Home > First Financial Bank > Performance and Condition Ratios
First Financial 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 | 6.3338% | 417 |
| Cost of funding earning assets | 1.8025% | 1,245 |
| Net interest margin | 4.5313% | 584 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 2.6792% | 1,796 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.6709% | 769 |
| Return on assets (ROA) | 1.6679% | 746 |
| Pretax return on assets | 2.0932% | 578 |
| Return on Equity (ROE) | 12.7300% | 1,792 |
| Retained earnings to average equity (ytd only) | 5.5627% | 2,388 |
| Net charge-offs to loans | 0.3269% | 331 |
| Credit loss provision to net charge-offs | 124.4295% | 1,641 |
| Earnings coverage of net charge-offs (x) | 11.5675% | 2,184 |
| Efficiency ratio | 52.0762% | 3,822 |
| Assets per employee ($millions) | 8.2006% | 1,335 |
| Cash dividends to net income (ytd only)* | 56.2855% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 1,807 |
| Loan loss allowance to noncurrent loans | 208.6617% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 1,422 |
| Noncurrent loans to loans | 0.6194% | 1,274 |
| Net loans and leases to total assets | 61.8600% | 2,689 |
| Net loans and leases to deposits | 79.9889% | 2,109 |
| Net loans and leases to core deposits | 91.3901% | 1,958 |
| Total domestic deposits to total assets | 77.3400% | 3,804 |
| Equity capital to assets | 13.3631% | 790 |
| Core capital (leverage) ratio | 10.2400% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0427% | 2,230 |
| Memoranda: | ||
| Average total assets | $17,042,913,800 | 109 |
| Average earning assets | $14,254,367,600 | 116 |
| Average equity | $2,233,880,400 | 90 |
| Average total loans | $10,590,898,200 | 119 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2655% | 381 |
| Cost of funding earning assets | 1.6680% | 1,241 |
| Net interest margin | 4.5975% | 532 |
| Noninterest income to average assets | 1.2900% | 464 |
| Noninterest expense to average assets | 2.6860% | 1,709 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.7449% | 737 |
| Return on assets (ROA) | 1.7465% | 719 |
| Pretax return on assets | 2.1870% | 569 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,586 |
| Net charge-offs to loans | 0.2798% | 306 |
| Credit loss provision to net charge-offs | 155.4548% | 1,301 |
| Earnings coverage of net charge-offs (x) | 14.0835% | 2,011 |
| Efficiency ratio | 51.1763% | 3,819 |
| Assets per employee ($millions) | 8.0040% | 1,344 |
| Cash dividends to net income (ytd only)* | 54.0830% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,613 |
| Loan loss allowance to noncurrent loans | 191.9658% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 1,288 |
| Noncurrent loans to loans | 0.7096% | 1,166 |
| Net loans and leases to total assets | 61.9300% | 2,663 |
| Net loans and leases to deposits | 80.6235% | 1,996 |
| Net loans and leases to core deposits | 92.0600% | 1,791 |
| Total domestic deposits to total assets | 76.8200% | 3,948 |
| Equity capital to assets | 13.0211% | 811 |
| Core capital (leverage) ratio | 10.2386% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0531% | 2,252 |
| Memoranda: | ||
| Average total assets | $16,938,890,250 | 110 |
| Average earning assets | $14,139,263,750 | 117 |
| Average equity | $2,209,082,750 | 91 |
| Average total loans | $10,503,025,250 | 122 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1174% | 389 |
| Cost of funding earning assets | 1.4837% | 1,273 |
| Net interest margin | 4.6337% | 500 |
| Noninterest income to average assets | 1.2800% | 406 |
| Noninterest expense to average assets | 2.6609% | 1,749 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.7845% | 679 |
| Return on assets (ROA) | 1.7873% | 673 |
| Pretax return on assets | 2.2379% | 510 |
| Return on Equity (ROE) | 13.7000% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.4531% | 2,461 |
| Net charge-offs to loans | 0.1091% | 640 |
| Credit loss provision to net charge-offs | 375.1844% | 755 |
| Earnings coverage of net charge-offs (x) | 36.9322% | 1,449 |
| Efficiency ratio | 50.5295% | 3,880 |
| Assets per employee ($millions) | 7.7549% | 1,439 |
| Cash dividends to net income (ytd only)* | 52.8884% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,510 |
| Loan loss allowance to noncurrent loans | 268.5419% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 1,604 |
| Noncurrent loans to loans | 0.5239% | 1,413 |
| Net loans and leases to total assets | 61.2500% | 2,645 |
| Net loans and leases to deposits | 80.6978% | 1,921 |
| Net loans and leases to core deposits | 92.1963% | 1,671 |
| Total domestic deposits to total assets | 75.9000% | 4,049 |
| Equity capital to assets | 13.1532% | 780 |
| Core capital (leverage) ratio | 10.0562% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9055% | 2,332 |
| Memoranda: | ||
| Average total assets | $16,926,326,333 | 106 |
| Average earning assets | $14,136,579,000 | 113 |
| Average equity | $2,208,599,667 | 89 |
| Average total loans | $10,438,343,333 | 119 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9245% | 344 |
| Cost of funding earning assets | 1.2716% | 1,292 |
| Net interest margin | 4.6530% | 478 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 2.6230% | 1,887 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.8412% | 629 |
| Return on assets (ROA) | 1.8547% | 602 |
| Pretax return on assets | 2.3350% | 456 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 6.9805% | 2,498 |
| Net charge-offs to loans | 0.0012% | 2,011 |
| Credit loss provision to net charge-offs | 28,813.3333% | 14 |
| Earnings coverage of net charge-offs (x) | 3,611.0333% | 20 |
| Efficiency ratio | 49.3737% | 3,990 |
| Assets per employee ($millions) | 8.1591% | 1,263 |
| Cash dividends to net income (ytd only)* | 51.0882% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 1,790 |
| Loan loss allowance to noncurrent loans | 407.5851% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 2,078 |
| Noncurrent loans to loans | 0.3327% | 1,965 |
| Net loans and leases to total assets | 61.1100% | 2,546 |
| Net loans and leases to deposits | 80.6267% | 1,773 |
| Net loans and leases to core deposits | 91.0282% | 1,562 |
| Total domestic deposits to total assets | 75.7900% | 4,169 |
| Equity capital to assets | 13.2225% | 713 |
| Core capital (leverage) ratio | 9.8408% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6687% | 2,510 |
| Memoranda: | ||
| Average total assets | $16,886,192,500 | 110 |
| Average earning assets | $14,079,927,000 | 116 |
| Average equity | $2,194,443,500 | 92 |
| Average total loans | $10,374,777,000 | 122 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 1,110 |
| Cost of funding earning assets | 0.3597% | 2,404 |
| Net interest margin | 3.9130% | 928 |
| Noninterest income to average assets | 1.1500% | 508 |
| Noninterest expense to average assets | 2.6661% | 1,640 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4883% | 907 |
| Return on assets (ROA) | 1.4824% | 890 |
| Pretax return on assets | 1.6808% | 969 |
| Return on Equity (ROE) | 10.7700% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.2193% | 3,661 |
| Net charge-offs to loans | 0.0597% | 1,053 |
| Credit loss provision to net charge-offs | 117.1424% | 1,475 |
| Earnings coverage of net charge-offs (x) | 50.0672% | 1,364 |
| Efficiency ratio | 58.7029% | 3,232 |
| Assets per employee ($millions) | 8.1718% | 1,241 |
| Cash dividends to net income (ytd only)* | 70.1210% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 1,947 |
| Loan loss allowance to noncurrent loans | 449.5352% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 2,306 |
| Noncurrent loans to loans | 0.2870% | 2,117 |
| Net loans and leases to total assets | 60.1400% | 2,619 |
| Net loans and leases to deposits | 79.4925% | 1,812 |
| Net loans and leases to core deposits | 85.5511% | 1,782 |
| Total domestic deposits to total assets | 75.6600% | 4,276 |
| Equity capital to assets | 12.7692% | 749 |
| Core capital (leverage) ratio | 9.7557% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7149% | 2,485 |
| Memoranda: | ||
| Average total assets | $16,354,424,200 | 117 |
| Average earning assets | $13,689,622,000 | 126 |
| Average equity | $2,250,106,800 | 99 |
| Average total loans | $9,625,907,400 | 126 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 1,550 |
| Cost of funding earning assets | 0.2025% | 3,239 |
| Net interest margin | 3.6692% | 1,220 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 2.6212% | 1,664 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.3770% | 1,147 |
| Return on assets (ROA) | 1.3631% | 1,155 |
| Pretax return on assets | 1.5245% | 1,342 |
| Return on Equity (ROE) | 9.7300% | 2,808 |
| Retained earnings to average equity (ytd only) | 2.0984% | 4,005 |
| Net charge-offs to loans | 0.0837% | 714 |
| Credit loss provision to net charge-offs | -32.9741% | 4,625 |
| Earnings coverage of net charge-offs (x) | 31.8242% | 1,499 |
| Efficiency ratio | 61.0854% | 2,955 |
| Assets per employee ($millions) | 7.9783% | 1,340 |
| Cash dividends to net income (ytd only)* | 78.4233% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,195 |
| Loan loss allowance to noncurrent loans | 340.3060% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 2,079 |
| Noncurrent loans to loans | 0.3718% | 1,905 |
| Net loans and leases to total assets | 58.5800% | 2,638 |
| Net loans and leases to deposits | 77.9572% | 1,716 |
| Net loans and leases to core deposits | 81.2364% | 1,813 |
| Total domestic deposits to total assets | 75.1500% | 4,401 |
| Equity capital to assets | 12.8693% | 697 |
| Core capital (leverage) ratio | 9.8685% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8923% | 2,519 |
| Memoranda: | ||
| Average total assets | $16,214,119,000 | 118 |
| Average earning assets | $13,594,547,750 | 125 |
| Average equity | $2,272,634,000 | 101 |
| Average total loans | $9,455,662,000 | 128 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 2,027 |
| Cost of funding earning assets | 0.1236% | 3,919 |
| Net interest margin | 3.4112% | 1,568 |
| Noninterest income to average assets | 1.1209% | 535 |
| Noninterest expense to average assets | 2.4488% | 2,084 |
| Loan and lease loss provision to assets | -0.0820% | 4,571 |
| Net operating income to assets | 1.3006% | 1,138 |
| Return on assets (ROA) | 1.2914% | 1,141 |
| Pretax return on assets | 1.6174% | 906 |
| Return on Equity (ROE) | 8.9625% | 2,716 |
| Retained earnings to average equity (ytd only) | 1.2074% | 3,946 |
| Net charge-offs to loans | 0.0910% | 619 |
| Credit loss provision to net charge-offs | -231.8513% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.3096% | 1,399 |
| Efficiency ratio | 59.4738% | 3,369 |
| Assets per employee ($millions) | 7.7078% | 1,474 |
| Cash dividends to net income (ytd only)* | 86.5285% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,431 |
| Loan loss allowance to noncurrent loans | 301.7740% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 2,121 |
| Noncurrent loans to loans | 0.4137% | 1,873 |
| Net loans and leases to total assets | 57.7175% | 2,561 |
| Net loans and leases to deposits | 75.5272% | 1,724 |
| Net loans and leases to core deposits | 77.0814% | 1,916 |
| Total domestic deposits to total assets | 76.4195% | 4,440 |
| Equity capital to assets | 13.7221% | 557 |
| Core capital (leverage) ratio | 9.8666% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1959% | 2,414 |
| Memoranda: | ||
| Average total assets | $16,108,509,333 | 118 |
| Average earning assets | $13,575,581,333 | 127 |
| Average equity | $2,321,039,333 | 99 |
| Average total loans | $9,338,176,333 | 126 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 2,242 |
| Cost of funding earning assets | 0.1040% | 4,083 |
| Net interest margin | 3.2455% | 1,737 |
| Noninterest income to average assets | 0.9869% | 691 |
| Noninterest expense to average assets | 2.4277% | 2,080 |
| Loan and lease loss provision to assets | -0.1446% | 4,643 |
| Net operating income to assets | 1.1633% | 1,346 |
| Return on assets (ROA) | 1.1631% | 1,342 |
| Pretax return on assets | 1.4460% | 1,139 |
| Return on Equity (ROE) | 7.8835% | 2,726 |
| Retained earnings to average equity (ytd only) | -0.5443% | 4,085 |
| Net charge-offs to loans | 0.0979% | 527 |
| Credit loss provision to net charge-offs | -245.8865% | 3,011 |
| Earnings coverage of net charge-offs (x) | 23.0286% | 1,233 |
| Efficiency ratio | 63.1532% | 3,125 |
| Assets per employee ($millions) | 7.7687% | 1,513 |
| Cash dividends to net income (ytd only)* | 106.9039% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,153 |
| Loan loss allowance to noncurrent loans | 272.0121% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 1,973 |
| Noncurrent loans to loans | 0.4931% | 1,796 |
| Net loans and leases to total assets | 57.3294% | 2,376 |
| Net loans and leases to deposits | 70.9110% | 1,874 |
| Net loans and leases to core deposits | 72.6837% | 2,053 |
| Total domestic deposits to total assets | 80.8469% | 4,214 |
| Equity capital to assets | 14.4450% | 455 |
| Core capital (leverage) ratio | 9.8614% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3289% | 2,470 |
| Memoranda: | ||
| Average total assets | $16,084,993,500 | 120 |
| Average earning assets | $13,591,865,500 | 128 |
| Average equity | $2,373,118,000 | 100 |
| Average total loans | $9,286,034,000 | 126 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5593% | 2,489 |
| Cost of funding earning assets | 0.1120% | 4,293 |
| Net interest margin | 3.4474% | 1,884 |
| Noninterest income to average assets | 1.0366% | 932 |
| Noninterest expense to average assets | 2.3804% | 2,549 |
| Loan and lease loss provision to assets | -0.1132% | 4,567 |
| Net operating income to assets | 1.4204% | 1,215 |
| Return on assets (ROA) | 1.4177% | 1,290 |
| Pretax return on assets | 1.6883% | 1,181 |
| Return on Equity (ROE) | 9.5855% | 2,686 |
| Retained earnings to average equity (ytd only) | 1.1412% | 4,218 |
| Net charge-offs to loans | 0.2562% | 353 |
| Credit loss provision to net charge-offs | -77.0786% | 3,314 |
| Earnings coverage of net charge-offs (x) | 10.2411% | 2,215 |
| Efficiency ratio | 58.5782% | 3,352 |
| Assets per employee ($millions) | 8.1465% | 1,255 |
| Cash dividends to net income (ytd only)* | 88.0941% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,857 |
| Loan loss allowance to noncurrent loans | 271.9858% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 2,039 |
| Noncurrent loans to loans | 0.5208% | 1,827 |
| Net loans and leases to total assets | 56.5481% | 2,531 |
| Net loans and leases to deposits | 71.0595% | 2,011 |
| Net loans and leases to core deposits | 73.8726% | 2,087 |
| Total domestic deposits to total assets | 79.5786% | 4,258 |
| Equity capital to assets | 15.0562% | 489 |
| Core capital (leverage) ratio | 10.0989% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6700% | 2,376 |
| Memoranda: | ||
| Average total assets | $16,013,819,800 | 118 |
| Average earning assets | $13,573,704,800 | 123 |
| Average equity | $2,368,468,600 | 103 |
| Average total loans | $9,633,247,200 | 126 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 2,565 |
| Cost of funding earning assets | 0.1191% | 4,360 |
| Net interest margin | 3.4803% | 1,926 |
| Noninterest income to average assets | 1.0217% | 1,037 |
| Noninterest expense to average assets | 2.3170% | 2,701 |
| Loan and lease loss provision to assets | -0.0869% | 4,572 |
| Net operating income to assets | 1.4602% | 1,361 |
| Return on assets (ROA) | 1.4551% | 1,440 |
| Pretax return on assets | 1.7369% | 1,313 |
| Return on Equity (ROE) | 9.8837% | 2,779 |
| Retained earnings to average equity (ytd only) | 2.7891% | 3,971 |
| Net charge-offs to loans | 0.2372% | 345 |
| Credit loss provision to net charge-offs | -54.9806% | 3,151 |
| Earnings coverage of net charge-offs (x) | 11.4709% | 1,995 |
| Efficiency ratio | 56.7538% | 3,445 |
| Assets per employee ($millions) | 7.8342% | 1,352 |
| Cash dividends to net income (ytd only)* | 71.7805% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 1,373 |
| Loan loss allowance to noncurrent loans | 225.3716% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,789 |
| Noncurrent loans to loans | 0.7033% | 1,578 |
| Net loans and leases to total assets | 58.2523% | 2,454 |
| Net loans and leases to deposits | 72.3670% | 2,016 |
| Net loans and leases to core deposits | 76.2293% | 2,027 |
| Total domestic deposits to total assets | 80.4957% | 4,164 |
| Equity capital to assets | 14.8649% | 560 |
| Core capital (leverage) ratio | 10.0141% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9684% | 2,377 |
| Memoranda: | ||
| Average total assets | $15,956,225,000 | 118 |
| Average earning assets | $13,530,678,000 | 124 |
| Average equity | $2,349,147,000 | 103 |
| Average total loans | $9,712,113,750 | 123 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 2,582 |
| Cost of funding earning assets | 0.1278% | 4,368 |
| Net interest margin | 3.4843% | 1,905 |
| Noninterest income to average assets | 0.9894% | 1,089 |
| Noninterest expense to average assets | 2.2632% | 2,869 |
| Loan and lease loss provision to assets | -0.0031% | 4,387 |
| Net operating income to assets | 1.3667% | 1,662 |
| Return on assets (ROA) | 1.3625% | 1,749 |
| Pretax return on assets | 1.6749% | 1,545 |
| Return on Equity (ROE) | 9.2845% | 3,016 |
| Retained earnings to average equity (ytd only) | 2.8899% | 3,871 |
| Net charge-offs to loans | 0.3011% | 288 |
| Credit loss provision to net charge-offs | -8.8351% | 2,906 |
| Earnings coverage of net charge-offs (x) | 9.0665% | 1,853 |
| Efficiency ratio | 55.8656% | 3,560 |
| Assets per employee ($millions) | 7.7720% | 1,318 |
| Cash dividends to net income (ytd only)* | 68.8737% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 1,121 |
| Loan loss allowance to noncurrent loans | 184.4438% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 1,530 |
| Noncurrent loans to loans | 0.9067% | 1,368 |
| Net loans and leases to total assets | 58.8087% | 2,569 |
| Net loans and leases to deposits | 74.2137% | 1,975 |
| Net loans and leases to core deposits | 78.2688% | 2,028 |
| Total domestic deposits to total assets | 79.2423% | 4,318 |
| Equity capital to assets | 14.7947% | 565 |
| Core capital (leverage) ratio | 9.8921% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0202% | 2,361 |
| Memoranda: | ||
| Average total assets | $15,984,267,667 | 117 |
| Average earning assets | $13,536,607,667 | 123 |
| Average equity | $2,345,737,333 | 104 |
| Average total loans | $9,817,896,000 | 123 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 2,583 |
| Cost of funding earning assets | 0.1402% | 4,382 |
| Net interest margin | 3.4785% | 1,889 |
| Noninterest income to average assets | 0.9740% | 1,178 |
| Noninterest expense to average assets | 2.1916% | 3,131 |
| Loan and lease loss provision to assets | 0.0997% | 1,353 |
| Net operating income to assets | 1.3231% | 1,751 |
| Return on assets (ROA) | 1.3203% | 1,845 |
| Pretax return on assets | 1.6254% | 1,663 |
| Return on Equity (ROE) | 9.0331% | 3,027 |
| Retained earnings to average equity (ytd only) | 3.0458% | 3,768 |
| Net charge-offs to loans | 0.3699% | 230 |
| Credit loss provision to net charge-offs | 37.4756% | 1,361 |
| Earnings coverage of net charge-offs (x) | 7.5100% | 1,610 |
| Efficiency ratio | 54.3239% | 3,749 |
| Assets per employee ($millions) | 7.8036% | 1,287 |
| Cash dividends to net income (ytd only)* | 66.2816% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,040 |
| Loan loss allowance to noncurrent loans | 199.1176% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 1,770 |
| Noncurrent loans to loans | 0.8561% | 1,570 |
| Net loans and leases to total assets | 60.8655% | 2,421 |
| Net loans and leases to deposits | 76.4996% | 1,853 |
| Net loans and leases to core deposits | 81.7023% | 1,866 |
| Total domestic deposits to total assets | 79.5631% | 4,261 |
| Equity capital to assets | 14.4850% | 576 |
| Core capital (leverage) ratio | 9.9849% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9510% | 2,305 |
| Memoranda: | ||
| Average total assets | $15,998,445,500 | 118 |
| Average earning assets | $13,550,055,000 | 121 |
| Average equity | $2,338,289,000 | 102 |
| Average total loans | $9,955,316,000 | 121 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 2,486 |
| Cost of funding earning assets | 0.4226% | 3,443 |
| Net interest margin | 3.6568% | 1,951 |
| Noninterest income to average assets | 1.1141% | 856 |
| Noninterest expense to average assets | 2.4379% | 3,024 |
| Loan and lease loss provision to assets | 0.4599% | 599 |
| Net operating income to assets | 1.0631% | 2,055 |
| Return on assets (ROA) | 1.1358% | 1,902 |
| Pretax return on assets | 1.3597% | 1,786 |
| Return on Equity (ROE) | 7.7153% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.1851% | 2,721 |
| Net charge-offs to loans | 0.1457% | 1,116 |
| Credit loss provision to net charge-offs | 496.0135% | 1,261 |
| Earnings coverage of net charge-offs (x) | 18.6917% | 2,012 |
| Efficiency ratio | 56.7165% | 3,893 |
| Assets per employee ($millions) | 7.6617% | 1,182 |
| Cash dividends to net income (ytd only)* | 45.7559% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 914 |
| Loan loss allowance to noncurrent loans | 217.0994% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 2,003 |
| Noncurrent loans to loans | 0.8139% | 1,718 |
| Net loans and leases to total assets | 61.4314% | 2,672 |
| Net loans and leases to deposits | 78.7062% | 2,008 |
| Net loans and leases to core deposits | 84.8411% | 1,959 |
| Total domestic deposits to total assets | 78.0515% | 4,310 |
| Equity capital to assets | 14.7481% | 616 |
| Core capital (leverage) ratio | 10.1380% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9183% | 2,272 |
| Memoranda: | ||
| Average total assets | $15,394,173,600 | 114 |
| Average earning assets | $12,868,277,200 | 119 |
| Average equity | $2,266,144,800 | 102 |
| Average total loans | $9,797,609,800 | 119 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,577 |
| Cost of funding earning assets | 0.4912% | 3,281 |
| Net interest margin | 3.6422% | 2,116 |
| Noninterest income to average assets | 1.0848% | 883 |
| Noninterest expense to average assets | 2.3226% | 3,362 |
| Loan and lease loss provision to assets | 0.4981% | 588 |
| Net operating income to assets | 1.0629% | 2,098 |
| Return on assets (ROA) | 1.0623% | 2,233 |
| Pretax return on assets | 1.3022% | 2,038 |
| Return on Equity (ROE) | 7.2199% | 3,115 |
| Retained earnings to average equity (ytd only) | 2.4719% | 3,756 |
| Net charge-offs to loans | 0.1045% | 1,275 |
| Credit loss provision to net charge-offs | 745.6922% | 1,034 |
| Earnings coverage of net charge-offs (x) | 26.9631% | 1,680 |
| Efficiency ratio | 54.5536% | 4,094 |
| Assets per employee ($millions) | 7.6762% | 1,131 |
| Cash dividends to net income (ytd only)* | 65.7624% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 998 |
| Loan loss allowance to noncurrent loans | 216.0571% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 2,197 |
| Noncurrent loans to loans | 0.7596% | 1,908 |
| Net loans and leases to total assets | 63.7252% | 2,801 |
| Net loans and leases to deposits | 85.8200% | 1,724 |
| Net loans and leases to core deposits | 92.8854% | 1,717 |
| Total domestic deposits to total assets | 74.2544% | 4,552 |
| Equity capital to assets | 14.4175% | 756 |
| Core capital (leverage) ratio | 9.9716% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4928% | 2,421 |
| Memoranda: | ||
| Average total assets | $15,268,204,250 | 112 |
| Average earning assets | $12,738,901,500 | 120 |
| Average equity | $2,246,514,000 | 103 |
| Average total loans | $9,761,494,000 | 119 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 2,523 |
| Cost of funding earning assets | 0.5915% | 3,008 |
| Net interest margin | 3.6887% | 2,210 |
| Noninterest income to average assets | 1.0185% | 949 |
| Noninterest expense to average assets | 2.3245% | 3,459 |
| Loan and lease loss provision to assets | 0.5538% | 601 |
| Net operating income to assets | 0.9960% | 2,342 |
| Return on assets (ROA) | 0.9951% | 2,475 |
| Pretax return on assets | 1.2134% | 2,320 |
| Return on Equity (ROE) | 6.7155% | 3,243 |
| Retained earnings to average equity (ytd only) | -0.4479% | 4,395 |
| Net charge-offs to loans | 0.0466% | 1,820 |
| Credit loss provision to net charge-offs | 1,869.1894% | 507 |
| Earnings coverage of net charge-offs (x) | 59.6829% | 969 |
| Efficiency ratio | 54.9850% | 4,064 |
| Assets per employee ($millions) | 7.6111% | 1,123 |
| Cash dividends to net income (ytd only)* | 106.6695% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,121 |
| Loan loss allowance to noncurrent loans | 233.3147% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,546 |
| Noncurrent loans to loans | 0.6650% | 2,199 |
| Net loans and leases to total assets | 63.7129% | 2,915 |
| Net loans and leases to deposits | 84.3660% | 1,959 |
| Net loans and leases to core deposits | 93.1240% | 1,812 |
| Total domestic deposits to total assets | 75.5196% | 4,472 |
| Equity capital to assets | 14.1316% | 825 |
| Core capital (leverage) ratio | 9.2103% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0710% | 2,578 |
| Memoranda: | ||
| Average total assets | $15,073,836,667 | 113 |
| Average earning assets | $12,562,663,000 | 119 |
| Average equity | $2,233,565,000 | 103 |
| Average total loans | $9,592,053,000 | 117 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 2,154 |
| Cost of funding earning assets | 0.7473% | 2,683 |
| Net interest margin | 3.8028% | 1,963 |
| Noninterest income to average assets | 0.9516% | 951 |
| Noninterest expense to average assets | 2.3833% | 3,569 |
| Loan and lease loss provision to assets | 0.6493% | 412 |
| Net operating income to assets | 0.8976% | 2,532 |
| Return on assets (ROA) | 0.8956% | 2,640 |
| Pretax return on assets | 1.0868% | 2,567 |
| Return on Equity (ROE) | 5.8978% | 3,353 |
| Retained earnings to average equity (ytd only) | -3.0551% | 4,361 |
| Net charge-offs to loans | -0.0367% | 4,536 |
| Credit loss provision to net charge-offs | -2,809.4118% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9795% | 4,210 |
| Assets per employee ($millions) | 7.2504% | 979 |
| Cash dividends to net income (ytd only)* | 151.8004% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,217 |
| Loan loss allowance to noncurrent loans | 295.7736% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 3,102 |
| Noncurrent loans to loans | 0.5211% | 2,700 |
| Net loans and leases to total assets | 61.3298% | 3,369 |
| Net loans and leases to deposits | 85.7994% | 2,028 |
| Net loans and leases to core deposits | 97.1864% | 1,703 |
| Total domestic deposits to total assets | 71.4805% | 4,794 |
| Equity capital to assets | 14.6542% | 846 |
| Core capital (leverage) ratio | 9.7869% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7875% | 2,805 |
| Memoranda: | ||
| Average total assets | $14,710,466,000 | 113 |
| Average earning assets | $12,263,110,500 | 116 |
| Average equity | $2,233,910,500 | 102 |
| Average total loans | $9,275,249,000 | 121 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 1,491 |
| Cost of funding earning assets | 0.9364% | 2,030 |
| Net interest margin | 4.0599% | 1,648 |
| Noninterest income to average assets | 0.8931% | 1,186 |
| Noninterest expense to average assets | 2.2867% | 3,973 |
| Loan and lease loss provision to assets | 0.2151% | 922 |
| Net operating income to assets | 1.5074% | 1,034 |
| Return on assets (ROA) | 1.5072% | 1,100 |
| Pretax return on assets | 1.8620% | 813 |
| Return on Equity (ROE) | 9.8273% | 2,376 |
| Retained earnings to average equity (ytd only) | 0.8881% | 4,419 |
| Net charge-offs to loans | 0.3280% | 632 |
| Credit loss provision to net charge-offs | 103.7572% | 2,384 |
| Earnings coverage of net charge-offs (x) | 10.0190% | 2,606 |
| Efficiency ratio | 50.8411% | 4,685 |
| Assets per employee ($millions) | 6.9900% | 1,040 |
| Cash dividends to net income (ytd only)* | 90.9625% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6256% | 4,696 |
| Loan loss allowance to noncurrent loans | 119.1953% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 3,012 |
| Noncurrent loans to loans | 0.5248% | 2,610 |
| Net loans and leases to total assets | 63.4439% | 3,261 |
| Net loans and leases to deposits | 89.1801% | 1,678 |
| Net loans and leases to core deposits | 99.0277% | 1,645 |
| Total domestic deposits to total assets | 71.1414% | 4,891 |
| Equity capital to assets | 15.7378% | 652 |
| Core capital (leverage) ratio | 9.9318% | 3,591 |
| Tier 1 risk-based capital ratio | 12.1123% | 4,297 |
| Total risk-based capital ratio | 12.7091% | 4,530 |
| Memoranda: | ||
| Average total assets | $14,223,316,800 | 109 |
| Average earning assets | $12,159,758,000 | 112 |
| Average equity | $2,181,406,200 | 99 |
| Average total loans | $8,989,917,000 | 117 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 1,423 |
| Cost of funding earning assets | 0.9599% | 1,936 |
| Net interest margin | 4.0887% | 1,649 |
| Noninterest income to average assets | 0.8585% | 1,244 |
| Noninterest expense to average assets | 2.2191% | 4,148 |
| Loan and lease loss provision to assets | 0.2443% | 676 |
| Net operating income to assets | 1.5239% | 1,124 |
| Return on assets (ROA) | 1.5244% | 1,177 |
| Pretax return on assets | 1.9002% | 866 |
| Return on Equity (ROE) | 10.0064% | 2,426 |
| Retained earnings to average equity (ytd only) | 2.5952% | 4,053 |
| Net charge-offs to loans | 0.3874% | 431 |
| Credit loss provision to net charge-offs | 100.0385% | 2,245 |
| Earnings coverage of net charge-offs (x) | 8.7773% | 2,629 |
| Efficiency ratio | 49.5395% | 4,769 |
| Assets per employee ($millions) | 6.9813% | 1,034 |
| Cash dividends to net income (ytd only)* | 74.0645% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 4,774 |
| Loan loss allowance to noncurrent loans | 92.7401% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 2,781 |
| Noncurrent loans to loans | 0.6710% | 2,275 |
| Net loans and leases to total assets | 62.6716% | 3,425 |
| Net loans and leases to deposits | 89.1539% | 1,795 |
| Net loans and leases to core deposits | 99.5032% | 1,698 |
| Total domestic deposits to total assets | 70.2959% | 4,982 |
| Equity capital to assets | 15.9369% | 642 |
| Core capital (leverage) ratio | 10.1812% | 3,444 |
| Tier 1 risk-based capital ratio | 12.4374% | 4,183 |
| Total risk-based capital ratio | 13.0297% | 4,423 |
| Memoranda: | ||
| Average total assets | $14,170,568,250 | 110 |
| Average earning assets | $12,145,690,000 | 112 |
| Average equity | $2,158,845,250 | 100 |
| Average total loans | $8,933,560,000 | 119 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 1,386 |
| Cost of funding earning assets | 0.9482% | 1,922 |
| Net interest margin | 4.0853% | 1,651 |
| Noninterest income to average assets | 0.8527% | 1,196 |
| Noninterest expense to average assets | 2.1884% | 4,246 |
| Loan and lease loss provision to assets | 0.2944% | 473 |
| Net operating income to assets | 1.5249% | 1,077 |
| Return on assets (ROA) | 1.5238% | 1,130 |
| Pretax return on assets | 1.8966% | 845 |
| Return on Equity (ROE) | 10.1617% | 2,314 |
| Retained earnings to average equity (ytd only) | 2.5895% | 3,897 |
| Net charge-offs to loans | 0.3543% | 471 |
| Credit loss provision to net charge-offs | 131.8228% | 1,649 |
| Earnings coverage of net charge-offs (x) | 9.8174% | 2,313 |
| Efficiency ratio | 48.6295% | 4,861 |
| Assets per employee ($millions) | 6.9177% | 1,044 |
| Cash dividends to net income (ytd only)* | 74.5170% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6838% | 4,740 |
| Loan loss allowance to noncurrent loans | 119.6102% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,045 |
| Noncurrent loans to loans | 0.5717% | 2,546 |
| Net loans and leases to total assets | 62.2480% | 3,515 |
| Net loans and leases to deposits | 87.4397% | 2,065 |
| Net loans and leases to core deposits | 97.4614% | 1,931 |
| Total domestic deposits to total assets | 71.1896% | 5,008 |
| Equity capital to assets | 15.0191% | 803 |
| Core capital (leverage) ratio | 9.9680% | 3,612 |
| Tier 1 risk-based capital ratio | 12.3273% | 4,228 |
| Total risk-based capital ratio | 12.9805% | 4,458 |
| Memoranda: | ||
| Average total assets | $14,090,926,330 | 110 |
| Average earning assets | $12,169,221,330 | 112 |
| Average equity | $2,112,985,330 | 100 |
| Average total loans | $8,882,344,670 | 120 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 1,268 |
| Cost of funding earning assets | 0.9231% | 1,908 |
| Net interest margin | 4.1052% | 1,539 |
| Noninterest income to average assets | 0.7449% | 1,443 |
| Noninterest expense to average assets | 2.1089% | 4,447 |
| Loan and lease loss provision to assets | 0.4036% | 284 |
| Net operating income to assets | 1.4472% | 1,243 |
| Return on assets (ROA) | 1.4452% | 1,278 |
| Pretax return on assets | 1.7809% | 1,016 |
| Return on Equity (ROE) | 9.6456% | 2,523 |
| Retained earnings to average equity (ytd only) | 0.0809% | 4,513 |
| Net charge-offs to loans | 0.6303% | 238 |
| Credit loss provision to net charge-offs | 101.2947% | 1,557 |
| Earnings coverage of net charge-offs (x) | 5.4882% | 2,261 |
| Efficiency ratio | 47.7272% | 4,955 |
| Assets per employee ($millions) | 6.7070% | 1,137 |
| Cash dividends to net income (ytd only)* | 99.1611% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 4,861 |
| Loan loss allowance to noncurrent loans | 95.1169% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 2,837 |
| Noncurrent loans to loans | 0.6763% | 2,327 |
| Net loans and leases to total assets | 62.5879% | 3,450 |
| Net loans and leases to deposits | 85.5319% | 2,185 |
| Net loans and leases to core deposits | 95.7143% | 1,953 |
| Total domestic deposits to total assets | 73.1749% | 4,987 |
| Equity capital to assets | 15.0366% | 749 |
| Core capital (leverage) ratio | 9.8270% | 3,787 |
| Tier 1 risk-based capital ratio | 12.4166% | 4,225 |
| Total risk-based capital ratio | 13.0444% | 4,473 |
| Memoranda: | ||
| Average total assets | $13,955,850,500 | 111 |
| Average earning assets | $12,071,953,000 | 113 |
| Average equity | $2,091,023,000 | 100 |
| Average total loans | $8,823,002,000 | 121 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 718 |
| Cost of funding earning assets | 0.7911% | 1,567 |
| Net interest margin | 4.3956% | 947 |
| Noninterest income to average assets | 0.8527% | 1,303 |
| Noninterest expense to average assets | 2.5769% | 3,399 |
| Loan and lease loss provision to assets | 0.1230% | 1,794 |
| Net operating income to assets | 1.6083% | 853 |
| Return on assets (ROA) | 1.6058% | 847 |
| Pretax return on assets | 2.0122% | 551 |
| Return on Equity (ROE) | 11.7514% | 1,798 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,678 |
| Net charge-offs to loans | 0.1558% | 1,233 |
| Credit loss provision to net charge-offs | 120.8952% | 2,153 |
| Earnings coverage of net charge-offs (x) | 21.0138% | 1,967 |
| Efficiency ratio | 53.3344% | 4,677 |
| Assets per employee ($millions) | 6.7121% | 1,108 |
| Cash dividends to net income (ytd only)* | 55.9749% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 4,906 |
| Loan loss allowance to noncurrent loans | 79.9033% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 2,519 |
| Noncurrent loans to loans | 0.8015% | 2,001 |
| Net loans and leases to total assets | 63.0435% | 3,459 |
| Net loans and leases to deposits | 85.7651% | 2,300 |
| Net loans and leases to core deposits | 95.0661% | 2,131 |
| Total domestic deposits to total assets | 73.5072% | 4,975 |
| Equity capital to assets | 14.9294% | 726 |
| Core capital (leverage) ratio | 9.8866% | 3,706 |
| Tier 1 risk-based capital ratio | 12.5001% | 4,139 |
| Total risk-based capital ratio | 13.1330% | 4,392 |
| Memoranda: | ||
| Average total assets | $11,856,731,400 | 120 |
| Average earning assets | $10,418,669,800 | 123 |
| Average equity | $1,620,211,800 | 114 |
| Average total loans | $7,744,879,000 | 129 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 682 |
| Cost of funding earning assets | 0.7631% | 1,517 |
| Net interest margin | 4.3903% | 916 |
| Noninterest income to average assets | 0.8582% | 1,311 |
| Noninterest expense to average assets | 2.6580% | 3,101 |
| Loan and lease loss provision to assets | 0.1090% | 1,844 |
| Net operating income to assets | 1.5519% | 1,062 |
| Return on assets (ROA) | 1.5486% | 1,071 |
| Pretax return on assets | 1.9622% | 690 |
| Return on Equity (ROE) | 11.6633% | 1,923 |
| Retained earnings to average equity (ytd only) | 4.2639% | 3,638 |
| Net charge-offs to loans | 0.0996% | 1,500 |
| Credit loss provision to net charge-offs | 166.1770% | 1,600 |
| Earnings coverage of net charge-offs (x) | 31.6292% | 1,561 |
| Efficiency ratio | 54.9123% | 4,518 |
| Assets per employee ($millions) | 6.7902% | 1,022 |
| Cash dividends to net income (ytd only)* | 63.4418% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 4,970 |
| Loan loss allowance to noncurrent loans | 135.7617% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,395 |
| Noncurrent loans to loans | 0.4798% | 2,947 |
| Net loans and leases to total assets | 63.9259% | 3,438 |
| Net loans and leases to deposits | 89.4803% | 1,965 |
| Net loans and leases to core deposits | 97.1704% | 2,003 |
| Total domestic deposits to total assets | 71.4413% | 5,165 |
| Equity capital to assets | 14.7824% | 764 |
| Core capital (leverage) ratio | 9.5971% | 4,063 |
| Tier 1 risk-based capital ratio | 12.1616% | 4,401 |
| Total risk-based capital ratio | 12.8063% | 4,647 |
| Memoranda: | ||
| Average total assets | $11,342,345,750 | 122 |
| Average earning assets | $10,011,504,500 | 124 |
| Average equity | $1,505,936,250 | 118 |
| Average total loans | $7,473,952,250 | 133 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 699 |
| Cost of funding earning assets | 0.7243% | 1,499 |
| Net interest margin | 4.3466% | 946 |
| Noninterest income to average assets | 0.8706% | 1,270 |
| Noninterest expense to average assets | 2.7640% | 2,789 |
| Loan and lease loss provision to assets | 0.1146% | 1,728 |
| Net operating income to assets | 1.4662% | 1,238 |
| Return on assets (ROA) | 1.4657% | 1,243 |
| Pretax return on assets | 1.8608% | 861 |
| Return on Equity (ROE) | 11.6131% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.5619% | 2,275 |
| Net charge-offs to loans | 0.1707% | 914 |
| Credit loss provision to net charge-offs | 100.9193% | 2,004 |
| Earnings coverage of net charge-offs (x) | 17.3943% | 1,952 |
| Efficiency ratio | 57.2522% | 4,332 |
| Assets per employee ($millions) | 6.5378% | 1,160 |
| Cash dividends to net income (ytd only)* | 43.4960% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6076% | 5,093 |
| Loan loss allowance to noncurrent loans | 130.4923% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,516 |
| Noncurrent loans to loans | 0.4656% | 3,037 |
| Net loans and leases to total assets | 63.8856% | 3,417 |
| Net loans and leases to deposits | 86.9583% | 2,230 |
| Net loans and leases to core deposits | 95.7514% | 2,080 |
| Total domestic deposits to total assets | 73.4669% | 5,088 |
| Equity capital to assets | 14.7377% | 748 |
| Core capital (leverage) ratio | 9.4369% | 4,191 |
| Tier 1 risk-based capital ratio | 12.0430% | 4,468 |
| Total risk-based capital ratio | 12.6550% | 4,741 |
| Memoranda: | ||
| Average total assets | $10,532,953,000 | 127 |
| Average earning assets | $9,376,730,670 | 127 |
| Average equity | $1,329,377,000 | 132 |
| Average total loans | $7,011,718,670 | 138 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,917 |
| Cost of funding earning assets | 0.6453% | 1,747 |
| Net interest margin | 3.8384% | 2,266 |
| Noninterest income to average assets | 0.7619% | 1,587 |
| Noninterest expense to average assets | 2.2021% | 4,410 |
| Loan and lease loss provision to assets | 0.1037% | 1,788 |
| Net operating income to assets | 1.5264% | 1,018 |
| Return on assets (ROA) | 1.5264% | 1,022 |
| Pretax return on assets | 1.9419% | 658 |
| Return on Equity (ROE) | 13.9145% | 1,032 |
| Retained earnings to average equity (ytd only) | 7.7524% | 1,938 |
| Net charge-offs to loans | 0.1282% | 1,031 |
| Credit loss provision to net charge-offs | 118.4156% | 1,391 |
| Earnings coverage of net charge-offs (x) | 23.3498% | 1,383 |
| Efficiency ratio | 51.5442% | 4,995 |
| Assets per employee ($millions) | 6.8903% | 1,005 |
| Cash dividends to net income (ytd only)* | 44.2857% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,487 |
| Loan loss allowance to noncurrent loans | 170.2354% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 3,339 |
| Noncurrent loans to loans | 0.5228% | 2,953 |
| Net loans and leases to total assets | 68.1829% | 2,744 |
| Net loans and leases to deposits | 85.7168% | 2,198 |
| Net loans and leases to core deposits | 95.9801% | 1,978 |
| Total domestic deposits to total assets | 79.5443% | 4,488 |
| Equity capital to assets | 11.0164% | 2,556 |
| Core capital (leverage) ratio | 9.4619% | 4,105 |
| Tier 1 risk-based capital ratio | 11.3275% | 4,964 |
| Total risk-based capital ratio | 12.1900% | 5,070 |
| Memoranda: | ||
| Average total assets | $8,875,860,500 | 147 |
| Average earning assets | $8,060,515,000 | 146 |
| Average equity | $973,689,500 | 160 |
| Average total loans | $6,067,377,000 | 153 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 2,481 |
| Cost of funding earning assets | 0.5540% | 1,917 |
| Net interest margin | 3.6998% | 2,803 |
| Noninterest income to average assets | 0.8473% | 1,416 |
| Noninterest expense to average assets | 2.6297% | 3,353 |
| Loan and lease loss provision to assets | 0.0414% | 3,433 |
| Net operating income to assets | 1.2224% | 1,449 |
| Return on assets (ROA) | 1.2376% | 1,422 |
| Pretax return on assets | 1.5434% | 1,477 |
| Return on Equity (ROE) | 11.4076% | 1,361 |
| Retained earnings to average equity (ytd only) | 5.5906% | 1,780 |
| Net charge-offs to loans | 0.1278% | 1,769 |
| Credit loss provision to net charge-offs | 47.6203% | 3,357 |
| Earnings coverage of net charge-offs (x) | 18.0110% | 2,097 |
| Efficiency ratio | 62.3207% | 3,891 |
| Assets per employee ($millions) | 6.8023% | 1,055 |
| Cash dividends to net income (ytd only)* | 50.9923% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,484 |
| Loan loss allowance to noncurrent loans | 215.8940% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,630 |
| Noncurrent loans to loans | 0.4153% | 3,282 |
| Net loans and leases to total assets | 67.3116% | 2,912 |
| Net loans and leases to deposits | 85.8747% | 2,277 |
| Net loans and leases to core deposits | 92.9713% | 2,288 |
| Total domestic deposits to total assets | 78.3835% | 4,657 |
| Equity capital to assets | 10.9237% | 2,709 |
| Core capital (leverage) ratio | 9.2876% | 4,307 |
| Tier 1 risk-based capital ratio | 11.2164% | 5,032 |
| Total risk-based capital ratio | 12.0920% | 5,126 |
| Memoranda: | ||
| Average total assets | $8,652,105,200 | 145 |
| Average earning assets | $7,829,862,800 | 144 |
| Average equity | $938,629,800 | 157 |
| Average total loans | $5,887,249,400 | 149 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 2,641 |
| Cost of funding earning assets | 0.5486% | 1,904 |
| Net interest margin | 3.6446% | 2,979 |
| Noninterest income to average assets | 0.8632% | 1,393 |
| Noninterest expense to average assets | 2.2965% | 4,306 |
| Loan and lease loss provision to assets | 0.0587% | 2,904 |
| Net operating income to assets | 1.2071% | 1,663 |
| Return on assets (ROA) | 1.2240% | 1,628 |
| Pretax return on assets | 1.8292% | 825 |
| Return on Equity (ROE) | 11.3027% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.4170% | 2,592 |
| Net charge-offs to loans | 0.1643% | 1,259 |
| Credit loss provision to net charge-offs | 52.4951% | 2,885 |
| Earnings coverage of net charge-offs (x) | 16.6504% | 2,155 |
| Efficiency ratio | 54.8501% | 4,865 |
| Assets per employee ($millions) | 6.4259% | 1,228 |
| Cash dividends to net income (ytd only)* | 52.0734% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 4,529 |
| Loan loss allowance to noncurrent loans | 166.4754% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 3,397 |
| Noncurrent loans to loans | 0.5466% | 3,060 |
| Net loans and leases to total assets | 67.8075% | 2,867 |
| Net loans and leases to deposits | 87.4376% | 2,136 |
| Net loans and leases to core deposits | 92.5943% | 2,387 |
| Total domestic deposits to total assets | 77.5496% | 4,799 |
| Equity capital to assets | 10.8957% | 2,965 |
| Core capital (leverage) ratio | 9.2093% | 4,509 |
| Tier 1 risk-based capital ratio | 11.0954% | 5,192 |
| Total risk-based capital ratio | 11.9779% | 5,287 |
| Memoranda: | ||
| Average total assets | $8,597,586,250 | 148 |
| Average earning assets | $7,775,421,500 | 148 |
| Average equity | $931,049,750 | 160 |
| Average total loans | $5,852,890,500 | 148 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 2,721 |
| Cost of funding earning assets | 0.4944% | 2,214 |
| Net interest margin | 3.6401% | 2,875 |
| Noninterest income to average assets | 0.7789% | 1,652 |
| Noninterest expense to average assets | 2.2577% | 4,446 |
| Loan and lease loss provision to assets | 0.0195% | 3,583 |
| Net operating income to assets | 1.1900% | 1,629 |
| Return on assets (ROA) | 1.2108% | 1,598 |
| Pretax return on assets | 1.8228% | 791 |
| Return on Equity (ROE) | 11.2046% | 1,566 |
| Retained earnings to average equity (ytd only) | 5.2261% | 2,564 |
| Net charge-offs to loans | 0.1351% | 1,351 |
| Credit loss provision to net charge-offs | 21.2647% | 2,779 |
| Earnings coverage of net charge-offs (x) | 19.7231% | 1,821 |
| Efficiency ratio | 55.1167% | 4,912 |
| Assets per employee ($millions) | 6.0822% | 1,396 |
| Cash dividends to net income (ytd only)* | 53.3581% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,501 |
| Loan loss allowance to noncurrent loans | 140.4120% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 3,039 |
| Noncurrent loans to loans | 0.6640% | 2,760 |
| Net loans and leases to total assets | 67.0870% | 2,937 |
| Net loans and leases to deposits | 89.3425% | 1,827 |
| Net loans and leases to core deposits | 92.8855% | 2,259 |
| Total domestic deposits to total assets | 75.0896% | 5,193 |
| Equity capital to assets | 10.8013% | 3,034 |
| Core capital (leverage) ratio | 9.1838% | 4,511 |
| Tier 1 risk-based capital ratio | 11.1589% | 5,171 |
| Total risk-based capital ratio | 12.0681% | 5,262 |
| Memoranda: | ||
| Average total assets | $8,543,926,000 | 148 |
| Average earning assets | $7,720,932,000 | 146 |
| Average equity | $923,296,330 | 160 |
| Average total loans | $5,806,019,670 | 147 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 2,576 |
| Cost of funding earning assets | 0.4368% | 2,648 |
| Net interest margin | 3.6839% | 2,547 |
| Noninterest income to average assets | 0.7966% | 1,566 |
| Noninterest expense to average assets | 2.2691% | 4,486 |
| Loan and lease loss provision to assets | 0.0173% | 3,349 |
| Net operating income to assets | 1.2208% | 1,459 |
| Return on assets (ROA) | 1.2369% | 1,450 |
| Pretax return on assets | 1.8624% | 703 |
| Return on Equity (ROE) | 11.4427% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.4136% | 2,657 |
| Net charge-offs to loans | 0.1389% | 1,107 |
| Credit loss provision to net charge-offs | 18.3317% | 2,179 |
| Earnings coverage of net charge-offs (x) | 19.6249% | 1,520 |
| Efficiency ratio | 54.6331% | 5,076 |
| Assets per employee ($millions) | 5.9819% | 1,521 |
| Cash dividends to net income (ytd only)* | 52.6899% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 4,409 |
| Loan loss allowance to noncurrent loans | 153.5522% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 3,259 |
| Noncurrent loans to loans | 0.6366% | 2,918 |
| Net loans and leases to total assets | 66.9792% | 2,817 |
| Net loans and leases to deposits | 86.6345% | 1,963 |
| Net loans and leases to core deposits | 91.1008% | 2,253 |
| Total domestic deposits to total assets | 77.3124% | 5,075 |
| Equity capital to assets | 10.8315% | 2,819 |
| Core capital (leverage) ratio | 9.2121% | 4,465 |
| Tier 1 risk-based capital ratio | 11.2470% | 5,174 |
| Total risk-based capital ratio | 12.1994% | 5,254 |
| Memoranda: | ||
| Average total assets | $8,470,164,000 | 147 |
| Average earning assets | $7,651,679,500 | 146 |
| Average equity | $915,550,500 | 158 |
| Average total loans | $5,766,177,500 | 147 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,824 |
| Cost of funding earning assets | 0.3641% | 3,374 |
| Net interest margin | 3.7422% | 2,533 |
| Noninterest income to average assets | 0.8221% | 1,671 |
| Noninterest expense to average assets | 2.3162% | 4,522 |
| Loan and lease loss provision to assets | 0.1226% | 2,013 |
| Net operating income to assets | 1.1794% | 1,570 |
| Return on assets (ROA) | 1.1812% | 1,664 |
| Pretax return on assets | 1.7555% | 877 |
| Return on Equity (ROE) | 11.1264% | 1,537 |
| Retained earnings to average equity (ytd only) | 5.1265% | 2,261 |
| Net charge-offs to loans | 0.0988% | 2,298 |
| Credit loss provision to net charge-offs | 181.8182% | 1,542 |
| Earnings coverage of net charge-offs (x) | 27.8209% | 1,499 |
| Efficiency ratio | 54.8045% | 5,170 |
| Assets per employee ($millions) | 5.9311% | 1,528 |
| Cash dividends to net income (ytd only)* | 53.9252% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,297 |
| Loan loss allowance to noncurrent loans | 229.4304% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,784 |
| Noncurrent loans to loans | 0.4378% | 3,576 |
| Net loans and leases to total assets | 67.8290% | 2,800 |
| Net loans and leases to deposits | 86.7517% | 2,082 |
| Net loans and leases to core deposits | 92.7095% | 2,234 |
| Total domestic deposits to total assets | 78.1876% | 4,946 |
| Equity capital to assets | 10.7865% | 2,830 |
| Core capital (leverage) ratio | 9.1286% | 4,586 |
| Tier 1 risk-based capital ratio | 11.1316% | 5,269 |
| Total risk-based capital ratio | 12.1174% | 5,301 |
| Memoranda: | ||
| Average total assets | $8,273,570,000 | 141 |
| Average earning assets | $7,449,475,200 | 141 |
| Average equity | $878,341,800 | 159 |
| Average total loans | $5,643,789,000 | 142 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 2,912 |
| Cost of funding earning assets | 0.3632% | 3,407 |
| Net interest margin | 3.7258% | 2,615 |
| Noninterest income to average assets | 0.8124% | 1,708 |
| Noninterest expense to average assets | 2.3217% | 4,484 |
| Loan and lease loss provision to assets | 0.1195% | 1,940 |
| Net operating income to assets | 1.1573% | 1,777 |
| Return on assets (ROA) | 1.1598% | 1,872 |
| Pretax return on assets | 1.7270% | 1,044 |
| Return on Equity (ROE) | 10.9696% | 1,683 |
| Retained earnings to average equity (ytd only) | 4.9064% | 2,894 |
| Net charge-offs to loans | 0.0751% | 2,247 |
| Credit loss provision to net charge-offs | 233.5866% | 1,258 |
| Earnings coverage of net charge-offs (x) | 36.0349% | 1,319 |
| Efficiency ratio | 55.2933% | 5,126 |
| Assets per employee ($millions) | 5.9577% | 1,462 |
| Cash dividends to net income (ytd only)* | 55.2725% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,456 |
| Loan loss allowance to noncurrent loans | 239.6556% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 3,902 |
| Noncurrent loans to loans | 0.4140% | 3,790 |
| Net loans and leases to total assets | 68.8315% | 2,676 |
| Net loans and leases to deposits | 89.8906% | 1,771 |
| Net loans and leases to core deposits | 96.2938% | 1,962 |
| Total domestic deposits to total assets | 76.5726% | 5,157 |
| Equity capital to assets | 10.8515% | 3,202 |
| Core capital (leverage) ratio | 9.0146% | 4,817 |
| Tier 1 risk-based capital ratio | 10.8953% | 5,427 |
| Total risk-based capital ratio | 11.8711% | 5,479 |
| Memoranda: | ||
| Average total assets | $8,236,427,500 | 141 |
| Average earning assets | $7,410,110,500 | 141 |
| Average equity | $870,813,000 | 160 |
| Average total loans | $5,612,082,000 | 143 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,003 |
| Cost of funding earning assets | 0.3584% | 3,471 |
| Net interest margin | 3.7082% | 2,661 |
| Noninterest income to average assets | 0.8079% | 1,678 |
| Noninterest expense to average assets | 2.3118% | 4,578 |
| Loan and lease loss provision to assets | 0.1389% | 1,634 |
| Net operating income to assets | 1.1238% | 1,874 |
| Return on assets (ROA) | 1.1211% | 1,990 |
| Pretax return on assets | 1.6886% | 1,125 |
| Return on Equity (ROE) | 10.6991% | 1,760 |
| Retained earnings to average equity (ytd only) | 4.5753% | 2,998 |
| Net charge-offs to loans | 0.0859% | 1,987 |
| Credit loss provision to net charge-offs | 238.9589% | 1,146 |
| Earnings coverage of net charge-offs (x) | 31.5168% | 1,361 |
| Efficiency ratio | 55.3365% | 5,212 |
| Assets per employee ($millions) | 5.9080% | 1,470 |
| Cash dividends to net income (ytd only)* | 57.2361% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 4,574 |
| Loan loss allowance to noncurrent loans | 188.3736% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 3,630 |
| Noncurrent loans to loans | 0.5271% | 3,502 |
| Net loans and leases to total assets | 68.2239% | 2,748 |
| Net loans and leases to deposits | 91.6170% | 1,565 |
| Net loans and leases to core deposits | 96.6976% | 1,916 |
| Total domestic deposits to total assets | 74.4664% | 5,470 |
| Equity capital to assets | 10.7836% | 3,304 |
| Core capital (leverage) ratio | 8.9804% | 4,849 |
| Tier 1 risk-based capital ratio | 10.8150% | 5,520 |
| Total risk-based capital ratio | 11.7885% | 5,566 |
| Memoranda: | ||
| Average total assets | $8,197,662,670 | 140 |
| Average earning assets | $7,373,756,670 | 141 |
| Average equity | $858,953,000 | 161 |
| Average total loans | $5,547,134,330 | 144 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 2,932 |
| Cost of funding earning assets | 0.3656% | 3,449 |
| Net interest margin | 3.7137% | 2,612 |
| Noninterest income to average assets | 0.7603% | 1,775 |
| Noninterest expense to average assets | 2.3666% | 4,470 |
| Loan and lease loss provision to assets | 0.0812% | 2,334 |
| Net operating income to assets | 1.0959% | 1,919 |
| Return on assets (ROA) | 1.0967% | 2,015 |
| Pretax return on assets | 1.6537% | 1,173 |
| Return on Equity (ROE) | 10.6238% | 1,735 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,265 |
| Net charge-offs to loans | 0.0967% | 1,550 |
| Credit loss provision to net charge-offs | 125.2839% | 1,392 |
| Earnings coverage of net charge-offs (x) | 26.7472% | 1,262 |
| Efficiency ratio | 57.2615% | 5,074 |
| Assets per employee ($millions) | 5.8819% | 1,504 |
| Cash dividends to net income (ytd only)* | 58.1655% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,748 |
| Loan loss allowance to noncurrent loans | 176.4540% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 3,524 |
| Noncurrent loans to loans | 0.5517% | 3,526 |
| Net loans and leases to total assets | 66.8582% | 2,834 |
| Net loans and leases to deposits | 87.7843% | 1,855 |
| Net loans and leases to core deposits | 94.7823% | 1,905 |
| Total domestic deposits to total assets | 76.1619% | 5,392 |
| Equity capital to assets | 10.7208% | 3,232 |
| Core capital (leverage) ratio | 8.9296% | 4,938 |
| Tier 1 risk-based capital ratio | 11.0002% | 5,506 |
| Total risk-based capital ratio | 11.9579% | 5,569 |
| Memoranda: | ||
| Average total assets | $8,152,050,000 | 142 |
| Average earning assets | $7,331,550,500 | 142 |
| Average equity | $841,507,500 | 161 |
| Average total loans | $5,464,847,500 | 146 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,405 |
| Cost of funding earning assets | 0.3110% | 4,127 |
| Net interest margin | 3.6639% | 2,887 |
| Noninterest income to average assets | 0.9505% | 1,319 |
| Noninterest expense to average assets | 2.5013% | 4,220 |
| Loan and lease loss provision to assets | 0.1276% | 1,892 |
| Net operating income to assets | 1.0832% | 1,995 |
| Return on assets (ROA) | 1.0964% | 2,012 |
| Pretax return on assets | 1.6317% | 1,162 |
| Return on Equity (ROE) | 10.9670% | 1,628 |
| Retained earnings to average equity (ytd only) | 8.6832% | 734 |
| Net charge-offs to loans | 0.1813% | 1,588 |
| Credit loss provision to net charge-offs | 105.9334% | 2,372 |
| Earnings coverage of net charge-offs (x) | 14.4401% | 2,294 |
| Efficiency ratio | 58.3895% | 5,101 |
| Assets per employee ($millions) | 5.8059% | 1,529 |
| Cash dividends to net income (ytd only)* | 20.8248% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 4,689 |
| Loan loss allowance to noncurrent loans | 136.5329% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 3,119 |
| Noncurrent loans to loans | 0.7230% | 3,015 |
| Net loans and leases to total assets | 65.8979% | 2,993 |
| Net loans and leases to deposits | 85.2145% | 2,213 |
| Net loans and leases to core deposits | 91.7261% | 2,252 |
| Total domestic deposits to total assets | 77.3317% | 5,268 |
| Equity capital to assets | 9.9221% | 4,048 |
| Core capital (leverage) ratio | 8.3282% | 5,582 |
| Tier 1 risk-based capital ratio | 10.3001% | 5,863 |
| Total risk-based capital ratio | 11.2755% | 5,887 |
| Memoranda: | ||
| Average total assets | $7,554,953,200 | 140 |
| Average earning assets | $6,784,484,200 | 140 |
| Average equity | $755,300,200 | 165 |
| Average total loans | $5,018,541,200 | 149 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,590 |
| Cost of funding earning assets | 0.3105% | 4,223 |
| Net interest margin | 3.6283% | 3,042 |
| Noninterest income to average assets | 1.0242% | 1,131 |
| Noninterest expense to average assets | 2.5400% | 4,080 |
| Loan and lease loss provision to assets | 0.1399% | 1,585 |
| Net operating income to assets | 1.0694% | 2,135 |
| Return on assets (ROA) | 1.0874% | 2,147 |
| Pretax return on assets | 1.6270% | 1,308 |
| Return on Equity (ROE) | 10.8542% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.7566% | 1,354 |
| Net charge-offs to loans | 0.1979% | 1,297 |
| Credit loss provision to net charge-offs | 106.4905% | 2,162 |
| Earnings coverage of net charge-offs (x) | 13.2440% | 2,342 |
| Efficiency ratio | 58.7872% | 5,035 |
| Assets per employee ($millions) | 5.6391% | 1,646 |
| Cash dividends to net income (ytd only)* | 28.5379% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 4,653 |
| Loan loss allowance to noncurrent loans | 101.6099% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 2,727 |
| Noncurrent loans to loans | 1.0012% | 2,481 |
| Net loans and leases to total assets | 66.0110% | 3,013 |
| Net loans and leases to deposits | 83.7609% | 2,435 |
| Net loans and leases to core deposits | 90.4201% | 2,423 |
| Total domestic deposits to total assets | 78.8089% | 5,023 |
| Equity capital to assets | 10.1475% | 3,998 |
| Core capital (leverage) ratio | 8.4112% | 5,620 |
| Tier 1 risk-based capital ratio | 10.3224% | 5,942 |
| Total risk-based capital ratio | 11.3348% | 5,967 |
| Memoranda: | ||
| Average total assets | $7,411,637,750 | 145 |
| Average earning assets | $6,650,586,000 | 143 |
| Average equity | $742,502,250 | 168 |
| Average total loans | $4,920,747,250 | 151 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,615 |
| Cost of funding earning assets | 0.3247% | 4,098 |
| Net interest margin | 3.5952% | 3,111 |
| Noninterest income to average assets | 1.0248% | 1,129 |
| Noninterest expense to average assets | 2.5041% | 4,230 |
| Loan and lease loss provision to assets | 0.1413% | 1,544 |
| Net operating income to assets | 1.0768% | 2,025 |
| Return on assets (ROA) | 1.0968% | 2,058 |
| Pretax return on assets | 1.6380% | 1,228 |
| Return on Equity (ROE) | 10.9997% | 1,680 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,335 |
| Net charge-offs to loans | 0.2124% | 1,197 |
| Credit loss provision to net charge-offs | 100.3521% | 2,031 |
| Earnings coverage of net charge-offs (x) | 12.4247% | 2,204 |
| Efficiency ratio | 58.2987% | 5,185 |
| Assets per employee ($millions) | 5.3889% | 1,846 |
| Cash dividends to net income (ytd only)* | 28.8763% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 4,406 |
| Loan loss allowance to noncurrent loans | 95.6547% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 2,583 |
| Noncurrent loans to loans | 1.1342% | 2,384 |
| Net loans and leases to total assets | 65.4926% | 3,044 |
| Net loans and leases to deposits | 83.7193% | 2,344 |
| Net loans and leases to core deposits | 87.6179% | 2,589 |
| Total domestic deposits to total assets | 78.2289% | 5,226 |
| Equity capital to assets | 10.0424% | 3,992 |
| Core capital (leverage) ratio | 8.9193% | 5,067 |
| Tier 1 risk-based capital ratio | 11.2997% | 5,579 |
| Total risk-based capital ratio | 12.3808% | 5,575 |
| Memoranda: | ||
| Average total assets | $7,261,904,000 | 148 |
| Average earning assets | $6,521,386,670 | 147 |
| Average equity | $724,111,330 | 169 |
| Average total loans | $4,813,546,330 | 154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,408 |
| Cost of funding earning assets | 0.3346% | 4,044 |
| Net interest margin | 3.6175% | 2,939 |
| Noninterest income to average assets | 0.9490% | 1,235 |
| Noninterest expense to average assets | 2.5122% | 4,228 |
| Loan and lease loss provision to assets | 0.1143% | 1,809 |
| Net operating income to assets | 1.0561% | 2,009 |
| Return on assets (ROA) | 1.0561% | 2,141 |
| Pretax return on assets | 1.5710% | 1,344 |
| Return on Equity (ROE) | 10.6299% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.2102% | 3,480 |
| Net charge-offs to loans | 0.1540% | 1,336 |
| Credit loss provision to net charge-offs | 111.8350% | 1,499 |
| Earnings coverage of net charge-offs (x) | 16.4967% | 1,564 |
| Efficiency ratio | 59.2630% | 5,186 |
| Assets per employee ($millions) | 5.3411% | 1,954 |
| Cash dividends to net income (ytd only)* | 60.3928% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 4,455 |
| Loan loss allowance to noncurrent loans | 73.0591% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 2,054 |
| Noncurrent loans to loans | 1.5203% | 1,857 |
| Net loans and leases to total assets | 65.3898% | 2,865 |
| Net loans and leases to deposits | 81.9094% | 2,343 |
| Net loans and leases to core deposits | 85.7971% | 2,569 |
| Total domestic deposits to total assets | 79.8318% | 5,090 |
| Equity capital to assets | 9.9960% | 4,150 |
| Core capital (leverage) ratio | 8.6675% | 5,358 |
| Tier 1 risk-based capital ratio | 11.0415% | 5,785 |
| Total risk-based capital ratio | 12.1379% | 5,783 |
| Memoranda: | ||
| Average total assets | $7,212,251,000 | 148 |
| Average earning assets | $6,476,478,500 | 146 |
| Average equity | $716,545,000 | 167 |
| Average total loans | $4,783,357,000 | 153 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,381 |
| Cost of funding earning assets | 0.3172% | 4,610 |
| Net interest margin | 3.7691% | 2,737 |
| Noninterest income to average assets | 0.9297% | 1,413 |
| Noninterest expense to average assets | 2.7261% | 3,764 |
| Loan and lease loss provision to assets | 0.0225% | 4,164 |
| Net operating income to assets | 1.0488% | 2,169 |
| Return on assets (ROA) | 1.0374% | 2,307 |
| Pretax return on assets | 1.5326% | 1,433 |
| Return on Equity (ROE) | 11.3408% | 1,611 |
| Retained earnings to average equity (ytd only) | 6.3544% | 1,731 |
| Net charge-offs to loans | 0.2635% | 1,639 |
| Credit loss provision to net charge-offs | 13.4035% | 4,062 |
| Earnings coverage of net charge-offs (x) | 9.3389% | 2,762 |
| Efficiency ratio | 62.9222% | 4,766 |
| Assets per employee ($millions) | 5.2578% | 2,004 |
| Cash dividends to net income (ytd only)* | 43.9685% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 4,524 |
| Loan loss allowance to noncurrent loans | 73.7869% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 2,149 |
| Noncurrent loans to loans | 1.4961% | 1,956 |
| Net loans and leases to total assets | 65.7875% | 2,923 |
| Net loans and leases to deposits | 82.9179% | 2,349 |
| Net loans and leases to core deposits | 86.4525% | 2,648 |
| Total domestic deposits to total assets | 79.3405% | 5,179 |
| Equity capital to assets | 9.8739% | 4,265 |
| Core capital (leverage) ratio | 8.4418% | 5,621 |
| Tier 1 risk-based capital ratio | 11.3758% | 5,729 |
| Total risk-based capital ratio | 12.5232% | 5,702 |
| Memoranda: | ||
| Average total assets | $6,796,302,800 | 151 |
| Average earning assets | $6,063,834,600 | 148 |
| Average equity | $621,691,000 | 175 |
| Average total loans | $4,326,013,600 | 160 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,564 |
| Cost of funding earning assets | 0.3046% | 4,846 |
| Net interest margin | 3.7439% | 2,842 |
| Noninterest income to average assets | 0.9254% | 1,435 |
| Noninterest expense to average assets | 2.7574% | 3,616 |
| Loan and lease loss provision to assets | -0.0104% | 6,093 |
| Net operating income to assets | 1.0157% | 2,383 |
| Return on assets (ROA) | 1.0048% | 2,495 |
| Pretax return on assets | 1.5018% | 1,640 |
| Return on Equity (ROE) | 11.2241% | 1,705 |
| Retained earnings to average equity (ytd only) | 6.7756% | 1,943 |
| Net charge-offs to loans | 0.2602% | 1,499 |
| Credit loss provision to net charge-offs | -6.3770% | 5,229 |
| Earnings coverage of net charge-offs (x) | 9.1796% | 2,703 |
| Efficiency ratio | 64.1861% | 4,509 |
| Assets per employee ($millions) | 5.2664% | 1,938 |
| Cash dividends to net income (ytd only)* | 39.6338% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,638 |
| Loan loss allowance to noncurrent loans | 69.4000% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 2,265 |
| Noncurrent loans to loans | 1.6210% | 2,013 |
| Net loans and leases to total assets | 64.5877% | 3,096 |
| Net loans and leases to deposits | 84.8362% | 2,054 |
| Net loans and leases to core deposits | 88.6579% | 2,356 |
| Total domestic deposits to total assets | 76.1323% | 5,798 |
| Equity capital to assets | 9.1866% | 5,160 |
| Core capital (leverage) ratio | 8.6828% | 5,460 |
| Tier 1 risk-based capital ratio | 11.3988% | 5,837 |
| Total risk-based capital ratio | 12.5902% | 5,796 |
| Memoranda: | ||
| Average total assets | $6,695,880,250 | 152 |
| Average earning assets | $5,962,632,500 | 148 |
| Average equity | $599,432,250 | 177 |
| Average total loans | $4,210,457,000 | 164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 3,381 |
| Cost of funding earning assets | 0.2988% | 4,981 |
| Net interest margin | 3.7940% | 2,592 |
| Noninterest income to average assets | 0.9171% | 1,440 |
| Noninterest expense to average assets | 2.7557% | 3,677 |
| Loan and lease loss provision to assets | -0.0437% | 6,288 |
| Net operating income to assets | 1.0531% | 2,110 |
| Return on assets (ROA) | 1.0421% | 2,215 |
| Pretax return on assets | 1.5620% | 1,356 |
| Return on Equity (ROE) | 11.7575% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.2748% | 1,222 |
| Net charge-offs to loans | 0.3418% | 1,191 |
| Credit loss provision to net charge-offs | -20.6530% | 5,104 |
| Earnings coverage of net charge-offs (x) | 7.2179% | 2,663 |
| Efficiency ratio | 63.8173% | 4,720 |
| Assets per employee ($millions) | 5.0417% | 2,159 |
| Cash dividends to net income (ytd only)* | 29.6209% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 3,601 |
| Loan loss allowance to noncurrent loans | 80.3826% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 2,119 |
| Noncurrent loans to loans | 1.6762% | 2,070 |
| Net loans and leases to total assets | 61.0176% | 3,561 |
| Net loans and leases to deposits | 80.5105% | 2,450 |
| Net loans and leases to core deposits | 83.2270% | 2,821 |
| Total domestic deposits to total assets | 75.7883% | 5,934 |
| Equity capital to assets | 9.0287% | 5,265 |
| Core capital (leverage) ratio | 8.6480% | 5,469 |
| Tier 1 risk-based capital ratio | 12.4368% | 5,275 |
| Total risk-based capital ratio | 13.8396% | 5,099 |
| Memoranda: | ||
| Average total assets | $6,478,941,670 | 154 |
| Average earning assets | $5,750,405,000 | 155 |
| Average equity | $574,273,000 | 183 |
| Average total loans | $4,014,258,670 | 165 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 3,203 |
| Cost of funding earning assets | 0.2913% | 5,161 |
| Net interest margin | 3.8293% | 2,347 |
| Noninterest income to average assets | 0.8673% | 1,493 |
| Noninterest expense to average assets | 2.8173% | 3,504 |
| Loan and lease loss provision to assets | -0.0640% | 6,464 |
| Net operating income to assets | 1.0224% | 2,116 |
| Return on assets (ROA) | 1.0126% | 2,227 |
| Pretax return on assets | 1.5028% | 1,421 |
| Return on Equity (ROE) | 11.5331% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.5331% | 671 |
| Net charge-offs to loans | 0.8100% | 428 |
| Credit loss provision to net charge-offs | -12.7515% | 4,680 |
| Earnings coverage of net charge-offs (x) | 2.8820% | 2,779 |
| Efficiency ratio | 65.4784% | 4,612 |
| Assets per employee ($millions) | 5.0483% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 3,957 |
| Loan loss allowance to noncurrent loans | 65.1972% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 1,924 |
| Noncurrent loans to loans | 2.0400% | 1,822 |
| Net loans and leases to total assets | 61.2458% | 3,356 |
| Net loans and leases to deposits | 81.1871% | 2,140 |
| Net loans and leases to core deposits | 83.8218% | 2,537 |
| Total domestic deposits to total assets | 75.4378% | 6,121 |
| Equity capital to assets | 8.8776% | 5,248 |
| Core capital (leverage) ratio | 8.5866% | 5,537 |
| Tier 1 risk-based capital ratio | 12.4843% | 5,324 |
| Total risk-based capital ratio | 13.8919% | 5,162 |
| Memoranda: | ||
| Average total assets | $6,451,389,500 | 158 |
| Average earning assets | $5,723,917,000 | 155 |
| Average equity | $566,440,000 | 182 |
| Average total loans | $4,000,703,500 | 167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 2,606 |
| Cost of funding earning assets | 0.3028% | 5,568 |
| Net interest margin | 4.0929% | 1,666 |
| Noninterest income to average assets | 1.1034% | 1,151 |
| Noninterest expense to average assets | 3.3678% | 1,952 |
| Loan and lease loss provision to assets | 0.1403% | 2,552 |
| Net operating income to assets | 0.8384% | 3,094 |
| Return on assets (ROA) | 0.8453% | 3,140 |
| Pretax return on assets | 1.2050% | 2,558 |
| Return on Equity (ROE) | 9.4529% | 2,344 |
| Retained earnings to average equity (ytd only) | -0.7630% | 6,021 |
| Net charge-offs to loans | 0.9854% | 599 |
| Credit loss provision to net charge-offs | 22.7584% | 4,397 |
| Earnings coverage of net charge-offs (x) | 2.1577% | 4,310 |
| Efficiency ratio | 71.1920% | 3,629 |
| Assets per employee ($millions) | 4.9086% | 2,302 |
| Cash dividends to net income (ytd only)* | 108.0718% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 2,847 |
| Loan loss allowance to noncurrent loans | 57.8018% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 2.4249% | 1,428 |
| Noncurrent loans to loans | 2.7325% | 1,320 |
| Net loans and leases to total assets | 60.9755% | 3,543 |
| Net loans and leases to deposits | 79.3405% | 2,546 |
| Net loans and leases to core deposits | 81.6297% | 2,941 |
| Total domestic deposits to total assets | 76.8530% | 5,994 |
| Equity capital to assets | 8.6814% | 5,395 |
| Core capital (leverage) ratio | 8.5550% | 5,604 |
| Tier 1 risk-based capital ratio | 12.3737% | 5,378 |
| Total risk-based capital ratio | 13.8023% | 5,210 |
| Memoranda: | ||
| Average total assets | $6,349,330,600 | 151 |
| Average earning assets | $5,576,487,400 | 150 |
| Average equity | $567,739,000 | 179 |
| Average total loans | $3,972,602,600 | 160 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 2,402 |
| Cost of funding earning assets | 0.3087% | 5,656 |
| Net interest margin | 4.1447% | 1,500 |
| Noninterest income to average assets | 1.2297% | 973 |
| Noninterest expense to average assets | 3.0971% | 2,661 |
| Loan and lease loss provision to assets | 0.2719% | 1,291 |
| Net operating income to assets | 1.0130% | 2,327 |
| Return on assets (ROA) | 1.0255% | 2,358 |
| Pretax return on assets | 1.5151% | 1,564 |
| Return on Equity (ROE) | 11.3852% | 1,684 |
| Retained earnings to average equity (ytd only) | 0.7522% | 5,672 |
| Net charge-offs to loans | 1.2454% | 432 |
| Credit loss provision to net charge-offs | 34.8029% | 3,805 |
| Earnings coverage of net charge-offs (x) | 2.2567% | 4,091 |
| Efficiency ratio | 63.2430% | 4,932 |
| Assets per employee ($millions) | 4.8310% | 2,393 |
| Cash dividends to net income (ytd only)* | 93.3927% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,500 |
| Loan loss allowance to noncurrent loans | 47.9716% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9306% | 1,267 |
| Noncurrent loans to loans | 3.6201% | 1,031 |
| Net loans and leases to total assets | 62.3450% | 3,299 |
| Net loans and leases to deposits | 80.7002% | 2,306 |
| Net loans and leases to core deposits | 83.0475% | 2,757 |
| Total domestic deposits to total assets | 77.2551% | 6,008 |
| Equity capital to assets | 9.0734% | 5,095 |
| Core capital (leverage) ratio | 8.7144% | 5,514 |
| Tier 1 risk-based capital ratio | 12.9635% | 5,151 |
| Total risk-based capital ratio | 14.4007% | 4,967 |
| Memoranda: | ||
| Average total assets | $6,334,012,250 | 150 |
| Average earning assets | $5,547,803,750 | 149 |
| Average equity | $570,541,000 | 176 |
| Average total loans | $3,972,846,250 | 158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 2,168 |
| Cost of funding earning assets | 0.3257% | 5,607 |
| Net interest margin | 4.1837% | 1,323 |
| Noninterest income to average assets | 1.1500% | 1,148 |
| Noninterest expense to average assets | 3.1782% | 2,409 |
| Loan and lease loss provision to assets | 0.1951% | 1,950 |
| Net operating income to assets | 0.9973% | 2,334 |
| Return on assets (ROA) | 1.0226% | 2,353 |
| Pretax return on assets | 1.4861% | 1,661 |
| Return on Equity (ROE) | 11.3798% | 1,692 |
| Retained earnings to average equity (ytd only) | 1.4138% | 5,315 |
| Net charge-offs to loans | 0.9639% | 640 |
| Credit loss provision to net charge-offs | 32.3890% | 3,549 |
| Earnings coverage of net charge-offs (x) | 2.7214% | 3,612 |
| Efficiency ratio | 65.4741% | 4,635 |
| Assets per employee ($millions) | 4.6812% | 2,542 |
| Cash dividends to net income (ytd only)* | 87.5764% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 1,879 |
| Loan loss allowance to noncurrent loans | 42.2143% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 3.5731% | 1,053 |
| Noncurrent loans to loans | 4.7111% | 720 |
| Net loans and leases to total assets | 62.9533% | 3,109 |
| Net loans and leases to deposits | 81.1065% | 2,165 |
| Net loans and leases to core deposits | 83.4746% | 2,631 |
| Total domestic deposits to total assets | 77.6181% | 6,045 |
| Equity capital to assets | 9.1159% | 5,085 |
| Core capital (leverage) ratio | 8.5934% | 5,564 |
| Tier 1 risk-based capital ratio | 13.0961% | 5,077 |
| Total risk-based capital ratio | 14.5387% | 4,871 |
| Memoranda: | ||
| Average total assets | $6,364,791,670 | 148 |
| Average earning assets | $5,579,175,670 | 148 |
| Average equity | $571,944,670 | 174 |
| Average total loans | $3,977,080,330 | 156 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,090 |
| Cost of funding earning assets | 0.3449% | 5,590 |
| Net interest margin | 4.1782% | 1,247 |
| Noninterest income to average assets | 1.4855% | 701 |
| Noninterest expense to average assets | 3.0691% | 2,773 |
| Loan and lease loss provision to assets | 0.7533% | 297 |
| Net operating income to assets | 0.8960% | 2,678 |
| Return on assets (ROA) | 0.9490% | 2,584 |
| Pretax return on assets | 1.4037% | 1,837 |
| Return on Equity (ROE) | 10.6360% | 1,822 |
| Retained earnings to average equity (ytd only) | -0.5443% | 5,890 |
| Net charge-offs to loans | 1.1378% | 522 |
| Credit loss provision to net charge-offs | 107.4242% | 1,722 |
| Earnings coverage of net charge-offs (x) | 2.9567% | 2,890 |
| Efficiency ratio | 59.1763% | 5,697 |
| Assets per employee ($millions) | 4.5798% | 2,836 |
| Cash dividends to net income (ytd only)* | 105.1179% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3659% | 1,306 |
| Loan loss allowance to noncurrent loans | 45.5482% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.8984% | 1,045 |
| Noncurrent loans to loans | 5.1943% | 726 |
| Net loans and leases to total assets | 61.0264% | 3,244 |
| Net loans and leases to deposits | 78.6420% | 2,259 |
| Net loans and leases to core deposits | 80.7881% | 2,716 |
| Total domestic deposits to total assets | 77.6003% | 6,171 |
| Equity capital to assets | 8.9941% | 5,489 |
| Core capital (leverage) ratio | 8.3862% | 5,726 |
| Tier 1 risk-based capital ratio | 13.3078% | 5,004 |
| Total risk-based capital ratio | 14.7621% | 4,823 |
| Memoranda: | ||
| Average total assets | $6,415,471,500 | 152 |
| Average earning assets | $5,615,153,500 | 151 |
| Average equity | $572,433,000 | 178 |
| Average total loans | $3,954,099,000 | 160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 1,470 |
| Cost of funding earning assets | 0.4947% | 5,255 |
| Net interest margin | 4.5414% | 873 |
| Noninterest income to average assets | 1.7396% | 539 |
| Noninterest expense to average assets | 3.1880% | 2,654 |
| Loan and lease loss provision to assets | 0.7801% | 629 |
| Net operating income to assets | 1.1135% | 1,894 |
| Return on assets (ROA) | 1.1382% | 1,980 |
| Pretax return on assets | 1.7661% | 986 |
| Return on Equity (ROE) | 12.7022% | 1,310 |
| Retained earnings to average equity (ytd only) | -0.0202% | 5,847 |
| Net charge-offs to loans | 1.3239% | 725 |
| Credit loss provision to net charge-offs | 95.3416% | 3,260 |
| Earnings coverage of net charge-offs (x) | 3.0574% | 3,906 |
| Efficiency ratio | 55.3228% | 6,135 |
| Assets per employee ($millions) | 4.5086% | 2,946 |
| Cash dividends to net income (ytd only)* | 100.1589% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3575% | 1,296 |
| Loan loss allowance to noncurrent loans | 41.9080% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 4.0572% | 1,052 |
| Noncurrent loans to loans | 5.6254% | 648 |
| Net loans and leases to total assets | 59.3489% | 3,710 |
| Net loans and leases to deposits | 76.0518% | 2,799 |
| Net loans and leases to core deposits | 77.3888% | 3,350 |
| Total domestic deposits to total assets | 78.0375% | 6,072 |
| Equity capital to assets | 8.8529% | 5,685 |
| Core capital (leverage) ratio | 8.5214% | 5,581 |
| Tier 1 risk-based capital ratio | 13.5857% | 4,686 |
| Total risk-based capital ratio | 15.0446% | 4,490 |
| Memoranda: | ||
| Average total assets | $6,412,115,800 | 149 |
| Average earning assets | $5,577,132,800 | 148 |
| Average equity | $574,575,600 | 176 |
| Average total loans | $3,962,745,800 | 154 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 1,374 |
| Cost of funding earning assets | 0.5275% | 5,262 |
| Net interest margin | 4.5954% | 829 |
| Noninterest income to average assets | 1.8177% | 487 |
| Noninterest expense to average assets | 3.2183% | 2,505 |
| Loan and lease loss provision to assets | 0.8520% | 541 |
| Net operating income to assets | 1.1291% | 1,985 |
| Return on assets (ROA) | 1.1525% | 2,090 |
| Pretax return on assets | 1.7800% | 1,096 |
| Return on Equity (ROE) | 12.8226% | 1,384 |
| Retained earnings to average equity (ytd only) | 0.0378% | 6,060 |
| Net charge-offs to loans | 1.2830% | 744 |
| Credit loss provision to net charge-offs | 107.0091% | 2,746 |
| Earnings coverage of net charge-offs (x) | 3.2522% | 3,726 |
| Efficiency ratio | 54.6730% | 6,182 |
| Assets per employee ($millions) | 4.2196% | 3,428 |
| Cash dividends to net income (ytd only)* | 99.7050% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5053% | 1,205 |
| Loan loss allowance to noncurrent loans | 42.2068% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 4.4173% | 1,056 |
| Noncurrent loans to loans | 5.9359% | 693 |
| Net loans and leases to total assets | 61.3289% | 3,508 |
| Net loans and leases to deposits | 75.4930% | 3,061 |
| Net loans and leases to core deposits | 77.0430% | 3,596 |
| Total domestic deposits to total assets | 81.2378% | 5,284 |
| Equity capital to assets | 9.2304% | 5,557 |
| Core capital (leverage) ratio | 8.6897% | 5,490 |
| Tier 1 risk-based capital ratio | 13.9829% | 4,538 |
| Total risk-based capital ratio | 15.4520% | 4,350 |
| Memoranda: | ||
| Average total assets | $6,393,181,250 | 148 |
| Average earning assets | $5,551,026,250 | 149 |
| Average equity | $574,629,500 | 179 |
| Average total loans | $3,967,573,250 | 150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 1,152 |
| Cost of funding earning assets | 0.5532% | 5,283 |
| Net interest margin | 4.6924% | 685 |
| Noninterest income to average assets | 1.8816% | 434 |
| Noninterest expense to average assets | 3.2047% | 2,568 |
| Loan and lease loss provision to assets | 0.9495% | 475 |
| Net operating income to assets | 1.1780% | 1,792 |
| Return on assets (ROA) | 1.1660% | 2,029 |
| Pretax return on assets | 1.7930% | 1,059 |
| Return on Equity (ROE) | 13.0863% | 1,340 |
| Retained earnings to average equity (ytd only) | 0.8708% | 5,721 |
| Net charge-offs to loans | 1.3426% | 782 |
| Credit loss provision to net charge-offs | 114.4587% | 2,386 |
| Earnings coverage of net charge-offs (x) | 3.3204% | 3,423 |
| Efficiency ratio | 53.0777% | 6,409 |
| Assets per employee ($millions) | 4.1163% | 3,634 |
| Cash dividends to net income (ytd only)* | 93.3461% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5214% | 1,252 |
| Loan loss allowance to noncurrent loans | 36.6293% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 4.9724% | 963 |
| Noncurrent loans to loans | 6.8836% | 576 |
| Net loans and leases to total assets | 61.1431% | 3,603 |
| Net loans and leases to deposits | 73.5776% | 3,363 |
| Net loans and leases to core deposits | 75.0624% | 3,876 |
| Total domestic deposits to total assets | 83.1001% | 4,715 |
| Equity capital to assets | 9.2014% | 5,460 |
| Core capital (leverage) ratio | 8.4496% | 5,712 |
| Tier 1 risk-based capital ratio | 14.1829% | 4,319 |
| Total risk-based capital ratio | 15.6544% | 4,138 |
| Memoranda: | ||
| Average total assets | $6,449,626,000 | 149 |
| Average earning assets | $5,604,534,330 | 148 |
| Average equity | $574,677,000 | 178 |
| Average total loans | $3,985,063,000 | 147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2910% | 1,114 |
| Cost of funding earning assets | 0.5926% | 5,190 |
| Net interest margin | 4.6984% | 685 |
| Noninterest income to average assets | 1.8113% | 478 |
| Noninterest expense to average assets | 3.1423% | 2,782 |
| Loan and lease loss provision to assets | 0.9920% | 424 |
| Net operating income to assets | 1.1208% | 1,986 |
| Return on assets (ROA) | 1.1090% | 2,228 |
| Pretax return on assets | 1.7458% | 1,207 |
| Return on Equity (ROE) | 12.6452% | 1,499 |
| Retained earnings to average equity (ytd only) | 0.0147% | 5,972 |
| Net charge-offs to loans | 1.5992% | 620 |
| Credit loss provision to net charge-offs | 101.1356% | 2,275 |
| Earnings coverage of net charge-offs (x) | 2.8032% | 3,060 |
| Efficiency ratio | 52.8140% | 6,461 |
| Assets per employee ($millions) | 4.2354% | 3,511 |
| Cash dividends to net income (ytd only)* | 99.8841% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4071% | 1,493 |
| Loan loss allowance to noncurrent loans | 34.0701% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 5.2605% | 967 |
| Noncurrent loans to loans | 7.0653% | 626 |
| Net loans and leases to total assets | 60.4801% | 3,565 |
| Net loans and leases to deposits | 70.2869% | 3,693 |
| Net loans and leases to core deposits | 72.2005% | 4,121 |
| Total domestic deposits to total assets | 86.0475% | 3,502 |
| Equity capital to assets | 8.9648% | 5,550 |
| Core capital (leverage) ratio | 8.1995% | 6,023 |
| Tier 1 risk-based capital ratio | 14.1904% | 4,326 |
| Total risk-based capital ratio | 15.6618% | 4,139 |
| Memoranda: | ||
| Average total assets | $6,535,764,000 | 144 |
| Average earning assets | $5,676,291,000 | 146 |
| Average equity | $573,214,000 | 175 |
| Average total loans | $4,008,873,000 | 145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6444% | 878 |
| Cost of funding earning assets | 0.8141% | 4,757 |
| Net interest margin | 4.8303% | 589 |
| Noninterest income to average assets | 1.9874% | 382 |
| Noninterest expense to average assets | 3.0597% | 3,356 |
| Loan and lease loss provision to assets | 1.3076% | 627 |
| Net operating income to assets | 1.1463% | 1,679 |
| Return on assets (ROA) | 1.1599% | 1,747 |
| Pretax return on assets | 1.8332% | 752 |
| Return on Equity (ROE) | 12.7884% | 1,207 |
| Retained earnings to average equity (ytd only) | 4.4053% | 3,039 |
| Net charge-offs to loans | 1.4717% | 1,092 |
| Credit loss provision to net charge-offs | 135.9149% | 2,205 |
| Earnings coverage of net charge-offs (x) | 3.2355% | 3,590 |
| Efficiency ratio | 49.2721% | 6,874 |
| Assets per employee ($millions) | 4.4187% | 3,041 |
| Cash dividends to net income (ytd only)* | 65.5523% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3579% | 1,529 |
| Loan loss allowance to noncurrent loans | 32.3778% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 5.2648% | 987 |
| Noncurrent loans to loans | 7.2823% | 600 |
| Net loans and leases to total assets | 59.2955% | 4,134 |
| Net loans and leases to deposits | 68.6561% | 4,340 |
| Net loans and leases to core deposits | 70.8434% | 4,664 |
| Total domestic deposits to total assets | 86.3660% | 3,102 |
| Equity capital to assets | 8.5835% | 6,032 |
| Core capital (leverage) ratio | 8.1286% | 6,102 |
| Tier 1 risk-based capital ratio | 14.4159% | 4,035 |
| Total risk-based capital ratio | 15.8916% | 3,850 |
| Memoranda: | ||
| Average total assets | $6,313,116,000 | 148 |
| Average earning assets | $5,469,912,000 | 150 |
| Average equity | $572,580,200 | 174 |
| Average total loans | $4,127,114,400 | 138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7824% | 721 |
| Cost of funding earning assets | 0.8663% | 4,659 |
| Net interest margin | 4.9161% | 493 |
| Noninterest income to average assets | 2.1600% | 343 |
| Noninterest expense to average assets | 3.0743% | 3,265 |
| Loan and lease loss provision to assets | 1.5094% | 455 |
| Net operating income to assets | 1.1660% | 1,758 |
| Return on assets (ROA) | 1.1536% | 1,918 |
| Pretax return on assets | 1.8205% | 918 |
| Return on Equity (ROE) | 12.5392% | 1,399 |
| Retained earnings to average equity (ytd only) | 5.0898% | 3,117 |
| Net charge-offs to loans | 1.3318% | 1,141 |
| Credit loss provision to net charge-offs | 170.1299% | 1,777 |
| Earnings coverage of net charge-offs (x) | 3.7672% | 3,302 |
| Efficiency ratio | 47.6836% | 6,978 |
| Assets per employee ($millions) | 4.5970% | 2,762 |
| Cash dividends to net income (ytd only)* | 59.4089% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5018% | 1,395 |
| Loan loss allowance to noncurrent loans | 34.2164% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 5.6056% | 986 |
| Noncurrent loans to loans | 7.3117% | 657 |
| Net loans and leases to total assets | 63.1960% | 3,476 |
| Net loans and leases to deposits | 73.9255% | 3,668 |
| Net loans and leases to core deposits | 77.7800% | 3,939 |
| Total domestic deposits to total assets | 85.4861% | 3,504 |
| Equity capital to assets | 9.2732% | 5,421 |
| Core capital (leverage) ratio | 9.0314% | 4,879 |
| Tier 1 risk-based capital ratio | 15.6461% | 3,311 |
| Total risk-based capital ratio | 17.1336% | 3,131 |
| Memoranda: | ||
| Average total assets | $6,225,538,250 | 149 |
| Average earning assets | $5,390,254,250 | 153 |
| Average equity | $572,736,750 | 176 |
| Average total loans | $4,147,261,750 | 138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8950% | 586 |
| Cost of funding earning assets | 0.9071% | 4,605 |
| Net interest margin | 4.9879% | 406 |
| Noninterest income to average assets | 2.4297% | 282 |
| Noninterest expense to average assets | 3.0790% | 3,337 |
| Loan and lease loss provision to assets | 1.7954% | 375 |
| Net operating income to assets | 1.2046% | 1,557 |
| Return on assets (ROA) | 1.1922% | 1,683 |
| Pretax return on assets | 1.8570% | 774 |
| Return on Equity (ROE) | 12.9940% | 1,200 |
| Retained earnings to average equity (ytd only) | 7.3601% | 1,710 |
| Net charge-offs to loans | 1.1752% | 1,329 |
| Credit loss provision to net charge-offs | 227.2356% | 1,322 |
| Earnings coverage of net charge-offs (x) | 4.6385% | 2,811 |
| Efficiency ratio | 45.4376% | 7,180 |
| Assets per employee ($millions) | 4.3898% | 3,010 |
| Cash dividends to net income (ytd only)* | 43.3581% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5915% | 1,322 |
| Loan loss allowance to noncurrent loans | 35.0759% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 5.8283% | 975 |
| Noncurrent loans to loans | 7.3883% | 659 |
| Net loans and leases to total assets | 65.2565% | 3,194 |
| Net loans and leases to deposits | 77.5456% | 3,212 |
| Net loans and leases to core deposits | 82.5574% | 3,422 |
| Total domestic deposits to total assets | 84.1524% | 4,282 |
| Equity capital to assets | 9.6359% | 4,619 |
| Core capital (leverage) ratio | 9.2028% | 4,398 |
| Tier 1 risk-based capital ratio | 16.8676% | 2,579 |
| Total risk-based capital ratio | 18.3643% | 2,450 |
| Memoranda: | ||
| Average total assets | $6,190,702,000 | 153 |
| Average earning assets | $5,354,638,330 | 156 |
| Average equity | $567,984,000 | 179 |
| Average total loans | $4,162,020,330 | 139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9068% | 587 |
| Cost of funding earning assets | 0.9251% | 4,743 |
| Net interest margin | 4.9816% | 394 |
| Noninterest income to average assets | 2.3640% | 292 |
| Noninterest expense to average assets | 3.1548% | 3,055 |
| Loan and lease loss provision to assets | 1.6960% | 351 |
| Net operating income to assets | 1.1776% | 1,576 |
| Return on assets (ROA) | 1.1653% | 1,663 |
| Pretax return on assets | 1.8065% | 806 |
| Return on Equity (ROE) | 13.0159% | 1,191 |
| Retained earnings to average equity (ytd only) | 7.3156% | 2,019 |
| Net charge-offs to loans | 1.4389% | 945 |
| Credit loss provision to net charge-offs | 175.0230% | 1,667 |
| Earnings coverage of net charge-offs (x) | 3.6272% | 2,686 |
| Efficiency ratio | 47.0827% | 7,154 |
| Assets per employee ($millions) | 4.2503% | 3,344 |
| Cash dividends to net income (ytd only)* | 43.7948% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 2,264 |
| Loan loss allowance to noncurrent loans | 28.2562% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 5.5432% | 1,088 |
| Noncurrent loans to loans | 7.2972% | 729 |
| Net loans and leases to total assets | 64.0475% | 3,432 |
| Net loans and leases to deposits | 75.6191% | 3,474 |
| Net loans and leases to core deposits | 81.5557% | 3,522 |
| Total domestic deposits to total assets | 84.6976% | 4,184 |
| Equity capital to assets | 8.9852% | 5,221 |
| Core capital (leverage) ratio | 8.9544% | 4,685 |
| Tier 1 risk-based capital ratio | 16.5766% | 2,629 |
| Total risk-based capital ratio | 18.0703% | 2,507 |
| Memoranda: | ||
| Average total assets | $6,270,267,500 | 152 |
| Average earning assets | $5,419,350,500 | 155 |
| Average equity | $561,377,000 | 180 |
| Average total loans | $4,222,676,500 | 141 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1915% | 575 |
| Cost of funding earning assets | 1.2042% | 4,538 |
| Net interest margin | 4.9873% | 442 |
| Noninterest income to average assets | 2.2428% | 327 |
| Noninterest expense to average assets | 3.4748% | 2,242 |
| Loan and lease loss provision to assets | 1.5050% | 983 |
| Net operating income to assets | 1.0078% | 2,015 |
| Return on assets (ROA) | 0.9958% | 2,156 |
| Pretax return on assets | 1.5529% | 1,239 |
| Return on Equity (ROE) | 11.1485% | 1,543 |
| Retained earnings to average equity (ytd only) | 0.6984% | 5,214 |
| Net charge-offs to loans | 1.8113% | 1,163 |
| Credit loss provision to net charge-offs | 117.5645% | 3,634 |
| Earnings coverage of net charge-offs (x) | 2.3981% | 3,932 |
| Efficiency ratio | 52.7927% | 6,918 |
| Assets per employee ($millions) | 4.0794% | 3,620 |
| Cash dividends to net income (ytd only)* | 93.7354% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,209 |
| Loan loss allowance to noncurrent loans | 24.5856% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 5.6517% | 1,086 |
| Noncurrent loans to loans | 6.9241% | 818 |
| Net loans and leases to total assets | 68.1336% | 2,954 |
| Net loans and leases to deposits | 80.7193% | 3,042 |
| Net loans and leases to core deposits | 87.6941% | 3,094 |
| Total domestic deposits to total assets | 84.4081% | 4,170 |
| Equity capital to assets | 8.9205% | 5,254 |
| Core capital (leverage) ratio | 8.7544% | 4,933 |
| Tier 1 risk-based capital ratio | 14.8805% | 3,316 |
| Total risk-based capital ratio | 16.3552% | 3,137 |
| Memoranda: | ||
| Average total assets | $6,428,052,200 | 149 |
| Average earning assets | $5,544,766,200 | 152 |
| Average equity | $574,160,400 | 174 |
| Average total loans | $4,543,326,200 | 130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2277% | 585 |
| Cost of funding earning assets | 1.2554% | 4,540 |
| Net interest margin | 4.9723% | 465 |
| Noninterest income to average assets | 2.2759% | 313 |
| Noninterest expense to average assets | 3.4999% | 2,033 |
| Loan and lease loss provision to assets | 1.4974% | 890 |
| Net operating income to assets | 1.0149% | 2,185 |
| Return on assets (ROA) | 1.0030% | 2,344 |
| Pretax return on assets | 1.5578% | 1,455 |
| Return on Equity (ROE) | 11.2254% | 1,720 |
| Retained earnings to average equity (ytd only) | 11.2254% | 573 |
| Net charge-offs to loans | 1.8397% | 1,045 |
| Credit loss provision to net charge-offs | 114.6212% | 3,649 |
| Earnings coverage of net charge-offs (x) | 2.3478% | 3,998 |
| Efficiency ratio | 52.9915% | 6,888 |
| Assets per employee ($millions) | 4.0030% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,703 |
| Loan loss allowance to noncurrent loans | 21.4906% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 5.8146% | 1,042 |
| Noncurrent loans to loans | 7.2517% | 752 |
| Net loans and leases to total assets | 70.3360% | 2,654 |
| Net loans and leases to deposits | 84.4545% | 2,629 |
| Net loans and leases to core deposits | 92.9687% | 2,664 |
| Total domestic deposits to total assets | 83.2827% | 4,465 |
| Equity capital to assets | 9.8412% | 4,359 |
| Core capital (leverage) ratio | 9.2774% | 4,238 |
| Tier 1 risk-based capital ratio | 16.4817% | 2,560 |
| Total risk-based capital ratio | 17.9625% | 2,416 |
| Memoranda: | ||
| Average total assets | $6,475,727,250 | 148 |
| Average earning assets | $5,588,534,750 | 150 |
| Average equity | $578,599,750 | 170 |
| Average total loans | $4,598,325,750 | 129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1930% | 633 |
| Cost of funding earning assets | 1.2676% | 4,726 |
| Net interest margin | 4.9254% | 509 |
| Noninterest income to average assets | 2.0113% | 353 |
| Noninterest expense to average assets | 3.3951% | 2,273 |
| Loan and lease loss provision to assets | 1.3936% | 962 |
| Net operating income to assets | 0.9669% | 2,309 |
| Return on assets (ROA) | 0.9552% | 2,431 |
| Pretax return on assets | 1.4711% | 1,637 |
| Return on Equity (ROE) | 11.0385% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.0385% | 648 |
| Net charge-offs to loans | 1.9789% | 928 |
| Credit loss provision to net charge-offs | 99.3656% | 4,133 |
| Earnings coverage of net charge-offs (x) | 2.0509% | 3,996 |
| Efficiency ratio | 53.8100% | 6,904 |
| Assets per employee ($millions) | 4.3498% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,906 |
| Loan loss allowance to noncurrent loans | 18.5140% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 5.2366% | 1,204 |
| Noncurrent loans to loans | 7.0323% | 805 |
| Net loans and leases to total assets | 67.8773% | 3,395 |
| Net loans and leases to deposits | 83.8627% | 2,888 |
| Net loans and leases to core deposits | 92.5583% | 2,910 |
| Total domestic deposits to total assets | 80.9387% | 5,422 |
| Equity capital to assets | 8.9496% | 5,521 |
| Core capital (leverage) ratio | 8.7043% | 5,064 |
| Tier 1 risk-based capital ratio | 15.8310% | 2,748 |
| Total risk-based capital ratio | 17.3060% | 2,607 |
| Memoranda: | ||
| Average total assets | $6,586,096,330 | 147 |
| Average earning assets | $5,696,641,670 | 147 |
| Average equity | $569,897,330 | 172 |
| Average total loans | $4,667,668,000 | 129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3669% | 472 |
| Cost of funding earning assets | 1.2817% | 4,918 |
| Net interest margin | 5.0852% | 354 |
| Noninterest income to average assets | 1.5823% | 489 |
| Noninterest expense to average assets | 3.4955% | 1,992 |
| Loan and lease loss provision to assets | 1.2609% | 965 |
| Net operating income to assets | 0.7906% | 3,010 |
| Return on assets (ROA) | 0.7789% | 3,173 |
| Pretax return on assets | 1.2009% | 2,356 |
| Return on Equity (ROE) | 9.1579% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.1579% | 1,357 |
| Net charge-offs to loans | 1.9830% | 865 |
| Credit loss provision to net charge-offs | 88.4157% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.7345% | 3,690 |
| Efficiency ratio | 58.1788% | 6,463 |
| Assets per employee ($millions) | 4.4593% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,432 |
| Loan loss allowance to noncurrent loans | 19.2656% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 4.9495% | 1,310 |
| Noncurrent loans to loans | 6.3000% | 1,011 |
| Net loans and leases to total assets | 70.2424% | 2,870 |
| Net loans and leases to deposits | 86.6011% | 2,486 |
| Net loans and leases to core deposits | 96.6146% | 2,508 |
| Total domestic deposits to total assets | 81.1102% | 5,418 |
| Equity capital to assets | 8.6859% | 5,750 |
| Core capital (leverage) ratio | 8.3773% | 5,599 |
| Tier 1 risk-based capital ratio | 14.9426% | 3,134 |
| Total risk-based capital ratio | 16.4078% | 2,996 |
| Memoranda: | ||
| Average total assets | $6,592,876,500 | 146 |
| Average earning assets | $5,687,392,000 | 148 |
| Average equity | $560,739,500 | 173 |
| Average total loans | $4,741,446,500 | 130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 5,382 |
| Cost of funding earning assets | 1.2497% | 6,473 |
| Net interest margin | 4.0064% | 2,836 |
| Noninterest income to average assets | 7.9622% | 85 |
| Noninterest expense to average assets | 3.2577% | 3,160 |
| Loan and lease loss provision to assets | 1.1121% | 2,060 |
| Net operating income to assets | 4.4591% | 33 |
| Return on assets (ROA) | 4.4864% | 35 |
| Pretax return on assets | 7.1741% | 30 |
| Return on Equity (ROE) | 55.4823% | 12 |
| Retained earnings to average equity (ytd only) | 45.6477% | 6 |
| Net charge-offs to loans | 0.9025% | 2,583 |
| Credit loss provision to net charge-offs | 171.3441% | 2,485 |
| Earnings coverage of net charge-offs (x) | 12.6878% | 1,489 |
| Efficiency ratio | 28.2860% | 7,951 |
| Assets per employee ($millions) | 4.8282% | 2,441 |
| Cash dividends to net income (ytd only)* | 17.7257% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 5,223 |
| Loan loss allowance to noncurrent loans | 22.2423% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 4.2561% | 1,540 |
| Noncurrent loans to loans | 5.5001% | 1,174 |
| Net loans and leases to total assets | 71.8269% | 2,797 |
| Net loans and leases to deposits | 87.9956% | 2,556 |
| Net loans and leases to core deposits | 100.2220% | 3,972 |
| Total domestic deposits to total assets | 81.6255% | 5,099 |
| Equity capital to assets | 8.3275% | 6,156 |
| Core capital (leverage) ratio | 7.9028% | 6,321 |
| Tier 1 risk-based capital ratio | 13.8794% | 3,579 |
| Total risk-based capital ratio | 15.3264% | 3,405 |
| Memoranda: | ||
| Average total assets | $5,029,883,000 | 170 |
| Average earning assets | $4,432,412,200 | 172 |
| Average equity | $406,726,000 | 210 |
| Average total loans | $3,617,165,800 | 158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 7,581 |
| Cost of funding earning assets | 1.1544% | 7,030 |
| Net interest margin | 3.2756% | 5,727 |
| Noninterest income to average assets | 12.0145% | 59 |
| Noninterest expense to average assets | 2.9754% | 4,145 |
| Loan and lease loss provision to assets | 1.1806% | 1,644 |
| Net operating income to assets | 6.7819% | 23 |
| Return on assets (ROA) | 6.8270% | 22 |
| Pretax return on assets | 10.8465% | 22 |
| Return on Equity (ROE) | 85.3430% | 8 |
| Retained earnings to average equity (ytd only) | 79.5774% | 6 |
| Net charge-offs to loans | 0.8603% | 2,245 |
| Credit loss provision to net charge-offs | 191.5938% | 2,366 |
| Earnings coverage of net charge-offs (x) | 19.3878% | 1,297 |
| Efficiency ratio | 19.9358% | 8,056 |
| Assets per employee ($millions) | 5.5668% | 1,551 |
| Cash dividends to net income (ytd only)* | 6.7559% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,575 |
| Loan loss allowance to noncurrent loans | 22.4263% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 3.6355% | 1,810 |
| Noncurrent loans to loans | 5.0098% | 1,317 |
| Net loans and leases to total assets | 67.3069% | 4,113 |
| Net loans and leases to deposits | 82.8017% | 3,867 |
| Net loans and leases to core deposits | 95.2085% | 4,907 |
| Total domestic deposits to total assets | 81.2869% | 4,965 |
| Equity capital to assets | 8.1811% | 6,663 |
| Core capital (leverage) ratio | 13.0493% | 1,361 |
| Tier 1 risk-based capital ratio | 14.4921% | 3,283 |
| Total risk-based capital ratio | 15.9315% | 3,129 |
| Memoranda: | ||
| Average total assets | $4,625,255,500 | 192 |
| Average earning assets | $4,106,440,250 | 193 |
| Average equity | $369,995,500 | 231 |
| Average total loans | $3,312,838,250 | 185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 6,671 |
| Cost of funding earning assets | 1.3015% | 6,804 |
| Net interest margin | 3.7296% | 3,834 |
| Noninterest income to average assets | 1.1754% | 1,129 |
| Noninterest expense to average assets | 3.1507% | 3,501 |
| Loan and lease loss provision to assets | 0.7626% | 2,163 |
| Net operating income to assets | 0.4106% | 4,467 |
| Return on assets (ROA) | 0.5079% | 4,178 |
| Pretax return on assets | 0.7798% | 3,743 |
| Return on Equity (ROE) | 6.4436% | 3,464 |
| Retained earnings to average equity (ytd only) | -4.3791% | 6,201 |
| Net charge-offs to loans | 0.8542% | 1,981 |
| Credit loss provision to net charge-offs | 120.7922% | 3,844 |
| Earnings coverage of net charge-offs (x) | 2.1927% | 3,974 |
| Efficiency ratio | 69.4586% | 4,888 |
| Assets per employee ($millions) | 3.6432% | 4,466 |
| Cash dividends to net income (ytd only)* | 167.9614% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,140 |
| Loan loss allowance to noncurrent loans | 101.0630% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 4,704 |
| Noncurrent loans to loans | 1.3094% | 4,586 |
| Net loans and leases to total assets | 75.7682% | 2,239 |
| Net loans and leases to deposits | 96.8814% | 1,671 |
| Net loans and leases to core deposits | 108.2113% | 3,586 |
| Total domestic deposits to total assets | 78.2072% | 6,019 |
| Equity capital to assets | 7.6929% | 7,083 |
| Core capital (leverage) ratio | 8.1056% | 6,156 |
| Tier 1 risk-based capital ratio | 9.9675% | 6,964 |
| Total risk-based capital ratio | 11.4625% | 6,627 |
| Memoranda: | ||
| Average total assets | $3,751,030,000 | 232 |
| Average earning assets | $3,378,985,330 | 228 |
| Average equity | $295,674,330 | 265 |
| Average total loans | $2,772,520,330 | 216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 6,760 |
| Cost of funding earning assets | 1.3541% | 6,861 |
| Net interest margin | 3.7068% | 3,865 |
| Noninterest income to average assets | 1.2514% | 914 |
| Noninterest expense to average assets | 2.9995% | 3,773 |
| Loan and lease loss provision to assets | 0.4361% | 2,746 |
| Net operating income to assets | 0.7620% | 3,290 |
| Return on assets (ROA) | 0.7414% | 3,563 |
| Pretax return on assets | 1.1387% | 2,832 |
| Return on Equity (ROE) | 9.2926% | 2,612 |
| Retained earnings to average equity (ytd only) | -1.4286% | 5,985 |
| Net charge-offs to loans | 0.5452% | 2,093 |
| Credit loss provision to net charge-offs | 110.3924% | 3,495 |
| Earnings coverage of net charge-offs (x) | 4.0384% | 2,997 |
| Efficiency ratio | 65.2527% | 5,459 |
| Assets per employee ($millions) | 3.7184% | 4,303 |
| Cash dividends to net income (ytd only)* | 115.3735% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 3,944 |
| Loan loss allowance to noncurrent loans | 145.2537% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 5,330 |
| Noncurrent loans to loans | 0.9108% | 5,182 |
| Net loans and leases to total assets | 71.1923% | 3,426 |
| Net loans and leases to deposits | 91.2137% | 2,740 |
| Net loans and leases to core deposits | 102.2022% | 4,322 |
| Total domestic deposits to total assets | 78.0500% | 5,998 |
| Equity capital to assets | 7.8986% | 6,957 |
| Core capital (leverage) ratio | 8.2641% | 5,972 |
| Tier 1 risk-based capital ratio | 10.5759% | 6,312 |
| Total risk-based capital ratio | 12.0652% | 5,982 |
| Memoranda: | ||
| Average total assets | $3,741,171,500 | 231 |
| Average earning assets | $3,374,528,500 | 230 |
| Average equity | $298,472,500 | 264 |
| Average total loans | $2,711,110,000 | 222 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9201% | 5,945 |
| Cost of funding earning assets | 2.0667% | 6,178 |
| Net interest margin | 3.8535% | 3,781 |
| Noninterest income to average assets | 1.3662% | 774 |
| Noninterest expense to average assets | 3.1410% | 3,549 |
| Loan and lease loss provision to assets | 0.5681% | 2,549 |
| Net operating income to assets | 0.7547% | 3,644 |
| Return on assets (ROA) | 0.7858% | 3,343 |
| Pretax return on assets | 1.1479% | 2,842 |
| Return on Equity (ROE) | 9.0513% | 2,627 |
| Retained earnings to average equity (ytd only) | 0.9870% | 4,638 |
| Net charge-offs to loans | 0.4756% | 2,456 |
| Credit loss provision to net charge-offs | 155.9235% | 3,341 |
| Earnings coverage of net charge-offs (x) | 4.5838% | 3,928 |
| Efficiency ratio | 65.2297% | 5,272 |
| Assets per employee ($millions) | 3.5004% | 4,656 |
| Cash dividends to net income (ytd only)* | 89.0951% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 3,553 |
| Loan loss allowance to noncurrent loans | 197.8696% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 5,438 |
| Noncurrent loans to loans | 0.6753% | 5,345 |
| Net loans and leases to total assets | 71.8239% | 3,626 |
| Net loans and leases to deposits | 92.1974% | 3,096 |
| Net loans and leases to core deposits | 102.3212% | 4,574 |
| Total domestic deposits to total assets | 77.9023% | 5,749 |
| Equity capital to assets | 8.0599% | 6,763 |
| Core capital (leverage) ratio | 8.7692% | 5,082 |
| Tier 1 risk-based capital ratio | 10.8618% | 5,846 |
| Total risk-based capital ratio | 12.3738% | 5,503 |
| Memoranda: | ||
| Average total assets | $3,456,455,200 | 232 |
| Average earning assets | $3,090,019,000 | 235 |
| Average equity | $300,089,400 | 269 |
| Average total loans | $2,647,965,400 | 219 |