| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5260% | 1,126 |
| Cost of funding earning assets | 1.7557% | 1,337 |
| Net interest margin | 3.7703% | 1,609 |
| Noninterest income to average assets | 1.4500% | 401 |
| Noninterest expense to average assets | 2.6016% | 1,994 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.7496% | 663 |
| Return on assets (ROA) | 1.7496% | 634 |
| Pretax return on assets | 2.2354% | 471 |
| Return on Equity (ROE) | 16.6400% | 999 |
| Retained earnings to average equity (ytd only) | 6.2014% | 2,174 |
| Net charge-offs to loans | 0.0555% | 1,303 |
| Credit loss provision to net charge-offs | 210.7869% | 1,187 |
| Earnings coverage of net charge-offs (x) | 70.3201% | 1,089 |
| Efficiency ratio | 52.6669% | 3,777 |
| Assets per employee ($millions) | 5.6249% | 3,139 |
| Cash dividends to net income (ytd only)* | 62.7212% | 1,084 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3127% | 1,708 |
| Loan loss allowance to noncurrent loans | 249.4103% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 832 |
| Noncurrent loans to loans | 0.5263% | 1,472 |
| Net loans and leases to total assets | 60.8700% | 2,764 |
| Net loans and leases to deposits | 69.1741% | 2,938 |
| Net loans and leases to core deposits | 70.3894% | 3,285 |
| Total domestic deposits to total assets | 88.0000% | 1,358 |
| Equity capital to assets | 10.6971% | 1,633 |
| Core capital (leverage) ratio | 10.4313% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6823% | 1,352 |
| Memoranda: |
| Average total assets | $10,353,391,600 | 155 |
| Average earning assets | $9,491,865,600 | 152 |
| Average equity | $1,088,928,400 | 157 |
| Average total loans | $6,117,605,600 | 176 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3968% | 1,138 |
| Cost of funding earning assets | 1.6157% | 1,343 |
| Net interest margin | 3.7811% | 1,640 |
| Noninterest income to average assets | 1.5000% | 387 |
| Noninterest expense to average assets | 2.5833% | 1,989 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.7668% | 706 |
| Return on assets (ROA) | 1.7668% | 692 |
| Pretax return on assets | 2.2827% | 493 |
| Return on Equity (ROE) | 16.8700% | 1,097 |
| Retained earnings to average equity (ytd only) | 11.1335% | 1,140 |
| Net charge-offs to loans | 0.0534% | 1,144 |
| Credit loss provision to net charge-offs | 306.1672% | 874 |
| Earnings coverage of net charge-offs (x) | 76.2161% | 1,071 |
| Efficiency ratio | 51.7102% | 3,777 |
| Assets per employee ($millions) | 5.4912% | 3,182 |
| Cash dividends to net income (ytd only)* | 34.0105% | 1,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3622% | 1,614 |
| Loan loss allowance to noncurrent loans | 295.4090% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 813 |
| Noncurrent loans to loans | 0.4611% | 1,669 |
| Net loans and leases to total assets | 60.8900% | 2,763 |
| Net loans and leases to deposits | 69.1662% | 2,897 |
| Net loans and leases to core deposits | 70.2664% | 3,197 |
| Total domestic deposits to total assets | 88.0400% | 1,559 |
| Equity capital to assets | 10.9386% | 1,369 |
| Core capital (leverage) ratio | 10.8522% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3628% | 1,232 |
| Memoranda: |
| Average total assets | $10,323,354,750 | 156 |
| Average earning assets | $9,464,269,000 | 153 |
| Average equity | $1,081,070,000 | 160 |
| Average total loans | $6,031,940,500 | 179 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2018% | 1,213 |
| Cost of funding earning assets | 1.4322% | 1,373 |
| Net interest margin | 3.7696% | 1,683 |
| Noninterest income to average assets | 1.5400% | 316 |
| Noninterest expense to average assets | 2.5800% | 1,979 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.7858% | 677 |
| Return on assets (ROA) | 1.7858% | 674 |
| Pretax return on assets | 2.3148% | 456 |
| Return on Equity (ROE) | 17.3100% | 1,045 |
| Retained earnings to average equity (ytd only) | 11.6165% | 1,058 |
| Net charge-offs to loans | 0.0323% | 1,247 |
| Credit loss provision to net charge-offs | 560.8333% | 600 |
| Earnings coverage of net charge-offs (x) | 130.4438% | 806 |
| Efficiency ratio | 51.2606% | 3,834 |
| Assets per employee ($millions) | 5.4516% | 3,190 |
| Cash dividends to net income (ytd only)* | 32.8798% | 1,991 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3813% | 1,601 |
| Loan loss allowance to noncurrent loans | 319.5454% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 795 |
| Noncurrent loans to loans | 0.4323% | 1,638 |
| Net loans and leases to total assets | 59.6400% | 2,807 |
| Net loans and leases to deposits | 67.5571% | 2,942 |
| Net loans and leases to core deposits | 68.3964% | 3,213 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 10.7081% | 1,506 |
| Core capital (leverage) ratio | 10.7198% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2296% | 1,276 |
| Memoranda: |
| Average total assets | $10,354,412,667 | 152 |
| Average earning assets | $9,497,230,333 | 149 |
| Average equity | $1,068,412,667 | 157 |
| Average total loans | $5,937,378,000 | 176 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0380% | 1,156 |
| Cost of funding earning assets | 1.2700% | 1,295 |
| Net interest margin | 3.7680% | 1,753 |
| Noninterest income to average assets | 1.4900% | 336 |
| Noninterest expense to average assets | 2.5527% | 2,103 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.7823% | 695 |
| Return on assets (ROA) | 1.7823% | 688 |
| Pretax return on assets | 2.3257% | 463 |
| Return on Equity (ROE) | 17.6000% | 1,086 |
| Retained earnings to average equity (ytd only) | 12.0183% | 1,267 |
| Net charge-offs to loans | 0.0202% | 1,275 |
| Credit loss provision to net charge-offs | 573.4694% | 521 |
| Earnings coverage of net charge-offs (x) | 211.7109% | 493 |
| Efficiency ratio | 51.2881% | 3,829 |
| Assets per employee ($millions) | 5.5954% | 3,122 |
| Cash dividends to net income (ytd only)* | 31.7122% | 1,682 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3984% | 1,628 |
| Loan loss allowance to noncurrent loans | 332.4998% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 834 |
| Noncurrent loans to loans | 0.4206% | 1,679 |
| Net loans and leases to total assets | 55.7600% | 3,053 |
| Net loans and leases to deposits | 64.3046% | 3,061 |
| Net loans and leases to core deposits | 65.0999% | 3,282 |
| Total domestic deposits to total assets | 86.7200% | 2,364 |
| Equity capital to assets | 10.3290% | 1,655 |
| Core capital (leverage) ratio | 10.1099% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6194% | 1,229 |
| Memoranda: |
| Average total assets | $10,415,325,500 | 156 |
| Average earning assets | $9,557,379,500 | 151 |
| Average equity | $1,054,762,500 | 162 |
| Average total loans | $5,812,210,500 | 185 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8407% | 2,171 |
| Cost of funding earning assets | 0.3980% | 2,123 |
| Net interest margin | 3.4427% | 2,122 |
| Noninterest income to average assets | 1.5800% | 324 |
| Noninterest expense to average assets | 2.5692% | 1,906 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.6741% | 569 |
| Return on assets (ROA) | 1.6436% | 581 |
| Pretax return on assets | 2.0592% | 414 |
| Return on Equity (ROE) | 16.3800% | 982 |
| Retained earnings to average equity (ytd only) | 7.7460% | 1,935 |
| Net charge-offs to loans | 0.0249% | 1,563 |
| Credit loss provision to net charge-offs | 328.7473% | 868 |
| Earnings coverage of net charge-offs (x) | 155.9580% | 767 |
| Efficiency ratio | 54.1447% | 3,784 |
| Assets per employee ($millions) | 5.6990% | 3,035 |
| Cash dividends to net income (ytd only)* | 52.7013% | 1,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4147% | 1,451 |
| Loan loss allowance to noncurrent loans | 365.7236% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 891 |
| Noncurrent loans to loans | 0.3868% | 1,760 |
| Net loans and leases to total assets | 54.2800% | 3,175 |
| Net loans and leases to deposits | 60.6659% | 3,290 |
| Net loans and leases to core deposits | 61.4310% | 3,426 |
| Total domestic deposits to total assets | 89.4700% | 1,574 |
| Equity capital to assets | 9.9247% | 1,740 |
| Core capital (leverage) ratio | 9.7215% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6754% | 1,193 |
| Memoranda: |
| Average total assets | $10,052,940,200 | 158 |
| Average earning assets | $9,154,910,200 | 156 |
| Average equity | $1,008,948,400 | 169 |
| Average total loans | $5,555,983,800 | 180 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5219% | 2,542 |
| Cost of funding earning assets | 0.2248% | 2,988 |
| Net interest margin | 3.2971% | 2,307 |
| Noninterest income to average assets | 1.6300% | 331 |
| Noninterest expense to average assets | 2.5569% | 1,837 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.6258% | 621 |
| Return on assets (ROA) | 1.5854% | 658 |
| Pretax return on assets | 1.9989% | 467 |
| Return on Equity (ROE) | 15.7500% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.6943% | 2,116 |
| Net charge-offs to loans | 0.0111% | 1,701 |
| Credit loss provision to net charge-offs | 300.2179% | 807 |
| Earnings coverage of net charge-offs (x) | 336.8083% | 434 |
| Efficiency ratio | 54.8844% | 3,736 |
| Assets per employee ($millions) | 5.6935% | 3,040 |
| Cash dividends to net income (ytd only)* | 51.1495% | 1,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4008% | 1,601 |
| Loan loss allowance to noncurrent loans | 525.8073% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 1,054 |
| Noncurrent loans to loans | 0.2664% | 2,310 |
| Net loans and leases to total assets | 53.1000% | 3,180 |
| Net loans and leases to deposits | 59.3228% | 3,257 |
| Net loans and leases to core deposits | 60.0972% | 3,379 |
| Total domestic deposits to total assets | 89.5000% | 1,873 |
| Equity capital to assets | 9.5968% | 1,830 |
| Core capital (leverage) ratio | 9.4552% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6012% | 1,259 |
| Memoranda: |
| Average total assets | $9,964,587,500 | 161 |
| Average earning assets | $9,057,297,250 | 158 |
| Average equity | $1,002,986,000 | 168 |
| Average total loans | $5,512,703,750 | 180 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2686% | 2,840 |
| Cost of funding earning assets | 0.1007% | 4,183 |
| Net interest margin | 3.1679% | 2,296 |
| Noninterest income to average assets | 1.6507% | 292 |
| Noninterest expense to average assets | 2.5589% | 1,754 |
| Loan and lease loss provision to assets | -0.0123% | 4,407 |
| Net operating income to assets | 1.5692% | 587 |
| Return on assets (ROA) | 1.5061% | 673 |
| Pretax return on assets | 1.8949% | 472 |
| Return on Equity (ROE) | 14.7191% | 955 |
| Retained earnings to average equity (ytd only) | 5.5699% | 2,484 |
| Net charge-offs to loans | 0.0196% | 1,344 |
| Credit loss provision to net charge-offs | -112.2905% | 3,127 |
| Earnings coverage of net charge-offs (x) | 179.1378% | 577 |
| Efficiency ratio | 56.1853% | 3,754 |
| Assets per employee ($millions) | 5.7175% | 3,008 |
| Cash dividends to net income (ytd only)* | 62.1586% | 1,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3998% | 1,747 |
| Loan loss allowance to noncurrent loans | 418.7984% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 1,050 |
| Noncurrent loans to loans | 0.3342% | 2,138 |
| Net loans and leases to total assets | 51.3028% | 3,236 |
| Net loans and leases to deposits | 57.3038% | 3,283 |
| Net loans and leases to core deposits | 58.0506% | 3,417 |
| Total domestic deposits to total assets | 89.5276% | 1,931 |
| Equity capital to assets | 9.5130% | 2,004 |
| Core capital (leverage) ratio | 9.0998% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4138% | 1,325 |
| Memoranda: |
| Average total assets | $9,803,574,000 | 159 |
| Average earning assets | $8,883,738,000 | 159 |
| Average equity | $1,003,102,667 | 166 |
| Average total loans | $5,474,937,000 | 177 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2132% | 2,647 |
| Cost of funding earning assets | 0.0698% | 4,450 |
| Net interest margin | 3.1434% | 2,047 |
| Noninterest income to average assets | 1.7314% | 292 |
| Noninterest expense to average assets | 2.5923% | 1,633 |
| Loan and lease loss provision to assets | -0.0066% | 4,411 |
| Net operating income to assets | 1.5836% | 531 |
| Return on assets (ROA) | 1.4525% | 706 |
| Pretax return on assets | 1.8287% | 516 |
| Return on Equity (ROE) | 13.6598% | 899 |
| Retained earnings to average equity (ytd only) | 0.7199% | 3,874 |
| Net charge-offs to loans | -0.0198% | 3,903 |
| Credit loss provision to net charge-offs | 57.1956% | 1,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1745% | 3,863 |
| Assets per employee ($millions) | 5.8865% | 2,913 |
| Cash dividends to net income (ytd only)* | 94.7296% | 568 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4260% | 1,816 |
| Loan loss allowance to noncurrent loans | 329.9146% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 995 |
| Noncurrent loans to loans | 0.4322% | 1,949 |
| Net loans and leases to total assets | 50.8352% | 3,088 |
| Net loans and leases to deposits | 56.6895% | 3,199 |
| Net loans and leases to core deposits | 57.4091% | 3,353 |
| Total domestic deposits to total assets | 89.6730% | 1,730 |
| Equity capital to assets | 9.3365% | 2,413 |
| Core capital (leverage) ratio | 9.0799% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2463% | 1,440 |
| Memoranda: |
| Average total assets | $9,436,640,500 | 169 |
| Average earning assets | $8,552,788,000 | 168 |
| Average equity | $1,003,439,500 | 168 |
| Average total loans | $5,471,031,000 | 175 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5775% | 2,446 |
| Cost of funding earning assets | 0.0809% | 4,523 |
| Net interest margin | 3.4967% | 1,745 |
| Noninterest income to average assets | 1.5799% | 454 |
| Noninterest expense to average assets | 2.7173% | 1,587 |
| Loan and lease loss provision to assets | -0.1106% | 4,557 |
| Net operating income to assets | 1.7055% | 623 |
| Return on assets (ROA) | 1.7098% | 642 |
| Pretax return on assets | 2.1647% | 445 |
| Return on Equity (ROE) | 16.2475% | 713 |
| Retained earnings to average equity (ytd only) | 11.0406% | 695 |
| Net charge-offs to loans | 0.1246% | 730 |
| Credit loss provision to net charge-offs | -144.6023% | 3,443 |
| Earnings coverage of net charge-offs (x) | 26.7801% | 1,692 |
| Efficiency ratio | 56.5807% | 3,633 |
| Assets per employee ($millions) | 4.5947% | 4,044 |
| Cash dividends to net income (ytd only)* | 32.0474% | 2,435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4235% | 1,828 |
| Loan loss allowance to noncurrent loans | 301.2415% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 762 |
| Noncurrent loans to loans | 0.4725% | 1,948 |
| Net loans and leases to total assets | 65.2548% | 1,559 |
| Net loans and leases to deposits | 74.8805% | 1,653 |
| Net loans and leases to core deposits | 76.1653% | 1,909 |
| Total domestic deposits to total assets | 87.1452% | 2,453 |
| Equity capital to assets | 12.2978% | 1,128 |
| Core capital (leverage) ratio | 9.2184% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7513% | 1,325 |
| Memoranda: |
| Average total assets | $9,202,386,800 | 173 |
| Average earning assets | $8,385,351,600 | 170 |
| Average equity | $968,391,600 | 176 |
| Average total loans | $5,648,290,200 | 174 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5336% | 2,735 |
| Cost of funding earning assets | 0.0811% | 4,628 |
| Net interest margin | 3.4526% | 2,003 |
| Noninterest income to average assets | 1.5091% | 542 |
| Noninterest expense to average assets | 2.5845% | 1,888 |
| Loan and lease loss provision to assets | -0.1261% | 4,655 |
| Net operating income to assets | 1.7144% | 802 |
| Return on assets (ROA) | 1.7164% | 838 |
| Pretax return on assets | 2.2054% | 538 |
| Return on Equity (ROE) | 16.9362% | 770 |
| Retained earnings to average equity (ytd only) | 11.7785% | 882 |
| Net charge-offs to loans | 0.1110% | 690 |
| Credit loss provision to net charge-offs | -188.4737% | 3,369 |
| Earnings coverage of net charge-offs (x) | 31.0277% | 1,504 |
| Efficiency ratio | 55.0085% | 3,657 |
| Assets per employee ($millions) | 5.5439% | 3,147 |
| Cash dividends to net income (ytd only)* | 30.4533% | 2,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5029% | 1,621 |
| Loan loss allowance to noncurrent loans | 256.1696% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 1,068 |
| Noncurrent loans to loans | 0.5867% | 1,842 |
| Net loans and leases to total assets | 52.8146% | 3,108 |
| Net loans and leases to deposits | 59.0098% | 3,324 |
| Net loans and leases to core deposits | 59.8295% | 3,479 |
| Total domestic deposits to total assets | 89.5015% | 1,010 |
| Equity capital to assets | 9.8571% | 3,042 |
| Core capital (leverage) ratio | 9.0595% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7657% | 1,403 |
| Memoranda: |
| Average total assets | $9,436,524,750 | 166 |
| Average earning assets | $8,615,199,000 | 165 |
| Average equity | $956,360,000 | 175 |
| Average total loans | $5,692,427,000 | 174 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6162% | 2,569 |
| Cost of funding earning assets | 0.0856% | 4,665 |
| Net interest margin | 3.5307% | 1,768 |
| Noninterest income to average assets | 1.5912% | 492 |
| Noninterest expense to average assets | 2.6414% | 1,751 |
| Loan and lease loss provision to assets | -0.2167% | 4,777 |
| Net operating income to assets | 1.8328% | 665 |
| Return on assets (ROA) | 1.8341% | 693 |
| Pretax return on assets | 2.3868% | 419 |
| Return on Equity (ROE) | 17.9182% | 666 |
| Retained earnings to average equity (ytd only) | 12.7152% | 774 |
| Net charge-offs to loans | 0.1635% | 513 |
| Credit loss provision to net charge-offs | -211.1699% | 3,221 |
| Earnings coverage of net charge-offs (x) | 21.1324% | 1,513 |
| Efficiency ratio | 54.4678% | 3,746 |
| Assets per employee ($millions) | 5.4123% | 3,229 |
| Cash dividends to net income (ytd only)* | 29.0374% | 2,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4120% | 1,920 |
| Loan loss allowance to noncurrent loans | 232.1663% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 1,101 |
| Noncurrent loans to loans | 0.6082% | 1,886 |
| Net loans and leases to total assets | 55.6490% | 2,941 |
| Net loans and leases to deposits | 62.0718% | 3,191 |
| Net loans and leases to core deposits | 62.9441% | 3,381 |
| Total domestic deposits to total assets | 89.6526% | 949 |
| Equity capital to assets | 9.7579% | 3,086 |
| Core capital (leverage) ratio | 9.1334% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2329% | 1,552 |
| Memoranda: |
| Average total assets | $9,213,172,000 | 169 |
| Average earning assets | $8,399,096,667 | 168 |
| Average equity | $943,075,667 | 176 |
| Average total loans | $5,783,503,333 | 174 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6812% | 2,407 |
| Cost of funding earning assets | 0.0964% | 4,671 |
| Net interest margin | 3.5847% | 1,625 |
| Noninterest income to average assets | 1.5330% | 581 |
| Noninterest expense to average assets | 2.5548% | 2,005 |
| Loan and lease loss provision to assets | -0.0101% | 4,581 |
| Net operating income to assets | 1.7462% | 872 |
| Return on assets (ROA) | 1.7489% | 914 |
| Pretax return on assets | 2.2476% | 638 |
| Return on Equity (ROE) | 16.6475% | 901 |
| Retained earnings to average equity (ytd only) | 11.5718% | 1,257 |
| Net charge-offs to loans | 0.0345% | 1,135 |
| Credit loss provision to net charge-offs | -44.2688% | 2,755 |
| Earnings coverage of net charge-offs (x) | 97.5810% | 624 |
| Efficiency ratio | 52.8859% | 3,928 |
| Assets per employee ($millions) | 5.3470% | 3,281 |
| Cash dividends to net income (ytd only)* | 30.4892% | 1,705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4751% | 1,693 |
| Loan loss allowance to noncurrent loans | 211.9779% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 1,239 |
| Noncurrent loans to loans | 0.6959% | 1,850 |
| Net loans and leases to total assets | 60.6139% | 2,460 |
| Net loans and leases to deposits | 67.6632% | 2,739 |
| Net loans and leases to core deposits | 68.5530% | 3,014 |
| Total domestic deposits to total assets | 89.5817% | 1,030 |
| Equity capital to assets | 9.9017% | 2,794 |
| Core capital (leverage) ratio | 9.3614% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2660% | 1,486 |
| Memoranda: |
| Average total assets | $8,840,468,000 | 174 |
| Average earning assets | $8,029,574,000 | 172 |
| Average equity | $928,741,500 | 177 |
| Average total loans | $5,864,645,500 | 173 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0145% | 2,684 |
| Cost of funding earning assets | 0.2208% | 4,504 |
| Net interest margin | 3.7937% | 1,518 |
| Noninterest income to average assets | 1.4427% | 574 |
| Noninterest expense to average assets | 2.7552% | 2,054 |
| Loan and lease loss provision to assets | 0.7368% | 198 |
| Net operating income to assets | 1.1292% | 1,804 |
| Return on assets (ROA) | 1.1297% | 1,926 |
| Pretax return on assets | 1.4189% | 1,597 |
| Return on Equity (ROE) | 10.4551% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.2012% | 2,186 |
| Net charge-offs to loans | 0.3862% | 447 |
| Credit loss provision to net charge-offs | 271.1302% | 1,838 |
| Earnings coverage of net charge-offs (x) | 7.9304% | 2,649 |
| Efficiency ratio | 55.4676% | 4,050 |
| Assets per employee ($millions) | 4.2953% | 4,126 |
| Cash dividends to net income (ytd only)* | 50.2517% | 1,819 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4729% | 1,682 |
| Loan loss allowance to noncurrent loans | 204.2252% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 1,087 |
| Noncurrent loans to loans | 0.7212% | 1,893 |
| Net loans and leases to total assets | 70.8549% | 1,450 |
| Net loans and leases to deposits | 80.2917% | 1,833 |
| Net loans and leases to core deposits | 81.6189% | 2,219 |
| Total domestic deposits to total assets | 88.2469% | 1,351 |
| Equity capital to assets | 11.2045% | 2,095 |
| Core capital (leverage) ratio | 9.4816% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5911% | 1,658 |
| Memoranda: |
| Average total assets | $8,246,608,000 | 171 |
| Average earning assets | $7,537,924,600 | 169 |
| Average equity | $891,041,000 | 177 |
| Average total loans | $5,803,210,200 | 170 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9885% | 3,002 |
| Cost of funding earning assets | 0.2557% | 4,491 |
| Net interest margin | 3.7328% | 1,826 |
| Noninterest income to average assets | 1.4467% | 550 |
| Noninterest expense to average assets | 2.7621% | 2,083 |
| Loan and lease loss provision to assets | 0.9127% | 171 |
| Net operating income to assets | 0.9688% | 2,456 |
| Return on assets (ROA) | 0.9695% | 2,584 |
| Pretax return on assets | 1.1972% | 2,399 |
| Return on Equity (ROE) | 9.0554% | 2,377 |
| Retained earnings to average equity (ytd only) | 3.9191% | 3,092 |
| Net charge-offs to loans | 0.0613% | 1,722 |
| Credit loss provision to net charge-offs | 2,127.2009% | 449 |
| Earnings coverage of net charge-offs (x) | 49.1554% | 1,204 |
| Efficiency ratio | 56.0432% | 3,915 |
| Assets per employee ($millions) | 4.8942% | 3,381 |
| Cash dividends to net income (ytd only)* | 56.7213% | 1,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6679% | 945 |
| Loan loss allowance to noncurrent loans | 115.1840% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 1,010 |
| Noncurrent loans to loans | 1.4480% | 994 |
| Net loans and leases to total assets | 68.8739% | 2,125 |
| Net loans and leases to deposits | 77.1610% | 2,634 |
| Net loans and leases to core deposits | 78.3841% | 2,976 |
| Total domestic deposits to total assets | 89.2600% | 665 |
| Equity capital to assets | 10.2612% | 3,000 |
| Core capital (leverage) ratio | 9.2763% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0999% | 1,796 |
| Memoranda: |
| Average total assets | $8,259,402,500 | 168 |
| Average earning assets | $7,577,385,500 | 166 |
| Average equity | $884,237,000 | 177 |
| Average total loans | $5,780,593,500 | 168 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1303% | 2,969 |
| Cost of funding earning assets | 0.3243% | 4,383 |
| Net interest margin | 3.8060% | 1,821 |
| Noninterest income to average assets | 1.4879% | 475 |
| Noninterest expense to average assets | 2.7928% | 2,114 |
| Loan and lease loss provision to assets | 0.9473% | 228 |
| Net operating income to assets | 0.9974% | 2,339 |
| Return on assets (ROA) | 0.9974% | 2,465 |
| Pretax return on assets | 1.2391% | 2,222 |
| Return on Equity (ROE) | 9.1785% | 2,285 |
| Retained earnings to average equity (ytd only) | 4.1111% | 2,855 |
| Net charge-offs to loans | 0.0404% | 1,935 |
| Credit loss provision to net charge-offs | 3,350.4371% | 328 |
| Earnings coverage of net charge-offs (x) | 77.3313% | 829 |
| Efficiency ratio | 55.4311% | 4,011 |
| Assets per employee ($millions) | 4.6937% | 3,537 |
| Cash dividends to net income (ytd only)* | 55.2100% | 1,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3785% | 1,659 |
| Loan loss allowance to noncurrent loans | 157.8411% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 1,827 |
| Noncurrent loans to loans | 0.8733% | 1,746 |
| Net loans and leases to total assets | 70.1072% | 2,012 |
| Net loans and leases to deposits | 78.6250% | 2,587 |
| Net loans and leases to core deposits | 79.8644% | 2,960 |
| Total domestic deposits to total assets | 89.1665% | 681 |
| Equity capital to assets | 10.2022% | 3,017 |
| Core capital (leverage) ratio | 9.3348% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6247% | 1,950 |
| Memoranda: |
| Average total assets | $8,092,341,000 | 170 |
| Average earning assets | $7,423,196,667 | 169 |
| Average equity | $879,334,333 | 177 |
| Average total loans | $5,662,092,333 | 171 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3612% | 2,744 |
| Cost of funding earning assets | 0.4894% | 3,988 |
| Net interest margin | 3.8718% | 1,751 |
| Noninterest income to average assets | 1.6378% | 338 |
| Noninterest expense to average assets | 2.8833% | 2,173 |
| Loan and lease loss provision to assets | 0.9754% | 221 |
| Net operating income to assets | 1.0477% | 2,011 |
| Return on assets (ROA) | 1.0477% | 2,111 |
| Pretax return on assets | 1.3183% | 1,822 |
| Return on Equity (ROE) | 9.3218% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.4399% | 2,515 |
| Net charge-offs to loans | 0.0360% | 1,693 |
| Credit loss provision to net charge-offs | 3,905.9794% | 206 |
| Earnings coverage of net charge-offs (x) | 91.8515% | 616 |
| Efficiency ratio | 55.0365% | 4,305 |
| Assets per employee ($millions) | 4.2139% | 3,641 |
| Cash dividends to net income (ytd only)* | 52.3711% | 1,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2098% | 2,613 |
| Loan loss allowance to noncurrent loans | 121.7204% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 1,746 |
| Noncurrent loans to loans | 0.9939% | 1,661 |
| Net loans and leases to total assets | 69.9431% | 2,260 |
| Net loans and leases to deposits | 79.2776% | 2,751 |
| Net loans and leases to core deposits | 80.6434% | 3,142 |
| Total domestic deposits to total assets | 88.2256% | 1,004 |
| Equity capital to assets | 11.3074% | 2,588 |
| Core capital (leverage) ratio | 10.3454% | 3,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1003% | 2,238 |
| Memoranda: |
| Average total assets | $7,768,661,500 | 173 |
| Average earning assets | $7,101,418,500 | 169 |
| Average equity | $873,182,500 | 179 |
| Average total loans | $5,386,739,500 | 175 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6828% | 2,378 |
| Cost of funding earning assets | 0.7556% | 2,888 |
| Net interest margin | 3.9272% | 2,080 |
| Noninterest income to average assets | 1.5473% | 390 |
| Noninterest expense to average assets | 2.8828% | 2,343 |
| Loan and lease loss provision to assets | 0.1012% | 2,035 |
| Net operating income to assets | 1.6863% | 680 |
| Return on assets (ROA) | 1.6931% | 713 |
| Pretax return on assets | 2.1587% | 417 |
| Return on Equity (ROE) | 15.4366% | 615 |
| Retained earnings to average equity (ytd only) | 6.6601% | 1,541 |
| Net charge-offs to loans | 0.1068% | 1,659 |
| Credit loss provision to net charge-offs | 141.1485% | 1,832 |
| Earnings coverage of net charge-offs (x) | 31.4075% | 1,534 |
| Efficiency ratio | 55.4644% | 4,271 |
| Assets per employee ($millions) | 4.2351% | 3,592 |
| Cash dividends to net income (ytd only)* | 56.8549% | 1,717 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0232% | 3,360 |
| Loan loss allowance to noncurrent loans | 185.2943% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,621 |
| Noncurrent loans to loans | 0.5522% | 2,521 |
| Net loans and leases to total assets | 67.1681% | 2,804 |
| Net loans and leases to deposits | 76.0748% | 3,171 |
| Net loans and leases to core deposits | 77.4038% | 3,487 |
| Total domestic deposits to total assets | 88.2921% | 983 |
| Equity capital to assets | 11.1714% | 2,843 |
| Core capital (leverage) ratio | 10.2186% | 3,280 |
| Tier 1 risk-based capital ratio | 13.2219% | 3,667 |
| Total risk-based capital ratio | 14.1386% | 3,727 |
| Memoranda: |
| Average total assets | $7,628,403,800 | 166 |
| Average earning assets | $6,967,053,000 | 164 |
| Average equity | $836,679,400 | 179 |
| Average total loans | $5,122,150,800 | 171 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7381% | 2,305 |
| Cost of funding earning assets | 0.8010% | 2,713 |
| Net interest margin | 3.9370% | 2,142 |
| Noninterest income to average assets | 1.5240% | 395 |
| Noninterest expense to average assets | 2.8214% | 2,509 |
| Loan and lease loss provision to assets | 0.1198% | 1,637 |
| Net operating income to assets | 1.6866% | 768 |
| Return on assets (ROA) | 1.6956% | 793 |
| Pretax return on assets | 2.1911% | 457 |
| Return on Equity (ROE) | 15.5332% | 677 |
| Retained earnings to average equity (ytd only) | 6.4087% | 2,169 |
| Net charge-offs to loans | 0.0618% | 1,941 |
| Credit loss provision to net charge-offs | 289.6186% | 971 |
| Earnings coverage of net charge-offs (x) | 55.5712% | 1,116 |
| Efficiency ratio | 54.4064% | 4,342 |
| Assets per employee ($millions) | 4.1098% | 3,747 |
| Cash dividends to net income (ytd only)* | 58.7422% | 1,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0684% | 3,181 |
| Loan loss allowance to noncurrent loans | 184.1812% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,570 |
| Noncurrent loans to loans | 0.5801% | 2,547 |
| Net loans and leases to total assets | 68.4819% | 2,714 |
| Net loans and leases to deposits | 77.5918% | 3,141 |
| Net loans and leases to core deposits | 79.0335% | 3,469 |
| Total domestic deposits to total assets | 88.2591% | 934 |
| Equity capital to assets | 11.2131% | 2,912 |
| Core capital (leverage) ratio | 10.0610% | 3,575 |
| Tier 1 risk-based capital ratio | 13.1534% | 3,758 |
| Total risk-based capital ratio | 14.1243% | 3,813 |
| Memoranda: |
| Average total assets | $7,604,296,750 | 168 |
| Average earning assets | $6,947,356,000 | 164 |
| Average equity | $830,106,250 | 181 |
| Average total loans | $5,092,123,500 | 172 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7123% | 2,325 |
| Cost of funding earning assets | 0.8144% | 2,576 |
| Net interest margin | 3.8979% | 2,248 |
| Noninterest income to average assets | 1.4837% | 406 |
| Noninterest expense to average assets | 2.7916% | 2,616 |
| Loan and lease loss provision to assets | 0.1080% | 1,738 |
| Net operating income to assets | 1.6589% | 793 |
| Return on assets (ROA) | 1.6725% | 796 |
| Pretax return on assets | 2.1634% | 484 |
| Return on Equity (ROE) | 15.4596% | 676 |
| Retained earnings to average equity (ytd only) | 10.3288% | 667 |
| Net charge-offs to loans | 0.0158% | 2,578 |
| Credit loss provision to net charge-offs | 1,034.4221% | 335 |
| Earnings coverage of net charge-offs (x) | 215.8342% | 372 |
| Efficiency ratio | 54.6258% | 4,396 |
| Assets per employee ($millions) | 4.1139% | 3,709 |
| Cash dividends to net income (ytd only)* | 33.1885% | 2,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0794% | 3,181 |
| Loan loss allowance to noncurrent loans | 266.7247% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,096 |
| Noncurrent loans to loans | 0.4047% | 3,085 |
| Net loans and leases to total assets | 66.2852% | 3,066 |
| Net loans and leases to deposits | 75.0252% | 3,423 |
| Net loans and leases to core deposits | 76.4118% | 3,689 |
| Total domestic deposits to total assets | 88.3506% | 943 |
| Equity capital to assets | 11.1471% | 2,910 |
| Core capital (leverage) ratio | 10.0051% | 3,576 |
| Tier 1 risk-based capital ratio | 13.5201% | 3,573 |
| Total risk-based capital ratio | 14.5024% | 3,615 |
| Memoranda: |
| Average total assets | $7,621,142,000 | 168 |
| Average earning assets | $6,964,739,330 | 165 |
| Average equity | $824,470,670 | 183 |
| Average total loans | $5,046,557,670 | 174 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6579% | 2,359 |
| Cost of funding earning assets | 0.8080% | 2,490 |
| Net interest margin | 3.8499% | 2,346 |
| Noninterest income to average assets | 1.4416% | 414 |
| Noninterest expense to average assets | 2.7834% | 2,627 |
| Loan and lease loss provision to assets | 0.0884% | 1,942 |
| Net operating income to assets | 1.6109% | 873 |
| Return on assets (ROA) | 1.6109% | 907 |
| Pretax return on assets | 2.0818% | 549 |
| Return on Equity (ROE) | 15.1205% | 727 |
| Retained earnings to average equity (ytd only) | 10.1490% | 998 |
| Net charge-offs to loans | 0.0126% | 2,245 |
| Credit loss provision to net charge-offs | 1,065.8228% | 354 |
| Earnings coverage of net charge-offs (x) | 261.7342% | 304 |
| Efficiency ratio | 55.4776% | 4,395 |
| Assets per employee ($millions) | 4.1811% | 3,654 |
| Cash dividends to net income (ytd only)* | 32.8794% | 2,146 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0478% | 3,422 |
| Loan loss allowance to noncurrent loans | 222.6687% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 3,019 |
| Noncurrent loans to loans | 0.4706% | 2,905 |
| Net loans and leases to total assets | 64.9920% | 3,170 |
| Net loans and leases to deposits | 73.2504% | 3,513 |
| Net loans and leases to core deposits | 74.6109% | 3,759 |
| Total domestic deposits to total assets | 88.7258% | 988 |
| Equity capital to assets | 10.7127% | 3,150 |
| Core capital (leverage) ratio | 9.7676% | 3,849 |
| Tier 1 risk-based capital ratio | 13.1952% | 3,778 |
| Total risk-based capital ratio | 14.1445% | 3,827 |
| Memoranda: |
| Average total assets | $7,622,267,500 | 170 |
| Average earning assets | $6,953,077,500 | 167 |
| Average equity | $812,063,000 | 185 |
| Average total loans | $5,017,185,500 | 176 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3704% | 2,860 |
| Cost of funding earning assets | 0.6027% | 2,695 |
| Net interest margin | 3.7678% | 2,792 |
| Noninterest income to average assets | 1.4217% | 452 |
| Noninterest expense to average assets | 2.7692% | 2,789 |
| Loan and lease loss provision to assets | 0.0505% | 3,176 |
| Net operating income to assets | 1.5944% | 880 |
| Return on assets (ROA) | 1.5944% | 871 |
| Pretax return on assets | 2.0733% | 470 |
| Return on Equity (ROE) | 15.6809% | 691 |
| Retained earnings to average equity (ytd only) | 11.0121% | 436 |
| Net charge-offs to loans | 0.0824% | 1,959 |
| Credit loss provision to net charge-offs | 93.2091% | 2,678 |
| Earnings coverage of net charge-offs (x) | 39.2211% | 1,336 |
| Efficiency ratio | 55.8740% | 4,424 |
| Assets per employee ($millions) | 4.1513% | 3,686 |
| Cash dividends to net income (ytd only)* | 29.7739% | 3,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0310% | 3,497 |
| Loan loss allowance to noncurrent loans | 209.5885% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,901 |
| Noncurrent loans to loans | 0.4919% | 2,800 |
| Net loans and leases to total assets | 65.2877% | 3,225 |
| Net loans and leases to deposits | 73.4050% | 3,554 |
| Net loans and leases to core deposits | 74.8222% | 3,795 |
| Total domestic deposits to total assets | 88.9418% | 886 |
| Equity capital to assets | 10.5939% | 3,087 |
| Core capital (leverage) ratio | 9.4942% | 4,115 |
| Tier 1 risk-based capital ratio | 13.1457% | 3,760 |
| Total risk-based capital ratio | 14.0918% | 3,830 |
| Memoranda: |
| Average total assets | $7,533,140,400 | 170 |
| Average earning assets | $6,940,228,600 | 165 |
| Average equity | $765,977,200 | 184 |
| Average total loans | $4,949,090,200 | 173 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2882% | 3,008 |
| Cost of funding earning assets | 0.5571% | 2,813 |
| Net interest margin | 3.7311% | 2,896 |
| Noninterest income to average assets | 1.4101% | 481 |
| Noninterest expense to average assets | 2.7613% | 2,772 |
| Loan and lease loss provision to assets | 0.0405% | 3,193 |
| Net operating income to assets | 1.5809% | 997 |
| Return on assets (ROA) | 1.5809% | 1,001 |
| Pretax return on assets | 2.0536% | 542 |
| Return on Equity (ROE) | 15.7131% | 744 |
| Retained earnings to average equity (ytd only) | 11.3642% | 580 |
| Net charge-offs to loans | 0.0561% | 2,014 |
| Credit loss provision to net charge-offs | 110.0626% | 2,110 |
| Earnings coverage of net charge-offs (x) | 56.9231% | 1,086 |
| Efficiency ratio | 56.1515% | 4,369 |
| Assets per employee ($millions) | 4.1264% | 3,687 |
| Cash dividends to net income (ytd only)* | 27.6774% | 2,665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0475% | 3,480 |
| Loan loss allowance to noncurrent loans | 167.5928% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 2,708 |
| Noncurrent loans to loans | 0.6250% | 2,527 |
| Net loans and leases to total assets | 64.6118% | 3,351 |
| Net loans and leases to deposits | 72.3829% | 3,743 |
| Net loans and leases to core deposits | 73.8368% | 3,957 |
| Total domestic deposits to total assets | 89.2639% | 746 |
| Equity capital to assets | 10.2544% | 3,398 |
| Core capital (leverage) ratio | 9.2071% | 4,507 |
| Tier 1 risk-based capital ratio | 12.9927% | 3,912 |
| Total risk-based capital ratio | 13.9649% | 3,972 |
| Memoranda: |
| Average total assets | $7,527,570,250 | 165 |
| Average earning assets | $6,951,133,750 | 163 |
| Average equity | $757,368,000 | 183 |
| Average total loans | $4,940,325,250 | 174 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1922% | 3,142 |
| Cost of funding earning assets | 0.5023% | 2,995 |
| Net interest margin | 3.6899% | 2,967 |
| Noninterest income to average assets | 1.3897% | 494 |
| Noninterest expense to average assets | 2.7737% | 2,748 |
| Loan and lease loss provision to assets | 0.0411% | 3,087 |
| Net operating income to assets | 1.5228% | 1,096 |
| Return on assets (ROA) | 1.5243% | 1,092 |
| Pretax return on assets | 1.9890% | 615 |
| Return on Equity (ROE) | 15.3546% | 784 |
| Retained earnings to average equity (ytd only) | 11.3873% | 606 |
| Net charge-offs to loans | 0.0406% | 2,047 |
| Credit loss provision to net charge-offs | 153.9939% | 1,551 |
| Earnings coverage of net charge-offs (x) | 76.0718% | 850 |
| Efficiency ratio | 57.0799% | 4,349 |
| Assets per employee ($millions) | 4.1031% | 3,724 |
| Cash dividends to net income (ytd only)* | 25.8378% | 2,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0522% | 3,522 |
| Loan loss allowance to noncurrent loans | 162.2529% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,855 |
| Noncurrent loans to loans | 0.6485% | 2,493 |
| Net loans and leases to total assets | 65.3424% | 3,234 |
| Net loans and leases to deposits | 73.0049% | 3,630 |
| Net loans and leases to core deposits | 74.4987% | 3,848 |
| Total domestic deposits to total assets | 89.5041% | 738 |
| Equity capital to assets | 10.0774% | 3,553 |
| Core capital (leverage) ratio | 9.1848% | 4,481 |
| Tier 1 risk-based capital ratio | 12.7727% | 4,024 |
| Total risk-based capital ratio | 13.7540% | 4,078 |
| Memoranda: |
| Average total assets | $7,418,926,000 | 168 |
| Average earning assets | $6,860,601,330 | 164 |
| Average equity | $736,524,330 | 185 |
| Average total loans | $4,873,745,330 | 175 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0882% | 3,276 |
| Cost of funding earning assets | 0.4312% | 3,361 |
| Net interest margin | 3.6570% | 2,964 |
| Noninterest income to average assets | 1.3649% | 500 |
| Noninterest expense to average assets | 2.8359% | 2,586 |
| Loan and lease loss provision to assets | 0.0170% | 3,312 |
| Net operating income to assets | 1.4664% | 1,159 |
| Return on assets (ROA) | 1.4664% | 1,158 |
| Pretax return on assets | 1.8941% | 737 |
| Return on Equity (ROE) | 14.8848% | 821 |
| Retained earnings to average equity (ytd only) | 11.1268% | 864 |
| Net charge-offs to loans | 0.0345% | 1,823 |
| Credit loss provision to net charge-offs | 75.2998% | 1,785 |
| Earnings coverage of net charge-offs (x) | 84.4652% | 681 |
| Efficiency ratio | 59.0561% | 4,207 |
| Assets per employee ($millions) | 4.1823% | 3,682 |
| Cash dividends to net income (ytd only)* | 25.2470% | 2,275 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0455% | 3,693 |
| Loan loss allowance to noncurrent loans | 151.6247% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 2,862 |
| Noncurrent loans to loans | 0.6895% | 2,487 |
| Net loans and leases to total assets | 65.0088% | 3,175 |
| Net loans and leases to deposits | 72.3858% | 3,570 |
| Net loans and leases to core deposits | 74.1654% | 3,811 |
| Total domestic deposits to total assets | 89.8088% | 736 |
| Equity capital to assets | 9.7984% | 3,796 |
| Core capital (leverage) ratio | 8.9643% | 4,714 |
| Tier 1 risk-based capital ratio | 12.4829% | 4,246 |
| Total risk-based capital ratio | 13.4630% | 4,322 |
| Memoranda: |
| Average total assets | $7,372,043,000 | 170 |
| Average earning assets | $6,817,861,500 | 165 |
| Average equity | $726,245,500 | 187 |
| Average total loans | $4,830,032,000 | 174 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7562% | 4,199 |
| Cost of funding earning assets | 0.2908% | 4,218 |
| Net interest margin | 3.4654% | 3,635 |
| Noninterest income to average assets | 1.3850% | 548 |
| Noninterest expense to average assets | 2.6329% | 3,342 |
| Loan and lease loss provision to assets | 0.1197% | 1,913 |
| Net operating income to assets | 1.1356% | 1,730 |
| Return on assets (ROA) | 1.1753% | 1,618 |
| Pretax return on assets | 1.9045% | 599 |
| Return on Equity (ROE) | 12.0929% | 1,182 |
| Retained earnings to average equity (ytd only) | 8.0946% | 731 |
| Net charge-offs to loans | 0.1216% | 1,832 |
| Credit loss provision to net charge-offs | 153.6739% | 1,744 |
| Earnings coverage of net charge-offs (x) | 25.1979% | 1,724 |
| Efficiency ratio | 56.7359% | 4,689 |
| Assets per employee ($millions) | 4.2670% | 3,547 |
| Cash dividends to net income (ytd only)* | 33.0634% | 3,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0927% | 3,394 |
| Loan loss allowance to noncurrent loans | 148.3121% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 2,762 |
| Noncurrent loans to loans | 0.7368% | 2,365 |
| Net loans and leases to total assets | 64.6202% | 3,279 |
| Net loans and leases to deposits | 72.0320% | 3,700 |
| Net loans and leases to core deposits | 73.3343% | 3,935 |
| Total domestic deposits to total assets | 89.7105% | 672 |
| Equity capital to assets | 9.9063% | 3,810 |
| Core capital (leverage) ratio | 9.3061% | 4,284 |
| Tier 1 risk-based capital ratio | 13.0155% | 3,893 |
| Total risk-based capital ratio | 14.0293% | 3,939 |
| Memoranda: |
| Average total assets | $7,113,353,000 | 167 |
| Average earning assets | $6,588,934,200 | 165 |
| Average equity | $691,337,200 | 187 |
| Average total loans | $4,556,445,200 | 176 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7119% | 4,291 |
| Cost of funding earning assets | 0.2746% | 4,362 |
| Net interest margin | 3.4373% | 3,716 |
| Noninterest income to average assets | 1.3882% | 546 |
| Noninterest expense to average assets | 2.6188% | 3,354 |
| Loan and lease loss provision to assets | 0.0977% | 2,154 |
| Net operating income to assets | 1.2140% | 1,633 |
| Return on assets (ROA) | 1.2140% | 1,664 |
| Pretax return on assets | 1.8583% | 769 |
| Return on Equity (ROE) | 12.5527% | 1,169 |
| Retained earnings to average equity (ytd only) | 8.6878% | 951 |
| Net charge-offs to loans | 0.0776% | 2,031 |
| Credit loss provision to net charge-offs | 197.5257% | 1,359 |
| Earnings coverage of net charge-offs (x) | 39.5508% | 1,311 |
| Efficiency ratio | 56.6767% | 4,651 |
| Assets per employee ($millions) | 4.1472% | 3,745 |
| Cash dividends to net income (ytd only)* | 30.7896% | 2,716 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1002% | 3,479 |
| Loan loss allowance to noncurrent loans | 172.0717% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 3,154 |
| Noncurrent loans to loans | 0.6394% | 2,799 |
| Net loans and leases to total assets | 64.7396% | 3,295 |
| Net loans and leases to deposits | 72.2047% | 3,748 |
| Net loans and leases to core deposits | 73.5503% | 4,014 |
| Total domestic deposits to total assets | 89.6612% | 598 |
| Equity capital to assets | 9.9415% | 3,975 |
| Core capital (leverage) ratio | 9.3064% | 4,401 |
| Tier 1 risk-based capital ratio | 12.9793% | 4,024 |
| Total risk-based capital ratio | 14.0008% | 4,067 |
| Memoranda: |
| Average total assets | $7,082,465,500 | 169 |
| Average earning assets | $6,565,898,250 | 166 |
| Average equity | $684,944,250 | 187 |
| Average total loans | $4,513,514,500 | 178 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6550% | 4,348 |
| Cost of funding earning assets | 0.2491% | 4,549 |
| Net interest margin | 3.4059% | 3,756 |
| Noninterest income to average assets | 1.3815% | 562 |
| Noninterest expense to average assets | 2.6025% | 3,426 |
| Loan and lease loss provision to assets | 0.0541% | 2,894 |
| Net operating income to assets | 1.2302% | 1,500 |
| Return on assets (ROA) | 1.2302% | 1,535 |
| Pretax return on assets | 1.8832% | 686 |
| Return on Equity (ROE) | 12.8413% | 1,080 |
| Retained earnings to average equity (ytd only) | 8.9937% | 842 |
| Net charge-offs to loans | 0.0717% | 1,914 |
| Credit loss provision to net charge-offs | 119.4878% | 1,787 |
| Earnings coverage of net charge-offs (x) | 42.7826% | 1,200 |
| Efficiency ratio | 56.7529% | 4,737 |
| Assets per employee ($millions) | 4.0976% | 3,791 |
| Cash dividends to net income (ytd only)* | 29.9621% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0682% | 3,745 |
| Loan loss allowance to noncurrent loans | 224.5464% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 3,652 |
| Noncurrent loans to loans | 0.4757% | 3,321 |
| Net loans and leases to total assets | 64.5449% | 3,307 |
| Net loans and leases to deposits | 71.9046% | 3,752 |
| Net loans and leases to core deposits | 73.2609% | 4,000 |
| Total domestic deposits to total assets | 89.7646% | 616 |
| Equity capital to assets | 9.8596% | 4,077 |
| Core capital (leverage) ratio | 9.0459% | 4,674 |
| Tier 1 risk-based capital ratio | 12.9333% | 4,043 |
| Total risk-based capital ratio | 13.9292% | 4,106 |
| Memoranda: |
| Average total assets | $7,071,082,330 | 168 |
| Average earning assets | $6,557,229,670 | 164 |
| Average equity | $677,426,000 | 188 |
| Average total loans | $4,465,177,670 | 180 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5766% | 4,483 |
| Cost of funding earning assets | 0.2304% | 4,714 |
| Net interest margin | 3.3462% | 3,859 |
| Noninterest income to average assets | 1.3488% | 573 |
| Noninterest expense to average assets | 2.6152% | 3,436 |
| Loan and lease loss provision to assets | 0.0041% | 3,504 |
| Net operating income to assets | 1.1909% | 1,522 |
| Return on assets (ROA) | 1.1909% | 1,565 |
| Pretax return on assets | 1.8339% | 739 |
| Return on Equity (ROE) | 12.6130% | 1,082 |
| Retained earnings to average equity (ytd only) | 9.0085% | 1,080 |
| Net charge-offs to loans | 0.0767% | 1,567 |
| Credit loss provision to net charge-offs | 8.5308% | 2,235 |
| Earnings coverage of net charge-offs (x) | 38.6043% | 1,061 |
| Efficiency ratio | 58.1445% | 4,700 |
| Assets per employee ($millions) | 4.2212% | 3,631 |
| Cash dividends to net income (ytd only)* | 28.5775% | 2,347 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0895% | 3,771 |
| Loan loss allowance to noncurrent loans | 186.3253% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 3,523 |
| Noncurrent loans to loans | 0.5847% | 3,054 |
| Net loans and leases to total assets | 60.6267% | 3,714 |
| Net loans and leases to deposits | 67.2675% | 4,063 |
| Net loans and leases to core deposits | 68.5232% | 4,256 |
| Total domestic deposits to total assets | 90.1278% | 605 |
| Equity capital to assets | 9.4378% | 4,353 |
| Core capital (leverage) ratio | 8.8816% | 4,865 |
| Tier 1 risk-based capital ratio | 13.1216% | 4,013 |
| Total risk-based capital ratio | 14.1351% | 4,051 |
| Memoranda: |
| Average total assets | $7,090,894,500 | 167 |
| Average earning assets | $6,578,596,000 | 164 |
| Average equity | $669,500,500 | 188 |
| Average total loans | $4,404,039,500 | 182 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4980% | 4,791 |
| Cost of funding earning assets | 0.2057% | 4,961 |
| Net interest margin | 3.2923% | 4,164 |
| Noninterest income to average assets | 1.3853% | 594 |
| Noninterest expense to average assets | 2.6617% | 3,483 |
| Loan and lease loss provision to assets | 0.1701% | 1,434 |
| Net operating income to assets | 1.0394% | 2,192 |
| Return on assets (ROA) | 1.0404% | 2,281 |
| Pretax return on assets | 1.5906% | 1,315 |
| Return on Equity (ROE) | 10.9971% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.9982% | 1,229 |
| Net charge-offs to loans | 0.1040% | 2,230 |
| Credit loss provision to net charge-offs | 256.4337% | 1,126 |
| Earnings coverage of net charge-offs (x) | 26.5151% | 1,543 |
| Efficiency ratio | 59.5671% | 4,650 |
| Assets per employee ($millions) | 4.1381% | 3,725 |
| Cash dividends to net income (ytd only)* | 36.3631% | 3,045 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1043% | 3,686 |
| Loan loss allowance to noncurrent loans | 144.2328% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 3,146 |
| Noncurrent loans to loans | 0.7656% | 2,624 |
| Net loans and leases to total assets | 62.2470% | 3,577 |
| Net loans and leases to deposits | 69.0328% | 4,003 |
| Net loans and leases to core deposits | 70.3367% | 4,212 |
| Total domestic deposits to total assets | 90.1701% | 572 |
| Equity capital to assets | 9.4457% | 4,332 |
| Core capital (leverage) ratio | 8.8878% | 4,870 |
| Tier 1 risk-based capital ratio | 12.7792% | 4,216 |
| Total risk-based capital ratio | 13.8044% | 4,242 |
| Memoranda: |
| Average total assets | $6,770,087,200 | 166 |
| Average earning assets | $6,242,319,600 | 161 |
| Average equity | $640,476,600 | 186 |
| Average total loans | $4,318,527,200 | 180 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5166% | 4,765 |
| Cost of funding earning assets | 0.2043% | 5,028 |
| Net interest margin | 3.3123% | 4,146 |
| Noninterest income to average assets | 1.3920% | 612 |
| Noninterest expense to average assets | 2.6869% | 3,384 |
| Loan and lease loss provision to assets | 0.1956% | 1,100 |
| Net operating income to assets | 1.0278% | 2,307 |
| Return on assets (ROA) | 1.0284% | 2,425 |
| Pretax return on assets | 1.5605% | 1,494 |
| Return on Equity (ROE) | 10.8663% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.9589% | 1,648 |
| Net charge-offs to loans | 0.1071% | 1,876 |
| Credit loss provision to net charge-offs | 285.2549% | 1,083 |
| Earnings coverage of net charge-offs (x) | 25.5936% | 1,630 |
| Efficiency ratio | 59.8381% | 4,564 |
| Assets per employee ($millions) | 3.9799% | 4,001 |
| Cash dividends to net income (ytd only)* | 35.9587% | 2,539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1132% | 3,764 |
| Loan loss allowance to noncurrent loans | 145.9933% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 3,277 |
| Noncurrent loans to loans | 0.7625% | 2,767 |
| Net loans and leases to total assets | 63.0657% | 3,515 |
| Net loans and leases to deposits | 70.1201% | 3,973 |
| Net loans and leases to core deposits | 71.3976% | 4,216 |
| Total domestic deposits to total assets | 89.9396% | 505 |
| Equity capital to assets | 9.6333% | 4,529 |
| Core capital (leverage) ratio | 8.9247% | 4,912 |
| Tier 1 risk-based capital ratio | 12.6662% | 4,361 |
| Total risk-based capital ratio | 13.6890% | 4,409 |
| Memoranda: |
| Average total assets | $6,711,175,750 | 168 |
| Average earning assets | $6,180,095,000 | 163 |
| Average equity | $635,160,250 | 188 |
| Average total loans | $4,295,771,500 | 181 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5097% | 4,841 |
| Cost of funding earning assets | 0.2039% | 5,102 |
| Net interest margin | 3.3058% | 4,208 |
| Noninterest income to average assets | 1.3783% | 602 |
| Noninterest expense to average assets | 2.6700% | 3,486 |
| Loan and lease loss provision to assets | 0.2064% | 1,039 |
| Net operating income to assets | 1.0172% | 2,313 |
| Return on assets (ROA) | 1.0182% | 2,445 |
| Pretax return on assets | 1.5417% | 1,553 |
| Return on Equity (ROE) | 10.8233% | 1,707 |
| Retained earnings to average equity (ytd only) | 6.8261% | 1,704 |
| Net charge-offs to loans | 0.0936% | 1,907 |
| Credit loss provision to net charge-offs | 344.1455% | 861 |
| Earnings coverage of net charge-offs (x) | 29.1191% | 1,409 |
| Efficiency ratio | 59.7882% | 4,670 |
| Assets per employee ($millions) | 3.9144% | 4,070 |
| Cash dividends to net income (ytd only)* | 36.9313% | 2,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0737% | 4,089 |
| Loan loss allowance to noncurrent loans | 142.1515% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 3,365 |
| Noncurrent loans to loans | 0.7553% | 2,852 |
| Net loans and leases to total assets | 64.3245% | 3,317 |
| Net loans and leases to deposits | 71.5108% | 3,828 |
| Net loans and leases to core deposits | 72.8567% | 4,101 |
| Total domestic deposits to total assets | 89.9507% | 508 |
| Equity capital to assets | 9.6130% | 4,655 |
| Core capital (leverage) ratio | 8.7728% | 5,090 |
| Tier 1 risk-based capital ratio | 12.2548% | 4,673 |
| Total risk-based capital ratio | 13.2332% | 4,752 |
| Memoranda: |
| Average total assets | $6,691,620,670 | 168 |
| Average earning assets | $6,150,376,670 | 164 |
| Average equity | $629,494,670 | 187 |
| Average total loans | $4,288,524,670 | 179 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4607% | 4,979 |
| Cost of funding earning assets | 0.2023% | 5,182 |
| Net interest margin | 3.2584% | 4,370 |
| Noninterest income to average assets | 1.3669% | 593 |
| Noninterest expense to average assets | 2.6642% | 3,535 |
| Loan and lease loss provision to assets | 0.2449% | 729 |
| Net operating income to assets | 0.9649% | 2,436 |
| Return on assets (ROA) | 0.9693% | 2,528 |
| Pretax return on assets | 1.4724% | 1,679 |
| Return on Equity (ROE) | 10.4175% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.6923% | 2,034 |
| Net charge-offs to loans | 0.1124% | 1,449 |
| Credit loss provision to net charge-offs | 342.4875% | 782 |
| Earnings coverage of net charge-offs (x) | 23.9240% | 1,347 |
| Efficiency ratio | 60.2316% | 4,713 |
| Assets per employee ($millions) | 4.0206% | 3,911 |
| Cash dividends to net income (ytd only)* | 35.7591% | 2,217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0407% | 4,388 |
| Loan loss allowance to noncurrent loans | 138.6820% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 3,469 |
| Noncurrent loans to loans | 0.7504% | 2,960 |
| Net loans and leases to total assets | 63.0078% | 3,385 |
| Net loans and leases to deposits | 69.8912% | 3,869 |
| Net loans and leases to core deposits | 71.2440% | 4,133 |
| Total domestic deposits to total assets | 90.1512% | 539 |
| Equity capital to assets | 9.3551% | 4,832 |
| Core capital (leverage) ratio | 8.6640% | 5,219 |
| Tier 1 risk-based capital ratio | 12.2490% | 4,752 |
| Total risk-based capital ratio | 13.2041% | 4,855 |
| Memoranda: |
| Average total assets | $6,702,389,000 | 169 |
| Average earning assets | $6,186,939,500 | 164 |
| Average equity | $623,643,500 | 187 |
| Average total loans | $4,264,255,500 | 176 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2463% | 5,438 |
| Cost of funding earning assets | 0.1672% | 5,555 |
| Net interest margin | 3.0791% | 4,954 |
| Noninterest income to average assets | 1.2437% | 776 |
| Noninterest expense to average assets | 2.6009% | 3,919 |
| Loan and lease loss provision to assets | 0.1147% | 2,087 |
| Net operating income to assets | 0.9016% | 2,859 |
| Return on assets (ROA) | 0.9406% | 2,732 |
| Pretax return on assets | 1.4309% | 1,788 |
| Return on Equity (ROE) | 10.2167% | 1,923 |
| Retained earnings to average equity (ytd only) | 6.2425% | 1,680 |
| Net charge-offs to loans | 0.1692% | 1,673 |
| Credit loss provision to net charge-offs | 111.2641% | 2,272 |
| Earnings coverage of net charge-offs (x) | 14.4195% | 2,298 |
| Efficiency ratio | 62.9233% | 4,455 |
| Assets per employee ($millions) | 3.9918% | 3,951 |
| Cash dividends to net income (ytd only)* | 38.8997% | 2,894 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9814% | 4,708 |
| Loan loss allowance to noncurrent loans | 130.4672% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5978% | 3,290 |
| Noncurrent loans to loans | 0.7522% | 2,924 |
| Net loans and leases to total assets | 62.9512% | 3,423 |
| Net loans and leases to deposits | 69.7205% | 3,956 |
| Net loans and leases to core deposits | 71.0932% | 4,203 |
| Total domestic deposits to total assets | 90.2909% | 504 |
| Equity capital to assets | 9.2541% | 4,842 |
| Core capital (leverage) ratio | 8.5876% | 5,342 |
| Tier 1 risk-based capital ratio | 12.2495% | 4,797 |
| Total risk-based capital ratio | 13.1513% | 4,921 |
| Memoranda: |
| Average total assets | $6,691,583,200 | 159 |
| Average earning assets | $6,180,009,400 | 155 |
| Average equity | $616,086,600 | 182 |
| Average total loans | $4,077,316,600 | 177 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2746% | 5,452 |
| Cost of funding earning assets | 0.1701% | 5,627 |
| Net interest margin | 3.1045% | 4,953 |
| Noninterest income to average assets | 1.2675% | 752 |
| Noninterest expense to average assets | 2.6236% | 3,787 |
| Loan and lease loss provision to assets | 0.0827% | 2,517 |
| Net operating income to assets | 0.9412% | 2,756 |
| Return on assets (ROA) | 0.9662% | 2,725 |
| Pretax return on assets | 1.4692% | 1,765 |
| Return on Equity (ROE) | 10.5579% | 1,876 |
| Retained earnings to average equity (ytd only) | 6.5858% | 1,899 |
| Net charge-offs to loans | 0.1353% | 1,781 |
| Credit loss provision to net charge-offs | 102.0517% | 2,220 |
| Earnings coverage of net charge-offs (x) | 18.6841% | 1,987 |
| Efficiency ratio | 62.8821% | 4,426 |
| Assets per employee ($millions) | 3.9626% | 3,950 |
| Cash dividends to net income (ytd only)* | 37.6227% | 2,434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0315% | 4,576 |
| Loan loss allowance to noncurrent loans | 126.5209% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 3,391 |
| Noncurrent loans to loans | 0.8152% | 2,930 |
| Net loans and leases to total assets | 61.5030% | 3,669 |
| Net loans and leases to deposits | 68.3505% | 4,156 |
| Net loans and leases to core deposits | 69.6928% | 4,402 |
| Total domestic deposits to total assets | 89.9818% | 577 |
| Equity capital to assets | 9.5394% | 4,707 |
| Core capital (leverage) ratio | 8.8873% | 5,134 |
| Tier 1 risk-based capital ratio | 13.1292% | 4,359 |
| Total risk-based capital ratio | 14.0796% | 4,448 |
| Memoranda: |
| Average total assets | $6,496,170,000 | 162 |
| Average earning assets | $6,005,560,750 | 158 |
| Average equity | $594,520,750 | 189 |
| Average total loans | $3,890,641,750 | 182 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2373% | 5,559 |
| Cost of funding earning assets | 0.1696% | 5,695 |
| Net interest margin | 3.0677% | 5,052 |
| Noninterest income to average assets | 1.2371% | 797 |
| Noninterest expense to average assets | 2.5845% | 3,960 |
| Loan and lease loss provision to assets | 0.0798% | 2,517 |
| Net operating income to assets | 0.9198% | 2,785 |
| Return on assets (ROA) | 0.9566% | 2,715 |
| Pretax return on assets | 1.4631% | 1,755 |
| Return on Equity (ROE) | 10.5987% | 1,810 |
| Retained earnings to average equity (ytd only) | 6.5597% | 1,921 |
| Net charge-offs to loans | 0.0452% | 2,794 |
| Credit loss provision to net charge-offs | 298.3963% | 934 |
| Earnings coverage of net charge-offs (x) | 55.5945% | 887 |
| Efficiency ratio | 62.9564% | 4,529 |
| Assets per employee ($millions) | 3.9683% | 3,944 |
| Cash dividends to net income (ytd only)* | 38.1087% | 2,477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1008% | 4,314 |
| Loan loss allowance to noncurrent loans | 127.2725% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 3,532 |
| Noncurrent loans to loans | 0.8649% | 2,966 |
| Net loans and leases to total assets | 59.0563% | 3,967 |
| Net loans and leases to deposits | 65.3618% | 4,397 |
| Net loans and leases to core deposits | 66.6342% | 4,605 |
| Total domestic deposits to total assets | 90.3530% | 512 |
| Equity capital to assets | 9.2407% | 4,968 |
| Core capital (leverage) ratio | 8.5855% | 5,455 |
| Tier 1 risk-based capital ratio | 13.3744% | 4,293 |
| Total risk-based capital ratio | 14.4006% | 4,344 |
| Memoranda: |
| Average total assets | $6,530,985,330 | 162 |
| Average earning assets | $6,032,613,000 | 158 |
| Average equity | $589,450,670 | 192 |
| Average total loans | $3,863,497,330 | 184 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2102% | 5,632 |
| Cost of funding earning assets | 0.1690% | 5,780 |
| Net interest margin | 3.0412% | 5,101 |
| Noninterest income to average assets | 1.1940% | 798 |
| Noninterest expense to average assets | 2.5686% | 4,035 |
| Loan and lease loss provision to assets | 0.0814% | 2,340 |
| Net operating income to assets | 0.8823% | 2,833 |
| Return on assets (ROA) | 0.9505% | 2,640 |
| Pretax return on assets | 1.4559% | 1,708 |
| Return on Equity (ROE) | 10.6571% | 1,745 |
| Retained earnings to average equity (ytd only) | 6.9143% | 2,044 |
| Net charge-offs to loans | 0.0690% | 2,044 |
| Credit loss provision to net charge-offs | 200.3003% | 1,041 |
| Earnings coverage of net charge-offs (x) | 35.2432% | 1,048 |
| Efficiency ratio | 63.6583% | 4,528 |
| Assets per employee ($millions) | 4.0820% | 3,805 |
| Cash dividends to net income (ytd only)* | 35.1204% | 2,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0772% | 4,628 |
| Loan loss allowance to noncurrent loans | 230.1052% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 4,531 |
| Noncurrent loans to loans | 0.4681% | 4,177 |
| Net loans and leases to total assets | 58.2479% | 3,908 |
| Net loans and leases to deposits | 64.3880% | 4,330 |
| Net loans and leases to core deposits | 65.6390% | 4,555 |
| Total domestic deposits to total assets | 90.4640% | 542 |
| Equity capital to assets | 9.0087% | 5,279 |
| Core capital (leverage) ratio | 8.4185% | 5,608 |
| Tier 1 risk-based capital ratio | 13.1865% | 4,509 |
| Total risk-based capital ratio | 14.1964% | 4,550 |
| Memoranda: |
| Average total assets | $6,554,406,000 | 160 |
| Average earning assets | $6,049,638,500 | 156 |
| Average equity | $584,586,500 | 190 |
| Average total loans | $3,859,286,500 | 182 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3307% | 5,659 |
| Cost of funding earning assets | 0.1875% | 5,852 |
| Net interest margin | 3.1432% | 5,087 |
| Noninterest income to average assets | 1.2899% | 732 |
| Noninterest expense to average assets | 2.7194% | 3,796 |
| Loan and lease loss provision to assets | 0.0485% | 3,601 |
| Net operating income to assets | 0.9928% | 2,419 |
| Return on assets (ROA) | 1.0013% | 2,455 |
| Pretax return on assets | 1.4204% | 1,812 |
| Return on Equity (ROE) | 11.3732% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.2855% | 1,280 |
| Net charge-offs to loans | 0.0334% | 4,162 |
| Credit loss provision to net charge-offs | 252.4240% | 1,009 |
| Earnings coverage of net charge-offs (x) | 75.8176% | 664 |
| Efficiency ratio | 64.5892% | 4,484 |
| Assets per employee ($millions) | 4.0602% | 3,807 |
| Cash dividends to net income (ytd only)* | 35.9415% | 3,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0591% | 4,770 |
| Loan loss allowance to noncurrent loans | 233.0522% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 4,535 |
| Noncurrent loans to loans | 0.4544% | 4,287 |
| Net loans and leases to total assets | 58.2558% | 4,019 |
| Net loans and leases to deposits | 64.2408% | 4,505 |
| Net loans and leases to core deposits | 65.5067% | 4,707 |
| Total domestic deposits to total assets | 90.6835% | 472 |
| Equity capital to assets | 8.8293% | 5,454 |
| Core capital (leverage) ratio | 8.2702% | 5,803 |
| Tier 1 risk-based capital ratio | 12.5665% | 4,993 |
| Total risk-based capital ratio | 13.5349% | 5,083 |
| Memoranda: |
| Average total assets | $6,333,508,800 | 159 |
| Average earning assets | $5,815,974,400 | 155 |
| Average equity | $557,600,400 | 187 |
| Average total loans | $3,643,699,400 | 179 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3199% | 5,729 |
| Cost of funding earning assets | 0.1914% | 5,899 |
| Net interest margin | 3.1285% | 5,175 |
| Noninterest income to average assets | 1.2976% | 722 |
| Noninterest expense to average assets | 2.7254% | 3,729 |
| Loan and lease loss provision to assets | 0.0262% | 3,880 |
| Net operating income to assets | 1.0018% | 2,445 |
| Return on assets (ROA) | 1.0089% | 2,477 |
| Pretax return on assets | 1.4262% | 1,900 |
| Return on Equity (ROE) | 11.4682% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.5187% | 1,573 |
| Net charge-offs to loans | 0.0297% | 3,895 |
| Credit loss provision to net charge-offs | 154.1927% | 1,545 |
| Earnings coverage of net charge-offs (x) | 84.9922% | 665 |
| Efficiency ratio | 64.8633% | 4,399 |
| Assets per employee ($millions) | 3.9546% | 3,974 |
| Cash dividends to net income (ytd only)* | 34.4385% | 2,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0490% | 4,994 |
| Loan loss allowance to noncurrent loans | 207.1106% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 4,709 |
| Noncurrent loans to loans | 0.5065% | 4,414 |
| Net loans and leases to total assets | 58.2907% | 4,032 |
| Net loans and leases to deposits | 64.4201% | 4,489 |
| Net loans and leases to core deposits | 65.6508% | 4,740 |
| Total domestic deposits to total assets | 90.4853% | 533 |
| Equity capital to assets | 8.9116% | 5,450 |
| Core capital (leverage) ratio | 8.2379% | 5,894 |
| Tier 1 risk-based capital ratio | 12.5101% | 5,163 |
| Total risk-based capital ratio | 13.4586% | 5,278 |
| Memoranda: |
| Average total assets | $6,277,589,250 | 159 |
| Average earning assets | $5,759,067,250 | 157 |
| Average equity | $552,262,000 | 189 |
| Average total loans | $3,589,416,500 | 177 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2861% | 5,819 |
| Cost of funding earning assets | 0.1956% | 5,946 |
| Net interest margin | 3.0905% | 5,280 |
| Noninterest income to average assets | 1.2859% | 712 |
| Noninterest expense to average assets | 2.7018% | 3,856 |
| Loan and lease loss provision to assets | 0.1393% | 1,779 |
| Net operating income to assets | 0.9211% | 2,699 |
| Return on assets (ROA) | 0.9320% | 2,745 |
| Pretax return on assets | 1.2887% | 2,302 |
| Return on Equity (ROE) | 10.6408% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.6568% | 1,945 |
| Net charge-offs to loans | 0.0048% | 4,218 |
| Credit loss provision to net charge-offs | 5,175.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 524.8690% | 136 |
| Efficiency ratio | 65.1298% | 4,504 |
| Assets per employee ($millions) | 3.8452% | 4,171 |
| Cash dividends to net income (ytd only)* | 37.4411% | 2,510 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1811% | 4,514 |
| Loan loss allowance to noncurrent loans | 227.1974% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 4,826 |
| Noncurrent loans to loans | 0.5198% | 4,444 |
| Net loans and leases to total assets | 57.0634% | 4,104 |
| Net loans and leases to deposits | 62.9422% | 4,600 |
| Net loans and leases to core deposits | 64.1842% | 4,806 |
| Total domestic deposits to total assets | 90.6599% | 522 |
| Equity capital to assets | 8.7639% | 5,556 |
| Core capital (leverage) ratio | 8.0397% | 6,069 |
| Tier 1 risk-based capital ratio | 12.3409% | 5,339 |
| Total risk-based capital ratio | 13.3948% | 5,372 |
| Memoranda: |
| Average total assets | $6,241,206,670 | 161 |
| Average earning assets | $5,712,519,330 | 156 |
| Average equity | $546,629,670 | 190 |
| Average total loans | $3,531,774,330 | 179 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1911% | 6,018 |
| Cost of funding earning assets | 0.1993% | 6,005 |
| Net interest margin | 2.9919% | 5,545 |
| Noninterest income to average assets | 1.2284% | 730 |
| Noninterest expense to average assets | 2.6333% | 4,168 |
| Loan and lease loss provision to assets | 0.0787% | 2,575 |
| Net operating income to assets | 0.9032% | 2,630 |
| Return on assets (ROA) | 0.9215% | 2,617 |
| Pretax return on assets | 1.2821% | 2,162 |
| Return on Equity (ROE) | 10.5249% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.8613% | 2,108 |
| Net charge-offs to loans | 0.0379% | 2,856 |
| Credit loss provision to net charge-offs | 371.3415% | 688 |
| Earnings coverage of net charge-offs (x) | 62.9787% | 632 |
| Efficiency ratio | 65.8338% | 4,557 |
| Assets per employee ($millions) | 3.8964% | 4,146 |
| Cash dividends to net income (ytd only)* | 34.8088% | 2,157 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1271% | 5,001 |
| Loan loss allowance to noncurrent loans | 213.9206% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,916 |
| Noncurrent loans to loans | 0.5269% | 4,594 |
| Net loans and leases to total assets | 55.1116% | 4,269 |
| Net loans and leases to deposits | 60.7059% | 4,691 |
| Net loans and leases to core deposits | 61.9397% | 4,888 |
| Total domestic deposits to total assets | 90.7846% | 652 |
| Equity capital to assets | 8.6010% | 5,546 |
| Core capital (leverage) ratio | 7.9633% | 6,140 |
| Tier 1 risk-based capital ratio | 12.4637% | 5,337 |
| Total risk-based capital ratio | 13.4635% | 5,432 |
| Memoranda: |
| Average total assets | $6,187,609,000 | 162 |
| Average earning assets | $5,667,224,500 | 158 |
| Average equity | $541,760,500 | 191 |
| Average total loans | $3,464,707,500 | 181 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2763% | 6,036 |
| Cost of funding earning assets | 0.2196% | 6,181 |
| Net interest margin | 3.0566% | 5,438 |
| Noninterest income to average assets | 1.3174% | 795 |
| Noninterest expense to average assets | 2.7391% | 3,951 |
| Loan and lease loss provision to assets | 0.0214% | 4,705 |
| Net operating income to assets | 0.9141% | 2,710 |
| Return on assets (ROA) | 0.9157% | 2,790 |
| Pretax return on assets | 1.3636% | 1,921 |
| Return on Equity (ROE) | 10.3319% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.2941% | 1,802 |
| Net charge-offs to loans | 0.0288% | 4,848 |
| Credit loss provision to net charge-offs | 132.5606% | 1,776 |
| Earnings coverage of net charge-offs (x) | 85.7092% | 528 |
| Efficiency ratio | 65.9149% | 4,577 |
| Assets per employee ($millions) | 3.8151% | 4,235 |
| Cash dividends to net income (ytd only)* | 39.0808% | 2,854 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1524% | 4,901 |
| Loan loss allowance to noncurrent loans | 250.7323% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 5,071 |
| Noncurrent loans to loans | 0.4596% | 4,846 |
| Net loans and leases to total assets | 55.6145% | 4,371 |
| Net loans and leases to deposits | 61.4284% | 4,783 |
| Net loans and leases to core deposits | 62.7080% | 4,998 |
| Total domestic deposits to total assets | 90.5354% | 790 |
| Equity capital to assets | 8.9187% | 5,132 |
| Core capital (leverage) ratio | 8.2427% | 5,935 |
| Tier 1 risk-based capital ratio | 12.7819% | 5,125 |
| Total risk-based capital ratio | 13.7998% | 5,213 |
| Memoranda: |
| Average total assets | $5,883,194,600 | 164 |
| Average earning assets | $5,397,571,600 | 155 |
| Average equity | $521,423,000 | 191 |
| Average total loans | $3,290,712,200 | 179 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2716% | 6,106 |
| Cost of funding earning assets | 0.2236% | 6,276 |
| Net interest margin | 3.0480% | 5,471 |
| Noninterest income to average assets | 1.3077% | 870 |
| Noninterest expense to average assets | 2.7197% | 3,947 |
| Loan and lease loss provision to assets | 0.0183% | 4,653 |
| Net operating income to assets | 0.9047% | 2,810 |
| Return on assets (ROA) | 0.9068% | 2,907 |
| Pretax return on assets | 1.3691% | 2,044 |
| Return on Equity (ROE) | 10.2483% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.3513% | 2,209 |
| Net charge-offs to loans | 0.0273% | 4,576 |
| Credit loss provision to net charge-offs | 120.0000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 90.6299% | 534 |
| Efficiency ratio | 65.6994% | 4,544 |
| Assets per employee ($millions) | 3.7600% | 4,321 |
| Cash dividends to net income (ytd only)* | 38.0257% | 2,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1569% | 5,082 |
| Loan loss allowance to noncurrent loans | 239.6780% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 5,183 |
| Noncurrent loans to loans | 0.4827% | 4,994 |
| Net loans and leases to total assets | 56.2067% | 4,290 |
| Net loans and leases to deposits | 62.1953% | 4,732 |
| Net loans and leases to core deposits | 63.4925% | 4,949 |
| Total domestic deposits to total assets | 90.3712% | 807 |
| Equity capital to assets | 8.9622% | 5,231 |
| Core capital (leverage) ratio | 8.3541% | 5,914 |
| Tier 1 risk-based capital ratio | 12.7059% | 5,322 |
| Total risk-based capital ratio | 13.7311% | 5,410 |
| Memoranda: |
| Average total assets | $5,848,939,250 | 163 |
| Average earning assets | $5,365,787,500 | 154 |
| Average equity | $517,547,250 | 189 |
| Average total loans | $3,266,604,000 | 179 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2753% | 6,124 |
| Cost of funding earning assets | 0.2272% | 6,325 |
| Net interest margin | 3.0480% | 5,437 |
| Noninterest income to average assets | 1.2758% | 947 |
| Noninterest expense to average assets | 2.7000% | 4,033 |
| Loan and lease loss provision to assets | 0.0280% | 4,367 |
| Net operating income to assets | 0.8787% | 2,915 |
| Return on assets (ROA) | 0.8819% | 3,040 |
| Pretax return on assets | 1.3512% | 2,115 |
| Return on Equity (ROE) | 10.0101% | 2,194 |
| Retained earnings to average equity (ytd only) | 6.0518% | 2,403 |
| Net charge-offs to loans | 0.0346% | 4,203 |
| Credit loss provision to net charge-offs | 145.9750% | 1,570 |
| Earnings coverage of net charge-offs (x) | 71.6565% | 628 |
| Efficiency ratio | 65.6868% | 4,603 |
| Assets per employee ($millions) | 3.5810% | 4,667 |
| Cash dividends to net income (ytd only)* | 39.5433% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2013% | 4,986 |
| Loan loss allowance to noncurrent loans | 196.9086% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 5,056 |
| Noncurrent loans to loans | 0.6101% | 4,732 |
| Net loans and leases to total assets | 55.9570% | 4,299 |
| Net loans and leases to deposits | 61.9614% | 4,750 |
| Net loans and leases to core deposits | 63.2907% | 4,969 |
| Total domestic deposits to total assets | 90.3095% | 854 |
| Equity capital to assets | 9.0805% | 5,135 |
| Core capital (leverage) ratio | 8.3091% | 5,878 |
| Tier 1 risk-based capital ratio | 12.9325% | 5,191 |
| Total risk-based capital ratio | 14.0010% | 5,257 |
| Memoranda: |
| Average total assets | $5,829,614,330 | 159 |
| Average earning assets | $5,352,190,670 | 153 |
| Average equity | $513,600,670 | 190 |
| Average total loans | $3,235,826,000 | 179 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2344% | 6,258 |
| Cost of funding earning assets | 0.2306% | 6,410 |
| Net interest margin | 3.0037% | 5,558 |
| Noninterest income to average assets | 1.2746% | 942 |
| Noninterest expense to average assets | 2.6824% | 4,137 |
| Loan and lease loss provision to assets | 0.0204% | 4,214 |
| Net operating income to assets | 0.8706% | 2,804 |
| Return on assets (ROA) | 0.8713% | 2,949 |
| Pretax return on assets | 1.3344% | 2,107 |
| Return on Equity (ROE) | 10.0395% | 2,049 |
| Retained earnings to average equity (ytd only) | 6.4336% | 2,440 |
| Net charge-offs to loans | 0.0447% | 3,401 |
| Credit loss provision to net charge-offs | 83.1025% | 2,117 |
| Earnings coverage of net charge-offs (x) | 55.1247% | 626 |
| Efficiency ratio | 65.8582% | 4,690 |
| Assets per employee ($millions) | 3.6399% | 4,697 |
| Cash dividends to net income (ytd only)* | 35.9179% | 1,949 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2008% | 5,171 |
| Loan loss allowance to noncurrent loans | 180.0251% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 5,065 |
| Noncurrent loans to loans | 0.6670% | 4,789 |
| Net loans and leases to total assets | 55.2819% | 4,203 |
| Net loans and leases to deposits | 61.1961% | 4,656 |
| Net loans and leases to core deposits | 62.5847% | 4,897 |
| Total domestic deposits to total assets | 90.3356% | 862 |
| Equity capital to assets | 8.9377% | 5,569 |
| Core capital (leverage) ratio | 8.1514% | 5,987 |
| Tier 1 risk-based capital ratio | 12.7446% | 5,407 |
| Total risk-based capital ratio | 13.8070% | 5,492 |
| Memoranda: |
| Average total assets | $5,879,632,500 | 162 |
| Average earning assets | $5,405,684,000 | 155 |
| Average equity | $510,262,500 | 194 |
| Average total loans | $3,231,197,000 | 179 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4404% | 6,431 |
| Cost of funding earning assets | 0.2966% | 6,470 |
| Net interest margin | 3.1438% | 5,712 |
| Noninterest income to average assets | 1.2425% | 1,009 |
| Noninterest expense to average assets | 2.7828% | 4,094 |
| Loan and lease loss provision to assets | 0.0538% | 5,133 |
| Net operating income to assets | 0.8500% | 3,045 |
| Return on assets (ROA) | 0.9085% | 3,015 |
| Pretax return on assets | 1.3850% | 2,092 |
| Return on Equity (ROE) | 10.5608% | 1,951 |
| Retained earnings to average equity (ytd only) | 6.6298% | 1,750 |
| Net charge-offs to loans | 0.0656% | 5,030 |
| Credit loss provision to net charge-offs | 152.6342% | 1,779 |
| Earnings coverage of net charge-offs (x) | 38.2861% | 840 |
| Efficiency ratio | 66.7085% | 4,376 |
| Assets per employee ($millions) | 3.8392% | 4,291 |
| Cash dividends to net income (ytd only)* | 37.2221% | 3,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1943% | 5,138 |
| Loan loss allowance to noncurrent loans | 183.6352% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 5,204 |
| Noncurrent loans to loans | 0.6504% | 4,894 |
| Net loans and leases to total assets | 53.3544% | 4,709 |
| Net loans and leases to deposits | 58.6144% | 5,172 |
| Net loans and leases to core deposits | 60.0831% | 5,355 |
| Total domestic deposits to total assets | 91.0261% | 483 |
| Equity capital to assets | 8.4300% | 6,104 |
| Core capital (leverage) ratio | 7.8422% | 6,318 |
| Tier 1 risk-based capital ratio | 12.3807% | 5,557 |
| Total risk-based capital ratio | 13.4346% | 5,621 |
| Memoranda: |
| Average total assets | $5,758,905,800 | 159 |
| Average earning assets | $5,294,862,600 | 153 |
| Average equity | $495,428,600 | 194 |
| Average total loans | $3,097,369,200 | 178 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4583% | 6,553 |
| Cost of funding earning assets | 0.3104% | 6,560 |
| Net interest margin | 3.1479% | 5,829 |
| Noninterest income to average assets | 1.2306% | 985 |
| Noninterest expense to average assets | 2.7931% | 4,005 |
| Loan and lease loss provision to assets | 0.0153% | 5,617 |
| Net operating income to assets | 0.8654% | 3,155 |
| Return on assets (ROA) | 0.9440% | 2,999 |
| Pretax return on assets | 1.4399% | 2,114 |
| Return on Equity (ROE) | 10.9156% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.1517% | 2,031 |
| Net charge-offs to loans | 0.0458% | 5,011 |
| Credit loss provision to net charge-offs | 62.1673% | 4,099 |
| Earnings coverage of net charge-offs (x) | 54.2719% | 710 |
| Efficiency ratio | 67.0141% | 4,243 |
| Assets per employee ($millions) | 3.7073% | 4,521 |
| Cash dividends to net income (ytd only)* | 34.4819% | 2,416 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1957% | 5,304 |
| Loan loss allowance to noncurrent loans | 163.1833% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 5,277 |
| Noncurrent loans to loans | 0.7327% | 4,960 |
| Net loans and leases to total assets | 52.9303% | 4,925 |
| Net loans and leases to deposits | 58.3657% | 5,394 |
| Net loans and leases to core deposits | 59.7687% | 5,579 |
| Total domestic deposits to total assets | 90.6873% | 524 |
| Equity capital to assets | 8.6054% | 6,169 |
| Core capital (leverage) ratio | 7.8953% | 6,401 |
| Tier 1 risk-based capital ratio | 12.7925% | 5,415 |
| Total risk-based capital ratio | 13.8570% | 5,518 |
| Memoranda: |
| Average total assets | $5,697,490,250 | 162 |
| Average earning assets | $5,246,337,500 | 155 |
| Average equity | $492,739,000 | 195 |
| Average total loans | $3,061,104,750 | 181 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4998% | 6,604 |
| Cost of funding earning assets | 0.3223% | 6,635 |
| Net interest margin | 3.1775% | 5,805 |
| Noninterest income to average assets | 1.1980% | 996 |
| Noninterest expense to average assets | 2.8016% | 4,017 |
| Loan and lease loss provision to assets | 0.0149% | 5,475 |
| Net operating income to assets | 0.8412% | 3,190 |
| Return on assets (ROA) | 0.9493% | 2,921 |
| Pretax return on assets | 1.4687% | 1,961 |
| Return on Equity (ROE) | 10.9583% | 2,005 |
| Retained earnings to average equity (ytd only) | 7.1593% | 2,011 |
| Net charge-offs to loans | 0.0422% | 4,787 |
| Credit loss provision to net charge-offs | 65.7321% | 3,668 |
| Earnings coverage of net charge-offs (x) | 58.0452% | 651 |
| Efficiency ratio | 67.3830% | 4,259 |
| Assets per employee ($millions) | 3.5581% | 4,851 |
| Cash dividends to net income (ytd only)* | 34.6677% | 2,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2212% | 5,260 |
| Loan loss allowance to noncurrent loans | 169.3553% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 5,337 |
| Noncurrent loans to loans | 0.7211% | 5,069 |
| Net loans and leases to total assets | 53.5570% | 4,871 |
| Net loans and leases to deposits | 59.1453% | 5,318 |
| Net loans and leases to core deposits | 60.5518% | 5,538 |
| Total domestic deposits to total assets | 90.5517% | 636 |
| Equity capital to assets | 8.6939% | 6,032 |
| Core capital (leverage) ratio | 7.8086% | 6,444 |
| Tier 1 risk-based capital ratio | 12.6692% | 5,438 |
| Total risk-based capital ratio | 13.7517% | 5,545 |
| Memoranda: |
| Average total assets | $5,657,726,330 | 163 |
| Average earning assets | $5,200,927,670 | 158 |
| Average equity | $490,132,670 | 196 |
| Average total loans | $3,042,774,330 | 181 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5172% | 6,674 |
| Cost of funding earning assets | 0.3369% | 6,696 |
| Net interest margin | 3.1803% | 5,828 |
| Noninterest income to average assets | 1.1801% | 1,027 |
| Noninterest expense to average assets | 2.8246% | 3,927 |
| Loan and lease loss provision to assets | 0.0122% | 5,151 |
| Net operating income to assets | 0.8177% | 3,307 |
| Return on assets (ROA) | 1.0234% | 2,578 |
| Pretax return on assets | 1.5797% | 1,636 |
| Return on Equity (ROE) | 11.8342% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.4237% | 1,810 |
| Net charge-offs to loans | 0.0259% | 4,321 |
| Credit loss provision to net charge-offs | 88.2653% | 2,578 |
| Earnings coverage of net charge-offs (x) | 92.0714% | 372 |
| Efficiency ratio | 68.2548% | 4,121 |
| Assets per employee ($millions) | 3.6058% | 4,864 |
| Cash dividends to net income (ytd only)* | 28.8191% | 2,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2341% | 5,343 |
| Loan loss allowance to noncurrent loans | 172.0602% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 5,415 |
| Noncurrent loans to loans | 0.7173% | 5,229 |
| Net loans and leases to total assets | 52.6302% | 4,928 |
| Net loans and leases to deposits | 58.0854% | 5,367 |
| Net loans and leases to core deposits | 59.4868% | 5,577 |
| Total domestic deposits to total assets | 90.6084% | 743 |
| Equity capital to assets | 8.4605% | 6,119 |
| Core capital (leverage) ratio | 7.7386% | 6,457 |
| Tier 1 risk-based capital ratio | 12.5880% | 5,530 |
| Total risk-based capital ratio | 13.6892% | 5,620 |
| Memoranda: |
| Average total assets | $5,659,693,500 | 161 |
| Average earning assets | $5,196,356,500 | 155 |
| Average equity | $489,430,500 | 195 |
| Average total loans | $3,031,442,500 | 177 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6815% | 6,867 |
| Cost of funding earning assets | 0.4554% | 6,714 |
| Net interest margin | 3.2262% | 6,024 |
| Noninterest income to average assets | 1.2574% | 822 |
| Noninterest expense to average assets | 2.8189% | 4,273 |
| Loan and lease loss provision to assets | 0.0837% | 5,563 |
| Net operating income to assets | 0.8576% | 2,780 |
| Return on assets (ROA) | 0.8807% | 2,822 |
| Pretax return on assets | 1.3549% | 1,930 |
| Return on Equity (ROE) | 9.6465% | 2,189 |
| Retained earnings to average equity (ytd only) | 5.8947% | 2,080 |
| Net charge-offs to loans | 0.0906% | 5,434 |
| Credit loss provision to net charge-offs | 169.8954% | 1,581 |
| Earnings coverage of net charge-offs (x) | 28.4804% | 875 |
| Efficiency ratio | 66.2414% | 4,720 |
| Assets per employee ($millions) | 3.5695% | 4,846 |
| Cash dividends to net income (ytd only)* | 38.8929% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2925% | 4,941 |
| Loan loss allowance to noncurrent loans | 199.0195% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 5,440 |
| Noncurrent loans to loans | 0.6494% | 5,409 |
| Net loans and leases to total assets | 53.0288% | 5,169 |
| Net loans and leases to deposits | 58.6035% | 5,642 |
| Net loans and leases to core deposits | 60.1300% | 5,838 |
| Total domestic deposits to total assets | 90.4874% | 728 |
| Equity capital to assets | 8.7919% | 5,805 |
| Core capital (leverage) ratio | 8.0725% | 6,172 |
| Tier 1 risk-based capital ratio | 12.9074% | 5,149 |
| Total risk-based capital ratio | 14.0547% | 5,217 |
| Memoranda: |
| Average total assets | $5,238,686,400 | 165 |
| Average earning assets | $4,814,039,000 | 159 |
| Average equity | $478,277,000 | 190 |
| Average total loans | $2,849,802,200 | 180 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6792% | 6,950 |
| Cost of funding earning assets | 0.4882% | 6,753 |
| Net interest margin | 3.1910% | 6,179 |
| Noninterest income to average assets | 1.2695% | 801 |
| Noninterest expense to average assets | 2.8124% | 4,296 |
| Loan and lease loss provision to assets | 0.0910% | 5,319 |
| Net operating income to assets | 0.8537% | 2,924 |
| Return on assets (ROA) | 0.8764% | 2,983 |
| Pretax return on assets | 1.3409% | 2,148 |
| Return on Equity (ROE) | 9.6201% | 2,339 |
| Retained earnings to average equity (ytd only) | 5.9628% | 2,577 |
| Net charge-offs to loans | 0.0929% | 5,045 |
| Credit loss provision to net charge-offs | 178.9258% | 1,666 |
| Earnings coverage of net charge-offs (x) | 27.4680% | 992 |
| Efficiency ratio | 66.3043% | 4,668 |
| Assets per employee ($millions) | 3.4949% | 5,010 |
| Cash dividends to net income (ytd only)* | 38.0169% | 2,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3115% | 4,959 |
| Loan loss allowance to noncurrent loans | 172.8777% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 5,457 |
| Noncurrent loans to loans | 0.7587% | 5,360 |
| Net loans and leases to total assets | 53.9897% | 5,162 |
| Net loans and leases to deposits | 59.9532% | 5,636 |
| Net loans and leases to core deposits | 61.6621% | 5,843 |
| Total domestic deposits to total assets | 90.0530% | 839 |
| Equity capital to assets | 8.9940% | 5,765 |
| Core capital (leverage) ratio | 8.0697% | 6,319 |
| Tier 1 risk-based capital ratio | 13.1676% | 4,975 |
| Total risk-based capital ratio | 14.3479% | 5,000 |
| Memoranda: |
| Average total assets | $5,124,893,250 | 166 |
| Average earning assets | $4,721,799,500 | 160 |
| Average equity | $466,858,500 | 194 |
| Average total loans | $2,805,066,500 | 181 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6827% | 7,028 |
| Cost of funding earning assets | 0.5246% | 6,764 |
| Net interest margin | 3.1581% | 6,267 |
| Noninterest income to average assets | 1.2809% | 767 |
| Noninterest expense to average assets | 2.8068% | 4,403 |
| Loan and lease loss provision to assets | 0.1067% | 4,967 |
| Net operating income to assets | 0.8134% | 3,013 |
| Return on assets (ROA) | 0.8460% | 2,973 |
| Pretax return on assets | 1.3298% | 2,043 |
| Return on Equity (ROE) | 9.2476% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.5473% | 2,667 |
| Net charge-offs to loans | 0.1030% | 4,655 |
| Credit loss provision to net charge-offs | 189.2907% | 1,601 |
| Earnings coverage of net charge-offs (x) | 24.5737% | 1,060 |
| Efficiency ratio | 66.4397% | 4,789 |
| Assets per employee ($millions) | 3.4651% | 5,038 |
| Cash dividends to net income (ytd only)* | 40.0130% | 2,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3080% | 5,022 |
| Loan loss allowance to noncurrent loans | 157.0689% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 5,427 |
| Noncurrent loans to loans | 0.8328% | 5,263 |
| Net loans and leases to total assets | 53.8968% | 5,309 |
| Net loans and leases to deposits | 59.7640% | 5,750 |
| Net loans and leases to core deposits | 61.4455% | 5,949 |
| Total domestic deposits to total assets | 90.1826% | 877 |
| Equity capital to assets | 8.8578% | 5,758 |
| Core capital (leverage) ratio | 7.9408% | 6,366 |
| Tier 1 risk-based capital ratio | 13.0129% | 4,903 |
| Total risk-based capital ratio | 14.1957% | 4,937 |
| Memoranda: |
| Average total assets | $5,100,894,000 | 167 |
| Average earning assets | $4,702,616,000 | 163 |
| Average equity | $466,674,670 | 198 |
| Average total loans | $2,792,398,000 | 185 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6902% | 7,078 |
| Cost of funding earning assets | 0.5147% | 6,920 |
| Net interest margin | 3.1755% | 6,149 |
| Noninterest income to average assets | 1.3613% | 692 |
| Noninterest expense to average assets | 2.8011% | 4,436 |
| Loan and lease loss provision to assets | 0.0564% | 5,297 |
| Net operating income to assets | 0.9164% | 2,488 |
| Return on assets (ROA) | 0.9169% | 2,542 |
| Pretax return on assets | 1.4411% | 1,621 |
| Return on Equity (ROE) | 9.9822% | 2,100 |
| Retained earnings to average equity (ytd only) | 6.5766% | 2,337 |
| Net charge-offs to loans | 0.0554% | 4,378 |
| Credit loss provision to net charge-offs | 182.8042% | 1,600 |
| Earnings coverage of net charge-offs (x) | 48.5344% | 593 |
| Efficiency ratio | 64.7298% | 5,232 |
| Assets per employee ($millions) | 3.4630% | 5,086 |
| Cash dividends to net income (ytd only)* | 34.1164% | 1,893 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3245% | 5,011 |
| Loan loss allowance to noncurrent loans | 133.1757% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 5,197 |
| Noncurrent loans to loans | 0.9946% | 5,055 |
| Net loans and leases to total assets | 53.7484% | 5,338 |
| Net loans and leases to deposits | 59.6845% | 5,754 |
| Net loans and leases to core deposits | 61.6243% | 5,959 |
| Total domestic deposits to total assets | 90.0541% | 1,120 |
| Equity capital to assets | 9.0810% | 5,078 |
| Core capital (leverage) ratio | 8.3698% | 5,684 |
| Tier 1 risk-based capital ratio | 13.4404% | 4,468 |
| Total risk-based capital ratio | 14.6300% | 4,503 |
| Memoranda: |
| Average total assets | $4,902,811,000 | 172 |
| Average earning assets | $4,533,893,000 | 165 |
| Average equity | $450,320,500 | 198 |
| Average total loans | $2,728,144,000 | 188 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9304% | 7,179 |
| Cost of funding earning assets | 0.6055% | 7,115 |
| Net interest margin | 3.3249% | 5,893 |
| Noninterest income to average assets | 1.3255% | 838 |
| Noninterest expense to average assets | 2.9259% | 4,122 |
| Loan and lease loss provision to assets | 0.0629% | 6,511 |
| Net operating income to assets | 0.9080% | 2,351 |
| Return on assets (ROA) | 0.9145% | 2,461 |
| Pretax return on assets | 1.4119% | 1,630 |
| Return on Equity (ROE) | 9.5929% | 2,079 |
| Retained earnings to average equity (ytd only) | 5.8551% | 1,906 |
| Net charge-offs to loans | 0.1270% | 5,628 |
| Credit loss provision to net charge-offs | 82.0941% | 5,481 |
| Earnings coverage of net charge-offs (x) | 19.1209% | 1,078 |
| Efficiency ratio | 66.2642% | 4,925 |
| Assets per employee ($millions) | 3.3983% | 5,173 |
| Cash dividends to net income (ytd only)* | 38.9638% | 2,658 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3070% | 4,970 |
| Loan loss allowance to noncurrent loans | 131.2727% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0225% | 4,956 |
| Noncurrent loans to loans | 0.9957% | 5,069 |
| Net loans and leases to total assets | 56.1219% | 5,326 |
| Net loans and leases to deposits | 62.3074% | 5,820 |
| Net loans and leases to core deposits | 64.0189% | 6,049 |
| Total domestic deposits to total assets | 90.0726% | 1,054 |
| Equity capital to assets | 9.2930% | 4,699 |
| Core capital (leverage) ratio | 8.3901% | 5,555 |
| Tier 1 risk-based capital ratio | 13.2033% | 4,452 |
| Total risk-based capital ratio | 14.3849% | 4,455 |
| Memoranda: |
| Average total assets | $4,687,668,200 | 177 |
| Average earning assets | $4,321,467,400 | 172 |
| Average equity | $446,872,200 | 199 |
| Average total loans | $2,827,636,000 | 184 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0472% | 7,252 |
| Cost of funding earning assets | 0.6364% | 7,209 |
| Net interest margin | 3.4108% | 5,631 |
| Noninterest income to average assets | 1.3420% | 754 |
| Noninterest expense to average assets | 2.9595% | 3,888 |
| Loan and lease loss provision to assets | 0.0659% | 6,405 |
| Net operating income to assets | 0.9434% | 2,440 |
| Return on assets (ROA) | 0.9525% | 2,533 |
| Pretax return on assets | 1.4676% | 1,697 |
| Return on Equity (ROE) | 9.9554% | 2,139 |
| Retained earnings to average equity (ytd only) | 6.2890% | 2,208 |
| Net charge-offs to loans | 0.1417% | 5,162 |
| Credit loss provision to net charge-offs | 76.1321% | 5,252 |
| Earnings coverage of net charge-offs (x) | 17.5587% | 1,320 |
| Efficiency ratio | 65.7171% | 4,919 |
| Assets per employee ($millions) | 3.3087% | 5,436 |
| Cash dividends to net income (ytd only)* | 36.8283% | 2,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2946% | 4,997 |
| Loan loss allowance to noncurrent loans | 114.8666% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 4,836 |
| Noncurrent loans to loans | 1.1271% | 4,982 |
| Net loans and leases to total assets | 59.3652% | 5,027 |
| Net loans and leases to deposits | 66.2076% | 5,645 |
| Net loans and leases to core deposits | 68.0439% | 5,931 |
| Total domestic deposits to total assets | 89.6652% | 1,039 |
| Equity capital to assets | 9.6597% | 4,602 |
| Core capital (leverage) ratio | 8.8440% | 4,934 |
| Tier 1 risk-based capital ratio | 13.5175% | 4,195 |
| Total risk-based capital ratio | 14.7268% | 4,171 |
| Memoranda: |
| Average total assets | $4,524,772,250 | 182 |
| Average earning assets | $4,161,623,000 | 175 |
| Average equity | $432,891,750 | 198 |
| Average total loans | $2,763,605,500 | 186 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0357% | 7,332 |
| Cost of funding earning assets | 0.6511% | 7,292 |
| Net interest margin | 3.3846% | 5,698 |
| Noninterest income to average assets | 1.3222% | 727 |
| Noninterest expense to average assets | 2.9618% | 3,849 |
| Loan and lease loss provision to assets | 0.0784% | 6,156 |
| Net operating income to assets | 0.9121% | 2,509 |
| Return on assets (ROA) | 0.9162% | 2,594 |
| Pretax return on assets | 1.4014% | 1,835 |
| Return on Equity (ROE) | 9.6077% | 2,240 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,417 |
| Net charge-offs to loans | 0.0829% | 5,314 |
| Credit loss provision to net charge-offs | 154.0541% | 2,551 |
| Earnings coverage of net charge-offs (x) | 28.9425% | 940 |
| Efficiency ratio | 66.4148% | 4,905 |
| Assets per employee ($millions) | 3.3707% | 5,258 |
| Cash dividends to net income (ytd only)* | 39.1007% | 2,128 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3246% | 4,788 |
| Loan loss allowance to noncurrent loans | 96.1790% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 5,058 |
| Noncurrent loans to loans | 1.3773% | 4,641 |
| Net loans and leases to total assets | 59.7759% | 5,107 |
| Net loans and leases to deposits | 66.5514% | 5,741 |
| Net loans and leases to core deposits | 68.3561% | 6,030 |
| Total domestic deposits to total assets | 89.8191% | 1,009 |
| Equity capital to assets | 9.4277% | 4,822 |
| Core capital (leverage) ratio | 8.7193% | 5,046 |
| Tier 1 risk-based capital ratio | 13.0415% | 4,405 |
| Total risk-based capital ratio | 14.2776% | 4,368 |
| Memoranda: |
| Average total assets | $4,505,513,670 | 182 |
| Average earning assets | $4,144,288,330 | 174 |
| Average equity | $429,635,000 | 199 |
| Average total loans | $2,766,101,330 | 188 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0172% | 7,444 |
| Cost of funding earning assets | 0.6803% | 7,378 |
| Net interest margin | 3.3369% | 5,832 |
| Noninterest income to average assets | 1.2988% | 715 |
| Noninterest expense to average assets | 3.0420% | 3,512 |
| Loan and lease loss provision to assets | 0.0805% | 5,838 |
| Net operating income to assets | 0.8315% | 2,831 |
| Return on assets (ROA) | 0.8394% | 2,895 |
| Pretax return on assets | 1.2581% | 2,181 |
| Return on Equity (ROE) | 8.7513% | 2,576 |
| Retained earnings to average equity (ytd only) | 5.4246% | 2,914 |
| Net charge-offs to loans | 0.0724% | 4,696 |
| Credit loss provision to net charge-offs | 179.9197% | 2,034 |
| Earnings coverage of net charge-offs (x) | 29.6566% | 877 |
| Efficiency ratio | 69.2589% | 4,458 |
| Assets per employee ($millions) | 3.2031% | 5,762 |
| Cash dividends to net income (ytd only)* | 38.0137% | 1,818 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3296% | 4,777 |
| Loan loss allowance to noncurrent loans | 100.4726% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 5,070 |
| Noncurrent loans to loans | 1.3233% | 4,766 |
| Net loans and leases to total assets | 60.7380% | 4,989 |
| Net loans and leases to deposits | 67.6802% | 5,630 |
| Net loans and leases to core deposits | 69.9939% | 5,916 |
| Total domestic deposits to total assets | 89.7427% | 1,118 |
| Equity capital to assets | 9.5039% | 4,526 |
| Core capital (leverage) ratio | 8.7597% | 4,921 |
| Tier 1 risk-based capital ratio | 12.9127% | 4,398 |
| Total risk-based capital ratio | 14.1461% | 4,384 |
| Memoranda: |
| Average total assets | $4,452,704,500 | 191 |
| Average earning assets | $4,096,516,000 | 182 |
| Average equity | $427,091,500 | 202 |
| Average total loans | $2,752,479,000 | 195 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4610% | 7,414 |
| Cost of funding earning assets | 0.9694% | 7,265 |
| Net interest margin | 3.4915% | 4,998 |
| Noninterest income to average assets | 1.4810% | 653 |
| Noninterest expense to average assets | 3.2331% | 3,263 |
| Loan and lease loss provision to assets | 0.2507% | 5,394 |
| Net operating income to assets | 0.7976% | 2,547 |
| Return on assets (ROA) | 0.8033% | 2,611 |
| Pretax return on assets | 1.2000% | 1,954 |
| Return on Equity (ROE) | 8.0616% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.2352% | 2,255 |
| Net charge-offs to loans | 0.3018% | 4,746 |
| Credit loss provision to net charge-offs | 125.2170% | 4,176 |
| Earnings coverage of net charge-offs (x) | 7.2050% | 2,197 |
| Efficiency ratio | 68.8052% | 4,860 |
| Assets per employee ($millions) | 3.1915% | 5,742 |
| Cash dividends to net income (ytd only)* | 47.4647% | 2,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3333% | 4,576 |
| Loan loss allowance to noncurrent loans | 96.1088% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 4,926 |
| Noncurrent loans to loans | 1.3873% | 4,601 |
| Net loans and leases to total assets | 61.6207% | 5,075 |
| Net loans and leases to deposits | 68.8732% | 5,740 |
| Net loans and leases to core deposits | 76.1325% | 6,391 |
| Total domestic deposits to total assets | 89.4698% | 1,226 |
| Equity capital to assets | 9.6506% | 4,215 |
| Core capital (leverage) ratio | 8.7713% | 4,806 |
| Tier 1 risk-based capital ratio | 12.7713% | 4,305 |
| Total risk-based capital ratio | 14.0013% | 4,266 |
| Memoranda: |
| Average total assets | $4,144,357,800 | 202 |
| Average earning assets | $3,791,658,000 | 198 |
| Average equity | $412,944,000 | 208 |
| Average total loans | $2,749,295,600 | 202 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5346% | 7,472 |
| Cost of funding earning assets | 1.0328% | 7,320 |
| Net interest margin | 3.5017% | 4,858 |
| Noninterest income to average assets | 1.5119% | 646 |
| Noninterest expense to average assets | 3.3014% | 2,916 |
| Loan and lease loss provision to assets | 0.3005% | 4,568 |
| Net operating income to assets | 0.7521% | 3,015 |
| Return on assets (ROA) | 0.7595% | 3,052 |
| Pretax return on assets | 1.1203% | 2,502 |
| Return on Equity (ROE) | 7.5587% | 2,838 |
| Retained earnings to average equity (ytd only) | 3.8960% | 3,116 |
| Net charge-offs to loans | 0.3624% | 3,839 |
| Credit loss provision to net charge-offs | 123.0533% | 4,109 |
| Earnings coverage of net charge-offs (x) | 5.7739% | 2,739 |
| Efficiency ratio | 69.2769% | 4,729 |
| Assets per employee ($millions) | 3.0763% | 5,972 |
| Cash dividends to net income (ytd only)* | 48.4562% | 2,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3275% | 4,338 |
| Loan loss allowance to noncurrent loans | 76.2098% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 4,418 |
| Noncurrent loans to loans | 1.7418% | 4,015 |
| Net loans and leases to total assets | 62.2043% | 5,207 |
| Net loans and leases to deposits | 69.4926% | 5,981 |
| Net loans and leases to core deposits | 77.7921% | 6,511 |
| Total domestic deposits to total assets | 89.5122% | 957 |
| Equity capital to assets | 9.6956% | 4,503 |
| Core capital (leverage) ratio | 8.6783% | 5,166 |
| Tier 1 risk-based capital ratio | 12.6177% | 4,460 |
| Total risk-based capital ratio | 13.8397% | 4,430 |
| Memoranda: |
| Average total assets | $4,088,144,750 | 213 |
| Average earning assets | $3,735,089,500 | 211 |
| Average equity | $410,765,750 | 212 |
| Average total loans | $2,754,439,500 | 210 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6588% | 7,451 |
| Cost of funding earning assets | 1.1111% | 7,350 |
| Net interest margin | 3.5476% | 4,584 |
| Noninterest income to average assets | 1.5281% | 636 |
| Noninterest expense to average assets | 3.3415% | 2,820 |
| Loan and lease loss provision to assets | 0.4092% | 3,477 |
| Net operating income to assets | 0.6769% | 3,357 |
| Return on assets (ROA) | 0.6880% | 3,418 |
| Pretax return on assets | 1.0252% | 2,905 |
| Return on Equity (ROE) | 6.7627% | 3,299 |
| Retained earnings to average equity (ytd only) | 2.9785% | 3,664 |
| Net charge-offs to loans | 0.2292% | 4,064 |
| Credit loss provision to net charge-offs | 258.9663% | 1,795 |
| Earnings coverage of net charge-offs (x) | 8.9732% | 2,193 |
| Efficiency ratio | 69.4226% | 4,897 |
| Assets per employee ($millions) | 2.9678% | 6,214 |
| Cash dividends to net income (ytd only)* | 55.9569% | 1,821 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4365% | 3,538 |
| Loan loss allowance to noncurrent loans | 92.5942% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 4,414 |
| Noncurrent loans to loans | 1.5514% | 4,171 |
| Net loans and leases to total assets | 63.4611% | 5,085 |
| Net loans and leases to deposits | 70.9524% | 5,876 |
| Net loans and leases to core deposits | 79.9989% | 6,410 |
| Total domestic deposits to total assets | 89.4417% | 1,068 |
| Equity capital to assets | 9.6613% | 4,409 |
| Core capital (leverage) ratio | 8.9504% | 4,716 |
| Tier 1 risk-based capital ratio | 12.1526% | 4,800 |
| Total risk-based capital ratio | 13.3898% | 4,722 |
| Memoranda: |
| Average total assets | $4,016,258,330 | 222 |
| Average earning assets | $3,658,089,000 | 218 |
| Average equity | $408,594,330 | 218 |
| Average total loans | $2,768,197,000 | 217 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8089% | 7,358 |
| Cost of funding earning assets | 1.1843% | 7,334 |
| Net interest margin | 3.6246% | 4,216 |
| Noninterest income to average assets | 1.5133% | 615 |
| Noninterest expense to average assets | 3.3974% | 2,366 |
| Loan and lease loss provision to assets | 0.3452% | 3,253 |
| Net operating income to assets | 0.7232% | 3,449 |
| Return on assets (ROA) | 0.7464% | 3,543 |
| Pretax return on assets | 1.0927% | 3,012 |
| Return on Equity (ROE) | 7.1410% | 3,539 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,766 |
| Net charge-offs to loans | 0.1279% | 3,940 |
| Credit loss provision to net charge-offs | 377.9775% | 1,362 |
| Earnings coverage of net charge-offs (x) | 15.3697% | 1,611 |
| Efficiency ratio | 69.9718% | 4,583 |
| Assets per employee ($millions) | 2.7716% | 6,708 |
| Cash dividends to net income (ytd only)* | 46.5081% | 1,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3090% | 4,022 |
| Loan loss allowance to noncurrent loans | 140.7288% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 5,186 |
| Noncurrent loans to loans | 0.9302% | 5,139 |
| Net loans and leases to total assets | 70.3269% | 3,602 |
| Net loans and leases to deposits | 79.3889% | 4,706 |
| Net loans and leases to core deposits | 88.6231% | 5,684 |
| Total domestic deposits to total assets | 88.5853% | 1,438 |
| Equity capital to assets | 10.3709% | 3,591 |
| Core capital (leverage) ratio | 9.5512% | 3,921 |
| Tier 1 risk-based capital ratio | 11.8494% | 5,082 |
| Total risk-based capital ratio | 13.0498% | 5,041 |
| Memoranda: |
| Average total assets | $3,897,962,000 | 224 |
| Average earning assets | $3,535,705,000 | 223 |
| Average equity | $407,450,500 | 217 |
| Average total loans | $2,783,176,500 | 216 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8193% | 6,370 |
| Cost of funding earning assets | 1.6854% | 7,294 |
| Net interest margin | 4.1340% | 2,567 |
| Noninterest income to average assets | 1.6482% | 508 |
| Noninterest expense to average assets | 3.4291% | 2,584 |
| Loan and lease loss provision to assets | 0.2811% | 4,138 |
| Net operating income to assets | 1.0621% | 2,298 |
| Return on assets (ROA) | 1.1784% | 1,778 |
| Pretax return on assets | 1.8106% | 926 |
| Return on Equity (ROE) | 11.5793% | 1,723 |
| Retained earnings to average equity (ytd only) | 7.6948% | 928 |
| Net charge-offs to loans | 0.2106% | 4,103 |
| Credit loss provision to net charge-offs | 193.6865% | 2,527 |
| Earnings coverage of net charge-offs (x) | 13.1778% | 2,159 |
| Efficiency ratio | 63.4601% | 5,677 |
| Assets per employee ($millions) | 2.7593% | 6,658 |
| Cash dividends to net income (ytd only)* | 33.5471% | 3,964 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2434% | 4,210 |
| Loan loss allowance to noncurrent loans | 151.0240% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 5,165 |
| Noncurrent loans to loans | 0.8233% | 4,990 |
| Net loans and leases to total assets | 70.6555% | 3,871 |
| Net loans and leases to deposits | 80.1841% | 5,013 |
| Net loans and leases to core deposits | 89.1007% | 5,880 |
| Total domestic deposits to total assets | 88.1167% | 1,422 |
| Equity capital to assets | 10.5368% | 3,455 |
| Core capital (leverage) ratio | 9.5202% | 3,991 |
| Tier 1 risk-based capital ratio | 11.6421% | 5,109 |
| Total risk-based capital ratio | 12.7932% | 5,090 |
| Memoranda: |
| Average total assets | $3,797,345,400 | 218 |
| Average earning assets | $3,392,941,800 | 217 |
| Average equity | $386,455,800 | 225 |
| Average total loans | $2,617,024,800 | 222 |
