| 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 | 6.0524% | 592 |
| Cost of funding earning assets | 3.0020% | 140 |
| Net interest margin | 3.0504% | 3,176 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.3105% | 2,825 |
| Loan and lease loss provision to assets | 0.4800% | 194 |
| Net operating income to assets | 0.6628% | 3,287 |
| Return on assets (ROA) | 0.6539% | 3,281 |
| Pretax return on assets | 0.8952% | 2,975 |
| Return on Equity (ROE) | 6.7500% | 3,348 |
| Retained earnings to average equity (ytd only) | -3.1042% | 4,334 |
| Net charge-offs to loans | 0.8913% | 117 |
| Credit loss provision to net charge-offs | 121.4938% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.1592% | 2,605 |
| Efficiency ratio | 61.9446% | 2,835 |
| Assets per employee ($millions) | 9.0285% | 973 |
| Cash dividends to net income (ytd only)* | 145.9934% | 110 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5022% | 191 |
| Loan loss allowance to noncurrent loans | 306.0067% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 1,671 |
| Noncurrent loans to loans | 0.8177% | 947 |
| Net loans and leases to total assets | 37.8200% | 4,102 |
| Net loans and leases to deposits | 47.9963% | 3,993 |
| Net loans and leases to core deposits | 102.9311% | 1,280 |
| Total domestic deposits to total assets | 44.3800% | 4,479 |
| Equity capital to assets | 9.6720% | 2,222 |
| Core capital (leverage) ratio | 8.9546% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2012% | 1,475 |
| Memoranda: |
| Average total assets | $1,708,021,600,000 | 3 |
| Average earning assets | $1,526,398,800,000 | 4 |
| Average equity | $165,483,600,000 | 3 |
| Average total loans | $638,394,400,000 | 4 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9246% | 584 |
| Cost of funding earning assets | 2.8755% | 139 |
| Net interest margin | 3.0491% | 3,234 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 2.1602% | 3,185 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 0.9208% | 2,614 |
| Return on assets (ROA) | 0.9115% | 2,625 |
| Pretax return on assets | 1.2519% | 2,165 |
| Return on Equity (ROE) | 9.4000% | 2,825 |
| Retained earnings to average equity (ytd only) | 0.2239% | 4,076 |
| Net charge-offs to loans | 0.8209% | 111 |
| Credit loss provision to net charge-offs | 122.2933% | 1,469 |
| Earnings coverage of net charge-offs (x) | 5.4482% | 2,348 |
| Efficiency ratio | 56.0557% | 3,397 |
| Assets per employee ($millions) | 8.7976% | 1,003 |
| Cash dividends to net income (ytd only)* | 97.6186% | 253 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5333% | 186 |
| Loan loss allowance to noncurrent loans | 318.4640% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 1,793 |
| Noncurrent loans to loans | 0.7955% | 1,050 |
| Net loans and leases to total assets | 37.1600% | 4,150 |
| Net loans and leases to deposits | 47.8832% | 4,013 |
| Net loans and leases to core deposits | 102.2624% | 1,195 |
| Total domestic deposits to total assets | 43.5200% | 4,512 |
| Equity capital to assets | 10.0305% | 1,818 |
| Core capital (leverage) ratio | 9.1656% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1546% | 1,279 |
| Memoranda: |
| Average total assets | $1,713,849,500,000 | 3 |
| Average earning assets | $1,530,576,250,000 | 3 |
| Average equity | $166,118,250,000 | 3 |
| Average total loans | $634,605,250,000 | 4 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7244% | 614 |
| Cost of funding earning assets | 2.7056% | 128 |
| Net interest margin | 3.0188% | 3,381 |
| Noninterest income to average assets | 1.0800% | 509 |
| Noninterest expense to average assets | 2.1385% | 3,244 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 0.9123% | 2,715 |
| Return on assets (ROA) | 0.9028% | 2,734 |
| Pretax return on assets | 1.2342% | 2,275 |
| Return on Equity (ROE) | 9.4200% | 2,857 |
| Retained earnings to average equity (ytd only) | 0.5564% | 3,976 |
| Net charge-offs to loans | 0.7786% | 110 |
| Credit loss provision to net charge-offs | 126.6370% | 1,300 |
| Earnings coverage of net charge-offs (x) | 5.7482% | 2,156 |
| Efficiency ratio | 56.0156% | 3,414 |
| Assets per employee ($millions) | 8.9289% | 932 |
| Cash dividends to net income (ytd only)* | 94.0928% | 377 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4894% | 226 |
| Loan loss allowance to noncurrent loans | 398.5131% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,018 |
| Noncurrent loans to loans | 0.6247% | 1,196 |
| Net loans and leases to total assets | 36.2300% | 4,170 |
| Net loans and leases to deposits | 46.2971% | 4,035 |
| Net loans and leases to core deposits | 97.1873% | 1,401 |
| Total domestic deposits to total assets | 43.4300% | 4,536 |
| Equity capital to assets | 9.7303% | 2,012 |
| Core capital (leverage) ratio | 8.8884% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9275% | 1,335 |
| Memoranda: |
| Average total assets | $1,732,675,333,333 | 3 |
| Average earning assets | $1,549,755,666,667 | 3 |
| Average equity | $166,076,666,667 | 3 |
| Average total loans | $635,529,000,000 | 4 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5261% | 597 |
| Cost of funding earning assets | 2.5172% | 94 |
| Net interest margin | 3.0088% | 3,580 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 2.1152% | 3,343 |
| Loan and lease loss provision to assets | 0.4200% | 191 |
| Net operating income to assets | 1.0585% | 2,355 |
| Return on assets (ROA) | 1.0456% | 2,364 |
| Pretax return on assets | 1.4331% | 1,803 |
| Return on Equity (ROE) | 10.9900% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.2402% | 3,200 |
| Net charge-offs to loans | 0.7255% | 108 |
| Credit loss provision to net charge-offs | 139.6357% | 977 |
| Earnings coverage of net charge-offs (x) | 7.0755% | 1,767 |
| Efficiency ratio | 52.5114% | 3,738 |
| Assets per employee ($millions) | 9.0095% | 928 |
| Cash dividends to net income (ytd only)* | 61.4170% | 935 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4795% | 227 |
| Loan loss allowance to noncurrent loans | 347.4750% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 1,832 |
| Noncurrent loans to loans | 0.7136% | 1,064 |
| Net loans and leases to total assets | 35.6800% | 4,202 |
| Net loans and leases to deposits | 45.3253% | 4,059 |
| Net loans and leases to core deposits | 93.9208% | 1,398 |
| Total domestic deposits to total assets | 43.9000% | 4,589 |
| Equity capital to assets | 9.7315% | 1,977 |
| Core capital (leverage) ratio | 8.8239% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0888% | 1,353 |
| Memoranda: |
| Average total assets | $1,744,149,500,000 | 3 |
| Average earning assets | $1,561,397,000,000 | 3 |
| Average equity | $165,934,500,000 | 3 |
| Average total loans | $635,689,500,000 | 4 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8675% | 2,071 |
| Cost of funding earning assets | 0.9740% | 181 |
| Net interest margin | 2.8935% | 3,698 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.0633% | 3,407 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.9265% | 2,856 |
| Return on assets (ROA) | 0.8955% | 2,914 |
| Pretax return on assets | 1.2049% | 2,419 |
| Return on Equity (ROE) | 9.3500% | 3,014 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,332 |
| Net charge-offs to loans | 0.4979% | 150 |
| Credit loss provision to net charge-offs | 133.6114% | 1,384 |
| Earnings coverage of net charge-offs (x) | 8.0377% | 2,281 |
| Efficiency ratio | 56.9416% | 3,475 |
| Assets per employee ($millions) | 9.2170% | 852 |
| Cash dividends to net income (ytd only)* | 55.2450% | 1,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4123% | 227 |
| Loan loss allowance to noncurrent loans | 369.3960% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 1,959 |
| Noncurrent loans to loans | 0.6530% | 1,140 |
| Net loans and leases to total assets | 35.4300% | 4,240 |
| Net loans and leases to deposits | 44.7251% | 4,089 |
| Net loans and leases to core deposits | 94.3887% | 1,279 |
| Total domestic deposits to total assets | 43.9800% | 4,617 |
| Equity capital to assets | 9.3016% | 2,154 |
| Core capital (leverage) ratio | 8.7258% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4515% | 1,251 |
| Memoranda: |
| Average total assets | $1,718,188,385,200 | 4 |
| Average earning assets | $1,525,528,325,600 | 4 |
| Average equity | $164,470,743,600 | 3 |
| Average total loans | $650,067,283,600 | 4 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4825% | 2,674 |
| Cost of funding earning assets | 0.6289% | 375 |
| Net interest margin | 2.8536% | 3,612 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 2.0433% | 3,373 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.0171% | 2,416 |
| Return on assets (ROA) | 0.9832% | 2,514 |
| Pretax return on assets | 1.3051% | 2,036 |
| Return on Equity (ROE) | 10.2000% | 2,662 |
| Retained earnings to average equity (ytd only) | 5.9012% | 2,782 |
| Net charge-offs to loans | 0.4555% | 139 |
| Credit loss provision to net charge-offs | 118.4470% | 1,230 |
| Earnings coverage of net charge-offs (x) | 9.0566% | 2,035 |
| Efficiency ratio | 55.6505% | 3,656 |
| Assets per employee ($millions) | 8.9933% | 891 |
| Cash dividends to net income (ytd only)* | 42.1270% | 1,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3114% | 288 |
| Loan loss allowance to noncurrent loans | 311.8218% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 1,779 |
| Noncurrent loans to loans | 0.7412% | 1,093 |
| Net loans and leases to total assets | 36.4100% | 4,209 |
| Net loans and leases to deposits | 46.7576% | 3,999 |
| Net loans and leases to core deposits | 96.8758% | 959 |
| Total domestic deposits to total assets | 43.4600% | 4,664 |
| Equity capital to assets | 9.4682% | 1,903 |
| Core capital (leverage) ratio | 8.8564% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7774% | 1,485 |
| Memoranda: |
| Average total assets | $1,706,047,481,500 | 4 |
| Average earning assets | $1,512,070,407,000 | 4 |
| Average equity | $164,504,179,500 | 3 |
| Average total loans | $652,219,104,500 | 4 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1524% | 3,184 |
| Cost of funding earning assets | 0.3796% | 1,046 |
| Net interest margin | 2.7728% | 3,519 |
| Noninterest income to average assets | 1.1665% | 501 |
| Noninterest expense to average assets | 2.0390% | 3,325 |
| Loan and lease loss provision to assets | 0.2283% | 340 |
| Net operating income to assets | 1.0214% | 2,084 |
| Return on assets (ROA) | 0.9762% | 2,216 |
| Pretax return on assets | 1.3116% | 1,704 |
| Return on Equity (ROE) | 10.0867% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.9018% | 1,656 |
| Net charge-offs to loans | 0.4533% | 152 |
| Credit loss provision to net charge-offs | 105.5780% | 1,241 |
| Earnings coverage of net charge-offs (x) | 9.0833% | 1,800 |
| Efficiency ratio | 55.2975% | 3,846 |
| Assets per employee ($millions) | 9.2259% | 825 |
| Cash dividends to net income (ytd only)* | 21.6606% | 2,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2337% | 362 |
| Loan loss allowance to noncurrent loans | 313.6903% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 1,887 |
| Noncurrent loans to loans | 0.7121% | 1,214 |
| Net loans and leases to total assets | 36.9607% | 4,206 |
| Net loans and leases to deposits | 46.9678% | 3,987 |
| Net loans and leases to core deposits | 93.3908% | 950 |
| Total domestic deposits to total assets | 43.8105% | 4,729 |
| Equity capital to assets | 9.5526% | 1,976 |
| Core capital (leverage) ratio | 8.9758% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7087% | 1,505 |
| Memoranda: |
| Average total assets | $1,702,514,333,333 | 4 |
| Average earning assets | $1,510,590,666,667 | 4 |
| Average equity | $164,771,666,667 | 4 |
| Average total loans | $656,564,333,333 | 4 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9773% | 3,317 |
| Cost of funding earning assets | 0.2923% | 1,729 |
| Net interest margin | 2.6851% | 3,437 |
| Noninterest income to average assets | 1.1145% | 547 |
| Noninterest expense to average assets | 2.1074% | 3,119 |
| Loan and lease loss provision to assets | 0.2119% | 334 |
| Net operating income to assets | 0.8570% | 2,463 |
| Return on assets (ROA) | 0.8526% | 2,467 |
| Pretax return on assets | 1.1733% | 1,906 |
| Return on Equity (ROE) | 8.7520% | 2,413 |
| Retained earnings to average equity (ytd only) | 8.7520% | 1,347 |
| Net charge-offs to loans | 0.4530% | 151 |
| Credit loss provision to net charge-offs | 38.4203% | 1,234 |
| Earnings coverage of net charge-offs (x) | 7.8755% | 1,528 |
| Efficiency ratio | 58.8748% | 3,596 |
| Assets per employee ($millions) | 9.4053% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1032% | 515 |
| Loan loss allowance to noncurrent loans | 256.3626% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 1,848 |
| Noncurrent loans to loans | 0.8204% | 1,155 |
| Net loans and leases to total assets | 37.7717% | 4,124 |
| Net loans and leases to deposits | 47.2502% | 3,913 |
| Net loans and leases to core deposits | 94.5435% | 709 |
| Total domestic deposits to total assets | 43.5096% | 4,758 |
| Equity capital to assets | 9.5561% | 2,237 |
| Core capital (leverage) ratio | 8.8092% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6623% | 1,592 |
| Memoranda: |
| Average total assets | $1,693,617,500,000 | 4 |
| Average earning assets | $1,502,683,000,000 | 4 |
| Average equity | $164,990,000,000 | 4 |
| Average total loans | $659,664,000,000 | 4 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8158% | 4,183 |
| Cost of funding earning assets | 0.2515% | 2,916 |
| Net interest margin | 2.5643% | 4,102 |
| Noninterest income to average assets | 0.8884% | 1,237 |
| Noninterest expense to average assets | 1.9885% | 3,709 |
| Loan and lease loss provision to assets | -0.2164% | 4,721 |
| Net operating income to assets | 1.0850% | 2,353 |
| Return on assets (ROA) | 1.0975% | 2,367 |
| Pretax return on assets | 1.4145% | 2,003 |
| Return on Equity (ROE) | 11.2219% | 2,091 |
| Retained earnings to average equity (ytd only) | 7.4181% | 1,755 |
| Net charge-offs to loans | 0.6058% | 131 |
| Credit loss provision to net charge-offs | -72.2194% | 3,301 |
| Earnings coverage of net charge-offs (x) | 5.0196% | 2,469 |
| Efficiency ratio | 62.0861% | 2,854 |
| Assets per employee ($millions) | 9.3419% | 832 |
| Cash dividends to net income (ytd only)* | 33.8961% | 2,340 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2691% | 405 |
| Loan loss allowance to noncurrent loans | 300.5650% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 2,048 |
| Noncurrent loans to loans | 0.7550% | 1,344 |
| Net loans and leases to total assets | 38.4352% | 4,162 |
| Net loans and leases to deposits | 48.0604% | 3,992 |
| Net loans and leases to core deposits | 95.2776% | 720 |
| Total domestic deposits to total assets | 44.0698% | 4,800 |
| Equity capital to assets | 9.9330% | 2,721 |
| Core capital (leverage) ratio | 8.7778% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4006% | 1,413 |
| Memoranda: |
| Average total assets | $1,673,104,800,000 | 4 |
| Average earning assets | $1,488,577,800,000 | 4 |
| Average equity | $163,627,200,000 | 4 |
| Average total loans | $650,079,600,000 | 4 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7857% | 4,312 |
| Cost of funding earning assets | 0.2599% | 3,018 |
| Net interest margin | 2.5257% | 4,229 |
| Noninterest income to average assets | 0.9267% | 1,200 |
| Noninterest expense to average assets | 1.8421% | 4,079 |
| Loan and lease loss provision to assets | -0.2449% | 4,789 |
| Net operating income to assets | 1.2148% | 2,116 |
| Return on assets (ROA) | 1.2360% | 2,099 |
| Pretax return on assets | 1.5852% | 1,753 |
| Return on Equity (ROE) | 12.7760% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.6875% | 2,150 |
| Net charge-offs to loans | 0.6594% | 120 |
| Credit loss provision to net charge-offs | -77.6115% | 3,199 |
| Earnings coverage of net charge-offs (x) | 5.1749% | 2,235 |
| Efficiency ratio | 57.7506% | 3,311 |
| Assets per employee ($millions) | 9.7291% | 703 |
| Cash dividends to net income (ytd only)* | 39.8285% | 1,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4667% | 303 |
| Loan loss allowance to noncurrent loans | 319.9482% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 2,294 |
| Noncurrent loans to loans | 0.7710% | 1,466 |
| Net loans and leases to total assets | 37.2925% | 4,330 |
| Net loans and leases to deposits | 46.5104% | 4,210 |
| Net loans and leases to core deposits | 93.5834% | 845 |
| Total domestic deposits to total assets | 43.7064% | 4,873 |
| Equity capital to assets | 9.6888% | 3,197 |
| Core capital (leverage) ratio | 8.8882% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6351% | 1,745 |
| Memoranda: |
| Average total assets | $1,685,762,750,000 | 4 |
| Average earning assets | $1,487,059,750,000 | 4 |
| Average equity | $163,082,750,000 | 4 |
| Average total loans | $648,483,000,000 | 4 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7761% | 4,377 |
| Cost of funding earning assets | 0.2591% | 3,193 |
| Net interest margin | 2.5170% | 4,280 |
| Noninterest income to average assets | 0.9930% | 1,084 |
| Noninterest expense to average assets | 1.8291% | 4,122 |
| Loan and lease loss provision to assets | -0.3532% | 4,861 |
| Net operating income to assets | 1.3452% | 1,725 |
| Return on assets (ROA) | 1.3715% | 1,726 |
| Pretax return on assets | 1.7645% | 1,316 |
| Return on Equity (ROE) | 14.1847% | 1,357 |
| Retained earnings to average equity (ytd only) | 9.5053% | 1,550 |
| Net charge-offs to loans | 0.7500% | 110 |
| Credit loss provision to net charge-offs | -98.4761% | 3,060 |
| Earnings coverage of net charge-offs (x) | 4.7628% | 2,020 |
| Efficiency ratio | 56.4176% | 3,490 |
| Assets per employee ($millions) | 9.8607% | 636 |
| Cash dividends to net income (ytd only)* | 32.9890% | 1,917 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6376% | 233 |
| Loan loss allowance to noncurrent loans | 302.2584% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 2,238 |
| Noncurrent loans to loans | 0.8726% | 1,407 |
| Net loans and leases to total assets | 37.6384% | 4,399 |
| Net loans and leases to deposits | 47.9731% | 4,218 |
| Net loans and leases to core deposits | 103.5494% | 547 |
| Total domestic deposits to total assets | 39.9003% | 4,909 |
| Equity capital to assets | 9.7099% | 3,133 |
| Core capital (leverage) ratio | 8.8570% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6078% | 1,762 |
| Memoranda: |
| Average total assets | $1,679,709,333,333 | 4 |
| Average earning assets | $1,476,824,000,000 | 4 |
| Average equity | $162,414,000,000 | 4 |
| Average total loans | $647,475,000,000 | 4 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8055% | 4,372 |
| Cost of funding earning assets | 0.2620% | 3,361 |
| Net interest margin | 2.5435% | 4,239 |
| Noninterest income to average assets | 1.1584% | 904 |
| Noninterest expense to average assets | 1.8351% | 4,139 |
| Loan and lease loss provision to assets | -0.5174% | 4,921 |
| Net operating income to assets | 1.6163% | 1,100 |
| Return on assets (ROA) | 1.6471% | 1,075 |
| Pretax return on assets | 2.1172% | 785 |
| Return on Equity (ROE) | 17.0715% | 837 |
| Retained earnings to average equity (ytd only) | 17.0715% | 422 |
| Net charge-offs to loans | 0.8498% | 96 |
| Credit loss provision to net charge-offs | -113.6696% | 2,852 |
| Earnings coverage of net charge-offs (x) | 4.7646% | 1,709 |
| Efficiency ratio | 53.4489% | 3,856 |
| Assets per employee ($millions) | 9.9647% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0032% | 148 |
| Loan loss allowance to noncurrent loans | 302.8427% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,290 |
| Noncurrent loans to loans | 0.9917% | 1,355 |
| Net loans and leases to total assets | 36.7640% | 4,471 |
| Net loans and leases to deposits | 47.4301% | 4,287 |
| Net loans and leases to core deposits | 107.2357% | 474 |
| Total domestic deposits to total assets | 39.3869% | 4,937 |
| Equity capital to assets | 9.7140% | 2,984 |
| Core capital (leverage) ratio | 8.9139% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7992% | 1,637 |
| Memoranda: |
| Average total assets | $1,672,950,500,000 | 4 |
| Average earning assets | $1,470,093,500,000 | 4 |
| Average equity | $161,415,500,000 | 4 |
| Average total loans | $643,928,500,000 | 4 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3458% | 4,268 |
| Cost of funding earning assets | 0.5262% | 2,773 |
| Net interest margin | 2.8195% | 4,235 |
| Noninterest income to average assets | 0.9720% | 1,102 |
| Noninterest expense to average assets | 1.9428% | 4,245 |
| Loan and lease loss provision to assets | 0.8929% | 131 |
| Net operating income to assets | 0.5029% | 4,024 |
| Return on assets (ROA) | 0.5698% | 3,949 |
| Pretax return on assets | 0.7093% | 3,862 |
| Return on Equity (ROE) | 5.9477% | 3,602 |
| Retained earnings to average equity (ytd only) | 4.4853% | 2,541 |
| Net charge-offs to loans | 1.0121% | 132 |
| Credit loss provision to net charge-offs | 213.9872% | 2,094 |
| Earnings coverage of net charge-offs (x) | 3.6382% | 3,065 |
| Efficiency ratio | 55.4098% | 4,053 |
| Assets per employee ($millions) | 9.8826% | 555 |
| Cash dividends to net income (ytd only)* | 24.5875% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4080% | 102 |
| Loan loss allowance to noncurrent loans | 316.9938% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 2,315 |
| Noncurrent loans to loans | 1.0751% | 1,323 |
| Net loans and leases to total assets | 37.7381% | 4,533 |
| Net loans and leases to deposits | 48.9070% | 4,360 |
| Net loans and leases to core deposits | 110.9173% | 481 |
| Total domestic deposits to total assets | 39.8158% | 4,962 |
| Equity capital to assets | 9.6003% | 3,516 |
| Core capital (leverage) ratio | 8.6497% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9658% | 1,544 |
| Memoranda: |
| Average total assets | $1,606,051,000,000 | 4 |
| Average earning assets | $1,417,407,800,000 | 4 |
| Average equity | $153,857,000,000 | 4 |
| Average total loans | $661,899,600,000 | 4 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4776% | 4,243 |
| Cost of funding earning assets | 0.5991% | 2,622 |
| Net interest margin | 2.8785% | 4,214 |
| Noninterest income to average assets | 1.0450% | 955 |
| Noninterest expense to average assets | 1.9518% | 4,251 |
| Loan and lease loss provision to assets | 1.1735% | 92 |
| Net operating income to assets | 0.3775% | 4,309 |
| Return on assets (ROA) | 0.4551% | 4,225 |
| Pretax return on assets | 0.5594% | 4,174 |
| Return on Equity (ROE) | 4.7535% | 3,956 |
| Retained earnings to average equity (ytd only) | 2.7857% | 3,614 |
| Net charge-offs to loans | 1.1004% | 124 |
| Credit loss provision to net charge-offs | 254.7823% | 1,908 |
| Earnings coverage of net charge-offs (x) | 3.5617% | 2,906 |
| Efficiency ratio | 53.6376% | 4,192 |
| Assets per employee ($millions) | 9.8798% | 526 |
| Cash dividends to net income (ytd only)* | 41.3983% | 1,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6427% | 79 |
| Loan loss allowance to noncurrent loans | 360.9726% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 2,599 |
| Noncurrent loans to loans | 1.0091% | 1,479 |
| Net loans and leases to total assets | 37.3968% | 4,629 |
| Net loans and leases to deposits | 48.4368% | 4,540 |
| Net loans and leases to core deposits | 110.4129% | 689 |
| Total domestic deposits to total assets | 39.8227% | 4,994 |
| Equity capital to assets | 9.3689% | 3,799 |
| Core capital (leverage) ratio | 8.5322% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7451% | 1,571 |
| Memoranda: |
| Average total assets | $1,592,187,000,000 | 4 |
| Average earning assets | $1,407,142,000,000 | 4 |
| Average equity | $152,444,000,000 | 4 |
| Average total loans | $665,088,250,000 | 4 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7136% | 4,056 |
| Cost of funding earning assets | 0.7282% | 2,248 |
| Net interest margin | 2.9855% | 4,158 |
| Noninterest income to average assets | 1.1245% | 785 |
| Noninterest expense to average assets | 1.9050% | 4,408 |
| Loan and lease loss provision to assets | 1.6145% | 72 |
| Net operating income to assets | 0.2000% | 4,575 |
| Return on assets (ROA) | 0.2858% | 4,482 |
| Pretax return on assets | 0.3441% | 4,480 |
| Return on Equity (ROE) | 2.9624% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.9624% | 3,406 |
| Net charge-offs to loans | 1.1302% | 123 |
| Credit loss provision to net charge-offs | 332.2911% | 1,550 |
| Earnings coverage of net charge-offs (x) | 3.8332% | 2,648 |
| Efficiency ratio | 49.9746% | 4,508 |
| Assets per employee ($millions) | 10.0304% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5902% | 84 |
| Loan loss allowance to noncurrent loans | 324.3518% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 2,524 |
| Noncurrent loans to loans | 1.1069% | 1,418 |
| Net loans and leases to total assets | 38.8615% | 4,647 |
| Net loans and leases to deposits | 51.0182% | 4,487 |
| Net loans and leases to core deposits | 117.5225% | 486 |
| Total domestic deposits to total assets | 39.2296% | 5,027 |
| Equity capital to assets | 9.3844% | 3,752 |
| Core capital (leverage) ratio | 8.4905% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8361% | 1,538 |
| Memoranda: |
| Average total assets | $1,573,360,333,333 | 4 |
| Average earning assets | $1,388,664,000,000 | 4 |
| Average equity | $151,771,333,333 | 4 |
| Average total loans | $673,498,666,667 | 4 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0906% | 3,547 |
| Cost of funding earning assets | 0.9746% | 1,543 |
| Net interest margin | 3.1160% | 4,057 |
| Noninterest income to average assets | 1.3077% | 525 |
| Noninterest expense to average assets | 1.9959% | 4,401 |
| Loan and lease loss provision to assets | 1.5106% | 100 |
| Net operating income to assets | 0.4261% | 4,076 |
| Return on assets (ROA) | 0.4948% | 3,966 |
| Pretax return on assets | 0.6309% | 3,864 |
| Return on Equity (ROE) | 5.0569% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.0569% | 2,249 |
| Net charge-offs to loans | 1.0778% | 145 |
| Credit loss provision to net charge-offs | 317.3297% | 1,135 |
| Earnings coverage of net charge-offs (x) | 4.3150% | 2,144 |
| Efficiency ratio | 48.6362% | 4,728 |
| Assets per employee ($millions) | 10.2091% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6952% | 195 |
| Loan loss allowance to noncurrent loans | 309.6876% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 2,952 |
| Noncurrent loans to loans | 0.8703% | 1,870 |
| Net loans and leases to total assets | 41.4309% | 4,613 |
| Net loans and leases to deposits | 55.9482% | 4,368 |
| Net loans and leases to core deposits | 132.0625% | 240 |
| Total domestic deposits to total assets | 37.9239% | 5,077 |
| Equity capital to assets | 9.3041% | 4,391 |
| Core capital (leverage) ratio | 9.0532% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1871% | 1,849 |
| Memoranda: |
| Average total assets | $1,543,201,500,000 | 4 |
| Average earning assets | $1,357,242,500,000 | 4 |
| Average equity | $151,001,500,000 | 4 |
| Average total loans | $680,991,000,000 | 4 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6406% | 2,496 |
| Cost of funding earning assets | 1.3234% | 723 |
| Net interest margin | 3.3172% | 3,949 |
| Noninterest income to average assets | 1.0217% | 931 |
| Noninterest expense to average assets | 2.0149% | 4,511 |
| Loan and lease loss provision to assets | 0.4902% | 262 |
| Net operating income to assets | 1.1344% | 2,315 |
| Return on assets (ROA) | 1.2048% | 2,129 |
| Pretax return on assets | 1.5446% | 1,673 |
| Return on Equity (ROE) | 11.6483% | 1,643 |
| Retained earnings to average equity (ytd only) | 0.0790% | 4,667 |
| Net charge-offs to loans | 1.0172% | 157 |
| Credit loss provision to net charge-offs | 106.0180% | 2,343 |
| Earnings coverage of net charge-offs (x) | 4.2060% | 3,242 |
| Efficiency ratio | 49.9397% | 4,736 |
| Assets per employee ($millions) | 9.1585% | 477 |
| Cash dividends to net income (ytd only)* | 99.3220% | 316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6567% | 872 |
| Loan loss allowance to noncurrent loans | 188.7105% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 2,776 |
| Noncurrent loans to loans | 0.8779% | 1,746 |
| Net loans and leases to total assets | 45.1087% | 4,554 |
| Net loans and leases to deposits | 60.7386% | 4,257 |
| Net loans and leases to core deposits | 148.5784% | 129 |
| Total domestic deposits to total assets | 36.8718% | 5,140 |
| Equity capital to assets | 10.3248% | 3,609 |
| Core capital (leverage) ratio | 9.1049% | 4,444 |
| Tier 1 risk-based capital ratio | 13.0322% | 3,778 |
| Total risk-based capital ratio | 15.4252% | 3,089 |
| Memoranda: |
| Average total assets | $1,444,680,600,000 | 4 |
| Average earning assets | $1,279,540,600,000 | 4 |
| Average equity | $149,421,200,000 | 4 |
| Average total loans | $656,676,800,000 | 4 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6747% | 2,488 |
| Cost of funding earning assets | 1.3711% | 641 |
| Net interest margin | 3.3036% | 4,088 |
| Noninterest income to average assets | 1.0355% | 864 |
| Noninterest expense to average assets | 2.0144% | 4,520 |
| Loan and lease loss provision to assets | 0.4797% | 250 |
| Net operating income to assets | 1.1411% | 2,409 |
| Return on assets (ROA) | 1.2058% | 2,257 |
| Pretax return on assets | 1.5502% | 1,814 |
| Return on Equity (ROE) | 11.6530% | 1,735 |
| Retained earnings to average equity (ytd only) | -0.1278% | 4,768 |
| Net charge-offs to loans | 1.0112% | 143 |
| Credit loss provision to net charge-offs | 104.5958% | 2,170 |
| Earnings coverage of net charge-offs (x) | 4.2459% | 3,030 |
| Efficiency ratio | 49.9020% | 4,753 |
| Assets per employee ($millions) | 9.3909% | 419 |
| Cash dividends to net income (ytd only)* | 101.0963% | 306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6425% | 918 |
| Loan loss allowance to noncurrent loans | 196.5005% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 2,988 |
| Noncurrent loans to loans | 0.8359% | 1,901 |
| Net loans and leases to total assets | 44.0589% | 4,690 |
| Net loans and leases to deposits | 58.8882% | 4,437 |
| Net loans and leases to core deposits | 145.6116% | 144 |
| Total domestic deposits to total assets | 37.0507% | 5,220 |
| Equity capital to assets | 10.1537% | 3,866 |
| Core capital (leverage) ratio | 9.1086% | 4,549 |
| Tier 1 risk-based capital ratio | 12.6197% | 4,072 |
| Total risk-based capital ratio | 14.8666% | 3,425 |
| Memoranda: |
| Average total assets | $1,442,351,250,000 | 4 |
| Average earning assets | $1,277,513,250,000 | 4 |
| Average equity | $149,246,000,000 | 4 |
| Average total loans | $654,113,750,000 | 4 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6952% | 2,371 |
| Cost of funding earning assets | 1.3760% | 585 |
| Net interest margin | 3.3193% | 4,096 |
| Noninterest income to average assets | 1.0221% | 841 |
| Noninterest expense to average assets | 2.0387% | 4,537 |
| Loan and lease loss provision to assets | 0.4793% | 245 |
| Net operating income to assets | 1.1273% | 2,414 |
| Return on assets (ROA) | 1.1954% | 2,226 |
| Pretax return on assets | 1.5326% | 1,748 |
| Return on Equity (ROE) | 11.4789% | 1,797 |
| Retained earnings to average equity (ytd only) | -0.0362% | 4,687 |
| Net charge-offs to loans | 1.0211% | 139 |
| Credit loss provision to net charge-offs | 103.0631% | 1,921 |
| Earnings coverage of net charge-offs (x) | 4.1402% | 2,760 |
| Efficiency ratio | 50.4756% | 4,757 |
| Assets per employee ($millions) | 9.2147% | 427 |
| Cash dividends to net income (ytd only)* | 100.3154% | 421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6423% | 941 |
| Loan loss allowance to noncurrent loans | 199.0741% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,013 |
| Noncurrent loans to loans | 0.8250% | 1,941 |
| Net loans and leases to total assets | 44.1089% | 4,721 |
| Net loans and leases to deposits | 60.1996% | 4,417 |
| Net loans and leases to core deposits | 153.8351% | 113 |
| Total domestic deposits to total assets | 36.2783% | 5,267 |
| Equity capital to assets | 10.2964% | 3,702 |
| Core capital (leverage) ratio | 9.3077% | 4,352 |
| Tier 1 risk-based capital ratio | 12.7599% | 3,969 |
| Total risk-based capital ratio | 15.0098% | 3,342 |
| Memoranda: |
| Average total assets | $1,432,163,333,330 | 4 |
| Average earning assets | $1,269,368,333,330 | 4 |
| Average equity | $149,143,000,000 | 4 |
| Average total loans | $652,222,666,670 | 4 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7339% | 2,098 |
| Cost of funding earning assets | 1.3373% | 582 |
| Net interest margin | 3.3966% | 3,896 |
| Noninterest income to average assets | 1.0059% | 797 |
| Noninterest expense to average assets | 2.0538% | 4,542 |
| Loan and lease loss provision to assets | 0.4653% | 233 |
| Net operating income to assets | 1.1671% | 2,190 |
| Return on assets (ROA) | 1.2078% | 2,076 |
| Pretax return on assets | 1.5521% | 1,609 |
| Return on Equity (ROE) | 11.5313% | 1,720 |
| Retained earnings to average equity (ytd only) | -0.2800% | 4,573 |
| Net charge-offs to loans | 1.0131% | 136 |
| Credit loss provision to net charge-offs | 100.0606% | 1,574 |
| Earnings coverage of net charge-offs (x) | 4.2250% | 2,340 |
| Efficiency ratio | 50.1474% | 4,815 |
| Assets per employee ($millions) | 8.9122% | 497 |
| Cash dividends to net income (ytd only)* | 102.4282% | 597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6400% | 991 |
| Loan loss allowance to noncurrent loans | 183.6812% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,940 |
| Noncurrent loans to loans | 0.8928% | 1,868 |
| Net loans and leases to total assets | 44.6551% | 4,716 |
| Net loans and leases to deposits | 60.5391% | 4,385 |
| Net loans and leases to core deposits | 150.5623% | 120 |
| Total domestic deposits to total assets | 36.8161% | 5,328 |
| Equity capital to assets | 10.4302% | 3,394 |
| Core capital (leverage) ratio | 9.4562% | 4,188 |
| Tier 1 risk-based capital ratio | 12.6933% | 4,049 |
| Total risk-based capital ratio | 14.9947% | 3,381 |
| Memoranda: |
| Average total assets | $1,418,433,500,000 | 4 |
| Average earning assets | $1,258,083,500,000 | 4 |
| Average equity | $148,570,000,000 | 4 |
| Average total loans | $651,047,500,000 | 4 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4662% | 2,563 |
| Cost of funding earning assets | 1.0858% | 523 |
| Net interest margin | 3.3804% | 4,052 |
| Noninterest income to average assets | 1.1055% | 754 |
| Noninterest expense to average assets | 2.1259% | 4,507 |
| Loan and lease loss provision to assets | 0.4378% | 296 |
| Net operating income to assets | 1.1749% | 2,290 |
| Return on assets (ROA) | 1.1806% | 2,261 |
| Pretax return on assets | 1.5445% | 1,642 |
| Return on Equity (ROE) | 11.3503% | 1,959 |
| Retained earnings to average equity (ytd only) | 5.6594% | 2,379 |
| Net charge-offs to loans | 0.9594% | 158 |
| Credit loss provision to net charge-offs | 99.6429% | 2,571 |
| Earnings coverage of net charge-offs (x) | 4.4926% | 3,291 |
| Efficiency ratio | 50.9350% | 4,882 |
| Assets per employee ($millions) | 8.5995% | 532 |
| Cash dividends to net income (ytd only)* | 50.1389% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6317% | 963 |
| Loan loss allowance to noncurrent loans | 193.4968% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 2,962 |
| Noncurrent loans to loans | 0.8433% | 1,916 |
| Net loans and leases to total assets | 45.6505% | 4,751 |
| Net loans and leases to deposits | 62.6429% | 4,334 |
| Net loans and leases to core deposits | 158.9679% | 95 |
| Total domestic deposits to total assets | 35.9459% | 5,372 |
| Equity capital to assets | 10.5172% | 3,164 |
| Core capital (leverage) ratio | 9.3880% | 4,250 |
| Tier 1 risk-based capital ratio | 12.7452% | 3,993 |
| Total risk-based capital ratio | 15.0682% | 3,304 |
| Memoranda: |
| Average total assets | $1,402,215,400,000 | 4 |
| Average earning assets | $1,242,068,000,000 | 4 |
| Average equity | $145,846,600,000 | 4 |
| Average total loans | $642,148,200,000 | 4 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3751% | 2,708 |
| Cost of funding earning assets | 1.0237% | 537 |
| Net interest margin | 3.3514% | 4,153 |
| Noninterest income to average assets | 1.2069% | 653 |
| Noninterest expense to average assets | 2.1481% | 4,433 |
| Loan and lease loss provision to assets | 0.4349% | 281 |
| Net operating income to assets | 1.2181% | 2,162 |
| Return on assets (ROA) | 1.2201% | 2,154 |
| Pretax return on assets | 1.5952% | 1,596 |
| Return on Equity (ROE) | 11.7630% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.8179% | 1,739 |
| Net charge-offs to loans | 0.9716% | 144 |
| Credit loss provision to net charge-offs | 98.0687% | 2,321 |
| Earnings coverage of net charge-offs (x) | 4.5695% | 3,047 |
| Efficiency ratio | 50.5688% | 4,912 |
| Assets per employee ($millions) | 8.6108% | 508 |
| Cash dividends to net income (ytd only)* | 33.5387% | 2,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6508% | 964 |
| Loan loss allowance to noncurrent loans | 189.3400% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 3,081 |
| Noncurrent loans to loans | 0.8719% | 1,957 |
| Net loans and leases to total assets | 44.5672% | 4,863 |
| Net loans and leases to deposits | 61.9106% | 4,446 |
| Net loans and leases to core deposits | 151.2350% | 125 |
| Total domestic deposits to total assets | 35.5941% | 5,445 |
| Equity capital to assets | 10.3517% | 3,279 |
| Core capital (leverage) ratio | 9.3251% | 4,369 |
| Tier 1 risk-based capital ratio | 12.4767% | 4,209 |
| Total risk-based capital ratio | 14.7627% | 3,533 |
| Memoranda: |
| Average total assets | $1,401,090,000,000 | 4 |
| Average earning assets | $1,240,587,250,000 | 4 |
| Average equity | $145,321,500,000 | 4 |
| Average total loans | $639,479,000,000 | 4 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2826% | 2,825 |
| Cost of funding earning assets | 0.9563% | 566 |
| Net interest margin | 3.3263% | 4,173 |
| Noninterest income to average assets | 1.2485% | 620 |
| Noninterest expense to average assets | 2.1688% | 4,442 |
| Loan and lease loss provision to assets | 0.4294% | 273 |
| Net operating income to assets | 1.2203% | 2,100 |
| Return on assets (ROA) | 1.2248% | 2,083 |
| Pretax return on assets | 1.6094% | 1,475 |
| Return on Equity (ROE) | 11.8013% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.8013% | 550 |
| Net charge-offs to loans | 1.0067% | 131 |
| Credit loss provision to net charge-offs | 93.2214% | 2,129 |
| Earnings coverage of net charge-offs (x) | 4.4114% | 2,791 |
| Efficiency ratio | 50.7637% | 4,977 |
| Assets per employee ($millions) | 8.4569% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6343% | 1,018 |
| Loan loss allowance to noncurrent loans | 180.7732% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 3,043 |
| Noncurrent loans to loans | 0.9040% | 1,913 |
| Net loans and leases to total assets | 45.1014% | 4,865 |
| Net loans and leases to deposits | 62.8420% | 4,366 |
| Net loans and leases to core deposits | 156.0311% | 95 |
| Total domestic deposits to total assets | 34.7681% | 5,506 |
| Equity capital to assets | 10.5577% | 3,065 |
| Core capital (leverage) ratio | 9.5157% | 4,101 |
| Tier 1 risk-based capital ratio | 12.6739% | 4,077 |
| Total risk-based capital ratio | 14.9706% | 3,405 |
| Memoranda: |
| Average total assets | $1,396,426,333,330 | 4 |
| Average earning assets | $1,239,379,666,670 | 4 |
| Average equity | $144,933,666,670 | 4 |
| Average total loans | $638,889,333,330 | 4 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2114% | 2,849 |
| Cost of funding earning assets | 0.8976% | 599 |
| Net interest margin | 3.3138% | 4,153 |
| Noninterest income to average assets | 1.3452% | 518 |
| Noninterest expense to average assets | 2.1955% | 4,429 |
| Loan and lease loss provision to assets | 0.4279% | 254 |
| Net operating income to assets | 1.2491% | 1,810 |
| Return on assets (ROA) | 1.2406% | 1,854 |
| Pretax return on assets | 1.6525% | 1,237 |
| Return on Equity (ROE) | 12.0574% | 1,560 |
| Retained earnings to average equity (ytd only) | 12.0574% | 674 |
| Net charge-offs to loans | 1.0347% | 137 |
| Credit loss provision to net charge-offs | 90.4848% | 1,671 |
| Earnings coverage of net charge-offs (x) | 4.4176% | 2,307 |
| Efficiency ratio | 50.3880% | 5,064 |
| Assets per employee ($millions) | 8.3286% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6593% | 1,032 |
| Loan loss allowance to noncurrent loans | 172.4833% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 3,073 |
| Noncurrent loans to loans | 0.9620% | 1,895 |
| Net loans and leases to total assets | 44.6813% | 4,864 |
| Net loans and leases to deposits | 62.7773% | 4,286 |
| Net loans and leases to core deposits | 156.5710% | 96 |
| Total domestic deposits to total assets | 34.1476% | 5,569 |
| Equity capital to assets | 10.3300% | 3,240 |
| Core capital (leverage) ratio | 9.2729% | 4,353 |
| Tier 1 risk-based capital ratio | 12.3629% | 4,336 |
| Total risk-based capital ratio | 14.6600% | 3,625 |
| Memoranda: |
| Average total assets | $1,395,742,500,000 | 4 |
| Average earning assets | $1,237,974,000,000 | 4 |
| Average equity | $143,613,000,000 | 4 |
| Average total loans | $637,884,500,000 | 4 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1577% | 2,850 |
| Cost of funding earning assets | 0.8036% | 608 |
| Net interest margin | 3.3541% | 3,997 |
| Noninterest income to average assets | 1.0576% | 905 |
| Noninterest expense to average assets | 2.1913% | 4,545 |
| Loan and lease loss provision to assets | 0.4535% | 301 |
| Net operating income to assets | 0.0603% | 5,293 |
| Return on assets (ROA) | 0.0798% | 5,284 |
| Pretax return on assets | 1.3664% | 2,105 |
| Return on Equity (ROE) | 0.7550% | 5,276 |
| Retained earnings to average equity (ytd only) | -4.3785% | 5,414 |
| Net charge-offs to loans | 0.9915% | 181 |
| Credit loss provision to net charge-offs | 103.2099% | 2,478 |
| Earnings coverage of net charge-offs (x) | 4.0571% | 3,524 |
| Efficiency ratio | 54.0459% | 4,946 |
| Assets per employee ($millions) | 8.1949% | 597 |
| Cash dividends to net income (ytd only)* | 679.9637% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6887% | 966 |
| Loan loss allowance to noncurrent loans | 158.8826% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 2,896 |
| Noncurrent loans to loans | 1.0628% | 1,676 |
| Net loans and leases to total assets | 45.1647% | 4,931 |
| Net loans and leases to deposits | 64.0779% | 4,314 |
| Net loans and leases to core deposits | 156.8422% | 100 |
| Total domestic deposits to total assets | 35.1080% | 5,635 |
| Equity capital to assets | 10.2657% | 3,418 |
| Core capital (leverage) ratio | 9.0112% | 4,638 |
| Tier 1 risk-based capital ratio | 12.4529% | 4,236 |
| Total risk-based capital ratio | 14.5985% | 3,625 |
| Memoranda: |
| Average total assets | $1,382,606,200,000 | 4 |
| Average earning assets | $1,202,124,600,000 | 4 |
| Average equity | $146,101,200,000 | 4 |
| Average total loans | $612,716,400,000 | 4 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1378% | 2,844 |
| Cost of funding earning assets | 0.7855% | 628 |
| Net interest margin | 3.3524% | 4,004 |
| Noninterest income to average assets | 1.0989% | 845 |
| Noninterest expense to average assets | 2.1850% | 4,555 |
| Loan and lease loss provision to assets | 0.4387% | 299 |
| Net operating income to assets | 0.9183% | 2,931 |
| Return on assets (ROA) | 0.9505% | 2,840 |
| Pretax return on assets | 1.4262% | 2,033 |
| Return on Equity (ROE) | 8.9311% | 2,643 |
| Retained earnings to average equity (ytd only) | 2.1315% | 4,585 |
| Net charge-offs to loans | 0.9728% | 179 |
| Credit loss provision to net charge-offs | 102.7106% | 2,233 |
| Earnings coverage of net charge-offs (x) | 4.2482% | 3,251 |
| Efficiency ratio | 53.5294% | 4,967 |
| Assets per employee ($millions) | 8.0967% | 610 |
| Cash dividends to net income (ytd only)* | 76.1344% | 755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7151% | 1,000 |
| Loan loss allowance to noncurrent loans | 154.9396% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,936 |
| Noncurrent loans to loans | 1.1069% | 1,738 |
| Net loans and leases to total assets | 43.3638% | 5,060 |
| Net loans and leases to deposits | 63.0401% | 4,440 |
| Net loans and leases to core deposits | 155.9631% | 97 |
| Total domestic deposits to total assets | 33.3646% | 5,703 |
| Equity capital to assets | 10.5752% | 3,286 |
| Core capital (leverage) ratio | 9.3468% | 4,351 |
| Tier 1 risk-based capital ratio | 12.4965% | 4,315 |
| Total risk-based capital ratio | 14.7801% | 3,597 |
| Memoranda: |
| Average total assets | $1,381,833,500,000 | 4 |
| Average earning assets | $1,195,664,500,000 | 4 |
| Average equity | $147,063,500,000 | 4 |
| Average total loans | $606,746,500,000 | 4 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0955% | 2,842 |
| Cost of funding earning assets | 0.7540% | 669 |
| Net interest margin | 3.3415% | 3,977 |
| Noninterest income to average assets | 1.1129% | 809 |
| Noninterest expense to average assets | 2.2588% | 4,443 |
| Loan and lease loss provision to assets | 0.3976% | 334 |
| Net operating income to assets | 0.8934% | 2,943 |
| Return on assets (ROA) | 0.9257% | 2,831 |
| Pretax return on assets | 1.3923% | 2,052 |
| Return on Equity (ROE) | 8.6769% | 2,678 |
| Retained earnings to average equity (ytd only) | 2.5347% | 4,168 |
| Net charge-offs to loans | 0.9694% | 202 |
| Credit loss provision to net charge-offs | 93.5572% | 2,104 |
| Earnings coverage of net charge-offs (x) | 4.0946% | 2,977 |
| Efficiency ratio | 55.3698% | 4,888 |
| Assets per employee ($millions) | 7.9859% | 626 |
| Cash dividends to net income (ytd only)* | 70.7881% | 1,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6779% | 1,101 |
| Loan loss allowance to noncurrent loans | 145.7357% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,908 |
| Noncurrent loans to loans | 1.1513% | 1,699 |
| Net loans and leases to total assets | 43.1606% | 5,092 |
| Net loans and leases to deposits | 62.2182% | 4,492 |
| Net loans and leases to core deposits | 160.4699% | 90 |
| Total domestic deposits to total assets | 33.8813% | 5,750 |
| Equity capital to assets | 10.5652% | 3,265 |
| Core capital (leverage) ratio | 9.3811% | 4,252 |
| Tier 1 risk-based capital ratio | 12.5398% | 4,280 |
| Total risk-based capital ratio | 14.7364% | 3,622 |
| Memoranda: |
| Average total assets | $1,373,396,000,000 | 4 |
| Average earning assets | $1,186,130,333,330 | 4 |
| Average equity | $146,526,666,670 | 4 |
| Average total loans | $602,026,666,670 | 4 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0785% | 2,733 |
| Cost of funding earning assets | 0.7255% | 741 |
| Net interest margin | 3.3530% | 3,830 |
| Noninterest income to average assets | 1.1593% | 752 |
| Noninterest expense to average assets | 2.2303% | 4,573 |
| Loan and lease loss provision to assets | 0.4075% | 272 |
| Net operating income to assets | 0.9480% | 2,533 |
| Return on assets (ROA) | 0.9739% | 2,473 |
| Pretax return on assets | 1.4597% | 1,665 |
| Return on Equity (ROE) | 9.0831% | 2,373 |
| Retained earnings to average equity (ytd only) | 3.5948% | 3,642 |
| Net charge-offs to loans | 0.9874% | 170 |
| Credit loss provision to net charge-offs | 94.2177% | 1,658 |
| Earnings coverage of net charge-offs (x) | 4.2170% | 2,406 |
| Efficiency ratio | 53.7920% | 5,149 |
| Assets per employee ($millions) | 7.9802% | 626 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7499% | 1,057 |
| Loan loss allowance to noncurrent loans | 138.0013% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 2,837 |
| Noncurrent loans to loans | 1.2680% | 1,591 |
| Net loans and leases to total assets | 42.7498% | 5,119 |
| Net loans and leases to deposits | 60.6995% | 4,517 |
| Net loans and leases to core deposits | 153.3547% | 96 |
| Total domestic deposits to total assets | 34.7325% | 5,818 |
| Equity capital to assets | 10.7523% | 2,907 |
| Core capital (leverage) ratio | 9.4646% | 4,155 |
| Tier 1 risk-based capital ratio | 12.5841% | 4,335 |
| Total risk-based capital ratio | 14.2619% | 3,975 |
| Memoranda: |
| Average total assets | $1,359,442,500,000 | 4 |
| Average earning assets | $1,173,758,000,000 | 4 |
| Average equity | $145,764,500,000 | 4 |
| Average total loans | $595,474,000,000 | 4 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0350% | 3,077 |
| Cost of funding earning assets | 0.6333% | 1,143 |
| Net interest margin | 3.4017% | 3,822 |
| Noninterest income to average assets | 1.0339% | 1,057 |
| Noninterest expense to average assets | 2.2161% | 4,738 |
| Loan and lease loss provision to assets | 0.4128% | 370 |
| Net operating income to assets | 0.9330% | 2,660 |
| Return on assets (ROA) | 0.9531% | 2,674 |
| Pretax return on assets | 1.3934% | 1,969 |
| Return on Equity (ROE) | 8.7240% | 2,554 |
| Retained earnings to average equity (ytd only) | -0.6823% | 5,408 |
| Net charge-offs to loans | 1.0060% | 184 |
| Credit loss provision to net charge-offs | 92.3833% | 2,757 |
| Earnings coverage of net charge-offs (x) | 3.9690% | 3,584 |
| Efficiency ratio | 54.5024% | 5,201 |
| Assets per employee ($millions) | 8.4650% | 509 |
| Cash dividends to net income (ytd only)* | 107.8209% | 286 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7584% | 1,024 |
| Loan loss allowance to noncurrent loans | 127.7778% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 2,756 |
| Noncurrent loans to loans | 1.3761% | 1,489 |
| Net loans and leases to total assets | 43.3232% | 5,156 |
| Net loans and leases to deposits | 61.8264% | 4,558 |
| Net loans and leases to core deposits | 151.5101% | 106 |
| Total domestic deposits to total assets | 34.9388% | 5,876 |
| Equity capital to assets | 10.6921% | 2,935 |
| Core capital (leverage) ratio | 9.4737% | 4,119 |
| Tier 1 risk-based capital ratio | 12.6177% | 4,313 |
| Total risk-based capital ratio | 14.2377% | 3,991 |
| Memoranda: |
| Average total assets | $1,342,815,600,000 | 4 |
| Average earning assets | $1,166,739,000,000 | 4 |
| Average equity | $146,711,000,000 | 4 |
| Average total loans | $596,431,800,000 | 4 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0243% | 3,128 |
| Cost of funding earning assets | 0.6220% | 1,192 |
| Net interest margin | 3.4023% | 3,827 |
| Noninterest income to average assets | 1.0078% | 1,133 |
| Noninterest expense to average assets | 2.2064% | 4,755 |
| Loan and lease loss provision to assets | 0.4063% | 357 |
| Net operating income to assets | 0.9265% | 2,775 |
| Return on assets (ROA) | 0.9372% | 2,842 |
| Pretax return on assets | 1.3678% | 2,162 |
| Return on Equity (ROE) | 8.5321% | 2,747 |
| Retained earnings to average equity (ytd only) | 0.2055% | 5,292 |
| Net charge-offs to loans | 0.9520% | 181 |
| Credit loss provision to net charge-offs | 95.9165% | 2,439 |
| Earnings coverage of net charge-offs (x) | 4.1420% | 3,310 |
| Efficiency ratio | 54.7061% | 5,183 |
| Assets per employee ($millions) | 8.4109% | 502 |
| Cash dividends to net income (ytd only)* | 97.5920% | 431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7775% | 1,053 |
| Loan loss allowance to noncurrent loans | 130.7767% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 2,885 |
| Noncurrent loans to loans | 1.3592% | 1,624 |
| Net loans and leases to total assets | 43.9014% | 5,198 |
| Net loans and leases to deposits | 62.8274% | 4,573 |
| Net loans and leases to core deposits | 154.9774% | 108 |
| Total domestic deposits to total assets | 33.8802% | 5,945 |
| Equity capital to assets | 10.9217% | 3,097 |
| Core capital (leverage) ratio | 9.6234% | 4,028 |
| Tier 1 risk-based capital ratio | 12.9552% | 4,190 |
| Total risk-based capital ratio | 14.1661% | 4,125 |
| Memoranda: |
| Average total assets | $1,341,124,250,000 | 4 |
| Average earning assets | $1,164,094,500,000 | 4 |
| Average equity | $147,314,250,000 | 4 |
| Average total loans | $596,753,000,000 | 4 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9985% | 3,253 |
| Cost of funding earning assets | 0.6084% | 1,263 |
| Net interest margin | 3.3901% | 3,933 |
| Noninterest income to average assets | 1.0492% | 1,014 |
| Noninterest expense to average assets | 2.2014% | 4,840 |
| Loan and lease loss provision to assets | 0.3952% | 392 |
| Net operating income to assets | 0.9541% | 2,609 |
| Return on assets (ROA) | 0.9540% | 2,752 |
| Pretax return on assets | 1.3955% | 2,047 |
| Return on Equity (ROE) | 8.6685% | 2,655 |
| Retained earnings to average equity (ytd only) | 0.9154% | 5,028 |
| Net charge-offs to loans | 0.9980% | 186 |
| Credit loss provision to net charge-offs | 89.1290% | 2,253 |
| Earnings coverage of net charge-offs (x) | 4.0314% | 3,025 |
| Efficiency ratio | 54.2875% | 5,286 |
| Assets per employee ($millions) | 8.4607% | 484 |
| Cash dividends to net income (ytd only)* | 89.4398% | 697 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7451% | 1,185 |
| Loan loss allowance to noncurrent loans | 123.4226% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 2,897 |
| Noncurrent loans to loans | 1.4139% | 1,571 |
| Net loans and leases to total assets | 43.7100% | 5,251 |
| Net loans and leases to deposits | 63.0160% | 4,570 |
| Net loans and leases to core deposits | 156.7630% | 96 |
| Total domestic deposits to total assets | 34.1537% | 6,023 |
| Equity capital to assets | 10.9026% | 3,164 |
| Core capital (leverage) ratio | 9.7117% | 3,916 |
| Tier 1 risk-based capital ratio | 12.6509% | 4,420 |
| Total risk-based capital ratio | 14.8578% | 3,755 |
| Memoranda: |
| Average total assets | $1,336,034,666,670 | 4 |
| Average earning assets | $1,158,537,333,330 | 4 |
| Average equity | $147,038,666,670 | 4 |
| Average total loans | $593,586,666,670 | 4 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0102% | 3,188 |
| Cost of funding earning assets | 0.5849% | 1,449 |
| Net interest margin | 3.4252% | 3,787 |
| Noninterest income to average assets | 0.9882% | 1,102 |
| Noninterest expense to average assets | 2.2195% | 4,861 |
| Loan and lease loss provision to assets | 0.4641% | 275 |
| Net operating income to assets | 0.8837% | 2,836 |
| Return on assets (ROA) | 0.8686% | 3,020 |
| Pretax return on assets | 1.2646% | 2,450 |
| Return on Equity (ROE) | 7.8542% | 3,003 |
| Retained earnings to average equity (ytd only) | 0.1889% | 5,063 |
| Net charge-offs to loans | 1.0583% | 173 |
| Credit loss provision to net charge-offs | 98.7758% | 1,686 |
| Earnings coverage of net charge-offs (x) | 3.7223% | 2,507 |
| Efficiency ratio | 55.0122% | 5,285 |
| Assets per employee ($millions) | 8.1041% | 545 |
| Cash dividends to net income (ytd only)* | 97.5950% | 735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8585% | 1,035 |
| Loan loss allowance to noncurrent loans | 127.0522% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 3,008 |
| Noncurrent loans to loans | 1.4628% | 1,611 |
| Net loans and leases to total assets | 42.8538% | 5,306 |
| Net loans and leases to deposits | 60.7288% | 4,662 |
| Net loans and leases to core deposits | 151.0122% | 103 |
| Total domestic deposits to total assets | 34.4319% | 6,085 |
| Equity capital to assets | 10.9860% | 2,961 |
| Core capital (leverage) ratio | 9.8753% | 3,692 |
| Tier 1 risk-based capital ratio | 12.7903% | 4,405 |
| Total risk-based capital ratio | 15.0243% | 3,758 |
| Memoranda: |
| Average total assets | $1,321,222,000,000 | 4 |
| Average earning assets | $1,149,580,500,000 | 4 |
| Average equity | $146,112,000,000 | 4 |
| Average total loans | $586,614,000,000 | 4 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9747% | 3,407 |
| Cost of funding earning assets | 0.5534% | 1,735 |
| Net interest margin | 3.4213% | 3,832 |
| Noninterest income to average assets | 1.2703% | 738 |
| Noninterest expense to average assets | 2.3596% | 4,617 |
| Loan and lease loss provision to assets | 0.3923% | 354 |
| Net operating income to assets | 0.9831% | 2,454 |
| Return on assets (ROA) | 0.9893% | 2,512 |
| Pretax return on assets | 1.4871% | 1,597 |
| Return on Equity (ROE) | 8.9685% | 2,471 |
| Retained earnings to average equity (ytd only) | -0.2115% | 5,541 |
| Net charge-offs to loans | 1.0402% | 190 |
| Credit loss provision to net charge-offs | 85.2903% | 2,853 |
| Earnings coverage of net charge-offs (x) | 4.0574% | 3,616 |
| Efficiency ratio | 54.7525% | 5,466 |
| Assets per employee ($millions) | 7.6274% | 650 |
| Cash dividends to net income (ytd only)* | 102.3580% | 366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8489% | 1,053 |
| Loan loss allowance to noncurrent loans | 131.6511% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 3,006 |
| Noncurrent loans to loans | 1.4044% | 1,662 |
| Net loans and leases to total assets | 44.3227% | 5,262 |
| Net loans and leases to deposits | 62.9505% | 4,545 |
| Net loans and leases to core deposits | 153.0002% | 98 |
| Total domestic deposits to total assets | 34.7213% | 6,146 |
| Equity capital to assets | 11.1341% | 2,693 |
| Core capital (leverage) ratio | 9.8021% | 3,767 |
| Tier 1 risk-based capital ratio | 12.7413% | 4,484 |
| Total risk-based capital ratio | 14.9862% | 3,796 |
| Memoranda: |
| Average total assets | $1,333,227,200,000 | 4 |
| Average earning assets | $1,151,683,400,000 | 4 |
| Average equity | $147,059,000,000 | 4 |
| Average total loans | $589,489,800,000 | 4 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9555% | 3,522 |
| Cost of funding earning assets | 0.5522% | 1,783 |
| Net interest margin | 3.4033% | 3,941 |
| Noninterest income to average assets | 1.3224% | 697 |
| Noninterest expense to average assets | 2.3652% | 4,608 |
| Loan and lease loss provision to assets | 0.3410% | 395 |
| Net operating income to assets | 1.0186% | 2,381 |
| Return on assets (ROA) | 1.0337% | 2,399 |
| Pretax return on assets | 1.5749% | 1,457 |
| Return on Equity (ROE) | 9.3927% | 2,355 |
| Retained earnings to average equity (ytd only) | 1.9876% | 4,885 |
| Net charge-offs to loans | 1.0016% | 190 |
| Credit loss provision to net charge-offs | 77.3968% | 2,655 |
| Earnings coverage of net charge-offs (x) | 4.2910% | 3,375 |
| Efficiency ratio | 54.4663% | 5,477 |
| Assets per employee ($millions) | 7.6778% | 626 |
| Cash dividends to net income (ytd only)* | 78.8386% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8803% | 1,113 |
| Loan loss allowance to noncurrent loans | 130.9976% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 3,229 |
| Noncurrent loans to loans | 1.4354% | 1,756 |
| Net loans and leases to total assets | 43.0240% | 5,420 |
| Net loans and leases to deposits | 60.9149% | 4,790 |
| Net loans and leases to core deposits | 153.8855% | 92 |
| Total domestic deposits to total assets | 33.5620% | 6,232 |
| Equity capital to assets | 10.9735% | 3,059 |
| Core capital (leverage) ratio | 9.7659% | 3,941 |
| Tier 1 risk-based capital ratio | 12.6658% | 4,636 |
| Total risk-based capital ratio | 14.8854% | 3,991 |
| Memoranda: |
| Average total assets | $1,341,583,750,000 | 4 |
| Average earning assets | $1,156,290,500,000 | 4 |
| Average equity | $147,643,500,000 | 3 |
| Average total loans | $590,122,500,000 | 4 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9575% | 3,459 |
| Cost of funding earning assets | 0.5612% | 1,718 |
| Net interest margin | 3.3963% | 3,920 |
| Noninterest income to average assets | 1.3781% | 658 |
| Noninterest expense to average assets | 2.3662% | 4,672 |
| Loan and lease loss provision to assets | 0.3363% | 406 |
| Net operating income to assets | 1.0459% | 2,154 |
| Return on assets (ROA) | 1.0662% | 2,182 |
| Pretax return on assets | 1.6328% | 1,247 |
| Return on Equity (ROE) | 9.6794% | 2,215 |
| Retained earnings to average equity (ytd only) | 3.4599% | 3,840 |
| Net charge-offs to loans | 1.0604% | 190 |
| Credit loss provision to net charge-offs | 72.0255% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.1445% | 3,084 |
| Efficiency ratio | 53.9301% | 5,592 |
| Assets per employee ($millions) | 7.7006% | 609 |
| Cash dividends to net income (ytd only)* | 64.2548% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8990% | 1,165 |
| Loan loss allowance to noncurrent loans | 135.1477% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 3,374 |
| Noncurrent loans to loans | 1.4052% | 1,917 |
| Net loans and leases to total assets | 43.6747% | 5,397 |
| Net loans and leases to deposits | 61.9687% | 4,703 |
| Net loans and leases to core deposits | 160.7690% | 78 |
| Total domestic deposits to total assets | 33.0346% | 6,306 |
| Equity capital to assets | 11.0962% | 2,785 |
| Core capital (leverage) ratio | 9.8104% | 3,851 |
| Tier 1 risk-based capital ratio | 12.7016% | 4,680 |
| Total risk-based capital ratio | 14.9225% | 4,047 |
| Memoranda: |
| Average total assets | $1,342,838,000,000 | 4 |
| Average earning assets | $1,155,772,000,000 | 4 |
| Average equity | $147,922,666,670 | 3 |
| Average total loans | $591,292,000,000 | 4 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9584% | 3,387 |
| Cost of funding earning assets | 0.5684% | 1,674 |
| Net interest margin | 3.3900% | 3,884 |
| Noninterest income to average assets | 1.3256% | 651 |
| Noninterest expense to average assets | 2.3697% | 4,684 |
| Loan and lease loss provision to assets | 0.3471% | 371 |
| Net operating income to assets | 1.0113% | 2,211 |
| Return on assets (ROA) | 1.0456% | 2,198 |
| Pretax return on assets | 1.5722% | 1,341 |
| Return on Equity (ROE) | 9.5269% | 2,209 |
| Retained earnings to average equity (ytd only) | 6.5489% | 2,215 |
| Net charge-offs to loans | 1.1074% | 212 |
| Credit loss provision to net charge-offs | 71.5686% | 1,899 |
| Earnings coverage of net charge-offs (x) | 3.8438% | 2,561 |
| Efficiency ratio | 54.8077% | 5,612 |
| Assets per employee ($millions) | 7.6332% | 638 |
| Cash dividends to net income (ytd only)* | 31.2589% | 2,308 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0022% | 1,074 |
| Loan loss allowance to noncurrent loans | 128.6390% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 3,278 |
| Noncurrent loans to loans | 1.5564% | 1,802 |
| Net loans and leases to total assets | 42.8714% | 5,430 |
| Net loans and leases to deposits | 61.0949% | 4,656 |
| Net loans and leases to core deposits | 155.0803% | 86 |
| Total domestic deposits to total assets | 34.0439% | 6,378 |
| Equity capital to assets | 11.1137% | 2,849 |
| Core capital (leverage) ratio | 9.6010% | 4,151 |
| Tier 1 risk-based capital ratio | 12.6709% | 4,801 |
| Total risk-based capital ratio | 14.8880% | 4,165 |
| Memoranda: |
| Average total assets | $1,346,156,500,000 | 4 |
| Average earning assets | $1,154,824,000,000 | 4 |
| Average equity | $147,750,500,000 | 3 |
| Average total loans | $589,498,500,000 | 4 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0624% | 3,472 |
| Cost of funding earning assets | 0.6228% | 1,587 |
| Net interest margin | 3.4396% | 4,022 |
| Noninterest income to average assets | 1.1816% | 864 |
| Noninterest expense to average assets | 2.6713% | 3,970 |
| Loan and lease loss provision to assets | 0.2921% | 707 |
| Net operating income to assets | 0.7643% | 3,544 |
| Return on assets (ROA) | 0.7578% | 3,689 |
| Pretax return on assets | 1.1707% | 2,778 |
| Return on Equity (ROE) | 6.9925% | 3,640 |
| Retained earnings to average equity (ytd only) | 0.9791% | 5,335 |
| Net charge-offs to loans | 1.1901% | 228 |
| Credit loss provision to net charge-offs | 55.4798% | 3,370 |
| Earnings coverage of net charge-offs (x) | 2.7898% | 4,061 |
| Efficiency ratio | 63.3410% | 4,695 |
| Assets per employee ($millions) | 7.6908% | 604 |
| Cash dividends to net income (ytd only)* | 85.9986% | 699 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0611% | 1,007 |
| Loan loss allowance to noncurrent loans | 121.3727% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 3,199 |
| Noncurrent loans to loans | 1.6981% | 1,722 |
| Net loans and leases to total assets | 42.9203% | 5,546 |
| Net loans and leases to deposits | 62.1908% | 4,710 |
| Net loans and leases to core deposits | 161.2551% | 79 |
| Total domestic deposits to total assets | 33.5766% | 6,467 |
| Equity capital to assets | 10.8621% | 3,047 |
| Core capital (leverage) ratio | 9.4435% | 4,314 |
| Tier 1 risk-based capital ratio | 13.6458% | 4,327 |
| Total risk-based capital ratio | 14.8065% | 4,313 |
| Memoranda: |
| Average total assets | $1,365,652,000,000 | 4 |
| Average earning assets | $1,174,667,400,000 | 4 |
| Average equity | $148,000,400,000 | 3 |
| Average total loans | $604,152,400,000 | 4 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0669% | 3,496 |
| Cost of funding earning assets | 0.6398% | 1,528 |
| Net interest margin | 3.4271% | 4,119 |
| Noninterest income to average assets | 1.2374% | 794 |
| Noninterest expense to average assets | 2.5559% | 4,335 |
| Loan and lease loss provision to assets | 0.2702% | 777 |
| Net operating income to assets | 0.9120% | 2,856 |
| Return on assets (ROA) | 0.8972% | 3,018 |
| Pretax return on assets | 1.3449% | 2,216 |
| Return on Equity (ROE) | 8.2838% | 3,050 |
| Retained earnings to average equity (ytd only) | 0.2745% | 5,724 |
| Net charge-offs to loans | 1.1993% | 228 |
| Credit loss provision to net charge-offs | 50.8065% | 3,086 |
| Earnings coverage of net charge-offs (x) | 3.0713% | 3,750 |
| Efficiency ratio | 59.8362% | 5,202 |
| Assets per employee ($millions) | 7.7501% | 575 |
| Cash dividends to net income (ytd only)* | 96.6866% | 397 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1497% | 1,022 |
| Loan loss allowance to noncurrent loans | 118.6247% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 3,266 |
| Noncurrent loans to loans | 1.8122% | 1,778 |
| Net loans and leases to total assets | 42.6356% | 5,625 |
| Net loans and leases to deposits | 61.9591% | 4,744 |
| Net loans and leases to core deposits | 162.6528% | 76 |
| Total domestic deposits to total assets | 32.1605% | 6,548 |
| Equity capital to assets | 10.7156% | 3,276 |
| Core capital (leverage) ratio | 9.4587% | 4,430 |
| Tier 1 risk-based capital ratio | 13.5679% | 4,493 |
| Total risk-based capital ratio | 14.4489% | 4,666 |
| Memoranda: |
| Average total assets | $1,367,869,750,000 | 4 |
| Average earning assets | $1,178,201,500,000 | 4 |
| Average equity | $148,156,750,000 | 3 |
| Average total loans | $606,543,250,000 | 4 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0485% | 3,551 |
| Cost of funding earning assets | 0.6436% | 1,561 |
| Net interest margin | 3.4049% | 4,152 |
| Noninterest income to average assets | 1.2213% | 784 |
| Noninterest expense to average assets | 2.4889% | 4,614 |
| Loan and lease loss provision to assets | 0.2735% | 755 |
| Net operating income to assets | 0.9155% | 2,729 |
| Return on assets (ROA) | 0.9028% | 2,889 |
| Pretax return on assets | 1.3857% | 1,950 |
| Return on Equity (ROE) | 8.3055% | 2,929 |
| Retained earnings to average equity (ytd only) | 1.6988% | 5,056 |
| Net charge-offs to loans | 1.2411% | 248 |
| Credit loss provision to net charge-offs | 49.4043% | 2,804 |
| Earnings coverage of net charge-offs (x) | 3.0270% | 3,410 |
| Efficiency ratio | 58.5853% | 5,482 |
| Assets per employee ($millions) | 7.6866% | 569 |
| Cash dividends to net income (ytd only)* | 79.5455% | 914 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2486% | 957 |
| Loan loss allowance to noncurrent loans | 120.3193% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 3,284 |
| Noncurrent loans to loans | 1.8689% | 1,840 |
| Net loans and leases to total assets | 43.5741% | 5,561 |
| Net loans and leases to deposits | 61.3814% | 4,748 |
| Net loans and leases to core deposits | 164.9125% | 66 |
| Total domestic deposits to total assets | 32.9808% | 6,613 |
| Equity capital to assets | 10.8900% | 2,988 |
| Core capital (leverage) ratio | 9.6801% | 4,070 |
| Tier 1 risk-based capital ratio | 13.8345% | 4,363 |
| Total risk-based capital ratio | 14.8944% | 4,437 |
| Memoranda: |
| Average total assets | $1,364,619,666,670 | 4 |
| Average earning assets | $1,179,587,666,670 | 4 |
| Average equity | $148,335,666,670 | 3 |
| Average total loans | $608,637,333,330 | 4 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0314% | 3,558 |
| Cost of funding earning assets | 0.6452% | 1,616 |
| Net interest margin | 3.3862% | 4,186 |
| Noninterest income to average assets | 1.2724% | 686 |
| Noninterest expense to average assets | 2.3344% | 5,114 |
| Loan and lease loss provision to assets | 0.3055% | 626 |
| Net operating income to assets | 0.9895% | 2,248 |
| Return on assets (ROA) | 0.9742% | 2,372 |
| Pretax return on assets | 1.5355% | 1,324 |
| Return on Equity (ROE) | 8.9709% | 2,479 |
| Retained earnings to average equity (ytd only) | 0.2981% | 5,453 |
| Net charge-offs to loans | 1.1565% | 290 |
| Credit loss provision to net charge-offs | 59.2128% | 2,119 |
| Earnings coverage of net charge-offs (x) | 3.6184% | 2,653 |
| Efficiency ratio | 54.3786% | 5,984 |
| Assets per employee ($millions) | 7.4946% | 632 |
| Cash dividends to net income (ytd only)* | 96.6767% | 724 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4705% | 841 |
| Loan loss allowance to noncurrent loans | 120.8196% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 3,296 |
| Noncurrent loans to loans | 2.0448% | 1,816 |
| Net loans and leases to total assets | 43.4059% | 5,561 |
| Net loans and leases to deposits | 60.6385% | 4,693 |
| Net loans and leases to core deposits | 162.6784% | 68 |
| Total domestic deposits to total assets | 33.3015% | 6,685 |
| Equity capital to assets | 10.8367% | 2,897 |
| Core capital (leverage) ratio | 9.5599% | 4,191 |
| Tier 1 risk-based capital ratio | 14.0088% | 4,333 |
| Total risk-based capital ratio | 15.9856% | 3,817 |
| Memoranda: |
| Average total assets | $1,359,006,000,000 | 4 |
| Average earning assets | $1,175,470,500,000 | 4 |
| Average equity | $147,588,500,000 | 3 |
| Average total loans | $606,304,000,000 | 4 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2338% | 3,217 |
| Cost of funding earning assets | 0.7249% | 1,648 |
| Net interest margin | 3.5089% | 3,860 |
| Noninterest income to average assets | 1.2542% | 884 |
| Noninterest expense to average assets | 2.4089% | 5,047 |
| Loan and lease loss provision to assets | 0.3621% | 863 |
| Net operating income to assets | 1.0384% | 2,168 |
| Return on assets (ROA) | 1.0748% | 2,105 |
| Pretax return on assets | 1.5403% | 1,325 |
| Return on Equity (ROE) | 9.6837% | 2,243 |
| Retained earnings to average equity (ytd only) | 1.4221% | 5,183 |
| Net charge-offs to loans | 1.6286% | 278 |
| Credit loss provision to net charge-offs | 49.3596% | 3,834 |
| Earnings coverage of net charge-offs (x) | 2.5323% | 4,167 |
| Efficiency ratio | 55.2183% | 6,026 |
| Assets per employee ($millions) | 7.3758% | 635 |
| Cash dividends to net income (ytd only)* | 85.3147% | 762 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5881% | 732 |
| Loan loss allowance to noncurrent loans | 121.2189% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 3,379 |
| Noncurrent loans to loans | 2.1351% | 1,841 |
| Net loans and leases to total assets | 43.5652% | 5,710 |
| Net loans and leases to deposits | 60.2190% | 4,920 |
| Net loans and leases to core deposits | 165.9958% | 61 |
| Total domestic deposits to total assets | 33.2724% | 6,764 |
| Equity capital to assets | 10.8835% | 2,722 |
| Core capital (leverage) ratio | 9.2344% | 4,666 |
| Tier 1 risk-based capital ratio | 13.5302% | 4,635 |
| Total risk-based capital ratio | 15.6164% | 3,983 |
| Memoranda: |
| Average total assets | $1,330,440,400,000 | 3 |
| Average earning assets | $1,142,113,800,000 | 4 |
| Average equity | $147,670,600,000 | 3 |
| Average total loans | $599,228,200,000 | 4 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2221% | 3,307 |
| Cost of funding earning assets | 0.7459% | 1,630 |
| Net interest margin | 3.4762% | 3,990 |
| Noninterest income to average assets | 1.3071% | 872 |
| Noninterest expense to average assets | 2.3894% | 5,054 |
| Loan and lease loss provision to assets | 0.3628% | 876 |
| Net operating income to assets | 1.0787% | 2,090 |
| Return on assets (ROA) | 1.1134% | 2,027 |
| Pretax return on assets | 1.5792% | 1,390 |
| Return on Equity (ROE) | 9.9813% | 2,192 |
| Retained earnings to average equity (ytd only) | 2.1277% | 5,041 |
| Net charge-offs to loans | 1.7371% | 243 |
| Credit loss provision to net charge-offs | 46.2873% | 3,592 |
| Earnings coverage of net charge-offs (x) | 2.4180% | 4,025 |
| Efficiency ratio | 54.5299% | 6,054 |
| Assets per employee ($millions) | 7.2956% | 648 |
| Cash dividends to net income (ytd only)* | 78.6832% | 829 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7823% | 682 |
| Loan loss allowance to noncurrent loans | 121.1336% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 3,474 |
| Noncurrent loans to loans | 2.2969% | 1,912 |
| Net loans and leases to total assets | 43.3463% | 5,785 |
| Net loans and leases to deposits | 60.2982% | 4,938 |
| Net loans and leases to core deposits | 166.7482% | 62 |
| Total domestic deposits to total assets | 32.4687% | 6,843 |
| Equity capital to assets | 10.9321% | 2,827 |
| Core capital (leverage) ratio | 9.4900% | 4,424 |
| Tier 1 risk-based capital ratio | 13.7026% | 4,627 |
| Total risk-based capital ratio | 15.8094% | 3,991 |
| Memoranda: |
| Average total assets | $1,324,102,500,000 | 3 |
| Average earning assets | $1,134,154,500,000 | 4 |
| Average equity | $147,699,000,000 | 3 |
| Average total loans | $597,448,750,000 | 4 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2908% | 2,993 |
| Cost of funding earning assets | 0.7665% | 1,609 |
| Net interest margin | 3.5244% | 3,683 |
| Noninterest income to average assets | 1.4268% | 776 |
| Noninterest expense to average assets | 2.4271% | 4,972 |
| Loan and lease loss provision to assets | 0.4069% | 757 |
| Net operating income to assets | 1.1089% | 1,900 |
| Return on assets (ROA) | 1.1477% | 1,874 |
| Pretax return on assets | 1.6597% | 1,214 |
| Return on Equity (ROE) | 10.2188% | 2,121 |
| Retained earnings to average equity (ytd only) | 2.4978% | 4,709 |
| Net charge-offs to loans | 1.9083% | 238 |
| Credit loss provision to net charge-offs | 47.0702% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.3239% | 3,749 |
| Efficiency ratio | 53.4995% | 6,179 |
| Assets per employee ($millions) | 7.0912% | 695 |
| Cash dividends to net income (ytd only)* | 75.5567% | 1,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9973% | 586 |
| Loan loss allowance to noncurrent loans | 126.8416% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 3,480 |
| Noncurrent loans to loans | 2.3631% | 1,999 |
| Net loans and leases to total assets | 43.5931% | 5,778 |
| Net loans and leases to deposits | 60.3053% | 4,942 |
| Net loans and leases to core deposits | 167.0344% | 64 |
| Total domestic deposits to total assets | 33.1402% | 6,895 |
| Equity capital to assets | 11.0697% | 2,687 |
| Core capital (leverage) ratio | 9.4055% | 4,384 |
| Tier 1 risk-based capital ratio | 13.3330% | 4,895 |
| Total risk-based capital ratio | 15.4349% | 4,260 |
| Memoranda: |
| Average total assets | $1,314,666,000,000 | 3 |
| Average earning assets | $1,122,577,000,000 | 4 |
| Average equity | $147,649,666,670 | 3 |
| Average total loans | $595,599,333,330 | 4 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4447% | 2,370 |
| Cost of funding earning assets | 0.7974% | 1,541 |
| Net interest margin | 3.6473% | 3,084 |
| Noninterest income to average assets | 1.3330% | 867 |
| Noninterest expense to average assets | 2.4461% | 4,962 |
| Loan and lease loss provision to assets | 0.4718% | 581 |
| Net operating income to assets | 1.0905% | 1,897 |
| Return on assets (ROA) | 1.1547% | 1,761 |
| Pretax return on assets | 1.6170% | 1,263 |
| Return on Equity (ROE) | 10.2069% | 1,993 |
| Retained earnings to average equity (ytd only) | 5.0778% | 3,187 |
| Net charge-offs to loans | 1.9670% | 240 |
| Credit loss provision to net charge-offs | 52.7304% | 2,561 |
| Earnings coverage of net charge-offs (x) | 2.2276% | 3,097 |
| Efficiency ratio | 53.8763% | 6,238 |
| Assets per employee ($millions) | 6.8850% | 819 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2890% | 498 |
| Loan loss allowance to noncurrent loans | 128.0161% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 3,502 |
| Noncurrent loans to loans | 2.5692% | 2,010 |
| Net loans and leases to total assets | 43.8080% | 5,684 |
| Net loans and leases to deposits | 60.1948% | 4,771 |
| Net loans and leases to core deposits | 161.1749% | 71 |
| Total domestic deposits to total assets | 32.7871% | 6,967 |
| Equity capital to assets | 11.3940% | 2,526 |
| Core capital (leverage) ratio | 9.3944% | 4,254 |
| Tier 1 risk-based capital ratio | 13.7473% | 4,694 |
| Total risk-based capital ratio | 15.8970% | 4,034 |
| Memoranda: |
| Average total assets | $1,309,829,500,000 | 3 |
| Average earning assets | $1,115,565,500,000 | 4 |
| Average equity | $148,174,500,000 | 2 |
| Average total loans | $595,819,000,000 | 4 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6030% | 2,989 |
| Cost of funding earning assets | 0.8693% | 2,143 |
| Net interest margin | 3.7337% | 3,508 |
| Noninterest income to average assets | 1.0863% | 1,314 |
| Noninterest expense to average assets | 2.6040% | 4,730 |
| Loan and lease loss provision to assets | 0.6397% | 838 |
| Net operating income to assets | 0.7998% | 3,289 |
| Return on assets (ROA) | 0.8920% | 3,092 |
| Pretax return on assets | 1.1485% | 2,993 |
| Return on Equity (ROE) | 7.7053% | 3,228 |
| Retained earnings to average equity (ytd only) | -4.6869% | 6,404 |
| Net charge-offs to loans | 2.1630% | 319 |
| Credit loss provision to net charge-offs | 65.6973% | 4,299 |
| Earnings coverage of net charge-offs (x) | 1.7116% | 4,580 |
| Efficiency ratio | 59.6776% | 5,592 |
| Assets per employee ($millions) | 6.8319% | 840 |
| Cash dividends to net income (ytd only)* | 160.8274% | 188 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4859% | 431 |
| Loan loss allowance to noncurrent loans | 128.0257% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 3,447 |
| Noncurrent loans to loans | 2.7228% | 1,943 |
| Net loans and leases to total assets | 44.0855% | 5,808 |
| Net loans and leases to deposits | 61.5202% | 4,844 |
| Net loans and leases to core deposits | 165.0751% | 68 |
| Total domestic deposits to total assets | 31.6065% | 7,037 |
| Equity capital to assets | 11.2315% | 2,703 |
| Core capital (leverage) ratio | 8.9702% | 4,947 |
| Tier 1 risk-based capital ratio | 14.2218% | 4,226 |
| Total risk-based capital ratio | 16.4195% | 3,570 |
| Memoranda: |
| Average total assets | $1,327,901,613,600 | 3 |
| Average earning assets | $1,132,482,250,000 | 3 |
| Average equity | $153,725,215,800 | 2 |
| Average total loans | $597,739,932,800 | 4 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5978% | 3,209 |
| Cost of funding earning assets | 0.8782% | 2,327 |
| Net interest margin | 3.7196% | 3,708 |
| Noninterest income to average assets | 1.0897% | 1,268 |
| Noninterest expense to average assets | 2.4986% | 5,095 |
| Loan and lease loss provision to assets | 0.6358% | 836 |
| Net operating income to assets | 0.8917% | 3,029 |
| Return on assets (ROA) | 0.9958% | 2,754 |
| Pretax return on assets | 1.2767% | 2,680 |
| Return on Equity (ROE) | 8.5393% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.9706% | 5,336 |
| Net charge-offs to loans | 2.3023% | 285 |
| Credit loss provision to net charge-offs | 61.5787% | 4,115 |
| Earnings coverage of net charge-offs (x) | 1.7206% | 4,410 |
| Efficiency ratio | 57.1412% | 5,902 |
| Assets per employee ($millions) | 7.0576% | 723 |
| Cash dividends to net income (ytd only)* | 76.9231% | 730 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5662% | 438 |
| Loan loss allowance to noncurrent loans | 124.4931% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 3,636 |
| Noncurrent loans to loans | 2.8646% | 1,960 |
| Net loans and leases to total assets | 42.3297% | 6,097 |
| Net loans and leases to deposits | 59.2974% | 5,287 |
| Net loans and leases to core deposits | 173.9287% | 64 |
| Total domestic deposits to total assets | 29.3137% | 7,140 |
| Equity capital to assets | 11.5234% | 2,720 |
| Core capital (leverage) ratio | 9.7130% | 3,935 |
| Tier 1 risk-based capital ratio | 15.3987% | 3,597 |
| Total risk-based capital ratio | 16.6665% | 3,543 |
| Memoranda: |
| Average total assets | $1,331,526,767,000 | 3 |
| Average earning assets | $1,140,353,000,000 | 3 |
| Average equity | $155,278,019,750 | 2 |
| Average total loans | $597,191,916,000 | 4 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6587% | 3,102 |
| Cost of funding earning assets | 0.9006% | 2,393 |
| Net interest margin | 3.7581% | 3,550 |
| Noninterest income to average assets | 1.0552% | 1,300 |
| Noninterest expense to average assets | 2.4992% | 5,141 |
| Loan and lease loss provision to assets | 0.6685% | 847 |
| Net operating income to assets | 0.8148% | 3,329 |
| Return on assets (ROA) | 0.9102% | 3,125 |
| Pretax return on assets | 1.2377% | 2,773 |
| Return on Equity (ROE) | 7.7734% | 3,360 |
| Retained earnings to average equity (ytd only) | 1.4993% | 5,452 |
| Net charge-offs to loans | 2.2162% | 343 |
| Credit loss provision to net charge-offs | 66.7625% | 3,643 |
| Earnings coverage of net charge-offs (x) | 1.7719% | 4,096 |
| Efficiency ratio | 57.1586% | 5,972 |
| Assets per employee ($millions) | 6.9820% | 732 |
| Cash dividends to net income (ytd only)* | 80.7123% | 778 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8615% | 380 |
| Loan loss allowance to noncurrent loans | 141.0462% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 3,852 |
| Noncurrent loans to loans | 2.7378% | 2,195 |
| Net loans and leases to total assets | 42.5843% | 6,143 |
| Net loans and leases to deposits | 60.3854% | 5,209 |
| Net loans and leases to core deposits | 184.9032% | 60 |
| Total domestic deposits to total assets | 28.6494% | 7,208 |
| Equity capital to assets | 11.4804% | 2,615 |
| Core capital (leverage) ratio | 9.9386% | 3,501 |
| Tier 1 risk-based capital ratio | 15.2407% | 3,606 |
| Total risk-based capital ratio | 16.5115% | 3,564 |
| Memoranda: |
| Average total assets | $1,320,360,356,000 | 3 |
| Average earning assets | $1,130,626,000,000 | 3 |
| Average equity | $154,605,026,330 | 2 |
| Average total loans | $596,529,221,330 | 4 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8012% | 2,635 |
| Cost of funding earning assets | 0.9261% | 2,471 |
| Net interest margin | 3.8752% | 3,029 |
| Noninterest income to average assets | 1.0476% | 1,317 |
| Noninterest expense to average assets | 2.5005% | 5,148 |
| Loan and lease loss provision to assets | 0.7014% | 746 |
| Net operating income to assets | 0.8313% | 3,243 |
| Return on assets (ROA) | 0.9882% | 2,721 |
| Pretax return on assets | 1.3779% | 2,254 |
| Return on Equity (ROE) | 8.3552% | 3,118 |
| Retained earnings to average equity (ytd only) | 4.4727% | 3,906 |
| Net charge-offs to loans | 2.3009% | 374 |
| Credit loss provision to net charge-offs | 66.7930% | 2,980 |
| Earnings coverage of net charge-offs (x) | 1.7688% | 3,453 |
| Efficiency ratio | 56.0590% | 6,113 |
| Assets per employee ($millions) | 6.7384% | 865 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1214% | 334 |
| Loan loss allowance to noncurrent loans | 140.1200% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 3,772 |
| Noncurrent loans to loans | 2.9413% | 2,191 |
| Net loans and leases to total assets | 43.0390% | 6,099 |
| Net loans and leases to deposits | 61.6243% | 4,970 |
| Net loans and leases to core deposits | 182.8766% | 63 |
| Total domestic deposits to total assets | 27.4315% | 7,273 |
| Equity capital to assets | 11.8845% | 2,124 |
| Core capital (leverage) ratio | 10.0590% | 3,301 |
| Tier 1 risk-based capital ratio | 15.5393% | 3,425 |
| Total risk-based capital ratio | 16.8128% | 3,378 |
| Memoranda: |
| Average total assets | $1,306,620,034,000 | 3 |
| Average earning assets | $1,116,127,000,000 | 3 |
| Average equity | $154,539,039,500 | 2 |
| Average total loans | $596,282,332,000 | 4 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9712% | 3,018 |
| Cost of funding earning assets | 1.0261% | 3,187 |
| Net interest margin | 3.9451% | 3,136 |
| Noninterest income to average assets | 1.3337% | 728 |
| Noninterest expense to average assets | 2.7226% | 4,655 |
| Loan and lease loss provision to assets | 0.7376% | 1,376 |
| Net operating income to assets | 0.9316% | 2,478 |
| Return on assets (ROA) | 0.8056% | 3,175 |
| Pretax return on assets | 1.0289% | 3,127 |
| Return on Equity (ROE) | 6.8785% | 3,452 |
| Retained earnings to average equity (ytd only) | -0.2559% | 5,898 |
| Net charge-offs to loans | 2.9621% | 331 |
| Credit loss provision to net charge-offs | 54.5336% | 5,308 |
| Earnings coverage of net charge-offs (x) | 1.4273% | 4,698 |
| Efficiency ratio | 57.2226% | 6,164 |
| Assets per employee ($millions) | 6.4662% | 973 |
| Cash dividends to net income (ytd only)* | 103.7206% | 284 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1618% | 337 |
| Loan loss allowance to noncurrent loans | 146.9328% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3855% | 3,922 |
| Noncurrent loans to loans | 2.8325% | 2,316 |
| Net loans and leases to total assets | 44.1293% | 6,201 |
| Net loans and leases to deposits | 64.4362% | 4,949 |
| Net loans and leases to core deposits | 188.4318% | 68 |
| Total domestic deposits to total assets | 27.3970% | 7,317 |
| Equity capital to assets | 11.7762% | 2,284 |
| Core capital (leverage) ratio | 9.6608% | 3,795 |
| Tier 1 risk-based capital ratio | 14.7044% | 3,828 |
| Total risk-based capital ratio | 16.2033% | 3,624 |
| Memoranda: |
| Average total assets | $1,304,553,264,000 | 3 |
| Average earning assets | $1,097,723,903,800 | 3 |
| Average equity | $152,779,880,400 | 2 |
| Average total loans | $595,735,048,400 | 3 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9806% | 3,184 |
| Cost of funding earning assets | 1.0647% | 3,215 |
| Net interest margin | 3.9160% | 3,303 |
| Noninterest income to average assets | 1.4518% | 622 |
| Noninterest expense to average assets | 2.6473% | 4,916 |
| Loan and lease loss provision to assets | 0.7411% | 1,290 |
| Net operating income to assets | 1.0371% | 2,184 |
| Return on assets (ROA) | 0.8673% | 3,017 |
| Pretax return on assets | 1.1331% | 2,882 |
| Return on Equity (ROE) | 7.4159% | 3,320 |
| Retained earnings to average equity (ytd only) | -0.5123% | 6,074 |
| Net charge-offs to loans | 3.1635% | 286 |
| Credit loss provision to net charge-offs | 51.4029% | 5,005 |
| Earnings coverage of net charge-offs (x) | 1.4581% | 4,540 |
| Efficiency ratio | 54.4688% | 6,442 |
| Assets per employee ($millions) | 6.4954% | 948 |
| Cash dividends to net income (ytd only)* | 106.9079% | 248 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4821% | 269 |
| Loan loss allowance to noncurrent loans | 152.3740% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 3,944 |
| Noncurrent loans to loans | 2.9415% | 2,368 |
| Net loans and leases to total assets | 42.5393% | 6,461 |
| Net loans and leases to deposits | 63.5493% | 5,232 |
| Net loans and leases to core deposits | 196.1879% | 67 |
| Total domestic deposits to total assets | 25.3941% | 7,394 |
| Equity capital to assets | 11.6872% | 2,509 |
| Core capital (leverage) ratio | 9.5461% | 4,086 |
| Tier 1 risk-based capital ratio | 14.9683% | 3,675 |
| Total risk-based capital ratio | 16.5224% | 3,472 |
| Memoranda: |
| Average total assets | $1,308,527,080,000 | 3 |
| Average earning assets | $1,101,923,879,750 | 3 |
| Average equity | $153,036,100,500 | 2 |
| Average total loans | $596,326,060,500 | 3 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9786% | 6,697 |
| Cost of funding earning assets | 1.0560% | 3,562 |
| Net interest margin | 2.9226% | 6,749 |
| Noninterest income to average assets | 1.4497% | 606 |
| Noninterest expense to average assets | 2.5271% | 5,437 |
| Loan and lease loss provision to assets | 0.5195% | 1,887 |
| Net operating income to assets | 0.7649% | 3,224 |
| Return on assets (ROA) | 0.3165% | 5,440 |
| Pretax return on assets | 0.3471% | 5,555 |
| Return on Equity (ROE) | 2.8980% | 5,434 |
| Retained earnings to average equity (ytd only) | -6.2797% | 6,674 |
| Net charge-offs to loans | 2.4198% | 505 |
| Credit loss provision to net charge-offs | 53.4242% | 4,500 |
| Earnings coverage of net charge-offs (x) | 1.4067% | 4,227 |
| Efficiency ratio | 64.4103% | 5,167 |
| Assets per employee ($millions) | 6.9332% | 754 |
| Cash dividends to net income (ytd only)* | 316.6935% | 43 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1292% | 806 |
| Loan loss allowance to noncurrent loans | 100.4030% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 4,027 |
| Noncurrent loans to loans | 3.1167% | 2,315 |
| Net loans and leases to total assets | 40.5826% | 6,699 |
| Net loans and leases to deposits | 57.3254% | 6,017 |
| Net loans and leases to core deposits | 185.3831% | 83 |
| Total domestic deposits to total assets | 25.8548% | 7,464 |
| Equity capital to assets | 10.5111% | 3,489 |
| Core capital (leverage) ratio | 8.6331% | 5,339 |
| Tier 1 risk-based capital ratio | 14.1794% | 4,033 |
| Total risk-based capital ratio | 16.0502% | 3,587 |
| Memoranda: |
| Average total assets | $1,177,314,333,330 | 3 |
| Average earning assets | $985,024,666,670 | 3 |
| Average equity | $128,572,666,670 | 2 |
| Average total loans | $473,097,000,000 | 4 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9985% | 6,702 |
| Cost of funding earning assets | 1.0273% | 4,009 |
| Net interest margin | 2.9712% | 6,631 |
| Noninterest income to average assets | 1.4627% | 598 |
| Noninterest expense to average assets | 2.4708% | 5,665 |
| Loan and lease loss provision to assets | 0.4198% | 2,090 |
| Net operating income to assets | 0.8560% | 2,749 |
| Return on assets (ROA) | 0.5103% | 4,530 |
| Pretax return on assets | 0.6277% | 4,577 |
| Return on Equity (ROE) | 4.5821% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.5821% | 3,430 |
| Net charge-offs to loans | 3.0022% | 362 |
| Credit loss provision to net charge-offs | 35.5888% | 4,029 |
| Earnings coverage of net charge-offs (x) | 1.2513% | 3,732 |
| Efficiency ratio | 62.0711% | 5,668 |
| Assets per employee ($millions) | 6.7240% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6057% | 558 |
| Loan loss allowance to noncurrent loans | 91.5611% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.7048% | 3,693 |
| Noncurrent loans to loans | 3.9380% | 1,861 |
| Net loans and leases to total assets | 37.6140% | 6,924 |
| Net loans and leases to deposits | 54.6603% | 6,240 |
| Net loans and leases to core deposits | 183.7073% | 90 |
| Total domestic deposits to total assets | 22.0839% | 7,529 |
| Equity capital to assets | 11.2611% | 2,443 |
| Core capital (leverage) ratio | 9.3558% | 4,041 |
| Tier 1 risk-based capital ratio | 15.2276% | 3,303 |
| Total risk-based capital ratio | 17.1127% | 2,937 |
| Memoranda: |
| Average total assets | $1,157,826,000,000 | 3 |
| Average earning assets | $967,953,500,000 | 3 |
| Average equity | $128,936,000,000 | 2 |
| Average total loans | $454,871,500,000 | 4 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1760% | 6,962 |
| Cost of funding earning assets | 1.0825% | 5,241 |
| Net interest margin | 3.0935% | 6,537 |
| Noninterest income to average assets | 1.3278% | 832 |
| Noninterest expense to average assets | 2.3098% | 6,331 |
| Loan and lease loss provision to assets | 0.7825% | 2,085 |
| Net operating income to assets | 0.6618% | 3,384 |
| Return on assets (ROA) | 0.6751% | 3,462 |
| Pretax return on assets | 0.8421% | 3,492 |
| Return on Equity (ROE) | 6.4657% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.4657% | 1,572 |
| Net charge-offs to loans | 2.7988% | 628 |
| Credit loss provision to net charge-offs | 67.2170% | 5,926 |
| Earnings coverage of net charge-offs (x) | 1.3751% | 4,732 |
| Efficiency ratio | 58.5707% | 6,269 |
| Assets per employee ($millions) | 6.7054% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0447% | 385 |
| Loan loss allowance to noncurrent loans | 82.0500% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.2086% | 3,083 |
| Noncurrent loans to loans | 4.9296% | 1,375 |
| Net loans and leases to total assets | 37.9541% | 7,073 |
| Net loans and leases to deposits | 55.1879% | 6,506 |
| Net loans and leases to core deposits | 186.2972% | 95 |
| Total domestic deposits to total assets | 22.2171% | 7,605 |
| Equity capital to assets | 11.0102% | 2,678 |
| Core capital (leverage) ratio | 8.8789% | 4,730 |
| Tier 1 risk-based capital ratio | 15.1677% | 3,163 |
| Total risk-based capital ratio | 17.0639% | 2,801 |
| Memoranda: |
| Average total assets | $1,170,769,200,000 | 3 |
| Average earning assets | $977,500,600,000 | 3 |
| Average equity | $122,244,200,000 | 4 |
| Average total loans | $486,959,600,000 | 4 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2031% | 7,085 |
| Cost of funding earning assets | 1.0697% | 5,594 |
| Net interest margin | 3.1333% | 6,526 |
| Noninterest income to average assets | 1.4559% | 639 |
| Noninterest expense to average assets | 2.2846% | 6,376 |
| Loan and lease loss provision to assets | 0.8451% | 1,798 |
| Net operating income to assets | 0.7230% | 3,308 |
| Return on assets (ROA) | 0.7284% | 3,444 |
| Pretax return on assets | 0.9618% | 3,322 |
| Return on Equity (ROE) | 7.0712% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.0712% | 1,804 |
| Net charge-offs to loans | 2.8089% | 581 |
| Credit loss provision to net charge-offs | 71.4752% | 5,374 |
| Earnings coverage of net charge-offs (x) | 1.5110% | 4,594 |
| Efficiency ratio | 55.6293% | 6,609 |
| Assets per employee ($millions) | 7.1551% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0822% | 342 |
| Loan loss allowance to noncurrent loans | 75.9286% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.4316% | 2,941 |
| Noncurrent loans to loans | 5.3764% | 1,253 |
| Net loans and leases to total assets | 38.7672% | 7,144 |
| Net loans and leases to deposits | 58.7923% | 6,400 |
| Net loans and leases to core deposits | 204.4579% | 87 |
| Total domestic deposits to total assets | 21.2037% | 7,711 |
| Equity capital to assets | 10.4414% | 3,583 |
| Core capital (leverage) ratio | 9.0424% | 4,613 |
| Tier 1 risk-based capital ratio | 14.6426% | 3,432 |
| Total risk-based capital ratio | 16.5182% | 3,082 |
| Memoranda: |
| Average total assets | $1,174,888,250,000 | 3 |
| Average earning assets | $980,658,000,000 | 3 |
| Average equity | $121,032,750,000 | 4 |
| Average total loans | $494,557,250,000 | 4 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3144% | 7,024 |
| Cost of funding earning assets | 1.1066% | 5,637 |
| Net interest margin | 3.2077% | 6,293 |
| Noninterest income to average assets | 1.6051% | 505 |
| Noninterest expense to average assets | 2.2542% | 6,499 |
| Loan and lease loss provision to assets | 0.9037% | 1,614 |
| Net operating income to assets | 0.8535% | 2,714 |
| Return on assets (ROA) | 0.8458% | 2,902 |
| Pretax return on assets | 1.1239% | 2,695 |
| Return on Equity (ROE) | 8.2488% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.2488% | 1,352 |
| Net charge-offs to loans | 2.7968% | 586 |
| Credit loss provision to net charge-offs | 75.7165% | 4,821 |
| Earnings coverage of net charge-offs (x) | 1.7052% | 4,228 |
| Efficiency ratio | 52.0640% | 7,061 |
| Assets per employee ($millions) | 6.8694% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2387% | 307 |
| Loan loss allowance to noncurrent loans | 74.3623% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.6986% | 2,682 |
| Noncurrent loans to loans | 5.7000% | 1,143 |
| Net loans and leases to total assets | 40.7252% | 7,120 |
| Net loans and leases to deposits | 61.1274% | 6,295 |
| Net loans and leases to core deposits | 210.2647% | 84 |
| Total domestic deposits to total assets | 21.9828% | 7,779 |
| Equity capital to assets | 10.5018% | 3,405 |
| Core capital (leverage) ratio | 8.8967% | 4,755 |
| Tier 1 risk-based capital ratio | 14.1570% | 3,627 |
| Total risk-based capital ratio | 16.0358% | 3,240 |
| Memoranda: |
| Average total assets | $1,163,444,000,000 | 3 |
| Average earning assets | $973,580,000,000 | 3 |
| Average equity | $119,290,666,670 | 4 |
| Average total loans | $496,499,000,000 | 4 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3233% | 7,096 |
| Cost of funding earning assets | 1.0834% | 5,978 |
| Net interest margin | 3.2399% | 6,166 |
| Noninterest income to average assets | 1.6504% | 466 |
| Noninterest expense to average assets | 2.2754% | 6,465 |
| Loan and lease loss provision to assets | 1.1185% | 1,095 |
| Net operating income to assets | 0.7497% | 3,214 |
| Return on assets (ROA) | 0.7518% | 3,303 |
| Pretax return on assets | 0.9816% | 3,157 |
| Return on Equity (ROE) | 7.4219% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.4219% | 1,962 |
| Net charge-offs to loans | 2.9887% | 516 |
| Credit loss provision to net charge-offs | 87.5436% | 3,711 |
| Earnings coverage of net charge-offs (x) | 1.6400% | 3,750 |
| Efficiency ratio | 51.5813% | 7,187 |
| Assets per employee ($millions) | 7.0200% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3891% | 277 |
| Loan loss allowance to noncurrent loans | 73.7376% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.8591% | 2,528 |
| Noncurrent loans to loans | 5.9523% | 1,110 |
| Net loans and leases to total assets | 41.6149% | 7,148 |
| Net loans and leases to deposits | 63.6699% | 6,085 |
| Net loans and leases to core deposits | 217.4078% | 88 |
| Total domestic deposits to total assets | 21.3622% | 7,881 |
| Equity capital to assets | 10.2191% | 3,577 |
| Core capital (leverage) ratio | 8.5089% | 5,356 |
| Tier 1 risk-based capital ratio | 13.5986% | 3,928 |
| Total risk-based capital ratio | 15.4820% | 3,489 |
| Memoranda: |
| Average total assets | $1,166,227,500,000 | 3 |
| Average earning assets | $979,166,000,000 | 3 |
| Average equity | $118,137,000,000 | 4 |
| Average total loans | $498,538,500,000 | 4 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7449% | 7,062 |
| Cost of funding earning assets | 1.3222% | 6,235 |
| Net interest margin | 3.4227% | 5,278 |
| Noninterest income to average assets | 1.0273% | 1,480 |
| Noninterest expense to average assets | 2.3883% | 6,500 |
| Loan and lease loss provision to assets | 2.0476% | 1,045 |
| Net operating income to assets | -0.1875% | 5,830 |
| Return on assets (ROA) | -0.2374% | 5,881 |
| Pretax return on assets | -0.6756% | 6,164 |
| Return on Equity (ROE) | -2.6273% | 5,939 |
| Retained earnings to average equity (ytd only) | -2.6273% | 5,635 |
| Net charge-offs to loans | 3.7826% | 471 |
| Credit loss provision to net charge-offs | 120.4428% | 4,443 |
| Earnings coverage of net charge-offs (x) | 0.8504% | 5,260 |
| Efficiency ratio | 61.5683% | 6,228 |
| Assets per employee ($millions) | 7.1003% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.6547% | 218 |
| Loan loss allowance to noncurrent loans | 67.9924% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 3.1400% | 2,198 |
| Noncurrent loans to loans | 6.8459% | 842 |
| Net loans and leases to total assets | 40.0108% | 7,350 |
| Net loans and leases to deposits | 60.2183% | 6,617 |
| Net loans and leases to core deposits | 211.6784% | 77 |
| Total domestic deposits to total assets | 21.7743% | 7,959 |
| Equity capital to assets | 10.0399% | 3,704 |
| Core capital (leverage) ratio | 8.3139% | 5,586 |
| Tier 1 risk-based capital ratio | 13.1574% | 4,040 |
| Total risk-based capital ratio | 15.0315% | 3,579 |
| Memoranda: |
| Average total assets | $1,176,823,200,000 | 3 |
| Average earning assets | $965,000,200,000 | 3 |
| Average equity | $106,345,000,000 | 3 |
| Average total loans | $528,916,600,000 | 3 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8565% | 6,994 |
| Cost of funding earning assets | 1.4689% | 5,960 |
| Net interest margin | 3.3875% | 5,322 |
| Noninterest income to average assets | 1.1212% | 1,259 |
| Noninterest expense to average assets | 2.2736% | 6,772 |
| Loan and lease loss provision to assets | 2.2458% | 765 |
| Net operating income to assets | -0.2267% | 6,106 |
| Return on assets (ROA) | -0.2563% | 6,157 |
| Pretax return on assets | -0.6776% | 6,464 |
| Return on Equity (ROE) | -2.9163% | 6,235 |
| Retained earnings to average equity (ytd only) | -2.9163% | 5,922 |
| Net charge-offs to loans | 3.6166% | 409 |
| Credit loss provision to net charge-offs | 135.9423% | 3,653 |
| Earnings coverage of net charge-offs (x) | 0.9748% | 5,083 |
| Efficiency ratio | 57.7933% | 6,749 |
| Assets per employee ($millions) | 7.1585% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5058% | 208 |
| Loan loss allowance to noncurrent loans | 66.0665% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 3.1816% | 2,131 |
| Noncurrent loans to loans | 6.8200% | 808 |
| Net loans and leases to total assets | 41.6089% | 7,386 |
| Net loans and leases to deposits | 62.8397% | 6,601 |
| Net loans and leases to core deposits | 214.5302% | 76 |
| Total domestic deposits to total assets | 22.6861% | 8,040 |
| Equity capital to assets | 9.6580% | 4,547 |
| Core capital (leverage) ratio | 8.3741% | 5,702 |
| Tier 1 risk-based capital ratio | 15.1570% | 2,975 |
| Total risk-based capital ratio | 17.5259% | 2,463 |
| Memoranda: |
| Average total assets | $1,180,688,750,000 | 3 |
| Average earning assets | $962,955,000,000 | 3 |
| Average equity | $103,781,500,000 | 3 |
| Average total loans | $539,307,000,000 | 3 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0295% | 6,674 |
| Cost of funding earning assets | 1.5668% | 5,855 |
| Net interest margin | 3.4627% | 4,956 |
| Noninterest income to average assets | 1.2270% | 1,029 |
| Noninterest expense to average assets | 2.2631% | 6,876 |
| Loan and lease loss provision to assets | 2.4397% | 646 |
| Net operating income to assets | -0.2348% | 6,236 |
| Return on assets (ROA) | -0.2506% | 6,277 |
| Pretax return on assets | -0.6920% | 6,592 |
| Return on Equity (ROE) | -2.9490% | 6,357 |
| Retained earnings to average equity (ytd only) | -2.9490% | 5,965 |
| Net charge-offs to loans | 3.6213% | 421 |
| Credit loss provision to net charge-offs | 145.2470% | 3,187 |
| Earnings coverage of net charge-offs (x) | 1.0522% | 4,735 |
| Efficiency ratio | 55.4077% | 7,180 |
| Assets per employee ($millions) | 6.9591% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2470% | 214 |
| Loan loss allowance to noncurrent loans | 74.1301% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.8365% | 2,261 |
| Noncurrent loans to loans | 5.7291% | 982 |
| Net loans and leases to total assets | 44.2659% | 7,308 |
| Net loans and leases to deposits | 68.2359% | 6,163 |
| Net loans and leases to core deposits | 228.1704% | 72 |
| Total domestic deposits to total assets | 22.5304% | 8,126 |
| Equity capital to assets | 9.4242% | 4,711 |
| Core capital (leverage) ratio | 8.2294% | 5,925 |
| Tier 1 risk-based capital ratio | 14.5814% | 3,200 |
| Total risk-based capital ratio | 17.3978% | 2,520 |
| Memoranda: |
| Average total assets | $1,178,667,000,000 | 3 |
| Average earning assets | $954,284,666,670 | 3 |
| Average equity | $100,169,666,670 | 3 |
| Average total loans | $546,711,333,330 | 3 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1328% | 6,555 |
| Cost of funding earning assets | 1.6075% | 6,004 |
| Net interest margin | 3.5253% | 4,629 |
| Noninterest income to average assets | 1.8476% | 407 |
| Noninterest expense to average assets | 2.1500% | 7,009 |
| Loan and lease loss provision to assets | 2.0359% | 590 |
| Net operating income to assets | 0.5160% | 4,354 |
| Return on assets (ROA) | 0.4961% | 4,626 |
| Pretax return on assets | 0.4606% | 5,206 |
| Return on Equity (ROE) | 6.1674% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.1674% | 2,558 |
| Net charge-offs to loans | 3.3863% | 365 |
| Credit loss provision to net charge-offs | 129.4080% | 3,101 |
| Earnings coverage of net charge-offs (x) | 1.5995% | 3,928 |
| Efficiency ratio | 45.5959% | 7,860 |
| Assets per employee ($millions) | 6.6293% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6128% | 293 |
| Loan loss allowance to noncurrent loans | 68.6560% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.6769% | 2,133 |
| Noncurrent loans to loans | 5.2622% | 1,009 |
| Net loans and leases to total assets | 45.3584% | 7,235 |
| Net loans and leases to deposits | 72.8698% | 5,632 |
| Net loans and leases to core deposits | 244.7292% | 74 |
| Total domestic deposits to total assets | 21.5599% | 8,184 |
| Equity capital to assets | 9.5597% | 4,590 |
| Core capital (leverage) ratio | 8.3792% | 5,760 |
| Tier 1 risk-based capital ratio | 14.6442% | 3,234 |
| Total risk-based capital ratio | 18.1873% | 2,292 |
| Memoranda: |
| Average total assets | $1,185,300,500,000 | 3 |
| Average earning assets | $947,781,000,000 | 3 |
| Average equity | $95,339,500,000 | 3 |
| Average total loans | $550,689,000,000 | 3 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3136% | 3,889 |
| Cost of funding earning assets | 2.7010% | 3,149 |
| Net interest margin | 3.6126% | 4,824 |
| Noninterest income to average assets | 0.4786% | 4,811 |
| Noninterest expense to average assets | 3.0245% | 3,988 |
| Loan and lease loss provision to assets | 1.6782% | 773 |
| Net operating income to assets | -0.7106% | 7,072 |
| Return on assets (ROA) | -0.5007% | 6,804 |
| Pretax return on assets | -1.1502% | 7,089 |
| Return on Equity (ROE) | -6.7080% | 7,019 |
| Retained earnings to average equity (ytd only) | -6.7080% | 6,752 |
| Net charge-offs to loans | 1.7694% | 619 |
| Credit loss provision to net charge-offs | 182.1935% | 2,741 |
| Earnings coverage of net charge-offs (x) | 0.4051% | 5,991 |
| Efficiency ratio | 76.9063% | 3,094 |
| Assets per employee ($millions) | 6.9717% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2443% | 353 |
| Loan loss allowance to noncurrent loans | 73.7856% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.2432% | 2,171 |
| Noncurrent loans to loans | 4.3969% | 1,086 |
| Net loans and leases to total assets | 44.4127% | 7,443 |
| Net loans and leases to deposits | 72.1519% | 6,044 |
| Net loans and leases to core deposits | 274.0899% | 57 |
| Total domestic deposits to total assets | 19.6037% | 8,239 |
| Equity capital to assets | 6.6304% | 7,892 |
| Core capital (leverage) ratio | 5.8195% | 8,128 |
| Tier 1 risk-based capital ratio | 9.9435% | 6,803 |
| Total risk-based capital ratio | 15.1800% | 3,500 |
| Memoranda: |
| Average total assets | $1,241,342,000,000 | 3 |
| Average earning assets | $1,003,003,600,000 | 3 |
| Average equity | $92,650,200,000 | 3 |
| Average total loans | $646,219,800,000 | 2 |
