Home > Community Trust Bank, Inc. > Performance and Condition Ratios
Community Trust Bank, Inc., Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 1,689 |
| Cost of funding earning assets | 2.2654% | 1,597 |
| Net interest margin | 3.4725% | 2,134 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 2.0294% | 3,548 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 1.3709% | 1,122 |
| Return on assets (ROA) | 1.3794% | 1,110 |
| Pretax return on assets | 1.7855% | 843 |
| Return on Equity (ROE) | 10.8100% | 1,944 |
| Retained earnings to average equity (ytd only) | 6.7113% | 1,544 |
| Net charge-offs to loans | 0.1296% | 995 |
| Credit loss provision to net charge-offs | 198.1723% | 1,141 |
| Earnings coverage of net charge-offs (x) | 20.8612% | 1,801 |
| Efficiency ratio | 50.8564% | 3,942 |
| Assets per employee ($millions) | 6.9610% | 2,185 |
| Cash dividends to net income (ytd only)* | 37.9232% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,041 |
| Loan loss allowance to noncurrent loans | 205.9807% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 1,454 |
| Noncurrent loans to loans | 0.5948% | 1,610 |
| Net loans and leases to total assets | 72.0200% | 1,668 |
| Net loans and leases to deposits | 87.2235% | 1,477 |
| Net loans and leases to core deposits | 94.1091% | 1,833 |
| Total domestic deposits to total assets | 82.5700% | 3,130 |
| Equity capital to assets | 12.6332% | 994 |
| Core capital (leverage) ratio | 13.2882% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $5,878,347,200 | 255 |
| Average earning assets | $5,442,385,600 | 243 |
| Average equity | $749,999,800 | 214 |
| Average total loans | $4,262,259,400 | 239 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 1,677 |
| Cost of funding earning assets | 2.2790% | 1,571 |
| Net interest margin | 3.4451% | 2,144 |
| Noninterest income to average assets | 0.7800% | 920 |
| Noninterest expense to average assets | 2.0409% | 3,467 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 1.3487% | 1,218 |
| Return on assets (ROA) | 1.3507% | 1,212 |
| Pretax return on assets | 1.7388% | 955 |
| Return on Equity (ROE) | 10.5600% | 2,033 |
| Retained earnings to average equity (ytd only) | 6.5223% | 1,899 |
| Net charge-offs to loans | 0.1441% | 760 |
| Credit loss provision to net charge-offs | 183.9455% | 1,142 |
| Earnings coverage of net charge-offs (x) | 18.4779% | 1,810 |
| Efficiency ratio | 51.4187% | 3,904 |
| Assets per employee ($millions) | 6.6271% | 2,416 |
| Cash dividends to net income (ytd only)* | 38.2302% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,080 |
| Loan loss allowance to noncurrent loans | 212.6659% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,541 |
| Noncurrent loans to loans | 0.5767% | 1,651 |
| Net loans and leases to total assets | 72.5300% | 1,540 |
| Net loans and leases to deposits | 88.6907% | 1,370 |
| Net loans and leases to core deposits | 95.3012% | 1,799 |
| Total domestic deposits to total assets | 81.7800% | 3,150 |
| Equity capital to assets | 13.1767% | 925 |
| Core capital (leverage) ratio | 13.5147% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $5,809,553,250 | 251 |
| Average earning assets | $5,371,269,000 | 243 |
| Average equity | $743,153,000 | 216 |
| Average total loans | $4,206,119,000 | 235 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 1,663 |
| Cost of funding earning assets | 2.2580% | 1,535 |
| Net interest margin | 3.4057% | 2,158 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 2.0422% | 3,464 |
| Loan and lease loss provision to assets | 0.2000% | 545 |
| Net operating income to assets | 1.3020% | 1,257 |
| Return on assets (ROA) | 1.2992% | 1,276 |
| Pretax return on assets | 1.7020% | 973 |
| Return on Equity (ROE) | 10.2600% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.8825% | 2,047 |
| Net charge-offs to loans | 0.1454% | 683 |
| Credit loss provision to net charge-offs | 186.1727% | 1,073 |
| Earnings coverage of net charge-offs (x) | 18.1426% | 1,680 |
| Efficiency ratio | 51.7952% | 3,913 |
| Assets per employee ($millions) | 6.5469% | 2,369 |
| Cash dividends to net income (ytd only)* | 42.6780% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,120 |
| Loan loss allowance to noncurrent loans | 262.9753% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 1,686 |
| Noncurrent loans to loans | 0.4653% | 1,841 |
| Net loans and leases to total assets | 72.9800% | 1,534 |
| Net loans and leases to deposits | 88.7898% | 1,420 |
| Net loans and leases to core deposits | 94.2493% | 1,847 |
| Total domestic deposits to total assets | 82.2000% | 3,043 |
| Equity capital to assets | 12.8279% | 913 |
| Core capital (leverage) ratio | 13.4164% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $5,771,182,667 | 254 |
| Average earning assets | $5,335,305,667 | 244 |
| Average equity | $730,644,667 | 215 |
| Average total loans | $4,157,962,333 | 236 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5915% | 1,644 |
| Cost of funding earning assets | 2.2707% | 1,403 |
| Net interest margin | 3.3208% | 2,300 |
| Noninterest income to average assets | 0.7600% | 904 |
| Noninterest expense to average assets | 2.0393% | 3,485 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 1.2590% | 1,308 |
| Return on assets (ROA) | 1.2793% | 1,284 |
| Pretax return on assets | 1.6387% | 1,034 |
| Return on Equity (ROE) | 10.1700% | 2,085 |
| Retained earnings to average equity (ytd only) | 5.2136% | 2,338 |
| Net charge-offs to loans | 0.1586% | 535 |
| Credit loss provision to net charge-offs | 163.1450% | 902 |
| Earnings coverage of net charge-offs (x) | 15.9306% | 1,446 |
| Efficiency ratio | 53.1580% | 3,816 |
| Assets per employee ($millions) | 6.4721% | 2,474 |
| Cash dividends to net income (ytd only)* | 48.7461% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,204 |
| Loan loss allowance to noncurrent loans | 319.0197% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 1,938 |
| Noncurrent loans to loans | 0.3809% | 1,986 |
| Net loans and leases to total assets | 70.7300% | 1,716 |
| Net loans and leases to deposits | 85.8016% | 1,551 |
| Net loans and leases to core deposits | 91.2916% | 1,960 |
| Total domestic deposits to total assets | 82.4300% | 3,102 |
| Equity capital to assets | 12.5265% | 979 |
| Core capital (leverage) ratio | 13.2562% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $5,772,857,000 | 255 |
| Average earning assets | $5,345,283,500 | 247 |
| Average equity | $726,022,000 | 220 |
| Average total loans | $4,106,145,000 | 245 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 1,586 |
| Cost of funding earning assets | 1.7917% | 1,262 |
| Net interest margin | 3.4538% | 2,292 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.0659% | 3,485 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.3904% | 1,230 |
| Return on assets (ROA) | 1.4046% | 1,185 |
| Pretax return on assets | 1.7783% | 914 |
| Return on Equity (ROE) | 11.4400% | 2,115 |
| Retained earnings to average equity (ytd only) | 7.6911% | 1,634 |
| Net charge-offs to loans | 0.0835% | 1,028 |
| Credit loss provision to net charge-offs | 209.6337% | 1,189 |
| Earnings coverage of net charge-offs (x) | 32.3447% | 1,589 |
| Efficiency ratio | 52.1180% | 3,818 |
| Assets per employee ($millions) | 6.2256% | 2,609 |
| Cash dividends to net income (ytd only)* | 32.7890% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,159 |
| Loan loss allowance to noncurrent loans | 354.6893% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 1,869 |
| Noncurrent loans to loans | 0.3448% | 1,947 |
| Net loans and leases to total assets | 69.7900% | 1,833 |
| Net loans and leases to deposits | 84.5767% | 1,731 |
| Net loans and leases to core deposits | 90.3019% | 2,029 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 12.6272% | 960 |
| Core capital (leverage) ratio | 13.2199% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $5,536,719,000 | 258 |
| Average earning assets | $5,107,107,000 | 252 |
| Average equity | $679,615,800 | 218 |
| Average total loans | $3,890,590,000 | 244 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 1,571 |
| Cost of funding earning assets | 1.6395% | 1,305 |
| Net interest margin | 3.4944% | 2,222 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.0705% | 3,419 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.4265% | 1,264 |
| Return on assets (ROA) | 1.4407% | 1,215 |
| Pretax return on assets | 1.8308% | 961 |
| Return on Equity (ROE) | 11.8300% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.5349% | 1,806 |
| Net charge-offs to loans | 0.0782% | 935 |
| Credit loss provision to net charge-offs | 221.2578% | 1,057 |
| Earnings coverage of net charge-offs (x) | 35.6160% | 1,509 |
| Efficiency ratio | 51.4474% | 3,800 |
| Assets per employee ($millions) | 6.2089% | 2,555 |
| Cash dividends to net income (ytd only)* | 27.8274% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,261 |
| Loan loss allowance to noncurrent loans | 375.1945% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 1,921 |
| Noncurrent loans to loans | 0.3258% | 2,066 |
| Net loans and leases to total assets | 70.2100% | 1,803 |
| Net loans and leases to deposits | 84.8296% | 1,663 |
| Net loans and leases to core deposits | 90.3897% | 1,906 |
| Total domestic deposits to total assets | 82.7600% | 3,057 |
| Equity capital to assets | 12.0791% | 1,022 |
| Core capital (leverage) ratio | 13.3159% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $5,487,456,250 | 264 |
| Average earning assets | $5,059,149,750 | 256 |
| Average equity | $668,516,500 | 221 |
| Average total loans | $3,850,473,000 | 248 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 1,580 |
| Cost of funding earning assets | 1.4677% | 1,305 |
| Net interest margin | 3.5236% | 2,215 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.1014% | 3,341 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4118% | 1,298 |
| Return on assets (ROA) | 1.4229% | 1,256 |
| Pretax return on assets | 1.8217% | 971 |
| Return on Equity (ROE) | 11.6500% | 2,260 |
| Retained earnings to average equity (ytd only) | 7.1390% | 2,241 |
| Net charge-offs to loans | 0.0572% | 961 |
| Credit loss provision to net charge-offs | 287.2243% | 882 |
| Earnings coverage of net charge-offs (x) | 48.5395% | 1,300 |
| Efficiency ratio | 52.0122% | 3,771 |
| Assets per employee ($millions) | 5.9692% | 2,733 |
| Cash dividends to net income (ytd only)* | 38.7007% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,336 |
| Loan loss allowance to noncurrent loans | 408.8726% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 1,942 |
| Noncurrent loans to loans | 0.2988% | 2,062 |
| Net loans and leases to total assets | 70.6900% | 1,666 |
| Net loans and leases to deposits | 85.6765% | 1,523 |
| Net loans and leases to core deposits | 90.2887% | 1,779 |
| Total domestic deposits to total assets | 82.5100% | 3,138 |
| Equity capital to assets | 12.3417% | 964 |
| Core capital (leverage) ratio | 13.2386% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $5,447,726,667 | 256 |
| Average earning assets | $5,028,557,000 | 252 |
| Average equity | $665,612,000 | 217 |
| Average total loans | $3,805,624,333 | 243 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 1,491 |
| Cost of funding earning assets | 1.2894% | 1,254 |
| Net interest margin | 3.5692% | 2,193 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.1334% | 3,294 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.4173% | 1,359 |
| Return on assets (ROA) | 1.4300% | 1,301 |
| Pretax return on assets | 1.8273% | 1,022 |
| Return on Equity (ROE) | 11.7600% | 2,281 |
| Retained earnings to average equity (ytd only) | 6.0024% | 2,763 |
| Net charge-offs to loans | 0.0442% | 915 |
| Credit loss provision to net charge-offs | 269.5652% | 726 |
| Earnings coverage of net charge-offs (x) | 62.9348% | 995 |
| Efficiency ratio | 52.6212% | 3,727 |
| Assets per employee ($millions) | 6.1731% | 2,609 |
| Cash dividends to net income (ytd only)* | 48.9766% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,357 |
| Loan loss allowance to noncurrent loans | 382.3028% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 1,781 |
| Noncurrent loans to loans | 0.3233% | 1,990 |
| Net loans and leases to total assets | 67.8300% | 1,855 |
| Net loans and leases to deposits | 81.7899% | 1,673 |
| Net loans and leases to core deposits | 85.5140% | 1,897 |
| Total domestic deposits to total assets | 82.9300% | 3,310 |
| Equity capital to assets | 12.2295% | 934 |
| Core capital (leverage) ratio | 13.0970% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $5,425,761,500 | 269 |
| Average earning assets | $5,008,784,500 | 262 |
| Average equity | $659,536,000 | 221 |
| Average total loans | $3,743,470,000 | 252 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 1,886 |
| Cost of funding earning assets | 0.5337% | 1,200 |
| Net interest margin | 3.4077% | 2,232 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.0271% | 3,510 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5052% | 871 |
| Return on assets (ROA) | 1.5027% | 839 |
| Pretax return on assets | 1.8614% | 637 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.0911% | 1,793 |
| Net charge-offs to loans | 0.0191% | 1,718 |
| Credit loss provision to net charge-offs | 721.3235% | 534 |
| Earnings coverage of net charge-offs (x) | 155.7309% | 768 |
| Efficiency ratio | 50.8345% | 4,077 |
| Assets per employee ($millions) | 5.7479% | 2,992 |
| Cash dividends to net income (ytd only)* | 34.1875% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,198 |
| Loan loss allowance to noncurrent loans | 300.3527% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 1,446 |
| Noncurrent loans to loans | 0.4127% | 1,686 |
| Net loans and leases to total assets | 68.4600% | 1,793 |
| Net loans and leases to deposits | 82.5078% | 1,580 |
| Net loans and leases to core deposits | 86.2266% | 1,734 |
| Total domestic deposits to total assets | 82.9700% | 3,425 |
| Equity capital to assets | 12.0797% | 906 |
| Core capital (leverage) ratio | 12.9760% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $5,401,531,200 | 262 |
| Average earning assets | $5,003,411,600 | 255 |
| Average equity | $660,229,200 | 220 |
| Average total loans | $3,565,872,800 | 251 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 1,998 |
| Cost of funding earning assets | 0.3916% | 1,351 |
| Net interest margin | 3.3232% | 2,221 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.0322% | 3,394 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.4417% | 975 |
| Return on assets (ROA) | 1.4361% | 968 |
| Pretax return on assets | 1.8022% | 730 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 7.8980% | 2,042 |
| Net charge-offs to loans | 0.0260% | 1,302 |
| Credit loss provision to net charge-offs | 488.5341% | 624 |
| Earnings coverage of net charge-offs (x) | 111.6023% | 886 |
| Efficiency ratio | 51.7649% | 4,030 |
| Assets per employee ($millions) | 5.9908% | 2,770 |
| Cash dividends to net income (ytd only)* | 32.5822% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,405 |
| Loan loss allowance to noncurrent loans | 324.5180% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 1,808 |
| Noncurrent loans to loans | 0.3770% | 1,882 |
| Net loans and leases to total assets | 65.8700% | 1,902 |
| Net loans and leases to deposits | 78.9143% | 1,641 |
| Net loans and leases to core deposits | 83.2034% | 1,705 |
| Total domestic deposits to total assets | 83.4700% | 3,610 |
| Equity capital to assets | 11.4247% | 1,029 |
| Core capital (leverage) ratio | 12.6822% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $5,414,090,250 | 262 |
| Average earning assets | $5,020,779,750 | 255 |
| Average equity | $663,681,250 | 222 |
| Average total loans | $3,529,991,250 | 250 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 2,041 |
| Cost of funding earning assets | 0.2955% | 1,759 |
| Net interest margin | 3.2349% | 2,090 |
| Noninterest income to average assets | 0.8370% | 973 |
| Noninterest expense to average assets | 1.9906% | 3,453 |
| Loan and lease loss provision to assets | 0.0375% | 1,917 |
| Net operating income to assets | 1.4489% | 800 |
| Return on assets (ROA) | 1.4452% | 788 |
| Pretax return on assets | 1.8101% | 582 |
| Return on Equity (ROE) | 11.5260% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.5410% | 1,797 |
| Net charge-offs to loans | 0.0208% | 1,317 |
| Credit loss provision to net charge-offs | 261.5385% | 851 |
| Earnings coverage of net charge-offs (x) | 137.4835% | 688 |
| Efficiency ratio | 51.8001% | 4,143 |
| Assets per employee ($millions) | 5.9911% | 2,755 |
| Cash dividends to net income (ytd only)* | 34.5746% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,744 |
| Loan loss allowance to noncurrent loans | 305.9096% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 1,841 |
| Noncurrent loans to loans | 0.3889% | 1,970 |
| Net loans and leases to total assets | 64.9386% | 1,813 |
| Net loans and leases to deposits | 78.4527% | 1,508 |
| Net loans and leases to core deposits | 83.0284% | 1,519 |
| Total domestic deposits to total assets | 82.7741% | 3,904 |
| Equity capital to assets | 11.9857% | 882 |
| Core capital (leverage) ratio | 12.5510% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,403,581,333 | 259 |
| Average earning assets | $5,021,121,000 | 254 |
| Average equity | $677,526,333 | 217 |
| Average total loans | $3,496,102,000 | 247 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 1,948 |
| Cost of funding earning assets | 0.2561% | 2,082 |
| Net interest margin | 3.1946% | 1,900 |
| Noninterest income to average assets | 0.8393% | 955 |
| Noninterest expense to average assets | 1.9673% | 3,512 |
| Loan and lease loss provision to assets | 0.0693% | 1,184 |
| Net operating income to assets | 1.4155% | 769 |
| Return on assets (ROA) | 1.4213% | 751 |
| Pretax return on assets | 1.7880% | 559 |
| Return on Equity (ROE) | 11.0900% | 1,590 |
| Retained earnings to average equity (ytd only) | 6.4639% | 2,086 |
| Net charge-offs to loans | 0.0372% | 919 |
| Credit loss provision to net charge-offs | 271.7391% | 700 |
| Earnings coverage of net charge-offs (x) | 77.5248% | 755 |
| Efficiency ratio | 51.5366% | 4,224 |
| Assets per employee ($millions) | 5.9651% | 2,838 |
| Cash dividends to net income (ytd only)* | 41.7145% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,847 |
| Loan loss allowance to noncurrent loans | 309.0504% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 1,938 |
| Noncurrent loans to loans | 0.3892% | 2,092 |
| Net loans and leases to total assets | 64.2323% | 1,595 |
| Net loans and leases to deposits | 78.2964% | 1,267 |
| Net loans and leases to core deposits | 83.0383% | 1,295 |
| Total domestic deposits to total assets | 82.0373% | 4,069 |
| Equity capital to assets | 12.3624% | 842 |
| Core capital (leverage) ratio | 12.5284% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,397,401,500 | 262 |
| Average earning assets | $5,031,428,000 | 259 |
| Average equity | $691,720,000 | 214 |
| Average total loans | $3,464,463,500 | 248 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 2,448 |
| Cost of funding earning assets | 0.2831% | 2,569 |
| Net interest margin | 3.2933% | 2,331 |
| Noninterest income to average assets | 0.8918% | 1,227 |
| Noninterest expense to average assets | 2.0186% | 3,622 |
| Loan and lease loss provision to assets | -0.1237% | 4,587 |
| Net operating income to assets | 1.6435% | 718 |
| Return on assets (ROA) | 1.6403% | 760 |
| Pretax return on assets | 2.0648% | 538 |
| Return on Equity (ROE) | 12.5495% | 1,629 |
| Retained earnings to average equity (ytd only) | 8.3479% | 1,406 |
| Net charge-offs to loans | -0.0034% | 3,459 |
| Credit loss provision to net charge-offs | 5,321.6667% | 138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9248% | 4,210 |
| Assets per employee ($millions) | 5.8337% | 2,914 |
| Cash dividends to net income (ytd only)* | 33.4798% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,768 |
| Loan loss allowance to noncurrent loans | 251.1639% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 1,730 |
| Noncurrent loans to loans | 0.4873% | 1,908 |
| Net loans and leases to total assets | 62.5815% | 1,874 |
| Net loans and leases to deposits | 77.3947% | 1,456 |
| Net loans and leases to core deposits | 82.0785% | 1,456 |
| Total domestic deposits to total assets | 80.8601% | 4,119 |
| Equity capital to assets | 13.2714% | 828 |
| Core capital (leverage) ratio | 12.4189% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,326,321,400 | 258 |
| Average earning assets | $4,968,582,600 | 252 |
| Average equity | $696,171,600 | 216 |
| Average total loans | $3,481,831,400 | 242 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 2,579 |
| Cost of funding earning assets | 0.2900% | 2,689 |
| Net interest margin | 3.3020% | 2,409 |
| Noninterest income to average assets | 0.8947% | 1,271 |
| Noninterest expense to average assets | 2.0100% | 3,643 |
| Loan and lease loss provision to assets | -0.1787% | 4,725 |
| Net operating income to assets | 1.6996% | 829 |
| Return on assets (ROA) | 1.6994% | 869 |
| Pretax return on assets | 2.1426% | 621 |
| Return on Equity (ROE) | 13.0530% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.0043% | 1,691 |
| Net charge-offs to loans | -0.0043% | 3,386 |
| Credit loss provision to net charge-offs | 6,177.6786% | 127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5766% | 4,168 |
| Assets per employee ($millions) | 5.8878% | 2,802 |
| Cash dividends to net income (ytd only)* | 31.0174% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,951 |
| Loan loss allowance to noncurrent loans | 220.0011% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 1,740 |
| Noncurrent loans to loans | 0.5493% | 1,945 |
| Net loans and leases to total assets | 62.9501% | 1,895 |
| Net loans and leases to deposits | 78.2778% | 1,462 |
| Net loans and leases to core deposits | 82.7592% | 1,518 |
| Total domestic deposits to total assets | 80.4188% | 4,178 |
| Equity capital to assets | 13.2495% | 921 |
| Core capital (leverage) ratio | 12.1491% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,311,780,750 | 258 |
| Average earning assets | $4,953,815,750 | 253 |
| Average equity | $691,565,750 | 216 |
| Average total loans | $3,499,428,000 | 242 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 2,764 |
| Cost of funding earning assets | 0.2958% | 2,816 |
| Net interest margin | 3.2574% | 2,591 |
| Noninterest income to average assets | 0.9202% | 1,217 |
| Noninterest expense to average assets | 1.9906% | 3,729 |
| Loan and lease loss provision to assets | -0.2626% | 4,817 |
| Net operating income to assets | 1.7605% | 780 |
| Return on assets (ROA) | 1.7620% | 818 |
| Pretax return on assets | 2.2343% | 543 |
| Return on Equity (ROE) | 13.6146% | 1,537 |
| Retained earnings to average equity (ytd only) | 9.5313% | 1,542 |
| Net charge-offs to loans | -0.0243% | 4,064 |
| Credit loss provision to net charge-offs | 1,574.8252% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2635% | 4,216 |
| Assets per employee ($millions) | 6.0068% | 2,600 |
| Cash dividends to net income (ytd only)* | 29.9921% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,891 |
| Loan loss allowance to noncurrent loans | 197.1768% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 1,688 |
| Noncurrent loans to loans | 0.6123% | 1,870 |
| Net loans and leases to total assets | 62.4839% | 2,121 |
| Net loans and leases to deposits | 78.7763% | 1,550 |
| Net loans and leases to core deposits | 83.2131% | 1,625 |
| Total domestic deposits to total assets | 79.3182% | 4,312 |
| Equity capital to assets | 12.8545% | 995 |
| Core capital (leverage) ratio | 11.8984% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,298,385,000 | 256 |
| Average earning assets | $4,945,091,667 | 251 |
| Average equity | $685,718,000 | 216 |
| Average total loans | $3,529,142,333 | 242 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 2,550 |
| Cost of funding earning assets | 0.3049% | 2,936 |
| Net interest margin | 3.3228% | 2,321 |
| Noninterest income to average assets | 0.9760% | 1,174 |
| Noninterest expense to average assets | 1.9947% | 3,729 |
| Loan and lease loss provision to assets | -0.1896% | 4,803 |
| Net operating income to assets | 1.7888% | 805 |
| Return on assets (ROA) | 1.7749% | 877 |
| Pretax return on assets | 2.2503% | 634 |
| Return on Equity (ROE) | 13.6663% | 1,498 |
| Retained earnings to average equity (ytd only) | 9.2391% | 1,874 |
| Net charge-offs to loans | 0.0198% | 1,342 |
| Credit loss provision to net charge-offs | -1,411.8644% | 3,452 |
| Earnings coverage of net charge-offs (x) | 153.1582% | 483 |
| Efficiency ratio | 48.9732% | 4,265 |
| Assets per employee ($millions) | 5.8020% | 2,796 |
| Cash dividends to net income (ytd only)* | 32.3946% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,555 |
| Loan loss allowance to noncurrent loans | 215.5331% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 1,857 |
| Noncurrent loans to loans | 0.5916% | 2,090 |
| Net loans and leases to total assets | 65.9230% | 1,806 |
| Net loans and leases to deposits | 82.7545% | 1,269 |
| Net loans and leases to core deposits | 87.3651% | 1,425 |
| Total domestic deposits to total assets | 79.6610% | 4,243 |
| Equity capital to assets | 12.7807% | 972 |
| Core capital (leverage) ratio | 12.1223% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $5,217,508,000 | 255 |
| Average earning assets | $4,862,851,000 | 252 |
| Average equity | $677,640,000 | 219 |
| Average total loans | $3,567,011,000 | 242 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 2,701 |
| Cost of funding earning assets | 0.5468% | 2,630 |
| Net interest margin | 3.4597% | 2,598 |
| Noninterest income to average assets | 0.8782% | 1,319 |
| Noninterest expense to average assets | 2.3127% | 3,372 |
| Loan and lease loss provision to assets | 0.3375% | 1,040 |
| Net operating income to assets | 1.2148% | 1,502 |
| Return on assets (ROA) | 1.2447% | 1,506 |
| Pretax return on assets | 1.4605% | 1,468 |
| Return on Equity (ROE) | 9.0917% | 2,362 |
| Retained earnings to average equity (ytd only) | 5.0462% | 2,255 |
| Net charge-offs to loans | 0.1785% | 939 |
| Credit loss provision to net charge-offs | 260.4610% | 1,886 |
| Earnings coverage of net charge-offs (x) | 13.6059% | 2,270 |
| Efficiency ratio | 56.7468% | 3,890 |
| Assets per employee ($millions) | 5.4004% | 2,954 |
| Cash dividends to net income (ytd only)* | 44.4964% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,225 |
| Loan loss allowance to noncurrent loans | 180.6901% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 1,561 |
| Noncurrent loans to loans | 0.7429% | 1,846 |
| Net loans and leases to total assets | 69.0858% | 1,675 |
| Net loans and leases to deposits | 87.6312% | 1,127 |
| Net loans and leases to core deposits | 92.7526% | 1,323 |
| Total domestic deposits to total assets | 78.8369% | 4,220 |
| Equity capital to assets | 13.2037% | 1,023 |
| Core capital (leverage) ratio | 12.1333% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,755,261,000 | 255 |
| Average earning assets | $4,394,700,200 | 249 |
| Average equity | $651,025,600 | 219 |
| Average total loans | $3,452,405,200 | 243 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 2,621 |
| Cost of funding earning assets | 0.6118% | 2,536 |
| Net interest margin | 3.5087% | 2,563 |
| Noninterest income to average assets | 0.8527% | 1,340 |
| Noninterest expense to average assets | 2.2593% | 3,529 |
| Loan and lease loss provision to assets | 0.4311% | 769 |
| Net operating income to assets | 1.1958% | 1,648 |
| Return on assets (ROA) | 1.2260% | 1,677 |
| Pretax return on assets | 1.4337% | 1,626 |
| Return on Equity (ROE) | 8.8689% | 2,451 |
| Retained earnings to average equity (ytd only) | 4.6659% | 2,711 |
| Net charge-offs to loans | 0.2043% | 750 |
| Credit loss provision to net charge-offs | 287.9412% | 1,803 |
| Earnings coverage of net charge-offs (x) | 12.2194% | 2,258 |
| Efficiency ratio | 55.2542% | 4,009 |
| Assets per employee ($millions) | 5.4665% | 2,740 |
| Cash dividends to net income (ytd only)* | 47.3901% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,997 |
| Loan loss allowance to noncurrent loans | 160.6549% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 1,258 |
| Noncurrent loans to loans | 0.8348% | 1,758 |
| Net loans and leases to total assets | 70.7291% | 1,854 |
| Net loans and leases to deposits | 90.4319% | 1,228 |
| Net loans and leases to core deposits | 95.6210% | 1,490 |
| Total domestic deposits to total assets | 78.2126% | 4,165 |
| Equity capital to assets | 13.2912% | 1,069 |
| Core capital (leverage) ratio | 12.0550% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,666,878,000 | 255 |
| Average earning assets | $4,304,539,000 | 250 |
| Average equity | $645,144,250 | 216 |
| Average total loans | $3,421,139,000 | 243 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,557 |
| Cost of funding earning assets | 0.6708% | 2,553 |
| Net interest margin | 3.5959% | 2,499 |
| Noninterest income to average assets | 0.7787% | 1,493 |
| Noninterest expense to average assets | 2.2747% | 3,590 |
| Loan and lease loss provision to assets | 0.5553% | 597 |
| Net operating income to assets | 1.0879% | 2,008 |
| Return on assets (ROA) | 1.1289% | 1,998 |
| Pretax return on assets | 1.3058% | 2,013 |
| Return on Equity (ROE) | 8.0532% | 2,726 |
| Retained earnings to average equity (ytd only) | 3.4099% | 3,219 |
| Net charge-offs to loans | 0.2470% | 637 |
| Credit loss provision to net charge-offs | 304.2788% | 1,608 |
| Earnings coverage of net charge-offs (x) | 9.9361% | 2,187 |
| Efficiency ratio | 55.6426% | 3,988 |
| Assets per employee ($millions) | 5.4002% | 2,737 |
| Cash dividends to net income (ytd only)* | 57.6575% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,967 |
| Loan loss allowance to noncurrent loans | 128.9764% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0765% | 1,068 |
| Noncurrent loans to loans | 1.0134% | 1,529 |
| Net loans and leases to total assets | 70.4140% | 1,967 |
| Net loans and leases to deposits | 88.0785% | 1,552 |
| Net loans and leases to core deposits | 93.9749% | 1,741 |
| Total domestic deposits to total assets | 79.9446% | 3,854 |
| Equity capital to assets | 13.0026% | 1,164 |
| Core capital (leverage) ratio | 12.2819% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,558,862,667 | 257 |
| Average earning assets | $4,195,507,667 | 252 |
| Average equity | $639,075,000 | 218 |
| Average total loans | $3,368,844,000 | 245 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4897% | 2,337 |
| Cost of funding earning assets | 0.8015% | 2,387 |
| Net interest margin | 3.6882% | 2,365 |
| Noninterest income to average assets | 0.7658% | 1,411 |
| Noninterest expense to average assets | 2.4231% | 3,487 |
| Loan and lease loss provision to assets | 1.1717% | 161 |
| Net operating income to assets | 0.5403% | 3,775 |
| Return on assets (ROA) | 0.5540% | 3,788 |
| Pretax return on assets | 0.5641% | 3,994 |
| Return on Equity (ROE) | 3.7935% | 4,008 |
| Retained earnings to average equity (ytd only) | -1.1548% | 4,162 |
| Net charge-offs to loans | 0.1710% | 774 |
| Credit loss provision to net charge-offs | 908.9413% | 617 |
| Earnings coverage of net charge-offs (x) | 13.3577% | 1,655 |
| Efficiency ratio | 58.4588% | 3,943 |
| Assets per employee ($millions) | 4.5544% | 3,191 |
| Cash dividends to net income (ytd only)* | 130.4427% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,327 |
| Loan loss allowance to noncurrent loans | 139.7659% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 930 |
| Noncurrent loans to loans | 1.0756% | 1,545 |
| Net loans and leases to total assets | 74.7933% | 1,488 |
| Net loans and leases to deposits | 94.9389% | 1,002 |
| Net loans and leases to core deposits | 102.3311% | 1,299 |
| Total domestic deposits to total assets | 78.7804% | 4,092 |
| Equity capital to assets | 14.5932% | 862 |
| Core capital (leverage) ratio | 13.2921% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,337,993,500 | 262 |
| Average earning assets | $3,974,590,500 | 256 |
| Average equity | $633,509,000 | 221 |
| Average total loans | $3,269,387,500 | 244 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 2,274 |
| Cost of funding earning assets | 0.9720% | 1,849 |
| Net interest margin | 3.7463% | 2,669 |
| Noninterest income to average assets | 0.8942% | 1,184 |
| Noninterest expense to average assets | 2.5411% | 3,347 |
| Loan and lease loss provision to assets | 0.1121% | 1,869 |
| Net operating income to assets | 1.3978% | 1,351 |
| Return on assets (ROA) | 1.4130% | 1,379 |
| Pretax return on assets | 1.6772% | 1,250 |
| Return on Equity (ROE) | 9.8852% | 2,347 |
| Retained earnings to average equity (ytd only) | 5.4899% | 2,170 |
| Net charge-offs to loans | 0.1752% | 1,154 |
| Credit loss provision to net charge-offs | 85.5798% | 2,720 |
| Earnings coverage of net charge-offs (x) | 13.5177% | 2,355 |
| Efficiency ratio | 58.9264% | 3,846 |
| Assets per employee ($millions) | 4.5879% | 3,097 |
| Cash dividends to net income (ytd only)* | 44.4642% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,058 |
| Loan loss allowance to noncurrent loans | 104.3933% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 952 |
| Noncurrent loans to loans | 1.0345% | 1,463 |
| Net loans and leases to total assets | 73.9918% | 1,754 |
| Net loans and leases to deposits | 93.9092% | 1,163 |
| Net loans and leases to core deposits | 101.3904% | 1,452 |
| Total domestic deposits to total assets | 78.7909% | 4,220 |
| Equity capital to assets | 14.6143% | 895 |
| Core capital (leverage) ratio | 13.3384% | 1,104 |
| Tier 1 risk-based capital ratio | 18.0049% | 1,758 |
| Total risk-based capital ratio | 19.1217% | 1,747 |
| Memoranda: | ||
| Average total assets | $4,297,465,000 | 251 |
| Average earning assets | $3,920,986,800 | 252 |
| Average equity | $614,279,000 | 220 |
| Average total loans | $3,214,862,600 | 240 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 2,248 |
| Cost of funding earning assets | 1.0000% | 1,763 |
| Net interest margin | 3.7593% | 2,720 |
| Noninterest income to average assets | 0.8721% | 1,214 |
| Noninterest expense to average assets | 2.5603% | 3,277 |
| Loan and lease loss provision to assets | 0.0935% | 2,039 |
| Net operating income to assets | 1.3802% | 1,530 |
| Return on assets (ROA) | 1.3951% | 1,548 |
| Pretax return on assets | 1.6613% | 1,438 |
| Return on Equity (ROE) | 9.8156% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.2188% | 2,786 |
| Net charge-offs to loans | 0.1706% | 999 |
| Credit loss provision to net charge-offs | 73.2635% | 2,583 |
| Earnings coverage of net charge-offs (x) | 13.6083% | 2,282 |
| Efficiency ratio | 59.5785% | 3,715 |
| Assets per employee ($millions) | 4.5433% | 3,133 |
| Cash dividends to net income (ytd only)* | 46.8311% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,122 |
| Loan loss allowance to noncurrent loans | 110.7925% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 1,068 |
| Noncurrent loans to loans | 0.9768% | 1,638 |
| Net loans and leases to total assets | 73.7216% | 1,868 |
| Net loans and leases to deposits | 93.4058% | 1,278 |
| Net loans and leases to core deposits | 100.7951% | 1,599 |
| Total domestic deposits to total assets | 78.9261% | 4,198 |
| Equity capital to assets | 14.4971% | 978 |
| Core capital (leverage) ratio | 13.1701% | 1,272 |
| Tier 1 risk-based capital ratio | 17.8771% | 1,855 |
| Total risk-based capital ratio | 18.9961% | 1,841 |
| Memoranda: | ||
| Average total assets | $4,285,652,250 | 253 |
| Average earning assets | $3,904,877,250 | 254 |
| Average equity | $609,111,500 | 223 |
| Average total loans | $3,206,120,500 | 244 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 2,230 |
| Cost of funding earning assets | 0.9972% | 1,704 |
| Net interest margin | 3.7517% | 2,747 |
| Noninterest income to average assets | 0.8718% | 1,147 |
| Noninterest expense to average assets | 2.5651% | 3,290 |
| Loan and lease loss provision to assets | 0.0820% | 2,200 |
| Net operating income to assets | 1.3661% | 1,524 |
| Return on assets (ROA) | 1.3876% | 1,523 |
| Pretax return on assets | 1.6690% | 1,338 |
| Return on Equity (ROE) | 9.8294% | 2,473 |
| Retained earnings to average equity (ytd only) | 5.3561% | 2,593 |
| Net charge-offs to loans | 0.1663% | 965 |
| Credit loss provision to net charge-offs | 65.8280% | 2,358 |
| Earnings coverage of net charge-offs (x) | 13.8479% | 2,072 |
| Efficiency ratio | 59.7904% | 3,758 |
| Assets per employee ($millions) | 4.5801% | 3,026 |
| Cash dividends to net income (ytd only)* | 45.5097% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,099 |
| Loan loss allowance to noncurrent loans | 145.9588% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0679% | 1,278 |
| Noncurrent loans to loans | 0.7509% | 2,109 |
| Net loans and leases to total assets | 72.5092% | 2,148 |
| Net loans and leases to deposits | 91.4496% | 1,566 |
| Net loans and leases to core deposits | 98.5124% | 1,847 |
| Total domestic deposits to total assets | 79.2887% | 4,163 |
| Equity capital to assets | 14.1472% | 1,072 |
| Core capital (leverage) ratio | 12.9353% | 1,328 |
| Tier 1 risk-based capital ratio | 17.7170% | 1,875 |
| Total risk-based capital ratio | 18.8469% | 1,866 |
| Memoranda: | ||
| Average total assets | $4,275,493,670 | 255 |
| Average earning assets | $3,895,649,000 | 256 |
| Average equity | $603,577,330 | 224 |
| Average total loans | $3,202,584,670 | 245 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 2,067 |
| Cost of funding earning assets | 0.9607% | 1,746 |
| Net interest margin | 3.7824% | 2,595 |
| Noninterest income to average assets | 0.8787% | 1,086 |
| Noninterest expense to average assets | 2.5368% | 3,399 |
| Loan and lease loss provision to assets | 0.0179% | 3,208 |
| Net operating income to assets | 1.4021% | 1,369 |
| Return on assets (ROA) | 1.4286% | 1,325 |
| Pretax return on assets | 1.8058% | 972 |
| Return on Equity (ROE) | 10.1309% | 2,310 |
| Retained earnings to average equity (ytd only) | 5.4428% | 2,715 |
| Net charge-offs to loans | 0.1364% | 927 |
| Credit loss provision to net charge-offs | 17.3675% | 2,151 |
| Earnings coverage of net charge-offs (x) | 17.3263% | 1,662 |
| Efficiency ratio | 58.6280% | 4,000 |
| Assets per employee ($millions) | 4.5603% | 3,104 |
| Cash dividends to net income (ytd only)* | 46.2749% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,173 |
| Loan loss allowance to noncurrent loans | 137.8436% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 1,150 |
| Noncurrent loans to loans | 0.7927% | 2,054 |
| Net loans and leases to total assets | 73.8333% | 1,835 |
| Net loans and leases to deposits | 93.2212% | 1,256 |
| Net loans and leases to core deposits | 100.3780% | 1,589 |
| Total domestic deposits to total assets | 79.2023% | 4,319 |
| Equity capital to assets | 14.0623% | 1,014 |
| Core capital (leverage) ratio | 13.0406% | 1,256 |
| Tier 1 risk-based capital ratio | 17.5251% | 1,932 |
| Total risk-based capital ratio | 18.6599% | 1,920 |
| Memoranda: | ||
| Average total assets | $4,235,395,000 | 259 |
| Average earning assets | $3,861,235,500 | 258 |
| Average equity | $597,262,000 | 227 |
| Average total loans | $3,207,240,000 | 246 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,424 |
| Cost of funding earning assets | 0.7140% | 2,000 |
| Net interest margin | 3.7988% | 2,659 |
| Noninterest income to average assets | 0.9752% | 995 |
| Noninterest expense to average assets | 2.6276% | 3,250 |
| Loan and lease loss provision to assets | 0.1482% | 1,436 |
| Net operating income to assets | 1.3923% | 1,454 |
| Return on assets (ROA) | 1.3906% | 1,459 |
| Pretax return on assets | 1.6589% | 1,280 |
| Return on Equity (ROE) | 10.1086% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.1331% | 2,127 |
| Net charge-offs to loans | 0.2028% | 944 |
| Credit loss provision to net charge-offs | 96.2090% | 2,624 |
| Earnings coverage of net charge-offs (x) | 11.7415% | 2,604 |
| Efficiency ratio | 59.2221% | 3,983 |
| Assets per employee ($millions) | 4.4749% | 3,207 |
| Cash dividends to net income (ytd only)* | 39.3279% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 2,988 |
| Loan loss allowance to noncurrent loans | 162.7374% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1805% | 1,109 |
| Noncurrent loans to loans | 0.6871% | 2,271 |
| Net loans and leases to total assets | 75.9700% | 1,620 |
| Net loans and leases to deposits | 95.6248% | 1,107 |
| Net loans and leases to core deposits | 103.3499% | 1,471 |
| Total domestic deposits to total assets | 79.4459% | 4,225 |
| Equity capital to assets | 14.1421% | 925 |
| Core capital (leverage) ratio | 12.9439% | 1,271 |
| Tier 1 risk-based capital ratio | 17.3300% | 1,944 |
| Total risk-based capital ratio | 18.4970% | 1,928 |
| Memoranda: | ||
| Average total assets | $4,159,936,600 | 255 |
| Average earning assets | $3,790,725,600 | 256 |
| Average equity | $572,254,200 | 222 |
| Average total loans | $3,160,702,000 | 247 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 2,522 |
| Cost of funding earning assets | 0.6583% | 2,101 |
| Net interest margin | 3.7752% | 2,732 |
| Noninterest income to average assets | 0.9993% | 958 |
| Noninterest expense to average assets | 2.6627% | 3,090 |
| Loan and lease loss provision to assets | 0.1418% | 1,409 |
| Net operating income to assets | 1.3679% | 1,596 |
| Return on assets (ROA) | 1.3601% | 1,625 |
| Pretax return on assets | 1.6263% | 1,498 |
| Return on Equity (ROE) | 9.9577% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,648 |
| Net charge-offs to loans | 0.2024% | 839 |
| Credit loss provision to net charge-offs | 92.4655% | 2,395 |
| Earnings coverage of net charge-offs (x) | 11.5919% | 2,502 |
| Efficiency ratio | 59.9711% | 3,817 |
| Assets per employee ($millions) | 4.4398% | 3,214 |
| Cash dividends to net income (ytd only)* | 39.5192% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 3,047 |
| Loan loss allowance to noncurrent loans | 170.1336% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 1,138 |
| Noncurrent loans to loans | 0.6618% | 2,423 |
| Net loans and leases to total assets | 75.7160% | 1,704 |
| Net loans and leases to deposits | 95.6062% | 1,199 |
| Net loans and leases to core deposits | 103.7157% | 1,474 |
| Total domestic deposits to total assets | 79.1957% | 4,279 |
| Equity capital to assets | 13.9132% | 984 |
| Core capital (leverage) ratio | 12.8048% | 1,363 |
| Tier 1 risk-based capital ratio | 17.1538% | 2,042 |
| Total risk-based capital ratio | 18.3257% | 2,018 |
| Memoranda: | ||
| Average total assets | $4,155,037,000 | 251 |
| Average earning assets | $3,786,843,500 | 253 |
| Average equity | $567,549,250 | 222 |
| Average total loans | $3,148,102,750 | 244 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,588 |
| Cost of funding earning assets | 0.6239% | 2,084 |
| Net interest margin | 3.7249% | 2,842 |
| Noninterest income to average assets | 1.0262% | 916 |
| Noninterest expense to average assets | 2.7425% | 2,871 |
| Loan and lease loss provision to assets | 0.1383% | 1,412 |
| Net operating income to assets | 1.2873% | 1,831 |
| Return on assets (ROA) | 1.2759% | 1,880 |
| Pretax return on assets | 1.5285% | 1,715 |
| Return on Equity (ROE) | 9.3990% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.4111% | 2,868 |
| Net charge-offs to loans | 0.2075% | 763 |
| Credit loss provision to net charge-offs | 88.3257% | 2,177 |
| Earnings coverage of net charge-offs (x) | 10.7300% | 2,315 |
| Efficiency ratio | 62.0035% | 3,623 |
| Assets per employee ($millions) | 4.4446% | 3,216 |
| Cash dividends to net income (ytd only)* | 42.4288% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 3,106 |
| Loan loss allowance to noncurrent loans | 162.5881% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 1,137 |
| Noncurrent loans to loans | 0.6940% | 2,372 |
| Net loans and leases to total assets | 74.9424% | 1,799 |
| Net loans and leases to deposits | 94.3184% | 1,321 |
| Net loans and leases to core deposits | 103.9066% | 1,406 |
| Total domestic deposits to total assets | 79.4569% | 4,356 |
| Equity capital to assets | 13.6080% | 1,063 |
| Core capital (leverage) ratio | 12.5378% | 1,419 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,141 |
| Total risk-based capital ratio | 18.0410% | 2,114 |
| Memoranda: | ||
| Average total assets | $4,156,314,670 | 251 |
| Average earning assets | $3,790,245,330 | 251 |
| Average equity | $564,210,000 | 219 |
| Average total loans | $3,137,831,330 | 242 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,584 |
| Cost of funding earning assets | 0.5831% | 2,149 |
| Net interest margin | 3.7006% | 2,795 |
| Noninterest income to average assets | 1.0233% | 874 |
| Noninterest expense to average assets | 2.5727% | 3,420 |
| Loan and lease loss provision to assets | 0.0913% | 1,983 |
| Net operating income to assets | 1.5035% | 1,071 |
| Return on assets (ROA) | 1.4793% | 1,126 |
| Pretax return on assets | 1.7083% | 1,096 |
| Return on Equity (ROE) | 10.9110% | 2,008 |
| Retained earnings to average equity (ytd only) | 6.4606% | 2,521 |
| Net charge-offs to loans | 0.2445% | 627 |
| Credit loss provision to net charge-offs | 49.5807% | 1,955 |
| Earnings coverage of net charge-offs (x) | 9.9209% | 1,934 |
| Efficiency ratio | 58.4690% | 4,285 |
| Assets per employee ($millions) | 4.4489% | 3,246 |
| Cash dividends to net income (ytd only)* | 40.7884% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,218 |
| Loan loss allowance to noncurrent loans | 135.6031% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3888% | 1,051 |
| Noncurrent loans to loans | 0.8319% | 2,158 |
| Net loans and leases to total assets | 73.9069% | 1,867 |
| Net loans and leases to deposits | 92.5316% | 1,383 |
| Net loans and leases to core deposits | 101.9648% | 1,532 |
| Total domestic deposits to total assets | 79.8720% | 4,439 |
| Equity capital to assets | 13.5234% | 1,041 |
| Core capital (leverage) ratio | 12.5573% | 1,365 |
| Tier 1 risk-based capital ratio | 16.8070% | 2,176 |
| Total risk-based capital ratio | 17.9726% | 2,148 |
| Memoranda: | ||
| Average total assets | $4,143,290,000 | 250 |
| Average earning assets | $3,780,777,500 | 250 |
| Average equity | $561,746,000 | 223 |
| Average total loans | $3,121,679,500 | 241 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 2,678 |
| Cost of funding earning assets | 0.4497% | 2,779 |
| Net interest margin | 3.7536% | 2,585 |
| Noninterest income to average assets | 0.8972% | 1,278 |
| Noninterest expense to average assets | 2.4974% | 3,793 |
| Loan and lease loss provision to assets | 0.1861% | 1,142 |
| Net operating income to assets | 1.2379% | 1,401 |
| Return on assets (ROA) | 1.2391% | 1,412 |
| Pretax return on assets | 1.6473% | 1,167 |
| Return on Equity (ROE) | 9.1995% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.2040% | 2,001 |
| Net charge-offs to loans | 0.2396% | 1,083 |
| Credit loss provision to net charge-offs | 102.9851% | 2,484 |
| Earnings coverage of net charge-offs (x) | 10.1367% | 2,712 |
| Efficiency ratio | 57.6126% | 4,574 |
| Assets per employee ($millions) | 4.3668% | 3,382 |
| Cash dividends to net income (ytd only)* | 43.4322% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,016 |
| Loan loss allowance to noncurrent loans | 127.7646% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 945 |
| Noncurrent loans to loans | 0.9057% | 1,967 |
| Net loans and leases to total assets | 75.0657% | 1,740 |
| Net loans and leases to deposits | 94.2490% | 1,245 |
| Net loans and leases to core deposits | 103.7741% | 1,427 |
| Total domestic deposits to total assets | 79.6461% | 4,406 |
| Equity capital to assets | 13.5930% | 1,024 |
| Core capital (leverage) ratio | 12.3462% | 1,427 |
| Tier 1 risk-based capital ratio | 16.4590% | 2,283 |
| Total risk-based capital ratio | 17.6537% | 2,233 |
| Memoranda: | ||
| Average total assets | $4,041,441,000 | 250 |
| Average earning assets | $3,695,159,400 | 247 |
| Average equity | $544,355,600 | 217 |
| Average total loans | $3,048,608,800 | 239 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 2,760 |
| Cost of funding earning assets | 0.4165% | 3,024 |
| Net interest margin | 3.7430% | 2,599 |
| Noninterest income to average assets | 0.8892% | 1,304 |
| Noninterest expense to average assets | 2.5085% | 3,702 |
| Loan and lease loss provision to assets | 0.1544% | 1,342 |
| Net operating income to assets | 1.1632% | 1,830 |
| Return on assets (ROA) | 1.1644% | 1,872 |
| Pretax return on assets | 1.6496% | 1,247 |
| Return on Equity (ROE) | 8.6648% | 2,780 |
| Retained earnings to average equity (ytd only) | 4.4725% | 3,241 |
| Net charge-offs to loans | 0.1849% | 1,137 |
| Credit loss provision to net charge-offs | 110.9022% | 2,133 |
| Earnings coverage of net charge-offs (x) | 12.9462% | 2,386 |
| Efficiency ratio | 58.0994% | 4,488 |
| Assets per employee ($millions) | 4.3448% | 3,399 |
| Cash dividends to net income (ytd only)* | 48.3834% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,098 |
| Loan loss allowance to noncurrent loans | 121.2225% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 1,007 |
| Noncurrent loans to loans | 0.9637% | 1,999 |
| Net loans and leases to total assets | 74.8234% | 1,786 |
| Net loans and leases to deposits | 95.7992% | 1,128 |
| Net loans and leases to core deposits | 105.2134% | 1,319 |
| Total domestic deposits to total assets | 78.1044% | 4,708 |
| Equity capital to assets | 13.3899% | 1,208 |
| Core capital (leverage) ratio | 12.2071% | 1,566 |
| Tier 1 risk-based capital ratio | 16.1208% | 2,449 |
| Total risk-based capital ratio | 17.3248% | 2,413 |
| Memoranda: | ||
| Average total assets | $4,023,427,500 | 251 |
| Average earning assets | $3,677,981,000 | 249 |
| Average equity | $540,657,250 | 218 |
| Average total loans | $3,029,767,750 | 240 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 2,804 |
| Cost of funding earning assets | 0.3857% | 3,225 |
| Net interest margin | 3.7219% | 2,576 |
| Noninterest income to average assets | 0.8780% | 1,339 |
| Noninterest expense to average assets | 2.5479% | 3,587 |
| Loan and lease loss provision to assets | 0.2000% | 921 |
| Net operating income to assets | 1.0891% | 2,028 |
| Return on assets (ROA) | 1.0892% | 2,084 |
| Pretax return on assets | 1.5339% | 1,535 |
| Return on Equity (ROE) | 8.0959% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.4425% | 3,663 |
| Net charge-offs to loans | 0.1861% | 1,066 |
| Credit loss provision to net charge-offs | 142.9646% | 1,564 |
| Earnings coverage of net charge-offs (x) | 12.3931% | 2,196 |
| Efficiency ratio | 59.4153% | 4,405 |
| Assets per employee ($millions) | 4.2756% | 3,477 |
| Cash dividends to net income (ytd only)* | 57.4792% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,013 |
| Loan loss allowance to noncurrent loans | 132.5563% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 1,018 |
| Noncurrent loans to loans | 0.9060% | 2,161 |
| Net loans and leases to total assets | 75.2869% | 1,649 |
| Net loans and leases to deposits | 97.9575% | 896 |
| Net loans and leases to core deposits | 104.7580% | 1,309 |
| Total domestic deposits to total assets | 76.8568% | 4,981 |
| Equity capital to assets | 13.3683% | 1,200 |
| Core capital (leverage) ratio | 12.1374% | 1,566 |
| Tier 1 risk-based capital ratio | 16.0182% | 2,499 |
| Total risk-based capital ratio | 17.2610% | 2,441 |
| Memoranda: | ||
| Average total assets | $3,993,058,670 | 255 |
| Average earning assets | $3,651,602,330 | 252 |
| Average equity | $537,231,670 | 221 |
| Average total loans | $3,001,348,330 | 242 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 2,887 |
| Cost of funding earning assets | 0.3619% | 3,388 |
| Net interest margin | 3.6816% | 2,555 |
| Noninterest income to average assets | 0.8911% | 1,272 |
| Noninterest expense to average assets | 2.5567% | 3,634 |
| Loan and lease loss provision to assets | 0.1241% | 1,548 |
| Net operating income to assets | 1.1258% | 1,771 |
| Return on assets (ROA) | 1.1252% | 1,808 |
| Pretax return on assets | 1.5825% | 1,280 |
| Return on Equity (ROE) | 8.3362% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.2212% | 3,339 |
| Net charge-offs to loans | 0.1961% | 882 |
| Credit loss provision to net charge-offs | 84.8171% | 1,726 |
| Earnings coverage of net charge-offs (x) | 11.6680% | 1,875 |
| Efficiency ratio | 59.8631% | 4,469 |
| Assets per employee ($millions) | 4.2497% | 3,589 |
| Cash dividends to net income (ytd only)* | 49.3628% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 3,127 |
| Loan loss allowance to noncurrent loans | 142.3907% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5179% | 1,048 |
| Noncurrent loans to loans | 0.8438% | 2,347 |
| Net loans and leases to total assets | 73.2051% | 1,874 |
| Net loans and leases to deposits | 92.5770% | 1,261 |
| Net loans and leases to core deposits | 99.2542% | 1,562 |
| Total domestic deposits to total assets | 79.0749% | 4,808 |
| Equity capital to assets | 13.4060% | 1,107 |
| Core capital (leverage) ratio | 12.2788% | 1,458 |
| Tier 1 risk-based capital ratio | 16.4545% | 2,377 |
| Total risk-based capital ratio | 17.6935% | 2,326 |
| Memoranda: | ||
| Average total assets | $3,960,794,500 | 256 |
| Average earning assets | $3,628,758,000 | 254 |
| Average equity | $534,632,000 | 220 |
| Average total loans | $2,956,039,500 | 243 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,793 |
| Cost of funding earning assets | 0.3417% | 3,612 |
| Net interest margin | 3.7721% | 2,420 |
| Noninterest income to average assets | 0.9552% | 1,249 |
| Noninterest expense to average assets | 2.5580% | 3,815 |
| Loan and lease loss provision to assets | 0.2026% | 1,132 |
| Net operating income to assets | 1.1684% | 1,613 |
| Return on assets (ROA) | 1.1767% | 1,683 |
| Pretax return on assets | 1.6560% | 1,118 |
| Return on Equity (ROE) | 8.7612% | 2,535 |
| Retained earnings to average equity (ytd only) | 5.3124% | 2,122 |
| Net charge-offs to loans | 0.2756% | 999 |
| Credit loss provision to net charge-offs | 97.9958% | 2,644 |
| Earnings coverage of net charge-offs (x) | 8.9341% | 2,816 |
| Efficiency ratio | 57.9785% | 4,858 |
| Assets per employee ($millions) | 4.1375% | 3,726 |
| Cash dividends to net income (ytd only)* | 39.3649% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,989 |
| Loan loss allowance to noncurrent loans | 130.8082% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 977 |
| Noncurrent loans to loans | 0.9345% | 2,218 |
| Net loans and leases to total assets | 74.2646% | 1,801 |
| Net loans and leases to deposits | 93.8996% | 1,203 |
| Net loans and leases to core deposits | 100.9687% | 1,543 |
| Total domestic deposits to total assets | 79.0893% | 4,773 |
| Equity capital to assets | 13.5926% | 1,013 |
| Core capital (leverage) ratio | 12.1941% | 1,477 |
| Tier 1 risk-based capital ratio | 16.4574% | 2,365 |
| Total risk-based capital ratio | 17.7076% | 2,303 |
| Memoranda: | ||
| Average total assets | $3,885,865,200 | 242 |
| Average earning assets | $3,553,672,400 | 241 |
| Average equity | $521,914,600 | 212 |
| Average total loans | $2,914,642,400 | 233 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 2,846 |
| Cost of funding earning assets | 0.3360% | 3,700 |
| Net interest margin | 3.7720% | 2,445 |
| Noninterest income to average assets | 0.9345% | 1,299 |
| Noninterest expense to average assets | 2.5505% | 3,824 |
| Loan and lease loss provision to assets | 0.2003% | 1,052 |
| Net operating income to assets | 1.1661% | 1,740 |
| Return on assets (ROA) | 1.1772% | 1,817 |
| Pretax return on assets | 1.6479% | 1,254 |
| Return on Equity (ROE) | 8.7913% | 2,608 |
| Retained earnings to average equity (ytd only) | 5.3267% | 2,601 |
| Net charge-offs to loans | 0.2807% | 820 |
| Credit loss provision to net charge-offs | 95.2140% | 2,455 |
| Earnings coverage of net charge-offs (x) | 8.7109% | 2,741 |
| Efficiency ratio | 58.0966% | 4,801 |
| Assets per employee ($millions) | 4.1566% | 3,677 |
| Cash dividends to net income (ytd only)* | 39.4092% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 3,117 |
| Loan loss allowance to noncurrent loans | 126.5232% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.6882% | 1,010 |
| Noncurrent loans to loans | 0.9646% | 2,310 |
| Net loans and leases to total assets | 74.1601% | 1,850 |
| Net loans and leases to deposits | 94.5411% | 1,203 |
| Net loans and leases to core deposits | 101.4319% | 1,523 |
| Total domestic deposits to total assets | 78.4422% | 4,826 |
| Equity capital to assets | 13.5886% | 1,200 |
| Core capital (leverage) ratio | 12.1309% | 1,584 |
| Tier 1 risk-based capital ratio | 16.2578% | 2,522 |
| Total risk-based capital ratio | 17.5102% | 2,473 |
| Memoranda: | ||
| Average total assets | $3,879,852,500 | 241 |
| Average earning assets | $3,547,284,750 | 242 |
| Average equity | $519,528,500 | 213 |
| Average total loans | $2,908,399,250 | 233 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 2,822 |
| Cost of funding earning assets | 0.3305% | 3,794 |
| Net interest margin | 3.7785% | 2,410 |
| Noninterest income to average assets | 0.8905% | 1,402 |
| Noninterest expense to average assets | 2.5550% | 3,879 |
| Loan and lease loss provision to assets | 0.1880% | 1,155 |
| Net operating income to assets | 1.1584% | 1,742 |
| Return on assets (ROA) | 1.1582% | 1,854 |
| Pretax return on assets | 1.6018% | 1,372 |
| Return on Equity (ROE) | 8.6930% | 2,639 |
| Retained earnings to average equity (ytd only) | 4.8149% | 2,859 |
| Net charge-offs to loans | 0.2783% | 860 |
| Credit loss provision to net charge-offs | 90.1611% | 2,239 |
| Earnings coverage of net charge-offs (x) | 8.5856% | 2,505 |
| Efficiency ratio | 58.7095% | 4,811 |
| Assets per employee ($millions) | 4.0892% | 3,755 |
| Cash dividends to net income (ytd only)* | 44.6110% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 3,261 |
| Loan loss allowance to noncurrent loans | 144.6159% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.6120% | 1,143 |
| Noncurrent loans to loans | 0.8416% | 2,642 |
| Net loans and leases to total assets | 74.8208% | 1,682 |
| Net loans and leases to deposits | 94.9242% | 1,200 |
| Net loans and leases to core deposits | 101.0914% | 1,553 |
| Total domestic deposits to total assets | 78.8216% | 4,823 |
| Equity capital to assets | 13.5409% | 1,217 |
| Core capital (leverage) ratio | 12.0074% | 1,621 |
| Tier 1 risk-based capital ratio | 16.0846% | 2,600 |
| Total risk-based capital ratio | 17.3388% | 2,547 |
| Memoranda: | ||
| Average total assets | $3,870,742,000 | 240 |
| Average earning assets | $3,538,836,670 | 241 |
| Average equity | $515,727,330 | 215 |
| Average total loans | $2,900,074,330 | 235 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 2,795 |
| Cost of funding earning assets | 0.3256% | 3,892 |
| Net interest margin | 3.7902% | 2,323 |
| Noninterest income to average assets | 0.8538% | 1,434 |
| Noninterest expense to average assets | 2.4929% | 4,090 |
| Loan and lease loss provision to assets | 0.1824% | 1,100 |
| Net operating income to assets | 1.1754% | 1,630 |
| Return on assets (ROA) | 1.1754% | 1,734 |
| Pretax return on assets | 1.6456% | 1,191 |
| Return on Equity (ROE) | 8.8947% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.2017% | 3,376 |
| Net charge-offs to loans | 0.2122% | 949 |
| Credit loss provision to net charge-offs | 115.3595% | 1,476 |
| Earnings coverage of net charge-offs (x) | 11.5595% | 1,851 |
| Efficiency ratio | 57.5974% | 5,045 |
| Assets per employee ($millions) | 4.1042% | 3,760 |
| Cash dividends to net income (ytd only)* | 52.7612% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 3,142 |
| Loan loss allowance to noncurrent loans | 134.6516% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.7098% | 1,131 |
| Noncurrent loans to loans | 0.9329% | 2,517 |
| Net loans and leases to total assets | 74.0205% | 1,724 |
| Net loans and leases to deposits | 93.7130% | 1,173 |
| Net loans and leases to core deposits | 99.4723% | 1,523 |
| Total domestic deposits to total assets | 78.9863% | 4,969 |
| Equity capital to assets | 13.3726% | 1,232 |
| Core capital (leverage) ratio | 11.8571% | 1,706 |
| Tier 1 risk-based capital ratio | 16.1379% | 2,615 |
| Total risk-based capital ratio | 17.3902% | 2,568 |
| Memoranda: | ||
| Average total assets | $3,869,889,500 | 240 |
| Average earning assets | $3,540,096,500 | 239 |
| Average equity | $511,408,000 | 213 |
| Average total loans | $2,883,565,500 | 233 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 2,663 |
| Cost of funding earning assets | 0.3080% | 4,168 |
| Net interest margin | 3.8622% | 2,153 |
| Noninterest income to average assets | 0.9611% | 1,291 |
| Noninterest expense to average assets | 2.5918% | 3,953 |
| Loan and lease loss provision to assets | 0.2294% | 871 |
| Net operating income to assets | 1.1899% | 1,587 |
| Return on assets (ROA) | 1.1850% | 1,682 |
| Pretax return on assets | 1.6614% | 1,079 |
| Return on Equity (ROE) | 9.0547% | 2,427 |
| Retained earnings to average equity (ytd only) | 5.6095% | 2,013 |
| Net charge-offs to loans | 0.2505% | 1,198 |
| Credit loss provision to net charge-offs | 123.5185% | 2,097 |
| Earnings coverage of net charge-offs (x) | 10.2168% | 2,714 |
| Efficiency ratio | 57.6203% | 5,185 |
| Assets per employee ($millions) | 4.1606% | 3,640 |
| Cash dividends to net income (ytd only)* | 38.0492% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 3,133 |
| Loan loss allowance to noncurrent loans | 126.1631% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7848% | 1,066 |
| Noncurrent loans to loans | 0.9950% | 2,348 |
| Net loans and leases to total assets | 73.1366% | 1,862 |
| Net loans and leases to deposits | 94.8959% | 1,121 |
| Net loans and leases to core deposits | 100.8538% | 1,448 |
| Total domestic deposits to total assets | 77.0703% | 5,302 |
| Equity capital to assets | 13.0585% | 1,321 |
| Core capital (leverage) ratio | 11.8433% | 1,732 |
| Tier 1 risk-based capital ratio | 15.9078% | 2,734 |
| Total risk-based capital ratio | 17.1584% | 2,670 |
| Memoranda: | ||
| Average total assets | $3,770,280,600 | 236 |
| Average earning assets | $3,444,395,800 | 232 |
| Average equity | $493,433,400 | 210 |
| Average total loans | $2,795,295,000 | 224 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,609 |
| Cost of funding earning assets | 0.3044% | 4,283 |
| Net interest margin | 3.8865% | 2,083 |
| Noninterest income to average assets | 0.9600% | 1,289 |
| Noninterest expense to average assets | 2.6333% | 3,762 |
| Loan and lease loss provision to assets | 0.2401% | 734 |
| Net operating income to assets | 1.1858% | 1,694 |
| Return on assets (ROA) | 1.1856% | 1,760 |
| Pretax return on assets | 1.6358% | 1,278 |
| Return on Equity (ROE) | 9.0535% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.3807% | 2,655 |
| Net charge-offs to loans | 0.2713% | 983 |
| Credit loss provision to net charge-offs | 119.3554% | 1,996 |
| Earnings coverage of net charge-offs (x) | 9.3262% | 2,708 |
| Efficiency ratio | 58.2776% | 5,085 |
| Assets per employee ($millions) | 4.0696% | 3,762 |
| Cash dividends to net income (ytd only)* | 40.5686% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 3,316 |
| Loan loss allowance to noncurrent loans | 108.6086% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.7802% | 1,208 |
| Noncurrent loans to loans | 1.1594% | 2,202 |
| Net loans and leases to total assets | 73.6356% | 1,798 |
| Net loans and leases to deposits | 93.3703% | 1,271 |
| Net loans and leases to core deposits | 99.0746% | 1,601 |
| Total domestic deposits to total assets | 78.8641% | 5,008 |
| Equity capital to assets | 13.2480% | 1,333 |
| Core capital (leverage) ratio | 11.8158% | 1,804 |
| Tier 1 risk-based capital ratio | 15.8173% | 2,889 |
| Total risk-based capital ratio | 17.0684% | 2,820 |
| Memoranda: | ||
| Average total assets | $3,742,392,500 | 241 |
| Average earning assets | $3,417,979,750 | 238 |
| Average equity | $490,064,500 | 215 |
| Average total loans | $2,775,335,500 | 226 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,518 |
| Cost of funding earning assets | 0.3026% | 4,370 |
| Net interest margin | 3.9056% | 1,954 |
| Noninterest income to average assets | 0.9496% | 1,302 |
| Noninterest expense to average assets | 2.5983% | 3,912 |
| Loan and lease loss provision to assets | 0.2264% | 833 |
| Net operating income to assets | 1.2023% | 1,596 |
| Return on assets (ROA) | 1.2019% | 1,674 |
| Pretax return on assets | 1.6903% | 1,099 |
| Return on Equity (ROE) | 9.2147% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.8963% | 2,928 |
| Net charge-offs to loans | 0.2520% | 1,030 |
| Credit loss provision to net charge-offs | 121.3690% | 1,790 |
| Earnings coverage of net charge-offs (x) | 10.2787% | 2,374 |
| Efficiency ratio | 57.4149% | 5,291 |
| Assets per employee ($millions) | 3.9594% | 3,962 |
| Cash dividends to net income (ytd only)* | 46.8645% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 3,463 |
| Loan loss allowance to noncurrent loans | 105.3561% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.8715% | 1,217 |
| Noncurrent loans to loans | 1.1951% | 2,268 |
| Net loans and leases to total assets | 73.6777% | 1,712 |
| Net loans and leases to deposits | 94.4518% | 1,110 |
| Net loans and leases to core deposits | 100.6488% | 1,432 |
| Total domestic deposits to total assets | 78.0056% | 5,283 |
| Equity capital to assets | 13.1193% | 1,340 |
| Core capital (leverage) ratio | 11.6199% | 1,908 |
| Tier 1 risk-based capital ratio | 15.6473% | 3,028 |
| Total risk-based capital ratio | 16.8978% | 2,980 |
| Memoranda: | ||
| Average total assets | $3,728,283,000 | 243 |
| Average earning assets | $3,403,962,670 | 239 |
| Average equity | $486,285,670 | 218 |
| Average total loans | $2,759,633,000 | 228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,479 |
| Cost of funding earning assets | 0.2987% | 4,454 |
| Net interest margin | 3.8961% | 1,908 |
| Noninterest income to average assets | 0.8773% | 1,468 |
| Noninterest expense to average assets | 2.5507% | 4,100 |
| Loan and lease loss provision to assets | 0.2044% | 892 |
| Net operating income to assets | 1.1683% | 1,637 |
| Return on assets (ROA) | 1.1760% | 1,721 |
| Pretax return on assets | 1.6921% | 1,070 |
| Return on Equity (ROE) | 9.0430% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.4950% | 3,326 |
| Net charge-offs to loans | 0.2541% | 947 |
| Credit loss provision to net charge-offs | 109.1274% | 1,521 |
| Earnings coverage of net charge-offs (x) | 10.0654% | 1,959 |
| Efficiency ratio | 57.3679% | 5,405 |
| Assets per employee ($millions) | 3.9157% | 4,130 |
| Cash dividends to net income (ytd only)* | 50.2926% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,637 |
| Loan loss allowance to noncurrent loans | 98.6994% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 1,207 |
| Noncurrent loans to loans | 1.2759% | 2,244 |
| Net loans and leases to total assets | 72.5594% | 1,722 |
| Net loans and leases to deposits | 91.8751% | 1,201 |
| Net loans and leases to core deposits | 98.0117% | 1,473 |
| Total domestic deposits to total assets | 78.9762% | 5,268 |
| Equity capital to assets | 13.0543% | 1,370 |
| Core capital (leverage) ratio | 11.5698% | 1,947 |
| Tier 1 risk-based capital ratio | 15.3440% | 3,233 |
| Total risk-based capital ratio | 16.5961% | 3,161 |
| Memoranda: | ||
| Average total assets | $3,719,650,000 | 241 |
| Average earning assets | $3,397,729,000 | 239 |
| Average equity | $483,733,000 | 216 |
| Average total loans | $2,742,037,500 | 226 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,492 |
| Cost of funding earning assets | 0.3220% | 4,563 |
| Net interest margin | 4.0093% | 1,873 |
| Noninterest income to average assets | 0.9571% | 1,330 |
| Noninterest expense to average assets | 2.6971% | 3,870 |
| Loan and lease loss provision to assets | 0.2407% | 981 |
| Net operating income to assets | 1.1528% | 1,762 |
| Return on assets (ROA) | 1.1491% | 1,840 |
| Pretax return on assets | 1.6667% | 1,054 |
| Return on Equity (ROE) | 8.9906% | 2,588 |
| Retained earnings to average equity (ytd only) | 4.7951% | 2,764 |
| Net charge-offs to loans | 0.3136% | 1,403 |
| Credit loss provision to net charge-offs | 105.2790% | 2,276 |
| Earnings coverage of net charge-offs (x) | 8.3648% | 2,890 |
| Efficiency ratio | 58.3793% | 5,422 |
| Assets per employee ($millions) | 3.8379% | 4,271 |
| Cash dividends to net income (ytd only)* | 46.6652% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 3,674 |
| Loan loss allowance to noncurrent loans | 88.4254% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 2.0469% | 1,229 |
| Noncurrent loans to loans | 1.4238% | 2,067 |
| Net loans and leases to total assets | 73.0218% | 1,752 |
| Net loans and leases to deposits | 93.7307% | 1,105 |
| Net loans and leases to core deposits | 99.6694% | 1,414 |
| Total domestic deposits to total assets | 77.9060% | 5,454 |
| Equity capital to assets | 12.9548% | 1,397 |
| Core capital (leverage) ratio | 11.4691% | 1,992 |
| Tier 1 risk-based capital ratio | 15.6940% | 3,128 |
| Total risk-based capital ratio | 16.9447% | 3,060 |
| Memoranda: | ||
| Average total assets | $3,636,606,400 | 232 |
| Average earning assets | $3,313,239,600 | 229 |
| Average equity | $464,786,400 | 213 |
| Average total loans | $2,651,432,800 | 218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,471 |
| Cost of funding earning assets | 0.3253% | 4,613 |
| Net interest margin | 4.0108% | 1,847 |
| Noninterest income to average assets | 0.9404% | 1,393 |
| Noninterest expense to average assets | 2.6569% | 3,989 |
| Loan and lease loss provision to assets | 0.1981% | 1,207 |
| Net operating income to assets | 1.1903% | 1,705 |
| Return on assets (ROA) | 1.1866% | 1,798 |
| Pretax return on assets | 1.7312% | 1,016 |
| Return on Equity (ROE) | 9.3169% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.9801% | 3,092 |
| Net charge-offs to loans | 0.2686% | 1,460 |
| Credit loss provision to net charge-offs | 101.5478% | 2,176 |
| Earnings coverage of net charge-offs (x) | 9.9168% | 2,606 |
| Efficiency ratio | 57.7367% | 5,479 |
| Assets per employee ($millions) | 3.7786% | 4,334 |
| Cash dividends to net income (ytd only)* | 46.5477% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,813 |
| Loan loss allowance to noncurrent loans | 70.2047% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.2298% | 1,232 |
| Noncurrent loans to loans | 1.8090% | 1,783 |
| Net loans and leases to total assets | 72.6808% | 1,731 |
| Net loans and leases to deposits | 91.0871% | 1,314 |
| Net loans and leases to core deposits | 96.8889% | 1,601 |
| Total domestic deposits to total assets | 79.7927% | 5,146 |
| Equity capital to assets | 12.9311% | 1,464 |
| Core capital (leverage) ratio | 11.4354% | 2,117 |
| Tier 1 risk-based capital ratio | 15.8059% | 3,157 |
| Total risk-based capital ratio | 17.0567% | 3,101 |
| Memoranda: | ||
| Average total assets | $3,620,815,250 | 231 |
| Average earning assets | $3,296,182,000 | 226 |
| Average equity | $461,158,500 | 212 |
| Average total loans | $2,630,269,000 | 218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 2,424 |
| Cost of funding earning assets | 0.3259% | 4,690 |
| Net interest margin | 4.0153% | 1,770 |
| Noninterest income to average assets | 0.8936% | 1,517 |
| Noninterest expense to average assets | 2.6639% | 4,001 |
| Loan and lease loss provision to assets | 0.1152% | 2,113 |
| Net operating income to assets | 1.2103% | 1,558 |
| Return on assets (ROA) | 1.2062% | 1,633 |
| Pretax return on assets | 1.7611% | 914 |
| Return on Equity (ROE) | 9.5192% | 2,370 |
| Retained earnings to average equity (ytd only) | 5.1496% | 2,862 |
| Net charge-offs to loans | 0.1892% | 1,894 |
| Credit loss provision to net charge-offs | 84.1764% | 2,276 |
| Earnings coverage of net charge-offs (x) | 13.7588% | 1,953 |
| Efficiency ratio | 58.4653% | 5,495 |
| Assets per employee ($millions) | 3.7429% | 4,364 |
| Cash dividends to net income (ytd only)* | 45.9031% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 3,987 |
| Loan loss allowance to noncurrent loans | 75.4895% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.1372% | 1,445 |
| Noncurrent loans to loans | 1.6910% | 2,055 |
| Net loans and leases to total assets | 71.6106% | 1,810 |
| Net loans and leases to deposits | 89.7868% | 1,391 |
| Net loans and leases to core deposits | 95.7896% | 1,621 |
| Total domestic deposits to total assets | 79.7562% | 5,296 |
| Equity capital to assets | 12.8898% | 1,428 |
| Core capital (leverage) ratio | 11.3172% | 2,146 |
| Tier 1 risk-based capital ratio | 15.9122% | 3,143 |
| Total risk-based capital ratio | 17.1631% | 3,074 |
| Memoranda: | ||
| Average total assets | $3,612,311,000 | 230 |
| Average earning assets | $3,285,994,000 | 225 |
| Average equity | $457,708,000 | 213 |
| Average total loans | $2,612,268,000 | 214 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,345 |
| Cost of funding earning assets | 0.3248% | 4,794 |
| Net interest margin | 4.0222% | 1,675 |
| Noninterest income to average assets | 0.8541% | 1,541 |
| Noninterest expense to average assets | 2.7496% | 3,753 |
| Loan and lease loss provision to assets | 0.1493% | 1,626 |
| Net operating income to assets | 1.1118% | 1,770 |
| Return on assets (ROA) | 1.1071% | 1,843 |
| Pretax return on assets | 1.6058% | 1,158 |
| Return on Equity (ROE) | 8.8145% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.3953% | 3,490 |
| Net charge-offs to loans | 0.2672% | 1,274 |
| Credit loss provision to net charge-offs | 77.3878% | 1,928 |
| Earnings coverage of net charge-offs (x) | 9.1318% | 1,962 |
| Efficiency ratio | 60.8160% | 5,291 |
| Assets per employee ($millions) | 3.7326% | 4,462 |
| Cash dividends to net income (ytd only)* | 50.1354% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,128 |
| Loan loss allowance to noncurrent loans | 79.2246% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 1,542 |
| Noncurrent loans to loans | 1.6400% | 2,374 |
| Net loans and leases to total assets | 70.0221% | 1,882 |
| Net loans and leases to deposits | 87.1105% | 1,455 |
| Net loans and leases to core deposits | 92.8118% | 1,656 |
| Total domestic deposits to total assets | 80.3831% | 5,407 |
| Equity capital to assets | 12.5315% | 1,557 |
| Core capital (leverage) ratio | 11.1783% | 2,241 |
| Tier 1 risk-based capital ratio | 15.8362% | 3,253 |
| Total risk-based capital ratio | 17.0874% | 3,217 |
| Memoranda: | ||
| Average total assets | $3,603,171,000 | 229 |
| Average earning assets | $3,276,337,500 | 224 |
| Average equity | $452,574,000 | 216 |
| Average total loans | $2,601,650,000 | 213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 2,141 |
| Cost of funding earning assets | 0.3753% | 4,889 |
| Net interest margin | 4.1412% | 1,536 |
| Noninterest income to average assets | 1.0940% | 1,173 |
| Noninterest expense to average assets | 2.8438% | 3,554 |
| Loan and lease loss provision to assets | 0.2371% | 1,526 |
| Net operating income to assets | 1.2157% | 1,505 |
| Return on assets (ROA) | 1.2149% | 1,583 |
| Pretax return on assets | 1.7626% | 827 |
| Return on Equity (ROE) | 9.9334% | 2,145 |
| Retained earnings to average equity (ytd only) | 6.9918% | 1,437 |
| Net charge-offs to loans | 0.3011% | 2,184 |
| Credit loss provision to net charge-offs | 109.7758% | 2,191 |
| Earnings coverage of net charge-offs (x) | 9.2638% | 2,528 |
| Efficiency ratio | 58.5778% | 5,666 |
| Assets per employee ($millions) | 3.6509% | 4,586 |
| Cash dividends to net income (ytd only)* | 29.6128% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,146 |
| Loan loss allowance to noncurrent loans | 78.0770% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.3245% | 1,505 |
| Noncurrent loans to loans | 1.6649% | 2,411 |
| Net loans and leases to total assets | 72.5405% | 1,590 |
| Net loans and leases to deposits | 90.2530% | 1,218 |
| Net loans and leases to core deposits | 96.4818% | 1,416 |
| Total domestic deposits to total assets | 80.3746% | 5,355 |
| Equity capital to assets | 12.5900% | 1,468 |
| Core capital (leverage) ratio | 11.0260% | 2,365 |
| Tier 1 risk-based capital ratio | 15.4497% | 3,407 |
| Total risk-based capital ratio | 16.7009% | 3,352 |
| Memoranda: | ||
| Average total assets | $3,613,588,200 | 219 |
| Average earning assets | $3,272,810,600 | 217 |
| Average equity | $441,943,600 | 214 |
| Average total loans | $2,591,785,800 | 201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 2,241 |
| Cost of funding earning assets | 0.3836% | 4,961 |
| Net interest margin | 4.1134% | 1,593 |
| Noninterest income to average assets | 1.1051% | 1,199 |
| Noninterest expense to average assets | 2.6585% | 4,165 |
| Loan and lease loss provision to assets | 0.2701% | 1,304 |
| Net operating income to assets | 1.3064% | 1,340 |
| Return on assets (ROA) | 1.3056% | 1,397 |
| Pretax return on assets | 1.9007% | 706 |
| Return on Equity (ROE) | 10.7532% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.2716% | 1,755 |
| Net charge-offs to loans | 0.3393% | 1,852 |
| Credit loss provision to net charge-offs | 111.6700% | 2,114 |
| Earnings coverage of net charge-offs (x) | 8.9781% | 2,549 |
| Efficiency ratio | 54.9149% | 6,024 |
| Assets per employee ($millions) | 3.6993% | 4,450 |
| Cash dividends to net income (ytd only)* | 32.3779% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,396 |
| Loan loss allowance to noncurrent loans | 80.4775% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 1,665 |
| Noncurrent loans to loans | 1.6149% | 2,753 |
| Net loans and leases to total assets | 71.3242% | 1,724 |
| Net loans and leases to deposits | 89.5636% | 1,213 |
| Net loans and leases to core deposits | 95.8361% | 1,407 |
| Total domestic deposits to total assets | 79.6353% | 5,597 |
| Equity capital to assets | 12.3058% | 1,707 |
| Core capital (leverage) ratio | 10.8488% | 2,621 |
| Tier 1 risk-based capital ratio | 15.0669% | 3,709 |
| Total risk-based capital ratio | 16.3179% | 3,660 |
| Memoranda: | ||
| Average total assets | $3,627,077,500 | 217 |
| Average earning assets | $3,284,926,000 | 213 |
| Average equity | $440,389,750 | 211 |
| Average total loans | $2,585,686,750 | 197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 2,330 |
| Cost of funding earning assets | 0.3914% | 5,022 |
| Net interest margin | 4.0746% | 1,617 |
| Noninterest income to average assets | 1.1263% | 1,200 |
| Noninterest expense to average assets | 2.6842% | 4,088 |
| Loan and lease loss provision to assets | 0.2877% | 1,265 |
| Net operating income to assets | 1.2752% | 1,385 |
| Return on assets (ROA) | 1.2750% | 1,481 |
| Pretax return on assets | 1.8460% | 830 |
| Return on Equity (ROE) | 10.5484% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.2167% | 2,314 |
| Net charge-offs to loans | 0.3778% | 1,698 |
| Credit loss provision to net charge-offs | 107.3191% | 2,066 |
| Earnings coverage of net charge-offs (x) | 7.9605% | 2,473 |
| Efficiency ratio | 55.5872% | 6,011 |
| Assets per employee ($millions) | 3.6172% | 4,581 |
| Cash dividends to net income (ytd only)* | 41.0651% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,518 |
| Loan loss allowance to noncurrent loans | 80.8221% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.3556% | 1,822 |
| Noncurrent loans to loans | 1.6065% | 2,898 |
| Net loans and leases to total assets | 70.6120% | 1,785 |
| Net loans and leases to deposits | 87.0835% | 1,454 |
| Net loans and leases to core deposits | 93.3732% | 1,580 |
| Total domestic deposits to total assets | 81.0855% | 5,322 |
| Equity capital to assets | 12.0503% | 1,882 |
| Core capital (leverage) ratio | 10.5237% | 2,853 |
| Tier 1 risk-based capital ratio | 14.8124% | 3,901 |
| Total risk-based capital ratio | 16.0634% | 3,867 |
| Memoranda: | ||
| Average total assets | $3,628,883,330 | 216 |
| Average earning assets | $3,288,021,330 | 212 |
| Average equity | $438,627,670 | 212 |
| Average total loans | $2,575,204,670 | 197 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 2,313 |
| Cost of funding earning assets | 0.3996% | 5,103 |
| Net interest margin | 4.0610% | 1,586 |
| Noninterest income to average assets | 1.0614% | 1,324 |
| Noninterest expense to average assets | 2.7035% | 4,042 |
| Loan and lease loss provision to assets | 0.1716% | 2,144 |
| Net operating income to assets | 1.2700% | 1,354 |
| Return on assets (ROA) | 1.2700% | 1,456 |
| Pretax return on assets | 1.8644% | 783 |
| Return on Equity (ROE) | 10.4909% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.9455% | 2,707 |
| Net charge-offs to loans | 0.2197% | 2,111 |
| Credit loss provision to net charge-offs | 110.4890% | 1,688 |
| Earnings coverage of net charge-offs (x) | 13.1113% | 1,549 |
| Efficiency ratio | 56.9196% | 5,975 |
| Assets per employee ($millions) | 3.7117% | 4,529 |
| Cash dividends to net income (ytd only)* | 43.3276% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,686 |
| Loan loss allowance to noncurrent loans | 98.5917% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1792% | 2,144 |
| Noncurrent loans to loans | 1.3206% | 3,581 |
| Net loans and leases to total assets | 69.3088% | 1,781 |
| Net loans and leases to deposits | 85.9539% | 1,359 |
| Net loans and leases to core deposits | 92.2896% | 1,479 |
| Total domestic deposits to total assets | 80.6349% | 5,587 |
| Equity capital to assets | 12.1138% | 1,962 |
| Core capital (leverage) ratio | 10.3822% | 2,929 |
| Tier 1 risk-based capital ratio | 14.6277% | 4,085 |
| Total risk-based capital ratio | 15.8845% | 4,042 |
| Memoranda: | ||
| Average total assets | $3,634,716,000 | 221 |
| Average earning assets | $3,291,894,500 | 214 |
| Average equity | $439,999,500 | 215 |
| Average total loans | $2,568,911,000 | 201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 2,588 |
| Cost of funding earning assets | 0.5878% | 4,467 |
| Net interest margin | 4.1136% | 1,947 |
| Noninterest income to average assets | 1.0103% | 1,505 |
| Noninterest expense to average assets | 2.6762% | 4,491 |
| Loan and lease loss provision to assets | 0.2612% | 2,554 |
| Net operating income to assets | 1.2223% | 1,526 |
| Return on assets (ROA) | 1.2440% | 1,625 |
| Pretax return on assets | 1.8169% | 889 |
| Return on Equity (ROE) | 10.6320% | 1,925 |
| Retained earnings to average equity (ytd only) | 6.7339% | 1,700 |
| Net charge-offs to loans | 0.3670% | 2,796 |
| Credit loss provision to net charge-offs | 100.7892% | 3,007 |
| Earnings coverage of net charge-offs (x) | 7.8943% | 2,511 |
| Efficiency ratio | 56.5469% | 6,001 |
| Assets per employee ($millions) | 3.6537% | 4,669 |
| Cash dividends to net income (ytd only)* | 36.6642% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 4,673 |
| Loan loss allowance to noncurrent loans | 92.3318% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 2.3097% | 2,129 |
| Noncurrent loans to loans | 1.3993% | 3,505 |
| Net loans and leases to total assets | 70.2164% | 1,806 |
| Net loans and leases to deposits | 87.0884% | 1,377 |
| Net loans and leases to core deposits | 93.6076% | 1,501 |
| Total domestic deposits to total assets | 80.6266% | 5,502 |
| Equity capital to assets | 12.0970% | 1,985 |
| Core capital (leverage) ratio | 10.2085% | 3,126 |
| Tier 1 risk-based capital ratio | 14.5773% | 3,975 |
| Total risk-based capital ratio | 15.8398% | 3,924 |
| Memoranda: | ||
| Average total assets | $3,617,486,600 | 220 |
| Average earning assets | $3,264,286,000 | 213 |
| Average equity | $423,279,400 | 222 |
| Average total loans | $2,554,947,400 | 194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 2,730 |
| Cost of funding earning assets | 0.6195% | 4,455 |
| Net interest margin | 4.0980% | 2,098 |
| Noninterest income to average assets | 0.9965% | 1,508 |
| Noninterest expense to average assets | 2.6115% | 4,698 |
| Loan and lease loss provision to assets | 0.2397% | 2,655 |
| Net operating income to assets | 1.2509% | 1,575 |
| Return on assets (ROA) | 1.2714% | 1,663 |
| Pretax return on assets | 1.8713% | 921 |
| Return on Equity (ROE) | 10.9588% | 1,973 |
| Retained earnings to average equity (ytd only) | 7.1467% | 2,035 |
| Net charge-offs to loans | 0.3391% | 2,760 |
| Credit loss provision to net charge-offs | 100.2775% | 2,950 |
| Earnings coverage of net charge-offs (x) | 8.7046% | 2,410 |
| Efficiency ratio | 55.5292% | 6,103 |
| Assets per employee ($millions) | 3.6706% | 4,607 |
| Cash dividends to net income (ytd only)* | 34.7856% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,816 |
| Loan loss allowance to noncurrent loans | 97.5401% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 2.4878% | 2,130 |
| Noncurrent loans to loans | 1.3331% | 3,805 |
| Net loans and leases to total assets | 69.5332% | 2,005 |
| Net loans and leases to deposits | 86.1903% | 1,583 |
| Net loans and leases to core deposits | 92.6143% | 1,717 |
| Total domestic deposits to total assets | 80.6741% | 5,462 |
| Equity capital to assets | 11.9628% | 2,293 |
| Core capital (leverage) ratio | 10.0614% | 3,454 |
| Tier 1 risk-based capital ratio | 14.2093% | 4,378 |
| Total risk-based capital ratio | 15.4764% | 4,336 |
| Memoranda: | ||
| Average total assets | $3,617,576,750 | 222 |
| Average earning assets | $3,262,545,750 | 214 |
| Average equity | $419,708,000 | 226 |
| Average total loans | $2,550,419,500 | 198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 2,806 |
| Cost of funding earning assets | 0.6188% | 4,731 |
| Net interest margin | 4.1103% | 2,045 |
| Noninterest income to average assets | 1.0071% | 1,448 |
| Noninterest expense to average assets | 2.5777% | 4,851 |
| Loan and lease loss provision to assets | 0.1983% | 3,099 |
| Net operating income to assets | 1.3231% | 1,381 |
| Return on assets (ROA) | 1.3539% | 1,456 |
| Pretax return on assets | 1.9804% | 717 |
| Return on Equity (ROE) | 11.7920% | 1,728 |
| Retained earnings to average equity (ytd only) | 8.1788% | 1,577 |
| Net charge-offs to loans | 0.2841% | 2,899 |
| Credit loss provision to net charge-offs | 98.9785% | 2,805 |
| Earnings coverage of net charge-offs (x) | 10.6488% | 2,031 |
| Efficiency ratio | 54.5895% | 6,265 |
| Assets per employee ($millions) | 3.6573% | 4,621 |
| Cash dividends to net income (ytd only)* | 30.6410% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,886 |
| Loan loss allowance to noncurrent loans | 93.8348% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5365% | 2,205 |
| Noncurrent loans to loans | 1.3856% | 3,845 |
| Net loans and leases to total assets | 69.5417% | 2,001 |
| Net loans and leases to deposits | 85.2317% | 1,698 |
| Net loans and leases to core deposits | 91.4957% | 1,821 |
| Total domestic deposits to total assets | 81.5914% | 5,270 |
| Equity capital to assets | 11.7702% | 2,349 |
| Core capital (leverage) ratio | 9.9008% | 3,574 |
| Tier 1 risk-based capital ratio | 13.9355% | 4,492 |
| Total risk-based capital ratio | 15.2039% | 4,452 |
| Memoranda: | ||
| Average total assets | $3,615,802,330 | 221 |
| Average earning assets | $3,258,329,330 | 214 |
| Average equity | $415,144,330 | 228 |
| Average total loans | $2,549,790,000 | 197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 2,834 |
| Cost of funding earning assets | 0.5914% | 5,202 |
| Net interest margin | 4.1628% | 1,880 |
| Noninterest income to average assets | 1.0222% | 1,369 |
| Noninterest expense to average assets | 2.6687% | 4,549 |
| Loan and lease loss provision to assets | 0.1283% | 3,739 |
| Net operating income to assets | 1.3500% | 1,321 |
| Return on assets (ROA) | 1.3500% | 1,477 |
| Pretax return on assets | 1.9800% | 763 |
| Return on Equity (ROE) | 11.9078% | 1,697 |
| Retained earnings to average equity (ytd only) | 7.7599% | 2,068 |
| Net charge-offs to loans | 0.1818% | 3,015 |
| Credit loss provision to net charge-offs | 100.0863% | 2,288 |
| Earnings coverage of net charge-offs (x) | 16.4409% | 1,365 |
| Efficiency ratio | 55.7429% | 6,151 |
| Assets per employee ($millions) | 3.7435% | 4,553 |
| Cash dividends to net income (ytd only)* | 34.8332% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 5,004 |
| Loan loss allowance to noncurrent loans | 95.8811% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 2,307 |
| Noncurrent loans to loans | 1.3600% | 4,083 |
| Net loans and leases to total assets | 68.6461% | 2,001 |
| Net loans and leases to deposits | 84.8216% | 1,563 |
| Net loans and leases to core deposits | 91.0845% | 1,739 |
| Total domestic deposits to total assets | 80.9299% | 5,623 |
| Equity capital to assets | 11.2958% | 2,633 |
| Core capital (leverage) ratio | 9.7406% | 3,717 |
| Tier 1 risk-based capital ratio | 13.6157% | 4,739 |
| Total risk-based capital ratio | 14.8762% | 4,719 |
| Memoranda: | ||
| Average total assets | $3,615,189,500 | 220 |
| Average earning assets | $3,260,849,500 | 212 |
| Average equity | $409,850,500 | 227 |
| Average total loans | $2,550,447,000 | 197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 2,582 |
| Cost of funding earning assets | 0.7361% | 5,306 |
| Net interest margin | 4.3285% | 1,611 |
| Noninterest income to average assets | 1.0179% | 1,314 |
| Noninterest expense to average assets | 2.8853% | 4,020 |
| Loan and lease loss provision to assets | 0.3820% | 2,709 |
| Net operating income to assets | 1.1373% | 1,701 |
| Return on assets (ROA) | 1.1416% | 1,808 |
| Pretax return on assets | 1.6530% | 1,099 |
| Return on Equity (ROE) | 10.0811% | 2,033 |
| Retained earnings to average equity (ytd only) | 4.9305% | 2,693 |
| Net charge-offs to loans | 0.5771% | 2,718 |
| Credit loss provision to net charge-offs | 89.0306% | 4,052 |
| Earnings coverage of net charge-offs (x) | 4.7284% | 3,000 |
| Efficiency ratio | 58.5908% | 5,963 |
| Assets per employee ($millions) | 3.6722% | 4,608 |
| Cash dividends to net income (ytd only)* | 51.0912% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 4,918 |
| Loan loss allowance to noncurrent loans | 89.0067% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 2,305 |
| Noncurrent loans to loans | 1.4574% | 3,979 |
| Net loans and leases to total assets | 70.6382% | 1,892 |
| Net loans and leases to deposits | 87.3201% | 1,472 |
| Net loans and leases to core deposits | 94.1543% | 1,678 |
| Total domestic deposits to total assets | 80.8957% | 5,481 |
| Equity capital to assets | 11.3790% | 2,614 |
| Core capital (leverage) ratio | 9.5077% | 4,015 |
| Tier 1 risk-based capital ratio | 13.3165% | 4,825 |
| Total risk-based capital ratio | 14.5778% | 4,798 |
| Memoranda: | ||
| Average total assets | $3,471,892,400 | 221 |
| Average earning assets | $3,125,048,200 | 213 |
| Average equity | $393,162,800 | 223 |
| Average total loans | $2,581,042,000 | 193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 2,481 |
| Cost of funding earning assets | 0.7679% | 5,349 |
| Net interest margin | 4.3596% | 1,532 |
| Noninterest income to average assets | 1.0026% | 1,335 |
| Noninterest expense to average assets | 2.8908% | 3,971 |
| Loan and lease loss provision to assets | 0.3954% | 2,486 |
| Net operating income to assets | 1.1418% | 1,833 |
| Return on assets (ROA) | 1.1418% | 1,957 |
| Pretax return on assets | 1.6395% | 1,281 |
| Return on Equity (ROE) | 10.0959% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.6233% | 3,428 |
| Net charge-offs to loans | 0.5168% | 2,693 |
| Credit loss provision to net charge-offs | 101.9346% | 3,284 |
| Earnings coverage of net charge-offs (x) | 5.2456% | 2,838 |
| Efficiency ratio | 58.5620% | 5,924 |
| Assets per employee ($millions) | 3.6285% | 4,683 |
| Cash dividends to net income (ytd only)* | 54.2060% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,735 |
| Loan loss allowance to noncurrent loans | 93.2585% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 2.7004% | 2,401 |
| Noncurrent loans to loans | 1.4578% | 4,111 |
| Net loans and leases to total assets | 71.7795% | 1,762 |
| Net loans and leases to deposits | 90.0421% | 1,209 |
| Net loans and leases to core deposits | 97.4078% | 1,481 |
| Total domestic deposits to total assets | 79.7176% | 5,824 |
| Equity capital to assets | 11.3272% | 2,833 |
| Core capital (leverage) ratio | 9.5977% | 3,999 |
| Tier 1 risk-based capital ratio | 13.0839% | 5,034 |
| Total risk-based capital ratio | 14.3541% | 4,997 |
| Memoranda: | ||
| Average total assets | $3,446,612,500 | 221 |
| Average earning assets | $3,101,522,000 | 216 |
| Average equity | $389,810,250 | 224 |
| Average total loans | $2,587,031,500 | 194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 2,352 |
| Cost of funding earning assets | 0.7969% | 5,390 |
| Net interest margin | 4.3821% | 1,430 |
| Noninterest income to average assets | 1.0005% | 1,317 |
| Noninterest expense to average assets | 2.9551% | 3,811 |
| Loan and lease loss provision to assets | 0.4512% | 2,163 |
| Net operating income to assets | 1.0917% | 1,899 |
| Return on assets (ROA) | 1.0917% | 1,992 |
| Pretax return on assets | 1.5380% | 1,410 |
| Return on Equity (ROE) | 9.6574% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.2194% | 3,515 |
| Net charge-offs to loans | 0.5681% | 2,404 |
| Credit loss provision to net charge-offs | 104.7147% | 2,948 |
| Earnings coverage of net charge-offs (x) | 4.6164% | 2,814 |
| Efficiency ratio | 59.6419% | 5,924 |
| Assets per employee ($millions) | 3.4940% | 4,956 |
| Cash dividends to net income (ytd only)* | 56.3093% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,764 |
| Loan loss allowance to noncurrent loans | 58.9769% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 3.0696% | 2,189 |
| Noncurrent loans to loans | 2.3092% | 3,087 |
| Net loans and leases to total assets | 73.4538% | 1,509 |
| Net loans and leases to deposits | 91.1803% | 1,138 |
| Net loans and leases to core deposits | 99.1601% | 1,421 |
| Total domestic deposits to total assets | 80.5589% | 5,671 |
| Equity capital to assets | 11.3291% | 2,658 |
| Core capital (leverage) ratio | 9.5048% | 3,951 |
| Tier 1 risk-based capital ratio | 12.8269% | 5,070 |
| Total risk-based capital ratio | 14.0920% | 5,030 |
| Memoranda: | ||
| Average total assets | $3,416,230,670 | 226 |
| Average earning assets | $3,074,505,330 | 221 |
| Average equity | $386,170,670 | 226 |
| Average total loans | $2,591,247,670 | 197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 2,182 |
| Cost of funding earning assets | 0.8227% | 5,449 |
| Net interest margin | 4.3887% | 1,314 |
| Noninterest income to average assets | 1.0158% | 1,280 |
| Noninterest expense to average assets | 2.9423% | 3,881 |
| Loan and lease loss provision to assets | 0.5174% | 1,679 |
| Net operating income to assets | 1.1137% | 1,792 |
| Return on assets (ROA) | 1.1137% | 1,843 |
| Pretax return on assets | 1.5109% | 1,413 |
| Return on Equity (ROE) | 9.8632% | 2,143 |
| Retained earnings to average equity (ytd only) | 3.5955% | 4,028 |
| Net charge-offs to loans | 0.6224% | 1,954 |
| Credit loss provision to net charge-offs | 108.5891% | 2,455 |
| Earnings coverage of net charge-offs (x) | 4.2567% | 2,532 |
| Efficiency ratio | 59.0679% | 6,123 |
| Assets per employee ($millions) | 3.5192% | 4,950 |
| Cash dividends to net income (ytd only)* | 63.5459% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 4,862 |
| Loan loss allowance to noncurrent loans | 61.2522% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 2,260 |
| Noncurrent loans to loans | 2.2184% | 3,297 |
| Net loans and leases to total assets | 74.1429% | 1,320 |
| Net loans and leases to deposits | 90.9921% | 1,124 |
| Net loans and leases to core deposits | 98.5808% | 1,468 |
| Total domestic deposits to total assets | 81.4828% | 5,502 |
| Equity capital to assets | 11.1857% | 2,518 |
| Core capital (leverage) ratio | 9.5766% | 3,693 |
| Tier 1 risk-based capital ratio | 12.5673% | 5,200 |
| Total risk-based capital ratio | 13.8216% | 5,173 |
| Memoranda: | ||
| Average total assets | $3,391,314,500 | 226 |
| Average earning assets | $3,056,120,000 | 224 |
| Average equity | $382,918,500 | 221 |
| Average total loans | $2,596,317,500 | 198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 2,724 |
| Cost of funding earning assets | 1.0923% | 5,174 |
| Net interest margin | 4.2971% | 1,828 |
| Noninterest income to average assets | 1.0515% | 1,352 |
| Noninterest expense to average assets | 2.8222% | 4,515 |
| Loan and lease loss provision to assets | 0.5222% | 3,061 |
| Net operating income to assets | 1.0831% | 1,752 |
| Return on assets (ROA) | 1.0831% | 1,843 |
| Pretax return on assets | 1.5752% | 1,189 |
| Return on Equity (ROE) | 9.2679% | 2,190 |
| Retained earnings to average equity (ytd only) | -0.0840% | 5,614 |
| Net charge-offs to loans | 0.5849% | 3,285 |
| Credit loss provision to net charge-offs | 115.0957% | 3,766 |
| Earnings coverage of net charge-offs (x) | 4.6229% | 2,859 |
| Efficiency ratio | 57.1078% | 6,446 |
| Assets per employee ($millions) | 3.3233% | 5,376 |
| Cash dividends to net income (ytd only)* | 100.9067% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,503 |
| Loan loss allowance to noncurrent loans | 58.1829% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 3.1769% | 2,228 |
| Noncurrent loans to loans | 2.4058% | 3,108 |
| Net loans and leases to total assets | 77.9031% | 961 |
| Net loans and leases to deposits | 96.3201% | 846 |
| Net loans and leases to core deposits | 104.1984% | 1,300 |
| Total domestic deposits to total assets | 80.8794% | 5,559 |
| Equity capital to assets | 11.5520% | 2,218 |
| Core capital (leverage) ratio | 9.5831% | 3,584 |
| Tier 1 risk-based capital ratio | 12.3634% | 5,145 |
| Total risk-based capital ratio | 13.6159% | 5,115 |
| Memoranda: | ||
| Average total assets | $3,156,801,800 | 240 |
| Average earning assets | $2,841,609,400 | 235 |
| Average equity | $368,909,000 | 222 |
| Average total loans | $2,448,558,800 | 211 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 2,875 |
| Cost of funding earning assets | 1.1380% | 5,209 |
| Net interest margin | 4.2633% | 1,976 |
| Noninterest income to average assets | 1.0268% | 1,389 |
| Noninterest expense to average assets | 2.8121% | 4,433 |
| Loan and lease loss provision to assets | 0.5277% | 2,821 |
| Net operating income to assets | 1.0462% | 2,084 |
| Return on assets (ROA) | 1.0462% | 2,192 |
| Pretax return on assets | 1.5220% | 1,556 |
| Return on Equity (ROE) | 8.9268% | 2,516 |
| Retained earnings to average equity (ytd only) | 4.2453% | 3,501 |
| Net charge-offs to loans | 0.5963% | 2,954 |
| Credit loss provision to net charge-offs | 114.6210% | 3,650 |
| Earnings coverage of net charge-offs (x) | 4.4520% | 3,042 |
| Efficiency ratio | 57.5026% | 6,342 |
| Assets per employee ($millions) | 3.4180% | 5,159 |
| Cash dividends to net income (ytd only)* | 52.4426% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,466 |
| Loan loss allowance to noncurrent loans | 60.5115% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 3.0365% | 2,391 |
| Noncurrent loans to loans | 2.3125% | 3,330 |
| Net loans and leases to total assets | 75.0085% | 1,587 |
| Net loans and leases to deposits | 93.2365% | 1,291 |
| Net loans and leases to core deposits | 101.3465% | 1,714 |
| Total domestic deposits to total assets | 80.4497% | 5,558 |
| Equity capital to assets | 11.7892% | 2,292 |
| Core capital (leverage) ratio | 9.8603% | 3,418 |
| Tier 1 risk-based capital ratio | 12.8858% | 4,662 |
| Total risk-based capital ratio | 14.1420% | 4,646 |
| Memoranda: | ||
| Average total assets | $3,159,214,250 | 235 |
| Average earning assets | $2,841,906,750 | 233 |
| Average equity | $370,246,750 | 219 |
| Average total loans | $2,439,065,000 | 209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 2,793 |
| Cost of funding earning assets | 1.1555% | 5,368 |
| Net interest margin | 4.2867% | 1,835 |
| Noninterest income to average assets | 0.9899% | 1,404 |
| Noninterest expense to average assets | 2.8052% | 4,458 |
| Loan and lease loss provision to assets | 0.5623% | 2,524 |
| Net operating income to assets | 1.0211% | 2,112 |
| Return on assets (ROA) | 1.0211% | 2,186 |
| Pretax return on assets | 1.4781% | 1,620 |
| Return on Equity (ROE) | 8.7309% | 2,571 |
| Retained earnings to average equity (ytd only) | 4.1021% | 3,468 |
| Net charge-offs to loans | 0.4363% | 3,241 |
| Credit loss provision to net charge-offs | 166.0960% | 2,372 |
| Earnings coverage of net charge-offs (x) | 6.0273% | 2,546 |
| Efficiency ratio | 57.4763% | 6,455 |
| Assets per employee ($millions) | 3.3624% | 5,280 |
| Cash dividends to net income (ytd only)* | 53.0157% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 4,014 |
| Loan loss allowance to noncurrent loans | 58.0428% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.2054% | 2,211 |
| Noncurrent loans to loans | 2.5501% | 3,107 |
| Net loans and leases to total assets | 75.3395% | 1,620 |
| Net loans and leases to deposits | 93.1574% | 1,379 |
| Net loans and leases to core deposits | 102.3700% | 1,791 |
| Total domestic deposits to total assets | 80.8733% | 5,442 |
| Equity capital to assets | 11.6639% | 2,308 |
| Core capital (leverage) ratio | 9.7582% | 3,461 |
| Tier 1 risk-based capital ratio | 12.7162% | 4,675 |
| Total risk-based capital ratio | 13.9726% | 4,641 |
| Memoranda: | ||
| Average total assets | $3,140,188,000 | 237 |
| Average earning assets | $2,824,437,000 | 234 |
| Average equity | $367,271,000 | 218 |
| Average total loans | $2,436,510,000 | 208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 2,609 |
| Cost of funding earning assets | 1.1648% | 5,576 |
| Net interest margin | 4.3295% | 1,598 |
| Noninterest income to average assets | 1.0216% | 1,232 |
| Noninterest expense to average assets | 2.8166% | 4,427 |
| Loan and lease loss provision to assets | 0.7352% | 1,727 |
| Net operating income to assets | 0.9232% | 2,458 |
| Return on assets (ROA) | 0.9232% | 2,524 |
| Pretax return on assets | 1.3632% | 1,870 |
| Return on Equity (ROE) | 7.8822% | 2,944 |
| Retained earnings to average equity (ytd only) | 1.8485% | 5,006 |
| Net charge-offs to loans | 0.5738% | 2,371 |
| Credit loss provision to net charge-offs | 163.9072% | 2,213 |
| Earnings coverage of net charge-offs (x) | 4.6783% | 2,575 |
| Efficiency ratio | 56.8897% | 6,644 |
| Assets per employee ($millions) | 3.3553% | 5,414 |
| Cash dividends to net income (ytd only)* | 76.5484% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 4,234 |
| Loan loss allowance to noncurrent loans | 63.5043% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.9651% | 2,424 |
| Noncurrent loans to loans | 2.2606% | 3,444 |
| Net loans and leases to total assets | 75.9158% | 1,558 |
| Net loans and leases to deposits | 94.1028% | 1,337 |
| Net loans and leases to core deposits | 101.1879% | 2,010 |
| Total domestic deposits to total assets | 80.6733% | 5,568 |
| Equity capital to assets | 11.5933% | 2,297 |
| Core capital (leverage) ratio | 9.8762% | 3,310 |
| Tier 1 risk-based capital ratio | 12.4717% | 4,782 |
| Total risk-based capital ratio | 13.7242% | 4,725 |
| Memoranda: | ||
| Average total assets | $3,113,157,000 | 246 |
| Average earning assets | $2,799,557,000 | 243 |
| Average equity | $364,620,000 | 225 |
| Average total loans | $2,433,421,000 | 213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 3,527 |
| Cost of funding earning assets | 1.5994% | 5,032 |
| Net interest margin | 4.0160% | 2,803 |
| Noninterest income to average assets | 1.1691% | 1,123 |
| Noninterest expense to average assets | 2.9609% | 4,298 |
| Loan and lease loss provision to assets | 0.5796% | 3,487 |
| Net operating income to assets | 0.8711% | 2,275 |
| Return on assets (ROA) | 0.8861% | 2,293 |
| Pretax return on assets | 1.2777% | 1,758 |
| Return on Equity (ROE) | 7.4708% | 2,590 |
| Retained earnings to average equity (ytd only) | 2.2954% | 3,507 |
| Net charge-offs to loans | 0.6569% | 3,215 |
| Credit loss provision to net charge-offs | 111.6451% | 4,919 |
| Earnings coverage of net charge-offs (x) | 3.5357% | 3,302 |
| Efficiency ratio | 61.2925% | 6,275 |
| Assets per employee ($millions) | 3.2684% | 5,563 |
| Cash dividends to net income (ytd only)* | 69.2754% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 4,537 |
| Loan loss allowance to noncurrent loans | 79.0120% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.5595% | 2,732 |
| Noncurrent loans to loans | 1.6949% | 4,098 |
| Net loans and leases to total assets | 78.2778% | 1,326 |
| Net loans and leases to deposits | 97.1813% | 1,192 |
| Net loans and leases to core deposits | 125.3302% | 1,564 |
| Total domestic deposits to total assets | 80.5482% | 5,491 |
| Equity capital to assets | 11.8344% | 2,116 |
| Core capital (leverage) ratio | 9.9890% | 3,102 |
| Tier 1 risk-based capital ratio | 12.4098% | 4,586 |
| Total risk-based capital ratio | 13.6613% | 4,547 |
| Memoranda: | ||
| Average total assets | $3,013,794,200 | 247 |
| Average earning assets | $2,722,209,600 | 245 |
| Average equity | $357,456,800 | 227 |
| Average total loans | $2,381,970,000 | 222 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6148% | 3,776 |
| Cost of funding earning assets | 1.6926% | 4,940 |
| Net interest margin | 3.9223% | 3,150 |
| Noninterest income to average assets | 1.1531% | 1,183 |
| Noninterest expense to average assets | 2.9407% | 4,272 |
| Loan and lease loss provision to assets | 0.5457% | 3,206 |
| Net operating income to assets | 0.8450% | 2,639 |
| Return on assets (ROA) | 0.8610% | 2,634 |
| Pretax return on assets | 1.2365% | 2,143 |
| Return on Equity (ROE) | 7.2549% | 2,965 |
| Retained earnings to average equity (ytd only) | 1.8232% | 4,300 |
| Net charge-offs to loans | 0.6272% | 2,799 |
| Credit loss provision to net charge-offs | 110.1984% | 4,617 |
| Earnings coverage of net charge-offs (x) | 3.5528% | 3,483 |
| Efficiency ratio | 62.1174% | 6,084 |
| Assets per employee ($millions) | 3.1979% | 5,650 |
| Cash dividends to net income (ytd only)* | 74.8696% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,318 |
| Loan loss allowance to noncurrent loans | 70.7624% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.7054% | 2,570 |
| Noncurrent loans to loans | 1.8790% | 3,797 |
| Net loans and leases to total assets | 78.4745% | 1,488 |
| Net loans and leases to deposits | 98.0470% | 1,324 |
| Net loans and leases to core deposits | 125.9098% | 1,748 |
| Total domestic deposits to total assets | 80.0377% | 5,418 |
| Equity capital to assets | 11.9318% | 2,276 |
| Core capital (leverage) ratio | 9.8576% | 3,448 |
| Tier 1 risk-based capital ratio | 12.4034% | 4,625 |
| Total risk-based capital ratio | 13.6547% | 4,569 |
| Memoranda: | ||
| Average total assets | $2,999,165,750 | 255 |
| Average earning assets | $2,712,127,000 | 256 |
| Average equity | $355,924,000 | 234 |
| Average total loans | $2,368,068,000 | 235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 4,146 |
| Cost of funding earning assets | 1.7544% | 4,982 |
| Net interest margin | 3.8303% | 3,414 |
| Noninterest income to average assets | 1.2219% | 1,038 |
| Noninterest expense to average assets | 2.9869% | 4,137 |
| Loan and lease loss provision to assets | 0.4348% | 3,383 |
| Net operating income to assets | 0.8867% | 2,509 |
| Return on assets (ROA) | 0.9108% | 2,512 |
| Pretax return on assets | 1.2966% | 2,035 |
| Return on Equity (ROE) | 7.6891% | 2,894 |
| Retained earnings to average equity (ytd only) | 1.7631% | 4,360 |
| Net charge-offs to loans | 0.5010% | 2,827 |
| Credit loss provision to net charge-offs | 110.1830% | 4,204 |
| Earnings coverage of net charge-offs (x) | 4.3007% | 3,142 |
| Efficiency ratio | 63.3177% | 6,039 |
| Assets per employee ($millions) | 3.1325% | 5,771 |
| Cash dividends to net income (ytd only)* | 77.0699% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,162 |
| Loan loss allowance to noncurrent loans | 52.7436% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.6443% | 2,428 |
| Noncurrent loans to loans | 2.5023% | 2,892 |
| Net loans and leases to total assets | 77.7222% | 1,815 |
| Net loans and leases to deposits | 97.6229% | 1,578 |
| Net loans and leases to core deposits | 124.3841% | 1,990 |
| Total domestic deposits to total assets | 79.6148% | 5,584 |
| Equity capital to assets | 11.7881% | 2,332 |
| Core capital (leverage) ratio | 9.8173% | 3,497 |
| Tier 1 risk-based capital ratio | 12.3896% | 4,608 |
| Total risk-based capital ratio | 13.6407% | 4,537 |
| Memoranda: | ||
| Average total assets | $2,991,556,330 | 264 |
| Average earning assets | $2,703,900,330 | 261 |
| Average equity | $354,372,330 | 234 |
| Average total loans | $2,356,273,670 | 244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 4,386 |
| Cost of funding earning assets | 1.8147% | 5,047 |
| Net interest margin | 3.7807% | 3,534 |
| Noninterest income to average assets | 1.1831% | 1,045 |
| Noninterest expense to average assets | 3.0061% | 3,745 |
| Loan and lease loss provision to assets | 0.2663% | 3,830 |
| Net operating income to assets | 0.9199% | 2,619 |
| Return on assets (ROA) | 0.9680% | 2,579 |
| Pretax return on assets | 1.3975% | 1,971 |
| Return on Equity (ROE) | 8.1519% | 3,073 |
| Retained earnings to average equity (ytd only) | 1.9265% | 4,779 |
| Net charge-offs to loans | 0.3759% | 2,589 |
| Credit loss provision to net charge-offs | 89.9228% | 4,010 |
| Earnings coverage of net charge-offs (x) | 5.3831% | 2,683 |
| Efficiency ratio | 64.8843% | 5,522 |
| Assets per employee ($millions) | 3.1608% | 5,702 |
| Cash dividends to net income (ytd only)* | 76.3677% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,025 |
| Loan loss allowance to noncurrent loans | 58.6570% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.2376% | 2,559 |
| Noncurrent loans to loans | 2.2306% | 2,950 |
| Net loans and leases to total assets | 76.7046% | 2,110 |
| Net loans and leases to deposits | 96.3672% | 1,892 |
| Net loans and leases to core deposits | 122.0342% | 2,252 |
| Total domestic deposits to total assets | 79.5962% | 5,507 |
| Equity capital to assets | 11.7955% | 2,388 |
| Core capital (leverage) ratio | 9.9854% | 3,427 |
| Tier 1 risk-based capital ratio | 12.5742% | 4,492 |
| Total risk-based capital ratio | 13.8253% | 4,416 |
| Memoranda: | ||
| Average total assets | $2,975,905,500 | 269 |
| Average earning assets | $2,689,663,500 | 267 |
| Average equity | $353,389,000 | 239 |
| Average total loans | $2,343,983,000 | 245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4022% | 3,409 |
| Cost of funding earning assets | 2.2942% | 5,178 |
| Net interest margin | 4.1080% | 2,676 |
| Noninterest income to average assets | 1.0508% | 1,420 |
| Noninterest expense to average assets | 2.6734% | 5,368 |
| Loan and lease loss provision to assets | 0.3951% | 3,321 |
| Net operating income to assets | 1.2270% | 1,693 |
| Return on assets (ROA) | 0.8602% | 3,022 |
| Pretax return on assets | 1.1848% | 2,702 |
| Return on Equity (ROE) | 7.1310% | 3,460 |
| Retained earnings to average equity (ytd only) | 1.2681% | 4,460 |
| Net charge-offs to loans | 0.3800% | 2,933 |
| Credit loss provision to net charge-offs | 131.8595% | 4,039 |
| Earnings coverage of net charge-offs (x) | 6.9497% | 3,227 |
| Efficiency ratio | 55.7538% | 7,047 |
| Assets per employee ($millions) | 3.1206% | 5,715 |
| Cash dividends to net income (ytd only)* | 82.2171% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 3,698 |
| Loan loss allowance to noncurrent loans | 59.0554% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.1274% | 2,306 |
| Noncurrent loans to loans | 2.2215% | 2,479 |
| Net loans and leases to total assets | 78.7854% | 1,938 |
| Net loans and leases to deposits | 98.9253% | 1,989 |
| Net loans and leases to core deposits | 125.8907% | 2,169 |
| Total domestic deposits to total assets | 79.6413% | 5,151 |
| Equity capital to assets | 11.9563% | 2,313 |
| Core capital (leverage) ratio | 10.0232% | 3,423 |
| Tier 1 risk-based capital ratio | 12.5960% | 4,371 |
| Total risk-based capital ratio | 13.8472% | 4,279 |
| Memoranda: | ||
| Average total assets | $2,898,521,800 | 262 |
| Average earning assets | $2,614,162,600 | 264 |
| Average equity | $349,654,000 | 246 |
| Average total loans | $2,285,296,200 | 246 |