Home > First Bank > Performance and Condition Ratios
First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 2,828 |
| Cost of funding earning assets | 1.2714% | 2,596 |
| Net interest margin | 3.3594% | 2,498 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.1962% | 3,142 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.9468% | 2,382 |
| Return on assets (ROA) | 0.9468% | 2,370 |
| Pretax return on assets | 1.1996% | 2,143 |
| Return on Equity (ROE) | 8.3100% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.8808% | 2,294 |
| Net charge-offs to loans | 0.0839% | 1,025 |
| Credit loss provision to net charge-offs | 305.0664% | 946 |
| Earnings coverage of net charge-offs (x) | 24.6610% | 1,753 |
| Efficiency ratio | 60.0171% | 3,074 |
| Assets per employee ($millions) | 8.5254% | 1,170 |
| Cash dividends to net income (ytd only)* | 29.2118% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 1,586 |
| Loan loss allowance to noncurrent loans | 341.0736% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 1,864 |
| Noncurrent loans to loans | 0.3951% | 1,799 |
| Net loans and leases to total assets | 66.3900% | 2,214 |
| Net loans and leases to deposits | 80.1279% | 2,094 |
| Net loans and leases to core deposits | 83.1859% | 2,513 |
| Total domestic deposits to total assets | 82.8600% | 2,923 |
| Equity capital to assets | 12.1871% | 1,074 |
| Core capital (leverage) ratio | 11.1964% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6134% | 1,369 |
| Memoranda: | ||
| Average total assets | $11,823,619,800 | 146 |
| Average earning assets | $10,552,028,400 | 145 |
| Average equity | $1,347,454,600 | 130 |
| Average total loans | $7,712,344,400 | 149 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 2,664 |
| Cost of funding earning assets | 1.1719% | 2,524 |
| Net interest margin | 3.4328% | 2,387 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.2864% | 2,835 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.9108% | 2,643 |
| Return on assets (ROA) | 0.9108% | 2,630 |
| Pretax return on assets | 1.1531% | 2,408 |
| Return on Equity (ROE) | 8.1400% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.0392% | 2,620 |
| Net charge-offs to loans | 0.0830% | 898 |
| Credit loss provision to net charge-offs | 345.6871% | 803 |
| Earnings coverage of net charge-offs (x) | 24.6283% | 1,704 |
| Efficiency ratio | 61.4344% | 2,793 |
| Assets per employee ($millions) | 8.1982% | 1,256 |
| Cash dividends to net income (ytd only)* | 25.7870% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,661 |
| Loan loss allowance to noncurrent loans | 402.4624% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 2,078 |
| Noncurrent loans to loans | 0.3346% | 2,031 |
| Net loans and leases to total assets | 66.1800% | 2,223 |
| Net loans and leases to deposits | 77.4112% | 2,295 |
| Net loans and leases to core deposits | 80.3407% | 2,571 |
| Total domestic deposits to total assets | 85.4900% | 2,353 |
| Equity capital to assets | 11.3786% | 1,216 |
| Core capital (leverage) ratio | 11.0239% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3472% | 1,459 |
| Memoranda: | ||
| Average total assets | $11,750,867,500 | 148 |
| Average earning assets | $10,484,806,500 | 145 |
| Average equity | $1,315,211,500 | 135 |
| Average total loans | $7,602,238,250 | 150 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 2,480 |
| Cost of funding earning assets | 1.0560% | 2,430 |
| Net interest margin | 3.5145% | 2,229 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3631% | 2,611 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.8283% | 2,991 |
| Return on assets (ROA) | 0.8283% | 3,003 |
| Pretax return on assets | 1.0519% | 2,771 |
| Return on Equity (ROE) | 7.4400% | 3,376 |
| Retained earnings to average equity (ytd only) | 6.1033% | 2,586 |
| Net charge-offs to loans | 0.0670% | 885 |
| Credit loss provision to net charge-offs | 606.5252% | 571 |
| Earnings coverage of net charge-offs (x) | 30.5316% | 1,540 |
| Efficiency ratio | 62.4395% | 2,654 |
| Assets per employee ($millions) | 8.1803% | 1,240 |
| Cash dividends to net income (ytd only)* | 17.9934% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,595 |
| Loan loss allowance to noncurrent loans | 365.6112% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 1,913 |
| Noncurrent loans to loans | 0.3781% | 1,789 |
| Net loans and leases to total assets | 64.7600% | 2,303 |
| Net loans and leases to deposits | 76.6125% | 2,248 |
| Net loans and leases to core deposits | 79.4770% | 2,509 |
| Total domestic deposits to total assets | 84.5400% | 2,675 |
| Equity capital to assets | 11.6664% | 1,149 |
| Core capital (leverage) ratio | 10.7745% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1909% | 1,510 |
| Memoranda: | ||
| Average total assets | $11,675,298,333 | 145 |
| Average earning assets | $10,426,894,000 | 142 |
| Average equity | $1,299,320,667 | 134 |
| Average total loans | $7,457,952,000 | 149 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 2,173 |
| Cost of funding earning assets | 0.8880% | 2,411 |
| Net interest margin | 3.6689% | 1,974 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.6188% | 1,902 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 0.5876% | 3,714 |
| Return on assets (ROA) | 0.5876% | 3,680 |
| Pretax return on assets | 0.7491% | 3,563 |
| Return on Equity (ROE) | 5.4200% | 3,824 |
| Retained earnings to average equity (ytd only) | 2.6260% | 3,579 |
| Net charge-offs to loans | 0.0902% | 630 |
| Credit loss provision to net charge-offs | 701.6544% | 453 |
| Earnings coverage of net charge-offs (x) | 20.8529% | 1,438 |
| Efficiency ratio | 66.9003% | 2,102 |
| Assets per employee ($millions) | 8.5706% | 1,106 |
| Cash dividends to net income (ytd only)* | 51.5189% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 1,769 |
| Loan loss allowance to noncurrent loans | 379.1867% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 1,949 |
| Noncurrent loans to loans | 0.3595% | 1,859 |
| Net loans and leases to total assets | 62.2500% | 2,441 |
| Net loans and leases to deposits | 74.0910% | 2,288 |
| Net loans and leases to core deposits | 78.8432% | 2,328 |
| Total domestic deposits to total assets | 84.0200% | 3,090 |
| Equity capital to assets | 11.2826% | 1,232 |
| Core capital (leverage) ratio | 10.4950% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8583% | 1,666 |
| Memoranda: | ||
| Average total assets | $11,496,305,500 | 148 |
| Average earning assets | $10,282,981,500 | 147 |
| Average equity | $1,247,058,000 | 142 |
| Average total loans | $7,235,637,000 | 156 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 2,857 |
| Cost of funding earning assets | 0.1383% | 4,184 |
| Net interest margin | 3.4406% | 2,131 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.8909% | 3,846 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.4233% | 1,068 |
| Return on assets (ROA) | 1.4233% | 1,032 |
| Pretax return on assets | 1.7944% | 747 |
| Return on Equity (ROE) | 13.1900% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.6660% | 739 |
| Net charge-offs to loans | 0.0067% | 2,162 |
| Credit loss provision to net charge-offs | 2,985.7820% | 195 |
| Earnings coverage of net charge-offs (x) | 479.1232% | 344 |
| Efficiency ratio | 48.8115% | 4,197 |
| Assets per employee ($millions) | 8.5411% | 1,073 |
| Cash dividends to net income (ytd only)* | 11.5579% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,630 |
| Loan loss allowance to noncurrent loans | 319.0034% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 1,781 |
| Noncurrent loans to loans | 0.4278% | 1,646 |
| Net loans and leases to total assets | 61.8900% | 2,452 |
| Net loans and leases to deposits | 71.2037% | 2,469 |
| Net loans and leases to core deposits | 75.6081% | 2,453 |
| Total domestic deposits to total assets | 86.9100% | 2,416 |
| Equity capital to assets | 10.3410% | 1,540 |
| Core capital (leverage) ratio | 10.5492% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1342% | 1,595 |
| Memoranda: | ||
| Average total assets | $10,577,041,200 | 157 |
| Average earning assets | $9,525,519,400 | 153 |
| Average equity | $1,141,330,000 | 156 |
| Average total loans | $6,335,972,200 | 166 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 2,714 |
| Cost of funding earning assets | 0.0772% | 4,439 |
| Net interest margin | 3.3917% | 1,998 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 1.9338% | 3,659 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4000% | 1,093 |
| Return on assets (ROA) | 1.4000% | 1,062 |
| Pretax return on assets | 1.7671% | 788 |
| Return on Equity (ROE) | 12.8400% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.8259% | 1,098 |
| Net charge-offs to loans | 0.0171% | 1,504 |
| Credit loss provision to net charge-offs | 1,072.3192% | 392 |
| Earnings coverage of net charge-offs (x) | 183.8229% | 651 |
| Efficiency ratio | 50.0151% | 4,160 |
| Assets per employee ($millions) | 8.6052% | 1,024 |
| Cash dividends to net income (ytd only)* | 15.6847% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 1,907 |
| Loan loss allowance to noncurrent loans | 302.0231% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,839 |
| Noncurrent loans to loans | 0.4391% | 1,711 |
| Net loans and leases to total assets | 61.2700% | 2,378 |
| Net loans and leases to deposits | 69.6860% | 2,392 |
| Net loans and leases to core deposits | 71.6990% | 2,509 |
| Total domestic deposits to total assets | 87.9200% | 2,453 |
| Equity capital to assets | 9.9128% | 1,665 |
| Core capital (leverage) ratio | 10.1571% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7709% | 1,778 |
| Memoranda: | ||
| Average total assets | $10,565,004,500 | 158 |
| Average earning assets | $9,525,096,750 | 154 |
| Average equity | $1,151,974,250 | 156 |
| Average total loans | $6,253,358,500 | 166 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 2,606 |
| Cost of funding earning assets | 0.0705% | 4,458 |
| Net interest margin | 3.2711% | 1,988 |
| Noninterest income to average assets | 0.7524% | 1,166 |
| Noninterest expense to average assets | 1.9535% | 3,567 |
| Loan and lease loss provision to assets | 0.0378% | 1,908 |
| Net operating income to assets | 1.3608% | 999 |
| Return on assets (ROA) | 1.3608% | 977 |
| Pretax return on assets | 1.7129% | 731 |
| Return on Equity (ROE) | 12.1152% | 1,639 |
| Retained earnings to average equity (ytd only) | 10.6512% | 861 |
| Net charge-offs to loans | 0.0035% | 1,921 |
| Credit loss provision to net charge-offs | 3,240.7407% | 164 |
| Earnings coverage of net charge-offs (x) | 857.6296% | 156 |
| Efficiency ratio | 51.7331% | 4,147 |
| Assets per employee ($millions) | 8.8140% | 946 |
| Cash dividends to net income (ytd only)* | 12.0842% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,118 |
| Loan loss allowance to noncurrent loans | 286.1954% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 1,919 |
| Noncurrent loans to loans | 0.4596% | 1,736 |
| Net loans and leases to total assets | 58.3485% | 2,493 |
| Net loans and leases to deposits | 65.7526% | 2,567 |
| Net loans and leases to core deposits | 67.8750% | 2,666 |
| Total domestic deposits to total assets | 88.7394% | 2,282 |
| Equity capital to assets | 10.5988% | 1,390 |
| Core capital (leverage) ratio | 9.8696% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8961% | 1,733 |
| Memoranda: | ||
| Average total assets | $10,581,495,000 | 152 |
| Average earning assets | $9,548,663,333 | 153 |
| Average equity | $1,188,504,000 | 151 |
| Average total loans | $6,161,479,333 | 164 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 2,365 |
| Cost of funding earning assets | 0.0743% | 4,410 |
| Net interest margin | 3.2337% | 1,769 |
| Noninterest income to average assets | 0.7837% | 1,082 |
| Noninterest expense to average assets | 1.9850% | 3,466 |
| Loan and lease loss provision to assets | 0.0756% | 1,090 |
| Net operating income to assets | 1.3091% | 983 |
| Return on assets (ROA) | 1.3091% | 971 |
| Pretax return on assets | 1.6444% | 765 |
| Return on Equity (ROE) | 11.3364% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.4903% | 1,427 |
| Net charge-offs to loans | 0.0144% | 1,252 |
| Credit loss provision to net charge-offs | 1,590.9091% | 248 |
| Earnings coverage of net charge-offs (x) | 206.9409% | 423 |
| Efficiency ratio | 52.5400% | 4,158 |
| Assets per employee ($millions) | 8.8462% | 975 |
| Cash dividends to net income (ytd only)* | 25.1061% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,110 |
| Loan loss allowance to noncurrent loans | 245.2750% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 1,749 |
| Noncurrent loans to loans | 0.5509% | 1,661 |
| Net loans and leases to total assets | 56.2114% | 2,511 |
| Net loans and leases to deposits | 63.6609% | 2,561 |
| Net loans and leases to core deposits | 65.8719% | 2,637 |
| Total domestic deposits to total assets | 88.2982% | 2,390 |
| Equity capital to assets | 10.9398% | 1,359 |
| Core capital (leverage) ratio | 9.4314% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7456% | 1,900 |
| Memoranda: | ||
| Average total assets | $10,588,227,500 | 151 |
| Average earning assets | $9,565,004,000 | 153 |
| Average equity | $1,222,712,500 | 152 |
| Average total loans | $6,117,987,500 | 166 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 3,099 |
| Cost of funding earning assets | 0.1051% | 4,349 |
| Net interest margin | 3.2292% | 2,518 |
| Noninterest income to average assets | 0.9523% | 1,091 |
| Noninterest expense to average assets | 2.1888% | 3,121 |
| Loan and lease loss provision to assets | 0.1779% | 648 |
| Net operating income to assets | 1.2071% | 1,900 |
| Return on assets (ROA) | 1.1955% | 1,996 |
| Pretax return on assets | 1.5044% | 1,709 |
| Return on Equity (ROE) | 9.9496% | 2,543 |
| Retained earnings to average equity (ytd only) | 7.4571% | 1,742 |
| Net charge-offs to loans | 0.0530% | 1,268 |
| Credit loss provision to net charge-offs | 358.6194% | 977 |
| Earnings coverage of net charge-offs (x) | 53.4933% | 1,261 |
| Efficiency ratio | 55.2533% | 3,792 |
| Assets per employee ($millions) | 8.7132% | 1,008 |
| Cash dividends to net income (ytd only)* | 25.0505% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,461 |
| Loan loss allowance to noncurrent loans | 220.6975% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 1,747 |
| Noncurrent loans to loans | 0.5794% | 1,689 |
| Net loans and leases to total assets | 57.8424% | 2,393 |
| Net loans and leases to deposits | 66.4820% | 2,466 |
| Net loans and leases to core deposits | 69.2325% | 2,527 |
| Total domestic deposits to total assets | 87.0046% | 2,518 |
| Equity capital to assets | 12.1642% | 1,187 |
| Core capital (leverage) ratio | 9.2166% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4342% | 2,072 |
| Memoranda: | ||
| Average total assets | $8,448,080,400 | 181 |
| Average earning assets | $7,674,509,200 | 175 |
| Average equity | $1,015,079,800 | 171 |
| Average total loans | $5,058,795,000 | 189 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3228% | 3,329 |
| Cost of funding earning assets | 0.1132% | 4,403 |
| Net interest margin | 3.2097% | 2,700 |
| Noninterest income to average assets | 1.0576% | 980 |
| Noninterest expense to average assets | 2.1028% | 3,354 |
| Loan and lease loss provision to assets | 0.0267% | 2,464 |
| Net operating income to assets | 1.4596% | 1,363 |
| Return on assets (ROA) | 1.4596% | 1,423 |
| Pretax return on assets | 1.8459% | 1,055 |
| Return on Equity (ROE) | 12.1979% | 1,978 |
| Retained earnings to average equity (ytd only) | 9.5285% | 1,470 |
| Net charge-offs to loans | 0.0539% | 1,114 |
| Credit loss provision to net charge-offs | -72.3514% | 3,190 |
| Earnings coverage of net charge-offs (x) | 57.5659% | 1,155 |
| Efficiency ratio | 51.8645% | 4,035 |
| Assets per employee ($millions) | 8.1806% | 1,186 |
| Cash dividends to net income (ytd only)* | 21.8836% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,475 |
| Loan loss allowance to noncurrent loans | 203.4924% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,890 |
| Noncurrent loans to loans | 0.6397% | 1,707 |
| Net loans and leases to total assets | 56.8159% | 2,638 |
| Net loans and leases to deposits | 64.7948% | 2,757 |
| Net loans and leases to core deposits | 67.7096% | 2,804 |
| Total domestic deposits to total assets | 87.6859% | 2,016 |
| Equity capital to assets | 11.5287% | 1,653 |
| Core capital (leverage) ratio | 9.2348% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6746% | 2,096 |
| Memoranda: | ||
| Average total assets | $7,930,894,250 | 187 |
| Average earning assets | $7,209,823,000 | 185 |
| Average equity | $949,028,500 | 176 |
| Average total loans | $4,783,000,000 | 197 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 3,206 |
| Cost of funding earning assets | 0.1270% | 4,373 |
| Net interest margin | 3.2635% | 2,568 |
| Noninterest income to average assets | 1.1623% | 846 |
| Noninterest expense to average assets | 2.1501% | 3,244 |
| Loan and lease loss provision to assets | 0.0501% | 2,032 |
| Net operating income to assets | 1.5138% | 1,255 |
| Return on assets (ROA) | 1.5138% | 1,316 |
| Pretax return on assets | 1.9238% | 970 |
| Return on Equity (ROE) | 12.4841% | 1,883 |
| Retained earnings to average equity (ytd only) | 9.7153% | 1,493 |
| Net charge-offs to loans | 0.0818% | 853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 39.3761% | 1,173 |
| Efficiency ratio | 51.0452% | 4,140 |
| Assets per employee ($millions) | 7.5382% | 1,458 |
| Cash dividends to net income (ytd only)* | 22.1782% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,171 |
| Loan loss allowance to noncurrent loans | 197.0841% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 1,961 |
| Noncurrent loans to loans | 0.6871% | 1,706 |
| Net loans and leases to total assets | 57.7482% | 2,703 |
| Net loans and leases to deposits | 65.9305% | 2,832 |
| Net loans and leases to core deposits | 69.2373% | 2,845 |
| Total domestic deposits to total assets | 87.5895% | 2,044 |
| Equity capital to assets | 11.6229% | 1,557 |
| Core capital (leverage) ratio | 9.3569% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9113% | 1,997 |
| Memoranda: | ||
| Average total assets | $7,744,050,667 | 190 |
| Average earning assets | $7,027,617,333 | 190 |
| Average equity | $939,054,000 | 177 |
| Average total loans | $4,747,964,667 | 198 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4120% | 3,158 |
| Cost of funding earning assets | 0.1427% | 4,356 |
| Net interest margin | 3.2694% | 2,482 |
| Noninterest income to average assets | 1.1746% | 884 |
| Noninterest expense to average assets | 2.1881% | 3,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5298% | 1,265 |
| Return on assets (ROA) | 1.5298% | 1,329 |
| Pretax return on assets | 1.9446% | 1,038 |
| Return on Equity (ROE) | 12.3363% | 1,890 |
| Retained earnings to average equity (ytd only) | 9.5465% | 1,788 |
| Net charge-offs to loans | 0.0944% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 32.7962% | 1,061 |
| Efficiency ratio | 51.7908% | 4,015 |
| Assets per employee ($millions) | 7.1140% | 1,719 |
| Cash dividends to net income (ytd only)* | 22.6150% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,901 |
| Loan loss allowance to noncurrent loans | 166.4282% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 1,772 |
| Noncurrent loans to loans | 0.8485% | 1,580 |
| Net loans and leases to total assets | 59.3937% | 2,619 |
| Net loans and leases to deposits | 68.1208% | 2,691 |
| Net loans and leases to core deposits | 71.9647% | 2,705 |
| Total domestic deposits to total assets | 87.1888% | 2,234 |
| Equity capital to assets | 11.9587% | 1,309 |
| Core capital (leverage) ratio | 9.5158% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3789% | 1,783 |
| Memoranda: | ||
| Average total assets | $7,515,268,500 | 192 |
| Average earning assets | $6,799,698,500 | 195 |
| Average equity | $931,948,000 | 176 |
| Average total loans | $4,721,294,000 | 200 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 2,938 |
| Cost of funding earning assets | 0.2946% | 4,176 |
| Net interest margin | 3.6349% | 2,027 |
| Noninterest income to average assets | 1.1489% | 819 |
| Noninterest expense to average assets | 2.4299% | 3,053 |
| Loan and lease loss provision to assets | 0.5189% | 452 |
| Net operating income to assets | 1.1502% | 1,724 |
| Return on assets (ROA) | 1.2441% | 1,508 |
| Pretax return on assets | 1.5747% | 1,123 |
| Return on Equity (ROE) | 9.1597% | 2,334 |
| Retained earnings to average equity (ytd only) | 2.2789% | 3,715 |
| Net charge-offs to loans | 0.0861% | 1,602 |
| Credit loss provision to net charge-offs | 865.3742% | 853 |
| Earnings coverage of net charge-offs (x) | 32.9313% | 1,538 |
| Efficiency ratio | 53.8360% | 4,231 |
| Assets per employee ($millions) | 6.6580% | 1,811 |
| Cash dividends to net income (ytd only)* | 75.1199% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,480 |
| Loan loss allowance to noncurrent loans | 146.3556% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 1,979 |
| Noncurrent loans to loans | 0.7489% | 1,832 |
| Net loans and leases to total assets | 64.8413% | 2,250 |
| Net loans and leases to deposits | 75.1620% | 2,369 |
| Net loans and leases to core deposits | 79.9365% | 2,366 |
| Total domestic deposits to total assets | 86.2687% | 2,245 |
| Equity capital to assets | 12.8700% | 1,147 |
| Core capital (leverage) ratio | 9.7472% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1773% | 1,789 |
| Memoranda: | ||
| Average total assets | $6,752,041,600 | 196 |
| Average earning assets | $6,047,676,200 | 201 |
| Average equity | $917,053,600 | 175 |
| Average total loans | $4,701,219,000 | 197 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 2,918 |
| Cost of funding earning assets | 0.3349% | 4,126 |
| Net interest margin | 3.6838% | 1,999 |
| Noninterest income to average assets | 1.1371% | 814 |
| Noninterest expense to average assets | 2.4460% | 3,002 |
| Loan and lease loss provision to assets | 0.6248% | 392 |
| Net operating income to assets | 1.0769% | 2,057 |
| Return on assets (ROA) | 1.2046% | 1,749 |
| Pretax return on assets | 1.5216% | 1,400 |
| Return on Equity (ROE) | 8.7432% | 2,503 |
| Retained earnings to average equity (ytd only) | 1.1243% | 4,214 |
| Net charge-offs to loans | 0.0905% | 1,400 |
| Credit loss provision to net charge-offs | 975.4011% | 843 |
| Earnings coverage of net charge-offs (x) | 30.9868% | 1,552 |
| Efficiency ratio | 53.8591% | 4,164 |
| Assets per employee ($millions) | 6.3993% | 1,913 |
| Cash dividends to net income (ytd only)* | 87.1412% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,653 |
| Loan loss allowance to noncurrent loans | 151.6746% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 2,214 |
| Noncurrent loans to loans | 0.6674% | 2,117 |
| Net loans and leases to total assets | 68.1345% | 2,225 |
| Net loans and leases to deposits | 79.2511% | 2,396 |
| Net loans and leases to core deposits | 84.7437% | 2,407 |
| Total domestic deposits to total assets | 85.9730% | 2,084 |
| Equity capital to assets | 13.1311% | 1,123 |
| Core capital (leverage) ratio | 10.0210% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8605% | 1,872 |
| Memoranda: | ||
| Average total assets | $6,617,419,000 | 195 |
| Average earning assets | $5,916,663,250 | 200 |
| Average equity | $911,743,500 | 175 |
| Average total loans | $4,681,608,000 | 197 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,918 |
| Cost of funding earning assets | 0.3908% | 4,071 |
| Net interest margin | 3.7562% | 1,968 |
| Noninterest income to average assets | 1.0489% | 902 |
| Noninterest expense to average assets | 2.4815% | 3,014 |
| Loan and lease loss provision to assets | 0.7695% | 323 |
| Net operating income to assets | 0.9123% | 2,644 |
| Return on assets (ROA) | 1.1108% | 2,056 |
| Pretax return on assets | 1.3969% | 1,734 |
| Return on Equity (ROE) | 7.9267% | 2,776 |
| Retained earnings to average equity (ytd only) | -3.5689% | 4,698 |
| Net charge-offs to loans | 0.1707% | 871 |
| Credit loss provision to net charge-offs | 631.0345% | 1,070 |
| Earnings coverage of net charge-offs (x) | 15.7312% | 1,891 |
| Efficiency ratio | 54.9708% | 4,065 |
| Assets per employee ($millions) | 6.2403% | 1,997 |
| Cash dividends to net income (ytd only)* | 145.0244% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,075 |
| Loan loss allowance to noncurrent loans | 118.5320% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,116 |
| Noncurrent loans to loans | 0.7435% | 2,017 |
| Net loans and leases to total assets | 69.1867% | 2,159 |
| Net loans and leases to deposits | 81.3059% | 2,279 |
| Net loans and leases to core deposits | 87.4289% | 2,311 |
| Total domestic deposits to total assets | 85.0943% | 2,356 |
| Equity capital to assets | 13.1133% | 1,115 |
| Core capital (leverage) ratio | 9.9892% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7158% | 1,919 |
| Memoranda: | ||
| Average total assets | $6,468,300,000 | 197 |
| Average earning assets | $5,770,618,333 | 200 |
| Average equity | $906,429,667 | 174 |
| Average total loans | $4,621,218,667 | 192 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,431 |
| Cost of funding earning assets | 0.4828% | 4,019 |
| Net interest margin | 3.9734% | 1,462 |
| Noninterest income to average assets | 0.9409% | 977 |
| Noninterest expense to average assets | 2.6022% | 2,976 |
| Loan and lease loss provision to assets | 0.3571% | 864 |
| Net operating income to assets | 1.2074% | 1,492 |
| Return on assets (ROA) | 1.2074% | 1,605 |
| Pretax return on assets | 1.5147% | 1,267 |
| Return on Equity (ROE) | 8.3223% | 2,376 |
| Retained earnings to average equity (ytd only) | -4.4040% | 4,471 |
| Net charge-offs to loans | 0.2199% | 641 |
| Credit loss provision to net charge-offs | 224.4980% | 1,353 |
| Earnings coverage of net charge-offs (x) | 11.7663% | 1,722 |
| Efficiency ratio | 56.6565% | 4,142 |
| Assets per employee ($millions) | 5.8080% | 1,833 |
| Cash dividends to net income (ytd only)* | 152.9181% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 4,844 |
| Loan loss allowance to noncurrent loans | 94.9093% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 2,631 |
| Noncurrent loans to loans | 0.5628% | 2,589 |
| Net loans and leases to total assets | 71.5282% | 1,994 |
| Net loans and leases to deposits | 90.2095% | 1,481 |
| Net loans and leases to core deposits | 98.6686% | 1,575 |
| Total domestic deposits to total assets | 79.2912% | 3,997 |
| Equity capital to assets | 14.2974% | 965 |
| Core capital (leverage) ratio | 10.9791% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4135% | 2,108 |
| Memoranda: | ||
| Average total assets | $6,260,950,500 | 199 |
| Average earning assets | $5,567,284,000 | 198 |
| Average equity | $908,350,000 | 175 |
| Average total loans | $4,529,598,000 | 191 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 2,362 |
| Cost of funding earning assets | 0.5859% | 3,691 |
| Net interest margin | 4.1019% | 1,534 |
| Noninterest income to average assets | 1.0185% | 937 |
| Noninterest expense to average assets | 2.6137% | 3,136 |
| Loan and lease loss provision to assets | 0.0375% | 3,261 |
| Net operating income to assets | 1.5804% | 872 |
| Return on assets (ROA) | 1.5817% | 926 |
| Pretax return on assets | 1.9982% | 605 |
| Return on Equity (ROE) | 11.0527% | 1,861 |
| Retained earnings to average equity (ytd only) | 7.5986% | 1,121 |
| Net charge-offs to loans | 0.0437% | 2,517 |
| Credit loss provision to net charge-offs | 118.8550% | 2,132 |
| Earnings coverage of net charge-offs (x) | 64.4070% | 942 |
| Efficiency ratio | 54.5017% | 4,375 |
| Assets per employee ($millions) | 5.6477% | 1,928 |
| Cash dividends to net income (ytd only)* | 31.2516% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4784% | 4,911 |
| Loan loss allowance to noncurrent loans | 83.4946% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 2,493 |
| Noncurrent loans to loans | 0.5729% | 2,471 |
| Net loans and leases to total assets | 72.4495% | 2,018 |
| Net loans and leases to deposits | 90.2232% | 1,564 |
| Net loans and leases to core deposits | 99.1043% | 1,638 |
| Total domestic deposits to total assets | 80.3003% | 3,914 |
| Equity capital to assets | 14.7270% | 863 |
| Core capital (leverage) ratio | 11.1742% | 2,361 |
| Tier 1 risk-based capital ratio | 14.3807% | 3,077 |
| Total risk-based capital ratio | 14.8579% | 3,368 |
| Memoranda: | ||
| Average total assets | $6,028,732,200 | 197 |
| Average earning assets | $5,334,155,600 | 197 |
| Average equity | $862,729,000 | 175 |
| Average total loans | $4,358,642,400 | 192 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 2,408 |
| Cost of funding earning assets | 0.5922% | 3,736 |
| Net interest margin | 4.1119% | 1,586 |
| Noninterest income to average assets | 1.0290% | 878 |
| Noninterest expense to average assets | 2.6144% | 3,124 |
| Loan and lease loss provision to assets | -0.0203% | 5,077 |
| Net operating income to assets | 1.6357% | 852 |
| Return on assets (ROA) | 1.6375% | 893 |
| Pretax return on assets | 2.0715% | 589 |
| Return on Equity (ROE) | 11.5284% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.8517% | 1,467 |
| Net charge-offs to loans | 0.0267% | 2,559 |
| Credit loss provision to net charge-offs | -105.4273% | 4,081 |
| Earnings coverage of net charge-offs (x) | 106.4732% | 718 |
| Efficiency ratio | 54.2806% | 4,365 |
| Assets per employee ($millions) | 5.5178% | 2,016 |
| Cash dividends to net income (ytd only)* | 31.8929% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4365% | 5,031 |
| Loan loss allowance to noncurrent loans | 92.6630% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 2,855 |
| Noncurrent loans to loans | 0.4710% | 2,890 |
| Net loans and leases to total assets | 72.3870% | 2,117 |
| Net loans and leases to deposits | 89.9988% | 1,696 |
| Net loans and leases to core deposits | 99.7349% | 1,682 |
| Total domestic deposits to total assets | 80.4311% | 3,881 |
| Equity capital to assets | 14.6229% | 945 |
| Core capital (leverage) ratio | 11.1407% | 2,522 |
| Tier 1 risk-based capital ratio | 14.4055% | 3,136 |
| Total risk-based capital ratio | 14.8509% | 3,438 |
| Memoranda: | ||
| Average total assets | $5,999,748,000 | 200 |
| Average earning assets | $5,303,199,000 | 201 |
| Average equity | $852,180,250 | 178 |
| Average total loans | $4,330,008,500 | 193 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 2,282 |
| Cost of funding earning assets | 0.5913% | 3,694 |
| Net interest margin | 4.1353% | 1,504 |
| Noninterest income to average assets | 1.0274% | 827 |
| Noninterest expense to average assets | 2.6442% | 3,077 |
| Loan and lease loss provision to assets | 0.0064% | 3,601 |
| Net operating income to assets | 1.6021% | 909 |
| Return on assets (ROA) | 1.6021% | 950 |
| Pretax return on assets | 2.0287% | 644 |
| Return on Equity (ROE) | 11.3935% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.8718% | 1,865 |
| Net charge-offs to loans | 0.0205% | 2,450 |
| Credit loss provision to net charge-offs | 43.4389% | 2,517 |
| Earnings coverage of net charge-offs (x) | 137.5905% | 531 |
| Efficiency ratio | 54.6671% | 4,392 |
| Assets per employee ($millions) | 5.5112% | 1,961 |
| Cash dividends to net income (ytd only)* | 39.6867% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4784% | 5,042 |
| Loan loss allowance to noncurrent loans | 115.5137% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 2,987 |
| Noncurrent loans to loans | 0.4141% | 3,052 |
| Net loans and leases to total assets | 71.9300% | 2,223 |
| Net loans and leases to deposits | 89.1135% | 1,844 |
| Net loans and leases to core deposits | 99.0052% | 1,803 |
| Total domestic deposits to total assets | 80.7173% | 3,889 |
| Equity capital to assets | 14.3686% | 995 |
| Core capital (leverage) ratio | 10.8021% | 2,787 |
| Tier 1 risk-based capital ratio | 14.0029% | 3,320 |
| Total risk-based capital ratio | 14.4851% | 3,627 |
| Memoranda: | ||
| Average total assets | $5,976,485,670 | 202 |
| Average earning assets | $5,277,864,000 | 201 |
| Average equity | $840,393,000 | 181 |
| Average total loans | $4,302,407,000 | 194 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,226 |
| Cost of funding earning assets | 0.5850% | 3,650 |
| Net interest margin | 4.1147% | 1,514 |
| Noninterest income to average assets | 1.0033% | 803 |
| Noninterest expense to average assets | 2.6324% | 3,114 |
| Loan and lease loss provision to assets | 0.0336% | 2,961 |
| Net operating income to assets | 1.5548% | 996 |
| Return on assets (ROA) | 1.5548% | 1,023 |
| Pretax return on assets | 1.9651% | 677 |
| Return on Equity (ROE) | 11.1800% | 1,878 |
| Retained earnings to average equity (ytd only) | 9.0078% | 1,319 |
| Net charge-offs to loans | 0.0415% | 1,680 |
| Credit loss provision to net charge-offs | 112.6126% | 1,476 |
| Earnings coverage of net charge-offs (x) | 67.0541% | 862 |
| Efficiency ratio | 54.4778% | 4,488 |
| Assets per employee ($millions) | 5.5980% | 1,887 |
| Cash dividends to net income (ytd only)* | 19.4301% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 5,090 |
| Loan loss allowance to noncurrent loans | 99.3407% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 2,866 |
| Noncurrent loans to loans | 0.4930% | 2,837 |
| Net loans and leases to total assets | 70.8333% | 2,355 |
| Net loans and leases to deposits | 89.2208% | 1,727 |
| Net loans and leases to core deposits | 100.1793% | 1,608 |
| Total domestic deposits to total assets | 79.3910% | 4,278 |
| Equity capital to assets | 13.8907% | 1,081 |
| Core capital (leverage) ratio | 10.6285% | 2,916 |
| Tier 1 risk-based capital ratio | 13.6536% | 3,518 |
| Total risk-based capital ratio | 14.1427% | 3,828 |
| Memoranda: | ||
| Average total assets | $5,958,381,500 | 201 |
| Average earning assets | $5,253,266,500 | 202 |
| Average equity | $828,619,500 | 183 |
| Average total loans | $4,280,751,000 | 195 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 2,199 |
| Cost of funding earning assets | 0.4214% | 3,848 |
| Net interest margin | 4.1568% | 1,510 |
| Noninterest income to average assets | 1.0901% | 781 |
| Noninterest expense to average assets | 2.7722% | 2,780 |
| Loan and lease loss provision to assets | -0.0630% | 5,221 |
| Net operating income to assets | 1.6248% | 825 |
| Return on assets (ROA) | 1.6248% | 817 |
| Pretax return on assets | 2.0647% | 478 |
| Return on Equity (ROE) | 11.8890% | 1,752 |
| Retained earnings to average equity (ytd only) | 9.8952% | 636 |
| Net charge-offs to loans | -0.0320% | 4,835 |
| Credit loss provision to net charge-offs | 269.8496% | 1,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5833% | 4,461 |
| Assets per employee ($millions) | 5.1360% | 2,343 |
| Cash dividends to net income (ytd only)* | 16.7702% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 5,129 |
| Loan loss allowance to noncurrent loans | 90.8459% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,503 |
| Noncurrent loans to loans | 0.5444% | 2,642 |
| Net loans and leases to total assets | 72.1688% | 2,229 |
| Net loans and leases to deposits | 90.7209% | 1,709 |
| Net loans and leases to core deposits | 101.6767% | 1,603 |
| Total domestic deposits to total assets | 79.5504% | 4,203 |
| Equity capital to assets | 13.9234% | 996 |
| Core capital (leverage) ratio | 10.4463% | 3,088 |
| Tier 1 risk-based capital ratio | 13.4432% | 3,582 |
| Total risk-based capital ratio | 13.9401% | 3,906 |
| Memoranda: | ||
| Average total assets | $5,697,607,400 | 200 |
| Average earning assets | $5,049,187,800 | 202 |
| Average equity | $778,663,800 | 182 |
| Average total loans | $4,157,266,400 | 195 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 2,183 |
| Cost of funding earning assets | 0.3894% | 3,940 |
| Net interest margin | 4.1426% | 1,514 |
| Noninterest income to average assets | 1.1232% | 739 |
| Noninterest expense to average assets | 2.8432% | 2,484 |
| Loan and lease loss provision to assets | -0.1009% | 5,350 |
| Net operating income to assets | 1.5996% | 964 |
| Return on assets (ROA) | 1.5996% | 969 |
| Pretax return on assets | 2.0439% | 559 |
| Return on Equity (ROE) | 11.7619% | 1,882 |
| Retained earnings to average equity (ytd only) | 9.7337% | 995 |
| Net charge-offs to loans | -0.0494% | 4,927 |
| Credit loss provision to net charge-offs | 279.8693% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9069% | 4,264 |
| Assets per employee ($millions) | 5.1558% | 2,269 |
| Cash dividends to net income (ytd only)* | 17.2432% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4895% | 5,200 |
| Loan loss allowance to noncurrent loans | 108.7435% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 2,930 |
| Noncurrent loans to loans | 0.4501% | 3,043 |
| Net loans and leases to total assets | 73.1144% | 2,145 |
| Net loans and leases to deposits | 92.1862% | 1,596 |
| Net loans and leases to core deposits | 103.4798% | 1,491 |
| Total domestic deposits to total assets | 79.3117% | 4,251 |
| Equity capital to assets | 13.9230% | 982 |
| Core capital (leverage) ratio | 10.3101% | 3,280 |
| Tier 1 risk-based capital ratio | 13.1515% | 3,811 |
| Total risk-based capital ratio | 13.6469% | 4,148 |
| Memoranda: | ||
| Average total assets | $5,655,688,750 | 203 |
| Average earning assets | $5,000,899,250 | 204 |
| Average equity | $769,167,750 | 182 |
| Average total loans | $4,133,096,750 | 196 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 2,090 |
| Cost of funding earning assets | 0.3575% | 4,025 |
| Net interest margin | 4.1407% | 1,443 |
| Noninterest income to average assets | 1.1410% | 742 |
| Noninterest expense to average assets | 2.8980% | 2,361 |
| Loan and lease loss provision to assets | -0.1550% | 5,454 |
| Net operating income to assets | 1.5974% | 923 |
| Return on assets (ROA) | 1.5974% | 927 |
| Pretax return on assets | 2.0486% | 545 |
| Return on Equity (ROE) | 11.8406% | 1,783 |
| Retained earnings to average equity (ytd only) | 9.8155% | 980 |
| Net charge-offs to loans | -0.2125% | 5,332 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9512% | 4,239 |
| Assets per employee ($millions) | 5.3052% | 2,098 |
| Cash dividends to net income (ytd only)* | 17.1035% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,176 |
| Loan loss allowance to noncurrent loans | 89.7561% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 2,425 |
| Noncurrent loans to loans | 0.6241% | 2,549 |
| Net loans and leases to total assets | 72.3173% | 2,225 |
| Net loans and leases to deposits | 90.6883% | 1,752 |
| Net loans and leases to core deposits | 101.0839% | 1,648 |
| Total domestic deposits to total assets | 79.7427% | 4,298 |
| Equity capital to assets | 13.5852% | 1,068 |
| Core capital (leverage) ratio | 10.0143% | 3,562 |
| Tier 1 risk-based capital ratio | 12.5726% | 4,139 |
| Total risk-based capital ratio | 13.1288% | 4,452 |
| Memoranda: | ||
| Average total assets | $5,636,709,000 | 199 |
| Average earning assets | $4,969,478,000 | 202 |
| Average equity | $760,433,670 | 182 |
| Average total loans | $4,111,695,000 | 195 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 1,984 |
| Cost of funding earning assets | 0.3248% | 4,173 |
| Net interest margin | 4.1377% | 1,341 |
| Noninterest income to average assets | 1.1435% | 711 |
| Noninterest expense to average assets | 3.0912% | 1,851 |
| Loan and lease loss provision to assets | -0.2616% | 5,563 |
| Net operating income to assets | 1.5309% | 1,006 |
| Return on assets (ROA) | 1.5309% | 1,012 |
| Pretax return on assets | 1.9621% | 627 |
| Return on Equity (ROE) | 11.3888% | 1,810 |
| Retained earnings to average equity (ytd only) | 9.6605% | 1,267 |
| Net charge-offs to loans | -0.3580% | 5,470 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0161% | 3,778 |
| Assets per employee ($millions) | 5.3191% | 2,123 |
| Cash dividends to net income (ytd only)* | 15.1756% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 5,244 |
| Loan loss allowance to noncurrent loans | 104.3210% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,530 |
| Noncurrent loans to loans | 0.5420% | 2,903 |
| Net loans and leases to total assets | 72.5947% | 2,078 |
| Net loans and leases to deposits | 91.0057% | 1,560 |
| Net loans and leases to core deposits | 100.8110% | 1,629 |
| Total domestic deposits to total assets | 79.7694% | 4,451 |
| Equity capital to assets | 13.4434% | 1,056 |
| Core capital (leverage) ratio | 9.8652% | 3,694 |
| Tier 1 risk-based capital ratio | 12.2060% | 4,430 |
| Total risk-based capital ratio | 12.7680% | 4,746 |
| Memoranda: | ||
| Average total assets | $5,595,546,000 | 201 |
| Average earning assets | $4,933,638,000 | 202 |
| Average equity | $752,180,000 | 184 |
| Average total loans | $4,087,967,000 | 195 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,040 |
| Cost of funding earning assets | 0.2678% | 4,416 |
| Net interest margin | 4.1265% | 1,357 |
| Noninterest income to average assets | 1.0880% | 858 |
| Noninterest expense to average assets | 3.1593% | 1,702 |
| Loan and lease loss provision to assets | 0.0159% | 3,974 |
| Net operating income to assets | 1.0593% | 2,024 |
| Return on assets (ROA) | 1.0545% | 2,066 |
| Pretax return on assets | 1.5691% | 1,385 |
| Return on Equity (ROE) | 8.5348% | 2,527 |
| Retained earnings to average equity (ytd only) | -0.8533% | 5,168 |
| Net charge-offs to loans | 0.0357% | 3,082 |
| Credit loss provision to net charge-offs | 59.9502% | 3,217 |
| Earnings coverage of net charge-offs (x) | 60.0182% | 956 |
| Efficiency ratio | 64.5280% | 3,528 |
| Assets per employee ($millions) | 4.8662% | 2,650 |
| Cash dividends to net income (ytd only)* | 109.9981% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5745% | 5,288 |
| Loan loss allowance to noncurrent loans | 108.0161% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 2,485 |
| Noncurrent loans to loans | 0.5318% | 2,909 |
| Net loans and leases to total assets | 72.6884% | 2,137 |
| Net loans and leases to deposits | 91.3636% | 1,605 |
| Net loans and leases to core deposits | 100.7306% | 1,658 |
| Total domestic deposits to total assets | 79.5595% | 4,433 |
| Equity capital to assets | 13.4416% | 1,084 |
| Core capital (leverage) ratio | 9.5653% | 3,953 |
| Tier 1 risk-based capital ratio | 11.9100% | 4,590 |
| Total risk-based capital ratio | 12.4759% | 4,904 |
| Memoranda: | ||
| Average total assets | $4,546,058,600 | 223 |
| Average earning assets | $4,036,027,000 | 232 |
| Average equity | $561,689,200 | 214 |
| Average total loans | $3,381,550,400 | 221 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,181 |
| Cost of funding earning assets | 0.2474% | 4,588 |
| Net interest margin | 4.0816% | 1,439 |
| Noninterest income to average assets | 1.0726% | 887 |
| Noninterest expense to average assets | 3.1184% | 1,754 |
| Loan and lease loss provision to assets | 0.0224% | 3,696 |
| Net operating income to assets | 1.0458% | 2,351 |
| Return on assets (ROA) | 1.0391% | 2,411 |
| Pretax return on assets | 1.5588% | 1,550 |
| Return on Equity (ROE) | 8.6553% | 2,783 |
| Retained earnings to average equity (ytd only) | 0.3607% | 5,137 |
| Net charge-offs to loans | -0.0037% | 4,404 |
| Credit loss provision to net charge-offs | -812.3596% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5589% | 3,442 |
| Assets per employee ($millions) | 4.5536% | 3,044 |
| Cash dividends to net income (ytd only)* | 95.8330% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7133% | 5,109 |
| Loan loss allowance to noncurrent loans | 103.3363% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 2,346 |
| Noncurrent loans to loans | 0.6903% | 2,637 |
| Net loans and leases to total assets | 74.5035% | 1,836 |
| Net loans and leases to deposits | 93.5171% | 1,351 |
| Net loans and leases to core deposits | 103.7110% | 1,407 |
| Total domestic deposits to total assets | 79.6683% | 4,401 |
| Equity capital to assets | 12.2474% | 1,810 |
| Core capital (leverage) ratio | 9.6419% | 3,996 |
| Tier 1 risk-based capital ratio | 11.6354% | 4,860 |
| Total risk-based capital ratio | 12.3365% | 5,089 |
| Memoranda: | ||
| Average total assets | $4,295,700,750 | 241 |
| Average earning assets | $3,827,847,500 | 242 |
| Average equity | $515,694,250 | 223 |
| Average total loans | $3,213,018,250 | 228 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,349 |
| Cost of funding earning assets | 0.2264% | 4,748 |
| Net interest margin | 4.0061% | 1,585 |
| Noninterest income to average assets | 1.0530% | 916 |
| Noninterest expense to average assets | 3.1640% | 1,674 |
| Loan and lease loss provision to assets | 0.0345% | 3,305 |
| Net operating income to assets | 0.9547% | 2,635 |
| Return on assets (ROA) | 0.9444% | 2,754 |
| Pretax return on assets | 1.4161% | 1,946 |
| Return on Equity (ROE) | 7.9249% | 3,074 |
| Retained earnings to average equity (ytd only) | -4.0074% | 5,490 |
| Net charge-offs to loans | 0.0306% | 2,596 |
| Credit loss provision to net charge-offs | 150.9395% | 1,513 |
| Earnings coverage of net charge-offs (x) | 64.2150% | 904 |
| Efficiency ratio | 66.6814% | 3,231 |
| Assets per employee ($millions) | 4.5039% | 3,099 |
| Cash dividends to net income (ytd only)* | 150.5678% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7088% | 5,188 |
| Loan loss allowance to noncurrent loans | 103.4446% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 2,310 |
| Noncurrent loans to loans | 0.6852% | 2,700 |
| Net loans and leases to total assets | 74.2782% | 1,814 |
| Net loans and leases to deposits | 92.1421% | 1,471 |
| Net loans and leases to core deposits | 100.8815% | 1,591 |
| Total domestic deposits to total assets | 80.6127% | 4,281 |
| Equity capital to assets | 12.1513% | 1,829 |
| Core capital (leverage) ratio | 9.6794% | 3,921 |
| Tier 1 risk-based capital ratio | 11.7978% | 4,759 |
| Total risk-based capital ratio | 12.5011% | 5,002 |
| Memoranda: | ||
| Average total assets | $4,196,074,670 | 243 |
| Average earning assets | $3,746,699,330 | 246 |
| Average equity | $500,020,000 | 231 |
| Average total loans | $3,134,785,670 | 232 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 2,850 |
| Cost of funding earning assets | 0.2003% | 4,972 |
| Net interest margin | 3.8504% | 1,952 |
| Noninterest income to average assets | 1.0066% | 991 |
| Noninterest expense to average assets | 3.1518% | 1,736 |
| Loan and lease loss provision to assets | 0.0718% | 2,369 |
| Net operating income to assets | 0.8169% | 3,144 |
| Return on assets (ROA) | 0.7953% | 3,298 |
| Pretax return on assets | 1.1924% | 2,624 |
| Return on Equity (ROE) | 6.7488% | 3,520 |
| Retained earnings to average equity (ytd only) | -16.4904% | 5,685 |
| Net charge-offs to loans | 0.1274% | 1,157 |
| Credit loss provision to net charge-offs | 75.4697% | 1,787 |
| Earnings coverage of net charge-offs (x) | 13.6294% | 1,771 |
| Efficiency ratio | 69.5699% | 2,960 |
| Assets per employee ($millions) | 4.4038% | 3,325 |
| Cash dividends to net income (ytd only)* | 344.3446% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 5,277 |
| Loan loss allowance to noncurrent loans | 85.8466% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 2,045 |
| Noncurrent loans to loans | 0.8308% | 2,378 |
| Net loans and leases to total assets | 73.7699% | 1,781 |
| Net loans and leases to deposits | 90.1296% | 1,517 |
| Net loans and leases to core deposits | 98.7087% | 1,607 |
| Total domestic deposits to total assets | 81.8487% | 4,208 |
| Equity capital to assets | 12.1355% | 1,748 |
| Core capital (leverage) ratio | 10.8532% | 2,536 |
| Tier 1 risk-based capital ratio | 11.7257% | 4,896 |
| Total risk-based capital ratio | 12.4343% | 5,107 |
| Memoranda: | ||
| Average total assets | $4,028,668,000 | 253 |
| Average earning assets | $3,600,974,000 | 256 |
| Average equity | $474,750,000 | 240 |
| Average total loans | $3,007,435,000 | 239 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 2,540 |
| Cost of funding earning assets | 0.2041% | 4,976 |
| Net interest margin | 3.9796% | 1,697 |
| Noninterest income to average assets | 0.7444% | 1,977 |
| Noninterest expense to average assets | 3.0314% | 2,251 |
| Loan and lease loss provision to assets | -0.0007% | 5,453 |
| Net operating income to assets | 0.8502% | 3,066 |
| Return on assets (ROA) | 0.8502% | 3,178 |
| Pretax return on assets | 1.3026% | 2,273 |
| Return on Equity (ROE) | 7.3850% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.1332% | 2,256 |
| Net charge-offs to loans | 0.1430% | 1,830 |
| Credit loss provision to net charge-offs | -0.6168% | 4,718 |
| Earnings coverage of net charge-offs (x) | 12.1209% | 2,482 |
| Efficiency ratio | 69.1499% | 3,048 |
| Assets per employee ($millions) | 4.3698% | 3,331 |
| Cash dividends to net income (ytd only)* | 30.4909% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,872 |
| Loan loss allowance to noncurrent loans | 86.5771% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 1,852 |
| Noncurrent loans to loans | 1.0123% | 2,064 |
| Net loans and leases to total assets | 74.4244% | 1,778 |
| Net loans and leases to deposits | 91.0940% | 1,563 |
| Net loans and leases to core deposits | 100.6738% | 1,564 |
| Total domestic deposits to total assets | 81.7006% | 4,148 |
| Equity capital to assets | 11.3524% | 2,292 |
| Core capital (leverage) ratio | 10.0953% | 3,377 |
| Tier 1 risk-based capital ratio | 12.4031% | 4,440 |
| Total risk-based capital ratio | 13.2693% | 4,598 |
| Memoranda: | ||
| Average total assets | $3,471,629,800 | 271 |
| Average earning assets | $3,130,818,000 | 275 |
| Average equity | $399,691,000 | 257 |
| Average total loans | $2,607,829,400 | 255 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 2,507 |
| Cost of funding earning assets | 0.2030% | 5,042 |
| Net interest margin | 3.9983% | 1,656 |
| Noninterest income to average assets | 0.6318% | 2,510 |
| Noninterest expense to average assets | 3.0034% | 2,315 |
| Loan and lease loss provision to assets | -0.0009% | 5,621 |
| Net operating income to assets | 0.8019% | 3,356 |
| Return on assets (ROA) | 0.8019% | 3,500 |
| Pretax return on assets | 1.2369% | 2,669 |
| Return on Equity (ROE) | 6.9400% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.6734% | 3,041 |
| Net charge-offs to loans | 0.1516% | 1,480 |
| Credit loss provision to net charge-offs | -0.7836% | 4,589 |
| Earnings coverage of net charge-offs (x) | 10.8531% | 2,542 |
| Efficiency ratio | 70.0813% | 2,873 |
| Assets per employee ($millions) | 4.2657% | 3,473 |
| Cash dividends to net income (ytd only)* | 32.6608% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,781 |
| Loan loss allowance to noncurrent loans | 74.9329% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 1,636 |
| Noncurrent loans to loans | 1.2348% | 1,817 |
| Net loans and leases to total assets | 74.4137% | 1,805 |
| Net loans and leases to deposits | 90.2451% | 1,722 |
| Net loans and leases to core deposits | 100.6349% | 1,576 |
| Total domestic deposits to total assets | 82.4573% | 3,794 |
| Equity capital to assets | 11.5106% | 2,504 |
| Core capital (leverage) ratio | 10.1551% | 3,375 |
| Tier 1 risk-based capital ratio | 12.4927% | 4,486 |
| Total risk-based capital ratio | 13.4105% | 4,595 |
| Memoranda: | ||
| Average total assets | $3,436,072,750 | 267 |
| Average earning assets | $3,100,355,500 | 272 |
| Average equity | $397,048,500 | 258 |
| Average total loans | $2,581,443,500 | 254 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 2,303 |
| Cost of funding earning assets | 0.2035% | 5,108 |
| Net interest margin | 4.0560% | 1,493 |
| Noninterest income to average assets | 0.6490% | 2,373 |
| Noninterest expense to average assets | 2.9470% | 2,527 |
| Loan and lease loss provision to assets | -0.0014% | 5,740 |
| Net operating income to assets | 0.9075% | 2,824 |
| Return on assets (ROA) | 0.9075% | 2,958 |
| Pretax return on assets | 1.3660% | 2,144 |
| Return on Equity (ROE) | 7.8432% | 3,065 |
| Retained earnings to average equity (ytd only) | 5.5573% | 2,390 |
| Net charge-offs to loans | 0.1985% | 1,153 |
| Credit loss provision to net charge-offs | -0.9066% | 4,432 |
| Earnings coverage of net charge-offs (x) | 9.1514% | 2,443 |
| Efficiency ratio | 67.7409% | 3,391 |
| Assets per employee ($millions) | 4.1053% | 3,732 |
| Cash dividends to net income (ytd only)* | 29.1451% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,528 |
| Loan loss allowance to noncurrent loans | 68.5267% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4021% | 1,406 |
| Noncurrent loans to loans | 1.4589% | 1,515 |
| Net loans and leases to total assets | 74.3716% | 1,761 |
| Net loans and leases to deposits | 89.5635% | 1,805 |
| Net loans and leases to core deposits | 98.0329% | 1,803 |
| Total domestic deposits to total assets | 83.0379% | 3,639 |
| Equity capital to assets | 11.6527% | 2,402 |
| Core capital (leverage) ratio | 10.3040% | 3,193 |
| Tier 1 risk-based capital ratio | 12.9847% | 4,209 |
| Total risk-based capital ratio | 13.9984% | 4,255 |
| Memoranda: | ||
| Average total assets | $3,402,668,670 | 270 |
| Average earning assets | $3,072,690,670 | 272 |
| Average equity | $393,715,000 | 261 |
| Average total loans | $2,556,573,330 | 256 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,424 |
| Cost of funding earning assets | 0.2079% | 5,126 |
| Net interest margin | 4.0038% | 1,602 |
| Noninterest income to average assets | 0.6046% | 2,503 |
| Noninterest expense to average assets | 2.8707% | 2,807 |
| Loan and lease loss provision to assets | 0.0306% | 3,254 |
| Net operating income to assets | 0.8847% | 2,831 |
| Return on assets (ROA) | 0.8847% | 2,957 |
| Pretax return on assets | 1.3193% | 2,227 |
| Return on Equity (ROE) | 7.6739% | 3,099 |
| Retained earnings to average equity (ytd only) | 5.3584% | 2,737 |
| Net charge-offs to loans | 0.3463% | 644 |
| Credit loss provision to net charge-offs | 11.7647% | 2,352 |
| Earnings coverage of net charge-offs (x) | 5.1883% | 2,352 |
| Efficiency ratio | 67.4940% | 3,545 |
| Assets per employee ($millions) | 4.1547% | 3,667 |
| Cash dividends to net income (ytd only)* | 30.1730% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 4,346 |
| Loan loss allowance to noncurrent loans | 64.3501% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 1,323 |
| Noncurrent loans to loans | 1.6284% | 1,411 |
| Net loans and leases to total assets | 74.4079% | 1,659 |
| Net loans and leases to deposits | 88.8756% | 1,716 |
| Net loans and leases to core deposits | 96.4209% | 1,755 |
| Total domestic deposits to total assets | 83.7214% | 3,630 |
| Equity capital to assets | 11.6048% | 2,345 |
| Core capital (leverage) ratio | 10.3323% | 3,152 |
| Tier 1 risk-based capital ratio | 13.3218% | 4,084 |
| Total risk-based capital ratio | 14.3905% | 4,092 |
| Memoranda: | ||
| Average total assets | $3,371,550,000 | 272 |
| Average earning assets | $3,045,027,500 | 271 |
| Average equity | $388,695,500 | 263 |
| Average total loans | $2,533,395,500 | 257 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,101 |
| Cost of funding earning assets | 0.2012% | 5,277 |
| Net interest margin | 4.1360% | 1,321 |
| Noninterest income to average assets | 0.5838% | 2,810 |
| Noninterest expense to average assets | 2.9517% | 2,697 |
| Loan and lease loss provision to assets | -0.0240% | 5,674 |
| Net operating income to assets | 0.8958% | 2,896 |
| Return on assets (ROA) | 0.8958% | 2,976 |
| Pretax return on assets | 1.3650% | 2,052 |
| Return on Equity (ROE) | 7.0330% | 3,497 |
| Retained earnings to average equity (ytd only) | -10.4458% | 6,043 |
| Net charge-offs to loans | 0.4603% | 595 |
| Credit loss provision to net charge-offs | -6.9253% | 4,938 |
| Earnings coverage of net charge-offs (x) | 3.8772% | 3,646 |
| Efficiency ratio | 68.2441% | 3,520 |
| Assets per employee ($millions) | 4.1394% | 3,681 |
| Cash dividends to net income (ytd only)* | 248.5260% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,852 |
| Loan loss allowance to noncurrent loans | 59.7846% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 1,126 |
| Noncurrent loans to loans | 1.8944% | 1,131 |
| Net loans and leases to total assets | 74.2342% | 1,690 |
| Net loans and leases to deposits | 88.6157% | 1,795 |
| Net loans and leases to core deposits | 96.5955% | 1,788 |
| Total domestic deposits to total assets | 83.7709% | 3,574 |
| Equity capital to assets | 11.4521% | 2,397 |
| Core capital (leverage) ratio | 10.3190% | 3,136 |
| Tier 1 risk-based capital ratio | 13.2199% | 4,156 |
| Total risk-based capital ratio | 14.3552% | 4,161 |
| Memoranda: | ||
| Average total assets | $3,256,443,200 | 261 |
| Average earning assets | $2,920,133,200 | 266 |
| Average equity | $414,789,800 | 238 |
| Average total loans | $2,447,046,000 | 248 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 2,008 |
| Cost of funding earning assets | 0.2022% | 5,353 |
| Net interest margin | 4.1691% | 1,236 |
| Noninterest income to average assets | 0.5458% | 3,071 |
| Noninterest expense to average assets | 2.9327% | 2,730 |
| Loan and lease loss provision to assets | -0.0304% | 5,875 |
| Net operating income to assets | 0.9030% | 2,952 |
| Return on assets (ROA) | 0.9030% | 3,033 |
| Pretax return on assets | 1.3772% | 2,112 |
| Return on Equity (ROE) | 6.9078% | 3,676 |
| Retained earnings to average equity (ytd only) | -5.3278% | 6,029 |
| Net charge-offs to loans | 0.5400% | 428 |
| Credit loss provision to net charge-offs | -7.4944% | 4,843 |
| Earnings coverage of net charge-offs (x) | 3.3179% | 3,516 |
| Efficiency ratio | 68.0086% | 3,537 |
| Assets per employee ($millions) | 4.0647% | 3,772 |
| Cash dividends to net income (ytd only)* | 177.1267% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,597 |
| Loan loss allowance to noncurrent loans | 62.9820% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.7907% | 1,201 |
| Noncurrent loans to loans | 1.9198% | 1,206 |
| Net loans and leases to total assets | 75.0465% | 1,538 |
| Net loans and leases to deposits | 90.5339% | 1,579 |
| Net loans and leases to core deposits | 97.9043% | 1,703 |
| Total domestic deposits to total assets | 82.8933% | 3,848 |
| Equity capital to assets | 12.6546% | 1,650 |
| Core capital (leverage) ratio | 11.2552% | 2,242 |
| Tier 1 risk-based capital ratio | 14.6838% | 3,448 |
| Total risk-based capital ratio | 15.9144% | 3,397 |
| Memoranda: | ||
| Average total assets | $3,230,260,000 | 268 |
| Average earning assets | $2,892,897,250 | 273 |
| Average equity | $422,255,750 | 240 |
| Average total loans | $2,427,876,000 | 252 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 1,946 |
| Cost of funding earning assets | 0.2024% | 5,414 |
| Net interest margin | 4.1674% | 1,179 |
| Noninterest income to average assets | 0.6003% | 2,738 |
| Noninterest expense to average assets | 2.9133% | 2,850 |
| Loan and lease loss provision to assets | 0.0421% | 3,269 |
| Net operating income to assets | 0.8951% | 2,902 |
| Return on assets (ROA) | 0.8951% | 3,032 |
| Pretax return on assets | 1.3641% | 2,130 |
| Return on Equity (ROE) | 6.7739% | 3,746 |
| Retained earnings to average equity (ytd only) | -10.4032% | 6,183 |
| Net charge-offs to loans | 0.7650% | 292 |
| Credit loss provision to net charge-offs | 7.3483% | 3,116 |
| Earnings coverage of net charge-offs (x) | 2.4546% | 3,338 |
| Efficiency ratio | 66.9272% | 3,849 |
| Assets per employee ($millions) | 3.9854% | 3,912 |
| Cash dividends to net income (ytd only)* | 253.5779% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,101 |
| Loan loss allowance to noncurrent loans | 62.3095% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.9737% | 1,125 |
| Noncurrent loans to loans | 2.1295% | 1,127 |
| Net loans and leases to total assets | 74.2898% | 1,616 |
| Net loans and leases to deposits | 89.7323% | 1,633 |
| Net loans and leases to core deposits | 97.4858% | 1,691 |
| Total domestic deposits to total assets | 82.7905% | 4,035 |
| Equity capital to assets | 12.7119% | 1,538 |
| Core capital (leverage) ratio | 11.2347% | 2,218 |
| Tier 1 risk-based capital ratio | 14.9001% | 3,414 |
| Total risk-based capital ratio | 16.1514% | 3,345 |
| Memoranda: | ||
| Average total assets | $3,216,313,330 | 268 |
| Average earning assets | $2,870,479,330 | 274 |
| Average equity | $424,983,670 | 240 |
| Average total loans | $2,408,617,330 | 255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 1,829 |
| Cost of funding earning assets | 0.2097% | 5,423 |
| Net interest margin | 4.1728% | 1,123 |
| Noninterest income to average assets | 0.5702% | 2,830 |
| Noninterest expense to average assets | 2.8616% | 3,031 |
| Loan and lease loss provision to assets | -0.0204% | 6,121 |
| Net operating income to assets | 0.9492% | 2,516 |
| Return on assets (ROA) | 0.9492% | 2,648 |
| Pretax return on assets | 1.4517% | 1,719 |
| Return on Equity (ROE) | 7.0500% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.9729% | 3,069 |
| Net charge-offs to loans | 0.7432% | 318 |
| Credit loss provision to net charge-offs | -3.6722% | 4,288 |
| Earnings coverage of net charge-offs (x) | 2.5786% | 2,732 |
| Efficiency ratio | 66.1378% | 4,135 |
| Assets per employee ($millions) | 4.0287% | 3,902 |
| Cash dividends to net income (ytd only)* | 29.4618% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 2,455 |
| Loan loss allowance to noncurrent loans | 64.2648% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.0829% | 1,115 |
| Noncurrent loans to loans | 2.3296% | 1,059 |
| Net loans and leases to total assets | 73.5773% | 1,561 |
| Net loans and leases to deposits | 87.7543% | 1,638 |
| Net loans and leases to core deposits | 96.2734% | 1,596 |
| Total domestic deposits to total assets | 83.8447% | 3,875 |
| Equity capital to assets | 13.5504% | 1,152 |
| Core capital (leverage) ratio | 12.1081% | 1,571 |
| Tier 1 risk-based capital ratio | 16.3185% | 2,775 |
| Total risk-based capital ratio | 17.5721% | 2,711 |
| Memoranda: | ||
| Average total assets | $3,218,342,000 | 265 |
| Average earning assets | $2,871,191,500 | 272 |
| Average equity | $433,305,500 | 239 |
| Average total loans | $2,403,691,500 | 254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 942 |
| Cost of funding earning assets | 0.2523% | 5,301 |
| Net interest margin | 4.6362% | 580 |
| Noninterest income to average assets | 0.4280% | 3,985 |
| Noninterest expense to average assets | 2.9333% | 3,045 |
| Loan and lease loss provision to assets | 0.3151% | 638 |
| Net operating income to assets | 0.8293% | 3,228 |
| Return on assets (ROA) | 0.8451% | 3,237 |
| Pretax return on assets | 1.3025% | 2,234 |
| Return on Equity (ROE) | 6.4667% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.3381% | 3,099 |
| Net charge-offs to loans | 0.7408% | 489 |
| Credit loss provision to net charge-offs | 56.4070% | 3,351 |
| Earnings coverage of net charge-offs (x) | 2.8524% | 4,047 |
| Efficiency ratio | 64.2702% | 4,552 |
| Assets per employee ($millions) | 4.0323% | 3,882 |
| Cash dividends to net income (ytd only)* | 32.9152% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 1,797 |
| Loan loss allowance to noncurrent loans | 67.0684% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.2592% | 1,072 |
| Noncurrent loans to loans | 2.5208% | 1,007 |
| Net loans and leases to total assets | 73.4164% | 1,684 |
| Net loans and leases to deposits | 87.4560% | 1,797 |
| Net loans and leases to core deposits | 96.9463% | 1,642 |
| Total domestic deposits to total assets | 83.9468% | 3,737 |
| Equity capital to assets | 13.3768% | 1,203 |
| Core capital (leverage) ratio | 11.5481% | 1,946 |
| Tier 1 risk-based capital ratio | 16.2590% | 2,829 |
| Total risk-based capital ratio | 17.5160% | 2,776 |
| Memoranda: | ||
| Average total assets | $3,235,568,800 | 255 |
| Average earning assets | $2,860,428,800 | 258 |
| Average equity | $422,830,200 | 230 |
| Average total loans | $2,439,831,400 | 235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 782 |
| Cost of funding earning assets | 0.2597% | 5,306 |
| Net interest margin | 4.7325% | 474 |
| Noninterest income to average assets | 0.3829% | 4,375 |
| Noninterest expense to average assets | 2.9906% | 2,832 |
| Loan and lease loss provision to assets | 0.3588% | 487 |
| Net operating income to assets | 0.7840% | 3,492 |
| Return on assets (ROA) | 0.8049% | 3,503 |
| Pretax return on assets | 1.2400% | 2,612 |
| Return on Equity (ROE) | 6.1957% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.0576% | 3,761 |
| Net charge-offs to loans | 0.7128% | 487 |
| Credit loss provision to net charge-offs | 66.5928% | 2,824 |
| Earnings coverage of net charge-offs (x) | 2.9077% | 3,794 |
| Efficiency ratio | 65.0976% | 4,355 |
| Assets per employee ($millions) | 3.8963% | 4,097 |
| Cash dividends to net income (ytd only)* | 34.5092% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 1,664 |
| Loan loss allowance to noncurrent loans | 68.8493% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.4739% | 1,078 |
| Noncurrent loans to loans | 2.6348% | 1,088 |
| Net loans and leases to total assets | 74.7613% | 1,402 |
| Net loans and leases to deposits | 88.9964% | 1,556 |
| Net loans and leases to core deposits | 99.5014% | 1,415 |
| Total domestic deposits to total assets | 84.0048% | 3,765 |
| Equity capital to assets | 13.3772% | 1,246 |
| Core capital (leverage) ratio | 11.3204% | 2,199 |
| Tier 1 risk-based capital ratio | 15.8071% | 3,156 |
| Total risk-based capital ratio | 17.0658% | 3,093 |
| Memoranda: | ||
| Average total assets | $3,240,017,500 | 252 |
| Average earning assets | $2,857,824,250 | 253 |
| Average equity | $420,928,750 | 227 |
| Average total loans | $2,449,039,000 | 230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 560 |
| Cost of funding earning assets | 0.2649% | 5,336 |
| Net interest margin | 4.8820% | 354 |
| Noninterest income to average assets | 0.2844% | 5,144 |
| Noninterest expense to average assets | 2.8950% | 3,181 |
| Loan and lease loss provision to assets | 0.4445% | 366 |
| Net operating income to assets | 0.7999% | 3,336 |
| Return on assets (ROA) | 0.8312% | 3,266 |
| Pretax return on assets | 1.2843% | 2,319 |
| Return on Equity (ROE) | 6.4608% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.3116% | 3,424 |
| Net charge-offs to loans | 0.8102% | 470 |
| Credit loss provision to net charge-offs | 72.7547% | 2,419 |
| Earnings coverage of net charge-offs (x) | 2.7510% | 3,475 |
| Efficiency ratio | 62.7483% | 4,901 |
| Assets per employee ($millions) | 3.8746% | 4,121 |
| Cash dividends to net income (ytd only)* | 33.2643% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 1,633 |
| Loan loss allowance to noncurrent loans | 66.8838% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.6866% | 997 |
| Noncurrent loans to loans | 2.8049% | 1,072 |
| Net loans and leases to total assets | 73.3352% | 1,529 |
| Net loans and leases to deposits | 86.7847% | 1,739 |
| Net loans and leases to core deposits | 98.3886% | 1,414 |
| Total domestic deposits to total assets | 84.5025% | 3,722 |
| Equity capital to assets | 12.9712% | 1,386 |
| Core capital (leverage) ratio | 11.0801% | 2,354 |
| Tier 1 risk-based capital ratio | 15.7812% | 3,204 |
| Total risk-based capital ratio | 17.0410% | 3,136 |
| Memoranda: | ||
| Average total assets | $3,255,037,000 | 251 |
| Average earning assets | $2,861,167,000 | 252 |
| Average equity | $418,773,330 | 226 |
| Average total loans | $2,454,477,670 | 226 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 421 |
| Cost of funding earning assets | 0.2655% | 5,437 |
| Net interest margin | 5.0206% | 261 |
| Noninterest income to average assets | 0.0417% | 6,504 |
| Noninterest expense to average assets | 2.8372% | 3,426 |
| Loan and lease loss provision to assets | 0.4401% | 362 |
| Net operating income to assets | 0.7621% | 3,346 |
| Return on assets (ROA) | 0.7621% | 3,432 |
| Pretax return on assets | 1.1693% | 2,619 |
| Return on Equity (ROE) | 5.9483% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.7865% | 3,856 |
| Net charge-offs to loans | 0.6425% | 573 |
| Credit loss provision to net charge-offs | 90.4376% | 1,796 |
| Earnings coverage of net charge-offs (x) | 3.3074% | 2,703 |
| Efficiency ratio | 63.2689% | 4,962 |
| Assets per employee ($millions) | 3.8807% | 4,174 |
| Cash dividends to net income (ytd only)* | 36.3431% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9623% | 1,593 |
| Loan loss allowance to noncurrent loans | 63.2293% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.2394% | 832 |
| Noncurrent loans to loans | 3.1034% | 1,011 |
| Net loans and leases to total assets | 72.5531% | 1,487 |
| Net loans and leases to deposits | 86.1259% | 1,594 |
| Net loans and leases to core deposits | 98.1039% | 1,231 |
| Total domestic deposits to total assets | 84.2408% | 4,192 |
| Equity capital to assets | 12.6256% | 1,508 |
| Core capital (leverage) ratio | 11.1921% | 2,230 |
| Tier 1 risk-based capital ratio | 15.4618% | 3,461 |
| Total risk-based capital ratio | 16.7228% | 3,416 |
| Memoranda: | ||
| Average total assets | $3,249,406,500 | 248 |
| Average earning assets | $2,850,902,500 | 251 |
| Average equity | $416,321,500 | 229 |
| Average total loans | $2,461,145,000 | 227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 497 |
| Cost of funding earning assets | 0.3602% | 5,050 |
| Net interest margin | 4.9749% | 321 |
| Noninterest income to average assets | 0.7098% | 2,488 |
| Noninterest expense to average assets | 2.9343% | 3,263 |
| Loan and lease loss provision to assets | 0.9491% | 195 |
| Net operating income to assets | 0.6901% | 3,838 |
| Return on assets (ROA) | 0.7007% | 3,875 |
| Pretax return on assets | 1.1070% | 2,927 |
| Return on Equity (ROE) | 5.5873% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.9916% | 4,114 |
| Net charge-offs to loans | 1.1716% | 459 |
| Credit loss provision to net charge-offs | 107.3756% | 2,232 |
| Earnings coverage of net charge-offs (x) | 2.3074% | 4,240 |
| Efficiency ratio | 58.4588% | 5,682 |
| Assets per employee ($millions) | 3.6860% | 4,512 |
| Cash dividends to net income (ytd only)* | 46.4561% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 1,638 |
| Loan loss allowance to noncurrent loans | 61.2785% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.6394% | 781 |
| Noncurrent loans to loans | 3.2051% | 1,048 |
| Net loans and leases to total assets | 76.0249% | 1,070 |
| Net loans and leases to deposits | 87.8342% | 1,481 |
| Net loans and leases to core deposits | 98.8908% | 1,242 |
| Total domestic deposits to total assets | 86.5551% | 2,967 |
| Equity capital to assets | 13.0064% | 1,270 |
| Core capital (leverage) ratio | 11.0961% | 2,297 |
| Tier 1 risk-based capital ratio | 15.4239% | 3,422 |
| Total risk-based capital ratio | 16.6854% | 3,362 |
| Memoranda: | ||
| Average total assets | $3,225,798,200 | 238 |
| Average earning assets | $2,764,867,400 | 246 |
| Average equity | $404,527,200 | 228 |
| Average total loans | $2,433,576,800 | 211 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 524 |
| Cost of funding earning assets | 0.3816% | 4,987 |
| Net interest margin | 4.9267% | 355 |
| Noninterest income to average assets | 0.6815% | 2,729 |
| Noninterest expense to average assets | 2.9304% | 3,210 |
| Loan and lease loss provision to assets | 0.8949% | 198 |
| Net operating income to assets | 0.6638% | 4,049 |
| Return on assets (ROA) | 0.6785% | 4,105 |
| Pretax return on assets | 1.0826% | 3,182 |
| Return on Equity (ROE) | 5.4608% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.8081% | 4,638 |
| Net charge-offs to loans | 1.1235% | 500 |
| Credit loss provision to net charge-offs | 106.3090% | 2,205 |
| Earnings coverage of net charge-offs (x) | 2.3218% | 4,064 |
| Efficiency ratio | 59.4513% | 5,504 |
| Assets per employee ($millions) | 3.6250% | 4,610 |
| Cash dividends to net income (ytd only)* | 48.5761% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9500% | 1,852 |
| Loan loss allowance to noncurrent loans | 54.2288% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.1690% | 744 |
| Noncurrent loans to loans | 3.5958% | 1,049 |
| Net loans and leases to total assets | 75.6039% | 1,054 |
| Net loans and leases to deposits | 87.3322% | 1,452 |
| Net loans and leases to core deposits | 97.2248% | 1,294 |
| Total domestic deposits to total assets | 86.5704% | 2,923 |
| Equity capital to assets | 12.7778% | 1,436 |
| Core capital (leverage) ratio | 10.8835% | 2,583 |
| Tier 1 risk-based capital ratio | 15.2426% | 3,596 |
| Total risk-based capital ratio | 16.5035% | 3,546 |
| Memoranda: | ||
| Average total assets | $3,236,079,500 | 233 |
| Average earning assets | $2,760,911,000 | 244 |
| Average equity | $402,106,000 | 227 |
| Average total loans | $2,424,558,250 | 207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 522 |
| Cost of funding earning assets | 0.4005% | 4,941 |
| Net interest margin | 4.9022% | 367 |
| Noninterest income to average assets | 0.7033% | 2,618 |
| Noninterest expense to average assets | 2.9401% | 3,200 |
| Loan and lease loss provision to assets | 1.0278% | 177 |
| Net operating income to assets | 0.5919% | 4,331 |
| Return on assets (ROA) | 0.5922% | 4,514 |
| Pretax return on assets | 0.9130% | 3,859 |
| Return on Equity (ROE) | 4.8099% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.0671% | 4,963 |
| Net charge-offs to loans | 1.1163% | 534 |
| Credit loss provision to net charge-offs | 124.0643% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.3422% | 3,736 |
| Efficiency ratio | 59.7152% | 5,519 |
| Assets per employee ($millions) | 3.6940% | 4,412 |
| Cash dividends to net income (ytd only)* | 57.0244% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 1,767 |
| Loan loss allowance to noncurrent loans | 54.2719% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 4.2781% | 782 |
| Noncurrent loans to loans | 3.7571% | 1,085 |
| Net loans and leases to total assets | 73.4599% | 1,332 |
| Net loans and leases to deposits | 84.4830% | 1,737 |
| Net loans and leases to core deposits | 94.9851% | 1,444 |
| Total domestic deposits to total assets | 86.9523% | 2,845 |
| Equity capital to assets | 12.4075% | 1,636 |
| Core capital (leverage) ratio | 10.5635% | 2,807 |
| Tier 1 risk-based capital ratio | 15.2123% | 3,643 |
| Total risk-based capital ratio | 16.4747% | 3,599 |
| Memoranda: | ||
| Average total assets | $3,257,490,000 | 231 |
| Average earning assets | $2,775,660,000 | 241 |
| Average equity | $401,044,000 | 229 |
| Average total loans | $2,417,500,330 | 206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 809 |
| Cost of funding earning assets | 0.4197% | 4,913 |
| Net interest margin | 4.6378% | 533 |
| Noninterest income to average assets | 0.8690% | 1,870 |
| Noninterest expense to average assets | 2.7710% | 3,799 |
| Loan and lease loss provision to assets | 1.3668% | 109 |
| Net operating income to assets | 0.4483% | 4,919 |
| Return on assets (ROA) | 0.4483% | 5,080 |
| Pretax return on assets | 0.6759% | 4,674 |
| Return on Equity (ROE) | 3.6558% | 5,267 |
| Retained earnings to average equity (ytd only) | 0.9067% | 5,484 |
| Net charge-offs to loans | 1.2889% | 435 |
| Credit loss provision to net charge-offs | 143.6357% | 1,410 |
| Earnings coverage of net charge-offs (x) | 2.1466% | 3,115 |
| Efficiency ratio | 57.0574% | 5,953 |
| Assets per employee ($millions) | 3.8323% | 4,290 |
| Cash dividends to net income (ytd only)* | 75.1982% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 1,861 |
| Loan loss allowance to noncurrent loans | 55.2364% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 4.2802% | 887 |
| Noncurrent loans to loans | 3.7535% | 1,240 |
| Net loans and leases to total assets | 71.6870% | 1,402 |
| Net loans and leases to deposits | 82.1665% | 1,805 |
| Net loans and leases to core deposits | 92.8818% | 1,423 |
| Total domestic deposits to total assets | 87.2461% | 2,797 |
| Equity capital to assets | 12.2107% | 1,903 |
| Core capital (leverage) ratio | 10.5030% | 2,770 |
| Tier 1 risk-based capital ratio | 15.4853% | 3,534 |
| Total risk-based capital ratio | 16.7486% | 3,486 |
| Memoranda: | ||
| Average total assets | $3,262,705,500 | 234 |
| Average earning assets | $2,775,119,000 | 245 |
| Average equity | $400,127,000 | 233 |
| Average total loans | $2,408,783,000 | 210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 666 |
| Cost of funding earning assets | 0.5810% | 4,525 |
| Net interest margin | 4.8861% | 458 |
| Noninterest income to average assets | 0.0229% | 6,771 |
| Noninterest expense to average assets | 2.8890% | 3,682 |
| Loan and lease loss provision to assets | 2.4115% | 65 |
| Net operating income to assets | -0.6629% | 6,635 |
| Return on assets (ROA) | -0.6505% | 6,661 |
| Pretax return on assets | -1.1325% | 6,769 |
| Return on Equity (ROE) | -5.5411% | 6,612 |
| Retained earnings to average equity (ytd only) | -8.1192% | 6,577 |
| Net charge-offs to loans | 3.0644% | 157 |
| Credit loss provision to net charge-offs | 106.6731% | 2,782 |
| Earnings coverage of net charge-offs (x) | 0.5572% | 5,210 |
| Efficiency ratio | 68.9819% | 3,976 |
| Assets per employee ($millions) | 3.9049% | 4,144 |
| Cash dividends to net income (ytd only)* | -46.5268% | 7,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 2,230 |
| Loan loss allowance to noncurrent loans | 55.4199% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 4.8476% | 817 |
| Noncurrent loans to loans | 3.4654% | 1,445 |
| Net loans and leases to total assets | 73.0276% | 1,330 |
| Net loans and leases to deposits | 83.8383% | 1,771 |
| Net loans and leases to core deposits | 95.2375% | 1,367 |
| Total domestic deposits to total assets | 87.1053% | 2,773 |
| Equity capital to assets | 12.3172% | 1,848 |
| Core capital (leverage) ratio | 10.2023% | 3,138 |
| Tier 1 risk-based capital ratio | 15.3390% | 3,518 |
| Total risk-based capital ratio | 16.6001% | 3,468 |
| Memoranda: | ||
| Average total assets | $3,303,842,400 | 232 |
| Average earning assets | $2,789,730,000 | 239 |
| Average equity | $387,882,400 | 233 |
| Average total loans | $2,437,271,200 | 202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 874 |
| Cost of funding earning assets | 0.6048% | 4,594 |
| Net interest margin | 4.7723% | 584 |
| Noninterest income to average assets | 0.3738% | 4,838 |
| Noninterest expense to average assets | 2.8178% | 3,922 |
| Loan and lease loss provision to assets | 1.4100% | 231 |
| Net operating income to assets | 0.1393% | 6,050 |
| Return on assets (ROA) | 0.1593% | 6,162 |
| Pretax return on assets | 0.2036% | 6,114 |
| Return on Equity (ROE) | 1.3734% | 6,179 |
| Retained earnings to average equity (ytd only) | -1.2244% | 6,299 |
| Net charge-offs to loans | 1.4719% | 591 |
| Credit loss provision to net charge-offs | 130.1502% | 2,214 |
| Earnings coverage of net charge-offs (x) | 1.4658% | 4,552 |
| Efficiency ratio | 63.3464% | 4,916 |
| Assets per employee ($millions) | 3.9406% | 3,992 |
| Cash dividends to net income (ytd only)* | 189.1553% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 2,098 |
| Loan loss allowance to noncurrent loans | 46.2927% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 6.1249% | 643 |
| Noncurrent loans to loans | 4.3753% | 1,099 |
| Net loans and leases to total assets | 72.1488% | 1,527 |
| Net loans and leases to deposits | 84.4254% | 1,813 |
| Net loans and leases to core deposits | 96.6146% | 1,363 |
| Total domestic deposits to total assets | 85.4587% | 3,537 |
| Equity capital to assets | 11.6230% | 2,623 |
| Core capital (leverage) ratio | 10.0121% | 3,520 |
| Tier 1 risk-based capital ratio | 14.9217% | 3,906 |
| Total risk-based capital ratio | 16.1844% | 3,847 |
| Memoranda: | ||
| Average total assets | $3,318,565,250 | 233 |
| Average earning assets | $2,803,801,500 | 238 |
| Average equity | $384,931,000 | 234 |
| Average total loans | $2,442,561,000 | 202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 1,036 |
| Cost of funding earning assets | 0.6268% | 4,657 |
| Net interest margin | 4.6829% | 697 |
| Noninterest income to average assets | 0.4033% | 4,623 |
| Noninterest expense to average assets | 2.8240% | 3,925 |
| Loan and lease loss provision to assets | 1.6894% | 202 |
| Net operating income to assets | -0.0702% | 6,402 |
| Return on assets (ROA) | -0.0528% | 6,503 |
| Pretax return on assets | -0.1279% | 6,537 |
| Return on Equity (ROE) | -0.4556% | 6,495 |
| Retained earnings to average equity (ytd only) | -3.0561% | 6,470 |
| Net charge-offs to loans | 1.3096% | 808 |
| Credit loss provision to net charge-offs | 175.2909% | 1,611 |
| Earnings coverage of net charge-offs (x) | 1.5921% | 4,199 |
| Efficiency ratio | 64.1777% | 4,869 |
| Assets per employee ($millions) | 3.9472% | 3,983 |
| Cash dividends to net income (ytd only)* | -570.7763% | 7,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1885% | 1,798 |
| Loan loss allowance to noncurrent loans | 47.3069% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 6.6639% | 608 |
| Noncurrent loans to loans | 4.6261% | 1,127 |
| Net loans and leases to total assets | 71.7991% | 1,589 |
| Net loans and leases to deposits | 84.0580% | 1,849 |
| Net loans and leases to core deposits | 96.1642% | 1,415 |
| Total domestic deposits to total assets | 85.4162% | 3,656 |
| Equity capital to assets | 11.5230% | 2,569 |
| Core capital (leverage) ratio | 9.9396% | 3,500 |
| Tier 1 risk-based capital ratio | 14.8764% | 3,851 |
| Total risk-based capital ratio | 16.1414% | 3,790 |
| Memoranda: | ||
| Average total assets | $3,317,451,000 | 231 |
| Average earning assets | $2,801,866,670 | 236 |
| Average equity | $384,540,000 | 234 |
| Average total loans | $2,441,326,330 | 202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 1,137 |
| Cost of funding earning assets | 0.6517% | 4,719 |
| Net interest margin | 4.6296% | 779 |
| Noninterest income to average assets | 0.5934% | 3,277 |
| Noninterest expense to average assets | 2.8947% | 3,644 |
| Loan and lease loss provision to assets | 2.6029% | 92 |
| Net operating income to assets | -0.6054% | 6,875 |
| Return on assets (ROA) | -0.5705% | 6,888 |
| Pretax return on assets | -0.9402% | 6,963 |
| Return on Equity (ROE) | -4.9068% | 6,848 |
| Retained earnings to average equity (ytd only) | -7.5036% | 6,737 |
| Net charge-offs to loans | 1.6628% | 579 |
| Credit loss provision to net charge-offs | 212.4483% | 1,283 |
| Earnings coverage of net charge-offs (x) | 1.3125% | 3,675 |
| Efficiency ratio | 63.6880% | 4,983 |
| Assets per employee ($millions) | 4.0089% | 3,990 |
| Cash dividends to net income (ytd only)* | -52.9213% | 7,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 1,963 |
| Loan loss allowance to noncurrent loans | 47.1527% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 6.8479% | 635 |
| Noncurrent loans to loans | 4.5837% | 1,254 |
| Net loans and leases to total assets | 71.6959% | 1,453 |
| Net loans and leases to deposits | 84.3600% | 1,621 |
| Net loans and leases to core deposits | 96.8353% | 1,214 |
| Total domestic deposits to total assets | 84.9880% | 4,043 |
| Equity capital to assets | 11.4428% | 2,490 |
| Core capital (leverage) ratio | 9.9200% | 3,470 |
| Tier 1 risk-based capital ratio | 15.0284% | 3,744 |
| Total risk-based capital ratio | 16.2935% | 3,686 |
| Memoranda: | ||
| Average total assets | $3,312,440,500 | 231 |
| Average earning assets | $2,797,142,500 | 237 |
| Average equity | $385,097,500 | 231 |
| Average total loans | $2,440,714,500 | 202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 1,002 |
| Cost of funding earning assets | 0.8062% | 4,822 |
| Net interest margin | 4.7690% | 663 |
| Noninterest income to average assets | 0.8071% | 2,021 |
| Noninterest expense to average assets | 2.8658% | 4,103 |
| Loan and lease loss provision to assets | 1.2437% | 687 |
| Net operating income to assets | 0.4611% | 4,588 |
| Return on assets (ROA) | 0.4626% | 4,779 |
| Pretax return on assets | 0.7124% | 4,282 |
| Return on Equity (ROE) | 3.9681% | 4,864 |
| Retained earnings to average equity (ytd only) | 1.5142% | 5,136 |
| Net charge-offs to loans | 2.0097% | 685 |
| Credit loss provision to net charge-offs | 83.7528% | 4,287 |
| Earnings coverage of net charge-offs (x) | 1.3157% | 4,790 |
| Efficiency ratio | 58.8976% | 5,914 |
| Assets per employee ($millions) | 3.9632% | 3,937 |
| Cash dividends to net income (ytd only)* | 61.8409% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 3,205 |
| Loan loss allowance to noncurrent loans | 36.0038% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 7.2150% | 630 |
| Noncurrent loans to loans | 4.7200% | 1,241 |
| Net loans and leases to total assets | 72.8333% | 1,486 |
| Net loans and leases to deposits | 86.8323% | 1,558 |
| Net loans and leases to core deposits | 100.4710% | 1,138 |
| Total domestic deposits to total assets | 83.8781% | 4,366 |
| Equity capital to assets | 11.8114% | 2,265 |
| Core capital (leverage) ratio | 10.1671% | 3,143 |
| Tier 1 risk-based capital ratio | 15.3937% | 3,394 |
| Total risk-based capital ratio | 16.6523% | 3,341 |
| Memoranda: | ||
| Average total assets | $3,320,713,800 | 227 |
| Average earning assets | $2,793,923,400 | 230 |
| Average equity | $387,135,200 | 228 |
| Average total loans | $2,453,746,600 | 201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 952 |
| Cost of funding earning assets | 0.8343% | 4,908 |
| Net interest margin | 4.8087% | 615 |
| Noninterest income to average assets | 0.9285% | 1,549 |
| Noninterest expense to average assets | 2.8528% | 4,133 |
| Loan and lease loss provision to assets | 1.2587% | 604 |
| Net operating income to assets | 0.5553% | 4,296 |
| Return on assets (ROA) | 0.5573% | 4,458 |
| Pretax return on assets | 0.8680% | 3,886 |
| Return on Equity (ROE) | 4.7960% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.2106% | 5,019 |
| Net charge-offs to loans | 2.3434% | 491 |
| Credit loss provision to net charge-offs | 72.7401% | 4,389 |
| Earnings coverage of net charge-offs (x) | 1.2272% | 4,701 |
| Efficiency ratio | 56.7825% | 6,175 |
| Assets per employee ($millions) | 4.0709% | 3,697 |
| Cash dividends to net income (ytd only)* | 53.9064% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,904 |
| Loan loss allowance to noncurrent loans | 33.7553% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 7.5422% | 622 |
| Noncurrent loans to loans | 4.5772% | 1,410 |
| Net loans and leases to total assets | 72.6758% | 1,573 |
| Net loans and leases to deposits | 87.7504% | 1,460 |
| Net loans and leases to core deposits | 100.9006% | 1,169 |
| Total domestic deposits to total assets | 82.8210% | 4,752 |
| Equity capital to assets | 11.9230% | 2,314 |
| Core capital (leverage) ratio | 10.1658% | 3,227 |
| Tier 1 risk-based capital ratio | 15.5164% | 3,375 |
| Total risk-based capital ratio | 16.7729% | 3,337 |
| Memoranda: | ||
| Average total assets | $3,328,532,000 | 225 |
| Average earning assets | $2,801,861,750 | 230 |
| Average equity | $386,787,000 | 229 |
| Average total loans | $2,457,876,500 | 200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 977 |
| Cost of funding earning assets | 0.8572% | 5,004 |
| Net interest margin | 4.7877% | 612 |
| Noninterest income to average assets | 1.1678% | 929 |
| Noninterest expense to average assets | 2.8371% | 4,283 |
| Loan and lease loss provision to assets | 1.3349% | 552 |
| Net operating income to assets | 0.6562% | 3,768 |
| Return on assets (ROA) | 0.6592% | 3,873 |
| Pretax return on assets | 1.0339% | 3,105 |
| Return on Equity (ROE) | 5.7222% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,911 |
| Net charge-offs to loans | 2.5724% | 445 |
| Credit loss provision to net charge-offs | 70.2700% | 4,050 |
| Earnings coverage of net charge-offs (x) | 1.2444% | 4,359 |
| Efficiency ratio | 54.0285% | 6,620 |
| Assets per employee ($millions) | 4.0550% | 3,642 |
| Cash dividends to net income (ytd only)* | 36.3603% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,558 |
| Loan loss allowance to noncurrent loans | 36.8279% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 7.3011% | 675 |
| Noncurrent loans to loans | 4.4413% | 1,501 |
| Net loans and leases to total assets | 72.1789% | 1,754 |
| Net loans and leases to deposits | 87.3769% | 1,593 |
| Net loans and leases to core deposits | 100.6833% | 1,283 |
| Total domestic deposits to total assets | 82.6064% | 4,943 |
| Equity capital to assets | 11.8151% | 2,229 |
| Core capital (leverage) ratio | 10.0682% | 3,179 |
| Tier 1 risk-based capital ratio | 15.5825% | 3,196 |
| Total risk-based capital ratio | 16.8406% | 3,147 |
| Memoranda: | ||
| Average total assets | $3,337,533,670 | 229 |
| Average earning assets | $2,811,650,330 | 233 |
| Average equity | $384,502,330 | 228 |
| Average total loans | $2,464,814,000 | 204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 1,299 |
| Cost of funding earning assets | 0.8865% | 5,021 |
| Net interest margin | 4.6127% | 841 |
| Noninterest income to average assets | 1.7120% | 464 |
| Noninterest expense to average assets | 2.9467% | 3,868 |
| Loan and lease loss provision to assets | 1.3586% | 491 |
| Net operating income to assets | 0.8256% | 2,905 |
| Return on assets (ROA) | 0.8270% | 2,958 |
| Pretax return on assets | 1.3098% | 2,012 |
| Return on Equity (ROE) | 7.2714% | 3,254 |
| Retained earnings to average equity (ytd only) | 5.1653% | 3,080 |
| Net charge-offs to loans | 2.9096% | 375 |
| Credit loss provision to net charge-offs | 63.0237% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 3,743 |
| Efficiency ratio | 52.0219% | 6,852 |
| Assets per employee ($millions) | 4.1581% | 3,529 |
| Cash dividends to net income (ytd only)* | 28.9645% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 3,280 |
| Loan loss allowance to noncurrent loans | 33.9196% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 7.3187% | 703 |
| Noncurrent loans to loans | 5.0652% | 1,324 |
| Net loans and leases to total assets | 71.9387% | 1,734 |
| Net loans and leases to deposits | 85.8469% | 1,758 |
| Net loans and leases to core deposits | 99.6469% | 1,370 |
| Total domestic deposits to total assets | 83.7988% | 4,573 |
| Equity capital to assets | 11.4832% | 2,292 |
| Core capital (leverage) ratio | 9.9274% | 3,231 |
| Tier 1 risk-based capital ratio | 15.3355% | 3,245 |
| Total risk-based capital ratio | 16.5949% | 3,201 |
| Memoranda: | ||
| Average total assets | $3,339,715,500 | 230 |
| Average earning assets | $2,824,262,000 | 229 |
| Average equity | $379,845,500 | 225 |
| Average total loans | $2,474,295,500 | 204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4440% | 2,494 |
| Cost of funding earning assets | 1.0546% | 5,400 |
| Net interest margin | 4.3893% | 1,514 |
| Noninterest income to average assets | 0.8730% | 1,961 |
| Noninterest expense to average assets | 2.5435% | 5,637 |
| Loan and lease loss provision to assets | 1.6140% | 894 |
| Net operating income to assets | 0.3424% | 4,780 |
| Return on assets (ROA) | 0.3429% | 4,937 |
| Pretax return on assets | 0.5148% | 4,565 |
| Return on Equity (ROE) | 3.0164% | 4,949 |
| Retained earnings to average equity (ytd only) | -3.8149% | 6,191 |
| Net charge-offs to loans | 1.6594% | 1,310 |
| Credit loss provision to net charge-offs | 128.4567% | 3,119 |
| Earnings coverage of net charge-offs (x) | 1.6937% | 4,460 |
| Efficiency ratio | 53.8928% | 6,816 |
| Assets per employee ($millions) | 4.2683% | 3,265 |
| Cash dividends to net income (ytd only)* | 226.4688% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 2,270 |
| Loan loss allowance to noncurrent loans | 40.9212% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 7.2227% | 743 |
| Noncurrent loans to loans | 4.9124% | 1,384 |
| Net loans and leases to total assets | 73.5034% | 1,767 |
| Net loans and leases to deposits | 90.0640% | 1,513 |
| Net loans and leases to core deposits | 104.1262% | 1,302 |
| Total domestic deposits to total assets | 81.6124% | 5,318 |
| Equity capital to assets | 11.2598% | 2,445 |
| Core capital (leverage) ratio | 9.6275% | 3,514 |
| Tier 1 risk-based capital ratio | 14.3530% | 3,643 |
| Total risk-based capital ratio | 15.6164% | 3,590 |
| Memoranda: | ||
| Average total assets | $3,380,462,200 | 225 |
| Average earning assets | $2,925,447,200 | 229 |
| Average equity | $384,260,400 | 216 |
| Average total loans | $2,559,626,200 | 204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 3,110 |
| Cost of funding earning assets | 1.0926% | 5,463 |
| Net interest margin | 4.2591% | 1,999 |
| Noninterest income to average assets | 0.5660% | 3,680 |
| Noninterest expense to average assets | 2.5143% | 5,662 |
| Loan and lease loss provision to assets | 0.9401% | 1,599 |
| Net operating income to assets | 0.5243% | 4,204 |
| Return on assets (ROA) | 0.5249% | 4,380 |
| Pretax return on assets | 0.8146% | 3,849 |
| Return on Equity (ROE) | 4.6072% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.0303% | 4,942 |
| Net charge-offs to loans | 0.8439% | 2,342 |
| Credit loss provision to net charge-offs | 146.7942% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.7383% | 3,779 |
| Efficiency ratio | 58.3099% | 6,217 |
| Assets per employee ($millions) | 4.4028% | 3,076 |
| Cash dividends to net income (ytd only)* | 55.9326% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 2,817 |
| Loan loss allowance to noncurrent loans | 28.9506% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 8.1653% | 606 |
| Noncurrent loans to loans | 6.1820% | 993 |
| Net loans and leases to total assets | 73.5061% | 1,909 |
| Net loans and leases to deposits | 89.5402% | 1,779 |
| Net loans and leases to core deposits | 105.7998% | 1,346 |
| Total domestic deposits to total assets | 82.0928% | 4,955 |
| Equity capital to assets | 11.6643% | 2,394 |
| Core capital (leverage) ratio | 10.0715% | 3,179 |
| Tier 1 risk-based capital ratio | 15.2931% | 3,107 |
| Total risk-based capital ratio | 16.5539% | 3,058 |
| Memoranda: | ||
| Average total assets | $3,406,057,500 | 223 |
| Average earning assets | $2,960,607,750 | 226 |
| Average equity | $388,049,000 | 214 |
| Average total loans | $2,584,800,250 | 200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3744% | 3,082 |
| Cost of funding earning assets | 1.1285% | 5,532 |
| Net interest margin | 4.2459% | 1,980 |
| Noninterest income to average assets | 0.5972% | 3,354 |
| Noninterest expense to average assets | 2.5461% | 5,536 |
| Loan and lease loss provision to assets | 0.9134% | 1,594 |
| Net operating income to assets | 0.5349% | 4,176 |
| Return on assets (ROA) | 0.5358% | 4,317 |
| Pretax return on assets | 0.8346% | 3,761 |
| Return on Equity (ROE) | 4.7401% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.1547% | 4,775 |
| Net charge-offs to loans | 0.8246% | 2,188 |
| Credit loss provision to net charge-offs | 145.3041% | 2,733 |
| Earnings coverage of net charge-offs (x) | 2.7785% | 3,598 |
| Efficiency ratio | 58.7208% | 6,272 |
| Assets per employee ($millions) | 4.3365% | 3,153 |
| Cash dividends to net income (ytd only)* | 54.5435% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,249 |
| Loan loss allowance to noncurrent loans | 24.5690% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 8.0359% | 609 |
| Noncurrent loans to loans | 6.7151% | 871 |
| Net loans and leases to total assets | 75.8570% | 1,517 |
| Net loans and leases to deposits | 89.8427% | 1,884 |
| Net loans and leases to core deposits | 106.1412% | 1,428 |
| Total domestic deposits to total assets | 84.4331% | 3,901 |
| Equity capital to assets | 11.7500% | 2,248 |
| Core capital (leverage) ratio | 9.8733% | 3,307 |
| Tier 1 risk-based capital ratio | 15.0101% | 3,148 |
| Total risk-based capital ratio | 16.2689% | 3,114 |
| Memoranda: | ||
| Average total assets | $3,421,634,670 | 224 |
| Average earning assets | $2,978,057,000 | 227 |
| Average equity | $386,785,000 | 213 |
| Average total loans | $2,608,298,000 | 200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 3,503 |
| Cost of funding earning assets | 1.1697% | 5,558 |
| Net interest margin | 4.1393% | 2,273 |
| Noninterest income to average assets | 0.6577% | 2,893 |
| Noninterest expense to average assets | 2.5262% | 5,630 |
| Loan and lease loss provision to assets | 0.8778% | 1,450 |
| Net operating income to assets | 0.5578% | 4,099 |
| Return on assets (ROA) | 0.5585% | 4,234 |
| Pretax return on assets | 0.8736% | 3,566 |
| Return on Equity (ROE) | 5.0353% | 4,339 |
| Retained earnings to average equity (ytd only) | 2.4398% | 4,675 |
| Net charge-offs to loans | 0.8015% | 1,931 |
| Credit loss provision to net charge-offs | 144.4845% | 2,462 |
| Earnings coverage of net charge-offs (x) | 2.8812% | 3,108 |
| Efficiency ratio | 58.4911% | 6,413 |
| Assets per employee ($millions) | 4.5924% | 2,814 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,805 |
| Loan loss allowance to noncurrent loans | 23.5608% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 7.2776% | 722 |
| Noncurrent loans to loans | 6.4579% | 968 |
| Net loans and leases to total assets | 75.5914% | 1,622 |
| Net loans and leases to deposits | 89.2341% | 2,026 |
| Net loans and leases to core deposits | 106.2072% | 1,559 |
| Total domestic deposits to total assets | 84.7114% | 3,804 |
| Equity capital to assets | 11.3822% | 2,443 |
| Core capital (leverage) ratio | 9.4484% | 3,856 |
| Tier 1 risk-based capital ratio | 14.1344% | 3,577 |
| Total risk-based capital ratio | 15.3907% | 3,537 |
| Memoranda: | ||
| Average total assets | $3,473,729,000 | 225 |
| Average earning assets | $3,036,932,000 | 231 |
| Average equity | $385,278,000 | 218 |
| Average total loans | $2,633,082,500 | 205 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 4,348 |
| Cost of funding earning assets | 1.6663% | 4,692 |
| Net interest margin | 3.8009% | 3,704 |
| Noninterest income to average assets | 2.7947% | 241 |
| Noninterest expense to average assets | 2.4267% | 6,385 |
| Loan and lease loss provision to assets | 0.6287% | 3,290 |
| Net operating income to assets | 1.9227% | 276 |
| Return on assets (ROA) | 1.9218% | 284 |
| Pretax return on assets | 3.1156% | 88 |
| Return on Equity (ROE) | 17.8035% | 382 |
| Retained earnings to average equity (ytd only) | 14.1968% | 113 |
| Net charge-offs to loans | 0.4847% | 3,833 |
| Credit loss provision to net charge-offs | 166.8402% | 2,592 |
| Earnings coverage of net charge-offs (x) | 9.9397% | 1,740 |
| Efficiency ratio | 38.9969% | 7,875 |
| Assets per employee ($millions) | 4.8419% | 2,424 |
| Cash dividends to net income (ytd only)* | 20.2587% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 4,210 |
| Loan loss allowance to noncurrent loans | 20.7511% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 6.6546% | 803 |
| Noncurrent loans to loans | 6.7714% | 860 |
| Net loans and leases to total assets | 73.8290% | 2,308 |
| Net loans and leases to deposits | 89.1550% | 2,365 |
| Net loans and leases to core deposits | 123.4541% | 1,679 |
| Total domestic deposits to total assets | 82.8097% | 4,608 |
| Equity capital to assets | 10.8125% | 2,856 |
| Core capital (leverage) ratio | 9.2033% | 4,115 |
| Tier 1 risk-based capital ratio | 13.7187% | 3,673 |
| Total risk-based capital ratio | 14.9732% | 3,612 |
| Memoranda: | ||
| Average total assets | $3,210,618,600 | 235 |
| Average earning assets | $2,853,130,800 | 234 |
| Average equity | $346,571,400 | 229 |
| Average total loans | $2,496,384,800 | 214 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4288% | 4,798 |
| Cost of funding earning assets | 1.7410% | 4,689 |
| Net interest margin | 3.6878% | 4,122 |
| Noninterest income to average assets | 3.3118% | 199 |
| Noninterest expense to average assets | 2.3710% | 6,502 |
| Loan and lease loss provision to assets | 0.5805% | 3,070 |
| Net operating income to assets | 2.2464% | 166 |
| Return on assets (ROA) | 2.2452% | 181 |
| Pretax return on assets | 3.6491% | 63 |
| Return on Equity (ROE) | 20.8096% | 270 |
| Retained earnings to average equity (ytd only) | 16.8565% | 108 |
| Net charge-offs to loans | 0.4572% | 3,399 |
| Credit loss provision to net charge-offs | 161.5933% | 2,927 |
| Earnings coverage of net charge-offs (x) | 11.7785% | 1,825 |
| Efficiency ratio | 35.6430% | 7,977 |
| Assets per employee ($millions) | 4.5524% | 2,780 |
| Cash dividends to net income (ytd only)* | 18.9966% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 4,669 |
| Loan loss allowance to noncurrent loans | 22.0813% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 4.9311% | 1,192 |
| Noncurrent loans to loans | 5.7636% | 1,058 |
| Net loans and leases to total assets | 75.7335% | 2,053 |
| Net loans and leases to deposits | 91.2761% | 2,350 |
| Net loans and leases to core deposits | 130.7507% | 1,386 |
| Total domestic deposits to total assets | 82.9719% | 4,236 |
| Equity capital to assets | 10.6170% | 3,383 |
| Core capital (leverage) ratio | 9.0076% | 4,637 |
| Tier 1 risk-based capital ratio | 12.9161% | 4,255 |
| Total risk-based capital ratio | 14.1684% | 4,186 |
| Memoranda: | ||
| Average total assets | $3,125,997,750 | 250 |
| Average earning assets | $2,789,343,750 | 251 |
| Average equity | $337,277,500 | 237 |
| Average total loans | $2,456,078,750 | 230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 6,027 |
| Cost of funding earning assets | 1.7665% | 4,921 |
| Net interest margin | 3.4487% | 4,991 |
| Noninterest income to average assets | 4.2537% | 159 |
| Noninterest expense to average assets | 2.3189% | 6,712 |
| Loan and lease loss provision to assets | 0.5622% | 2,771 |
| Net operating income to assets | 2.7440% | 79 |
| Return on assets (ROA) | 2.7419% | 88 |
| Pretax return on assets | 4.4680% | 44 |
| Return on Equity (ROE) | 25.2540% | 131 |
| Retained earnings to average equity (ytd only) | 20.6364% | 66 |
| Net charge-offs to loans | 0.3778% | 3,304 |
| Credit loss provision to net charge-offs | 187.6618% | 2,432 |
| Earnings coverage of net charge-offs (x) | 16.8008% | 1,517 |
| Efficiency ratio | 31.3607% | 8,098 |
| Assets per employee ($millions) | 4.4343% | 2,867 |
| Cash dividends to net income (ytd only)* | 18.2847% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,793 |
| Loan loss allowance to noncurrent loans | 38.9518% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.9400% | 2,170 |
| Noncurrent loans to loans | 3.1416% | 2,272 |
| Net loans and leases to total assets | 75.9853% | 2,183 |
| Net loans and leases to deposits | 92.9649% | 2,280 |
| Net loans and leases to core deposits | 131.6859% | 1,449 |
| Total domestic deposits to total assets | 81.7354% | 4,802 |
| Equity capital to assets | 10.3180% | 3,601 |
| Core capital (leverage) ratio | 11.3477% | 2,171 |
| Tier 1 risk-based capital ratio | 12.2572% | 4,714 |
| Total risk-based capital ratio | 13.5084% | 4,627 |
| Memoranda: | ||
| Average total assets | $2,991,960,000 | 263 |
| Average earning assets | $2,688,344,000 | 265 |
| Average equity | $324,843,000 | 248 |
| Average total loans | $2,372,636,000 | 243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 4,886 |
| Cost of funding earning assets | 1.9080% | 4,587 |
| Net interest margin | 3.5971% | 4,326 |
| Noninterest income to average assets | 0.7105% | 2,821 |
| Noninterest expense to average assets | 2.2861% | 6,582 |
| Loan and lease loss provision to assets | 0.6583% | 1,923 |
| Net operating income to assets | 0.6865% | 3,625 |
| Return on assets (ROA) | 0.6865% | 3,807 |
| Pretax return on assets | 1.0769% | 3,073 |
| Return on Equity (ROE) | 6.1258% | 3,988 |
| Retained earnings to average equity (ytd only) | -3.6975% | 6,383 |
| Net charge-offs to loans | 0.3321% | 2,770 |
| Credit loss provision to net charge-offs | 245.2160% | 1,905 |
| Earnings coverage of net charge-offs (x) | 6.4636% | 2,493 |
| Efficiency ratio | 56.4932% | 6,901 |
| Assets per employee ($millions) | 4.4211% | 2,845 |
| Cash dividends to net income (ytd only)* | 160.3592% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 3,206 |
| Loan loss allowance to noncurrent loans | 90.4125% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 3,668 |
| Noncurrent loans to loans | 1.6093% | 3,863 |
| Net loans and leases to total assets | 80.1446% | 1,359 |
| Net loans and leases to deposits | 100.5632% | 1,333 |
| Net loans and leases to core deposits | 140.2416% | 1,088 |
| Total domestic deposits to total assets | 79.6958% | 5,470 |
| Equity capital to assets | 12.0688% | 2,218 |
| Core capital (leverage) ratio | 10.4972% | 2,931 |
| Tier 1 risk-based capital ratio | 12.6418% | 4,442 |
| Total risk-based capital ratio | 13.8950% | 4,360 |
| Memoranda: | ||
| Average total assets | $2,725,302,500 | 291 |
| Average earning assets | $2,508,332,500 | 285 |
| Average equity | $305,396,000 | 260 |
| Average total loans | $2,203,016,000 | 264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2888% | 4,028 |
| Cost of funding earning assets | 2.4663% | 4,384 |
| Net interest margin | 3.8225% | 3,925 |
| Noninterest income to average assets | 0.8291% | 2,356 |
| Noninterest expense to average assets | 2.4167% | 6,337 |
| Loan and lease loss provision to assets | 0.3864% | 3,376 |
| Net operating income to assets | 0.9706% | 2,689 |
| Return on assets (ROA) | 0.9706% | 2,568 |
| Pretax return on assets | 1.5412% | 1,559 |
| Return on Equity (ROE) | 9.3879% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.1722% | 1,457 |
| Net charge-offs to loans | 0.2271% | 3,967 |
| Credit loss provision to net charge-offs | 208.4388% | 2,322 |
| Earnings coverage of net charge-offs (x) | 10.3973% | 2,519 |
| Efficiency ratio | 55.2535% | 7,114 |
| Assets per employee ($millions) | 4.4776% | 2,650 |
| Cash dividends to net income (ytd only)* | 34.2535% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 3,643 |
| Loan loss allowance to noncurrent loans | 109.9850% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 3,988 |
| Noncurrent loans to loans | 1.2021% | 4,110 |
| Net loans and leases to total assets | 79.2911% | 1,817 |
| Net loans and leases to deposits | 105.0364% | 1,228 |
| Net loans and leases to core deposits | 147.0744% | 974 |
| Total domestic deposits to total assets | 75.4892% | 6,342 |
| Equity capital to assets | 10.3609% | 3,657 |
| Core capital (leverage) ratio | 8.9175% | 4,862 |
| Tier 1 risk-based capital ratio | 10.3325% | 6,385 |
| Total risk-based capital ratio | 11.5836% | 6,259 |
| Memoranda: | ||
| Average total assets | $2,556,630,400 | 296 |
| Average earning assets | $2,351,133,400 | 287 |
| Average equity | $264,330,800 | 294 |
| Average total loans | $2,086,751,400 | 265 |