Home > 1st Source Bank > Performance and Condition Ratios
1st Source 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 | 5.3329% | 1,428 |
| Cost of funding earning assets | 1.6705% | 1,517 |
| Net interest margin | 3.6624% | 1,830 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 2.3475% | 2,724 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.5842% | 883 |
| Return on assets (ROA) | 1.5568% | 895 |
| Pretax return on assets | 2.0056% | 666 |
| Return on Equity (ROE) | 14.6800% | 1,348 |
| Retained earnings to average equity (ytd only) | 9.0927% | 1,231 |
| Net charge-offs to loans | -0.0387% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.2843% | 3,806 |
| Assets per employee ($millions) | 7.4515% | 1,764 |
| Cash dividends to net income (ytd only)* | 38.0609% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2631% | 255 |
| Loan loss allowance to noncurrent loans | 588.3254% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,796 |
| Noncurrent loans to loans | 0.3847% | 1,834 |
| Net loans and leases to total assets | 73.0300% | 1,469 |
| Net loans and leases to deposits | 90.5288% | 1,225 |
| Net loans and leases to core deposits | 104.3159% | 1,202 |
| Total domestic deposits to total assets | 80.6700% | 3,360 |
| Equity capital to assets | 11.0671% | 1,441 |
| Core capital (leverage) ratio | 12.3422% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2134% | 1,472 |
| Memoranda: | ||
| Average total assets | $8,463,939,600 | 180 |
| Average earning assets | $7,817,650,600 | 175 |
| Average equity | $897,577,200 | 178 |
| Average total loans | $6,245,647,400 | 173 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 1,462 |
| Cost of funding earning assets | 1.5461% | 1,491 |
| Net interest margin | 3.6490% | 1,887 |
| Noninterest income to average assets | 1.1200% | 543 |
| Noninterest expense to average assets | 2.3174% | 2,739 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.6039% | 937 |
| Return on assets (ROA) | 1.6031% | 932 |
| Pretax return on assets | 2.0728% | 692 |
| Return on Equity (ROE) | 15.2900% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.6583% | 1,504 |
| Net charge-offs to loans | -0.0184% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.5509% | 3,794 |
| Assets per employee ($millions) | 7.3084% | 1,751 |
| Cash dividends to net income (ytd only)* | 36.8312% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 268 |
| Loan loss allowance to noncurrent loans | 787.8493% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 2,185 |
| Noncurrent loans to loans | 0.2877% | 2,209 |
| Net loans and leases to total assets | 72.9100% | 1,478 |
| Net loans and leases to deposits | 89.1604% | 1,295 |
| Net loans and leases to core deposits | 102.5018% | 1,184 |
| Total domestic deposits to total assets | 81.7700% | 3,257 |
| Equity capital to assets | 10.5951% | 1,513 |
| Core capital (leverage) ratio | 12.1113% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0856% | 1,538 |
| Memoranda: | ||
| Average total assets | $8,398,487,750 | 183 |
| Average earning assets | $7,759,287,250 | 177 |
| Average equity | $880,549,250 | 183 |
| Average total loans | $6,177,072,500 | 175 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 1,471 |
| Cost of funding earning assets | 1.3802% | 1,502 |
| Net interest margin | 3.6675% | 1,884 |
| Noninterest income to average assets | 1.1100% | 486 |
| Noninterest expense to average assets | 2.3113% | 2,767 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.6015% | 945 |
| Return on assets (ROA) | 1.6002% | 951 |
| Pretax return on assets | 2.0685% | 666 |
| Return on Equity (ROE) | 15.3200% | 1,410 |
| Retained earnings to average equity (ytd only) | 9.6378% | 1,500 |
| Net charge-offs to loans | -0.0385% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3875% | 3,818 |
| Assets per employee ($millions) | 6.9633% | 1,953 |
| Cash dividends to net income (ytd only)* | 37.0790% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3086% | 264 |
| Loan loss allowance to noncurrent loans | 662.2468% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 1,903 |
| Noncurrent loans to loans | 0.3486% | 1,880 |
| Net loans and leases to total assets | 72.2100% | 1,505 |
| Net loans and leases to deposits | 87.0590% | 1,422 |
| Net loans and leases to core deposits | 99.0958% | 1,286 |
| Total domestic deposits to total assets | 82.9400% | 3,062 |
| Equity capital to assets | 10.6152% | 1,544 |
| Core capital (leverage) ratio | 11.9586% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2905% | 1,487 |
| Memoranda: | ||
| Average total assets | $8,357,451,667 | 178 |
| Average earning assets | $7,726,631,333 | 173 |
| Average equity | $873,108,000 | 175 |
| Average total loans | $6,117,174,667 | 171 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 1,407 |
| Cost of funding earning assets | 1.1798% | 1,506 |
| Net interest margin | 3.7225% | 1,845 |
| Noninterest income to average assets | 1.1200% | 484 |
| Noninterest expense to average assets | 2.3154% | 2,780 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.5942% | 990 |
| Return on assets (ROA) | 1.5922% | 995 |
| Pretax return on assets | 2.0542% | 708 |
| Return on Equity (ROE) | 15.3700% | 1,482 |
| Retained earnings to average equity (ytd only) | 9.6205% | 1,786 |
| Net charge-offs to loans | -0.0128% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.6806% | 3,881 |
| Assets per employee ($millions) | 7.0677% | 1,930 |
| Cash dividends to net income (ytd only)* | 37.3877% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3291% | 267 |
| Loan loss allowance to noncurrent loans | 740.8942% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 1,954 |
| Noncurrent loans to loans | 0.3144% | 2,017 |
| Net loans and leases to total assets | 71.7800% | 1,447 |
| Net loans and leases to deposits | 87.8610% | 1,222 |
| Net loans and leases to core deposits | 98.7615% | 1,140 |
| Total domestic deposits to total assets | 81.7000% | 3,534 |
| Equity capital to assets | 10.6140% | 1,507 |
| Core capital (leverage) ratio | 11.7529% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2647% | 1,555 |
| Memoranda: | ||
| Average total assets | $8,330,324,500 | 184 |
| Average earning assets | $7,707,137,000 | 178 |
| Average equity | $863,201,000 | 183 |
| Average total loans | $6,066,930,000 | 177 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 1,975 |
| Cost of funding earning assets | 0.3608% | 2,394 |
| Net interest margin | 3.5425% | 1,806 |
| Noninterest income to average assets | 1.1300% | 527 |
| Noninterest expense to average assets | 2.2591% | 2,864 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.5171% | 843 |
| Return on assets (ROA) | 1.5150% | 824 |
| Pretax return on assets | 1.9755% | 506 |
| Return on Equity (ROE) | 14.4500% | 1,420 |
| Retained earnings to average equity (ytd only) | 8.6217% | 1,595 |
| Net charge-offs to loans | 0.0261% | 1,535 |
| Credit loss provision to net charge-offs | 901.6338% | 462 |
| Earnings coverage of net charge-offs (x) | 119.2110% | 890 |
| Efficiency ratio | 51.1298% | 4,054 |
| Assets per employee ($millions) | 7.2414% | 1,793 |
| Cash dividends to net income (ytd only)* | 40.3502% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3153% | 257 |
| Loan loss allowance to noncurrent loans | 506.9083% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 1,528 |
| Noncurrent loans to loans | 0.4568% | 1,569 |
| Net loans and leases to total assets | 70.5000% | 1,585 |
| Net loans and leases to deposits | 84.8031% | 1,403 |
| Net loans and leases to core deposits | 92.7268% | 1,354 |
| Total domestic deposits to total assets | 83.1300% | 3,391 |
| Equity capital to assets | 10.1106% | 1,659 |
| Core capital (leverage) ratio | 11.6979% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0098% | 1,627 |
| Memoranda: | ||
| Average total assets | $8,111,896,000 | 184 |
| Average earning assets | $7,527,382,000 | 181 |
| Average equity | $850,251,200 | 183 |
| Average total loans | $5,619,042,200 | 178 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 2,104 |
| Cost of funding earning assets | 0.2361% | 2,860 |
| Net interest margin | 3.4429% | 1,832 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.2386% | 2,823 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4916% | 869 |
| Return on assets (ROA) | 1.4910% | 853 |
| Pretax return on assets | 1.9392% | 533 |
| Return on Equity (ROE) | 14.1000% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.2770% | 1,897 |
| Net charge-offs to loans | -0.0082% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.7416% | 4,033 |
| Assets per employee ($millions) | 7.1181% | 1,866 |
| Cash dividends to net income (ytd only)* | 41.2816% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 268 |
| Loan loss allowance to noncurrent loans | 464.2452% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 1,497 |
| Noncurrent loans to loans | 0.5072% | 1,531 |
| Net loans and leases to total assets | 69.5600% | 1,519 |
| Net loans and leases to deposits | 85.0140% | 1,235 |
| Net loans and leases to core deposits | 88.4403% | 1,392 |
| Total domestic deposits to total assets | 81.8200% | 3,867 |
| Equity capital to assets | 9.9800% | 1,634 |
| Core capital (leverage) ratio | 11.7687% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3997% | 1,601 |
| Memoranda: | ||
| Average total assets | $8,056,143,500 | 185 |
| Average earning assets | $7,485,930,000 | 180 |
| Average equity | $852,137,000 | 182 |
| Average total loans | $5,520,033,750 | 179 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 2,219 |
| Cost of funding earning assets | 0.1663% | 3,365 |
| Net interest margin | 3.3058% | 1,893 |
| Noninterest income to average assets | 1.1472% | 512 |
| Noninterest expense to average assets | 2.2321% | 2,759 |
| Loan and lease loss provision to assets | 0.1501% | 634 |
| Net operating income to assets | 1.4190% | 863 |
| Return on assets (ROA) | 1.4183% | 846 |
| Pretax return on assets | 1.8437% | 540 |
| Return on Equity (ROE) | 13.1598% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.4399% | 1,834 |
| Net charge-offs to loans | -0.0234% | 3,951 |
| Credit loss provision to net charge-offs | -743.4851% | 3,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8061% | 4,063 |
| Assets per employee ($millions) | 7.0211% | 1,926 |
| Cash dividends to net income (ytd only)* | 43.4647% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3911% | 293 |
| Loan loss allowance to noncurrent loans | 380.5276% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 1,304 |
| Noncurrent loans to loans | 0.6284% | 1,349 |
| Net loans and leases to total assets | 67.5858% | 1,515 |
| Net loans and leases to deposits | 80.4085% | 1,352 |
| Net loans and leases to core deposits | 83.4205% | 1,487 |
| Total domestic deposits to total assets | 84.0530% | 3,681 |
| Equity capital to assets | 10.4961% | 1,436 |
| Core capital (leverage) ratio | 11.3566% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7030% | 1,507 |
| Memoranda: | ||
| Average total assets | $8,043,752,000 | 182 |
| Average earning assets | $7,492,689,667 | 181 |
| Average equity | $866,944,333 | 180 |
| Average total loans | $5,438,333,000 | 179 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 2,391 |
| Cost of funding earning assets | 0.1355% | 3,696 |
| Net interest margin | 3.1631% | 1,985 |
| Noninterest income to average assets | 1.1501% | 520 |
| Noninterest expense to average assets | 2.2108% | 2,811 |
| Loan and lease loss provision to assets | 0.1471% | 541 |
| Net operating income to assets | 1.3473% | 905 |
| Return on assets (ROA) | 1.3467% | 893 |
| Pretax return on assets | 1.7471% | 621 |
| Return on Equity (ROE) | 12.3346% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.6948% | 1,997 |
| Net charge-offs to loans | -0.0174% | 3,842 |
| Credit loss provision to net charge-offs | -954.2735% | 3,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8424% | 4,063 |
| Assets per employee ($millions) | 7.0449% | 1,964 |
| Cash dividends to net income (ytd only)* | 45.7235% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4072% | 317 |
| Loan loss allowance to noncurrent loans | 349.4837% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 1,316 |
| Noncurrent loans to loans | 0.6888% | 1,379 |
| Net loans and leases to total assets | 65.7771% | 1,431 |
| Net loans and leases to deposits | 78.9500% | 1,215 |
| Net loans and leases to core deposits | 82.3308% | 1,333 |
| Total domestic deposits to total assets | 83.3149% | 3,900 |
| Equity capital to assets | 10.6275% | 1,534 |
| Core capital (leverage) ratio | 11.3783% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8197% | 1,556 |
| Memoranda: | ||
| Average total assets | $8,053,042,500 | 184 |
| Average earning assets | $7,524,276,000 | 183 |
| Average equity | $879,251,000 | 183 |
| Average total loans | $5,379,129,000 | 180 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 2,501 |
| Cost of funding earning assets | 0.1826% | 3,629 |
| Net interest margin | 3.3721% | 2,108 |
| Noninterest income to average assets | 1.3091% | 629 |
| Noninterest expense to average assets | 2.4173% | 2,435 |
| Loan and lease loss provision to assets | -0.0596% | 4,404 |
| Net operating income to assets | 1.5957% | 822 |
| Return on assets (ROA) | 1.5885% | 871 |
| Pretax return on assets | 2.0718% | 531 |
| Return on Equity (ROE) | 13.8790% | 1,221 |
| Retained earnings to average equity (ytd only) | 8.6514% | 1,299 |
| Net charge-offs to loans | 0.1624% | 594 |
| Credit loss provision to net charge-offs | -48.5721% | 3,253 |
| Earnings coverage of net charge-offs (x) | 17.6204% | 1,936 |
| Efficiency ratio | 54.4546% | 3,884 |
| Assets per employee ($millions) | 7.1583% | 1,823 |
| Cash dividends to net income (ytd only)* | 37.6656% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3788% | 336 |
| Loan loss allowance to noncurrent loans | 316.4515% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 1,339 |
| Noncurrent loans to loans | 0.7517% | 1,354 |
| Net loans and leases to total assets | 64.6245% | 1,635 |
| Net loans and leases to deposits | 78.3285% | 1,370 |
| Net loans and leases to core deposits | 81.8024% | 1,475 |
| Total domestic deposits to total assets | 82.5045% | 3,893 |
| Equity capital to assets | 11.2059% | 1,660 |
| Core capital (leverage) ratio | 11.0801% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7147% | 1,611 |
| Memoranda: | ||
| Average total assets | $7,722,844,800 | 191 |
| Average earning assets | $7,167,167,800 | 185 |
| Average equity | $883,903,000 | 184 |
| Average total loans | $5,455,401,800 | 181 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 2,563 |
| Cost of funding earning assets | 0.1941% | 3,675 |
| Net interest margin | 3.4058% | 2,137 |
| Noninterest income to average assets | 1.3505% | 654 |
| Noninterest expense to average assets | 2.4086% | 2,413 |
| Loan and lease loss provision to assets | -0.0581% | 4,481 |
| Net operating income to assets | 1.6531% | 913 |
| Return on assets (ROA) | 1.6435% | 973 |
| Pretax return on assets | 2.1422% | 622 |
| Return on Equity (ROE) | 14.2805% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.0183% | 1,682 |
| Net charge-offs to loans | 0.0903% | 799 |
| Credit loss provision to net charge-offs | -85.8066% | 3,209 |
| Earnings coverage of net charge-offs (x) | 32.3068% | 1,487 |
| Efficiency ratio | 53.4605% | 3,873 |
| Assets per employee ($millions) | 7.0492% | 1,831 |
| Cash dividends to net income (ytd only)* | 36.8486% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4800% | 297 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 1,373 |
| Noncurrent loans to loans | 0.8267% | 1,382 |
| Net loans and leases to total assets | 66.0296% | 1,543 |
| Net loans and leases to deposits | 80.6339% | 1,229 |
| Net loans and leases to core deposits | 84.6904% | 1,371 |
| Total domestic deposits to total assets | 81.8882% | 3,947 |
| Equity capital to assets | 11.3291% | 1,781 |
| Core capital (leverage) ratio | 11.2241% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5155% | 1,789 |
| Memoranda: | ||
| Average total assets | $7,629,555,000 | 193 |
| Average earning assets | $7,066,405,000 | 187 |
| Average equity | $878,071,000 | 182 |
| Average total loans | $5,479,377,750 | 181 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 2,722 |
| Cost of funding earning assets | 0.2058% | 3,692 |
| Net interest margin | 3.3628% | 2,264 |
| Noninterest income to average assets | 1.3736% | 627 |
| Noninterest expense to average assets | 2.3848% | 2,516 |
| Loan and lease loss provision to assets | -0.0215% | 4,436 |
| Net operating income to assets | 1.6229% | 1,001 |
| Return on assets (ROA) | 1.6083% | 1,091 |
| Pretax return on assets | 2.1022% | 680 |
| Return on Equity (ROE) | 13.8976% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.5860% | 1,858 |
| Net charge-offs to loans | 0.1331% | 598 |
| Credit loss provision to net charge-offs | -17.1031% | 2,917 |
| Earnings coverage of net charge-offs (x) | 21.5221% | 1,505 |
| Efficiency ratio | 53.1791% | 3,906 |
| Assets per employee ($millions) | 6.6103% | 2,089 |
| Cash dividends to net income (ytd only)* | 38.2194% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4840% | 281 |
| Loan loss allowance to noncurrent loans | 239.1879% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 1,112 |
| Noncurrent loans to loans | 1.0385% | 1,183 |
| Net loans and leases to total assets | 69.3335% | 1,282 |
| Net loans and leases to deposits | 84.3557% | 1,038 |
| Net loans and leases to core deposits | 89.0664% | 1,202 |
| Total domestic deposits to total assets | 82.1919% | 3,889 |
| Equity capital to assets | 11.4699% | 1,652 |
| Core capital (leverage) ratio | 11.1323% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3765% | 1,843 |
| Memoranda: | ||
| Average total assets | $7,517,550,000 | 195 |
| Average earning assets | $6,952,932,333 | 194 |
| Average equity | $869,951,000 | 183 |
| Average total loans | $5,508,040,000 | 182 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 2,520 |
| Cost of funding earning assets | 0.2188% | 3,732 |
| Net interest margin | 3.4219% | 2,052 |
| Noninterest income to average assets | 1.3983% | 680 |
| Noninterest expense to average assets | 2.3805% | 2,559 |
| Loan and lease loss provision to assets | 0.1344% | 1,007 |
| Net operating income to assets | 1.5629% | 1,194 |
| Return on assets (ROA) | 1.5629% | 1,258 |
| Pretax return on assets | 2.0413% | 890 |
| Return on Equity (ROE) | 13.4433% | 1,560 |
| Retained earnings to average equity (ytd only) | 8.0836% | 2,210 |
| Net charge-offs to loans | 0.2539% | 336 |
| Credit loss provision to net charge-offs | 68.4752% | 1,253 |
| Earnings coverage of net charge-offs (x) | 11.5188% | 1,448 |
| Efficiency ratio | 52.2398% | 3,972 |
| Assets per employee ($millions) | 6.4318% | 2,228 |
| Cash dividends to net income (ytd only)* | 39.8689% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 251 |
| Loan loss allowance to noncurrent loans | 228.9131% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 1,084 |
| Noncurrent loans to loans | 1.1019% | 1,210 |
| Net loans and leases to total assets | 71.7868% | 1,057 |
| Net loans and leases to deposits | 87.9488% | 832 |
| Net loans and leases to core deposits | 93.8354% | 991 |
| Total domestic deposits to total assets | 81.6234% | 3,967 |
| Equity capital to assets | 11.5182% | 1,532 |
| Core capital (leverage) ratio | 11.3183% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0057% | 1,896 |
| Memoranda: | ||
| Average total assets | $7,415,901,500 | 194 |
| Average earning assets | $6,843,823,500 | 193 |
| Average equity | $862,140,000 | 183 |
| Average total loans | $5,517,311,000 | 183 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,546 |
| Cost of funding earning assets | 0.4917% | 2,999 |
| Net interest margin | 3.5688% | 2,250 |
| Noninterest income to average assets | 1.4862% | 547 |
| Noninterest expense to average assets | 2.6244% | 2,467 |
| Loan and lease loss provision to assets | 0.5094% | 473 |
| Net operating income to assets | 1.2474% | 1,389 |
| Return on assets (ROA) | 1.2502% | 1,490 |
| Pretax return on assets | 1.6269% | 1,011 |
| Return on Equity (ROE) | 10.5974% | 1,776 |
| Retained earnings to average equity (ytd only) | 5.0557% | 2,251 |
| Net charge-offs to loans | 0.1693% | 985 |
| Credit loss provision to net charge-offs | 391.9543% | 1,456 |
| Earnings coverage of net charge-offs (x) | 16.4108% | 2,133 |
| Efficiency ratio | 55.1616% | 4,078 |
| Assets per employee ($millions) | 6.2346% | 2,136 |
| Cash dividends to net income (ytd only)* | 52.2934% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5563% | 244 |
| Loan loss allowance to noncurrent loans | 223.9250% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 1,163 |
| Noncurrent loans to loans | 1.1416% | 1,248 |
| Net loans and leases to total assets | 73.2506% | 1,117 |
| Net loans and leases to deposits | 90.1629% | 921 |
| Net loans and leases to core deposits | 97.3115% | 1,044 |
| Total domestic deposits to total assets | 81.2425% | 3,824 |
| Equity capital to assets | 11.7358% | 1,711 |
| Core capital (leverage) ratio | 10.9989% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5892% | 2,021 |
| Memoranda: | ||
| Average total assets | $7,067,732,400 | 191 |
| Average earning assets | $6,477,783,400 | 185 |
| Average equity | $833,795,200 | 182 |
| Average total loans | $5,425,561,800 | 179 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 2,850 |
| Cost of funding earning assets | 0.5559% | 2,894 |
| Net interest margin | 3.4861% | 2,634 |
| Noninterest income to average assets | 1.4925% | 527 |
| Noninterest expense to average assets | 2.6505% | 2,384 |
| Loan and lease loss provision to assets | 0.5907% | 430 |
| Net operating income to assets | 1.1039% | 1,971 |
| Return on assets (ROA) | 1.1077% | 2,077 |
| Pretax return on assets | 1.4484% | 1,579 |
| Return on Equity (ROE) | 9.3763% | 2,251 |
| Retained earnings to average equity (ytd only) | 3.7924% | 3,142 |
| Net charge-offs to loans | 0.1348% | 1,074 |
| Credit loss provision to net charge-offs | 567.5018% | 1,196 |
| Earnings coverage of net charge-offs (x) | 19.5452% | 1,933 |
| Efficiency ratio | 56.5703% | 3,852 |
| Assets per employee ($millions) | 6.2610% | 2,034 |
| Cash dividends to net income (ytd only)* | 59.5536% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4224% | 256 |
| Loan loss allowance to noncurrent loans | 188.2794% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0004% | 1,113 |
| Noncurrent loans to loans | 1.2866% | 1,155 |
| Net loans and leases to total assets | 75.5577% | 1,149 |
| Net loans and leases to deposits | 93.4522% | 964 |
| Net loans and leases to core deposits | 101.8467% | 1,037 |
| Total domestic deposits to total assets | 80.8517% | 3,692 |
| Equity capital to assets | 11.5740% | 1,947 |
| Core capital (leverage) ratio | 10.8900% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2395% | 2,084 |
| Memoranda: | ||
| Average total assets | $7,004,805,250 | 190 |
| Average earning assets | $6,414,103,000 | 188 |
| Average equity | $827,495,750 | 183 |
| Average total loans | $5,406,405,750 | 178 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,876 |
| Cost of funding earning assets | 0.6299% | 2,814 |
| Net interest margin | 3.5315% | 2,697 |
| Noninterest income to average assets | 1.4510% | 497 |
| Noninterest expense to average assets | 2.6641% | 2,482 |
| Loan and lease loss provision to assets | 0.6290% | 490 |
| Net operating income to assets | 1.0685% | 2,079 |
| Return on assets (ROA) | 1.0741% | 2,187 |
| Pretax return on assets | 1.3966% | 1,736 |
| Return on Equity (ROE) | 9.0279% | 2,354 |
| Retained earnings to average equity (ytd only) | 3.4059% | 3,225 |
| Net charge-offs to loans | 0.0638% | 1,607 |
| Credit loss provision to net charge-offs | 1,278.8699% | 675 |
| Earnings coverage of net charge-offs (x) | 41.0365% | 1,231 |
| Efficiency ratio | 56.8871% | 3,838 |
| Assets per employee ($millions) | 6.1922% | 2,031 |
| Cash dividends to net income (ytd only)* | 62.2733% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2916% | 290 |
| Loan loss allowance to noncurrent loans | 199.8158% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 1,367 |
| Noncurrent loans to loans | 1.1469% | 1,374 |
| Net loans and leases to total assets | 75.9637% | 1,145 |
| Net loans and leases to deposits | 93.3865% | 1,016 |
| Net loans and leases to core deposits | 104.0418% | 1,001 |
| Total domestic deposits to total assets | 81.3433% | 3,534 |
| Equity capital to assets | 11.3304% | 2,105 |
| Core capital (leverage) ratio | 10.8999% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1298% | 2,127 |
| Memoranda: | ||
| Average total assets | $6,908,393,667 | 190 |
| Average earning assets | $6,321,748,333 | 187 |
| Average equity | $821,922,667 | 183 |
| Average total loans | $5,325,865,667 | 180 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 2,473 |
| Cost of funding earning assets | 0.7439% | 2,697 |
| Net interest margin | 3.6976% | 2,328 |
| Noninterest income to average assets | 1.4834% | 404 |
| Noninterest expense to average assets | 2.8216% | 2,371 |
| Loan and lease loss provision to assets | 0.6800% | 391 |
| Net operating income to assets | 1.0383% | 2,044 |
| Return on assets (ROA) | 1.0513% | 2,100 |
| Pretax return on assets | 1.3734% | 1,643 |
| Return on Equity (ROE) | 8.6099% | 2,273 |
| Retained earnings to average equity (ytd only) | 2.9432% | 3,106 |
| Net charge-offs to loans | 0.1412% | 891 |
| Credit loss provision to net charge-offs | 627.5843% | 770 |
| Earnings coverage of net charge-offs (x) | 18.7993% | 1,455 |
| Efficiency ratio | 58.0675% | 3,990 |
| Assets per employee ($millions) | 5.7022% | 1,923 |
| Cash dividends to net income (ytd only)* | 65.8159% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3488% | 307 |
| Loan loss allowance to noncurrent loans | 433.6828% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 2,786 |
| Noncurrent loans to loans | 0.5416% | 2,641 |
| Net loans and leases to total assets | 74.5762% | 1,523 |
| Net loans and leases to deposits | 95.1814% | 985 |
| Net loans and leases to core deposits | 109.7439% | 858 |
| Total domestic deposits to total assets | 78.3517% | 4,164 |
| Equity capital to assets | 12.2459% | 1,889 |
| Core capital (leverage) ratio | 11.5558% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8400% | 2,351 |
| Memoranda: | ||
| Average total assets | $6,678,232,500 | 191 |
| Average earning assets | $6,095,710,500 | 188 |
| Average equity | $815,431,500 | 183 |
| Average total loans | $5,124,383,500 | 184 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 2,205 |
| Cost of funding earning assets | 0.8944% | 2,214 |
| Net interest margin | 3.8496% | 2,337 |
| Noninterest income to average assets | 1.5830% | 371 |
| Noninterest expense to average assets | 2.9351% | 2,185 |
| Loan and lease loss provision to assets | 0.2428% | 773 |
| Net operating income to assets | 1.4784% | 1,107 |
| Return on assets (ROA) | 1.4776% | 1,164 |
| Pretax return on assets | 1.9242% | 704 |
| Return on Equity (ROE) | 12.4212% | 1,355 |
| Retained earnings to average equity (ytd only) | 6.3967% | 1,668 |
| Net charge-offs to loans | 0.1004% | 1,725 |
| Credit loss provision to net charge-offs | 313.6490% | 889 |
| Earnings coverage of net charge-offs (x) | 28.0055% | 1,643 |
| Efficiency ratio | 57.5093% | 4,027 |
| Assets per employee ($millions) | 5.6263% | 1,947 |
| Cash dividends to net income (ytd only)* | 48.5014% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 339 |
| Loan loss allowance to noncurrent loans | 963.9893% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 3,742 |
| Noncurrent loans to loans | 0.2260% | 3,641 |
| Net loans and leases to total assets | 75.4214% | 1,520 |
| Net loans and leases to deposits | 93.2197% | 1,225 |
| Net loans and leases to core deposits | 107.7697% | 987 |
| Total domestic deposits to total assets | 80.9071% | 3,790 |
| Equity capital to assets | 12.1741% | 2,031 |
| Core capital (leverage) ratio | 11.0327% | 2,476 |
| Tier 1 risk-based capital ratio | 12.3080% | 4,182 |
| Total risk-based capital ratio | 13.5664% | 4,044 |
| Memoranda: | ||
| Average total assets | $6,521,337,800 | 184 |
| Average earning assets | $5,962,834,600 | 181 |
| Average equity | $775,753,400 | 186 |
| Average total loans | $5,028,934,000 | 175 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 2,159 |
| Cost of funding earning assets | 0.9072% | 2,200 |
| Net interest margin | 3.8819% | 2,321 |
| Noninterest income to average assets | 1.5885% | 369 |
| Noninterest expense to average assets | 2.9097% | 2,231 |
| Loan and lease loss provision to assets | 0.2644% | 590 |
| Net operating income to assets | 1.5069% | 1,170 |
| Return on assets (ROA) | 1.5060% | 1,226 |
| Pretax return on assets | 1.9627% | 745 |
| Return on Equity (ROE) | 12.7362% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.6293% | 2,040 |
| Net charge-offs to loans | 0.1174% | 1,316 |
| Credit loss provision to net charge-offs | 292.1088% | 965 |
| Earnings coverage of net charge-offs (x) | 24.6152% | 1,789 |
| Efficiency ratio | 56.6259% | 4,104 |
| Assets per employee ($millions) | 5.7327% | 1,816 |
| Cash dividends to net income (ytd only)* | 47.9489% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 379 |
| Loan loss allowance to noncurrent loans | 919.8767% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 3,826 |
| Noncurrent loans to loans | 0.2309% | 3,718 |
| Net loans and leases to total assets | 75.2185% | 1,614 |
| Net loans and leases to deposits | 93.0840% | 1,309 |
| Net loans and leases to core deposits | 109.2607% | 978 |
| Total domestic deposits to total assets | 80.8071% | 3,804 |
| Equity capital to assets | 11.9022% | 2,323 |
| Core capital (leverage) ratio | 10.9670% | 2,674 |
| Tier 1 risk-based capital ratio | 12.0939% | 4,368 |
| Total risk-based capital ratio | 13.3518% | 4,261 |
| Memoranda: | ||
| Average total assets | $6,496,123,750 | 186 |
| Average earning assets | $5,939,314,750 | 184 |
| Average equity | $768,143,750 | 190 |
| Average total loans | $5,009,716,500 | 177 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 2,136 |
| Cost of funding earning assets | 0.8954% | 2,170 |
| Net interest margin | 3.8816% | 2,299 |
| Noninterest income to average assets | 1.6030% | 358 |
| Noninterest expense to average assets | 2.9350% | 2,179 |
| Loan and lease loss provision to assets | 0.2848% | 505 |
| Net operating income to assets | 1.4888% | 1,176 |
| Return on assets (ROA) | 1.4878% | 1,229 |
| Pretax return on assets | 1.9333% | 784 |
| Return on Equity (ROE) | 12.6107% | 1,370 |
| Retained earnings to average equity (ytd only) | 6.5263% | 2,036 |
| Net charge-offs to loans | 0.1901% | 874 |
| Credit loss provision to net charge-offs | 194.0504% | 1,247 |
| Earnings coverage of net charge-offs (x) | 15.1220% | 2,003 |
| Efficiency ratio | 56.9373% | 4,141 |
| Assets per employee ($millions) | 5.5948% | 1,875 |
| Cash dividends to net income (ytd only)* | 48.2479% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0456% | 434 |
| Loan loss allowance to noncurrent loans | 747.9219% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 3,696 |
| Noncurrent loans to loans | 0.2735% | 3,550 |
| Net loans and leases to total assets | 75.5814% | 1,614 |
| Net loans and leases to deposits | 92.9549% | 1,379 |
| Net loans and leases to core deposits | 108.7743% | 1,047 |
| Total domestic deposits to total assets | 81.3097% | 3,720 |
| Equity capital to assets | 11.7092% | 2,434 |
| Core capital (leverage) ratio | 11.0208% | 2,576 |
| Tier 1 risk-based capital ratio | 11.7266% | 4,557 |
| Total risk-based capital ratio | 12.9834% | 4,456 |
| Memoranda: | ||
| Average total assets | $6,437,195,670 | 186 |
| Average earning assets | $5,888,953,330 | 186 |
| Average equity | $759,451,670 | 193 |
| Average total loans | $4,970,222,000 | 178 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 2,021 |
| Cost of funding earning assets | 0.8713% | 2,145 |
| Net interest margin | 3.8924% | 2,213 |
| Noninterest income to average assets | 1.6191% | 339 |
| Noninterest expense to average assets | 2.9590% | 2,111 |
| Loan and lease loss provision to assets | 0.3107% | 410 |
| Net operating income to assets | 1.4705% | 1,176 |
| Return on assets (ROA) | 1.4705% | 1,202 |
| Pretax return on assets | 1.9119% | 777 |
| Return on Equity (ROE) | 12.4153% | 1,406 |
| Retained earnings to average equity (ytd only) | 6.2551% | 2,339 |
| Net charge-offs to loans | 0.2891% | 512 |
| Credit loss provision to net charge-offs | 139.1231% | 1,301 |
| Earnings coverage of net charge-offs (x) | 9.9533% | 1,990 |
| Efficiency ratio | 57.0986% | 4,203 |
| Assets per employee ($millions) | 5.5005% | 1,983 |
| Cash dividends to net income (ytd only)* | 49.6177% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0637% | 440 |
| Loan loss allowance to noncurrent loans | 670.2553% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,639 |
| Noncurrent loans to loans | 0.3079% | 3,465 |
| Net loans and leases to total assets | 75.8192% | 1,524 |
| Net loans and leases to deposits | 94.3206% | 1,136 |
| Net loans and leases to core deposits | 109.7639% | 944 |
| Total domestic deposits to total assets | 80.3846% | 4,097 |
| Equity capital to assets | 11.9119% | 2,076 |
| Core capital (leverage) ratio | 11.0279% | 2,551 |
| Tier 1 risk-based capital ratio | 11.9974% | 4,462 |
| Total risk-based capital ratio | 13.2546% | 4,347 |
| Memoranda: | ||
| Average total assets | $6,332,484,500 | 190 |
| Average earning assets | $5,795,631,000 | 188 |
| Average equity | $750,044,000 | 195 |
| Average total loans | $4,891,075,500 | 180 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 2,266 |
| Cost of funding earning assets | 0.6799% | 2,213 |
| Net interest margin | 3.8776% | 2,404 |
| Noninterest income to average assets | 1.5961% | 373 |
| Noninterest expense to average assets | 3.0428% | 1,958 |
| Loan and lease loss provision to assets | 0.3156% | 509 |
| Net operating income to assets | 1.4036% | 1,423 |
| Return on assets (ROA) | 1.3991% | 1,425 |
| Pretax return on assets | 1.7822% | 966 |
| Return on Equity (ROE) | 11.9881% | 1,720 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,342 |
| Net charge-offs to loans | 0.2919% | 664 |
| Credit loss provision to net charge-offs | 140.2566% | 1,927 |
| Earnings coverage of net charge-offs (x) | 9.3479% | 2,817 |
| Efficiency ratio | 59.1039% | 3,997 |
| Assets per employee ($millions) | 5.4552% | 2,002 |
| Cash dividends to net income (ytd only)* | 52.2461% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 419 |
| Loan loss allowance to noncurrent loans | 339.2275% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 2,667 |
| Noncurrent loans to loans | 0.6111% | 2,450 |
| Net loans and leases to total assets | 75.4591% | 1,704 |
| Net loans and leases to deposits | 92.6498% | 1,449 |
| Net loans and leases to core deposits | 106.5131% | 1,229 |
| Total domestic deposits to total assets | 81.4456% | 3,799 |
| Equity capital to assets | 11.7760% | 2,051 |
| Core capital (leverage) ratio | 10.8232% | 2,708 |
| Tier 1 risk-based capital ratio | 12.0296% | 4,415 |
| Total risk-based capital ratio | 13.2870% | 4,295 |
| Memoranda: | ||
| Average total assets | $6,166,911,800 | 192 |
| Average earning assets | $5,646,033,200 | 186 |
| Average equity | $719,748,200 | 191 |
| Average total loans | $4,754,407,600 | 180 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 2,367 |
| Cost of funding earning assets | 0.6426% | 2,190 |
| Net interest margin | 3.8357% | 2,508 |
| Noninterest income to average assets | 1.5984% | 379 |
| Noninterest expense to average assets | 3.0265% | 1,935 |
| Loan and lease loss provision to assets | 0.3207% | 441 |
| Net operating income to assets | 1.3899% | 1,528 |
| Return on assets (ROA) | 1.3840% | 1,546 |
| Pretax return on assets | 1.7574% | 1,117 |
| Return on Equity (ROE) | 11.8855% | 1,829 |
| Retained earnings to average equity (ytd only) | 5.6291% | 2,867 |
| Net charge-offs to loans | 0.3196% | 523 |
| Credit loss provision to net charge-offs | 130.1243% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.4620% | 2,704 |
| Efficiency ratio | 59.1729% | 3,939 |
| Assets per employee ($millions) | 5.5125% | 1,906 |
| Cash dividends to net income (ytd only)* | 52.6392% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 461 |
| Loan loss allowance to noncurrent loans | 260.1837% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,362 |
| Noncurrent loans to loans | 0.7811% | 2,144 |
| Net loans and leases to total assets | 75.3347% | 1,760 |
| Net loans and leases to deposits | 93.5985% | 1,421 |
| Net loans and leases to core deposits | 108.6390% | 1,120 |
| Total domestic deposits to total assets | 80.4872% | 3,999 |
| Equity capital to assets | 11.5212% | 2,249 |
| Core capital (leverage) ratio | 10.7078% | 2,877 |
| Tier 1 risk-based capital ratio | 11.9137% | 4,546 |
| Total risk-based capital ratio | 13.1707% | 4,426 |
| Memoranda: | ||
| Average total assets | $6,136,171,000 | 193 |
| Average earning assets | $5,620,987,500 | 189 |
| Average equity | $714,511,250 | 191 |
| Average total loans | $4,731,321,000 | 180 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 2,358 |
| Cost of funding earning assets | 0.6077% | 2,174 |
| Net interest margin | 3.8093% | 2,537 |
| Noninterest income to average assets | 1.6257% | 379 |
| Noninterest expense to average assets | 3.0184% | 1,995 |
| Loan and lease loss provision to assets | 0.2828% | 500 |
| Net operating income to assets | 1.4206% | 1,365 |
| Return on assets (ROA) | 1.4116% | 1,395 |
| Pretax return on assets | 1.8027% | 954 |
| Return on Equity (ROE) | 12.0791% | 1,697 |
| Retained earnings to average equity (ytd only) | 5.8982% | 2,609 |
| Net charge-offs to loans | 0.0204% | 2,473 |
| Credit loss provision to net charge-offs | 1,796.0334% | 240 |
| Earnings coverage of net charge-offs (x) | 133.1858% | 572 |
| Efficiency ratio | 58.9681% | 4,091 |
| Assets per employee ($millions) | 5.3627% | 2,032 |
| Cash dividends to net income (ytd only)* | 51.1700% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1247% | 424 |
| Loan loss allowance to noncurrent loans | 280.9716% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,484 |
| Noncurrent loans to loans | 0.7562% | 2,225 |
| Net loans and leases to total assets | 75.1118% | 1,773 |
| Net loans and leases to deposits | 92.8774% | 1,492 |
| Net loans and leases to core deposits | 108.9238% | 1,056 |
| Total domestic deposits to total assets | 80.8720% | 4,030 |
| Equity capital to assets | 11.3771% | 2,289 |
| Core capital (leverage) ratio | 10.6625% | 2,850 |
| Tier 1 risk-based capital ratio | 11.7577% | 4,645 |
| Total risk-based capital ratio | 13.0159% | 4,520 |
| Memoranda: | ||
| Average total assets | $6,084,962,670 | 192 |
| Average earning assets | $5,574,159,330 | 188 |
| Average equity | $711,128,000 | 190 |
| Average total loans | $4,696,194,000 | 180 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,395 |
| Cost of funding earning assets | 0.5535% | 2,375 |
| Net interest margin | 3.7822% | 2,492 |
| Noninterest income to average assets | 1.6220% | 376 |
| Noninterest expense to average assets | 3.0564% | 1,928 |
| Loan and lease loss provision to assets | 0.2537% | 581 |
| Net operating income to assets | 1.3594% | 1,452 |
| Return on assets (ROA) | 1.3411% | 1,523 |
| Pretax return on assets | 1.7519% | 998 |
| Return on Equity (ROE) | 11.3169% | 1,846 |
| Retained earnings to average equity (ytd only) | 5.2620% | 3,052 |
| Net charge-offs to loans | 0.0293% | 1,913 |
| Credit loss provision to net charge-offs | 1,120.1183% | 315 |
| Earnings coverage of net charge-offs (x) | 89.5651% | 657 |
| Efficiency ratio | 60.0474% | 4,061 |
| Assets per employee ($millions) | 5.2709% | 2,166 |
| Cash dividends to net income (ytd only)* | 53.5029% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 463 |
| Loan loss allowance to noncurrent loans | 355.8591% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 2,949 |
| Noncurrent loans to loans | 0.5879% | 2,778 |
| Net loans and leases to total assets | 76.0433% | 1,540 |
| Net loans and leases to deposits | 96.2266% | 1,011 |
| Net loans and leases to core deposits | 111.2067% | 931 |
| Total domestic deposits to total assets | 79.0252% | 4,573 |
| Equity capital to assets | 11.7094% | 1,984 |
| Core capital (leverage) ratio | 10.8881% | 2,548 |
| Tier 1 risk-based capital ratio | 11.9002% | 4,604 |
| Total risk-based capital ratio | 13.1580% | 4,499 |
| Memoranda: | ||
| Average total assets | $5,968,786,500 | 194 |
| Average earning assets | $5,465,167,500 | 190 |
| Average equity | $707,329,000 | 192 |
| Average total loans | $4,620,262,000 | 181 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 3,032 |
| Cost of funding earning assets | 0.4111% | 3,150 |
| Net interest margin | 3.6960% | 2,811 |
| Noninterest income to average assets | 1.6872% | 382 |
| Noninterest expense to average assets | 3.0680% | 1,959 |
| Loan and lease loss provision to assets | 0.1584% | 1,419 |
| Net operating income to assets | 1.2276% | 1,436 |
| Return on assets (ROA) | 1.2023% | 1,546 |
| Pretax return on assets | 1.7935% | 806 |
| Return on Equity (ROE) | 9.8320% | 1,959 |
| Retained earnings to average equity (ytd only) | 4.3036% | 2,577 |
| Net charge-offs to loans | 0.0605% | 2,606 |
| Credit loss provision to net charge-offs | 340.1515% | 854 |
| Earnings coverage of net charge-offs (x) | 42.7223% | 1,202 |
| Efficiency ratio | 60.5331% | 4,180 |
| Assets per employee ($millions) | 5.1956% | 2,256 |
| Cash dividends to net income (ytd only)* | 56.2284% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 455 |
| Loan loss allowance to noncurrent loans | 421.5149% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 3,241 |
| Noncurrent loans to loans | 0.4957% | 3,039 |
| Net loans and leases to total assets | 75.5266% | 1,676 |
| Net loans and leases to deposits | 93.5346% | 1,326 |
| Net loans and leases to core deposits | 105.5005% | 1,299 |
| Total domestic deposits to total assets | 80.7472% | 4,182 |
| Equity capital to assets | 11.9954% | 1,841 |
| Core capital (leverage) ratio | 10.9788% | 2,358 |
| Tier 1 risk-based capital ratio | 12.1026% | 4,462 |
| Total risk-based capital ratio | 13.3604% | 4,351 |
| Memoranda: | ||
| Average total assets | $5,668,264,000 | 193 |
| Average earning assets | $5,169,140,800 | 189 |
| Average equity | $693,113,000 | 186 |
| Average total loans | $4,366,645,600 | 178 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,113 |
| Cost of funding earning assets | 0.3912% | 3,286 |
| Net interest margin | 3.6733% | 2,848 |
| Noninterest income to average assets | 1.6765% | 403 |
| Noninterest expense to average assets | 3.0033% | 2,099 |
| Loan and lease loss provision to assets | 0.1273% | 1,699 |
| Net operating income to assets | 1.2215% | 1,603 |
| Return on assets (ROA) | 1.2186% | 1,646 |
| Pretax return on assets | 1.8927% | 697 |
| Return on Equity (ROE) | 9.9163% | 2,170 |
| Retained earnings to average equity (ytd only) | 4.4709% | 3,243 |
| Net charge-offs to loans | 0.0163% | 3,194 |
| Credit loss provision to net charge-offs | 1,012.8544% | 353 |
| Earnings coverage of net charge-offs (x) | 161.1295% | 512 |
| Efficiency ratio | 59.5889% | 4,279 |
| Assets per employee ($millions) | 5.1305% | 2,298 |
| Cash dividends to net income (ytd only)* | 54.9135% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0993% | 483 |
| Loan loss allowance to noncurrent loans | 528.2417% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 3,744 |
| Noncurrent loans to loans | 0.3974% | 3,532 |
| Net loans and leases to total assets | 75.0413% | 1,759 |
| Net loans and leases to deposits | 95.1933% | 1,183 |
| Net loans and leases to core deposits | 115.5756% | 764 |
| Total domestic deposits to total assets | 78.8305% | 4,565 |
| Equity capital to assets | 12.0993% | 1,901 |
| Core capital (leverage) ratio | 11.1327% | 2,342 |
| Tier 1 risk-based capital ratio | 12.4062% | 4,371 |
| Total risk-based capital ratio | 13.6702% | 4,275 |
| Memoranda: | ||
| Average total assets | $5,613,690,250 | 193 |
| Average earning assets | $5,121,492,500 | 189 |
| Average equity | $689,861,500 | 186 |
| Average total loans | $4,323,106,750 | 180 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 3,159 |
| Cost of funding earning assets | 0.3636% | 3,442 |
| Net interest margin | 3.6512% | 2,834 |
| Noninterest income to average assets | 1.6549% | 416 |
| Noninterest expense to average assets | 2.9493% | 2,270 |
| Loan and lease loss provision to assets | 0.1347% | 1,547 |
| Net operating income to assets | 1.2246% | 1,521 |
| Return on assets (ROA) | 1.2202% | 1,571 |
| Pretax return on assets | 1.8971% | 659 |
| Return on Equity (ROE) | 9.8765% | 2,091 |
| Retained earnings to average equity (ytd only) | 4.4533% | 3,059 |
| Net charge-offs to loans | 0.0171% | 2,904 |
| Credit loss provision to net charge-offs | 1,018.5286% | 379 |
| Earnings coverage of net charge-offs (x) | 154.1689% | 493 |
| Efficiency ratio | 58.9454% | 4,473 |
| Assets per employee ($millions) | 4.9604% | 2,438 |
| Cash dividends to net income (ytd only)* | 54.9105% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0901% | 521 |
| Loan loss allowance to noncurrent loans | 503.8316% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,787 |
| Noncurrent loans to loans | 0.4148% | 3,532 |
| Net loans and leases to total assets | 75.8068% | 1,569 |
| Net loans and leases to deposits | 96.0528% | 1,078 |
| Net loans and leases to core deposits | 114.9384% | 756 |
| Total domestic deposits to total assets | 78.9220% | 4,631 |
| Equity capital to assets | 12.2309% | 1,772 |
| Core capital (leverage) ratio | 11.2337% | 2,196 |
| Tier 1 risk-based capital ratio | 12.4119% | 4,350 |
| Total risk-based capital ratio | 13.6754% | 4,235 |
| Memoranda: | ||
| Average total assets | $5,550,721,670 | 197 |
| Average earning assets | $5,067,101,000 | 194 |
| Average equity | $685,791,000 | 186 |
| Average total loans | $4,281,569,670 | 182 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 3,262 |
| Cost of funding earning assets | 0.3326% | 3,724 |
| Net interest margin | 3.6018% | 2,883 |
| Noninterest income to average assets | 1.5915% | 440 |
| Noninterest expense to average assets | 2.9375% | 2,340 |
| Loan and lease loss provision to assets | 0.0729% | 2,348 |
| Net operating income to assets | 1.2119% | 1,480 |
| Return on assets (ROA) | 1.2119% | 1,516 |
| Pretax return on assets | 1.8749% | 681 |
| Return on Equity (ROE) | 9.7583% | 2,083 |
| Retained earnings to average equity (ytd only) | 4.4653% | 3,187 |
| Net charge-offs to loans | -0.0545% | 5,221 |
| Credit loss provision to net charge-offs | -173.9130% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9173% | 4,458 |
| Assets per employee ($millions) | 4.8529% | 2,624 |
| Cash dividends to net income (ytd only)* | 54.2414% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 528 |
| Loan loss allowance to noncurrent loans | 433.8854% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 3,619 |
| Noncurrent loans to loans | 0.4895% | 3,336 |
| Net loans and leases to total assets | 75.6014% | 1,479 |
| Net loans and leases to deposits | 95.7504% | 953 |
| Net loans and leases to core deposits | 110.8082% | 841 |
| Total domestic deposits to total assets | 78.9567% | 4,832 |
| Equity capital to assets | 12.4835% | 1,547 |
| Core capital (leverage) ratio | 11.3967% | 2,029 |
| Tier 1 risk-based capital ratio | 12.7642% | 4,218 |
| Total risk-based capital ratio | 14.0267% | 4,111 |
| Memoranda: | ||
| Average total assets | $5,486,228,000 | 197 |
| Average earning assets | $5,016,979,000 | 193 |
| Average equity | $681,348,000 | 186 |
| Average total loans | $4,223,595,500 | 184 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,463 |
| Cost of funding earning assets | 0.3395% | 3,637 |
| Net interest margin | 3.5892% | 3,110 |
| Noninterest income to average assets | 1.6057% | 473 |
| Noninterest expense to average assets | 3.0760% | 2,105 |
| Loan and lease loss provision to assets | 0.1092% | 2,232 |
| Net operating income to assets | 1.1005% | 1,904 |
| Return on assets (ROA) | 1.0982% | 2,004 |
| Pretax return on assets | 1.6955% | 1,011 |
| Return on Equity (ROE) | 8.7253% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.3585% | 3,530 |
| Net charge-offs to loans | 0.1310% | 1,933 |
| Credit loss provision to net charge-offs | 107.9785% | 2,427 |
| Earnings coverage of net charge-offs (x) | 17.8734% | 2,011 |
| Efficiency ratio | 62.7563% | 4,142 |
| Assets per employee ($millions) | 4.7726% | 2,688 |
| Cash dividends to net income (ytd only)* | 61.5080% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 543 |
| Loan loss allowance to noncurrent loans | 375.3094% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 3,490 |
| Noncurrent loans to loans | 0.5612% | 3,159 |
| Net loans and leases to total assets | 75.1123% | 1,672 |
| Net loans and leases to deposits | 94.9072% | 1,100 |
| Net loans and leases to core deposits | 107.1007% | 1,060 |
| Total domestic deposits to total assets | 79.1429% | 4,760 |
| Equity capital to assets | 12.3548% | 1,602 |
| Core capital (leverage) ratio | 11.2217% | 2,149 |
| Tier 1 risk-based capital ratio | 12.7958% | 4,208 |
| Total risk-based capital ratio | 14.0585% | 4,092 |
| Memoranda: | ||
| Average total assets | $5,339,196,400 | 193 |
| Average earning assets | $4,877,190,600 | 191 |
| Average equity | $671,991,800 | 181 |
| Average total loans | $4,124,100,200 | 185 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,479 |
| Cost of funding earning assets | 0.3420% | 3,633 |
| Net interest margin | 3.5922% | 3,102 |
| Noninterest income to average assets | 1.6140% | 472 |
| Noninterest expense to average assets | 3.0840% | 2,071 |
| Loan and lease loss provision to assets | 0.1280% | 1,827 |
| Net operating income to assets | 1.0904% | 2,041 |
| Return on assets (ROA) | 1.0871% | 2,152 |
| Pretax return on assets | 1.6772% | 1,183 |
| Return on Equity (ROE) | 8.5966% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.2201% | 3,983 |
| Net charge-offs to loans | 0.1399% | 1,594 |
| Credit loss provision to net charge-offs | 118.2304% | 2,116 |
| Earnings coverage of net charge-offs (x) | 16.7239% | 2,094 |
| Efficiency ratio | 62.7920% | 4,098 |
| Assets per employee ($millions) | 4.7338% | 2,694 |
| Cash dividends to net income (ytd only)* | 62.5416% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 586 |
| Loan loss allowance to noncurrent loans | 382.9786% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 3,674 |
| Noncurrent loans to loans | 0.5527% | 3,337 |
| Net loans and leases to total assets | 75.5721% | 1,600 |
| Net loans and leases to deposits | 93.8999% | 1,265 |
| Net loans and leases to core deposits | 109.3253% | 962 |
| Total domestic deposits to total assets | 80.4816% | 4,399 |
| Equity capital to assets | 12.4931% | 1,785 |
| Core capital (leverage) ratio | 11.1889% | 2,278 |
| Tier 1 risk-based capital ratio | 12.6533% | 4,367 |
| Total risk-based capital ratio | 13.9153% | 4,270 |
| Memoranda: | ||
| Average total assets | $5,304,253,750 | 193 |
| Average earning assets | $4,843,520,500 | 192 |
| Average equity | $670,761,000 | 181 |
| Average total loans | $4,104,145,250 | 186 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 3,461 |
| Cost of funding earning assets | 0.3421% | 3,650 |
| Net interest margin | 3.6000% | 3,099 |
| Noninterest income to average assets | 1.6156% | 473 |
| Noninterest expense to average assets | 3.0910% | 2,089 |
| Loan and lease loss provision to assets | 0.1150% | 1,967 |
| Net operating income to assets | 1.1021% | 1,951 |
| Return on assets (ROA) | 1.0972% | 2,089 |
| Pretax return on assets | 1.6894% | 1,121 |
| Return on Equity (ROE) | 8.6404% | 2,673 |
| Retained earnings to average equity (ytd only) | 3.2403% | 3,829 |
| Net charge-offs to loans | -0.0158% | 4,855 |
| Credit loss provision to net charge-offs | -939.1304% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8186% | 4,202 |
| Assets per employee ($millions) | 4.6080% | 2,859 |
| Cash dividends to net income (ytd only)* | 62.4983% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 549 |
| Loan loss allowance to noncurrent loans | 569.6898% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 4,272 |
| Noncurrent loans to loans | 0.3851% | 3,977 |
| Net loans and leases to total assets | 75.9491% | 1,496 |
| Net loans and leases to deposits | 94.2584% | 1,267 |
| Net loans and leases to core deposits | 111.3538% | 858 |
| Total domestic deposits to total assets | 80.5754% | 4,395 |
| Equity capital to assets | 12.5816% | 1,720 |
| Core capital (leverage) ratio | 11.2508% | 2,192 |
| Tier 1 risk-based capital ratio | 12.6004% | 4,447 |
| Total risk-based capital ratio | 13.8626% | 4,343 |
| Memoranda: | ||
| Average total assets | $5,259,277,670 | 194 |
| Average earning assets | $4,802,548,330 | 192 |
| Average equity | $667,840,000 | 181 |
| Average total loans | $4,072,392,670 | 185 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 3,447 |
| Cost of funding earning assets | 0.3468% | 3,630 |
| Net interest margin | 3.5891% | 3,125 |
| Noninterest income to average assets | 1.6013% | 459 |
| Noninterest expense to average assets | 3.1551% | 1,942 |
| Loan and lease loss provision to assets | 0.0749% | 2,463 |
| Net operating income to assets | 1.0749% | 1,995 |
| Return on assets (ROA) | 1.0754% | 2,103 |
| Pretax return on assets | 1.6494% | 1,182 |
| Return on Equity (ROE) | 8.4289% | 2,691 |
| Retained earnings to average equity (ytd only) | 2.9980% | 4,013 |
| Net charge-offs to loans | -0.0208% | 4,883 |
| Credit loss provision to net charge-offs | -466.5072% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4423% | 4,052 |
| Assets per employee ($millions) | 4.4958% | 3,075 |
| Cash dividends to net income (ytd only)* | 64.4322% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 582 |
| Loan loss allowance to noncurrent loans | 520.2517% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 4,220 |
| Noncurrent loans to loans | 0.4244% | 3,923 |
| Net loans and leases to total assets | 75.5697% | 1,459 |
| Net loans and leases to deposits | 93.5874% | 1,183 |
| Net loans and leases to core deposits | 110.5576% | 828 |
| Total domestic deposits to total assets | 80.7477% | 4,567 |
| Equity capital to assets | 12.7648% | 1,531 |
| Core capital (leverage) ratio | 11.4282% | 2,024 |
| Tier 1 risk-based capital ratio | 12.8882% | 4,330 |
| Total risk-based capital ratio | 14.1483% | 4,241 |
| Memoranda: | ||
| Average total assets | $5,204,730,500 | 195 |
| Average earning assets | $4,752,568,500 | 192 |
| Average equity | $664,045,500 | 183 |
| Average total loans | $4,024,245,500 | 186 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,130 |
| Cost of funding earning assets | 0.2778% | 4,503 |
| Net interest margin | 3.7689% | 2,487 |
| Noninterest income to average assets | 1.6884% | 458 |
| Noninterest expense to average assets | 3.2274% | 1,894 |
| Loan and lease loss provision to assets | 0.0433% | 3,463 |
| Net operating income to assets | 1.2100% | 1,515 |
| Return on assets (ROA) | 1.2101% | 1,581 |
| Pretax return on assets | 1.8637% | 706 |
| Return on Equity (ROE) | 9.2743% | 2,332 |
| Retained earnings to average equity (ytd only) | 3.7324% | 3,394 |
| Net charge-offs to loans | -0.0229% | 5,315 |
| Credit loss provision to net charge-offs | -244.3439% | 5,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5882% | 4,518 |
| Assets per employee ($millions) | 4.4739% | 3,085 |
| Cash dividends to net income (ytd only)* | 59.7551% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 591 |
| Loan loss allowance to noncurrent loans | 486.4841% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 4,131 |
| Noncurrent loans to loans | 0.4523% | 3,851 |
| Net loans and leases to total assets | 75.6602% | 1,471 |
| Net loans and leases to deposits | 94.6062% | 1,143 |
| Net loans and leases to core deposits | 112.2311% | 758 |
| Total domestic deposits to total assets | 79.9738% | 4,752 |
| Equity capital to assets | 12.7521% | 1,488 |
| Core capital (leverage) ratio | 11.4989% | 1,960 |
| Tier 1 risk-based capital ratio | 12.8708% | 4,408 |
| Total risk-based capital ratio | 14.1307% | 4,294 |
| Memoranda: | ||
| Average total assets | $4,987,539,000 | 191 |
| Average earning assets | $4,560,086,600 | 188 |
| Average equity | $650,757,800 | 177 |
| Average total loans | $3,852,573,000 | 180 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,226 |
| Cost of funding earning assets | 0.2705% | 4,656 |
| Net interest margin | 3.7572% | 2,535 |
| Noninterest income to average assets | 1.7067% | 453 |
| Noninterest expense to average assets | 3.1978% | 1,974 |
| Loan and lease loss provision to assets | 0.0583% | 3,021 |
| Net operating income to assets | 1.2293% | 1,556 |
| Return on assets (ROA) | 1.2294% | 1,611 |
| Pretax return on assets | 1.8885% | 744 |
| Return on Equity (ROE) | 9.3667% | 2,375 |
| Retained earnings to average equity (ytd only) | 3.8050% | 3,761 |
| Net charge-offs to loans | -0.0136% | 5,077 |
| Credit loss provision to net charge-offs | -556.7010% | 5,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8723% | 4,595 |
| Assets per employee ($millions) | 4.4086% | 3,158 |
| Cash dividends to net income (ytd only)* | 59.3770% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 652 |
| Loan loss allowance to noncurrent loans | 362.3790% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 3,856 |
| Noncurrent loans to loans | 0.6098% | 3,485 |
| Net loans and leases to total assets | 76.0758% | 1,377 |
| Net loans and leases to deposits | 96.4540% | 962 |
| Net loans and leases to core deposits | 111.3975% | 795 |
| Total domestic deposits to total assets | 78.8726% | 5,007 |
| Equity capital to assets | 12.9065% | 1,498 |
| Core capital (leverage) ratio | 11.5548% | 1,996 |
| Tier 1 risk-based capital ratio | 13.0150% | 4,421 |
| Total risk-based capital ratio | 14.2754% | 4,336 |
| Memoranda: | ||
| Average total assets | $4,940,346,750 | 193 |
| Average earning assets | $4,520,355,250 | 191 |
| Average equity | $648,425,500 | 177 |
| Average total loans | $3,814,587,000 | 183 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,230 |
| Cost of funding earning assets | 0.2671% | 4,749 |
| Net interest margin | 3.7465% | 2,523 |
| Noninterest income to average assets | 1.7188% | 460 |
| Noninterest expense to average assets | 3.1605% | 2,095 |
| Loan and lease loss provision to assets | 0.0478% | 3,163 |
| Net operating income to assets | 1.2586% | 1,431 |
| Return on assets (ROA) | 1.2587% | 1,484 |
| Pretax return on assets | 1.9391% | 678 |
| Return on Equity (ROE) | 9.5346% | 2,286 |
| Retained earnings to average equity (ytd only) | 3.9460% | 3,496 |
| Net charge-offs to loans | -0.0187% | 5,151 |
| Credit loss provision to net charge-offs | -331.8182% | 5,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0817% | 4,820 |
| Assets per employee ($millions) | 4.2929% | 3,316 |
| Cash dividends to net income (ytd only)* | 58.6140% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 696 |
| Loan loss allowance to noncurrent loans | 418.9066% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 4,195 |
| Noncurrent loans to loans | 0.5345% | 3,855 |
| Net loans and leases to total assets | 75.5989% | 1,420 |
| Net loans and leases to deposits | 95.4027% | 1,009 |
| Net loans and leases to core deposits | 109.2079% | 882 |
| Total domestic deposits to total assets | 79.2419% | 5,038 |
| Equity capital to assets | 13.0081% | 1,400 |
| Core capital (leverage) ratio | 11.6939% | 1,844 |
| Tier 1 risk-based capital ratio | 13.3076% | 4,343 |
| Total risk-based capital ratio | 14.5696% | 4,264 |
| Memoranda: | ||
| Average total assets | $4,888,331,000 | 197 |
| Average earning assets | $4,473,353,330 | 195 |
| Average equity | $645,312,330 | 178 |
| Average total loans | $3,764,537,000 | 187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 3,450 |
| Cost of funding earning assets | 0.2561% | 4,950 |
| Net interest margin | 3.6861% | 2,671 |
| Noninterest income to average assets | 1.6810% | 452 |
| Noninterest expense to average assets | 3.2180% | 1,932 |
| Loan and lease loss provision to assets | 0.0296% | 3,297 |
| Net operating income to assets | 1.1762% | 1,614 |
| Return on assets (ROA) | 1.1762% | 1,720 |
| Pretax return on assets | 1.8081% | 854 |
| Return on Equity (ROE) | 8.8429% | 2,525 |
| Retained earnings to average equity (ytd only) | 3.2314% | 4,050 |
| Net charge-offs to loans | 0.0352% | 2,507 |
| Credit loss provision to net charge-offs | 109.1743% | 1,520 |
| Earnings coverage of net charge-offs (x) | 67.8838% | 663 |
| Efficiency ratio | 63.3028% | 4,587 |
| Assets per employee ($millions) | 4.2640% | 3,440 |
| Cash dividends to net income (ytd only)* | 63.4572% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2852% | 718 |
| Loan loss allowance to noncurrent loans | 317.9332% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 3,732 |
| Noncurrent loans to loans | 0.7188% | 3,467 |
| Net loans and leases to total assets | 75.0560% | 1,344 |
| Net loans and leases to deposits | 94.0038% | 984 |
| Net loans and leases to core deposits | 106.6774% | 896 |
| Total domestic deposits to total assets | 79.8436% | 5,086 |
| Equity capital to assets | 13.3314% | 1,249 |
| Core capital (leverage) ratio | 11.8551% | 1,734 |
| Tier 1 risk-based capital ratio | 13.7651% | 4,175 |
| Total risk-based capital ratio | 15.0290% | 4,082 |
| Memoranda: | ||
| Average total assets | $4,831,869,000 | 199 |
| Average earning assets | $4,423,593,500 | 196 |
| Average equity | $642,684,000 | 175 |
| Average total loans | $3,713,065,000 | 188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,458 |
| Cost of funding earning assets | 0.2874% | 4,926 |
| Net interest margin | 3.7777% | 2,699 |
| Noninterest income to average assets | 1.6445% | 470 |
| Noninterest expense to average assets | 3.1317% | 2,415 |
| Loan and lease loss provision to assets | 0.0777% | 2,923 |
| Net operating income to assets | 1.2922% | 1,319 |
| Return on assets (ROA) | 1.3058% | 1,341 |
| Pretax return on assets | 1.9081% | 629 |
| Return on Equity (ROE) | 10.0481% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.6299% | 2,878 |
| Net charge-offs to loans | 0.0594% | 3,653 |
| Credit loss provision to net charge-offs | 172.0276% | 1,412 |
| Earnings coverage of net charge-offs (x) | 43.4982% | 1,018 |
| Efficiency ratio | 61.0387% | 5,061 |
| Assets per employee ($millions) | 4.3189% | 3,329 |
| Cash dividends to net income (ytd only)* | 53.9226% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2978% | 724 |
| Loan loss allowance to noncurrent loans | 208.5767% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 3,000 |
| Noncurrent loans to loans | 1.1016% | 2,624 |
| Net loans and leases to total assets | 75.1130% | 1,399 |
| Net loans and leases to deposits | 95.1029% | 981 |
| Net loans and leases to core deposits | 107.2744% | 942 |
| Total domestic deposits to total assets | 78.9808% | 5,254 |
| Equity capital to assets | 13.2702% | 1,237 |
| Core capital (leverage) ratio | 11.5746% | 1,921 |
| Tier 1 risk-based capital ratio | 13.8808% | 4,183 |
| Total risk-based capital ratio | 15.1457% | 4,108 |
| Memoranda: | ||
| Average total assets | $4,801,773,800 | 190 |
| Average earning assets | $4,388,903,200 | 184 |
| Average equity | $624,006,200 | 173 |
| Average total loans | $3,652,346,200 | 178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,551 |
| Cost of funding earning assets | 0.2954% | 4,923 |
| Net interest margin | 3.7565% | 2,787 |
| Noninterest income to average assets | 1.6525% | 475 |
| Noninterest expense to average assets | 3.0393% | 2,675 |
| Loan and lease loss provision to assets | 0.1265% | 1,978 |
| Net operating income to assets | 1.2709% | 1,461 |
| Return on assets (ROA) | 1.2886% | 1,452 |
| Pretax return on assets | 1.9462% | 644 |
| Return on Equity (ROE) | 9.9684% | 2,234 |
| Retained earnings to average equity (ytd only) | 4.6387% | 3,333 |
| Net charge-offs to loans | 0.0241% | 4,032 |
| Credit loss provision to net charge-offs | 691.9453% | 435 |
| Earnings coverage of net charge-offs (x) | 111.8984% | 535 |
| Efficiency ratio | 59.3525% | 5,269 |
| Assets per employee ($millions) | 4.3120% | 3,278 |
| Cash dividends to net income (ytd only)* | 53.4665% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3831% | 751 |
| Loan loss allowance to noncurrent loans | 260.4757% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 3,580 |
| Noncurrent loans to loans | 0.9149% | 3,274 |
| Net loans and leases to total assets | 74.4624% | 1,449 |
| Net loans and leases to deposits | 93.3172% | 1,093 |
| Net loans and leases to core deposits | 108.7101% | 812 |
| Total domestic deposits to total assets | 79.7950% | 5,145 |
| Equity capital to assets | 13.1327% | 1,360 |
| Core capital (leverage) ratio | 11.3817% | 2,149 |
| Tier 1 risk-based capital ratio | 13.8721% | 4,311 |
| Total risk-based capital ratio | 15.1391% | 4,239 |
| Memoranda: | ||
| Average total assets | $4,798,328,500 | 190 |
| Average earning assets | $4,384,871,750 | 184 |
| Average equity | $620,249,000 | 173 |
| Average total loans | $3,639,888,250 | 176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,615 |
| Cost of funding earning assets | 0.3037% | 4,932 |
| Net interest margin | 3.7262% | 2,854 |
| Noninterest income to average assets | 1.6613% | 467 |
| Noninterest expense to average assets | 2.9771% | 2,912 |
| Loan and lease loss provision to assets | 0.1396% | 1,775 |
| Net operating income to assets | 1.2520% | 1,442 |
| Return on assets (ROA) | 1.2777% | 1,429 |
| Pretax return on assets | 1.9838% | 580 |
| Return on Equity (ROE) | 9.9376% | 2,177 |
| Retained earnings to average equity (ytd only) | 4.6363% | 3,206 |
| Net charge-offs to loans | -0.1060% | 6,168 |
| Credit loss provision to net charge-offs | -173.9605% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3807% | 5,504 |
| Assets per employee ($millions) | 4.3902% | 3,103 |
| Cash dividends to net income (ytd only)* | 53.3460% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3721% | 836 |
| Loan loss allowance to noncurrent loans | 222.7251% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 3,378 |
| Noncurrent loans to loans | 1.0650% | 3,101 |
| Net loans and leases to total assets | 74.3763% | 1,392 |
| Net loans and leases to deposits | 95.7428% | 818 |
| Net loans and leases to core deposits | 108.9036% | 734 |
| Total domestic deposits to total assets | 77.6834% | 5,691 |
| Equity capital to assets | 12.7364% | 1,522 |
| Core capital (leverage) ratio | 11.2809% | 2,171 |
| Tier 1 risk-based capital ratio | 13.4434% | 4,619 |
| Total risk-based capital ratio | 14.7099% | 4,550 |
| Memoranda: | ||
| Average total assets | $4,795,132,670 | 190 |
| Average earning assets | $4,374,119,670 | 185 |
| Average equity | $616,528,330 | 174 |
| Average total loans | $3,630,687,330 | 177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,654 |
| Cost of funding earning assets | 0.3046% | 5,018 |
| Net interest margin | 3.7020% | 2,860 |
| Noninterest income to average assets | 1.6494% | 453 |
| Noninterest expense to average assets | 3.1384% | 2,408 |
| Loan and lease loss provision to assets | 0.0679% | 2,769 |
| Net operating income to assets | 1.1745% | 1,552 |
| Return on assets (ROA) | 1.2266% | 1,462 |
| Pretax return on assets | 1.9050% | 645 |
| Return on Equity (ROE) | 9.4936% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.3370% | 3,527 |
| Net charge-offs to loans | -0.0784% | 6,020 |
| Credit loss provision to net charge-offs | -114.6933% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9140% | 5,130 |
| Assets per employee ($millions) | 4.3130% | 3,316 |
| Cash dividends to net income (ytd only)* | 54.3170% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3671% | 946 |
| Loan loss allowance to noncurrent loans | 265.2335% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 3,921 |
| Noncurrent loans to loans | 0.8925% | 3,652 |
| Net loans and leases to total assets | 73.6380% | 1,322 |
| Net loans and leases to deposits | 94.5374% | 741 |
| Net loans and leases to core deposits | 102.7291% | 943 |
| Total domestic deposits to total assets | 77.8929% | 5,849 |
| Equity capital to assets | 12.9412% | 1,331 |
| Core capital (leverage) ratio | 11.4278% | 2,020 |
| Tier 1 risk-based capital ratio | 13.7424% | 4,508 |
| Total risk-based capital ratio | 15.0299% | 4,440 |
| Memoranda: | ||
| Average total assets | $4,736,410,000 | 190 |
| Average earning assets | $4,325,163,000 | 186 |
| Average equity | $611,949,500 | 175 |
| Average total loans | $3,574,746,500 | 177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 3,139 |
| Cost of funding earning assets | 0.4180% | 4,453 |
| Net interest margin | 3.8353% | 2,519 |
| Noninterest income to average assets | 1.6703% | 518 |
| Noninterest expense to average assets | 3.2522% | 2,273 |
| Loan and lease loss provision to assets | 0.0167% | 4,799 |
| Net operating income to assets | 1.2473% | 1,402 |
| Return on assets (ROA) | 1.2448% | 1,465 |
| Pretax return on assets | 1.9056% | 593 |
| Return on Equity (ROE) | 9.5649% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.4965% | 2,982 |
| Net charge-offs to loans | 0.0167% | 5,113 |
| Credit loss provision to net charge-offs | 133.5640% | 1,756 |
| Earnings coverage of net charge-offs (x) | 153.7180% | 300 |
| Efficiency ratio | 62.3200% | 5,152 |
| Assets per employee ($millions) | 4.2713% | 3,313 |
| Cash dividends to net income (ytd only)* | 52.9900% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 984 |
| Loan loss allowance to noncurrent loans | 191.0039% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 3,331 |
| Noncurrent loans to loans | 1.2287% | 3,090 |
| Net loans and leases to total assets | 73.7523% | 1,391 |
| Net loans and leases to deposits | 95.0878% | 793 |
| Net loans and leases to core deposits | 100.2175% | 1,141 |
| Total domestic deposits to total assets | 77.5624% | 5,891 |
| Equity capital to assets | 12.8988% | 1,325 |
| Core capital (leverage) ratio | 11.4069% | 2,031 |
| Tier 1 risk-based capital ratio | 13.7378% | 4,493 |
| Total risk-based capital ratio | 15.0123% | 4,416 |
| Memoranda: | ||
| Average total assets | $4,612,931,400 | 187 |
| Average earning assets | $4,219,310,400 | 182 |
| Average equity | $600,361,000 | 173 |
| Average total loans | $3,451,990,200 | 174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 2,998 |
| Cost of funding earning assets | 0.4390% | 4,395 |
| Net interest margin | 3.8606% | 2,417 |
| Noninterest income to average assets | 1.7089% | 522 |
| Noninterest expense to average assets | 3.2273% | 2,277 |
| Loan and lease loss provision to assets | 0.0474% | 4,068 |
| Net operating income to assets | 1.2525% | 1,482 |
| Return on assets (ROA) | 1.2519% | 1,552 |
| Pretax return on assets | 1.9649% | 625 |
| Return on Equity (ROE) | 9.5971% | 2,355 |
| Retained earnings to average equity (ytd only) | 4.5760% | 3,418 |
| Net charge-offs to loans | 0.0169% | 4,787 |
| Credit loss provision to net charge-offs | 374.9425% | 707 |
| Earnings coverage of net charge-offs (x) | 159.2723% | 353 |
| Efficiency ratio | 61.0994% | 5,264 |
| Assets per employee ($millions) | 4.2027% | 3,418 |
| Cash dividends to net income (ytd only)* | 52.3188% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4317% | 1,010 |
| Loan loss allowance to noncurrent loans | 219.6756% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 3,753 |
| Noncurrent loans to loans | 1.1069% | 3,581 |
| Net loans and leases to total assets | 73.0800% | 1,436 |
| Net loans and leases to deposits | 92.1424% | 973 |
| Net loans and leases to core deposits | 99.3304% | 1,163 |
| Total domestic deposits to total assets | 79.3119% | 5,673 |
| Equity capital to assets | 13.0226% | 1,321 |
| Core capital (leverage) ratio | 11.3115% | 2,187 |
| Tier 1 risk-based capital ratio | 13.8362% | 4,546 |
| Total risk-based capital ratio | 15.1178% | 4,479 |
| Memoranda: | ||
| Average total assets | $4,588,352,500 | 185 |
| Average earning assets | $4,197,521,500 | 180 |
| Average equity | $598,527,500 | 171 |
| Average total loans | $3,425,448,250 | 173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 3,275 |
| Cost of funding earning assets | 0.4522% | 4,408 |
| Net interest margin | 3.7702% | 2,673 |
| Noninterest income to average assets | 1.7052% | 568 |
| Noninterest expense to average assets | 3.1759% | 2,423 |
| Loan and lease loss provision to assets | 0.0897% | 3,290 |
| Net operating income to assets | 1.2025% | 1,589 |
| Return on assets (ROA) | 1.2025% | 1,694 |
| Pretax return on assets | 1.8940% | 759 |
| Return on Equity (ROE) | 9.2131% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.3018% | 3,546 |
| Net charge-offs to loans | -0.0193% | 5,963 |
| Credit loss provision to net charge-offs | -623.1003% | 5,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0562% | 5,319 |
| Assets per employee ($millions) | 4.1276% | 3,520 |
| Cash dividends to net income (ytd only)* | 53.3074% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4453% | 1,043 |
| Loan loss allowance to noncurrent loans | 235.2570% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 3,934 |
| Noncurrent loans to loans | 1.0394% | 3,859 |
| Net loans and leases to total assets | 73.8815% | 1,267 |
| Net loans and leases to deposits | 92.3605% | 929 |
| Net loans and leases to core deposits | 99.1419% | 1,135 |
| Total domestic deposits to total assets | 79.9925% | 5,606 |
| Equity capital to assets | 12.8758% | 1,394 |
| Core capital (leverage) ratio | 11.1953% | 2,175 |
| Tier 1 risk-based capital ratio | 13.5556% | 4,739 |
| Total risk-based capital ratio | 14.8379% | 4,676 |
| Memoranda: | ||
| Average total assets | $4,571,201,330 | 184 |
| Average earning assets | $4,188,395,330 | 180 |
| Average equity | $596,629,000 | 170 |
| Average total loans | $3,408,839,330 | 171 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 3,222 |
| Cost of funding earning assets | 0.4627% | 4,454 |
| Net interest margin | 3.7555% | 2,634 |
| Noninterest income to average assets | 1.6603% | 564 |
| Noninterest expense to average assets | 3.2349% | 2,246 |
| Loan and lease loss provision to assets | 0.0666% | 3,523 |
| Net operating income to assets | 1.1476% | 1,688 |
| Return on assets (ROA) | 1.1476% | 1,795 |
| Pretax return on assets | 1.7959% | 888 |
| Return on Equity (ROE) | 8.7328% | 2,608 |
| Retained earnings to average equity (ytd only) | 3.8248% | 3,933 |
| Net charge-offs to loans | 0.0068% | 4,019 |
| Credit loss provision to net charge-offs | 1,328.0702% | 247 |
| Earnings coverage of net charge-offs (x) | 371.1404% | 98 |
| Efficiency ratio | 62.9538% | 5,161 |
| Assets per employee ($millions) | 4.0025% | 3,939 |
| Cash dividends to net income (ytd only)* | 56.2025% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4827% | 1,140 |
| Loan loss allowance to noncurrent loans | 165.7414% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 3,507 |
| Noncurrent loans to loans | 1.4979% | 3,310 |
| Net loans and leases to total assets | 72.5752% | 1,271 |
| Net loans and leases to deposits | 89.6435% | 998 |
| Net loans and leases to core deposits | 97.6293% | 1,106 |
| Total domestic deposits to total assets | 80.9598% | 5,511 |
| Equity capital to assets | 13.1799% | 1,348 |
| Core capital (leverage) ratio | 11.2212% | 2,079 |
| Tier 1 risk-based capital ratio | 13.7894% | 4,659 |
| Total risk-based capital ratio | 15.0700% | 4,597 |
| Memoranda: | ||
| Average total assets | $4,543,270,000 | 187 |
| Average earning assets | $4,158,207,000 | 184 |
| Average equity | $597,057,500 | 174 |
| Average total loans | $3,361,142,000 | 175 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 3,392 |
| Cost of funding earning assets | 0.5654% | 4,688 |
| Net interest margin | 3.9341% | 2,674 |
| Noninterest income to average assets | 1.8384% | 495 |
| Noninterest expense to average assets | 3.4568% | 1,934 |
| Loan and lease loss provision to assets | 0.1294% | 4,000 |
| Net operating income to assets | 1.2003% | 1,602 |
| Return on assets (ROA) | 1.2045% | 1,751 |
| Pretax return on assets | 1.8377% | 857 |
| Return on Equity (ROE) | 8.8307% | 2,717 |
| Retained earnings to average equity (ytd only) | -0.8568% | 5,997 |
| Net charge-offs to loans | 0.1262% | 4,419 |
| Credit loss provision to net charge-offs | 140.8078% | 1,953 |
| Earnings coverage of net charge-offs (x) | 21.3371% | 1,307 |
| Efficiency ratio | 63.2575% | 5,026 |
| Assets per employee ($millions) | 3.8472% | 4,276 |
| Cash dividends to net income (ytd only)* | 109.7023% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4955% | 1,135 |
| Loan loss allowance to noncurrent loans | 189.7831% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 3,845 |
| Noncurrent loans to loans | 1.3149% | 3,639 |
| Net loans and leases to total assets | 71.7026% | 1,531 |
| Net loans and leases to deposits | 89.8001% | 1,090 |
| Net loans and leases to core deposits | 94.8725% | 1,397 |
| Total domestic deposits to total assets | 79.8469% | 5,706 |
| Equity capital to assets | 13.1032% | 1,387 |
| Core capital (leverage) ratio | 11.0797% | 2,184 |
| Tier 1 risk-based capital ratio | 13.7754% | 4,552 |
| Total risk-based capital ratio | 15.0496% | 4,485 |
| Memoranda: | ||
| Average total assets | $4,445,411,000 | 185 |
| Average earning assets | $4,044,258,800 | 183 |
| Average equity | $606,340,400 | 173 |
| Average total loans | $3,237,383,600 | 173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 3,531 |
| Cost of funding earning assets | 0.5828% | 4,811 |
| Net interest margin | 3.9440% | 2,731 |
| Noninterest income to average assets | 1.8550% | 467 |
| Noninterest expense to average assets | 3.4387% | 1,901 |
| Loan and lease loss provision to assets | 0.1495% | 3,669 |
| Net operating income to assets | 1.2096% | 1,700 |
| Return on assets (ROA) | 1.2149% | 1,860 |
| Pretax return on assets | 1.8618% | 938 |
| Return on Equity (ROE) | 8.8184% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.1320% | 3,996 |
| Net charge-offs to loans | 0.1288% | 4,095 |
| Credit loss provision to net charge-offs | 159.7616% | 1,750 |
| Earnings coverage of net charge-offs (x) | 21.4014% | 1,408 |
| Efficiency ratio | 62.6207% | 5,047 |
| Assets per employee ($millions) | 3.7552% | 4,414 |
| Cash dividends to net income (ytd only)* | 53.1432% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 1,163 |
| Loan loss allowance to noncurrent loans | 159.1306% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 3,682 |
| Noncurrent loans to loans | 1.5943% | 3,397 |
| Net loans and leases to total assets | 71.6626% | 1,612 |
| Net loans and leases to deposits | 89.8742% | 1,159 |
| Net loans and leases to core deposits | 95.9721% | 1,414 |
| Total domestic deposits to total assets | 79.7365% | 5,720 |
| Equity capital to assets | 13.8750% | 1,205 |
| Core capital (leverage) ratio | 11.7486% | 1,811 |
| Tier 1 risk-based capital ratio | 14.6563% | 4,083 |
| Total risk-based capital ratio | 15.9333% | 4,026 |
| Memoranda: | ||
| Average total assets | $4,421,825,250 | 188 |
| Average earning assets | $4,021,355,250 | 187 |
| Average equity | $609,212,750 | 173 |
| Average total loans | $3,212,121,500 | 176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 3,557 |
| Cost of funding earning assets | 0.5945% | 4,947 |
| Net interest margin | 3.9570% | 2,691 |
| Noninterest income to average assets | 1.8336% | 458 |
| Noninterest expense to average assets | 3.4149% | 1,995 |
| Loan and lease loss provision to assets | 0.1957% | 3,123 |
| Net operating income to assets | 1.2020% | 1,707 |
| Return on assets (ROA) | 1.2103% | 1,874 |
| Pretax return on assets | 1.8276% | 986 |
| Return on Equity (ROE) | 8.8055% | 2,895 |
| Retained earnings to average equity (ytd only) | 4.1503% | 3,846 |
| Net charge-offs to loans | 0.1666% | 3,607 |
| Credit loss provision to net charge-offs | 162.3587% | 1,716 |
| Earnings coverage of net charge-offs (x) | 16.6827% | 1,576 |
| Efficiency ratio | 62.3598% | 5,189 |
| Assets per employee ($millions) | 3.7094% | 4,501 |
| Cash dividends to net income (ytd only)* | 52.8670% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5331% | 1,243 |
| Loan loss allowance to noncurrent loans | 148.6261% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 3,550 |
| Noncurrent loans to loans | 1.7043% | 3,340 |
| Net loans and leases to total assets | 71.5877% | 1,631 |
| Net loans and leases to deposits | 89.3659% | 1,211 |
| Net loans and leases to core deposits | 96.1197% | 1,419 |
| Total domestic deposits to total assets | 80.1063% | 5,713 |
| Equity capital to assets | 13.6793% | 1,226 |
| Core capital (leverage) ratio | 11.6471% | 1,813 |
| Tier 1 risk-based capital ratio | 14.5416% | 4,072 |
| Total risk-based capital ratio | 15.8143% | 4,021 |
| Memoranda: | ||
| Average total assets | $4,403,697,000 | 187 |
| Average earning assets | $3,997,793,000 | 186 |
| Average equity | $605,258,670 | 171 |
| Average total loans | $3,185,740,000 | 173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 3,662 |
| Cost of funding earning assets | 0.5998% | 5,132 |
| Net interest margin | 3.9639% | 2,652 |
| Noninterest income to average assets | 1.8629% | 461 |
| Noninterest expense to average assets | 3.5106% | 1,742 |
| Loan and lease loss provision to assets | 0.2065% | 2,887 |
| Net operating income to assets | 1.1668% | 1,837 |
| Return on assets (ROA) | 1.1837% | 1,963 |
| Pretax return on assets | 1.7730% | 1,139 |
| Return on Equity (ROE) | 8.5915% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.9085% | 4,243 |
| Net charge-offs to loans | 0.1919% | 2,961 |
| Credit loss provision to net charge-offs | 149.8670% | 1,676 |
| Earnings coverage of net charge-offs (x) | 14.1862% | 1,486 |
| Efficiency ratio | 63.6508% | 4,992 |
| Assets per employee ($millions) | 3.7179% | 4,614 |
| Cash dividends to net income (ytd only)* | 54.5075% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6033% | 1,217 |
| Loan loss allowance to noncurrent loans | 125.2284% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7082% | 3,295 |
| Noncurrent loans to loans | 2.0788% | 3,055 |
| Net loans and leases to total assets | 70.5039% | 1,667 |
| Net loans and leases to deposits | 87.9201% | 1,179 |
| Net loans and leases to core deposits | 95.2488% | 1,354 |
| Total domestic deposits to total assets | 80.1908% | 5,812 |
| Equity capital to assets | 13.8215% | 1,081 |
| Core capital (leverage) ratio | 11.8215% | 1,697 |
| Tier 1 risk-based capital ratio | 14.8755% | 3,840 |
| Total risk-based capital ratio | 16.1416% | 3,800 |
| Memoranda: | ||
| Average total assets | $4,366,943,000 | 185 |
| Average earning assets | $3,968,308,500 | 184 |
| Average equity | $601,662,000 | 169 |
| Average total loans | $3,134,395,500 | 173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 4,101 |
| Cost of funding earning assets | 0.7976% | 4,889 |
| Net interest margin | 3.9381% | 3,165 |
| Noninterest income to average assets | 1.8165% | 436 |
| Noninterest expense to average assets | 3.5001% | 1,983 |
| Loan and lease loss provision to assets | 0.0717% | 5,721 |
| Net operating income to assets | 1.1858% | 1,542 |
| Return on assets (ROA) | 1.2063% | 1,605 |
| Pretax return on assets | 1.8469% | 734 |
| Return on Equity (ROE) | 9.0324% | 2,428 |
| Retained earnings to average equity (ytd only) | 4.2001% | 3,192 |
| Net charge-offs to loans | 0.2698% | 4,086 |
| Credit loss provision to net charge-offs | 37.4327% | 5,673 |
| Earnings coverage of net charge-offs (x) | 9.8555% | 1,921 |
| Efficiency ratio | 64.4183% | 5,055 |
| Assets per employee ($millions) | 3.7503% | 4,435 |
| Cash dividends to net income (ytd only)* | 53.4995% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6305% | 1,156 |
| Loan loss allowance to noncurrent loans | 120.8377% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 3,327 |
| Noncurrent loans to loans | 2.1769% | 2,976 |
| Net loans and leases to total assets | 69.2893% | 2,161 |
| Net loans and leases to deposits | 85.8406% | 1,687 |
| Net loans and leases to core deposits | 92.6521% | 1,825 |
| Total domestic deposits to total assets | 80.7186% | 5,538 |
| Equity capital to assets | 13.7337% | 1,156 |
| Core capital (leverage) ratio | 11.5215% | 1,876 |
| Tier 1 risk-based capital ratio | 14.9693% | 3,656 |
| Total risk-based capital ratio | 16.2351% | 3,607 |
| Memoranda: | ||
| Average total assets | $4,365,665,000 | 187 |
| Average earning assets | $3,958,293,800 | 184 |
| Average equity | $583,056,000 | 172 |
| Average total loans | $3,097,786,600 | 175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 4,144 |
| Cost of funding earning assets | 0.8377% | 4,875 |
| Net interest margin | 3.9314% | 3,228 |
| Noninterest income to average assets | 1.8196% | 437 |
| Noninterest expense to average assets | 3.4373% | 2,103 |
| Loan and lease loss provision to assets | 0.1076% | 5,091 |
| Net operating income to assets | 1.2045% | 1,641 |
| Return on assets (ROA) | 1.2318% | 1,673 |
| Pretax return on assets | 1.8812% | 817 |
| Return on Equity (ROE) | 9.2890% | 2,467 |
| Retained earnings to average equity (ytd only) | 4.4236% | 3,578 |
| Net charge-offs to loans | 0.2665% | 3,775 |
| Credit loss provision to net charge-offs | 56.9559% | 4,875 |
| Earnings coverage of net charge-offs (x) | 10.3022% | 1,945 |
| Efficiency ratio | 63.2886% | 5,182 |
| Assets per employee ($millions) | 3.7537% | 4,402 |
| Cash dividends to net income (ytd only)* | 52.3784% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7189% | 1,108 |
| Loan loss allowance to noncurrent loans | 117.1927% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.9047% | 3,259 |
| Noncurrent loans to loans | 2.3200% | 2,985 |
| Net loans and leases to total assets | 70.1630% | 2,055 |
| Net loans and leases to deposits | 87.3814% | 1,510 |
| Net loans and leases to core deposits | 95.6288% | 1,642 |
| Total domestic deposits to total assets | 80.2950% | 5,648 |
| Equity capital to assets | 13.8429% | 1,230 |
| Core capital (leverage) ratio | 11.6113% | 1,950 |
| Tier 1 risk-based capital ratio | 14.7791% | 3,789 |
| Total risk-based capital ratio | 16.0538% | 3,749 |
| Memoranda: | ||
| Average total assets | $4,366,673,500 | 187 |
| Average earning assets | $3,959,195,250 | 183 |
| Average equity | $579,067,000 | 174 |
| Average total loans | $3,096,286,500 | 176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 4,204 |
| Cost of funding earning assets | 0.8484% | 5,075 |
| Net interest margin | 3.9236% | 3,197 |
| Noninterest income to average assets | 1.7887% | 428 |
| Noninterest expense to average assets | 3.4288% | 2,187 |
| Loan and lease loss provision to assets | 0.1032% | 5,021 |
| Net operating income to assets | 1.2081% | 1,545 |
| Return on assets (ROA) | 1.2490% | 1,520 |
| Pretax return on assets | 1.8783% | 746 |
| Return on Equity (ROE) | 9.5550% | 2,292 |
| Retained earnings to average equity (ytd only) | 4.6458% | 3,225 |
| Net charge-offs to loans | 0.2667% | 3,554 |
| Credit loss provision to net charge-offs | 54.8559% | 4,461 |
| Earnings coverage of net charge-offs (x) | 10.2063% | 1,840 |
| Efficiency ratio | 63.5562% | 5,328 |
| Assets per employee ($millions) | 3.7115% | 4,409 |
| Cash dividends to net income (ytd only)* | 51.3786% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7189% | 1,163 |
| Loan loss allowance to noncurrent loans | 113.4677% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.9540% | 3,303 |
| Noncurrent loans to loans | 2.3962% | 2,995 |
| Net loans and leases to total assets | 70.0441% | 2,210 |
| Net loans and leases to deposits | 86.3113% | 1,745 |
| Net loans and leases to core deposits | 94.8527% | 1,813 |
| Total domestic deposits to total assets | 81.1529% | 5,474 |
| Equity capital to assets | 13.4663% | 1,313 |
| Core capital (leverage) ratio | 11.1737% | 2,135 |
| Tier 1 risk-based capital ratio | 14.3877% | 3,877 |
| Total risk-based capital ratio | 15.6694% | 3,825 |
| Memoranda: | ||
| Average total assets | $4,390,806,000 | 186 |
| Average earning assets | $3,983,619,330 | 187 |
| Average equity | $573,938,000 | 176 |
| Average total loans | $3,095,981,670 | 176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 4,461 |
| Cost of funding earning assets | 0.8530% | 5,250 |
| Net interest margin | 3.8605% | 3,336 |
| Noninterest income to average assets | 1.7017% | 473 |
| Noninterest expense to average assets | 3.4710% | 2,081 |
| Loan and lease loss provision to assets | 0.1991% | 3,643 |
| Net operating income to assets | 1.0591% | 1,976 |
| Return on assets (ROA) | 1.0721% | 1,992 |
| Pretax return on assets | 1.5522% | 1,291 |
| Return on Equity (ROE) | 8.3254% | 2,770 |
| Retained earnings to average equity (ytd only) | 3.3694% | 4,168 |
| Net charge-offs to loans | 0.3781% | 2,556 |
| Credit loss provision to net charge-offs | 75.4808% | 3,246 |
| Earnings coverage of net charge-offs (x) | 6.5670% | 2,079 |
| Efficiency ratio | 66.1385% | 5,013 |
| Assets per employee ($millions) | 3.8213% | 4,258 |
| Cash dividends to net income (ytd only)* | 59.5284% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8175% | 1,093 |
| Loan loss allowance to noncurrent loans | 102.5434% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 2.0993% | 3,194 |
| Noncurrent loans to loans | 2.7476% | 2,751 |
| Net loans and leases to total assets | 67.5687% | 2,640 |
| Net loans and leases to deposits | 82.3356% | 2,303 |
| Net loans and leases to core deposits | 90.2192% | 2,322 |
| Total domestic deposits to total assets | 82.0650% | 5,284 |
| Equity capital to assets | 12.9643% | 1,397 |
| Core capital (leverage) ratio | 10.9896% | 2,197 |
| Tier 1 risk-based capital ratio | 14.2768% | 3,886 |
| Total risk-based capital ratio | 15.5475% | 3,831 |
| Memoranda: | ||
| Average total assets | $4,414,977,000 | 186 |
| Average earning assets | $4,004,826,000 | 184 |
| Average equity | $568,522,500 | 178 |
| Average total loans | $3,080,647,500 | 176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 4,771 |
| Cost of funding earning assets | 1.1322% | 4,953 |
| Net interest margin | 3.8218% | 3,856 |
| Noninterest income to average assets | 1.9561% | 414 |
| Noninterest expense to average assets | 3.4488% | 2,310 |
| Loan and lease loss provision to assets | 0.4286% | 3,546 |
| Net operating income to assets | 1.0302% | 1,932 |
| Return on assets (ROA) | 1.0345% | 2,029 |
| Pretax return on assets | 1.5359% | 1,285 |
| Return on Equity (ROE) | 7.4803% | 2,903 |
| Retained earnings to average equity (ytd only) | -9.7005% | 6,648 |
| Net charge-offs to loans | 0.6521% | 3,053 |
| Credit loss provision to net charge-offs | 93.3784% | 4,971 |
| Earnings coverage of net charge-offs (x) | 4.2664% | 2,993 |
| Efficiency ratio | 63.2385% | 5,472 |
| Assets per employee ($millions) | 3.8302% | 4,179 |
| Cash dividends to net income (ytd only)* | 229.6816% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7995% | 1,055 |
| Loan loss allowance to noncurrent loans | 102.3034% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 3,233 |
| Noncurrent loans to loans | 2.7364% | 2,784 |
| Net loans and leases to total assets | 68.0646% | 2,973 |
| Net loans and leases to deposits | 83.2498% | 2,578 |
| Net loans and leases to core deposits | 89.8833% | 2,788 |
| Total domestic deposits to total assets | 81.7595% | 5,259 |
| Equity capital to assets | 12.7907% | 1,489 |
| Core capital (leverage) ratio | 10.3238% | 2,745 |
| Tier 1 risk-based capital ratio | 13.9637% | 3,894 |
| Total risk-based capital ratio | 15.2319% | 3,849 |
| Memoranda: | ||
| Average total assets | $4,481,616,200 | 186 |
| Average earning assets | $4,046,609,200 | 181 |
| Average equity | $619,790,400 | 165 |
| Average total loans | $3,154,032,400 | 175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 5,176 |
| Cost of funding earning assets | 1.1727% | 5,024 |
| Net interest margin | 3.7469% | 4,198 |
| Noninterest income to average assets | 1.9212% | 398 |
| Noninterest expense to average assets | 3.4424% | 2,178 |
| Loan and lease loss provision to assets | 0.4677% | 3,133 |
| Net operating income to assets | 0.9357% | 2,471 |
| Return on assets (ROA) | 0.9412% | 2,579 |
| Pretax return on assets | 1.3993% | 1,878 |
| Return on Equity (ROE) | 6.6822% | 3,491 |
| Retained earnings to average equity (ytd only) | 2.5875% | 4,609 |
| Net charge-offs to loans | 0.6101% | 2,914 |
| Credit loss provision to net charge-offs | 108.7848% | 3,912 |
| Earnings coverage of net charge-offs (x) | 4.3234% | 3,101 |
| Efficiency ratio | 64.3822% | 5,178 |
| Assets per employee ($millions) | 3.8923% | 4,048 |
| Cash dividends to net income (ytd only)* | 61.2778% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7736% | 1,022 |
| Loan loss allowance to noncurrent loans | 100.3824% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 2.1855% | 3,227 |
| Noncurrent loans to loans | 2.7631% | 2,875 |
| Net loans and leases to total assets | 69.4920% | 2,852 |
| Net loans and leases to deposits | 87.9698% | 2,013 |
| Net loans and leases to core deposits | 95.2370% | 2,349 |
| Total domestic deposits to total assets | 78.9953% | 6,021 |
| Equity capital to assets | 14.2917% | 1,087 |
| Core capital (leverage) ratio | 12.2753% | 1,522 |
| Tier 1 risk-based capital ratio | 15.8648% | 2,830 |
| Total risk-based capital ratio | 17.1327% | 2,764 |
| Memoranda: | ||
| Average total assets | $4,494,121,500 | 183 |
| Average earning assets | $4,053,929,250 | 180 |
| Average equity | $633,030,500 | 159 |
| Average total loans | $3,166,735,000 | 174 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 5,325 |
| Cost of funding earning assets | 1.2122% | 5,059 |
| Net interest margin | 3.7030% | 4,352 |
| Noninterest income to average assets | 1.8282% | 403 |
| Noninterest expense to average assets | 3.4575% | 2,130 |
| Loan and lease loss provision to assets | 0.4540% | 3,051 |
| Net operating income to assets | 0.8464% | 2,745 |
| Return on assets (ROA) | 0.8549% | 2,861 |
| Pretax return on assets | 1.2662% | 2,197 |
| Return on Equity (ROE) | 6.0991% | 3,763 |
| Retained earnings to average equity (ytd only) | 2.0673% | 4,827 |
| Net charge-offs to loans | 0.6615% | 2,558 |
| Credit loss provision to net charge-offs | 97.8670% | 4,188 |
| Earnings coverage of net charge-offs (x) | 3.6813% | 3,217 |
| Efficiency ratio | 66.3661% | 4,915 |
| Assets per employee ($millions) | 3.8415% | 4,126 |
| Cash dividends to net income (ytd only)* | 66.1053% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7583% | 1,036 |
| Loan loss allowance to noncurrent loans | 113.2902% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.9288% | 3,582 |
| Noncurrent loans to loans | 2.4348% | 3,213 |
| Net loans and leases to total assets | 68.7405% | 3,187 |
| Net loans and leases to deposits | 85.9485% | 2,512 |
| Net loans and leases to core deposits | 92.0377% | 2,980 |
| Total domestic deposits to total assets | 79.9788% | 5,733 |
| Equity capital to assets | 14.1206% | 1,127 |
| Core capital (leverage) ratio | 12.1425% | 1,569 |
| Tier 1 risk-based capital ratio | 15.5726% | 2,858 |
| Total risk-based capital ratio | 16.8403% | 2,818 |
| Memoranda: | ||
| Average total assets | $4,487,136,670 | 185 |
| Average earning assets | $4,043,731,670 | 181 |
| Average equity | $628,947,670 | 162 |
| Average total loans | $3,146,604,670 | 173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 5,452 |
| Cost of funding earning assets | 1.2534% | 5,095 |
| Net interest margin | 3.6487% | 4,496 |
| Noninterest income to average assets | 1.8406% | 383 |
| Noninterest expense to average assets | 3.3626% | 2,335 |
| Loan and lease loss provision to assets | 0.3923% | 3,019 |
| Net operating income to assets | 0.9227% | 2,463 |
| Return on assets (ROA) | 0.9394% | 2,460 |
| Pretax return on assets | 1.3976% | 1,783 |
| Return on Equity (ROE) | 6.7274% | 3,493 |
| Retained earnings to average equity (ytd only) | 2.7583% | 4,484 |
| Net charge-offs to loans | 0.6141% | 2,280 |
| Credit loss provision to net charge-offs | 91.4738% | 3,634 |
| Earnings coverage of net charge-offs (x) | 4.1151% | 2,702 |
| Efficiency ratio | 65.0020% | 5,308 |
| Assets per employee ($millions) | 3.8512% | 4,201 |
| Cash dividends to net income (ytd only)* | 58.9988% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8067% | 981 |
| Loan loss allowance to noncurrent loans | 101.4157% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 2.1315% | 3,346 |
| Noncurrent loans to loans | 2.7675% | 2,887 |
| Net loans and leases to total assets | 68.7305% | 3,225 |
| Net loans and leases to deposits | 85.9228% | 2,601 |
| Net loans and leases to core deposits | 93.1997% | 2,950 |
| Total domestic deposits to total assets | 79.9909% | 5,791 |
| Equity capital to assets | 14.1815% | 1,099 |
| Core capital (leverage) ratio | 12.1740% | 1,558 |
| Tier 1 risk-based capital ratio | 15.7180% | 2,769 |
| Total risk-based capital ratio | 16.9856% | 2,708 |
| Memoranda: | ||
| Average total assets | $4,473,799,000 | 188 |
| Average earning assets | $4,030,218,000 | 187 |
| Average equity | $624,732,000 | 161 |
| Average total loans | $3,124,490,500 | 177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 6,639 |
| Cost of funding earning assets | 1.5958% | 5,045 |
| Net interest margin | 3.3341% | 5,610 |
| Noninterest income to average assets | 1.8549% | 433 |
| Noninterest expense to average assets | 3.3595% | 2,809 |
| Loan and lease loss provision to assets | 0.6931% | 3,055 |
| Net operating income to assets | 0.6325% | 3,209 |
| Return on assets (ROA) | 0.6683% | 3,121 |
| Pretax return on assets | 0.8669% | 3,028 |
| Return on Equity (ROE) | 4.9653% | 3,678 |
| Retained earnings to average equity (ytd only) | 1.1393% | 4,251 |
| Net charge-offs to loans | 0.6974% | 3,095 |
| Credit loss provision to net charge-offs | 137.3724% | 3,583 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,579 |
| Efficiency ratio | 68.3219% | 4,956 |
| Assets per employee ($millions) | 3.8787% | 4,079 |
| Cash dividends to net income (ytd only)* | 77.0544% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8283% | 907 |
| Loan loss allowance to noncurrent loans | 95.0184% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 2.2011% | 3,127 |
| Noncurrent loans to loans | 2.9765% | 2,584 |
| Net loans and leases to total assets | 67.0321% | 3,922 |
| Net loans and leases to deposits | 82.9890% | 3,451 |
| Net loans and leases to core deposits | 96.4565% | 4,406 |
| Total domestic deposits to total assets | 80.7723% | 5,414 |
| Equity capital to assets | 13.7517% | 1,235 |
| Core capital (leverage) ratio | 12.0331% | 1,652 |
| Tier 1 risk-based capital ratio | 15.5118% | 2,709 |
| Total risk-based capital ratio | 16.7788% | 2,653 |
| Memoranda: | ||
| Average total assets | $4,486,789,200 | 188 |
| Average earning assets | $4,061,631,000 | 185 |
| Average equity | $603,867,800 | 161 |
| Average total loans | $3,245,797,400 | 180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 6,748 |
| Cost of funding earning assets | 1.6654% | 5,086 |
| Net interest margin | 3.2902% | 5,680 |
| Noninterest income to average assets | 1.8566% | 431 |
| Noninterest expense to average assets | 3.3406% | 2,763 |
| Loan and lease loss provision to assets | 0.6770% | 2,708 |
| Net operating income to assets | 0.6555% | 3,377 |
| Return on assets (ROA) | 0.6789% | 3,345 |
| Pretax return on assets | 0.8517% | 3,372 |
| Return on Equity (ROE) | 5.0720% | 3,934 |
| Retained earnings to average equity (ytd only) | 1.3114% | 4,590 |
| Net charge-offs to loans | 0.6919% | 2,618 |
| Credit loss provision to net charge-offs | 133.6783% | 3,728 |
| Earnings coverage of net charge-offs (x) | 2.9608% | 3,749 |
| Efficiency ratio | 68.3915% | 4,896 |
| Assets per employee ($millions) | 3.7318% | 4,356 |
| Cash dividends to net income (ytd only)* | 74.1447% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7288% | 856 |
| Loan loss allowance to noncurrent loans | 95.5630% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 2.2001% | 3,096 |
| Noncurrent loans to loans | 2.8555% | 2,659 |
| Net loans and leases to total assets | 69.3319% | 3,650 |
| Net loans and leases to deposits | 87.4017% | 3,075 |
| Net loans and leases to core deposits | 104.1789% | 3,914 |
| Total domestic deposits to total assets | 79.3255% | 5,684 |
| Equity capital to assets | 14.2188% | 1,232 |
| Core capital (leverage) ratio | 12.0995% | 1,756 |
| Tier 1 risk-based capital ratio | 15.2181% | 2,940 |
| Total risk-based capital ratio | 16.4837% | 2,884 |
| Memoranda: | ||
| Average total assets | $4,477,848,750 | 198 |
| Average earning assets | $4,060,342,000 | 195 |
| Average equity | $599,352,750 | 165 |
| Average total loans | $3,277,297,000 | 187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 6,900 |
| Cost of funding earning assets | 1.7120% | 5,212 |
| Net interest margin | 3.2457% | 5,749 |
| Noninterest income to average assets | 1.9010% | 405 |
| Noninterest expense to average assets | 3.3535% | 2,776 |
| Loan and lease loss provision to assets | 0.7222% | 2,270 |
| Net operating income to assets | 0.6498% | 3,467 |
| Return on assets (ROA) | 0.6735% | 3,483 |
| Pretax return on assets | 0.7949% | 3,690 |
| Return on Equity (ROE) | 5.1356% | 4,020 |
| Retained earnings to average equity (ytd only) | 1.4154% | 4,545 |
| Net charge-offs to loans | 0.7770% | 2,126 |
| Credit loss provision to net charge-offs | 125.9153% | 3,690 |
| Earnings coverage of net charge-offs (x) | 2.5966% | 3,772 |
| Efficiency ratio | 68.6236% | 5,047 |
| Assets per employee ($millions) | 3.7496% | 4,217 |
| Cash dividends to net income (ytd only)* | 72.4390% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5259% | 876 |
| Loan loss allowance to noncurrent loans | 111.7138% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 3,514 |
| Noncurrent loans to loans | 2.2610% | 3,173 |
| Net loans and leases to total assets | 71.5297% | 3,336 |
| Net loans and leases to deposits | 88.7218% | 3,052 |
| Net loans and leases to core deposits | 106.2040% | 3,815 |
| Total domestic deposits to total assets | 80.6224% | 5,224 |
| Equity capital to assets | 13.8100% | 1,382 |
| Core capital (leverage) ratio | 11.8792% | 1,888 |
| Tier 1 risk-based capital ratio | 14.6900% | 3,150 |
| Total risk-based capital ratio | 15.9546% | 3,078 |
| Memoranda: | ||
| Average total assets | $4,505,102,330 | 200 |
| Average earning assets | $4,083,229,000 | 200 |
| Average equity | $590,780,330 | 170 |
| Average total loans | $3,325,264,670 | 188 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 7,054 |
| Cost of funding earning assets | 1.7622% | 5,304 |
| Net interest margin | 3.1890% | 5,889 |
| Noninterest income to average assets | 1.8633% | 403 |
| Noninterest expense to average assets | 3.4126% | 2,321 |
| Loan and lease loss provision to assets | 0.6896% | 1,830 |
| Net operating income to assets | 0.6764% | 3,678 |
| Return on assets (ROA) | 0.7267% | 3,629 |
| Pretax return on assets | 0.7000% | 4,438 |
| Return on Equity (ROE) | 5.6915% | 4,175 |
| Retained earnings to average equity (ytd only) | 1.9774% | 4,758 |
| Net charge-offs to loans | 0.3834% | 2,565 |
| Credit loss provision to net charge-offs | 242.9775% | 1,916 |
| Earnings coverage of net charge-offs (x) | 4.7188% | 2,827 |
| Efficiency ratio | 71.1793% | 4,329 |
| Assets per employee ($millions) | 3.7705% | 4,172 |
| Cash dividends to net income (ytd only)* | 65.2566% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5253% | 748 |
| Loan loss allowance to noncurrent loans | 127.9998% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 3,611 |
| Noncurrent loans to loans | 1.9729% | 3,301 |
| Net loans and leases to total assets | 71.0173% | 3,462 |
| Net loans and leases to deposits | 91.7622% | 2,641 |
| Net loans and leases to core deposits | 110.7581% | 3,336 |
| Total domestic deposits to total assets | 77.3927% | 6,182 |
| Equity capital to assets | 13.4715% | 1,539 |
| Core capital (leverage) ratio | 11.8123% | 1,992 |
| Tier 1 risk-based capital ratio | 14.2974% | 3,434 |
| Total risk-based capital ratio | 15.5609% | 3,348 |
| Memoranda: | ||
| Average total assets | $4,515,369,000 | 198 |
| Average earning assets | $4,090,119,500 | 198 |
| Average equity | $576,511,500 | 170 |
| Average total loans | $3,342,436,500 | 188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 6,577 |
| Cost of funding earning assets | 2.3416% | 4,961 |
| Net interest margin | 3.4139% | 5,602 |
| Noninterest income to average assets | 2.0963% | 319 |
| Noninterest expense to average assets | 3.3942% | 2,697 |
| Loan and lease loss provision to assets | 0.3699% | 3,462 |
| Net operating income to assets | 0.9909% | 2,595 |
| Return on assets (ROA) | 0.8520% | 3,054 |
| Pretax return on assets | 1.2123% | 2,599 |
| Return on Equity (ROE) | 7.3590% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.0251% | 2,628 |
| Net charge-offs to loans | 0.1080% | 5,203 |
| Credit loss provision to net charge-offs | 469.6689% | 940 |
| Earnings coverage of net charge-offs (x) | 22.6080% | 1,464 |
| Efficiency ratio | 64.9970% | 5,328 |
| Assets per employee ($millions) | 3.5538% | 4,535 |
| Cash dividends to net income (ytd only)* | 45.3044% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3853% | 772 |
| Loan loss allowance to noncurrent loans | 187.4921% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 4,159 |
| Noncurrent loans to loans | 1.2722% | 3,965 |
| Net loans and leases to total assets | 73.4320% | 3,254 |
| Net loans and leases to deposits | 92.8760% | 2,978 |
| Net loans and leases to core deposits | 112.4754% | 3,515 |
| Total domestic deposits to total assets | 79.0646% | 5,355 |
| Equity capital to assets | 12.0420% | 2,267 |
| Core capital (leverage) ratio | 10.1349% | 3,331 |
| Tier 1 risk-based capital ratio | 11.9315% | 4,879 |
| Total risk-based capital ratio | 13.1929% | 4,749 |
| Memoranda: | ||
| Average total assets | $4,525,292,800 | 194 |
| Average earning assets | $4,080,672,600 | 191 |
| Average equity | $523,940,800 | 181 |
| Average total loans | $3,298,878,600 | 187 |