Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 4,001 |
| Cost of funding earning assets | 0.7763% | 3,796 |
| Net interest margin | 3.1995% | 2,879 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.3016% | 2,851 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9643% | 2,322 |
| Return on assets (ROA) | 0.6910% | 3,191 |
| Pretax return on assets | 0.8755% | 3,025 |
| Return on Equity (ROE) | 8.6500% | 2,846 |
| Retained earnings to average equity (ytd only) | 1.2777% | 3,764 |
| Net charge-offs to loans | 0.0913% | 968 |
| Credit loss provision to net charge-offs | 166.3183% | 1,374 |
| Earnings coverage of net charge-offs (x) | 23.6785% | 1,786 |
| Efficiency ratio | 62.6013% | 2,770 |
| Assets per employee ($millions) | 7.5513% | 1,697 |
| Cash dividends to net income (ytd only)* | 85.2227% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 4,142 |
| Loan loss allowance to noncurrent loans | 122.8652% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,512 |
| Noncurrent loans to loans | 0.5623% | 1,394 |
| Net loans and leases to total assets | 62.9400% | 2,580 |
| Net loans and leases to deposits | 73.2683% | 2,671 |
| Net loans and leases to core deposits | 75.8378% | 2,989 |
| Total domestic deposits to total assets | 85.9000% | 2,053 |
| Equity capital to assets | 8.4283% | 3,102 |
| Core capital (leverage) ratio | 7.7014% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8196% | 2,298 |
| Memoranda: | ||
| Average total assets | $15,197,846,000 | 123 |
| Average earning assets | $13,610,249,600 | 120 |
| Average equity | $1,214,605,000 | 145 |
| Average total loans | $9,224,341,000 | 132 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,038 |
| Cost of funding earning assets | 0.5559% | 3,869 |
| Net interest margin | 3.2306% | 2,911 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.2113% | 3,039 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0684% | 2,212 |
| Return on assets (ROA) | 0.5223% | 3,769 |
| Pretax return on assets | 0.6653% | 3,675 |
| Return on Equity (ROE) | 6.5600% | 3,570 |
| Retained earnings to average equity (ytd only) | 1.5933% | 3,807 |
| Net charge-offs to loans | 0.0786% | 798 |
| Credit loss provision to net charge-offs | 161.8522% | 1,152 |
| Earnings coverage of net charge-offs (x) | 30.7055% | 1,535 |
| Efficiency ratio | 59.5846% | 3,009 |
| Assets per employee ($millions) | 6.6857% | 2,144 |
| Cash dividends to net income (ytd only)* | 75.6983% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 4,195 |
| Loan loss allowance to noncurrent loans | 191.2445% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,046 |
| Noncurrent loans to loans | 0.3628% | 1,839 |
| Net loans and leases to total assets | 61.2300% | 2,647 |
| Net loans and leases to deposits | 69.6345% | 2,812 |
| Net loans and leases to core deposits | 71.0750% | 3,060 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 8.2689% | 3,040 |
| Core capital (leverage) ratio | 7.8088% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3622% | 2,150 |
| Memoranda: | ||
| Average total assets | $15,174,177,333 | 119 |
| Average earning assets | $13,597,326,333 | 117 |
| Average equity | $1,208,947,333 | 144 |
| Average total loans | $8,988,424,000 | 131 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 4,082 |
| Cost of funding earning assets | 0.4389% | 3,866 |
| Net interest margin | 3.2232% | 3,059 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.2262% | 3,026 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0523% | 2,372 |
| Return on assets (ROA) | -0.0691% | 4,507 |
| Pretax return on assets | -0.0844% | 4,499 |
| Return on Equity (ROE) | -0.8800% | 4,481 |
| Retained earnings to average equity (ytd only) | -0.8842% | 4,114 |
| Net charge-offs to loans | 0.0966% | 608 |
| Credit loss provision to net charge-offs | 183.1550% | 864 |
| Earnings coverage of net charge-offs (x) | 24.7562% | 1,383 |
| Efficiency ratio | 60.4015% | 2,908 |
| Assets per employee ($millions) | 6.7681% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,237 |
| Loan loss allowance to noncurrent loans | 188.0108% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 1,979 |
| Noncurrent loans to loans | 0.3760% | 1,803 |
| Net loans and leases to total assets | 59.3400% | 2,733 |
| Net loans and leases to deposits | 66.9660% | 2,852 |
| Net loans and leases to core deposits | 67.8196% | 3,109 |
| Total domestic deposits to total assets | 88.6100% | 1,697 |
| Equity capital to assets | 8.3239% | 3,026 |
| Core capital (leverage) ratio | 7.5685% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3549% | 2,240 |
| Memoranda: | ||
| Average total assets | $15,323,419,000 | 120 |
| Average earning assets | $13,747,862,500 | 118 |
| Average equity | $1,198,390,000 | 149 |
| Average total loans | $8,896,368,000 | 136 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 3,797 |
| Cost of funding earning assets | 0.1679% | 4,013 |
| Net interest margin | 3.0460% | 3,319 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.0352% | 3,483 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0367% | 2,431 |
| Return on assets (ROA) | 1.0352% | 2,375 |
| Pretax return on assets | 1.3166% | 2,027 |
| Return on Equity (ROE) | 12.2200% | 2,070 |
| Retained earnings to average equity (ytd only) | 8.1542% | 1,773 |
| Net charge-offs to loans | 0.0771% | 872 |
| Credit loss provision to net charge-offs | 278.9279% | 948 |
| Earnings coverage of net charge-offs (x) | 35.5027% | 1,575 |
| Efficiency ratio | 57.4725% | 3,407 |
| Assets per employee ($millions) | 7.0880% | 1,902 |
| Cash dividends to net income (ytd only)* | 33.2587% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 4,211 |
| Loan loss allowance to noncurrent loans | 184.2285% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,077 |
| Noncurrent loans to loans | 0.3787% | 1,782 |
| Net loans and leases to total assets | 56.0300% | 3,028 |
| Net loans and leases to deposits | 66.0120% | 2,890 |
| Net loans and leases to core deposits | 66.6676% | 3,084 |
| Total domestic deposits to total assets | 84.8700% | 3,030 |
| Equity capital to assets | 7.3362% | 3,467 |
| Core capital (leverage) ratio | 7.2560% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5592% | 2,149 |
| Memoranda: | ||
| Average total assets | $15,393,826,000 | 122 |
| Average earning assets | $13,860,082,000 | 124 |
| Average equity | $1,304,317,600 | 139 |
| Average total loans | $8,059,108,200 | 142 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 3,684 |
| Cost of funding earning assets | 0.1103% | 4,197 |
| Net interest margin | 2.9868% | 3,251 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.0500% | 3,349 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9731% | 2,579 |
| Return on assets (ROA) | 0.9715% | 2,554 |
| Pretax return on assets | 1.2414% | 2,227 |
| Return on Equity (ROE) | 11.0900% | 2,344 |
| Retained earnings to average equity (ytd only) | 5.8300% | 2,808 |
| Net charge-offs to loans | 0.0568% | 916 |
| Credit loss provision to net charge-offs | 411.1807% | 691 |
| Earnings coverage of net charge-offs (x) | 46.8327% | 1,317 |
| Efficiency ratio | 58.8080% | 3,286 |
| Assets per employee ($millions) | 6.8551% | 2,057 |
| Cash dividends to net income (ytd only)* | 47.4192% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,231 |
| Loan loss allowance to noncurrent loans | 187.0218% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,175 |
| Noncurrent loans to loans | 0.3803% | 1,868 |
| Net loans and leases to total assets | 55.2000% | 2,985 |
| Net loans and leases to deposits | 61.7086% | 3,042 |
| Net loans and leases to core deposits | 62.3414% | 3,225 |
| Total domestic deposits to total assets | 89.4500% | 1,895 |
| Equity capital to assets | 6.7547% | 3,636 |
| Core capital (leverage) ratio | 7.0284% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1354% | 2,411 |
| Memoranda: | ||
| Average total assets | $15,338,588,000 | 123 |
| Average earning assets | $13,828,153,000 | 124 |
| Average equity | $1,344,015,750 | 138 |
| Average total loans | $7,871,435,000 | 143 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9509% | 3,670 |
| Cost of funding earning assets | 0.0853% | 4,328 |
| Net interest margin | 2.8656% | 3,254 |
| Noninterest income to average assets | 0.7160% | 1,272 |
| Noninterest expense to average assets | 2.0306% | 3,348 |
| Loan and lease loss provision to assets | 0.1055% | 944 |
| Net operating income to assets | 0.9238% | 2,471 |
| Return on assets (ROA) | 0.9223% | 2,448 |
| Pretax return on assets | 1.1733% | 2,156 |
| Return on Equity (ROE) | 9.7768% | 2,416 |
| Retained earnings to average equity (ytd only) | 4.6591% | 2,832 |
| Net charge-offs to loans | 0.0541% | 852 |
| Credit loss provision to net charge-offs | 370.7930% | 722 |
| Earnings coverage of net charge-offs (x) | 47.4531% | 1,181 |
| Efficiency ratio | 60.1344% | 3,278 |
| Assets per employee ($millions) | 6.7961% | 2,075 |
| Cash dividends to net income (ytd only)* | 52.3449% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 4,351 |
| Loan loss allowance to noncurrent loans | 150.6626% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 2,090 |
| Noncurrent loans to loans | 0.4558% | 1,749 |
| Net loans and leases to total assets | 52.9951% | 3,062 |
| Net loans and leases to deposits | 59.4149% | 3,097 |
| Net loans and leases to core deposits | 60.3179% | 3,251 |
| Total domestic deposits to total assets | 89.1949% | 2,088 |
| Equity capital to assets | 8.1269% | 3,024 |
| Core capital (leverage) ratio | 6.8971% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4059% | 2,340 |
| Memoranda: | ||
| Average total assets | $15,328,437,000 | 122 |
| Average earning assets | $13,880,499,000 | 125 |
| Average equity | $1,445,976,667 | 132 |
| Average total loans | $7,647,242,000 | 142 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8089% | 3,729 |
| Cost of funding earning assets | 0.0817% | 4,338 |
| Net interest margin | 2.7272% | 3,347 |
| Noninterest income to average assets | 0.7229% | 1,242 |
| Noninterest expense to average assets | 1.9066% | 3,671 |
| Loan and lease loss provision to assets | 0.0372% | 1,692 |
| Net operating income to assets | 0.9899% | 1,918 |
| Return on assets (ROA) | 0.9885% | 1,921 |
| Pretax return on assets | 1.2594% | 1,624 |
| Return on Equity (ROE) | 9.8040% | 2,043 |
| Retained earnings to average equity (ytd only) | 5.1550% | 2,531 |
| Net charge-offs to loans | 0.0594% | 720 |
| Credit loss provision to net charge-offs | 122.2222% | 926 |
| Earnings coverage of net charge-offs (x) | 45.3998% | 956 |
| Efficiency ratio | 58.3509% | 3,643 |
| Assets per employee ($millions) | 7.1583% | 1,886 |
| Cash dividends to net income (ytd only)* | 47.4196% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 4,421 |
| Loan loss allowance to noncurrent loans | 140.1787% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 2,219 |
| Noncurrent loans to loans | 0.4854% | 1,816 |
| Net loans and leases to total assets | 47.8785% | 3,398 |
| Net loans and leases to deposits | 54.2860% | 3,396 |
| Net loans and leases to core deposits | 55.1578% | 3,513 |
| Total domestic deposits to total assets | 88.1968% | 2,434 |
| Equity capital to assets | 9.2433% | 2,488 |
| Core capital (leverage) ratio | 7.2775% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4355% | 1,659 |
| Memoranda: | ||
| Average total assets | $15,360,670,000 | 126 |
| Average earning assets | $13,977,985,500 | 125 |
| Average equity | $1,548,719,000 | 128 |
| Average total loans | $7,398,320,000 | 146 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9340% | 3,994 |
| Cost of funding earning assets | 0.0971% | 4,402 |
| Net interest margin | 2.8370% | 3,592 |
| Noninterest income to average assets | 0.7102% | 1,730 |
| Noninterest expense to average assets | 1.9816% | 3,735 |
| Loan and lease loss provision to assets | -0.0504% | 4,356 |
| Net operating income to assets | 1.0562% | 2,457 |
| Return on assets (ROA) | 1.0547% | 2,540 |
| Pretax return on assets | 1.3485% | 2,207 |
| Return on Equity (ROE) | 9.2166% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.0511% | 3,966 |
| Net charge-offs to loans | 0.0584% | 1,204 |
| Credit loss provision to net charge-offs | -156.2354% | 3,457 |
| Earnings coverage of net charge-offs (x) | 44.4213% | 1,371 |
| Efficiency ratio | 59.0569% | 3,289 |
| Assets per employee ($millions) | 7.1174% | 1,848 |
| Cash dividends to net income (ytd only)* | 77.7454% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6816% | 4,451 |
| Loan loss allowance to noncurrent loans | 110.5269% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,028 |
| Noncurrent loans to loans | 0.6167% | 1,603 |
| Net loans and leases to total assets | 47.7933% | 3,514 |
| Net loans and leases to deposits | 55.5928% | 3,458 |
| Net loans and leases to core deposits | 56.6334% | 3,573 |
| Total domestic deposits to total assets | 85.9704% | 2,922 |
| Equity capital to assets | 10.9255% | 1,832 |
| Core capital (leverage) ratio | 7.2642% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6164% | 1,647 |
| Memoranda: | ||
| Average total assets | $14,635,137,000 | 126 |
| Average earning assets | $13,263,793,400 | 129 |
| Average equity | $1,674,693,600 | 126 |
| Average total loans | $7,338,111,600 | 151 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9535% | 4,076 |
| Cost of funding earning assets | 0.1004% | 4,503 |
| Net interest margin | 2.8531% | 3,647 |
| Noninterest income to average assets | 0.7124% | 1,783 |
| Noninterest expense to average assets | 1.9931% | 3,698 |
| Loan and lease loss provision to assets | -0.0930% | 4,586 |
| Net operating income to assets | 1.0931% | 2,582 |
| Return on assets (ROA) | 1.0915% | 2,647 |
| Pretax return on assets | 1.3929% | 2,367 |
| Return on Equity (ROE) | 9.4257% | 2,956 |
| Retained earnings to average equity (ytd only) | 2.2609% | 4,120 |
| Net charge-offs to loans | 0.0378% | 1,332 |
| Credit loss provision to net charge-offs | -448.7476% | 3,615 |
| Earnings coverage of net charge-offs (x) | 68.0039% | 1,079 |
| Efficiency ratio | 59.1159% | 3,111 |
| Assets per employee ($millions) | 6.9059% | 1,932 |
| Cash dividends to net income (ytd only)* | 76.0135% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 4,527 |
| Loan loss allowance to noncurrent loans | 73.4674% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 1,667 |
| Noncurrent loans to loans | 0.9315% | 1,231 |
| Net loans and leases to total assets | 47.9135% | 3,635 |
| Net loans and leases to deposits | 55.7589% | 3,596 |
| Net loans and leases to core deposits | 56.8805% | 3,707 |
| Total domestic deposits to total assets | 85.9296% | 2,775 |
| Equity capital to assets | 10.9626% | 2,050 |
| Core capital (leverage) ratio | 7.4335% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9408% | 1,634 |
| Memoranda: | ||
| Average total assets | $14,462,964,250 | 126 |
| Average earning assets | $13,089,653,250 | 127 |
| Average equity | $1,674,815,500 | 126 |
| Average total loans | $7,329,132,000 | 152 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0067% | 4,036 |
| Cost of funding earning assets | 0.1050% | 4,542 |
| Net interest margin | 2.9017% | 3,571 |
| Noninterest income to average assets | 0.7106% | 1,767 |
| Noninterest expense to average assets | 1.9952% | 3,715 |
| Loan and lease loss provision to assets | -0.1356% | 4,692 |
| Net operating income to assets | 1.1520% | 2,357 |
| Return on assets (ROA) | 1.1504% | 2,422 |
| Pretax return on assets | 1.4742% | 2,099 |
| Return on Equity (ROE) | 9.7507% | 2,854 |
| Retained earnings to average equity (ytd only) | 2.6140% | 3,969 |
| Net charge-offs to loans | 0.0060% | 1,928 |
| Credit loss provision to net charge-offs | -4,024.3243% | 3,951 |
| Earnings coverage of net charge-offs (x) | 430.2162% | 300 |
| Efficiency ratio | 58.3739% | 3,235 |
| Assets per employee ($millions) | 6.5710% | 2,111 |
| Cash dividends to net income (ytd only)* | 73.1922% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,502 |
| Loan loss allowance to noncurrent loans | 74.1859% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 1,718 |
| Noncurrent loans to loans | 0.9688% | 1,275 |
| Net loans and leases to total assets | 49.3138% | 3,625 |
| Net loans and leases to deposits | 57.2322% | 3,620 |
| Net loans and leases to core deposits | 58.4423% | 3,732 |
| Total domestic deposits to total assets | 86.1644% | 2,682 |
| Equity capital to assets | 11.4859% | 1,639 |
| Core capital (leverage) ratio | 7.5585% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2617% | 1,540 |
| Memoranda: | ||
| Average total assets | $14,251,823,333 | 128 |
| Average earning assets | $12,892,562,000 | 129 |
| Average equity | $1,681,433,000 | 126 |
| Average total loans | $7,344,495,667 | 151 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0811% | 3,926 |
| Cost of funding earning assets | 0.1095% | 4,592 |
| Net interest margin | 2.9716% | 3,331 |
| Noninterest income to average assets | 0.7187% | 1,810 |
| Noninterest expense to average assets | 2.0179% | 3,664 |
| Loan and lease loss provision to assets | -0.1599% | 4,784 |
| Net operating income to assets | 1.2202% | 2,067 |
| Return on assets (ROA) | 1.2186% | 2,160 |
| Pretax return on assets | 1.5447% | 1,869 |
| Return on Equity (ROE) | 10.1889% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.0646% | 3,761 |
| Net charge-offs to loans | 0.0306% | 1,181 |
| Credit loss provision to net charge-offs | -943.7168% | 3,354 |
| Earnings coverage of net charge-offs (x) | 86.4018% | 671 |
| Efficiency ratio | 57.8032% | 3,334 |
| Assets per employee ($millions) | 6.3960% | 2,259 |
| Cash dividends to net income (ytd only)* | 69.9219% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 4,485 |
| Loan loss allowance to noncurrent loans | 73.3316% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 1,799 |
| Noncurrent loans to loans | 1.0239% | 1,308 |
| Net loans and leases to total assets | 50.6907% | 3,566 |
| Net loans and leases to deposits | 58.8197% | 3,578 |
| Net loans and leases to core deposits | 59.8578% | 3,709 |
| Total domestic deposits to total assets | 86.1798% | 2,672 |
| Equity capital to assets | 11.1221% | 1,770 |
| Core capital (leverage) ratio | 7.8696% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1209% | 1,535 |
| Memoranda: | ||
| Average total assets | $14,083,898,000 | 129 |
| Average earning assets | $12,729,023,000 | 131 |
| Average equity | $1,684,385,500 | 127 |
| Average total loans | $7,393,836,000 | 150 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 4,125 |
| Cost of funding earning assets | 0.1708% | 4,673 |
| Net interest margin | 3.2770% | 3,136 |
| Noninterest income to average assets | 0.7796% | 1,593 |
| Noninterest expense to average assets | 2.2340% | 3,579 |
| Loan and lease loss provision to assets | 0.1198% | 2,865 |
| Net operating income to assets | 1.0787% | 1,992 |
| Return on assets (ROA) | 1.0770% | 2,140 |
| Pretax return on assets | 1.3547% | 1,802 |
| Return on Equity (ROE) | 8.0232% | 2,811 |
| Retained earnings to average equity (ytd only) | 1.8596% | 3,889 |
| Net charge-offs to loans | 0.0883% | 1,578 |
| Credit loss provision to net charge-offs | 238.0773% | 1,980 |
| Earnings coverage of net charge-offs (x) | 29.3329% | 1,630 |
| Efficiency ratio | 58.7011% | 3,633 |
| Assets per employee ($millions) | 5.9914% | 2,341 |
| Cash dividends to net income (ytd only)* | 76.8218% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,366 |
| Loan loss allowance to noncurrent loans | 79.6776% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 1,862 |
| Noncurrent loans to loans | 1.0360% | 1,374 |
| Net loans and leases to total assets | 53.5488% | 3,530 |
| Net loans and leases to deposits | 63.9304% | 3,446 |
| Net loans and leases to core deposits | 64.8869% | 3,637 |
| Total domestic deposits to total assets | 83.7611% | 3,181 |
| Equity capital to assets | 12.8393% | 1,160 |
| Core capital (leverage) ratio | 7.9781% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8657% | 1,577 |
| Memoranda: | ||
| Average total assets | $12,690,717,400 | 131 |
| Average earning assets | $11,349,329,000 | 134 |
| Average equity | $1,703,553,800 | 124 |
| Average total loans | $7,235,921,200 | 148 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 4,162 |
| Cost of funding earning assets | 0.1861% | 4,712 |
| Net interest margin | 3.3377% | 3,079 |
| Noninterest income to average assets | 0.8079% | 1,465 |
| Noninterest expense to average assets | 2.2758% | 3,479 |
| Loan and lease loss provision to assets | 0.1895% | 2,091 |
| Net operating income to assets | 1.0547% | 2,124 |
| Return on assets (ROA) | 1.0528% | 2,265 |
| Pretax return on assets | 1.3202% | 1,976 |
| Return on Equity (ROE) | 7.7496% | 2,900 |
| Retained earnings to average equity (ytd only) | 1.4323% | 4,102 |
| Net charge-offs to loans | 0.0865% | 1,442 |
| Credit loss provision to net charge-offs | 378.8379% | 1,522 |
| Earnings coverage of net charge-offs (x) | 30.2127% | 1,576 |
| Efficiency ratio | 58.5814% | 3,587 |
| Assets per employee ($millions) | 5.9236% | 2,333 |
| Cash dividends to net income (ytd only)* | 81.5170% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,145 |
| Loan loss allowance to noncurrent loans | 202.4532% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,210 |
| Noncurrent loans to loans | 0.4318% | 2,761 |
| Net loans and leases to total assets | 54.2341% | 3,784 |
| Net loans and leases to deposits | 64.9360% | 3,709 |
| Net loans and leases to core deposits | 66.0362% | 3,887 |
| Total domestic deposits to total assets | 83.5193% | 2,986 |
| Equity capital to assets | 12.9852% | 1,188 |
| Core capital (leverage) ratio | 8.0899% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8342% | 1,551 |
| Memoranda: | ||
| Average total assets | $12,428,814,750 | 132 |
| Average earning assets | $11,095,241,250 | 135 |
| Average equity | $1,688,465,500 | 123 |
| Average total loans | $7,190,417,000 | 146 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,177 |
| Cost of funding earning assets | 0.2101% | 4,740 |
| Net interest margin | 3.4371% | 2,983 |
| Noninterest income to average assets | 0.7973% | 1,445 |
| Noninterest expense to average assets | 2.2945% | 3,532 |
| Loan and lease loss provision to assets | 0.2612% | 1,625 |
| Net operating income to assets | 1.0385% | 2,189 |
| Return on assets (ROA) | 1.0365% | 2,333 |
| Pretax return on assets | 1.3013% | 2,024 |
| Return on Equity (ROE) | 7.5045% | 2,935 |
| Retained earnings to average equity (ytd only) | 0.8802% | 4,125 |
| Net charge-offs to loans | 0.0852% | 1,399 |
| Credit loss provision to net charge-offs | 527.9854% | 1,186 |
| Earnings coverage of net charge-offs (x) | 31.1092% | 1,404 |
| Efficiency ratio | 57.9445% | 3,694 |
| Assets per employee ($millions) | 6.0224% | 2,168 |
| Cash dividends to net income (ytd only)* | 88.2712% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 4,155 |
| Loan loss allowance to noncurrent loans | 241.7205% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,421 |
| Noncurrent loans to loans | 0.3552% | 3,129 |
| Net loans and leases to total assets | 56.3992% | 3,655 |
| Net loans and leases to deposits | 67.2170% | 3,626 |
| Net loans and leases to core deposits | 68.3335% | 3,839 |
| Total domestic deposits to total assets | 83.9061% | 2,779 |
| Equity capital to assets | 13.3412% | 1,024 |
| Core capital (leverage) ratio | 8.6154% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6080% | 1,599 |
| Memoranda: | ||
| Average total assets | $12,022,441,333 | 136 |
| Average earning assets | $10,709,319,667 | 136 |
| Average equity | $1,660,552,000 | 123 |
| Average total loans | $7,098,186,333 | 150 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 4,107 |
| Cost of funding earning assets | 0.2519% | 4,767 |
| Net interest margin | 3.6110% | 2,625 |
| Noninterest income to average assets | 0.9178% | 1,033 |
| Noninterest expense to average assets | 2.4622% | 3,386 |
| Loan and lease loss provision to assets | 0.2096% | 1,461 |
| Net operating income to assets | 1.1550% | 1,675 |
| Return on assets (ROA) | 1.1530% | 1,791 |
| Pretax return on assets | 1.4433% | 1,454 |
| Return on Equity (ROE) | 8.1855% | 2,434 |
| Retained earnings to average equity (ytd only) | 0.7202% | 3,814 |
| Net charge-offs to loans | 0.1185% | 993 |
| Credit loss provision to net charge-offs | 310.1079% | 1,153 |
| Earnings coverage of net charge-offs (x) | 23.1678% | 1,335 |
| Efficiency ratio | 58.2868% | 3,961 |
| Assets per employee ($millions) | 5.2151% | 2,407 |
| Cash dividends to net income (ytd only)* | 91.2020% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 4,373 |
| Loan loss allowance to noncurrent loans | 176.2766% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 3,302 |
| Noncurrent loans to loans | 0.4627% | 2,866 |
| Net loans and leases to total assets | 58.6679% | 3,621 |
| Net loans and leases to deposits | 71.1538% | 3,505 |
| Net loans and leases to core deposits | 72.1107% | 3,759 |
| Total domestic deposits to total assets | 82.4522% | 3,277 |
| Equity capital to assets | 14.2585% | 984 |
| Core capital (leverage) ratio | 8.6722% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7120% | 2,001 |
| Memoranda: | ||
| Average total assets | $11,412,005,500 | 137 |
| Average earning assets | $10,111,130,500 | 138 |
| Average equity | $1,607,419,500 | 129 |
| Average total loans | $6,880,379,000 | 152 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 4,141 |
| Cost of funding earning assets | 0.2405% | 4,873 |
| Net interest margin | 3.8119% | 2,465 |
| Noninterest income to average assets | 0.8688% | 1,252 |
| Noninterest expense to average assets | 2.5426% | 3,341 |
| Loan and lease loss provision to assets | 0.0963% | 2,111 |
| Net operating income to assets | 1.2788% | 1,777 |
| Return on assets (ROA) | 1.3127% | 1,720 |
| Pretax return on assets | 1.6393% | 1,371 |
| Return on Equity (ROE) | 9.2953% | 2,613 |
| Retained earnings to average equity (ytd only) | 1.7918% | 4,090 |
| Net charge-offs to loans | 0.1508% | 1,315 |
| Credit loss provision to net charge-offs | 106.3925% | 2,328 |
| Earnings coverage of net charge-offs (x) | 18.6989% | 2,045 |
| Efficiency ratio | 58.4452% | 3,921 |
| Assets per employee ($millions) | 5.0518% | 2,524 |
| Cash dividends to net income (ytd only)* | 80.7233% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 4,505 |
| Loan loss allowance to noncurrent loans | 207.6914% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 3,538 |
| Noncurrent loans to loans | 0.3521% | 3,190 |
| Net loans and leases to total assets | 61.0227% | 3,500 |
| Net loans and leases to deposits | 74.0007% | 3,354 |
| Net loans and leases to core deposits | 75.0409% | 3,642 |
| Total domestic deposits to total assets | 82.4624% | 3,373 |
| Equity capital to assets | 13.9059% | 1,132 |
| Core capital (leverage) ratio | 8.6110% | 4,777 |
| Tier 1 risk-based capital ratio | 13.7912% | 3,372 |
| Total risk-based capital ratio | 14.5545% | 3,509 |
| Memoranda: | ||
| Average total assets | $10,852,311,200 | 133 |
| Average earning assets | $9,584,472,000 | 136 |
| Average equity | $1,532,623,200 | 127 |
| Average total loans | $6,515,487,600 | 152 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 4,284 |
| Cost of funding earning assets | 0.2306% | 4,972 |
| Net interest margin | 3.8075% | 2,571 |
| Noninterest income to average assets | 0.8665% | 1,221 |
| Noninterest expense to average assets | 2.5657% | 3,255 |
| Loan and lease loss provision to assets | 0.0858% | 2,201 |
| Net operating income to assets | 1.2534% | 2,005 |
| Return on assets (ROA) | 1.2996% | 1,946 |
| Pretax return on assets | 1.6338% | 1,518 |
| Return on Equity (ROE) | 9.1660% | 2,818 |
| Retained earnings to average equity (ytd only) | 1.7397% | 4,352 |
| Net charge-offs to loans | 0.1419% | 1,143 |
| Credit loss provision to net charge-offs | 101.3610% | 2,224 |
| Earnings coverage of net charge-offs (x) | 19.6255% | 1,991 |
| Efficiency ratio | 59.1000% | 3,792 |
| Assets per employee ($millions) | 5.1106% | 2,436 |
| Cash dividends to net income (ytd only)* | 81.0203% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 4,589 |
| Loan loss allowance to noncurrent loans | 173.8613% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 3,510 |
| Noncurrent loans to loans | 0.4184% | 3,045 |
| Net loans and leases to total assets | 59.7269% | 3,700 |
| Net loans and leases to deposits | 72.4592% | 3,592 |
| Net loans and leases to core deposits | 73.4521% | 3,861 |
| Total domestic deposits to total assets | 82.4283% | 3,344 |
| Equity capital to assets | 13.7284% | 1,261 |
| Core capital (leverage) ratio | 8.7515% | 4,802 |
| Tier 1 risk-based capital ratio | 13.6776% | 3,489 |
| Total risk-based capital ratio | 14.4337% | 3,653 |
| Memoranda: | ||
| Average total assets | $10,762,895,000 | 133 |
| Average earning assets | $9,499,013,750 | 135 |
| Average equity | $1,526,066,250 | 128 |
| Average total loans | $6,421,604,750 | 152 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 4,299 |
| Cost of funding earning assets | 0.2143% | 5,044 |
| Net interest margin | 3.8252% | 2,497 |
| Noninterest income to average assets | 0.8761% | 1,135 |
| Noninterest expense to average assets | 2.5321% | 3,381 |
| Loan and lease loss provision to assets | 0.0856% | 2,134 |
| Net operating income to assets | 1.2984% | 1,775 |
| Return on assets (ROA) | 1.3692% | 1,579 |
| Pretax return on assets | 1.7287% | 1,217 |
| Return on Equity (ROE) | 9.5475% | 2,609 |
| Retained earnings to average equity (ytd only) | 1.6187% | 4,239 |
| Net charge-offs to loans | 0.1457% | 1,064 |
| Credit loss provision to net charge-offs | 98.7752% | 2,022 |
| Earnings coverage of net charge-offs (x) | 19.8970% | 1,799 |
| Efficiency ratio | 57.8756% | 4,031 |
| Assets per employee ($millions) | 4.8263% | 2,705 |
| Cash dividends to net income (ytd only)* | 83.0461% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,470 |
| Loan loss allowance to noncurrent loans | 203.2135% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 3,578 |
| Noncurrent loans to loans | 0.3892% | 3,133 |
| Net loans and leases to total assets | 59.1503% | 3,813 |
| Net loans and leases to deposits | 71.6298% | 3,714 |
| Net loans and leases to core deposits | 72.3333% | 3,984 |
| Total domestic deposits to total assets | 82.5778% | 3,345 |
| Equity capital to assets | 14.6229% | 914 |
| Core capital (leverage) ratio | 9.3422% | 4,317 |
| Tier 1 risk-based capital ratio | 15.4484% | 2,642 |
| Total risk-based capital ratio | 16.2760% | 2,753 |
| Memoranda: | ||
| Average total assets | $10,553,371,000 | 134 |
| Average earning assets | $9,325,088,670 | 136 |
| Average equity | $1,513,466,670 | 128 |
| Average total loans | $6,277,599,330 | 155 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 4,369 |
| Cost of funding earning assets | 0.2078% | 5,102 |
| Net interest margin | 3.7900% | 2,565 |
| Noninterest income to average assets | 0.8720% | 1,110 |
| Noninterest expense to average assets | 2.4980% | 3,514 |
| Loan and lease loss provision to assets | 0.1010% | 1,741 |
| Net operating income to assets | 1.2878% | 1,746 |
| Return on assets (ROA) | 1.2856% | 1,793 |
| Pretax return on assets | 1.6223% | 1,413 |
| Return on Equity (ROE) | 9.0532% | 2,784 |
| Retained earnings to average equity (ytd only) | 1.0507% | 4,300 |
| Net charge-offs to loans | 0.1890% | 736 |
| Credit loss provision to net charge-offs | 89.9494% | 1,717 |
| Earnings coverage of net charge-offs (x) | 15.3632% | 1,741 |
| Efficiency ratio | 57.4597% | 4,150 |
| Assets per employee ($millions) | 5.0199% | 2,493 |
| Cash dividends to net income (ytd only)* | 88.3939% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 4,552 |
| Loan loss allowance to noncurrent loans | 203.7989% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,660 |
| Noncurrent loans to loans | 0.3873% | 3,194 |
| Net loans and leases to total assets | 58.0642% | 3,881 |
| Net loans and leases to deposits | 70.5877% | 3,727 |
| Net loans and leases to core deposits | 71.2474% | 3,992 |
| Total domestic deposits to total assets | 82.2582% | 3,658 |
| Equity capital to assets | 14.1099% | 1,002 |
| Core capital (leverage) ratio | 9.2943% | 4,370 |
| Tier 1 risk-based capital ratio | 15.4410% | 2,677 |
| Total risk-based capital ratio | 16.2733% | 2,796 |
| Memoranda: | ||
| Average total assets | $10,559,786,000 | 135 |
| Average earning assets | $9,338,115,500 | 137 |
| Average equity | $1,499,535,000 | 129 |
| Average total loans | $6,274,167,000 | 157 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 4,191 |
| Cost of funding earning assets | 0.1447% | 5,189 |
| Net interest margin | 3.7937% | 2,681 |
| Noninterest income to average assets | 0.9476% | 1,067 |
| Noninterest expense to average assets | 2.4029% | 3,869 |
| Loan and lease loss provision to assets | 0.1216% | 1,811 |
| Net operating income to assets | 1.4189% | 1,366 |
| Return on assets (ROA) | 1.4167% | 1,367 |
| Pretax return on assets | 1.7702% | 996 |
| Return on Equity (ROE) | 10.1125% | 2,472 |
| Retained earnings to average equity (ytd only) | 3.4578% | 3,682 |
| Net charge-offs to loans | 0.1769% | 1,089 |
| Credit loss provision to net charge-offs | 115.4374% | 2,247 |
| Earnings coverage of net charge-offs (x) | 17.9751% | 2,165 |
| Efficiency ratio | 54.1713% | 4,605 |
| Assets per employee ($millions) | 4.8700% | 2,652 |
| Cash dividends to net income (ytd only)* | 65.8067% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 4,561 |
| Loan loss allowance to noncurrent loans | 199.0520% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 3,577 |
| Noncurrent loans to loans | 0.3980% | 3,102 |
| Net loans and leases to total assets | 59.8525% | 3,795 |
| Net loans and leases to deposits | 73.3564% | 3,556 |
| Net loans and leases to core deposits | 73.9799% | 3,857 |
| Total domestic deposits to total assets | 81.5914% | 3,763 |
| Equity capital to assets | 14.2935% | 893 |
| Core capital (leverage) ratio | 9.3174% | 4,343 |
| Tier 1 risk-based capital ratio | 15.3456% | 2,680 |
| Total risk-based capital ratio | 16.1820% | 2,788 |
| Memoranda: | ||
| Average total assets | $10,512,106,600 | 128 |
| Average earning assets | $9,280,866,000 | 132 |
| Average equity | $1,472,646,400 | 126 |
| Average total loans | $6,261,695,200 | 152 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 4,204 |
| Cost of funding earning assets | 0.1333% | 5,267 |
| Net interest margin | 3.7710% | 2,750 |
| Noninterest income to average assets | 0.9702% | 1,014 |
| Noninterest expense to average assets | 2.3849% | 3,885 |
| Loan and lease loss provision to assets | 0.1232% | 1,633 |
| Net operating income to assets | 1.4304% | 1,389 |
| Return on assets (ROA) | 1.4282% | 1,390 |
| Pretax return on assets | 1.7891% | 1,034 |
| Return on Equity (ROE) | 10.2465% | 2,504 |
| Retained earnings to average equity (ytd only) | 4.0736% | 3,740 |
| Net charge-offs to loans | 0.1538% | 1,069 |
| Credit loss provision to net charge-offs | 134.8525% | 1,843 |
| Earnings coverage of net charge-offs (x) | 20.9582% | 1,935 |
| Efficiency ratio | 53.6954% | 4,638 |
| Assets per employee ($millions) | 4.7983% | 2,723 |
| Cash dividends to net income (ytd only)* | 60.2442% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 4,613 |
| Loan loss allowance to noncurrent loans | 202.7994% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,713 |
| Noncurrent loans to loans | 0.3957% | 3,235 |
| Net loans and leases to total assets | 59.8116% | 3,862 |
| Net loans and leases to deposits | 72.6225% | 3,717 |
| Net loans and leases to core deposits | 73.2025% | 3,998 |
| Total domestic deposits to total assets | 82.3595% | 3,503 |
| Equity capital to assets | 14.0215% | 955 |
| Core capital (leverage) ratio | 9.2093% | 4,502 |
| Tier 1 risk-based capital ratio | 15.1255% | 2,828 |
| Total risk-based capital ratio | 15.9706% | 2,934 |
| Memoranda: | ||
| Average total assets | $10,537,101,500 | 129 |
| Average earning assets | $9,302,362,000 | 130 |
| Average equity | $1,468,742,500 | 124 |
| Average total loans | $6,256,698,750 | 152 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 4,143 |
| Cost of funding earning assets | 0.1205% | 5,342 |
| Net interest margin | 3.7536% | 2,739 |
| Noninterest income to average assets | 0.9968% | 968 |
| Noninterest expense to average assets | 2.3893% | 3,927 |
| Loan and lease loss provision to assets | 0.1321% | 1,499 |
| Net operating income to assets | 1.4300% | 1,339 |
| Return on assets (ROA) | 1.4279% | 1,344 |
| Pretax return on assets | 1.7889% | 989 |
| Return on Equity (ROE) | 10.2644% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.2775% | 3,466 |
| Net charge-offs to loans | 0.1589% | 970 |
| Credit loss provision to net charge-offs | 140.7422% | 1,639 |
| Earnings coverage of net charge-offs (x) | 20.4909% | 1,808 |
| Efficiency ratio | 53.5875% | 4,735 |
| Assets per employee ($millions) | 4.9192% | 2,528 |
| Cash dividends to net income (ytd only)* | 58.3268% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,685 |
| Loan loss allowance to noncurrent loans | 170.6602% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,591 |
| Noncurrent loans to loans | 0.4702% | 3,025 |
| Net loans and leases to total assets | 59.3804% | 3,863 |
| Net loans and leases to deposits | 71.4384% | 3,754 |
| Net loans and leases to core deposits | 71.8722% | 4,017 |
| Total domestic deposits to total assets | 83.1211% | 3,381 |
| Equity capital to assets | 14.0786% | 912 |
| Core capital (leverage) ratio | 8.9444% | 4,733 |
| Tier 1 risk-based capital ratio | 14.8694% | 2,933 |
| Total risk-based capital ratio | 15.7062% | 3,049 |
| Memoranda: | ||
| Average total assets | $10,565,886,330 | 125 |
| Average earning assets | $9,332,955,670 | 128 |
| Average equity | $1,469,872,670 | 120 |
| Average total loans | $6,241,824,670 | 153 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,240 |
| Cost of funding earning assets | 0.1145% | 5,410 |
| Net interest margin | 3.6770% | 2,897 |
| Noninterest income to average assets | 0.9977% | 914 |
| Noninterest expense to average assets | 2.3718% | 4,014 |
| Loan and lease loss provision to assets | 0.1506% | 1,203 |
| Net operating income to assets | 1.3722% | 1,415 |
| Return on assets (ROA) | 1.3701% | 1,438 |
| Pretax return on assets | 1.7222% | 1,062 |
| Return on Equity (ROE) | 9.9072% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.4689% | 3,410 |
| Net charge-offs to loans | 0.2283% | 658 |
| Credit loss provision to net charge-offs | 112.4053% | 1,434 |
| Earnings coverage of net charge-offs (x) | 13.9933% | 1,731 |
| Efficiency ratio | 53.9560% | 4,803 |
| Assets per employee ($millions) | 5.1226% | 2,331 |
| Cash dividends to net income (ytd only)* | 54.8923% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,847 |
| Loan loss allowance to noncurrent loans | 163.4654% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 3,686 |
| Noncurrent loans to loans | 0.4763% | 3,093 |
| Net loans and leases to total assets | 57.4718% | 3,992 |
| Net loans and leases to deposits | 69.4463% | 3,833 |
| Net loans and leases to core deposits | 69.9761% | 4,083 |
| Total domestic deposits to total assets | 82.7572% | 3,743 |
| Equity capital to assets | 13.6113% | 1,014 |
| Core capital (leverage) ratio | 8.8281% | 4,866 |
| Tier 1 risk-based capital ratio | 14.7746% | 2,992 |
| Total risk-based capital ratio | 15.5955% | 3,114 |
| Memoranda: | ||
| Average total assets | $10,636,948,500 | 125 |
| Average earning assets | $9,398,950,500 | 128 |
| Average equity | $1,471,050,500 | 118 |
| Average total loans | $6,242,865,500 | 152 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 3,985 |
| Cost of funding earning assets | 0.1180% | 5,423 |
| Net interest margin | 3.7015% | 2,790 |
| Noninterest income to average assets | 0.9433% | 1,154 |
| Noninterest expense to average assets | 2.6661% | 3,239 |
| Loan and lease loss provision to assets | 0.1333% | 1,718 |
| Net operating income to assets | 1.3251% | 1,172 |
| Return on assets (ROA) | 1.3205% | 1,198 |
| Pretax return on assets | 1.4204% | 1,926 |
| Return on Equity (ROE) | 9.9131% | 1,924 |
| Retained earnings to average equity (ytd only) | 3.0638% | 3,467 |
| Net charge-offs to loans | 0.2199% | 1,180 |
| Credit loss provision to net charge-offs | 103.1642% | 2,480 |
| Earnings coverage of net charge-offs (x) | 12.0619% | 2,509 |
| Efficiency ratio | 61.6023% | 4,003 |
| Assets per employee ($millions) | 5.0415% | 2,431 |
| Cash dividends to net income (ytd only)* | 69.0933% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 4,912 |
| Loan loss allowance to noncurrent loans | 175.0392% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 3,776 |
| Noncurrent loans to loans | 0.4387% | 3,211 |
| Net loans and leases to total assets | 59.0181% | 3,920 |
| Net loans and leases to deposits | 72.5868% | 3,638 |
| Net loans and leases to core deposits | 73.1444% | 3,959 |
| Total domestic deposits to total assets | 81.3069% | 4,053 |
| Equity capital to assets | 14.0528% | 895 |
| Core capital (leverage) ratio | 8.6978% | 4,955 |
| Tier 1 risk-based capital ratio | 14.4898% | 3,095 |
| Total risk-based capital ratio | 15.3005% | 3,229 |
| Memoranda: | ||
| Average total assets | $9,809,814,600 | 125 |
| Average earning assets | $8,695,528,400 | 130 |
| Average equity | $1,306,700,800 | 122 |
| Average total loans | $5,762,917,000 | 154 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,106 |
| Cost of funding earning assets | 0.1187% | 5,486 |
| Net interest margin | 3.6506% | 2,948 |
| Noninterest income to average assets | 0.9315% | 1,186 |
| Noninterest expense to average assets | 2.7180% | 2,998 |
| Loan and lease loss provision to assets | 0.0989% | 2,136 |
| Net operating income to assets | 0.9380% | 2,843 |
| Return on assets (ROA) | 0.9325% | 2,928 |
| Pretax return on assets | 1.3516% | 2,277 |
| Return on Equity (ROE) | 7.1075% | 3,602 |
| Retained earnings to average equity (ytd only) | -0.3833% | 5,270 |
| Net charge-offs to loans | 0.1502% | 1,341 |
| Credit loss provision to net charge-offs | 112.4508% | 2,114 |
| Earnings coverage of net charge-offs (x) | 16.5557% | 2,161 |
| Efficiency ratio | 63.7374% | 3,600 |
| Assets per employee ($millions) | 5.0507% | 2,394 |
| Cash dividends to net income (ytd only)* | 105.3928% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,982 |
| Loan loss allowance to noncurrent loans | 207.2743% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 4,108 |
| Noncurrent loans to loans | 0.3703% | 3,626 |
| Net loans and leases to total assets | 59.0118% | 3,963 |
| Net loans and leases to deposits | 71.9174% | 3,783 |
| Net loans and leases to core deposits | 72.4052% | 4,105 |
| Total domestic deposits to total assets | 82.0549% | 3,761 |
| Equity capital to assets | 13.7026% | 1,075 |
| Core capital (leverage) ratio | 8.3712% | 5,335 |
| Tier 1 risk-based capital ratio | 13.9089% | 3,490 |
| Total risk-based capital ratio | 14.7175% | 3,640 |
| Memoranda: | ||
| Average total assets | $9,631,874,250 | 128 |
| Average earning assets | $8,554,886,000 | 134 |
| Average equity | $1,263,733,250 | 127 |
| Average total loans | $5,639,225,250 | 156 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,269 |
| Cost of funding earning assets | 0.1084% | 5,565 |
| Net interest margin | 3.5775% | 3,117 |
| Noninterest income to average assets | 0.9132% | 1,233 |
| Noninterest expense to average assets | 2.8840% | 2,477 |
| Loan and lease loss provision to assets | 0.0900% | 2,181 |
| Net operating income to assets | 0.7714% | 3,535 |
| Return on assets (ROA) | 0.7642% | 3,618 |
| Pretax return on assets | 1.1165% | 3,106 |
| Return on Equity (ROE) | 5.9245% | 4,079 |
| Retained earnings to average equity (ytd only) | -3.5731% | 5,471 |
| Net charge-offs to loans | 0.1442% | 1,288 |
| Credit loss provision to net charge-offs | 107.1959% | 1,921 |
| Earnings coverage of net charge-offs (x) | 14.4604% | 2,070 |
| Efficiency ratio | 69.2934% | 2,803 |
| Assets per employee ($millions) | 5.0998% | 2,275 |
| Cash dividends to net income (ytd only)* | 160.3105% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 5,070 |
| Loan loss allowance to noncurrent loans | 209.1643% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,187 |
| Noncurrent loans to loans | 0.3602% | 3,737 |
| Net loans and leases to total assets | 59.3226% | 3,901 |
| Net loans and leases to deposits | 72.5431% | 3,683 |
| Net loans and leases to core deposits | 73.1221% | 4,013 |
| Total domestic deposits to total assets | 81.7756% | 3,951 |
| Equity capital to assets | 13.5076% | 1,139 |
| Core capital (leverage) ratio | 9.1620% | 4,541 |
| Tier 1 risk-based capital ratio | 13.6375% | 3,622 |
| Total risk-based capital ratio | 14.4427% | 3,785 |
| Memoranda: | ||
| Average total assets | $9,305,348,000 | 133 |
| Average earning assets | $8,283,281,330 | 136 |
| Average equity | $1,200,296,330 | 134 |
| Average total loans | $5,415,485,000 | 158 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,250 |
| Cost of funding earning assets | 0.1012% | 5,645 |
| Net interest margin | 3.5570% | 3,054 |
| Noninterest income to average assets | 0.9270% | 1,172 |
| Noninterest expense to average assets | 2.4851% | 3,851 |
| Loan and lease loss provision to assets | 0.0998% | 1,893 |
| Net operating income to assets | 1.0368% | 2,138 |
| Return on assets (ROA) | 1.0234% | 2,264 |
| Pretax return on assets | 1.5067% | 1,513 |
| Return on Equity (ROE) | 8.1718% | 2,828 |
| Retained earnings to average equity (ytd only) | -4.4019% | 5,350 |
| Net charge-offs to loans | 0.1894% | 901 |
| Credit loss provision to net charge-offs | 92.0940% | 1,681 |
| Earnings coverage of net charge-offs (x) | 14.9462% | 1,701 |
| Efficiency ratio | 59.7552% | 4,489 |
| Assets per employee ($millions) | 4.6183% | 2,979 |
| Cash dividends to net income (ytd only)* | 153.8670% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,482 |
| Loan loss allowance to noncurrent loans | 207.4838% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 4,032 |
| Noncurrent loans to loans | 0.4637% | 3,430 |
| Net loans and leases to total assets | 56.3617% | 4,131 |
| Net loans and leases to deposits | 65.4129% | 4,217 |
| Net loans and leases to core deposits | 65.8677% | 4,435 |
| Total domestic deposits to total assets | 86.1630% | 2,600 |
| Equity capital to assets | 12.4248% | 1,583 |
| Core capital (leverage) ratio | 8.1308% | 5,493 |
| Tier 1 risk-based capital ratio | 14.1334% | 3,395 |
| Total risk-based capital ratio | 15.1481% | 3,455 |
| Memoranda: | ||
| Average total assets | $8,636,377,500 | 144 |
| Average earning assets | $7,715,984,500 | 144 |
| Average equity | $1,081,617,000 | 139 |
| Average total loans | $4,942,324,500 | 169 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,075 |
| Cost of funding earning assets | 0.1114% | 5,651 |
| Net interest margin | 3.6335% | 2,944 |
| Noninterest income to average assets | 0.9628% | 1,234 |
| Noninterest expense to average assets | 2.4084% | 4,287 |
| Loan and lease loss provision to assets | 0.1139% | 2,164 |
| Net operating income to assets | 1.1455% | 1,714 |
| Return on assets (ROA) | 1.1465% | 1,800 |
| Pretax return on assets | 1.6886% | 1,030 |
| Return on Equity (ROE) | 8.7554% | 2,540 |
| Retained earnings to average equity (ytd only) | 0.8534% | 4,980 |
| Net charge-offs to loans | 0.1631% | 1,652 |
| Credit loss provision to net charge-offs | 122.9389% | 2,169 |
| Earnings coverage of net charge-offs (x) | 19.4436% | 1,913 |
| Efficiency ratio | 56.3045% | 5,036 |
| Assets per employee ($millions) | 4.6736% | 2,838 |
| Cash dividends to net income (ytd only)* | 90.2527% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 4,516 |
| Loan loss allowance to noncurrent loans | 201.0846% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,081 |
| Noncurrent loans to loans | 0.4786% | 3,433 |
| Net loans and leases to total assets | 56.9930% | 4,165 |
| Net loans and leases to deposits | 67.6031% | 4,116 |
| Net loans and leases to core deposits | 68.0768% | 4,395 |
| Total domestic deposits to total assets | 84.3054% | 3,317 |
| Equity capital to assets | 12.6238% | 1,448 |
| Core capital (leverage) ratio | 8.3021% | 5,437 |
| Tier 1 risk-based capital ratio | 14.2778% | 3,296 |
| Total risk-based capital ratio | 15.2892% | 3,355 |
| Memoranda: | ||
| Average total assets | $8,600,768,000 | 135 |
| Average earning assets | $7,686,217,000 | 137 |
| Average equity | $1,126,300,600 | 132 |
| Average total loans | $4,884,668,000 | 160 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,207 |
| Cost of funding earning assets | 0.1133% | 5,706 |
| Net interest margin | 3.6006% | 3,074 |
| Noninterest income to average assets | 0.9694% | 1,216 |
| Noninterest expense to average assets | 2.4151% | 4,242 |
| Loan and lease loss provision to assets | 0.1027% | 2,204 |
| Net operating income to assets | 1.1355% | 1,863 |
| Return on assets (ROA) | 1.1363% | 1,967 |
| Pretax return on assets | 1.6716% | 1,193 |
| Return on Equity (ROE) | 8.5995% | 2,710 |
| Retained earnings to average equity (ytd only) | 2.1461% | 4,615 |
| Net charge-offs to loans | 0.1439% | 1,546 |
| Credit loss provision to net charge-offs | 126.1184% | 2,011 |
| Earnings coverage of net charge-offs (x) | 21.7777% | 1,801 |
| Efficiency ratio | 56.7269% | 4,990 |
| Assets per employee ($millions) | 4.6520% | 2,840 |
| Cash dividends to net income (ytd only)* | 75.0433% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,638 |
| Loan loss allowance to noncurrent loans | 202.4104% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 4,257 |
| Noncurrent loans to loans | 0.4718% | 3,600 |
| Net loans and leases to total assets | 56.4750% | 4,258 |
| Net loans and leases to deposits | 67.6720% | 4,184 |
| Net loans and leases to core deposits | 68.1207% | 4,463 |
| Total domestic deposits to total assets | 83.4540% | 3,419 |
| Equity capital to assets | 13.3058% | 1,341 |
| Core capital (leverage) ratio | 8.4030% | 5,428 |
| Tier 1 risk-based capital ratio | 14.4992% | 3,285 |
| Total risk-based capital ratio | 15.5054% | 3,351 |
| Memoranda: | ||
| Average total assets | $8,599,931,500 | 136 |
| Average earning assets | $7,689,162,500 | 136 |
| Average equity | $1,136,333,500 | 130 |
| Average total loans | $4,867,986,250 | 162 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,282 |
| Cost of funding earning assets | 0.1139% | 5,785 |
| Net interest margin | 3.5929% | 3,124 |
| Noninterest income to average assets | 0.9410% | 1,264 |
| Noninterest expense to average assets | 2.4383% | 4,218 |
| Loan and lease loss provision to assets | 0.0990% | 2,181 |
| Net operating income to assets | 1.1026% | 1,947 |
| Return on assets (ROA) | 1.1030% | 2,072 |
| Pretax return on assets | 1.6166% | 1,318 |
| Return on Equity (ROE) | 8.3677% | 2,810 |
| Retained earnings to average equity (ytd only) | 2.8845% | 4,070 |
| Net charge-offs to loans | 0.1297% | 1,554 |
| Credit loss provision to net charge-offs | 135.2117% | 1,726 |
| Earnings coverage of net charge-offs (x) | 23.4202% | 1,589 |
| Efficiency ratio | 57.7467% | 4,937 |
| Assets per employee ($millions) | 4.6608% | 2,779 |
| Cash dividends to net income (ytd only)* | 65.5280% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 4,733 |
| Loan loss allowance to noncurrent loans | 194.8068% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 4,313 |
| Noncurrent loans to loans | 0.4910% | 3,608 |
| Net loans and leases to total assets | 55.9567% | 4,317 |
| Net loans and leases to deposits | 68.4649% | 4,139 |
| Net loans and leases to core deposits | 68.9332% | 4,406 |
| Total domestic deposits to total assets | 81.7305% | 4,082 |
| Equity capital to assets | 13.4300% | 1,271 |
| Core capital (leverage) ratio | 8.3934% | 5,453 |
| Tier 1 risk-based capital ratio | 14.5367% | 3,297 |
| Total risk-based capital ratio | 15.5447% | 3,360 |
| Memoranda: | ||
| Average total assets | $8,577,707,330 | 134 |
| Average earning assets | $7,669,732,000 | 135 |
| Average equity | $1,130,725,330 | 129 |
| Average total loans | $4,843,428,670 | 163 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6954% | 4,342 |
| Cost of funding earning assets | 0.1172% | 5,830 |
| Net interest margin | 3.5782% | 3,172 |
| Noninterest income to average assets | 0.9227% | 1,256 |
| Noninterest expense to average assets | 2.4805% | 4,127 |
| Loan and lease loss provision to assets | 0.0700% | 2,549 |
| Net operating income to assets | 1.0734% | 1,998 |
| Return on assets (ROA) | 1.0727% | 2,119 |
| Pretax return on assets | 1.5692% | 1,380 |
| Return on Equity (ROE) | 8.2162% | 2,796 |
| Retained earnings to average equity (ytd only) | 2.8255% | 4,102 |
| Net charge-offs to loans | 0.1154% | 1,425 |
| Credit loss provision to net charge-offs | 107.4928% | 1,536 |
| Earnings coverage of net charge-offs (x) | 25.1794% | 1,303 |
| Efficiency ratio | 59.2074% | 4,852 |
| Assets per employee ($millions) | 4.6573% | 2,806 |
| Cash dividends to net income (ytd only)* | 65.6111% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 4,833 |
| Loan loss allowance to noncurrent loans | 175.5140% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 4,244 |
| Noncurrent loans to loans | 0.5427% | 3,558 |
| Net loans and leases to total assets | 55.8227% | 4,277 |
| Net loans and leases to deposits | 65.8809% | 4,272 |
| Net loans and leases to core deposits | 66.3622% | 4,513 |
| Total domestic deposits to total assets | 84.7327% | 3,232 |
| Equity capital to assets | 13.3011% | 1,268 |
| Core capital (leverage) ratio | 8.3107% | 5,560 |
| Tier 1 risk-based capital ratio | 14.5058% | 3,393 |
| Total risk-based capital ratio | 15.5047% | 3,459 |
| Memoranda: | ||
| Average total assets | $8,525,000,000 | 136 |
| Average earning assets | $7,618,252,500 | 136 |
| Average equity | $1,113,016,500 | 130 |
| Average total loans | $4,812,284,000 | 164 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,301 |
| Cost of funding earning assets | 0.1249% | 5,855 |
| Net interest margin | 3.5981% | 3,147 |
| Noninterest income to average assets | 0.9553% | 1,305 |
| Noninterest expense to average assets | 2.5040% | 4,213 |
| Loan and lease loss provision to assets | 0.1011% | 2,298 |
| Net operating income to assets | 1.1113% | 1,871 |
| Return on assets (ROA) | 1.1114% | 1,939 |
| Pretax return on assets | 1.5680% | 1,350 |
| Return on Equity (ROE) | 8.7470% | 2,597 |
| Retained earnings to average equity (ytd only) | 1.7525% | 4,731 |
| Net charge-offs to loans | 0.1818% | 1,583 |
| Credit loss provision to net charge-offs | 100.5301% | 2,488 |
| Earnings coverage of net charge-offs (x) | 16.5927% | 2,121 |
| Efficiency ratio | 58.9230% | 5,036 |
| Assets per employee ($millions) | 4.4465% | 3,130 |
| Cash dividends to net income (ytd only)* | 79.9644% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 4,844 |
| Loan loss allowance to noncurrent loans | 191.5273% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 4,383 |
| Noncurrent loans to loans | 0.4981% | 3,698 |
| Net loans and leases to total assets | 55.8070% | 4,310 |
| Net loans and leases to deposits | 68.1102% | 4,119 |
| Net loans and leases to core deposits | 68.6590% | 4,401 |
| Total domestic deposits to total assets | 81.9364% | 4,182 |
| Equity capital to assets | 13.1093% | 1,297 |
| Core capital (leverage) ratio | 8.8828% | 5,023 |
| Tier 1 risk-based capital ratio | 14.6539% | 3,349 |
| Total risk-based capital ratio | 15.6510% | 3,409 |
| Memoranda: | ||
| Average total assets | $7,876,775,200 | 137 |
| Average earning assets | $7,043,989,600 | 135 |
| Average equity | $1,000,791,600 | 135 |
| Average total loans | $4,357,213,400 | 170 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,306 |
| Cost of funding earning assets | 0.1236% | 5,958 |
| Net interest margin | 3.6127% | 3,110 |
| Noninterest income to average assets | 0.9377% | 1,349 |
| Noninterest expense to average assets | 2.4420% | 4,380 |
| Loan and lease loss provision to assets | 0.0733% | 2,705 |
| Net operating income to assets | 1.1835% | 1,701 |
| Return on assets (ROA) | 1.1835% | 1,773 |
| Pretax return on assets | 1.6577% | 1,219 |
| Return on Equity (ROE) | 9.3974% | 2,351 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,609 |
| Net charge-offs to loans | 0.1271% | 1,859 |
| Credit loss provision to net charge-offs | 104.7443% | 2,190 |
| Earnings coverage of net charge-offs (x) | 24.7487% | 1,682 |
| Efficiency ratio | 57.4604% | 5,184 |
| Assets per employee ($millions) | 4.6014% | 2,832 |
| Cash dividends to net income (ytd only)* | 73.0108% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 4,405 |
| Loan loss allowance to noncurrent loans | 182.3450% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 4,382 |
| Noncurrent loans to loans | 0.5843% | 3,580 |
| Net loans and leases to total assets | 53.5653% | 4,610 |
| Net loans and leases to deposits | 67.8576% | 4,203 |
| Net loans and leases to core deposits | 68.2413% | 4,522 |
| Total domestic deposits to total assets | 78.9378% | 4,993 |
| Equity capital to assets | 12.4389% | 1,778 |
| Core capital (leverage) ratio | 8.1742% | 5,797 |
| Tier 1 risk-based capital ratio | 14.8181% | 3,380 |
| Total risk-based capital ratio | 15.9304% | 3,390 |
| Memoranda: | ||
| Average total assets | $7,715,006,000 | 139 |
| Average earning assets | $6,908,822,500 | 136 |
| Average equity | $971,634,750 | 142 |
| Average total loans | $4,245,835,000 | 172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,283 |
| Cost of funding earning assets | 0.1198% | 6,045 |
| Net interest margin | 3.6190% | 3,017 |
| Noninterest income to average assets | 0.9171% | 1,399 |
| Noninterest expense to average assets | 2.4703% | 4,328 |
| Loan and lease loss provision to assets | 0.0476% | 3,169 |
| Net operating income to assets | 1.1718% | 1,692 |
| Return on assets (ROA) | 1.1718% | 1,764 |
| Pretax return on assets | 1.6377% | 1,229 |
| Return on Equity (ROE) | 9.2642% | 2,399 |
| Retained earnings to average equity (ytd only) | 2.0108% | 4,693 |
| Net charge-offs to loans | 0.0907% | 2,124 |
| Credit loss provision to net charge-offs | 94.9321% | 2,145 |
| Earnings coverage of net charge-offs (x) | 33.5935% | 1,265 |
| Efficiency ratio | 58.3473% | 5,180 |
| Assets per employee ($millions) | 4.4728% | 3,029 |
| Cash dividends to net income (ytd only)* | 78.2945% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 4,481 |
| Loan loss allowance to noncurrent loans | 198.6519% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 4,597 |
| Noncurrent loans to loans | 0.5392% | 3,838 |
| Net loans and leases to total assets | 53.5372% | 4,609 |
| Net loans and leases to deposits | 67.8345% | 4,150 |
| Net loans and leases to core deposits | 68.2203% | 4,470 |
| Total domestic deposits to total assets | 78.9233% | 5,113 |
| Equity capital to assets | 12.1216% | 1,935 |
| Core capital (leverage) ratio | 8.3361% | 5,689 |
| Tier 1 risk-based capital ratio | 14.3714% | 3,713 |
| Total risk-based capital ratio | 15.4613% | 3,736 |
| Memoranda: | ||
| Average total assets | $7,630,121,330 | 142 |
| Average earning assets | $6,828,076,000 | 139 |
| Average equity | $965,067,000 | 145 |
| Average total loans | $4,222,798,670 | 170 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,183 |
| Cost of funding earning assets | 0.1209% | 6,109 |
| Net interest margin | 3.6337% | 2,881 |
| Noninterest income to average assets | 0.9168% | 1,334 |
| Noninterest expense to average assets | 2.5247% | 4,186 |
| Loan and lease loss provision to assets | 0.0414% | 3,086 |
| Net operating income to assets | 1.1352% | 1,743 |
| Return on assets (ROA) | 1.1352% | 1,851 |
| Pretax return on assets | 1.6049% | 1,261 |
| Return on Equity (ROE) | 8.7832% | 2,555 |
| Retained earnings to average equity (ytd only) | 2.5973% | 4,383 |
| Net charge-offs to loans | 0.1162% | 1,591 |
| Credit loss provision to net charge-offs | 63.6364% | 1,964 |
| Earnings coverage of net charge-offs (x) | 25.2965% | 1,270 |
| Efficiency ratio | 59.3925% | 5,172 |
| Assets per employee ($millions) | 4.3883% | 3,215 |
| Cash dividends to net income (ytd only)* | 70.4291% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 4,576 |
| Loan loss allowance to noncurrent loans | 199.8325% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,691 |
| Noncurrent loans to loans | 0.5446% | 3,951 |
| Net loans and leases to total assets | 54.5890% | 4,361 |
| Net loans and leases to deposits | 65.9779% | 4,153 |
| Net loans and leases to core deposits | 66.0691% | 4,512 |
| Total domestic deposits to total assets | 82.7383% | 4,256 |
| Equity capital to assets | 13.0128% | 1,398 |
| Core capital (leverage) ratio | 8.5056% | 5,512 |
| Tier 1 risk-based capital ratio | 15.1232% | 3,369 |
| Total risk-based capital ratio | 16.2703% | 3,355 |
| Memoranda: | ||
| Average total assets | $7,504,604,500 | 141 |
| Average earning assets | $6,720,783,000 | 139 |
| Average equity | $969,939,000 | 144 |
| Average total loans | $4,201,681,500 | 170 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 4,084 |
| Cost of funding earning assets | 0.1437% | 6,135 |
| Net interest margin | 3.7692% | 2,736 |
| Noninterest income to average assets | 1.0432% | 1,127 |
| Noninterest expense to average assets | 2.6160% | 4,158 |
| Loan and lease loss provision to assets | 0.1241% | 2,111 |
| Net operating income to assets | 1.1786% | 1,648 |
| Return on assets (ROA) | 1.1786% | 1,718 |
| Pretax return on assets | 1.6549% | 1,087 |
| Return on Equity (ROE) | 9.4296% | 2,373 |
| Retained earnings to average equity (ytd only) | 3.2126% | 3,947 |
| Net charge-offs to loans | 0.1926% | 2,125 |
| Credit loss provision to net charge-offs | 113.9596% | 2,091 |
| Earnings coverage of net charge-offs (x) | 16.3363% | 2,015 |
| Efficiency ratio | 58.2602% | 5,430 |
| Assets per employee ($millions) | 4.3531% | 3,264 |
| Cash dividends to net income (ytd only)* | 65.9305% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 4,638 |
| Loan loss allowance to noncurrent loans | 192.0743% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 4,676 |
| Noncurrent loans to loans | 0.5624% | 3,982 |
| Net loans and leases to total assets | 56.1822% | 4,312 |
| Net loans and leases to deposits | 69.2520% | 3,998 |
| Net loans and leases to core deposits | 69.6096% | 4,357 |
| Total domestic deposits to total assets | 81.1271% | 4,705 |
| Equity capital to assets | 12.8354% | 1,445 |
| Core capital (leverage) ratio | 8.2687% | 5,805 |
| Tier 1 risk-based capital ratio | 14.6367% | 3,703 |
| Total risk-based capital ratio | 15.7840% | 3,697 |
| Memoranda: | ||
| Average total assets | $7,361,077,800 | 139 |
| Average earning assets | $6,545,813,600 | 138 |
| Average equity | $920,058,000 | 140 |
| Average total loans | $4,162,530,400 | 166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 4,091 |
| Cost of funding earning assets | 0.1469% | 6,202 |
| Net interest margin | 3.7746% | 2,713 |
| Noninterest income to average assets | 1.0504% | 1,113 |
| Noninterest expense to average assets | 2.6254% | 4,109 |
| Loan and lease loss provision to assets | 0.1103% | 2,207 |
| Net operating income to assets | 1.1782% | 1,758 |
| Return on assets (ROA) | 1.1782% | 1,827 |
| Pretax return on assets | 1.6659% | 1,146 |
| Return on Equity (ROE) | 9.4910% | 2,452 |
| Retained earnings to average equity (ytd only) | 2.7268% | 4,652 |
| Net charge-offs to loans | 0.1623% | 2,177 |
| Credit loss provision to net charge-offs | 120.3370% | 1,913 |
| Earnings coverage of net charge-offs (x) | 19.3717% | 1,790 |
| Efficiency ratio | 58.3520% | 5,397 |
| Assets per employee ($millions) | 4.2782% | 3,336 |
| Cash dividends to net income (ytd only)* | 71.2699% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 4,825 |
| Loan loss allowance to noncurrent loans | 190.2474% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 4,818 |
| Noncurrent loans to loans | 0.5693% | 4,213 |
| Net loans and leases to total assets | 55.8289% | 4,354 |
| Net loans and leases to deposits | 68.5814% | 4,077 |
| Net loans and leases to core deposits | 68.9495% | 4,420 |
| Total domestic deposits to total assets | 81.4054% | 4,695 |
| Equity capital to assets | 12.5318% | 1,677 |
| Core capital (leverage) ratio | 8.1178% | 5,995 |
| Tier 1 risk-based capital ratio | 14.1278% | 4,124 |
| Total risk-based capital ratio | 15.2576% | 4,146 |
| Memoranda: | ||
| Average total assets | $7,336,027,500 | 139 |
| Average earning assets | $6,513,277,000 | 138 |
| Average equity | $910,651,500 | 142 |
| Average total loans | $4,143,741,500 | 165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,986 |
| Cost of funding earning assets | 0.1511% | 6,260 |
| Net interest margin | 3.7864% | 2,613 |
| Noninterest income to average assets | 1.0271% | 1,128 |
| Noninterest expense to average assets | 2.5824% | 4,298 |
| Loan and lease loss provision to assets | 0.1043% | 2,280 |
| Net operating income to assets | 1.1986% | 1,594 |
| Return on assets (ROA) | 1.1986% | 1,662 |
| Pretax return on assets | 1.6990% | 1,023 |
| Return on Equity (ROE) | 9.6873% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.0353% | 4,276 |
| Net charge-offs to loans | 0.1665% | 2,058 |
| Credit loss provision to net charge-offs | 110.8518% | 1,813 |
| Earnings coverage of net charge-offs (x) | 19.1736% | 1,641 |
| Efficiency ratio | 57.5533% | 5,603 |
| Assets per employee ($millions) | 4.1806% | 3,495 |
| Cash dividends to net income (ytd only)* | 68.6672% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 4,964 |
| Loan loss allowance to noncurrent loans | 188.2609% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,880 |
| Noncurrent loans to loans | 0.5765% | 4,292 |
| Net loans and leases to total assets | 55.2112% | 4,383 |
| Net loans and leases to deposits | 67.4995% | 4,109 |
| Net loans and leases to core deposits | 67.8820% | 4,484 |
| Total domestic deposits to total assets | 81.7949% | 4,719 |
| Equity capital to assets | 12.5502% | 1,613 |
| Core capital (leverage) ratio | 8.0604% | 6,052 |
| Tier 1 risk-based capital ratio | 14.2966% | 4,066 |
| Total risk-based capital ratio | 15.4372% | 4,066 |
| Memoranda: | ||
| Average total assets | $7,290,012,000 | 138 |
| Average earning assets | $6,466,200,000 | 139 |
| Average equity | $901,989,000 | 143 |
| Average total loans | $4,118,861,000 | 164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,886 |
| Cost of funding earning assets | 0.1587% | 6,305 |
| Net interest margin | 3.7934% | 2,498 |
| Noninterest income to average assets | 1.0010% | 1,128 |
| Noninterest expense to average assets | 2.6314% | 4,177 |
| Loan and lease loss provision to assets | 0.0764% | 2,617 |
| Net operating income to assets | 1.1689% | 1,571 |
| Return on assets (ROA) | 1.1689% | 1,642 |
| Pretax return on assets | 1.6555% | 1,066 |
| Return on Equity (ROE) | 9.5174% | 2,244 |
| Retained earnings to average equity (ytd only) | 2.7495% | 4,440 |
| Net charge-offs to loans | 0.1472% | 1,836 |
| Credit loss provision to net charge-offs | 91.2583% | 1,787 |
| Earnings coverage of net charge-offs (x) | 20.6980% | 1,324 |
| Efficiency ratio | 58.9286% | 5,548 |
| Assets per employee ($millions) | 4.2176% | 3,494 |
| Cash dividends to net income (ytd only)* | 71.1103% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,170 |
| Loan loss allowance to noncurrent loans | 188.3109% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 4,991 |
| Noncurrent loans to loans | 0.5771% | 4,433 |
| Net loans and leases to total assets | 55.0070% | 4,280 |
| Net loans and leases to deposits | 66.1549% | 4,075 |
| Net loans and leases to core deposits | 66.5432% | 4,446 |
| Total domestic deposits to total assets | 83.1488% | 4,554 |
| Equity capital to assets | 12.2466% | 1,718 |
| Core capital (leverage) ratio | 7.9805% | 6,133 |
| Tier 1 risk-based capital ratio | 14.1696% | 4,212 |
| Total risk-based capital ratio | 15.3066% | 4,231 |
| Memoranda: | ||
| Average total assets | $7,218,462,000 | 139 |
| Average earning assets | $6,398,112,000 | 139 |
| Average equity | $886,549,000 | 146 |
| Average total loans | $4,103,821,500 | 165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,664 |
| Cost of funding earning assets | 0.3689% | 4,966 |
| Net interest margin | 3.7510% | 2,843 |
| Noninterest income to average assets | 0.9744% | 1,450 |
| Noninterest expense to average assets | 3.8347% | 1,084 |
| Loan and lease loss provision to assets | 0.1339% | 2,634 |
| Net operating income to assets | 0.2509% | 5,689 |
| Return on assets (ROA) | 1.0472% | 2,198 |
| Pretax return on assets | 1.4663% | 1,563 |
| Return on Equity (ROE) | 8.5035% | 2,778 |
| Retained earnings to average equity (ytd only) | 1.8502% | 4,919 |
| Net charge-offs to loans | 0.2063% | 2,814 |
| Credit loss provision to net charge-offs | 118.0027% | 2,036 |
| Earnings coverage of net charge-offs (x) | 4.2181% | 3,632 |
| Efficiency ratio | 87.5067% | 1,271 |
| Assets per employee ($millions) | 4.0050% | 3,853 |
| Cash dividends to net income (ytd only)* | 78.2421% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 5,215 |
| Loan loss allowance to noncurrent loans | 202.7328% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 5,107 |
| Noncurrent loans to loans | 0.5360% | 4,654 |
| Net loans and leases to total assets | 57.5129% | 4,121 |
| Net loans and leases to deposits | 67.8955% | 4,070 |
| Net loans and leases to core deposits | 68.3197% | 4,476 |
| Total domestic deposits to total assets | 84.7080% | 3,887 |
| Equity capital to assets | 12.3183% | 1,614 |
| Core capital (leverage) ratio | 7.9278% | 6,187 |
| Tier 1 risk-based capital ratio | 14.0301% | 4,276 |
| Total risk-based capital ratio | 15.1746% | 4,283 |
| Memoranda: | ||
| Average total assets | $7,200,518,400 | 139 |
| Average earning assets | $6,409,531,000 | 138 |
| Average equity | $886,774,400 | 138 |
| Average total loans | $3,960,403,000 | 162 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,768 |
| Cost of funding earning assets | 0.3914% | 4,894 |
| Net interest margin | 3.7062% | 3,007 |
| Noninterest income to average assets | 0.9553% | 1,592 |
| Noninterest expense to average assets | 3.7466% | 1,171 |
| Loan and lease loss provision to assets | 0.1110% | 2,909 |
| Net operating income to assets | 0.2863% | 5,661 |
| Return on assets (ROA) | 1.1213% | 1,998 |
| Pretax return on assets | 1.5767% | 1,399 |
| Return on Equity (ROE) | 9.1051% | 2,587 |
| Retained earnings to average equity (ytd only) | 2.2199% | 4,993 |
| Net charge-offs to loans | 0.1640% | 2,917 |
| Credit loss provision to net charge-offs | 124.7824% | 1,888 |
| Earnings coverage of net charge-offs (x) | 5.7526% | 3,113 |
| Efficiency ratio | 86.5504% | 1,313 |
| Assets per employee ($millions) | 4.1594% | 3,503 |
| Cash dividends to net income (ytd only)* | 75.6193% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,321 |
| Loan loss allowance to noncurrent loans | 182.1970% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 5,202 |
| Noncurrent loans to loans | 0.6050% | 4,684 |
| Net loans and leases to total assets | 54.7413% | 4,493 |
| Net loans and leases to deposits | 68.9797% | 3,936 |
| Net loans and leases to core deposits | 69.0851% | 4,424 |
| Total domestic deposits to total assets | 79.3586% | 5,665 |
| Equity capital to assets | 11.9237% | 1,967 |
| Core capital (leverage) ratio | 8.1066% | 6,145 |
| Tier 1 risk-based capital ratio | 14.0146% | 4,422 |
| Total risk-based capital ratio | 15.1428% | 4,459 |
| Memoranda: | ||
| Average total assets | $7,233,439,500 | 136 |
| Average earning assets | $6,446,534,500 | 136 |
| Average equity | $890,778,750 | 136 |
| Average total loans | $3,922,965,750 | 161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,737 |
| Cost of funding earning assets | 0.4351% | 4,607 |
| Net interest margin | 3.6643% | 3,105 |
| Noninterest income to average assets | 0.9322% | 1,710 |
| Noninterest expense to average assets | 4.3360% | 608 |
| Loan and lease loss provision to assets | 0.0945% | 3,214 |
| Net operating income to assets | -0.1574% | 6,462 |
| Return on assets (ROA) | 1.0974% | 2,050 |
| Pretax return on assets | 1.5381% | 1,514 |
| Return on Equity (ROE) | 8.8174% | 2,697 |
| Retained earnings to average equity (ytd only) | 1.4723% | 5,284 |
| Net charge-offs to loans | 0.1463% | 2,935 |
| Credit loss provision to net charge-offs | 119.8946% | 1,859 |
| Earnings coverage of net charge-offs (x) | -1.7104% | 4,756 |
| Efficiency ratio | 101.7282% | 435 |
| Assets per employee ($millions) | 3.9204% | 3,983 |
| Cash dividends to net income (ytd only)* | 83.3018% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,396 |
| Loan loss allowance to noncurrent loans | 179.0449% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 5,224 |
| Noncurrent loans to loans | 0.6207% | 4,703 |
| Net loans and leases to total assets | 55.6713% | 4,345 |
| Net loans and leases to deposits | 67.7381% | 4,050 |
| Net loans and leases to core deposits | 68.2103% | 4,473 |
| Total domestic deposits to total assets | 82.1861% | 4,990 |
| Equity capital to assets | 12.2950% | 1,708 |
| Core capital (leverage) ratio | 8.2256% | 5,984 |
| Tier 1 risk-based capital ratio | 13.9621% | 4,447 |
| Total risk-based capital ratio | 15.0907% | 4,503 |
| Memoranda: | ||
| Average total assets | $7,219,654,330 | 136 |
| Average earning assets | $6,440,733,000 | 136 |
| Average equity | $898,564,330 | 135 |
| Average total loans | $3,888,387,000 | 157 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,526 |
| Cost of funding earning assets | 0.5437% | 3,639 |
| Net interest margin | 3.6037% | 3,244 |
| Noninterest income to average assets | 0.8863% | 1,805 |
| Noninterest expense to average assets | 5.1537% | 333 |
| Loan and lease loss provision to assets | 0.0882% | 3,191 |
| Net operating income to assets | -0.8095% | 6,765 |
| Return on assets (ROA) | 1.0416% | 2,174 |
| Pretax return on assets | 1.4698% | 1,651 |
| Return on Equity (ROE) | 8.3204% | 2,807 |
| Retained earnings to average equity (ytd only) | 2.6552% | 4,692 |
| Net charge-offs to loans | 0.1702% | 2,383 |
| Credit loss provision to net charge-offs | 98.3577% | 1,899 |
| Earnings coverage of net charge-offs (x) | -11.6971% | 4,105 |
| Efficiency ratio | 124.0338% | 186 |
| Assets per employee ($millions) | 4.0714% | 3,793 |
| Cash dividends to net income (ytd only)* | 68.0878% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,532 |
| Loan loss allowance to noncurrent loans | 158.0273% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 5,193 |
| Noncurrent loans to loans | 0.7073% | 4,713 |
| Net loans and leases to total assets | 53.0799% | 4,542 |
| Net loans and leases to deposits | 65.5552% | 4,113 |
| Net loans and leases to core deposits | 65.9667% | 4,535 |
| Total domestic deposits to total assets | 80.9697% | 5,507 |
| Equity capital to assets | 12.5150% | 1,705 |
| Core capital (leverage) ratio | 7.8204% | 6,269 |
| Tier 1 risk-based capital ratio | 14.0846% | 4,442 |
| Total risk-based capital ratio | 15.2128% | 4,496 |
| Memoranda: | ||
| Average total assets | $7,332,458,500 | 138 |
| Average earning assets | $6,548,498,500 | 136 |
| Average equity | $917,889,000 | 138 |
| Average total loans | $3,863,864,000 | 161 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 3,634 |
| Cost of funding earning assets | 0.7640% | 2,971 |
| Net interest margin | 3.6804% | 3,739 |
| Noninterest income to average assets | 0.8903% | 1,895 |
| Noninterest expense to average assets | 2.5315% | 4,987 |
| Loan and lease loss provision to assets | 0.1522% | 3,711 |
| Net operating income to assets | 1.0544% | 2,104 |
| Return on assets (ROA) | 1.0574% | 2,287 |
| Pretax return on assets | 1.4914% | 1,700 |
| Return on Equity (ROE) | 8.5479% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.5479% | 954 |
| Net charge-offs to loans | 0.2788% | 3,269 |
| Credit loss provision to net charge-offs | 106.6706% | 2,783 |
| Earnings coverage of net charge-offs (x) | 11.4871% | 2,023 |
| Efficiency ratio | 59.1682% | 5,675 |
| Assets per employee ($millions) | 4.2207% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,483 |
| Loan loss allowance to noncurrent loans | 148.5945% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 5,347 |
| Noncurrent loans to loans | 0.7518% | 4,676 |
| Net loans and leases to total assets | 51.1692% | 5,014 |
| Net loans and leases to deposits | 67.2682% | 4,089 |
| Net loans and leases to core deposits | 67.7154% | 4,570 |
| Total domestic deposits to total assets | 76.0674% | 6,346 |
| Equity capital to assets | 12.5212% | 1,697 |
| Core capital (leverage) ratio | 7.5951% | 6,448 |
| Tier 1 risk-based capital ratio | 13.6623% | 4,632 |
| Total risk-based capital ratio | 14.7740% | 4,688 |
| Memoranda: | ||
| Average total assets | $7,100,302,000 | 137 |
| Average earning assets | $6,329,152,800 | 139 |
| Average equity | $878,299,600 | 140 |
| Average total loans | $3,634,702,200 | 158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 3,753 |
| Cost of funding earning assets | 0.7900% | 3,027 |
| Net interest margin | 3.6797% | 3,878 |
| Noninterest income to average assets | 0.8782% | 1,915 |
| Noninterest expense to average assets | 2.4881% | 5,120 |
| Loan and lease loss provision to assets | 0.1449% | 3,722 |
| Net operating income to assets | 1.0811% | 2,165 |
| Return on assets (ROA) | 1.0851% | 2,347 |
| Pretax return on assets | 1.5301% | 1,779 |
| Return on Equity (ROE) | 8.8005% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.8005% | 1,301 |
| Net charge-offs to loans | 0.2628% | 3,147 |
| Credit loss provision to net charge-offs | 108.0272% | 2,718 |
| Earnings coverage of net charge-offs (x) | 12.4445% | 2,002 |
| Efficiency ratio | 58.3423% | 5,740 |
| Assets per employee ($millions) | 4.2147% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,593 |
| Loan loss allowance to noncurrent loans | 140.2389% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 5,532 |
| Noncurrent loans to loans | 0.8057% | 4,798 |
| Net loans and leases to total assets | 49.9680% | 5,316 |
| Net loans and leases to deposits | 65.3097% | 4,561 |
| Net loans and leases to core deposits | 65.8257% | 4,967 |
| Total domestic deposits to total assets | 76.5093% | 6,314 |
| Equity capital to assets | 12.3160% | 2,024 |
| Core capital (leverage) ratio | 7.3946% | 6,671 |
| Tier 1 risk-based capital ratio | 13.2072% | 5,091 |
| Total risk-based capital ratio | 14.3212% | 5,148 |
| Memoranda: | ||
| Average total assets | $7,007,706,750 | 138 |
| Average earning assets | $6,245,198,500 | 140 |
| Average equity | $864,019,000 | 140 |
| Average total loans | $3,576,908,500 | 160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 3,603 |
| Cost of funding earning assets | 0.8239% | 3,000 |
| Net interest margin | 3.7166% | 3,741 |
| Noninterest income to average assets | 0.8662% | 1,905 |
| Noninterest expense to average assets | 2.4292% | 5,359 |
| Loan and lease loss provision to assets | 0.1328% | 3,867 |
| Net operating income to assets | 1.1419% | 1,906 |
| Return on assets (ROA) | 1.1419% | 2,126 |
| Pretax return on assets | 1.6125% | 1,509 |
| Return on Equity (ROE) | 9.2574% | 2,687 |
| Retained earnings to average equity (ytd only) | 9.2574% | 1,193 |
| Net charge-offs to loans | 0.2819% | 2,910 |
| Credit loss provision to net charge-offs | 91.9878% | 2,978 |
| Earnings coverage of net charge-offs (x) | 12.0874% | 1,909 |
| Efficiency ratio | 56.7275% | 6,037 |
| Assets per employee ($millions) | 4.3430% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,430 |
| Loan loss allowance to noncurrent loans | 131.6013% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 5,535 |
| Noncurrent loans to loans | 0.8985% | 4,699 |
| Net loans and leases to total assets | 49.2982% | 5,446 |
| Net loans and leases to deposits | 70.4009% | 3,838 |
| Net loans and leases to core deposits | 70.9893% | 4,414 |
| Total domestic deposits to total assets | 70.0250% | 6,903 |
| Equity capital to assets | 12.3556% | 1,908 |
| Core capital (leverage) ratio | 7.6029% | 6,565 |
| Tier 1 risk-based capital ratio | 13.8563% | 4,550 |
| Total risk-based capital ratio | 15.0188% | 4,585 |
| Memoranda: | ||
| Average total assets | $6,828,830,670 | 139 |
| Average earning assets | $6,078,581,000 | 141 |
| Average equity | $842,306,330 | 139 |
| Average total loans | $3,498,267,000 | 163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 3,689 |
| Cost of funding earning assets | 0.8729% | 2,887 |
| Net interest margin | 3.6834% | 3,908 |
| Noninterest income to average assets | 0.8740% | 1,855 |
| Noninterest expense to average assets | 2.4900% | 5,180 |
| Loan and lease loss provision to assets | 0.1096% | 3,982 |
| Net operating income to assets | 1.1094% | 2,041 |
| Return on assets (ROA) | 1.1094% | 2,224 |
| Pretax return on assets | 1.5443% | 1,759 |
| Return on Equity (ROE) | 9.0028% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.0028% | 1,597 |
| Net charge-offs to loans | 0.2640% | 2,611 |
| Credit loss provision to net charge-offs | 79.8951% | 2,729 |
| Earnings coverage of net charge-offs (x) | 12.0594% | 1,628 |
| Efficiency ratio | 58.5422% | 5,841 |
| Assets per employee ($millions) | 4.2903% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 5,419 |
| Loan loss allowance to noncurrent loans | 132.7630% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 5,614 |
| Noncurrent loans to loans | 0.9152% | 4,838 |
| Net loans and leases to total assets | 49.6504% | 5,358 |
| Net loans and leases to deposits | 67.7146% | 4,111 |
| Net loans and leases to core deposits | 68.3596% | 4,645 |
| Total domestic deposits to total assets | 73.3231% | 6,804 |
| Equity capital to assets | 12.0465% | 2,005 |
| Core capital (leverage) ratio | 7.7651% | 6,439 |
| Tier 1 risk-based capital ratio | 13.5375% | 4,801 |
| Total risk-based capital ratio | 14.7239% | 4,836 |
| Memoranda: | ||
| Average total assets | $6,673,294,500 | 141 |
| Average earning assets | $5,924,066,500 | 143 |
| Average equity | $822,369,000 | 138 |
| Average total loans | $3,466,420,000 | 161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0585% | 2,615 |
| Cost of funding earning assets | 1.0420% | 3,081 |
| Net interest margin | 4.0165% | 2,806 |
| Noninterest income to average assets | 0.9540% | 1,492 |
| Noninterest expense to average assets | 2.6892% | 4,781 |
| Loan and lease loss provision to assets | 0.1105% | 5,204 |
| Net operating income to assets | 1.2097% | 1,487 |
| Return on assets (ROA) | 1.2100% | 1,595 |
| Pretax return on assets | 1.7099% | 966 |
| Return on Equity (ROE) | 9.7071% | 2,158 |
| Retained earnings to average equity (ytd only) | 2.9341% | 4,149 |
| Net charge-offs to loans | 0.2133% | 4,456 |
| Credit loss provision to net charge-offs | 95.2293% | 3,788 |
| Earnings coverage of net charge-offs (x) | 15.6799% | 1,376 |
| Efficiency ratio | 57.9902% | 6,060 |
| Assets per employee ($millions) | 4.0379% | 3,769 |
| Cash dividends to net income (ytd only)* | 69.7731% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 5,280 |
| Loan loss allowance to noncurrent loans | 144.8385% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 5,732 |
| Noncurrent loans to loans | 0.8454% | 4,996 |
| Net loans and leases to total assets | 53.0810% | 5,159 |
| Net loans and leases to deposits | 70.8487% | 3,974 |
| Net loans and leases to core deposits | 71.7383% | 4,562 |
| Total domestic deposits to total assets | 74.9216% | 6,614 |
| Equity capital to assets | 12.6183% | 1,732 |
| Core capital (leverage) ratio | 7.5982% | 6,606 |
| Tier 1 risk-based capital ratio | 12.9918% | 5,075 |
| Total risk-based capital ratio | 14.1933% | 5,099 |
| Memoranda: | ||
| Average total assets | $6,049,787,600 | 150 |
| Average earning assets | $5,354,881,600 | 153 |
| Average equity | $754,121,800 | 144 |
| Average total loans | $3,291,950,400 | 168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 2,714 |
| Cost of funding earning assets | 1.0604% | 3,244 |
| Net interest margin | 4.0189% | 2,837 |
| Noninterest income to average assets | 0.9674% | 1,430 |
| Noninterest expense to average assets | 2.7387% | 4,583 |
| Loan and lease loss provision to assets | 0.1061% | 5,114 |
| Net operating income to assets | 1.2297% | 1,577 |
| Return on assets (ROA) | 1.2313% | 1,674 |
| Pretax return on assets | 1.6813% | 1,181 |
| Return on Equity (ROE) | 9.9112% | 2,228 |
| Retained earnings to average equity (ytd only) | 5.3998% | 2,911 |
| Net charge-offs to loans | 0.1978% | 4,218 |
| Credit loss provision to net charge-offs | 98.2350% | 3,476 |
| Earnings coverage of net charge-offs (x) | 16.5332% | 1,396 |
| Efficiency ratio | 58.8770% | 5,883 |
| Assets per employee ($millions) | 4.0021% | 3,835 |
| Cash dividends to net income (ytd only)* | 45.5183% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,346 |
| Loan loss allowance to noncurrent loans | 227.2090% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 6,236 |
| Noncurrent loans to loans | 0.5413% | 5,783 |
| Net loans and leases to total assets | 53.0017% | 5,321 |
| Net loans and leases to deposits | 70.5684% | 4,205 |
| Net loans and leases to core deposits | 71.5943% | 4,761 |
| Total domestic deposits to total assets | 75.1068% | 6,630 |
| Equity capital to assets | 12.6196% | 1,840 |
| Core capital (leverage) ratio | 7.7192% | 6,623 |
| Tier 1 risk-based capital ratio | 13.0832% | 5,035 |
| Total risk-based capital ratio | 14.2829% | 5,043 |
| Memoranda: | ||
| Average total assets | $5,947,087,250 | 152 |
| Average earning assets | $5,262,722,500 | 154 |
| Average equity | $738,848,500 | 147 |
| Average total loans | $3,246,973,750 | 173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 2,659 |
| Cost of funding earning assets | 1.0790% | 3,397 |
| Net interest margin | 4.0256% | 2,708 |
| Noninterest income to average assets | 0.9576% | 1,438 |
| Noninterest expense to average assets | 2.8236% | 4,335 |
| Loan and lease loss provision to assets | 0.0951% | 5,143 |
| Net operating income to assets | 1.1700% | 1,660 |
| Return on assets (ROA) | 1.1727% | 1,735 |
| Pretax return on assets | 1.5990% | 1,260 |
| Return on Equity (ROE) | 9.4949% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.4949% | 963 |
| Net charge-offs to loans | 0.1734% | 4,130 |
| Credit loss provision to net charge-offs | 99.8180% | 3,176 |
| Earnings coverage of net charge-offs (x) | 17.7453% | 1,283 |
| Efficiency ratio | 60.9028% | 5,744 |
| Assets per employee ($millions) | 3.9048% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,410 |
| Loan loss allowance to noncurrent loans | 210.7067% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 6,207 |
| Noncurrent loans to loans | 0.5844% | 5,761 |
| Net loans and leases to total assets | 53.9912% | 5,298 |
| Net loans and leases to deposits | 72.0857% | 4,097 |
| Net loans and leases to core deposits | 73.1371% | 4,692 |
| Total domestic deposits to total assets | 74.8986% | 6,737 |
| Equity capital to assets | 12.6964% | 1,679 |
| Core capital (leverage) ratio | 7.9991% | 6,297 |
| Tier 1 risk-based capital ratio | 12.9970% | 4,916 |
| Total risk-based capital ratio | 14.1898% | 4,946 |
| Memoranda: | ||
| Average total assets | $5,769,661,000 | 157 |
| Average earning assets | $5,097,112,330 | 157 |
| Average equity | $712,573,670 | 152 |
| Average total loans | $3,170,319,670 | 174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 3,184 |
| Cost of funding earning assets | 1.1001% | 3,517 |
| Net interest margin | 3.8818% | 3,232 |
| Noninterest income to average assets | 0.9267% | 1,560 |
| Noninterest expense to average assets | 2.6963% | 4,850 |
| Loan and lease loss provision to assets | 0.0946% | 4,827 |
| Net operating income to assets | 1.1557% | 1,645 |
| Return on assets (ROA) | 1.1557% | 1,696 |
| Pretax return on assets | 1.5685% | 1,259 |
| Return on Equity (ROE) | 9.5126% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.5126% | 1,235 |
| Net charge-offs to loans | 0.2316% | 3,156 |
| Credit loss provision to net charge-offs | 74.1123% | 3,276 |
| Earnings coverage of net charge-offs (x) | 13.0304% | 1,464 |
| Efficiency ratio | 60.2908% | 5,946 |
| Assets per employee ($millions) | 3.8740% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 4,598 |
| Loan loss allowance to noncurrent loans | 239.1606% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 6,314 |
| Noncurrent loans to loans | 0.5907% | 5,845 |
| Net loans and leases to total assets | 53.5552% | 5,373 |
| Net loans and leases to deposits | 72.9431% | 3,930 |
| Net loans and leases to core deposits | 73.6672% | 4,569 |
| Total domestic deposits to total assets | 73.4205% | 6,965 |
| Equity capital to assets | 12.2279% | 1,772 |
| Core capital (leverage) ratio | 7.6853% | 6,570 |
| Tier 1 risk-based capital ratio | 12.8011% | 4,976 |
| Total risk-based capital ratio | 14.0525% | 4,958 |
| Memoranda: | ||
| Average total assets | $5,472,040,000 | 160 |
| Average earning assets | $4,838,779,500 | 161 |
| Average equity | $664,802,500 | 159 |
| Average total loans | $3,015,814,000 | 177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 3,693 |
| Cost of funding earning assets | 1.2724% | 4,071 |
| Net interest margin | 3.9096% | 3,443 |
| Noninterest income to average assets | 1.0881% | 1,267 |
| Noninterest expense to average assets | 2.7911% | 4,642 |
| Loan and lease loss provision to assets | 0.1634% | 5,580 |
| Net operating income to assets | 1.1597% | 1,511 |
| Return on assets (ROA) | 1.1597% | 1,597 |
| Pretax return on assets | 1.5793% | 1,177 |
| Return on Equity (ROE) | 9.9863% | 1,930 |
| Retained earnings to average equity (ytd only) | 9.9863% | 529 |
| Net charge-offs to loans | 0.2689% | 4,679 |
| Credit loss provision to net charge-offs | 107.4150% | 4,135 |
| Earnings coverage of net charge-offs (x) | 11.4554% | 1,608 |
| Efficiency ratio | 59.1751% | 6,164 |
| Assets per employee ($millions) | 3.8060% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 4,451 |
| Loan loss allowance to noncurrent loans | 232.0247% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 6,327 |
| Noncurrent loans to loans | 0.6093% | 5,824 |
| Net loans and leases to total assets | 55.1284% | 5,468 |
| Net loans and leases to deposits | 75.1816% | 3,987 |
| Net loans and leases to core deposits | 75.7999% | 4,751 |
| Total domestic deposits to total assets | 73.3269% | 6,967 |
| Equity capital to assets | 12.0687% | 1,873 |
| Core capital (leverage) ratio | 7.3956% | 6,792 |
| Tier 1 risk-based capital ratio | 12.1263% | 5,356 |
| Total risk-based capital ratio | 13.3778% | 5,337 |
| Memoranda: | ||
| Average total assets | $5,434,047,800 | 159 |
| Average earning assets | $4,789,260,800 | 159 |
| Average equity | $631,022,400 | 163 |
| Average total loans | $3,074,172,000 | 176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 3,923 |
| Cost of funding earning assets | 1.2961% | 4,238 |
| Net interest margin | 3.8876% | 3,581 |
| Noninterest income to average assets | 1.0938% | 1,187 |
| Noninterest expense to average assets | 2.7923% | 4,525 |
| Loan and lease loss provision to assets | 0.1598% | 5,439 |
| Net operating income to assets | 1.1936% | 1,608 |
| Return on assets (ROA) | 1.1936% | 1,693 |
| Pretax return on assets | 1.5656% | 1,429 |
| Return on Equity (ROE) | 10.3804% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.3804% | 703 |
| Net charge-offs to loans | 0.2525% | 4,431 |
| Credit loss provision to net charge-offs | 111.5181% | 3,794 |
| Earnings coverage of net charge-offs (x) | 12.0430% | 1,727 |
| Efficiency ratio | 59.1413% | 6,089 |
| Assets per employee ($millions) | 3.7651% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,506 |
| Loan loss allowance to noncurrent loans | 239.8893% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 6,467 |
| Noncurrent loans to loans | 0.5803% | 6,051 |
| Net loans and leases to total assets | 55.5560% | 5,613 |
| Net loans and leases to deposits | 75.7952% | 4,210 |
| Net loans and leases to core deposits | 76.5961% | 4,980 |
| Total domestic deposits to total assets | 73.2976% | 7,004 |
| Equity capital to assets | 12.0745% | 2,113 |
| Core capital (leverage) ratio | 7.1052% | 7,110 |
| Tier 1 risk-based capital ratio | 11.4551% | 5,972 |
| Total risk-based capital ratio | 12.7063% | 5,956 |
| Memoranda: | ||
| Average total assets | $5,437,629,250 | 158 |
| Average earning assets | $4,788,994,750 | 159 |
| Average equity | $625,255,250 | 163 |
| Average total loans | $3,085,051,750 | 176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 4,073 |
| Cost of funding earning assets | 1.3281% | 4,358 |
| Net interest margin | 3.8460% | 3,683 |
| Noninterest income to average assets | 1.0669% | 1,178 |
| Noninterest expense to average assets | 2.7981% | 4,488 |
| Loan and lease loss provision to assets | 0.1653% | 5,234 |
| Net operating income to assets | 1.1485% | 1,700 |
| Return on assets (ROA) | 1.1485% | 1,763 |
| Pretax return on assets | 1.4902% | 1,583 |
| Return on Equity (ROE) | 10.1590% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.1590% | 812 |
| Net charge-offs to loans | 0.2442% | 4,134 |
| Credit loss provision to net charge-offs | 119.0552% | 3,415 |
| Earnings coverage of net charge-offs (x) | 11.9214% | 1,719 |
| Efficiency ratio | 59.8083% | 6,079 |
| Assets per employee ($millions) | 3.8529% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,476 |
| Loan loss allowance to noncurrent loans | 215.6542% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,451 |
| Noncurrent loans to loans | 0.6441% | 5,968 |
| Net loans and leases to total assets | 56.1354% | 5,683 |
| Net loans and leases to deposits | 76.2010% | 4,297 |
| Net loans and leases to core deposits | 77.1227% | 5,071 |
| Total domestic deposits to total assets | 73.6676% | 7,017 |
| Equity capital to assets | 11.7388% | 2,258 |
| Core capital (leverage) ratio | 6.7357% | 7,309 |
| Tier 1 risk-based capital ratio | 10.9603% | 6,278 |
| Total risk-based capital ratio | 12.2117% | 6,267 |
| Memoranda: | ||
| Average total assets | $5,426,592,330 | 160 |
| Average earning assets | $4,778,587,000 | 160 |
| Average equity | $613,484,670 | 165 |
| Average total loans | $3,085,990,330 | 176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 4,507 |
| Cost of funding earning assets | 1.3752% | 4,328 |
| Net interest margin | 3.7288% | 4,105 |
| Noninterest income to average assets | 1.0161% | 1,248 |
| Noninterest expense to average assets | 2.7932% | 4,504 |
| Loan and lease loss provision to assets | 0.1569% | 4,964 |
| Net operating income to assets | 1.0442% | 2,021 |
| Return on assets (ROA) | 1.0442% | 2,082 |
| Pretax return on assets | 1.3539% | 1,890 |
| Return on Equity (ROE) | 9.4172% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.4172% | 1,294 |
| Net charge-offs to loans | 0.2561% | 3,405 |
| Credit loss provision to net charge-offs | 107.8014% | 3,192 |
| Earnings coverage of net charge-offs (x) | 10.3774% | 1,750 |
| Efficiency ratio | 61.7602% | 5,876 |
| Assets per employee ($millions) | 3.9870% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 4,499 |
| Loan loss allowance to noncurrent loans | 236.2876% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 6,587 |
| Noncurrent loans to loans | 0.5855% | 6,137 |
| Net loans and leases to total assets | 55.2341% | 5,857 |
| Net loans and leases to deposits | 74.5063% | 4,668 |
| Net loans and leases to core deposits | 75.5241% | 5,320 |
| Total domestic deposits to total assets | 74.1335% | 7,028 |
| Equity capital to assets | 11.1499% | 2,634 |
| Core capital (leverage) ratio | 6.4018% | 7,497 |
| Tier 1 risk-based capital ratio | 10.4462% | 6,681 |
| Total risk-based capital ratio | 11.6975% | 6,678 |
| Memoranda: | ||
| Average total assets | $5,423,593,000 | 162 |
| Average earning assets | $4,782,334,000 | 161 |
| Average equity | $601,365,500 | 164 |
| Average total loans | $3,082,705,000 | 180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 5,139 |
| Cost of funding earning assets | 1.6589% | 4,742 |
| Net interest margin | 3.6495% | 4,355 |
| Noninterest income to average assets | 1.0533% | 1,400 |
| Noninterest expense to average assets | 3.0222% | 4,066 |
| Loan and lease loss provision to assets | 0.2203% | 5,601 |
| Net operating income to assets | 0.8172% | 2,467 |
| Return on assets (ROA) | 0.8172% | 2,554 |
| Pretax return on assets | 1.0383% | 2,461 |
| Return on Equity (ROE) | 7.3692% | 2,632 |
| Retained earnings to average equity (ytd only) | 1.2400% | 4,174 |
| Net charge-offs to loans | 0.2993% | 4,761 |
| Credit loss provision to net charge-offs | 125.4084% | 4,167 |
| Earnings coverage of net charge-offs (x) | 7.1643% | 2,208 |
| Efficiency ratio | 65.7401% | 5,449 |
| Assets per employee ($millions) | 3.8379% | 4,187 |
| Cash dividends to net income (ytd only)* | 83.1735% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,424 |
| Loan loss allowance to noncurrent loans | 239.5225% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 6,561 |
| Noncurrent loans to loans | 0.5685% | 6,104 |
| Net loans and leases to total assets | 56.8975% | 5,838 |
| Net loans and leases to deposits | 76.7378% | 4,618 |
| Net loans and leases to core deposits | 81.8811% | 5,920 |
| Total domestic deposits to total assets | 74.1453% | 6,998 |
| Equity capital to assets | 11.0249% | 2,694 |
| Core capital (leverage) ratio | 6.1331% | 7,603 |
| Tier 1 risk-based capital ratio | 9.7906% | 7,028 |
| Total risk-based capital ratio | 11.0413% | 7,013 |
| Memoranda: | ||
| Average total assets | $5,296,262,000 | 163 |
| Average earning assets | $4,683,851,200 | 160 |
| Average equity | $587,348,200 | 164 |
| Average total loans | $3,108,415,800 | 187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 5,240 |
| Cost of funding earning assets | 1.7184% | 4,809 |
| Net interest margin | 3.6180% | 4,416 |
| Noninterest income to average assets | 1.0226% | 1,522 |
| Noninterest expense to average assets | 2.9253% | 4,338 |
| Loan and lease loss provision to assets | 0.2147% | 5,268 |
| Net operating income to assets | 0.8517% | 2,607 |
| Return on assets (ROA) | 0.8517% | 2,673 |
| Pretax return on assets | 1.0834% | 2,632 |
| Return on Equity (ROE) | 7.6685% | 2,781 |
| Retained earnings to average equity (ytd only) | 1.5251% | 4,461 |
| Net charge-offs to loans | 0.3008% | 4,145 |
| Credit loss provision to net charge-offs | 121.0774% | 4,191 |
| Earnings coverage of net charge-offs (x) | 7.3206% | 2,426 |
| Efficiency ratio | 65.6449% | 5,431 |
| Assets per employee ($millions) | 3.7934% | 4,202 |
| Cash dividends to net income (ytd only)* | 80.1116% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,266 |
| Loan loss allowance to noncurrent loans | 248.9764% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 6,646 |
| Noncurrent loans to loans | 0.5378% | 6,233 |
| Net loans and leases to total assets | 56.9175% | 6,041 |
| Net loans and leases to deposits | 77.1699% | 4,869 |
| Net loans and leases to core deposits | 83.0624% | 6,115 |
| Total domestic deposits to total assets | 73.7560% | 6,998 |
| Equity capital to assets | 11.1453% | 2,881 |
| Core capital (leverage) ratio | 6.0779% | 7,787 |
| Tier 1 risk-based capital ratio | 10.0809% | 6,897 |
| Total risk-based capital ratio | 11.3324% | 6,846 |
| Memoranda: | ||
| Average total assets | $5,276,087,000 | 173 |
| Average earning assets | $4,667,793,000 | 170 |
| Average equity | $585,983,500 | 169 |
| Average total loans | $3,110,122,250 | 196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 5,240 |
| Cost of funding earning assets | 1.7883% | 4,818 |
| Net interest margin | 3.5918% | 4,399 |
| Noninterest income to average assets | 1.0186% | 1,528 |
| Noninterest expense to average assets | 2.9805% | 4,157 |
| Loan and lease loss provision to assets | 0.2119% | 4,925 |
| Net operating income to assets | 0.7803% | 2,933 |
| Return on assets (ROA) | 0.7803% | 3,028 |
| Pretax return on assets | 1.0043% | 2,996 |
| Return on Equity (ROE) | 7.0340% | 3,189 |
| Retained earnings to average equity (ytd only) | 0.8533% | 4,841 |
| Net charge-offs to loans | 0.3086% | 3,643 |
| Credit loss provision to net charge-offs | 115.6341% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.6378% | 2,583 |
| Efficiency ratio | 67.3559% | 5,283 |
| Assets per employee ($millions) | 3.7152% | 4,286 |
| Cash dividends to net income (ytd only)* | 87.8692% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 4,199 |
| Loan loss allowance to noncurrent loans | 295.8273% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 6,744 |
| Noncurrent loans to loans | 0.4436% | 6,412 |
| Net loans and leases to total assets | 57.5459% | 6,031 |
| Net loans and leases to deposits | 77.8976% | 4,890 |
| Net loans and leases to core deposits | 84.7465% | 6,029 |
| Total domestic deposits to total assets | 73.8738% | 6,964 |
| Equity capital to assets | 10.9783% | 2,941 |
| Core capital (leverage) ratio | 5.9735% | 7,929 |
| Tier 1 risk-based capital ratio | 9.9377% | 6,998 |
| Total risk-based capital ratio | 11.1892% | 6,923 |
| Memoranda: | ||
| Average total assets | $5,250,597,670 | 180 |
| Average earning assets | $4,645,921,000 | 179 |
| Average equity | $582,459,000 | 172 |
| Average total loans | $3,117,533,000 | 203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 5,132 |
| Cost of funding earning assets | 1.8634% | 4,812 |
| Net interest margin | 3.5940% | 4,337 |
| Noninterest income to average assets | 0.9833% | 1,532 |
| Noninterest expense to average assets | 2.8649% | 4,278 |
| Loan and lease loss provision to assets | 0.2348% | 4,104 |
| Net operating income to assets | 0.8281% | 3,009 |
| Return on assets (ROA) | 0.8281% | 3,159 |
| Pretax return on assets | 1.0647% | 3,126 |
| Return on Equity (ROE) | 7.4255% | 3,412 |
| Retained earnings to average equity (ytd only) | 1.2427% | 5,140 |
| Net charge-offs to loans | 0.3384% | 2,736 |
| Credit loss provision to net charge-offs | 115.7915% | 3,370 |
| Earnings coverage of net charge-offs (x) | 6.4084% | 2,502 |
| Efficiency ratio | 65.1343% | 5,484 |
| Assets per employee ($millions) | 3.7191% | 4,298 |
| Cash dividends to net income (ytd only)* | 83.2639% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 4,121 |
| Loan loss allowance to noncurrent loans | 263.5507% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,568 |
| Noncurrent loans to loans | 0.4899% | 6,204 |
| Net loans and leases to total assets | 58.1597% | 5,916 |
| Net loans and leases to deposits | 78.6989% | 4,814 |
| Net loans and leases to core deposits | 86.0508% | 5,897 |
| Total domestic deposits to total assets | 73.9015% | 6,908 |
| Equity capital to assets | 10.9919% | 2,968 |
| Core capital (leverage) ratio | 6.0238% | 8,001 |
| Tier 1 risk-based capital ratio | 9.6859% | 7,272 |
| Total risk-based capital ratio | 10.9367% | 7,182 |
| Memoranda: | ||
| Average total assets | $5,221,377,500 | 180 |
| Average earning assets | $4,621,629,500 | 180 |
| Average equity | $582,266,500 | 168 |
| Average total loans | $3,128,420,500 | 201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9535% | 5,795 |
| Cost of funding earning assets | 2.2704% | 5,289 |
| Net interest margin | 3.6831% | 4,536 |
| Noninterest income to average assets | 0.9889% | 1,611 |
| Noninterest expense to average assets | 2.8447% | 4,626 |
| Loan and lease loss provision to assets | 0.1740% | 5,163 |
| Net operating income to assets | 0.9548% | 2,768 |
| Return on assets (ROA) | 0.9586% | 2,622 |
| Pretax return on assets | 1.2268% | 2,560 |
| Return on Equity (ROE) | 8.5201% | 2,828 |
| Retained earnings to average equity (ytd only) | 0.3198% | 5,048 |
| Net charge-offs to loans | 0.2462% | 3,809 |
| Credit loss provision to net charge-offs | 114.4730% | 4,718 |
| Earnings coverage of net charge-offs (x) | 9.1847% | 2,740 |
| Efficiency ratio | 62.8396% | 5,806 |
| Assets per employee ($millions) | 3.6194% | 4,371 |
| Cash dividends to net income (ytd only)* | 96.2464% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 3,981 |
| Loan loss allowance to noncurrent loans | 314.4649% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 6,508 |
| Noncurrent loans to loans | 0.4042% | 6,134 |
| Net loans and leases to total assets | 60.1650% | 5,887 |
| Net loans and leases to deposits | 82.5441% | 4,645 |
| Net loans and leases to core deposits | 90.4879% | 5,757 |
| Total domestic deposits to total assets | 72.8882% | 6,848 |
| Equity capital to assets | 11.3159% | 2,787 |
| Core capital (leverage) ratio | 6.1109% | 8,045 |
| Tier 1 risk-based capital ratio | 9.5540% | 7,249 |
| Total risk-based capital ratio | 10.8048% | 7,158 |
| Memoranda: | ||
| Average total assets | $4,769,019,200 | 189 |
| Average earning assets | $4,210,454,600 | 187 |
| Average equity | $536,564,600 | 177 |
| Average total loans | $2,944,490,600 | 201 |