Home > Columbia Bank > Performance and Condition Ratios
Columbia Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 3,605 |
| Cost of funding earning assets | 2.5644% | 758 |
| Net interest margin | 2.1402% | 4,243 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 1.6265% | 4,111 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 0.3327% | 3,823 |
| Return on assets (ROA) | 0.3419% | 3,832 |
| Pretax return on assets | 0.4616% | 3,768 |
| Return on Equity (ROE) | 3.4200% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.4187% | 2,990 |
| Net charge-offs to loans | 0.0430% | 1,237 |
| Credit loss provision to net charge-offs | 342.2404% | 662 |
| Earnings coverage of net charge-offs (x) | 17.8040% | 1,473 |
| Efficiency ratio | 73.7456% | 1,457 |
| Assets per employee ($millions) | 14.3738% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 3,928 |
| Loan loss allowance to noncurrent loans | 248.3546% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 2,297 |
| Noncurrent loans to loans | 0.3110% | 2,383 |
| Net loans and leases to total assets | 75.1300% | 1,195 |
| Net loans and leases to deposits | 96.5627% | 585 |
| Net loans and leases to core deposits | 106.0177% | 1,027 |
| Total domestic deposits to total assets | 77.8000% | 3,836 |
| Equity capital to assets | 10.0186% | 2,211 |
| Core capital (leverage) ratio | 9.8831% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3722% | 1,728 |
| Memoranda: | ||
| Average total assets | $10,540,078,000 | 157 |
| Average earning assets | $9,587,604,000 | 153 |
| Average equity | $1,054,087,500 | 172 |
| Average total loans | $7,976,047,000 | 143 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 3,607 |
| Cost of funding earning assets | 2.7812% | 727 |
| Net interest margin | 1.9112% | 4,290 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 1.6832% | 4,105 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.1533% | 4,036 |
| Return on assets (ROA) | -0.0939% | 4,261 |
| Pretax return on assets | -0.1329% | 4,257 |
| Return on Equity (ROE) | -0.9800% | 4,243 |
| Retained earnings to average equity (ytd only) | -0.9789% | 4,089 |
| Net charge-offs to loans | 0.1220% | 1,032 |
| Credit loss provision to net charge-offs | 150.7196% | 1,411 |
| Earnings coverage of net charge-offs (x) | 3.3295% | 2,760 |
| Efficiency ratio | 84.8604% | 742 |
| Assets per employee ($millions) | 14.2869% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 3,971 |
| Loan loss allowance to noncurrent loans | 257.7065% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 2,330 |
| Noncurrent loans to loans | 0.2937% | 2,386 |
| Net loans and leases to total assets | 75.0600% | 1,273 |
| Net loans and leases to deposits | 96.4501% | 679 |
| Net loans and leases to core deposits | 105.8440% | 1,133 |
| Total domestic deposits to total assets | 77.8200% | 3,800 |
| Equity capital to assets | 9.9827% | 2,145 |
| Core capital (leverage) ratio | 9.6447% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4052% | 1,716 |
| Memoranda: | ||
| Average total assets | $10,630,500,400 | 159 |
| Average earning assets | $9,668,701,800 | 151 |
| Average equity | $1,019,594,000 | 175 |
| Average total loans | $7,860,644,000 | 148 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 3,596 |
| Cost of funding earning assets | 2.7897% | 720 |
| Net interest margin | 1.8855% | 4,321 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.6923% | 4,088 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.1291% | 4,082 |
| Return on assets (ROA) | 0.1197% | 4,124 |
| Pretax return on assets | 0.1355% | 4,118 |
| Return on Equity (ROE) | 1.2800% | 4,102 |
| Retained earnings to average equity (ytd only) | 1.2831% | 3,644 |
| Net charge-offs to loans | 0.1420% | 775 |
| Credit loss provision to net charge-offs | 146.4163% | 1,314 |
| Earnings coverage of net charge-offs (x) | 2.6025% | 2,580 |
| Efficiency ratio | 86.0972% | 700 |
| Assets per employee ($millions) | 14.1501% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 4,022 |
| Loan loss allowance to noncurrent loans | 195.2150% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 2,000 |
| Noncurrent loans to loans | 0.3817% | 2,131 |
| Net loans and leases to total assets | 73.5800% | 1,422 |
| Net loans and leases to deposits | 98.0192% | 586 |
| Net loans and leases to core deposits | 107.1746% | 1,069 |
| Total domestic deposits to total assets | 75.0600% | 4,000 |
| Equity capital to assets | 9.5854% | 2,598 |
| Core capital (leverage) ratio | 9.6222% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4410% | 1,729 |
| Memoranda: | ||
| Average total assets | $10,381,821,750 | 157 |
| Average earning assets | $9,445,983,500 | 155 |
| Average equity | $968,688,750 | 181 |
| Average total loans | $7,676,116,750 | 153 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 3,627 |
| Cost of funding earning assets | 2.7526% | 710 |
| Net interest margin | 1.8557% | 4,345 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 1.7268% | 4,046 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.0867% | 4,141 |
| Return on assets (ROA) | 0.0722% | 4,179 |
| Pretax return on assets | 0.0764% | 4,179 |
| Return on Equity (ROE) | 0.7800% | 4,166 |
| Retained earnings to average equity (ytd only) | 0.7805% | 3,654 |
| Net charge-offs to loans | 0.1437% | 689 |
| Credit loss provision to net charge-offs | 136.7599% | 1,266 |
| Earnings coverage of net charge-offs (x) | 1.9573% | 2,432 |
| Efficiency ratio | 89.2575% | 596 |
| Assets per employee ($millions) | 14.1046% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 4,062 |
| Loan loss allowance to noncurrent loans | 218.8710% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 2,120 |
| Noncurrent loans to loans | 0.3331% | 2,194 |
| Net loans and leases to total assets | 72.5400% | 1,583 |
| Net loans and leases to deposits | 99.1429% | 589 |
| Net loans and leases to core deposits | 107.4879% | 1,076 |
| Total domestic deposits to total assets | 73.1600% | 4,117 |
| Equity capital to assets | 9.2431% | 2,580 |
| Core capital (leverage) ratio | 9.4179% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3233% | 1,768 |
| Memoranda: | ||
| Average total assets | $10,370,931,333 | 157 |
| Average earning assets | $9,439,193,333 | 154 |
| Average equity | $958,827,667 | 180 |
| Average total loans | $7,661,428,667 | 153 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 3,638 |
| Cost of funding earning assets | 2.7041% | 712 |
| Net interest margin | 1.8206% | 4,380 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 1.7416% | 4,035 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | -0.0234% | 4,304 |
| Return on assets (ROA) | -0.0544% | 4,310 |
| Pretax return on assets | -0.0620% | 4,296 |
| Return on Equity (ROE) | -0.5900% | 4,289 |
| Retained earnings to average equity (ytd only) | -0.5879% | 3,803 |
| Net charge-offs to loans | 0.2594% | 357 |
| Credit loss provision to net charge-offs | 108.6467% | 1,102 |
| Earnings coverage of net charge-offs (x) | 0.7790% | 2,094 |
| Efficiency ratio | 92.0652% | 508 |
| Assets per employee ($millions) | 14.0276% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 4,102 |
| Loan loss allowance to noncurrent loans | 233.8875% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 2,242 |
| Noncurrent loans to loans | 0.3032% | 2,229 |
| Net loans and leases to total assets | 73.5500% | 1,395 |
| Net loans and leases to deposits | 98.4607% | 564 |
| Net loans and leases to core deposits | 106.7361% | 1,069 |
| Total domestic deposits to total assets | 74.7000% | 4,086 |
| Equity capital to assets | 9.2370% | 2,518 |
| Core capital (leverage) ratio | 9.4877% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2471% | 1,795 |
| Memoranda: | ||
| Average total assets | $10,323,592,500 | 158 |
| Average earning assets | $9,404,402,500 | 155 |
| Average equity | $954,568,000 | 181 |
| Average total loans | $7,668,601,500 | 151 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 3,626 |
| Cost of funding earning assets | 1.9616% | 975 |
| Net interest margin | 2.2364% | 4,295 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.7401% | 4,080 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4341% | 3,798 |
| Return on assets (ROA) | 0.3548% | 3,943 |
| Pretax return on assets | 0.4601% | 3,880 |
| Return on Equity (ROE) | 3.8000% | 3,919 |
| Retained earnings to average equity (ytd only) | -0.9717% | 4,181 |
| Net charge-offs to loans | 0.0328% | 1,641 |
| Credit loss provision to net charge-offs | 191.1788% | 1,257 |
| Earnings coverage of net charge-offs (x) | 24.0437% | 1,776 |
| Efficiency ratio | 74.5570% | 1,399 |
| Assets per employee ($millions) | 14.2775% | 241 |
| Cash dividends to net income (ytd only)* | 125.5966% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 4,128 |
| Loan loss allowance to noncurrent loans | 419.3319% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 2,715 |
| Noncurrent loans to loans | 0.1664% | 2,686 |
| Net loans and leases to total assets | 73.9700% | 1,367 |
| Net loans and leases to deposits | 99.2109% | 581 |
| Net loans and leases to core deposits | 106.6577% | 1,085 |
| Total domestic deposits to total assets | 74.5600% | 4,067 |
| Equity capital to assets | 9.2559% | 2,508 |
| Core capital (leverage) ratio | 9.4776% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0176% | 1,865 |
| Memoranda: | ||
| Average total assets | $10,098,450,000 | 157 |
| Average earning assets | $9,205,598,000 | 154 |
| Average equity | $943,811,400 | 175 |
| Average total loans | $7,610,311,000 | 150 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 3,677 |
| Cost of funding earning assets | 1.7622% | 1,078 |
| Net interest margin | 2.3308% | 4,283 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.7178% | 4,098 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5072% | 3,747 |
| Return on assets (ROA) | 0.3961% | 3,970 |
| Pretax return on assets | 0.5182% | 3,875 |
| Return on Equity (ROE) | 4.2300% | 3,948 |
| Retained earnings to average equity (ytd only) | -2.1513% | 4,328 |
| Net charge-offs to loans | 0.0408% | 1,306 |
| Credit loss provision to net charge-offs | 157.3029% | 1,290 |
| Earnings coverage of net charge-offs (x) | 22.4692% | 1,759 |
| Efficiency ratio | 71.2645% | 1,647 |
| Assets per employee ($millions) | 13.5815% | 265 |
| Cash dividends to net income (ytd only)* | 150.8852% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 4,157 |
| Loan loss allowance to noncurrent loans | 345.4064% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 2,558 |
| Noncurrent loans to loans | 0.1997% | 2,557 |
| Net loans and leases to total assets | 76.1200% | 1,106 |
| Net loans and leases to deposits | 100.1592% | 508 |
| Net loans and leases to core deposits | 106.8309% | 982 |
| Total domestic deposits to total assets | 76.0000% | 4,010 |
| Equity capital to assets | 9.2548% | 2,254 |
| Core capital (leverage) ratio | 9.6656% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8568% | 1,949 |
| Memoranda: | ||
| Average total assets | $10,038,842,750 | 158 |
| Average earning assets | $9,154,350,500 | 156 |
| Average equity | $940,571,500 | 177 |
| Average total loans | $7,587,917,500 | 151 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,622 |
| Cost of funding earning assets | 1.6019% | 1,061 |
| Net interest margin | 2.4287% | 4,282 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.7510% | 4,083 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5720% | 3,651 |
| Return on assets (ROA) | 0.4070% | 4,002 |
| Pretax return on assets | 0.5346% | 3,905 |
| Return on Equity (ROE) | 4.3300% | 3,978 |
| Retained earnings to average equity (ytd only) | -5.1861% | 4,427 |
| Net charge-offs to loans | 0.0159% | 1,605 |
| Credit loss provision to net charge-offs | 210.3161% | 1,029 |
| Earnings coverage of net charge-offs (x) | 63.3328% | 1,169 |
| Efficiency ratio | 69.8195% | 1,780 |
| Assets per employee ($millions) | 13.0200% | 297 |
| Cash dividends to net income (ytd only)* | 219.8769% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 4,205 |
| Loan loss allowance to noncurrent loans | 486.9837% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,778 |
| Noncurrent loans to loans | 0.1412% | 2,764 |
| Net loans and leases to total assets | 77.0900% | 931 |
| Net loans and leases to deposits | 99.0468% | 561 |
| Net loans and leases to core deposits | 105.3107% | 1,009 |
| Total domestic deposits to total assets | 77.8300% | 3,865 |
| Equity capital to assets | 9.5138% | 2,150 |
| Core capital (leverage) ratio | 9.4878% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7983% | 1,988 |
| Memoranda: | ||
| Average total assets | $10,057,657,333 | 154 |
| Average earning assets | $9,176,061,000 | 152 |
| Average equity | $946,146,000 | 169 |
| Average total loans | $7,566,713,000 | 147 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,670 |
| Cost of funding earning assets | 1.3094% | 1,210 |
| Net interest margin | 2.5916% | 4,217 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.6628% | 4,237 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.7681% | 3,303 |
| Return on assets (ROA) | 0.7335% | 3,347 |
| Pretax return on assets | 0.9740% | 3,071 |
| Return on Equity (ROE) | 7.8400% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.8399% | 2,266 |
| Net charge-offs to loans | 0.0056% | 1,761 |
| Credit loss provision to net charge-offs | 180.0000% | 872 |
| Earnings coverage of net charge-offs (x) | 244.3048% | 438 |
| Efficiency ratio | 62.3153% | 2,649 |
| Assets per employee ($millions) | 13.4815% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 4,274 |
| Loan loss allowance to noncurrent loans | 797.4470% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,160 |
| Noncurrent loans to loans | 0.0849% | 3,137 |
| Net loans and leases to total assets | 73.3300% | 1,287 |
| Net loans and leases to deposits | 100.7022% | 418 |
| Net loans and leases to core deposits | 106.6803% | 806 |
| Total domestic deposits to total assets | 72.8200% | 4,328 |
| Equity capital to assets | 9.4159% | 2,218 |
| Core capital (leverage) ratio | 9.7747% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2128% | 1,903 |
| Memoranda: | ||
| Average total assets | $10,203,975,000 | 157 |
| Average earning assets | $9,325,932,500 | 155 |
| Average equity | $954,708,500 | 172 |
| Average total loans | $7,560,302,000 | 152 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 3,052 |
| Cost of funding earning assets | 0.5077% | 1,332 |
| Net interest margin | 3.0000% | 3,451 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.7542% | 4,083 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9230% | 2,874 |
| Return on assets (ROA) | 0.9216% | 2,825 |
| Pretax return on assets | 1.2353% | 2,325 |
| Return on Equity (ROE) | 9.2800% | 3,038 |
| Retained earnings to average equity (ytd only) | 0.7271% | 4,240 |
| Net charge-offs to loans | 0.0007% | 2,572 |
| Credit loss provision to net charge-offs | 11,746.8085% | 61 |
| Earnings coverage of net charge-offs (x) | 2,562.3191% | 62 |
| Efficiency ratio | 57.8412% | 3,362 |
| Assets per employee ($millions) | 13.3174% | 285 |
| Cash dividends to net income (ytd only)* | 92.1627% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,226 |
| Loan loss allowance to noncurrent loans | 767.1835% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,140 |
| Noncurrent loans to loans | 0.0893% | 3,117 |
| Net loans and leases to total assets | 73.8500% | 1,226 |
| Net loans and leases to deposits | 94.4976% | 749 |
| Net loans and leases to core deposits | 99.3897% | 1,034 |
| Total domestic deposits to total assets | 78.1500% | 4,076 |
| Equity capital to assets | 9.2953% | 2,159 |
| Core capital (leverage) ratio | 9.7386% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1240% | 1,931 |
| Memoranda: | ||
| Average total assets | $9,418,966,000 | 168 |
| Average earning assets | $8,618,693,200 | 165 |
| Average equity | $935,620,400 | 177 |
| Average total loans | $6,803,598,200 | 159 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 2,911 |
| Cost of funding earning assets | 0.3944% | 1,329 |
| Net interest margin | 3.0095% | 3,198 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.7657% | 4,040 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9288% | 2,762 |
| Return on assets (ROA) | 0.9275% | 2,735 |
| Pretax return on assets | 1.2471% | 2,213 |
| Return on Equity (ROE) | 9.1800% | 2,977 |
| Retained earnings to average equity (ytd only) | -2.2322% | 4,499 |
| Net charge-offs to loans | -0.0002% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8648% | 3,395 |
| Assets per employee ($millions) | 12.8502% | 311 |
| Cash dividends to net income (ytd only)* | 124.3259% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 4,239 |
| Loan loss allowance to noncurrent loans | 680.5354% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,131 |
| Noncurrent loans to loans | 0.1038% | 3,136 |
| Net loans and leases to total assets | 73.3200% | 1,154 |
| Net loans and leases to deposits | 89.1495% | 955 |
| Net loans and leases to core deposits | 93.2258% | 1,133 |
| Total domestic deposits to total assets | 82.2500% | 3,801 |
| Equity capital to assets | 9.2032% | 2,077 |
| Core capital (leverage) ratio | 9.6194% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9026% | 2,092 |
| Memoranda: | ||
| Average total assets | $9,250,058,500 | 172 |
| Average earning assets | $8,465,166,250 | 166 |
| Average equity | $934,943,750 | 174 |
| Average total loans | $6,627,860,500 | 162 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 2,715 |
| Cost of funding earning assets | 0.3430% | 1,336 |
| Net interest margin | 2.9646% | 2,990 |
| Noninterest income to average assets | 0.2971% | 3,385 |
| Noninterest expense to average assets | 1.6475% | 4,223 |
| Loan and lease loss provision to assets | 0.0563% | 1,576 |
| Net operating income to assets | 0.9715% | 2,255 |
| Return on assets (ROA) | 0.9741% | 2,219 |
| Pretax return on assets | 1.3134% | 1,698 |
| Return on Equity (ROE) | 9.3405% | 2,583 |
| Retained earnings to average equity (ytd only) | 9.3405% | 1,189 |
| Net charge-offs to loans | -0.0068% | 3,447 |
| Credit loss provision to net charge-offs | -1,375.9091% | 3,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6629% | 3,899 |
| Assets per employee ($millions) | 12.7267% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,299 |
| Loan loss allowance to noncurrent loans | 791.9402% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,318 |
| Noncurrent loans to loans | 0.0911% | 3,312 |
| Net loans and leases to total assets | 71.7041% | 1,136 |
| Net loans and leases to deposits | 85.7782% | 993 |
| Net loans and leases to core deposits | 89.0836% | 1,172 |
| Total domestic deposits to total assets | 83.5925% | 3,777 |
| Equity capital to assets | 10.5092% | 1,424 |
| Core capital (leverage) ratio | 10.7575% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5952% | 1,546 |
| Memoranda: | ||
| Average total assets | $9,099,440,667 | 174 |
| Average earning assets | $8,338,837,667 | 169 |
| Average equity | $948,961,667 | 172 |
| Average total loans | $6,449,079,000 | 161 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2375% | 2,578 |
| Cost of funding earning assets | 0.3451% | 1,245 |
| Net interest margin | 2.8923% | 2,867 |
| Noninterest income to average assets | 0.2916% | 3,378 |
| Noninterest expense to average assets | 1.6049% | 4,288 |
| Loan and lease loss provision to assets | 0.0911% | 907 |
| Net operating income to assets | 0.9266% | 2,171 |
| Return on assets (ROA) | 0.9295% | 2,149 |
| Pretax return on assets | 1.2554% | 1,640 |
| Return on Equity (ROE) | 8.9491% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.9491% | 1,282 |
| Net charge-offs to loans | -0.0070% | 3,466 |
| Credit loss provision to net charge-offs | -826.3636% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4460% | 4,025 |
| Assets per employee ($millions) | 13.2371% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 4,331 |
| Loan loss allowance to noncurrent loans | 1,018.2477% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,531 |
| Noncurrent loans to loans | 0.0720% | 3,494 |
| Net loans and leases to total assets | 70.2438% | 996 |
| Net loans and leases to deposits | 84.0240% | 881 |
| Net loans and leases to core deposits | 87.2643% | 1,066 |
| Total domestic deposits to total assets | 83.5997% | 3,846 |
| Equity capital to assets | 10.2612% | 1,715 |
| Core capital (leverage) ratio | 10.4290% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5598% | 1,627 |
| Memoranda: | ||
| Average total assets | $8,927,547,000 | 177 |
| Average earning assets | $8,198,421,500 | 173 |
| Average equity | $927,239,000 | 178 |
| Average total loans | $6,263,412,000 | 164 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 3,293 |
| Cost of funding earning assets | 0.5636% | 657 |
| Net interest margin | 2.7069% | 3,857 |
| Noninterest income to average assets | 0.4086% | 3,005 |
| Noninterest expense to average assets | 1.6003% | 4,421 |
| Loan and lease loss provision to assets | -0.1108% | 4,559 |
| Net operating income to assets | 1.0262% | 2,574 |
| Return on assets (ROA) | 1.0252% | 2,648 |
| Pretax return on assets | 1.4053% | 2,034 |
| Return on Equity (ROE) | 9.9595% | 2,535 |
| Retained earnings to average equity (ytd only) | 2.9403% | 3,651 |
| Net charge-offs to loans | 0.0331% | 1,572 |
| Credit loss provision to net charge-offs | -489.6806% | 3,755 |
| Earnings coverage of net charge-offs (x) | 57.2850% | 1,209 |
| Efficiency ratio | 55.2566% | 3,791 |
| Assets per employee ($millions) | 13.3533% | 285 |
| Cash dividends to net income (ytd only)* | 70.4775% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 3,705 |
| Loan loss allowance to noncurrent loans | 1,591.9990% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,685 |
| Noncurrent loans to loans | 0.0635% | 3,630 |
| Net loans and leases to total assets | 68.8501% | 1,167 |
| Net loans and leases to deposits | 82.1928% | 1,050 |
| Net loans and leases to core deposits | 85.4667% | 1,234 |
| Total domestic deposits to total assets | 83.7666% | 3,622 |
| Equity capital to assets | 10.5115% | 2,169 |
| Core capital (leverage) ratio | 9.7987% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3903% | 1,714 |
| Memoranda: | ||
| Average total assets | $8,996,413,000 | 177 |
| Average earning assets | $8,267,196,800 | 172 |
| Average equity | $926,026,800 | 179 |
| Average total loans | $6,144,300,000 | 166 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2585% | 3,490 |
| Cost of funding earning assets | 0.5935% | 660 |
| Net interest margin | 2.6651% | 4,034 |
| Noninterest income to average assets | 0.4484% | 2,847 |
| Noninterest expense to average assets | 1.5389% | 4,548 |
| Loan and lease loss provision to assets | -0.0379% | 4,417 |
| Net operating income to assets | 1.0186% | 2,838 |
| Return on assets (ROA) | 1.0170% | 2,908 |
| Pretax return on assets | 1.3946% | 2,359 |
| Return on Equity (ROE) | 9.9324% | 2,758 |
| Retained earnings to average equity (ytd only) | 9.9324% | 1,338 |
| Net charge-offs to loans | 0.0389% | 1,310 |
| Credit loss provision to net charge-offs | -143.1526% | 3,307 |
| Earnings coverage of net charge-offs (x) | 51.3566% | 1,231 |
| Efficiency ratio | 53.1087% | 3,910 |
| Assets per employee ($millions) | 14.4993% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,186 |
| Loan loss allowance to noncurrent loans | 1,335.7265% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,738 |
| Noncurrent loans to loans | 0.0865% | 3,652 |
| Net loans and leases to total assets | 65.4327% | 1,605 |
| Net loans and leases to deposits | 82.7817% | 1,045 |
| Net loans and leases to core deposits | 86.5962% | 1,248 |
| Total domestic deposits to total assets | 79.0425% | 4,338 |
| Equity capital to assets | 10.5766% | 2,393 |
| Core capital (leverage) ratio | 10.2983% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3603% | 1,527 |
| Memoranda: | ||
| Average total assets | $9,015,508,500 | 176 |
| Average earning assets | $8,285,612,250 | 172 |
| Average equity | $923,125,500 | 181 |
| Average total loans | $6,129,343,250 | 166 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 3,411 |
| Cost of funding earning assets | 0.6231% | 660 |
| Net interest margin | 2.6813% | 4,018 |
| Noninterest income to average assets | 0.5302% | 2,492 |
| Noninterest expense to average assets | 1.5609% | 4,563 |
| Loan and lease loss provision to assets | -0.0679% | 4,558 |
| Net operating income to assets | 1.0978% | 2,559 |
| Return on assets (ROA) | 1.0629% | 2,745 |
| Pretax return on assets | 1.4594% | 2,142 |
| Return on Equity (ROE) | 10.4991% | 2,584 |
| Retained earnings to average equity (ytd only) | 10.4991% | 1,252 |
| Net charge-offs to loans | 0.0565% | 1,055 |
| Credit loss provision to net charge-offs | -175.2304% | 3,174 |
| Earnings coverage of net charge-offs (x) | 37.0351% | 1,202 |
| Efficiency ratio | 52.0892% | 4,037 |
| Assets per employee ($millions) | 14.7244% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,131 |
| Loan loss allowance to noncurrent loans | 1,620.2596% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,936 |
| Noncurrent loans to loans | 0.0717% | 3,828 |
| Net loans and leases to total assets | 65.6959% | 1,727 |
| Net loans and leases to deposits | 83.2362% | 1,112 |
| Net loans and leases to core deposits | 87.0934% | 1,339 |
| Total domestic deposits to total assets | 78.9271% | 4,354 |
| Equity capital to assets | 10.5227% | 2,375 |
| Core capital (leverage) ratio | 10.2347% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4065% | 1,499 |
| Memoranda: | ||
| Average total assets | $8,956,483,000 | 174 |
| Average earning assets | $8,238,758,667 | 172 |
| Average equity | $906,745,667 | 181 |
| Average total loans | $6,144,031,333 | 167 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 3,409 |
| Cost of funding earning assets | 0.6526% | 678 |
| Net interest margin | 2.6616% | 4,036 |
| Noninterest income to average assets | 0.3902% | 3,145 |
| Noninterest expense to average assets | 1.5621% | 4,586 |
| Loan and lease loss provision to assets | -0.0575% | 4,665 |
| Net operating income to assets | 0.9740% | 2,888 |
| Return on assets (ROA) | 0.9399% | 3,089 |
| Pretax return on assets | 1.2916% | 2,590 |
| Return on Equity (ROE) | 9.4741% | 2,863 |
| Retained earnings to average equity (ytd only) | 9.4741% | 1,806 |
| Net charge-offs to loans | 0.0962% | 704 |
| Credit loss provision to net charge-offs | -85.7909% | 2,814 |
| Earnings coverage of net charge-offs (x) | 19.0617% | 1,270 |
| Efficiency ratio | 55.0178% | 3,664 |
| Assets per employee ($millions) | 14.8509% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,171 |
| Loan loss allowance to noncurrent loans | 1,168.4108% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,888 |
| Noncurrent loans to loans | 0.0989% | 3,812 |
| Net loans and leases to total assets | 68.1475% | 1,513 |
| Net loans and leases to deposits | 86.7876% | 904 |
| Net loans and leases to core deposits | 91.0839% | 1,164 |
| Total domestic deposits to total assets | 78.5221% | 4,387 |
| Equity capital to assets | 9.8983% | 2,801 |
| Core capital (leverage) ratio | 10.0764% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3431% | 1,460 |
| Memoranda: | ||
| Average total assets | $8,906,959,500 | 173 |
| Average earning assets | $8,196,073,500 | 170 |
| Average equity | $883,674,500 | 181 |
| Average total loans | $6,206,542,500 | 167 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 3,458 |
| Cost of funding earning assets | 1.0360% | 519 |
| Net interest margin | 2.7109% | 4,365 |
| Noninterest income to average assets | 0.3295% | 3,482 |
| Noninterest expense to average assets | 1.7286% | 4,579 |
| Loan and lease loss provision to assets | 0.2141% | 1,835 |
| Net operating income to assets | 0.6620% | 3,552 |
| Return on assets (ROA) | 0.6735% | 3,639 |
| Pretax return on assets | 0.8913% | 3,389 |
| Return on Equity (ROE) | 6.8320% | 3,267 |
| Retained earnings to average equity (ytd only) | 0.9451% | 4,244 |
| Net charge-offs to loans | 0.0863% | 1,599 |
| Credit loss provision to net charge-offs | 336.5809% | 1,615 |
| Earnings coverage of net charge-offs (x) | 17.1480% | 2,092 |
| Efficiency ratio | 61.3089% | 3,260 |
| Assets per employee ($millions) | 14.5681% | 197 |
| Cash dividends to net income (ytd only)* | 86.1668% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,908 |
| Loan loss allowance to noncurrent loans | 915.5959% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 3,850 |
| Noncurrent loans to loans | 0.1318% | 3,752 |
| Net loans and leases to total assets | 69.5906% | 1,611 |
| Net loans and leases to deposits | 88.5337% | 1,040 |
| Net loans and leases to core deposits | 93.5048% | 1,273 |
| Total domestic deposits to total assets | 78.6035% | 4,250 |
| Equity capital to assets | 9.9447% | 3,181 |
| Core capital (leverage) ratio | 9.7248% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0533% | 1,510 |
| Memoranda: | ||
| Average total assets | $8,615,727,000 | 165 |
| Average earning assets | $7,913,637,800 | 165 |
| Average equity | $849,339,800 | 181 |
| Average total loans | $6,353,436,200 | 160 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 3,599 |
| Cost of funding earning assets | 1.1091% | 519 |
| Net interest margin | 2.6794% | 4,489 |
| Noninterest income to average assets | 0.3040% | 3,670 |
| Noninterest expense to average assets | 1.7236% | 4,600 |
| Loan and lease loss provision to assets | 0.2771% | 1,450 |
| Net operating income to assets | 0.5755% | 3,844 |
| Return on assets (ROA) | 0.5860% | 3,913 |
| Pretax return on assets | 0.7781% | 3,707 |
| Return on Equity (ROE) | 5.9577% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.9577% | 2,123 |
| Net charge-offs to loans | 0.0708% | 1,609 |
| Credit loss provision to net charge-offs | 524.7350% | 1,249 |
| Earnings coverage of net charge-offs (x) | 19.7291% | 1,929 |
| Efficiency ratio | 62.3244% | 3,018 |
| Assets per employee ($millions) | 14.2534% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,801 |
| Loan loss allowance to noncurrent loans | 697.7637% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 3,809 |
| Noncurrent loans to loans | 0.1685% | 3,705 |
| Net loans and leases to total assets | 72.2769% | 1,625 |
| Net loans and leases to deposits | 94.7606% | 863 |
| Net loans and leases to core deposits | 100.4685% | 1,129 |
| Total domestic deposits to total assets | 76.2732% | 4,399 |
| Equity capital to assets | 9.9714% | 3,255 |
| Core capital (leverage) ratio | 10.0112% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2425% | 1,437 |
| Memoranda: | ||
| Average total assets | $8,573,512,000 | 166 |
| Average earning assets | $7,876,330,000 | 163 |
| Average equity | $843,275,000 | 181 |
| Average total loans | $6,394,815,000 | 160 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 3,700 |
| Cost of funding earning assets | 1.1906% | 517 |
| Net interest margin | 2.6779% | 4,576 |
| Noninterest income to average assets | 0.2827% | 3,770 |
| Noninterest expense to average assets | 1.7069% | 4,675 |
| Loan and lease loss provision to assets | 0.3609% | 1,167 |
| Net operating income to assets | 0.5138% | 3,974 |
| Return on assets (ROA) | 0.5278% | 4,023 |
| Pretax return on assets | 0.6931% | 3,886 |
| Return on Equity (ROE) | 5.3915% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.3915% | 2,313 |
| Net charge-offs to loans | 0.0942% | 1,320 |
| Credit loss provision to net charge-offs | 510.4736% | 1,216 |
| Earnings coverage of net charge-offs (x) | 14.6588% | 1,940 |
| Efficiency ratio | 62.2212% | 3,089 |
| Assets per employee ($millions) | 13.4094% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 2,982 |
| Loan loss allowance to noncurrent loans | 548.1780% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 3,771 |
| Noncurrent loans to loans | 0.2030% | 3,657 |
| Net loans and leases to total assets | 73.4251% | 1,490 |
| Net loans and leases to deposits | 97.6871% | 675 |
| Net loans and leases to core deposits | 104.2602% | 986 |
| Total domestic deposits to total assets | 75.1635% | 4,501 |
| Equity capital to assets | 10.0343% | 3,172 |
| Core capital (leverage) ratio | 9.7909% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5796% | 1,607 |
| Memoranda: | ||
| Average total assets | $8,480,900,667 | 166 |
| Average earning assets | $7,792,636,667 | 164 |
| Average equity | $830,166,000 | 181 |
| Average total loans | $6,368,549,333 | 161 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,922 |
| Cost of funding earning assets | 1.3199% | 535 |
| Net interest margin | 2.6314% | 4,731 |
| Noninterest income to average assets | 0.2987% | 3,728 |
| Noninterest expense to average assets | 1.8051% | 4,663 |
| Loan and lease loss provision to assets | 0.4643% | 642 |
| Net operating income to assets | 0.3385% | 4,262 |
| Return on assets (ROA) | 0.3444% | 4,282 |
| Pretax return on assets | 0.4590% | 4,191 |
| Return on Equity (ROE) | 3.5666% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.5666% | 2,864 |
| Net charge-offs to loans | 0.0050% | 2,398 |
| Credit loss provision to net charge-offs | 12,266.6667% | 64 |
| Earnings coverage of net charge-offs (x) | 241.9615% | 288 |
| Efficiency ratio | 66.3397% | 2,904 |
| Assets per employee ($millions) | 13.0413% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,999 |
| Loan loss allowance to noncurrent loans | 678.2890% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,000 |
| Noncurrent loans to loans | 0.1678% | 3,864 |
| Net loans and leases to total assets | 74.4278% | 1,544 |
| Net loans and leases to deposits | 104.1046% | 364 |
| Net loans and leases to core deposits | 111.9083% | 756 |
| Total domestic deposits to total assets | 71.4932% | 4,792 |
| Equity capital to assets | 9.6992% | 4,042 |
| Core capital (leverage) ratio | 9.7895% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3771% | 2,124 |
| Memoranda: | ||
| Average total assets | $8,242,617,000 | 167 |
| Average earning assets | $7,587,244,500 | 162 |
| Average equity | $795,838,500 | 190 |
| Average total loans | $6,227,302,000 | 160 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 4,336 |
| Cost of funding earning assets | 1.3895% | 587 |
| Net interest margin | 2.5662% | 4,932 |
| Noninterest income to average assets | 0.3807% | 3,414 |
| Noninterest expense to average assets | 1.7247% | 4,851 |
| Loan and lease loss provision to assets | 0.0592% | 2,852 |
| Net operating income to assets | 0.7535% | 3,690 |
| Return on assets (ROA) | 0.7825% | 3,686 |
| Pretax return on assets | 1.0121% | 3,433 |
| Return on Equity (ROE) | 7.2149% | 3,478 |
| Retained earnings to average equity (ytd only) | -15.9053% | 5,120 |
| Net charge-offs to loans | 0.0917% | 1,812 |
| Credit loss provision to net charge-offs | 86.9494% | 2,696 |
| Earnings coverage of net charge-offs (x) | 15.2026% | 2,242 |
| Efficiency ratio | 62.5049% | 3,291 |
| Assets per employee ($millions) | 12.3347% | 199 |
| Cash dividends to net income (ytd only)* | 320.4497% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,553 |
| Loan loss allowance to noncurrent loans | 836.7322% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,181 |
| Noncurrent loans to loans | 0.1189% | 4,056 |
| Net loans and leases to total assets | 75.0649% | 1,579 |
| Net loans and leases to deposits | 104.9477% | 339 |
| Net loans and leases to core deposits | 113.1516% | 709 |
| Total domestic deposits to total assets | 71.5260% | 4,882 |
| Equity capital to assets | 9.6104% | 4,265 |
| Core capital (leverage) ratio | 10.2531% | 3,243 |
| Tier 1 risk-based capital ratio | 13.2097% | 3,677 |
| Total risk-based capital ratio | 14.2521% | 3,667 |
| Memoranda: | ||
| Average total assets | $7,138,563,400 | 171 |
| Average earning assets | $6,616,539,200 | 168 |
| Average equity | $774,215,600 | 187 |
| Average total loans | $5,297,619,000 | 169 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 4,402 |
| Cost of funding earning assets | 1.4067% | 567 |
| Net interest margin | 2.5736% | 5,019 |
| Noninterest income to average assets | 0.3860% | 3,403 |
| Noninterest expense to average assets | 1.7311% | 4,891 |
| Loan and lease loss provision to assets | 0.0330% | 3,248 |
| Net operating income to assets | 0.7734% | 3,758 |
| Return on assets (ROA) | 0.7989% | 3,749 |
| Pretax return on assets | 1.0423% | 3,470 |
| Return on Equity (ROE) | 7.1254% | 3,630 |
| Retained earnings to average equity (ytd only) | 2.8037% | 3,971 |
| Net charge-offs to loans | 0.0373% | 2,344 |
| Credit loss provision to net charge-offs | 120.1550% | 1,952 |
| Earnings coverage of net charge-offs (x) | 37.9197% | 1,417 |
| Efficiency ratio | 62.4031% | 3,262 |
| Assets per employee ($millions) | 12.0607% | 216 |
| Cash dividends to net income (ytd only)* | 60.6516% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,461 |
| Loan loss allowance to noncurrent loans | 1,457.8445% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,408 |
| Noncurrent loans to loans | 0.0829% | 4,270 |
| Net loans and leases to total assets | 72.5219% | 2,078 |
| Net loans and leases to deposits | 102.7903% | 459 |
| Net loans and leases to core deposits | 110.4195% | 934 |
| Total domestic deposits to total assets | 70.5532% | 4,971 |
| Equity capital to assets | 11.0533% | 3,058 |
| Core capital (leverage) ratio | 12.2058% | 1,728 |
| Tier 1 risk-based capital ratio | 16.7501% | 2,168 |
| Total risk-based capital ratio | 18.0003% | 2,110 |
| Memoranda: | ||
| Average total assets | $6,878,721,000 | 179 |
| Average earning assets | $6,382,901,000 | 174 |
| Average equity | $771,286,000 | 188 |
| Average total loans | $5,071,907,250 | 173 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 4,420 |
| Cost of funding earning assets | 1.3805% | 575 |
| Net interest margin | 2.5966% | 5,075 |
| Noninterest income to average assets | 0.3328% | 3,709 |
| Noninterest expense to average assets | 1.7537% | 4,918 |
| Loan and lease loss provision to assets | 0.0161% | 3,463 |
| Net operating income to assets | 0.7715% | 3,746 |
| Return on assets (ROA) | 0.7828% | 3,777 |
| Pretax return on assets | 0.9895% | 3,582 |
| Return on Equity (ROE) | 6.9474% | 3,699 |
| Retained earnings to average equity (ytd only) | 0.4406% | 4,580 |
| Net charge-offs to loans | 0.0193% | 2,484 |
| Credit loss provision to net charge-offs | 112.5257% | 1,821 |
| Earnings coverage of net charge-offs (x) | 69.4066% | 900 |
| Efficiency ratio | 63.8882% | 3,150 |
| Assets per employee ($millions) | 11.7907% | 217 |
| Cash dividends to net income (ytd only)* | 93.6575% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,414 |
| Loan loss allowance to noncurrent loans | 932.2229% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,275 |
| Noncurrent loans to loans | 0.1310% | 4,093 |
| Net loans and leases to total assets | 72.4491% | 2,155 |
| Net loans and leases to deposits | 103.4380% | 450 |
| Net loans and leases to core deposits | 111.3996% | 894 |
| Total domestic deposits to total assets | 70.0410% | 5,047 |
| Equity capital to assets | 11.1804% | 2,882 |
| Core capital (leverage) ratio | 12.3803% | 1,597 |
| Tier 1 risk-based capital ratio | 17.1084% | 2,056 |
| Total risk-based capital ratio | 18.3588% | 2,001 |
| Memoranda: | ||
| Average total assets | $6,819,789,330 | 180 |
| Average earning assets | $6,335,296,330 | 176 |
| Average equity | $768,426,670 | 191 |
| Average total loans | $5,036,069,670 | 175 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 4,333 |
| Cost of funding earning assets | 1.3512% | 553 |
| Net interest margin | 2.6660% | 5,089 |
| Noninterest income to average assets | 0.3193% | 3,727 |
| Noninterest expense to average assets | 1.7253% | 4,988 |
| Loan and lease loss provision to assets | 0.0259% | 3,092 |
| Net operating income to assets | 0.8497% | 3,456 |
| Return on assets (ROA) | 0.8538% | 3,478 |
| Pretax return on assets | 1.0542% | 3,275 |
| Return on Equity (ROE) | 7.5472% | 3,438 |
| Retained earnings to average equity (ytd only) | -5.5574% | 4,951 |
| Net charge-offs to loans | 0.0006% | 2,737 |
| Credit loss provision to net charge-offs | 6,228.5714% | 57 |
| Earnings coverage of net charge-offs (x) | 2,589.5714% | 9 |
| Efficiency ratio | 61.6132% | 3,591 |
| Assets per employee ($millions) | 11.4273% | 234 |
| Cash dividends to net income (ytd only)* | 173.6352% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,307 |
| Loan loss allowance to noncurrent loans | 927.3305% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,312 |
| Noncurrent loans to loans | 0.1351% | 4,132 |
| Net loans and leases to total assets | 72.6497% | 2,053 |
| Net loans and leases to deposits | 102.6719% | 464 |
| Net loans and leases to core deposits | 109.5200% | 959 |
| Total domestic deposits to total assets | 70.7591% | 5,089 |
| Equity capital to assets | 11.1818% | 2,676 |
| Core capital (leverage) ratio | 12.1877% | 1,673 |
| Tier 1 risk-based capital ratio | 17.4102% | 1,971 |
| Total risk-based capital ratio | 18.6612% | 1,919 |
| Memoranda: | ||
| Average total assets | $6,745,520,500 | 183 |
| Average earning assets | $6,277,110,000 | 179 |
| Average equity | $763,095,500 | 193 |
| Average total loans | $4,998,658,500 | 177 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,445 |
| Cost of funding earning assets | 1.0391% | 643 |
| Net interest margin | 2.7797% | 5,037 |
| Noninterest income to average assets | 0.3184% | 3,982 |
| Noninterest expense to average assets | 1.7127% | 5,078 |
| Loan and lease loss provision to assets | 0.1049% | 2,094 |
| Net operating income to assets | 0.8063% | 3,784 |
| Return on assets (ROA) | 0.8077% | 3,777 |
| Pretax return on assets | 1.0970% | 3,281 |
| Return on Equity (ROE) | 7.8470% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.8470% | 1,308 |
| Net charge-offs to loans | 0.0532% | 2,392 |
| Credit loss provision to net charge-offs | 265.6984% | 1,126 |
| Earnings coverage of net charge-offs (x) | 30.3916% | 1,583 |
| Efficiency ratio | 58.7985% | 4,038 |
| Assets per employee ($millions) | 10.9335% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,295 |
| Loan loss allowance to noncurrent loans | 2,235.2815% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,633 |
| Noncurrent loans to loans | 0.0559% | 4,498 |
| Net loans and leases to total assets | 73.7126% | 1,976 |
| Net loans and leases to deposits | 107.0754% | 333 |
| Net loans and leases to core deposits | 114.0923% | 782 |
| Total domestic deposits to total assets | 68.8417% | 5,189 |
| Equity capital to assets | 11.4460% | 2,294 |
| Core capital (leverage) ratio | 12.5958% | 1,412 |
| Tier 1 risk-based capital ratio | 17.7857% | 1,817 |
| Total risk-based capital ratio | 19.0413% | 1,770 |
| Memoranda: | ||
| Average total assets | $6,363,789,400 | 187 |
| Average earning assets | $5,939,571,600 | 183 |
| Average equity | $655,043,200 | 203 |
| Average total loans | $4,719,960,200 | 182 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 4,556 |
| Cost of funding earning assets | 0.9603% | 715 |
| Net interest margin | 2.7863% | 5,103 |
| Noninterest income to average assets | 0.3025% | 4,127 |
| Noninterest expense to average assets | 1.6698% | 5,158 |
| Loan and lease loss provision to assets | 0.1252% | 1,604 |
| Net operating income to assets | 0.8007% | 3,895 |
| Return on assets (ROA) | 0.8027% | 3,895 |
| Pretax return on assets | 1.1115% | 3,350 |
| Return on Equity (ROE) | 8.0370% | 3,535 |
| Retained earnings to average equity (ytd only) | 8.0370% | 1,633 |
| Net charge-offs to loans | 0.0193% | 2,760 |
| Credit loss provision to net charge-offs | 876.6716% | 457 |
| Earnings coverage of net charge-offs (x) | 86.4444% | 842 |
| Efficiency ratio | 57.4997% | 4,186 |
| Assets per employee ($millions) | 10.8939% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,131 |
| Loan loss allowance to noncurrent loans | 1,614.6168% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 4,664 |
| Noncurrent loans to loans | 0.0800% | 4,521 |
| Net loans and leases to total assets | 73.8758% | 2,006 |
| Net loans and leases to deposits | 106.2949% | 429 |
| Net loans and leases to core deposits | 112.6268% | 886 |
| Total domestic deposits to total assets | 69.5008% | 5,238 |
| Equity capital to assets | 11.2965% | 2,398 |
| Core capital (leverage) ratio | 12.7407% | 1,399 |
| Tier 1 risk-based capital ratio | 17.7067% | 1,868 |
| Total risk-based capital ratio | 18.9635% | 1,824 |
| Memoranda: | ||
| Average total assets | $6,284,644,000 | 189 |
| Average earning assets | $5,868,107,000 | 184 |
| Average equity | $627,645,750 | 207 |
| Average total loans | $4,653,296,500 | 181 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,594 |
| Cost of funding earning assets | 0.8683% | 835 |
| Net interest margin | 2.8285% | 5,091 |
| Noninterest income to average assets | 0.2993% | 4,179 |
| Noninterest expense to average assets | 1.6983% | 5,200 |
| Loan and lease loss provision to assets | 0.1421% | 1,368 |
| Net operating income to assets | 0.8342% | 3,739 |
| Return on assets (ROA) | 0.8371% | 3,733 |
| Pretax return on assets | 1.1077% | 3,287 |
| Return on Equity (ROE) | 8.7891% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.7891% | 1,282 |
| Net charge-offs to loans | 0.0024% | 3,118 |
| Credit loss provision to net charge-offs | 8,148.1481% | 52 |
| Earnings coverage of net charge-offs (x) | 714.5556% | 116 |
| Efficiency ratio | 57.6801% | 4,287 |
| Assets per employee ($millions) | 10.4416% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,661.9883% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,660 |
| Noncurrent loans to loans | 0.0799% | 4,552 |
| Net loans and leases to total assets | 74.1796% | 1,919 |
| Net loans and leases to deposits | 102.5936% | 619 |
| Net loans and leases to core deposits | 106.7245% | 1,193 |
| Total domestic deposits to total assets | 72.3044% | 5,158 |
| Equity capital to assets | 11.7155% | 2,052 |
| Core capital (leverage) ratio | 12.8504% | 1,298 |
| Tier 1 risk-based capital ratio | 18.2742% | 1,733 |
| Total risk-based capital ratio | 19.5311% | 1,691 |
| Memoranda: | ||
| Average total assets | $6,193,492,670 | 191 |
| Average earning assets | $5,791,656,000 | 184 |
| Average equity | $589,915,670 | 215 |
| Average total loans | $4,568,311,000 | 181 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 4,704 |
| Cost of funding earning assets | 0.8119% | 906 |
| Net interest margin | 2.7890% | 5,166 |
| Noninterest income to average assets | 0.2660% | 4,399 |
| Noninterest expense to average assets | 1.6779% | 5,265 |
| Loan and lease loss provision to assets | 0.1299% | 1,454 |
| Net operating income to assets | 0.8086% | 3,673 |
| Return on assets (ROA) | 0.8145% | 3,660 |
| Pretax return on assets | 1.0776% | 3,250 |
| Return on Equity (ROE) | 9.6847% | 2,592 |
| Retained earnings to average equity (ytd only) | 9.6847% | 1,260 |
| Net charge-offs to loans | 0.0202% | 2,095 |
| Credit loss provision to net charge-offs | 881.0573% | 378 |
| Earnings coverage of net charge-offs (x) | 81.3789% | 697 |
| Efficiency ratio | 58.3030% | 4,301 |
| Assets per employee ($millions) | 11.0405% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,142 |
| Loan loss allowance to noncurrent loans | 1,609.0177% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,732 |
| Noncurrent loans to loans | 0.0821% | 4,615 |
| Net loans and leases to total assets | 68.2761% | 2,731 |
| Net loans and leases to deposits | 82.5103% | 2,547 |
| Net loans and leases to core deposits | 85.0449% | 2,890 |
| Total domestic deposits to total assets | 82.7486% | 3,747 |
| Equity capital to assets | 7.9170% | 5,295 |
| Core capital (leverage) ratio | 9.8699% | 3,688 |
| Tier 1 risk-based capital ratio | 13.8556% | 3,461 |
| Total risk-based capital ratio | 15.1122% | 3,370 |
| Memoranda: | ||
| Average total assets | $6,157,774,000 | 193 |
| Average earning assets | $5,766,717,000 | 184 |
| Average equity | $517,888,000 | 233 |
| Average total loans | $4,497,553,500 | 183 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,071 |
| Cost of funding earning assets | 0.8354% | 516 |
| Net interest margin | 2.9572% | 4,964 |
| Noninterest income to average assets | 0.3271% | 4,131 |
| Noninterest expense to average assets | 1.9456% | 5,058 |
| Loan and lease loss provision to assets | 0.1829% | 1,166 |
| Net operating income to assets | 0.5432% | 4,249 |
| Return on assets (ROA) | 0.5182% | 4,369 |
| Pretax return on assets | 0.9180% | 3,850 |
| Return on Equity (ROE) | 5.5637% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.1639% | 2,025 |
| Net charge-offs to loans | 0.0810% | 2,296 |
| Credit loss provision to net charge-offs | 281.0641% | 1,001 |
| Earnings coverage of net charge-offs (x) | 17.5183% | 2,120 |
| Efficiency ratio | 63.0535% | 3,768 |
| Assets per employee ($millions) | 9.4385% | 383 |
| Cash dividends to net income (ytd only)* | 7.1847% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,190 |
| Loan loss allowance to noncurrent loans | 891.6169% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 4,479 |
| Noncurrent loans to loans | 0.1464% | 4,338 |
| Net loans and leases to total assets | 76.4117% | 1,523 |
| Net loans and leases to deposits | 102.5398% | 574 |
| Net loans and leases to core deposits | 106.3526% | 1,242 |
| Total domestic deposits to total assets | 74.5190% | 5,136 |
| Equity capital to assets | 8.9723% | 4,751 |
| Core capital (leverage) ratio | 10.4354% | 2,919 |
| Tier 1 risk-based capital ratio | 13.6444% | 3,549 |
| Total risk-based capital ratio | 14.9006% | 3,456 |
| Memoranda: | ||
| Average total assets | $5,372,237,000 | 199 |
| Average earning assets | $5,011,293,200 | 194 |
| Average equity | $500,337,000 | 230 |
| Average total loans | $4,315,570,600 | 179 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 3,980 |
| Cost of funding earning assets | 0.8296% | 493 |
| Net interest margin | 2.9789% | 4,965 |
| Noninterest income to average assets | 0.3336% | 4,152 |
| Noninterest expense to average assets | 1.9959% | 4,964 |
| Loan and lease loss provision to assets | 0.1625% | 1,255 |
| Net operating income to assets | 0.6324% | 4,264 |
| Return on assets (ROA) | 0.5974% | 4,440 |
| Pretax return on assets | 0.9042% | 4,029 |
| Return on Equity (ROE) | 6.3958% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.8544% | 2,334 |
| Net charge-offs to loans | 0.1135% | 1,657 |
| Credit loss provision to net charge-offs | 176.4415% | 1,495 |
| Earnings coverage of net charge-offs (x) | 12.1595% | 2,446 |
| Efficiency ratio | 64.0611% | 3,535 |
| Assets per employee ($millions) | 8.9757% | 444 |
| Cash dividends to net income (ytd only)* | 8.4649% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,626 |
| Loan loss allowance to noncurrent loans | 854.4417% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 4,618 |
| Noncurrent loans to loans | 0.1466% | 4,468 |
| Net loans and leases to total assets | 79.7169% | 1,026 |
| Net loans and leases to deposits | 103.6682% | 516 |
| Net loans and leases to core deposits | 107.3849% | 1,180 |
| Total domestic deposits to total assets | 76.8962% | 4,910 |
| Equity capital to assets | 9.3439% | 4,599 |
| Core capital (leverage) ratio | 10.4912% | 2,999 |
| Tier 1 risk-based capital ratio | 13.6919% | 3,585 |
| Total risk-based capital ratio | 14.9473% | 3,511 |
| Memoranda: | ||
| Average total assets | $5,273,149,250 | 205 |
| Average earning assets | $4,924,738,250 | 198 |
| Average equity | $492,536,750 | 232 |
| Average total loans | $4,280,070,250 | 181 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 3,913 |
| Cost of funding earning assets | 0.8108% | 500 |
| Net interest margin | 2.9833% | 4,949 |
| Noninterest income to average assets | 0.3766% | 3,863 |
| Noninterest expense to average assets | 1.8810% | 5,212 |
| Loan and lease loss provision to assets | 0.0287% | 3,425 |
| Net operating income to assets | 0.8035% | 3,386 |
| Return on assets (ROA) | 0.8035% | 3,443 |
| Pretax return on assets | 1.2536% | 2,566 |
| Return on Equity (ROE) | 8.6036% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.7847% | 1,244 |
| Net charge-offs to loans | 0.0252% | 2,709 |
| Credit loss provision to net charge-offs | 140.3738% | 1,592 |
| Earnings coverage of net charge-offs (x) | 62.6748% | 923 |
| Efficiency ratio | 59.4625% | 4,401 |
| Assets per employee ($millions) | 8.9590% | 428 |
| Cash dividends to net income (ytd only)* | 9.5188% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,053 |
| Loan loss allowance to noncurrent loans | 575.3564% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 4,465 |
| Noncurrent loans to loans | 0.2076% | 4,290 |
| Net loans and leases to total assets | 80.5340% | 875 |
| Net loans and leases to deposits | 106.7778% | 369 |
| Net loans and leases to core deposits | 110.2871% | 988 |
| Total domestic deposits to total assets | 75.4220% | 5,153 |
| Equity capital to assets | 9.3366% | 4,579 |
| Core capital (leverage) ratio | 10.5929% | 2,821 |
| Tier 1 risk-based capital ratio | 13.6941% | 3,588 |
| Total risk-based capital ratio | 14.9456% | 3,508 |
| Memoranda: | ||
| Average total assets | $5,229,749,330 | 207 |
| Average earning assets | $4,885,052,000 | 201 |
| Average equity | $488,421,000 | 235 |
| Average total loans | $4,252,756,000 | 183 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 3,841 |
| Cost of funding earning assets | 0.7963% | 498 |
| Net interest margin | 2.9807% | 4,929 |
| Noninterest income to average assets | 0.4206% | 3,517 |
| Noninterest expense to average assets | 1.8987% | 5,245 |
| Loan and lease loss provision to assets | 0.0290% | 3,189 |
| Net operating income to assets | 0.8556% | 2,968 |
| Return on assets (ROA) | 0.8556% | 3,012 |
| Pretax return on assets | 1.2770% | 2,322 |
| Return on Equity (ROE) | 9.1596% | 2,338 |
| Retained earnings to average equity (ytd only) | 7.5031% | 1,649 |
| Net charge-offs to loans | 0.0302% | 2,158 |
| Credit loss provision to net charge-offs | 118.2965% | 1,413 |
| Earnings coverage of net charge-offs (x) | 53.2524% | 864 |
| Efficiency ratio | 59.2473% | 4,564 |
| Assets per employee ($millions) | 8.6788% | 475 |
| Cash dividends to net income (ytd only)* | 18.0848% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,013 |
| Loan loss allowance to noncurrent loans | 538.6675% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,495 |
| Noncurrent loans to loans | 0.2263% | 4,301 |
| Net loans and leases to total assets | 80.4907% | 769 |
| Net loans and leases to deposits | 105.4503% | 339 |
| Net loans and leases to core deposits | 108.2765% | 958 |
| Total domestic deposits to total assets | 76.3305% | 5,197 |
| Equity capital to assets | 9.3329% | 4,464 |
| Core capital (leverage) ratio | 10.5850% | 2,807 |
| Tier 1 risk-based capital ratio | 14.0036% | 3,476 |
| Total risk-based capital ratio | 15.2584% | 3,389 |
| Memoranda: | ||
| Average total assets | $5,170,367,000 | 208 |
| Average earning assets | $4,829,161,500 | 200 |
| Average equity | $482,947,000 | 236 |
| Average total loans | $4,199,417,000 | 185 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 4,152 |
| Cost of funding earning assets | 0.8545% | 380 |
| Net interest margin | 2.8666% | 5,188 |
| Noninterest income to average assets | 0.3488% | 4,240 |
| Noninterest expense to average assets | 1.8737% | 5,393 |
| Loan and lease loss provision to assets | 0.0084% | 4,199 |
| Net operating income to assets | 0.7535% | 3,520 |
| Return on assets (ROA) | 0.7616% | 3,592 |
| Pretax return on assets | 1.1526% | 2,884 |
| Return on Equity (ROE) | 7.8232% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.2016% | 1,151 |
| Net charge-offs to loans | 0.1291% | 1,949 |
| Credit loss provision to net charge-offs | 8.1377% | 3,749 |
| Earnings coverage of net charge-offs (x) | 11.1406% | 2,563 |
| Efficiency ratio | 61.9931% | 4,254 |
| Assets per employee ($millions) | 8.6275% | 483 |
| Cash dividends to net income (ytd only)* | 7.9453% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,806 |
| Loan loss allowance to noncurrent loans | 415.0496% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 4,243 |
| Noncurrent loans to loans | 0.3016% | 4,058 |
| Net loans and leases to total assets | 79.9385% | 902 |
| Net loans and leases to deposits | 104.9183% | 390 |
| Net loans and leases to core deposits | 107.7416% | 1,036 |
| Total domestic deposits to total assets | 76.1912% | 5,224 |
| Equity capital to assets | 9.3486% | 4,428 |
| Core capital (leverage) ratio | 10.6183% | 2,757 |
| Tier 1 risk-based capital ratio | 14.1554% | 3,377 |
| Total risk-based capital ratio | 15.4105% | 3,296 |
| Memoranda: | ||
| Average total assets | $4,957,763,200 | 203 |
| Average earning assets | $4,624,069,800 | 199 |
| Average equity | $482,640,000 | 226 |
| Average total loans | $3,960,869,200 | 187 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,198 |
| Cost of funding earning assets | 0.8674% | 347 |
| Net interest margin | 2.8486% | 5,272 |
| Noninterest income to average assets | 0.3464% | 4,308 |
| Noninterest expense to average assets | 1.8693% | 5,428 |
| Loan and lease loss provision to assets | 0.0113% | 4,017 |
| Net operating income to assets | 0.7454% | 3,627 |
| Return on assets (ROA) | 0.7490% | 3,740 |
| Pretax return on assets | 1.1274% | 3,127 |
| Return on Equity (ROE) | 7.6148% | 3,231 |
| Retained earnings to average equity (ytd only) | 6.7879% | 1,731 |
| Net charge-offs to loans | 0.1735% | 1,326 |
| Credit loss provision to net charge-offs | 8.1861% | 3,375 |
| Earnings coverage of net charge-offs (x) | 8.2067% | 2,797 |
| Efficiency ratio | 62.2555% | 4,178 |
| Assets per employee ($millions) | 8.7134% | 445 |
| Cash dividends to net income (ytd only)* | 10.8589% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,678 |
| Loan loss allowance to noncurrent loans | 429.7183% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 4,380 |
| Noncurrent loans to loans | 0.3031% | 4,166 |
| Net loans and leases to total assets | 77.9040% | 1,215 |
| Net loans and leases to deposits | 101.9895% | 570 |
| Net loans and leases to core deposits | 104.6005% | 1,302 |
| Total domestic deposits to total assets | 76.3843% | 5,183 |
| Equity capital to assets | 9.8834% | 4,264 |
| Core capital (leverage) ratio | 10.5587% | 2,925 |
| Tier 1 risk-based capital ratio | 14.4161% | 3,323 |
| Total risk-based capital ratio | 15.6722% | 3,255 |
| Memoranda: | ||
| Average total assets | $4,918,175,500 | 205 |
| Average earning assets | $4,586,075,000 | 201 |
| Average equity | $483,728,750 | 225 |
| Average total loans | $3,915,688,000 | 189 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 4,206 |
| Cost of funding earning assets | 0.8693% | 338 |
| Net interest margin | 2.8563% | 5,339 |
| Noninterest income to average assets | 0.3447% | 4,317 |
| Noninterest expense to average assets | 1.8936% | 5,462 |
| Loan and lease loss provision to assets | 0.0171% | 3,778 |
| Net operating income to assets | 0.7273% | 3,667 |
| Return on assets (ROA) | 0.7327% | 3,803 |
| Pretax return on assets | 1.1046% | 3,179 |
| Return on Equity (ROE) | 7.4621% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.8355% | 1,697 |
| Net charge-offs to loans | 0.1765% | 1,284 |
| Credit loss provision to net charge-offs | 12.1036% | 2,983 |
| Earnings coverage of net charge-offs (x) | 7.8987% | 2,576 |
| Efficiency ratio | 62.9692% | 4,184 |
| Assets per employee ($millions) | 8.6860% | 442 |
| Cash dividends to net income (ytd only)* | 8.3972% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,451 |
| Loan loss allowance to noncurrent loans | 333.5390% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 4,061 |
| Noncurrent loans to loans | 0.4101% | 3,886 |
| Net loans and leases to total assets | 77.9465% | 1,216 |
| Net loans and leases to deposits | 103.1234% | 504 |
| Net loans and leases to core deposits | 105.8572% | 1,190 |
| Total domestic deposits to total assets | 75.5857% | 5,343 |
| Equity capital to assets | 9.9408% | 4,300 |
| Core capital (leverage) ratio | 10.6108% | 2,839 |
| Tier 1 risk-based capital ratio | 14.5095% | 3,313 |
| Total risk-based capital ratio | 15.7663% | 3,239 |
| Memoranda: | ||
| Average total assets | $4,875,880,330 | 206 |
| Average earning assets | $4,544,895,670 | 202 |
| Average equity | $478,764,000 | 229 |
| Average total loans | $3,893,527,000 | 189 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 4,179 |
| Cost of funding earning assets | 0.8695% | 344 |
| Net interest margin | 2.8682% | 5,368 |
| Noninterest income to average assets | 0.3498% | 4,230 |
| Noninterest expense to average assets | 1.8708% | 5,562 |
| Loan and lease loss provision to assets | 0.0345% | 3,200 |
| Net operating income to assets | 0.7361% | 3,556 |
| Return on assets (ROA) | 0.7435% | 3,625 |
| Pretax return on assets | 1.1275% | 2,980 |
| Return on Equity (ROE) | 7.6202% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.3492% | 2,207 |
| Net charge-offs to loans | 0.0706% | 1,776 |
| Credit loss provision to net charge-offs | 60.7872% | 1,977 |
| Earnings coverage of net charge-offs (x) | 20.2915% | 1,471 |
| Efficiency ratio | 61.9141% | 4,461 |
| Assets per employee ($millions) | 8.6100% | 455 |
| Cash dividends to net income (ytd only)* | 16.6796% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,207 |
| Loan loss allowance to noncurrent loans | 306.8095% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 3,797 |
| Noncurrent loans to loans | 0.4724% | 3,762 |
| Net loans and leases to total assets | 78.6502% | 1,001 |
| Net loans and leases to deposits | 103.1365% | 455 |
| Net loans and leases to core deposits | 105.4700% | 1,110 |
| Total domestic deposits to total assets | 76.2584% | 5,381 |
| Equity capital to assets | 9.8372% | 4,291 |
| Core capital (leverage) ratio | 10.5654% | 2,890 |
| Tier 1 risk-based capital ratio | 14.4618% | 3,412 |
| Total risk-based capital ratio | 15.7199% | 3,346 |
| Memoranda: | ||
| Average total assets | $4,838,309,000 | 208 |
| Average earning assets | $4,507,134,000 | 203 |
| Average equity | $472,060,000 | 230 |
| Average total loans | $3,883,953,500 | 190 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 4,274 |
| Cost of funding earning assets | 0.9306% | 247 |
| Net interest margin | 2.7998% | 5,511 |
| Noninterest income to average assets | 0.3593% | 4,330 |
| Noninterest expense to average assets | 1.8706% | 5,648 |
| Loan and lease loss provision to assets | 0.0652% | 2,983 |
| Net operating income to assets | 0.6832% | 3,893 |
| Return on assets (ROA) | 0.7035% | 3,903 |
| Pretax return on assets | 1.0553% | 3,244 |
| Return on Equity (ROE) | 7.2877% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.9808% | 1,800 |
| Net charge-offs to loans | 0.1432% | 1,919 |
| Credit loss provision to net charge-offs | 57.3783% | 3,290 |
| Earnings coverage of net charge-offs (x) | 9.5997% | 2,803 |
| Efficiency ratio | 63.1793% | 4,414 |
| Assets per employee ($millions) | 8.5017% | 461 |
| Cash dividends to net income (ytd only)* | 17.9329% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 2,195 |
| Loan loss allowance to noncurrent loans | 334.8771% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 3,896 |
| Noncurrent loans to loans | 0.4346% | 3,911 |
| Net loans and leases to total assets | 79.5731% | 908 |
| Net loans and leases to deposits | 105.4968% | 378 |
| Net loans and leases to core deposits | 107.7204% | 985 |
| Total domestic deposits to total assets | 75.4271% | 5,504 |
| Equity capital to assets | 9.6754% | 4,333 |
| Core capital (leverage) ratio | 10.4314% | 3,020 |
| Tier 1 risk-based capital ratio | 14.3751% | 3,507 |
| Total risk-based capital ratio | 15.6338% | 3,421 |
| Memoranda: | ||
| Average total assets | $4,755,918,000 | 203 |
| Average earning assets | $4,419,082,000 | 194 |
| Average equity | $459,104,200 | 226 |
| Average total loans | $3,772,951,000 | 184 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,342 |
| Cost of funding earning assets | 0.9437% | 230 |
| Net interest margin | 2.7813% | 5,616 |
| Noninterest income to average assets | 0.3670% | 4,304 |
| Noninterest expense to average assets | 1.8493% | 5,713 |
| Loan and lease loss provision to assets | 0.0871% | 2,415 |
| Net operating income to assets | 0.6749% | 4,013 |
| Return on assets (ROA) | 0.6990% | 4,016 |
| Pretax return on assets | 1.0500% | 3,413 |
| Return on Equity (ROE) | 7.2452% | 3,500 |
| Retained earnings to average equity (ytd only) | 5.4966% | 2,582 |
| Net charge-offs to loans | 0.1779% | 1,410 |
| Credit loss provision to net charge-offs | 62.0172% | 2,889 |
| Earnings coverage of net charge-offs (x) | 7.8369% | 2,875 |
| Efficiency ratio | 62.6789% | 4,461 |
| Assets per employee ($millions) | 8.4851% | 445 |
| Cash dividends to net income (ytd only)* | 24.1352% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 2,225 |
| Loan loss allowance to noncurrent loans | 268.6987% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 3,803 |
| Noncurrent loans to loans | 0.5522% | 3,684 |
| Net loans and leases to total assets | 79.1560% | 932 |
| Net loans and leases to deposits | 104.6988% | 418 |
| Net loans and leases to core deposits | 107.0043% | 1,035 |
| Total domestic deposits to total assets | 75.6036% | 5,550 |
| Equity capital to assets | 9.8021% | 4,391 |
| Core capital (leverage) ratio | 10.2921% | 3,264 |
| Tier 1 risk-based capital ratio | 14.2727% | 3,686 |
| Total risk-based capital ratio | 15.5315% | 3,609 |
| Memoranda: | ||
| Average total assets | $4,741,902,500 | 205 |
| Average earning assets | $4,404,422,750 | 198 |
| Average equity | $457,486,250 | 229 |
| Average total loans | $3,744,792,250 | 187 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 4,324 |
| Cost of funding earning assets | 0.9507% | 217 |
| Net interest margin | 2.7770% | 5,666 |
| Noninterest income to average assets | 0.3662% | 4,324 |
| Noninterest expense to average assets | 1.8291% | 5,814 |
| Loan and lease loss provision to assets | 0.1114% | 1,975 |
| Net operating income to assets | 0.6702% | 4,032 |
| Return on assets (ROA) | 0.7064% | 3,981 |
| Pretax return on assets | 1.0581% | 3,346 |
| Return on Equity (ROE) | 7.3612% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.0393% | 2,224 |
| Net charge-offs to loans | 0.1886% | 1,327 |
| Credit loss provision to net charge-offs | 75.2142% | 2,396 |
| Earnings coverage of net charge-offs (x) | 7.5340% | 2,658 |
| Efficiency ratio | 62.1159% | 4,664 |
| Assets per employee ($millions) | 8.5539% | 429 |
| Cash dividends to net income (ytd only)* | 17.9576% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 2,159 |
| Loan loss allowance to noncurrent loans | 270.7860% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 3,828 |
| Noncurrent loans to loans | 0.5652% | 3,761 |
| Net loans and leases to total assets | 78.2917% | 1,034 |
| Net loans and leases to deposits | 104.7377% | 419 |
| Net loans and leases to core deposits | 107.1659% | 1,016 |
| Total domestic deposits to total assets | 74.7503% | 5,729 |
| Equity capital to assets | 9.6596% | 4,455 |
| Core capital (leverage) ratio | 10.2534% | 3,280 |
| Tier 1 risk-based capital ratio | 14.4515% | 3,663 |
| Total risk-based capital ratio | 15.7111% | 3,583 |
| Memoranda: | ||
| Average total assets | $4,730,161,000 | 207 |
| Average earning assets | $4,392,068,670 | 201 |
| Average equity | $453,894,670 | 232 |
| Average total loans | $3,713,612,000 | 189 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 4,295 |
| Cost of funding earning assets | 0.9424% | 233 |
| Net interest margin | 2.7785% | 5,689 |
| Noninterest income to average assets | 0.3236% | 4,598 |
| Noninterest expense to average assets | 1.8303% | 5,854 |
| Loan and lease loss provision to assets | 0.1049% | 1,956 |
| Net operating income to assets | 0.6484% | 4,055 |
| Return on assets (ROA) | 0.7099% | 3,873 |
| Pretax return on assets | 1.0639% | 3,243 |
| Return on Equity (ROE) | 7.4227% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.7604% | 3,188 |
| Net charge-offs to loans | -0.0348% | 5,334 |
| Credit loss provision to net charge-offs | -386.2500% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9543% | 4,630 |
| Assets per employee ($millions) | 8.6103% | 415 |
| Cash dividends to net income (ytd only)* | 35.8680% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 1,960 |
| Loan loss allowance to noncurrent loans | 161.8099% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 2,802 |
| Noncurrent loans to loans | 1.0039% | 2,751 |
| Net loans and leases to total assets | 76.9674% | 1,062 |
| Net loans and leases to deposits | 103.0177% | 411 |
| Net loans and leases to core deposits | 105.2290% | 991 |
| Total domestic deposits to total assets | 74.7128% | 5,854 |
| Equity capital to assets | 9.5476% | 4,696 |
| Core capital (leverage) ratio | 10.2209% | 3,317 |
| Tier 1 risk-based capital ratio | 14.3308% | 3,816 |
| Total risk-based capital ratio | 15.5920% | 3,730 |
| Memoranda: | ||
| Average total assets | $4,712,970,500 | 206 |
| Average earning assets | $4,382,572,500 | 199 |
| Average equity | $450,723,000 | 231 |
| Average total loans | $3,676,309,000 | 189 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,638 |
| Cost of funding earning assets | 0.9966% | 233 |
| Net interest margin | 2.7549% | 5,868 |
| Noninterest income to average assets | 0.3326% | 4,729 |
| Noninterest expense to average assets | 1.8161% | 6,051 |
| Loan and lease loss provision to assets | 0.1745% | 1,484 |
| Net operating income to assets | 0.5969% | 4,382 |
| Return on assets (ROA) | 0.5831% | 4,533 |
| Pretax return on assets | 0.8782% | 3,971 |
| Return on Equity (ROE) | 6.0179% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.3426% | 2,376 |
| Net charge-offs to loans | 0.3618% | 1,204 |
| Credit loss provision to net charge-offs | 63.6385% | 3,216 |
| Earnings coverage of net charge-offs (x) | 3.9158% | 3,783 |
| Efficiency ratio | 62.8477% | 4,775 |
| Assets per employee ($millions) | 8.3897% | 459 |
| Cash dividends to net income (ytd only)* | 11.2217% | 4,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,031 |
| Loan loss allowance to noncurrent loans | 119.0251% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 2,394 |
| Noncurrent loans to loans | 1.3605% | 2,160 |
| Net loans and leases to total assets | 76.5067% | 1,194 |
| Net loans and leases to deposits | 102.9812% | 478 |
| Net loans and leases to core deposits | 104.9618% | 1,078 |
| Total domestic deposits to total assets | 74.2919% | 5,925 |
| Equity capital to assets | 9.5796% | 4,619 |
| Core capital (leverage) ratio | 10.2733% | 3,204 |
| Tier 1 risk-based capital ratio | 14.8991% | 3,541 |
| Total risk-based capital ratio | 16.1578% | 3,472 |
| Memoranda: | ||
| Average total assets | $4,585,155,600 | 198 |
| Average earning assets | $4,255,959,400 | 194 |
| Average equity | $444,239,000 | 220 |
| Average total loans | $3,474,472,800 | 184 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,743 |
| Cost of funding earning assets | 1.0084% | 237 |
| Net interest margin | 2.7299% | 5,972 |
| Noninterest income to average assets | 0.3178% | 4,895 |
| Noninterest expense to average assets | 1.7981% | 6,092 |
| Loan and lease loss provision to assets | 0.1753% | 1,403 |
| Net operating income to assets | 0.5796% | 4,542 |
| Return on assets (ROA) | 0.5582% | 4,714 |
| Pretax return on assets | 0.8451% | 4,204 |
| Return on Equity (ROE) | 5.7448% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.8426% | 3,187 |
| Net charge-offs to loans | 0.4469% | 882 |
| Credit loss provision to net charge-offs | 52.1150% | 3,070 |
| Earnings coverage of net charge-offs (x) | 3.1299% | 3,732 |
| Efficiency ratio | 63.0701% | 4,710 |
| Assets per employee ($millions) | 8.3599% | 445 |
| Cash dividends to net income (ytd only)* | 15.7035% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 2,199 |
| Loan loss allowance to noncurrent loans | 99.6318% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 2,363 |
| Noncurrent loans to loans | 1.6355% | 1,993 |
| Net loans and leases to total assets | 75.3428% | 1,317 |
| Net loans and leases to deposits | 102.1799% | 494 |
| Net loans and leases to core deposits | 104.3156% | 1,087 |
| Total domestic deposits to total assets | 73.7354% | 6,036 |
| Equity capital to assets | 9.7712% | 4,456 |
| Core capital (leverage) ratio | 10.1569% | 3,466 |
| Tier 1 risk-based capital ratio | 14.8959% | 3,653 |
| Total risk-based capital ratio | 16.1539% | 3,576 |
| Memoranda: | ||
| Average total assets | $4,563,177,500 | 198 |
| Average earning assets | $4,234,218,500 | 193 |
| Average equity | $443,383,000 | 219 |
| Average total loans | $3,434,577,250 | 184 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,762 |
| Cost of funding earning assets | 1.0246% | 229 |
| Net interest margin | 2.7066% | 6,046 |
| Noninterest income to average assets | 0.2984% | 5,025 |
| Noninterest expense to average assets | 1.8209% | 6,116 |
| Loan and lease loss provision to assets | 0.1763% | 1,391 |
| Net operating income to assets | 0.5450% | 4,623 |
| Return on assets (ROA) | 0.4906% | 4,921 |
| Pretax return on assets | 0.7376% | 4,505 |
| Return on Equity (ROE) | 5.0589% | 4,644 |
| Retained earnings to average equity (ytd only) | 5.0589% | 2,925 |
| Net charge-offs to loans | 0.6256% | 621 |
| Credit loss provision to net charge-offs | 37.6683% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.1262% | 3,626 |
| Efficiency ratio | 64.6622% | 4,588 |
| Assets per employee ($millions) | 8.1789% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 2,281 |
| Loan loss allowance to noncurrent loans | 88.9818% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 2,225 |
| Noncurrent loans to loans | 1.8580% | 1,849 |
| Net loans and leases to total assets | 74.8367% | 1,326 |
| Net loans and leases to deposits | 100.6382% | 522 |
| Net loans and leases to core deposits | 102.4188% | 1,109 |
| Total domestic deposits to total assets | 74.3621% | 6,079 |
| Equity capital to assets | 9.9420% | 4,188 |
| Core capital (leverage) ratio | 10.3275% | 3,169 |
| Tier 1 risk-based capital ratio | 15.2683% | 3,482 |
| Total risk-based capital ratio | 16.5267% | 3,429 |
| Memoranda: | ||
| Average total assets | $4,537,662,670 | 200 |
| Average earning assets | $4,220,859,330 | 192 |
| Average equity | $440,058,670 | 219 |
| Average total loans | $3,394,903,330 | 184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,802 |
| Cost of funding earning assets | 1.0262% | 243 |
| Net interest margin | 2.6865% | 6,123 |
| Noninterest income to average assets | 0.2828% | 5,109 |
| Noninterest expense to average assets | 1.8078% | 6,214 |
| Loan and lease loss provision to assets | 0.1759% | 1,373 |
| Net operating income to assets | 0.5329% | 4,538 |
| Return on assets (ROA) | 0.4380% | 5,043 |
| Pretax return on assets | 0.6596% | 4,632 |
| Return on Equity (ROE) | 4.5733% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.5733% | 3,379 |
| Net charge-offs to loans | 0.9714% | 349 |
| Credit loss provision to net charge-offs | 24.4051% | 2,456 |
| Earnings coverage of net charge-offs (x) | 1.3590% | 3,115 |
| Efficiency ratio | 64.8642% | 4,717 |
| Assets per employee ($millions) | 8.2445% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 2,347 |
| Loan loss allowance to noncurrent loans | 91.6740% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 2,520 |
| Noncurrent loans to loans | 1.8555% | 2,055 |
| Net loans and leases to total assets | 72.3988% | 1,518 |
| Net loans and leases to deposits | 97.5663% | 570 |
| Net loans and leases to core deposits | 99.2764% | 1,150 |
| Total domestic deposits to total assets | 74.2047% | 6,225 |
| Equity capital to assets | 9.6437% | 4,301 |
| Core capital (leverage) ratio | 10.0775% | 3,459 |
| Tier 1 risk-based capital ratio | 15.4087% | 3,495 |
| Total risk-based capital ratio | 16.6680% | 3,439 |
| Memoranda: | ||
| Average total assets | $4,549,108,000 | 198 |
| Average earning assets | $4,240,617,500 | 190 |
| Average equity | $435,659,000 | 221 |
| Average total loans | $3,374,603,500 | 184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 4,369 |
| Cost of funding earning assets | 1.1199% | 250 |
| Net interest margin | 2.8049% | 5,971 |
| Noninterest income to average assets | 0.3920% | 4,508 |
| Noninterest expense to average assets | 1.9412% | 6,119 |
| Loan and lease loss provision to assets | 0.3234% | 1,014 |
| Net operating income to assets | 0.5036% | 4,717 |
| Return on assets (ROA) | 0.5341% | 4,707 |
| Pretax return on assets | 0.7883% | 4,192 |
| Return on Equity (ROE) | 5.6922% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.3773% | 2,366 |
| Net charge-offs to loans | 0.1724% | 3,101 |
| Credit loss provision to net charge-offs | 249.0028% | 914 |
| Earnings coverage of net charge-offs (x) | 8.2136% | 2,707 |
| Efficiency ratio | 64.5333% | 4,807 |
| Assets per employee ($millions) | 8.1489% | 440 |
| Cash dividends to net income (ytd only)* | 5.5310% | 4,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,843 |
| Loan loss allowance to noncurrent loans | 79.4968% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 2,069 |
| Noncurrent loans to loans | 2.3565% | 1,629 |
| Net loans and leases to total assets | 73.3163% | 1,469 |
| Net loans and leases to deposits | 99.3800% | 510 |
| Net loans and leases to core deposits | 101.1336% | 1,081 |
| Total domestic deposits to total assets | 73.7737% | 6,297 |
| Equity capital to assets | 9.5094% | 4,419 |
| Core capital (leverage) ratio | 10.0594% | 3,486 |
| Tier 1 risk-based capital ratio | 15.0137% | 3,658 |
| Total risk-based capital ratio | 16.2752% | 3,590 |
| Memoranda: | ||
| Average total assets | $4,400,579,800 | 196 |
| Average earning assets | $4,104,463,600 | 188 |
| Average equity | $412,918,200 | 225 |
| Average total loans | $3,316,038,000 | 177 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 4,260 |
| Cost of funding earning assets | 1.1317% | 261 |
| Net interest margin | 2.8329% | 5,959 |
| Noninterest income to average assets | 0.4084% | 4,471 |
| Noninterest expense to average assets | 1.9886% | 6,026 |
| Loan and lease loss provision to assets | 0.3508% | 915 |
| Net operating income to assets | 0.4836% | 4,873 |
| Return on assets (ROA) | 0.5245% | 4,846 |
| Pretax return on assets | 0.7727% | 4,407 |
| Return on Equity (ROE) | 5.6089% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.1845% | 2,946 |
| Net charge-offs to loans | 0.1430% | 3,108 |
| Credit loss provision to net charge-offs | 324.8445% | 792 |
| Earnings coverage of net charge-offs (x) | 9.8468% | 2,428 |
| Efficiency ratio | 65.1578% | 4,622 |
| Assets per employee ($millions) | 8.0977% | 447 |
| Cash dividends to net income (ytd only)* | 7.5661% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 2,097 |
| Loan loss allowance to noncurrent loans | 83.1988% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 2,385 |
| Noncurrent loans to loans | 2.2426% | 1,966 |
| Net loans and leases to total assets | 73.6926% | 1,332 |
| Net loans and leases to deposits | 100.0170% | 467 |
| Net loans and leases to core deposits | 101.7671% | 1,007 |
| Total domestic deposits to total assets | 73.6801% | 6,391 |
| Equity capital to assets | 9.1451% | 5,002 |
| Core capital (leverage) ratio | 10.0447% | 3,613 |
| Tier 1 risk-based capital ratio | 14.7100% | 3,942 |
| Total risk-based capital ratio | 15.9706% | 3,898 |
| Memoranda: | ||
| Average total assets | $4,368,033,000 | 193 |
| Average earning assets | $4,076,239,250 | 185 |
| Average equity | $408,435,500 | 225 |
| Average total loans | $3,298,745,500 | 176 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 3,891 |
| Cost of funding earning assets | 1.1476% | 261 |
| Net interest margin | 2.9099% | 5,781 |
| Noninterest income to average assets | 0.3976% | 4,545 |
| Noninterest expense to average assets | 1.9943% | 6,055 |
| Loan and lease loss provision to assets | 0.4155% | 731 |
| Net operating income to assets | 0.4711% | 4,921 |
| Return on assets (ROA) | 0.5302% | 4,832 |
| Pretax return on assets | 0.7942% | 4,333 |
| Return on Equity (ROE) | 5.6279% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.6279% | 2,658 |
| Net charge-offs to loans | 0.2212% | 2,418 |
| Credit loss provision to net charge-offs | 248.2882% | 1,019 |
| Earnings coverage of net charge-offs (x) | 6.7013% | 2,672 |
| Efficiency ratio | 64.0074% | 4,870 |
| Assets per employee ($millions) | 7.9135% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 2,262 |
| Loan loss allowance to noncurrent loans | 91.0356% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5295% | 2,813 |
| Noncurrent loans to loans | 2.0320% | 2,365 |
| Net loans and leases to total assets | 72.5506% | 1,474 |
| Net loans and leases to deposits | 100.4953% | 398 |
| Net loans and leases to core deposits | 102.0772% | 934 |
| Total domestic deposits to total assets | 72.1930% | 6,552 |
| Equity capital to assets | 9.2788% | 4,890 |
| Core capital (leverage) ratio | 10.1164% | 3,341 |
| Tier 1 risk-based capital ratio | 15.2324% | 3,636 |
| Total risk-based capital ratio | 16.4930% | 3,590 |
| Memoranda: | ||
| Average total assets | $4,328,677,000 | 192 |
| Average earning assets | $4,043,445,670 | 184 |
| Average equity | $407,827,670 | 227 |
| Average total loans | $3,275,400,670 | 177 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,570 |
| Cost of funding earning assets | 1.1644% | 266 |
| Net interest margin | 2.9718% | 5,649 |
| Noninterest income to average assets | 0.4401% | 4,182 |
| Noninterest expense to average assets | 1.9625% | 6,178 |
| Loan and lease loss provision to assets | 0.4127% | 741 |
| Net operating income to assets | 0.5594% | 4,418 |
| Return on assets (ROA) | 0.6493% | 4,123 |
| Pretax return on assets | 0.9727% | 3,473 |
| Return on Equity (ROE) | 6.8381% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.8381% | 2,232 |
| Net charge-offs to loans | 0.3694% | 1,535 |
| Credit loss provision to net charge-offs | 145.8952% | 1,393 |
| Earnings coverage of net charge-offs (x) | 4.4233% | 2,562 |
| Efficiency ratio | 61.0668% | 5,436 |
| Assets per employee ($millions) | 7.8446% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 2,969 |
| Loan loss allowance to noncurrent loans | 63.1614% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.1223% | 2,214 |
| Noncurrent loans to loans | 2.7051% | 1,892 |
| Net loans and leases to total assets | 74.9212% | 970 |
| Net loans and leases to deposits | 103.7324% | 237 |
| Net loans and leases to core deposits | 105.4096% | 662 |
| Total domestic deposits to total assets | 72.2255% | 6,646 |
| Equity capital to assets | 9.4919% | 4,859 |
| Core capital (leverage) ratio | 10.1990% | 3,151 |
| Tier 1 risk-based capital ratio | 14.8032% | 3,971 |
| Total risk-based capital ratio | 16.0616% | 3,932 |
| Memoranda: | ||
| Average total assets | $4,289,098,500 | 197 |
| Average earning assets | $4,002,916,000 | 190 |
| Average equity | $407,245,500 | 230 |
| Average total loans | $3,284,011,500 | 177 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 4,067 |
| Cost of funding earning assets | 1.6742% | 81 |
| Net interest margin | 2.6617% | 6,573 |
| Noninterest income to average assets | 0.3133% | 5,211 |
| Noninterest expense to average assets | 3.5112% | 1,787 |
| Loan and lease loss provision to assets | 0.5817% | 957 |
| Net operating income to assets | -0.8248% | 6,684 |
| Return on assets (ROA) | -0.6971% | 6,677 |
| Pretax return on assets | -1.0957% | 6,754 |
| Return on Equity (ROE) | -7.2183% | 6,665 |
| Retained earnings to average equity (ytd only) | -7.8154% | 6,561 |
| Net charge-offs to loans | 0.7996% | 1,463 |
| Credit loss provision to net charge-offs | 100.7645% | 3,008 |
| Earnings coverage of net charge-offs (x) | -1.2359% | 5,778 |
| Efficiency ratio | 125.5046% | 174 |
| Assets per employee ($millions) | 7.7803% | 559 |
| Cash dividends to net income (ytd only)* | -8.2729% | 7,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 3,017 |
| Loan loss allowance to noncurrent loans | 67.4787% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 2,506 |
| Noncurrent loans to loans | 2.4855% | 2,134 |
| Net loans and leases to total assets | 75.6248% | 975 |
| Net loans and leases to deposits | 105.9512% | 225 |
| Net loans and leases to core deposits | 107.7455% | 619 |
| Total domestic deposits to total assets | 71.3770% | 6,721 |
| Equity capital to assets | 9.4980% | 4,875 |
| Core capital (leverage) ratio | 10.1928% | 3,154 |
| Tier 1 risk-based capital ratio | 14.7778% | 3,849 |
| Total risk-based capital ratio | 16.0357% | 3,797 |
| Memoranda: | ||
| Average total assets | $4,508,692,400 | 182 |
| Average earning assets | $4,208,253,800 | 177 |
| Average equity | $435,394,600 | 219 |
| Average total loans | $3,255,493,800 | 172 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 4,347 |
| Cost of funding earning assets | 1.6874% | 89 |
| Net interest margin | 2.6380% | 6,718 |
| Noninterest income to average assets | 0.2901% | 5,460 |
| Noninterest expense to average assets | 1.8647% | 6,590 |
| Loan and lease loss provision to assets | 0.4216% | 1,513 |
| Net operating income to assets | 0.3151% | 5,561 |
| Return on assets (ROA) | 0.3908% | 5,497 |
| Pretax return on assets | 0.5794% | 5,234 |
| Return on Equity (ROE) | 4.0313% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.2491% | 4,581 |
| Net charge-offs to loans | 0.6873% | 1,603 |
| Credit loss provision to net charge-offs | 86.2701% | 3,423 |
| Earnings coverage of net charge-offs (x) | 1.8171% | 4,354 |
| Efficiency ratio | 67.7388% | 4,115 |
| Assets per employee ($millions) | 8.5442% | 388 |
| Cash dividends to net income (ytd only)* | 19.4030% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 3,442 |
| Loan loss allowance to noncurrent loans | 57.7291% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.9966% | 2,641 |
| Noncurrent loans to loans | 2.8095% | 2,003 |
| Net loans and leases to total assets | 68.2531% | 2,256 |
| Net loans and leases to deposits | 105.9194% | 238 |
| Net loans and leases to core deposits | 107.8928% | 654 |
| Total domestic deposits to total assets | 64.4387% | 7,006 |
| Equity capital to assets | 9.7224% | 4,895 |
| Core capital (leverage) ratio | 10.2599% | 3,211 |
| Tier 1 risk-based capital ratio | 16.2502% | 3,132 |
| Total risk-based capital ratio | 17.5066% | 3,095 |
| Memoranda: | ||
| Average total assets | $4,571,905,250 | 185 |
| Average earning assets | $4,268,055,750 | 181 |
| Average equity | $443,188,500 | 218 |
| Average total loans | $3,251,024,750 | 172 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 4,153 |
| Cost of funding earning assets | 1.7110% | 99 |
| Net interest margin | 2.6976% | 6,710 |
| Noninterest income to average assets | 0.2854% | 5,532 |
| Noninterest expense to average assets | 1.8698% | 6,656 |
| Loan and lease loss provision to assets | 0.4353% | 1,490 |
| Net operating income to assets | 0.3191% | 5,550 |
| Return on assets (ROA) | 0.4082% | 5,424 |
| Pretax return on assets | 0.6306% | 5,026 |
| Return on Equity (ROE) | 4.2154% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.6245% | 4,185 |
| Net charge-offs to loans | 0.6762% | 1,636 |
| Credit loss provision to net charge-offs | 89.7867% | 3,055 |
| Earnings coverage of net charge-offs (x) | 1.9158% | 4,021 |
| Efficiency ratio | 66.8103% | 4,358 |
| Assets per employee ($millions) | 8.4671% | 382 |
| Cash dividends to net income (ytd only)* | 14.0177% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 3,382 |
| Loan loss allowance to noncurrent loans | 67.2255% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.7688% | 3,082 |
| Noncurrent loans to loans | 2.4736% | 2,429 |
| Net loans and leases to total assets | 68.9115% | 2,116 |
| Net loans and leases to deposits | 108.9966% | 165 |
| Net loans and leases to core deposits | 110.9445% | 547 |
| Total domestic deposits to total assets | 63.2236% | 7,098 |
| Equity capital to assets | 9.6716% | 4,792 |
| Core capital (leverage) ratio | 10.3140% | 3,031 |
| Tier 1 risk-based capital ratio | 16.0183% | 3,160 |
| Total risk-based capital ratio | 17.2749% | 3,127 |
| Memoranda: | ||
| Average total assets | $4,543,680,000 | 185 |
| Average earning assets | $4,233,239,330 | 181 |
| Average equity | $440,007,670 | 214 |
| Average total loans | $3,257,812,330 | 170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 4,057 |
| Cost of funding earning assets | 1.7337% | 111 |
| Net interest margin | 2.7295% | 6,740 |
| Noninterest income to average assets | 0.2634% | 5,764 |
| Noninterest expense to average assets | 1.8585% | 6,722 |
| Loan and lease loss provision to assets | 0.3761% | 1,679 |
| Net operating income to assets | 0.3547% | 5,458 |
| Return on assets (ROA) | 0.4055% | 5,414 |
| Pretax return on assets | 0.6432% | 4,959 |
| Return on Equity (ROE) | 4.1848% | 5,208 |
| Retained earnings to average equity (ytd only) | 2.9967% | 4,754 |
| Net charge-offs to loans | 0.7894% | 1,303 |
| Credit loss provision to net charge-offs | 65.6922% | 3,005 |
| Earnings coverage of net charge-offs (x) | 1.6416% | 3,503 |
| Efficiency ratio | 66.4135% | 4,481 |
| Assets per employee ($millions) | 8.4511% | 399 |
| Cash dividends to net income (ytd only)* | 28.3905% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,643 |
| Loan loss allowance to noncurrent loans | 57.6749% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.0606% | 2,811 |
| Noncurrent loans to loans | 2.8090% | 2,296 |
| Net loans and leases to total assets | 69.9663% | 1,759 |
| Net loans and leases to deposits | 111.2853% | 122 |
| Net loans and leases to core deposits | 113.3264% | 443 |
| Total domestic deposits to total assets | 62.8711% | 7,156 |
| Equity capital to assets | 9.6643% | 4,569 |
| Core capital (leverage) ratio | 10.3020% | 2,991 |
| Tier 1 risk-based capital ratio | 16.0403% | 3,157 |
| Total risk-based capital ratio | 17.2967% | 3,118 |
| Memoranda: | ||
| Average total assets | $4,516,700,000 | 183 |
| Average earning assets | $4,194,865,500 | 177 |
| Average equity | $437,678,000 | 212 |
| Average total loans | $3,275,778,500 | 167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 3,723 |
| Cost of funding earning assets | 1.9342% | 127 |
| Net interest margin | 2.8844% | 6,714 |
| Noninterest income to average assets | 0.3010% | 5,380 |
| Noninterest expense to average assets | 1.8565% | 6,884 |
| Loan and lease loss provision to assets | 0.4659% | 2,276 |
| Net operating income to assets | 0.3893% | 4,913 |
| Return on assets (ROA) | 0.4403% | 4,895 |
| Pretax return on assets | 0.6703% | 4,437 |
| Return on Equity (ROE) | 4.6669% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.6669% | 2,875 |
| Net charge-offs to loans | 0.5758% | 2,721 |
| Credit loss provision to net charge-offs | 110.0321% | 3,047 |
| Earnings coverage of net charge-offs (x) | 2.5010% | 3,962 |
| Efficiency ratio | 63.6796% | 5,181 |
| Assets per employee ($millions) | 8.2777% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,523 |
| Loan loss allowance to noncurrent loans | 57.6289% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.8525% | 3,183 |
| Noncurrent loans to loans | 2.4093% | 2,715 |
| Net loans and leases to total assets | 72.9307% | 1,470 |
| Net loans and leases to deposits | 116.8336% | 100 |
| Net loans and leases to core deposits | 118.9270% | 376 |
| Total domestic deposits to total assets | 62.4227% | 7,198 |
| Equity capital to assets | 9.7165% | 4,572 |
| Core capital (leverage) ratio | 10.3635% | 2,891 |
| Tier 1 risk-based capital ratio | 15.9333% | 3,078 |
| Total risk-based capital ratio | 17.1873% | 3,037 |
| Memoranda: | ||
| Average total assets | $4,555,627,000 | 179 |
| Average earning assets | $4,129,212,400 | 179 |
| Average equity | $429,838,400 | 205 |
| Average total loans | $3,349,930,800 | 166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 3,842 |
| Cost of funding earning assets | 1.9638% | 138 |
| Net interest margin | 2.8742% | 6,794 |
| Noninterest income to average assets | 0.2989% | 5,473 |
| Noninterest expense to average assets | 1.8547% | 6,913 |
| Loan and lease loss provision to assets | 0.4517% | 2,206 |
| Net operating income to assets | 0.3876% | 5,049 |
| Return on assets (ROA) | 0.4645% | 4,894 |
| Pretax return on assets | 0.7049% | 4,458 |
| Return on Equity (ROE) | 4.9590% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.9590% | 3,194 |
| Net charge-offs to loans | 0.5973% | 2,469 |
| Credit loss provision to net charge-offs | 102.9900% | 3,233 |
| Earnings coverage of net charge-offs (x) | 2.3715% | 3,942 |
| Efficiency ratio | 64.0693% | 5,052 |
| Assets per employee ($millions) | 8.4703% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,819 |
| Loan loss allowance to noncurrent loans | 54.6522% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 3,365 |
| Noncurrent loans to loans | 2.4497% | 2,825 |
| Net loans and leases to total assets | 71.5638% | 1,805 |
| Net loans and leases to deposits | 113.9045% | 132 |
| Net loans and leases to core deposits | 115.8724% | 500 |
| Total domestic deposits to total assets | 62.8279% | 7,263 |
| Equity capital to assets | 9.6026% | 4,931 |
| Core capital (leverage) ratio | 10.0531% | 3,366 |
| Tier 1 risk-based capital ratio | 15.5663% | 3,349 |
| Total risk-based capital ratio | 16.8193% | 3,308 |
| Memoranda: | ||
| Average total assets | $4,574,976,000 | 177 |
| Average earning assets | $4,132,221,250 | 179 |
| Average equity | $428,515,750 | 205 |
| Average total loans | $3,359,416,000 | 165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 3,741 |
| Cost of funding earning assets | 1.9956% | 147 |
| Net interest margin | 2.8777% | 6,833 |
| Noninterest income to average assets | 0.3055% | 5,454 |
| Noninterest expense to average assets | 1.8994% | 6,948 |
| Loan and lease loss provision to assets | 0.4515% | 2,160 |
| Net operating income to assets | 0.3555% | 5,154 |
| Return on assets (ROA) | 0.4420% | 4,897 |
| Pretax return on assets | 0.6921% | 4,411 |
| Return on Equity (ROE) | 4.7594% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.7594% | 3,151 |
| Net charge-offs to loans | 0.3846% | 3,023 |
| Credit loss provision to net charge-offs | 159.2318% | 1,908 |
| Earnings coverage of net charge-offs (x) | 3.5559% | 3,135 |
| Efficiency ratio | 65.3229% | 4,997 |
| Assets per employee ($millions) | 8.3922% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 4,436 |
| Loan loss allowance to noncurrent loans | 54.9897% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.9759% | 3,267 |
| Noncurrent loans to loans | 2.6031% | 2,775 |
| Net loans and leases to total assets | 72.7690% | 1,636 |
| Net loans and leases to deposits | 118.9235% | 93 |
| Net loans and leases to core deposits | 120.9463% | 397 |
| Total domestic deposits to total assets | 61.1897% | 7,362 |
| Equity capital to assets | 9.5491% | 4,735 |
| Core capital (leverage) ratio | 10.0327% | 3,224 |
| Tier 1 risk-based capital ratio | 15.3005% | 3,348 |
| Total risk-based capital ratio | 16.5549% | 3,299 |
| Memoranda: | ||
| Average total assets | $4,572,486,670 | 180 |
| Average earning assets | $4,134,948,330 | 180 |
| Average equity | $424,675,670 | 207 |
| Average total loans | $3,371,264,330 | 166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 3,557 |
| Cost of funding earning assets | 2.0412% | 147 |
| Net interest margin | 2.8648% | 6,811 |
| Noninterest income to average assets | 0.3117% | 5,437 |
| Noninterest expense to average assets | 2.0165% | 6,804 |
| Loan and lease loss provision to assets | 0.4441% | 1,985 |
| Net operating income to assets | 0.2824% | 5,495 |
| Return on assets (ROA) | 0.4616% | 4,741 |
| Pretax return on assets | 0.7126% | 4,256 |
| Return on Equity (ROE) | 5.0399% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.0399% | 3,166 |
| Net charge-offs to loans | 0.2481% | 3,095 |
| Credit loss provision to net charge-offs | 242.9252% | 1,285 |
| Earnings coverage of net charge-offs (x) | 4.8194% | 2,391 |
| Efficiency ratio | 69.5942% | 4,357 |
| Assets per employee ($millions) | 8.3955% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,711 |
| Loan loss allowance to noncurrent loans | 49.9543% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 3,219 |
| Noncurrent loans to loans | 2.7830% | 2,718 |
| Net loans and leases to total assets | 73.2059% | 1,480 |
| Net loans and leases to deposits | 121.5411% | 83 |
| Net loans and leases to core deposits | 123.4303% | 358 |
| Total domestic deposits to total assets | 60.2314% | 7,432 |
| Equity capital to assets | 9.2468% | 4,822 |
| Core capital (leverage) ratio | 9.8540% | 3,329 |
| Tier 1 risk-based capital ratio | 14.9450% | 3,455 |
| Total risk-based capital ratio | 16.1988% | 3,413 |
| Memoranda: | ||
| Average total assets | $4,592,833,000 | 180 |
| Average earning assets | $4,145,563,500 | 179 |
| Average equity | $420,641,500 | 206 |
| Average total loans | $3,384,081,500 | 165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 3,570 |
| Cost of funding earning assets | 2.2961% | 214 |
| Net interest margin | 2.9112% | 6,876 |
| Noninterest income to average assets | 0.3089% | 5,592 |
| Noninterest expense to average assets | 1.7297% | 7,326 |
| Loan and lease loss provision to assets | 0.4536% | 3,402 |
| Net operating income to assets | 0.4634% | 4,257 |
| Return on assets (ROA) | 0.4566% | 4,452 |
| Pretax return on assets | 0.7098% | 3,944 |
| Return on Equity (ROE) | 4.7231% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.5594% | 3,370 |
| Net charge-offs to loans | 0.3786% | 4,150 |
| Credit loss provision to net charge-offs | 162.8252% | 2,128 |
| Earnings coverage of net charge-offs (x) | 4.2142% | 3,017 |
| Efficiency ratio | 59.5703% | 6,110 |
| Assets per employee ($millions) | 8.4742% | 397 |
| Cash dividends to net income (ytd only)* | 24.6375% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,992 |
| Loan loss allowance to noncurrent loans | 48.8890% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 3,338 |
| Noncurrent loans to loans | 2.6627% | 2,853 |
| Net loans and leases to total assets | 72.1818% | 2,062 |
| Net loans and leases to deposits | 123.3051% | 100 |
| Net loans and leases to core deposits | 125.3561% | 398 |
| Total domestic deposits to total assets | 58.5391% | 7,521 |
| Equity capital to assets | 9.0718% | 5,041 |
| Core capital (leverage) ratio | 9.6033% | 3,554 |
| Tier 1 risk-based capital ratio | 14.6466% | 3,453 |
| Total risk-based capital ratio | 15.8966% | 3,416 |
| Memoranda: | ||
| Average total assets | $4,622,484,000 | 180 |
| Average earning assets | $4,120,022,400 | 179 |
| Average equity | $446,868,200 | 200 |
| Average total loans | $3,400,857,000 | 164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 3,541 |
| Cost of funding earning assets | 2.3413% | 237 |
| Net interest margin | 2.9164% | 6,983 |
| Noninterest income to average assets | 0.3038% | 5,721 |
| Noninterest expense to average assets | 1.7266% | 7,417 |
| Loan and lease loss provision to assets | 0.4281% | 3,344 |
| Net operating income to assets | 0.4750% | 4,420 |
| Return on assets (ROA) | 0.4590% | 4,677 |
| Pretax return on assets | 0.7210% | 4,170 |
| Return on Equity (ROE) | 4.6754% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.1471% | 4,231 |
| Net charge-offs to loans | 0.3817% | 3,767 |
| Credit loss provision to net charge-offs | 152.2212% | 2,551 |
| Earnings coverage of net charge-offs (x) | 4.1751% | 3,161 |
| Efficiency ratio | 59.5244% | 6,024 |
| Assets per employee ($millions) | 8.4837% | 422 |
| Cash dividends to net income (ytd only)* | 32.6880% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 5,475 |
| Loan loss allowance to noncurrent loans | 45.3962% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 3,527 |
| Noncurrent loans to loans | 2.6504% | 2,980 |
| Net loans and leases to total assets | 72.3718% | 2,175 |
| Net loans and leases to deposits | 126.7010% | 82 |
| Net loans and leases to core deposits | 129.1653% | 393 |
| Total domestic deposits to total assets | 57.1202% | 7,631 |
| Equity capital to assets | 9.9223% | 4,262 |
| Core capital (leverage) ratio | 10.2966% | 2,924 |
| Tier 1 risk-based capital ratio | 15.6316% | 2,940 |
| Total risk-based capital ratio | 16.8816% | 2,900 |
| Memoranda: | ||
| Average total assets | $4,621,374,000 | 178 |
| Average earning assets | $4,115,066,750 | 179 |
| Average equity | $453,649,250 | 194 |
| Average total loans | $3,405,110,000 | 165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 3,350 |
| Cost of funding earning assets | 2.3674% | 267 |
| Net interest margin | 2.9573% | 6,923 |
| Noninterest income to average assets | 0.2981% | 5,763 |
| Noninterest expense to average assets | 1.7360% | 7,472 |
| Loan and lease loss provision to assets | 0.4506% | 3,070 |
| Net operating income to assets | 0.4707% | 4,461 |
| Return on assets (ROA) | 0.4835% | 4,558 |
| Pretax return on assets | 0.7629% | 4,016 |
| Return on Equity (ROE) | 4.9430% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.7895% | 3,683 |
| Net charge-offs to loans | 0.4360% | 3,242 |
| Credit loss provision to net charge-offs | 139.9650% | 2,868 |
| Earnings coverage of net charge-offs (x) | 3.7076% | 3,207 |
| Efficiency ratio | 59.2579% | 6,177 |
| Assets per employee ($millions) | 8.2687% | 452 |
| Cash dividends to net income (ytd only)* | 23.3351% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,699 |
| Loan loss allowance to noncurrent loans | 42.3300% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 3,467 |
| Noncurrent loans to loans | 2.7126% | 2,941 |
| Net loans and leases to total assets | 72.2412% | 2,337 |
| Net loans and leases to deposits | 127.7891% | 79 |
| Net loans and leases to core deposits | 130.3024% | 417 |
| Total domestic deposits to total assets | 56.5316% | 7,705 |
| Equity capital to assets | 9.9161% | 4,115 |
| Core capital (leverage) ratio | 10.2921% | 2,834 |
| Tier 1 risk-based capital ratio | 15.3954% | 2,958 |
| Total risk-based capital ratio | 16.6454% | 2,923 |
| Memoranda: | ||
| Average total assets | $4,609,311,670 | 178 |
| Average earning assets | $4,101,429,000 | 178 |
| Average equity | $450,820,670 | 195 |
| Average total loans | $3,402,876,330 | 162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 3,075 |
| Cost of funding earning assets | 2.3723% | 331 |
| Net interest margin | 3.0188% | 6,787 |
| Noninterest income to average assets | 0.2877% | 5,842 |
| Noninterest expense to average assets | 1.7338% | 7,546 |
| Loan and lease loss provision to assets | 0.4054% | 2,935 |
| Net operating income to assets | 0.5428% | 4,168 |
| Return on assets (ROA) | 0.5425% | 4,305 |
| Pretax return on assets | 0.8587% | 3,631 |
| Return on Equity (ROE) | 5.5862% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.2556% | 4,192 |
| Net charge-offs to loans | 0.2595% | 3,376 |
| Credit loss provision to net charge-offs | 210.5335% | 1,769 |
| Earnings coverage of net charge-offs (x) | 6.5660% | 2,203 |
| Efficiency ratio | 57.8269% | 6,514 |
| Assets per employee ($millions) | 8.0907% | 500 |
| Cash dividends to net income (ytd only)* | 41.7202% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,869 |
| Loan loss allowance to noncurrent loans | 54.4881% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.5760% | 4,135 |
| Noncurrent loans to loans | 2.0719% | 3,690 |
| Net loans and leases to total assets | 72.9705% | 2,208 |
| Net loans and leases to deposits | 129.1485% | 82 |
| Net loans and leases to core deposits | 131.7222% | 445 |
| Total domestic deposits to total assets | 56.5012% | 7,792 |
| Equity capital to assets | 9.7114% | 4,214 |
| Core capital (leverage) ratio | 10.2278% | 2,895 |
| Tier 1 risk-based capital ratio | 15.0872% | 3,071 |
| Total risk-based capital ratio | 16.3112% | 3,043 |
| Memoranda: | ||
| Average total assets | $4,594,607,000 | 183 |
| Average earning assets | $4,125,300,500 | 181 |
| Average equity | $446,241,500 | 197 |
| Average total loans | $3,409,317,000 | 165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4918% | 4,187 |
| Cost of funding earning assets | 2.7385% | 532 |
| Net interest margin | 2.7532% | 7,136 |
| Noninterest income to average assets | 0.3219% | 5,788 |
| Noninterest expense to average assets | 1.7293% | 7,673 |
| Loan and lease loss provision to assets | 0.3824% | 4,495 |
| Net operating income to assets | 0.4784% | 3,821 |
| Return on assets (ROA) | 0.4432% | 4,077 |
| Pretax return on assets | 0.6608% | 3,704 |
| Return on Equity (ROE) | 4.5246% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.3695% | 2,812 |
| Net charge-offs to loans | 0.2106% | 5,307 |
| Credit loss provision to net charge-offs | 246.2304% | 1,447 |
| Earnings coverage of net charge-offs (x) | 7.0552% | 2,231 |
| Efficiency ratio | 61.2159% | 6,291 |
| Assets per employee ($millions) | 7.9333% | 532 |
| Cash dividends to net income (ytd only)* | 25.5302% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 6,071 |
| Loan loss allowance to noncurrent loans | 50.4254% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.6379% | 3,916 |
| Noncurrent loans to loans | 2.1100% | 3,500 |
| Net loans and leases to total assets | 73.8107% | 2,314 |
| Net loans and leases to deposits | 132.7748% | 78 |
| Net loans and leases to core deposits | 152.1750% | 460 |
| Total domestic deposits to total assets | 55.5909% | 7,859 |
| Equity capital to assets | 9.7132% | 4,132 |
| Core capital (leverage) ratio | 10.2246% | 2,860 |
| Tier 1 risk-based capital ratio | 14.6877% | 3,109 |
| Total risk-based capital ratio | 15.8233% | 3,117 |
| Memoranda: | ||
| Average total assets | $4,595,165,200 | 186 |
| Average earning assets | $4,177,631,800 | 181 |
| Average equity | $450,160,200 | 197 |
| Average total loans | $3,388,973,600 | 171 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 4,339 |
| Cost of funding earning assets | 2.8242% | 559 |
| Net interest margin | 2.6918% | 7,225 |
| Noninterest income to average assets | 0.3221% | 5,903 |
| Noninterest expense to average assets | 1.7293% | 7,730 |
| Loan and lease loss provision to assets | 0.2883% | 4,670 |
| Net operating income to assets | 0.5094% | 3,944 |
| Return on assets (ROA) | 0.4629% | 4,251 |
| Pretax return on assets | 0.6845% | 3,910 |
| Return on Equity (ROE) | 4.7153% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.1798% | 3,535 |
| Net charge-offs to loans | 0.1946% | 4,845 |
| Credit loss provision to net charge-offs | 201.4786% | 2,214 |
| Earnings coverage of net charge-offs (x) | 7.2761% | 2,434 |
| Efficiency ratio | 62.4164% | 6,034 |
| Assets per employee ($millions) | 8.0645% | 502 |
| Cash dividends to net income (ytd only)* | 32.5631% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,676 |
| Loan loss allowance to noncurrent loans | 44.6322% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 4,038 |
| Noncurrent loans to loans | 2.0593% | 3,549 |
| Net loans and leases to total assets | 72.1087% | 3,010 |
| Net loans and leases to deposits | 131.1712% | 103 |
| Net loans and leases to core deposits | 149.8425% | 583 |
| Total domestic deposits to total assets | 54.9730% | 7,937 |
| Equity capital to assets | 10.0098% | 4,074 |
| Core capital (leverage) ratio | 10.1000% | 3,174 |
| Tier 1 risk-based capital ratio | 14.6369% | 3,204 |
| Total risk-based capital ratio | 15.6068% | 3,293 |
| Memoranda: | ||
| Average total assets | $4,599,578,000 | 193 |
| Average earning assets | $4,183,804,000 | 190 |
| Average equity | $451,544,250 | 200 |
| Average total loans | $3,382,459,750 | 179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 4,330 |
| Cost of funding earning assets | 2.8981% | 612 |
| Net interest margin | 2.6534% | 7,296 |
| Noninterest income to average assets | 0.3220% | 5,933 |
| Noninterest expense to average assets | 1.7582% | 7,786 |
| Loan and lease loss provision to assets | 0.2774% | 4,360 |
| Net operating income to assets | 0.4721% | 4,210 |
| Return on assets (ROA) | 0.4509% | 4,393 |
| Pretax return on assets | 0.6717% | 4,096 |
| Return on Equity (ROE) | 4.6231% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.4621% | 3,387 |
| Net charge-offs to loans | 0.2475% | 3,959 |
| Credit loss provision to net charge-offs | 151.8598% | 3,028 |
| Earnings coverage of net charge-offs (x) | 5.3698% | 2,848 |
| Efficiency ratio | 64.1921% | 5,876 |
| Assets per employee ($millions) | 7.8530% | 524 |
| Cash dividends to net income (ytd only)* | 25.1135% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 7,014 |
| Loan loss allowance to noncurrent loans | 44.5140% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 4,169 |
| Noncurrent loans to loans | 1.8886% | 3,683 |
| Net loans and leases to total assets | 71.3518% | 3,393 |
| Net loans and leases to deposits | 131.6234% | 108 |
| Net loans and leases to core deposits | 151.7448% | 608 |
| Total domestic deposits to total assets | 54.2090% | 8,026 |
| Equity capital to assets | 9.7591% | 4,272 |
| Core capital (leverage) ratio | 9.9859% | 3,313 |
| Tier 1 risk-based capital ratio | 15.0672% | 2,995 |
| Total risk-based capital ratio | 15.9790% | 3,070 |
| Memoranda: | ||
| Average total assets | $4,592,460,000 | 198 |
| Average earning assets | $4,183,261,670 | 195 |
| Average equity | $447,877,670 | 204 |
| Average total loans | $3,388,945,000 | 186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5658% | 4,542 |
| Cost of funding earning assets | 2.9228% | 730 |
| Net interest margin | 2.6429% | 7,308 |
| Noninterest income to average assets | 0.3015% | 6,030 |
| Noninterest expense to average assets | 1.6644% | 7,858 |
| Loan and lease loss provision to assets | 0.2845% | 3,683 |
| Net operating income to assets | 0.5389% | 4,262 |
| Return on assets (ROA) | 0.4580% | 4,799 |
| Pretax return on assets | 0.6700% | 4,523 |
| Return on Equity (ROE) | 4.6983% | 4,611 |
| Retained earnings to average equity (ytd only) | 2.3631% | 4,559 |
| Net charge-offs to loans | 0.2694% | 3,052 |
| Credit loss provision to net charge-offs | 141.3223% | 2,890 |
| Earnings coverage of net charge-offs (x) | 5.3323% | 2,693 |
| Efficiency ratio | 60.7925% | 6,280 |
| Assets per employee ($millions) | 7.9615% | 510 |
| Cash dividends to net income (ytd only)* | 49.7037% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 7,163 |
| Loan loss allowance to noncurrent loans | 43.2451% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 3,870 |
| Noncurrent loans to loans | 1.8438% | 3,497 |
| Net loans and leases to total assets | 72.2158% | 3,197 |
| Net loans and leases to deposits | 134.1690% | 118 |
| Net loans and leases to core deposits | 153.8759% | 603 |
| Total domestic deposits to total assets | 53.8245% | 8,072 |
| Equity capital to assets | 9.7088% | 4,372 |
| Core capital (leverage) ratio | 9.9466% | 3,461 |
| Tier 1 risk-based capital ratio | 15.0069% | 3,067 |
| Total risk-based capital ratio | 15.8827% | 3,169 |
| Memoranda: | ||
| Average total assets | $4,568,139,000 | 195 |
| Average earning assets | $4,211,101,000 | 193 |
| Average equity | $445,352,500 | 205 |
| Average total loans | $3,413,626,000 | 187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7961% | 6,447 |
| Cost of funding earning assets | 3.1020% | 1,498 |
| Net interest margin | 2.6941% | 7,506 |
| Noninterest income to average assets | 0.3376% | 6,038 |
| Noninterest expense to average assets | 1.5979% | 7,966 |
| Loan and lease loss provision to assets | 0.1682% | 5,227 |
| Net operating income to assets | 0.7099% | 3,847 |
| Return on assets (ROA) | 0.6693% | 3,874 |
| Pretax return on assets | 1.0311% | 3,266 |
| Return on Equity (ROE) | 6.7887% | 3,627 |
| Retained earnings to average equity (ytd only) | 5.5933% | 1,717 |
| Net charge-offs to loans | 0.0724% | 5,730 |
| Credit loss provision to net charge-offs | 316.0494% | 1,427 |
| Earnings coverage of net charge-offs (x) | 23.7050% | 1,410 |
| Efficiency ratio | 55.8747% | 7,031 |
| Assets per employee ($millions) | 7.7502% | 505 |
| Cash dividends to net income (ytd only)* | 17.6074% | 4,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 7,291 |
| Loan loss allowance to noncurrent loans | 54.0879% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.1056% | 4,067 |
| Noncurrent loans to loans | 1.3840% | 3,752 |
| Net loans and leases to total assets | 76.1324% | 2,585 |
| Net loans and leases to deposits | 143.9674% | 94 |
| Net loans and leases to core deposits | 165.0362% | 492 |
| Total domestic deposits to total assets | 52.8817% | 8,100 |
| Equity capital to assets | 9.7904% | 4,304 |
| Core capital (leverage) ratio | 10.1101% | 3,349 |
| Tier 1 risk-based capital ratio | 14.7452% | 3,178 |
| Total risk-based capital ratio | 15.5820% | 3,299 |
| Memoranda: | ||
| Average total assets | $4,412,670,200 | 195 |
| Average earning assets | $4,131,055,200 | 189 |
| Average equity | $435,034,800 | 207 |
| Average total loans | $3,246,580,800 | 192 |