| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8534% | 774 |
| Cost of funding earning assets | 2.3268% | 522 |
| Net interest margin | 3.5266% | 2,128 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.5294% | 2,220 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0485% | 2,065 |
| Return on assets (ROA) | 0.9619% | 2,322 |
| Pretax return on assets | 1.2044% | 2,126 |
| Return on Equity (ROE) | 8.9000% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.3503% | 2,466 |
| Net charge-offs to loans | 0.0064% | 2,458 |
| Credit loss provision to net charge-offs | 2,771.1921% | 177 |
| Earnings coverage of net charge-offs (x) | 281.6887% | 456 |
| Efficiency ratio | 64.7559% | 2,516 |
| Assets per employee ($millions) | 7.9129% | 1,483 |
| Cash dividends to net income (ytd only)* | 39.8919% | 2,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5863% | 864 |
| Loan loss allowance to noncurrent loans | 182.9852% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 780 |
| Noncurrent loans to loans | 0.8669% | 881 |
| Net loans and leases to total assets | 74.0800% | 1,357 |
| Net loans and leases to deposits | 88.2359% | 1,409 |
| Net loans and leases to core deposits | 95.4130% | 1,688 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 11.5131% | 1,281 |
| Core capital (leverage) ratio | 11.0617% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2471% | 1,782 |
| Memoranda: |
| Average total assets | $12,769,143,400 | 136 |
| Average earning assets | $11,586,704,400 | 135 |
| Average equity | $1,379,969,000 | 127 |
| Average total loans | $9,435,808,400 | 130 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7779% | 708 |
| Cost of funding earning assets | 2.2521% | 453 |
| Net interest margin | 3.5257% | 2,159 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.5315% | 2,128 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0810% | 2,113 |
| Return on assets (ROA) | 0.9661% | 2,456 |
| Pretax return on assets | 1.2179% | 2,254 |
| Return on Equity (ROE) | 9.0900% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.1224% | 2,895 |
| Net charge-offs to loans | 0.0235% | 1,615 |
| Credit loss provision to net charge-offs | 818.9645% | 455 |
| Earnings coverage of net charge-offs (x) | 80.2342% | 1,043 |
| Efficiency ratio | 63.8613% | 2,506 |
| Assets per employee ($millions) | 7.4535% | 1,669 |
| Cash dividends to net income (ytd only)* | 43.6187% | 1,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5561% | 972 |
| Loan loss allowance to noncurrent loans | 170.1983% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 807 |
| Noncurrent loans to loans | 0.9143% | 901 |
| Net loans and leases to total assets | 74.1400% | 1,324 |
| Net loans and leases to deposits | 86.7659% | 1,485 |
| Net loans and leases to core deposits | 92.2018% | 1,783 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 10.9716% | 1,354 |
| Core capital (leverage) ratio | 10.7699% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8249% | 1,959 |
| Memoranda: |
| Average total assets | $12,814,073,250 | 137 |
| Average earning assets | $11,617,704,750 | 137 |
| Average equity | $1,362,601,500 | 131 |
| Average total loans | $9,425,603,000 | 132 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6148% | 715 |
| Cost of funding earning assets | 2.1066% | 406 |
| Net interest margin | 3.5082% | 2,246 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.4864% | 2,242 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.1284% | 2,041 |
| Return on assets (ROA) | 1.1288% | 2,035 |
| Pretax return on assets | 1.4376% | 1,730 |
| Return on Equity (ROE) | 10.7200% | 2,498 |
| Retained earnings to average equity (ytd only) | 6.0214% | 2,613 |
| Net charge-offs to loans | 0.0233% | 1,414 |
| Credit loss provision to net charge-offs | 688.3636% | 528 |
| Earnings coverage of net charge-offs (x) | 83.9209% | 1,026 |
| Efficiency ratio | 62.7566% | 2,618 |
| Assets per employee ($millions) | 7.5735% | 1,563 |
| Cash dividends to net income (ytd only)* | 43.8548% | 1,542 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4924% | 1,204 |
| Loan loss allowance to noncurrent loans | 191.0573% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 921 |
| Noncurrent loans to loans | 0.7811% | 973 |
| Net loans and leases to total assets | 72.1600% | 1,512 |
| Net loans and leases to deposits | 85.2749% | 1,564 |
| Net loans and leases to core deposits | 90.9612% | 1,739 |
| Total domestic deposits to total assets | 84.6100% | 2,657 |
| Equity capital to assets | 10.7475% | 1,492 |
| Core capital (leverage) ratio | 10.4287% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6484% | 2,037 |
| Memoranda: |
| Average total assets | $12,928,846,667 | 133 |
| Average earning assets | $11,739,866,333 | 133 |
| Average equity | $1,360,756,667 | 128 |
| Average total loans | $9,437,109,667 | 128 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4267% | 692 |
| Cost of funding earning assets | 1.8854% | 379 |
| Net interest margin | 3.5413% | 2,260 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.4638% | 2,338 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1447% | 2,085 |
| Return on assets (ROA) | 1.1464% | 2,047 |
| Pretax return on assets | 1.4530% | 1,761 |
| Return on Equity (ROE) | 11.0100% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,259 |
| Net charge-offs to loans | 0.0161% | 1,371 |
| Credit loss provision to net charge-offs | 1,315.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 124.9974% | 692 |
| Efficiency ratio | 61.9165% | 2,710 |
| Assets per employee ($millions) | 7.6745% | 1,519 |
| Cash dividends to net income (ytd only)* | 63.2724% | 898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4691% | 1,373 |
| Loan loss allowance to noncurrent loans | 184.3756% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 837 |
| Noncurrent loans to loans | 0.7968% | 968 |
| Net loans and leases to total assets | 71.1100% | 1,509 |
| Net loans and leases to deposits | 83.1370% | 1,563 |
| Net loans and leases to core deposits | 87.5948% | 1,769 |
| Total domestic deposits to total assets | 85.5300% | 2,713 |
| Equity capital to assets | 10.4373% | 1,598 |
| Core capital (leverage) ratio | 10.1520% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2888% | 2,276 |
| Memoranda: |
| Average total assets | $12,959,572,000 | 136 |
| Average earning assets | $11,752,453,000 | 137 |
| Average equity | $1,349,671,000 | 131 |
| Average total loans | $9,443,087,000 | 129 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2239% | 1,202 |
| Cost of funding earning assets | 0.5933% | 930 |
| Net interest margin | 3.6307% | 1,550 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 2.7858% | 1,344 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0046% | 2,548 |
| Return on assets (ROA) | 1.0021% | 2,503 |
| Pretax return on assets | 1.2901% | 2,122 |
| Return on Equity (ROE) | 9.3100% | 3,030 |
| Retained earnings to average equity (ytd only) | 5.6644% | 2,765 |
| Net charge-offs to loans | 0.0199% | 1,696 |
| Credit loss provision to net charge-offs | 590.5114% | 611 |
| Earnings coverage of net charge-offs (x) | 102.6136% | 963 |
| Efficiency ratio | 64.9758% | 2,367 |
| Assets per employee ($millions) | 7.3002% | 1,754 |
| Cash dividends to net income (ytd only)* | 39.1274% | 1,959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4219% | 1,432 |
| Loan loss allowance to noncurrent loans | 164.9645% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 720 |
| Noncurrent loans to loans | 0.8619% | 867 |
| Net loans and leases to total assets | 72.5300% | 1,360 |
| Net loans and leases to deposits | 85.6761% | 1,340 |
| Net loans and leases to core deposits | 90.3109% | 1,487 |
| Total domestic deposits to total assets | 84.6600% | 3,071 |
| Equity capital to assets | 10.3912% | 1,509 |
| Core capital (leverage) ratio | 10.3654% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9352% | 2,399 |
| Memoranda: |
| Average total assets | $12,496,866,600 | 141 |
| Average earning assets | $11,394,571,400 | 139 |
| Average equity | $1,345,817,600 | 135 |
| Average total loans | $8,863,310,600 | 135 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9176% | 1,444 |
| Cost of funding earning assets | 0.3627% | 1,591 |
| Net interest margin | 3.5549% | 1,506 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.8782% | 1,097 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.9365% | 2,732 |
| Return on assets (ROA) | 0.9330% | 2,714 |
| Pretax return on assets | 1.2092% | 2,329 |
| Return on Equity (ROE) | 8.5900% | 3,146 |
| Retained earnings to average equity (ytd only) | 4.4596% | 3,303 |
| Net charge-offs to loans | 0.0202% | 1,430 |
| Credit loss provision to net charge-offs | 773.4894% | 479 |
| Earnings coverage of net charge-offs (x) | 100.0317% | 950 |
| Efficiency ratio | 66.0399% | 2,276 |
| Assets per employee ($millions) | 6.7382% | 2,137 |
| Cash dividends to net income (ytd only)* | 48.0587% | 1,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4560% | 1,435 |
| Loan loss allowance to noncurrent loans | 194.5769% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 866 |
| Noncurrent loans to loans | 0.7483% | 1,086 |
| Net loans and leases to total assets | 74.3800% | 1,066 |
| Net loans and leases to deposits | 90.8713% | 833 |
| Net loans and leases to core deposits | 95.1522% | 1,039 |
| Total domestic deposits to total assets | 81.8500% | 3,858 |
| Equity capital to assets | 10.4788% | 1,379 |
| Core capital (leverage) ratio | 10.5100% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7977% | 2,557 |
| Memoranda: |
| Average total assets | $12,414,479,750 | 142 |
| Average earning assets | $11,358,224,750 | 140 |
| Average equity | $1,349,066,750 | 137 |
| Average total loans | $8,719,722,500 | 136 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5779% | 1,911 |
| Cost of funding earning assets | 0.2473% | 2,307 |
| Net interest margin | 3.3305% | 1,817 |
| Noninterest income to average assets | 1.2004% | 476 |
| Noninterest expense to average assets | 2.9861% | 859 |
| Loan and lease loss provision to assets | 0.1294% | 753 |
| Net operating income to assets | 0.8832% | 2,658 |
| Return on assets (ROA) | 0.8798% | 2,642 |
| Pretax return on assets | 1.1446% | 2,256 |
| Return on Equity (ROE) | 8.0027% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.9711% | 3,458 |
| Net charge-offs to loans | 0.0313% | 1,097 |
| Credit loss provision to net charge-offs | 153.2487% | 1,082 |
| Earnings coverage of net charge-offs (x) | 59.5422% | 1,083 |
| Efficiency ratio | 69.1068% | 2,088 |
| Assets per employee ($millions) | 6.2974% | 2,481 |
| Cash dividends to net income (ytd only)* | 62.8736% | 986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4213% | 1,663 |
| Loan loss allowance to noncurrent loans | 277.0399% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,252 |
| Noncurrent loans to loans | 0.5130% | 1,597 |
| Net loans and leases to total assets | 71.9117% | 1,109 |
| Net loans and leases to deposits | 82.9960% | 1,183 |
| Net loans and leases to core deposits | 86.6467% | 1,289 |
| Total domestic deposits to total assets | 86.6448% | 3,059 |
| Equity capital to assets | 10.8564% | 1,280 |
| Core capital (leverage) ratio | 9.9568% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4044% | 2,341 |
| Memoranda: |
| Average total assets | $12,473,781,667 | 139 |
| Average earning assets | $11,475,467,000 | 138 |
| Average equity | $1,371,339,000 | 140 |
| Average total loans | $8,547,713,667 | 137 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2712% | 2,471 |
| Cost of funding earning assets | 0.2251% | 2,464 |
| Net interest margin | 3.0461% | 2,345 |
| Noninterest income to average assets | 1.3167% | 419 |
| Noninterest expense to average assets | 2.8284% | 1,103 |
| Loan and lease loss provision to assets | -0.1346% | 4,630 |
| Net operating income to assets | 1.1256% | 1,455 |
| Return on assets (ROA) | 1.1217% | 1,459 |
| Pretax return on assets | 1.4248% | 1,191 |
| Return on Equity (ROE) | 10.1423% | 1,910 |
| Retained earnings to average equity (ytd only) | 5.1993% | 2,513 |
| Net charge-offs to loans | -0.0295% | 4,080 |
| Credit loss provision to net charge-offs | 990.1454% | 343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6367% | 2,547 |
| Assets per employee ($millions) | 6.2890% | 2,567 |
| Cash dividends to net income (ytd only)* | 48.7371% | 1,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4289% | 1,801 |
| Loan loss allowance to noncurrent loans | 262.1959% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 1,385 |
| Noncurrent loans to loans | 0.5450% | 1,677 |
| Net loans and leases to total assets | 65.4167% | 1,469 |
| Net loans and leases to deposits | 75.1317% | 1,513 |
| Net loans and leases to core deposits | 77.1491% | 1,691 |
| Total domestic deposits to total assets | 87.0694% | 2,900 |
| Equity capital to assets | 10.7963% | 1,444 |
| Core capital (leverage) ratio | 9.8246% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7989% | 2,304 |
| Memoranda: |
| Average total assets | $12,621,061,500 | 141 |
| Average earning assets | $11,629,141,500 | 140 |
| Average equity | $1,395,893,500 | 140 |
| Average total loans | $8,379,294,500 | 139 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5410% | 2,541 |
| Cost of funding earning assets | 0.3236% | 2,169 |
| Net interest margin | 3.2175% | 2,565 |
| Noninterest income to average assets | 1.9150% | 341 |
| Noninterest expense to average assets | 3.1297% | 812 |
| Loan and lease loss provision to assets | -0.3452% | 4,792 |
| Net operating income to assets | 1.6070% | 786 |
| Return on assets (ROA) | 1.6073% | 825 |
| Pretax return on assets | 2.0767% | 524 |
| Return on Equity (ROE) | 13.8607% | 1,226 |
| Retained earnings to average equity (ytd only) | 4.9640% | 2,795 |
| Net charge-offs to loans | 0.0719% | 1,070 |
| Credit loss provision to net charge-offs | -668.2948% | 3,820 |
| Earnings coverage of net charge-offs (x) | 35.2240% | 1,504 |
| Efficiency ratio | 63.4399% | 2,653 |
| Assets per employee ($millions) | 6.4130% | 2,402 |
| Cash dividends to net income (ytd only)* | 64.1862% | 941 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5025% | 1,545 |
| Loan loss allowance to noncurrent loans | 239.0689% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 1,345 |
| Noncurrent loans to loans | 0.6285% | 1,578 |
| Net loans and leases to total assets | 65.4200% | 1,542 |
| Net loans and leases to deposits | 75.8060% | 1,582 |
| Net loans and leases to core deposits | 78.1359% | 1,749 |
| Total domestic deposits to total assets | 86.2993% | 2,801 |
| Equity capital to assets | 11.3254% | 1,588 |
| Core capital (leverage) ratio | 10.2412% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0801% | 2,212 |
| Memoranda: |
| Average total assets | $11,873,648,800 | 141 |
| Average earning assets | $10,870,941,800 | 143 |
| Average equity | $1,376,920,800 | 141 |
| Average total loans | $8,113,396,800 | 139 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5903% | 2,585 |
| Cost of funding earning assets | 0.3504% | 2,112 |
| Net interest margin | 3.2400% | 2,611 |
| Noninterest income to average assets | 1.9891% | 359 |
| Noninterest expense to average assets | 3.2088% | 700 |
| Loan and lease loss provision to assets | -0.3445% | 4,840 |
| Net operating income to assets | 1.6129% | 1,008 |
| Return on assets (ROA) | 1.6133% | 1,042 |
| Pretax return on assets | 2.0853% | 689 |
| Return on Equity (ROE) | 13.8253% | 1,437 |
| Retained earnings to average equity (ytd only) | 2.4695% | 4,065 |
| Net charge-offs to loans | 0.0595% | 1,045 |
| Credit loss provision to net charge-offs | -760.9627% | 3,784 |
| Earnings coverage of net charge-offs (x) | 42.4750% | 1,329 |
| Efficiency ratio | 63.8760% | 2,403 |
| Assets per employee ($millions) | 6.0108% | 2,685 |
| Cash dividends to net income (ytd only)* | 82.1381% | 360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7109% | 1,092 |
| Loan loss allowance to noncurrent loans | 286.6193% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 1,538 |
| Noncurrent loans to loans | 0.5969% | 1,820 |
| Net loans and leases to total assets | 67.9288% | 1,331 |
| Net loans and leases to deposits | 79.3671% | 1,342 |
| Net loans and leases to core deposits | 82.3731% | 1,542 |
| Total domestic deposits to total assets | 85.5881% | 2,917 |
| Equity capital to assets | 11.7377% | 1,526 |
| Core capital (leverage) ratio | 10.0114% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1600% | 2,306 |
| Memoranda: |
| Average total assets | $11,696,493,250 | 143 |
| Average earning assets | $10,685,369,250 | 142 |
| Average equity | $1,364,903,500 | 142 |
| Average total loans | $8,052,524,750 | 141 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5902% | 2,657 |
| Cost of funding earning assets | 0.3806% | 2,046 |
| Net interest margin | 3.2096% | 2,723 |
| Noninterest income to average assets | 1.9826% | 333 |
| Noninterest expense to average assets | 3.2009% | 718 |
| Loan and lease loss provision to assets | -0.4748% | 4,900 |
| Net operating income to assets | 1.6737% | 913 |
| Return on assets (ROA) | 1.6735% | 963 |
| Pretax return on assets | 2.1854% | 593 |
| Return on Equity (ROE) | 14.3695% | 1,314 |
| Retained earnings to average equity (ytd only) | -1.8253% | 4,662 |
| Net charge-offs to loans | 0.0301% | 1,365 |
| Credit loss provision to net charge-offs | -2,027.8743% | 3,834 |
| Earnings coverage of net charge-offs (x) | 82.5277% | 828 |
| Efficiency ratio | 64.1797% | 2,409 |
| Assets per employee ($millions) | 6.1083% | 2,517 |
| Cash dividends to net income (ytd only)* | 112.7026% | 201 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8037% | 878 |
| Loan loss allowance to noncurrent loans | 221.2954% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 1,279 |
| Noncurrent loans to loans | 0.8151% | 1,510 |
| Net loans and leases to total assets | 66.2907% | 1,665 |
| Net loans and leases to deposits | 76.9639% | 1,731 |
| Net loans and leases to core deposits | 80.0609% | 1,883 |
| Total domestic deposits to total assets | 86.1322% | 2,693 |
| Equity capital to assets | 11.4219% | 1,680 |
| Core capital (leverage) ratio | 9.7167% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2486% | 2,267 |
| Memoranda: |
| Average total assets | $11,664,279,333 | 142 |
| Average earning assets | $10,644,968,000 | 141 |
| Average equity | $1,358,457,000 | 142 |
| Average total loans | $8,019,906,333 | 142 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6104% | 2,608 |
| Cost of funding earning assets | 0.4225% | 1,920 |
| Net interest margin | 3.1879% | 2,740 |
| Noninterest income to average assets | 2.3037% | 296 |
| Noninterest expense to average assets | 3.2673% | 637 |
| Loan and lease loss provision to assets | -0.4795% | 4,914 |
| Net operating income to assets | 1.8587% | 708 |
| Return on assets (ROA) | 1.8578% | 766 |
| Pretax return on assets | 2.4114% | 511 |
| Return on Equity (ROE) | 15.7957% | 1,061 |
| Retained earnings to average equity (ytd only) | -6.2764% | 4,737 |
| Net charge-offs to loans | 0.0401% | 1,067 |
| Credit loss provision to net charge-offs | -1,448.5679% | 3,459 |
| Earnings coverage of net charge-offs (x) | 69.5405% | 758 |
| Efficiency ratio | 61.8719% | 2,780 |
| Assets per employee ($millions) | 6.3340% | 2,307 |
| Cash dividends to net income (ytd only)* | 139.7351% | 244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9604% | 645 |
| Loan loss allowance to noncurrent loans | 199.9038% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 1,206 |
| Noncurrent loans to loans | 0.9807% | 1,380 |
| Net loans and leases to total assets | 66.2650% | 1,764 |
| Net loans and leases to deposits | 76.8671% | 1,816 |
| Net loans and leases to core deposits | 80.3346% | 1,970 |
| Total domestic deposits to total assets | 86.2073% | 2,665 |
| Equity capital to assets | 11.2705% | 1,673 |
| Core capital (leverage) ratio | 9.9536% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2436% | 2,187 |
| Memoranda: |
| Average total assets | $11,556,050,500 | 142 |
| Average earning assets | $10,499,775,500 | 144 |
| Average equity | $1,359,181,000 | 141 |
| Average total loans | $8,019,618,000 | 142 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1076% | 2,398 |
| Cost of funding earning assets | 0.5988% | 2,322 |
| Net interest margin | 3.5088% | 2,446 |
| Noninterest income to average assets | 3.5490% | 156 |
| Noninterest expense to average assets | 4.6055% | 236 |
| Loan and lease loss provision to assets | 1.1206% | 69 |
| Net operating income to assets | 0.7730% | 3,195 |
| Return on assets (ROA) | 0.7862% | 3,268 |
| Pretax return on assets | 1.0229% | 2,965 |
| Return on Equity (ROE) | 6.4410% | 3,432 |
| Retained earnings to average equity (ytd only) | 1.7103% | 3,945 |
| Net charge-offs to loans | 0.1992% | 866 |
| Credit loss provision to net charge-offs | 769.0294% | 935 |
| Earnings coverage of net charge-offs (x) | 14.5958% | 2,205 |
| Efficiency ratio | 67.4723% | 2,301 |
| Assets per employee ($millions) | 6.0430% | 2,301 |
| Cash dividends to net income (ytd only)* | 73.4474% | 838 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1346% | 461 |
| Loan loss allowance to noncurrent loans | 240.1706% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 1,386 |
| Noncurrent loans to loans | 0.8888% | 1,586 |
| Net loans and leases to total assets | 69.8003% | 1,589 |
| Net loans and leases to deposits | 82.5474% | 1,595 |
| Net loans and leases to core deposits | 86.7224% | 1,810 |
| Total domestic deposits to total assets | 84.5579% | 2,928 |
| Equity capital to assets | 12.2847% | 1,430 |
| Core capital (leverage) ratio | 10.4643% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9584% | 1,864 |
| Memoranda: |
| Average total assets | $8,442,531,200 | 169 |
| Average earning assets | $7,659,456,600 | 166 |
| Average equity | $1,030,485,000 | 161 |
| Average total loans | $6,175,125,000 | 163 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1058% | 2,659 |
| Cost of funding earning assets | 0.6488% | 2,332 |
| Net interest margin | 3.4571% | 2,736 |
| Noninterest income to average assets | 3.7751% | 142 |
| Noninterest expense to average assets | 4.7818% | 209 |
| Loan and lease loss provision to assets | 1.6791% | 49 |
| Net operating income to assets | 0.3358% | 4,382 |
| Return on assets (ROA) | 0.3439% | 4,427 |
| Pretax return on assets | 0.4516% | 4,372 |
| Return on Equity (ROE) | 2.8290% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.8290% | 3,588 |
| Net charge-offs to loans | 0.0454% | 1,975 |
| Credit loss provision to net charge-offs | 5,019.8563% | 229 |
| Earnings coverage of net charge-offs (x) | 63.3930% | 1,063 |
| Efficiency ratio | 68.3276% | 2,134 |
| Assets per employee ($millions) | 6.0366% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2810% | 306 |
| Loan loss allowance to noncurrent loans | 421.4827% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 2,160 |
| Noncurrent loans to loans | 0.5412% | 2,446 |
| Net loans and leases to total assets | 71.3069% | 1,771 |
| Net loans and leases to deposits | 86.6067% | 1,634 |
| Net loans and leases to core deposits | 92.4964% | 1,753 |
| Total domestic deposits to total assets | 82.3341% | 3,330 |
| Equity capital to assets | 12.0272% | 1,659 |
| Core capital (leverage) ratio | 12.3782% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5628% | 1,632 |
| Memoranda: |
| Average total assets | $7,768,752,250 | 174 |
| Average earning assets | $7,027,164,750 | 175 |
| Average equity | $944,392,750 | 169 |
| Average total loans | $5,723,373,250 | 171 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4910% | 1,941 |
| Cost of funding earning assets | 0.7537% | 2,096 |
| Net interest margin | 3.7373% | 2,036 |
| Noninterest income to average assets | 3.7117% | 127 |
| Noninterest expense to average assets | 4.5402% | 246 |
| Loan and lease loss provision to assets | 1.5584% | 75 |
| Net operating income to assets | 0.7465% | 3,224 |
| Return on assets (ROA) | 0.7473% | 3,335 |
| Pretax return on assets | 0.9878% | 3,068 |
| Return on Equity (ROE) | 6.1115% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.1115% | 2,025 |
| Net charge-offs to loans | 0.0861% | 1,388 |
| Credit loss provision to net charge-offs | 2,443.7500% | 416 |
| Earnings coverage of net charge-offs (x) | 39.9107% | 1,250 |
| Efficiency ratio | 63.0608% | 2,944 |
| Assets per employee ($millions) | 4.8144% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1497% | 359 |
| Loan loss allowance to noncurrent loans | 324.8500% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 1,778 |
| Noncurrent loans to loans | 0.6618% | 2,208 |
| Net loans and leases to total assets | 71.0207% | 1,867 |
| Net loans and leases to deposits | 86.4957% | 1,715 |
| Net loans and leases to core deposits | 91.7127% | 1,928 |
| Total domestic deposits to total assets | 82.1089% | 3,342 |
| Equity capital to assets | 11.6349% | 1,884 |
| Core capital (leverage) ratio | 9.7429% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5427% | 2,378 |
| Memoranda: |
| Average total assets | $6,674,018,000 | 195 |
| Average earning assets | $6,024,541,000 | 192 |
| Average equity | $816,070,000 | 184 |
| Average total loans | $4,942,668,000 | 183 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8517% | 1,305 |
| Cost of funding earning assets | 0.9010% | 1,860 |
| Net interest margin | 3.9507% | 1,532 |
| Noninterest income to average assets | 2.6590% | 176 |
| Noninterest expense to average assets | 4.3711% | 342 |
| Loan and lease loss provision to assets | 1.7516% | 83 |
| Net operating income to assets | 0.0783% | 4,681 |
| Return on assets (ROA) | 0.0817% | 4,669 |
| Pretax return on assets | 0.0940% | 4,668 |
| Return on Equity (ROE) | 0.6506% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.6506% | 3,830 |
| Net charge-offs to loans | 0.1737% | 767 |
| Credit loss provision to net charge-offs | 1,346.3649% | 470 |
| Earnings coverage of net charge-offs (x) | 14.1560% | 1,611 |
| Efficiency ratio | 69.1432% | 2,493 |
| Assets per employee ($millions) | 4.5094% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8217% | 687 |
| Loan loss allowance to noncurrent loans | 287.4960% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 1,859 |
| Noncurrent loans to loans | 0.6336% | 2,403 |
| Net loans and leases to total assets | 72.2282% | 1,885 |
| Net loans and leases to deposits | 89.3449% | 1,590 |
| Net loans and leases to core deposits | 95.6143% | 1,830 |
| Total domestic deposits to total assets | 80.8420% | 3,702 |
| Equity capital to assets | 12.3591% | 1,826 |
| Core capital (leverage) ratio | 10.3754% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6520% | 2,863 |
| Memoranda: |
| Average total assets | $6,385,762,500 | 196 |
| Average earning assets | $5,744,300,500 | 195 |
| Average equity | $802,309,500 | 188 |
| Average total loans | $4,782,751,000 | 185 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4699% | 593 |
| Cost of funding earning assets | 1.0621% | 1,465 |
| Net interest margin | 4.4077% | 881 |
| Noninterest income to average assets | 2.3574% | 214 |
| Noninterest expense to average assets | 4.2546% | 394 |
| Loan and lease loss provision to assets | 0.1233% | 1,718 |
| Net operating income to assets | 1.4983% | 1,060 |
| Return on assets (ROA) | 1.4991% | 1,121 |
| Pretax return on assets | 1.9608% | 651 |
| Return on Equity (ROE) | 11.7057% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.7057% | 264 |
| Net charge-offs to loans | 0.1107% | 1,621 |
| Credit loss provision to net charge-offs | 145.5427% | 1,761 |
| Earnings coverage of net charge-offs (x) | 24.5881% | 1,767 |
| Efficiency ratio | 65.9070% | 2,780 |
| Assets per employee ($millions) | 4.3746% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6665% | 4,625 |
| Loan loss allowance to noncurrent loans | 113.8288% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7564% | 1,711 |
| Noncurrent loans to loans | 0.5855% | 2,428 |
| Net loans and leases to total assets | 75.8324% | 1,445 |
| Net loans and leases to deposits | 93.9552% | 1,155 |
| Net loans and leases to core deposits | 101.2464% | 1,465 |
| Total domestic deposits to total assets | 80.7113% | 3,832 |
| Equity capital to assets | 12.7868% | 1,652 |
| Core capital (leverage) ratio | 9.9314% | 3,592 |
| Tier 1 risk-based capital ratio | 11.4653% | 4,647 |
| Total risk-based capital ratio | 12.0680% | 4,827 |
| Memoranda: |
| Average total assets | $5,720,014,800 | 205 |
| Average earning assets | $5,165,348,400 | 204 |
| Average equity | $732,549,200 | 195 |
| Average total loans | $4,377,676,600 | 189 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5381% | 554 |
| Cost of funding earning assets | 1.0849% | 1,405 |
| Net interest margin | 4.4532% | 851 |
| Noninterest income to average assets | 2.3658% | 212 |
| Noninterest expense to average assets | 4.2890% | 368 |
| Loan and lease loss provision to assets | 0.0973% | 1,962 |
| Net operating income to assets | 1.5145% | 1,152 |
| Return on assets (ROA) | 1.5159% | 1,203 |
| Pretax return on assets | 2.0044% | 679 |
| Return on Equity (ROE) | 11.8317% | 1,678 |
| Retained earnings to average equity (ytd only) | 11.8317% | 405 |
| Net charge-offs to loans | 0.0487% | 2,143 |
| Credit loss provision to net charge-offs | 261.1712% | 1,051 |
| Earnings coverage of net charge-offs (x) | 56.3432% | 1,102 |
| Efficiency ratio | 65.9137% | 2,737 |
| Assets per employee ($millions) | 4.2880% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6765% | 4,692 |
| Loan loss allowance to noncurrent loans | 148.9984% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 2,169 |
| Noncurrent loans to loans | 0.4540% | 2,946 |
| Net loans and leases to total assets | 75.9189% | 1,501 |
| Net loans and leases to deposits | 93.7009% | 1,244 |
| Net loans and leases to core deposits | 100.9923% | 1,580 |
| Total domestic deposits to total assets | 81.0226% | 3,751 |
| Equity capital to assets | 12.5313% | 1,894 |
| Core capital (leverage) ratio | 9.8284% | 3,814 |
| Tier 1 risk-based capital ratio | 11.1108% | 4,857 |
| Total risk-based capital ratio | 11.7238% | 5,008 |
| Memoranda: |
| Average total assets | $5,619,993,000 | 209 |
| Average earning assets | $5,077,292,500 | 207 |
| Average equity | $720,045,250 | 200 |
| Average total loans | $4,304,055,750 | 194 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5780% | 489 |
| Cost of funding earning assets | 1.0857% | 1,353 |
| Net interest margin | 4.4923% | 784 |
| Noninterest income to average assets | 2.2599% | 221 |
| Noninterest expense to average assets | 4.3220% | 364 |
| Loan and lease loss provision to assets | 0.0831% | 2,178 |
| Net operating income to assets | 1.4459% | 1,306 |
| Return on assets (ROA) | 1.4486% | 1,352 |
| Pretax return on assets | 1.9152% | 807 |
| Return on Equity (ROE) | 11.2155% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.2155% | 520 |
| Net charge-offs to loans | 0.0509% | 1,917 |
| Credit loss provision to net charge-offs | 213.1332% | 1,152 |
| Earnings coverage of net charge-offs (x) | 51.1370% | 1,075 |
| Efficiency ratio | 67.2126% | 2,655 |
| Assets per employee ($millions) | 4.1265% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6574% | 4,784 |
| Loan loss allowance to noncurrent loans | 155.2465% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 2,251 |
| Noncurrent loans to loans | 0.4235% | 3,008 |
| Net loans and leases to total assets | 76.8005% | 1,419 |
| Net loans and leases to deposits | 93.9883% | 1,263 |
| Net loans and leases to core deposits | 103.4326% | 1,433 |
| Total domestic deposits to total assets | 81.7128% | 3,604 |
| Equity capital to assets | 12.3666% | 1,929 |
| Core capital (leverage) ratio | 9.7178% | 3,916 |
| Tier 1 risk-based capital ratio | 10.7354% | 5,022 |
| Total risk-based capital ratio | 11.3313% | 5,157 |
| Memoranda: |
| Average total assets | $5,465,120,000 | 213 |
| Average earning assets | $4,935,537,670 | 212 |
| Average equity | $705,899,000 | 203 |
| Average total loans | $4,188,462,000 | 198 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5674% | 460 |
| Cost of funding earning assets | 1.0575% | 1,347 |
| Net interest margin | 4.5098% | 725 |
| Noninterest income to average assets | 2.2112% | 214 |
| Noninterest expense to average assets | 4.1750% | 419 |
| Loan and lease loss provision to assets | 0.1063% | 1,675 |
| Net operating income to assets | 1.5404% | 1,029 |
| Return on assets (ROA) | 1.5430% | 1,049 |
| Pretax return on assets | 2.0158% | 621 |
| Return on Equity (ROE) | 11.6643% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.6643% | 677 |
| Net charge-offs to loans | 0.0510% | 1,558 |
| Credit loss provision to net charge-offs | 273.2809% | 874 |
| Earnings coverage of net charge-offs (x) | 54.4578% | 974 |
| Efficiency ratio | 65.4489% | 3,015 |
| Assets per employee ($millions) | 3.9122% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7389% | 4,691 |
| Loan loss allowance to noncurrent loans | 168.3646% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 2,352 |
| Noncurrent loans to loans | 0.4389% | 3,008 |
| Net loans and leases to total assets | 75.1093% | 1,623 |
| Net loans and leases to deposits | 92.7536% | 1,311 |
| Net loans and leases to core deposits | 103.1247% | 1,374 |
| Total domestic deposits to total assets | 80.9773% | 3,976 |
| Equity capital to assets | 13.2269% | 1,332 |
| Core capital (leverage) ratio | 11.1422% | 2,436 |
| Tier 1 risk-based capital ratio | 12.2990% | 4,299 |
| Total risk-based capital ratio | 12.9517% | 4,516 |
| Memoranda: |
| Average total assets | $5,232,803,500 | 222 |
| Average earning assets | $4,737,100,500 | 220 |
| Average equity | $692,195,500 | 206 |
| Average total loans | $3,990,585,500 | 208 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4029% | 477 |
| Cost of funding earning assets | 0.7634% | 1,722 |
| Net interest margin | 4.6395% | 558 |
| Noninterest income to average assets | 2.6479% | 185 |
| Noninterest expense to average assets | 4.4893% | 304 |
| Loan and lease loss provision to assets | 0.1099% | 2,003 |
| Net operating income to assets | 1.6967% | 700 |
| Return on assets (ROA) | 1.6949% | 699 |
| Pretax return on assets | 2.2328% | 329 |
| Return on Equity (ROE) | 13.1404% | 1,291 |
| Retained earnings to average equity (ytd only) | 13.1404% | 221 |
| Net charge-offs to loans | 0.0134% | 3,230 |
| Credit loss provision to net charge-offs | 1,064.6943% | 367 |
| Earnings coverage of net charge-offs (x) | 227.2860% | 412 |
| Efficiency ratio | 64.7388% | 3,078 |
| Assets per employee ($millions) | 3.7117% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7331% | 4,725 |
| Loan loss allowance to noncurrent loans | 136.4781% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 2,075 |
| Noncurrent loans to loans | 0.5372% | 2,664 |
| Net loans and leases to total assets | 76.3128% | 1,554 |
| Net loans and leases to deposits | 93.5136% | 1,333 |
| Net loans and leases to core deposits | 104.4068% | 1,382 |
| Total domestic deposits to total assets | 81.6060% | 3,755 |
| Equity capital to assets | 13.2291% | 1,241 |
| Core capital (leverage) ratio | 10.9234% | 2,601 |
| Tier 1 risk-based capital ratio | 11.8985% | 4,495 |
| Total risk-based capital ratio | 12.5451% | 4,725 |
| Memoranda: |
| Average total assets | $4,913,942,800 | 226 |
| Average earning assets | $4,434,134,600 | 226 |
| Average equity | $633,807,400 | 210 |
| Average total loans | $3,790,222,200 | 213 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3756% | 453 |
| Cost of funding earning assets | 0.6874% | 1,928 |
| Net interest margin | 4.6881% | 483 |
| Noninterest income to average assets | 2.8253% | 172 |
| Noninterest expense to average assets | 4.5935% | 269 |
| Loan and lease loss provision to assets | 0.0878% | 2,220 |
| Net operating income to assets | 1.8020% | 599 |
| Return on assets (ROA) | 1.7995% | 605 |
| Pretax return on assets | 2.3637% | 297 |
| Return on Equity (ROE) | 14.0470% | 1,108 |
| Retained earnings to average equity (ytd only) | 14.0470% | 243 |
| Net charge-offs to loans | -0.0131% | 4,472 |
| Credit loss provision to net charge-offs | -866.6667% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2266% | 3,146 |
| Assets per employee ($millions) | 3.5262% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7149% | 4,849 |
| Loan loss allowance to noncurrent loans | 197.0733% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 2,554 |
| Noncurrent loans to loans | 0.3627% | 3,348 |
| Net loans and leases to total assets | 75.8822% | 1,673 |
| Net loans and leases to deposits | 92.4078% | 1,572 |
| Net loans and leases to core deposits | 104.5929% | 1,414 |
| Total domestic deposits to total assets | 82.1167% | 3,578 |
| Equity capital to assets | 12.9063% | 1,377 |
| Core capital (leverage) ratio | 10.7413% | 2,847 |
| Tier 1 risk-based capital ratio | 11.6674% | 4,696 |
| Total risk-based capital ratio | 12.2925% | 4,916 |
| Memoranda: |
| Average total assets | $4,859,093,750 | 226 |
| Average earning assets | $4,376,874,750 | 229 |
| Average equity | $622,485,000 | 209 |
| Average total loans | $3,751,196,250 | 211 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2714% | 497 |
| Cost of funding earning assets | 0.6076% | 2,177 |
| Net interest margin | 4.6638% | 484 |
| Noninterest income to average assets | 2.8748% | 172 |
| Noninterest expense to average assets | 4.6149% | 269 |
| Loan and lease loss provision to assets | 0.0576% | 2,757 |
| Net operating income to assets | 1.8319% | 544 |
| Return on assets (ROA) | 1.8290% | 552 |
| Pretax return on assets | 2.4020% | 273 |
| Return on Equity (ROE) | 14.3143% | 1,006 |
| Retained earnings to average equity (ytd only) | 14.3143% | 251 |
| Net charge-offs to loans | -0.0499% | 4,922 |
| Credit loss provision to net charge-offs | -149.0281% | 4,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2238% | 3,288 |
| Assets per employee ($millions) | 3.5131% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6951% | 4,953 |
| Loan loss allowance to noncurrent loans | 223.0339% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,626 |
| Noncurrent loans to loans | 0.3116% | 3,587 |
| Net loans and leases to total assets | 76.2596% | 1,591 |
| Net loans and leases to deposits | 95.7258% | 1,174 |
| Net loans and leases to core deposits | 101.9421% | 1,569 |
| Total domestic deposits to total assets | 79.6646% | 4,317 |
| Equity capital to assets | 12.8100% | 1,387 |
| Core capital (leverage) ratio | 10.2055% | 3,355 |
| Tier 1 risk-based capital ratio | 10.7200% | 5,183 |
| Total risk-based capital ratio | 11.3200% | 5,347 |
| Memoranda: |
| Average total assets | $4,794,423,330 | 225 |
| Average earning assets | $4,321,086,000 | 230 |
| Average equity | $612,590,330 | 205 |
| Average total loans | $3,714,256,000 | 212 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1303% | 554 |
| Cost of funding earning assets | 0.5625% | 2,299 |
| Net interest margin | 4.5677% | 538 |
| Noninterest income to average assets | 2.8751% | 164 |
| Noninterest expense to average assets | 4.7674% | 249 |
| Loan and lease loss provision to assets | 0.0268% | 3,166 |
| Net operating income to assets | 1.7307% | 645 |
| Return on assets (ROA) | 1.7276% | 655 |
| Pretax return on assets | 2.2113% | 373 |
| Return on Equity (ROE) | 13.5389% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.5389% | 453 |
| Net charge-offs to loans | -0.0052% | 4,024 |
| Credit loss provision to net charge-offs | -660.4167% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9832% | 3,009 |
| Assets per employee ($millions) | 3.4150% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6670% | 5,085 |
| Loan loss allowance to noncurrent loans | 170.5401% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 2,436 |
| Noncurrent loans to loans | 0.3911% | 3,386 |
| Net loans and leases to total assets | 76.9589% | 1,395 |
| Net loans and leases to deposits | 95.8941% | 1,044 |
| Net loans and leases to core deposits | 101.7307% | 1,554 |
| Total domestic deposits to total assets | 80.2540% | 4,378 |
| Equity capital to assets | 12.9123% | 1,289 |
| Core capital (leverage) ratio | 10.0041% | 3,534 |
| Tier 1 risk-based capital ratio | 11.0090% | 5,126 |
| Total risk-based capital ratio | 11.6033% | 5,320 |
| Memoranda: |
| Average total assets | $4,723,653,000 | 227 |
| Average earning assets | $4,275,562,500 | 231 |
| Average equity | $602,737,000 | 209 |
| Average total loans | $3,676,138,500 | 213 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8858% | 822 |
| Cost of funding earning assets | 0.4279% | 2,971 |
| Net interest margin | 4.4580% | 682 |
| Noninterest income to average assets | 3.6878% | 141 |
| Noninterest expense to average assets | 5.7766% | 157 |
| Loan and lease loss provision to assets | -0.0249% | 5,341 |
| Net operating income to assets | 1.4103% | 993 |
| Return on assets (ROA) | 1.4326% | 959 |
| Pretax return on assets | 2.0203% | 469 |
| Return on Equity (ROE) | 12.5313% | 1,069 |
| Retained earnings to average equity (ytd only) | 12.5313% | 156 |
| Net charge-offs to loans | -0.1135% | 5,402 |
| Credit loss provision to net charge-offs | 29.2848% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9535% | 1,897 |
| Assets per employee ($millions) | 3.4135% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6510% | 5,155 |
| Loan loss allowance to noncurrent loans | 42.6720% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 875 |
| Noncurrent loans to loans | 1.5255% | 1,109 |
| Net loans and leases to total assets | 77.6635% | 1,325 |
| Net loans and leases to deposits | 99.4275% | 776 |
| Net loans and leases to core deposits | 105.4098% | 1,310 |
| Total domestic deposits to total assets | 78.1107% | 4,699 |
| Equity capital to assets | 12.6077% | 1,453 |
| Core capital (leverage) ratio | 9.8035% | 3,693 |
| Tier 1 risk-based capital ratio | 10.7154% | 5,292 |
| Total risk-based capital ratio | 11.2982% | 5,461 |
| Memoranda: |
| Average total assets | $3,817,789,800 | 260 |
| Average earning assets | $3,470,679,200 | 261 |
| Average equity | $436,468,400 | 248 |
| Average total loans | $2,858,962,200 | 250 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6796% | 1,184 |
| Cost of funding earning assets | 0.3766% | 3,410 |
| Net interest margin | 4.3030% | 918 |
| Noninterest income to average assets | 3.8560% | 143 |
| Noninterest expense to average assets | 6.0645% | 148 |
| Loan and lease loss provision to assets | -0.0708% | 5,553 |
| Net operating income to assets | 1.1300% | 1,953 |
| Return on assets (ROA) | 1.1586% | 1,892 |
| Pretax return on assets | 1.8177% | 850 |
| Return on Equity (ROE) | 10.4885% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.4885% | 494 |
| Net charge-offs to loans | -0.1832% | 5,519 |
| Credit loss provision to net charge-offs | 52.3483% | 2,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5700% | 1,388 |
| Assets per employee ($millions) | 3.2405% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6558% | 5,230 |
| Loan loss allowance to noncurrent loans | 82.8260% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 1,855 |
| Noncurrent loans to loans | 0.7917% | 2,379 |
| Net loans and leases to total assets | 77.6374% | 1,327 |
| Net loans and leases to deposits | 94.9748% | 1,200 |
| Net loans and leases to core deposits | 99.9908% | 1,710 |
| Total domestic deposits to total assets | 81.7453% | 3,855 |
| Equity capital to assets | 12.4605% | 1,677 |
| Core capital (leverage) ratio | 10.6040% | 2,874 |
| Tier 1 risk-based capital ratio | 10.7168% | 5,368 |
| Total risk-based capital ratio | 11.3072% | 5,543 |
| Memoranda: |
| Average total assets | $3,591,163,250 | 273 |
| Average earning assets | $3,263,758,250 | 269 |
| Average equity | $396,679,250 | 270 |
| Average total loans | $2,650,428,750 | 265 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4413% | 1,691 |
| Cost of funding earning assets | 0.3244% | 3,848 |
| Net interest margin | 4.1170% | 1,280 |
| Noninterest income to average assets | 4.0704% | 142 |
| Noninterest expense to average assets | 5.7914% | 166 |
| Loan and lease loss provision to assets | -0.0688% | 5,616 |
| Net operating income to assets | 1.3373% | 1,203 |
| Return on assets (ROA) | 1.3385% | 1,222 |
| Pretax return on assets | 2.1074% | 436 |
| Return on Equity (ROE) | 12.8906% | 1,066 |
| Retained earnings to average equity (ytd only) | 12.8906% | 256 |
| Net charge-offs to loans | -0.2241% | 5,596 |
| Credit loss provision to net charge-offs | 42.7918% | 2,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5785% | 2,085 |
| Assets per employee ($millions) | 2.9000% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9693% | 4,330 |
| Loan loss allowance to noncurrent loans | 231.1524% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 3,121 |
| Noncurrent loans to loans | 0.4193% | 3,522 |
| Net loans and leases to total assets | 71.0341% | 2,368 |
| Net loans and leases to deposits | 81.6048% | 2,736 |
| Net loans and leases to core deposits | 83.7662% | 3,096 |
| Total domestic deposits to total assets | 87.0464% | 1,930 |
| Equity capital to assets | 10.5485% | 3,282 |
| Core capital (leverage) ratio | 9.6678% | 3,937 |
| Tier 1 risk-based capital ratio | 11.3949% | 5,020 |
| Total risk-based capital ratio | 12.2582% | 5,145 |
| Memoranda: |
| Average total assets | $3,260,840,670 | 292 |
| Average earning assets | $2,976,270,330 | 286 |
| Average equity | $338,587,330 | 303 |
| Average total loans | $2,340,261,330 | 287 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4739% | 1,438 |
| Cost of funding earning assets | 0.3149% | 3,903 |
| Net interest margin | 4.1590% | 1,072 |
| Noninterest income to average assets | 3.8514% | 156 |
| Noninterest expense to average assets | 5.7460% | 175 |
| Loan and lease loss provision to assets | -0.0319% | 5,693 |
| Net operating income to assets | 1.2380% | 1,412 |
| Return on assets (ROA) | 1.2380% | 1,448 |
| Pretax return on assets | 1.9307% | 588 |
| Return on Equity (ROE) | 12.0340% | 1,225 |
| Retained earnings to average equity (ytd only) | 12.0340% | 468 |
| Net charge-offs to loans | -0.2437% | 5,650 |
| Credit loss provision to net charge-offs | 18.2528% | 2,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5255% | 2,140 |
| Assets per employee ($millions) | 2.8403% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0104% | 4,215 |
| Loan loss allowance to noncurrent loans | 246.3210% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 3,189 |
| Noncurrent loans to loans | 0.4102% | 3,624 |
| Net loans and leases to total assets | 70.7709% | 2,254 |
| Net loans and leases to deposits | 82.1124% | 2,498 |
| Net loans and leases to core deposits | 84.0822% | 2,890 |
| Total domestic deposits to total assets | 86.1879% | 2,587 |
| Equity capital to assets | 10.6462% | 3,019 |
| Core capital (leverage) ratio | 9.3547% | 4,271 |
| Tier 1 risk-based capital ratio | 11.5315% | 5,009 |
| Total risk-based capital ratio | 12.4326% | 5,108 |
| Memoranda: |
| Average total assets | $3,222,596,500 | 295 |
| Average earning assets | $2,939,347,000 | 292 |
| Average equity | $331,527,500 | 307 |
| Average total loans | $2,311,197,000 | 291 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3935% | 1,842 |
| Cost of funding earning assets | 0.3008% | 4,056 |
| Net interest margin | 4.0928% | 1,393 |
| Noninterest income to average assets | 4.6348% | 130 |
| Noninterest expense to average assets | 6.4213% | 142 |
| Loan and lease loss provision to assets | -0.0489% | 5,587 |
| Net operating income to assets | 1.2941% | 1,227 |
| Return on assets (ROA) | 1.3812% | 1,092 |
| Pretax return on assets | 2.1063% | 396 |
| Return on Equity (ROE) | 13.9876% | 778 |
| Retained earnings to average equity (ytd only) | 9.0046% | 588 |
| Net charge-offs to loans | 0.0581% | 2,887 |
| Credit loss provision to net charge-offs | -119.7571% | 4,919 |
| Earnings coverage of net charge-offs (x) | 47.1296% | 1,048 |
| Efficiency ratio | 76.0874% | 1,969 |
| Assets per employee ($millions) | 2.9482% | 5,391 |
| Cash dividends to net income (ytd only)* | 35.6245% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9230% | 4,682 |
| Loan loss allowance to noncurrent loans | 216.3665% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 3,143 |
| Noncurrent loans to loans | 0.4266% | 3,613 |
| Net loans and leases to total assets | 71.2724% | 2,287 |
| Net loans and leases to deposits | 86.2367% | 2,136 |
| Net loans and leases to core deposits | 88.2122% | 2,645 |
| Total domestic deposits to total assets | 82.6475% | 3,876 |
| Equity capital to assets | 9.9405% | 3,777 |
| Core capital (leverage) ratio | 8.9448% | 4,802 |
| Tier 1 risk-based capital ratio | 10.8826% | 5,401 |
| Total risk-based capital ratio | 11.7211% | 5,523 |
| Memoranda: |
| Average total assets | $3,023,023,800 | 293 |
| Average earning assets | $2,741,726,400 | 290 |
| Average equity | $298,515,200 | 324 |
| Average total loans | $2,126,334,200 | 296 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4263% | 1,770 |
| Cost of funding earning assets | 0.3003% | 4,097 |
| Net interest margin | 4.1261% | 1,320 |
| Noninterest income to average assets | 4.8982% | 126 |
| Noninterest expense to average assets | 6.6195% | 145 |
| Loan and lease loss provision to assets | -0.0327% | 5,694 |
| Net operating income to assets | 1.3422% | 1,183 |
| Return on assets (ROA) | 1.4608% | 1,004 |
| Pretax return on assets | 2.2241% | 364 |
| Return on Equity (ROE) | 14.8208% | 689 |
| Retained earnings to average equity (ytd only) | 8.0228% | 1,158 |
| Net charge-offs to loans | 0.0286% | 3,088 |
| Credit loss provision to net charge-offs | -163.7387% | 4,823 |
| Earnings coverage of net charge-offs (x) | 100.5780% | 652 |
| Efficiency ratio | 75.8560% | 1,996 |
| Assets per employee ($millions) | 2.9731% | 5,409 |
| Cash dividends to net income (ytd only)* | 45.8680% | 2,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0215% | 4,288 |
| Loan loss allowance to noncurrent loans | 207.2248% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 3,005 |
| Noncurrent loans to loans | 0.4930% | 3,524 |
| Net loans and leases to total assets | 70.8715% | 2,367 |
| Net loans and leases to deposits | 84.4293% | 2,439 |
| Net loans and leases to core deposits | 86.4113% | 2,918 |
| Total domestic deposits to total assets | 83.9418% | 3,225 |
| Equity capital to assets | 10.1703% | 3,958 |
| Core capital (leverage) ratio | 9.1377% | 4,674 |
| Tier 1 risk-based capital ratio | 11.0010% | 5,368 |
| Total risk-based capital ratio | 11.9495% | 5,437 |
| Memoranda: |
| Average total assets | $2,959,922,250 | 297 |
| Average earning assets | $2,677,837,250 | 295 |
| Average equity | $291,745,250 | 329 |
| Average total loans | $2,068,861,250 | 298 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5075% | 1,485 |
| Cost of funding earning assets | 0.3045% | 4,071 |
| Net interest margin | 4.2030% | 1,111 |
| Noninterest income to average assets | 3.9625% | 155 |
| Noninterest expense to average assets | 5.7818% | 185 |
| Loan and lease loss provision to assets | -0.0553% | 5,830 |
| Net operating income to assets | 1.9081% | 393 |
| Return on assets (ROA) | 2.1654% | 256 |
| Pretax return on assets | 2.3202% | 294 |
| Return on Equity (ROE) | 22.2297% | 148 |
| Retained earnings to average equity (ytd only) | 15.2024% | 141 |
| Net charge-offs to loans | -0.0071% | 4,612 |
| Credit loss provision to net charge-offs | 1,123.9437% | 343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4488% | 2,440 |
| Assets per employee ($millions) | 2.6715% | 5,693 |
| Cash dividends to net income (ytd only)* | 31.6121% | 2,772 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1452% | 3,687 |
| Loan loss allowance to noncurrent loans | 213.6658% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 2,815 |
| Noncurrent loans to loans | 0.5360% | 3,472 |
| Net loans and leases to total assets | 70.2946% | 2,434 |
| Net loans and leases to deposits | 81.1090% | 2,802 |
| Net loans and leases to core deposits | 83.0391% | 3,163 |
| Total domestic deposits to total assets | 86.6668% | 2,077 |
| Equity capital to assets | 10.1219% | 4,068 |
| Core capital (leverage) ratio | 8.0200% | 5,719 |
| Tier 1 risk-based capital ratio | 9.6532% | 5,923 |
| Total risk-based capital ratio | 10.9187% | 5,892 |
| Memoranda: |
| Average total assets | $2,885,179,670 | 300 |
| Average earning assets | $2,613,627,330 | 297 |
| Average equity | $281,047,330 | 332 |
| Average total loans | $1,998,500,330 | 306 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3740% | 1,880 |
| Cost of funding earning assets | 0.3262% | 3,887 |
| Net interest margin | 4.0477% | 1,485 |
| Noninterest income to average assets | 3.7403% | 167 |
| Noninterest expense to average assets | 5.3899% | 223 |
| Loan and lease loss provision to assets | -0.0038% | 5,870 |
| Net operating income to assets | 1.8954% | 400 |
| Return on assets (ROA) | 2.0769% | 305 |
| Pretax return on assets | 2.2232% | 366 |
| Return on Equity (ROE) | 21.7526% | 167 |
| Retained earnings to average equity (ytd only) | 14.4550% | 285 |
| Net charge-offs to loans | 0.0006% | 3,087 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | 4,842.3333% | 2 |
| Efficiency ratio | 70.2082% | 3,078 |
| Assets per employee ($millions) | 2.7944% | 5,682 |
| Cash dividends to net income (ytd only)* | 33.5480% | 2,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2542% | 3,154 |
| Loan loss allowance to noncurrent loans | 229.2054% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 2,855 |
| Noncurrent loans to loans | 0.5472% | 3,542 |
| Net loans and leases to total assets | 67.4181% | 2,748 |
| Net loans and leases to deposits | 77.6089% | 3,044 |
| Net loans and leases to core deposits | 79.2261% | 3,392 |
| Total domestic deposits to total assets | 86.8690% | 2,266 |
| Equity capital to assets | 9.9016% | 4,212 |
| Core capital (leverage) ratio | 7.7716% | 5,856 |
| Tier 1 risk-based capital ratio | 9.6754% | 5,972 |
| Total risk-based capital ratio | 11.0251% | 5,929 |
| Memoranda: |
| Average total assets | $2,870,460,000 | 297 |
| Average earning assets | $2,605,407,500 | 296 |
| Average equity | $274,064,000 | 333 |
| Average total loans | $1,961,474,000 | 306 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2595% | 2,350 |
| Cost of funding earning assets | 0.3098% | 4,146 |
| Net interest margin | 3.9497% | 1,871 |
| Noninterest income to average assets | 3.1904% | 191 |
| Noninterest expense to average assets | 5.0915% | 263 |
| Loan and lease loss provision to assets | -0.1165% | 5,876 |
| Net operating income to assets | 1.6939% | 584 |
| Return on assets (ROA) | 1.7454% | 551 |
| Pretax return on assets | 1.8605% | 710 |
| Return on Equity (ROE) | 18.0736% | 374 |
| Retained earnings to average equity (ytd only) | 8.2503% | 837 |
| Net charge-offs to loans | 0.0828% | 2,652 |
| Credit loss provision to net charge-offs | -207.2629% | 5,280 |
| Earnings coverage of net charge-offs (x) | 30.0619% | 1,455 |
| Efficiency ratio | 74.1893% | 2,550 |
| Assets per employee ($millions) | 2.9426% | 5,573 |
| Cash dividends to net income (ytd only)* | 54.3516% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2403% | 3,243 |
| Loan loss allowance to noncurrent loans | 216.6032% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 2,685 |
| Noncurrent loans to loans | 0.5726% | 3,456 |
| Net loans and leases to total assets | 67.4720% | 2,788 |
| Net loans and leases to deposits | 79.5532% | 2,876 |
| Net loans and leases to core deposits | 81.3715% | 3,211 |
| Total domestic deposits to total assets | 84.8137% | 3,169 |
| Equity capital to assets | 9.1051% | 5,017 |
| Core capital (leverage) ratio | 7.5559% | 5,964 |
| Tier 1 risk-based capital ratio | 10.4185% | 5,814 |
| Total risk-based capital ratio | 11.9441% | 5,595 |
| Memoranda: |
| Average total assets | $2,646,335,000 | 306 |
| Average earning assets | $2,405,574,000 | 303 |
| Average equity | $255,565,600 | 340 |
| Average total loans | $1,795,969,400 | 306 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2475% | 2,414 |
| Cost of funding earning assets | 0.3102% | 4,228 |
| Net interest margin | 3.9373% | 1,908 |
| Noninterest income to average assets | 3.1954% | 196 |
| Noninterest expense to average assets | 4.8824% | 305 |
| Loan and lease loss provision to assets | -0.0485% | 5,913 |
| Net operating income to assets | 1.8225% | 495 |
| Return on assets (ROA) | 1.8927% | 454 |
| Pretax return on assets | 2.0157% | 582 |
| Return on Equity (ROE) | 19.2911% | 318 |
| Retained earnings to average equity (ytd only) | 7.6237% | 1,405 |
| Net charge-offs to loans | 0.0681% | 2,591 |
| Credit loss provision to net charge-offs | -105.1397% | 5,064 |
| Earnings coverage of net charge-offs (x) | 41.0169% | 1,221 |
| Efficiency ratio | 71.1365% | 3,021 |
| Assets per employee ($millions) | 3.1614% | 5,352 |
| Cash dividends to net income (ytd only)* | 60.4810% | 1,393 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4064% | 2,568 |
| Loan loss allowance to noncurrent loans | 188.3502% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 2,585 |
| Noncurrent loans to loans | 0.7467% | 3,090 |
| Net loans and leases to total assets | 66.4116% | 2,946 |
| Net loans and leases to deposits | 83.3602% | 2,476 |
| Net loans and leases to core deposits | 85.3404% | 2,913 |
| Total domestic deposits to total assets | 79.6683% | 4,812 |
| Equity capital to assets | 9.1242% | 5,190 |
| Core capital (leverage) ratio | 7.8954% | 5,948 |
| Tier 1 risk-based capital ratio | 9.5219% | 6,144 |
| Total risk-based capital ratio | 11.0601% | 6,058 |
| Memoranda: |
| Average total assets | $2,586,240,000 | 316 |
| Average earning assets | $2,351,234,000 | 312 |
| Average equity | $253,747,500 | 351 |
| Average total loans | $1,751,915,500 | 314 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2540% | 2,336 |
| Cost of funding earning assets | 0.3166% | 4,202 |
| Net interest margin | 3.9374% | 1,866 |
| Noninterest income to average assets | 3.1110% | 207 |
| Noninterest expense to average assets | 4.8167% | 329 |
| Loan and lease loss provision to assets | 0.0177% | 3,772 |
| Net operating income to assets | 1.7661% | 547 |
| Return on assets (ROA) | 1.8719% | 469 |
| Pretax return on assets | 2.0020% | 589 |
| Return on Equity (ROE) | 18.5790% | 367 |
| Retained earnings to average equity (ytd only) | 9.6915% | 731 |
| Net charge-offs to loans | 0.0261% | 3,159 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 107.5023% | 572 |
| Efficiency ratio | 70.6725% | 3,226 |
| Assets per employee ($millions) | 2.9811% | 5,619 |
| Cash dividends to net income (ytd only)* | 47.8365% | 2,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6659% | 1,695 |
| Loan loss allowance to noncurrent loans | 177.0986% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 2,758 |
| Noncurrent loans to loans | 0.9407% | 2,776 |
| Net loans and leases to total assets | 67.7045% | 2,689 |
| Net loans and leases to deposits | 83.9751% | 2,315 |
| Net loans and leases to core deposits | 86.2027% | 2,747 |
| Total domestic deposits to total assets | 80.6245% | 4,712 |
| Equity capital to assets | 10.1048% | 3,918 |
| Core capital (leverage) ratio | 8.3114% | 5,706 |
| Tier 1 risk-based capital ratio | 11.0398% | 5,691 |
| Total risk-based capital ratio | 12.2937% | 5,611 |
| Memoranda: |
| Average total assets | $2,491,467,670 | 327 |
| Average earning assets | $2,286,099,670 | 323 |
| Average equity | $251,025,000 | 355 |
| Average total loans | $1,691,361,330 | 321 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2221% | 2,375 |
| Cost of funding earning assets | 0.3161% | 4,264 |
| Net interest margin | 3.9060% | 1,876 |
| Noninterest income to average assets | 2.9003% | 227 |
| Noninterest expense to average assets | 4.6526% | 387 |
| Loan and lease loss provision to assets | 0.0151% | 3,528 |
| Net operating income to assets | 1.7065% | 580 |
| Return on assets (ROA) | 1.9195% | 413 |
| Pretax return on assets | 2.0505% | 537 |
| Return on Equity (ROE) | 19.0795% | 316 |
| Retained earnings to average equity (ytd only) | 7.2483% | 1,886 |
| Net charge-offs to loans | -0.0156% | 4,932 |
| Credit loss provision to net charge-offs | -143.0769% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6661% | 3,371 |
| Assets per employee ($millions) | 3.1211% | 5,521 |
| Cash dividends to net income (ytd only)* | 62.0099% | 1,377 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6903% | 1,760 |
| Loan loss allowance to noncurrent loans | 165.2120% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 2,653 |
| Noncurrent loans to loans | 1.0231% | 2,716 |
| Net loans and leases to total assets | 67.4004% | 2,547 |
| Net loans and leases to deposits | 83.8318% | 2,103 |
| Net loans and leases to core deposits | 86.2039% | 2,522 |
| Total domestic deposits to total assets | 80.3996% | 4,963 |
| Equity capital to assets | 10.0355% | 4,111 |
| Core capital (leverage) ratio | 8.3138% | 5,713 |
| Tier 1 risk-based capital ratio | 10.7502% | 5,917 |
| Total risk-based capital ratio | 12.0045% | 5,842 |
| Memoranda: |
| Average total assets | $2,471,735,500 | 330 |
| Average earning assets | $2,272,632,500 | 321 |
| Average equity | $248,665,000 | 356 |
| Average total loans | $1,665,750,000 | 325 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3049% | 2,589 |
| Cost of funding earning assets | 0.3694% | 4,047 |
| Net interest margin | 3.9355% | 2,098 |
| Noninterest income to average assets | 2.0633% | 323 |
| Noninterest expense to average assets | 4.2217% | 589 |
| Loan and lease loss provision to assets | 0.0208% | 4,199 |
| Net operating income to assets | 1.3530% | 1,183 |
| Return on assets (ROA) | 1.4329% | 1,046 |
| Pretax return on assets | 1.5334% | 1,427 |
| Return on Equity (ROE) | 14.4818% | 853 |
| Retained earnings to average equity (ytd only) | 6.6058% | 1,592 |
| Net charge-offs to loans | 0.0406% | 4,013 |
| Credit loss provision to net charge-offs | 79.7364% | 2,870 |
| Earnings coverage of net charge-offs (x) | 56.3575% | 839 |
| Efficiency ratio | 72.9776% | 3,037 |
| Assets per employee ($millions) | 3.1654% | 5,482 |
| Cash dividends to net income (ytd only)* | 54.3856% | 2,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0085% | 1,098 |
| Loan loss allowance to noncurrent loans | 187.3510% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 2,734 |
| Noncurrent loans to loans | 1.0721% | 2,674 |
| Net loans and leases to total assets | 64.9358% | 3,059 |
| Net loans and leases to deposits | 81.5983% | 2,527 |
| Net loans and leases to core deposits | 84.1630% | 2,885 |
| Total domestic deposits to total assets | 79.5798% | 5,127 |
| Equity capital to assets | 10.0914% | 3,995 |
| Core capital (leverage) ratio | 8.0954% | 5,937 |
| Tier 1 risk-based capital ratio | 11.3543% | 5,736 |
| Total risk-based capital ratio | 12.9748% | 5,437 |
| Memoranda: |
| Average total assets | $2,329,721,800 | 321 |
| Average earning assets | $2,146,978,800 | 314 |
| Average equity | $230,510,000 | 357 |
| Average total loans | $1,495,665,400 | 334 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2865% | 2,687 |
| Cost of funding earning assets | 0.3788% | 4,031 |
| Net interest margin | 3.9077% | 2,204 |
| Noninterest income to average assets | 1.9686% | 356 |
| Noninterest expense to average assets | 4.1068% | 681 |
| Loan and lease loss provision to assets | 0.0215% | 3,979 |
| Net operating income to assets | 1.3489% | 1,251 |
| Return on assets (ROA) | 1.4564% | 1,054 |
| Pretax return on assets | 1.5586% | 1,455 |
| Return on Equity (ROE) | 14.7972% | 861 |
| Retained earnings to average equity (ytd only) | 5.4866% | 2,765 |
| Net charge-offs to loans | 0.0150% | 4,254 |
| Credit loss provision to net charge-offs | 225.4545% | 1,156 |
| Earnings coverage of net charge-offs (x) | 153.5668% | 407 |
| Efficiency ratio | 72.4577% | 3,096 |
| Assets per employee ($millions) | 3.1245% | 5,551 |
| Cash dividends to net income (ytd only)* | 62.9217% | 1,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1068% | 1,080 |
| Loan loss allowance to noncurrent loans | 163.4620% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 2,574 |
| Noncurrent loans to loans | 1.2889% | 2,486 |
| Net loans and leases to total assets | 64.5593% | 3,100 |
| Net loans and leases to deposits | 81.3117% | 2,511 |
| Net loans and leases to core deposits | 83.9961% | 2,882 |
| Total domestic deposits to total assets | 79.3973% | 5,242 |
| Equity capital to assets | 9.9936% | 4,174 |
| Core capital (leverage) ratio | 8.0632% | 6,021 |
| Tier 1 risk-based capital ratio | 11.2437% | 5,894 |
| Total risk-based capital ratio | 12.8734% | 5,637 |
| Memoranda: |
| Average total assets | $2,306,770,000 | 323 |
| Average earning assets | $2,126,715,750 | 319 |
| Average equity | $227,045,750 | 356 |
| Average total loans | $1,468,414,250 | 332 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2474% | 2,778 |
| Cost of funding earning assets | 0.3866% | 4,035 |
| Net interest margin | 3.8608% | 2,326 |
| Noninterest income to average assets | 1.8207% | 405 |
| Noninterest expense to average assets | 3.9996% | 766 |
| Loan and lease loss provision to assets | 0.0203% | 3,864 |
| Net operating income to assets | 1.2723% | 1,384 |
| Return on assets (ROA) | 1.4343% | 1,030 |
| Pretax return on assets | 1.5349% | 1,446 |
| Return on Equity (ROE) | 14.6486% | 847 |
| Retained earnings to average equity (ytd only) | 4.2419% | 3,476 |
| Net charge-offs to loans | -0.0896% | 6,108 |
| Credit loss provision to net charge-offs | -36.0681% | 5,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0265% | 3,156 |
| Assets per employee ($millions) | 3.1995% | 5,428 |
| Cash dividends to net income (ytd only)* | 71.0422% | 1,142 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2381% | 972 |
| Loan loss allowance to noncurrent loans | 136.2637% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 2,411 |
| Noncurrent loans to loans | 1.6425% | 2,120 |
| Net loans and leases to total assets | 63.0141% | 3,233 |
| Net loans and leases to deposits | 78.7264% | 2,705 |
| Net loans and leases to core deposits | 81.2634% | 3,071 |
| Total domestic deposits to total assets | 80.0419% | 5,227 |
| Equity capital to assets | 10.1076% | 3,960 |
| Core capital (leverage) ratio | 7.9557% | 6,128 |
| Tier 1 risk-based capital ratio | 11.4720% | 5,815 |
| Total risk-based capital ratio | 13.1215% | 5,536 |
| Memoranda: |
| Average total assets | $2,294,557,000 | 320 |
| Average earning assets | $2,115,776,000 | 316 |
| Average equity | $224,663,670 | 357 |
| Average total loans | $1,442,736,000 | 329 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1630% | 3,022 |
| Cost of funding earning assets | 0.3903% | 4,084 |
| Net interest margin | 3.7727% | 2,585 |
| Noninterest income to average assets | 1.6320% | 464 |
| Noninterest expense to average assets | 3.8613% | 914 |
| Loan and lease loss provision to assets | 0.0271% | 3,475 |
| Net operating income to assets | 1.1407% | 1,664 |
| Return on assets (ROA) | 1.3717% | 1,097 |
| Pretax return on assets | 1.4686% | 1,523 |
| Return on Equity (ROE) | 14.2410% | 900 |
| Retained earnings to average equity (ytd only) | -1.7173% | 5,828 |
| Net charge-offs to loans | -0.4814% | 6,555 |
| Credit loss provision to net charge-offs | -9.0590% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2059% | 3,091 |
| Assets per employee ($millions) | 3.4226% | 5,096 |
| Cash dividends to net income (ytd only)* | 112.0591% | 568 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3721% | 940 |
| Loan loss allowance to noncurrent loans | 122.7543% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 2,281 |
| Noncurrent loans to loans | 1.9324% | 1,947 |
| Net loans and leases to total assets | 60.6006% | 3,461 |
| Net loans and leases to deposits | 74.7552% | 2,981 |
| Net loans and leases to core deposits | 77.1533% | 3,288 |
| Total domestic deposits to total assets | 81.0654% | 5,214 |
| Equity capital to assets | 9.5394% | 4,445 |
| Core capital (leverage) ratio | 7.8008% | 6,218 |
| Tier 1 risk-based capital ratio | 11.2314% | 6,051 |
| Total risk-based capital ratio | 12.8872% | 5,787 |
| Memoranda: |
| Average total assets | $2,290,016,500 | 326 |
| Average earning assets | $2,110,306,500 | 317 |
| Average equity | $220,574,500 | 362 |
| Average total loans | $1,421,679,500 | 332 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2334% | 3,218 |
| Cost of funding earning assets | 0.4885% | 3,730 |
| Net interest margin | 3.7448% | 2,880 |
| Noninterest income to average assets | 1.8494% | 442 |
| Noninterest expense to average assets | 4.0163% | 858 |
| Loan and lease loss provision to assets | -0.0683% | 6,427 |
| Net operating income to assets | 1.2597% | 1,365 |
| Return on assets (ROA) | 1.2597% | 1,420 |
| Pretax return on assets | 1.3476% | 1,977 |
| Return on Equity (ROE) | 12.6465% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.8798% | 1,485 |
| Net charge-offs to loans | 0.3442% | 1,959 |
| Credit loss provision to net charge-offs | -32.5547% | 5,752 |
| Earnings coverage of net charge-offs (x) | 6.0956% | 3,127 |
| Efficiency ratio | 74.3761% | 3,064 |
| Assets per employee ($millions) | 3.2556% | 5,378 |
| Cash dividends to net income (ytd only)* | 45.5990% | 2,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3096% | 1,029 |
| Loan loss allowance to noncurrent loans | 113.8308% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 2,241 |
| Noncurrent loans to loans | 2.0289% | 1,959 |
| Net loans and leases to total assets | 60.6565% | 3,596 |
| Net loans and leases to deposits | 75.6812% | 3,000 |
| Net loans and leases to core deposits | 78.2522% | 3,325 |
| Total domestic deposits to total assets | 80.1474% | 5,413 |
| Equity capital to assets | 9.7274% | 4,138 |
| Core capital (leverage) ratio | 7.9847% | 6,147 |
| Tier 1 risk-based capital ratio | 11.5390% | 5,886 |
| Total risk-based capital ratio | 13.2034% | 5,581 |
| Memoranda: |
| Average total assets | $2,223,229,600 | 326 |
| Average earning assets | $2,045,943,800 | 319 |
| Average equity | $221,444,200 | 347 |
| Average total loans | $1,355,443,200 | 330 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2112% | 3,344 |
| Cost of funding earning assets | 0.5088% | 3,687 |
| Net interest margin | 3.7024% | 3,022 |
| Noninterest income to average assets | 1.8992% | 449 |
| Noninterest expense to average assets | 3.9986% | 860 |
| Loan and lease loss provision to assets | 0.0210% | 4,580 |
| Net operating income to assets | 1.2029% | 1,623 |
| Return on assets (ROA) | 1.2029% | 1,696 |
| Pretax return on assets | 1.2869% | 2,375 |
| Return on Equity (ROE) | 12.0053% | 1,473 |
| Retained earnings to average equity (ytd only) | 5.7576% | 2,563 |
| Net charge-offs to loans | 0.4493% | 1,429 |
| Credit loss provision to net charge-offs | 7.7059% | 4,244 |
| Earnings coverage of net charge-offs (x) | 4.7975% | 3,350 |
| Efficiency ratio | 73.8520% | 3,095 |
| Assets per employee ($millions) | 3.2585% | 5,365 |
| Cash dividends to net income (ytd only)* | 52.0416% | 1,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5407% | 897 |
| Loan loss allowance to noncurrent loans | 116.2432% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 2,344 |
| Noncurrent loans to loans | 2.1857% | 2,024 |
| Net loans and leases to total assets | 60.1880% | 3,668 |
| Net loans and leases to deposits | 73.1660% | 3,366 |
| Net loans and leases to core deposits | 75.6069% | 3,659 |
| Total domestic deposits to total assets | 82.2622% | 4,847 |
| Equity capital to assets | 10.0486% | 3,832 |
| Core capital (leverage) ratio | 7.7846% | 6,333 |
| Tier 1 risk-based capital ratio | 11.6269% | 5,998 |
| Total risk-based capital ratio | 13.3120% | 5,676 |
| Memoranda: |
| Average total assets | $2,215,011,500 | 326 |
| Average earning assets | $2,038,424,500 | 320 |
| Average equity | $221,940,000 | 342 |
| Average total loans | $1,344,097,750 | 335 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1817% | 3,440 |
| Cost of funding earning assets | 0.5240% | 3,664 |
| Net interest margin | 3.6577% | 3,146 |
| Noninterest income to average assets | 1.7413% | 552 |
| Noninterest expense to average assets | 3.9208% | 956 |
| Loan and lease loss provision to assets | 0.0194% | 4,508 |
| Net operating income to assets | 1.0899% | 1,954 |
| Return on assets (ROA) | 1.0899% | 2,071 |
| Pretax return on assets | 1.1665% | 2,819 |
| Return on Equity (ROE) | 10.8880% | 1,849 |
| Retained earnings to average equity (ytd only) | 4.0589% | 3,716 |
| Net charge-offs to loans | 0.7698% | 826 |
| Credit loss provision to net charge-offs | 4.1836% | 3,966 |
| Earnings coverage of net charge-offs (x) | 2.5536% | 3,668 |
| Efficiency ratio | 75.1568% | 2,927 |
| Assets per employee ($millions) | 3.2734% | 5,326 |
| Cash dividends to net income (ytd only)* | 62.7218% | 1,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4641% | 1,025 |
| Loan loss allowance to noncurrent loans | 98.9076% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.9603% | 2,203 |
| Noncurrent loans to loans | 2.4913% | 1,864 |
| Net loans and leases to total assets | 59.9100% | 3,670 |
| Net loans and leases to deposits | 74.5457% | 3,070 |
| Net loans and leases to core deposits | 77.0605% | 3,418 |
| Total domestic deposits to total assets | 80.3669% | 5,522 |
| Equity capital to assets | 9.7099% | 4,298 |
| Core capital (leverage) ratio | 7.4611% | 6,472 |
| Tier 1 risk-based capital ratio | 11.1834% | 6,256 |
| Total risk-based capital ratio | 12.8654% | 5,999 |
| Memoranda: |
| Average total assets | $2,223,440,670 | 325 |
| Average earning assets | $2,045,776,330 | 320 |
| Average equity | $222,574,330 | 342 |
| Average total loans | $1,341,360,670 | 334 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1662% | 3,441 |
| Cost of funding earning assets | 0.5480% | 3,593 |
| Net interest margin | 3.6182% | 3,189 |
| Noninterest income to average assets | 1.6804% | 553 |
| Noninterest expense to average assets | 3.8336% | 1,072 |
| Loan and lease loss provision to assets | 0.0178% | 4,242 |
| Net operating income to assets | 1.0835% | 1,923 |
| Return on assets (ROA) | 1.0835% | 2,031 |
| Pretax return on assets | 1.1589% | 2,730 |
| Return on Equity (ROE) | 10.6638% | 1,805 |
| Retained earnings to average equity (ytd only) | 0.4033% | 5,659 |
| Net charge-offs to loans | 1.4386% | 380 |
| Credit loss provision to net charge-offs | 2.0690% | 3,223 |
| Earnings coverage of net charge-offs (x) | 1.3682% | 3,378 |
| Efficiency ratio | 74.8386% | 3,119 |
| Assets per employee ($millions) | 3.4528% | 5,083 |
| Cash dividends to net income (ytd only)* | 96.2177% | 684 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5394% | 1,071 |
| Loan loss allowance to noncurrent loans | 96.1240% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0787% | 2,257 |
| Noncurrent loans to loans | 2.6418% | 1,946 |
| Net loans and leases to total assets | 58.5184% | 3,698 |
| Net loans and leases to deposits | 71.1278% | 3,308 |
| Net loans and leases to core deposits | 73.6024% | 3,630 |
| Total domestic deposits to total assets | 82.2722% | 5,104 |
| Equity capital to assets | 10.1195% | 3,988 |
| Core capital (leverage) ratio | 7.2782% | 6,556 |
| Tier 1 risk-based capital ratio | 10.9802% | 6,416 |
| Total risk-based capital ratio | 12.6543% | 6,211 |
| Memoranda: |
| Average total assets | $2,225,472,000 | 329 |
| Average earning assets | $2,048,200,000 | 321 |
| Average equity | $226,111,500 | 347 |
| Average total loans | $1,330,430,500 | 337 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4959% | 3,405 |
| Cost of funding earning assets | 0.7861% | 2,772 |
| Net interest margin | 3.7098% | 3,608 |
| Noninterest income to average assets | 1.4790% | 719 |
| Noninterest expense to average assets | 3.7733% | 1,297 |
| Loan and lease loss provision to assets | 0.0245% | 5,587 |
| Net operating income to assets | 1.0124% | 2,281 |
| Return on assets (ROA) | 1.1646% | 1,877 |
| Pretax return on assets | 1.2459% | 2,616 |
| Return on Equity (ROE) | 10.0739% | 2,136 |
| Retained earnings to average equity (ytd only) | -8.0540% | 6,574 |
| Net charge-offs to loans | 0.1347% | 4,331 |
| Credit loss provision to net charge-offs | 31.0406% | 5,101 |
| Earnings coverage of net charge-offs (x) | 14.0229% | 1,771 |
| Efficiency ratio | 75.5446% | 2,820 |
| Assets per employee ($millions) | 3.4693% | 5,075 |
| Cash dividends to net income (ytd only)* | 179.9498% | 152 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9024% | 732 |
| Loan loss allowance to noncurrent loans | 74.5632% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 1,713 |
| Noncurrent loans to loans | 3.8925% | 1,243 |
| Net loans and leases to total assets | 57.7944% | 4,016 |
| Net loans and leases to deposits | 70.6362% | 3,616 |
| Net loans and leases to core deposits | 73.9284% | 3,790 |
| Total domestic deposits to total assets | 81.8198% | 5,155 |
| Equity capital to assets | 10.2006% | 3,889 |
| Core capital (leverage) ratio | 7.3503% | 6,562 |
| Tier 1 risk-based capital ratio | 11.1926% | 6,279 |
| Total risk-based capital ratio | 12.8950% | 5,965 |
| Memoranda: |
| Average total assets | $2,155,073,400 | 334 |
| Average earning assets | $1,975,760,200 | 325 |
| Average equity | $249,129,600 | 312 |
| Average total loans | $1,262,650,400 | 349 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5864% | 3,264 |
| Cost of funding earning assets | 0.8301% | 2,705 |
| Net interest margin | 3.7563% | 3,519 |
| Noninterest income to average assets | 1.3879% | 779 |
| Noninterest expense to average assets | 3.7162% | 1,342 |
| Loan and lease loss provision to assets | 0.0222% | 5,520 |
| Net operating income to assets | 1.0228% | 2,399 |
| Return on assets (ROA) | 1.2072% | 1,891 |
| Pretax return on assets | 1.2915% | 2,635 |
| Return on Equity (ROE) | 10.1316% | 2,288 |
| Retained earnings to average equity (ytd only) | 7.1604% | 2,029 |
| Net charge-offs to loans | 0.1481% | 3,922 |
| Credit loss provision to net charge-offs | 25.7225% | 4,869 |
| Earnings coverage of net charge-offs (x) | 12.9126% | 1,961 |
| Efficiency ratio | 75.1040% | 2,809 |
| Assets per employee ($millions) | 3.3664% | 5,290 |
| Cash dividends to net income (ytd only)* | 29.3263% | 2,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0911% | 659 |
| Loan loss allowance to noncurrent loans | 74.4262% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 2.9516% | 1,774 |
| Noncurrent loans to loans | 4.1532% | 1,204 |
| Net loans and leases to total assets | 56.2890% | 4,402 |
| Net loans and leases to deposits | 66.9384% | 4,349 |
| Net loans and leases to core deposits | 70.5742% | 4,425 |
| Total domestic deposits to total assets | 84.0907% | 4,173 |
| Equity capital to assets | 12.2392% | 2,080 |
| Core capital (leverage) ratio | 9.1222% | 4,877 |
| Tier 1 risk-based capital ratio | 14.2771% | 4,339 |
| Total risk-based capital ratio | 16.0031% | 3,973 |
| Memoranda: |
| Average total assets | $2,136,144,000 | 336 |
| Average earning assets | $1,958,384,000 | 325 |
| Average equity | $254,523,500 | 309 |
| Average total loans | $1,246,360,500 | 355 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5628% | 3,515 |
| Cost of funding earning assets | 0.8773% | 2,584 |
| Net interest margin | 3.6856% | 3,895 |
| Noninterest income to average assets | 1.3292% | 804 |
| Noninterest expense to average assets | 3.6205% | 1,539 |
| Loan and lease loss provision to assets | 0.0196% | 5,420 |
| Net operating income to assets | 0.9967% | 2,480 |
| Return on assets (ROA) | 1.2195% | 1,841 |
| Pretax return on assets | 1.3046% | 2,541 |
| Return on Equity (ROE) | 10.3298% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.9719% | 2,116 |
| Net charge-offs to loans | 0.2478% | 3,095 |
| Credit loss provision to net charge-offs | 13.5538% | 4,697 |
| Earnings coverage of net charge-offs (x) | 7.4909% | 2,471 |
| Efficiency ratio | 75.0848% | 2,883 |
| Assets per employee ($millions) | 3.3834% | 5,242 |
| Cash dividends to net income (ytd only)* | 32.5069% | 2,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0569% | 738 |
| Loan loss allowance to noncurrent loans | 69.7820% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 3.5070% | 1,519 |
| Noncurrent loans to loans | 4.3806% | 1,225 |
| Net loans and leases to total assets | 56.4713% | 4,397 |
| Net loans and leases to deposits | 67.8134% | 4,234 |
| Net loans and leases to core deposits | 71.5093% | 4,352 |
| Total domestic deposits to total assets | 83.2744% | 4,636 |
| Equity capital to assets | 11.9490% | 2,186 |
| Core capital (leverage) ratio | 8.8481% | 5,133 |
| Tier 1 risk-based capital ratio | 13.7713% | 4,611 |
| Total risk-based capital ratio | 15.4866% | 4,250 |
| Memoranda: |
| Average total assets | $2,130,020,670 | 339 |
| Average earning assets | $1,951,073,330 | 329 |
| Average equity | $251,466,000 | 312 |
| Average total loans | $1,244,668,330 | 356 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5629% | 3,665 |
| Cost of funding earning assets | 0.9171% | 2,549 |
| Net interest margin | 3.6458% | 4,065 |
| Noninterest income to average assets | 1.2340% | 935 |
| Noninterest expense to average assets | 3.5966% | 1,567 |
| Loan and lease loss provision to assets | 0.0155% | 5,128 |
| Net operating income to assets | 0.8982% | 2,929 |
| Return on assets (ROA) | 1.3465% | 1,489 |
| Pretax return on assets | 1.4404% | 2,055 |
| Return on Equity (ROE) | 11.4766% | 1,845 |
| Retained earnings to average equity (ytd only) | 6.8525% | 2,503 |
| Net charge-offs to loans | -0.1475% | 6,915 |
| Credit loss provision to net charge-offs | -17.9431% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7628% | 2,678 |
| Assets per employee ($millions) | 3.5308% | 5,048 |
| Cash dividends to net income (ytd only)* | 40.2918% | 1,746 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2318% | 660 |
| Loan loss allowance to noncurrent loans | 70.1220% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 3.7534% | 1,492 |
| Noncurrent loans to loans | 4.6089% | 1,245 |
| Net loans and leases to total assets | 55.7731% | 4,427 |
| Net loans and leases to deposits | 65.7056% | 4,419 |
| Net loans and leases to core deposits | 69.6137% | 4,478 |
| Total domestic deposits to total assets | 84.8832% | 4,091 |
| Equity capital to assets | 11.5622% | 2,384 |
| Core capital (leverage) ratio | 8.7797% | 5,157 |
| Tier 1 risk-based capital ratio | 13.5122% | 4,818 |
| Total risk-based capital ratio | 15.2104% | 4,463 |
| Memoranda: |
| Average total assets | $2,117,416,500 | 336 |
| Average earning assets | $1,937,811,000 | 326 |
| Average equity | $248,435,000 | 309 |
| Average total loans | $1,239,271,000 | 355 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8586% | 3,550 |
| Cost of funding earning assets | 1.1756% | 2,185 |
| Net interest margin | 3.6830% | 4,375 |
| Noninterest income to average assets | 0.9521% | 1,503 |
| Noninterest expense to average assets | 3.3199% | 2,457 |
| Loan and lease loss provision to assets | 0.1625% | 4,598 |
| Net operating income to assets | 0.6978% | 3,503 |
| Return on assets (ROA) | 0.9623% | 2,478 |
| Pretax return on assets | 1.0299% | 3,121 |
| Return on Equity (ROE) | 8.3855% | 2,722 |
| Retained earnings to average equity (ytd only) | 1.8577% | 4,892 |
| Net charge-offs to loans | 0.6850% | 2,441 |
| Credit loss provision to net charge-offs | 38.6108% | 5,655 |
| Earnings coverage of net charge-offs (x) | 2.1571% | 4,171 |
| Efficiency ratio | 76.3894% | 2,833 |
| Assets per employee ($millions) | 3.6007% | 4,768 |
| Cash dividends to net income (ytd only)* | 77.8464% | 847 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2204% | 669 |
| Loan loss allowance to noncurrent loans | 59.6539% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 4.4612% | 1,235 |
| Noncurrent loans to loans | 5.3984% | 994 |
| Net loans and leases to total assets | 57.5419% | 4,453 |
| Net loans and leases to deposits | 68.8047% | 4,313 |
| Net loans and leases to core deposits | 73.2733% | 4,337 |
| Total domestic deposits to total assets | 83.6307% | 4,485 |
| Equity capital to assets | 11.9108% | 2,192 |
| Core capital (leverage) ratio | 8.7867% | 5,123 |
| Tier 1 risk-based capital ratio | 13.3223% | 4,823 |
| Total risk-based capital ratio | 15.0583% | 4,430 |
| Memoranda: |
| Average total assets | $2,069,140,600 | 335 |
| Average earning assets | $1,840,381,600 | 338 |
| Average equity | $237,446,200 | 306 |
| Average total loans | $1,271,578,200 | 338 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9490% | 3,331 |
| Cost of funding earning assets | 1.2254% | 2,157 |
| Net interest margin | 3.7236% | 4,236 |
| Noninterest income to average assets | 0.9324% | 1,541 |
| Noninterest expense to average assets | 3.2325% | 2,720 |
| Loan and lease loss provision to assets | 0.2241% | 3,769 |
| Net operating income to assets | 0.7199% | 3,506 |
| Return on assets (ROA) | 1.0068% | 2,447 |
| Pretax return on assets | 1.0771% | 3,107 |
| Return on Equity (ROE) | 8.8580% | 2,671 |
| Retained earnings to average equity (ytd only) | 0.0658% | 5,933 |
| Net charge-offs to loans | 0.5623% | 2,556 |
| Credit loss provision to net charge-offs | 64.3161% | 4,660 |
| Earnings coverage of net charge-offs (x) | 2.8495% | 3,718 |
| Efficiency ratio | 74.3682% | 3,108 |
| Assets per employee ($millions) | 3.7022% | 4,534 |
| Cash dividends to net income (ytd only)* | 99.2572% | 314 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5327% | 550 |
| Loan loss allowance to noncurrent loans | 62.7188% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 4.6373% | 1,284 |
| Noncurrent loans to loans | 5.6327% | 1,036 |
| Net loans and leases to total assets | 57.1124% | 4,662 |
| Net loans and leases to deposits | 67.9963% | 4,605 |
| Net loans and leases to core deposits | 72.9985% | 4,584 |
| Total domestic deposits to total assets | 83.9935% | 4,233 |
| Equity capital to assets | 11.8793% | 2,350 |
| Core capital (leverage) ratio | 8.5688% | 5,601 |
| Tier 1 risk-based capital ratio | 13.0428% | 5,066 |
| Total risk-based capital ratio | 14.7855% | 4,677 |
| Memoranda: |
| Average total assets | $2,067,929,000 | 335 |
| Average earning assets | $1,828,645,750 | 343 |
| Average equity | $235,050,750 | 313 |
| Average total loans | $1,281,192,250 | 336 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0443% | 2,951 |
| Cost of funding earning assets | 1.2764% | 2,080 |
| Net interest margin | 3.7680% | 3,950 |
| Noninterest income to average assets | 0.7913% | 2,067 |
| Noninterest expense to average assets | 3.1356% | 3,126 |
| Loan and lease loss provision to assets | 0.3268% | 2,829 |
| Net operating income to assets | 0.5877% | 4,119 |
| Return on assets (ROA) | 0.8348% | 3,039 |
| Pretax return on assets | 0.8930% | 3,640 |
| Return on Equity (ROE) | 7.4560% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.4560% | 1,676 |
| Net charge-offs to loans | 0.2920% | 3,416 |
| Credit loss provision to net charge-offs | 177.9884% | 1,693 |
| Earnings coverage of net charge-offs (x) | 5.1964% | 2,671 |
| Efficiency ratio | 74.4634% | 3,277 |
| Assets per employee ($millions) | 3.7600% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7644% | 485 |
| Loan loss allowance to noncurrent loans | 65.1489% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 4.8701% | 1,266 |
| Noncurrent loans to loans | 5.7782% | 1,061 |
| Net loans and leases to total assets | 58.0483% | 4,614 |
| Net loans and leases to deposits | 68.9351% | 4,573 |
| Net loans and leases to core deposits | 73.6907% | 4,617 |
| Total domestic deposits to total assets | 84.2073% | 4,259 |
| Equity capital to assets | 11.7508% | 2,284 |
| Core capital (leverage) ratio | 8.7711% | 5,090 |
| Tier 1 risk-based capital ratio | 13.5201% | 4,513 |
| Total risk-based capital ratio | 15.2647% | 4,137 |
| Memoranda: |
| Average total assets | $2,068,635,000 | 342 |
| Average earning assets | $1,810,787,000 | 350 |
| Average equity | $231,599,670 | 317 |
| Average total loans | $1,300,575,670 | 341 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1068% | 2,612 |
| Cost of funding earning assets | 1.3616% | 1,822 |
| Net interest margin | 3.7452% | 3,867 |
| Noninterest income to average assets | 0.7499% | 2,258 |
| Noninterest expense to average assets | 3.1465% | 3,085 |
| Loan and lease loss provision to assets | 0.6336% | 1,360 |
| Net operating income to assets | 0.1789% | 5,853 |
| Return on assets (ROA) | 0.3660% | 5,180 |
| Pretax return on assets | 0.3699% | 5,433 |
| Return on Equity (ROE) | 3.3513% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.3513% | 4,173 |
| Net charge-offs to loans | 0.2920% | 2,885 |
| Credit loss provision to net charge-offs | 338.3745% | 962 |
| Earnings coverage of net charge-offs (x) | 4.3498% | 2,503 |
| Efficiency ratio | 77.1666% | 2,960 |
| Assets per employee ($millions) | 4.1433% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6604% | 538 |
| Loan loss allowance to noncurrent loans | 57.6777% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 5.2771% | 1,174 |
| Noncurrent loans to loans | 6.3464% | 964 |
| Net loans and leases to total assets | 59.9258% | 4,280 |
| Net loans and leases to deposits | 70.3173% | 4,303 |
| Net loans and leases to core deposits | 75.7570% | 4,330 |
| Total domestic deposits to total assets | 85.2220% | 3,936 |
| Equity capital to assets | 10.9488% | 2,737 |
| Core capital (leverage) ratio | 8.2831% | 5,839 |
| Tier 1 risk-based capital ratio | 12.3976% | 5,354 |
| Total risk-based capital ratio | 14.1213% | 4,904 |
| Memoranda: |
| Average total assets | $2,076,468,500 | 341 |
| Average earning assets | $1,780,302,500 | 353 |
| Average equity | $226,779,500 | 320 |
| Average total loans | $1,331,698,500 | 337 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1896% | 3,660 |
| Cost of funding earning assets | 1.7112% | 1,550 |
| Net interest margin | 3.4783% | 5,328 |
| Noninterest income to average assets | 0.5769% | 3,608 |
| Noninterest expense to average assets | 2.8225% | 4,513 |
| Loan and lease loss provision to assets | 1.5527% | 946 |
| Net operating income to assets | -0.6273% | 6,465 |
| Return on assets (ROA) | -0.2279% | 6,195 |
| Pretax return on assets | -0.2506% | 6,126 |
| Return on Equity (ROE) | -2.2227% | 6,197 |
| Retained earnings to average equity (ytd only) | -2.2227% | 6,001 |
| Net charge-offs to loans | 1.8465% | 1,128 |
| Credit loss provision to net charge-offs | 126.6782% | 3,195 |
| Earnings coverage of net charge-offs (x) | 0.7043% | 5,404 |
| Efficiency ratio | 74.3007% | 3,336 |
| Assets per employee ($millions) | 4.1049% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3016% | 682 |
| Loan loss allowance to noncurrent loans | 51.3586% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 5.6360% | 1,089 |
| Noncurrent loans to loans | 6.4286% | 941 |
| Net loans and leases to total assets | 63.8955% | 3,895 |
| Net loans and leases to deposits | 75.4549% | 3,929 |
| Net loans and leases to core deposits | 81.9381% | 3,916 |
| Total domestic deposits to total assets | 84.6804% | 4,007 |
| Equity capital to assets | 10.8938% | 2,780 |
| Core capital (leverage) ratio | 8.0869% | 6,048 |
| Tier 1 risk-based capital ratio | 11.8940% | 5,575 |
| Total risk-based capital ratio | 13.6019% | 5,130 |
| Memoranda: |
| Average total assets | $2,224,250,600 | 318 |
| Average earning assets | $1,987,954,800 | 319 |
| Average equity | $228,104,400 | 314 |
| Average total loans | $1,476,402,000 | 319 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0615% | 4,534 |
| Cost of funding earning assets | 1.7669% | 1,562 |
| Net interest margin | 3.2945% | 6,037 |
| Noninterest income to average assets | 0.5836% | 3,552 |
| Noninterest expense to average assets | 2.7618% | 4,633 |
| Loan and lease loss provision to assets | 1.7373% | 722 |
| Net operating income to assets | -0.8673% | 6,824 |
| Return on assets (ROA) | -0.6311% | 6,733 |
| Pretax return on assets | -0.6752% | 6,661 |
| Return on Equity (ROE) | -6.2427% | 6,738 |
| Retained earnings to average equity (ytd only) | -6.2427% | 6,658 |
| Net charge-offs to loans | 1.2806% | 1,591 |
| Credit loss provision to net charge-offs | 204.1750% | 1,739 |
| Earnings coverage of net charge-offs (x) | 0.9498% | 5,108 |
| Efficiency ratio | 75.0491% | 3,136 |
| Assets per employee ($millions) | 4.3714% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6559% | 482 |
| Loan loss allowance to noncurrent loans | 49.2557% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 6.1901% | 954 |
| Noncurrent loans to loans | 7.4223% | 726 |
| Net loans and leases to total assets | 64.5665% | 4,002 |
| Net loans and leases to deposits | 76.7376% | 4,046 |
| Net loans and leases to core deposits | 83.9677% | 3,942 |
| Total domestic deposits to total assets | 84.1394% | 4,041 |
| Equity capital to assets | 10.9615% | 2,998 |
| Core capital (leverage) ratio | 7.5596% | 6,807 |
| Tier 1 risk-based capital ratio | 11.0831% | 6,303 |
| Total risk-based capital ratio | 12.7779% | 5,894 |
| Memoranda: |
| Average total assets | $2,263,095,250 | 310 |
| Average earning assets | $2,051,428,000 | 306 |
| Average equity | $228,785,750 | 308 |
| Average total loans | $1,503,739,500 | 314 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0783% | 4,564 |
| Cost of funding earning assets | 1.8520% | 1,424 |
| Net interest margin | 3.2264% | 6,236 |
| Noninterest income to average assets | 0.5642% | 3,593 |
| Noninterest expense to average assets | 2.6819% | 4,987 |
| Loan and lease loss provision to assets | 1.9132% | 647 |
| Net operating income to assets | -1.0412% | 6,962 |
| Return on assets (ROA) | -0.8836% | 6,914 |
| Pretax return on assets | -0.9452% | 6,863 |
| Return on Equity (ROE) | -8.9775% | 6,927 |
| Retained earnings to average equity (ytd only) | -8.9775% | 6,865 |
| Net charge-offs to loans | 1.1444% | 1,662 |
| Credit loss provision to net charge-offs | 252.2842% | 1,515 |
| Earnings coverage of net charge-offs (x) | 1.0529% | 4,740 |
| Efficiency ratio | 74.7218% | 3,326 |
| Assets per employee ($millions) | 4.6316% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4529% | 567 |
| Loan loss allowance to noncurrent loans | 70.2379% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 4.4858% | 1,484 |
| Noncurrent loans to loans | 4.9160% | 1,412 |
| Net loans and leases to total assets | 62.9935% | 4,468 |
| Net loans and leases to deposits | 74.2650% | 4,636 |
| Net loans and leases to core deposits | 83.9542% | 4,147 |
| Total domestic deposits to total assets | 84.8225% | 3,717 |
| Equity capital to assets | 10.4955% | 3,418 |
| Core capital (leverage) ratio | 7.1528% | 7,094 |
| Tier 1 risk-based capital ratio | 10.6349% | 6,578 |
| Total risk-based capital ratio | 12.3095% | 6,162 |
| Memoranda: |
| Average total assets | $2,297,638,670 | 306 |
| Average earning assets | $2,076,698,670 | 302 |
| Average equity | $226,144,330 | 312 |
| Average total loans | $1,522,586,330 | 311 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1556% | 4,272 |
| Cost of funding earning assets | 1.9243% | 1,351 |
| Net interest margin | 3.2312% | 6,190 |
| Noninterest income to average assets | 0.4959% | 4,075 |
| Noninterest expense to average assets | 2.6458% | 5,163 |
| Loan and lease loss provision to assets | 1.9009% | 590 |
| Net operating income to assets | -1.0484% | 7,134 |
| Return on assets (ROA) | -0.7418% | 7,005 |
| Pretax return on assets | -0.8113% | 6,953 |
| Return on Equity (ROE) | -7.7903% | 7,043 |
| Retained earnings to average equity (ytd only) | -7.7903% | 6,812 |
| Net charge-offs to loans | -0.0881% | 7,497 |
| Credit loss provision to net charge-offs | -3,231.1765% | 6,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4748% | 3,306 |
| Assets per employee ($millions) | 4.7784% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2146% | 687 |
| Loan loss allowance to noncurrent loans | 65.6120% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 4.3948% | 1,545 |
| Noncurrent loans to loans | 4.8994% | 1,484 |
| Net loans and leases to total assets | 63.1229% | 4,507 |
| Net loans and leases to deposits | 73.3899% | 4,841 |
| Net loans and leases to core deposits | 83.9358% | 4,207 |
| Total domestic deposits to total assets | 86.0103% | 3,148 |
| Equity capital to assets | 9.5336% | 4,476 |
| Core capital (leverage) ratio | 7.1104% | 7,169 |
| Tier 1 risk-based capital ratio | 10.0483% | 6,998 |
| Total risk-based capital ratio | 11.7021% | 6,671 |
| Memoranda: |
| Average total assets | $2,311,715,500 | 316 |
| Average earning assets | $2,076,597,000 | 312 |
| Average equity | $220,119,500 | 321 |
| Average total loans | $1,543,501,500 | 313 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5078% | 4,103 |
| Cost of funding earning assets | 2.3717% | 1,385 |
| Net interest margin | 3.1361% | 6,266 |
| Noninterest income to average assets | 0.6046% | 3,591 |
| Noninterest expense to average assets | 2.7513% | 5,162 |
| Loan and lease loss provision to assets | 1.8630% | 1,203 |
| Net operating income to assets | -1.0720% | 6,627 |
| Return on assets (ROA) | -0.8550% | 6,474 |
| Pretax return on assets | -0.9168% | 6,356 |
| Return on Equity (ROE) | -8.5915% | 6,517 |
| Retained earnings to average equity (ytd only) | -9.6591% | 6,491 |
| Net charge-offs to loans | 1.5735% | 1,601 |
| Credit loss provision to net charge-offs | 162.8017% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.6230% | 5,474 |
| Efficiency ratio | 76.7239% | 3,404 |
| Assets per employee ($millions) | 4.7246% | 2,580 |
| Cash dividends to net income (ytd only)* | -12.4253% | 7,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4320% | 1,318 |
| Loan loss allowance to noncurrent loans | 67.4445% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 3.7605% | 1,771 |
| Noncurrent loans to loans | 3.6059% | 2,093 |
| Net loans and leases to total assets | 66.7022% | 3,986 |
| Net loans and leases to deposits | 78.1516% | 4,335 |
| Net loans and leases to core deposits | 109.8040% | 2,914 |
| Total domestic deposits to total assets | 85.3497% | 3,386 |
| Equity capital to assets | 9.5099% | 4,400 |
| Core capital (leverage) ratio | 6.9352% | 7,294 |
| Tier 1 risk-based capital ratio | 9.5110% | 7,219 |
| Total risk-based capital ratio | 11.1494% | 6,932 |
| Memoranda: |
| Average total assets | $2,212,023,000 | 323 |
| Average earning assets | $2,016,991,600 | 321 |
| Average equity | $220,135,400 | 326 |
| Average total loans | $1,608,727,600 | 317 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5417% | 4,203 |
| Cost of funding earning assets | 2.4500% | 1,442 |
| Net interest margin | 3.0917% | 6,334 |
| Noninterest income to average assets | 0.6010% | 3,690 |
| Noninterest expense to average assets | 2.7234% | 5,229 |
| Loan and lease loss provision to assets | 0.9266% | 2,078 |
| Net operating income to assets | -0.2076% | 6,077 |
| Return on assets (ROA) | -0.0795% | 5,895 |
| Pretax return on assets | -0.0855% | 5,824 |
| Return on Equity (ROE) | -0.7902% | 5,900 |
| Retained earnings to average equity (ytd only) | -2.2078% | 5,758 |
| Net charge-offs to loans | 1.1035% | 1,813 |
| Credit loss provision to net charge-offs | 113.6865% | 4,468 |
| Earnings coverage of net charge-offs (x) | 0.8630% | 5,196 |
| Efficiency ratio | 76.6396% | 3,394 |
| Assets per employee ($millions) | 4.7273% | 2,516 |
| Cash dividends to net income (ytd only)* | -179.3899% | 8,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4863% | 3,519 |
| Loan loss allowance to noncurrent loans | 37.8717% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 3.5349% | 1,873 |
| Noncurrent loans to loans | 3.9247% | 1,874 |
| Net loans and leases to total assets | 69.5247% | 3,611 |
| Net loans and leases to deposits | 83.5958% | 3,711 |
| Net loans and leases to core deposits | 117.5527% | 2,464 |
| Total domestic deposits to total assets | 83.1677% | 4,139 |
| Equity capital to assets | 10.6413% | 3,357 |
| Core capital (leverage) ratio | 7.8597% | 6,555 |
| Tier 1 risk-based capital ratio | 10.1324% | 6,848 |
| Total risk-based capital ratio | 11.7440% | 6,427 |
| Memoranda: |
| Average total assets | $2,195,713,750 | 337 |
| Average earning assets | $2,006,904,000 | 335 |
| Average equity | $221,028,000 | 334 |
| Average total loans | $1,621,698,500 | 329 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5456% | 4,358 |
| Cost of funding earning assets | 2.5201% | 1,543 |
| Net interest margin | 3.0255% | 6,472 |
| Noninterest income to average assets | 0.6493% | 3,348 |
| Noninterest expense to average assets | 2.7716% | 5,084 |
| Loan and lease loss provision to assets | 0.6060% | 2,629 |
| Net operating income to assets | 0.0546% | 5,697 |
| Return on assets (ROA) | 0.1356% | 5,562 |
| Pretax return on assets | 0.1474% | 5,570 |
| Return on Equity (ROE) | 1.3743% | 5,510 |
| Retained earnings to average equity (ytd only) | -0.1662% | 5,260 |
| Net charge-offs to loans | 0.3568% | 3,399 |
| Credit loss provision to net charge-offs | 226.4716% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.4864% | 3,821 |
| Efficiency ratio | 77.7310% | 3,387 |
| Assets per employee ($millions) | 4.3390% | 3,037 |
| Cash dividends to net income (ytd only)* | 112.0924% | 581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5718% | 2,860 |
| Loan loss allowance to noncurrent loans | 45.2922% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 3.1912% | 1,967 |
| Noncurrent loans to loans | 3.4704% | 2,027 |
| Net loans and leases to total assets | 73.1268% | 2,929 |
| Net loans and leases to deposits | 86.5102% | 3,462 |
| Net loans and leases to core deposits | 124.8816% | 1,952 |
| Total domestic deposits to total assets | 84.5296% | 3,485 |
| Equity capital to assets | 9.7377% | 4,295 |
| Core capital (leverage) ratio | 6.9051% | 7,597 |
| Tier 1 risk-based capital ratio | 8.6788% | 7,818 |
| Total risk-based capital ratio | 10.2851% | 7,690 |
| Memoranda: |
| Average total assets | $2,171,257,000 | 345 |
| Average earning assets | $2,000,551,330 | 343 |
| Average equity | $214,217,330 | 356 |
| Average total loans | $1,628,472,670 | 337 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5199% | 4,808 |
| Cost of funding earning assets | 2.6040% | 1,556 |
| Net interest margin | 2.9158% | 6,708 |
| Noninterest income to average assets | 0.6403% | 3,270 |
| Noninterest expense to average assets | 2.7033% | 4,991 |
| Loan and lease loss provision to assets | 0.6045% | 2,086 |
| Net operating income to assets | 0.0153% | 6,219 |
| Return on assets (ROA) | 0.1712% | 5,916 |
| Pretax return on assets | 0.1949% | 5,950 |
| Return on Equity (ROE) | 1.7237% | 5,867 |
| Retained earnings to average equity (ytd only) | -0.8879% | 5,863 |
| Net charge-offs to loans | 0.6682% | 1,847 |
| Credit loss provision to net charge-offs | 120.0515% | 3,273 |
| Earnings coverage of net charge-offs (x) | 1.2358% | 4,130 |
| Efficiency ratio | 78.2630% | 3,125 |
| Assets per employee ($millions) | 4.4136% | 2,859 |
| Cash dividends to net income (ytd only)* | 151.5152% | 464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3930% | 3,535 |
| Loan loss allowance to noncurrent loans | 44.5928% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 2.8347% | 2,004 |
| Noncurrent loans to loans | 3.1238% | 2,072 |
| Net loans and leases to total assets | 71.7756% | 3,291 |
| Net loans and leases to deposits | 84.8082% | 3,851 |
| Net loans and leases to core deposits | 124.1196% | 2,071 |
| Total domestic deposits to total assets | 84.6328% | 3,402 |
| Equity capital to assets | 9.6916% | 4,399 |
| Core capital (leverage) ratio | 7.0117% | 7,625 |
| Tier 1 risk-based capital ratio | 8.5708% | 7,930 |
| Total risk-based capital ratio | 10.1705% | 7,875 |
| Memoranda: |
| Average total assets | $2,159,111,000 | 347 |
| Average earning assets | $1,988,446,500 | 343 |
| Average equity | $214,428,000 | 352 |
| Average total loans | $1,627,122,500 | 336 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3135% | 3,891 |
| Cost of funding earning assets | 2.8616% | 2,436 |
| Net interest margin | 3.4519% | 5,460 |
| Noninterest income to average assets | 0.7920% | 2,561 |
| Noninterest expense to average assets | 2.8396% | 4,647 |
| Loan and lease loss provision to assets | 1.0740% | 1,352 |
| Net operating income to assets | 0.0515% | 6,226 |
| Return on assets (ROA) | 0.0974% | 5,965 |
| Pretax return on assets | 0.0936% | 5,960 |
| Return on Equity (ROE) | 0.9526% | 5,930 |
| Retained earnings to average equity (ytd only) | -0.7450% | 5,525 |
| Net charge-offs to loans | 0.9881% | 1,254 |
| Credit loss provision to net charge-offs | 140.3953% | 3,782 |
| Earnings coverage of net charge-offs (x) | 1.4662% | 5,376 |
| Efficiency ratio | 68.9650% | 4,547 |
| Assets per employee ($millions) | 4.1796% | 3,152 |
| Cash dividends to net income (ytd only)* | 178.2077% | 368 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3407% | 3,531 |
| Loan loss allowance to noncurrent loans | 47.7500% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 2.7306% | 1,733 |
| Noncurrent loans to loans | 2.8078% | 1,933 |
| Net loans and leases to total assets | 77.0345% | 2,365 |
| Net loans and leases to deposits | 92.6370% | 3,024 |
| Net loans and leases to core deposits | 138.4959% | 1,343 |
| Total domestic deposits to total assets | 83.1574% | 3,702 |
| Equity capital to assets | 10.1849% | 3,821 |
| Core capital (leverage) ratio | 7.2757% | 7,442 |
| Tier 1 risk-based capital ratio | 8.6163% | 7,966 |
| Total risk-based capital ratio | 10.2196% | 7,807 |
| Memoranda: |
| Average total assets | $2,017,059,600 | 359 |
| Average earning assets | $1,851,844,600 | 352 |
| Average equity | $206,162,600 | 366 |
| Average total loans | $1,561,507,200 | 342 |
