Home > Busey Bank > Performance and Condition Ratios
Busey Bank, Performance and Condition Ratios
| 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 | 4.3376% | 3,379 |
| Cost of funding earning assets | 1.2989% | 2,518 |
| Net interest margin | 3.0387% | 3,206 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.2540% | 2,972 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1710% | 1,720 |
| Return on assets (ROA) | 1.1709% | 1,691 |
| Pretax return on assets | 1.4858% | 1,455 |
| Return on Equity (ROE) | 10.1300% | 2,466 |
| Retained earnings to average equity (ytd only) | 3.7765% | 3,037 |
| Net charge-offs to loans | 0.0292% | 1,717 |
| Credit loss provision to net charge-offs | 105.8227% | 1,786 |
| Earnings coverage of net charge-offs (x) | 81.5933% | 1,012 |
| Efficiency ratio | 57.6312% | 3,333 |
| Assets per employee ($millions) | 8.6362% | 1,135 |
| Cash dividends to net income (ytd only)* | 62.7235% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,305 |
| Loan loss allowance to noncurrent loans | 1,173.7462% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,139 |
| Noncurrent loans to loans | 0.1021% | 3,031 |
| Net loans and leases to total assets | 61.7000% | 2,701 |
| Net loans and leases to deposits | 72.7729% | 2,711 |
| Net loans and leases to core deposits | 75.6281% | 3,002 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 12.0616% | 1,107 |
| Core capital (leverage) ratio | 11.1924% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4527% | 1,192 |
| Memoranda: | ||
| Average total assets | $12,254,904,000 | 142 |
| Average earning assets | $11,076,193,400 | 142 |
| Average equity | $1,416,303,000 | 126 |
| Average total loans | $7,766,586,000 | 148 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 3,413 |
| Cost of funding earning assets | 1.1583% | 2,570 |
| Net interest margin | 3.0763% | 3,186 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.2155% | 3,035 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2395% | 1,679 |
| Return on assets (ROA) | 1.2377% | 1,677 |
| Pretax return on assets | 1.5636% | 1,427 |
| Return on Equity (ROE) | 10.8300% | 2,419 |
| Retained earnings to average equity (ytd only) | 4.6414% | 3,064 |
| Net charge-offs to loans | 0.0315% | 1,449 |
| Credit loss provision to net charge-offs | 105.5375% | 1,580 |
| Earnings coverage of net charge-offs (x) | 78.9957% | 1,055 |
| Efficiency ratio | 56.0467% | 3,398 |
| Assets per employee ($millions) | 8.5752% | 1,092 |
| Cash dividends to net income (ytd only)* | 57.1353% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,530 |
| Loan loss allowance to noncurrent loans | 763.8044% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,916 |
| Noncurrent loans to loans | 0.1528% | 2,788 |
| Net loans and leases to total assets | 63.5200% | 2,502 |
| Net loans and leases to deposits | 74.4534% | 2,526 |
| Net loans and leases to core deposits | 77.0863% | 2,792 |
| Total domestic deposits to total assets | 85.3200% | 2,407 |
| Equity capital to assets | 11.4575% | 1,196 |
| Core capital (leverage) ratio | 11.2612% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8143% | 1,370 |
| Memoranda: | ||
| Average total assets | $12,254,933,500 | 142 |
| Average earning assets | $11,068,867,000 | 142 |
| Average equity | $1,400,849,250 | 129 |
| Average total loans | $7,794,879,250 | 147 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,442 |
| Cost of funding earning assets | 0.9990% | 2,607 |
| Net interest margin | 3.1256% | 3,162 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.2097% | 3,044 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2658% | 1,650 |
| Return on assets (ROA) | 1.2635% | 1,648 |
| Pretax return on assets | 1.6104% | 1,390 |
| Return on Equity (ROE) | 11.0600% | 2,400 |
| Retained earnings to average equity (ytd only) | 4.6371% | 3,046 |
| Net charge-offs to loans | 0.0399% | 1,122 |
| Credit loss provision to net charge-offs | 102.0013% | 1,428 |
| Earnings coverage of net charge-offs (x) | 64.6443% | 1,157 |
| Efficiency ratio | 55.2134% | 3,510 |
| Assets per employee ($millions) | 8.5841% | 1,053 |
| Cash dividends to net income (ytd only)* | 58.0810% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,570 |
| Loan loss allowance to noncurrent loans | 580.8024% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,637 |
| Noncurrent loans to loans | 0.2021% | 2,459 |
| Net loans and leases to total assets | 63.3800% | 2,444 |
| Net loans and leases to deposits | 75.9968% | 2,313 |
| Net loans and leases to core deposits | 78.3430% | 2,585 |
| Total domestic deposits to total assets | 83.4000% | 2,957 |
| Equity capital to assets | 11.6193% | 1,168 |
| Core capital (leverage) ratio | 11.1158% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6816% | 1,387 |
| Memoranda: | ||
| Average total assets | $12,263,835,333 | 138 |
| Average earning assets | $11,076,920,333 | 138 |
| Average equity | $1,400,782,667 | 125 |
| Average total loans | $7,773,435,333 | 143 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,457 |
| Cost of funding earning assets | 0.7615% | 2,867 |
| Net interest margin | 3.2365% | 3,027 |
| Noninterest income to average assets | 1.0500% | 534 |
| Noninterest expense to average assets | 2.2454% | 2,969 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.3534% | 1,535 |
| Return on assets (ROA) | 1.3535% | 1,504 |
| Pretax return on assets | 1.7237% | 1,227 |
| Return on Equity (ROE) | 11.9500% | 2,226 |
| Retained earnings to average equity (ytd only) | 6.2134% | 2,711 |
| Net charge-offs to loans | 0.0430% | 929 |
| Credit loss provision to net charge-offs | 114.2686% | 1,050 |
| Earnings coverage of net charge-offs (x) | 63.9808% | 988 |
| Efficiency ratio | 54.1977% | 3,584 |
| Assets per employee ($millions) | 8.7027% | 1,049 |
| Cash dividends to net income (ytd only)* | 48.0146% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,673 |
| Loan loss allowance to noncurrent loans | 602.9118% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 2,637 |
| Noncurrent loans to loans | 0.1954% | 2,495 |
| Net loans and leases to total assets | 62.4900% | 2,415 |
| Net loans and leases to deposits | 77.7098% | 1,986 |
| Net loans and leases to core deposits | 79.3682% | 2,297 |
| Total domestic deposits to total assets | 80.4100% | 3,716 |
| Equity capital to assets | 11.5212% | 1,147 |
| Core capital (leverage) ratio | 10.9492% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5887% | 1,470 |
| Memoranda: | ||
| Average total assets | $12,309,650,500 | 142 |
| Average earning assets | $11,125,235,000 | 141 |
| Average equity | $1,394,009,500 | 127 |
| Average total loans | $7,756,738,500 | 149 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1633% | 3,881 |
| Cost of funding earning assets | 0.1738% | 3,969 |
| Net interest margin | 2.9895% | 3,477 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.1778% | 3,080 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2089% | 1,738 |
| Return on assets (ROA) | 1.2090% | 1,684 |
| Pretax return on assets | 1.5425% | 1,316 |
| Return on Equity (ROE) | 10.6000% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.9316% | 3,421 |
| Net charge-offs to loans | 0.0121% | 1,939 |
| Credit loss provision to net charge-offs | 512.5277% | 670 |
| Earnings coverage of net charge-offs (x) | 218.7262% | 612 |
| Efficiency ratio | 55.4790% | 3,632 |
| Assets per employee ($millions) | 8.5868% | 1,055 |
| Cash dividends to net income (ytd only)* | 62.9197% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,458 |
| Loan loss allowance to noncurrent loans | 582.0076% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 2,623 |
| Noncurrent loans to loans | 0.2037% | 2,475 |
| Net loans and leases to total assets | 62.0500% | 2,434 |
| Net loans and leases to deposits | 75.1258% | 2,164 |
| Net loans and leases to core deposits | 76.0361% | 2,419 |
| Total domestic deposits to total assets | 82.6000% | 3,515 |
| Equity capital to assets | 11.1277% | 1,208 |
| Core capital (leverage) ratio | 10.7209% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3502% | 1,522 |
| Memoranda: | ||
| Average total assets | $12,488,191,000 | 142 |
| Average earning assets | $11,384,527,000 | 140 |
| Average equity | $1,424,000,200 | 128 |
| Average total loans | $7,479,343,400 | 148 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9600% | 3,964 |
| Cost of funding earning assets | 0.1071% | 4,225 |
| Net interest margin | 2.8528% | 3,617 |
| Noninterest income to average assets | 1.0600% | 610 |
| Noninterest expense to average assets | 2.1399% | 3,100 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1701% | 1,812 |
| Return on assets (ROA) | 1.1703% | 1,785 |
| Pretax return on assets | 1.4822% | 1,464 |
| Return on Equity (ROE) | 10.2000% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.7114% | 3,546 |
| Net charge-offs to loans | 0.0167% | 1,516 |
| Credit loss provision to net charge-offs | 405.1668% | 696 |
| Earnings coverage of net charge-offs (x) | 154.5727% | 735 |
| Efficiency ratio | 55.7866% | 3,640 |
| Assets per employee ($millions) | 8.5942% | 1,032 |
| Cash dividends to net income (ytd only)* | 63.6248% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,625 |
| Loan loss allowance to noncurrent loans | 544.7460% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 2,649 |
| Noncurrent loans to loans | 0.2170% | 2,529 |
| Net loans and leases to total assets | 60.9000% | 2,413 |
| Net loans and leases to deposits | 71.0418% | 2,284 |
| Net loans and leases to core deposits | 71.7512% | 2,502 |
| Total domestic deposits to total assets | 85.7200% | 3,130 |
| Equity capital to assets | 10.7410% | 1,275 |
| Core capital (leverage) ratio | 10.4679% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3068% | 1,619 |
| Memoranda: | ||
| Average total assets | $12,534,000,500 | 140 |
| Average earning assets | $11,450,641,000 | 138 |
| Average equity | $1,437,685,000 | 131 |
| Average total loans | $7,417,440,500 | 149 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7597% | 4,049 |
| Cost of funding earning assets | 0.0823% | 4,356 |
| Net interest margin | 2.6775% | 3,749 |
| Noninterest income to average assets | 1.0907% | 563 |
| Noninterest expense to average assets | 2.1209% | 3,095 |
| Loan and lease loss provision to assets | 0.0357% | 1,942 |
| Net operating income to assets | 1.0946% | 1,795 |
| Return on assets (ROA) | 1.0959% | 1,766 |
| Pretax return on assets | 1.3882% | 1,472 |
| Return on Equity (ROE) | 9.3577% | 2,579 |
| Retained earnings to average equity (ytd only) | 2.5598% | 3,599 |
| Net charge-offs to loans | 0.0145% | 1,475 |
| Credit loss provision to net charge-offs | 264.1509% | 848 |
| Earnings coverage of net charge-offs (x) | 168.5396% | 592 |
| Efficiency ratio | 57.1791% | 3,657 |
| Assets per employee ($millions) | 8.6141% | 1,022 |
| Cash dividends to net income (ytd only)* | 72.6449% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,779 |
| Loan loss allowance to noncurrent loans | 507.3568% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 2,702 |
| Noncurrent loans to loans | 0.2332% | 2,552 |
| Net loans and leases to total assets | 60.1865% | 2,304 |
| Net loans and leases to deposits | 70.3822% | 2,161 |
| Net loans and leases to core deposits | 71.1930% | 2,401 |
| Total domestic deposits to total assets | 85.5138% | 3,369 |
| Equity capital to assets | 11.3249% | 1,092 |
| Core capital (leverage) ratio | 10.3693% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3563% | 1,611 |
| Memoranda: | ||
| Average total assets | $12,560,978,333 | 138 |
| Average earning assets | $11,505,346,333 | 137 |
| Average equity | $1,471,053,000 | 129 |
| Average total loans | $7,331,700,667 | 147 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6129% | 4,097 |
| Cost of funding earning assets | 0.0768% | 4,385 |
| Net interest margin | 2.5361% | 3,820 |
| Noninterest income to average assets | 1.1172% | 542 |
| Noninterest expense to average assets | 2.0972% | 3,150 |
| Loan and lease loss provision to assets | 0.0271% | 1,878 |
| Net operating income to assets | 1.0331% | 1,748 |
| Return on assets (ROA) | 1.0358% | 1,733 |
| Pretax return on assets | 1.3268% | 1,439 |
| Return on Equity (ROE) | 8.7047% | 2,434 |
| Retained earnings to average equity (ytd only) | 0.7528% | 3,866 |
| Net charge-offs to loans | -0.0320% | 4,110 |
| Credit loss provision to net charge-offs | 43.6960% | 1,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0725% | 3,673 |
| Assets per employee ($millions) | 8.9360% | 942 |
| Cash dividends to net income (ytd only)* | 91.3520% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 2,797 |
| Loan loss allowance to noncurrent loans | 695.4119% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,971 |
| Noncurrent loans to loans | 0.1743% | 2,949 |
| Net loans and leases to total assets | 57.3609% | 2,372 |
| Net loans and leases to deposits | 67.3117% | 2,216 |
| Net loans and leases to core deposits | 68.2135% | 2,436 |
| Total domestic deposits to total assets | 85.2169% | 3,491 |
| Equity capital to assets | 11.5889% | 1,098 |
| Core capital (leverage) ratio | 10.1080% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5724% | 1,623 |
| Memoranda: | ||
| Average total assets | $12,682,414,000 | 140 |
| Average earning assets | $11,654,453,000 | 139 |
| Average equity | $1,509,074,000 | 130 |
| Average total loans | $7,246,255,500 | 149 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6099% | 4,396 |
| Cost of funding earning assets | 0.1137% | 4,280 |
| Net interest margin | 2.4963% | 4,197 |
| Noninterest income to average assets | 1.0561% | 909 |
| Noninterest expense to average assets | 2.0314% | 3,578 |
| Loan and lease loss provision to assets | -0.1274% | 4,596 |
| Net operating income to assets | 1.1071% | 2,270 |
| Return on assets (ROA) | 1.1073% | 2,330 |
| Pretax return on assets | 1.4472% | 1,887 |
| Return on Equity (ROE) | 8.6896% | 3,015 |
| Retained earnings to average equity (ytd only) | 4.9099% | 2,816 |
| Net charge-offs to loans | 0.0309% | 1,618 |
| Credit loss provision to net charge-offs | -674.4529% | 3,824 |
| Earnings coverage of net charge-offs (x) | 73.4172% | 1,048 |
| Efficiency ratio | 57.9221% | 3,460 |
| Assets per employee ($millions) | 9.1041% | 886 |
| Cash dividends to net income (ytd only)* | 43.4969% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,795 |
| Loan loss allowance to noncurrent loans | 521.5227% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,855 |
| Noncurrent loans to loans | 0.2336% | 2,792 |
| Net loans and leases to total assets | 55.5438% | 2,672 |
| Net loans and leases to deposits | 65.6891% | 2,540 |
| Net loans and leases to core deposits | 66.5462% | 2,773 |
| Total domestic deposits to total assets | 84.5556% | 3,407 |
| Equity capital to assets | 12.2019% | 1,172 |
| Core capital (leverage) ratio | 9.9086% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5922% | 1,655 |
| Memoranda: | ||
| Average total assets | $12,457,737,800 | 138 |
| Average earning assets | $11,452,737,400 | 137 |
| Average equity | $1,587,434,600 | 131 |
| Average total loans | $7,239,667,000 | 152 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6057% | 4,498 |
| Cost of funding earning assets | 0.1224% | 4,328 |
| Net interest margin | 2.4832% | 4,308 |
| Noninterest income to average assets | 1.0401% | 1,000 |
| Noninterest expense to average assets | 1.9946% | 3,694 |
| Loan and lease loss provision to assets | -0.1233% | 4,650 |
| Net operating income to assets | 1.1354% | 2,419 |
| Return on assets (ROA) | 1.1364% | 2,478 |
| Pretax return on assets | 1.4508% | 2,147 |
| Return on Equity (ROE) | 8.8208% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.3098% | 2,688 |
| Net charge-offs to loans | 0.0379% | 1,328 |
| Credit loss provision to net charge-offs | -503.1553% | 3,656 |
| Earnings coverage of net charge-offs (x) | 59.7121% | 1,141 |
| Efficiency ratio | 57.3983% | 3,366 |
| Assets per employee ($millions) | 9.1379% | 855 |
| Cash dividends to net income (ytd only)* | 28.4662% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,520 |
| Loan loss allowance to noncurrent loans | 358.8631% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,651 |
| Noncurrent loans to loans | 0.3605% | 2,488 |
| Net loans and leases to total assets | 55.0289% | 2,848 |
| Net loans and leases to deposits | 64.9801% | 2,737 |
| Net loans and leases to core deposits | 65.9389% | 2,961 |
| Total domestic deposits to total assets | 84.6857% | 3,227 |
| Equity capital to assets | 12.3240% | 1,249 |
| Core capital (leverage) ratio | 10.0621% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8672% | 1,661 |
| Memoranda: | ||
| Average total assets | $12,365,252,250 | 139 |
| Average earning assets | $11,357,411,500 | 140 |
| Average equity | $1,592,986,750 | 132 |
| Average total loans | $7,246,365,500 | 153 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 4,210 |
| Cost of funding earning assets | 0.1472% | 4,227 |
| Net interest margin | 2.7639% | 3,866 |
| Noninterest income to average assets | 1.1631% | 845 |
| Noninterest expense to average assets | 2.0285% | 3,609 |
| Loan and lease loss provision to assets | -0.2340% | 4,790 |
| Net operating income to assets | 1.4801% | 1,351 |
| Return on assets (ROA) | 1.4805% | 1,409 |
| Pretax return on assets | 1.8901% | 1,040 |
| Return on Equity (ROE) | 11.0435% | 2,410 |
| Retained earnings to average equity (ytd only) | 11.0435% | 1,111 |
| Net charge-offs to loans | 0.0388% | 1,245 |
| Credit loss provision to net charge-offs | -931.2925% | 3,640 |
| Earnings coverage of net charge-offs (x) | 67.1784% | 919 |
| Efficiency ratio | 52.6525% | 3,970 |
| Assets per employee ($millions) | 8.3174% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,485 |
| Loan loss allowance to noncurrent loans | 366.2128% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 2,701 |
| Noncurrent loans to loans | 0.3523% | 2,643 |
| Net loans and leases to total assets | 61.0932% | 2,294 |
| Net loans and leases to deposits | 73.2423% | 2,073 |
| Net loans and leases to core deposits | 74.3088% | 2,380 |
| Total domestic deposits to total assets | 83.4124% | 3,602 |
| Equity capital to assets | 13.4621% | 827 |
| Core capital (leverage) ratio | 10.7814% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2172% | 1,557 |
| Memoranda: | ||
| Average total assets | $10,737,100,333 | 150 |
| Average earning assets | $9,792,936,000 | 150 |
| Average equity | $1,439,438,667 | 136 |
| Average total loans | $6,817,701,000 | 160 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9849% | 4,120 |
| Cost of funding earning assets | 0.1588% | 4,246 |
| Net interest margin | 2.8260% | 3,698 |
| Noninterest income to average assets | 1.1556% | 916 |
| Noninterest expense to average assets | 1.9930% | 3,738 |
| Loan and lease loss provision to assets | -0.2404% | 4,834 |
| Net operating income to assets | 1.5280% | 1,270 |
| Return on assets (ROA) | 1.5288% | 1,333 |
| Pretax return on assets | 1.9809% | 978 |
| Return on Equity (ROE) | 11.4280% | 2,209 |
| Retained earnings to average equity (ytd only) | 11.4280% | 1,288 |
| Net charge-offs to loans | 0.0181% | 1,383 |
| Credit loss provision to net charge-offs | -2,199.3528% | 3,563 |
| Earnings coverage of net charge-offs (x) | 149.6505% | 491 |
| Efficiency ratio | 50.9741% | 4,099 |
| Assets per employee ($millions) | 8.3581% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,065 |
| Loan loss allowance to noncurrent loans | 411.0392% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 2,876 |
| Noncurrent loans to loans | 0.3351% | 2,892 |
| Net loans and leases to total assets | 62.6201% | 2,215 |
| Net loans and leases to deposits | 74.8638% | 2,035 |
| Net loans and leases to core deposits | 76.2481% | 2,328 |
| Total domestic deposits to total assets | 83.6453% | 3,534 |
| Equity capital to assets | 13.2928% | 837 |
| Core capital (leverage) ratio | 10.7143% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0590% | 1,555 |
| Memoranda: | ||
| Average total assets | $10,632,833,000 | 151 |
| Average earning assets | $9,695,878,000 | 151 |
| Average equity | $1,422,400,500 | 137 |
| Average total loans | $6,839,330,500 | 160 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 3,989 |
| Cost of funding earning assets | 0.3422% | 3,913 |
| Net interest margin | 3.1782% | 3,413 |
| Noninterest income to average assets | 1.1486% | 820 |
| Noninterest expense to average assets | 2.1629% | 3,778 |
| Loan and lease loss provision to assets | 0.3785% | 857 |
| Net operating income to assets | 1.1261% | 1,814 |
| Return on assets (ROA) | 1.1394% | 1,893 |
| Pretax return on assets | 1.5016% | 1,323 |
| Return on Equity (ROE) | 8.4677% | 2,619 |
| Retained earnings to average equity (ytd only) | -0.3786% | 4,575 |
| Net charge-offs to loans | 0.1190% | 1,300 |
| Credit loss provision to net charge-offs | 465.6944% | 1,311 |
| Earnings coverage of net charge-offs (x) | 22.9244% | 1,829 |
| Efficiency ratio | 51.2952% | 4,441 |
| Assets per employee ($millions) | 8.0965% | 1,005 |
| Cash dividends to net income (ytd only)* | 104.4708% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,678 |
| Loan loss allowance to noncurrent loans | 415.8183% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 2,925 |
| Noncurrent loans to loans | 0.3543% | 2,934 |
| Net loans and leases to total assets | 64.2076% | 2,329 |
| Net loans and leases to deposits | 76.7431% | 2,206 |
| Net loans and leases to core deposits | 78.5249% | 2,507 |
| Total domestic deposits to total assets | 83.6656% | 3,212 |
| Equity capital to assets | 13.4638% | 939 |
| Core capital (leverage) ratio | 10.5238% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5030% | 1,678 |
| Memoranda: | ||
| Average total assets | $10,249,510,200 | 148 |
| Average earning assets | $9,280,302,600 | 146 |
| Average equity | $1,379,114,800 | 140 |
| Average total loans | $7,000,409,600 | 152 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5541% | 4,120 |
| Cost of funding earning assets | 0.3909% | 3,852 |
| Net interest margin | 3.1632% | 3,580 |
| Noninterest income to average assets | 1.1470% | 798 |
| Noninterest expense to average assets | 2.1362% | 3,862 |
| Loan and lease loss provision to assets | 0.4670% | 664 |
| Net operating income to assets | 1.0885% | 2,021 |
| Return on assets (ROA) | 1.1062% | 2,084 |
| Pretax return on assets | 1.4263% | 1,649 |
| Return on Equity (ROE) | 8.2227% | 2,719 |
| Retained earnings to average equity (ytd only) | -3.6539% | 4,801 |
| Net charge-offs to loans | 0.1402% | 1,040 |
| Credit loss provision to net charge-offs | 482.0333% | 1,318 |
| Earnings coverage of net charge-offs (x) | 19.3126% | 1,938 |
| Efficiency ratio | 50.8362% | 4,433 |
| Assets per employee ($millions) | 7.9493% | 1,018 |
| Cash dividends to net income (ytd only)* | 144.4368% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 1,871 |
| Loan loss allowance to noncurrent loans | 408.8224% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,055 |
| Noncurrent loans to loans | 0.3352% | 3,079 |
| Net loans and leases to total assets | 67.6332% | 2,292 |
| Net loans and leases to deposits | 80.9324% | 2,203 |
| Net loans and leases to core deposits | 83.3053% | 2,547 |
| Total domestic deposits to total assets | 83.5676% | 2,964 |
| Equity capital to assets | 13.1906% | 1,109 |
| Core capital (leverage) ratio | 9.9306% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8922% | 1,860 |
| Memoranda: | ||
| Average total assets | $10,180,514,250 | 147 |
| Average earning assets | $9,204,943,750 | 146 |
| Average equity | $1,369,611,000 | 140 |
| Average total loans | $7,035,708,000 | 151 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 4,197 |
| Cost of funding earning assets | 0.4549% | 3,767 |
| Net interest margin | 3.1842% | 3,712 |
| Noninterest income to average assets | 1.0824% | 850 |
| Noninterest expense to average assets | 2.1566% | 3,913 |
| Loan and lease loss provision to assets | 0.5981% | 531 |
| Net operating income to assets | 0.9462% | 2,513 |
| Return on assets (ROA) | 0.9729% | 2,544 |
| Pretax return on assets | 1.2419% | 2,212 |
| Return on Equity (ROE) | 7.1831% | 3,061 |
| Retained earnings to average equity (ytd only) | -10.7090% | 4,931 |
| Net charge-offs to loans | 0.1331% | 1,049 |
| Credit loss provision to net charge-offs | 648.4385% | 1,051 |
| Earnings coverage of net charge-offs (x) | 19.5832% | 1,714 |
| Efficiency ratio | 51.8778% | 4,362 |
| Assets per employee ($millions) | 7.5410% | 1,156 |
| Cash dividends to net income (ytd only)* | 249.0863% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 1,958 |
| Loan loss allowance to noncurrent loans | 378.4318% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 3,241 |
| Noncurrent loans to loans | 0.3459% | 3,159 |
| Net loans and leases to total assets | 66.9226% | 2,506 |
| Net loans and leases to deposits | 79.6125% | 2,475 |
| Net loans and leases to core deposits | 82.4609% | 2,736 |
| Total domestic deposits to total assets | 84.0605% | 2,732 |
| Equity capital to assets | 12.5074% | 1,370 |
| Core capital (leverage) ratio | 9.8222% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3015% | 2,071 |
| Memoranda: | ||
| Average total assets | $10,068,377,333 | 147 |
| Average earning assets | $9,107,639,667 | 145 |
| Average equity | $1,363,734,333 | 139 |
| Average total loans | $6,977,018,333 | 151 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 4,097 |
| Cost of funding earning assets | 0.5876% | 3,495 |
| Net interest margin | 3.2812% | 3,641 |
| Noninterest income to average assets | 1.1135% | 695 |
| Noninterest expense to average assets | 2.3954% | 3,546 |
| Loan and lease loss provision to assets | 0.7105% | 368 |
| Net operating income to assets | 0.7486% | 3,098 |
| Return on assets (ROA) | 0.8000% | 2,999 |
| Pretax return on assets | 1.0289% | 2,745 |
| Return on Equity (ROE) | 5.6640% | 3,434 |
| Retained earnings to average equity (ytd only) | -29.9860% | 5,038 |
| Net charge-offs to loans | 0.2009% | 686 |
| Credit loss provision to net charge-offs | 504.2765% | 867 |
| Earnings coverage of net charge-offs (x) | 11.8837% | 1,717 |
| Efficiency ratio | 56.2645% | 4,187 |
| Assets per employee ($millions) | 6.6379% | 1,269 |
| Cash dividends to net income (ytd only)* | 629.4175% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,487 |
| Loan loss allowance to noncurrent loans | 310.0985% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 3,169 |
| Noncurrent loans to loans | 0.3981% | 3,061 |
| Net loans and leases to total assets | 69.5720% | 2,313 |
| Net loans and leases to deposits | 83.8751% | 2,252 |
| Net loans and leases to core deposits | 87.6185% | 2,553 |
| Total domestic deposits to total assets | 82.9472% | 3,132 |
| Equity capital to assets | 13.5995% | 1,180 |
| Core capital (leverage) ratio | 10.1946% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4202% | 2,521 |
| Memoranda: | ||
| Average total assets | $9,691,895,000 | 148 |
| Average earning assets | $8,732,282,000 | 146 |
| Average equity | $1,368,865,500 | 137 |
| Average total loans | $6,796,540,500 | 153 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 4,023 |
| Cost of funding earning assets | 0.6890% | 3,217 |
| Net interest margin | 3.4189% | 3,684 |
| Noninterest income to average assets | 1.2231% | 629 |
| Noninterest expense to average assets | 2.5655% | 3,273 |
| Loan and lease loss provision to assets | 0.1084% | 1,916 |
| Net operating income to assets | 1.2602% | 1,834 |
| Return on assets (ROA) | 1.2663% | 1,902 |
| Pretax return on assets | 1.6502% | 1,339 |
| Return on Equity (ROE) | 8.7998% | 2,845 |
| Retained earnings to average equity (ytd only) | 3.7343% | 3,119 |
| Net charge-offs to loans | 0.1103% | 1,626 |
| Credit loss provision to net charge-offs | 142.4504% | 1,809 |
| Earnings coverage of net charge-offs (x) | 23.0174% | 1,829 |
| Efficiency ratio | 57.1333% | 4,074 |
| Assets per employee ($millions) | 6.5179% | 1,274 |
| Cash dividends to net income (ytd only)* | 57.5639% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,312 |
| Loan loss allowance to noncurrent loans | 182.1534% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,071 |
| Noncurrent loans to loans | 0.4367% | 2,882 |
| Net loans and leases to total assets | 69.2544% | 2,508 |
| Net loans and leases to deposits | 84.6498% | 2,255 |
| Net loans and leases to core deposits | 88.1039% | 2,590 |
| Total domestic deposits to total assets | 81.8128% | 3,556 |
| Equity capital to assets | 14.6495% | 886 |
| Core capital (leverage) ratio | 11.1948% | 2,345 |
| Tier 1 risk-based capital ratio | 14.1867% | 3,172 |
| Total risk-based capital ratio | 14.9159% | 3,335 |
| Memoranda: | ||
| Average total assets | $9,603,393,000 | 146 |
| Average earning assets | $8,688,563,800 | 145 |
| Average equity | $1,381,899,800 | 137 |
| Average total loans | $6,620,295,400 | 150 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 3,690 |
| Cost of funding earning assets | 0.7562% | 2,941 |
| Net interest margin | 3.5317% | 3,467 |
| Noninterest income to average assets | 1.2192% | 612 |
| Noninterest expense to average assets | 2.4654% | 3,522 |
| Loan and lease loss provision to assets | 0.1201% | 1,631 |
| Net operating income to assets | 1.3537% | 1,635 |
| Return on assets (ROA) | 1.3482% | 1,724 |
| Pretax return on assets | 1.8223% | 1,025 |
| Return on Equity (ROE) | 9.2765% | 2,768 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,434 |
| Net charge-offs to loans | 0.1273% | 1,243 |
| Credit loss provision to net charge-offs | 127.6115% | 1,851 |
| Earnings coverage of net charge-offs (x) | 20.7202% | 1,944 |
| Efficiency ratio | 54.2423% | 4,367 |
| Assets per employee ($millions) | 6.2082% | 1,456 |
| Cash dividends to net income (ytd only)* | 57.6472% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,095 |
| Loan loss allowance to noncurrent loans | 171.4817% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 2,930 |
| Noncurrent loans to loans | 0.5181% | 2,735 |
| Net loans and leases to total assets | 74.5444% | 1,711 |
| Net loans and leases to deposits | 91.1638% | 1,549 |
| Net loans and leases to core deposits | 96.5806% | 1,955 |
| Total domestic deposits to total assets | 81.7697% | 3,539 |
| Equity capital to assets | 14.5919% | 956 |
| Core capital (leverage) ratio | 11.1191% | 2,542 |
| Tier 1 risk-based capital ratio | 13.1105% | 3,795 |
| Total risk-based capital ratio | 13.9333% | 3,908 |
| Memoranda: | ||
| Average total assets | $7,719,734,000 | 165 |
| Average earning assets | $6,984,842,750 | 163 |
| Average equity | $1,121,963,500 | 149 |
| Average total loans | $5,706,392,750 | 164 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 3,721 |
| Cost of funding earning assets | 0.7379% | 2,958 |
| Net interest margin | 3.5351% | 3,487 |
| Noninterest income to average assets | 1.1949% | 597 |
| Noninterest expense to average assets | 2.4569% | 3,594 |
| Loan and lease loss provision to assets | 0.1140% | 1,647 |
| Net operating income to assets | 1.3517% | 1,567 |
| Return on assets (ROA) | 1.3435% | 1,669 |
| Pretax return on assets | 1.8168% | 999 |
| Return on Equity (ROE) | 9.2565% | 2,752 |
| Retained earnings to average equity (ytd only) | 6.5693% | 2,021 |
| Net charge-offs to loans | 0.1475% | 1,053 |
| Credit loss provision to net charge-offs | 105.1571% | 1,898 |
| Earnings coverage of net charge-offs (x) | 17.9074% | 1,873 |
| Efficiency ratio | 54.2248% | 4,447 |
| Assets per employee ($millions) | 6.2625% | 1,361 |
| Cash dividends to net income (ytd only)* | 29.0309% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,130 |
| Loan loss allowance to noncurrent loans | 166.1592% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 2,880 |
| Noncurrent loans to loans | 0.5366% | 2,667 |
| Net loans and leases to total assets | 73.8161% | 1,923 |
| Net loans and leases to deposits | 90.3344% | 1,700 |
| Net loans and leases to core deposits | 97.1405% | 1,964 |
| Total domestic deposits to total assets | 81.7143% | 3,603 |
| Equity capital to assets | 14.8804% | 846 |
| Core capital (leverage) ratio | 11.4004% | 2,243 |
| Tier 1 risk-based capital ratio | 13.7022% | 3,484 |
| Total risk-based capital ratio | 14.5296% | 3,604 |
| Memoranda: | ||
| Average total assets | $7,691,741,670 | 166 |
| Average earning assets | $6,969,587,670 | 164 |
| Average equity | $1,116,382,330 | 151 |
| Average total loans | $5,652,064,000 | 165 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 3,812 |
| Cost of funding earning assets | 0.7046% | 3,027 |
| Net interest margin | 3.5125% | 3,562 |
| Noninterest income to average assets | 1.1888% | 575 |
| Noninterest expense to average assets | 2.3751% | 3,832 |
| Loan and lease loss provision to assets | 0.1073% | 1,658 |
| Net operating income to assets | 1.3860% | 1,417 |
| Return on assets (ROA) | 1.3860% | 1,451 |
| Pretax return on assets | 1.8917% | 807 |
| Return on Equity (ROE) | 9.6705% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.6705% | 1,117 |
| Net charge-offs to loans | 0.1354% | 932 |
| Credit loss provision to net charge-offs | 108.5039% | 1,508 |
| Earnings coverage of net charge-offs (x) | 20.2210% | 1,565 |
| Efficiency ratio | 52.6415% | 4,648 |
| Assets per employee ($millions) | 6.8428% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,162 |
| Loan loss allowance to noncurrent loans | 151.6988% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 2,828 |
| Noncurrent loans to loans | 0.5921% | 2,563 |
| Net loans and leases to total assets | 72.5678% | 2,064 |
| Net loans and leases to deposits | 88.5577% | 1,802 |
| Net loans and leases to core deposits | 95.4711% | 1,974 |
| Total domestic deposits to total assets | 81.9442% | 3,740 |
| Equity capital to assets | 14.5069% | 875 |
| Core capital (leverage) ratio | 11.2453% | 2,344 |
| Tier 1 risk-based capital ratio | 13.6537% | 3,517 |
| Total risk-based capital ratio | 14.4881% | 3,656 |
| Memoranda: | ||
| Average total assets | $7,708,065,000 | 169 |
| Average earning assets | $6,989,865,500 | 166 |
| Average equity | $1,104,722,000 | 154 |
| Average total loans | $5,625,841,000 | 166 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,869 |
| Cost of funding earning assets | 0.5296% | 3,184 |
| Net interest margin | 3.5300% | 3,601 |
| Noninterest income to average assets | 1.1867% | 653 |
| Noninterest expense to average assets | 2.3715% | 3,953 |
| Loan and lease loss provision to assets | 0.0570% | 3,030 |
| Net operating income to assets | 1.4427% | 1,301 |
| Return on assets (ROA) | 1.4224% | 1,357 |
| Pretax return on assets | 1.9377% | 650 |
| Return on Equity (ROE) | 10.4896% | 2,295 |
| Retained earnings to average equity (ytd only) | 10.4896% | 528 |
| Net charge-offs to loans | 0.1314% | 1,433 |
| Credit loss provision to net charge-offs | 60.1521% | 3,100 |
| Earnings coverage of net charge-offs (x) | 21.3120% | 1,950 |
| Efficiency ratio | 52.2809% | 4,772 |
| Assets per employee ($millions) | 6.8300% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,134 |
| Loan loss allowance to noncurrent loans | 138.3901% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,649 |
| Noncurrent loans to loans | 0.6542% | 2,359 |
| Net loans and leases to total assets | 72.0877% | 2,246 |
| Net loans and leases to deposits | 87.6864% | 2,085 |
| Net loans and leases to core deposits | 95.6774% | 2,084 |
| Total domestic deposits to total assets | 82.2108% | 3,588 |
| Equity capital to assets | 14.1564% | 920 |
| Core capital (leverage) ratio | 10.6369% | 2,902 |
| Tier 1 risk-based capital ratio | 13.3478% | 3,631 |
| Total risk-based capital ratio | 14.1889% | 3,766 |
| Memoranda: | ||
| Average total assets | $7,766,772,800 | 164 |
| Average earning assets | $7,052,167,000 | 162 |
| Average equity | $1,053,216,200 | 154 |
| Average total loans | $5,603,350,800 | 162 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 3,962 |
| Cost of funding earning assets | 0.4761% | 3,355 |
| Net interest margin | 3.5120% | 3,653 |
| Noninterest income to average assets | 0.8214% | 1,407 |
| Noninterest expense to average assets | 2.1453% | 4,444 |
| Loan and lease loss provision to assets | 0.0689% | 2,596 |
| Net operating income to assets | 1.3207% | 1,776 |
| Return on assets (ROA) | 1.3207% | 1,784 |
| Pretax return on assets | 1.7985% | 1,018 |
| Return on Equity (ROE) | 9.8461% | 2,691 |
| Retained earnings to average equity (ytd only) | 9.8461% | 971 |
| Net charge-offs to loans | 0.1157% | 1,350 |
| Credit loss provision to net charge-offs | 82.7473% | 2,504 |
| Earnings coverage of net charge-offs (x) | 22.4238% | 1,876 |
| Efficiency ratio | 51.6686% | 4,842 |
| Assets per employee ($millions) | 6.7823% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,125 |
| Loan loss allowance to noncurrent loans | 129.4021% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5333% | 2,607 |
| Noncurrent loans to loans | 0.7205% | 2,277 |
| Net loans and leases to total assets | 71.4180% | 2,422 |
| Net loans and leases to deposits | 90.1113% | 1,883 |
| Net loans and leases to core deposits | 100.0832% | 1,787 |
| Total domestic deposits to total assets | 79.2553% | 4,268 |
| Equity capital to assets | 13.7644% | 1,032 |
| Core capital (leverage) ratio | 10.8448% | 2,740 |
| Tier 1 risk-based capital ratio | 13.3551% | 3,704 |
| Total risk-based capital ratio | 14.2217% | 3,831 |
| Memoranda: | ||
| Average total assets | $7,785,813,000 | 162 |
| Average earning assets | $7,074,841,500 | 162 |
| Average equity | $1,044,342,750 | 154 |
| Average total loans | $5,605,531,000 | 159 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,967 |
| Cost of funding earning assets | 0.4311% | 3,488 |
| Net interest margin | 3.5070% | 3,606 |
| Noninterest income to average assets | 0.8294% | 1,389 |
| Noninterest expense to average assets | 2.1876% | 4,397 |
| Loan and lease loss provision to assets | 0.0841% | 2,231 |
| Net operating income to assets | 1.2795% | 1,858 |
| Return on assets (ROA) | 1.2795% | 1,864 |
| Pretax return on assets | 1.7437% | 1,108 |
| Return on Equity (ROE) | 9.6240% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.6240% | 1,033 |
| Net charge-offs to loans | 0.1268% | 1,166 |
| Credit loss provision to net charge-offs | 92.1818% | 2,140 |
| Earnings coverage of net charge-offs (x) | 20.0305% | 1,829 |
| Efficiency ratio | 52.6574% | 4,816 |
| Assets per employee ($millions) | 6.7367% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 4,095 |
| Loan loss allowance to noncurrent loans | 202.2423% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 3,191 |
| Noncurrent loans to loans | 0.4715% | 3,020 |
| Net loans and leases to total assets | 71.5867% | 2,342 |
| Net loans and leases to deposits | 89.2425% | 1,942 |
| Net loans and leases to core deposits | 98.3231% | 1,868 |
| Total domestic deposits to total assets | 80.2159% | 4,190 |
| Equity capital to assets | 13.6393% | 1,055 |
| Core capital (leverage) ratio | 10.6758% | 2,840 |
| Tier 1 risk-based capital ratio | 13.1410% | 3,827 |
| Total risk-based capital ratio | 14.0339% | 3,920 |
| Memoranda: | ||
| Average total assets | $7,765,379,670 | 163 |
| Average earning assets | $7,054,623,330 | 161 |
| Average equity | $1,032,422,000 | 155 |
| Average total loans | $5,588,377,330 | 158 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,976 |
| Cost of funding earning assets | 0.4023% | 3,561 |
| Net interest margin | 3.4817% | 3,598 |
| Noninterest income to average assets | 0.8390% | 1,332 |
| Noninterest expense to average assets | 2.2749% | 4,242 |
| Loan and lease loss provision to assets | 0.0518% | 2,738 |
| Net operating income to assets | 1.2220% | 1,917 |
| Return on assets (ROA) | 1.2220% | 1,927 |
| Pretax return on assets | 1.6742% | 1,180 |
| Return on Equity (ROE) | 9.3112% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.3112% | 1,360 |
| Net charge-offs to loans | 0.1389% | 978 |
| Credit loss provision to net charge-offs | 51.9320% | 1,934 |
| Earnings coverage of net charge-offs (x) | 17.2988% | 1,590 |
| Efficiency ratio | 55.0173% | 4,691 |
| Assets per employee ($millions) | 6.7751% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 4,232 |
| Loan loss allowance to noncurrent loans | 156.7728% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 3,063 |
| Noncurrent loans to loans | 0.6039% | 2,738 |
| Net loans and leases to total assets | 71.1912% | 2,302 |
| Net loans and leases to deposits | 86.2743% | 2,130 |
| Net loans and leases to core deposits | 96.6383% | 1,930 |
| Total domestic deposits to total assets | 82.5172% | 3,806 |
| Equity capital to assets | 13.3130% | 1,108 |
| Core capital (leverage) ratio | 10.3144% | 3,173 |
| Tier 1 risk-based capital ratio | 12.8749% | 4,022 |
| Total risk-based capital ratio | 13.7696% | 4,129 |
| Memoranda: | ||
| Average total assets | $7,781,191,000 | 165 |
| Average earning assets | $7,066,471,000 | 162 |
| Average equity | $1,021,217,500 | 156 |
| Average total loans | $5,587,743,500 | 160 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 4,837 |
| Cost of funding earning assets | 0.2404% | 4,643 |
| Net interest margin | 3.2281% | 4,365 |
| Noninterest income to average assets | 0.8999% | 1,270 |
| Noninterest expense to average assets | 2.1493% | 4,651 |
| Loan and lease loss provision to assets | 0.0742% | 2,720 |
| Net operating income to assets | 0.9628% | 2,392 |
| Return on assets (ROA) | 0.9735% | 2,398 |
| Pretax return on assets | 1.6713% | 1,092 |
| Return on Equity (ROE) | 8.3087% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.3087% | 666 |
| Net charge-offs to loans | -0.0096% | 4,784 |
| Credit loss provision to net charge-offs | -1,018.2365% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7718% | 4,966 |
| Assets per employee ($millions) | 6.5552% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,855 |
| Loan loss allowance to noncurrent loans | 233.6295% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,517 |
| Noncurrent loans to loans | 0.4340% | 3,225 |
| Net loans and leases to total assets | 73.2633% | 2,053 |
| Net loans and leases to deposits | 91.7293% | 1,565 |
| Net loans and leases to core deposits | 103.0762% | 1,481 |
| Total domestic deposits to total assets | 79.8691% | 4,362 |
| Equity capital to assets | 12.2564% | 1,667 |
| Core capital (leverage) ratio | 9.8016% | 3,694 |
| Tier 1 risk-based capital ratio | 11.8157% | 4,651 |
| Total risk-based capital ratio | 12.7838% | 4,728 |
| Memoranda: | ||
| Average total assets | $6,848,461,000 | 174 |
| Average earning assets | $6,318,283,800 | 169 |
| Average equity | $802,428,400 | 171 |
| Average total loans | $5,171,551,400 | 163 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 4,376 |
| Cost of funding earning assets | 0.2078% | 4,906 |
| Net interest margin | 3.4705% | 3,597 |
| Noninterest income to average assets | 1.0785% | 874 |
| Noninterest expense to average assets | 2.4281% | 3,942 |
| Loan and lease loss provision to assets | 0.0246% | 3,650 |
| Net operating income to assets | 1.1764% | 1,790 |
| Return on assets (ROA) | 1.1945% | 1,750 |
| Pretax return on assets | 1.8639% | 761 |
| Return on Equity (ROE) | 10.3148% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.3148% | 524 |
| Net charge-offs to loans | -0.0199% | 4,848 |
| Credit loss provision to net charge-offs | -164.7446% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9986% | 4,847 |
| Assets per employee ($millions) | 4.7364% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,910 |
| Loan loss allowance to noncurrent loans | 301.3971% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,805 |
| Noncurrent loans to loans | 0.3995% | 3,518 |
| Net loans and leases to total assets | 75.5313% | 1,680 |
| Net loans and leases to deposits | 94.4602% | 1,248 |
| Net loans and leases to core deposits | 98.8893% | 1,809 |
| Total domestic deposits to total assets | 79.9610% | 4,321 |
| Equity capital to assets | 12.1291% | 1,883 |
| Core capital (leverage) ratio | 10.6071% | 2,870 |
| Tier 1 risk-based capital ratio | 13.0247% | 3,990 |
| Total risk-based capital ratio | 14.1893% | 3,962 |
| Memoranda: | ||
| Average total assets | $5,409,484,250 | 197 |
| Average earning assets | $5,003,342,250 | 195 |
| Average equity | $626,426,000 | 195 |
| Average total loans | $4,074,320,500 | 188 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 4,451 |
| Cost of funding earning assets | 0.1935% | 5,040 |
| Net interest margin | 3.4296% | 3,668 |
| Noninterest income to average assets | 1.0922% | 839 |
| Noninterest expense to average assets | 2.4056% | 4,038 |
| Loan and lease loss provision to assets | 0.0369% | 3,269 |
| Net operating income to assets | 1.1692% | 1,707 |
| Return on assets (ROA) | 1.1894% | 1,667 |
| Pretax return on assets | 1.8538% | 736 |
| Return on Equity (ROE) | 10.4343% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.4343% | 518 |
| Net charge-offs to loans | -0.0200% | 4,779 |
| Credit loss provision to net charge-offs | -246.3054% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6107% | 4,964 |
| Assets per employee ($millions) | 4.8918% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,993 |
| Loan loss allowance to noncurrent loans | 245.2936% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 3,621 |
| Noncurrent loans to loans | 0.4905% | 3,279 |
| Net loans and leases to total assets | 73.6078% | 1,943 |
| Net loans and leases to deposits | 89.7037% | 1,773 |
| Net loans and leases to core deposits | 93.8118% | 2,170 |
| Total domestic deposits to total assets | 82.0567% | 3,871 |
| Equity capital to assets | 11.5640% | 2,258 |
| Core capital (leverage) ratio | 10.2548% | 3,195 |
| Tier 1 risk-based capital ratio | 12.7602% | 4,146 |
| Total risk-based capital ratio | 13.9351% | 4,103 |
| Memoranda: | ||
| Average total assets | $5,423,855,670 | 200 |
| Average earning assets | $5,017,157,330 | 197 |
| Average equity | $618,269,670 | 199 |
| Average total loans | $4,064,863,330 | 190 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,396 |
| Cost of funding earning assets | 0.1859% | 5,105 |
| Net interest margin | 3.4224% | 3,560 |
| Noninterest income to average assets | 1.1307% | 784 |
| Noninterest expense to average assets | 2.4571% | 3,942 |
| Loan and lease loss provision to assets | 0.0371% | 3,059 |
| Net operating income to assets | 1.1371% | 1,722 |
| Return on assets (ROA) | 1.1780% | 1,606 |
| Pretax return on assets | 1.8629% | 702 |
| Return on Equity (ROE) | 10.4109% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.4109% | 729 |
| Net charge-offs to loans | -0.0145% | 4,575 |
| Credit loss provision to net charge-offs | -340.1361% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4177% | 5,000 |
| Assets per employee ($millions) | 4.7535% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,008 |
| Loan loss allowance to noncurrent loans | 232.2800% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,594 |
| Noncurrent loans to loans | 0.5254% | 3,240 |
| Net loans and leases to total assets | 72.6155% | 1,985 |
| Net loans and leases to deposits | 87.0159% | 1,908 |
| Net loans and leases to core deposits | 91.4415% | 2,222 |
| Total domestic deposits to total assets | 83.4509% | 3,677 |
| Equity capital to assets | 11.4428% | 2,225 |
| Core capital (leverage) ratio | 10.0571% | 3,428 |
| Tier 1 risk-based capital ratio | 12.6499% | 4,292 |
| Total risk-based capital ratio | 13.8359% | 4,245 |
| Memoranda: | ||
| Average total assets | $5,391,474,500 | 200 |
| Average earning assets | $4,981,943,500 | 196 |
| Average equity | $610,052,500 | 197 |
| Average total loans | $4,052,668,000 | 189 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 2,468 |
| Cost of funding earning assets | 0.2090% | 4,934 |
| Net interest margin | 3.9972% | 1,637 |
| Noninterest income to average assets | 1.3262% | 649 |
| Noninterest expense to average assets | 3.0845% | 2,082 |
| Loan and lease loss provision to assets | 0.1323% | 1,885 |
| Net operating income to assets | 1.1896% | 1,543 |
| Return on assets (ROA) | 1.2085% | 1,564 |
| Pretax return on assets | 1.8761% | 656 |
| Return on Equity (ROE) | 11.4963% | 1,405 |
| Retained earnings to average equity (ytd only) | 11.4963% | 258 |
| Net charge-offs to loans | 0.1770% | 1,551 |
| Credit loss provision to net charge-offs | 105.8756% | 2,459 |
| Earnings coverage of net charge-offs (x) | 15.8323% | 2,166 |
| Efficiency ratio | 59.1327% | 4,711 |
| Assets per employee ($millions) | 4.5541% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,396 |
| Loan loss allowance to noncurrent loans | 221.7454% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 3,475 |
| Noncurrent loans to loans | 0.5212% | 3,287 |
| Net loans and leases to total assets | 75.9410% | 1,521 |
| Net loans and leases to deposits | 92.8391% | 1,323 |
| Net loans and leases to core deposits | 97.9139% | 1,771 |
| Total domestic deposits to total assets | 81.7984% | 4,129 |
| Equity capital to assets | 11.1871% | 2,437 |
| Core capital (leverage) ratio | 9.4505% | 4,157 |
| Tier 1 risk-based capital ratio | 11.7383% | 4,900 |
| Total risk-based capital ratio | 12.8620% | 4,893 |
| Memoranda: | ||
| Average total assets | $4,193,752,000 | 228 |
| Average earning assets | $3,921,017,400 | 221 |
| Average equity | $440,837,200 | 240 |
| Average total loans | $2,961,729,000 | 231 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2845% | 5,235 |
| Cost of funding earning assets | 0.1338% | 5,591 |
| Net interest margin | 3.1507% | 4,633 |
| Noninterest income to average assets | 1.1097% | 924 |
| Noninterest expense to average assets | 2.4419% | 4,158 |
| Loan and lease loss provision to assets | 0.0513% | 3,221 |
| Net operating income to assets | 1.0097% | 2,388 |
| Return on assets (ROA) | 1.0368% | 2,380 |
| Pretax return on assets | 1.6196% | 1,333 |
| Return on Equity (ROE) | 10.0869% | 2,018 |
| Retained earnings to average equity (ytd only) | 10.0869% | 559 |
| Net charge-offs to loans | 0.2390% | 978 |
| Credit loss provision to net charge-offs | 31.3611% | 3,213 |
| Earnings coverage of net charge-offs (x) | 9.9509% | 2,628 |
| Efficiency ratio | 58.4682% | 4,754 |
| Assets per employee ($millions) | 5.7065% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,389 |
| Loan loss allowance to noncurrent loans | 262.7281% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 3,678 |
| Noncurrent loans to loans | 0.6194% | 3,159 |
| Net loans and leases to total assets | 68.2593% | 2,763 |
| Net loans and leases to deposits | 83.0846% | 2,590 |
| Net loans and leases to core deposits | 83.7871% | 3,145 |
| Total domestic deposits to total assets | 82.1564% | 3,898 |
| Equity capital to assets | 10.6402% | 3,418 |
| Core capital (leverage) ratio | 10.1696% | 3,359 |
| Tier 1 risk-based capital ratio | 12.9787% | 4,175 |
| Total risk-based capital ratio | 14.2392% | 4,083 |
| Memoranda: | ||
| Average total assets | $3,896,449,750 | 238 |
| Average earning assets | $3,661,664,250 | 233 |
| Average equity | $400,497,250 | 257 |
| Average total loans | $2,668,244,500 | 248 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 5,412 |
| Cost of funding earning assets | 0.1339% | 5,655 |
| Net interest margin | 3.0779% | 4,895 |
| Noninterest income to average assets | 1.1180% | 898 |
| Noninterest expense to average assets | 2.4285% | 4,236 |
| Loan and lease loss provision to assets | 0.0771% | 2,597 |
| Net operating income to assets | 0.9662% | 2,543 |
| Return on assets (ROA) | 1.0066% | 2,496 |
| Pretax return on assets | 1.5677% | 1,468 |
| Return on Equity (ROE) | 9.9101% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.9101% | 619 |
| Net charge-offs to loans | 0.3460% | 676 |
| Credit loss provision to net charge-offs | 32.6940% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.7064% | 2,712 |
| Efficiency ratio | 59.0088% | 4,768 |
| Assets per employee ($millions) | 5.6468% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 1,459 |
| Loan loss allowance to noncurrent loans | 375.2134% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 4,190 |
| Noncurrent loans to loans | 0.4328% | 3,813 |
| Net loans and leases to total assets | 69.6366% | 2,530 |
| Net loans and leases to deposits | 83.9692% | 2,474 |
| Net loans and leases to core deposits | 84.7045% | 3,016 |
| Total domestic deposits to total assets | 82.9312% | 3,681 |
| Equity capital to assets | 10.5379% | 3,591 |
| Core capital (leverage) ratio | 9.9079% | 3,673 |
| Tier 1 risk-based capital ratio | 12.5292% | 4,496 |
| Total risk-based capital ratio | 13.7882% | 4,407 |
| Memoranda: | ||
| Average total assets | $3,890,379,330 | 239 |
| Average earning assets | $3,655,687,330 | 233 |
| Average equity | $395,154,000 | 259 |
| Average total loans | $2,652,217,670 | 249 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 5,466 |
| Cost of funding earning assets | 0.1345% | 5,723 |
| Net interest margin | 3.0808% | 4,913 |
| Noninterest income to average assets | 1.1370% | 847 |
| Noninterest expense to average assets | 2.3490% | 4,521 |
| Loan and lease loss provision to assets | 0.1024% | 1,989 |
| Net operating income to assets | 1.0127% | 2,222 |
| Return on assets (ROA) | 1.0831% | 2,075 |
| Pretax return on assets | 1.6895% | 1,093 |
| Return on Equity (ROE) | 10.8648% | 1,642 |
| Retained earnings to average equity (ytd only) | 10.8648% | 673 |
| Net charge-offs to loans | 0.5079% | 431 |
| Credit loss provision to net charge-offs | 30.1568% | 2,224 |
| Earnings coverage of net charge-offs (x) | 4.9508% | 2,377 |
| Efficiency ratio | 56.7416% | 5,124 |
| Assets per employee ($millions) | 5.6703% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 1,255 |
| Loan loss allowance to noncurrent loans | 253.4848% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 3,696 |
| Noncurrent loans to loans | 0.6892% | 3,122 |
| Net loans and leases to total assets | 65.9810% | 2,949 |
| Net loans and leases to deposits | 79.6352% | 2,847 |
| Net loans and leases to core deposits | 80.3669% | 3,290 |
| Total domestic deposits to total assets | 82.8541% | 3,948 |
| Equity capital to assets | 10.2972% | 3,751 |
| Core capital (leverage) ratio | 9.6254% | 4,005 |
| Tier 1 risk-based capital ratio | 12.8067% | 4,393 |
| Total risk-based capital ratio | 14.0678% | 4,296 |
| Memoranda: | ||
| Average total assets | $3,904,363,000 | 237 |
| Average earning assets | $3,667,479,500 | 232 |
| Average equity | $389,222,000 | 262 |
| Average total loans | $2,611,301,000 | 251 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 5,333 |
| Cost of funding earning assets | 0.1400% | 5,751 |
| Net interest margin | 3.1686% | 4,719 |
| Noninterest income to average assets | 1.1682% | 872 |
| Noninterest expense to average assets | 2.5616% | 4,036 |
| Loan and lease loss provision to assets | 0.0420% | 3,497 |
| Net operating income to assets | 0.9871% | 2,434 |
| Return on assets (ROA) | 0.9935% | 2,493 |
| Pretax return on assets | 1.5338% | 1,452 |
| Return on Equity (ROE) | 9.3173% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.3173% | 584 |
| Net charge-offs to loans | 0.0620% | 2,985 |
| Credit loss provision to net charge-offs | 102.1711% | 2,453 |
| Earnings coverage of net charge-offs (x) | 38.1201% | 1,217 |
| Efficiency ratio | 60.4708% | 4,846 |
| Assets per employee ($millions) | 5.8044% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 1,129 |
| Loan loss allowance to noncurrent loans | 372.0677% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 4,218 |
| Noncurrent loans to loans | 0.4840% | 3,749 |
| Net loans and leases to total assets | 65.4169% | 3,062 |
| Net loans and leases to deposits | 78.3892% | 3,009 |
| Net loans and leases to core deposits | 79.1419% | 3,432 |
| Total domestic deposits to total assets | 83.4515% | 3,693 |
| Equity capital to assets | 9.6496% | 4,372 |
| Core capital (leverage) ratio | 9.3218% | 4,442 |
| Tier 1 risk-based capital ratio | 12.1906% | 4,828 |
| Total risk-based capital ratio | 13.4530% | 4,726 |
| Memoranda: | ||
| Average total assets | $3,812,515,600 | 233 |
| Average earning assets | $3,560,634,600 | 227 |
| Average equity | $406,533,000 | 242 |
| Average total loans | $2,526,644,000 | 242 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2831% | 5,439 |
| Cost of funding earning assets | 0.1433% | 5,826 |
| Net interest margin | 3.1398% | 4,843 |
| Noninterest income to average assets | 1.1804% | 868 |
| Noninterest expense to average assets | 2.6231% | 3,788 |
| Loan and lease loss provision to assets | 0.0212% | 3,849 |
| Net operating income to assets | 0.9489% | 2,717 |
| Return on assets (ROA) | 0.9484% | 2,817 |
| Pretax return on assets | 1.4644% | 1,783 |
| Return on Equity (ROE) | 8.6783% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.6783% | 1,010 |
| Net charge-offs to loans | 0.0449% | 3,001 |
| Credit loss provision to net charge-offs | 71.3436% | 2,742 |
| Earnings coverage of net charge-offs (x) | 50.0521% | 1,052 |
| Efficiency ratio | 62.2175% | 4,534 |
| Assets per employee ($millions) | 5.6126% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 1,206 |
| Loan loss allowance to noncurrent loans | 587.7256% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 4,908 |
| Noncurrent loans to loans | 0.3112% | 4,484 |
| Net loans and leases to total assets | 66.5855% | 2,923 |
| Net loans and leases to deposits | 81.1454% | 2,749 |
| Net loans and leases to core deposits | 82.2536% | 3,222 |
| Total domestic deposits to total assets | 82.0570% | 4,145 |
| Equity capital to assets | 11.4416% | 2,548 |
| Core capital (leverage) ratio | 10.5883% | 2,941 |
| Tier 1 risk-based capital ratio | 14.1276% | 3,781 |
| Total risk-based capital ratio | 15.3975% | 3,698 |
| Memoranda: | ||
| Average total assets | $3,775,991,000 | 238 |
| Average earning assets | $3,522,555,250 | 233 |
| Average equity | $412,668,250 | 244 |
| Average total loans | $2,499,032,500 | 247 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2490% | 5,539 |
| Cost of funding earning assets | 0.1456% | 5,881 |
| Net interest margin | 3.1033% | 4,966 |
| Noninterest income to average assets | 1.1922% | 853 |
| Noninterest expense to average assets | 2.6736% | 3,676 |
| Loan and lease loss provision to assets | 0.0266% | 3,606 |
| Net operating income to assets | 0.9005% | 2,876 |
| Return on assets (ROA) | 0.8997% | 3,001 |
| Pretax return on assets | 1.3853% | 2,047 |
| Return on Equity (ROE) | 8.3650% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.3650% | 1,134 |
| Net charge-offs to loans | 0.0189% | 3,319 |
| Credit loss provision to net charge-offs | 214.5923% | 1,156 |
| Earnings coverage of net charge-offs (x) | 114.1931% | 546 |
| Efficiency ratio | 63.8005% | 4,390 |
| Assets per employee ($millions) | 5.5066% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 1,168 |
| Loan loss allowance to noncurrent loans | 565.3359% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 4,958 |
| Noncurrent loans to loans | 0.3357% | 4,484 |
| Net loans and leases to total assets | 64.5503% | 3,188 |
| Net loans and leases to deposits | 78.2724% | 2,996 |
| Net loans and leases to core deposits | 79.3857% | 3,454 |
| Total domestic deposits to total assets | 82.4688% | 4,134 |
| Equity capital to assets | 11.0943% | 2,787 |
| Core capital (leverage) ratio | 10.3501% | 3,144 |
| Tier 1 risk-based capital ratio | 14.0253% | 3,908 |
| Total risk-based capital ratio | 15.3027% | 3,836 |
| Memoranda: | ||
| Average total assets | $3,766,209,330 | 239 |
| Average earning assets | $3,512,597,670 | 235 |
| Average equity | $405,094,330 | 248 |
| Average total loans | $2,471,705,670 | 251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,598 |
| Cost of funding earning assets | 0.1489% | 5,935 |
| Net interest margin | 3.0816% | 5,004 |
| Noninterest income to average assets | 1.2052% | 783 |
| Noninterest expense to average assets | 2.7845% | 3,302 |
| Loan and lease loss provision to assets | 0.0535% | 2,869 |
| Net operating income to assets | 0.8169% | 3,173 |
| Return on assets (ROA) | 0.8170% | 3,301 |
| Pretax return on assets | 1.2462% | 2,486 |
| Return on Equity (ROE) | 7.7199% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.7199% | 1,678 |
| Net charge-offs to loans | 0.0491% | 2,297 |
| Credit loss provision to net charge-offs | 166.1130% | 1,183 |
| Earnings coverage of net charge-offs (x) | 40.3522% | 967 |
| Efficiency ratio | 66.5531% | 4,061 |
| Assets per employee ($millions) | 5.3800% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 1,244 |
| Loan loss allowance to noncurrent loans | 458.5892% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 4,842 |
| Noncurrent loans to loans | 0.4182% | 4,336 |
| Net loans and leases to total assets | 62.9182% | 3,246 |
| Net loans and leases to deposits | 76.0888% | 3,045 |
| Net loans and leases to core deposits | 77.2972% | 3,449 |
| Total domestic deposits to total assets | 82.6905% | 4,282 |
| Equity capital to assets | 10.7788% | 3,220 |
| Core capital (leverage) ratio | 10.2481% | 3,282 |
| Tier 1 risk-based capital ratio | 14.1601% | 3,906 |
| Total risk-based capital ratio | 15.4372% | 3,818 |
| Memoranda: | ||
| Average total assets | $3,738,514,000 | 239 |
| Average earning assets | $3,492,644,500 | 233 |
| Average equity | $395,651,000 | 251 |
| Average total loans | $2,450,270,500 | 248 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3413% | 5,635 |
| Cost of funding earning assets | 0.1648% | 6,013 |
| Net interest margin | 3.1766% | 4,998 |
| Noninterest income to average assets | 1.1538% | 906 |
| Noninterest expense to average assets | 2.6411% | 4,080 |
| Loan and lease loss provision to assets | 0.0573% | 3,393 |
| Net operating income to assets | 0.9023% | 2,860 |
| Return on assets (ROA) | 0.9168% | 2,890 |
| Pretax return on assets | 1.4153% | 1,831 |
| Return on Equity (ROE) | 7.8915% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.8915% | 1,058 |
| Net charge-offs to loans | 0.0907% | 3,202 |
| Credit loss provision to net charge-offs | 94.6074% | 2,546 |
| Earnings coverage of net charge-offs (x) | 23.9399% | 1,562 |
| Efficiency ratio | 62.9161% | 4,768 |
| Assets per employee ($millions) | 5.1404% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 1,175 |
| Loan loss allowance to noncurrent loans | 526.6704% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 5,026 |
| Noncurrent loans to loans | 0.3730% | 4,531 |
| Net loans and leases to total assets | 65.7218% | 2,940 |
| Net loans and leases to deposits | 79.9437% | 2,721 |
| Net loans and leases to core deposits | 80.6085% | 3,225 |
| Total domestic deposits to total assets | 82.2101% | 4,344 |
| Equity capital to assets | 10.3727% | 3,638 |
| Core capital (leverage) ratio | 10.0987% | 3,438 |
| Tier 1 risk-based capital ratio | 13.6609% | 4,318 |
| Total risk-based capital ratio | 14.9422% | 4,235 |
| Memoranda: | ||
| Average total assets | $3,489,482,200 | 239 |
| Average earning assets | $3,226,993,200 | 234 |
| Average equity | $405,384,400 | 235 |
| Average total loans | $2,329,521,000 | 243 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3481% | 5,678 |
| Cost of funding earning assets | 0.1688% | 6,071 |
| Net interest margin | 3.1793% | 5,029 |
| Noninterest income to average assets | 1.1641% | 888 |
| Noninterest expense to average assets | 2.6253% | 4,110 |
| Loan and lease loss provision to assets | 0.0770% | 2,801 |
| Net operating income to assets | 0.9184% | 2,826 |
| Return on assets (ROA) | 0.9194% | 2,917 |
| Pretax return on assets | 1.3976% | 2,015 |
| Return on Equity (ROE) | 7.6997% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.6997% | 1,493 |
| Net charge-offs to loans | 0.1475% | 2,314 |
| Credit loss provision to net charge-offs | 78.3392% | 2,626 |
| Earnings coverage of net charge-offs (x) | 14.9781% | 2,094 |
| Efficiency ratio | 62.3920% | 4,831 |
| Assets per employee ($millions) | 4.9359% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9754% | 1,301 |
| Loan loss allowance to noncurrent loans | 537.5486% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 5,225 |
| Noncurrent loans to loans | 0.3675% | 4,812 |
| Net loans and leases to total assets | 67.4241% | 2,621 |
| Net loans and leases to deposits | 82.3837% | 2,377 |
| Net loans and leases to core deposits | 83.1418% | 2,979 |
| Total domestic deposits to total assets | 81.8416% | 4,535 |
| Equity capital to assets | 12.2979% | 1,828 |
| Core capital (leverage) ratio | 11.7882% | 1,843 |
| Tier 1 risk-based capital ratio | 15.7709% | 3,172 |
| Total risk-based capital ratio | 17.0583% | 3,099 |
| Memoranda: | ||
| Average total assets | $3,460,996,000 | 237 |
| Average earning assets | $3,194,285,750 | 232 |
| Average equity | $413,287,250 | 230 |
| Average total loans | $2,307,978,750 | 244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 5,773 |
| Cost of funding earning assets | 0.1719% | 6,122 |
| Net interest margin | 3.1390% | 5,127 |
| Noninterest income to average assets | 1.1829% | 837 |
| Noninterest expense to average assets | 2.6217% | 4,164 |
| Loan and lease loss provision to assets | 0.1156% | 2,109 |
| Net operating income to assets | 0.8854% | 2,886 |
| Return on assets (ROA) | 0.8869% | 2,970 |
| Pretax return on assets | 1.3393% | 2,119 |
| Return on Equity (ROE) | 7.5022% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.5022% | 1,518 |
| Net charge-offs to loans | 0.1873% | 1,910 |
| Credit loss provision to net charge-offs | 93.5016% | 2,124 |
| Earnings coverage of net charge-offs (x) | 11.7522% | 2,125 |
| Efficiency ratio | 62.6385% | 4,917 |
| Assets per employee ($millions) | 4.8198% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 1,292 |
| Loan loss allowance to noncurrent loans | 413.6043% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 4,905 |
| Noncurrent loans to loans | 0.4934% | 4,513 |
| Net loans and leases to total assets | 66.1556% | 2,727 |
| Net loans and leases to deposits | 79.4247% | 2,594 |
| Net loans and leases to core deposits | 80.1148% | 3,198 |
| Total domestic deposits to total assets | 83.2935% | 4,192 |
| Equity capital to assets | 12.1668% | 1,873 |
| Core capital (leverage) ratio | 11.4780% | 2,020 |
| Tier 1 risk-based capital ratio | 15.5021% | 3,351 |
| Total risk-based capital ratio | 16.7903% | 3,286 |
| Memoranda: | ||
| Average total assets | $3,461,315,000 | 233 |
| Average earning assets | $3,188,174,000 | 231 |
| Average equity | $409,212,670 | 228 |
| Average total loans | $2,284,000,000 | 242 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2780% | 5,888 |
| Cost of funding earning assets | 0.1753% | 6,198 |
| Net interest margin | 3.1027% | 5,243 |
| Noninterest income to average assets | 1.1934% | 778 |
| Noninterest expense to average assets | 2.6169% | 4,216 |
| Loan and lease loss provision to assets | 0.1152% | 2,036 |
| Net operating income to assets | 0.8711% | 2,785 |
| Return on assets (ROA) | 0.8744% | 2,842 |
| Pretax return on assets | 1.3230% | 2,019 |
| Return on Equity (ROE) | 7.5042% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.5042% | 1,819 |
| Net charge-offs to loans | 0.2016% | 1,533 |
| Credit loss provision to net charge-offs | 87.6424% | 1,823 |
| Earnings coverage of net charge-offs (x) | 10.9010% | 1,817 |
| Efficiency ratio | 62.8770% | 5,014 |
| Assets per employee ($millions) | 4.8362% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 1,284 |
| Loan loss allowance to noncurrent loans | 330.7252% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 4,760 |
| Noncurrent loans to loans | 0.6423% | 4,255 |
| Net loans and leases to total assets | 62.9304% | 3,082 |
| Net loans and leases to deposits | 74.5424% | 3,002 |
| Net loans and leases to core deposits | 75.2145% | 3,502 |
| Total domestic deposits to total assets | 84.4223% | 4,114 |
| Equity capital to assets | 11.7640% | 2,043 |
| Core capital (leverage) ratio | 11.0429% | 2,345 |
| Tier 1 risk-based capital ratio | 15.4379% | 3,474 |
| Total risk-based capital ratio | 16.7267% | 3,411 |
| Memoranda: | ||
| Average total assets | $3,471,302,500 | 233 |
| Average earning assets | $3,196,082,000 | 230 |
| Average equity | $404,469,000 | 231 |
| Average total loans | $2,263,966,000 | 241 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 5,886 |
| Cost of funding earning assets | 0.2306% | 6,091 |
| Net interest margin | 3.1453% | 5,178 |
| Noninterest income to average assets | 1.2537% | 885 |
| Noninterest expense to average assets | 2.8107% | 3,683 |
| Loan and lease loss provision to assets | 0.2139% | 1,712 |
| Net operating income to assets | 0.7441% | 3,584 |
| Return on assets (ROA) | 0.7533% | 3,626 |
| Pretax return on assets | 1.1246% | 2,867 |
| Return on Equity (ROE) | 6.5859% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.5859% | 1,638 |
| Net charge-offs to loans | 0.3665% | 1,849 |
| Credit loss provision to net charge-offs | 94.3990% | 2,643 |
| Earnings coverage of net charge-offs (x) | 5.8466% | 3,193 |
| Efficiency ratio | 66.2005% | 4,522 |
| Assets per employee ($millions) | 4.4376% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0724% | 1,390 |
| Loan loss allowance to noncurrent loans | 274.0192% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 4,579 |
| Noncurrent loans to loans | 0.7563% | 4,078 |
| Net loans and leases to total assets | 64.7727% | 2,909 |
| Net loans and leases to deposits | 78.0790% | 2,715 |
| Net loans and leases to core deposits | 78.8693% | 3,258 |
| Total domestic deposits to total assets | 82.9579% | 4,559 |
| Equity capital to assets | 11.5395% | 2,137 |
| Core capital (leverage) ratio | 10.6599% | 2,720 |
| Tier 1 risk-based capital ratio | 14.8826% | 3,730 |
| Total risk-based capital ratio | 16.1733% | 3,662 |
| Memoranda: | ||
| Average total assets | $3,506,574,200 | 224 |
| Average earning assets | $3,212,689,200 | 218 |
| Average equity | $401,100,000 | 230 |
| Average total loans | $2,167,725,600 | 239 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 5,922 |
| Cost of funding earning assets | 0.2415% | 6,144 |
| Net interest margin | 3.1405% | 5,192 |
| Noninterest income to average assets | 1.3019% | 876 |
| Noninterest expense to average assets | 2.8205% | 3,592 |
| Loan and lease loss provision to assets | 0.2275% | 1,593 |
| Net operating income to assets | 0.7603% | 3,556 |
| Return on assets (ROA) | 0.7604% | 3,687 |
| Pretax return on assets | 1.1287% | 2,987 |
| Return on Equity (ROE) | 6.6621% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.6621% | 2,056 |
| Net charge-offs to loans | 0.3775% | 1,693 |
| Credit loss provision to net charge-offs | 99.2063% | 2,406 |
| Earnings coverage of net charge-offs (x) | 5.9127% | 3,078 |
| Efficiency ratio | 65.7853% | 4,525 |
| Assets per employee ($millions) | 4.6048% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 1,443 |
| Loan loss allowance to noncurrent loans | 256.6567% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 4,673 |
| Noncurrent loans to loans | 0.8304% | 4,173 |
| Net loans and leases to total assets | 63.6087% | 3,055 |
| Net loans and leases to deposits | 76.1467% | 2,944 |
| Net loans and leases to core deposits | 77.0155% | 3,494 |
| Total domestic deposits to total assets | 83.5343% | 4,365 |
| Equity capital to assets | 11.4345% | 2,349 |
| Core capital (leverage) ratio | 10.5587% | 2,942 |
| Tier 1 risk-based capital ratio | 14.7401% | 3,921 |
| Total risk-based capital ratio | 16.0394% | 3,842 |
| Memoranda: | ||
| Average total assets | $3,515,671,250 | 221 |
| Average earning assets | $3,218,205,500 | 217 |
| Average equity | $401,264,500 | 229 |
| Average total loans | $2,135,832,000 | 239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 5,973 |
| Cost of funding earning assets | 0.2555% | 6,136 |
| Net interest margin | 3.1129% | 5,238 |
| Noninterest income to average assets | 1.3158% | 900 |
| Noninterest expense to average assets | 2.8450% | 3,531 |
| Loan and lease loss provision to assets | 0.2264% | 1,668 |
| Net operating income to assets | 0.7261% | 3,688 |
| Return on assets (ROA) | 0.7261% | 3,854 |
| Pretax return on assets | 1.0929% | 3,119 |
| Return on Equity (ROE) | 6.3657% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.3657% | 2,221 |
| Net charge-offs to loans | 0.3357% | 1,844 |
| Credit loss provision to net charge-offs | 113.6041% | 1,946 |
| Earnings coverage of net charge-offs (x) | 6.6194% | 2,687 |
| Efficiency ratio | 66.5783% | 4,436 |
| Assets per employee ($millions) | 4.4651% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 1,342 |
| Loan loss allowance to noncurrent loans | 230.4158% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 4,526 |
| Noncurrent loans to loans | 0.9747% | 3,987 |
| Net loans and leases to total assets | 61.4662% | 3,393 |
| Net loans and leases to deposits | 73.3141% | 3,250 |
| Net loans and leases to core deposits | 74.1449% | 3,789 |
| Total domestic deposits to total assets | 83.8395% | 4,387 |
| Equity capital to assets | 11.3021% | 2,463 |
| Core capital (leverage) ratio | 9.9530% | 3,582 |
| Tier 1 risk-based capital ratio | 14.8455% | 3,877 |
| Total risk-based capital ratio | 16.1450% | 3,814 |
| Memoranda: | ||
| Average total assets | $3,533,295,000 | 221 |
| Average earning assets | $3,233,299,000 | 216 |
| Average equity | $403,034,670 | 228 |
| Average total loans | $2,097,574,330 | 243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 6,153 |
| Cost of funding earning assets | 0.2712% | 6,150 |
| Net interest margin | 3.0297% | 5,485 |
| Noninterest income to average assets | 1.3436% | 850 |
| Noninterest expense to average assets | 2.8796% | 3,424 |
| Loan and lease loss provision to assets | 0.2233% | 1,649 |
| Net operating income to assets | 0.6760% | 3,805 |
| Return on assets (ROA) | 0.6760% | 3,965 |
| Pretax return on assets | 1.0126% | 3,293 |
| Return on Equity (ROE) | 5.8999% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.8999% | 2,737 |
| Net charge-offs to loans | 0.4333% | 1,370 |
| Credit loss provision to net charge-offs | 89.3256% | 2,037 |
| Earnings coverage of net charge-offs (x) | 4.9446% | 2,442 |
| Efficiency ratio | 68.2336% | 4,266 |
| Assets per employee ($millions) | 4.5668% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3184% | 1,382 |
| Loan loss allowance to noncurrent loans | 205.8737% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 4,599 |
| Noncurrent loans to loans | 1.1261% | 3,902 |
| Net loans and leases to total assets | 56.1482% | 4,059 |
| Net loans and leases to deposits | 66.1568% | 4,033 |
| Net loans and leases to core deposits | 66.9069% | 4,423 |
| Total domestic deposits to total assets | 84.8713% | 4,105 |
| Equity capital to assets | 10.8263% | 3,172 |
| Core capital (leverage) ratio | 9.7746% | 3,692 |
| Tier 1 risk-based capital ratio | 15.3132% | 3,646 |
| Total risk-based capital ratio | 16.6110% | 3,569 |
| Memoranda: | ||
| Average total assets | $3,583,096,000 | 222 |
| Average earning assets | $3,278,212,500 | 218 |
| Average equity | $410,512,500 | 229 |
| Average total loans | $2,066,836,000 | 250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 6,056 |
| Cost of funding earning assets | 0.4254% | 5,748 |
| Net interest margin | 3.2735% | 5,346 |
| Noninterest income to average assets | 1.3225% | 881 |
| Noninterest expense to average assets | 3.0200% | 3,202 |
| Loan and lease loss provision to assets | 0.4751% | 1,298 |
| Net operating income to assets | 0.5474% | 4,492 |
| Return on assets (ROA) | 0.5787% | 4,601 |
| Pretax return on assets | 0.8462% | 4,123 |
| Return on Equity (ROE) | 4.7414% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.7414% | 2,889 |
| Net charge-offs to loans | 1.3249% | 723 |
| Credit loss provision to net charge-offs | 61.1247% | 4,416 |
| Earnings coverage of net charge-offs (x) | 1.6407% | 4,625 |
| Efficiency ratio | 68.5013% | 4,059 |
| Assets per employee ($millions) | 4.3305% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 1,344 |
| Loan loss allowance to noncurrent loans | 189.3218% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 4,489 |
| Noncurrent loans to loans | 1.2233% | 3,801 |
| Net loans and leases to total assets | 56.5447% | 4,195 |
| Net loans and leases to deposits | 67.8898% | 4,003 |
| Net loans and leases to core deposits | 68.7349% | 4,458 |
| Total domestic deposits to total assets | 83.2889% | 4,607 |
| Equity capital to assets | 12.0882% | 1,989 |
| Core capital (leverage) ratio | 10.9875% | 2,266 |
| Tier 1 risk-based capital ratio | 16.8531% | 2,722 |
| Total risk-based capital ratio | 18.1438% | 2,666 |
| Memoranda: | ||
| Average total assets | $3,472,900,800 | 223 |
| Average earning assets | $3,153,862,600 | 218 |
| Average equity | $423,861,200 | 221 |
| Average total loans | $2,037,455,800 | 241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 6,121 |
| Cost of funding earning assets | 0.4596% | 5,727 |
| Net interest margin | 3.2942% | 5,411 |
| Noninterest income to average assets | 1.3176% | 849 |
| Noninterest expense to average assets | 2.9487% | 3,412 |
| Loan and lease loss provision to assets | 0.5030% | 1,219 |
| Net operating income to assets | 0.5885% | 4,443 |
| Return on assets (ROA) | 0.6038% | 4,643 |
| Pretax return on assets | 0.8805% | 4,192 |
| Return on Equity (ROE) | 4.9351% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.9351% | 3,409 |
| Net charge-offs to loans | 1.4652% | 602 |
| Credit loss provision to net charge-offs | 58.3143% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.5782% | 4,492 |
| Efficiency ratio | 66.6020% | 4,331 |
| Assets per employee ($millions) | 4.3142% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4181% | 1,323 |
| Loan loss allowance to noncurrent loans | 195.3827% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 4,375 |
| Noncurrent loans to loans | 1.2376% | 3,980 |
| Net loans and leases to total assets | 57.0436% | 4,288 |
| Net loans and leases to deposits | 68.6087% | 4,083 |
| Net loans and leases to core deposits | 69.5261% | 4,557 |
| Total domestic deposits to total assets | 83.1434% | 4,586 |
| Equity capital to assets | 12.3782% | 1,977 |
| Core capital (leverage) ratio | 11.0096% | 2,373 |
| Tier 1 risk-based capital ratio | 16.8051% | 2,834 |
| Total risk-based capital ratio | 18.0947% | 2,771 |
| Memoranda: | ||
| Average total assets | $3,445,803,000 | 226 |
| Average earning assets | $3,130,252,250 | 220 |
| Average equity | $421,598,500 | 225 |
| Average total loans | $2,028,559,250 | 244 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 6,146 |
| Cost of funding earning assets | 0.4917% | 5,675 |
| Net interest margin | 3.3053% | 5,423 |
| Noninterest income to average assets | 1.3459% | 792 |
| Noninterest expense to average assets | 2.8913% | 3,658 |
| Loan and lease loss provision to assets | 0.5533% | 1,109 |
| Net operating income to assets | 0.6222% | 4,266 |
| Return on assets (ROA) | 0.6248% | 4,500 |
| Pretax return on assets | 0.9056% | 4,058 |
| Return on Equity (ROE) | 5.1266% | 4,745 |
| Retained earnings to average equity (ytd only) | 5.1266% | 3,204 |
| Net charge-offs to loans | 1.6917% | 540 |
| Credit loss provision to net charge-offs | 55.4259% | 3,915 |
| Earnings coverage of net charge-offs (x) | 1.4576% | 4,269 |
| Efficiency ratio | 64.7183% | 4,760 |
| Assets per employee ($millions) | 4.3255% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5159% | 1,262 |
| Loan loss allowance to noncurrent loans | 150.4155% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 4,093 |
| Noncurrent loans to loans | 1.6726% | 3,389 |
| Net loans and leases to total assets | 56.7442% | 4,360 |
| Net loans and leases to deposits | 68.0060% | 4,202 |
| Net loans and leases to core deposits | 68.9341% | 4,677 |
| Total domestic deposits to total assets | 83.4400% | 4,556 |
| Equity capital to assets | 12.2194% | 1,993 |
| Core capital (leverage) ratio | 10.6689% | 2,640 |
| Tier 1 risk-based capital ratio | 16.8410% | 2,743 |
| Total risk-based capital ratio | 18.1329% | 2,684 |
| Memoranda: | ||
| Average total assets | $3,433,880,670 | 227 |
| Average earning assets | $3,117,211,330 | 220 |
| Average equity | $418,480,000 | 225 |
| Average total loans | $2,026,337,000 | 246 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 6,067 |
| Cost of funding earning assets | 0.5237% | 5,653 |
| Net interest margin | 3.3576% | 5,271 |
| Noninterest income to average assets | 1.3739% | 768 |
| Noninterest expense to average assets | 2.7362% | 4,296 |
| Loan and lease loss provision to assets | 0.5858% | 980 |
| Net operating income to assets | 0.7373% | 3,696 |
| Return on assets (ROA) | 0.7374% | 3,931 |
| Pretax return on assets | 1.0947% | 3,345 |
| Return on Equity (ROE) | 6.0591% | 4,253 |
| Retained earnings to average equity (ytd only) | 6.0591% | 2,919 |
| Net charge-offs to loans | 1.9069% | 502 |
| Credit loss provision to net charge-offs | 51.7010% | 3,249 |
| Earnings coverage of net charge-offs (x) | 1.4831% | 3,581 |
| Efficiency ratio | 60.1666% | 5,589 |
| Assets per employee ($millions) | 4.3588% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6837% | 1,134 |
| Loan loss allowance to noncurrent loans | 157.7536% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 4,175 |
| Noncurrent loans to loans | 1.7012% | 3,559 |
| Net loans and leases to total assets | 56.0541% | 4,376 |
| Net loans and leases to deposits | 67.7051% | 4,114 |
| Net loans and leases to core deposits | 68.6584% | 4,604 |
| Total domestic deposits to total assets | 82.7915% | 5,014 |
| Equity capital to assets | 12.0192% | 2,025 |
| Core capital (leverage) ratio | 10.6377% | 2,610 |
| Tier 1 risk-based capital ratio | 16.7097% | 2,807 |
| Total risk-based capital ratio | 18.0042% | 2,741 |
| Memoranda: | ||
| Average total assets | $3,414,125,000 | 228 |
| Average earning assets | $3,093,891,000 | 218 |
| Average equity | $415,507,000 | 224 |
| Average total loans | $2,028,599,000 | 239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 5,828 |
| Cost of funding earning assets | 0.6604% | 5,767 |
| Net interest margin | 3.6173% | 4,666 |
| Noninterest income to average assets | 1.2836% | 781 |
| Noninterest expense to average assets | 2.6555% | 4,903 |
| Loan and lease loss provision to assets | 0.5827% | 1,775 |
| Net operating income to assets | 0.8690% | 2,739 |
| Return on assets (ROA) | 0.8723% | 2,868 |
| Pretax return on assets | 1.3154% | 2,068 |
| Return on Equity (ROE) | 7.5538% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.5538% | 1,251 |
| Net charge-offs to loans | 1.7186% | 883 |
| Credit loss provision to net charge-offs | 53.2879% | 5,340 |
| Earnings coverage of net charge-offs (x) | 1.7314% | 4,475 |
| Efficiency ratio | 56.5341% | 6,247 |
| Assets per employee ($millions) | 4.2947% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 926 |
| Loan loss allowance to noncurrent loans | 151.9123% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 3,987 |
| Noncurrent loans to loans | 1.8776% | 3,369 |
| Net loans and leases to total assets | 59.5615% | 4,068 |
| Net loans and leases to deposits | 72.0048% | 3,793 |
| Net loans and leases to core deposits | 73.7976% | 4,269 |
| Total domestic deposits to total assets | 82.7188% | 4,870 |
| Equity capital to assets | 12.3275% | 1,894 |
| Core capital (leverage) ratio | 10.6015% | 2,618 |
| Tier 1 risk-based capital ratio | 15.9716% | 3,063 |
| Total risk-based capital ratio | 17.2669% | 2,998 |
| Memoranda: | ||
| Average total assets | $3,432,556,200 | 224 |
| Average earning assets | $3,098,243,000 | 216 |
| Average equity | $396,370,600 | 220 |
| Average total loans | $2,183,899,200 | 220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 5,836 |
| Cost of funding earning assets | 0.6856% | 5,848 |
| Net interest margin | 3.6477% | 4,577 |
| Noninterest income to average assets | 1.2676% | 804 |
| Noninterest expense to average assets | 2.5733% | 5,182 |
| Loan and lease loss provision to assets | 0.5790% | 1,698 |
| Net operating income to assets | 0.9356% | 2,589 |
| Return on assets (ROA) | 0.9355% | 2,752 |
| Pretax return on assets | 1.4093% | 1,919 |
| Return on Equity (ROE) | 8.2362% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.2362% | 1,414 |
| Net charge-offs to loans | 1.6311% | 859 |
| Credit loss provision to net charge-offs | 55.3036% | 4,919 |
| Earnings coverage of net charge-offs (x) | 1.8993% | 4,238 |
| Efficiency ratio | 54.5823% | 6,432 |
| Assets per employee ($millions) | 4.2510% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0448% | 834 |
| Loan loss allowance to noncurrent loans | 148.7329% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.5715% | 3,736 |
| Noncurrent loans to loans | 2.0472% | 3,306 |
| Net loans and leases to total assets | 61.0666% | 3,929 |
| Net loans and leases to deposits | 73.7270% | 3,692 |
| Net loans and leases to core deposits | 75.6597% | 4,233 |
| Total domestic deposits to total assets | 82.8280% | 4,750 |
| Equity capital to assets | 12.1999% | 2,100 |
| Core capital (leverage) ratio | 10.4888% | 2,882 |
| Tier 1 risk-based capital ratio | 15.6087% | 3,328 |
| Total risk-based capital ratio | 16.9038% | 3,275 |
| Memoranda: | ||
| Average total assets | $3,454,301,500 | 219 |
| Average earning assets | $3,119,407,500 | 214 |
| Average equity | $392,357,000 | 223 |
| Average total loans | $2,217,078,750 | 218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 5,850 |
| Cost of funding earning assets | 0.7137% | 5,878 |
| Net interest margin | 3.6343% | 4,583 |
| Noninterest income to average assets | 1.2568% | 800 |
| Noninterest expense to average assets | 2.5367% | 5,409 |
| Loan and lease loss provision to assets | 0.5723% | 1,693 |
| Net operating income to assets | 0.9608% | 2,389 |
| Return on assets (ROA) | 0.9607% | 2,491 |
| Pretax return on assets | 1.4321% | 1,717 |
| Return on Equity (ROE) | 8.6623% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.6623% | 1,217 |
| Net charge-offs to loans | 1.4810% | 1,003 |
| Credit loss provision to net charge-offs | 59.8480% | 4,345 |
| Earnings coverage of net charge-offs (x) | 2.0962% | 3,805 |
| Efficiency ratio | 54.0446% | 6,617 |
| Assets per employee ($millions) | 4.5067% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1978% | 766 |
| Loan loss allowance to noncurrent loans | 128.9362% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.7592% | 3,560 |
| Noncurrent loans to loans | 2.4801% | 2,906 |
| Net loans and leases to total assets | 61.5170% | 3,983 |
| Net loans and leases to deposits | 73.6263% | 3,861 |
| Net loans and leases to core deposits | 75.6776% | 4,356 |
| Total domestic deposits to total assets | 83.5530% | 4,531 |
| Equity capital to assets | 11.6497% | 2,364 |
| Core capital (leverage) ratio | 10.0037% | 3,257 |
| Tier 1 risk-based capital ratio | 14.9762% | 3,504 |
| Total risk-based capital ratio | 16.2815% | 3,450 |
| Memoranda: | ||
| Average total assets | $3,494,809,000 | 222 |
| Average earning assets | $3,158,281,330 | 215 |
| Average equity | $387,610,330 | 224 |
| Average total loans | $2,256,395,000 | 217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 5,804 |
| Cost of funding earning assets | 0.7348% | 5,952 |
| Net interest margin | 3.6312% | 4,422 |
| Noninterest income to average assets | 1.3553% | 701 |
| Noninterest expense to average assets | 2.5437% | 5,411 |
| Loan and lease loss provision to assets | 0.5655% | 1,527 |
| Net operating income to assets | 1.0487% | 2,004 |
| Return on assets (ROA) | 1.0485% | 2,058 |
| Pretax return on assets | 1.5241% | 1,379 |
| Return on Equity (ROE) | 9.6892% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.6892% | 1,183 |
| Net charge-offs to loans | 1.0761% | 1,276 |
| Credit loss provision to net charge-offs | 80.7885% | 3,144 |
| Earnings coverage of net charge-offs (x) | 2.9855% | 2,890 |
| Efficiency ratio | 53.1367% | 6,772 |
| Assets per employee ($millions) | 4.5291% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3525% | 686 |
| Loan loss allowance to noncurrent loans | 122.8886% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 3,386 |
| Noncurrent loans to loans | 2.7281% | 2,767 |
| Net loans and leases to total assets | 61.9532% | 3,865 |
| Net loans and leases to deposits | 75.4732% | 3,499 |
| Net loans and leases to core deposits | 77.9566% | 4,025 |
| Total domestic deposits to total assets | 82.0864% | 5,277 |
| Equity capital to assets | 11.1091% | 2,577 |
| Core capital (leverage) ratio | 9.4066% | 3,950 |
| Tier 1 risk-based capital ratio | 14.5753% | 3,690 |
| Total risk-based capital ratio | 15.8810% | 3,615 |
| Memoranda: | ||
| Average total assets | $3,536,419,500 | 218 |
| Average earning assets | $3,192,773,000 | 215 |
| Average equity | $382,696,000 | 222 |
| Average total loans | $2,300,575,500 | 214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 5,443 |
| Cost of funding earning assets | 1.1013% | 5,131 |
| Net interest margin | 3.6912% | 4,383 |
| Noninterest income to average assets | 1.3557% | 797 |
| Noninterest expense to average assets | 2.6226% | 5,325 |
| Loan and lease loss provision to assets | 1.1539% | 1,375 |
| Net operating income to assets | 0.6137% | 3,612 |
| Return on assets (ROA) | 0.6333% | 3,670 |
| Pretax return on assets | 0.9065% | 3,260 |
| Return on Equity (ROE) | 6.4519% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.4519% | 1,583 |
| Net charge-offs to loans | 2.5430% | 736 |
| Credit loss provision to net charge-offs | 63.5007% | 6,017 |
| Earnings coverage of net charge-offs (x) | 1.1185% | 4,990 |
| Efficiency ratio | 54.3276% | 6,774 |
| Assets per employee ($millions) | 4.6382% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2103% | 726 |
| Loan loss allowance to noncurrent loans | 111.6498% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 2.1520% | 3,153 |
| Noncurrent loans to loans | 2.8754% | 2,650 |
| Net loans and leases to total assets | 63.8589% | 3,904 |
| Net loans and leases to deposits | 76.4815% | 3,767 |
| Net loans and leases to core deposits | 80.2073% | 4,182 |
| Total domestic deposits to total assets | 83.4958% | 4,606 |
| Equity capital to assets | 10.5426% | 3,116 |
| Core capital (leverage) ratio | 9.1443% | 4,275 |
| Tier 1 risk-based capital ratio | 13.0182% | 4,583 |
| Total risk-based capital ratio | 14.3147% | 4,509 |
| Memoranda: | ||
| Average total assets | $3,639,858,800 | 215 |
| Average earning assets | $3,253,417,400 | 213 |
| Average equity | $357,273,600 | 227 |
| Average total loans | $2,600,937,600 | 201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 5,414 |
| Cost of funding earning assets | 1.1870% | 4,925 |
| Net interest margin | 3.6787% | 4,508 |
| Noninterest income to average assets | 1.2297% | 914 |
| Noninterest expense to average assets | 2.5910% | 5,362 |
| Loan and lease loss provision to assets | 1.1572% | 1,251 |
| Net operating income to assets | 0.5478% | 4,100 |
| Return on assets (ROA) | 0.5747% | 4,147 |
| Pretax return on assets | 0.8018% | 3,897 |
| Return on Equity (ROE) | 5.9639% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.9639% | 2,377 |
| Net charge-offs to loans | 2.4460% | 695 |
| Credit loss provision to net charge-offs | 64.9843% | 5,562 |
| Earnings coverage of net charge-offs (x) | 1.0791% | 4,975 |
| Efficiency ratio | 55.3477% | 6,640 |
| Assets per employee ($millions) | 4.5668% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3002% | 639 |
| Loan loss allowance to noncurrent loans | 104.2897% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 2.6054% | 2,775 |
| Noncurrent loans to loans | 3.1645% | 2,513 |
| Net loans and leases to total assets | 69.6027% | 2,829 |
| Net loans and leases to deposits | 83.2458% | 2,852 |
| Net loans and leases to core deposits | 87.8340% | 3,388 |
| Total domestic deposits to total assets | 83.6110% | 4,315 |
| Equity capital to assets | 10.3620% | 3,687 |
| Core capital (leverage) ratio | 8.4892% | 5,530 |
| Tier 1 risk-based capital ratio | 11.5605% | 5,871 |
| Total risk-based capital ratio | 12.8551% | 5,815 |
| Memoranda: | ||
| Average total assets | $3,652,340,250 | 213 |
| Average earning assets | $3,259,353,750 | 211 |
| Average equity | $351,974,250 | 225 |
| Average total loans | $2,659,039,750 | 194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 5,551 |
| Cost of funding earning assets | 1.2690% | 4,719 |
| Net interest margin | 3.5977% | 4,821 |
| Noninterest income to average assets | 1.2055% | 888 |
| Noninterest expense to average assets | 2.5244% | 5,632 |
| Loan and lease loss provision to assets | 1.1988% | 1,168 |
| Net operating income to assets | 0.5041% | 4,309 |
| Return on assets (ROA) | 0.5329% | 4,334 |
| Pretax return on assets | 0.7379% | 4,115 |
| Return on Equity (ROE) | 5.6642% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.6642% | 2,516 |
| Net charge-offs to loans | 2.2357% | 799 |
| Credit loss provision to net charge-offs | 73.3884% | 4,880 |
| Earnings coverage of net charge-offs (x) | 1.1611% | 4,636 |
| Efficiency ratio | 55.0158% | 6,761 |
| Assets per employee ($millions) | 4.7097% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5174% | 531 |
| Loan loss allowance to noncurrent loans | 104.9305% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 2.7864% | 2,595 |
| Noncurrent loans to loans | 3.3521% | 2,385 |
| Net loans and leases to total assets | 68.9685% | 3,138 |
| Net loans and leases to deposits | 81.9904% | 3,275 |
| Net loans and leases to core deposits | 87.7384% | 3,581 |
| Total domestic deposits to total assets | 84.1178% | 4,057 |
| Equity capital to assets | 9.7029% | 4,404 |
| Core capital (leverage) ratio | 8.0294% | 6,234 |
| Tier 1 risk-based capital ratio | 10.9777% | 6,255 |
| Total risk-based capital ratio | 12.2724% | 6,202 |
| Memoranda: | ||
| Average total assets | $3,703,719,330 | 209 |
| Average earning assets | $3,310,265,670 | 205 |
| Average equity | $348,470,670 | 227 |
| Average total loans | $2,706,073,000 | 190 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 5,574 |
| Cost of funding earning assets | 1.3096% | 4,759 |
| Net interest margin | 3.5674% | 4,868 |
| Noninterest income to average assets | 1.2712% | 749 |
| Noninterest expense to average assets | 2.4092% | 6,053 |
| Loan and lease loss provision to assets | 1.5792% | 735 |
| Net operating income to assets | 0.3779% | 4,940 |
| Return on assets (ROA) | 0.4416% | 4,783 |
| Pretax return on assets | 0.5552% | 4,767 |
| Return on Equity (ROE) | 4.7672% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.7672% | 3,287 |
| Net charge-offs to loans | 2.9024% | 533 |
| Credit loss provision to net charge-offs | 73.6842% | 4,017 |
| Earnings coverage of net charge-offs (x) | 0.9587% | 4,196 |
| Efficiency ratio | 51.9192% | 7,165 |
| Assets per employee ($millions) | 4.5786% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5075% | 543 |
| Loan loss allowance to noncurrent loans | 94.2261% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 3.2517% | 2,204 |
| Noncurrent loans to loans | 3.7224% | 2,137 |
| Net loans and leases to total assets | 71.2090% | 2,646 |
| Net loans and leases to deposits | 84.8016% | 2,800 |
| Net loans and leases to core deposits | 91.4913% | 3,170 |
| Total domestic deposits to total assets | 83.9712% | 4,160 |
| Equity capital to assets | 9.4650% | 4,590 |
| Core capital (leverage) ratio | 7.8422% | 6,447 |
| Tier 1 risk-based capital ratio | 10.4224% | 6,703 |
| Total risk-based capital ratio | 11.7202% | 6,651 |
| Memoranda: | ||
| Average total assets | $3,723,503,000 | 212 |
| Average earning assets | $3,332,425,500 | 209 |
| Average equity | $344,942,000 | 233 |
| Average total loans | $2,749,489,000 | 197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 6,444 |
| Cost of funding earning assets | 1.7963% | 4,011 |
| Net interest margin | 3.2001% | 6,093 |
| Noninterest income to average assets | 1.2043% | 1,064 |
| Noninterest expense to average assets | 7.4074% | 182 |
| Loan and lease loss provision to assets | 6.0213% | 111 |
| Net operating income to assets | -7.6131% | 7,919 |
| Return on assets (ROA) | -7.6120% | 7,912 |
| Pretax return on assets | -9.3964% | 7,959 |
| Return on Equity (ROE) | -66.3459% | 7,790 |
| Retained earnings to average equity (ytd only) | -68.2657% | 7,796 |
| Net charge-offs to loans | 8.0767% | 79 |
| Credit loss provision to net charge-offs | 100.6032% | 5,482 |
| Earnings coverage of net charge-offs (x) | -0.5641% | 6,731 |
| Efficiency ratio | 59.9477% | 6,501 |
| Assets per employee ($millions) | 4.6951% | 2,620 |
| Cash dividends to net income (ytd only)* | -2.8936% | 7,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5874% | 498 |
| Loan loss allowance to noncurrent loans | 116.0836% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 2.7381% | 2,551 |
| Noncurrent loans to loans | 3.0904% | 2,473 |
| Net loans and leases to total assets | 71.2337% | 2,944 |
| Net loans and leases to deposits | 84.8667% | 3,107 |
| Net loans and leases to core deposits | 98.4949% | 4,177 |
| Total domestic deposits to total assets | 83.9360% | 4,053 |
| Equity capital to assets | 9.0688% | 5,034 |
| Core capital (leverage) ratio | 7.3667% | 6,918 |
| Tier 1 risk-based capital ratio | 9.8389% | 6,992 |
| Total risk-based capital ratio | 11.1345% | 6,939 |
| Memoranda: | ||
| Average total assets | $4,176,805,600 | 201 |
| Average earning assets | $3,689,497,800 | 204 |
| Average equity | $479,213,000 | 188 |
| Average total loans | $3,095,224,600 | 189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 6,699 |
| Cost of funding earning assets | 1.8822% | 3,975 |
| Net interest margin | 3.0875% | 6,345 |
| Noninterest income to average assets | 1.1927% | 1,088 |
| Noninterest expense to average assets | 8.7257% | 129 |
| Loan and lease loss provision to assets | 6.1581% | 100 |
| Net operating income to assets | -9.1233% | 8,030 |
| Return on assets (ROA) | -9.1216% | 8,030 |
| Pretax return on assets | -10.9697% | 8,052 |
| Return on Equity (ROE) | -75.9848% | 7,949 |
| Retained earnings to average equity (ytd only) | -78.3744% | 7,953 |
| Net charge-offs to loans | 7.4067% | 95 |
| Credit loss provision to net charge-offs | 112.1204% | 4,525 |
| Earnings coverage of net charge-offs (x) | -0.8764% | 6,606 |
| Efficiency ratio | 57.6276% | 6,771 |
| Assets per employee ($millions) | 4.9595% | 2,199 |
| Cash dividends to net income (ytd only)* | -3.1448% | 7,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9957% | 301 |
| Loan loss allowance to noncurrent loans | 69.5758% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 4.8052% | 1,230 |
| Noncurrent loans to loans | 5.7430% | 1,063 |
| Net loans and leases to total assets | 73.1379% | 2,756 |
| Net loans and leases to deposits | 87.8186% | 3,001 |
| Net loans and leases to core deposits | 102.9182% | 4,061 |
| Total domestic deposits to total assets | 83.2829% | 4,074 |
| Equity capital to assets | 8.8904% | 5,649 |
| Core capital (leverage) ratio | 7.5732% | 6,891 |
| Tier 1 risk-based capital ratio | 10.3039% | 6,678 |
| Total risk-based capital ratio | 11.5990% | 6,568 |
| Memoranda: | ||
| Average total assets | $4,276,118,750 | 204 |
| Average earning assets | $3,766,247,250 | 208 |
| Average equity | $513,326,500 | 184 |
| Average total loans | $3,170,907,250 | 193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 6,838 |
| Cost of funding earning assets | 1.8644% | 4,444 |
| Net interest margin | 3.1146% | 6,189 |
| Noninterest income to average assets | 0.9293% | 1,845 |
| Noninterest expense to average assets | 2.0145% | 7,438 |
| Loan and lease loss provision to assets | 2.4300% | 649 |
| Net operating income to assets | -0.3803% | 6,425 |
| Return on assets (ROA) | -0.3780% | 6,432 |
| Pretax return on assets | -0.7768% | 6,669 |
| Return on Equity (ROE) | -2.8997% | 6,350 |
| Retained earnings to average equity (ytd only) | -5.2999% | 6,347 |
| Net charge-offs to loans | 3.9684% | 357 |
| Credit loss provision to net charge-offs | 84.3257% | 5,080 |
| Earnings coverage of net charge-offs (x) | 0.5724% | 5,138 |
| Efficiency ratio | 53.0501% | 7,428 |
| Assets per employee ($millions) | 5.8005% | 1,343 |
| Cash dividends to net income (ytd only)* | -82.7770% | 8,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5236% | 877 |
| Loan loss allowance to noncurrent loans | 76.2432% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.6670% | 2,406 |
| Noncurrent loans to loans | 3.3099% | 2,130 |
| Net loans and leases to total assets | 71.4702% | 3,357 |
| Net loans and leases to deposits | 91.7744% | 2,507 |
| Net loans and leases to core deposits | 106.8458% | 3,739 |
| Total domestic deposits to total assets | 77.8760% | 6,112 |
| Equity capital to assets | 13.7358% | 1,408 |
| Core capital (leverage) ratio | 8.1212% | 6,123 |
| Tier 1 risk-based capital ratio | 10.3706% | 6,509 |
| Total risk-based capital ratio | 11.6506% | 6,418 |
| Memoranda: | ||
| Average total assets | $3,963,015,670 | 224 |
| Average earning assets | $3,479,619,330 | 224 |
| Average equity | $516,610,000 | 185 |
| Average total loans | $2,877,752,000 | 212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 7,177 |
| Cost of funding earning assets | 1.9050% | 4,603 |
| Net interest margin | 2.9954% | 6,488 |
| Noninterest income to average assets | 0.9642% | 1,590 |
| Noninterest expense to average assets | 1.8150% | 7,683 |
| Loan and lease loss provision to assets | 0.9101% | 1,439 |
| Net operating income to assets | 0.6534% | 3,782 |
| Return on assets (ROA) | 0.6548% | 3,960 |
| Pretax return on assets | 0.8773% | 3,804 |
| Return on Equity (ROE) | 5.1551% | 4,406 |
| Retained earnings to average equity (ytd only) | 2.8058% | 4,318 |
| Net charge-offs to loans | 2.5005% | 559 |
| Credit loss provision to net charge-offs | 50.3550% | 4,672 |
| Earnings coverage of net charge-offs (x) | 0.9880% | 4,276 |
| Efficiency ratio | 48.4710% | 7,702 |
| Assets per employee ($millions) | 5.8160% | 1,307 |
| Cash dividends to net income (ytd only)* | 45.5719% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4425% | 811 |
| Loan loss allowance to noncurrent loans | 75.5808% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 2.6285% | 2,185 |
| Noncurrent loans to loans | 3.2316% | 1,995 |
| Net loans and leases to total assets | 70.4459% | 3,586 |
| Net loans and leases to deposits | 90.2070% | 2,898 |
| Net loans and leases to core deposits | 107.3077% | 3,762 |
| Total domestic deposits to total assets | 78.0935% | 5,982 |
| Equity capital to assets | 13.2149% | 1,650 |
| Core capital (leverage) ratio | 8.2285% | 6,044 |
| Tier 1 risk-based capital ratio | 10.1777% | 6,739 |
| Total risk-based capital ratio | 11.4485% | 6,630 |
| Memoranda: | ||
| Average total assets | $4,021,665,500 | 219 |
| Average earning assets | $3,539,730,000 | 222 |
| Average equity | $510,794,500 | 183 |
| Average total loans | $2,906,778,500 | 211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8772% | 6,152 |
| Cost of funding earning assets | 2.3606% | 4,892 |
| Net interest margin | 3.5166% | 5,245 |
| Noninterest income to average assets | 0.6785% | 3,261 |
| Noninterest expense to average assets | 2.0030% | 7,435 |
| Loan and lease loss provision to assets | 1.8368% | 685 |
| Net operating income to assets | 0.0243% | 6,300 |
| Return on assets (ROA) | 0.0343% | 6,129 |
| Pretax return on assets | -0.0703% | 6,234 |
| Return on Equity (ROE) | 0.2618% | 6,149 |
| Retained earnings to average equity (ytd only) | -5.7156% | 6,624 |
| Net charge-offs to loans | 0.9315% | 1,326 |
| Credit loss provision to net charge-offs | 270.4991% | 1,701 |
| Earnings coverage of net charge-offs (x) | 2.5785% | 4,794 |
| Efficiency ratio | 51.3520% | 7,556 |
| Assets per employee ($millions) | 5.5349% | 1,437 |
| Cash dividends to net income (ytd only)* | 2,283.1050% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7593% | 536 |
| Loan loss allowance to noncurrent loans | 122.5286% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8950% | 2,596 |
| Noncurrent loans to loans | 2.2520% | 2,444 |
| Net loans and leases to total assets | 70.3504% | 3,937 |
| Net loans and leases to deposits | 89.4282% | 3,549 |
| Net loans and leases to core deposits | 107.0315% | 4,075 |
| Total domestic deposits to total assets | 78.6669% | 5,494 |
| Equity capital to assets | 12.1850% | 2,168 |
| Core capital (leverage) ratio | 7.0894% | 7,624 |
| Tier 1 risk-based capital ratio | 8.7353% | 7,938 |
| Total risk-based capital ratio | 10.0158% | 7,997 |
| Memoranda: | ||
| Average total assets | $3,827,403,600 | 217 |
| Average earning assets | $3,347,087,600 | 223 |
| Average equity | $501,889,600 | 193 |
| Average total loans | $2,790,112,800 | 211 |