 0.3895% | 4,962 |
| Pretax return on assets | 0.3907% | 5,256 |
| Return on Equity (ROE) | 2.4919% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.4919% | 4,570 |
| Net charge-offs to loans | 1.0224% | 1,827 |
| Credit loss provision to net charge-offs | 103.8141% | 3,927 |
| Earnings coverage of net charge-offs (x) | 2.4448% | 3,770 |
| Efficiency ratio | 66.6868% | 4,846 |
| Assets per employee ($millions) | 7.2540% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5608% | 3,621 |
| Loan loss allowance to noncurrent loans | 59.8418% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 4,961 |
| Noncurrent loans to loans | 2.6082% | 3,030 |
| Net loans and leases to total assets | 38.1515% | 7,263 |
| Net loans and leases to deposits | 47.7500% | 7,176 |
| Net loans and leases to core deposits | 70.6871% | 5,808 |
| Total domestic deposits to total assets | 79.8039% | 5,787 |
| Equity capital to assets | 15.8753% | 693 |
| Core capital (leverage) ratio | 7.6481% | 6,679 |
| Tier 1 risk-based capital ratio | 14.6116% | 3,377 |
| Total risk-based capital ratio | 16.2430% | 3,125 |
| Memoranda: |
| Average total assets | $146,913,283,670 | 13 |
| Average earning assets | $123,637,893,330 | 13 |
| Average equity | $22,965,236,670 | 11 |
| Average total loans | $57,339,312,670 | 18 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5489% | 7,694 |
| Cost of funding earning assets | 0.5159% | 7,655 |
| Net interest margin | 3.0331% | 6,757 |
| Noninterest income to average assets | 1.1114% | 1,019 |
| Noninterest expense to average assets | 2.8100% | 4,447 |
| Loan and lease loss provision to assets | 0.4514% | 2,710 |
| Net operating income to assets | 0.2620% | 5,442 |
| Return on assets (ROA) | 0.1308% | 6,044 |
| Pretax return on assets | 0.2126% | 5,840 |
| Return on Equity (ROE) | 0.8439% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.8439% | 5,479 |
| Net charge-offs to loans | 1.1048% | 1,521 |
| Credit loss provision to net charge-offs | 104.2848% | 3,285 |
| Earnings coverage of net charge-offs (x) | 1.9728% | 3,550 |
| Efficiency ratio | 70.7775% | 4,160 |
| Assets per employee ($millions) | 7.3538% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6037% | 3,425 |
| Loan loss allowance to noncurrent loans | 75.3187% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 5,415 |
| Noncurrent loans to loans | 2.1292% | 3,613 |
| Net loans and leases to total assets | 38.0643% | 7,346 |
| Net loans and leases to deposits | 47.3230% | 7,262 |
| Net loans and leases to core deposits | 68.5431% | 6,051 |
| Total domestic deposits to total assets | 80.3280% | 5,675 |
| Equity capital to assets | 15.3003% | 810 |
| Core capital (leverage) ratio | 7.3061% | 7,022 |
| Tier 1 risk-based capital ratio | 13.5870% | 3,934 |
| Total risk-based capital ratio | 15.3614% | 3,552 |
| Memoranda: |
| Average total assets | $144,061,415,500 | 13 |
| Average earning assets | $121,234,167,000 | 13 |
| Average equity | $22,333,685,500 | 11 |
| Average total loans | $56,434,551,000 | 18 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2837% | 7,565 |
| Cost of funding earning assets | 0.8880% | 7,426 |
| Net interest margin | 3.3957% | 5,382 |
| Noninterest income to average assets | 0.9328% | 1,823 |
| Noninterest expense to average assets | 2.9367% | 4,403 |
| Loan and lease loss provision to assets | 0.6319% | 3,279 |
| Net operating income to assets | 0.0920% | 5,232 |
| Return on assets (ROA) | 0.0279% | 5,454 |
| Pretax return on assets | 0.0010% | 5,443 |
| Return on Equity (ROE) | 0.1581% | 5,488 |
| Retained earnings to average equity (ytd only) | -0.5037% | 5,105 |
| Net charge-offs to loans | 0.8288% | 2,755 |
| Credit loss provision to net charge-offs | 161.5015% | 2,744 |
| Earnings coverage of net charge-offs (x) | 1.7812% | 4,387 |
| Efficiency ratio | 72.4907% | 4,185 |
| Assets per employee ($millions) | 7.0012% | 790 |
| Cash dividends to net income (ytd only)* | 418.5705% | 67 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6408% | 3,120 |
| Loan loss allowance to noncurrent loans | 78.5718% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 5,325 |
| Noncurrent loans to loans | 2.0883% | 3,537 |
| Net loans and leases to total assets | 39.0401% | 7,403 |
| Net loans and leases to deposits | 48.9914% | 7,312 |
| Net loans and leases to core deposits | 51.7748% | 7,534 |
| Total domestic deposits to total assets | 79.5633% | 5,828 |
| Equity capital to assets | 15.7171% | 737 |
| Core capital (leverage) ratio | 7.3251% | 6,958 |
| Tier 1 risk-based capital ratio | 13.2817% | 3,957 |
| Total risk-based capital ratio | 15.0653% | 3,560 |
| Memoranda: |
| Average total assets | $112,219,079,000 | 19 |
| Average earning assets | $89,256,733,800 | 18 |
| Average equity | $19,793,912,400 | 12 |
| Average total loans | $52,975,330,800 | 19 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6854% | 7,302 |
| Cost of funding earning assets | 1.0184% | 7,351 |
| Net interest margin | 3.6670% | 4,214 |
| Noninterest income to average assets | 0.9424% | 1,808 |
| Noninterest expense to average assets | 3.0935% | 3,667 |
| Loan and lease loss provision to assets | 0.6637% | 2,752 |
| Net operating income to assets | 0.0727% | 5,550 |
| Return on assets (ROA) | 0.0255% | 5,704 |
| Pretax return on assets | 0.0040% | 5,699 |
| Return on Equity (ROE) | 0.1397% | 5,734 |
| Retained earnings to average equity (ytd only) | -0.7681% | 5,424 |
| Net charge-offs to loans | 0.7954% | 2,376 |
| Credit loss provision to net charge-offs | 167.8805% | 2,790 |
| Earnings coverage of net charge-offs (x) | 1.8082% | 4,445 |
| Efficiency ratio | 72.5709% | 4,137 |
| Assets per employee ($millions) | 5.3431% | 1,750 |
| Cash dividends to net income (ytd only)* | 649.8339% | 53 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6062% | 2,964 |
| Loan loss allowance to noncurrent loans | 87.3950% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 5,109 |
| Noncurrent loans to loans | 1.8379% | 3,857 |
| Net loans and leases to total assets | 48.4189% | 6,915 |
| Net loans and leases to deposits | 65.1834% | 6,383 |
| Net loans and leases to core deposits | 71.3798% | 6,882 |
| Total domestic deposits to total assets | 74.1183% | 6,924 |
| Equity capital to assets | 19.0213% | 419 |
| Core capital (leverage) ratio | 8.0905% | 6,197 |
| Tier 1 risk-based capital ratio | 11.0771% | 5,874 |
| Total risk-based capital ratio | 12.8734% | 5,253 |
| Memoranda: |
| Average total assets | $105,264,211,000 | 20 |
| Average earning assets | $82,270,861,750 | 22 |
| Average equity | $19,239,894,000 | 11 |
| Average total loans | $52,323,355,750 | 22 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8739% | 7,089 |
| Cost of funding earning assets | 1.1196% | 7,325 |
| Net interest margin | 3.7543% | 3,736 |
| Noninterest income to average assets | 0.9921% | 1,618 |
| Noninterest expense to average assets | 3.1732% | 3,419 |
| Loan and lease loss provision to assets | 0.6708% | 2,425 |
| Net operating income to assets | 0.0759% | 5,633 |
| Return on assets (ROA) | 0.0198% | 5,862 |
| Pretax return on assets | 0.0109% | 5,846 |
| Return on Equity (ROE) | 0.1101% | 5,885 |
| Retained earnings to average equity (ytd only) | -1.2833% | 5,562 |
| Net charge-offs to loans | 0.7572% | 2,167 |
| Credit loss provision to net charge-offs | 177.5990% | 2,581 |
| Earnings coverage of net charge-offs (x) | 1.9532% | 4,124 |
| Efficiency ratio | 72.5487% | 4,294 |
| Assets per employee ($millions) | 5.0148% | 2,058 |
| Cash dividends to net income (ytd only)* | 1,265.8228% | 31 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5056% | 3,159 |
| Loan loss allowance to noncurrent loans | 96.8929% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 5,302 |
| Noncurrent loans to loans | 1.5539% | 4,164 |
| Net loans and leases to total assets | 49.8009% | 6,889 |
| Net loans and leases to deposits | 65.9699% | 6,395 |
| Net loans and leases to core deposits | 73.1535% | 6,833 |
| Total domestic deposits to total assets | 75.2476% | 6,709 |
| Equity capital to assets | 18.7459% | 477 |
| Core capital (leverage) ratio | 7.5159% | 6,990 |
| Tier 1 risk-based capital ratio | 10.4089% | 6,468 |
| Total risk-based capital ratio | 12.1545% | 5,918 |
| Memoranda: |
| Average total assets | $104,343,458,000 | 19 |
| Average earning assets | $81,122,608,330 | 21 |
| Average equity | $18,803,835,000 | 12 |
| Average total loans | $52,044,791,670 | 21 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9030% | 7,169 |
| Cost of funding earning assets | 1.2088% | 7,283 |
| Net interest margin | 3.6942% | 3,912 |
| Noninterest income to average assets | 1.0137% | 1,445 |
| Noninterest expense to average assets | 3.0482% | 3,561 |
| Loan and lease loss provision to assets | 0.8010% | 1,611 |
| Net operating income to assets | 0.0429% | 6,151 |
| Return on assets (ROA) | 0.0222% | 6,358 |
| Pretax return on assets | -0.0020% | 6,380 |
| Return on Equity (ROE) | 0.1260% | 6,384 |
| Retained earnings to average equity (ytd only) | -2.7189% | 6,225 |
| Net charge-offs to loans | 0.7866% | 1,640 |
| Credit loss provision to net charge-offs | 205.5686% | 2,164 |
| Earnings coverage of net charge-offs (x) | 2.1037% | 3,672 |
| Efficiency ratio | 69.8739% | 4,610 |
| Assets per employee ($millions) | 5.0663% | 2,003 |
| Cash dividends to net income (ytd only)* | 2,258.6207% | 8 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4369% | 3,311 |
| Loan loss allowance to noncurrent loans | 109.0633% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,401 |
| Noncurrent loans to loans | 1.3175% | 4,343 |
| Net loans and leases to total assets | 48.0393% | 7,018 |
| Net loans and leases to deposits | 64.3238% | 6,528 |
| Net loans and leases to core deposits | 72.3031% | 6,902 |
| Total domestic deposits to total assets | 74.4639% | 6,809 |
| Equity capital to assets | 17.7950% | 629 |
| Core capital (leverage) ratio | 7.7261% | 6,856 |
| Tier 1 risk-based capital ratio | 10.2731% | 6,618 |
| Total risk-based capital ratio | 12.0165% | 6,033 |
| Memoranda: |
| Average total assets | $104,308,519,000 | 20 |
| Average earning assets | $80,589,726,500 | 22 |
| Average equity | $18,419,162,000 | 11 |
| Average total loans | $51,670,333,500 | 22 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7126% | 6,739 |
| Cost of funding earning assets | 1.7305% | 7,183 |
| Net interest margin | 3.9820% | 3,208 |
| Noninterest income to average assets | 1.1865% | 1,081 |
| Noninterest expense to average assets | 3.2145% | 3,284 |
| Loan and lease loss provision to assets | 0.3828% | 3,401 |
| Net operating income to assets | 0.4536% | 4,936 |
| Return on assets (ROA) | 0.4777% | 4,658 |
| Pretax return on assets | 0.7136% | 4,354 |
| Return on Equity (ROE) | 2.7480% | 5,324 |
| Retained earnings to average equity (ytd only) | 0.9470% | 4,659 |
| Net charge-offs to loans | 0.5672% | 2,114 |
| Credit loss provision to net charge-offs | 140.0301% | 3,792 |
| Earnings coverage of net charge-offs (x) | 3.8792% | 4,194 |
| Efficiency ratio | 67.0512% | 4,901 |
| Assets per employee ($millions) | 4.9666% | 1,974 |
| Cash dividends to net income (ytd only)* | 65.5383% | 2,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2539% | 4,101 |
| Loan loss allowance to noncurrent loans | 112.8779% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 5,385 |
| Noncurrent loans to loans | 1.1109% | 4,327 |
| Net loans and leases to total assets | 49.7427% | 7,053 |
| Net loans and leases to deposits | 65.8704% | 6,657 |
| Net loans and leases to core deposits | 74.5660% | 6,931 |
| Total domestic deposits to total assets | 75.2474% | 6,391 |
| Equity capital to assets | 17.5145% | 715 |
| Core capital (leverage) ratio | 6.8004% | 7,818 |
| Tier 1 risk-based capital ratio | 9.1200% | 7,695 |
| Total risk-based capital ratio | 10.7439% | 7,234 |
| Memoranda: |
| Average total assets | $99,013,266,600 | 20 |
| Average earning assets | $76,793,714,800 | 21 |
| Average equity | $17,212,541,600 | 13 |
| Average total loans | $47,720,161,400 | 24 |
