Home > Glacier Bank > Performance and Condition Ratios
Glacier Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 3,903 |
| Cost of funding earning assets | 1.7291% | 2,806 |
| Net interest margin | 2.6819% | 3,612 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.0843% | 3,366 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.6062% | 3,165 |
| Return on assets (ROA) | 0.6055% | 3,198 |
| Pretax return on assets | 0.7110% | 3,209 |
| Return on Equity (ROE) | 5.4200% | 3,420 |
| Retained earnings to average equity (ytd only) | -1.6719% | 4,118 |
| Net charge-offs to loans | 0.0717% | 1,064 |
| Credit loss provision to net charge-offs | 237.4539% | 922 |
| Earnings coverage of net charge-offs (x) | 18.5500% | 1,673 |
| Efficiency ratio | 70.9082% | 1,992 |
| Assets per employee ($millions) | 8.1890% | 1,345 |
| Cash dividends to net income (ytd only)* | 130.8231% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,294 |
| Loan loss allowance to noncurrent loans | 1,156.3759% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,225 |
| Noncurrent loans to loans | 0.1029% | 3,133 |
| Net loans and leases to total assets | 60.0700% | 2,950 |
| Net loans and leases to deposits | 82.3652% | 1,993 |
| Net loans and leases to core deposits | 87.8220% | 2,282 |
| Total domestic deposits to total assets | 72.9300% | 4,132 |
| Equity capital to assets | 11.2818% | 1,436 |
| Core capital (leverage) ratio | 9.0947% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7825% | 1,968 |
| Memoranda: | ||
| Average total assets | $27,771,203,333 | 75 |
| Average earning assets | $25,245,977,000 | 75 |
| Average equity | $3,100,377,667 | 74 |
| Average total loans | $16,621,682,000 | 82 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 3,766 |
| Cost of funding earning assets | 1.7675% | 2,594 |
| Net interest margin | 2.6751% | 3,611 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.1527% | 3,186 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.5319% | 3,314 |
| Return on assets (ROA) | 0.5323% | 3,339 |
| Pretax return on assets | 0.5945% | 3,398 |
| Return on Equity (ROE) | 4.7900% | 3,501 |
| Retained earnings to average equity (ytd only) | -2.3417% | 3,952 |
| Net charge-offs to loans | 0.0745% | 863 |
| Credit loss provision to net charge-offs | 295.9310% | 671 |
| Earnings coverage of net charge-offs (x) | 16.1081% | 1,440 |
| Efficiency ratio | 73.7337% | 1,768 |
| Assets per employee ($millions) | 8.1014% | 1,392 |
| Cash dividends to net income (ytd only)* | 148.8498% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,353 |
| Loan loss allowance to noncurrent loans | 810.2185% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,032 |
| Noncurrent loans to loans | 0.1464% | 2,885 |
| Net loans and leases to total assets | 59.5600% | 2,904 |
| Net loans and leases to deposits | 80.4820% | 2,021 |
| Net loans and leases to core deposits | 85.5358% | 2,340 |
| Total domestic deposits to total assets | 74.0100% | 4,131 |
| Equity capital to assets | 11.2308% | 1,415 |
| Core capital (leverage) ratio | 8.8794% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8631% | 1,927 |
| Memoranda: | ||
| Average total assets | $27,764,176,000 | 75 |
| Average earning assets | $25,308,346,500 | 74 |
| Average equity | $3,083,234,000 | 74 |
| Average total loans | $16,486,655,000 | 82 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,854 |
| Cost of funding earning assets | 1.2736% | 2,590 |
| Net interest margin | 2.7952% | 3,676 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.8855% | 3,860 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8437% | 2,728 |
| Return on assets (ROA) | 0.8492% | 2,686 |
| Pretax return on assets | 1.0227% | 2,606 |
| Return on Equity (ROE) | 7.9200% | 3,041 |
| Retained earnings to average equity (ytd only) | 1.9935% | 3,575 |
| Net charge-offs to loans | 0.0652% | 1,200 |
| Credit loss provision to net charge-offs | 201.5316% | 1,221 |
| Earnings coverage of net charge-offs (x) | 28.5558% | 1,660 |
| Efficiency ratio | 62.6042% | 2,769 |
| Assets per employee ($millions) | 8.4346% | 1,207 |
| Cash dividends to net income (ytd only)* | 74.8391% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,364 |
| Loan loss allowance to noncurrent loans | 798.8934% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 2,923 |
| Noncurrent loans to loans | 0.1488% | 2,771 |
| Net loans and leases to total assets | 57.7900% | 3,057 |
| Net loans and leases to deposits | 79.9852% | 2,110 |
| Net loans and leases to core deposits | 84.8239% | 2,393 |
| Total domestic deposits to total assets | 72.2500% | 4,216 |
| Equity capital to assets | 10.9790% | 1,489 |
| Core capital (leverage) ratio | 8.8130% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0698% | 1,843 |
| Memoranda: | ||
| Average total assets | $27,534,925,400 | 76 |
| Average earning assets | $25,183,615,800 | 73 |
| Average equity | $2,951,353,600 | 71 |
| Average total loans | $15,832,002,600 | 81 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,890 |
| Cost of funding earning assets | 1.1399% | 2,626 |
| Net interest margin | 2.8359% | 3,667 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.8886% | 3,823 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8552% | 2,843 |
| Return on assets (ROA) | 0.8550% | 2,827 |
| Pretax return on assets | 1.0464% | 2,720 |
| Return on Equity (ROE) | 8.0300% | 3,180 |
| Retained earnings to average equity (ytd only) | 2.1065% | 3,710 |
| Net charge-offs to loans | 0.0561% | 1,106 |
| Credit loss provision to net charge-offs | 250.8533% | 982 |
| Earnings coverage of net charge-offs (x) | 34.3699% | 1,526 |
| Efficiency ratio | 61.9286% | 2,727 |
| Assets per employee ($millions) | 8.4779% | 1,127 |
| Cash dividends to net income (ytd only)* | 73.7534% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,414 |
| Loan loss allowance to noncurrent loans | 455.2409% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,571 |
| Noncurrent loans to loans | 0.2613% | 2,299 |
| Net loans and leases to total assets | 56.9500% | 3,122 |
| Net loans and leases to deposits | 77.8293% | 2,265 |
| Net loans and leases to core deposits | 82.5658% | 2,433 |
| Total domestic deposits to total assets | 73.1700% | 4,210 |
| Equity capital to assets | 10.3487% | 1,616 |
| Core capital (leverage) ratio | 8.7918% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8218% | 1,962 |
| Memoranda: | ||
| Average total assets | $27,487,552,000 | 77 |
| Average earning assets | $25,125,089,750 | 74 |
| Average equity | $2,928,229,000 | 72 |
| Average total loans | $15,736,560,000 | 82 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 3,928 |
| Cost of funding earning assets | 0.9482% | 2,782 |
| Net interest margin | 2.9202% | 3,609 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9161% | 3,780 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8905% | 2,789 |
| Return on assets (ROA) | 0.8905% | 2,774 |
| Pretax return on assets | 1.0881% | 2,675 |
| Return on Equity (ROE) | 8.2800% | 3,163 |
| Retained earnings to average equity (ytd only) | 2.4897% | 3,604 |
| Net charge-offs to loans | 0.0566% | 965 |
| Credit loss provision to net charge-offs | 260.9701% | 935 |
| Earnings coverage of net charge-offs (x) | 35.5358% | 1,472 |
| Efficiency ratio | 61.3573% | 2,799 |
| Assets per employee ($millions) | 8.1796% | 1,241 |
| Cash dividends to net income (ytd only)* | 69.9243% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 2,518 |
| Loan loss allowance to noncurrent loans | 592.3835% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,718 |
| Noncurrent loans to loans | 0.1999% | 2,466 |
| Net loans and leases to total assets | 57.4400% | 3,011 |
| Net loans and leases to deposits | 78.5076% | 2,091 |
| Net loans and leases to core deposits | 83.6249% | 2,230 |
| Total domestic deposits to total assets | 73.1600% | 4,246 |
| Equity capital to assets | 10.7616% | 1,480 |
| Core capital (leverage) ratio | 8.9546% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6732% | 2,031 |
| Memoranda: | ||
| Average total assets | $27,301,722,000 | 76 |
| Average earning assets | $24,941,462,667 | 73 |
| Average equity | $2,936,870,000 | 68 |
| Average total loans | $15,594,055,667 | 80 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 3,921 |
| Cost of funding earning assets | 0.7129% | 3,017 |
| Net interest margin | 3.0476% | 3,469 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.9543% | 3,732 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9418% | 2,714 |
| Return on assets (ROA) | 0.9415% | 2,670 |
| Pretax return on assets | 1.1381% | 2,603 |
| Return on Equity (ROE) | 8.7500% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.2841% | 3,442 |
| Net charge-offs to loans | 0.0504% | 864 |
| Credit loss provision to net charge-offs | 322.8468% | 667 |
| Earnings coverage of net charge-offs (x) | 42.7494% | 1,164 |
| Efficiency ratio | 60.4506% | 2,902 |
| Assets per employee ($millions) | 8.2106% | 1,242 |
| Cash dividends to net income (ytd only)* | 62.4844% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,545 |
| Loan loss allowance to noncurrent loans | 584.0866% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,717 |
| Noncurrent loans to loans | 0.2057% | 2,445 |
| Net loans and leases to total assets | 55.2300% | 3,097 |
| Net loans and leases to deposits | 75.7534% | 2,144 |
| Net loans and leases to core deposits | 78.8220% | 2,330 |
| Total domestic deposits to total assets | 72.9100% | 4,321 |
| Equity capital to assets | 10.6802% | 1,467 |
| Core capital (leverage) ratio | 9.0649% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7319% | 2,076 |
| Memoranda: | ||
| Average total assets | $27,198,559,500 | 80 |
| Average earning assets | $24,824,859,500 | 77 |
| Average equity | $2,925,151,500 | 71 |
| Average total loans | $15,396,099,500 | 86 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 3,158 |
| Cost of funding earning assets | 0.1509% | 4,117 |
| Net interest margin | 3.3172% | 2,526 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.9470% | 3,724 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1888% | 1,816 |
| Return on assets (ROA) | 1.1904% | 1,747 |
| Pretax return on assets | 1.4556% | 1,593 |
| Return on Equity (ROE) | 10.6600% | 2,588 |
| Retained earnings to average equity (ytd only) | 6.4863% | 2,455 |
| Net charge-offs to loans | 0.0544% | 1,118 |
| Credit loss provision to net charge-offs | 223.0710% | 1,055 |
| Earnings coverage of net charge-offs (x) | 51.6540% | 1,337 |
| Efficiency ratio | 54.8483% | 3,706 |
| Assets per employee ($millions) | 7.8665% | 1,393 |
| Cash dividends to net income (ytd only)* | 39.1396% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,415 |
| Loan loss allowance to noncurrent loans | 557.2699% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 2,667 |
| Noncurrent loans to loans | 0.2144% | 2,418 |
| Net loans and leases to total assets | 56.6500% | 2,951 |
| Net loans and leases to deposits | 72.8975% | 2,338 |
| Net loans and leases to core deposits | 73.8517% | 2,577 |
| Total domestic deposits to total assets | 77.7200% | 4,118 |
| Equity capital to assets | 10.8327% | 1,329 |
| Core capital (leverage) ratio | 8.9700% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5845% | 2,131 |
| Memoranda: | ||
| Average total assets | $26,398,635,400 | 83 |
| Average earning assets | $24,151,557,000 | 80 |
| Average equity | $2,948,655,600 | 76 |
| Average total loans | $14,368,160,400 | 89 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 2,983 |
| Cost of funding earning assets | 0.0934% | 4,332 |
| Net interest margin | 3.2806% | 2,357 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9460% | 3,634 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1740% | 1,794 |
| Return on assets (ROA) | 1.1740% | 1,766 |
| Pretax return on assets | 1.4345% | 1,618 |
| Return on Equity (ROE) | 10.4300% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.6991% | 2,477 |
| Net charge-offs to loans | 0.0551% | 934 |
| Credit loss provision to net charge-offs | 194.5100% | 992 |
| Earnings coverage of net charge-offs (x) | 50.8437% | 1,277 |
| Efficiency ratio | 55.2246% | 3,694 |
| Assets per employee ($millions) | 7.8795% | 1,384 |
| Cash dividends to net income (ytd only)* | 35.7788% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,543 |
| Loan loss allowance to noncurrent loans | 508.8700% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,695 |
| Noncurrent loans to loans | 0.2354% | 2,446 |
| Net loans and leases to total assets | 55.0100% | 3,004 |
| Net loans and leases to deposits | 66.8245% | 2,644 |
| Net loans and leases to core deposits | 67.5500% | 2,839 |
| Total domestic deposits to total assets | 82.3200% | 3,785 |
| Equity capital to assets | 10.5317% | 1,353 |
| Core capital (leverage) ratio | 8.8525% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4277% | 2,301 |
| Memoranda: | ||
| Average total assets | $26,345,173,500 | 84 |
| Average earning assets | $24,139,085,000 | 80 |
| Average equity | $2,965,107,250 | 77 |
| Average total loans | $14,145,419,000 | 91 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 2,804 |
| Cost of funding earning assets | 0.0767% | 4,410 |
| Net interest margin | 3.2016% | 2,179 |
| Noninterest income to average assets | 0.4531% | 2,425 |
| Noninterest expense to average assets | 1.9574% | 3,557 |
| Loan and lease loss provision to assets | 0.0419% | 1,820 |
| Net operating income to assets | 1.1398% | 1,631 |
| Return on assets (ROA) | 1.1402% | 1,610 |
| Pretax return on assets | 1.3920% | 1,464 |
| Return on Equity (ROE) | 9.9149% | 2,366 |
| Retained earnings to average equity (ytd only) | 5.7368% | 2,420 |
| Net charge-offs to loans | 0.0387% | 996 |
| Credit loss provision to net charge-offs | 111.0657% | 1,220 |
| Earnings coverage of net charge-offs (x) | 69.7872% | 1,007 |
| Efficiency ratio | 56.5289% | 3,722 |
| Assets per employee ($millions) | 7.7676% | 1,434 |
| Cash dividends to net income (ytd only)* | 42.1393% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,685 |
| Loan loss allowance to noncurrent loans | 396.8224% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 2,561 |
| Noncurrent loans to loans | 0.3020% | 2,251 |
| Net loans and leases to total assets | 53.4786% | 3,011 |
| Net loans and leases to deposits | 65.0807% | 2,633 |
| Net loans and leases to core deposits | 65.8616% | 2,832 |
| Total domestic deposits to total assets | 82.1728% | 3,983 |
| Equity capital to assets | 10.9491% | 1,234 |
| Core capital (leverage) ratio | 8.7359% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3155% | 2,369 |
| Memoranda: | ||
| Average total assets | $26,223,062,333 | 84 |
| Average earning assets | $24,061,561,000 | 81 |
| Average equity | $3,015,752,667 | 75 |
| Average total loans | $13,902,907,667 | 90 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2276% | 2,606 |
| Cost of funding earning assets | 0.0690% | 4,461 |
| Net interest margin | 3.1586% | 1,997 |
| Noninterest income to average assets | 0.4832% | 2,219 |
| Noninterest expense to average assets | 1.9735% | 3,500 |
| Loan and lease loss provision to assets | 0.1082% | 772 |
| Net operating income to assets | 1.0788% | 1,587 |
| Return on assets (ROA) | 1.0839% | 1,563 |
| Pretax return on assets | 1.3112% | 1,472 |
| Return on Equity (ROE) | 9.1988% | 2,246 |
| Retained earnings to average equity (ytd only) | 3.5848% | 3,081 |
| Net charge-offs to loans | 0.0249% | 1,071 |
| Credit loss provision to net charge-offs | 511.0588% | 509 |
| Earnings coverage of net charge-offs (x) | 108.0788% | 653 |
| Efficiency ratio | 57.0608% | 3,776 |
| Assets per employee ($millions) | 7.5978% | 1,628 |
| Cash dividends to net income (ytd only)* | 61.0293% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,461 |
| Loan loss allowance to noncurrent loans | 282.1569% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 2,201 |
| Noncurrent loans to loans | 0.4530% | 1,894 |
| Net loans and leases to total assets | 52.1641% | 2,975 |
| Net loans and leases to deposits | 62.2892% | 2,692 |
| Net loans and leases to core deposits | 63.0634% | 2,883 |
| Total domestic deposits to total assets | 83.7450% | 3,813 |
| Equity capital to assets | 11.2691% | 1,208 |
| Core capital (leverage) ratio | 8.6774% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2585% | 2,498 |
| Memoranda: | ||
| Average total assets | $26,001,565,500 | 86 |
| Average earning assets | $23,902,046,500 | 84 |
| Average equity | $3,063,789,000 | 75 |
| Average total loans | $13,637,565,500 | 91 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 2,616 |
| Cost of funding earning assets | 0.0776% | 4,550 |
| Net interest margin | 3.4376% | 1,913 |
| Noninterest income to average assets | 0.6467% | 1,953 |
| Noninterest expense to average assets | 1.9919% | 3,696 |
| Loan and lease loss provision to assets | 0.1089% | 1,157 |
| Net operating income to assets | 1.4096% | 1,246 |
| Return on assets (ROA) | 1.4079% | 1,311 |
| Pretax return on assets | 1.7292% | 1,071 |
| Return on Equity (ROE) | 11.7686% | 1,890 |
| Retained earnings to average equity (ytd only) | 3.6030% | 3,381 |
| Net charge-offs to loans | 0.0198% | 1,881 |
| Credit loss provision to net charge-offs | 703.3061% | 659 |
| Earnings coverage of net charge-offs (x) | 167.4294% | 612 |
| Efficiency ratio | 50.7140% | 4,229 |
| Assets per employee ($millions) | 7.5546% | 1,580 |
| Cash dividends to net income (ytd only)* | 69.3849% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,453 |
| Loan loss allowance to noncurrent loans | 255.1461% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 2,246 |
| Noncurrent loans to loans | 0.5015% | 1,869 |
| Net loans and leases to total assets | 51.3899% | 3,131 |
| Net loans and leases to deposits | 62.0797% | 2,873 |
| Net loans and leases to core deposits | 62.9976% | 3,071 |
| Total domestic deposits to total assets | 82.7806% | 3,849 |
| Equity capital to assets | 12.3003% | 1,127 |
| Core capital (leverage) ratio | 8.6978% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5301% | 2,436 |
| Memoranda: | ||
| Average total assets | $21,189,852,400 | 95 |
| Average earning assets | $19,635,752,000 | 93 |
| Average equity | $2,535,024,000 | 93 |
| Average total loans | $11,779,048,600 | 102 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 2,686 |
| Cost of funding earning assets | 0.0779% | 4,644 |
| Net interest margin | 3.4754% | 1,941 |
| Noninterest income to average assets | 0.7016% | 1,815 |
| Noninterest expense to average assets | 1.9669% | 3,773 |
| Loan and lease loss provision to assets | -0.0325% | 4,403 |
| Net operating income to assets | 1.6098% | 1,013 |
| Return on assets (ROA) | 1.6108% | 1,049 |
| Pretax return on assets | 1.9929% | 809 |
| Return on Equity (ROE) | 13.5880% | 1,525 |
| Retained earnings to average equity (ytd only) | 5.1556% | 3,159 |
| Net charge-offs to loans | 0.0201% | 1,646 |
| Credit loss provision to net charge-offs | -170.5196% | 3,345 |
| Earnings coverage of net charge-offs (x) | 171.6170% | 613 |
| Efficiency ratio | 48.8318% | 4,307 |
| Assets per employee ($millions) | 7.1653% | 1,763 |
| Cash dividends to net income (ytd only)* | 62.0581% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 2,234 |
| Loan loss allowance to noncurrent loans | 300.7636% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 2,579 |
| Noncurrent loans to loans | 0.4485% | 2,214 |
| Net loans and leases to total assets | 52.7376% | 3,117 |
| Net loans and leases to deposits | 63.6531% | 2,886 |
| Net loans and leases to core deposits | 64.7170% | 3,065 |
| Total domestic deposits to total assets | 82.8516% | 3,744 |
| Equity capital to assets | 11.2549% | 1,853 |
| Core capital (leverage) ratio | 8.7477% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3209% | 2,610 |
| Memoranda: | ||
| Average total assets | $20,007,369,250 | 98 |
| Average earning assets | $18,562,115,000 | 97 |
| Average equity | $2,371,727,250 | 101 |
| Average total loans | $11,350,603,750 | 107 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5972% | 2,627 |
| Cost of funding earning assets | 0.0832% | 4,682 |
| Net interest margin | 3.5141% | 1,819 |
| Noninterest income to average assets | 0.7370% | 1,699 |
| Noninterest expense to average assets | 1.9590% | 3,814 |
| Loan and lease loss provision to assets | -0.0573% | 4,541 |
| Net operating income to assets | 1.6796% | 905 |
| Return on assets (ROA) | 1.6708% | 972 |
| Pretax return on assets | 2.0792% | 706 |
| Return on Equity (ROE) | 13.8406% | 1,460 |
| Retained earnings to average equity (ytd only) | 5.3772% | 3,043 |
| Net charge-offs to loans | 0.0275% | 1,397 |
| Credit loss provision to net charge-offs | -335.2979% | 3,355 |
| Earnings coverage of net charge-offs (x) | 127.4709% | 651 |
| Efficiency ratio | 47.7996% | 4,401 |
| Assets per employee ($millions) | 6.8664% | 1,896 |
| Cash dividends to net income (ytd only)* | 61.1494% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,261 |
| Loan loss allowance to noncurrent loans | 289.7417% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 2,634 |
| Noncurrent loans to loans | 0.4611% | 2,296 |
| Net loans and leases to total assets | 54.6263% | 3,058 |
| Net loans and leases to deposits | 66.2288% | 2,804 |
| Net loans and leases to core deposits | 67.4193% | 3,004 |
| Total domestic deposits to total assets | 82.4811% | 3,826 |
| Equity capital to assets | 11.6297% | 1,554 |
| Core capital (leverage) ratio | 8.9971% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7134% | 2,475 |
| Memoranda: | ||
| Average total assets | $19,575,665,000 | 100 |
| Average earning assets | $18,132,148,000 | 97 |
| Average equity | $2,363,109,667 | 101 |
| Average total loans | $11,338,128,667 | 106 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 2,344 |
| Cost of funding earning assets | 0.0879% | 4,709 |
| Net interest margin | 3.6177% | 1,534 |
| Noninterest income to average assets | 0.7894% | 1,610 |
| Noninterest expense to average assets | 1.9864% | 3,761 |
| Loan and lease loss provision to assets | 0.0010% | 2,734 |
| Net operating income to assets | 1.7256% | 901 |
| Return on assets (ROA) | 1.7320% | 945 |
| Pretax return on assets | 2.1572% | 738 |
| Return on Equity (ROE) | 14.0716% | 1,416 |
| Retained earnings to average equity (ytd only) | 5.5756% | 3,038 |
| Net charge-offs to loans | 0.0806% | 791 |
| Credit loss provision to net charge-offs | 21.3911% | 1,417 |
| Earnings coverage of net charge-offs (x) | 44.9733% | 940 |
| Efficiency ratio | 46.7624% | 4,422 |
| Assets per employee ($millions) | 6.6106% | 2,088 |
| Cash dividends to net income (ytd only)* | 60.3770% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,089 |
| Loan loss allowance to noncurrent loans | 465.3361% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,274 |
| Noncurrent loans to loans | 0.2952% | 3,042 |
| Net loans and leases to total assets | 56.8458% | 2,937 |
| Net loans and leases to deposits | 69.2788% | 2,575 |
| Net loans and leases to core deposits | 70.6815% | 2,815 |
| Total domestic deposits to total assets | 82.0537% | 3,881 |
| Equity capital to assets | 11.8378% | 1,369 |
| Core capital (leverage) ratio | 9.3971% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0126% | 2,288 |
| Memoranda: | ||
| Average total assets | $19,125,736,500 | 102 |
| Average earning assets | $17,695,173,000 | 102 |
| Average equity | $2,354,045,500 | 101 |
| Average total loans | $11,338,964,000 | 106 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,045 |
| Cost of funding earning assets | 0.1505% | 4,726 |
| Net interest margin | 4.0827% | 816 |
| Noninterest income to average assets | 0.9843% | 1,073 |
| Noninterest expense to average assets | 2.4232% | 3,080 |
| Loan and lease loss provision to assets | 0.2291% | 1,702 |
| Net operating income to assets | 1.6731% | 533 |
| Return on assets (ROA) | 1.6786% | 564 |
| Pretax return on assets | 2.0728% | 387 |
| Return on Equity (ROE) | 12.1825% | 1,272 |
| Retained earnings to average equity (ytd only) | 3.8753% | 2,885 |
| Net charge-offs to loans | 0.0704% | 1,785 |
| Credit loss provision to net charge-offs | 491.7941% | 1,267 |
| Earnings coverage of net charge-offs (x) | 49.2599% | 1,216 |
| Efficiency ratio | 50.0180% | 4,531 |
| Assets per employee ($millions) | 6.2369% | 2,133 |
| Cash dividends to net income (ytd only)* | 68.1893% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 1,966 |
| Loan loss allowance to noncurrent loans | 469.7171% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,342 |
| Noncurrent loans to loans | 0.2984% | 3,126 |
| Net loans and leases to total assets | 60.1925% | 2,837 |
| Net loans and leases to deposits | 74.7904% | 2,399 |
| Net loans and leases to core deposits | 76.4173% | 2,690 |
| Total domestic deposits to total assets | 80.4815% | 3,961 |
| Equity capital to assets | 12.8109% | 1,177 |
| Core capital (leverage) ratio | 9.5626% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0579% | 2,213 |
| Memoranda: | ||
| Average total assets | $16,424,884,600 | 107 |
| Average earning assets | $15,022,251,800 | 105 |
| Average equity | $2,263,112,200 | 103 |
| Average total loans | $10,877,897,600 | 106 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,263 |
| Cost of funding earning assets | 0.1659% | 4,760 |
| Net interest margin | 4.0798% | 933 |
| Noninterest income to average assets | 0.9994% | 1,024 |
| Noninterest expense to average assets | 2.4160% | 3,091 |
| Loan and lease loss provision to assets | 0.3283% | 1,188 |
| Net operating income to assets | 1.6009% | 727 |
| Return on assets (ROA) | 1.6073% | 784 |
| Pretax return on assets | 1.9847% | 533 |
| Return on Equity (ROE) | 11.4317% | 1,538 |
| Retained earnings to average equity (ytd only) | 4.1591% | 2,962 |
| Net charge-offs to loans | 0.0355% | 2,122 |
| Credit loss provision to net charge-offs | 1,363.6838% | 666 |
| Earnings coverage of net charge-offs (x) | 95.7636% | 820 |
| Efficiency ratio | 49.7966% | 4,507 |
| Assets per employee ($millions) | 6.0895% | 2,190 |
| Cash dividends to net income (ytd only)* | 63.6182% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,746 |
| Loan loss allowance to noncurrent loans | 418.6861% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,204 |
| Noncurrent loans to loans | 0.3340% | 3,086 |
| Net loans and leases to total assets | 64.7614% | 2,669 |
| Net loans and leases to deposits | 80.6908% | 2,240 |
| Net loans and leases to core deposits | 82.9314% | 2,589 |
| Total domestic deposits to total assets | 80.2587% | 3,810 |
| Equity capital to assets | 13.0527% | 1,158 |
| Core capital (leverage) ratio | 10.0787% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3462% | 2,052 |
| Memoranda: | ||
| Average total assets | $15,908,010,000 | 110 |
| Average earning assets | $14,511,568,250 | 106 |
| Average equity | $2,236,630,000 | 104 |
| Average total loans | $10,775,055,000 | 105 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 2,319 |
| Cost of funding earning assets | 0.1872% | 4,793 |
| Net interest margin | 4.1707% | 978 |
| Noninterest income to average assets | 0.9034% | 1,163 |
| Noninterest expense to average assets | 2.4253% | 3,189 |
| Loan and lease loss provision to assets | 0.4764% | 784 |
| Net operating income to assets | 1.4605% | 999 |
| Return on assets (ROA) | 1.4702% | 1,067 |
| Pretax return on assets | 1.8092% | 799 |
| Return on Equity (ROE) | 10.1715% | 1,934 |
| Retained earnings to average equity (ytd only) | 3.6341% | 3,105 |
| Net charge-offs to loans | 0.0392% | 1,959 |
| Credit loss provision to net charge-offs | 1,773.9980% | 535 |
| Earnings coverage of net charge-offs (x) | 84.6696% | 780 |
| Efficiency ratio | 50.1776% | 4,494 |
| Assets per employee ($millions) | 5.7295% | 2,425 |
| Cash dividends to net income (ytd only)* | 64.2719% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,564 |
| Loan loss allowance to noncurrent loans | 394.1714% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 3,236 |
| Noncurrent loans to loans | 0.3564% | 3,124 |
| Net loans and leases to total assets | 67.5068% | 2,435 |
| Net loans and leases to deposits | 84.8776% | 1,903 |
| Net loans and leases to core deposits | 87.0456% | 2,349 |
| Total domestic deposits to total assets | 79.5343% | 3,933 |
| Equity capital to assets | 13.6513% | 942 |
| Core capital (leverage) ratio | 10.4110% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4286% | 2,022 |
| Memoranda: | ||
| Average total assets | $15,238,955,333 | 111 |
| Average earning assets | $13,868,076,667 | 112 |
| Average equity | $2,202,700,333 | 105 |
| Average total loans | $10,444,517,333 | 110 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 2,505 |
| Cost of funding earning assets | 0.2157% | 4,855 |
| Net interest margin | 4.2155% | 893 |
| Noninterest income to average assets | 0.8391% | 1,196 |
| Noninterest expense to average assets | 2.4664% | 3,371 |
| Loan and lease loss provision to assets | 0.6313% | 431 |
| Net operating income to assets | 1.2672% | 1,339 |
| Return on assets (ROA) | 1.2842% | 1,378 |
| Pretax return on assets | 1.5837% | 1,104 |
| Return on Equity (ROE) | 8.6040% | 2,276 |
| Retained earnings to average equity (ytd only) | 0.6069% | 3,841 |
| Net charge-offs to loans | 0.0329% | 1,735 |
| Credit loss provision to net charge-offs | 2,797.5400% | 274 |
| Earnings coverage of net charge-offs (x) | 97.2226% | 591 |
| Efficiency ratio | 51.4131% | 4,581 |
| Assets per employee ($millions) | 5.4862% | 2,137 |
| Cash dividends to net income (ytd only)* | 92.9468% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,431 |
| Loan loss allowance to noncurrent loans | 433.6991% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 3,418 |
| Noncurrent loans to loans | 0.3401% | 3,278 |
| Net loans and leases to total assets | 66.2333% | 2,791 |
| Net loans and leases to deposits | 86.3740% | 1,952 |
| Net loans and leases to core deposits | 88.9324% | 2,455 |
| Total domestic deposits to total assets | 76.6820% | 4,398 |
| Equity capital to assets | 14.7782% | 814 |
| Core capital (leverage) ratio | 11.8623% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1333% | 2,221 |
| Memoranda: | ||
| Average total assets | $14,410,232,500 | 116 |
| Average earning assets | $13,062,811,500 | 113 |
| Average equity | $2,150,762,000 | 106 |
| Average total loans | $9,882,414,500 | 113 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 2,209 |
| Cost of funding earning assets | 0.3098% | 4,709 |
| Net interest margin | 4.4300% | 841 |
| Noninterest income to average assets | 0.8265% | 1,366 |
| Noninterest expense to average assets | 2.8016% | 2,597 |
| Loan and lease loss provision to assets | 0.0004% | 3,972 |
| Net operating income to assets | 1.6669% | 717 |
| Return on assets (ROA) | 1.7584% | 614 |
| Pretax return on assets | 2.1722% | 402 |
| Return on Equity (ROE) | 12.3345% | 1,387 |
| Retained earnings to average equity (ytd only) | 4.5778% | 2,663 |
| Net charge-offs to loans | 0.0760% | 2,008 |
| Credit loss provision to net charge-offs | 0.8375% | 3,381 |
| Earnings coverage of net charge-offs (x) | 38.8634% | 1,341 |
| Efficiency ratio | 56.2708% | 4,175 |
| Assets per employee ($millions) | 5.1753% | 2,365 |
| Cash dividends to net income (ytd only)* | 62.8858% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 1,924 |
| Loan loss allowance to noncurrent loans | 385.4776% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,339 |
| Noncurrent loans to loans | 0.3370% | 3,237 |
| Net loans and leases to total assets | 69.1691% | 2,519 |
| Net loans and leases to deposits | 87.2924% | 1,936 |
| Net loans and leases to core deposits | 89.9441% | 2,435 |
| Total domestic deposits to total assets | 79.2384% | 4,140 |
| Equity capital to assets | 15.0882% | 770 |
| Core capital (leverage) ratio | 11.4969% | 2,114 |
| Tier 1 risk-based capital ratio | 13.5160% | 3,516 |
| Total risk-based capital ratio | 14.6426% | 3,468 |
| Memoranda: | ||
| Average total assets | $12,841,626,000 | 120 |
| Average earning assets | $11,696,309,600 | 117 |
| Average equity | $1,830,692,400 | 112 |
| Average total loans | $8,959,236,800 | 118 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 2,395 |
| Cost of funding earning assets | 0.3350% | 4,708 |
| Net interest margin | 4.3734% | 1,003 |
| Noninterest income to average assets | 0.8536% | 1,259 |
| Noninterest expense to average assets | 2.8355% | 2,453 |
| Loan and lease loss provision to assets | 0.0006% | 3,832 |
| Net operating income to assets | 1.6145% | 899 |
| Return on assets (ROA) | 1.7362% | 733 |
| Pretax return on assets | 2.1566% | 495 |
| Return on Equity (ROE) | 12.3744% | 1,493 |
| Retained earnings to average equity (ytd only) | 5.2288% | 2,775 |
| Net charge-offs to loans | 0.0873% | 1,603 |
| Credit loss provision to net charge-offs | 0.9894% | 3,030 |
| Earnings coverage of net charge-offs (x) | 33.0097% | 1,538 |
| Efficiency ratio | 57.2651% | 4,031 |
| Assets per employee ($millions) | 5.2178% | 2,320 |
| Cash dividends to net income (ytd only)* | 57.7448% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 1,957 |
| Loan loss allowance to noncurrent loans | 261.9187% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 2,912 |
| Noncurrent loans to loans | 0.4971% | 2,804 |
| Net loans and leases to total assets | 69.4234% | 2,563 |
| Net loans and leases to deposits | 87.0476% | 2,055 |
| Net loans and leases to core deposits | 90.1695% | 2,537 |
| Total domestic deposits to total assets | 79.7534% | 4,034 |
| Equity capital to assets | 14.9970% | 845 |
| Core capital (leverage) ratio | 11.7791% | 2,016 |
| Tier 1 risk-based capital ratio | 13.4331% | 3,609 |
| Total risk-based capital ratio | 14.5725% | 3,574 |
| Memoranda: | ||
| Average total assets | $12,633,773,000 | 122 |
| Average earning assets | $11,522,884,000 | 119 |
| Average equity | $1,772,613,000 | 115 |
| Average total loans | $8,803,545,000 | 121 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 2,464 |
| Cost of funding earning assets | 0.3497% | 4,676 |
| Net interest margin | 4.3141% | 1,109 |
| Noninterest income to average assets | 0.8903% | 1,092 |
| Noninterest expense to average assets | 2.6442% | 3,076 |
| Loan and lease loss provision to assets | 0.0009% | 3,678 |
| Net operating income to assets | 1.7646% | 641 |
| Return on assets (ROA) | 1.7697% | 660 |
| Pretax return on assets | 2.2001% | 444 |
| Return on Equity (ROE) | 12.9448% | 1,261 |
| Retained earnings to average equity (ytd only) | 4.9604% | 2,786 |
| Net charge-offs to loans | 0.0526% | 1,892 |
| Credit loss provision to net charge-offs | 2.5424% | 2,717 |
| Earnings coverage of net charge-offs (x) | 60.0843% | 981 |
| Efficiency ratio | 53.4467% | 4,522 |
| Assets per employee ($millions) | 4.9952% | 2,483 |
| Cash dividends to net income (ytd only)* | 61.6807% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,417 |
| Loan loss allowance to noncurrent loans | 288.9829% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 2,875 |
| Noncurrent loans to loans | 0.5020% | 2,777 |
| Net loans and leases to total assets | 69.2375% | 2,637 |
| Net loans and leases to deposits | 88.2967% | 1,964 |
| Net loans and leases to core deposits | 91.6661% | 2,444 |
| Total domestic deposits to total assets | 78.4145% | 4,328 |
| Equity capital to assets | 14.0173% | 1,110 |
| Core capital (leverage) ratio | 11.2161% | 2,405 |
| Tier 1 risk-based capital ratio | 13.0627% | 3,805 |
| Total risk-based capital ratio | 14.3128% | 3,710 |
| Memoranda: | ||
| Average total assets | $12,275,970,330 | 126 |
| Average earning assets | $11,236,148,000 | 123 |
| Average equity | $1,678,261,330 | 118 |
| Average total loans | $8,524,217,000 | 127 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 2,503 |
| Cost of funding earning assets | 0.3337% | 4,732 |
| Net interest margin | 4.2743% | 1,142 |
| Noninterest income to average assets | 0.8700% | 1,118 |
| Noninterest expense to average assets | 2.6486% | 3,059 |
| Loan and lease loss provision to assets | 0.0019% | 3,393 |
| Net operating income to assets | 1.7190% | 702 |
| Return on assets (ROA) | 1.7260% | 721 |
| Pretax return on assets | 2.1493% | 487 |
| Return on Equity (ROE) | 12.7949% | 1,285 |
| Retained earnings to average equity (ytd only) | 6.6596% | 2,176 |
| Net charge-offs to loans | 0.0724% | 1,338 |
| Credit loss provision to net charge-offs | 3.7748% | 2,204 |
| Earnings coverage of net charge-offs (x) | 42.8576% | 1,110 |
| Efficiency ratio | 54.1121% | 4,525 |
| Assets per employee ($millions) | 4.8855% | 2,662 |
| Cash dividends to net income (ytd only)* | 47.9515% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,175 |
| Loan loss allowance to noncurrent loans | 303.8062% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 2,917 |
| Noncurrent loans to loans | 0.5113% | 2,782 |
| Net loans and leases to total assets | 68.1937% | 2,734 |
| Net loans and leases to deposits | 85.2901% | 2,217 |
| Net loans and leases to core deposits | 89.2519% | 2,582 |
| Total domestic deposits to total assets | 79.9550% | 4,184 |
| Equity capital to assets | 13.6598% | 1,147 |
| Core capital (leverage) ratio | 11.0787% | 2,501 |
| Tier 1 risk-based capital ratio | 13.2065% | 3,769 |
| Total risk-based capital ratio | 14.4575% | 3,674 |
| Memoranda: | ||
| Average total assets | $12,082,532,000 | 127 |
| Average earning assets | $11,084,161,500 | 122 |
| Average equity | $1,629,896,000 | 121 |
| Average total loans | $8,338,081,500 | 129 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 2,258 |
| Cost of funding earning assets | 0.2823% | 4,651 |
| Net interest margin | 4.2771% | 1,209 |
| Noninterest income to average assets | 0.9470% | 1,069 |
| Noninterest expense to average assets | 2.6770% | 3,104 |
| Loan and lease loss provision to assets | 0.0870% | 2,404 |
| Net operating income to assets | 1.7138% | 671 |
| Return on assets (ROA) | 1.7055% | 675 |
| Pretax return on assets | 2.0961% | 444 |
| Return on Equity (ROE) | 12.8085% | 1,421 |
| Retained earnings to average equity (ytd only) | 3.0879% | 3,853 |
| Net charge-offs to loans | 0.1067% | 1,684 |
| Credit loss provision to net charge-offs | 120.1763% | 2,165 |
| Earnings coverage of net charge-offs (x) | 30.2834% | 1,589 |
| Efficiency ratio | 53.8386% | 4,633 |
| Assets per employee ($millions) | 4.9179% | 2,596 |
| Cash dividends to net income (ytd only)* | 75.8920% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 1,076 |
| Loan loss allowance to noncurrent loans | 266.3616% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,698 |
| Noncurrent loans to loans | 0.5921% | 2,512 |
| Net loans and leases to total assets | 67.6656% | 2,926 |
| Net loans and leases to deposits | 85.6812% | 2,317 |
| Net loans and leases to core deposits | 89.3464% | 2,622 |
| Total domestic deposits to total assets | 78.9737% | 4,317 |
| Equity capital to assets | 13.3201% | 1,214 |
| Core capital (leverage) ratio | 11.0786% | 2,454 |
| Tier 1 risk-based capital ratio | 13.1019% | 3,787 |
| Total risk-based capital ratio | 14.3531% | 3,680 |
| Memoranda: | ||
| Average total assets | $11,434,577,400 | 124 |
| Average earning assets | $10,489,058,400 | 122 |
| Average equity | $1,522,538,000 | 121 |
| Average total loans | $7,764,159,800 | 128 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 2,196 |
| Cost of funding earning assets | 0.2808% | 4,627 |
| Net interest margin | 4.2477% | 1,239 |
| Noninterest income to average assets | 0.9714% | 1,009 |
| Noninterest expense to average assets | 2.6888% | 3,000 |
| Loan and lease loss provision to assets | 0.1030% | 1,945 |
| Net operating income to assets | 1.6955% | 756 |
| Return on assets (ROA) | 1.6879% | 768 |
| Pretax return on assets | 2.0668% | 527 |
| Return on Equity (ROE) | 12.6781% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.0569% | 3,743 |
| Net charge-offs to loans | 0.1004% | 1,487 |
| Credit loss provision to net charge-offs | 151.6899% | 1,689 |
| Earnings coverage of net charge-offs (x) | 32.0822% | 1,551 |
| Efficiency ratio | 54.1323% | 4,602 |
| Assets per employee ($millions) | 4.9191% | 2,570 |
| Cash dividends to net income (ytd only)* | 68.0005% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 1,024 |
| Loan loss allowance to noncurrent loans | 221.9794% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 2,436 |
| Noncurrent loans to loans | 0.7304% | 2,249 |
| Net loans and leases to total assets | 67.6060% | 2,999 |
| Net loans and leases to deposits | 83.2708% | 2,679 |
| Net loans and leases to core deposits | 86.8185% | 2,938 |
| Total domestic deposits to total assets | 81.1881% | 3,817 |
| Equity capital to assets | 13.3669% | 1,183 |
| Core capital (leverage) ratio | 11.1386% | 2,468 |
| Tier 1 risk-based capital ratio | 13.3058% | 3,726 |
| Total risk-based capital ratio | 14.5575% | 3,649 |
| Memoranda: | ||
| Average total assets | $11,267,510,500 | 123 |
| Average earning assets | $10,336,002,500 | 122 |
| Average equity | $1,500,143,750 | 120 |
| Average total loans | $7,625,023,750 | 129 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,294 |
| Cost of funding earning assets | 0.2789% | 4,570 |
| Net interest margin | 4.1594% | 1,380 |
| Noninterest income to average assets | 0.9528% | 1,045 |
| Noninterest expense to average assets | 2.6933% | 3,037 |
| Loan and lease loss provision to assets | 0.0997% | 1,952 |
| Net operating income to assets | 1.6204% | 875 |
| Return on assets (ROA) | 1.6152% | 898 |
| Pretax return on assets | 1.9739% | 636 |
| Return on Equity (ROE) | 12.1491% | 1,673 |
| Retained earnings to average equity (ytd only) | 3.0348% | 4,037 |
| Net charge-offs to loans | 0.0945% | 1,403 |
| Credit loss provision to net charge-offs | 156.7084% | 1,535 |
| Earnings coverage of net charge-offs (x) | 32.6913% | 1,428 |
| Efficiency ratio | 55.3614% | 4,549 |
| Assets per employee ($millions) | 4.8296% | 2,646 |
| Cash dividends to net income (ytd only)* | 75.0204% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 1,001 |
| Loan loss allowance to noncurrent loans | 185.5078% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 2,235 |
| Noncurrent loans to loans | 0.8862% | 1,952 |
| Net loans and leases to total assets | 66.2486% | 3,107 |
| Net loans and leases to deposits | 83.0965% | 2,636 |
| Net loans and leases to core deposits | 86.6912% | 2,850 |
| Total domestic deposits to total assets | 79.7250% | 4,300 |
| Equity capital to assets | 13.2604% | 1,204 |
| Core capital (leverage) ratio | 11.0745% | 2,460 |
| Tier 1 risk-based capital ratio | 13.2944% | 3,738 |
| Total risk-based capital ratio | 14.5463% | 3,659 |
| Memoranda: | ||
| Average total assets | $11,058,533,330 | 124 |
| Average earning assets | $10,157,378,330 | 122 |
| Average equity | $1,470,218,670 | 119 |
| Average total loans | $7,442,067,000 | 131 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,596 |
| Cost of funding earning assets | 0.2659% | 4,608 |
| Net interest margin | 4.0152% | 1,676 |
| Noninterest income to average assets | 1.3273% | 535 |
| Noninterest expense to average assets | 3.0372% | 1,979 |
| Loan and lease loss provision to assets | 0.0299% | 3,115 |
| Net operating income to assets | 1.5971% | 866 |
| Return on assets (ROA) | 1.5868% | 887 |
| Pretax return on assets | 1.9452% | 651 |
| Return on Equity (ROE) | 11.9184% | 1,609 |
| Retained earnings to average equity (ytd only) | 1.4783% | 4,499 |
| Net charge-offs to loans | 0.1539% | 917 |
| Credit loss provision to net charge-offs | 28.8566% | 2,076 |
| Earnings coverage of net charge-offs (x) | 19.2036% | 1,511 |
| Efficiency ratio | 59.6556% | 4,111 |
| Assets per employee ($millions) | 4.9375% | 2,556 |
| Cash dividends to net income (ytd only)* | 87.5968% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 1,043 |
| Loan loss allowance to noncurrent loans | 213.2078% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,554 |
| Noncurrent loans to loans | 0.7766% | 2,261 |
| Net loans and leases to total assets | 65.1012% | 3,164 |
| Net loans and leases to deposits | 80.1281% | 2,797 |
| Net loans and leases to core deposits | 85.9486% | 2,810 |
| Total domestic deposits to total assets | 81.2464% | 4,145 |
| Equity capital to assets | 13.4079% | 1,068 |
| Core capital (leverage) ratio | 12.2405% | 1,501 |
| Tier 1 risk-based capital ratio | 13.3665% | 3,737 |
| Total risk-based capital ratio | 14.6196% | 3,652 |
| Memoranda: | ||
| Average total assets | $10,647,379,500 | 124 |
| Average earning assets | $9,804,623,000 | 124 |
| Average equity | $1,417,604,000 | 124 |
| Average total loans | $7,161,871,000 | 135 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,426 |
| Cost of funding earning assets | 0.2856% | 4,272 |
| Net interest margin | 3.9843% | 1,796 |
| Noninterest income to average assets | 1.0830% | 867 |
| Noninterest expense to average assets | 2.6353% | 3,332 |
| Loan and lease loss provision to assets | 0.1122% | 2,025 |
| Net operating income to assets | 1.3290% | 1,166 |
| Return on assets (ROA) | 1.3244% | 1,190 |
| Pretax return on assets | 2.0190% | 472 |
| Return on Equity (ROE) | 10.2140% | 1,802 |
| Retained earnings to average equity (ytd only) | 0.6996% | 4,759 |
| Net charge-offs to loans | 0.1734% | 1,427 |
| Credit loss provision to net charge-offs | 99.9631% | 2,606 |
| Earnings coverage of net charge-offs (x) | 19.0458% | 2,042 |
| Efficiency ratio | 54.6666% | 4,891 |
| Assets per employee ($millions) | 4.4873% | 3,203 |
| Cash dividends to net income (ytd only)* | 93.1507% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 579 |
| Loan loss allowance to noncurrent loans | 254.5040% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 2,466 |
| Noncurrent loans to loans | 0.7694% | 2,287 |
| Net loans and leases to total assets | 67.2088% | 2,936 |
| Net loans and leases to deposits | 85.4760% | 2,330 |
| Net loans and leases to core deposits | 88.7282% | 2,667 |
| Total domestic deposits to total assets | 78.6288% | 4,619 |
| Equity capital to assets | 13.2010% | 1,162 |
| Core capital (leverage) ratio | 11.4321% | 1,991 |
| Tier 1 risk-based capital ratio | 13.7372% | 3,501 |
| Total risk-based capital ratio | 14.9938% | 3,417 |
| Memoranda: | ||
| Average total assets | $9,645,524,600 | 128 |
| Average earning assets | $8,934,027,400 | 123 |
| Average equity | $1,250,738,600 | 128 |
| Average total loans | $6,243,660,000 | 139 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,537 |
| Cost of funding earning assets | 0.2922% | 4,209 |
| Net interest margin | 3.9310% | 1,927 |
| Noninterest income to average assets | 1.0863% | 862 |
| Noninterest expense to average assets | 2.6057% | 3,393 |
| Loan and lease loss provision to assets | 0.1097% | 1,944 |
| Net operating income to assets | 1.4963% | 903 |
| Return on assets (ROA) | 1.4907% | 936 |
| Pretax return on assets | 2.0048% | 542 |
| Return on Equity (ROE) | 11.5478% | 1,473 |
| Retained earnings to average equity (ytd only) | 1.2660% | 4,897 |
| Net charge-offs to loans | 0.1720% | 1,213 |
| Credit loss provision to net charge-offs | 100.0504% | 2,274 |
| Earnings coverage of net charge-offs (x) | 19.3464% | 2,005 |
| Efficiency ratio | 54.5650% | 4,895 |
| Assets per employee ($millions) | 4.5808% | 3,000 |
| Cash dividends to net income (ytd only)* | 89.0373% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 597 |
| Loan loss allowance to noncurrent loans | 255.6093% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,673 |
| Noncurrent loans to loans | 0.7730% | 2,434 |
| Net loans and leases to total assets | 65.9486% | 3,110 |
| Net loans and leases to deposits | 82.6596% | 2,699 |
| Net loans and leases to core deposits | 86.1359% | 2,953 |
| Total domestic deposits to total assets | 79.7834% | 4,367 |
| Equity capital to assets | 13.1627% | 1,311 |
| Core capital (leverage) ratio | 11.2568% | 2,217 |
| Tier 1 risk-based capital ratio | 13.8550% | 3,508 |
| Total risk-based capital ratio | 15.1114% | 3,435 |
| Memoranda: | ||
| Average total assets | $9,643,869,000 | 127 |
| Average earning assets | $8,933,688,750 | 124 |
| Average equity | $1,244,879,250 | 130 |
| Average total loans | $6,150,410,750 | 144 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 2,668 |
| Cost of funding earning assets | 0.2933% | 4,147 |
| Net interest margin | 3.8567% | 2,069 |
| Noninterest income to average assets | 1.0423% | 941 |
| Noninterest expense to average assets | 2.5579% | 3,558 |
| Loan and lease loss provision to assets | 0.0960% | 2,078 |
| Net operating income to assets | 1.4515% | 947 |
| Return on assets (ROA) | 1.4419% | 996 |
| Pretax return on assets | 1.9495% | 589 |
| Return on Equity (ROE) | 11.2448% | 1,553 |
| Retained earnings to average equity (ytd only) | 3.7781% | 3,436 |
| Net charge-offs to loans | 0.1432% | 1,296 |
| Credit loss provision to net charge-offs | 107.0831% | 1,922 |
| Earnings coverage of net charge-offs (x) | 22.9689% | 1,687 |
| Efficiency ratio | 54.8494% | 4,938 |
| Assets per employee ($millions) | 4.5918% | 2,960 |
| Cash dividends to net income (ytd only)* | 66.4011% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 567 |
| Loan loss allowance to noncurrent loans | 257.7896% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 2,618 |
| Noncurrent loans to loans | 0.7892% | 2,431 |
| Net loans and leases to total assets | 63.4332% | 3,462 |
| Net loans and leases to deposits | 79.9374% | 2,913 |
| Net loans and leases to core deposits | 85.0976% | 2,961 |
| Total domestic deposits to total assets | 79.3536% | 4,544 |
| Equity capital to assets | 13.1360% | 1,308 |
| Core capital (leverage) ratio | 11.5318% | 1,949 |
| Tier 1 risk-based capital ratio | 13.9072% | 3,471 |
| Total risk-based capital ratio | 15.1634% | 3,392 |
| Memoranda: | ||
| Average total assets | $9,609,213,330 | 127 |
| Average earning assets | $8,905,096,000 | 121 |
| Average equity | $1,232,147,670 | 128 |
| Average total loans | $6,014,500,330 | 143 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 2,867 |
| Cost of funding earning assets | 0.2888% | 4,157 |
| Net interest margin | 3.7581% | 2,272 |
| Noninterest income to average assets | 1.0165% | 971 |
| Noninterest expense to average assets | 2.5530% | 3,650 |
| Loan and lease loss provision to assets | 0.0674% | 2,460 |
| Net operating income to assets | 1.4058% | 989 |
| Return on assets (ROA) | 1.4026% | 1,029 |
| Pretax return on assets | 1.8810% | 671 |
| Return on Equity (ROE) | 11.0794% | 1,535 |
| Retained earnings to average equity (ytd only) | 3.4173% | 3,734 |
| Net charge-offs to loans | 0.1334% | 1,128 |
| Credit loss provision to net charge-offs | 82.2016% | 1,746 |
| Earnings coverage of net charge-offs (x) | 23.8158% | 1,380 |
| Efficiency ratio | 56.1006% | 4,932 |
| Assets per employee ($millions) | 4.5194% | 3,140 |
| Cash dividends to net income (ytd only)* | 69.1563% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 483 |
| Loan loss allowance to noncurrent loans | 240.6354% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 2,554 |
| Noncurrent loans to loans | 0.9098% | 2,214 |
| Net loans and leases to total assets | 60.5438% | 3,725 |
| Net loans and leases to deposits | 76.5865% | 3,125 |
| Net loans and leases to core deposits | 82.9442% | 2,999 |
| Total domestic deposits to total assets | 79.0529% | 4,810 |
| Equity capital to assets | 12.6633% | 1,434 |
| Core capital (leverage) ratio | 11.4118% | 2,014 |
| Tier 1 risk-based capital ratio | 14.3676% | 3,276 |
| Total risk-based capital ratio | 15.6253% | 3,194 |
| Memoranda: | ||
| Average total assets | $9,484,531,500 | 128 |
| Average earning assets | $8,805,490,000 | 125 |
| Average equity | $1,200,709,500 | 130 |
| Average total loans | $5,830,006,500 | 144 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 2,818 |
| Cost of funding earning assets | 0.3035% | 4,030 |
| Net interest margin | 3.8054% | 2,302 |
| Noninterest income to average assets | 1.0979% | 945 |
| Noninterest expense to average assets | 2.7037% | 3,330 |
| Loan and lease loss provision to assets | 0.0253% | 3,851 |
| Net operating income to assets | 1.4114% | 991 |
| Return on assets (ROA) | 1.3997% | 1,035 |
| Pretax return on assets | 1.8814% | 643 |
| Return on Equity (ROE) | 10.8043% | 1,650 |
| Retained earnings to average equity (ytd only) | 2.0091% | 4,401 |
| Net charge-offs to loans | 0.0451% | 3,137 |
| Credit loss provision to net charge-offs | 94.9146% | 2,705 |
| Earnings coverage of net charge-offs (x) | 72.0793% | 774 |
| Efficiency ratio | 57.7457% | 4,882 |
| Assets per employee ($millions) | 4.4749% | 3,153 |
| Cash dividends to net income (ytd only)* | 81.4048% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 436 |
| Loan loss allowance to noncurrent loans | 252.0170% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 2,591 |
| Noncurrent loans to loans | 0.8930% | 2,310 |
| Net loans and leases to total assets | 59.6599% | 3,892 |
| Net loans and leases to deposits | 75.6829% | 3,356 |
| Net loans and leases to core deposits | 81.6030% | 3,243 |
| Total domestic deposits to total assets | 78.8288% | 4,830 |
| Equity capital to assets | 12.6560% | 1,424 |
| Core capital (leverage) ratio | 11.4483% | 1,969 |
| Tier 1 risk-based capital ratio | 14.5010% | 3,195 |
| Total risk-based capital ratio | 15.7582% | 3,124 |
| Memoranda: | ||
| Average total assets | $9,215,349,000 | 126 |
| Average earning assets | $8,544,254,000 | 122 |
| Average equity | $1,193,831,800 | 126 |
| Average total loans | $5,450,871,200 | 149 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 2,842 |
| Cost of funding earning assets | 0.3093% | 3,989 |
| Net interest margin | 3.8001% | 2,329 |
| Noninterest income to average assets | 1.0825% | 966 |
| Noninterest expense to average assets | 2.7168% | 3,307 |
| Loan and lease loss provision to assets | 0.0174% | 3,897 |
| Net operating income to assets | 1.3894% | 1,089 |
| Return on assets (ROA) | 1.3818% | 1,162 |
| Pretax return on assets | 1.8614% | 779 |
| Return on Equity (ROE) | 10.6034% | 1,823 |
| Retained earnings to average equity (ytd only) | 3.9024% | 3,525 |
| Net charge-offs to loans | -0.0408% | 5,292 |
| Credit loss provision to net charge-offs | -72.6719% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2430% | 4,780 |
| Assets per employee ($millions) | 4.4316% | 3,187 |
| Cash dividends to net income (ytd only)* | 63.1965% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3387% | 413 |
| Loan loss allowance to noncurrent loans | 236.3007% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 2,612 |
| Noncurrent loans to loans | 0.9897% | 2,264 |
| Net loans and leases to total assets | 59.5268% | 3,937 |
| Net loans and leases to deposits | 75.1844% | 3,482 |
| Net loans and leases to core deposits | 81.1856% | 3,342 |
| Total domestic deposits to total assets | 79.1743% | 4,682 |
| Equity capital to assets | 13.2146% | 1,386 |
| Core capital (leverage) ratio | 11.7742% | 1,826 |
| Tier 1 risk-based capital ratio | 15.0495% | 3,031 |
| Total risk-based capital ratio | 16.3079% | 2,959 |
| Memoranda: | ||
| Average total assets | $9,160,895,500 | 126 |
| Average earning assets | $8,493,765,750 | 123 |
| Average equity | $1,193,824,500 | 126 |
| Average total loans | $5,374,241,500 | 149 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 2,816 |
| Cost of funding earning assets | 0.3151% | 3,961 |
| Net interest margin | 3.7955% | 2,339 |
| Noninterest income to average assets | 1.0463% | 1,022 |
| Noninterest expense to average assets | 2.6999% | 3,399 |
| Loan and lease loss provision to assets | 0.0125% | 3,851 |
| Net operating income to assets | 1.3719% | 1,111 |
| Return on assets (ROA) | 1.3700% | 1,189 |
| Pretax return on assets | 1.8496% | 789 |
| Return on Equity (ROE) | 10.5635% | 1,825 |
| Retained earnings to average equity (ytd only) | 3.7966% | 3,470 |
| Net charge-offs to loans | -0.0804% | 5,545 |
| Credit loss provision to net charge-offs | -26.7798% | 4,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3885% | 4,850 |
| Assets per employee ($millions) | 4.3624% | 3,279 |
| Cash dividends to net income (ytd only)* | 64.0594% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4279% | 393 |
| Loan loss allowance to noncurrent loans | 254.2023% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 2,720 |
| Noncurrent loans to loans | 0.9551% | 2,373 |
| Net loans and leases to total assets | 57.9657% | 4,119 |
| Net loans and leases to deposits | 74.5480% | 3,524 |
| Net loans and leases to core deposits | 81.1160% | 3,355 |
| Total domestic deposits to total assets | 77.7562% | 5,045 |
| Equity capital to assets | 13.1325% | 1,426 |
| Core capital (leverage) ratio | 11.5660% | 1,939 |
| Tier 1 risk-based capital ratio | 15.0964% | 3,037 |
| Total risk-based capital ratio | 16.3552% | 2,961 |
| Memoranda: | ||
| Average total assets | $9,115,361,670 | 124 |
| Average earning assets | $8,449,416,670 | 120 |
| Average equity | $1,182,222,330 | 126 |
| Average total loans | $5,276,644,670 | 150 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 2,955 |
| Cost of funding earning assets | 0.3224% | 3,918 |
| Net interest margin | 3.7504% | 2,478 |
| Noninterest income to average assets | 0.9774% | 1,130 |
| Noninterest expense to average assets | 2.6387% | 3,621 |
| Loan and lease loss provision to assets | 0.0250% | 3,348 |
| Net operating income to assets | 1.3327% | 1,180 |
| Return on assets (ROA) | 1.3363% | 1,252 |
| Pretax return on assets | 1.7964% | 858 |
| Return on Equity (ROE) | 10.3689% | 1,832 |
| Retained earnings to average equity (ytd only) | 3.5351% | 3,726 |
| Net charge-offs to loans | 0.0147% | 2,647 |
| Credit loss provision to net charge-offs | 296.8586% | 861 |
| Earnings coverage of net charge-offs (x) | 215.9895% | 283 |
| Efficiency ratio | 58.5671% | 4,936 |
| Assets per employee ($millions) | 4.3688% | 3,293 |
| Cash dividends to net income (ytd only)* | 65.9065% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4814% | 394 |
| Loan loss allowance to noncurrent loans | 222.5981% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 2,684 |
| Noncurrent loans to loans | 1.1147% | 2,170 |
| Net loans and leases to total assets | 56.1735% | 4,237 |
| Net loans and leases to deposits | 72.3829% | 3,616 |
| Net loans and leases to core deposits | 78.4885% | 3,452 |
| Total domestic deposits to total assets | 77.6060% | 5,202 |
| Equity capital to assets | 12.9415% | 1,437 |
| Core capital (leverage) ratio | 11.5595% | 1,935 |
| Tier 1 risk-based capital ratio | 15.2459% | 3,042 |
| Total risk-based capital ratio | 16.5048% | 2,977 |
| Memoranda: | ||
| Average total assets | $9,083,801,500 | 124 |
| Average earning assets | $8,423,744,000 | 120 |
| Average equity | $1,170,651,500 | 127 |
| Average total loans | $5,188,588,500 | 152 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,966 |
| Cost of funding earning assets | 0.3277% | 3,935 |
| Net interest margin | 3.7606% | 2,521 |
| Noninterest income to average assets | 1.0489% | 1,072 |
| Noninterest expense to average assets | 2.6260% | 3,832 |
| Loan and lease loss provision to assets | 0.0263% | 3,864 |
| Net operating income to assets | 1.4341% | 973 |
| Return on assets (ROA) | 1.4343% | 1,003 |
| Pretax return on assets | 1.8713% | 691 |
| Return on Equity (ROE) | 10.7998% | 1,681 |
| Retained earnings to average equity (ytd only) | 1.2836% | 4,986 |
| Net charge-offs to loans | 0.0480% | 3,246 |
| Credit loss provision to net charge-offs | 97.5872% | 2,605 |
| Earnings coverage of net charge-offs (x) | 70.5015% | 766 |
| Efficiency ratio | 57.2954% | 5,225 |
| Assets per employee ($millions) | 4.4102% | 3,196 |
| Cash dividends to net income (ytd only)* | 88.1143% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5256% | 384 |
| Loan loss allowance to noncurrent loans | 242.0036% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 2,764 |
| Noncurrent loans to loans | 1.0436% | 2,244 |
| Net loans and leases to total assets | 55.2033% | 4,363 |
| Net loans and leases to deposits | 71.5704% | 3,761 |
| Net loans and leases to core deposits | 77.5637% | 3,598 |
| Total domestic deposits to total assets | 77.1315% | 5,296 |
| Equity capital to assets | 12.8328% | 1,442 |
| Core capital (leverage) ratio | 11.6635% | 1,838 |
| Tier 1 risk-based capital ratio | 15.3987% | 2,989 |
| Total risk-based capital ratio | 16.6582% | 2,916 |
| Memoranda: | ||
| Average total assets | $8,624,545,400 | 125 |
| Average earning assets | $7,968,341,200 | 120 |
| Average equity | $1,145,418,800 | 122 |
| Average total loans | $4,837,865,000 | 152 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,989 |
| Cost of funding earning assets | 0.3342% | 3,931 |
| Net interest margin | 3.7553% | 2,541 |
| Noninterest income to average assets | 1.0633% | 1,059 |
| Noninterest expense to average assets | 2.6165% | 3,812 |
| Loan and lease loss provision to assets | 0.0293% | 3,654 |
| Net operating income to assets | 1.4439% | 1,018 |
| Return on assets (ROA) | 1.4424% | 1,070 |
| Pretax return on assets | 1.8833% | 751 |
| Return on Equity (ROE) | 10.7640% | 1,801 |
| Retained earnings to average equity (ytd only) | 3.2845% | 4,130 |
| Net charge-offs to loans | 0.0240% | 3,459 |
| Credit loss provision to net charge-offs | 218.2984% | 1,249 |
| Earnings coverage of net charge-offs (x) | 142.4885% | 483 |
| Efficiency ratio | 56.9833% | 5,230 |
| Assets per employee ($millions) | 4.4790% | 3,046 |
| Cash dividends to net income (ytd only)* | 69.4859% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6596% | 351 |
| Loan loss allowance to noncurrent loans | 222.7848% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 2,713 |
| Noncurrent loans to loans | 1.1938% | 2,141 |
| Net loans and leases to total assets | 54.7425% | 4,488 |
| Net loans and leases to deposits | 71.1927% | 3,852 |
| Net loans and leases to core deposits | 77.4642% | 3,653 |
| Total domestic deposits to total assets | 76.8934% | 5,359 |
| Equity capital to assets | 13.1905% | 1,358 |
| Core capital (leverage) ratio | 11.9273% | 1,717 |
| Tier 1 risk-based capital ratio | 15.9202% | 2,838 |
| Total risk-based capital ratio | 17.1810% | 2,773 |
| Memoranda: | ||
| Average total assets | $8,513,834,250 | 128 |
| Average earning assets | $7,862,075,500 | 122 |
| Average equity | $1,140,873,250 | 125 |
| Average total loans | $4,763,532,000 | 158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 2,930 |
| Cost of funding earning assets | 0.3393% | 3,932 |
| Net interest margin | 3.7515% | 2,511 |
| Noninterest income to average assets | 1.0541% | 1,065 |
| Noninterest expense to average assets | 2.6223% | 3,841 |
| Loan and lease loss provision to assets | 0.0248% | 3,639 |
| Net operating income to assets | 1.4436% | 1,005 |
| Return on assets (ROA) | 1.4419% | 1,046 |
| Pretax return on assets | 1.8646% | 796 |
| Return on Equity (ROE) | 10.7028% | 1,778 |
| Retained earnings to average equity (ytd only) | 5.0727% | 2,816 |
| Net charge-offs to loans | 0.0119% | 3,494 |
| Credit loss provision to net charge-offs | 372.5979% | 791 |
| Earnings coverage of net charge-offs (x) | 283.9893% | 241 |
| Efficiency ratio | 57.3143% | 5,304 |
| Assets per employee ($millions) | 4.3435% | 3,226 |
| Cash dividends to net income (ytd only)* | 52.6039% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6852% | 380 |
| Loan loss allowance to noncurrent loans | 226.0656% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 2,801 |
| Noncurrent loans to loans | 1.1878% | 2,276 |
| Net loans and leases to total assets | 55.1960% | 4,426 |
| Net loans and leases to deposits | 71.7596% | 3,742 |
| Net loans and leases to core deposits | 78.8732% | 3,496 |
| Total domestic deposits to total assets | 76.9179% | 5,468 |
| Equity capital to assets | 13.4315% | 1,201 |
| Core capital (leverage) ratio | 12.1212% | 1,587 |
| Tier 1 risk-based capital ratio | 16.3028% | 2,710 |
| Total risk-based capital ratio | 17.5636% | 2,664 |
| Memoranda: | ||
| Average total assets | $8,437,464,000 | 132 |
| Average earning assets | $7,781,217,670 | 125 |
| Average equity | $1,136,751,000 | 128 |
| Average total loans | $4,712,417,670 | 161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 2,852 |
| Cost of funding earning assets | 0.3432% | 3,950 |
| Net interest margin | 3.7516% | 2,429 |
| Noninterest income to average assets | 0.9787% | 1,166 |
| Noninterest expense to average assets | 2.5388% | 4,142 |
| Loan and lease loss provision to assets | 0.0366% | 3,168 |
| Net operating income to assets | 1.4192% | 996 |
| Return on assets (ROA) | 1.4194% | 1,051 |
| Pretax return on assets | 1.8604% | 775 |
| Return on Equity (ROE) | 10.5190% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.8534% | 3,141 |
| Net charge-offs to loans | 0.0571% | 2,188 |
| Credit loss provision to net charge-offs | 115.5589% | 1,476 |
| Earnings coverage of net charge-offs (x) | 59.9622% | 738 |
| Efficiency ratio | 56.4506% | 5,484 |
| Assets per employee ($millions) | 4.4147% | 3,183 |
| Cash dividends to net income (ytd only)* | 53.8612% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7385% | 390 |
| Loan loss allowance to noncurrent loans | 206.0847% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 2,700 |
| Noncurrent loans to loans | 1.3288% | 2,165 |
| Net loans and leases to total assets | 54.5520% | 4,363 |
| Net loans and leases to deposits | 71.0611% | 3,633 |
| Net loans and leases to core deposits | 78.3334% | 3,344 |
| Total domestic deposits to total assets | 76.7677% | 5,651 |
| Equity capital to assets | 13.5802% | 1,140 |
| Core capital (leverage) ratio | 12.3107% | 1,451 |
| Tier 1 risk-based capital ratio | 16.4397% | 2,714 |
| Total risk-based capital ratio | 17.7009% | 2,645 |
| Memoranda: | ||
| Average total assets | $8,371,362,000 | 130 |
| Average earning assets | $7,713,654,500 | 125 |
| Average equity | $1,129,611,000 | 125 |
| Average total loans | $4,638,311,000 | 157 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,055 |
| Cost of funding earning assets | 0.3250% | 4,536 |
| Net interest margin | 3.8418% | 2,457 |
| Noninterest income to average assets | 1.0216% | 1,170 |
| Noninterest expense to average assets | 2.5630% | 4,347 |
| Loan and lease loss provision to assets | 0.0239% | 4,125 |
| Net operating income to assets | 1.4811% | 911 |
| Return on assets (ROA) | 1.4793% | 957 |
| Pretax return on assets | 1.9670% | 544 |
| Return on Equity (ROE) | 10.9594% | 1,733 |
| Retained earnings to average equity (ytd only) | 3.6778% | 3,605 |
| Net charge-offs to loans | 0.0582% | 3,676 |
| Credit loss provision to net charge-offs | 76.1753% | 2,943 |
| Earnings coverage of net charge-offs (x) | 63.4275% | 757 |
| Efficiency ratio | 55.4789% | 5,718 |
| Assets per employee ($millions) | 4.4490% | 3,121 |
| Cash dividends to net income (ytd only)* | 66.4415% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8613% | 347 |
| Loan loss allowance to noncurrent loans | 208.0008% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 2,814 |
| Noncurrent loans to loans | 1.3756% | 2,132 |
| Net loans and leases to total assets | 53.1467% | 4,670 |
| Net loans and leases to deposits | 68.8253% | 4,047 |
| Net loans and leases to core deposits | 76.5126% | 3,655 |
| Total domestic deposits to total assets | 77.2197% | 5,567 |
| Equity capital to assets | 13.4056% | 1,191 |
| Core capital (leverage) ratio | 12.0252% | 1,601 |
| Tier 1 risk-based capital ratio | 16.9865% | 2,523 |
| Total risk-based capital ratio | 18.2497% | 2,472 |
| Memoranda: | ||
| Average total assets | $7,986,893,600 | 129 |
| Average earning assets | $7,348,459,400 | 124 |
| Average equity | $1,078,057,600 | 125 |
| Average total loans | $4,310,600,800 | 161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,028 |
| Cost of funding earning assets | 0.3170% | 4,705 |
| Net interest margin | 3.8726% | 2,342 |
| Noninterest income to average assets | 1.0097% | 1,205 |
| Noninterest expense to average assets | 2.5495% | 4,365 |
| Loan and lease loss provision to assets | 0.0290% | 3,829 |
| Net operating income to assets | 1.4980% | 949 |
| Return on assets (ROA) | 1.4960% | 980 |
| Pretax return on assets | 1.9909% | 584 |
| Return on Equity (ROE) | 11.0636% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.8290% | 2,514 |
| Net charge-offs to loans | 0.0451% | 3,590 |
| Credit loss provision to net charge-offs | 119.5139% | 1,921 |
| Earnings coverage of net charge-offs (x) | 83.3438% | 685 |
| Efficiency ratio | 55.0051% | 5,744 |
| Assets per employee ($millions) | 4.3309% | 3,251 |
| Cash dividends to net income (ytd only)* | 47.3133% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8871% | 400 |
| Loan loss allowance to noncurrent loans | 186.6758% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 2,751 |
| Noncurrent loans to loans | 1.5466% | 2,098 |
| Net loans and leases to total assets | 54.3129% | 4,541 |
| Net loans and leases to deposits | 71.4176% | 3,746 |
| Net loans and leases to core deposits | 79.2000% | 3,413 |
| Total domestic deposits to total assets | 76.0497% | 5,807 |
| Equity capital to assets | 13.8788% | 1,048 |
| Core capital (leverage) ratio | 12.4087% | 1,454 |
| Tier 1 risk-based capital ratio | 17.1155% | 2,568 |
| Total risk-based capital ratio | 18.3789% | 2,518 |
| Memoranda: | ||
| Average total assets | $7,911,490,000 | 131 |
| Average earning assets | $7,277,732,000 | 124 |
| Average equity | $1,069,791,250 | 126 |
| Average total loans | $4,254,545,500 | 160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 3,008 |
| Cost of funding earning assets | 0.3224% | 4,732 |
| Net interest margin | 3.8622% | 2,319 |
| Noninterest income to average assets | 0.9644% | 1,298 |
| Noninterest expense to average assets | 2.5242% | 4,500 |
| Loan and lease loss provision to assets | 0.0347% | 3,595 |
| Net operating income to assets | 1.4804% | 905 |
| Return on assets (ROA) | 1.4785% | 945 |
| Pretax return on assets | 1.9566% | 611 |
| Return on Equity (ROE) | 11.0342% | 1,731 |
| Retained earnings to average equity (ytd only) | 5.7115% | 2,505 |
| Net charge-offs to loans | 0.0517% | 3,232 |
| Credit loss provision to net charge-offs | 126.4870% | 1,643 |
| Earnings coverage of net charge-offs (x) | 72.7481% | 714 |
| Efficiency ratio | 55.0790% | 5,827 |
| Assets per employee ($millions) | 4.4225% | 3,048 |
| Cash dividends to net income (ytd only)* | 48.2376% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0671% | 354 |
| Loan loss allowance to noncurrent loans | 167.6303% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 2,655 |
| Noncurrent loans to loans | 1.8297% | 1,875 |
| Net loans and leases to total assets | 52.4469% | 4,701 |
| Net loans and leases to deposits | 71.0898% | 3,694 |
| Net loans and leases to core deposits | 79.4493% | 3,269 |
| Total domestic deposits to total assets | 73.7756% | 6,131 |
| Equity capital to assets | 13.6631% | 1,100 |
| Core capital (leverage) ratio | 12.0117% | 1,643 |
| Tier 1 risk-based capital ratio | 17.0141% | 2,612 |
| Total risk-based capital ratio | 18.2787% | 2,565 |
| Memoranda: | ||
| Average total assets | $7,851,938,330 | 133 |
| Average earning assets | $7,224,600,670 | 125 |
| Average equity | $1,052,115,330 | 127 |
| Average total loans | $4,164,518,330 | 163 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,921 |
| Cost of funding earning assets | 0.3260% | 4,784 |
| Net interest margin | 3.8612% | 2,224 |
| Noninterest income to average assets | 0.8892% | 1,430 |
| Noninterest expense to average assets | 2.4708% | 4,713 |
| Loan and lease loss provision to assets | 0.0572% | 2,970 |
| Net operating income to assets | 1.4275% | 939 |
| Return on assets (ROA) | 1.4256% | 983 |
| Pretax return on assets | 1.9116% | 635 |
| Return on Equity (ROE) | 10.7452% | 1,781 |
| Retained earnings to average equity (ytd only) | 5.3626% | 2,878 |
| Net charge-offs to loans | 0.0723% | 2,423 |
| Credit loss provision to net charge-offs | 150.8065% | 1,252 |
| Earnings coverage of net charge-offs (x) | 51.9476% | 734 |
| Efficiency ratio | 54.8055% | 5,942 |
| Assets per employee ($millions) | 4.4189% | 3,113 |
| Cash dividends to net income (ytd only)* | 50.0930% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1694% | 367 |
| Loan loss allowance to noncurrent loans | 164.4762% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 2,756 |
| Noncurrent loans to loans | 1.9270% | 1,955 |
| Net loans and leases to total assets | 51.1221% | 4,779 |
| Net loans and leases to deposits | 70.2467% | 3,570 |
| Net loans and leases to core deposits | 78.0571% | 3,197 |
| Total domestic deposits to total assets | 72.7751% | 6,320 |
| Equity capital to assets | 13.4432% | 1,118 |
| Core capital (leverage) ratio | 11.7372% | 1,813 |
| Tier 1 risk-based capital ratio | 16.8996% | 2,735 |
| Total risk-based capital ratio | 18.1646% | 2,685 |
| Memoranda: | ||
| Average total assets | $7,841,873,500 | 134 |
| Average earning assets | $7,215,988,000 | 126 |
| Average equity | $1,040,390,500 | 129 |
| Average total loans | $4,117,130,000 | 163 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 5,060 |
| Cost of funding earning assets | 0.3543% | 5,095 |
| Net interest margin | 3.3676% | 4,412 |
| Noninterest income to average assets | 1.0610% | 1,250 |
| Noninterest expense to average assets | 2.3484% | 5,238 |
| Loan and lease loss provision to assets | 0.0881% | 3,344 |
| Net operating income to assets | 1.3031% | 1,240 |
| Return on assets (ROA) | 1.3314% | 1,219 |
| Pretax return on assets | 1.7747% | 801 |
| Return on Equity (ROE) | 10.5353% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.6649% | 2,839 |
| Net charge-offs to loans | 0.1947% | 2,908 |
| Credit loss provision to net charge-offs | 93.1935% | 2,671 |
| Earnings coverage of net charge-offs (x) | 19.3077% | 1,614 |
| Efficiency ratio | 55.6008% | 5,989 |
| Assets per employee ($millions) | 4.4697% | 2,955 |
| Cash dividends to net income (ytd only)* | 55.7215% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1719% | 383 |
| Loan loss allowance to noncurrent loans | 157.6801% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 2,850 |
| Noncurrent loans to loans | 2.0116% | 1,980 |
| Net loans and leases to total assets | 50.5545% | 5,019 |
| Net loans and leases to deposits | 70.6670% | 3,706 |
| Net loans and leases to core deposits | 78.3614% | 3,314 |
| Total domestic deposits to total assets | 71.5390% | 6,451 |
| Equity capital to assets | 13.0923% | 1,231 |
| Core capital (leverage) ratio | 11.4401% | 2,004 |
| Tier 1 risk-based capital ratio | 16.6658% | 2,777 |
| Total risk-based capital ratio | 17.9308% | 2,725 |
| Memoranda: | ||
| Average total assets | $7,818,018,000 | 131 |
| Average earning assets | $7,225,717,400 | 127 |
| Average equity | $987,998,600 | 129 |
| Average total loans | $3,795,126,800 | 166 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 5,532 |
| Cost of funding earning assets | 0.3591% | 5,206 |
| Net interest margin | 3.2078% | 4,972 |
| Noninterest income to average assets | 1.0894% | 1,234 |
| Noninterest expense to average assets | 2.2845% | 5,393 |
| Loan and lease loss provision to assets | 0.0869% | 3,323 |
| Net operating income to assets | 1.2664% | 1,440 |
| Return on assets (ROA) | 1.3042% | 1,402 |
| Pretax return on assets | 1.7364% | 1,023 |
| Return on Equity (ROE) | 10.4148% | 2,033 |
| Retained earnings to average equity (ytd only) | 4.0032% | 3,850 |
| Net charge-offs to loans | 0.1856% | 2,742 |
| Credit loss provision to net charge-offs | 98.2799% | 2,430 |
| Earnings coverage of net charge-offs (x) | 20.0580% | 1,605 |
| Efficiency ratio | 55.6480% | 5,955 |
| Assets per employee ($millions) | 4.5569% | 2,791 |
| Cash dividends to net income (ytd only)* | 61.5626% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2190% | 443 |
| Loan loss allowance to noncurrent loans | 147.7988% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 2,783 |
| Noncurrent loans to loans | 2.1779% | 2,032 |
| Net loans and leases to total assets | 48.9657% | 5,249 |
| Net loans and leases to deposits | 69.2963% | 3,890 |
| Net loans and leases to core deposits | 78.5512% | 3,290 |
| Total domestic deposits to total assets | 70.6613% | 6,569 |
| Equity capital to assets | 12.6289% | 1,511 |
| Core capital (leverage) ratio | 11.0764% | 2,406 |
| Tier 1 risk-based capital ratio | 16.4672% | 2,949 |
| Total risk-based capital ratio | 17.7326% | 2,913 |
| Memoranda: | ||
| Average total assets | $7,804,735,000 | 131 |
| Average earning assets | $7,221,022,750 | 127 |
| Average equity | $977,369,000 | 129 |
| Average total loans | $3,716,516,500 | 166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4034% | 5,899 |
| Cost of funding earning assets | 0.3639% | 5,282 |
| Net interest margin | 3.0395% | 5,468 |
| Noninterest income to average assets | 1.0947% | 1,271 |
| Noninterest expense to average assets | 2.2302% | 5,555 |
| Loan and lease loss provision to assets | 0.0822% | 3,423 |
| Net operating income to assets | 1.2148% | 1,551 |
| Return on assets (ROA) | 1.2182% | 1,645 |
| Pretax return on assets | 1.6063% | 1,357 |
| Return on Equity (ROE) | 9.7565% | 2,294 |
| Retained earnings to average equity (ytd only) | 2.2966% | 4,823 |
| Net charge-offs to loans | 0.1749% | 2,721 |
| Credit loss provision to net charge-offs | 100.9209% | 2,185 |
| Earnings coverage of net charge-offs (x) | 20.6694% | 1,448 |
| Efficiency ratio | 56.3420% | 5,923 |
| Assets per employee ($millions) | 4.7382% | 2,468 |
| Cash dividends to net income (ytd only)* | 76.4607% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4727% | 379 |
| Loan loss allowance to noncurrent loans | 145.8566% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 2,865 |
| Noncurrent loans to loans | 2.3809% | 1,980 |
| Net loans and leases to total assets | 45.7574% | 5,560 |
| Net loans and leases to deposits | 67.3167% | 4,100 |
| Net loans and leases to core deposits | 76.5712% | 3,474 |
| Total domestic deposits to total assets | 67.9734% | 6,718 |
| Equity capital to assets | 12.3262% | 1,688 |
| Core capital (leverage) ratio | 11.1047% | 2,257 |
| Tier 1 risk-based capital ratio | 16.7622% | 2,808 |
| Total risk-based capital ratio | 18.0294% | 2,774 |
| Memoranda: | ||
| Average total assets | $7,729,917,330 | 131 |
| Average earning assets | $7,170,740,000 | 127 |
| Average equity | $965,160,000 | 130 |
| Average total loans | $3,601,251,330 | 166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3281% | 6,097 |
| Cost of funding earning assets | 0.3785% | 5,300 |
| Net interest margin | 2.9496% | 5,709 |
| Noninterest income to average assets | 1.1096% | 1,208 |
| Noninterest expense to average assets | 2.1829% | 5,738 |
| Loan and lease loss provision to assets | 0.1102% | 2,856 |
| Net operating income to assets | 1.1462% | 1,694 |
| Return on assets (ROA) | 1.1435% | 1,819 |
| Pretax return on assets | 1.5527% | 1,418 |
| Return on Equity (ROE) | 9.0978% | 2,442 |
| Retained earnings to average equity (ytd only) | 1.5800% | 5,191 |
| Net charge-offs to loans | 0.2410% | 2,006 |
| Credit loss provision to net charge-offs | 99.1034% | 1,884 |
| Earnings coverage of net charge-offs (x) | 14.9816% | 1,425 |
| Efficiency ratio | 56.0441% | 6,060 |
| Assets per employee ($millions) | 4.7148% | 2,626 |
| Cash dividends to net income (ytd only)* | 82.6332% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7468% | 340 |
| Loan loss allowance to noncurrent loans | 143.1111% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 2,846 |
| Noncurrent loans to loans | 2.6181% | 1,966 |
| Net loans and leases to total assets | 44.4712% | 5,612 |
| Net loans and leases to deposits | 62.0082% | 4,543 |
| Net loans and leases to core deposits | 76.2406% | 3,289 |
| Total domestic deposits to total assets | 71.7182% | 6,673 |
| Equity capital to assets | 12.7119% | 1,583 |
| Core capital (leverage) ratio | 10.9136% | 2,337 |
| Tier 1 risk-based capital ratio | 17.3194% | 2,639 |
| Total risk-based capital ratio | 18.5891% | 2,595 |
| Memoranda: | ||
| Average total assets | $7,619,492,500 | 134 |
| Average earning assets | $7,077,807,500 | 130 |
| Average equity | $957,727,000 | 134 |
| Average total loans | $3,517,401,500 | 170 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 5,944 |
| Cost of funding earning assets | 0.4693% | 5,426 |
| Net interest margin | 3.2820% | 5,313 |
| Noninterest income to average assets | 0.9363% | 1,756 |
| Noninterest expense to average assets | 2.3249% | 5,624 |
| Loan and lease loss provision to assets | 0.2883% | 2,360 |
| Net operating income to assets | 1.0631% | 2,077 |
| Return on assets (ROA) | 1.0671% | 2,246 |
| Pretax return on assets | 1.3573% | 2,184 |
| Return on Equity (ROE) | 8.4394% | 2,899 |
| Retained earnings to average equity (ytd only) | 0.7013% | 5,519 |
| Net charge-offs to loans | 0.7970% | 1,470 |
| Credit loss provision to net charge-offs | 76.3650% | 3,952 |
| Earnings coverage of net charge-offs (x) | 4.3456% | 3,405 |
| Efficiency ratio | 57.9176% | 5,844 |
| Assets per employee ($millions) | 5.0435% | 2,175 |
| Cash dividends to net income (ytd only)* | 91.6904% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6934% | 361 |
| Loan loss allowance to noncurrent loans | 132.9452% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.6651% | 2,899 |
| Noncurrent loans to loans | 2.7781% | 1,901 |
| Net loans and leases to total assets | 44.4212% | 5,776 |
| Net loans and leases to deposits | 63.4569% | 4,606 |
| Net loans and leases to core deposits | 77.7746% | 3,292 |
| Total domestic deposits to total assets | 70.0021% | 6,784 |
| Equity capital to assets | 12.4293% | 1,761 |
| Core capital (leverage) ratio | 10.5541% | 2,700 |
| Tier 1 risk-based capital ratio | 17.5176% | 2,449 |
| Total risk-based capital ratio | 18.7878% | 2,415 |
| Memoranda: | ||
| Average total assets | $7,466,740,200 | 133 |
| Average earning assets | $6,891,369,800 | 131 |
| Average equity | $944,126,800 | 134 |
| Average total loans | $3,536,826,400 | 162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 5,898 |
| Cost of funding earning assets | 0.4874% | 5,522 |
| Net interest margin | 3.3666% | 5,155 |
| Noninterest income to average assets | 0.8829% | 1,896 |
| Noninterest expense to average assets | 2.3160% | 5,647 |
| Loan and lease loss provision to assets | 0.3462% | 1,894 |
| Net operating income to assets | 1.0470% | 2,294 |
| Return on assets (ROA) | 1.0470% | 2,512 |
| Pretax return on assets | 1.3238% | 2,514 |
| Return on Equity (ROE) | 8.2443% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.1551% | 3,977 |
| Net charge-offs to loans | 0.7583% | 1,453 |
| Credit loss provision to net charge-offs | 95.7426% | 3,119 |
| Earnings coverage of net charge-offs (x) | 4.6182% | 3,252 |
| Efficiency ratio | 57.3728% | 5,872 |
| Assets per employee ($millions) | 5.0146% | 2,168 |
| Cash dividends to net income (ytd only)* | 49.6006% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8746% | 342 |
| Loan loss allowance to noncurrent loans | 114.7121% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 2.2847% | 2,332 |
| Noncurrent loans to loans | 3.3777% | 1,622 |
| Net loans and leases to total assets | 44.6276% | 5,915 |
| Net loans and leases to deposits | 64.7362% | 4,623 |
| Net loans and leases to core deposits | 79.2126% | 3,300 |
| Total domestic deposits to total assets | 68.9377% | 6,887 |
| Equity capital to assets | 12.6669% | 1,787 |
| Core capital (leverage) ratio | 10.9968% | 2,384 |
| Tier 1 risk-based capital ratio | 17.6958% | 2,461 |
| Total risk-based capital ratio | 18.9676% | 2,423 |
| Memoranda: | ||
| Average total assets | $7,413,129,750 | 133 |
| Average earning assets | $6,832,997,500 | 132 |
| Average equity | $941,479,250 | 133 |
| Average total loans | $3,535,302,000 | 162 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 5,735 |
| Cost of funding earning assets | 0.5001% | 5,618 |
| Net interest margin | 3.4690% | 4,803 |
| Noninterest income to average assets | 0.8724% | 1,886 |
| Noninterest expense to average assets | 2.3105% | 5,703 |
| Loan and lease loss provision to assets | 0.4502% | 1,427 |
| Net operating income to assets | 1.0298% | 2,338 |
| Return on assets (ROA) | 1.0298% | 2,561 |
| Pretax return on assets | 1.3035% | 2,545 |
| Return on Equity (ROE) | 8.1014% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.0619% | 3,902 |
| Net charge-offs to loans | 0.9388% | 1,176 |
| Credit loss provision to net charge-offs | 99.6568% | 2,788 |
| Earnings coverage of net charge-offs (x) | 3.8819% | 3,243 |
| Efficiency ratio | 56.1219% | 6,102 |
| Assets per employee ($millions) | 4.8701% | 2,331 |
| Cash dividends to net income (ytd only)* | 49.8613% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8900% | 373 |
| Loan loss allowance to noncurrent loans | 105.9529% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 2.6161% | 2,117 |
| Noncurrent loans to loans | 3.6715% | 1,554 |
| Net loans and leases to total assets | 45.9089% | 5,833 |
| Net loans and leases to deposits | 67.6999% | 4,249 |
| Net loans and leases to core deposits | 81.6026% | 3,006 |
| Total domestic deposits to total assets | 67.8124% | 7,002 |
| Equity capital to assets | 12.8170% | 1,611 |
| Core capital (leverage) ratio | 11.0085% | 2,285 |
| Tier 1 risk-based capital ratio | 17.7355% | 2,385 |
| Total risk-based capital ratio | 19.0082% | 2,345 |
| Memoranda: | ||
| Average total assets | $7,351,795,670 | 133 |
| Average earning assets | $6,764,555,000 | 132 |
| Average equity | $934,531,330 | 133 |
| Average total loans | $3,538,042,670 | 160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 4,591 |
| Cost of funding earning assets | 0.4611% | 6,076 |
| Net interest margin | 3.8736% | 3,038 |
| Noninterest income to average assets | 0.5264% | 3,726 |
| Noninterest expense to average assets | 1.9236% | 6,602 |
| Loan and lease loss provision to assets | 0.6349% | 876 |
| Net operating income to assets | 1.1819% | 1,795 |
| Return on assets (ROA) | 1.1819% | 1,975 |
| Pretax return on assets | 1.5758% | 1,650 |
| Return on Equity (ROE) | 8.5624% | 3,019 |
| Retained earnings to average equity (ytd only) | 2.2896% | 5,113 |
| Net charge-offs to loans | 1.7129% | 562 |
| Credit loss provision to net charge-offs | 64.1212% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.2326% | 3,271 |
| Efficiency ratio | 46.3595% | 6,880 |
| Assets per employee ($millions) | 5.3699% | 1,815 |
| Cash dividends to net income (ytd only)* | 73.2601% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2372% | 309 |
| Loan loss allowance to noncurrent loans | 66.7717% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 4.2628% | 1,277 |
| Noncurrent loans to loans | 6.3458% | 753 |
| Net loans and leases to total assets | 55.2065% | 4,521 |
| Net loans and leases to deposits | 90.2702% | 943 |
| Net loans and leases to core deposits | 103.6835% | 785 |
| Total domestic deposits to total assets | 61.1569% | 7,181 |
| Equity capital to assets | 13.7694% | 1,105 |
| Core capital (leverage) ratio | 12.8679% | 1,179 |
| Tier 1 risk-based capital ratio | 18.5344% | 2,135 |
| Total risk-based capital ratio | 19.8133% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,385,937,500 | 481 |
| Average earning assets | $1,290,887,500 | 467 |
| Average equity | $191,302,500 | 375 |
| Average total loans | $801,210,500 | 504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 4,998 |
| Cost of funding earning assets | 0.5689% | 6,247 |
| Net interest margin | 3.9485% | 3,115 |
| Noninterest income to average assets | 0.7698% | 2,230 |
| Noninterest expense to average assets | 1.9917% | 6,689 |
| Loan and lease loss provision to assets | 1.2226% | 710 |
| Net operating income to assets | 0.9926% | 2,226 |
| Return on assets (ROA) | 1.0151% | 2,291 |
| Pretax return on assets | 1.2615% | 2,268 |
| Return on Equity (ROE) | 7.7052% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.1528% | 1,431 |
| Net charge-offs to loans | 1.9670% | 707 |
| Credit loss provision to net charge-offs | 103.9282% | 3,319 |
| Earnings coverage of net charge-offs (x) | 2.0878% | 4,211 |
| Efficiency ratio | 44.5868% | 7,105 |
| Assets per employee ($millions) | 5.2507% | 1,884 |
| Cash dividends to net income (ytd only)* | 7.1690% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4307% | 269 |
| Loan loss allowance to noncurrent loans | 72.0555% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 4.2973% | 1,297 |
| Noncurrent loans to loans | 6.1490% | 792 |
| Net loans and leases to total assets | 55.4046% | 4,811 |
| Net loans and leases to deposits | 94.3889% | 788 |
| Net loans and leases to core deposits | 104.7637% | 853 |
| Total domestic deposits to total assets | 58.6982% | 7,244 |
| Equity capital to assets | 13.8373% | 1,131 |
| Core capital (leverage) ratio | 13.0049% | 1,137 |
| Tier 1 risk-based capital ratio | 18.6654% | 1,999 |
| Total risk-based capital ratio | 19.9466% | 1,952 |
| Memoranda: | ||
| Average total assets | $1,374,172,600 | 482 |
| Average earning assets | $1,279,996,800 | 466 |
| Average equity | $181,033,800 | 388 |
| Average total loans | $821,827,800 | 507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 5,132 |
| Cost of funding earning assets | 0.5944% | 6,303 |
| Net interest margin | 3.9445% | 3,174 |
| Noninterest income to average assets | 0.7924% | 2,092 |
| Noninterest expense to average assets | 1.9559% | 6,772 |
| Loan and lease loss provision to assets | 1.5237% | 444 |
| Net operating income to assets | 0.7931% | 3,197 |
| Return on assets (ROA) | 0.8231% | 3,218 |
| Pretax return on assets | 1.0267% | 3,308 |
| Return on Equity (ROE) | 6.3277% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.3277% | 2,348 |
| Net charge-offs to loans | 2.3429% | 492 |
| Credit loss provision to net charge-offs | 107.9186% | 3,062 |
| Earnings coverage of net charge-offs (x) | 1.7798% | 4,324 |
| Efficiency ratio | 43.5586% | 7,158 |
| Assets per employee ($millions) | 5.2445% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4856% | 268 |
| Loan loss allowance to noncurrent loans | 61.4268% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 4.9761% | 1,159 |
| Noncurrent loans to loans | 7.3023% | 661 |
| Net loans and leases to total assets | 56.2043% | 4,812 |
| Net loans and leases to deposits | 98.5959% | 544 |
| Net loans and leases to core deposits | 110.4038% | 656 |
| Total domestic deposits to total assets | 57.0047% | 7,328 |
| Equity capital to assets | 13.7976% | 1,246 |
| Core capital (leverage) ratio | 12.6945% | 1,348 |
| Tier 1 risk-based capital ratio | 18.2489% | 2,172 |
| Total risk-based capital ratio | 19.5309% | 2,121 |
| Memoranda: | ||
| Average total assets | $1,373,793,250 | 486 |
| Average earning assets | $1,280,422,750 | 472 |
| Average equity | $178,702,500 | 401 |
| Average total loans | $827,902,000 | 506 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 5,183 |
| Cost of funding earning assets | 0.6052% | 6,430 |
| Net interest margin | 3.9420% | 3,115 |
| Noninterest income to average assets | 0.7411% | 2,315 |
| Noninterest expense to average assets | 1.9116% | 6,933 |
| Loan and lease loss provision to assets | 1.8202% | 362 |
| Net operating income to assets | 0.5957% | 4,084 |
| Return on assets (ROA) | 0.6050% | 4,179 |
| Pretax return on assets | 0.6939% | 4,404 |
| Return on Equity (ROE) | 4.7452% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.7452% | 3,161 |
| Net charge-offs to loans | 2.3718% | 527 |
| Credit loss provision to net charge-offs | 126.3720% | 2,421 |
| Earnings coverage of net charge-offs (x) | 1.7381% | 3,999 |
| Efficiency ratio | 43.0768% | 7,269 |
| Assets per employee ($millions) | 5.2950% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5850% | 260 |
| Loan loss allowance to noncurrent loans | 72.8209% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 4.4852% | 1,402 |
| Noncurrent loans to loans | 6.2963% | 909 |
| Net loans and leases to total assets | 56.4121% | 4,920 |
| Net loans and leases to deposits | 99.1222% | 536 |
| Net loans and leases to core deposits | 110.5333% | 707 |
| Total domestic deposits to total assets | 56.9117% | 7,399 |
| Equity capital to assets | 13.1172% | 1,461 |
| Core capital (leverage) ratio | 12.3594% | 1,420 |
| Tier 1 risk-based capital ratio | 17.5287% | 2,330 |
| Total risk-based capital ratio | 18.8119% | 2,289 |
| Memoranda: | ||
| Average total assets | $1,378,949,000 | 490 |
| Average earning assets | $1,285,184,330 | 478 |
| Average equity | $175,797,670 | 412 |
| Average total loans | $837,439,000 | 512 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 5,411 |
| Cost of funding earning assets | 0.6000% | 6,615 |
| Net interest margin | 3.8784% | 3,252 |
| Noninterest income to average assets | 0.8217% | 1,951 |
| Noninterest expense to average assets | 1.9312% | 6,935 |
| Loan and lease loss provision to assets | 1.6956% | 352 |
| Net operating income to assets | 0.6667% | 3,677 |
| Return on assets (ROA) | 0.6840% | 3,655 |
| Pretax return on assets | 0.8356% | 3,763 |
| Return on Equity (ROE) | 5.4440% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.4440% | 2,940 |
| Net charge-offs to loans | 2.1889% | 561 |
| Credit loss provision to net charge-offs | 125.8877% | 2,185 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 3,374 |
| Efficiency ratio | 43.2291% | 7,308 |
| Assets per employee ($millions) | 5.3123% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3140% | 348 |
| Loan loss allowance to noncurrent loans | 65.1213% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 4.5230% | 1,435 |
| Noncurrent loans to loans | 6.6245% | 880 |
| Net loans and leases to total assets | 57.4370% | 4,732 |
| Net loans and leases to deposits | 107.9947% | 217 |
| Net loans and leases to core deposits | 120.8098% | 400 |
| Total domestic deposits to total assets | 53.1850% | 7,477 |
| Equity capital to assets | 12.5916% | 1,574 |
| Core capital (leverage) ratio | 12.2755% | 1,418 |
| Tier 1 risk-based capital ratio | 17.0206% | 2,464 |
| Total risk-based capital ratio | 18.3010% | 2,426 |
| Memoranda: | ||
| Average total assets | $1,380,068,500 | 498 |
| Average earning assets | $1,287,953,000 | 485 |
| Average equity | $173,403,500 | 415 |
| Average total loans | $849,183,000 | 515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 4,902 |
| Cost of funding earning assets | 0.7272% | 6,798 |
| Net interest margin | 4.1981% | 2,195 |
| Noninterest income to average assets | 0.8131% | 2,215 |
| Noninterest expense to average assets | 2.0249% | 6,977 |
| Loan and lease loss provision to assets | 1.4977% | 989 |
| Net operating income to assets | 0.9589% | 2,167 |
| Return on assets (ROA) | 0.9851% | 2,199 |
| Pretax return on assets | 1.2084% | 2,199 |
| Return on Equity (ROE) | 8.1687% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.1687% | 931 |
| Net charge-offs to loans | 2.6977% | 671 |
| Credit loss provision to net charge-offs | 82.4187% | 5,473 |
| Earnings coverage of net charge-offs (x) | 1.4716% | 4,654 |
| Efficiency ratio | 42.7872% | 7,444 |
| Assets per employee ($millions) | 5.1640% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0066% | 399 |
| Loan loss allowance to noncurrent loans | 60.1831% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 4.7799% | 1,364 |
| Noncurrent loans to loans | 6.6573% | 879 |
| Net loans and leases to total assets | 60.5252% | 4,577 |
| Net loans and leases to deposits | 112.2915% | 197 |
| Net loans and leases to core deposits | 127.6594% | 363 |
| Total domestic deposits to total assets | 53.9001% | 7,551 |
| Equity capital to assets | 12.5378% | 1,611 |
| Core capital (leverage) ratio | 11.9810% | 1,562 |
| Tier 1 risk-based capital ratio | 16.6095% | 2,491 |
| Total risk-based capital ratio | 17.8879% | 2,454 |
| Memoranda: | ||
| Average total assets | $1,338,760,400 | 503 |
| Average earning assets | $1,239,210,000 | 490 |
| Average equity | $161,444,600 | 426 |
| Average total loans | $901,756,800 | 499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 4,751 |
| Cost of funding earning assets | 0.7498% | 6,911 |
| Net interest margin | 4.2630% | 1,978 |
| Noninterest income to average assets | 0.7687% | 2,394 |
| Noninterest expense to average assets | 2.0217% | 7,009 |
| Loan and lease loss provision to assets | 1.8345% | 681 |
| Net operating income to assets | 0.6594% | 3,602 |
| Return on assets (ROA) | 0.7554% | 3,350 |
| Pretax return on assets | 0.9734% | 3,277 |
| Return on Equity (ROE) | 6.3293% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.3293% | 2,188 |
| Net charge-offs to loans | 3.2711% | 435 |
| Credit loss provision to net charge-offs | 81.9085% | 5,077 |
| Earnings coverage of net charge-offs (x) | 1.1987% | 4,867 |
| Efficiency ratio | 42.6432% | 7,507 |
| Assets per employee ($millions) | 4.8722% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9188% | 395 |
| Loan loss allowance to noncurrent loans | 55.9746% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 5.1779% | 1,220 |
| Noncurrent loans to loans | 7.0010% | 807 |
| Net loans and leases to total assets | 64.3991% | 4,045 |
| Net loans and leases to deposits | 116.8731% | 145 |
| Net loans and leases to core deposits | 133.9587% | 325 |
| Total domestic deposits to total assets | 55.1018% | 7,646 |
| Equity capital to assets | 12.7613% | 1,705 |
| Core capital (leverage) ratio | 12.0239% | 1,657 |
| Tier 1 risk-based capital ratio | 15.6826% | 2,911 |
| Total risk-based capital ratio | 16.9603% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,330,041,500 | 502 |
| Average earning assets | $1,228,597,750 | 489 |
| Average equity | $158,749,750 | 425 |
| Average total loans | $910,671,750 | 491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 4,440 |
| Cost of funding earning assets | 0.7424% | 7,085 |
| Net interest margin | 4.3603% | 1,563 |
| Noninterest income to average assets | 0.8233% | 2,003 |
| Noninterest expense to average assets | 1.9589% | 7,170 |
| Loan and lease loss provision to assets | 2.3007% | 508 |
| Net operating income to assets | 0.5039% | 4,310 |
| Return on assets (ROA) | 0.5501% | 4,233 |
| Pretax return on assets | 0.6374% | 4,444 |
| Return on Equity (ROE) | 4.7174% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.7174% | 3,075 |
| Net charge-offs to loans | 3.5900% | 403 |
| Credit loss provision to net charge-offs | 92.9470% | 4,337 |
| Earnings coverage of net charge-offs (x) | 1.1653% | 4,630 |
| Efficiency ratio | 40.1410% | 7,642 |
| Assets per employee ($millions) | 4.9399% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2310% | 312 |
| Loan loss allowance to noncurrent loans | 58.6774% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 5.3014% | 1,182 |
| Noncurrent loans to loans | 7.2106% | 763 |
| Net loans and leases to total assets | 64.8994% | 4,064 |
| Net loans and leases to deposits | 110.1871% | 269 |
| Net loans and leases to core deposits | 123.2954% | 591 |
| Total domestic deposits to total assets | 58.8993% | 7,671 |
| Equity capital to assets | 12.4685% | 1,820 |
| Core capital (leverage) ratio | 11.6009% | 1,856 |
| Tier 1 risk-based capital ratio | 15.3108% | 3,003 |
| Total risk-based capital ratio | 16.5923% | 2,947 |
| Memoranda: | ||
| Average total assets | $1,330,023,000 | 501 |
| Average earning assets | $1,226,236,000 | 488 |
| Average equity | $155,087,000 | 439 |
| Average total loans | $917,060,000 | 489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 4,654 |
| Cost of funding earning assets | 0.7155% | 7,301 |
| Net interest margin | 4.3589% | 1,510 |
| Noninterest income to average assets | 0.8883% | 1,672 |
| Noninterest expense to average assets | 1.9276% | 7,290 |
| Loan and lease loss provision to assets | 2.7554% | 374 |
| Net operating income to assets | 0.2743% | 5,401 |
| Return on assets (ROA) | 0.3139% | 5,368 |
| Pretax return on assets | 0.2588% | 5,724 |
| Return on Equity (ROE) | 2.7872% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.7872% | 4,464 |
| Net charge-offs to loans | 4.5484% | 278 |
| Credit loss provision to net charge-offs | 87.1212% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.9405% | 4,206 |
| Efficiency ratio | 39.0213% | 7,756 |
| Assets per employee ($millions) | 4.9654% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1107% | 340 |
| Loan loss allowance to noncurrent loans | 54.6091% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 5.6142% | 1,091 |
| Noncurrent loans to loans | 7.5276% | 759 |
| Net loans and leases to total assets | 65.4524% | 4,004 |
| Net loans and leases to deposits | 114.1019% | 211 |
| Net loans and leases to core deposits | 134.5175% | 399 |
| Total domestic deposits to total assets | 57.3632% | 7,783 |
| Equity capital to assets | 12.0096% | 2,039 |
| Core capital (leverage) ratio | 11.4321% | 1,953 |
| Tier 1 risk-based capital ratio | 14.6174% | 3,308 |
| Total risk-based capital ratio | 15.8973% | 3,258 |
| Memoranda: | ||
| Average total assets | $1,335,558,000 | 510 |
| Average earning assets | $1,229,859,500 | 500 |
| Average equity | $150,404,000 | 455 |
| Average total loans | $928,685,000 | 505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 2,838 |
| Cost of funding earning assets | 0.7404% | 7,633 |
| Net interest margin | 5.0161% | 431 |
| Noninterest income to average assets | 0.9543% | 1,731 |
| Noninterest expense to average assets | 2.1187% | 7,145 |
| Loan and lease loss provision to assets | 2.5110% | 788 |
| Net operating income to assets | 0.7460% | 2,740 |
| Return on assets (ROA) | 0.7900% | 2,660 |
| Pretax return on assets | 1.0101% | 2,560 |
| Return on Equity (ROE) | 7.3938% | 2,623 |
| Retained earnings to average equity (ytd only) | 6.1454% | 1,300 |
| Net charge-offs to loans | 1.2446% | 1,980 |
| Credit loss provision to net charge-offs | 266.4003% | 1,315 |
| Earnings coverage of net charge-offs (x) | 3.6757% | 3,249 |
| Efficiency ratio | 37.4840% | 7,890 |
| Assets per employee ($millions) | 4.8557% | 2,400 |
| Cash dividends to net income (ytd only)* | 16.8852% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1367% | 330 |
| Loan loss allowance to noncurrent loans | 53.0594% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 6.0307% | 938 |
| Noncurrent loans to loans | 7.7963% | 659 |
| Net loans and leases to total assets | 67.8925% | 3,727 |
| Net loans and leases to deposits | 124.3490% | 126 |
| Net loans and leases to core deposits | 138.7229% | 851 |
| Total domestic deposits to total assets | 54.5983% | 7,871 |
| Equity capital to assets | 10.5077% | 3,169 |
| Core capital (leverage) ratio | 10.0908% | 3,006 |
| Tier 1 risk-based capital ratio | 12.3276% | 4,652 |
| Total risk-based capital ratio | 13.6082% | 4,595 |
| Memoranda: | ||
| Average total assets | $1,274,388,200 | 531 |
| Average earning assets | $1,176,059,400 | 518 |
| Average equity | $136,167,400 | 492 |
| Average total loans | $965,103,600 | 493 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8760% | 2,555 |
| Cost of funding earning assets | 0.7436% | 7,768 |
| Net interest margin | 5.1324% | 339 |
| Noninterest income to average assets | 0.9954% | 1,623 |
| Noninterest expense to average assets | 2.1304% | 7,131 |
| Loan and lease loss provision to assets | 2.2215% | 775 |
| Net operating income to assets | 0.9910% | 2,095 |
| Return on assets (ROA) | 1.0524% | 1,954 |
| Pretax return on assets | 1.4661% | 1,502 |
| Return on Equity (ROE) | 9.8061% | 1,996 |
| Retained earnings to average equity (ytd only) | 8.1304% | 1,101 |
| Net charge-offs to loans | 0.5706% | 2,969 |
| Credit loss provision to net charge-offs | 505.4152% | 775 |
| Earnings coverage of net charge-offs (x) | 8.1959% | 2,290 |
| Efficiency ratio | 36.6450% | 7,967 |
| Assets per employee ($millions) | 4.6687% | 2,605 |
| Cash dividends to net income (ytd only)* | 17.0889% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7721% | 342 |
| Loan loss allowance to noncurrent loans | 47.3307% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 6.4406% | 784 |
| Noncurrent loans to loans | 7.9697% | 612 |
| Net loans and leases to total assets | 70.6890% | 3,339 |
| Net loans and leases to deposits | 142.0684% | 74 |
| Net loans and leases to core deposits | 160.6628% | 371 |
| Total domestic deposits to total assets | 49.7570% | 7,979 |
| Equity capital to assets | 10.9705% | 3,041 |
| Core capital (leverage) ratio | 10.5977% | 2,715 |
| Tier 1 risk-based capital ratio | 12.4175% | 4,614 |
| Total risk-based capital ratio | 13.6946% | 4,544 |
| Memoranda: | ||
| Average total assets | $1,260,372,500 | 547 |
| Average earning assets | $1,163,367,000 | 537 |
| Average equity | $135,259,250 | 507 |
| Average total loans | $970,816,000 | 504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0235% | 2,083 |
| Cost of funding earning assets | 0.7722% | 7,852 |
| Net interest margin | 5.2513% | 266 |
| Noninterest income to average assets | 1.0049% | 1,583 |
| Noninterest expense to average assets | 2.1714% | 7,117 |
| Loan and lease loss provision to assets | 2.0009% | 811 |
| Net operating income to assets | 1.1764% | 1,546 |
| Return on assets (ROA) | 1.1764% | 1,628 |
| Pretax return on assets | 1.6745% | 1,070 |
| Return on Equity (ROE) | 11.0466% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.4912% | 1,070 |
| Net charge-offs to loans | 0.5574% | 2,658 |
| Credit loss provision to net charge-offs | 458.7156% | 1,009 |
| Earnings coverage of net charge-offs (x) | 8.4261% | 2,259 |
| Efficiency ratio | 36.6260% | 8,061 |
| Assets per employee ($millions) | 4.3133% | 3,092 |
| Cash dividends to net income (ytd only)* | 23.1324% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9796% | 576 |
| Loan loss allowance to noncurrent loans | 59.2189% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 4.3851% | 1,299 |
| Noncurrent loans to loans | 5.0315% | 1,219 |
| Net loans and leases to total assets | 76.7314% | 2,006 |
| Net loans and leases to deposits | 160.8375% | 48 |
| Net loans and leases to core deposits | 172.6591% | 292 |
| Total domestic deposits to total assets | 47.7074% | 8,072 |
| Equity capital to assets | 11.1740% | 2,771 |
| Core capital (leverage) ratio | 10.3021% | 2,994 |
| Tier 1 risk-based capital ratio | 12.1509% | 4,801 |
| Total risk-based capital ratio | 13.4198% | 4,694 |
| Memoranda: | ||
| Average total assets | $1,249,423,000 | 564 |
| Average earning assets | $1,152,016,670 | 557 |
| Average equity | $133,054,670 | 522 |
| Average total loans | $977,754,670 | 518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1060% | 1,919 |
| Cost of funding earning assets | 0.8152% | 7,893 |
| Net interest margin | 5.2908% | 236 |
| Noninterest income to average assets | 0.9353% | 1,717 |
| Noninterest expense to average assets | 2.0918% | 7,135 |
| Loan and lease loss provision to assets | 1.5825% | 796 |
| Net operating income to assets | 1.4480% | 1,046 |
| Return on assets (ROA) | 1.4480% | 1,120 |
| Pretax return on assets | 2.1317% | 508 |
| Return on Equity (ROE) | 13.9287% | 1,181 |
| Retained earnings to average equity (ytd only) | 8.7530% | 1,550 |
| Net charge-offs to loans | 0.5667% | 2,050 |
| Credit loss provision to net charge-offs | 358.6801% | 1,416 |
| Earnings coverage of net charge-offs (x) | 8.4182% | 2,192 |
| Efficiency ratio | 35.5212% | 8,113 |
| Assets per employee ($millions) | 4.5699% | 2,611 |
| Cash dividends to net income (ytd only)* | 37.1585% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 956 |
| Loan loss allowance to noncurrent loans | 85.3098% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3211% | 2,474 |
| Noncurrent loans to loans | 2.6869% | 2,446 |
| Net loans and leases to total assets | 75.5427% | 2,380 |
| Net loans and leases to deposits | 160.8069% | 51 |
| Net loans and leases to core deposits | 172.1539% | 312 |
| Total domestic deposits to total assets | 46.9773% | 8,117 |
| Equity capital to assets | 10.4218% | 3,547 |
| Core capital (leverage) ratio | 9.8812% | 3,545 |
| Tier 1 risk-based capital ratio | 11.5797% | 5,338 |
| Total risk-based capital ratio | 12.8406% | 5,223 |
| Memoranda: | ||
| Average total assets | $1,263,801,500 | 559 |
| Average earning assets | $1,163,454,000 | 557 |
| Average equity | $131,383,500 | 525 |
| Average total loans | $983,932,500 | 517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8196% | 1,613 |
| Cost of funding earning assets | 1.7040% | 7,251 |
| Net interest margin | 5.1156% | 388 |
| Noninterest income to average assets | 1.0042% | 1,560 |
| Noninterest expense to average assets | 2.3430% | 6,582 |
| Loan and lease loss provision to assets | 0.7593% | 1,967 |
| Net operating income to assets | 1.6857% | 698 |
| Return on assets (ROA) | 1.6885% | 669 |
| Pretax return on assets | 2.6272% | 153 |
| Return on Equity (ROE) | 16.0732% | 760 |
| Retained earnings to average equity (ytd only) | 11.8962% | 235 |
| Net charge-offs to loans | 0.1195% | 5,054 |
| Credit loss provision to net charge-offs | 787.2435% | 550 |
| Earnings coverage of net charge-offs (x) | 35.0660% | 1,033 |
| Efficiency ratio | 40.3360% | 8,124 |
| Assets per employee ($millions) | 4.4261% | 2,735 |
| Cash dividends to net income (ytd only)* | 25.9873% | 4,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 1,354 |
| Loan loss allowance to noncurrent loans | 77.5450% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.9774% | 2,489 |
| Noncurrent loans to loans | 2.4935% | 2,188 |
| Net loans and leases to total assets | 76.8886% | 2,404 |
| Net loans and leases to deposits | 159.5940% | 63 |
| Net loans and leases to core deposits | 169.9090% | 399 |
| Total domestic deposits to total assets | 48.1776% | 8,140 |
| Equity capital to assets | 10.3696% | 3,645 |
| Core capital (leverage) ratio | 9.7896% | 3,660 |
| Tier 1 risk-based capital ratio | 11.3127% | 5,426 |
| Total risk-based capital ratio | 12.5694% | 5,318 |
| Memoranda: | ||
| Average total assets | $1,162,263,400 | 572 |
| Average earning assets | $1,072,592,800 | 568 |
| Average equity | $122,097,800 | 555 |
| Average total loans | $937,847,800 | 523 |