Home > Atlantic Union Bank > Performance and Condition Ratios
Atlantic Union Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 1,814 |
| Cost of funding earning assets | 2.1434% | 1,568 |
| Net interest margin | 3.4830% | 2,353 |
| Noninterest income to average assets | 0.5400% | 1,566 |
| Noninterest expense to average assets | 2.1329% | 3,286 |
| Loan and lease loss provision to assets | 0.2900% | 380 |
| Net operating income to assets | 0.9766% | 2,342 |
| Return on assets (ROA) | 0.9752% | 2,344 |
| Pretax return on assets | 1.2119% | 2,222 |
| Return on Equity (ROE) | 6.8600% | 3,160 |
| Retained earnings to average equity (ytd only) | -1.7562% | 3,894 |
| Net charge-offs to loans | 0.0494% | 1,165 |
| Credit loss provision to net charge-offs | 765.1449% | 399 |
| Earnings coverage of net charge-offs (x) | 40.3661% | 1,092 |
| Efficiency ratio | 56.2591% | 3,386 |
| Assets per employee ($millions) | 11.5224% | 512 |
| Cash dividends to net income (ytd only)* | 125.5861% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 2,960 |
| Loan loss allowance to noncurrent loans | 255.6642% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 2,017 |
| Noncurrent loans to loans | 0.4111% | 2,083 |
| Net loans and leases to total assets | 74.4000% | 1,286 |
| Net loans and leases to deposits | 88.7250% | 1,236 |
| Net loans and leases to core deposits | 99.4947% | 1,410 |
| Total domestic deposits to total assets | 83.8600% | 2,932 |
| Equity capital to assets | 14.2153% | 671 |
| Core capital (leverage) ratio | 10.7802% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4082% | 2,072 |
| Memoranda: | ||
| Average total assets | $24,494,608,500 | 86 |
| Average earning assets | $21,743,162,500 | 87 |
| Average equity | $3,480,201,000 | 68 |
| Average total loans | $18,458,627,500 | 76 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 1,356 |
| Cost of funding earning assets | 2.4594% | 1,229 |
| Net interest margin | 3.4921% | 2,095 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 2.1592% | 3,242 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 1.0994% | 1,747 |
| Return on assets (ROA) | 1.0761% | 1,828 |
| Pretax return on assets | 1.2967% | 1,766 |
| Return on Equity (ROE) | 7.7900% | 2,814 |
| Retained earnings to average equity (ytd only) | 3.6512% | 2,763 |
| Net charge-offs to loans | 0.0505% | 1,640 |
| Credit loss provision to net charge-offs | 585.7355% | 571 |
| Earnings coverage of net charge-offs (x) | 40.8208% | 1,330 |
| Efficiency ratio | 56.1173% | 3,546 |
| Assets per employee ($millions) | 11.5150% | 493 |
| Cash dividends to net income (ytd only)* | 53.1166% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,393 |
| Loan loss allowance to noncurrent loans | 247.7347% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 2,006 |
| Noncurrent loans to loans | 0.3902% | 2,108 |
| Net loans and leases to total assets | 74.7900% | 1,304 |
| Net loans and leases to deposits | 89.6334% | 1,233 |
| Net loans and leases to core deposits | 101.5217% | 1,358 |
| Total domestic deposits to total assets | 83.4400% | 2,926 |
| Equity capital to assets | 14.2007% | 651 |
| Core capital (leverage) ratio | 10.7367% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3042% | 2,112 |
| Memoranda: | ||
| Average total assets | $23,223,747,200 | 86 |
| Average earning assets | $20,623,426,000 | 87 |
| Average equity | $3,209,156,000 | 72 |
| Average total loans | $17,338,819,000 | 77 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9501% | 1,323 |
| Cost of funding earning assets | 2.4675% | 1,231 |
| Net interest margin | 3.4826% | 2,066 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 2.1852% | 3,118 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 1.0632% | 1,870 |
| Return on assets (ROA) | 1.0322% | 1,957 |
| Pretax return on assets | 1.2572% | 1,869 |
| Return on Equity (ROE) | 7.5300% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.6325% | 2,968 |
| Net charge-offs to loans | 0.0573% | 1,335 |
| Credit loss provision to net charge-offs | 435.9640% | 704 |
| Earnings coverage of net charge-offs (x) | 34.8368% | 1,422 |
| Efficiency ratio | 57.3722% | 3,419 |
| Assets per employee ($millions) | 11.6333% | 465 |
| Cash dividends to net income (ytd only)* | 51.7272% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 3,734 |
| Loan loss allowance to noncurrent loans | 308.8849% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 2,297 |
| Noncurrent loans to loans | 0.2835% | 2,428 |
| Net loans and leases to total assets | 73.6800% | 1,409 |
| Net loans and leases to deposits | 89.4673% | 1,294 |
| Net loans and leases to core deposits | 101.9850% | 1,367 |
| Total domestic deposits to total assets | 82.3500% | 3,018 |
| Equity capital to assets | 14.2214% | 691 |
| Core capital (leverage) ratio | 10.7428% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0290% | 2,232 |
| Memoranda: | ||
| Average total assets | $22,912,316,000 | 89 |
| Average earning assets | $20,353,904,750 | 89 |
| Average equity | $3,142,734,000 | 75 |
| Average total loans | $17,053,513,500 | 82 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8843% | 1,332 |
| Cost of funding earning assets | 2.4270% | 1,210 |
| Net interest margin | 3.4573% | 2,057 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 2.2605% | 2,905 |
| Loan and lease loss provision to assets | 0.2700% | 385 |
| Net operating income to assets | 0.9018% | 2,310 |
| Return on assets (ROA) | 0.8539% | 2,458 |
| Pretax return on assets | 1.0438% | 2,350 |
| Return on Equity (ROE) | 6.3100% | 3,197 |
| Retained earnings to average equity (ytd only) | 2.4039% | 3,216 |
| Net charge-offs to loans | 0.0801% | 1,004 |
| Credit loss provision to net charge-offs | 431.2603% | 686 |
| Earnings coverage of net charge-offs (x) | 22.9824% | 1,553 |
| Efficiency ratio | 60.3036% | 3,182 |
| Assets per employee ($millions) | 11.8298% | 437 |
| Cash dividends to net income (ytd only)* | 61.9098% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 3,801 |
| Loan loss allowance to noncurrent loans | 306.8598% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,184 |
| Noncurrent loans to loans | 0.2807% | 2,366 |
| Net loans and leases to total assets | 73.8700% | 1,427 |
| Net loans and leases to deposits | 90.9178% | 1,226 |
| Net loans and leases to core deposits | 102.8282% | 1,313 |
| Total domestic deposits to total assets | 81.2500% | 3,235 |
| Equity capital to assets | 13.6758% | 740 |
| Core capital (leverage) ratio | 10.5095% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6852% | 2,363 |
| Memoranda: | ||
| Average total assets | $22,321,143,333 | 90 |
| Average earning assets | $19,840,105,667 | 89 |
| Average equity | $3,020,085,667 | 76 |
| Average total loans | $16,621,892,333 | 81 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 1,675 |
| Cost of funding earning assets | 2.3325% | 1,280 |
| Net interest margin | 3.2396% | 2,479 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 1.9871% | 3,614 |
| Loan and lease loss provision to assets | 0.1600% | 649 |
| Net operating income to assets | 1.0479% | 1,816 |
| Return on assets (ROA) | 1.0480% | 1,816 |
| Pretax return on assets | 1.2844% | 1,674 |
| Return on Equity (ROE) | 7.7900% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.3851% | 2,598 |
| Net charge-offs to loans | 0.1248% | 640 |
| Credit loss provision to net charge-offs | 181.5297% | 854 |
| Earnings coverage of net charge-offs (x) | 15.4963% | 1,460 |
| Efficiency ratio | 56.9363% | 3,526 |
| Assets per employee ($millions) | 12.1865% | 407 |
| Cash dividends to net income (ytd only)* | 43.7402% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 3,815 |
| Loan loss allowance to noncurrent loans | 284.7317% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,233 |
| Noncurrent loans to loans | 0.3015% | 2,234 |
| Net loans and leases to total assets | 73.9600% | 1,334 |
| Net loans and leases to deposits | 90.8634% | 1,143 |
| Net loans and leases to core deposits | 98.6635% | 1,486 |
| Total domestic deposits to total assets | 81.4000% | 3,299 |
| Equity capital to assets | 13.3799% | 779 |
| Core capital (leverage) ratio | 11.1772% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2760% | 2,151 |
| Memoranda: | ||
| Average total assets | $21,160,956,000 | 92 |
| Average earning assets | $18,871,329,000 | 92 |
| Average equity | $2,845,171,000 | 78 |
| Average total loans | $15,752,790,500 | 84 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 1,590 |
| Cost of funding earning assets | 1.7791% | 1,282 |
| Net interest margin | 3.4633% | 2,269 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.1001% | 3,401 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.2671% | 1,500 |
| Return on assets (ROA) | 1.1011% | 1,887 |
| Pretax return on assets | 1.3318% | 1,791 |
| Return on Equity (ROE) | 8.2700% | 2,953 |
| Retained earnings to average equity (ytd only) | 3.7984% | 3,031 |
| Net charge-offs to loans | 0.0507% | 1,356 |
| Credit loss provision to net charge-offs | 381.5779% | 807 |
| Earnings coverage of net charge-offs (x) | 45.4485% | 1,351 |
| Efficiency ratio | 54.3382% | 3,652 |
| Assets per employee ($millions) | 11.6721% | 450 |
| Cash dividends to net income (ytd only)* | 54.0459% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 3,869 |
| Loan loss allowance to noncurrent loans | 260.5958% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 2,002 |
| Noncurrent loans to loans | 0.3243% | 2,021 |
| Net loans and leases to total assets | 73.6600% | 1,405 |
| Net loans and leases to deposits | 92.0166% | 1,094 |
| Net loans and leases to core deposits | 99.1158% | 1,481 |
| Total domestic deposits to total assets | 80.0500% | 3,453 |
| Equity capital to assets | 13.5115% | 767 |
| Core capital (leverage) ratio | 11.1561% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1493% | 2,193 |
| Memoranda: | ||
| Average total assets | $20,500,725,800 | 92 |
| Average earning assets | $18,207,335,000 | 93 |
| Average equity | $2,731,007,200 | 76 |
| Average total loans | $15,012,161,800 | 83 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 1,578 |
| Cost of funding earning assets | 1.6444% | 1,295 |
| Net interest margin | 3.4827% | 2,248 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.1127% | 3,320 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.3023% | 1,547 |
| Return on assets (ROA) | 1.0796% | 2,105 |
| Pretax return on assets | 1.2981% | 2,047 |
| Return on Equity (ROE) | 8.1300% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.6566% | 3,342 |
| Net charge-offs to loans | 0.0576% | 1,095 |
| Credit loss provision to net charge-offs | 331.5002% | 827 |
| Earnings coverage of net charge-offs (x) | 40.8397% | 1,432 |
| Efficiency ratio | 54.0288% | 3,585 |
| Assets per employee ($millions) | 11.9742% | 379 |
| Cash dividends to net income (ytd only)* | 55.0444% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 3,941 |
| Loan loss allowance to noncurrent loans | 310.2054% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,250 |
| Noncurrent loans to loans | 0.2649% | 2,288 |
| Net loans and leases to total assets | 73.5400% | 1,401 |
| Net loans and leases to deposits | 90.2159% | 1,222 |
| Net loans and leases to core deposits | 96.7509% | 1,517 |
| Total domestic deposits to total assets | 81.5200% | 3,304 |
| Equity capital to assets | 13.0016% | 813 |
| Core capital (leverage) ratio | 11.1775% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3039% | 2,159 |
| Memoranda: | ||
| Average total assets | $20,361,800,500 | 93 |
| Average earning assets | $18,069,710,000 | 94 |
| Average equity | $2,702,498,250 | 77 |
| Average total loans | $14,854,764,000 | 86 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 1,605 |
| Cost of funding earning assets | 1.4744% | 1,290 |
| Net interest margin | 3.4990% | 2,266 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.1195% | 3,295 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.1205% | 2,058 |
| Return on assets (ROA) | 1.0108% | 2,381 |
| Pretax return on assets | 1.2162% | 2,317 |
| Return on Equity (ROE) | 7.5600% | 3,349 |
| Retained earnings to average equity (ytd only) | 3.3934% | 3,377 |
| Net charge-offs to loans | 0.0833% | 765 |
| Credit loss provision to net charge-offs | 261.8511% | 933 |
| Earnings coverage of net charge-offs (x) | 25.2391% | 1,632 |
| Efficiency ratio | 56.9375% | 3,311 |
| Assets per employee ($millions) | 10.9136% | 521 |
| Cash dividends to net income (ytd only)* | 55.1349% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,024 |
| Loan loss allowance to noncurrent loans | 307.7392% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 2,185 |
| Noncurrent loans to loans | 0.2601% | 2,228 |
| Net loans and leases to total assets | 72.9700% | 1,415 |
| Net loans and leases to deposits | 91.0481% | 1,108 |
| Net loans and leases to core deposits | 97.2254% | 1,400 |
| Total domestic deposits to total assets | 80.1500% | 3,556 |
| Equity capital to assets | 13.2700% | 758 |
| Core capital (leverage) ratio | 11.2595% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2561% | 2,193 |
| Memoranda: | ||
| Average total assets | $20,275,848,333 | 92 |
| Average earning assets | $18,007,450,000 | 93 |
| Average equity | $2,709,705,000 | 76 |
| Average total loans | $14,709,609,333 | 85 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 1,484 |
| Cost of funding earning assets | 1.3276% | 1,176 |
| Net interest margin | 3.5340% | 2,274 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.1516% | 3,248 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.0298% | 2,440 |
| Return on assets (ROA) | 0.8119% | 3,107 |
| Pretax return on assets | 0.9947% | 3,015 |
| Return on Equity (ROE) | 6.0500% | 3,706 |
| Retained earnings to average equity (ytd only) | 2.9846% | 3,511 |
| Net charge-offs to loans | 0.1255% | 520 |
| Credit loss provision to net charge-offs | 225.9925% | 779 |
| Earnings coverage of net charge-offs (x) | 16.5381% | 1,518 |
| Efficiency ratio | 57.7547% | 3,218 |
| Assets per employee ($millions) | 10.8640% | 532 |
| Cash dividends to net income (ytd only)* | 50.6951% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 4,087 |
| Loan loss allowance to noncurrent loans | 268.3866% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 1,891 |
| Noncurrent loans to loans | 0.2974% | 2,080 |
| Net loans and leases to total assets | 72.4500% | 1,379 |
| Net loans and leases to deposits | 87.9227% | 1,211 |
| Net loans and leases to core deposits | 92.9299% | 1,458 |
| Total domestic deposits to total assets | 82.4000% | 3,421 |
| Equity capital to assets | 13.7216% | 633 |
| Core capital (leverage) ratio | 11.0228% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4194% | 2,211 |
| Memoranda: | ||
| Average total assets | $20,165,927,500 | 94 |
| Average earning assets | $17,903,467,000 | 96 |
| Average equity | $2,704,671,000 | 79 |
| Average total loans | $14,525,785,500 | 89 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 2,445 |
| Cost of funding earning assets | 0.3489% | 2,482 |
| Net interest margin | 3.3841% | 2,307 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.0628% | 3,411 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.2484% | 1,607 |
| Return on assets (ROA) | 1.2484% | 1,555 |
| Pretax return on assets | 1.5318% | 1,357 |
| Return on Equity (ROE) | 9.0700% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.3379% | 2,901 |
| Net charge-offs to loans | 0.0170% | 1,777 |
| Credit loss provision to net charge-offs | 570.6815% | 628 |
| Earnings coverage of net charge-offs (x) | 138.7025% | 830 |
| Efficiency ratio | 54.4230% | 3,758 |
| Assets per employee ($millions) | 10.8375% | 527 |
| Cash dividends to net income (ytd only)* | 41.1790% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 4,102 |
| Loan loss allowance to noncurrent loans | 320.8156% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 2,167 |
| Noncurrent loans to loans | 0.2389% | 2,321 |
| Net loans and leases to total assets | 70.5100% | 1,582 |
| Net loans and leases to deposits | 89.8878% | 1,063 |
| Net loans and leases to core deposits | 92.2135% | 1,374 |
| Total domestic deposits to total assets | 78.4400% | 4,051 |
| Equity capital to assets | 13.1079% | 684 |
| Core capital (leverage) ratio | 11.0226% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3049% | 2,234 |
| Memoranda: | ||
| Average total assets | $19,882,570,000 | 101 |
| Average earning assets | $17,681,079,800 | 102 |
| Average equity | $2,735,290,400 | 82 |
| Average total loans | $13,750,648,200 | 94 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 2,706 |
| Cost of funding earning assets | 0.2111% | 3,137 |
| Net interest margin | 3.2597% | 2,429 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.0707% | 3,294 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1650% | 1,836 |
| Return on assets (ROA) | 1.1650% | 1,809 |
| Pretax return on assets | 1.4476% | 1,560 |
| Return on Equity (ROE) | 8.3700% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.6507% | 3,217 |
| Net charge-offs to loans | 0.0149% | 1,571 |
| Credit loss provision to net charge-offs | 640.2102% | 540 |
| Earnings coverage of net charge-offs (x) | 149.4100% | 748 |
| Efficiency ratio | 55.8693% | 3,632 |
| Assets per employee ($millions) | 10.4937% | 562 |
| Cash dividends to net income (ytd only)* | 44.4143% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 4,139 |
| Loan loss allowance to noncurrent loans | 319.0530% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,256 |
| Noncurrent loans to loans | 0.2430% | 2,412 |
| Net loans and leases to total assets | 69.7000% | 1,503 |
| Net loans and leases to deposits | 83.3918% | 1,345 |
| Net loans and leases to core deposits | 85.6146% | 1,547 |
| Total domestic deposits to total assets | 83.5800% | 3,588 |
| Equity capital to assets | 12.9714% | 679 |
| Core capital (leverage) ratio | 10.9484% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3798% | 2,326 |
| Memoranda: | ||
| Average total assets | $19,767,692,250 | 104 |
| Average earning assets | $17,592,909,750 | 104 |
| Average equity | $2,752,506,000 | 83 |
| Average total loans | $13,575,040,750 | 96 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2621% | 2,868 |
| Cost of funding earning assets | 0.1274% | 3,874 |
| Net interest margin | 3.1346% | 2,424 |
| Noninterest income to average assets | 0.7683% | 1,127 |
| Noninterest expense to average assets | 2.0901% | 3,182 |
| Loan and lease loss provision to assets | 0.0644% | 1,448 |
| Net operating income to assets | 1.1188% | 1,705 |
| Return on assets (ROA) | 1.1188% | 1,680 |
| Pretax return on assets | 1.4065% | 1,420 |
| Return on Equity (ROE) | 7.8546% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.4970% | 2,881 |
| Net charge-offs to loans | 0.0139% | 1,494 |
| Credit loss provision to net charge-offs | 570.2674% | 597 |
| Earnings coverage of net charge-offs (x) | 155.3209% | 630 |
| Efficiency ratio | 57.0005% | 3,682 |
| Assets per employee ($millions) | 10.4079% | 582 |
| Cash dividends to net income (ytd only)* | 42.7463% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 4,237 |
| Loan loss allowance to noncurrent loans | 309.4911% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,296 |
| Noncurrent loans to loans | 0.2462% | 2,500 |
| Net loans and leases to total assets | 69.4108% | 1,357 |
| Net loans and leases to deposits | 83.9733% | 1,122 |
| Net loans and leases to core deposits | 86.1579% | 1,330 |
| Total domestic deposits to total assets | 82.6582% | 3,922 |
| Equity capital to assets | 13.7402% | 555 |
| Core capital (leverage) ratio | 10.9032% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4451% | 2,310 |
| Memoranda: | ||
| Average total assets | $19,745,915,000 | 103 |
| Average earning assets | $17,592,682,333 | 104 |
| Average equity | $2,812,469,333 | 82 |
| Average total loans | $13,456,184,667 | 93 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 2,890 |
| Cost of funding earning assets | 0.1024% | 4,103 |
| Net interest margin | 3.0235% | 2,430 |
| Noninterest income to average assets | 0.6716% | 1,403 |
| Noninterest expense to average assets | 2.1458% | 2,997 |
| Loan and lease loss provision to assets | 0.0564% | 1,376 |
| Net operating income to assets | 0.9495% | 2,075 |
| Return on assets (ROA) | 0.9495% | 2,066 |
| Pretax return on assets | 1.1653% | 1,931 |
| Return on Equity (ROE) | 6.5522% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.5522% | 2,055 |
| Net charge-offs to loans | -0.0001% | 2,969 |
| Credit loss provision to net charge-offs | -70,000.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9020% | 3,273 |
| Assets per employee ($millions) | 10.6153% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 4,300 |
| Loan loss allowance to noncurrent loans | 275.2052% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 2,261 |
| Noncurrent loans to loans | 0.2765% | 2,484 |
| Net loans and leases to total assets | 67.9384% | 1,218 |
| Net loans and leases to deposits | 80.8601% | 1,088 |
| Net loans and leases to core deposits | 82.6438% | 1,319 |
| Total domestic deposits to total assets | 84.0197% | 3,764 |
| Equity capital to assets | 14.1908% | 497 |
| Core capital (leverage) ratio | 10.7112% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3478% | 2,465 |
| Memoranda: | ||
| Average total assets | $19,845,827,000 | 103 |
| Average earning assets | $17,695,517,000 | 105 |
| Average equity | $2,875,864,000 | 79 |
| Average total loans | $13,348,640,000 | 93 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 3,024 |
| Cost of funding earning assets | 0.1583% | 3,888 |
| Net interest margin | 3.2029% | 2,592 |
| Noninterest income to average assets | 0.6928% | 1,791 |
| Noninterest expense to average assets | 2.0806% | 3,436 |
| Loan and lease loss provision to assets | -0.3069% | 4,778 |
| Net operating income to assets | 1.4188% | 1,220 |
| Return on assets (ROA) | 1.4192% | 1,283 |
| Pretax return on assets | 1.7638% | 991 |
| Return on Equity (ROE) | 9.6620% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.5619% | 2,536 |
| Net charge-offs to loans | 0.0136% | 2,055 |
| Credit loss provision to net charge-offs | -3,157.5335% | 4,116 |
| Earnings coverage of net charge-offs (x) | 154.9614% | 640 |
| Efficiency ratio | 56.8413% | 3,597 |
| Assets per employee ($millions) | 10.6611% | 557 |
| Cash dividends to net income (ytd only)* | 42.4353% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,337 |
| Loan loss allowance to noncurrent loans | 248.0413% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 2,347 |
| Noncurrent loans to loans | 0.3044% | 2,500 |
| Net loans and leases to total assets | 65.5836% | 1,521 |
| Net loans and leases to deposits | 78.4585% | 1,359 |
| Net loans and leases to core deposits | 80.5670% | 1,550 |
| Total domestic deposits to total assets | 83.5902% | 3,669 |
| Equity capital to assets | 14.7867% | 522 |
| Core capital (leverage) ratio | 10.3664% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3790% | 2,500 |
| Memoranda: | ||
| Average total assets | $19,842,778,200 | 99 |
| Average earning assets | $17,620,626,200 | 104 |
| Average equity | $2,914,567,600 | 81 |
| Average total loans | $13,712,356,200 | 90 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3768% | 3,174 |
| Cost of funding earning assets | 0.1741% | 3,883 |
| Net interest margin | 3.2027% | 2,722 |
| Noninterest income to average assets | 0.6683% | 1,939 |
| Noninterest expense to average assets | 2.0512% | 3,518 |
| Loan and lease loss provision to assets | -0.4032% | 4,863 |
| Net operating income to assets | 1.5030% | 1,268 |
| Return on assets (ROA) | 1.5035% | 1,314 |
| Pretax return on assets | 1.8615% | 1,020 |
| Return on Equity (ROE) | 10.2531% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.2585% | 2,719 |
| Net charge-offs to loans | 0.0130% | 1,844 |
| Credit loss provision to net charge-offs | -4,238.4047% | 4,108 |
| Earnings coverage of net charge-offs (x) | 159.9010% | 649 |
| Efficiency ratio | 56.4086% | 3,483 |
| Assets per employee ($millions) | 10.3458% | 580 |
| Cash dividends to net income (ytd only)* | 38.9598% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 4,393 |
| Loan loss allowance to noncurrent loans | 218.9063% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,496 |
| Noncurrent loans to loans | 0.3530% | 2,510 |
| Net loans and leases to total assets | 65.7797% | 1,572 |
| Net loans and leases to deposits | 78.6059% | 1,426 |
| Net loans and leases to core deposits | 81.1685% | 1,640 |
| Total domestic deposits to total assets | 83.6829% | 3,545 |
| Equity capital to assets | 14.8050% | 572 |
| Core capital (leverage) ratio | 10.3562% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6445% | 2,485 |
| Memoranda: | ||
| Average total assets | $19,803,395,500 | 100 |
| Average earning assets | $17,564,166,500 | 104 |
| Average equity | $2,903,865,000 | 82 |
| Average total loans | $13,836,269,250 | 88 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 3,181 |
| Cost of funding earning assets | 0.1943% | 3,814 |
| Net interest margin | 3.2073% | 2,732 |
| Noninterest income to average assets | 0.6710% | 1,925 |
| Noninterest expense to average assets | 2.1013% | 3,384 |
| Loan and lease loss provision to assets | -0.4149% | 4,886 |
| Net operating income to assets | 1.4977% | 1,300 |
| Return on assets (ROA) | 1.4984% | 1,360 |
| Pretax return on assets | 1.8310% | 1,164 |
| Return on Equity (ROE) | 10.2514% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.5219% | 1,887 |
| Net charge-offs to loans | 0.0177% | 1,590 |
| Credit loss provision to net charge-offs | -3,306.8493% | 3,919 |
| Earnings coverage of net charge-offs (x) | 112.7840% | 697 |
| Efficiency ratio | 57.6569% | 3,326 |
| Assets per employee ($millions) | 10.5856% | 511 |
| Cash dividends to net income (ytd only)* | 16.8707% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 4,261 |
| Loan loss allowance to noncurrent loans | 261.9523% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 2,626 |
| Noncurrent loans to loans | 0.3288% | 2,734 |
| Net loans and leases to total assets | 68.2193% | 1,420 |
| Net loans and leases to deposits | 81.4608% | 1,280 |
| Net loans and leases to core deposits | 84.1801% | 1,546 |
| Total domestic deposits to total assets | 83.7450% | 3,514 |
| Equity capital to assets | 14.7986% | 564 |
| Core capital (leverage) ratio | 10.3588% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6160% | 2,509 |
| Memoranda: | ||
| Average total assets | $19,779,789,000 | 99 |
| Average earning assets | $17,548,865,000 | 104 |
| Average equity | $2,891,030,667 | 82 |
| Average total loans | $14,056,691,000 | 88 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 3,282 |
| Cost of funding earning assets | 0.2230% | 3,702 |
| Net interest margin | 3.1487% | 2,848 |
| Noninterest income to average assets | 0.6866% | 1,907 |
| Noninterest expense to average assets | 2.3034% | 2,774 |
| Loan and lease loss provision to assets | -0.2767% | 4,850 |
| Net operating income to assets | 1.2052% | 2,121 |
| Return on assets (ROA) | 1.2066% | 2,202 |
| Pretax return on assets | 1.4616% | 2,104 |
| Return on Equity (ROE) | 8.3075% | 3,241 |
| Retained earnings to average equity (ytd only) | 8.3075% | 2,150 |
| Net charge-offs to loans | 0.0330% | 1,155 |
| Credit loss provision to net charge-offs | -1,404.1809% | 3,450 |
| Earnings coverage of net charge-offs (x) | 49.7048% | 902 |
| Efficiency ratio | 63.8904% | 2,479 |
| Assets per employee ($millions) | 10.5887% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,843 |
| Loan loss allowance to noncurrent loans | 276.7341% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 2,530 |
| Noncurrent loans to loans | 0.3606% | 2,791 |
| Net loans and leases to total assets | 71.6055% | 1,081 |
| Net loans and leases to deposits | 86.4839% | 926 |
| Net loans and leases to core deposits | 89.7578% | 1,248 |
| Total domestic deposits to total assets | 82.7963% | 3,741 |
| Equity capital to assets | 14.5072% | 567 |
| Core capital (leverage) ratio | 10.1112% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5008% | 2,489 |
| Memoranda: | ||
| Average total assets | $19,692,751,000 | 99 |
| Average earning assets | $17,512,250,500 | 105 |
| Average equity | $2,860,098,000 | 82 |
| Average total loans | $14,219,709,000 | 89 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 2,961 |
| Cost of funding earning assets | 0.5082% | 2,902 |
| Net interest margin | 3.4153% | 2,728 |
| Noninterest income to average assets | 0.6436% | 2,053 |
| Noninterest expense to average assets | 2.1901% | 3,690 |
| Loan and lease loss provision to assets | 0.4350% | 658 |
| Net operating income to assets | 0.8619% | 2,855 |
| Return on assets (ROA) | 0.9165% | 2,754 |
| Pretax return on assets | 1.0938% | 2,722 |
| Return on Equity (ROE) | 6.2758% | 3,494 |
| Retained earnings to average equity (ytd only) | 2.7293% | 3,496 |
| Net charge-offs to loans | 0.0836% | 1,629 |
| Credit loss provision to net charge-offs | 718.6659% | 982 |
| Earnings coverage of net charge-offs (x) | 24.1841% | 1,781 |
| Efficiency ratio | 57.5403% | 3,786 |
| Assets per employee ($millions) | 10.4229% | 469 |
| Cash dividends to net income (ytd only)* | 56.5107% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,271 |
| Loan loss allowance to noncurrent loans | 286.2594% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 2,581 |
| Noncurrent loans to loans | 0.3972% | 2,785 |
| Net loans and leases to total assets | 71.2674% | 1,392 |
| Net loans and leases to deposits | 88.0823% | 1,084 |
| Net loans and leases to core deposits | 92.5493% | 1,337 |
| Total domestic deposits to total assets | 80.9100% | 3,887 |
| Equity capital to assets | 14.5402% | 670 |
| Core capital (leverage) ratio | 9.7482% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0937% | 2,593 |
| Memoranda: | ||
| Average total assets | $18,898,507,400 | 98 |
| Average earning assets | $16,656,794,000 | 99 |
| Average equity | $2,759,884,000 | 80 |
| Average total loans | $13,685,892,600 | 89 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,036 |
| Cost of funding earning assets | 0.5788% | 2,746 |
| Net interest margin | 3.3991% | 2,926 |
| Noninterest income to average assets | 0.6339% | 2,055 |
| Noninterest expense to average assets | 2.1030% | 3,936 |
| Loan and lease loss provision to assets | 0.6694% | 342 |
| Net operating income to assets | 0.7125% | 3,421 |
| Return on assets (ROA) | 0.7860% | 3,262 |
| Pretax return on assets | 0.9404% | 3,263 |
| Return on Equity (ROE) | 5.3760% | 3,761 |
| Retained earnings to average equity (ytd only) | 0.6095% | 4,356 |
| Net charge-offs to loans | 0.0949% | 1,360 |
| Credit loss provision to net charge-offs | 972.3239% | 844 |
| Earnings coverage of net charge-offs (x) | 22.1120% | 1,840 |
| Efficiency ratio | 55.5209% | 3,982 |
| Assets per employee ($millions) | 10.5591% | 427 |
| Cash dividends to net income (ytd only)* | 88.6618% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,631 |
| Loan loss allowance to noncurrent loans | 318.4324% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 2,759 |
| Noncurrent loans to loans | 0.3788% | 2,927 |
| Net loans and leases to total assets | 71.7288% | 1,709 |
| Net loans and leases to deposits | 90.6391% | 1,206 |
| Net loans and leases to core deposits | 94.7521% | 1,571 |
| Total domestic deposits to total assets | 79.1367% | 4,040 |
| Equity capital to assets | 13.9643% | 866 |
| Core capital (leverage) ratio | 9.4917% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8031% | 2,683 |
| Memoranda: | ||
| Average total assets | $18,726,957,000 | 98 |
| Average earning assets | $16,480,455,500 | 99 |
| Average equity | $2,737,941,000 | 80 |
| Average total loans | $13,577,851,750 | 89 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 2,909 |
| Cost of funding earning assets | 0.6794% | 2,505 |
| Net interest margin | 3.4706% | 2,882 |
| Noninterest income to average assets | 0.5911% | 2,160 |
| Noninterest expense to average assets | 2.2044% | 3,772 |
| Loan and lease loss provision to assets | 0.9645% | 223 |
| Net operating income to assets | 0.3837% | 4,266 |
| Return on assets (ROA) | 0.4921% | 4,113 |
| Pretax return on assets | 0.6043% | 4,055 |
| Return on Equity (ROE) | 3.3124% | 4,283 |
| Retained earnings to average equity (ytd only) | -3.8712% | 4,717 |
| Net charge-offs to loans | 0.1242% | 1,099 |
| Credit loss provision to net charge-offs | 1,071.2850% | 757 |
| Earnings coverage of net charge-offs (x) | 15.9379% | 1,883 |
| Efficiency ratio | 57.9874% | 3,683 |
| Assets per employee ($millions) | 9.9882% | 502 |
| Cash dividends to net income (ytd only)* | 216.8701% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,599 |
| Loan loss allowance to noncurrent loans | 288.6887% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 2,979 |
| Noncurrent loans to loans | 0.4099% | 2,935 |
| Net loans and leases to total assets | 72.0247% | 1,703 |
| Net loans and leases to deposits | 89.9127% | 1,362 |
| Net loans and leases to core deposits | 94.5286% | 1,701 |
| Total domestic deposits to total assets | 80.1052% | 3,814 |
| Equity capital to assets | 13.7509% | 909 |
| Core capital (leverage) ratio | 9.3819% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4822% | 2,820 |
| Memoranda: | ||
| Average total assets | $18,341,675,000 | 99 |
| Average earning assets | $16,109,779,667 | 100 |
| Average equity | $2,725,091,667 | 81 |
| Average total loans | $13,291,861,667 | 94 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 2,500 |
| Cost of funding earning assets | 0.8427% | 2,149 |
| Net interest margin | 3.5899% | 2,699 |
| Noninterest income to average assets | 0.6266% | 1,923 |
| Noninterest expense to average assets | 2.2284% | 3,933 |
| Loan and lease loss provision to assets | 1.2743% | 139 |
| Net operating income to assets | 0.2191% | 4,500 |
| Return on assets (ROA) | 0.2551% | 4,462 |
| Pretax return on assets | 0.3117% | 4,437 |
| Return on Equity (ROE) | 1.6485% | 4,521 |
| Retained earnings to average equity (ytd only) | -8.7998% | 4,719 |
| Net charge-offs to loans | 0.1565% | 826 |
| Credit loss provision to net charge-offs | 1,127.1489% | 523 |
| Earnings coverage of net charge-offs (x) | 13.6406% | 1,639 |
| Efficiency ratio | 56.4574% | 4,165 |
| Assets per employee ($millions) | 8.8524% | 558 |
| Cash dividends to net income (ytd only)* | 633.8128% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,216 |
| Loan loss allowance to noncurrent loans | 247.6263% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 3,006 |
| Noncurrent loans to loans | 0.4434% | 2,927 |
| Net loans and leases to total assets | 71.3647% | 2,025 |
| Net loans and leases to deposits | 93.6510% | 1,107 |
| Net loans and leases to core deposits | 99.8269% | 1,485 |
| Total domestic deposits to total assets | 76.2028% | 4,464 |
| Equity capital to assets | 15.1078% | 738 |
| Core capital (leverage) ratio | 10.0911% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2336% | 3,029 |
| Memoranda: | ||
| Average total assets | $17,659,134,500 | 99 |
| Average earning assets | $15,465,711,000 | 101 |
| Average equity | $2,732,705,000 | 80 |
| Average total loans | $12,755,936,000 | 93 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 1,929 |
| Cost of funding earning assets | 1.0067% | 1,699 |
| Net interest margin | 3.8315% | 2,402 |
| Noninterest income to average assets | 0.7582% | 1,595 |
| Noninterest expense to average assets | 2.4694% | 3,528 |
| Loan and lease loss provision to assets | 0.1339% | 1,587 |
| Net operating income to assets | 1.2484% | 1,873 |
| Return on assets (ROA) | 1.2860% | 1,824 |
| Pretax return on assets | 1.5517% | 1,643 |
| Return on Equity (ROE) | 8.0347% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.1551% | 3,916 |
| Net charge-offs to loans | 0.1768% | 1,143 |
| Credit loss provision to net charge-offs | 105.9829% | 2,344 |
| Earnings coverage of net charge-offs (x) | 12.9855% | 2,380 |
| Efficiency ratio | 57.3615% | 4,040 |
| Assets per employee ($millions) | 8.8065% | 531 |
| Cash dividends to net income (ytd only)* | 73.1770% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3339% | 5,021 |
| Loan loss allowance to noncurrent loans | 77.1493% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 2,959 |
| Noncurrent loans to loans | 0.4328% | 2,896 |
| Net loans and leases to total assets | 72.0713% | 2,081 |
| Net loans and leases to deposits | 94.8010% | 1,075 |
| Net loans and leases to core deposits | 101.2760% | 1,462 |
| Total domestic deposits to total assets | 76.0237% | 4,596 |
| Equity capital to assets | 15.8477% | 630 |
| Core capital (leverage) ratio | 10.4470% | 3,007 |
| Tier 1 risk-based capital ratio | 12.1751% | 4,260 |
| Total risk-based capital ratio | 12.4836% | 4,657 |
| Memoranda: | ||
| Average total assets | $16,527,659,400 | 96 |
| Average earning assets | $14,456,582,000 | 97 |
| Average equity | $2,645,258,800 | 80 |
| Average total loans | $11,805,239,400 | 95 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 1,751 |
| Cost of funding earning assets | 1.0342% | 1,610 |
| Net interest margin | 3.8899% | 2,291 |
| Noninterest income to average assets | 0.7861% | 1,462 |
| Noninterest expense to average assets | 2.5796% | 3,218 |
| Loan and lease loss provision to assets | 0.1558% | 1,204 |
| Net operating income to assets | 1.2024% | 2,185 |
| Return on assets (ROA) | 1.2510% | 2,094 |
| Pretax return on assets | 1.5075% | 1,932 |
| Return on Equity (ROE) | 7.7955% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.0477% | 3,869 |
| Net charge-offs to loans | 0.1869% | 922 |
| Credit loss provision to net charge-offs | 117.0769% | 1,998 |
| Earnings coverage of net charge-offs (x) | 12.0566% | 2,389 |
| Efficiency ratio | 58.9282% | 3,810 |
| Assets per employee ($millions) | 8.9392% | 495 |
| Cash dividends to net income (ytd only)* | 60.9042% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3540% | 5,089 |
| Loan loss allowance to noncurrent loans | 86.8669% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 3,066 |
| Noncurrent loans to loans | 0.4075% | 3,088 |
| Net loans and leases to total assets | 70.9103% | 2,337 |
| Net loans and leases to deposits | 93.9432% | 1,221 |
| Net loans and leases to core deposits | 101.3934% | 1,556 |
| Total domestic deposits to total assets | 75.4821% | 4,698 |
| Equity capital to assets | 15.9957% | 634 |
| Core capital (leverage) ratio | 10.5925% | 3,014 |
| Tier 1 risk-based capital ratio | 12.4297% | 4,185 |
| Total risk-based capital ratio | 12.7574% | 4,563 |
| Memoranda: | ||
| Average total assets | $16,280,560,250 | 99 |
| Average earning assets | $14,221,721,750 | 101 |
| Average equity | $2,612,601,250 | 82 |
| Average total loans | $11,589,964,000 | 95 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9903% | 1,510 |
| Cost of funding earning assets | 1.0435% | 1,519 |
| Net interest margin | 3.9468% | 2,106 |
| Noninterest income to average assets | 0.6870% | 1,771 |
| Noninterest expense to average assets | 2.5721% | 3,270 |
| Loan and lease loss provision to assets | 0.1248% | 1,490 |
| Net operating income to assets | 1.1981% | 2,156 |
| Return on assets (ROA) | 1.1980% | 2,218 |
| Pretax return on assets | 1.4394% | 2,070 |
| Return on Equity (ROE) | 7.4569% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.4639% | 3,034 |
| Net charge-offs to loans | 0.1502% | 1,041 |
| Credit loss provision to net charge-offs | 116.6686% | 1,777 |
| Earnings coverage of net charge-offs (x) | 14.6216% | 2,024 |
| Efficiency ratio | 59.4081% | 3,810 |
| Assets per employee ($millions) | 8.8689% | 492 |
| Cash dividends to net income (ytd only)* | 40.1377% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3457% | 5,145 |
| Loan loss allowance to noncurrent loans | 87.6339% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,091 |
| Noncurrent loans to loans | 0.3945% | 3,113 |
| Net loans and leases to total assets | 71.4765% | 2,295 |
| Net loans and leases to deposits | 97.6811% | 877 |
| Net loans and leases to core deposits | 104.1707% | 1,371 |
| Total domestic deposits to total assets | 73.1733% | 4,892 |
| Equity capital to assets | 16.1603% | 594 |
| Core capital (leverage) ratio | 10.6489% | 2,937 |
| Tier 1 risk-based capital ratio | 12.4615% | 4,147 |
| Total risk-based capital ratio | 12.7821% | 4,558 |
| Memoranda: | ||
| Average total assets | $15,908,831,000 | 99 |
| Average earning assets | $13,901,437,670 | 104 |
| Average equity | $2,555,945,330 | 83 |
| Average total loans | $11,326,883,670 | 97 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 1,466 |
| Cost of funding earning assets | 1.0176% | 1,491 |
| Net interest margin | 3.9362% | 2,073 |
| Noninterest income to average assets | 0.6389% | 1,871 |
| Noninterest expense to average assets | 2.6564% | 3,039 |
| Loan and lease loss provision to assets | 0.1052% | 1,685 |
| Net operating income to assets | 1.1005% | 2,461 |
| Return on assets (ROA) | 1.1006% | 2,509 |
| Pretax return on assets | 1.3199% | 2,377 |
| Return on Equity (ROE) | 6.8731% | 3,724 |
| Retained earnings to average equity (ytd only) | 2.6284% | 3,883 |
| Net charge-offs to loans | 0.1564% | 859 |
| Credit loss provision to net charge-offs | 94.8621% | 1,673 |
| Earnings coverage of net charge-offs (x) | 12.8419% | 1,852 |
| Efficiency ratio | 62.3911% | 3,472 |
| Assets per employee ($millions) | 8.6639% | 535 |
| Cash dividends to net income (ytd only)* | 61.7577% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3408% | 5,217 |
| Loan loss allowance to noncurrent loans | 84.6348% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 3,226 |
| Noncurrent loans to loans | 0.4026% | 3,144 |
| Net loans and leases to total assets | 70.7834% | 2,366 |
| Net loans and leases to deposits | 95.3994% | 1,027 |
| Net loans and leases to core deposits | 101.2589% | 1,516 |
| Total domestic deposits to total assets | 74.1969% | 4,913 |
| Equity capital to assets | 16.0474% | 564 |
| Core capital (leverage) ratio | 11.2450% | 2,346 |
| Tier 1 risk-based capital ratio | 12.1341% | 4,389 |
| Total risk-based capital ratio | 12.4481% | 4,793 |
| Memoranda: | ||
| Average total assets | $15,300,319,000 | 103 |
| Average earning assets | $13,378,946,500 | 107 |
| Average equity | $2,450,121,000 | 87 |
| Average total loans | $10,848,614,500 | 101 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,506 |
| Cost of funding earning assets | 0.7914% | 1,564 |
| Net interest margin | 4.0273% | 1,898 |
| Noninterest income to average assets | 0.8332% | 1,359 |
| Noninterest expense to average assets | 2.6127% | 3,299 |
| Loan and lease loss provision to assets | 0.1126% | 1,960 |
| Net operating income to assets | 1.3535% | 1,604 |
| Return on assets (ROA) | 1.3307% | 1,672 |
| Pretax return on assets | 1.6202% | 1,403 |
| Return on Equity (ROE) | 8.4914% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.9014% | 2,241 |
| Net charge-offs to loans | 0.1216% | 1,517 |
| Credit loss provision to net charge-offs | 127.3187% | 2,069 |
| Earnings coverage of net charge-offs (x) | 19.8377% | 2,036 |
| Efficiency ratio | 57.4671% | 4,222 |
| Assets per employee ($millions) | 8.5345% | 547 |
| Cash dividends to net income (ytd only)* | 30.5012% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4224% | 5,195 |
| Loan loss allowance to noncurrent loans | 81.1920% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 2,837 |
| Noncurrent loans to loans | 0.5203% | 2,715 |
| Net loans and leases to total assets | 70.4570% | 2,503 |
| Net loans and leases to deposits | 96.9583% | 980 |
| Net loans and leases to core deposits | 101.7335% | 1,599 |
| Total domestic deposits to total assets | 72.6673% | 5,032 |
| Equity capital to assets | 15.9719% | 536 |
| Core capital (leverage) ratio | 10.8419% | 2,687 |
| Tier 1 risk-based capital ratio | 12.3968% | 4,189 |
| Total risk-based capital ratio | 12.7741% | 4,617 |
| Memoranda: | ||
| Average total assets | $12,503,517,200 | 114 |
| Average earning assets | $10,973,674,600 | 118 |
| Average equity | $1,959,484,200 | 98 |
| Average total loans | $9,094,855,600 | 111 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 1,338 |
| Cost of funding earning assets | 0.7373% | 1,636 |
| Net interest margin | 4.0952% | 1,647 |
| Noninterest income to average assets | 0.8822% | 1,246 |
| Noninterest expense to average assets | 2.7911% | 2,665 |
| Loan and lease loss provision to assets | 0.1015% | 1,973 |
| Net operating income to assets | 1.3058% | 1,834 |
| Return on assets (ROA) | 1.2752% | 1,953 |
| Pretax return on assets | 1.5554% | 1,717 |
| Return on Equity (ROE) | 8.1815% | 3,476 |
| Retained earnings to average equity (ytd only) | 5.6917% | 2,828 |
| Net charge-offs to loans | 0.0897% | 1,607 |
| Credit loss provision to net charge-offs | 154.2962% | 1,665 |
| Earnings coverage of net charge-offs (x) | 25.6465% | 1,767 |
| Efficiency ratio | 59.9149% | 3,824 |
| Assets per employee ($millions) | 8.2316% | 593 |
| Cash dividends to net income (ytd only)* | 30.4321% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 5,254 |
| Loan loss allowance to noncurrent loans | 81.4574% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 2,828 |
| Noncurrent loans to loans | 0.5386% | 2,768 |
| Net loans and leases to total assets | 70.2270% | 2,607 |
| Net loans and leases to deposits | 95.1916% | 1,247 |
| Net loans and leases to core deposits | 100.1517% | 1,781 |
| Total domestic deposits to total assets | 73.7744% | 4,999 |
| Equity capital to assets | 16.0717% | 527 |
| Core capital (leverage) ratio | 11.0457% | 2,537 |
| Tier 1 risk-based capital ratio | 12.4327% | 4,233 |
| Total risk-based capital ratio | 12.8260% | 4,635 |
| Memoranda: | ||
| Average total assets | $12,196,394,500 | 116 |
| Average earning assets | $10,709,026,500 | 118 |
| Average equity | $1,901,039,250 | 100 |
| Average total loans | $8,939,517,750 | 111 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 941 |
| Cost of funding earning assets | 0.7256% | 1,495 |
| Net interest margin | 4.2150% | 1,246 |
| Noninterest income to average assets | 1.0202% | 922 |
| Noninterest expense to average assets | 3.0345% | 1,956 |
| Loan and lease loss provision to assets | 0.1047% | 1,859 |
| Net operating income to assets | 1.3022% | 1,768 |
| Return on assets (ROA) | 1.2632% | 1,925 |
| Pretax return on assets | 1.5510% | 1,656 |
| Return on Equity (ROE) | 8.2003% | 3,416 |
| Retained earnings to average equity (ytd only) | 5.6727% | 2,737 |
| Net charge-offs to loans | 0.0651% | 1,691 |
| Credit loss provision to net charge-offs | 216.3751% | 1,232 |
| Earnings coverage of net charge-offs (x) | 35.0199% | 1,387 |
| Efficiency ratio | 61.8800% | 3,637 |
| Assets per employee ($millions) | 7.6576% | 720 |
| Cash dividends to net income (ytd only)* | 30.8237% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4423% | 5,324 |
| Loan loss allowance to noncurrent loans | 90.1111% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 3,075 |
| Noncurrent loans to loans | 0.4909% | 2,959 |
| Net loans and leases to total assets | 71.2735% | 2,395 |
| Net loans and leases to deposits | 94.7239% | 1,280 |
| Net loans and leases to core deposits | 99.0082% | 1,816 |
| Total domestic deposits to total assets | 75.2434% | 4,932 |
| Equity capital to assets | 16.3088% | 463 |
| Core capital (leverage) ratio | 10.5722% | 2,956 |
| Tier 1 risk-based capital ratio | 12.3263% | 4,291 |
| Total risk-based capital ratio | 12.7219% | 4,701 |
| Memoranda: | ||
| Average total assets | $11,814,063,330 | 117 |
| Average earning assets | $10,395,056,670 | 120 |
| Average equity | $1,819,880,670 | 104 |
| Average total loans | $8,782,037,670 | 113 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 665 |
| Cost of funding earning assets | 0.6976% | 1,461 |
| Net interest margin | 4.3285% | 904 |
| Noninterest income to average assets | 0.7518% | 1,617 |
| Noninterest expense to average assets | 3.4842% | 1,029 |
| Loan and lease loss provision to assets | 0.1249% | 1,507 |
| Net operating income to assets | 0.8314% | 3,589 |
| Return on assets (ROA) | 0.8378% | 3,580 |
| Pretax return on assets | 0.9827% | 3,593 |
| Return on Equity (ROE) | 5.6313% | 4,270 |
| Retained earnings to average equity (ytd only) | 2.5120% | 4,162 |
| Net charge-offs to loans | 0.0507% | 1,591 |
| Credit loss provision to net charge-offs | 324.3744% | 777 |
| Earnings coverage of net charge-offs (x) | 28.5589% | 1,271 |
| Efficiency ratio | 73.5256% | 1,962 |
| Assets per employee ($millions) | 7.1919% | 888 |
| Cash dividends to net income (ytd only)* | 55.3922% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4132% | 5,418 |
| Loan loss allowance to noncurrent loans | 95.0497% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,221 |
| Noncurrent loans to loans | 0.4347% | 3,227 |
| Net loans and leases to total assets | 74.6518% | 1,761 |
| Net loans and leases to deposits | 100.9999% | 638 |
| Net loans and leases to core deposits | 106.0202% | 1,236 |
| Total domestic deposits to total assets | 73.9127% | 5,165 |
| Equity capital to assets | 15.8595% | 508 |
| Core capital (leverage) ratio | 10.4265% | 3,031 |
| Tier 1 risk-based capital ratio | 11.3989% | 4,921 |
| Total risk-based capital ratio | 11.7752% | 5,252 |
| Memoranda: | ||
| Average total assets | $11,204,519,000 | 120 |
| Average earning assets | $9,920,613,500 | 122 |
| Average equity | $1,667,046,000 | 107 |
| Average total loans | $8,507,832,000 | 114 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 2,870 |
| Cost of funding earning assets | 0.4856% | 2,452 |
| Net interest margin | 3.6670% | 2,928 |
| Noninterest income to average assets | 0.8166% | 1,511 |
| Noninterest expense to average assets | 2.5990% | 3,447 |
| Loan and lease loss provision to assets | 0.1251% | 1,828 |
| Net operating income to assets | 0.9092% | 2,659 |
| Return on assets (ROA) | 0.9151% | 2,654 |
| Pretax return on assets | 1.3960% | 2,006 |
| Return on Equity (ROE) | 6.5597% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.8588% | 2,897 |
| Net charge-offs to loans | 0.1486% | 1,606 |
| Credit loss provision to net charge-offs | 110.1044% | 2,366 |
| Earnings coverage of net charge-offs (x) | 13.3091% | 2,407 |
| Efficiency ratio | 61.5472% | 4,009 |
| Assets per employee ($millions) | 6.5476% | 1,186 |
| Cash dividends to net income (ytd only)* | 41.1749% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5320% | 5,355 |
| Loan loss allowance to noncurrent loans | 140.2952% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 3,403 |
| Noncurrent loans to loans | 0.3792% | 3,399 |
| Net loans and leases to total assets | 76.8914% | 1,446 |
| Net loans and leases to deposits | 102.1093% | 599 |
| Net loans and leases to core deposits | 105.6611% | 1,283 |
| Total domestic deposits to total assets | 75.3030% | 5,056 |
| Equity capital to assets | 13.4930% | 1,066 |
| Core capital (leverage) ratio | 10.8239% | 2,507 |
| Tier 1 risk-based capital ratio | 11.6610% | 4,745 |
| Total risk-based capital ratio | 12.1362% | 5,103 |
| Memoranda: | ||
| Average total assets | $8,850,621,600 | 141 |
| Average earning assets | $7,951,344,200 | 141 |
| Average equity | $1,234,748,200 | 129 |
| Average total loans | $6,768,406,600 | 130 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,885 |
| Cost of funding earning assets | 0.4651% | 2,571 |
| Net interest margin | 3.6624% | 2,909 |
| Noninterest income to average assets | 0.8341% | 1,461 |
| Noninterest expense to average assets | 2.6111% | 3,380 |
| Loan and lease loss provision to assets | 0.1123% | 1,910 |
| Net operating income to assets | 1.0067% | 2,521 |
| Return on assets (ROA) | 1.0153% | 2,533 |
| Pretax return on assets | 1.4078% | 2,095 |
| Return on Equity (ROE) | 7.2145% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.8623% | 2,978 |
| Net charge-offs to loans | 0.1478% | 1,359 |
| Credit loss provision to net charge-offs | 99.5940% | 2,322 |
| Earnings coverage of net charge-offs (x) | 13.3786% | 2,351 |
| Efficiency ratio | 61.6615% | 3,929 |
| Assets per employee ($millions) | 6.3159% | 1,299 |
| Cash dividends to net income (ytd only)* | 32.6036% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 5,420 |
| Loan loss allowance to noncurrent loans | 134.7328% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 3,420 |
| Noncurrent loans to loans | 0.3980% | 3,527 |
| Net loans and leases to total assets | 76.4745% | 1,503 |
| Net loans and leases to deposits | 100.0357% | 741 |
| Net loans and leases to core deposits | 103.6161% | 1,417 |
| Total domestic deposits to total assets | 76.4472% | 4,964 |
| Equity capital to assets | 13.9030% | 1,022 |
| Core capital (leverage) ratio | 10.9551% | 2,501 |
| Tier 1 risk-based capital ratio | 12.1574% | 4,515 |
| Total risk-based capital ratio | 12.6437% | 4,906 |
| Memoranda: | ||
| Average total assets | $8,740,518,750 | 145 |
| Average earning assets | $7,840,216,250 | 145 |
| Average equity | $1,230,025,500 | 131 |
| Average total loans | $6,664,954,750 | 132 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 2,906 |
| Cost of funding earning assets | 0.4262% | 2,836 |
| Net interest margin | 3.6497% | 2,841 |
| Noninterest income to average assets | 0.8577% | 1,396 |
| Noninterest expense to average assets | 2.6532% | 3,254 |
| Loan and lease loss provision to assets | 0.0997% | 2,022 |
| Net operating income to assets | 0.9900% | 2,470 |
| Return on assets (ROA) | 1.0000% | 2,466 |
| Pretax return on assets | 1.3870% | 2,068 |
| Return on Equity (ROE) | 7.0764% | 3,517 |
| Retained earnings to average equity (ytd only) | 4.8348% | 2,822 |
| Net charge-offs to loans | 0.1000% | 1,622 |
| Credit loss provision to net charge-offs | 131.0827% | 1,673 |
| Earnings coverage of net charge-offs (x) | 19.3729% | 1,838 |
| Efficiency ratio | 62.5218% | 3,901 |
| Assets per employee ($millions) | 6.2141% | 1,312 |
| Cash dividends to net income (ytd only)* | 31.6770% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 5,442 |
| Loan loss allowance to noncurrent loans | 127.5714% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 3,338 |
| Noncurrent loans to loans | 0.4397% | 3,437 |
| Net loans and leases to total assets | 76.1291% | 1,529 |
| Net loans and leases to deposits | 100.0568% | 732 |
| Net loans and leases to core deposits | 103.3063% | 1,411 |
| Total domestic deposits to total assets | 76.0859% | 5,083 |
| Equity capital to assets | 13.9397% | 984 |
| Core capital (leverage) ratio | 11.0589% | 2,352 |
| Tier 1 risk-based capital ratio | 12.1669% | 4,513 |
| Total risk-based capital ratio | 12.6758% | 4,905 |
| Memoranda: | ||
| Average total assets | $8,649,771,670 | 145 |
| Average earning assets | $7,745,948,000 | 145 |
| Average equity | $1,222,352,000 | 130 |
| Average total loans | $6,576,731,330 | 130 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 2,962 |
| Cost of funding earning assets | 0.3738% | 3,265 |
| Net interest margin | 3.6453% | 2,714 |
| Noninterest income to average assets | 0.8794% | 1,309 |
| Noninterest expense to average assets | 2.6808% | 3,209 |
| Loan and lease loss provision to assets | 0.0943% | 1,967 |
| Net operating income to assets | 0.9906% | 2,348 |
| Return on assets (ROA) | 1.0071% | 2,325 |
| Pretax return on assets | 1.3881% | 1,927 |
| Return on Equity (ROE) | 7.0762% | 3,372 |
| Retained earnings to average equity (ytd only) | 5.4278% | 2,647 |
| Net charge-offs to loans | 0.0488% | 1,876 |
| Credit loss provision to net charge-offs | 255.0761% | 872 |
| Earnings coverage of net charge-offs (x) | 39.4860% | 1,048 |
| Efficiency ratio | 62.8881% | 4,007 |
| Assets per employee ($millions) | 5.9397% | 1,553 |
| Cash dividends to net income (ytd only)* | 23.2948% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 5,507 |
| Loan loss allowance to noncurrent loans | 141.3007% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 3,481 |
| Noncurrent loans to loans | 0.4135% | 3,606 |
| Net loans and leases to total assets | 75.5718% | 1,483 |
| Net loans and leases to deposits | 98.6902% | 709 |
| Net loans and leases to core deposits | 101.7283% | 1,385 |
| Total domestic deposits to total assets | 76.5748% | 5,166 |
| Equity capital to assets | 14.1430% | 866 |
| Core capital (leverage) ratio | 11.2627% | 2,131 |
| Tier 1 risk-based capital ratio | 12.4026% | 4,447 |
| Total risk-based capital ratio | 12.9338% | 4,820 |
| Memoranda: | ||
| Average total assets | $8,525,367,500 | 145 |
| Average earning assets | $7,627,450,000 | 147 |
| Average equity | $1,213,310,000 | 129 |
| Average total loans | $6,458,784,500 | 133 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,760 |
| Cost of funding earning assets | 0.3427% | 3,606 |
| Net interest margin | 3.7800% | 2,392 |
| Noninterest income to average assets | 0.9015% | 1,407 |
| Noninterest expense to average assets | 2.7477% | 3,201 |
| Loan and lease loss provision to assets | 0.1078% | 2,249 |
| Net operating income to assets | 1.0351% | 2,209 |
| Return on assets (ROA) | 1.0369% | 2,297 |
| Pretax return on assets | 1.4144% | 1,883 |
| Return on Equity (ROE) | 7.6291% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.9249% | 3,823 |
| Net charge-offs to loans | 0.0920% | 2,389 |
| Credit loss provision to net charge-offs | 156.8716% | 1,755 |
| Earnings coverage of net charge-offs (x) | 22.1080% | 1,747 |
| Efficiency ratio | 62.2889% | 4,204 |
| Assets per employee ($millions) | 5.9340% | 1,527 |
| Cash dividends to net income (ytd only)* | 61.6612% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 5,554 |
| Loan loss allowance to noncurrent loans | 250.8059% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 4,089 |
| Noncurrent loans to loans | 0.2338% | 4,315 |
| Net loans and leases to total assets | 75.0531% | 1,685 |
| Net loans and leases to deposits | 98.7479% | 761 |
| Net loans and leases to core deposits | 101.7195% | 1,463 |
| Total domestic deposits to total assets | 76.0047% | 5,236 |
| Equity capital to assets | 14.3231% | 789 |
| Core capital (leverage) ratio | 11.3060% | 2,079 |
| Tier 1 risk-based capital ratio | 12.5818% | 4,340 |
| Total risk-based capital ratio | 13.1108% | 4,714 |
| Memoranda: | ||
| Average total assets | $8,045,043,200 | 148 |
| Average earning assets | $7,163,655,800 | 147 |
| Average equity | $1,093,476,200 | 136 |
| Average total loans | $6,011,944,000 | 135 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 2,832 |
| Cost of funding earning assets | 0.3392% | 3,663 |
| Net interest margin | 3.7724% | 2,442 |
| Noninterest income to average assets | 0.9068% | 1,385 |
| Noninterest expense to average assets | 2.7640% | 3,127 |
| Loan and lease loss provision to assets | 0.1207% | 1,923 |
| Net operating income to assets | 1.0208% | 2,326 |
| Return on assets (ROA) | 1.0226% | 2,456 |
| Pretax return on assets | 1.3811% | 2,120 |
| Return on Equity (ROE) | 7.6321% | 3,227 |
| Retained earnings to average equity (ytd only) | 2.3926% | 4,485 |
| Net charge-offs to loans | 0.1058% | 1,884 |
| Credit loss provision to net charge-offs | 153.0174% | 1,744 |
| Earnings coverage of net charge-offs (x) | 19.0104% | 1,963 |
| Efficiency ratio | 62.6827% | 4,112 |
| Assets per employee ($millions) | 5.9254% | 1,493 |
| Cash dividends to net income (ytd only)* | 68.6502% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 5,624 |
| Loan loss allowance to noncurrent loans | 200.4278% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 4,005 |
| Noncurrent loans to loans | 0.2939% | 4,204 |
| Net loans and leases to total assets | 74.8112% | 1,736 |
| Net loans and leases to deposits | 98.4181% | 817 |
| Net loans and leases to core deposits | 101.5261% | 1,515 |
| Total domestic deposits to total assets | 76.0136% | 5,235 |
| Equity capital to assets | 13.0984% | 1,446 |
| Core capital (leverage) ratio | 9.7702% | 3,846 |
| Tier 1 risk-based capital ratio | 10.9276% | 5,404 |
| Total risk-based capital ratio | 11.4578% | 5,672 |
| Memoranda: | ||
| Average total assets | $7,955,672,250 | 146 |
| Average earning assets | $7,078,660,250 | 147 |
| Average equity | $1,065,968,750 | 137 |
| Average total loans | $5,929,043,250 | 134 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 2,792 |
| Cost of funding earning assets | 0.3370% | 3,730 |
| Net interest margin | 3.7800% | 2,399 |
| Noninterest income to average assets | 0.8780% | 1,442 |
| Noninterest expense to average assets | 2.7508% | 3,194 |
| Loan and lease loss provision to assets | 0.1222% | 1,867 |
| Net operating income to assets | 0.9966% | 2,410 |
| Return on assets (ROA) | 0.9993% | 2,535 |
| Pretax return on assets | 1.3670% | 2,140 |
| Return on Equity (ROE) | 7.4002% | 3,316 |
| Retained earnings to average equity (ytd only) | 1.5873% | 4,744 |
| Net charge-offs to loans | 0.1294% | 1,558 |
| Credit loss provision to net charge-offs | 127.1909% | 1,786 |
| Earnings coverage of net charge-offs (x) | 15.4575% | 1,990 |
| Efficiency ratio | 62.7559% | 4,219 |
| Assets per employee ($millions) | 5.6848% | 1,632 |
| Cash dividends to net income (ytd only)* | 78.5507% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 5,703 |
| Loan loss allowance to noncurrent loans | 193.3091% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,935 |
| Noncurrent loans to loans | 0.3031% | 4,283 |
| Net loans and leases to total assets | 73.5654% | 1,921 |
| Net loans and leases to deposits | 97.5303% | 925 |
| Net loans and leases to core deposits | 100.7653% | 1,578 |
| Total domestic deposits to total assets | 75.4283% | 5,361 |
| Equity capital to assets | 13.1980% | 1,388 |
| Core capital (leverage) ratio | 9.8860% | 3,703 |
| Tier 1 risk-based capital ratio | 11.1257% | 5,347 |
| Total risk-based capital ratio | 11.6504% | 5,636 |
| Memoranda: | ||
| Average total assets | $7,860,172,000 | 149 |
| Average earning assets | $6,983,180,670 | 148 |
| Average equity | $1,061,426,330 | 137 |
| Average total loans | $5,837,855,330 | 136 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,784 |
| Cost of funding earning assets | 0.3434% | 3,675 |
| Net interest margin | 3.7746% | 2,388 |
| Noninterest income to average assets | 0.8355% | 1,493 |
| Noninterest expense to average assets | 2.7659% | 3,198 |
| Loan and lease loss provision to assets | 0.1293% | 1,641 |
| Net operating income to assets | 0.9490% | 2,514 |
| Return on assets (ROA) | 0.9544% | 2,611 |
| Pretax return on assets | 1.3021% | 2,293 |
| Return on Equity (ROE) | 6.9847% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.9793% | 4,847 |
| Net charge-offs to loans | 0.1493% | 1,217 |
| Credit loss provision to net charge-offs | 116.3569% | 1,466 |
| Earnings coverage of net charge-offs (x) | 12.8137% | 1,768 |
| Efficiency ratio | 63.6959% | 4,171 |
| Assets per employee ($millions) | 5.6011% | 1,746 |
| Cash dividends to net income (ytd only)* | 85.9794% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 5,756 |
| Loan loss allowance to noncurrent loans | 154.0484% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 3,726 |
| Noncurrent loans to loans | 0.3842% | 4,066 |
| Net loans and leases to total assets | 73.8972% | 1,743 |
| Net loans and leases to deposits | 97.0661% | 835 |
| Net loans and leases to core deposits | 100.1372% | 1,476 |
| Total domestic deposits to total assets | 76.1308% | 5,397 |
| Equity capital to assets | 13.5508% | 1,163 |
| Core capital (leverage) ratio | 10.1241% | 3,399 |
| Tier 1 risk-based capital ratio | 11.4892% | 5,240 |
| Total risk-based capital ratio | 12.0207% | 5,527 |
| Memoranda: | ||
| Average total assets | $7,745,548,000 | 150 |
| Average earning assets | $6,883,397,500 | 149 |
| Average equity | $1,058,320,500 | 136 |
| Average total loans | $5,763,739,000 | 136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 2,634 |
| Cost of funding earning assets | 0.3124% | 4,104 |
| Net interest margin | 3.8649% | 2,146 |
| Noninterest income to average assets | 0.8254% | 1,692 |
| Noninterest expense to average assets | 2.8454% | 3,055 |
| Loan and lease loss provision to assets | 0.1239% | 1,940 |
| Net operating income to assets | 0.9425% | 2,649 |
| Return on assets (ROA) | 0.9538% | 2,675 |
| Pretax return on assets | 1.2994% | 2,284 |
| Return on Equity (ROE) | 6.7678% | 3,637 |
| Retained earnings to average equity (ytd only) | 1.9724% | 4,601 |
| Net charge-offs to loans | 0.1372% | 1,985 |
| Credit loss provision to net charge-offs | 121.8586% | 2,118 |
| Earnings coverage of net charge-offs (x) | 13.8474% | 2,342 |
| Efficiency ratio | 64.2475% | 4,208 |
| Assets per employee ($millions) | 5.5274% | 1,773 |
| Cash dividends to net income (ytd only)* | 70.8563% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 5,802 |
| Loan loss allowance to noncurrent loans | 154.4922% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 3,685 |
| Noncurrent loans to loans | 0.3856% | 4,071 |
| Net loans and leases to total assets | 74.0477% | 1,722 |
| Net loans and leases to deposits | 95.0953% | 1,104 |
| Net loans and leases to core deposits | 98.1334% | 1,662 |
| Total domestic deposits to total assets | 77.8668% | 5,194 |
| Equity capital to assets | 13.7786% | 1,012 |
| Core capital (leverage) ratio | 10.3099% | 3,148 |
| Tier 1 risk-based capital ratio | 11.5214% | 5,244 |
| Total risk-based capital ratio | 12.0476% | 5,539 |
| Memoranda: | ||
| Average total assets | $7,483,457,000 | 143 |
| Average earning assets | $6,637,254,000 | 142 |
| Average equity | $1,054,617,600 | 130 |
| Average total loans | $5,545,777,600 | 132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,565 |
| Cost of funding earning assets | 0.3044% | 4,285 |
| Net interest margin | 3.8983% | 2,037 |
| Noninterest income to average assets | 0.8210% | 1,725 |
| Noninterest expense to average assets | 2.8548% | 2,991 |
| Loan and lease loss provision to assets | 0.1302% | 1,732 |
| Net operating income to assets | 0.9370% | 2,768 |
| Return on assets (ROA) | 0.9419% | 2,854 |
| Pretax return on assets | 1.2990% | 2,405 |
| Return on Equity (ROE) | 6.6453% | 3,811 |
| Retained earnings to average equity (ytd only) | 2.6342% | 4,534 |
| Net charge-offs to loans | 0.1545% | 1,598 |
| Credit loss provision to net charge-offs | 113.8802% | 2,069 |
| Earnings coverage of net charge-offs (x) | 12.4432% | 2,405 |
| Efficiency ratio | 64.0457% | 4,239 |
| Assets per employee ($millions) | 5.4709% | 1,810 |
| Cash dividends to net income (ytd only)* | 60.3594% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 5,905 |
| Loan loss allowance to noncurrent loans | 139.2649% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 3,448 |
| Noncurrent loans to loans | 0.4253% | 4,077 |
| Net loans and leases to total assets | 73.7427% | 1,781 |
| Net loans and leases to deposits | 95.8083% | 1,028 |
| Net loans and leases to core deposits | 98.9939% | 1,606 |
| Total domestic deposits to total assets | 76.9690% | 5,342 |
| Equity capital to assets | 13.9934% | 1,025 |
| Core capital (leverage) ratio | 10.4570% | 3,089 |
| Tier 1 risk-based capital ratio | 11.7549% | 5,234 |
| Total risk-based capital ratio | 12.2812% | 5,544 |
| Memoranda: | ||
| Average total assets | $7,436,320,000 | 144 |
| Average earning assets | $6,593,076,750 | 145 |
| Average equity | $1,053,998,500 | 132 |
| Average total loans | $5,503,474,000 | 133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 2,517 |
| Cost of funding earning assets | 0.2919% | 4,484 |
| Net interest margin | 3.9166% | 1,923 |
| Noninterest income to average assets | 0.7965% | 1,796 |
| Noninterest expense to average assets | 2.8916% | 2,926 |
| Loan and lease loss provision to assets | 0.1434% | 1,521 |
| Net operating income to assets | 0.8893% | 2,943 |
| Return on assets (ROA) | 0.9009% | 2,992 |
| Pretax return on assets | 1.2452% | 2,571 |
| Return on Equity (ROE) | 6.3289% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.0889% | 4,079 |
| Net charge-offs to loans | 0.1955% | 1,283 |
| Credit loss provision to net charge-offs | 99.1951% | 2,087 |
| Earnings coverage of net charge-offs (x) | 9.4946% | 2,446 |
| Efficiency ratio | 65.0464% | 4,183 |
| Assets per employee ($millions) | 5.3025% | 1,920 |
| Cash dividends to net income (ytd only)* | 51.1939% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 5,999 |
| Loan loss allowance to noncurrent loans | 117.0908% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 3,403 |
| Noncurrent loans to loans | 0.4971% | 3,976 |
| Net loans and leases to total assets | 73.8973% | 1,679 |
| Net loans and leases to deposits | 95.3439% | 1,016 |
| Net loans and leases to core deposits | 98.7023% | 1,591 |
| Total domestic deposits to total assets | 77.5060% | 5,375 |
| Equity capital to assets | 14.1270% | 947 |
| Core capital (leverage) ratio | 10.5240% | 2,924 |
| Tier 1 risk-based capital ratio | 12.0196% | 5,134 |
| Total risk-based capital ratio | 12.5414% | 5,506 |
| Memoranda: | ||
| Average total assets | $7,391,199,330 | 146 |
| Average earning assets | $6,543,850,330 | 146 |
| Average equity | $1,052,152,000 | 134 |
| Average total loans | $5,465,687,330 | 136 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,570 |
| Cost of funding earning assets | 0.2817% | 4,648 |
| Net interest margin | 3.8871% | 1,939 |
| Noninterest income to average assets | 0.7828% | 1,773 |
| Noninterest expense to average assets | 2.8718% | 2,999 |
| Loan and lease loss provision to assets | 0.0953% | 2,094 |
| Net operating income to assets | 0.9097% | 2,699 |
| Return on assets (ROA) | 0.9174% | 2,783 |
| Pretax return on assets | 1.2637% | 2,408 |
| Return on Equity (ROE) | 6.4195% | 3,820 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,629 |
| Net charge-offs to loans | 0.2330% | 1,020 |
| Credit loss provision to net charge-offs | 55.4324% | 2,053 |
| Earnings coverage of net charge-offs (x) | 7.8467% | 2,133 |
| Efficiency ratio | 65.1830% | 4,289 |
| Assets per employee ($millions) | 5.2152% | 2,090 |
| Cash dividends to net income (ytd only)* | 38.5688% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5692% | 6,096 |
| Loan loss allowance to noncurrent loans | 91.6371% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 3,099 |
| Noncurrent loans to loans | 0.6211% | 3,714 |
| Net loans and leases to total assets | 73.4879% | 1,568 |
| Net loans and leases to deposits | 95.2560% | 886 |
| Net loans and leases to core deposits | 98.1074% | 1,464 |
| Total domestic deposits to total assets | 77.1478% | 5,592 |
| Equity capital to assets | 14.3412% | 877 |
| Core capital (leverage) ratio | 10.5084% | 2,950 |
| Tier 1 risk-based capital ratio | 11.9958% | 5,240 |
| Total risk-based capital ratio | 12.4998% | 5,603 |
| Memoranda: | ||
| Average total assets | $7,348,507,000 | 145 |
| Average earning assets | $6,498,441,500 | 143 |
| Average equity | $1,050,120,500 | 131 |
| Average total loans | $5,419,863,500 | 136 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 2,647 |
| Cost of funding earning assets | 0.2484% | 5,339 |
| Net interest margin | 4.0411% | 1,771 |
| Noninterest income to average assets | 0.8097% | 1,832 |
| Noninterest expense to average assets | 3.2010% | 2,214 |
| Loan and lease loss provision to assets | 0.1074% | 2,363 |
| Net operating income to assets | 0.7983% | 3,382 |
| Return on assets (ROA) | 0.8156% | 3,385 |
| Pretax return on assets | 1.0973% | 3,093 |
| Return on Equity (ROE) | 5.8187% | 4,245 |
| Retained earnings to average equity (ytd only) | -1.5396% | 5,969 |
| Net charge-offs to loans | 0.1042% | 3,022 |
| Credit loss provision to net charge-offs | 140.5152% | 1,687 |
| Earnings coverage of net charge-offs (x) | 15.4630% | 2,076 |
| Efficiency ratio | 69.9672% | 3,530 |
| Assets per employee ($millions) | 5.1031% | 2,189 |
| Cash dividends to net income (ytd only)* | 126.4589% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 6,143 |
| Loan loss allowance to noncurrent loans | 79.9526% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 2,874 |
| Noncurrent loans to loans | 0.7505% | 3,449 |
| Net loans and leases to total assets | 73.1584% | 1,729 |
| Net loans and leases to deposits | 94.9683% | 999 |
| Net loans and leases to core deposits | 98.0816% | 1,545 |
| Total domestic deposits to total assets | 77.0345% | 5,599 |
| Equity capital to assets | 14.2391% | 892 |
| Core capital (leverage) ratio | 10.2972% | 3,176 |
| Tier 1 risk-based capital ratio | 12.3725% | 5,109 |
| Total risk-based capital ratio | 12.9972% | 5,430 |
| Memoranda: | ||
| Average total assets | $7,265,940,800 | 141 |
| Average earning assets | $6,423,664,000 | 140 |
| Average equity | $1,018,402,200 | 132 |
| Average total loans | $5,327,715,200 | 133 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,614 |
| Cost of funding earning assets | 0.2402% | 5,511 |
| Net interest margin | 4.0643% | 1,680 |
| Noninterest income to average assets | 0.8033% | 1,884 |
| Noninterest expense to average assets | 3.3037% | 1,891 |
| Loan and lease loss provision to assets | 0.0607% | 3,149 |
| Net operating income to assets | 0.7773% | 3,526 |
| Return on assets (ROA) | 0.7973% | 3,540 |
| Pretax return on assets | 1.0587% | 3,346 |
| Return on Equity (ROE) | 5.7115% | 4,386 |
| Retained earnings to average equity (ytd only) | -3.1393% | 6,156 |
| Net charge-offs to loans | 0.0333% | 3,820 |
| Credit loss provision to net charge-offs | 248.8688% | 1,060 |
| Earnings coverage of net charge-offs (x) | 44.8053% | 1,048 |
| Efficiency ratio | 72.0235% | 3,171 |
| Assets per employee ($millions) | 4.9443% | 2,309 |
| Cash dividends to net income (ytd only)* | 154.9642% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 6,203 |
| Loan loss allowance to noncurrent loans | 49.0881% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 2,145 |
| Noncurrent loans to loans | 1.2553% | 2,544 |
| Net loans and leases to total assets | 72.2821% | 1,799 |
| Net loans and leases to deposits | 91.7356% | 1,253 |
| Net loans and leases to core deposits | 94.6845% | 1,785 |
| Total domestic deposits to total assets | 78.7939% | 5,372 |
| Equity capital to assets | 14.4708% | 857 |
| Core capital (leverage) ratio | 10.1126% | 3,514 |
| Tier 1 risk-based capital ratio | 12.5264% | 5,154 |
| Total risk-based capital ratio | 13.1686% | 5,464 |
| Memoranda: | ||
| Average total assets | $7,249,154,750 | 141 |
| Average earning assets | $6,408,874,000 | 140 |
| Average equity | $1,011,962,250 | 133 |
| Average total loans | $5,310,355,750 | 131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 2,751 |
| Cost of funding earning assets | 0.2272% | 5,683 |
| Net interest margin | 4.0301% | 1,724 |
| Noninterest income to average assets | 0.7883% | 1,887 |
| Noninterest expense to average assets | 3.3228% | 1,863 |
| Loan and lease loss provision to assets | 0.0412% | 3,491 |
| Net operating income to assets | 0.7486% | 3,576 |
| Return on assets (ROA) | 0.7580% | 3,630 |
| Pretax return on assets | 1.0058% | 3,454 |
| Return on Equity (ROE) | 5.4960% | 4,430 |
| Retained earnings to average equity (ytd only) | -4.1893% | 6,188 |
| Net charge-offs to loans | 0.0096% | 4,080 |
| Credit loss provision to net charge-offs | 585.9375% | 518 |
| Earnings coverage of net charge-offs (x) | 147.0391% | 417 |
| Efficiency ratio | 73.0599% | 3,146 |
| Assets per employee ($millions) | 4.9264% | 2,305 |
| Cash dividends to net income (ytd only)* | 176.2236% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 6,323 |
| Loan loss allowance to noncurrent loans | 51.2059% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 2,384 |
| Noncurrent loans to loans | 1.1552% | 2,917 |
| Net loans and leases to total assets | 72.4747% | 1,652 |
| Net loans and leases to deposits | 91.8130% | 1,169 |
| Net loans and leases to core deposits | 94.8905% | 1,696 |
| Total domestic deposits to total assets | 78.9373% | 5,471 |
| Equity capital to assets | 14.2795% | 871 |
| Core capital (leverage) ratio | 11.5164% | 1,988 |
| Tier 1 risk-based capital ratio | 12.4434% | 5,269 |
| Total risk-based capital ratio | 13.0761% | 5,562 |
| Memoranda: | ||
| Average total assets | $7,277,448,330 | 139 |
| Average earning assets | $6,444,707,000 | 140 |
| Average equity | $1,003,706,000 | 133 |
| Average total loans | $5,343,608,670 | 131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,866 |
| Cost of funding earning assets | 0.4055% | 3,899 |
| Net interest margin | 4.0764% | 1,529 |
| Noninterest income to average assets | 0.7467% | 1,963 |
| Noninterest expense to average assets | 4.0350% | 724 |
| Loan and lease loss provision to assets | -0.0478% | 6,450 |
| Net operating income to assets | 0.3977% | 5,126 |
| Return on assets (ROA) | 0.3979% | 5,197 |
| Pretax return on assets | 0.4445% | 5,323 |
| Return on Equity (ROE) | 3.5262% | 5,255 |
| Retained earnings to average equity (ytd only) | -13.8252% | 6,449 |
| Net charge-offs to loans | -0.0897% | 6,081 |
| Credit loss provision to net charge-offs | 71.8391% | 1,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3142% | 1,093 |
| Assets per employee ($millions) | 4.1373% | 3,647 |
| Cash dividends to net income (ytd only)* | 492.0654% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 5,613 |
| Loan loss allowance to noncurrent loans | 140.5775% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 2,724 |
| Noncurrent loans to loans | 0.6944% | 4,133 |
| Net loans and leases to total assets | 73.1302% | 1,409 |
| Net loans and leases to deposits | 94.5050% | 745 |
| Net loans and leases to core deposits | 98.9903% | 1,177 |
| Total domestic deposits to total assets | 77.3824% | 5,917 |
| Equity capital to assets | 11.0828% | 2,645 |
| Core capital (leverage) ratio | 9.5165% | 4,252 |
| Tier 1 risk-based capital ratio | 11.8105% | 5,755 |
| Total risk-based capital ratio | 12.9482% | 5,758 |
| Memoranda: | ||
| Average total assets | $4,181,309,000 | 207 |
| Average earning assets | $3,779,653,000 | 206 |
| Average equity | $471,776,500 | 210 |
| Average total loans | $3,104,328,000 | 190 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 1,611 |
| Cost of funding earning assets | 0.4889% | 3,722 |
| Net interest margin | 4.1968% | 1,361 |
| Noninterest income to average assets | 0.8979% | 1,684 |
| Noninterest expense to average assets | 3.2621% | 2,242 |
| Loan and lease loss provision to assets | 0.1488% | 2,417 |
| Net operating income to assets | 0.9463% | 2,584 |
| Return on assets (ROA) | 0.9467% | 2,650 |
| Pretax return on assets | 1.2890% | 2,204 |
| Return on Equity (ROE) | 8.0517% | 3,015 |
| Retained earnings to average equity (ytd only) | 1.6029% | 5,075 |
| Net charge-offs to loans | 0.3486% | 1,941 |
| Credit loss provision to net charge-offs | 55.8826% | 3,676 |
| Earnings coverage of net charge-offs (x) | 5.3964% | 3,311 |
| Efficiency ratio | 67.4121% | 4,303 |
| Assets per employee ($millions) | 4.1344% | 3,562 |
| Cash dividends to net income (ytd only)* | 80.0924% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 5,693 |
| Loan loss allowance to noncurrent loans | 136.7659% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 2,723 |
| Noncurrent loans to loans | 0.7105% | 4,190 |
| Net loans and leases to total assets | 73.9145% | 1,363 |
| Net loans and leases to deposits | 94.5865% | 831 |
| Net loans and leases to core deposits | 100.2173% | 1,142 |
| Total domestic deposits to total assets | 78.1449% | 5,808 |
| Equity capital to assets | 11.4858% | 2,178 |
| Core capital (leverage) ratio | 10.1892% | 3,308 |
| Tier 1 risk-based capital ratio | 12.4311% | 5,330 |
| Total risk-based capital ratio | 13.5599% | 5,350 |
| Memoranda: | ||
| Average total assets | $4,068,871,000 | 203 |
| Average earning assets | $3,685,541,600 | 202 |
| Average equity | $478,382,600 | 201 |
| Average total loans | $3,108,560,400 | 183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 1,611 |
| Cost of funding earning assets | 0.5065% | 3,710 |
| Net interest margin | 4.1883% | 1,372 |
| Noninterest income to average assets | 0.9454% | 1,620 |
| Noninterest expense to average assets | 3.2431% | 2,222 |
| Loan and lease loss provision to assets | 0.1598% | 2,263 |
| Net operating income to assets | 0.9725% | 2,495 |
| Return on assets (ROA) | 0.9737% | 2,592 |
| Pretax return on assets | 1.3414% | 2,162 |
| Return on Equity (ROE) | 8.2326% | 3,008 |
| Retained earnings to average equity (ytd only) | 2.1465% | 5,028 |
| Net charge-offs to loans | 0.2524% | 2,301 |
| Credit loss provision to net charge-offs | 82.3569% | 2,786 |
| Earnings coverage of net charge-offs (x) | 7.7300% | 2,747 |
| Efficiency ratio | 66.3580% | 4,421 |
| Assets per employee ($millions) | 4.0421% | 3,750 |
| Cash dividends to net income (ytd only)* | 73.9275% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,314 |
| Loan loss allowance to noncurrent loans | 123.6658% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5674% | 2,584 |
| Noncurrent loans to loans | 0.8926% | 4,040 |
| Net loans and leases to total assets | 75.3944% | 1,080 |
| Net loans and leases to deposits | 93.9370% | 833 |
| Net loans and leases to core deposits | 99.4943% | 1,154 |
| Total domestic deposits to total assets | 80.2606% | 5,439 |
| Equity capital to assets | 11.9025% | 1,982 |
| Core capital (leverage) ratio | 10.2645% | 3,295 |
| Tier 1 risk-based capital ratio | 12.6863% | 5,336 |
| Total risk-based capital ratio | 13.9619% | 5,264 |
| Memoranda: | ||
| Average total assets | $4,047,332,250 | 201 |
| Average earning assets | $3,669,538,000 | 199 |
| Average equity | $478,669,250 | 200 |
| Average total loans | $3,110,374,750 | 181 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6837% | 1,617 |
| Cost of funding earning assets | 0.5205% | 3,700 |
| Net interest margin | 4.1633% | 1,366 |
| Noninterest income to average assets | 0.9860% | 1,570 |
| Noninterest expense to average assets | 3.2289% | 2,278 |
| Loan and lease loss provision to assets | 0.1505% | 2,443 |
| Net operating income to assets | 1.0092% | 2,292 |
| Return on assets (ROA) | 1.0107% | 2,414 |
| Pretax return on assets | 1.3909% | 1,966 |
| Return on Equity (ROE) | 8.5639% | 2,812 |
| Retained earnings to average equity (ytd only) | 1.4374% | 5,301 |
| Net charge-offs to loans | 0.2326% | 2,332 |
| Credit loss provision to net charge-offs | 83.9527% | 2,553 |
| Earnings coverage of net charge-offs (x) | 8.5893% | 2,384 |
| Efficiency ratio | 65.6587% | 4,609 |
| Assets per employee ($millions) | 3.9471% | 3,918 |
| Cash dividends to net income (ytd only)* | 83.2154% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,441 |
| Loan loss allowance to noncurrent loans | 102.6705% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6971% | 2,561 |
| Noncurrent loans to loans | 1.0721% | 3,785 |
| Net loans and leases to total assets | 76.3195% | 951 |
| Net loans and leases to deposits | 94.2908% | 788 |
| Net loans and leases to core deposits | 100.4802% | 1,042 |
| Total domestic deposits to total assets | 80.9405% | 5,355 |
| Equity capital to assets | 11.7492% | 2,087 |
| Core capital (leverage) ratio | 10.1188% | 3,336 |
| Tier 1 risk-based capital ratio | 12.6601% | 5,385 |
| Total risk-based capital ratio | 13.9620% | 5,285 |
| Memoranda: | ||
| Average total assets | $4,054,478,670 | 200 |
| Average earning assets | $3,683,307,330 | 196 |
| Average equity | $478,498,670 | 199 |
| Average total loans | $3,124,108,000 | 180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,508 |
| Cost of funding earning assets | 0.5334% | 3,740 |
| Net interest margin | 4.1765% | 1,252 |
| Noninterest income to average assets | 0.9235% | 1,682 |
| Noninterest expense to average assets | 3.2308% | 2,264 |
| Loan and lease loss provision to assets | 0.2019% | 1,839 |
| Net operating income to assets | 0.9491% | 2,443 |
| Return on assets (ROA) | 0.9483% | 2,589 |
| Pretax return on assets | 1.2833% | 2,284 |
| Return on Equity (ROE) | 8.0173% | 2,965 |
| Retained earnings to average equity (ytd only) | -3.2254% | 6,206 |
| Net charge-offs to loans | 0.3264% | 1,661 |
| Credit loss provision to net charge-offs | 80.3606% | 2,150 |
| Earnings coverage of net charge-offs (x) | 5.9149% | 2,307 |
| Efficiency ratio | 66.2588% | 4,621 |
| Assets per employee ($millions) | 3.9970% | 3,953 |
| Cash dividends to net income (ytd only)* | 140.2306% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,578 |
| Loan loss allowance to noncurrent loans | 117.2692% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 2,838 |
| Noncurrent loans to loans | 0.9438% | 4,254 |
| Net loans and leases to total assets | 76.1712% | 817 |
| Net loans and leases to deposits | 92.6684% | 753 |
| Net loans and leases to core deposits | 99.6328% | 969 |
| Total domestic deposits to total assets | 82.1976% | 5,127 |
| Equity capital to assets | 11.8238% | 2,157 |
| Core capital (leverage) ratio | 9.8537% | 3,595 |
| Tier 1 risk-based capital ratio | 12.5738% | 5,534 |
| Total risk-based capital ratio | 13.9951% | 5,355 |
| Memoranda: | ||
| Average total assets | $4,060,826,500 | 204 |
| Average earning assets | $3,688,571,000 | 199 |
| Average equity | $480,310,000 | 203 |
| Average total loans | $3,126,662,000 | 182 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 1,383 |
| Cost of funding earning assets | 0.6937% | 3,543 |
| Net interest margin | 4.3740% | 1,219 |
| Noninterest income to average assets | 0.9803% | 1,593 |
| Noninterest expense to average assets | 3.2904% | 2,368 |
| Loan and lease loss provision to assets | 0.3069% | 2,226 |
| Net operating income to assets | 0.9523% | 2,532 |
| Return on assets (ROA) | 0.9557% | 2,770 |
| Pretax return on assets | 1.3494% | 2,216 |
| Return on Equity (ROE) | 7.9364% | 3,113 |
| Retained earnings to average equity (ytd only) | 3.1442% | 4,024 |
| Net charge-offs to loans | 0.5574% | 2,071 |
| Credit loss provision to net charge-offs | 72.8184% | 4,076 |
| Earnings coverage of net charge-offs (x) | 3.9188% | 3,545 |
| Efficiency ratio | 63.8659% | 4,908 |
| Assets per employee ($millions) | 3.9812% | 3,991 |
| Cash dividends to net income (ytd only)* | 60.3827% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,512 |
| Loan loss allowance to noncurrent loans | 99.2609% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6650% | 2,900 |
| Noncurrent loans to loans | 1.1189% | 3,974 |
| Net loans and leases to total assets | 76.1133% | 898 |
| Net loans and leases to deposits | 94.0911% | 742 |
| Net loans and leases to core deposits | 101.0408% | 959 |
| Total domestic deposits to total assets | 80.8931% | 5,434 |
| Equity capital to assets | 11.8319% | 2,157 |
| Core capital (leverage) ratio | 9.9425% | 3,476 |
| Tier 1 risk-based capital ratio | 12.7042% | 5,323 |
| Total risk-based capital ratio | 14.1400% | 5,126 |
| Memoranda: | ||
| Average total assets | $3,975,617,000 | 207 |
| Average earning assets | $3,600,736,400 | 202 |
| Average equity | $478,758,400 | 200 |
| Average total loans | $3,005,823,200 | 183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 1,400 |
| Cost of funding earning assets | 0.7303% | 3,512 |
| Net interest margin | 4.3830% | 1,243 |
| Noninterest income to average assets | 1.3562% | 811 |
| Noninterest expense to average assets | 3.6952% | 1,368 |
| Loan and lease loss provision to assets | 0.3005% | 2,194 |
| Net operating income to assets | 0.9429% | 2,778 |
| Return on assets (ROA) | 0.9430% | 3,004 |
| Pretax return on assets | 1.3302% | 2,493 |
| Return on Equity (ROE) | 7.7953% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.5306% | 3,017 |
| Net charge-offs to loans | 0.3803% | 2,575 |
| Credit loss provision to net charge-offs | 105.0024% | 2,799 |
| Earnings coverage of net charge-offs (x) | 5.6969% | 2,954 |
| Efficiency ratio | 66.8163% | 4,286 |
| Assets per employee ($millions) | 3.8754% | 4,142 |
| Cash dividends to net income (ytd only)* | 29.0528% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 4,797 |
| Loan loss allowance to noncurrent loans | 96.4042% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 2,801 |
| Noncurrent loans to loans | 1.3524% | 3,764 |
| Net loans and leases to total assets | 75.2904% | 1,079 |
| Net loans and leases to deposits | 94.1782% | 782 |
| Net loans and leases to core deposits | 101.8296% | 995 |
| Total domestic deposits to total assets | 79.9446% | 5,667 |
| Equity capital to assets | 12.2474% | 2,075 |
| Core capital (leverage) ratio | 10.1926% | 3,294 |
| Tier 1 risk-based capital ratio | 13.0151% | 5,236 |
| Total risk-based capital ratio | 14.5768% | 4,973 |
| Memoranda: | ||
| Average total assets | $3,948,344,500 | 210 |
| Average earning assets | $3,575,929,250 | 206 |
| Average equity | $477,623,250 | 203 |
| Average total loans | $2,971,299,000 | 186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 1,375 |
| Cost of funding earning assets | 0.7590% | 3,528 |
| Net interest margin | 4.3916% | 1,224 |
| Noninterest income to average assets | 1.2931% | 846 |
| Noninterest expense to average assets | 3.6685% | 1,433 |
| Loan and lease loss provision to assets | 0.3310% | 1,983 |
| Net operating income to assets | 0.9009% | 2,902 |
| Return on assets (ROA) | 0.9010% | 3,171 |
| Pretax return on assets | 1.2662% | 2,664 |
| Return on Equity (ROE) | 7.4803% | 3,532 |
| Retained earnings to average equity (ytd only) | 4.4732% | 3,624 |
| Net charge-offs to loans | 0.3389% | 2,666 |
| Credit loss provision to net charge-offs | 130.3912% | 2,109 |
| Earnings coverage of net charge-offs (x) | 6.2909% | 2,666 |
| Efficiency ratio | 67.0255% | 4,317 |
| Assets per employee ($millions) | 3.7240% | 4,471 |
| Cash dividends to net income (ytd only)* | 40.2001% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 4,580 |
| Loan loss allowance to noncurrent loans | 82.0701% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.1618% | 2,593 |
| Noncurrent loans to loans | 1.6662% | 3,400 |
| Net loans and leases to total assets | 74.5377% | 1,168 |
| Net loans and leases to deposits | 91.6044% | 992 |
| Net loans and leases to core deposits | 98.6034% | 1,207 |
| Total domestic deposits to total assets | 81.3692% | 5,343 |
| Equity capital to assets | 12.0987% | 2,076 |
| Core capital (leverage) ratio | 10.0639% | 3,336 |
| Tier 1 risk-based capital ratio | 12.5111% | 5,558 |
| Total risk-based capital ratio | 14.0690% | 5,297 |
| Memoranda: | ||
| Average total assets | $3,927,434,000 | 211 |
| Average earning assets | $3,552,450,670 | 204 |
| Average equity | $473,080,000 | 203 |
| Average total loans | $2,941,782,000 | 184 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 1,286 |
| Cost of funding earning assets | 0.7813% | 3,618 |
| Net interest margin | 4.4317% | 1,156 |
| Noninterest income to average assets | 1.1731% | 1,039 |
| Noninterest expense to average assets | 3.5810% | 1,604 |
| Loan and lease loss provision to assets | 0.3582% | 1,758 |
| Net operating income to assets | 0.8809% | 3,013 |
| Return on assets (ROA) | 0.8805% | 3,238 |
| Pretax return on assets | 1.2387% | 2,771 |
| Return on Equity (ROE) | 7.3264% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.9721% | 4,769 |
| Net charge-offs to loans | 0.3797% | 2,168 |
| Credit loss provision to net charge-offs | 126.5365% | 1,898 |
| Earnings coverage of net charge-offs (x) | 5.6424% | 2,323 |
| Efficiency ratio | 66.3656% | 4,489 |
| Assets per employee ($millions) | 3.7729% | 4,485 |
| Cash dividends to net income (ytd only)* | 59.4328% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,710 |
| Loan loss allowance to noncurrent loans | 73.5556% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.3506% | 2,535 |
| Noncurrent loans to loans | 1.8688% | 3,318 |
| Net loans and leases to total assets | 73.4422% | 1,145 |
| Net loans and leases to deposits | 89.4817% | 1,011 |
| Net loans and leases to core deposits | 96.3391% | 1,270 |
| Total domestic deposits to total assets | 82.0751% | 5,271 |
| Equity capital to assets | 12.0117% | 2,031 |
| Core capital (leverage) ratio | 9.9436% | 3,436 |
| Tier 1 risk-based capital ratio | 12.4860% | 5,616 |
| Total risk-based capital ratio | 14.1471% | 5,262 |
| Memoranda: | ||
| Average total assets | $3,908,097,500 | 210 |
| Average earning assets | $3,532,108,000 | 201 |
| Average equity | $469,696,000 | 200 |
| Average total loans | $2,914,057,500 | 180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 1,230 |
| Cost of funding earning assets | 0.8947% | 4,166 |
| Net interest margin | 4.5789% | 962 |
| Noninterest income to average assets | 1.0896% | 1,117 |
| Noninterest expense to average assets | 3.6103% | 1,721 |
| Loan and lease loss provision to assets | 0.4380% | 2,403 |
| Net operating income to assets | 0.8436% | 2,860 |
| Return on assets (ROA) | 0.8452% | 3,004 |
| Pretax return on assets | 1.1688% | 2,582 |
| Return on Equity (ROE) | 7.2038% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.3261% | 2,433 |
| Net charge-offs to loans | 0.5425% | 2,841 |
| Credit loss provision to net charge-offs | 106.7616% | 3,176 |
| Earnings coverage of net charge-offs (x) | 3.9112% | 3,340 |
| Efficiency ratio | 65.9701% | 4,778 |
| Assets per employee ($millions) | 3.7901% | 4,343 |
| Cash dividends to net income (ytd only)* | 26.0650% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,635 |
| Loan loss allowance to noncurrent loans | 60.9622% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4947% | 2,436 |
| Noncurrent loans to loans | 2.2300% | 2,923 |
| Net loans and leases to total assets | 73.6494% | 1,334 |
| Net loans and leases to deposits | 90.0143% | 1,157 |
| Net loans and leases to core deposits | 96.8796% | 1,421 |
| Total domestic deposits to total assets | 81.8197% | 5,184 |
| Equity capital to assets | 12.0254% | 2,105 |
| Core capital (leverage) ratio | 9.7769% | 3,639 |
| Tier 1 risk-based capital ratio | 12.3597% | 5,574 |
| Total risk-based capital ratio | 14.0201% | 5,240 |
| Memoranda: | ||
| Average total assets | $3,835,682,000 | 205 |
| Average earning assets | $3,455,701,400 | 203 |
| Average equity | $450,025,600 | 197 |
| Average total loans | $2,900,577,600 | 178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 1,181 |
| Cost of funding earning assets | 0.9179% | 4,288 |
| Net interest margin | 4.6126% | 925 |
| Noninterest income to average assets | 1.0755% | 1,162 |
| Noninterest expense to average assets | 3.5889% | 1,731 |
| Loan and lease loss provision to assets | 0.5023% | 1,971 |
| Net operating income to assets | 0.8241% | 3,047 |
| Return on assets (ROA) | 0.8262% | 3,201 |
| Pretax return on assets | 1.1408% | 2,854 |
| Return on Equity (ROE) | 7.0871% | 3,483 |
| Retained earnings to average equity (ytd only) | 5.2321% | 3,039 |
| Net charge-offs to loans | 0.5295% | 2,644 |
| Credit loss provision to net charge-offs | 125.0434% | 2,565 |
| Earnings coverage of net charge-offs (x) | 4.0832% | 3,188 |
| Efficiency ratio | 65.3159% | 4,842 |
| Assets per employee ($millions) | 3.7781% | 4,347 |
| Cash dividends to net income (ytd only)* | 26.1747% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 4,428 |
| Loan loss allowance to noncurrent loans | 64.3909% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.5384% | 2,534 |
| Noncurrent loans to loans | 2.2187% | 3,086 |
| Net loans and leases to total assets | 73.3510% | 1,442 |
| Net loans and leases to deposits | 89.9733% | 1,215 |
| Net loans and leases to core deposits | 97.0016% | 1,510 |
| Total domestic deposits to total assets | 81.5253% | 5,250 |
| Equity capital to assets | 11.8541% | 2,373 |
| Core capital (leverage) ratio | 9.6679% | 3,890 |
| Tier 1 risk-based capital ratio | 12.0143% | 5,887 |
| Total risk-based capital ratio | 13.6708% | 5,552 |
| Memoranda: | ||
| Average total assets | $3,822,449,750 | 205 |
| Average earning assets | $3,442,110,750 | 202 |
| Average equity | $445,626,750 | 198 |
| Average total loans | $2,899,870,250 | 180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 1,138 |
| Cost of funding earning assets | 0.9427% | 4,374 |
| Net interest margin | 4.6222% | 869 |
| Noninterest income to average assets | 1.0403% | 1,221 |
| Noninterest expense to average assets | 3.6340% | 1,665 |
| Loan and lease loss provision to assets | 0.5681% | 1,705 |
| Net operating income to assets | 0.7338% | 3,370 |
| Return on assets (ROA) | 0.7331% | 3,491 |
| Pretax return on assets | 0.9947% | 3,259 |
| Return on Equity (ROE) | 6.3249% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.6458% | 3,226 |
| Net charge-offs to loans | 0.6596% | 2,194 |
| Credit loss provision to net charge-offs | 112.7937% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.1044% | 3,303 |
| Efficiency ratio | 66.4977% | 4,774 |
| Assets per employee ($millions) | 3.6881% | 4,480 |
| Cash dividends to net income (ytd only)* | 26.5480% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,793 |
| Loan loss allowance to noncurrent loans | 62.5006% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.6262% | 2,536 |
| Noncurrent loans to loans | 2.1715% | 3,255 |
| Net loans and leases to total assets | 75.3853% | 1,174 |
| Net loans and leases to deposits | 92.5188% | 998 |
| Net loans and leases to core deposits | 99.9013% | 1,349 |
| Total domestic deposits to total assets | 81.4811% | 5,357 |
| Equity capital to assets | 11.7750% | 2,266 |
| Core capital (leverage) ratio | 9.5529% | 3,879 |
| Tier 1 risk-based capital ratio | 11.5898% | 6,099 |
| Total risk-based capital ratio | 13.2394% | 5,764 |
| Memoranda: | ||
| Average total assets | $3,801,984,330 | 208 |
| Average earning assets | $3,419,706,000 | 205 |
| Average equity | $440,703,670 | 201 |
| Average total loans | $2,903,117,670 | 182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 1,123 |
| Cost of funding earning assets | 0.9843% | 4,312 |
| Net interest margin | 4.5854% | 886 |
| Noninterest income to average assets | 1.0807% | 1,127 |
| Noninterest expense to average assets | 3.6007% | 1,766 |
| Loan and lease loss provision to assets | 0.6645% | 1,286 |
| Net operating income to assets | 0.6967% | 3,527 |
| Return on assets (ROA) | 0.6955% | 3,598 |
| Pretax return on assets | 0.9373% | 3,375 |
| Return on Equity (ROE) | 6.0481% | 3,878 |
| Retained earnings to average equity (ytd only) | 3.7551% | 3,919 |
| Net charge-offs to loans | 0.5952% | 2,007 |
| Credit loss provision to net charge-offs | 146.2735% | 1,939 |
| Earnings coverage of net charge-offs (x) | 3.5298% | 2,713 |
| Efficiency ratio | 65.6324% | 5,097 |
| Assets per employee ($millions) | 3.7810% | 4,343 |
| Cash dividends to net income (ytd only)* | 37.9133% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,620 |
| Loan loss allowance to noncurrent loans | 54.9743% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.9664% | 2,325 |
| Noncurrent loans to loans | 2.5627% | 2,929 |
| Net loans and leases to total assets | 74.7712% | 1,226 |
| Net loans and leases to deposits | 91.2135% | 1,093 |
| Net loans and leases to core deposits | 98.8946% | 1,438 |
| Total domestic deposits to total assets | 81.9739% | 5,326 |
| Equity capital to assets | 11.6330% | 2,176 |
| Core capital (leverage) ratio | 9.4534% | 3,878 |
| Tier 1 risk-based capital ratio | 11.6253% | 6,004 |
| Total risk-based capital ratio | 13.3781% | 5,567 |
| Memoranda: | ||
| Average total assets | $3,792,553,500 | 208 |
| Average earning assets | $3,410,467,000 | 203 |
| Average equity | $436,103,500 | 202 |
| Average total loans | $2,894,682,000 | 181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 938 |
| Cost of funding earning assets | 1.1928% | 4,606 |
| Net interest margin | 4.7601% | 717 |
| Noninterest income to average assets | 1.2813% | 895 |
| Noninterest expense to average assets | 3.8818% | 1,342 |
| Loan and lease loss provision to assets | 0.7052% | 2,325 |
| Net operating income to assets | 0.7243% | 3,128 |
| Return on assets (ROA) | 0.7255% | 3,250 |
| Pretax return on assets | 0.9960% | 2,943 |
| Return on Equity (ROE) | 6.6453% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.8032% | 2,541 |
| Net charge-offs to loans | 0.6306% | 3,133 |
| Credit loss provision to net charge-offs | 148.1698% | 2,459 |
| Earnings coverage of net charge-offs (x) | 3.5707% | 3,299 |
| Efficiency ratio | 67.7899% | 4,603 |
| Assets per employee ($millions) | 4.9212% | 2,256 |
| Cash dividends to net income (ytd only)* | 27.7213% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,927 |
| Loan loss allowance to noncurrent loans | 38.7103% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 3.5576% | 1,937 |
| Noncurrent loans to loans | 3.3956% | 2,240 |
| Net loans and leases to total assets | 75.7986% | 1,320 |
| Net loans and leases to deposits | 93.0166% | 1,142 |
| Net loans and leases to core deposits | 101.6304% | 1,483 |
| Total domestic deposits to total assets | 81.4893% | 5,360 |
| Equity capital to assets | 11.3657% | 2,361 |
| Core capital (leverage) ratio | 9.1858% | 4,194 |
| Tier 1 risk-based capital ratio | 11.2403% | 6,140 |
| Total risk-based capital ratio | 12.9782% | 5,708 |
| Memoranda: | ||
| Average total assets | $3,455,472,600 | 223 |
| Average earning assets | $3,121,458,400 | 220 |
| Average equity | $377,273,200 | 219 |
| Average total loans | $2,608,139,600 | 199 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1756% | 646 |
| Cost of funding earning assets | 1.2025% | 4,854 |
| Net interest margin | 4.9731% | 464 |
| Noninterest income to average assets | 1.4277% | 667 |
| Noninterest expense to average assets | 4.1594% | 872 |
| Loan and lease loss provision to assets | 0.6692% | 2,286 |
| Net operating income to assets | 0.7750% | 3,114 |
| Return on assets (ROA) | 0.7767% | 3,259 |
| Pretax return on assets | 1.0830% | 2,886 |
| Return on Equity (ROE) | 7.0379% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.9082% | 2,414 |
| Net charge-offs to loans | 0.4646% | 3,429 |
| Credit loss provision to net charge-offs | 187.8632% | 1,919 |
| Earnings coverage of net charge-offs (x) | 4.9122% | 2,899 |
| Efficiency ratio | 68.5735% | 4,356 |
| Assets per employee ($millions) | 5.0417% | 2,124 |
| Cash dividends to net income (ytd only)* | 16.0519% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,957 |
| Loan loss allowance to noncurrent loans | 52.9232% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.6757% | 2,696 |
| Noncurrent loans to loans | 2.4585% | 3,167 |
| Net loans and leases to total assets | 77.0425% | 1,214 |
| Net loans and leases to deposits | 96.4519% | 929 |
| Net loans and leases to core deposits | 105.9400% | 1,329 |
| Total domestic deposits to total assets | 79.8765% | 5,746 |
| Equity capital to assets | 11.6312% | 2,429 |
| Core capital (leverage) ratio | 9.1451% | 4,464 |
| Tier 1 risk-based capital ratio | 10.8143% | 6,532 |
| Total risk-based capital ratio | 12.5917% | 6,056 |
| Memoranda: | ||
| Average total assets | $2,833,968,000 | 253 |
| Average earning assets | $2,553,889,250 | 249 |
| Average equity | $312,757,750 | 245 |
| Average total loans | $2,173,012,750 | 224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4092% | 403 |
| Cost of funding earning assets | 1.2537% | 4,805 |
| Net interest margin | 5.1555% | 307 |
| Noninterest income to average assets | 1.4345% | 618 |
| Noninterest expense to average assets | 4.5047% | 573 |
| Loan and lease loss provision to assets | 0.6292% | 2,277 |
| Net operating income to assets | 0.6816% | 3,476 |
| Return on assets (ROA) | 0.6826% | 3,621 |
| Pretax return on assets | 0.9617% | 3,271 |
| Return on Equity (ROE) | 6.3251% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.6640% | 3,104 |
| Net charge-offs to loans | 0.5259% | 2,957 |
| Credit loss provision to net charge-offs | 157.2122% | 2,508 |
| Earnings coverage of net charge-offs (x) | 3.9718% | 3,107 |
| Efficiency ratio | 72.1124% | 3,794 |
| Assets per employee ($millions) | 5.2259% | 1,898 |
| Cash dividends to net income (ytd only)* | 26.2611% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,571 |
| Loan loss allowance to noncurrent loans | 48.8016% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.6554% | 2,718 |
| Noncurrent loans to loans | 2.4100% | 3,240 |
| Net loans and leases to total assets | 75.7211% | 1,539 |
| Net loans and leases to deposits | 94.3556% | 1,230 |
| Net loans and leases to core deposits | 104.0686% | 1,629 |
| Total domestic deposits to total assets | 80.2508% | 5,653 |
| Equity capital to assets | 11.2640% | 2,623 |
| Core capital (leverage) ratio | 8.8859% | 4,780 |
| Tier 1 risk-based capital ratio | 10.5056% | 6,682 |
| Total risk-based capital ratio | 12.1488% | 6,333 |
| Memoranda: | ||
| Average total assets | $2,677,847,670 | 266 |
| Average earning assets | $2,420,403,000 | 264 |
| Average equity | $288,976,670 | 259 |
| Average total loans | $2,038,105,330 | 236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7425% | 245 |
| Cost of funding earning assets | 1.3665% | 4,382 |
| Net interest margin | 5.3760% | 218 |
| Noninterest income to average assets | 1.4512% | 568 |
| Noninterest expense to average assets | 5.3433% | 291 |
| Loan and lease loss provision to assets | 0.8026% | 1,576 |
| Net operating income to assets | 0.1339% | 5,909 |
| Return on assets (ROA) | 0.1330% | 6,036 |
| Pretax return on assets | 0.1855% | 5,922 |
| Return on Equity (ROE) | 1.2717% | 6,041 |
| Retained earnings to average equity (ytd only) | -0.5149% | 5,953 |
| Net charge-offs to loans | 0.3402% | 3,047 |
| Credit loss provision to net charge-offs | 311.4700% | 1,266 |
| Earnings coverage of net charge-offs (x) | 3.8365% | 2,768 |
| Efficiency ratio | 82.4722% | 2,211 |
| Assets per employee ($millions) | 8.3504% | 442 |
| Cash dividends to net income (ytd only)* | 140.4853% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 5,621 |
| Loan loss allowance to noncurrent loans | 51.7079% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.3884% | 3,040 |
| Noncurrent loans to loans | 2.2771% | 3,422 |
| Net loans and leases to total assets | 76.3834% | 1,461 |
| Net loans and leases to deposits | 95.2609% | 1,194 |
| Net loans and leases to core deposits | 105.3072% | 1,636 |
| Total domestic deposits to total assets | 80.1834% | 5,723 |
| Equity capital to assets | 11.0630% | 2,709 |
| Core capital (leverage) ratio | 9.6726% | 3,558 |
| Tier 1 risk-based capital ratio | 10.1594% | 6,923 |
| Total risk-based capital ratio | 11.7974% | 6,578 |
| Memoranda: | ||
| Average total assets | $2,354,947,500 | 310 |
| Average earning assets | $2,137,949,000 | 306 |
| Average equity | $246,277,500 | 300 |
| Average total loans | $1,783,830,500 | 282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 5,967 |
| Cost of funding earning assets | 1.7244% | 4,381 |
| Net interest margin | 3.4037% | 5,345 |
| Noninterest income to average assets | 0.8789% | 2,031 |
| Noninterest expense to average assets | 3.1911% | 3,404 |
| Loan and lease loss provision to assets | 0.5130% | 3,811 |
| Net operating income to assets | 0.2222% | 4,828 |
| Return on assets (ROA) | 0.2222% | 4,894 |
| Pretax return on assets | 0.3451% | 4,656 |
| Return on Equity (ROE) | 2.6143% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.2340% | 4,773 |
| Net charge-offs to loans | 0.6826% | 3,143 |
| Credit loss provision to net charge-offs | 102.6338% | 5,381 |
| Earnings coverage of net charge-offs (x) | 1.7166% | 4,453 |
| Efficiency ratio | 78.8097% | 3,075 |
| Assets per employee ($millions) | 4.3711% | 3,160 |
| Cash dividends to net income (ytd only)* | 91.0496% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,459 |
| Loan loss allowance to noncurrent loans | 83.8994% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 4,567 |
| Noncurrent loans to loans | 1.6151% | 4,231 |
| Net loans and leases to total assets | 71.1294% | 2,964 |
| Net loans and leases to deposits | 83.6934% | 3,332 |
| Net loans and leases to core deposits | 106.8586% | 3,232 |
| Total domestic deposits to total assets | 84.9881% | 3,554 |
| Equity capital to assets | 9.0317% | 5,091 |
| Core capital (leverage) ratio | 8.8896% | 4,607 |
| Tier 1 risk-based capital ratio | 11.2794% | 5,632 |
| Total risk-based capital ratio | 14.1061% | 4,196 |
| Memoranda: | ||
| Average total assets | $1,397,631,400 | 488 |
| Average earning assets | $1,301,774,600 | 475 |
| Average equity | $118,809,600 | 556 |
| Average total loans | $1,023,450,400 | 472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 6,258 |
| Cost of funding earning assets | 1.8223% | 4,276 |
| Net interest margin | 3.2795% | 5,715 |
| Noninterest income to average assets | 0.8598% | 2,150 |
| Noninterest expense to average assets | 3.1229% | 3,569 |
| Loan and lease loss provision to assets | 0.4221% | 3,797 |
| Net operating income to assets | 0.2545% | 4,970 |
| Return on assets (ROA) | 0.2546% | 5,058 |
| Pretax return on assets | 0.3700% | 4,877 |
| Return on Equity (ROE) | 3.0425% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.6847% | 4,902 |
| Net charge-offs to loans | 0.5916% | 2,905 |
| Credit loss provision to net charge-offs | 97.0575% | 5,263 |
| Earnings coverage of net charge-offs (x) | 1.8213% | 4,435 |
| Efficiency ratio | 79.7697% | 2,880 |
| Assets per employee ($millions) | 4.2210% | 3,343 |
| Cash dividends to net income (ytd only)* | 77.4944% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,475 |
| Loan loss allowance to noncurrent loans | 65.9396% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.5415% | 4,054 |
| Noncurrent loans to loans | 1.9786% | 3,672 |
| Net loans and leases to total assets | 70.8039% | 3,314 |
| Net loans and leases to deposits | 83.0709% | 3,815 |
| Net loans and leases to core deposits | 103.9701% | 3,939 |
| Total domestic deposits to total assets | 85.2331% | 3,109 |
| Equity capital to assets | 8.9369% | 5,577 |
| Core capital (leverage) ratio | 8.7436% | 5,057 |
| Tier 1 risk-based capital ratio | 11.2304% | 5,712 |
| Total risk-based capital ratio | 14.0093% | 4,293 |
| Memoranda: | ||
| Average total assets | $1,396,257,250 | 503 |
| Average earning assets | $1,300,719,750 | 484 |
| Average equity | $116,830,500 | 572 |
| Average total loans | $1,026,376,250 | 485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1121% | 6,383 |
| Cost of funding earning assets | 1.9023% | 4,253 |
| Net interest margin | 3.2098% | 5,879 |
| Noninterest income to average assets | 0.8548% | 2,161 |
| Noninterest expense to average assets | 3.2121% | 3,303 |
| Loan and lease loss provision to assets | 0.3495% | 3,830 |
| Net operating income to assets | 0.2141% | 5,208 |
| Return on assets (ROA) | 0.2142% | 5,289 |
| Pretax return on assets | 0.2751% | 5,261 |
| Return on Equity (ROE) | 2.6214% | 5,046 |
| Retained earnings to average equity (ytd only) | 0.3146% | 5,095 |
| Net charge-offs to loans | 0.6000% | 2,539 |
| Credit loss provision to net charge-offs | 78.5969% | 5,236 |
| Earnings coverage of net charge-offs (x) | 1.4044% | 4,476 |
| Efficiency ratio | 83.7217% | 2,511 |
| Assets per employee ($millions) | 4.0918% | 3,512 |
| Cash dividends to net income (ytd only)* | 87.9973% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,418 |
| Loan loss allowance to noncurrent loans | 72.6744% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 4,253 |
| Noncurrent loans to loans | 1.7558% | 3,874 |
| Net loans and leases to total assets | 69.1177% | 3,916 |
| Net loans and leases to deposits | 80.8533% | 4,412 |
| Net loans and leases to core deposits | 99.6858% | 4,540 |
| Total domestic deposits to total assets | 85.4853% | 3,022 |
| Equity capital to assets | 8.6877% | 5,774 |
| Core capital (leverage) ratio | 8.6331% | 5,208 |
| Tier 1 risk-based capital ratio | 11.1356% | 5,740 |
| Total risk-based capital ratio | 13.8567% | 4,356 |
| Memoranda: | ||
| Average total assets | $1,384,705,000 | 517 |
| Average earning assets | $1,286,363,670 | 501 |
| Average equity | $113,147,330 | 596 |
| Average total loans | $1,026,323,000 | 499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 6,330 |
| Cost of funding earning assets | 1.9753% | 4,259 |
| Net interest margin | 3.2161% | 5,807 |
| Noninterest income to average assets | 0.8596% | 2,036 |
| Noninterest expense to average assets | 3.0328% | 3,619 |
| Loan and lease loss provision to assets | 0.3464% | 3,246 |
| Net operating income to assets | 0.3514% | 5,064 |
| Return on assets (ROA) | 0.3514% | 5,247 |
| Pretax return on assets | 0.4590% | 5,212 |
| Return on Equity (ROE) | 4.4496% | 4,725 |
| Retained earnings to average equity (ytd only) | 1.4222% | 5,064 |
| Net charge-offs to loans | 0.5973% | 1,982 |
| Credit loss provision to net charge-offs | 76.0026% | 4,254 |
| Earnings coverage of net charge-offs (x) | 1.7671% | 3,849 |
| Efficiency ratio | 79.0169% | 2,999 |
| Assets per employee ($millions) | 3.9466% | 3,776 |
| Cash dividends to net income (ytd only)* | 68.0369% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,206 |
| Loan loss allowance to noncurrent loans | 125.8370% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 5,172 |
| Noncurrent loans to loans | 1.0171% | 4,963 |
| Net loans and leases to total assets | 71.8182% | 3,284 |
| Net loans and leases to deposits | 84.2496% | 3,941 |
| Net loans and leases to core deposits | 101.9023% | 4,356 |
| Total domestic deposits to total assets | 85.2446% | 3,092 |
| Equity capital to assets | 8.8422% | 5,561 |
| Core capital (leverage) ratio | 8.8106% | 4,964 |
| Tier 1 risk-based capital ratio | 11.1158% | 5,801 |
| Total risk-based capital ratio | 13.8549% | 4,392 |
| Memoranda: | ||
| Average total assets | $1,356,893,500 | 527 |
| Average earning assets | $1,256,696,500 | 517 |
| Average equity | $107,155,000 | 626 |
| Average total loans | $1,035,290,000 | 501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1010% | 5,039 |
| Cost of funding earning assets | 2.7006% | 3,151 |
| Net interest margin | 3.4004% | 5,663 |
| Noninterest income to average assets | 0.9075% | 1,929 |
| Noninterest expense to average assets | 3.2611% | 3,108 |
| Loan and lease loss provision to assets | 0.6907% | 2,118 |
| Net operating income to assets | 0.1052% | 6,100 |
| Return on assets (ROA) | 0.1126% | 5,912 |
| Pretax return on assets | 0.1103% | 5,919 |
| Return on Equity (ROE) | 1.7193% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.6595% | 4,844 |
| Net charge-offs to loans | 0.2531% | 3,748 |
| Credit loss provision to net charge-offs | 344.5769% | 1,314 |
| Earnings coverage of net charge-offs (x) | 3.9592% | 4,161 |
| Efficiency ratio | 80.4278% | 2,537 |
| Assets per employee ($millions) | 3.6439% | 4,303 |
| Cash dividends to net income (ytd only)* | 61.6438% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 3,802 |
| Loan loss allowance to noncurrent loans | 262.9983% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 5,836 |
| Noncurrent loans to loans | 0.4932% | 5,872 |
| Net loans and leases to total assets | 79.1137% | 1,859 |
| Net loans and leases to deposits | 91.2054% | 3,261 |
| Net loans and leases to core deposits | 106.7326% | 4,112 |
| Total domestic deposits to total assets | 86.7423% | 2,070 |
| Equity capital to assets | 6.8705% | 7,796 |
| Core capital (leverage) ratio | 6.9152% | 7,747 |
| Tier 1 risk-based capital ratio | 8.1202% | 8,063 |
| Total risk-based capital ratio | 10.9184% | 7,016 |
| Memoranda: | ||
| Average total assets | $1,297,152,800 | 526 |
| Average earning assets | $1,200,535,600 | 518 |
| Average equity | $84,918,800 | 784 |
| Average total loans | $1,027,293,800 | 481 |