Home > The Washington Trust Company, of Westerly > Performance and Condition Ratios
The Washington Trust Company, of Westerly, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 1,703 |
| Cost of funding earning assets | 3.0261% | 137 |
| Net interest margin | 2.1555% | 4,344 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 1.9022% | 3,832 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7176% | 3,139 |
| Return on assets (ROA) | 0.7176% | 3,119 |
| Pretax return on assets | 0.8443% | 3,108 |
| Return on Equity (ROE) | 10.7600% | 2,293 |
| Retained earnings to average equity (ytd only) | 2.4237% | 3,471 |
| Net charge-offs to loans | 0.0096% | 2,296 |
| Credit loss provision to net charge-offs | 682.6923% | 539 |
| Earnings coverage of net charge-offs (x) | 119.5365% | 821 |
| Efficiency ratio | 67.6905% | 2,143 |
| Assets per employee ($millions) | 10.8310% | 555 |
| Cash dividends to net income (ytd only)* | 77.4705% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 4,087 |
| Loan loss allowance to noncurrent loans | 91.9901% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 868 |
| Noncurrent loans to loans | 0.7874% | 984 |
| Net loans and leases to total assets | 78.1300% | 857 |
| Net loans and leases to deposits | 105.1136% | 319 |
| Net loans and leases to core deposits | 127.6475% | 446 |
| Total domestic deposits to total assets | 74.3300% | 4,082 |
| Equity capital to assets | 6.7858% | 4,022 |
| Core capital (leverage) ratio | 7.7215% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4711% | 2,727 |
| Memoranda: | ||
| Average total assets | $6,983,283,000 | 212 |
| Average earning assets | $6,432,110,200 | 208 |
| Average equity | $465,824,800 | 280 |
| Average total loans | $5,409,612,600 | 197 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 1,673 |
| Cost of funding earning assets | 2.8671% | 140 |
| Net interest margin | 2.2083% | 4,351 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 1.9327% | 3,747 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7028% | 3,322 |
| Return on assets (ROA) | 0.7028% | 3,299 |
| Pretax return on assets | 0.8842% | 3,140 |
| Return on Equity (ROE) | 10.5800% | 2,487 |
| Retained earnings to average equity (ytd only) | 2.2099% | 3,686 |
| Net charge-offs to loans | 0.0028% | 2,432 |
| Credit loss provision to net charge-offs | 2,017.5439% | 234 |
| Earnings coverage of net charge-offs (x) | 420.5702% | 347 |
| Efficiency ratio | 67.2589% | 2,105 |
| Assets per employee ($millions) | 10.8343% | 524 |
| Cash dividends to net income (ytd only)* | 79.1200% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 4,110 |
| Loan loss allowance to noncurrent loans | 119.4398% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 1,208 |
| Noncurrent loans to loans | 0.5988% | 1,342 |
| Net loans and leases to total assets | 77.7100% | 918 |
| Net loans and leases to deposits | 102.7783% | 399 |
| Net loans and leases to core deposits | 124.6212% | 444 |
| Total domestic deposits to total assets | 75.6100% | 4,047 |
| Equity capital to assets | 6.2230% | 3,914 |
| Core capital (leverage) ratio | 7.7845% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3613% | 2,761 |
| Memoranda: | ||
| Average total assets | $6,928,452,250 | 214 |
| Average earning assets | $6,374,438,000 | 209 |
| Average equity | $460,093,250 | 284 |
| Average total loans | $5,344,950,250 | 199 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 1,693 |
| Cost of funding earning assets | 2.6621% | 137 |
| Net interest margin | 2.2654% | 4,382 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 1.9346% | 3,747 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.7285% | 3,277 |
| Return on assets (ROA) | 0.7285% | 3,284 |
| Pretax return on assets | 0.9150% | 3,131 |
| Return on Equity (ROE) | 10.7300% | 2,494 |
| Retained earnings to average equity (ytd only) | -1.7091% | 4,271 |
| Net charge-offs to loans | 0.0032% | 2,208 |
| Credit loss provision to net charge-offs | 1,666.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 390.5833% | 368 |
| Efficiency ratio | 66.4337% | 2,183 |
| Assets per employee ($millions) | 10.3569% | 598 |
| Cash dividends to net income (ytd only)* | 115.9219% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 4,135 |
| Loan loss allowance to noncurrent loans | 377.6445% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,441 |
| Noncurrent loans to loans | 0.1928% | 2,503 |
| Net loans and leases to total assets | 76.4900% | 1,002 |
| Net loans and leases to deposits | 100.6196% | 491 |
| Net loans and leases to core deposits | 120.0429% | 511 |
| Total domestic deposits to total assets | 76.0200% | 4,039 |
| Equity capital to assets | 6.6276% | 3,933 |
| Core capital (leverage) ratio | 7.8211% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4958% | 2,767 |
| Memoranda: | ||
| Average total assets | $6,843,550,333 | 212 |
| Average earning assets | $6,305,438,333 | 206 |
| Average equity | $464,454,000 | 276 |
| Average total loans | $5,252,527,000 | 194 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 1,740 |
| Cost of funding earning assets | 2.3404% | 134 |
| Net interest margin | 2.4086% | 4,378 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 1.9710% | 3,692 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7862% | 3,237 |
| Return on assets (ROA) | 0.7862% | 3,184 |
| Pretax return on assets | 0.9889% | 3,028 |
| Return on Equity (ROE) | 11.4500% | 2,364 |
| Retained earnings to average equity (ytd only) | -4.9404% | 4,329 |
| Net charge-offs to loans | 0.0036% | 1,872 |
| Credit loss provision to net charge-offs | 1,702.1277% | 232 |
| Earnings coverage of net charge-offs (x) | 372.5957% | 297 |
| Efficiency ratio | 65.1233% | 2,311 |
| Assets per employee ($millions) | 10.5852% | 586 |
| Cash dividends to net income (ytd only)* | 143.1657% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 4,191 |
| Loan loss allowance to noncurrent loans | 277.0396% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,065 |
| Noncurrent loans to loans | 0.2674% | 2,189 |
| Net loans and leases to total assets | 75.7700% | 993 |
| Net loans and leases to deposits | 98.5018% | 512 |
| Net loans and leases to core deposits | 116.9365% | 513 |
| Total domestic deposits to total assets | 76.9200% | 4,084 |
| Equity capital to assets | 6.8508% | 3,887 |
| Core capital (leverage) ratio | 8.0077% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6708% | 2,817 |
| Memoranda: | ||
| Average total assets | $6,759,516,500 | 221 |
| Average earning assets | $6,235,615,000 | 217 |
| Average equity | $464,331,500 | 280 |
| Average total loans | $5,177,592,000 | 200 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 2,762 |
| Cost of funding earning assets | 0.8624% | 301 |
| Net interest margin | 2.7523% | 3,974 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.0818% | 3,349 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.1840% | 1,840 |
| Return on assets (ROA) | 1.1840% | 1,769 |
| Pretax return on assets | 1.5058% | 1,437 |
| Return on Equity (ROE) | 14.7000% | 1,341 |
| Retained earnings to average equity (ytd only) | 3.9508% | 3,415 |
| Net charge-offs to loans | -0.0080% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.9790% | 3,343 |
| Assets per employee ($millions) | 10.2302% | 626 |
| Cash dividends to net income (ytd only)* | 73.1272% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 4,151 |
| Loan loss allowance to noncurrent loans | 295.9300% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,207 |
| Noncurrent loans to loans | 0.2510% | 2,270 |
| Net loans and leases to total assets | 76.3000% | 978 |
| Net loans and leases to deposits | 100.9228% | 405 |
| Net loans and leases to core deposits | 112.8527% | 523 |
| Total domestic deposits to total assets | 75.6000% | 4,280 |
| Equity capital to assets | 6.8883% | 3,715 |
| Core capital (leverage) ratio | 8.4016% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0246% | 2,726 |
| Memoranda: | ||
| Average total assets | $6,149,113,800 | 235 |
| Average earning assets | $5,694,531,000 | 228 |
| Average equity | $495,215,800 | 267 |
| Average total loans | $4,621,711,400 | 204 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 3,023 |
| Cost of funding earning assets | 0.6095% | 413 |
| Net interest margin | 2.7489% | 3,837 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 2.0989% | 3,213 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.2372% | 1,561 |
| Return on assets (ROA) | 1.2372% | 1,537 |
| Pretax return on assets | 1.5759% | 1,185 |
| Return on Equity (ROE) | 14.7700% | 1,224 |
| Retained earnings to average equity (ytd only) | 3.4928% | 3,625 |
| Net charge-offs to loans | -0.0031% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.4521% | 3,451 |
| Assets per employee ($millions) | 9.9179% | 676 |
| Cash dividends to net income (ytd only)* | 76.3539% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 4,172 |
| Loan loss allowance to noncurrent loans | 302.8508% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,337 |
| Noncurrent loans to loans | 0.2498% | 2,380 |
| Net loans and leases to total assets | 75.4900% | 964 |
| Net loans and leases to deposits | 95.1558% | 590 |
| Net loans and leases to core deposits | 108.3191% | 525 |
| Total domestic deposits to total assets | 79.3300% | 4,154 |
| Equity capital to assets | 6.8329% | 3,600 |
| Core capital (leverage) ratio | 8.7286% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3049% | 2,718 |
| Memoranda: | ||
| Average total assets | $6,021,433,000 | 243 |
| Average earning assets | $5,582,354,750 | 235 |
| Average equity | $504,332,250 | 266 |
| Average total loans | $4,497,291,000 | 207 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1802% | 3,109 |
| Cost of funding earning assets | 0.5222% | 455 |
| Net interest margin | 2.6580% | 3,798 |
| Noninterest income to average assets | 1.1190% | 537 |
| Noninterest expense to average assets | 2.1001% | 3,144 |
| Loan and lease loss provision to assets | -0.0984% | 4,589 |
| Net operating income to assets | 1.2532% | 1,270 |
| Return on assets (ROA) | 1.2532% | 1,256 |
| Pretax return on assets | 1.5896% | 965 |
| Return on Equity (ROE) | 14.0266% | 1,110 |
| Retained earnings to average equity (ytd only) | 2.2871% | 3,672 |
| Net charge-offs to loans | -0.0072% | 3,460 |
| Credit loss provision to net charge-offs | 1,853.7975% | 255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0683% | 3,550 |
| Assets per employee ($millions) | 9.4197% | 776 |
| Cash dividends to net income (ytd only)* | 83.6944% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 4,164 |
| Loan loss allowance to noncurrent loans | 291.6560% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,276 |
| Noncurrent loans to loans | 0.2765% | 2,363 |
| Net loans and leases to total assets | 74.6709% | 843 |
| Net loans and leases to deposits | 88.7899% | 787 |
| Net loans and leases to core deposits | 101.2792% | 619 |
| Total domestic deposits to total assets | 84.0984% | 3,670 |
| Equity capital to assets | 8.0805% | 3,058 |
| Core capital (leverage) ratio | 9.1685% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1593% | 2,432 |
| Memoranda: | ||
| Average total assets | $5,892,920,000 | 243 |
| Average earning assets | $5,481,004,667 | 238 |
| Average equity | $526,515,000 | 260 |
| Average total loans | $4,371,942,000 | 208 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1218% | 2,906 |
| Cost of funding earning assets | 0.5390% | 397 |
| Net interest margin | 2.5828% | 3,700 |
| Noninterest income to average assets | 1.1716% | 502 |
| Noninterest expense to average assets | 2.1169% | 3,089 |
| Loan and lease loss provision to assets | 0.0068% | 2,187 |
| Net operating income to assets | 1.1456% | 1,393 |
| Return on assets (ROA) | 1.1456% | 1,389 |
| Pretax return on assets | 1.4546% | 1,116 |
| Return on Equity (ROE) | 12.2239% | 1,247 |
| Retained earnings to average equity (ytd only) | 5.3143% | 2,474 |
| Net charge-offs to loans | -0.0137% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7451% | 3,608 |
| Assets per employee ($millions) | 9.2667% | 838 |
| Cash dividends to net income (ytd only)* | 56.5254% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 4,007 |
| Loan loss allowance to noncurrent loans | 310.6818% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 2,350 |
| Noncurrent loans to loans | 0.2937% | 2,415 |
| Net loans and leases to total assets | 72.8627% | 755 |
| Net loans and leases to deposits | 82.8914% | 949 |
| Net loans and leases to core deposits | 93.7525% | 743 |
| Total domestic deposits to total assets | 87.9013% | 2,572 |
| Equity capital to assets | 8.9351% | 2,768 |
| Core capital (leverage) ratio | 9.2507% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8463% | 2,282 |
| Memoranda: | ||
| Average total assets | $5,848,641,000 | 247 |
| Average earning assets | $5,449,958,500 | 239 |
| Average equity | $548,107,000 | 255 |
| Average total loans | $4,306,542,500 | 208 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 3,356 |
| Cost of funding earning assets | 0.6217% | 490 |
| Net interest margin | 2.6232% | 4,016 |
| Noninterest income to average assets | 1.5008% | 498 |
| Noninterest expense to average assets | 2.3123% | 2,761 |
| Loan and lease loss provision to assets | -0.0827% | 4,488 |
| Net operating income to assets | 1.3347% | 1,496 |
| Return on assets (ROA) | 1.3347% | 1,534 |
| Pretax return on assets | 1.7047% | 1,134 |
| Return on Equity (ROE) | 13.8547% | 1,229 |
| Retained earnings to average equity (ytd only) | 5.7083% | 2,471 |
| Net charge-offs to loans | 0.0097% | 2,199 |
| Credit loss provision to net charge-offs | -1,103.3573% | 3,943 |
| Earnings coverage of net charge-offs (x) | 226.6595% | 495 |
| Efficiency ratio | 58.3850% | 3,381 |
| Assets per employee ($millions) | 9.3901% | 812 |
| Cash dividends to net income (ytd only)* | 58.7989% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,051 |
| Loan loss allowance to noncurrent loans | 274.6680% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,341 |
| Noncurrent loans to loans | 0.3299% | 2,406 |
| Net loans and leases to total assets | 73.0645% | 744 |
| Net loans and leases to deposits | 85.6799% | 813 |
| Net loans and leases to core deposits | 99.4215% | 562 |
| Total domestic deposits to total assets | 85.2762% | 3,178 |
| Equity capital to assets | 9.8078% | 2,845 |
| Core capital (leverage) ratio | 9.1385% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6980% | 2,362 |
| Memoranda: | ||
| Average total assets | $5,827,196,800 | 239 |
| Average earning assets | $5,405,784,200 | 236 |
| Average equity | $561,377,000 | 251 |
| Average total loans | $4,302,156,600 | 209 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 3,590 |
| Cost of funding earning assets | 0.6380% | 523 |
| Net interest margin | 2.5695% | 4,178 |
| Noninterest income to average assets | 1.5365% | 525 |
| Noninterest expense to average assets | 2.2841% | 2,796 |
| Loan and lease loss provision to assets | -0.0458% | 4,441 |
| Net operating income to assets | 1.3126% | 1,784 |
| Return on assets (ROA) | 1.3126% | 1,836 |
| Pretax return on assets | 1.6796% | 1,456 |
| Return on Equity (ROE) | 13.6874% | 1,481 |
| Retained earnings to average equity (ytd only) | 5.8616% | 2,889 |
| Net charge-offs to loans | 0.0138% | 1,818 |
| Credit loss provision to net charge-offs | -439.4144% | 3,609 |
| Earnings coverage of net charge-offs (x) | 160.6599% | 648 |
| Efficiency ratio | 57.9054% | 3,272 |
| Assets per employee ($millions) | 9.6509% | 725 |
| Cash dividends to net income (ytd only)* | 57.1748% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,972 |
| Loan loss allowance to noncurrent loans | 379.4324% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,886 |
| Noncurrent loans to loans | 0.2536% | 2,917 |
| Net loans and leases to total assets | 71.5262% | 918 |
| Net loans and leases to deposits | 84.7918% | 904 |
| Net loans and leases to core deposits | 102.9942% | 493 |
| Total domestic deposits to total assets | 84.3550% | 3,349 |
| Equity capital to assets | 9.4538% | 3,417 |
| Core capital (leverage) ratio | 8.9592% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5918% | 2,511 |
| Memoranda: | ||
| Average total assets | $5,821,491,500 | 240 |
| Average earning assets | $5,395,066,250 | 234 |
| Average equity | $558,282,000 | 253 |
| Average total loans | $4,299,351,500 | 214 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2134% | 3,650 |
| Cost of funding earning assets | 0.6668% | 527 |
| Net interest margin | 2.5466% | 4,251 |
| Noninterest income to average assets | 1.6166% | 474 |
| Noninterest expense to average assets | 2.3381% | 2,654 |
| Loan and lease loss provision to assets | -0.0694% | 4,562 |
| Net operating income to assets | 1.3325% | 1,769 |
| Return on assets (ROA) | 1.3325% | 1,835 |
| Pretax return on assets | 1.7021% | 1,476 |
| Return on Equity (ROE) | 13.8265% | 1,466 |
| Retained earnings to average equity (ytd only) | 6.8043% | 2,500 |
| Net charge-offs to loans | 0.0129% | 1,696 |
| Credit loss provision to net charge-offs | -706.8841% | 3,567 |
| Earnings coverage of net charge-offs (x) | 170.3986% | 548 |
| Efficiency ratio | 58.4876% | 3,216 |
| Assets per employee ($millions) | 9.1003% | 831 |
| Cash dividends to net income (ytd only)* | 50.7881% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,942 |
| Loan loss allowance to noncurrent loans | 399.0376% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 3,067 |
| Noncurrent loans to loans | 0.2423% | 3,081 |
| Net loans and leases to total assets | 73.3098% | 824 |
| Net loans and leases to deposits | 90.6916% | 608 |
| Net loans and leases to core deposits | 110.6127% | 343 |
| Total domestic deposits to total assets | 80.8341% | 4,110 |
| Equity capital to assets | 9.6389% | 3,210 |
| Core capital (leverage) ratio | 8.9714% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5066% | 2,546 |
| Memoranda: | ||
| Average total assets | $5,761,026,667 | 243 |
| Average earning assets | $5,325,727,000 | 236 |
| Average equity | $555,210,000 | 252 |
| Average total loans | $4,287,353,000 | 216 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2161% | 3,655 |
| Cost of funding earning assets | 0.7132% | 522 |
| Net interest margin | 2.5029% | 4,294 |
| Noninterest income to average assets | 1.8177% | 434 |
| Noninterest expense to average assets | 2.4133% | 2,457 |
| Loan and lease loss provision to assets | -0.1400% | 4,766 |
| Net operating income to assets | 1.4506% | 1,444 |
| Return on assets (ROA) | 1.4506% | 1,509 |
| Pretax return on assets | 1.8513% | 1,195 |
| Return on Equity (ROE) | 15.0536% | 1,199 |
| Retained earnings to average equity (ytd only) | 8.2316% | 2,168 |
| Net charge-offs to loans | 0.0017% | 1,870 |
| Credit loss provision to net charge-offs | -10,838.8889% | 3,804 |
| Earnings coverage of net charge-offs (x) | 1,358.5556% | 62 |
| Efficiency ratio | 58.1262% | 3,280 |
| Assets per employee ($millions) | 9.2091% | 774 |
| Cash dividends to net income (ytd only)* | 45.3182% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,888 |
| Loan loss allowance to noncurrent loans | 323.1861% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,009 |
| Noncurrent loans to loans | 0.3052% | 3,001 |
| Net loans and leases to total assets | 73.9691% | 818 |
| Net loans and leases to deposits | 92.8845% | 551 |
| Net loans and leases to core deposits | 108.7220% | 449 |
| Total domestic deposits to total assets | 79.6356% | 4,244 |
| Equity capital to assets | 9.6282% | 3,069 |
| Core capital (leverage) ratio | 9.0253% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7235% | 2,401 |
| Memoranda: | ||
| Average total assets | $5,715,792,500 | 244 |
| Average earning assets | $5,268,265,500 | 238 |
| Average equity | $550,805,000 | 251 |
| Average total loans | $4,265,231,500 | 215 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 3,993 |
| Cost of funding earning assets | 1.0640% | 465 |
| Net interest margin | 2.4546% | 4,625 |
| Noninterest income to average assets | 1.7528% | 407 |
| Noninterest expense to average assets | 2.2014% | 3,660 |
| Loan and lease loss provision to assets | 0.2177% | 1,800 |
| Net operating income to assets | 1.2477% | 1,388 |
| Return on assets (ROA) | 1.2477% | 1,496 |
| Pretax return on assets | 1.5929% | 1,088 |
| Return on Equity (ROE) | 13.2850% | 971 |
| Retained earnings to average equity (ytd only) | 5.1836% | 2,196 |
| Net charge-offs to loans | 0.0273% | 2,488 |
| Credit loss provision to net charge-offs | 1,024.9782% | 768 |
| Earnings coverage of net charge-offs (x) | 89.6541% | 844 |
| Efficiency ratio | 54.4690% | 4,160 |
| Assets per employee ($millions) | 9.3805% | 654 |
| Cash dividends to net income (ytd only)* | 60.9816% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,737 |
| Loan loss allowance to noncurrent loans | 332.8504% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,130 |
| Noncurrent loans to loans | 0.3112% | 3,092 |
| Net loans and leases to total assets | 73.7657% | 1,056 |
| Net loans and leases to deposits | 96.1967% | 545 |
| Net loans and leases to core deposits | 115.2201% | 380 |
| Total domestic deposits to total assets | 76.6822% | 4,453 |
| Equity capital to assets | 9.6449% | 3,461 |
| Core capital (leverage) ratio | 8.8587% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3780% | 2,492 |
| Memoranda: | ||
| Average total assets | $5,669,816,200 | 228 |
| Average earning assets | $5,218,144,200 | 226 |
| Average equity | $532,488,200 | 248 |
| Average total loans | $4,200,401,600 | 214 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,072 |
| Cost of funding earning assets | 1.1277% | 480 |
| Net interest margin | 2.4501% | 4,688 |
| Noninterest income to average assets | 1.6897% | 409 |
| Noninterest expense to average assets | 2.1403% | 3,850 |
| Loan and lease loss provision to assets | 0.2488% | 1,625 |
| Net operating income to assets | 1.2256% | 1,560 |
| Return on assets (ROA) | 1.2256% | 1,678 |
| Pretax return on assets | 1.5558% | 1,312 |
| Return on Equity (ROE) | 13.1397% | 1,068 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,458 |
| Net charge-offs to loans | 0.0327% | 2,172 |
| Credit loss provision to net charge-offs | 988.9971% | 832 |
| Earnings coverage of net charge-offs (x) | 74.5833% | 960 |
| Efficiency ratio | 53.8434% | 4,165 |
| Assets per employee ($millions) | 9.5876% | 582 |
| Cash dividends to net income (ytd only)* | 60.1738% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,784 |
| Loan loss allowance to noncurrent loans | 288.2782% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,170 |
| Noncurrent loans to loans | 0.3400% | 3,062 |
| Net loans and leases to total assets | 73.6570% | 1,415 |
| Net loans and leases to deposits | 100.2999% | 527 |
| Net loans and leases to core deposits | 120.0773% | 412 |
| Total domestic deposits to total assets | 73.4367% | 4,609 |
| Equity capital to assets | 9.3536% | 3,815 |
| Core capital (leverage) ratio | 8.7258% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0236% | 2,605 |
| Memoranda: | ||
| Average total assets | $5,659,094,000 | 227 |
| Average earning assets | $5,208,891,250 | 225 |
| Average equity | $527,863,750 | 248 |
| Average total loans | $4,185,971,250 | 214 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 4,139 |
| Cost of funding earning assets | 1.1881% | 522 |
| Net interest margin | 2.4839% | 4,745 |
| Noninterest income to average assets | 1.6530% | 384 |
| Noninterest expense to average assets | 2.0969% | 4,039 |
| Loan and lease loss provision to assets | 0.3301% | 1,293 |
| Net operating income to assets | 1.1957% | 1,652 |
| Return on assets (ROA) | 1.1957% | 1,779 |
| Pretax return on assets | 1.5109% | 1,426 |
| Return on Equity (ROE) | 12.8310% | 1,141 |
| Retained earnings to average equity (ytd only) | 1.2883% | 4,013 |
| Net charge-offs to loans | 0.0451% | 1,849 |
| Credit loss provision to net charge-offs | 951.3426% | 819 |
| Earnings coverage of net charge-offs (x) | 55.3276% | 1,026 |
| Efficiency ratio | 52.8322% | 4,287 |
| Assets per employee ($millions) | 9.8099% | 530 |
| Cash dividends to net income (ytd only)* | 89.9596% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,767 |
| Loan loss allowance to noncurrent loans | 257.9744% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 3,224 |
| Noncurrent loans to loans | 0.3708% | 3,080 |
| Net loans and leases to total assets | 73.0144% | 1,554 |
| Net loans and leases to deposits | 104.1328% | 370 |
| Net loans and leases to core deposits | 123.7185% | 348 |
| Total domestic deposits to total assets | 70.1166% | 4,780 |
| Equity capital to assets | 9.0461% | 4,051 |
| Core capital (leverage) ratio | 8.2404% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5156% | 2,812 |
| Memoranda: | ||
| Average total assets | $5,595,979,667 | 227 |
| Average earning assets | $5,147,732,333 | 224 |
| Average equity | $521,472,333 | 251 |
| Average total loans | $4,131,152,333 | 211 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 4,141 |
| Cost of funding earning assets | 1.2331% | 688 |
| Net interest margin | 2.6135% | 4,743 |
| Noninterest income to average assets | 1.4593% | 423 |
| Noninterest expense to average assets | 2.2173% | 3,966 |
| Loan and lease loss provision to assets | 0.5158% | 566 |
| Net operating income to assets | 0.8959% | 2,539 |
| Return on assets (ROA) | 0.8959% | 2,638 |
| Pretax return on assets | 1.1320% | 2,418 |
| Return on Equity (ROE) | 9.4650% | 1,927 |
| Retained earnings to average equity (ytd only) | -13.8459% | 4,872 |
| Net charge-offs to loans | 0.0618% | 1,392 |
| Credit loss provision to net charge-offs | 1,087.1589% | 539 |
| Earnings coverage of net charge-offs (x) | 36.0770% | 1,072 |
| Efficiency ratio | 56.9301% | 4,120 |
| Assets per employee ($millions) | 9.4611% | 450 |
| Cash dividends to net income (ytd only)* | 246.2848% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,900 |
| Loan loss allowance to noncurrent loans | 220.8888% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 3,161 |
| Noncurrent loans to loans | 0.4337% | 2,950 |
| Net loans and leases to total assets | 72.9691% | 1,784 |
| Net loans and leases to deposits | 110.0905% | 185 |
| Net loans and leases to core deposits | 130.1386% | 268 |
| Total domestic deposits to total assets | 66.2810% | 4,952 |
| Equity capital to assets | 9.0907% | 4,542 |
| Core capital (leverage) ratio | 8.4037% | 4,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9292% | 3,125 |
| Memoranda: | ||
| Average total assets | $5,455,902,500 | 223 |
| Average earning assets | $5,022,424,500 | 222 |
| Average equity | $516,427,500 | 255 |
| Average total loans | $4,030,796,500 | 213 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 3,858 |
| Cost of funding earning assets | 1.3600% | 633 |
| Net interest margin | 2.8183% | 4,744 |
| Noninterest income to average assets | 1.2819% | 576 |
| Noninterest expense to average assets | 2.1171% | 4,326 |
| Loan and lease loss provision to assets | 0.0305% | 3,409 |
| Net operating income to assets | 1.3596% | 1,477 |
| Return on assets (ROA) | 1.3588% | 1,556 |
| Pretax return on assets | 1.7333% | 1,100 |
| Return on Equity (ROE) | 14.0533% | 887 |
| Retained earnings to average equity (ytd only) | 6.6912% | 1,528 |
| Net charge-offs to loans | 0.0430% | 2,530 |
| Credit loss provision to net charge-offs | 96.4483% | 2,567 |
| Earnings coverage of net charge-offs (x) | 55.8628% | 1,033 |
| Efficiency ratio | 54.0674% | 4,419 |
| Assets per employee ($millions) | 8.9693% | 507 |
| Cash dividends to net income (ytd only)* | 52.3869% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 4,597 |
| Loan loss allowance to noncurrent loans | 154.7459% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 3,004 |
| Noncurrent loans to loans | 0.4452% | 2,847 |
| Net loans and leases to total assets | 73.5864% | 1,820 |
| Net loans and leases to deposits | 111.2251% | 166 |
| Net loans and leases to core deposits | 126.6802% | 331 |
| Total domestic deposits to total assets | 66.1599% | 5,026 |
| Equity capital to assets | 9.8635% | 4,047 |
| Core capital (leverage) ratio | 8.9776% | 4,545 |
| Tier 1 risk-based capital ratio | 12.1347% | 4,280 |
| Total risk-based capital ratio | 12.8493% | 4,460 |
| Memoranda: | ||
| Average total assets | $5,169,091,600 | 218 |
| Average earning assets | $4,768,544,600 | 215 |
| Average equity | $499,804,200 | 247 |
| Average total loans | $3,793,903,600 | 217 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 3,814 |
| Cost of funding earning assets | 1.3732% | 632 |
| Net interest margin | 2.8740% | 4,787 |
| Noninterest income to average assets | 1.3132% | 542 |
| Noninterest expense to average assets | 2.1199% | 4,328 |
| Loan and lease loss provision to assets | 0.0409% | 3,088 |
| Net operating income to assets | 1.4146% | 1,420 |
| Return on assets (ROA) | 1.4130% | 1,488 |
| Pretax return on assets | 1.8014% | 1,085 |
| Return on Equity (ROE) | 14.6892% | 851 |
| Retained earnings to average equity (ytd only) | 7.3462% | 1,694 |
| Net charge-offs to loans | 0.0585% | 1,989 |
| Credit loss provision to net charge-offs | 95.4545% | 2,339 |
| Earnings coverage of net charge-offs (x) | 43.0787% | 1,301 |
| Efficiency ratio | 53.0076% | 4,501 |
| Assets per employee ($millions) | 8.8565% | 512 |
| Cash dividends to net income (ytd only)* | 49.9890% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 4,637 |
| Loan loss allowance to noncurrent loans | 180.6424% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,033 |
| Noncurrent loans to loans | 0.3909% | 3,145 |
| Net loans and leases to total assets | 73.0180% | 1,995 |
| Net loans and leases to deposits | 105.8163% | 333 |
| Net loans and leases to core deposits | 125.7849% | 370 |
| Total domestic deposits to total assets | 69.0045% | 5,029 |
| Equity capital to assets | 9.9497% | 4,069 |
| Core capital (leverage) ratio | 8.9188% | 4,693 |
| Tier 1 risk-based capital ratio | 12.1405% | 4,344 |
| Total risk-based capital ratio | 12.8670% | 4,508 |
| Memoranda: | ||
| Average total assets | $5,138,387,000 | 221 |
| Average earning assets | $4,739,867,000 | 216 |
| Average equity | $494,263,000 | 251 |
| Average total loans | $3,762,094,750 | 219 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 3,687 |
| Cost of funding earning assets | 1.3662% | 604 |
| Net interest margin | 2.9153% | 4,808 |
| Noninterest income to average assets | 1.2603% | 548 |
| Noninterest expense to average assets | 2.1444% | 4,338 |
| Loan and lease loss provision to assets | 0.0459% | 2,900 |
| Net operating income to assets | 1.3857% | 1,474 |
| Return on assets (ROA) | 1.3832% | 1,536 |
| Pretax return on assets | 1.7611% | 1,146 |
| Return on Equity (ROE) | 14.5492% | 864 |
| Retained earnings to average equity (ytd only) | 7.2134% | 1,721 |
| Net charge-offs to loans | 0.0454% | 2,003 |
| Credit loss provision to net charge-offs | 138.3981% | 1,584 |
| Earnings coverage of net charge-offs (x) | 54.5618% | 1,039 |
| Efficiency ratio | 53.7540% | 4,497 |
| Assets per employee ($millions) | 8.6194% | 536 |
| Cash dividends to net income (ytd only)* | 50.4209% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,654 |
| Loan loss allowance to noncurrent loans | 212.5359% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,392 |
| Noncurrent loans to loans | 0.3419% | 3,320 |
| Net loans and leases to total assets | 72.1373% | 2,201 |
| Net loans and leases to deposits | 106.7464% | 310 |
| Net loans and leases to core deposits | 129.4992% | 332 |
| Total domestic deposits to total assets | 67.5782% | 5,120 |
| Equity capital to assets | 9.7104% | 4,226 |
| Core capital (leverage) ratio | 8.7105% | 4,835 |
| Tier 1 risk-based capital ratio | 11.9913% | 4,427 |
| Total risk-based capital ratio | 12.7363% | 4,587 |
| Memoranda: | ||
| Average total assets | $5,118,270,000 | 222 |
| Average earning assets | $4,730,082,000 | 220 |
| Average equity | $486,597,000 | 254 |
| Average total loans | $3,741,789,330 | 223 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 3,578 |
| Cost of funding earning assets | 1.3342% | 587 |
| Net interest margin | 2.9609% | 4,804 |
| Noninterest income to average assets | 1.2114% | 555 |
| Noninterest expense to average assets | 2.1070% | 4,450 |
| Loan and lease loss provision to assets | 0.0512% | 2,633 |
| Net operating income to assets | 1.4060% | 1,357 |
| Return on assets (ROA) | 1.4060% | 1,383 |
| Pretax return on assets | 1.7947% | 985 |
| Return on Equity (ROE) | 14.9518% | 755 |
| Retained earnings to average equity (ytd only) | 6.9838% | 2,051 |
| Net charge-offs to loans | 0.0084% | 2,392 |
| Credit loss provision to net charge-offs | 833.3333% | 432 |
| Earnings coverage of net charge-offs (x) | 300.7179% | 271 |
| Efficiency ratio | 52.8270% | 4,631 |
| Assets per employee ($millions) | 9.4051% | 411 |
| Cash dividends to net income (ytd only)* | 53.2912% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 4,700 |
| Loan loss allowance to noncurrent loans | 223.3137% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 3,476 |
| Noncurrent loans to loans | 0.3298% | 3,387 |
| Net loans and leases to total assets | 72.2858% | 2,105 |
| Net loans and leases to deposits | 106.2722% | 316 |
| Net loans and leases to core deposits | 128.8195% | 322 |
| Total domestic deposits to total assets | 68.0195% | 5,176 |
| Equity capital to assets | 9.4736% | 4,284 |
| Core capital (leverage) ratio | 8.6179% | 4,935 |
| Tier 1 risk-based capital ratio | 11.7393% | 4,594 |
| Total risk-based capital ratio | 12.4907% | 4,778 |
| Memoranda: | ||
| Average total assets | $5,082,963,500 | 226 |
| Average earning assets | $4,706,183,500 | 221 |
| Average equity | $477,964,000 | 258 |
| Average total loans | $3,727,424,500 | 225 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 3,868 |
| Cost of funding earning assets | 1.0096% | 724 |
| Net interest margin | 3.0501% | 4,730 |
| Noninterest income to average assets | 1.2934% | 558 |
| Noninterest expense to average assets | 2.2209% | 4,288 |
| Loan and lease loss provision to assets | 0.0328% | 3,534 |
| Net operating income to assets | 1.4665% | 1,213 |
| Return on assets (ROA) | 1.4665% | 1,204 |
| Pretax return on assets | 1.8587% | 798 |
| Return on Equity (ROE) | 15.5978% | 707 |
| Retained earnings to average equity (ytd only) | 8.3035% | 1,116 |
| Net charge-offs to loans | 0.0274% | 2,860 |
| Credit loss provision to net charge-offs | 160.4555% | 1,734 |
| Earnings coverage of net charge-offs (x) | 92.4938% | 781 |
| Efficiency ratio | 53.4998% | 4,659 |
| Assets per employee ($millions) | 8.7316% | 508 |
| Cash dividends to net income (ytd only)* | 46.7648% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 4,729 |
| Loan loss allowance to noncurrent loans | 230.4785% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 3,475 |
| Noncurrent loans to loans | 0.3173% | 3,417 |
| Net loans and leases to total assets | 73.3156% | 2,040 |
| Net loans and leases to deposits | 104.1688% | 472 |
| Net loans and leases to core deposits | 125.5216% | 407 |
| Total domestic deposits to total assets | 70.3816% | 5,144 |
| Equity capital to assets | 9.3309% | 4,290 |
| Core capital (leverage) ratio | 8.8382% | 4,785 |
| Tier 1 risk-based capital ratio | 11.7375% | 4,603 |
| Total risk-based capital ratio | 12.4920% | 4,763 |
| Memoranda: | ||
| Average total assets | $4,723,557,800 | 236 |
| Average earning assets | $4,365,713,600 | 232 |
| Average equity | $444,101,800 | 264 |
| Average total loans | $3,522,882,200 | 226 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,851 |
| Cost of funding earning assets | 0.9526% | 738 |
| Net interest margin | 3.0748% | 4,745 |
| Noninterest income to average assets | 1.3407% | 526 |
| Noninterest expense to average assets | 2.2626% | 4,189 |
| Loan and lease loss provision to assets | 0.0215% | 3,586 |
| Net operating income to assets | 1.4958% | 1,206 |
| Return on assets (ROA) | 1.4958% | 1,202 |
| Pretax return on assets | 1.8955% | 825 |
| Return on Equity (ROE) | 15.8768% | 714 |
| Retained earnings to average equity (ytd only) | 8.3823% | 1,480 |
| Net charge-offs to loans | 0.0279% | 2,543 |
| Credit loss provision to net charge-offs | 102.8807% | 2,216 |
| Earnings coverage of net charge-offs (x) | 91.7390% | 805 |
| Efficiency ratio | 53.6269% | 4,644 |
| Assets per employee ($millions) | 8.1978% | 601 |
| Cash dividends to net income (ytd only)* | 47.2040% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 4,778 |
| Loan loss allowance to noncurrent loans | 244.1651% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 3,533 |
| Noncurrent loans to loans | 0.3033% | 3,589 |
| Net loans and leases to total assets | 74.4598% | 1,909 |
| Net loans and leases to deposits | 103.9536% | 552 |
| Net loans and leases to core deposits | 123.8570% | 464 |
| Total domestic deposits to total assets | 71.6280% | 5,154 |
| Equity capital to assets | 9.3669% | 4,214 |
| Core capital (leverage) ratio | 8.8479% | 4,850 |
| Tier 1 risk-based capital ratio | 11.9089% | 4,549 |
| Total risk-based capital ratio | 12.6769% | 4,712 |
| Memoranda: | ||
| Average total assets | $4,651,460,750 | 237 |
| Average earning assets | $4,294,627,000 | 233 |
| Average equity | $438,212,750 | 266 |
| Average total loans | $3,478,200,000 | 226 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 3,887 |
| Cost of funding earning assets | 0.8961% | 744 |
| Net interest margin | 3.0688% | 4,787 |
| Noninterest income to average assets | 1.3764% | 499 |
| Noninterest expense to average assets | 2.3049% | 4,131 |
| Loan and lease loss provision to assets | 0.0173% | 3,547 |
| Net operating income to assets | 1.4925% | 1,181 |
| Return on assets (ROA) | 1.4925% | 1,176 |
| Pretax return on assets | 1.8887% | 791 |
| Return on Equity (ROE) | 15.8110% | 705 |
| Retained earnings to average equity (ytd only) | 8.1384% | 1,564 |
| Net charge-offs to loans | 0.0415% | 2,033 |
| Credit loss provision to net charge-offs | 56.0224% | 2,455 |
| Earnings coverage of net charge-offs (x) | 61.5546% | 980 |
| Efficiency ratio | 54.2262% | 4,668 |
| Assets per employee ($millions) | 8.1406% | 598 |
| Cash dividends to net income (ytd only)* | 48.5268% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 4,840 |
| Loan loss allowance to noncurrent loans | 220.9895% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 3,499 |
| Noncurrent loans to loans | 0.3359% | 3,493 |
| Net loans and leases to total assets | 73.8646% | 1,962 |
| Net loans and leases to deposits | 105.2643% | 469 |
| Net loans and leases to core deposits | 125.5474% | 422 |
| Total domestic deposits to total assets | 70.1707% | 5,273 |
| Equity capital to assets | 9.2962% | 4,282 |
| Core capital (leverage) ratio | 8.8041% | 4,875 |
| Tier 1 risk-based capital ratio | 11.7461% | 4,656 |
| Total risk-based capital ratio | 12.5139% | 4,813 |
| Memoranda: | ||
| Average total assets | $4,611,581,670 | 237 |
| Average earning assets | $4,259,581,670 | 231 |
| Average equity | $435,316,330 | 265 |
| Average total loans | $3,444,579,670 | 225 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,959 |
| Cost of funding earning assets | 0.8446% | 785 |
| Net interest margin | 3.0455% | 4,805 |
| Noninterest income to average assets | 1.3827% | 483 |
| Noninterest expense to average assets | 2.3662% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4525% | 1,189 |
| Return on assets (ROA) | 1.4525% | 1,194 |
| Pretax return on assets | 1.8338% | 849 |
| Return on Equity (ROE) | 15.2669% | 760 |
| Retained earnings to average equity (ytd only) | 7.4148% | 2,093 |
| Net charge-offs to loans | 0.0733% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 33.4167% | 1,177 |
| Efficiency ratio | 55.8189% | 4,606 |
| Assets per employee ($millions) | 7.7933% | 684 |
| Cash dividends to net income (ytd only)* | 51.4319% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 4,897 |
| Loan loss allowance to noncurrent loans | 243.1970% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,632 |
| Noncurrent loans to loans | 0.3122% | 3,654 |
| Net loans and leases to total assets | 74.0351% | 1,850 |
| Net loans and leases to deposits | 103.7600% | 488 |
| Net loans and leases to core deposits | 143.0945% | 182 |
| Total domestic deposits to total assets | 71.3523% | 5,317 |
| Equity capital to assets | 9.4704% | 4,119 |
| Core capital (leverage) ratio | 8.7775% | 4,919 |
| Tier 1 risk-based capital ratio | 11.7027% | 4,738 |
| Total risk-based capital ratio | 12.4775% | 4,914 |
| Memoranda: | ||
| Average total assets | $4,548,445,000 | 238 |
| Average earning assets | $4,207,551,000 | 233 |
| Average equity | $432,754,000 | 267 |
| Average total loans | $3,403,982,500 | 225 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,198 |
| Cost of funding earning assets | 0.8172% | 564 |
| Net interest margin | 2.9392% | 4,988 |
| Noninterest income to average assets | 1.4481% | 505 |
| Noninterest expense to average assets | 2.3386% | 4,231 |
| Loan and lease loss provision to assets | 0.0587% | 3,059 |
| Net operating income to assets | 1.0408% | 2,090 |
| Return on assets (ROA) | 1.0408% | 2,120 |
| Pretax return on assets | 1.7637% | 868 |
| Return on Equity (ROE) | 10.8432% | 1,540 |
| Retained earnings to average equity (ytd only) | 4.2798% | 2,594 |
| Net charge-offs to loans | 0.0641% | 2,559 |
| Credit loss provision to net charge-offs | 122.8733% | 2,127 |
| Earnings coverage of net charge-offs (x) | 38.1408% | 1,304 |
| Efficiency ratio | 55.6418% | 4,798 |
| Assets per employee ($millions) | 7.6780% | 708 |
| Cash dividends to net income (ytd only)* | 60.5298% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 4,886 |
| Loan loss allowance to noncurrent loans | 174.1371% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 3,509 |
| Noncurrent loans to loans | 0.4472% | 3,174 |
| Net loans and leases to total assets | 74.4925% | 1,836 |
| Net loans and leases to deposits | 103.9742% | 493 |
| Net loans and leases to core deposits | 144.6897% | 166 |
| Total domestic deposits to total assets | 71.6451% | 5,342 |
| Equity capital to assets | 9.5587% | 4,181 |
| Core capital (leverage) ratio | 8.7399% | 4,915 |
| Tier 1 risk-based capital ratio | 11.5762% | 4,805 |
| Total risk-based capital ratio | 12.3766% | 4,960 |
| Memoranda: | ||
| Average total assets | $4,428,612,400 | 232 |
| Average earning assets | $4,087,659,400 | 229 |
| Average equity | $425,087,800 | 254 |
| Average total loans | $3,299,907,800 | 223 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,220 |
| Cost of funding earning assets | 0.8106% | 538 |
| Net interest margin | 2.9264% | 5,057 |
| Noninterest income to average assets | 1.4632% | 503 |
| Noninterest expense to average assets | 2.3616% | 4,116 |
| Loan and lease loss provision to assets | 0.0727% | 2,619 |
| Net operating income to assets | 1.1599% | 1,843 |
| Return on assets (ROA) | 1.1599% | 1,889 |
| Pretax return on assets | 1.7264% | 1,056 |
| Return on Equity (ROE) | 12.0713% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.7280% | 2,413 |
| Net charge-offs to loans | 0.0446% | 2,544 |
| Credit loss provision to net charge-offs | 218.9781% | 1,263 |
| Earnings coverage of net charge-offs (x) | 54.2116% | 1,064 |
| Efficiency ratio | 56.1867% | 4,719 |
| Assets per employee ($millions) | 7.6266% | 723 |
| Cash dividends to net income (ytd only)* | 52.5491% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,854 |
| Loan loss allowance to noncurrent loans | 147.5231% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 3,284 |
| Noncurrent loans to loans | 0.5523% | 3,040 |
| Net loans and leases to total assets | 74.3812% | 1,859 |
| Net loans and leases to deposits | 105.2072% | 447 |
| Net loans and leases to core deposits | 144.1648% | 163 |
| Total domestic deposits to total assets | 70.6998% | 5,453 |
| Equity capital to assets | 9.7378% | 4,215 |
| Core capital (leverage) ratio | 8.8024% | 4,964 |
| Tier 1 risk-based capital ratio | 11.6580% | 4,850 |
| Total risk-based capital ratio | 12.4978% | 5,006 |
| Memoranda: | ||
| Average total assets | $4,403,260,000 | 230 |
| Average earning assets | $4,058,839,000 | 230 |
| Average equity | $423,107,500 | 254 |
| Average total loans | $3,274,631,250 | 225 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,208 |
| Cost of funding earning assets | 0.7984% | 529 |
| Net interest margin | 2.9098% | 5,078 |
| Noninterest income to average assets | 1.4194% | 539 |
| Noninterest expense to average assets | 2.3442% | 4,231 |
| Loan and lease loss provision to assets | 0.0502% | 2,983 |
| Net operating income to assets | 1.1505% | 1,775 |
| Return on assets (ROA) | 1.1505% | 1,829 |
| Pretax return on assets | 1.7122% | 1,028 |
| Return on Equity (ROE) | 12.0279% | 1,294 |
| Retained earnings to average equity (ytd only) | 5.7493% | 2,262 |
| Net charge-offs to loans | 0.0272% | 2,669 |
| Credit loss provision to net charge-offs | 248.8688% | 1,084 |
| Earnings coverage of net charge-offs (x) | 87.3507% | 718 |
| Efficiency ratio | 56.4899% | 4,766 |
| Assets per employee ($millions) | 7.4415% | 762 |
| Cash dividends to net income (ytd only)* | 52.2001% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 4,883 |
| Loan loss allowance to noncurrent loans | 132.0032% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 3,115 |
| Noncurrent loans to loans | 0.6248% | 2,860 |
| Net loans and leases to total assets | 73.2752% | 1,992 |
| Net loans and leases to deposits | 106.0390% | 396 |
| Net loans and leases to core deposits | 144.9217% | 152 |
| Total domestic deposits to total assets | 69.1021% | 5,567 |
| Equity capital to assets | 9.7608% | 4,165 |
| Core capital (leverage) ratio | 8.7596% | 4,994 |
| Tier 1 risk-based capital ratio | 11.8910% | 4,706 |
| Total risk-based capital ratio | 12.7435% | 4,854 |
| Memoranda: | ||
| Average total assets | $4,381,276,670 | 233 |
| Average earning assets | $4,046,293,670 | 230 |
| Average equity | $419,076,330 | 256 |
| Average total loans | $3,248,987,670 | 227 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,310 |
| Cost of funding earning assets | 0.7964% | 497 |
| Net interest margin | 2.8411% | 5,184 |
| Noninterest income to average assets | 1.3088% | 596 |
| Noninterest expense to average assets | 2.3076% | 4,389 |
| Loan and lease loss provision to assets | 0.0365% | 3,067 |
| Net operating income to assets | 1.0741% | 1,963 |
| Return on assets (ROA) | 1.0741% | 2,011 |
| Pretax return on assets | 1.5939% | 1,254 |
| Return on Equity (ROE) | 11.3446% | 1,450 |
| Retained earnings to average equity (ytd only) | 5.1828% | 2,793 |
| Net charge-offs to loans | -0.0052% | 4,195 |
| Credit loss provision to net charge-offs | -952.3810% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9561% | 4,719 |
| Assets per employee ($millions) | 7.5267% | 744 |
| Cash dividends to net income (ytd only)* | 54.3153% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 5,029 |
| Loan loss allowance to noncurrent loans | 119.5191% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 3,090 |
| Noncurrent loans to loans | 0.6808% | 2,808 |
| Net loans and leases to total assets | 73.4685% | 1,826 |
| Net loans and leases to deposits | 103.3837% | 429 |
| Net loans and leases to core deposits | 143.1286% | 147 |
| Total domestic deposits to total assets | 71.0639% | 5,593 |
| Equity capital to assets | 9.5358% | 4,250 |
| Core capital (leverage) ratio | 8.5579% | 5,185 |
| Tier 1 risk-based capital ratio | 11.5042% | 5,028 |
| Total risk-based capital ratio | 12.3374% | 5,166 |
| Memoranda: | ||
| Average total assets | $4,384,120,500 | 235 |
| Average earning assets | $4,057,166,000 | 229 |
| Average equity | $415,068,500 | 259 |
| Average total loans | $3,257,039,500 | 230 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,022 |
| Cost of funding earning assets | 0.7622% | 600 |
| Net interest margin | 2.9978% | 4,966 |
| Noninterest income to average assets | 1.6161% | 470 |
| Noninterest expense to average assets | 2.5244% | 3,944 |
| Loan and lease loss provision to assets | 0.1405% | 1,774 |
| Net operating income to assets | 1.1550% | 1,677 |
| Return on assets (ROA) | 1.1550% | 1,770 |
| Pretax return on assets | 1.7106% | 973 |
| Return on Equity (ROE) | 11.3932% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.3980% | 2,078 |
| Net charge-offs to loans | 0.2134% | 1,304 |
| Credit loss provision to net charge-offs | 84.1400% | 2,908 |
| Earnings coverage of net charge-offs (x) | 11.0859% | 2,569 |
| Efficiency ratio | 56.9638% | 4,956 |
| Assets per employee ($millions) | 7.6577% | 691 |
| Cash dividends to net income (ytd only)* | 52.6212% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 5,116 |
| Loan loss allowance to noncurrent loans | 117.8892% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,158 |
| Noncurrent loans to loans | 0.6758% | 2,839 |
| Net loans and leases to total assets | 73.9190% | 1,863 |
| Net loans and leases to deposits | 105.6068% | 361 |
| Net loans and leases to core deposits | 147.3854% | 130 |
| Total domestic deposits to total assets | 69.9946% | 5,665 |
| Equity capital to assets | 9.3992% | 4,374 |
| Core capital (leverage) ratio | 8.6472% | 5,123 |
| Tier 1 risk-based capital ratio | 11.4057% | 5,109 |
| Total risk-based capital ratio | 12.2279% | 5,247 |
| Memoranda: | ||
| Average total assets | $4,021,441,200 | 232 |
| Average earning assets | $3,701,620,000 | 232 |
| Average equity | $407,691,200 | 253 |
| Average total loans | $3,146,265,800 | 224 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 3,952 |
| Cost of funding earning assets | 0.7539% | 622 |
| Net interest margin | 3.0349% | 4,938 |
| Noninterest income to average assets | 1.6180% | 470 |
| Noninterest expense to average assets | 2.5993% | 3,662 |
| Loan and lease loss provision to assets | 0.0933% | 2,358 |
| Net operating income to assets | 1.1586% | 1,774 |
| Return on assets (ROA) | 1.1586% | 1,875 |
| Pretax return on assets | 1.7145% | 1,075 |
| Return on Equity (ROE) | 11.2011% | 1,594 |
| Retained earnings to average equity (ytd only) | 5.3252% | 2,604 |
| Net charge-offs to loans | 0.1784% | 1,305 |
| Credit loss provision to net charge-offs | 65.9472% | 2,846 |
| Earnings coverage of net charge-offs (x) | 12.7839% | 2,359 |
| Efficiency ratio | 58.2368% | 4,782 |
| Assets per employee ($millions) | 7.3876% | 761 |
| Cash dividends to net income (ytd only)* | 52.4586% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 5,199 |
| Loan loss allowance to noncurrent loans | 107.0939% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 3,130 |
| Noncurrent loans to loans | 0.7423% | 2,812 |
| Net loans and leases to total assets | 76.1471% | 1,503 |
| Net loans and leases to deposits | 105.2995% | 400 |
| Net loans and leases to core deposits | 146.7369% | 147 |
| Total domestic deposits to total assets | 72.3148% | 5,579 |
| Equity capital to assets | 9.9195% | 4,219 |
| Core capital (leverage) ratio | 8.9404% | 4,894 |
| Tier 1 risk-based capital ratio | 11.4684% | 5,108 |
| Total risk-based capital ratio | 12.2991% | 5,256 |
| Memoranda: | ||
| Average total assets | $3,931,751,250 | 234 |
| Average earning assets | $3,613,210,500 | 234 |
| Average equity | $406,688,250 | 254 |
| Average total loans | $3,116,881,000 | 224 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 3,781 |
| Cost of funding earning assets | 0.7474% | 641 |
| Net interest margin | 3.1011% | 4,829 |
| Noninterest income to average assets | 1.5875% | 483 |
| Noninterest expense to average assets | 2.6626% | 3,512 |
| Loan and lease loss provision to assets | 0.0495% | 3,161 |
| Net operating income to assets | 1.1625% | 1,726 |
| Return on assets (ROA) | 1.1625% | 1,834 |
| Pretax return on assets | 1.7257% | 1,036 |
| Return on Equity (ROE) | 11.0732% | 1,611 |
| Retained earnings to average equity (ytd only) | 5.1346% | 2,639 |
| Net charge-offs to loans | 0.1424% | 1,472 |
| Credit loss provision to net charge-offs | 43.3197% | 2,741 |
| Earnings coverage of net charge-offs (x) | 15.5467% | 1,988 |
| Efficiency ratio | 59.2414% | 4,742 |
| Assets per employee ($millions) | 6.7634% | 969 |
| Cash dividends to net income (ytd only)* | 53.6301% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 5,201 |
| Loan loss allowance to noncurrent loans | 149.7333% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 3,613 |
| Noncurrent loans to loans | 0.5529% | 3,406 |
| Net loans and leases to total assets | 78.9992% | 1,068 |
| Net loans and leases to deposits | 110.8296% | 233 |
| Net loans and leases to core deposits | 146.8922% | 138 |
| Total domestic deposits to total assets | 71.2799% | 5,712 |
| Equity capital to assets | 10.4784% | 3,662 |
| Core capital (leverage) ratio | 9.2158% | 4,571 |
| Tier 1 risk-based capital ratio | 11.5732% | 5,104 |
| Total risk-based capital ratio | 12.4334% | 5,241 |
| Memoranda: | ||
| Average total assets | $3,841,157,330 | 242 |
| Average earning assets | $3,530,485,330 | 242 |
| Average equity | $403,261,330 | 256 |
| Average total loans | $3,080,335,670 | 226 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 3,530 |
| Cost of funding earning assets | 0.7332% | 682 |
| Net interest margin | 3.1822% | 4,635 |
| Noninterest income to average assets | 1.5366% | 487 |
| Noninterest expense to average assets | 2.6586% | 3,547 |
| Loan and lease loss provision to assets | 0.0526% | 2,885 |
| Net operating income to assets | 1.1677% | 1,652 |
| Return on assets (ROA) | 1.1677% | 1,759 |
| Pretax return on assets | 1.7537% | 934 |
| Return on Equity (ROE) | 11.1117% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.2766% | 2,777 |
| Net charge-offs to loans | 0.1871% | 1,043 |
| Credit loss provision to net charge-offs | 34.9162% | 2,181 |
| Earnings coverage of net charge-offs (x) | 11.9951% | 1,824 |
| Efficiency ratio | 58.7838% | 4,904 |
| Assets per employee ($millions) | 6.8030% | 964 |
| Cash dividends to net income (ytd only)* | 52.5126% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 5,220 |
| Loan loss allowance to noncurrent loans | 149.9971% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 3,645 |
| Noncurrent loans to loans | 0.5676% | 3,488 |
| Net loans and leases to total assets | 79.3282% | 906 |
| Net loans and leases to deposits | 105.6052% | 358 |
| Net loans and leases to core deposits | 146.0579% | 128 |
| Total domestic deposits to total assets | 75.1176% | 5,512 |
| Equity capital to assets | 10.5015% | 3,496 |
| Core capital (leverage) ratio | 9.3058% | 4,485 |
| Tier 1 risk-based capital ratio | 11.5553% | 5,199 |
| Total risk-based capital ratio | 12.4398% | 5,310 |
| Memoranda: | ||
| Average total assets | $3,803,735,000 | 244 |
| Average earning assets | $3,500,334,000 | 243 |
| Average equity | $399,724,000 | 258 |
| Average total loans | $3,060,784,500 | 224 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,823 |
| Cost of funding earning assets | 0.7494% | 641 |
| Net interest margin | 3.1176% | 4,859 |
| Noninterest income to average assets | 1.5861% | 505 |
| Noninterest expense to average assets | 2.6264% | 3,830 |
| Loan and lease loss provision to assets | 0.0287% | 3,796 |
| Net operating income to assets | 1.2155% | 1,497 |
| Return on assets (ROA) | 1.2155% | 1,565 |
| Pretax return on assets | 1.8004% | 809 |
| Return on Equity (ROE) | 11.6901% | 1,383 |
| Retained earnings to average equity (ytd only) | 5.5576% | 2,047 |
| Net charge-offs to loans | 0.0676% | 2,893 |
| Credit loss provision to net charge-offs | 52.3952% | 3,372 |
| Earnings coverage of net charge-offs (x) | 33.3518% | 1,347 |
| Efficiency ratio | 58.3921% | 5,100 |
| Assets per employee ($millions) | 6.6854% | 1,013 |
| Cash dividends to net income (ytd only)* | 52.4587% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 5,128 |
| Loan loss allowance to noncurrent loans | 128.6122% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 3,361 |
| Noncurrent loans to loans | 0.6897% | 3,125 |
| Net loans and leases to total assets | 80.2165% | 818 |
| Net loans and leases to deposits | 102.9562% | 491 |
| Net loans and leases to core deposits | 140.0112% | 164 |
| Total domestic deposits to total assets | 77.9133% | 5,184 |
| Equity capital to assets | 10.5161% | 3,343 |
| Core capital (leverage) ratio | 9.3551% | 4,389 |
| Tier 1 risk-based capital ratio | 11.6183% | 5,180 |
| Total risk-based capital ratio | 12.5533% | 5,267 |
| Memoranda: | ||
| Average total assets | $3,654,063,600 | 241 |
| Average earning assets | $3,363,179,600 | 236 |
| Average equity | $379,927,400 | 256 |
| Average total loans | $2,966,411,000 | 215 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 3,779 |
| Cost of funding earning assets | 0.7523% | 639 |
| Net interest margin | 3.1351% | 4,866 |
| Noninterest income to average assets | 1.5775% | 507 |
| Noninterest expense to average assets | 2.6325% | 3,763 |
| Loan and lease loss provision to assets | 0.0110% | 4,050 |
| Net operating income to assets | 1.2325% | 1,548 |
| Return on assets (ROA) | 1.2325% | 1,604 |
| Pretax return on assets | 1.8191% | 863 |
| Return on Equity (ROE) | 11.8889% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.4254% | 2,624 |
| Net charge-offs to loans | 0.0526% | 2,854 |
| Credit loss provision to net charge-offs | 25.8176% | 3,316 |
| Earnings coverage of net charge-offs (x) | 42.8194% | 1,172 |
| Efficiency ratio | 58.5202% | 5,061 |
| Assets per employee ($millions) | 6.3990% | 1,120 |
| Cash dividends to net income (ytd only)* | 54.3661% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 5,164 |
| Loan loss allowance to noncurrent loans | 161.2503% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 3,875 |
| Noncurrent loans to loans | 0.5649% | 3,648 |
| Net loans and leases to total assets | 80.4394% | 757 |
| Net loans and leases to deposits | 104.0610% | 442 |
| Net loans and leases to core deposits | 138.3990% | 184 |
| Total domestic deposits to total assets | 77.3002% | 5,298 |
| Equity capital to assets | 10.6545% | 3,406 |
| Core capital (leverage) ratio | 9.2335% | 4,688 |
| Tier 1 risk-based capital ratio | 11.7994% | 5,202 |
| Total risk-based capital ratio | 12.7707% | 5,286 |
| Memoranda: | ||
| Average total assets | $3,624,939,750 | 245 |
| Average earning assets | $3,335,939,000 | 242 |
| Average equity | $375,780,750 | 262 |
| Average total loans | $2,945,093,500 | 218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,752 |
| Cost of funding earning assets | 0.7428% | 674 |
| Net interest margin | 3.1415% | 4,852 |
| Noninterest income to average assets | 1.6118% | 499 |
| Noninterest expense to average assets | 2.6323% | 3,808 |
| Loan and lease loss provision to assets | 0.0055% | 3,991 |
| Net operating income to assets | 1.2701% | 1,400 |
| Return on assets (ROA) | 1.2701% | 1,462 |
| Pretax return on assets | 1.8675% | 792 |
| Return on Equity (ROE) | 12.3683% | 1,265 |
| Retained earnings to average equity (ytd only) | 6.4869% | 1,954 |
| Net charge-offs to loans | 0.0366% | 2,949 |
| Credit loss provision to net charge-offs | 18.6567% | 3,029 |
| Earnings coverage of net charge-offs (x) | 63.0560% | 816 |
| Efficiency ratio | 58.0434% | 5,218 |
| Assets per employee ($millions) | 6.4351% | 1,088 |
| Cash dividends to net income (ytd only)* | 47.5521% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 5,176 |
| Loan loss allowance to noncurrent loans | 182.3211% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 4,117 |
| Noncurrent loans to loans | 0.5102% | 3,927 |
| Net loans and leases to total assets | 80.6744% | 715 |
| Net loans and leases to deposits | 107.1732% | 330 |
| Net loans and leases to core deposits | 141.6736% | 156 |
| Total domestic deposits to total assets | 75.2748% | 5,677 |
| Equity capital to assets | 10.3492% | 3,620 |
| Core capital (leverage) ratio | 9.1959% | 4,698 |
| Tier 1 risk-based capital ratio | 11.6391% | 5,380 |
| Total risk-based capital ratio | 12.6336% | 5,460 |
| Memoranda: | ||
| Average total assets | $3,608,909,670 | 248 |
| Average earning assets | $3,324,005,670 | 245 |
| Average equity | $370,593,330 | 266 |
| Average total loans | $2,932,883,670 | 222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 3,713 |
| Cost of funding earning assets | 0.7421% | 684 |
| Net interest margin | 3.1349% | 4,837 |
| Noninterest income to average assets | 1.5505% | 512 |
| Noninterest expense to average assets | 2.5937% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2540% | 1,395 |
| Return on assets (ROA) | 1.2540% | 1,482 |
| Pretax return on assets | 1.8455% | 801 |
| Return on Equity (ROE) | 12.2607% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.2588% | 2,350 |
| Net charge-offs to loans | 0.0292% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 77.8122% | 605 |
| Efficiency ratio | 58.0380% | 5,332 |
| Assets per employee ($millions) | 6.4286% | 1,119 |
| Cash dividends to net income (ytd only)* | 48.9522% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 5,249 |
| Loan loss allowance to noncurrent loans | 175.2915% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 4,112 |
| Noncurrent loans to loans | 0.5419% | 3,963 |
| Net loans and leases to total assets | 80.5522% | 629 |
| Net loans and leases to deposits | 104.0753% | 365 |
| Net loans and leases to core deposits | 140.5584% | 152 |
| Total domestic deposits to total assets | 77.3979% | 5,550 |
| Equity capital to assets | 10.3078% | 3,768 |
| Core capital (leverage) ratio | 9.0815% | 4,864 |
| Tier 1 risk-based capital ratio | 11.6093% | 5,491 |
| Total risk-based capital ratio | 12.6320% | 5,530 |
| Memoranda: | ||
| Average total assets | $3,592,225,500 | 246 |
| Average earning assets | $3,310,260,500 | 243 |
| Average equity | $367,417,500 | 267 |
| Average total loans | $2,916,339,000 | 220 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,561 |
| Cost of funding earning assets | 0.7581% | 805 |
| Net interest margin | 3.2816% | 4,651 |
| Noninterest income to average assets | 1.7580% | 411 |
| Noninterest expense to average assets | 2.8866% | 3,187 |
| Loan and lease loss provision to assets | 0.0554% | 3,441 |
| Net operating income to assets | 1.2452% | 1,450 |
| Return on assets (ROA) | 1.2452% | 1,507 |
| Pretax return on assets | 1.8260% | 754 |
| Return on Equity (ROE) | 11.6055% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.0851% | 1,868 |
| Net charge-offs to loans | 0.0650% | 3,556 |
| Credit loss provision to net charge-offs | 107.9977% | 2,212 |
| Earnings coverage of net charge-offs (x) | 36.6591% | 1,159 |
| Efficiency ratio | 60.1366% | 5,205 |
| Assets per employee ($millions) | 6.1694% | 1,264 |
| Cash dividends to net income (ytd only)* | 47.5676% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 5,220 |
| Loan loss allowance to noncurrent loans | 175.7479% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 4,207 |
| Noncurrent loans to loans | 0.5489% | 4,016 |
| Net loans and leases to total assets | 80.2624% | 710 |
| Net loans and leases to deposits | 104.3192% | 424 |
| Net loans and leases to core deposits | 141.8868% | 153 |
| Total domestic deposits to total assets | 76.9392% | 5,609 |
| Equity capital to assets | 10.1481% | 3,927 |
| Core capital (leverage) ratio | 9.0142% | 4,977 |
| Tier 1 risk-based capital ratio | 11.3535% | 5,739 |
| Total risk-based capital ratio | 12.3891% | 5,785 |
| Memoranda: | ||
| Average total assets | $3,337,806,800 | 250 |
| Average earning assets | $3,061,598,400 | 245 |
| Average equity | $358,139,200 | 261 |
| Average total loans | $2,636,310,400 | 221 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,563 |
| Cost of funding earning assets | 0.7627% | 833 |
| Net interest margin | 3.2865% | 4,655 |
| Noninterest income to average assets | 1.8336% | 398 |
| Noninterest expense to average assets | 2.9865% | 2,846 |
| Loan and lease loss provision to assets | 0.0549% | 3,276 |
| Net operating income to assets | 1.2291% | 1,585 |
| Return on assets (ROA) | 1.2291% | 1,645 |
| Pretax return on assets | 1.8022% | 892 |
| Return on Equity (ROE) | 11.2872% | 1,691 |
| Retained earnings to average equity (ytd only) | 5.8043% | 2,535 |
| Net charge-offs to loans | 0.0762% | 3,112 |
| Credit loss provision to net charge-offs | 91.9619% | 2,397 |
| Earnings coverage of net charge-offs (x) | 31.0859% | 1,340 |
| Efficiency ratio | 61.2470% | 4,998 |
| Assets per employee ($millions) | 6.0306% | 1,317 |
| Cash dividends to net income (ytd only)* | 48.5762% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 5,101 |
| Loan loss allowance to noncurrent loans | 163.6782% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 4,299 |
| Noncurrent loans to loans | 0.6261% | 4,047 |
| Net loans and leases to total assets | 78.5671% | 887 |
| Net loans and leases to deposits | 97.8021% | 747 |
| Net loans and leases to core deposits | 127.7395% | 259 |
| Total domestic deposits to total assets | 80.3327% | 5,001 |
| Equity capital to assets | 10.7295% | 3,256 |
| Core capital (leverage) ratio | 9.2198% | 4,752 |
| Tier 1 risk-based capital ratio | 11.9781% | 5,501 |
| Total risk-based capital ratio | 13.0855% | 5,515 |
| Memoranda: | ||
| Average total assets | $3,276,152,250 | 250 |
| Average earning assets | $3,000,644,000 | 246 |
| Average equity | $356,736,500 | 255 |
| Average total loans | $2,569,145,750 | 221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,787 |
| Cost of funding earning assets | 0.6833% | 1,289 |
| Net interest margin | 3.3019% | 4,579 |
| Noninterest income to average assets | 1.9833% | 352 |
| Noninterest expense to average assets | 3.1850% | 2,238 |
| Loan and lease loss provision to assets | 0.0464% | 3,381 |
| Net operating income to assets | 1.2075% | 1,562 |
| Return on assets (ROA) | 1.2075% | 1,625 |
| Pretax return on assets | 1.7722% | 892 |
| Return on Equity (ROE) | 11.0326% | 1,733 |
| Retained earnings to average equity (ytd only) | 5.4744% | 2,647 |
| Net charge-offs to loans | 0.1084% | 2,587 |
| Credit loss provision to net charge-offs | 54.8647% | 2,715 |
| Earnings coverage of net charge-offs (x) | 21.4887% | 1,540 |
| Efficiency ratio | 63.2475% | 4,810 |
| Assets per employee ($millions) | 5.8878% | 1,359 |
| Cash dividends to net income (ytd only)* | 50.3794% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,131 |
| Loan loss allowance to noncurrent loans | 217.5429% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 4,755 |
| Noncurrent loans to loans | 0.4815% | 4,553 |
| Net loans and leases to total assets | 77.7198% | 944 |
| Net loans and leases to deposits | 99.5133% | 582 |
| Net loans and leases to core deposits | 129.4504% | 235 |
| Total domestic deposits to total assets | 78.1000% | 5,615 |
| Equity capital to assets | 10.8819% | 2,998 |
| Core capital (leverage) ratio | 9.4718% | 4,368 |
| Tier 1 risk-based capital ratio | 12.0436% | 5,519 |
| Total risk-based capital ratio | 13.1612% | 5,514 |
| Memoranda: | ||
| Average total assets | $3,230,426,670 | 252 |
| Average earning assets | $2,954,973,670 | 247 |
| Average equity | $353,570,670 | 253 |
| Average total loans | $2,522,354,330 | 224 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,628 |
| Cost of funding earning assets | 0.7144% | 1,161 |
| Net interest margin | 3.2994% | 4,537 |
| Noninterest income to average assets | 2.4253% | 251 |
| Noninterest expense to average assets | 3.6552% | 1,201 |
| Loan and lease loss provision to assets | 0.0376% | 3,306 |
| Net operating income to assets | 1.1964% | 1,495 |
| Return on assets (ROA) | 1.1964% | 1,566 |
| Pretax return on assets | 1.7531% | 873 |
| Return on Equity (ROE) | 10.8983% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.2469% | 2,965 |
| Net charge-offs to loans | 0.1842% | 1,618 |
| Credit loss provision to net charge-offs | 26.2467% | 2,436 |
| Earnings coverage of net charge-offs (x) | 12.4873% | 1,716 |
| Efficiency ratio | 66.7404% | 4,411 |
| Assets per employee ($millions) | 5.8339% | 1,424 |
| Cash dividends to net income (ytd only)* | 51.8561% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,171 |
| Loan loss allowance to noncurrent loans | 199.2265% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 4,787 |
| Noncurrent loans to loans | 0.5454% | 4,532 |
| Net loans and leases to total assets | 77.1499% | 863 |
| Net loans and leases to deposits | 94.9099% | 723 |
| Net loans and leases to core deposits | 123.1504% | 274 |
| Total domestic deposits to total assets | 81.2876% | 5,154 |
| Equity capital to assets | 11.0591% | 2,670 |
| Core capital (leverage) ratio | 9.3992% | 4,422 |
| Tier 1 risk-based capital ratio | 12.2026% | 5,504 |
| Total risk-based capital ratio | 13.3484% | 5,510 |
| Memoranda: | ||
| Average total assets | $3,188,237,000 | 252 |
| Average earning assets | $2,918,830,000 | 247 |
| Average equity | $349,999,000 | 254 |
| Average total loans | $2,481,766,000 | 226 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 3,621 |
| Cost of funding earning assets | 0.8193% | 1,095 |
| Net interest margin | 3.3110% | 4,623 |
| Noninterest income to average assets | 2.1030% | 366 |
| Noninterest expense to average assets | 3.1879% | 2,451 |
| Loan and lease loss provision to assets | 0.0775% | 3,559 |
| Net operating income to assets | 1.2680% | 1,339 |
| Return on assets (ROA) | 1.1903% | 1,678 |
| Pretax return on assets | 1.7358% | 883 |
| Return on Equity (ROE) | 11.1013% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.8300% | 3,480 |
| Net charge-offs to loans | 0.2254% | 2,656 |
| Credit loss provision to net charge-offs | 44.5517% | 3,949 |
| Earnings coverage of net charge-offs (x) | 11.0748% | 2,280 |
| Efficiency ratio | 61.9102% | 5,230 |
| Assets per employee ($millions) | 5.9317% | 1,315 |
| Cash dividends to net income (ytd only)* | 65.4996% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,018 |
| Loan loss allowance to noncurrent loans | 152.3659% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 4,377 |
| Noncurrent loans to loans | 0.7396% | 4,108 |
| Net loans and leases to total assets | 76.8095% | 975 |
| Net loans and leases to deposits | 97.5744% | 616 |
| Net loans and leases to core deposits | 122.7371% | 293 |
| Total domestic deposits to total assets | 78.7190% | 5,706 |
| Equity capital to assets | 10.8964% | 2,710 |
| Core capital (leverage) ratio | 9.2618% | 4,615 |
| Tier 1 risk-based capital ratio | 11.9185% | 5,661 |
| Total risk-based capital ratio | 13.0924% | 5,646 |
| Memoranda: | ||
| Average total assets | $3,097,773,400 | 247 |
| Average earning assets | $2,816,877,400 | 242 |
| Average equity | $332,141,200 | 253 |
| Average total loans | $2,390,452,600 | 217 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 3,542 |
| Cost of funding earning assets | 0.8350% | 1,122 |
| Net interest margin | 3.3211% | 4,567 |
| Noninterest income to average assets | 2.1407% | 374 |
| Noninterest expense to average assets | 3.2206% | 2,302 |
| Loan and lease loss provision to assets | 0.0867% | 3,328 |
| Net operating income to assets | 1.2623% | 1,449 |
| Return on assets (ROA) | 1.1806% | 1,772 |
| Pretax return on assets | 1.7261% | 1,044 |
| Return on Equity (ROE) | 11.0572% | 1,798 |
| Retained earnings to average equity (ytd only) | 3.1221% | 4,452 |
| Net charge-offs to loans | 0.2738% | 2,180 |
| Credit loss provision to net charge-offs | 41.1100% | 3,689 |
| Earnings coverage of net charge-offs (x) | 9.1661% | 2,515 |
| Efficiency ratio | 62.0585% | 5,130 |
| Assets per employee ($millions) | 5.7327% | 1,418 |
| Cash dividends to net income (ytd only)* | 71.7643% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 4,944 |
| Loan loss allowance to noncurrent loans | 143.6087% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 4,471 |
| Noncurrent loans to loans | 0.8240% | 4,187 |
| Net loans and leases to total assets | 74.7227% | 1,172 |
| Net loans and leases to deposits | 95.0584% | 758 |
| Net loans and leases to core deposits | 120.1228% | 322 |
| Total domestic deposits to total assets | 78.6072% | 5,812 |
| Equity capital to assets | 10.9168% | 2,842 |
| Core capital (leverage) ratio | 9.2721% | 4,725 |
| Tier 1 risk-based capital ratio | 12.0919% | 5,727 |
| Total risk-based capital ratio | 13.3120% | 5,677 |
| Memoranda: | ||
| Average total assets | $3,075,885,250 | 245 |
| Average earning assets | $2,790,378,750 | 241 |
| Average equity | $328,405,000 | 255 |
| Average total loans | $2,369,435,750 | 212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 3,513 |
| Cost of funding earning assets | 0.8454% | 1,166 |
| Net interest margin | 3.3107% | 4,533 |
| Noninterest income to average assets | 2.0995% | 416 |
| Noninterest expense to average assets | 3.1968% | 2,362 |
| Loan and lease loss provision to assets | 0.0850% | 3,380 |
| Net operating income to assets | 1.2423% | 1,479 |
| Return on assets (ROA) | 1.1190% | 1,982 |
| Pretax return on assets | 1.6369% | 1,261 |
| Return on Equity (ROE) | 10.5620% | 1,989 |
| Retained earnings to average equity (ytd only) | -1.1624% | 6,072 |
| Net charge-offs to loans | 0.3619% | 1,756 |
| Credit loss provision to net charge-offs | 30.3101% | 3,584 |
| Earnings coverage of net charge-offs (x) | 6.7846% | 2,656 |
| Efficiency ratio | 62.2379% | 5,140 |
| Assets per employee ($millions) | 5.4404% | 1,643 |
| Cash dividends to net income (ytd only)* | 111.0059% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,214 |
| Loan loss allowance to noncurrent loans | 124.1717% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 4,251 |
| Noncurrent loans to loans | 0.9303% | 4,064 |
| Net loans and leases to total assets | 78.0372% | 740 |
| Net loans and leases to deposits | 103.4244% | 283 |
| Net loans and leases to core deposits | 129.7640% | 190 |
| Total domestic deposits to total assets | 75.4534% | 6,315 |
| Equity capital to assets | 10.4714% | 3,341 |
| Core capital (leverage) ratio | 9.1400% | 4,771 |
| Tier 1 risk-based capital ratio | 11.6107% | 6,052 |
| Total risk-based capital ratio | 12.8204% | 6,030 |
| Memoranda: | ||
| Average total assets | $3,057,828,330 | 243 |
| Average earning assets | $2,771,393,000 | 243 |
| Average equity | $323,972,670 | 259 |
| Average total loans | $2,370,290,670 | 212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,495 |
| Cost of funding earning assets | 0.8564% | 1,225 |
| Net interest margin | 3.2976% | 4,527 |
| Noninterest income to average assets | 2.0759% | 412 |
| Noninterest expense to average assets | 3.1469% | 2,523 |
| Loan and lease loss provision to assets | 0.0785% | 3,328 |
| Net operating income to assets | 1.2556% | 1,387 |
| Return on assets (ROA) | 1.0090% | 2,301 |
| Pretax return on assets | 1.4776% | 1,623 |
| Return on Equity (ROE) | 9.4686% | 2,284 |
| Retained earnings to average equity (ytd only) | 4.1071% | 3,753 |
| Net charge-offs to loans | 0.0569% | 3,258 |
| Credit loss provision to net charge-offs | 179.6407% | 1,186 |
| Earnings coverage of net charge-offs (x) | 43.9162% | 734 |
| Efficiency ratio | 61.6769% | 5,350 |
| Assets per employee ($millions) | 5.4226% | 1,740 |
| Cash dividends to net income (ytd only)* | 56.6243% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,583 |
| Loan loss allowance to noncurrent loans | 121.2814% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 4,047 |
| Noncurrent loans to loans | 1.0912% | 3,963 |
| Net loans and leases to total assets | 76.1874% | 816 |
| Net loans and leases to deposits | 100.0087% | 350 |
| Net loans and leases to core deposits | 126.8890% | 199 |
| Total domestic deposits to total assets | 76.1807% | 6,348 |
| Equity capital to assets | 10.7769% | 3,222 |
| Core capital (leverage) ratio | 9.3543% | 4,315 |
| Tier 1 risk-based capital ratio | 12.0175% | 5,905 |
| Total risk-based capital ratio | 13.2691% | 5,862 |
| Memoranda: | ||
| Average total assets | $3,057,993,500 | 247 |
| Average earning assets | $2,772,461,000 | 246 |
| Average equity | $325,877,000 | 262 |
| Average total loans | $2,348,501,500 | 216 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,866 |
| Cost of funding earning assets | 1.0436% | 1,149 |
| Net interest margin | 3.3437% | 5,098 |
| Noninterest income to average assets | 2.0796% | 408 |
| Noninterest expense to average assets | 3.3407% | 2,221 |
| Loan and lease loss provision to assets | 0.0886% | 4,584 |
| Net operating income to assets | 1.1557% | 1,753 |
| Return on assets (ROA) | 1.1784% | 1,835 |
| Pretax return on assets | 1.7113% | 1,107 |
| Return on Equity (ROE) | 11.2454% | 1,730 |
| Retained earnings to average equity (ytd only) | 6.2461% | 1,952 |
| Net charge-offs to loans | 0.0726% | 4,959 |
| Credit loss provision to net charge-offs | 165.7459% | 1,609 |
| Earnings coverage of net charge-offs (x) | 33.0497% | 943 |
| Efficiency ratio | 64.9384% | 4,715 |
| Assets per employee ($millions) | 5.4023% | 1,779 |
| Cash dividends to net income (ytd only)* | 44.4562% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,540 |
| Loan loss allowance to noncurrent loans | 136.9516% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 4,399 |
| Noncurrent loans to loans | 0.9617% | 4,276 |
| Net loans and leases to total assets | 75.3851% | 1,004 |
| Net loans and leases to deposits | 99.9485% | 416 |
| Net loans and leases to core deposits | 126.5425% | 215 |
| Total domestic deposits to total assets | 75.4239% | 6,413 |
| Equity capital to assets | 10.5371% | 3,485 |
| Core capital (leverage) ratio | 9.1375% | 4,680 |
| Tier 1 risk-based capital ratio | 11.7953% | 5,910 |
| Total risk-based capital ratio | 13.0466% | 5,877 |
| Memoranda: | ||
| Average total assets | $3,046,865,200 | 241 |
| Average earning assets | $2,759,295,800 | 242 |
| Average equity | $319,285,000 | 262 |
| Average total loans | $2,242,595,600 | 216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 4,033 |
| Cost of funding earning assets | 1.0776% | 1,157 |
| Net interest margin | 3.3257% | 5,293 |
| Noninterest income to average assets | 2.0407% | 410 |
| Noninterest expense to average assets | 3.2532% | 2,412 |
| Loan and lease loss provision to assets | 0.0921% | 4,445 |
| Net operating income to assets | 1.1736% | 1,818 |
| Return on assets (ROA) | 1.1763% | 2,004 |
| Pretax return on assets | 1.7113% | 1,238 |
| Return on Equity (ROE) | 11.2412% | 1,872 |
| Retained earnings to average equity (ytd only) | 6.3126% | 2,476 |
| Net charge-offs to loans | 0.0692% | 4,724 |
| Credit loss provision to net charge-offs | 182.6087% | 1,526 |
| Earnings coverage of net charge-offs (x) | 35.6929% | 955 |
| Efficiency ratio | 63.9062% | 4,819 |
| Assets per employee ($millions) | 5.4565% | 1,680 |
| Cash dividends to net income (ytd only)* | 43.8436% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 4,623 |
| Loan loss allowance to noncurrent loans | 173.2800% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 4,949 |
| Noncurrent loans to loans | 0.7743% | 4,861 |
| Net loans and leases to total assets | 74.2712% | 1,212 |
| Net loans and leases to deposits | 101.1080% | 393 |
| Net loans and leases to core deposits | 125.2207% | 235 |
| Total domestic deposits to total assets | 73.4573% | 6,643 |
| Equity capital to assets | 10.7187% | 3,590 |
| Core capital (leverage) ratio | 8.9553% | 5,129 |
| Tier 1 risk-based capital ratio | 11.7216% | 6,102 |
| Total risk-based capital ratio | 12.9731% | 6,083 |
| Memoranda: | ||
| Average total assets | $3,041,458,000 | 243 |
| Average earning assets | $2,754,536,750 | 242 |
| Average equity | $318,273,750 | 264 |
| Average total loans | $2,217,229,750 | 220 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 4,140 |
| Cost of funding earning assets | 1.1000% | 1,221 |
| Net interest margin | 3.3114% | 5,410 |
| Noninterest income to average assets | 1.9614% | 419 |
| Noninterest expense to average assets | 3.1643% | 2,711 |
| Loan and lease loss provision to assets | 0.0987% | 4,298 |
| Net operating income to assets | 1.1591% | 1,854 |
| Return on assets (ROA) | 1.1631% | 2,038 |
| Pretax return on assets | 1.7026% | 1,248 |
| Return on Equity (ROE) | 11.2054% | 1,916 |
| Retained earnings to average equity (ytd only) | 6.4142% | 2,434 |
| Net charge-offs to loans | 0.0779% | 4,368 |
| Credit loss provision to net charge-offs | 175.6440% | 1,605 |
| Earnings coverage of net charge-offs (x) | 31.9578% | 1,029 |
| Efficiency ratio | 63.3066% | 5,022 |
| Assets per employee ($millions) | 5.5220% | 1,598 |
| Cash dividends to net income (ytd only)* | 42.7578% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,609 |
| Loan loss allowance to noncurrent loans | 193.4189% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 5,220 |
| Noncurrent loans to loans | 0.7036% | 5,102 |
| Net loans and leases to total assets | 72.6659% | 1,452 |
| Net loans and leases to deposits | 103.5055% | 289 |
| Net loans and leases to core deposits | 128.2412% | 223 |
| Total domestic deposits to total assets | 70.2049% | 6,897 |
| Equity capital to assets | 10.5657% | 3,607 |
| Core capital (leverage) ratio | 8.8527% | 5,124 |
| Tier 1 risk-based capital ratio | 11.6979% | 6,110 |
| Total risk-based capital ratio | 12.9495% | 6,093 |
| Memoranda: | ||
| Average total assets | $3,040,369,000 | 245 |
| Average earning assets | $2,752,831,000 | 244 |
| Average equity | $315,580,330 | 264 |
| Average total loans | $2,192,271,000 | 225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 4,193 |
| Cost of funding earning assets | 1.1256% | 1,272 |
| Net interest margin | 3.3062% | 5,449 |
| Noninterest income to average assets | 1.8572% | 462 |
| Noninterest expense to average assets | 3.0327% | 3,143 |
| Loan and lease loss provision to assets | 0.1183% | 3,866 |
| Net operating income to assets | 1.1636% | 1,846 |
| Return on assets (ROA) | 1.1449% | 2,083 |
| Pretax return on assets | 1.6735% | 1,370 |
| Return on Equity (ROE) | 11.1298% | 1,967 |
| Retained earnings to average equity (ytd only) | 6.5664% | 2,646 |
| Net charge-offs to loans | 0.1211% | 3,386 |
| Credit loss provision to net charge-offs | 136.9863% | 1,797 |
| Earnings coverage of net charge-offs (x) | 21.0594% | 1,168 |
| Efficiency ratio | 62.0000% | 5,273 |
| Assets per employee ($millions) | 5.6213% | 1,594 |
| Cash dividends to net income (ytd only)* | 41.0015% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 4,680 |
| Loan loss allowance to noncurrent loans | 154.8791% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 4,986 |
| Noncurrent loans to loans | 0.8932% | 4,878 |
| Net loans and leases to total assets | 70.8237% | 1,606 |
| Net loans and leases to deposits | 99.7508% | 379 |
| Net loans and leases to core deposits | 122.8879% | 272 |
| Total domestic deposits to total assets | 71.0006% | 6,935 |
| Equity capital to assets | 10.4508% | 3,553 |
| Core capital (leverage) ratio | 8.6062% | 5,435 |
| Tier 1 risk-based capital ratio | 11.7525% | 6,124 |
| Total risk-based capital ratio | 13.0086% | 6,100 |
| Memoranda: | ||
| Average total assets | $3,042,012,000 | 244 |
| Average earning assets | $2,755,527,000 | 242 |
| Average equity | $312,926,000 | 263 |
| Average total loans | $2,169,720,500 | 225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 4,912 |
| Cost of funding earning assets | 1.3032% | 1,473 |
| Net interest margin | 3.2378% | 5,984 |
| Noninterest income to average assets | 1.7342% | 470 |
| Noninterest expense to average assets | 3.0279% | 3,491 |
| Loan and lease loss provision to assets | 0.1593% | 4,635 |
| Net operating income to assets | 1.0290% | 2,091 |
| Return on assets (ROA) | 1.0411% | 2,184 |
| Pretax return on assets | 1.4967% | 1,483 |
| Return on Equity (ROE) | 10.0124% | 2,058 |
| Retained earnings to average equity (ytd only) | 5.3382% | 2,425 |
| Net charge-offs to loans | 0.1676% | 4,812 |
| Credit loss provision to net charge-offs | 135.0187% | 2,224 |
| Earnings coverage of net charge-offs (x) | 13.8897% | 1,506 |
| Efficiency ratio | 64.1934% | 5,094 |
| Assets per employee ($millions) | 5.7731% | 1,394 |
| Cash dividends to net income (ytd only)* | 46.6842% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,583 |
| Loan loss allowance to noncurrent loans | 140.3306% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 5,032 |
| Noncurrent loans to loans | 0.9798% | 4,747 |
| Net loans and leases to total assets | 69.8649% | 2,060 |
| Net loans and leases to deposits | 100.4784% | 434 |
| Net loans and leases to core deposits | 122.4900% | 313 |
| Total domestic deposits to total assets | 69.5323% | 7,009 |
| Equity capital to assets | 10.1248% | 4,002 |
| Core capital (leverage) ratio | 8.5540% | 5,476 |
| Tier 1 risk-based capital ratio | 11.4117% | 6,208 |
| Total risk-based capital ratio | 12.6634% | 6,205 |
| Memoranda: | ||
| Average total assets | $2,950,441,000 | 243 |
| Average earning assets | $2,672,205,600 | 235 |
| Average equity | $306,789,200 | 261 |
| Average total loans | $2,077,211,800 | 233 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 4,967 |
| Cost of funding earning assets | 1.3464% | 1,470 |
| Net interest margin | 3.2301% | 6,080 |
| Noninterest income to average assets | 1.6989% | 480 |
| Noninterest expense to average assets | 2.9600% | 3,704 |
| Loan and lease loss provision to assets | 0.1688% | 4,357 |
| Net operating income to assets | 1.0365% | 2,189 |
| Return on assets (ROA) | 1.0367% | 2,343 |
| Pretax return on assets | 1.4948% | 1,666 |
| Return on Equity (ROE) | 9.9022% | 2,233 |
| Retained earnings to average equity (ytd only) | 5.3539% | 2,946 |
| Net charge-offs to loans | 0.1714% | 4,425 |
| Credit loss provision to net charge-offs | 140.0454% | 2,274 |
| Earnings coverage of net charge-offs (x) | 13.8024% | 1,588 |
| Efficiency ratio | 63.3277% | 5,175 |
| Assets per employee ($millions) | 5.5739% | 1,526 |
| Cash dividends to net income (ytd only)* | 45.9325% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,544 |
| Loan loss allowance to noncurrent loans | 137.2904% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 5,130 |
| Noncurrent loans to loans | 1.0230% | 4,849 |
| Net loans and leases to total assets | 70.1707% | 2,052 |
| Net loans and leases to deposits | 99.6950% | 485 |
| Net loans and leases to core deposits | 120.9163% | 363 |
| Total domestic deposits to total assets | 70.3854% | 7,021 |
| Equity capital to assets | 10.5977% | 3,575 |
| Core capital (leverage) ratio | 8.5529% | 5,632 |
| Tier 1 risk-based capital ratio | 11.5426% | 6,219 |
| Total risk-based capital ratio | 12.8013% | 6,200 |
| Memoranda: | ||
| Average total assets | $2,923,112,000 | 243 |
| Average earning assets | $2,646,403,500 | 238 |
| Average equity | $306,038,250 | 262 |
| Average total loans | $2,054,640,000 | 233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 5,077 |
| Cost of funding earning assets | 1.3757% | 1,523 |
| Net interest margin | 3.1996% | 6,161 |
| Noninterest income to average assets | 1.6646% | 483 |
| Noninterest expense to average assets | 2.9139% | 3,969 |
| Loan and lease loss provision to assets | 0.1856% | 4,060 |
| Net operating income to assets | 1.0156% | 2,163 |
| Return on assets (ROA) | 1.0234% | 2,225 |
| Pretax return on assets | 1.4757% | 1,597 |
| Return on Equity (ROE) | 9.8154% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.5028% | 2,691 |
| Net charge-offs to loans | 0.1896% | 4,018 |
| Credit loss provision to net charge-offs | 139.8964% | 2,174 |
| Earnings coverage of net charge-offs (x) | 12.4358% | 1,629 |
| Efficiency ratio | 63.1297% | 5,382 |
| Assets per employee ($millions) | 5.5751% | 1,500 |
| Cash dividends to net income (ytd only)* | 43.9368% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 4,476 |
| Loan loss allowance to noncurrent loans | 139.9161% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 5,255 |
| Noncurrent loans to loans | 1.0155% | 4,963 |
| Net loans and leases to total assets | 69.4502% | 2,332 |
| Net loans and leases to deposits | 101.9833% | 393 |
| Net loans and leases to core deposits | 125.0772% | 326 |
| Total domestic deposits to total assets | 68.0995% | 7,188 |
| Equity capital to assets | 10.5747% | 3,412 |
| Core capital (leverage) ratio | 8.4818% | 5,578 |
| Tier 1 risk-based capital ratio | 11.5394% | 6,145 |
| Total risk-based capital ratio | 12.8056% | 6,115 |
| Memoranda: | ||
| Average total assets | $2,909,041,330 | 246 |
| Average earning assets | $2,636,058,330 | 240 |
| Average equity | $303,299,000 | 263 |
| Average total loans | $2,036,043,670 | 238 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 5,150 |
| Cost of funding earning assets | 1.3981% | 1,620 |
| Net interest margin | 3.1568% | 6,200 |
| Noninterest income to average assets | 1.5946% | 522 |
| Noninterest expense to average assets | 2.8263% | 4,348 |
| Loan and lease loss provision to assets | 0.2071% | 3,567 |
| Net operating income to assets | 0.9853% | 2,228 |
| Return on assets (ROA) | 0.9794% | 2,307 |
| Pretax return on assets | 1.4126% | 1,692 |
| Return on Equity (ROE) | 9.4619% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.9407% | 2,675 |
| Net charge-offs to loans | 0.1928% | 3,347 |
| Credit loss provision to net charge-offs | 154.0041% | 1,859 |
| Earnings coverage of net charge-offs (x) | 12.1088% | 1,513 |
| Efficiency ratio | 62.7131% | 5,564 |
| Assets per employee ($millions) | 5.8958% | 1,271 |
| Cash dividends to net income (ytd only)* | 37.2145% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 4,515 |
| Loan loss allowance to noncurrent loans | 150.2090% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 5,396 |
| Noncurrent loans to loans | 0.9534% | 5,129 |
| Net loans and leases to total assets | 69.3506% | 2,255 |
| Net loans and leases to deposits | 97.6805% | 590 |
| Net loans and leases to core deposits | 120.2323% | 410 |
| Total domestic deposits to total assets | 70.9974% | 7,134 |
| Equity capital to assets | 10.4682% | 3,213 |
| Core capital (leverage) ratio | 8.3708% | 5,681 |
| Tier 1 risk-based capital ratio | 11.4821% | 6,118 |
| Total risk-based capital ratio | 12.7478% | 6,086 |
| Memoranda: | ||
| Average total assets | $2,897,313,500 | 245 |
| Average earning assets | $2,624,923,000 | 243 |
| Average equity | $299,896,500 | 263 |
| Average total loans | $2,021,077,000 | 237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 5,874 |
| Cost of funding earning assets | 1.6724% | 1,721 |
| Net interest margin | 3.0044% | 6,728 |
| Noninterest income to average assets | 1.6108% | 562 |
| Noninterest expense to average assets | 2.8882% | 4,284 |
| Loan and lease loss provision to assets | 0.2067% | 5,181 |
| Net operating income to assets | 0.8671% | 2,525 |
| Return on assets (ROA) | 0.8746% | 2,627 |
| Pretax return on assets | 1.2543% | 2,066 |
| Return on Equity (ROE) | 8.6729% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.4241% | 3,469 |
| Net charge-offs to loans | 0.2434% | 4,827 |
| Credit loss provision to net charge-offs | 124.5589% | 3,307 |
| Earnings coverage of net charge-offs (x) | 8.7395% | 1,929 |
| Efficiency ratio | 65.7064% | 5,026 |
| Assets per employee ($millions) | 5.9421% | 1,247 |
| Cash dividends to net income (ytd only)* | 60.5199% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 4,413 |
| Loan loss allowance to noncurrent loans | 154.4192% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 5,455 |
| Noncurrent loans to loans | 0.9211% | 5,215 |
| Net loans and leases to total assets | 68.1754% | 2,943 |
| Net loans and leases to deposits | 97.2198% | 769 |
| Net loans and leases to core deposits | 120.6647% | 513 |
| Total domestic deposits to total assets | 70.1250% | 7,231 |
| Equity capital to assets | 10.2342% | 3,458 |
| Core capital (leverage) ratio | 8.1248% | 5,958 |
| Tier 1 risk-based capital ratio | 11.3433% | 6,039 |
| Total risk-based capital ratio | 12.6059% | 6,027 |
| Memoranda: | ||
| Average total assets | $2,902,886,000 | 249 |
| Average earning assets | $2,635,422,600 | 243 |
| Average equity | $292,751,000 | 259 |
| Average total loans | $1,978,941,800 | 245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 6,036 |
| Cost of funding earning assets | 1.7380% | 1,687 |
| Net interest margin | 2.9581% | 6,915 |
| Noninterest income to average assets | 1.5619% | 570 |
| Noninterest expense to average assets | 2.8789% | 4,167 |
| Loan and lease loss provision to assets | 0.2067% | 4,991 |
| Net operating income to assets | 0.8131% | 2,945 |
| Return on assets (ROA) | 0.8234% | 3,052 |
| Pretax return on assets | 1.1784% | 2,572 |
| Return on Equity (ROE) | 8.1947% | 2,828 |
| Retained earnings to average equity (ytd only) | 2.8422% | 4,434 |
| Net charge-offs to loans | 0.2526% | 4,430 |
| Credit loss provision to net charge-offs | 120.4819% | 3,421 |
| Earnings coverage of net charge-offs (x) | 7.9866% | 2,227 |
| Efficiency ratio | 66.8267% | 4,694 |
| Assets per employee ($millions) | 5.8922% | 1,306 |
| Cash dividends to net income (ytd only)* | 65.3164% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,541 |
| Loan loss allowance to noncurrent loans | 143.8017% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 5,518 |
| Noncurrent loans to loans | 0.9638% | 5,308 |
| Net loans and leases to total assets | 68.9860% | 2,990 |
| Net loans and leases to deposits | 97.4136% | 849 |
| Net loans and leases to core deposits | 121.0147% | 578 |
| Total domestic deposits to total assets | 70.8176% | 7,231 |
| Equity capital to assets | 10.2078% | 3,872 |
| Core capital (leverage) ratio | 7.9281% | 6,434 |
| Tier 1 risk-based capital ratio | 11.0827% | 6,305 |
| Total risk-based capital ratio | 12.3452% | 6,284 |
| Memoranda: | ||
| Average total assets | $2,902,191,000 | 247 |
| Average earning assets | $2,636,703,000 | 241 |
| Average equity | $291,596,000 | 258 |
| Average total loans | $1,971,294,250 | 246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 6,210 |
| Cost of funding earning assets | 1.8049% | 1,623 |
| Net interest margin | 2.8748% | 7,040 |
| Noninterest income to average assets | 1.4948% | 575 |
| Noninterest expense to average assets | 2.7624% | 4,651 |
| Loan and lease loss provision to assets | 0.2068% | 4,808 |
| Net operating income to assets | 0.8003% | 2,972 |
| Return on assets (ROA) | 0.7802% | 3,209 |
| Pretax return on assets | 1.1104% | 2,752 |
| Return on Equity (ROE) | 7.8068% | 2,959 |
| Retained earnings to average equity (ytd only) | 2.9439% | 4,255 |
| Net charge-offs to loans | 0.2476% | 4,109 |
| Credit loss provision to net charge-offs | 124.2236% | 3,258 |
| Earnings coverage of net charge-offs (x) | 8.0849% | 2,191 |
| Efficiency ratio | 66.2640% | 4,936 |
| Assets per employee ($millions) | 5.8425% | 1,345 |
| Cash dividends to net income (ytd only)* | 62.2902% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 4,365 |
| Loan loss allowance to noncurrent loans | 123.0759% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8865% | 5,345 |
| Noncurrent loans to loans | 1.1476% | 5,043 |
| Net loans and leases to total assets | 66.7323% | 3,681 |
| Net loans and leases to deposits | 100.1444% | 708 |
| Net loans and leases to core deposits | 121.4213% | 653 |
| Total domestic deposits to total assets | 66.6361% | 7,504 |
| Equity capital to assets | 10.0953% | 3,894 |
| Core capital (leverage) ratio | 7.8620% | 6,427 |
| Tier 1 risk-based capital ratio | 11.1136% | 6,129 |
| Total risk-based capital ratio | 12.3675% | 6,110 |
| Memoranda: | ||
| Average total assets | $2,901,296,330 | 248 |
| Average earning assets | $2,637,723,330 | 243 |
| Average equity | $289,953,000 | 258 |
| Average total loans | $1,951,018,330 | 251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 6,244 |
| Cost of funding earning assets | 1.8623% | 1,601 |
| Net interest margin | 2.8374% | 7,123 |
| Noninterest income to average assets | 1.4297% | 590 |
| Noninterest expense to average assets | 2.6744% | 5,035 |
| Loan and lease loss provision to assets | 0.2077% | 4,427 |
| Net operating income to assets | 0.7934% | 2,998 |
| Return on assets (ROA) | 0.7873% | 3,143 |
| Pretax return on assets | 1.1194% | 2,671 |
| Return on Equity (ROE) | 7.9184% | 2,926 |
| Retained earnings to average equity (ytd only) | 2.9041% | 4,391 |
| Net charge-offs to loans | 0.2457% | 3,473 |
| Credit loss provision to net charge-offs | 126.1564% | 2,791 |
| Earnings coverage of net charge-offs (x) | 8.1127% | 1,990 |
| Efficiency ratio | 65.6848% | 5,189 |
| Assets per employee ($millions) | 6.1066% | 1,189 |
| Cash dividends to net income (ytd only)* | 63.3245% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 4,286 |
| Loan loss allowance to noncurrent loans | 113.6628% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9504% | 5,248 |
| Noncurrent loans to loans | 1.2553% | 4,883 |
| Net loans and leases to total assets | 66.1415% | 3,818 |
| Net loans and leases to deposits | 97.5745% | 950 |
| Net loans and leases to core deposits | 122.1940% | 702 |
| Total domestic deposits to total assets | 67.7856% | 7,537 |
| Equity capital to assets | 9.9977% | 3,879 |
| Core capital (leverage) ratio | 7.8301% | 6,460 |
| Tier 1 risk-based capital ratio | 11.1464% | 6,008 |
| Total risk-based capital ratio | 12.4090% | 5,967 |
| Memoranda: | ||
| Average total assets | $2,888,402,000 | 257 |
| Average earning assets | $2,626,902,000 | 252 |
| Average equity | $287,180,000 | 265 |
| Average total loans | $1,935,879,500 | 261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 6,820 |
| Cost of funding earning assets | 2.3152% | 1,596 |
| Net interest margin | 2.5420% | 7,380 |
| Noninterest income to average assets | 1.5276% | 613 |
| Noninterest expense to average assets | 2.6172% | 5,723 |
| Loan and lease loss provision to assets | 0.2912% | 5,097 |
| Net operating income to assets | 0.6708% | 3,054 |
| Return on assets (ROA) | 0.6021% | 3,394 |
| Pretax return on assets | 0.8466% | 3,092 |
| Return on Equity (ROE) | 6.3841% | 3,037 |
| Retained earnings to average equity (ytd only) | 0.3433% | 4,720 |
| Net charge-offs to loans | 0.2551% | 5,024 |
| Credit loss provision to net charge-offs | 176.1658% | 2,385 |
| Earnings coverage of net charge-offs (x) | 7.4686% | 2,140 |
| Efficiency ratio | 66.8727% | 5,211 |
| Assets per employee ($millions) | 6.0936% | 1,189 |
| Cash dividends to net income (ytd only)* | 94.6230% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 4,122 |
| Loan loss allowance to noncurrent loans | 99.7452% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 4,982 |
| Noncurrent loans to loans | 1.4236% | 4,542 |
| Net loans and leases to total assets | 65.9952% | 4,151 |
| Net loans and leases to deposits | 98.8849% | 1,010 |
| Net loans and leases to core deposits | 126.0932% | 1,507 |
| Total domestic deposits to total assets | 66.7394% | 7,614 |
| Equity capital to assets | 9.8872% | 3,905 |
| Core capital (leverage) ratio | 7.7646% | 6,492 |
| Tier 1 risk-based capital ratio | 11.0613% | 5,862 |
| Total risk-based capital ratio | 12.3216% | 5,814 |
| Memoranda: | ||
| Average total assets | $2,918,930,000 | 255 |
| Average earning assets | $2,668,816,000 | 249 |
| Average equity | $275,292,200 | 270 |
| Average total loans | $1,891,144,400 | 279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 6,926 |
| Cost of funding earning assets | 2.3739% | 1,729 |
| Net interest margin | 2.5071% | 7,458 |
| Noninterest income to average assets | 1.5067% | 649 |
| Noninterest expense to average assets | 2.6055% | 5,698 |
| Loan and lease loss provision to assets | 0.2960% | 4,606 |
| Net operating income to assets | 0.6422% | 3,437 |
| Return on assets (ROA) | 0.5729% | 3,783 |
| Pretax return on assets | 0.8050% | 3,522 |
| Return on Equity (ROE) | 6.1473% | 3,468 |
| Retained earnings to average equity (ytd only) | -0.2194% | 5,269 |
| Net charge-offs to loans | 0.2689% | 4,360 |
| Credit loss provision to net charge-offs | 171.3231% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.9378% | 2,513 |
| Efficiency ratio | 67.3921% | 5,104 |
| Assets per employee ($millions) | 6.0755% | 1,179 |
| Cash dividends to net income (ytd only)* | 103.5689% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,048 |
| Loan loss allowance to noncurrent loans | 104.8308% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 5,127 |
| Noncurrent loans to loans | 1.3175% | 4,738 |
| Net loans and leases to total assets | 65.3955% | 4,561 |
| Net loans and leases to deposits | 99.5764% | 1,145 |
| Net loans and leases to core deposits | 125.9175% | 1,747 |
| Total domestic deposits to total assets | 65.6737% | 7,703 |
| Equity capital to assets | 9.7866% | 4,366 |
| Core capital (leverage) ratio | 7.6271% | 6,829 |
| Tier 1 risk-based capital ratio | 10.9881% | 5,963 |
| Total risk-based capital ratio | 12.2394% | 5,932 |
| Memoranda: | ||
| Average total assets | $2,928,088,750 | 264 |
| Average earning assets | $2,683,017,500 | 260 |
| Average equity | $272,871,000 | 279 |
| Average total loans | $1,881,536,250 | 294 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 7,037 |
| Cost of funding earning assets | 2.4356% | 1,826 |
| Net interest margin | 2.4598% | 7,518 |
| Noninterest income to average assets | 1.4696% | 681 |
| Noninterest expense to average assets | 2.5938% | 5,762 |
| Loan and lease loss provision to assets | 0.3195% | 4,028 |
| Net operating income to assets | 0.5736% | 3,796 |
| Return on assets (ROA) | 0.4927% | 4,239 |
| Pretax return on assets | 0.6978% | 4,000 |
| Return on Equity (ROE) | 5.3752% | 3,919 |
| Retained earnings to average equity (ytd only) | -2.0631% | 5,762 |
| Net charge-offs to loans | 0.2538% | 3,929 |
| Credit loss provision to net charge-offs | 197.9781% | 2,311 |
| Earnings coverage of net charge-offs (x) | 7.0101% | 2,509 |
| Efficiency ratio | 68.5049% | 5,070 |
| Assets per employee ($millions) | 6.1682% | 1,116 |
| Cash dividends to net income (ytd only)* | 138.3830% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 3,869 |
| Loan loss allowance to noncurrent loans | 114.9292% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 5,284 |
| Noncurrent loans to loans | 1.1946% | 4,827 |
| Net loans and leases to total assets | 64.1409% | 4,950 |
| Net loans and leases to deposits | 99.2827% | 1,359 |
| Net loans and leases to core deposits | 122.7386% | 2,135 |
| Total domestic deposits to total assets | 64.6043% | 7,806 |
| Equity capital to assets | 9.3250% | 4,831 |
| Core capital (leverage) ratio | 7.4627% | 7,068 |
| Tier 1 risk-based capital ratio | 10.8855% | 5,998 |
| Total risk-based capital ratio | 12.1367% | 5,938 |
| Memoranda: | ||
| Average total assets | $2,942,159,670 | 269 |
| Average earning assets | $2,697,761,000 | 262 |
| Average equity | $269,685,330 | 288 |
| Average total loans | $1,870,827,000 | 300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 7,089 |
| Cost of funding earning assets | 2.5090% | 1,886 |
| Net interest margin | 2.4243% | 7,592 |
| Noninterest income to average assets | 1.3194% | 821 |
| Noninterest expense to average assets | 2.4402% | 6,060 |
| Loan and lease loss provision to assets | 0.2302% | 4,150 |
| Net operating income to assets | 0.6108% | 3,971 |
| Return on assets (ROA) | 0.4276% | 4,929 |
| Pretax return on assets | 0.6130% | 4,716 |
| Return on Equity (ROE) | 4.7047% | 4,607 |
| Retained earnings to average equity (ytd only) | -5.3215% | 6,596 |
| Net charge-offs to loans | 0.1996% | 3,439 |
| Credit loss provision to net charge-offs | 183.3873% | 2,370 |
| Earnings coverage of net charge-offs (x) | 8.8047% | 2,143 |
| Efficiency ratio | 67.6545% | 5,030 |
| Assets per employee ($millions) | 6.5306% | 950 |
| Cash dividends to net income (ytd only)* | 213.1096% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,030 |
| Loan loss allowance to noncurrent loans | 158.6864% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 5,694 |
| Noncurrent loans to loans | 0.8241% | 5,386 |
| Net loans and leases to total assets | 62.7741% | 5,194 |
| Net loans and leases to deposits | 98.0581% | 1,659 |
| Net loans and leases to core deposits | 119.1606% | 2,492 |
| Total domestic deposits to total assets | 64.0172% | 7,842 |
| Equity capital to assets | 9.1247% | 5,190 |
| Core capital (leverage) ratio | 7.2874% | 7,394 |
| Tier 1 risk-based capital ratio | 10.9200% | 5,970 |
| Total risk-based capital ratio | 12.1704% | 5,883 |
| Memoranda: | ||
| Average total assets | $2,954,465,000 | 271 |
| Average earning assets | $2,712,672,000 | 264 |
| Average equity | $268,497,500 | 289 |
| Average total loans | $1,857,544,000 | 301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 6,847 |
| Cost of funding earning assets | 2.9483% | 2,064 |
| Net interest margin | 2.7285% | 7,449 |
| Noninterest income to average assets | 1.6236% | 527 |
| Noninterest expense to average assets | 2.6208% | 5,573 |
| Loan and lease loss provision to assets | 0.1769% | 5,128 |
| Net operating income to assets | 0.9810% | 2,631 |
| Return on assets (ROA) | 0.8797% | 2,940 |
| Pretax return on assets | 1.1809% | 2,720 |
| Return on Equity (ROE) | 10.4693% | 2,096 |
| Retained earnings to average equity (ytd only) | -0.9259% | 5,575 |
| Net charge-offs to loans | 0.0796% | 5,626 |
| Credit loss provision to net charge-offs | 355.0296% | 1,261 |
| Earnings coverage of net charge-offs (x) | 29.9933% | 1,174 |
| Efficiency ratio | 62.5365% | 5,850 |
| Assets per employee ($millions) | 6.6300% | 837 |
| Cash dividends to net income (ytd only)* | 108.8441% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 3,871 |
| Loan loss allowance to noncurrent loans | 305.0662% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 6,412 |
| Noncurrent loans to loans | 0.4223% | 6,076 |
| Net loans and leases to total assets | 61.3430% | 5,722 |
| Net loans and leases to deposits | 101.4647% | 1,652 |
| Net loans and leases to core deposits | 121.4138% | 2,565 |
| Total domestic deposits to total assets | 60.4575% | 7,948 |
| Equity capital to assets | 9.0512% | 5,304 |
| Core capital (leverage) ratio | 7.5777% | 7,109 |
| Tier 1 risk-based capital ratio | 11.3739% | 5,359 |
| Total risk-based capital ratio | 12.6243% | 5,259 |
| Memoranda: | ||
| Average total assets | $2,713,163,200 | 279 |
| Average earning assets | $2,477,769,800 | 275 |
| Average equity | $227,989,800 | 332 |
| Average total loans | $1,699,248,200 | 318 |