Home > Hancock Whitney Bank > Performance and Condition Ratios
Hancock Whitney Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 3,046 |
| Cost of funding earning assets | 1.5641% | 3,048 |
| Net interest margin | 3.4759% | 2,373 |
| Noninterest income to average assets | 1.0300% | 552 |
| Noninterest expense to average assets | 2.2886% | 2,871 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 1.4000% | 1,259 |
| Return on assets (ROA) | 1.4000% | 1,260 |
| Pretax return on assets | 1.7494% | 1,028 |
| Return on Equity (ROE) | 12.0000% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.1058% | 2,245 |
| Net charge-offs to loans | 0.1765% | 578 |
| Credit loss provision to net charge-offs | 92.5442% | 1,324 |
| Earnings coverage of net charge-offs (x) | 15.9161% | 1,513 |
| Efficiency ratio | 54.4605% | 3,555 |
| Assets per employee ($millions) | 9.9320% | 819 |
| Cash dividends to net income (ytd only)* | 49.1199% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,384 |
| Loan loss allowance to noncurrent loans | 265.5262% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 1,672 |
| Noncurrent loans to loans | 0.5181% | 1,826 |
| Net loans and leases to total assets | 65.6600% | 2,320 |
| Net loans and leases to deposits | 77.3822% | 2,284 |
| Net loans and leases to core deposits | 81.9955% | 2,570 |
| Total domestic deposits to total assets | 84.8600% | 2,661 |
| Equity capital to assets | 11.9433% | 1,255 |
| Core capital (leverage) ratio | 11.1777% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2676% | 1,433 |
| Memoranda: | ||
| Average total assets | $34,899,926,000 | 64 |
| Average earning assets | $31,374,836,500 | 62 |
| Average equity | $4,071,562,000 | 59 |
| Average total loans | $23,222,862,000 | 61 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3504% | 2,429 |
| Cost of funding earning assets | 1.8966% | 2,470 |
| Net interest margin | 3.4538% | 2,163 |
| Noninterest income to average assets | 1.0000% | 617 |
| Noninterest expense to average assets | 2.2831% | 2,908 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.3377% | 1,201 |
| Return on assets (ROA) | 1.3377% | 1,198 |
| Pretax return on assets | 1.6667% | 1,028 |
| Return on Equity (ROE) | 12.2200% | 1,560 |
| Retained earnings to average equity (ytd only) | 6.9152% | 1,455 |
| Net charge-offs to loans | 0.1939% | 722 |
| Credit loss provision to net charge-offs | 123.8443% | 1,626 |
| Earnings coverage of net charge-offs (x) | 13.9137% | 2,088 |
| Efficiency ratio | 55.0662% | 3,645 |
| Assets per employee ($millions) | 10.0885% | 763 |
| Cash dividends to net income (ytd only)* | 43.4162% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,406 |
| Loan loss allowance to noncurrent loans | 267.5476% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,657 |
| Noncurrent loans to loans | 0.5111% | 1,796 |
| Net loans and leases to total assets | 65.5900% | 2,413 |
| Net loans and leases to deposits | 77.2448% | 2,345 |
| Net loans and leases to core deposits | 82.0282% | 2,626 |
| Total domestic deposits to total assets | 84.9200% | 2,560 |
| Equity capital to assets | 11.3921% | 1,425 |
| Core capital (leverage) ratio | 10.9125% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8314% | 1,561 |
| Memoranda: | ||
| Average total assets | $35,296,887,800 | 62 |
| Average earning assets | $31,642,202,200 | 62 |
| Average equity | $3,863,552,400 | 57 |
| Average total loans | $23,735,154,600 | 58 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 2,302 |
| Cost of funding earning assets | 1.9447% | 2,346 |
| Net interest margin | 3.4361% | 2,163 |
| Noninterest income to average assets | 1.0000% | 593 |
| Noninterest expense to average assets | 2.2887% | 2,836 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.3063% | 1,299 |
| Return on assets (ROA) | 1.3063% | 1,296 |
| Pretax return on assets | 1.6342% | 1,113 |
| Return on Equity (ROE) | 12.0600% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.8353% | 1,800 |
| Net charge-offs to loans | 0.1918% | 609 |
| Credit loss provision to net charge-offs | 127.3067% | 1,438 |
| Earnings coverage of net charge-offs (x) | 13.8106% | 1,978 |
| Efficiency ratio | 55.5007% | 3,596 |
| Assets per employee ($millions) | 10.1835% | 724 |
| Cash dividends to net income (ytd only)* | 43.3045% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,515 |
| Loan loss allowance to noncurrent loans | 357.1585% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 1,893 |
| Noncurrent loans to loans | 0.3783% | 2,142 |
| Net loans and leases to total assets | 65.7800% | 2,343 |
| Net loans and leases to deposits | 79.2025% | 2,257 |
| Net loans and leases to core deposits | 85.1633% | 2,484 |
| Total domestic deposits to total assets | 83.0500% | 2,832 |
| Equity capital to assets | 11.5144% | 1,475 |
| Core capital (leverage) ratio | 10.6868% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5198% | 1,696 |
| Memoranda: | ||
| Average total assets | $35,354,233,750 | 66 |
| Average earning assets | $31,684,455,500 | 65 |
| Average equity | $3,830,708,750 | 58 |
| Average total loans | $23,838,699,000 | 61 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 2,235 |
| Cost of funding earning assets | 1.9383% | 2,267 |
| Net interest margin | 3.4207% | 2,124 |
| Noninterest income to average assets | 0.9700% | 628 |
| Noninterest expense to average assets | 2.2980% | 2,806 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2893% | 1,280 |
| Return on assets (ROA) | 1.2893% | 1,293 |
| Pretax return on assets | 1.6086% | 1,114 |
| Return on Equity (ROE) | 12.1500% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.0927% | 1,627 |
| Net charge-offs to loans | 0.1358% | 729 |
| Credit loss provision to net charge-offs | 150.6671% | 1,213 |
| Earnings coverage of net charge-offs (x) | 18.8387% | 1,665 |
| Efficiency ratio | 56.3464% | 3,547 |
| Assets per employee ($millions) | 9.9950% | 728 |
| Cash dividends to net income (ytd only)* | 41.6296% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 1,652 |
| Loan loss allowance to noncurrent loans | 342.4406% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 2,097 |
| Noncurrent loans to loans | 0.3857% | 2,034 |
| Net loans and leases to total assets | 66.7500% | 2,265 |
| Net loans and leases to deposits | 80.1931% | 2,196 |
| Net loans and leases to core deposits | 86.1225% | 2,402 |
| Total domestic deposits to total assets | 83.2300% | 2,815 |
| Equity capital to assets | 10.7625% | 1,679 |
| Core capital (leverage) ratio | 10.4013% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0033% | 1,886 |
| Memoranda: | ||
| Average total assets | $35,400,825,667 | 64 |
| Average earning assets | $31,693,391,000 | 64 |
| Average equity | $3,756,034,000 | 60 |
| Average total loans | $23,958,193,000 | 59 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 2,156 |
| Cost of funding earning assets | 1.9276% | 2,182 |
| Net interest margin | 3.3927% | 2,118 |
| Noninterest income to average assets | 0.9500% | 606 |
| Noninterest expense to average assets | 2.3018% | 2,793 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.2534% | 1,319 |
| Return on assets (ROA) | 1.2534% | 1,332 |
| Pretax return on assets | 1.5400% | 1,195 |
| Return on Equity (ROE) | 11.9000% | 1,591 |
| Retained earnings to average equity (ytd only) | 7.0724% | 1,811 |
| Net charge-offs to loans | 0.1499% | 557 |
| Credit loss provision to net charge-offs | 164.7996% | 897 |
| Earnings coverage of net charge-offs (x) | 16.6233% | 1,427 |
| Efficiency ratio | 56.9978% | 3,519 |
| Assets per employee ($millions) | 9.8850% | 767 |
| Cash dividends to net income (ytd only)* | 40.5621% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,719 |
| Loan loss allowance to noncurrent loans | 348.5070% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 2,053 |
| Noncurrent loans to loans | 0.3753% | 2,003 |
| Net loans and leases to total assets | 67.2000% | 2,101 |
| Net loans and leases to deposits | 78.8275% | 2,156 |
| Net loans and leases to core deposits | 85.0635% | 2,373 |
| Total domestic deposits to total assets | 85.2500% | 2,341 |
| Equity capital to assets | 10.6338% | 1,668 |
| Core capital (leverage) ratio | 10.1875% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3854% | 2,117 |
| Memoranda: | ||
| Average total assets | $35,405,020,500 | 63 |
| Average earning assets | $31,703,716,500 | 64 |
| Average equity | $3,729,495,000 | 59 |
| Average total loans | $23,967,802,500 | 59 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 2,051 |
| Cost of funding earning assets | 1.5828% | 1,736 |
| Net interest margin | 3.4271% | 2,347 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.2683% | 2,930 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.2622% | 1,517 |
| Return on assets (ROA) | 1.1175% | 1,842 |
| Pretax return on assets | 1.3953% | 1,646 |
| Return on Equity (ROE) | 11.5400% | 2,077 |
| Retained earnings to average equity (ytd only) | 6.2552% | 2,152 |
| Net charge-offs to loans | 0.2678% | 401 |
| Credit loss provision to net charge-offs | 100.1861% | 1,834 |
| Earnings coverage of net charge-offs (x) | 9.9182% | 2,261 |
| Efficiency ratio | 55.7958% | 3,520 |
| Assets per employee ($millions) | 9.9054% | 725 |
| Cash dividends to net income (ytd only)* | 45.8013% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 1,842 |
| Loan loss allowance to noncurrent loans | 448.5498% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,213 |
| Noncurrent loans to loans | 0.2866% | 2,150 |
| Net loans and leases to total assets | 66.4400% | 2,206 |
| Net loans and leases to deposits | 78.9352% | 2,195 |
| Net loans and leases to core deposits | 85.2700% | 2,354 |
| Total domestic deposits to total assets | 84.1700% | 2,573 |
| Equity capital to assets | 10.4348% | 1,761 |
| Core capital (leverage) ratio | 9.8558% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0399% | 2,232 |
| Memoranda: | ||
| Average total assets | $36,144,088,800 | 63 |
| Average earning assets | $32,345,761,800 | 62 |
| Average equity | $3,499,796,800 | 59 |
| Average total loans | $23,672,472,600 | 55 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 2,059 |
| Cost of funding earning assets | 1.4669% | 1,690 |
| Net interest margin | 3.4330% | 2,384 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.1877% | 3,113 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.2870% | 1,572 |
| Return on assets (ROA) | 1.2870% | 1,560 |
| Pretax return on assets | 1.6114% | 1,330 |
| Return on Equity (ROE) | 13.5500% | 1,780 |
| Retained earnings to average equity (ytd only) | 8.1339% | 1,914 |
| Net charge-offs to loans | 0.2674% | 330 |
| Credit loss provision to net charge-offs | 96.8360% | 1,649 |
| Earnings coverage of net charge-offs (x) | 10.1527% | 2,139 |
| Efficiency ratio | 54.5042% | 3,549 |
| Assets per employee ($millions) | 9.8542% | 701 |
| Cash dividends to net income (ytd only)* | 39.9702% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 1,980 |
| Loan loss allowance to noncurrent loans | 362.4617% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,031 |
| Noncurrent loans to loans | 0.3521% | 1,963 |
| Net loans and leases to total assets | 65.3200% | 2,309 |
| Net loans and leases to deposits | 77.6029% | 2,280 |
| Net loans and leases to core deposits | 85.3660% | 2,223 |
| Total domestic deposits to total assets | 84.1700% | 2,725 |
| Equity capital to assets | 9.4565% | 2,123 |
| Core capital (leverage) ratio | 9.8190% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8210% | 2,337 |
| Memoranda: | ||
| Average total assets | $36,285,098,000 | 62 |
| Average earning assets | $32,481,519,250 | 63 |
| Average equity | $3,446,566,500 | 62 |
| Average total loans | $23,603,562,500 | 56 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 876,843.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3,152,750.0000% | 3 |
| Cost of funding earning assets | 13,653.0000% | 2 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 1.0000% | 65 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.3769% | 1,369 |
| Pretax return on assets | 1.7252% | 1,158 |
| Return on Equity (ROE) | 14.4700% | 1,582 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0242% | 1,398 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,145 |
| Efficiency ratio | 3.2317% | 4,619 |
| Assets per employee ($millions) | 0.1825% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0033% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 341,977.0000% | 1 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 518.0000% | 2 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,549 |
| Total domestic deposits to total assets | 11.0000% | 4,567 |
| Equity capital to assets | 630.0000% | 43 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $322,000 | 4,661 |
| Average earning assets | $5,335 | 4,627 |
| Average equity | $9 | 4,597 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 2,149 |
| Cost of funding earning assets | 1.0410% | 1,913 |
| Net interest margin | 3.5290% | 2,289 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.1638% | 3,216 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4188% | 1,356 |
| Return on assets (ROA) | 1.4188% | 1,329 |
| Pretax return on assets | 1.7786% | 1,113 |
| Return on Equity (ROE) | 15.0600% | 1,542 |
| Retained earnings to average equity (ytd only) | 9.2162% | 1,883 |
| Net charge-offs to loans | 0.0982% | 604 |
| Credit loss provision to net charge-offs | 127.9070% | 1,011 |
| Earnings coverage of net charge-offs (x) | 29.3077% | 1,315 |
| Efficiency ratio | 53.1237% | 3,695 |
| Assets per employee ($millions) | 10.1997% | 658 |
| Cash dividends to net income (ytd only)* | 38.7889% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 1,948 |
| Loan loss allowance to noncurrent loans | 458.3549% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,228 |
| Noncurrent loans to loans | 0.2881% | 2,114 |
| Net loans and leases to total assets | 61.6100% | 2,501 |
| Net loans and leases to deposits | 77.6453% | 1,991 |
| Net loans and leases to core deposits | 81.8518% | 2,128 |
| Total domestic deposits to total assets | 79.3500% | 3,856 |
| Equity capital to assets | 9.3441% | 2,262 |
| Core capital (leverage) ratio | 9.5683% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5416% | 2,560 |
| Memoranda: | ||
| Average total assets | $36,341,513,500 | 65 |
| Average earning assets | $32,612,531,000 | 65 |
| Average equity | $3,424,553,500 | 64 |
| Average total loans | $23,284,423,500 | 58 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 2,869 |
| Cost of funding earning assets | 0.2393% | 3,420 |
| Net interest margin | 3.3355% | 2,468 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.0642% | 3,405 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.5102% | 861 |
| Return on assets (ROA) | 1.5100% | 830 |
| Pretax return on assets | 1.8976% | 591 |
| Return on Equity (ROE) | 15.6000% | 1,122 |
| Retained earnings to average equity (ytd only) | 10.3539% | 1,055 |
| Net charge-offs to loans | 0.0086% | 2,069 |
| Credit loss provision to net charge-offs | -1,702.1030% | 4,679 |
| Earnings coverage of net charge-offs (x) | 338.5636% | 448 |
| Efficiency ratio | 52.1543% | 3,967 |
| Assets per employee ($millions) | 9.6935% | 743 |
| Cash dividends to net income (ytd only)* | 33.6484% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,756 |
| Loan loss allowance to noncurrent loans | 706.3431% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 2,618 |
| Noncurrent loans to loans | 0.1883% | 2,546 |
| Net loans and leases to total assets | 64.9400% | 2,147 |
| Net loans and leases to deposits | 78.1671% | 1,927 |
| Net loans and leases to core deposits | 79.6550% | 2,158 |
| Total domestic deposits to total assets | 83.0800% | 3,402 |
| Equity capital to assets | 9.5077% | 2,004 |
| Core capital (leverage) ratio | 9.5421% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3852% | 2,617 |
| Memoranda: | ||
| Average total assets | $35,426,413,000 | 68 |
| Average earning assets | $31,807,762,000 | 68 |
| Average equity | $3,428,102,800 | 65 |
| Average total loans | $22,052,431,400 | 63 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 3,155 |
| Cost of funding earning assets | 0.1199% | 4,127 |
| Net interest margin | 3.1891% | 2,657 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.0448% | 3,369 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.4542% | 942 |
| Return on assets (ROA) | 1.4540% | 922 |
| Pretax return on assets | 1.8334% | 684 |
| Return on Equity (ROE) | 14.9600% | 1,184 |
| Retained earnings to average equity (ytd only) | 9.9360% | 1,358 |
| Net charge-offs to loans | 0.0057% | 1,962 |
| Credit loss provision to net charge-offs | -3,769.6448% | 4,748 |
| Earnings coverage of net charge-offs (x) | 492.2142% | 317 |
| Efficiency ratio | 53.2723% | 3,887 |
| Assets per employee ($millions) | 9.5756% | 740 |
| Cash dividends to net income (ytd only)* | 33.5867% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,792 |
| Loan loss allowance to noncurrent loans | 721.8525% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 2,708 |
| Noncurrent loans to loans | 0.1875% | 2,652 |
| Net loans and leases to total assets | 64.6000% | 2,026 |
| Net loans and leases to deposits | 76.7715% | 1,812 |
| Net loans and leases to core deposits | 77.5962% | 2,068 |
| Total domestic deposits to total assets | 84.1500% | 3,469 |
| Equity capital to assets | 9.2771% | 2,028 |
| Core capital (leverage) ratio | 9.3488% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1603% | 2,769 |
| Memoranda: | ||
| Average total assets | $35,493,475,750 | 69 |
| Average earning assets | $31,887,498,000 | 69 |
| Average equity | $3,449,442,750 | 66 |
| Average total loans | $21,780,413,750 | 64 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0499% | 3,430 |
| Cost of funding earning assets | 0.0744% | 4,428 |
| Net interest margin | 2.9755% | 2,955 |
| Noninterest income to average assets | 0.8731% | 897 |
| Noninterest expense to average assets | 1.9801% | 3,486 |
| Loan and lease loss provision to assets | -0.1803% | 4,670 |
| Net operating income to assets | 1.3862% | 937 |
| Return on assets (ROA) | 1.3858% | 914 |
| Pretax return on assets | 1.7517% | 674 |
| Return on Equity (ROE) | 14.0540% | 1,102 |
| Retained earnings to average equity (ytd only) | 9.5230% | 1,134 |
| Net charge-offs to loans | -0.0034% | 3,233 |
| Credit loss provision to net charge-offs | 9,334.3324% | 58 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5934% | 3,910 |
| Assets per employee ($millions) | 9.8681% | 689 |
| Cash dividends to net income (ytd only)* | 32.2404% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,724 |
| Loan loss allowance to noncurrent loans | 718.4906% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,772 |
| Noncurrent loans to loans | 0.1959% | 2,724 |
| Net loans and leases to total assets | 62.3480% | 2,082 |
| Net loans and leases to deposits | 72.0454% | 2,019 |
| Net loans and leases to core deposits | 72.7719% | 2,254 |
| Total domestic deposits to total assets | 86.5399% | 3,096 |
| Equity capital to assets | 9.8244% | 1,807 |
| Core capital (leverage) ratio | 8.8319% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2778% | 2,734 |
| Memoranda: | ||
| Average total assets | $35,811,520,333 | 67 |
| Average earning assets | $32,240,498,000 | 67 |
| Average equity | $3,531,171,000 | 66 |
| Average total loans | $21,500,998,333 | 64 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8785% | 3,585 |
| Cost of funding earning assets | 0.0680% | 4,475 |
| Net interest margin | 2.8106% | 3,105 |
| Noninterest income to average assets | 0.8593% | 914 |
| Noninterest expense to average assets | 1.9179% | 3,641 |
| Loan and lease loss provision to assets | -0.2475% | 4,713 |
| Net operating income to assets | 1.3831% | 832 |
| Return on assets (ROA) | 1.3823% | 826 |
| Pretax return on assets | 1.7279% | 645 |
| Return on Equity (ROE) | 13.9945% | 830 |
| Retained earnings to average equity (ytd only) | 9.5455% | 1,135 |
| Net charge-offs to loans | 0.0060% | 1,536 |
| Credit loss provision to net charge-offs | -7,493.1034% | 3,541 |
| Earnings coverage of net charge-offs (x) | 422.6865% | 244 |
| Efficiency ratio | 55.2102% | 3,950 |
| Assets per employee ($millions) | 10.5180% | 588 |
| Cash dividends to net income (ytd only)* | 31.7912% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,592 |
| Loan loss allowance to noncurrent loans | 680.5186% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,770 |
| Noncurrent loans to loans | 0.2184% | 2,724 |
| Net loans and leases to total assets | 58.0371% | 2,293 |
| Net loans and leases to deposits | 68.8295% | 2,068 |
| Net loans and leases to core deposits | 69.5622% | 2,330 |
| Total domestic deposits to total assets | 84.3201% | 3,703 |
| Equity capital to assets | 9.6054% | 2,207 |
| Core capital (leverage) ratio | 8.4894% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3253% | 2,823 |
| Memoranda: | ||
| Average total assets | $36,408,718,000 | 66 |
| Average earning assets | $32,903,824,000 | 67 |
| Average equity | $3,596,286,500 | 67 |
| Average total loans | $21,305,864,000 | 66 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0975% | 3,687 |
| Cost of funding earning assets | 0.1070% | 4,333 |
| Net interest margin | 2.9905% | 3,223 |
| Noninterest income to average assets | 0.9612% | 1,073 |
| Noninterest expense to average assets | 2.2097% | 3,051 |
| Loan and lease loss provision to assets | -0.2207% | 4,726 |
| Net operating income to assets | 1.3617% | 1,405 |
| Return on assets (ROA) | 1.3624% | 1,451 |
| Pretax return on assets | 1.6741% | 1,206 |
| Return on Equity (ROE) | 13.3136% | 1,369 |
| Retained earnings to average equity (ytd only) | 9.1388% | 1,160 |
| Net charge-offs to loans | 0.1455% | 652 |
| Credit loss provision to net charge-offs | -246.6239% | 3,568 |
| Earnings coverage of net charge-offs (x) | 16.3506% | 1,978 |
| Efficiency ratio | 59.0424% | 3,291 |
| Assets per employee ($millions) | 10.7506% | 542 |
| Cash dividends to net income (ytd only)* | 31.3573% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,229 |
| Loan loss allowance to noncurrent loans | 560.3214% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 2,622 |
| Noncurrent loans to loans | 0.2876% | 2,564 |
| Net loans and leases to total assets | 57.1901% | 2,454 |
| Net loans and leases to deposits | 68.3050% | 2,285 |
| Net loans and leases to core deposits | 69.2305% | 2,528 |
| Total domestic deposits to total assets | 83.7275% | 3,632 |
| Equity capital to assets | 10.1481% | 2,520 |
| Core capital (leverage) ratio | 8.3556% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3281% | 2,816 |
| Memoranda: | ||
| Average total assets | $35,110,804,400 | 65 |
| Average earning assets | $31,711,569,200 | 68 |
| Average equity | $3,592,999,600 | 68 |
| Average total loans | $21,431,869,600 | 66 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 3,675 |
| Cost of funding earning assets | 0.1158% | 4,383 |
| Net interest margin | 3.0473% | 3,186 |
| Noninterest income to average assets | 0.9788% | 1,109 |
| Noninterest expense to average assets | 2.3044% | 2,742 |
| Loan and lease loss provision to assets | -0.1883% | 4,740 |
| Net operating income to assets | 1.2969% | 1,837 |
| Return on assets (ROA) | 1.2979% | 1,893 |
| Pretax return on assets | 1.6116% | 1,662 |
| Return on Equity (ROE) | 12.6554% | 1,817 |
| Retained earnings to average equity (ytd only) | 8.5412% | 1,862 |
| Net charge-offs to loans | 0.1894% | 444 |
| Credit loss provision to net charge-offs | -157.7026% | 3,329 |
| Earnings coverage of net charge-offs (x) | 12.1459% | 1,965 |
| Efficiency ratio | 60.5276% | 2,904 |
| Assets per employee ($millions) | 10.5880% | 546 |
| Cash dividends to net income (ytd only)* | 32.5099% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 987 |
| Loan loss allowance to noncurrent loans | 528.2615% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,667 |
| Noncurrent loans to loans | 0.3353% | 2,580 |
| Net loans and leases to total assets | 58.3724% | 2,441 |
| Net loans and leases to deposits | 70.2837% | 2,209 |
| Net loans and leases to core deposits | 71.5171% | 2,465 |
| Total domestic deposits to total assets | 83.0526% | 3,691 |
| Equity capital to assets | 10.3687% | 2,556 |
| Core capital (leverage) ratio | 8.2451% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5099% | 2,862 |
| Memoranda: | ||
| Average total assets | $34,758,574,500 | 66 |
| Average earning assets | $31,339,811,000 | 67 |
| Average equity | $3,564,738,000 | 68 |
| Average total loans | $21,482,904,750 | 66 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 3,672 |
| Cost of funding earning assets | 0.1299% | 4,352 |
| Net interest margin | 3.0747% | 3,102 |
| Noninterest income to average assets | 0.9714% | 1,119 |
| Noninterest expense to average assets | 2.3853% | 2,514 |
| Loan and lease loss provision to assets | -0.1281% | 4,679 |
| Net operating income to assets | 1.1929% | 2,216 |
| Return on assets (ROA) | 1.1944% | 2,280 |
| Pretax return on assets | 1.4858% | 2,062 |
| Return on Equity (ROE) | 11.6903% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.7275% | 2,184 |
| Net charge-offs to loans | 0.2656% | 331 |
| Credit loss provision to net charge-offs | -75.6713% | 3,022 |
| Earnings coverage of net charge-offs (x) | 8.1525% | 1,891 |
| Efficiency ratio | 62.4199% | 2,675 |
| Assets per employee ($millions) | 9.9278% | 627 |
| Cash dividends to net income (ytd only)* | 33.8976% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 761 |
| Loan loss allowance to noncurrent loans | 432.1856% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 2,460 |
| Noncurrent loans to loans | 0.4354% | 2,367 |
| Net loans and leases to total assets | 59.4132% | 2,492 |
| Net loans and leases to deposits | 70.9810% | 2,311 |
| Net loans and leases to core deposits | 72.3765% | 2,574 |
| Total domestic deposits to total assets | 83.7030% | 3,521 |
| Equity capital to assets | 10.2951% | 2,583 |
| Core capital (leverage) ratio | 7.9773% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4462% | 2,874 |
| Memoranda: | ||
| Average total assets | $34,578,014,000 | 66 |
| Average earning assets | $31,147,309,667 | 66 |
| Average equity | $3,532,924,000 | 68 |
| Average total loans | $21,651,491,333 | 65 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2462% | 3,591 |
| Cost of funding earning assets | 0.1448% | 4,341 |
| Net interest margin | 3.1013% | 2,984 |
| Noninterest income to average assets | 0.9377% | 1,242 |
| Noninterest expense to average assets | 2.1741% | 3,185 |
| Loan and lease loss provision to assets | -0.0572% | 4,663 |
| Net operating income to assets | 1.2923% | 1,854 |
| Return on assets (ROA) | 1.2923% | 1,924 |
| Pretax return on assets | 1.6126% | 1,688 |
| Return on Equity (ROE) | 12.6972% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.6903% | 2,040 |
| Net charge-offs to loans | 0.3340% | 257 |
| Credit loss provision to net charge-offs | -41.4320% | 2,744 |
| Earnings coverage of net charge-offs (x) | 7.3128% | 1,620 |
| Efficiency ratio | 56.9146% | 3,436 |
| Assets per employee ($millions) | 9.1514% | 789 |
| Cash dividends to net income (ytd only)* | 31.5580% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 671 |
| Loan loss allowance to noncurrent loans | 367.9624% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 2,381 |
| Noncurrent loans to loans | 0.5293% | 2,264 |
| Net loans and leases to total assets | 60.9564% | 2,410 |
| Net loans and leases to deposits | 72.5954% | 2,256 |
| Net loans and leases to core deposits | 74.3317% | 2,484 |
| Total domestic deposits to total assets | 83.9674% | 3,446 |
| Equity capital to assets | 9.9175% | 2,780 |
| Core capital (leverage) ratio | 8.0781% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5155% | 2,814 |
| Memoranda: | ||
| Average total assets | $34,329,621,500 | 66 |
| Average earning assets | $30,902,094,000 | 67 |
| Average equity | $3,493,891,000 | 69 |
| Average total loans | $21,857,869,000 | 66 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 3,715 |
| Cost of funding earning assets | 0.3443% | 3,899 |
| Net interest margin | 3.2971% | 3,071 |
| Noninterest income to average assets | 0.9335% | 1,190 |
| Noninterest expense to average assets | 2.3520% | 3,268 |
| Loan and lease loss provision to assets | 1.8571% | 35 |
| Net operating income to assets | -0.1030% | 4,785 |
| Return on assets (ROA) | -0.1018% | 4,808 |
| Pretax return on assets | -0.3234% | 4,850 |
| Return on Equity (ROE) | -0.9566% | 4,817 |
| Retained earnings to average equity (ytd only) | -2.9831% | 4,763 |
| Net charge-offs to loans | 1.7926% | 52 |
| Credit loss provision to net charge-offs | 153.0705% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.2600% | 3,271 |
| Efficiency ratio | 58.9747% | 3,595 |
| Assets per employee ($millions) | 8.6355% | 855 |
| Cash dividends to net income (ytd only)* | -211.8516% | 4,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 530 |
| Loan loss allowance to noncurrent loans | 311.3688% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 2,166 |
| Noncurrent loans to loans | 0.6594% | 2,032 |
| Net loans and leases to total assets | 63.8990% | 2,378 |
| Net loans and leases to deposits | 76.9476% | 2,178 |
| Net loans and leases to core deposits | 79.1909% | 2,430 |
| Total domestic deposits to total assets | 83.0422% | 3,399 |
| Equity capital to assets | 10.4486% | 2,714 |
| Core capital (leverage) ratio | 8.1092% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1881% | 2,873 |
| Memoranda: | ||
| Average total assets | $32,464,927,400 | 64 |
| Average earning assets | $29,053,832,400 | 67 |
| Average equity | $3,454,207,200 | 68 |
| Average total loans | $22,022,975,800 | 61 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 3,784 |
| Cost of funding earning assets | 0.3987% | 3,813 |
| Net interest margin | 3.3103% | 3,158 |
| Noninterest income to average assets | 0.9364% | 1,140 |
| Noninterest expense to average assets | 2.3913% | 3,163 |
| Loan and lease loss provision to assets | 2.3968% | 32 |
| Net operating income to assets | -0.5745% | 4,907 |
| Return on assets (ROA) | -0.5729% | 4,910 |
| Pretax return on assets | -0.8886% | 4,932 |
| Return on Equity (ROE) | -5.3595% | 4,919 |
| Retained earnings to average equity (ytd only) | -8.0728% | 4,899 |
| Net charge-offs to loans | 2.2403% | 45 |
| Credit loss provision to net charge-offs | 156.1504% | 2,294 |
| Earnings coverage of net charge-offs (x) | 0.9813% | 3,102 |
| Efficiency ratio | 59.7276% | 3,423 |
| Assets per employee ($millions) | 8.3582% | 888 |
| Cash dividends to net income (ytd only)* | -50.6245% | 5,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 491 |
| Loan loss allowance to noncurrent loans | 246.6570% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 1,981 |
| Noncurrent loans to loans | 0.8141% | 1,793 |
| Net loans and leases to total assets | 66.0015% | 2,518 |
| Net loans and leases to deposits | 80.2899% | 2,286 |
| Net loans and leases to core deposits | 83.4185% | 2,532 |
| Total domestic deposits to total assets | 82.2040% | 3,364 |
| Equity capital to assets | 10.3254% | 2,942 |
| Core capital (leverage) ratio | 7.8626% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7801% | 2,968 |
| Memoranda: | ||
| Average total assets | $32,178,842,000 | 65 |
| Average earning assets | $28,784,473,250 | 66 |
| Average equity | $3,439,835,750 | 69 |
| Average total loans | $22,047,180,000 | 61 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 3,815 |
| Cost of funding earning assets | 0.4861% | 3,615 |
| Net interest margin | 3.3318% | 3,302 |
| Noninterest income to average assets | 0.9254% | 1,111 |
| Noninterest expense to average assets | 2.4637% | 3,061 |
| Loan and lease loss provision to assets | 3.4441% | 22 |
| Net operating income to assets | -1.3937% | 4,990 |
| Return on assets (ROA) | -1.3931% | 4,991 |
| Pretax return on assets | -2.0021% | 5,008 |
| Return on Equity (ROE) | -12.8800% | 5,004 |
| Retained earnings to average equity (ytd only) | -16.9442% | 4,993 |
| Net charge-offs to loans | 3.1569% | 33 |
| Credit loss provision to net charge-offs | 158.2991% | 2,086 |
| Earnings coverage of net charge-offs (x) | 0.6624% | 2,910 |
| Efficiency ratio | 61.4007% | 3,215 |
| Assets per employee ($millions) | 8.0854% | 936 |
| Cash dividends to net income (ytd only)* | -31.5548% | 5,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 504 |
| Loan loss allowance to noncurrent loans | 233.4219% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 1,938 |
| Noncurrent loans to loans | 0.8247% | 1,848 |
| Net loans and leases to total assets | 67.9251% | 2,367 |
| Net loans and leases to deposits | 81.7468% | 2,228 |
| Net loans and leases to core deposits | 86.4254% | 2,402 |
| Total domestic deposits to total assets | 83.0921% | 3,060 |
| Equity capital to assets | 10.0773% | 3,131 |
| Core capital (leverage) ratio | 7.4713% | 4,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1674% | 3,142 |
| Memoranda: | ||
| Average total assets | $31,847,211,667 | 66 |
| Average earning assets | $28,480,572,000 | 67 |
| Average equity | $3,444,670,667 | 70 |
| Average total loans | $21,948,294,667 | 62 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 3,854 |
| Cost of funding earning assets | 0.6293% | 3,280 |
| Net interest margin | 3.3483% | 3,454 |
| Noninterest income to average assets | 0.9943% | 869 |
| Noninterest expense to average assets | 2.7466% | 2,588 |
| Loan and lease loss provision to assets | 2.9399% | 34 |
| Net operating income to assets | -1.3935% | 5,017 |
| Return on assets (ROA) | -1.3924% | 5,005 |
| Pretax return on assets | -1.6949% | 5,005 |
| Return on Equity (ROE) | -12.4211% | 5,019 |
| Retained earnings to average equity (ytd only) | -16.4277% | 4,918 |
| Net charge-offs to loans | 0.8170% | 180 |
| Credit loss provision to net charge-offs | 523.5130% | 856 |
| Earnings coverage of net charge-offs (x) | 2.2145% | 2,307 |
| Efficiency ratio | 67.1144% | 2,804 |
| Assets per employee ($millions) | 7.8172% | 795 |
| Cash dividends to net income (ytd only)* | -32.2566% | 5,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 521 |
| Loan loss allowance to noncurrent loans | 152.9980% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 1,423 |
| Noncurrent loans to loans | 1.2901% | 1,268 |
| Net loans and leases to total assets | 66.6462% | 2,740 |
| Net loans and leases to deposits | 84.3272% | 2,186 |
| Net loans and leases to core deposits | 93.1306% | 2,053 |
| Total domestic deposits to total assets | 79.0328% | 4,043 |
| Equity capital to assets | 10.9131% | 2,934 |
| Core capital (leverage) ratio | 8.5502% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4533% | 3,233 |
| Memoranda: | ||
| Average total assets | $31,171,405,000 | 67 |
| Average earning assets | $27,890,363,000 | 67 |
| Average equity | $3,494,228,000 | 70 |
| Average total loans | $21,425,950,000 | 65 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 3,626 |
| Cost of funding earning assets | 0.8392% | 2,493 |
| Net interest margin | 3.4288% | 3,654 |
| Noninterest income to average assets | 1.0424% | 879 |
| Noninterest expense to average assets | 2.5959% | 3,184 |
| Loan and lease loss provision to assets | 0.1492% | 1,432 |
| Net operating income to assets | 1.1495% | 2,257 |
| Return on assets (ROA) | 1.1495% | 2,357 |
| Pretax return on assets | 1.3827% | 2,226 |
| Return on Equity (ROE) | 10.1881% | 2,211 |
| Retained earnings to average equity (ytd only) | 2.9317% | 3,563 |
| Net charge-offs to loans | 0.2286% | 894 |
| Credit loss provision to net charge-offs | 93.0550% | 2,613 |
| Earnings coverage of net charge-offs (x) | 9.5546% | 2,650 |
| Efficiency ratio | 61.1656% | 3,511 |
| Assets per employee ($millions) | 7.5511% | 844 |
| Cash dividends to net income (ytd only)* | 71.2246% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 3,959 |
| Loan loss allowance to noncurrent loans | 73.3513% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 1,382 |
| Noncurrent loans to loans | 1.2259% | 1,222 |
| Net loans and leases to total assets | 68.8867% | 2,556 |
| Net loans and leases to deposits | 88.2580% | 1,810 |
| Net loans and leases to core deposits | 94.3377% | 2,027 |
| Total domestic deposits to total assets | 78.0516% | 4,352 |
| Equity capital to assets | 11.5175% | 2,518 |
| Core capital (leverage) ratio | 8.9584% | 4,560 |
| Tier 1 risk-based capital ratio | 10.7397% | 4,950 |
| Total risk-based capital ratio | 11.5336% | 5,016 |
| Memoranda: | ||
| Average total assets | $29,312,744,600 | 67 |
| Average earning assets | $26,377,082,400 | 67 |
| Average equity | $3,307,411,000 | 70 |
| Average total loans | $20,557,444,400 | 64 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 3,696 |
| Cost of funding earning assets | 0.8724% | 2,359 |
| Net interest margin | 3.4144% | 3,829 |
| Noninterest income to average assets | 1.0460% | 844 |
| Noninterest expense to average assets | 2.6072% | 3,150 |
| Loan and lease loss provision to assets | 0.1773% | 1,037 |
| Net operating income to assets | 1.1074% | 2,544 |
| Return on assets (ROA) | 1.1074% | 2,632 |
| Pretax return on assets | 1.3377% | 2,532 |
| Return on Equity (ROE) | 9.8686% | 2,491 |
| Retained earnings to average equity (ytd only) | 0.0326% | 4,751 |
| Net charge-offs to loans | 0.2453% | 721 |
| Credit loss provision to net charge-offs | 102.8218% | 2,194 |
| Earnings coverage of net charge-offs (x) | 8.7863% | 2,625 |
| Efficiency ratio | 61.5658% | 3,392 |
| Assets per employee ($millions) | 8.0151% | 688 |
| Cash dividends to net income (ytd only)* | 99.6698% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 3,941 |
| Loan loss allowance to noncurrent loans | 81.5345% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 1,626 |
| Noncurrent loans to loans | 1.1362% | 1,396 |
| Net loans and leases to total assets | 68.5115% | 2,704 |
| Net loans and leases to deposits | 85.3949% | 2,272 |
| Net loans and leases to core deposits | 94.4446% | 2,141 |
| Total domestic deposits to total assets | 80.2290% | 3,941 |
| Equity capital to assets | 11.2397% | 2,882 |
| Core capital (leverage) ratio | 8.9491% | 4,672 |
| Tier 1 risk-based capital ratio | 10.3917% | 5,109 |
| Total risk-based capital ratio | 11.1947% | 5,148 |
| Memoranda: | ||
| Average total assets | $28,991,644,250 | 67 |
| Average earning assets | $26,120,460,250 | 68 |
| Average equity | $3,253,256,500 | 70 |
| Average total loans | $20,379,649,250 | 65 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 3,543 |
| Cost of funding earning assets | 0.8789% | 2,254 |
| Net interest margin | 3.4510% | 3,739 |
| Noninterest income to average assets | 0.9736% | 920 |
| Noninterest expense to average assets | 2.4415% | 3,630 |
| Loan and lease loss provision to assets | 0.1835% | 971 |
| Net operating income to assets | 1.2030% | 2,138 |
| Return on assets (ROA) | 1.2030% | 2,200 |
| Pretax return on assets | 1.4644% | 1,976 |
| Return on Equity (ROE) | 10.7268% | 2,085 |
| Retained earnings to average equity (ytd only) | 7.9089% | 1,432 |
| Net charge-offs to loans | 0.2485% | 680 |
| Credit loss provision to net charge-offs | 104.4404% | 1,907 |
| Earnings coverage of net charge-offs (x) | 9.3784% | 2,340 |
| Efficiency ratio | 57.9548% | 4,023 |
| Assets per employee ($millions) | 7.4766% | 824 |
| Cash dividends to net income (ytd only)* | 26.2697% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,792 |
| Loan loss allowance to noncurrent loans | 89.3424% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 1,771 |
| Noncurrent loans to loans | 1.0833% | 1,510 |
| Net loans and leases to total assets | 69.6277% | 2,587 |
| Net loans and leases to deposits | 85.6979% | 2,289 |
| Net loans and leases to core deposits | 96.2432% | 2,039 |
| Total domestic deposits to total assets | 81.2479% | 3,739 |
| Equity capital to assets | 11.5557% | 2,569 |
| Core capital (leverage) ratio | 9.1208% | 4,532 |
| Tier 1 risk-based capital ratio | 10.9657% | 4,924 |
| Total risk-based capital ratio | 11.8113% | 5,001 |
| Memoranda: | ||
| Average total assets | $28,479,049,330 | 66 |
| Average earning assets | $25,712,639,670 | 67 |
| Average equity | $3,193,865,330 | 70 |
| Average total loans | $20,135,618,330 | 64 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 3,525 |
| Cost of funding earning assets | 0.8716% | 2,143 |
| Net interest margin | 3.4391% | 3,778 |
| Noninterest income to average assets | 0.9242% | 982 |
| Noninterest expense to average assets | 2.3907% | 3,789 |
| Loan and lease loss provision to assets | 0.2546% | 564 |
| Net operating income to assets | 1.1435% | 2,298 |
| Return on assets (ROA) | 1.1435% | 2,346 |
| Pretax return on assets | 1.3895% | 2,123 |
| Return on Equity (ROE) | 10.3562% | 2,214 |
| Retained earnings to average equity (ytd only) | 10.3562% | 952 |
| Net charge-offs to loans | 0.3556% | 438 |
| Credit loss provision to net charge-offs | 100.9738% | 1,561 |
| Earnings coverage of net charge-offs (x) | 6.5200% | 2,189 |
| Efficiency ratio | 57.4547% | 4,152 |
| Assets per employee ($millions) | 7.4951% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 3,893 |
| Loan loss allowance to noncurrent loans | 83.1630% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.8493% | 1,668 |
| Noncurrent loans to loans | 1.1624% | 1,433 |
| Net loans and leases to total assets | 70.0484% | 2,469 |
| Net loans and leases to deposits | 84.9800% | 2,259 |
| Net loans and leases to core deposits | 94.6806% | 2,065 |
| Total domestic deposits to total assets | 82.4293% | 3,609 |
| Equity capital to assets | 11.3065% | 2,553 |
| Core capital (leverage) ratio | 8.9683% | 4,676 |
| Tier 1 risk-based capital ratio | 10.8758% | 5,030 |
| Total risk-based capital ratio | 11.7274% | 5,090 |
| Memoranda: | ||
| Average total assets | $28,344,726,000 | 67 |
| Average earning assets | $25,637,071,000 | 67 |
| Average equity | $3,129,802,000 | 72 |
| Average total loans | $20,097,436,500 | 64 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,796 |
| Cost of funding earning assets | 0.6688% | 2,275 |
| Net interest margin | 3.4126% | 3,967 |
| Noninterest income to average assets | 1.0499% | 859 |
| Noninterest expense to average assets | 2.5088% | 3,590 |
| Loan and lease loss provision to assets | 0.1303% | 1,689 |
| Net operating income to assets | 1.2751% | 1,892 |
| Return on assets (ROA) | 1.2062% | 2,133 |
| Pretax return on assets | 1.4284% | 2,043 |
| Return on Equity (ROE) | 11.2477% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.5188% | 3,042 |
| Net charge-offs to loans | 0.2689% | 715 |
| Credit loss provision to net charge-offs | 69.1057% | 3,001 |
| Earnings coverage of net charge-offs (x) | 8.7007% | 2,873 |
| Efficiency ratio | 58.5436% | 4,074 |
| Assets per employee ($millions) | 7.3363% | 855 |
| Cash dividends to net income (ytd only)* | 59.8249% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,864 |
| Loan loss allowance to noncurrent loans | 93.8765% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 1,831 |
| Noncurrent loans to loans | 1.0332% | 1,589 |
| Net loans and leases to total assets | 70.3873% | 2,512 |
| Net loans and leases to deposits | 85.1961% | 2,384 |
| Net loans and leases to core deposits | 94.3481% | 2,198 |
| Total domestic deposits to total assets | 82.6180% | 3,447 |
| Equity capital to assets | 10.7749% | 2,905 |
| Core capital (leverage) ratio | 8.5388% | 5,007 |
| Tier 1 risk-based capital ratio | 10.3183% | 5,241 |
| Total risk-based capital ratio | 11.1720% | 5,278 |
| Memoranda: | ||
| Average total assets | $27,714,874,200 | 66 |
| Average earning assets | $25,173,502,200 | 66 |
| Average equity | $2,972,242,200 | 73 |
| Average total loans | $19,438,836,000 | 62 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 3,859 |
| Cost of funding earning assets | 0.6209% | 2,329 |
| Net interest margin | 3.4017% | 4,002 |
| Noninterest income to average assets | 0.9360% | 1,090 |
| Noninterest expense to average assets | 2.5078% | 3,567 |
| Loan and lease loss provision to assets | 0.1354% | 1,481 |
| Net operating income to assets | 1.1310% | 2,525 |
| Return on assets (ROA) | 1.1310% | 2,539 |
| Pretax return on assets | 1.3829% | 2,290 |
| Return on Equity (ROE) | 10.5591% | 2,371 |
| Retained earnings to average equity (ytd only) | 4.2429% | 3,652 |
| Net charge-offs to loans | 0.1668% | 993 |
| Credit loss provision to net charge-offs | 116.1237% | 2,036 |
| Earnings coverage of net charge-offs (x) | 13.0225% | 2,400 |
| Efficiency ratio | 60.2987% | 3,775 |
| Assets per employee ($millions) | 7.4357% | 798 |
| Cash dividends to net income (ytd only)* | 59.8181% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,220 |
| Loan loss allowance to noncurrent loans | 90.1759% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 1,669 |
| Noncurrent loans to loans | 1.2155% | 1,388 |
| Net loans and leases to total assets | 69.0794% | 2,789 |
| Net loans and leases to deposits | 86.0605% | 2,358 |
| Net loans and leases to core deposits | 96.1236% | 2,108 |
| Total domestic deposits to total assets | 80.2684% | 4,050 |
| Equity capital to assets | 10.5702% | 3,073 |
| Core capital (leverage) ratio | 8.4630% | 5,111 |
| Tier 1 risk-based capital ratio | 10.2956% | 5,295 |
| Total risk-based capital ratio | 11.2536% | 5,330 |
| Memoranda: | ||
| Average total assets | $27,589,738,500 | 66 |
| Average earning assets | $25,063,195,500 | 66 |
| Average equity | $2,955,256,250 | 73 |
| Average total loans | $19,284,900,250 | 62 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,920 |
| Cost of funding earning assets | 0.5638% | 2,485 |
| Net interest margin | 3.3883% | 3,990 |
| Noninterest income to average assets | 0.9052% | 1,167 |
| Noninterest expense to average assets | 2.5062% | 3,616 |
| Loan and lease loss provision to assets | 0.1541% | 1,224 |
| Net operating income to assets | 1.0802% | 2,659 |
| Return on assets (ROA) | 1.0802% | 2,667 |
| Pretax return on assets | 1.3262% | 2,411 |
| Return on Equity (ROE) | 10.0397% | 2,544 |
| Retained earnings to average equity (ytd only) | 4.6213% | 3,276 |
| Net charge-offs to loans | 0.1800% | 871 |
| Credit loss provision to net charge-offs | 122.4036% | 1,780 |
| Earnings coverage of net charge-offs (x) | 11.7591% | 2,246 |
| Efficiency ratio | 60.8680% | 3,785 |
| Assets per employee ($millions) | 7.5378% | 751 |
| Cash dividends to net income (ytd only)* | 53.9698% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,225 |
| Loan loss allowance to noncurrent loans | 83.5703% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 1,577 |
| Noncurrent loans to loans | 1.3228% | 1,289 |
| Net loans and leases to total assets | 68.9270% | 2,736 |
| Net loans and leases to deposits | 85.9801% | 2,313 |
| Net loans and leases to core deposits | 95.9768% | 2,057 |
| Total domestic deposits to total assets | 80.1662% | 4,200 |
| Equity capital to assets | 10.6062% | 3,022 |
| Core capital (leverage) ratio | 8.7730% | 4,907 |
| Tier 1 risk-based capital ratio | 10.6045% | 5,228 |
| Total risk-based capital ratio | 11.5738% | 5,250 |
| Memoranda: | ||
| Average total assets | $27,444,549,670 | 66 |
| Average earning assets | $24,958,269,000 | 65 |
| Average equity | $2,952,894,670 | 73 |
| Average total loans | $19,188,449,000 | 63 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,944 |
| Cost of funding earning assets | 0.5279% | 2,557 |
| Net interest margin | 3.3659% | 4,005 |
| Noninterest income to average assets | 0.8924% | 1,167 |
| Noninterest expense to average assets | 2.4227% | 3,887 |
| Loan and lease loss provision to assets | 0.1799% | 956 |
| Net operating income to assets | 1.0985% | 2,426 |
| Return on assets (ROA) | 1.0985% | 2,437 |
| Pretax return on assets | 1.3501% | 2,185 |
| Return on Equity (ROE) | 10.1360% | 2,365 |
| Retained earnings to average equity (ytd only) | 6.0720% | 2,675 |
| Net charge-offs to loans | 0.2558% | 601 |
| Credit loss provision to net charge-offs | 100.4344% | 1,536 |
| Earnings coverage of net charge-offs (x) | 8.5417% | 2,023 |
| Efficiency ratio | 59.2055% | 4,182 |
| Assets per employee ($millions) | 7.3707% | 819 |
| Cash dividends to net income (ytd only)* | 40.0952% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,365 |
| Loan loss allowance to noncurrent loans | 68.5254% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 1,294 |
| Noncurrent loans to loans | 1.6087% | 1,079 |
| Net loans and leases to total assets | 69.4471% | 2,573 |
| Net loans and leases to deposits | 83.7365% | 2,415 |
| Net loans and leases to core deposits | 92.1581% | 2,284 |
| Total domestic deposits to total assets | 82.9353% | 3,686 |
| Equity capital to assets | 10.8464% | 2,725 |
| Core capital (leverage) ratio | 8.7501% | 4,950 |
| Tier 1 risk-based capital ratio | 10.6291% | 5,307 |
| Total risk-based capital ratio | 11.5956% | 5,323 |
| Memoranda: | ||
| Average total assets | $27,244,518,500 | 66 |
| Average earning assets | $24,770,879,000 | 65 |
| Average equity | $2,952,714,500 | 75 |
| Average total loans | $19,079,187,500 | 64 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 3,953 |
| Cost of funding earning assets | 0.4097% | 3,163 |
| Net interest margin | 3.4179% | 3,793 |
| Noninterest income to average assets | 0.9567% | 1,120 |
| Noninterest expense to average assets | 2.5953% | 3,462 |
| Loan and lease loss provision to assets | 0.2174% | 909 |
| Net operating income to assets | 0.8722% | 2,853 |
| Return on assets (ROA) | 0.8722% | 2,875 |
| Pretax return on assets | 1.2369% | 2,602 |
| Return on Equity (ROE) | 8.0319% | 2,778 |
| Retained earnings to average equity (ytd only) | 4.8401% | 2,228 |
| Net charge-offs to loans | 0.3751% | 675 |
| Credit loss provision to net charge-offs | 82.3346% | 2,910 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 3,315 |
| Efficiency ratio | 61.9561% | 3,947 |
| Assets per employee ($millions) | 7.1704% | 902 |
| Cash dividends to net income (ytd only)* | 39.7384% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,110 |
| Loan loss allowance to noncurrent loans | 75.1598% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 1,350 |
| Noncurrent loans to loans | 1.5182% | 1,116 |
| Net loans and leases to total assets | 69.0411% | 2,679 |
| Net loans and leases to deposits | 84.2495% | 2,465 |
| Net loans and leases to core deposits | 90.6149% | 2,502 |
| Total domestic deposits to total assets | 81.9484% | 3,883 |
| Equity capital to assets | 10.8293% | 2,807 |
| Core capital (leverage) ratio | 8.7231% | 4,928 |
| Tier 1 risk-based capital ratio | 10.5414% | 5,356 |
| Total risk-based capital ratio | 11.5451% | 5,371 |
| Memoranda: | ||
| Average total assets | $25,965,540,200 | 65 |
| Average earning assets | $23,496,467,000 | 65 |
| Average equity | $2,819,781,800 | 74 |
| Average total loans | $18,273,240,400 | 62 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 4,021 |
| Cost of funding earning assets | 0.3918% | 3,279 |
| Net interest margin | 3.4056% | 3,833 |
| Noninterest income to average assets | 0.9528% | 1,137 |
| Noninterest expense to average assets | 2.6556% | 3,229 |
| Loan and lease loss provision to assets | 0.2156% | 869 |
| Net operating income to assets | 0.8640% | 3,206 |
| Return on assets (ROA) | 0.8640% | 3,255 |
| Pretax return on assets | 1.1617% | 3,060 |
| Return on Equity (ROE) | 7.9499% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.0790% | 2,834 |
| Net charge-offs to loans | 0.3521% | 601 |
| Credit loss provision to net charge-offs | 86.8152% | 2,499 |
| Earnings coverage of net charge-offs (x) | 5.5465% | 3,091 |
| Efficiency ratio | 63.7166% | 3,606 |
| Assets per employee ($millions) | 6.8686% | 1,001 |
| Cash dividends to net income (ytd only)* | 36.1128% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,008 |
| Loan loss allowance to noncurrent loans | 73.7706% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,357 |
| Noncurrent loans to loans | 1.6080% | 1,140 |
| Net loans and leases to total assets | 69.5273% | 2,629 |
| Net loans and leases to deposits | 85.9589% | 2,297 |
| Net loans and leases to core deposits | 93.7633% | 2,290 |
| Total domestic deposits to total assets | 80.8844% | 4,083 |
| Equity capital to assets | 10.8609% | 3,007 |
| Core capital (leverage) ratio | 8.5298% | 5,224 |
| Tier 1 risk-based capital ratio | 10.3066% | 5,511 |
| Total risk-based capital ratio | 11.3481% | 5,531 |
| Memoranda: | ||
| Average total assets | $25,639,707,500 | 65 |
| Average earning assets | $23,189,218,750 | 65 |
| Average equity | $2,786,469,250 | 71 |
| Average total loans | $18,080,541,500 | 62 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,085 |
| Cost of funding earning assets | 0.3618% | 3,466 |
| Net interest margin | 3.3857% | 3,823 |
| Noninterest income to average assets | 0.9618% | 1,109 |
| Noninterest expense to average assets | 2.6814% | 3,158 |
| Loan and lease loss provision to assets | 0.2249% | 777 |
| Net operating income to assets | 0.8331% | 3,229 |
| Return on assets (ROA) | 0.8331% | 3,286 |
| Pretax return on assets | 1.1150% | 3,114 |
| Return on Equity (ROE) | 7.6643% | 3,217 |
| Retained earnings to average equity (ytd only) | 5.4805% | 2,421 |
| Net charge-offs to loans | 0.4033% | 507 |
| Credit loss provision to net charge-offs | 79.0014% | 2,275 |
| Earnings coverage of net charge-offs (x) | 4.7076% | 2,897 |
| Efficiency ratio | 64.6220% | 3,565 |
| Assets per employee ($millions) | 6.5113% | 1,148 |
| Cash dividends to net income (ytd only)* | 28.4933% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,022 |
| Loan loss allowance to noncurrent loans | 80.6735% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 1,579 |
| Noncurrent loans to loans | 1.4865% | 1,264 |
| Net loans and leases to total assets | 68.8727% | 2,683 |
| Net loans and leases to deposits | 84.9122% | 2,363 |
| Net loans and leases to core deposits | 91.2563% | 2,399 |
| Total domestic deposits to total assets | 81.1106% | 4,154 |
| Equity capital to assets | 10.8010% | 3,035 |
| Core capital (leverage) ratio | 8.4393% | 5,261 |
| Tier 1 risk-based capital ratio | 10.2791% | 5,549 |
| Total risk-based capital ratio | 11.3289% | 5,555 |
| Memoranda: | ||
| Average total assets | $25,275,436,670 | 65 |
| Average earning assets | $22,840,059,000 | 65 |
| Average equity | $2,747,497,330 | 69 |
| Average total loans | $17,837,546,670 | 62 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,329 |
| Cost of funding earning assets | 0.3208% | 3,844 |
| Net interest margin | 3.3107% | 3,968 |
| Noninterest income to average assets | 0.9323% | 1,158 |
| Noninterest expense to average assets | 2.5709% | 3,585 |
| Loan and lease loss provision to assets | 0.2299% | 678 |
| Net operating income to assets | 0.8309% | 3,077 |
| Return on assets (ROA) | 0.8309% | 3,132 |
| Pretax return on assets | 1.1229% | 2,895 |
| Return on Equity (ROE) | 7.6174% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.6174% | 1,607 |
| Net charge-offs to loans | 0.6861% | 258 |
| Credit loss provision to net charge-offs | 47.1577% | 2,013 |
| Earnings coverage of net charge-offs (x) | 2.7753% | 2,552 |
| Efficiency ratio | 63.5770% | 3,907 |
| Assets per employee ($millions) | 6.6506% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 3,297 |
| Loan loss allowance to noncurrent loans | 78.7476% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,561 |
| Noncurrent loans to loans | 1.4879% | 1,347 |
| Net loans and leases to total assets | 70.9184% | 2,233 |
| Net loans and leases to deposits | 90.0864% | 1,524 |
| Net loans and leases to core deposits | 96.9224% | 1,754 |
| Total domestic deposits to total assets | 78.7227% | 4,875 |
| Equity capital to assets | 11.1373% | 2,496 |
| Core capital (leverage) ratio | 9.0930% | 4,629 |
| Tier 1 risk-based capital ratio | 10.4944% | 5,544 |
| Total risk-based capital ratio | 11.5207% | 5,570 |
| Memoranda: | ||
| Average total assets | $24,643,193,500 | 67 |
| Average earning assets | $22,266,268,500 | 67 |
| Average equity | $2,687,962,000 | 70 |
| Average total loans | $17,506,003,000 | 62 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 4,738 |
| Cost of funding earning assets | 0.2948% | 4,125 |
| Net interest margin | 3.2238% | 4,369 |
| Noninterest income to average assets | 1.1770% | 817 |
| Noninterest expense to average assets | 2.6511% | 3,521 |
| Loan and lease loss provision to assets | 0.4626% | 304 |
| Net operating income to assets | 0.7425% | 3,573 |
| Return on assets (ROA) | 0.7483% | 3,664 |
| Pretax return on assets | 0.9752% | 3,559 |
| Return on Equity (ROE) | 6.7714% | 3,601 |
| Retained earnings to average equity (ytd only) | 2.0636% | 4,365 |
| Net charge-offs to loans | 0.3622% | 754 |
| Credit loss provision to net charge-offs | 182.5120% | 1,540 |
| Earnings coverage of net charge-offs (x) | 5.6433% | 3,307 |
| Efficiency ratio | 62.8541% | 4,127 |
| Assets per employee ($millions) | 6.4146% | 1,193 |
| Cash dividends to net income (ytd only)* | 69.5253% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,232 |
| Loan loss allowance to noncurrent loans | 69.6413% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.4581% | 1,160 |
| Noncurrent loans to loans | 1.9625% | 924 |
| Net loans and leases to total assets | 69.3105% | 2,579 |
| Net loans and leases to deposits | 83.8392% | 2,442 |
| Net loans and leases to core deposits | 89.8262% | 2,517 |
| Total domestic deposits to total assets | 82.6708% | 3,870 |
| Equity capital to assets | 10.6633% | 2,963 |
| Core capital (leverage) ratio | 8.8321% | 4,928 |
| Tier 1 risk-based capital ratio | 10.3892% | 5,617 |
| Total risk-based capital ratio | 11.5740% | 5,587 |
| Memoranda: | ||
| Average total assets | $23,066,407,800 | 67 |
| Average earning assets | $20,780,810,600 | 68 |
| Average equity | $2,548,951,000 | 67 |
| Average total loans | $16,140,722,800 | 65 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5331% | 4,724 |
| Cost of funding earning assets | 0.2987% | 4,115 |
| Net interest margin | 3.2344% | 4,388 |
| Noninterest income to average assets | 1.0842% | 965 |
| Noninterest expense to average assets | 2.6634% | 3,454 |
| Loan and lease loss provision to assets | 0.5434% | 216 |
| Net operating income to assets | 0.6090% | 4,259 |
| Return on assets (ROA) | 0.6155% | 4,347 |
| Pretax return on assets | 0.7985% | 4,317 |
| Return on Equity (ROE) | 5.5193% | 4,308 |
| Retained earnings to average equity (ytd only) | 0.8124% | 5,142 |
| Net charge-offs to loans | 0.3195% | 724 |
| Credit loss provision to net charge-offs | 243.3137% | 1,220 |
| Earnings coverage of net charge-offs (x) | 5.9709% | 3,053 |
| Efficiency ratio | 64.4448% | 3,860 |
| Assets per employee ($millions) | 6.1443% | 1,326 |
| Cash dividends to net income (ytd only)* | 85.2814% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,908 |
| Loan loss allowance to noncurrent loans | 74.0879% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 1,232 |
| Noncurrent loans to loans | 1.9774% | 1,004 |
| Net loans and leases to total assets | 68.9636% | 2,649 |
| Net loans and leases to deposits | 83.7649% | 2,511 |
| Net loans and leases to core deposits | 90.0137% | 2,576 |
| Total domestic deposits to total assets | 82.3300% | 3,832 |
| Equity capital to assets | 11.1779% | 2,819 |
| Core capital (leverage) ratio | 8.7600% | 5,088 |
| Tier 1 risk-based capital ratio | 10.5635% | 5,595 |
| Total risk-based capital ratio | 11.8146% | 5,513 |
| Memoranda: | ||
| Average total assets | $22,861,041,000 | 68 |
| Average earning assets | $20,587,260,250 | 68 |
| Average equity | $2,549,382,750 | 67 |
| Average total loans | $15,979,345,250 | 67 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 4,767 |
| Cost of funding earning assets | 0.2962% | 4,176 |
| Net interest margin | 3.2443% | 4,397 |
| Noninterest income to average assets | 1.0325% | 1,051 |
| Noninterest expense to average assets | 2.6652% | 3,500 |
| Loan and lease loss provision to assets | 0.6471% | 171 |
| Net operating income to assets | 0.4856% | 4,737 |
| Return on assets (ROA) | 0.4928% | 4,805 |
| Pretax return on assets | 0.6516% | 4,755 |
| Return on Equity (ROE) | 4.4229% | 4,744 |
| Retained earnings to average equity (ytd only) | -0.2990% | 5,338 |
| Net charge-offs to loans | 0.3626% | 642 |
| Credit loss provision to net charge-offs | 255.4521% | 1,080 |
| Earnings coverage of net charge-offs (x) | 5.0890% | 2,896 |
| Efficiency ratio | 65.1525% | 3,818 |
| Assets per employee ($millions) | 6.1716% | 1,284 |
| Cash dividends to net income (ytd only)* | 106.7597% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 2,269 |
| Loan loss allowance to noncurrent loans | 79.2289% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 1,493 |
| Noncurrent loans to loans | 1.7748% | 1,174 |
| Net loans and leases to total assets | 68.9907% | 2,632 |
| Net loans and leases to deposits | 83.9708% | 2,473 |
| Net loans and leases to core deposits | 91.2569% | 2,409 |
| Total domestic deposits to total assets | 82.1604% | 3,956 |
| Equity capital to assets | 11.1426% | 2,903 |
| Core capital (leverage) ratio | 8.6926% | 5,177 |
| Tier 1 risk-based capital ratio | 10.4846% | 5,678 |
| Total risk-based capital ratio | 11.7001% | 5,612 |
| Memoranda: | ||
| Average total assets | $22,807,137,000 | 69 |
| Average earning assets | $20,540,327,000 | 68 |
| Average equity | $2,541,354,330 | 69 |
| Average total loans | $15,934,666,330 | 68 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,830 |
| Cost of funding earning assets | 0.2896% | 4,280 |
| Net interest margin | 3.2353% | 4,456 |
| Noninterest income to average assets | 0.9721% | 1,145 |
| Noninterest expense to average assets | 2.7071% | 3,388 |
| Loan and lease loss provision to assets | 1.0183% | 89 |
| Net operating income to assets | 0.1125% | 5,662 |
| Return on assets (ROA) | 0.1168% | 5,707 |
| Pretax return on assets | 0.1672% | 5,677 |
| Return on Equity (ROE) | 1.0481% | 5,682 |
| Retained earnings to average equity (ytd only) | -3.6914% | 5,529 |
| Net charge-offs to loans | 0.5354% | 406 |
| Credit loss provision to net charge-offs | 272.4520% | 901 |
| Earnings coverage of net charge-offs (x) | 3.1556% | 2,580 |
| Efficiency ratio | 67.3316% | 3,574 |
| Assets per employee ($millions) | 5.9471% | 1,441 |
| Cash dividends to net income (ytd only)* | 452.2159% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,600 |
| Loan loss allowance to noncurrent loans | 83.4719% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 1,739 |
| Noncurrent loans to loans | 1.6305% | 1,406 |
| Net loans and leases to total assets | 69.4980% | 2,425 |
| Net loans and leases to deposits | 84.3674% | 2,268 |
| Net loans and leases to core deposits | 90.7478% | 2,298 |
| Total domestic deposits to total assets | 82.3754% | 4,094 |
| Equity capital to assets | 11.1374% | 2,788 |
| Core capital (leverage) ratio | 8.6778% | 5,197 |
| Tier 1 risk-based capital ratio | 10.2971% | 5,830 |
| Total risk-based capital ratio | 11.5647% | 5,749 |
| Memoranda: | ||
| Average total assets | $22,722,191,500 | 69 |
| Average earning assets | $20,468,750,000 | 68 |
| Average equity | $2,531,907,500 | 70 |
| Average total loans | $15,862,950,000 | 67 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 4,797 |
| Cost of funding earning assets | 0.2272% | 5,032 |
| Net interest margin | 3.3260% | 4,193 |
| Noninterest income to average assets | 1.0956% | 979 |
| Noninterest expense to average assets | 2.8587% | 2,998 |
| Loan and lease loss provision to assets | 0.3285% | 490 |
| Net operating income to assets | 0.6681% | 3,960 |
| Return on assets (ROA) | 0.6693% | 4,044 |
| Pretax return on assets | 0.8794% | 3,923 |
| Return on Equity (ROE) | 5.7257% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.4856% | 2,794 |
| Net charge-offs to loans | 0.1225% | 2,144 |
| Credit loss provision to net charge-offs | 394.1305% | 772 |
| Earnings coverage of net charge-offs (x) | 14.4747% | 2,288 |
| Efficiency ratio | 67.5428% | 3,653 |
| Assets per employee ($millions) | 5.7976% | 1,539 |
| Cash dividends to net income (ytd only)* | 21.6591% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,742 |
| Loan loss allowance to noncurrent loans | 99.4391% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 2,376 |
| Noncurrent loans to loans | 1.1588% | 2,036 |
| Net loans and leases to total assets | 68.3718% | 2,647 |
| Net loans and leases to deposits | 84.4985% | 2,307 |
| Net loans and leases to core deposits | 89.0274% | 2,497 |
| Total domestic deposits to total assets | 80.9148% | 4,507 |
| Equity capital to assets | 11.1484% | 2,678 |
| Core capital (leverage) ratio | 9.1565% | 4,675 |
| Tier 1 risk-based capital ratio | 10.6428% | 5,705 |
| Total risk-based capital ratio | 11.7308% | 5,705 |
| Memoranda: | ||
| Average total assets | $21,384,084,000 | 71 |
| Average earning assets | $19,091,644,200 | 70 |
| Average equity | $2,499,719,200 | 70 |
| Average total loans | $14,546,507,200 | 68 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5862% | 4,777 |
| Cost of funding earning assets | 0.2177% | 5,209 |
| Net interest margin | 3.3686% | 4,083 |
| Noninterest income to average assets | 1.1187% | 964 |
| Noninterest expense to average assets | 2.8963% | 2,859 |
| Loan and lease loss provision to assets | 0.1321% | 1,696 |
| Net operating income to assets | 0.7945% | 3,456 |
| Return on assets (ROA) | 0.7960% | 3,540 |
| Pretax return on assets | 1.0934% | 3,258 |
| Return on Equity (ROE) | 6.7255% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.0663% | 2,864 |
| Net charge-offs to loans | 0.0940% | 2,226 |
| Credit loss provision to net charge-offs | 207.6663% | 1,299 |
| Earnings coverage of net charge-offs (x) | 19.2268% | 1,953 |
| Efficiency ratio | 67.4611% | 3,638 |
| Assets per employee ($millions) | 5.5685% | 1,714 |
| Cash dividends to net income (ytd only)* | 24.6705% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 5,001 |
| Loan loss allowance to noncurrent loans | 72.7959% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 2,271 |
| Noncurrent loans to loans | 1.2970% | 1,971 |
| Net loans and leases to total assets | 68.0733% | 2,664 |
| Net loans and leases to deposits | 83.6670% | 2,448 |
| Net loans and leases to core deposits | 89.4630% | 2,516 |
| Total domestic deposits to total assets | 80.3407% | 4,659 |
| Equity capital to assets | 11.8575% | 2,209 |
| Core capital (leverage) ratio | 9.3623% | 4,497 |
| Tier 1 risk-based capital ratio | 11.1326% | 5,589 |
| Total risk-based capital ratio | 12.0443% | 5,689 |
| Memoranda: | ||
| Average total assets | $21,046,997,000 | 71 |
| Average earning assets | $18,750,543,250 | 69 |
| Average equity | $2,491,074,500 | 69 |
| Average total loans | $14,252,193,750 | 68 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,752 |
| Cost of funding earning assets | 0.2077% | 5,376 |
| Net interest margin | 3.3801% | 3,971 |
| Noninterest income to average assets | 1.1052% | 991 |
| Noninterest expense to average assets | 2.9417% | 2,744 |
| Loan and lease loss provision to assets | 0.0979% | 2,187 |
| Net operating income to assets | 0.7773% | 3,502 |
| Return on assets (ROA) | 0.7796% | 3,592 |
| Pretax return on assets | 1.0749% | 3,277 |
| Return on Equity (ROE) | 6.5913% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.0824% | 3,424 |
| Net charge-offs to loans | 0.1123% | 1,881 |
| Credit loss provision to net charge-offs | 129.4267% | 1,702 |
| Earnings coverage of net charge-offs (x) | 15.4642% | 1,973 |
| Efficiency ratio | 68.6485% | 3,562 |
| Assets per employee ($millions) | 5.6058% | 1,653 |
| Cash dividends to net income (ytd only)* | 38.0639% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 5,258 |
| Loan loss allowance to noncurrent loans | 92.7052% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 2,891 |
| Noncurrent loans to loans | 0.9843% | 2,670 |
| Net loans and leases to total assets | 66.4049% | 2,888 |
| Net loans and leases to deposits | 81.7613% | 2,588 |
| Net loans and leases to core deposits | 87.3555% | 2,622 |
| Total domestic deposits to total assets | 79.6265% | 4,947 |
| Equity capital to assets | 11.6302% | 2,311 |
| Core capital (leverage) ratio | 9.4250% | 4,383 |
| Tier 1 risk-based capital ratio | 11.1616% | 5,638 |
| Total risk-based capital ratio | 12.0480% | 5,740 |
| Memoranda: | ||
| Average total assets | $20,892,332,000 | 72 |
| Average earning assets | $18,581,141,670 | 71 |
| Average equity | $2,471,208,670 | 71 |
| Average total loans | $14,075,316,670 | 70 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 4,409 |
| Cost of funding earning assets | 0.2054% | 5,458 |
| Net interest margin | 3.4837% | 3,500 |
| Noninterest income to average assets | 1.0923% | 948 |
| Noninterest expense to average assets | 2.9349% | 2,792 |
| Loan and lease loss provision to assets | 0.1112% | 1,861 |
| Net operating income to assets | 0.8220% | 3,146 |
| Return on assets (ROA) | 0.8266% | 3,257 |
| Pretax return on assets | 1.1435% | 2,889 |
| Return on Equity (ROE) | 6.9281% | 3,547 |
| Retained earnings to average equity (ytd only) | 1.8879% | 4,719 |
| Net charge-offs to loans | 0.1754% | 1,226 |
| Credit loss provision to net charge-offs | 93.8451% | 1,718 |
| Earnings coverage of net charge-offs (x) | 10.5331% | 1,929 |
| Efficiency ratio | 67.2301% | 3,949 |
| Assets per employee ($millions) | 5.4605% | 1,827 |
| Cash dividends to net income (ytd only)* | 72.7495% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 5,371 |
| Loan loss allowance to noncurrent loans | 107.6693% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 3,162 |
| Noncurrent loans to loans | 0.8551% | 3,106 |
| Net loans and leases to total assets | 67.0423% | 2,603 |
| Net loans and leases to deposits | 81.3513% | 2,401 |
| Net loans and leases to core deposits | 87.3499% | 2,393 |
| Total domestic deposits to total assets | 80.5114% | 4,930 |
| Equity capital to assets | 11.9760% | 2,041 |
| Core capital (leverage) ratio | 9.4525% | 4,349 |
| Tier 1 risk-based capital ratio | 11.1599% | 5,730 |
| Total risk-based capital ratio | 12.1679% | 5,771 |
| Memoranda: | ||
| Average total assets | $20,620,187,000 | 72 |
| Average earning assets | $18,294,852,000 | 71 |
| Average equity | $2,460,255,500 | 71 |
| Average total loans | $13,929,943,500 | 70 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,617 |
| Cost of funding earning assets | 0.1965% | 5,774 |
| Net interest margin | 3.8294% | 2,514 |
| Noninterest income to average assets | 1.0678% | 1,064 |
| Noninterest expense to average assets | 3.0474% | 2,699 |
| Loan and lease loss provision to assets | 0.0751% | 2,982 |
| Net operating income to assets | 0.9412% | 2,666 |
| Return on assets (ROA) | 0.9412% | 2,763 |
| Pretax return on assets | 1.2913% | 2,272 |
| Return on Equity (ROE) | 7.5731% | 3,336 |
| Retained earnings to average equity (ytd only) | 2.4953% | 4,460 |
| Net charge-offs to loans | 0.1507% | 2,528 |
| Credit loss provision to net charge-offs | 75.2090% | 2,965 |
| Earnings coverage of net charge-offs (x) | 13.6854% | 2,250 |
| Efficiency ratio | 65.9522% | 4,259 |
| Assets per employee ($millions) | 5.3605% | 1,898 |
| Cash dividends to net income (ytd only)* | 67.0509% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 5,382 |
| Loan loss allowance to noncurrent loans | 115.0719% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 3,149 |
| Noncurrent loans to loans | 0.8041% | 3,299 |
| Net loans and leases to total assets | 66.8205% | 2,756 |
| Net loans and leases to deposits | 82.9398% | 2,348 |
| Net loans and leases to core deposits | 88.2645% | 2,467 |
| Total domestic deposits to total assets | 78.2193% | 5,391 |
| Equity capital to assets | 11.8867% | 2,100 |
| Core capital (leverage) ratio | 9.1264% | 4,785 |
| Tier 1 risk-based capital ratio | 11.1328% | 5,850 |
| Total risk-based capital ratio | 12.1997% | 5,857 |
| Memoranda: | ||
| Average total assets | $19,649,756,200 | 68 |
| Average earning assets | $17,169,689,600 | 71 |
| Average equity | $2,441,973,400 | 66 |
| Average total loans | $13,016,380,400 | 68 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 3,335 |
| Cost of funding earning assets | 0.1944% | 5,878 |
| Net interest margin | 3.9153% | 2,174 |
| Noninterest income to average assets | 1.0943% | 1,017 |
| Noninterest expense to average assets | 3.0889% | 2,503 |
| Loan and lease loss provision to assets | 0.0656% | 3,041 |
| Net operating income to assets | 0.9777% | 2,550 |
| Return on assets (ROA) | 0.9775% | 2,624 |
| Pretax return on assets | 1.3477% | 2,206 |
| Return on Equity (ROE) | 7.7756% | 3,331 |
| Retained earnings to average equity (ytd only) | 2.6924% | 4,671 |
| Net charge-offs to loans | 0.1835% | 1,990 |
| Credit loss provision to net charge-offs | 54.2542% | 3,038 |
| Earnings coverage of net charge-offs (x) | 11.6847% | 2,393 |
| Efficiency ratio | 65.4984% | 4,297 |
| Assets per employee ($millions) | 5.2498% | 1,960 |
| Cash dividends to net income (ytd only)* | 65.3737% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 5,467 |
| Loan loss allowance to noncurrent loans | 97.9310% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 3,123 |
| Noncurrent loans to loans | 0.9595% | 3,162 |
| Net loans and leases to total assets | 66.6221% | 2,751 |
| Net loans and leases to deposits | 83.6754% | 2,195 |
| Net loans and leases to core deposits | 88.4514% | 2,378 |
| Total domestic deposits to total assets | 77.7141% | 5,583 |
| Equity capital to assets | 12.4057% | 1,767 |
| Core capital (leverage) ratio | 9.3054% | 4,632 |
| Tier 1 risk-based capital ratio | 11.3243% | 5,870 |
| Total risk-based capital ratio | 12.4000% | 5,886 |
| Memoranda: | ||
| Average total assets | $19,404,052,250 | 70 |
| Average earning assets | $16,890,302,750 | 72 |
| Average equity | $2,439,334,500 | 67 |
| Average total loans | $12,791,587,750 | 71 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,057 |
| Cost of funding earning assets | 0.1979% | 5,932 |
| Net interest margin | 3.9759% | 1,884 |
| Noninterest income to average assets | 1.1057% | 967 |
| Noninterest expense to average assets | 3.1231% | 2,418 |
| Loan and lease loss provision to assets | 0.0704% | 2,865 |
| Net operating income to assets | 0.9791% | 2,414 |
| Return on assets (ROA) | 0.9791% | 2,490 |
| Pretax return on assets | 1.3595% | 2,043 |
| Return on Equity (ROE) | 7.7536% | 3,232 |
| Retained earnings to average equity (ytd only) | 2.6523% | 4,516 |
| Net charge-offs to loans | 0.1862% | 1,913 |
| Credit loss provision to net charge-offs | 57.7772% | 2,672 |
| Earnings coverage of net charge-offs (x) | 11.7287% | 2,129 |
| Efficiency ratio | 65.4499% | 4,453 |
| Assets per employee ($millions) | 4.9310% | 2,301 |
| Cash dividends to net income (ytd only)* | 65.7930% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 5,366 |
| Loan loss allowance to noncurrent loans | 88.6568% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 2,943 |
| Noncurrent loans to loans | 1.1245% | 2,974 |
| Net loans and leases to total assets | 66.4590% | 2,681 |
| Net loans and leases to deposits | 83.3571% | 2,105 |
| Net loans and leases to core deposits | 88.3106% | 2,279 |
| Total domestic deposits to total assets | 77.6205% | 5,701 |
| Equity capital to assets | 12.7488% | 1,516 |
| Core capital (leverage) ratio | 9.4443% | 4,404 |
| Tier 1 risk-based capital ratio | 11.5802% | 5,759 |
| Total risk-based capital ratio | 12.7161% | 5,771 |
| Memoranda: | ||
| Average total assets | $19,248,588,000 | 70 |
| Average earning assets | $16,689,163,330 | 72 |
| Average equity | $2,430,754,000 | 66 |
| Average total loans | $12,600,889,330 | 71 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 2,917 |
| Cost of funding earning assets | 0.2018% | 5,976 |
| Net interest margin | 3.9869% | 1,808 |
| Noninterest income to average assets | 1.0316% | 1,059 |
| Noninterest expense to average assets | 2.9928% | 2,879 |
| Loan and lease loss provision to assets | 0.0231% | 3,531 |
| Net operating income to assets | 1.0947% | 1,834 |
| Return on assets (ROA) | 1.0946% | 1,900 |
| Pretax return on assets | 1.4689% | 1,518 |
| Return on Equity (ROE) | 8.7098% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.5871% | 3,980 |
| Net charge-offs to loans | 0.2085% | 1,498 |
| Credit loss provision to net charge-offs | 17.1085% | 2,535 |
| Earnings coverage of net charge-offs (x) | 11.0729% | 1,805 |
| Efficiency ratio | 63.4723% | 4,940 |
| Assets per employee ($millions) | 4.7553% | 2,589 |
| Cash dividends to net income (ytd only)* | 58.8157% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 5,436 |
| Loan loss allowance to noncurrent loans | 72.2789% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 2,683 |
| Noncurrent loans to loans | 1.4145% | 2,663 |
| Net loans and leases to total assets | 65.7321% | 2,612 |
| Net loans and leases to deposits | 80.8549% | 2,180 |
| Net loans and leases to core deposits | 85.7715% | 2,347 |
| Total domestic deposits to total assets | 79.1967% | 5,655 |
| Equity capital to assets | 12.8799% | 1,367 |
| Core capital (leverage) ratio | 9.3228% | 4,536 |
| Tier 1 risk-based capital ratio | 11.7237% | 5,799 |
| Total risk-based capital ratio | 13.0206% | 5,712 |
| Memoranda: | ||
| Average total assets | $19,259,883,500 | 69 |
| Average earning assets | $16,681,555,500 | 70 |
| Average equity | $2,420,587,500 | 64 |
| Average total loans | $12,448,295,500 | 69 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 602 |
| Cost of funding earning assets | 0.3339% | 5,293 |
| Net interest margin | 4.8937% | 367 |
| Noninterest income to average assets | 2.2234% | 341 |
| Noninterest expense to average assets | 4.9665% | 358 |
| Loan and lease loss provision to assets | 0.2939% | 1,153 |
| Net operating income to assets | 0.7428% | 3,596 |
| Return on assets (ROA) | 0.7453% | 3,669 |
| Pretax return on assets | 0.9677% | 3,490 |
| Return on Equity (ROE) | 7.2594% | 3,430 |
| Retained earnings to average equity (ytd only) | -2.3459% | 6,206 |
| Net charge-offs to loans | 0.4825% | 1,380 |
| Credit loss provision to net charge-offs | 91.5462% | 2,713 |
| Earnings coverage of net charge-offs (x) | 3.9195% | 3,717 |
| Efficiency ratio | 78.9485% | 2,330 |
| Assets per employee ($millions) | 3.1336% | 5,609 |
| Cash dividends to net income (ytd only)* | 132.3155% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 1,319 |
| Loan loss allowance to noncurrent loans | 67.1764% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.8642% | 1,124 |
| Noncurrent loans to loans | 3.1410% | 1,094 |
| Net loans and leases to total assets | 65.4013% | 2,791 |
| Net loans and leases to deposits | 86.7390% | 1,604 |
| Net loans and leases to core deposits | 91.4519% | 1,851 |
| Total domestic deposits to total assets | 75.4001% | 6,154 |
| Equity capital to assets | 10.2482% | 3,448 |
| Core capital (leverage) ratio | 8.9749% | 5,044 |
| Tier 1 risk-based capital ratio | 12.2144% | 5,484 |
| Total risk-based capital ratio | 13.4767% | 5,406 |
| Memoranda: | ||
| Average total assets | $6,591,477,000 | 146 |
| Average earning assets | $5,389,716,800 | 156 |
| Average equity | $676,712,000 | 162 |
| Average total loans | $4,386,127,400 | 147 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 606 |
| Cost of funding earning assets | 0.3414% | 5,371 |
| Net interest margin | 4.8917% | 370 |
| Noninterest income to average assets | 2.3946% | 313 |
| Noninterest expense to average assets | 4.9534% | 347 |
| Loan and lease loss provision to assets | 0.4228% | 693 |
| Net operating income to assets | 0.7834% | 3,434 |
| Return on assets (ROA) | 0.7846% | 3,557 |
| Pretax return on assets | 1.0101% | 3,469 |
| Return on Equity (ROE) | 7.6392% | 3,315 |
| Retained earnings to average equity (ytd only) | -3.2021% | 6,372 |
| Net charge-offs to loans | 0.6281% | 982 |
| Credit loss provision to net charge-offs | 101.2753% | 2,311 |
| Earnings coverage of net charge-offs (x) | 3.4283% | 3,704 |
| Efficiency ratio | 76.7603% | 2,604 |
| Assets per employee ($millions) | 3.0842% | 5,710 |
| Cash dividends to net income (ytd only)* | 141.9172% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2154% | 1,304 |
| Loan loss allowance to noncurrent loans | 59.5483% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.2389% | 1,097 |
| Noncurrent loans to loans | 3.7203% | 995 |
| Net loans and leases to total assets | 63.6761% | 3,051 |
| Net loans and leases to deposits | 82.4446% | 2,083 |
| Net loans and leases to core deposits | 85.7995% | 2,432 |
| Total domestic deposits to total assets | 77.2350% | 6,014 |
| Equity capital to assets | 9.9249% | 4,018 |
| Core capital (leverage) ratio | 8.9051% | 5,256 |
| Tier 1 risk-based capital ratio | 12.4361% | 5,494 |
| Total risk-based capital ratio | 13.7003% | 5,423 |
| Memoranda: | ||
| Average total assets | $6,585,572,250 | 145 |
| Average earning assets | $5,371,742,250 | 153 |
| Average equity | $676,407,250 | 160 |
| Average total loans | $4,377,756,500 | 143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 627 |
| Cost of funding earning assets | 0.3515% | 5,391 |
| Net interest margin | 4.8598% | 396 |
| Noninterest income to average assets | 2.5099% | 319 |
| Noninterest expense to average assets | 4.7488% | 427 |
| Loan and lease loss provision to assets | 0.4194% | 722 |
| Net operating income to assets | 1.0193% | 2,247 |
| Return on assets (ROA) | 1.0205% | 2,362 |
| Pretax return on assets | 1.3083% | 2,269 |
| Return on Equity (ROE) | 9.8248% | 2,269 |
| Retained earnings to average equity (ytd only) | -3.3463% | 6,345 |
| Net charge-offs to loans | 0.7012% | 934 |
| Credit loss provision to net charge-offs | 89.3697% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.6781% | 3,336 |
| Efficiency ratio | 72.5255% | 3,383 |
| Assets per employee ($millions) | 3.0006% | 5,853 |
| Cash dividends to net income (ytd only)* | 134.0602% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1222% | 1,580 |
| Loan loss allowance to noncurrent loans | 52.2751% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 3.2747% | 1,204 |
| Noncurrent loans to loans | 4.0598% | 951 |
| Net loans and leases to total assets | 64.7828% | 2,796 |
| Net loans and leases to deposits | 81.3460% | 2,136 |
| Net loans and leases to core deposits | 85.6803% | 2,364 |
| Total domestic deposits to total assets | 79.6385% | 5,682 |
| Equity capital to assets | 10.0048% | 3,910 |
| Core capital (leverage) ratio | 9.0444% | 4,915 |
| Tier 1 risk-based capital ratio | 12.3963% | 5,575 |
| Total risk-based capital ratio | 13.6594% | 5,508 |
| Memoranda: | ||
| Average total assets | $6,578,615,670 | 145 |
| Average earning assets | $5,367,537,000 | 152 |
| Average equity | $683,314,670 | 159 |
| Average total loans | $4,402,998,330 | 142 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 874 |
| Cost of funding earning assets | 0.3700% | 5,371 |
| Net interest margin | 4.6387% | 531 |
| Noninterest income to average assets | 2.5328% | 317 |
| Noninterest expense to average assets | 4.7900% | 427 |
| Loan and lease loss provision to assets | 0.5185% | 513 |
| Net operating income to assets | 0.7841% | 3,254 |
| Return on assets (ROA) | 0.7841% | 3,385 |
| Pretax return on assets | 1.0125% | 3,295 |
| Return on Equity (ROE) | 7.4102% | 3,260 |
| Retained earnings to average equity (ytd only) | 1.6327% | 5,165 |
| Net charge-offs to loans | 0.5836% | 1,043 |
| Credit loss provision to net charge-offs | 132.0000% | 1,498 |
| Earnings coverage of net charge-offs (x) | 3.8977% | 2,650 |
| Efficiency ratio | 74.9347% | 3,106 |
| Assets per employee ($millions) | 2.8621% | 6,198 |
| Cash dividends to net income (ytd only)* | 77.9666% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 1,553 |
| Loan loss allowance to noncurrent loans | 47.2542% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.7944% | 1,088 |
| Noncurrent loans to loans | 4.6946% | 854 |
| Net loans and leases to total assets | 66.1665% | 2,346 |
| Net loans and leases to deposits | 82.0951% | 1,815 |
| Net loans and leases to core deposits | 88.9975% | 1,807 |
| Total domestic deposits to total assets | 80.5974% | 5,603 |
| Equity capital to assets | 10.7052% | 3,312 |
| Core capital (leverage) ratio | 9.2794% | 4,435 |
| Tier 1 risk-based capital ratio | 13.2804% | 5,029 |
| Total risk-based capital ratio | 14.5464% | 4,967 |
| Memoranda: | ||
| Average total assets | $6,543,229,500 | 149 |
| Average earning assets | $5,343,338,500 | 157 |
| Average equity | $692,343,500 | 159 |
| Average total loans | $4,403,968,000 | 146 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4864% | 639 |
| Cost of funding earning assets | 0.4322% | 5,703 |
| Net interest margin | 5.0543% | 349 |
| Noninterest income to average assets | 2.0940% | 405 |
| Noninterest expense to average assets | 4.7769% | 446 |
| Loan and lease loss provision to assets | 0.3371% | 1,993 |
| Net operating income to assets | 0.9091% | 2,774 |
| Return on assets (ROA) | 0.9163% | 2,978 |
| Pretax return on assets | 1.1633% | 2,937 |
| Return on Equity (ROE) | 9.1442% | 2,564 |
| Retained earnings to average equity (ytd only) | 7.1700% | 1,490 |
| Net charge-offs to loans | 0.7124% | 1,655 |
| Credit loss provision to net charge-offs | 73.0055% | 4,070 |
| Earnings coverage of net charge-offs (x) | 3.2291% | 3,818 |
| Efficiency ratio | 75.3800% | 2,848 |
| Assets per employee ($millions) | 2.9245% | 6,122 |
| Cash dividends to net income (ytd only)* | 21.5889% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 1,658 |
| Loan loss allowance to noncurrent loans | 40.9680% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 4.1665% | 1,014 |
| Noncurrent loans to loans | 5.2356% | 738 |
| Net loans and leases to total assets | 65.5159% | 2,606 |
| Net loans and leases to deposits | 83.5212% | 1,812 |
| Net loans and leases to core deposits | 94.3207% | 1,439 |
| Total domestic deposits to total assets | 78.4423% | 6,006 |
| Equity capital to assets | 10.4598% | 3,573 |
| Core capital (leverage) ratio | 9.1703% | 4,629 |
| Tier 1 risk-based capital ratio | 12.9820% | 5,118 |
| Total risk-based capital ratio | 14.2470% | 5,045 |
| Memoranda: | ||
| Average total assets | $6,318,582,600 | 151 |
| Average earning assets | $5,218,281,600 | 156 |
| Average equity | $633,190,600 | 166 |
| Average total loans | $4,095,984,000 | 148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4842% | 703 |
| Cost of funding earning assets | 0.4518% | 5,782 |
| Net interest margin | 5.0324% | 380 |
| Noninterest income to average assets | 2.1075% | 397 |
| Noninterest expense to average assets | 4.8598% | 402 |
| Loan and lease loss provision to assets | 0.1578% | 3,544 |
| Net operating income to assets | 0.9500% | 2,744 |
| Return on assets (ROA) | 0.9516% | 2,965 |
| Pretax return on assets | 1.2755% | 2,686 |
| Return on Equity (ROE) | 9.6076% | 2,540 |
| Retained earnings to average equity (ytd only) | 9.6076% | 1,025 |
| Net charge-offs to loans | 0.5628% | 1,927 |
| Credit loss provision to net charge-offs | 43.6323% | 4,538 |
| Earnings coverage of net charge-offs (x) | 3.9572% | 3,444 |
| Efficiency ratio | 76.4386% | 2,604 |
| Assets per employee ($millions) | 2.9112% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 1,875 |
| Loan loss allowance to noncurrent loans | 34.2694% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 4.9373% | 912 |
| Noncurrent loans to loans | 6.1690% | 644 |
| Net loans and leases to total assets | 64.5126% | 2,928 |
| Net loans and leases to deposits | 85.4298% | 1,670 |
| Net loans and leases to core deposits | 88.7895% | 2,125 |
| Total domestic deposits to total assets | 75.5153% | 6,451 |
| Equity capital to assets | 10.5234% | 3,815 |
| Core capital (leverage) ratio | 9.0027% | 5,066 |
| Tier 1 risk-based capital ratio | 13.1316% | 5,143 |
| Total risk-based capital ratio | 14.3967% | 5,098 |
| Memoranda: | ||
| Average total assets | $6,243,687,750 | 152 |
| Average earning assets | $5,190,408,750 | 159 |
| Average equity | $618,427,000 | 167 |
| Average total loans | $4,012,231,750 | 148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 938 |
| Cost of funding earning assets | 0.4815% | 5,744 |
| Net interest margin | 4.8809% | 488 |
| Noninterest income to average assets | 2.1314% | 366 |
| Noninterest expense to average assets | 4.8942% | 404 |
| Loan and lease loss provision to assets | 0.0538% | 4,988 |
| Net operating income to assets | 0.9371% | 2,728 |
| Return on assets (ROA) | 0.9372% | 2,989 |
| Pretax return on assets | 1.2300% | 2,805 |
| Return on Equity (ROE) | 9.6815% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.6815% | 1,066 |
| Net charge-offs to loans | 0.5645% | 1,904 |
| Credit loss provision to net charge-offs | 14.9681% | 4,682 |
| Earnings coverage of net charge-offs (x) | 3.5717% | 3,332 |
| Efficiency ratio | 78.4351% | 2,406 |
| Assets per employee ($millions) | 2.9585% | 6,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,726 |
| Loan loss allowance to noncurrent loans | 189.1344% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 3,144 |
| Noncurrent loans to loans | 1.1744% | 4,191 |
| Net loans and leases to total assets | 63.3854% | 3,166 |
| Net loans and leases to deposits | 82.3205% | 2,075 |
| Net loans and leases to core deposits | 85.2507% | 2,525 |
| Total domestic deposits to total assets | 76.9983% | 6,323 |
| Equity capital to assets | 10.1814% | 4,079 |
| Core capital (leverage) ratio | 8.7617% | 5,279 |
| Tier 1 risk-based capital ratio | 12.4444% | 5,608 |
| Total risk-based capital ratio | 13.7181% | 5,572 |
| Memoranda: | ||
| Average total assets | $6,104,661,330 | 152 |
| Average earning assets | $5,061,092,670 | 161 |
| Average equity | $590,922,000 | 176 |
| Average total loans | $3,886,363,330 | 151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 2,721 |
| Cost of funding earning assets | 0.5476% | 5,511 |
| Net interest margin | 4.2312% | 1,671 |
| Noninterest income to average assets | 2.1788% | 356 |
| Noninterest expense to average assets | 4.7762% | 433 |
| Loan and lease loss provision to assets | -0.2538% | 7,219 |
| Net operating income to assets | 1.0004% | 2,481 |
| Return on assets (ROA) | 1.0006% | 2,670 |
| Pretax return on assets | 1.1404% | 3,159 |
| Return on Equity (ROE) | 10.6563% | 2,162 |
| Retained earnings to average equity (ytd only) | 10.6563% | 1,126 |
| Net charge-offs to loans | 0.4187% | 2,051 |
| Credit loss provision to net charge-offs | -96.2111% | 5,489 |
| Earnings coverage of net charge-offs (x) | 3.3603% | 2,869 |
| Efficiency ratio | 83.6569% | 1,722 |
| Assets per employee ($millions) | 2.9495% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 1,731 |
| Loan loss allowance to noncurrent loans | 175.0121% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 3,035 |
| Noncurrent loans to loans | 1.2986% | 4,175 |
| Net loans and leases to total assets | 63.5855% | 2,924 |
| Net loans and leases to deposits | 77.7800% | 2,551 |
| Net loans and leases to core deposits | 80.6811% | 2,986 |
| Total domestic deposits to total assets | 81.7504% | 5,376 |
| Equity capital to assets | 10.0515% | 4,063 |
| Core capital (leverage) ratio | 10.8589% | 2,377 |
| Tier 1 risk-based capital ratio | 12.0780% | 5,909 |
| Total risk-based capital ratio | 13.3468% | 5,874 |
| Memoranda: | ||
| Average total assets | $5,803,555,000 | 156 |
| Average earning assets | $4,778,299,500 | 164 |
| Average equity | $544,954,500 | 181 |
| Average total loans | $3,655,668,500 | 158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 4,236 |
| Cost of funding earning assets | 0.8753% | 4,291 |
| Net interest margin | 3.8273% | 3,687 |
| Noninterest income to average assets | 2.2871% | 309 |
| Noninterest expense to average assets | 4.1279% | 882 |
| Loan and lease loss provision to assets | 0.3831% | 2,696 |
| Net operating income to assets | 0.7816% | 3,131 |
| Return on assets (ROA) | 0.7808% | 3,294 |
| Pretax return on assets | 0.9552% | 3,410 |
| Return on Equity (ROE) | 9.5447% | 2,232 |
| Retained earnings to average equity (ytd only) | -4.0988% | 6,376 |
| Net charge-offs to loans | 1.0534% | 1,646 |
| Credit loss provision to net charge-offs | 65.3923% | 5,013 |
| Earnings coverage of net charge-offs (x) | 2.2861% | 4,079 |
| Efficiency ratio | 74.8838% | 3,074 |
| Assets per employee ($millions) | 2.8851% | 6,310 |
| Cash dividends to net income (ytd only)* | 142.9436% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0206% | 794 |
| Loan loss allowance to noncurrent loans | 109.5028% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 2.8500% | 2,122 |
| Noncurrent loans to loans | 2.7585% | 2,369 |
| Net loans and leases to total assets | 58.4187% | 4,295 |
| Net loans and leases to deposits | 70.7064% | 3,990 |
| Net loans and leases to core deposits | 74.3497% | 4,193 |
| Total domestic deposits to total assets | 82.6215% | 4,911 |
| Equity capital to assets | 8.5123% | 6,139 |
| Core capital (leverage) ratio | 8.1532% | 6,067 |
| Tier 1 risk-based capital ratio | 12.9361% | 5,124 |
| Total risk-based capital ratio | 14.2145% | 5,076 |
| Memoranda: | ||
| Average total assets | $5,290,777,600 | 164 |
| Average earning assets | $4,396,096,800 | 166 |
| Average equity | $432,807,800 | 202 |
| Average total loans | $2,942,401,200 | 177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 4,876 |
| Cost of funding earning assets | 0.9158% | 4,296 |
| Net interest margin | 3.6813% | 4,426 |
| Noninterest income to average assets | 2.2588% | 312 |
| Noninterest expense to average assets | 4.0882% | 909 |
| Loan and lease loss provision to assets | 0.3563% | 2,735 |
| Net operating income to assets | 0.7063% | 3,582 |
| Return on assets (ROA) | 0.7053% | 3,757 |
| Pretax return on assets | 0.8767% | 3,856 |
| Return on Equity (ROE) | 8.7034% | 2,743 |
| Retained earnings to average equity (ytd only) | -9.4019% | 6,838 |
| Net charge-offs to loans | 0.7069% | 2,146 |
| Credit loss provision to net charge-offs | 92.4088% | 3,690 |
| Earnings coverage of net charge-offs (x) | 3.2012% | 3,541 |
| Efficiency ratio | 76.1999% | 2,813 |
| Assets per employee ($millions) | 2.9622% | 6,205 |
| Cash dividends to net income (ytd only)* | 208.0251% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7433% | 1,081 |
| Loan loss allowance to noncurrent loans | 127.0306% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 2.0413% | 3,091 |
| Noncurrent loans to loans | 2.1596% | 3,164 |
| Net loans and leases to total assets | 57.2145% | 4,641 |
| Net loans and leases to deposits | 66.7873% | 4,788 |
| Net loans and leases to core deposits | 70.6845% | 4,867 |
| Total domestic deposits to total assets | 85.6669% | 3,402 |
| Equity capital to assets | 8.3522% | 6,442 |
| Core capital (leverage) ratio | 6.9331% | 6,979 |
| Tier 1 risk-based capital ratio | 12.2239% | 5,726 |
| Total risk-based capital ratio | 13.4963% | 5,692 |
| Memoranda: | ||
| Average total assets | $5,366,374,000 | 161 |
| Average earning assets | $4,465,976,250 | 164 |
| Average equity | $434,852,750 | 202 |
| Average total loans | $2,926,771,500 | 179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 5,630 |
| Cost of funding earning assets | 0.9445% | 4,364 |
| Net interest margin | 3.4725% | 5,281 |
| Noninterest income to average assets | 2.2353% | 312 |
| Noninterest expense to average assets | 3.9065% | 1,181 |
| Loan and lease loss provision to assets | 0.4182% | 2,344 |
| Net operating income to assets | 0.6765% | 3,659 |
| Return on assets (ROA) | 0.6749% | 3,786 |
| Pretax return on assets | 0.8029% | 4,018 |
| Return on Equity (ROE) | 8.4094% | 2,764 |
| Retained earnings to average equity (ytd only) | -18.5975% | 7,116 |
| Net charge-offs to loans | 0.8029% | 1,898 |
| Credit loss provision to net charge-offs | 97.9202% | 3,224 |
| Earnings coverage of net charge-offs (x) | 2.8635% | 3,409 |
| Efficiency ratio | 75.5170% | 3,100 |
| Assets per employee ($millions) | 3.5008% | 4,935 |
| Cash dividends to net income (ytd only)* | 321.1508% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6697% | 1,210 |
| Loan loss allowance to noncurrent loans | 98.7877% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 2.0442% | 3,179 |
| Noncurrent loans to loans | 2.7024% | 2,695 |
| Net loans and leases to total assets | 48.4198% | 6,009 |
| Net loans and leases to deposits | 64.9986% | 5,153 |
| Net loans and leases to core deposits | 69.6322% | 5,112 |
| Total domestic deposits to total assets | 74.4935% | 6,785 |
| Equity capital to assets | 6.8886% | 7,129 |
| Core capital (leverage) ratio | 6.5769% | 7,110 |
| Tier 1 risk-based capital ratio | 11.6812% | 6,027 |
| Total risk-based capital ratio | 12.9518% | 6,013 |
| Memoranda: | ||
| Average total assets | $5,448,919,670 | 161 |
| Average earning assets | $4,541,330,000 | 167 |
| Average equity | $437,294,330 | 204 |
| Average total loans | $2,898,605,330 | 183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 5,032 |
| Cost of funding earning assets | 1.0524% | 3,836 |
| Net interest margin | 3.5270% | 4,892 |
| Noninterest income to average assets | 2.1983% | 321 |
| Noninterest expense to average assets | 4.0657% | 961 |
| Loan and lease loss provision to assets | 0.5755% | 1,500 |
| Net operating income to assets | 0.4584% | 4,667 |
| Return on assets (ROA) | 0.4545% | 4,782 |
| Pretax return on assets | 0.4635% | 5,141 |
| Return on Equity (ROE) | 5.2360% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.6369% | 5,134 |
| Net charge-offs to loans | 0.7234% | 1,771 |
| Credit loss provision to net charge-offs | 144.1546% | 1,964 |
| Earnings coverage of net charge-offs (x) | 2.6124% | 3,034 |
| Efficiency ratio | 78.8841% | 2,707 |
| Assets per employee ($millions) | 3.1334% | 5,867 |
| Cash dividends to net income (ytd only)* | 68.7373% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 2,199 |
| Loan loss allowance to noncurrent loans | 79.0676% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.0804% | 3,220 |
| Noncurrent loans to loans | 2.6488% | 2,849 |
| Net loans and leases to total assets | 52.1784% | 5,555 |
| Net loans and leases to deposits | 61.8212% | 5,521 |
| Net loans and leases to core deposits | 65.8985% | 5,524 |
| Total domestic deposits to total assets | 84.4021% | 4,324 |
| Equity capital to assets | 8.5364% | 5,854 |
| Core capital (leverage) ratio | 8.1182% | 6,097 |
| Tier 1 risk-based capital ratio | 14.7809% | 3,554 |
| Total risk-based capital ratio | 16.0475% | 3,511 |
| Memoranda: | ||
| Average total assets | $5,185,416,500 | 166 |
| Average earning assets | $4,278,641,000 | 173 |
| Average equity | $450,111,500 | 199 |
| Average total loans | $2,861,460,500 | 183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 5,951 |
| Cost of funding earning assets | 1.3076% | 3,834 |
| Net interest margin | 3.3438% | 5,817 |
| Noninterest income to average assets | 1.9998% | 395 |
| Noninterest expense to average assets | 3.7470% | 1,595 |
| Loan and lease loss provision to assets | 0.7485% | 2,194 |
| Net operating income to assets | 0.3459% | 4,757 |
| Return on assets (ROA) | 0.3459% | 4,917 |
| Pretax return on assets | 0.2997% | 5,230 |
| Return on Equity (ROE) | 4.1253% | 4,469 |
| Retained earnings to average equity (ytd only) | -0.4398% | 5,695 |
| Net charge-offs to loans | 1.1275% | 1,976 |
| Credit loss provision to net charge-offs | 121.8109% | 3,447 |
| Earnings coverage of net charge-offs (x) | 1.7058% | 4,443 |
| Efficiency ratio | 77.3167% | 2,823 |
| Assets per employee ($millions) | 3.0613% | 5,971 |
| Cash dividends to net income (ytd only)* | 110.6608% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,578 |
| Loan loss allowance to noncurrent loans | 55.6140% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 3,134 |
| Noncurrent loans to loans | 2.8726% | 2,652 |
| Net loans and leases to total assets | 56.2352% | 5,306 |
| Net loans and leases to deposits | 66.5876% | 5,322 |
| Net loans and leases to core deposits | 71.6943% | 5,242 |
| Total domestic deposits to total assets | 84.4529% | 4,146 |
| Equity capital to assets | 8.8302% | 5,391 |
| Core capital (leverage) ratio | 8.0280% | 6,156 |
| Tier 1 risk-based capital ratio | 15.1978% | 3,151 |
| Total risk-based capital ratio | 16.4597% | 3,096 |
| Memoranda: | ||
| Average total assets | $5,420,395,200 | 160 |
| Average earning assets | $4,531,567,800 | 165 |
| Average equity | $454,537,600 | 196 |
| Average total loans | $2,954,269,000 | 181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 6,175 |
| Cost of funding earning assets | 1.3859% | 3,661 |
| Net interest margin | 3.2689% | 6,117 |
| Noninterest income to average assets | 1.9768% | 382 |
| Noninterest expense to average assets | 3.6954% | 1,575 |
| Loan and lease loss provision to assets | 0.8138% | 1,860 |
| Net operating income to assets | 0.2782% | 5,247 |
| Return on assets (ROA) | 0.2782% | 5,408 |
| Pretax return on assets | 0.2057% | 5,720 |
| Return on Equity (ROE) | 3.3591% | 5,074 |
| Retained earnings to average equity (ytd only) | -0.0327% | 5,790 |
| Net charge-offs to loans | 1.2270% | 1,667 |
| Credit loss provision to net charge-offs | 123.0634% | 3,336 |
| Earnings coverage of net charge-offs (x) | 1.5417% | 4,569 |
| Efficiency ratio | 77.5395% | 2,687 |
| Assets per employee ($millions) | 3.2362% | 5,602 |
| Cash dividends to net income (ytd only)* | 100.9749% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,723 |
| Loan loss allowance to noncurrent loans | 44.7354% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.3545% | 3,019 |
| Noncurrent loans to loans | 3.4715% | 2,291 |
| Net loans and leases to total assets | 53.6626% | 5,895 |
| Net loans and leases to deposits | 64.7487% | 5,816 |
| Net loans and leases to core deposits | 69.6983% | 5,777 |
| Total domestic deposits to total assets | 82.8782% | 4,641 |
| Equity capital to assets | 8.6774% | 6,061 |
| Core capital (leverage) ratio | 7.7996% | 6,570 |
| Tier 1 risk-based capital ratio | 14.7856% | 3,350 |
| Total risk-based capital ratio | 16.0459% | 3,327 |
| Memoranda: | ||
| Average total assets | $5,505,062,500 | 156 |
| Average earning assets | $4,611,148,750 | 163 |
| Average equity | $455,990,500 | 193 |
| Average total loans | $2,966,808,000 | 180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 6,060 |
| Cost of funding earning assets | 1.4822% | 3,356 |
| Net interest margin | 3.2426% | 6,189 |
| Noninterest income to average assets | 1.8276% | 404 |
| Noninterest expense to average assets | 3.5962% | 1,794 |
| Loan and lease loss provision to assets | 0.9046% | 1,611 |
| Net operating income to assets | 0.1630% | 5,684 |
| Return on assets (ROA) | 0.1630% | 5,804 |
| Pretax return on assets | 0.0523% | 6,068 |
| Return on Equity (ROE) | 1.9976% | 5,634 |
| Retained earnings to average equity (ytd only) | -1.3215% | 6,032 |
| Net charge-offs to loans | 1.3400% | 1,414 |
| Credit loss provision to net charge-offs | 125.7253% | 3,210 |
| Earnings coverage of net charge-offs (x) | 1.3299% | 4,498 |
| Efficiency ratio | 78.0981% | 2,715 |
| Assets per employee ($millions) | 3.2963% | 5,440 |
| Cash dividends to net income (ytd only)* | 166.1532% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 4,010 |
| Loan loss allowance to noncurrent loans | 43.2051% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 2.5232% | 2,861 |
| Noncurrent loans to loans | 3.4275% | 2,319 |
| Net loans and leases to total assets | 52.7906% | 6,133 |
| Net loans and leases to deposits | 63.4848% | 6,092 |
| Net loans and leases to core deposits | 68.1231% | 6,045 |
| Total domestic deposits to total assets | 83.1547% | 4,503 |
| Equity capital to assets | 8.3283% | 6,388 |
| Core capital (leverage) ratio | 7.5107% | 6,818 |
| Tier 1 risk-based capital ratio | 14.6775% | 3,339 |
| Total risk-based capital ratio | 15.9374% | 3,309 |
| Memoranda: | ||
| Average total assets | $5,576,376,670 | 157 |
| Average earning assets | $4,687,066,000 | 161 |
| Average equity | $454,944,000 | 193 |
| Average total loans | $2,994,363,000 | 180 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 5,900 |
| Cost of funding earning assets | 1.6203% | 2,835 |
| Net interest margin | 3.1760% | 6,363 |
| Noninterest income to average assets | 1.8080% | 393 |
| Noninterest expense to average assets | 3.5409% | 1,881 |
| Loan and lease loss provision to assets | 0.9022% | 1,409 |
| Net operating income to assets | 0.1939% | 5,711 |
| Return on assets (ROA) | 0.1939% | 5,831 |
| Pretax return on assets | 0.0413% | 6,278 |
| Return on Equity (ROE) | 2.4009% | 5,595 |
| Retained earnings to average equity (ytd only) | -0.9521% | 6,034 |
| Net charge-offs to loans | 1.2417% | 1,367 |
| Credit loss provision to net charge-offs | 135.1767% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.4136% | 3,899 |
| Efficiency ratio | 78.0253% | 2,892 |
| Assets per employee ($millions) | 3.3643% | 5,390 |
| Cash dividends to net income (ytd only)* | 139.6545% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,412 |
| Loan loss allowance to noncurrent loans | 51.6112% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.8794% | 3,664 |
| Noncurrent loans to loans | 2.7144% | 2,950 |
| Net loans and leases to total assets | 52.7892% | 6,184 |
| Net loans and leases to deposits | 63.4620% | 6,112 |
| Net loans and leases to core deposits | 69.5864% | 5,951 |
| Total domestic deposits to total assets | 83.1824% | 4,531 |
| Equity capital to assets | 8.1620% | 6,481 |
| Core capital (leverage) ratio | 7.3165% | 7,010 |
| Tier 1 risk-based capital ratio | 11.7573% | 5,444 |
| Total risk-based capital ratio | 12.9575% | 5,438 |
| Memoranda: | ||
| Average total assets | $5,613,840,000 | 158 |
| Average earning assets | $4,730,664,000 | 162 |
| Average equity | $453,328,500 | 195 |
| Average total loans | $3,017,594,000 | 182 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 7,324 |
| Cost of funding earning assets | 1.6643% | 4,706 |
| Net interest margin | 2.8991% | 6,873 |
| Noninterest income to average assets | 3.2276% | 213 |
| Noninterest expense to average assets | 3.7747% | 1,741 |
| Loan and lease loss provision to assets | 0.5233% | 3,754 |
| Net operating income to assets | 1.0933% | 1,530 |
| Return on assets (ROA) | 1.0933% | 1,574 |
| Pretax return on assets | 1.4342% | 1,349 |
| Return on Equity (ROE) | 14.5922% | 705 |
| Retained earnings to average equity (ytd only) | 6.5083% | 1,145 |
| Net charge-offs to loans | 0.9408% | 2,514 |
| Credit loss provision to net charge-offs | 106.2331% | 5,214 |
| Earnings coverage of net charge-offs (x) | 3.9740% | 3,119 |
| Efficiency ratio | 65.5452% | 5,484 |
| Assets per employee ($millions) | 3.3488% | 5,379 |
| Cash dividends to net income (ytd only)* | 55.3992% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,599 |
| Loan loss allowance to noncurrent loans | 46.8797% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4664% | 4,199 |
| Noncurrent loans to loans | 2.4689% | 3,082 |
| Net loans and leases to total assets | 52.5565% | 6,355 |
| Net loans and leases to deposits | 63.2029% | 6,345 |
| Net loans and leases to core deposits | 81.6696% | 5,939 |
| Total domestic deposits to total assets | 83.1553% | 4,454 |
| Equity capital to assets | 7.5300% | 7,007 |
| Core capital (leverage) ratio | 9.4495% | 3,782 |
| Tier 1 risk-based capital ratio | 10.3295% | 6,557 |
| Total risk-based capital ratio | 11.2425% | 6,852 |
| Memoranda: | ||
| Average total assets | $4,061,512,400 | 206 |
| Average earning assets | $3,508,757,800 | 210 |
| Average equity | $304,305,800 | 247 |
| Average total loans | $2,126,506,000 | 246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 7,064 |
| Cost of funding earning assets | 1.8124% | 4,330 |
| Net interest margin | 3.0116% | 6,575 |
| Noninterest income to average assets | 2.6607% | 250 |
| Noninterest expense to average assets | 3.8870% | 1,448 |
| Loan and lease loss provision to assets | 0.5285% | 3,272 |
| Net operating income to assets | 0.7346% | 3,073 |
| Return on assets (ROA) | 0.7346% | 3,142 |
| Pretax return on assets | 0.8729% | 3,307 |
| Return on Equity (ROE) | 9.8220% | 1,988 |
| Retained earnings to average equity (ytd only) | 2.2191% | 4,089 |
| Net charge-offs to loans | 1.1039% | 1,812 |
| Credit loss provision to net charge-offs | 91.9434% | 5,434 |
| Earnings coverage of net charge-offs (x) | 2.4380% | 4,013 |
| Efficiency ratio | 73.1427% | 4,030 |
| Assets per employee ($millions) | 2.8568% | 6,517 |
| Cash dividends to net income (ytd only)* | 77.4069% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,162 |
| Loan loss allowance to noncurrent loans | 220.9610% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 6,077 |
| Noncurrent loans to loans | 0.7051% | 5,892 |
| Net loans and leases to total assets | 53.1285% | 6,480 |
| Net loans and leases to deposits | 67.8907% | 6,133 |
| Net loans and leases to core deposits | 82.8892% | 6,127 |
| Total domestic deposits to total assets | 78.2561% | 6,010 |
| Equity capital to assets | 8.0794% | 6,772 |
| Core capital (leverage) ratio | 7.1430% | 7,316 |
| Tier 1 risk-based capital ratio | 10.5382% | 6,429 |
| Total risk-based capital ratio | 11.7324% | 6,440 |
| Memoranda: | ||
| Average total assets | $3,751,600,750 | 227 |
| Average earning assets | $3,273,252,000 | 225 |
| Average equity | $280,587,750 | 273 |
| Average total loans | $1,953,450,250 | 283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 7,254 |
| Cost of funding earning assets | 1.8694% | 4,427 |
| Net interest margin | 2.9161% | 6,763 |
| Noninterest income to average assets | 2.7404% | 236 |
| Noninterest expense to average assets | 3.8713% | 1,536 |
| Loan and lease loss provision to assets | 0.4994% | 3,040 |
| Net operating income to assets | 0.7453% | 3,066 |
| Return on assets (ROA) | 0.7453% | 3,172 |
| Pretax return on assets | 0.9118% | 3,297 |
| Return on Equity (ROE) | 10.2213% | 1,938 |
| Retained earnings to average equity (ytd only) | 2.7337% | 3,812 |
| Net charge-offs to loans | 1.0006% | 1,764 |
| Credit loss provision to net charge-offs | 96.9527% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.7398% | 3,713 |
| Efficiency ratio | 72.9313% | 4,217 |
| Assets per employee ($millions) | 3.0025% | 6,123 |
| Cash dividends to net income (ytd only)* | 73.2549% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,723 |
| Loan loss allowance to noncurrent loans | 186.8402% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 5,995 |
| Noncurrent loans to loans | 0.8584% | 5,500 |
| Net loans and leases to total assets | 50.5210% | 6,826 |
| Net loans and leases to deposits | 64.3743% | 6,528 |
| Net loans and leases to core deposits | 77.6526% | 6,564 |
| Total domestic deposits to total assets | 78.4801% | 5,958 |
| Equity capital to assets | 7.4471% | 7,312 |
| Core capital (leverage) ratio | 7.1156% | 7,439 |
| Tier 1 risk-based capital ratio | 10.6157% | 6,268 |
| Total risk-based capital ratio | 11.8632% | 6,211 |
| Memoranda: | ||
| Average total assets | $3,809,897,670 | 230 |
| Average earning assets | $3,321,215,330 | 229 |
| Average equity | $277,792,000 | 280 |
| Average total loans | $1,961,157,330 | 289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 7,303 |
| Cost of funding earning assets | 2.0060% | 4,096 |
| Net interest margin | 2.8371% | 6,906 |
| Noninterest income to average assets | 2.4796% | 254 |
| Noninterest expense to average assets | 3.7878% | 1,494 |
| Loan and lease loss provision to assets | 0.1064% | 5,604 |
| Net operating income to assets | 0.7558% | 3,325 |
| Return on assets (ROA) | 0.7558% | 3,501 |
| Pretax return on assets | 1.0410% | 3,199 |
| Return on Equity (ROE) | 10.4768% | 2,139 |
| Retained earnings to average equity (ytd only) | 1.4963% | 5,011 |
| Net charge-offs to loans | 0.5679% | 2,044 |
| Credit loss provision to net charge-offs | 36.3442% | 4,867 |
| Earnings coverage of net charge-offs (x) | 3.9200% | 3,028 |
| Efficiency ratio | 76.3737% | 3,424 |
| Assets per employee ($millions) | 2.9906% | 6,185 |
| Cash dividends to net income (ytd only)* | 85.7182% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 2,932 |
| Loan loss allowance to noncurrent loans | 146.5679% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 5,648 |
| Noncurrent loans to loans | 1.0296% | 4,929 |
| Net loans and leases to total assets | 50.7748% | 6,788 |
| Net loans and leases to deposits | 62.3307% | 6,707 |
| Net loans and leases to core deposits | 73.9238% | 6,809 |
| Total domestic deposits to total assets | 81.4603% | 4,762 |
| Equity capital to assets | 7.3285% | 7,472 |
| Core capital (leverage) ratio | 6.9638% | 7,655 |
| Tier 1 risk-based capital ratio | 10.2989% | 6,591 |
| Total risk-based capital ratio | 11.4584% | 6,621 |
| Memoranda: | ||
| Average total assets | $3,827,750,000 | 228 |
| Average earning assets | $3,313,106,500 | 233 |
| Average equity | $276,154,000 | 282 |
| Average total loans | $1,972,817,000 | 287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 6,798 |
| Cost of funding earning assets | 2.3503% | 4,927 |
| Net interest margin | 3.3435% | 5,892 |
| Noninterest income to average assets | 2.6463% | 237 |
| Noninterest expense to average assets | 3.9085% | 1,544 |
| Loan and lease loss provision to assets | 0.4761% | 2,921 |
| Net operating income to assets | 0.8453% | 3,238 |
| Return on assets (ROA) | 0.8760% | 2,957 |
| Pretax return on assets | 1.1866% | 2,693 |
| Return on Equity (ROE) | 11.4540% | 1,768 |
| Retained earnings to average equity (ytd only) | 0.3874% | 5,009 |
| Net charge-offs to loans | 0.6616% | 1,874 |
| Credit loss provision to net charge-offs | 140.6635% | 3,774 |
| Earnings coverage of net charge-offs (x) | 4.7898% | 3,856 |
| Efficiency ratio | 70.3191% | 4,287 |
| Assets per employee ($millions) | 3.0113% | 6,034 |
| Cash dividends to net income (ytd only)* | 96.6177% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 2,325 |
| Loan loss allowance to noncurrent loans | 179.6416% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 5,662 |
| Noncurrent loans to loans | 0.8801% | 4,857 |
| Net loans and leases to total assets | 50.7124% | 6,966 |
| Net loans and leases to deposits | 62.7005% | 6,896 |
| Net loans and leases to core deposits | 75.2051% | 6,904 |
| Total domestic deposits to total assets | 80.8804% | 4,693 |
| Equity capital to assets | 7.1019% | 7,681 |
| Core capital (leverage) ratio | 7.0814% | 7,630 |
| Tier 1 risk-based capital ratio | 9.7425% | 7,026 |
| Total risk-based capital ratio | 10.9108% | 7,026 |
| Memoranda: | ||
| Average total assets | $3,624,816,200 | 226 |
| Average earning assets | $3,126,005,000 | 231 |
| Average equity | $277,229,600 | 283 |
| Average total loans | $1,854,492,600 | 292 |