| 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 | 4.9538% | 2,167 |
| Cost of funding earning assets | 2.9962% | 143 |
| Net interest margin | 1.9577% | 4,423 |
| Noninterest income to average assets | 1.5600% | 373 |
| Noninterest expense to average assets | 2.7030% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5042% | 3,661 |
| Return on assets (ROA) | 0.5045% | 3,656 |
| Pretax return on assets | 0.7107% | 3,413 |
| Return on Equity (ROE) | 5.4100% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.4060% | 2,446 |
| Net charge-offs to loans | 0.0029% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 267.8169% | 473 |
| Efficiency ratio | 79.1903% | 971 |
| Assets per employee ($millions) | 7.5165% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9600% | 3,490 |
| Loan loss allowance to noncurrent loans | 240.2202% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,545 |
| Noncurrent loans to loans | 0.3997% | 1,787 |
| Net loans and leases to total assets | 87.7200% | 97 |
| Net loans and leases to deposits | 98.6266% | 612 |
| Net loans and leases to core deposits | 122.1704% | 563 |
| Total domestic deposits to total assets | 88.9500% | 1,082 |
| Equity capital to assets | 9.2047% | 2,540 |
| Core capital (leverage) ratio | 9.3893% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7698% | 2,633 |
| Memoranda: |
| Average total assets | $13,385,286,800 | 132 |
| Average earning assets | $12,643,428,200 | 125 |
| Average equity | $1,249,046,200 | 141 |
| Average total loans | $12,109,902,200 | 104 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8846% | 2,095 |
| Cost of funding earning assets | 2.8662% | 141 |
| Net interest margin | 2.0185% | 4,434 |
| Noninterest income to average assets | 1.6100% | 361 |
| Noninterest expense to average assets | 2.7977% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5238% | 3,712 |
| Return on assets (ROA) | 0.5241% | 3,697 |
| Pretax return on assets | 0.7240% | 3,499 |
| Return on Equity (ROE) | 5.6000% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.5962% | 2,748 |
| Net charge-offs to loans | -0.0002% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.4491% | 895 |
| Assets per employee ($millions) | 7.3493% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9577% | 3,537 |
| Loan loss allowance to noncurrent loans | 390.9011% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 2,157 |
| Noncurrent loans to loans | 0.2450% | 2,369 |
| Net loans and leases to total assets | 89.3100% | 49 |
| Net loans and leases to deposits | 102.2340% | 424 |
| Net loans and leases to core deposits | 125.9258% | 418 |
| Total domestic deposits to total assets | 87.3600% | 1,779 |
| Equity capital to assets | 9.1851% | 2,297 |
| Core capital (leverage) ratio | 9.4284% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5271% | 2,720 |
| Memoranda: |
| Average total assets | $13,228,930,250 | 134 |
| Average earning assets | $12,502,543,750 | 129 |
| Average equity | $1,238,896,500 | 143 |
| Average total loans | $12,034,869,750 | 106 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7830% | 2,030 |
| Cost of funding earning assets | 2.7008% | 130 |
| Net interest margin | 2.0822% | 4,465 |
| Noninterest income to average assets | 1.6000% | 304 |
| Noninterest expense to average assets | 2.8007% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5589% | 3,677 |
| Return on assets (ROA) | 0.5591% | 3,686 |
| Pretax return on assets | 0.7718% | 3,460 |
| Return on Equity (ROE) | 5.9300% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.9298% | 2,652 |
| Net charge-offs to loans | 0.0040% | 2,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 212.0169% | 576 |
| Efficiency ratio | 78.4024% | 973 |
| Assets per employee ($millions) | 7.0225% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9420% | 3,652 |
| Loan loss allowance to noncurrent loans | 430.5907% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,194 |
| Noncurrent loans to loans | 0.2188% | 2,391 |
| Net loans and leases to total assets | 90.5200% | 31 |
| Net loans and leases to deposits | 104.3546% | 358 |
| Net loans and leases to core deposits | 123.2950% | 445 |
| Total domestic deposits to total assets | 86.7400% | 2,012 |
| Equity capital to assets | 9.3143% | 2,303 |
| Core capital (leverage) ratio | 9.6009% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5648% | 2,747 |
| Memoranda: |
| Average total assets | $13,025,681,667 | 132 |
| Average earning assets | $12,320,749,000 | 126 |
| Average equity | $1,228,162,333 | 140 |
| Average total loans | $11,886,787,333 | 103 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7080% | 1,831 |
| Cost of funding earning assets | 2.5170% | 95 |
| Net interest margin | 2.1910% | 4,504 |
| Noninterest income to average assets | 1.5900% | 308 |
| Noninterest expense to average assets | 2.8377% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5948% | 3,701 |
| Return on assets (ROA) | 0.5950% | 3,670 |
| Pretax return on assets | 0.8230% | 3,412 |
| Return on Equity (ROE) | 6.2700% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.2707% | 2,687 |
| Net charge-offs to loans | 0.0098% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 92.1608% | 829 |
| Efficiency ratio | 77.5229% | 1,045 |
| Assets per employee ($millions) | 6.8340% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9780% | 3,607 |
| Loan loss allowance to noncurrent loans | 526.2619% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,330 |
| Noncurrent loans to loans | 0.1858% | 2,550 |
| Net loans and leases to total assets | 89.1200% | 47 |
| Net loans and leases to deposits | 100.1184% | 442 |
| Net loans and leases to core deposits | 119.0629% | 460 |
| Total domestic deposits to total assets | 89.0200% | 1,539 |
| Equity capital to assets | 9.3362% | 2,270 |
| Core capital (leverage) ratio | 9.5002% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5436% | 2,843 |
| Memoranda: |
| Average total assets | $12,814,486,000 | 138 |
| Average earning assets | $12,125,176,500 | 129 |
| Average equity | $1,215,948,000 | 146 |
| Average total loans | $11,685,964,500 | 107 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9765% | 1,771 |
| Cost of funding earning assets | 0.8614% | 304 |
| Net interest margin | 3.1151% | 3,131 |
| Noninterest income to average assets | 2.0500% | 238 |
| Noninterest expense to average assets | 3.4825% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0890% | 2,225 |
| Return on assets (ROA) | 1.0445% | 2,342 |
| Pretax return on assets | 1.4523% | 1,605 |
| Return on Equity (ROE) | 10.5500% | 2,634 |
| Retained earnings to average equity (ytd only) | 10.5522% | 992 |
| Net charge-offs to loans | 0.0038% | 2,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 439.4762% | 368 |
| Efficiency ratio | 69.7748% | 1,718 |
| Assets per employee ($millions) | 6.5175% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1495% | 2,645 |
| Loan loss allowance to noncurrent loans | 865.6582% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,671 |
| Noncurrent loans to loans | 0.1328% | 2,850 |
| Net loans and leases to total assets | 91.3800% | 21 |
| Net loans and leases to deposits | 102.9031% | 339 |
| Net loans and leases to core deposits | 122.6549% | 325 |
| Total domestic deposits to total assets | 88.8000% | 1,780 |
| Equity capital to assets | 9.6493% | 1,919 |
| Core capital (leverage) ratio | 9.8690% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6112% | 2,837 |
| Memoranda: |
| Average total assets | $11,012,018,200 | 154 |
| Average earning assets | $10,392,677,200 | 149 |
| Average equity | $1,089,995,800 | 160 |
| Average total loans | $9,891,735,800 | 124 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7627% | 1,854 |
| Cost of funding earning assets | 0.4415% | 1,022 |
| Net interest margin | 3.3212% | 2,232 |
| Noninterest income to average assets | 2.2200% | 236 |
| Noninterest expense to average assets | 3.6483% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2327% | 1,577 |
| Return on assets (ROA) | 1.1713% | 1,780 |
| Pretax return on assets | 1.6228% | 1,064 |
| Return on Equity (ROE) | 11.7500% | 2,121 |
| Retained earnings to average equity (ytd only) | 11.7466% | 853 |
| Net charge-offs to loans | -0.0016% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2085% | 1,988 |
| Assets per employee ($millions) | 6.1305% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2386% | 2,330 |
| Loan loss allowance to noncurrent loans | 775.5849% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,581 |
| Noncurrent loans to loans | 0.1597% | 2,807 |
| Net loans and leases to total assets | 90.7000% | 18 |
| Net loans and leases to deposits | 108.2944% | 146 |
| Net loans and leases to core deposits | 112.7941% | 393 |
| Total domestic deposits to total assets | 83.7600% | 3,548 |
| Equity capital to assets | 9.8384% | 1,700 |
| Core capital (leverage) ratio | 10.1233% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8282% | 2,867 |
| Memoranda: |
| Average total assets | $10,641,529,500 | 157 |
| Average earning assets | $10,040,724,750 | 151 |
| Average equity | $1,061,099,500 | 162 |
| Average total loans | $9,477,194,500 | 126 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5860% | 1,885 |
| Cost of funding earning assets | 0.2297% | 2,512 |
| Net interest margin | 3.3563% | 1,736 |
| Noninterest income to average assets | 2.6356% | 173 |
| Noninterest expense to average assets | 3.8499% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4165% | 869 |
| Return on assets (ROA) | 1.3592% | 981 |
| Pretax return on assets | 1.8828% | 483 |
| Return on Equity (ROE) | 13.5624% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.5624% | 407 |
| Net charge-offs to loans | -0.0042% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3187% | 2,466 |
| Assets per employee ($millions) | 5.9253% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3644% | 1,909 |
| Loan loss allowance to noncurrent loans | 969.3421% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,833 |
| Noncurrent loans to loans | 0.1408% | 3,002 |
| Net loans and leases to total assets | 87.4115% | 58 |
| Net loans and leases to deposits | 101.9490% | 209 |
| Net loans and leases to core deposits | 102.9905% | 548 |
| Total domestic deposits to total assets | 85.7405% | 3,312 |
| Equity capital to assets | 9.5879% | 1,949 |
| Core capital (leverage) ratio | 10.0539% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4377% | 2,939 |
| Memoranda: |
| Average total assets | $10,283,580,000 | 156 |
| Average earning assets | $9,711,761,333 | 151 |
| Average equity | $1,030,597,000 | 165 |
| Average total loans | $9,049,801,000 | 131 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5279% | 1,711 |
| Cost of funding earning assets | 0.1839% | 3,032 |
| Net interest margin | 3.3440% | 1,462 |
| Noninterest income to average assets | 1.6647% | 307 |
| Noninterest expense to average assets | 3.7540% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7856% | 2,710 |
| Return on assets (ROA) | 0.7855% | 2,706 |
| Pretax return on assets | 1.0774% | 2,219 |
| Return on Equity (ROE) | 7.7317% | 2,786 |
| Retained earnings to average equity (ytd only) | 7.7317% | 1,661 |
| Net charge-offs to loans | -0.0167% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6978% | 1,340 |
| Assets per employee ($millions) | 5.5522% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5097% | 1,526 |
| Loan loss allowance to noncurrent loans | 2,014.2728% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,402 |
| Noncurrent loans to loans | 0.0749% | 3,470 |
| Net loans and leases to total assets | 86.5744% | 46 |
| Net loans and leases to deposits | 99.9283% | 175 |
| Net loans and leases to core deposits | 101.1243% | 474 |
| Total domestic deposits to total assets | 86.6365% | 3,056 |
| Equity capital to assets | 10.0473% | 1,856 |
| Core capital (leverage) ratio | 9.6408% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8949% | 2,916 |
| Memoranda: |
| Average total assets | $9,895,263,500 | 160 |
| Average earning assets | $9,370,814,000 | 155 |
| Average equity | $1,005,263,000 | 167 |
| Average total loans | $8,688,632,000 | 135 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3914% | 2,946 |
| Cost of funding earning assets | 0.2314% | 3,121 |
| Net interest margin | 3.1600% | 2,710 |
| Noninterest income to average assets | 5.4324% | 103 |
| Noninterest expense to average assets | 4.2582% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.0199% | 101 |
| Return on assets (ROA) | 3.0197% | 101 |
| Pretax return on assets | 4.1879% | 74 |
| Return on Equity (ROE) | 31.2366% | 62 |
| Retained earnings to average equity (ytd only) | 10.2622% | 850 |
| Net charge-offs to loans | 0.1049% | 831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 49.1744% | 1,307 |
| Efficiency ratio | 50.4148% | 4,251 |
| Assets per employee ($millions) | 5.5600% | 3,208 |
| Cash dividends to net income (ytd only)* | 67.1470% | 817 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5602% | 1,361 |
| Loan loss allowance to noncurrent loans | 1,772.8895% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,413 |
| Noncurrent loans to loans | 0.0880% | 3,497 |
| Net loans and leases to total assets | 86.3389% | 55 |
| Net loans and leases to deposits | 97.8127% | 256 |
| Net loans and leases to core deposits | 99.2728% | 568 |
| Total domestic deposits to total assets | 88.2696% | 1,890 |
| Equity capital to assets | 10.2746% | 2,398 |
| Core capital (leverage) ratio | 9.8345% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5886% | 2,753 |
| Memoranda: |
| Average total assets | $9,863,825,200 | 162 |
| Average earning assets | $9,408,174,800 | 156 |
| Average equity | $953,541,000 | 177 |
| Average total loans | $8,007,903,200 | 143 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3538% | 3,234 |
| Cost of funding earning assets | 0.2369% | 3,242 |
| Net interest margin | 3.1169% | 3,010 |
| Noninterest income to average assets | 6.4891% | 94 |
| Noninterest expense to average assets | 4.3872% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.6640% | 82 |
| Return on assets (ROA) | 3.6644% | 84 |
| Pretax return on assets | 5.0802% | 61 |
| Return on Equity (ROE) | 38.5008% | 41 |
| Retained earnings to average equity (ytd only) | 10.1930% | 1,267 |
| Net charge-offs to loans | 0.1288% | 621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 49.5434% | 1,248 |
| Efficiency ratio | 46.3423% | 4,482 |
| Assets per employee ($millions) | 6.3320% | 2,391 |
| Cash dividends to net income (ytd only)* | 73.5254% | 521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6381% | 1,249 |
| Loan loss allowance to noncurrent loans | 1,474.8816% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,537 |
| Noncurrent loans to loans | 0.1111% | 3,540 |
| Net loans and leases to total assets | 74.6684% | 639 |
| Net loans and leases to deposits | 84.4244% | 934 |
| Net loans and leases to core deposits | 85.5918% | 1,319 |
| Total domestic deposits to total assets | 88.4440% | 1,603 |
| Equity capital to assets | 9.0511% | 3,779 |
| Core capital (leverage) ratio | 9.1304% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5375% | 2,536 |
| Memoranda: |
| Average total assets | $9,897,302,000 | 160 |
| Average earning assets | $9,455,652,750 | 156 |
| Average equity | $941,999,250 | 178 |
| Average total loans | $7,876,417,750 | 144 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4033% | 3,176 |
| Cost of funding earning assets | 0.2487% | 3,293 |
| Net interest margin | 3.1547% | 2,883 |
| Noninterest income to average assets | 8.5962% | 75 |
| Noninterest expense to average assets | 4.6225% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 5.0401% | 52 |
| Return on assets (ROA) | 5.0406% | 51 |
| Pretax return on assets | 6.9896% | 41 |
| Return on Equity (ROE) | 52.0072% | 21 |
| Retained earnings to average equity (ytd only) | 9.0447% | 1,695 |
| Net charge-offs to loans | 0.2120% | 406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 40.7289% | 1,154 |
| Efficiency ratio | 39.8099% | 4,753 |
| Assets per employee ($millions) | 6.1826% | 2,443 |
| Cash dividends to net income (ytd only)* | 82.6088% | 452 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6740% | 1,116 |
| Loan loss allowance to noncurrent loans | 1,321.6637% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,555 |
| Noncurrent loans to loans | 0.1267% | 3,552 |
| Net loans and leases to total assets | 76.6624% | 531 |
| Net loans and leases to deposits | 87.5459% | 808 |
| Net loans and leases to core deposits | 88.8615% | 1,215 |
| Total domestic deposits to total assets | 87.5682% | 2,060 |
| Equity capital to assets | 9.2515% | 3,558 |
| Core capital (leverage) ratio | 9.1579% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7521% | 2,454 |
| Memoranda: |
| Average total assets | $9,606,182,667 | 163 |
| Average earning assets | $9,181,936,667 | 159 |
| Average equity | $931,044,000 | 178 |
| Average total loans | $7,776,487,000 | 146 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4536% | 3,058 |
| Cost of funding earning assets | 0.2589% | 3,390 |
| Net interest margin | 3.1948% | 2,718 |
| Noninterest income to average assets | 3.6201% | 163 |
| Noninterest expense to average assets | 4.1870% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8073% | 779 |
| Return on assets (ROA) | 1.8080% | 831 |
| Pretax return on assets | 2.4880% | 445 |
| Return on Equity (ROE) | 18.1997% | 707 |
| Retained earnings to average equity (ytd only) | 18.1997% | 358 |
| Net charge-offs to loans | 0.0091% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 332.4253% | 273 |
| Efficiency ratio | 62.7343% | 2,643 |
| Assets per employee ($millions) | 6.1847% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7727% | 915 |
| Loan loss allowance to noncurrent loans | 1,459.3889% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,691 |
| Noncurrent loans to loans | 0.1215% | 3,705 |
| Net loans and leases to total assets | 79.6598% | 354 |
| Net loans and leases to deposits | 91.1693% | 637 |
| Net loans and leases to core deposits | 92.8370% | 1,051 |
| Total domestic deposits to total assets | 87.3756% | 2,146 |
| Equity capital to assets | 9.6090% | 3,093 |
| Core capital (leverage) ratio | 9.9407% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2097% | 2,204 |
| Memoranda: |
| Average total assets | $9,302,428,000 | 167 |
| Average earning assets | $8,892,629,500 | 161 |
| Average equity | $924,105,500 | 179 |
| Average total loans | $7,683,048,500 | 146 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9613% | 2,851 |
| Cost of funding earning assets | 0.3765% | 3,728 |
| Net interest margin | 3.5848% | 2,193 |
| Noninterest income to average assets | 4.0535% | 136 |
| Noninterest expense to average assets | 4.4986% | 257 |
| Loan and lease loss provision to assets | 0.9477% | 112 |
| Net operating income to assets | 1.4804% | 857 |
| Return on assets (ROA) | 1.4806% | 927 |
| Pretax return on assets | 2.0432% | 417 |
| Return on Equity (ROE) | 14.4249% | 728 |
| Retained earnings to average equity (ytd only) | 14.4249% | 175 |
| Net charge-offs to loans | 0.0224% | 2,604 |
| Credit loss provision to net charge-offs | 4,686.5104% | 226 |
| Earnings coverage of net charge-offs (x) | 147.8980% | 586 |
| Efficiency ratio | 60.0673% | 3,449 |
| Assets per employee ($millions) | 5.8867% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9150% | 700 |
| Loan loss allowance to noncurrent loans | 1,366.9242% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,630 |
| Noncurrent loans to loans | 0.1401% | 3,722 |
| Net loans and leases to total assets | 82.6536% | 252 |
| Net loans and leases to deposits | 94.9503% | 605 |
| Net loans and leases to core deposits | 97.1068% | 1,053 |
| Total domestic deposits to total assets | 87.0493% | 1,923 |
| Equity capital to assets | 10.2984% | 2,838 |
| Core capital (leverage) ratio | 10.4146% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4379% | 2,071 |
| Memoranda: |
| Average total assets | $7,808,727,400 | 178 |
| Average earning assets | $7,483,899,600 | 170 |
| Average equity | $801,524,800 | 188 |
| Average total loans | $7,060,597,800 | 151 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0347% | 2,876 |
| Cost of funding earning assets | 0.4012% | 3,800 |
| Net interest margin | 3.6335% | 2,147 |
| Noninterest income to average assets | 3.7159% | 146 |
| Noninterest expense to average assets | 4.2846% | 302 |
| Loan and lease loss provision to assets | 1.2332% | 84 |
| Net operating income to assets | 1.2250% | 1,562 |
| Return on assets (ROA) | 1.2253% | 1,680 |
| Pretax return on assets | 1.6846% | 995 |
| Return on Equity (ROE) | 11.9483% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.9483% | 428 |
| Net charge-offs to loans | 0.0243% | 2,352 |
| Credit loss provision to net charge-offs | 5,498.8217% | 202 |
| Earnings coverage of net charge-offs (x) | 130.0872% | 661 |
| Efficiency ratio | 59.4913% | 3,454 |
| Assets per employee ($millions) | 5.6998% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8191% | 689 |
| Loan loss allowance to noncurrent loans | 1,359.0752% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 3,733 |
| Noncurrent loans to loans | 0.1338% | 3,845 |
| Net loans and leases to total assets | 90.4596% | 32 |
| Net loans and leases to deposits | 105.7867% | 329 |
| Net loans and leases to core deposits | 108.4820% | 753 |
| Total domestic deposits to total assets | 85.5113% | 2,246 |
| Equity capital to assets | 10.4229% | 2,858 |
| Core capital (leverage) ratio | 10.1116% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7743% | 2,294 |
| Memoranda: |
| Average total assets | $7,568,100,750 | 180 |
| Average earning assets | $7,261,087,000 | 170 |
| Average equity | $776,081,250 | 192 |
| Average total loans | $6,977,926,500 | 152 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1461% | 2,919 |
| Cost of funding earning assets | 0.4303% | 3,894 |
| Net interest margin | 3.7158% | 2,110 |
| Noninterest income to average assets | 2.7090% | 192 |
| Noninterest expense to average assets | 4.0748% | 380 |
| Loan and lease loss provision to assets | 0.9144% | 244 |
| Net operating income to assets | 0.9426% | 2,527 |
| Return on assets (ROA) | 0.9430% | 2,655 |
| Pretax return on assets | 1.2871% | 2,080 |
| Return on Equity (ROE) | 9.2523% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.2523% | 946 |
| Net charge-offs to loans | 0.0170% | 2,386 |
| Credit loss provision to net charge-offs | 5,843.4783% | 201 |
| Earnings coverage of net charge-offs (x) | 140.6522% | 555 |
| Efficiency ratio | 64.9294% | 2,670 |
| Assets per employee ($millions) | 5.9609% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3722% | 1,679 |
| Loan loss allowance to noncurrent loans | 619.2725% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 3,415 |
| Noncurrent loans to loans | 0.2216% | 3,584 |
| Net loans and leases to total assets | 89.7711% | 34 |
| Net loans and leases to deposits | 104.5015% | 358 |
| Net loans and leases to core deposits | 110.8100% | 708 |
| Total domestic deposits to total assets | 85.9042% | 2,056 |
| Equity capital to assets | 10.0567% | 3,157 |
| Core capital (leverage) ratio | 10.1620% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4992% | 2,398 |
| Memoranda: |
| Average total assets | $7,349,198,667 | 180 |
| Average earning assets | $7,054,116,333 | 172 |
| Average equity | $749,020,667 | 193 |
| Average total loans | $6,777,908,000 | 155 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2314% | 3,115 |
| Cost of funding earning assets | 0.4793% | 4,033 |
| Net interest margin | 3.7521% | 2,135 |
| Noninterest income to average assets | 2.0777% | 254 |
| Noninterest expense to average assets | 3.9725% | 521 |
| Loan and lease loss provision to assets | 0.5768% | 486 |
| Net operating income to assets | 0.8352% | 2,770 |
| Return on assets (ROA) | 0.8352% | 2,859 |
| Pretax return on assets | 1.1272% | 2,435 |
| Return on Equity (ROE) | 8.1315% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.1315% | 1,196 |
| Net charge-offs to loans | 0.0305% | 1,772 |
| Credit loss provision to net charge-offs | 2,036.6599% | 334 |
| Earnings coverage of net charge-offs (x) | 60.1670% | 803 |
| Efficiency ratio | 69.9810% | 2,353 |
| Assets per employee ($millions) | 5.4605% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1751% | 2,803 |
| Loan loss allowance to noncurrent loans | 672.5943% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 3,691 |
| Noncurrent loans to loans | 0.1747% | 3,847 |
| Net loans and leases to total assets | 89.6421% | 40 |
| Net loans and leases to deposits | 105.5203% | 308 |
| Net loans and leases to core deposits | 112.4089% | 737 |
| Total domestic deposits to total assets | 84.9525% | 2,433 |
| Equity capital to assets | 10.8752% | 2,966 |
| Core capital (leverage) ratio | 11.6708% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3253% | 2,562 |
| Memoranda: |
| Average total assets | $6,934,638,500 | 185 |
| Average earning assets | $6,651,156,500 | 178 |
| Average equity | $712,295,500 | 200 |
| Average total loans | $6,444,903,500 | 158 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6029% | 2,607 |
| Cost of funding earning assets | 0.5634% | 3,809 |
| Net interest margin | 4.0395% | 1,711 |
| Noninterest income to average assets | 2.1334% | 237 |
| Noninterest expense to average assets | 4.0588% | 496 |
| Loan and lease loss provision to assets | 0.2980% | 565 |
| Net operating income to assets | 1.2015% | 2,053 |
| Return on assets (ROA) | 1.2015% | 2,152 |
| Pretax return on assets | 1.6566% | 1,318 |
| Return on Equity (ROE) | 12.7845% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.7845% | 176 |
| Net charge-offs to loans | 0.0451% | 2,483 |
| Credit loss provision to net charge-offs | 703.9499% | 452 |
| Earnings coverage of net charge-offs (x) | 46.1689% | 1,194 |
| Efficiency ratio | 67.4952% | 2,530 |
| Assets per employee ($millions) | 4.9787% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1152% | 2,852 |
| Loan loss allowance to noncurrent loans | 1,089.0815% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,003 |
| Noncurrent loans to loans | 0.1024% | 4,112 |
| Net loans and leases to total assets | 94.4069% | 8 |
| Net loans and leases to deposits | 108.2262% | 222 |
| Net loans and leases to core deposits | 110.2735% | 834 |
| Total domestic deposits to total assets | 87.2310% | 1,498 |
| Equity capital to assets | 9.5856% | 4,283 |
| Core capital (leverage) ratio | 9.5577% | 4,004 |
| Tier 1 risk-based capital ratio | 10.0369% | 5,118 |
| Total risk-based capital ratio | 11.1736% | 5,094 |
| Memoranda: |
| Average total assets | $6,039,598,800 | 196 |
| Average earning assets | $5,801,222,600 | 186 |
| Average equity | $567,584,000 | 227 |
| Average total loans | $5,675,433,400 | 163 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6013% | 2,714 |
| Cost of funding earning assets | 0.5595% | 3,873 |
| Net interest margin | 4.0418% | 1,798 |
| Noninterest income to average assets | 2.0552% | 252 |
| Noninterest expense to average assets | 4.0291% | 511 |
| Loan and lease loss provision to assets | 0.2565% | 628 |
| Net operating income to assets | 1.2090% | 2,165 |
| Return on assets (ROA) | 1.2090% | 2,238 |
| Pretax return on assets | 1.6534% | 1,463 |
| Return on Equity (ROE) | 12.9353% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.9353% | 287 |
| Net charge-offs to loans | 0.0393% | 2,303 |
| Credit loss provision to net charge-offs | 698.1017% | 480 |
| Earnings coverage of net charge-offs (x) | 51.9871% | 1,163 |
| Efficiency ratio | 67.8411% | 2,446 |
| Assets per employee ($millions) | 4.9771% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0638% | 3,212 |
| Loan loss allowance to noncurrent loans | 651.4168% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 3,828 |
| Noncurrent loans to loans | 0.1633% | 3,960 |
| Net loans and leases to total assets | 94.1685% | 7 |
| Net loans and leases to deposits | 108.3403% | 256 |
| Net loans and leases to core deposits | 110.3385% | 936 |
| Total domestic deposits to total assets | 86.9192% | 1,561 |
| Equity capital to assets | 9.4727% | 4,478 |
| Core capital (leverage) ratio | 9.4564% | 4,211 |
| Tier 1 risk-based capital ratio | 9.9659% | 5,193 |
| Total risk-based capital ratio | 11.0546% | 5,185 |
| Memoranda: |
| Average total assets | $5,926,453,500 | 202 |
| Average earning assets | $5,694,806,500 | 191 |
| Average equity | $553,900,750 | 233 |
| Average total loans | $5,544,745,000 | 168 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5444% | 2,870 |
| Cost of funding earning assets | 0.5490% | 3,876 |
| Net interest margin | 3.9954% | 1,937 |
| Noninterest income to average assets | 1.7958% | 307 |
| Noninterest expense to average assets | 3.8805% | 612 |
| Loan and lease loss provision to assets | 0.2030% | 840 |
| Net operating income to assets | 1.1370% | 2,382 |
| Return on assets (ROA) | 1.1370% | 2,460 |
| Pretax return on assets | 1.5531% | 1,688 |
| Return on Equity (ROE) | 12.2243% | 1,499 |
| Retained earnings to average equity (ytd only) | 12.2243% | 382 |
| Net charge-offs to loans | 0.0503% | 1,927 |
| Credit loss provision to net charge-offs | 434.1428% | 666 |
| Earnings coverage of net charge-offs (x) | 37.5585% | 1,288 |
| Efficiency ratio | 68.8451% | 2,398 |
| Assets per employee ($millions) | 4.9501% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0147% | 3,531 |
| Loan loss allowance to noncurrent loans | 289.5033% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,159 |
| Noncurrent loans to loans | 0.3505% | 3,299 |
| Net loans and leases to total assets | 94.0438% | 6 |
| Net loans and leases to deposits | 108.3582% | 259 |
| Net loans and leases to core deposits | 110.7401% | 940 |
| Total domestic deposits to total assets | 86.7898% | 1,687 |
| Equity capital to assets | 9.4850% | 4,415 |
| Core capital (leverage) ratio | 9.3757% | 4,275 |
| Tier 1 risk-based capital ratio | 9.9515% | 5,234 |
| Total risk-based capital ratio | 10.9861% | 5,232 |
| Memoranda: |
| Average total assets | $5,813,220,330 | 205 |
| Average earning assets | $5,588,212,330 | 194 |
| Average equity | $540,676,000 | 237 |
| Average total loans | $5,404,930,670 | 169 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4222% | 3,142 |
| Cost of funding earning assets | 0.5288% | 3,925 |
| Net interest margin | 3.8933% | 2,206 |
| Noninterest income to average assets | 1.4762% | 400 |
| Noninterest expense to average assets | 3.7208% | 736 |
| Loan and lease loss provision to assets | 0.1403% | 1,222 |
| Net operating income to assets | 1.0008% | 2,834 |
| Return on assets (ROA) | 1.0008% | 2,877 |
| Pretax return on assets | 1.3626% | 2,227 |
| Return on Equity (ROE) | 10.8744% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.8744% | 828 |
| Net charge-offs to loans | 0.0097% | 2,344 |
| Credit loss provision to net charge-offs | 1,574.8031% | 248 |
| Earnings coverage of net charge-offs (x) | 168.6457% | 454 |
| Efficiency ratio | 71.2286% | 2,155 |
| Assets per employee ($millions) | 5.0554% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0395% | 3,469 |
| Loan loss allowance to noncurrent loans | 165.3196% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 2,345 |
| Noncurrent loans to loans | 0.6288% | 2,441 |
| Net loans and leases to total assets | 88.0585% | 96 |
| Net loans and leases to deposits | 98.3094% | 763 |
| Net loans and leases to core deposits | 100.4352% | 1,582 |
| Total domestic deposits to total assets | 89.5728% | 614 |
| Equity capital to assets | 8.9865% | 4,696 |
| Core capital (leverage) ratio | 9.4485% | 4,201 |
| Tier 1 risk-based capital ratio | 10.1252% | 5,260 |
| Total risk-based capital ratio | 11.1900% | 5,254 |
| Memoranda: |
| Average total assets | $5,700,255,500 | 208 |
| Average earning assets | $5,486,820,500 | 195 |
| Average equity | $524,606,500 | 243 |
| Average total loans | $5,238,561,500 | 171 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4662% | 2,561 |
| Cost of funding earning assets | 0.4178% | 3,880 |
| Net interest margin | 4.0484% | 1,834 |
| Noninterest income to average assets | 2.0321% | 262 |
| Noninterest expense to average assets | 4.0339% | 510 |
| Loan and lease loss provision to assets | 0.1934% | 982 |
| Net operating income to assets | 1.2331% | 2,033 |
| Return on assets (ROA) | 1.2345% | 2,024 |
| Pretax return on assets | 1.6976% | 1,173 |
| Return on Equity (ROE) | 13.1868% | 1,277 |
| Retained earnings to average equity (ytd only) | 13.1868% | 219 |
| Net charge-offs to loans | 0.0207% | 3,012 |
| Credit loss provision to net charge-offs | 994.8980% | 378 |
| Earnings coverage of net charge-offs (x) | 97.1959% | 751 |
| Efficiency ratio | 68.1044% | 2,525 |
| Assets per employee ($millions) | 4.6586% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0458% | 3,414 |
| Loan loss allowance to noncurrent loans | 699.6090% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,022 |
| Noncurrent loans to loans | 0.1495% | 4,076 |
| Net loans and leases to total assets | 94.1528% | 8 |
| Net loans and leases to deposits | 108.7356% | 285 |
| Net loans and leases to core deposits | 111.3346% | 916 |
| Total domestic deposits to total assets | 86.5888% | 1,970 |
| Equity capital to assets | 9.4445% | 4,175 |
| Core capital (leverage) ratio | 9.5518% | 4,057 |
| Tier 1 risk-based capital ratio | 9.9467% | 5,318 |
| Total risk-based capital ratio | 11.0167% | 5,312 |
| Memoranda: |
| Average total assets | $5,041,931,600 | 223 |
| Average earning assets | $4,845,855,400 | 215 |
| Average equity | $472,017,800 | 255 |
| Average total loans | $4,740,257,400 | 181 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4097% | 2,593 |
| Cost of funding earning assets | 0.3769% | 4,010 |
| Net interest margin | 4.0329% | 1,848 |
| Noninterest income to average assets | 2.0924% | 257 |
| Noninterest expense to average assets | 4.1092% | 452 |
| Loan and lease loss provision to assets | 0.1211% | 1,668 |
| Net operating income to assets | 1.2846% | 1,914 |
| Return on assets (ROA) | 1.2865% | 1,909 |
| Pretax return on assets | 1.7428% | 1,167 |
| Return on Equity (ROE) | 13.7752% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.7752% | 273 |
| Net charge-offs to loans | 0.0115% | 3,004 |
| Credit loss provision to net charge-offs | 1,125.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 172.9100% | 485 |
| Efficiency ratio | 68.8220% | 2,383 |
| Assets per employee ($millions) | 4.5805% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0031% | 3,735 |
| Loan loss allowance to noncurrent loans | 687.1985% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,143 |
| Noncurrent loans to loans | 0.1460% | 4,234 |
| Net loans and leases to total assets | 94.3649% | 8 |
| Net loans and leases to deposits | 109.6681% | 298 |
| Net loans and leases to core deposits | 112.3322% | 900 |
| Total domestic deposits to total assets | 86.0459% | 2,165 |
| Equity capital to assets | 9.5101% | 4,075 |
| Core capital (leverage) ratio | 9.5139% | 4,156 |
| Tier 1 risk-based capital ratio | 10.0535% | 5,371 |
| Total risk-based capital ratio | 11.0855% | 5,368 |
| Memoranda: |
| Average total assets | $4,953,740,750 | 222 |
| Average earning assets | $4,763,902,500 | 216 |
| Average equity | $462,646,750 | 255 |
| Average total loans | $4,642,087,000 | 182 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3366% | 2,639 |
| Cost of funding earning assets | 0.3582% | 4,020 |
| Net interest margin | 3.9784% | 1,930 |
| Noninterest income to average assets | 2.0065% | 272 |
| Noninterest expense to average assets | 4.0470% | 499 |
| Loan and lease loss provision to assets | 0.1797% | 1,001 |
| Net operating income to assets | 1.1925% | 2,233 |
| Return on assets (ROA) | 1.1922% | 2,232 |
| Pretax return on assets | 1.6068% | 1,481 |
| Return on Equity (ROE) | 12.8470% | 1,424 |
| Retained earnings to average equity (ytd only) | 12.8470% | 403 |
| Net charge-offs to loans | 0.0237% | 2,393 |
| Credit loss provision to net charge-offs | 813.3087% | 493 |
| Earnings coverage of net charge-offs (x) | 80.8632% | 818 |
| Efficiency ratio | 69.3704% | 2,414 |
| Assets per employee ($millions) | 4.5300% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0276% | 3,665 |
| Loan loss allowance to noncurrent loans | 745.4907% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,196 |
| Noncurrent loans to loans | 0.1378% | 4,285 |
| Net loans and leases to total assets | 94.0090% | 10 |
| Net loans and leases to deposits | 107.8991% | 352 |
| Net loans and leases to core deposits | 110.9501% | 941 |
| Total domestic deposits to total assets | 87.1268% | 1,788 |
| Equity capital to assets | 9.3876% | 4,198 |
| Core capital (leverage) ratio | 9.3153% | 4,344 |
| Tier 1 risk-based capital ratio | 9.9862% | 5,432 |
| Total risk-based capital ratio | 11.0475% | 5,425 |
| Memoranda: |
| Average total assets | $4,896,457,000 | 221 |
| Average earning assets | $4,710,628,330 | 215 |
| Average equity | $454,378,670 | 255 |
| Average total loans | $4,560,858,670 | 182 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2356% | 2,765 |
| Cost of funding earning assets | 0.3353% | 4,099 |
| Net interest margin | 3.9003% | 2,044 |
| Noninterest income to average assets | 1.8736% | 294 |
| Noninterest expense to average assets | 3.9500% | 558 |
| Loan and lease loss provision to assets | 0.2063% | 791 |
| Net operating income to assets | 1.0825% | 2,511 |
| Return on assets (ROA) | 1.0825% | 2,528 |
| Pretax return on assets | 1.4684% | 1,772 |
| Return on Equity (ROE) | 11.7359% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.7359% | 731 |
| Net charge-offs to loans | 0.0254% | 1,993 |
| Credit loss provision to net charge-offs | 880.2817% | 379 |
| Earnings coverage of net charge-offs (x) | 71.4472% | 762 |
| Efficiency ratio | 70.2255% | 2,450 |
| Assets per employee ($millions) | 4.6157% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0553% | 3,629 |
| Loan loss allowance to noncurrent loans | 2,370.5734% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,752 |
| Noncurrent loans to loans | 0.0445% | 4,775 |
| Net loans and leases to total assets | 89.6338% | 72 |
| Net loans and leases to deposits | 100.5871% | 669 |
| Net loans and leases to core deposits | 103.7187% | 1,398 |
| Total domestic deposits to total assets | 89.1106% | 1,049 |
| Equity capital to assets | 9.1941% | 4,371 |
| Core capital (leverage) ratio | 9.1956% | 4,439 |
| Tier 1 risk-based capital ratio | 10.1896% | 5,450 |
| Total risk-based capital ratio | 11.2741% | 5,437 |
| Memoranda: |
| Average total assets | $4,846,380,500 | 221 |
| Average earning assets | $4,661,087,000 | 212 |
| Average equity | $447,037,500 | 258 |
| Average total loans | $4,468,271,000 | 185 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1589% | 2,844 |
| Cost of funding earning assets | 0.2557% | 4,517 |
| Net interest margin | 3.9032% | 2,078 |
| Noninterest income to average assets | 2.2842% | 246 |
| Noninterest expense to average assets | 3.8532% | 652 |
| Loan and lease loss provision to assets | 0.1520% | 1,484 |
| Net operating income to assets | 1.1246% | 1,772 |
| Return on assets (ROA) | 1.1246% | 1,803 |
| Pretax return on assets | 2.0244% | 463 |
| Return on Equity (ROE) | 12.2158% | 1,146 |
| Retained earnings to average equity (ytd only) | 12.2158% | 167 |
| Net charge-offs to loans | 0.0101% | 3,730 |
| Credit loss provision to net charge-offs | 1,646.4891% | 235 |
| Earnings coverage of net charge-offs (x) | 235.8063% | 353 |
| Efficiency ratio | 63.9055% | 3,619 |
| Assets per employee ($millions) | 4.5235% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0045% | 3,909 |
| Loan loss allowance to noncurrent loans | 1,013.5635% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,631 |
| Noncurrent loans to loans | 0.0991% | 4,544 |
| Net loans and leases to total assets | 92.9197% | 21 |
| Net loans and leases to deposits | 104.2896% | 480 |
| Net loans and leases to core deposits | 107.4713% | 1,181 |
| Total domestic deposits to total assets | 89.0977% | 965 |
| Equity capital to assets | 9.2553% | 4,471 |
| Core capital (leverage) ratio | 9.3434% | 4,238 |
| Tier 1 risk-based capital ratio | 9.9976% | 5,535 |
| Total risk-based capital ratio | 11.0426% | 5,534 |
| Memoranda: |
| Average total assets | $4,474,836,400 | 227 |
| Average earning assets | $4,293,873,400 | 215 |
| Average equity | $411,974,800 | 262 |
| Average total loans | $4,091,059,600 | 187 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1118% | 2,948 |
| Cost of funding earning assets | 0.2433% | 4,630 |
| Net interest margin | 3.8685% | 2,153 |
| Noninterest income to average assets | 2.3811% | 238 |
| Noninterest expense to average assets | 4.0198% | 506 |
| Loan and lease loss provision to assets | 0.1454% | 1,446 |
| Net operating income to assets | 1.1879% | 1,743 |
| Return on assets (ROA) | 1.1879% | 1,781 |
| Pretax return on assets | 1.9279% | 640 |
| Return on Equity (ROE) | 12.9217% | 1,077 |
| Retained earnings to average equity (ytd only) | 12.9217% | 230 |
| Net charge-offs to loans | -0.0096% | 4,628 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9730% | 3,217 |
| Assets per employee ($millions) | 4.4007% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0186% | 3,962 |
| Loan loss allowance to noncurrent loans | 598.4905% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 4,439 |
| Noncurrent loans to loans | 0.1702% | 4,386 |
| Net loans and leases to total assets | 92.5097% | 26 |
| Net loans and leases to deposits | 103.5345% | 524 |
| Net loans and leases to core deposits | 106.6863% | 1,224 |
| Total domestic deposits to total assets | 89.3515% | 724 |
| Equity capital to assets | 9.2828% | 4,658 |
| Core capital (leverage) ratio | 9.2626% | 4,449 |
| Tier 1 risk-based capital ratio | 9.9617% | 5,606 |
| Total risk-based capital ratio | 11.0121% | 5,613 |
| Memoranda: |
| Average total assets | $4,402,735,000 | 231 |
| Average earning assets | $4,224,628,000 | 218 |
| Average equity | $404,756,000 | 262 |
| Average total loans | $3,996,099,750 | 193 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0359% | 3,061 |
| Cost of funding earning assets | 0.2371% | 4,666 |
| Net interest margin | 3.7988% | 2,292 |
| Noninterest income to average assets | 2.2338% | 268 |
| Noninterest expense to average assets | 3.9498% | 564 |
| Loan and lease loss provision to assets | 0.0852% | 2,284 |
| Net operating income to assets | 1.1386% | 1,828 |
| Return on assets (ROA) | 1.1386% | 1,880 |
| Pretax return on assets | 1.8438% | 756 |
| Return on Equity (ROE) | 12.4276% | 1,180 |
| Retained earnings to average equity (ytd only) | 12.4276% | 282 |
| Net charge-offs to loans | -0.0247% | 4,858 |
| Credit loss provision to net charge-offs | -384.6154% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1878% | 3,158 |
| Assets per employee ($millions) | 4.3265% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9890% | 4,220 |
| Loan loss allowance to noncurrent loans | 543.2846% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 4,491 |
| Noncurrent loans to loans | 0.1820% | 4,391 |
| Net loans and leases to total assets | 92.4961% | 26 |
| Net loans and leases to deposits | 103.3659% | 529 |
| Net loans and leases to core deposits | 106.8278% | 1,172 |
| Total domestic deposits to total assets | 89.4842% | 730 |
| Equity capital to assets | 9.2905% | 4,629 |
| Core capital (leverage) ratio | 9.0482% | 4,671 |
| Tier 1 risk-based capital ratio | 10.0151% | 5,627 |
| Total risk-based capital ratio | 11.0404% | 5,642 |
| Memoranda: |
| Average total assets | $4,343,265,330 | 234 |
| Average earning assets | $4,167,334,670 | 222 |
| Average equity | $397,922,000 | 266 |
| Average total loans | $3,900,928,670 | 195 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9175% | 3,335 |
| Cost of funding earning assets | 0.2253% | 4,748 |
| Net interest margin | 3.6922% | 2,508 |
| Noninterest income to average assets | 2.0220% | 311 |
| Noninterest expense to average assets | 3.8549% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0610% | 2,028 |
| Return on assets (ROA) | 1.0610% | 2,067 |
| Pretax return on assets | 1.7121% | 979 |
| Return on Equity (ROE) | 11.6643% | 1,347 |
| Retained earnings to average equity (ytd only) | 11.6643% | 507 |
| Net charge-offs to loans | -0.0520% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2459% | 3,002 |
| Assets per employee ($millions) | 4.3872% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0061% | 4,240 |
| Loan loss allowance to noncurrent loans | 638.8734% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 4,693 |
| Noncurrent loans to loans | 0.1575% | 4,555 |
| Net loans and leases to total assets | 86.7243% | 173 |
| Net loans and leases to deposits | 96.5524% | 889 |
| Net loans and leases to core deposits | 99.6358% | 1,530 |
| Total domestic deposits to total assets | 89.8210% | 740 |
| Equity capital to assets | 8.9733% | 4,832 |
| Core capital (leverage) ratio | 8.9252% | 4,820 |
| Tier 1 risk-based capital ratio | 10.2130% | 5,647 |
| Total risk-based capital ratio | 11.2459% | 5,666 |
| Memoranda: |
| Average total assets | $4,304,055,500 | 236 |
| Average earning assets | $4,132,404,000 | 224 |
| Average equity | $391,485,000 | 269 |
| Average total loans | $3,786,022,000 | 198 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0897% | 2,896 |
| Cost of funding earning assets | 0.2387% | 4,666 |
| Net interest margin | 3.8509% | 2,133 |
| Noninterest income to average assets | 2.7724% | 227 |
| Noninterest expense to average assets | 4.4614% | 391 |
| Loan and lease loss provision to assets | 0.2371% | 907 |
| Net operating income to assets | 1.0903% | 1,932 |
| Return on assets (ROA) | 1.0935% | 2,023 |
| Pretax return on assets | 1.7706% | 856 |
| Return on Equity (ROE) | 11.7605% | 1,327 |
| Retained earnings to average equity (ytd only) | 11.2121% | 291 |
| Net charge-offs to loans | 0.0034% | 4,140 |
| Credit loss provision to net charge-offs | 7,560.9756% | 64 |
| Earnings coverage of net charge-offs (x) | 638.6423% | 127 |
| Efficiency ratio | 69.0187% | 3,071 |
| Assets per employee ($millions) | 4.1607% | 3,686 |
| Cash dividends to net income (ytd only)* | 4.6628% | 4,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0429% | 4,054 |
| Loan loss allowance to noncurrent loans | 903.8949% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 4,884 |
| Noncurrent loans to loans | 0.1154% | 4,773 |
| Net loans and leases to total assets | 87.4221% | 153 |
| Net loans and leases to deposits | 97.6421% | 855 |
| Net loans and leases to core deposits | 100.9503% | 1,546 |
| Total domestic deposits to total assets | 89.5332% | 846 |
| Equity capital to assets | 9.2253% | 4,553 |
| Core capital (leverage) ratio | 9.1221% | 4,590 |
| Tier 1 risk-based capital ratio | 10.4137% | 5,611 |
| Total risk-based capital ratio | 11.4854% | 5,623 |
| Memoranda: |
| Average total assets | $3,922,491,000 | 240 |
| Average earning assets | $3,760,232,400 | 229 |
| Average equity | $364,720,800 | 275 |
| Average total loans | $3,575,535,600 | 196 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1058% | 2,852 |
| Cost of funding earning assets | 0.2400% | 4,701 |
| Net interest margin | 3.8658% | 2,094 |
| Noninterest income to average assets | 2.7682% | 228 |
| Noninterest expense to average assets | 4.4542% | 400 |
| Loan and lease loss provision to assets | 0.1832% | 1,200 |
| Net operating income to assets | 1.1364% | 1,857 |
| Return on assets (ROA) | 1.1364% | 1,966 |
| Pretax return on assets | 1.8377% | 824 |
| Return on Equity (ROE) | 12.1953% | 1,264 |
| Retained earnings to average equity (ytd only) | 11.4535% | 365 |
| Net charge-offs to loans | -0.0042% | 4,587 |
| Credit loss provision to net charge-offs | -4,732.1429% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7900% | 3,082 |
| Assets per employee ($millions) | 4.0134% | 3,943 |
| Cash dividends to net income (ytd only)* | 6.0829% | 3,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9376% | 4,717 |
| Loan loss allowance to noncurrent loans | 805.1656% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,904 |
| Noncurrent loans to loans | 0.1165% | 4,872 |
| Net loans and leases to total assets | 91.9600% | 24 |
| Net loans and leases to deposits | 103.1671% | 493 |
| Net loans and leases to core deposits | 106.9179% | 1,116 |
| Total domestic deposits to total assets | 89.1369% | 831 |
| Equity capital to assets | 9.4274% | 4,744 |
| Core capital (leverage) ratio | 9.2903% | 4,470 |
| Tier 1 risk-based capital ratio | 10.1530% | 5,746 |
| Total risk-based capital ratio | 11.1216% | 5,791 |
| Memoranda: |
| Average total assets | $3,857,749,250 | 243 |
| Average earning assets | $3,699,044,750 | 231 |
| Average equity | $359,462,750 | 278 |
| Average total loans | $3,545,909,000 | 199 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0643% | 3,011 |
| Cost of funding earning assets | 0.2441% | 4,718 |
| Net interest margin | 3.8202% | 2,241 |
| Noninterest income to average assets | 2.4649% | 258 |
| Noninterest expense to average assets | 4.3006% | 447 |
| Loan and lease loss provision to assets | 0.1600% | 1,422 |
| Net operating income to assets | 1.0400% | 2,222 |
| Return on assets (ROA) | 1.0400% | 2,346 |
| Pretax return on assets | 1.6695% | 1,172 |
| Return on Equity (ROE) | 11.2071% | 1,570 |
| Retained earnings to average equity (ytd only) | 10.0765% | 580 |
| Net charge-offs to loans | -0.0140% | 4,809 |
| Credit loss provision to net charge-offs | -1,244.8980% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1550% | 2,954 |
| Assets per employee ($millions) | 3.9390% | 4,019 |
| Cash dividends to net income (ytd only)* | 10.0883% | 3,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8873% | 4,999 |
| Loan loss allowance to noncurrent loans | 255.5947% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 4,162 |
| Noncurrent loans to loans | 0.3471% | 4,129 |
| Net loans and leases to total assets | 93.6926% | 13 |
| Net loans and leases to deposits | 106.5424% | 347 |
| Net loans and leases to core deposits | 110.5665% | 902 |
| Total domestic deposits to total assets | 87.9393% | 1,465 |
| Equity capital to assets | 9.3401% | 4,931 |
| Core capital (leverage) ratio | 9.1558% | 4,653 |
| Tier 1 risk-based capital ratio | 9.8644% | 5,885 |
| Total risk-based capital ratio | 10.7811% | 5,924 |
| Memoranda: |
| Average total assets | $3,812,545,000 | 245 |
| Average earning assets | $3,657,838,670 | 232 |
| Average equity | $353,794,000 | 280 |
| Average total loans | $3,492,194,330 | 203 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0488% | 3,038 |
| Cost of funding earning assets | 0.2489% | 4,718 |
| Net interest margin | 3.7999% | 2,286 |
| Noninterest income to average assets | 2.0706% | 328 |
| Noninterest expense to average assets | 4.1083% | 544 |
| Loan and lease loss provision to assets | 0.1060% | 1,926 |
| Net operating income to assets | 0.9422% | 2,552 |
| Return on assets (ROA) | 0.9422% | 2,665 |
| Pretax return on assets | 1.5032% | 1,573 |
| Return on Equity (ROE) | 10.1873% | 1,911 |
| Retained earnings to average equity (ytd only) | 7.8947% | 1,504 |
| Net charge-offs to loans | -0.0151% | 4,716 |
| Credit loss provision to net charge-offs | -781.2500% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8543% | 2,818 |
| Assets per employee ($millions) | 3.9931% | 3,958 |
| Cash dividends to net income (ytd only)* | 22.5048% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8786% | 5,124 |
| Loan loss allowance to noncurrent loans | 698.8076% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 5,104 |
| Noncurrent loans to loans | 0.1257% | 4,972 |
| Net loans and leases to total assets | 88.3960% | 99 |
| Net loans and leases to deposits | 98.6895% | 709 |
| Net loans and leases to core deposits | 102.5033% | 1,294 |
| Total domestic deposits to total assets | 89.5698% | 804 |
| Equity capital to assets | 9.0641% | 5,107 |
| Core capital (leverage) ratio | 8.9265% | 4,942 |
| Tier 1 risk-based capital ratio | 10.0103% | 5,912 |
| Total risk-based capital ratio | 10.9067% | 5,953 |
| Memoranda: |
| Average total assets | $3,772,936,500 | 247 |
| Average earning assets | $3,621,019,500 | 234 |
| Average equity | $348,944,500 | 282 |
| Average total loans | $3,398,824,000 | 203 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1697% | 2,666 |
| Cost of funding earning assets | 0.3036% | 4,206 |
| Net interest margin | 3.8661% | 2,143 |
| Noninterest income to average assets | 2.8544% | 218 |
| Noninterest expense to average assets | 4.7378% | 348 |
| Loan and lease loss provision to assets | 0.1382% | 1,712 |
| Net operating income to assets | 1.0598% | 2,084 |
| Return on assets (ROA) | 1.0596% | 2,167 |
| Pretax return on assets | 1.6807% | 1,043 |
| Return on Equity (ROE) | 11.2486% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.2486% | 321 |
| Net charge-offs to loans | -0.0032% | 4,921 |
| Credit loss provision to net charge-offs | -4,705.8824% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2552% | 2,861 |
| Assets per employee ($millions) | 3.7619% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8815% | 5,150 |
| Loan loss allowance to noncurrent loans | 1,059.4585% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 5,297 |
| Noncurrent loans to loans | 0.0832% | 5,167 |
| Net loans and leases to total assets | 90.2440% | 60 |
| Net loans and leases to deposits | 101.2549% | 592 |
| Net loans and leases to core deposits | 105.5854% | 1,122 |
| Total domestic deposits to total assets | 89.1255% | 1,057 |
| Equity capital to assets | 9.4449% | 4,617 |
| Core capital (leverage) ratio | 9.3039% | 4,467 |
| Tier 1 risk-based capital ratio | 10.1887% | 5,899 |
| Total risk-based capital ratio | 11.0854% | 5,951 |
| Memoranda: |
| Average total assets | $3,473,576,000 | 248 |
| Average earning assets | $3,326,662,400 | 240 |
| Average equity | $327,196,600 | 278 |
| Average total loans | $3,145,820,600 | 204 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1620% | 2,708 |
| Cost of funding earning assets | 0.3123% | 4,197 |
| Net interest margin | 3.8498% | 2,189 |
| Noninterest income to average assets | 2.9512% | 218 |
| Noninterest expense to average assets | 4.7413% | 353 |
| Loan and lease loss provision to assets | 0.1284% | 1,761 |
| Net operating income to assets | 1.1129% | 1,949 |
| Return on assets (ROA) | 1.1129% | 2,028 |
| Pretax return on assets | 1.7675% | 960 |
| Return on Equity (ROE) | 11.8233% | 1,422 |
| Retained earnings to average equity (ytd only) | 11.8233% | 387 |
| Net charge-offs to loans | -0.0240% | 5,265 |
| Credit loss provision to net charge-offs | -590.3399% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4367% | 2,973 |
| Assets per employee ($millions) | 3.6997% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8738% | 5,292 |
| Loan loss allowance to noncurrent loans | 681.3674% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 5,244 |
| Noncurrent loans to loans | 0.1282% | 5,116 |
| Net loans and leases to total assets | 91.3564% | 37 |
| Net loans and leases to deposits | 103.1476% | 490 |
| Net loans and leases to core deposits | 107.6659% | 996 |
| Total domestic deposits to total assets | 88.5687% | 1,262 |
| Equity capital to assets | 9.6014% | 4,636 |
| Core capital (leverage) ratio | 9.3883% | 4,455 |
| Tier 1 risk-based capital ratio | 10.1792% | 5,986 |
| Total risk-based capital ratio | 11.0650% | 6,056 |
| Memoranda: |
| Average total assets | $3,427,825,000 | 257 |
| Average earning assets | $3,281,892,000 | 248 |
| Average equity | $322,655,500 | 292 |
| Average total loans | $3,099,977,750 | 208 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1075% | 2,870 |
| Cost of funding earning assets | 0.3255% | 4,095 |
| Net interest margin | 3.7820% | 2,396 |
| Noninterest income to average assets | 2.8599% | 229 |
| Noninterest expense to average assets | 4.6566% | 376 |
| Loan and lease loss provision to assets | 0.0883% | 2,343 |
| Net operating income to assets | 1.0999% | 1,956 |
| Return on assets (ROA) | 1.1000% | 2,045 |
| Pretax return on assets | 1.7349% | 1,012 |
| Return on Equity (ROE) | 11.7675% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.7675% | 419 |
| Net charge-offs to loans | -0.0377% | 5,425 |
| Credit loss provision to net charge-offs | -260.8696% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8654% | 3,016 |
| Assets per employee ($millions) | 3.6756% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8315% | 5,521 |
| Loan loss allowance to noncurrent loans | 434.3269% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 5,056 |
| Noncurrent loans to loans | 0.1914% | 5,011 |
| Net loans and leases to total assets | 91.9361% | 30 |
| Net loans and leases to deposits | 104.0121% | 452 |
| Net loans and leases to core deposits | 108.7394% | 909 |
| Total domestic deposits to total assets | 88.3899% | 1,446 |
| Equity capital to assets | 9.5132% | 4,636 |
| Core capital (leverage) ratio | 9.1471% | 4,757 |
| Tier 1 risk-based capital ratio | 9.9881% | 6,094 |
| Total risk-based capital ratio | 10.8281% | 6,160 |
| Memoranda: |
| Average total assets | $3,398,877,000 | 260 |
| Average earning assets | $3,253,028,330 | 250 |
| Average equity | $317,721,330 | 297 |
| Average total loans | $3,053,577,330 | 211 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0109% | 3,193 |
| Cost of funding earning assets | 0.3302% | 4,092 |
| Net interest margin | 3.6807% | 2,696 |
| Noninterest income to average assets | 2.4448% | 280 |
| Noninterest expense to average assets | 4.3463% | 479 |
| Loan and lease loss provision to assets | 0.0355% | 3,192 |
| Net operating income to assets | 1.0078% | 2,233 |
| Return on assets (ROA) | 1.0078% | 2,369 |
| Pretax return on assets | 1.5804% | 1,317 |
| Return on Equity (ROE) | 10.8788% | 1,665 |
| Retained earnings to average equity (ytd only) | 10.8788% | 738 |
| Net charge-offs to loans | -0.0631% | 5,641 |
| Credit loss provision to net charge-offs | -63.6943% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8973% | 3,008 |
| Assets per employee ($millions) | 3.8007% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8355% | 5,605 |
| Loan loss allowance to noncurrent loans | 417.7601% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 5,032 |
| Noncurrent loans to loans | 0.2000% | 5,062 |
| Net loans and leases to total assets | 85.8763% | 203 |
| Net loans and leases to deposits | 96.9210% | 773 |
| Net loans and leases to core deposits | 101.5995% | 1,213 |
| Total domestic deposits to total assets | 88.6045% | 1,498 |
| Equity capital to assets | 9.1029% | 5,190 |
| Core capital (leverage) ratio | 9.0618% | 4,882 |
| Tier 1 risk-based capital ratio | 10.1310% | 6,132 |
| Total risk-based capital ratio | 10.9681% | 6,197 |
| Memoranda: |
| Average total assets | $3,378,139,500 | 258 |
| Average earning assets | $3,228,276,500 | 247 |
| Average equity | $312,939,000 | 300 |
| Average total loans | $2,985,642,500 | 213 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3049% | 2,592 |
| Cost of funding earning assets | 0.3901% | 3,792 |
| Net interest margin | 3.9147% | 2,176 |
| Noninterest income to average assets | 2.4842% | 242 |
| Noninterest expense to average assets | 4.5687% | 436 |
| Loan and lease loss provision to assets | 0.0618% | 3,284 |
| Net operating income to assets | 1.0107% | 2,333 |
| Return on assets (ROA) | 1.0106% | 2,413 |
| Pretax return on assets | 1.5794% | 1,297 |
| Return on Equity (ROE) | 10.6178% | 1,852 |
| Retained earnings to average equity (ytd only) | 9.5933% | 585 |
| Net charge-offs to loans | 0.0161% | 4,551 |
| Credit loss provision to net charge-offs | 422.2222% | 615 |
| Earnings coverage of net charge-offs (x) | 112.2178% | 471 |
| Efficiency ratio | 73.5689% | 2,912 |
| Assets per employee ($millions) | 3.5516% | 4,820 |
| Cash dividends to net income (ytd only)* | 9.6491% | 4,128 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8278% | 5,699 |
| Loan loss allowance to noncurrent loans | 294.3408% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 4,793 |
| Noncurrent loans to loans | 0.2812% | 4,844 |
| Net loans and leases to total assets | 89.5321% | 74 |
| Net loans and leases to deposits | 101.6584% | 533 |
| Net loans and leases to core deposits | 107.0636% | 952 |
| Total domestic deposits to total assets | 88.0715% | 1,730 |
| Equity capital to assets | 9.4349% | 4,801 |
| Core capital (leverage) ratio | 9.2100% | 4,666 |
| Tier 1 risk-based capital ratio | 10.2724% | 6,188 |
| Total risk-based capital ratio | 11.1203% | 6,251 |
| Memoranda: |
| Average total assets | $3,076,502,400 | 262 |
| Average earning assets | $2,928,137,200 | 249 |
| Average equity | $292,818,800 | 298 |
| Average total loans | $2,801,334,000 | 207 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3232% | 2,527 |
| Cost of funding earning assets | 0.3988% | 3,800 |
| Net interest margin | 3.9244% | 2,139 |
| Noninterest income to average assets | 2.4810% | 248 |
| Noninterest expense to average assets | 4.5617% | 431 |
| Loan and lease loss provision to assets | 0.0749% | 2,847 |
| Net operating income to assets | 1.0111% | 2,404 |
| Return on assets (ROA) | 1.0111% | 2,460 |
| Pretax return on assets | 1.5794% | 1,395 |
| Return on Equity (ROE) | 10.5983% | 1,949 |
| Retained earnings to average equity (ytd only) | 9.2136% | 924 |
| Net charge-offs to loans | 0.0207% | 4,115 |
| Credit loss provision to net charge-offs | 396.2704% | 708 |
| Earnings coverage of net charge-offs (x) | 87.5704% | 649 |
| Efficiency ratio | 73.3866% | 2,925 |
| Assets per employee ($millions) | 3.4159% | 5,025 |
| Cash dividends to net income (ytd only)* | 13.0651% | 3,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8498% | 5,747 |
| Loan loss allowance to noncurrent loans | 283.4151% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 4,881 |
| Noncurrent loans to loans | 0.2998% | 5,004 |
| Net loans and leases to total assets | 89.9929% | 58 |
| Net loans and leases to deposits | 102.4053% | 479 |
| Net loans and leases to core deposits | 108.3276% | 831 |
| Total domestic deposits to total assets | 87.8791% | 1,825 |
| Equity capital to assets | 9.5508% | 4,730 |
| Core capital (leverage) ratio | 9.4154% | 4,492 |
| Tier 1 risk-based capital ratio | 10.3531% | 6,250 |
| Total risk-based capital ratio | 11.2254% | 6,317 |
| Memoranda: |
| Average total assets | $3,027,868,000 | 263 |
| Average earning assets | $2,881,669,500 | 252 |
| Average equity | $288,868,750 | 300 |
| Average total loans | $2,763,398,750 | 206 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2963% | 2,590 |
| Cost of funding earning assets | 0.4138% | 3,724 |
| Net interest margin | 3.8825% | 2,242 |
| Noninterest income to average assets | 2.2321% | 292 |
| Noninterest expense to average assets | 4.4490% | 473 |
| Loan and lease loss provision to assets | 0.0535% | 3,228 |
| Net operating income to assets | 0.9167% | 2,722 |
| Return on assets (ROA) | 0.9167% | 2,822 |
| Pretax return on assets | 1.4185% | 1,824 |
| Return on Equity (ROE) | 9.6127% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.5074% | 1,515 |
| Net charge-offs to loans | 0.0294% | 3,607 |
| Credit loss provision to net charge-offs | 199.0050% | 1,181 |
| Earnings coverage of net charge-offs (x) | 54.7139% | 865 |
| Efficiency ratio | 75.1393% | 2,788 |
| Assets per employee ($millions) | 3.2922% | 5,262 |
| Cash dividends to net income (ytd only)* | 21.9010% | 3,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8234% | 5,920 |
| Loan loss allowance to noncurrent loans | 241.4138% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 4,716 |
| Noncurrent loans to loans | 0.3411% | 4,989 |
| Net loans and leases to total assets | 92.1216% | 23 |
| Net loans and leases to deposits | 108.6759% | 233 |
| Net loans and leases to core deposits | 115.4163% | 492 |
| Total domestic deposits to total assets | 84.7673% | 3,614 |
| Equity capital to assets | 9.5226% | 4,723 |
| Core capital (leverage) ratio | 9.3618% | 4,515 |
| Tier 1 risk-based capital ratio | 10.0733% | 6,376 |
| Total risk-based capital ratio | 10.9187% | 6,455 |
| Memoranda: |
| Average total assets | $2,988,463,330 | 266 |
| Average earning assets | $2,839,467,000 | 253 |
| Average equity | $284,999,330 | 301 |
| Average total loans | $2,732,693,330 | 206 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1779% | 2,954 |
| Cost of funding earning assets | 0.4237% | 3,716 |
| Net interest margin | 3.7542% | 2,660 |
| Noninterest income to average assets | 2.0371% | 330 |
| Noninterest expense to average assets | 4.3402% | 532 |
| Loan and lease loss provision to assets | 0.0271% | 3,474 |
| Net operating income to assets | 0.8114% | 3,101 |
| Return on assets (ROA) | 0.8114% | 3,172 |
| Pretax return on assets | 1.2422% | 2,309 |
| Return on Equity (ROE) | 8.5016% | 2,682 |
| Retained earnings to average equity (ytd only) | 4.2444% | 3,584 |
| Net charge-offs to loans | 0.0406% | 2,813 |
| Credit loss provision to net charge-offs | 73.5294% | 1,963 |
| Earnings coverage of net charge-offs (x) | 34.4559% | 966 |
| Efficiency ratio | 77.3727% | 2,578 |
| Assets per employee ($millions) | 3.2553% | 5,434 |
| Cash dividends to net income (ytd only)* | 50.0751% | 1,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8564% | 5,986 |
| Loan loss allowance to noncurrent loans | 228.6127% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 4,857 |
| Noncurrent loans to loans | 0.3746% | 5,002 |
| Net loans and leases to total assets | 88.4191% | 74 |
| Net loans and leases to deposits | 101.1921% | 394 |
| Net loans and leases to core deposits | 107.2597% | 709 |
| Total domestic deposits to total assets | 87.3774% | 2,581 |
| Equity capital to assets | 9.4434% | 4,573 |
| Core capital (leverage) ratio | 9.2073% | 4,710 |
| Tier 1 risk-based capital ratio | 10.4099% | 6,358 |
| Total risk-based capital ratio | 11.2904% | 6,439 |
| Memoranda: |
| Average total assets | $2,953,486,500 | 265 |
| Average earning assets | $2,810,513,000 | 254 |
| Average equity | $281,878,000 | 301 |
| Average total loans | $2,678,611,500 | 208 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3028% | 2,950 |
| Cost of funding earning assets | 0.4471% | 4,142 |
| Net interest margin | 3.8557% | 2,451 |
| Noninterest income to average assets | 2.7561% | 247 |
| Noninterest expense to average assets | 4.6183% | 474 |
| Loan and lease loss provision to assets | 0.0780% | 3,551 |
| Net operating income to assets | 1.1001% | 1,935 |
| Return on assets (ROA) | 1.1001% | 2,003 |
| Pretax return on assets | 1.7170% | 912 |
| Return on Equity (ROE) | 11.4880% | 1,601 |
| Retained earnings to average equity (ytd only) | 8.5288% | 897 |
| Net charge-offs to loans | 0.0457% | 4,579 |
| Credit loss provision to net charge-offs | 185.8953% | 1,227 |
| Earnings coverage of net charge-offs (x) | 42.7965% | 891 |
| Efficiency ratio | 72.0118% | 3,469 |
| Assets per employee ($millions) | 3.0585% | 5,745 |
| Cash dividends to net income (ytd only)* | 25.7591% | 3,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8579% | 6,039 |
| Loan loss allowance to noncurrent loans | 195.1706% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 4,688 |
| Noncurrent loans to loans | 0.4395% | 4,906 |
| Net loans and leases to total assets | 91.4620% | 24 |
| Net loans and leases to deposits | 105.6427% | 272 |
| Net loans and leases to core deposits | 112.2300% | 527 |
| Total domestic deposits to total assets | 86.5767% | 2,955 |
| Equity capital to assets | 9.6477% | 4,221 |
| Core capital (leverage) ratio | 9.3401% | 4,492 |
| Tier 1 risk-based capital ratio | 10.3204% | 6,425 |
| Total risk-based capital ratio | 11.2058% | 6,498 |
| Memoranda: |
| Average total assets | $2,822,983,000 | 267 |
| Average earning assets | $2,677,620,400 | 254 |
| Average equity | $270,342,800 | 300 |
| Average total loans | $2,588,731,800 | 202 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2363% | 3,247 |
| Cost of funding earning assets | 0.4427% | 4,355 |
| Net interest margin | 3.7936% | 2,659 |
| Noninterest income to average assets | 2.7778% | 258 |
| Noninterest expense to average assets | 4.4626% | 542 |
| Loan and lease loss provision to assets | 0.0643% | 3,772 |
| Net operating income to assets | 1.1807% | 1,698 |
| Return on assets (ROA) | 1.1807% | 1,771 |
| Pretax return on assets | 1.8473% | 811 |
| Return on Equity (ROE) | 12.3525% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.3525% | 384 |
| Net charge-offs to loans | 0.0391% | 4,364 |
| Credit loss provision to net charge-offs | 179.6543% | 1,348 |
| Earnings coverage of net charge-offs (x) | 53.4283% | 824 |
| Efficiency ratio | 70.0104% | 3,760 |
| Assets per employee ($millions) | 3.0035% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8604% | 6,156 |
| Loan loss allowance to noncurrent loans | 250.9950% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 5,146 |
| Noncurrent loans to loans | 0.3428% | 5,358 |
| Net loans and leases to total assets | 92.2398% | 16 |
| Net loans and leases to deposits | 106.7577% | 221 |
| Net loans and leases to core deposits | 113.6143% | 459 |
| Total domestic deposits to total assets | 86.4011% | 3,028 |
| Equity capital to assets | 10.0050% | 3,893 |
| Core capital (leverage) ratio | 10.2630% | 3,299 |
| Tier 1 risk-based capital ratio | 10.6293% | 6,416 |
| Total risk-based capital ratio | 11.5188% | 6,491 |
| Memoranda: |
| Average total assets | $2,802,332,000 | 270 |
| Average earning assets | $2,656,634,250 | 255 |
| Average equity | $267,847,750 | 301 |
| Average total loans | $2,565,789,250 | 198 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5051% | 2,182 |
| Cost of funding earning assets | 0.4773% | 4,126 |
| Net interest margin | 4.0277% | 1,769 |
| Noninterest income to average assets | 2.9921% | 254 |
| Noninterest expense to average assets | 4.6848% | 450 |
| Loan and lease loss provision to assets | 0.0578% | 3,853 |
| Net operating income to assets | 1.3248% | 1,255 |
| Return on assets (ROA) | 1.3248% | 1,341 |
| Pretax return on assets | 2.0761% | 521 |
| Return on Equity (ROE) | 14.0720% | 997 |
| Retained earnings to average equity (ytd only) | 14.0720% | 295 |
| Net charge-offs to loans | 0.0433% | 4,075 |
| Credit loss provision to net charge-offs | 145.8252% | 1,574 |
| Earnings coverage of net charge-offs (x) | 53.8777% | 758 |
| Efficiency ratio | 68.7054% | 4,057 |
| Assets per employee ($millions) | 3.2629% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9117% | 6,098 |
| Loan loss allowance to noncurrent loans | 251.6619% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 5,097 |
| Noncurrent loans to loans | 0.3623% | 5,370 |
| Net loans and leases to total assets | 93.4223% | 9 |
| Net loans and leases to deposits | 108.4432% | 172 |
| Net loans and leases to core deposits | 113.5818% | 443 |
| Total domestic deposits to total assets | 86.1486% | 3,288 |
| Equity capital to assets | 9.8109% | 4,171 |
| Core capital (leverage) ratio | 9.5478% | 4,170 |
| Tier 1 risk-based capital ratio | 10.3699% | 6,546 |
| Total risk-based capital ratio | 11.2987% | 6,600 |
| Memoranda: |
| Average total assets | $2,600,615,000 | 289 |
| Average earning assets | $2,470,724,670 | 275 |
| Average equity | $244,827,000 | 324 |
| Average total loans | $2,381,416,000 | 211 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4638% | 2,301 |
| Cost of funding earning assets | 0.4739% | 4,338 |
| Net interest margin | 3.9899% | 1,831 |
| Noninterest income to average assets | 2.7146% | 282 |
| Noninterest expense to average assets | 4.3703% | 595 |
| Loan and lease loss provision to assets | 0.0538% | 3,726 |
| Net operating income to assets | 1.3245% | 1,218 |
| Return on assets (ROA) | 1.3245% | 1,320 |
| Pretax return on assets | 2.0758% | 518 |
| Return on Equity (ROE) | 14.3688% | 887 |
| Retained earnings to average equity (ytd only) | 14.3688% | 413 |
| Net charge-offs to loans | 0.0723% | 3,119 |
| Credit loss provision to net charge-offs | 82.3944% | 2,130 |
| Earnings coverage of net charge-offs (x) | 32.6244% | 922 |
| Efficiency ratio | 67.2364% | 4,455 |
| Assets per employee ($millions) | 3.4056% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9216% | 6,206 |
| Loan loss allowance to noncurrent loans | 236.9772% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 5,133 |
| Noncurrent loans to loans | 0.3889% | 5,441 |
| Net loans and leases to total assets | 90.0286% | 35 |
| Net loans and leases to deposits | 103.5251% | 241 |
| Net loans and leases to core deposits | 108.0661% | 561 |
| Total domestic deposits to total assets | 86.9630% | 2,982 |
| Equity capital to assets | 9.3779% | 5,023 |
| Core capital (leverage) ratio | 9.3944% | 4,255 |
| Tier 1 risk-based capital ratio | 10.2760% | 6,643 |
| Total risk-based capital ratio | 11.2158% | 6,689 |
| Memoranda: |
| Average total assets | $2,610,442,500 | 289 |
| Average earning assets | $2,476,570,500 | 276 |
| Average equity | $240,632,500 | 330 |
| Average total loans | $2,355,435,500 | 215 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6842% | 2,660 |
| Cost of funding earning assets | 0.6003% | 4,352 |
| Net interest margin | 4.0838% | 2,067 |
| Noninterest income to average assets | 3.0198% | 252 |
| Noninterest expense to average assets | 4.7962% | 438 |
| Loan and lease loss provision to assets | 0.0997% | 4,397 |
| Net operating income to assets | 1.2690% | 1,401 |
| Return on assets (ROA) | 1.2645% | 1,563 |
| Pretax return on assets | 1.9940% | 609 |
| Return on Equity (ROE) | 13.5268% | 1,103 |
| Retained earnings to average equity (ytd only) | 6.8594% | 1,634 |
| Net charge-offs to loans | 0.2229% | 3,612 |
| Credit loss provision to net charge-offs | 49.5970% | 4,710 |
| Earnings coverage of net charge-offs (x) | 10.4472% | 2,139 |
| Efficiency ratio | 69.5416% | 3,891 |
| Assets per employee ($millions) | 3.4784% | 5,053 |
| Cash dividends to net income (ytd only)* | 49.2902% | 2,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9219% | 6,215 |
| Loan loss allowance to noncurrent loans | 217.9428% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 5,122 |
| Noncurrent loans to loans | 0.4230% | 5,433 |
| Net loans and leases to total assets | 88.7698% | 73 |
| Net loans and leases to deposits | 101.9131% | 328 |
| Net loans and leases to core deposits | 105.5205% | 713 |
| Total domestic deposits to total assets | 87.1034% | 2,776 |
| Equity capital to assets | 9.0580% | 5,456 |
| Core capital (leverage) ratio | 9.2995% | 4,419 |
| Tier 1 risk-based capital ratio | 10.0131% | 6,699 |
| Total risk-based capital ratio | 10.9488% | 6,748 |
| Memoranda: |
| Average total assets | $2,406,574,000 | 303 |
| Average earning assets | $2,284,702,400 | 286 |
| Average equity | $224,975,800 | 335 |
| Average total loans | $2,170,583,600 | 223 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7224% | 2,699 |
| Cost of funding earning assets | 0.6218% | 4,439 |
| Net interest margin | 4.1007% | 2,083 |
| Noninterest income to average assets | 2.7870% | 274 |
| Noninterest expense to average assets | 4.5912% | 508 |
| Loan and lease loss provision to assets | 0.0141% | 5,635 |
| Net operating income to assets | 1.3156% | 1,405 |
| Return on assets (ROA) | 1.3157% | 1,543 |
| Pretax return on assets | 2.0821% | 592 |
| Return on Equity (ROE) | 13.9540% | 1,122 |
| Retained earnings to average equity (ytd only) | 7.9520% | 1,635 |
| Net charge-offs to loans | 0.1693% | 3,757 |
| Credit loss provision to net charge-offs | 9.2456% | 5,089 |
| Earnings coverage of net charge-offs (x) | 13.6982% | 1,893 |
| Efficiency ratio | 68.6551% | 3,939 |
| Assets per employee ($millions) | 3.3699% | 5,281 |
| Cash dividends to net income (ytd only)* | 43.0126% | 2,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0164% | 6,021 |
| Loan loss allowance to noncurrent loans | 169.3221% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 4,748 |
| Noncurrent loans to loans | 0.6003% | 5,239 |
| Net loans and leases to total assets | 92.2666% | 25 |
| Net loans and leases to deposits | 110.3644% | 155 |
| Net loans and leases to core deposits | 115.1706% | 401 |
| Total domestic deposits to total assets | 83.6017% | 4,389 |
| Equity capital to assets | 9.6523% | 4,989 |
| Core capital (leverage) ratio | 9.9680% | 3,584 |
| Tier 1 risk-based capital ratio | 10.1411% | 6,765 |
| Total risk-based capital ratio | 11.1617% | 6,797 |
| Memoranda: |
| Average total assets | $2,356,012,250 | 307 |
| Average earning assets | $2,240,913,250 | 291 |
| Average equity | $222,142,750 | 339 |
| Average total loans | $2,128,881,000 | 229 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8275% | 2,396 |
| Cost of funding earning assets | 0.6757% | 4,219 |
| Net interest margin | 4.1518% | 1,897 |
| Noninterest income to average assets | 2.4982% | 298 |
| Noninterest expense to average assets | 4.4198% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2862% | 1,474 |
| Return on assets (ROA) | 1.2860% | 1,633 |
| Pretax return on assets | 2.0339% | 647 |
| Return on Equity (ROE) | 13.8969% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.2610% | 3,772 |
| Net charge-offs to loans | 0.2425% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.2581% | 2,189 |
| Efficiency ratio | 68.4817% | 4,046 |
| Assets per employee ($millions) | 3.3457% | 5,341 |
| Cash dividends to net income (ytd only)* | 69.3385% | 1,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9674% | 6,271 |
| Loan loss allowance to noncurrent loans | 179.6377% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 4,870 |
| Noncurrent loans to loans | 0.5385% | 5,441 |
| Net loans and leases to total assets | 93.1079% | 16 |
| Net loans and leases to deposits | 112.0715% | 126 |
| Net loans and leases to core deposits | 116.2923% | 385 |
| Total domestic deposits to total assets | 83.0790% | 4,725 |
| Equity capital to assets | 9.2820% | 5,349 |
| Core capital (leverage) ratio | 9.4336% | 4,247 |
| Tier 1 risk-based capital ratio | 10.4821% | 6,701 |
| Total risk-based capital ratio | 11.5249% | 6,745 |
| Memoranda: |
| Average total assets | $2,242,858,670 | 321 |
| Average earning assets | $2,136,958,670 | 297 |
| Average equity | $207,557,000 | 357 |
| Average total loans | $2,031,875,330 | 243 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8366% | 2,498 |
| Cost of funding earning assets | 0.7188% | 4,118 |
| Net interest margin | 4.1179% | 2,035 |
| Noninterest income to average assets | 2.3289% | 331 |
| Noninterest expense to average assets | 4.2693% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2580% | 1,581 |
| Return on assets (ROA) | 1.2577% | 1,751 |
| Pretax return on assets | 1.9830% | 758 |
| Return on Equity (ROE) | 13.6113% | 1,276 |
| Retained earnings to average equity (ytd only) | -5.8445% | 6,644 |
| Net charge-offs to loans | 0.3395% | 2,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.5757% | 2,183 |
| Efficiency ratio | 68.2776% | 4,119 |
| Assets per employee ($millions) | 3.3947% | 5,352 |
| Cash dividends to net income (ytd only)* | 142.9388% | 327 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0892% | 5,936 |
| Loan loss allowance to noncurrent loans | 180.7327% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 4,787 |
| Noncurrent loans to loans | 0.6027% | 5,456 |
| Net loans and leases to total assets | 87.8419% | 75 |
| Net loans and leases to deposits | 101.9529% | 309 |
| Net loans and leases to core deposits | 106.0218% | 669 |
| Total domestic deposits to total assets | 86.1593% | 3,436 |
| Equity capital to assets | 9.1782% | 5,266 |
| Core capital (leverage) ratio | 9.2019% | 4,513 |
| Tier 1 risk-based capital ratio | 10.8294% | 6,609 |
| Total risk-based capital ratio | 11.9888% | 6,638 |
| Memoranda: |
| Average total assets | $2,225,077,000 | 319 |
| Average earning assets | $2,120,329,000 | 296 |
| Average equity | $205,593,500 | 356 |
| Average total loans | $1,976,756,000 | 245 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2512% | 1,866 |
| Cost of funding earning assets | 0.9110% | 4,044 |
| Net interest margin | 4.3402% | 1,574 |
| Noninterest income to average assets | 1.8024% | 443 |
| Noninterest expense to average assets | 3.9456% | 1,120 |
| Loan and lease loss provision to assets | 0.0957% | 5,397 |
| Net operating income to assets | 1.2007% | 1,510 |
| Return on assets (ROA) | 1.1997% | 1,621 |
| Pretax return on assets | 1.8910% | 675 |
| Return on Equity (ROE) | 12.6275% | 1,251 |
| Retained earnings to average equity (ytd only) | 7.5886% | 1,233 |
| Net charge-offs to loans | 0.0780% | 5,545 |
| Credit loss provision to net charge-offs | 135.9619% | 2,202 |
| Earnings coverage of net charge-offs (x) | 28.2332% | 880 |
| Efficiency ratio | 66.4935% | 4,662 |
| Assets per employee ($millions) | 3.4361% | 5,167 |
| Cash dividends to net income (ytd only)* | 39.9042% | 2,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1718% | 5,524 |
| Loan loss allowance to noncurrent loans | 152.5762% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 4,578 |
| Noncurrent loans to loans | 0.7680% | 5,158 |
| Net loans and leases to total assets | 87.8291% | 82 |
| Net loans and leases to deposits | 102.0413% | 375 |
| Net loans and leases to core deposits | 106.2157% | 786 |
| Total domestic deposits to total assets | 86.0722% | 3,281 |
| Equity capital to assets | 9.3014% | 5,148 |
| Core capital (leverage) ratio | 9.5635% | 3,926 |
| Tier 1 risk-based capital ratio | 10.9894% | 6,462 |
| Total risk-based capital ratio | 12.2390% | 6,443 |
| Memoranda: |
| Average total assets | $2,088,848,000 | 330 |
| Average earning assets | $1,988,368,000 | 309 |
| Average equity | $198,455,000 | 353 |
| Average total loans | $1,886,287,800 | 247 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3084% | 1,823 |
| Cost of funding earning assets | 0.9575% | 3,983 |
| Net interest margin | 4.3510% | 1,559 |
| Noninterest income to average assets | 1.6540% | 498 |
| Noninterest expense to average assets | 3.7900% | 1,315 |
| Loan and lease loss provision to assets | 0.0649% | 5,640 |
| Net operating income to assets | 1.2311% | 1,571 |
| Return on assets (ROA) | 1.2300% | 1,680 |
| Pretax return on assets | 1.9402% | 709 |
| Return on Equity (ROE) | 12.8730% | 1,313 |
| Retained earnings to average equity (ytd only) | 6.0806% | 2,511 |
| Net charge-offs to loans | 0.0711% | 5,248 |
| Credit loss provision to net charge-offs | 100.6036% | 3,344 |
| Earnings coverage of net charge-offs (x) | 31.1097% | 911 |
| Efficiency ratio | 65.3799% | 4,832 |
| Assets per employee ($millions) | 3.2447% | 5,584 |
| Cash dividends to net income (ytd only)* | 52.7649% | 1,469 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1610% | 5,633 |
| Loan loss allowance to noncurrent loans | 161.7240% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,609 |
| Noncurrent loans to loans | 0.7179% | 5,445 |
| Net loans and leases to total assets | 92.9118% | 15 |
| Net loans and leases to deposits | 108.5740% | 199 |
| Net loans and leases to core deposits | 113.3586% | 572 |
| Total domestic deposits to total assets | 85.5747% | 3,456 |
| Equity capital to assets | 9.6796% | 4,806 |
| Core capital (leverage) ratio | 9.6540% | 3,913 |
| Tier 1 risk-based capital ratio | 10.8052% | 6,659 |
| Total risk-based capital ratio | 12.0431% | 6,648 |
| Memoranda: |
| Average total assets | $2,054,405,250 | 338 |
| Average earning assets | $1,956,179,500 | 317 |
| Average equity | $196,292,250 | 362 |
| Average total loans | $1,863,158,000 | 248 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2588% | 2,032 |
| Cost of funding earning assets | 0.9906% | 4,009 |
| Net interest margin | 4.2682% | 1,773 |
| Noninterest income to average assets | 1.5312% | 542 |
| Noninterest expense to average assets | 3.7123% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1966% | 1,583 |
| Return on assets (ROA) | 1.1953% | 1,668 |
| Pretax return on assets | 1.8836% | 738 |
| Return on Equity (ROE) | 12.5657% | 1,321 |
| Retained earnings to average equity (ytd only) | 2.2946% | 4,833 |
| Net charge-offs to loans | 0.0645% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 32.6565% | 868 |
| Efficiency ratio | 66.3153% | 4,818 |
| Assets per employee ($millions) | 3.1389% | 5,782 |
| Cash dividends to net income (ytd only)* | 81.7394% | 752 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1740% | 5,656 |
| Loan loss allowance to noncurrent loans | 156.5813% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 4,383 |
| Noncurrent loans to loans | 0.7498% | 5,410 |
| Net loans and leases to total assets | 92.1800% | 22 |
| Net loans and leases to deposits | 107.7162% | 221 |
| Net loans and leases to core deposits | 112.3884% | 634 |
| Total domestic deposits to total assets | 85.5767% | 3,581 |
| Equity capital to assets | 9.6429% | 4,609 |
| Core capital (leverage) ratio | 9.4141% | 4,082 |
| Tier 1 risk-based capital ratio | 10.6680% | 6,727 |
| Total risk-based capital ratio | 11.8998% | 6,725 |
| Memoranda: |
| Average total assets | $2,047,007,000 | 345 |
| Average earning assets | $1,950,416,330 | 324 |
| Average equity | $194,720,670 | 365 |
| Average total loans | $1,833,520,330 | 253 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1727% | 2,339 |
| Cost of funding earning assets | 1.0135% | 4,097 |
| Net interest margin | 4.1592% | 2,039 |
| Noninterest income to average assets | 1.4003% | 663 |
| Noninterest expense to average assets | 3.6374% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1011% | 1,840 |
| Return on assets (ROA) | 1.1000% | 1,891 |
| Pretax return on assets | 1.7286% | 931 |
| Return on Equity (ROE) | 11.6417% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.6417% | 792 |
| Net charge-offs to loans | 0.0950% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 20.7535% | 1,101 |
| Efficiency ratio | 67.7636% | 4,702 |
| Assets per employee ($millions) | 3.2298% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2156% | 5,556 |
| Loan loss allowance to noncurrent loans | 151.8306% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,316 |
| Noncurrent loans to loans | 0.8006% | 5,431 |
| Net loans and leases to total assets | 87.9323% | 79 |
| Net loans and leases to deposits | 102.7524% | 354 |
| Net loans and leases to core deposits | 107.4291% | 872 |
| Total domestic deposits to total assets | 85.5769% | 3,740 |
| Equity capital to assets | 9.6257% | 4,282 |
| Core capital (leverage) ratio | 9.3808% | 3,995 |
| Tier 1 risk-based capital ratio | 11.0006% | 6,510 |
| Total risk-based capital ratio | 12.2507% | 6,492 |
| Memoranda: |
| Average total assets | $2,062,923,500 | 343 |
| Average earning assets | $1,967,791,500 | 321 |
| Average equity | $194,920,500 | 362 |
| Average total loans | $1,810,453,500 | 256 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5179% | 2,215 |
| Cost of funding earning assets | 1.2275% | 4,370 |
| Net interest margin | 4.2904% | 1,854 |
| Noninterest income to average assets | 0.9015% | 1,846 |
| Noninterest expense to average assets | 2.8371% | 4,448 |
| Loan and lease loss provision to assets | 0.7314% | 2,247 |
| Net operating income to assets | 0.8935% | 2,418 |
| Return on assets (ROA) | 0.8936% | 2,548 |
| Pretax return on assets | 1.4080% | 1,643 |
| Return on Equity (ROE) | 9.2886% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.0653% | 2,372 |
| Net charge-offs to loans | 0.6237% | 3,159 |
| Credit loss provision to net charge-offs | 130.0813% | 3,059 |
| Earnings coverage of net charge-offs (x) | 3.8048% | 3,181 |
| Efficiency ratio | 57.0127% | 6,458 |
| Assets per employee ($millions) | 4.3431% | 3,124 |
| Cash dividends to net income (ytd only)* | 45.4675% | 2,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2641% | 5,184 |
| Loan loss allowance to noncurrent loans | 109.5913% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6326% | 3,856 |
| Noncurrent loans to loans | 1.1535% | 4,800 |
| Net loans and leases to total assets | 85.4256% | 212 |
| Net loans and leases to deposits | 99.3803% | 615 |
| Net loans and leases to core deposits | 104.2701% | 1,295 |
| Total domestic deposits to total assets | 85.9583% | 3,380 |
| Equity capital to assets | 9.2733% | 4,714 |
| Core capital (leverage) ratio | 9.3926% | 3,859 |
| Tier 1 risk-based capital ratio | 10.7953% | 6,493 |
| Total risk-based capital ratio | 12.0459% | 6,458 |
| Memoranda: |
| Average total assets | $1,968,960,600 | 353 |
| Average earning assets | $1,869,963,000 | 332 |
| Average equity | $189,425,200 | 367 |
| Average total loans | $1,774,939,800 | 267 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6016% | 2,050 |
| Cost of funding earning assets | 1.2722% | 4,421 |
| Net interest margin | 4.3295% | 1,746 |
| Noninterest income to average assets | 0.8693% | 1,914 |
| Noninterest expense to average assets | 2.8491% | 4,281 |
| Loan and lease loss provision to assets | 0.6792% | 2,248 |
| Net operating income to assets | 0.9132% | 2,559 |
| Return on assets (ROA) | 0.9133% | 2,705 |
| Pretax return on assets | 1.4458% | 1,759 |
| Return on Equity (ROE) | 9.4032% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.4032% | 931 |
| Net charge-offs to loans | 0.4462% | 3,526 |
| Credit loss provision to net charge-offs | 167.0604% | 2,229 |
| Earnings coverage of net charge-offs (x) | 5.2260% | 2,803 |
| Efficiency ratio | 57.2812% | 6,379 |
| Assets per employee ($millions) | 4.1374% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3218% | 4,842 |
| Loan loss allowance to noncurrent loans | 93.1000% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.9721% | 3,505 |
| Noncurrent loans to loans | 1.4198% | 4,486 |
| Net loans and leases to total assets | 88.1441% | 107 |
| Net loans and leases to deposits | 103.9567% | 432 |
| Net loans and leases to core deposits | 109.0659% | 1,092 |
| Total domestic deposits to total assets | 84.7893% | 3,726 |
| Equity capital to assets | 9.9296% | 4,252 |
| Core capital (leverage) ratio | 10.0146% | 3,241 |
| Tier 1 risk-based capital ratio | 11.2717% | 6,128 |
| Total risk-based capital ratio | 12.5228% | 6,122 |
| Memoranda: |
| Average total assets | $1,943,284,750 | 356 |
| Average earning assets | $1,842,368,750 | 335 |
| Average equity | $188,753,750 | 365 |
| Average total loans | $1,770,577,500 | 270 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6251% | 2,043 |
| Cost of funding earning assets | 1.3152% | 4,439 |
| Net interest margin | 4.3099% | 1,735 |
| Noninterest income to average assets | 0.9004% | 1,687 |
| Noninterest expense to average assets | 2.8733% | 4,170 |
| Loan and lease loss provision to assets | 0.8742% | 1,663 |
| Net operating income to assets | 0.7808% | 3,062 |
| Return on assets (ROA) | 0.7809% | 3,206 |
| Pretax return on assets | 1.2359% | 2,304 |
| Return on Equity (ROE) | 8.1009% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.1009% | 1,406 |
| Net charge-offs to loans | 0.5307% | 2,944 |
| Credit loss provision to net charge-offs | 179.5962% | 2,181 |
| Earnings coverage of net charge-offs (x) | 4.3348% | 2,984 |
| Efficiency ratio | 57.6586% | 6,430 |
| Assets per employee ($millions) | 4.0905% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2998% | 4,919 |
| Loan loss allowance to noncurrent loans | 78.7770% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.2520% | 3,195 |
| Noncurrent loans to loans | 1.6500% | 4,231 |
| Net loans and leases to total assets | 91.1315% | 43 |
| Net loans and leases to deposits | 106.9708% | 353 |
| Net loans and leases to core deposits | 112.8583% | 983 |
| Total domestic deposits to total assets | 85.1928% | 3,522 |
| Equity capital to assets | 9.8974% | 4,145 |
| Core capital (leverage) ratio | 9.9147% | 3,265 |
| Tier 1 risk-based capital ratio | 10.8503% | 6,400 |
| Total risk-based capital ratio | 12.1017% | 6,388 |
| Memoranda: |
| Average total assets | $1,933,197,670 | 359 |
| Average earning assets | $1,831,356,000 | 339 |
| Average equity | $186,350,000 | 371 |
| Average total loans | $1,773,147,670 | 272 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6362% | 2,001 |
| Cost of funding earning assets | 1.3523% | 4,476 |
| Net interest margin | 4.2839% | 1,738 |
| Noninterest income to average assets | 0.8208% | 1,927 |
| Noninterest expense to average assets | 2.8085% | 4,451 |
| Loan and lease loss provision to assets | 1.1246% | 1,087 |
| Net operating income to assets | 0.6009% | 3,894 |
| Return on assets (ROA) | 0.6011% | 4,038 |
| Pretax return on assets | 0.9459% | 3,283 |
| Return on Equity (ROE) | 6.3194% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.3194% | 2,462 |
| Net charge-offs to loans | 0.6291% | 2,247 |
| Credit loss provision to net charge-offs | 195.5508% | 1,898 |
| Earnings coverage of net charge-offs (x) | 3.5999% | 2,852 |
| Efficiency ratio | 57.5664% | 6,551 |
| Assets per employee ($millions) | 4.0276% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2459% | 5,246 |
| Loan loss allowance to noncurrent loans | 69.3547% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.3642% | 3,068 |
| Noncurrent loans to loans | 1.7965% | 4,056 |
| Net loans and leases to total assets | 91.3020% | 45 |
| Net loans and leases to deposits | 107.2614% | 371 |
| Net loans and leases to core deposits | 113.4937% | 1,066 |
| Total domestic deposits to total assets | 85.1211% | 3,600 |
| Equity capital to assets | 9.7299% | 4,190 |
| Core capital (leverage) ratio | 9.6847% | 3,537 |
| Tier 1 risk-based capital ratio | 10.5959% | 6,545 |
| Total risk-based capital ratio | 11.8462% | 6,535 |
| Memoranda: |
| Average total assets | $1,938,532,500 | 370 |
| Average earning assets | $1,836,263,500 | 348 |
| Average equity | $184,384,500 | 378 |
| Average total loans | $1,772,171,000 | 283 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7134% | 3,038 |
| Cost of funding earning assets | 1.6731% | 4,653 |
| Net interest margin | 4.0403% | 2,693 |
| Noninterest income to average assets | 0.7996% | 2,406 |
| Noninterest expense to average assets | 2.8679% | 4,664 |
| Loan and lease loss provision to assets | 0.7360% | 2,908 |
| Net operating income to assets | 0.6395% | 3,173 |
| Return on assets (ROA) | 0.6412% | 3,230 |
| Pretax return on assets | 1.0185% | 2,531 |
| Return on Equity (ROE) | 6.9071% | 2,824 |
| Retained earnings to average equity (ytd only) | 1.3436% | 4,109 |
| Net charge-offs to loans | 0.8943% | 2,606 |
| Credit loss provision to net charge-offs | 90.8685% | 5,977 |
| Earnings coverage of net charge-offs (x) | 2.1629% | 4,101 |
| Efficiency ratio | 62.0801% | 6,142 |
| Assets per employee ($millions) | 4.1518% | 3,515 |
| Cash dividends to net income (ytd only)* | 80.5477% | 1,160 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0863% | 5,964 |
| Loan loss allowance to noncurrent loans | 65.5987% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.1572% | 3,189 |
| Noncurrent loans to loans | 1.6559% | 4,162 |
| Net loans and leases to total assets | 89.4313% | 109 |
| Net loans and leases to deposits | 105.8242% | 562 |
| Net loans and leases to core deposits | 123.6534% | 1,663 |
| Total domestic deposits to total assets | 84.5093% | 3,793 |
| Equity capital to assets | 9.2997% | 4,699 |
| Core capital (leverage) ratio | 9.3123% | 3,955 |
| Tier 1 risk-based capital ratio | 10.2888% | 6,603 |
| Total risk-based capital ratio | 11.3796% | 6,729 |
| Memoranda: |
| Average total assets | $1,936,240,000 | 360 |
| Average earning assets | $1,830,742,600 | 347 |
| Average equity | $179,742,200 | 384 |
| Average total loans | $1,753,592,800 | 294 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7143% | 3,269 |
| Cost of funding earning assets | 1.7105% | 4,843 |
| Net interest margin | 4.0038% | 2,800 |
| Noninterest income to average assets | 0.9476% | 1,788 |
| Noninterest expense to average assets | 2.9538% | 4,231 |
| Loan and lease loss provision to assets | 0.7260% | 2,562 |
| Net operating income to assets | 0.6605% | 3,351 |
| Return on assets (ROA) | 0.6626% | 3,405 |
| Pretax return on assets | 1.0582% | 2,710 |
| Return on Equity (ROE) | 7.1410% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.1410% | 1,448 |
| Net charge-offs to loans | 0.6804% | 2,655 |
| Credit loss provision to net charge-offs | 117.7658% | 4,313 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 3,781 |
| Efficiency ratio | 62.3859% | 6,039 |
| Assets per employee ($millions) | 4.1159% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2608% | 4,753 |
| Loan loss allowance to noncurrent loans | 77.5699% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.0257% | 3,309 |
| Noncurrent loans to loans | 1.6254% | 4,205 |
| Net loans and leases to total assets | 90.4544% | 100 |
| Net loans and leases to deposits | 110.2110% | 459 |
| Net loans and leases to core deposits | 129.8272% | 1,444 |
| Total domestic deposits to total assets | 82.0738% | 4,648 |
| Equity capital to assets | 9.4869% | 4,765 |
| Core capital (leverage) ratio | 9.4628% | 3,960 |
| Tier 1 risk-based capital ratio | 10.4743% | 6,496 |
| Total risk-based capital ratio | 11.7253% | 6,449 |
| Memoranda: |
| Average total assets | $1,928,306,750 | 375 |
| Average earning assets | $1,823,944,000 | 356 |
| Average equity | $178,923,750 | 393 |
| Average total loans | $1,747,163,250 | 306 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6731% | 3,699 |
| Cost of funding earning assets | 1.7340% | 5,098 |
| Net interest margin | 3.9391% | 2,928 |
| Noninterest income to average assets | 0.9217% | 1,889 |
| Noninterest expense to average assets | 2.9476% | 4,301 |
| Loan and lease loss provision to assets | 0.7268% | 2,254 |
| Net operating income to assets | 0.6021% | 3,664 |
| Return on assets (ROA) | 0.6052% | 3,762 |
| Pretax return on assets | 0.9684% | 3,119 |
| Return on Equity (ROE) | 6.5719% | 3,401 |
| Retained earnings to average equity (ytd only) | 6.5719% | 1,759 |
| Net charge-offs to loans | 0.6656% | 2,371 |
| Credit loss provision to net charge-offs | 120.9608% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.8132% | 3,683 |
| Efficiency ratio | 63.5541% | 5,994 |
| Assets per employee ($millions) | 4.0812% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2359% | 4,699 |
| Loan loss allowance to noncurrent loans | 73.1166% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 3,266 |
| Noncurrent loans to loans | 1.6904% | 3,971 |
| Net loans and leases to total assets | 90.9584% | 94 |
| Net loans and leases to deposits | 112.8196% | 453 |
| Net loans and leases to core deposits | 133.6229% | 1,337 |
| Total domestic deposits to total assets | 80.6228% | 5,223 |
| Equity capital to assets | 9.3218% | 4,840 |
| Core capital (leverage) ratio | 9.3434% | 4,109 |
| Tier 1 risk-based capital ratio | 10.2102% | 6,698 |
| Total risk-based capital ratio | 11.4608% | 6,628 |
| Memoranda: |
| Average total assets | $1,926,258,330 | 387 |
| Average earning assets | $1,817,268,330 | 369 |
| Average equity | $177,391,670 | 399 |
| Average total loans | $1,738,837,330 | 320 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7159% | 3,714 |
| Cost of funding earning assets | 1.7693% | 5,264 |
| Net interest margin | 3.9466% | 2,860 |
| Noninterest income to average assets | 0.8288% | 2,182 |
| Noninterest expense to average assets | 2.8394% | 4,384 |
| Loan and lease loss provision to assets | 0.6236% | 2,025 |
| Net operating income to assets | 0.6632% | 3,742 |
| Return on assets (ROA) | 0.6654% | 3,905 |
| Pretax return on assets | 1.0687% | 3,106 |
| Return on Equity (ROE) | 7.2703% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.2703% | 2,107 |
| Net charge-offs to loans | 0.3108% | 2,863 |
| Credit loss provision to net charge-offs | 224.5509% | 2,027 |
| Earnings coverage of net charge-offs (x) | 6.0808% | 2,549 |
| Efficiency ratio | 62.7049% | 5,932 |
| Assets per employee ($millions) | 3.9624% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2915% | 4,118 |
| Loan loss allowance to noncurrent loans | 73.4707% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.9650% | 2,958 |
| Noncurrent loans to loans | 1.7579% | 3,632 |
| Net loans and leases to total assets | 89.1799% | 183 |
| Net loans and leases to deposits | 107.9002% | 731 |
| Net loans and leases to core deposits | 127.5678% | 1,817 |
| Total domestic deposits to total assets | 82.6504% | 4,311 |
| Equity capital to assets | 9.2373% | 5,030 |
| Core capital (leverage) ratio | 9.1900% | 4,420 |
| Tier 1 risk-based capital ratio | 9.7016% | 7,254 |
| Total risk-based capital ratio | 10.9367% | 7,181 |
| Memoranda: |
| Average total assets | $1,924,190,000 | 386 |
| Average earning assets | $1,803,669,500 | 373 |
| Average equity | $176,114,000 | 410 |
| Average total loans | $1,719,341,500 | 322 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1351% | 4,864 |
| Cost of funding earning assets | 2.5180% | 4,100 |
| Net interest margin | 3.6171% | 4,806 |
| Noninterest income to average assets | 0.8419% | 2,283 |
| Noninterest expense to average assets | 2.7765% | 4,921 |
| Loan and lease loss provision to assets | 0.6645% | 2,183 |
| Net operating income to assets | 0.5198% | 4,651 |
| Return on assets (ROA) | 0.5228% | 4,497 |
| Pretax return on assets | 0.8240% | 3,984 |
| Return on Equity (ROE) | 5.8200% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.8200% | 1,606 |
| Net charge-offs to loans | 0.3967% | 2,831 |
| Credit loss provision to net charge-offs | 187.4344% | 2,650 |
| Earnings coverage of net charge-offs (x) | 4.1858% | 4,072 |
| Efficiency ratio | 65.1689% | 5,288 |
| Assets per employee ($millions) | 3.9001% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2194% | 4,389 |
| Loan loss allowance to noncurrent loans | 59.9117% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.0174% | 2,438 |
| Noncurrent loans to loans | 2.0354% | 2,719 |
| Net loans and leases to total assets | 87.2863% | 442 |
| Net loans and leases to deposits | 106.4088% | 1,090 |
| Net loans and leases to core deposits | 125.7191% | 2,180 |
| Total domestic deposits to total assets | 82.0292% | 4,189 |
| Equity capital to assets | 9.0682% | 5,268 |
| Core capital (leverage) ratio | 8.9921% | 4,751 |
| Tier 1 risk-based capital ratio | 9.6668% | 7,123 |
| Total risk-based capital ratio | 10.8272% | 7,124 |
| Memoranda: |
| Average total assets | $1,881,116,600 | 380 |
| Average earning assets | $1,777,845,400 | 367 |
| Average equity | $168,969,600 | 418 |
| Average total loans | $1,680,934,800 | 321 |
