Home > First Interstate Bank > Performance and Condition Ratios
First Interstate Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 2,897 |
| Cost of funding earning assets | 1.3762% | 2,293 |
| Net interest margin | 3.2218% | 2,825 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.0785% | 3,455 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9473% | 2,379 |
| Return on assets (ROA) | 0.8877% | 2,559 |
| Pretax return on assets | 1.1558% | 2,250 |
| Return on Equity (ROE) | 8.7100% | 2,828 |
| Retained earnings to average equity (ytd only) | -2.6270% | 4,306 |
| Net charge-offs to loans | 0.1278% | 767 |
| Credit loss provision to net charge-offs | 132.5663% | 1,574 |
| Earnings coverage of net charge-offs (x) | 17.7830% | 1,964 |
| Efficiency ratio | 59.4364% | 3,147 |
| Assets per employee ($millions) | 9.0196% | 977 |
| Cash dividends to net income (ytd only)* | 130.1683% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,057 |
| Loan loss allowance to noncurrent loans | 147.1995% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 1,000 |
| Noncurrent loans to loans | 0.8440% | 909 |
| Net loans and leases to total assets | 59.1400% | 2,930 |
| Net loans and leases to deposits | 76.6956% | 2,378 |
| Net loans and leases to core deposits | 79.4111% | 2,743 |
| Total domestic deposits to total assets | 77.1100% | 3,840 |
| Equity capital to assets | 10.3893% | 1,788 |
| Core capital (leverage) ratio | 8.1633% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0436% | 2,570 |
| Memoranda: | ||
| Average total assets | $31,154,969,800 | 67 |
| Average earning assets | $27,832,592,600 | 67 |
| Average equity | $3,176,052,200 | 65 |
| Average total loans | $18,288,989,400 | 70 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 2,784 |
| Cost of funding earning assets | 1.2940% | 2,166 |
| Net interest margin | 3.2635% | 2,767 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.0400% | 3,495 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9881% | 2,401 |
| Return on assets (ROA) | 0.9090% | 2,634 |
| Pretax return on assets | 1.1847% | 2,338 |
| Return on Equity (ROE) | 8.9600% | 2,942 |
| Retained earnings to average equity (ytd only) | 1.8199% | 3,766 |
| Net charge-offs to loans | 0.1360% | 597 |
| Credit loss provision to net charge-offs | 135.2146% | 1,386 |
| Earnings coverage of net charge-offs (x) | 17.6163% | 1,898 |
| Efficiency ratio | 57.8654% | 3,221 |
| Assets per employee ($millions) | 8.8213% | 994 |
| Cash dividends to net income (ytd only)* | 79.6850% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,168 |
| Loan loss allowance to noncurrent loans | 169.9228% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 1,220 |
| Noncurrent loans to loans | 0.7300% | 1,135 |
| Net loans and leases to total assets | 59.2300% | 2,916 |
| Net loans and leases to deposits | 75.8615% | 2,432 |
| Net loans and leases to core deposits | 78.5440% | 2,716 |
| Total domestic deposits to total assets | 78.0700% | 3,808 |
| Equity capital to assets | 10.3091% | 1,641 |
| Core capital (leverage) ratio | 8.5049% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4284% | 2,472 |
| Memoranda: | ||
| Average total assets | $31,292,818,500 | 68 |
| Average earning assets | $27,952,977,750 | 67 |
| Average equity | $3,175,194,750 | 65 |
| Average total loans | $18,279,505,500 | 71 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 2,680 |
| Cost of funding earning assets | 1.1846% | 2,036 |
| Net interest margin | 3.3014% | 2,745 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.0455% | 3,473 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.9697% | 2,515 |
| Return on assets (ROA) | 0.8520% | 2,922 |
| Pretax return on assets | 1.1110% | 2,614 |
| Return on Equity (ROE) | 8.4400% | 3,130 |
| Retained earnings to average equity (ytd only) | 1.5363% | 3,819 |
| Net charge-offs to loans | 0.1915% | 417 |
| Credit loss provision to net charge-offs | 125.9697% | 1,302 |
| Earnings coverage of net charge-offs (x) | 12.8955% | 1,922 |
| Efficiency ratio | 57.4165% | 3,266 |
| Assets per employee ($millions) | 8.8674% | 951 |
| Cash dividends to net income (ytd only)* | 81.7978% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,319 |
| Loan loss allowance to noncurrent loans | 242.1770% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,524 |
| Noncurrent loans to loans | 0.5057% | 1,448 |
| Net loans and leases to total assets | 58.5900% | 2,911 |
| Net loans and leases to deposits | 76.2748% | 2,286 |
| Net loans and leases to core deposits | 78.4243% | 2,581 |
| Total domestic deposits to total assets | 76.8100% | 3,971 |
| Equity capital to assets | 10.3001% | 1,688 |
| Core capital (leverage) ratio | 8.2938% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1769% | 2,580 |
| Memoranda: | ||
| Average total assets | $31,567,491,333 | 66 |
| Average earning assets | $28,219,387,000 | 65 |
| Average equity | $3,186,572,000 | 65 |
| Average total loans | $18,281,874,000 | 69 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,490 |
| Cost of funding earning assets | 1.0176% | 1,989 |
| Net interest margin | 3.4040% | 2,624 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.0379% | 3,536 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.0138% | 2,488 |
| Return on assets (ROA) | 0.7820% | 3,203 |
| Pretax return on assets | 1.0250% | 2,919 |
| Return on Equity (ROE) | 7.8200% | 3,335 |
| Retained earnings to average equity (ytd only) | 1.5498% | 3,776 |
| Net charge-offs to loans | 0.1354% | 495 |
| Credit loss provision to net charge-offs | 197.9605% | 835 |
| Earnings coverage of net charge-offs (x) | 19.4731% | 1,466 |
| Efficiency ratio | 56.0519% | 3,408 |
| Assets per employee ($millions) | 8.7730% | 1,022 |
| Cash dividends to net income (ytd only)* | 80.1925% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,369 |
| Loan loss allowance to noncurrent loans | 265.1405% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 1,604 |
| Noncurrent loans to loans | 0.4654% | 1,554 |
| Net loans and leases to total assets | 57.3400% | 2,925 |
| Net loans and leases to deposits | 74.6313% | 2,246 |
| Net loans and leases to core deposits | 76.2623% | 2,506 |
| Total domestic deposits to total assets | 76.8300% | 4,097 |
| Equity capital to assets | 10.2412% | 1,700 |
| Core capital (leverage) ratio | 8.0480% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9612% | 2,741 |
| Memoranda: | ||
| Average total assets | $31,890,952,000 | 68 |
| Average earning assets | $28,567,859,000 | 69 |
| Average equity | $3,187,439,500 | 69 |
| Average total loans | $18,252,863,000 | 73 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 2,201 |
| Cost of funding earning assets | 0.2490% | 3,330 |
| Net interest margin | 3.5780% | 1,708 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3153% | 2,677 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.9821% | 2,634 |
| Return on assets (ROA) | 0.9169% | 2,835 |
| Pretax return on assets | 1.1660% | 2,544 |
| Return on Equity (ROE) | 9.0100% | 3,130 |
| Retained earnings to average equity (ytd only) | -2.9282% | 4,518 |
| Net charge-offs to loans | 0.1888% | 434 |
| Credit loss provision to net charge-offs | 227.6703% | 1,045 |
| Earnings coverage of net charge-offs (x) | 15.0499% | 2,013 |
| Efficiency ratio | 58.8574% | 3,213 |
| Assets per employee ($millions) | 8.9740% | 929 |
| Cash dividends to net income (ytd only)* | 132.5127% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,334 |
| Loan loss allowance to noncurrent loans | 335.3176% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 1,935 |
| Noncurrent loans to loans | 0.3610% | 1,844 |
| Net loans and leases to total assets | 55.7400% | 3,058 |
| Net loans and leases to deposits | 71.6251% | 2,441 |
| Net loans and leases to core deposits | 72.9054% | 2,653 |
| Total domestic deposits to total assets | 77.8300% | 4,108 |
| Equity capital to assets | 9.7534% | 1,854 |
| Core capital (leverage) ratio | 8.0705% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8004% | 2,787 |
| Memoranda: | ||
| Average total assets | $29,628,145,800 | 76 |
| Average earning assets | $26,683,398,400 | 76 |
| Average equity | $3,016,503,800 | 75 |
| Average total loans | $15,930,222,600 | 80 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 2,167 |
| Cost of funding earning assets | 0.1262% | 4,063 |
| Net interest margin | 3.5330% | 1,568 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.3812% | 2,394 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 0.9179% | 2,805 |
| Return on assets (ROA) | 0.8291% | 3,106 |
| Pretax return on assets | 1.0458% | 2,883 |
| Return on Equity (ROE) | 8.0500% | 3,315 |
| Retained earnings to average equity (ytd only) | -3.5637% | 4,558 |
| Net charge-offs to loans | 0.2509% | 270 |
| Credit loss provision to net charge-offs | 208.1149% | 964 |
| Earnings coverage of net charge-offs (x) | 11.0532% | 1,964 |
| Efficiency ratio | 60.4093% | 3,064 |
| Assets per employee ($millions) | 8.9765% | 901 |
| Cash dividends to net income (ytd only)* | 144.2737% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,508 |
| Loan loss allowance to noncurrent loans | 247.5409% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 1,628 |
| Noncurrent loans to loans | 0.4861% | 1,587 |
| Net loans and leases to total assets | 55.9100% | 2,909 |
| Net loans and leases to deposits | 67.5466% | 2,575 |
| Net loans and leases to core deposits | 68.4286% | 2,762 |
| Total domestic deposits to total assets | 82.7700% | 3,723 |
| Equity capital to assets | 9.9772% | 1,639 |
| Core capital (leverage) ratio | 8.1446% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0139% | 2,810 |
| Memoranda: | ||
| Average total assets | $28,980,999,000 | 78 |
| Average earning assets | $26,139,093,500 | 78 |
| Average equity | $2,985,069,250 | 76 |
| Average total loans | $15,367,980,000 | 84 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 2,506 |
| Cost of funding earning assets | 0.0633% | 4,503 |
| Net interest margin | 3.3102% | 1,878 |
| Noninterest income to average assets | 0.6912% | 1,381 |
| Noninterest expense to average assets | 2.4693% | 2,030 |
| Loan and lease loss provision to assets | 0.4220% | 134 |
| Net operating income to assets | 0.6309% | 3,538 |
| Return on assets (ROA) | 0.6295% | 3,491 |
| Pretax return on assets | 0.7937% | 3,348 |
| Return on Equity (ROE) | 6.0414% | 3,560 |
| Retained earnings to average equity (ytd only) | -2.8022% | 4,440 |
| Net charge-offs to loans | 0.2316% | 280 |
| Credit loss provision to net charge-offs | 329.4187% | 767 |
| Earnings coverage of net charge-offs (x) | 10.1669% | 1,763 |
| Efficiency ratio | 65.4951% | 2,578 |
| Assets per employee ($millions) | 9.0851% | 856 |
| Cash dividends to net income (ytd only)* | 146.3832% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,302 |
| Loan loss allowance to noncurrent loans | 200.6718% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,421 |
| Noncurrent loans to loans | 0.6354% | 1,340 |
| Net loans and leases to total assets | 53.3914% | 3,021 |
| Net loans and leases to deposits | 63.5405% | 2,764 |
| Net loans and leases to core deposits | 64.2532% | 2,945 |
| Total domestic deposits to total assets | 84.0274% | 3,682 |
| Equity capital to assets | 10.4369% | 1,464 |
| Core capital (leverage) ratio | 8.0315% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8700% | 2,546 |
| Memoranda: | ||
| Average total assets | $28,216,661,000 | 80 |
| Average earning assets | $25,533,679,333 | 78 |
| Average equity | $2,940,002,000 | 76 |
| Average total loans | $14,591,560,667 | 85 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0828% | 3,031 |
| Cost of funding earning assets | 0.0578% | 4,539 |
| Net interest margin | 3.0249% | 2,422 |
| Noninterest income to average assets | 0.7216% | 1,246 |
| Noninterest expense to average assets | 2.1324% | 3,039 |
| Loan and lease loss provision to assets | 0.9304% | 43 |
| Net operating income to assets | 0.3185% | 4,109 |
| Return on assets (ROA) | 0.3170% | 4,078 |
| Pretax return on assets | 0.4037% | 4,027 |
| Return on Equity (ROE) | 3.0458% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.0458% | 3,242 |
| Net charge-offs to loans | 0.5010% | 138 |
| Credit loss provision to net charge-offs | 345.7703% | 627 |
| Earnings coverage of net charge-offs (x) | 5.3044% | 1,606 |
| Efficiency ratio | 59.9094% | 3,488 |
| Assets per employee ($millions) | 9.0088% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,744 |
| Loan loss allowance to noncurrent loans | 203.2565% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 1,444 |
| Noncurrent loans to loans | 0.7103% | 1,337 |
| Net loans and leases to total assets | 51.0286% | 3,066 |
| Net loans and leases to deposits | 60.0811% | 2,903 |
| Net loans and leases to core deposits | 60.6046% | 3,093 |
| Total domestic deposits to total assets | 84.9328% | 3,550 |
| Equity capital to assets | 10.6637% | 1,509 |
| Core capital (leverage) ratio | 9.3778% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6108% | 2,377 |
| Memoranda: | ||
| Average total assets | $26,339,769,500 | 85 |
| Average earning assets | $23,917,321,000 | 83 |
| Average equity | $2,741,639,000 | 89 |
| Average total loans | $13,242,377,500 | 95 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9778% | 3,910 |
| Cost of funding earning assets | 0.0532% | 4,672 |
| Net interest margin | 2.9246% | 3,387 |
| Noninterest income to average assets | 0.7927% | 1,464 |
| Noninterest expense to average assets | 2.0337% | 3,568 |
| Loan and lease loss provision to assets | -0.0776% | 4,473 |
| Net operating income to assets | 1.1522% | 2,096 |
| Return on assets (ROA) | 1.1570% | 2,131 |
| Pretax return on assets | 1.4944% | 1,747 |
| Return on Equity (ROE) | 11.0958% | 2,133 |
| Retained earnings to average equity (ytd only) | 2.9148% | 3,671 |
| Net charge-offs to loans | 0.0752% | 1,035 |
| Credit loss provision to net charge-offs | -201.5005% | 3,514 |
| Earnings coverage of net charge-offs (x) | 36.0925% | 1,492 |
| Efficiency ratio | 57.5079% | 3,520 |
| Assets per employee ($millions) | 8.8405% | 972 |
| Cash dividends to net income (ytd only)* | 73.7303% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,331 |
| Loan loss allowance to noncurrent loans | 440.8216% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,880 |
| Noncurrent loans to loans | 0.2962% | 2,529 |
| Net loans and leases to total assets | 47.1204% | 3,588 |
| Net loans and leases to deposits | 56.7875% | 3,353 |
| Net loans and leases to core deposits | 57.4194% | 3,522 |
| Total domestic deposits to total assets | 82.9768% | 3,811 |
| Equity capital to assets | 9.9787% | 2,673 |
| Core capital (leverage) ratio | 7.2358% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5589% | 2,762 |
| Memoranda: | ||
| Average total assets | $18,755,439,600 | 107 |
| Average earning assets | $17,005,646,000 | 106 |
| Average equity | $1,955,754,800 | 113 |
| Average total loans | $9,742,433,800 | 123 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0227% | 3,964 |
| Cost of funding earning assets | 0.0562% | 4,752 |
| Net interest margin | 2.9665% | 3,396 |
| Noninterest income to average assets | 0.8077% | 1,499 |
| Noninterest expense to average assets | 2.0507% | 3,521 |
| Loan and lease loss provision to assets | -0.0369% | 4,413 |
| Net operating income to assets | 1.1451% | 2,389 |
| Return on assets (ROA) | 1.1463% | 2,442 |
| Pretax return on assets | 1.4791% | 2,050 |
| Return on Equity (ROE) | 10.8689% | 2,409 |
| Retained earnings to average equity (ytd only) | 2.6872% | 4,007 |
| Net charge-offs to loans | 0.0619% | 1,019 |
| Credit loss provision to net charge-offs | -101.6860% | 3,230 |
| Earnings coverage of net charge-offs (x) | 43.8715% | 1,308 |
| Efficiency ratio | 57.1928% | 3,393 |
| Assets per employee ($millions) | 8.6825% | 992 |
| Cash dividends to net income (ytd only)* | 75.2766% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,027 |
| Loan loss allowance to noncurrent loans | 385.9085% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 2,831 |
| Noncurrent loans to loans | 0.3623% | 2,484 |
| Net loans and leases to total assets | 49.3526% | 3,484 |
| Net loans and leases to deposits | 59.5349% | 3,272 |
| Net loans and leases to core deposits | 60.2084% | 3,457 |
| Total domestic deposits to total assets | 82.8970% | 3,733 |
| Equity capital to assets | 10.1734% | 2,738 |
| Core capital (leverage) ratio | 7.4088% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5317% | 2,849 |
| Memoranda: | ||
| Average total assets | $18,542,242,000 | 108 |
| Average earning assets | $16,775,119,000 | 107 |
| Average equity | $1,955,529,500 | 114 |
| Average total loans | $9,837,614,750 | 121 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 4,014 |
| Cost of funding earning assets | 0.0601% | 4,786 |
| Net interest margin | 2.9556% | 3,431 |
| Noninterest income to average assets | 0.7997% | 1,531 |
| Noninterest expense to average assets | 2.0727% | 3,475 |
| Loan and lease loss provision to assets | -0.0561% | 4,539 |
| Net operating income to assets | 1.1242% | 2,453 |
| Return on assets (ROA) | 1.1233% | 2,526 |
| Pretax return on assets | 1.4510% | 2,173 |
| Return on Equity (ROE) | 10.5197% | 2,582 |
| Retained earnings to average equity (ytd only) | 2.3253% | 4,045 |
| Net charge-offs to loans | 0.0802% | 868 |
| Credit loss provision to net charge-offs | -119.7733% | 3,090 |
| Earnings coverage of net charge-offs (x) | 32.1524% | 1,272 |
| Efficiency ratio | 58.1612% | 3,262 |
| Assets per employee ($millions) | 7.8960% | 1,262 |
| Cash dividends to net income (ytd only)* | 77.8960% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 2,100 |
| Loan loss allowance to noncurrent loans | 381.2240% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 2,952 |
| Noncurrent loans to loans | 0.3599% | 2,608 |
| Net loans and leases to total assets | 51.6324% | 3,378 |
| Net loans and leases to deposits | 62.6234% | 3,139 |
| Net loans and leases to core deposits | 63.3515% | 3,348 |
| Total domestic deposits to total assets | 82.4491% | 3,830 |
| Equity capital to assets | 10.3686% | 2,521 |
| Core capital (leverage) ratio | 7.4729% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4663% | 2,867 |
| Memoranda: | ||
| Average total assets | $18,286,345,000 | 108 |
| Average earning assets | $16,513,285,333 | 107 |
| Average equity | $1,952,544,000 | 114 |
| Average total loans | $9,895,127,333 | 122 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0953% | 3,893 |
| Cost of funding earning assets | 0.0634% | 4,812 |
| Net interest margin | 3.0319% | 3,175 |
| Noninterest income to average assets | 0.8464% | 1,476 |
| Noninterest expense to average assets | 2.1090% | 3,394 |
| Loan and lease loss provision to assets | -0.1141% | 4,733 |
| Net operating income to assets | 1.2292% | 2,047 |
| Return on assets (ROA) | 1.2288% | 2,130 |
| Pretax return on assets | 1.5846% | 1,774 |
| Return on Equity (ROE) | 11.3342% | 2,256 |
| Retained earnings to average equity (ytd only) | 3.1293% | 3,741 |
| Net charge-offs to loans | 0.1117% | 628 |
| Credit loss provision to net charge-offs | -173.6081% | 2,928 |
| Earnings coverage of net charge-offs (x) | 23.9129% | 1,185 |
| Efficiency ratio | 57.3203% | 3,387 |
| Assets per employee ($millions) | 7.5532% | 1,421 |
| Cash dividends to net income (ytd only)* | 72.3903% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,058 |
| Loan loss allowance to noncurrent loans | 330.6881% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,959 |
| Noncurrent loans to loans | 0.4169% | 2,603 |
| Net loans and leases to total assets | 53.2165% | 3,319 |
| Net loans and leases to deposits | 64.8174% | 3,045 |
| Net loans and leases to core deposits | 65.5934% | 3,276 |
| Total domestic deposits to total assets | 82.1022% | 3,874 |
| Equity capital to assets | 10.5126% | 2,262 |
| Core capital (leverage) ratio | 7.7549% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6695% | 2,775 |
| Memoranda: | ||
| Average total assets | $17,986,249,000 | 109 |
| Average earning assets | $16,216,552,000 | 108 |
| Average equity | $1,950,056,000 | 115 |
| Average total loans | $9,900,965,500 | 123 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6919% | 3,591 |
| Cost of funding earning assets | 0.1412% | 4,755 |
| Net interest margin | 3.5507% | 2,308 |
| Noninterest income to average assets | 0.9689% | 1,109 |
| Noninterest expense to average assets | 2.3041% | 3,389 |
| Loan and lease loss provision to assets | 0.3558% | 963 |
| Net operating income to assets | 1.1243% | 1,821 |
| Return on assets (ROA) | 1.1255% | 1,941 |
| Pretax return on assets | 1.4647% | 1,453 |
| Return on Equity (ROE) | 9.3008% | 2,285 |
| Retained earnings to average equity (ytd only) | 2.5820% | 3,555 |
| Net charge-offs to loans | 0.1474% | 1,105 |
| Credit loss provision to net charge-offs | 398.9762% | 1,438 |
| Earnings coverage of net charge-offs (x) | 20.3948% | 1,941 |
| Efficiency ratio | 54.2359% | 4,187 |
| Assets per employee ($millions) | 7.1438% | 1,482 |
| Cash dividends to net income (ytd only)* | 72.2387% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,731 |
| Loan loss allowance to noncurrent loans | 301.0450% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 2,859 |
| Noncurrent loans to loans | 0.4852% | 2,513 |
| Net loans and leases to total assets | 55.3630% | 3,358 |
| Net loans and leases to deposits | 68.4881% | 3,030 |
| Net loans and leases to core deposits | 69.4013% | 3,291 |
| Total domestic deposits to total assets | 80.8360% | 3,900 |
| Equity capital to assets | 11.1861% | 2,112 |
| Core capital (leverage) ratio | 7.8845% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8893% | 2,675 |
| Memoranda: | ||
| Average total assets | $15,988,603,600 | 110 |
| Average earning assets | $14,203,331,600 | 110 |
| Average equity | $1,934,868,800 | 110 |
| Average total loans | $9,676,396,800 | 121 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 3,636 |
| Cost of funding earning assets | 0.1632% | 4,772 |
| Net interest margin | 3.6109% | 2,237 |
| Noninterest income to average assets | 1.0362% | 969 |
| Noninterest expense to average assets | 2.3578% | 3,261 |
| Loan and lease loss provision to assets | 0.4589% | 690 |
| Net operating income to assets | 1.0938% | 2,002 |
| Return on assets (ROA) | 1.0944% | 2,128 |
| Pretax return on assets | 1.4169% | 1,675 |
| Return on Equity (ROE) | 8.8545% | 2,458 |
| Retained earnings to average equity (ytd only) | 2.6265% | 3,679 |
| Net charge-offs to loans | 0.1388% | 1,047 |
| Credit loss provision to net charge-offs | 535.3123% | 1,238 |
| Earnings coverage of net charge-offs (x) | 21.8744% | 1,849 |
| Efficiency ratio | 54.0456% | 4,141 |
| Assets per employee ($millions) | 7.3986% | 1,275 |
| Cash dividends to net income (ytd only)* | 70.3372% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,656 |
| Loan loss allowance to noncurrent loans | 267.7219% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 2,733 |
| Noncurrent loans to loans | 0.5301% | 2,477 |
| Net loans and leases to total assets | 59.4295% | 3,286 |
| Net loans and leases to deposits | 72.8218% | 3,055 |
| Net loans and leases to core deposits | 73.7888% | 3,331 |
| Total domestic deposits to total assets | 81.6095% | 3,513 |
| Equity capital to assets | 11.5274% | 1,985 |
| Core capital (leverage) ratio | 8.1794% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9126% | 2,648 |
| Memoranda: | ||
| Average total assets | $15,588,761,250 | 111 |
| Average earning assets | $13,800,302,000 | 114 |
| Average equity | $1,926,732,000 | 110 |
| Average total loans | $9,625,104,000 | 121 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,550 |
| Cost of funding earning assets | 0.1952% | 4,775 |
| Net interest margin | 3.7291% | 2,052 |
| Noninterest income to average assets | 1.0117% | 962 |
| Noninterest expense to average assets | 2.4097% | 3,242 |
| Loan and lease loss provision to assets | 0.6412% | 464 |
| Net operating income to assets | 0.9719% | 2,419 |
| Return on assets (ROA) | 0.9717% | 2,548 |
| Pretax return on assets | 1.2507% | 2,181 |
| Return on Equity (ROE) | 7.6679% | 2,875 |
| Retained earnings to average equity (ytd only) | 3.4912% | 3,185 |
| Net charge-offs to loans | 0.1144% | 1,157 |
| Credit loss provision to net charge-offs | 899.4988% | 855 |
| Earnings coverage of net charge-offs (x) | 26.5463% | 1,520 |
| Efficiency ratio | 54.3159% | 4,142 |
| Assets per employee ($millions) | 7.1167% | 1,381 |
| Cash dividends to net income (ytd only)* | 54.4699% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,472 |
| Loan loss allowance to noncurrent loans | 253.5096% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 2,729 |
| Noncurrent loans to loans | 0.5648% | 2,469 |
| Net loans and leases to total assets | 61.2770% | 3,190 |
| Net loans and leases to deposits | 75.3801% | 2,931 |
| Net loans and leases to core deposits | 76.5352% | 3,242 |
| Total domestic deposits to total assets | 81.2907% | 3,542 |
| Equity capital to assets | 11.9395% | 1,703 |
| Core capital (leverage) ratio | 8.6006% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9897% | 2,618 |
| Memoranda: | ||
| Average total assets | $15,115,204,333 | 112 |
| Average earning assets | $13,336,192,000 | 113 |
| Average equity | $1,915,394,333 | 111 |
| Average total loans | $9,415,416,667 | 123 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 3,320 |
| Cost of funding earning assets | 0.2576% | 4,755 |
| Net interest margin | 3.9127% | 1,631 |
| Noninterest income to average assets | 1.0601% | 759 |
| Noninterest expense to average assets | 2.5879% | 3,013 |
| Loan and lease loss provision to assets | 0.8005% | 308 |
| Net operating income to assets | 0.8575% | 2,670 |
| Return on assets (ROA) | 0.8571% | 2,775 |
| Pretax return on assets | 1.1083% | 2,491 |
| Return on Equity (ROE) | 6.5493% | 3,118 |
| Retained earnings to average equity (ytd only) | -1.9011% | 4,239 |
| Net charge-offs to loans | 0.1362% | 915 |
| Credit loss provision to net charge-offs | 942.8199% | 603 |
| Earnings coverage of net charge-offs (x) | 22.4865% | 1,357 |
| Efficiency ratio | 55.8242% | 4,222 |
| Assets per employee ($millions) | 6.1438% | 1,566 |
| Cash dividends to net income (ytd only)* | 129.0281% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,577 |
| Loan loss allowance to noncurrent loans | 204.5138% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 2,504 |
| Noncurrent loans to loans | 0.7003% | 2,246 |
| Net loans and leases to total assets | 61.8962% | 3,310 |
| Net loans and leases to deposits | 76.8107% | 2,998 |
| Net loans and leases to core deposits | 78.4060% | 3,324 |
| Total domestic deposits to total assets | 80.5828% | 3,749 |
| Equity capital to assets | 13.1778% | 1,350 |
| Core capital (leverage) ratio | 9.0503% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5755% | 2,903 |
| Memoranda: | ||
| Average total assets | $14,467,222,000 | 115 |
| Average earning assets | $12,708,960,500 | 114 |
| Average equity | $1,893,386,500 | 114 |
| Average total loans | $9,021,943,000 | 127 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,963 |
| Cost of funding earning assets | 0.4413% | 4,302 |
| Net interest margin | 4.0536% | 1,674 |
| Noninterest income to average assets | 1.0383% | 893 |
| Noninterest expense to average assets | 2.5147% | 3,405 |
| Loan and lease loss provision to assets | 0.0986% | 2,077 |
| Net operating income to assets | 1.5197% | 1,005 |
| Return on assets (ROA) | 1.5203% | 1,067 |
| Pretax return on assets | 1.9900% | 611 |
| Return on Equity (ROE) | 11.8809% | 1,559 |
| Retained earnings to average equity (ytd only) | 1.9823% | 4,008 |
| Net charge-offs to loans | 0.1565% | 1,283 |
| Credit loss provision to net charge-offs | 100.1808% | 2,458 |
| Earnings coverage of net charge-offs (x) | 21.2224% | 1,898 |
| Efficiency ratio | 52.9128% | 4,529 |
| Assets per employee ($millions) | 6.2883% | 1,429 |
| Cash dividends to net income (ytd only)* | 83.3154% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,282 |
| Loan loss allowance to noncurrent loans | 149.9373% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 2,834 |
| Noncurrent loans to loans | 0.5390% | 2,562 |
| Net loans and leases to total assets | 61.4332% | 3,457 |
| Net loans and leases to deposits | 76.8064% | 3,106 |
| Net loans and leases to core deposits | 78.6778% | 3,399 |
| Total domestic deposits to total assets | 79.9845% | 3,978 |
| Equity capital to assets | 12.9985% | 1,522 |
| Core capital (leverage) ratio | 8.9114% | 4,592 |
| Tier 1 risk-based capital ratio | 11.8084% | 4,468 |
| Total risk-based capital ratio | 12.4988% | 4,651 |
| Memoranda: | ||
| Average total assets | $14,052,993,200 | 112 |
| Average earning assets | $12,356,269,000 | 111 |
| Average equity | $1,798,226,800 | 114 |
| Average total loans | $8,836,036,800 | 120 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 2,968 |
| Cost of funding earning assets | 0.4771% | 4,230 |
| Net interest margin | 4.0502% | 1,763 |
| Noninterest income to average assets | 1.0569% | 824 |
| Noninterest expense to average assets | 2.5621% | 3,272 |
| Loan and lease loss provision to assets | 0.0967% | 1,978 |
| Net operating income to assets | 1.4979% | 1,191 |
| Return on assets (ROA) | 1.4986% | 1,248 |
| Pretax return on assets | 1.9582% | 752 |
| Return on Equity (ROE) | 11.7605% | 1,701 |
| Retained earnings to average equity (ytd only) | 1.9895% | 4,273 |
| Net charge-offs to loans | 0.1232% | 1,276 |
| Credit loss provision to net charge-offs | 124.3536% | 1,893 |
| Earnings coverage of net charge-offs (x) | 26.4037% | 1,743 |
| Efficiency ratio | 53.7984% | 4,415 |
| Assets per employee ($millions) | 6.4637% | 1,290 |
| Cash dividends to net income (ytd only)* | 83.0835% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 4,334 |
| Loan loss allowance to noncurrent loans | 130.9179% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 2,475 |
| Noncurrent loans to loans | 0.6289% | 2,401 |
| Net loans and leases to total assets | 61.6559% | 3,527 |
| Net loans and leases to deposits | 76.5113% | 3,251 |
| Net loans and leases to core deposits | 78.4833% | 3,511 |
| Total domestic deposits to total assets | 80.5840% | 3,851 |
| Equity capital to assets | 12.9002% | 1,685 |
| Core capital (leverage) ratio | 8.9641% | 4,665 |
| Tier 1 risk-based capital ratio | 11.6246% | 4,604 |
| Total risk-based capital ratio | 12.3308% | 4,762 |
| Memoranda: | ||
| Average total assets | $13,920,605,000 | 111 |
| Average earning assets | $12,233,030,000 | 111 |
| Average equity | $1,773,905,500 | 114 |
| Average total loans | $8,787,166,750 | 122 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 2,828 |
| Cost of funding earning assets | 0.4833% | 4,190 |
| Net interest margin | 4.0707% | 1,700 |
| Noninterest income to average assets | 1.0256% | 830 |
| Noninterest expense to average assets | 2.5891% | 3,217 |
| Loan and lease loss provision to assets | 0.1104% | 1,696 |
| Net operating income to assets | 1.4614% | 1,260 |
| Return on assets (ROA) | 1.4616% | 1,312 |
| Pretax return on assets | 1.9073% | 825 |
| Return on Equity (ROE) | 11.5203% | 1,773 |
| Retained earnings to average equity (ytd only) | 2.0715% | 4,087 |
| Net charge-offs to loans | 0.1451% | 1,068 |
| Credit loss provision to net charge-offs | 119.8984% | 1,741 |
| Earnings coverage of net charge-offs (x) | 21.9157% | 1,713 |
| Efficiency ratio | 54.5342% | 4,413 |
| Assets per employee ($millions) | 6.2157% | 1,394 |
| Cash dividends to net income (ytd only)* | 82.0189% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 4,370 |
| Loan loss allowance to noncurrent loans | 160.6685% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 2,498 |
| Noncurrent loans to loans | 0.5099% | 2,751 |
| Net loans and leases to total assets | 62.5501% | 3,488 |
| Net loans and leases to deposits | 78.1896% | 3,135 |
| Net loans and leases to core deposits | 80.2877% | 3,395 |
| Total domestic deposits to total assets | 79.9980% | 4,039 |
| Equity capital to assets | 13.0671% | 1,557 |
| Core capital (leverage) ratio | 9.0078% | 4,620 |
| Tier 1 risk-based capital ratio | 11.5639% | 4,653 |
| Total risk-based capital ratio | 12.2671% | 4,819 |
| Memoranda: | ||
| Average total assets | $13,680,713,000 | 113 |
| Average earning assets | $12,034,956,670 | 113 |
| Average equity | $1,735,664,330 | 115 |
| Average total loans | $8,682,378,000 | 123 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 3,028 |
| Cost of funding earning assets | 0.4551% | 4,266 |
| Net interest margin | 4.0015% | 1,850 |
| Noninterest income to average assets | 0.9902% | 832 |
| Noninterest expense to average assets | 2.5122% | 3,468 |
| Loan and lease loss provision to assets | 0.1125% | 1,581 |
| Net operating income to assets | 1.4530% | 1,222 |
| Return on assets (ROA) | 1.4537% | 1,251 |
| Pretax return on assets | 1.8973% | 801 |
| Return on Equity (ROE) | 11.6465% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.4782% | 3,522 |
| Net charge-offs to loans | 0.2026% | 692 |
| Credit loss provision to net charge-offs | 87.1688% | 1,734 |
| Earnings coverage of net charge-offs (x) | 15.5711% | 1,733 |
| Efficiency ratio | 54.0677% | 4,529 |
| Assets per employee ($millions) | 6.1925% | 1,407 |
| Cash dividends to net income (ytd only)* | 70.1349% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,333 |
| Loan loss allowance to noncurrent loans | 138.5917% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 2,460 |
| Noncurrent loans to loans | 0.6155% | 2,485 |
| Net loans and leases to total assets | 62.6315% | 3,443 |
| Net loans and leases to deposits | 77.8231% | 3,078 |
| Net loans and leases to core deposits | 80.2463% | 3,345 |
| Total domestic deposits to total assets | 80.4792% | 4,077 |
| Equity capital to assets | 12.5199% | 1,729 |
| Core capital (leverage) ratio | 8.9203% | 4,706 |
| Tier 1 risk-based capital ratio | 11.4291% | 4,774 |
| Total risk-based capital ratio | 12.1622% | 4,917 |
| Memoranda: | ||
| Average total assets | $13,338,779,500 | 115 |
| Average earning assets | $11,769,600,500 | 115 |
| Average equity | $1,664,979,500 | 118 |
| Average total loans | $8,493,928,000 | 125 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 4,056 |
| Cost of funding earning assets | 0.3073% | 4,537 |
| Net interest margin | 3.6842% | 3,099 |
| Noninterest income to average assets | 1.0559% | 845 |
| Noninterest expense to average assets | 2.4272% | 3,809 |
| Loan and lease loss provision to assets | 0.0657% | 2,838 |
| Net operating income to assets | 1.4174% | 1,373 |
| Return on assets (ROA) | 1.4167% | 1,366 |
| Pretax return on assets | 1.8325% | 844 |
| Return on Equity (ROE) | 11.8289% | 1,772 |
| Retained earnings to average equity (ytd only) | 2.3720% | 4,193 |
| Net charge-offs to loans | 0.0926% | 1,844 |
| Credit loss provision to net charge-offs | 110.4527% | 2,332 |
| Earnings coverage of net charge-offs (x) | 31.9347% | 1,530 |
| Efficiency ratio | 54.7969% | 4,546 |
| Assets per employee ($millions) | 5.6824% | 1,785 |
| Cash dividends to net income (ytd only)* | 79.9470% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,337 |
| Loan loss allowance to noncurrent loans | 125.4613% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 2,408 |
| Noncurrent loans to loans | 0.6842% | 2,279 |
| Net loans and leases to total assets | 63.6431% | 3,391 |
| Net loans and leases to deposits | 78.8914% | 3,062 |
| Net loans and leases to core deposits | 81.1912% | 3,334 |
| Total domestic deposits to total assets | 80.6717% | 3,962 |
| Equity capital to assets | 12.4440% | 1,612 |
| Core capital (leverage) ratio | 8.9667% | 4,683 |
| Tier 1 risk-based capital ratio | 11.2736% | 4,825 |
| Total risk-based capital ratio | 12.0135% | 4,978 |
| Memoranda: | ||
| Average total assets | $13,111,135,800 | 111 |
| Average earning assets | $11,638,534,600 | 111 |
| Average equity | $1,570,296,000 | 118 |
| Average total loans | $8,420,528,200 | 121 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,489 |
| Cost of funding earning assets | 0.2996% | 4,521 |
| Net interest margin | 3.8416% | 2,493 |
| Noninterest income to average assets | 1.1507% | 708 |
| Noninterest expense to average assets | 2.5554% | 3,424 |
| Loan and lease loss provision to assets | 0.0767% | 2,426 |
| Net operating income to assets | 1.4874% | 1,227 |
| Return on assets (ROA) | 1.4867% | 1,228 |
| Pretax return on assets | 1.9306% | 766 |
| Return on Equity (ROE) | 12.6752% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.8934% | 3,824 |
| Net charge-offs to loans | 0.0965% | 1,528 |
| Credit loss provision to net charge-offs | 126.1563% | 1,935 |
| Earnings coverage of net charge-offs (x) | 33.0289% | 1,529 |
| Efficiency ratio | 54.7457% | 4,532 |
| Assets per employee ($millions) | 5.6611% | 1,764 |
| Cash dividends to net income (ytd only)* | 69.2830% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 4,076 |
| Loan loss allowance to noncurrent loans | 110.8124% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 2,173 |
| Noncurrent loans to loans | 0.8503% | 2,001 |
| Net loans and leases to total assets | 62.5277% | 3,597 |
| Net loans and leases to deposits | 76.4325% | 3,374 |
| Net loans and leases to core deposits | 78.6611% | 3,606 |
| Total domestic deposits to total assets | 81.8077% | 3,665 |
| Equity capital to assets | 11.7084% | 2,094 |
| Core capital (leverage) ratio | 8.7677% | 4,909 |
| Tier 1 risk-based capital ratio | 11.4663% | 4,808 |
| Total risk-based capital ratio | 12.2825% | 4,921 |
| Memoranda: | ||
| Average total assets | $12,232,111,500 | 114 |
| Average earning assets | $10,867,161,750 | 116 |
| Average equity | $1,434,759,250 | 126 |
| Average total loans | $7,705,723,500 | 126 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 3,480 |
| Cost of funding earning assets | 0.2737% | 4,610 |
| Net interest margin | 3.8178% | 2,513 |
| Noninterest income to average assets | 1.1675% | 707 |
| Noninterest expense to average assets | 2.5642% | 3,434 |
| Loan and lease loss provision to assets | 0.0821% | 2,269 |
| Net operating income to assets | 1.4728% | 1,218 |
| Return on assets (ROA) | 1.4721% | 1,220 |
| Pretax return on assets | 1.9116% | 751 |
| Return on Equity (ROE) | 12.5432% | 1,531 |
| Retained earnings to average equity (ytd only) | 3.5574% | 3,821 |
| Net charge-offs to loans | 0.0797% | 1,532 |
| Credit loss provision to net charge-offs | 163.5056% | 1,494 |
| Earnings coverage of net charge-offs (x) | 39.7354% | 1,307 |
| Efficiency ratio | 54.9811% | 4,584 |
| Assets per employee ($millions) | 6.0221% | 1,447 |
| Cash dividends to net income (ytd only)* | 71.6388% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 4,087 |
| Loan loss allowance to noncurrent loans | 95.3011% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 1,959 |
| Noncurrent loans to loans | 1.0024% | 1,745 |
| Net loans and leases to total assets | 63.0842% | 3,504 |
| Net loans and leases to deposits | 77.2392% | 3,235 |
| Net loans and leases to core deposits | 79.4379% | 3,465 |
| Total domestic deposits to total assets | 81.6739% | 3,823 |
| Equity capital to assets | 11.7994% | 1,992 |
| Core capital (leverage) ratio | 8.6859% | 4,967 |
| Tier 1 risk-based capital ratio | 11.3683% | 4,858 |
| Total risk-based capital ratio | 12.1993% | 4,968 |
| Memoranda: | ||
| Average total assets | $12,184,436,330 | 113 |
| Average earning assets | $10,822,987,670 | 114 |
| Average equity | $1,430,034,670 | 123 |
| Average total loans | $7,670,466,330 | 127 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,666 |
| Cost of funding earning assets | 0.2477% | 4,719 |
| Net interest margin | 3.7366% | 2,660 |
| Noninterest income to average assets | 1.1187% | 748 |
| Noninterest expense to average assets | 2.5540% | 3,482 |
| Loan and lease loss provision to assets | 0.0673% | 2,418 |
| Net operating income to assets | 1.3964% | 1,355 |
| Return on assets (ROA) | 1.3953% | 1,364 |
| Pretax return on assets | 1.8185% | 878 |
| Return on Equity (ROE) | 11.9206% | 1,608 |
| Retained earnings to average equity (ytd only) | 2.3879% | 4,213 |
| Net charge-offs to loans | 0.0363% | 1,797 |
| Credit loss provision to net charge-offs | 296.2428% | 831 |
| Earnings coverage of net charge-offs (x) | 83.0954% | 692 |
| Efficiency ratio | 56.2080% | 4,553 |
| Assets per employee ($millions) | 5.9430% | 1,559 |
| Cash dividends to net income (ytd only)* | 79.9680% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,164 |
| Loan loss allowance to noncurrent loans | 110.1330% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 2,410 |
| Noncurrent loans to loans | 0.8731% | 2,074 |
| Net loans and leases to total assets | 61.9278% | 3,558 |
| Net loans and leases to deposits | 75.5131% | 3,267 |
| Net loans and leases to core deposits | 77.5896% | 3,531 |
| Total domestic deposits to total assets | 82.0094% | 3,960 |
| Equity capital to assets | 11.6350% | 2,038 |
| Core capital (leverage) ratio | 8.5489% | 5,109 |
| Tier 1 risk-based capital ratio | 11.4081% | 4,913 |
| Total risk-based capital ratio | 12.2492% | 5,033 |
| Memoranda: | ||
| Average total assets | $12,188,339,000 | 114 |
| Average earning assets | $10,837,418,000 | 115 |
| Average equity | $1,426,669,500 | 123 |
| Average total loans | $7,627,888,000 | 127 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3039% | 5,078 |
| Cost of funding earning assets | 0.2046% | 4,908 |
| Net interest margin | 3.0993% | 4,694 |
| Noninterest income to average assets | 1.1007% | 843 |
| Noninterest expense to average assets | 2.1526% | 4,642 |
| Loan and lease loss provision to assets | 0.0910% | 2,373 |
| Net operating income to assets | 1.1203% | 1,793 |
| Return on assets (ROA) | 1.1179% | 1,827 |
| Pretax return on assets | 1.6211% | 1,238 |
| Return on Equity (ROE) | 9.7532% | 1,998 |
| Retained earnings to average equity (ytd only) | -0.5913% | 5,129 |
| Net charge-offs to loans | 0.1999% | 1,287 |
| Credit loss provision to net charge-offs | 73.1019% | 3,047 |
| Earnings coverage of net charge-offs (x) | 13.7800% | 2,371 |
| Efficiency ratio | 54.6757% | 4,889 |
| Assets per employee ($millions) | 5.9306% | 1,565 |
| Cash dividends to net income (ytd only)* | 106.0625% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,222 |
| Loan loss allowance to noncurrent loans | 105.1246% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 2,383 |
| Noncurrent loans to loans | 0.9016% | 1,973 |
| Net loans and leases to total assets | 62.0445% | 3,617 |
| Net loans and leases to deposits | 75.8888% | 3,338 |
| Net loans and leases to core deposits | 78.0055% | 3,582 |
| Total domestic deposits to total assets | 81.7571% | 3,927 |
| Equity capital to assets | 11.7759% | 1,988 |
| Core capital (leverage) ratio | 8.4804% | 5,154 |
| Tier 1 risk-based capital ratio | 11.4598% | 4,876 |
| Total risk-based capital ratio | 12.2912% | 5,005 |
| Memoranda: | ||
| Average total assets | $12,145,011,200 | 109 |
| Average earning assets | $10,844,442,600 | 110 |
| Average equity | $1,392,051,000 | 117 |
| Average total loans | $7,562,956,200 | 118 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0633% | 5,368 |
| Cost of funding earning assets | 0.1924% | 5,037 |
| Net interest margin | 2.8708% | 5,130 |
| Noninterest income to average assets | 1.0746% | 885 |
| Noninterest expense to average assets | 2.0314% | 4,888 |
| Loan and lease loss provision to assets | 0.0827% | 2,436 |
| Net operating income to assets | 1.0045% | 2,534 |
| Return on assets (ROA) | 1.0020% | 2,594 |
| Pretax return on assets | 1.5229% | 1,697 |
| Return on Equity (ROE) | 8.8022% | 2,724 |
| Retained earnings to average equity (ytd only) | 0.9894% | 4,977 |
| Net charge-offs to loans | 0.1619% | 1,269 |
| Credit loss provision to net charge-offs | 82.0938% | 2,552 |
| Earnings coverage of net charge-offs (x) | 15.9845% | 2,198 |
| Efficiency ratio | 54.9787% | 4,849 |
| Assets per employee ($millions) | 5.8845% | 1,584 |
| Cash dividends to net income (ytd only)* | 88.7593% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,130 |
| Loan loss allowance to noncurrent loans | 93.0464% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 2,266 |
| Noncurrent loans to loans | 1.0615% | 1,820 |
| Net loans and leases to total assets | 61.5483% | 3,709 |
| Net loans and leases to deposits | 75.2637% | 3,444 |
| Net loans and leases to core deposits | 77.4360% | 3,687 |
| Total domestic deposits to total assets | 81.7768% | 3,840 |
| Equity capital to assets | 12.0402% | 1,941 |
| Core capital (leverage) ratio | 8.7205% | 5,038 |
| Tier 1 risk-based capital ratio | 11.9149% | 4,688 |
| Total risk-based capital ratio | 12.7837% | 4,832 |
| Memoranda: | ||
| Average total assets | $12,143,305,750 | 108 |
| Average earning assets | $10,854,941,500 | 110 |
| Average equity | $1,382,317,750 | 118 |
| Average total loans | $7,550,773,250 | 118 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,115 |
| Cost of funding earning assets | 0.2374% | 4,661 |
| Net interest margin | 3.4991% | 3,402 |
| Noninterest income to average assets | 1.3743% | 565 |
| Noninterest expense to average assets | 2.6551% | 3,249 |
| Loan and lease loss provision to assets | 0.0911% | 2,161 |
| Net operating income to assets | 1.1525% | 1,767 |
| Return on assets (ROA) | 1.1526% | 1,817 |
| Pretax return on assets | 1.7845% | 874 |
| Return on Equity (ROE) | 10.9978% | 1,652 |
| Retained earnings to average equity (ytd only) | -2.8354% | 5,417 |
| Net charge-offs to loans | 0.1686% | 1,155 |
| Credit loss provision to net charge-offs | 88.8430% | 2,157 |
| Earnings coverage of net charge-offs (x) | 18.2877% | 1,890 |
| Efficiency ratio | 57.9840% | 4,592 |
| Assets per employee ($millions) | 5.6202% | 1,771 |
| Cash dividends to net income (ytd only)* | 125.7813% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 2,036 |
| Loan loss allowance to noncurrent loans | 91.3822% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 1,668 |
| Noncurrent loans to loans | 1.5097% | 1,243 |
| Net loans and leases to total assets | 61.0938% | 3,737 |
| Net loans and leases to deposits | 74.4506% | 3,497 |
| Net loans and leases to core deposits | 76.6713% | 3,710 |
| Total domestic deposits to total assets | 82.0595% | 3,869 |
| Equity capital to assets | 10.4700% | 3,384 |
| Core capital (leverage) ratio | 8.6701% | 5,069 |
| Tier 1 risk-based capital ratio | 11.8061% | 4,756 |
| Total risk-based capital ratio | 12.9997% | 4,692 |
| Memoranda: | ||
| Average total assets | $8,967,163,000 | 137 |
| Average earning assets | $8,088,649,670 | 140 |
| Average equity | $939,767,670 | 155 |
| Average total loans | $5,453,357,330 | 156 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 4,210 |
| Cost of funding earning assets | 0.2205% | 4,799 |
| Net interest margin | 3.4484% | 3,451 |
| Noninterest income to average assets | 1.2602% | 648 |
| Noninterest expense to average assets | 2.6314% | 3,373 |
| Loan and lease loss provision to assets | 0.0767% | 2,279 |
| Net operating income to assets | 1.0872% | 1,925 |
| Return on assets (ROA) | 1.0873% | 1,969 |
| Pretax return on assets | 1.6689% | 1,071 |
| Return on Equity (ROE) | 10.3699% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.3699% | 732 |
| Net charge-offs to loans | 0.1260% | 1,166 |
| Credit loss provision to net charge-offs | 100.9924% | 1,554 |
| Earnings coverage of net charge-offs (x) | 22.9831% | 1,397 |
| Efficiency ratio | 59.4818% | 4,531 |
| Assets per employee ($millions) | 5.6853% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,028 |
| Loan loss allowance to noncurrent loans | 96.3644% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9831% | 1,863 |
| Noncurrent loans to loans | 1.4657% | 1,374 |
| Net loans and leases to total assets | 59.0870% | 3,875 |
| Net loans and leases to deposits | 72.8890% | 3,523 |
| Net loans and leases to core deposits | 75.1327% | 3,728 |
| Total domestic deposits to total assets | 81.0645% | 4,401 |
| Equity capital to assets | 10.6736% | 2,989 |
| Core capital (leverage) ratio | 9.0177% | 4,715 |
| Tier 1 risk-based capital ratio | 12.3201% | 4,498 |
| Total risk-based capital ratio | 13.5153% | 4,432 |
| Memoranda: | ||
| Average total assets | $9,022,027,500 | 139 |
| Average earning assets | $8,154,032,500 | 137 |
| Average equity | $945,965,500 | 153 |
| Average total loans | $5,436,514,000 | 157 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,019 |
| Cost of funding earning assets | 0.1696% | 5,289 |
| Net interest margin | 3.5925% | 3,093 |
| Noninterest income to average assets | 1.3839% | 598 |
| Noninterest expense to average assets | 2.6458% | 3,538 |
| Loan and lease loss provision to assets | 0.1138% | 2,167 |
| Net operating income to assets | 1.2232% | 1,428 |
| Return on assets (ROA) | 1.2257% | 1,515 |
| Pretax return on assets | 1.8764% | 654 |
| Return on Equity (ROE) | 11.0888% | 1,549 |
| Retained earnings to average equity (ytd only) | -3.3326% | 5,602 |
| Net charge-offs to loans | 0.1969% | 1,409 |
| Credit loss provision to net charge-offs | 94.3081% | 2,719 |
| Earnings coverage of net charge-offs (x) | 16.4681% | 2,105 |
| Efficiency ratio | 56.2749% | 5,039 |
| Assets per employee ($millions) | 5.6035% | 1,778 |
| Cash dividends to net income (ytd only)* | 130.0535% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,116 |
| Loan loss allowance to noncurrent loans | 99.5182% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 1,977 |
| Noncurrent loans to loans | 1.3986% | 1,456 |
| Net loans and leases to total assets | 59.7385% | 3,882 |
| Net loans and leases to deposits | 73.2020% | 3,591 |
| Net loans and leases to core deposits | 75.6030% | 3,781 |
| Total domestic deposits to total assets | 81.6077% | 4,176 |
| Equity capital to assets | 10.2972% | 3,388 |
| Core capital (leverage) ratio | 8.6948% | 5,081 |
| Tier 1 risk-based capital ratio | 11.9400% | 4,773 |
| Total risk-based capital ratio | 13.1284% | 4,697 |
| Memoranda: | ||
| Average total assets | $8,782,909,000 | 133 |
| Average earning assets | $7,941,314,600 | 132 |
| Average equity | $970,781,400 | 145 |
| Average total loans | $5,379,437,800 | 152 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,170 |
| Cost of funding earning assets | 0.1690% | 5,354 |
| Net interest margin | 3.5554% | 3,253 |
| Noninterest income to average assets | 1.3673% | 627 |
| Noninterest expense to average assets | 2.5884% | 3,707 |
| Loan and lease loss provision to assets | 0.1363% | 1,723 |
| Net operating income to assets | 1.2128% | 1,596 |
| Return on assets (ROA) | 1.2159% | 1,683 |
| Pretax return on assets | 1.8628% | 774 |
| Return on Equity (ROE) | 10.8086% | 1,745 |
| Retained earnings to average equity (ytd only) | 2.6522% | 4,327 |
| Net charge-offs to loans | 0.1119% | 1,825 |
| Credit loss provision to net charge-offs | 198.2870% | 1,449 |
| Earnings coverage of net charge-offs (x) | 29.0136% | 1,522 |
| Efficiency ratio | 55.6384% | 5,096 |
| Assets per employee ($millions) | 5.5146% | 1,837 |
| Cash dividends to net income (ytd only)* | 75.4622% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,888 |
| Loan loss allowance to noncurrent loans | 102.0540% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 2,082 |
| Noncurrent loans to loans | 1.4400% | 1,505 |
| Net loans and leases to total assets | 60.8918% | 3,755 |
| Net loans and leases to deposits | 74.3171% | 3,570 |
| Net loans and leases to core deposits | 76.9962% | 3,755 |
| Total domestic deposits to total assets | 81.9352% | 3,954 |
| Equity capital to assets | 11.2012% | 2,797 |
| Core capital (leverage) ratio | 9.5459% | 4,121 |
| Tier 1 risk-based capital ratio | 12.6808% | 4,350 |
| Total risk-based capital ratio | 13.9309% | 4,259 |
| Memoranda: | ||
| Average total assets | $8,719,019,000 | 133 |
| Average earning assets | $7,885,416,750 | 132 |
| Average equity | $980,798,750 | 144 |
| Average total loans | $5,355,381,750 | 150 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 4,280 |
| Cost of funding earning assets | 0.1713% | 5,400 |
| Net interest margin | 3.5357% | 3,350 |
| Noninterest income to average assets | 1.4443% | 555 |
| Noninterest expense to average assets | 2.6604% | 3,517 |
| Loan and lease loss provision to assets | 0.1516% | 1,512 |
| Net operating income to assets | 1.1950% | 1,623 |
| Return on assets (ROA) | 1.1963% | 1,709 |
| Pretax return on assets | 1.8342% | 812 |
| Return on Equity (ROE) | 10.6192% | 1,796 |
| Retained earnings to average equity (ytd only) | -1.7041% | 5,509 |
| Net charge-offs to loans | 0.1143% | 1,683 |
| Credit loss provision to net charge-offs | 216.3859% | 1,235 |
| Earnings coverage of net charge-offs (x) | 28.3234% | 1,433 |
| Efficiency ratio | 56.4607% | 5,095 |
| Assets per employee ($millions) | 5.2494% | 2,037 |
| Cash dividends to net income (ytd only)* | 116.0474% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,921 |
| Loan loss allowance to noncurrent loans | 101.9996% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 2,121 |
| Noncurrent loans to loans | 1.4559% | 1,521 |
| Net loans and leases to total assets | 62.1753% | 3,607 |
| Net loans and leases to deposits | 76.3391% | 3,343 |
| Net loans and leases to core deposits | 79.1820% | 3,533 |
| Total domestic deposits to total assets | 81.4462% | 4,150 |
| Equity capital to assets | 11.3822% | 2,664 |
| Core capital (leverage) ratio | 9.5708% | 4,104 |
| Tier 1 risk-based capital ratio | 12.6841% | 4,397 |
| Total risk-based capital ratio | 13.9344% | 4,305 |
| Memoranda: | ||
| Average total assets | $8,643,802,330 | 132 |
| Average earning assets | $7,822,415,330 | 131 |
| Average equity | $973,760,330 | 144 |
| Average total loans | $5,297,906,670 | 149 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6990% | 4,328 |
| Cost of funding earning assets | 0.1735% | 5,439 |
| Net interest margin | 3.5255% | 3,372 |
| Noninterest income to average assets | 1.2454% | 702 |
| Noninterest expense to average assets | 2.6138% | 3,711 |
| Loan and lease loss provision to assets | 0.1843% | 1,082 |
| Net operating income to assets | 1.0768% | 1,993 |
| Return on assets (ROA) | 1.0762% | 2,102 |
| Pretax return on assets | 1.6395% | 1,207 |
| Return on Equity (ROE) | 9.6021% | 2,156 |
| Retained earnings to average equity (ytd only) | -2.7336% | 5,453 |
| Net charge-offs to loans | 0.0681% | 1,804 |
| Credit loss provision to net charge-offs | 447.9283% | 656 |
| Earnings coverage of net charge-offs (x) | 44.3404% | 952 |
| Efficiency ratio | 58.0295% | 4,994 |
| Assets per employee ($millions) | 5.2294% | 2,107 |
| Cash dividends to net income (ytd only)* | 128.4687% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,888 |
| Loan loss allowance to noncurrent loans | 117.1906% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8944% | 2,449 |
| Noncurrent loans to loans | 1.3013% | 1,850 |
| Net loans and leases to total assets | 59.5979% | 3,834 |
| Net loans and leases to deposits | 72.6145% | 3,587 |
| Net loans and leases to core deposits | 75.1872% | 3,761 |
| Total domestic deposits to total assets | 82.0743% | 4,203 |
| Equity capital to assets | 11.2189% | 2,713 |
| Core capital (leverage) ratio | 9.5105% | 4,179 |
| Tier 1 risk-based capital ratio | 12.9693% | 4,284 |
| Total risk-based capital ratio | 14.2199% | 4,199 |
| Memoranda: | ||
| Average total assets | $8,679,563,500 | 133 |
| Average earning assets | $7,861,379,000 | 132 |
| Average equity | $972,783,000 | 146 |
| Average total loans | $5,241,768,500 | 151 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,436 |
| Cost of funding earning assets | 0.1817% | 5,435 |
| Net interest margin | 3.4952% | 3,542 |
| Noninterest income to average assets | 1.4179% | 601 |
| Noninterest expense to average assets | 2.7643% | 3,371 |
| Loan and lease loss provision to assets | 0.0799% | 2,685 |
| Net operating income to assets | 1.1395% | 1,773 |
| Return on assets (ROA) | 1.1406% | 1,834 |
| Pretax return on assets | 1.7330% | 926 |
| Return on Equity (ROE) | 10.2271% | 1,915 |
| Retained earnings to average equity (ytd only) | 2.8798% | 4,013 |
| Net charge-offs to loans | 0.0830% | 2,647 |
| Credit loss provision to net charge-offs | 162.2354% | 1,658 |
| Earnings coverage of net charge-offs (x) | 36.7974% | 1,256 |
| Efficiency ratio | 59.5475% | 4,969 |
| Assets per employee ($millions) | 5.2883% | 2,018 |
| Cash dividends to net income (ytd only)* | 71.8413% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 2,156 |
| Loan loss allowance to noncurrent loans | 106.7095% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 2,419 |
| Noncurrent loans to loans | 1.3732% | 1,710 |
| Net loans and leases to total assets | 59.3809% | 3,921 |
| Net loans and leases to deposits | 72.8884% | 3,628 |
| Net loans and leases to core deposits | 75.5911% | 3,792 |
| Total domestic deposits to total assets | 81.4683% | 4,348 |
| Equity capital to assets | 11.1966% | 2,635 |
| Core capital (leverage) ratio | 9.4992% | 4,168 |
| Tier 1 risk-based capital ratio | 13.1328% | 4,216 |
| Total risk-based capital ratio | 14.3828% | 4,140 |
| Memoranda: | ||
| Average total assets | $8,542,891,000 | 129 |
| Average earning assets | $7,717,601,400 | 124 |
| Average equity | $952,736,200 | 145 |
| Average total loans | $5,066,974,000 | 148 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,572 |
| Cost of funding earning assets | 0.1820% | 5,530 |
| Net interest margin | 3.4685% | 3,678 |
| Noninterest income to average assets | 1.4366% | 606 |
| Noninterest expense to average assets | 2.8152% | 3,124 |
| Loan and lease loss provision to assets | 0.0554% | 3,087 |
| Net operating income to assets | 1.1197% | 1,924 |
| Return on assets (ROA) | 1.1205% | 1,996 |
| Pretax return on assets | 1.6992% | 1,107 |
| Return on Equity (ROE) | 10.0574% | 2,083 |
| Retained earnings to average equity (ytd only) | 1.6136% | 5,058 |
| Net charge-offs to loans | 0.0923% | 2,238 |
| Credit loss provision to net charge-offs | 101.6106% | 2,230 |
| Earnings coverage of net charge-offs (x) | 32.1640% | 1,429 |
| Efficiency ratio | 60.7448% | 4,784 |
| Assets per employee ($millions) | 5.2160% | 2,045 |
| Cash dividends to net income (ytd only)* | 83.9560% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 2,430 |
| Loan loss allowance to noncurrent loans | 106.5121% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 2,609 |
| Noncurrent loans to loans | 1.3477% | 1,899 |
| Net loans and leases to total assets | 59.4235% | 3,944 |
| Net loans and leases to deposits | 72.4650% | 3,709 |
| Net loans and leases to core deposits | 75.1229% | 3,899 |
| Total domestic deposits to total assets | 82.0031% | 4,160 |
| Equity capital to assets | 11.2244% | 2,775 |
| Core capital (leverage) ratio | 9.4985% | 4,304 |
| Tier 1 risk-based capital ratio | 12.9555% | 4,449 |
| Total risk-based capital ratio | 14.2741% | 4,340 |
| Memoranda: | ||
| Average total assets | $8,503,818,250 | 129 |
| Average earning assets | $7,678,896,250 | 126 |
| Average equity | $947,416,750 | 145 |
| Average total loans | $5,023,100,000 | 149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 4,625 |
| Cost of funding earning assets | 0.1829% | 5,593 |
| Net interest margin | 3.4510% | 3,707 |
| Noninterest income to average assets | 1.4142% | 636 |
| Noninterest expense to average assets | 2.7391% | 3,453 |
| Loan and lease loss provision to assets | 0.0574% | 2,949 |
| Net operating income to assets | 1.1423% | 1,801 |
| Return on assets (ROA) | 1.1431% | 1,875 |
| Pretax return on assets | 1.7362% | 1,008 |
| Return on Equity (ROE) | 10.2862% | 1,940 |
| Retained earnings to average equity (ytd only) | 1.7954% | 4,803 |
| Net charge-offs to loans | 0.0033% | 3,787 |
| Credit loss provision to net charge-offs | 2,933.7349% | 146 |
| Earnings coverage of net charge-offs (x) | 915.4458% | 62 |
| Efficiency ratio | 59.5563% | 5,041 |
| Assets per employee ($millions) | 5.1343% | 2,114 |
| Cash dividends to net income (ytd only)* | 82.5457% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,291 |
| Loan loss allowance to noncurrent loans | 104.8643% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,490 |
| Noncurrent loans to loans | 1.4311% | 1,868 |
| Net loans and leases to total assets | 60.1091% | 3,823 |
| Net loans and leases to deposits | 73.8370% | 3,508 |
| Net loans and leases to core deposits | 76.6281% | 3,703 |
| Total domestic deposits to total assets | 81.4079% | 4,481 |
| Equity capital to assets | 11.3095% | 2,568 |
| Core capital (leverage) ratio | 9.4367% | 4,369 |
| Tier 1 risk-based capital ratio | 12.9590% | 4,541 |
| Total risk-based capital ratio | 14.3095% | 4,399 |
| Memoranda: | ||
| Average total assets | $8,478,331,670 | 131 |
| Average earning assets | $7,658,674,330 | 127 |
| Average equity | $942,193,330 | 147 |
| Average total loans | $4,973,146,330 | 149 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5763% | 4,762 |
| Cost of funding earning assets | 0.1825% | 5,665 |
| Net interest margin | 3.3938% | 3,868 |
| Noninterest income to average assets | 1.3093% | 668 |
| Noninterest expense to average assets | 2.6653% | 3,710 |
| Loan and lease loss provision to assets | 0.0513% | 2,911 |
| Net operating income to assets | 1.1038% | 1,860 |
| Return on assets (ROA) | 1.1039% | 1,963 |
| Pretax return on assets | 1.6664% | 1,125 |
| Return on Equity (ROE) | 10.0205% | 2,002 |
| Retained earnings to average equity (ytd only) | 1.5156% | 4,879 |
| Net charge-offs to loans | -0.0033% | 4,416 |
| Credit loss provision to net charge-offs | -2,670.7317% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9004% | 5,100 |
| Assets per employee ($millions) | 5.2052% | 2,106 |
| Cash dividends to net income (ytd only)* | 84.8752% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 2,328 |
| Loan loss allowance to noncurrent loans | 95.1969% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 2,414 |
| Noncurrent loans to loans | 1.6071% | 1,736 |
| Net loans and leases to total assets | 57.0470% | 4,083 |
| Net loans and leases to deposits | 69.5850% | 3,793 |
| Net loans and leases to core deposits | 72.2402% | 3,941 |
| Total domestic deposits to total assets | 81.9818% | 4,512 |
| Equity capital to assets | 11.1266% | 2,836 |
| Core capital (leverage) ratio | 9.2980% | 4,574 |
| Tier 1 risk-based capital ratio | 13.1832% | 4,511 |
| Total risk-based capital ratio | 14.5363% | 4,359 |
| Memoranda: | ||
| Average total assets | $8,538,168,500 | 128 |
| Average earning assets | $7,732,203,500 | 124 |
| Average equity | $940,628,000 | 147 |
| Average total loans | $4,909,284,500 | 150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 5,170 |
| Cost of funding earning assets | 0.1942% | 5,795 |
| Net interest margin | 3.3747% | 4,304 |
| Noninterest income to average assets | 1.3326% | 695 |
| Noninterest expense to average assets | 2.6711% | 3,971 |
| Loan and lease loss provision to assets | -0.0794% | 6,104 |
| Net operating income to assets | 1.1580% | 1,734 |
| Return on assets (ROA) | 1.1584% | 1,802 |
| Pretax return on assets | 1.7831% | 826 |
| Return on Equity (ROE) | 10.7082% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.1778% | 3,228 |
| Net charge-offs to loans | 0.0935% | 3,162 |
| Credit loss provision to net charge-offs | -146.5471% | 5,574 |
| Earnings coverage of net charge-offs (x) | 31.4241% | 1,291 |
| Efficiency ratio | 60.4503% | 5,155 |
| Assets per employee ($millions) | 5.3236% | 1,934 |
| Cash dividends to net income (ytd only)* | 60.9851% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 2,403 |
| Loan loss allowance to noncurrent loans | 114.5504% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 2,933 |
| Noncurrent loans to loans | 1.3235% | 2,223 |
| Net loans and leases to total assets | 56.2016% | 4,307 |
| Net loans and leases to deposits | 68.7855% | 4,053 |
| Net loans and leases to core deposits | 71.4615% | 4,172 |
| Total domestic deposits to total assets | 81.7056% | 4,525 |
| Equity capital to assets | 10.9079% | 2,998 |
| Core capital (leverage) ratio | 9.1478% | 4,757 |
| Tier 1 risk-based capital ratio | 13.6454% | 4,328 |
| Total risk-based capital ratio | 15.0593% | 4,161 |
| Memoranda: | ||
| Average total assets | $8,337,105,400 | 126 |
| Average earning assets | $7,513,922,000 | 123 |
| Average equity | $901,934,400 | 145 |
| Average total loans | $4,830,490,200 | 144 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 4,807 |
| Cost of funding earning assets | 0.2033% | 5,796 |
| Net interest margin | 3.5134% | 3,773 |
| Noninterest income to average assets | 1.3788% | 654 |
| Noninterest expense to average assets | 2.8378% | 3,324 |
| Loan and lease loss provision to assets | -0.1177% | 6,306 |
| Net operating income to assets | 1.1880% | 1,719 |
| Return on assets (ROA) | 1.1890% | 1,787 |
| Pretax return on assets | 1.8323% | 828 |
| Return on Equity (ROE) | 11.1988% | 1,716 |
| Retained earnings to average equity (ytd only) | 3.9471% | 3,840 |
| Net charge-offs to loans | 0.1312% | 2,484 |
| Credit loss provision to net charge-offs | -154.9461% | 5,512 |
| Earnings coverage of net charge-offs (x) | 22.5593% | 1,624 |
| Efficiency ratio | 61.9499% | 4,887 |
| Assets per employee ($millions) | 5.1167% | 2,120 |
| Cash dividends to net income (ytd only)* | 64.7547% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 2,137 |
| Loan loss allowance to noncurrent loans | 101.5736% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 2,698 |
| Noncurrent loans to loans | 1.6244% | 2,009 |
| Net loans and leases to total assets | 56.4108% | 4,278 |
| Net loans and leases to deposits | 68.6158% | 4,068 |
| Net loans and leases to core deposits | 71.2088% | 4,227 |
| Total domestic deposits to total assets | 82.2126% | 4,409 |
| Equity capital to assets | 10.5162% | 3,534 |
| Core capital (leverage) ratio | 8.9919% | 5,081 |
| Tier 1 risk-based capital ratio | 13.3835% | 4,614 |
| Total risk-based capital ratio | 14.8135% | 4,440 |
| Memoranda: | ||
| Average total assets | $7,649,999,000 | 134 |
| Average earning assets | $6,906,843,000 | 132 |
| Average equity | $812,196,500 | 153 |
| Average total loans | $4,426,998,250 | 155 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,777 |
| Cost of funding earning assets | 0.2091% | 5,837 |
| Net interest margin | 3.5173% | 3,710 |
| Noninterest income to average assets | 1.3235% | 686 |
| Noninterest expense to average assets | 2.7437% | 3,718 |
| Loan and lease loss provision to assets | -0.1846% | 6,462 |
| Net operating income to assets | 1.2529% | 1,438 |
| Return on assets (ROA) | 1.2544% | 1,498 |
| Pretax return on assets | 1.9373% | 631 |
| Return on Equity (ROE) | 11.7765% | 1,488 |
| Retained earnings to average equity (ytd only) | 4.4866% | 3,320 |
| Net charge-offs to loans | 0.0033% | 4,279 |
| Credit loss provision to net charge-offs | -9,723.6111% | 5,944 |
| Earnings coverage of net charge-offs (x) | 922.0278% | 70 |
| Efficiency ratio | 60.6358% | 5,204 |
| Assets per employee ($millions) | 4.8660% | 2,383 |
| Cash dividends to net income (ytd only)* | 61.9023% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 2,012 |
| Loan loss allowance to noncurrent loans | 96.9983% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 2,569 |
| Noncurrent loans to loans | 1.7916% | 1,921 |
| Net loans and leases to total assets | 58.0017% | 3,993 |
| Net loans and leases to deposits | 71.6168% | 3,624 |
| Net loans and leases to core deposits | 74.5524% | 3,779 |
| Total domestic deposits to total assets | 80.9890% | 4,985 |
| Equity capital to assets | 10.7610% | 3,133 |
| Core capital (leverage) ratio | 9.0534% | 4,937 |
| Tier 1 risk-based capital ratio | 13.1546% | 4,816 |
| Total risk-based capital ratio | 14.5853% | 4,635 |
| Memoranda: | ||
| Average total assets | $7,585,350,330 | 136 |
| Average earning assets | $6,837,455,000 | 134 |
| Average equity | $807,966,000 | 154 |
| Average total loans | $4,402,976,670 | 153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,889 |
| Cost of funding earning assets | 0.2123% | 5,901 |
| Net interest margin | 3.4760% | 3,800 |
| Noninterest income to average assets | 1.2567% | 700 |
| Noninterest expense to average assets | 2.7222% | 3,864 |
| Loan and lease loss provision to assets | -0.2644% | 6,604 |
| Net operating income to assets | 1.2547% | 1,332 |
| Return on assets (ROA) | 1.2572% | 1,380 |
| Pretax return on assets | 1.9404% | 602 |
| Return on Equity (ROE) | 11.8639% | 1,448 |
| Retained earnings to average equity (ytd only) | 4.5145% | 3,407 |
| Net charge-offs to loans | -0.0949% | 6,099 |
| Credit loss provision to net charge-offs | 484.0271% | 559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5203% | 5,197 |
| Assets per employee ($millions) | 4.8861% | 2,387 |
| Cash dividends to net income (ytd only)* | 61.9478% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 1,856 |
| Loan loss allowance to noncurrent loans | 90.5995% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4023% | 2,534 |
| Noncurrent loans to loans | 2.0588% | 1,801 |
| Net loans and leases to total assets | 56.4182% | 4,090 |
| Net loans and leases to deposits | 69.7763% | 3,633 |
| Net loans and leases to core deposits | 72.6964% | 3,795 |
| Total domestic deposits to total assets | 80.8558% | 5,273 |
| Equity capital to assets | 10.6781% | 3,066 |
| Core capital (leverage) ratio | 9.0104% | 4,994 |
| Tier 1 risk-based capital ratio | 13.3095% | 4,817 |
| Total risk-based capital ratio | 14.7466% | 4,621 |
| Memoranda: | ||
| Average total assets | $7,563,071,500 | 136 |
| Average earning assets | $6,826,982,500 | 133 |
| Average equity | $801,422,500 | 156 |
| Average total loans | $4,352,594,000 | 154 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 4,725 |
| Cost of funding earning assets | 0.2458% | 5,995 |
| Net interest margin | 3.5774% | 3,561 |
| Noninterest income to average assets | 1.4349% | 676 |
| Noninterest expense to average assets | 2.7836% | 3,782 |
| Loan and lease loss provision to assets | -0.0819% | 6,453 |
| Net operating income to assets | 1.2728% | 1,322 |
| Return on assets (ROA) | 1.2728% | 1,381 |
| Pretax return on assets | 1.9721% | 518 |
| Return on Equity (ROE) | 11.9064% | 1,445 |
| Retained earnings to average equity (ytd only) | 2.9707% | 4,127 |
| Net charge-offs to loans | 0.2113% | 2,773 |
| Credit loss provision to net charge-offs | -67.7020% | 5,828 |
| Earnings coverage of net charge-offs (x) | 15.6156% | 1,856 |
| Efficiency ratio | 59.1532% | 5,584 |
| Assets per employee ($millions) | 4.8632% | 2,359 |
| Cash dividends to net income (ytd only)* | 75.0497% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 1,635 |
| Loan loss allowance to noncurrent loans | 88.2066% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 2,497 |
| Noncurrent loans to loans | 2.2279% | 1,741 |
| Net loans and leases to total assets | 56.4790% | 4,251 |
| Net loans and leases to deposits | 69.4058% | 3,855 |
| Net loans and leases to core deposits | 72.3458% | 4,027 |
| Total domestic deposits to total assets | 81.3751% | 5,077 |
| Equity capital to assets | 10.5144% | 3,137 |
| Core capital (leverage) ratio | 8.8993% | 5,142 |
| Tier 1 risk-based capital ratio | 13.1986% | 4,852 |
| Total risk-based capital ratio | 14.6982% | 4,626 |
| Memoranda: | ||
| Average total assets | $7,474,339,400 | 135 |
| Average earning assets | $6,767,100,200 | 132 |
| Average equity | $799,044,200 | 148 |
| Average total loans | $4,281,538,800 | 152 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 4,762 |
| Cost of funding earning assets | 0.2535% | 6,059 |
| Net interest margin | 3.5693% | 3,583 |
| Noninterest income to average assets | 1.4909% | 664 |
| Noninterest expense to average assets | 2.7750% | 3,747 |
| Loan and lease loss provision to assets | -0.0380% | 6,531 |
| Net operating income to assets | 1.2809% | 1,394 |
| Return on assets (ROA) | 1.2812% | 1,464 |
| Pretax return on assets | 1.9882% | 589 |
| Return on Equity (ROE) | 11.9350% | 1,489 |
| Retained earnings to average equity (ytd only) | 3.7087% | 4,057 |
| Net charge-offs to loans | 0.1686% | 2,869 |
| Credit loss provision to net charge-offs | -39.3810% | 5,689 |
| Earnings coverage of net charge-offs (x) | 20.2124% | 1,600 |
| Efficiency ratio | 58.3319% | 5,646 |
| Assets per employee ($millions) | 4.8322% | 2,389 |
| Cash dividends to net income (ytd only)* | 68.9261% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,417 |
| Loan loss allowance to noncurrent loans | 96.6070% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 2,629 |
| Noncurrent loans to loans | 2.2229% | 1,989 |
| Net loans and leases to total assets | 56.7201% | 4,218 |
| Net loans and leases to deposits | 69.3622% | 3,876 |
| Net loans and leases to core deposits | 72.6668% | 4,012 |
| Total domestic deposits to total assets | 81.7738% | 5,002 |
| Equity capital to assets | 10.6982% | 3,073 |
| Core capital (leverage) ratio | 9.0229% | 5,095 |
| Tier 1 risk-based capital ratio | 13.4034% | 4,834 |
| Total risk-based capital ratio | 14.9098% | 4,608 |
| Memoranda: | ||
| Average total assets | $7,458,434,500 | 134 |
| Average earning assets | $6,757,356,000 | 131 |
| Average equity | $800,663,000 | 146 |
| Average total loans | $4,266,248,250 | 146 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 4,701 |
| Cost of funding earning assets | 0.2617% | 6,093 |
| Net interest margin | 3.5761% | 3,463 |
| Noninterest income to average assets | 1.4968% | 701 |
| Noninterest expense to average assets | 2.8184% | 3,614 |
| Loan and lease loss provision to assets | 0.0235% | 4,445 |
| Net operating income to assets | 1.2229% | 1,533 |
| Return on assets (ROA) | 1.2228% | 1,636 |
| Pretax return on assets | 1.8937% | 760 |
| Return on Equity (ROE) | 11.3782% | 1,693 |
| Retained earnings to average equity (ytd only) | 4.5380% | 3,383 |
| Net charge-offs to loans | 0.1347% | 3,026 |
| Credit loss provision to net charge-offs | 30.6158% | 3,580 |
| Earnings coverage of net charge-offs (x) | 25.0035% | 1,275 |
| Efficiency ratio | 59.1130% | 5,591 |
| Assets per employee ($millions) | 4.5909% | 2,661 |
| Cash dividends to net income (ytd only)* | 60.1167% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2948% | 1,268 |
| Loan loss allowance to noncurrent loans | 93.4145% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.7671% | 2,463 |
| Noncurrent loans to loans | 2.4565% | 1,899 |
| Net loans and leases to total assets | 57.7979% | 4,023 |
| Net loans and leases to deposits | 70.7369% | 3,622 |
| Net loans and leases to core deposits | 74.3386% | 3,757 |
| Total domestic deposits to total assets | 81.7082% | 5,141 |
| Equity capital to assets | 10.9401% | 2,807 |
| Core capital (leverage) ratio | 8.9765% | 5,032 |
| Tier 1 risk-based capital ratio | 13.3694% | 4,863 |
| Total risk-based capital ratio | 14.8787% | 4,650 |
| Memoranda: | ||
| Average total assets | $7,454,399,000 | 134 |
| Average earning assets | $6,751,303,330 | 131 |
| Average equity | $801,145,670 | 144 |
| Average total loans | $4,244,900,330 | 146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 4,754 |
| Cost of funding earning assets | 0.2684% | 6,171 |
| Net interest margin | 3.5529% | 3,465 |
| Noninterest income to average assets | 1.3881% | 801 |
| Noninterest expense to average assets | 2.7467% | 3,890 |
| Loan and lease loss provision to assets | 0.0265% | 4,136 |
| Net operating income to assets | 1.1841% | 1,573 |
| Return on assets (ROA) | 1.1843% | 1,684 |
| Pretax return on assets | 1.8325% | 834 |
| Return on Equity (ROE) | 11.1158% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.4490% | 2,977 |
| Net charge-offs to loans | 0.2945% | 1,789 |
| Credit loss provision to net charge-offs | 16.0927% | 3,090 |
| Earnings coverage of net charge-offs (x) | 11.2945% | 1,669 |
| Efficiency ratio | 59.2359% | 5,693 |
| Assets per employee ($millions) | 4.6317% | 2,755 |
| Cash dividends to net income (ytd only)* | 50.9793% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 1,378 |
| Loan loss allowance to noncurrent loans | 97.3472% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7953% | 2,610 |
| Noncurrent loans to loans | 2.3828% | 2,179 |
| Net loans and leases to total assets | 55.6346% | 4,143 |
| Net loans and leases to deposits | 68.3905% | 3,727 |
| Net loans and leases to core deposits | 72.1399% | 3,802 |
| Total domestic deposits to total assets | 81.3484% | 5,405 |
| Equity capital to assets | 10.9090% | 3,065 |
| Core capital (leverage) ratio | 8.6719% | 5,361 |
| Tier 1 risk-based capital ratio | 13.2359% | 5,052 |
| Total risk-based capital ratio | 14.8085% | 4,788 |
| Memoranda: | ||
| Average total assets | $7,552,513,500 | 135 |
| Average earning assets | $6,838,859,000 | 134 |
| Average equity | $804,692,000 | 147 |
| Average total loans | $4,220,553,000 | 151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 4,919 |
| Cost of funding earning assets | 0.3514% | 6,204 |
| Net interest margin | 3.7570% | 3,409 |
| Noninterest income to average assets | 1.4095% | 782 |
| Noninterest expense to average assets | 2.8374% | 3,885 |
| Loan and lease loss provision to assets | 0.5496% | 1,042 |
| Net operating income to assets | 0.9265% | 2,668 |
| Return on assets (ROA) | 0.9296% | 2,898 |
| Pretax return on assets | 1.4187% | 1,969 |
| Return on Equity (ROE) | 8.7541% | 2,764 |
| Retained earnings to average equity (ytd only) | 3.6732% | 3,637 |
| Net charge-offs to loans | 1.2634% | 778 |
| Credit loss provision to net charge-offs | 77.1488% | 3,924 |
| Earnings coverage of net charge-offs (x) | 2.7562% | 4,051 |
| Efficiency ratio | 58.7002% | 5,739 |
| Assets per employee ($millions) | 4.7999% | 2,494 |
| Cash dividends to net income (ytd only)* | 58.0400% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,263 |
| Loan loss allowance to noncurrent loans | 91.2964% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.8541% | 2,634 |
| Noncurrent loans to loans | 2.6087% | 2,027 |
| Net loans and leases to total assets | 53.5431% | 4,680 |
| Net loans and leases to deposits | 66.0148% | 4,282 |
| Net loans and leases to core deposits | 69.7368% | 4,352 |
| Total domestic deposits to total assets | 81.1077% | 5,371 |
| Equity capital to assets | 10.4096% | 3,635 |
| Core capital (leverage) ratio | 8.4100% | 5,744 |
| Tier 1 risk-based capital ratio | 13.0276% | 5,088 |
| Total risk-based capital ratio | 14.6021% | 4,810 |
| Memoranda: | ||
| Average total assets | $7,413,827,000 | 134 |
| Average earning assets | $6,692,607,600 | 133 |
| Average equity | $787,266,400 | 146 |
| Average total loans | $4,180,695,600 | 146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 4,935 |
| Cost of funding earning assets | 0.3699% | 6,274 |
| Net interest margin | 3.7958% | 3,351 |
| Noninterest income to average assets | 1.4135% | 750 |
| Noninterest expense to average assets | 2.8742% | 3,690 |
| Loan and lease loss provision to assets | 0.5946% | 939 |
| Net operating income to assets | 0.8987% | 2,984 |
| Return on assets (ROA) | 0.9022% | 3,205 |
| Pretax return on assets | 1.3761% | 2,319 |
| Return on Equity (ROE) | 8.4528% | 3,062 |
| Retained earnings to average equity (ytd only) | 3.3499% | 4,509 |
| Net charge-offs to loans | 1.4809% | 586 |
| Credit loss provision to net charge-offs | 70.6962% | 3,883 |
| Earnings coverage of net charge-offs (x) | 2.3367% | 4,109 |
| Efficiency ratio | 58.9908% | 5,659 |
| Assets per employee ($millions) | 4.6208% | 2,719 |
| Cash dividends to net income (ytd only)* | 60.3695% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3705% | 1,401 |
| Loan loss allowance to noncurrent loans | 77.5939% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 2.2538% | 2,368 |
| Noncurrent loans to loans | 3.0550% | 1,822 |
| Net loans and leases to total assets | 54.8433% | 4,612 |
| Net loans and leases to deposits | 67.5531% | 4,250 |
| Net loans and leases to core deposits | 71.6401% | 4,298 |
| Total domestic deposits to total assets | 81.1855% | 5,301 |
| Equity capital to assets | 10.6853% | 3,622 |
| Core capital (leverage) ratio | 8.4354% | 5,846 |
| Tier 1 risk-based capital ratio | 12.8408% | 5,379 |
| Total risk-based capital ratio | 14.4158% | 5,087 |
| Memoranda: | ||
| Average total assets | $7,343,706,250 | 135 |
| Average earning assets | $6,628,151,250 | 134 |
| Average equity | $783,846,250 | 147 |
| Average total loans | $4,170,799,500 | 142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 4,932 |
| Cost of funding earning assets | 0.3845% | 6,356 |
| Net interest margin | 3.8210% | 3,264 |
| Noninterest income to average assets | 1.3917% | 745 |
| Noninterest expense to average assets | 2.9110% | 3,577 |
| Loan and lease loss provision to assets | 0.6358% | 913 |
| Net operating income to assets | 0.8486% | 3,154 |
| Return on assets (ROA) | 0.8527% | 3,398 |
| Pretax return on assets | 1.2961% | 2,567 |
| Return on Equity (ROE) | 7.9919% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.8658% | 4,718 |
| Net charge-offs to loans | 1.5849% | 598 |
| Credit loss provision to net charge-offs | 70.3756% | 3,550 |
| Earnings coverage of net charge-offs (x) | 2.1314% | 3,919 |
| Efficiency ratio | 59.7845% | 5,613 |
| Assets per employee ($millions) | 4.4841% | 2,931 |
| Cash dividends to net income (ytd only)* | 64.1416% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4668% | 1,328 |
| Loan loss allowance to noncurrent loans | 74.7299% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 2,107 |
| Noncurrent loans to loans | 3.3010% | 1,770 |
| Net loans and leases to total assets | 55.8112% | 4,499 |
| Net loans and leases to deposits | 68.8661% | 4,067 |
| Net loans and leases to core deposits | 73.3951% | 4,112 |
| Total domestic deposits to total assets | 81.0432% | 5,451 |
| Equity capital to assets | 10.7853% | 3,358 |
| Core capital (leverage) ratio | 8.4408% | 5,728 |
| Tier 1 risk-based capital ratio | 12.5895% | 5,508 |
| Total risk-based capital ratio | 14.1641% | 5,221 |
| Memoranda: | ||
| Average total assets | $7,313,320,330 | 134 |
| Average earning assets | $6,593,722,330 | 134 |
| Average equity | $780,317,000 | 145 |
| Average total loans | $4,168,888,330 | 142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 5,142 |
| Cost of funding earning assets | 0.3978% | 6,420 |
| Net interest margin | 3.7921% | 3,424 |
| Noninterest income to average assets | 1.3579% | 778 |
| Noninterest expense to average assets | 2.9207% | 3,537 |
| Loan and lease loss provision to assets | 0.6140% | 924 |
| Net operating income to assets | 0.8211% | 3,292 |
| Return on assets (ROA) | 0.8222% | 3,517 |
| Pretax return on assets | 1.2489% | 2,727 |
| Return on Equity (ROE) | 7.7472% | 3,387 |
| Retained earnings to average equity (ytd only) | 2.6043% | 4,957 |
| Net charge-offs to loans | 0.7606% | 1,343 |
| Credit loss provision to net charge-offs | 141.8842% | 1,741 |
| Earnings coverage of net charge-offs (x) | 4.3009% | 2,601 |
| Efficiency ratio | 60.6727% | 5,509 |
| Assets per employee ($millions) | 4.5876% | 2,831 |
| Cash dividends to net income (ytd only)* | 66.3834% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7888% | 1,021 |
| Loan loss allowance to noncurrent loans | 62.2483% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 3.1366% | 1,849 |
| Noncurrent loans to loans | 4.4802% | 1,309 |
| Net loans and leases to total assets | 54.8688% | 4,577 |
| Net loans and leases to deposits | 68.3469% | 4,000 |
| Net loans and leases to core deposits | 73.1345% | 4,000 |
| Total domestic deposits to total assets | 80.2798% | 5,782 |
| Equity capital to assets | 10.6005% | 3,375 |
| Core capital (leverage) ratio | 8.3720% | 5,771 |
| Tier 1 risk-based capital ratio | 12.4876% | 5,613 |
| Total risk-based capital ratio | 14.0670% | 5,326 |
| Memoranda: | ||
| Average total assets | $7,328,925,500 | 133 |
| Average earning assets | $6,617,625,500 | 132 |
| Average equity | $777,777,500 | 145 |
| Average total loans | $4,169,817,500 | 140 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 5,274 |
| Cost of funding earning assets | 0.5272% | 6,426 |
| Net interest margin | 3.9159% | 3,268 |
| Noninterest income to average assets | 1.0681% | 1,171 |
| Noninterest expense to average assets | 2.6912% | 4,775 |
| Loan and lease loss provision to assets | 0.7940% | 1,248 |
| Net operating income to assets | 0.7432% | 3,281 |
| Return on assets (ROA) | 0.7571% | 3,393 |
| Pretax return on assets | 1.1412% | 2,692 |
| Return on Equity (ROE) | 7.3091% | 3,240 |
| Retained earnings to average equity (ytd only) | 3.3544% | 3,832 |
| Net charge-offs to loans | 1.5459% | 1,029 |
| Credit loss provision to net charge-offs | 88.0409% | 4,099 |
| Earnings coverage of net charge-offs (x) | 2.1224% | 4,192 |
| Efficiency ratio | 58.0081% | 6,058 |
| Assets per employee ($millions) | 4.6434% | 2,696 |
| Cash dividends to net income (ytd only)* | 54.1067% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 1,080 |
| Loan loss allowance to noncurrent loans | 55.0564% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 3.3166% | 1,792 |
| Noncurrent loans to loans | 4.8876% | 1,174 |
| Net loans and leases to total assets | 55.8087% | 4,746 |
| Net loans and leases to deposits | 69.8635% | 4,125 |
| Net loans and leases to core deposits | 75.0595% | 4,091 |
| Total domestic deposits to total assets | 79.8825% | 5,771 |
| Equity capital to assets | 10.6244% | 3,394 |
| Core capital (leverage) ratio | 8.2431% | 5,933 |
| Tier 1 risk-based capital ratio | 12.2198% | 5,673 |
| Total risk-based capital ratio | 13.7950% | 5,397 |
| Memoranda: | ||
| Average total assets | $7,323,661,200 | 133 |
| Average earning assets | $6,615,712,200 | 137 |
| Average equity | $758,589,400 | 143 |
| Average total loans | $4,272,528,400 | 135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 5,381 |
| Cost of funding earning assets | 0.5577% | 6,487 |
| Net interest margin | 3.9038% | 3,365 |
| Noninterest income to average assets | 1.0139% | 1,307 |
| Noninterest expense to average assets | 2.6724% | 4,833 |
| Loan and lease loss provision to assets | 0.8075% | 1,151 |
| Net operating income to assets | 0.7082% | 3,574 |
| Return on assets (ROA) | 0.7088% | 3,736 |
| Pretax return on assets | 1.0626% | 3,159 |
| Return on Equity (ROE) | 6.8874% | 3,579 |
| Retained earnings to average equity (ytd only) | 2.9112% | 4,617 |
| Net charge-offs to loans | 1.3839% | 1,096 |
| Credit loss provision to net charge-offs | 99.6029% | 3,432 |
| Earnings coverage of net charge-offs (x) | 2.3054% | 3,976 |
| Efficiency ratio | 58.4103% | 5,950 |
| Assets per employee ($millions) | 4.6622% | 2,672 |
| Cash dividends to net income (ytd only)* | 57.7308% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8153% | 1,019 |
| Loan loss allowance to noncurrent loans | 53.0058% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 3.4632% | 1,820 |
| Noncurrent loans to loans | 5.3113% | 1,141 |
| Net loans and leases to total assets | 57.0637% | 4,672 |
| Net loans and leases to deposits | 70.9705% | 4,143 |
| Net loans and leases to core deposits | 76.8632% | 4,075 |
| Total domestic deposits to total assets | 80.4047% | 5,619 |
| Equity capital to assets | 10.5958% | 3,577 |
| Core capital (leverage) ratio | 8.1502% | 6,202 |
| Tier 1 risk-based capital ratio | 11.9354% | 5,942 |
| Total risk-based capital ratio | 13.5105% | 5,680 |
| Memoranda: | ||
| Average total assets | $7,330,890,750 | 133 |
| Average earning assets | $6,624,503,000 | 136 |
| Average equity | $754,480,250 | 145 |
| Average total loans | $4,294,739,500 | 135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 5,509 |
| Cost of funding earning assets | 0.5873% | 6,513 |
| Net interest margin | 3.8670% | 3,456 |
| Noninterest income to average assets | 0.9980% | 1,324 |
| Noninterest expense to average assets | 2.6732% | 4,927 |
| Loan and lease loss provision to assets | 0.8274% | 1,101 |
| Net operating income to assets | 0.6620% | 3,731 |
| Return on assets (ROA) | 0.6623% | 3,853 |
| Pretax return on assets | 0.9927% | 3,265 |
| Return on Equity (ROE) | 6.4989% | 3,707 |
| Retained earnings to average equity (ytd only) | 2.4931% | 4,697 |
| Net charge-offs to loans | 1.2228% | 1,282 |
| Credit loss provision to net charge-offs | 115.5850% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.5420% | 3,557 |
| Efficiency ratio | 59.0614% | 6,016 |
| Assets per employee ($millions) | 4.5318% | 2,782 |
| Cash dividends to net income (ytd only)* | 61.6371% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9114% | 972 |
| Loan loss allowance to noncurrent loans | 53.4979% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 3.6408% | 1,802 |
| Noncurrent loans to loans | 5.4422% | 1,166 |
| Net loans and leases to total assets | 57.9093% | 4,646 |
| Net loans and leases to deposits | 71.6889% | 4,163 |
| Net loans and leases to core deposits | 78.7224% | 3,969 |
| Total domestic deposits to total assets | 80.7787% | 5,601 |
| Equity capital to assets | 10.6263% | 3,355 |
| Core capital (leverage) ratio | 8.0598% | 6,220 |
| Tier 1 risk-based capital ratio | 11.6984% | 6,014 |
| Total risk-based capital ratio | 13.2723% | 5,735 |
| Memoranda: | ||
| Average total assets | $7,348,647,000 | 136 |
| Average earning assets | $6,641,456,000 | 137 |
| Average equity | $748,932,330 | 146 |
| Average total loans | $4,301,926,000 | 136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 5,673 |
| Cost of funding earning assets | 0.6106% | 6,566 |
| Net interest margin | 3.7951% | 3,643 |
| Noninterest income to average assets | 0.9582% | 1,440 |
| Noninterest expense to average assets | 2.6425% | 5,073 |
| Loan and lease loss provision to assets | 0.8069% | 1,044 |
| Net operating income to assets | 0.6299% | 3,867 |
| Return on assets (ROA) | 0.6300% | 3,933 |
| Pretax return on assets | 0.9425% | 3,349 |
| Return on Equity (ROE) | 6.3117% | 3,723 |
| Retained earnings to average equity (ytd only) | 2.2699% | 4,790 |
| Net charge-offs to loans | 1.0232% | 1,332 |
| Credit loss provision to net charge-offs | 135.9434% | 2,049 |
| Earnings coverage of net charge-offs (x) | 2.9472% | 2,904 |
| Efficiency ratio | 59.7264% | 6,022 |
| Assets per employee ($millions) | 4.6273% | 2,693 |
| Cash dividends to net income (ytd only)* | 64.0369% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9202% | 988 |
| Loan loss allowance to noncurrent loans | 57.4718% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 3.3589% | 2,029 |
| Noncurrent loans to loans | 5.0812% | 1,320 |
| Net loans and leases to total assets | 55.9136% | 5,006 |
| Net loans and leases to deposits | 69.7473% | 4,386 |
| Net loans and leases to core deposits | 76.9031% | 4,175 |
| Total domestic deposits to total assets | 80.1659% | 5,900 |
| Equity capital to assets | 10.0617% | 3,699 |
| Core capital (leverage) ratio | 7.7574% | 6,504 |
| Tier 1 risk-based capital ratio | 11.5264% | 6,084 |
| Total risk-based capital ratio | 13.0991% | 5,823 |
| Memoranda: | ||
| Average total assets | $7,436,016,000 | 140 |
| Average earning assets | $6,727,667,000 | 138 |
| Average equity | $742,237,500 | 147 |
| Average total loans | $4,313,418,000 | 140 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 5,270 |
| Cost of funding earning assets | 0.8511% | 6,365 |
| Net interest margin | 3.9902% | 3,060 |
| Noninterest income to average assets | 1.0618% | 1,329 |
| Noninterest expense to average assets | 2.7485% | 4,788 |
| Loan and lease loss provision to assets | 0.9218% | 1,773 |
| Net operating income to assets | 0.6563% | 3,408 |
| Return on assets (ROA) | 0.6578% | 3,543 |
| Pretax return on assets | 0.9793% | 3,000 |
| Return on Equity (ROE) | 6.5700% | 3,312 |
| Retained earnings to average equity (ytd only) | 4.4507% | 2,746 |
| Net charge-offs to loans | 1.1048% | 2,018 |
| Credit loss provision to net charge-offs | 135.2882% | 2,874 |
| Earnings coverage of net charge-offs (x) | 2.7867% | 3,681 |
| Efficiency ratio | 58.6232% | 6,258 |
| Assets per employee ($millions) | 4.6215% | 2,664 |
| Cash dividends to net income (ytd only)* | 32.2567% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7599% | 1,102 |
| Loan loss allowance to noncurrent loans | 61.0972% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 3.0888% | 2,286 |
| Noncurrent loans to loans | 4.5173% | 1,565 |
| Net loans and leases to total assets | 56.8024% | 5,214 |
| Net loans and leases to deposits | 71.6314% | 4,579 |
| Net loans and leases to core deposits | 79.8167% | 4,239 |
| Total domestic deposits to total assets | 79.2982% | 6,008 |
| Equity capital to assets | 9.9024% | 3,876 |
| Core capital (leverage) ratio | 7.6845% | 6,555 |
| Tier 1 risk-based capital ratio | 11.2364% | 6,146 |
| Total risk-based capital ratio | 12.8034% | 5,866 |
| Memoranda: | ||
| Average total assets | $7,257,295,200 | 138 |
| Average earning assets | $6,521,252,000 | 140 |
| Average equity | $726,671,000 | 146 |
| Average total loans | $4,475,974,400 | 132 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9370% | 5,091 |
| Cost of funding earning assets | 0.9058% | 6,375 |
| Net interest margin | 4.0312% | 2,951 |
| Noninterest income to average assets | 0.9867% | 1,497 |
| Noninterest expense to average assets | 2.7305% | 4,755 |
| Loan and lease loss provision to assets | 0.9144% | 1,655 |
| Net operating income to assets | 0.6454% | 3,673 |
| Return on assets (ROA) | 0.6467% | 3,829 |
| Pretax return on assets | 0.9595% | 3,333 |
| Return on Equity (ROE) | 6.4402% | 3,605 |
| Retained earnings to average equity (ytd only) | 3.6015% | 3,911 |
| Net charge-offs to loans | 0.9531% | 2,087 |
| Credit loss provision to net charge-offs | 153.4447% | 2,510 |
| Earnings coverage of net charge-offs (x) | 3.1412% | 3,571 |
| Efficiency ratio | 58.7997% | 6,148 |
| Assets per employee ($millions) | 4.5461% | 2,847 |
| Cash dividends to net income (ytd only)* | 44.0768% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7019% | 1,082 |
| Loan loss allowance to noncurrent loans | 68.5574% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.8838% | 2,519 |
| Noncurrent loans to loans | 3.9410% | 1,917 |
| Net loans and leases to total assets | 59.2676% | 5,051 |
| Net loans and leases to deposits | 73.3573% | 4,624 |
| Net loans and leases to core deposits | 82.8362% | 4,108 |
| Total domestic deposits to total assets | 80.7930% | 5,453 |
| Equity capital to assets | 10.1311% | 3,976 |
| Core capital (leverage) ratio | 7.6590% | 6,715 |
| Tier 1 risk-based capital ratio | 10.8012% | 6,547 |
| Total risk-based capital ratio | 12.3638% | 6,262 |
| Memoranda: | ||
| Average total assets | $7,203,368,000 | 137 |
| Average earning assets | $6,460,769,750 | 140 |
| Average equity | $723,337,500 | 144 |
| Average total loans | $4,503,636,500 | 131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 5,015 |
| Cost of funding earning assets | 0.9511% | 6,373 |
| Net interest margin | 4.0329% | 2,862 |
| Noninterest income to average assets | 0.9599% | 1,480 |
| Noninterest expense to average assets | 2.7160% | 4,845 |
| Loan and lease loss provision to assets | 0.8760% | 1,660 |
| Net operating income to assets | 0.6589% | 3,588 |
| Return on assets (ROA) | 0.6597% | 3,739 |
| Pretax return on assets | 0.9808% | 3,202 |
| Return on Equity (ROE) | 6.5893% | 3,503 |
| Retained earnings to average equity (ytd only) | 2.2981% | 4,694 |
| Net charge-offs to loans | 0.8892% | 2,059 |
| Credit loss provision to net charge-offs | 156.2034% | 2,526 |
| Earnings coverage of net charge-offs (x) | 3.3089% | 3,376 |
| Efficiency ratio | 58.8745% | 6,249 |
| Assets per employee ($millions) | 4.4275% | 3,004 |
| Cash dividends to net income (ytd only)* | 65.1245% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5072% | 1,292 |
| Loan loss allowance to noncurrent loans | 77.4947% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.6358% | 2,738 |
| Noncurrent loans to loans | 3.2353% | 2,474 |
| Net loans and leases to total assets | 61.7164% | 4,741 |
| Net loans and leases to deposits | 76.6164% | 4,217 |
| Net loans and leases to core deposits | 87.2839% | 3,650 |
| Total domestic deposits to total assets | 80.5524% | 5,545 |
| Equity capital to assets | 10.1035% | 3,884 |
| Core capital (leverage) ratio | 7.5664% | 6,765 |
| Tier 1 risk-based capital ratio | 10.3391% | 6,807 |
| Total risk-based capital ratio | 11.8940% | 6,565 |
| Memoranda: | ||
| Average total assets | $7,169,280,670 | 138 |
| Average earning assets | $6,420,336,000 | 141 |
| Average equity | $717,735,670 | 142 |
| Average total loans | $4,521,480,330 | 132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 5,062 |
| Cost of funding earning assets | 0.9765% | 6,490 |
| Net interest margin | 4.0132% | 2,819 |
| Noninterest income to average assets | 0.9905% | 1,332 |
| Noninterest expense to average assets | 2.7268% | 4,780 |
| Loan and lease loss provision to assets | 0.6655% | 1,905 |
| Net operating income to assets | 0.7892% | 3,014 |
| Return on assets (ROA) | 0.7902% | 3,126 |
| Pretax return on assets | 1.1921% | 2,384 |
| Return on Equity (ROE) | 7.9298% | 2,916 |
| Retained earnings to average equity (ytd only) | -0.7133% | 5,997 |
| Net charge-offs to loans | 0.7624% | 1,985 |
| Credit loss provision to net charge-offs | 138.6785% | 2,551 |
| Earnings coverage of net charge-offs (x) | 3.8676% | 2,761 |
| Efficiency ratio | 58.9634% | 6,345 |
| Assets per employee ($millions) | 4.4281% | 3,078 |
| Cash dividends to net income (ytd only)* | 108.9957% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3746% | 1,454 |
| Loan loss allowance to noncurrent loans | 84.8200% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 2.3551% | 3,084 |
| Noncurrent loans to loans | 2.7995% | 2,861 |
| Net loans and leases to total assets | 60.8014% | 4,977 |
| Net loans and leases to deposits | 75.5349% | 4,490 |
| Net loans and leases to core deposits | 86.5641% | 3,815 |
| Total domestic deposits to total assets | 80.4946% | 5,614 |
| Equity capital to assets | 9.9097% | 3,975 |
| Core capital (leverage) ratio | 7.5725% | 6,770 |
| Tier 1 risk-based capital ratio | 10.3172% | 6,796 |
| Total risk-based capital ratio | 11.8763% | 6,503 |
| Memoranda: | ||
| Average total assets | $7,152,169,500 | 139 |
| Average earning assets | $6,402,242,500 | 141 |
| Average equity | $712,701,000 | 141 |
| Average total loans | $4,502,186,500 | 134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 4,701 |
| Cost of funding earning assets | 1.2497% | 6,474 |
| Net interest margin | 4.1492% | 2,252 |
| Noninterest income to average assets | 1.3359% | 837 |
| Noninterest expense to average assets | 2.9495% | 4,342 |
| Loan and lease loss provision to assets | 0.6638% | 3,154 |
| Net operating income to assets | 0.9416% | 2,042 |
| Return on assets (ROA) | 0.9429% | 2,085 |
| Pretax return on assets | 1.4299% | 1,361 |
| Return on Equity (ROE) | 9.1456% | 1,980 |
| Retained earnings to average equity (ytd only) | 3.1906% | 2,926 |
| Net charge-offs to loans | 0.6353% | 3,293 |
| Credit loss provision to net charge-offs | 153.1130% | 2,991 |
| Earnings coverage of net charge-offs (x) | 4.8247% | 2,800 |
| Efficiency ratio | 57.8883% | 6,780 |
| Assets per employee ($millions) | 4.3827% | 3,146 |
| Cash dividends to net income (ytd only)* | 65.1137% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2766% | 1,520 |
| Loan loss allowance to noncurrent loans | 85.8619% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 2.2268% | 3,094 |
| Noncurrent loans to loans | 2.6514% | 2,897 |
| Net loans and leases to total assets | 62.1756% | 4,953 |
| Net loans and leases to deposits | 75.9308% | 4,753 |
| Net loans and leases to core deposits | 96.3500% | 4,420 |
| Total domestic deposits to total assets | 81.8846% | 5,002 |
| Equity capital to assets | 10.0205% | 3,727 |
| Core capital (leverage) ratio | 7.5897% | 6,692 |
| Tier 1 risk-based capital ratio | 10.1417% | 6,752 |
| Total risk-based capital ratio | 11.6946% | 6,422 |
| Memoranda: | ||
| Average total assets | $6,824,254,400 | 137 |
| Average earning assets | $6,094,259,200 | 140 |
| Average equity | $703,602,600 | 139 |
| Average total loans | $4,656,764,000 | 131 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 4,723 |
| Cost of funding earning assets | 1.3093% | 6,530 |
| Net interest margin | 4.1330% | 2,276 |
| Noninterest income to average assets | 1.4064% | 766 |
| Noninterest expense to average assets | 2.9601% | 4,207 |
| Loan and lease loss provision to assets | 0.6279% | 2,880 |
| Net operating income to assets | 0.9945% | 2,084 |
| Return on assets (ROA) | 0.9961% | 2,135 |
| Pretax return on assets | 1.5125% | 1,376 |
| Return on Equity (ROE) | 9.5904% | 2,068 |
| Retained earnings to average equity (ytd only) | 4.5523% | 2,734 |
| Net charge-offs to loans | 0.4938% | 3,250 |
| Credit loss provision to net charge-offs | 183.0953% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.2338% | 2,638 |
| Efficiency ratio | 57.4438% | 6,799 |
| Assets per employee ($millions) | 4.2382% | 3,311 |
| Cash dividends to net income (ytd only)* | 52.5325% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2101% | 1,403 |
| Loan loss allowance to noncurrent loans | 81.9920% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 2.2605% | 3,030 |
| Noncurrent loans to loans | 2.6955% | 2,812 |
| Net loans and leases to total assets | 65.2501% | 4,590 |
| Net loans and leases to deposits | 78.8258% | 4,592 |
| Net loans and leases to core deposits | 98.6197% | 4,534 |
| Total domestic deposits to total assets | 82.7776% | 4,332 |
| Equity capital to assets | 10.3843% | 3,640 |
| Core capital (leverage) ratio | 7.7207% | 6,705 |
| Tier 1 risk-based capital ratio | 10.1224% | 6,855 |
| Total risk-based capital ratio | 11.6749% | 6,496 |
| Memoranda: | ||
| Average total assets | $6,752,025,750 | 143 |
| Average earning assets | $6,031,077,000 | 146 |
| Average equity | $701,309,250 | 143 |
| Average total loans | $4,689,532,750 | 138 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 5,073 |
| Cost of funding earning assets | 1.2543% | 6,945 |
| Net interest margin | 4.1588% | 2,130 |
| Noninterest income to average assets | 1.8026% | 450 |
| Noninterest expense to average assets | 3.1372% | 3,552 |
| Loan and lease loss provision to assets | 0.6585% | 2,454 |
| Net operating income to assets | 1.1860% | 1,513 |
| Return on assets (ROA) | 1.1865% | 1,600 |
| Pretax return on assets | 1.8101% | 836 |
| Return on Equity (ROE) | 14.9551% | 834 |
| Retained earnings to average equity (ytd only) | 8.2285% | 1,141 |
| Net charge-offs to loans | 0.4530% | 3,013 |
| Credit loss provision to net charge-offs | 203.6752% | 2,233 |
| Earnings coverage of net charge-offs (x) | 7.6329% | 2,415 |
| Efficiency ratio | 55.9413% | 7,128 |
| Assets per employee ($millions) | 3.9533% | 3,766 |
| Cash dividends to net income (ytd only)* | 44.9789% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0034% | 1,559 |
| Loan loss allowance to noncurrent loans | 79.4736% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 2.2570% | 2,886 |
| Noncurrent loans to loans | 2.5209% | 2,866 |
| Net loans and leases to total assets | 68.4827% | 4,075 |
| Net loans and leases to deposits | 81.8761% | 4,245 |
| Net loans and leases to core deposits | 101.4771% | 4,347 |
| Total domestic deposits to total assets | 83.6419% | 3,945 |
| Equity capital to assets | 8.0157% | 6,729 |
| Core capital (leverage) ratio | 7.3685% | 7,164 |
| Tier 1 risk-based capital ratio | 9.2841% | 7,553 |
| Total risk-based capital ratio | 10.8806% | 7,244 |
| Memoranda: | ||
| Average total assets | $5,621,570,330 | 170 |
| Average earning assets | $5,139,938,000 | 169 |
| Average equity | $445,988,330 | 207 |
| Average total loans | $4,012,130,670 | 160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 4,994 |
| Cost of funding earning assets | 1.2930% | 7,032 |
| Net interest margin | 4.1903% | 1,933 |
| Noninterest income to average assets | 1.7163% | 462 |
| Noninterest expense to average assets | 2.9763% | 3,865 |
| Loan and lease loss provision to assets | 0.6039% | 2,089 |
| Net operating income to assets | 1.2865% | 1,415 |
| Return on assets (ROA) | 1.2872% | 1,511 |
| Pretax return on assets | 1.9641% | 707 |
| Return on Equity (ROE) | 16.3104% | 775 |
| Retained earnings to average equity (ytd only) | 9.5148% | 1,333 |
| Net charge-offs to loans | 0.3567% | 2,659 |
| Credit loss provision to net charge-offs | 234.7137% | 1,967 |
| Earnings coverage of net charge-offs (x) | 9.9772% | 1,993 |
| Efficiency ratio | 53.6629% | 7,253 |
| Assets per employee ($millions) | 3.9143% | 3,840 |
| Cash dividends to net income (ytd only)* | 41.6644% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 1,713 |
| Loan loss allowance to noncurrent loans | 106.8453% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 3,669 |
| Noncurrent loans to loans | 1.7429% | 3,650 |
| Net loans and leases to total assets | 69.8412% | 3,707 |
| Net loans and leases to deposits | 84.0205% | 3,980 |
| Net loans and leases to core deposits | 100.0119% | 4,539 |
| Total domestic deposits to total assets | 83.1240% | 4,079 |
| Equity capital to assets | 7.9382% | 6,903 |
| Core capital (leverage) ratio | 7.3477% | 7,325 |
| Tier 1 risk-based capital ratio | 9.1333% | 7,716 |
| Total risk-based capital ratio | 10.7283% | 7,394 |
| Memoranda: | ||
| Average total assets | $5,593,879,000 | 172 |
| Average earning assets | $5,108,814,500 | 168 |
| Average equity | $441,459,500 | 207 |
| Average total loans | $4,034,590,000 | 161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2863% | 4,041 |
| Cost of funding earning assets | 1.8537% | 6,858 |
| Net interest margin | 4.4327% | 1,585 |
| Noninterest income to average assets | 1.0811% | 1,349 |
| Noninterest expense to average assets | 2.9782% | 4,160 |
| Loan and lease loss provision to assets | 0.4834% | 2,883 |
| Net operating income to assets | 1.0725% | 2,242 |
| Return on assets (ROA) | 1.0736% | 2,157 |
| Pretax return on assets | 1.6287% | 1,316 |
| Return on Equity (ROE) | 13.3508% | 1,249 |
| Retained earnings to average equity (ytd only) | -0.0021% | 5,261 |
| Net charge-offs to loans | 0.2084% | 4,120 |
| Credit loss provision to net charge-offs | 322.4833% | 1,400 |
| Earnings coverage of net charge-offs (x) | 14.0787% | 2,078 |
| Efficiency ratio | 58.4800% | 6,605 |
| Assets per employee ($millions) | 4.0026% | 3,509 |
| Cash dividends to net income (ytd only)* | 100.0158% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 1,820 |
| Loan loss allowance to noncurrent loans | 112.8821% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 3,763 |
| Noncurrent loans to loans | 1.5337% | 3,493 |
| Net loans and leases to total assets | 71.8383% | 3,621 |
| Net loans and leases to deposits | 89.9351% | 3,467 |
| Net loans and leases to core deposits | 105.8345% | 4,211 |
| Total domestic deposits to total assets | 79.8780% | 5,070 |
| Equity capital to assets | 7.8445% | 7,051 |
| Core capital (leverage) ratio | 7.1617% | 7,557 |
| Tier 1 risk-based capital ratio | 8.7384% | 7,936 |
| Total risk-based capital ratio | 10.3294% | 7,699 |
| Memoranda: | ||
| Average total assets | $5,308,216,200 | 175 |
| Average earning assets | $4,799,012,400 | 172 |
| Average equity | $426,872,000 | 215 |
| Average total loans | $3,818,831,600 | 167 |