Home > City National Bank of West Virginia > Performance and Condition Ratios
City National Bank of West Virginia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 2,095 |
| Cost of funding earning assets | 0.9512% | 3,408 |
| Net interest margin | 4.0344% | 1,154 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 2.3365% | 2,755 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.9524% | 497 |
| Return on assets (ROA) | 1.8856% | 522 |
| Pretax return on assets | 2.3629% | 396 |
| Return on Equity (ROE) | 19.9200% | 625 |
| Retained earnings to average equity (ytd only) | 4.6299% | 2,742 |
| Net charge-offs to loans | 0.0062% | 2,465 |
| Credit loss provision to net charge-offs | 1,340.0826% | 317 |
| Earnings coverage of net charge-offs (x) | 626.6570% | 234 |
| Efficiency ratio | 47.4900% | 4,114 |
| Assets per employee ($millions) | 6.4048% | 2,478 |
| Cash dividends to net income (ytd only)* | 76.7597% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5515% | 4,296 |
| Loan loss allowance to noncurrent loans | 290.5224% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,667 |
| Noncurrent loans to loans | 0.1898% | 2,564 |
| Net loans and leases to total assets | 66.7800% | 2,172 |
| Net loans and leases to deposits | 82.0803% | 1,942 |
| Net loans and leases to core deposits | 84.2821% | 2,436 |
| Total domestic deposits to total assets | 81.3600% | 3,243 |
| Equity capital to assets | 9.7561% | 2,156 |
| Core capital (leverage) ratio | 8.9423% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3180% | 1,750 |
| Memoranda: | ||
| Average total assets | $6,066,193,600 | 241 |
| Average earning assets | $5,415,033,000 | 238 |
| Average equity | $574,153,200 | 239 |
| Average total loans | $3,917,698,600 | 241 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 2,070 |
| Cost of funding earning assets | 0.8491% | 3,404 |
| Net interest margin | 4.0463% | 1,155 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 2.3596% | 2,627 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.9235% | 547 |
| Return on assets (ROA) | 1.9206% | 544 |
| Pretax return on assets | 2.4127% | 421 |
| Return on Equity (ROE) | 20.4500% | 683 |
| Retained earnings to average equity (ytd only) | 15.7564% | 484 |
| Net charge-offs to loans | 0.0055% | 2,260 |
| Credit loss provision to net charge-offs | 2,228.3019% | 220 |
| Earnings coverage of net charge-offs (x) | 711.5346% | 222 |
| Efficiency ratio | 47.8277% | 4,056 |
| Assets per employee ($millions) | 6.2506% | 2,524 |
| Cash dividends to net income (ytd only)* | 22.9595% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5774% | 4,296 |
| Loan loss allowance to noncurrent loans | 440.1979% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 2,992 |
| Noncurrent loans to loans | 0.1312% | 2,896 |
| Net loans and leases to total assets | 65.8200% | 2,261 |
| Net loans and leases to deposits | 80.3312% | 2,017 |
| Net loans and leases to core deposits | 82.5039% | 2,437 |
| Total domestic deposits to total assets | 81.9400% | 3,221 |
| Equity capital to assets | 9.6447% | 2,022 |
| Core capital (leverage) ratio | 9.6062% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $6,047,187,750 | 243 |
| Average earning assets | $5,404,375,250 | 242 |
| Average equity | $567,881,750 | 242 |
| Average total loans | $3,866,033,750 | 247 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,114 |
| Cost of funding earning assets | 0.7377% | 3,380 |
| Net interest margin | 4.0103% | 1,224 |
| Noninterest income to average assets | 1.2600% | 413 |
| Noninterest expense to average assets | 2.3989% | 2,490 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8733% | 587 |
| Return on assets (ROA) | 1.8881% | 566 |
| Pretax return on assets | 2.3595% | 426 |
| Return on Equity (ROE) | 20.2900% | 682 |
| Retained earnings to average equity (ytd only) | 20.2888% | 242 |
| Net charge-offs to loans | 0.0176% | 1,562 |
| Credit loss provision to net charge-offs | 994.9405% | 415 |
| Earnings coverage of net charge-offs (x) | 220.5744% | 555 |
| Efficiency ratio | 48.7431% | 4,018 |
| Assets per employee ($millions) | 6.3435% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5803% | 4,321 |
| Loan loss allowance to noncurrent loans | 405.6160% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,880 |
| Noncurrent loans to loans | 0.1431% | 2,756 |
| Net loans and leases to total assets | 63.6700% | 2,416 |
| Net loans and leases to deposits | 77.5355% | 2,174 |
| Net loans and leases to core deposits | 79.4736% | 2,511 |
| Total domestic deposits to total assets | 82.1200% | 3,210 |
| Equity capital to assets | 9.9499% | 1,886 |
| Core capital (leverage) ratio | 9.3562% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3554% | 1,475 |
| Memoranda: | ||
| Average total assets | $6,046,060,333 | 240 |
| Average earning assets | $5,414,268,000 | 238 |
| Average equity | $562,655,000 | 240 |
| Average total loans | $3,819,433,667 | 241 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 2,222 |
| Cost of funding earning assets | 0.5890% | 3,409 |
| Net interest margin | 3.9511% | 1,367 |
| Noninterest income to average assets | 1.1600% | 464 |
| Noninterest expense to average assets | 2.5388% | 2,137 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.5648% | 1,047 |
| Return on assets (ROA) | 1.5952% | 987 |
| Pretax return on assets | 2.0084% | 768 |
| Return on Equity (ROE) | 17.7700% | 1,055 |
| Retained earnings to average equity (ytd only) | 17.7680% | 529 |
| Net charge-offs to loans | -0.0066% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.4668% | 3,657 |
| Assets per employee ($millions) | 6.4557% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 4,383 |
| Loan loss allowance to noncurrent loans | 400.1409% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 2,880 |
| Noncurrent loans to loans | 0.1459% | 2,764 |
| Net loans and leases to total assets | 62.5800% | 2,401 |
| Net loans and leases to deposits | 74.6339% | 2,245 |
| Net loans and leases to core deposits | 76.3704% | 2,497 |
| Total domestic deposits to total assets | 83.8500% | 3,119 |
| Equity capital to assets | 9.5294% | 2,118 |
| Core capital (leverage) ratio | 9.1809% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6258% | 1,759 |
| Memoranda: | ||
| Average total assets | $6,008,352,500 | 248 |
| Average earning assets | $5,387,355,500 | 245 |
| Average equity | $539,443,000 | 253 |
| Average total loans | $3,768,883,000 | 251 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4865% | 3,115 |
| Cost of funding earning assets | 0.1769% | 3,937 |
| Net interest margin | 3.3097% | 2,539 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 2.0566% | 3,423 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.7335% | 507 |
| Return on assets (ROA) | 1.7313% | 482 |
| Pretax return on assets | 2.1670% | 341 |
| Return on Equity (ROE) | 18.8300% | 595 |
| Retained earnings to average equity (ytd only) | 2.3444% | 3,904 |
| Net charge-offs to loans | 0.0427% | 1,262 |
| Credit loss provision to net charge-offs | 30.9399% | 1,890 |
| Earnings coverage of net charge-offs (x) | 84.8766% | 1,062 |
| Efficiency ratio | 48.0216% | 4,235 |
| Assets per employee ($millions) | 6.4019% | 2,415 |
| Cash dividends to net income (ytd only)* | 87.5470% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 4,463 |
| Loan loss allowance to noncurrent loans | 317.2260% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 2,881 |
| Noncurrent loans to loans | 0.1480% | 2,765 |
| Net loans and leases to total assets | 62.2000% | 2,411 |
| Net loans and leases to deposits | 73.6820% | 2,280 |
| Net loans and leases to core deposits | 75.1142% | 2,489 |
| Total domestic deposits to total assets | 84.4200% | 3,121 |
| Equity capital to assets | 8.3937% | 2,776 |
| Core capital (leverage) ratio | 8.5486% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2744% | 1,863 |
| Memoranda: | ||
| Average total assets | $5,970,899,000 | 242 |
| Average earning assets | $5,397,932,600 | 241 |
| Average equity | $549,084,200 | 253 |
| Average total loans | $3,587,880,600 | 249 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 3,342 |
| Cost of funding earning assets | 0.1242% | 4,090 |
| Net interest margin | 3.1117% | 2,895 |
| Noninterest income to average assets | 1.2300% | 490 |
| Noninterest expense to average assets | 2.0158% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6120% | 643 |
| Return on assets (ROA) | 1.6090% | 626 |
| Pretax return on assets | 2.0315% | 439 |
| Return on Equity (ROE) | 17.1300% | 768 |
| Retained earnings to average equity (ytd only) | 10.0416% | 1,329 |
| Net charge-offs to loans | 0.0421% | 1,074 |
| Credit loss provision to net charge-offs | -2.3029% | 4,607 |
| Earnings coverage of net charge-offs (x) | 81.1798% | 1,041 |
| Efficiency ratio | 49.1962% | 4,209 |
| Assets per employee ($millions) | 6.5223% | 2,300 |
| Cash dividends to net income (ytd only)* | 41.3936% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 4,504 |
| Loan loss allowance to noncurrent loans | 320.5389% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,017 |
| Noncurrent loans to loans | 0.1463% | 2,884 |
| Net loans and leases to total assets | 61.1700% | 2,387 |
| Net loans and leases to deposits | 72.6871% | 2,158 |
| Net loans and leases to core deposits | 74.2577% | 2,329 |
| Total domestic deposits to total assets | 84.1500% | 3,469 |
| Equity capital to assets | 8.5475% | 2,510 |
| Core capital (leverage) ratio | 9.0454% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0717% | 1,686 |
| Memoranda: | ||
| Average total assets | $6,005,584,750 | 244 |
| Average earning assets | $5,439,822,250 | 240 |
| Average equity | $563,972,000 | 254 |
| Average total loans | $3,573,639,500 | 247 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9743% | 3,618 |
| Cost of funding earning assets | 0.1116% | 4,061 |
| Net interest margin | 2.8627% | 3,262 |
| Noninterest income to average assets | 1.2282% | 458 |
| Noninterest expense to average assets | 1.9725% | 3,504 |
| Loan and lease loss provision to assets | -0.0250% | 4,449 |
| Net operating income to assets | 1.4983% | 713 |
| Return on assets (ROA) | 1.4953% | 697 |
| Pretax return on assets | 1.8774% | 491 |
| Return on Equity (ROE) | 15.4701% | 801 |
| Retained earnings to average equity (ytd only) | 10.3312% | 944 |
| Net charge-offs to loans | 0.0222% | 1,282 |
| Credit loss provision to net charge-offs | -191.3924% | 3,205 |
| Earnings coverage of net charge-offs (x) | 141.9139% | 674 |
| Efficiency ratio | 50.9189% | 4,198 |
| Assets per employee ($millions) | 6.7592% | 2,110 |
| Cash dividends to net income (ytd only)* | 33.2182% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4772% | 4,568 |
| Loan loss allowance to noncurrent loans | 292.5047% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,064 |
| Noncurrent loans to loans | 0.1631% | 2,876 |
| Net loans and leases to total assets | 57.2554% | 2,607 |
| Net loans and leases to deposits | 68.9519% | 2,308 |
| Net loans and leases to core deposits | 70.5602% | 2,446 |
| Total domestic deposits to total assets | 83.0367% | 3,869 |
| Equity capital to assets | 8.9130% | 2,436 |
| Core capital (leverage) ratio | 8.8074% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2107% | 1,654 |
| Memoranda: | ||
| Average total assets | $6,039,882,667 | 240 |
| Average earning assets | $5,486,657,333 | 237 |
| Average equity | $583,785,333 | 243 |
| Average total loans | $3,555,675,667 | 243 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8931% | 3,555 |
| Cost of funding earning assets | 0.1195% | 3,906 |
| Net interest margin | 2.7736% | 3,214 |
| Noninterest income to average assets | 1.2399% | 462 |
| Noninterest expense to average assets | 1.9559% | 3,539 |
| Loan and lease loss provision to assets | -0.0507% | 4,515 |
| Net operating income to assets | 1.4828% | 658 |
| Return on assets (ROA) | 1.4791% | 657 |
| Pretax return on assets | 1.8526% | 490 |
| Return on Equity (ROE) | 14.7080% | 702 |
| Retained earnings to average equity (ytd only) | 14.7080% | 311 |
| Net charge-offs to loans | 0.0146% | 1,250 |
| Credit loss provision to net charge-offs | -581.5385% | 3,171 |
| Earnings coverage of net charge-offs (x) | 207.0692% | 422 |
| Efficiency ratio | 51.3689% | 4,232 |
| Assets per employee ($millions) | 6.6359% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4855% | 4,598 |
| Loan loss allowance to noncurrent loans | 331.2883% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,185 |
| Noncurrent loans to loans | 0.1466% | 3,073 |
| Net loans and leases to total assets | 59.3666% | 2,139 |
| Net loans and leases to deposits | 70.6461% | 1,899 |
| Net loans and leases to core deposits | 72.3995% | 2,077 |
| Total domestic deposits to total assets | 84.0337% | 3,759 |
| Equity capital to assets | 9.7549% | 2,084 |
| Core capital (leverage) ratio | 8.8041% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2404% | 1,708 |
| Memoranda: | ||
| Average total assets | $5,960,726,000 | 243 |
| Average earning assets | $5,420,838,500 | 241 |
| Average equity | $599,455,500 | 242 |
| Average total loans | $3,550,605,500 | 244 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0828% | 3,717 |
| Cost of funding earning assets | 0.1843% | 3,604 |
| Net interest margin | 2.8985% | 3,442 |
| Noninterest income to average assets | 1.1868% | 753 |
| Noninterest expense to average assets | 1.9876% | 3,715 |
| Loan and lease loss provision to assets | -0.0541% | 4,371 |
| Net operating income to assets | 1.4939% | 1,030 |
| Return on assets (ROA) | 1.4933% | 1,083 |
| Pretax return on assets | 1.8901% | 737 |
| Return on Equity (ROE) | 13.9692% | 1,200 |
| Retained earnings to average equity (ytd only) | 1.0065% | 4,257 |
| Net charge-offs to loans | 0.0907% | 912 |
| Credit loss provision to net charge-offs | -98.2298% | 3,357 |
| Earnings coverage of net charge-offs (x) | 33.3435% | 1,541 |
| Efficiency ratio | 51.3138% | 4,177 |
| Assets per employee ($millions) | 6.5665% | 2,277 |
| Cash dividends to net income (ytd only)* | 92.7952% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5128% | 4,615 |
| Loan loss allowance to noncurrent loans | 290.0990% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,133 |
| Noncurrent loans to loans | 0.1768% | 3,060 |
| Net loans and leases to total assets | 59.1719% | 2,247 |
| Net loans and leases to deposits | 71.1774% | 1,996 |
| Net loans and leases to core deposits | 73.1444% | 2,149 |
| Total domestic deposits to total assets | 83.1330% | 3,778 |
| Equity capital to assets | 10.3591% | 2,312 |
| Core capital (leverage) ratio | 8.4463% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7758% | 1,936 |
| Memoranda: | ||
| Average total assets | $5,845,367,800 | 238 |
| Average earning assets | $5,319,235,200 | 240 |
| Average equity | $624,867,600 | 235 |
| Average total loans | $3,551,542,200 | 238 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0701% | 3,868 |
| Cost of funding earning assets | 0.2009% | 3,596 |
| Net interest margin | 2.8692% | 3,618 |
| Noninterest income to average assets | 1.1841% | 816 |
| Noninterest expense to average assets | 2.0121% | 3,635 |
| Loan and lease loss provision to assets | -0.0725% | 4,527 |
| Net operating income to assets | 1.4667% | 1,344 |
| Return on assets (ROA) | 1.4662% | 1,399 |
| Pretax return on assets | 1.8538% | 1,036 |
| Return on Equity (ROE) | 13.6078% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.6108% | 3,707 |
| Net charge-offs to loans | 0.0988% | 743 |
| Credit loss provision to net charge-offs | -120.2051% | 3,264 |
| Earnings coverage of net charge-offs (x) | 29.5298% | 1,534 |
| Efficiency ratio | 52.3670% | 4,000 |
| Assets per employee ($millions) | 6.3991% | 2,335 |
| Cash dividends to net income (ytd only)* | 73.4650% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5326% | 4,682 |
| Loan loss allowance to noncurrent loans | 243.0775% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 3,179 |
| Noncurrent loans to loans | 0.2191% | 3,071 |
| Net loans and leases to total assets | 59.2928% | 2,342 |
| Net loans and leases to deposits | 71.4472% | 2,110 |
| Net loans and leases to core deposits | 73.5119% | 2,280 |
| Total domestic deposits to total assets | 82.9882% | 3,710 |
| Equity capital to assets | 10.6250% | 2,342 |
| Core capital (leverage) ratio | 8.7254% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2069% | 1,899 |
| Memoranda: | ||
| Average total assets | $5,817,754,500 | 241 |
| Average earning assets | $5,291,890,500 | 241 |
| Average equity | $626,841,750 | 234 |
| Average total loans | $3,553,842,500 | 240 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0640% | 3,932 |
| Cost of funding earning assets | 0.2253% | 3,511 |
| Net interest margin | 2.8387% | 3,702 |
| Noninterest income to average assets | 1.1610% | 847 |
| Noninterest expense to average assets | 2.0306% | 3,601 |
| Loan and lease loss provision to assets | -0.0843% | 4,593 |
| Net operating income to assets | 1.4298% | 1,485 |
| Return on assets (ROA) | 1.4292% | 1,553 |
| Pretax return on assets | 1.7960% | 1,246 |
| Return on Equity (ROE) | 13.2022% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.0207% | 2,795 |
| Net charge-offs to loans | 0.1175% | 659 |
| Credit loss provision to net charge-offs | -116.4756% | 3,084 |
| Earnings coverage of net charge-offs (x) | 23.6676% | 1,458 |
| Efficiency ratio | 53.5702% | 3,859 |
| Assets per employee ($millions) | 6.3903% | 2,241 |
| Cash dividends to net income (ytd only)* | 54.3964% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 4,686 |
| Loan loss allowance to noncurrent loans | 199.2633% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 3,058 |
| Noncurrent loans to loans | 0.2847% | 2,916 |
| Net loans and leases to total assets | 60.0654% | 2,420 |
| Net loans and leases to deposits | 72.9138% | 2,121 |
| Net loans and leases to core deposits | 75.1579% | 2,312 |
| Total domestic deposits to total assets | 82.3787% | 3,846 |
| Equity capital to assets | 10.8891% | 2,077 |
| Core capital (leverage) ratio | 8.8014% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2934% | 1,871 |
| Memoranda: | ||
| Average total assets | $5,788,231,333 | 240 |
| Average earning assets | $5,264,831,333 | 241 |
| Average equity | $626,606,000 | 235 |
| Average total loans | $3,564,865,000 | 241 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0913% | 3,902 |
| Cost of funding earning assets | 0.2570% | 3,405 |
| Net interest margin | 2.8342% | 3,683 |
| Noninterest income to average assets | 1.1396% | 934 |
| Noninterest expense to average assets | 2.0423% | 3,581 |
| Loan and lease loss provision to assets | -0.0305% | 4,618 |
| Net operating income to assets | 1.3595% | 1,662 |
| Return on assets (ROA) | 1.3581% | 1,755 |
| Pretax return on assets | 1.7050% | 1,475 |
| Return on Equity (ROE) | 12.5825% | 1,799 |
| Retained earnings to average equity (ytd only) | 6.1507% | 2,840 |
| Net charge-offs to loans | 0.0037% | 1,794 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,437 |
| Earnings coverage of net charge-offs (x) | 731.7273% | 129 |
| Efficiency ratio | 54.2340% | 3,756 |
| Assets per employee ($millions) | 6.3516% | 2,292 |
| Cash dividends to net income (ytd only)* | 51.1169% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 4,602 |
| Loan loss allowance to noncurrent loans | 194.4907% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,023 |
| Noncurrent loans to loans | 0.3491% | 2,837 |
| Net loans and leases to total assets | 60.3942% | 2,488 |
| Net loans and leases to deposits | 73.1317% | 2,204 |
| Net loans and leases to core deposits | 75.5032% | 2,396 |
| Total domestic deposits to total assets | 82.5828% | 3,786 |
| Equity capital to assets | 10.6224% | 2,152 |
| Core capital (leverage) ratio | 8.9079% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3260% | 1,807 |
| Memoranda: | ||
| Average total assets | $5,761,995,000 | 242 |
| Average earning assets | $5,243,020,000 | 241 |
| Average equity | $621,910,000 | 233 |
| Average total loans | $3,583,167,500 | 241 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 3,620 |
| Cost of funding earning assets | 0.4876% | 3,027 |
| Net interest margin | 3.1955% | 3,371 |
| Noninterest income to average assets | 1.5906% | 489 |
| Noninterest expense to average assets | 2.1562% | 3,801 |
| Loan and lease loss provision to assets | 0.2016% | 1,946 |
| Net operating income to assets | 1.6959% | 500 |
| Return on assets (ROA) | 1.6963% | 542 |
| Pretax return on assets | 2.1143% | 353 |
| Return on Equity (ROE) | 14.5256% | 711 |
| Retained earnings to average equity (ytd only) | 2.5625% | 3,567 |
| Net charge-offs to loans | 0.0969% | 1,499 |
| Credit loss provision to net charge-offs | 304.4293% | 1,715 |
| Earnings coverage of net charge-offs (x) | 34.9637% | 1,487 |
| Efficiency ratio | 47.5265% | 4,651 |
| Assets per employee ($millions) | 6.1349% | 2,226 |
| Cash dividends to net income (ytd only)* | 82.3588% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,620 |
| Loan loss allowance to noncurrent loans | 200.6949% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 3,136 |
| Noncurrent loans to loans | 0.3378% | 2,993 |
| Net loans and leases to total assets | 63.1674% | 2,471 |
| Net loans and leases to deposits | 76.9436% | 2,180 |
| Net loans and leases to core deposits | 79.7431% | 2,391 |
| Total domestic deposits to total assets | 82.0958% | 3,642 |
| Equity capital to assets | 10.9683% | 2,276 |
| Core capital (leverage) ratio | 8.9699% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6764% | 1,982 |
| Memoranda: | ||
| Average total assets | $5,318,467,400 | 242 |
| Average earning assets | $4,794,848,000 | 241 |
| Average equity | $621,077,600 | 225 |
| Average total loans | $3,635,193,600 | 235 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 3,515 |
| Cost of funding earning assets | 0.5415% | 2,981 |
| Net interest margin | 3.2737% | 3,267 |
| Noninterest income to average assets | 1.7092% | 399 |
| Noninterest expense to average assets | 2.1836% | 3,719 |
| Loan and lease loss provision to assets | 0.2615% | 1,553 |
| Net operating income to assets | 1.7539% | 508 |
| Return on assets (ROA) | 1.7558% | 563 |
| Pretax return on assets | 2.2114% | 336 |
| Return on Equity (ROE) | 14.7904% | 728 |
| Retained earnings to average equity (ytd only) | 6.1917% | 2,022 |
| Net charge-offs to loans | 0.1000% | 1,312 |
| Credit loss provision to net charge-offs | 375.3846% | 1,531 |
| Earnings coverage of net charge-offs (x) | 35.4630% | 1,451 |
| Efficiency ratio | 46.2395% | 4,701 |
| Assets per employee ($millions) | 5.9020% | 2,349 |
| Cash dividends to net income (ytd only)* | 58.1370% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 4,607 |
| Loan loss allowance to noncurrent loans | 182.7381% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 3,076 |
| Noncurrent loans to loans | 0.3715% | 2,952 |
| Net loans and leases to total assets | 66.7826% | 2,413 |
| Net loans and leases to deposits | 82.2424% | 2,071 |
| Net loans and leases to core deposits | 85.4860% | 2,344 |
| Total domestic deposits to total assets | 81.2021% | 3,610 |
| Equity capital to assets | 11.6742% | 1,894 |
| Core capital (leverage) ratio | 9.3180% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0436% | 1,815 |
| Memoranda: | ||
| Average total assets | $5,224,779,750 | 240 |
| Average earning assets | $4,700,233,250 | 239 |
| Average equity | $620,234,000 | 223 |
| Average total loans | $3,638,789,750 | 234 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 3,427 |
| Cost of funding earning assets | 0.5995% | 2,966 |
| Net interest margin | 3.3626% | 3,215 |
| Noninterest income to average assets | 1.9560% | 302 |
| Noninterest expense to average assets | 2.2188% | 3,725 |
| Loan and lease loss provision to assets | 0.3581% | 1,178 |
| Net operating income to assets | 1.9039% | 402 |
| Return on assets (ROA) | 1.9068% | 445 |
| Pretax return on assets | 2.4037% | 248 |
| Return on Equity (ROE) | 15.9689% | 570 |
| Retained earnings to average equity (ytd only) | 9.4648% | 888 |
| Net charge-offs to loans | 0.0756% | 1,495 |
| Credit loss provision to net charge-offs | 672.1574% | 1,024 |
| Earnings coverage of net charge-offs (x) | 51.7719% | 1,077 |
| Efficiency ratio | 43.9382% | 4,814 |
| Assets per employee ($millions) | 5.9746% | 2,206 |
| Cash dividends to net income (ytd only)* | 40.7299% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 4,594 |
| Loan loss allowance to noncurrent loans | 185.1234% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,081 |
| Noncurrent loans to loans | 0.3714% | 3,077 |
| Net loans and leases to total assets | 66.5746% | 2,549 |
| Net loans and leases to deposits | 82.4158% | 2,163 |
| Net loans and leases to core deposits | 85.7853% | 2,454 |
| Total domestic deposits to total assets | 80.7789% | 3,663 |
| Equity capital to assets | 11.6463% | 1,875 |
| Core capital (leverage) ratio | 9.5155% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1492% | 1,744 |
| Memoranda: | ||
| Average total assets | $5,150,526,667 | 240 |
| Average earning assets | $4,627,314,333 | 240 |
| Average equity | $614,993,667 | 223 |
| Average total loans | $3,630,762,000 | 236 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,010 |
| Cost of funding earning assets | 0.6847% | 2,998 |
| Net interest margin | 3.5836% | 2,722 |
| Noninterest income to average assets | 2.8678% | 163 |
| Noninterest expense to average assets | 2.3253% | 3,713 |
| Loan and lease loss provision to assets | 0.6387% | 423 |
| Net operating income to assets | 2.4766% | 113 |
| Return on assets (ROA) | 2.4821% | 118 |
| Pretax return on assets | 3.1241% | 79 |
| Return on Equity (ROE) | 20.5107% | 146 |
| Retained earnings to average equity (ytd only) | 13.8899% | 264 |
| Net charge-offs to loans | 0.1027% | 1,063 |
| Credit loss provision to net charge-offs | 859.0517% | 634 |
| Earnings coverage of net charge-offs (x) | 50.5140% | 890 |
| Efficiency ratio | 37.6948% | 5,014 |
| Assets per employee ($millions) | 5.4481% | 2,176 |
| Cash dividends to net income (ytd only)* | 32.2799% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6753% | 4,653 |
| Loan loss allowance to noncurrent loans | 202.1631% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,189 |
| Noncurrent loans to loans | 0.3340% | 3,297 |
| Net loans and leases to total assets | 71.3510% | 2,027 |
| Net loans and leases to deposits | 88.3377% | 1,723 |
| Net loans and leases to core deposits | 92.2463% | 2,127 |
| Total domestic deposits to total assets | 80.7708% | 3,716 |
| Equity capital to assets | 12.4320% | 1,776 |
| Core capital (leverage) ratio | 9.9779% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8159% | 1,969 |
| Memoranda: | ||
| Average total assets | $4,992,399,000 | 241 |
| Average earning assets | $4,476,623,000 | 241 |
| Average equity | $604,151,500 | 229 |
| Average total loans | $3,613,800,000 | 233 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 3,133 |
| Cost of funding earning assets | 0.8144% | 2,614 |
| Net interest margin | 3.6266% | 3,052 |
| Noninterest income to average assets | 1.3896% | 497 |
| Noninterest expense to average assets | 2.3825% | 3,731 |
| Loan and lease loss provision to assets | -0.0256% | 4,967 |
| Net operating income to assets | 1.8110% | 511 |
| Return on assets (ROA) | 1.8125% | 535 |
| Pretax return on assets | 2.3088% | 306 |
| Return on Equity (ROE) | 15.5566% | 598 |
| Retained earnings to average equity (ytd only) | 5.3619% | 2,241 |
| Net charge-offs to loans | 0.0875% | 1,869 |
| Credit loss provision to net charge-offs | -39.9744% | 4,153 |
| Earnings coverage of net charge-offs (x) | 35.6262% | 1,408 |
| Efficiency ratio | 50.2145% | 4,719 |
| Assets per employee ($millions) | 5.3872% | 2,164 |
| Cash dividends to net income (ytd only)* | 65.5330% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3206% | 5,033 |
| Loan loss allowance to noncurrent loans | 98.5794% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,123 |
| Noncurrent loans to loans | 0.3252% | 3,273 |
| Net loans and leases to total assets | 72.7102% | 1,967 |
| Net loans and leases to deposits | 87.8531% | 1,874 |
| Net loans and leases to core deposits | 91.7145% | 2,256 |
| Total domestic deposits to total assets | 82.7634% | 3,284 |
| Equity capital to assets | 11.7660% | 2,308 |
| Core capital (leverage) ratio | 9.5094% | 4,050 |
| Tier 1 risk-based capital ratio | 13.9208% | 3,308 |
| Total risk-based capital ratio | 14.2741% | 3,656 |
| Memoranda: | ||
| Average total assets | $4,883,128,000 | 231 |
| Average earning assets | $4,408,778,600 | 233 |
| Average equity | $568,922,400 | 226 |
| Average total loans | $3,571,755,200 | 226 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 3,115 |
| Cost of funding earning assets | 0.8283% | 2,576 |
| Net interest margin | 3.6541% | 3,078 |
| Noninterest income to average assets | 1.3944% | 466 |
| Noninterest expense to average assets | 2.4055% | 3,661 |
| Loan and lease loss provision to assets | -0.0322% | 5,105 |
| Net operating income to assets | 1.8273% | 577 |
| Return on assets (ROA) | 1.8284% | 609 |
| Pretax return on assets | 2.3238% | 354 |
| Return on Equity (ROE) | 15.7329% | 651 |
| Retained earnings to average equity (ytd only) | 7.9505% | 1,424 |
| Net charge-offs to loans | 0.0601% | 1,958 |
| Credit loss provision to net charge-offs | -73.2087% | 4,053 |
| Earnings coverage of net charge-offs (x) | 52.0653% | 1,156 |
| Efficiency ratio | 50.3195% | 4,720 |
| Assets per employee ($millions) | 5.3184% | 2,197 |
| Cash dividends to net income (ytd only)* | 49.4656% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3682% | 5,081 |
| Loan loss allowance to noncurrent loans | 84.2610% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 3,062 |
| Noncurrent loans to loans | 0.4370% | 2,998 |
| Net loans and leases to total assets | 72.9217% | 2,013 |
| Net loans and leases to deposits | 88.3266% | 1,889 |
| Net loans and leases to core deposits | 92.1199% | 2,352 |
| Total domestic deposits to total assets | 82.5591% | 3,298 |
| Equity capital to assets | 12.0849% | 2,192 |
| Core capital (leverage) ratio | 9.7175% | 3,949 |
| Tier 1 risk-based capital ratio | 14.0009% | 3,333 |
| Total risk-based capital ratio | 14.4037% | 3,671 |
| Memoranda: | ||
| Average total assets | $4,864,862,500 | 234 |
| Average earning assets | $4,395,217,000 | 235 |
| Average equity | $565,366,750 | 230 |
| Average total loans | $3,560,883,000 | 227 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 3,087 |
| Cost of funding earning assets | 0.8186% | 2,561 |
| Net interest margin | 3.6562% | 3,087 |
| Noninterest income to average assets | 1.3665% | 468 |
| Noninterest expense to average assets | 2.4298% | 3,660 |
| Loan and lease loss provision to assets | -0.0597% | 5,185 |
| Net operating income to assets | 1.8184% | 571 |
| Return on assets (ROA) | 1.8212% | 592 |
| Pretax return on assets | 2.3054% | 359 |
| Return on Equity (ROE) | 15.8841% | 606 |
| Retained earnings to average equity (ytd only) | 9.4177% | 929 |
| Net charge-offs to loans | 0.0406% | 2,078 |
| Credit loss provision to net charge-offs | -200.6925% | 3,992 |
| Earnings coverage of net charge-offs (x) | 75.3906% | 850 |
| Efficiency ratio | 51.1501% | 4,715 |
| Assets per employee ($millions) | 5.2043% | 2,251 |
| Cash dividends to net income (ytd only)* | 40.7102% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3921% | 5,114 |
| Loan loss allowance to noncurrent loans | 115.3332% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,384 |
| Noncurrent loans to loans | 0.3400% | 3,324 |
| Net loans and leases to total assets | 71.8651% | 2,230 |
| Net loans and leases to deposits | 86.6867% | 2,175 |
| Net loans and leases to core deposits | 90.4815% | 2,558 |
| Total domestic deposits to total assets | 82.9022% | 3,238 |
| Equity capital to assets | 11.8398% | 2,310 |
| Core capital (leverage) ratio | 9.5139% | 4,128 |
| Tier 1 risk-based capital ratio | 14.1929% | 3,221 |
| Total risk-based capital ratio | 14.6283% | 3,544 |
| Memoranda: | ||
| Average total assets | $4,855,500,330 | 237 |
| Average earning assets | $4,389,617,670 | 234 |
| Average equity | $556,719,670 | 232 |
| Average total loans | $3,554,107,670 | 230 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 3,116 |
| Cost of funding earning assets | 0.7996% | 2,542 |
| Net interest margin | 3.6308% | 3,131 |
| Noninterest income to average assets | 1.2964% | 504 |
| Noninterest expense to average assets | 2.3885% | 3,793 |
| Loan and lease loss provision to assets | -0.0701% | 5,273 |
| Net operating income to assets | 1.7734% | 617 |
| Return on assets (ROA) | 1.7791% | 624 |
| Pretax return on assets | 2.2642% | 383 |
| Return on Equity (ROE) | 15.7761% | 623 |
| Retained earnings to average equity (ytd only) | 15.7761% | 235 |
| Net charge-offs to loans | 0.0527% | 1,531 |
| Credit loss provision to net charge-offs | -180.2548% | 3,612 |
| Earnings coverage of net charge-offs (x) | 56.2378% | 953 |
| Efficiency ratio | 51.3596% | 4,740 |
| Assets per employee ($millions) | 5.2252% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4116% | 5,162 |
| Loan loss allowance to noncurrent loans | 119.8527% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,341 |
| Noncurrent loans to loans | 0.3434% | 3,345 |
| Net loans and leases to total assets | 73.0003% | 1,981 |
| Net loans and leases to deposits | 87.4214% | 1,946 |
| Net loans and leases to core deposits | 91.1501% | 2,385 |
| Total domestic deposits to total assets | 83.5039% | 3,214 |
| Equity capital to assets | 11.5700% | 2,332 |
| Core capital (leverage) ratio | 9.4541% | 4,191 |
| Tier 1 risk-based capital ratio | 13.8942% | 3,396 |
| Total risk-based capital ratio | 14.3576% | 3,732 |
| Memoranda: | ||
| Average total assets | $4,845,027,000 | 234 |
| Average earning assets | $4,375,497,500 | 236 |
| Average equity | $546,397,500 | 236 |
| Average total loans | $3,572,032,000 | 229 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,645 |
| Cost of funding earning assets | 0.6254% | 2,549 |
| Net interest margin | 3.5063% | 3,686 |
| Noninterest income to average assets | 1.3988% | 465 |
| Noninterest expense to average assets | 2.5253% | 3,538 |
| Loan and lease loss provision to assets | -0.0531% | 5,201 |
| Net operating income to assets | 1.6615% | 755 |
| Return on assets (ROA) | 1.6615% | 751 |
| Pretax return on assets | 2.0994% | 440 |
| Return on Equity (ROE) | 16.0514% | 625 |
| Retained earnings to average equity (ytd only) | 4.9332% | 2,799 |
| Net charge-offs to loans | 0.0174% | 3,106 |
| Credit loss provision to net charge-offs | -411.5865% | 4,603 |
| Earnings coverage of net charge-offs (x) | 158.4742% | 544 |
| Efficiency ratio | 54.9844% | 4,519 |
| Assets per employee ($millions) | 5.4114% | 2,050 |
| Cash dividends to net income (ytd only)* | 69.2665% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4453% | 5,180 |
| Loan loss allowance to noncurrent loans | 107.8201% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 2,960 |
| Noncurrent loans to loans | 0.4130% | 3,052 |
| Net loans and leases to total assets | 73.7808% | 1,973 |
| Net loans and leases to deposits | 89.3824% | 1,879 |
| Net loans and leases to core deposits | 93.1656% | 2,301 |
| Total domestic deposits to total assets | 82.5451% | 3,467 |
| Equity capital to assets | 11.0382% | 2,648 |
| Core capital (leverage) ratio | 9.8056% | 3,790 |
| Tier 1 risk-based capital ratio | 13.0506% | 3,821 |
| Total risk-based capital ratio | 13.5526% | 4,119 |
| Memoranda: | ||
| Average total assets | $4,344,645,600 | 249 |
| Average earning assets | $3,931,430,400 | 247 |
| Average equity | $449,711,200 | 262 |
| Average total loans | $3,229,884,800 | 239 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 3,519 |
| Cost of funding earning assets | 0.5908% | 2,543 |
| Net interest margin | 3.5433% | 3,541 |
| Noninterest income to average assets | 1.4142% | 474 |
| Noninterest expense to average assets | 2.3290% | 4,025 |
| Loan and lease loss provision to assets | -0.0603% | 5,310 |
| Net operating income to assets | 1.8636% | 532 |
| Return on assets (ROA) | 1.8636% | 531 |
| Pretax return on assets | 2.3545% | 305 |
| Return on Equity (ROE) | 18.3532% | 394 |
| Retained earnings to average equity (ytd only) | 18.3532% | 80 |
| Net charge-offs to loans | 0.0261% | 2,590 |
| Credit loss provision to net charge-offs | -309.9026% | 4,403 |
| Earnings coverage of net charge-offs (x) | 117.9160% | 668 |
| Efficiency ratio | 50.1175% | 4,936 |
| Assets per employee ($millions) | 5.1413% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 5,166 |
| Loan loss allowance to noncurrent loans | 142.0695% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 3,288 |
| Noncurrent loans to loans | 0.3650% | 3,339 |
| Net loans and leases to total assets | 71.7760% | 2,362 |
| Net loans and leases to deposits | 90.2711% | 1,861 |
| Net loans and leases to core deposits | 93.9816% | 2,289 |
| Total domestic deposits to total assets | 79.5116% | 4,218 |
| Equity capital to assets | 10.3969% | 3,239 |
| Core capital (leverage) ratio | 9.3878% | 4,292 |
| Tier 1 risk-based capital ratio | 14.0012% | 3,372 |
| Total risk-based capital ratio | 14.5885% | 3,634 |
| Memoranda: | ||
| Average total assets | $4,221,364,750 | 250 |
| Average earning assets | $3,823,113,250 | 252 |
| Average equity | $428,638,500 | 271 |
| Average total loans | $3,141,028,750 | 245 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,694 |
| Cost of funding earning assets | 0.5320% | 2,749 |
| Net interest margin | 3.4964% | 3,639 |
| Noninterest income to average assets | 1.4076% | 478 |
| Noninterest expense to average assets | 2.3498% | 4,027 |
| Loan and lease loss provision to assets | -0.0902% | 5,419 |
| Net operating income to assets | 1.8442% | 530 |
| Return on assets (ROA) | 1.8442% | 532 |
| Pretax return on assets | 2.3167% | 314 |
| Return on Equity (ROE) | 18.3144% | 388 |
| Retained earnings to average equity (ytd only) | 18.3144% | 91 |
| Net charge-offs to loans | 0.0050% | 2,994 |
| Credit loss provision to net charge-offs | -2,412.8205% | 4,662 |
| Earnings coverage of net charge-offs (x) | 595.9231% | 145 |
| Efficiency ratio | 51.0818% | 4,961 |
| Assets per employee ($millions) | 5.0809% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5349% | 5,214 |
| Loan loss allowance to noncurrent loans | 127.6165% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,235 |
| Noncurrent loans to loans | 0.4192% | 3,198 |
| Net loans and leases to total assets | 72.7465% | 2,160 |
| Net loans and leases to deposits | 90.8962% | 1,722 |
| Net loans and leases to core deposits | 94.4835% | 2,184 |
| Total domestic deposits to total assets | 80.0325% | 4,232 |
| Equity capital to assets | 10.1183% | 3,524 |
| Core capital (leverage) ratio | 9.2443% | 4,421 |
| Tier 1 risk-based capital ratio | 13.2420% | 3,767 |
| Total risk-based capital ratio | 13.8517% | 4,025 |
| Memoranda: | ||
| Average total assets | $4,175,220,670 | 250 |
| Average earning assets | $3,783,980,000 | 252 |
| Average equity | $420,423,330 | 270 |
| Average total loans | $3,139,506,000 | 241 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,556 |
| Cost of funding earning assets | 0.5102% | 2,719 |
| Net interest margin | 3.5039% | 3,523 |
| Noninterest income to average assets | 1.3702% | 495 |
| Noninterest expense to average assets | 2.3729% | 4,011 |
| Loan and lease loss provision to assets | 0.0176% | 3,308 |
| Net operating income to assets | 1.7151% | 668 |
| Return on assets (ROA) | 1.7151% | 676 |
| Pretax return on assets | 2.1534% | 413 |
| Return on Equity (ROE) | 17.0766% | 501 |
| Retained earnings to average equity (ytd only) | 17.0766% | 189 |
| Net charge-offs to loans | 0.0812% | 1,323 |
| Credit loss provision to net charge-offs | 28.4591% | 2,078 |
| Earnings coverage of net charge-offs (x) | 35.0409% | 1,144 |
| Efficiency ratio | 51.9488% | 4,965 |
| Assets per employee ($millions) | 4.9632% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 5,211 |
| Loan loss allowance to noncurrent loans | 189.8864% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,522 |
| Noncurrent loans to loans | 0.3086% | 3,665 |
| Net loans and leases to total assets | 75.3440% | 1,648 |
| Net loans and leases to deposits | 89.4782% | 1,751 |
| Net loans and leases to core deposits | 92.8070% | 2,236 |
| Total domestic deposits to total assets | 84.2037% | 3,233 |
| Equity capital to assets | 10.0872% | 3,516 |
| Core capital (leverage) ratio | 8.8138% | 4,878 |
| Tier 1 risk-based capital ratio | 12.5755% | 4,192 |
| Total risk-based capital ratio | 13.2432% | 4,447 |
| Memoranda: | ||
| Average total assets | $4,106,006,500 | 255 |
| Average earning assets | $3,719,126,000 | 258 |
| Average equity | $412,401,000 | 275 |
| Average total loans | $3,131,806,500 | 239 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,715 |
| Cost of funding earning assets | 0.4393% | 2,879 |
| Net interest margin | 3.4642% | 3,643 |
| Noninterest income to average assets | 1.4565% | 498 |
| Noninterest expense to average assets | 2.3415% | 4,223 |
| Loan and lease loss provision to assets | 0.0747% | 2,707 |
| Net operating income to assets | 1.2765% | 1,285 |
| Return on assets (ROA) | 1.3473% | 1,145 |
| Pretax return on assets | 2.2808% | 275 |
| Return on Equity (ROE) | 13.3643% | 872 |
| Retained earnings to average equity (ytd only) | 5.9698% | 1,553 |
| Net charge-offs to loans | 0.1264% | 1,784 |
| Credit loss provision to net charge-offs | 77.0769% | 2,988 |
| Earnings coverage of net charge-offs (x) | 23.1813% | 1,819 |
| Efficiency ratio | 50.7439% | 5,182 |
| Assets per employee ($millions) | 4.8427% | 2,683 |
| Cash dividends to net income (ytd only)* | 55.3301% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 5,239 |
| Loan loss allowance to noncurrent loans | 178.4050% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,476 |
| Noncurrent loans to loans | 0.3377% | 3,553 |
| Net loans and leases to total assets | 76.3049% | 1,541 |
| Net loans and leases to deposits | 92.1121% | 1,507 |
| Net loans and leases to core deposits | 95.4307% | 2,081 |
| Total domestic deposits to total assets | 82.8392% | 3,614 |
| Equity capital to assets | 9.9998% | 3,708 |
| Core capital (leverage) ratio | 8.4725% | 5,164 |
| Tier 1 risk-based capital ratio | 11.9885% | 4,536 |
| Total risk-based capital ratio | 12.6671% | 4,786 |
| Memoranda: | ||
| Average total assets | $4,024,454,400 | 253 |
| Average earning assets | $3,637,840,200 | 248 |
| Average equity | $405,707,000 | 264 |
| Average total loans | $3,086,470,400 | 235 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,760 |
| Cost of funding earning assets | 0.4253% | 2,921 |
| Net interest margin | 3.4476% | 3,684 |
| Noninterest income to average assets | 1.4375% | 519 |
| Noninterest expense to average assets | 2.3838% | 4,061 |
| Loan and lease loss provision to assets | 0.0859% | 2,373 |
| Net operating income to assets | 1.3943% | 1,100 |
| Return on assets (ROA) | 1.4932% | 932 |
| Pretax return on assets | 2.2274% | 342 |
| Return on Equity (ROE) | 14.7814% | 683 |
| Retained earnings to average equity (ytd only) | 14.7814% | 123 |
| Net charge-offs to loans | 0.1196% | 1,594 |
| Credit loss provision to net charge-offs | 93.6232% | 2,411 |
| Earnings coverage of net charge-offs (x) | 23.6330% | 1,802 |
| Efficiency ratio | 52.0808% | 5,094 |
| Assets per employee ($millions) | 4.8267% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6298% | 5,273 |
| Loan loss allowance to noncurrent loans | 180.3708% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 3,561 |
| Noncurrent loans to loans | 0.3492% | 3,698 |
| Net loans and leases to total assets | 76.3687% | 1,521 |
| Net loans and leases to deposits | 93.7374% | 1,327 |
| Net loans and leases to core deposits | 97.1457% | 1,964 |
| Total domestic deposits to total assets | 81.4710% | 3,924 |
| Equity capital to assets | 10.6162% | 3,251 |
| Core capital (leverage) ratio | 9.0427% | 4,697 |
| Tier 1 risk-based capital ratio | 12.7356% | 4,184 |
| Total risk-based capital ratio | 13.4445% | 4,395 |
| Memoranda: | ||
| Average total assets | $4,012,400,250 | 252 |
| Average earning assets | $3,623,795,250 | 250 |
| Average equity | $405,319,500 | 261 |
| Average total loans | $3,076,466,750 | 237 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 3,797 |
| Cost of funding earning assets | 0.4127% | 2,955 |
| Net interest margin | 3.4147% | 3,720 |
| Noninterest income to average assets | 1.4302% | 526 |
| Noninterest expense to average assets | 2.3852% | 4,090 |
| Loan and lease loss provision to assets | 0.0595% | 2,779 |
| Net operating income to assets | 1.3962% | 1,082 |
| Return on assets (ROA) | 1.5449% | 815 |
| Pretax return on assets | 2.2878% | 307 |
| Return on Equity (ROE) | 15.5596% | 591 |
| Retained earnings to average equity (ytd only) | 15.5596% | 117 |
| Net charge-offs to loans | 0.1212% | 1,440 |
| Credit loss provision to net charge-offs | 64.1012% | 2,429 |
| Earnings coverage of net charge-offs (x) | 22.9263% | 1,688 |
| Efficiency ratio | 52.5493% | 5,133 |
| Assets per employee ($millions) | 4.7538% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 5,351 |
| Loan loss allowance to noncurrent loans | 175.2114% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,602 |
| Noncurrent loans to loans | 0.3529% | 3,768 |
| Net loans and leases to total assets | 76.6285% | 1,442 |
| Net loans and leases to deposits | 92.2725% | 1,458 |
| Net loans and leases to core deposits | 95.5086% | 2,024 |
| Total domestic deposits to total assets | 83.0458% | 3,551 |
| Equity capital to assets | 10.3573% | 3,506 |
| Core capital (leverage) ratio | 8.6210% | 5,121 |
| Tier 1 risk-based capital ratio | 12.2690% | 4,445 |
| Total risk-based capital ratio | 12.9557% | 4,715 |
| Memoranda: | ||
| Average total assets | $4,003,229,000 | 253 |
| Average earning assets | $3,614,542,330 | 253 |
| Average equity | $397,464,000 | 267 |
| Average total loans | $3,067,027,330 | 238 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 3,899 |
| Cost of funding earning assets | 0.4051% | 2,944 |
| Net interest margin | 3.3553% | 3,821 |
| Noninterest income to average assets | 1.3863% | 553 |
| Noninterest expense to average assets | 2.3855% | 4,162 |
| Loan and lease loss provision to assets | 0.0680% | 2,452 |
| Net operating income to assets | 1.3176% | 1,195 |
| Return on assets (ROA) | 1.6147% | 674 |
| Pretax return on assets | 2.3986% | 255 |
| Return on Equity (ROE) | 16.6217% | 450 |
| Retained earnings to average equity (ytd only) | 16.6217% | 177 |
| Net charge-offs to loans | 0.1572% | 1,029 |
| Credit loss provision to net charge-offs | 56.6556% | 1,936 |
| Earnings coverage of net charge-offs (x) | 16.9010% | 1,621 |
| Efficiency ratio | 53.7383% | 5,153 |
| Assets per employee ($millions) | 4.8684% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 5,437 |
| Loan loss allowance to noncurrent loans | 164.1374% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 3,612 |
| Noncurrent loans to loans | 0.3808% | 3,733 |
| Net loans and leases to total assets | 75.1241% | 1,554 |
| Net loans and leases to deposits | 88.7459% | 1,704 |
| Net loans and leases to core deposits | 91.6895% | 2,195 |
| Total domestic deposits to total assets | 84.6508% | 3,241 |
| Equity capital to assets | 9.7793% | 3,997 |
| Core capital (leverage) ratio | 8.4024% | 5,304 |
| Tier 1 risk-based capital ratio | 11.7445% | 4,889 |
| Total risk-based capital ratio | 12.4383% | 5,105 |
| Memoranda: | ||
| Average total assets | $4,005,858,000 | 254 |
| Average earning assets | $3,614,839,000 | 255 |
| Average equity | $389,154,500 | 273 |
| Average total loans | $3,059,217,000 | 235 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 3,741 |
| Cost of funding earning assets | 0.3898% | 3,103 |
| Net interest margin | 3.4602% | 3,583 |
| Noninterest income to average assets | 1.4346% | 565 |
| Noninterest expense to average assets | 2.4636% | 4,119 |
| Loan and lease loss provision to assets | 0.1151% | 2,144 |
| Net operating income to assets | 1.3115% | 1,186 |
| Return on assets (ROA) | 1.3986% | 1,040 |
| Pretax return on assets | 2.0732% | 425 |
| Return on Equity (ROE) | 14.6447% | 682 |
| Retained earnings to average equity (ytd only) | 12.5472% | 190 |
| Net charge-offs to loans | 0.1337% | 1,906 |
| Credit loss provision to net charge-offs | 112.2350% | 2,343 |
| Earnings coverage of net charge-offs (x) | 20.2000% | 1,867 |
| Efficiency ratio | 53.9869% | 5,243 |
| Assets per employee ($millions) | 4.6540% | 2,869 |
| Cash dividends to net income (ytd only)* | 14.3226% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 5,452 |
| Loan loss allowance to noncurrent loans | 137.3382% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 3,338 |
| Noncurrent loans to loans | 0.4717% | 3,457 |
| Net loans and leases to total assets | 76.6638% | 1,412 |
| Net loans and leases to deposits | 92.8873% | 1,309 |
| Net loans and leases to core deposits | 96.0735% | 1,919 |
| Total domestic deposits to total assets | 82.5342% | 3,926 |
| Equity capital to assets | 9.6480% | 4,120 |
| Core capital (leverage) ratio | 8.3318% | 5,415 |
| Tier 1 risk-based capital ratio | 11.5199% | 5,047 |
| Total risk-based capital ratio | 12.2353% | 5,245 |
| Memoranda: | ||
| Average total assets | $3,818,975,800 | 247 |
| Average earning assets | $3,421,251,600 | 249 |
| Average equity | $364,719,800 | 276 |
| Average total loans | $2,928,657,400 | 232 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 3,761 |
| Cost of funding earning assets | 0.3865% | 3,162 |
| Net interest margin | 3.4656% | 3,607 |
| Noninterest income to average assets | 1.4285% | 584 |
| Noninterest expense to average assets | 2.5382% | 3,870 |
| Loan and lease loss provision to assets | 0.1089% | 2,111 |
| Net operating income to assets | 1.2469% | 1,465 |
| Return on assets (ROA) | 1.3545% | 1,236 |
| Pretax return on assets | 2.0339% | 532 |
| Return on Equity (ROE) | 14.2213% | 781 |
| Retained earnings to average equity (ytd only) | 14.2213% | 160 |
| Net charge-offs to loans | 0.1284% | 1,676 |
| Credit loss provision to net charge-offs | 110.7053% | 2,220 |
| Earnings coverage of net charge-offs (x) | 20.2685% | 1,884 |
| Efficiency ratio | 55.6673% | 5,092 |
| Assets per employee ($millions) | 4.6149% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 5,506 |
| Loan loss allowance to noncurrent loans | 124.6334% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 3,264 |
| Noncurrent loans to loans | 0.5305% | 3,405 |
| Net loans and leases to total assets | 76.3237% | 1,473 |
| Net loans and leases to deposits | 91.8667% | 1,516 |
| Net loans and leases to core deposits | 94.8473% | 2,121 |
| Total domestic deposits to total assets | 83.0810% | 3,554 |
| Equity capital to assets | 9.9240% | 4,211 |
| Core capital (leverage) ratio | 8.5496% | 5,318 |
| Tier 1 risk-based capital ratio | 11.7295% | 4,964 |
| Total risk-based capital ratio | 12.4500% | 5,161 |
| Memoranda: | ||
| Average total assets | $3,787,078,250 | 248 |
| Average earning assets | $3,390,515,750 | 251 |
| Average equity | $360,708,750 | 275 |
| Average total loans | $2,899,492,500 | 234 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 3,754 |
| Cost of funding earning assets | 0.3866% | 3,185 |
| Net interest margin | 3.4702% | 3,614 |
| Noninterest income to average assets | 1.4155% | 575 |
| Noninterest expense to average assets | 2.5336% | 3,936 |
| Loan and lease loss provision to assets | 0.0882% | 2,381 |
| Net operating income to assets | 1.2550% | 1,405 |
| Return on assets (ROA) | 1.3103% | 1,341 |
| Pretax return on assets | 1.9694% | 604 |
| Return on Equity (ROE) | 13.9565% | 839 |
| Retained earnings to average equity (ytd only) | 13.9565% | 193 |
| Net charge-offs to loans | 0.1231% | 1,609 |
| Credit loss provision to net charge-offs | 93.6830% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.1060% | 1,696 |
| Efficiency ratio | 55.6944% | 5,173 |
| Assets per employee ($millions) | 4.4378% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6593% | 5,591 |
| Loan loss allowance to noncurrent loans | 119.9411% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 3,318 |
| Noncurrent loans to loans | 0.5497% | 3,417 |
| Net loans and leases to total assets | 76.0933% | 1,479 |
| Net loans and leases to deposits | 91.0456% | 1,623 |
| Net loans and leases to core deposits | 93.9306% | 2,173 |
| Total domestic deposits to total assets | 83.5771% | 3,435 |
| Equity capital to assets | 9.7375% | 4,523 |
| Core capital (leverage) ratio | 8.1831% | 5,610 |
| Tier 1 risk-based capital ratio | 11.6146% | 5,085 |
| Total risk-based capital ratio | 12.3443% | 5,286 |
| Memoranda: | ||
| Average total assets | $3,766,508,000 | 249 |
| Average earning assets | $3,370,392,670 | 252 |
| Average equity | $353,627,000 | 281 |
| Average total loans | $2,880,293,330 | 237 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 3,844 |
| Cost of funding earning assets | 0.3807% | 3,289 |
| Net interest margin | 3.4483% | 3,673 |
| Noninterest income to average assets | 1.3848% | 580 |
| Noninterest expense to average assets | 2.5270% | 3,991 |
| Loan and lease loss provision to assets | 0.0574% | 2,798 |
| Net operating income to assets | 1.2501% | 1,405 |
| Return on assets (ROA) | 1.2748% | 1,416 |
| Pretax return on assets | 1.9136% | 672 |
| Return on Equity (ROE) | 13.8379% | 865 |
| Retained earnings to average equity (ytd only) | 13.8379% | 330 |
| Net charge-offs to loans | 0.0662% | 1,830 |
| Credit loss provision to net charge-offs | 113.4737% | 1,489 |
| Earnings coverage of net charge-offs (x) | 38.4632% | 1,029 |
| Efficiency ratio | 56.1335% | 5,179 |
| Assets per employee ($millions) | 4.4542% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 5,645 |
| Loan loss allowance to noncurrent loans | 115.9573% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 3,273 |
| Noncurrent loans to loans | 0.5791% | 3,456 |
| Net loans and leases to total assets | 74.9304% | 1,565 |
| Net loans and leases to deposits | 88.7760% | 1,728 |
| Net loans and leases to core deposits | 91.4579% | 2,236 |
| Total domestic deposits to total assets | 84.4040% | 3,356 |
| Equity capital to assets | 9.2737% | 4,911 |
| Core capital (leverage) ratio | 8.0389% | 5,750 |
| Tier 1 risk-based capital ratio | 11.5314% | 5,222 |
| Total risk-based capital ratio | 12.2936% | 5,391 |
| Memoranda: | ||
| Average total assets | $3,754,821,000 | 250 |
| Average earning assets | $3,363,058,000 | 253 |
| Average equity | $345,920,000 | 284 |
| Average total loans | $2,869,344,000 | 235 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,213 |
| Cost of funding earning assets | 0.3792% | 3,380 |
| Net interest margin | 3.6474% | 2,951 |
| Noninterest income to average assets | 1.8197% | 406 |
| Noninterest expense to average assets | 2.5879% | 3,965 |
| Loan and lease loss provision to assets | 0.1977% | 1,093 |
| Net operating income to assets | 1.4943% | 875 |
| Return on assets (ROA) | 1.5592% | 792 |
| Pretax return on assets | 2.3745% | 256 |
| Return on Equity (ROE) | 15.7136% | 587 |
| Retained earnings to average equity (ytd only) | 2.0303% | 4,571 |
| Net charge-offs to loans | 0.2622% | 1,148 |
| Credit loss provision to net charge-offs | 98.5058% | 2,580 |
| Earnings coverage of net charge-offs (x) | 12.3899% | 2,471 |
| Efficiency ratio | 50.6257% | 5,730 |
| Assets per employee ($millions) | 4.3238% | 3,351 |
| Cash dividends to net income (ytd only)* | 87.0796% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 5,635 |
| Loan loss allowance to noncurrent loans | 111.6720% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 3,054 |
| Noncurrent loans to loans | 0.6271% | 3,304 |
| Net loans and leases to total assets | 76.8867% | 1,270 |
| Net loans and leases to deposits | 90.8176% | 1,530 |
| Net loans and leases to core deposits | 93.4216% | 2,096 |
| Total domestic deposits to total assets | 84.6606% | 3,231 |
| Equity capital to assets | 9.1497% | 4,970 |
| Core capital (leverage) ratio | 8.1411% | 5,743 |
| Tier 1 risk-based capital ratio | 11.4778% | 5,268 |
| Total risk-based capital ratio | 12.2748% | 5,407 |
| Memoranda: | ||
| Average total assets | $3,535,383,800 | 244 |
| Average earning assets | $3,154,346,000 | 246 |
| Average equity | $350,791,200 | 271 |
| Average total loans | $2,705,279,600 | 231 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,111 |
| Cost of funding earning assets | 0.3816% | 3,412 |
| Net interest margin | 3.6758% | 2,864 |
| Noninterest income to average assets | 1.9193% | 383 |
| Noninterest expense to average assets | 2.6785% | 3,640 |
| Loan and lease loss provision to assets | 0.1593% | 1,346 |
| Net operating income to assets | 1.5086% | 908 |
| Return on assets (ROA) | 1.5866% | 832 |
| Pretax return on assets | 2.4668% | 250 |
| Return on Equity (ROE) | 15.6677% | 640 |
| Retained earnings to average equity (ytd only) | 15.6677% | 142 |
| Net charge-offs to loans | 0.1692% | 1,467 |
| Credit loss provision to net charge-offs | 123.3747% | 1,942 |
| Earnings coverage of net charge-offs (x) | 19.5112% | 1,933 |
| Efficiency ratio | 51.1502% | 5,714 |
| Assets per employee ($millions) | 4.2061% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 5,567 |
| Loan loss allowance to noncurrent loans | 89.6831% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 2,773 |
| Noncurrent loans to loans | 0.8661% | 2,814 |
| Net loans and leases to total assets | 76.6304% | 1,302 |
| Net loans and leases to deposits | 92.9994% | 1,304 |
| Net loans and leases to core deposits | 95.7771% | 1,908 |
| Total domestic deposits to total assets | 82.3988% | 4,025 |
| Equity capital to assets | 10.6908% | 3,369 |
| Core capital (leverage) ratio | 9.6543% | 4,097 |
| Tier 1 risk-based capital ratio | 13.6211% | 4,070 |
| Total risk-based capital ratio | 14.4820% | 4,218 |
| Memoranda: | ||
| Average total assets | $3,495,018,250 | 253 |
| Average earning assets | $3,116,701,750 | 253 |
| Average equity | $353,926,000 | 275 |
| Average total loans | $2,665,992,500 | 235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 2,842 |
| Cost of funding earning assets | 0.3835% | 3,441 |
| Net interest margin | 3.7323% | 2,569 |
| Noninterest income to average assets | 2.1223% | 342 |
| Noninterest expense to average assets | 2.6040% | 3,896 |
| Loan and lease loss provision to assets | 0.2130% | 901 |
| Net operating income to assets | 1.6549% | 679 |
| Return on assets (ROA) | 1.7586% | 586 |
| Pretax return on assets | 2.7791% | 165 |
| Return on Equity (ROE) | 17.6947% | 432 |
| Retained earnings to average equity (ytd only) | 17.6947% | 111 |
| Net charge-offs to loans | 0.2308% | 1,120 |
| Credit loss provision to net charge-offs | 121.5008% | 1,786 |
| Earnings coverage of net charge-offs (x) | 16.2241% | 1,923 |
| Efficiency ratio | 47.3737% | 5,989 |
| Assets per employee ($millions) | 4.1433% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 5,653 |
| Loan loss allowance to noncurrent loans | 117.3396% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 3,307 |
| Noncurrent loans to loans | 0.6607% | 3,501 |
| Net loans and leases to total assets | 75.9817% | 1,370 |
| Net loans and leases to deposits | 91.3182% | 1,446 |
| Net loans and leases to core deposits | 94.1430% | 1,949 |
| Total domestic deposits to total assets | 83.2053% | 3,870 |
| Equity capital to assets | 10.3399% | 3,633 |
| Core capital (leverage) ratio | 9.2574% | 4,610 |
| Tier 1 risk-based capital ratio | 13.2446% | 4,378 |
| Total risk-based capital ratio | 14.1000% | 4,516 |
| Memoranda: | ||
| Average total assets | $3,496,340,000 | 253 |
| Average earning assets | $3,115,911,000 | 255 |
| Average equity | $347,494,670 | 280 |
| Average total loans | $2,655,940,330 | 235 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,604 |
| Cost of funding earning assets | 0.3859% | 3,458 |
| Net interest margin | 3.7742% | 2,331 |
| Noninterest income to average assets | 2.7351% | 240 |
| Noninterest expense to average assets | 2.6028% | 3,906 |
| Loan and lease loss provision to assets | 0.1017% | 2,000 |
| Net operating income to assets | 2.0751% | 295 |
| Return on assets (ROA) | 2.1018% | 299 |
| Pretax return on assets | 3.4223% | 108 |
| Return on Equity (ROE) | 21.5845% | 201 |
| Retained earnings to average equity (ytd only) | 21.5845% | 74 |
| Net charge-offs to loans | 0.1301% | 1,474 |
| Credit loss provision to net charge-offs | 103.3760% | 1,574 |
| Earnings coverage of net charge-offs (x) | 35.5367% | 1,043 |
| Efficiency ratio | 42.2701% | 6,227 |
| Assets per employee ($millions) | 4.1770% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 5,767 |
| Loan loss allowance to noncurrent loans | 112.4304% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 3,223 |
| Noncurrent loans to loans | 0.6819% | 3,574 |
| Net loans and leases to total assets | 73.8279% | 1,529 |
| Net loans and leases to deposits | 88.1481% | 1,597 |
| Net loans and leases to core deposits | 90.8489% | 2,048 |
| Total domestic deposits to total assets | 83.7544% | 3,907 |
| Equity capital to assets | 9.8809% | 4,288 |
| Core capital (leverage) ratio | 8.9514% | 5,009 |
| Tier 1 risk-based capital ratio | 12.8715% | 4,678 |
| Total risk-based capital ratio | 13.7187% | 4,839 |
| Memoranda: | ||
| Average total assets | $3,491,878,500 | 251 |
| Average earning assets | $3,112,839,000 | 254 |
| Average equity | $340,022,500 | 282 |
| Average total loans | $2,641,827,500 | 234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,551 |
| Cost of funding earning assets | 0.4048% | 3,646 |
| Net interest margin | 3.9107% | 2,200 |
| Noninterest income to average assets | 1.7005% | 444 |
| Noninterest expense to average assets | 2.7927% | 3,508 |
| Loan and lease loss provision to assets | 0.1200% | 2,177 |
| Net operating income to assets | 1.5423% | 808 |
| Return on assets (ROA) | 1.5697% | 787 |
| Pretax return on assets | 2.2834% | 271 |
| Return on Equity (ROE) | 15.7451% | 656 |
| Retained earnings to average equity (ytd only) | 2.2938% | 4,605 |
| Net charge-offs to loans | 0.1720% | 2,309 |
| Credit loss provision to net charge-offs | 90.5113% | 2,639 |
| Earnings coverage of net charge-offs (x) | 17.9172% | 1,878 |
| Efficiency ratio | 53.4934% | 5,884 |
| Assets per employee ($millions) | 3.8674% | 4,228 |
| Cash dividends to net income (ytd only)* | 85.4314% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 5,865 |
| Loan loss allowance to noncurrent loans | 118.5364% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 3,383 |
| Noncurrent loans to loans | 0.6411% | 3,766 |
| Net loans and leases to total assets | 76.3633% | 1,213 |
| Net loans and leases to deposits | 91.2178% | 1,375 |
| Net loans and leases to core deposits | 94.1153% | 1,909 |
| Total domestic deposits to total assets | 83.7153% | 3,833 |
| Equity capital to assets | 9.5903% | 4,605 |
| Core capital (leverage) ratio | 8.8027% | 5,243 |
| Tier 1 risk-based capital ratio | 11.9095% | 5,423 |
| Total risk-based capital ratio | 12.7263% | 5,597 |
| Memoranda: | ||
| Average total assets | $3,377,944,200 | 247 |
| Average earning assets | $2,995,471,800 | 248 |
| Average equity | $336,770,800 | 267 |
| Average total loans | $2,604,043,400 | 222 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,440 |
| Cost of funding earning assets | 0.4047% | 3,739 |
| Net interest margin | 3.9404% | 2,074 |
| Noninterest income to average assets | 1.7020% | 455 |
| Noninterest expense to average assets | 2.8403% | 3,316 |
| Loan and lease loss provision to assets | 0.1456% | 1,719 |
| Net operating income to assets | 1.4912% | 957 |
| Return on assets (ROA) | 1.5217% | 933 |
| Pretax return on assets | 2.2401% | 341 |
| Return on Equity (ROE) | 15.1155% | 803 |
| Retained earnings to average equity (ytd only) | 8.6922% | 1,100 |
| Net charge-offs to loans | 0.1933% | 1,920 |
| Credit loss provision to net charge-offs | 97.6583% | 2,284 |
| Earnings coverage of net charge-offs (x) | 15.7882% | 2,029 |
| Efficiency ratio | 54.1438% | 5,807 |
| Assets per employee ($millions) | 3.7099% | 4,469 |
| Cash dividends to net income (ytd only)* | 42.4944% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 5,923 |
| Loan loss allowance to noncurrent loans | 106.6531% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 3,310 |
| Noncurrent loans to loans | 0.7304% | 3,774 |
| Net loans and leases to total assets | 77.4672% | 1,025 |
| Net loans and leases to deposits | 93.1485% | 1,111 |
| Net loans and leases to core deposits | 96.3561% | 1,645 |
| Total domestic deposits to total assets | 83.1653% | 4,074 |
| Equity capital to assets | 10.2618% | 3,840 |
| Core capital (leverage) ratio | 9.4628% | 4,423 |
| Tier 1 risk-based capital ratio | 12.5690% | 5,131 |
| Total risk-based capital ratio | 13.3992% | 5,316 |
| Memoranda: | ||
| Average total assets | $3,360,978,000 | 246 |
| Average earning assets | $2,978,566,000 | 248 |
| Average equity | $338,347,250 | 263 |
| Average total loans | $2,592,183,250 | 220 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,387 |
| Cost of funding earning assets | 0.4055% | 3,818 |
| Net interest margin | 3.9433% | 2,001 |
| Noninterest income to average assets | 1.6855% | 456 |
| Noninterest expense to average assets | 2.8305% | 3,398 |
| Loan and lease loss provision to assets | 0.1071% | 2,224 |
| Net operating income to assets | 1.5329% | 824 |
| Return on assets (ROA) | 1.5648% | 800 |
| Pretax return on assets | 2.2757% | 315 |
| Return on Equity (ROE) | 15.6449% | 688 |
| Retained earnings to average equity (ytd only) | 15.6449% | 187 |
| Net charge-offs to loans | 0.1424% | 2,250 |
| Credit loss provision to net charge-offs | 97.8770% | 2,050 |
| Earnings coverage of net charge-offs (x) | 21.4682% | 1,542 |
| Efficiency ratio | 54.1102% | 5,900 |
| Assets per employee ($millions) | 3.6615% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,981 |
| Loan loss allowance to noncurrent loans | 101.9814% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 3,358 |
| Noncurrent loans to loans | 0.7813% | 3,746 |
| Net loans and leases to total assets | 76.3182% | 1,126 |
| Net loans and leases to deposits | 91.4759% | 1,219 |
| Net loans and leases to core deposits | 94.6681% | 1,721 |
| Total domestic deposits to total assets | 83.4298% | 4,139 |
| Equity capital to assets | 10.4539% | 3,495 |
| Core capital (leverage) ratio | 9.5336% | 4,276 |
| Tier 1 risk-based capital ratio | 12.8934% | 4,981 |
| Total risk-based capital ratio | 13.7338% | 5,161 |
| Memoranda: | ||
| Average total assets | $3,358,445,670 | 244 |
| Average earning assets | $2,975,355,000 | 246 |
| Average equity | $335,904,000 | 262 |
| Average total loans | $2,579,568,330 | 218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 2,091 |
| Cost of funding earning assets | 0.4038% | 3,928 |
| Net interest margin | 4.0097% | 1,723 |
| Noninterest income to average assets | 1.6620% | 449 |
| Noninterest expense to average assets | 2.8238% | 3,473 |
| Loan and lease loss provision to assets | 0.1621% | 1,502 |
| Net operating income to assets | 1.5751% | 695 |
| Return on assets (ROA) | 1.6013% | 697 |
| Pretax return on assets | 2.2577% | 326 |
| Return on Equity (ROE) | 16.3789% | 602 |
| Retained earnings to average equity (ytd only) | 16.3789% | 253 |
| Net charge-offs to loans | 0.1386% | 1,887 |
| Credit loss provision to net charge-offs | 152.4609% | 1,244 |
| Earnings coverage of net charge-offs (x) | 22.5078% | 1,250 |
| Efficiency ratio | 53.5841% | 6,047 |
| Assets per employee ($millions) | 3.6360% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 6,050 |
| Loan loss allowance to noncurrent loans | 88.5914% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 3,292 |
| Noncurrent loans to loans | 0.9295% | 3,562 |
| Net loans and leases to total assets | 75.0347% | 1,122 |
| Net loans and leases to deposits | 88.9261% | 1,259 |
| Net loans and leases to core deposits | 92.2414% | 1,710 |
| Total domestic deposits to total assets | 84.3787% | 4,135 |
| Equity capital to assets | 9.9356% | 3,921 |
| Core capital (leverage) ratio | 9.0924% | 4,880 |
| Tier 1 risk-based capital ratio | 12.2807% | 5,457 |
| Total risk-based capital ratio | 13.1467% | 5,631 |
| Memoranda: | ||
| Average total assets | $3,362,541,500 | 241 |
| Average earning assets | $2,981,674,500 | 242 |
| Average equity | $328,740,000 | 262 |
| Average total loans | $2,580,658,000 | 215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 1,357 |
| Cost of funding earning assets | 0.4659% | 3,952 |
| Net interest margin | 4.3180% | 1,067 |
| Noninterest income to average assets | 1.7415% | 491 |
| Noninterest expense to average assets | 3.0743% | 2,823 |
| Loan and lease loss provision to assets | 0.2089% | 1,768 |
| Net operating income to assets | 1.4809% | 857 |
| Return on assets (ROA) | 1.5220% | 822 |
| Pretax return on assets | 2.3112% | 261 |
| Return on Equity (ROE) | 15.6340% | 668 |
| Retained earnings to average equity (ytd only) | 1.9076% | 4,873 |
| Net charge-offs to loans | 0.2061% | 2,817 |
| Credit loss provision to net charge-offs | 134.7501% | 1,742 |
| Earnings coverage of net charge-offs (x) | 15.9420% | 1,836 |
| Efficiency ratio | 54.8602% | 6,067 |
| Assets per employee ($millions) | 3.6225% | 4,628 |
| Cash dividends to net income (ytd only)* | 87.7984% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 6,194 |
| Loan loss allowance to noncurrent loans | 67.8304% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 3,080 |
| Noncurrent loans to loans | 1.1641% | 3,214 |
| Net loans and leases to total assets | 77.2321% | 925 |
| Net loans and leases to deposits | 91.9038% | 1,062 |
| Net loans and leases to core deposits | 95.3822% | 1,495 |
| Total domestic deposits to total assets | 84.0358% | 4,159 |
| Equity capital to assets | 9.6160% | 4,267 |
| Core capital (leverage) ratio | 8.5689% | 5,582 |
| Tier 1 risk-based capital ratio | 11.3879% | 5,971 |
| Total risk-based capital ratio | 12.2190% | 6,138 |
| Memoranda: | ||
| Average total assets | $3,277,705,000 | 233 |
| Average earning assets | $2,887,941,000 | 236 |
| Average equity | $319,093,800 | 262 |
| Average total loans | $2,466,329,400 | 207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,363 |
| Cost of funding earning assets | 0.4784% | 3,978 |
| Net interest margin | 4.3139% | 1,063 |
| Noninterest income to average assets | 1.7473% | 510 |
| Noninterest expense to average assets | 3.1020% | 2,642 |
| Loan and lease loss provision to assets | 0.2005% | 1,810 |
| Net operating income to assets | 1.4693% | 950 |
| Return on assets (ROA) | 1.4997% | 942 |
| Pretax return on assets | 2.2730% | 340 |
| Return on Equity (ROE) | 15.3564% | 739 |
| Retained earnings to average equity (ytd only) | 10.3314% | 723 |
| Net charge-offs to loans | 0.1703% | 2,856 |
| Credit loss provision to net charge-offs | 157.8558% | 1,501 |
| Earnings coverage of net charge-offs (x) | 19.2244% | 1,638 |
| Efficiency ratio | 55.3790% | 5,986 |
| Assets per employee ($millions) | 3.6479% | 4,564 |
| Cash dividends to net income (ytd only)* | 32.7225% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 6,271 |
| Loan loss allowance to noncurrent loans | 69.3758% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 3,448 |
| Noncurrent loans to loans | 1.1616% | 3,496 |
| Net loans and leases to total assets | 75.1695% | 1,116 |
| Net loans and leases to deposits | 90.3122% | 1,128 |
| Net loans and leases to core deposits | 93.7090% | 1,602 |
| Total domestic deposits to total assets | 83.2329% | 4,490 |
| Equity capital to assets | 10.0478% | 3,834 |
| Core capital (leverage) ratio | 9.0865% | 4,985 |
| Tier 1 risk-based capital ratio | 12.2146% | 5,633 |
| Total risk-based capital ratio | 13.0594% | 5,847 |
| Memoranda: | ||
| Average total assets | $3,260,330,750 | 230 |
| Average earning assets | $2,869,279,000 | 236 |
| Average equity | $318,400,500 | 261 |
| Average total loans | $2,431,489,500 | 206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,397 |
| Cost of funding earning assets | 0.4910% | 3,980 |
| Net interest margin | 4.2778% | 1,076 |
| Noninterest income to average assets | 1.8030% | 513 |
| Noninterest expense to average assets | 3.2277% | 2,282 |
| Loan and lease loss provision to assets | 0.2327% | 1,605 |
| Net operating income to assets | 1.3664% | 1,152 |
| Return on assets (ROA) | 1.3982% | 1,166 |
| Pretax return on assets | 2.1351% | 477 |
| Return on Equity (ROE) | 14.4627% | 918 |
| Retained earnings to average equity (ytd only) | 9.9686% | 848 |
| Net charge-offs to loans | 0.2083% | 2,513 |
| Credit loss provision to net charge-offs | 150.6227% | 1,531 |
| Earnings coverage of net charge-offs (x) | 15.1085% | 1,767 |
| Efficiency ratio | 57.4547% | 5,801 |
| Assets per employee ($millions) | 3.6098% | 4,601 |
| Cash dividends to net income (ytd only)* | 31.0738% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 6,365 |
| Loan loss allowance to noncurrent loans | 64.2290% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 3,254 |
| Noncurrent loans to loans | 1.2364% | 3,483 |
| Net loans and leases to total assets | 74.5178% | 1,171 |
| Net loans and leases to deposits | 88.3832% | 1,293 |
| Net loans and leases to core deposits | 91.7289% | 1,735 |
| Total domestic deposits to total assets | 84.3122% | 4,195 |
| Equity capital to assets | 9.8145% | 4,169 |
| Core capital (leverage) ratio | 8.8108% | 5,276 |
| Tier 1 risk-based capital ratio | 11.9165% | 5,842 |
| Total risk-based capital ratio | 12.7426% | 6,080 |
| Memoranda: | ||
| Average total assets | $3,222,331,670 | 233 |
| Average earning assets | $2,831,302,670 | 238 |
| Average equity | $311,518,670 | 265 |
| Average total loans | $2,389,629,330 | 210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,386 |
| Cost of funding earning assets | 0.5045% | 4,042 |
| Net interest margin | 4.2513% | 1,067 |
| Noninterest income to average assets | 1.8510% | 485 |
| Noninterest expense to average assets | 3.5489% | 1,528 |
| Loan and lease loss provision to assets | 0.2206% | 1,677 |
| Net operating income to assets | 1.1437% | 1,706 |
| Return on assets (ROA) | 1.1789% | 1,696 |
| Pretax return on assets | 1.8518% | 801 |
| Return on Equity (ROE) | 12.2947% | 1,347 |
| Retained earnings to average equity (ytd only) | 9.6472% | 1,202 |
| Net charge-offs to loans | 0.1424% | 2,550 |
| Credit loss provision to net charge-offs | 210.4116% | 1,046 |
| Earnings coverage of net charge-offs (x) | 19.3935% | 1,224 |
| Efficiency ratio | 62.9838% | 5,159 |
| Assets per employee ($millions) | 3.6495% | 4,677 |
| Cash dividends to net income (ytd only)* | 21.5332% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 6,472 |
| Loan loss allowance to noncurrent loans | 57.8464% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 3,345 |
| Noncurrent loans to loans | 1.3654% | 3,518 |
| Net loans and leases to total assets | 72.6711% | 1,250 |
| Net loans and leases to deposits | 85.8340% | 1,367 |
| Net loans and leases to core deposits | 89.1416% | 1,785 |
| Total domestic deposits to total assets | 84.6647% | 4,192 |
| Equity capital to assets | 9.5675% | 4,759 |
| Core capital (leverage) ratio | 8.6394% | 5,406 |
| Tier 1 risk-based capital ratio | 11.4407% | 6,218 |
| Total risk-based capital ratio | 12.2574% | 6,377 |
| Memoranda: | ||
| Average total assets | $3,151,312,000 | 242 |
| Average earning assets | $2,765,772,000 | 247 |
| Average equity | $302,179,500 | 280 |
| Average total loans | $2,320,881,500 | 218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 3,270 |
| Cost of funding earning assets | 0.5910% | 4,430 |
| Net interest margin | 3.9410% | 2,646 |
| Noninterest income to average assets | 1.8954% | 469 |
| Noninterest expense to average assets | 3.0516% | 3,089 |
| Loan and lease loss provision to assets | 0.2252% | 2,879 |
| Net operating income to assets | 1.3438% | 1,208 |
| Return on assets (ROA) | 1.3726% | 1,268 |
| Pretax return on assets | 2.0714% | 520 |
| Return on Equity (ROE) | 14.1406% | 968 |
| Retained earnings to average equity (ytd only) | 0.0680% | 5,799 |
| Net charge-offs to loans | 0.3407% | 2,932 |
| Credit loss provision to net charge-offs | 91.3978% | 3,417 |
| Earnings coverage of net charge-offs (x) | 9.2120% | 2,290 |
| Efficiency ratio | 57.0313% | 5,951 |
| Assets per employee ($millions) | 3.4289% | 5,151 |
| Cash dividends to net income (ytd only)* | 99.5188% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 6,323 |
| Loan loss allowance to noncurrent loans | 84.6680% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 3,932 |
| Noncurrent loans to loans | 1.0357% | 4,141 |
| Net loans and leases to total assets | 73.4675% | 1,264 |
| Net loans and leases to deposits | 87.7742% | 1,301 |
| Net loans and leases to core deposits | 89.8791% | 1,848 |
| Total domestic deposits to total assets | 83.7006% | 4,446 |
| Equity capital to assets | 9.6143% | 4,722 |
| Core capital (leverage) ratio | 8.7212% | 5,294 |
| Tier 1 risk-based capital ratio | 11.5141% | 6,095 |
| Total risk-based capital ratio | 12.3991% | 6,260 |
| Memoranda: | ||
| Average total assets | $2,831,046,800 | 258 |
| Average earning assets | $2,460,973,000 | 265 |
| Average equity | $274,804,000 | 294 |
| Average total loans | $2,047,549,200 | 240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 3,567 |
| Cost of funding earning assets | 0.6087% | 4,556 |
| Net interest margin | 3.9084% | 2,890 |
| Noninterest income to average assets | 1.8639% | 462 |
| Noninterest expense to average assets | 3.0864% | 2,924 |
| Loan and lease loss provision to assets | 0.2179% | 2,882 |
| Net operating income to assets | 1.2892% | 1,472 |
| Return on assets (ROA) | 1.3169% | 1,540 |
| Pretax return on assets | 1.9777% | 736 |
| Return on Equity (ROE) | 13.5332% | 1,215 |
| Retained earnings to average equity (ytd only) | 2.4982% | 5,076 |
| Net charge-offs to loans | 0.3310% | 2,807 |
| Credit loss provision to net charge-offs | 91.5787% | 3,246 |
| Earnings coverage of net charge-offs (x) | 9.1232% | 2,363 |
| Efficiency ratio | 58.4052% | 5,734 |
| Assets per employee ($millions) | 3.4373% | 5,125 |
| Cash dividends to net income (ytd only)* | 81.5400% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,352 |
| Loan loss allowance to noncurrent loans | 82.6053% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,075 |
| Noncurrent loans to loans | 1.1025% | 4,221 |
| Net loans and leases to total assets | 71.7997% | 1,587 |
| Net loans and leases to deposits | 86.6631% | 1,520 |
| Net loans and leases to core deposits | 88.8140% | 2,120 |
| Total domestic deposits to total assets | 82.8492% | 4,707 |
| Equity capital to assets | 9.8934% | 4,649 |
| Core capital (leverage) ratio | 9.0226% | 5,031 |
| Tier 1 risk-based capital ratio | 12.0326% | 5,923 |
| Total risk-based capital ratio | 12.9429% | 6,101 |
| Memoranda: | ||
| Average total assets | $2,815,314,500 | 261 |
| Average earning assets | $2,443,907,000 | 266 |
| Average equity | $273,946,250 | 297 |
| Average total loans | $2,023,201,250 | 246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 3,740 |
| Cost of funding earning assets | 0.6265% | 4,662 |
| Net interest margin | 3.8796% | 3,002 |
| Noninterest income to average assets | 1.8613% | 442 |
| Noninterest expense to average assets | 3.1244% | 2,832 |
| Loan and lease loss provision to assets | 0.2594% | 2,501 |
| Net operating income to assets | 1.2147% | 1,660 |
| Return on assets (ROA) | 1.2385% | 1,774 |
| Pretax return on assets | 1.8554% | 928 |
| Return on Equity (ROE) | 12.8011% | 1,414 |
| Retained earnings to average equity (ytd only) | -1.7501% | 6,323 |
| Net charge-offs to loans | 0.3577% | 2,586 |
| Credit loss provision to net charge-offs | 101.2004% | 2,687 |
| Earnings coverage of net charge-offs (x) | 8.1748% | 2,353 |
| Efficiency ratio | 59.5720% | 5,642 |
| Assets per employee ($millions) | 3.4544% | 5,083 |
| Cash dividends to net income (ytd only)* | 113.6716% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 6,346 |
| Loan loss allowance to noncurrent loans | 82.7674% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 4,150 |
| Noncurrent loans to loans | 1.1383% | 4,252 |
| Net loans and leases to total assets | 71.1621% | 1,706 |
| Net loans and leases to deposits | 85.2902% | 1,689 |
| Net loans and leases to core deposits | 87.4520% | 2,261 |
| Total domestic deposits to total assets | 83.4353% | 4,560 |
| Equity capital to assets | 9.5953% | 4,920 |
| Core capital (leverage) ratio | 8.8986% | 5,051 |
| Tier 1 risk-based capital ratio | 11.3889% | 6,288 |
| Total risk-based capital ratio | 12.3114% | 6,439 |
| Memoranda: | ||
| Average total assets | $2,794,749,000 | 264 |
| Average earning assets | $2,419,451,000 | 272 |
| Average equity | $270,384,000 | 298 |
| Average total loans | $2,002,711,670 | 248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 3,599 |
| Cost of funding earning assets | 0.6628% | 4,608 |
| Net interest margin | 3.9163% | 2,853 |
| Noninterest income to average assets | 1.9199% | 435 |
| Noninterest expense to average assets | 2.8233% | 3,932 |
| Loan and lease loss provision to assets | 0.2831% | 2,205 |
| Net operating income to assets | 1.4492% | 1,121 |
| Return on assets (ROA) | 1.4822% | 1,178 |
| Pretax return on assets | 2.2255% | 515 |
| Return on Equity (ROE) | 15.2550% | 928 |
| Retained earnings to average equity (ytd only) | 6.2894% | 2,800 |
| Net charge-offs to loans | 0.5540% | 1,699 |
| Credit loss provision to net charge-offs | 71.4024% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.2439% | 2,239 |
| Efficiency ratio | 53.0111% | 6,434 |
| Assets per employee ($millions) | 3.4506% | 5,232 |
| Cash dividends to net income (ytd only)* | 58.7717% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,432 |
| Loan loss allowance to noncurrent loans | 88.7851% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0602% | 4,370 |
| Noncurrent loans to loans | 1.0644% | 4,577 |
| Net loans and leases to total assets | 70.8187% | 1,607 |
| Net loans and leases to deposits | 84.7879% | 1,565 |
| Net loans and leases to core deposits | 87.0409% | 2,175 |
| Total domestic deposits to total assets | 83.5245% | 4,705 |
| Equity capital to assets | 9.7929% | 4,385 |
| Core capital (leverage) ratio | 9.4541% | 4,111 |
| Tier 1 risk-based capital ratio | 12.3496% | 5,720 |
| Total risk-based capital ratio | 13.2696% | 5,936 |
| Memoranda: | ||
| Average total assets | $2,755,099,500 | 263 |
| Average earning assets | $2,377,114,000 | 271 |
| Average equity | $267,689,500 | 297 |
| Average total loans | $1,971,724,500 | 246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 3,777 |
| Cost of funding earning assets | 0.8949% | 4,163 |
| Net interest margin | 3.9126% | 3,282 |
| Noninterest income to average assets | 1.9657% | 389 |
| Noninterest expense to average assets | 3.0226% | 3,509 |
| Loan and lease loss provision to assets | 0.1718% | 4,483 |
| Net operating income to assets | 1.4438% | 935 |
| Return on assets (ROA) | 1.5616% | 783 |
| Pretax return on assets | 2.3341% | 278 |
| Return on Equity (ROE) | 15.8580% | 622 |
| Retained earnings to average equity (ytd only) | -0.6371% | 5,952 |
| Net charge-offs to loans | 0.1792% | 4,715 |
| Credit loss provision to net charge-offs | 134.6999% | 2,237 |
| Earnings coverage of net charge-offs (x) | 18.3892% | 1,223 |
| Efficiency ratio | 56.0286% | 6,313 |
| Assets per employee ($millions) | 3.4544% | 5,129 |
| Cash dividends to net income (ytd only)* | 104.0172% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 6,289 |
| Loan loss allowance to noncurrent loans | 87.7560% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 4,433 |
| Noncurrent loans to loans | 1.1214% | 4,480 |
| Net loans and leases to total assets | 70.9335% | 1,835 |
| Net loans and leases to deposits | 87.8454% | 1,401 |
| Net loans and leases to core deposits | 89.9924% | 2,134 |
| Total domestic deposits to total assets | 80.7481% | 5,528 |
| Equity capital to assets | 9.6393% | 4,690 |
| Core capital (leverage) ratio | 9.3219% | 4,292 |
| Tier 1 risk-based capital ratio | 12.0259% | 5,821 |
| Total risk-based capital ratio | 12.9866% | 5,989 |
| Memoranda: | ||
| Average total assets | $2,678,088,600 | 269 |
| Average earning assets | $2,328,504,000 | 271 |
| Average equity | $263,715,000 | 294 |
| Average total loans | $1,905,555,800 | 245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 3,784 |
| Cost of funding earning assets | 0.9501% | 4,043 |
| Net interest margin | 3.8992% | 3,383 |
| Noninterest income to average assets | 1.9761% | 387 |
| Noninterest expense to average assets | 3.1180% | 3,096 |
| Loan and lease loss provision to assets | 0.1189% | 4,951 |
| Net operating income to assets | 1.4286% | 1,102 |
| Return on assets (ROA) | 1.5753% | 884 |
| Pretax return on assets | 2.3592% | 326 |
| Return on Equity (ROE) | 15.9101% | 698 |
| Retained earnings to average equity (ytd only) | -1.3070% | 6,204 |
| Net charge-offs to loans | 0.0528% | 5,447 |
| Credit loss provision to net charge-offs | 317.1123% | 886 |
| Earnings coverage of net charge-offs (x) | 60.6242% | 546 |
| Efficiency ratio | 57.5454% | 6,078 |
| Assets per employee ($millions) | 3.3517% | 5,361 |
| Cash dividends to net income (ytd only)* | 108.2148% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 6,120 |
| Loan loss allowance to noncurrent loans | 87.2708% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 4,458 |
| Noncurrent loans to loans | 1.1813% | 4,570 |
| Net loans and leases to total assets | 71.5987% | 1,796 |
| Net loans and leases to deposits | 86.7788% | 1,580 |
| Net loans and leases to core deposits | 88.8350% | 2,384 |
| Total domestic deposits to total assets | 82.5072% | 4,876 |
| Equity capital to assets | 9.9207% | 4,447 |
| Core capital (leverage) ratio | 9.1803% | 4,659 |
| Tier 1 risk-based capital ratio | 12.0983% | 5,821 |
| Total risk-based capital ratio | 13.1001% | 5,983 |
| Memoranda: | ||
| Average total assets | $2,659,319,500 | 268 |
| Average earning assets | $2,329,320,500 | 270 |
| Average equity | $263,297,250 | 297 |
| Average total loans | $1,888,863,500 | 244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 3,793 |
| Cost of funding earning assets | 1.0128% | 3,867 |
| Net interest margin | 3.8501% | 3,535 |
| Noninterest income to average assets | 1.9701% | 366 |
| Noninterest expense to average assets | 3.2050% | 2,881 |
| Loan and lease loss provision to assets | 0.1784% | 4,135 |
| Net operating income to assets | 1.2954% | 1,334 |
| Return on assets (ROA) | 1.4846% | 978 |
| Pretax return on assets | 2.2267% | 394 |
| Return on Equity (ROE) | 15.0050% | 804 |
| Retained earnings to average equity (ytd only) | -4.0021% | 6,473 |
| Net charge-offs to loans | 0.1761% | 4,113 |
| Credit loss provision to net charge-offs | 143.5835% | 2,129 |
| Earnings coverage of net charge-offs (x) | 17.1870% | 1,311 |
| Efficiency ratio | 59.7214% | 5,914 |
| Assets per employee ($millions) | 3.3816% | 5,249 |
| Cash dividends to net income (ytd only)* | 126.6721% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 6,343 |
| Loan loss allowance to noncurrent loans | 81.0751% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 4,555 |
| Noncurrent loans to loans | 1.2319% | 4,603 |
| Net loans and leases to total assets | 69.8493% | 2,247 |
| Net loans and leases to deposits | 83.9775% | 2,112 |
| Net loans and leases to core deposits | 86.0672% | 2,894 |
| Total domestic deposits to total assets | 83.1763% | 4,688 |
| Equity capital to assets | 9.7023% | 4,533 |
| Core capital (leverage) ratio | 9.0540% | 4,642 |
| Tier 1 risk-based capital ratio | 12.0934% | 5,713 |
| Total risk-based capital ratio | 13.0595% | 5,916 |
| Memoranda: | ||
| Average total assets | $2,658,686,000 | 273 |
| Average earning assets | $2,327,624,330 | 271 |
| Average equity | $263,059,000 | 296 |
| Average total loans | $1,876,735,670 | 248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 3,454 |
| Cost of funding earning assets | 1.0315% | 3,981 |
| Net interest margin | 3.8932% | 3,175 |
| Noninterest income to average assets | 1.9110% | 387 |
| Noninterest expense to average assets | 2.9817% | 3,720 |
| Loan and lease loss provision to assets | 0.1643% | 3,988 |
| Net operating income to assets | 1.4388% | 1,002 |
| Return on assets (ROA) | 1.4727% | 967 |
| Pretax return on assets | 2.2086% | 397 |
| Return on Equity (ROE) | 14.7388% | 866 |
| Retained earnings to average equity (ytd only) | -7.2165% | 6,693 |
| Net charge-offs to loans | 0.1920% | 3,353 |
| Credit loss provision to net charge-offs | 121.2054% | 2,254 |
| Earnings coverage of net charge-offs (x) | 17.2545% | 1,226 |
| Efficiency ratio | 55.7495% | 6,528 |
| Assets per employee ($millions) | 3.3599% | 5,339 |
| Cash dividends to net income (ytd only)* | 148.9624% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 6,451 |
| Loan loss allowance to noncurrent loans | 72.1439% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 4,506 |
| Noncurrent loans to loans | 1.3656% | 4,426 |
| Net loans and leases to total assets | 69.1959% | 2,287 |
| Net loans and leases to deposits | 82.9839% | 2,188 |
| Net loans and leases to core deposits | 84.9939% | 3,034 |
| Total domestic deposits to total assets | 83.3847% | 4,749 |
| Equity capital to assets | 9.7925% | 4,043 |
| Core capital (leverage) ratio | 9.2552% | 4,201 |
| Tier 1 risk-based capital ratio | 12.2516% | 5,474 |
| Total risk-based capital ratio | 13.1974% | 5,727 |
| Memoranda: | ||
| Average total assets | $2,643,851,500 | 274 |
| Average earning assets | $2,315,522,000 | 275 |
| Average equity | $264,173,000 | 290 |
| Average total loans | $1,866,732,500 | 250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2920% | 3,166 |
| Cost of funding earning assets | 1.2140% | 4,465 |
| Net interest margin | 4.0779% | 2,670 |
| Noninterest income to average assets | 2.0116% | 391 |
| Noninterest expense to average assets | 2.9578% | 4,008 |
| Loan and lease loss provision to assets | 0.2716% | 4,636 |
| Net operating income to assets | 1.5632% | 668 |
| Return on assets (ROA) | 1.5619% | 731 |
| Pretax return on assets | 2.3212% | 245 |
| Return on Equity (ROE) | 15.8501% | 601 |
| Retained earnings to average equity (ytd only) | 10.1775% | 486 |
| Net charge-offs to loans | 0.4064% | 4,014 |
| Credit loss provision to net charge-offs | 95.7220% | 4,859 |
| Earnings coverage of net charge-offs (x) | 9.2066% | 1,854 |
| Efficiency ratio | 52.8046% | 6,914 |
| Assets per employee ($millions) | 3.2462% | 5,550 |
| Cash dividends to net income (ytd only)* | 35.7887% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 6,467 |
| Loan loss allowance to noncurrent loans | 156.4023% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 5,405 |
| Noncurrent loans to loans | 0.6250% | 5,800 |
| Net loans and leases to total assets | 70.6482% | 2,383 |
| Net loans and leases to deposits | 84.9586% | 2,289 |
| Net loans and leases to core deposits | 87.1018% | 3,171 |
| Total domestic deposits to total assets | 83.1561% | 4,730 |
| Equity capital to assets | 10.1961% | 3,512 |
| Core capital (leverage) ratio | 9.6239% | 3,519 |
| Tier 1 risk-based capital ratio | 12.6720% | 4,880 |
| Total risk-based capital ratio | 13.6134% | 5,118 |
| Memoranda: | ||
| Average total assets | $2,611,929,000 | 274 |
| Average earning assets | $2,278,988,800 | 281 |
| Average equity | $257,380,800 | 294 |
| Average total loans | $1,823,321,000 | 261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 3,053 |
| Cost of funding earning assets | 1.2504% | 4,570 |
| Net interest margin | 4.1138% | 2,561 |
| Noninterest income to average assets | 2.0153% | 371 |
| Noninterest expense to average assets | 3.0120% | 3,698 |
| Loan and lease loss provision to assets | 0.2425% | 4,659 |
| Net operating income to assets | 1.5599% | 807 |
| Return on assets (ROA) | 1.5493% | 906 |
| Pretax return on assets | 2.3145% | 324 |
| Return on Equity (ROE) | 15.8597% | 723 |
| Retained earnings to average equity (ytd only) | 8.2293% | 1,344 |
| Net charge-offs to loans | 0.3623% | 3,850 |
| Credit loss provision to net charge-offs | 96.4076% | 4,498 |
| Earnings coverage of net charge-offs (x) | 10.3012% | 1,899 |
| Efficiency ratio | 53.4569% | 6,836 |
| Assets per employee ($millions) | 3.2453% | 5,584 |
| Cash dividends to net income (ytd only)* | 48.1118% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 6,366 |
| Loan loss allowance to noncurrent loans | 160.3983% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 5,248 |
| Noncurrent loans to loans | 0.6273% | 5,950 |
| Net loans and leases to total assets | 69.5033% | 2,849 |
| Net loans and leases to deposits | 83.6208% | 2,773 |
| Net loans and leases to core deposits | 85.7253% | 3,696 |
| Total domestic deposits to total assets | 83.1173% | 4,543 |
| Equity capital to assets | 10.0641% | 4,073 |
| Core capital (leverage) ratio | 9.1226% | 4,495 |
| Tier 1 risk-based capital ratio | 12.1747% | 5,295 |
| Total risk-based capital ratio | 13.1371% | 5,540 |
| Memoranda: | ||
| Average total assets | $2,611,606,250 | 272 |
| Average earning assets | $2,277,703,500 | 277 |
| Average equity | $255,114,250 | 292 |
| Average total loans | $1,813,046,750 | 265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4345% | 2,823 |
| Cost of funding earning assets | 1.2753% | 4,682 |
| Net interest margin | 4.1591% | 2,294 |
| Noninterest income to average assets | 2.0232% | 349 |
| Noninterest expense to average assets | 3.0162% | 3,649 |
| Loan and lease loss provision to assets | 0.2220% | 4,678 |
| Net operating income to assets | 1.5938% | 734 |
| Return on assets (ROA) | 1.5465% | 877 |
| Pretax return on assets | 2.3241% | 320 |
| Return on Equity (ROE) | 15.9923% | 701 |
| Retained earnings to average equity (ytd only) | 12.1971% | 463 |
| Net charge-offs to loans | 0.2198% | 4,282 |
| Credit loss provision to net charge-offs | 146.0262% | 2,712 |
| Earnings coverage of net charge-offs (x) | 17.3375% | 1,351 |
| Efficiency ratio | 53.0738% | 6,971 |
| Assets per employee ($millions) | 3.2182% | 5,639 |
| Cash dividends to net income (ytd only)* | 23.7318% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,128 |
| Loan loss allowance to noncurrent loans | 177.7940% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 5,308 |
| Noncurrent loans to loans | 0.5970% | 6,049 |
| Net loans and leases to total assets | 69.4010% | 3,038 |
| Net loans and leases to deposits | 83.3387% | 3,005 |
| Net loans and leases to core deposits | 85.3834% | 3,920 |
| Total domestic deposits to total assets | 83.2758% | 4,453 |
| Equity capital to assets | 10.0120% | 4,014 |
| Core capital (leverage) ratio | 9.0548% | 4,515 |
| Tier 1 risk-based capital ratio | 12.1306% | 5,186 |
| Total risk-based capital ratio | 13.1492% | 5,377 |
| Memoranda: | ||
| Average total assets | $2,615,633,330 | 272 |
| Average earning assets | $2,281,913,330 | 277 |
| Average equity | $252,946,000 | 293 |
| Average total loans | $1,809,022,330 | 268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 3,212 |
| Cost of funding earning assets | 1.3102% | 4,754 |
| Net interest margin | 4.0552% | 2,629 |
| Noninterest income to average assets | 1.9786% | 344 |
| Noninterest expense to average assets | 2.9958% | 3,694 |
| Loan and lease loss provision to assets | 0.1651% | 4,879 |
| Net operating income to assets | 1.5548% | 814 |
| Return on assets (ROA) | 1.4489% | 1,060 |
| Pretax return on assets | 2.1719% | 445 |
| Return on Equity (ROE) | 15.2516% | 830 |
| Retained earnings to average equity (ytd only) | 15.2516% | 391 |
| Net charge-offs to loans | 0.1747% | 3,877 |
| Credit loss provision to net charge-offs | 137.5796% | 2,570 |
| Earnings coverage of net charge-offs (x) | 20.9605% | 1,140 |
| Efficiency ratio | 54.0593% | 6,968 |
| Assets per employee ($millions) | 3.2291% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 6,212 |
| Loan loss allowance to noncurrent loans | 132.6207% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 5,243 |
| Noncurrent loans to loans | 0.7944% | 5,730 |
| Net loans and leases to total assets | 67.7399% | 3,451 |
| Net loans and leases to deposits | 80.6571% | 3,523 |
| Net loans and leases to core deposits | 82.5119% | 4,414 |
| Total domestic deposits to total assets | 83.9851% | 4,153 |
| Equity capital to assets | 9.6519% | 4,303 |
| Core capital (leverage) ratio | 8.8222% | 4,832 |
| Tier 1 risk-based capital ratio | 11.8018% | 5,392 |
| Total risk-based capital ratio | 12.7990% | 5,603 |
| Memoranda: | ||
| Average total assets | $2,616,860,000 | 282 |
| Average earning assets | $2,279,429,500 | 288 |
| Average equity | $248,603,500 | 299 |
| Average total loans | $1,797,019,500 | 280 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 2,566 |
| Cost of funding earning assets | 1.6315% | 4,879 |
| Net interest margin | 4.1908% | 2,100 |
| Noninterest income to average assets | 2.2347% | 319 |
| Noninterest expense to average assets | 2.9617% | 4,295 |
| Loan and lease loss provision to assets | 0.2737% | 5,220 |
| Net operating income to assets | 1.7640% | 387 |
| Return on assets (ROA) | 1.6832% | 487 |
| Pretax return on assets | 2.5030% | 157 |
| Return on Equity (ROE) | 18.3056% | 343 |
| Retained earnings to average equity (ytd only) | 2.4729% | 3,410 |
| Net charge-offs to loans | 0.5912% | 3,445 |
| Credit loss provision to net charge-offs | 66.4029% | 6,551 |
| Earnings coverage of net charge-offs (x) | 7.0741% | 2,225 |
| Efficiency ratio | 50.0809% | 7,536 |
| Assets per employee ($millions) | 3.2163% | 5,687 |
| Cash dividends to net income (ytd only)* | 86.4912% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 6,164 |
| Loan loss allowance to noncurrent loans | 133.0699% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 5,127 |
| Noncurrent loans to loans | 0.7835% | 5,706 |
| Net loans and leases to total assets | 68.1647% | 3,668 |
| Net loans and leases to deposits | 81.3705% | 3,724 |
| Net loans and leases to core deposits | 93.6912% | 4,705 |
| Total domestic deposits to total assets | 83.7708% | 4,138 |
| Equity capital to assets | 9.3465% | 4,636 |
| Core capital (leverage) ratio | 8.4053% | 5,425 |
| Tier 1 risk-based capital ratio | 11.2634% | 5,649 |
| Total risk-based capital ratio | 12.2498% | 5,880 |
| Memoranda: | ||
| Average total assets | $2,575,832,800 | 286 |
| Average earning assets | $2,239,073,800 | 297 |
| Average equity | $236,850,800 | 299 |
| Average total loans | $1,795,887,000 | 289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8981% | 2,460 |
| Cost of funding earning assets | 1.6833% | 4,983 |
| Net interest margin | 4.2148% | 1,990 |
| Noninterest income to average assets | 2.2536% | 311 |
| Noninterest expense to average assets | 2.9772% | 4,132 |
| Loan and lease loss provision to assets | 0.2841% | 4,700 |
| Net operating income to assets | 1.7493% | 506 |
| Return on assets (ROA) | 1.6622% | 639 |
| Pretax return on assets | 2.5075% | 189 |
| Return on Equity (ROE) | 18.1527% | 438 |
| Retained earnings to average equity (ytd only) | 5.6848% | 2,109 |
| Net charge-offs to loans | 0.5991% | 2,880 |
| Credit loss provision to net charge-offs | 67.8103% | 6,025 |
| Earnings coverage of net charge-offs (x) | 7.0249% | 2,489 |
| Efficiency ratio | 49.9776% | 7,555 |
| Assets per employee ($millions) | 3.1597% | 5,757 |
| Cash dividends to net income (ytd only)* | 68.6835% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,768 |
| Loan loss allowance to noncurrent loans | 118.8906% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 4,833 |
| Noncurrent loans to loans | 0.9198% | 5,449 |
| Net loans and leases to total assets | 69.1165% | 3,689 |
| Net loans and leases to deposits | 83.4015% | 3,755 |
| Net loans and leases to core deposits | 96.9120% | 4,715 |
| Total domestic deposits to total assets | 82.8720% | 4,287 |
| Equity capital to assets | 9.5632% | 4,658 |
| Core capital (leverage) ratio | 8.2405% | 5,944 |
| Tier 1 risk-based capital ratio | 11.0879% | 5,863 |
| Total risk-based capital ratio | 12.1319% | 6,034 |
| Memoranda: | ||
| Average total assets | $2,569,298,250 | 299 |
| Average earning assets | $2,235,353,750 | 310 |
| Average equity | $235,265,500 | 311 |
| Average total loans | $1,796,780,500 | 300 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9785% | 2,272 |
| Cost of funding earning assets | 1.7241% | 5,157 |
| Net interest margin | 4.2544% | 1,802 |
| Noninterest income to average assets | 2.2538% | 308 |
| Noninterest expense to average assets | 3.0225% | 4,000 |
| Loan and lease loss provision to assets | 0.2959% | 4,193 |
| Net operating income to assets | 1.7175% | 542 |
| Return on assets (ROA) | 1.6430% | 690 |
| Pretax return on assets | 2.4970% | 218 |
| Return on Equity (ROE) | 18.2132% | 474 |
| Retained earnings to average equity (ytd only) | 7.8550% | 1,257 |
| Net charge-offs to loans | 0.5654% | 2,632 |
| Credit loss provision to net charge-offs | 74.8179% | 5,327 |
| Earnings coverage of net charge-offs (x) | 7.4054% | 2,446 |
| Efficiency ratio | 50.4795% | 7,637 |
| Assets per employee ($millions) | 3.1263% | 5,790 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 5,119 |
| Loan loss allowance to noncurrent loans | 96.7973% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 4,496 |
| Noncurrent loans to loans | 1.2131% | 4,790 |
| Net loans and leases to total assets | 67.9479% | 4,158 |
| Net loans and leases to deposits | 82.3394% | 4,167 |
| Net loans and leases to core deposits | 95.5070% | 4,959 |
| Total domestic deposits to total assets | 82.5218% | 4,467 |
| Equity capital to assets | 9.2105% | 4,999 |
| Core capital (leverage) ratio | 8.0888% | 6,181 |
| Tier 1 risk-based capital ratio | 10.7346% | 6,155 |
| Total risk-based capital ratio | 11.8519% | 6,230 |
| Memoranda: | ||
| Average total assets | $2,568,410,670 | 305 |
| Average earning assets | $2,232,157,000 | 320 |
| Average equity | $231,700,330 | 317 |
| Average total loans | $1,796,605,670 | 308 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1553% | 1,741 |
| Cost of funding earning assets | 1.7629% | 5,300 |
| Net interest margin | 4.3924% | 1,362 |
| Noninterest income to average assets | 2.2520% | 296 |
| Noninterest expense to average assets | 2.9148% | 4,108 |
| Loan and lease loss provision to assets | 0.2585% | 3,898 |
| Net operating income to assets | 1.8745% | 457 |
| Return on assets (ROA) | 1.7078% | 703 |
| Pretax return on assets | 2.6126% | 209 |
| Return on Equity (ROE) | 19.1359% | 492 |
| Retained earnings to average equity (ytd only) | -1.9254% | 6,089 |
| Net charge-offs to loans | 0.4271% | 2,391 |
| Credit loss provision to net charge-offs | 85.7588% | 4,090 |
| Earnings coverage of net charge-offs (x) | 10.4569% | 1,952 |
| Efficiency ratio | 47.7470% | 7,740 |
| Assets per employee ($millions) | 3.0775% | 5,958 |
| Cash dividends to net income (ytd only)* | 110.0615% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 4,606 |
| Loan loss allowance to noncurrent loans | 107.4449% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 4,537 |
| Noncurrent loans to loans | 1.1420% | 4,708 |
| Net loans and leases to total assets | 69.2659% | 3,856 |
| Net loans and leases to deposits | 83.0159% | 4,128 |
| Net loans and leases to core deposits | 96.1959% | 4,947 |
| Total domestic deposits to total assets | 83.4369% | 3,941 |
| Equity capital to assets | 8.8514% | 5,549 |
| Core capital (leverage) ratio | 7.6737% | 6,922 |
| Tier 1 risk-based capital ratio | 10.0803% | 6,828 |
| Total risk-based capital ratio | 11.2578% | 6,817 |
| Memoranda: | ||
| Average total assets | $2,553,626,000 | 307 |
| Average earning assets | $2,217,463,500 | 322 |
| Average equity | $227,906,500 | 326 |
| Average total loans | $1,801,784,000 | 311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7725% | 1,782 |
| Cost of funding earning assets | 2.1474% | 5,846 |
| Net interest margin | 4.6251% | 1,110 |
| Noninterest income to average assets | 2.3931% | 269 |
| Noninterest expense to average assets | 2.9654% | 4,202 |
| Loan and lease loss provision to assets | 0.4205% | 3,179 |
| Net operating income to assets | 2.2086% | 234 |
| Return on assets (ROA) | 1.1393% | 1,910 |
| Pretax return on assets | 1.5624% | 1,509 |
| Return on Equity (ROE) | 11.8001% | 1,655 |
| Retained earnings to average equity (ytd only) | -3.8270% | 6,286 |
| Net charge-offs to loans | 0.3263% | 3,220 |
| Credit loss provision to net charge-offs | 181.2696% | 2,771 |
| Earnings coverage of net charge-offs (x) | 14.8630% | 1,993 |
| Efficiency ratio | 45.8382% | 7,937 |
| Assets per employee ($millions) | 3.0907% | 5,802 |
| Cash dividends to net income (ytd only)* | 132.4316% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 4,330 |
| Loan loss allowance to noncurrent loans | 86.0690% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 3,933 |
| Noncurrent loans to loans | 1.4267% | 3,665 |
| Net loans and leases to total assets | 70.1179% | 3,989 |
| Net loans and leases to deposits | 87.6398% | 3,848 |
| Net loans and leases to core deposits | 100.5375% | 4,773 |
| Total domestic deposits to total assets | 80.0069% | 5,023 |
| Equity capital to assets | 8.9983% | 5,369 |
| Core capital (leverage) ratio | 7.9730% | 6,536 |
| Tier 1 risk-based capital ratio | 10.2742% | 6,445 |
| Total risk-based capital ratio | 11.4757% | 6,355 |
| Memoranda: | ||
| Average total assets | $2,478,816,000 | 304 |
| Average earning assets | $2,154,545,200 | 311 |
| Average equity | $239,328,800 | 317 |
| Average total loans | $1,762,314,800 | 311 |