| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0205% | 3,934 |
| Cost of funding earning assets | 1.4867% | 1,974 |
| Net interest margin | 2.5338% | 4,063 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.5830% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0016% | 2,220 |
| Return on assets (ROA) | 1.0091% | 2,173 |
| Pretax return on assets | 1.2845% | 1,914 |
| Return on Equity (ROE) | 22.4100% | 435 |
| Retained earnings to average equity (ytd only) | 9.0224% | 1,249 |
| Net charge-offs to loans | 0.0315% | 1,666 |
| Credit loss provision to net charge-offs | 224.2184% | 1,142 |
| Earnings coverage of net charge-offs (x) | 69.2217% | 1,101 |
| Efficiency ratio | 55.4322% | 3,555 |
| Assets per employee ($millions) | 11.4314% | 474 |
| Cash dividends to net income (ytd only)* | 59.7437% | 1,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9519% | 3,532 |
| Loan loss allowance to noncurrent loans | 653.6118% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 2,974 |
| Noncurrent loans to loans | 0.1456% | 2,787 |
| Net loans and leases to total assets | 57.6200% | 3,068 |
| Net loans and leases to deposits | 66.4140% | 3,144 |
| Net loans and leases to core deposits | 71.6988% | 3,207 |
| Total domestic deposits to total assets | 86.7600% | 1,766 |
| Equity capital to assets | 5.1029% | 4,396 |
| Core capital (leverage) ratio | 8.0014% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8089% | 1,316 |
| Memoranda: |
| Average total assets | $28,198,137,800 | 74 |
| Average earning assets | $26,711,053,200 | 70 |
| Average equity | $1,269,607,000 | 138 |
| Average total loans | $16,435,442,200 | 80 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9535% | 3,915 |
| Cost of funding earning assets | 1.3455% | 2,013 |
| Net interest margin | 2.6080% | 4,022 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.5621% | 4,270 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0443% | 2,237 |
| Return on assets (ROA) | 1.0442% | 2,224 |
| Pretax return on assets | 1.3381% | 1,935 |
| Return on Equity (ROE) | 23.9900% | 438 |
| Retained earnings to average equity (ytd only) | 9.8765% | 1,437 |
| Net charge-offs to loans | 0.0276% | 1,522 |
| Credit loss provision to net charge-offs | 350.7774% | 791 |
| Earnings coverage of net charge-offs (x) | 84.2813% | 1,019 |
| Efficiency ratio | 53.4893% | 3,629 |
| Assets per employee ($millions) | 11.4112% | 451 |
| Cash dividends to net income (ytd only)* | 58.8278% | 984 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9637% | 3,522 |
| Loan loss allowance to noncurrent loans | 779.0474% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,121 |
| Noncurrent loans to loans | 0.1237% | 2,935 |
| Net loans and leases to total assets | 57.5500% | 3,065 |
| Net loans and leases to deposits | 66.2879% | 3,106 |
| Net loans and leases to core deposits | 71.8495% | 3,110 |
| Total domestic deposits to total assets | 86.8100% | 1,947 |
| Equity capital to assets | 4.2721% | 4,374 |
| Core capital (leverage) ratio | 7.8897% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4849% | 1,428 |
| Memoranda: |
| Average total assets | $28,217,339,500 | 75 |
| Average earning assets | $26,707,996,000 | 70 |
| Average equity | $1,228,260,750 | 144 |
| Average total loans | $16,454,443,250 | 79 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8082% | 4,007 |
| Cost of funding earning assets | 1.1219% | 2,213 |
| Net interest margin | 2.6863% | 3,993 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.5847% | 4,269 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0588% | 2,238 |
| Return on assets (ROA) | 1.0590% | 2,234 |
| Pretax return on assets | 1.3605% | 1,916 |
| Return on Equity (ROE) | 24.1800% | 415 |
| Retained earnings to average equity (ytd only) | 8.8106% | 1,731 |
| Net charge-offs to loans | 0.0255% | 1,376 |
| Credit loss provision to net charge-offs | 513.6342% | 642 |
| Earnings coverage of net charge-offs (x) | 94.0271% | 973 |
| Efficiency ratio | 53.0401% | 3,691 |
| Assets per employee ($millions) | 11.2714% | 473 |
| Cash dividends to net income (ytd only)* | 63.5609% | 892 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9545% | 3,597 |
| Loan loss allowance to noncurrent loans | 583.9518% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,862 |
| Noncurrent loans to loans | 0.1634% | 2,656 |
| Net loans and leases to total assets | 58.2500% | 2,942 |
| Net loans and leases to deposits | 67.2100% | 2,972 |
| Net loans and leases to core deposits | 72.3546% | 2,995 |
| Total domestic deposits to total assets | 86.6700% | 2,033 |
| Equity capital to assets | 4.6039% | 4,433 |
| Core capital (leverage) ratio | 7.7955% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0391% | 1,566 |
| Memoranda: |
| Average total assets | $28,227,918,000 | 73 |
| Average earning assets | $26,748,791,667 | 67 |
| Average equity | $1,236,305,667 | 138 |
| Average total loans | $16,480,043,333 | 77 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6926% | 4,034 |
| Cost of funding earning assets | 0.9787% | 2,119 |
| Net interest margin | 2.7139% | 4,054 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.6212% | 4,282 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9994% | 2,524 |
| Return on assets (ROA) | 0.9986% | 2,499 |
| Pretax return on assets | 1.2819% | 2,223 |
| Return on Equity (ROE) | 23.4000% | 485 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,983 |
| Net charge-offs to loans | 0.0264% | 1,164 |
| Credit loss provision to net charge-offs | 754.1858% | 426 |
| Earnings coverage of net charge-offs (x) | 89.0120% | 847 |
| Efficiency ratio | 54.2034% | 3,582 |
| Assets per employee ($millions) | 11.2314% | 489 |
| Cash dividends to net income (ytd only)* | 77.9302% | 660 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9440% | 3,738 |
| Loan loss allowance to noncurrent loans | 642.1334% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 2,894 |
| Noncurrent loans to loans | 0.1470% | 2,760 |
| Net loans and leases to total assets | 57.0600% | 2,950 |
| Net loans and leases to deposits | 65.4092% | 2,984 |
| Net loans and leases to core deposits | 68.7024% | 3,043 |
| Total domestic deposits to total assets | 87.2300% | 2,180 |
| Equity capital to assets | 4.4737% | 4,497 |
| Core capital (leverage) ratio | 7.6790% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6822% | 1,734 |
| Memoranda: |
| Average total assets | $28,269,490,000 | 78 |
| Average earning assets | $26,825,715,000 | 72 |
| Average equity | $1,206,582,500 | 147 |
| Average total loans | $16,443,376,500 | 78 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1088% | 3,976 |
| Cost of funding earning assets | 0.2036% | 3,731 |
| Net interest margin | 2.9052% | 3,665 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.4788% | 4,443 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3462% | 1,287 |
| Return on assets (ROA) | 1.1538% | 1,893 |
| Pretax return on assets | 1.4720% | 1,532 |
| Return on Equity (ROE) | 24.2900% | 235 |
| Retained earnings to average equity (ytd only) | 7.8497% | 1,901 |
| Net charge-offs to loans | 0.0238% | 1,581 |
| Credit loss provision to net charge-offs | 331.5731% | 864 |
| Earnings coverage of net charge-offs (x) | 139.1681% | 829 |
| Efficiency ratio | 45.6858% | 4,363 |
| Assets per employee ($millions) | 10.6869% | 544 |
| Cash dividends to net income (ytd only)* | 67.6769% | 729 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9755% | 3,491 |
| Loan loss allowance to noncurrent loans | 562.0838% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 2,759 |
| Noncurrent loans to loans | 0.1736% | 2,614 |
| Net loans and leases to total assets | 58.1800% | 2,808 |
| Net loans and leases to deposits | 63.1360% | 3,103 |
| Net loans and leases to core deposits | 64.2838% | 3,247 |
| Total domestic deposits to total assets | 92.1500% | 600 |
| Equity capital to assets | 4.0553% | 4,512 |
| Core capital (leverage) ratio | 7.4027% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2672% | 1,867 |
| Memoranda: |
| Average total assets | $28,493,643,000 | 79 |
| Average earning assets | $27,132,959,200 | 74 |
| Average equity | $1,353,785,000 | 134 |
| Average total loans | $15,117,109,600 | 83 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9545% | 3,971 |
| Cost of funding earning assets | 0.0890% | 4,355 |
| Net interest margin | 2.8655% | 3,581 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.4483% | 4,475 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3399% | 1,238 |
| Return on assets (ROA) | 1.3404% | 1,216 |
| Pretax return on assets | 1.7270% | 857 |
| Return on Equity (ROE) | 27.2400% | 130 |
| Retained earnings to average equity (ytd only) | 10.9404% | 1,067 |
| Net charge-offs to loans | 0.0246% | 1,335 |
| Credit loss provision to net charge-offs | 261.8056% | 878 |
| Earnings coverage of net charge-offs (x) | 138.3099% | 784 |
| Efficiency ratio | 45.1366% | 4,417 |
| Assets per employee ($millions) | 10.9029% | 509 |
| Cash dividends to net income (ytd only)* | 59.8439% | 874 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9787% | 3,582 |
| Loan loss allowance to noncurrent loans | 636.7338% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 3,010 |
| Noncurrent loans to loans | 0.1537% | 2,841 |
| Net loans and leases to total assets | 55.2800% | 2,974 |
| Net loans and leases to deposits | 59.4598% | 3,246 |
| Net loans and leases to core deposits | 60.1023% | 3,378 |
| Total domestic deposits to total assets | 92.9700% | 586 |
| Equity capital to assets | 3.7019% | 4,515 |
| Core capital (leverage) ratio | 7.3538% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3321% | 1,926 |
| Memoranda: |
| Average total assets | $28,673,213,250 | 79 |
| Average earning assets | $27,339,733,250 | 75 |
| Average equity | $1,410,636,000 | 133 |
| Average total loans | $14,816,645,250 | 86 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8066% | 3,962 |
| Cost of funding earning assets | 0.0546% | 4,567 |
| Net interest margin | 2.7520% | 3,570 |
| Noninterest income to average assets | 0.4813% | 2,304 |
| Noninterest expense to average assets | 1.4096% | 4,516 |
| Loan and lease loss provision to assets | 0.0523% | 1,643 |
| Net operating income to assets | 1.2797% | 1,195 |
| Return on assets (ROA) | 1.2806% | 1,179 |
| Pretax return on assets | 1.6497% | 849 |
| Return on Equity (ROE) | 24.0672% | 139 |
| Retained earnings to average equity (ytd only) | 8.0553% | 1,596 |
| Net charge-offs to loans | 0.0221% | 1,286 |
| Credit loss provision to net charge-offs | 469.7500% | 650 |
| Earnings coverage of net charge-offs (x) | 152.8431% | 634 |
| Efficiency ratio | 45.3068% | 4,481 |
| Assets per employee ($millions) | 11.1617% | 469 |
| Cash dividends to net income (ytd only)* | 66.5302% | 905 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0254% | 3,489 |
| Loan loss allowance to noncurrent loans | 705.2722% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,036 |
| Noncurrent loans to loans | 0.1454% | 2,972 |
| Net loans and leases to total assets | 52.8583% | 3,074 |
| Net loans and leases to deposits | 56.0819% | 3,368 |
| Net loans and leases to core deposits | 56.6043% | 3,518 |
| Total domestic deposits to total assets | 94.2519% | 243 |
| Equity capital to assets | 4.2095% | 4,601 |
| Core capital (leverage) ratio | 6.8068% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7732% | 2,170 |
| Memoranda: |
| Average total assets | $28,756,337,333 | 77 |
| Average earning assets | $27,473,205,333 | 76 |
| Average equity | $1,530,107,333 | 125 |
| Average total loans | $14,466,472,333 | 86 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6691% | 4,002 |
| Cost of funding earning assets | 0.0522% | 4,587 |
| Net interest margin | 2.6169% | 3,617 |
| Noninterest income to average assets | 0.4428% | 2,426 |
| Noninterest expense to average assets | 1.4108% | 4,530 |
| Loan and lease loss provision to assets | -0.0524% | 4,517 |
| Net operating income to assets | 1.2335% | 1,161 |
| Return on assets (ROA) | 1.2325% | 1,147 |
| Pretax return on assets | 1.5860% | 849 |
| Return on Equity (ROE) | 20.9864% | 199 |
| Retained earnings to average equity (ytd only) | 6.8069% | 1,955 |
| Net charge-offs to loans | 0.0239% | 1,083 |
| Credit loss provision to net charge-offs | -449.8212% | 3,118 |
| Earnings coverage of net charge-offs (x) | 131.7986% | 579 |
| Efficiency ratio | 47.8831% | 4,407 |
| Assets per employee ($millions) | 11.5033% | 449 |
| Cash dividends to net income (ytd only)* | 67.5653% | 902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0234% | 3,619 |
| Loan loss allowance to noncurrent loans | 1,028.9433% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,356 |
| Noncurrent loans to loans | 0.0995% | 3,345 |
| Net loans and leases to total assets | 49.0287% | 3,276 |
| Net loans and leases to deposits | 52.0429% | 3,566 |
| Net loans and leases to core deposits | 52.5727% | 3,692 |
| Total domestic deposits to total assets | 94.2083% | 97 |
| Equity capital to assets | 5.1113% | 4,712 |
| Core capital (leverage) ratio | 6.8334% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2263% | 2,107 |
| Memoranda: |
| Average total assets | $28,819,567,000 | 80 |
| Average earning assets | $27,563,021,000 | 76 |
| Average equity | $1,692,579,000 | 118 |
| Average total loans | $14,054,689,000 | 88 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7131% | 4,301 |
| Cost of funding earning assets | 0.0706% | 4,586 |
| Net interest margin | 2.6425% | 3,976 |
| Noninterest income to average assets | 0.5308% | 2,435 |
| Noninterest expense to average assets | 1.4142% | 4,614 |
| Loan and lease loss provision to assets | 0.0128% | 2,825 |
| Net operating income to assets | 1.2750% | 1,677 |
| Return on assets (ROA) | 1.2767% | 1,728 |
| Pretax return on assets | 1.6292% | 1,342 |
| Return on Equity (ROE) | 18.3315% | 436 |
| Retained earnings to average equity (ytd only) | 9.9739% | 924 |
| Net charge-offs to loans | 0.0145% | 2,025 |
| Credit loss provision to net charge-offs | 174.4388% | 1,392 |
| Earnings coverage of net charge-offs (x) | 222.8168% | 501 |
| Efficiency ratio | 46.2915% | 4,484 |
| Assets per employee ($millions) | 11.4468% | 452 |
| Cash dividends to net income (ytd only)* | 45.5916% | 1,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0918% | 3,387 |
| Loan loss allowance to noncurrent loans | 881.3869% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,490 |
| Noncurrent loans to loans | 0.1239% | 3,310 |
| Net loans and leases to total assets | 47.4744% | 3,542 |
| Net loans and leases to deposits | 51.2404% | 3,785 |
| Net loans and leases to core deposits | 51.7736% | 3,907 |
| Total domestic deposits to total assets | 92.6503% | 75 |
| Equity capital to assets | 6.6363% | 4,772 |
| Core capital (leverage) ratio | 6.9413% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6812% | 1,983 |
| Memoranda: |
| Average total assets | $26,629,930,200 | 84 |
| Average earning assets | $25,429,687,400 | 80 |
| Average equity | $1,854,593,200 | 119 |
| Average total loans | $13,520,665,000 | 93 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7747% | 4,328 |
| Cost of funding earning assets | 0.0745% | 4,667 |
| Net interest margin | 2.7002% | 3,971 |
| Noninterest income to average assets | 0.5389% | 2,460 |
| Noninterest expense to average assets | 1.4674% | 4,625 |
| Loan and lease loss provision to assets | 0.0435% | 2,124 |
| Net operating income to assets | 1.2557% | 1,967 |
| Return on assets (ROA) | 1.2577% | 2,023 |
| Pretax return on assets | 1.6060% | 1,679 |
| Return on Equity (ROE) | 17.8279% | 646 |
| Retained earnings to average equity (ytd only) | 9.4976% | 1,488 |
| Net charge-offs to loans | 0.0114% | 1,904 |
| Credit loss provision to net charge-offs | 738.8889% | 623 |
| Earnings coverage of net charge-offs (x) | 279.7422% | 455 |
| Efficiency ratio | 47.1050% | 4,434 |
| Assets per employee ($millions) | 10.9247% | 482 |
| Cash dividends to net income (ytd only)* | 46.7265% | 1,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1493% | 3,209 |
| Loan loss allowance to noncurrent loans | 886.5464% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,618 |
| Noncurrent loans to loans | 0.1296% | 3,458 |
| Net loans and leases to total assets | 49.3491% | 3,485 |
| Net loans and leases to deposits | 53.6489% | 3,771 |
| Net loans and leases to core deposits | 54.2577% | 3,901 |
| Total domestic deposits to total assets | 91.9852% | 134 |
| Equity capital to assets | 6.8833% | 4,831 |
| Core capital (leverage) ratio | 7.0106% | 4,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0142% | 1,965 |
| Memoranda: |
| Average total assets | $26,090,218,000 | 85 |
| Average earning assets | $24,883,446,750 | 82 |
| Average equity | $1,840,611,000 | 120 |
| Average total loans | $13,446,291,250 | 93 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7902% | 4,356 |
| Cost of funding earning assets | 0.0791% | 4,704 |
| Net interest margin | 2.7111% | 3,958 |
| Noninterest income to average assets | 0.5281% | 2,498 |
| Noninterest expense to average assets | 1.4837% | 4,634 |
| Loan and lease loss provision to assets | 0.0473% | 2,076 |
| Net operating income to assets | 1.2405% | 2,053 |
| Return on assets (ROA) | 1.2435% | 2,106 |
| Pretax return on assets | 1.5842% | 1,782 |
| Return on Equity (ROE) | 17.4757% | 725 |
| Retained earnings to average equity (ytd only) | 8.7194% | 1,811 |
| Net charge-offs to loans | 0.0188% | 1,566 |
| Credit loss provision to net charge-offs | 482.4464% | 691 |
| Earnings coverage of net charge-offs (x) | 165.9921% | 556 |
| Efficiency ratio | 47.6739% | 4,412 |
| Assets per employee ($millions) | 10.4744% | 530 |
| Cash dividends to net income (ytd only)* | 50.1058% | 1,227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1526% | 3,178 |
| Loan loss allowance to noncurrent loans | 433.1012% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,241 |
| Noncurrent loans to loans | 0.2661% | 2,984 |
| Net loans and leases to total assets | 49.4410% | 3,613 |
| Net loans and leases to deposits | 54.0627% | 3,855 |
| Net loans and leases to core deposits | 54.7166% | 3,981 |
| Total domestic deposits to total assets | 91.4512% | 239 |
| Equity capital to assets | 6.9762% | 4,850 |
| Core capital (leverage) ratio | 7.0358% | 4,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3284% | 1,857 |
| Memoranda: |
| Average total assets | $25,679,380,000 | 86 |
| Average earning assets | $24,468,932,333 | 82 |
| Average equity | $1,827,243,000 | 120 |
| Average total loans | $13,381,626,667 | 91 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7241% | 4,454 |
| Cost of funding earning assets | 0.0864% | 4,717 |
| Net interest margin | 2.6377% | 4,081 |
| Noninterest income to average assets | 0.5096% | 2,566 |
| Noninterest expense to average assets | 1.5002% | 4,649 |
| Loan and lease loss provision to assets | 0.0309% | 2,371 |
| Net operating income to assets | 1.1690% | 2,268 |
| Return on assets (ROA) | 1.1735% | 2,324 |
| Pretax return on assets | 1.4948% | 2,008 |
| Return on Equity (ROE) | 16.3211% | 955 |
| Retained earnings to average equity (ytd only) | 6.9171% | 2,599 |
| Net charge-offs to loans | 0.0192% | 1,351 |
| Credit loss provision to net charge-offs | 301.3975% | 752 |
| Earnings coverage of net charge-offs (x) | 148.3680% | 495 |
| Efficiency ratio | 49.6566% | 4,214 |
| Assets per employee ($millions) | 9.9661% | 600 |
| Cash dividends to net income (ytd only)* | 57.6185% | 946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1094% | 3,386 |
| Loan loss allowance to noncurrent loans | 826.2843% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,780 |
| Noncurrent loans to loans | 0.1343% | 3,640 |
| Net loans and leases to total assets | 51.9028% | 3,456 |
| Net loans and leases to deposits | 56.9791% | 3,721 |
| Net loans and leases to core deposits | 57.7798% | 3,850 |
| Total domestic deposits to total assets | 91.0910% | 371 |
| Equity capital to assets | 6.9485% | 4,858 |
| Core capital (leverage) ratio | 7.2699% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8250% | 1,628 |
| Memoranda: |
| Average total assets | $25,143,261,000 | 88 |
| Average earning assets | $23,931,346,000 | 84 |
| Average equity | $1,807,747,000 | 121 |
| Average total loans | $13,382,194,000 | 92 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2034% | 4,447 |
| Cost of funding earning assets | 0.1749% | 4,663 |
| Net interest margin | 3.0285% | 3,824 |
| Noninterest income to average assets | 0.5682% | 2,341 |
| Noninterest expense to average assets | 1.7332% | 4,569 |
| Loan and lease loss provision to assets | 0.1968% | 1,982 |
| Net operating income to assets | 1.2049% | 1,539 |
| Return on assets (ROA) | 1.2047% | 1,647 |
| Pretax return on assets | 1.5169% | 1,279 |
| Return on Equity (ROE) | 15.1785% | 613 |
| Retained earnings to average equity (ytd only) | 4.8349% | 2,354 |
| Net charge-offs to loans | 0.0254% | 2,530 |
| Credit loss provision to net charge-offs | 1,372.5379% | 610 |
| Earnings coverage of net charge-offs (x) | 119.5502% | 708 |
| Efficiency ratio | 50.2651% | 4,514 |
| Assets per employee ($millions) | 9.2652% | 677 |
| Cash dividends to net income (ytd only)* | 68.1463% | 1,031 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1336% | 3,291 |
| Loan loss allowance to noncurrent loans | 752.6472% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,840 |
| Noncurrent loans to loans | 0.1506% | 3,681 |
| Net loans and leases to total assets | 53.3950% | 3,541 |
| Net loans and leases to deposits | 59.3221% | 3,811 |
| Net loans and leases to core deposits | 60.2723% | 3,930 |
| Total domestic deposits to total assets | 90.0085% | 563 |
| Equity capital to assets | 7.4456% | 4,845 |
| Core capital (leverage) ratio | 7.3765% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1093% | 1,489 |
| Memoranda: |
| Average total assets | $22,096,802,800 | 89 |
| Average earning assets | $21,005,947,400 | 85 |
| Average equity | $1,753,738,600 | 119 |
| Average total loans | $12,456,789,800 | 97 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2796% | 4,501 |
| Cost of funding earning assets | 0.2015% | 4,672 |
| Net interest margin | 3.0781% | 3,790 |
| Noninterest income to average assets | 0.5713% | 2,299 |
| Noninterest expense to average assets | 1.7494% | 4,564 |
| Loan and lease loss provision to assets | 0.2451% | 1,657 |
| Net operating income to assets | 1.1930% | 1,659 |
| Return on assets (ROA) | 1.1926% | 1,785 |
| Pretax return on assets | 1.5029% | 1,443 |
| Return on Equity (ROE) | 14.7674% | 731 |
| Retained earnings to average equity (ytd only) | 3.1521% | 3,453 |
| Net charge-offs to loans | 0.0255% | 2,319 |
| Credit loss provision to net charge-offs | 1,683.7021% | 564 |
| Earnings coverage of net charge-offs (x) | 120.0945% | 697 |
| Efficiency ratio | 49.9982% | 4,493 |
| Assets per employee ($millions) | 8.7335% | 767 |
| Cash dividends to net income (ytd only)* | 78.6547% | 620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1200% | 3,099 |
| Loan loss allowance to noncurrent loans | 779.6600% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 3,972 |
| Noncurrent loans to loans | 0.1437% | 3,809 |
| Net loans and leases to total assets | 55.0240% | 3,707 |
| Net loans and leases to deposits | 61.5880% | 3,953 |
| Net loans and leases to core deposits | 62.6674% | 4,070 |
| Total domestic deposits to total assets | 89.3421% | 635 |
| Equity capital to assets | 7.5326% | 4,851 |
| Core capital (leverage) ratio | 7.4551% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3053% | 1,418 |
| Memoranda: |
| Average total assets | $21,519,888,250 | 90 |
| Average earning assets | $20,460,786,250 | 85 |
| Average equity | $1,737,906,250 | 119 |
| Average total loans | $12,275,945,500 | 99 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4608% | 4,461 |
| Cost of funding earning assets | 0.2470% | 4,630 |
| Net interest margin | 3.2138% | 3,632 |
| Noninterest income to average assets | 0.5724% | 2,245 |
| Noninterest expense to average assets | 1.7935% | 4,567 |
| Loan and lease loss provision to assets | 0.3371% | 1,269 |
| Net operating income to assets | 1.1915% | 1,665 |
| Return on assets (ROA) | 1.1907% | 1,797 |
| Pretax return on assets | 1.4974% | 1,463 |
| Return on Equity (ROE) | 14.3808% | 810 |
| Retained earnings to average equity (ytd only) | 1.7749% | 3,841 |
| Net charge-offs to loans | 0.0239% | 2,237 |
| Credit loss provision to net charge-offs | 2,454.2219% | 413 |
| Earnings coverage of net charge-offs (x) | 133.6462% | 574 |
| Efficiency ratio | 49.4079% | 4,537 |
| Assets per employee ($millions) | 8.2782% | 875 |
| Cash dividends to net income (ytd only)* | 87.6579% | 629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1111% | 2,991 |
| Loan loss allowance to noncurrent loans | 874.8025% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 4,152 |
| Noncurrent loans to loans | 0.1270% | 3,951 |
| Net loans and leases to total assets | 56.4970% | 3,645 |
| Net loans and leases to deposits | 62.7522% | 3,966 |
| Net loans and leases to core deposits | 63.8886% | 4,079 |
| Total domestic deposits to total assets | 90.0320% | 393 |
| Equity capital to assets | 7.7384% | 4,821 |
| Core capital (leverage) ratio | 7.8583% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7054% | 1,314 |
| Memoranda: |
| Average total assets | $20,867,945,667 | 93 |
| Average earning assets | $19,847,264,667 | 86 |
| Average equity | $1,727,768,000 | 119 |
| Average total loans | $12,013,399,000 | 100 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7192% | 4,352 |
| Cost of funding earning assets | 0.3640% | 4,473 |
| Net interest margin | 3.3552% | 3,434 |
| Noninterest income to average assets | 0.6396% | 1,863 |
| Noninterest expense to average assets | 2.0963% | 4,222 |
| Loan and lease loss provision to assets | 0.0645% | 2,955 |
| Net operating income to assets | 1.3250% | 1,173 |
| Return on assets (ROA) | 1.3235% | 1,273 |
| Pretax return on assets | 1.6726% | 903 |
| Return on Equity (ROE) | 15.4200% | 499 |
| Retained earnings to average equity (ytd only) | 1.0800% | 3,722 |
| Net charge-offs to loans | 0.0251% | 1,864 |
| Credit loss provision to net charge-offs | 444.7043% | 944 |
| Earnings coverage of net charge-offs (x) | 119.9092% | 512 |
| Efficiency ratio | 54.6448% | 4,341 |
| Assets per employee ($millions) | 7.2869% | 969 |
| Cash dividends to net income (ytd only)* | 92.9959% | 826 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9565% | 3,907 |
| Loan loss allowance to noncurrent loans | 963.3146% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,272 |
| Noncurrent loans to loans | 0.0993% | 4,111 |
| Net loans and leases to total assets | 57.2074% | 3,734 |
| Net loans and leases to deposits | 63.2209% | 4,023 |
| Net loans and leases to core deposits | 64.9555% | 4,132 |
| Total domestic deposits to total assets | 90.4881% | 197 |
| Equity capital to assets | 8.5672% | 4,805 |
| Core capital (leverage) ratio | 8.4390% | 4,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5681% | 1,452 |
| Memoranda: |
| Average total assets | $20,051,786,000 | 90 |
| Average earning assets | $19,098,297,000 | 85 |
| Average equity | $1,721,066,500 | 120 |
| Average total loans | $11,592,694,500 | 100 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0591% | 4,130 |
| Cost of funding earning assets | 0.4920% | 4,128 |
| Net interest margin | 3.5671% | 3,238 |
| Noninterest income to average assets | 0.6939% | 1,842 |
| Noninterest expense to average assets | 2.0512% | 4,450 |
| Loan and lease loss provision to assets | 0.0653% | 2,716 |
| Net operating income to assets | 1.5645% | 910 |
| Return on assets (ROA) | 1.5651% | 970 |
| Pretax return on assets | 1.9814% | 623 |
| Return on Equity (ROE) | 18.0543% | 336 |
| Retained earnings to average equity (ytd only) | 6.0289% | 1,850 |
| Net charge-offs to loans | 0.0321% | 2,746 |
| Credit loss provision to net charge-offs | 353.0056% | 788 |
| Earnings coverage of net charge-offs (x) | 110.5402% | 627 |
| Efficiency ratio | 50.0496% | 4,730 |
| Assets per employee ($millions) | 7.1418% | 990 |
| Cash dividends to net income (ytd only)* | 66.6071% | 1,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9471% | 3,757 |
| Loan loss allowance to noncurrent loans | 547.0789% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 4,096 |
| Noncurrent loans to loans | 0.1731% | 3,842 |
| Net loans and leases to total assets | 57.3204% | 3,824 |
| Net loans and leases to deposits | 63.3665% | 4,114 |
| Net loans and leases to core deposits | 65.1197% | 4,225 |
| Total domestic deposits to total assets | 90.4586% | 204 |
| Equity capital to assets | 8.5992% | 4,869 |
| Core capital (leverage) ratio | 8.5013% | 4,844 |
| Tier 1 risk-based capital ratio | 15.6215% | 2,536 |
| Total risk-based capital ratio | 16.6883% | 2,531 |
| Memoranda: |
| Average total assets | $19,233,590,000 | 88 |
| Average earning assets | $18,350,500,000 | 83 |
| Average equity | $1,667,295,600 | 120 |
| Average total loans | $11,084,085,600 | 98 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1329% | 4,078 |
| Cost of funding earning assets | 0.5100% | 4,102 |
| Net interest margin | 3.6229% | 3,188 |
| Noninterest income to average assets | 0.6892% | 1,830 |
| Noninterest expense to average assets | 2.0887% | 4,382 |
| Loan and lease loss provision to assets | 0.0522% | 2,862 |
| Net operating income to assets | 1.5787% | 978 |
| Return on assets (ROA) | 1.5794% | 1,029 |
| Pretax return on assets | 2.0074% | 670 |
| Return on Equity (ROE) | 18.1821% | 380 |
| Retained earnings to average equity (ytd only) | 6.7910% | 1,957 |
| Net charge-offs to loans | 0.0251% | 2,596 |
| Credit loss provision to net charge-offs | 360.8801% | 832 |
| Earnings coverage of net charge-offs (x) | 142.3513% | 560 |
| Efficiency ratio | 50.3492% | 4,718 |
| Assets per employee ($millions) | 7.0165% | 1,020 |
| Cash dividends to net income (ytd only)* | 62.6503% | 1,192 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9368% | 3,888 |
| Loan loss allowance to noncurrent loans | 628.6429% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,256 |
| Noncurrent loans to loans | 0.1490% | 4,005 |
| Net loans and leases to total assets | 57.1245% | 3,957 |
| Net loans and leases to deposits | 63.2512% | 4,223 |
| Net loans and leases to core deposits | 64.9672% | 4,329 |
| Total domestic deposits to total assets | 90.3138% | 210 |
| Equity capital to assets | 8.7311% | 4,907 |
| Core capital (leverage) ratio | 8.5846% | 4,900 |
| Tier 1 risk-based capital ratio | 15.8614% | 2,491 |
| Total risk-based capital ratio | 16.9184% | 2,510 |
| Memoranda: |
| Average total assets | $19,065,915,000 | 88 |
| Average earning assets | $18,198,612,250 | 82 |
| Average equity | $1,656,215,750 | 120 |
| Average total loans | $10,975,528,250 | 99 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1570% | 4,033 |
| Cost of funding earning assets | 0.4980% | 4,122 |
| Net interest margin | 3.6590% | 3,074 |
| Noninterest income to average assets | 0.7146% | 1,657 |
| Noninterest expense to average assets | 2.1447% | 4,337 |
| Loan and lease loss provision to assets | 0.0385% | 3,047 |
| Net operating income to assets | 1.5931% | 926 |
| Return on assets (ROA) | 1.5944% | 965 |
| Pretax return on assets | 2.0254% | 649 |
| Return on Equity (ROE) | 18.3861% | 362 |
| Retained earnings to average equity (ytd only) | 9.2396% | 974 |
| Net charge-offs to loans | 0.0298% | 2,261 |
| Credit loss provision to net charge-offs | 224.5831% | 1,115 |
| Earnings coverage of net charge-offs (x) | 120.4571% | 604 |
| Efficiency ratio | 50.9656% | 4,731 |
| Assets per employee ($millions) | 6.9240% | 1,040 |
| Cash dividends to net income (ytd only)* | 49.7466% | 1,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9295% | 3,963 |
| Loan loss allowance to noncurrent loans | 972.1223% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,420 |
| Noncurrent loans to loans | 0.0956% | 4,252 |
| Net loans and leases to total assets | 56.7182% | 4,030 |
| Net loans and leases to deposits | 62.8610% | 4,287 |
| Net loans and leases to core deposits | 64.5198% | 4,390 |
| Total domestic deposits to total assets | 90.2280% | 272 |
| Equity capital to assets | 8.8685% | 4,866 |
| Core capital (leverage) ratio | 8.7166% | 4,829 |
| Tier 1 risk-based capital ratio | 16.0944% | 2,369 |
| Total risk-based capital ratio | 17.1394% | 2,403 |
| Memoranda: |
| Average total assets | $18,912,247,000 | 88 |
| Average earning assets | $18,051,624,330 | 82 |
| Average equity | $1,639,981,000 | 122 |
| Average total loans | $10,880,658,000 | 101 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1445% | 4,018 |
| Cost of funding earning assets | 0.4756% | 4,181 |
| Net interest margin | 3.6690% | 3,011 |
| Noninterest income to average assets | 0.6728% | 1,712 |
| Noninterest expense to average assets | 2.1457% | 4,381 |
| Loan and lease loss provision to assets | 0.0364% | 2,895 |
| Net operating income to assets | 1.5707% | 963 |
| Return on assets (ROA) | 1.5726% | 980 |
| Pretax return on assets | 1.9946% | 648 |
| Return on Equity (ROE) | 18.3482% | 370 |
| Retained earnings to average equity (ytd only) | 1.5697% | 4,179 |
| Net charge-offs to loans | 0.0510% | 1,559 |
| Credit loss provision to net charge-offs | 123.7681% | 1,399 |
| Earnings coverage of net charge-offs (x) | 68.9993% | 855 |
| Efficiency ratio | 51.3892% | 4,738 |
| Assets per employee ($millions) | 6.9870% | 1,004 |
| Cash dividends to net income (ytd only)* | 91.4448% | 729 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9241% | 4,056 |
| Loan loss allowance to noncurrent loans | 1,151.6573% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,549 |
| Noncurrent loans to loans | 0.0802% | 4,404 |
| Net loans and leases to total assets | 56.5413% | 4,024 |
| Net loans and leases to deposits | 62.4509% | 4,277 |
| Net loans and leases to core deposits | 63.3701% | 4,411 |
| Total domestic deposits to total assets | 90.5371% | 273 |
| Equity capital to assets | 8.5223% | 4,974 |
| Core capital (leverage) ratio | 8.5075% | 5,005 |
| Tier 1 risk-based capital ratio | 15.5575% | 2,626 |
| Total risk-based capital ratio | 16.5952% | 2,645 |
| Memoranda: |
| Average total assets | $18,775,227,000 | 90 |
| Average earning assets | $17,918,223,000 | 85 |
| Average equity | $1,609,207,500 | 124 |
| Average total loans | $10,828,874,500 | 102 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9939% | 4,048 |
| Cost of funding earning assets | 0.3459% | 4,305 |
| Net interest margin | 3.6480% | 3,234 |
| Noninterest income to average assets | 0.7406% | 1,689 |
| Noninterest expense to average assets | 2.0648% | 4,623 |
| Loan and lease loss provision to assets | 0.0422% | 3,344 |
| Net operating income to assets | 1.6670% | 741 |
| Return on assets (ROA) | 1.6665% | 739 |
| Pretax return on assets | 2.1093% | 431 |
| Return on Equity (ROE) | 20.0887% | 244 |
| Retained earnings to average equity (ytd only) | 9.7805% | 657 |
| Net charge-offs to loans | 0.0397% | 2,610 |
| Credit loss provision to net charge-offs | 183.5452% | 1,543 |
| Earnings coverage of net charge-offs (x) | 93.5704% | 769 |
| Efficiency ratio | 48.9500% | 5,000 |
| Assets per employee ($millions) | 6.9329% | 1,006 |
| Cash dividends to net income (ytd only)* | 51.3133% | 1,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9274% | 4,057 |
| Loan loss allowance to noncurrent loans | 706.1168% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 4,215 |
| Noncurrent loans to loans | 0.1313% | 4,147 |
| Net loans and leases to total assets | 57.7608% | 3,994 |
| Net loans and leases to deposits | 63.8909% | 4,263 |
| Net loans and leases to core deposits | 64.6096% | 4,427 |
| Total domestic deposits to total assets | 90.4054% | 348 |
| Equity capital to assets | 8.6209% | 4,860 |
| Core capital (leverage) ratio | 8.5156% | 5,024 |
| Tier 1 risk-based capital ratio | 15.6015% | 2,576 |
| Total risk-based capital ratio | 16.6428% | 2,587 |
| Memoranda: |
| Average total assets | $18,125,790,600 | 89 |
| Average earning assets | $17,272,529,200 | 86 |
| Average equity | $1,503,658,000 | 123 |
| Average total loans | $10,508,770,200 | 101 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9396% | 4,106 |
| Cost of funding earning assets | 0.3048% | 4,487 |
| Net interest margin | 3.6348% | 3,252 |
| Noninterest income to average assets | 0.7416% | 1,708 |
| Noninterest expense to average assets | 2.0669% | 4,611 |
| Loan and lease loss provision to assets | 0.0333% | 3,351 |
| Net operating income to assets | 1.6549% | 829 |
| Return on assets (ROA) | 1.6561% | 838 |
| Pretax return on assets | 2.1053% | 476 |
| Return on Equity (ROE) | 20.1667% | 266 |
| Retained earnings to average equity (ytd only) | 6.2090% | 2,544 |
| Net charge-offs to loans | 0.0336% | 2,415 |
| Credit loss provision to net charge-offs | 171.0917% | 1,560 |
| Earnings coverage of net charge-offs (x) | 109.9204% | 706 |
| Efficiency ratio | 49.1519% | 4,988 |
| Assets per employee ($millions) | 6.9361% | 957 |
| Cash dividends to net income (ytd only)* | 69.2116% | 884 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9259% | 4,157 |
| Loan loss allowance to noncurrent loans | 897.9664% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,629 |
| Noncurrent loans to loans | 0.1031% | 4,421 |
| Net loans and leases to total assets | 57.3476% | 4,102 |
| Net loans and leases to deposits | 63.0999% | 4,385 |
| Net loans and leases to core deposits | 63.8123% | 4,531 |
| Total domestic deposits to total assets | 90.8839% | 246 |
| Equity capital to assets | 8.1012% | 5,134 |
| Core capital (leverage) ratio | 8.1684% | 5,266 |
| Tier 1 risk-based capital ratio | 15.0471% | 2,863 |
| Total risk-based capital ratio | 16.0872% | 2,873 |
| Memoranda: |
| Average total assets | $18,029,535,500 | 89 |
| Average earning assets | $17,174,402,000 | 87 |
| Average equity | $1,480,625,000 | 123 |
| Average total loans | $10,437,942,250 | 101 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8926% | 4,092 |
| Cost of funding earning assets | 0.2577% | 4,709 |
| Net interest margin | 3.6349% | 3,182 |
| Noninterest income to average assets | 0.7343% | 1,715 |
| Noninterest expense to average assets | 2.0788% | 4,653 |
| Loan and lease loss provision to assets | 0.0211% | 3,487 |
| Net operating income to assets | 1.6485% | 806 |
| Return on assets (ROA) | 1.6504% | 809 |
| Pretax return on assets | 2.0987% | 491 |
| Return on Equity (ROE) | 20.0044% | 264 |
| Retained earnings to average equity (ytd only) | 5.7961% | 2,669 |
| Net charge-offs to loans | 0.0267% | 2,322 |
| Credit loss provision to net charge-offs | 136.5607% | 1,670 |
| Earnings coverage of net charge-offs (x) | 137.0390% | 556 |
| Efficiency ratio | 49.5262% | 5,048 |
| Assets per employee ($millions) | 7.0331% | 908 |
| Cash dividends to net income (ytd only)* | 71.0261% | 962 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9233% | 4,231 |
| Loan loss allowance to noncurrent loans | 973.4262% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,697 |
| Noncurrent loans to loans | 0.0949% | 4,490 |
| Net loans and leases to total assets | 57.2262% | 4,066 |
| Net loans and leases to deposits | 63.1622% | 4,342 |
| Net loans and leases to core deposits | 63.9136% | 4,494 |
| Total domestic deposits to total assets | 90.6019% | 361 |
| Equity capital to assets | 8.1337% | 5,179 |
| Core capital (leverage) ratio | 8.2010% | 5,260 |
| Tier 1 risk-based capital ratio | 14.9657% | 2,892 |
| Total risk-based capital ratio | 16.0043% | 2,920 |
| Memoranda: |
| Average total assets | $17,914,765,000 | 90 |
| Average earning assets | $17,062,156,330 | 87 |
| Average equity | $1,478,001,670 | 118 |
| Average total loans | $10,372,110,330 | 101 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8379% | 4,115 |
| Cost of funding earning assets | 0.1573% | 5,235 |
| Net interest margin | 3.6805% | 2,881 |
| Noninterest income to average assets | 0.7210% | 1,741 |
| Noninterest expense to average assets | 2.1404% | 4,556 |
| Loan and lease loss provision to assets | -0.0009% | 5,390 |
| Net operating income to assets | 1.6381% | 783 |
| Return on assets (ROA) | 1.6381% | 784 |
| Pretax return on assets | 2.0861% | 482 |
| Return on Equity (ROE) | 19.7126% | 262 |
| Retained earnings to average equity (ytd only) | 11.5851% | 770 |
| Net charge-offs to loans | 0.0077% | 2,467 |
| Credit loss provision to net charge-offs | -21.3198% | 3,580 |
| Earnings coverage of net charge-offs (x) | 470.1624% | 134 |
| Efficiency ratio | 50.6393% | 5,050 |
| Assets per employee ($millions) | 7.1532% | 904 |
| Cash dividends to net income (ytd only)* | 41.2297% | 1,790 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9312% | 4,296 |
| Loan loss allowance to noncurrent loans | 1,035.8272% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 4,787 |
| Noncurrent loans to loans | 0.0899% | 4,575 |
| Net loans and leases to total assets | 56.8709% | 4,038 |
| Net loans and leases to deposits | 62.8136% | 4,284 |
| Net loans and leases to core deposits | 63.6005% | 4,449 |
| Total domestic deposits to total assets | 90.5392% | 460 |
| Equity capital to assets | 8.2585% | 5,130 |
| Core capital (leverage) ratio | 8.3327% | 5,240 |
| Tier 1 risk-based capital ratio | 15.1781% | 2,793 |
| Total risk-based capital ratio | 16.2229% | 2,810 |
| Memoranda: |
| Average total assets | $17,767,762,000 | 91 |
| Average earning assets | $16,918,136,500 | 89 |
| Average equity | $1,476,476,500 | 117 |
| Average total loans | $10,299,520,000 | 101 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6414% | 4,473 |
| Cost of funding earning assets | 0.1004% | 5,496 |
| Net interest margin | 3.5410% | 3,374 |
| Noninterest income to average assets | 0.7418% | 1,801 |
| Noninterest expense to average assets | 2.0434% | 4,889 |
| Loan and lease loss provision to assets | 0.0543% | 3,144 |
| Net operating income to assets | 1.3363% | 1,147 |
| Return on assets (ROA) | 1.3404% | 1,164 |
| Pretax return on assets | 2.0176% | 473 |
| Return on Equity (ROE) | 16.3629% | 442 |
| Retained earnings to average equity (ytd only) | 8.2372% | 682 |
| Net charge-offs to loans | 0.0452% | 2,880 |
| Credit loss provision to net charge-offs | 208.4222% | 1,312 |
| Earnings coverage of net charge-offs (x) | 79.3024% | 777 |
| Efficiency ratio | 49.7155% | 5,233 |
| Assets per employee ($millions) | 7.0888% | 935 |
| Cash dividends to net income (ytd only)* | 49.6597% | 2,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9424% | 4,260 |
| Loan loss allowance to noncurrent loans | 764.4378% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,473 |
| Noncurrent loans to loans | 0.1233% | 4,427 |
| Net loans and leases to total assets | 57.9943% | 4,006 |
| Net loans and leases to deposits | 63.9578% | 4,319 |
| Net loans and leases to core deposits | 64.8599% | 4,479 |
| Total domestic deposits to total assets | 90.6759% | 341 |
| Equity capital to assets | 8.3627% | 5,221 |
| Core capital (leverage) ratio | 8.2275% | 5,337 |
| Tier 1 risk-based capital ratio | 14.9066% | 2,889 |
| Total risk-based capital ratio | 15.9617% | 2,913 |
| Memoranda: |
| Average total assets | $17,276,337,800 | 91 |
| Average earning assets | $16,428,757,400 | 87 |
| Average equity | $1,415,246,200 | 114 |
| Average total loans | $9,958,078,600 | 100 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6110% | 4,531 |
| Cost of funding earning assets | 0.0932% | 5,577 |
| Net interest margin | 3.5177% | 3,435 |
| Noninterest income to average assets | 0.7471% | 1,799 |
| Noninterest expense to average assets | 2.0503% | 4,847 |
| Loan and lease loss provision to assets | 0.0547% | 2,995 |
| Net operating income to assets | 1.3505% | 1,196 |
| Return on assets (ROA) | 1.3550% | 1,212 |
| Pretax return on assets | 1.9938% | 561 |
| Return on Equity (ROE) | 16.6295% | 467 |
| Retained earnings to average equity (ytd only) | 8.5518% | 989 |
| Net charge-offs to loans | 0.0410% | 2,616 |
| Credit loss provision to net charge-offs | 232.0842% | 1,205 |
| Earnings coverage of net charge-offs (x) | 86.6804% | 767 |
| Efficiency ratio | 50.0884% | 5,242 |
| Assets per employee ($millions) | 7.1667% | 881 |
| Cash dividends to net income (ytd only)* | 48.5748% | 1,830 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9413% | 4,373 |
| Loan loss allowance to noncurrent loans | 619.6091% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 4,157 |
| Noncurrent loans to loans | 0.1519% | 4,449 |
| Net loans and leases to total assets | 58.1404% | 4,046 |
| Net loans and leases to deposits | 64.2732% | 4,359 |
| Net loans and leases to core deposits | 65.2526% | 4,532 |
| Total domestic deposits to total assets | 90.4583% | 341 |
| Equity capital to assets | 8.3795% | 5,354 |
| Core capital (leverage) ratio | 8.1644% | 5,441 |
| Tier 1 risk-based capital ratio | 14.5380% | 3,161 |
| Total risk-based capital ratio | 15.5753% | 3,188 |
| Memoranda: |
| Average total assets | $17,218,085,000 | 89 |
| Average earning assets | $16,372,775,750 | 87 |
| Average equity | $1,402,994,250 | 114 |
| Average total loans | $9,884,842,750 | 100 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5475% | 4,640 |
| Cost of funding earning assets | 0.0876% | 5,637 |
| Net interest margin | 3.4599% | 3,545 |
| Noninterest income to average assets | 0.7425% | 1,800 |
| Noninterest expense to average assets | 2.0279% | 4,916 |
| Loan and lease loss provision to assets | 0.0607% | 2,751 |
| Net operating income to assets | 1.3232% | 1,242 |
| Return on assets (ROA) | 1.3298% | 1,240 |
| Pretax return on assets | 1.9531% | 585 |
| Return on Equity (ROE) | 16.4773% | 463 |
| Retained earnings to average equity (ytd only) | 8.5443% | 985 |
| Net charge-offs to loans | 0.0413% | 2,368 |
| Credit loss provision to net charge-offs | 257.7151% | 1,057 |
| Earnings coverage of net charge-offs (x) | 85.1424% | 733 |
| Efficiency ratio | 50.2801% | 5,291 |
| Assets per employee ($millions) | 7.1590% | 863 |
| Cash dividends to net income (ytd only)* | 48.1447% | 1,941 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9527% | 4,404 |
| Loan loss allowance to noncurrent loans | 567.2883% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 4,164 |
| Noncurrent loans to loans | 0.1679% | 4,442 |
| Net loans and leases to total assets | 57.1222% | 4,112 |
| Net loans and leases to deposits | 63.1763% | 4,420 |
| Net loans and leases to core deposits | 64.1785% | 4,589 |
| Total domestic deposits to total assets | 90.4170% | 384 |
| Equity capital to assets | 8.2440% | 5,424 |
| Core capital (leverage) ratio | 8.0267% | 5,514 |
| Tier 1 risk-based capital ratio | 14.3720% | 3,231 |
| Total risk-based capital ratio | 15.4110% | 3,253 |
| Memoranda: |
| Average total assets | $17,181,070,330 | 89 |
| Average earning assets | $16,334,341,330 | 88 |
| Average equity | $1,386,626,330 | 114 |
| Average total loans | $9,789,466,000 | 100 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4649% | 4,787 |
| Cost of funding earning assets | 0.0878% | 5,695 |
| Net interest margin | 3.3771% | 3,727 |
| Noninterest income to average assets | 0.7497% | 1,748 |
| Noninterest expense to average assets | 2.0749% | 4,905 |
| Loan and lease loss provision to assets | 0.0511% | 2,785 |
| Net operating income to assets | 1.2515% | 1,375 |
| Return on assets (ROA) | 1.2648% | 1,371 |
| Pretax return on assets | 1.8517% | 720 |
| Return on Equity (ROE) | 15.8432% | 543 |
| Retained earnings to average equity (ytd only) | 8.5326% | 1,264 |
| Net charge-offs to loans | 0.0465% | 1,919 |
| Credit loss provision to net charge-offs | 194.2376% | 1,026 |
| Earnings coverage of net charge-offs (x) | 71.5160% | 711 |
| Efficiency ratio | 52.4061% | 5,246 |
| Assets per employee ($millions) | 7.2276% | 848 |
| Cash dividends to net income (ytd only)* | 46.1433% | 1,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9490% | 4,557 |
| Loan loss allowance to noncurrent loans | 482.6069% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,189 |
| Noncurrent loans to loans | 0.1966% | 4,418 |
| Net loans and leases to total assets | 56.0400% | 4,162 |
| Net loans and leases to deposits | 61.5459% | 4,463 |
| Net loans and leases to core deposits | 62.4992% | 4,617 |
| Total domestic deposits to total assets | 91.0540% | 287 |
| Equity capital to assets | 8.0127% | 5,515 |
| Core capital (leverage) ratio | 7.8939% | 5,598 |
| Tier 1 risk-based capital ratio | 14.2560% | 3,335 |
| Total risk-based capital ratio | 15.2863% | 3,375 |
| Memoranda: |
| Average total assets | $17,134,313,000 | 89 |
| Average earning assets | $16,278,678,000 | 87 |
| Average equity | $1,367,879,500 | 114 |
| Average total loans | $9,702,935,000 | 98 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4878% | 4,814 |
| Cost of funding earning assets | 0.1144% | 5,636 |
| Net interest margin | 3.3734% | 3,912 |
| Noninterest income to average assets | 0.8402% | 1,615 |
| Noninterest expense to average assets | 2.0684% | 5,059 |
| Loan and lease loss provision to assets | 0.0555% | 3,269 |
| Net operating income to assets | 1.3156% | 1,178 |
| Return on assets (ROA) | 1.3165% | 1,232 |
| Pretax return on assets | 1.9179% | 597 |
| Return on Equity (ROE) | 16.2689% | 483 |
| Retained earnings to average equity (ytd only) | 8.0998% | 825 |
| Net charge-offs to loans | 0.0659% | 2,753 |
| Credit loss provision to net charge-offs | 148.5526% | 1,847 |
| Earnings coverage of net charge-offs (x) | 52.7487% | 977 |
| Efficiency ratio | 51.1747% | 5,426 |
| Assets per employee ($millions) | 7.2225% | 832 |
| Cash dividends to net income (ytd only)* | 50.2130% | 2,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9526% | 4,565 |
| Loan loss allowance to noncurrent loans | 489.0121% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,069 |
| Noncurrent loans to loans | 0.1948% | 4,460 |
| Net loans and leases to total assets | 56.1414% | 4,256 |
| Net loans and leases to deposits | 61.5562% | 4,573 |
| Net loans and leases to core deposits | 62.5172% | 4,721 |
| Total domestic deposits to total assets | 91.2034% | 223 |
| Equity capital to assets | 7.9533% | 5,585 |
| Core capital (leverage) ratio | 7.8080% | 5,683 |
| Tier 1 risk-based capital ratio | 14.1194% | 3,401 |
| Total risk-based capital ratio | 15.1505% | 3,436 |
| Memoranda: |
| Average total assets | $16,261,766,600 | 89 |
| Average earning assets | $15,428,138,400 | 84 |
| Average equity | $1,315,932,800 | 111 |
| Average total loans | $9,229,421,800 | 98 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4986% | 4,803 |
| Cost of funding earning assets | 0.1199% | 5,678 |
| Net interest margin | 3.3788% | 3,921 |
| Noninterest income to average assets | 0.8473% | 1,584 |
| Noninterest expense to average assets | 2.1391% | 4,914 |
| Loan and lease loss provision to assets | 0.0512% | 3,222 |
| Net operating income to assets | 1.2932% | 1,310 |
| Return on assets (ROA) | 1.2933% | 1,416 |
| Pretax return on assets | 1.8624% | 777 |
| Return on Equity (ROE) | 15.9096% | 554 |
| Retained earnings to average equity (ytd only) | 7.4946% | 1,404 |
| Net charge-offs to loans | 0.0660% | 2,392 |
| Credit loss provision to net charge-offs | 136.6291% | 1,902 |
| Earnings coverage of net charge-offs (x) | 51.0475% | 1,057 |
| Efficiency ratio | 52.7655% | 5,332 |
| Assets per employee ($millions) | 7.1031% | 857 |
| Cash dividends to net income (ytd only)* | 52.8928% | 1,745 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9570% | 4,631 |
| Loan loss allowance to noncurrent loans | 419.3276% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 4,051 |
| Noncurrent loans to loans | 0.2282% | 4,453 |
| Net loans and leases to total assets | 56.3312% | 4,271 |
| Net loans and leases to deposits | 62.1722% | 4,618 |
| Net loans and leases to core deposits | 63.2477% | 4,760 |
| Total domestic deposits to total assets | 90.6051% | 294 |
| Equity capital to assets | 8.1007% | 5,703 |
| Core capital (leverage) ratio | 7.8256% | 5,750 |
| Tier 1 risk-based capital ratio | 14.0589% | 3,531 |
| Total risk-based capital ratio | 15.0969% | 3,565 |
| Memoranda: |
| Average total assets | $16,080,378,750 | 88 |
| Average earning assets | $15,254,763,500 | 85 |
| Average equity | $1,307,152,250 | 109 |
| Average total loans | $9,129,618,250 | 98 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5238% | 4,803 |
| Cost of funding earning assets | 0.1287% | 5,701 |
| Net interest margin | 3.3951% | 3,916 |
| Noninterest income to average assets | 0.7625% | 1,879 |
| Noninterest expense to average assets | 2.1191% | 5,018 |
| Loan and lease loss provision to assets | 0.0567% | 3,005 |
| Net operating income to assets | 1.2618% | 1,388 |
| Return on assets (ROA) | 1.2618% | 1,507 |
| Pretax return on assets | 1.8089% | 869 |
| Return on Equity (ROE) | 15.5040% | 607 |
| Retained earnings to average equity (ytd only) | 7.0049% | 1,596 |
| Net charge-offs to loans | 0.0739% | 2,130 |
| Credit loss provision to net charge-offs | 135.3842% | 1,724 |
| Earnings coverage of net charge-offs (x) | 44.5195% | 1,079 |
| Efficiency ratio | 53.1638% | 5,375 |
| Assets per employee ($millions) | 6.9653% | 888 |
| Cash dividends to net income (ytd only)* | 54.8191% | 1,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9737% | 4,652 |
| Loan loss allowance to noncurrent loans | 320.8790% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 4,005 |
| Noncurrent loans to loans | 0.3035% | 4,281 |
| Net loans and leases to total assets | 56.5375% | 4,248 |
| Net loans and leases to deposits | 62.4517% | 4,621 |
| Net loans and leases to core deposits | 63.6914% | 4,767 |
| Total domestic deposits to total assets | 90.5299% | 308 |
| Equity capital to assets | 8.1985% | 5,735 |
| Core capital (leverage) ratio | 7.8782% | 5,789 |
| Tier 1 risk-based capital ratio | 14.2320% | 3,480 |
| Total risk-based capital ratio | 15.3001% | 3,496 |
| Memoranda: |
| Average total assets | $15,902,424,330 | 88 |
| Average earning assets | $15,092,804,670 | 86 |
| Average equity | $1,294,244,670 | 111 |
| Average total loans | $9,023,013,670 | 100 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5104% | 4,867 |
| Cost of funding earning assets | 0.1435% | 5,650 |
| Net interest margin | 3.3669% | 3,986 |
| Noninterest income to average assets | 0.7296% | 1,909 |
| Noninterest expense to average assets | 2.1482% | 5,019 |
| Loan and lease loss provision to assets | 0.0151% | 3,488 |
| Net operating income to assets | 1.2275% | 1,463 |
| Return on assets (ROA) | 1.2276% | 1,574 |
| Pretax return on assets | 1.7608% | 921 |
| Return on Equity (ROE) | 15.1403% | 649 |
| Retained earnings to average equity (ytd only) | 6.5338% | 2,119 |
| Net charge-offs to loans | 0.0098% | 2,794 |
| Credit loss provision to net charge-offs | 272.1461% | 902 |
| Earnings coverage of net charge-offs (x) | 319.5525% | 186 |
| Efficiency ratio | 54.7275% | 5,310 |
| Assets per employee ($millions) | 6.9873% | 903 |
| Cash dividends to net income (ytd only)* | 56.8452% | 1,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9882% | 4,675 |
| Loan loss allowance to noncurrent loans | 559.3487% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 4,263 |
| Noncurrent loans to loans | 0.1767% | 4,779 |
| Net loans and leases to total assets | 55.7469% | 4,282 |
| Net loans and leases to deposits | 61.3377% | 4,627 |
| Net loans and leases to core deposits | 62.6355% | 4,775 |
| Total domestic deposits to total assets | 90.8852% | 304 |
| Equity capital to assets | 8.0926% | 5,784 |
| Core capital (leverage) ratio | 7.8784% | 5,821 |
| Tier 1 risk-based capital ratio | 14.1876% | 3,572 |
| Total risk-based capital ratio | 15.2636% | 3,612 |
| Memoranda: |
| Average total assets | $15,763,492,000 | 89 |
| Average earning assets | $14,955,829,000 | 87 |
| Average equity | $1,278,099,000 | 113 |
| Average total loans | $8,915,578,500 | 99 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5338% | 4,834 |
| Cost of funding earning assets | 0.1291% | 5,818 |
| Net interest margin | 3.4047% | 3,895 |
| Noninterest income to average assets | 0.7880% | 1,834 |
| Noninterest expense to average assets | 2.1631% | 5,124 |
| Loan and lease loss provision to assets | 0.0335% | 3,685 |
| Net operating income to assets | 1.2824% | 1,312 |
| Return on assets (ROA) | 1.2793% | 1,364 |
| Pretax return on assets | 1.8355% | 747 |
| Return on Equity (ROE) | 15.7257% | 585 |
| Retained earnings to average equity (ytd only) | 6.7375% | 1,412 |
| Net charge-offs to loans | 0.0182% | 3,919 |
| Credit loss provision to net charge-offs | 327.2255% | 920 |
| Earnings coverage of net charge-offs (x) | 183.1183% | 361 |
| Efficiency ratio | 53.5708% | 5,548 |
| Assets per employee ($millions) | 6.6976% | 1,007 |
| Cash dividends to net income (ytd only)* | 57.1562% | 1,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0076% | 4,557 |
| Loan loss allowance to noncurrent loans | 487.4904% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 4,244 |
| Noncurrent loans to loans | 0.2067% | 4,675 |
| Net loans and leases to total assets | 56.2495% | 4,275 |
| Net loans and leases to deposits | 61.7266% | 4,652 |
| Net loans and leases to core deposits | 63.1310% | 4,790 |
| Total domestic deposits to total assets | 91.1269% | 252 |
| Equity capital to assets | 8.1238% | 5,798 |
| Core capital (leverage) ratio | 7.9210% | 5,875 |
| Tier 1 risk-based capital ratio | 14.1457% | 3,640 |
| Total risk-based capital ratio | 15.2315% | 3,653 |
| Memoranda: |
| Average total assets | $15,043,330,800 | 91 |
| Average earning assets | $14,353,110,200 | 86 |
| Average equity | $1,223,828,200 | 115 |
| Average total loans | $8,437,079,000 | 100 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5145% | 4,946 |
| Cost of funding earning assets | 0.1271% | 5,936 |
| Net interest margin | 3.3874% | 4,009 |
| Noninterest income to average assets | 0.7740% | 1,908 |
| Noninterest expense to average assets | 2.1541% | 5,159 |
| Loan and lease loss provision to assets | 0.0360% | 3,498 |
| Net operating income to assets | 1.2649% | 1,434 |
| Return on assets (ROA) | 1.2604% | 1,513 |
| Pretax return on assets | 1.8149% | 872 |
| Return on Equity (ROE) | 15.4874% | 665 |
| Retained earnings to average equity (ytd only) | 6.4333% | 2,000 |
| Net charge-offs to loans | 0.0187% | 3,566 |
| Credit loss provision to net charge-offs | 343.7340% | 856 |
| Earnings coverage of net charge-offs (x) | 177.2925% | 406 |
| Efficiency ratio | 53.6787% | 5,545 |
| Assets per employee ($millions) | 6.6975% | 983 |
| Cash dividends to net income (ytd only)* | 58.4613% | 1,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0183% | 4,651 |
| Loan loss allowance to noncurrent loans | 416.2172% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 3,798 |
| Noncurrent loans to loans | 0.2447% | 4,699 |
| Net loans and leases to total assets | 56.9255% | 4,256 |
| Net loans and leases to deposits | 62.7695% | 4,663 |
| Net loans and leases to core deposits | 64.2799% | 4,799 |
| Total domestic deposits to total assets | 90.6897% | 342 |
| Equity capital to assets | 8.3056% | 5,826 |
| Core capital (leverage) ratio | 7.8168% | 5,974 |
| Tier 1 risk-based capital ratio | 14.0288% | 3,827 |
| Total risk-based capital ratio | 15.1189% | 3,869 |
| Memoranda: |
| Average total assets | $14,927,914,000 | 92 |
| Average earning assets | $14,267,388,750 | 86 |
| Average equity | $1,214,886,250 | 118 |
| Average total loans | $8,343,785,250 | 102 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4859% | 5,025 |
| Cost of funding earning assets | 0.1281% | 5,995 |
| Net interest margin | 3.3578% | 4,065 |
| Noninterest income to average assets | 0.7612% | 1,943 |
| Noninterest expense to average assets | 2.1516% | 5,221 |
| Loan and lease loss provision to assets | 0.0234% | 3,669 |
| Net operating income to assets | 1.2522% | 1,457 |
| Return on assets (ROA) | 1.2454% | 1,537 |
| Pretax return on assets | 1.7916% | 907 |
| Return on Equity (ROE) | 15.4099% | 677 |
| Retained earnings to average equity (ytd only) | 6.2676% | 2,081 |
| Net charge-offs to loans | 0.0090% | 3,593 |
| Credit loss provision to net charge-offs | 470.2703% | 655 |
| Earnings coverage of net charge-offs (x) | 367.0919% | 187 |
| Efficiency ratio | 54.0923% | 5,580 |
| Assets per employee ($millions) | 6.7547% | 947 |
| Cash dividends to net income (ytd only)* | 59.3273% | 1,558 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0236% | 4,746 |
| Loan loss allowance to noncurrent loans | 430.8932% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 4,005 |
| Noncurrent loans to loans | 0.2376% | 4,811 |
| Net loans and leases to total assets | 55.3947% | 4,396 |
| Net loans and leases to deposits | 61.3987% | 4,744 |
| Net loans and leases to core deposits | 62.8959% | 4,884 |
| Total domestic deposits to total assets | 90.2213% | 570 |
| Equity capital to assets | 8.0472% | 5,965 |
| Core capital (leverage) ratio | 7.7851% | 6,021 |
| Tier 1 risk-based capital ratio | 13.9531% | 3,958 |
| Total risk-based capital ratio | 15.0380% | 3,976 |
| Memoranda: |
| Average total assets | $14,887,487,330 | 94 |
| Average earning assets | $14,254,667,000 | 88 |
| Average equity | $1,203,204,330 | 119 |
| Average total loans | $8,240,061,330 | 104 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4674% | 5,044 |
| Cost of funding earning assets | 0.1369% | 6,018 |
| Net interest margin | 3.3305% | 4,092 |
| Noninterest income to average assets | 0.7208% | 2,062 |
| Noninterest expense to average assets | 2.1829% | 5,195 |
| Loan and lease loss provision to assets | 0.0189% | 3,468 |
| Net operating income to assets | 1.1927% | 1,572 |
| Return on assets (ROA) | 1.1794% | 1,704 |
| Pretax return on assets | 1.6994% | 1,050 |
| Return on Equity (ROE) | 14.5614% | 779 |
| Retained earnings to average equity (ytd only) | 5.3663% | 2,852 |
| Net charge-offs to loans | -0.0092% | 4,685 |
| Credit loss provision to net charge-offs | -373.2620% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6609% | 5,543 |
| Assets per employee ($millions) | 6.8380% | 923 |
| Cash dividends to net income (ytd only)* | 63.1473% | 1,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0469% | 4,779 |
| Loan loss allowance to noncurrent loans | 462.8525% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 4,546 |
| Noncurrent loans to loans | 0.2262% | 4,961 |
| Net loans and leases to total assets | 54.1325% | 4,427 |
| Net loans and leases to deposits | 59.8503% | 4,757 |
| Net loans and leases to core deposits | 61.3907% | 4,882 |
| Total domestic deposits to total assets | 90.4464% | 546 |
| Equity capital to assets | 8.0323% | 6,017 |
| Core capital (leverage) ratio | 7.7840% | 6,038 |
| Tier 1 risk-based capital ratio | 14.1960% | 3,883 |
| Total risk-based capital ratio | 15.3136% | 3,891 |
| Memoranda: |
| Average total assets | $14,769,335,500 | 94 |
| Average earning assets | $14,189,286,500 | 88 |
| Average equity | $1,196,286,000 | 118 |
| Average total loans | $8,127,882,500 | 104 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6191% | 5,031 |
| Cost of funding earning assets | 0.1556% | 6,065 |
| Net interest margin | 3.4635% | 3,929 |
| Noninterest income to average assets | 0.7538% | 2,058 |
| Noninterest expense to average assets | 2.1529% | 5,449 |
| Loan and lease loss provision to assets | 0.0233% | 4,139 |
| Net operating income to assets | 1.3394% | 1,209 |
| Return on assets (ROA) | 1.3555% | 1,226 |
| Pretax return on assets | 1.9199% | 610 |
| Return on Equity (ROE) | 16.8576% | 504 |
| Retained earnings to average equity (ytd only) | 7.2746% | 1,286 |
| Net charge-offs to loans | 0.0550% | 3,731 |
| Credit loss provision to net charge-offs | 77.0838% | 2,924 |
| Earnings coverage of net charge-offs (x) | 63.6196% | 754 |
| Efficiency ratio | 52.8350% | 5,924 |
| Assets per employee ($millions) | 6.6430% | 978 |
| Cash dividends to net income (ytd only)* | 56.8470% | 1,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0625% | 4,753 |
| Loan loss allowance to noncurrent loans | 407.1913% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 4,485 |
| Noncurrent loans to loans | 0.2609% | 4,906 |
| Net loans and leases to total assets | 54.7832% | 4,476 |
| Net loans and leases to deposits | 60.5688% | 4,850 |
| Net loans and leases to core deposits | 62.2952% | 4,982 |
| Total domestic deposits to total assets | 90.4479% | 558 |
| Equity capital to assets | 8.1699% | 5,979 |
| Core capital (leverage) ratio | 7.9448% | 6,034 |
| Tier 1 risk-based capital ratio | 14.8624% | 3,562 |
| Total risk-based capital ratio | 16.0376% | 3,543 |
| Memoranda: |
| Average total assets | $13,950,533,800 | 94 |
| Average earning assets | $13,370,489,200 | 88 |
| Average equity | $1,121,773,800 | 121 |
| Average total loans | $7,653,540,800 | 102 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6169% | 5,102 |
| Cost of funding earning assets | 0.1595% | 6,125 |
| Net interest margin | 3.4575% | 3,990 |
| Noninterest income to average assets | 0.7374% | 2,147 |
| Noninterest expense to average assets | 2.1657% | 5,419 |
| Loan and lease loss provision to assets | 0.0102% | 4,216 |
| Net operating income to assets | 1.3098% | 1,342 |
| Return on assets (ROA) | 1.3073% | 1,408 |
| Pretax return on assets | 1.8709% | 763 |
| Return on Equity (ROE) | 16.3264% | 640 |
| Retained earnings to average equity (ytd only) | 6.6837% | 1,991 |
| Net charge-offs to loans | 0.0401% | 3,701 |
| Credit loss provision to net charge-offs | 46.6813% | 3,162 |
| Earnings coverage of net charge-offs (x) | 85.8395% | 657 |
| Efficiency ratio | 53.4475% | 5,881 |
| Assets per employee ($millions) | 6.8039% | 870 |
| Cash dividends to net income (ytd only)* | 59.0619% | 1,423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0846% | 4,822 |
| Loan loss allowance to noncurrent loans | 486.3688% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 4,665 |
| Noncurrent loans to loans | 0.2230% | 5,229 |
| Net loans and leases to total assets | 55.3254% | 4,419 |
| Net loans and leases to deposits | 61.2094% | 4,825 |
| Net loans and leases to core deposits | 63.1115% | 4,959 |
| Total domestic deposits to total assets | 90.3872% | 576 |
| Equity capital to assets | 8.2129% | 6,005 |
| Core capital (leverage) ratio | 7.9107% | 6,126 |
| Tier 1 risk-based capital ratio | 14.8936% | 3,655 |
| Total risk-based capital ratio | 16.0949% | 3,615 |
| Memoranda: |
| Average total assets | $13,814,414,000 | 95 |
| Average earning assets | $13,237,536,250 | 90 |
| Average equity | $1,106,161,250 | 123 |
| Average total loans | $7,560,400,500 | 103 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6093% | 5,126 |
| Cost of funding earning assets | 0.1614% | 6,187 |
| Net interest margin | 3.4479% | 3,989 |
| Noninterest income to average assets | 0.7394% | 2,095 |
| Noninterest expense to average assets | 2.1794% | 5,465 |
| Loan and lease loss provision to assets | 0.0108% | 4,029 |
| Net operating income to assets | 1.2983% | 1,316 |
| Return on assets (ROA) | 1.2945% | 1,377 |
| Pretax return on assets | 1.8453% | 763 |
| Return on Equity (ROE) | 16.3093% | 622 |
| Retained earnings to average equity (ytd only) | 6.6866% | 1,934 |
| Net charge-offs to loans | 0.0415% | 3,399 |
| Credit loss provision to net charge-offs | 47.9691% | 2,821 |
| Earnings coverage of net charge-offs (x) | 82.4990% | 644 |
| Efficiency ratio | 53.9129% | 5,915 |
| Assets per employee ($millions) | 6.8073% | 869 |
| Cash dividends to net income (ytd only)* | 59.0014% | 1,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1130% | 4,849 |
| Loan loss allowance to noncurrent loans | 505.6943% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 4,583 |
| Noncurrent loans to loans | 0.2201% | 5,348 |
| Net loans and leases to total assets | 54.5792% | 4,472 |
| Net loans and leases to deposits | 60.2785% | 4,844 |
| Net loans and leases to core deposits | 62.2568% | 4,950 |
| Total domestic deposits to total assets | 90.5450% | 565 |
| Equity capital to assets | 8.1291% | 6,080 |
| Core capital (leverage) ratio | 7.8161% | 6,201 |
| Tier 1 risk-based capital ratio | 14.9143% | 3,681 |
| Total risk-based capital ratio | 16.1434% | 3,639 |
| Memoranda: |
| Average total assets | $13,747,187,000 | 96 |
| Average earning assets | $13,163,878,000 | 90 |
| Average equity | $1,091,171,330 | 120 |
| Average total loans | $7,467,369,330 | 103 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5608% | 5,271 |
| Cost of funding earning assets | 0.1648% | 6,267 |
| Net interest margin | 3.3960% | 4,132 |
| Noninterest income to average assets | 0.7286% | 2,041 |
| Noninterest expense to average assets | 2.1879% | 5,490 |
| Loan and lease loss provision to assets | 0.1249% | 1,938 |
| Net operating income to assets | 1.1796% | 1,542 |
| Return on assets (ROA) | 1.1726% | 1,627 |
| Pretax return on assets | 1.6566% | 1,060 |
| Return on Equity (ROE) | 14.9572% | 778 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,726 |
| Net charge-offs to loans | 0.0392% | 2,836 |
| Credit loss provision to net charge-offs | 591.9556% | 480 |
| Earnings coverage of net charge-offs (x) | 84.8918% | 517 |
| Efficiency ratio | 54.9624% | 5,929 |
| Assets per employee ($millions) | 6.9071% | 834 |
| Cash dividends to net income (ytd only)* | 62.3970% | 1,348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2051% | 4,613 |
| Loan loss allowance to noncurrent loans | 506.9848% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 4,664 |
| Noncurrent loans to loans | 0.2377% | 5,391 |
| Net loans and leases to total assets | 52.6516% | 4,587 |
| Net loans and leases to deposits | 58.1108% | 4,930 |
| Net loans and leases to core deposits | 60.0025% | 5,033 |
| Total domestic deposits to total assets | 90.6055% | 739 |
| Equity capital to assets | 7.7788% | 6,190 |
| Core capital (leverage) ratio | 7.7949% | 6,223 |
| Tier 1 risk-based capital ratio | 14.9981% | 3,713 |
| Total risk-based capital ratio | 16.2646% | 3,651 |
| Memoranda: |
| Average total assets | $13,667,077,000 | 94 |
| Average earning assets | $13,082,320,000 | 89 |
| Average equity | $1,071,481,500 | 124 |
| Average total loans | $7,363,062,000 | 104 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6477% | 5,285 |
| Cost of funding earning assets | 0.2046% | 6,264 |
| Net interest margin | 3.4431% | 4,119 |
| Noninterest income to average assets | 0.8333% | 1,922 |
| Noninterest expense to average assets | 2.1999% | 5,626 |
| Loan and lease loss provision to assets | 0.0087% | 4,952 |
| Net operating income to assets | 1.3585% | 1,114 |
| Return on assets (ROA) | 1.3562% | 1,162 |
| Pretax return on assets | 1.9114% | 589 |
| Return on Equity (ROE) | 17.0091% | 500 |
| Retained earnings to average equity (ytd only) | 7.4178% | 1,266 |
| Net charge-offs to loans | 0.0562% | 4,444 |
| Credit loss provision to net charge-offs | 29.9211% | 4,254 |
| Earnings coverage of net charge-offs (x) | 66.1832% | 638 |
| Efficiency ratio | 53.3501% | 6,189 |
| Assets per employee ($millions) | 6.4575% | 1,006 |
| Cash dividends to net income (ytd only)* | 56.3892% | 1,943 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1853% | 4,733 |
| Loan loss allowance to noncurrent loans | 377.5336% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 4,568 |
| Noncurrent loans to loans | 0.3140% | 5,246 |
| Net loans and leases to total assets | 53.8364% | 4,600 |
| Net loans and leases to deposits | 59.2158% | 5,015 |
| Net loans and leases to core deposits | 61.3224% | 5,124 |
| Total domestic deposits to total assets | 90.9157% | 606 |
| Equity capital to assets | 7.9038% | 6,082 |
| Core capital (leverage) ratio | 7.8670% | 6,212 |
| Tier 1 risk-based capital ratio | 15.0662% | 3,628 |
| Total risk-based capital ratio | 16.3323% | 3,561 |
| Memoranda: |
| Average total assets | $13,076,173,800 | 95 |
| Average earning assets | $12,494,721,200 | 87 |
| Average equity | $1,042,610,000 | 124 |
| Average total loans | $6,766,085,600 | 107 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6356% | 5,341 |
| Cost of funding earning assets | 0.2075% | 6,370 |
| Net interest margin | 3.4281% | 4,175 |
| Noninterest income to average assets | 0.7914% | 2,194 |
| Noninterest expense to average assets | 2.1456% | 5,730 |
| Loan and lease loss provision to assets | -0.0013% | 6,442 |
| Net operating income to assets | 1.3605% | 1,205 |
| Return on assets (ROA) | 1.3574% | 1,255 |
| Pretax return on assets | 1.9185% | 686 |
| Return on Equity (ROE) | 16.9859% | 538 |
| Retained earnings to average equity (ytd only) | 7.3652% | 1,701 |
| Net charge-offs to loans | 0.0258% | 4,608 |
| Credit loss provision to net charge-offs | -9.6423% | 5,606 |
| Earnings coverage of net charge-offs (x) | 145.7678% | 377 |
| Efficiency ratio | 52.7500% | 6,200 |
| Assets per employee ($millions) | 6.3725% | 989 |
| Cash dividends to net income (ytd only)* | 56.6397% | 1,590 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2416% | 4,691 |
| Loan loss allowance to noncurrent loans | 312.9256% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 4,829 |
| Noncurrent loans to loans | 0.3968% | 5,202 |
| Net loans and leases to total assets | 52.9611% | 4,755 |
| Net loans and leases to deposits | 58.4365% | 5,144 |
| Net loans and leases to core deposits | 60.5499% | 5,256 |
| Total domestic deposits to total assets | 90.6302% | 691 |
| Equity capital to assets | 7.9865% | 6,163 |
| Core capital (leverage) ratio | 7.9029% | 6,272 |
| Tier 1 risk-based capital ratio | 15.1904% | 3,636 |
| Total risk-based capital ratio | 16.4573% | 3,580 |
| Memoranda: |
| Average total assets | $13,006,669,500 | 94 |
| Average earning assets | $12,428,715,750 | 86 |
| Average equity | $1,039,391,250 | 124 |
| Average total loans | $6,638,692,000 | 106 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6279% | 5,358 |
| Cost of funding earning assets | 0.2122% | 6,418 |
| Net interest margin | 3.4157% | 4,132 |
| Noninterest income to average assets | 0.8011% | 2,180 |
| Noninterest expense to average assets | 2.1439% | 5,766 |
| Loan and lease loss provision to assets | 0.0198% | 4,502 |
| Net operating income to assets | 1.3389% | 1,228 |
| Return on assets (ROA) | 1.3343% | 1,321 |
| Pretax return on assets | 1.8933% | 761 |
| Return on Equity (ROE) | 16.6939% | 580 |
| Retained earnings to average equity (ytd only) | 7.0418% | 1,875 |
| Net charge-offs to loans | 0.0220% | 4,396 |
| Credit loss provision to net charge-offs | 179.9720% | 1,325 |
| Earnings coverage of net charge-offs (x) | 174.2507% | 285 |
| Efficiency ratio | 52.7547% | 6,238 |
| Assets per employee ($millions) | 6.3164% | 998 |
| Cash dividends to net income (ytd only)* | 57.8182% | 1,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3178% | 4,414 |
| Loan loss allowance to noncurrent loans | 311.8900% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 4,826 |
| Noncurrent loans to loans | 0.4225% | 5,205 |
| Net loans and leases to total assets | 51.5677% | 4,921 |
| Net loans and leases to deposits | 57.1774% | 5,227 |
| Net loans and leases to core deposits | 59.3309% | 5,317 |
| Total domestic deposits to total assets | 90.1889% | 922 |
| Equity capital to assets | 7.9661% | 6,221 |
| Core capital (leverage) ratio | 7.8112% | 6,300 |
| Tier 1 risk-based capital ratio | 15.3823% | 3,544 |
| Total risk-based capital ratio | 16.6503% | 3,493 |
| Memoranda: |
| Average total assets | $12,962,182,000 | 93 |
| Average earning assets | $12,380,666,330 | 86 |
| Average equity | $1,036,042,670 | 123 |
| Average total loans | $6,502,705,670 | 106 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6208% | 5,388 |
| Cost of funding earning assets | 0.2209% | 6,469 |
| Net interest margin | 3.3998% | 4,117 |
| Noninterest income to average assets | 0.7725% | 2,244 |
| Noninterest expense to average assets | 2.1349% | 5,833 |
| Loan and lease loss provision to assets | 0.0431% | 3,880 |
| Net operating income to assets | 1.3031% | 1,263 |
| Return on assets (ROA) | 1.2988% | 1,380 |
| Pretax return on assets | 1.8332% | 832 |
| Return on Equity (ROE) | 16.2218% | 583 |
| Retained earnings to average equity (ytd only) | 6.5745% | 2,380 |
| Net charge-offs to loans | 0.0209% | 3,747 |
| Credit loss provision to net charge-offs | 418.9189% | 616 |
| Earnings coverage of net charge-offs (x) | 182.9640% | 225 |
| Efficiency ratio | 53.1367% | 6,288 |
| Assets per employee ($millions) | 6.4503% | 1,001 |
| Cash dividends to net income (ytd only)* | 59.4714% | 1,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3902% | 4,294 |
| Loan loss allowance to noncurrent loans | 305.7884% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 4,974 |
| Noncurrent loans to loans | 0.4546% | 5,281 |
| Net loans and leases to total assets | 48.9056% | 5,124 |
| Net loans and leases to deposits | 53.8767% | 5,445 |
| Net loans and leases to core deposits | 56.3674% | 5,492 |
| Total domestic deposits to total assets | 90.7731% | 630 |
| Equity capital to assets | 7.9925% | 6,380 |
| Core capital (leverage) ratio | 7.7245% | 6,339 |
| Tier 1 risk-based capital ratio | 15.5834% | 3,481 |
| Total risk-based capital ratio | 16.8493% | 3,437 |
| Memoranda: |
| Average total assets | $12,946,886,000 | 96 |
| Average earning assets | $12,356,331,500 | 87 |
| Average equity | $1,036,553,000 | 126 |
| Average total loans | $6,359,285,000 | 108 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9509% | 5,438 |
| Cost of funding earning assets | 0.2647% | 6,609 |
| Net interest margin | 3.6862% | 3,707 |
| Noninterest income to average assets | 0.7688% | 2,397 |
| Noninterest expense to average assets | 2.2190% | 5,885 |
| Loan and lease loss provision to assets | 0.0247% | 5,583 |
| Net operating income to assets | 1.4411% | 1,022 |
| Return on assets (ROA) | 1.4442% | 1,135 |
| Pretax return on assets | 2.0417% | 559 |
| Return on Equity (ROE) | 17.5630% | 477 |
| Retained earnings to average equity (ytd only) | 7.5710% | 1,299 |
| Net charge-offs to loans | 0.1630% | 4,073 |
| Credit loss provision to net charge-offs | 32.3906% | 5,080 |
| Earnings coverage of net charge-offs (x) | 26.9871% | 1,084 |
| Efficiency ratio | 51.8278% | 6,473 |
| Assets per employee ($millions) | 6.4873% | 1,014 |
| Cash dividends to net income (ytd only)* | 56.8922% | 1,959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4232% | 4,051 |
| Loan loss allowance to noncurrent loans | 266.9549% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 4,912 |
| Noncurrent loans to loans | 0.5331% | 5,196 |
| Net loans and leases to total assets | 47.9418% | 5,422 |
| Net loans and leases to deposits | 53.1934% | 5,723 |
| Net loans and leases to core deposits | 55.5739% | 5,745 |
| Total domestic deposits to total assets | 90.1274% | 886 |
| Equity capital to assets | 8.0201% | 6,395 |
| Core capital (leverage) ratio | 7.7993% | 6,340 |
| Tier 1 risk-based capital ratio | 15.6768% | 3,332 |
| Total risk-based capital ratio | 16.9400% | 3,280 |
| Memoranda: |
| Average total assets | $12,170,487,600 | 97 |
| Average earning assets | $11,595,974,600 | 93 |
| Average equity | $1,000,805,000 | 130 |
| Average total loans | $5,704,361,000 | 116 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0297% | 5,433 |
| Cost of funding earning assets | 0.2766% | 6,709 |
| Net interest margin | 3.7531% | 3,532 |
| Noninterest income to average assets | 0.7878% | 2,292 |
| Noninterest expense to average assets | 2.2466% | 5,828 |
| Loan and lease loss provision to assets | 0.0220% | 5,522 |
| Net operating income to assets | 1.4764% | 1,064 |
| Return on assets (ROA) | 1.4649% | 1,213 |
| Pretax return on assets | 2.0791% | 600 |
| Return on Equity (ROE) | 17.6972% | 534 |
| Retained earnings to average equity (ytd only) | 7.6317% | 1,782 |
| Net charge-offs to loans | 0.1705% | 3,736 |
| Credit loss provision to net charge-offs | 27.7692% | 4,834 |
| Earnings coverage of net charge-offs (x) | 26.7608% | 1,204 |
| Efficiency ratio | 51.4719% | 6,495 |
| Assets per employee ($millions) | 6.1701% | 1,140 |
| Cash dividends to net income (ytd only)* | 56.8764% | 1,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5094% | 3,914 |
| Loan loss allowance to noncurrent loans | 235.5586% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 5,030 |
| Noncurrent loans to loans | 0.6408% | 5,157 |
| Net loans and leases to total assets | 47.7825% | 5,577 |
| Net loans and leases to deposits | 52.6583% | 5,923 |
| Net loans and leases to core deposits | 55.0221% | 5,964 |
| Total domestic deposits to total assets | 90.7407% | 502 |
| Equity capital to assets | 8.2846% | 6,427 |
| Core capital (leverage) ratio | 7.8638% | 6,428 |
| Tier 1 risk-based capital ratio | 15.9229% | 3,303 |
| Total risk-based capital ratio | 17.1837% | 3,274 |
| Memoranda: |
| Average total assets | $12,001,895,750 | 97 |
| Average earning assets | $11,436,767,750 | 94 |
| Average equity | $993,465,000 | 127 |
| Average total loans | $5,568,711,750 | 118 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1116% | 5,279 |
| Cost of funding earning assets | 0.2849% | 6,786 |
| Net interest margin | 3.8267% | 3,236 |
| Noninterest income to average assets | 0.7791% | 2,298 |
| Noninterest expense to average assets | 2.2705% | 5,818 |
| Loan and lease loss provision to assets | 0.0133% | 5,497 |
| Net operating income to assets | 1.5073% | 981 |
| Return on assets (ROA) | 1.4920% | 1,124 |
| Pretax return on assets | 2.1189% | 562 |
| Return on Equity (ROE) | 18.0299% | 506 |
| Retained earnings to average equity (ytd only) | 7.8779% | 1,681 |
| Net charge-offs to loans | 0.1989% | 3,392 |
| Credit loss provision to net charge-offs | 14.6134% | 4,684 |
| Earnings coverage of net charge-offs (x) | 23.7146% | 1,245 |
| Efficiency ratio | 51.3103% | 6,554 |
| Assets per employee ($millions) | 6.0039% | 1,221 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5907% | 3,635 |
| Loan loss allowance to noncurrent loans | 212.7922% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,312 |
| Noncurrent loans to loans | 0.7475% | 5,013 |
| Net loans and leases to total assets | 46.5027% | 5,779 |
| Net loans and leases to deposits | 51.1990% | 6,086 |
| Net loans and leases to core deposits | 53.6080% | 6,123 |
| Total domestic deposits to total assets | 90.8274% | 517 |
| Equity capital to assets | 8.3079% | 6,376 |
| Core capital (leverage) ratio | 7.8227% | 6,434 |
| Tier 1 risk-based capital ratio | 16.1470% | 3,097 |
| Total risk-based capital ratio | 17.4049% | 3,053 |
| Memoranda: |
| Average total assets | $11,903,518,670 | 96 |
| Average earning assets | $11,339,611,330 | 94 |
| Average equity | $985,032,000 | 126 |
| Average total loans | $5,436,323,330 | 120 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1678% | 5,217 |
| Cost of funding earning assets | 0.2969% | 6,850 |
| Net interest margin | 3.8709% | 3,050 |
| Noninterest income to average assets | 0.7266% | 2,521 |
| Noninterest expense to average assets | 2.2453% | 5,919 |
| Loan and lease loss provision to assets | 0.0689% | 4,549 |
| Net operating income to assets | 1.4802% | 1,057 |
| Return on assets (ROA) | 1.4568% | 1,238 |
| Pretax return on assets | 2.0662% | 664 |
| Return on Equity (ROE) | 17.6396% | 590 |
| Retained earnings to average equity (ytd only) | 7.4043% | 2,227 |
| Net charge-offs to loans | 0.1456% | 3,223 |
| Credit loss provision to net charge-offs | 105.5383% | 2,191 |
| Earnings coverage of net charge-offs (x) | 33.1900% | 856 |
| Efficiency ratio | 50.8684% | 6,620 |
| Assets per employee ($millions) | 6.0651% | 1,244 |
| Cash dividends to net income (ytd only)* | 58.0248% | 1,246 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7607% | 3,124 |
| Loan loss allowance to noncurrent loans | 193.2865% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 5,271 |
| Noncurrent loans to loans | 0.9109% | 4,843 |
| Net loans and leases to total assets | 44.0758% | 6,000 |
| Net loans and leases to deposits | 48.6270% | 6,258 |
| Net loans and leases to core deposits | 50.9781% | 6,275 |
| Total domestic deposits to total assets | 90.6406% | 721 |
| Equity capital to assets | 8.1808% | 6,379 |
| Core capital (leverage) ratio | 7.8181% | 6,399 |
| Tier 1 risk-based capital ratio | 16.1811% | 3,084 |
| Total risk-based capital ratio | 17.4382% | 3,039 |
| Memoranda: |
| Average total assets | $11,830,343,000 | 96 |
| Average earning assets | $11,267,485,000 | 94 |
| Average equity | $977,004,500 | 126 |
| Average total loans | $5,307,438,000 | 121 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6084% | 4,647 |
| Cost of funding earning assets | 0.3954% | 6,895 |
| Net interest margin | 4.2130% | 2,017 |
| Noninterest income to average assets | 0.8337% | 1,912 |
| Noninterest expense to average assets | 2.3597% | 5,882 |
| Loan and lease loss provision to assets | 0.2204% | 3,993 |
| Net operating income to assets | 1.5991% | 662 |
| Return on assets (ROA) | 1.5734% | 764 |
| Pretax return on assets | 2.2155% | 356 |
| Return on Equity (ROE) | 19.0107% | 315 |
| Retained earnings to average equity (ytd only) | 7.0209% | 1,496 |
| Net charge-offs to loans | 0.4371% | 3,252 |
| Credit loss provision to net charge-offs | 114.5926% | 2,852 |
| Earnings coverage of net charge-offs (x) | 12.8537% | 1,590 |
| Efficiency ratio | 48.8315% | 6,899 |
| Assets per employee ($millions) | 5.9903% | 1,234 |
| Cash dividends to net income (ytd only)* | 63.0687% | 1,424 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8297% | 2,774 |
| Loan loss allowance to noncurrent loans | 186.1470% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,301 |
| Noncurrent loans to loans | 0.9829% | 4,742 |
| Net loans and leases to total assets | 44.0392% | 6,209 |
| Net loans and leases to deposits | 48.5005% | 6,465 |
| Net loans and leases to core deposits | 50.9139% | 6,482 |
| Total domestic deposits to total assets | 90.8016% | 586 |
| Equity capital to assets | 8.3393% | 6,314 |
| Core capital (leverage) ratio | 7.8685% | 6,385 |
| Tier 1 risk-based capital ratio | 16.2609% | 2,925 |
| Total risk-based capital ratio | 17.5175% | 2,887 |
| Memoranda: |
| Average total assets | $11,084,904,400 | 96 |
| Average earning assets | $10,519,514,400 | 90 |
| Average equity | $917,447,400 | 128 |
| Average total loans | $4,877,834,400 | 125 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6876% | 4,515 |
| Cost of funding earning assets | 0.4205% | 6,960 |
| Net interest margin | 4.2670% | 1,842 |
| Noninterest income to average assets | 0.8855% | 1,703 |
| Noninterest expense to average assets | 2.3840% | 5,808 |
| Loan and lease loss provision to assets | 0.2100% | 3,926 |
| Net operating income to assets | 1.6306% | 736 |
| Return on assets (ROA) | 1.5990% | 847 |
| Pretax return on assets | 2.2926% | 358 |
| Return on Equity (ROE) | 19.3586% | 351 |
| Retained earnings to average equity (ytd only) | 8.3095% | 1,388 |
| Net charge-offs to loans | 0.4328% | 2,988 |
| Credit loss provision to net charge-offs | 110.8157% | 2,970 |
| Earnings coverage of net charge-offs (x) | 13.4468% | 1,617 |
| Efficiency ratio | 48.3342% | 6,941 |
| Assets per employee ($millions) | 8.1268% | 450 |
| Cash dividends to net income (ytd only)* | 57.0759% | 1,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8763% | 2,694 |
| Loan loss allowance to noncurrent loans | 140.6803% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 5,104 |
| Noncurrent loans to loans | 1.3338% | 4,302 |
| Net loans and leases to total assets | 43.0961% | 6,423 |
| Net loans and leases to deposits | 47.6842% | 6,640 |
| Net loans and leases to core deposits | 50.0809% | 6,664 |
| Total domestic deposits to total assets | 90.3783% | 687 |
| Equity capital to assets | 8.3528% | 6,441 |
| Core capital (leverage) ratio | 7.8022% | 6,560 |
| Tier 1 risk-based capital ratio | 16.0646% | 3,084 |
| Total risk-based capital ratio | 17.3212% | 3,041 |
| Memoranda: |
| Average total assets | $10,956,843,500 | 97 |
| Average earning assets | $10,389,855,750 | 92 |
| Average equity | $905,029,000 | 130 |
| Average total loans | $4,796,672,750 | 125 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7364% | 4,361 |
| Cost of funding earning assets | 0.4471% | 7,017 |
| Net interest margin | 4.2893% | 1,706 |
| Noninterest income to average assets | 0.8788% | 1,720 |
| Noninterest expense to average assets | 2.3775% | 5,911 |
| Loan and lease loss provision to assets | 0.2510% | 3,396 |
| Net operating income to assets | 1.6104% | 716 |
| Return on assets (ROA) | 1.5911% | 788 |
| Pretax return on assets | 2.2879% | 358 |
| Return on Equity (ROE) | 19.3395% | 357 |
| Retained earnings to average equity (ytd only) | 8.1025% | 1,428 |
| Net charge-offs to loans | 0.3407% | 3,201 |
| Credit loss provision to net charge-offs | 168.4746% | 1,795 |
| Earnings coverage of net charge-offs (x) | 17.2271% | 1,309 |
| Efficiency ratio | 48.0833% | 7,059 |
| Assets per employee ($millions) | 7.9009% | 475 |
| Cash dividends to net income (ytd only)* | 58.1037% | 1,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0111% | 2,339 |
| Loan loss allowance to noncurrent loans | 144.2853% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 5,150 |
| Noncurrent loans to loans | 1.3938% | 4,321 |
| Net loans and leases to total assets | 42.9913% | 6,523 |
| Net loans and leases to deposits | 47.3373% | 6,763 |
| Net loans and leases to core deposits | 49.5863% | 6,774 |
| Total domestic deposits to total assets | 90.8191% | 577 |
| Equity capital to assets | 8.3012% | 6,425 |
| Core capital (leverage) ratio | 7.6795% | 6,607 |
| Tier 1 risk-based capital ratio | 15.8616% | 3,051 |
| Total risk-based capital ratio | 17.1193% | 3,021 |
| Memoranda: |
| Average total assets | $10,816,595,000 | 102 |
| Average earning assets | $10,251,138,330 | 94 |
| Average equity | $889,921,330 | 132 |
| Average total loans | $4,729,876,670 | 127 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7649% | 4,228 |
| Cost of funding earning assets | 0.4485% | 7,113 |
| Net interest margin | 4.3164% | 1,512 |
| Noninterest income to average assets | 0.8816% | 1,724 |
| Noninterest expense to average assets | 2.3852% | 5,927 |
| Loan and lease loss provision to assets | 0.1693% | 3,931 |
| Net operating income to assets | 1.6824% | 590 |
| Return on assets (ROA) | 1.6575% | 647 |
| Pretax return on assets | 2.3888% | 292 |
| Return on Equity (ROE) | 20.7209% | 306 |
| Retained earnings to average equity (ytd only) | 8.8742% | 1,417 |
| Net charge-offs to loans | 0.3433% | 2,689 |
| Credit loss provision to net charge-offs | 113.8089% | 2,359 |
| Earnings coverage of net charge-offs (x) | 17.4372% | 1,222 |
| Efficiency ratio | 47.8948% | 7,120 |
| Assets per employee ($millions) | 7.9471% | 478 |
| Cash dividends to net income (ytd only)* | 57.1729% | 1,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9538% | 2,532 |
| Loan loss allowance to noncurrent loans | 147.2747% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 5,224 |
| Noncurrent loans to loans | 1.3266% | 4,482 |
| Net loans and leases to total assets | 42.3452% | 6,589 |
| Net loans and leases to deposits | 46.5197% | 6,821 |
| Net loans and leases to core deposits | 48.0999% | 6,874 |
| Total domestic deposits to total assets | 91.0264% | 619 |
| Equity capital to assets | 7.9421% | 6,551 |
| Core capital (leverage) ratio | 7.6616% | 6,588 |
| Tier 1 risk-based capital ratio | 15.3251% | 3,249 |
| Total risk-based capital ratio | 16.5817% | 3,205 |
| Memoranda: |
| Average total assets | $10,552,699,000 | 107 |
| Average earning assets | $10,018,613,000 | 98 |
| Average equity | $844,112,500 | 135 |
| Average total loans | $4,573,635,500 | 134 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0138% | 4,492 |
| Cost of funding earning assets | 0.6149% | 7,096 |
| Net interest margin | 4.3989% | 1,476 |
| Noninterest income to average assets | 0.9874% | 1,549 |
| Noninterest expense to average assets | 2.4339% | 6,000 |
| Loan and lease loss provision to assets | 0.3511% | 4,023 |
| Net operating income to assets | 1.6618% | 559 |
| Return on assets (ROA) | 1.5943% | 679 |
| Pretax return on assets | 2.2646% | 270 |
| Return on Equity (ROE) | 20.5150% | 223 |
| Retained earnings to average equity (ytd only) | 7.7655% | 1,054 |
| Net charge-offs to loans | 0.4841% | 3,683 |
| Credit loss provision to net charge-offs | 171.2025% | 1,973 |
| Earnings coverage of net charge-offs (x) | 13.2262% | 1,430 |
| Efficiency ratio | 47.2908% | 7,294 |
| Assets per employee ($millions) | 7.6023% | 566 |
| Cash dividends to net income (ytd only)* | 62.1471% | 1,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9906% | 2,327 |
| Loan loss allowance to noncurrent loans | 156.3038% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 5,246 |
| Noncurrent loans to loans | 1.2736% | 4,587 |
| Net loans and leases to total assets | 42.6318% | 6,813 |
| Net loans and leases to deposits | 46.7823% | 7,007 |
| Net loans and leases to core deposits | 48.4429% | 7,051 |
| Total domestic deposits to total assets | 91.1280% | 543 |
| Equity capital to assets | 8.0578% | 6,433 |
| Core capital (leverage) ratio | 7.6067% | 6,615 |
| Tier 1 risk-based capital ratio | 15.2091% | 3,146 |
| Total risk-based capital ratio | 16.4659% | 3,094 |
| Memoranda: |
| Average total assets | $10,264,230,400 | 108 |
| Average earning assets | $9,703,502,200 | 99 |
| Average equity | $797,679,000 | 135 |
| Average total loans | $4,347,909,000 | 137 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4572% | 2,617 |
| Cost of funding earning assets | 0.5927% | 7,305 |
| Net interest margin | 4.8645% | 591 |
| Noninterest income to average assets | 1.7861% | 459 |
| Noninterest expense to average assets | 2.8878% | 4,137 |
| Loan and lease loss provision to assets | 0.6383% | 2,394 |
| Net operating income to assets | 1.9388% | 374 |
| Return on assets (ROA) | 1.8890% | 464 |
| Pretax return on assets | 2.7965% | 158 |
| Return on Equity (ROE) | 25.3616% | 113 |
| Retained earnings to average equity (ytd only) | 3.9341% | 3,706 |
| Net charge-offs to loans | 1.1973% | 1,704 |
| Credit loss provision to net charge-offs | 115.1313% | 3,627 |
| Earnings coverage of net charge-offs (x) | 6.3280% | 2,544 |
| Efficiency ratio | 45.1511% | 7,421 |
| Assets per employee ($millions) | 9.7847% | 275 |
| Cash dividends to net income (ytd only)* | 84.4880% | 552 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3186% | 1,598 |
| Loan loss allowance to noncurrent loans | 192.7009% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,571 |
| Noncurrent loans to loans | 1.2032% | 4,836 |
| Net loans and leases to total assets | 42.9533% | 6,912 |
| Net loans and leases to deposits | 50.3060% | 6,995 |
| Net loans and leases to core deposits | 52.4789% | 7,028 |
| Total domestic deposits to total assets | 85.3840% | 3,416 |
| Equity capital to assets | 7.4220% | 7,169 |
| Core capital (leverage) ratio | 7.4311% | 6,899 |
| Tier 1 risk-based capital ratio | 12.4860% | 4,997 |
| Total risk-based capital ratio | 13.7451% | 4,966 |
| Memoranda: |
| Average total assets | $1,044,269,000 | 636 |
| Average earning assets | $989,595,500 | 603 |
| Average equity | $77,779,750 | 854 |
| Average total loans | $483,509,500 | 935 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5625% | 2,281 |
| Cost of funding earning assets | 0.6247% | 7,353 |
| Net interest margin | 4.9378% | 491 |
| Noninterest income to average assets | 1.7546% | 430 |
| Noninterest expense to average assets | 2.8697% | 4,190 |
| Loan and lease loss provision to assets | 0.7822% | 1,841 |
| Net operating income to assets | 1.8909% | 403 |
| Return on assets (ROA) | 1.7943% | 534 |
| Pretax return on assets | 2.6320% | 193 |
| Return on Equity (ROE) | 24.0596% | 149 |
| Retained earnings to average equity (ytd only) | -0.8251% | 5,929 |
| Net charge-offs to loans | 1.3775% | 1,380 |
| Credit loss provision to net charge-offs | 120.4573% | 3,368 |
| Earnings coverage of net charge-offs (x) | 5.4765% | 2,659 |
| Efficiency ratio | 44.6586% | 7,501 |
| Assets per employee ($millions) | 9.8836% | 264 |
| Cash dividends to net income (ytd only)* | 103.4295% | 424 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3164% | 1,555 |
| Loan loss allowance to noncurrent loans | 194.7931% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0792% | 4,974 |
| Noncurrent loans to loans | 1.1892% | 4,971 |
| Net loans and leases to total assets | 45.0518% | 6,846 |
| Net loans and leases to deposits | 51.1955% | 7,013 |
| Net loans and leases to core deposits | 53.4145% | 7,063 |
| Total domestic deposits to total assets | 87.9996% | 2,003 |
| Equity capital to assets | 7.3847% | 7,172 |
| Core capital (leverage) ratio | 7.1426% | 7,102 |
| Tier 1 risk-based capital ratio | 12.1778% | 5,148 |
| Total risk-based capital ratio | 13.4371% | 5,112 |
| Memoranda: |
| Average total assets | $1,023,803,330 | 648 |
| Average earning assets | $968,528,330 | 616 |
| Average equity | $76,352,000 | 862 |
| Average total loans | $482,615,000 | 949 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6514% | 1,954 |
| Cost of funding earning assets | 0.6373% | 7,479 |
| Net interest margin | 5.0142% | 408 |
| Noninterest income to average assets | 1.6251% | 474 |
| Noninterest expense to average assets | 2.8324% | 4,360 |
| Loan and lease loss provision to assets | 0.7687% | 1,648 |
| Net operating income to assets | 1.9035% | 408 |
| Return on assets (ROA) | 1.7042% | 664 |
| Pretax return on assets | 2.4768% | 261 |
| Return on Equity (ROE) | 22.7345% | 240 |
| Retained earnings to average equity (ytd only) | -3.7626% | 6,472 |
| Net charge-offs to loans | 1.1124% | 1,513 |
| Credit loss provision to net charge-offs | 144.9438% | 2,457 |
| Earnings coverage of net charge-offs (x) | 6.6644% | 2,189 |
| Efficiency ratio | 44.4874% | 7,604 |
| Assets per employee ($millions) | 9.0906% | 350 |
| Cash dividends to net income (ytd only)* | 116.5501% | 457 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3319% | 1,527 |
| Loan loss allowance to noncurrent loans | 179.3445% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 5,149 |
| Noncurrent loans to loans | 1.3003% | 4,803 |
| Net loans and leases to total assets | 45.7383% | 6,846 |
| Net loans and leases to deposits | 52.5021% | 7,008 |
| Net loans and leases to core deposits | 54.8612% | 7,058 |
| Total domestic deposits to total assets | 87.1171% | 2,570 |
| Equity capital to assets | 7.3847% | 7,152 |
| Core capital (leverage) ratio | 7.5266% | 6,827 |
| Tier 1 risk-based capital ratio | 12.5167% | 4,729 |
| Total risk-based capital ratio | 13.7775% | 4,677 |
| Memoranda: |
| Average total assets | $1,006,934,000 | 674 |
| Average earning assets | $952,183,500 | 640 |
| Average equity | $75,480,000 | 876 |
| Average total loans | $480,052,500 | 984 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9040% | 2,215 |
| Cost of funding earning assets | 1.0103% | 7,186 |
| Net interest margin | 4.8937% | 569 |
| Noninterest income to average assets | 1.9841% | 381 |
| Noninterest expense to average assets | 2.9186% | 4,468 |
| Loan and lease loss provision to assets | 0.9177% | 2,446 |
| Net operating income to assets | 1.8944% | 292 |
| Return on assets (ROA) | 1.9016% | 299 |
| Pretax return on assets | 2.7968% | 112 |
| Return on Equity (ROE) | 27.3855% | 68 |
| Retained earnings to average equity (ytd only) | 12.1770% | 196 |
| Net charge-offs to loans | 1.3845% | 1,811 |
| Credit loss provision to net charge-offs | 138.8966% | 3,528 |
| Earnings coverage of net charge-offs (x) | 5.6061% | 2,545 |
| Efficiency ratio | 44.0695% | 7,773 |
| Assets per employee ($millions) | 8.8092% | 372 |
| Cash dividends to net income (ytd only)* | 55.5348% | 2,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2163% | 1,620 |
| Loan loss allowance to noncurrent loans | 134.0530% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 4,816 |
| Noncurrent loans to loans | 1.6533% | 4,169 |
| Net loans and leases to total assets | 47.4776% | 6,847 |
| Net loans and leases to deposits | 54.4048% | 7,024 |
| Net loans and leases to core deposits | 60.3028% | 7,254 |
| Total domestic deposits to total assets | 87.2674% | 2,345 |
| Equity capital to assets | 7.6119% | 6,936 |
| Core capital (leverage) ratio | 7.4823% | 6,808 |
| Tier 1 risk-based capital ratio | 12.7142% | 4,352 |
| Total risk-based capital ratio | 13.9732% | 4,283 |
| Memoranda: |
| Average total assets | $984,826,600 | 681 |
| Average earning assets | $933,482,400 | 649 |
| Average equity | $68,382,800 | 960 |
| Average total loans | $470,000,600 | 1,027 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9147% | 2,384 |
| Cost of funding earning assets | 1.0693% | 7,247 |
| Net interest margin | 4.8453% | 634 |
| Noninterest income to average assets | 1.9967% | 369 |
| Noninterest expense to average assets | 2.9275% | 4,327 |
| Loan and lease loss provision to assets | 1.0288% | 1,865 |
| Net operating income to assets | 1.7930% | 451 |
| Return on assets (ROA) | 1.8060% | 466 |
| Pretax return on assets | 2.6588% | 153 |
| Return on Equity (ROE) | 26.6527% | 93 |
| Retained earnings to average equity (ytd only) | 13.8600% | 203 |
| Net charge-offs to loans | 1.4384% | 1,437 |
| Credit loss provision to net charge-offs | 150.5351% | 3,187 |
| Earnings coverage of net charge-offs (x) | 5.3674% | 2,842 |
| Efficiency ratio | 44.3838% | 7,825 |
| Assets per employee ($millions) | 9.1082% | 356 |
| Cash dividends to net income (ytd only)* | 47.9976% | 2,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2176% | 1,392 |
| Loan loss allowance to noncurrent loans | 199.8684% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 5,880 |
| Noncurrent loans to loans | 1.1095% | 5,096 |
| Net loans and leases to total assets | 46.3841% | 7,077 |
| Net loans and leases to deposits | 52.3857% | 7,289 |
| Net loans and leases to core deposits | 57.9249% | 7,469 |
| Total domestic deposits to total assets | 88.5435% | 1,413 |
| Equity capital to assets | 7.3566% | 7,394 |
| Core capital (leverage) ratio | 7.4424% | 7,041 |
| Tier 1 risk-based capital ratio | 12.3930% | 4,638 |
| Total risk-based capital ratio | 13.6520% | 4,572 |
| Memoranda: |
| Average total assets | $984,376,000 | 692 |
| Average earning assets | $934,378,250 | 663 |
| Average equity | $66,703,250 | 1,003 |
| Average total loans | $467,739,500 | 1,049 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0292% | 2,058 |
| Cost of funding earning assets | 1.1527% | 7,233 |
| Net interest margin | 4.8765% | 565 |
| Noninterest income to average assets | 1.9982% | 374 |
| Noninterest expense to average assets | 2.9068% | 4,477 |
| Loan and lease loss provision to assets | 1.0415% | 1,632 |
| Net operating income to assets | 1.8130% | 447 |
| Return on assets (ROA) | 1.8366% | 461 |
| Pretax return on assets | 2.7067% | 151 |
| Return on Equity (ROE) | 27.9302% | 93 |
| Retained earnings to average equity (ytd only) | 11.0935% | 548 |
| Net charge-offs to loans | 1.5360% | 1,234 |
| Credit loss provision to net charge-offs | 142.6165% | 3,261 |
| Earnings coverage of net charge-offs (x) | 5.0851% | 2,921 |
| Efficiency ratio | 43.9070% | 7,928 |
| Assets per employee ($millions) | 8.7089% | 386 |
| Cash dividends to net income (ytd only)* | 60.2813% | 1,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0067% | 1,552 |
| Loan loss allowance to noncurrent loans | 142.5835% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 5,670 |
| Noncurrent loans to loans | 1.4074% | 4,396 |
| Net loans and leases to total assets | 46.8239% | 7,139 |
| Net loans and leases to deposits | 52.6491% | 7,349 |
| Net loans and leases to core deposits | 58.2304% | 7,517 |
| Total domestic deposits to total assets | 88.9358% | 1,295 |
| Equity capital to assets | 6.7964% | 7,713 |
| Core capital (leverage) ratio | 7.0834% | 7,472 |
| Tier 1 risk-based capital ratio | 11.5067% | 5,375 |
| Total risk-based capital ratio | 12.7628% | 5,293 |
| Memoranda: |
| Average total assets | $975,499,000 | 713 |
| Average earning assets | $924,638,330 | 682 |
| Average equity | $64,145,670 | 1,059 |
| Average total loans | $463,792,000 | 1,071 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1400% | 1,795 |
| Cost of funding earning assets | 1.2976% | 7,018 |
| Net interest margin | 4.8424% | 556 |
| Noninterest income to average assets | 1.9691% | 377 |
| Noninterest expense to average assets | 2.8297% | 4,428 |
| Loan and lease loss provision to assets | 0.4164% | 2,837 |
| Net operating income to assets | 2.2104% | 225 |
| Return on assets (ROA) | 2.2575% | 246 |
| Pretax return on assets | 3.3870% | 88 |
| Return on Equity (ROE) | 34.9409% | 59 |
| Retained earnings to average equity (ytd only) | 15.6436% | 366 |
| Net charge-offs to loans | 0.9299% | 1,425 |
| Credit loss provision to net charge-offs | 94.4392% | 3,909 |
| Earnings coverage of net charge-offs (x) | 8.4665% | 2,185 |
| Efficiency ratio | 43.1168% | 7,961 |
| Assets per employee ($millions) | 8.7103% | 391 |
| Cash dividends to net income (ytd only)* | 55.2283% | 1,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7157% | 2,089 |
| Loan loss allowance to noncurrent loans | 164.3530% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 5,907 |
| Noncurrent loans to loans | 1.0439% | 4,896 |
| Net loans and leases to total assets | 47.1341% | 7,089 |
| Net loans and leases to deposits | 54.1036% | 7,279 |
| Net loans and leases to core deposits | 59.3413% | 7,481 |
| Total domestic deposits to total assets | 87.1181% | 2,160 |
| Equity capital to assets | 6.5655% | 7,849 |
| Core capital (leverage) ratio | 7.0050% | 7,630 |
| Tier 1 risk-based capital ratio | 11.4195% | 5,484 |
| Total risk-based capital ratio | 12.6724% | 5,386 |
| Memoranda: |
| Average total assets | $962,489,500 | 723 |
| Average earning assets | $913,093,500 | 689 |
| Average equity | $62,185,000 | 1,098 |
| Average total loans | $456,411,500 | 1,099 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3366% | 3,751 |
| Cost of funding earning assets | 1.8972% | 6,733 |
| Net interest margin | 4.4395% | 1,560 |
| Noninterest income to average assets | 1.8680% | 387 |
| Noninterest expense to average assets | 2.7386% | 5,096 |
| Loan and lease loss provision to assets | 0.7208% | 2,049 |
| Net operating income to assets | 1.8324% | 519 |
| Return on assets (ROA) | 1.3178% | 1,389 |
| Pretax return on assets | 1.8703% | 815 |
| Return on Equity (ROE) | 19.8701% | 386 |
| Retained earnings to average equity (ytd only) | 4.2027% | 2,507 |
| Net charge-offs to loans | 0.9284% | 1,333 |
| Credit loss provision to net charge-offs | 182.0124% | 2,747 |
| Earnings coverage of net charge-offs (x) | 8.3992% | 2,890 |
| Efficiency ratio | 45.1543% | 7,966 |
| Assets per employee ($millions) | 8.7104% | 373 |
| Cash dividends to net income (ytd only)* | 78.8490% | 1,769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8172% | 1,588 |
| Loan loss allowance to noncurrent loans | 194.6558% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 5,841 |
| Noncurrent loans to loans | 0.9335% | 4,744 |
| Net loans and leases to total assets | 46.0165% | 7,328 |
| Net loans and leases to deposits | 54.3979% | 7,412 |
| Net loans and leases to core deposits | 59.0291% | 7,627 |
| Total domestic deposits to total assets | 84.5923% | 3,030 |
| Equity capital to assets | 6.3533% | 7,977 |
| Core capital (leverage) ratio | 6.6564% | 7,869 |
| Tier 1 risk-based capital ratio | 11.8153% | 4,973 |
| Total risk-based capital ratio | 13.0664% | 4,874 |
| Memoranda: |
| Average total assets | $933,515,200 | 716 |
| Average earning assets | $882,519,200 | 684 |
| Average equity | $61,912,200 | 1,083 |
| Average total loans | $398,223,800 | 1,217 |
