| 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 | 7.5899% | 183 |
| Cost of funding earning assets | 2.7670% | 524 |
| Net interest margin | 4.8229% | 393 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 2.0580% | 3,434 |
| Loan and lease loss provision to assets | 0.4800% | 195 |
| Net operating income to assets | 1.5556% | 984 |
| Return on assets (ROA) | 1.5556% | 978 |
| Pretax return on assets | 2.2257% | 478 |
| Return on Equity (ROE) | 14.8200% | 1,110 |
| Retained earnings to average equity (ytd only) | 8.1831% | 1,642 |
| Net charge-offs to loans | 0.0919% | 874 |
| Credit loss provision to net charge-offs | 606.1521% | 477 |
| Earnings coverage of net charge-offs (x) | 35.2472% | 1,154 |
| Efficiency ratio | 43.0775% | 4,205 |
| Assets per employee ($millions) | 16.7752% | 157 |
| Cash dividends to net income (ytd only)* | 44.7788% | 1,358 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2093% | 2,140 |
| Loan loss allowance to noncurrent loans | 170.6211% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 1,224 |
| Noncurrent loans to loans | 0.7087% | 1,450 |
| Net loans and leases to total assets | 83.5200% | 281 |
| Net loans and leases to deposits | 94.8933% | 705 |
| Net loans and leases to core deposits | 105.9420% | 1,031 |
| Total domestic deposits to total assets | 88.0100% | 1,551 |
| Equity capital to assets | 10.5306% | 1,899 |
| Core capital (leverage) ratio | 10.1443% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4932% | 2,043 |
| Memoranda: |
| Average total assets | $22,970,035,000 | 93 |
| Average earning assets | $22,127,802,500 | 84 |
| Average equity | $2,411,216,000 | 93 |
| Average total loans | $19,180,143,500 | 73 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2545% | 137 |
| Cost of funding earning assets | 3.4058% | 226 |
| Net interest margin | 4.8488% | 411 |
| Noninterest income to average assets | 0.0700% | 4,316 |
| Noninterest expense to average assets | 2.0310% | 3,544 |
| Loan and lease loss provision to assets | 0.2600% | 483 |
| Net operating income to assets | 1.7426% | 612 |
| Return on assets (ROA) | 1.7426% | 605 |
| Pretax return on assets | 2.4648% | 308 |
| Return on Equity (ROE) | 17.1300% | 653 |
| Retained earnings to average equity (ytd only) | 10.9016% | 446 |
| Net charge-offs to loans | 0.1030% | 1,156 |
| Credit loss provision to net charge-offs | 296.0462% | 871 |
| Earnings coverage of net charge-offs (x) | 31.7996% | 1,498 |
| Efficiency ratio | 42.3116% | 4,282 |
| Assets per employee ($millions) | 17.0834% | 154 |
| Cash dividends to net income (ytd only)* | 36.3774% | 2,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1357% | 2,505 |
| Loan loss allowance to noncurrent loans | 89.9475% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 627 |
| Noncurrent loans to loans | 1.2626% | 797 |
| Net loans and leases to total assets | 81.5100% | 494 |
| Net loans and leases to deposits | 92.6675% | 978 |
| Net loans and leases to core deposits | 102.4216% | 1,309 |
| Total domestic deposits to total assets | 87.9600% | 1,528 |
| Equity capital to assets | 10.4635% | 1,854 |
| Core capital (leverage) ratio | 9.8458% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8554% | 1,924 |
| Memoranda: |
| Average total assets | $22,085,098,400 | 91 |
| Average earning assets | $21,304,570,200 | 84 |
| Average equity | $2,246,036,800 | 95 |
| Average total loans | $18,350,119,600 | 72 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2826% | 140 |
| Cost of funding earning assets | 3.4969% | 201 |
| Net interest margin | 4.7856% | 435 |
| Noninterest income to average assets | 0.1100% | 4,188 |
| Noninterest expense to average assets | 2.0342% | 3,478 |
| Loan and lease loss provision to assets | 0.2600% | 417 |
| Net operating income to assets | 1.7278% | 654 |
| Return on assets (ROA) | 1.7278% | 656 |
| Pretax return on assets | 2.4293% | 357 |
| Return on Equity (ROE) | 17.1200% | 669 |
| Retained earnings to average equity (ytd only) | 11.0856% | 637 |
| Net charge-offs to loans | 0.1016% | 981 |
| Credit loss provision to net charge-offs | 307.5777% | 833 |
| Earnings coverage of net charge-offs (x) | 31.7852% | 1,479 |
| Efficiency ratio | 42.5309% | 4,274 |
| Assets per employee ($millions) | 16.7084% | 163 |
| Cash dividends to net income (ytd only)* | 35.2418% | 1,956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1019% | 2,756 |
| Loan loss allowance to noncurrent loans | 97.7184% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 735 |
| Noncurrent loans to loans | 1.1276% | 881 |
| Net loans and leases to total assets | 80.6400% | 554 |
| Net loans and leases to deposits | 91.4823% | 1,099 |
| Net loans and leases to core deposits | 100.4692% | 1,454 |
| Total domestic deposits to total assets | 88.1500% | 1,200 |
| Equity capital to assets | 10.1978% | 2,165 |
| Core capital (leverage) ratio | 9.8164% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0607% | 1,870 |
| Memoranda: |
| Average total assets | $21,896,230,500 | 93 |
| Average earning assets | $21,128,818,000 | 88 |
| Average equity | $2,210,065,000 | 98 |
| Average total loans | $18,229,796,750 | 75 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2176% | 145 |
| Cost of funding earning assets | 3.5212% | 167 |
| Net interest margin | 4.6964% | 494 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.0020% | 3,555 |
| Loan and lease loss provision to assets | 0.2200% | 493 |
| Net operating income to assets | 1.7544% | 622 |
| Return on assets (ROA) | 1.7544% | 623 |
| Pretax return on assets | 2.4382% | 354 |
| Return on Equity (ROE) | 17.4500% | 669 |
| Retained earnings to average equity (ytd only) | 11.9124% | 553 |
| Net charge-offs to loans | 0.0631% | 1,137 |
| Credit loss provision to net charge-offs | 468.6525% | 660 |
| Earnings coverage of net charge-offs (x) | 50.3149% | 1,114 |
| Efficiency ratio | 42.3527% | 4,294 |
| Assets per employee ($millions) | 16.5864% | 153 |
| Cash dividends to net income (ytd only)* | 31.7177% | 2,150 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0652% | 2,961 |
| Loan loss allowance to noncurrent loans | 148.1550% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 1,114 |
| Noncurrent loans to loans | 0.7189% | 1,306 |
| Net loans and leases to total assets | 83.0000% | 379 |
| Net loans and leases to deposits | 94.2852% | 921 |
| Net loans and leases to core deposits | 104.9607% | 1,206 |
| Total domestic deposits to total assets | 88.0300% | 1,320 |
| Equity capital to assets | 10.1240% | 1,999 |
| Core capital (leverage) ratio | 9.7396% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8074% | 1,962 |
| Memoranda: |
| Average total assets | $21,564,826,333 | 91 |
| Average earning assets | $20,807,486,333 | 87 |
| Average equity | $2,168,642,333 | 97 |
| Average total loans | $18,084,869,000 | 75 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2316% | 140 |
| Cost of funding earning assets | 3.4572% | 172 |
| Net interest margin | 4.7744% | 421 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 1.9802% | 3,628 |
| Loan and lease loss provision to assets | 0.2000% | 510 |
| Net operating income to assets | 1.8401% | 532 |
| Return on assets (ROA) | 1.8401% | 542 |
| Pretax return on assets | 2.5650% | 321 |
| Return on Equity (ROE) | 18.3600% | 574 |
| Retained earnings to average equity (ytd only) | 12.7338% | 635 |
| Net charge-offs to loans | 0.0724% | 877 |
| Credit loss provision to net charge-offs | 424.6902% | 560 |
| Earnings coverage of net charge-offs (x) | 45.5830% | 994 |
| Efficiency ratio | 41.1157% | 4,317 |
| Assets per employee ($millions) | 16.9029% | 153 |
| Cash dividends to net income (ytd only)* | 30.6517% | 1,787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0362% | 3,121 |
| Loan loss allowance to noncurrent loans | 109.0576% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 762 |
| Noncurrent loans to loans | 0.9501% | 916 |
| Net loans and leases to total assets | 82.0400% | 415 |
| Net loans and leases to deposits | 93.0356% | 943 |
| Net loans and leases to core deposits | 105.1340% | 1,147 |
| Total domestic deposits to total assets | 88.1800% | 1,365 |
| Equity capital to assets | 10.0384% | 1,997 |
| Core capital (leverage) ratio | 9.8613% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4851% | 2,083 |
| Memoranda: |
| Average total assets | $21,275,832,500 | 91 |
| Average earning assets | $20,534,553,000 | 87 |
| Average equity | $2,132,090,500 | 98 |
| Average total loans | $17,839,544,500 | 75 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4453% | 171 |
| Cost of funding earning assets | 2.9188% | 166 |
| Net interest margin | 4.5265% | 590 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.0308% | 3,551 |
| Loan and lease loss provision to assets | -0.2200% | 4,564 |
| Net operating income to assets | 2.0621% | 427 |
| Return on assets (ROA) | 2.0621% | 415 |
| Pretax return on assets | 2.9385% | 215 |
| Return on Equity (ROE) | 21.0400% | 534 |
| Retained earnings to average equity (ytd only) | 16.0396% | 268 |
| Net charge-offs to loans | 0.0381% | 1,547 |
| Credit loss provision to net charge-offs | -696.6746% | 4,553 |
| Earnings coverage of net charge-offs (x) | 83.5732% | 996 |
| Efficiency ratio | 42.0653% | 4,313 |
| Assets per employee ($millions) | 16.9087% | 153 |
| Cash dividends to net income (ytd only)* | 23.7707% | 2,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0045% | 3,283 |
| Loan loss allowance to noncurrent loans | 114.6067% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 665 |
| Noncurrent loans to loans | 0.8765% | 868 |
| Net loans and leases to total assets | 83.9900% | 269 |
| Net loans and leases to deposits | 95.2002% | 851 |
| Net loans and leases to core deposits | 107.9512% | 1,039 |
| Total domestic deposits to total assets | 88.2300% | 1,277 |
| Equity capital to assets | 10.0031% | 2,006 |
| Core capital (leverage) ratio | 10.2235% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2502% | 2,152 |
| Memoranda: |
| Average total assets | $19,381,158,400 | 96 |
| Average earning assets | $18,777,630,000 | 90 |
| Average equity | $1,899,371,800 | 101 |
| Average total loans | $16,587,671,400 | 78 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2714% | 169 |
| Cost of funding earning assets | 2.7966% | 162 |
| Net interest margin | 4.4749% | 640 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.0536% | 3,458 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.6121% | 924 |
| Return on assets (ROA) | 1.6121% | 910 |
| Pretax return on assets | 2.2876% | 488 |
| Return on Equity (ROE) | 16.5400% | 1,163 |
| Retained earnings to average equity (ytd only) | 11.8725% | 995 |
| Net charge-offs to loans | 0.0375% | 1,352 |
| Credit loss provision to net charge-offs | 396.8254% | 726 |
| Earnings coverage of net charge-offs (x) | 75.2703% | 1,080 |
| Efficiency ratio | 45.1520% | 4,183 |
| Assets per employee ($millions) | 16.3623% | 154 |
| Cash dividends to net income (ytd only)* | 28.2346% | 2,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9974% | 3,389 |
| Loan loss allowance to noncurrent loans | 124.4586% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 778 |
| Noncurrent loans to loans | 0.8014% | 1,039 |
| Net loans and leases to total assets | 85.0100% | 214 |
| Net loans and leases to deposits | 95.6164% | 777 |
| Net loans and leases to core deposits | 109.3927% | 893 |
| Total domestic deposits to total assets | 88.9100% | 1,291 |
| Equity capital to assets | 9.7016% | 1,993 |
| Core capital (leverage) ratio | 9.9897% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6692% | 2,400 |
| Memoranda: |
| Average total assets | $19,039,707,250 | 98 |
| Average earning assets | $18,467,392,250 | 93 |
| Average equity | $1,855,379,250 | 103 |
| Average total loans | $16,333,930,500 | 81 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1123% | 166 |
| Cost of funding earning assets | 2.6459% | 143 |
| Net interest margin | 4.4664% | 637 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.0631% | 3,434 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.6161% | 924 |
| Return on assets (ROA) | 1.6161% | 923 |
| Pretax return on assets | 2.2694% | 489 |
| Return on Equity (ROE) | 16.5600% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.7314% | 849 |
| Net charge-offs to loans | 0.0378% | 1,150 |
| Credit loss provision to net charge-offs | 411.4549% | 722 |
| Earnings coverage of net charge-offs (x) | 74.1215% | 1,087 |
| Efficiency ratio | 45.4763% | 4,188 |
| Assets per employee ($millions) | 16.7064% | 149 |
| Cash dividends to net income (ytd only)* | 23.1098% | 2,333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0014% | 3,412 |
| Loan loss allowance to noncurrent loans | 161.5588% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 955 |
| Noncurrent loans to loans | 0.6199% | 1,204 |
| Net loans and leases to total assets | 84.8600% | 219 |
| Net loans and leases to deposits | 95.3613% | 769 |
| Net loans and leases to core deposits | 110.8421% | 792 |
| Total domestic deposits to total assets | 88.9900% | 1,266 |
| Equity capital to assets | 9.7160% | 2,022 |
| Core capital (leverage) ratio | 9.6799% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5011% | 2,464 |
| Memoranda: |
| Average total assets | $18,743,170,667 | 98 |
| Average earning assets | $18,193,141,333 | 91 |
| Average equity | $1,829,350,333 | 100 |
| Average total loans | $16,074,202,000 | 78 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7920% | 136 |
| Cost of funding earning assets | 2.3042% | 149 |
| Net interest margin | 4.4878% | 593 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.1300% | 3,302 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.5567% | 1,066 |
| Return on assets (ROA) | 1.5567% | 1,059 |
| Pretax return on assets | 2.2411% | 534 |
| Return on Equity (ROE) | 15.9100% | 1,376 |
| Retained earnings to average equity (ytd only) | 14.8017% | 827 |
| Net charge-offs to loans | 0.0361% | 1,012 |
| Credit loss provision to net charge-offs | 385.9649% | 612 |
| Earnings coverage of net charge-offs (x) | 76.2681% | 915 |
| Efficiency ratio | 46.7209% | 4,178 |
| Assets per employee ($millions) | 16.8208% | 145 |
| Cash dividends to net income (ytd only)* | 6.9761% | 2,220 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0079% | 3,484 |
| Loan loss allowance to noncurrent loans | 167.9233% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 981 |
| Noncurrent loans to loans | 0.6002% | 1,238 |
| Net loans and leases to total assets | 83.5400% | 268 |
| Net loans and leases to deposits | 93.8227% | 798 |
| Net loans and leases to core deposits | 113.1928% | 606 |
| Total domestic deposits to total assets | 89.0400% | 1,531 |
| Equity capital to assets | 9.6925% | 2,001 |
| Core capital (leverage) ratio | 10.1695% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4043% | 2,601 |
| Memoranda: |
| Average total assets | $18,416,678,500 | 103 |
| Average earning assets | $17,870,084,000 | 97 |
| Average equity | $1,801,762,500 | 103 |
| Average total loans | $15,798,432,000 | 83 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4331% | 165 |
| Cost of funding earning assets | 0.8539% | 319 |
| Net interest margin | 4.5792% | 254 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.1501% | 3,157 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.6243% | 647 |
| Return on assets (ROA) | 1.6243% | 615 |
| Pretax return on assets | 2.3359% | 259 |
| Return on Equity (ROE) | 16.2000% | 1,016 |
| Retained earnings to average equity (ytd only) | 14.9540% | 295 |
| Net charge-offs to loans | 0.0423% | 1,272 |
| Credit loss provision to net charge-offs | 377.7815% | 797 |
| Earnings coverage of net charge-offs (x) | 66.1574% | 1,186 |
| Efficiency ratio | 45.5162% | 4,372 |
| Assets per employee ($millions) | 16.0764% | 164 |
| Cash dividends to net income (ytd only)* | 7.6928% | 3,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0058% | 3,341 |
| Loan loss allowance to noncurrent loans | 165.3216% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 906 |
| Noncurrent loans to loans | 0.6084% | 1,230 |
| Net loans and leases to total assets | 86.3800% | 136 |
| Net loans and leases to deposits | 97.3551% | 562 |
| Net loans and leases to core deposits | 119.0870% | 387 |
| Total domestic deposits to total assets | 88.7300% | 1,803 |
| Equity capital to assets | 9.8795% | 1,768 |
| Core capital (leverage) ratio | 10.0471% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1266% | 2,693 |
| Memoranda: |
| Average total assets | $16,006,435,200 | 120 |
| Average earning assets | $15,513,390,600 | 109 |
| Average equity | $1,604,820,400 | 118 |
| Average total loans | $14,236,324,800 | 90 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0281% | 205 |
| Cost of funding earning assets | 0.5187% | 685 |
| Net interest margin | 4.5094% | 236 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.1228% | 3,153 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.5774% | 693 |
| Return on assets (ROA) | 1.5774% | 673 |
| Pretax return on assets | 2.2709% | 289 |
| Return on Equity (ROE) | 15.6700% | 1,046 |
| Retained earnings to average equity (ytd only) | 14.3882% | 421 |
| Net charge-offs to loans | 0.0410% | 1,081 |
| Credit loss provision to net charge-offs | 451.1366% | 646 |
| Earnings coverage of net charge-offs (x) | 67.0462% | 1,121 |
| Efficiency ratio | 45.4850% | 4,404 |
| Assets per employee ($millions) | 15.8905% | 167 |
| Cash dividends to net income (ytd only)* | 8.1616% | 2,896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0107% | 3,418 |
| Loan loss allowance to noncurrent loans | 128.8900% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 712 |
| Noncurrent loans to loans | 0.7841% | 1,026 |
| Net loans and leases to total assets | 87.8100% | 68 |
| Net loans and leases to deposits | 99.2329% | 397 |
| Net loans and leases to core deposits | 120.5492% | 251 |
| Total domestic deposits to total assets | 88.4900% | 2,277 |
| Equity capital to assets | 9.8017% | 1,725 |
| Core capital (leverage) ratio | 10.3050% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7073% | 2,890 |
| Memoranda: |
| Average total assets | $15,534,773,000 | 122 |
| Average earning assets | $15,050,859,250 | 114 |
| Average equity | $1,564,090,250 | 123 |
| Average total loans | $13,892,181,250 | 93 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7975% | 223 |
| Cost of funding earning assets | 0.2882% | 1,817 |
| Net interest margin | 4.5093% | 193 |
| Noninterest income to average assets | 0.2282% | 3,824 |
| Noninterest expense to average assets | 1.9650% | 3,534 |
| Loan and lease loss provision to assets | 0.1707% | 530 |
| Net operating income to assets | 1.7083% | 419 |
| Return on assets (ROA) | 1.7083% | 412 |
| Pretax return on assets | 2.4591% | 178 |
| Return on Equity (ROE) | 16.7950% | 588 |
| Retained earnings to average equity (ytd only) | 15.4788% | 226 |
| Net charge-offs to loans | 0.0354% | 1,030 |
| Credit loss provision to net charge-offs | 442.6644% | 666 |
| Earnings coverage of net charge-offs (x) | 82.8149% | 912 |
| Efficiency ratio | 41.8591% | 4,574 |
| Assets per employee ($millions) | 14.6144% | 213 |
| Cash dividends to net income (ytd only)* | 7.8367% | 2,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0434% | 3,411 |
| Loan loss allowance to noncurrent loans | 125.4568% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 716 |
| Noncurrent loans to loans | 0.8317% | 1,027 |
| Net loans and leases to total assets | 87.9689% | 43 |
| Net loans and leases to deposits | 99.9658% | 271 |
| Net loans and leases to core deposits | 111.3202% | 329 |
| Total domestic deposits to total assets | 87.9990% | 2,578 |
| Equity capital to assets | 10.2119% | 1,581 |
| Core capital (leverage) ratio | 10.6497% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0108% | 2,817 |
| Memoranda: |
| Average total assets | $14,939,477,000 | 126 |
| Average earning assets | $14,466,882,667 | 121 |
| Average equity | $1,519,547,000 | 127 |
| Average total loans | $13,401,381,000 | 94 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6419% | 241 |
| Cost of funding earning assets | 0.2278% | 2,431 |
| Net interest margin | 4.4142% | 190 |
| Noninterest income to average assets | 0.2685% | 3,522 |
| Noninterest expense to average assets | 1.7769% | 3,999 |
| Loan and lease loss provision to assets | 0.1527% | 515 |
| Net operating income to assets | 1.8324% | 307 |
| Return on assets (ROA) | 1.8324% | 311 |
| Pretax return on assets | 2.6095% | 154 |
| Return on Equity (ROE) | 18.0557% | 332 |
| Retained earnings to average equity (ytd only) | 16.6880% | 196 |
| Net charge-offs to loans | 0.0498% | 792 |
| Credit loss provision to net charge-offs | 278.2931% | 690 |
| Earnings coverage of net charge-offs (x) | 61.5300% | 845 |
| Efficiency ratio | 38.1825% | 4,679 |
| Assets per employee ($millions) | 14.4649% | 228 |
| Cash dividends to net income (ytd only)* | 7.5753% | 2,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0822% | 3,407 |
| Loan loss allowance to noncurrent loans | 105.2110% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 581 |
| Noncurrent loans to loans | 1.0286% | 878 |
| Net loans and leases to total assets | 88.6180% | 22 |
| Net loans and leases to deposits | 100.9578% | 155 |
| Net loans and leases to core deposits | 110.4892% | 249 |
| Total domestic deposits to total assets | 87.7773% | 2,634 |
| Equity capital to assets | 10.3511% | 1,656 |
| Core capital (leverage) ratio | 10.5110% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2384% | 2,841 |
| Memoranda: |
| Average total assets | $14,407,858,500 | 130 |
| Average earning assets | $13,939,418,000 | 126 |
| Average equity | $1,462,228,000 | 136 |
| Average total loans | $12,989,146,500 | 99 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7861% | 366 |
| Cost of funding earning assets | 0.3452% | 1,982 |
| Net interest margin | 4.4409% | 306 |
| Noninterest income to average assets | 0.2844% | 3,692 |
| Noninterest expense to average assets | 1.9132% | 3,898 |
| Loan and lease loss provision to assets | 0.0892% | 1,391 |
| Net operating income to assets | 1.8016% | 506 |
| Return on assets (ROA) | 1.8016% | 526 |
| Pretax return on assets | 2.5887% | 229 |
| Return on Equity (ROE) | 18.5515% | 415 |
| Retained earnings to average equity (ytd only) | 14.7085% | 252 |
| Net charge-offs to loans | 0.0655% | 1,138 |
| Credit loss provision to net charge-offs | 152.0743% | 1,483 |
| Earnings coverage of net charge-offs (x) | 45.6569% | 1,354 |
| Efficiency ratio | 40.5194% | 4,677 |
| Assets per employee ($millions) | 13.7447% | 256 |
| Cash dividends to net income (ytd only)* | 20.7151% | 2,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1007% | 3,351 |
| Loan loss allowance to noncurrent loans | 98.6722% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 549 |
| Noncurrent loans to loans | 1.1155% | 868 |
| Net loans and leases to total assets | 89.7491% | 18 |
| Net loans and leases to deposits | 101.9367% | 167 |
| Net loans and leases to core deposits | 109.2154% | 299 |
| Total domestic deposits to total assets | 88.0440% | 2,019 |
| Equity capital to assets | 9.9361% | 2,716 |
| Core capital (leverage) ratio | 10.1256% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7338% | 2,946 |
| Memoranda: |
| Average total assets | $13,397,679,000 | 133 |
| Average earning assets | $12,992,841,800 | 132 |
| Average equity | $1,301,082,800 | 146 |
| Average total loans | $11,995,905,600 | 100 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8255% | 395 |
| Cost of funding earning assets | 0.3742% | 1,901 |
| Net interest margin | 4.4512% | 342 |
| Noninterest income to average assets | 0.2765% | 3,770 |
| Noninterest expense to average assets | 1.9512% | 3,811 |
| Loan and lease loss provision to assets | 0.0801% | 1,482 |
| Net operating income to assets | 1.7789% | 696 |
| Return on assets (ROA) | 1.7789% | 730 |
| Pretax return on assets | 2.5660% | 299 |
| Return on Equity (ROE) | 18.4310% | 575 |
| Retained earnings to average equity (ytd only) | 14.7779% | 428 |
| Net charge-offs to loans | 0.0855% | 834 |
| Credit loss provision to net charge-offs | 105.0476% | 1,545 |
| Earnings coverage of net charge-offs (x) | 34.7077% | 1,451 |
| Efficiency ratio | 41.2398% | 4,683 |
| Assets per employee ($millions) | 13.4314% | 271 |
| Cash dividends to net income (ytd only)* | 19.8205% | 2,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1363% | 3,271 |
| Loan loss allowance to noncurrent loans | 105.0982% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 650 |
| Noncurrent loans to loans | 1.0812% | 1,046 |
| Net loans and leases to total assets | 88.2185% | 34 |
| Net loans and leases to deposits | 100.4976% | 217 |
| Net loans and leases to core deposits | 111.0318% | 306 |
| Total domestic deposits to total assets | 87.7817% | 1,960 |
| Equity capital to assets | 9.9965% | 2,902 |
| Core capital (leverage) ratio | 10.1399% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7971% | 2,775 |
| Memoranda: |
| Average total assets | $13,235,328,500 | 132 |
| Average earning assets | $12,847,433,250 | 130 |
| Average equity | $1,277,419,250 | 147 |
| Average total loans | $11,808,022,000 | 103 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8186% | 456 |
| Cost of funding earning assets | 0.4268% | 1,682 |
| Net interest margin | 4.3918% | 420 |
| Noninterest income to average assets | 0.2781% | 3,749 |
| Noninterest expense to average assets | 1.9907% | 3,728 |
| Loan and lease loss provision to assets | 0.0600% | 1,831 |
| Net operating income to assets | 1.7377% | 820 |
| Return on assets (ROA) | 1.7377% | 863 |
| Pretax return on assets | 2.4987% | 358 |
| Return on Equity (ROE) | 18.2265% | 624 |
| Retained earnings to average equity (ytd only) | 15.0375% | 423 |
| Net charge-offs to loans | 0.1259% | 619 |
| Credit loss provision to net charge-offs | 53.4651% | 1,590 |
| Earnings coverage of net charge-offs (x) | 22.7834% | 1,478 |
| Efficiency ratio | 42.4841% | 4,679 |
| Assets per employee ($millions) | 12.4463% | 318 |
| Cash dividends to net income (ytd only)* | 17.4963% | 2,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1496% | 3,197 |
| Loan loss allowance to noncurrent loans | 93.9049% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 607 |
| Noncurrent loans to loans | 1.2242% | 984 |
| Net loans and leases to total assets | 89.5764% | 21 |
| Net loans and leases to deposits | 104.1251% | 183 |
| Net loans and leases to core deposits | 115.3173% | 273 |
| Total domestic deposits to total assets | 86.0277% | 2,729 |
| Equity capital to assets | 10.1994% | 2,675 |
| Core capital (leverage) ratio | 9.4530% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2103% | 2,643 |
| Memoranda: |
| Average total assets | $13,156,548,667 | 132 |
| Average earning assets | $12,795,858,667 | 130 |
| Average equity | $1,254,327,000 | 146 |
| Average total loans | $11,736,996,667 | 102 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7319% | 544 |
| Cost of funding earning assets | 0.4707% | 1,589 |
| Net interest margin | 4.2612% | 552 |
| Noninterest income to average assets | 0.3717% | 3,238 |
| Noninterest expense to average assets | 1.9173% | 3,946 |
| Loan and lease loss provision to assets | 0.0808% | 1,602 |
| Net operating income to assets | 1.7519% | 857 |
| Return on assets (ROA) | 1.7519% | 911 |
| Pretax return on assets | 2.5311% | 413 |
| Return on Equity (ROE) | 19.0085% | 620 |
| Retained earnings to average equity (ytd only) | 17.3845% | 397 |
| Net charge-offs to loans | 0.0335% | 1,144 |
| Credit loss provision to net charge-offs | 272.7273% | 789 |
| Earnings coverage of net charge-offs (x) | 88.1343% | 663 |
| Efficiency ratio | 40.9806% | 4,715 |
| Assets per employee ($millions) | 13.4369% | 257 |
| Cash dividends to net income (ytd only)* | 8.5435% | 2,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1607% | 3,144 |
| Loan loss allowance to noncurrent loans | 88.5336% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 619 |
| Noncurrent loans to loans | 1.3110% | 991 |
| Net loans and leases to total assets | 87.4973% | 56 |
| Net loans and leases to deposits | 99.7850% | 292 |
| Net loans and leases to core deposits | 110.6963% | 390 |
| Total domestic deposits to total assets | 87.6859% | 2,002 |
| Equity capital to assets | 9.3785% | 3,305 |
| Core capital (leverage) ratio | 9.5561% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7122% | 2,763 |
| Memoranda: |
| Average total assets | $13,362,308,500 | 133 |
| Average earning assets | $13,037,111,000 | 126 |
| Average equity | $1,231,535,000 | 148 |
| Average total loans | $11,830,838,000 | 103 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2217% | 322 |
| Cost of funding earning assets | 0.8302% | 1,093 |
| Net interest margin | 4.3915% | 414 |
| Noninterest income to average assets | 0.7066% | 1,846 |
| Noninterest expense to average assets | 1.9151% | 4,299 |
| Loan and lease loss provision to assets | 0.4431% | 639 |
| Net operating income to assets | 1.8269% | 365 |
| Return on assets (ROA) | 1.8269% | 396 |
| Pretax return on assets | 2.6211% | 167 |
| Return on Equity (ROE) | 19.9518% | 231 |
| Retained earnings to average equity (ytd only) | 15.5368% | 138 |
| Net charge-offs to loans | 0.2323% | 752 |
| Credit loss provision to net charge-offs | 217.3137% | 2,084 |
| Earnings coverage of net charge-offs (x) | 15.0286% | 2,185 |
| Efficiency ratio | 37.0589% | 4,926 |
| Assets per employee ($millions) | 13.2482% | 248 |
| Cash dividends to net income (ytd only)* | 22.1283% | 3,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1564% | 3,180 |
| Loan loss allowance to noncurrent loans | 82.0017% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.2948% | 625 |
| Noncurrent loans to loans | 1.4103% | 959 |
| Net loans and leases to total assets | 87.5290% | 54 |
| Net loans and leases to deposits | 99.7842% | 379 |
| Net loans and leases to core deposits | 118.8077% | 325 |
| Total domestic deposits to total assets | 87.7183% | 1,605 |
| Equity capital to assets | 9.0530% | 4,011 |
| Core capital (leverage) ratio | 9.0765% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4359% | 2,818 |
| Memoranda: |
| Average total assets | $12,368,133,000 | 134 |
| Average earning assets | $12,033,364,800 | 124 |
| Average equity | $1,132,503,600 | 154 |
| Average total loans | $10,854,942,000 | 107 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3611% | 304 |
| Cost of funding earning assets | 0.9280% | 967 |
| Net interest margin | 4.4331% | 445 |
| Noninterest income to average assets | 0.7585% | 1,623 |
| Noninterest expense to average assets | 1.9158% | 4,301 |
| Loan and lease loss provision to assets | 0.5142% | 560 |
| Net operating income to assets | 1.8392% | 416 |
| Return on assets (ROA) | 1.8392% | 460 |
| Pretax return on assets | 2.6390% | 172 |
| Return on Equity (ROE) | 20.0235% | 237 |
| Retained earnings to average equity (ytd only) | 14.6405% | 217 |
| Net charge-offs to loans | 0.2598% | 592 |
| Credit loss provision to net charge-offs | 226.0979% | 2,009 |
| Earnings coverage of net charge-offs (x) | 13.8648% | 2,178 |
| Efficiency ratio | 36.3951% | 4,947 |
| Assets per employee ($millions) | 12.9169% | 263 |
| Cash dividends to net income (ytd only)* | 26.8835% | 2,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1940% | 2,697 |
| Loan loss allowance to noncurrent loans | 72.9395% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5137% | 556 |
| Noncurrent loans to loans | 1.6370% | 855 |
| Net loans and leases to total assets | 88.3902% | 71 |
| Net loans and leases to deposits | 102.1183% | 448 |
| Net loans and leases to core deposits | 119.9730% | 416 |
| Total domestic deposits to total assets | 86.5567% | 1,834 |
| Equity capital to assets | 9.2509% | 3,907 |
| Core capital (leverage) ratio | 8.8286% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7196% | 2,714 |
| Memoranda: |
| Average total assets | $12,134,875,500 | 135 |
| Average earning assets | $11,799,406,250 | 126 |
| Average equity | $1,114,590,500 | 154 |
| Average total loans | $10,624,030,250 | 109 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5797% | 288 |
| Cost of funding earning assets | 1.0429% | 859 |
| Net interest margin | 4.5369% | 464 |
| Noninterest income to average assets | 0.7070% | 1,712 |
| Noninterest expense to average assets | 1.8768% | 4,447 |
| Loan and lease loss provision to assets | 0.5815% | 558 |
| Net operating income to assets | 1.8386% | 464 |
| Return on assets (ROA) | 1.8386% | 509 |
| Pretax return on assets | 2.6580% | 166 |
| Return on Equity (ROE) | 20.0672% | 242 |
| Retained earnings to average equity (ytd only) | 15.5339% | 197 |
| Net charge-offs to loans | 0.3574% | 448 |
| Credit loss provision to net charge-offs | 187.2258% | 1,969 |
| Earnings coverage of net charge-offs (x) | 10.4304% | 2,149 |
| Efficiency ratio | 35.2868% | 4,986 |
| Assets per employee ($millions) | 13.8351% | 206 |
| Cash dividends to net income (ytd only)* | 22.5907% | 2,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7033% | 4,555 |
| Loan loss allowance to noncurrent loans | 87.9112% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 1,738 |
| Noncurrent loans to loans | 0.8000% | 1,895 |
| Net loans and leases to total assets | 82.0090% | 415 |
| Net loans and leases to deposits | 93.9557% | 970 |
| Net loans and leases to core deposits | 113.7460% | 607 |
| Total domestic deposits to total assets | 87.2848% | 1,503 |
| Equity capital to assets | 8.8221% | 4,241 |
| Core capital (leverage) ratio | 9.2507% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6240% | 2,761 |
| Memoranda: |
| Average total assets | $12,037,813,333 | 135 |
| Average earning assets | $11,699,514,333 | 126 |
| Average equity | $1,102,944,667 | 155 |
| Average total loans | $10,459,987,667 | 109 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5602% | 82 |
| Cost of funding earning assets | 1.2546% | 646 |
| Net interest margin | 5.3056% | 128 |
| Noninterest income to average assets | 0.7321% | 1,524 |
| Noninterest expense to average assets | 1.9467% | 4,498 |
| Loan and lease loss provision to assets | 0.9872% | 218 |
| Net operating income to assets | 2.0820% | 232 |
| Return on assets (ROA) | 2.0820% | 255 |
| Pretax return on assets | 2.9607% | 96 |
| Return on Equity (ROE) | 22.2579% | 106 |
| Retained earnings to average equity (ytd only) | 13.0000% | 321 |
| Net charge-offs to loans | 0.0351% | 1,712 |
| Credit loss provision to net charge-offs | 3,152.6549% | 247 |
| Earnings coverage of net charge-offs (x) | 126.0730% | 491 |
| Efficiency ratio | 31.7549% | 5,057 |
| Assets per employee ($millions) | 12.7981% | 198 |
| Cash dividends to net income (ytd only)* | 41.5939% | 1,848 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8320% | 4,331 |
| Loan loss allowance to noncurrent loans | 152.2652% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 2,330 |
| Noncurrent loans to loans | 0.5464% | 2,631 |
| Net loans and leases to total assets | 89.7369% | 37 |
| Net loans and leases to deposits | 107.9774% | 231 |
| Net loans and leases to core deposits | 136.2642% | 200 |
| Total domestic deposits to total assets | 83.1071% | 3,076 |
| Equity capital to assets | 9.4947% | 4,226 |
| Core capital (leverage) ratio | 8.7159% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6005% | 2,886 |
| Memoranda: |
| Average total assets | $11,547,313,000 | 135 |
| Average earning assets | $11,236,025,000 | 125 |
| Average equity | $1,080,153,500 | 158 |
| Average total loans | $10,313,868,000 | 108 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7831% | 339 |
| Cost of funding earning assets | 1.5065% | 388 |
| Net interest margin | 4.2766% | 1,147 |
| Noninterest income to average assets | 0.5448% | 2,514 |
| Noninterest expense to average assets | 1.9299% | 4,630 |
| Loan and lease loss provision to assets | 0.2738% | 653 |
| Net operating income to assets | 1.7816% | 540 |
| Return on assets (ROA) | 1.7818% | 576 |
| Pretax return on assets | 2.4945% | 215 |
| Return on Equity (ROE) | 18.7074% | 289 |
| Retained earnings to average equity (ytd only) | 10.7772% | 367 |
| Net charge-offs to loans | 0.2445% | 843 |
| Credit loss provision to net charge-offs | 123.9899% | 2,052 |
| Earnings coverage of net charge-offs (x) | 12.5351% | 2,409 |
| Efficiency ratio | 40.7950% | 5,053 |
| Assets per employee ($millions) | 11.2035% | 278 |
| Cash dividends to net income (ytd only)* | 42.3908% | 2,473 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5826% | 4,774 |
| Loan loss allowance to noncurrent loans | 113.7125% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 2,357 |
| Noncurrent loans to loans | 0.5123% | 2,654 |
| Net loans and leases to total assets | 87.6341% | 98 |
| Net loans and leases to deposits | 99.7345% | 623 |
| Net loans and leases to core deposits | 118.3014% | 528 |
| Total domestic deposits to total assets | 87.8674% | 1,186 |
| Equity capital to assets | 9.2137% | 4,559 |
| Core capital (leverage) ratio | 9.1552% | 4,397 |
| Tier 1 risk-based capital ratio | 11.5542% | 4,602 |
| Total risk-based capital ratio | 12.2489% | 4,765 |
| Memoranda: |
| Average total assets | $10,591,610,000 | 135 |
| Average earning assets | $10,285,890,600 | 128 |
| Average equity | $1,008,796,200 | 164 |
| Average total loans | $9,564,917,800 | 113 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9516% | 263 |
| Cost of funding earning assets | 1.5588% | 342 |
| Net interest margin | 4.3928% | 966 |
| Noninterest income to average assets | 0.5787% | 2,314 |
| Noninterest expense to average assets | 1.9464% | 4,653 |
| Loan and lease loss provision to assets | 0.3156% | 455 |
| Net operating income to assets | 1.8479% | 563 |
| Return on assets (ROA) | 1.8481% | 587 |
| Pretax return on assets | 2.5810% | 212 |
| Return on Equity (ROE) | 19.2283% | 299 |
| Retained earnings to average equity (ytd only) | 10.5177% | 622 |
| Net charge-offs to loans | 0.2689% | 656 |
| Credit loss provision to net charge-offs | 129.0900% | 1,834 |
| Earnings coverage of net charge-offs (x) | 11.8485% | 2,410 |
| Efficiency ratio | 39.8218% | 5,134 |
| Assets per employee ($millions) | 10.6540% | 292 |
| Cash dividends to net income (ytd only)* | 45.3009% | 1,910 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5991% | 4,825 |
| Loan loss allowance to noncurrent loans | 105.8911% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,260 |
| Noncurrent loans to loans | 0.5657% | 2,600 |
| Net loans and leases to total assets | 90.3440% | 43 |
| Net loans and leases to deposits | 106.1902% | 314 |
| Net loans and leases to core deposits | 130.6184% | 286 |
| Total domestic deposits to total assets | 85.0775% | 2,397 |
| Equity capital to assets | 9.5130% | 4,439 |
| Core capital (leverage) ratio | 9.1188% | 4,543 |
| Tier 1 risk-based capital ratio | 11.7334% | 4,558 |
| Total risk-based capital ratio | 12.4614% | 4,704 |
| Memoranda: |
| Average total assets | $10,351,817,000 | 138 |
| Average earning assets | $10,048,419,250 | 130 |
| Average equity | $994,932,500 | 168 |
| Average total loans | $9,410,712,000 | 114 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1937% | 170 |
| Cost of funding earning assets | 1.5568% | 315 |
| Net interest margin | 4.6370% | 569 |
| Noninterest income to average assets | 0.6235% | 2,048 |
| Noninterest expense to average assets | 1.9733% | 4,651 |
| Loan and lease loss provision to assets | 0.4284% | 284 |
| Net operating income to assets | 1.9431% | 431 |
| Return on assets (ROA) | 1.9434% | 452 |
| Pretax return on assets | 2.7212% | 175 |
| Return on Equity (ROE) | 20.1466% | 249 |
| Retained earnings to average equity (ytd only) | 10.9783% | 545 |
| Net charge-offs to loans | 0.3982% | 421 |
| Credit loss provision to net charge-offs | 118.3432% | 1,758 |
| Earnings coverage of net charge-offs (x) | 8.6989% | 2,392 |
| Efficiency ratio | 38.0001% | 5,187 |
| Assets per employee ($millions) | 10.4934% | 306 |
| Cash dividends to net income (ytd only)* | 45.5079% | 1,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6023% | 4,871 |
| Loan loss allowance to noncurrent loans | 117.8663% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 2,438 |
| Noncurrent loans to loans | 0.5110% | 2,746 |
| Net loans and leases to total assets | 89.1487% | 77 |
| Net loans and leases to deposits | 104.5210% | 401 |
| Net loans and leases to core deposits | 127.4801% | 359 |
| Total domestic deposits to total assets | 85.2926% | 2,349 |
| Equity capital to assets | 9.5552% | 4,351 |
| Core capital (leverage) ratio | 9.2090% | 4,450 |
| Tier 1 risk-based capital ratio | 12.1406% | 4,336 |
| Total risk-based capital ratio | 12.8869% | 4,512 |
| Memoranda: |
| Average total assets | $10,176,516,330 | 141 |
| Average earning assets | $9,873,837,000 | 133 |
| Average equity | $981,644,670 | 168 |
| Average total loans | $9,252,084,670 | 116 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9172% | 72 |
| Cost of funding earning assets | 1.5772% | 245 |
| Net interest margin | 5.3399% | 164 |
| Noninterest income to average assets | 0.7584% | 1,406 |
| Noninterest expense to average assets | 2.0573% | 4,536 |
| Loan and lease loss provision to assets | 0.7614% | 133 |
| Net operating income to assets | 2.2078% | 268 |
| Return on assets (ROA) | 2.1818% | 293 |
| Pretax return on assets | 3.0807% | 119 |
| Return on Equity (ROE) | 22.5058% | 160 |
| Retained earnings to average equity (ytd only) | 10.1043% | 1,012 |
| Net charge-offs to loans | 0.0420% | 1,670 |
| Credit loss provision to net charge-offs | 1,979.1667% | 221 |
| Earnings coverage of net charge-offs (x) | 100.7240% | 663 |
| Efficiency ratio | 33.7907% | 5,296 |
| Assets per employee ($millions) | 10.0654% | 337 |
| Cash dividends to net income (ytd only)* | 55.1035% | 1,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7808% | 4,577 |
| Loan loss allowance to noncurrent loans | 161.1075% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,580 |
| Noncurrent loans to loans | 0.4846% | 2,856 |
| Net loans and leases to total assets | 89.6849% | 56 |
| Net loans and leases to deposits | 105.0870% | 357 |
| Net loans and leases to core deposits | 133.6139% | 261 |
| Total domestic deposits to total assets | 85.3435% | 2,545 |
| Equity capital to assets | 9.6370% | 4,143 |
| Core capital (leverage) ratio | 8.6763% | 4,892 |
| Tier 1 risk-based capital ratio | 12.3281% | 4,286 |
| Total risk-based capital ratio | 13.3124% | 4,319 |
| Memoranda: |
| Average total assets | $9,981,368,000 | 143 |
| Average earning assets | $9,671,141,000 | 135 |
| Average equity | $967,628,000 | 170 |
| Average total loans | $9,139,497,500 | 116 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6747% | 288 |
| Cost of funding earning assets | 1.4151% | 130 |
| Net interest margin | 4.2596% | 1,247 |
| Noninterest income to average assets | 0.6571% | 2,024 |
| Noninterest expense to average assets | 1.7929% | 5,006 |
| Loan and lease loss provision to assets | 0.2746% | 613 |
| Net operating income to assets | 1.8909% | 457 |
| Return on assets (ROA) | 1.8877% | 459 |
| Pretax return on assets | 2.7240% | 140 |
| Return on Equity (ROE) | 19.6916% | 269 |
| Retained earnings to average equity (ytd only) | 8.6475% | 997 |
| Net charge-offs to loans | 0.2149% | 895 |
| Credit loss provision to net charge-offs | 144.3836% | 1,884 |
| Earnings coverage of net charge-offs (x) | 15.7887% | 2,303 |
| Efficiency ratio | 37.1917% | 5,315 |
| Assets per employee ($millions) | 11.2218% | 247 |
| Cash dividends to net income (ytd only)* | 56.0855% | 1,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5908% | 4,985 |
| Loan loss allowance to noncurrent loans | 124.8832% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,487 |
| Noncurrent loans to loans | 0.4731% | 2,849 |
| Net loans and leases to total assets | 92.2366% | 25 |
| Net loans and leases to deposits | 107.2969% | 327 |
| Net loans and leases to core deposits | 141.8753% | 181 |
| Total domestic deposits to total assets | 85.9640% | 2,249 |
| Equity capital to assets | 9.7538% | 3,898 |
| Core capital (leverage) ratio | 9.0314% | 4,624 |
| Tier 1 risk-based capital ratio | 12.0568% | 4,393 |
| Total risk-based capital ratio | 12.7992% | 4,603 |
| Memoranda: |
| Average total assets | $9,596,308,800 | 140 |
| Average earning assets | $9,323,356,200 | 130 |
| Average equity | $919,945,000 | 170 |
| Average total loans | $8,492,801,200 | 120 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6619% | 275 |
| Cost of funding earning assets | 1.3523% | 132 |
| Net interest margin | 4.3096% | 1,095 |
| Noninterest income to average assets | 0.6926% | 1,896 |
| Noninterest expense to average assets | 1.7693% | 5,069 |
| Loan and lease loss provision to assets | 0.2989% | 493 |
| Net operating income to assets | 1.9300% | 448 |
| Return on assets (ROA) | 1.9257% | 455 |
| Pretax return on assets | 2.8108% | 142 |
| Return on Equity (ROE) | 20.1786% | 263 |
| Retained earnings to average equity (ytd only) | 9.7000% | 1,001 |
| Net charge-offs to loans | 0.2698% | 615 |
| Credit loss provision to net charge-offs | 126.7322% | 1,929 |
| Earnings coverage of net charge-offs (x) | 13.2085% | 2,386 |
| Efficiency ratio | 36.2141% | 5,386 |
| Assets per employee ($millions) | 12.0779% | 192 |
| Cash dividends to net income (ytd only)* | 51.9292% | 1,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5734% | 5,082 |
| Loan loss allowance to noncurrent loans | 160.8731% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 3,032 |
| Noncurrent loans to loans | 0.3564% | 3,374 |
| Net loans and leases to total assets | 88.9517% | 110 |
| Net loans and leases to deposits | 140.6372% | 23 |
| Net loans and leases to core deposits | 191.5523% | 42 |
| Total domestic deposits to total assets | 63.2491% | 5,361 |
| Equity capital to assets | 9.6418% | 3,958 |
| Core capital (leverage) ratio | 9.4064% | 4,270 |
| Tier 1 risk-based capital ratio | 12.6857% | 4,083 |
| Total risk-based capital ratio | 13.4146% | 4,300 |
| Memoranda: |
| Average total assets | $9,546,217,500 | 141 |
| Average earning assets | $9,285,453,750 | 131 |
| Average equity | $911,043,250 | 169 |
| Average total loans | $8,343,544,250 | 120 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8101% | 199 |
| Cost of funding earning assets | 1.2643% | 144 |
| Net interest margin | 4.5458% | 631 |
| Noninterest income to average assets | 0.7591% | 1,615 |
| Noninterest expense to average assets | 1.7267% | 5,166 |
| Loan and lease loss provision to assets | 0.4392% | 265 |
| Net operating income to assets | 2.0345% | 355 |
| Return on assets (ROA) | 2.0303% | 354 |
| Pretax return on assets | 3.0217% | 110 |
| Return on Equity (ROE) | 21.3496% | 188 |
| Retained earnings to average equity (ytd only) | 6.5610% | 2,276 |
| Net charge-offs to loans | 0.4203% | 369 |
| Credit loss provision to net charge-offs | 120.5448% | 1,794 |
| Earnings coverage of net charge-offs (x) | 9.5132% | 2,386 |
| Efficiency ratio | 33.2441% | 5,475 |
| Assets per employee ($millions) | 11.8991% | 195 |
| Cash dividends to net income (ytd only)* | 69.2689% | 1,005 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5769% | 5,146 |
| Loan loss allowance to noncurrent loans | 157.4041% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 3,018 |
| Noncurrent loans to loans | 0.3665% | 3,380 |
| Net loans and leases to total assets | 88.8667% | 111 |
| Net loans and leases to deposits | 104.6531% | 498 |
| Net loans and leases to core deposits | 143.3879% | 167 |
| Total domestic deposits to total assets | 84.9155% | 2,705 |
| Equity capital to assets | 9.4968% | 4,107 |
| Core capital (leverage) ratio | 8.8756% | 4,815 |
| Tier 1 risk-based capital ratio | 12.5322% | 4,164 |
| Total risk-based capital ratio | 13.2697% | 4,357 |
| Memoranda: |
| Average total assets | $9,471,289,000 | 139 |
| Average earning assets | $9,238,037,670 | 129 |
| Average equity | $900,692,000 | 169 |
| Average total loans | $8,210,860,330 | 119 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3853% | 82 |
| Cost of funding earning assets | 1.1867% | 148 |
| Net interest margin | 5.1986% | 160 |
| Noninterest income to average assets | 0.9042% | 1,142 |
| Noninterest expense to average assets | 1.7125% | 5,232 |
| Loan and lease loss provision to assets | 0.7160% | 135 |
| Net operating income to assets | 2.3337% | 196 |
| Return on assets (ROA) | 2.3252% | 198 |
| Pretax return on assets | 3.5459% | 73 |
| Return on Equity (ROE) | 24.4338% | 92 |
| Retained earnings to average equity (ytd only) | 23.7215% | 59 |
| Net charge-offs to loans | 0.0224% | 2,054 |
| Credit loss provision to net charge-offs | 3,738.9381% | 106 |
| Earnings coverage of net charge-offs (x) | 223.1173% | 297 |
| Efficiency ratio | 28.6126% | 5,568 |
| Assets per employee ($millions) | 13.7568% | 133 |
| Cash dividends to net income (ytd only)* | 2.9153% | 2,717 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7603% | 4,890 |
| Loan loss allowance to noncurrent loans | 201.2976% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 3,278 |
| Noncurrent loans to loans | 0.3777% | 3,431 |
| Net loans and leases to total assets | 81.2112% | 758 |
| Net loans and leases to deposits | 101.1278% | 633 |
| Net loans and leases to core deposits | 127.4249% | 386 |
| Total domestic deposits to total assets | 80.3055% | 4,362 |
| Equity capital to assets | 9.2680% | 4,302 |
| Core capital (leverage) ratio | 9.3995% | 4,192 |
| Tier 1 risk-based capital ratio | 14.9747% | 2,875 |
| Total risk-based capital ratio | 15.9814% | 2,934 |
| Memoranda: |
| Average total assets | $9,441,351,000 | 139 |
| Average earning assets | $9,227,690,000 | 129 |
| Average equity | $898,458,500 | 170 |
| Average total loans | $8,056,699,500 | 121 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1048% | 527 |
| Cost of funding earning assets | 0.9796% | 241 |
| Net interest margin | 4.1252% | 1,361 |
| Noninterest income to average assets | 0.6581% | 2,145 |
| Noninterest expense to average assets | 1.5346% | 5,453 |
| Loan and lease loss provision to assets | 0.1175% | 1,936 |
| Net operating income to assets | 1.7554% | 473 |
| Return on assets (ROA) | 1.7599% | 475 |
| Pretax return on assets | 3.0413% | 97 |
| Return on Equity (ROE) | 18.8025% | 254 |
| Retained earnings to average equity (ytd only) | 18.0044% | 53 |
| Net charge-offs to loans | 0.0728% | 2,405 |
| Credit loss provision to net charge-offs | 186.8871% | 1,457 |
| Earnings coverage of net charge-offs (x) | 50.1486% | 1,082 |
| Efficiency ratio | 32.7115% | 5,615 |
| Assets per employee ($millions) | 12.5302% | 159 |
| Cash dividends to net income (ytd only)* | 4.2448% | 4,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5735% | 5,289 |
| Loan loss allowance to noncurrent loans | 152.1620% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 3,137 |
| Noncurrent loans to loans | 0.3769% | 3,406 |
| Net loans and leases to total assets | 88.7415% | 107 |
| Net loans and leases to deposits | 106.1774% | 394 |
| Net loans and leases to core deposits | 131.1668% | 316 |
| Total domestic deposits to total assets | 83.5785% | 3,364 |
| Equity capital to assets | 9.7941% | 3,923 |
| Core capital (leverage) ratio | 10.2610% | 3,113 |
| Tier 1 risk-based capital ratio | 14.4789% | 3,100 |
| Total risk-based capital ratio | 15.2304% | 3,278 |
| Memoranda: |
| Average total assets | $8,566,976,000 | 146 |
| Average earning assets | $8,365,257,000 | 136 |
| Average equity | $801,866,000 | 172 |
| Average total loans | $7,393,515,400 | 123 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0968% | 505 |
| Cost of funding earning assets | 0.9515% | 255 |
| Net interest margin | 4.1453% | 1,286 |
| Noninterest income to average assets | 0.6559% | 2,179 |
| Noninterest expense to average assets | 1.5024% | 5,517 |
| Loan and lease loss provision to assets | 0.0953% | 2,195 |
| Net operating income to assets | 1.7962% | 471 |
| Return on assets (ROA) | 1.8044% | 476 |
| Pretax return on assets | 3.1181% | 105 |
| Return on Equity (ROE) | 19.5159% | 248 |
| Retained earnings to average equity (ytd only) | 18.6998% | 63 |
| Net charge-offs to loans | 0.0899% | 1,901 |
| Credit loss provision to net charge-offs | 123.9419% | 1,958 |
| Earnings coverage of net charge-offs (x) | 41.6273% | 1,261 |
| Efficiency ratio | 31.9216% | 5,684 |
| Assets per employee ($millions) | 12.1096% | 178 |
| Cash dividends to net income (ytd only)* | 4.1817% | 3,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5551% | 5,401 |
| Loan loss allowance to noncurrent loans | 131.1128% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,469 |
| Noncurrent loans to loans | 0.4234% | 3,431 |
| Net loans and leases to total assets | 87.9677% | 157 |
| Net loans and leases to deposits | 103.9172% | 504 |
| Net loans and leases to core deposits | 124.2504% | 456 |
| Total domestic deposits to total assets | 84.6517% | 2,860 |
| Equity capital to assets | 9.7668% | 4,178 |
| Core capital (leverage) ratio | 9.9530% | 3,626 |
| Tier 1 risk-based capital ratio | 14.6985% | 3,069 |
| Total risk-based capital ratio | 15.4393% | 3,261 |
| Memoranda: |
| Average total assets | $8,481,471,500 | 149 |
| Average earning assets | $8,280,512,000 | 137 |
| Average equity | $784,194,500 | 174 |
| Average total loans | $7,253,999,250 | 124 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1002% | 471 |
| Cost of funding earning assets | 0.8960% | 314 |
| Net interest margin | 4.2041% | 1,068 |
| Noninterest income to average assets | 0.7367% | 1,827 |
| Noninterest expense to average assets | 1.4734% | 5,587 |
| Loan and lease loss provision to assets | 0.1198% | 1,719 |
| Net operating income to assets | 1.8731% | 392 |
| Return on assets (ROA) | 1.8854% | 393 |
| Pretax return on assets | 3.2652% | 101 |
| Return on Equity (ROE) | 20.7880% | 187 |
| Retained earnings to average equity (ytd only) | 19.9530% | 60 |
| Net charge-offs to loans | 0.1444% | 1,286 |
| Credit loss provision to net charge-offs | 98.1388% | 2,053 |
| Earnings coverage of net charge-offs (x) | 27.5715% | 1,536 |
| Efficiency ratio | 30.4374% | 5,739 |
| Assets per employee ($millions) | 12.4763% | 154 |
| Cash dividends to net income (ytd only)* | 4.0167% | 3,487 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5488% | 5,459 |
| Loan loss allowance to noncurrent loans | 143.7797% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 3,722 |
| Noncurrent loans to loans | 0.3817% | 3,652 |
| Net loans and leases to total assets | 87.0943% | 196 |
| Net loans and leases to deposits | 106.0023% | 398 |
| Net loans and leases to core deposits | 126.6045% | 374 |
| Total domestic deposits to total assets | 82.1627% | 3,846 |
| Equity capital to assets | 9.4723% | 4,428 |
| Core capital (leverage) ratio | 9.6043% | 4,018 |
| Tier 1 risk-based capital ratio | 14.2480% | 3,290 |
| Total risk-based capital ratio | 14.9736% | 3,492 |
| Memoranda: |
| Average total assets | $8,450,770,330 | 150 |
| Average earning assets | $8,246,259,670 | 137 |
| Average equity | $766,471,000 | 176 |
| Average total loans | $7,143,975,000 | 124 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3509% | 298 |
| Cost of funding earning assets | 0.8601% | 358 |
| Net interest margin | 4.4908% | 529 |
| Noninterest income to average assets | 0.9621% | 1,074 |
| Noninterest expense to average assets | 1.4508% | 5,660 |
| Loan and lease loss provision to assets | 0.2308% | 673 |
| Net operating income to assets | 2.0993% | 261 |
| Return on assets (ROA) | 2.0976% | 268 |
| Pretax return on assets | 3.6560% | 94 |
| Return on Equity (ROE) | 23.6567% | 111 |
| Retained earnings to average equity (ytd only) | 22.8003% | 67 |
| Net charge-offs to loans | -0.0113% | 4,480 |
| Credit loss provision to net charge-offs | -2,468.0203% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.1677% | 5,813 |
| Assets per employee ($millions) | 13.5207% | 119 |
| Cash dividends to net income (ytd only)* | 3.6202% | 2,793 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6487% | 5,405 |
| Loan loss allowance to noncurrent loans | 138.0701% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 3,626 |
| Noncurrent loans to loans | 0.4698% | 3,410 |
| Net loans and leases to total assets | 81.0112% | 692 |
| Net loans and leases to deposits | 102.3512% | 482 |
| Net loans and leases to core deposits | 118.4931% | 505 |
| Total domestic deposits to total assets | 79.1502% | 4,795 |
| Equity capital to assets | 8.8486% | 4,955 |
| Core capital (leverage) ratio | 9.1073% | 4,608 |
| Tier 1 risk-based capital ratio | 14.0435% | 3,447 |
| Total risk-based capital ratio | 14.8840% | 3,604 |
| Memoranda: |
| Average total assets | $8,427,962,000 | 148 |
| Average earning assets | $8,216,401,500 | 136 |
| Average equity | $747,305,000 | 179 |
| Average total loans | $6,995,611,000 | 125 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8865% | 760 |
| Cost of funding earning assets | 0.8814% | 328 |
| Net interest margin | 4.0052% | 1,619 |
| Noninterest income to average assets | 0.8320% | 1,643 |
| Noninterest expense to average assets | 1.4877% | 5,726 |
| Loan and lease loss provision to assets | 0.1304% | 1,909 |
| Net operating income to assets | 1.7959% | 450 |
| Return on assets (ROA) | 1.8061% | 464 |
| Pretax return on assets | 3.1081% | 103 |
| Return on Equity (ROE) | 20.8376% | 187 |
| Retained earnings to average equity (ytd only) | 20.1081% | 45 |
| Net charge-offs to loans | 0.0633% | 2,793 |
| Credit loss provision to net charge-offs | 244.8677% | 1,184 |
| Earnings coverage of net charge-offs (x) | 60.5103% | 883 |
| Efficiency ratio | 31.5841% | 5,862 |
| Assets per employee ($millions) | 12.9352% | 135 |
| Cash dividends to net income (ytd only)* | 3.5008% | 4,153 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5930% | 5,548 |
| Loan loss allowance to noncurrent loans | 118.4088% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,525 |
| Noncurrent loans to loans | 0.5008% | 3,364 |
| Net loans and leases to total assets | 84.0633% | 381 |
| Net loans and leases to deposits | 102.5574% | 496 |
| Net loans and leases to core deposits | 121.9904% | 430 |
| Total domestic deposits to total assets | 81.9671% | 4,085 |
| Equity capital to assets | 8.8865% | 4,927 |
| Core capital (leverage) ratio | 9.3621% | 4,268 |
| Tier 1 risk-based capital ratio | 14.0824% | 3,418 |
| Total risk-based capital ratio | 14.8766% | 3,595 |
| Memoranda: |
| Average total assets | $7,591,479,200 | 152 |
| Average earning assets | $7,350,973,600 | 142 |
| Average equity | $658,003,200 | 184 |
| Average total loans | $6,386,106,000 | 128 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8776% | 761 |
| Cost of funding earning assets | 0.8814% | 318 |
| Net interest margin | 3.9962% | 1,666 |
| Noninterest income to average assets | 0.8685% | 1,517 |
| Noninterest expense to average assets | 1.5056% | 5,751 |
| Loan and lease loss provision to assets | 0.1038% | 2,188 |
| Net operating income to assets | 1.8148% | 470 |
| Return on assets (ROA) | 1.8255% | 486 |
| Pretax return on assets | 3.1396% | 110 |
| Return on Equity (ROE) | 21.2083% | 187 |
| Retained earnings to average equity (ytd only) | 20.5429% | 52 |
| Net charge-offs to loans | 0.0698% | 2,319 |
| Credit loss provision to net charge-offs | 177.0992% | 1,578 |
| Earnings coverage of net charge-offs (x) | 55.0421% | 1,012 |
| Efficiency ratio | 31.8159% | 5,927 |
| Assets per employee ($millions) | 12.5368% | 145 |
| Cash dividends to net income (ytd only)* | 3.1376% | 3,723 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5663% | 5,647 |
| Loan loss allowance to noncurrent loans | 89.5164% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 3,250 |
| Noncurrent loans to loans | 0.6326% | 3,117 |
| Net loans and leases to total assets | 84.1111% | 403 |
| Net loans and leases to deposits | 103.1255% | 495 |
| Net loans and leases to core deposits | 116.5678% | 635 |
| Total domestic deposits to total assets | 81.5619% | 4,089 |
| Equity capital to assets | 8.8546% | 5,279 |
| Core capital (leverage) ratio | 9.1995% | 4,587 |
| Tier 1 risk-based capital ratio | 14.0111% | 3,554 |
| Total risk-based capital ratio | 14.7723% | 3,754 |
| Memoranda: |
| Average total assets | $7,448,824,750 | 153 |
| Average earning assets | $7,201,858,500 | 143 |
| Average equity | $641,172,250 | 186 |
| Average total loans | $6,257,067,500 | 129 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9330% | 670 |
| Cost of funding earning assets | 0.8690% | 339 |
| Net interest margin | 4.0641% | 1,464 |
| Noninterest income to average assets | 1.0020% | 1,112 |
| Noninterest expense to average assets | 1.5073% | 5,831 |
| Loan and lease loss provision to assets | 0.1066% | 2,078 |
| Net operating income to assets | 1.9258% | 382 |
| Return on assets (ROA) | 1.9270% | 399 |
| Pretax return on assets | 3.3122% | 103 |
| Return on Equity (ROE) | 22.6188% | 139 |
| Retained earnings to average equity (ytd only) | 22.1054% | 44 |
| Net charge-offs to loans | 0.1026% | 1,804 |
| Credit loss provision to net charge-offs | 124.0064% | 1,815 |
| Earnings coverage of net charge-offs (x) | 39.7418% | 1,167 |
| Efficiency ratio | 30.6096% | 6,010 |
| Assets per employee ($millions) | 11.7366% | 168 |
| Cash dividends to net income (ytd only)* | 2.2699% | 3,593 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5559% | 5,741 |
| Loan loss allowance to noncurrent loans | 112.4553% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 3,818 |
| Noncurrent loans to loans | 0.4943% | 3,598 |
| Net loans and leases to total assets | 84.4008% | 389 |
| Net loans and leases to deposits | 104.6984% | 429 |
| Net loans and leases to core deposits | 121.2811% | 483 |
| Total domestic deposits to total assets | 80.6132% | 4,387 |
| Equity capital to assets | 8.6536% | 5,510 |
| Core capital (leverage) ratio | 8.7807% | 5,083 |
| Tier 1 risk-based capital ratio | 13.9953% | 3,608 |
| Total risk-based capital ratio | 14.7524% | 3,812 |
| Memoranda: |
| Average total assets | $7,315,751,670 | 158 |
| Average earning assets | $7,060,443,670 | 145 |
| Average equity | $623,259,000 | 188 |
| Average total loans | $6,129,865,330 | 130 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9598% | 624 |
| Cost of funding earning assets | 0.8328% | 417 |
| Net interest margin | 4.1270% | 1,273 |
| Noninterest income to average assets | 1.2052% | 752 |
| Noninterest expense to average assets | 1.4303% | 5,948 |
| Loan and lease loss provision to assets | 0.1115% | 1,871 |
| Net operating income to assets | 2.1325% | 263 |
| Return on assets (ROA) | 2.1316% | 275 |
| Pretax return on assets | 3.6502% | 88 |
| Return on Equity (ROE) | 25.2312% | 96 |
| Retained earnings to average equity (ytd only) | 25.2312% | 45 |
| Net charge-offs to loans | 0.0094% | 2,813 |
| Credit loss provision to net charge-offs | 1,428.5714% | 293 |
| Earnings coverage of net charge-offs (x) | 482.2500% | 115 |
| Efficiency ratio | 27.5411% | 6,080 |
| Assets per employee ($millions) | 13.3396% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5981% | 5,747 |
| Loan loss allowance to noncurrent loans | 154.0653% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 4,313 |
| Noncurrent loans to loans | 0.3882% | 4,048 |
| Net loans and leases to total assets | 79.7375% | 856 |
| Net loans and leases to deposits | 100.1867% | 615 |
| Net loans and leases to core deposits | 115.0655% | 627 |
| Total domestic deposits to total assets | 79.5888% | 4,839 |
| Equity capital to assets | 8.1273% | 5,773 |
| Core capital (leverage) ratio | 8.6174% | 5,276 |
| Tier 1 risk-based capital ratio | 13.8254% | 3,795 |
| Total risk-based capital ratio | 14.6335% | 3,969 |
| Memoranda: |
| Average total assets | $7,176,836,000 | 162 |
| Average earning assets | $6,935,074,000 | 148 |
| Average equity | $606,329,000 | 190 |
| Average total loans | $5,972,363,500 | 132 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0114% | 615 |
| Cost of funding earning assets | 0.8655% | 344 |
| Net interest margin | 4.1459% | 1,291 |
| Noninterest income to average assets | 0.6325% | 2,552 |
| Noninterest expense to average assets | 1.3813% | 6,041 |
| Loan and lease loss provision to assets | 0.1970% | 1,099 |
| Net operating income to assets | 1.7875% | 495 |
| Return on assets (ROA) | 1.7830% | 511 |
| Pretax return on assets | 3.0568% | 116 |
| Return on Equity (ROE) | 20.2696% | 239 |
| Retained earnings to average equity (ytd only) | 19.7676% | 65 |
| Net charge-offs to loans | -0.0056% | 4,995 |
| Credit loss provision to net charge-offs | -4,084.5070% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7556% | 6,139 |
| Assets per employee ($millions) | 12.4658% | 134 |
| Cash dividends to net income (ytd only)* | 2.4767% | 4,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6078% | 5,787 |
| Loan loss allowance to noncurrent loans | 132.4534% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 3,981 |
| Noncurrent loans to loans | 0.4589% | 3,831 |
| Net loans and leases to total assets | 86.1591% | 217 |
| Net loans and leases to deposits | 109.7354% | 247 |
| Net loans and leases to core deposits | 140.6355% | 156 |
| Total domestic deposits to total assets | 78.5153% | 5,061 |
| Equity capital to assets | 8.8198% | 5,288 |
| Core capital (leverage) ratio | 9.3429% | 4,406 |
| Tier 1 risk-based capital ratio | 14.3550% | 3,519 |
| Total risk-based capital ratio | 15.2029% | 3,667 |
| Memoranda: |
| Average total assets | $5,887,575,000 | 173 |
| Average earning assets | $5,694,211,400 | 163 |
| Average equity | $517,908,000 | 201 |
| Average total loans | $5,085,287,800 | 147 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0429% | 567 |
| Cost of funding earning assets | 0.8993% | 292 |
| Net interest margin | 4.1436% | 1,294 |
| Noninterest income to average assets | 0.5521% | 3,039 |
| Noninterest expense to average assets | 1.3380% | 6,133 |
| Loan and lease loss provision to assets | 0.1920% | 1,055 |
| Net operating income to assets | 1.7732% | 550 |
| Return on assets (ROA) | 1.7585% | 586 |
| Pretax return on assets | 3.0069% | 119 |
| Return on Equity (ROE) | 20.0056% | 270 |
| Retained earnings to average equity (ytd only) | 19.4862% | 70 |
| Net charge-offs to loans | 0.0084% | 3,874 |
| Credit loss provision to net charge-offs | 2,653.7217% | 136 |
| Earnings coverage of net charge-offs (x) | 445.3945% | 165 |
| Efficiency ratio | 29.3427% | 6,225 |
| Assets per employee ($millions) | 12.4256% | 140 |
| Cash dividends to net income (ytd only)* | 2.5961% | 3,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5795% | 5,925 |
| Loan loss allowance to noncurrent loans | 102.3751% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 3,828 |
| Noncurrent loans to loans | 0.5661% | 3,642 |
| Net loans and leases to total assets | 85.3046% | 272 |
| Net loans and leases to deposits | 111.4891% | 222 |
| Net loans and leases to core deposits | 132.1518% | 251 |
| Total domestic deposits to total assets | 76.5138% | 5,412 |
| Equity capital to assets | 8.7721% | 5,513 |
| Core capital (leverage) ratio | 9.2576% | 4,651 |
| Tier 1 risk-based capital ratio | 14.9394% | 3,322 |
| Total risk-based capital ratio | 15.7740% | 3,476 |
| Memoranda: |
| Average total assets | $5,695,281,750 | 180 |
| Average earning assets | $5,508,651,750 | 166 |
| Average equity | $500,607,750 | 211 |
| Average total loans | $4,913,994,000 | 152 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0374% | 563 |
| Cost of funding earning assets | 0.9214% | 259 |
| Net interest margin | 4.1160% | 1,314 |
| Noninterest income to average assets | 0.5641% | 2,947 |
| Noninterest expense to average assets | 1.3407% | 6,203 |
| Loan and lease loss provision to assets | 0.2105% | 922 |
| Net operating income to assets | 1.7634% | 550 |
| Return on assets (ROA) | 1.7433% | 606 |
| Pretax return on assets | 2.9800% | 137 |
| Return on Equity (ROE) | 19.8179% | 280 |
| Retained earnings to average equity (ytd only) | 19.2815% | 80 |
| Net charge-offs to loans | 0.0277% | 3,113 |
| Credit loss provision to net charge-offs | 878.7879% | 399 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 473 |
| Efficiency ratio | 29.3840% | 6,302 |
| Assets per employee ($millions) | 12.4568% | 135 |
| Cash dividends to net income (ytd only)* | 2.7066% | 3,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5598% | 6,032 |
| Loan loss allowance to noncurrent loans | 91.8694% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 3,774 |
| Noncurrent loans to loans | 0.6093% | 3,647 |
| Net loans and leases to total assets | 86.4986% | 209 |
| Net loans and leases to deposits | 112.4536% | 213 |
| Net loans and leases to core deposits | 132.4244% | 237 |
| Total domestic deposits to total assets | 76.9194% | 5,466 |
| Equity capital to assets | 8.8305% | 5,401 |
| Core capital (leverage) ratio | 9.2478% | 4,622 |
| Tier 1 risk-based capital ratio | 14.5849% | 3,588 |
| Total risk-based capital ratio | 15.3750% | 3,780 |
| Memoranda: |
| Average total assets | $5,510,356,330 | 185 |
| Average earning assets | $5,353,065,000 | 170 |
| Average equity | $484,722,670 | 219 |
| Average total loans | $4,764,438,000 | 156 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9412% | 633 |
| Cost of funding earning assets | 0.9388% | 237 |
| Net interest margin | 4.0023% | 1,545 |
| Noninterest income to average assets | 0.5679% | 2,849 |
| Noninterest expense to average assets | 1.3606% | 6,256 |
| Loan and lease loss provision to assets | 0.2165% | 818 |
| Net operating income to assets | 1.6985% | 588 |
| Return on assets (ROA) | 1.6648% | 672 |
| Pretax return on assets | 2.8283% | 151 |
| Return on Equity (ROE) | 18.9650% | 326 |
| Retained earnings to average equity (ytd only) | 18.4121% | 134 |
| Net charge-offs to loans | 0.0548% | 2,226 |
| Credit loss provision to net charge-offs | 458.8608% | 586 |
| Earnings coverage of net charge-offs (x) | 65.6377% | 678 |
| Efficiency ratio | 30.5201% | 6,365 |
| Assets per employee ($millions) | 12.6104% | 130 |
| Cash dividends to net income (ytd only)* | 2.9155% | 2,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5331% | 6,144 |
| Loan loss allowance to noncurrent loans | 75.5476% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 3,557 |
| Noncurrent loans to loans | 0.7056% | 3,508 |
| Net loans and leases to total assets | 85.9931% | 191 |
| Net loans and leases to deposits | 108.4503% | 246 |
| Net loans and leases to core deposits | 129.7789% | 248 |
| Total domestic deposits to total assets | 79.2927% | 5,215 |
| Equity capital to assets | 8.8604% | 5,433 |
| Core capital (leverage) ratio | 9.3219% | 4,536 |
| Tier 1 risk-based capital ratio | 14.7507% | 3,575 |
| Total risk-based capital ratio | 15.5050% | 3,775 |
| Memoranda: |
| Average total assets | $5,356,874,000 | 183 |
| Average earning assets | $5,206,853,000 | 171 |
| Average equity | $470,233,500 | 223 |
| Average total loans | $4,616,544,000 | 159 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0318% | 720 |
| Cost of funding earning assets | 0.9400% | 311 |
| Net interest margin | 4.0918% | 1,604 |
| Noninterest income to average assets | 0.4483% | 3,840 |
| Noninterest expense to average assets | 1.3735% | 6,370 |
| Loan and lease loss provision to assets | 0.2120% | 1,178 |
| Net operating income to assets | 1.6752% | 606 |
| Return on assets (ROA) | 1.6421% | 678 |
| Pretax return on assets | 2.7923% | 137 |
| Return on Equity (ROE) | 18.9982% | 316 |
| Retained earnings to average equity (ytd only) | 18.4812% | 79 |
| Net charge-offs to loans | 0.0346% | 4,142 |
| Credit loss provision to net charge-offs | 732.3832% | 369 |
| Earnings coverage of net charge-offs (x) | 105.5914% | 495 |
| Efficiency ratio | 31.0088% | 6,461 |
| Assets per employee ($millions) | 12.0707% | 139 |
| Cash dividends to net income (ytd only)* | 2.7211% | 4,281 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5201% | 6,233 |
| Loan loss allowance to noncurrent loans | 66.4498% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 3,518 |
| Noncurrent loans to loans | 0.7827% | 3,345 |
| Net loans and leases to total assets | 85.4414% | 248 |
| Net loans and leases to deposits | 110.6346% | 221 |
| Net loans and leases to core deposits | 132.6805% | 218 |
| Total domestic deposits to total assets | 77.2284% | 5,566 |
| Equity capital to assets | 8.6905% | 5,582 |
| Core capital (leverage) ratio | 8.8403% | 5,199 |
| Tier 1 risk-based capital ratio | 14.9541% | 3,513 |
| Total risk-based capital ratio | 15.7076% | 3,739 |
| Memoranda: |
| Average total assets | $4,364,037,200 | 208 |
| Average earning assets | $4,246,045,600 | 195 |
| Average equity | $377,199,600 | 247 |
| Average total loans | $3,655,344,800 | 177 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0396% | 719 |
| Cost of funding earning assets | 0.9551% | 300 |
| Net interest margin | 4.0844% | 1,626 |
| Noninterest income to average assets | 0.4774% | 3,706 |
| Noninterest expense to average assets | 1.3796% | 6,421 |
| Loan and lease loss provision to assets | 0.2036% | 1,154 |
| Net operating income to assets | 1.6924% | 626 |
| Return on assets (ROA) | 1.6397% | 710 |
| Pretax return on assets | 2.7867% | 141 |
| Return on Equity (ROE) | 19.0035% | 346 |
| Retained earnings to average equity (ytd only) | 18.5204% | 98 |
| Net charge-offs to loans | 0.0407% | 3,691 |
| Credit loss provision to net charge-offs | 601.8957% | 493 |
| Earnings coverage of net charge-offs (x) | 90.8162% | 634 |
| Efficiency ratio | 30.9868% | 6,536 |
| Assets per employee ($millions) | 12.2658% | 135 |
| Cash dividends to net income (ytd only)* | 2.5425% | 3,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5035% | 6,334 |
| Loan loss allowance to noncurrent loans | 82.4848% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 4,334 |
| Noncurrent loans to loans | 0.6104% | 4,097 |
| Net loans and leases to total assets | 84.0139% | 338 |
| Net loans and leases to deposits | 124.0984% | 72 |
| Net loans and leases to core deposits | 143.4561% | 134 |
| Total domestic deposits to total assets | 67.6994% | 6,360 |
| Equity capital to assets | 8.5681% | 5,748 |
| Core capital (leverage) ratio | 8.7150% | 5,418 |
| Tier 1 risk-based capital ratio | 14.7471% | 3,736 |
| Total risk-based capital ratio | 15.4645% | 4,001 |
| Memoranda: |
| Average total assets | $4,157,448,500 | 210 |
| Average earning assets | $4,045,922,000 | 198 |
| Average equity | $358,731,250 | 253 |
| Average total loans | $3,454,699,000 | 182 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0461% | 690 |
| Cost of funding earning assets | 0.9960% | 259 |
| Net interest margin | 4.0501% | 1,662 |
| Noninterest income to average assets | 0.5031% | 3,463 |
| Noninterest expense to average assets | 1.3872% | 6,483 |
| Loan and lease loss provision to assets | 0.1956% | 1,249 |
| Net operating income to assets | 1.6847% | 592 |
| Return on assets (ROA) | 1.6407% | 682 |
| Pretax return on assets | 2.7951% | 143 |
| Return on Equity (ROE) | 18.9599% | 366 |
| Retained earnings to average equity (ytd only) | 18.1967% | 119 |
| Net charge-offs to loans | 0.0417% | 3,395 |
| Credit loss provision to net charge-offs | 568.6854% | 531 |
| Earnings coverage of net charge-offs (x) | 88.9483% | 605 |
| Efficiency ratio | 31.1967% | 6,600 |
| Assets per employee ($millions) | 12.0183% | 137 |
| Cash dividends to net income (ytd only)* | 4.0258% | 3,572 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4984% | 6,412 |
| Loan loss allowance to noncurrent loans | 91.1224% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 4,625 |
| Noncurrent loans to loans | 0.5469% | 4,372 |
| Net loans and leases to total assets | 83.3925% | 346 |
| Net loans and leases to deposits | 120.4820% | 84 |
| Net loans and leases to core deposits | 140.5898% | 138 |
| Total domestic deposits to total assets | 69.2157% | 6,384 |
| Equity capital to assets | 8.4587% | 5,834 |
| Core capital (leverage) ratio | 8.6604% | 5,458 |
| Tier 1 risk-based capital ratio | 14.4153% | 3,982 |
| Total risk-based capital ratio | 15.1078% | 4,300 |
| Memoranda: |
| Average total assets | $3,936,443,330 | 216 |
| Average earning assets | $3,832,953,330 | 204 |
| Average equity | $340,634,000 | 260 |
| Average total loans | $3,249,480,000 | 188 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0853% | 612 |
| Cost of funding earning assets | 1.0503% | 208 |
| Net interest margin | 4.0350% | 1,645 |
| Noninterest income to average assets | 0.5678% | 2,932 |
| Noninterest expense to average assets | 1.4065% | 6,556 |
| Loan and lease loss provision to assets | 0.1727% | 1,400 |
| Net operating income to assets | 1.7128% | 561 |
| Return on assets (ROA) | 1.6632% | 628 |
| Pretax return on assets | 2.8399% | 159 |
| Return on Equity (ROE) | 18.9675% | 368 |
| Retained earnings to average equity (ytd only) | 18.1673% | 175 |
| Net charge-offs to loans | 0.1065% | 2,119 |
| Credit loss provision to net charge-offs | 198.2652% | 1,059 |
| Earnings coverage of net charge-offs (x) | 35.4696% | 947 |
| Efficiency ratio | 31.2799% | 6,666 |
| Assets per employee ($millions) | 11.3468% | 162 |
| Cash dividends to net income (ytd only)* | 4.2189% | 2,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5026% | 6,504 |
| Loan loss allowance to noncurrent loans | 84.0587% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 4,654 |
| Noncurrent loans to loans | 0.5979% | 4,366 |
| Net loans and leases to total assets | 82.3080% | 335 |
| Net loans and leases to deposits | 111.6108% | 122 |
| Net loans and leases to core deposits | 132.7027% | 170 |
| Total domestic deposits to total assets | 73.7455% | 6,262 |
| Equity capital to assets | 8.8163% | 5,313 |
| Core capital (leverage) ratio | 9.0674% | 4,911 |
| Tier 1 risk-based capital ratio | 15.0950% | 3,659 |
| Total risk-based capital ratio | 15.7838% | 3,941 |
| Memoranda: |
| Average total assets | $3,705,319,000 | 223 |
| Average earning assets | $3,607,716,000 | 209 |
| Average equity | $324,914,000 | 263 |
| Average total loans | $3,030,944,500 | 192 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0463% | 837 |
| Cost of funding earning assets | 1.0963% | 294 |
| Net interest margin | 3.9500% | 2,104 |
| Noninterest income to average assets | 0.7775% | 2,176 |
| Noninterest expense to average assets | 1.7041% | 6,440 |
| Loan and lease loss provision to assets | 0.1443% | 2,500 |
| Net operating income to assets | 1.6375% | 639 |
| Return on assets (ROA) | 1.5823% | 737 |
| Pretax return on assets | 2.6604% | 166 |
| Return on Equity (ROE) | 18.8169% | 354 |
| Retained earnings to average equity (ytd only) | 18.0815% | 106 |
| Net charge-offs to loans | 0.0324% | 4,786 |
| Credit loss provision to net charge-offs | 569.4618% | 414 |
| Earnings coverage of net charge-offs (x) | 114.0926% | 415 |
| Efficiency ratio | 37.0855% | 6,722 |
| Assets per employee ($millions) | 11.0342% | 172 |
| Cash dividends to net income (ytd only)* | 3.9081% | 4,205 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5278% | 6,551 |
| Loan loss allowance to noncurrent loans | 93.3489% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,772 |
| Noncurrent loans to loans | 0.5654% | 4,579 |
| Net loans and leases to total assets | 80.3762% | 558 |
| Net loans and leases to deposits | 119.0522% | 74 |
| Net loans and leases to core deposits | 149.0249% | 101 |
| Total domestic deposits to total assets | 67.5134% | 6,599 |
| Equity capital to assets | 8.7177% | 5,347 |
| Core capital (leverage) ratio | 9.0050% | 4,998 |
| Tier 1 risk-based capital ratio | 15.0259% | 3,648 |
| Total risk-based capital ratio | 15.7336% | 3,903 |
| Memoranda: |
| Average total assets | $3,153,361,000 | 242 |
| Average earning assets | $3,047,539,800 | 225 |
| Average equity | $265,165,600 | 305 |
| Average total loans | $2,463,062,600 | 209 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0320% | 878 |
| Cost of funding earning assets | 1.1346% | 259 |
| Net interest margin | 3.8974% | 2,283 |
| Noninterest income to average assets | 0.8519% | 1,926 |
| Noninterest expense to average assets | 1.7365% | 6,433 |
| Loan and lease loss provision to assets | 0.1552% | 2,325 |
| Net operating income to assets | 1.6201% | 721 |
| Return on assets (ROA) | 1.5684% | 846 |
| Pretax return on assets | 2.6384% | 204 |
| Return on Equity (ROE) | 18.8541% | 380 |
| Retained earnings to average equity (ytd only) | 18.1711% | 101 |
| Net charge-offs to loans | 0.0256% | 4,615 |
| Credit loss provision to net charge-offs | 783.6645% | 372 |
| Earnings coverage of net charge-offs (x) | 145.1800% | 380 |
| Efficiency ratio | 37.6620% | 6,785 |
| Assets per employee ($millions) | 10.2557% | 218 |
| Cash dividends to net income (ytd only)* | 3.6225% | 3,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5776% | 6,592 |
| Loan loss allowance to noncurrent loans | 92.9754% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 4,795 |
| Noncurrent loans to loans | 0.6212% | 4,651 |
| Net loans and leases to total assets | 76.2958% | 970 |
| Net loans and leases to deposits | 113.3864% | 117 |
| Net loans and leases to core deposits | 145.7708% | 104 |
| Total domestic deposits to total assets | 67.2884% | 6,679 |
| Equity capital to assets | 8.2312% | 5,976 |
| Core capital (leverage) ratio | 8.4995% | 5,773 |
| Tier 1 risk-based capital ratio | 14.6501% | 3,983 |
| Total risk-based capital ratio | 15.4101% | 4,261 |
| Memoranda: |
| Average total assets | $3,050,687,000 | 246 |
| Average earning assets | $2,942,310,500 | 229 |
| Average equity | $253,781,250 | 314 |
| Average total loans | $2,358,864,750 | 214 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1450% | 702 |
| Cost of funding earning assets | 1.1754% | 233 |
| Net interest margin | 3.9696% | 1,967 |
| Noninterest income to average assets | 0.8922% | 1,838 |
| Noninterest expense to average assets | 1.7858% | 6,397 |
| Loan and lease loss provision to assets | 0.2051% | 1,844 |
| Net operating income to assets | 1.6074% | 736 |
| Return on assets (ROA) | 1.5436% | 896 |
| Pretax return on assets | 2.6252% | 237 |
| Return on Equity (ROE) | 18.4834% | 426 |
| Retained earnings to average equity (ytd only) | 17.9599% | 127 |
| Net charge-offs to loans | 0.0275% | 4,313 |
| Credit loss provision to net charge-offs | 962.1451% | 322 |
| Earnings coverage of net charge-offs (x) | 137.4259% | 360 |
| Efficiency ratio | 37.8687% | 6,826 |
| Assets per employee ($millions) | 9.9963% | 222 |
| Cash dividends to net income (ytd only)* | 2.8322% | 3,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6040% | 6,612 |
| Loan loss allowance to noncurrent loans | 77.4846% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 4,595 |
| Noncurrent loans to loans | 0.7795% | 4,354 |
| Net loans and leases to total assets | 75.5578% | 1,035 |
| Net loans and leases to deposits | 110.5925% | 135 |
| Net loans and leases to core deposits | 144.9453% | 111 |
| Total domestic deposits to total assets | 68.3209% | 6,708 |
| Equity capital to assets | 8.3289% | 5,941 |
| Core capital (leverage) ratio | 8.6292% | 5,523 |
| Tier 1 risk-based capital ratio | 14.5165% | 4,088 |
| Total risk-based capital ratio | 15.2844% | 4,357 |
| Memoranda: |
| Average total assets | $2,973,645,000 | 252 |
| Average earning assets | $2,864,294,670 | 232 |
| Average equity | $248,330,670 | 317 |
| Average total loans | $2,305,675,330 | 218 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0501% | 822 |
| Cost of funding earning assets | 1.1938% | 236 |
| Net interest margin | 3.8563% | 2,258 |
| Noninterest income to average assets | 0.8044% | 2,107 |
| Noninterest expense to average assets | 1.7282% | 6,525 |
| Loan and lease loss provision to assets | 0.2126% | 1,743 |
| Net operating income to assets | 1.5307% | 798 |
| Return on assets (ROA) | 1.5206% | 901 |
| Pretax return on assets | 2.5712% | 241 |
| Return on Equity (ROE) | 18.1825% | 424 |
| Retained earnings to average equity (ytd only) | 18.1825% | 194 |
| Net charge-offs to loans | 0.1248% | 2,674 |
| Credit loss provision to net charge-offs | 217.3913% | 1,024 |
| Earnings coverage of net charge-offs (x) | 28.6255% | 981 |
| Efficiency ratio | 38.1684% | 6,902 |
| Assets per employee ($millions) | 10.1006% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5330% | 6,765 |
| Loan loss allowance to noncurrent loans | 64.2861% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 4,602 |
| Noncurrent loans to loans | 0.8292% | 4,466 |
| Net loans and leases to total assets | 77.4720% | 669 |
| Net loans and leases to deposits | 108.1563% | 155 |
| Net loans and leases to core deposits | 140.4086% | 125 |
| Total domestic deposits to total assets | 71.6296% | 6,675 |
| Equity capital to assets | 8.4276% | 6,076 |
| Core capital (leverage) ratio | 8.6438% | 5,399 |
| Tier 1 risk-based capital ratio | 14.1025% | 4,429 |
| Total risk-based capital ratio | 14.7771% | 4,805 |
| Memoranda: |
| Average total assets | $2,916,035,500 | 259 |
| Average earning assets | $2,815,631,500 | 242 |
| Average equity | $243,861,500 | 329 |
| Average total loans | $2,284,483,000 | 223 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2892% | 943 |
| Cost of funding earning assets | 1.4402% | 215 |
| Net interest margin | 3.8490% | 3,028 |
| Noninterest income to average assets | 0.8837% | 1,921 |
| Noninterest expense to average assets | 1.5772% | 6,823 |
| Loan and lease loss provision to assets | 0.3474% | 1,925 |
| Net operating income to assets | 1.5938% | 766 |
| Return on assets (ROA) | 1.5114% | 990 |
| Pretax return on assets | 2.5486% | 242 |
| Return on Equity (ROE) | 18.3170% | 419 |
| Retained earnings to average equity (ytd only) | 17.3624% | 85 |
| Net charge-offs to loans | 0.2789% | 3,268 |
| Credit loss provision to net charge-offs | 163.1569% | 1,650 |
| Earnings coverage of net charge-offs (x) | 14.2060% | 1,753 |
| Efficiency ratio | 34.2737% | 7,000 |
| Assets per employee ($millions) | 10.1505% | 224 |
| Cash dividends to net income (ytd only)* | 5.2113% | 4,194 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5057% | 6,835 |
| Loan loss allowance to noncurrent loans | 54.9192% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 4,520 |
| Noncurrent loans to loans | 0.9208% | 4,345 |
| Net loans and leases to total assets | 78.4122% | 624 |
| Net loans and leases to deposits | 113.8649% | 115 |
| Net loans and leases to core deposits | 150.1738% | 104 |
| Total domestic deposits to total assets | 68.8643% | 6,828 |
| Equity capital to assets | 8.2960% | 6,203 |
| Core capital (leverage) ratio | 8.5198% | 5,582 |
| Tier 1 risk-based capital ratio | 13.9486% | 4,407 |
| Total risk-based capital ratio | 14.5983% | 4,815 |
| Memoranda: |
| Average total assets | $2,475,717,800 | 294 |
| Average earning assets | $2,391,506,400 | 273 |
| Average equity | $204,286,000 | 369 |
| Average total loans | $1,889,824,800 | 259 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3360% | 947 |
| Cost of funding earning assets | 1.4957% | 206 |
| Net interest margin | 3.8403% | 3,159 |
| Noninterest income to average assets | 0.8872% | 1,878 |
| Noninterest expense to average assets | 1.5385% | 6,920 |
| Loan and lease loss provision to assets | 0.3731% | 1,731 |
| Net operating income to assets | 1.6000% | 845 |
| Return on assets (ROA) | 1.5151% | 1,104 |
| Pretax return on assets | 2.5518% | 267 |
| Return on Equity (ROE) | 18.3910% | 456 |
| Retained earnings to average equity (ytd only) | 17.0630% | 150 |
| Net charge-offs to loans | 0.3414% | 2,747 |
| Credit loss provision to net charge-offs | 144.5967% | 1,978 |
| Earnings coverage of net charge-offs (x) | 11.8500% | 2,049 |
| Efficiency ratio | 33.4749% | 7,099 |
| Assets per employee ($millions) | 10.0228% | 234 |
| Cash dividends to net income (ytd only)* | 7.2209% | 3,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4973% | 6,955 |
| Loan loss allowance to noncurrent loans | 48.4749% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 4,660 |
| Noncurrent loans to loans | 1.0259% | 4,400 |
| Net loans and leases to total assets | 77.7908% | 759 |
| Net loans and leases to deposits | 109.1855% | 173 |
| Net loans and leases to core deposits | 143.1547% | 129 |
| Total domestic deposits to total assets | 71.2465% | 6,779 |
| Equity capital to assets | 7.9776% | 6,607 |
| Core capital (leverage) ratio | 8.1987% | 6,143 |
| Tier 1 risk-based capital ratio | 12.8343% | 5,383 |
| Total risk-based capital ratio | 13.4403% | 5,804 |
| Memoranda: |
| Average total assets | $2,376,500,500 | 304 |
| Average earning assets | $2,295,201,500 | 283 |
| Average equity | $195,779,750 | 379 |
| Average total loans | $1,796,303,750 | 263 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4425% | 810 |
| Cost of funding earning assets | 1.5648% | 180 |
| Net interest margin | 3.8778% | 3,008 |
| Noninterest income to average assets | 0.7702% | 2,332 |
| Noninterest expense to average assets | 1.4765% | 7,019 |
| Loan and lease loss provision to assets | 0.3570% | 1,850 |
| Net operating income to assets | 1.5993% | 836 |
| Return on assets (ROA) | 1.5162% | 1,085 |
| Pretax return on assets | 2.5546% | 279 |
| Return on Equity (ROE) | 18.1860% | 485 |
| Retained earnings to average equity (ytd only) | 16.8282% | 191 |
| Net charge-offs to loans | 0.3016% | 2,821 |
| Credit loss provision to net charge-offs | 158.6687% | 1,755 |
| Earnings coverage of net charge-offs (x) | 13.5163% | 1,789 |
| Efficiency ratio | 32.6806% | 7,155 |
| Assets per employee ($millions) | 10.3714% | 210 |
| Cash dividends to net income (ytd only)* | 7.4665% | 3,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5326% | 7,000 |
| Loan loss allowance to noncurrent loans | 56.2752% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 4,952 |
| Noncurrent loans to loans | 0.9464% | 4,616 |
| Net loans and leases to total assets | 75.4462% | 1,042 |
| Net loans and leases to deposits | 110.5808% | 136 |
| Net loans and leases to core deposits | 149.2874% | 111 |
| Total domestic deposits to total assets | 68.2273% | 6,989 |
| Equity capital to assets | 8.4276% | 6,280 |
| Core capital (leverage) ratio | 8.6387% | 5,463 |
| Tier 1 risk-based capital ratio | 13.6856% | 4,682 |
| Total risk-based capital ratio | 14.3243% | 5,113 |
| Memoranda: |
| Average total assets | $2,296,683,330 | 313 |
| Average earning assets | $2,219,635,330 | 293 |
| Average equity | $191,476,670 | 384 |
| Average total loans | $1,713,358,000 | 272 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4331% | 866 |
| Cost of funding earning assets | 1.6480% | 151 |
| Net interest margin | 3.7851% | 3,461 |
| Noninterest income to average assets | 0.8541% | 1,930 |
| Noninterest expense to average assets | 1.4739% | 7,074 |
| Loan and lease loss provision to assets | 0.3552% | 1,771 |
| Net operating income to assets | 1.6104% | 848 |
| Return on assets (ROA) | 1.4728% | 1,200 |
| Pretax return on assets | 2.4746% | 344 |
| Return on Equity (ROE) | 17.7677% | 570 |
| Retained earnings to average equity (ytd only) | 16.3751% | 344 |
| Net charge-offs to loans | 0.4239% | 2,036 |
| Credit loss provision to net charge-offs | 113.3144% | 2,085 |
| Earnings coverage of net charge-offs (x) | 9.7139% | 1,815 |
| Efficiency ratio | 32.6167% | 7,215 |
| Assets per employee ($millions) | 10.9058% | 188 |
| Cash dividends to net income (ytd only)* | 7.8379% | 2,605 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4933% | 7,070 |
| Loan loss allowance to noncurrent loans | 45.7382% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 4,866 |
| Noncurrent loans to loans | 1.0786% | 4,540 |
| Net loans and leases to total assets | 73.9390% | 1,078 |
| Net loans and leases to deposits | 105.7135% | 212 |
| Net loans and leases to core deposits | 132.2736% | 183 |
| Total domestic deposits to total assets | 69.9428% | 6,980 |
| Equity capital to assets | 8.3937% | 6,186 |
| Core capital (leverage) ratio | 8.4226% | 5,711 |
| Tier 1 risk-based capital ratio | 13.4976% | 4,829 |
| Total risk-based capital ratio | 14.0850% | 5,311 |
| Memoranda: |
| Average total assets | $2,252,309,500 | 316 |
| Average earning assets | $2,180,641,000 | 293 |
| Average equity | $186,698,000 | 387 |
| Average total loans | $1,665,360,000 | 276 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6746% | 823 |
| Cost of funding earning assets | 1.9603% | 114 |
| Net interest margin | 3.7143% | 4,237 |
| Noninterest income to average assets | 0.5417% | 3,570 |
| Noninterest expense to average assets | 1.5163% | 7,159 |
| Loan and lease loss provision to assets | 0.3363% | 3,005 |
| Net operating income to assets | 1.3588% | 1,119 |
| Return on assets (ROA) | 1.3297% | 1,267 |
| Pretax return on assets | 2.2236% | 350 |
| Return on Equity (ROE) | 16.4545% | 545 |
| Retained earnings to average equity (ytd only) | 15.2066% | 120 |
| Net charge-offs to loans | 0.3644% | 3,581 |
| Credit loss provision to net charge-offs | 134.3388% | 2,245 |
| Earnings coverage of net charge-offs (x) | 10.4087% | 1,839 |
| Efficiency ratio | 36.7889% | 7,244 |
| Assets per employee ($millions) | 11.1266% | 175 |
| Cash dividends to net income (ytd only)* | 7.5837% | 3,923 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4942% | 7,110 |
| Loan loss allowance to noncurrent loans | 55.5098% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 5,186 |
| Noncurrent loans to loans | 0.8902% | 4,908 |
| Net loans and leases to total assets | 73.2022% | 1,407 |
| Net loans and leases to deposits | 103.2264% | 333 |
| Net loans and leases to core deposits | 131.1539% | 226 |
| Total domestic deposits to total assets | 70.9143% | 6,939 |
| Equity capital to assets | 8.1822% | 6,449 |
| Core capital (leverage) ratio | 8.2696% | 5,894 |
| Tier 1 risk-based capital ratio | 13.1886% | 4,924 |
| Total risk-based capital ratio | 13.7674% | 5,422 |
| Memoranda: |
| Average total assets | $1,933,674,000 | 359 |
| Average earning assets | $1,863,705,400 | 336 |
| Average equity | $156,267,600 | 451 |
| Average total loans | $1,328,262,200 | 330 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7341% | 797 |
| Cost of funding earning assets | 2.0122% | 116 |
| Net interest margin | 3.7219% | 4,242 |
| Noninterest income to average assets | 0.4907% | 3,940 |
| Noninterest expense to average assets | 1.5206% | 7,216 |
| Loan and lease loss provision to assets | 0.3360% | 2,866 |
| Net operating income to assets | 1.3348% | 1,295 |
| Return on assets (ROA) | 1.3269% | 1,400 |
| Pretax return on assets | 2.2048% | 421 |
| Return on Equity (ROE) | 16.4804% | 613 |
| Retained earnings to average equity (ytd only) | 15.3234% | 209 |
| Net charge-offs to loans | 0.3572% | 3,304 |
| Credit loss provision to net charge-offs | 139.8866% | 2,283 |
| Earnings coverage of net charge-offs (x) | 10.6301% | 1,898 |
| Efficiency ratio | 37.3272% | 7,298 |
| Assets per employee ($millions) | 11.1061% | 181 |
| Cash dividends to net income (ytd only)* | 7.0202% | 3,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5334% | 7,146 |
| Loan loss allowance to noncurrent loans | 54.7668% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 5,006 |
| Noncurrent loans to loans | 0.9740% | 4,942 |
| Net loans and leases to total assets | 71.1358% | 1,876 |
| Net loans and leases to deposits | 99.2178% | 504 |
| Net loans and leases to core deposits | 126.2646% | 287 |
| Total domestic deposits to total assets | 71.6965% | 6,953 |
| Equity capital to assets | 8.0581% | 6,657 |
| Core capital (leverage) ratio | 8.0847% | 6,303 |
| Tier 1 risk-based capital ratio | 12.8910% | 5,176 |
| Total risk-based capital ratio | 13.4990% | 5,690 |
| Memoranda: |
| Average total assets | $1,860,763,250 | 368 |
| Average earning assets | $1,791,364,000 | 347 |
| Average equity | $149,814,750 | 474 |
| Average total loans | $1,251,059,750 | 345 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7486% | 797 |
| Cost of funding earning assets | 2.0428% | 125 |
| Net interest margin | 3.7058% | 4,233 |
| Noninterest income to average assets | 0.2729% | 5,690 |
| Noninterest expense to average assets | 1.4855% | 7,320 |
| Loan and lease loss provision to assets | 0.2612% | 3,310 |
| Net operating income to assets | 1.2545% | 1,431 |
| Return on assets (ROA) | 1.2805% | 1,434 |
| Pretax return on assets | 2.1275% | 465 |
| Return on Equity (ROE) | 15.9097% | 683 |
| Retained earnings to average equity (ytd only) | 15.0030% | 251 |
| Net charge-offs to loans | 0.3068% | 3,343 |
| Credit loss provision to net charge-offs | 129.8716% | 2,348 |
| Earnings coverage of net charge-offs (x) | 11.6767% | 1,692 |
| Efficiency ratio | 38.7506% | 7,354 |
| Assets per employee ($millions) | 11.2273% | 178 |
| Cash dividends to net income (ytd only)* | 5.6993% | 3,218 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5484% | 7,198 |
| Loan loss allowance to noncurrent loans | 58.4772% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 4,789 |
| Noncurrent loans to loans | 0.9379% | 5,096 |
| Net loans and leases to total assets | 69.2648% | 2,363 |
| Net loans and leases to deposits | 99.9044% | 499 |
| Net loans and leases to core deposits | 127.5253% | 296 |
| Total domestic deposits to total assets | 69.3311% | 7,142 |
| Equity capital to assets | 7.9475% | 6,715 |
| Core capital (leverage) ratio | 7.9903% | 6,310 |
| Tier 1 risk-based capital ratio | 12.4122% | 5,429 |
| Total risk-based capital ratio | 13.0051% | 5,970 |
| Memoranda: |
| Average total assets | $1,781,332,670 | 382 |
| Average earning assets | $1,711,511,670 | 360 |
| Average equity | $143,371,670 | 500 |
| Average total loans | $1,167,684,000 | 374 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8386% | 687 |
| Cost of funding earning assets | 2.1057% | 125 |
| Net interest margin | 3.7329% | 3,933 |
| Noninterest income to average assets | 0.0421% | 7,171 |
| Noninterest expense to average assets | 1.4539% | 7,392 |
| Loan and lease loss provision to assets | 0.2705% | 2,988 |
| Net operating income to assets | 1.1572% | 1,635 |
| Return on assets (ROA) | 1.2156% | 1,540 |
| Pretax return on assets | 1.9915% | 568 |
| Return on Equity (ROE) | 14.9962% | 820 |
| Retained earnings to average equity (ytd only) | 13.1105% | 570 |
| Net charge-offs to loans | 0.4249% | 2,421 |
| Credit loss provision to net charge-offs | 100.7005% | 2,622 |
| Earnings coverage of net charge-offs (x) | 8.0823% | 1,864 |
| Efficiency ratio | 40.1116% | 7,386 |
| Assets per employee ($millions) | 10.2294% | 226 |
| Cash dividends to net income (ytd only)* | 12.5750% | 2,334 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6131% | 7,188 |
| Loan loss allowance to noncurrent loans | 62.4219% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 4,836 |
| Noncurrent loans to loans | 0.9822% | 5,079 |
| Net loans and leases to total assets | 64.2440% | 3,395 |
| Net loans and leases to deposits | 87.3599% | 1,540 |
| Net loans and leases to core deposits | 106.6104% | 910 |
| Total domestic deposits to total assets | 73.5394% | 6,947 |
| Equity capital to assets | 8.0723% | 6,420 |
| Core capital (leverage) ratio | 8.1078% | 6,117 |
| Tier 1 risk-based capital ratio | 12.9748% | 4,845 |
| Total risk-based capital ratio | 13.6086% | 5,381 |
| Memoranda: |
| Average total assets | $1,700,834,000 | 398 |
| Average earning assets | $1,632,303,000 | 377 |
| Average equity | $137,874,500 | 506 |
| Average total loans | $1,075,141,000 | 410 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0644% | 750 |
| Cost of funding earning assets | 2.3789% | 161 |
| Net interest margin | 3.6855% | 4,415 |
| Noninterest income to average assets | 0.1829% | 6,448 |
| Noninterest expense to average assets | 1.1725% | 7,551 |
| Loan and lease loss provision to assets | 0.3645% | 3,929 |
| Net operating income to assets | 1.3028% | 1,165 |
| Return on assets (ROA) | 1.2618% | 1,331 |
| Pretax return on assets | 2.1120% | 382 |
| Return on Equity (ROE) | 14.6013% | 774 |
| Retained earnings to average equity (ytd only) | 14.0912% | 160 |
| Net charge-offs to loans | 0.4753% | 3,717 |
| Credit loss provision to net charge-offs | 136.4213% | 2,813 |
| Earnings coverage of net charge-offs (x) | 9.5084% | 1,814 |
| Efficiency ratio | 31.5757% | 7,579 |
| Assets per employee ($millions) | 11.8762% | 162 |
| Cash dividends to net income (ytd only)* | 3.4937% | 3,899 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6708% | 7,173 |
| Loan loss allowance to noncurrent loans | 33.0962% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 4,177 |
| Noncurrent loans to loans | 2.0269% | 3,525 |
| Net loans and leases to total assets | 61.3053% | 4,439 |
| Net loans and leases to deposits | 90.2392% | 1,491 |
| Net loans and leases to core deposits | 109.7225% | 933 |
| Total domestic deposits to total assets | 67.9364% | 7,325 |
| Equity capital to assets | 8.1418% | 6,330 |
| Core capital (leverage) ratio | 8.1002% | 6,016 |
| Tier 1 risk-based capital ratio | 13.1823% | 4,463 |
| Total risk-based capital ratio | 13.8567% | 4,916 |
| Memoranda: |
| Average total assets | $1,474,496,400 | 459 |
| Average earning assets | $1,412,397,400 | 438 |
| Average equity | $127,420,000 | 534 |
| Average total loans | $828,936,800 | 535 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2163% | 599 |
| Cost of funding earning assets | 2.4559% | 169 |
| Net interest margin | 3.7603% | 4,136 |
| Noninterest income to average assets | 0.0985% | 7,054 |
| Noninterest expense to average assets | 1.1265% | 7,677 |
| Loan and lease loss provision to assets | 0.3526% | 3,792 |
| Net operating income to assets | 1.3253% | 1,293 |
| Return on assets (ROA) | 1.2957% | 1,420 |
| Pretax return on assets | 2.1730% | 433 |
| Return on Equity (ROE) | 14.7455% | 904 |
| Retained earnings to average equity (ytd only) | 14.0545% | 270 |
| Net charge-offs to loans | 0.4785% | 3,362 |
| Credit loss provision to net charge-offs | 134.9178% | 2,989 |
| Earnings coverage of net charge-offs (x) | 9.8410% | 1,956 |
| Efficiency ratio | 30.4584% | 7,681 |
| Assets per employee ($millions) | 12.9751% | 139 |
| Cash dividends to net income (ytd only)* | 4.6857% | 3,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7132% | 7,176 |
| Loan loss allowance to noncurrent loans | 39.6912% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 4,657 |
| Noncurrent loans to loans | 1.7969% | 3,951 |
| Net loans and leases to total assets | 58.9268% | 5,114 |
| Net loans and leases to deposits | 89.1518% | 1,843 |
| Net loans and leases to core deposits | 107.6445% | 1,190 |
| Total domestic deposits to total assets | 66.0971% | 7,465 |
| Equity capital to assets | 8.6422% | 6,114 |
| Core capital (leverage) ratio | 8.5655% | 5,396 |
| Tier 1 risk-based capital ratio | 13.8844% | 3,927 |
| Total risk-based capital ratio | 14.5716% | 4,302 |
| Memoranda: |
| Average total assets | $1,427,452,000 | 468 |
| Average earning assets | $1,366,508,500 | 447 |
| Average equity | $125,432,000 | 535 |
| Average total loans | $779,623,250 | 555 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2410% | 577 |
| Cost of funding earning assets | 2.5103% | 169 |
| Net interest margin | 3.7307% | 4,229 |
| Noninterest income to average assets | -0.0850% | 7,619 |
| Noninterest expense to average assets | 1.0571% | 7,762 |
| Loan and lease loss provision to assets | 0.3113% | 3,885 |
| Net operating income to assets | 1.2546% | 1,419 |
| Return on assets (ROA) | 1.2486% | 1,491 |
| Pretax return on assets | 2.1083% | 482 |
| Return on Equity (ROE) | 14.1251% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.0726% | 373 |
| Net charge-offs to loans | 0.4684% | 3,134 |
| Credit loss provision to net charge-offs | 125.6499% | 3,213 |
| Earnings coverage of net charge-offs (x) | 9.8030% | 1,972 |
| Efficiency ratio | 30.3236% | 7,748 |
| Assets per employee ($millions) | 15.8319% | 88 |
| Cash dividends to net income (ytd only)* | 7.4516% | 3,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7495% | 7,151 |
| Loan loss allowance to noncurrent loans | 45.5374% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 4,981 |
| Noncurrent loans to loans | 1.6458% | 4,240 |
| Net loans and leases to total assets | 54.7695% | 5,874 |
| Net loans and leases to deposits | 79.6889% | 3,656 |
| Net loans and leases to core deposits | 92.3976% | 2,928 |
| Total domestic deposits to total assets | 68.7292% | 7,399 |
| Equity capital to assets | 9.0220% | 5,412 |
| Core capital (leverage) ratio | 8.7907% | 4,930 |
| Tier 1 risk-based capital ratio | 14.5643% | 3,405 |
| Total risk-based capital ratio | 15.2526% | 3,695 |
| Memoranda: |
| Average total assets | $1,397,239,670 | 477 |
| Average earning assets | $1,337,448,330 | 455 |
| Average equity | $123,510,670 | 540 |
| Average total loans | $739,168,670 | 590 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3475% | 490 |
| Cost of funding earning assets | 2.5829% | 174 |
| Net interest margin | 3.7646% | 3,939 |
| Noninterest income to average assets | -0.1587% | 7,784 |
| Noninterest expense to average assets | 1.0079% | 7,874 |
| Loan and lease loss provision to assets | 0.3614% | 3,203 |
| Net operating income to assets | 1.2147% | 1,497 |
| Return on assets (ROA) | 1.2147% | 1,572 |
| Pretax return on assets | 2.0809% | 522 |
| Return on Equity (ROE) | 13.8888% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.8888% | 523 |
| Net charge-offs to loans | 0.6087% | 2,295 |
| Credit loss provision to net charge-offs | 114.7842% | 3,032 |
| Earnings coverage of net charge-offs (x) | 7.7567% | 2,043 |
| Efficiency ratio | 29.2131% | 7,854 |
| Assets per employee ($millions) | 18.6024% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7372% | 7,277 |
| Loan loss allowance to noncurrent loans | 40.8089% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 4,838 |
| Noncurrent loans to loans | 1.8063% | 4,043 |
| Net loans and leases to total assets | 53.4330% | 6,099 |
| Net loans and leases to deposits | 77.7765% | 4,089 |
| Net loans and leases to core deposits | 83.9671% | 4,203 |
| Total domestic deposits to total assets | 68.7006% | 7,486 |
| Equity capital to assets | 8.9584% | 5,337 |
| Core capital (leverage) ratio | 8.4273% | 5,505 |
| Tier 1 risk-based capital ratio | 17.2593% | 2,170 |
| Total risk-based capital ratio | 18.0804% | 2,284 |
| Memoranda: |
| Average total assets | $1,383,425,500 | 498 |
| Average earning assets | $1,326,252,000 | 471 |
| Average equity | $120,990,000 | 557 |
| Average total loans | $715,610,000 | 636 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6368% | 525 |
| Cost of funding earning assets | 3.0094% | 220 |
| Net interest margin | 3.6274% | 4,447 |
| Noninterest income to average assets | -0.0722% | 7,781 |
| Noninterest expense to average assets | 1.0723% | 7,938 |
| Loan and lease loss provision to assets | 0.5184% | 3,779 |
| Net operating income to assets | 1.1673% | 1,338 |
| Return on assets (ROA) | 1.3955% | 915 |
| Pretax return on assets | 2.1670% | 298 |
| Return on Equity (ROE) | 18.3662% | 339 |
| Retained earnings to average equity (ytd only) | 16.3805% | 71 |
| Net charge-offs to loans | 0.7277% | 3,012 |
| Credit loss provision to net charge-offs | 144.8649% | 3,291 |
| Earnings coverage of net charge-offs (x) | 6.5081% | 2,350 |
| Efficiency ratio | 31.5271% | 7,926 |
| Assets per employee ($millions) | 21.1416% | 75 |
| Cash dividends to net income (ytd only)* | 10.8117% | 3,864 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8131% | 7,091 |
| Loan loss allowance to noncurrent loans | 58.2469% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 4,868 |
| Noncurrent loans to loans | 1.3959% | 4,590 |
| Net loans and leases to total assets | 49.1279% | 6,715 |
| Net loans and leases to deposits | 75.5708% | 4,813 |
| Net loans and leases to core deposits | 94.6034% | 4,612 |
| Total domestic deposits to total assets | 65.0091% | 7,674 |
| Equity capital to assets | 8.5234% | 5,843 |
| Core capital (leverage) ratio | 7.9067% | 6,319 |
| Tier 1 risk-based capital ratio | 16.1791% | 2,441 |
| Total risk-based capital ratio | 17.0131% | 2,551 |
| Memoranda: |
| Average total assets | $1,292,454,000 | 523 |
| Average earning assets | $1,237,586,600 | 495 |
| Average equity | $98,202,200 | 672 |
| Average total loans | $635,572,400 | 737 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5973% | 618 |
| Cost of funding earning assets | 3.0944% | 248 |
| Net interest margin | 3.5029% | 4,853 |
| Noninterest income to average assets | -0.1154% | 7,939 |
| Noninterest expense to average assets | 1.0333% | 8,028 |
| Loan and lease loss provision to assets | 0.5324% | 3,253 |
| Net operating income to assets | 1.0998% | 1,734 |
| Return on assets (ROA) | 1.3769% | 1,134 |
| Pretax return on assets | 2.0935% | 450 |
| Return on Equity (ROE) | 18.7259% | 382 |
| Retained earnings to average equity (ytd only) | 15.9577% | 131 |
| Net charge-offs to loans | 0.6814% | 2,651 |
| Credit loss provision to net charge-offs | 159.1760% | 2,982 |
| Earnings coverage of net charge-offs (x) | 6.5958% | 2,573 |
| Efficiency ratio | 31.8993% | 7,998 |
| Assets per employee ($millions) | 21.8478% | 70 |
| Cash dividends to net income (ytd only)* | 14.7828% | 3,388 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8728% | 6,872 |
| Loan loss allowance to noncurrent loans | 67.3482% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 5,275 |
| Noncurrent loans to loans | 1.2960% | 4,777 |
| Net loans and leases to total assets | 44.9088% | 7,180 |
| Net loans and leases to deposits | 78.2289% | 4,709 |
| Net loans and leases to core deposits | 92.9161% | 5,144 |
| Total domestic deposits to total assets | 57.4069% | 7,912 |
| Equity capital to assets | 7.8336% | 7,005 |
| Core capital (leverage) ratio | 7.2045% | 7,264 |
| Tier 1 risk-based capital ratio | 15.5070% | 2,825 |
| Total risk-based capital ratio | 16.3684% | 2,929 |
| Memoranda: |
| Average total assets | $1,277,301,250 | 541 |
| Average earning assets | $1,223,253,000 | 513 |
| Average equity | $93,921,000 | 696 |
| Average total loans | $626,920,000 | 763 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4619% | 895 |
| Cost of funding earning assets | 3.1896% | 271 |
| Net interest margin | 3.2723% | 5,652 |
| Noninterest income to average assets | -0.2254% | 8,072 |
| Noninterest expense to average assets | 1.0867% | 8,111 |
| Loan and lease loss provision to assets | 0.4925% | 3,073 |
| Net operating income to assets | 0.8692% | 2,576 |
| Return on assets (ROA) | 1.2847% | 1,354 |
| Pretax return on assets | 1.9669% | 604 |
| Return on Equity (ROE) | 17.8838% | 503 |
| Retained earnings to average equity (ytd only) | 15.0086% | 206 |
| Net charge-offs to loans | 0.5420% | 2,702 |
| Credit loss provision to net charge-offs | 180.2326% | 2,535 |
| Earnings coverage of net charge-offs (x) | 6.6610% | 2,578 |
| Efficiency ratio | 37.3832% | 8,052 |
| Assets per employee ($millions) | 22.9876% | 69 |
| Cash dividends to net income (ytd only)* | 16.0772% | 3,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7626% | 7,266 |
| Loan loss allowance to noncurrent loans | 62.9252% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 5,002 |
| Noncurrent loans to loans | 1.2119% | 4,793 |
| Net loans and leases to total assets | 47.2148% | 7,103 |
| Net loans and leases to deposits | 95.2458% | 1,912 |
| Net loans and leases to core deposits | 119.8531% | 2,387 |
| Total domestic deposits to total assets | 49.5715% | 8,061 |
| Equity capital to assets | 7.6142% | 7,165 |
| Core capital (leverage) ratio | 6.9835% | 7,551 |
| Tier 1 risk-based capital ratio | 14.8620% | 3,082 |
| Total risk-based capital ratio | 15.6435% | 3,244 |
| Memoranda: |
| Average total assets | $1,258,830,000 | 558 |
| Average earning assets | $1,205,036,670 | 532 |
| Average equity | $90,428,000 | 725 |
| Average total loans | $634,634,670 | 770 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2797% | 1,360 |
| Cost of funding earning assets | 3.3959% | 204 |
| Net interest margin | 2.8838% | 6,791 |
| Noninterest income to average assets | -0.0720% | 8,121 |
| Noninterest expense to average assets | 0.9663% | 8,177 |
| Loan and lease loss provision to assets | 0.3893% | 2,994 |
| Net operating income to assets | 0.8059% | 3,105 |
| Return on assets (ROA) | 0.9063% | 2,826 |
| Pretax return on assets | 1.4873% | 1,706 |
| Return on Equity (ROE) | 13.0320% | 1,380 |
| Retained earnings to average equity (ytd only) | 10.0002% | 1,199 |
| Net charge-offs to loans | 0.3861% | 2,556 |
| Credit loss provision to net charge-offs | 194.1748% | 2,274 |
| Earnings coverage of net charge-offs (x) | 8.5777% | 2,173 |
| Efficiency ratio | 35.9783% | 8,109 |
| Assets per employee ($millions) | 24.4560% | 69 |
| Cash dividends to net income (ytd only)* | 23.2641% | 2,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6252% | 7,618 |
| Loan loss allowance to noncurrent loans | 120.2432% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 5,390 |
| Noncurrent loans to loans | 0.5200% | 6,127 |
| Net loans and leases to total assets | 50.4125% | 6,824 |
| Net loans and leases to deposits | 90.4641% | 2,859 |
| Net loans and leases to core deposits | 113.4904% | 3,056 |
| Total domestic deposits to total assets | 55.7266% | 8,047 |
| Equity capital to assets | 7.0139% | 7,674 |
| Core capital (leverage) ratio | 6.8864% | 7,705 |
| Tier 1 risk-based capital ratio | 14.5014% | 3,310 |
| Total risk-based capital ratio | 15.1702% | 3,559 |
| Memoranda: |
| Average total assets | $1,233,098,000 | 573 |
| Average earning assets | $1,179,287,500 | 543 |
| Average equity | $85,758,000 | 772 |
| Average total loans | $640,248,500 | 773 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6554% | 2,220 |
| Cost of funding earning assets | 4.0563% | 82 |
| Net interest margin | 2.5991% | 7,645 |
| Noninterest income to average assets | -0.0068% | 8,158 |
| Noninterest expense to average assets | 0.8343% | 8,226 |
| Loan and lease loss provision to assets | 0.3128% | 3,868 |
| Net operating income to assets | 0.9339% | 2,858 |
| Return on assets (ROA) | 0.4791% | 4,650 |
| Pretax return on assets | 0.6954% | 4,411 |
| Return on Equity (ROE) | 6.7097% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.0822% | 2,590 |
| Net charge-offs to loans | 0.2833% | 3,513 |
| Credit loss provision to net charge-offs | 209.1545% | 2,310 |
| Earnings coverage of net charge-offs (x) | 11.1487% | 2,404 |
| Efficiency ratio | 33.3473% | 8,214 |
| Assets per employee ($millions) | 23.9008% | 63 |
| Cash dividends to net income (ytd only)* | 39.1589% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5209% | 7,817 |
| Loan loss allowance to noncurrent loans | 62.0791% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 5,025 |
| Noncurrent loans to loans | 0.8390% | 4,954 |
| Net loans and leases to total assets | 52.8651% | 6,763 |
| Net loans and leases to deposits | 101.6601% | 1,616 |
| Net loans and leases to core deposits | 136.6122% | 1,458 |
| Total domestic deposits to total assets | 52.0018% | 8,110 |
| Equity capital to assets | 6.8941% | 7,783 |
| Core capital (leverage) ratio | 6.8632% | 7,789 |
| Tier 1 risk-based capital ratio | 14.4024% | 3,336 |
| Total risk-based capital ratio | 14.9835% | 3,598 |
| Memoranda: |
| Average total assets | $1,146,629,200 | 582 |
| Average earning assets | $1,106,673,800 | 556 |
| Average equity | $81,867,000 | 814 |
| Average total loans | $605,386,000 | 791 |
