Home > Great Southern Bank > Performance and Condition Ratios
Great Southern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 1,038 |
| Cost of funding earning assets | 1.8310% | 1,200 |
| Net interest margin | 3.7625% | 1,620 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.4037% | 2,579 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 1.3011% | 1,433 |
| Return on assets (ROA) | 1.3011% | 1,404 |
| Pretax return on assets | 1.6398% | 1,166 |
| Return on Equity (ROE) | 12.1300% | 1,920 |
| Retained earnings to average equity (ytd only) | 1.5904% | 3,681 |
| Net charge-offs to loans | 0.0229% | 1,861 |
| Credit loss provision to net charge-offs | 212.2642% | 1,183 |
| Earnings coverage of net charge-offs (x) | 86.0425% | 978 |
| Efficiency ratio | 60.1187% | 3,064 |
| Assets per employee ($millions) | 5.6244% | 3,140 |
| Cash dividends to net income (ytd only)* | 86.8914% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,422 |
| Loan loss allowance to noncurrent loans | 550.4767% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 2,214 |
| Noncurrent loans to loans | 0.2521% | 2,290 |
| Net loans and leases to total assets | 79.0200% | 762 |
| Net loans and leases to deposits | 96.2665% | 764 |
| Net loans and leases to core deposits | 117.7849% | 693 |
| Total domestic deposits to total assets | 82.0800% | 3,113 |
| Equity capital to assets | 10.8173% | 1,578 |
| Core capital (leverage) ratio | 11.5728% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3208% | 1,749 |
| Memoranda: | ||
| Average total assets | $5,749,495,000 | 250 |
| Average earning assets | $5,322,925,400 | 241 |
| Average equity | $616,590,000 | 229 |
| Average total loans | $4,620,516,800 | 216 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 961 |
| Cost of funding earning assets | 1.7000% | 1,187 |
| Net interest margin | 3.8472% | 1,498 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.3860% | 2,556 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.3931% | 1,337 |
| Return on assets (ROA) | 1.3931% | 1,323 |
| Pretax return on assets | 1.7600% | 1,067 |
| Return on Equity (ROE) | 13.0200% | 1,893 |
| Retained earnings to average equity (ytd only) | 2.1519% | 3,706 |
| Net charge-offs to loans | 0.0066% | 2,201 |
| Credit loss provision to net charge-offs | 660.7930% | 532 |
| Earnings coverage of net charge-offs (x) | 323.9515% | 423 |
| Efficiency ratio | 58.1188% | 3,192 |
| Assets per employee ($millions) | 5.0282% | 3,589 |
| Cash dividends to net income (ytd only)* | 83.4711% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,460 |
| Loan loss allowance to noncurrent loans | 597.8488% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,334 |
| Noncurrent loans to loans | 0.2337% | 2,415 |
| Net loans and leases to total assets | 79.4500% | 714 |
| Net loans and leases to deposits | 93.1873% | 954 |
| Net loans and leases to core deposits | 114.1331% | 724 |
| Total domestic deposits to total assets | 85.2600% | 2,427 |
| Equity capital to assets | 10.3419% | 1,621 |
| Core capital (leverage) ratio | 11.6690% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9841% | 1,904 |
| Memoranda: | ||
| Average total assets | $5,732,954,000 | 253 |
| Average earning assets | $5,309,283,000 | 245 |
| Average equity | $613,463,500 | 232 |
| Average total loans | $4,610,611,250 | 219 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 864 |
| Cost of funding earning assets | 1.5335% | 1,183 |
| Net interest margin | 3.9434% | 1,342 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3639% | 2,610 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.4762% | 1,154 |
| Return on assets (ROA) | 1.4762% | 1,143 |
| Pretax return on assets | 1.8585% | 923 |
| Return on Equity (ROE) | 13.6400% | 1,762 |
| Retained earnings to average equity (ytd only) | 3.9593% | 3,217 |
| Net charge-offs to loans | 0.0056% | 2,051 |
| Credit loss provision to net charge-offs | 1,171.8750% | 369 |
| Earnings coverage of net charge-offs (x) | 408.3516% | 354 |
| Efficiency ratio | 56.2853% | 3,383 |
| Assets per employee ($millions) | 5.4824% | 3,167 |
| Cash dividends to net income (ytd only)* | 70.9774% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,484 |
| Loan loss allowance to noncurrent loans | 581.6323% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 2,215 |
| Noncurrent loans to loans | 0.2428% | 2,287 |
| Net loans and leases to total assets | 79.0900% | 728 |
| Net loans and leases to deposits | 93.0229% | 951 |
| Net loans and leases to core deposits | 124.5600% | 418 |
| Total domestic deposits to total assets | 85.0300% | 2,539 |
| Equity capital to assets | 10.7978% | 1,465 |
| Core capital (leverage) ratio | 11.6803% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9607% | 1,914 |
| Memoranda: | ||
| Average total assets | $5,726,532,333 | 249 |
| Average earning assets | $5,310,831,667 | 242 |
| Average equity | $619,654,667 | 227 |
| Average total loans | $4,602,482,667 | 211 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 730 |
| Cost of funding earning assets | 1.2620% | 1,320 |
| Net interest margin | 4.1306% | 1,052 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.3534% | 2,658 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5487% | 1,082 |
| Return on assets (ROA) | 1.5487% | 1,075 |
| Pretax return on assets | 1.9643% | 829 |
| Return on Equity (ROE) | 14.3000% | 1,714 |
| Retained earnings to average equity (ytd only) | 7.8502% | 2,264 |
| Net charge-offs to loans | -0.0006% | 3,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7414% | 3,630 |
| Assets per employee ($millions) | 6.0566% | 2,713 |
| Cash dividends to net income (ytd only)* | 45.0918% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,622 |
| Loan loss allowance to noncurrent loans | 2,179.3092% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,249 |
| Noncurrent loans to loans | 0.0643% | 3,273 |
| Net loans and leases to total assets | 79.2700% | 611 |
| Net loans and leases to deposits | 94.6278% | 745 |
| Net loans and leases to core deposits | 112.1169% | 639 |
| Total domestic deposits to total assets | 83.7700% | 3,134 |
| Equity capital to assets | 10.9585% | 1,361 |
| Core capital (leverage) ratio | 11.7065% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4739% | 2,186 |
| Memoranda: | ||
| Average total assets | $5,727,967,500 | 257 |
| Average earning assets | $5,316,031,000 | 247 |
| Average equity | $620,468,000 | 232 |
| Average total loans | $4,607,770,500 | 217 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 886 |
| Cost of funding earning assets | 0.4252% | 1,902 |
| Net interest margin | 3.9740% | 822 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.3593% | 2,549 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.4827% | 923 |
| Return on assets (ROA) | 1.4808% | 893 |
| Pretax return on assets | 1.8387% | 665 |
| Return on Equity (ROE) | 13.0800% | 1,784 |
| Retained earnings to average equity (ytd only) | 3.5316% | 3,557 |
| Net charge-offs to loans | 0.0063% | 2,186 |
| Credit loss provision to net charge-offs | 1,094.8905% | 401 |
| Earnings coverage of net charge-offs (x) | 395.4927% | 390 |
| Efficiency ratio | 54.3964% | 3,762 |
| Assets per employee ($millions) | 5.5078% | 3,214 |
| Cash dividends to net income (ytd only)* | 73.0051% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 1,540 |
| Loan loss allowance to noncurrent loans | 1,730.1717% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,118 |
| Noncurrent loans to loans | 0.0802% | 3,187 |
| Net loans and leases to total assets | 79.3700% | 659 |
| Net loans and leases to deposits | 95.5759% | 673 |
| Net loans and leases to core deposits | 106.3662% | 735 |
| Total domestic deposits to total assets | 83.0500% | 3,410 |
| Equity capital to assets | 10.7040% | 1,374 |
| Core capital (leverage) ratio | 11.5204% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1000% | 2,330 |
| Memoranda: | ||
| Average total assets | $5,550,186,000 | 254 |
| Average earning assets | $5,188,791,000 | 249 |
| Average equity | $628,215,800 | 228 |
| Average total loans | $4,363,087,600 | 215 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 1,015 |
| Cost of funding earning assets | 0.2629% | 2,570 |
| Net interest margin | 3.8638% | 863 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3501% | 2,476 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.3992% | 1,094 |
| Return on assets (ROA) | 1.3999% | 1,063 |
| Pretax return on assets | 1.7609% | 798 |
| Return on Equity (ROE) | 12.2000% | 1,973 |
| Retained earnings to average equity (ytd only) | 1.6686% | 4,093 |
| Net charge-offs to loans | -0.0002% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1213% | 3,705 |
| Assets per employee ($millions) | 5.5032% | 3,214 |
| Cash dividends to net income (ytd only)* | 86.3200% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 1,691 |
| Loan loss allowance to noncurrent loans | 1,905.8913% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,278 |
| Noncurrent loans to loans | 0.0722% | 3,360 |
| Net loans and leases to total assets | 79.2600% | 596 |
| Net loans and leases to deposits | 94.2359% | 627 |
| Net loans and leases to core deposits | 106.7202% | 568 |
| Total domestic deposits to total assets | 84.1000% | 3,485 |
| Equity capital to assets | 10.3742% | 1,430 |
| Core capital (leverage) ratio | 11.5467% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9675% | 2,490 |
| Memoranda: | ||
| Average total assets | $5,516,732,500 | 257 |
| Average earning assets | $5,169,017,750 | 249 |
| Average equity | $633,165,750 | 229 |
| Average total loans | $4,310,077,750 | 215 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 1,115 |
| Cost of funding earning assets | 0.1864% | 3,095 |
| Net interest margin | 3.7123% | 893 |
| Noninterest income to average assets | 0.6548% | 1,523 |
| Noninterest expense to average assets | 2.3132% | 2,511 |
| Loan and lease loss provision to assets | 0.0743% | 1,296 |
| Net operating income to assets | 1.3967% | 914 |
| Return on assets (ROA) | 1.3969% | 890 |
| Pretax return on assets | 1.7571% | 664 |
| Return on Equity (ROE) | 11.7785% | 1,732 |
| Retained earnings to average equity (ytd only) | -0.5705% | 4,250 |
| Net charge-offs to loans | -0.0144% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5206% | 3,819 |
| Assets per employee ($millions) | 5.3725% | 3,371 |
| Cash dividends to net income (ytd only)* | 104.8438% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,839 |
| Loan loss allowance to noncurrent loans | 1,446.8720% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,170 |
| Noncurrent loans to loans | 0.0954% | 3,291 |
| Net loans and leases to total assets | 78.5631% | 516 |
| Net loans and leases to deposits | 95.8283% | 440 |
| Net loans and leases to core deposits | 104.1131% | 507 |
| Total domestic deposits to total assets | 81.9832% | 4,003 |
| Equity capital to assets | 11.2406% | 1,117 |
| Core capital (leverage) ratio | 11.6815% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3968% | 2,344 |
| Memoranda: | ||
| Average total assets | $5,462,548,667 | 255 |
| Average earning assets | $5,134,759,000 | 250 |
| Average equity | $647,826,667 | 221 |
| Average total loans | $4,225,448,000 | 216 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 1,307 |
| Cost of funding earning assets | 0.1711% | 3,203 |
| Net interest margin | 3.5133% | 1,068 |
| Noninterest income to average assets | 0.6511% | 1,489 |
| Noninterest expense to average assets | 2.2648% | 2,633 |
| Loan and lease loss provision to assets | -0.0143% | 4,432 |
| Net operating income to assets | 1.3608% | 880 |
| Return on assets (ROA) | 1.3612% | 867 |
| Pretax return on assets | 1.7122% | 667 |
| Return on Equity (ROE) | 11.1784% | 1,561 |
| Retained earnings to average equity (ytd only) | -0.9516% | 4,138 |
| Net charge-offs to loans | -0.0042% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8667% | 3,803 |
| Assets per employee ($millions) | 5.3242% | 3,467 |
| Cash dividends to net income (ytd only)* | 108.5128% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,694 |
| Loan loss allowance to noncurrent loans | 1,223.5259% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,946 |
| Noncurrent loans to loans | 0.1190% | 3,229 |
| Net loans and leases to total assets | 76.4894% | 472 |
| Net loans and leases to deposits | 90.6589% | 475 |
| Net loans and leases to core deposits | 93.8676% | 739 |
| Total domestic deposits to total assets | 84.3705% | 3,681 |
| Equity capital to assets | 12.0262% | 942 |
| Core capital (leverage) ratio | 11.9559% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5715% | 1,962 |
| Memoranda: | ||
| Average total assets | $5,416,220,000 | 261 |
| Average earning assets | $5,104,446,500 | 252 |
| Average equity | $659,521,000 | 224 |
| Average total loans | $4,125,472,500 | 219 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 1,760 |
| Cost of funding earning assets | 0.2522% | 2,899 |
| Net interest margin | 3.5907% | 1,492 |
| Noninterest income to average assets | 0.6665% | 1,882 |
| Noninterest expense to average assets | 2.2728% | 2,871 |
| Loan and lease loss provision to assets | -0.1043% | 4,538 |
| Net operating income to assets | 1.4932% | 1,034 |
| Return on assets (ROA) | 1.4932% | 1,084 |
| Pretax return on assets | 1.8839% | 751 |
| Return on Equity (ROE) | 12.0569% | 1,798 |
| Retained earnings to average equity (ytd only) | 1.2438% | 4,194 |
| Net charge-offs to loans | -0.0027% | 3,419 |
| Credit loss provision to net charge-offs | 5,775.8621% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6988% | 3,735 |
| Assets per employee ($millions) | 5.3638% | 3,399 |
| Cash dividends to net income (ytd only)* | 89.6839% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,587 |
| Loan loss allowance to noncurrent loans | 1,120.3024% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,990 |
| Noncurrent loans to loans | 0.1330% | 3,270 |
| Net loans and leases to total assets | 73.6246% | 693 |
| Net loans and leases to deposits | 87.1854% | 700 |
| Net loans and leases to core deposits | 90.2286% | 962 |
| Total domestic deposits to total assets | 84.4460% | 3,436 |
| Equity capital to assets | 12.3252% | 1,119 |
| Core capital (leverage) ratio | 11.8620% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3671% | 1,720 |
| Memoranda: | ||
| Average total assets | $5,525,689,000 | 252 |
| Average earning assets | $5,210,535,000 | 245 |
| Average equity | $684,355,800 | 220 |
| Average total loans | $4,246,222,200 | 213 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 1,831 |
| Cost of funding earning assets | 0.2712% | 2,882 |
| Net interest margin | 3.6050% | 1,589 |
| Noninterest income to average assets | 0.6727% | 1,918 |
| Noninterest expense to average assets | 2.1720% | 3,160 |
| Loan and lease loss provision to assets | -0.0971% | 4,595 |
| Net operating income to assets | 1.5839% | 1,068 |
| Return on assets (ROA) | 1.5839% | 1,118 |
| Pretax return on assets | 1.9972% | 801 |
| Return on Equity (ROE) | 12.7738% | 1,772 |
| Retained earnings to average equity (ytd only) | 2.2992% | 4,111 |
| Net charge-offs to loans | 0.0003% | 2,453 |
| Credit loss provision to net charge-offs | -41,111.1111% | 4,264 |
| Earnings coverage of net charge-offs (x) | 8,777.3333% | 11 |
| Efficiency ratio | 52.9229% | 3,928 |
| Assets per employee ($millions) | 5.3321% | 3,374 |
| Cash dividends to net income (ytd only)* | 82.0008% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,459 |
| Loan loss allowance to noncurrent loans | 911.4597% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,123 |
| Noncurrent loans to loans | 0.1703% | 3,265 |
| Net loans and leases to total assets | 73.9994% | 695 |
| Net loans and leases to deposits | 88.3538% | 695 |
| Net loans and leases to core deposits | 91.6065% | 939 |
| Total domestic deposits to total assets | 83.7535% | 3,523 |
| Equity capital to assets | 12.4692% | 1,187 |
| Core capital (leverage) ratio | 11.7004% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9315% | 1,640 |
| Memoranda: | ||
| Average total assets | $5,543,357,500 | 247 |
| Average earning assets | $5,227,056,500 | 243 |
| Average equity | $687,359,000 | 218 |
| Average total loans | $4,288,530,500 | 215 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 1,880 |
| Cost of funding earning assets | 0.2931% | 2,842 |
| Net interest margin | 3.5832% | 1,628 |
| Noninterest income to average assets | 0.6705% | 1,929 |
| Noninterest expense to average assets | 2.1354% | 3,282 |
| Loan and lease loss provision to assets | -0.0603% | 4,547 |
| Net operating income to assets | 1.5650% | 1,132 |
| Return on assets (ROA) | 1.5650% | 1,192 |
| Pretax return on assets | 1.9729% | 882 |
| Return on Equity (ROE) | 12.6447% | 1,840 |
| Retained earnings to average equity (ytd only) | 5.6858% | 2,925 |
| Net charge-offs to loans | 0.0017% | 2,159 |
| Credit loss provision to net charge-offs | -1,944.4444% | 3,817 |
| Earnings coverage of net charge-offs (x) | 1,480.3889% | 78 |
| Efficiency ratio | 52.2665% | 4,016 |
| Assets per employee ($millions) | 5.3921% | 3,249 |
| Cash dividends to net income (ytd only)* | 55.0345% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,430 |
| Loan loss allowance to noncurrent loans | 851.1438% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,215 |
| Noncurrent loans to loans | 0.1820% | 3,313 |
| Net loans and leases to total assets | 75.8521% | 604 |
| Net loans and leases to deposits | 90.2241% | 640 |
| Net loans and leases to core deposits | 93.8727% | 908 |
| Total domestic deposits to total assets | 84.0709% | 3,416 |
| Equity capital to assets | 12.4162% | 1,172 |
| Core capital (leverage) ratio | 11.7202% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6623% | 1,734 |
| Memoranda: | ||
| Average total assets | $5,572,888,000 | 248 |
| Average earning assets | $5,252,975,667 | 242 |
| Average equity | $689,757,000 | 214 |
| Average total loans | $4,351,332,667 | 212 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 1,866 |
| Cost of funding earning assets | 0.3226% | 2,776 |
| Net interest margin | 3.5628% | 1,669 |
| Noninterest income to average assets | 0.6730% | 1,949 |
| Noninterest expense to average assets | 2.1354% | 3,313 |
| Loan and lease loss provision to assets | -0.0269% | 4,610 |
| Net operating income to assets | 1.5217% | 1,281 |
| Return on assets (ROA) | 1.5217% | 1,345 |
| Pretax return on assets | 1.9207% | 1,081 |
| Return on Equity (ROE) | 12.3143% | 1,899 |
| Retained earnings to average equity (ytd only) | 5.3393% | 3,113 |
| Net charge-offs to loans | -0.0058% | 3,453 |
| Credit loss provision to net charge-offs | -468.7500% | 3,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4832% | 3,957 |
| Assets per employee ($millions) | 5.2996% | 3,336 |
| Cash dividends to net income (ytd only)* | 56.6412% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,445 |
| Loan loss allowance to noncurrent loans | 709.2185% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 3,156 |
| Noncurrent loans to loans | 0.2177% | 3,324 |
| Net loans and leases to total assets | 76.9801% | 539 |
| Net loans and leases to deposits | 90.9098% | 655 |
| Net loans and leases to core deposits | 95.3506% | 914 |
| Total domestic deposits to total assets | 84.6775% | 3,227 |
| Equity capital to assets | 12.0913% | 1,245 |
| Core capital (leverage) ratio | 11.7759% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3925% | 1,775 |
| Memoranda: | ||
| Average total assets | $5,568,945,000 | 248 |
| Average earning assets | $5,246,038,500 | 240 |
| Average equity | $688,174,500 | 214 |
| Average total loans | $4,377,129,500 | 213 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,620 |
| Cost of funding earning assets | 0.6627% | 1,913 |
| Net interest margin | 3.7269% | 1,719 |
| Noninterest income to average assets | 0.6112% | 2,179 |
| Noninterest expense to average assets | 2.2561% | 3,520 |
| Loan and lease loss provision to assets | 0.2979% | 1,264 |
| Net operating income to assets | 1.2595% | 1,359 |
| Return on assets (ROA) | 1.2607% | 1,464 |
| Pretax return on assets | 1.5531% | 1,190 |
| Return on Equity (ROE) | 9.8550% | 2,058 |
| Retained earnings to average equity (ytd only) | 3.9858% | 2,836 |
| Net charge-offs to loans | 0.0097% | 2,974 |
| Credit loss provision to net charge-offs | 3,760.9005% | 278 |
| Earnings coverage of net charge-offs (x) | 233.4953% | 423 |
| Efficiency ratio | 54.4237% | 4,165 |
| Assets per employee ($millions) | 5.2032% | 3,150 |
| Cash dividends to net income (ytd only)* | 59.5557% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,541 |
| Loan loss allowance to noncurrent loans | 819.1477% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 3,507 |
| Noncurrent loans to loans | 0.1557% | 3,661 |
| Net loans and leases to total assets | 78.0080% | 604 |
| Net loans and leases to deposits | 93.0743% | 714 |
| Net loans and leases to core deposits | 99.1000% | 949 |
| Total domestic deposits to total assets | 83.8127% | 3,164 |
| Equity capital to assets | 12.6271% | 1,262 |
| Core capital (leverage) ratio | 11.7568% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8834% | 1,892 |
| Memoranda: | ||
| Average total assets | $5,327,550,600 | 239 |
| Average earning assets | $4,995,288,000 | 234 |
| Average equity | $681,524,000 | 209 |
| Average total loans | $4,358,115,600 | 208 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 1,601 |
| Cost of funding earning assets | 0.7384% | 1,812 |
| Net interest margin | 3.7485% | 1,770 |
| Noninterest income to average assets | 0.5986% | 2,185 |
| Noninterest expense to average assets | 2.2846% | 3,461 |
| Loan and lease loss provision to assets | 0.3631% | 1,026 |
| Net operating income to assets | 1.1887% | 1,675 |
| Return on assets (ROA) | 1.1903% | 1,791 |
| Pretax return on assets | 1.4650% | 1,529 |
| Return on Equity (ROE) | 9.2730% | 2,295 |
| Retained earnings to average equity (ytd only) | 3.7611% | 3,164 |
| Net charge-offs to loans | 0.0131% | 2,638 |
| Credit loss provision to net charge-offs | 3,365.5738% | 319 |
| Earnings coverage of net charge-offs (x) | 169.2553% | 552 |
| Efficiency ratio | 55.0440% | 4,032 |
| Assets per employee ($millions) | 5.0910% | 3,124 |
| Cash dividends to net income (ytd only)* | 59.4404% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,622 |
| Loan loss allowance to noncurrent loans | 700.7494% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 3,464 |
| Noncurrent loans to loans | 0.1723% | 3,691 |
| Net loans and leases to total assets | 81.4664% | 487 |
| Net loans and leases to deposits | 97.1629% | 678 |
| Net loans and leases to core deposits | 105.6405% | 860 |
| Total domestic deposits to total assets | 83.8451% | 2,868 |
| Equity capital to assets | 12.7186% | 1,320 |
| Core capital (leverage) ratio | 11.5281% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4494% | 2,017 |
| Memoranda: | ||
| Average total assets | $5,276,701,000 | 236 |
| Average earning assets | $4,943,912,750 | 232 |
| Average equity | $677,305,250 | 208 |
| Average total loans | $4,355,062,500 | 206 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 1,642 |
| Cost of funding earning assets | 0.8308% | 1,676 |
| Net interest margin | 3.7739% | 1,903 |
| Noninterest income to average assets | 0.5567% | 2,321 |
| Noninterest expense to average assets | 2.2580% | 3,632 |
| Loan and lease loss provision to assets | 0.3782% | 1,101 |
| Net operating income to assets | 1.1959% | 1,650 |
| Return on assets (ROA) | 1.1984% | 1,771 |
| Pretax return on assets | 1.4528% | 1,582 |
| Return on Equity (ROE) | 9.3065% | 2,246 |
| Retained earnings to average equity (ytd only) | 3.3553% | 3,249 |
| Net charge-offs to loans | 0.0169% | 2,390 |
| Credit loss provision to net charge-offs | 2,711.8132% | 383 |
| Earnings coverage of net charge-offs (x) | 131.0742% | 584 |
| Efficiency ratio | 54.7200% | 4,095 |
| Assets per employee ($millions) | 5.1907% | 2,945 |
| Cash dividends to net income (ytd only)* | 63.9468% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,977 |
| Loan loss allowance to noncurrent loans | 481.0297% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 3,272 |
| Noncurrent loans to loans | 0.2316% | 3,547 |
| Net loans and leases to total assets | 79.3565% | 678 |
| Net loans and leases to deposits | 95.2475% | 855 |
| Net loans and leases to core deposits | 107.7621% | 830 |
| Total domestic deposits to total assets | 83.3161% | 2,992 |
| Equity capital to assets | 12.3594% | 1,448 |
| Core capital (leverage) ratio | 11.5003% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1615% | 2,114 |
| Memoranda: | ||
| Average total assets | $5,219,827,000 | 238 |
| Average earning assets | $4,881,602,000 | 231 |
| Average equity | $672,132,333 | 208 |
| Average total loans | $4,309,425,000 | 206 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 1,127 |
| Cost of funding earning assets | 0.9552% | 1,630 |
| Net interest margin | 3.9700% | 1,475 |
| Noninterest income to average assets | 0.5467% | 2,299 |
| Noninterest expense to average assets | 2.3927% | 3,550 |
| Loan and lease loss provision to assets | 0.3069% | 1,011 |
| Net operating income to assets | 1.3005% | 1,245 |
| Return on assets (ROA) | 1.3005% | 1,338 |
| Pretax return on assets | 1.5462% | 1,194 |
| Return on Equity (ROE) | 9.8805% | 1,788 |
| Retained earnings to average equity (ytd only) | 2.6518% | 3,207 |
| Net charge-offs to loans | 0.0224% | 1,917 |
| Credit loss provision to net charge-offs | 1,633.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 98.6160% | 586 |
| Efficiency ratio | 55.8170% | 4,225 |
| Assets per employee ($millions) | 4.9950% | 2,657 |
| Cash dividends to net income (ytd only)* | 73.1618% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,532 |
| Loan loss allowance to noncurrent loans | 397.5385% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 3,226 |
| Noncurrent loans to loans | 0.2597% | 3,563 |
| Net loans and leases to total assets | 82.9808% | 358 |
| Net loans and leases to deposits | 99.5725% | 588 |
| Net loans and leases to core deposits | 117.3865% | 543 |
| Total domestic deposits to total assets | 83.3371% | 3,002 |
| Equity capital to assets | 13.3539% | 1,280 |
| Core capital (leverage) ratio | 12.3768% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1868% | 2,201 |
| Memoranda: | ||
| Average total assets | $5,044,945,500 | 236 |
| Average earning assets | $4,700,800,500 | 232 |
| Average equity | $664,013,500 | 212 |
| Average total loans | $4,229,320,500 | 207 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 904 |
| Cost of funding earning assets | 1.0915% | 1,357 |
| Net interest margin | 4.1585% | 1,400 |
| Noninterest income to average assets | 0.6001% | 2,220 |
| Noninterest expense to average assets | 2.3212% | 3,894 |
| Loan and lease loss provision to assets | 0.1264% | 1,683 |
| Net operating income to assets | 1.6392% | 756 |
| Return on assets (ROA) | 1.6382% | 805 |
| Pretax return on assets | 2.0047% | 597 |
| Return on Equity (ROE) | 12.8395% | 1,221 |
| Retained earnings to average equity (ytd only) | 7.6840% | 1,084 |
| Net charge-offs to loans | 0.1030% | 1,698 |
| Credit loss provision to net charge-offs | 144.1970% | 1,785 |
| Earnings coverage of net charge-offs (x) | 24.3229% | 1,779 |
| Efficiency ratio | 51.5702% | 4,634 |
| Assets per employee ($millions) | 4.9360% | 2,666 |
| Cash dividends to net income (ytd only)* | 40.1531% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,704 |
| Loan loss allowance to noncurrent loans | 379.2020% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,178 |
| Noncurrent loans to loans | 0.2528% | 3,543 |
| Net loans and leases to total assets | 83.0156% | 429 |
| Net loans and leases to deposits | 103.4003% | 406 |
| Net loans and leases to core deposits | 118.8983% | 508 |
| Total domestic deposits to total assets | 80.2856% | 3,917 |
| Equity capital to assets | 12.9677% | 1,547 |
| Core capital (leverage) ratio | 12.3224% | 1,581 |
| Tier 1 risk-based capital ratio | 13.1068% | 3,742 |
| Total risk-based capital ratio | 13.9726% | 3,821 |
| Memoranda: | ||
| Average total assets | $4,864,837,800 | 232 |
| Average earning assets | $4,507,919,000 | 230 |
| Average equity | $620,703,800 | 217 |
| Average total loans | $4,138,840,000 | 199 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 873 |
| Cost of funding earning assets | 1.0960% | 1,371 |
| Net interest margin | 4.1983% | 1,383 |
| Noninterest income to average assets | 0.6062% | 2,171 |
| Noninterest expense to average assets | 2.3210% | 3,896 |
| Loan and lease loss provision to assets | 0.1519% | 1,241 |
| Net operating income to assets | 1.6643% | 800 |
| Return on assets (ROA) | 1.6646% | 845 |
| Pretax return on assets | 2.0215% | 661 |
| Return on Equity (ROE) | 13.1020% | 1,243 |
| Retained earnings to average equity (ytd only) | 7.8844% | 1,451 |
| Net charge-offs to loans | 0.1133% | 1,345 |
| Credit loss provision to net charge-offs | 157.0083% | 1,579 |
| Earnings coverage of net charge-offs (x) | 22.4605% | 1,869 |
| Efficiency ratio | 51.0906% | 4,666 |
| Assets per employee ($millions) | 4.9465% | 2,618 |
| Cash dividends to net income (ytd only)* | 39.8228% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,779 |
| Loan loss allowance to noncurrent loans | 373.8873% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 3,092 |
| Noncurrent loans to loans | 0.2568% | 3,623 |
| Net loans and leases to total assets | 83.7498% | 378 |
| Net loans and leases to deposits | 104.2052% | 400 |
| Net loans and leases to core deposits | 119.9910% | 538 |
| Total domestic deposits to total assets | 80.3700% | 3,903 |
| Equity capital to assets | 13.0162% | 1,616 |
| Core capital (leverage) ratio | 12.1967% | 1,736 |
| Tier 1 risk-based capital ratio | 12.7557% | 3,985 |
| Total risk-based capital ratio | 13.6172% | 4,095 |
| Memoranda: | ||
| Average total assets | $4,827,299,500 | 235 |
| Average earning assets | $4,470,335,000 | 232 |
| Average equity | $613,297,250 | 222 |
| Average total loans | $4,122,670,500 | 201 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2821% | 840 |
| Cost of funding earning assets | 1.0769% | 1,393 |
| Net interest margin | 4.2052% | 1,352 |
| Noninterest income to average assets | 0.5755% | 2,264 |
| Noninterest expense to average assets | 2.3375% | 3,902 |
| Loan and lease loss provision to assets | 0.1486% | 1,240 |
| Net operating income to assets | 1.6334% | 845 |
| Return on assets (ROA) | 1.6337% | 882 |
| Pretax return on assets | 1.9857% | 692 |
| Return on Equity (ROE) | 12.9695% | 1,255 |
| Retained earnings to average equity (ytd only) | 7.6524% | 1,539 |
| Net charge-offs to loans | 0.1321% | 1,144 |
| Credit loss provision to net charge-offs | 131.2384% | 1,653 |
| Earnings coverage of net charge-offs (x) | 18.8447% | 1,845 |
| Efficiency ratio | 51.7034% | 4,675 |
| Assets per employee ($millions) | 4.7184% | 2,851 |
| Cash dividends to net income (ytd only)* | 40.9973% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,903 |
| Loan loss allowance to noncurrent loans | 222.7430% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,598 |
| Noncurrent loans to loans | 0.4233% | 3,009 |
| Net loans and leases to total assets | 84.6018% | 320 |
| Net loans and leases to deposits | 104.3650% | 408 |
| Net loans and leases to core deposits | 120.4256% | 533 |
| Total domestic deposits to total assets | 81.0634% | 3,787 |
| Equity capital to assets | 12.8343% | 1,672 |
| Core capital (leverage) ratio | 12.1529% | 1,721 |
| Tier 1 risk-based capital ratio | 12.6074% | 4,073 |
| Total risk-based capital ratio | 13.4538% | 4,176 |
| Memoranda: | ||
| Average total assets | $4,777,680,000 | 239 |
| Average earning assets | $4,426,329,670 | 233 |
| Average equity | $601,828,000 | 225 |
| Average total loans | $4,094,251,330 | 202 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 801 |
| Cost of funding earning assets | 1.0395% | 1,413 |
| Net interest margin | 4.2309% | 1,240 |
| Noninterest income to average assets | 0.5885% | 2,102 |
| Noninterest expense to average assets | 2.3609% | 3,872 |
| Loan and lease loss provision to assets | 0.1649% | 1,022 |
| Net operating income to assets | 1.6173% | 862 |
| Return on assets (ROA) | 1.6180% | 895 |
| Pretax return on assets | 1.9853% | 658 |
| Return on Equity (ROE) | 12.9709% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.5469% | 1,818 |
| Net charge-offs to loans | 0.1683% | 808 |
| Credit loss provision to net charge-offs | 114.1686% | 1,461 |
| Earnings coverage of net charge-offs (x) | 14.8794% | 1,769 |
| Efficiency ratio | 51.7345% | 4,713 |
| Assets per employee ($millions) | 4.3731% | 3,372 |
| Cash dividends to net income (ytd only)* | 41.8169% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,981 |
| Loan loss allowance to noncurrent loans | 356.7565% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 2,999 |
| Noncurrent loans to loans | 0.2648% | 3,613 |
| Net loans and leases to total assets | 84.7779% | 302 |
| Net loans and leases to deposits | 101.0233% | 553 |
| Net loans and leases to core deposits | 117.5341% | 594 |
| Total domestic deposits to total assets | 83.9192% | 3,073 |
| Equity capital to assets | 12.5510% | 1,706 |
| Core capital (leverage) ratio | 12.1493% | 1,692 |
| Tier 1 risk-based capital ratio | 12.5203% | 4,158 |
| Total risk-based capital ratio | 13.3655% | 4,282 |
| Memoranda: | ||
| Average total assets | $4,729,480,500 | 241 |
| Average earning assets | $4,383,987,000 | 235 |
| Average equity | $589,966,000 | 228 |
| Average total loans | $4,059,969,500 | 204 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,098 |
| Cost of funding earning assets | 0.7839% | 1,614 |
| Net interest margin | 4.1954% | 1,397 |
| Noninterest income to average assets | 0.7318% | 1,726 |
| Noninterest expense to average assets | 2.4769% | 3,681 |
| Loan and lease loss provision to assets | 0.1577% | 1,311 |
| Net operating income to assets | 1.6046% | 857 |
| Return on assets (ROA) | 1.6047% | 848 |
| Pretax return on assets | 1.9586% | 613 |
| Return on Equity (ROE) | 13.1159% | 1,300 |
| Retained earnings to average equity (ytd only) | 6.9860% | 1,679 |
| Net charge-offs to loans | 0.1342% | 1,413 |
| Credit loss provision to net charge-offs | 136.6329% | 1,960 |
| Earnings coverage of net charge-offs (x) | 18.3338% | 2,137 |
| Efficiency ratio | 53.1753% | 4,698 |
| Assets per employee ($millions) | 4.5253% | 3,131 |
| Cash dividends to net income (ytd only)* | 46.7367% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,942 |
| Loan loss allowance to noncurrent loans | 301.6730% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 2,836 |
| Noncurrent loans to loans | 0.3160% | 3,422 |
| Net loans and leases to total assets | 85.2859% | 290 |
| Net loans and leases to deposits | 105.0213% | 420 |
| Net loans and leases to core deposits | 120.6711% | 523 |
| Total domestic deposits to total assets | 81.2082% | 3,841 |
| Equity capital to assets | 12.3958% | 1,638 |
| Core capital (leverage) ratio | 12.1945% | 1,617 |
| Tier 1 risk-based capital ratio | 12.4424% | 4,175 |
| Total risk-based capital ratio | 13.2941% | 4,284 |
| Memoranda: | ||
| Average total assets | $4,533,478,000 | 242 |
| Average earning assets | $4,172,548,400 | 240 |
| Average equity | $554,654,400 | 228 |
| Average total loans | $3,898,213,600 | 207 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 1,219 |
| Cost of funding earning assets | 0.7227% | 1,738 |
| Net interest margin | 4.1535% | 1,486 |
| Noninterest income to average assets | 0.7773% | 1,548 |
| Noninterest expense to average assets | 2.4847% | 3,632 |
| Loan and lease loss provision to assets | 0.1542% | 1,270 |
| Net operating income to assets | 1.6016% | 958 |
| Return on assets (ROA) | 1.6017% | 962 |
| Pretax return on assets | 1.9565% | 711 |
| Return on Equity (ROE) | 13.1364% | 1,375 |
| Retained earnings to average equity (ytd only) | 9.2458% | 1,133 |
| Net charge-offs to loans | 0.1447% | 1,134 |
| Credit loss provision to net charge-offs | 123.9571% | 1,949 |
| Earnings coverage of net charge-offs (x) | 16.9700% | 2,131 |
| Efficiency ratio | 53.2723% | 4,678 |
| Assets per employee ($millions) | 4.4789% | 3,154 |
| Cash dividends to net income (ytd only)* | 29.6170% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,079 |
| Loan loss allowance to noncurrent loans | 300.2162% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,623 |
| Noncurrent loans to loans | 0.3135% | 3,546 |
| Net loans and leases to total assets | 86.0429% | 259 |
| Net loans and leases to deposits | 108.1622% | 351 |
| Net loans and leases to core deposits | 121.9929% | 512 |
| Total domestic deposits to total assets | 79.5499% | 4,207 |
| Equity capital to assets | 12.3860% | 1,653 |
| Core capital (leverage) ratio | 12.3833% | 1,564 |
| Tier 1 risk-based capital ratio | 12.6114% | 4,150 |
| Total risk-based capital ratio | 13.4558% | 4,269 |
| Memoranda: | ||
| Average total assets | $4,497,061,500 | 241 |
| Average earning assets | $4,133,872,250 | 240 |
| Average equity | $548,314,000 | 228 |
| Average total loans | $3,865,502,000 | 208 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 1,334 |
| Cost of funding earning assets | 0.6680% | 1,822 |
| Net interest margin | 4.0994% | 1,561 |
| Noninterest income to average assets | 0.5227% | 2,732 |
| Noninterest expense to average assets | 2.4841% | 3,671 |
| Loan and lease loss provision to assets | 0.1746% | 1,047 |
| Net operating income to assets | 1.3467% | 1,611 |
| Return on assets (ROA) | 1.3467% | 1,618 |
| Pretax return on assets | 1.6243% | 1,422 |
| Return on Equity (ROE) | 11.1052% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.4133% | 1,882 |
| Net charge-offs to loans | 0.1482% | 1,035 |
| Credit loss provision to net charge-offs | 137.5176% | 1,662 |
| Earnings coverage of net charge-offs (x) | 14.1682% | 2,112 |
| Efficiency ratio | 57.1372% | 4,343 |
| Assets per employee ($millions) | 4.0483% | 3,818 |
| Cash dividends to net income (ytd only)* | 33.2447% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 4,052 |
| Loan loss allowance to noncurrent loans | 257.5681% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 2,187 |
| Noncurrent loans to loans | 0.3736% | 3,357 |
| Net loans and leases to total assets | 84.5618% | 399 |
| Net loans and leases to deposits | 105.9468% | 436 |
| Net loans and leases to core deposits | 117.6504% | 646 |
| Total domestic deposits to total assets | 79.8154% | 4,272 |
| Equity capital to assets | 12.0541% | 1,821 |
| Core capital (leverage) ratio | 12.0994% | 1,650 |
| Tier 1 risk-based capital ratio | 12.3346% | 4,285 |
| Total risk-based capital ratio | 13.1898% | 4,409 |
| Memoranda: | ||
| Average total assets | $4,467,294,330 | 240 |
| Average earning assets | $4,097,824,670 | 236 |
| Average equity | $541,729,330 | 228 |
| Average total loans | $3,826,090,330 | 207 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 1,358 |
| Cost of funding earning assets | 0.6147% | 1,946 |
| Net interest margin | 4.0627% | 1,532 |
| Noninterest income to average assets | 0.5788% | 2,370 |
| Noninterest expense to average assets | 2.5149% | 3,597 |
| Loan and lease loss provision to assets | 0.1766% | 984 |
| Net operating income to assets | 1.3434% | 1,499 |
| Return on assets (ROA) | 1.3434% | 1,516 |
| Pretax return on assets | 1.6093% | 1,369 |
| Return on Equity (ROE) | 11.0439% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.3204% | 2,137 |
| Net charge-offs to loans | 0.2251% | 669 |
| Credit loss provision to net charge-offs | 91.4634% | 1,661 |
| Earnings coverage of net charge-offs (x) | 9.2472% | 1,974 |
| Efficiency ratio | 57.6077% | 4,400 |
| Assets per employee ($millions) | 4.0092% | 3,965 |
| Cash dividends to net income (ytd only)* | 33.7154% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 4,197 |
| Loan loss allowance to noncurrent loans | 206.9064% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 1,805 |
| Noncurrent loans to loans | 0.4613% | 3,144 |
| Net loans and leases to total assets | 85.3533% | 310 |
| Net loans and leases to deposits | 104.3379% | 462 |
| Net loans and leases to core deposits | 118.5185% | 633 |
| Total domestic deposits to total assets | 81.8047% | 4,014 |
| Equity capital to assets | 12.2583% | 1,629 |
| Core capital (leverage) ratio | 12.2228% | 1,512 |
| Tier 1 risk-based capital ratio | 12.3762% | 4,325 |
| Total risk-based capital ratio | 13.2224% | 4,457 |
| Memoranda: | ||
| Average total assets | $4,415,681,000 | 242 |
| Average earning assets | $4,045,439,000 | 238 |
| Average equity | $537,127,500 | 228 |
| Average total loans | $3,787,899,500 | 209 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5346% | 1,603 |
| Cost of funding earning assets | 0.5588% | 1,890 |
| Net interest margin | 3.9758% | 1,825 |
| Noninterest income to average assets | 0.8222% | 1,491 |
| Noninterest expense to average assets | 2.5406% | 3,637 |
| Loan and lease loss provision to assets | 0.2034% | 1,011 |
| Net operating income to assets | 1.2557% | 1,342 |
| Return on assets (ROA) | 1.2557% | 1,368 |
| Pretax return on assets | 1.7131% | 975 |
| Return on Equity (ROE) | 10.9139% | 1,518 |
| Retained earnings to average equity (ytd only) | 7.5144% | 916 |
| Net charge-offs to loans | 0.2630% | 988 |
| Credit loss provision to net charge-offs | 90.9273% | 2,764 |
| Earnings coverage of net charge-offs (x) | 8.5682% | 2,893 |
| Efficiency ratio | 56.1733% | 4,755 |
| Assets per employee ($millions) | 3.9723% | 4,007 |
| Cash dividends to net income (ytd only)* | 31.1477% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 4,114 |
| Loan loss allowance to noncurrent loans | 176.8023% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 1,678 |
| Noncurrent loans to loans | 0.5472% | 2,860 |
| Net loans and leases to total assets | 84.5641% | 387 |
| Net loans and leases to deposits | 102.4952% | 577 |
| Net loans and leases to core deposits | 118.5354% | 631 |
| Total domestic deposits to total assets | 82.5055% | 3,730 |
| Equity capital to assets | 12.0699% | 1,785 |
| Core capital (leverage) ratio | 11.7446% | 1,766 |
| Tier 1 risk-based capital ratio | 12.3019% | 4,331 |
| Total risk-based capital ratio | 13.1616% | 4,469 |
| Memoranda: | ||
| Average total assets | $4,474,282,200 | 228 |
| Average earning assets | $4,090,666,000 | 228 |
| Average equity | $514,795,000 | 221 |
| Average total loans | $3,805,176,000 | 198 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 1,628 |
| Cost of funding earning assets | 0.5460% | 1,924 |
| Net interest margin | 3.9585% | 1,838 |
| Noninterest income to average assets | 0.8820% | 1,328 |
| Noninterest expense to average assets | 2.5154% | 3,683 |
| Loan and lease loss provision to assets | 0.2124% | 891 |
| Net operating income to assets | 1.2733% | 1,424 |
| Return on assets (ROA) | 1.2733% | 1,450 |
| Pretax return on assets | 1.7737% | 950 |
| Return on Equity (ROE) | 11.2015% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.8042% | 1,300 |
| Net charge-offs to loans | 0.2904% | 735 |
| Credit loss provision to net charge-offs | 86.0720% | 2,509 |
| Earnings coverage of net charge-offs (x) | 8.0489% | 2,821 |
| Efficiency ratio | 55.0626% | 4,843 |
| Assets per employee ($millions) | 4.0935% | 3,835 |
| Cash dividends to net income (ytd only)* | 30.3285% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 4,371 |
| Loan loss allowance to noncurrent loans | 188.6085% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 1,598 |
| Noncurrent loans to loans | 0.4992% | 3,202 |
| Net loans and leases to total assets | 84.4498% | 392 |
| Net loans and leases to deposits | 104.5623% | 471 |
| Net loans and leases to core deposits | 119.6229% | 604 |
| Total domestic deposits to total assets | 80.7651% | 4,116 |
| Equity capital to assets | 11.6276% | 2,253 |
| Core capital (leverage) ratio | 11.5649% | 1,976 |
| Tier 1 risk-based capital ratio | 12.0243% | 4,598 |
| Total risk-based capital ratio | 12.8737% | 4,758 |
| Memoranda: | ||
| Average total assets | $4,488,550,250 | 226 |
| Average earning assets | $4,104,291,750 | 223 |
| Average equity | $510,205,500 | 226 |
| Average total loans | $3,813,503,500 | 198 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,560 |
| Cost of funding earning assets | 0.5382% | 1,854 |
| Net interest margin | 3.9455% | 1,797 |
| Noninterest income to average assets | 1.0119% | 994 |
| Noninterest expense to average assets | 2.5467% | 3,594 |
| Loan and lease loss provision to assets | 0.1875% | 1,003 |
| Net operating income to assets | 1.3404% | 1,194 |
| Return on assets (ROA) | 1.3404% | 1,219 |
| Pretax return on assets | 1.8816% | 690 |
| Return on Equity (ROE) | 11.8838% | 1,335 |
| Retained earnings to average equity (ytd only) | 8.5193% | 994 |
| Net charge-offs to loans | 0.2666% | 763 |
| Credit loss provision to net charge-offs | 82.8893% | 2,227 |
| Earnings coverage of net charge-offs (x) | 9.1466% | 2,460 |
| Efficiency ratio | 54.3748% | 4,990 |
| Assets per employee ($millions) | 3.9244% | 4,091 |
| Cash dividends to net income (ytd only)* | 28.3116% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,382 |
| Loan loss allowance to noncurrent loans | 168.0064% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 1,568 |
| Noncurrent loans to loans | 0.5695% | 3,022 |
| Net loans and leases to total assets | 84.9834% | 347 |
| Net loans and leases to deposits | 104.4569% | 469 |
| Net loans and leases to core deposits | 119.2355% | 586 |
| Total domestic deposits to total assets | 81.3574% | 4,088 |
| Equity capital to assets | 11.6136% | 2,222 |
| Core capital (leverage) ratio | 11.3437% | 2,089 |
| Tier 1 risk-based capital ratio | 11.8317% | 4,738 |
| Total risk-based capital ratio | 12.6888% | 4,892 |
| Memoranda: | ||
| Average total assets | $4,479,700,000 | 229 |
| Average earning assets | $4,091,848,670 | 227 |
| Average equity | $505,274,670 | 228 |
| Average total loans | $3,801,591,670 | 201 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 1,333 |
| Cost of funding earning assets | 0.5308% | 1,856 |
| Net interest margin | 3.9870% | 1,501 |
| Noninterest income to average assets | 0.6481% | 2,190 |
| Noninterest expense to average assets | 2.5597% | 3,629 |
| Loan and lease loss provision to assets | 0.2002% | 824 |
| Net operating income to assets | 1.1284% | 1,759 |
| Return on assets (ROA) | 1.1284% | 1,795 |
| Pretax return on assets | 1.5278% | 1,448 |
| Return on Equity (ROE) | 10.1535% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.9502% | 1,870 |
| Net charge-offs to loans | 0.2802% | 646 |
| Credit loss provision to net charge-offs | 84.6820% | 1,727 |
| Earnings coverage of net charge-offs (x) | 7.3075% | 2,147 |
| Efficiency ratio | 58.8434% | 4,609 |
| Assets per employee ($millions) | 3.9008% | 4,182 |
| Cash dividends to net income (ytd only)* | 31.5482% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,389 |
| Loan loss allowance to noncurrent loans | 150.6352% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 1,416 |
| Noncurrent loans to loans | 0.6513% | 2,874 |
| Net loans and leases to total assets | 84.1874% | 348 |
| Net loans and leases to deposits | 100.0398% | 610 |
| Net loans and leases to core deposits | 115.5655% | 607 |
| Total domestic deposits to total assets | 84.1539% | 3,420 |
| Equity capital to assets | 11.3647% | 2,292 |
| Core capital (leverage) ratio | 10.9801% | 2,374 |
| Tier 1 risk-based capital ratio | 12.0168% | 4,706 |
| Total risk-based capital ratio | 12.9218% | 4,827 |
| Memoranda: | ||
| Average total assets | $4,494,435,500 | 227 |
| Average earning assets | $4,102,861,000 | 225 |
| Average equity | $499,495,000 | 229 |
| Average total loans | $3,793,143,000 | 197 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,002 |
| Cost of funding earning assets | 0.4988% | 2,100 |
| Net interest margin | 4.2330% | 1,049 |
| Noninterest income to average assets | 0.5333% | 3,016 |
| Noninterest expense to average assets | 2.7217% | 3,273 |
| Loan and lease loss provision to assets | 0.2126% | 1,065 |
| Net operating income to assets | 1.0530% | 2,125 |
| Return on assets (ROA) | 1.0553% | 2,215 |
| Pretax return on assets | 1.4392% | 1,783 |
| Return on Equity (ROE) | 10.3878% | 1,807 |
| Retained earnings to average equity (ytd only) | 7.6819% | 968 |
| Net charge-offs to loans | 0.2751% | 1,002 |
| Credit loss provision to net charge-offs | 92.5416% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.1759% | 3,061 |
| Efficiency ratio | 61.2755% | 4,377 |
| Assets per employee ($millions) | 3.9666% | 4,031 |
| Cash dividends to net income (ytd only)* | 26.0490% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 4,435 |
| Loan loss allowance to noncurrent loans | 149.9539% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,471 |
| Noncurrent loans to loans | 0.6537% | 2,899 |
| Net loans and leases to total assets | 82.9663% | 483 |
| Net loans and leases to deposits | 101.5714% | 563 |
| Net loans and leases to core deposits | 123.8537% | 386 |
| Total domestic deposits to total assets | 81.6827% | 4,154 |
| Equity capital to assets | 10.8691% | 2,743 |
| Core capital (leverage) ratio | 10.8280% | 2,506 |
| Tier 1 risk-based capital ratio | 11.8127% | 4,851 |
| Total risk-based capital ratio | 12.7262% | 4,972 |
| Memoranda: | ||
| Average total assets | $4,365,270,000 | 222 |
| Average earning assets | $3,956,965,400 | 219 |
| Average equity | $443,472,400 | 239 |
| Average total loans | $3,645,497,400 | 193 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 966 |
| Cost of funding earning assets | 0.4903% | 2,168 |
| Net interest margin | 4.2708% | 981 |
| Noninterest income to average assets | 0.5118% | 3,171 |
| Noninterest expense to average assets | 2.7849% | 3,063 |
| Loan and lease loss provision to assets | 0.2131% | 985 |
| Net operating income to assets | 1.0165% | 2,354 |
| Return on assets (ROA) | 1.0198% | 2,464 |
| Pretax return on assets | 1.3837% | 2,109 |
| Return on Equity (ROE) | 10.2269% | 1,959 |
| Retained earnings to average equity (ytd only) | 7.7499% | 1,283 |
| Net charge-offs to loans | 0.2978% | 770 |
| Credit loss provision to net charge-offs | 85.7587% | 2,590 |
| Earnings coverage of net charge-offs (x) | 6.4083% | 3,002 |
| Efficiency ratio | 62.5681% | 4,128 |
| Assets per employee ($millions) | 3.8888% | 4,154 |
| Cash dividends to net income (ytd only)* | 24.2211% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 4,468 |
| Loan loss allowance to noncurrent loans | 143.1024% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 1,590 |
| Noncurrent loans to loans | 0.6917% | 2,958 |
| Net loans and leases to total assets | 83.2619% | 484 |
| Net loans and leases to deposits | 102.6189% | 533 |
| Net loans and leases to core deposits | 125.1788% | 388 |
| Total domestic deposits to total assets | 81.1370% | 4,218 |
| Equity capital to assets | 10.9857% | 3,024 |
| Core capital (leverage) ratio | 10.7143% | 2,770 |
| Tier 1 risk-based capital ratio | 11.8028% | 4,917 |
| Total risk-based capital ratio | 12.7236% | 5,016 |
| Memoranda: | ||
| Average total assets | $4,318,162,000 | 226 |
| Average earning assets | $3,908,276,000 | 221 |
| Average equity | $430,603,750 | 244 |
| Average total loans | $3,603,012,250 | 195 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 928 |
| Cost of funding earning assets | 0.4783% | 2,287 |
| Net interest margin | 4.2981% | 928 |
| Noninterest income to average assets | 0.4783% | 3,345 |
| Noninterest expense to average assets | 2.8104% | 2,994 |
| Loan and lease loss provision to assets | 0.2059% | 1,043 |
| Net operating income to assets | 0.9821% | 2,459 |
| Return on assets (ROA) | 0.9822% | 2,604 |
| Pretax return on assets | 1.3458% | 2,222 |
| Return on Equity (ROE) | 10.2093% | 1,960 |
| Retained earnings to average equity (ytd only) | 7.7784% | 1,254 |
| Net charge-offs to loans | 0.2482% | 953 |
| Credit loss provision to net charge-offs | 99.6603% | 2,135 |
| Earnings coverage of net charge-offs (x) | 7.5113% | 2,617 |
| Efficiency ratio | 63.3231% | 4,131 |
| Assets per employee ($millions) | 3.7380% | 4,379 |
| Cash dividends to net income (ytd only)* | 23.8107% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,356 |
| Loan loss allowance to noncurrent loans | 203.2026% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 1,802 |
| Noncurrent loans to loans | 0.5061% | 3,567 |
| Net loans and leases to total assets | 83.1305% | 499 |
| Net loans and leases to deposits | 107.5688% | 310 |
| Net loans and leases to core deposits | 121.7327% | 467 |
| Total domestic deposits to total assets | 77.2812% | 5,118 |
| Equity capital to assets | 9.5177% | 4,756 |
| Core capital (leverage) ratio | 9.4557% | 4,262 |
| Tier 1 risk-based capital ratio | 10.2870% | 5,767 |
| Total risk-based capital ratio | 11.2455% | 5,803 |
| Memoranda: | ||
| Average total assets | $4,275,910,670 | 225 |
| Average earning assets | $3,863,477,000 | 224 |
| Average equity | $411,370,330 | 252 |
| Average total loans | $3,558,042,330 | 198 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 722 |
| Cost of funding earning assets | 0.4691% | 2,374 |
| Net interest margin | 4.4099% | 725 |
| Noninterest income to average assets | 0.4012% | 3,820 |
| Noninterest expense to average assets | 2.8949% | 2,723 |
| Loan and lease loss provision to assets | 0.1998% | 982 |
| Net operating income to assets | 0.9648% | 2,438 |
| Return on assets (ROA) | 0.9651% | 2,547 |
| Pretax return on assets | 1.2882% | 2,358 |
| Return on Equity (ROE) | 9.9751% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.0265% | 1,875 |
| Net charge-offs to loans | 0.3701% | 598 |
| Credit loss provision to net charge-offs | 65.1877% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.8542% | 2,387 |
| Efficiency ratio | 64.8767% | 3,997 |
| Assets per employee ($millions) | 3.6983% | 4,473 |
| Cash dividends to net income (ytd only)* | 29.5596% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,413 |
| Loan loss allowance to noncurrent loans | 133.8080% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5230% | 1,328 |
| Noncurrent loans to loans | 0.7743% | 2,902 |
| Net loans and leases to total assets | 81.9445% | 558 |
| Net loans and leases to deposits | 101.1758% | 555 |
| Net loans and leases to core deposits | 115.5910% | 610 |
| Total domestic deposits to total assets | 80.9922% | 4,496 |
| Equity capital to assets | 9.5177% | 4,651 |
| Core capital (leverage) ratio | 9.4890% | 4,212 |
| Tier 1 risk-based capital ratio | 10.5320% | 5,737 |
| Total risk-based capital ratio | 11.5067% | 5,773 |
| Memoranda: | ||
| Average total assets | $4,206,600,000 | 228 |
| Average earning assets | $3,797,794,500 | 226 |
| Average equity | $406,975,000 | 254 |
| Average total loans | $3,483,086,500 | 201 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 506 |
| Cost of funding earning assets | 0.4187% | 2,957 |
| Net interest margin | 4.6904% | 455 |
| Noninterest income to average assets | 0.2572% | 5,056 |
| Noninterest expense to average assets | 2.7983% | 3,236 |
| Loan and lease loss provision to assets | 0.1359% | 1,747 |
| Net operating income to assets | 1.1539% | 1,712 |
| Return on assets (ROA) | 1.1539% | 1,788 |
| Pretax return on assets | 1.5395% | 1,436 |
| Return on Equity (ROE) | 11.8596% | 1,338 |
| Retained earnings to average equity (ytd only) | 5.0248% | 2,398 |
| Net charge-offs to loans | 0.1787% | 1,605 |
| Credit loss provision to net charge-offs | 95.0568% | 2,655 |
| Earnings coverage of net charge-offs (x) | 11.7160% | 2,539 |
| Efficiency ratio | 61.5866% | 4,678 |
| Assets per employee ($millions) | 3.5139% | 4,813 |
| Cash dividends to net income (ytd only)* | 57.6307% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,903 |
| Loan loss allowance to noncurrent loans | 126.2919% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 1,363 |
| Noncurrent loans to loans | 0.8904% | 2,573 |
| Net loans and leases to total assets | 81.8674% | 608 |
| Net loans and leases to deposits | 101.8522% | 548 |
| Net loans and leases to core deposits | 115.1807% | 629 |
| Total domestic deposits to total assets | 80.3787% | 4,646 |
| Equity capital to assets | 9.8401% | 4,144 |
| Core capital (leverage) ratio | 9.7832% | 3,795 |
| Tier 1 risk-based capital ratio | 10.9983% | 5,523 |
| Total risk-based capital ratio | 12.0573% | 5,532 |
| Memoranda: | ||
| Average total assets | $4,060,077,600 | 222 |
| Average earning assets | $3,649,907,000 | 221 |
| Average equity | $395,037,800 | 248 |
| Average total loans | $3,248,639,200 | 199 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 461 |
| Cost of funding earning assets | 0.4096% | 3,130 |
| Net interest margin | 4.7535% | 415 |
| Noninterest income to average assets | 0.2297% | 5,278 |
| Noninterest expense to average assets | 2.8070% | 3,158 |
| Loan and lease loss provision to assets | 0.1416% | 1,569 |
| Net operating income to assets | 1.1582% | 1,807 |
| Return on assets (ROA) | 1.1582% | 1,873 |
| Pretax return on assets | 1.5501% | 1,532 |
| Return on Equity (ROE) | 11.9378% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.5097% | 1,951 |
| Net charge-offs to loans | 0.1187% | 1,931 |
| Credit loss provision to net charge-offs | 150.4545% | 1,669 |
| Earnings coverage of net charge-offs (x) | 17.9710% | 2,026 |
| Efficiency ratio | 61.4352% | 4,651 |
| Assets per employee ($millions) | 3.5342% | 4,736 |
| Cash dividends to net income (ytd only)* | 45.4700% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 3,654 |
| Loan loss allowance to noncurrent loans | 169.5709% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 1,612 |
| Noncurrent loans to loans | 0.7081% | 3,207 |
| Net loans and leases to total assets | 80.5933% | 736 |
| Net loans and leases to deposits | 98.6987% | 753 |
| Net loans and leases to core deposits | 111.9451% | 767 |
| Total domestic deposits to total assets | 81.6559% | 4,272 |
| Equity capital to assets | 9.9049% | 4,279 |
| Core capital (leverage) ratio | 9.7344% | 3,991 |
| Tier 1 risk-based capital ratio | 11.3889% | 5,432 |
| Total risk-based capital ratio | 12.5377% | 5,397 |
| Memoranda: | ||
| Average total assets | $4,050,784,000 | 227 |
| Average earning assets | $3,637,963,750 | 225 |
| Average equity | $393,004,000 | 252 |
| Average total loans | $3,212,683,000 | 204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2274% | 411 |
| Cost of funding earning assets | 0.3969% | 3,309 |
| Net interest margin | 4.8305% | 340 |
| Noninterest income to average assets | 0.1545% | 5,785 |
| Noninterest expense to average assets | 2.7392% | 3,451 |
| Loan and lease loss provision to assets | 0.1286% | 1,726 |
| Net operating income to assets | 1.2060% | 1,581 |
| Return on assets (ROA) | 1.2060% | 1,665 |
| Pretax return on assets | 1.6168% | 1,284 |
| Return on Equity (ROE) | 12.5185% | 1,217 |
| Retained earnings to average equity (ytd only) | 6.1014% | 2,171 |
| Net charge-offs to loans | 0.0841% | 2,201 |
| Credit loss provision to net charge-offs | 194.6108% | 1,262 |
| Earnings coverage of net charge-offs (x) | 26.4154% | 1,483 |
| Efficiency ratio | 60.1151% | 4,961 |
| Assets per employee ($millions) | 3.4495% | 4,892 |
| Cash dividends to net income (ytd only)* | 51.2610% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,682 |
| Loan loss allowance to noncurrent loans | 159.5491% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.5634% | 1,558 |
| Noncurrent loans to loans | 0.7632% | 3,208 |
| Net loans and leases to total assets | 78.3221% | 1,029 |
| Net loans and leases to deposits | 98.3110% | 770 |
| Net loans and leases to core deposits | 111.8706% | 754 |
| Total domestic deposits to total assets | 79.6677% | 4,935 |
| Equity capital to assets | 9.6250% | 4,503 |
| Core capital (leverage) ratio | 9.5463% | 4,215 |
| Tier 1 risk-based capital ratio | 11.5175% | 5,451 |
| Total risk-based capital ratio | 12.6964% | 5,416 |
| Memoranda: | ||
| Average total assets | $4,043,906,670 | 229 |
| Average earning assets | $3,624,999,330 | 228 |
| Average equity | $389,582,000 | 256 |
| Average total loans | $3,176,522,000 | 206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 312 |
| Cost of funding earning assets | 0.4048% | 3,249 |
| Net interest margin | 4.9765% | 259 |
| Noninterest income to average assets | -0.0141% | 6,351 |
| Noninterest expense to average assets | 2.7116% | 3,547 |
| Loan and lease loss provision to assets | 0.1297% | 1,599 |
| Net operating income to assets | 1.1993% | 1,550 |
| Return on assets (ROA) | 1.1993% | 1,649 |
| Pretax return on assets | 1.5961% | 1,277 |
| Return on Equity (ROE) | 12.4432% | 1,234 |
| Retained earnings to average equity (ytd only) | 3.1287% | 4,106 |
| Net charge-offs to loans | 0.0847% | 1,865 |
| Credit loss provision to net charge-offs | 195.7831% | 1,066 |
| Earnings coverage of net charge-offs (x) | 26.0557% | 1,250 |
| Efficiency ratio | 60.1250% | 5,079 |
| Assets per employee ($millions) | 3.3512% | 5,164 |
| Cash dividends to net income (ytd only)* | 74.8565% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,785 |
| Loan loss allowance to noncurrent loans | 154.7244% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 1,438 |
| Noncurrent loans to loans | 0.7951% | 3,255 |
| Net loans and leases to total assets | 77.1058% | 1,045 |
| Net loans and leases to deposits | 94.0412% | 979 |
| Net loans and leases to core deposits | 106.8181% | 889 |
| Total domestic deposits to total assets | 81.9915% | 4,510 |
| Equity capital to assets | 9.5354% | 4,706 |
| Core capital (leverage) ratio | 9.3177% | 4,542 |
| Tier 1 risk-based capital ratio | 11.5255% | 5,548 |
| Total risk-based capital ratio | 12.7142% | 5,488 |
| Memoranda: | ||
| Average total assets | $4,009,949,500 | 229 |
| Average earning assets | $3,586,833,500 | 227 |
| Average equity | $386,491,000 | 256 |
| Average total loans | $3,134,702,000 | 204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 348 |
| Cost of funding earning assets | 0.4489% | 3,181 |
| Net interest margin | 4.9952% | 306 |
| Noninterest income to average assets | 0.2369% | 5,441 |
| Noninterest expense to average assets | 3.0754% | 2,604 |
| Loan and lease loss provision to assets | 0.1087% | 2,345 |
| Net operating income to assets | 1.1328% | 1,847 |
| Return on assets (ROA) | 1.1753% | 1,732 |
| Pretax return on assets | 1.5455% | 1,400 |
| Return on Equity (ROE) | 11.8694% | 1,447 |
| Retained earnings to average equity (ytd only) | 2.3536% | 4,552 |
| Net charge-offs to loans | 0.2087% | 1,999 |
| Credit loss provision to net charge-offs | 71.1763% | 3,048 |
| Earnings coverage of net charge-offs (x) | 10.4693% | 2,606 |
| Efficiency ratio | 64.9538% | 4,410 |
| Assets per employee ($millions) | 3.4183% | 5,014 |
| Cash dividends to net income (ytd only)* | 80.1710% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,755 |
| Loan loss allowance to noncurrent loans | 123.5018% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9296% | 1,333 |
| Noncurrent loans to loans | 1.0060% | 2,819 |
| Net loans and leases to total assets | 77.3106% | 1,097 |
| Net loans and leases to deposits | 99.8469% | 630 |
| Net loans and leases to core deposits | 109.1970% | 819 |
| Total domestic deposits to total assets | 77.4291% | 5,532 |
| Equity capital to assets | 9.7442% | 4,423 |
| Core capital (leverage) ratio | 9.5410% | 4,184 |
| Tier 1 risk-based capital ratio | 11.4257% | 5,697 |
| Total risk-based capital ratio | 12.6041% | 5,656 |
| Memoranda: | ||
| Average total assets | $3,820,479,400 | 223 |
| Average earning assets | $3,393,333,600 | 225 |
| Average equity | $378,318,600 | 245 |
| Average total loans | $2,793,808,800 | 209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3610% | 403 |
| Cost of funding earning assets | 0.4692% | 3,057 |
| Net interest margin | 4.8918% | 349 |
| Noninterest income to average assets | 0.3899% | 4,324 |
| Noninterest expense to average assets | 3.1026% | 2,463 |
| Loan and lease loss provision to assets | 0.1443% | 1,735 |
| Net operating income to assets | 1.1227% | 1,953 |
| Return on assets (ROA) | 1.1485% | 1,928 |
| Pretax return on assets | 1.5164% | 1,592 |
| Return on Equity (ROE) | 11.5497% | 1,609 |
| Retained earnings to average equity (ytd only) | 1.9916% | 5,057 |
| Net charge-offs to loans | 0.3008% | 1,316 |
| Credit loss provision to net charge-offs | 66.8243% | 2,818 |
| Earnings coverage of net charge-offs (x) | 7.5342% | 2,918 |
| Efficiency ratio | 64.7973% | 4,411 |
| Assets per employee ($millions) | 3.3372% | 5,173 |
| Cash dividends to net income (ytd only)* | 82.7561% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 3,789 |
| Loan loss allowance to noncurrent loans | 101.9681% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.0611% | 1,373 |
| Noncurrent loans to loans | 1.2485% | 2,553 |
| Net loans and leases to total assets | 75.5717% | 1,272 |
| Net loans and leases to deposits | 94.1836% | 1,019 |
| Net loans and leases to core deposits | 105.0948% | 1,017 |
| Total domestic deposits to total assets | 80.2387% | 5,035 |
| Equity capital to assets | 9.7672% | 4,459 |
| Core capital (leverage) ratio | 9.4072% | 4,504 |
| Tier 1 risk-based capital ratio | 12.0151% | 5,476 |
| Total risk-based capital ratio | 13.2553% | 5,399 |
| Memoranda: | ||
| Average total assets | $3,787,714,750 | 222 |
| Average earning assets | $3,360,069,500 | 224 |
| Average equity | $376,636,750 | 244 |
| Average total loans | $2,718,913,250 | 211 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2672% | 458 |
| Cost of funding earning assets | 0.5111% | 2,720 |
| Net interest margin | 4.7562% | 443 |
| Noninterest income to average assets | 0.5214% | 3,333 |
| Noninterest expense to average assets | 3.1485% | 2,335 |
| Loan and lease loss provision to assets | 0.1683% | 1,460 |
| Net operating income to assets | 1.0760% | 2,019 |
| Return on assets (ROA) | 1.1020% | 1,998 |
| Pretax return on assets | 1.4432% | 1,737 |
| Return on Equity (ROE) | 11.0147% | 1,741 |
| Retained earnings to average equity (ytd only) | 1.4135% | 5,177 |
| Net charge-offs to loans | 0.3947% | 1,023 |
| Credit loss provision to net charge-offs | 60.8059% | 2,624 |
| Earnings coverage of net charge-offs (x) | 5.6981% | 2,885 |
| Efficiency ratio | 65.8965% | 4,377 |
| Assets per employee ($millions) | 3.8317% | 4,195 |
| Cash dividends to net income (ytd only)* | 87.1671% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 3,634 |
| Loan loss allowance to noncurrent loans | 100.6874% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1321% | 1,452 |
| Noncurrent loans to loans | 1.3325% | 2,586 |
| Net loans and leases to total assets | 71.5110% | 1,827 |
| Net loans and leases to deposits | 85.9303% | 1,821 |
| Net loans and leases to core deposits | 94.3541% | 1,744 |
| Total domestic deposits to total assets | 83.2198% | 4,222 |
| Equity capital to assets | 9.6713% | 4,533 |
| Core capital (leverage) ratio | 9.6950% | 4,055 |
| Tier 1 risk-based capital ratio | 12.5041% | 5,225 |
| Total risk-based capital ratio | 13.7547% | 5,149 |
| Memoranda: | ||
| Average total assets | $3,747,684,330 | 223 |
| Average earning assets | $3,312,925,330 | 221 |
| Average equity | $374,954,330 | 242 |
| Average total loans | $2,628,125,000 | 213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 442 |
| Cost of funding earning assets | 0.5174% | 2,740 |
| Net interest margin | 4.7425% | 428 |
| Noninterest income to average assets | 0.0560% | 6,468 |
| Noninterest expense to average assets | 2.7838% | 3,626 |
| Loan and lease loss provision to assets | 0.1846% | 1,293 |
| Net operating income to assets | 1.0000% | 2,212 |
| Return on assets (ROA) | 1.0062% | 2,252 |
| Pretax return on assets | 1.2900% | 2,128 |
| Return on Equity (ROE) | 9.8813% | 2,087 |
| Retained earnings to average equity (ytd only) | 0.2316% | 5,479 |
| Net charge-offs to loans | 0.5598% | 659 |
| Credit loss provision to net charge-offs | 47.8901% | 2,228 |
| Earnings coverage of net charge-offs (x) | 3.8043% | 2,628 |
| Efficiency ratio | 64.7050% | 4,745 |
| Assets per employee ($millions) | 3.7149% | 4,487 |
| Cash dividends to net income (ytd only)* | 97.6563% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,160 |
| Loan loss allowance to noncurrent loans | 115.8900% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1846% | 1,518 |
| Noncurrent loans to loans | 1.2906% | 2,877 |
| Net loans and leases to total assets | 66.8528% | 2,419 |
| Net loans and leases to deposits | 82.1869% | 2,029 |
| Net loans and leases to core deposits | 87.6764% | 2,133 |
| Total domestic deposits to total assets | 81.3425% | 5,143 |
| Equity capital to assets | 9.9332% | 3,923 |
| Core capital (leverage) ratio | 10.0040% | 3,571 |
| Tier 1 risk-based capital ratio | 13.8323% | 4,448 |
| Total risk-based capital ratio | 15.0847% | 4,394 |
| Memoranda: | ||
| Average total assets | $3,663,522,500 | 225 |
| Average earning assets | $3,240,136,500 | 227 |
| Average equity | $373,066,500 | 244 |
| Average total loans | $2,522,957,500 | 219 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 430 |
| Cost of funding earning assets | 0.5593% | 3,027 |
| Net interest margin | 4.8418% | 398 |
| Noninterest income to average assets | 0.1198% | 6,322 |
| Noninterest expense to average assets | 2.8992% | 3,372 |
| Loan and lease loss provision to assets | 0.4582% | 630 |
| Net operating income to assets | 0.9173% | 2,697 |
| Return on assets (ROA) | 0.9230% | 2,759 |
| Pretax return on assets | 1.0224% | 3,256 |
| Return on Equity (ROE) | 9.3190% | 2,406 |
| Retained earnings to average equity (ytd only) | 2.9328% | 4,156 |
| Net charge-offs to loans | 0.7439% | 865 |
| Credit loss provision to net charge-offs | 97.0201% | 2,571 |
| Earnings coverage of net charge-offs (x) | 3.1213% | 3,951 |
| Efficiency ratio | 65.5520% | 4,641 |
| Assets per employee ($millions) | 3.5600% | 4,783 |
| Cash dividends to net income (ytd only)* | 68.5284% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,706 |
| Loan loss allowance to noncurrent loans | 101.4722% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 2.5929% | 1,314 |
| Noncurrent loans to loans | 1.5897% | 2,515 |
| Net loans and leases to total assets | 68.7982% | 2,212 |
| Net loans and leases to deposits | 85.8408% | 1,706 |
| Net loans and leases to core deposits | 92.3462% | 1,760 |
| Total domestic deposits to total assets | 80.1463% | 5,414 |
| Equity capital to assets | 10.4484% | 3,223 |
| Core capital (leverage) ratio | 10.2440% | 3,221 |
| Tier 1 risk-based capital ratio | 14.1504% | 4,190 |
| Total risk-based capital ratio | 15.4041% | 4,139 |
| Memoranda: | ||
| Average total assets | $3,794,187,800 | 212 |
| Average earning assets | $3,333,203,000 | 212 |
| Average equity | $375,814,600 | 232 |
| Average total loans | $2,408,900,600 | 216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 528 |
| Cost of funding earning assets | 0.5649% | 3,122 |
| Net interest margin | 4.7398% | 488 |
| Noninterest income to average assets | 0.1918% | 6,030 |
| Noninterest expense to average assets | 2.8138% | 3,608 |
| Loan and lease loss provision to assets | 0.5042% | 540 |
| Net operating income to assets | 0.8924% | 2,870 |
| Return on assets (ROA) | 0.8996% | 2,955 |
| Pretax return on assets | 1.0441% | 3,320 |
| Return on Equity (ROE) | 9.1987% | 2,540 |
| Retained earnings to average equity (ytd only) | 3.8920% | 3,918 |
| Net charge-offs to loans | 0.8798% | 660 |
| Credit loss provision to net charge-offs | 92.4331% | 2,570 |
| Earnings coverage of net charge-offs (x) | 2.8231% | 3,895 |
| Efficiency ratio | 63.8972% | 4,813 |
| Assets per employee ($millions) | 3.5443% | 4,759 |
| Cash dividends to net income (ytd only)* | 57.6901% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 2,766 |
| Loan loss allowance to noncurrent loans | 89.7584% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.7334% | 1,374 |
| Noncurrent loans to loans | 1.8483% | 2,434 |
| Net loans and leases to total assets | 64.9480% | 2,813 |
| Net loans and leases to deposits | 80.9244% | 2,275 |
| Net loans and leases to core deposits | 87.1492% | 2,264 |
| Total domestic deposits to total assets | 80.2576% | 5,441 |
| Equity capital to assets | 10.3575% | 3,438 |
| Core capital (leverage) ratio | 9.9838% | 3,699 |
| Tier 1 risk-based capital ratio | 15.1103% | 3,678 |
| Total risk-based capital ratio | 16.3650% | 3,628 |
| Memoranda: | ||
| Average total assets | $3,853,624,250 | 210 |
| Average earning assets | $3,383,806,750 | 209 |
| Average equity | $376,870,750 | 232 |
| Average total loans | $2,389,404,500 | 211 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 550 |
| Cost of funding earning assets | 0.5732% | 3,186 |
| Net interest margin | 4.7020% | 508 |
| Noninterest income to average assets | 0.2386% | 5,741 |
| Noninterest expense to average assets | 2.7503% | 3,855 |
| Loan and lease loss provision to assets | 0.6042% | 421 |
| Net operating income to assets | 0.8683% | 2,958 |
| Return on assets (ROA) | 0.8740% | 3,083 |
| Pretax return on assets | 1.0252% | 3,396 |
| Return on Equity (ROE) | 9.1007% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.9275% | 2,479 |
| Net charge-offs to loans | 1.0330% | 588 |
| Credit loss provision to net charge-offs | 96.2460% | 2,314 |
| Earnings coverage of net charge-offs (x) | 2.5850% | 3,659 |
| Efficiency ratio | 62.1797% | 5,154 |
| Assets per employee ($millions) | 3.6154% | 4,585 |
| Cash dividends to net income (ytd only)* | 34.8675% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 2,846 |
| Loan loss allowance to noncurrent loans | 75.0658% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.9722% | 1,371 |
| Noncurrent loans to loans | 2.2411% | 2,128 |
| Net loans and leases to total assets | 61.3987% | 3,406 |
| Net loans and leases to deposits | 77.1744% | 2,702 |
| Net loans and leases to core deposits | 83.3254% | 2,651 |
| Total domestic deposits to total assets | 79.5584% | 5,705 |
| Equity capital to assets | 9.8962% | 4,061 |
| Core capital (leverage) ratio | 9.3644% | 4,447 |
| Tier 1 risk-based capital ratio | 15.0477% | 3,750 |
| Total risk-based capital ratio | 16.3027% | 3,712 |
| Memoranda: | ||
| Average total assets | $3,937,829,330 | 206 |
| Average earning assets | $3,462,541,670 | 205 |
| Average equity | $378,169,330 | 233 |
| Average total loans | $2,393,125,670 | 209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 410 |
| Cost of funding earning assets | 0.5796% | 3,298 |
| Net interest margin | 4.8538% | 368 |
| Noninterest income to average assets | 0.2612% | 5,593 |
| Noninterest expense to average assets | 2.6664% | 4,194 |
| Loan and lease loss provision to assets | 0.8237% | 259 |
| Net operating income to assets | 0.8746% | 2,780 |
| Return on assets (ROA) | 0.8775% | 2,912 |
| Pretax return on assets | 1.0375% | 3,192 |
| Return on Equity (ROE) | 9.2723% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.0976% | 2,626 |
| Net charge-offs to loans | 1.3904% | 395 |
| Credit loss provision to net charge-offs | 98.7869% | 1,888 |
| Earnings coverage of net charge-offs (x) | 2.2281% | 3,096 |
| Efficiency ratio | 58.2566% | 5,816 |
| Assets per employee ($millions) | 3.7016% | 4,555 |
| Cash dividends to net income (ytd only)* | 34.2388% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6870% | 3,062 |
| Loan loss allowance to noncurrent loans | 65.0684% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 3.1464% | 1,397 |
| Noncurrent loans to loans | 2.5927% | 1,992 |
| Net loans and leases to total assets | 58.5651% | 3,681 |
| Net loans and leases to deposits | 72.7328% | 3,092 |
| Net loans and leases to core deposits | 79.8808% | 2,823 |
| Total domestic deposits to total assets | 80.5209% | 5,624 |
| Equity capital to assets | 9.4351% | 4,946 |
| Core capital (leverage) ratio | 9.0127% | 4,861 |
| Tier 1 risk-based capital ratio | 14.7556% | 3,993 |
| Total risk-based capital ratio | 16.0107% | 3,959 |
| Memoranda: | ||
| Average total assets | $3,994,199,000 | 207 |
| Average earning assets | $3,507,990,000 | 209 |
| Average equity | $377,984,500 | 238 |
| Average total loans | $2,395,318,000 | 212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 520 |
| Cost of funding earning assets | 0.7981% | 2,682 |
| Net interest margin | 4.7935% | 545 |
| Noninterest income to average assets | 1.1823% | 1,119 |
| Noninterest expense to average assets | 2.8747% | 3,741 |
| Loan and lease loss provision to assets | 1.1038% | 342 |
| Net operating income to assets | 1.1024% | 1,928 |
| Return on assets (ROA) | 1.2564% | 1,589 |
| Pretax return on assets | 1.5625% | 1,480 |
| Return on Equity (ROE) | 14.0520% | 979 |
| Retained earnings to average equity (ytd only) | 10.6746% | 479 |
| Net charge-offs to loans | 1.9246% | 390 |
| Credit loss provision to net charge-offs | 98.6883% | 3,142 |
| Earnings coverage of net charge-offs (x) | 2.2382% | 4,303 |
| Efficiency ratio | 52.8634% | 6,384 |
| Assets per employee ($millions) | 3.8385% | 4,292 |
| Cash dividends to net income (ytd only)* | 24.0356% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 2,921 |
| Loan loss allowance to noncurrent loans | 62.0501% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 3.3871% | 1,355 |
| Noncurrent loans to loans | 2.7443% | 1,927 |
| Net loans and leases to total assets | 59.3499% | 3,709 |
| Net loans and leases to deposits | 73.8388% | 3,115 |
| Net loans and leases to core deposits | 82.3831% | 2,729 |
| Total domestic deposits to total assets | 80.3776% | 5,575 |
| Equity capital to assets | 9.4921% | 4,888 |
| Core capital (leverage) ratio | 8.8896% | 5,055 |
| Tier 1 risk-based capital ratio | 14.6851% | 3,903 |
| Total risk-based capital ratio | 15.9405% | 3,859 |
| Memoranda: | ||
| Average total assets | $3,973,836,600 | 208 |
| Average earning assets | $3,478,306,800 | 208 |
| Average equity | $355,293,600 | 244 |
| Average total loans | $2,309,323,800 | 214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 683 |
| Cost of funding earning assets | 0.8447% | 2,590 |
| Net interest margin | 4.6494% | 744 |
| Noninterest income to average assets | 1.5844% | 594 |
| Noninterest expense to average assets | 2.8855% | 3,656 |
| Loan and lease loss provision to assets | 1.2089% | 298 |
| Net operating income to assets | 1.2052% | 1,717 |
| Return on assets (ROA) | 1.2441% | 1,762 |
| Pretax return on assets | 1.6138% | 1,525 |
| Return on Equity (ROE) | 14.1313% | 1,079 |
| Retained earnings to average equity (ytd only) | 10.7057% | 738 |
| Net charge-offs to loans | 2.1545% | 313 |
| Credit loss provision to net charge-offs | 97.5001% | 3,070 |
| Earnings coverage of net charge-offs (x) | 2.2359% | 4,145 |
| Efficiency ratio | 50.4412% | 6,554 |
| Assets per employee ($millions) | 3.6372% | 4,685 |
| Cash dividends to net income (ytd only)* | 24.2411% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 3,239 |
| Loan loss allowance to noncurrent loans | 54.9097% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.6235% | 1,377 |
| Noncurrent loans to loans | 3.0485% | 1,825 |
| Net loans and leases to total assets | 58.3277% | 4,077 |
| Net loans and leases to deposits | 72.1728% | 3,584 |
| Net loans and leases to core deposits | 78.9828% | 3,329 |
| Total domestic deposits to total assets | 80.8167% | 5,419 |
| Equity capital to assets | 9.0539% | 5,770 |
| Core capital (leverage) ratio | 8.4602% | 5,807 |
| Tier 1 risk-based capital ratio | 13.9050% | 4,605 |
| Total risk-based capital ratio | 15.1598% | 4,560 |
| Memoranda: | ||
| Average total assets | $3,978,892,000 | 208 |
| Average earning assets | $3,485,976,750 | 210 |
| Average equity | $350,296,500 | 249 |
| Average total loans | $2,289,876,000 | 215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 894 |
| Cost of funding earning assets | 0.8851% | 2,523 |
| Net interest margin | 4.4996% | 994 |
| Noninterest income to average assets | 2.2879% | 330 |
| Noninterest expense to average assets | 2.8691% | 3,749 |
| Loan and lease loss provision to assets | 1.4006% | 270 |
| Net operating income to assets | 1.4631% | 1,060 |
| Return on assets (ROA) | 1.5117% | 1,093 |
| Pretax return on assets | 2.0280% | 661 |
| Return on Equity (ROE) | 17.3393% | 597 |
| Retained earnings to average equity (ytd only) | 13.8566% | 360 |
| Net charge-offs to loans | 2.5049% | 282 |
| Credit loss provision to net charge-offs | 98.1907% | 2,824 |
| Earnings coverage of net charge-offs (x) | 2.3583% | 3,826 |
| Efficiency ratio | 45.5212% | 6,905 |
| Assets per employee ($millions) | 3.4897% | 5,013 |
| Cash dividends to net income (ytd only)* | 20.0857% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 3,173 |
| Loan loss allowance to noncurrent loans | 67.8327% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 3.2939% | 1,646 |
| Noncurrent loans to loans | 2.5250% | 2,389 |
| Net loans and leases to total assets | 55.4804% | 4,547 |
| Net loans and leases to deposits | 68.3578% | 4,143 |
| Net loans and leases to core deposits | 76.7689% | 3,685 |
| Total domestic deposits to total assets | 81.1617% | 5,410 |
| Equity capital to assets | 8.5592% | 6,154 |
| Core capital (leverage) ratio | 8.2170% | 6,028 |
| Tier 1 risk-based capital ratio | 14.0649% | 4,399 |
| Total risk-based capital ratio | 15.3204% | 4,360 |
| Memoranda: | ||
| Average total assets | $3,952,142,670 | 210 |
| Average earning assets | $3,465,121,670 | 207 |
| Average equity | $344,558,000 | 249 |
| Average total loans | $2,250,531,000 | 216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 1,010 |
| Cost of funding earning assets | 0.9239% | 2,487 |
| Net interest margin | 4.4257% | 1,172 |
| Noninterest income to average assets | 0.9114% | 1,699 |
| Noninterest expense to average assets | 2.8183% | 3,950 |
| Loan and lease loss provision to assets | 1.0546% | 385 |
| Net operating income to assets | 0.8192% | 3,303 |
| Return on assets (ROA) | 0.8218% | 3,524 |
| Pretax return on assets | 0.9238% | 3,955 |
| Return on Equity (ROE) | 9.3327% | 2,669 |
| Retained earnings to average equity (ytd only) | 5.7675% | 3,101 |
| Net charge-offs to loans | 1.7880% | 531 |
| Credit loss provision to net charge-offs | 103.0790% | 2,239 |
| Earnings coverage of net charge-offs (x) | 1.9309% | 3,366 |
| Efficiency ratio | 58.1452% | 5,896 |
| Assets per employee ($millions) | 3.2955% | 5,576 |
| Cash dividends to net income (ytd only)* | 38.2020% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 2,661 |
| Loan loss allowance to noncurrent loans | 62.0038% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 3.5097% | 1,635 |
| Noncurrent loans to loans | 3.0730% | 2,088 |
| Net loans and leases to total assets | 55.4546% | 4,476 |
| Net loans and leases to deposits | 68.9282% | 3,890 |
| Net loans and leases to core deposits | 79.6724% | 3,103 |
| Total domestic deposits to total assets | 80.4528% | 5,737 |
| Equity capital to assets | 8.8096% | 5,743 |
| Core capital (leverage) ratio | 8.3269% | 5,830 |
| Tier 1 risk-based capital ratio | 14.2016% | 4,318 |
| Total risk-based capital ratio | 15.4590% | 4,286 |
| Memoranda: | ||
| Average total assets | $3,822,199,000 | 214 |
| Average earning assets | $3,352,880,500 | 207 |
| Average equity | $336,578,500 | 248 |
| Average total loans | $2,187,009,500 | 222 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4161% | 208 |
| Cost of funding earning assets | 1.1132% | 2,587 |
| Net interest margin | 5.3029% | 240 |
| Noninterest income to average assets | 0.1127% | 6,584 |
| Noninterest expense to average assets | 2.7275% | 4,632 |
| Loan and lease loss provision to assets | 1.0074% | 937 |
| Net operating income to assets | 0.9011% | 2,596 |
| Return on assets (ROA) | 0.8979% | 2,747 |
| Pretax return on assets | 1.0696% | 2,956 |
| Return on Equity (ROE) | 10.2208% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.3268% | 1,839 |
| Net charge-offs to loans | 1.7703% | 841 |
| Credit loss provision to net charge-offs | 99.2835% | 3,601 |
| Earnings coverage of net charge-offs (x) | 2.0507% | 4,243 |
| Efficiency ratio | 56.1786% | 6,292 |
| Assets per employee ($millions) | 3.3498% | 5,380 |
| Cash dividends to net income (ytd only)* | 38.0989% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 2,634 |
| Loan loss allowance to noncurrent loans | 40.0813% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 4.4680% | 1,233 |
| Noncurrent loans to loans | 4.6881% | 1,259 |
| Net loans and leases to total assets | 56.8293% | 4,571 |
| Net loans and leases to deposits | 72.0996% | 3,775 |
| Net loans and leases to core deposits | 83.9692% | 2,898 |
| Total domestic deposits to total assets | 78.8206% | 6,030 |
| Equity capital to assets | 8.8021% | 5,793 |
| Core capital (leverage) ratio | 8.6424% | 5,326 |
| Tier 1 risk-based capital ratio | 14.0719% | 4,276 |
| Total risk-based capital ratio | 15.3292% | 4,219 |
| Memoranda: | ||
| Average total assets | $3,507,807,400 | 219 |
| Average earning assets | $3,106,051,400 | 215 |
| Average equity | $308,164,200 | 260 |
| Average total loans | $2,010,478,200 | 236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4907% | 197 |
| Cost of funding earning assets | 1.1546% | 2,607 |
| Net interest margin | 5.3361% | 231 |
| Noninterest income to average assets | -0.1824% | 7,257 |
| Noninterest expense to average assets | 2.5932% | 5,105 |
| Loan and lease loss provision to assets | 0.9747% | 897 |
| Net operating income to assets | 0.7405% | 3,428 |
| Return on assets (ROA) | 0.7429% | 3,585 |
| Pretax return on assets | 0.9914% | 3,433 |
| Return on Equity (ROE) | 8.4605% | 2,846 |
| Retained earnings to average equity (ytd only) | 4.4849% | 3,532 |
| Net charge-offs to loans | 1.7749% | 759 |
| Credit loss provision to net charge-offs | 96.0959% | 3,572 |
| Earnings coverage of net charge-offs (x) | 1.9352% | 4,199 |
| Efficiency ratio | 56.3842% | 6,227 |
| Assets per employee ($millions) | 3.4286% | 5,169 |
| Cash dividends to net income (ytd only)* | 46.9900% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 2,327 |
| Loan loss allowance to noncurrent loans | 55.0925% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.0173% | 1,527 |
| Noncurrent loans to loans | 3.6374% | 1,889 |
| Net loans and leases to total assets | 57.7151% | 4,553 |
| Net loans and leases to deposits | 74.8873% | 3,524 |
| Net loans and leases to core deposits | 87.9367% | 2,505 |
| Total domestic deposits to total assets | 77.0692% | 6,371 |
| Equity capital to assets | 9.4319% | 5,196 |
| Core capital (leverage) ratio | 9.0268% | 4,885 |
| Tier 1 risk-based capital ratio | 14.6680% | 3,853 |
| Total risk-based capital ratio | 15.9264% | 3,829 |
| Memoranda: | ||
| Average total assets | $3,437,589,250 | 222 |
| Average earning assets | $3,052,632,000 | 219 |
| Average equity | $301,834,750 | 264 |
| Average total loans | $1,964,519,500 | 238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4400% | 225 |
| Cost of funding earning assets | 1.1938% | 2,619 |
| Net interest margin | 5.2463% | 262 |
| Noninterest income to average assets | -0.1724% | 7,328 |
| Noninterest expense to average assets | 2.5592% | 5,328 |
| Loan and lease loss provision to assets | 0.9668% | 916 |
| Net operating income to assets | 0.7371% | 3,353 |
| Return on assets (ROA) | 0.7194% | 3,562 |
| Pretax return on assets | 0.9410% | 3,468 |
| Return on Equity (ROE) | 8.4004% | 2,769 |
| Retained earnings to average equity (ytd only) | 4.3278% | 3,442 |
| Net charge-offs to loans | 1.8118% | 767 |
| Credit loss provision to net charge-offs | 94.3282% | 3,331 |
| Earnings coverage of net charge-offs (x) | 1.8841% | 3,922 |
| Efficiency ratio | 56.4536% | 6,373 |
| Assets per employee ($millions) | 3.4120% | 5,171 |
| Cash dividends to net income (ytd only)* | 48.4809% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 2,193 |
| Loan loss allowance to noncurrent loans | 62.5201% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 3.9122% | 1,651 |
| Noncurrent loans to loans | 3.3038% | 2,163 |
| Net loans and leases to total assets | 56.2061% | 4,961 |
| Net loans and leases to deposits | 71.9679% | 4,118 |
| Net loans and leases to core deposits | 86.0045% | 2,904 |
| Total domestic deposits to total assets | 78.0988% | 6,270 |
| Equity capital to assets | 8.8247% | 5,789 |
| Core capital (leverage) ratio | 8.6272% | 5,351 |
| Tier 1 risk-based capital ratio | 14.3773% | 3,882 |
| Total risk-based capital ratio | 15.6368% | 3,849 |
| Memoranda: | ||
| Average total assets | $3,440,572,670 | 225 |
| Average earning assets | $3,057,749,000 | 223 |
| Average equity | $294,651,000 | 268 |
| Average total loans | $1,946,257,000 | 242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3947% | 246 |
| Cost of funding earning assets | 1.2409% | 2,563 |
| Net interest margin | 5.1538% | 277 |
| Noninterest income to average assets | -0.1479% | 7,404 |
| Noninterest expense to average assets | 2.5402% | 5,423 |
| Loan and lease loss provision to assets | 0.9499% | 827 |
| Net operating income to assets | 0.7177% | 3,439 |
| Return on assets (ROA) | 0.7177% | 3,501 |
| Pretax return on assets | 0.9514% | 3,311 |
| Return on Equity (ROE) | 8.5088% | 2,693 |
| Retained earnings to average equity (ytd only) | 4.3890% | 3,540 |
| Net charge-offs to loans | 1.6198% | 831 |
| Credit loss provision to net charge-offs | 104.4187% | 2,548 |
| Earnings coverage of net charge-offs (x) | 2.0900% | 3,252 |
| Efficiency ratio | 56.6455% | 6,430 |
| Assets per employee ($millions) | 3.5247% | 4,935 |
| Cash dividends to net income (ytd only)* | 48.4183% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1589% | 2,056 |
| Loan loss allowance to noncurrent loans | 58.2225% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 3.8155% | 1,764 |
| Noncurrent loans to loans | 3.7081% | 1,988 |
| Net loans and leases to total assets | 54.2233% | 5,273 |
| Net loans and leases to deposits | 69.6819% | 4,397 |
| Net loans and leases to core deposits | 85.6103% | 2,938 |
| Total domestic deposits to total assets | 77.8155% | 6,400 |
| Equity capital to assets | 8.3498% | 6,106 |
| Core capital (leverage) ratio | 8.1908% | 5,982 |
| Tier 1 risk-based capital ratio | 14.7138% | 3,602 |
| Total risk-based capital ratio | 15.9751% | 3,549 |
| Memoranda: | ||
| Average total assets | $3,453,141,000 | 223 |
| Average earning assets | $3,074,916,500 | 223 |
| Average equity | $291,275,500 | 266 |
| Average total loans | $1,939,300,500 | 242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 2,011 |
| Cost of funding earning assets | 1.5104% | 2,574 |
| Net interest margin | 4.0592% | 2,755 |
| Noninterest income to average assets | 0.6164% | 3,370 |
| Noninterest expense to average assets | 2.4807% | 5,860 |
| Loan and lease loss provision to assets | 1.0103% | 1,610 |
| Net operating income to assets | 0.5285% | 3,974 |
| Return on assets (ROA) | 0.7101% | 3,324 |
| Pretax return on assets | 0.9765% | 3,011 |
| Return on Equity (ROE) | 8.6642% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.5125% | 2,714 |
| Net charge-offs to loans | 1.6953% | 1,278 |
| Credit loss provision to net charge-offs | 104.0474% | 4,321 |
| Earnings coverage of net charge-offs (x) | 1.7900% | 4,375 |
| Efficiency ratio | 58.2279% | 6,314 |
| Assets per employee ($millions) | 3.3929% | 5,190 |
| Cash dividends to net income (ytd only)* | 47.9176% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1375% | 1,984 |
| Loan loss allowance to noncurrent loans | 58.0538% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.8538% | 1,778 |
| Noncurrent loans to loans | 3.6820% | 2,021 |
| Net loans and leases to total assets | 55.7033% | 5,386 |
| Net loans and leases to deposits | 71.9175% | 4,534 |
| Net loans and leases to core deposits | 87.2223% | 3,150 |
| Total domestic deposits to total assets | 77.4545% | 6,410 |
| Equity capital to assets | 8.5225% | 5,822 |
| Core capital (leverage) ratio | 8.2838% | 5,706 |
| Tier 1 risk-based capital ratio | 14.5808% | 3,492 |
| Total risk-based capital ratio | 15.8419% | 3,445 |
| Memoranda: | ||
| Average total assets | $3,526,843,600 | 220 |
| Average earning assets | $3,129,902,600 | 219 |
| Average equity | $289,041,400 | 263 |
| Average total loans | $2,019,929,600 | 241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 4,092 |
| Cost of funding earning assets | 1.5457% | 2,698 |
| Net interest margin | 3.6012% | 4,870 |
| Noninterest income to average assets | 0.9240% | 1,715 |
| Noninterest expense to average assets | 2.3922% | 6,055 |
| Loan and lease loss provision to assets | 1.0611% | 1,386 |
| Net operating income to assets | 0.4602% | 4,489 |
| Return on assets (ROA) | 0.6906% | 3,617 |
| Pretax return on assets | 1.0001% | 3,183 |
| Return on Equity (ROE) | 8.5083% | 2,683 |
| Retained earnings to average equity (ytd only) | 4.3512% | 3,431 |
| Net charge-offs to loans | 1.8476% | 1,041 |
| Credit loss provision to net charge-offs | 100.1274% | 4,301 |
| Earnings coverage of net charge-offs (x) | 1.6300% | 4,494 |
| Efficiency ratio | 57.4892% | 6,346 |
| Assets per employee ($millions) | 3.5165% | 4,941 |
| Cash dividends to net income (ytd only)* | 48.8599% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 2,113 |
| Loan loss allowance to noncurrent loans | 58.5734% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 3.4939% | 2,043 |
| Noncurrent loans to loans | 3.4900% | 2,273 |
| Net loans and leases to total assets | 56.5628% | 5,474 |
| Net loans and leases to deposits | 73.3077% | 4,638 |
| Net loans and leases to core deposits | 89.7305% | 3,137 |
| Total domestic deposits to total assets | 77.1581% | 6,449 |
| Equity capital to assets | 8.5885% | 6,173 |
| Core capital (leverage) ratio | 8.1358% | 6,142 |
| Tier 1 risk-based capital ratio | 14.1201% | 3,745 |
| Total risk-based capital ratio | 15.3799% | 3,717 |
| Memoranda: | ||
| Average total assets | $3,556,098,000 | 216 |
| Average earning assets | $3,155,413,750 | 216 |
| Average equity | $288,651,000 | 260 |
| Average total loans | $2,039,693,750 | 234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 4,939 |
| Cost of funding earning assets | 1.5869% | 2,733 |
| Net interest margin | 3.4130% | 5,590 |
| Noninterest income to average assets | 1.0671% | 1,175 |
| Noninterest expense to average assets | 2.3620% | 6,180 |
| Loan and lease loss provision to assets | 0.9701% | 1,501 |
| Net operating income to assets | 0.5305% | 4,194 |
| Return on assets (ROA) | 0.6630% | 3,715 |
| Pretax return on assets | 0.9546% | 3,293 |
| Return on Equity (ROE) | 8.3201% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.1465% | 3,432 |
| Net charge-offs to loans | 1.6528% | 1,145 |
| Credit loss provision to net charge-offs | 102.5431% | 3,978 |
| Earnings coverage of net charge-offs (x) | 1.8315% | 4,149 |
| Efficiency ratio | 57.1034% | 6,499 |
| Assets per employee ($millions) | 3.5333% | 4,833 |
| Cash dividends to net income (ytd only)* | 50.1630% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 2,095 |
| Loan loss allowance to noncurrent loans | 63.3439% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 3.3410% | 2,106 |
| Noncurrent loans to loans | 3.2199% | 2,486 |
| Net loans and leases to total assets | 55.8274% | 5,730 |
| Net loans and leases to deposits | 73.3772% | 4,775 |
| Net loans and leases to core deposits | 95.9458% | 2,443 |
| Total domestic deposits to total assets | 76.0827% | 6,675 |
| Equity capital to assets | 8.3308% | 6,385 |
| Core capital (leverage) ratio | 7.6224% | 6,705 |
| Tier 1 risk-based capital ratio | 13.7116% | 3,929 |
| Total risk-based capital ratio | 14.9712% | 3,884 |
| Memoranda: | ||
| Average total assets | $3,607,988,330 | 216 |
| Average earning assets | $3,200,387,330 | 213 |
| Average equity | $287,519,330 | 260 |
| Average total loans | $2,065,086,670 | 232 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 5,402 |
| Cost of funding earning assets | 1.5995% | 2,963 |
| Net interest margin | 3.3117% | 5,924 |
| Noninterest income to average assets | 0.8626% | 1,758 |
| Noninterest expense to average assets | 2.3019% | 6,369 |
| Loan and lease loss provision to assets | 0.5997% | 2,117 |
| Net operating income to assets | 0.6310% | 3,754 |
| Return on assets (ROA) | 0.6310% | 3,879 |
| Pretax return on assets | 0.9066% | 3,445 |
| Return on Equity (ROE) | 8.0932% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.8976% | 3,801 |
| Net charge-offs to loans | 0.9563% | 1,699 |
| Credit loss provision to net charge-offs | 109.3439% | 3,149 |
| Earnings coverage of net charge-offs (x) | 2.7463% | 3,173 |
| Efficiency ratio | 59.8041% | 6,211 |
| Assets per employee ($millions) | 3.8071% | 4,290 |
| Cash dividends to net income (ytd only)* | 51.8403% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 2,297 |
| Loan loss allowance to noncurrent loans | 49.0124% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 3.7491% | 1,857 |
| Noncurrent loans to loans | 3.9867% | 1,965 |
| Net loans and leases to total assets | 55.0708% | 5,879 |
| Net loans and leases to deposits | 71.6532% | 5,100 |
| Net loans and leases to core deposits | 100.7265% | 2,055 |
| Total domestic deposits to total assets | 76.8574% | 6,588 |
| Equity capital to assets | 7.7623% | 6,877 |
| Core capital (leverage) ratio | 7.3778% | 6,958 |
| Tier 1 risk-based capital ratio | 12.9498% | 4,373 |
| Total risk-based capital ratio | 14.1925% | 4,354 |
| Memoranda: | ||
| Average total assets | $3,668,319,000 | 215 |
| Average earning assets | $3,262,717,000 | 214 |
| Average equity | $286,018,500 | 266 |
| Average total loans | $2,103,921,000 | 239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2277% | 5,521 |
| Cost of funding earning assets | 2.1970% | 2,050 |
| Net interest margin | 3.0307% | 6,560 |
| Noninterest income to average assets | 3.6612% | 186 |
| Noninterest expense to average assets | 2.2809% | 6,801 |
| Loan and lease loss provision to assets | 1.0678% | 2,145 |
| Net operating income to assets | 2.0087% | 228 |
| Return on assets (ROA) | 1.9893% | 247 |
| Pretax return on assets | 2.9917% | 99 |
| Return on Equity (ROE) | 26.7789% | 74 |
| Retained earnings to average equity (ytd only) | 22.0610% | 30 |
| Net charge-offs to loans | 1.2578% | 1,966 |
| Credit loss provision to net charge-offs | 143.9949% | 3,323 |
| Earnings coverage of net charge-offs (x) | 5.5139% | 2,576 |
| Efficiency ratio | 35.5292% | 7,902 |
| Assets per employee ($millions) | 3.7181% | 4,479 |
| Cash dividends to net income (ytd only)* | 17.6180% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 2,306 |
| Loan loss allowance to noncurrent loans | 52.2332% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.2331% | 2,122 |
| Noncurrent loans to loans | 3.6018% | 2,099 |
| Net loans and leases to total assets | 57.4561% | 5,746 |
| Net loans and leases to deposits | 75.7775% | 4,779 |
| Net loans and leases to core deposits | 95.2547% | 4,542 |
| Total domestic deposits to total assets | 75.8221% | 6,712 |
| Equity capital to assets | 7.8322% | 6,735 |
| Core capital (leverage) ratio | 7.3519% | 6,933 |
| Tier 1 risk-based capital ratio | 12.9183% | 4,196 |
| Total risk-based capital ratio | 14.1768% | 4,140 |
| Memoranda: | ||
| Average total assets | $3,352,598,600 | 231 |
| Average earning assets | $2,996,400,200 | 229 |
| Average equity | $249,050,600 | 288 |
| Average total loans | $1,976,639,600 | 263 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 5,835 |
| Cost of funding earning assets | 2.2929% | 2,007 |
| Net interest margin | 2.9185% | 6,809 |
| Noninterest income to average assets | 3.9754% | 171 |
| Noninterest expense to average assets | 2.2371% | 6,882 |
| Loan and lease loss provision to assets | 1.1501% | 1,689 |
| Net operating income to assets | 2.1228% | 224 |
| Return on assets (ROA) | 2.0877% | 266 |
| Pretax return on assets | 3.1471% | 97 |
| Return on Equity (ROE) | 28.5334% | 72 |
| Retained earnings to average equity (ytd only) | 23.6732% | 35 |
| Net charge-offs to loans | 1.3735% | 1,498 |
| Credit loss provision to net charge-offs | 141.7623% | 3,457 |
| Earnings coverage of net charge-offs (x) | 5.3623% | 2,845 |
| Efficiency ratio | 33.7327% | 7,988 |
| Assets per employee ($millions) | 4.1525% | 3,457 |
| Cash dividends to net income (ytd only)* | 17.0333% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,212 |
| Loan loss allowance to noncurrent loans | 59.8720% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.9323% | 2,361 |
| Noncurrent loans to loans | 3.0440% | 2,489 |
| Net loans and leases to total assets | 55.8694% | 6,154 |
| Net loans and leases to deposits | 74.6503% | 5,274 |
| Net loans and leases to core deposits | 95.6567% | 4,847 |
| Total domestic deposits to total assets | 74.8415% | 6,802 |
| Equity capital to assets | 7.3075% | 7,423 |
| Core capital (leverage) ratio | 7.7575% | 6,657 |
| Tier 1 risk-based capital ratio | 12.4853% | 4,551 |
| Total risk-based capital ratio | 13.7428% | 4,501 |
| Memoranda: | ||
| Average total assets | $3,280,751,500 | 244 |
| Average earning assets | $2,936,444,000 | 241 |
| Average equity | $240,040,250 | 305 |
| Average total loans | $1,937,925,500 | 286 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 5,558 |
| Cost of funding earning assets | 2.4699% | 1,715 |
| Net interest margin | 2.8495% | 6,915 |
| Noninterest income to average assets | 2.9047% | 224 |
| Noninterest expense to average assets | 2.2411% | 6,945 |
| Loan and lease loss provision to assets | 0.7533% | 2,183 |
| Net operating income to assets | 1.6404% | 630 |
| Return on assets (ROA) | 1.5023% | 889 |
| Pretax return on assets | 2.2593% | 316 |
| Return on Equity (ROE) | 20.5229% | 303 |
| Retained earnings to average equity (ytd only) | 15.5082% | 183 |
| Net charge-offs to loans | 1.0111% | 1,752 |
| Credit loss provision to net charge-offs | 124.3283% | 3,743 |
| Earnings coverage of net charge-offs (x) | 5.3171% | 2,858 |
| Efficiency ratio | 40.7987% | 8,004 |
| Assets per employee ($millions) | 3.7745% | 4,167 |
| Cash dividends to net income (ytd only)* | 24.4348% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 2,352 |
| Loan loss allowance to noncurrent loans | 226.0417% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.6917% | 3,643 |
| Noncurrent loans to loans | 0.7519% | 5,734 |
| Net loans and leases to total assets | 56.5744% | 6,143 |
| Net loans and leases to deposits | 75.5773% | 5,232 |
| Net loans and leases to core deposits | 102.5774% | 4,221 |
| Total domestic deposits to total assets | 74.8564% | 6,789 |
| Equity capital to assets | 7.3027% | 7,412 |
| Core capital (leverage) ratio | 6.9064% | 7,596 |
| Tier 1 risk-based capital ratio | 11.8620% | 5,030 |
| Total risk-based capital ratio | 13.1171% | 4,948 |
| Memoranda: | ||
| Average total assets | $3,132,750,000 | 255 |
| Average earning assets | $2,812,384,330 | 255 |
| Average equity | $229,324,330 | 321 |
| Average total loans | $1,877,357,670 | 297 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 6,827 |
| Cost of funding earning assets | 2.4157% | 2,228 |
| Net interest margin | 2.6257% | 7,328 |
| Noninterest income to average assets | 4.6017% | 143 |
| Noninterest expense to average assets | 2.1051% | 7,104 |
| Loan and lease loss provision to assets | 0.6595% | 1,920 |
| Net operating income to assets | 2.8265% | 82 |
| Return on assets (ROA) | 2.5215% | 156 |
| Pretax return on assets | 3.7464% | 66 |
| Return on Equity (ROE) | 34.4000% | 64 |
| Retained earnings to average equity (ytd only) | 29.4516% | 55 |
| Net charge-offs to loans | 0.8605% | 1,516 |
| Credit loss provision to net charge-offs | 125.1564% | 3,171 |
| Earnings coverage of net charge-offs (x) | 9.2255% | 2,083 |
| Efficiency ratio | 30.1348% | 8,152 |
| Assets per employee ($millions) | 4.3804% | 2,919 |
| Cash dividends to net income (ytd only)* | 14.3851% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 2,777 |
| Loan loss allowance to noncurrent loans | 125.0124% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 3,098 |
| Noncurrent loans to loans | 1.2293% | 4,513 |
| Net loans and leases to total assets | 56.7171% | 6,139 |
| Net loans and leases to deposits | 77.3109% | 5,040 |
| Net loans and leases to core deposits | 107.7806% | 3,713 |
| Total domestic deposits to total assets | 73.3624% | 6,992 |
| Equity capital to assets | 7.0632% | 7,651 |
| Core capital (leverage) ratio | 8.1882% | 6,131 |
| Tier 1 risk-based capital ratio | 11.6929% | 5,213 |
| Total risk-based capital ratio | 12.9464% | 5,131 |
| Memoranda: | ||
| Average total assets | $3,032,679,500 | 265 |
| Average earning assets | $2,730,977,000 | 262 |
| Average equity | $222,290,500 | 334 |
| Average total loans | $1,856,954,000 | 302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2832% | 4,056 |
| Cost of funding earning assets | 3.0986% | 1,511 |
| Net interest margin | 3.1846% | 6,407 |
| Noninterest income to average assets | 1.3313% | 815 |
| Noninterest expense to average assets | 2.1274% | 7,166 |
| Loan and lease loss provision to assets | 0.8958% | 1,666 |
| Net operating income to assets | 0.8446% | 3,244 |
| Return on assets (ROA) | 0.6910% | 3,765 |
| Pretax return on assets | 1.0064% | 3,362 |
| Return on Equity (ROE) | 8.4484% | 2,869 |
| Retained earnings to average equity (ytd only) | -10.9197% | 7,157 |
| Net charge-offs to loans | 1.0408% | 1,182 |
| Credit loss provision to net charge-offs | 119.5803% | 4,497 |
| Earnings coverage of net charge-offs (x) | 2.8364% | 4,655 |
| Efficiency ratio | 49.8226% | 7,676 |
| Assets per employee ($millions) | 3.9722% | 3,580 |
| Cash dividends to net income (ytd only)* | 229.2526% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 2,012 |
| Loan loss allowance to noncurrent loans | 87.8351% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.4503% | 1,980 |
| Noncurrent loans to loans | 1.8963% | 2,912 |
| Net loans and leases to total assets | 64.7881% | 5,107 |
| Net loans and leases to deposits | 87.4311% | 3,876 |
| Net loans and leases to core deposits | 146.1717% | 1,013 |
| Total domestic deposits to total assets | 74.1020% | 6,642 |
| Equity capital to assets | 7.6718% | 7,237 |
| Core capital (leverage) ratio | 7.7574% | 6,856 |
| Tier 1 risk-based capital ratio | 10.6818% | 6,016 |
| Total risk-based capital ratio | 11.9354% | 5,923 |
| Memoranda: | ||
| Average total assets | $2,525,089,200 | 300 |
| Average earning assets | $2,316,161,400 | 295 |
| Average equity | $206,525,400 | 364 |
| Average total loans | $1,817,554,800 | 299 |