Home > Capitol Federal Savings Bank > Performance and Condition Ratios
Capitol Federal Savings 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 | 3.8377% | 4,138 |
| Cost of funding earning assets | 2.2898% | 553 |
| Net interest margin | 1.5479% | 4,501 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.1694% | 4,472 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4681% | 3,737 |
| Return on assets (ROA) | -1.1548% | 4,530 |
| Pretax return on assets | -1.5675% | 4,547 |
| Return on Equity (ROE) | -12.2100% | 4,515 |
| Retained earnings to average equity (ytd only) | -19.2500% | 4,520 |
| Net charge-offs to loans | 0.0013% | 2,798 |
| Credit loss provision to net charge-offs | 4,832.3810% | 115 |
| Earnings coverage of net charge-offs (x) | 496.2857% | 295 |
| Efficiency ratio | 68.6436% | 2,039 |
| Assets per employee ($millions) | 15.3901% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3031% | 4,424 |
| Loan loss allowance to noncurrent loans | 233.5136% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,788 |
| Noncurrent loans to loans | 0.1298% | 2,863 |
| Net loans and leases to total assets | 82.9500% | 351 |
| Net loans and leases to deposits | 129.8372% | 45 |
| Net loans and leases to core deposits | 141.1960% | 269 |
| Total domestic deposits to total assets | 63.8900% | 4,408 |
| Equity capital to assets | 9.7651% | 2,150 |
| Core capital (leverage) ratio | 8.8875% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4498% | 1,193 |
| Memoranda: | ||
| Average total assets | $10,026,109,800 | 158 |
| Average earning assets | $9,418,516,000 | 153 |
| Average equity | $948,060,000 | 174 |
| Average total loans | $7,949,421,400 | 144 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,136 |
| Cost of funding earning assets | 2.2794% | 428 |
| Net interest margin | 1.4942% | 4,530 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.1606% | 4,491 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4530% | 3,861 |
| Return on assets (ROA) | -1.6880% | 4,583 |
| Pretax return on assets | -2.2687% | 4,599 |
| Return on Equity (ROE) | -18.0300% | 4,569 |
| Retained earnings to average equity (ytd only) | -27.4131% | 4,570 |
| Net charge-offs to loans | 0.0018% | 2,522 |
| Credit loss provision to net charge-offs | 4,452.3810% | 120 |
| Earnings coverage of net charge-offs (x) | 349.7810% | 405 |
| Efficiency ratio | 69.9658% | 1,784 |
| Assets per employee ($millions) | 16.0989% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2971% | 4,443 |
| Loan loss allowance to noncurrent loans | 248.4731% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,939 |
| Noncurrent loans to loans | 0.1196% | 2,967 |
| Net loans and leases to total assets | 78.3500% | 839 |
| Net loans and leases to deposits | 128.3053% | 47 |
| Net loans and leases to core deposits | 139.6895% | 222 |
| Total domestic deposits to total assets | 61.0700% | 4,452 |
| Equity capital to assets | 8.9739% | 2,436 |
| Core capital (leverage) ratio | 8.4440% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2849% | 1,248 |
| Memoranda: | ||
| Average total assets | $10,133,100,000 | 157 |
| Average earning assets | $9,523,458,000 | 152 |
| Average equity | $948,482,750 | 175 |
| Average total loans | $7,942,346,000 | 145 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,814 |
| Cost of funding earning assets | 2.0402% | 273 |
| Net interest margin | 1.7818% | 4,608 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.1662% | 4,581 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5697% | 3,746 |
| Return on assets (ROA) | 0.5697% | 3,714 |
| Pretax return on assets | 0.7037% | 3,653 |
| Return on Equity (ROE) | 5.8700% | 3,745 |
| Retained earnings to average equity (ytd only) | -0.8109% | 4,108 |
| Net charge-offs to loans | 0.0007% | 2,040 |
| Credit loss provision to net charge-offs | 5,100.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,323.3571% | 70 |
| Efficiency ratio | 60.6287% | 2,878 |
| Assets per employee ($millions) | 14.7635% | 215 |
| Cash dividends to net income (ytd only)* | 113.8054% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2493% | 4,550 |
| Loan loss allowance to noncurrent loans | 331.2625% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,175 |
| Noncurrent loans to loans | 0.0752% | 3,200 |
| Net loans and leases to total assets | 78.8200% | 672 |
| Net loans and leases to deposits | 126.7570% | 52 |
| Net loans and leases to core deposits | 136.2547% | 217 |
| Total domestic deposits to total assets | 62.1800% | 4,529 |
| Equity capital to assets | 9.6884% | 2,007 |
| Core capital (leverage) ratio | 9.7290% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $10,024,512,000 | 158 |
| Average earning assets | $9,409,145,500 | 152 |
| Average equity | $972,206,000 | 170 |
| Average total loans | $7,892,609,500 | 146 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 3,329 |
| Cost of funding earning assets | 1.2895% | 54 |
| Net interest margin | 2.1174% | 4,513 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.2052% | 4,609 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8147% | 3,275 |
| Return on assets (ROA) | 0.8147% | 3,206 |
| Pretax return on assets | 1.0283% | 2,989 |
| Return on Equity (ROE) | 7.7300% | 3,452 |
| Retained earnings to average equity (ytd only) | -3.3419% | 4,533 |
| Net charge-offs to loans | -0.0021% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.7544% | 3,914 |
| Assets per employee ($millions) | 14.1749% | 236 |
| Cash dividends to net income (ytd only)* | 143.2153% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2458% | 4,571 |
| Loan loss allowance to noncurrent loans | 228.1146% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 2,945 |
| Noncurrent loans to loans | 0.1078% | 2,996 |
| Net loans and leases to total assets | 78.2500% | 773 |
| Net loans and leases to deposits | 125.8571% | 53 |
| Net loans and leases to core deposits | 133.4229% | 196 |
| Total domestic deposits to total assets | 62.1700% | 4,564 |
| Equity capital to assets | 9.7083% | 1,882 |
| Core capital (leverage) ratio | 9.2140% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $9,653,160,000 | 164 |
| Average earning assets | $9,088,862,800 | 158 |
| Average equity | $1,017,012,800 | 168 |
| Average total loans | $7,356,276,400 | 151 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2191% | 3,388 |
| Cost of funding earning assets | 1.0518% | 50 |
| Net interest margin | 2.1673% | 4,481 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.2238% | 4,614 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.8686% | 3,007 |
| Return on assets (ROA) | 0.8686% | 2,979 |
| Pretax return on assets | 1.1067% | 2,699 |
| Return on Equity (ROE) | 8.0800% | 3,304 |
| Retained earnings to average equity (ytd only) | -3.9807% | 4,572 |
| Net charge-offs to loans | -0.0029% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.2751% | 3,989 |
| Assets per employee ($millions) | 13.6411% | 257 |
| Cash dividends to net income (ytd only)* | 149.2692% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2188% | 4,617 |
| Loan loss allowance to noncurrent loans | 170.4957% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,930 |
| Noncurrent loans to loans | 0.1283% | 2,992 |
| Net loans and leases to total assets | 77.4000% | 760 |
| Net loans and leases to deposits | 116.5815% | 71 |
| Net loans and leases to core deposits | 122.7806% | 213 |
| Total domestic deposits to total assets | 66.3900% | 4,582 |
| Equity capital to assets | 9.9113% | 1,666 |
| Core capital (leverage) ratio | 9.0017% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $9,578,749,500 | 165 |
| Average earning assets | $9,028,284,750 | 159 |
| Average equity | $1,029,753,250 | 166 |
| Average total loans | $7,243,920,250 | 153 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9766% | 3,612 |
| Cost of funding earning assets | 0.8263% | 87 |
| Net interest margin | 2.1503% | 4,485 |
| Noninterest income to average assets | 0.2709% | 3,546 |
| Noninterest expense to average assets | 1.2028% | 4,644 |
| Loan and lease loss provision to assets | -0.0471% | 4,509 |
| Net operating income to assets | 0.8979% | 2,591 |
| Return on assets (ROA) | 0.8979% | 2,563 |
| Pretax return on assets | 1.1446% | 2,257 |
| Return on Equity (ROE) | 8.1390% | 2,982 |
| Retained earnings to average equity (ytd only) | -5.5075% | 4,557 |
| Net charge-offs to loans | -0.0052% | 3,359 |
| Credit loss provision to net charge-offs | 765.9574% | 484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6553% | 4,154 |
| Assets per employee ($millions) | 13.2648% | 278 |
| Cash dividends to net income (ytd only)* | 167.6680% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2245% | 4,687 |
| Loan loss allowance to noncurrent loans | 185.5190% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,056 |
| Noncurrent loans to loans | 0.1210% | 3,126 |
| Net loans and leases to total assets | 76.2050% | 709 |
| Net loans and leases to deposits | 111.2922% | 84 |
| Net loans and leases to core deposits | 117.0446% | 229 |
| Total domestic deposits to total assets | 68.4729% | 4,634 |
| Equity capital to assets | 10.5376% | 1,409 |
| Core capital (leverage) ratio | 9.4469% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,556,923,333 | 165 |
| Average earning assets | $9,019,239,000 | 157 |
| Average equity | $1,054,381,000 | 164 |
| Average total loans | $7,164,825,000 | 151 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8518% | 3,642 |
| Cost of funding earning assets | 0.7722% | 103 |
| Net interest margin | 2.0796% | 4,463 |
| Noninterest income to average assets | 0.2574% | 3,596 |
| Noninterest expense to average assets | 1.1905% | 4,670 |
| Loan and lease loss provision to assets | -0.1330% | 4,629 |
| Net operating income to assets | 0.9057% | 2,254 |
| Return on assets (ROA) | 0.9057% | 2,254 |
| Pretax return on assets | 1.1625% | 1,944 |
| Return on Equity (ROE) | 8.0310% | 2,682 |
| Retained earnings to average equity (ytd only) | -0.1957% | 4,040 |
| Net charge-offs to loans | -0.0008% | 2,995 |
| Credit loss provision to net charge-offs | 15,978.5714% | 27 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9706% | 4,127 |
| Assets per employee ($millions) | 13.5826% | 272 |
| Cash dividends to net income (ytd only)* | 102.4370% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2149% | 4,714 |
| Loan loss allowance to noncurrent loans | 126.6082% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,916 |
| Noncurrent loans to loans | 0.1697% | 2,965 |
| Net loans and leases to total assets | 74.4576% | 626 |
| Net loans and leases to deposits | 104.8277% | 107 |
| Net loans and leases to core deposits | 111.7540% | 226 |
| Total domestic deposits to total assets | 71.0286% | 4,643 |
| Equity capital to assets | 11.0475% | 1,310 |
| Core capital (leverage) ratio | 9.6906% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,586,584,500 | 162 |
| Average earning assets | $9,047,140,000 | 160 |
| Average equity | $1,081,163,000 | 165 |
| Average total loans | $7,120,273,500 | 152 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7850% | 4,221 |
| Cost of funding earning assets | 0.8458% | 157 |
| Net interest margin | 1.9393% | 4,628 |
| Noninterest income to average assets | 0.3125% | 3,533 |
| Noninterest expense to average assets | 1.2078% | 4,709 |
| Loan and lease loss provision to assets | -0.1079% | 4,548 |
| Net operating income to assets | 0.8235% | 3,261 |
| Return on assets (ROA) | 0.8235% | 3,332 |
| Pretax return on assets | 1.0433% | 3,145 |
| Return on Equity (ROE) | 7.0214% | 3,511 |
| Retained earnings to average equity (ytd only) | -4.6582% | 4,701 |
| Net charge-offs to loans | -0.0003% | 3,209 |
| Credit loss provision to net charge-offs | 47,822.2222% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6279% | 3,744 |
| Assets per employee ($millions) | 13.6325% | 266 |
| Cash dividends to net income (ytd only)* | 166.3427% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2464% | 4,748 |
| Loan loss allowance to noncurrent loans | 154.2759% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 3,083 |
| Noncurrent loans to loans | 0.1597% | 3,137 |
| Net loans and leases to total assets | 73.7492% | 684 |
| Net loans and leases to deposits | 104.7669% | 121 |
| Net loans and leases to core deposits | 112.8473% | 242 |
| Total domestic deposits to total assets | 70.3936% | 4,676 |
| Equity capital to assets | 11.5065% | 1,511 |
| Core capital (leverage) ratio | 11.6442% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,658,561,600 | 164 |
| Average earning assets | $9,117,860,800 | 160 |
| Average equity | $1,132,865,800 | 161 |
| Average total loans | $7,060,520,600 | 156 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7929% | 4,306 |
| Cost of funding earning assets | 0.8754% | 176 |
| Net interest margin | 1.9175% | 4,710 |
| Noninterest income to average assets | 0.3310% | 3,449 |
| Noninterest expense to average assets | 1.2324% | 4,779 |
| Loan and lease loss provision to assets | -0.0962% | 4,594 |
| Net operating income to assets | 0.7904% | 3,549 |
| Return on assets (ROA) | 0.7904% | 3,618 |
| Pretax return on assets | 1.0046% | 3,441 |
| Return on Equity (ROE) | 6.7070% | 3,743 |
| Retained earnings to average equity (ytd only) | -6.6015% | 4,814 |
| Net charge-offs to loans | 0.0002% | 2,456 |
| Credit loss provision to net charge-offs | -48,376.9231% | 4,267 |
| Earnings coverage of net charge-offs (x) | 5,066.0000% | 25 |
| Efficiency ratio | 56.8251% | 3,437 |
| Assets per employee ($millions) | 13.3870% | 274 |
| Cash dividends to net income (ytd only)* | 198.4278% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2791% | 4,824 |
| Loan loss allowance to noncurrent loans | 145.8968% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 3,160 |
| Noncurrent loans to loans | 0.1913% | 3,181 |
| Net loans and leases to total assets | 73.3702% | 742 |
| Net loans and leases to deposits | 104.5901% | 148 |
| Net loans and leases to core deposits | 113.4027% | 266 |
| Total domestic deposits to total assets | 70.1502% | 4,726 |
| Equity capital to assets | 11.5037% | 1,675 |
| Core capital (leverage) ratio | 11.5201% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,667,059,250 | 163 |
| Average earning assets | $9,123,869,500 | 161 |
| Average equity | $1,139,220,500 | 160 |
| Average total loans | $7,046,756,250 | 158 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7841% | 4,367 |
| Cost of funding earning assets | 0.9055% | 181 |
| Net interest margin | 1.8786% | 4,762 |
| Noninterest income to average assets | 0.3729% | 3,251 |
| Noninterest expense to average assets | 1.2517% | 4,804 |
| Loan and lease loss provision to assets | -0.1169% | 4,655 |
| Net operating income to assets | 0.8004% | 3,513 |
| Return on assets (ROA) | 0.8004% | 3,586 |
| Pretax return on assets | 1.0104% | 3,430 |
| Return on Equity (ROE) | 6.7382% | 3,722 |
| Retained earnings to average equity (ytd only) | -9.8868% | 4,871 |
| Net charge-offs to loans | 0.0005% | 2,230 |
| Credit loss provision to net charge-offs | -29,905.5556% | 4,111 |
| Earnings coverage of net charge-offs (x) | 2,400.5556% | 36 |
| Efficiency ratio | 57.5382% | 3,341 |
| Assets per employee ($millions) | 12.9478% | 287 |
| Cash dividends to net income (ytd only)* | 246.7266% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2937% | 4,853 |
| Loan loss allowance to noncurrent loans | 144.8016% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,252 |
| Noncurrent loans to loans | 0.2028% | 3,232 |
| Net loans and leases to total assets | 72.7358% | 880 |
| Net loans and leases to deposits | 103.5188% | 190 |
| Net loans and leases to core deposits | 113.1434% | 297 |
| Total domestic deposits to total assets | 70.2634% | 4,749 |
| Equity capital to assets | 11.5005% | 1,628 |
| Core capital (leverage) ratio | 11.4682% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,672,081,000 | 162 |
| Average earning assets | $9,124,945,667 | 160 |
| Average equity | $1,148,847,667 | 156 |
| Average total loans | $7,028,505,333 | 157 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8388% | 4,330 |
| Cost of funding earning assets | 0.9482% | 177 |
| Net interest margin | 1.8906% | 4,775 |
| Noninterest income to average assets | 0.4888% | 2,662 |
| Noninterest expense to average assets | 1.3226% | 4,807 |
| Loan and lease loss provision to assets | -0.1226% | 4,745 |
| Net operating income to assets | 0.8474% | 3,277 |
| Return on assets (ROA) | 0.8474% | 3,355 |
| Pretax return on assets | 1.0724% | 3,188 |
| Return on Equity (ROE) | 7.0228% | 3,601 |
| Retained earnings to average equity (ytd only) | 0.5086% | 4,303 |
| Net charge-offs to loans | 0.0040% | 1,776 |
| Credit loss provision to net charge-offs | -3,797.1429% | 3,679 |
| Earnings coverage of net charge-offs (x) | 328.1000% | 277 |
| Efficiency ratio | 57.4369% | 3,374 |
| Assets per employee ($millions) | 12.8887% | 287 |
| Cash dividends to net income (ytd only)* | 92.7578% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3344% | 4,859 |
| Loan loss allowance to noncurrent loans | 152.3242% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 3,366 |
| Noncurrent loans to loans | 0.2195% | 3,319 |
| Net loans and leases to total assets | 71.7649% | 1,059 |
| Net loans and leases to deposits | 102.4091% | 231 |
| Net loans and leases to core deposits | 112.2121% | 355 |
| Total domestic deposits to total assets | 70.0766% | 4,768 |
| Equity capital to assets | 11.9807% | 1,292 |
| Core capital (leverage) ratio | 12.2160% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,672,131,000 | 162 |
| Average earning assets | $9,124,933,000 | 158 |
| Average equity | $1,167,108,500 | 153 |
| Average total loans | $7,014,899,000 | 157 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 4,307 |
| Cost of funding earning assets | 1.2441% | 230 |
| Net interest margin | 2.0724% | 4,809 |
| Noninterest income to average assets | 0.2221% | 4,168 |
| Noninterest expense to average assets | 1.1245% | 4,914 |
| Loan and lease loss provision to assets | 0.2312% | 1,680 |
| Net operating income to assets | 0.6450% | 3,612 |
| Return on assets (ROA) | 0.6450% | 3,738 |
| Pretax return on assets | 0.8099% | 3,607 |
| Return on Equity (ROE) | 5.2438% | 3,834 |
| Retained earnings to average equity (ytd only) | -0.2869% | 4,562 |
| Net charge-offs to loans | 0.0061% | 3,128 |
| Credit loss provision to net charge-offs | 4,898.8814% | 216 |
| Earnings coverage of net charge-offs (x) | 220.6018% | 438 |
| Efficiency ratio | 51.0053% | 4,471 |
| Assets per employee ($millions) | 12.6827% | 282 |
| Cash dividends to net income (ytd only)* | 105.4721% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3715% | 4,871 |
| Loan loss allowance to noncurrent loans | 182.9482% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 3,530 |
| Noncurrent loans to loans | 0.2031% | 3,484 |
| Net loans and leases to total assets | 72.7818% | 1,190 |
| Net loans and leases to deposits | 107.2327% | 206 |
| Net loans and leases to core deposits | 117.5868% | 347 |
| Total domestic deposits to total assets | 67.8728% | 4,819 |
| Equity capital to assets | 12.1536% | 1,496 |
| Core capital (leverage) ratio | 12.2221% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,471,231,200 | 155 |
| Average earning assets | $8,882,445,200 | 150 |
| Average equity | $1,165,040,400 | 152 |
| Average total loans | $7,327,386,600 | 144 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 4,332 |
| Cost of funding earning assets | 1.2932% | 249 |
| Net interest margin | 2.1165% | 4,846 |
| Noninterest income to average assets | 0.2183% | 4,180 |
| Noninterest expense to average assets | 1.1371% | 4,952 |
| Loan and lease loss provision to assets | 0.3120% | 1,281 |
| Net operating income to assets | 0.5949% | 3,784 |
| Return on assets (ROA) | 0.5949% | 3,882 |
| Pretax return on assets | 0.7523% | 3,776 |
| Return on Equity (ROE) | 4.8214% | 3,938 |
| Retained earnings to average equity (ytd only) | -0.4582% | 4,549 |
| Net charge-offs to loans | -0.0003% | 3,770 |
| Credit loss provision to net charge-offs | -129,852.9412% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7108% | 4,447 |
| Assets per employee ($millions) | 12.5608% | 290 |
| Cash dividends to net income (ytd only)* | 109.5046% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4358% | 4,863 |
| Loan loss allowance to noncurrent loans | 250.5125% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,755 |
| Noncurrent loans to loans | 0.1740% | 3,687 |
| Net loans and leases to total assets | 75.7562% | 1,130 |
| Net loans and leases to deposits | 113.0897% | 180 |
| Net loans and leases to core deposits | 123.8862% | 341 |
| Total domestic deposits to total assets | 66.9877% | 4,831 |
| Equity capital to assets | 12.2608% | 1,540 |
| Core capital (leverage) ratio | 12.3866% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,432,500,750 | 154 |
| Average earning assets | $8,838,432,500 | 151 |
| Average equity | $1,163,820,000 | 152 |
| Average total loans | $7,401,180,000 | 143 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 4,411 |
| Cost of funding earning assets | 1.3486% | 287 |
| Net interest margin | 2.1496% | 4,901 |
| Noninterest income to average assets | 0.2134% | 4,213 |
| Noninterest expense to average assets | 1.1263% | 4,988 |
| Loan and lease loss provision to assets | 0.4693% | 805 |
| Net operating income to assets | 0.5046% | 4,007 |
| Return on assets (ROA) | 0.5046% | 4,080 |
| Pretax return on assets | 0.6300% | 4,004 |
| Return on Equity (ROE) | 4.0811% | 4,073 |
| Retained earnings to average equity (ytd only) | 0.2381% | 4,263 |
| Net charge-offs to loans | 0.0079% | 2,665 |
| Credit loss provision to net charge-offs | 7,483.0508% | 162 |
| Earnings coverage of net charge-offs (x) | 175.2780% | 494 |
| Efficiency ratio | 49.6575% | 4,516 |
| Assets per employee ($millions) | 12.5397% | 281 |
| Cash dividends to net income (ytd only)* | 94.1647% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 4,894 |
| Loan loss allowance to noncurrent loans | 302.9406% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 3,980 |
| Noncurrent loans to loans | 0.1389% | 3,900 |
| Net loans and leases to total assets | 77.1297% | 977 |
| Net loans and leases to deposits | 118.6376% | 106 |
| Net loans and leases to core deposits | 131.0411% | 245 |
| Total domestic deposits to total assets | 65.0128% | 4,905 |
| Equity capital to assets | 12.2085% | 1,533 |
| Core capital (leverage) ratio | 12.4323% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,407,171,000 | 153 |
| Average earning assets | $8,805,742,000 | 150 |
| Average equity | $1,163,155,667 | 152 |
| Average total loans | $7,456,641,667 | 144 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 4,481 |
| Cost of funding earning assets | 1.4147% | 370 |
| Net interest margin | 2.2270% | 4,948 |
| Noninterest income to average assets | 0.2222% | 4,224 |
| Noninterest expense to average assets | 1.1401% | 5,035 |
| Loan and lease loss provision to assets | 0.9474% | 231 |
| Net operating income to assets | 0.1821% | 4,551 |
| Return on assets (ROA) | 0.1821% | 4,558 |
| Pretax return on assets | 0.2166% | 4,550 |
| Return on Equity (ROE) | 1.4632% | 4,554 |
| Retained earnings to average equity (ytd only) | -6.2442% | 4,601 |
| Net charge-offs to loans | 0.0168% | 2,036 |
| Credit loss provision to net charge-offs | 7,030.2548% | 106 |
| Earnings coverage of net charge-offs (x) | 86.3726% | 642 |
| Efficiency ratio | 48.5583% | 4,732 |
| Assets per employee ($millions) | 12.2686% | 221 |
| Cash dividends to net income (ytd only)* | 526.7499% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 4,937 |
| Loan loss allowance to noncurrent loans | 351.0296% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,138 |
| Noncurrent loans to loans | 0.1184% | 4,049 |
| Net loans and leases to total assets | 79.6705% | 734 |
| Net loans and leases to deposits | 125.6085% | 57 |
| Net loans and leases to core deposits | 139.3793% | 172 |
| Total domestic deposits to total assets | 63.4277% | 5,002 |
| Equity capital to assets | 12.2011% | 1,922 |
| Core capital (leverage) ratio | 12.3602% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,320,574,500 | 151 |
| Average earning assets | $8,713,069,500 | 147 |
| Average equity | $1,159,923,500 | 151 |
| Average total loans | $7,474,703,500 | 141 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,646 |
| Cost of funding earning assets | 1.4381% | 488 |
| Net interest margin | 2.2933% | 5,038 |
| Noninterest income to average assets | 0.2470% | 4,202 |
| Noninterest expense to average assets | 1.1542% | 5,101 |
| Loan and lease loss provision to assets | 0.0104% | 3,801 |
| Net operating income to assets | 0.9825% | 2,904 |
| Return on assets (ROA) | 0.9825% | 2,984 |
| Pretax return on assets | 1.2465% | 2,679 |
| Return on Equity (ROE) | 7.7265% | 3,281 |
| Retained earnings to average equity (ytd only) | -3.1990% | 4,919 |
| Net charge-offs to loans | 0.0013% | 3,679 |
| Credit loss provision to net charge-offs | 994.8980% | 354 |
| Earnings coverage of net charge-offs (x) | 1,200.3776% | 81 |
| Efficiency ratio | 46.8930% | 4,878 |
| Assets per employee ($millions) | 12.2917% | 203 |
| Cash dividends to net income (ytd only)* | 141.4035% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1268% | 5,101 |
| Loan loss allowance to noncurrent loans | 132.1614% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,228 |
| Noncurrent loans to loans | 0.0959% | 4,141 |
| Net loans and leases to total assets | 80.2893% | 745 |
| Net loans and leases to deposits | 129.7449% | 44 |
| Net loans and leases to core deposits | 143.8130% | 156 |
| Total domestic deposits to total assets | 61.8824% | 5,072 |
| Equity capital to assets | 12.6918% | 1,712 |
| Core capital (leverage) ratio | 12.5239% | 1,479 |
| Tier 1 risk-based capital ratio | 24.1408% | 815 |
| Total risk-based capital ratio | 24.3356% | 885 |
| Memoranda: | ||
| Average total assets | $9,359,382,600 | 149 |
| Average earning assets | $8,832,322,800 | 141 |
| Average equity | $1,190,136,400 | 146 |
| Average total loans | $7,500,467,200 | 137 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 4,730 |
| Cost of funding earning assets | 1.4300% | 513 |
| Net interest margin | 2.3178% | 5,124 |
| Noninterest income to average assets | 0.2494% | 4,250 |
| Noninterest expense to average assets | 1.1578% | 5,178 |
| Loan and lease loss provision to assets | 0.0107% | 3,675 |
| Net operating income to assets | 0.9888% | 3,022 |
| Return on assets (ROA) | 0.9888% | 3,098 |
| Pretax return on assets | 1.2699% | 2,753 |
| Return on Equity (ROE) | 7.7727% | 3,403 |
| Retained earnings to average equity (ytd only) | -4.2633% | 5,033 |
| Net charge-offs to loans | 0.0015% | 3,400 |
| Credit loss provision to net charge-offs | 914.6341% | 385 |
| Earnings coverage of net charge-offs (x) | 1,099.2743% | 82 |
| Efficiency ratio | 46.4871% | 4,914 |
| Assets per employee ($millions) | 12.6809% | 181 |
| Cash dividends to net income (ytd only)* | 154.8502% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1242% | 5,177 |
| Loan loss allowance to noncurrent loans | 121.8436% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,234 |
| Noncurrent loans to loans | 0.1020% | 4,186 |
| Net loans and leases to total assets | 79.2558% | 947 |
| Net loans and leases to deposits | 127.9506% | 53 |
| Net loans and leases to core deposits | 142.6346% | 162 |
| Total domestic deposits to total assets | 61.9425% | 5,149 |
| Equity capital to assets | 12.4912% | 1,916 |
| Core capital (leverage) ratio | 12.0697% | 1,804 |
| Tier 1 risk-based capital ratio | 24.1269% | 832 |
| Total risk-based capital ratio | 24.3173% | 922 |
| Memoranda: | ||
| Average total assets | $9,385,311,750 | 150 |
| Average earning assets | $8,863,578,250 | 143 |
| Average equity | $1,193,992,250 | 147 |
| Average total loans | $7,515,397,500 | 139 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 4,808 |
| Cost of funding earning assets | 1.3735% | 589 |
| Net interest margin | 2.3463% | 5,182 |
| Noninterest income to average assets | 0.2441% | 4,295 |
| Noninterest expense to average assets | 1.1626% | 5,231 |
| Loan and lease loss provision to assets | 0.0096% | 3,557 |
| Net operating income to assets | 1.0083% | 2,891 |
| Return on assets (ROA) | 1.0083% | 2,965 |
| Pretax return on assets | 1.2892% | 2,602 |
| Return on Equity (ROE) | 7.8784% | 3,337 |
| Retained earnings to average equity (ytd only) | -6.2657% | 5,102 |
| Net charge-offs to loans | -0.0007% | 3,884 |
| Credit loss provision to net charge-offs | -1,607.1429% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2306% | 4,978 |
| Assets per employee ($millions) | 12.5971% | 175 |
| Cash dividends to net income (ytd only)* | 179.5300% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1202% | 5,232 |
| Loan loss allowance to noncurrent loans | 90.5320% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,155 |
| Noncurrent loans to loans | 0.1328% | 4,079 |
| Net loans and leases to total assets | 80.6573% | 787 |
| Net loans and leases to deposits | 130.3713% | 44 |
| Net loans and leases to core deposits | 146.1067% | 149 |
| Total domestic deposits to total assets | 61.8674% | 5,194 |
| Equity capital to assets | 12.5810% | 1,813 |
| Core capital (leverage) ratio | 12.4228% | 1,577 |
| Tier 1 risk-based capital ratio | 23.8480% | 861 |
| Total risk-based capital ratio | 24.0324% | 943 |
| Memoranda: | ||
| Average total assets | $9,394,257,330 | 151 |
| Average earning assets | $8,877,877,330 | 144 |
| Average equity | $1,202,327,670 | 145 |
| Average total loans | $7,545,077,670 | 139 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,862 |
| Cost of funding earning assets | 1.3359% | 585 |
| Net interest margin | 2.3539% | 5,240 |
| Noninterest income to average assets | 0.2341% | 4,336 |
| Noninterest expense to average assets | 1.1248% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0430% | 2,686 |
| Return on assets (ROA) | 1.0430% | 2,728 |
| Pretax return on assets | 1.3365% | 2,306 |
| Return on Equity (ROE) | 8.0815% | 3,228 |
| Retained earnings to average equity (ytd only) | 0.0601% | 4,518 |
| Net charge-offs to loans | -0.0032% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6991% | 5,082 |
| Assets per employee ($millions) | 12.9787% | 166 |
| Cash dividends to net income (ytd only)* | 99.2563% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1137% | 5,298 |
| Loan loss allowance to noncurrent loans | 69.2289% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 4,074 |
| Noncurrent loans to loans | 0.1642% | 4,011 |
| Net loans and leases to total assets | 79.2757% | 944 |
| Net loans and leases to deposits | 128.9536% | 46 |
| Net loans and leases to core deposits | 145.3941% | 145 |
| Total domestic deposits to total assets | 61.4762% | 5,268 |
| Equity capital to assets | 12.7354% | 1,606 |
| Core capital (leverage) ratio | 12.8569% | 1,338 |
| Tier 1 risk-based capital ratio | 24.6602% | 787 |
| Total risk-based capital ratio | 24.8363% | 853 |
| Memoranda: | ||
| Average total assets | $9,436,759,000 | 150 |
| Average earning assets | $8,928,795,000 | 143 |
| Average equity | $1,217,892,000 | 142 |
| Average total loans | $7,558,800,500 | 140 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,613 |
| Cost of funding earning assets | 1.4242% | 125 |
| Net interest margin | 2.3122% | 5,282 |
| Noninterest income to average assets | 0.2372% | 4,501 |
| Noninterest expense to average assets | 1.0857% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0014% | 3,004 |
| Return on assets (ROA) | 1.0014% | 2,990 |
| Pretax return on assets | 1.3368% | 2,379 |
| Return on Equity (ROE) | 7.6257% | 3,604 |
| Retained earnings to average equity (ytd only) | -3.5975% | 5,203 |
| Net charge-offs to loans | -0.0026% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4397% | 5,168 |
| Assets per employee ($millions) | 12.6132% | 173 |
| Cash dividends to net income (ytd only)* | 147.1753% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1136% | 5,341 |
| Loan loss allowance to noncurrent loans | 64.6131% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,034 |
| Noncurrent loans to loans | 0.1757% | 3,963 |
| Net loans and leases to total assets | 80.7595% | 830 |
| Net loans and leases to deposits | 132.1532% | 39 |
| Net loans and leases to core deposits | 148.9588% | 139 |
| Total domestic deposits to total assets | 61.1105% | 5,309 |
| Equity capital to assets | 13.0805% | 1,306 |
| Core capital (leverage) ratio | 12.5586% | 1,428 |
| Tier 1 risk-based capital ratio | 24.9729% | 748 |
| Total risk-based capital ratio | 25.1501% | 815 |
| Memoranda: | ||
| Average total assets | $9,200,261,400 | 147 |
| Average earning assets | $8,695,449,800 | 141 |
| Average equity | $1,208,216,200 | 141 |
| Average total loans | $7,343,576,600 | 136 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,604 |
| Cost of funding earning assets | 1.4357% | 84 |
| Net interest margin | 2.2901% | 5,354 |
| Noninterest income to average assets | 0.2300% | 4,591 |
| Noninterest expense to average assets | 1.0566% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9845% | 3,152 |
| Return on assets (ROA) | 0.9845% | 3,160 |
| Pretax return on assets | 1.3376% | 2,474 |
| Return on Equity (ROE) | 7.4893% | 3,757 |
| Retained earnings to average equity (ytd only) | -5.1170% | 5,321 |
| Net charge-offs to loans | -0.0017% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9900% | 5,210 |
| Assets per employee ($millions) | 12.9094% | 160 |
| Cash dividends to net income (ytd only)* | 168.3247% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1125% | 5,416 |
| Loan loss allowance to noncurrent loans | 76.9924% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,269 |
| Noncurrent loans to loans | 0.1461% | 4,233 |
| Net loans and leases to total assets | 79.4164% | 1,106 |
| Net loans and leases to deposits | 128.9722% | 55 |
| Net loans and leases to core deposits | 145.4764% | 171 |
| Total domestic deposits to total assets | 61.5764% | 5,376 |
| Equity capital to assets | 12.9109% | 1,374 |
| Core capital (leverage) ratio | 12.9763% | 1,288 |
| Tier 1 risk-based capital ratio | 25.0717% | 750 |
| Total risk-based capital ratio | 25.2482% | 829 |
| Memoranda: | ||
| Average total assets | $9,170,036,250 | 145 |
| Average earning assets | $8,665,816,000 | 140 |
| Average equity | $1,205,457,250 | 142 |
| Average total loans | $7,295,400,000 | 136 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 4,243 |
| Cost of funding earning assets | 1.5315% | 47 |
| Net interest margin | 2.3094% | 5,412 |
| Noninterest income to average assets | 0.2287% | 4,652 |
| Noninterest expense to average assets | 1.0298% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0160% | 2,946 |
| Return on assets (ROA) | 1.0160% | 2,955 |
| Pretax return on assets | 1.3796% | 2,219 |
| Return on Equity (ROE) | 7.6811% | 3,635 |
| Retained earnings to average equity (ytd only) | -7.5446% | 5,372 |
| Net charge-offs to loans | 0.0007% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,407.0769% | 24 |
| Efficiency ratio | 42.7395% | 5,319 |
| Assets per employee ($millions) | 14.1335% | 116 |
| Cash dividends to net income (ytd only)* | 198.2230% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1151% | 5,472 |
| Loan loss allowance to noncurrent loans | 69.8360% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 4,281 |
| Noncurrent loans to loans | 0.1648% | 4,167 |
| Net loans and leases to total assets | 79.7960% | 1,053 |
| Net loans and leases to deposits | 131.3952% | 37 |
| Net loans and leases to core deposits | 148.4292% | 132 |
| Total domestic deposits to total assets | 60.7298% | 5,447 |
| Equity capital to assets | 12.9251% | 1,333 |
| Core capital (leverage) ratio | 11.0310% | 2,493 |
| Tier 1 risk-based capital ratio | 26.2450% | 655 |
| Total risk-based capital ratio | 26.4323% | 704 |
| Memoranda: | ||
| Average total assets | $9,072,512,330 | 146 |
| Average earning assets | $8,567,038,670 | 140 |
| Average equity | $1,200,041,000 | 141 |
| Average total loans | $7,219,424,670 | 135 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 4,096 |
| Cost of funding earning assets | 1.5162% | 40 |
| Net interest margin | 2.3296% | 5,462 |
| Noninterest income to average assets | 0.2284% | 4,642 |
| Noninterest expense to average assets | 1.0131% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0348% | 2,715 |
| Return on assets (ROA) | 1.0348% | 2,733 |
| Pretax return on assets | 1.4070% | 1,983 |
| Return on Equity (ROE) | 7.7349% | 3,494 |
| Retained earnings to average equity (ytd only) | -2.7747% | 5,067 |
| Net charge-offs to loans | -0.0011% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8605% | 5,403 |
| Assets per employee ($millions) | 14.2505% | 116 |
| Cash dividends to net income (ytd only)* | 135.8729% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1164% | 5,537 |
| Loan loss allowance to noncurrent loans | 56.9045% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 4,243 |
| Noncurrent loans to loans | 0.2045% | 4,053 |
| Net loans and leases to total assets | 78.8354% | 1,108 |
| Net loans and leases to deposits | 130.0634% | 36 |
| Net loans and leases to core deposits | 146.1961% | 152 |
| Total domestic deposits to total assets | 60.6130% | 5,517 |
| Equity capital to assets | 13.2514% | 1,135 |
| Core capital (leverage) ratio | 10.9266% | 2,513 |
| Tier 1 risk-based capital ratio | 27.0762% | 614 |
| Total risk-based capital ratio | 27.2647% | 666 |
| Memoranda: | ||
| Average total assets | $9,071,929,000 | 145 |
| Average earning assets | $8,534,658,000 | 138 |
| Average equity | $1,213,671,500 | 138 |
| Average total loans | $7,204,749,000 | 134 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 4,399 |
| Cost of funding earning assets | 1.4110% | 30 |
| Net interest margin | 2.2632% | 5,519 |
| Noninterest income to average assets | 0.2322% | 4,744 |
| Noninterest expense to average assets | 0.9665% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0425% | 2,084 |
| Return on assets (ROA) | 1.0425% | 2,114 |
| Pretax return on assets | 1.4167% | 1,934 |
| Return on Equity (ROE) | 7.8113% | 2,882 |
| Retained earnings to average equity (ytd only) | -2.0202% | 5,283 |
| Net charge-offs to loans | 0.0021% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 858.9007% | 98 |
| Efficiency ratio | 40.5553% | 5,519 |
| Assets per employee ($millions) | 13.7546% | 120 |
| Cash dividends to net income (ytd only)* | 125.8631% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1163% | 5,600 |
| Loan loss allowance to noncurrent loans | 54.0453% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 4,222 |
| Noncurrent loans to loans | 0.2151% | 4,049 |
| Net loans and leases to total assets | 79.8228% | 984 |
| Net loans and leases to deposits | 133.0938% | 37 |
| Net loans and leases to core deposits | 150.1112% | 131 |
| Total domestic deposits to total assets | 59.9748% | 5,585 |
| Equity capital to assets | 13.5070% | 1,060 |
| Core capital (leverage) ratio | 10.9354% | 2,395 |
| Tier 1 risk-based capital ratio | 27.3307% | 576 |
| Total risk-based capital ratio | 27.5191% | 635 |
| Memoranda: | ||
| Average total assets | $9,155,141,400 | 135 |
| Average earning assets | $8,700,585,800 | 129 |
| Average equity | $1,221,884,400 | 131 |
| Average total loans | $7,186,980,400 | 127 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 4,479 |
| Cost of funding earning assets | 1.3864% | 31 |
| Net interest margin | 2.2479% | 5,591 |
| Noninterest income to average assets | 0.2371% | 4,788 |
| Noninterest expense to average assets | 0.9730% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9219% | 2,914 |
| Return on assets (ROA) | 0.9219% | 2,974 |
| Pretax return on assets | 1.4062% | 2,098 |
| Return on Equity (ROE) | 6.9282% | 3,702 |
| Retained earnings to average equity (ytd only) | -3.9252% | 5,518 |
| Net charge-offs to loans | 0.0023% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 788.1104% | 134 |
| Efficiency ratio | 40.8956% | 5,560 |
| Assets per employee ($millions) | 13.8312% | 114 |
| Cash dividends to net income (ytd only)* | 156.6562% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1166% | 5,669 |
| Loan loss allowance to noncurrent loans | 50.4021% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,316 |
| Noncurrent loans to loans | 0.2313% | 4,140 |
| Net loans and leases to total assets | 78.1138% | 1,248 |
| Net loans and leases to deposits | 130.5005% | 40 |
| Net loans and leases to core deposits | 148.4929% | 129 |
| Total domestic deposits to total assets | 59.8571% | 5,654 |
| Equity capital to assets | 13.0790% | 1,344 |
| Core capital (leverage) ratio | 10.8062% | 2,638 |
| Tier 1 risk-based capital ratio | 27.1531% | 617 |
| Total risk-based capital ratio | 27.3428% | 658 |
| Memoranda: | ||
| Average total assets | $9,191,605,000 | 135 |
| Average earning assets | $8,758,661,500 | 129 |
| Average equity | $1,223,133,500 | 133 |
| Average total loans | $7,183,766,750 | 125 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 4,490 |
| Cost of funding earning assets | 1.3645% | 29 |
| Net interest margin | 2.2430% | 5,632 |
| Noninterest income to average assets | 0.2375% | 4,818 |
| Noninterest expense to average assets | 0.9612% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9362% | 2,741 |
| Return on assets (ROA) | 0.9362% | 2,799 |
| Pretax return on assets | 1.4137% | 1,958 |
| Return on Equity (ROE) | 6.9950% | 3,555 |
| Retained earnings to average equity (ytd only) | -5.7306% | 5,561 |
| Net charge-offs to loans | 0.0010% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,854.9714% | 26 |
| Efficiency ratio | 40.4727% | 5,618 |
| Assets per employee ($millions) | 14.0388% | 106 |
| Cash dividends to net income (ytd only)* | 181.9250% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1171% | 5,718 |
| Loan loss allowance to noncurrent loans | 38.5762% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,077 |
| Noncurrent loans to loans | 0.3035% | 3,950 |
| Net loans and leases to total assets | 79.3469% | 1,043 |
| Net loans and leases to deposits | 133.2021% | 38 |
| Net loans and leases to core deposits | 149.4865% | 123 |
| Total domestic deposits to total assets | 59.5688% | 5,702 |
| Equity capital to assets | 13.2121% | 1,273 |
| Core capital (leverage) ratio | 10.6936% | 2,709 |
| Tier 1 risk-based capital ratio | 27.1879% | 600 |
| Total risk-based capital ratio | 27.3798% | 647 |
| Memoranda: | ||
| Average total assets | $9,184,958,000 | 135 |
| Average earning assets | $8,752,518,670 | 130 |
| Average equity | $1,229,251,000 | 129 |
| Average total loans | $7,177,059,670 | 123 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 4,551 |
| Cost of funding earning assets | 1.3224% | 32 |
| Net interest margin | 2.2284% | 5,689 |
| Noninterest income to average assets | 0.2324% | 4,881 |
| Noninterest expense to average assets | 0.9327% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9394% | 2,561 |
| Return on assets (ROA) | 0.9394% | 2,623 |
| Pretax return on assets | 1.4227% | 1,801 |
| Return on Equity (ROE) | 6.9753% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.3445% | 4,840 |
| Net charge-offs to loans | 0.0041% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 442.8919% | 127 |
| Efficiency ratio | 39.5982% | 5,705 |
| Assets per employee ($millions) | 14.5017% | 99 |
| Cash dividends to net income (ytd only)* | 95.0605% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1173% | 5,793 |
| Loan loss allowance to noncurrent loans | 32.1533% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,943 |
| Noncurrent loans to loans | 0.3648% | 3,782 |
| Net loans and leases to total assets | 77.6306% | 1,175 |
| Net loans and leases to deposits | 132.2646% | 31 |
| Net loans and leases to core deposits | 147.1384% | 118 |
| Total domestic deposits to total assets | 58.6935% | 5,777 |
| Equity capital to assets | 13.4016% | 1,109 |
| Core capital (leverage) ratio | 11.0464% | 2,312 |
| Tier 1 risk-based capital ratio | 28.0680% | 558 |
| Total risk-based capital ratio | 28.2596% | 615 |
| Memoranda: | ||
| Average total assets | $9,214,820,500 | 132 |
| Average earning assets | $8,778,994,000 | 127 |
| Average equity | $1,241,060,000 | 127 |
| Average total loans | $7,141,049,500 | 121 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 4,897 |
| Cost of funding earning assets | 1.2750% | 38 |
| Net interest margin | 2.1684% | 5,766 |
| Noninterest income to average assets | 0.2455% | 4,956 |
| Noninterest expense to average assets | 0.9573% | 5,863 |
| Loan and lease loss provision to assets | -0.0081% | 5,485 |
| Net operating income to assets | 0.9016% | 2,814 |
| Return on assets (ROA) | 0.9016% | 2,932 |
| Pretax return on assets | 1.3635% | 2,057 |
| Return on Equity (ROE) | 6.6385% | 3,674 |
| Retained earnings to average equity (ytd only) | -2.8805% | 5,583 |
| Net charge-offs to loans | -0.0010% | 4,650 |
| Credit loss provision to net charge-offs | 1,071.4286% | 364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3932% | 5,763 |
| Assets per employee ($millions) | 14.4300% | 96 |
| Cash dividends to net income (ytd only)* | 143.3914% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1204% | 5,847 |
| Loan loss allowance to noncurrent loans | 29.5273% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,876 |
| Noncurrent loans to loans | 0.4076% | 3,688 |
| Net loans and leases to total assets | 77.1732% | 1,334 |
| Net loans and leases to deposits | 132.8066% | 34 |
| Net loans and leases to core deposits | 148.6298% | 122 |
| Total domestic deposits to total assets | 58.1094% | 5,840 |
| Equity capital to assets | 13.5354% | 1,030 |
| Core capital (leverage) ratio | 11.0022% | 2,334 |
| Tier 1 risk-based capital ratio | 28.2691% | 551 |
| Total risk-based capital ratio | 28.4641% | 596 |
| Memoranda: | ||
| Average total assets | $9,239,090,800 | 124 |
| Average earning assets | $8,807,706,200 | 118 |
| Average equity | $1,254,803,400 | 117 |
| Average total loans | $6,869,529,200 | 122 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 4,941 |
| Cost of funding earning assets | 1.2661% | 39 |
| Net interest margin | 2.1714% | 5,830 |
| Noninterest income to average assets | 0.2535% | 4,948 |
| Noninterest expense to average assets | 1.0117% | 5,921 |
| Loan and lease loss provision to assets | -0.0108% | 5,648 |
| Net operating income to assets | 0.9034% | 2,889 |
| Return on assets (ROA) | 0.9034% | 3,030 |
| Pretax return on assets | 1.3236% | 2,339 |
| Return on Equity (ROE) | 6.6458% | 3,753 |
| Retained earnings to average equity (ytd only) | -3.8215% | 5,686 |
| Net charge-offs to loans | -0.0017% | 4,475 |
| Credit loss provision to net charge-offs | 842.6966% | 479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5234% | 5,757 |
| Assets per employee ($millions) | 14.5292% | 89 |
| Cash dividends to net income (ytd only)* | 157.5016% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1226% | 5,913 |
| Loan loss allowance to noncurrent loans | 29.2596% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,990 |
| Noncurrent loans to loans | 0.4190% | 3,776 |
| Net loans and leases to total assets | 74.9450% | 1,711 |
| Net loans and leases to deposits | 129.9930% | 40 |
| Net loans and leases to core deposits | 145.4446% | 155 |
| Total domestic deposits to total assets | 57.6531% | 5,905 |
| Equity capital to assets | 13.3650% | 1,313 |
| Core capital (leverage) ratio | 10.9202% | 2,541 |
| Tier 1 risk-based capital ratio | 28.4863% | 553 |
| Total risk-based capital ratio | 28.6832% | 604 |
| Memoranda: | ||
| Average total assets | $9,258,103,000 | 123 |
| Average earning assets | $8,829,880,500 | 116 |
| Average equity | $1,258,441,250 | 115 |
| Average total loans | $6,816,928,750 | 122 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 5,005 |
| Cost of funding earning assets | 1.2592% | 39 |
| Net interest margin | 2.1807% | 5,907 |
| Noninterest income to average assets | 0.2584% | 4,932 |
| Noninterest expense to average assets | 1.0027% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9099% | 2,814 |
| Return on assets (ROA) | 0.9099% | 2,946 |
| Pretax return on assets | 1.3357% | 2,261 |
| Return on Equity (ROE) | 6.6563% | 3,719 |
| Retained earnings to average equity (ytd only) | -5.7250% | 5,777 |
| Net charge-offs to loans | -0.0033% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8801% | 5,842 |
| Assets per employee ($millions) | 14.4748% | 86 |
| Cash dividends to net income (ytd only)* | 186.0093% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1360% | 5,989 |
| Loan loss allowance to noncurrent loans | 33.4880% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 4,104 |
| Noncurrent loans to loans | 0.4060% | 3,905 |
| Net loans and leases to total assets | 73.8256% | 1,878 |
| Net loans and leases to deposits | 130.5946% | 38 |
| Net loans and leases to core deposits | 146.0718% | 141 |
| Total domestic deposits to total assets | 56.5303% | 5,992 |
| Equity capital to assets | 13.3954% | 1,284 |
| Core capital (leverage) ratio | 10.8740% | 2,562 |
| Tier 1 risk-based capital ratio | 28.7595% | 549 |
| Total risk-based capital ratio | 28.9765% | 597 |
| Memoranda: | ||
| Average total assets | $9,249,411,670 | 122 |
| Average earning assets | $8,821,881,000 | 115 |
| Average equity | $1,264,313,000 | 113 |
| Average total loans | $6,767,050,330 | 121 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 5,014 |
| Cost of funding earning assets | 1.2488% | 43 |
| Net interest margin | 2.1969% | 5,965 |
| Noninterest income to average assets | 0.2739% | 4,768 |
| Noninterest expense to average assets | 0.9935% | 6,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9328% | 2,592 |
| Return on assets (ROA) | 0.9328% | 2,698 |
| Pretax return on assets | 1.3753% | 1,981 |
| Return on Equity (ROE) | 6.7561% | 3,588 |
| Retained earnings to average equity (ytd only) | 0.2614% | 5,047 |
| Net charge-offs to loans | 0.0005% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3,972.1250% | 6 |
| Efficiency ratio | 41.9418% | 5,922 |
| Assets per employee ($millions) | 14.3618% | 94 |
| Cash dividends to net income (ytd only)* | 96.1303% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1356% | 6,055 |
| Loan loss allowance to noncurrent loans | 35.6152% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 4,199 |
| Noncurrent loans to loans | 0.3808% | 4,075 |
| Net loans and leases to total assets | 72.5127% | 1,948 |
| Net loans and leases to deposits | 128.4539% | 43 |
| Net loans and leases to core deposits | 144.2637% | 140 |
| Total domestic deposits to total assets | 56.4504% | 6,056 |
| Equity capital to assets | 13.6840% | 1,097 |
| Core capital (leverage) ratio | 11.3178% | 2,127 |
| Tier 1 risk-based capital ratio | 29.8102% | 515 |
| Total risk-based capital ratio | 30.0259% | 546 |
| Memoranda: | ||
| Average total assets | $9,242,170,000 | 122 |
| Average earning assets | $8,812,955,500 | 115 |
| Average equity | $1,276,003,500 | 114 |
| Average total loans | $6,726,358,000 | 122 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2955% | 5,354 |
| Cost of funding earning assets | 1.2045% | 57 |
| Net interest margin | 2.0910% | 6,029 |
| Noninterest income to average assets | 0.2232% | 5,265 |
| Noninterest expense to average assets | 0.9948% | 6,124 |
| Loan and lease loss provision to assets | 0.0063% | 4,269 |
| Net operating income to assets | 0.8268% | 3,213 |
| Return on assets (ROA) | 0.8268% | 3,290 |
| Pretax return on assets | 1.2215% | 2,585 |
| Return on Equity (ROE) | 6.0679% | 4,005 |
| Retained earnings to average equity (ytd only) | -2.7754% | 5,806 |
| Net charge-offs to loans | 0.0107% | 4,098 |
| Credit loss provision to net charge-offs | 86.1671% | 2,829 |
| Earnings coverage of net charge-offs (x) | 167.2882% | 388 |
| Efficiency ratio | 44.7597% | 5,961 |
| Assets per employee ($millions) | 14.0756% | 97 |
| Cash dividends to net income (ytd only)* | 145.7392% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1379% | 6,103 |
| Loan loss allowance to noncurrent loans | 35.6974% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 4,222 |
| Noncurrent loans to loans | 0.3862% | 4,069 |
| Net loans and leases to total assets | 72.8496% | 1,911 |
| Net loans and leases to deposits | 131.1420% | 42 |
| Net loans and leases to core deposits | 146.0337% | 132 |
| Total domestic deposits to total assets | 55.5502% | 6,117 |
| Equity capital to assets | 13.9311% | 957 |
| Core capital (leverage) ratio | 11.2577% | 2,153 |
| Tier 1 risk-based capital ratio | 30.6207% | 480 |
| Total risk-based capital ratio | 30.8427% | 515 |
| Memoranda: | ||
| Average total assets | $9,455,955,600 | 117 |
| Average earning assets | $9,041,740,600 | 107 |
| Average equity | $1,288,387,200 | 111 |
| Average total loans | $6,492,102,000 | 118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2634% | 5,481 |
| Cost of funding earning assets | 1.1997% | 57 |
| Net interest margin | 2.0637% | 6,120 |
| Noninterest income to average assets | 0.2199% | 5,339 |
| Noninterest expense to average assets | 0.9904% | 6,213 |
| Loan and lease loss provision to assets | 0.0084% | 4,096 |
| Net operating income to assets | 0.8037% | 3,415 |
| Return on assets (ROA) | 0.8037% | 3,509 |
| Pretax return on assets | 1.1965% | 2,836 |
| Return on Equity (ROE) | 5.9304% | 4,183 |
| Retained earnings to average equity (ytd only) | -3.8971% | 5,984 |
| Net charge-offs to loans | 0.0093% | 3,838 |
| Credit loss provision to net charge-offs | 132.3009% | 1,856 |
| Earnings coverage of net charge-offs (x) | 190.5779% | 376 |
| Efficiency ratio | 45.1156% | 5,996 |
| Assets per employee ($millions) | 15.1479% | 79 |
| Cash dividends to net income (ytd only)* | 165.7135% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1423% | 6,193 |
| Loan loss allowance to noncurrent loans | 36.3458% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 4,538 |
| Noncurrent loans to loans | 0.3916% | 4,211 |
| Net loans and leases to total assets | 67.1822% | 2,826 |
| Net loans and leases to deposits | 132.2376% | 37 |
| Net loans and leases to core deposits | 146.3674% | 126 |
| Total domestic deposits to total assets | 50.8041% | 6,212 |
| Equity capital to assets | 12.9235% | 1,486 |
| Core capital (leverage) ratio | 11.3044% | 2,191 |
| Tier 1 risk-based capital ratio | 30.0387% | 524 |
| Total risk-based capital ratio | 30.2627% | 558 |
| Memoranda: | ||
| Average total assets | $9,532,654,750 | 120 |
| Average earning assets | $9,124,263,500 | 110 |
| Average equity | $1,291,839,000 | 111 |
| Average total loans | $6,446,545,250 | 117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 5,452 |
| Cost of funding earning assets | 1.2228% | 53 |
| Net interest margin | 2.0703% | 6,184 |
| Noninterest income to average assets | 0.2190% | 5,391 |
| Noninterest expense to average assets | 0.9688% | 6,294 |
| Loan and lease loss provision to assets | 0.0127% | 3,864 |
| Net operating income to assets | 0.8223% | 3,264 |
| Return on assets (ROA) | 0.8223% | 3,370 |
| Pretax return on assets | 1.2206% | 2,694 |
| Return on Equity (ROE) | 5.9713% | 4,138 |
| Retained earnings to average equity (ytd only) | -5.6923% | 6,047 |
| Net charge-offs to loans | 0.0092% | 3,585 |
| Credit loss provision to net charge-offs | 203.4014% | 1,213 |
| Earnings coverage of net charge-offs (x) | 197.6429% | 353 |
| Efficiency ratio | 43.9943% | 6,112 |
| Assets per employee ($millions) | 13.8741% | 97 |
| Cash dividends to net income (ytd only)* | 195.3282% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1476% | 6,263 |
| Loan loss allowance to noncurrent loans | 38.1522% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 4,562 |
| Noncurrent loans to loans | 0.3868% | 4,322 |
| Net loans and leases to total assets | 70.9463% | 2,168 |
| Net loans and leases to deposits | 130.4303% | 40 |
| Net loans and leases to core deposits | 144.4381% | 139 |
| Total domestic deposits to total assets | 54.3940% | 6,276 |
| Equity capital to assets | 13.9144% | 1,008 |
| Core capital (leverage) ratio | 11.2551% | 2,205 |
| Tier 1 risk-based capital ratio | 30.7671% | 501 |
| Total risk-based capital ratio | 31.0005% | 550 |
| Memoranda: | ||
| Average total assets | $9,423,110,670 | 123 |
| Average earning assets | $9,026,021,670 | 114 |
| Average equity | $1,297,642,670 | 113 |
| Average total loans | $6,383,903,670 | 118 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 5,585 |
| Cost of funding earning assets | 1.2023% | 59 |
| Net interest margin | 2.0332% | 6,263 |
| Noninterest income to average assets | 0.2195% | 5,385 |
| Noninterest expense to average assets | 0.9500% | 6,371 |
| Loan and lease loss provision to assets | 0.0115% | 3,578 |
| Net operating income to assets | 0.8037% | 3,242 |
| Return on assets (ROA) | 0.8037% | 3,365 |
| Pretax return on assets | 1.2084% | 2,631 |
| Return on Equity (ROE) | 5.8653% | 4,099 |
| Retained earnings to average equity (ytd only) | -0.3898% | 5,449 |
| Net charge-offs to loans | 0.0105% | 2,980 |
| Credit loss provision to net charge-offs | 165.6627% | 1,184 |
| Earnings coverage of net charge-offs (x) | 175.5723% | 314 |
| Efficiency ratio | 43.7811% | 6,187 |
| Assets per employee ($millions) | 14.9433% | 76 |
| Cash dividends to net income (ytd only)* | 106.6458% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1476% | 6,335 |
| Loan loss allowance to noncurrent loans | 33.5701% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 4,688 |
| Noncurrent loans to loans | 0.4395% | 4,280 |
| Net loans and leases to total assets | 63.3878% | 3,179 |
| Net loans and leases to deposits | 126.6557% | 48 |
| Net loans and leases to core deposits | 140.2454% | 153 |
| Total domestic deposits to total assets | 50.0473% | 6,361 |
| Equity capital to assets | 13.0482% | 1,372 |
| Core capital (leverage) ratio | 11.6181% | 1,916 |
| Tier 1 risk-based capital ratio | 31.7317% | 469 |
| Total risk-based capital ratio | 31.9612% | 501 |
| Memoranda: | ||
| Average total assets | $9,556,225,000 | 119 |
| Average earning assets | $9,167,297,000 | 110 |
| Average equity | $1,309,399,500 | 111 |
| Average total loans | $6,322,821,000 | 118 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3156% | 5,680 |
| Cost of funding earning assets | 1.2058% | 81 |
| Net interest margin | 2.1098% | 6,339 |
| Noninterest income to average assets | 0.2377% | 5,432 |
| Noninterest expense to average assets | 0.9680% | 6,452 |
| Loan and lease loss provision to assets | 0.0115% | 4,389 |
| Net operating income to assets | 0.8666% | 3,039 |
| Return on assets (ROA) | 0.8666% | 3,132 |
| Pretax return on assets | 1.2799% | 2,308 |
| Return on Equity (ROE) | 6.0816% | 4,103 |
| Retained earnings to average equity (ytd only) | -2.5231% | 6,055 |
| Net charge-offs to loans | 0.0112% | 4,682 |
| Credit loss provision to net charge-offs | 154.8621% | 1,567 |
| Earnings coverage of net charge-offs (x) | 173.4311% | 309 |
| Efficiency ratio | 42.8442% | 6,351 |
| Assets per employee ($millions) | 13.4379% | 100 |
| Cash dividends to net income (ytd only)* | 141.4871% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1483% | 6,428 |
| Loan loss allowance to noncurrent loans | 33.7533% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 4,640 |
| Noncurrent loans to loans | 0.4392% | 4,327 |
| Net loans and leases to total assets | 69.0322% | 2,392 |
| Net loans and leases to deposits | 129.1303% | 46 |
| Net loans and leases to core deposits | 142.1815% | 148 |
| Total domestic deposits to total assets | 53.4594% | 6,442 |
| Equity capital to assets | 14.4259% | 833 |
| Core capital (leverage) ratio | 14.3601% | 739 |
| Tier 1 risk-based capital ratio | 33.2003% | 392 |
| Total risk-based capital ratio | 33.4376% | 416 |
| Memoranda: | ||
| Average total assets | $9,253,169,400 | 118 |
| Average earning assets | $8,866,722,000 | 112 |
| Average equity | $1,318,475,400 | 107 |
| Average total loans | $6,150,302,400 | 116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2741% | 5,801 |
| Cost of funding earning assets | 1.1908% | 92 |
| Net interest margin | 2.0832% | 6,424 |
| Noninterest income to average assets | 0.2430% | 5,460 |
| Noninterest expense to average assets | 0.9583% | 6,531 |
| Loan and lease loss provision to assets | 0.0128% | 4,161 |
| Net operating income to assets | 0.8561% | 3,147 |
| Return on assets (ROA) | 0.8561% | 3,239 |
| Pretax return on assets | 1.2681% | 2,499 |
| Return on Equity (ROE) | 6.0265% | 4,218 |
| Retained earnings to average equity (ytd only) | -3.3916% | 6,170 |
| Net charge-offs to loans | 0.0127% | 4,299 |
| Credit loss provision to net charge-offs | 152.8205% | 1,557 |
| Earnings coverage of net charge-offs (x) | 152.7129% | 411 |
| Efficiency ratio | 42.7947% | 6,401 |
| Assets per employee ($millions) | 13.7997% | 97 |
| Cash dividends to net income (ytd only)* | 156.2772% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1478% | 6,508 |
| Loan loss allowance to noncurrent loans | 36.9627% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 5,091 |
| Noncurrent loans to loans | 0.3999% | 4,708 |
| Net loans and leases to total assets | 63.0848% | 3,331 |
| Net loans and leases to deposits | 127.9954% | 51 |
| Net loans and leases to core deposits | 140.6987% | 148 |
| Total domestic deposits to total assets | 49.2868% | 6,529 |
| Equity capital to assets | 13.2213% | 1,316 |
| Core capital (leverage) ratio | 13.1599% | 1,119 |
| Tier 1 risk-based capital ratio | 32.9634% | 415 |
| Total risk-based capital ratio | 33.1974% | 434 |
| Memoranda: | ||
| Average total assets | $9,298,818,500 | 119 |
| Average earning assets | $8,910,475,500 | 111 |
| Average equity | $1,320,966,250 | 108 |
| Average total loans | $6,120,149,000 | 117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3027% | 5,787 |
| Cost of funding earning assets | 1.2094% | 87 |
| Net interest margin | 2.0934% | 6,494 |
| Noninterest income to average assets | 0.2372% | 5,501 |
| Noninterest expense to average assets | 0.9525% | 6,600 |
| Loan and lease loss provision to assets | 0.0103% | 4,035 |
| Net operating income to assets | 0.8692% | 2,961 |
| Return on assets (ROA) | 0.8692% | 3,053 |
| Pretax return on assets | 1.2836% | 2,321 |
| Return on Equity (ROE) | 5.9688% | 4,167 |
| Retained earnings to average equity (ytd only) | -5.1070% | 6,244 |
| Net charge-offs to loans | 0.0100% | 4,065 |
| Credit loss provision to net charge-offs | 153.6184% | 1,439 |
| Earnings coverage of net charge-offs (x) | 193.7632% | 332 |
| Efficiency ratio | 42.4001% | 6,470 |
| Assets per employee ($millions) | 13.2754% | 101 |
| Cash dividends to net income (ytd only)* | 185.5616% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1479% | 6,578 |
| Loan loss allowance to noncurrent loans | 34.4289% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 5,069 |
| Noncurrent loans to loans | 0.4295% | 4,701 |
| Net loans and leases to total assets | 67.7340% | 2,455 |
| Net loans and leases to deposits | 126.3738% | 50 |
| Net loans and leases to core deposits | 138.8788% | 143 |
| Total domestic deposits to total assets | 53.5981% | 6,590 |
| Equity capital to assets | 14.4161% | 843 |
| Core capital (leverage) ratio | 14.3490% | 743 |
| Tier 1 risk-based capital ratio | 33.4721% | 395 |
| Total risk-based capital ratio | 33.7063% | 421 |
| Memoranda: | ||
| Average total assets | $9,104,885,330 | 119 |
| Average earning assets | $8,738,664,000 | 110 |
| Average equity | $1,325,838,000 | 108 |
| Average total loans | $6,079,399,670 | 118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2948% | 5,855 |
| Cost of funding earning assets | 1.2159% | 91 |
| Net interest margin | 2.0789% | 6,567 |
| Noninterest income to average assets | 0.2409% | 5,430 |
| Noninterest expense to average assets | 0.9374% | 6,682 |
| Loan and lease loss provision to assets | 0.0070% | 3,731 |
| Net operating income to assets | 0.8622% | 2,843 |
| Return on assets (ROA) | 0.8622% | 2,906 |
| Pretax return on assets | 1.2904% | 2,125 |
| Return on Equity (ROE) | 5.8918% | 4,074 |
| Retained earnings to average equity (ytd only) | 0.5805% | 5,351 |
| Net charge-offs to loans | 0.0074% | 3,496 |
| Credit loss provision to net charge-offs | 142.8571% | 1,298 |
| Earnings coverage of net charge-offs (x) | 264.4196% | 178 |
| Efficiency ratio | 41.9450% | 6,553 |
| Assets per employee ($millions) | 13.6910% | 94 |
| Cash dividends to net income (ytd only)* | 90.1479% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1479% | 6,649 |
| Loan loss allowance to noncurrent loans | 31.1744% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,097 |
| Noncurrent loans to loans | 0.4744% | 4,741 |
| Net loans and leases to total assets | 66.2953% | 2,511 |
| Net loans and leases to deposits | 124.0317% | 52 |
| Net loans and leases to core deposits | 135.9408% | 149 |
| Total domestic deposits to total assets | 53.4502% | 6,661 |
| Equity capital to assets | 14.6508% | 751 |
| Core capital (leverage) ratio | 14.6038% | 674 |
| Tier 1 risk-based capital ratio | 34.5909% | 363 |
| Total risk-based capital ratio | 34.8236% | 393 |
| Memoranda: | ||
| Average total assets | $9,130,413,500 | 119 |
| Average earning assets | $8,757,197,000 | 110 |
| Average equity | $1,336,151,500 | 105 |
| Average total loans | $6,048,298,500 | 119 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,970 |
| Cost of funding earning assets | 1.3380% | 92 |
| Net interest margin | 1.9831% | 6,649 |
| Noninterest income to average assets | 0.2398% | 5,630 |
| Noninterest expense to average assets | 1.0094% | 6,751 |
| Loan and lease loss provision to assets | -0.0085% | 6,270 |
| Net operating income to assets | 0.7507% | 3,548 |
| Return on assets (ROA) | 0.7507% | 3,643 |
| Pretax return on assets | 1.1390% | 2,811 |
| Return on Equity (ROE) | 5.0809% | 4,583 |
| Retained earnings to average equity (ytd only) | -2.6093% | 6,233 |
| Net charge-offs to loans | 0.0132% | 5,190 |
| Credit loss provision to net charge-offs | -101.6839% | 5,884 |
| Earnings coverage of net charge-offs (x) | 135.4184% | 343 |
| Efficiency ratio | 47.1690% | 6,515 |
| Assets per employee ($millions) | 13.7071% | 98 |
| Cash dividends to net income (ytd only)* | 151.3548% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1478% | 6,721 |
| Loan loss allowance to noncurrent loans | 32.1070% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 5,239 |
| Noncurrent loans to loans | 0.4604% | 4,845 |
| Net loans and leases to total assets | 65.9956% | 2,690 |
| Net loans and leases to deposits | 124.3486% | 50 |
| Net loans and leases to core deposits | 136.2268% | 150 |
| Total domestic deposits to total assets | 53.0731% | 6,745 |
| Equity capital to assets | 14.6173% | 754 |
| Core capital (leverage) ratio | 14.5744% | 672 |
| Tier 1 risk-based capital ratio | 34.5206% | 346 |
| Total risk-based capital ratio | 34.7521% | 373 |
| Memoranda: | ||
| Average total assets | $9,247,125,200 | 119 |
| Average earning assets | $8,860,385,600 | 111 |
| Average equity | $1,366,313,800 | 104 |
| Average total loans | $5,836,398,800 | 119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 6,012 |
| Cost of funding earning assets | 1.3505% | 96 |
| Net interest margin | 1.9753% | 6,731 |
| Noninterest income to average assets | 0.2435% | 5,692 |
| Noninterest expense to average assets | 1.0194% | 6,829 |
| Loan and lease loss provision to assets | -0.0187% | 6,483 |
| Net operating income to assets | 0.7428% | 3,638 |
| Return on assets (ROA) | 0.7428% | 3,762 |
| Pretax return on assets | 1.1353% | 2,964 |
| Return on Equity (ROE) | 5.0138% | 4,718 |
| Retained earnings to average equity (ytd only) | -0.1384% | 5,965 |
| Net charge-offs to loans | 0.0082% | 4,991 |
| Credit loss provision to net charge-offs | -366.1972% | 5,993 |
| Earnings coverage of net charge-offs (x) | 218.8570% | 267 |
| Efficiency ratio | 47.7231% | 6,511 |
| Assets per employee ($millions) | 13.8675% | 96 |
| Cash dividends to net income (ytd only)* | 102.7613% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1478% | 6,805 |
| Loan loss allowance to noncurrent loans | 33.2617% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 5,417 |
| Noncurrent loans to loans | 0.4444% | 5,089 |
| Net loans and leases to total assets | 64.7241% | 2,866 |
| Net loans and leases to deposits | 121.6618% | 61 |
| Net loans and leases to core deposits | 133.1525% | 155 |
| Total domestic deposits to total assets | 53.2001% | 6,825 |
| Equity capital to assets | 14.8830% | 733 |
| Core capital (leverage) ratio | 14.8152% | 668 |
| Tier 1 risk-based capital ratio | 35.6331% | 324 |
| Total risk-based capital ratio | 35.8638% | 343 |
| Memoranda: | ||
| Average total assets | $9,276,673,500 | 119 |
| Average earning assets | $8,887,963,250 | 111 |
| Average equity | $1,374,291,000 | 104 |
| Average total loans | $5,787,094,250 | 117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 6,001 |
| Cost of funding earning assets | 1.3717% | 99 |
| Net interest margin | 1.9803% | 6,773 |
| Noninterest income to average assets | 0.2405% | 5,729 |
| Noninterest expense to average assets | 0.9817% | 6,883 |
| Loan and lease loss provision to assets | -0.0172% | 6,591 |
| Net operating income to assets | 0.7681% | 3,478 |
| Return on assets (ROA) | 0.7681% | 3,635 |
| Pretax return on assets | 1.1715% | 2,802 |
| Return on Equity (ROE) | 5.1924% | 4,622 |
| Retained earnings to average equity (ytd only) | 0.0804% | 5,825 |
| Net charge-offs to loans | 0.0153% | 4,535 |
| Credit loss provision to net charge-offs | -182.6484% | 5,715 |
| Earnings coverage of net charge-offs (x) | 122.5434% | 396 |
| Efficiency ratio | 45.9591% | 6,638 |
| Assets per employee ($millions) | 13.8632% | 96 |
| Cash dividends to net income (ytd only)* | 98.4515% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1592% | 6,847 |
| Loan loss allowance to noncurrent loans | 34.8958% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 5,448 |
| Noncurrent loans to loans | 0.4563% | 5,121 |
| Net loans and leases to total assets | 62.5554% | 3,190 |
| Net loans and leases to deposits | 118.7453% | 73 |
| Net loans and leases to core deposits | 129.9225% | 189 |
| Total domestic deposits to total assets | 52.6803% | 6,873 |
| Equity capital to assets | 14.7952% | 759 |
| Core capital (leverage) ratio | 14.7278% | 662 |
| Tier 1 risk-based capital ratio | 36.0118% | 302 |
| Total risk-based capital ratio | 36.2560% | 331 |
| Memoranda: | ||
| Average total assets | $9,299,561,000 | 118 |
| Average earning assets | $8,901,468,330 | 110 |
| Average equity | $1,375,579,330 | 106 |
| Average total loans | $5,726,583,000 | 118 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3785% | 5,988 |
| Cost of funding earning assets | 1.4027% | 93 |
| Net interest margin | 1.9758% | 6,852 |
| Noninterest income to average assets | 0.2441% | 5,707 |
| Noninterest expense to average assets | 0.9682% | 6,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7626% | 3,367 |
| Return on assets (ROA) | 0.7626% | 3,509 |
| Pretax return on assets | 1.1644% | 2,704 |
| Return on Equity (ROE) | 5.1562% | 4,490 |
| Retained earnings to average equity (ytd only) | 0.1085% | 5,743 |
| Net charge-offs to loans | 0.0285% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 66.9802% | 538 |
| Efficiency ratio | 45.4009% | 6,714 |
| Assets per employee ($millions) | 13.9411% | 103 |
| Cash dividends to net income (ytd only)* | 97.8950% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1759% | 6,919 |
| Loan loss allowance to noncurrent loans | 38.1428% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 5,537 |
| Noncurrent loans to loans | 0.4612% | 5,268 |
| Net loans and leases to total assets | 60.8329% | 3,281 |
| Net loans and leases to deposits | 115.4508% | 88 |
| Net loans and leases to core deposits | 125.6620% | 207 |
| Total domestic deposits to total assets | 52.6916% | 6,946 |
| Equity capital to assets | 14.6691% | 833 |
| Core capital (leverage) ratio | 14.5073% | 672 |
| Tier 1 risk-based capital ratio | 35.8528% | 318 |
| Total risk-based capital ratio | 36.1182% | 346 |
| Memoranda: | ||
| Average total assets | $9,319,033,000 | 119 |
| Average earning assets | $8,907,507,500 | 114 |
| Average equity | $1,378,306,500 | 104 |
| Average total loans | $5,688,747,000 | 122 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5992% | 6,229 |
| Cost of funding earning assets | 1.5528% | 129 |
| Net interest margin | 2.0463% | 6,917 |
| Noninterest income to average assets | 0.2152% | 5,885 |
| Noninterest expense to average assets | 0.9604% | 7,019 |
| Loan and lease loss provision to assets | 0.0187% | 5,671 |
| Net operating income to assets | 0.7770% | 3,384 |
| Return on assets (ROA) | 0.7770% | 3,638 |
| Pretax return on assets | 1.2035% | 2,797 |
| Return on Equity (ROE) | 5.2130% | 4,586 |
| Retained earnings to average equity (ytd only) | -1.2522% | 6,050 |
| Net charge-offs to loans | 0.0623% | 5,072 |
| Credit loss provision to net charge-offs | 51.5314% | 4,662 |
| Earnings coverage of net charge-offs (x) | 33.7401% | 924 |
| Efficiency ratio | 44.0032% | 6,850 |
| Assets per employee ($millions) | 13.8350% | 110 |
| Cash dividends to net income (ytd only)* | 124.0210% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1854% | 6,969 |
| Loan loss allowance to noncurrent loans | 36.3532% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 5,553 |
| Noncurrent loans to loans | 0.5100% | 5,260 |
| Net loans and leases to total assets | 61.0371% | 3,412 |
| Net loans and leases to deposits | 116.5208% | 94 |
| Net loans and leases to core deposits | 126.4400% | 216 |
| Total domestic deposits to total assets | 52.3830% | 7,007 |
| Equity capital to assets | 14.9134% | 762 |
| Core capital (leverage) ratio | 14.7251% | 623 |
| Tier 1 risk-based capital ratio | 36.3133% | 306 |
| Total risk-based capital ratio | 36.5934% | 328 |
| Memoranda: | ||
| Average total assets | $9,284,155,200 | 119 |
| Average earning assets | $8,925,704,000 | 112 |
| Average equity | $1,383,800,200 | 101 |
| Average total loans | $5,394,040,600 | 122 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 6,351 |
| Cost of funding earning assets | 1.5797% | 140 |
| Net interest margin | 2.0500% | 7,021 |
| Noninterest income to average assets | 0.2140% | 6,008 |
| Noninterest expense to average assets | 0.9366% | 7,128 |
| Loan and lease loss provision to assets | 0.0215% | 5,527 |
| Net operating income to assets | 0.7853% | 3,529 |
| Return on assets (ROA) | 0.7853% | 3,770 |
| Pretax return on assets | 1.2275% | 2,880 |
| Return on Equity (ROE) | 5.2693% | 4,701 |
| Retained earnings to average equity (ytd only) | -1.6666% | 6,357 |
| Net charge-offs to loans | 0.0627% | 4,795 |
| Credit loss provision to net charge-offs | 59.8325% | 4,148 |
| Earnings coverage of net charge-offs (x) | 34.7320% | 975 |
| Efficiency ratio | 42.8516% | 6,933 |
| Assets per employee ($millions) | 13.7636% | 108 |
| Cash dividends to net income (ytd only)* | 131.6290% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1975% | 7,076 |
| Loan loss allowance to noncurrent loans | 34.8028% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 5,608 |
| Noncurrent loans to loans | 0.5675% | 5,305 |
| Net loans and leases to total assets | 60.1938% | 3,743 |
| Net loans and leases to deposits | 114.0422% | 109 |
| Net loans and leases to core deposits | 123.7806% | 251 |
| Total domestic deposits to total assets | 52.7820% | 7,105 |
| Equity capital to assets | 14.8032% | 872 |
| Core capital (leverage) ratio | 14.5809% | 689 |
| Tier 1 risk-based capital ratio | 36.4412% | 317 |
| Total risk-based capital ratio | 36.7397% | 334 |
| Memoranda: | ||
| Average total assets | $9,294,748,750 | 117 |
| Average earning assets | $8,939,206,000 | 110 |
| Average equity | $1,385,185,000 | 102 |
| Average total loans | $5,329,702,250 | 122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 6,384 |
| Cost of funding earning assets | 1.6072% | 149 |
| Net interest margin | 2.0642% | 7,084 |
| Noninterest income to average assets | 0.2185% | 6,002 |
| Noninterest expense to average assets | 0.9106% | 7,199 |
| Loan and lease loss provision to assets | 0.0323% | 5,267 |
| Net operating income to assets | 0.8041% | 3,379 |
| Return on assets (ROA) | 0.8041% | 3,634 |
| Pretax return on assets | 1.2605% | 2,689 |
| Return on Equity (ROE) | 5.3835% | 4,634 |
| Retained earnings to average equity (ytd only) | -2.3681% | 6,397 |
| Net charge-offs to loans | 0.0699% | 4,450 |
| Credit loss provision to net charge-offs | 81.9672% | 3,261 |
| Earnings coverage of net charge-offs (x) | 32.8038% | 1,015 |
| Efficiency ratio | 41.3267% | 7,037 |
| Assets per employee ($millions) | 14.0715% | 97 |
| Cash dividends to net income (ytd only)* | 143.9874% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2255% | 7,142 |
| Loan loss allowance to noncurrent loans | 45.4202% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 5,817 |
| Noncurrent loans to loans | 0.4965% | 5,542 |
| Net loans and leases to total assets | 56.0191% | 4,466 |
| Net loans and leases to deposits | 106.2604% | 223 |
| Net loans and leases to core deposits | 115.3128% | 412 |
| Total domestic deposits to total assets | 52.7187% | 7,171 |
| Equity capital to assets | 14.8308% | 825 |
| Core capital (leverage) ratio | 14.6108% | 676 |
| Tier 1 risk-based capital ratio | 37.7226% | 286 |
| Total risk-based capital ratio | 38.0503% | 306 |
| Memoranda: | ||
| Average total assets | $9,287,020,000 | 117 |
| Average earning assets | $8,930,259,330 | 109 |
| Average equity | $1,387,127,670 | 100 |
| Average total loans | $5,232,963,670 | 122 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 6,357 |
| Cost of funding earning assets | 1.6391% | 158 |
| Net interest margin | 2.1069% | 7,130 |
| Noninterest income to average assets | 0.2160% | 6,069 |
| Noninterest expense to average assets | 0.8948% | 7,265 |
| Loan and lease loss provision to assets | 0.0647% | 4,617 |
| Net operating income to assets | 0.8207% | 3,296 |
| Return on assets (ROA) | 0.8207% | 3,530 |
| Pretax return on assets | 1.2822% | 2,599 |
| Return on Equity (ROE) | 5.4756% | 4,560 |
| Retained earnings to average equity (ytd only) | -4.5091% | 6,548 |
| Net charge-offs to loans | 0.0800% | 3,695 |
| Credit loss provision to net charge-offs | 143.1298% | 1,720 |
| Earnings coverage of net charge-offs (x) | 29.8158% | 923 |
| Efficiency ratio | 39.9154% | 7,110 |
| Assets per employee ($millions) | 14.1451% | 103 |
| Cash dividends to net income (ytd only)* | 182.3486% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2398% | 7,193 |
| Loan loss allowance to noncurrent loans | 41.2027% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 5,732 |
| Noncurrent loans to loans | 0.5820% | 5,502 |
| Net loans and leases to total assets | 55.6258% | 4,451 |
| Net loans and leases to deposits | 104.5354% | 238 |
| Net loans and leases to core deposits | 113.0746% | 445 |
| Total domestic deposits to total assets | 53.2125% | 7,232 |
| Equity capital to assets | 14.7269% | 797 |
| Core capital (leverage) ratio | 14.5010% | 688 |
| Tier 1 risk-based capital ratio | 37.5951% | 277 |
| Total risk-based capital ratio | 37.9427% | 290 |
| Memoranda: | ||
| Average total assets | $9,279,887,000 | 116 |
| Average earning assets | $8,922,087,000 | 110 |
| Average equity | $1,390,964,000 | 99 |
| Average total loans | $5,238,307,500 | 122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 6,695 |
| Cost of funding earning assets | 1.9278% | 132 |
| Net interest margin | 1.9013% | 7,243 |
| Noninterest income to average assets | 0.2232% | 5,933 |
| Noninterest expense to average assets | 0.9204% | 7,300 |
| Loan and lease loss provision to assets | 0.0423% | 6,044 |
| Net operating income to assets | 0.7175% | 3,403 |
| Return on assets (ROA) | 0.7175% | 3,575 |
| Pretax return on assets | 1.0892% | 2,877 |
| Return on Equity (ROE) | 4.8141% | 4,472 |
| Retained earnings to average equity (ytd only) | 0.3225% | 5,683 |
| Net charge-offs to loans | 0.0426% | 5,882 |
| Credit loss provision to net charge-offs | 179.5455% | 1,454 |
| Earnings coverage of net charge-offs (x) | 47.9827% | 579 |
| Efficiency ratio | 44.7586% | 7,098 |
| Assets per employee ($millions) | 13.6217% | 109 |
| Cash dividends to net income (ytd only)* | 93.3014% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2311% | 7,247 |
| Loan loss allowance to noncurrent loans | 46.6893% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 5,958 |
| Noncurrent loans to loans | 0.4949% | 5,720 |
| Net loans and leases to total assets | 57.0212% | 4,540 |
| Net loans and leases to deposits | 110.2154% | 168 |
| Net loans and leases to core deposits | 117.9765% | 398 |
| Total domestic deposits to total assets | 51.7361% | 7,280 |
| Equity capital to assets | 15.2576% | 729 |
| Core capital (leverage) ratio | 15.0392% | 599 |
| Tier 1 risk-based capital ratio | 37.7335% | 276 |
| Total risk-based capital ratio | 38.0664% | 291 |
| Memoranda: | ||
| Average total assets | $9,329,154,000 | 117 |
| Average earning assets | $8,973,403,400 | 106 |
| Average equity | $1,390,472,400 | 93 |
| Average total loans | $5,164,258,800 | 121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 6,806 |
| Cost of funding earning assets | 1.9649% | 136 |
| Net interest margin | 1.8643% | 7,326 |
| Noninterest income to average assets | 0.2269% | 5,993 |
| Noninterest expense to average assets | 0.9300% | 7,380 |
| Loan and lease loss provision to assets | 0.0485% | 5,839 |
| Net operating income to assets | 0.6906% | 3,674 |
| Return on assets (ROA) | 0.6906% | 3,841 |
| Pretax return on assets | 1.0427% | 3,238 |
| Return on Equity (ROE) | 4.6602% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.2770% | 5,871 |
| Net charge-offs to loans | 0.0541% | 5,429 |
| Credit loss provision to net charge-offs | 163.3924% | 1,874 |
| Earnings coverage of net charge-offs (x) | 36.7441% | 818 |
| Efficiency ratio | 45.9026% | 7,065 |
| Assets per employee ($millions) | 13.5682% | 117 |
| Cash dividends to net income (ytd only)* | 94.0550% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2268% | 7,324 |
| Loan loss allowance to noncurrent loans | 49.1521% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 6,111 |
| Noncurrent loans to loans | 0.4614% | 5,926 |
| Net loans and leases to total assets | 56.5827% | 4,748 |
| Net loans and leases to deposits | 109.9404% | 179 |
| Net loans and leases to core deposits | 117.6565% | 448 |
| Total domestic deposits to total assets | 51.4667% | 7,354 |
| Equity capital to assets | 15.3302% | 763 |
| Core capital (leverage) ratio | 15.1091% | 644 |
| Tier 1 risk-based capital ratio | 37.9356% | 284 |
| Total risk-based capital ratio | 38.2600% | 293 |
| Memoranda: | ||
| Average total assets | $9,369,587,000 | 113 |
| Average earning assets | $9,017,815,750 | 106 |
| Average equity | $1,388,409,500 | 92 |
| Average total loans | $5,145,453,250 | 122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 6,926 |
| Cost of funding earning assets | 1.9659% | 160 |
| Net interest margin | 1.8252% | 7,403 |
| Noninterest income to average assets | 0.2099% | 6,163 |
| Noninterest expense to average assets | 0.9080% | 7,460 |
| Loan and lease loss provision to assets | 0.0372% | 5,846 |
| Net operating income to assets | 0.6813% | 3,640 |
| Return on assets (ROA) | 0.6813% | 3,761 |
| Pretax return on assets | 1.0224% | 3,149 |
| Return on Equity (ROE) | 4.6491% | 4,616 |
| Retained earnings to average equity (ytd only) | -1.9373% | 6,240 |
| Net charge-offs to loans | 0.0460% | 5,206 |
| Credit loss provision to net charge-offs | 148.9002% | 2,055 |
| Earnings coverage of net charge-offs (x) | 42.3942% | 714 |
| Efficiency ratio | 46.0150% | 7,156 |
| Assets per employee ($millions) | 13.6343% | 116 |
| Cash dividends to net income (ytd only)* | 141.6693% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2131% | 7,388 |
| Loan loss allowance to noncurrent loans | 43.7376% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,173 |
| Noncurrent loans to loans | 0.4872% | 5,930 |
| Net loans and leases to total assets | 56.0367% | 4,989 |
| Net loans and leases to deposits | 110.1827% | 176 |
| Net loans and leases to core deposits | 118.4138% | 461 |
| Total domestic deposits to total assets | 50.8580% | 7,422 |
| Equity capital to assets | 14.9567% | 835 |
| Core capital (leverage) ratio | 14.7302% | 721 |
| Tier 1 risk-based capital ratio | 37.3385% | 295 |
| Total risk-based capital ratio | 37.6433% | 308 |
| Memoranda: | ||
| Average total assets | $9,458,024,330 | 114 |
| Average earning assets | $9,108,788,670 | 106 |
| Average equity | $1,385,976,670 | 94 |
| Average total loans | $5,139,553,330 | 121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 7,086 |
| Cost of funding earning assets | 1.9574% | 192 |
| Net interest margin | 1.7186% | 7,471 |
| Noninterest income to average assets | 0.1964% | 6,317 |
| Noninterest expense to average assets | 0.8718% | 7,526 |
| Loan and lease loss provision to assets | 0.0217% | 5,682 |
| Net operating income to assets | 0.6433% | 3,785 |
| Return on assets (ROA) | 0.6433% | 3,859 |
| Pretax return on assets | 0.9593% | 3,287 |
| Return on Equity (ROE) | 4.4343% | 4,688 |
| Retained earnings to average equity (ytd only) | -0.0066% | 5,797 |
| Net charge-offs to loans | 0.0339% | 4,624 |
| Credit loss provision to net charge-offs | 119.8157% | 2,281 |
| Earnings coverage of net charge-offs (x) | 54.1267% | 545 |
| Efficiency ratio | 46.8716% | 7,162 |
| Assets per employee ($millions) | 13.7208% | 116 |
| Cash dividends to net income (ytd only)* | 100.1493% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2082% | 7,440 |
| Loan loss allowance to noncurrent loans | 39.0613% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 6,177 |
| Noncurrent loans to loans | 0.5329% | 5,963 |
| Net loans and leases to total assets | 54.5650% | 5,224 |
| Net loans and leases to deposits | 104.3128% | 304 |
| Net loans and leases to core deposits | 115.9996% | 534 |
| Total domestic deposits to total assets | 52.3090% | 7,478 |
| Equity capital to assets | 14.8747% | 791 |
| Core capital (leverage) ratio | 14.6541% | 719 |
| Tier 1 risk-based capital ratio | 37.6723% | 281 |
| Total risk-based capital ratio | 37.9663% | 300 |
| Memoranda: | ||
| Average total assets | $9,578,647,500 | 114 |
| Average earning assets | $9,232,251,000 | 105 |
| Average equity | $1,389,703,500 | 94 |
| Average total loans | $5,121,428,000 | 125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 6,748 |
| Cost of funding earning assets | 2.3682% | 173 |
| Net interest margin | 1.9527% | 7,469 |
| Noninterest income to average assets | 0.2755% | 5,815 |
| Noninterest expense to average assets | 0.9807% | 7,582 |
| Loan and lease loss provision to assets | 0.0733% | 6,417 |
| Net operating income to assets | 0.7063% | 3,207 |
| Return on assets (ROA) | 0.7063% | 3,333 |
| Pretax return on assets | 1.0958% | 2,594 |
| Return on Equity (ROE) | 6.3641% | 3,415 |
| Retained earnings to average equity (ytd only) | -1.0851% | 5,816 |
| Net charge-offs to loans | 0.0747% | 6,054 |
| Credit loss provision to net charge-offs | 162.2250% | 2,140 |
| Earnings coverage of net charge-offs (x) | 25.8759% | 828 |
| Efficiency ratio | 45.3958% | 7,377 |
| Assets per employee ($millions) | 14.3471% | 105 |
| Cash dividends to net income (ytd only)* | 117.0508% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2083% | 7,522 |
| Loan loss allowance to noncurrent loans | 38.4441% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,283 |
| Noncurrent loans to loans | 0.5418% | 5,967 |
| Net loans and leases to total assets | 52.2045% | 5,885 |
| Net loans and leases to deposits | 96.0054% | 868 |
| Net loans and leases to core deposits | 106.4433% | 1,161 |
| Total domestic deposits to total assets | 54.3766% | 7,546 |
| Equity capital to assets | 14.1595% | 991 |
| Core capital (leverage) ratio | 13.9354% | 857 |
| Tier 1 risk-based capital ratio | 38.7225% | 264 |
| Total risk-based capital ratio | 39.0267% | 272 |
| Memoranda: | ||
| Average total assets | $8,753,450,400 | 122 |
| Average earning assets | $8,402,105,000 | 114 |
| Average equity | $971,493,400 | 122 |
| Average total loans | $5,295,249,800 | 121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 6,567 |
| Cost of funding earning assets | 2.4807% | 150 |
| Net interest margin | 2.0366% | 7,568 |
| Noninterest income to average assets | 0.3110% | 5,667 |
| Noninterest expense to average assets | 1.0183% | 7,691 |
| Loan and lease loss provision to assets | 0.0906% | 6,132 |
| Net operating income to assets | 0.7385% | 3,242 |
| Return on assets (ROA) | 0.7385% | 3,408 |
| Pretax return on assets | 1.1541% | 2,660 |
| Return on Equity (ROE) | 7.2309% | 3,239 |
| Retained earnings to average equity (ytd only) | -3.8985% | 6,451 |
| Net charge-offs to loans | 0.0835% | 5,693 |
| Credit loss provision to net charge-offs | 172.4798% | 2,139 |
| Earnings coverage of net charge-offs (x) | 23.7048% | 1,052 |
| Efficiency ratio | 44.7621% | 7,436 |
| Assets per employee ($millions) | 12.4212% | 155 |
| Cash dividends to net income (ytd only)* | 153.9144% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2037% | 7,640 |
| Loan loss allowance to noncurrent loans | 37.0750% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 6,297 |
| Noncurrent loans to loans | 0.5495% | 6,105 |
| Net loans and leases to total assets | 60.8637% | 4,745 |
| Net loans and leases to deposits | 112.2867% | 214 |
| Net loans and leases to core deposits | 122.3766% | 547 |
| Total domestic deposits to total assets | 54.2039% | 7,651 |
| Equity capital to assets | 10.0883% | 4,042 |
| Core capital (leverage) ratio | 9.7670% | 3,526 |
| Tier 1 risk-based capital ratio | 23.4980% | 1,002 |
| Total risk-based capital ratio | 23.7988% | 1,097 |
| Memoranda: | ||
| Average total assets | $8,488,460,750 | 126 |
| Average earning assets | $8,135,552,750 | 115 |
| Average equity | $866,984,500 | 129 |
| Average total loans | $5,335,629,500 | 117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 6,552 |
| Cost of funding earning assets | 2.5158% | 166 |
| Net interest margin | 2.0485% | 7,634 |
| Noninterest income to average assets | 0.3240% | 5,562 |
| Noninterest expense to average assets | 1.0041% | 7,773 |
| Loan and lease loss provision to assets | 0.1182% | 5,716 |
| Net operating income to assets | 0.7445% | 3,220 |
| Return on assets (ROA) | 0.7445% | 3,368 |
| Pretax return on assets | 1.1640% | 2,539 |
| Return on Equity (ROE) | 7.2598% | 3,193 |
| Retained earnings to average equity (ytd only) | -5.5194% | 6,613 |
| Net charge-offs to loans | 0.0905% | 5,234 |
| Credit loss provision to net charge-offs | 205.8268% | 1,891 |
| Earnings coverage of net charge-offs (x) | 22.3233% | 1,135 |
| Efficiency ratio | 43.6497% | 7,534 |
| Assets per employee ($millions) | 12.3724% | 148 |
| Cash dividends to net income (ytd only)* | 176.0272% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2029% | 7,708 |
| Loan loss allowance to noncurrent loans | 37.8485% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 6,405 |
| Noncurrent loans to loans | 0.5360% | 6,180 |
| Net loans and leases to total assets | 62.1605% | 4,652 |
| Net loans and leases to deposits | 116.5267% | 170 |
| Net loans and leases to core deposits | 127.2133% | 479 |
| Total domestic deposits to total assets | 53.3444% | 7,724 |
| Equity capital to assets | 10.0621% | 3,932 |
| Core capital (leverage) ratio | 9.6976% | 3,542 |
| Tier 1 risk-based capital ratio | 23.2370% | 1,037 |
| Total risk-based capital ratio | 23.5419% | 1,132 |
| Memoranda: | ||
| Average total assets | $8,485,909,670 | 126 |
| Average earning assets | $8,128,515,330 | 115 |
| Average equity | $870,274,670 | 126 |
| Average total loans | $5,386,970,330 | 116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 6,440 |
| Cost of funding earning assets | 2.5378% | 206 |
| Net interest margin | 2.1029% | 7,687 |
| Noninterest income to average assets | 0.2610% | 6,058 |
| Noninterest expense to average assets | 1.0258% | 7,872 |
| Loan and lease loss provision to assets | 0.1515% | 5,027 |
| Net operating income to assets | 0.7021% | 3,434 |
| Return on assets (ROA) | 0.7021% | 3,546 |
| Pretax return on assets | 1.0977% | 2,740 |
| Return on Equity (ROE) | 6.7811% | 3,463 |
| Retained earnings to average equity (ytd only) | -2.2280% | 6,244 |
| Net charge-offs to loans | 0.0861% | 4,561 |
| Credit loss provision to net charge-offs | 274.6781% | 1,443 |
| Earnings coverage of net charge-offs (x) | 22.6464% | 1,083 |
| Efficiency ratio | 44.7169% | 7,598 |
| Assets per employee ($millions) | 12.3962% | 159 |
| Cash dividends to net income (ytd only)* | 132.8568% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1892% | 7,816 |
| Loan loss allowance to noncurrent loans | 34.3928% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 6,400 |
| Noncurrent loans to loans | 0.5501% | 6,194 |
| Net loans and leases to total assets | 63.3055% | 4,470 |
| Net loans and leases to deposits | 119.5143% | 142 |
| Net loans and leases to core deposits | 127.6775% | 546 |
| Total domestic deposits to total assets | 52.9690% | 7,816 |
| Equity capital to assets | 10.2666% | 3,513 |
| Core capital (leverage) ratio | 9.9583% | 3,218 |
| Tier 1 risk-based capital ratio | 23.6150% | 1,000 |
| Total risk-based capital ratio | 23.9013% | 1,098 |
| Memoranda: | ||
| Average total assets | $8,448,022,500 | 126 |
| Average earning assets | $8,090,804,500 | 116 |
| Average equity | $874,671,500 | 124 |
| Average total loans | $5,414,052,000 | 116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 6,135 |
| Cost of funding earning assets | 2.8447% | 385 |
| Net interest margin | 2.2430% | 7,624 |
| Noninterest income to average assets | 0.3789% | 5,382 |
| Noninterest expense to average assets | 1.0772% | 7,936 |
| Loan and lease loss provision to assets | 0.1076% | 6,568 |
| Net operating income to assets | 0.8559% | 2,324 |
| Return on assets (ROA) | 0.8599% | 2,384 |
| Pretax return on assets | 1.3555% | 1,543 |
| Return on Equity (ROE) | 8.4150% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.9139% | 3,128 |
| Net charge-offs to loans | 0.0973% | 6,160 |
| Credit loss provision to net charge-offs | 166.8592% | 2,591 |
| Earnings coverage of net charge-offs (x) | 22.5952% | 957 |
| Efficiency ratio | 41.7606% | 7,830 |
| Assets per employee ($millions) | 12.1981% | 165 |
| Cash dividends to net income (ytd only)* | 65.3723% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1505% | 7,897 |
| Loan loss allowance to noncurrent loans | 28.6515% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 6,414 |
| Noncurrent loans to loans | 0.5253% | 6,204 |
| Net loans and leases to total assets | 64.6590% | 4,458 |
| Net loans and leases to deposits | 123.9048% | 131 |
| Net loans and leases to core deposits | 151.0152% | 490 |
| Total domestic deposits to total assets | 52.1844% | 7,894 |
| Equity capital to assets | 10.4416% | 3,252 |
| Core capital (leverage) ratio | 10.1288% | 2,968 |
| Tier 1 risk-based capital ratio | 23.7885% | 968 |
| Total risk-based capital ratio | 24.0188% | 1,043 |
| Memoranda: | ||
| Average total assets | $8,325,562,400 | 123 |
| Average earning assets | $7,999,466,600 | 113 |
| Average equity | $850,775,200 | 124 |
| Average total loans | $5,517,307,000 | 116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 6,150 |
| Cost of funding earning assets | 2.8893% | 479 |
| Net interest margin | 2.2484% | 7,685 |
| Noninterest income to average assets | 0.3038% | 6,050 |
| Noninterest expense to average assets | 1.0955% | 8,016 |
| Loan and lease loss provision to assets | 0.0937% | 6,428 |
| Net operating income to assets | 0.8053% | 2,789 |
| Return on assets (ROA) | 0.8106% | 2,831 |
| Pretax return on assets | 1.2855% | 1,987 |
| Return on Equity (ROE) | 7.9761% | 2,647 |
| Retained earnings to average equity (ytd only) | 2.5599% | 3,884 |
| Net charge-offs to loans | 0.1231% | 5,461 |
| Credit loss provision to net charge-offs | 114.2131% | 4,449 |
| Earnings coverage of net charge-offs (x) | 16.7024% | 1,456 |
| Efficiency ratio | 43.6380% | 7,849 |
| Assets per employee ($millions) | 12.4582% | 160 |
| Cash dividends to net income (ytd only)* | 67.9059% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0991% | 8,006 |
| Loan loss allowance to noncurrent loans | 21.0870% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 6,453 |
| Noncurrent loans to loans | 0.4700% | 6,380 |
| Net loans and leases to total assets | 66.5470% | 4,292 |
| Net loans and leases to deposits | 126.7716% | 129 |
| Net loans and leases to core deposits | 156.9837% | 446 |
| Total domestic deposits to total assets | 52.4936% | 7,959 |
| Equity capital to assets | 10.3189% | 3,706 |
| Core capital (leverage) ratio | 9.9782% | 3,314 |
| Tier 1 risk-based capital ratio | 23.1880% | 1,085 |
| Total risk-based capital ratio | 23.3424% | 1,197 |
| Memoranda: | ||
| Average total assets | $8,308,886,000 | 130 |
| Average earning assets | $7,991,817,500 | 119 |
| Average equity | $844,396,500 | 129 |
| Average total loans | $5,537,999,250 | 123 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 5,994 |
| Cost of funding earning assets | 2.9253% | 576 |
| Net interest margin | 2.2971% | 7,679 |
| Noninterest income to average assets | 0.3069% | 6,057 |
| Noninterest expense to average assets | 1.1119% | 8,103 |
| Loan and lease loss provision to assets | 0.1262% | 5,850 |
| Net operating income to assets | 0.8061% | 2,832 |
| Return on assets (ROA) | 0.8141% | 2,897 |
| Pretax return on assets | 1.2903% | 2,049 |
| Return on Equity (ROE) | 8.0528% | 2,750 |
| Retained earnings to average equity (ytd only) | -0.1516% | 5,255 |
| Net charge-offs to loans | 0.1544% | 4,650 |
| Credit loss provision to net charge-offs | 122.6269% | 3,795 |
| Earnings coverage of net charge-offs (x) | 13.6433% | 1,722 |
| Efficiency ratio | 43.4268% | 7,939 |
| Assets per employee ($millions) | 12.3342% | 155 |
| Cash dividends to net income (ytd only)* | 101.8831% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1054% | 8,098 |
| Loan loss allowance to noncurrent loans | 23.6417% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 6,562 |
| Noncurrent loans to loans | 0.4458% | 6,407 |
| Net loans and leases to total assets | 66.3790% | 4,487 |
| Net loans and leases to deposits | 127.0384% | 138 |
| Net loans and leases to core deposits | 155.9120% | 524 |
| Total domestic deposits to total assets | 52.2511% | 8,044 |
| Equity capital to assets | 10.0588% | 3,861 |
| Core capital (leverage) ratio | 9.8179% | 3,495 |
| Tier 1 risk-based capital ratio | 22.9015% | 1,150 |
| Total risk-based capital ratio | 23.0656% | 1,250 |
| Memoranda: | ||
| Average total assets | $8,271,265,000 | 135 |
| Average earning assets | $7,954,237,670 | 125 |
| Average equity | $836,185,670 | 134 |
| Average total loans | $5,514,005,000 | 127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2801% | 5,978 |
| Cost of funding earning assets | 2.9727% | 643 |
| Net interest margin | 2.3074% | 7,707 |
| Noninterest income to average assets | 0.2501% | 6,453 |
| Noninterest expense to average assets | 0.9914% | 8,173 |
| Loan and lease loss provision to assets | 0.1024% | 5,659 |
| Net operating income to assets | 0.8691% | 2,844 |
| Return on assets (ROA) | 0.8852% | 2,909 |
| Pretax return on assets | 1.4002% | 1,967 |
| Return on Equity (ROE) | 8.7334% | 2,827 |
| Retained earnings to average equity (ytd only) | 1.0212% | 5,234 |
| Net charge-offs to loans | 0.1640% | 3,654 |
| Credit loss provision to net charge-offs | 93.5198% | 3,935 |
| Earnings coverage of net charge-offs (x) | 13.4953% | 1,733 |
| Efficiency ratio | 39.3718% | 8,061 |
| Assets per employee ($millions) | 12.3023% | 161 |
| Cash dividends to net income (ytd only)* | 88.3070% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0876% | 8,155 |
| Loan loss allowance to noncurrent loans | 24.4933% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 6,595 |
| Noncurrent loans to loans | 0.3578% | 6,536 |
| Net loans and leases to total assets | 66.6293% | 4,433 |
| Net loans and leases to deposits | 128.4955% | 155 |
| Net loans and leases to core deposits | 158.2055% | 521 |
| Total domestic deposits to total assets | 51.8535% | 8,088 |
| Equity capital to assets | 10.1511% | 3,825 |
| Core capital (leverage) ratio | 9.8974% | 3,520 |
| Tier 1 risk-based capital ratio | 23.0057% | 1,196 |
| Total risk-based capital ratio | 23.1422% | 1,285 |
| Memoranda: | ||
| Average total assets | $8,231,786,500 | 137 |
| Average earning assets | $7,915,777,500 | 127 |
| Average equity | $834,314,000 | 134 |
| Average total loans | $5,496,688,500 | 131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 7,469 |
| Cost of funding earning assets | 3.4651% | 574 |
| Net interest margin | 1.9278% | 8,108 |
| Noninterest income to average assets | 0.3246% | 6,130 |
| Noninterest expense to average assets | 1.0113% | 8,202 |
| Loan and lease loss provision to assets | 0.0323% | 7,003 |
| Net operating income to assets | 0.7159% | 3,822 |
| Return on assets (ROA) | 0.7221% | 3,623 |
| Pretax return on assets | 1.1387% | 2,883 |
| Return on Equity (ROE) | 7.2280% | 3,417 |
| Retained earnings to average equity (ytd only) | 1.5834% | 4,269 |
| Net charge-offs to loans | 0.0300% | 6,404 |
| Credit loss provision to net charge-offs | 162.0948% | 3,190 |
| Earnings coverage of net charge-offs (x) | 58.2032% | 686 |
| Efficiency ratio | 45.6378% | 7,945 |
| Assets per employee ($millions) | 12.2149% | 158 |
| Cash dividends to net income (ytd only)* | 78.0930% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0966% | 8,212 |
| Loan loss allowance to noncurrent loans | 28.6669% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 6,463 |
| Noncurrent loans to loans | 0.3369% | 6,369 |
| Net loans and leases to total assets | 66.7968% | 4,683 |
| Net loans and leases to deposits | 136.0335% | 139 |
| Net loans and leases to core deposits | 163.2571% | 514 |
| Total domestic deposits to total assets | 49.1032% | 8,130 |
| Equity capital to assets | 10.1192% | 3,901 |
| Core capital (leverage) ratio | 9.9465% | 3,501 |
| Tier 1 risk-based capital ratio | 23.0982% | 1,180 |
| Total risk-based capital ratio | 22.9616% | 1,318 |
| Memoranda: | ||
| Average total assets | $8,038,773,400 | 135 |
| Average earning assets | $7,706,421,200 | 123 |
| Average equity | $803,128,400 | 137 |
| Average total loans | $5,348,543,800 | 129 |