| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5825% | 150 |
| Cost of funding earning assets | 2.4538% | 407 |
| Net interest margin | 5.1288% | 279 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.7150% | 4,120 |
| Loan and lease loss provision to assets | 0.5400% | 161 |
| Net operating income to assets | 2.2372% | 322 |
| Return on assets (ROA) | 2.2371% | 311 |
| Pretax return on assets | 2.8076% | 250 |
| Return on Equity (ROE) | 14.2100% | 1,441 |
| Retained earnings to average equity (ytd only) | 10.5062% | 907 |
| Net charge-offs to loans | 0.1248% | 786 |
| Credit loss provision to net charge-offs | 542.2101% | 636 |
| Earnings coverage of net charge-offs (x) | 34.9762% | 1,528 |
| Efficiency ratio | 33.7259% | 4,465 |
| Assets per employee ($millions) | 12.4772% | 369 |
| Cash dividends to net income (ytd only)* | 26.0719% | 2,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2827% | 1,861 |
| Loan loss allowance to noncurrent loans | 509.0121% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 1,485 |
| Noncurrent loans to loans | 0.2520% | 2,291 |
| Net loans and leases to total assets | 76.2900% | 1,080 |
| Net loans and leases to deposits | 95.3094% | 840 |
| Net loans and leases to core deposits | 125.6964% | 492 |
| Total domestic deposits to total assets | 80.0400% | 3,455 |
| Equity capital to assets | 15.0099% | 552 |
| Core capital (leverage) ratio | 13.9102% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1010% | 1,834 |
| Memoranda: |
| Average total assets | $30,878,878,600 | 68 |
| Average earning assets | $28,066,736,400 | 66 |
| Average equity | $4,860,780,400 | 47 |
| Average total loans | $23,647,811,600 | 56 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4495% | 145 |
| Cost of funding earning assets | 2.2199% | 475 |
| Net interest margin | 5.2296% | 247 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.7068% | 4,114 |
| Loan and lease loss provision to assets | 0.5400% | 142 |
| Net operating income to assets | 2.2890% | 332 |
| Return on assets (ROA) | 2.2888% | 325 |
| Pretax return on assets | 2.8772% | 260 |
| Return on Equity (ROE) | 14.3500% | 1,570 |
| Retained earnings to average equity (ytd only) | 10.6229% | 1,236 |
| Net charge-offs to loans | 0.1478% | 561 |
| Credit loss provision to net charge-offs | 471.6230% | 668 |
| Earnings coverage of net charge-offs (x) | 30.2768% | 1,589 |
| Efficiency ratio | 33.0713% | 4,488 |
| Assets per employee ($millions) | 12.0823% | 364 |
| Cash dividends to net income (ytd only)* | 25.9715% | 2,221 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1975% | 2,380 |
| Loan loss allowance to noncurrent loans | 444.5913% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 1,397 |
| Noncurrent loans to loans | 0.2694% | 2,276 |
| Net loans and leases to total assets | 76.3800% | 1,075 |
| Net loans and leases to deposits | 97.9475% | 622 |
| Net loans and leases to core deposits | 127.2241% | 389 |
| Total domestic deposits to total assets | 77.9800% | 3,819 |
| Equity capital to assets | 14.9646% | 539 |
| Core capital (leverage) ratio | 14.2379% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1031% | 1,854 |
| Memoranda: |
| Average total assets | $30,039,234,000 | 70 |
| Average earning assets | $27,252,761,250 | 69 |
| Average equity | $4,791,225,250 | 48 |
| Average total loans | $22,944,995,750 | 58 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2616% | 152 |
| Cost of funding earning assets | 1.9383% | 566 |
| Net interest margin | 5.3233% | 203 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.7547% | 4,078 |
| Loan and lease loss provision to assets | 0.5300% | 136 |
| Net operating income to assets | 2.3473% | 292 |
| Return on assets (ROA) | 2.3472% | 284 |
| Pretax return on assets | 2.9405% | 216 |
| Return on Equity (ROE) | 14.3800% | 1,601 |
| Retained earnings to average equity (ytd only) | 10.6489% | 1,257 |
| Net charge-offs to loans | 0.1450% | 524 |
| Credit loss provision to net charge-offs | 438.2728% | 699 |
| Earnings coverage of net charge-offs (x) | 31.4987% | 1,523 |
| Efficiency ratio | 33.2506% | 4,514 |
| Assets per employee ($millions) | 11.3345% | 462 |
| Cash dividends to net income (ytd only)* | 25.9611% | 2,220 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1149% | 2,880 |
| Loan loss allowance to noncurrent loans | 631.2371% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 1,576 |
| Noncurrent loans to loans | 0.1766% | 2,596 |
| Net loans and leases to total assets | 75.8900% | 1,064 |
| Net loans and leases to deposits | 97.3351% | 652 |
| Net loans and leases to core deposits | 122.6425% | 460 |
| Total domestic deposits to total assets | 77.9600% | 3,852 |
| Equity capital to assets | 15.6359% | 471 |
| Core capital (leverage) ratio | 14.7355% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2499% | 1,801 |
| Memoranda: |
| Average total assets | $29,129,869,333 | 69 |
| Average earning assets | $26,362,321,667 | 69 |
| Average equity | $4,753,799,000 | 48 |
| Average total loans | $22,149,414,333 | 58 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0196% | 117 |
| Cost of funding earning assets | 1.6249% | 669 |
| Net interest margin | 5.3948% | 171 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.7831% | 4,060 |
| Loan and lease loss provision to assets | 0.5100% | 146 |
| Net operating income to assets | 2.4004% | 281 |
| Return on assets (ROA) | 2.4002% | 276 |
| Pretax return on assets | 2.9752% | 202 |
| Return on Equity (ROE) | 14.3800% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.6453% | 1,549 |
| Net charge-offs to loans | 0.1370% | 488 |
| Credit loss provision to net charge-offs | 279.4114% | 717 |
| Earnings coverage of net charge-offs (x) | 33.5801% | 1,264 |
| Efficiency ratio | 33.5501% | 4,575 |
| Assets per employee ($millions) | 10.8061% | 541 |
| Cash dividends to net income (ytd only)* | 25.9748% | 1,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0064% | 3,493 |
| Loan loss allowance to noncurrent loans | 553.4023% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 1,413 |
| Noncurrent loans to loans | 0.1819% | 2,573 |
| Net loans and leases to total assets | 75.3900% | 1,038 |
| Net loans and leases to deposits | 98.0119% | 539 |
| Net loans and leases to core deposits | 120.2454% | 423 |
| Total domestic deposits to total assets | 76.9100% | 4,087 |
| Equity capital to assets | 16.4368% | 374 |
| Core capital (leverage) ratio | 15.3931% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6144% | 1,761 |
| Memoranda: |
| Average total assets | $28,313,869,000 | 77 |
| Average earning assets | $25,569,434,500 | 75 |
| Average equity | $4,725,753,000 | 50 |
| Average total loans | $21,420,398,500 | 64 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2985% | 193 |
| Cost of funding earning assets | 0.5182% | 1,277 |
| Net interest margin | 4.7802% | 179 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.6995% | 4,184 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 2.1222% | 240 |
| Return on assets (ROA) | 2.1224% | 231 |
| Pretax return on assets | 2.7147% | 163 |
| Return on Equity (ROE) | 12.0700% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.4468% | 1,656 |
| Net charge-offs to loans | 0.0374% | 1,346 |
| Credit loss provision to net charge-offs | -18.2626% | 4,551 |
| Earnings coverage of net charge-offs (x) | 111.7158% | 922 |
| Efficiency ratio | 35.5045% | 4,607 |
| Assets per employee ($millions) | 10.4522% | 586 |
| Cash dividends to net income (ytd only)* | 30.0407% | 2,425 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0051% | 3,346 |
| Loan loss allowance to noncurrent loans | 414.0475% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 2,145 |
| Noncurrent loans to loans | 0.2428% | 2,308 |
| Net loans and leases to total assets | 74.3800% | 1,188 |
| Net loans and leases to deposits | 95.6735% | 667 |
| Net loans and leases to core deposits | 114.8759% | 465 |
| Total domestic deposits to total assets | 77.7400% | 4,117 |
| Equity capital to assets | 16.9565% | 336 |
| Core capital (leverage) ratio | 15.9030% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9728% | 1,636 |
| Memoranda: |
| Average total assets | $26,580,287,000 | 81 |
| Average earning assets | $23,895,045,000 | 83 |
| Average equity | $4,672,417,000 | 54 |
| Average total loans | $19,254,813,400 | 70 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8935% | 241 |
| Cost of funding earning assets | 0.3239% | 1,926 |
| Net interest margin | 4.5697% | 210 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.6860% | 4,173 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 2.0334% | 273 |
| Return on assets (ROA) | 2.0334% | 275 |
| Pretax return on assets | 2.5997% | 192 |
| Return on Equity (ROE) | 11.4600% | 2,220 |
| Retained earnings to average equity (ytd only) | 7.8519% | 2,058 |
| Net charge-offs to loans | 0.0307% | 1,222 |
| Credit loss provision to net charge-offs | -298.2028% | 4,675 |
| Earnings coverage of net charge-offs (x) | 129.9551% | 807 |
| Efficiency ratio | 36.6201% | 4,637 |
| Assets per employee ($millions) | 10.1087% | 637 |
| Cash dividends to net income (ytd only)* | 31.4884% | 1,965 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0254% | 3,362 |
| Loan loss allowance to noncurrent loans | 611.3409% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 2,569 |
| Noncurrent loans to loans | 0.1677% | 2,757 |
| Net loans and leases to total assets | 73.6300% | 1,129 |
| Net loans and leases to deposits | 94.6659% | 612 |
| Net loans and leases to core deposits | 109.1123% | 495 |
| Total domestic deposits to total assets | 77.7700% | 4,273 |
| Equity capital to assets | 17.3048% | 302 |
| Core capital (leverage) ratio | 16.2057% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4225% | 1,595 |
| Memoranda: |
| Average total assets | $26,311,216,750 | 85 |
| Average earning assets | $23,626,394,500 | 83 |
| Average equity | $4,668,126,500 | 56 |
| Average total loans | $18,873,819,000 | 71 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5994% | 307 |
| Cost of funding earning assets | 0.2429% | 2,359 |
| Net interest margin | 4.3565% | 248 |
| Noninterest income to average assets | 0.4389% | 2,513 |
| Noninterest expense to average assets | 1.6480% | 4,221 |
| Loan and lease loss provision to assets | 0.0852% | 1,164 |
| Net operating income to assets | 2.0421% | 212 |
| Return on assets (ROA) | 2.0421% | 216 |
| Pretax return on assets | 2.6176% | 145 |
| Return on Equity (ROE) | 11.4164% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.8397% | 1,678 |
| Net charge-offs to loans | 0.0028% | 1,971 |
| Credit loss provision to net charge-offs | -9,932.0755% | 3,850 |
| Earnings coverage of net charge-offs (x) | 1,343.0868% | 86 |
| Efficiency ratio | 37.3486% | 4,663 |
| Assets per employee ($millions) | 10.4812% | 571 |
| Cash dividends to net income (ytd only)* | 31.3292% | 2,039 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0180% | 3,523 |
| Loan loss allowance to noncurrent loans | 532.3076% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 2,692 |
| Noncurrent loans to loans | 0.1912% | 2,750 |
| Net loans and leases to total assets | 71.5739% | 1,153 |
| Net loans and leases to deposits | 92.8330% | 563 |
| Net loans and leases to core deposits | 103.8440% | 519 |
| Total domestic deposits to total assets | 77.0996% | 4,410 |
| Equity capital to assets | 17.7731% | 234 |
| Core capital (leverage) ratio | 15.8081% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2685% | 1,370 |
| Memoranda: |
| Average total assets | $26,337,582,667 | 83 |
| Average earning assets | $23,649,353,333 | 83 |
| Average equity | $4,711,027,333 | 57 |
| Average total loans | $18,660,521,333 | 71 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3978% | 383 |
| Cost of funding earning assets | 0.2184% | 2,555 |
| Net interest margin | 4.1794% | 296 |
| Noninterest income to average assets | 0.4743% | 2,282 |
| Noninterest expense to average assets | 1.6230% | 4,262 |
| Loan and lease loss provision to assets | 0.0631% | 1,282 |
| Net operating income to assets | 1.9966% | 224 |
| Return on assets (ROA) | 1.9966% | 224 |
| Pretax return on assets | 2.5452% | 170 |
| Return on Equity (ROE) | 11.1278% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.5737% | 1,710 |
| Net charge-offs to loans | -0.0077% | 3,494 |
| Credit loss provision to net charge-offs | 3,757.5000% | 118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8174% | 4,689 |
| Assets per employee ($millions) | 10.6891% | 559 |
| Cash dividends to net income (ytd only)* | 31.9384% | 1,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0787% | 3,422 |
| Loan loss allowance to noncurrent loans | 443.1033% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 2,521 |
| Noncurrent loans to loans | 0.2434% | 2,619 |
| Net loans and leases to total assets | 70.5013% | 972 |
| Net loans and leases to deposits | 92.1157% | 425 |
| Net loans and leases to core deposits | 103.4388% | 416 |
| Total domestic deposits to total assets | 76.5356% | 4,483 |
| Equity capital to assets | 17.6568% | 240 |
| Core capital (leverage) ratio | 15.9748% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9579% | 1,270 |
| Memoranda: |
| Average total assets | $26,546,391,500 | 84 |
| Average earning assets | $23,864,002,500 | 85 |
| Average equity | $4,763,150,000 | 58 |
| Average total loans | $18,619,423,500 | 73 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4392% | 665 |
| Cost of funding earning assets | 0.3381% | 2,041 |
| Net interest margin | 4.1011% | 596 |
| Noninterest income to average assets | 0.4320% | 2,892 |
| Noninterest expense to average assets | 1.6089% | 4,415 |
| Loan and lease loss provision to assets | -0.2914% | 4,771 |
| Net operating income to assets | 2.1651% | 259 |
| Return on assets (ROA) | 2.1650% | 274 |
| Pretax return on assets | 2.8152% | 175 |
| Return on Equity (ROE) | 12.8401% | 1,511 |
| Retained earnings to average equity (ytd only) | 9.5710% | 1,027 |
| Net charge-offs to loans | 0.0559% | 1,238 |
| Credit loss provision to net charge-offs | -655.7954% | 3,812 |
| Earnings coverage of net charge-offs (x) | 65.0335% | 1,129 |
| Efficiency ratio | 38.3513% | 4,716 |
| Assets per employee ($millions) | 10.4368% | 593 |
| Cash dividends to net income (ytd only)* | 25.4597% | 2,770 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1874% | 2,941 |
| Loan loss allowance to noncurrent loans | 491.0878% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,625 |
| Noncurrent loans to loans | 0.2418% | 2,762 |
| Net loans and leases to total assets | 68.1875% | 1,246 |
| Net loans and leases to deposits | 89.5162% | 582 |
| Net loans and leases to core deposits | 99.9297% | 541 |
| Total domestic deposits to total assets | 76.1734% | 4,504 |
| Equity capital to assets | 18.2290% | 248 |
| Core capital (leverage) ratio | 16.1744% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9548% | 1,049 |
| Memoranda: |
| Average total assets | $26,743,844,600 | 82 |
| Average earning assets | $24,133,000,600 | 83 |
| Average equity | $4,509,327,000 | 60 |
| Average total loans | $18,561,806,200 | 73 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3591% | 867 |
| Cost of funding earning assets | 0.3720% | 1,919 |
| Net interest margin | 3.9871% | 814 |
| Noninterest income to average assets | 0.4271% | 2,945 |
| Noninterest expense to average assets | 1.5930% | 4,471 |
| Loan and lease loss provision to assets | -0.3480% | 4,843 |
| Net operating income to assets | 2.1358% | 367 |
| Return on assets (ROA) | 2.1357% | 390 |
| Pretax return on assets | 2.7810% | 234 |
| Return on Equity (ROE) | 12.9259% | 1,715 |
| Retained earnings to average equity (ytd only) | 9.6169% | 1,448 |
| Net charge-offs to loans | 0.0613% | 1,024 |
| Credit loss provision to net charge-offs | -578.6824% | 3,694 |
| Earnings coverage of net charge-offs (x) | 57.1209% | 1,161 |
| Efficiency ratio | 38.9643% | 4,748 |
| Assets per employee ($millions) | 10.3211% | 584 |
| Cash dividends to net income (ytd only)* | 25.5994% | 2,300 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2987% | 2,495 |
| Loan loss allowance to noncurrent loans | 478.8631% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 2,653 |
| Noncurrent loans to loans | 0.2712% | 2,833 |
| Net loans and leases to total assets | 69.1096% | 1,176 |
| Net loans and leases to deposits | 89.8776% | 615 |
| Net loans and leases to core deposits | 102.8223% | 500 |
| Total domestic deposits to total assets | 76.8931% | 4,496 |
| Equity capital to assets | 17.4164% | 305 |
| Core capital (leverage) ratio | 15.2380% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3526% | 1,279 |
| Memoranda: |
| Average total assets | $26,797,198,250 | 82 |
| Average earning assets | $24,188,823,750 | 83 |
| Average equity | $4,427,598,000 | 61 |
| Average total loans | $18,625,301,500 | 74 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3294% | 957 |
| Cost of funding earning assets | 0.4327% | 1,640 |
| Net interest margin | 3.8967% | 979 |
| Noninterest income to average assets | 0.4432% | 2,884 |
| Noninterest expense to average assets | 1.5530% | 4,570 |
| Loan and lease loss provision to assets | -0.4626% | 4,897 |
| Net operating income to assets | 2.2134% | 330 |
| Return on assets (ROA) | 2.2132% | 352 |
| Pretax return on assets | 2.8719% | 217 |
| Return on Equity (ROE) | 13.6328% | 1,529 |
| Retained earnings to average equity (ytd only) | 10.3169% | 1,308 |
| Net charge-offs to loans | 0.0774% | 886 |
| Credit loss provision to net charge-offs | -549.1656% | 3,494 |
| Earnings coverage of net charge-offs (x) | 44.8861% | 1,111 |
| Efficiency ratio | 38.5694% | 4,788 |
| Assets per employee ($millions) | 10.2805% | 568 |
| Cash dividends to net income (ytd only)* | 24.3229% | 2,334 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3614% | 2,148 |
| Loan loss allowance to noncurrent loans | 443.2125% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 2,745 |
| Noncurrent loans to loans | 0.3072% | 2,825 |
| Net loans and leases to total assets | 67.7402% | 1,481 |
| Net loans and leases to deposits | 87.0387% | 846 |
| Net loans and leases to core deposits | 101.6447% | 601 |
| Total domestic deposits to total assets | 77.8277% | 4,445 |
| Equity capital to assets | 16.9198% | 331 |
| Core capital (leverage) ratio | 14.4934% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8441% | 1,376 |
| Memoranda: |
| Average total assets | $27,015,142,000 | 81 |
| Average earning assets | $24,398,870,333 | 83 |
| Average equity | $4,385,717,333 | 61 |
| Average total loans | $18,731,967,667 | 74 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2920% | 1,054 |
| Cost of funding earning assets | 0.4783% | 1,535 |
| Net interest margin | 3.8137% | 1,106 |
| Noninterest income to average assets | 0.4720% | 2,739 |
| Noninterest expense to average assets | 1.5586% | 4,590 |
| Loan and lease loss provision to assets | -0.4638% | 4,908 |
| Net operating income to assets | 2.1813% | 430 |
| Return on assets (ROA) | 2.1810% | 468 |
| Pretax return on assets | 2.8249% | 294 |
| Return on Equity (ROE) | 13.7177% | 1,487 |
| Retained earnings to average equity (ytd only) | 10.3250% | 1,569 |
| Net charge-offs to loans | 0.0725% | 835 |
| Credit loss provision to net charge-offs | -707.0390% | 3,258 |
| Earnings coverage of net charge-offs (x) | 46.7405% | 923 |
| Efficiency ratio | 39.1107% | 4,775 |
| Assets per employee ($millions) | 10.4589% | 520 |
| Cash dividends to net income (ytd only)* | 24.7318% | 1,869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4324% | 1,833 |
| Loan loss allowance to noncurrent loans | 408.5356% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 2,804 |
| Noncurrent loans to loans | 0.3506% | 2,826 |
| Net loans and leases to total assets | 67.6286% | 1,583 |
| Net loans and leases to deposits | 86.6200% | 915 |
| Net loans and leases to core deposits | 104.2759% | 567 |
| Total domestic deposits to total assets | 78.0750% | 4,426 |
| Equity capital to assets | 16.0693% | 384 |
| Core capital (leverage) ratio | 13.9807% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3806% | 1,448 |
| Memoranda: |
| Average total assets | $27,219,744,000 | 82 |
| Average earning assets | $24,609,640,500 | 82 |
| Average equity | $4,327,738,000 | 62 |
| Average total loans | $18,962,116,500 | 75 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6758% | 938 |
| Cost of funding earning assets | 0.8313% | 1,089 |
| Net interest margin | 3.8444% | 1,375 |
| Noninterest income to average assets | 0.3895% | 3,155 |
| Noninterest expense to average assets | 1.6079% | 4,697 |
| Loan and lease loss provision to assets | 0.7920% | 158 |
| Net operating income to assets | 1.1214% | 1,831 |
| Return on assets (ROA) | 1.1353% | 1,904 |
| Pretax return on assets | 1.4632% | 1,458 |
| Return on Equity (ROE) | 7.0159% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.6590% | 3,002 |
| Net charge-offs to loans | 0.1568% | 1,046 |
| Credit loss provision to net charge-offs | 602.9350% | 1,101 |
| Earnings coverage of net charge-offs (x) | 19.5898% | 1,972 |
| Efficiency ratio | 40.8922% | 4,852 |
| Assets per employee ($millions) | 10.2423% | 487 |
| Cash dividends to net income (ytd only)* | 47.8462% | 1,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5400% | 1,458 |
| Loan loss allowance to noncurrent loans | 424.0171% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 2,813 |
| Noncurrent loans to loans | 0.3632% | 2,895 |
| Net loans and leases to total assets | 69.6301% | 1,606 |
| Net loans and leases to deposits | 88.1726% | 1,073 |
| Net loans and leases to core deposits | 109.5359% | 524 |
| Total domestic deposits to total assets | 78.9702% | 4,202 |
| Equity capital to assets | 15.7285% | 460 |
| Core capital (leverage) ratio | 13.6992% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8382% | 1,585 |
| Memoranda: |
| Average total assets | $25,711,304,600 | 81 |
| Average earning assets | $23,114,524,600 | 82 |
| Average equity | $4,160,544,600 | 59 |
| Average total loans | $18,727,787,200 | 74 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7319% | 999 |
| Cost of funding earning assets | 0.9164% | 1,015 |
| Net interest margin | 3.8155% | 1,576 |
| Noninterest income to average assets | 0.3760% | 3,203 |
| Noninterest expense to average assets | 1.6307% | 4,705 |
| Loan and lease loss provision to assets | 1.0356% | 124 |
| Net operating income to assets | 0.8828% | 2,764 |
| Return on assets (ROA) | 0.9015% | 2,824 |
| Pretax return on assets | 1.1577% | 2,539 |
| Return on Equity (ROE) | 5.5294% | 3,713 |
| Retained earnings to average equity (ytd only) | 2.1840% | 3,863 |
| Net charge-offs to loans | 0.1623% | 910 |
| Credit loss provision to net charge-offs | 809.6512% | 971 |
| Earnings coverage of net charge-offs (x) | 18.2113% | 1,968 |
| Efficiency ratio | 41.8998% | 4,854 |
| Assets per employee ($millions) | 9.8061% | 543 |
| Cash dividends to net income (ytd only)* | 60.5012% | 1,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5954% | 1,115 |
| Loan loss allowance to noncurrent loans | 551.6997% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,096 |
| Noncurrent loans to loans | 0.2892% | 3,240 |
| Net loans and leases to total assets | 70.8471% | 1,842 |
| Net loans and leases to deposits | 89.4876% | 1,324 |
| Net loans and leases to core deposits | 111.5856% | 645 |
| Total domestic deposits to total assets | 79.1697% | 4,030 |
| Equity capital to assets | 15.5692% | 531 |
| Core capital (leverage) ratio | 13.4229% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3401% | 1,714 |
| Memoranda: |
| Average total assets | $25,348,481,750 | 80 |
| Average earning assets | $22,749,808,000 | 80 |
| Average equity | $4,132,613,000 | 59 |
| Average total loans | $18,607,442,000 | 74 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8496% | 1,055 |
| Cost of funding earning assets | 1.0142% | 949 |
| Net interest margin | 3.8355% | 1,727 |
| Noninterest income to average assets | 0.3789% | 3,206 |
| Noninterest expense to average assets | 1.6459% | 4,737 |
| Loan and lease loss provision to assets | 1.5276% | 80 |
| Net operating income to assets | 0.4861% | 4,053 |
| Return on assets (ROA) | 0.5004% | 4,093 |
| Pretax return on assets | 0.6570% | 3,958 |
| Return on Equity (ROE) | 3.0200% | 4,350 |
| Retained earnings to average equity (ytd only) | -0.3068% | 4,362 |
| Net charge-offs to loans | 0.1986% | 771 |
| Credit loss provision to net charge-offs | 967.0689% | 814 |
| Earnings coverage of net charge-offs (x) | 14.7563% | 1,934 |
| Efficiency ratio | 42.0352% | 4,864 |
| Assets per employee ($millions) | 9.4115% | 604 |
| Cash dividends to net income (ytd only)* | 110.1574% | 391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5856% | 1,041 |
| Loan loss allowance to noncurrent loans | 482.0542% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,080 |
| Noncurrent loans to loans | 0.3289% | 3,211 |
| Net loans and leases to total assets | 72.0417% | 1,698 |
| Net loans and leases to deposits | 91.7065% | 1,194 |
| Net loans and leases to core deposits | 116.7953% | 504 |
| Total domestic deposits to total assets | 78.5568% | 4,104 |
| Equity capital to assets | 15.5823% | 527 |
| Core capital (leverage) ratio | 13.5559% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1602% | 1,740 |
| Memoranda: |
| Average total assets | $24,835,206,333 | 80 |
| Average earning assets | $22,232,839,667 | 79 |
| Average equity | $4,114,722,333 | 60 |
| Average total loans | $18,357,108,333 | 73 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0700% | 848 |
| Cost of funding earning assets | 1.1595% | 881 |
| Net interest margin | 3.9106% | 1,642 |
| Noninterest income to average assets | 0.4231% | 2,947 |
| Noninterest expense to average assets | 1.7192% | 4,752 |
| Loan and lease loss provision to assets | 1.9559% | 72 |
| Net operating income to assets | 0.1679% | 4,577 |
| Return on assets (ROA) | 0.1973% | 4,549 |
| Pretax return on assets | 0.2722% | 4,492 |
| Return on Equity (ROE) | 1.1529% | 4,609 |
| Retained earnings to average equity (ytd only) | -2.1046% | 4,266 |
| Net charge-offs to loans | 0.0960% | 1,112 |
| Credit loss provision to net charge-offs | 2,211.9786% | 321 |
| Earnings coverage of net charge-offs (x) | 30.7171% | 1,167 |
| Efficiency ratio | 42.7788% | 4,921 |
| Assets per employee ($millions) | 8.7829% | 569 |
| Cash dividends to net income (ytd only)* | 282.5383% | 160 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3097% | 2,097 |
| Loan loss allowance to noncurrent loans | 378.8935% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,094 |
| Noncurrent loans to loans | 0.3457% | 3,250 |
| Net loans and leases to total assets | 73.2297% | 1,743 |
| Net loans and leases to deposits | 95.6419% | 947 |
| Net loans and leases to core deposits | 124.0170% | 365 |
| Total domestic deposits to total assets | 76.5665% | 4,415 |
| Equity capital to assets | 16.6213% | 495 |
| Core capital (leverage) ratio | 14.6227% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3639% | 1,795 |
| Memoranda: |
| Average total assets | $24,062,605,000 | 80 |
| Average earning assets | $21,457,309,500 | 80 |
| Average equity | $4,116,750,500 | 60 |
| Average total loans | $17,880,123,500 | 73 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6489% | 440 |
| Cost of funding earning assets | 1.3526% | 652 |
| Net interest margin | 4.2963% | 1,095 |
| Noninterest income to average assets | 0.4631% | 2,940 |
| Noninterest expense to average assets | 1.7393% | 4,839 |
| Loan and lease loss provision to assets | 0.1138% | 1,852 |
| Net operating income to assets | 1.8442% | 486 |
| Return on assets (ROA) | 1.8467% | 506 |
| Pretax return on assets | 2.4469% | 229 |
| Return on Equity (ROE) | 10.7147% | 1,997 |
| Retained earnings to average equity (ytd only) | 7.6675% | 1,093 |
| Net charge-offs to loans | 0.1144% | 1,593 |
| Credit loss provision to net charge-offs | 131.3298% | 1,943 |
| Earnings coverage of net charge-offs (x) | 29.5213% | 1,597 |
| Efficiency ratio | 39.2749% | 5,078 |
| Assets per employee ($millions) | 8.4929% | 592 |
| Cash dividends to net income (ytd only)* | 28.4391% | 3,146 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6190% | 4,707 |
| Loan loss allowance to noncurrent loans | 189.4409% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,133 |
| Noncurrent loans to loans | 0.3268% | 3,269 |
| Net loans and leases to total assets | 73.9557% | 1,764 |
| Net loans and leases to deposits | 94.3124% | 1,128 |
| Net loans and leases to core deposits | 120.1102% | 477 |
| Total domestic deposits to total assets | 78.4157% | 4,293 |
| Equity capital to assets | 17.6165% | 403 |
| Core capital (leverage) ratio | 15.3644% | 615 |
| Tier 1 risk-based capital ratio | 13.7550% | 3,387 |
| Total risk-based capital ratio | 15.5695% | 3,019 |
| Memoranda: |
| Average total assets | $23,063,298,400 | 79 |
| Average earning assets | $20,579,959,800 | 78 |
| Average equity | $3,974,978,800 | 60 |
| Average total loans | $17,469,063,600 | 70 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7446% | 388 |
| Cost of funding earning assets | 1.3839% | 602 |
| Net interest margin | 4.3607% | 1,033 |
| Noninterest income to average assets | 0.4441% | 3,056 |
| Noninterest expense to average assets | 1.7246% | 4,898 |
| Loan and lease loss provision to assets | 0.1238% | 1,576 |
| Net operating income to assets | 1.8864% | 511 |
| Return on assets (ROA) | 1.8896% | 527 |
| Pretax return on assets | 2.4893% | 255 |
| Return on Equity (ROE) | 11.0262% | 2,010 |
| Retained earnings to average equity (ytd only) | 8.0115% | 1,386 |
| Net charge-offs to loans | 0.1113% | 1,357 |
| Credit loss provision to net charge-offs | 146.2415% | 1,667 |
| Earnings coverage of net charge-offs (x) | 30.8154% | 1,598 |
| Efficiency ratio | 38.5804% | 5,150 |
| Assets per employee ($millions) | 8.4885% | 573 |
| Cash dividends to net income (ytd only)* | 27.3414% | 2,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6146% | 4,785 |
| Loan loss allowance to noncurrent loans | 170.5326% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,862 |
| Noncurrent loans to loans | 0.3604% | 3,256 |
| Net loans and leases to total assets | 75.3155% | 1,599 |
| Net loans and leases to deposits | 95.5845% | 1,065 |
| Net loans and leases to core deposits | 122.5036% | 460 |
| Total domestic deposits to total assets | 78.7947% | 4,218 |
| Equity capital to assets | 17.4267% | 447 |
| Core capital (leverage) ratio | 15.1689% | 700 |
| Tier 1 risk-based capital ratio | 13.2849% | 3,696 |
| Total risk-based capital ratio | 15.0803% | 3,320 |
| Memoranda: |
| Average total assets | $22,939,273,000 | 79 |
| Average earning assets | $20,460,985,000 | 78 |
| Average equity | $3,931,135,750 | 61 |
| Average total loans | $17,453,318,750 | 71 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8236% | 327 |
| Cost of funding earning assets | 1.3932% | 550 |
| Net interest margin | 4.4304% | 886 |
| Noninterest income to average assets | 0.4386% | 3,020 |
| Noninterest expense to average assets | 1.7188% | 4,961 |
| Loan and lease loss provision to assets | 0.1181% | 1,585 |
| Net operating income to assets | 1.9369% | 439 |
| Return on assets (ROA) | 1.9417% | 455 |
| Pretax return on assets | 2.5616% | 215 |
| Return on Equity (ROE) | 11.3964% | 1,828 |
| Retained earnings to average equity (ytd only) | 8.4123% | 1,238 |
| Net charge-offs to loans | 0.1045% | 1,344 |
| Credit loss provision to net charge-offs | 148.2420% | 1,512 |
| Earnings coverage of net charge-offs (x) | 33.5696% | 1,377 |
| Efficiency ratio | 37.9011% | 5,190 |
| Assets per employee ($millions) | 8.5738% | 541 |
| Cash dividends to net income (ytd only)* | 26.1852% | 2,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6099% | 4,859 |
| Loan loss allowance to noncurrent loans | 145.6639% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,680 |
| Noncurrent loans to loans | 0.4187% | 3,034 |
| Net loans and leases to total assets | 75.6882% | 1,596 |
| Net loans and leases to deposits | 95.5590% | 1,091 |
| Net loans and leases to core deposits | 120.4286% | 532 |
| Total domestic deposits to total assets | 79.2057% | 4,183 |
| Equity capital to assets | 17.3916% | 430 |
| Core capital (leverage) ratio | 14.8514% | 738 |
| Tier 1 risk-based capital ratio | 13.1513% | 3,758 |
| Total risk-based capital ratio | 14.9626% | 3,367 |
| Memoranda: |
| Average total assets | $22,784,804,330 | 79 |
| Average earning assets | $20,333,323,000 | 78 |
| Average equity | $3,882,073,000 | 61 |
| Average total loans | $17,359,474,670 | 71 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8386% | 290 |
| Cost of funding earning assets | 1.3715% | 507 |
| Net interest margin | 4.4671% | 788 |
| Noninterest income to average assets | 0.4242% | 3,018 |
| Noninterest expense to average assets | 1.7038% | 5,014 |
| Loan and lease loss provision to assets | 0.1177% | 1,492 |
| Net operating income to assets | 1.9511% | 419 |
| Return on assets (ROA) | 1.9510% | 433 |
| Pretax return on assets | 2.5835% | 218 |
| Return on Equity (ROE) | 11.5726% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.6162% | 1,443 |
| Net charge-offs to loans | 0.0692% | 1,364 |
| Credit loss provision to net charge-offs | 223.2955% | 983 |
| Earnings coverage of net charge-offs (x) | 51.2306% | 1,009 |
| Efficiency ratio | 37.4192% | 5,246 |
| Assets per employee ($millions) | 8.8620% | 507 |
| Cash dividends to net income (ytd only)* | 25.5469% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6063% | 4,922 |
| Loan loss allowance to noncurrent loans | 131.0566% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 2,945 |
| Noncurrent loans to loans | 0.4626% | 2,927 |
| Net loans and leases to total assets | 75.5008% | 1,564 |
| Net loans and leases to deposits | 94.0064% | 1,177 |
| Net loans and leases to core deposits | 116.6200% | 628 |
| Total domestic deposits to total assets | 80.3145% | 4,114 |
| Equity capital to assets | 16.8769% | 462 |
| Core capital (leverage) ratio | 14.5183% | 808 |
| Tier 1 risk-based capital ratio | 12.6577% | 4,065 |
| Total risk-based capital ratio | 14.4465% | 3,682 |
| Memoranda: |
| Average total assets | $22,696,841,000 | 80 |
| Average earning assets | $20,226,978,500 | 79 |
| Average equity | $3,826,486,000 | 64 |
| Average total loans | $17,296,609,500 | 72 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6652% | 295 |
| Cost of funding earning assets | 1.0775% | 537 |
| Net interest margin | 4.5877% | 623 |
| Noninterest income to average assets | 0.4896% | 2,889 |
| Noninterest expense to average assets | 1.7306% | 5,062 |
| Loan and lease loss provision to assets | 0.2927% | 554 |
| Net operating income to assets | 1.8956% | 450 |
| Return on assets (ROA) | 1.8958% | 446 |
| Pretax return on assets | 2.5184% | 200 |
| Return on Equity (ROE) | 11.5701% | 1,880 |
| Retained earnings to average equity (ytd only) | 8.7347% | 961 |
| Net charge-offs to loans | 0.3378% | 566 |
| Credit loss provision to net charge-offs | 114.4792% | 2,269 |
| Earnings coverage of net charge-offs (x) | 10.9939% | 2,666 |
| Efficiency ratio | 36.8470% | 5,318 |
| Assets per employee ($millions) | 8.7351% | 507 |
| Cash dividends to net income (ytd only)* | 24.5065% | 3,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5974% | 4,976 |
| Loan loss allowance to noncurrent loans | 141.1233% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 2,977 |
| Noncurrent loans to loans | 0.4233% | 3,024 |
| Net loans and leases to total assets | 76.0029% | 1,613 |
| Net loans and leases to deposits | 94.8554% | 1,186 |
| Net loans and leases to core deposits | 117.3461% | 640 |
| Total domestic deposits to total assets | 80.1250% | 4,073 |
| Equity capital to assets | 16.8408% | 428 |
| Core capital (leverage) ratio | 14.2522% | 851 |
| Tier 1 risk-based capital ratio | 12.5576% | 4,097 |
| Total risk-based capital ratio | 14.3665% | 3,667 |
| Memoranda: |
| Average total assets | $22,001,347,200 | 80 |
| Average earning assets | $19,431,856,600 | 82 |
| Average equity | $3,605,032,000 | 64 |
| Average total loans | $16,651,922,400 | 73 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5849% | 305 |
| Cost of funding earning assets | 1.0061% | 582 |
| Net interest margin | 4.5788% | 622 |
| Noninterest income to average assets | 0.4879% | 2,933 |
| Noninterest expense to average assets | 1.7400% | 5,097 |
| Loan and lease loss provision to assets | 0.3477% | 391 |
| Net operating income to assets | 1.8385% | 565 |
| Return on assets (ROA) | 1.8387% | 564 |
| Pretax return on assets | 2.4366% | 260 |
| Return on Equity (ROE) | 11.3016% | 2,054 |
| Retained earnings to average equity (ytd only) | 8.4877% | 1,426 |
| Net charge-offs to loans | 0.4277% | 373 |
| Credit loss provision to net charge-offs | 107.6914% | 2,143 |
| Earnings coverage of net charge-offs (x) | 8.6225% | 2,689 |
| Efficiency ratio | 37.1914% | 5,377 |
| Assets per employee ($millions) | 8.8029% | 477 |
| Cash dividends to net income (ytd only)* | 24.8979% | 2,798 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5871% | 5,061 |
| Loan loss allowance to noncurrent loans | 138.3878% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 3,074 |
| Noncurrent loans to loans | 0.4243% | 3,137 |
| Net loans and leases to total assets | 75.2838% | 1,764 |
| Net loans and leases to deposits | 93.2933% | 1,469 |
| Net loans and leases to core deposits | 110.0871% | 1,026 |
| Total domestic deposits to total assets | 80.6958% | 3,954 |
| Equity capital to assets | 16.5422% | 452 |
| Core capital (leverage) ratio | 13.9465% | 950 |
| Tier 1 risk-based capital ratio | 12.1460% | 4,414 |
| Total risk-based capital ratio | 13.9332% | 3,991 |
| Memoranda: |
| Average total assets | $21,904,676,500 | 80 |
| Average earning assets | $19,308,500,250 | 82 |
| Average equity | $3,563,707,750 | 64 |
| Average total loans | $16,535,447,250 | 74 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5190% | 310 |
| Cost of funding earning assets | 0.9218% | 665 |
| Net interest margin | 4.5972% | 553 |
| Noninterest income to average assets | 0.5131% | 2,785 |
| Noninterest expense to average assets | 1.6748% | 5,214 |
| Loan and lease loss provision to assets | 0.1390% | 1,407 |
| Net operating income to assets | 2.0862% | 318 |
| Return on assets (ROA) | 2.0866% | 313 |
| Pretax return on assets | 2.7509% | 148 |
| Return on Equity (ROE) | 12.8982% | 1,404 |
| Retained earnings to average equity (ytd only) | 10.0974% | 904 |
| Net charge-offs to loans | 0.0566% | 1,799 |
| Credit loss provision to net charge-offs | 325.7566% | 950 |
| Earnings coverage of net charge-offs (x) | 67.7390% | 930 |
| Efficiency ratio | 35.4308% | 5,456 |
| Assets per employee ($millions) | 9.0107% | 444 |
| Cash dividends to net income (ytd only)* | 21.7148% | 2,942 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6242% | 5,059 |
| Loan loss allowance to noncurrent loans | 192.8704% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 3,413 |
| Noncurrent loans to loans | 0.3236% | 3,545 |
| Net loans and leases to total assets | 74.9728% | 1,796 |
| Net loans and leases to deposits | 93.0835% | 1,460 |
| Net loans and leases to core deposits | 107.8556% | 1,127 |
| Total domestic deposits to total assets | 80.5436% | 4,118 |
| Equity capital to assets | 16.2639% | 468 |
| Core capital (leverage) ratio | 13.8553% | 946 |
| Tier 1 risk-based capital ratio | 11.9095% | 4,558 |
| Total risk-based capital ratio | 13.7225% | 4,097 |
| Memoranda: |
| Average total assets | $21,844,055,670 | 80 |
| Average earning assets | $19,249,611,330 | 82 |
| Average equity | $3,533,745,330 | 64 |
| Average total loans | $16,471,999,670 | 73 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4011% | 332 |
| Cost of funding earning assets | 0.8330% | 825 |
| Net interest margin | 4.5682% | 536 |
| Noninterest income to average assets | 0.5292% | 2,635 |
| Noninterest expense to average assets | 1.7327% | 5,216 |
| Loan and lease loss provision to assets | 0.1028% | 1,806 |
| Net operating income to assets | 2.0894% | 302 |
| Return on assets (ROA) | 2.0899% | 303 |
| Pretax return on assets | 2.7174% | 151 |
| Return on Equity (ROE) | 12.9542% | 1,271 |
| Retained earnings to average equity (ytd only) | 10.1596% | 1,113 |
| Net charge-offs to loans | 0.0390% | 1,751 |
| Credit loss provision to net charge-offs | 350.1258% | 741 |
| Earnings coverage of net charge-offs (x) | 96.0101% | 631 |
| Efficiency ratio | 36.7844% | 5,507 |
| Assets per employee ($millions) | 9.1779% | 414 |
| Cash dividends to net income (ytd only)* | 21.5725% | 2,370 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5906% | 5,199 |
| Loan loss allowance to noncurrent loans | 174.1315% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 3,423 |
| Noncurrent loans to loans | 0.3392% | 3,546 |
| Net loans and leases to total assets | 74.9269% | 1,719 |
| Net loans and leases to deposits | 92.5833% | 1,377 |
| Net loans and leases to core deposits | 106.0738% | 1,231 |
| Total domestic deposits to total assets | 80.9292% | 4,224 |
| Equity capital to assets | 16.0037% | 484 |
| Core capital (leverage) ratio | 13.7989% | 918 |
| Tier 1 risk-based capital ratio | 11.3705% | 4,940 |
| Total risk-based capital ratio | 13.1349% | 4,506 |
| Memoranda: |
| Average total assets | $21,655,893,500 | 82 |
| Average earning assets | $19,072,402,000 | 84 |
| Average equity | $3,493,666,500 | 65 |
| Average total loans | $16,326,062,500 | 74 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2634% | 392 |
| Cost of funding earning assets | 0.6498% | 1,293 |
| Net interest margin | 4.6136% | 490 |
| Noninterest income to average assets | 0.5973% | 2,463 |
| Noninterest expense to average assets | 1.6613% | 5,370 |
| Loan and lease loss provision to assets | 0.1403% | 1,628 |
| Net operating income to assets | 2.0923% | 238 |
| Return on assets (ROA) | 2.1068% | 235 |
| Pretax return on assets | 2.8987% | 107 |
| Return on Equity (ROE) | 12.9131% | 971 |
| Retained earnings to average equity (ytd only) | 10.1972% | 327 |
| Net charge-offs to loans | 0.0688% | 2,471 |
| Credit loss provision to net charge-offs | 267.2120% | 1,047 |
| Earnings coverage of net charge-offs (x) | 57.5080% | 983 |
| Efficiency ratio | 34.1520% | 5,604 |
| Assets per employee ($millions) | 8.8649% | 469 |
| Cash dividends to net income (ytd only)* | 21.0320% | 3,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5867% | 5,267 |
| Loan loss allowance to noncurrent loans | 150.1021% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,215 |
| Noncurrent loans to loans | 0.3908% | 3,360 |
| Net loans and leases to total assets | 74.9632% | 1,757 |
| Net loans and leases to deposits | 92.7675% | 1,411 |
| Net loans and leases to core deposits | 106.3348% | 1,245 |
| Total domestic deposits to total assets | 80.8076% | 4,167 |
| Equity capital to assets | 16.2661% | 482 |
| Core capital (leverage) ratio | 13.8100% | 885 |
| Tier 1 risk-based capital ratio | 11.1941% | 5,038 |
| Total risk-based capital ratio | 12.9733% | 4,583 |
| Memoranda: |
| Average total assets | $20,025,286,200 | 82 |
| Average earning assets | $17,722,533,600 | 82 |
| Average equity | $3,267,149,800 | 61 |
| Average total loans | $15,273,207,600 | 75 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2237% | 402 |
| Cost of funding earning assets | 0.6181% | 1,413 |
| Net interest margin | 4.6056% | 483 |
| Noninterest income to average assets | 0.6130% | 2,402 |
| Noninterest expense to average assets | 1.6672% | 5,395 |
| Loan and lease loss provision to assets | 0.1272% | 1,700 |
| Net operating income to assets | 1.8530% | 423 |
| Return on assets (ROA) | 1.8649% | 425 |
| Pretax return on assets | 2.9143% | 124 |
| Return on Equity (ROE) | 11.4214% | 1,519 |
| Retained earnings to average equity (ytd only) | 8.7281% | 933 |
| Net charge-offs to loans | 0.0758% | 2,055 |
| Credit loss provision to net charge-offs | 219.5216% | 1,259 |
| Earnings coverage of net charge-offs (x) | 52.1489% | 1,087 |
| Efficiency ratio | 34.1874% | 5,662 |
| Assets per employee ($millions) | 8.6141% | 499 |
| Cash dividends to net income (ytd only)* | 23.5809% | 3,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5500% | 5,409 |
| Loan loss allowance to noncurrent loans | 136.8531% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 3,275 |
| Noncurrent loans to loans | 0.4019% | 3,500 |
| Net loans and leases to total assets | 75.5560% | 1,675 |
| Net loans and leases to deposits | 93.2742% | 1,387 |
| Net loans and leases to core deposits | 109.0018% | 1,090 |
| Total domestic deposits to total assets | 81.0042% | 4,044 |
| Equity capital to assets | 16.0567% | 536 |
| Core capital (leverage) ratio | 13.4480% | 1,041 |
| Tier 1 risk-based capital ratio | 11.0175% | 5,237 |
| Total risk-based capital ratio | 12.8293% | 4,790 |
| Memoranda: |
| Average total assets | $19,712,696,000 | 81 |
| Average earning assets | $17,450,260,750 | 82 |
| Average equity | $3,218,755,250 | 62 |
| Average total loans | $15,080,752,250 | 75 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1666% | 421 |
| Cost of funding earning assets | 0.5733% | 1,621 |
| Net interest margin | 4.5933% | 481 |
| Noninterest income to average assets | 0.6236% | 2,356 |
| Noninterest expense to average assets | 1.6745% | 5,437 |
| Loan and lease loss provision to assets | 0.1140% | 1,801 |
| Net operating income to assets | 1.8540% | 406 |
| Return on assets (ROA) | 1.8565% | 416 |
| Pretax return on assets | 2.8989% | 126 |
| Return on Equity (ROE) | 11.3028% | 1,530 |
| Retained earnings to average equity (ytd only) | 8.6655% | 950 |
| Net charge-offs to loans | 0.0708% | 1,929 |
| Credit loss provision to net charge-offs | 209.9296% | 1,226 |
| Earnings coverage of net charge-offs (x) | 55.4071% | 1,002 |
| Efficiency ratio | 34.3660% | 5,708 |
| Assets per employee ($millions) | 8.3794% | 528 |
| Cash dividends to net income (ytd only)* | 23.3330% | 2,996 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5421% | 5,465 |
| Loan loss allowance to noncurrent loans | 136.7874% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 3,244 |
| Noncurrent loans to loans | 0.3963% | 3,606 |
| Net loans and leases to total assets | 75.2520% | 1,656 |
| Net loans and leases to deposits | 92.9838% | 1,363 |
| Net loans and leases to core deposits | 112.2618% | 894 |
| Total domestic deposits to total assets | 80.9303% | 4,196 |
| Equity capital to assets | 16.2449% | 505 |
| Core capital (leverage) ratio | 13.8081% | 908 |
| Tier 1 risk-based capital ratio | 11.1378% | 5,183 |
| Total risk-based capital ratio | 13.0069% | 4,689 |
| Memoranda: |
| Average total assets | $19,360,763,670 | 82 |
| Average earning assets | $17,111,812,000 | 84 |
| Average equity | $3,180,093,670 | 61 |
| Average total loans | $14,848,126,330 | 75 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0957% | 446 |
| Cost of funding earning assets | 0.4440% | 2,579 |
| Net interest margin | 4.6518% | 405 |
| Noninterest income to average assets | 0.6230% | 2,304 |
| Noninterest expense to average assets | 1.5494% | 5,601 |
| Loan and lease loss provision to assets | 0.1038% | 1,839 |
| Net operating income to assets | 1.9771% | 317 |
| Return on assets (ROA) | 1.9766% | 329 |
| Pretax return on assets | 3.0772% | 125 |
| Return on Equity (ROE) | 11.9644% | 1,249 |
| Retained earnings to average equity (ytd only) | 8.6855% | 1,196 |
| Net charge-offs to loans | 0.0886% | 1,461 |
| Credit loss provision to net charge-offs | 151.7846% | 1,205 |
| Earnings coverage of net charge-offs (x) | 46.5151% | 941 |
| Efficiency ratio | 31.3532% | 5,798 |
| Assets per employee ($millions) | 8.1652% | 573 |
| Cash dividends to net income (ytd only)* | 27.4054% | 2,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5287% | 5,570 |
| Loan loss allowance to noncurrent loans | 118.7912% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 3,091 |
| Noncurrent loans to loans | 0.4450% | 3,500 |
| Net loans and leases to total assets | 76.9033% | 1,273 |
| Net loans and leases to deposits | 93.5594% | 1,157 |
| Net loans and leases to core deposits | 117.3310% | 546 |
| Total domestic deposits to total assets | 82.1973% | 4,111 |
| Equity capital to assets | 16.6052% | 420 |
| Core capital (leverage) ratio | 13.6561% | 924 |
| Tier 1 risk-based capital ratio | 11.3608% | 5,112 |
| Total risk-based capital ratio | 11.7216% | 5,480 |
| Memoranda: |
| Average total assets | $19,006,848,000 | 83 |
| Average earning assets | $16,784,524,500 | 85 |
| Average equity | $3,140,078,500 | 61 |
| Average total loans | $14,680,018,500 | 75 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2395% | 386 |
| Cost of funding earning assets | 0.3941% | 3,052 |
| Net interest margin | 4.8455% | 320 |
| Noninterest income to average assets | 0.7337% | 2,025 |
| Noninterest expense to average assets | 1.6930% | 5,572 |
| Loan and lease loss provision to assets | 0.1679% | 1,457 |
| Net operating income to assets | 2.0244% | 302 |
| Return on assets (ROA) | 2.0237% | 314 |
| Pretax return on assets | 3.1972% | 99 |
| Return on Equity (ROE) | 12.8007% | 1,044 |
| Retained earnings to average equity (ytd only) | 9.6152% | 476 |
| Net charge-offs to loans | 0.0723% | 2,665 |
| Credit loss provision to net charge-offs | 293.5472% | 1,001 |
| Earnings coverage of net charge-offs (x) | 58.8506% | 908 |
| Efficiency ratio | 32.2065% | 5,858 |
| Assets per employee ($millions) | 8.1531% | 568 |
| Cash dividends to net income (ytd only)* | 24.8852% | 3,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5256% | 5,635 |
| Loan loss allowance to noncurrent loans | 108.6119% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 2,925 |
| Noncurrent loans to loans | 0.4839% | 3,421 |
| Net loans and leases to total assets | 76.7522% | 1,400 |
| Net loans and leases to deposits | 92.8802% | 1,313 |
| Net loans and leases to core deposits | 116.1062% | 613 |
| Total domestic deposits to total assets | 82.6357% | 3,880 |
| Equity capital to assets | 16.4352% | 441 |
| Core capital (leverage) ratio | 13.7710% | 878 |
| Tier 1 risk-based capital ratio | 11.4807% | 5,069 |
| Total risk-based capital ratio | 11.8461% | 5,456 |
| Memoranda: |
| Average total assets | $14,171,581,400 | 96 |
| Average earning assets | $12,649,714,000 | 95 |
| Average equity | $2,240,485,200 | 76 |
| Average total loans | $11,211,415,200 | 83 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1176% | 478 |
| Cost of funding earning assets | 0.3838% | 3,192 |
| Net interest margin | 4.7337% | 411 |
| Noninterest income to average assets | 0.7479% | 1,973 |
| Noninterest expense to average assets | 1.6932% | 5,614 |
| Loan and lease loss provision to assets | 0.1430% | 1,636 |
| Net operating income to assets | 1.9917% | 349 |
| Return on assets (ROA) | 1.9913% | 361 |
| Pretax return on assets | 3.1552% | 109 |
| Return on Equity (ROE) | 12.7790% | 1,111 |
| Retained earnings to average equity (ytd only) | 7.8761% | 1,221 |
| Net charge-offs to loans | 0.0647% | 2,420 |
| Credit loss provision to net charge-offs | 277.0225% | 1,108 |
| Earnings coverage of net charge-offs (x) | 63.9074% | 909 |
| Efficiency ratio | 32.7118% | 5,919 |
| Assets per employee ($millions) | 7.9611% | 602 |
| Cash dividends to net income (ytd only)* | 38.3665% | 2,424 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4927% | 5,734 |
| Loan loss allowance to noncurrent loans | 104.7888% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 3,111 |
| Noncurrent loans to loans | 0.4702% | 3,603 |
| Net loans and leases to total assets | 76.4505% | 1,448 |
| Net loans and leases to deposits | 93.0892% | 1,359 |
| Net loans and leases to core deposits | 117.2464% | 602 |
| Total domestic deposits to total assets | 82.1260% | 3,908 |
| Equity capital to assets | 16.6783% | 464 |
| Core capital (leverage) ratio | 14.5588% | 710 |
| Tier 1 risk-based capital ratio | 11.7707% | 4,937 |
| Total risk-based capital ratio | 12.1222% | 5,351 |
| Memoranda: |
| Average total assets | $12,995,857,000 | 99 |
| Average earning assets | $11,651,103,500 | 99 |
| Average equity | $2,025,091,250 | 78 |
| Average total loans | $10,373,490,000 | 88 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9873% | 607 |
| Cost of funding earning assets | 0.3689% | 3,364 |
| Net interest margin | 4.6184% | 490 |
| Noninterest income to average assets | 0.7708% | 1,843 |
| Noninterest expense to average assets | 1.6197% | 5,747 |
| Loan and lease loss provision to assets | 0.1225% | 1,858 |
| Net operating income to assets | 2.0132% | 326 |
| Return on assets (ROA) | 2.0127% | 340 |
| Pretax return on assets | 3.2138% | 110 |
| Return on Equity (ROE) | 13.4354% | 942 |
| Retained earnings to average equity (ytd only) | 10.0836% | 578 |
| Net charge-offs to loans | 0.0565% | 2,386 |
| Credit loss provision to net charge-offs | 266.3686% | 1,057 |
| Earnings coverage of net charge-offs (x) | 72.5513% | 755 |
| Efficiency ratio | 31.4945% | 6,005 |
| Assets per employee ($millions) | 7.3804% | 737 |
| Cash dividends to net income (ytd only)* | 24.9476% | 3,022 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6694% | 5,575 |
| Loan loss allowance to noncurrent loans | 236.5892% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 3,852 |
| Noncurrent loans to loans | 0.2829% | 4,358 |
| Net loans and leases to total assets | 78.7926% | 1,099 |
| Net loans and leases to deposits | 94.6670% | 1,222 |
| Net loans and leases to core deposits | 122.9935% | 437 |
| Total domestic deposits to total assets | 83.2314% | 3,563 |
| Equity capital to assets | 15.2450% | 684 |
| Core capital (leverage) ratio | 15.0039% | 614 |
| Tier 1 risk-based capital ratio | 11.8320% | 4,952 |
| Total risk-based capital ratio | 12.2882% | 5,322 |
| Memoranda: |
| Average total assets | $11,184,469,670 | 106 |
| Average earning assets | $10,136,806,330 | 106 |
| Average equity | $1,675,519,330 | 94 |
| Average total loans | $9,111,454,330 | 99 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0700% | 515 |
| Cost of funding earning assets | 0.3402% | 3,715 |
| Net interest margin | 4.7299% | 407 |
| Noninterest income to average assets | 0.7529% | 1,809 |
| Noninterest expense to average assets | 1.6567% | 5,787 |
| Loan and lease loss provision to assets | 0.0758% | 2,437 |
| Net operating income to assets | 2.0486% | 305 |
| Return on assets (ROA) | 2.0483% | 319 |
| Pretax return on assets | 3.2900% | 108 |
| Return on Equity (ROE) | 13.8135% | 871 |
| Retained earnings to average equity (ytd only) | 10.8482% | 680 |
| Net charge-offs to loans | 0.0505% | 2,029 |
| Credit loss provision to net charge-offs | 181.5482% | 1,148 |
| Earnings coverage of net charge-offs (x) | 80.6193% | 635 |
| Efficiency ratio | 31.6928% | 6,063 |
| Assets per employee ($millions) | 6.9361% | 920 |
| Cash dividends to net income (ytd only)* | 21.4663% | 2,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6663% | 5,657 |
| Loan loss allowance to noncurrent loans | 179.8433% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,630 |
| Noncurrent loans to loans | 0.3705% | 4,106 |
| Net loans and leases to total assets | 80.6523% | 721 |
| Net loans and leases to deposits | 95.5311% | 988 |
| Net loans and leases to core deposits | 125.3412% | 348 |
| Total domestic deposits to total assets | 84.4251% | 3,342 |
| Equity capital to assets | 14.0225% | 974 |
| Core capital (leverage) ratio | 13.8224% | 857 |
| Tier 1 risk-based capital ratio | 10.7121% | 5,657 |
| Total risk-based capital ratio | 11.1766% | 5,894 |
| Memoranda: |
| Average total assets | $10,643,599,500 | 108 |
| Average earning assets | $9,608,588,000 | 109 |
| Average equity | $1,578,286,000 | 99 |
| Average total loans | $8,802,179,500 | 100 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2748% | 383 |
| Cost of funding earning assets | 0.3074% | 4,173 |
| Net interest margin | 4.9673% | 269 |
| Noninterest income to average assets | 1.1364% | 917 |
| Noninterest expense to average assets | 2.0264% | 5,403 |
| Loan and lease loss provision to assets | 0.2204% | 930 |
| Net operating income to assets | 2.1421% | 271 |
| Return on assets (ROA) | 2.1819% | 262 |
| Pretax return on assets | 3.3351% | 96 |
| Return on Equity (ROE) | 14.5203% | 761 |
| Retained earnings to average equity (ytd only) | 11.8687% | 267 |
| Net charge-offs to loans | 0.1656% | 1,709 |
| Credit loss provision to net charge-offs | 169.1349% | 1,595 |
| Earnings coverage of net charge-offs (x) | 26.8139% | 1,570 |
| Efficiency ratio | 35.3379% | 6,112 |
| Assets per employee ($millions) | 6.0112% | 1,378 |
| Cash dividends to net income (ytd only)* | 18.2613% | 3,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7301% | 5,581 |
| Loan loss allowance to noncurrent loans | 134.1371% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,987 |
| Noncurrent loans to loans | 0.5443% | 3,529 |
| Net loans and leases to total assets | 83.8248% | 408 |
| Net loans and leases to deposits | 103.5513% | 462 |
| Net loans and leases to core deposits | 123.2002% | 403 |
| Total domestic deposits to total assets | 80.9500% | 4,503 |
| Equity capital to assets | 15.7608% | 554 |
| Core capital (leverage) ratio | 14.6233% | 684 |
| Tier 1 risk-based capital ratio | 11.3573% | 5,340 |
| Total risk-based capital ratio | 11.8563% | 5,646 |
| Memoranda: |
| Average total assets | $8,809,365,400 | 121 |
| Average earning assets | $7,774,684,800 | 122 |
| Average equity | $1,323,731,800 | 107 |
| Average total loans | $6,930,148,000 | 112 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2470% | 408 |
| Cost of funding earning assets | 0.2976% | 4,367 |
| Net interest margin | 4.9494% | 286 |
| Noninterest income to average assets | 1.1285% | 945 |
| Noninterest expense to average assets | 2.0346% | 5,413 |
| Loan and lease loss provision to assets | 0.2217% | 845 |
| Net operating income to assets | 2.1283% | 290 |
| Return on assets (ROA) | 2.1544% | 294 |
| Pretax return on assets | 3.2595% | 102 |
| Return on Equity (ROE) | 14.5428% | 801 |
| Retained earnings to average equity (ytd only) | 12.0779% | 357 |
| Net charge-offs to loans | 0.1643% | 1,512 |
| Credit loss provision to net charge-offs | 175.2498% | 1,500 |
| Earnings coverage of net charge-offs (x) | 27.2075% | 1,593 |
| Efficiency ratio | 35.7506% | 6,185 |
| Assets per employee ($millions) | 5.6380% | 1,649 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7968% | 5,522 |
| Loan loss allowance to noncurrent loans | 101.4735% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 2,664 |
| Noncurrent loans to loans | 0.7852% | 3,000 |
| Net loans and leases to total assets | 78.7936% | 987 |
| Net loans and leases to deposits | 96.4005% | 967 |
| Net loans and leases to core deposits | 111.1270% | 807 |
| Total domestic deposits to total assets | 81.7357% | 4,246 |
| Equity capital to assets | 15.0875% | 719 |
| Core capital (leverage) ratio | 14.0378% | 850 |
| Tier 1 risk-based capital ratio | 11.4219% | 5,416 |
| Total risk-based capital ratio | 11.9703% | 5,724 |
| Memoranda: |
| Average total assets | $8,544,113,500 | 127 |
| Average earning assets | $7,504,602,500 | 128 |
| Average equity | $1,265,752,750 | 114 |
| Average total loans | $6,579,017,500 | 116 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5558% | 241 |
| Cost of funding earning assets | 0.3082% | 4,308 |
| Net interest margin | 5.2476% | 174 |
| Noninterest income to average assets | 1.2613% | 765 |
| Noninterest expense to average assets | 2.2217% | 5,050 |
| Loan and lease loss provision to assets | 0.2683% | 617 |
| Net operating income to assets | 2.2163% | 245 |
| Return on assets (ROA) | 2.2587% | 247 |
| Pretax return on assets | 3.4103% | 101 |
| Return on Equity (ROE) | 15.2527% | 704 |
| Retained earnings to average equity (ytd only) | 13.2572% | 285 |
| Net charge-offs to loans | 0.2255% | 1,135 |
| Credit loss provision to net charge-offs | 156.4046% | 1,493 |
| Earnings coverage of net charge-offs (x) | 21.0670% | 1,690 |
| Efficiency ratio | 36.6718% | 6,255 |
| Assets per employee ($millions) | 5.5350% | 1,703 |
| Cash dividends to net income (ytd only)* | 13.0829% | 3,388 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8606% | 5,434 |
| Loan loss allowance to noncurrent loans | 104.3084% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,687 |
| Noncurrent loans to loans | 0.8251% | 3,060 |
| Net loans and leases to total assets | 75.1311% | 1,488 |
| Net loans and leases to deposits | 92.0660% | 1,369 |
| Net loans and leases to core deposits | 104.6672% | 1,151 |
| Total domestic deposits to total assets | 81.6057% | 4,418 |
| Equity capital to assets | 14.9723% | 710 |
| Core capital (leverage) ratio | 14.1319% | 805 |
| Tier 1 risk-based capital ratio | 12.2035% | 4,999 |
| Total risk-based capital ratio | 12.8064% | 5,346 |
| Memoranda: |
| Average total assets | $7,918,884,330 | 136 |
| Average earning assets | $6,902,751,330 | 138 |
| Average equity | $1,172,645,000 | 121 |
| Average total loans | $6,025,013,670 | 126 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6423% | 212 |
| Cost of funding earning assets | 0.3240% | 4,174 |
| Net interest margin | 5.3183% | 152 |
| Noninterest income to average assets | 1.4170% | 583 |
| Noninterest expense to average assets | 2.5158% | 4,216 |
| Loan and lease loss provision to assets | 0.3356% | 400 |
| Net operating income to assets | 2.1516% | 252 |
| Return on assets (ROA) | 2.2419% | 229 |
| Pretax return on assets | 3.2836% | 117 |
| Return on Equity (ROE) | 15.2371% | 679 |
| Retained earnings to average equity (ytd only) | 15.2371% | 267 |
| Net charge-offs to loans | 0.3544% | 690 |
| Credit loss provision to net charge-offs | 124.1644% | 1,416 |
| Earnings coverage of net charge-offs (x) | 12.8982% | 1,759 |
| Efficiency ratio | 40.5061% | 6,258 |
| Assets per employee ($millions) | 5.3171% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8523% | 5,564 |
| Loan loss allowance to noncurrent loans | 107.1327% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 2,637 |
| Noncurrent loans to loans | 0.7955% | 3,254 |
| Net loans and leases to total assets | 75.9416% | 1,217 |
| Net loans and leases to deposits | 93.6837% | 1,018 |
| Net loans and leases to core deposits | 102.4084% | 1,153 |
| Total domestic deposits to total assets | 81.0617% | 4,808 |
| Equity capital to assets | 15.3404% | 653 |
| Core capital (leverage) ratio | 14.8720% | 627 |
| Tier 1 risk-based capital ratio | 12.6245% | 4,826 |
| Total risk-based capital ratio | 13.2412% | 5,140 |
| Memoranda: |
| Average total assets | $7,527,785,500 | 140 |
| Average earning assets | $6,489,187,000 | 145 |
| Average equity | $1,107,589,500 | 126 |
| Average total loans | $5,740,535,000 | 128 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7866% | 198 |
| Cost of funding earning assets | 0.3822% | 3,883 |
| Net interest margin | 5.4044% | 158 |
| Noninterest income to average assets | 1.4492% | 578 |
| Noninterest expense to average assets | 2.6787% | 3,947 |
| Loan and lease loss provision to assets | 0.2874% | 726 |
| Net operating income to assets | 2.1235% | 261 |
| Return on assets (ROA) | 2.1255% | 263 |
| Pretax return on assets | 3.1138% | 104 |
| Return on Equity (ROE) | 15.3006% | 730 |
| Retained earnings to average equity (ytd only) | 3.0680% | 4,056 |
| Net charge-offs to loans | 0.1611% | 2,420 |
| Credit loss provision to net charge-offs | 243.6618% | 1,046 |
| Earnings coverage of net charge-offs (x) | 28.8096% | 1,385 |
| Efficiency ratio | 42.6806% | 6,356 |
| Assets per employee ($millions) | 4.5713% | 2,920 |
| Cash dividends to net income (ytd only)* | 79.9488% | 903 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0320% | 4,896 |
| Loan loss allowance to noncurrent loans | 91.4919% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 1,957 |
| Noncurrent loans to loans | 1.1279% | 2,584 |
| Net loans and leases to total assets | 75.0625% | 1,412 |
| Net loans and leases to deposits | 91.9454% | 1,295 |
| Net loans and leases to core deposits | 101.1230% | 1,311 |
| Total domestic deposits to total assets | 81.6381% | 4,556 |
| Equity capital to assets | 13.9440% | 972 |
| Core capital (leverage) ratio | 13.1570% | 1,083 |
| Tier 1 risk-based capital ratio | 11.3621% | 5,734 |
| Total risk-based capital ratio | 12.0917% | 5,901 |
| Memoranda: |
| Average total assets | $5,884,843,200 | 168 |
| Average earning assets | $5,039,421,600 | 169 |
| Average equity | $817,483,000 | 154 |
| Average total loans | $4,310,291,600 | 162 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7213% | 221 |
| Cost of funding earning assets | 0.3819% | 4,000 |
| Net interest margin | 5.3394% | 166 |
| Noninterest income to average assets | 1.3495% | 673 |
| Noninterest expense to average assets | 2.6267% | 4,105 |
| Loan and lease loss provision to assets | 0.2488% | 873 |
| Net operating income to assets | 2.0807% | 296 |
| Return on assets (ROA) | 2.0825% | 303 |
| Pretax return on assets | 3.0219% | 116 |
| Return on Equity (ROE) | 15.0081% | 824 |
| Retained earnings to average equity (ytd only) | -1.9514% | 6,069 |
| Net charge-offs to loans | 0.1271% | 2,524 |
| Credit loss provision to net charge-offs | 270.2274% | 989 |
| Earnings coverage of net charge-offs (x) | 35.4958% | 1,218 |
| Efficiency ratio | 43.1739% | 6,389 |
| Assets per employee ($millions) | 4.3447% | 3,218 |
| Cash dividends to net income (ytd only)* | 113.0020% | 246 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0085% | 5,176 |
| Loan loss allowance to noncurrent loans | 67.0234% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7743% | 1,687 |
| Noncurrent loans to loans | 1.5047% | 2,157 |
| Net loans and leases to total assets | 74.0744% | 1,517 |
| Net loans and leases to deposits | 94.1215% | 1,032 |
| Net loans and leases to core deposits | 99.7663% | 1,387 |
| Total domestic deposits to total assets | 78.7008% | 5,392 |
| Equity capital to assets | 13.7175% | 1,104 |
| Core capital (leverage) ratio | 12.4253% | 1,444 |
| Tier 1 risk-based capital ratio | 11.7513% | 5,639 |
| Total risk-based capital ratio | 12.4939% | 5,839 |
| Memoranda: |
| Average total assets | $5,665,834,250 | 172 |
| Average earning assets | $4,823,669,250 | 172 |
| Average equity | $786,169,750 | 156 |
| Average total loans | $4,105,914,250 | 166 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6024% | 262 |
| Cost of funding earning assets | 0.3879% | 4,021 |
| Net interest margin | 5.2145% | 194 |
| Noninterest income to average assets | 1.4230% | 597 |
| Noninterest expense to average assets | 2.6520% | 4,047 |
| Loan and lease loss provision to assets | 0.2568% | 840 |
| Net operating income to assets | 2.0474% | 304 |
| Return on assets (ROA) | 2.0486% | 319 |
| Pretax return on assets | 2.9171% | 124 |
| Return on Equity (ROE) | 14.6956% | 839 |
| Retained earnings to average equity (ytd only) | -9.3798% | 6,406 |
| Net charge-offs to loans | 0.1499% | 2,188 |
| Credit loss provision to net charge-offs | 239.6312% | 1,020 |
| Earnings coverage of net charge-offs (x) | 29.6009% | 1,266 |
| Efficiency ratio | 44.2951% | 6,409 |
| Assets per employee ($millions) | 3.9635% | 3,922 |
| Cash dividends to net income (ytd only)* | 163.8270% | 177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0263% | 5,231 |
| Loan loss allowance to noncurrent loans | 55.3907% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 1,340 |
| Noncurrent loans to loans | 1.8528% | 1,854 |
| Net loans and leases to total assets | 72.0432% | 1,740 |
| Net loans and leases to deposits | 90.4405% | 1,329 |
| Net loans and leases to core deposits | 96.4144% | 1,571 |
| Total domestic deposits to total assets | 79.6581% | 5,314 |
| Equity capital to assets | 13.9586% | 982 |
| Core capital (leverage) ratio | 13.7614% | 895 |
| Tier 1 risk-based capital ratio | 12.8407% | 5,014 |
| Total risk-based capital ratio | 13.6342% | 5,230 |
| Memoranda: |
| Average total assets | $5,363,258,670 | 174 |
| Average earning assets | $4,526,948,670 | 179 |
| Average equity | $747,650,670 | 159 |
| Average total loans | $3,834,908,000 | 172 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5837% | 260 |
| Cost of funding earning assets | 0.4158% | 3,810 |
| Net interest margin | 5.1679% | 195 |
| Noninterest income to average assets | 1.6782% | 445 |
| Noninterest expense to average assets | 2.8870% | 3,262 |
| Loan and lease loss provision to assets | 0.1065% | 2,144 |
| Net operating income to assets | 2.1885% | 242 |
| Return on assets (ROA) | 2.1895% | 252 |
| Pretax return on assets | 2.9941% | 139 |
| Return on Equity (ROE) | 15.7194% | 677 |
| Retained earnings to average equity (ytd only) | -1.8566% | 5,842 |
| Net charge-offs to loans | 0.0449% | 2,755 |
| Credit loss provision to net charge-offs | 335.4756% | 735 |
| Earnings coverage of net charge-offs (x) | 97.6452% | 468 |
| Efficiency ratio | 47.1164% | 6,393 |
| Assets per employee ($millions) | 3.8463% | 4,239 |
| Cash dividends to net income (ytd only)* | 111.8110% | 572 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2279% | 4,504 |
| Loan loss allowance to noncurrent loans | 47.9224% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 3.0312% | 940 |
| Noncurrent loans to loans | 2.5623% | 1,343 |
| Net loans and leases to total assets | 70.2354% | 1,846 |
| Net loans and leases to deposits | 89.8247% | 1,169 |
| Net loans and leases to core deposits | 93.1552% | 1,627 |
| Total domestic deposits to total assets | 78.1916% | 5,801 |
| Equity capital to assets | 13.8418% | 971 |
| Core capital (leverage) ratio | 14.0328% | 813 |
| Tier 1 risk-based capital ratio | 14.7812% | 3,828 |
| Total risk-based capital ratio | 15.7457% | 3,966 |
| Memoranda: |
| Average total assets | $4,901,846,000 | 185 |
| Average earning assets | $4,086,570,500 | 196 |
| Average equity | $682,750,500 | 166 |
| Average total loans | $3,464,535,000 | 182 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0435% | 160 |
| Cost of funding earning assets | 0.4814% | 3,803 |
| Net interest margin | 5.5621% | 118 |
| Noninterest income to average assets | 1.7025% | 503 |
| Noninterest expense to average assets | 2.7986% | 3,730 |
| Loan and lease loss provision to assets | 0.2826% | 1,221 |
| Net operating income to assets | 2.1639% | 255 |
| Return on assets (ROA) | 2.1657% | 257 |
| Pretax return on assets | 3.1979% | 101 |
| Return on Equity (ROE) | 15.2816% | 715 |
| Retained earnings to average equity (ytd only) | 9.6670% | 629 |
| Net charge-offs to loans | 0.2606% | 2,404 |
| Credit loss provision to net charge-offs | 153.4698% | 1,508 |
| Earnings coverage of net charge-offs (x) | 18.8849% | 1,636 |
| Efficiency ratio | 43.5460% | 6,623 |
| Assets per employee ($millions) | 3.9087% | 4,053 |
| Cash dividends to net income (ytd only)* | 36.7413% | 2,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2792% | 4,249 |
| Loan loss allowance to noncurrent loans | 40.5624% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 3.2551% | 935 |
| Noncurrent loans to loans | 3.1538% | 1,084 |
| Net loans and leases to total assets | 69.3276% | 2,120 |
| Net loans and leases to deposits | 88.8426% | 1,372 |
| Net loans and leases to core deposits | 94.2562% | 1,584 |
| Total domestic deposits to total assets | 78.0341% | 5,823 |
| Equity capital to assets | 14.0195% | 892 |
| Core capital (leverage) ratio | 13.7784% | 885 |
| Tier 1 risk-based capital ratio | 15.6913% | 3,258 |
| Total risk-based capital ratio | 16.7188% | 3,343 |
| Memoranda: |
| Average total assets | $4,272,856,800 | 201 |
| Average earning assets | $3,513,435,800 | 207 |
| Average equity | $605,557,800 | 172 |
| Average total loans | $3,019,453,200 | 188 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9693% | 191 |
| Cost of funding earning assets | 0.4920% | 3,851 |
| Net interest margin | 5.4774% | 139 |
| Noninterest income to average assets | 1.7275% | 515 |
| Noninterest expense to average assets | 2.7762% | 3,743 |
| Loan and lease loss provision to assets | 0.2962% | 1,154 |
| Net operating income to assets | 2.1487% | 284 |
| Return on assets (ROA) | 2.1509% | 292 |
| Pretax return on assets | 3.1497% | 119 |
| Return on Equity (ROE) | 15.1300% | 779 |
| Retained earnings to average equity (ytd only) | 9.2485% | 984 |
| Net charge-offs to loans | 0.2857% | 2,113 |
| Credit loss provision to net charge-offs | 146.4547% | 1,609 |
| Earnings coverage of net charge-offs (x) | 17.0165% | 1,760 |
| Efficiency ratio | 43.6502% | 6,666 |
| Assets per employee ($millions) | 3.7738% | 4,293 |
| Cash dividends to net income (ytd only)* | 38.8733% | 2,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2507% | 4,638 |
| Loan loss allowance to noncurrent loans | 32.8034% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 3.8044% | 853 |
| Noncurrent loans to loans | 3.8127% | 948 |
| Net loans and leases to total assets | 69.9524% | 1,980 |
| Net loans and leases to deposits | 89.6696% | 1,206 |
| Net loans and leases to core deposits | 96.3633% | 1,360 |
| Total domestic deposits to total assets | 78.0113% | 5,901 |
| Equity capital to assets | 13.9456% | 976 |
| Core capital (leverage) ratio | 14.4198% | 754 |
| Tier 1 risk-based capital ratio | 15.6016% | 3,407 |
| Total risk-based capital ratio | 16.6215% | 3,485 |
| Memoranda: |
| Average total assets | $4,145,971,250 | 198 |
| Average earning assets | $3,399,147,500 | 207 |
| Average equity | $589,400,500 | 173 |
| Average total loans | $2,935,046,750 | 185 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0211% | 178 |
| Cost of funding earning assets | 0.5144% | 3,763 |
| Net interest margin | 5.5067% | 131 |
| Noninterest income to average assets | 1.7960% | 516 |
| Noninterest expense to average assets | 2.8092% | 3,645 |
| Loan and lease loss provision to assets | 0.2724% | 1,352 |
| Net operating income to assets | 2.1716% | 275 |
| Return on assets (ROA) | 2.1768% | 291 |
| Pretax return on assets | 3.1898% | 133 |
| Return on Equity (ROE) | 15.1977% | 774 |
| Retained earnings to average equity (ytd only) | 9.5568% | 949 |
| Net charge-offs to loans | 0.3396% | 1,826 |
| Credit loss provision to net charge-offs | 113.3431% | 1,948 |
| Earnings coverage of net charge-offs (x) | 14.3742% | 1,826 |
| Efficiency ratio | 43.9333% | 6,710 |
| Assets per employee ($millions) | 3.6590% | 4,499 |
| Cash dividends to net income (ytd only)* | 37.1169% | 2,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3324% | 4,350 |
| Loan loss allowance to noncurrent loans | 30.4624% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 4.5993% | 703 |
| Noncurrent loans to loans | 4.3738% | 820 |
| Net loans and leases to total assets | 72.1794% | 1,548 |
| Net loans and leases to deposits | 97.1350% | 597 |
| Net loans and leases to core deposits | 102.0063% | 939 |
| Total domestic deposits to total assets | 74.3083% | 6,417 |
| Equity capital to assets | 14.1853% | 909 |
| Core capital (leverage) ratio | 14.4284% | 717 |
| Tier 1 risk-based capital ratio | 16.5480% | 2,921 |
| Total risk-based capital ratio | 17.7026% | 2,915 |
| Memoranda: |
| Average total assets | $3,960,559,670 | 205 |
| Average earning assets | $3,213,264,330 | 217 |
| Average equity | $567,284,000 | 175 |
| Average total loans | $2,803,073,670 | 189 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2509% | 122 |
| Cost of funding earning assets | 0.5381% | 3,696 |
| Net interest margin | 5.7128% | 102 |
| Noninterest income to average assets | 1.6701% | 558 |
| Noninterest expense to average assets | 2.8030% | 3,690 |
| Loan and lease loss provision to assets | 0.2783% | 1,261 |
| Net operating income to assets | 2.1707% | 256 |
| Return on assets (ROA) | 2.1805% | 276 |
| Pretax return on assets | 3.1545% | 139 |
| Return on Equity (ROE) | 15.1485% | 733 |
| Retained earnings to average equity (ytd only) | 10.8963% | 899 |
| Net charge-offs to loans | 0.4465% | 1,341 |
| Credit loss provision to net charge-offs | 89.6189% | 2,031 |
| Earnings coverage of net charge-offs (x) | 11.0069% | 1,690 |
| Efficiency ratio | 44.1261% | 6,772 |
| Assets per employee ($millions) | 3.5574% | 4,866 |
| Cash dividends to net income (ytd only)* | 28.0702% | 2,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4022% | 4,220 |
| Loan loss allowance to noncurrent loans | 28.4633% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 4.9925% | 736 |
| Noncurrent loans to loans | 4.9264% | 780 |
| Net loans and leases to total assets | 68.4203% | 1,936 |
| Net loans and leases to deposits | 90.0200% | 961 |
| Net loans and leases to core deposits | 93.8252% | 1,360 |
| Total domestic deposits to total assets | 76.0056% | 6,367 |
| Equity capital to assets | 14.4662% | 888 |
| Core capital (leverage) ratio | 14.0700% | 781 |
| Tier 1 risk-based capital ratio | 17.7818% | 2,450 |
| Total risk-based capital ratio | 19.0195% | 2,420 |
| Memoranda: |
| Average total assets | $3,921,048,000 | 210 |
| Average earning assets | $3,123,585,000 | 221 |
| Average equity | $564,412,000 | 180 |
| Average total loans | $2,727,050,000 | 194 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4149% | 141 |
| Cost of funding earning assets | 0.6473% | 3,934 |
| Net interest margin | 5.7676% | 113 |
| Noninterest income to average assets | 1.6401% | 588 |
| Noninterest expense to average assets | 2.8789% | 3,720 |
| Loan and lease loss provision to assets | 0.3073% | 2,222 |
| Net operating income to assets | 2.1006% | 301 |
| Return on assets (ROA) | 2.1084% | 330 |
| Pretax return on assets | 3.0700% | 135 |
| Return on Equity (ROE) | 15.9622% | 666 |
| Retained earnings to average equity (ytd only) | 10.6639% | 480 |
| Net charge-offs to loans | 0.4544% | 2,414 |
| Credit loss provision to net charge-offs | 96.4602% | 3,218 |
| Earnings coverage of net charge-offs (x) | 10.5659% | 2,129 |
| Efficiency ratio | 45.2482% | 6,809 |
| Assets per employee ($millions) | 3.4763% | 5,058 |
| Cash dividends to net income (ytd only)* | 33.1931% | 3,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4273% | 4,027 |
| Loan loss allowance to noncurrent loans | 26.4432% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 5.4691% | 678 |
| Noncurrent loans to loans | 5.3978% | 691 |
| Net loans and leases to total assets | 68.7120% | 2,075 |
| Net loans and leases to deposits | 90.1137% | 1,065 |
| Net loans and leases to core deposits | 94.2342% | 1,449 |
| Total domestic deposits to total assets | 76.2503% | 6,328 |
| Equity capital to assets | 14.3216% | 931 |
| Core capital (leverage) ratio | 14.1682% | 756 |
| Tier 1 risk-based capital ratio | 17.9350% | 2,281 |
| Total risk-based capital ratio | 19.1855% | 2,253 |
| Memoranda: |
| Average total assets | $3,822,294,400 | 212 |
| Average earning assets | $3,051,533,400 | 222 |
| Average equity | $504,873,400 | 190 |
| Average total loans | $2,679,816,800 | 191 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4347% | 151 |
| Cost of funding earning assets | 0.6650% | 4,064 |
| Net interest margin | 5.7697% | 127 |
| Noninterest income to average assets | 1.5304% | 633 |
| Noninterest expense to average assets | 2.8548% | 3,773 |
| Loan and lease loss provision to assets | 0.3228% | 2,039 |
| Net operating income to assets | 2.0542% | 355 |
| Return on assets (ROA) | 2.0636% | 395 |
| Pretax return on assets | 2.9873% | 156 |
| Return on Equity (ROE) | 15.9671% | 746 |
| Retained earnings to average equity (ytd only) | 12.7809% | 410 |
| Net charge-offs to loans | 0.4846% | 2,161 |
| Credit loss provision to net charge-offs | 94.8805% | 3,150 |
| Earnings coverage of net charge-offs (x) | 9.6891% | 2,286 |
| Efficiency ratio | 45.5399% | 6,840 |
| Assets per employee ($millions) | 3.4468% | 5,096 |
| Cash dividends to net income (ytd only)* | 19.9548% | 3,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4446% | 4,176 |
| Loan loss allowance to noncurrent loans | 25.9592% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 5.7789% | 719 |
| Noncurrent loans to loans | 5.5648% | 767 |
| Net loans and leases to total assets | 69.2095% | 2,069 |
| Net loans and leases to deposits | 90.8134% | 1,067 |
| Net loans and leases to core deposits | 96.4216% | 1,377 |
| Total domestic deposits to total assets | 76.2107% | 6,354 |
| Equity capital to assets | 13.5618% | 1,323 |
| Core capital (leverage) ratio | 13.3135% | 1,070 |
| Tier 1 risk-based capital ratio | 17.0946% | 2,694 |
| Total risk-based capital ratio | 18.3456% | 2,642 |
| Memoranda: |
| Average total assets | $3,804,510,750 | 215 |
| Average earning assets | $3,047,002,000 | 224 |
| Average equity | $491,691,500 | 196 |
| Average total loans | $2,671,273,500 | 194 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4166% | 163 |
| Cost of funding earning assets | 0.6998% | 4,016 |
| Net interest margin | 5.7168% | 132 |
| Noninterest income to average assets | 1.5266% | 630 |
| Noninterest expense to average assets | 2.8298% | 3,906 |
| Loan and lease loss provision to assets | 0.3225% | 2,044 |
| Net operating income to assets | 2.0215% | 384 |
| Return on assets (ROA) | 2.0363% | 415 |
| Pretax return on assets | 2.9726% | 158 |
| Return on Equity (ROE) | 16.0205% | 766 |
| Retained earnings to average equity (ytd only) | 13.2269% | 415 |
| Net charge-offs to loans | 0.4824% | 2,142 |
| Credit loss provision to net charge-offs | 95.2314% | 2,899 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,142 |
| Efficiency ratio | 45.4856% | 6,907 |
| Assets per employee ($millions) | 3.4053% | 5,203 |
| Cash dividends to net income (ytd only)* | 17.4374% | 3,063 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4476% | 4,257 |
| Loan loss allowance to noncurrent loans | 24.3825% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 6.3594% | 650 |
| Noncurrent loans to loans | 5.9371% | 744 |
| Net loans and leases to total assets | 70.5031% | 1,824 |
| Net loans and leases to deposits | 93.8299% | 787 |
| Net loans and leases to core deposits | 97.1492% | 1,336 |
| Total domestic deposits to total assets | 75.1393% | 6,574 |
| Equity capital to assets | 13.3325% | 1,377 |
| Core capital (leverage) ratio | 12.8112% | 1,213 |
| Tier 1 risk-based capital ratio | 17.3690% | 2,523 |
| Total risk-based capital ratio | 18.6210% | 2,486 |
| Memoranda: |
| Average total assets | $3,801,963,000 | 215 |
| Average earning assets | $3,043,909,670 | 225 |
| Average equity | $483,256,330 | 200 |
| Average total loans | $2,669,349,330 | 192 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5481% | 150 |
| Cost of funding earning assets | 0.7410% | 3,938 |
| Net interest margin | 5.8071% | 120 |
| Noninterest income to average assets | 1.4390% | 697 |
| Noninterest expense to average assets | 2.8801% | 3,706 |
| Loan and lease loss provision to assets | 0.3215% | 1,956 |
| Net operating income to assets | 1.9602% | 455 |
| Return on assets (ROA) | 1.9602% | 521 |
| Pretax return on assets | 2.8541% | 213 |
| Return on Equity (ROE) | 15.8003% | 835 |
| Retained earnings to average equity (ytd only) | 13.2725% | 644 |
| Net charge-offs to loans | 0.5430% | 1,731 |
| Credit loss provision to net charge-offs | 85.1370% | 2,637 |
| Earnings coverage of net charge-offs (x) | 8.4085% | 1,962 |
| Efficiency ratio | 46.6815% | 6,867 |
| Assets per employee ($millions) | 3.4681% | 5,192 |
| Cash dividends to net income (ytd only)* | 15.9983% | 2,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4633% | 4,321 |
| Loan loss allowance to noncurrent loans | 21.6786% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 7.0021% | 616 |
| Noncurrent loans to loans | 6.7500% | 692 |
| Net loans and leases to total assets | 68.0059% | 2,119 |
| Net loans and leases to deposits | 88.6095% | 1,094 |
| Net loans and leases to core deposits | 92.9635% | 1,551 |
| Total domestic deposits to total assets | 76.7479% | 6,440 |
| Equity capital to assets | 12.6323% | 1,641 |
| Core capital (leverage) ratio | 12.2381% | 1,467 |
| Tier 1 risk-based capital ratio | 17.7970% | 2,361 |
| Total risk-based capital ratio | 19.0500% | 2,340 |
| Memoranda: |
| Average total assets | $3,826,645,000 | 213 |
| Average earning assets | $3,042,301,500 | 222 |
| Average equity | $474,726,000 | 199 |
| Average total loans | $2,661,743,500 | 191 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7729% | 132 |
| Cost of funding earning assets | 0.9780% | 3,521 |
| Net interest margin | 5.7949% | 114 |
| Noninterest income to average assets | 3.1650% | 202 |
| Noninterest expense to average assets | 3.2654% | 2,634 |
| Loan and lease loss provision to assets | 0.3211% | 3,111 |
| Net operating income to assets | 2.8054% | 102 |
| Return on assets (ROA) | 2.8230% | 102 |
| Pretax return on assets | 4.2411% | 71 |
| Return on Equity (ROE) | 24.7860% | 110 |
| Retained earnings to average equity (ytd only) | 21.8409% | 38 |
| Net charge-offs to loans | 0.5016% | 2,985 |
| Credit loss provision to net charge-offs | 91.7342% | 3,935 |
| Earnings coverage of net charge-offs (x) | 12.9592% | 1,581 |
| Efficiency ratio | 41.2689% | 7,187 |
| Assets per employee ($millions) | 3.5314% | 4,940 |
| Cash dividends to net income (ytd only)* | 11.8819% | 3,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4597% | 4,194 |
| Loan loss allowance to noncurrent loans | 19.8438% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 7.8867% | 523 |
| Noncurrent loans to loans | 7.3558% | 587 |
| Net loans and leases to total assets | 69.0768% | 2,203 |
| Net loans and leases to deposits | 89.4777% | 1,210 |
| Net loans and leases to core deposits | 93.7871% | 1,719 |
| Total domestic deposits to total assets | 77.2000% | 6,313 |
| Equity capital to assets | 12.1795% | 1,987 |
| Core capital (leverage) ratio | 11.5781% | 1,830 |
| Tier 1 risk-based capital ratio | 16.9769% | 2,620 |
| Total risk-based capital ratio | 18.2299% | 2,575 |
| Memoranda: |
| Average total assets | $3,667,007,800 | 212 |
| Average earning assets | $2,934,049,200 | 224 |
| Average equity | $417,651,600 | 211 |
| Average total loans | $2,558,900,800 | 195 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7303% | 145 |
| Cost of funding earning assets | 1.0394% | 3,395 |
| Net interest margin | 5.6909% | 135 |
| Noninterest income to average assets | 3.7882% | 162 |
| Noninterest expense to average assets | 3.3538% | 2,338 |
| Loan and lease loss provision to assets | 0.2757% | 3,308 |
| Net operating income to assets | 3.1111% | 90 |
| Return on assets (ROA) | 3.1364% | 89 |
| Pretax return on assets | 4.7484% | 66 |
| Return on Equity (ROE) | 28.0508% | 76 |
| Retained earnings to average equity (ytd only) | 24.9930% | 38 |
| Net charge-offs to loans | 0.4533% | 2,917 |
| Credit loss provision to net charge-offs | 87.2702% | 3,883 |
| Earnings coverage of net charge-offs (x) | 15.7831% | 1,439 |
| Efficiency ratio | 39.6974% | 7,266 |
| Assets per employee ($millions) | 3.5596% | 4,853 |
| Cash dividends to net income (ytd only)* | 10.9010% | 3,246 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4391% | 4,380 |
| Loan loss allowance to noncurrent loans | 19.1722% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 7.9394% | 558 |
| Noncurrent loans to loans | 7.5060% | 629 |
| Net loans and leases to total assets | 68.3317% | 2,421 |
| Net loans and leases to deposits | 87.6037% | 1,475 |
| Net loans and leases to core deposits | 91.6155% | 2,041 |
| Total domestic deposits to total assets | 78.0009% | 6,195 |
| Equity capital to assets | 11.4623% | 2,719 |
| Core capital (leverage) ratio | 11.0067% | 2,379 |
| Tier 1 risk-based capital ratio | 17.5024% | 2,443 |
| Total risk-based capital ratio | 18.7566% | 2,412 |
| Memoranda: |
| Average total assets | $3,626,757,000 | 214 |
| Average earning assets | $2,901,053,750 | 224 |
| Average equity | $405,506,750 | 216 |
| Average total loans | $2,527,766,500 | 198 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6768% | 168 |
| Cost of funding earning assets | 1.0921% | 3,302 |
| Net interest margin | 5.5847% | 157 |
| Noninterest income to average assets | 4.9709% | 135 |
| Noninterest expense to average assets | 3.4048% | 2,244 |
| Loan and lease loss provision to assets | 0.3401% | 2,745 |
| Net operating income to assets | 3.7227% | 71 |
| Return on assets (ROA) | 3.7366% | 73 |
| Pretax return on assets | 5.7338% | 56 |
| Return on Equity (ROE) | 33.7334% | 48 |
| Retained earnings to average equity (ytd only) | 30.5093% | 37 |
| Net charge-offs to loans | 0.5768% | 2,378 |
| Credit loss provision to net charge-offs | 84.4357% | 3,637 |
| Earnings coverage of net charge-offs (x) | 15.0266% | 1,437 |
| Efficiency ratio | 35.6019% | 7,397 |
| Assets per employee ($millions) | 3.6304% | 4,611 |
| Cash dividends to net income (ytd only)* | 9.5578% | 3,138 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4478% | 4,355 |
| Loan loss allowance to noncurrent loans | 18.3950% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 8.1533% | 557 |
| Noncurrent loans to loans | 7.8707% | 587 |
| Net loans and leases to total assets | 66.4459% | 2,940 |
| Net loans and leases to deposits | 83.7686% | 2,141 |
| Net loans and leases to core deposits | 88.3373% | 2,591 |
| Total domestic deposits to total assets | 79.3208% | 6,001 |
| Equity capital to assets | 10.6945% | 3,295 |
| Core capital (leverage) ratio | 10.8187% | 2,403 |
| Tier 1 risk-based capital ratio | 17.0001% | 2,520 |
| Total risk-based capital ratio | 18.2545% | 2,492 |
| Memoranda: |
| Average total assets | $3,528,119,000 | 221 |
| Average earning assets | $2,834,613,000 | 230 |
| Average equity | $390,799,330 | 222 |
| Average total loans | $2,463,834,670 | 205 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5497% | 199 |
| Cost of funding earning assets | 1.1208% | 3,370 |
| Net interest margin | 5.4289% | 185 |
| Noninterest income to average assets | 1.5397% | 549 |
| Noninterest expense to average assets | 3.0936% | 3,270 |
| Loan and lease loss provision to assets | 0.2737% | 2,964 |
| Net operating income to assets | 1.8260% | 468 |
| Return on assets (ROA) | 1.8394% | 479 |
| Pretax return on assets | 2.6181% | 214 |
| Return on Equity (ROE) | 16.2643% | 648 |
| Retained earnings to average equity (ytd only) | 12.7148% | 632 |
| Net charge-offs to loans | 0.5553% | 2,109 |
| Credit loss provision to net charge-offs | 69.1244% | 3,367 |
| Earnings coverage of net charge-offs (x) | 7.2553% | 1,973 |
| Efficiency ratio | 51.3854% | 6,898 |
| Assets per employee ($millions) | 3.6391% | 4,677 |
| Cash dividends to net income (ytd only)* | 21.8240% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6738% | 3,431 |
| Loan loss allowance to noncurrent loans | 36.8358% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 5.7903% | 1,020 |
| Noncurrent loans to loans | 4.5439% | 1,533 |
| Net loans and leases to total assets | 69.5056% | 2,220 |
| Net loans and leases to deposits | 89.0517% | 1,345 |
| Net loans and leases to core deposits | 95.5585% | 1,707 |
| Total domestic deposits to total assets | 78.0508% | 6,371 |
| Equity capital to assets | 11.4094% | 2,339 |
| Core capital (leverage) ratio | 11.1303% | 2,088 |
| Tier 1 risk-based capital ratio | 16.1955% | 2,814 |
| Total risk-based capital ratio | 17.4512% | 2,774 |
| Memoranda: |
| Average total assets | $3,288,189,500 | 232 |
| Average earning assets | $2,681,230,500 | 237 |
| Average equity | $371,883,000 | 228 |
| Average total loans | $2,344,621,500 | 212 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2861% | 477 |
| Cost of funding earning assets | 1.2950% | 3,916 |
| Net interest margin | 4.9911% | 438 |
| Noninterest income to average assets | 2.1412% | 357 |
| Noninterest expense to average assets | 2.8146% | 4,541 |
| Loan and lease loss provision to assets | 0.5315% | 3,025 |
| Net operating income to assets | 2.0775% | 245 |
| Return on assets (ROA) | 2.1888% | 211 |
| Pretax return on assets | 3.1237% | 107 |
| Return on Equity (ROE) | 19.4853% | 284 |
| Retained earnings to average equity (ytd only) | 15.5815% | 108 |
| Net charge-offs to loans | 0.7294% | 2,830 |
| Credit loss provision to net charge-offs | 103.9704% | 4,324 |
| Earnings coverage of net charge-offs (x) | 6.8409% | 2,259 |
| Efficiency ratio | 44.3647% | 7,403 |
| Assets per employee ($millions) | 3.7016% | 4,456 |
| Cash dividends to net income (ytd only)* | 20.0346% | 3,445 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7150% | 3,157 |
| Loan loss allowance to noncurrent loans | 47.1304% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 4.8494% | 1,342 |
| Noncurrent loans to loans | 3.6389% | 2,052 |
| Net loans and leases to total assets | 70.6965% | 2,372 |
| Net loans and leases to deposits | 90.5071% | 1,459 |
| Net loans and leases to core deposits | 98.0129% | 1,797 |
| Total domestic deposits to total assets | 78.1115% | 6,289 |
| Equity capital to assets | 11.2083% | 2,497 |
| Core capital (leverage) ratio | 11.3998% | 1,891 |
| Tier 1 risk-based capital ratio | 15.4900% | 3,000 |
| Total risk-based capital ratio | 16.7459% | 2,961 |
| Memoranda: |
| Average total assets | $3,010,139,400 | 243 |
| Average earning assets | $2,515,359,600 | 255 |
| Average equity | $338,131,200 | 235 |
| Average total loans | $2,109,941,200 | 229 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2504% | 558 |
| Cost of funding earning assets | 1.3411% | 3,966 |
| Net interest margin | 4.9093% | 545 |
| Noninterest income to average assets | 2.1016% | 353 |
| Noninterest expense to average assets | 2.7170% | 4,807 |
| Loan and lease loss provision to assets | 0.5383% | 2,786 |
| Net operating income to assets | 2.0554% | 307 |
| Return on assets (ROA) | 2.1970% | 256 |
| Pretax return on assets | 3.1686% | 104 |
| Return on Equity (ROE) | 19.5461% | 334 |
| Retained earnings to average equity (ytd only) | 15.5617% | 188 |
| Net charge-offs to loans | 0.7326% | 2,588 |
| Credit loss provision to net charge-offs | 105.5994% | 4,055 |
| Earnings coverage of net charge-offs (x) | 6.8718% | 2,434 |
| Efficiency ratio | 43.4855% | 7,480 |
| Assets per employee ($millions) | 3.7758% | 4,329 |
| Cash dividends to net income (ytd only)* | 20.3846% | 2,956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7697% | 2,897 |
| Loan loss allowance to noncurrent loans | 73.5321% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 3.5852% | 1,986 |
| Noncurrent loans to loans | 2.4067% | 3,226 |
| Net loans and leases to total assets | 70.6094% | 2,586 |
| Net loans and leases to deposits | 92.2527% | 1,412 |
| Net loans and leases to core deposits | 100.5940% | 1,792 |
| Total domestic deposits to total assets | 76.5391% | 6,562 |
| Equity capital to assets | 11.3912% | 2,611 |
| Core capital (leverage) ratio | 11.2327% | 2,112 |
| Tier 1 risk-based capital ratio | 14.7685% | 3,357 |
| Total risk-based capital ratio | 16.0244% | 3,340 |
| Memoranda: |
| Average total assets | $2,947,390,500 | 244 |
| Average earning assets | $2,472,617,000 | 257 |
| Average equity | $331,284,500 | 237 |
| Average total loans | $2,050,992,000 | 232 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1770% | 652 |
| Cost of funding earning assets | 1.4060% | 3,839 |
| Net interest margin | 4.7711% | 695 |
| Noninterest income to average assets | 1.5454% | 535 |
| Noninterest expense to average assets | 2.5757% | 5,431 |
| Loan and lease loss provision to assets | 0.5287% | 2,673 |
| Net operating income to assets | 1.7482% | 527 |
| Return on assets (ROA) | 1.9364% | 409 |
| Pretax return on assets | 2.7217% | 168 |
| Return on Equity (ROE) | 17.3133% | 541 |
| Retained earnings to average equity (ytd only) | 13.2084% | 360 |
| Net charge-offs to loans | 0.7127% | 2,434 |
| Credit loss provision to net charge-offs | 107.9086% | 3,776 |
| Earnings coverage of net charge-offs (x) | 6.0961% | 2,528 |
| Efficiency ratio | 46.1332% | 7,432 |
| Assets per employee ($millions) | 3.7478% | 4,353 |
| Cash dividends to net income (ytd only)* | 23.7095% | 2,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9902% | 2,213 |
| Loan loss allowance to noncurrent loans | 129.5624% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 2.9516% | 2,424 |
| Noncurrent loans to loans | 1.5361% | 4,413 |
| Net loans and leases to total assets | 69.0994% | 3,107 |
| Net loans and leases to deposits | 91.2226% | 1,667 |
| Net loans and leases to core deposits | 101.5296% | 1,864 |
| Total domestic deposits to total assets | 75.7481% | 6,740 |
| Equity capital to assets | 11.5636% | 2,389 |
| Core capital (leverage) ratio | 10.9550% | 2,274 |
| Tier 1 risk-based capital ratio | 13.2604% | 4,240 |
| Total risk-based capital ratio | 14.5155% | 4,195 |
| Memoranda: |
| Average total assets | $2,875,139,670 | 250 |
| Average earning assets | $2,420,682,330 | 263 |
| Average equity | $321,568,000 | 240 |
| Average total loans | $1,976,512,000 | 248 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9665% | 1,043 |
| Cost of funding earning assets | 1.4198% | 4,049 |
| Net interest margin | 4.5468% | 1,052 |
| Noninterest income to average assets | 2.1480% | 309 |
| Noninterest expense to average assets | 2.3433% | 6,272 |
| Loan and lease loss provision to assets | 0.5831% | 2,169 |
| Net operating income to assets | 2.1074% | 291 |
| Return on assets (ROA) | 2.2715% | 247 |
| Pretax return on assets | 3.2820% | 111 |
| Return on Equity (ROE) | 20.6578% | 344 |
| Retained earnings to average equity (ytd only) | 16.4912% | 307 |
| Net charge-offs to loans | 0.8275% | 1,875 |
| Credit loss provision to net charge-offs | 103.8319% | 3,296 |
| Earnings coverage of net charge-offs (x) | 6.4601% | 2,221 |
| Efficiency ratio | 39.1778% | 7,752 |
| Assets per employee ($millions) | 3.9408% | 4,017 |
| Cash dividends to net income (ytd only)* | 20.1699% | 2,234 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9734% | 2,255 |
| Loan loss allowance to noncurrent loans | 124.0844% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 3.4185% | 2,062 |
| Noncurrent loans to loans | 1.5904% | 4,356 |
| Net loans and leases to total assets | 65.7065% | 3,930 |
| Net loans and leases to deposits | 87.3558% | 2,343 |
| Net loans and leases to core deposits | 101.2027% | 2,007 |
| Total domestic deposits to total assets | 75.2170% | 6,875 |
| Equity capital to assets | 10.7567% | 2,994 |
| Core capital (leverage) ratio | 11.3360% | 2,013 |
| Tier 1 risk-based capital ratio | 13.4343% | 4,029 |
| Total risk-based capital ratio | 14.6901% | 3,988 |
| Memoranda: |
| Average total assets | $2,881,039,500 | 259 |
| Average earning assets | $2,422,644,500 | 273 |
| Average equity | $316,800,000 | 245 |
| Average total loans | $1,955,404,500 | 258 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3053% | 1,020 |
| Cost of funding earning assets | 1.7205% | 4,407 |
| Net interest margin | 4.5848% | 1,012 |
| Noninterest income to average assets | 0.7493% | 2,681 |
| Noninterest expense to average assets | 2.2202% | 6,939 |
| Loan and lease loss provision to assets | 1.4983% | 1,538 |
| Net operating income to assets | 0.8170% | 2,468 |
| Return on assets (ROA) | 1.4993% | 728 |
| Pretax return on assets | 1.9790% | 422 |
| Return on Equity (ROE) | 12.3082% | 1,091 |
| Retained earnings to average equity (ytd only) | -13.0056% | 6,756 |
| Net charge-offs to loans | 1.7691% | 1,415 |
| Credit loss provision to net charge-offs | 129.1327% | 3,983 |
| Earnings coverage of net charge-offs (x) | 2.2232% | 4,054 |
| Efficiency ratio | 46.1788% | 7,705 |
| Assets per employee ($millions) | 3.8161% | 4,245 |
| Cash dividends to net income (ytd only)* | 205.6658% | 184 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0903% | 1,840 |
| Loan loss allowance to noncurrent loans | 167.8487% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 3.0666% | 2,271 |
| Noncurrent loans to loans | 1.2454% | 4,865 |
| Net loans and leases to total assets | 67.3527% | 3,845 |
| Net loans and leases to deposits | 91.0812% | 2,033 |
| Net loans and leases to core deposits | 123.9461% | 1,640 |
| Total domestic deposits to total assets | 73.9480% | 7,023 |
| Equity capital to assets | 11.2572% | 2,492 |
| Core capital (leverage) ratio | 10.7152% | 2,414 |
| Tier 1 risk-based capital ratio | 12.9626% | 4,168 |
| Total risk-based capital ratio | 14.2183% | 4,115 |
| Memoranda: |
| Average total assets | $2,989,977,600 | 249 |
| Average earning assets | $2,641,583,400 | 253 |
| Average equity | $364,228,800 | 226 |
| Average total loans | $1,961,088,800 | 267 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3031% | 1,133 |
| Cost of funding earning assets | 1.7780% | 4,488 |
| Net interest margin | 4.5251% | 1,131 |
| Noninterest income to average assets | 0.6906% | 3,083 |
| Noninterest expense to average assets | 2.0943% | 7,210 |
| Loan and lease loss provision to assets | 1.7144% | 1,083 |
| Net operating income to assets | 0.6989% | 3,215 |
| Return on assets (ROA) | 1.3948% | 1,107 |
| Pretax return on assets | 1.8161% | 776 |
| Return on Equity (ROE) | 11.2567% | 1,556 |
| Retained earnings to average equity (ytd only) | 6.7035% | 1,632 |
| Net charge-offs to loans | 1.9844% | 997 |
| Credit loss provision to net charge-offs | 133.1884% | 3,749 |
| Earnings coverage of net charge-offs (x) | 2.0408% | 4,290 |
| Efficiency ratio | 44.2831% | 7,830 |
| Assets per employee ($millions) | 4.0772% | 3,595 |
| Cash dividends to net income (ytd only)* | 40.4490% | 2,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0429% | 1,702 |
| Loan loss allowance to noncurrent loans | 203.4074% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 2.8878% | 2,404 |
| Noncurrent loans to loans | 1.0043% | 5,296 |
| Net loans and leases to total assets | 65.5246% | 4,531 |
| Net loans and leases to deposits | 91.6912% | 2,292 |
| Net loans and leases to core deposits | 138.9012% | 970 |
| Total domestic deposits to total assets | 71.4622% | 7,284 |
| Equity capital to assets | 13.4295% | 1,527 |
| Core capital (leverage) ratio | 12.6827% | 1,505 |
| Tier 1 risk-based capital ratio | 15.5472% | 2,797 |
| Total risk-based capital ratio | 16.8024% | 2,734 |
| Memoranda: |
| Average total assets | $3,048,666,500 | 253 |
| Average earning assets | $2,715,427,000 | 254 |
| Average equity | $377,745,750 | 228 |
| Average total loans | $1,977,527,000 | 276 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3558% | 1,088 |
| Cost of funding earning assets | 1.8704% | 4,417 |
| Net interest margin | 4.4854% | 1,201 |
| Noninterest income to average assets | 0.6720% | 3,182 |
| Noninterest expense to average assets | 2.1160% | 7,240 |
| Loan and lease loss provision to assets | 2.0407% | 794 |
| Net operating income to assets | 0.4067% | 4,488 |
| Return on assets (ROA) | 1.4223% | 1,041 |
| Pretax return on assets | 1.8533% | 769 |
| Return on Equity (ROE) | 11.7834% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.1965% | 1,509 |
| Net charge-offs to loans | 1.7614% | 1,078 |
| Credit loss provision to net charge-offs | 180.3493% | 2,534 |
| Earnings coverage of net charge-offs (x) | 2.2754% | 3,929 |
| Efficiency ratio | 45.0352% | 7,889 |
| Assets per employee ($millions) | 4.1797% | 3,329 |
| Cash dividends to net income (ytd only)* | 38.9264% | 2,476 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1946% | 1,256 |
| Loan loss allowance to noncurrent loans | 243.9481% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 4,219 |
| Noncurrent loans to loans | 0.8996% | 5,412 |
| Net loans and leases to total assets | 65.9945% | 4,562 |
| Net loans and leases to deposits | 90.7984% | 2,697 |
| Net loans and leases to core deposits | 133.8752% | 1,321 |
| Total domestic deposits to total assets | 72.6825% | 7,155 |
| Equity capital to assets | 12.6960% | 1,834 |
| Core capital (leverage) ratio | 11.8694% | 1,894 |
| Tier 1 risk-based capital ratio | 14.9681% | 3,033 |
| Total risk-based capital ratio | 16.2250% | 2,969 |
| Memoranda: |
| Average total assets | $3,106,735,330 | 258 |
| Average earning assets | $2,783,408,330 | 256 |
| Average equity | $374,985,330 | 230 |
| Average total loans | $1,995,783,330 | 283 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3684% | 1,134 |
| Cost of funding earning assets | 1.9945% | 4,160 |
| Net interest margin | 4.3739% | 1,412 |
| Noninterest income to average assets | 0.6201% | 3,411 |
| Noninterest expense to average assets | 1.9443% | 7,457 |
| Loan and lease loss provision to assets | 1.3305% | 964 |
| Net operating income to assets | 1.0022% | 2,304 |
| Return on assets (ROA) | 1.3909% | 1,248 |
| Pretax return on assets | 1.7747% | 1,029 |
| Return on Equity (ROE) | 11.8064% | 1,728 |
| Retained earnings to average equity (ytd only) | 7.2249% | 2,119 |
| Net charge-offs to loans | 0.6327% | 1,915 |
| Credit loss provision to net charge-offs | 335.1249% | 1,481 |
| Earnings coverage of net charge-offs (x) | 6.5643% | 2,483 |
| Efficiency ratio | 42.6503% | 7,982 |
| Assets per employee ($millions) | 4.4667% | 2,776 |
| Cash dividends to net income (ytd only)* | 38.8052% | 2,100 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8635% | 1,708 |
| Loan loss allowance to noncurrent loans | 161.8299% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 4,332 |
| Noncurrent loans to loans | 1.1515% | 4,688 |
| Net loans and leases to total assets | 61.8783% | 5,355 |
| Net loans and leases to deposits | 84.7040% | 3,865 |
| Net loans and leases to core deposits | 123.4687% | 2,117 |
| Total domestic deposits to total assets | 73.0524% | 7,042 |
| Equity capital to assets | 12.2023% | 2,137 |
| Core capital (leverage) ratio | 11.0087% | 2,492 |
| Tier 1 risk-based capital ratio | 14.2016% | 3,473 |
| Total risk-based capital ratio | 15.4545% | 3,406 |
| Memoranda: |
| Average total assets | $3,186,755,500 | 255 |
| Average earning assets | $2,863,652,500 | 251 |
| Average equity | $375,422,000 | 229 |
| Average total loans | $1,999,529,000 | 284 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7983% | 1,679 |
| Cost of funding earning assets | 2.9770% | 1,955 |
| Net interest margin | 3.8212% | 3,935 |
| Noninterest income to average assets | 0.7187% | 2,999 |
| Noninterest expense to average assets | 1.7318% | 7,834 |
| Loan and lease loss provision to assets | 0.6308% | 2,305 |
| Net operating income to assets | 1.3455% | 1,360 |
| Return on assets (ROA) | 1.2601% | 1,549 |
| Pretax return on assets | 1.6699% | 1,216 |
| Return on Equity (ROE) | 13.8995% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.6333% | 672 |
| Net charge-offs to loans | 0.4570% | 2,544 |
| Credit loss provision to net charge-offs | 209.7574% | 2,301 |
| Earnings coverage of net charge-offs (x) | 8.0291% | 2,956 |
| Efficiency ratio | 41.5966% | 8,082 |
| Assets per employee ($millions) | 4.5801% | 2,501 |
| Cash dividends to net income (ytd only)* | 37.8878% | 3,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4637% | 2,863 |
| Loan loss allowance to noncurrent loans | 191.8606% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 4,832 |
| Noncurrent loans to loans | 0.7629% | 5,126 |
| Net loans and leases to total assets | 61.5307% | 5,692 |
| Net loans and leases to deposits | 84.4849% | 4,337 |
| Net loans and leases to core deposits | 117.9431% | 2,894 |
| Total domestic deposits to total assets | 72.8304% | 6,861 |
| Equity capital to assets | 11.3702% | 2,729 |
| Core capital (leverage) ratio | 11.0946% | 2,514 |
| Tier 1 risk-based capital ratio | 13.4839% | 3,831 |
| Total risk-based capital ratio | 14.6309% | 3,790 |
| Memoranda: |
| Average total assets | $3,016,076,600 | 254 |
| Average earning assets | $2,705,398,000 | 255 |
| Average equity | $273,442,400 | 287 |
| Average total loans | $1,984,798,200 | 276 |
