Home > United Bank > Performance and Condition Ratios
United Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 1,340 |
| Cost of funding earning assets | 1.7615% | 1,319 |
| Net interest margin | 3.6237% | 1,922 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.8660% | 3,898 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.3284% | 1,370 |
| Return on assets (ROA) | 1.3092% | 1,385 |
| Pretax return on assets | 1.6600% | 1,136 |
| Return on Equity (ROE) | 8.2800% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.6482% | 3,073 |
| Net charge-offs to loans | 0.0318% | 1,658 |
| Credit loss provision to net charge-offs | 467.5672% | 709 |
| Earnings coverage of net charge-offs (x) | 79.3640% | 1,027 |
| Efficiency ratio | 50.6464% | 3,932 |
| Assets per employee ($millions) | 11.2139% | 504 |
| Cash dividends to net income (ytd only)* | 55.9283% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,233 |
| Loan loss allowance to noncurrent loans | 569.7767% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 2,457 |
| Noncurrent loans to loans | 0.2125% | 2,459 |
| Net loans and leases to total assets | 70.8700% | 1,717 |
| Net loans and leases to deposits | 91.7345% | 1,118 |
| Net loans and leases to core deposits | 96.2711% | 1,642 |
| Total domestic deposits to total assets | 77.2600% | 3,817 |
| Equity capital to assets | 16.1410% | 452 |
| Core capital (leverage) ratio | 11.5163% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3574% | 1,735 |
| Memoranda: | ||
| Average total assets | $29,635,866,400 | 70 |
| Average earning assets | $26,017,263,800 | 72 |
| Average equity | $4,687,109,600 | 49 |
| Average total loans | $20,944,761,800 | 62 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 1,292 |
| Cost of funding earning assets | 1.6691% | 1,238 |
| Net interest margin | 3.6327% | 1,919 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 1.8320% | 3,918 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3834% | 1,355 |
| Return on assets (ROA) | 1.3566% | 1,386 |
| Pretax return on assets | 1.7002% | 1,160 |
| Return on Equity (ROE) | 8.6200% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.8959% | 3,284 |
| Net charge-offs to loans | 0.0265% | 1,536 |
| Credit loss provision to net charge-offs | 586.7086% | 568 |
| Earnings coverage of net charge-offs (x) | 98.2344% | 926 |
| Efficiency ratio | 49.5257% | 3,949 |
| Assets per employee ($millions) | 10.6955% | 549 |
| Cash dividends to net income (ytd only)* | 54.8173% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,332 |
| Loan loss allowance to noncurrent loans | 596.3780% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,530 |
| Noncurrent loans to loans | 0.2020% | 2,547 |
| Net loans and leases to total assets | 71.6900% | 1,616 |
| Net loans and leases to deposits | 91.1756% | 1,128 |
| Net loans and leases to core deposits | 95.8298% | 1,561 |
| Total domestic deposits to total assets | 78.6300% | 3,748 |
| Equity capital to assets | 16.0995% | 441 |
| Core capital (leverage) ratio | 11.4420% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1831% | 1,827 |
| Memoranda: | ||
| Average total assets | $29,581,983,250 | 71 |
| Average earning assets | $25,951,333,750 | 72 |
| Average equity | $4,654,307,000 | 49 |
| Average total loans | $20,827,116,000 | 62 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 1,241 |
| Cost of funding earning assets | 1.5522% | 1,157 |
| Net interest margin | 3.6246% | 1,977 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.8142% | 3,968 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.3850% | 1,368 |
| Return on assets (ROA) | 1.3459% | 1,452 |
| Pretax return on assets | 1.6839% | 1,249 |
| Return on Equity (ROE) | 8.6200% | 3,080 |
| Retained earnings to average equity (ytd only) | 3.8798% | 3,235 |
| Net charge-offs to loans | 0.0227% | 1,426 |
| Credit loss provision to net charge-offs | 778.6321% | 487 |
| Earnings coverage of net charge-offs (x) | 117.4257% | 857 |
| Efficiency ratio | 48.9102% | 4,003 |
| Assets per employee ($millions) | 10.8867% | 523 |
| Cash dividends to net income (ytd only)* | 54.9912% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,427 |
| Loan loss allowance to noncurrent loans | 603.3909% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,475 |
| Noncurrent loans to loans | 0.1992% | 2,469 |
| Net loans and leases to total assets | 69.5300% | 1,794 |
| Net loans and leases to deposits | 91.0961% | 1,102 |
| Net loans and leases to core deposits | 95.7778% | 1,478 |
| Total domestic deposits to total assets | 76.3300% | 4,016 |
| Equity capital to assets | 15.8154% | 463 |
| Core capital (leverage) ratio | 11.1360% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0309% | 1,885 |
| Memoranda: | ||
| Average total assets | $29,724,029,000 | 68 |
| Average earning assets | $26,080,736,333 | 70 |
| Average equity | $4,641,094,000 | 50 |
| Average total loans | $20,716,989,000 | 61 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,149 |
| Cost of funding earning assets | 1.3717% | 1,089 |
| Net interest margin | 3.6692% | 1,973 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.7904% | 4,048 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.3878% | 1,439 |
| Return on assets (ROA) | 1.3842% | 1,422 |
| Pretax return on assets | 1.7287% | 1,218 |
| Return on Equity (ROE) | 8.9200% | 3,071 |
| Retained earnings to average equity (ytd only) | 4.1585% | 3,222 |
| Net charge-offs to loans | 0.0222% | 1,239 |
| Credit loss provision to net charge-offs | 601.7467% | 495 |
| Earnings coverage of net charge-offs (x) | 120.9432% | 705 |
| Efficiency ratio | 48.5670% | 4,053 |
| Assets per employee ($millions) | 10.9127% | 522 |
| Cash dividends to net income (ytd only)* | 53.3913% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,753 |
| Loan loss allowance to noncurrent loans | 567.1824% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,427 |
| Noncurrent loans to loans | 0.2050% | 2,448 |
| Net loans and leases to total assets | 67.8900% | 1,849 |
| Net loans and leases to deposits | 90.7494% | 994 |
| Net loans and leases to core deposits | 95.4853% | 1,313 |
| Total domestic deposits to total assets | 74.8100% | 4,242 |
| Equity capital to assets | 15.4826% | 444 |
| Core capital (leverage) ratio | 10.9338% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7035% | 2,090 |
| Memoranda: | ||
| Average total assets | $29,769,244,500 | 72 |
| Average earning assets | $26,123,741,500 | 74 |
| Average equity | $4,618,300,500 | 51 |
| Average total loans | $20,647,690,000 | 65 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 1,934 |
| Cost of funding earning assets | 0.3600% | 2,401 |
| Net interest margin | 3.5608% | 1,757 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.8334% | 3,964 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3397% | 1,312 |
| Return on assets (ROA) | 1.3378% | 1,276 |
| Pretax return on assets | 1.6770% | 979 |
| Return on Equity (ROE) | 8.4300% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.5405% | 3,841 |
| Net charge-offs to loans | 0.0005% | 2,587 |
| Credit loss provision to net charge-offs | 18,644.5545% | 39 |
| Earnings coverage of net charge-offs (x) | 5,180.5347% | 26 |
| Efficiency ratio | 50.0157% | 4,127 |
| Assets per employee ($millions) | 10.5865% | 566 |
| Cash dividends to net income (ytd only)* | 69.8550% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,703 |
| Loan loss allowance to noncurrent loans | 474.1290% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 2,319 |
| Noncurrent loans to loans | 0.2402% | 2,318 |
| Net loans and leases to total assets | 69.2500% | 1,707 |
| Net loans and leases to deposits | 90.3474% | 1,033 |
| Net loans and leases to core deposits | 92.1245% | 1,383 |
| Total domestic deposits to total assets | 76.6500% | 4,211 |
| Equity capital to assets | 15.5455% | 423 |
| Core capital (leverage) ratio | 10.9561% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3518% | 2,220 |
| Memoranda: | ||
| Average total assets | $29,158,526,600 | 77 |
| Average earning assets | $25,547,835,000 | 77 |
| Average equity | $4,628,799,000 | 55 |
| Average total loans | $19,395,294,800 | 69 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 2,256 |
| Cost of funding earning assets | 0.2013% | 3,256 |
| Net interest margin | 3.4293% | 1,868 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.8698% | 3,819 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3067% | 1,328 |
| Return on assets (ROA) | 1.3042% | 1,305 |
| Pretax return on assets | 1.6282% | 1,053 |
| Return on Equity (ROE) | 8.1700% | 3,274 |
| Retained earnings to average equity (ytd only) | 2.5001% | 3,916 |
| Net charge-offs to loans | -0.0079% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.1326% | 3,994 |
| Assets per employee ($millions) | 10.1906% | 619 |
| Cash dividends to net income (ytd only)* | 69.4088% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,005 |
| Loan loss allowance to noncurrent loans | 367.3961% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,009 |
| Noncurrent loans to loans | 0.3002% | 2,164 |
| Net loans and leases to total assets | 67.8900% | 1,685 |
| Net loans and leases to deposits | 85.2385% | 1,217 |
| Net loans and leases to core deposits | 86.7290% | 1,485 |
| Total domestic deposits to total assets | 79.6500% | 4,130 |
| Equity capital to assets | 15.6043% | 405 |
| Core capital (leverage) ratio | 10.9933% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4817% | 2,271 |
| Memoranda: | ||
| Average total assets | $29,090,556,000 | 77 |
| Average earning assets | $25,486,756,000 | 79 |
| Average equity | $4,642,224,250 | 57 |
| Average total loans | $19,090,357,250 | 69 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3719% | 2,513 |
| Cost of funding earning assets | 0.1505% | 3,567 |
| Net interest margin | 3.2214% | 2,124 |
| Noninterest income to average assets | 0.6075% | 1,707 |
| Noninterest expense to average assets | 1.8540% | 3,828 |
| Loan and lease loss provision to assets | 0.0407% | 1,854 |
| Net operating income to assets | 1.2334% | 1,320 |
| Return on assets (ROA) | 1.2309% | 1,306 |
| Pretax return on assets | 1.5339% | 1,094 |
| Return on Equity (ROE) | 7.6573% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.1031% | 3,719 |
| Net charge-offs to loans | -0.0310% | 4,049 |
| Credit loss provision to net charge-offs | 178.2951% | 1,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4736% | 4,009 |
| Assets per employee ($millions) | 9.8411% | 694 |
| Cash dividends to net income (ytd only)* | 72.5353% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,113 |
| Loan loss allowance to noncurrent loans | 360.4868% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 2,041 |
| Noncurrent loans to loans | 0.3089% | 2,228 |
| Net loans and leases to total assets | 66.0406% | 1,684 |
| Net loans and leases to deposits | 81.6346% | 1,272 |
| Net loans and leases to core deposits | 83.2022% | 1,505 |
| Total domestic deposits to total assets | 80.8979% | 4,140 |
| Equity capital to assets | 15.9810% | 340 |
| Core capital (leverage) ratio | 10.8208% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8551% | 2,123 |
| Memoranda: | ||
| Average total assets | $29,119,957,667 | 76 |
| Average earning assets | $25,528,838,667 | 79 |
| Average equity | $4,681,093,667 | 58 |
| Average total loans | $18,817,091,333 | 70 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1488% | 2,829 |
| Cost of funding earning assets | 0.1412% | 3,612 |
| Net interest margin | 3.0076% | 2,473 |
| Noninterest income to average assets | 0.6347% | 1,555 |
| Noninterest expense to average assets | 1.8330% | 3,861 |
| Loan and lease loss provision to assets | 0.0249% | 1,914 |
| Net operating income to assets | 1.1388% | 1,405 |
| Return on assets (ROA) | 1.1358% | 1,414 |
| Pretax return on assets | 1.4154% | 1,211 |
| Return on Equity (ROE) | 7.0456% | 3,026 |
| Retained earnings to average equity (ytd only) | 1.5435% | 3,673 |
| Net charge-offs to loans | -0.0425% | 4,203 |
| Credit loss provision to net charge-offs | 171.8182% | 823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3607% | 3,931 |
| Assets per employee ($millions) | 9.7069% | 731 |
| Cash dividends to net income (ytd only)* | 78.0921% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,123 |
| Loan loss allowance to noncurrent loans | 341.4927% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,101 |
| Noncurrent loans to loans | 0.3355% | 2,283 |
| Net loans and leases to total assets | 63.1259% | 1,728 |
| Net loans and leases to deposits | 78.0313% | 1,285 |
| Net loans and leases to core deposits | 79.8751% | 1,491 |
| Total domestic deposits to total assets | 80.8982% | 4,210 |
| Equity capital to assets | 15.9081% | 323 |
| Core capital (leverage) ratio | 10.6341% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0446% | 2,182 |
| Memoranda: | ||
| Average total assets | $29,311,993,000 | 78 |
| Average earning assets | $25,751,331,000 | 80 |
| Average equity | $4,725,500,500 | 59 |
| Average total loans | $18,630,095,000 | 72 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2961% | 3,227 |
| Cost of funding earning assets | 0.1811% | 3,648 |
| Net interest margin | 3.1150% | 2,862 |
| Noninterest income to average assets | 0.9763% | 1,047 |
| Noninterest expense to average assets | 2.0635% | 3,487 |
| Loan and lease loss provision to assets | -0.0466% | 4,338 |
| Net operating income to assets | 1.3500% | 1,441 |
| Return on assets (ROA) | 1.3533% | 1,469 |
| Pretax return on assets | 1.7035% | 1,138 |
| Return on Equity (ROE) | 8.1672% | 3,170 |
| Retained earnings to average equity (ytd only) | 1.8383% | 4,028 |
| Net charge-offs to loans | 0.0486% | 1,338 |
| Credit loss provision to net charge-offs | -272.0954% | 3,589 |
| Earnings coverage of net charge-offs (x) | 51.9624% | 1,274 |
| Efficiency ratio | 54.9485% | 3,829 |
| Assets per employee ($millions) | 9.5189% | 783 |
| Cash dividends to net income (ytd only)* | 77.4918% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 3,045 |
| Loan loss allowance to noncurrent loans | 278.9823% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 1,977 |
| Noncurrent loans to loans | 0.4179% | 2,098 |
| Net loans and leases to total assets | 62.5204% | 1,881 |
| Net loans and leases to deposits | 77.5473% | 1,438 |
| Net loans and leases to core deposits | 79.6633% | 1,623 |
| Total domestic deposits to total assets | 80.6223% | 4,152 |
| Equity capital to assets | 16.3350% | 345 |
| Core capital (leverage) ratio | 11.1496% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3037% | 2,125 |
| Memoranda: | ||
| Average total assets | $27,414,499,600 | 81 |
| Average earning assets | $24,112,458,800 | 84 |
| Average equity | $4,542,637,000 | 59 |
| Average total loans | $17,942,839,000 | 74 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 3,180 |
| Cost of funding earning assets | 0.1930% | 3,691 |
| Net interest margin | 3.1825% | 2,783 |
| Noninterest income to average assets | 1.0624% | 975 |
| Noninterest expense to average assets | 2.0876% | 3,399 |
| Loan and lease loss provision to assets | -0.0526% | 4,468 |
| Net operating income to assets | 1.4514% | 1,394 |
| Return on assets (ROA) | 1.4562% | 1,435 |
| Pretax return on assets | 1.8309% | 1,091 |
| Return on Equity (ROE) | 8.7545% | 3,180 |
| Retained earnings to average equity (ytd only) | 1.6896% | 4,274 |
| Net charge-offs to loans | 0.0644% | 1,002 |
| Credit loss provision to net charge-offs | -190.1908% | 3,373 |
| Earnings coverage of net charge-offs (x) | 41.6783% | 1,345 |
| Efficiency ratio | 53.5199% | 3,866 |
| Assets per employee ($millions) | 9.4139% | 791 |
| Cash dividends to net income (ytd only)* | 80.7000% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,875 |
| Loan loss allowance to noncurrent loans | 273.2527% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 2,074 |
| Noncurrent loans to loans | 0.4477% | 2,218 |
| Net loans and leases to total assets | 61.9598% | 2,007 |
| Net loans and leases to deposits | 77.1040% | 1,562 |
| Net loans and leases to core deposits | 79.0202% | 1,821 |
| Total domestic deposits to total assets | 80.3588% | 4,183 |
| Equity capital to assets | 16.3742% | 381 |
| Core capital (leverage) ratio | 10.5650% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5268% | 2,157 |
| Memoranda: | ||
| Average total assets | $26,945,693,750 | 81 |
| Average earning assets | $23,686,455,500 | 86 |
| Average equity | $4,482,176,250 | 60 |
| Average total loans | $17,796,532,750 | 75 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 3,031 |
| Cost of funding earning assets | 0.2036% | 3,712 |
| Net interest margin | 3.2450% | 2,619 |
| Noninterest income to average assets | 1.1000% | 927 |
| Noninterest expense to average assets | 2.1340% | 3,289 |
| Loan and lease loss provision to assets | -0.0530% | 4,528 |
| Net operating income to assets | 1.4875% | 1,326 |
| Return on assets (ROA) | 1.4943% | 1,372 |
| Pretax return on assets | 1.8796% | 1,058 |
| Return on Equity (ROE) | 8.9355% | 3,113 |
| Retained earnings to average equity (ytd only) | 1.7869% | 4,167 |
| Net charge-offs to loans | 0.1086% | 703 |
| Credit loss provision to net charge-offs | -87.2887% | 3,043 |
| Earnings coverage of net charge-offs (x) | 24.9251% | 1,423 |
| Efficiency ratio | 53.4406% | 3,875 |
| Assets per employee ($millions) | 9.2250% | 794 |
| Cash dividends to net income (ytd only)* | 80.0020% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,701 |
| Loan loss allowance to noncurrent loans | 247.6774% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 2,038 |
| Noncurrent loans to loans | 0.5029% | 2,169 |
| Net loans and leases to total assets | 63.5065% | 2,011 |
| Net loans and leases to deposits | 79.1394% | 1,506 |
| Net loans and leases to core deposits | 81.4304% | 1,767 |
| Total domestic deposits to total assets | 80.2463% | 4,203 |
| Equity capital to assets | 16.5488% | 369 |
| Core capital (leverage) ratio | 10.6676% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8549% | 2,024 |
| Memoranda: | ||
| Average total assets | $26,767,875,667 | 82 |
| Average earning assets | $23,526,495,667 | 85 |
| Average equity | $4,476,405,667 | 60 |
| Average total loans | $17,983,067,667 | 75 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 2,858 |
| Cost of funding earning assets | 0.2137% | 3,793 |
| Net interest margin | 3.3079% | 2,372 |
| Noninterest income to average assets | 1.2933% | 759 |
| Noninterest expense to average assets | 2.2100% | 3,078 |
| Loan and lease loss provision to assets | 0.0138% | 2,602 |
| Net operating income to assets | 1.5712% | 1,178 |
| Return on assets (ROA) | 1.5844% | 1,208 |
| Pretax return on assets | 1.9930% | 955 |
| Return on Equity (ROE) | 9.4243% | 2,879 |
| Retained earnings to average equity (ytd only) | 2.0375% | 3,999 |
| Net charge-offs to loans | 0.0996% | 688 |
| Credit loss provision to net charge-offs | 6.4729% | 1,460 |
| Earnings coverage of net charge-offs (x) | 29.1059% | 1,106 |
| Efficiency ratio | 52.0934% | 3,983 |
| Assets per employee ($millions) | 9.1068% | 800 |
| Cash dividends to net income (ytd only)* | 78.3803% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,563 |
| Loan loss allowance to noncurrent loans | 225.4344% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,042 |
| Noncurrent loans to loans | 0.5652% | 2,161 |
| Net loans and leases to total assets | 66.4715% | 1,737 |
| Net loans and leases to deposits | 83.1190% | 1,233 |
| Net loans and leases to core deposits | 86.0265% | 1,519 |
| Total domestic deposits to total assets | 79.9714% | 4,207 |
| Equity capital to assets | 16.5553% | 346 |
| Core capital (leverage) ratio | 10.8580% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7938% | 1,968 |
| Memoranda: | ||
| Average total assets | $26,572,660,500 | 83 |
| Average earning assets | $23,349,633,000 | 86 |
| Average equity | $4,467,426,500 | 61 |
| Average total loans | $18,242,187,500 | 76 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 3,134 |
| Cost of funding earning assets | 0.4768% | 3,105 |
| Net interest margin | 3.3839% | 2,820 |
| Noninterest income to average assets | 1.4585% | 567 |
| Noninterest expense to average assets | 2.3614% | 3,239 |
| Loan and lease loss provision to assets | 0.4505% | 619 |
| Net operating income to assets | 1.2894% | 1,275 |
| Return on assets (ROA) | 1.2982% | 1,354 |
| Pretax return on assets | 1.6147% | 1,047 |
| Return on Equity (ROE) | 7.5579% | 2,977 |
| Retained earnings to average equity (ytd only) | 1.8474% | 3,891 |
| Net charge-offs to loans | 0.1402% | 1,154 |
| Credit loss provision to net charge-offs | 450.4513% | 1,335 |
| Earnings coverage of net charge-offs (x) | 20.5907% | 1,935 |
| Efficiency ratio | 52.8453% | 4,323 |
| Assets per employee ($millions) | 8.7702% | 808 |
| Cash dividends to net income (ytd only)* | 75.5567% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,473 |
| Loan loss allowance to noncurrent loans | 200.3058% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,951 |
| Noncurrent loans to loans | 0.6430% | 2,073 |
| Net loans and leases to total assets | 69.1117% | 1,673 |
| Net loans and leases to deposits | 87.1329% | 1,164 |
| Net loans and leases to core deposits | 90.9692% | 1,458 |
| Total domestic deposits to total assets | 79.3176% | 4,163 |
| Equity capital to assets | 17.0772% | 328 |
| Core capital (leverage) ratio | 10.9516% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8192% | 1,915 |
| Memoranda: | ||
| Average total assets | $23,652,551,800 | 85 |
| Average earning assets | $20,669,551,200 | 86 |
| Average equity | $4,062,697,800 | 61 |
| Average total loans | $16,825,953,200 | 77 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 3,230 |
| Cost of funding earning assets | 0.5564% | 2,892 |
| Net interest margin | 3.3506% | 3,041 |
| Noninterest income to average assets | 1.4774% | 537 |
| Noninterest expense to average assets | 2.3697% | 3,221 |
| Loan and lease loss provision to assets | 0.5200% | 552 |
| Net operating income to assets | 1.2077% | 1,617 |
| Return on assets (ROA) | 1.2198% | 1,697 |
| Pretax return on assets | 1.5284% | 1,383 |
| Return on Equity (ROE) | 7.0901% | 3,160 |
| Retained earnings to average equity (ytd only) | 1.6382% | 4,044 |
| Net charge-offs to loans | 0.1352% | 1,072 |
| Credit loss provision to net charge-offs | 535.7194% | 1,236 |
| Earnings coverage of net charge-offs (x) | 21.0529% | 1,877 |
| Efficiency ratio | 53.1741% | 4,234 |
| Assets per employee ($millions) | 8.4847% | 847 |
| Cash dividends to net income (ytd only)* | 76.8946% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,638 |
| Loan loss allowance to noncurrent loans | 164.1553% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 1,846 |
| Noncurrent loans to loans | 0.7340% | 1,974 |
| Net loans and leases to total assets | 71.4822% | 1,748 |
| Net loans and leases to deposits | 90.7281% | 1,195 |
| Net loans and leases to core deposits | 95.1807% | 1,532 |
| Total domestic deposits to total assets | 78.7873% | 4,088 |
| Equity capital to assets | 17.1347% | 360 |
| Core capital (leverage) ratio | 10.7049% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4271% | 2,024 |
| Memoranda: | ||
| Average total assets | $23,027,533,750 | 85 |
| Average earning assets | $20,106,429,250 | 86 |
| Average equity | $3,961,839,250 | 63 |
| Average total loans | $16,454,854,000 | 78 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 3,507 |
| Cost of funding earning assets | 0.6402% | 2,757 |
| Net interest margin | 3.2962% | 3,398 |
| Noninterest income to average assets | 1.1127% | 804 |
| Noninterest expense to average assets | 2.1883% | 3,820 |
| Loan and lease loss provision to assets | 0.6618% | 436 |
| Net operating income to assets | 0.9294% | 2,583 |
| Return on assets (ROA) | 0.9424% | 2,657 |
| Pretax return on assets | 1.1546% | 2,530 |
| Return on Equity (ROE) | 5.4690% | 3,685 |
| Retained earnings to average equity (ytd only) | 1.1566% | 4,053 |
| Net charge-offs to loans | 0.1406% | 1,014 |
| Credit loss provision to net charge-offs | 661.8836% | 1,034 |
| Earnings coverage of net charge-offs (x) | 18.0094% | 1,787 |
| Efficiency ratio | 54.1286% | 4,166 |
| Assets per employee ($millions) | 8.8695% | 707 |
| Cash dividends to net income (ytd only)* | 78.8522% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,753 |
| Loan loss allowance to noncurrent loans | 154.7923% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 1,891 |
| Noncurrent loans to loans | 0.7464% | 2,012 |
| Net loans and leases to total assets | 70.2166% | 1,995 |
| Net loans and leases to deposits | 91.9352% | 1,165 |
| Net loans and leases to core deposits | 97.7675% | 1,429 |
| Total domestic deposits to total assets | 76.3761% | 4,391 |
| Equity capital to assets | 16.7958% | 391 |
| Core capital (leverage) ratio | 11.4921% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2364% | 2,091 |
| Memoranda: | ||
| Average total assets | $22,068,831,667 | 86 |
| Average earning assets | $19,256,459,333 | 89 |
| Average equity | $3,802,951,333 | 66 |
| Average total loans | $15,692,367,000 | 81 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,387 |
| Cost of funding earning assets | 0.8320% | 2,216 |
| Net interest margin | 3.3156% | 3,556 |
| Noninterest income to average assets | 0.7227% | 1,558 |
| Noninterest expense to average assets | 1.9937% | 4,407 |
| Loan and lease loss provision to assets | 0.5424% | 533 |
| Net operating income to assets | 0.8595% | 2,661 |
| Return on assets (ROA) | 0.8633% | 2,746 |
| Pretax return on assets | 1.0758% | 2,600 |
| Return on Equity (ROE) | 4.9283% | 3,657 |
| Retained earnings to average equity (ytd only) | -0.7805% | 4,114 |
| Net charge-offs to loans | 0.1880% | 724 |
| Credit loss provision to net charge-offs | 405.3828% | 992 |
| Earnings coverage of net charge-offs (x) | 12.0610% | 1,707 |
| Efficiency ratio | 54.3969% | 4,367 |
| Assets per employee ($millions) | 9.2260% | 496 |
| Cash dividends to net income (ytd only)* | 115.8373% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,318 |
| Loan loss allowance to noncurrent loans | 126.0951% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 1,959 |
| Noncurrent loans to loans | 0.8556% | 1,904 |
| Net loans and leases to total assets | 69.7902% | 2,281 |
| Net loans and leases to deposits | 100.3778% | 538 |
| Net loans and leases to core deposits | 107.3093% | 976 |
| Total domestic deposits to total assets | 69.5275% | 4,871 |
| Equity capital to assets | 17.1335% | 425 |
| Core capital (leverage) ratio | 11.1345% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7001% | 2,395 |
| Memoranda: | ||
| Average total assets | $19,998,599,500 | 91 |
| Average earning assets | $17,397,542,000 | 92 |
| Average equity | $3,503,390,000 | 69 |
| Average total loans | $14,229,357,500 | 86 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 3,085 |
| Cost of funding earning assets | 1.0059% | 1,701 |
| Net interest margin | 3.4547% | 3,578 |
| Noninterest income to average assets | 0.7450% | 1,645 |
| Noninterest expense to average assets | 1.9379% | 4,624 |
| Loan and lease loss provision to assets | 0.1086% | 1,914 |
| Net operating income to assets | 1.3682% | 1,449 |
| Return on assets (ROA) | 1.3684% | 1,531 |
| Pretax return on assets | 1.7069% | 1,172 |
| Return on Equity (ROE) | 7.6483% | 3,307 |
| Retained earnings to average equity (ytd only) | 0.5570% | 4,534 |
| Net charge-offs to loans | 0.1505% | 1,320 |
| Credit loss provision to net charge-offs | 101.6890% | 2,438 |
| Earnings coverage of net charge-offs (x) | 16.9988% | 2,133 |
| Efficiency ratio | 50.6803% | 4,696 |
| Assets per employee ($millions) | 9.1626% | 474 |
| Cash dividends to net income (ytd only)* | 92.7177% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 4,825 |
| Loan loss allowance to noncurrent loans | 63.6361% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 1,864 |
| Noncurrent loans to loans | 0.8588% | 1,793 |
| Net loans and leases to total assets | 71.3816% | 2,190 |
| Net loans and leases to deposits | 100.3064% | 587 |
| Net loans and leases to core deposits | 107.1688% | 1,030 |
| Total domestic deposits to total assets | 71.1635% | 4,890 |
| Equity capital to assets | 17.9167% | 371 |
| Core capital (leverage) ratio | 11.2612% | 2,285 |
| Tier 1 risk-based capital ratio | 13.4699% | 3,539 |
| Total risk-based capital ratio | 13.9933% | 3,815 |
| Memoranda: | ||
| Average total assets | $19,626,222,200 | 86 |
| Average earning assets | $17,089,619,200 | 88 |
| Average equity | $3,511,317,000 | 69 |
| Average total loans | $13,928,331,400 | 81 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 3,018 |
| Cost of funding earning assets | 1.0322% | 1,621 |
| Net interest margin | 3.4818% | 3,624 |
| Noninterest income to average assets | 0.7491% | 1,598 |
| Noninterest expense to average assets | 1.9352% | 4,662 |
| Loan and lease loss provision to assets | 0.1050% | 1,835 |
| Net operating income to assets | 1.3780% | 1,538 |
| Return on assets (ROA) | 1.3775% | 1,613 |
| Pretax return on assets | 1.7406% | 1,221 |
| Return on Equity (ROE) | 7.7022% | 3,432 |
| Retained earnings to average equity (ytd only) | 0.4834% | 4,670 |
| Net charge-offs to loans | 0.1445% | 1,122 |
| Credit loss provision to net charge-offs | 102.6244% | 2,198 |
| Earnings coverage of net charge-offs (x) | 18.0508% | 2,069 |
| Efficiency ratio | 50.2321% | 4,728 |
| Assets per employee ($millions) | 9.0901% | 468 |
| Cash dividends to net income (ytd only)* | 93.7244% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5489% | 4,900 |
| Loan loss allowance to noncurrent loans | 59.0875% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 1,820 |
| Noncurrent loans to loans | 0.9290% | 1,730 |
| Net loans and leases to total assets | 70.7822% | 2,357 |
| Net loans and leases to deposits | 98.3699% | 779 |
| Net loans and leases to core deposits | 106.3662% | 1,158 |
| Total domestic deposits to total assets | 71.9552% | 4,919 |
| Equity capital to assets | 17.8944% | 399 |
| Core capital (leverage) ratio | 11.0965% | 2,561 |
| Tier 1 risk-based capital ratio | 13.3542% | 3,656 |
| Total risk-based capital ratio | 13.8759% | 3,943 |
| Memoranda: | ||
| Average total assets | $19,621,640,750 | 86 |
| Average earning assets | $17,087,400,000 | 88 |
| Average equity | $3,509,231,000 | 68 |
| Average total loans | $13,885,503,500 | 82 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 2,847 |
| Cost of funding earning assets | 1.0196% | 1,605 |
| Net interest margin | 3.5307% | 3,502 |
| Noninterest income to average assets | 0.7122% | 1,668 |
| Noninterest expense to average assets | 1.9250% | 4,715 |
| Loan and lease loss provision to assets | 0.1063% | 1,759 |
| Net operating income to assets | 1.3877% | 1,466 |
| Return on assets (ROA) | 1.3863% | 1,532 |
| Pretax return on assets | 1.7556% | 1,158 |
| Return on Equity (ROE) | 7.7529% | 3,402 |
| Retained earnings to average equity (ytd only) | 0.6138% | 4,531 |
| Net charge-offs to loans | 0.1549% | 1,012 |
| Credit loss provision to net charge-offs | 97.1725% | 2,044 |
| Earnings coverage of net charge-offs (x) | 17.0302% | 1,906 |
| Efficiency ratio | 49.8633% | 4,788 |
| Assets per employee ($millions) | 8.9809% | 465 |
| Cash dividends to net income (ytd only)* | 92.0831% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5455% | 4,958 |
| Loan loss allowance to noncurrent loans | 57.6874% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 1,875 |
| Noncurrent loans to loans | 0.9456% | 1,721 |
| Net loans and leases to total assets | 70.1177% | 2,515 |
| Net loans and leases to deposits | 96.1061% | 1,021 |
| Net loans and leases to core deposits | 105.4691% | 1,278 |
| Total domestic deposits to total assets | 72.9587% | 4,910 |
| Equity capital to assets | 17.7443% | 403 |
| Core capital (leverage) ratio | 11.1523% | 2,453 |
| Tier 1 risk-based capital ratio | 13.3332% | 3,674 |
| Total risk-based capital ratio | 13.8503% | 3,960 |
| Memoranda: | ||
| Average total assets | $19,584,016,670 | 85 |
| Average earning assets | $17,064,863,000 | 86 |
| Average equity | $3,501,849,670 | 68 |
| Average total loans | $13,832,131,000 | 82 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 2,987 |
| Cost of funding earning assets | 0.9816% | 1,647 |
| Net interest margin | 3.4834% | 3,641 |
| Noninterest income to average assets | 0.6267% | 1,930 |
| Noninterest expense to average assets | 1.8267% | 4,893 |
| Loan and lease loss provision to assets | 0.1028% | 1,715 |
| Net operating income to assets | 1.3610% | 1,485 |
| Return on assets (ROA) | 1.3562% | 1,547 |
| Pretax return on assets | 1.7255% | 1,155 |
| Return on Equity (ROE) | 7.5551% | 3,432 |
| Retained earnings to average equity (ytd only) | 0.6788% | 4,390 |
| Net charge-offs to loans | 0.1401% | 908 |
| Credit loss provision to net charge-offs | 103.8022% | 1,538 |
| Earnings coverage of net charge-offs (x) | 18.5255% | 1,623 |
| Efficiency ratio | 48.9095% | 4,904 |
| Assets per employee ($millions) | 8.8623% | 506 |
| Cash dividends to net income (ytd only)* | 91.0153% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 5,013 |
| Loan loss allowance to noncurrent loans | 60.6845% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 1,909 |
| Noncurrent loans to loans | 0.9169% | 1,826 |
| Net loans and leases to total assets | 69.9710% | 2,487 |
| Net loans and leases to deposits | 96.4800% | 924 |
| Net loans and leases to core deposits | 104.3418% | 1,291 |
| Total domestic deposits to total assets | 72.5239% | 5,019 |
| Equity capital to assets | 17.8295% | 361 |
| Core capital (leverage) ratio | 11.2675% | 2,325 |
| Tier 1 risk-based capital ratio | 13.3435% | 3,696 |
| Total risk-based capital ratio | 13.8640% | 3,969 |
| Memoranda: | ||
| Average total assets | $19,443,119,500 | 88 |
| Average earning assets | $16,936,297,500 | 87 |
| Average equity | $3,490,246,000 | 68 |
| Average total loans | $13,745,267,000 | 83 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 3,002 |
| Cost of funding earning assets | 0.7057% | 2,057 |
| Net interest margin | 3.6249% | 3,299 |
| Noninterest income to average assets | 0.6769% | 1,938 |
| Noninterest expense to average assets | 1.9210% | 4,865 |
| Loan and lease loss provision to assets | 0.1155% | 1,909 |
| Net operating income to assets | 1.4052% | 1,416 |
| Return on assets (ROA) | 1.3981% | 1,428 |
| Pretax return on assets | 1.7830% | 965 |
| Return on Equity (ROE) | 7.7224% | 3,564 |
| Retained earnings to average equity (ytd only) | 1.4898% | 4,539 |
| Net charge-offs to loans | 0.1626% | 1,180 |
| Credit loss provision to net charge-offs | 100.3464% | 2,503 |
| Earnings coverage of net charge-offs (x) | 16.5694% | 2,239 |
| Efficiency ratio | 49.0725% | 4,991 |
| Assets per employee ($millions) | 8.8615% | 492 |
| Cash dividends to net income (ytd only)* | 80.7081% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 5,041 |
| Loan loss allowance to noncurrent loans | 57.6784% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 1,796 |
| Noncurrent loans to loans | 0.9727% | 1,667 |
| Net loans and leases to total assets | 70.6353% | 2,477 |
| Net loans and leases to deposits | 96.6753% | 1,007 |
| Net loans and leases to core deposits | 104.0376% | 1,412 |
| Total domestic deposits to total assets | 73.0644% | 5,003 |
| Equity capital to assets | 18.0751% | 337 |
| Core capital (leverage) ratio | 11.3279% | 2,240 |
| Tier 1 risk-based capital ratio | 13.5974% | 3,497 |
| Total risk-based capital ratio | 14.1278% | 3,814 |
| Memoranda: | ||
| Average total assets | $19,054,349,600 | 88 |
| Average earning assets | $16,566,778,200 | 89 |
| Average equity | $3,449,606,400 | 66 |
| Average total loans | $13,488,106,800 | 82 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 3,039 |
| Cost of funding earning assets | 0.6402% | 2,202 |
| Net interest margin | 3.6390% | 3,232 |
| Noninterest income to average assets | 0.6868% | 1,908 |
| Noninterest expense to average assets | 1.9360% | 4,847 |
| Loan and lease loss provision to assets | 0.1136% | 1,787 |
| Net operating income to assets | 1.3987% | 1,499 |
| Return on assets (ROA) | 1.3996% | 1,495 |
| Pretax return on assets | 1.8004% | 1,012 |
| Return on Equity (ROE) | 7.7280% | 3,653 |
| Retained earnings to average equity (ytd only) | 1.7243% | 4,666 |
| Net charge-offs to loans | 0.1575% | 1,052 |
| Credit loss provision to net charge-offs | 101.9778% | 2,230 |
| Earnings coverage of net charge-offs (x) | 17.1749% | 2,123 |
| Efficiency ratio | 49.2020% | 4,985 |
| Assets per employee ($millions) | 8.6026% | 510 |
| Cash dividends to net income (ytd only)* | 77.6872% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 5,095 |
| Loan loss allowance to noncurrent loans | 57.6074% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 1,864 |
| Noncurrent loans to loans | 0.9885% | 1,724 |
| Net loans and leases to total assets | 70.0594% | 2,638 |
| Net loans and leases to deposits | 94.7690% | 1,289 |
| Net loans and leases to core deposits | 102.1267% | 1,601 |
| Total domestic deposits to total assets | 73.9265% | 4,981 |
| Equity capital to assets | 18.0042% | 333 |
| Core capital (leverage) ratio | 11.3325% | 2,305 |
| Tier 1 risk-based capital ratio | 13.6806% | 3,526 |
| Total risk-based capital ratio | 14.2166% | 3,835 |
| Memoranda: | ||
| Average total assets | $19,006,118,000 | 88 |
| Average earning assets | $16,514,428,000 | 89 |
| Average equity | $3,442,269,000 | 66 |
| Average total loans | $13,442,116,500 | 83 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 3,135 |
| Cost of funding earning assets | 0.5621% | 2,502 |
| Net interest margin | 3.6312% | 3,194 |
| Noninterest income to average assets | 0.7029% | 1,859 |
| Noninterest expense to average assets | 1.9527% | 4,877 |
| Loan and lease loss provision to assets | 0.1201% | 1,643 |
| Net operating income to assets | 1.3824% | 1,500 |
| Return on assets (ROA) | 1.3851% | 1,491 |
| Pretax return on assets | 1.7870% | 993 |
| Return on Equity (ROE) | 7.6323% | 3,658 |
| Retained earnings to average equity (ytd only) | 1.8165% | 4,516 |
| Net charge-offs to loans | 0.1621% | 953 |
| Credit loss provision to net charge-offs | 104.6717% | 1,951 |
| Earnings coverage of net charge-offs (x) | 16.5881% | 1,989 |
| Efficiency ratio | 49.5343% | 5,047 |
| Assets per employee ($millions) | 9.5368% | 372 |
| Cash dividends to net income (ytd only)* | 76.1998% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 5,178 |
| Loan loss allowance to noncurrent loans | 56.1914% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 1,802 |
| Noncurrent loans to loans | 0.9946% | 1,757 |
| Net loans and leases to total assets | 71.4916% | 2,363 |
| Net loans and leases to deposits | 98.6429% | 916 |
| Net loans and leases to core deposits | 108.0585% | 1,115 |
| Total domestic deposits to total assets | 72.4752% | 5,146 |
| Equity capital to assets | 17.9487% | 328 |
| Core capital (leverage) ratio | 11.4464% | 2,113 |
| Tier 1 risk-based capital ratio | 13.3014% | 3,733 |
| Total risk-based capital ratio | 13.8264% | 4,036 |
| Memoranda: | ||
| Average total assets | $18,949,775,000 | 88 |
| Average earning assets | $16,456,895,330 | 89 |
| Average equity | $3,438,915,330 | 65 |
| Average total loans | $13,419,176,670 | 82 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,283 |
| Cost of funding earning assets | 0.5001% | 2,794 |
| Net interest margin | 3.5862% | 3,237 |
| Noninterest income to average assets | 0.6571% | 2,006 |
| Noninterest expense to average assets | 1.9158% | 5,000 |
| Loan and lease loss provision to assets | 0.1100% | 1,705 |
| Net operating income to assets | 1.3540% | 1,467 |
| Return on assets (ROA) | 1.3604% | 1,464 |
| Pretax return on assets | 1.7550% | 992 |
| Return on Equity (ROE) | 7.4546% | 3,613 |
| Retained earnings to average equity (ytd only) | 1.6331% | 4,451 |
| Net charge-offs to loans | 0.1558% | 903 |
| Credit loss provision to net charge-offs | 100.5047% | 1,535 |
| Earnings coverage of net charge-offs (x) | 16.9631% | 1,600 |
| Efficiency ratio | 49.6491% | 5,105 |
| Assets per employee ($millions) | 9.0427% | 432 |
| Cash dividends to net income (ytd only)* | 78.0933% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5817% | 5,219 |
| Loan loss allowance to noncurrent loans | 53.6301% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 1,778 |
| Noncurrent loans to loans | 1.0846% | 1,690 |
| Net loans and leases to total assets | 70.4017% | 2,408 |
| Net loans and leases to deposits | 95.2709% | 1,097 |
| Net loans and leases to core deposits | 118.6078% | 630 |
| Total domestic deposits to total assets | 73.8963% | 5,167 |
| Equity capital to assets | 18.4524% | 286 |
| Core capital (leverage) ratio | 11.4608% | 2,041 |
| Tier 1 risk-based capital ratio | 13.5332% | 3,640 |
| Total risk-based capital ratio | 14.0681% | 3,940 |
| Memoranda: | ||
| Average total assets | $18,825,849,500 | 90 |
| Average earning assets | $16,355,817,000 | 90 |
| Average equity | $3,435,506,500 | 66 |
| Average total loans | $13,227,853,500 | 84 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,190 |
| Cost of funding earning assets | 0.4421% | 2,855 |
| Net interest margin | 3.6226% | 3,093 |
| Noninterest income to average assets | 0.7002% | 1,962 |
| Noninterest expense to average assets | 1.9800% | 4,993 |
| Loan and lease loss provision to assets | 0.1611% | 1,390 |
| Net operating income to assets | 0.9388% | 2,499 |
| Return on assets (ROA) | 0.9392% | 2,533 |
| Pretax return on assets | 1.7281% | 941 |
| Return on Equity (ROE) | 5.4689% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.6701% | 4,303 |
| Net charge-offs to loans | 0.2005% | 1,282 |
| Credit loss provision to net charge-offs | 115.7067% | 2,267 |
| Earnings coverage of net charge-offs (x) | 13.5618% | 2,386 |
| Efficiency ratio | 50.0405% | 5,215 |
| Assets per employee ($millions) | 9.0675% | 440 |
| Cash dividends to net income (ytd only)* | 69.4612% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 5,285 |
| Loan loss allowance to noncurrent loans | 51.2322% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 1,696 |
| Noncurrent loans to loans | 1.1265% | 1,571 |
| Net loans and leases to total assets | 69.3251% | 2,628 |
| Net loans and leases to deposits | 94.8071% | 1,191 |
| Net loans and leases to core deposits | 116.3895% | 706 |
| Total domestic deposits to total assets | 73.1222% | 5,246 |
| Equity capital to assets | 18.0500% | 306 |
| Core capital (leverage) ratio | 11.0296% | 2,311 |
| Tier 1 risk-based capital ratio | 13.1951% | 3,796 |
| Total risk-based capital ratio | 13.7219% | 4,126 |
| Memoranda: | ||
| Average total assets | $17,628,252,000 | 89 |
| Average earning assets | $15,418,517,800 | 91 |
| Average equity | $3,027,315,800 | 69 |
| Average total loans | $12,245,392,200 | 84 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 2,682 |
| Cost of funding earning assets | 0.4718% | 2,501 |
| Net interest margin | 3.7072% | 2,733 |
| Noninterest income to average assets | 0.6802% | 2,080 |
| Noninterest expense to average assets | 1.9905% | 4,975 |
| Loan and lease loss provision to assets | 0.0185% | 3,774 |
| Net operating income to assets | 1.2028% | 1,679 |
| Return on assets (ROA) | 1.2004% | 1,725 |
| Pretax return on assets | 1.8097% | 869 |
| Return on Equity (ROE) | 5.9772% | 4,132 |
| Retained earnings to average equity (ytd only) | 1.9197% | 4,668 |
| Net charge-offs to loans | 0.0604% | 2,254 |
| Credit loss provision to net charge-offs | 48.2910% | 2,928 |
| Earnings coverage of net charge-offs (x) | 47.9304% | 1,146 |
| Efficiency ratio | 50.6361% | 5,204 |
| Assets per employee ($millions) | 10.4461% | 273 |
| Cash dividends to net income (ytd only)* | 67.8839% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2752% | 5,630 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,917 |
| Noncurrent loans to loans | 0.3096% | 3,834 |
| Net loans and leases to total assets | 64.8663% | 3,270 |
| Net loans and leases to deposits | 94.7553% | 1,227 |
| Net loans and leases to core deposits | 112.4559% | 907 |
| Total domestic deposits to total assets | 68.4566% | 5,522 |
| Equity capital to assets | 20.8312% | 196 |
| Core capital (leverage) ratio | 10.8414% | 2,605 |
| Tier 1 risk-based capital ratio | 13.2657% | 3,837 |
| Total risk-based capital ratio | 13.5142% | 4,356 |
| Memoranda: | ||
| Average total assets | $11,125,677,500 | 115 |
| Average earning assets | $9,429,827,500 | 119 |
| Average equity | $2,234,443,750 | 82 |
| Average total loans | $7,036,509,250 | 128 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 3,410 |
| Cost of funding earning assets | 0.4392% | 2,702 |
| Net interest margin | 3.5006% | 3,397 |
| Noninterest income to average assets | 0.6190% | 2,376 |
| Noninterest expense to average assets | 1.9104% | 5,173 |
| Loan and lease loss provision to assets | 0.0363% | 3,279 |
| Net operating income to assets | 1.0854% | 2,059 |
| Return on assets (ROA) | 1.0884% | 2,089 |
| Pretax return on assets | 1.6554% | 1,179 |
| Return on Equity (ROE) | 5.5057% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.8246% | 4,521 |
| Net charge-offs to loans | 0.1082% | 1,551 |
| Credit loss provision to net charge-offs | 53.6109% | 2,524 |
| Earnings coverage of net charge-offs (x) | 24.9485% | 1,622 |
| Efficiency ratio | 51.7117% | 5,202 |
| Assets per employee ($millions) | 10.1598% | 288 |
| Cash dividends to net income (ytd only)* | 66.8602% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2688% | 5,681 |
| Loan loss allowance to noncurrent loans | 85.8896% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,914 |
| Noncurrent loans to loans | 0.3130% | 3,918 |
| Net loans and leases to total assets | 65.7517% | 3,140 |
| Net loans and leases to deposits | 95.4521% | 1,124 |
| Net loans and leases to core deposits | 113.3488% | 829 |
| Total domestic deposits to total assets | 68.8845% | 5,574 |
| Equity capital to assets | 20.5012% | 206 |
| Core capital (leverage) ratio | 11.4525% | 2,002 |
| Tier 1 risk-based capital ratio | 12.5786% | 4,255 |
| Total risk-based capital ratio | 12.8174% | 4,806 |
| Memoranda: | ||
| Average total assets | $10,443,411,670 | 117 |
| Average earning assets | $8,885,845,670 | 122 |
| Average equity | $2,064,597,670 | 84 |
| Average total loans | $6,525,989,000 | 132 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,299 |
| Cost of funding earning assets | 0.3837% | 3,161 |
| Net interest margin | 3.2591% | 4,139 |
| Noninterest income to average assets | 0.1738% | 5,237 |
| Noninterest expense to average assets | 1.4027% | 5,689 |
| Loan and lease loss provision to assets | 0.0131% | 3,397 |
| Net operating income to assets | 1.0254% | 2,191 |
| Return on assets (ROA) | 1.0254% | 2,245 |
| Pretax return on assets | 1.5596% | 1,340 |
| Return on Equity (ROE) | 5.3328% | 4,231 |
| Retained earnings to average equity (ytd only) | 0.7155% | 4,745 |
| Net charge-offs to loans | 0.1097% | 1,293 |
| Credit loss provision to net charge-offs | 19.9055% | 2,172 |
| Earnings coverage of net charge-offs (x) | 23.9042% | 1,377 |
| Efficiency ratio | 45.9716% | 5,532 |
| Assets per employee ($millions) | 15.7132% | 72 |
| Cash dividends to net income (ytd only)* | 86.5838% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4436% | 5,650 |
| Loan loss allowance to noncurrent loans | 100.7714% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 3,524 |
| Noncurrent loans to loans | 0.4402% | 3,514 |
| Net loans and leases to total assets | 59.9228% | 3,795 |
| Net loans and leases to deposits | 87.3166% | 1,880 |
| Net loans and leases to core deposits | 105.5378% | 1,137 |
| Total domestic deposits to total assets | 68.6270% | 5,667 |
| Equity capital to assets | 19.2762% | 234 |
| Core capital (leverage) ratio | 11.5417% | 1,914 |
| Tier 1 risk-based capital ratio | 14.7616% | 3,091 |
| Total risk-based capital ratio | 15.1480% | 3,456 |
| Memoranda: | ||
| Average total assets | $9,010,438,000 | 140 |
| Average earning assets | $7,745,507,500 | 143 |
| Average equity | $1,732,608,500 | 98 |
| Average total loans | $5,401,624,000 | 159 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,629 |
| Cost of funding earning assets | 0.3376% | 3,663 |
| Net interest margin | 3.5473% | 3,258 |
| Noninterest income to average assets | 0.2240% | 5,070 |
| Noninterest expense to average assets | 1.5072% | 5,713 |
| Loan and lease loss provision to assets | 0.0644% | 3,087 |
| Net operating income to assets | 1.1217% | 1,813 |
| Return on assets (ROA) | 1.1234% | 1,889 |
| Pretax return on assets | 1.7002% | 997 |
| Return on Equity (ROE) | 6.0658% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.3160% | 4,209 |
| Net charge-offs to loans | 0.2189% | 1,262 |
| Credit loss provision to net charge-offs | 46.6160% | 3,417 |
| Earnings coverage of net charge-offs (x) | 12.7616% | 2,424 |
| Efficiency ratio | 45.0512% | 5,669 |
| Assets per employee ($millions) | 15.6008% | 75 |
| Cash dividends to net income (ytd only)* | 61.8178% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 5,684 |
| Loan loss allowance to noncurrent loans | 97.3788% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 3,466 |
| Noncurrent loans to loans | 0.4811% | 3,430 |
| Net loans and leases to total assets | 59.4279% | 3,915 |
| Net loans and leases to deposits | 87.0158% | 2,049 |
| Net loans and leases to core deposits | 108.6031% | 985 |
| Total domestic deposits to total assets | 68.2955% | 5,707 |
| Equity capital to assets | 19.1817% | 233 |
| Core capital (leverage) ratio | 11.6429% | 1,831 |
| Tier 1 risk-based capital ratio | 14.7219% | 3,091 |
| Total risk-based capital ratio | 15.1278% | 3,450 |
| Memoranda: | ||
| Average total assets | $8,293,846,200 | 140 |
| Average earning assets | $7,119,741,200 | 149 |
| Average equity | $1,536,108,600 | 103 |
| Average total loans | $5,230,870,800 | 156 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 3,725 |
| Cost of funding earning assets | 0.3294% | 3,784 |
| Net interest margin | 3.5330% | 3,348 |
| Noninterest income to average assets | 0.2328% | 5,079 |
| Noninterest expense to average assets | 1.5209% | 5,744 |
| Loan and lease loss provision to assets | 0.0398% | 3,443 |
| Net operating income to assets | 1.1421% | 1,842 |
| Return on assets (ROA) | 1.1438% | 1,938 |
| Pretax return on assets | 1.7071% | 1,098 |
| Return on Equity (ROE) | 6.2375% | 3,959 |
| Retained earnings to average equity (ytd only) | 2.6885% | 4,291 |
| Net charge-offs to loans | 0.2226% | 1,053 |
| Credit loss provision to net charge-offs | 27.9649% | 3,240 |
| Earnings coverage of net charge-offs (x) | 12.2449% | 2,408 |
| Efficiency ratio | 45.5882% | 5,687 |
| Assets per employee ($millions) | 14.7079% | 85 |
| Cash dividends to net income (ytd only)* | 56.8974% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4605% | 5,759 |
| Loan loss allowance to noncurrent loans | 98.5199% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 3,557 |
| Noncurrent loans to loans | 0.4674% | 3,614 |
| Net loans and leases to total assets | 61.1647% | 3,721 |
| Net loans and leases to deposits | 90.6972% | 1,674 |
| Net loans and leases to core deposits | 109.0975% | 977 |
| Total domestic deposits to total assets | 67.4384% | 5,781 |
| Equity capital to assets | 18.4509% | 310 |
| Core capital (leverage) ratio | 10.2772% | 3,248 |
| Tier 1 risk-based capital ratio | 12.8555% | 4,251 |
| Total risk-based capital ratio | 13.2575% | 4,688 |
| Memoranda: | ||
| Average total assets | $8,112,998,750 | 143 |
| Average earning assets | $6,963,460,750 | 150 |
| Average equity | $1,487,721,750 | 104 |
| Average total loans | $5,192,594,250 | 155 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 3,884 |
| Cost of funding earning assets | 0.3116% | 4,000 |
| Net interest margin | 3.5099% | 3,455 |
| Noninterest income to average assets | 0.2192% | 5,177 |
| Noninterest expense to average assets | 1.5297% | 5,818 |
| Loan and lease loss provision to assets | 0.0463% | 3,223 |
| Net operating income to assets | 1.0925% | 1,982 |
| Return on assets (ROA) | 1.0951% | 2,101 |
| Pretax return on assets | 1.6593% | 1,196 |
| Return on Equity (ROE) | 5.9861% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.8432% | 4,096 |
| Net charge-offs to loans | 0.3118% | 762 |
| Credit loss provision to net charge-offs | 22.8363% | 2,911 |
| Earnings coverage of net charge-offs (x) | 8.4010% | 2,516 |
| Efficiency ratio | 46.4596% | 5,737 |
| Assets per employee ($millions) | 13.7713% | 100 |
| Cash dividends to net income (ytd only)* | 52.5032% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4590% | 5,841 |
| Loan loss allowance to noncurrent loans | 103.1736% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 3,659 |
| Noncurrent loans to loans | 0.4449% | 3,775 |
| Net loans and leases to total assets | 61.8026% | 3,645 |
| Net loans and leases to deposits | 92.1201% | 1,495 |
| Net loans and leases to core deposits | 111.4507% | 847 |
| Total domestic deposits to total assets | 67.0892% | 5,862 |
| Equity capital to assets | 18.4388% | 301 |
| Core capital (leverage) ratio | 11.7909% | 1,783 |
| Tier 1 risk-based capital ratio | 12.6147% | 4,437 |
| Total risk-based capital ratio | 13.0153% | 4,873 |
| Memoranda: | ||
| Average total assets | $7,861,035,670 | 148 |
| Average earning assets | $6,746,091,330 | 152 |
| Average equity | $1,438,166,000 | 106 |
| Average total loans | $5,106,884,670 | 155 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 3,436 |
| Cost of funding earning assets | 0.3254% | 3,895 |
| Net interest margin | 3.6139% | 3,031 |
| Noninterest income to average assets | 0.2552% | 4,913 |
| Noninterest expense to average assets | 1.5606% | 5,859 |
| Loan and lease loss provision to assets | -0.0157% | 5,901 |
| Net operating income to assets | 1.2028% | 1,549 |
| Return on assets (ROA) | 1.2028% | 1,653 |
| Pretax return on assets | 1.8225% | 816 |
| Return on Equity (ROE) | 6.6059% | 3,669 |
| Retained earnings to average equity (ytd only) | 1.6585% | 4,612 |
| Net charge-offs to loans | -0.0215% | 4,898 |
| Credit loss provision to net charge-offs | 109.4697% | 1,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5819% | 5,827 |
| Assets per employee ($millions) | 12.9847% | 123 |
| Cash dividends to net income (ytd only)* | 74.8928% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 5,664 |
| Loan loss allowance to noncurrent loans | 72.0634% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 2,702 |
| Noncurrent loans to loans | 0.9180% | 2,557 |
| Net loans and leases to total assets | 66.4070% | 2,892 |
| Net loans and leases to deposits | 99.0118% | 690 |
| Net loans and leases to core deposits | 116.4602% | 575 |
| Total domestic deposits to total assets | 67.0697% | 5,946 |
| Equity capital to assets | 18.4033% | 296 |
| Core capital (leverage) ratio | 10.4940% | 2,970 |
| Tier 1 risk-based capital ratio | 12.0109% | 4,909 |
| Total risk-based capital ratio | 12.5778% | 5,232 |
| Memoranda: | ||
| Average total assets | $7,370,952,000 | 156 |
| Average earning assets | $6,347,447,500 | 158 |
| Average equity | $1,342,141,500 | 109 |
| Average total loans | $4,915,682,500 | 159 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 3,846 |
| Cost of funding earning assets | 0.2910% | 4,356 |
| Net interest margin | 3.5691% | 3,244 |
| Noninterest income to average assets | 0.2987% | 4,748 |
| Noninterest expense to average assets | 1.5754% | 5,936 |
| Loan and lease loss provision to assets | 0.0492% | 3,341 |
| Net operating income to assets | 1.1653% | 1,685 |
| Return on assets (ROA) | 1.1651% | 1,760 |
| Pretax return on assets | 1.7337% | 925 |
| Return on Equity (ROE) | 6.4387% | 3,816 |
| Retained earnings to average equity (ytd only) | 2.1990% | 4,466 |
| Net charge-offs to loans | 0.1026% | 2,388 |
| Credit loss provision to net charge-offs | 73.0660% | 3,073 |
| Earnings coverage of net charge-offs (x) | 26.5002% | 1,582 |
| Efficiency ratio | 45.9797% | 5,927 |
| Assets per employee ($millions) | 12.7247% | 127 |
| Cash dividends to net income (ytd only)* | 65.8475% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 5,713 |
| Loan loss allowance to noncurrent loans | 81.7757% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 2,770 |
| Noncurrent loans to loans | 0.8030% | 2,780 |
| Net loans and leases to total assets | 66.0958% | 2,963 |
| Net loans and leases to deposits | 97.7543% | 839 |
| Net loans and leases to core deposits | 117.2823% | 566 |
| Total domestic deposits to total assets | 67.6142% | 5,983 |
| Equity capital to assets | 18.0162% | 315 |
| Core capital (leverage) ratio | 10.4508% | 2,985 |
| Tier 1 risk-based capital ratio | 11.6772% | 5,147 |
| Total risk-based capital ratio | 12.2329% | 5,434 |
| Memoranda: | ||
| Average total assets | $7,299,547,800 | 145 |
| Average earning assets | $6,258,283,800 | 151 |
| Average equity | $1,320,843,400 | 108 |
| Average total loans | $4,786,931,600 | 157 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 3,943 |
| Cost of funding earning assets | 0.2865% | 4,488 |
| Net interest margin | 3.5622% | 3,293 |
| Noninterest income to average assets | 0.2891% | 4,877 |
| Noninterest expense to average assets | 1.5833% | 5,988 |
| Loan and lease loss provision to assets | 0.0383% | 3,442 |
| Net operating income to assets | 1.1584% | 1,806 |
| Return on assets (ROA) | 1.1580% | 1,874 |
| Pretax return on assets | 1.7168% | 1,061 |
| Return on Equity (ROE) | 6.3924% | 3,963 |
| Retained earnings to average equity (ytd only) | 1.8365% | 4,960 |
| Net charge-offs to loans | 0.1019% | 2,119 |
| Credit loss provision to net charge-offs | 57.4931% | 2,940 |
| Earnings coverage of net charge-offs (x) | 26.3708% | 1,616 |
| Efficiency ratio | 46.4838% | 5,946 |
| Assets per employee ($millions) | 12.1372% | 145 |
| Cash dividends to net income (ytd only)* | 71.2713% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 5,776 |
| Loan loss allowance to noncurrent loans | 70.0718% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 2,673 |
| Noncurrent loans to loans | 0.9658% | 2,571 |
| Net loans and leases to total assets | 64.6580% | 3,205 |
| Net loans and leases to deposits | 94.5071% | 1,134 |
| Net loans and leases to core deposits | 111.5091% | 789 |
| Total domestic deposits to total assets | 68.4160% | 6,023 |
| Equity capital to assets | 18.2282% | 326 |
| Core capital (leverage) ratio | 10.1803% | 3,400 |
| Tier 1 risk-based capital ratio | 11.7328% | 5,247 |
| Total risk-based capital ratio | 12.3005% | 5,528 |
| Memoranda: | ||
| Average total assets | $7,269,806,250 | 148 |
| Average earning assets | $6,224,258,000 | 152 |
| Average equity | $1,316,920,250 | 110 |
| Average total loans | $4,749,730,500 | 159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 3,897 |
| Cost of funding earning assets | 0.2790% | 4,623 |
| Net interest margin | 3.5666% | 3,223 |
| Noninterest income to average assets | 0.2920% | 4,875 |
| Noninterest expense to average assets | 1.5869% | 6,057 |
| Loan and lease loss provision to assets | 0.0497% | 3,123 |
| Net operating income to assets | 1.1614% | 1,743 |
| Return on assets (ROA) | 1.1608% | 1,812 |
| Pretax return on assets | 1.7042% | 1,080 |
| Return on Equity (ROE) | 6.4213% | 3,918 |
| Retained earnings to average equity (ytd only) | 1.6955% | 4,851 |
| Net charge-offs to loans | 0.1242% | 1,767 |
| Credit loss provision to net charge-offs | 61.1601% | 2,579 |
| Earnings coverage of net charge-offs (x) | 21.6004% | 1,669 |
| Efficiency ratio | 46.5513% | 6,018 |
| Assets per employee ($millions) | 12.0048% | 153 |
| Cash dividends to net income (ytd only)* | 73.5957% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 5,845 |
| Loan loss allowance to noncurrent loans | 67.9603% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 2,729 |
| Noncurrent loans to loans | 1.0111% | 2,624 |
| Net loans and leases to total assets | 63.6941% | 3,306 |
| Net loans and leases to deposits | 94.0910% | 1,143 |
| Net loans and leases to core deposits | 110.6136% | 802 |
| Total domestic deposits to total assets | 67.6942% | 6,122 |
| Equity capital to assets | 17.8623% | 349 |
| Core capital (leverage) ratio | 10.3189% | 3,197 |
| Tier 1 risk-based capital ratio | 11.3715% | 5,535 |
| Total risk-based capital ratio | 11.9395% | 5,786 |
| Memoranda: | ||
| Average total assets | $7,257,534,670 | 149 |
| Average earning assets | $6,205,613,670 | 153 |
| Average equity | $1,311,937,330 | 112 |
| Average total loans | $4,747,472,330 | 157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 3,782 |
| Cost of funding earning assets | 0.2811% | 4,657 |
| Net interest margin | 3.5802% | 3,079 |
| Noninterest income to average assets | 0.2804% | 4,934 |
| Noninterest expense to average assets | 1.6443% | 6,063 |
| Loan and lease loss provision to assets | 0.0707% | 2,524 |
| Net operating income to assets | 1.1252% | 1,774 |
| Return on assets (ROA) | 1.1239% | 1,885 |
| Pretax return on assets | 1.6202% | 1,220 |
| Return on Equity (ROE) | 6.1793% | 3,939 |
| Retained earnings to average equity (ytd only) | 2.2021% | 4,579 |
| Net charge-offs to loans | 0.1253% | 1,508 |
| Credit loss provision to net charge-offs | 85.3495% | 1,781 |
| Earnings coverage of net charge-offs (x) | 20.4456% | 1,415 |
| Efficiency ratio | 48.3268% | 6,006 |
| Assets per employee ($millions) | 11.4542% | 173 |
| Cash dividends to net income (ytd only)* | 64.3628% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 5,899 |
| Loan loss allowance to noncurrent loans | 80.4165% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 2,879 |
| Noncurrent loans to loans | 0.8767% | 3,055 |
| Net loans and leases to total assets | 67.0119% | 2,606 |
| Net loans and leases to deposits | 99.9685% | 563 |
| Net loans and leases to core deposits | 115.4965% | 534 |
| Total domestic deposits to total assets | 67.0330% | 6,224 |
| Equity capital to assets | 18.7585% | 275 |
| Core capital (leverage) ratio | 10.2638% | 3,261 |
| Tier 1 risk-based capital ratio | 11.4138% | 5,599 |
| Total risk-based capital ratio | 12.0048% | 5,840 |
| Memoranda: | ||
| Average total assets | $7,188,829,500 | 150 |
| Average earning assets | $6,137,683,000 | 154 |
| Average equity | $1,307,453,000 | 112 |
| Average total loans | $4,749,840,500 | 154 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 4,235 |
| Cost of funding earning assets | 0.2973% | 4,821 |
| Net interest margin | 3.5754% | 3,490 |
| Noninterest income to average assets | 0.3885% | 4,275 |
| Noninterest expense to average assets | 1.6831% | 6,171 |
| Loan and lease loss provision to assets | 0.0761% | 2,952 |
| Net operating income to assets | 1.1320% | 1,852 |
| Return on assets (ROA) | 1.1343% | 1,905 |
| Pretax return on assets | 1.6990% | 989 |
| Return on Equity (ROE) | 6.5483% | 3,872 |
| Retained earnings to average equity (ytd only) | 1.6136% | 5,014 |
| Net charge-offs to loans | 0.1449% | 2,590 |
| Credit loss provision to net charge-offs | 79.2520% | 2,884 |
| Earnings coverage of net charge-offs (x) | 18.4570% | 1,847 |
| Efficiency ratio | 47.5885% | 6,201 |
| Assets per employee ($millions) | 11.7522% | 153 |
| Cash dividends to net income (ytd only)* | 75.3580% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 5,970 |
| Loan loss allowance to noncurrent loans | 92.4675% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 3,212 |
| Noncurrent loans to loans | 0.7687% | 3,392 |
| Net loans and leases to total assets | 64.2531% | 3,186 |
| Net loans and leases to deposits | 98.5340% | 717 |
| Net loans and leases to core deposits | 114.8004% | 562 |
| Total domestic deposits to total assets | 65.2090% | 6,342 |
| Equity capital to assets | 17.6386% | 352 |
| Core capital (leverage) ratio | 9.9683% | 3,619 |
| Tier 1 risk-based capital ratio | 12.2692% | 5,179 |
| Total risk-based capital ratio | 12.9161% | 5,476 |
| Memoranda: | ||
| Average total assets | $7,019,478,200 | 147 |
| Average earning assets | $6,019,861,800 | 150 |
| Average equity | $1,215,889,800 | 112 |
| Average total loans | $4,651,017,600 | 150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,645 |
| Cost of funding earning assets | 0.2951% | 4,927 |
| Net interest margin | 3.4787% | 3,903 |
| Noninterest income to average assets | 0.4509% | 3,891 |
| Noninterest expense to average assets | 1.6723% | 6,227 |
| Loan and lease loss provision to assets | 0.0414% | 3,574 |
| Net operating income to assets | 1.1492% | 1,870 |
| Return on assets (ROA) | 1.1550% | 1,907 |
| Pretax return on assets | 1.7320% | 1,014 |
| Return on Equity (ROE) | 6.7006% | 3,853 |
| Retained earnings to average equity (ytd only) | 1.7974% | 5,153 |
| Net charge-offs to loans | 0.0936% | 2,876 |
| Credit loss provision to net charge-offs | 66.4101% | 2,828 |
| Earnings coverage of net charge-offs (x) | 28.2866% | 1,425 |
| Efficiency ratio | 47.5334% | 6,223 |
| Assets per employee ($millions) | 11.1705% | 170 |
| Cash dividends to net income (ytd only)* | 73.1748% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 6,031 |
| Loan loss allowance to noncurrent loans | 102.8709% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 3,441 |
| Noncurrent loans to loans | 0.7142% | 3,824 |
| Net loans and leases to total assets | 63.5349% | 3,257 |
| Net loans and leases to deposits | 97.0385% | 789 |
| Net loans and leases to core deposits | 110.2131% | 740 |
| Total domestic deposits to total assets | 65.4739% | 6,414 |
| Equity capital to assets | 17.8076% | 353 |
| Core capital (leverage) ratio | 9.9754% | 3,718 |
| Tier 1 risk-based capital ratio | 12.4319% | 5,206 |
| Total risk-based capital ratio | 13.0969% | 5,509 |
| Memoranda: | ||
| Average total assets | $6,941,008,750 | 145 |
| Average earning assets | $5,958,353,250 | 149 |
| Average equity | $1,196,487,000 | 113 |
| Average total loans | $4,627,361,250 | 149 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6934% | 4,878 |
| Cost of funding earning assets | 0.2854% | 5,128 |
| Net interest margin | 3.4080% | 4,140 |
| Noninterest income to average assets | 0.5351% | 3,236 |
| Noninterest expense to average assets | 1.7207% | 6,244 |
| Loan and lease loss provision to assets | 0.0287% | 3,701 |
| Net operating income to assets | 1.1443% | 1,773 |
| Return on assets (ROA) | 1.1505% | 1,831 |
| Pretax return on assets | 1.7295% | 963 |
| Return on Equity (ROE) | 6.7528% | 3,750 |
| Retained earnings to average equity (ytd only) | 2.1202% | 4,835 |
| Net charge-offs to loans | 0.0927% | 2,757 |
| Credit loss provision to net charge-offs | 45.8489% | 2,852 |
| Earnings coverage of net charge-offs (x) | 27.9076% | 1,323 |
| Efficiency ratio | 48.5193% | 6,260 |
| Assets per employee ($millions) | 11.0876% | 175 |
| Cash dividends to net income (ytd only)* | 68.6028% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 6,124 |
| Loan loss allowance to noncurrent loans | 120.8889% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 3,760 |
| Noncurrent loans to loans | 0.6056% | 4,205 |
| Net loans and leases to total assets | 63.7195% | 3,118 |
| Net loans and leases to deposits | 97.1723% | 724 |
| Net loans and leases to core deposits | 108.9384% | 730 |
| Total domestic deposits to total assets | 65.5738% | 6,488 |
| Equity capital to assets | 17.7728% | 342 |
| Core capital (leverage) ratio | 10.4226% | 3,057 |
| Tier 1 risk-based capital ratio | 12.4398% | 5,272 |
| Total risk-based capital ratio | 13.1148% | 5,542 |
| Memoranda: | ||
| Average total assets | $6,841,853,000 | 145 |
| Average earning assets | $5,891,495,670 | 151 |
| Average equity | $1,165,649,330 | 113 |
| Average total loans | $4,625,482,670 | 146 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4043% | 5,636 |
| Cost of funding earning assets | 0.2661% | 5,433 |
| Net interest margin | 3.1382% | 5,124 |
| Noninterest income to average assets | 0.7604% | 1,913 |
| Noninterest expense to average assets | 1.8114% | 6,210 |
| Loan and lease loss provision to assets | 0.0698% | 2,736 |
| Net operating income to assets | 1.0572% | 1,976 |
| Return on assets (ROA) | 1.0802% | 1,963 |
| Pretax return on assets | 1.6376% | 1,091 |
| Return on Equity (ROE) | 6.4926% | 3,753 |
| Retained earnings to average equity (ytd only) | 1.4296% | 5,046 |
| Net charge-offs to loans | 0.1128% | 2,051 |
| Credit loss provision to net charge-offs | 89.0937% | 1,810 |
| Earnings coverage of net charge-offs (x) | 21.3510% | 1,293 |
| Efficiency ratio | 51.1484% | 6,181 |
| Assets per employee ($millions) | 9.8624% | 245 |
| Cash dividends to net income (ytd only)* | 77.9814% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 6,172 |
| Loan loss allowance to noncurrent loans | 93.7894% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 3,449 |
| Noncurrent loans to loans | 0.8117% | 3,850 |
| Net loans and leases to total assets | 66.1625% | 2,541 |
| Net loans and leases to deposits | 101.1825% | 395 |
| Net loans and leases to core deposits | 109.0033% | 628 |
| Total domestic deposits to total assets | 65.3893% | 6,567 |
| Equity capital to assets | 18.4226% | 299 |
| Core capital (leverage) ratio | 12.5252% | 1,374 |
| Tier 1 risk-based capital ratio | 12.3529% | 5,406 |
| Total risk-based capital ratio | 13.0474% | 5,698 |
| Memoranda: | ||
| Average total assets | $6,648,218,500 | 148 |
| Average earning assets | $5,769,978,500 | 154 |
| Average equity | $1,106,067,000 | 120 |
| Average total loans | $4,618,056,500 | 145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 4,005 |
| Cost of funding earning assets | 0.4279% | 4,341 |
| Net interest margin | 3.5964% | 3,481 |
| Noninterest income to average assets | 0.4663% | 3,986 |
| Noninterest expense to average assets | 2.0838% | 5,863 |
| Loan and lease loss provision to assets | 0.2205% | 1,654 |
| Net operating income to assets | 0.8336% | 3,115 |
| Return on assets (ROA) | 0.7316% | 3,734 |
| Pretax return on assets | 1.0611% | 3,107 |
| Return on Equity (ROE) | 4.1526% | 5,033 |
| Retained earnings to average equity (ytd only) | 1.1053% | 5,338 |
| Net charge-offs to loans | 0.3661% | 1,852 |
| Credit loss provision to net charge-offs | 84.9526% | 2,897 |
| Earnings coverage of net charge-offs (x) | 5.5059% | 3,286 |
| Efficiency ratio | 58.9427% | 5,616 |
| Assets per employee ($millions) | 8.0260% | 466 |
| Cash dividends to net income (ytd only)* | 73.3833% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 3,821 |
| Loan loss allowance to noncurrent loans | 105.6919% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.4534% | 2,565 |
| Noncurrent loans to loans | 1.2923% | 2,974 |
| Net loans and leases to total assets | 69.3201% | 2,121 |
| Net loans and leases to deposits | 101.3639% | 423 |
| Net loans and leases to core deposits | 110.1711% | 602 |
| Total domestic deposits to total assets | 68.3874% | 6,575 |
| Equity capital to assets | 17.4848% | 358 |
| Core capital (leverage) ratio | 11.1804% | 2,217 |
| Tier 1 risk-based capital ratio | 13.1067% | 4,906 |
| Total risk-based capital ratio | 14.3561% | 4,854 |
| Memoranda: | ||
| Average total assets | $3,576,214,200 | 220 |
| Average earning assets | $3,029,811,200 | 227 |
| Average equity | $630,066,800 | 168 |
| Average total loans | $2,536,215,800 | 204 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,947 |
| Cost of funding earning assets | 0.4473% | 4,302 |
| Net interest margin | 3.5999% | 3,447 |
| Noninterest income to average assets | 0.4659% | 4,030 |
| Noninterest expense to average assets | 2.0810% | 5,869 |
| Loan and lease loss provision to assets | 0.2667% | 1,323 |
| Net operating income to assets | 0.8052% | 3,321 |
| Return on assets (ROA) | 0.7970% | 3,494 |
| Pretax return on assets | 1.1521% | 2,887 |
| Return on Equity (ROE) | 4.5148% | 4,980 |
| Retained earnings to average equity (ytd only) | 1.4557% | 5,403 |
| Net charge-offs to loans | 0.4193% | 1,527 |
| Credit loss provision to net charge-offs | 89.5055% | 2,650 |
| Earnings coverage of net charge-offs (x) | 4.8008% | 3,348 |
| Efficiency ratio | 58.8399% | 5,579 |
| Assets per employee ($millions) | 7.8365% | 496 |
| Cash dividends to net income (ytd only)* | 67.7583% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 3,815 |
| Loan loss allowance to noncurrent loans | 104.2281% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 2,640 |
| Noncurrent loans to loans | 1.3614% | 3,139 |
| Net loans and leases to total assets | 69.2434% | 2,095 |
| Net loans and leases to deposits | 99.5624% | 486 |
| Net loans and leases to core deposits | 108.6182% | 641 |
| Total domestic deposits to total assets | 69.5478% | 6,618 |
| Equity capital to assets | 17.6555% | 358 |
| Core capital (leverage) ratio | 11.6110% | 1,940 |
| Tier 1 risk-based capital ratio | 13.2859% | 4,914 |
| Total risk-based capital ratio | 14.5364% | 4,854 |
| Memoranda: | ||
| Average total assets | $3,555,306,500 | 220 |
| Average earning assets | $3,008,168,000 | 224 |
| Average equity | $627,604,750 | 165 |
| Average total loans | $2,527,234,250 | 202 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,950 |
| Cost of funding earning assets | 0.4560% | 4,363 |
| Net interest margin | 3.5868% | 3,423 |
| Noninterest income to average assets | 0.4758% | 3,988 |
| Noninterest expense to average assets | 2.1079% | 5,853 |
| Loan and lease loss provision to assets | 0.3252% | 1,068 |
| Net operating income to assets | 0.7542% | 3,545 |
| Return on assets (ROA) | 0.7417% | 3,764 |
| Pretax return on assets | 1.0607% | 3,256 |
| Return on Equity (ROE) | 4.2016% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.1347% | 5,446 |
| Net charge-offs to loans | 0.4389% | 1,482 |
| Credit loss provision to net charge-offs | 103.7984% | 2,129 |
| Earnings coverage of net charge-offs (x) | 4.4814% | 3,117 |
| Efficiency ratio | 59.5610% | 5,534 |
| Assets per employee ($millions) | 7.5288% | 553 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,843 |
| Loan loss allowance to noncurrent loans | 79.4396% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.9335% | 2,244 |
| Noncurrent loans to loans | 1.8147% | 2,624 |
| Net loans and leases to total assets | 71.9031% | 1,593 |
| Net loans and leases to deposits | 97.0844% | 600 |
| Net loans and leases to core deposits | 106.3932% | 724 |
| Total domestic deposits to total assets | 74.0624% | 6,439 |
| Equity capital to assets | 17.9541% | 328 |
| Core capital (leverage) ratio | 11.6179% | 1,847 |
| Tier 1 risk-based capital ratio | 13.0504% | 5,103 |
| Total risk-based capital ratio | 14.3012% | 5,047 |
| Memoranda: | ||
| Average total assets | $3,546,646,670 | 219 |
| Average earning assets | $3,001,948,670 | 224 |
| Average equity | $626,042,000 | 165 |
| Average total loans | $2,531,145,670 | 199 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 4,088 |
| Cost of funding earning assets | 0.4655% | 4,422 |
| Net interest margin | 3.5424% | 3,508 |
| Noninterest income to average assets | 0.5093% | 3,713 |
| Noninterest expense to average assets | 2.1235% | 5,857 |
| Loan and lease loss provision to assets | 0.2534% | 1,412 |
| Net operating income to assets | 0.7692% | 3,335 |
| Return on assets (ROA) | 0.7528% | 3,560 |
| Pretax return on assets | 1.1071% | 2,930 |
| Return on Equity (ROE) | 4.3008% | 4,940 |
| Retained earnings to average equity (ytd only) | 1.2311% | 5,359 |
| Net charge-offs to loans | 0.3635% | 1,547 |
| Credit loss provision to net charge-offs | 98.7784% | 1,889 |
| Earnings coverage of net charge-offs (x) | 5.3966% | 2,370 |
| Efficiency ratio | 60.0243% | 5,584 |
| Assets per employee ($millions) | 7.7795% | 537 |
| Cash dividends to net income (ytd only)* | 71.3755% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 3,998 |
| Loan loss allowance to noncurrent loans | 100.3850% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 2,762 |
| Noncurrent loans to loans | 1.4489% | 3,392 |
| Net loans and leases to total assets | 69.8658% | 1,684 |
| Net loans and leases to deposits | 92.4209% | 769 |
| Net loans and leases to core deposits | 102.5153% | 803 |
| Total domestic deposits to total assets | 75.5952% | 6,402 |
| Equity capital to assets | 17.7051% | 353 |
| Core capital (leverage) ratio | 11.4017% | 1,944 |
| Tier 1 risk-based capital ratio | 13.0263% | 5,195 |
| Total risk-based capital ratio | 14.2763% | 5,146 |
| Memoranda: | ||
| Average total assets | $3,573,294,500 | 224 |
| Average earning assets | $3,024,967,500 | 226 |
| Average equity | $625,462,500 | 170 |
| Average total loans | $2,522,435,000 | 204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 4,480 |
| Cost of funding earning assets | 0.5806% | 4,530 |
| Net interest margin | 3.6484% | 3,885 |
| Noninterest income to average assets | 0.4632% | 4,150 |
| Noninterest expense to average assets | 2.1216% | 6,080 |
| Loan and lease loss provision to assets | 0.1938% | 3,213 |
| Net operating income to assets | 0.8400% | 3,096 |
| Return on assets (ROA) | 0.7659% | 3,686 |
| Pretax return on assets | 1.1262% | 3,063 |
| Return on Equity (ROE) | 4.4890% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.3167% | 5,212 |
| Net charge-offs to loans | 0.3124% | 3,080 |
| Credit loss provision to net charge-offs | 89.5852% | 3,490 |
| Earnings coverage of net charge-offs (x) | 6.6050% | 2,780 |
| Efficiency ratio | 59.0414% | 5,697 |
| Assets per employee ($millions) | 7.8071% | 548 |
| Cash dividends to net income (ytd only)* | 70.6688% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 3,976 |
| Loan loss allowance to noncurrent loans | 90.1439% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 2,711 |
| Noncurrent loans to loans | 1.5983% | 3,228 |
| Net loans and leases to total assets | 69.2785% | 1,980 |
| Net loans and leases to deposits | 90.9708% | 984 |
| Net loans and leases to core deposits | 101.1291% | 951 |
| Total domestic deposits to total assets | 76.1547% | 6,338 |
| Equity capital to assets | 17.3062% | 385 |
| Core capital (leverage) ratio | 11.1530% | 2,123 |
| Tier 1 risk-based capital ratio | 12.8299% | 5,233 |
| Total risk-based capital ratio | 14.0804% | 5,169 |
| Memoranda: | ||
| Average total assets | $3,621,293,400 | 219 |
| Average earning assets | $3,064,537,000 | 221 |
| Average equity | $617,846,000 | 168 |
| Average total loans | $2,507,760,400 | 197 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 4,678 |
| Cost of funding earning assets | 0.6090% | 4,546 |
| Net interest margin | 3.6294% | 4,104 |
| Noninterest income to average assets | 0.4481% | 4,309 |
| Noninterest expense to average assets | 2.1377% | 6,091 |
| Loan and lease loss provision to assets | 0.1864% | 3,256 |
| Net operating income to assets | 0.8125% | 3,387 |
| Return on assets (ROA) | 0.7423% | 3,978 |
| Pretax return on assets | 1.0915% | 3,381 |
| Return on Equity (ROE) | 4.3663% | 5,114 |
| Retained earnings to average equity (ytd only) | 1.1426% | 5,716 |
| Net charge-offs to loans | 0.3029% | 2,924 |
| Credit loss provision to net charge-offs | 89.2272% | 3,319 |
| Earnings coverage of net charge-offs (x) | 6.6101% | 2,756 |
| Efficiency ratio | 59.9879% | 5,502 |
| Assets per employee ($millions) | 7.2763% | 643 |
| Cash dividends to net income (ytd only)* | 73.8318% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 4,166 |
| Loan loss allowance to noncurrent loans | 83.2608% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 2,815 |
| Noncurrent loans to loans | 1.7397% | 3,176 |
| Net loans and leases to total assets | 70.3830% | 1,834 |
| Net loans and leases to deposits | 94.2549% | 772 |
| Net loans and leases to core deposits | 104.4869% | 845 |
| Total domestic deposits to total assets | 74.6731% | 6,545 |
| Equity capital to assets | 17.4687% | 403 |
| Core capital (leverage) ratio | 11.1544% | 2,253 |
| Tier 1 risk-based capital ratio | 12.9149% | 5,322 |
| Total risk-based capital ratio | 14.1658% | 5,283 |
| Memoranda: | ||
| Average total assets | $3,624,892,750 | 221 |
| Average earning assets | $3,067,060,000 | 222 |
| Average equity | $616,253,000 | 169 |
| Average total loans | $2,500,867,000 | 201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 4,956 |
| Cost of funding earning assets | 0.6461% | 4,476 |
| Net interest margin | 3.5541% | 4,449 |
| Noninterest income to average assets | 0.4541% | 4,261 |
| Noninterest expense to average assets | 2.1399% | 6,157 |
| Loan and lease loss provision to assets | 0.2035% | 3,041 |
| Net operating income to assets | 0.7609% | 3,551 |
| Return on assets (ROA) | 0.7051% | 4,105 |
| Pretax return on assets | 1.0367% | 3,573 |
| Return on Equity (ROE) | 4.1847% | 5,186 |
| Retained earnings to average equity (ytd only) | 0.8021% | 5,744 |
| Net charge-offs to loans | 0.3272% | 2,725 |
| Credit loss provision to net charge-offs | 91.1837% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.9256% | 2,730 |
| Efficiency ratio | 60.9953% | 5,421 |
| Assets per employee ($millions) | 7.2015% | 663 |
| Cash dividends to net income (ytd only)* | 80.8332% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 4,233 |
| Loan loss allowance to noncurrent loans | 94.4243% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6649% | 3,219 |
| Noncurrent loans to loans | 1.5399% | 3,596 |
| Net loans and leases to total assets | 68.3840% | 2,220 |
| Net loans and leases to deposits | 89.5990% | 1,185 |
| Net loans and leases to core deposits | 99.6783% | 1,124 |
| Total domestic deposits to total assets | 76.3223% | 6,417 |
| Equity capital to assets | 16.7928% | 467 |
| Core capital (leverage) ratio | 10.7609% | 2,529 |
| Tier 1 risk-based capital ratio | 12.7293% | 5,395 |
| Total risk-based capital ratio | 13.9801% | 5,365 |
| Memoranda: | ||
| Average total assets | $3,649,573,330 | 220 |
| Average earning assets | $3,088,790,670 | 222 |
| Average equity | $614,908,330 | 166 |
| Average total loans | $2,489,179,670 | 200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 5,050 |
| Cost of funding earning assets | 0.6901% | 4,365 |
| Net interest margin | 3.5259% | 4,581 |
| Noninterest income to average assets | 0.4480% | 4,304 |
| Noninterest expense to average assets | 2.1189% | 6,233 |
| Loan and lease loss provision to assets | 0.2181% | 2,755 |
| Net operating income to assets | 0.7444% | 3,656 |
| Return on assets (ROA) | 0.6928% | 4,141 |
| Pretax return on assets | 1.0185% | 3,613 |
| Return on Equity (ROE) | 4.1049% | 5,245 |
| Retained earnings to average equity (ytd only) | 0.4601% | 5,849 |
| Net charge-offs to loans | 0.3776% | 2,172 |
| Credit loss provision to net charge-offs | 85.4561% | 2,631 |
| Earnings coverage of net charge-offs (x) | 5.1416% | 2,433 |
| Efficiency ratio | 60.8822% | 5,474 |
| Assets per employee ($millions) | 7.0994% | 721 |
| Cash dividends to net income (ytd only)* | 88.7902% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 4,102 |
| Loan loss allowance to noncurrent loans | 90.0501% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 3,169 |
| Noncurrent loans to loans | 1.6775% | 3,587 |
| Net loans and leases to total assets | 66.1217% | 2,450 |
| Net loans and leases to deposits | 88.1311% | 1,148 |
| Net loans and leases to core deposits | 96.8105% | 1,221 |
| Total domestic deposits to total assets | 75.0266% | 6,641 |
| Equity capital to assets | 16.8587% | 449 |
| Core capital (leverage) ratio | 10.7255% | 2,523 |
| Tier 1 risk-based capital ratio | 12.8743% | 5,300 |
| Total risk-based capital ratio | 14.1255% | 5,283 |
| Memoranda: | ||
| Average total assets | $3,641,588,000 | 219 |
| Average earning assets | $3,081,164,000 | 220 |
| Average equity | $614,589,500 | 165 |
| Average total loans | $2,461,953,500 | 201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 5,392 |
| Cost of funding earning assets | 0.8209% | 4,701 |
| Net interest margin | 3.5864% | 4,784 |
| Noninterest income to average assets | 0.4800% | 3,993 |
| Noninterest expense to average assets | 2.0886% | 6,513 |
| Loan and lease loss provision to assets | 0.2868% | 3,366 |
| Net operating income to assets | 0.7833% | 3,122 |
| Return on assets (ROA) | 0.5799% | 4,282 |
| Pretax return on assets | 0.8467% | 3,787 |
| Return on Equity (ROE) | 3.5060% | 5,070 |
| Retained earnings to average equity (ytd only) | -0.0519% | 5,854 |
| Net charge-offs to loans | 0.3727% | 3,542 |
| Credit loss provision to net charge-offs | 112.7574% | 2,929 |
| Earnings coverage of net charge-offs (x) | 5.6321% | 2,727 |
| Efficiency ratio | 58.2713% | 6,014 |
| Assets per employee ($millions) | 7.1257% | 685 |
| Cash dividends to net income (ytd only)* | 101.4803% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,972 |
| Loan loss allowance to noncurrent loans | 87.2017% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.9000% | 3,106 |
| Noncurrent loans to loans | 1.7310% | 3,570 |
| Net loans and leases to total assets | 67.0516% | 2,577 |
| Net loans and leases to deposits | 89.2772% | 1,229 |
| Net loans and leases to core deposits | 99.2831% | 1,237 |
| Total domestic deposits to total assets | 75.1049% | 6,590 |
| Equity capital to assets | 16.8953% | 461 |
| Core capital (leverage) ratio | 10.3897% | 2,857 |
| Tier 1 risk-based capital ratio | 12.5625% | 5,398 |
| Total risk-based capital ratio | 13.8135% | 5,388 |
| Memoranda: | ||
| Average total assets | $3,704,223,400 | 211 |
| Average earning assets | $3,141,084,400 | 212 |
| Average equity | $612,720,000 | 165 |
| Average total loans | $2,527,889,800 | 198 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 5,362 |
| Cost of funding earning assets | 0.8438% | 4,816 |
| Net interest margin | 3.6231% | 4,684 |
| Noninterest income to average assets | 0.4735% | 4,100 |
| Noninterest expense to average assets | 2.0867% | 6,519 |
| Loan and lease loss provision to assets | 0.2838% | 3,253 |
| Net operating income to assets | 0.8041% | 3,135 |
| Return on assets (ROA) | 0.6382% | 4,116 |
| Pretax return on assets | 0.9318% | 3,645 |
| Return on Equity (ROE) | 3.8788% | 5,046 |
| Retained earnings to average equity (ytd only) | 0.0688% | 5,931 |
| Net charge-offs to loans | 0.3554% | 3,315 |
| Credit loss provision to net charge-offs | 116.9299% | 2,795 |
| Earnings coverage of net charge-offs (x) | 6.0131% | 2,637 |
| Efficiency ratio | 57.7688% | 6,050 |
| Assets per employee ($millions) | 7.3555% | 617 |
| Cash dividends to net income (ytd only)* | 98.2263% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 4,129 |
| Loan loss allowance to noncurrent loans | 93.3674% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 3,433 |
| Noncurrent loans to loans | 1.6000% | 3,898 |
| Net loans and leases to total assets | 66.0636% | 2,888 |
| Net loans and leases to deposits | 87.8055% | 1,455 |
| Net loans and leases to core deposits | 99.4058% | 1,303 |
| Total domestic deposits to total assets | 75.2386% | 6,614 |
| Equity capital to assets | 16.4844% | 549 |
| Core capital (leverage) ratio | 10.4184% | 2,974 |
| Tier 1 risk-based capital ratio | 12.3521% | 5,619 |
| Total risk-based capital ratio | 13.6028% | 5,603 |
| Memoranda: | ||
| Average total assets | $3,721,753,750 | 210 |
| Average earning assets | $3,156,283,750 | 213 |
| Average equity | $612,402,000 | 167 |
| Average total loans | $2,541,345,000 | 197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 5,260 |
| Cost of funding earning assets | 0.8700% | 4,902 |
| Net interest margin | 3.6603% | 4,471 |
| Noninterest income to average assets | 0.4845% | 3,985 |
| Noninterest expense to average assets | 2.1131% | 6,570 |
| Loan and lease loss provision to assets | 0.2999% | 3,006 |
| Net operating income to assets | 0.8049% | 3,050 |
| Return on assets (ROA) | 0.7077% | 3,611 |
| Pretax return on assets | 1.0331% | 3,109 |
| Return on Equity (ROE) | 4.3034% | 4,793 |
| Retained earnings to average equity (ytd only) | 0.0879% | 5,799 |
| Net charge-offs to loans | 0.3530% | 3,142 |
| Credit loss provision to net charge-offs | 123.6924% | 2,463 |
| Earnings coverage of net charge-offs (x) | 6.0873% | 2,474 |
| Efficiency ratio | 57.7717% | 6,194 |
| Assets per employee ($millions) | 7.2519% | 642 |
| Cash dividends to net income (ytd only)* | 97.9573% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 4,256 |
| Loan loss allowance to noncurrent loans | 104.0313% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 3,842 |
| Noncurrent loans to loans | 1.4134% | 4,300 |
| Net loans and leases to total assets | 66.6392% | 2,900 |
| Net loans and leases to deposits | 88.0017% | 1,501 |
| Net loans and leases to core deposits | 99.1512% | 1,422 |
| Total domestic deposits to total assets | 75.7249% | 6,640 |
| Equity capital to assets | 16.3754% | 563 |
| Core capital (leverage) ratio | 10.4605% | 2,754 |
| Tier 1 risk-based capital ratio | 12.2428% | 5,572 |
| Total risk-based capital ratio | 13.4933% | 5,553 |
| Memoranda: | ||
| Average total assets | $3,721,702,330 | 212 |
| Average earning assets | $3,156,672,670 | 216 |
| Average equity | $612,024,670 | 168 |
| Average total loans | $2,556,421,000 | 200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 4,944 |
| Cost of funding earning assets | 0.9026% | 4,898 |
| Net interest margin | 3.6983% | 4,118 |
| Noninterest income to average assets | 0.4607% | 4,181 |
| Noninterest expense to average assets | 2.1747% | 6,475 |
| Loan and lease loss provision to assets | 0.2997% | 2,760 |
| Net operating income to assets | 0.7656% | 3,192 |
| Return on assets (ROA) | 0.6547% | 3,804 |
| Pretax return on assets | 0.9558% | 3,298 |
| Return on Equity (ROE) | 3.9728% | 4,919 |
| Retained earnings to average equity (ytd only) | -0.8011% | 5,944 |
| Net charge-offs to loans | 0.2852% | 2,921 |
| Credit loss provision to net charge-offs | 151.8013% | 1,886 |
| Earnings coverage of net charge-offs (x) | 7.1850% | 1,987 |
| Efficiency ratio | 59.3726% | 6,068 |
| Assets per employee ($millions) | 7.4977% | 586 |
| Cash dividends to net income (ytd only)* | 120.1646% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 4,394 |
| Loan loss allowance to noncurrent loans | 92.0488% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 3,824 |
| Noncurrent loans to loans | 1.5853% | 4,106 |
| Net loans and leases to total assets | 66.6795% | 2,837 |
| Net loans and leases to deposits | 90.1195% | 1,217 |
| Net loans and leases to core deposits | 101.8871% | 1,207 |
| Total domestic deposits to total assets | 73.9901% | 6,902 |
| Equity capital to assets | 16.2858% | 528 |
| Core capital (leverage) ratio | 10.6104% | 2,498 |
| Tier 1 risk-based capital ratio | 12.0604% | 5,635 |
| Total risk-based capital ratio | 13.3108% | 5,631 |
| Memoranda: | ||
| Average total assets | $3,711,564,500 | 213 |
| Average earning assets | $3,143,829,000 | 219 |
| Average equity | $611,655,500 | 167 |
| Average total loans | $2,569,213,500 | 201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 4,739 |
| Cost of funding earning assets | 1.1049% | 5,111 |
| Net interest margin | 3.8562% | 3,706 |
| Noninterest income to average assets | 0.4736% | 4,360 |
| Noninterest expense to average assets | 2.1191% | 6,802 |
| Loan and lease loss provision to assets | 0.0536% | 6,614 |
| Net operating income to assets | 1.0837% | 1,745 |
| Return on assets (ROA) | 0.9821% | 2,213 |
| Pretax return on assets | 1.4278% | 1,571 |
| Return on Equity (ROE) | 6.1898% | 3,525 |
| Retained earnings to average equity (ytd only) | 1.3799% | 4,853 |
| Net charge-offs to loans | -0.0687% | 7,475 |
| Credit loss provision to net charge-offs | -109.6082% | 7,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2253% | 6,688 |
| Assets per employee ($millions) | 7.0245% | 733 |
| Cash dividends to net income (ytd only)* | 77.7078% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,553 |
| Loan loss allowance to noncurrent loans | 88.3865% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,805 |
| Noncurrent loans to loans | 1.5748% | 4,142 |
| Net loans and leases to total assets | 69.8290% | 2,573 |
| Net loans and leases to deposits | 92.6940% | 1,173 |
| Net loans and leases to core deposits | 103.5004% | 1,348 |
| Total domestic deposits to total assets | 75.3328% | 6,721 |
| Equity capital to assets | 16.6784% | 493 |
| Core capital (leverage) ratio | 10.3254% | 2,744 |
| Tier 1 risk-based capital ratio | 11.9408% | 5,529 |
| Total risk-based capital ratio | 13.1765% | 5,522 |
| Memoranda: | ||
| Average total assets | $3,813,024,000 | 208 |
| Average earning assets | $3,237,416,200 | 215 |
| Average equity | $604,991,400 | 168 |
| Average total loans | $2,710,194,000 | 191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 4,899 |
| Cost of funding earning assets | 1.1381% | 5,208 |
| Net interest margin | 3.8437% | 3,778 |
| Noninterest income to average assets | 0.4986% | 4,202 |
| Noninterest expense to average assets | 2.1081% | 6,828 |
| Loan and lease loss provision to assets | 0.3929% | 3,538 |
| Net operating income to assets | 0.8718% | 2,724 |
| Return on assets (ROA) | 0.8053% | 3,127 |
| Pretax return on assets | 1.1678% | 2,608 |
| Return on Equity (ROE) | 5.1381% | 4,223 |
| Retained earnings to average equity (ytd only) | 0.6742% | 5,533 |
| Net charge-offs to loans | 0.4143% | 3,636 |
| Credit loss provision to net charge-offs | 133.3177% | 3,033 |
| Earnings coverage of net charge-offs (x) | 5.6229% | 2,705 |
| Efficiency ratio | 54.6334% | 6,725 |
| Assets per employee ($millions) | 7.2788% | 686 |
| Cash dividends to net income (ytd only)* | 86.8780% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,798 |
| Loan loss allowance to noncurrent loans | 88.3896% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.6516% | 3,965 |
| Noncurrent loans to loans | 1.5050% | 4,380 |
| Net loans and leases to total assets | 67.6919% | 3,293 |
| Net loans and leases to deposits | 91.9730% | 1,451 |
| Net loans and leases to core deposits | 106.1506% | 1,312 |
| Total domestic deposits to total assets | 73.5998% | 6,973 |
| Equity capital to assets | 15.7872% | 715 |
| Core capital (leverage) ratio | 10.1178% | 3,129 |
| Tier 1 risk-based capital ratio | 11.5202% | 5,917 |
| Total risk-based capital ratio | 12.6933% | 5,967 |
| Memoranda: | ||
| Average total assets | $3,849,581,250 | 205 |
| Average earning assets | $3,271,566,500 | 210 |
| Average equity | $603,349,000 | 166 |
| Average total loans | $2,738,585,000 | 188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,744 |
| Cost of funding earning assets | 1.1811% | 5,232 |
| Net interest margin | 3.8599% | 3,637 |
| Noninterest income to average assets | 0.4891% | 4,201 |
| Noninterest expense to average assets | 2.1175% | 6,846 |
| Loan and lease loss provision to assets | 0.3379% | 3,707 |
| Net operating income to assets | 0.8996% | 2,553 |
| Return on assets (ROA) | 0.8624% | 2,820 |
| Pretax return on assets | 1.2590% | 2,230 |
| Return on Equity (ROE) | 5.5159% | 4,035 |
| Retained earnings to average equity (ytd only) | 1.6635% | 5,040 |
| Net charge-offs to loans | 0.4024% | 3,372 |
| Credit loss provision to net charge-offs | 116.6547% | 3,481 |
| Earnings coverage of net charge-offs (x) | 5.7024% | 2,612 |
| Efficiency ratio | 54.7680% | 6,788 |
| Assets per employee ($millions) | 6.9889% | 773 |
| Cash dividends to net income (ytd only)* | 69.8417% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 5,335 |
| Loan loss allowance to noncurrent loans | 86.0341% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 4,358 |
| Noncurrent loans to loans | 1.4223% | 4,581 |
| Net loans and leases to total assets | 71.7378% | 2,476 |
| Net loans and leases to deposits | 98.0733% | 868 |
| Net loans and leases to core deposits | 110.1875% | 1,153 |
| Total domestic deposits to total assets | 73.1472% | 7,080 |
| Equity capital to assets | 16.2628% | 633 |
| Core capital (leverage) ratio | 10.2392% | 2,897 |
| Tier 1 risk-based capital ratio | 11.5037% | 5,767 |
| Total risk-based capital ratio | 12.6130% | 5,878 |
| Memoranda: | ||
| Average total assets | $3,851,705,330 | 205 |
| Average earning assets | $3,273,003,670 | 210 |
| Average equity | $602,219,670 | 167 |
| Average total loans | $2,772,575,330 | 187 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 5,008 |
| Cost of funding earning assets | 1.2186% | 5,293 |
| Net interest margin | 3.7852% | 3,853 |
| Noninterest income to average assets | 0.4500% | 4,466 |
| Noninterest expense to average assets | 2.0832% | 6,990 |
| Loan and lease loss provision to assets | 0.3288% | 3,428 |
| Net operating income to assets | 0.8648% | 2,695 |
| Return on assets (ROA) | 0.8438% | 2,871 |
| Pretax return on assets | 1.2317% | 2,257 |
| Return on Equity (ROE) | 5.5020% | 4,099 |
| Retained earnings to average equity (ytd only) | 1.9678% | 4,955 |
| Net charge-offs to loans | 0.4324% | 2,751 |
| Credit loss provision to net charge-offs | 106.0706% | 3,236 |
| Earnings coverage of net charge-offs (x) | 5.1330% | 2,459 |
| Efficiency ratio | 55.2117% | 6,858 |
| Assets per employee ($millions) | 7.0504% | 796 |
| Cash dividends to net income (ytd only)* | 64.2346% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,651 |
| Loan loss allowance to noncurrent loans | 83.2506% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5033% | 4,250 |
| Noncurrent loans to loans | 1.4066% | 4,624 |
| Net loans and leases to total assets | 72.3277% | 2,377 |
| Net loans and leases to deposits | 96.9129% | 1,009 |
| Net loans and leases to core deposits | 125.8982% | 587 |
| Total domestic deposits to total assets | 74.6316% | 6,967 |
| Equity capital to assets | 15.9861% | 670 |
| Core capital (leverage) ratio | 9.8134% | 3,385 |
| Tier 1 risk-based capital ratio | 11.1968% | 5,962 |
| Total risk-based capital ratio | 12.2627% | 6,117 |
| Memoranda: | ||
| Average total assets | $3,911,509,500 | 206 |
| Average earning assets | $3,331,826,000 | 210 |
| Average equity | $599,857,500 | 167 |
| Average total loans | $2,803,616,500 | 192 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 5,886 |
| Cost of funding earning assets | 1.5221% | 5,426 |
| Net interest margin | 3.6261% | 4,450 |
| Noninterest income to average assets | 0.4709% | 4,646 |
| Noninterest expense to average assets | 1.9835% | 7,388 |
| Loan and lease loss provision to assets | 0.8097% | 2,706 |
| Net operating income to assets | 0.5725% | 3,433 |
| Return on assets (ROA) | 0.5215% | 3,733 |
| Pretax return on assets | 0.7216% | 3,504 |
| Return on Equity (ROE) | 3.6276% | 4,242 |
| Retained earnings to average equity (ytd only) | 1.8844% | 3,774 |
| Net charge-offs to loans | 1.0431% | 2,324 |
| Credit loss provision to net charge-offs | 108.6416% | 5,097 |
| Earnings coverage of net charge-offs (x) | 2.1496% | 4,112 |
| Efficiency ratio | 53.5806% | 7,268 |
| Assets per employee ($millions) | 7.5307% | 631 |
| Cash dividends to net income (ytd only)* | 48.0545% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 5,726 |
| Loan loss allowance to noncurrent loans | 77.0194% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.4765% | 4,174 |
| Noncurrent loans to loans | 1.4730% | 4,457 |
| Net loans and leases to total assets | 69.4692% | 3,371 |
| Net loans and leases to deposits | 91.7285% | 1,929 |
| Net loans and leases to core deposits | 123.7640% | 1,653 |
| Total domestic deposits to total assets | 75.7335% | 6,733 |
| Equity capital to assets | 14.7279% | 969 |
| Core capital (leverage) ratio | 8.9425% | 4,517 |
| Tier 1 risk-based capital ratio | 10.6541% | 6,248 |
| Total risk-based capital ratio | 11.8605% | 6,268 |
| Memoranda: | ||
| Average total assets | $4,109,968,000 | 203 |
| Average earning assets | $3,530,322,000 | 209 |
| Average equity | $590,862,200 | 163 |
| Average total loans | $2,936,621,400 | 198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 5,949 |
| Cost of funding earning assets | 1.5549% | 5,611 |
| Net interest margin | 3.6286% | 4,381 |
| Noninterest income to average assets | 0.4840% | 4,631 |
| Noninterest expense to average assets | 1.9944% | 7,398 |
| Loan and lease loss provision to assets | 0.9624% | 1,999 |
| Net operating income to assets | 0.4732% | 4,106 |
| Return on assets (ROA) | 0.4239% | 4,408 |
| Pretax return on assets | 0.5791% | 4,256 |
| Return on Equity (ROE) | 2.9663% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.9714% | 4,224 |
| Net charge-offs to loans | 1.2316% | 1,662 |
| Credit loss provision to net charge-offs | 108.9303% | 4,664 |
| Earnings coverage of net charge-offs (x) | 1.8211% | 4,436 |
| Efficiency ratio | 53.5683% | 7,284 |
| Assets per employee ($millions) | 7.7304% | 570 |
| Cash dividends to net income (ytd only)* | 33.5391% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,473 |
| Loan loss allowance to noncurrent loans | 86.5431% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.4126% | 4,278 |
| Noncurrent loans to loans | 1.3184% | 4,735 |
| Net loans and leases to total assets | 67.4042% | 4,091 |
| Net loans and leases to deposits | 91.5902% | 2,310 |
| Net loans and leases to core deposits | 126.4660% | 1,699 |
| Total domestic deposits to total assets | 73.5933% | 7,016 |
| Equity capital to assets | 14.2855% | 1,209 |
| Core capital (leverage) ratio | 9.1742% | 4,372 |
| Tier 1 risk-based capital ratio | 10.3449% | 6,627 |
| Total risk-based capital ratio | 11.5206% | 6,660 |
| Memoranda: | ||
| Average total assets | $4,126,457,000 | 212 |
| Average earning assets | $3,547,545,750 | 218 |
| Average equity | $589,678,250 | 166 |
| Average total loans | $2,960,382,000 | 206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 5,805 |
| Cost of funding earning assets | 1.6230% | 5,651 |
| Net interest margin | 3.6436% | 4,200 |
| Noninterest income to average assets | 0.4962% | 4,481 |
| Noninterest expense to average assets | 2.0371% | 7,396 |
| Loan and lease loss provision to assets | 1.1985% | 1,432 |
| Net operating income to assets | 0.3023% | 4,889 |
| Return on assets (ROA) | 0.3002% | 5,014 |
| Pretax return on assets | 0.3900% | 4,962 |
| Return on Equity (ROE) | 2.1002% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.7595% | 4,362 |
| Net charge-offs to loans | 1.6361% | 1,158 |
| Credit loss provision to net charge-offs | 100.4202% | 4,544 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,522 |
| Efficiency ratio | 54.3099% | 7,299 |
| Assets per employee ($millions) | 7.2259% | 698 |
| Cash dividends to net income (ytd only)* | 16.2206% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,208 |
| Loan loss allowance to noncurrent loans | 89.8981% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3248% | 4,301 |
| Noncurrent loans to loans | 1.1173% | 4,985 |
| Net loans and leases to total assets | 72.4814% | 3,092 |
| Net loans and leases to deposits | 100.8954% | 1,183 |
| Net loans and leases to core deposits | 135.4023% | 1,247 |
| Total domestic deposits to total assets | 71.8381% | 7,258 |
| Equity capital to assets | 14.7617% | 1,093 |
| Core capital (leverage) ratio | 8.8772% | 4,823 |
| Tier 1 risk-based capital ratio | 9.9381% | 6,997 |
| Total risk-based capital ratio | 11.0122% | 7,113 |
| Memoranda: | ||
| Average total assets | $4,107,888,670 | 213 |
| Average earning assets | $3,531,426,000 | 222 |
| Average equity | $587,090,330 | 171 |
| Average total loans | $2,996,680,000 | 207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 6,020 |
| Cost of funding earning assets | 1.7238% | 5,504 |
| Net interest margin | 3.5477% | 4,531 |
| Noninterest income to average assets | 0.3180% | 5,905 |
| Noninterest expense to average assets | 1.8816% | 7,582 |
| Loan and lease loss provision to assets | 0.3975% | 2,943 |
| Net operating income to assets | 0.7496% | 3,353 |
| Return on assets (ROA) | 0.7486% | 3,532 |
| Pretax return on assets | 1.0932% | 3,010 |
| Return on Equity (ROE) | 5.3223% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.9115% | 3,178 |
| Net charge-offs to loans | 0.5776% | 2,019 |
| Credit loss provision to net charge-offs | 94.5042% | 3,905 |
| Earnings coverage of net charge-offs (x) | 3.5477% | 3,146 |
| Efficiency ratio | 53.7612% | 7,241 |
| Assets per employee ($millions) | 7.3209% | 669 |
| Cash dividends to net income (ytd only)* | 7.7200% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 6,356 |
| Loan loss allowance to noncurrent loans | 76.6826% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 4,167 |
| Noncurrent loans to loans | 1.2685% | 4,448 |
| Net loans and leases to total assets | 72.2628% | 3,189 |
| Net loans and leases to deposits | 105.8120% | 880 |
| Net loans and leases to core deposits | 139.7444% | 1,115 |
| Total domestic deposits to total assets | 68.2936% | 7,576 |
| Equity capital to assets | 14.2074% | 1,305 |
| Core capital (leverage) ratio | 8.7475% | 5,066 |
| Tier 1 risk-based capital ratio | 9.4846% | 7,436 |
| Total risk-based capital ratio | 10.4962% | 7,614 |
| Memoranda: | ||
| Average total assets | $4,153,034,000 | 210 |
| Average earning assets | $3,577,232,500 | 220 |
| Average equity | $584,103,500 | 167 |
| Average total loans | $3,024,242,000 | 204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0042% | 5,528 |
| Cost of funding earning assets | 2.2618% | 5,331 |
| Net interest margin | 3.7423% | 4,260 |
| Noninterest income to average assets | 0.6304% | 3,631 |
| Noninterest expense to average assets | 2.0223% | 7,399 |
| Loan and lease loss provision to assets | 0.3290% | 3,760 |
| Net operating income to assets | 1.0451% | 2,381 |
| Return on assets (ROA) | 1.0471% | 2,260 |
| Pretax return on assets | 1.5082% | 1,661 |
| Return on Equity (ROE) | 7.3074% | 3,366 |
| Retained earnings to average equity (ytd only) | 4.0524% | 2,608 |
| Net charge-offs to loans | 0.3666% | 2,999 |
| Credit loss provision to net charge-offs | 127.6971% | 4,179 |
| Earnings coverage of net charge-offs (x) | 7.1200% | 3,185 |
| Efficiency ratio | 50.3745% | 7,634 |
| Assets per employee ($millions) | 7.2142% | 642 |
| Cash dividends to net income (ytd only)* | 44.5445% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 6,205 |
| Loan loss allowance to noncurrent loans | 102.3442% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 4,512 |
| Noncurrent loans to loans | 0.9587% | 4,686 |
| Net loans and leases to total assets | 71.9557% | 3,598 |
| Net loans and leases to deposits | 104.7356% | 1,267 |
| Net loans and leases to core deposits | 128.6905% | 1,948 |
| Total domestic deposits to total assets | 68.7022% | 7,407 |
| Equity capital to assets | 13.9227% | 1,452 |
| Core capital (leverage) ratio | 8.5101% | 5,566 |
| Tier 1 risk-based capital ratio | 9.1987% | 7,617 |
| Total risk-based capital ratio | 10.2103% | 7,818 |
| Memoranda: | ||
| Average total assets | $4,116,263,000 | 206 |
| Average earning assets | $3,548,437,000 | 213 |
| Average equity | $589,852,000 | 170 |
| Average total loans | $2,892,419,200 | 205 |