Home > First Merchants Bank > Performance and Condition Ratios
First Merchants 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 | 5.4827% | 1,184 |
| Cost of funding earning assets | 2.0756% | 809 |
| Net interest margin | 3.4072% | 2,395 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.1026% | 3,398 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3388% | 1,348 |
| Return on assets (ROA) | 1.3071% | 1,389 |
| Pretax return on assets | 1.5282% | 1,360 |
| Return on Equity (ROE) | 10.7700% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.8397% | 2,656 |
| Net charge-offs to loans | 0.2089% | 517 |
| Credit loss provision to net charge-offs | 28.4678% | 2,280 |
| Earnings coverage of net charge-offs (x) | 11.1614% | 2,205 |
| Efficiency ratio | 55.7153% | 3,526 |
| Assets per employee ($millions) | 8.4797% | 1,195 |
| Cash dividends to net income (ytd only)* | 55.0554% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 777 |
| Loan loss allowance to noncurrent loans | 381.2584% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 1,664 |
| Noncurrent loans to loans | 0.4298% | 1,707 |
| Net loans and leases to total assets | 67.2200% | 2,125 |
| Net loans and leases to deposits | 82.4271% | 1,913 |
| Net loans and leases to core deposits | 89.9814% | 2,050 |
| Total domestic deposits to total assets | 81.5500% | 3,213 |
| Equity capital to assets | 12.5240% | 987 |
| Core capital (leverage) ratio | 9.8894% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0561% | 2,226 |
| Memoranda: | ||
| Average total assets | $18,064,587,000 | 102 |
| Average earning assets | $16,300,133,400 | 102 |
| Average equity | $2,192,842,600 | 91 |
| Average total loans | $12,273,748,400 | 102 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 1,143 |
| Cost of funding earning assets | 1.9236% | 827 |
| Net interest margin | 3.4689% | 2,277 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.0325% | 3,513 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4334% | 1,249 |
| Return on assets (ROA) | 1.4043% | 1,297 |
| Pretax return on assets | 1.6592% | 1,243 |
| Return on Equity (ROE) | 11.6600% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.5134% | 2,776 |
| Net charge-offs to loans | 0.2455% | 363 |
| Credit loss provision to net charge-offs | 22.2272% | 2,003 |
| Earnings coverage of net charge-offs (x) | 10.2548% | 2,133 |
| Efficiency ratio | 53.0367% | 3,670 |
| Assets per employee ($millions) | 8.3673% | 1,179 |
| Cash dividends to net income (ytd only)* | 52.7276% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 748 |
| Loan loss allowance to noncurrent loans | 386.8737% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 1,699 |
| Noncurrent loans to loans | 0.4324% | 1,751 |
| Net loans and leases to total assets | 67.2700% | 2,130 |
| Net loans and leases to deposits | 82.0792% | 1,896 |
| Net loans and leases to core deposits | 90.2178% | 1,918 |
| Total domestic deposits to total assets | 81.9600% | 3,217 |
| Equity capital to assets | 11.9197% | 1,055 |
| Core capital (leverage) ratio | 9.9168% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0114% | 2,267 |
| Memoranda: | ||
| Average total assets | $18,005,926,500 | 104 |
| Average earning assets | $16,238,300,000 | 104 |
| Average equity | $2,168,106,250 | 92 |
| Average total loans | $12,215,945,250 | 102 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 1,131 |
| Cost of funding earning assets | 1.7344% | 836 |
| Net interest margin | 3.5253% | 2,209 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.0258% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4788% | 1,147 |
| Return on assets (ROA) | 1.4512% | 1,196 |
| Pretax return on assets | 1.7211% | 1,168 |
| Return on Equity (ROE) | 12.0100% | 2,154 |
| Retained earnings to average equity (ytd only) | 6.0386% | 2,604 |
| Net charge-offs to loans | 0.0350% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 74.1718% | 1,086 |
| Efficiency ratio | 52.3084% | 3,754 |
| Assets per employee ($millions) | 8.2093% | 1,226 |
| Cash dividends to net income (ytd only)* | 49.7280% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 616 |
| Loan loss allowance to noncurrent loans | 317.4298% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 1,239 |
| Noncurrent loans to loans | 0.5665% | 1,322 |
| Net loans and leases to total assets | 67.2600% | 2,038 |
| Net loans and leases to deposits | 82.3789% | 1,802 |
| Net loans and leases to core deposits | 91.2116% | 1,722 |
| Total domestic deposits to total assets | 81.6500% | 3,304 |
| Equity capital to assets | 12.2970% | 973 |
| Core capital (leverage) ratio | 9.7546% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9059% | 2,330 |
| Memoranda: | ||
| Average total assets | $18,014,097,667 | 102 |
| Average earning assets | $16,261,725,667 | 102 |
| Average equity | $2,176,362,000 | 91 |
| Average total loans | $12,187,129,000 | 99 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 1,124 |
| Cost of funding earning assets | 1.4698% | 894 |
| Net interest margin | 3.5933% | 2,147 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.0387% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5075% | 1,172 |
| Return on assets (ROA) | 1.4783% | 1,207 |
| Pretax return on assets | 1.7543% | 1,163 |
| Return on Equity (ROE) | 12.3500% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.7171% | 2,310 |
| Net charge-offs to loans | 0.0074% | 1,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 358.7067% | 316 |
| Efficiency ratio | 51.9875% | 3,778 |
| Assets per employee ($millions) | 8.4923% | 1,126 |
| Cash dividends to net income (ytd only)* | 37.4897% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 638 |
| Loan loss allowance to noncurrent loans | 416.0797% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 1,508 |
| Noncurrent loans to loans | 0.4376% | 1,622 |
| Net loans and leases to total assets | 66.2100% | 2,039 |
| Net loans and leases to deposits | 81.4556% | 1,712 |
| Net loans and leases to core deposits | 89.9935% | 1,615 |
| Total domestic deposits to total assets | 81.2900% | 3,592 |
| Equity capital to assets | 12.1221% | 965 |
| Core capital (leverage) ratio | 9.6858% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7752% | 2,473 |
| Memoranda: | ||
| Average total assets | $18,044,247,500 | 104 |
| Average earning assets | $16,301,892,000 | 104 |
| Average equity | $2,160,649,500 | 94 |
| Average total loans | $12,131,928,500 | 102 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 1,781 |
| Cost of funding earning assets | 0.5045% | 1,354 |
| Net interest margin | 3.4691% | 2,042 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.0666% | 3,395 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3790% | 1,178 |
| Return on assets (ROA) | 1.3851% | 1,125 |
| Pretax return on assets | 1.6059% | 1,159 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 7.3436% | 2,086 |
| Net charge-offs to loans | 0.0249% | 1,562 |
| Credit loss provision to net charge-offs | 626.5894% | 583 |
| Earnings coverage of net charge-offs (x) | 107.0404% | 945 |
| Efficiency ratio | 53.5883% | 3,823 |
| Assets per employee ($millions) | 8.4545% | 1,114 |
| Cash dividends to net income (ytd only)* | 38.1238% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 587 |
| Loan loss allowance to noncurrent loans | 506.7452% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 1,746 |
| Noncurrent loans to loans | 0.3668% | 1,825 |
| Net loans and leases to total assets | 65.7800% | 2,063 |
| Net loans and leases to deposits | 81.6491% | 1,646 |
| Net loans and leases to core deposits | 87.9121% | 1,614 |
| Total domestic deposits to total assets | 80.5600% | 3,809 |
| Equity capital to assets | 11.8242% | 982 |
| Core capital (leverage) ratio | 9.6022% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6459% | 2,512 |
| Memoranda: | ||
| Average total assets | $16,854,516,000 | 110 |
| Average earning assets | $15,222,845,400 | 111 |
| Average equity | $1,967,028,400 | 104 |
| Average total loans | $10,741,617,600 | 115 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 2,089 |
| Cost of funding earning assets | 0.3292% | 1,870 |
| Net interest margin | 3.3538% | 2,122 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.0888% | 3,237 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.2780% | 1,431 |
| Return on assets (ROA) | 1.2860% | 1,369 |
| Pretax return on assets | 1.4775% | 1,478 |
| Return on Equity (ROE) | 11.0600% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.6344% | 2,502 |
| Net charge-offs to loans | -0.0096% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.2775% | 3,690 |
| Assets per employee ($millions) | 8.3046% | 1,171 |
| Cash dividends to net income (ytd only)* | 40.0040% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 557 |
| Loan loss allowance to noncurrent loans | 512.0663% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 1,807 |
| Noncurrent loans to loans | 0.3792% | 1,873 |
| Net loans and leases to total assets | 64.6600% | 2,019 |
| Net loans and leases to deposits | 79.0124% | 1,633 |
| Net loans and leases to core deposits | 83.8868% | 1,661 |
| Total domestic deposits to total assets | 81.8400% | 3,860 |
| Equity capital to assets | 11.2684% | 1,075 |
| Core capital (leverage) ratio | 9.3328% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4362% | 2,673 |
| Memoranda: | ||
| Average total assets | $16,587,265,250 | 115 |
| Average earning assets | $14,985,569,250 | 117 |
| Average equity | $1,928,956,500 | 107 |
| Average total loans | $10,423,775,000 | 118 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 2,385 |
| Cost of funding earning assets | 0.2191% | 2,652 |
| Net interest margin | 3.1970% | 2,199 |
| Noninterest income to average assets | 0.6491% | 1,547 |
| Noninterest expense to average assets | 2.0442% | 3,309 |
| Loan and lease loss provision to assets | 0.2067% | 393 |
| Net operating income to assets | 1.1343% | 1,649 |
| Return on assets (ROA) | 1.1415% | 1,605 |
| Pretax return on assets | 1.2997% | 1,753 |
| Return on Equity (ROE) | 9.7059% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.9862% | 2,717 |
| Net charge-offs to loans | -0.0065% | 3,430 |
| Credit loss provision to net charge-offs | -5,171.2963% | 3,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4274% | 3,734 |
| Assets per employee ($millions) | 8.1740% | 1,218 |
| Cash dividends to net income (ytd only)* | 48.6271% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 574 |
| Loan loss allowance to noncurrent loans | 485.9649% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 1,810 |
| Noncurrent loans to loans | 0.4082% | 1,902 |
| Net loans and leases to total assets | 62.9440% | 2,019 |
| Net loans and leases to deposits | 76.4525% | 1,652 |
| Net loans and leases to core deposits | 79.6622% | 1,740 |
| Total domestic deposits to total assets | 82.3308% | 3,963 |
| Equity capital to assets | 11.6057% | 994 |
| Core capital (leverage) ratio | 9.0158% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2907% | 2,730 |
| Memoranda: | ||
| Average total assets | $16,214,530,333 | 116 |
| Average earning assets | $14,674,894,667 | 118 |
| Average equity | $1,906,900,333 | 108 |
| Average total loans | $10,006,568,000 | 121 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 2,917 |
| Cost of funding earning assets | 0.1595% | 3,380 |
| Net interest margin | 2.9603% | 2,638 |
| Noninterest income to average assets | 0.6361% | 1,547 |
| Noninterest expense to average assets | 1.8306% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2942% | 1,017 |
| Return on assets (ROA) | 1.3069% | 980 |
| Pretax return on assets | 1.5124% | 995 |
| Return on Equity (ROE) | 11.0288% | 1,612 |
| Retained earnings to average equity (ytd only) | 1.1908% | 3,779 |
| Net charge-offs to loans | -0.0252% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9375% | 4,053 |
| Assets per employee ($millions) | 8.3465% | 1,189 |
| Cash dividends to net income (ytd only)* | 89.2025% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0938% | 524 |
| Loan loss allowance to noncurrent loans | 437.6304% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 1,794 |
| Noncurrent loans to loans | 0.4784% | 1,830 |
| Net loans and leases to total assets | 59.3176% | 2,148 |
| Net loans and leases to deposits | 70.1647% | 1,954 |
| Net loans and leases to core deposits | 72.4492% | 2,072 |
| Total domestic deposits to total assets | 84.5405% | 3,650 |
| Equity capital to assets | 11.4108% | 1,155 |
| Core capital (leverage) ratio | 8.7559% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4555% | 2,785 |
| Memoranda: | ||
| Average total assets | $15,440,727,000 | 124 |
| Average earning assets | $14,043,074,000 | 124 |
| Average equity | $1,829,643,000 | 115 |
| Average total loans | $9,306,613,500 | 125 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3273% | 3,124 |
| Cost of funding earning assets | 0.2184% | 3,277 |
| Net interest margin | 3.1089% | 2,876 |
| Noninterest income to average assets | 0.6888% | 1,802 |
| Noninterest expense to average assets | 1.8333% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4216% | 1,210 |
| Return on assets (ROA) | 1.4542% | 1,200 |
| Pretax return on assets | 1.7121% | 1,116 |
| Return on Equity (ROE) | 11.4360% | 2,008 |
| Retained earnings to average equity (ytd only) | 2.9374% | 3,654 |
| Net charge-offs to loans | 0.1011% | 849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 26.6289% | 1,694 |
| Efficiency ratio | 51.1684% | 4,186 |
| Assets per employee ($millions) | 8.4932% | 1,086 |
| Cash dividends to net income (ytd only)* | 74.3142% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 510 |
| Loan loss allowance to noncurrent loans | 443.8319% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 2,088 |
| Noncurrent loans to loans | 0.4758% | 1,939 |
| Net loans and leases to total assets | 58.6936% | 2,307 |
| Net loans and leases to deposits | 70.4488% | 2,083 |
| Net loans and leases to core deposits | 72.9655% | 2,168 |
| Total domestic deposits to total assets | 83.3138% | 3,737 |
| Equity capital to assets | 12.2886% | 1,136 |
| Core capital (leverage) ratio | 8.8793% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7433% | 2,715 |
| Memoranda: | ||
| Average total assets | $14,805,787,000 | 125 |
| Average earning assets | $13,421,627,200 | 126 |
| Average equity | $1,882,662,800 | 116 |
| Average total loans | $9,202,048,800 | 130 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 3,146 |
| Cost of funding earning assets | 0.2237% | 3,389 |
| Net interest margin | 3.1594% | 2,860 |
| Noninterest income to average assets | 0.7060% | 1,807 |
| Noninterest expense to average assets | 1.8389% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4578% | 1,371 |
| Return on assets (ROA) | 1.4985% | 1,323 |
| Pretax return on assets | 1.7765% | 1,219 |
| Return on Equity (ROE) | 11.6810% | 2,149 |
| Retained earnings to average equity (ytd only) | 3.1671% | 3,845 |
| Net charge-offs to loans | 0.0686% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 40.1334% | 1,368 |
| Efficiency ratio | 50.4597% | 4,181 |
| Assets per employee ($millions) | 8.2462% | 1,158 |
| Cash dividends to net income (ytd only)* | 72.8867% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 449 |
| Loan loss allowance to noncurrent loans | 387.1000% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 2,044 |
| Noncurrent loans to loans | 0.5710% | 1,883 |
| Net loans and leases to total assets | 58.8230% | 2,392 |
| Net loans and leases to deposits | 71.0291% | 2,140 |
| Net loans and leases to core deposits | 73.7506% | 2,261 |
| Total domestic deposits to total assets | 82.8153% | 3,755 |
| Equity capital to assets | 12.4323% | 1,209 |
| Core capital (leverage) ratio | 8.9674% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9683% | 2,714 |
| Memoranda: | ||
| Average total assets | $14,649,210,000 | 125 |
| Average earning assets | $13,265,551,500 | 126 |
| Average equity | $1,879,230,250 | 117 |
| Average total loans | $9,189,299,000 | 129 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 3,192 |
| Cost of funding earning assets | 0.2296% | 3,466 |
| Net interest margin | 3.1666% | 2,858 |
| Noninterest income to average assets | 0.7083% | 1,776 |
| Noninterest expense to average assets | 1.8273% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4657% | 1,386 |
| Return on assets (ROA) | 1.5069% | 1,336 |
| Pretax return on assets | 1.7950% | 1,251 |
| Return on Equity (ROE) | 11.6229% | 2,193 |
| Retained earnings to average equity (ytd only) | 4.1852% | 3,464 |
| Net charge-offs to loans | 0.1067% | 709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.7188% | 1,401 |
| Efficiency ratio | 50.0513% | 4,233 |
| Assets per employee ($millions) | 8.0825% | 1,170 |
| Cash dividends to net income (ytd only)* | 63.9912% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 438 |
| Loan loss allowance to noncurrent loans | 345.9966% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 2,039 |
| Noncurrent loans to loans | 0.6317% | 1,831 |
| Net loans and leases to total assets | 59.9841% | 2,430 |
| Net loans and leases to deposits | 72.6863% | 2,147 |
| Net loans and leases to core deposits | 75.1123% | 2,319 |
| Total domestic deposits to total assets | 82.5246% | 3,812 |
| Equity capital to assets | 12.6422% | 1,065 |
| Core capital (leverage) ratio | 9.1108% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2542% | 2,629 |
| Memoranda: | ||
| Average total assets | $14,518,594,667 | 125 |
| Average earning assets | $13,135,861,000 | 126 |
| Average equity | $1,882,326,000 | 116 |
| Average total loans | $9,236,543,333 | 128 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3930% | 3,213 |
| Cost of funding earning assets | 0.2389% | 3,571 |
| Net interest margin | 3.1541% | 2,827 |
| Noninterest income to average assets | 0.6275% | 2,096 |
| Noninterest expense to average assets | 1.8119% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3991% | 1,578 |
| Return on assets (ROA) | 1.4413% | 1,535 |
| Pretax return on assets | 1.7157% | 1,454 |
| Return on Equity (ROE) | 10.9749% | 2,376 |
| Retained earnings to average equity (ytd only) | 3.5336% | 3,625 |
| Net charge-offs to loans | 0.1560% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.4733% | 1,318 |
| Efficiency ratio | 51.0145% | 4,091 |
| Assets per employee ($millions) | 7.8662% | 1,252 |
| Cash dividends to net income (ytd only)* | 67.8032% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 456 |
| Loan loss allowance to noncurrent loans | 340.7245% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 2,180 |
| Noncurrent loans to loans | 0.6330% | 1,990 |
| Net loans and leases to total assets | 62.4444% | 2,239 |
| Net loans and leases to deposits | 75.8213% | 1,930 |
| Net loans and leases to core deposits | 79.1366% | 2,083 |
| Total domestic deposits to total assets | 82.3573% | 3,821 |
| Equity capital to assets | 12.5723% | 1,059 |
| Core capital (leverage) ratio | 9.3128% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4871% | 2,496 |
| Memoranda: | ||
| Average total assets | $14,325,864,500 | 127 |
| Average earning assets | $12,944,207,500 | 128 |
| Average equity | $1,881,385,500 | 117 |
| Average total loans | $9,284,899,000 | 129 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 3,435 |
| Cost of funding earning assets | 0.4989% | 2,953 |
| Net interest margin | 3.2546% | 3,193 |
| Noninterest income to average assets | 0.7419% | 1,715 |
| Noninterest expense to average assets | 1.9454% | 4,239 |
| Loan and lease loss provision to assets | 0.4401% | 646 |
| Net operating income to assets | 1.1073% | 1,902 |
| Return on assets (ROA) | 1.1850% | 1,712 |
| Pretax return on assets | 1.3621% | 1,780 |
| Return on Equity (ROE) | 8.4428% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.7551% | 2,393 |
| Net charge-offs to loans | 0.0926% | 1,530 |
| Credit loss provision to net charge-offs | 706.1379% | 989 |
| Earnings coverage of net charge-offs (x) | 27.4850% | 1,681 |
| Efficiency ratio | 51.9478% | 4,386 |
| Assets per employee ($millions) | 7.3878% | 1,343 |
| Cash dividends to net income (ytd only)* | 43.6784% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,923 |
| Loan loss allowance to noncurrent loans | 209.9876% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 2,236 |
| Noncurrent loans to loans | 0.6728% | 2,002 |
| Net loans and leases to total assets | 64.9128% | 2,240 |
| Net loans and leases to deposits | 79.8401% | 1,880 |
| Net loans and leases to core deposits | 83.6629% | 2,068 |
| Total domestic deposits to total assets | 81.3036% | 3,807 |
| Equity capital to assets | 13.7158% | 868 |
| Core capital (leverage) ratio | 9.5944% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7048% | 2,364 |
| Memoranda: | ||
| Average total assets | $13,331,557,400 | 125 |
| Average earning assets | $11,946,500,800 | 125 |
| Average equity | $1,871,090,600 | 112 |
| Average total loans | $8,974,766,600 | 130 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 3,577 |
| Cost of funding earning assets | 0.5704% | 2,801 |
| Net interest margin | 3.2262% | 3,405 |
| Noninterest income to average assets | 0.7386% | 1,678 |
| Noninterest expense to average assets | 1.8977% | 4,329 |
| Loan and lease loss provision to assets | 0.5493% | 496 |
| Net operating income to assets | 1.0353% | 2,206 |
| Return on assets (ROA) | 1.1200% | 2,034 |
| Pretax return on assets | 1.2752% | 2,139 |
| Return on Equity (ROE) | 7.9321% | 2,830 |
| Retained earnings to average equity (ytd only) | 5.8503% | 2,171 |
| Net charge-offs to loans | 0.1160% | 1,197 |
| Credit loss provision to net charge-offs | 699.3289% | 1,071 |
| Earnings coverage of net charge-offs (x) | 22.0023% | 1,846 |
| Efficiency ratio | 51.0753% | 4,416 |
| Assets per employee ($millions) | 7.1885% | 1,381 |
| Cash dividends to net income (ytd only)* | 26.2455% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 1,872 |
| Loan loss allowance to noncurrent loans | 218.2335% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,302 |
| Noncurrent loans to loans | 0.6280% | 2,226 |
| Net loans and leases to total assets | 66.4953% | 2,448 |
| Net loans and leases to deposits | 83.3685% | 1,971 |
| Net loans and leases to core deposits | 87.9658% | 2,150 |
| Total domestic deposits to total assets | 79.7607% | 3,913 |
| Equity capital to assets | 13.9173% | 883 |
| Core capital (leverage) ratio | 9.7504% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9552% | 2,222 |
| Memoranda: | ||
| Average total assets | $13,153,396,000 | 126 |
| Average earning assets | $11,771,797,000 | 128 |
| Average equity | $1,857,296,000 | 112 |
| Average total loans | $8,906,673,250 | 130 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,456 |
| Cost of funding earning assets | 0.6683% | 2,569 |
| Net interest margin | 3.2836% | 3,422 |
| Noninterest income to average assets | 0.7434% | 1,598 |
| Noninterest expense to average assets | 1.9032% | 4,417 |
| Loan and lease loss provision to assets | 0.6424% | 460 |
| Net operating income to assets | 1.0017% | 2,326 |
| Return on assets (ROA) | 1.1059% | 2,069 |
| Pretax return on assets | 1.2512% | 2,178 |
| Return on Equity (ROE) | 7.7928% | 2,831 |
| Retained earnings to average equity (ytd only) | 6.2712% | 1,953 |
| Net charge-offs to loans | 0.0185% | 2,352 |
| Credit loss provision to net charge-offs | 5,128.9409% | 233 |
| Earnings coverage of net charge-offs (x) | 141.7254% | 552 |
| Efficiency ratio | 50.4728% | 4,474 |
| Assets per employee ($millions) | 7.1711% | 1,347 |
| Cash dividends to net income (ytd only)* | 19.5263% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 1,992 |
| Loan loss allowance to noncurrent loans | 219.8845% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 2,508 |
| Noncurrent loans to loans | 0.5923% | 2,383 |
| Net loans and leases to total assets | 66.5235% | 2,555 |
| Net loans and leases to deposits | 83.4528% | 2,051 |
| Net loans and leases to core deposits | 89.2728% | 2,133 |
| Total domestic deposits to total assets | 79.7139% | 3,893 |
| Equity capital to assets | 13.6464% | 946 |
| Core capital (leverage) ratio | 9.6616% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7319% | 2,296 |
| Memoranda: | ||
| Average total assets | $12,965,965,667 | 127 |
| Average earning assets | $11,589,218,667 | 128 |
| Average equity | $1,840,108,667 | 114 |
| Average total loans | $8,793,225,667 | 133 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 3,001 |
| Cost of funding earning assets | 0.8555% | 2,088 |
| Net interest margin | 3.4164% | 3,245 |
| Noninterest income to average assets | 0.8061% | 1,293 |
| Noninterest expense to average assets | 2.0861% | 4,244 |
| Loan and lease loss provision to assets | 0.6295% | 433 |
| Net operating income to assets | 1.0260% | 2,088 |
| Return on assets (ROA) | 1.1583% | 1,770 |
| Pretax return on assets | 1.2900% | 1,894 |
| Return on Equity (ROE) | 7.9929% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.9929% | 1,237 |
| Net charge-offs to loans | 0.0273% | 1,833 |
| Credit loss provision to net charge-offs | 3,393.8144% | 233 |
| Earnings coverage of net charge-offs (x) | 95.5601% | 598 |
| Efficiency ratio | 52.8128% | 4,486 |
| Assets per employee ($millions) | 6.6827% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,912 |
| Loan loss allowance to noncurrent loans | 623.1063% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,739 |
| Noncurrent loans to loans | 0.1853% | 3,810 |
| Net loans and leases to total assets | 67.1834% | 2,676 |
| Net loans and leases to deposits | 85.8398% | 2,021 |
| Net loans and leases to core deposits | 93.7031% | 2,003 |
| Total domestic deposits to total assets | 78.2660% | 4,171 |
| Equity capital to assets | 14.6050% | 860 |
| Core capital (leverage) ratio | 10.2412% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2246% | 2,608 |
| Memoranda: | ||
| Average total assets | $12,550,393,000 | 126 |
| Average earning assets | $11,213,985,000 | 126 |
| Average equity | $1,818,759,500 | 115 |
| Average total loans | $8,540,117,500 | 135 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 2,375 |
| Cost of funding earning assets | 1.0111% | 1,678 |
| Net interest margin | 3.6727% | 2,894 |
| Noninterest income to average assets | 0.7322% | 1,697 |
| Noninterest expense to average assets | 2.1584% | 4,247 |
| Loan and lease loss provision to assets | 0.0252% | 3,509 |
| Net operating income to assets | 1.5439% | 953 |
| Return on assets (ROA) | 1.5773% | 938 |
| Pretax return on assets | 1.8734% | 789 |
| Return on Equity (ROE) | 10.9353% | 1,913 |
| Retained earnings to average equity (ytd only) | 3.1315% | 3,458 |
| Net charge-offs to loans | 0.0395% | 2,597 |
| Credit loss provision to net charge-offs | 91.2647% | 2,638 |
| Earnings coverage of net charge-offs (x) | 67.2829% | 906 |
| Efficiency ratio | 52.3844% | 4,575 |
| Assets per employee ($millions) | 6.5874% | 1,238 |
| Cash dividends to net income (ytd only)* | 71.3637% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 3,750 |
| Loan loss allowance to noncurrent loans | 501.2111% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,701 |
| Noncurrent loans to loans | 0.1892% | 3,774 |
| Net loans and leases to total assets | 67.4805% | 2,755 |
| Net loans and leases to deposits | 84.1781% | 2,309 |
| Net loans and leases to core deposits | 92.0721% | 2,230 |
| Total domestic deposits to total assets | 80.1640% | 3,944 |
| Equity capital to assets | 14.3762% | 977 |
| Core capital (leverage) ratio | 9.9870% | 3,534 |
| Tier 1 risk-based capital ratio | 12.0582% | 4,331 |
| Total risk-based capital ratio | 12.8736% | 4,448 |
| Memoranda: | ||
| Average total assets | $11,104,906,200 | 131 |
| Average earning assets | $9,932,985,800 | 132 |
| Average equity | $1,601,779,400 | 124 |
| Average total loans | $7,764,927,200 | 134 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,436 |
| Cost of funding earning assets | 1.0258% | 1,653 |
| Net interest margin | 3.6677% | 3,035 |
| Noninterest income to average assets | 0.7174% | 1,715 |
| Noninterest expense to average assets | 2.1695% | 4,235 |
| Loan and lease loss provision to assets | 0.0285% | 3,337 |
| Net operating income to assets | 1.5138% | 1,157 |
| Return on assets (ROA) | 1.5489% | 1,116 |
| Pretax return on assets | 1.8440% | 990 |
| Return on Equity (ROE) | 10.7280% | 2,130 |
| Retained earnings to average equity (ytd only) | 2.5850% | 4,057 |
| Net charge-offs to loans | 0.0401% | 2,296 |
| Credit loss provision to net charge-offs | 100.8330% | 2,234 |
| Earnings coverage of net charge-offs (x) | 64.8522% | 1,009 |
| Efficiency ratio | 52.8721% | 4,521 |
| Assets per employee ($millions) | 6.3494% | 1,362 |
| Cash dividends to net income (ytd only)* | 75.9047% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,735 |
| Loan loss allowance to noncurrent loans | 353.2267% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,594 |
| Noncurrent loans to loans | 0.2746% | 3,557 |
| Net loans and leases to total assets | 66.8547% | 2,945 |
| Net loans and leases to deposits | 83.2450% | 2,536 |
| Net loans and leases to core deposits | 91.2711% | 2,440 |
| Total domestic deposits to total assets | 80.3108% | 3,919 |
| Equity capital to assets | 14.3359% | 1,028 |
| Core capital (leverage) ratio | 10.8831% | 2,757 |
| Tier 1 risk-based capital ratio | 12.2062% | 4,304 |
| Total risk-based capital ratio | 13.0518% | 4,408 |
| Memoranda: | ||
| Average total assets | $10,773,545,500 | 132 |
| Average earning assets | $9,643,007,750 | 134 |
| Average equity | $1,555,472,750 | 126 |
| Average total loans | $7,589,072,250 | 138 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 2,028 |
| Cost of funding earning assets | 1.0229% | 1,589 |
| Net interest margin | 3.7879% | 2,615 |
| Noninterest income to average assets | 0.7080% | 1,682 |
| Noninterest expense to average assets | 2.1520% | 4,324 |
| Loan and lease loss provision to assets | 0.0331% | 3,164 |
| Net operating income to assets | 1.6047% | 903 |
| Return on assets (ROA) | 1.6535% | 837 |
| Pretax return on assets | 1.9776% | 707 |
| Return on Equity (ROE) | 11.4204% | 1,819 |
| Retained earnings to average equity (ytd only) | 2.6717% | 3,862 |
| Net charge-offs to loans | 0.0266% | 2,320 |
| Credit loss provision to net charge-offs | 173.8241% | 1,344 |
| Earnings coverage of net charge-offs (x) | 102.4530% | 685 |
| Efficiency ratio | 50.9816% | 4,728 |
| Assets per employee ($millions) | 6.1640% | 1,427 |
| Cash dividends to net income (ytd only)* | 76.6058% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,167 |
| Loan loss allowance to noncurrent loans | 314.4792% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 3,565 |
| Noncurrent loans to loans | 0.3438% | 3,315 |
| Net loans and leases to total assets | 69.3699% | 2,620 |
| Net loans and leases to deposits | 88.1052% | 1,997 |
| Net loans and leases to core deposits | 93.3569% | 2,293 |
| Total domestic deposits to total assets | 78.7354% | 4,267 |
| Equity capital to assets | 14.1209% | 1,080 |
| Core capital (leverage) ratio | 10.3138% | 3,273 |
| Tier 1 risk-based capital ratio | 12.0917% | 4,368 |
| Total risk-based capital ratio | 13.0427% | 4,421 |
| Memoranda: | ||
| Average total assets | $10,262,994,330 | 138 |
| Average earning assets | $9,202,816,330 | 140 |
| Average equity | $1,485,943,000 | 131 |
| Average total loans | $7,349,706,330 | 143 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 1,780 |
| Cost of funding earning assets | 0.9726% | 1,690 |
| Net interest margin | 3.8731% | 2,273 |
| Noninterest income to average assets | 0.6713% | 1,721 |
| Noninterest expense to average assets | 2.1723% | 4,329 |
| Loan and lease loss provision to assets | 0.0478% | 2,690 |
| Net operating income to assets | 1.6017% | 890 |
| Return on assets (ROA) | 1.6398% | 854 |
| Pretax return on assets | 1.9621% | 683 |
| Return on Equity (ROE) | 11.1784% | 1,879 |
| Retained earnings to average equity (ytd only) | 3.0267% | 3,725 |
| Net charge-offs to loans | 0.0468% | 1,607 |
| Credit loss provision to net charge-offs | 141.1765% | 1,290 |
| Earnings coverage of net charge-offs (x) | 57.9812% | 929 |
| Efficiency ratio | 51.0392% | 4,757 |
| Assets per employee ($millions) | 5.9660% | 1,575 |
| Cash dividends to net income (ytd only)* | 72.9235% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,083 |
| Loan loss allowance to noncurrent loans | 288.0818% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 3,432 |
| Noncurrent loans to loans | 0.3846% | 3,207 |
| Net loans and leases to total assets | 70.8305% | 2,357 |
| Net loans and leases to deposits | 88.5977% | 1,791 |
| Net loans and leases to core deposits | 93.8900% | 2,133 |
| Total domestic deposits to total assets | 79.9462% | 4,185 |
| Equity capital to assets | 14.5937% | 861 |
| Core capital (leverage) ratio | 10.6201% | 2,923 |
| Tier 1 risk-based capital ratio | 12.4047% | 4,228 |
| Total risk-based capital ratio | 13.3876% | 4,269 |
| Memoranda: | ||
| Average total assets | $10,034,856,000 | 140 |
| Average earning assets | $8,978,747,500 | 142 |
| Average equity | $1,472,083,500 | 130 |
| Average total loans | $7,265,947,500 | 143 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 1,634 |
| Cost of funding earning assets | 0.7106% | 2,026 |
| Net interest margin | 4.0513% | 1,821 |
| Noninterest income to average assets | 0.7500% | 1,642 |
| Noninterest expense to average assets | 2.2409% | 4,241 |
| Loan and lease loss provision to assets | 0.0750% | 2,628 |
| Net operating income to assets | 1.7066% | 683 |
| Return on assets (ROA) | 1.7438% | 621 |
| Pretax return on assets | 2.0788% | 461 |
| Return on Equity (ROE) | 11.7624% | 1,796 |
| Retained earnings to average equity (ytd only) | 4.7631% | 2,911 |
| Net charge-offs to loans | 0.0243% | 2,919 |
| Credit loss provision to net charge-offs | 423.3743% | 791 |
| Earnings coverage of net charge-offs (x) | 119.0937% | 656 |
| Efficiency ratio | 49.9071% | 4,949 |
| Assets per employee ($millions) | 5.8150% | 1,661 |
| Cash dividends to net income (ytd only)* | 59.5061% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,010 |
| Loan loss allowance to noncurrent loans | 287.6549% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,347 |
| Noncurrent loans to loans | 0.3874% | 3,145 |
| Net loans and leases to total assets | 72.3999% | 2,191 |
| Net loans and leases to deposits | 91.1435% | 1,648 |
| Net loans and leases to core deposits | 96.8841% | 1,974 |
| Total domestic deposits to total assets | 79.4351% | 4,226 |
| Equity capital to assets | 14.7482% | 776 |
| Core capital (leverage) ratio | 10.6983% | 2,836 |
| Tier 1 risk-based capital ratio | 12.4650% | 4,160 |
| Total risk-based capital ratio | 13.4571% | 4,171 |
| Memoranda: | ||
| Average total assets | $9,636,879,000 | 138 |
| Average earning assets | $8,564,290,800 | 145 |
| Average equity | $1,428,705,400 | 128 |
| Average total loans | $7,013,604,600 | 143 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 1,705 |
| Cost of funding earning assets | 0.6614% | 2,085 |
| Net interest margin | 4.0302% | 1,855 |
| Noninterest income to average assets | 0.7367% | 1,727 |
| Noninterest expense to average assets | 2.2265% | 4,264 |
| Loan and lease loss provision to assets | 0.0774% | 2,410 |
| Net operating income to assets | 1.6655% | 810 |
| Return on assets (ROA) | 1.7119% | 727 |
| Pretax return on assets | 2.0666% | 528 |
| Return on Equity (ROE) | 11.5314% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.9049% | 2,704 |
| Net charge-offs to loans | 0.0419% | 2,249 |
| Credit loss provision to net charge-offs | 254.1343% | 1,164 |
| Earnings coverage of net charge-offs (x) | 68.5250% | 972 |
| Efficiency ratio | 49.9595% | 4,946 |
| Assets per employee ($millions) | 5.7865% | 1,656 |
| Cash dividends to net income (ytd only)* | 48.7924% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,155 |
| Loan loss allowance to noncurrent loans | 383.0101% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,497 |
| Noncurrent loans to loans | 0.2887% | 3,649 |
| Net loans and leases to total assets | 71.7532% | 2,366 |
| Net loans and leases to deposits | 91.1838% | 1,730 |
| Net loans and leases to core deposits | 101.2744% | 1,673 |
| Total domestic deposits to total assets | 78.6907% | 4,380 |
| Equity capital to assets | 14.6948% | 782 |
| Core capital (leverage) ratio | 10.8247% | 2,767 |
| Tier 1 risk-based capital ratio | 12.4618% | 4,217 |
| Total risk-based capital ratio | 13.4348% | 4,290 |
| Memoranda: | ||
| Average total assets | $9,577,624,750 | 138 |
| Average earning assets | $8,502,881,250 | 143 |
| Average equity | $1,421,826,750 | 127 |
| Average total loans | $6,959,694,500 | 141 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 1,752 |
| Cost of funding earning assets | 0.6153% | 2,130 |
| Net interest margin | 3.9934% | 1,884 |
| Noninterest income to average assets | 0.7343% | 1,716 |
| Noninterest expense to average assets | 2.2356% | 4,290 |
| Loan and lease loss provision to assets | 0.0875% | 2,169 |
| Net operating income to assets | 1.6210% | 874 |
| Return on assets (ROA) | 1.6687% | 782 |
| Pretax return on assets | 2.0109% | 591 |
| Return on Equity (ROE) | 11.2016% | 2,035 |
| Retained earnings to average equity (ytd only) | 6.9675% | 2,089 |
| Net charge-offs to loans | 0.0478% | 1,930 |
| Credit loss provision to net charge-offs | 251.9976% | 1,132 |
| Earnings coverage of net charge-offs (x) | 58.7603% | 1,013 |
| Efficiency ratio | 50.5826% | 4,992 |
| Assets per employee ($millions) | 5.7930% | 1,641 |
| Cash dividends to net income (ytd only)* | 37.7996% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,295 |
| Loan loss allowance to noncurrent loans | 381.4778% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 3,552 |
| Noncurrent loans to loans | 0.2870% | 3,671 |
| Net loans and leases to total assets | 72.0690% | 2,263 |
| Net loans and leases to deposits | 92.8962% | 1,491 |
| Net loans and leases to core deposits | 102.9775% | 1,485 |
| Total domestic deposits to total assets | 77.5802% | 4,654 |
| Equity capital to assets | 14.7390% | 747 |
| Core capital (leverage) ratio | 10.7190% | 2,788 |
| Tier 1 risk-based capital ratio | 12.2561% | 4,338 |
| Total risk-based capital ratio | 13.2183% | 4,395 |
| Memoranda: | ||
| Average total assets | $9,512,384,000 | 138 |
| Average earning assets | $8,437,719,000 | 141 |
| Average equity | $1,417,044,670 | 124 |
| Average total loans | $6,915,895,000 | 143 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,891 |
| Cost of funding earning assets | 0.5626% | 2,297 |
| Net interest margin | 3.9316% | 1,922 |
| Noninterest income to average assets | 0.7214% | 1,738 |
| Noninterest expense to average assets | 2.2299% | 4,345 |
| Loan and lease loss provision to assets | 0.1063% | 1,757 |
| Net operating income to assets | 1.5544% | 947 |
| Return on assets (ROA) | 1.6112% | 835 |
| Pretax return on assets | 1.9341% | 671 |
| Return on Equity (ROE) | 10.7567% | 2,065 |
| Retained earnings to average equity (ytd only) | 7.9182% | 1,871 |
| Net charge-offs to loans | 0.0651% | 1,456 |
| Credit loss provision to net charge-offs | 224.8201% | 972 |
| Earnings coverage of net charge-offs (x) | 41.7113% | 1,045 |
| Efficiency ratio | 51.3224% | 5,006 |
| Assets per employee ($millions) | 5.6402% | 1,810 |
| Cash dividends to net income (ytd only)* | 26.3880% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,338 |
| Loan loss allowance to noncurrent loans | 270.6570% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 3,228 |
| Noncurrent loans to loans | 0.4088% | 3,314 |
| Net loans and leases to total assets | 72.1631% | 2,145 |
| Net loans and leases to deposits | 92.7572% | 1,358 |
| Net loans and leases to core deposits | 101.9262% | 1,536 |
| Total domestic deposits to total assets | 77.7978% | 4,754 |
| Equity capital to assets | 14.9415% | 688 |
| Core capital (leverage) ratio | 10.8443% | 2,585 |
| Tier 1 risk-based capital ratio | 12.2176% | 4,422 |
| Total risk-based capital ratio | 13.1862% | 4,484 |
| Memoranda: | ||
| Average total assets | $9,408,259,500 | 140 |
| Average earning assets | $8,328,840,500 | 142 |
| Average equity | $1,409,206,000 | 125 |
| Average total loans | $6,832,290,000 | 141 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,121 |
| Cost of funding earning assets | 0.4172% | 3,075 |
| Net interest margin | 3.9505% | 1,915 |
| Noninterest income to average assets | 0.8096% | 1,534 |
| Noninterest expense to average assets | 2.4270% | 3,997 |
| Loan and lease loss provision to assets | 0.1126% | 2,019 |
| Net operating income to assets | 1.2469% | 1,371 |
| Return on assets (ROA) | 1.2700% | 1,323 |
| Pretax return on assets | 1.8051% | 785 |
| Return on Equity (ROE) | 8.8087% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.0763% | 1,497 |
| Net charge-offs to loans | 0.0025% | 4,018 |
| Credit loss provision to net charge-offs | 6,177.7027% | 59 |
| Earnings coverage of net charge-offs (x) | 1,034.3784% | 80 |
| Efficiency ratio | 54.6781% | 4,888 |
| Assets per employee ($millions) | 5.5767% | 1,862 |
| Cash dividends to net income (ytd only)* | 31.0192% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,291 |
| Loan loss allowance to noncurrent loans | 253.0761% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 3,154 |
| Noncurrent loans to loans | 0.4387% | 3,210 |
| Net loans and leases to total assets | 71.4632% | 2,302 |
| Net loans and leases to deposits | 92.7963% | 1,408 |
| Net loans and leases to core deposits | 100.3809% | 1,681 |
| Total domestic deposits to total assets | 77.0109% | 4,851 |
| Equity capital to assets | 15.0158% | 673 |
| Core capital (leverage) ratio | 10.8262% | 2,504 |
| Tier 1 risk-based capital ratio | 12.1957% | 4,398 |
| Total risk-based capital ratio | 13.1678% | 4,467 |
| Memoranda: | ||
| Average total assets | $8,123,094,200 | 151 |
| Average earning assets | $7,201,006,200 | 153 |
| Average equity | $1,171,140,800 | 135 |
| Average total loans | $5,856,460,400 | 150 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,235 |
| Cost of funding earning assets | 0.3927% | 3,270 |
| Net interest margin | 3.9180% | 1,978 |
| Noninterest income to average assets | 0.8263% | 1,491 |
| Noninterest expense to average assets | 2.4288% | 3,939 |
| Loan and lease loss provision to assets | 0.1253% | 1,731 |
| Net operating income to assets | 1.2995% | 1,333 |
| Return on assets (ROA) | 1.3191% | 1,306 |
| Pretax return on assets | 1.7748% | 943 |
| Return on Equity (ROE) | 9.2641% | 2,461 |
| Retained earnings to average equity (ytd only) | 6.6283% | 1,892 |
| Net charge-offs to loans | 0.0006% | 3,782 |
| Credit loss provision to net charge-offs | 28,242.3077% | 13 |
| Earnings coverage of net charge-offs (x) | 4,223.9882% | 12 |
| Efficiency ratio | 55.0265% | 4,845 |
| Assets per employee ($millions) | 5.2684% | 2,153 |
| Cash dividends to net income (ytd only)* | 28.4517% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,304 |
| Loan loss allowance to noncurrent loans | 224.4752% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 3,084 |
| Noncurrent loans to loans | 0.5037% | 3,191 |
| Net loans and leases to total assets | 70.9950% | 2,410 |
| Net loans and leases to deposits | 92.4069% | 1,508 |
| Net loans and leases to core deposits | 100.8271% | 1,637 |
| Total domestic deposits to total assets | 76.8288% | 4,918 |
| Equity capital to assets | 15.3273% | 667 |
| Core capital (leverage) ratio | 11.1010% | 2,369 |
| Tier 1 risk-based capital ratio | 12.2508% | 4,465 |
| Total risk-based capital ratio | 13.2210% | 4,521 |
| Memoranda: | ||
| Average total assets | $7,815,818,750 | 158 |
| Average earning assets | $6,934,523,250 | 158 |
| Average equity | $1,112,850,250 | 139 |
| Average total loans | $5,630,971,750 | 157 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,360 |
| Cost of funding earning assets | 0.3621% | 3,458 |
| Net interest margin | 3.8670% | 2,038 |
| Noninterest income to average assets | 0.8356% | 1,450 |
| Noninterest expense to average assets | 2.3490% | 4,210 |
| Loan and lease loss provision to assets | 0.1420% | 1,440 |
| Net operating income to assets | 1.3291% | 1,218 |
| Return on assets (ROA) | 1.3523% | 1,198 |
| Pretax return on assets | 1.8193% | 799 |
| Return on Equity (ROE) | 9.8024% | 2,123 |
| Retained earnings to average equity (ytd only) | 7.2588% | 1,469 |
| Net charge-offs to loans | 0.0309% | 2,586 |
| Credit loss provision to net charge-offs | 636.8039% | 539 |
| Earnings coverage of net charge-offs (x) | 86.5545% | 724 |
| Efficiency ratio | 53.7034% | 5,040 |
| Assets per employee ($millions) | 5.1079% | 2,266 |
| Cash dividends to net income (ytd only)* | 25.9486% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,659 |
| Loan loss allowance to noncurrent loans | 251.8530% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 3,055 |
| Noncurrent loans to loans | 0.4981% | 3,258 |
| Net loans and leases to total assets | 71.4417% | 2,294 |
| Net loans and leases to deposits | 91.7174% | 1,535 |
| Net loans and leases to core deposits | 100.6441% | 1,607 |
| Total domestic deposits to total assets | 77.8933% | 4,833 |
| Equity capital to assets | 14.1650% | 913 |
| Core capital (leverage) ratio | 11.0508% | 2,358 |
| Tier 1 risk-based capital ratio | 12.1292% | 4,550 |
| Total risk-based capital ratio | 13.1928% | 4,567 |
| Memoranda: | ||
| Average total assets | $7,409,328,330 | 164 |
| Average earning assets | $6,597,318,330 | 163 |
| Average equity | $1,022,178,000 | 146 |
| Average total loans | $5,345,308,330 | 159 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,192 |
| Cost of funding earning assets | 0.3362% | 3,684 |
| Net interest margin | 3.8878% | 1,825 |
| Noninterest income to average assets | 0.7735% | 1,649 |
| Noninterest expense to average assets | 2.3074% | 4,391 |
| Loan and lease loss provision to assets | 0.1319% | 1,452 |
| Net operating income to assets | 1.3142% | 1,205 |
| Return on assets (ROA) | 1.3384% | 1,178 |
| Pretax return on assets | 1.8332% | 740 |
| Return on Equity (ROE) | 9.8427% | 2,032 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,781 |
| Net charge-offs to loans | 0.0151% | 2,501 |
| Credit loss provision to net charge-offs | 1,210.6599% | 266 |
| Earnings coverage of net charge-offs (x) | 177.3147% | 317 |
| Efficiency ratio | 53.2486% | 5,183 |
| Assets per employee ($millions) | 5.0452% | 2,384 |
| Cash dividends to net income (ytd only)* | 26.8617% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,570 |
| Loan loss allowance to noncurrent loans | 243.2871% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 3,227 |
| Noncurrent loans to loans | 0.5315% | 3,216 |
| Net loans and leases to total assets | 71.4860% | 2,141 |
| Net loans and leases to deposits | 91.9169% | 1,338 |
| Net loans and leases to core deposits | 101.3029% | 1,421 |
| Total domestic deposits to total assets | 77.7725% | 4,997 |
| Equity capital to assets | 13.6321% | 1,030 |
| Core capital (leverage) ratio | 10.7819% | 2,616 |
| Tier 1 risk-based capital ratio | 12.2267% | 4,563 |
| Total risk-based capital ratio | 13.3372% | 4,555 |
| Memoranda: | ||
| Average total assets | $7,232,009,500 | 166 |
| Average earning assets | $6,447,095,000 | 166 |
| Average equity | $983,386,000 | 148 |
| Average total loans | $5,209,372,500 | 164 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 2,738 |
| Cost of funding earning assets | 0.3206% | 3,840 |
| Net interest margin | 3.8090% | 2,290 |
| Noninterest income to average assets | 0.8483% | 1,582 |
| Noninterest expense to average assets | 2.5011% | 4,004 |
| Loan and lease loss provision to assets | 0.0817% | 2,723 |
| Net operating income to assets | 1.2065% | 1,485 |
| Return on assets (ROA) | 1.2427% | 1,458 |
| Pretax return on assets | 1.6884% | 1,034 |
| Return on Equity (ROE) | 8.9846% | 2,430 |
| Retained earnings to average equity (ytd only) | 5.5892% | 1,958 |
| Net charge-offs to loans | 0.0426% | 3,185 |
| Credit loss provision to net charge-offs | 272.8895% | 1,059 |
| Earnings coverage of net charge-offs (x) | 57.4592% | 924 |
| Efficiency ratio | 57.8972% | 4,864 |
| Assets per employee ($millions) | 4.9783% | 2,421 |
| Cash dividends to net income (ytd only)* | 37.7907% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,631 |
| Loan loss allowance to noncurrent loans | 219.3192% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 3,105 |
| Noncurrent loans to loans | 0.5855% | 3,090 |
| Net loans and leases to total assets | 70.7161% | 2,378 |
| Net loans and leases to deposits | 90.8423% | 1,590 |
| Net loans and leases to core deposits | 98.9544% | 1,713 |
| Total domestic deposits to total assets | 77.8449% | 4,998 |
| Equity capital to assets | 13.5628% | 1,019 |
| Core capital (leverage) ratio | 10.7841% | 2,549 |
| Tier 1 risk-based capital ratio | 12.2048% | 4,574 |
| Total risk-based capital ratio | 13.3020% | 4,576 |
| Memoranda: | ||
| Average total assets | $6,920,399,000 | 163 |
| Average earning assets | $6,130,016,200 | 165 |
| Average equity | $957,195,600 | 148 |
| Average total loans | $4,869,086,800 | 162 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,743 |
| Cost of funding earning assets | 0.3260% | 3,812 |
| Net interest margin | 3.8088% | 2,297 |
| Noninterest income to average assets | 0.8678% | 1,521 |
| Noninterest expense to average assets | 2.5385% | 3,869 |
| Loan and lease loss provision to assets | 0.0630% | 2,978 |
| Net operating income to assets | 1.2055% | 1,625 |
| Return on assets (ROA) | 1.2420% | 1,585 |
| Pretax return on assets | 1.6869% | 1,148 |
| Return on Equity (ROE) | 8.9344% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.0874% | 2,762 |
| Net charge-offs to loans | 0.0621% | 2,468 |
| Credit loss provision to net charge-offs | 144.8368% | 1,815 |
| Earnings coverage of net charge-offs (x) | 39.0863% | 1,266 |
| Efficiency ratio | 58.5401% | 4,745 |
| Assets per employee ($millions) | 4.8792% | 2,523 |
| Cash dividends to net income (ytd only)* | 43.0589% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,816 |
| Loan loss allowance to noncurrent loans | 177.5987% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 2,940 |
| Noncurrent loans to loans | 0.7181% | 2,880 |
| Net loans and leases to total assets | 70.1045% | 2,472 |
| Net loans and leases to deposits | 89.3788% | 1,835 |
| Net loans and leases to core deposits | 97.2197% | 1,889 |
| Total domestic deposits to total assets | 78.4353% | 4,827 |
| Equity capital to assets | 13.8754% | 1,088 |
| Core capital (leverage) ratio | 10.7333% | 2,746 |
| Tier 1 risk-based capital ratio | 12.1480% | 4,701 |
| Total risk-based capital ratio | 13.2271% | 4,702 |
| Memoranda: | ||
| Average total assets | $6,855,809,750 | 166 |
| Average earning assets | $6,068,047,000 | 169 |
| Average equity | $953,084,250 | 149 |
| Average total loans | $4,800,715,000 | 164 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 2,781 |
| Cost of funding earning assets | 0.3308% | 3,787 |
| Net interest margin | 3.7897% | 2,362 |
| Noninterest income to average assets | 0.8627% | 1,501 |
| Noninterest expense to average assets | 2.6057% | 3,704 |
| Loan and lease loss provision to assets | 0.0394% | 3,368 |
| Net operating income to assets | 1.1613% | 1,731 |
| Return on assets (ROA) | 1.1983% | 1,702 |
| Pretax return on assets | 1.6151% | 1,327 |
| Return on Equity (ROE) | 8.6144% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.9737% | 2,128 |
| Net charge-offs to loans | 0.0678% | 2,219 |
| Credit loss provision to net charge-offs | 83.3852% | 2,329 |
| Earnings coverage of net charge-offs (x) | 33.9726% | 1,293 |
| Efficiency ratio | 60.5273% | 4,573 |
| Assets per employee ($millions) | 4.6969% | 2,723 |
| Cash dividends to net income (ytd only)* | 30.6545% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,826 |
| Loan loss allowance to noncurrent loans | 183.2935% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 2,943 |
| Noncurrent loans to loans | 0.7053% | 2,960 |
| Net loans and leases to total assets | 68.9100% | 2,647 |
| Net loans and leases to deposits | 87.1555% | 2,117 |
| Net loans and leases to core deposits | 94.0727% | 2,160 |
| Total domestic deposits to total assets | 79.0656% | 4,770 |
| Equity capital to assets | 14.0357% | 1,010 |
| Core capital (leverage) ratio | 10.6623% | 2,779 |
| Tier 1 risk-based capital ratio | 12.6791% | 4,400 |
| Total risk-based capital ratio | 13.7987% | 4,399 |
| Memoranda: | ||
| Average total assets | $6,805,580,000 | 166 |
| Average earning assets | $6,011,282,330 | 167 |
| Average equity | $946,718,330 | 148 |
| Average total loans | $4,742,511,330 | 165 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,835 |
| Cost of funding earning assets | 0.3343% | 3,782 |
| Net interest margin | 3.7676% | 2,412 |
| Noninterest income to average assets | 0.8726% | 1,377 |
| Noninterest expense to average assets | 2.6780% | 3,503 |
| Loan and lease loss provision to assets | 0.0325% | 3,221 |
| Net operating income to assets | 1.1071% | 1,871 |
| Return on assets (ROA) | 1.1508% | 1,820 |
| Pretax return on assets | 1.5448% | 1,457 |
| Return on Equity (ROE) | 8.3103% | 2,757 |
| Retained earnings to average equity (ytd only) | 5.1069% | 2,868 |
| Net charge-offs to loans | 0.0779% | 1,711 |
| Credit loss provision to net charge-offs | 59.9782% | 1,984 |
| Earnings coverage of net charge-offs (x) | 27.9967% | 1,229 |
| Efficiency ratio | 62.4385% | 4,381 |
| Assets per employee ($millions) | 4.4383% | 3,187 |
| Cash dividends to net income (ytd only)* | 38.5465% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,818 |
| Loan loss allowance to noncurrent loans | 164.7630% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7860% | 2,733 |
| Noncurrent loans to loans | 0.7994% | 2,836 |
| Net loans and leases to total assets | 68.5873% | 2,563 |
| Net loans and leases to deposits | 86.9062% | 1,955 |
| Net loans and leases to core deposits | 94.1045% | 1,980 |
| Total domestic deposits to total assets | 78.9211% | 4,984 |
| Equity capital to assets | 13.9385% | 1,008 |
| Core capital (leverage) ratio | 10.6323% | 2,816 |
| Tier 1 risk-based capital ratio | 12.7111% | 4,455 |
| Total risk-based capital ratio | 13.8612% | 4,424 |
| Memoranda: | ||
| Average total assets | $6,763,225,500 | 166 |
| Average earning assets | $5,966,592,500 | 169 |
| Average equity | $936,528,500 | 150 |
| Average total loans | $4,708,625,500 | 166 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 3,013 |
| Cost of funding earning assets | 0.3344% | 3,854 |
| Net interest margin | 3.7432% | 2,585 |
| Noninterest income to average assets | 0.8470% | 1,618 |
| Noninterest expense to average assets | 2.6808% | 3,649 |
| Loan and lease loss provision to assets | 0.0068% | 4,262 |
| Net operating income to assets | 1.0800% | 2,005 |
| Return on assets (ROA) | 1.1122% | 1,931 |
| Pretax return on assets | 1.5084% | 1,529 |
| Return on Equity (ROE) | 8.1133% | 2,892 |
| Retained earnings to average equity (ytd only) | 3.5984% | 3,496 |
| Net charge-offs to loans | 0.0455% | 3,308 |
| Credit loss provision to net charge-offs | 21.6286% | 3,734 |
| Earnings coverage of net charge-offs (x) | 46.8677% | 1,047 |
| Efficiency ratio | 63.4880% | 4,370 |
| Assets per employee ($millions) | 4.4285% | 3,154 |
| Cash dividends to net income (ytd only)* | 55.6475% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,764 |
| Loan loss allowance to noncurrent loans | 193.3769% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 2,858 |
| Noncurrent loans to loans | 0.6866% | 3,133 |
| Net loans and leases to total assets | 68.8139% | 2,572 |
| Net loans and leases to deposits | 87.0373% | 1,999 |
| Net loans and leases to core deposits | 94.0824% | 2,040 |
| Total domestic deposits to total assets | 79.0625% | 4,969 |
| Equity capital to assets | 13.7557% | 1,017 |
| Core capital (leverage) ratio | 11.2225% | 2,187 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,453 |
| Total risk-based capital ratio | 13.9834% | 4,394 |
| Memoranda: | ||
| Average total assets | $6,140,067,200 | 169 |
| Average earning assets | $5,422,058,200 | 168 |
| Average equity | $841,669,800 | 152 |
| Average total loans | $4,235,579,600 | 171 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 2,759 |
| Cost of funding earning assets | 0.3365% | 3,905 |
| Net interest margin | 3.8108% | 2,344 |
| Noninterest income to average assets | 0.8705% | 1,546 |
| Noninterest expense to average assets | 2.6980% | 3,566 |
| Loan and lease loss provision to assets | 0.0093% | 4,082 |
| Net operating income to assets | 1.1181% | 1,931 |
| Return on assets (ROA) | 1.1514% | 1,893 |
| Pretax return on assets | 1.5762% | 1,455 |
| Return on Equity (ROE) | 8.4077% | 2,867 |
| Retained earnings to average equity (ytd only) | 3.0430% | 4,276 |
| Net charge-offs to loans | 0.0492% | 2,912 |
| Credit loss provision to net charge-offs | 27.4342% | 3,298 |
| Earnings coverage of net charge-offs (x) | 45.5058% | 1,123 |
| Efficiency ratio | 62.5933% | 4,477 |
| Assets per employee ($millions) | 4.3000% | 3,318 |
| Cash dividends to net income (ytd only)* | 63.8076% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 2,353 |
| Loan loss allowance to noncurrent loans | 181.9737% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 2,886 |
| Noncurrent loans to loans | 0.7990% | 2,965 |
| Net loans and leases to total assets | 69.0035% | 2,538 |
| Net loans and leases to deposits | 87.7069% | 1,942 |
| Net loans and leases to core deposits | 95.6235% | 1,920 |
| Total domestic deposits to total assets | 78.6751% | 5,056 |
| Equity capital to assets | 13.6345% | 1,160 |
| Core capital (leverage) ratio | 10.6561% | 2,871 |
| Tier 1 risk-based capital ratio | 12.6515% | 4,647 |
| Total risk-based capital ratio | 13.9020% | 4,554 |
| Memoranda: | ||
| Average total assets | $5,988,918,500 | 173 |
| Average earning assets | $5,292,001,000 | 172 |
| Average equity | $820,143,750 | 156 |
| Average total loans | $4,118,545,500 | 175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 2,765 |
| Cost of funding earning assets | 0.3371% | 3,959 |
| Net interest margin | 3.8005% | 2,304 |
| Noninterest income to average assets | 0.8667% | 1,548 |
| Noninterest expense to average assets | 2.6885% | 3,632 |
| Loan and lease loss provision to assets | 0.0141% | 3,839 |
| Net operating income to assets | 1.1042% | 1,939 |
| Return on assets (ROA) | 1.1271% | 1,934 |
| Pretax return on assets | 1.5466% | 1,500 |
| Return on Equity (ROE) | 8.2181% | 2,932 |
| Retained earnings to average equity (ytd only) | 0.0989% | 5,475 |
| Net charge-offs to loans | 0.0904% | 2,126 |
| Credit loss provision to net charge-offs | 22.7744% | 2,987 |
| Earnings coverage of net charge-offs (x) | 24.7499% | 1,552 |
| Efficiency ratio | 62.6669% | 4,566 |
| Assets per employee ($millions) | 4.2036% | 3,463 |
| Cash dividends to net income (ytd only)* | 98.7965% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 2,404 |
| Loan loss allowance to noncurrent loans | 163.1243% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 2,655 |
| Noncurrent loans to loans | 0.9030% | 2,866 |
| Net loans and leases to total assets | 68.3140% | 2,599 |
| Net loans and leases to deposits | 86.3523% | 2,017 |
| Net loans and leases to core deposits | 94.2250% | 1,935 |
| Total domestic deposits to total assets | 79.1109% | 5,075 |
| Equity capital to assets | 13.3864% | 1,222 |
| Core capital (leverage) ratio | 10.4937% | 2,961 |
| Tier 1 risk-based capital ratio | 12.4535% | 4,839 |
| Total risk-based capital ratio | 13.7045% | 4,750 |
| Memoranda: | ||
| Average total assets | $5,926,973,670 | 173 |
| Average earning assets | $5,226,056,330 | 173 |
| Average equity | $812,892,000 | 156 |
| Average total loans | $4,050,174,670 | 177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,724 |
| Cost of funding earning assets | 0.3357% | 4,027 |
| Net interest margin | 3.7900% | 2,259 |
| Noninterest income to average assets | 0.8579% | 1,536 |
| Noninterest expense to average assets | 2.6247% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1374% | 1,732 |
| Return on assets (ROA) | 1.1880% | 1,682 |
| Pretax return on assets | 1.6405% | 1,173 |
| Return on Equity (ROE) | 8.5544% | 2,673 |
| Retained earnings to average equity (ytd only) | 2.1300% | 4,610 |
| Net charge-offs to loans | 0.1177% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.6715% | 1,439 |
| Efficiency ratio | 61.4846% | 4,882 |
| Assets per employee ($millions) | 4.2270% | 3,517 |
| Cash dividends to net income (ytd only)* | 75.1011% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 2,119 |
| Loan loss allowance to noncurrent loans | 136.5952% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 2,410 |
| Noncurrent loans to loans | 1.1575% | 2,453 |
| Net loans and leases to total assets | 66.7725% | 2,636 |
| Net loans and leases to deposits | 83.3404% | 2,162 |
| Net loans and leases to core deposits | 91.2872% | 2,001 |
| Total domestic deposits to total assets | 80.1201% | 5,025 |
| Equity capital to assets | 13.8653% | 1,028 |
| Core capital (leverage) ratio | 10.8721% | 2,547 |
| Tier 1 risk-based capital ratio | 12.9855% | 4,613 |
| Total risk-based capital ratio | 14.2366% | 4,529 |
| Memoranda: | ||
| Average total assets | $5,828,169,500 | 172 |
| Average earning assets | $5,131,450,500 | 172 |
| Average equity | $809,407,500 | 156 |
| Average total loans | $3,952,012,000 | 177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,657 |
| Cost of funding earning assets | 0.3125% | 4,655 |
| Net interest margin | 3.9738% | 1,960 |
| Noninterest income to average assets | 0.8881% | 1,545 |
| Noninterest expense to average assets | 2.7662% | 3,608 |
| Loan and lease loss provision to assets | 0.0460% | 3,651 |
| Net operating income to assets | 1.1294% | 1,870 |
| Return on assets (ROA) | 1.1764% | 1,726 |
| Pretax return on assets | 1.6206% | 1,177 |
| Return on Equity (ROE) | 8.6214% | 2,776 |
| Retained earnings to average equity (ytd only) | 1.7704% | 4,929 |
| Net charge-offs to loans | 0.1729% | 2,297 |
| Credit loss provision to net charge-offs | 39.5917% | 3,680 |
| Earnings coverage of net charge-offs (x) | 13.7838% | 2,240 |
| Efficiency ratio | 62.4099% | 4,842 |
| Assets per employee ($millions) | 4.2350% | 3,470 |
| Cash dividends to net income (ytd only)* | 79.4645% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 2,001 |
| Loan loss allowance to noncurrent loans | 119.6662% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 2,245 |
| Noncurrent loans to loans | 1.3594% | 2,164 |
| Net loans and leases to total assets | 66.6697% | 2,773 |
| Net loans and leases to deposits | 82.7222% | 2,377 |
| Net loans and leases to core deposits | 90.3893% | 2,238 |
| Total domestic deposits to total assets | 80.5946% | 4,860 |
| Equity capital to assets | 13.9106% | 989 |
| Core capital (leverage) ratio | 10.5560% | 2,890 |
| Tier 1 risk-based capital ratio | 13.3893% | 4,474 |
| Total risk-based capital ratio | 14.6416% | 4,409 |
| Memoranda: | ||
| Average total assets | $5,562,436,200 | 174 |
| Average earning assets | $4,871,649,000 | 173 |
| Average equity | $759,021,000 | 159 |
| Average total loans | $3,740,409,200 | 173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,579 |
| Cost of funding earning assets | 0.3044% | 4,848 |
| Net interest margin | 4.0072% | 1,855 |
| Noninterest income to average assets | 0.8859% | 1,569 |
| Noninterest expense to average assets | 2.7756% | 3,557 |
| Loan and lease loss provision to assets | 0.0388% | 3,631 |
| Net operating income to assets | 1.1482% | 1,874 |
| Return on assets (ROA) | 1.1895% | 1,785 |
| Pretax return on assets | 1.6363% | 1,220 |
| Return on Equity (ROE) | 8.7621% | 2,805 |
| Retained earnings to average equity (ytd only) | 1.2656% | 5,390 |
| Net charge-offs to loans | 0.1399% | 2,398 |
| Credit loss provision to net charge-offs | 41.3010% | 3,269 |
| Earnings coverage of net charge-offs (x) | 17.2421% | 1,917 |
| Efficiency ratio | 62.2829% | 4,848 |
| Assets per employee ($millions) | 4.2222% | 3,434 |
| Cash dividends to net income (ytd only)* | 85.5554% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 1,863 |
| Loan loss allowance to noncurrent loans | 131.3628% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 2,631 |
| Noncurrent loans to loans | 1.3214% | 2,436 |
| Net loans and leases to total assets | 66.6768% | 2,743 |
| Net loans and leases to deposits | 85.2558% | 1,998 |
| Net loans and leases to core deposits | 93.7165% | 1,897 |
| Total domestic deposits to total assets | 78.2080% | 5,487 |
| Equity capital to assets | 13.5297% | 1,171 |
| Core capital (leverage) ratio | 10.4273% | 3,125 |
| Tier 1 risk-based capital ratio | 13.0618% | 4,831 |
| Total risk-based capital ratio | 14.3152% | 4,749 |
| Memoranda: | ||
| Average total assets | $5,502,559,250 | 173 |
| Average earning assets | $4,817,322,500 | 174 |
| Average equity | $747,005,250 | 161 |
| Average total loans | $3,692,486,500 | 172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 2,628 |
| Cost of funding earning assets | 0.3026% | 4,946 |
| Net interest margin | 3.9840% | 1,861 |
| Noninterest income to average assets | 0.8367% | 1,715 |
| Noninterest expense to average assets | 2.8012% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1024% | 1,931 |
| Return on assets (ROA) | 1.1403% | 1,872 |
| Pretax return on assets | 1.5642% | 1,351 |
| Return on Equity (ROE) | 8.3902% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.4829% | 4,626 |
| Net charge-offs to loans | -0.0271% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0380% | 4,682 |
| Assets per employee ($millions) | 4.1279% | 3,591 |
| Cash dividends to net income (ytd only)* | 70.4068% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 1,753 |
| Loan loss allowance to noncurrent loans | 130.4116% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 2,574 |
| Noncurrent loans to loans | 1.4054% | 2,449 |
| Net loans and leases to total assets | 65.4660% | 2,839 |
| Net loans and leases to deposits | 84.0207% | 2,038 |
| Net loans and leases to core deposits | 90.4513% | 2,082 |
| Total domestic deposits to total assets | 77.9165% | 5,649 |
| Equity capital to assets | 13.5076% | 1,151 |
| Core capital (leverage) ratio | 10.5724% | 2,860 |
| Tier 1 risk-based capital ratio | 13.3708% | 4,668 |
| Total risk-based capital ratio | 14.6255% | 4,616 |
| Memoranda: | ||
| Average total assets | $5,480,382,000 | 173 |
| Average earning assets | $4,782,638,330 | 175 |
| Average equity | $744,846,670 | 161 |
| Average total loans | $3,663,685,330 | 175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,461 |
| Cost of funding earning assets | 0.2943% | 5,133 |
| Net interest margin | 4.0227% | 1,672 |
| Noninterest income to average assets | 0.8497% | 1,564 |
| Noninterest expense to average assets | 2.9457% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0451% | 2,027 |
| Return on assets (ROA) | 1.0768% | 1,974 |
| Pretax return on assets | 1.4513% | 1,583 |
| Return on Equity (ROE) | 7.8977% | 2,976 |
| Retained earnings to average equity (ytd only) | 2.4887% | 4,582 |
| Net charge-offs to loans | -0.1887% | 6,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7485% | 4,408 |
| Assets per employee ($millions) | 3.9667% | 4,013 |
| Cash dividends to net income (ytd only)* | 68.4885% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 1,696 |
| Loan loss allowance to noncurrent loans | 121.2353% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 2,456 |
| Noncurrent loans to loans | 1.5841% | 2,441 |
| Net loans and leases to total assets | 65.4393% | 2,646 |
| Net loans and leases to deposits | 82.5909% | 1,994 |
| Net loans and leases to core deposits | 87.8883% | 2,108 |
| Total domestic deposits to total assets | 79.2330% | 5,648 |
| Equity capital to assets | 13.7191% | 1,028 |
| Core capital (leverage) ratio | 10.7240% | 2,676 |
| Tier 1 risk-based capital ratio | 13.5538% | 4,647 |
| Total risk-based capital ratio | 14.8083% | 4,583 |
| Memoranda: | ||
| Average total assets | $5,423,902,500 | 175 |
| Average earning assets | $4,725,068,000 | 176 |
| Average equity | $739,507,500 | 161 |
| Average total loans | $3,630,476,500 | 175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 2,962 |
| Cost of funding earning assets | 0.3283% | 5,341 |
| Net interest margin | 3.9709% | 2,036 |
| Noninterest income to average assets | 0.9697% | 1,463 |
| Noninterest expense to average assets | 2.8559% | 3,512 |
| Loan and lease loss provision to assets | 0.1472% | 2,445 |
| Net operating income to assets | 1.0791% | 2,002 |
| Return on assets (ROA) | 1.0870% | 2,049 |
| Pretax return on assets | 1.4706% | 1,549 |
| Return on Equity (ROE) | 7.6239% | 3,232 |
| Retained earnings to average equity (ytd only) | -2.1609% | 6,193 |
| Net charge-offs to loans | 0.2656% | 2,369 |
| Credit loss provision to net charge-offs | 81.6306% | 3,000 |
| Earnings coverage of net charge-offs (x) | 8.9107% | 2,582 |
| Efficiency ratio | 63.2884% | 5,012 |
| Assets per employee ($millions) | 3.8723% | 4,113 |
| Cash dividends to net income (ytd only)* | 128.3436% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 1,867 |
| Loan loss allowance to noncurrent loans | 117.5197% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 2,519 |
| Noncurrent loans to loans | 1.5876% | 2,518 |
| Net loans and leases to total assets | 65.8966% | 2,704 |
| Net loans and leases to deposits | 84.0637% | 1,933 |
| Net loans and leases to core deposits | 86.9840% | 2,351 |
| Total domestic deposits to total assets | 78.3888% | 5,767 |
| Equity capital to assets | 13.5491% | 1,049 |
| Core capital (leverage) ratio | 11.5847% | 1,900 |
| Tier 1 risk-based capital ratio | 13.3029% | 4,786 |
| Total risk-based capital ratio | 14.5567% | 4,724 |
| Memoranda: | ||
| Average total assets | $4,515,662,600 | 191 |
| Average earning assets | $3,972,465,400 | 193 |
| Average equity | $643,859,800 | 166 |
| Average total loans | $3,066,745,200 | 184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,582 |
| Cost of funding earning assets | 0.3454% | 5,339 |
| Net interest margin | 4.0589% | 1,762 |
| Noninterest income to average assets | 0.9649% | 1,564 |
| Noninterest expense to average assets | 2.8555% | 3,462 |
| Loan and lease loss provision to assets | 0.1750% | 2,082 |
| Net operating income to assets | 1.1112% | 1,965 |
| Return on assets (ROA) | 1.1222% | 1,996 |
| Pretax return on assets | 1.5322% | 1,518 |
| Return on Equity (ROE) | 7.7491% | 3,258 |
| Retained earnings to average equity (ytd only) | 0.0238% | 5,924 |
| Net charge-offs to loans | 0.4001% | 1,603 |
| Credit loss provision to net charge-offs | 64.1897% | 3,199 |
| Earnings coverage of net charge-offs (x) | 6.2054% | 3,015 |
| Efficiency ratio | 62.1228% | 5,121 |
| Assets per employee ($millions) | 3.7860% | 4,278 |
| Cash dividends to net income (ytd only)* | 99.6926% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2596% | 1,237 |
| Loan loss allowance to noncurrent loans | 184.8335% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1103% | 3,433 |
| Noncurrent loans to loans | 1.2225% | 3,361 |
| Net loans and leases to total assets | 66.4276% | 2,569 |
| Net loans and leases to deposits | 87.6489% | 1,408 |
| Net loans and leases to core deposits | 91.5872% | 1,806 |
| Total domestic deposits to total assets | 75.7883% | 6,196 |
| Equity capital to assets | 14.1936% | 907 |
| Core capital (leverage) ratio | 11.6237% | 1,925 |
| Tier 1 risk-based capital ratio | 14.4397% | 4,112 |
| Total risk-based capital ratio | 15.6978% | 4,072 |
| Memoranda: | ||
| Average total assets | $4,290,232,750 | 196 |
| Average earning assets | $3,786,813,750 | 194 |
| Average equity | $621,322,750 | 167 |
| Average total loans | $2,923,996,500 | 186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,352 |
| Cost of funding earning assets | 0.3608% | 5,309 |
| Net interest margin | 4.0975% | 1,549 |
| Noninterest income to average assets | 1.0151% | 1,491 |
| Noninterest expense to average assets | 2.8507% | 3,513 |
| Loan and lease loss provision to assets | 0.1914% | 1,979 |
| Net operating income to assets | 1.1321% | 1,807 |
| Return on assets (ROA) | 1.1482% | 1,866 |
| Pretax return on assets | 1.6168% | 1,314 |
| Return on Equity (ROE) | 7.8759% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.3526% | 3,503 |
| Net charge-offs to loans | 0.3603% | 1,762 |
| Credit loss provision to net charge-offs | 77.8833% | 2,670 |
| Earnings coverage of net charge-offs (x) | 7.2647% | 2,573 |
| Efficiency ratio | 60.8296% | 5,359 |
| Assets per employee ($millions) | 3.7904% | 4,232 |
| Cash dividends to net income (ytd only)* | 44.7355% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3241% | 1,223 |
| Loan loss allowance to noncurrent loans | 170.3219% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 3,348 |
| Noncurrent loans to loans | 1.3645% | 3,278 |
| Net loans and leases to total assets | 66.2781% | 2,545 |
| Net loans and leases to deposits | 85.3943% | 1,637 |
| Net loans and leases to core deposits | 89.7495% | 1,929 |
| Total domestic deposits to total assets | 77.6142% | 6,049 |
| Equity capital to assets | 14.4818% | 828 |
| Core capital (leverage) ratio | 11.8741% | 1,687 |
| Tier 1 risk-based capital ratio | 14.8968% | 3,843 |
| Total risk-based capital ratio | 16.1559% | 3,805 |
| Memoranda: | ||
| Average total assets | $4,282,882,670 | 194 |
| Average earning assets | $3,784,755,000 | 193 |
| Average equity | $624,407,670 | 166 |
| Average total loans | $2,921,739,000 | 184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 1,675 |
| Cost of funding earning assets | 0.3781% | 5,302 |
| Net interest margin | 4.2716% | 1,025 |
| Noninterest income to average assets | 0.9653% | 1,570 |
| Noninterest expense to average assets | 2.9104% | 3,310 |
| Loan and lease loss provision to assets | 0.1973% | 1,878 |
| Net operating income to assets | 1.1544% | 1,653 |
| Return on assets (ROA) | 1.1709% | 1,721 |
| Pretax return on assets | 1.6512% | 1,188 |
| Return on Equity (ROE) | 8.0044% | 2,971 |
| Retained earnings to average equity (ytd only) | 0.9470% | 5,465 |
| Net charge-offs to loans | 0.4022% | 1,449 |
| Credit loss provision to net charge-offs | 71.7161% | 2,267 |
| Earnings coverage of net charge-offs (x) | 6.6349% | 2,190 |
| Efficiency ratio | 60.8062% | 5,478 |
| Assets per employee ($millions) | 3.7980% | 4,354 |
| Cash dividends to net income (ytd only)* | 88.1693% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 1,320 |
| Loan loss allowance to noncurrent loans | 143.6232% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 3,107 |
| Noncurrent loans to loans | 1.6421% | 3,078 |
| Net loans and leases to total assets | 66.9455% | 2,210 |
| Net loans and leases to deposits | 85.1011% | 1,458 |
| Net loans and leases to core deposits | 89.8179% | 1,714 |
| Total domestic deposits to total assets | 78.6659% | 6,022 |
| Equity capital to assets | 14.7090% | 823 |
| Core capital (leverage) ratio | 11.7508% | 1,708 |
| Tier 1 risk-based capital ratio | 14.9617% | 3,866 |
| Total risk-based capital ratio | 16.2216% | 3,818 |
| Memoranda: | ||
| Average total assets | $4,261,914,000 | 198 |
| Average earning assets | $3,761,800,000 | 197 |
| Average equity | $623,456,500 | 171 |
| Average total loans | $2,915,303,000 | 187 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 2,519 |
| Cost of funding earning assets | 0.5099% | 5,152 |
| Net interest margin | 4.2095% | 1,635 |
| Noninterest income to average assets | 1.2196% | 1,048 |
| Noninterest expense to average assets | 2.9011% | 3,633 |
| Loan and lease loss provision to assets | 0.4391% | 1,448 |
| Net operating income to assets | 1.1625% | 1,722 |
| Return on assets (ROA) | 1.2038% | 1,759 |
| Pretax return on assets | 1.6518% | 1,259 |
| Return on Equity (ROE) | 8.2995% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.3997% | 3,834 |
| Net charge-offs to loans | 0.7092% | 1,665 |
| Credit loss provision to net charge-offs | 92.3652% | 3,374 |
| Earnings coverage of net charge-offs (x) | 4.2794% | 3,422 |
| Efficiency ratio | 57.9585% | 5,837 |
| Assets per employee ($millions) | 3.8992% | 4,154 |
| Cash dividends to net income (ytd only)* | 59.0377% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3719% | 1,279 |
| Loan loss allowance to noncurrent loans | 125.1281% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.6032% | 2,987 |
| Noncurrent loans to loans | 1.8956% | 2,811 |
| Net loans and leases to total assets | 66.6277% | 2,431 |
| Net loans and leases to deposits | 84.4907% | 1,698 |
| Net loans and leases to core deposits | 89.3322% | 1,922 |
| Total domestic deposits to total assets | 78.8580% | 5,916 |
| Equity capital to assets | 14.5490% | 856 |
| Core capital (leverage) ratio | 11.5012% | 1,875 |
| Tier 1 risk-based capital ratio | 14.7536% | 3,864 |
| Total risk-based capital ratio | 16.0138% | 3,808 |
| Memoranda: | ||
| Average total assets | $4,221,209,400 | 198 |
| Average earning assets | $3,726,145,600 | 195 |
| Average equity | $612,262,400 | 170 |
| Average total loans | $2,829,572,400 | 186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 2,521 |
| Cost of funding earning assets | 0.5395% | 5,169 |
| Net interest margin | 4.2272% | 1,654 |
| Noninterest income to average assets | 1.2595% | 945 |
| Noninterest expense to average assets | 2.8992% | 3,601 |
| Loan and lease loss provision to assets | 0.4448% | 1,417 |
| Net operating income to assets | 1.1938% | 1,767 |
| Return on assets (ROA) | 1.2425% | 1,767 |
| Pretax return on assets | 1.7198% | 1,218 |
| Return on Equity (ROE) | 8.5732% | 3,006 |
| Retained earnings to average equity (ytd only) | 2.5572% | 5,035 |
| Net charge-offs to loans | 0.7334% | 1,511 |
| Credit loss provision to net charge-offs | 90.8967% | 3,270 |
| Earnings coverage of net charge-offs (x) | 4.2852% | 3,349 |
| Efficiency ratio | 57.2138% | 5,894 |
| Assets per employee ($millions) | 3.9315% | 4,012 |
| Cash dividends to net income (ytd only)* | 70.1728% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4264% | 1,307 |
| Loan loss allowance to noncurrent loans | 117.8387% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 3,025 |
| Noncurrent loans to loans | 2.0591% | 2,783 |
| Net loans and leases to total assets | 66.0609% | 2,639 |
| Net loans and leases to deposits | 86.5661% | 1,536 |
| Net loans and leases to core deposits | 91.6534% | 1,815 |
| Total domestic deposits to total assets | 76.3127% | 6,341 |
| Equity capital to assets | 14.5729% | 945 |
| Core capital (leverage) ratio | 11.4916% | 1,994 |
| Tier 1 risk-based capital ratio | 15.0443% | 3,817 |
| Total risk-based capital ratio | 16.3067% | 3,760 |
| Memoranda: | ||
| Average total assets | $4,205,207,000 | 198 |
| Average earning assets | $3,717,272,000 | 199 |
| Average equity | $609,464,250 | 172 |
| Average total loans | $2,805,838,250 | 190 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 2,811 |
| Cost of funding earning assets | 0.5815% | 5,062 |
| Net interest margin | 4.1457% | 1,925 |
| Noninterest income to average assets | 1.3726% | 763 |
| Noninterest expense to average assets | 2.8915% | 3,655 |
| Loan and lease loss provision to assets | 0.4489% | 1,434 |
| Net operating income to assets | 1.2167% | 1,655 |
| Return on assets (ROA) | 1.2610% | 1,709 |
| Pretax return on assets | 1.7536% | 1,131 |
| Return on Equity (ROE) | 8.7168% | 2,930 |
| Retained earnings to average equity (ytd only) | 0.4813% | 5,878 |
| Net charge-offs to loans | 0.7303% | 1,513 |
| Credit loss provision to net charge-offs | 92.5799% | 2,966 |
| Earnings coverage of net charge-offs (x) | 4.4155% | 3,093 |
| Efficiency ratio | 56.6488% | 6,047 |
| Assets per employee ($millions) | 3.8726% | 4,142 |
| Cash dividends to net income (ytd only)* | 94.4787% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4936% | 1,293 |
| Loan loss allowance to noncurrent loans | 109.9558% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 2,967 |
| Noncurrent loans to loans | 2.2678% | 2,655 |
| Net loans and leases to total assets | 65.0960% | 2,829 |
| Net loans and leases to deposits | 82.4389% | 2,058 |
| Net loans and leases to core deposits | 87.6435% | 2,245 |
| Total domestic deposits to total assets | 78.9627% | 5,970 |
| Equity capital to assets | 14.3465% | 960 |
| Core capital (leverage) ratio | 11.1145% | 2,190 |
| Tier 1 risk-based capital ratio | 15.0220% | 3,759 |
| Total risk-based capital ratio | 16.2779% | 3,708 |
| Memoranda: | ||
| Average total assets | $4,196,859,670 | 193 |
| Average earning assets | $3,705,141,000 | 196 |
| Average equity | $607,128,330 | 169 |
| Average total loans | $2,786,439,330 | 189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 3,050 |
| Cost of funding earning assets | 0.6470% | 4,753 |
| Net interest margin | 4.0546% | 2,277 |
| Noninterest income to average assets | 1.7872% | 483 |
| Noninterest expense to average assets | 2.8789% | 3,709 |
| Loan and lease loss provision to assets | 0.4656% | 1,320 |
| Net operating income to assets | 1.4456% | 1,129 |
| Return on assets (ROA) | 1.4999% | 1,142 |
| Pretax return on assets | 2.0956% | 642 |
| Return on Equity (ROE) | 10.3252% | 2,292 |
| Retained earnings to average equity (ytd only) | 8.6817% | 1,706 |
| Net charge-offs to loans | 0.7795% | 1,316 |
| Credit loss provision to net charge-offs | 90.2110% | 2,539 |
| Earnings coverage of net charge-offs (x) | 4.8168% | 2,499 |
| Efficiency ratio | 52.9123% | 6,446 |
| Assets per employee ($millions) | 3.8951% | 4,210 |
| Cash dividends to net income (ytd only)* | 15.9175% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4997% | 1,358 |
| Loan loss allowance to noncurrent loans | 94.1908% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 2,741 |
| Noncurrent loans to loans | 2.6538% | 2,450 |
| Net loans and leases to total assets | 65.0070% | 2,646 |
| Net loans and leases to deposits | 83.1989% | 1,769 |
| Net loans and leases to core deposits | 89.4065% | 1,913 |
| Total domestic deposits to total assets | 78.1344% | 6,245 |
| Equity capital to assets | 14.5646% | 847 |
| Core capital (leverage) ratio | 11.4545% | 1,924 |
| Tier 1 risk-based capital ratio | 15.2542% | 3,584 |
| Total risk-based capital ratio | 16.5105% | 3,546 |
| Memoranda: | ||
| Average total assets | $4,188,577,500 | 191 |
| Average earning assets | $3,695,654,500 | 196 |
| Average equity | $608,452,500 | 167 |
| Average total loans | $2,773,203,000 | 188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 2,964 |
| Cost of funding earning assets | 0.8344% | 4,592 |
| Net interest margin | 4.1461% | 2,244 |
| Noninterest income to average assets | 0.8492% | 1,848 |
| Noninterest expense to average assets | 2.9030% | 3,945 |
| Loan and lease loss provision to assets | 0.5502% | 1,896 |
| Net operating income to assets | 0.7819% | 3,128 |
| Return on assets (ROA) | 0.8186% | 3,126 |
| Pretax return on assets | 1.1074% | 2,810 |
| Return on Equity (ROE) | 5.8090% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.3777% | 2,389 |
| Net charge-offs to loans | 1.2568% | 1,328 |
| Credit loss provision to net charge-offs | 65.1992% | 5,022 |
| Earnings coverage of net charge-offs (x) | 1.9056% | 4,345 |
| Efficiency ratio | 62.5458% | 5,375 |
| Assets per employee ($millions) | 3.8153% | 4,286 |
| Cash dividends to net income (ytd only)* | 7.4246% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5958% | 1,200 |
| Loan loss allowance to noncurrent loans | 101.0346% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 2.0809% | 2,864 |
| Noncurrent loans to loans | 2.5692% | 2,555 |
| Net loans and leases to total assets | 64.0299% | 3,187 |
| Net loans and leases to deposits | 84.3300% | 1,877 |
| Net loans and leases to core deposits | 89.5337% | 2,190 |
| Total domestic deposits to total assets | 75.9278% | 6,494 |
| Equity capital to assets | 14.4877% | 903 |
| Core capital (leverage) ratio | 10.9646% | 2,299 |
| Tier 1 risk-based capital ratio | 15.0040% | 3,639 |
| Total risk-based capital ratio | 16.2595% | 3,593 |
| Memoranda: | ||
| Average total assets | $4,113,300,200 | 192 |
| Average earning assets | $3,632,856,200 | 193 |
| Average equity | $579,648,200 | 173 |
| Average total loans | $2,761,746,600 | 184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0326% | 2,924 |
| Cost of funding earning assets | 0.8734% | 4,616 |
| Net interest margin | 4.1592% | 2,245 |
| Noninterest income to average assets | 0.8011% | 2,055 |
| Noninterest expense to average assets | 2.9085% | 3,896 |
| Loan and lease loss provision to assets | 0.5451% | 1,805 |
| Net operating income to assets | 0.7551% | 3,363 |
| Return on assets (ROA) | 0.7972% | 3,342 |
| Pretax return on assets | 1.0812% | 3,093 |
| Return on Equity (ROE) | 5.6976% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,745 |
| Net charge-offs to loans | 1.2844% | 1,207 |
| Credit loss provision to net charge-offs | 62.8795% | 4,708 |
| Earnings coverage of net charge-offs (x) | 1.8104% | 4,304 |
| Efficiency ratio | 62.9090% | 5,257 |
| Assets per employee ($millions) | 3.7554% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 1,151 |
| Loan loss allowance to noncurrent loans | 90.7436% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4418% | 2,639 |
| Noncurrent loans to loans | 2.9549% | 2,354 |
| Net loans and leases to total assets | 64.7906% | 3,149 |
| Net loans and leases to deposits | 86.0638% | 1,684 |
| Net loans and leases to core deposits | 92.2384% | 1,975 |
| Total domestic deposits to total assets | 75.2821% | 6,609 |
| Equity capital to assets | 14.5238% | 984 |
| Core capital (leverage) ratio | 11.0091% | 2,377 |
| Tier 1 risk-based capital ratio | 14.7008% | 3,836 |
| Total risk-based capital ratio | 15.9585% | 3,810 |
| Memoranda: | ||
| Average total assets | $4,102,899,250 | 192 |
| Average earning assets | $3,627,098,750 | 194 |
| Average equity | $574,073,000 | 175 |
| Average total loans | $2,769,363,500 | 185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 2,894 |
| Cost of funding earning assets | 0.9157% | 4,545 |
| Net interest margin | 4.1403% | 2,264 |
| Noninterest income to average assets | 0.7108% | 2,492 |
| Noninterest expense to average assets | 2.8762% | 4,122 |
| Loan and lease loss provision to assets | 0.5465% | 1,778 |
| Net operating income to assets | 0.7125% | 3,480 |
| Return on assets (ROA) | 0.7449% | 3,436 |
| Pretax return on assets | 0.9972% | 3,252 |
| Return on Equity (ROE) | 5.3922% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.3922% | 2,741 |
| Net charge-offs to loans | 1.2258% | 1,280 |
| Credit loss provision to net charge-offs | 65.7505% | 4,184 |
| Earnings coverage of net charge-offs (x) | 1.8053% | 3,962 |
| Efficiency ratio | 63.3746% | 5,351 |
| Assets per employee ($millions) | 3.6502% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8266% | 1,054 |
| Loan loss allowance to noncurrent loans | 87.8408% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 2.5345% | 2,636 |
| Noncurrent loans to loans | 3.2178% | 2,225 |
| Net loans and leases to total assets | 65.0949% | 3,235 |
| Net loans and leases to deposits | 83.6819% | 2,155 |
| Net loans and leases to core deposits | 89.5833% | 2,427 |
| Total domestic deposits to total assets | 77.7885% | 6,331 |
| Equity capital to assets | 14.1693% | 1,039 |
| Core capital (leverage) ratio | 10.5725% | 2,645 |
| Tier 1 risk-based capital ratio | 14.2886% | 3,948 |
| Total risk-based capital ratio | 15.5481% | 3,914 |
| Memoranda: | ||
| Average total assets | $4,106,075,330 | 196 |
| Average earning assets | $3,635,527,000 | 196 |
| Average equity | $567,259,330 | 180 |
| Average total loans | $2,784,086,330 | 187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 2,786 |
| Cost of funding earning assets | 0.9672% | 4,451 |
| Net interest margin | 4.1005% | 2,267 |
| Noninterest income to average assets | 0.7058% | 2,545 |
| Noninterest expense to average assets | 2.8146% | 4,384 |
| Loan and lease loss provision to assets | 0.5428% | 1,599 |
| Net operating income to assets | 0.7200% | 3,435 |
| Return on assets (ROA) | 0.7245% | 3,468 |
| Pretax return on assets | 0.9876% | 3,170 |
| Return on Equity (ROE) | 5.3112% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.3112% | 3,000 |
| Net charge-offs to loans | 1.0862% | 1,269 |
| Credit loss provision to net charge-offs | 73.2678% | 3,295 |
| Earnings coverage of net charge-offs (x) | 2.0575% | 3,267 |
| Efficiency ratio | 62.5145% | 5,593 |
| Assets per employee ($millions) | 3.6810% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9258% | 980 |
| Loan loss allowance to noncurrent loans | 91.4903% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 2.5756% | 2,655 |
| Noncurrent loans to loans | 3.1980% | 2,345 |
| Net loans and leases to total assets | 65.5444% | 3,125 |
| Net loans and leases to deposits | 84.4098% | 1,967 |
| Net loans and leases to core deposits | 90.4135% | 2,304 |
| Total domestic deposits to total assets | 77.6502% | 6,423 |
| Equity capital to assets | 13.8573% | 1,042 |
| Core capital (leverage) ratio | 10.3484% | 2,760 |
| Tier 1 risk-based capital ratio | 13.7652% | 4,235 |
| Total risk-based capital ratio | 15.0339% | 4,204 |
| Memoranda: | ||
| Average total assets | $4,122,289,500 | 193 |
| Average earning assets | $3,652,456,500 | 195 |
| Average equity | $562,284,500 | 179 |
| Average total loans | $2,811,695,500 | 184 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 3,088 |
| Cost of funding earning assets | 1.3172% | 3,771 |
| Net interest margin | 3.9919% | 3,054 |
| Noninterest income to average assets | 0.7812% | 2,372 |
| Noninterest expense to average assets | 2.7672% | 4,719 |
| Loan and lease loss provision to assets | 1.0896% | 1,471 |
| Net operating income to assets | 0.3920% | 4,577 |
| Return on assets (ROA) | 0.4312% | 4,553 |
| Pretax return on assets | 0.4796% | 4,691 |
| Return on Equity (ROE) | 3.3055% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.8923% | 3,832 |
| Net charge-offs to loans | 1.8229% | 1,154 |
| Credit loss provision to net charge-offs | 83.5469% | 5,404 |
| Earnings coverage of net charge-offs (x) | 1.1698% | 4,938 |
| Efficiency ratio | 61.9884% | 5,735 |
| Assets per employee ($millions) | 5.5155% | 1,566 |
| Cash dividends to net income (ytd only)* | 12.5020% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9042% | 950 |
| Loan loss allowance to noncurrent loans | 90.2699% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 2.7208% | 2,565 |
| Noncurrent loans to loans | 3.2172% | 2,360 |
| Net loans and leases to total assets | 66.8853% | 3,250 |
| Net loans and leases to deposits | 84.0183% | 2,444 |
| Net loans and leases to core deposits | 90.3115% | 2,726 |
| Total domestic deposits to total assets | 79.6080% | 5,934 |
| Equity capital to assets | 13.4256% | 1,204 |
| Core capital (leverage) ratio | 10.1395% | 2,936 |
| Tier 1 risk-based capital ratio | 13.6365% | 4,105 |
| Total risk-based capital ratio | 14.8914% | 4,074 |
| Memoranda: | ||
| Average total assets | $4,266,016,400 | 193 |
| Average earning assets | $3,752,745,000 | 194 |
| Average equity | $556,555,200 | 177 |
| Average total loans | $3,052,172,600 | 177 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3483% | 3,128 |
| Cost of funding earning assets | 1.3735% | 3,752 |
| Net interest margin | 3.9748% | 3,211 |
| Noninterest income to average assets | 0.8065% | 2,201 |
| Noninterest expense to average assets | 2.7493% | 4,687 |
| Loan and lease loss provision to assets | 1.2231% | 1,162 |
| Net operating income to assets | 0.3325% | 5,035 |
| Return on assets (ROA) | 0.3498% | 5,143 |
| Pretax return on assets | 0.3431% | 5,393 |
| Return on Equity (ROE) | 2.7005% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.1494% | 4,889 |
| Net charge-offs to loans | 2.0585% | 907 |
| Credit loss provision to net charge-offs | 82.3064% | 5,060 |
| Earnings coverage of net charge-offs (x) | 1.0423% | 5,018 |
| Efficiency ratio | 61.4979% | 5,703 |
| Assets per employee ($millions) | 5.5604% | 1,576 |
| Cash dividends to net income (ytd only)* | 20.4064% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8565% | 950 |
| Loan loss allowance to noncurrent loans | 80.5066% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 3.0206% | 2,404 |
| Noncurrent loans to loans | 3.5482% | 2,213 |
| Net loans and leases to total assets | 68.4972% | 3,100 |
| Net loans and leases to deposits | 86.4128% | 2,254 |
| Net loans and leases to core deposits | 93.8449% | 2,544 |
| Total domestic deposits to total assets | 79.2674% | 5,941 |
| Equity capital to assets | 13.4251% | 1,380 |
| Core capital (leverage) ratio | 10.0421% | 3,211 |
| Tier 1 risk-based capital ratio | 13.2089% | 4,417 |
| Total risk-based capital ratio | 14.4489% | 4,404 |
| Memoranda: | ||
| Average total assets | $4,295,606,000 | 190 |
| Average earning assets | $3,773,516,500 | 190 |
| Average equity | $556,482,250 | 175 |
| Average total loans | $3,100,927,750 | 175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 3,181 |
| Cost of funding earning assets | 1.4281% | 3,687 |
| Net interest margin | 3.9284% | 3,324 |
| Noninterest income to average assets | 0.5932% | 3,390 |
| Noninterest expense to average assets | 2.5782% | 5,415 |
| Loan and lease loss provision to assets | 1.3378% | 1,015 |
| Net operating income to assets | 0.2050% | 5,543 |
| Return on assets (ROA) | 0.2610% | 5,476 |
| Pretax return on assets | 0.1983% | 5,772 |
| Return on Equity (ROE) | 2.1187% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.1187% | 4,798 |
| Net charge-offs to loans | 2.1559% | 834 |
| Credit loss provision to net charge-offs | 84.8407% | 4,572 |
| Earnings coverage of net charge-offs (x) | 0.9386% | 4,840 |
| Efficiency ratio | 60.9000% | 5,878 |
| Assets per employee ($millions) | 5.9409% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8431% | 963 |
| Loan loss allowance to noncurrent loans | 69.7199% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 3.4835% | 2,014 |
| Noncurrent loans to loans | 4.0779% | 1,853 |
| Net loans and leases to total assets | 71.4652% | 2,545 |
| Net loans and leases to deposits | 89.7670% | 1,902 |
| Net loans and leases to core deposits | 93.0633% | 2,838 |
| Total domestic deposits to total assets | 79.6118% | 5,854 |
| Equity capital to assets | 12.9675% | 1,583 |
| Core capital (leverage) ratio | 9.4086% | 3,949 |
| Tier 1 risk-based capital ratio | 12.1512% | 5,172 |
| Total risk-based capital ratio | 13.4012% | 5,152 |
| Memoranda: | ||
| Average total assets | $4,317,996,670 | 189 |
| Average earning assets | $3,808,729,000 | 190 |
| Average equity | $532,020,670 | 178 |
| Average total loans | $3,158,319,000 | 172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 3,490 |
| Cost of funding earning assets | 1.4576% | 3,822 |
| Net interest margin | 3.8528% | 3,551 |
| Noninterest income to average assets | 0.5553% | 3,609 |
| Noninterest expense to average assets | 2.5670% | 5,488 |
| Loan and lease loss provision to assets | 1.2615% | 964 |
| Net operating income to assets | 0.1801% | 5,755 |
| Return on assets (ROA) | 0.3033% | 5,416 |
| Pretax return on assets | 0.2556% | 5,734 |
| Return on Equity (ROE) | 2.5239% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.5239% | 4,618 |
| Net charge-offs to loans | 2.1736% | 783 |
| Credit loss provision to net charge-offs | 79.5606% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.8791% | 4,260 |
| Efficiency ratio | 62.1443% | 5,805 |
| Assets per employee ($millions) | 6.1210% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8223% | 960 |
| Loan loss allowance to noncurrent loans | 70.5772% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 3.3079% | 2,170 |
| Noncurrent loans to loans | 3.9988% | 1,960 |
| Net loans and leases to total assets | 70.1717% | 2,891 |
| Net loans and leases to deposits | 88.3247% | 2,172 |
| Net loans and leases to core deposits | 92.2602% | 3,074 |
| Total domestic deposits to total assets | 79.4474% | 5,977 |
| Equity capital to assets | 12.2281% | 1,917 |
| Core capital (leverage) ratio | 9.2258% | 4,179 |
| Tier 1 risk-based capital ratio | 11.8049% | 5,391 |
| Total risk-based capital ratio | 13.0603% | 5,329 |
| Memoranda: | ||
| Average total assets | $4,397,677,500 | 195 |
| Average earning assets | $3,887,292,000 | 194 |
| Average equity | $528,395,500 | 179 |
| Average total loans | $3,208,005,500 | 173 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 4,075 |
| Cost of funding earning assets | 1.7196% | 4,411 |
| Net interest margin | 3.7934% | 3,739 |
| Noninterest income to average assets | 0.5209% | 4,255 |
| Noninterest expense to average assets | 2.5139% | 6,079 |
| Loan and lease loss provision to assets | 2.6105% | 751 |
| Net operating income to assets | -0.6770% | 6,335 |
| Return on assets (ROA) | -0.6180% | 6,285 |
| Pretax return on assets | -1.1429% | 6,504 |
| Return on Equity (ROE) | -5.3902% | 6,248 |
| Retained earnings to average equity (ytd only) | -7.7197% | 6,312 |
| Net charge-offs to loans | 2.3101% | 1,008 |
| Credit loss provision to net charge-offs | 149.6741% | 3,112 |
| Earnings coverage of net charge-offs (x) | 0.7886% | 5,321 |
| Efficiency ratio | 61.9328% | 6,165 |
| Assets per employee ($millions) | 5.8468% | 1,361 |
| Cash dividends to net income (ytd only)* | -43.2182% | 7,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8107% | 924 |
| Loan loss allowance to noncurrent loans | 75.2852% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 3.0848% | 2,250 |
| Noncurrent loans to loans | 3.7335% | 2,015 |
| Net loans and leases to total assets | 71.5980% | 2,861 |
| Net loans and leases to deposits | 89.2048% | 2,357 |
| Net loans and leases to core deposits | 101.6989% | 3,829 |
| Total domestic deposits to total assets | 80.2626% | 5,597 |
| Equity capital to assets | 11.8075% | 2,135 |
| Core capital (leverage) ratio | 8.7439% | 4,851 |
| Tier 1 risk-based capital ratio | 11.1339% | 5,794 |
| Total risk-based capital ratio | 12.4016% | 5,731 |
| Memoranda: | ||
| Average total assets | $4,680,181,200 | 181 |
| Average earning assets | $4,155,878,600 | 182 |
| Average equity | $536,587,000 | 175 |
| Average total loans | $3,533,600,200 | 160 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5417% | 4,204 |
| Cost of funding earning assets | 1.7810% | 4,474 |
| Net interest margin | 3.7606% | 3,814 |
| Noninterest income to average assets | 0.5705% | 3,919 |
| Noninterest expense to average assets | 2.4355% | 6,291 |
| Loan and lease loss provision to assets | 2.7060% | 585 |
| Net operating income to assets | -0.7109% | 6,614 |
| Return on assets (ROA) | -0.6135% | 6,538 |
| Pretax return on assets | -1.0740% | 6,739 |
| Return on Equity (ROE) | -5.3889% | 6,490 |
| Retained earnings to average equity (ytd only) | -5.3909% | 6,300 |
| Net charge-offs to loans | 2.2541% | 843 |
| Credit loss provision to net charge-offs | 158.0941% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.8645% | 5,192 |
| Efficiency ratio | 59.5538% | 6,472 |
| Assets per employee ($millions) | 5.7294% | 1,406 |
| Cash dividends to net income (ytd only)* | -0.0367% | 7,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5386% | 1,024 |
| Loan loss allowance to noncurrent loans | 67.5291% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 3.3936% | 1,967 |
| Noncurrent loans to loans | 3.7592% | 1,982 |
| Net loans and leases to total assets | 75.2498% | 2,175 |
| Net loans and leases to deposits | 94.4484% | 1,799 |
| Net loans and leases to core deposits | 109.7810% | 3,263 |
| Total domestic deposits to total assets | 79.6729% | 5,570 |
| Equity capital to assets | 12.2898% | 2,071 |
| Core capital (leverage) ratio | 8.6784% | 5,165 |
| Tier 1 risk-based capital ratio | 11.0232% | 5,931 |
| Total risk-based capital ratio | 12.2876% | 5,873 |
| Memoranda: | ||
| Average total assets | $4,737,872,500 | 187 |
| Average earning assets | $4,213,966,750 | 189 |
| Average equity | $539,392,500 | 177 |
| Average total loans | $3,597,544,000 | 167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 3,870 |
| Cost of funding earning assets | 1.7980% | 4,771 |
| Net interest margin | 3.8405% | 3,368 |
| Noninterest income to average assets | 0.5835% | 3,809 |
| Noninterest expense to average assets | 2.2033% | 7,046 |
| Loan and lease loss provision to assets | 4.6029% | 241 |
| Net operating income to assets | -1.7493% | 7,344 |
| Return on assets (ROA) | -1.7665% | 7,342 |
| Pretax return on assets | -2.7547% | 7,490 |
| Return on Equity (ROE) | -19.1273% | 7,480 |
| Retained earnings to average equity (ytd only) | -19.1360% | 7,429 |
| Net charge-offs to loans | 4.2740% | 314 |
| Credit loss provision to net charge-offs | 134.7665% | 3,459 |
| Earnings coverage of net charge-offs (x) | 0.5490% | 5,160 |
| Efficiency ratio | 53.2610% | 7,404 |
| Assets per employee ($millions) | 5.8670% | 1,294 |
| Cash dividends to net income (ytd only)* | -0.0451% | 7,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 1,174 |
| Loan loss allowance to noncurrent loans | 59.5897% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 3.7486% | 1,638 |
| Noncurrent loans to loans | 3.7673% | 1,826 |
| Net loans and leases to total assets | 78.5076% | 1,638 |
| Net loans and leases to deposits | 103.9097% | 922 |
| Net loans and leases to core deposits | 122.3352% | 2,180 |
| Total domestic deposits to total assets | 75.5537% | 6,644 |
| Equity capital to assets | 9.0021% | 5,315 |
| Core capital (leverage) ratio | 7.6392% | 6,841 |
| Tier 1 risk-based capital ratio | 9.2826% | 7,555 |
| Total risk-based capital ratio | 10.5437% | 7,530 |
| Memoranda: | ||
| Average total assets | $2,007,506,000 | 372 |
| Average earning assets | $1,826,888,330 | 366 |
| Average equity | $185,399,670 | 386 |
| Average total loans | $1,604,239,670 | 341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 4,242 |
| Cost of funding earning assets | 1.8171% | 5,032 |
| Net interest margin | 3.8023% | 3,433 |
| Noninterest income to average assets | 0.5323% | 4,042 |
| Noninterest expense to average assets | 2.0619% | 7,207 |
| Loan and lease loss provision to assets | 1.7323% | 719 |
| Net operating income to assets | 0.1869% | 5,693 |
| Return on assets (ROA) | 0.3477% | 5,261 |
| Pretax return on assets | 0.3885% | 5,429 |
| Return on Equity (ROE) | 3.7201% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.7201% | 3,835 |
| Net charge-offs to loans | 0.7302% | 1,727 |
| Credit loss provision to net charge-offs | 297.5717% | 1,637 |
| Earnings coverage of net charge-offs (x) | 3.3329% | 3,211 |
| Efficiency ratio | 50.7555% | 7,535 |
| Assets per employee ($millions) | 5.8942% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 1,846 |
| Loan loss allowance to noncurrent loans | 51.9348% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 3.3934% | 1,602 |
| Noncurrent loans to loans | 3.4695% | 1,836 |
| Net loans and leases to total assets | 77.8741% | 1,850 |
| Net loans and leases to deposits | 99.1836% | 1,512 |
| Net loans and leases to core deposits | 117.0409% | 2,678 |
| Total domestic deposits to total assets | 78.5151% | 5,860 |
| Equity capital to assets | 9.5758% | 4,561 |
| Core capital (leverage) ratio | 8.6768% | 5,194 |
| Tier 1 risk-based capital ratio | 10.1458% | 6,762 |
| Total risk-based capital ratio | 11.3959% | 6,673 |
| Memoranda: | ||
| Average total assets | $2,037,341,500 | 372 |
| Average earning assets | $1,859,203,500 | 362 |
| Average equity | $190,426,500 | 379 |
| Average total loans | $1,624,201,000 | 338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3961% | 3,439 |
| Cost of funding earning assets | 2.4013% | 4,714 |
| Net interest margin | 3.9948% | 3,140 |
| Noninterest income to average assets | 0.5642% | 4,115 |
| Noninterest expense to average assets | 2.0658% | 7,310 |
| Loan and lease loss provision to assets | 0.9088% | 1,639 |
| Net operating income to assets | 0.8678% | 3,138 |
| Return on assets (ROA) | 0.8414% | 3,091 |
| Pretax return on assets | 1.1842% | 2,705 |
| Return on Equity (ROE) | 8.8609% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.1178% | 3,913 |
| Net charge-offs to loans | 0.6318% | 1,946 |
| Credit loss provision to net charge-offs | 181.7245% | 2,757 |
| Earnings coverage of net charge-offs (x) | 4.2595% | 4,052 |
| Efficiency ratio | 48.4802% | 7,768 |
| Assets per employee ($millions) | 5.4000% | 1,536 |
| Cash dividends to net income (ytd only)* | 76.0995% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 3,097 |
| Loan loss allowance to noncurrent loans | 57.3098% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.6142% | 1,833 |
| Noncurrent loans to loans | 2.4746% | 2,210 |
| Net loans and leases to total assets | 79.0020% | 1,886 |
| Net loans and leases to deposits | 99.2302% | 1,956 |
| Net loans and leases to core deposits | 120.5805% | 2,631 |
| Total domestic deposits to total assets | 79.6149% | 5,159 |
| Equity capital to assets | 9.1187% | 5,195 |
| Core capital (leverage) ratio | 8.0500% | 6,405 |
| Tier 1 risk-based capital ratio | 9.2699% | 7,553 |
| Total risk-based capital ratio | 10.5211% | 7,482 |
| Memoranda: | ||
| Average total assets | $1,978,124,000 | 366 |
| Average earning assets | $1,798,420,000 | 362 |
| Average equity | $187,836,600 | 391 |
| Average total loans | $1,565,890,800 | 340 |