Home > Johnson Bank > Performance and Condition Ratios
Johnson 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 | 5.4179% | 2,266 |
| Cost of funding earning assets | 2.0036% | 1,921 |
| Net interest margin | 3.4142% | 2,537 |
| Noninterest income to average assets | 1.0200% | 559 |
| Noninterest expense to average assets | 2.8282% | 1,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0466% | 2,150 |
| Return on assets (ROA) | 1.0490% | 2,141 |
| Pretax return on assets | 1.3316% | 1,887 |
| Return on Equity (ROE) | 8.5900% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.5912% | 1,534 |
| Net charge-offs to loans | -0.0002% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.0372% | 2,037 |
| Assets per employee ($millions) | 8.7578% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 878 |
| Loan loss allowance to noncurrent loans | 743.8495% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,719 |
| Noncurrent loans to loans | 0.2100% | 2,747 |
| Net loans and leases to total assets | 74.4000% | 1,286 |
| Net loans and leases to deposits | 95.9339% | 624 |
| Net loans and leases to core deposits | 100.8615% | 1,311 |
| Total domestic deposits to total assets | 77.5500% | 3,861 |
| Equity capital to assets | 12.2769% | 1,135 |
| Core capital (leverage) ratio | 12.5284% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8494% | 1,099 |
| Memoranda: | ||
| Average total assets | $6,796,495,500 | 233 |
| Average earning assets | $6,241,264,500 | 226 |
| Average equity | $829,822,500 | 205 |
| Average total loans | $5,114,174,000 | 211 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 1,747 |
| Cost of funding earning assets | 2.2703% | 1,585 |
| Net interest margin | 3.4314% | 2,220 |
| Noninterest income to average assets | 1.0100% | 603 |
| Noninterest expense to average assets | 2.8814% | 1,351 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 0.8860% | 2,435 |
| Return on assets (ROA) | 0.8961% | 2,401 |
| Pretax return on assets | 1.1355% | 2,149 |
| Return on Equity (ROE) | 7.2000% | 2,968 |
| Retained earnings to average equity (ytd only) | 2.2370% | 3,295 |
| Net charge-offs to loans | 0.2105% | 676 |
| Credit loss provision to net charge-offs | 97.4089% | 1,943 |
| Earnings coverage of net charge-offs (x) | 8.0581% | 2,393 |
| Efficiency ratio | 69.2896% | 2,089 |
| Assets per employee ($millions) | 8.5807% | 1,231 |
| Cash dividends to net income (ytd only)* | 68.9132% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 801 |
| Loan loss allowance to noncurrent loans | 891.4544% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 2,788 |
| Noncurrent loans to loans | 0.1795% | 2,786 |
| Net loans and leases to total assets | 73.7100% | 1,439 |
| Net loans and leases to deposits | 92.4960% | 993 |
| Net loans and leases to core deposits | 97.3667% | 1,631 |
| Total domestic deposits to total assets | 79.6900% | 3,597 |
| Equity capital to assets | 12.1412% | 1,131 |
| Core capital (leverage) ratio | 12.3884% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7497% | 1,107 |
| Memoranda: | ||
| Average total assets | $6,477,474,400 | 237 |
| Average earning assets | $5,951,940,200 | 229 |
| Average equity | $806,612,200 | 201 |
| Average total loans | $4,877,500,400 | 212 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7328% | 1,664 |
| Cost of funding earning assets | 2.3003% | 1,537 |
| Net interest margin | 3.4325% | 2,176 |
| Noninterest income to average assets | 1.0200% | 575 |
| Noninterest expense to average assets | 2.8935% | 1,272 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 0.9336% | 2,267 |
| Return on assets (ROA) | 0.9438% | 2,248 |
| Pretax return on assets | 1.1909% | 2,008 |
| Return on Equity (ROE) | 7.5300% | 2,879 |
| Retained earnings to average equity (ytd only) | 0.8925% | 3,758 |
| Net charge-offs to loans | -0.0116% | 4,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.2985% | 2,106 |
| Assets per employee ($millions) | 8.2712% | 1,362 |
| Cash dividends to net income (ytd only)* | 88.1465% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 620 |
| Loan loss allowance to noncurrent loans | 481.2736% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 2,142 |
| Noncurrent loans to loans | 0.3600% | 2,195 |
| Net loans and leases to total assets | 74.2700% | 1,330 |
| Net loans and leases to deposits | 95.2371% | 769 |
| Net loans and leases to core deposits | 100.5511% | 1,447 |
| Total domestic deposits to total assets | 77.9800% | 3,728 |
| Equity capital to assets | 12.2776% | 1,179 |
| Core capital (leverage) ratio | 12.2429% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5970% | 1,170 |
| Memoranda: | ||
| Average total assets | $6,410,742,000 | 233 |
| Average earning assets | $5,891,766,500 | 230 |
| Average equity | $803,552,750 | 201 |
| Average total loans | $4,833,774,250 | 211 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6585% | 1,680 |
| Cost of funding earning assets | 2.2411% | 1,563 |
| Net interest margin | 3.4174% | 2,130 |
| Noninterest income to average assets | 1.0000% | 590 |
| Noninterest expense to average assets | 2.8881% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9976% | 2,005 |
| Return on assets (ROA) | 1.0079% | 1,967 |
| Pretax return on assets | 1.2721% | 1,770 |
| Return on Equity (ROE) | 7.9800% | 2,740 |
| Retained earnings to average equity (ytd only) | -2.0039% | 4,140 |
| Net charge-offs to loans | -0.0159% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.6409% | 2,158 |
| Assets per employee ($millions) | 8.0983% | 1,400 |
| Cash dividends to net income (ytd only)* | 125.0977% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 714 |
| Loan loss allowance to noncurrent loans | 1,036.3983% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 2,834 |
| Noncurrent loans to loans | 0.1614% | 2,863 |
| Net loans and leases to total assets | 74.4100% | 1,369 |
| Net loans and leases to deposits | 93.5568% | 981 |
| Net loans and leases to core deposits | 97.8247% | 1,625 |
| Total domestic deposits to total assets | 79.5300% | 3,518 |
| Equity capital to assets | 12.2608% | 1,080 |
| Core capital (leverage) ratio | 12.4150% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7952% | 1,120 |
| Memoranda: | ||
| Average total assets | $6,344,766,333 | 234 |
| Average earning assets | $5,834,374,667 | 229 |
| Average equity | $800,941,667 | 200 |
| Average total loans | $4,780,113,333 | 212 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 1,614 |
| Cost of funding earning assets | 2.2113% | 1,535 |
| Net interest margin | 3.3994% | 2,102 |
| Noninterest income to average assets | 0.9800% | 568 |
| Noninterest expense to average assets | 2.8955% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9374% | 2,123 |
| Return on assets (ROA) | 0.9478% | 2,111 |
| Pretax return on assets | 1.2230% | 1,836 |
| Return on Equity (ROE) | 7.4000% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.3993% | 1,705 |
| Net charge-offs to loans | -0.0259% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.5302% | 2,095 |
| Assets per employee ($millions) | 7.8727% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 663 |
| Loan loss allowance to noncurrent loans | 1,099.3654% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,854 |
| Noncurrent loans to loans | 0.1554% | 2,842 |
| Net loans and leases to total assets | 74.1200% | 1,319 |
| Net loans and leases to deposits | 91.8294% | 1,056 |
| Net loans and leases to core deposits | 95.7864% | 1,659 |
| Total domestic deposits to total assets | 80.7200% | 3,422 |
| Equity capital to assets | 12.8554% | 898 |
| Core capital (leverage) ratio | 13.0020% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7911% | 958 |
| Memoranda: | ||
| Average total assets | $6,298,068,500 | 240 |
| Average earning assets | $5,791,620,500 | 233 |
| Average equity | $806,726,000 | 199 |
| Average total loans | $4,734,213,000 | 217 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 1,547 |
| Cost of funding earning assets | 1.7189% | 1,409 |
| Net interest margin | 3.5453% | 2,083 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.1286% | 917 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.8813% | 2,606 |
| Return on assets (ROA) | 0.8669% | 2,621 |
| Pretax return on assets | 1.1693% | 2,218 |
| Return on Equity (ROE) | 6.9000% | 3,307 |
| Retained earnings to average equity (ytd only) | 1.7976% | 3,626 |
| Net charge-offs to loans | -0.0491% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4682% | 1,510 |
| Assets per employee ($millions) | 7.1138% | 1,998 |
| Cash dividends to net income (ytd only)* | 73.9303% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 624 |
| Loan loss allowance to noncurrent loans | 553.8924% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,047 |
| Noncurrent loans to loans | 0.3115% | 2,076 |
| Net loans and leases to total assets | 73.6300% | 1,409 |
| Net loans and leases to deposits | 91.0997% | 1,174 |
| Net loans and leases to core deposits | 95.0026% | 1,711 |
| Total domestic deposits to total assets | 80.8300% | 3,336 |
| Equity capital to assets | 12.7624% | 917 |
| Core capital (leverage) ratio | 12.7142% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8548% | 952 |
| Memoranda: | ||
| Average total assets | $6,241,549,200 | 237 |
| Average earning assets | $5,727,234,600 | 234 |
| Average equity | $784,641,400 | 197 |
| Average total loans | $4,656,746,600 | 214 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 1,530 |
| Cost of funding earning assets | 1.5769% | 1,414 |
| Net interest margin | 3.5802% | 2,054 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 3.1392% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7937% | 3,039 |
| Return on assets (ROA) | 0.8047% | 3,005 |
| Pretax return on assets | 1.0860% | 2,604 |
| Return on Equity (ROE) | 6.4300% | 3,558 |
| Retained earnings to average equity (ytd only) | -0.4065% | 4,196 |
| Net charge-offs to loans | -0.0511% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.5421% | 1,318 |
| Assets per employee ($millions) | 7.0103% | 1,956 |
| Cash dividends to net income (ytd only)* | 106.3264% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 615 |
| Loan loss allowance to noncurrent loans | 523.4877% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 2,005 |
| Noncurrent loans to loans | 0.3359% | 2,028 |
| Net loans and leases to total assets | 73.8400% | 1,355 |
| Net loans and leases to deposits | 92.7790% | 988 |
| Net loans and leases to core deposits | 96.6242% | 1,522 |
| Total domestic deposits to total assets | 79.5800% | 3,591 |
| Equity capital to assets | 12.1329% | 1,006 |
| Core capital (leverage) ratio | 12.5114% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1521% | 1,074 |
| Memoranda: | ||
| Average total assets | $6,233,338,750 | 236 |
| Average earning assets | $5,719,202,500 | 235 |
| Average equity | $780,610,500 | 198 |
| Average total loans | $4,645,627,500 | 217 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 1,538 |
| Cost of funding earning assets | 1.3749% | 1,518 |
| Net interest margin | 3.6392% | 1,944 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.1564% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8940% | 2,772 |
| Return on assets (ROA) | 0.9052% | 2,723 |
| Pretax return on assets | 1.1529% | 2,498 |
| Return on Equity (ROE) | 7.1500% | 3,449 |
| Retained earnings to average equity (ytd only) | -3.0642% | 4,349 |
| Net charge-offs to loans | -0.0806% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4889% | 1,404 |
| Assets per employee ($millions) | 7.0255% | 1,908 |
| Cash dividends to net income (ytd only)* | 142.8469% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 658 |
| Loan loss allowance to noncurrent loans | 552.2674% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 1,985 |
| Noncurrent loans to loans | 0.3201% | 1,995 |
| Net loans and leases to total assets | 74.2300% | 1,257 |
| Net loans and leases to deposits | 93.2825% | 923 |
| Net loans and leases to core deposits | 96.3901% | 1,445 |
| Total domestic deposits to total assets | 79.5800% | 3,637 |
| Equity capital to assets | 12.1753% | 1,000 |
| Core capital (leverage) ratio | 12.5728% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0169% | 1,123 |
| Memoranda: | ||
| Average total assets | $6,186,995,000 | 233 |
| Average earning assets | $5,680,779,000 | 233 |
| Average equity | $783,095,667 | 194 |
| Average total loans | $4,597,743,000 | 212 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 1,553 |
| Cost of funding earning assets | 1.1394% | 1,627 |
| Net interest margin | 3.6911% | 1,917 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 3.1206% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8962% | 2,871 |
| Return on assets (ROA) | 0.9089% | 2,781 |
| Pretax return on assets | 1.2627% | 2,274 |
| Return on Equity (ROE) | 7.0400% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.0429% | 2,482 |
| Net charge-offs to loans | -0.1222% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.4551% | 1,582 |
| Assets per employee ($millions) | 7.0236% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 617 |
| Loan loss allowance to noncurrent loans | 539.4117% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 1,869 |
| Noncurrent loans to loans | 0.3403% | 1,925 |
| Net loans and leases to total assets | 72.3400% | 1,388 |
| Net loans and leases to deposits | 89.6504% | 1,082 |
| Net loans and leases to core deposits | 91.0653% | 1,559 |
| Total domestic deposits to total assets | 80.6900% | 3,682 |
| Equity capital to assets | 12.8712% | 791 |
| Core capital (leverage) ratio | 13.3555% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4432% | 915 |
| Memoranda: | ||
| Average total assets | $6,126,043,500 | 242 |
| Average earning assets | $5,626,948,500 | 240 |
| Average equity | $790,580,500 | 195 |
| Average total loans | $4,512,907,500 | 221 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 2,894 |
| Cost of funding earning assets | 0.2926% | 2,939 |
| Net interest margin | 3.2743% | 2,634 |
| Noninterest income to average assets | 1.3600% | 386 |
| Noninterest expense to average assets | 3.1211% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9572% | 2,740 |
| Return on assets (ROA) | 0.9431% | 2,743 |
| Pretax return on assets | 1.2449% | 2,292 |
| Return on Equity (ROE) | 7.4000% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.5339% | 3,555 |
| Net charge-offs to loans | -0.0423% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.1952% | 1,543 |
| Assets per employee ($millions) | 6.9068% | 2,041 |
| Cash dividends to net income (ytd only)* | 52.2739% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 763 |
| Loan loss allowance to noncurrent loans | 827.9897% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 2,459 |
| Noncurrent loans to loans | 0.2092% | 2,445 |
| Net loans and leases to total assets | 72.3700% | 1,376 |
| Net loans and leases to deposits | 86.8955% | 1,252 |
| Net loans and leases to core deposits | 87.6139% | 1,640 |
| Total domestic deposits to total assets | 83.2800% | 3,359 |
| Equity capital to assets | 12.9400% | 720 |
| Core capital (leverage) ratio | 12.9148% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2703% | 939 |
| Memoranda: | ||
| Average total assets | $6,085,546,000 | 238 |
| Average earning assets | $5,626,187,400 | 231 |
| Average equity | $775,068,800 | 198 |
| Average total loans | $4,250,283,600 | 222 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2283% | 3,365 |
| Cost of funding earning assets | 0.1461% | 3,885 |
| Net interest margin | 3.0822% | 2,986 |
| Noninterest income to average assets | 1.4900% | 365 |
| Noninterest expense to average assets | 3.0126% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0067% | 2,460 |
| Return on assets (ROA) | 1.0162% | 2,394 |
| Pretax return on assets | 1.3417% | 1,913 |
| Return on Equity (ROE) | 8.0100% | 3,328 |
| Retained earnings to average equity (ytd only) | 2.8352% | 3,818 |
| Net charge-offs to loans | -0.0671% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3789% | 1,840 |
| Assets per employee ($millions) | 7.0794% | 1,887 |
| Cash dividends to net income (ytd only)* | 64.6064% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 757 |
| Loan loss allowance to noncurrent loans | 1,123.7399% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 2,834 |
| Noncurrent loans to loans | 0.1585% | 2,815 |
| Net loans and leases to total assets | 70.1200% | 1,467 |
| Net loans and leases to deposits | 82.6309% | 1,391 |
| Net loans and leases to core deposits | 83.3218% | 1,703 |
| Total domestic deposits to total assets | 84.8600% | 3,317 |
| Equity capital to assets | 12.5998% | 750 |
| Core capital (leverage) ratio | 12.7534% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4296% | 930 |
| Memoranda: | ||
| Average total assets | $6,092,613,750 | 240 |
| Average earning assets | $5,645,556,250 | 233 |
| Average equity | $772,882,500 | 196 |
| Average total loans | $4,197,642,500 | 221 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9225% | 3,733 |
| Cost of funding earning assets | 0.0606% | 4,524 |
| Net interest margin | 2.8619% | 3,264 |
| Noninterest income to average assets | 1.6082% | 305 |
| Noninterest expense to average assets | 2.9603% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0060% | 2,130 |
| Return on assets (ROA) | 1.0156% | 2,068 |
| Pretax return on assets | 1.3207% | 1,683 |
| Return on Equity (ROE) | 7.9878% | 3,020 |
| Retained earnings to average equity (ytd only) | 0.2379% | 4,145 |
| Net charge-offs to loans | -0.0933% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3475% | 2,059 |
| Assets per employee ($millions) | 7.2198% | 1,793 |
| Cash dividends to net income (ytd only)* | 97.0214% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 735 |
| Loan loss allowance to noncurrent loans | 362.1070% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 1,602 |
| Noncurrent loans to loans | 0.5115% | 1,601 |
| Net loans and leases to total assets | 67.0754% | 1,569 |
| Net loans and leases to deposits | 78.3941% | 1,510 |
| Net loans and leases to core deposits | 79.1373% | 1,769 |
| Total domestic deposits to total assets | 85.5618% | 3,360 |
| Equity capital to assets | 12.4663% | 771 |
| Core capital (leverage) ratio | 12.5754% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7668% | 889 |
| Memoranda: | ||
| Average total assets | $6,089,324,333 | 236 |
| Average earning assets | $5,660,902,667 | 234 |
| Average equity | $774,209,000 | 195 |
| Average total loans | $4,144,630,333 | 218 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7037% | 3,944 |
| Cost of funding earning assets | 0.0446% | 4,634 |
| Net interest margin | 2.6591% | 3,505 |
| Noninterest income to average assets | 1.8164% | 275 |
| Noninterest expense to average assets | 2.9356% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9935% | 1,899 |
| Return on assets (ROA) | 1.0035% | 1,864 |
| Pretax return on assets | 1.3735% | 1,319 |
| Return on Equity (ROE) | 7.8160% | 2,751 |
| Retained earnings to average equity (ytd only) | 7.8160% | 1,635 |
| Net charge-offs to loans | -0.0737% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3255% | 2,461 |
| Assets per employee ($millions) | 7.2058% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 785 |
| Loan loss allowance to noncurrent loans | 380.4842% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 1,803 |
| Noncurrent loans to loans | 0.4908% | 1,800 |
| Net loans and leases to total assets | 65.6325% | 1,448 |
| Net loans and leases to deposits | 76.6835% | 1,388 |
| Net loans and leases to core deposits | 77.4721% | 1,657 |
| Total domestic deposits to total assets | 85.5888% | 3,385 |
| Equity capital to assets | 12.8020% | 736 |
| Core capital (leverage) ratio | 12.8840% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7781% | 790 |
| Memoranda: | ||
| Average total assets | $6,076,408,000 | 239 |
| Average earning assets | $5,667,279,000 | 235 |
| Average equity | $780,147,500 | 199 |
| Average total loans | $4,127,361,000 | 218 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0076% | 3,856 |
| Cost of funding earning assets | 0.0577% | 4,652 |
| Net interest margin | 2.9500% | 3,321 |
| Noninterest income to average assets | 1.7060% | 395 |
| Noninterest expense to average assets | 3.0850% | 860 |
| Loan and lease loss provision to assets | -0.1682% | 4,654 |
| Net operating income to assets | 1.1750% | 2,006 |
| Return on assets (ROA) | 1.1750% | 2,066 |
| Pretax return on assets | 1.5483% | 1,574 |
| Return on Equity (ROE) | 9.1739% | 2,846 |
| Retained earnings to average equity (ytd only) | 5.2334% | 2,703 |
| Net charge-offs to loans | -0.0315% | 4,143 |
| Credit loss provision to net charge-offs | 741.2898% | 640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0935% | 1,848 |
| Assets per employee ($millions) | 7.0838% | 1,874 |
| Cash dividends to net income (ytd only)* | 42.9535% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 850 |
| Loan loss allowance to noncurrent loans | 491.9497% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 2,296 |
| Noncurrent loans to loans | 0.3676% | 2,267 |
| Net loans and leases to total assets | 67.7289% | 1,302 |
| Net loans and leases to deposits | 79.0282% | 1,292 |
| Net loans and leases to core deposits | 79.9740% | 1,597 |
| Total domestic deposits to total assets | 85.7022% | 3,015 |
| Equity capital to assets | 12.8762% | 936 |
| Core capital (leverage) ratio | 12.5567% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5425% | 816 |
| Memoranda: | ||
| Average total assets | $5,943,930,200 | 233 |
| Average earning assets | $5,559,059,200 | 228 |
| Average equity | $761,323,200 | 202 |
| Average total loans | $4,286,911,800 | 210 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0764% | 3,861 |
| Cost of funding earning assets | 0.0610% | 4,733 |
| Net interest margin | 3.0155% | 3,265 |
| Noninterest income to average assets | 1.7884% | 400 |
| Noninterest expense to average assets | 2.9576% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2161% | 2,111 |
| Return on assets (ROA) | 1.2227% | 2,148 |
| Pretax return on assets | 1.6582% | 1,526 |
| Return on Equity (ROE) | 9.5593% | 2,906 |
| Retained earnings to average equity (ytd only) | 4.2748% | 3,488 |
| Net charge-offs to loans | -0.0280% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1930% | 2,359 |
| Assets per employee ($millions) | 6.8824% | 1,949 |
| Cash dividends to net income (ytd only)* | 55.2812% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 580 |
| Loan loss allowance to noncurrent loans | 657.9000% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 2,689 |
| Noncurrent loans to loans | 0.3118% | 2,670 |
| Net loans and leases to total assets | 68.4359% | 1,266 |
| Net loans and leases to deposits | 80.1352% | 1,283 |
| Net loans and leases to core deposits | 81.2023% | 1,638 |
| Total domestic deposits to total assets | 85.4005% | 2,983 |
| Equity capital to assets | 12.8861% | 1,023 |
| Core capital (leverage) ratio | 12.7392% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5976% | 874 |
| Memoranda: | ||
| Average total assets | $5,917,529,750 | 235 |
| Average earning assets | $5,531,969,250 | 229 |
| Average equity | $756,916,000 | 201 |
| Average total loans | $4,315,451,750 | 210 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1040% | 3,858 |
| Cost of funding earning assets | 0.0662% | 4,762 |
| Net interest margin | 3.0378% | 3,217 |
| Noninterest income to average assets | 1.9359% | 348 |
| Noninterest expense to average assets | 2.9168% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3657% | 1,664 |
| Return on assets (ROA) | 1.3739% | 1,719 |
| Pretax return on assets | 1.8688% | 1,078 |
| Return on Equity (ROE) | 10.7676% | 2,506 |
| Retained earnings to average equity (ytd only) | 2.8142% | 3,899 |
| Net charge-offs to loans | -0.0166% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0808% | 2,860 |
| Assets per employee ($millions) | 6.7230% | 2,005 |
| Cash dividends to net income (ytd only)* | 73.8643% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 612 |
| Loan loss allowance to noncurrent loans | 544.7769% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 2,577 |
| Noncurrent loans to loans | 0.3664% | 2,591 |
| Net loans and leases to total assets | 72.3335% | 922 |
| Net loans and leases to deposits | 84.7447% | 1,008 |
| Net loans and leases to core deposits | 85.9432% | 1,419 |
| Total domestic deposits to total assets | 85.3545% | 2,959 |
| Equity capital to assets | 13.1194% | 910 |
| Core capital (leverage) ratio | 12.6000% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3925% | 899 |
| Memoranda: | ||
| Average total assets | $5,912,495,667 | 232 |
| Average earning assets | $5,526,597,000 | 227 |
| Average equity | $754,392,333 | 201 |
| Average total loans | $4,372,244,000 | 211 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1077% | 3,867 |
| Cost of funding earning assets | 0.0731% | 4,782 |
| Net interest margin | 3.0346% | 3,171 |
| Noninterest income to average assets | 2.1648% | 329 |
| Noninterest expense to average assets | 2.7498% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6677% | 993 |
| Return on assets (ROA) | 1.6799% | 1,022 |
| Pretax return on assets | 2.2724% | 617 |
| Return on Equity (ROE) | 13.3464% | 1,582 |
| Retained earnings to average equity (ytd only) | 13.3464% | 850 |
| Net charge-offs to loans | -0.0123% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9222% | 3,679 |
| Assets per employee ($millions) | 7.0101% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 725 |
| Loan loss allowance to noncurrent loans | 348.1879% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 2,196 |
| Noncurrent loans to loans | 0.5490% | 2,213 |
| Net loans and leases to total assets | 71.6355% | 1,075 |
| Net loans and leases to deposits | 84.7740% | 1,069 |
| Net loans and leases to core deposits | 85.9549% | 1,527 |
| Total domestic deposits to total assets | 84.5017% | 3,278 |
| Equity capital to assets | 12.6994% | 992 |
| Core capital (leverage) ratio | 12.7885% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8365% | 810 |
| Memoranda: | ||
| Average total assets | $6,001,394,500 | 228 |
| Average earning assets | $5,620,437,500 | 221 |
| Average equity | $755,408,500 | 201 |
| Average total loans | $4,442,071,000 | 210 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 3,960 |
| Cost of funding earning assets | 0.2449% | 4,402 |
| Net interest margin | 3.2876% | 3,097 |
| Noninterest income to average assets | 2.1491% | 305 |
| Noninterest expense to average assets | 2.9160% | 1,643 |
| Loan and lease loss provision to assets | 0.2588% | 1,501 |
| Net operating income to assets | 1.5259% | 755 |
| Return on assets (ROA) | 1.5272% | 816 |
| Pretax return on assets | 2.0499% | 411 |
| Return on Equity (ROE) | 12.6584% | 1,133 |
| Retained earnings to average equity (ytd only) | 9.7983% | 628 |
| Net charge-offs to loans | -0.1805% | 4,882 |
| Credit loss provision to net charge-offs | -184.5018% | 3,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8291% | 4,004 |
| Assets per employee ($millions) | 6.7577% | 1,735 |
| Cash dividends to net income (ytd only)* | 22.5948% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 754 |
| Loan loss allowance to noncurrent loans | 255.5549% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 1,902 |
| Noncurrent loans to loans | 0.7354% | 1,865 |
| Net loans and leases to total assets | 73.6048% | 1,080 |
| Net loans and leases to deposits | 85.9230% | 1,260 |
| Net loans and leases to core deposits | 87.1904% | 1,775 |
| Total domestic deposits to total assets | 85.6636% | 2,504 |
| Equity capital to assets | 12.4737% | 1,342 |
| Core capital (leverage) ratio | 11.8505% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8348% | 923 |
| Memoranda: | ||
| Average total assets | $5,796,104,200 | 225 |
| Average earning assets | $5,419,365,400 | 221 |
| Average equity | $699,265,800 | 203 |
| Average total loans | $4,504,186,600 | 203 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 4,148 |
| Cost of funding earning assets | 0.2945% | 4,337 |
| Net interest margin | 3.2403% | 3,365 |
| Noninterest income to average assets | 1.4641% | 543 |
| Noninterest expense to average assets | 2.7516% | 2,114 |
| Loan and lease loss provision to assets | 0.2317% | 1,753 |
| Net operating income to assets | 1.1614% | 1,778 |
| Return on assets (ROA) | 1.1171% | 2,043 |
| Pretax return on assets | 1.4528% | 1,570 |
| Return on Equity (ROE) | 9.3414% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.4655% | 2,340 |
| Net charge-offs to loans | -0.1964% | 4,928 |
| Credit loss provision to net charge-offs | -150.4664% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2534% | 3,184 |
| Assets per employee ($millions) | 6.4661% | 1,861 |
| Cash dividends to net income (ytd only)* | 41.4912% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,057 |
| Loan loss allowance to noncurrent loans | 249.4201% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 2,155 |
| Noncurrent loans to loans | 0.6476% | 2,171 |
| Net loans and leases to total assets | 77.8066% | 854 |
| Net loans and leases to deposits | 90.0333% | 1,262 |
| Net loans and leases to core deposits | 91.5897% | 1,832 |
| Total domestic deposits to total assets | 86.4198% | 1,890 |
| Equity capital to assets | 11.5861% | 1,944 |
| Core capital (leverage) ratio | 11.1289% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9869% | 1,251 |
| Memoranda: | ||
| Average total assets | $5,753,363,000 | 225 |
| Average earning assets | $5,376,568,250 | 219 |
| Average equity | $688,003,500 | 203 |
| Average total loans | $4,511,191,250 | 203 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 4,141 |
| Cost of funding earning assets | 0.3729% | 4,156 |
| Net interest margin | 3.2990% | 3,390 |
| Noninterest income to average assets | 1.2393% | 660 |
| Noninterest expense to average assets | 2.7088% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1897% | 1,670 |
| Return on assets (ROA) | 1.1897% | 1,801 |
| Pretax return on assets | 1.6130% | 1,198 |
| Return on Equity (ROE) | 9.8392% | 2,034 |
| Retained earnings to average equity (ytd only) | 3.9792% | 2,919 |
| Net charge-offs to loans | -0.1247% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6776% | 3,013 |
| Assets per employee ($millions) | 6.4143% | 1,852 |
| Cash dividends to net income (ytd only)* | 59.5575% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,846 |
| Loan loss allowance to noncurrent loans | 307.0028% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 2,959 |
| Noncurrent loans to loans | 0.4352% | 2,861 |
| Net loans and leases to total assets | 75.8112% | 1,161 |
| Net loans and leases to deposits | 88.1370% | 1,543 |
| Net loans and leases to core deposits | 89.8062% | 2,084 |
| Total domestic deposits to total assets | 86.0152% | 2,004 |
| Equity capital to assets | 11.1111% | 2,242 |
| Core capital (leverage) ratio | 10.9073% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8521% | 1,287 |
| Memoranda: | ||
| Average total assets | $5,645,109,667 | 222 |
| Average earning assets | $5,274,462,333 | 220 |
| Average equity | $682,599,000 | 204 |
| Average total loans | $4,412,648,667 | 202 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,804 |
| Cost of funding earning assets | 0.5138% | 3,874 |
| Net interest margin | 3.4794% | 3,044 |
| Noninterest income to average assets | 1.0078% | 845 |
| Noninterest expense to average assets | 3.0775% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8721% | 2,609 |
| Return on assets (ROA) | 0.8721% | 2,715 |
| Pretax return on assets | 1.1723% | 2,295 |
| Return on Equity (ROE) | 6.8889% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.8889% | 1,581 |
| Net charge-offs to loans | -0.3753% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4149% | 2,016 |
| Assets per employee ($millions) | 5.6753% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,279 |
| Loan loss allowance to noncurrent loans | 939.8582% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 3,962 |
| Noncurrent loans to loans | 0.1616% | 3,881 |
| Net loans and leases to total assets | 76.3720% | 1,236 |
| Net loans and leases to deposits | 88.6050% | 1,679 |
| Net loans and leases to core deposits | 90.7820% | 2,272 |
| Total domestic deposits to total assets | 86.1937% | 1,925 |
| Equity capital to assets | 12.4359% | 1,773 |
| Core capital (leverage) ratio | 12.5415% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5529% | 1,456 |
| Memoranda: | ||
| Average total assets | $5,363,125,000 | 228 |
| Average earning assets | $4,997,147,000 | 224 |
| Average equity | $678,950,000 | 206 |
| Average total loans | $4,233,512,000 | 206 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 2,906 |
| Cost of funding earning assets | 0.7060% | 3,133 |
| Net interest margin | 3.8049% | 2,491 |
| Noninterest income to average assets | 1.3773% | 509 |
| Noninterest expense to average assets | 3.3647% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1302% | 2,339 |
| Return on assets (ROA) | 1.1458% | 2,367 |
| Pretax return on assets | 1.5541% | 1,637 |
| Return on Equity (ROE) | 8.9650% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.6636% | 1,540 |
| Net charge-offs to loans | 0.0805% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 23.6953% | 1,805 |
| Efficiency ratio | 68.6287% | 2,366 |
| Assets per employee ($millions) | 5.1995% | 2,344 |
| Cash dividends to net income (ytd only)* | 25.6709% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,347 |
| Loan loss allowance to noncurrent loans | 359.8926% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 2,824 |
| Noncurrent loans to loans | 0.4045% | 2,987 |
| Net loans and leases to total assets | 79.2362% | 892 |
| Net loans and leases to deposits | 93.9049% | 1,164 |
| Net loans and leases to core deposits | 96.6362% | 1,841 |
| Total domestic deposits to total assets | 84.3792% | 2,727 |
| Equity capital to assets | 12.8965% | 1,585 |
| Core capital (leverage) ratio | 12.3134% | 1,585 |
| Tier 1 risk-based capital ratio | 15.2108% | 2,694 |
| Total risk-based capital ratio | 16.4633% | 2,627 |
| Memoranda: | ||
| Average total assets | $5,099,506,000 | 222 |
| Average earning assets | $4,719,978,200 | 220 |
| Average equity | $651,775,800 | 210 |
| Average total loans | $4,102,417,800 | 202 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 2,771 |
| Cost of funding earning assets | 0.7398% | 3,015 |
| Net interest margin | 3.8468% | 2,451 |
| Noninterest income to average assets | 1.3457% | 518 |
| Noninterest expense to average assets | 3.3046% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1761% | 2,274 |
| Return on assets (ROA) | 1.1970% | 2,283 |
| Pretax return on assets | 1.6241% | 1,550 |
| Return on Equity (ROE) | 9.3875% | 2,723 |
| Retained earnings to average equity (ytd only) | 6.2951% | 2,226 |
| Net charge-offs to loans | 0.1412% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 14.0639% | 2,260 |
| Efficiency ratio | 67.3488% | 2,517 |
| Assets per employee ($millions) | 5.2936% | 2,234 |
| Cash dividends to net income (ytd only)* | 32.9410% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,424 |
| Loan loss allowance to noncurrent loans | 334.9830% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 2,908 |
| Noncurrent loans to loans | 0.4294% | 3,019 |
| Net loans and leases to total assets | 78.1694% | 1,110 |
| Net loans and leases to deposits | 90.9859% | 1,569 |
| Net loans and leases to core deposits | 93.6272% | 2,211 |
| Total domestic deposits to total assets | 85.9137% | 2,030 |
| Equity capital to assets | 12.6251% | 1,828 |
| Core capital (leverage) ratio | 12.4261% | 1,616 |
| Tier 1 risk-based capital ratio | 15.1385% | 2,787 |
| Total risk-based capital ratio | 16.3910% | 2,720 |
| Memoranda: | ||
| Average total assets | $5,071,912,000 | 225 |
| Average earning assets | $4,689,103,250 | 221 |
| Average equity | $646,747,000 | 213 |
| Average total loans | $4,080,746,500 | 204 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 2,707 |
| Cost of funding earning assets | 0.7587% | 2,851 |
| Net interest margin | 3.8309% | 2,476 |
| Noninterest income to average assets | 1.3748% | 463 |
| Noninterest expense to average assets | 3.3316% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1690% | 2,262 |
| Return on assets (ROA) | 1.2000% | 2,212 |
| Pretax return on assets | 1.6251% | 1,468 |
| Return on Equity (ROE) | 9.3778% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.6984% | 2,919 |
| Net charge-offs to loans | -0.0379% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6859% | 2,588 |
| Assets per employee ($millions) | 5.1596% | 2,295 |
| Cash dividends to net income (ytd only)* | 49.8985% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 1,062 |
| Loan loss allowance to noncurrent loans | 459.4308% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 3,176 |
| Noncurrent loans to loans | 0.3447% | 3,309 |
| Net loans and leases to total assets | 79.5522% | 953 |
| Net loans and leases to deposits | 93.2464% | 1,347 |
| Net loans and leases to core deposits | 96.0790% | 2,063 |
| Total domestic deposits to total assets | 85.3140% | 2,339 |
| Equity capital to assets | 12.7484% | 1,726 |
| Core capital (leverage) ratio | 12.2333% | 1,681 |
| Tier 1 risk-based capital ratio | 14.7817% | 2,925 |
| Total risk-based capital ratio | 16.0358% | 2,852 |
| Memoranda: | ||
| Average total assets | $5,010,352,000 | 229 |
| Average earning assets | $4,633,523,000 | 223 |
| Average equity | $641,113,000 | 214 |
| Average total loans | $4,051,323,330 | 205 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 2,627 |
| Cost of funding earning assets | 0.7398% | 2,835 |
| Net interest margin | 3.8342% | 2,403 |
| Noninterest income to average assets | 1.3491% | 474 |
| Noninterest expense to average assets | 3.3847% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1176% | 2,401 |
| Return on assets (ROA) | 1.1439% | 2,344 |
| Pretax return on assets | 1.5420% | 1,631 |
| Return on Equity (ROE) | 8.9230% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.9230% | 1,344 |
| Net charge-offs to loans | -0.0160% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1047% | 2,486 |
| Assets per employee ($millions) | 5.0870% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,066 |
| Loan loss allowance to noncurrent loans | 407.3695% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,980 |
| Noncurrent loans to loans | 0.3921% | 3,182 |
| Net loans and leases to total assets | 79.9824% | 836 |
| Net loans and leases to deposits | 93.8163% | 1,194 |
| Net loans and leases to core deposits | 97.0109% | 1,854 |
| Total domestic deposits to total assets | 85.2542% | 2,580 |
| Equity capital to assets | 13.0122% | 1,446 |
| Core capital (leverage) ratio | 12.2913% | 1,611 |
| Tier 1 risk-based capital ratio | 14.8904% | 2,922 |
| Total risk-based capital ratio | 16.1446% | 2,852 |
| Memoranda: | ||
| Average total assets | $4,974,433,500 | 230 |
| Average earning assets | $4,598,343,000 | 224 |
| Average equity | $637,721,000 | 217 |
| Average total loans | $4,022,959,000 | 207 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 3,113 |
| Cost of funding earning assets | 0.4770% | 3,503 |
| Net interest margin | 3.8219% | 2,584 |
| Noninterest income to average assets | 1.5102% | 401 |
| Noninterest expense to average assets | 3.5524% | 927 |
| Loan and lease loss provision to assets | -0.1237% | 5,288 |
| Net operating income to assets | 1.1934% | 2,207 |
| Return on assets (ROA) | 1.1735% | 2,285 |
| Pretax return on assets | 1.5674% | 1,557 |
| Return on Equity (ROE) | 9.4016% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.7442% | 1,355 |
| Net charge-offs to loans | -0.2133% | 5,275 |
| Credit loss provision to net charge-offs | 72.2289% | 2,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6841% | 2,078 |
| Assets per employee ($millions) | 5.1117% | 2,369 |
| Cash dividends to net income (ytd only)* | 17.6283% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 1,026 |
| Loan loss allowance to noncurrent loans | 479.1906% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,120 |
| Noncurrent loans to loans | 0.3346% | 3,350 |
| Net loans and leases to total assets | 79.1764% | 1,066 |
| Net loans and leases to deposits | 92.7828% | 1,426 |
| Net loans and leases to core deposits | 95.7027% | 2,083 |
| Total domestic deposits to total assets | 85.3352% | 2,496 |
| Equity capital to assets | 12.6284% | 1,523 |
| Core capital (leverage) ratio | 11.9562% | 1,769 |
| Tier 1 risk-based capital ratio | 14.5971% | 3,020 |
| Total risk-based capital ratio | 15.8881% | 2,921 |
| Memoranda: | ||
| Average total assets | $4,834,058,200 | 230 |
| Average earning assets | $4,440,795,600 | 225 |
| Average equity | $603,378,600 | 216 |
| Average total loans | $3,882,780,400 | 208 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,280 |
| Cost of funding earning assets | 0.4281% | 3,676 |
| Net interest margin | 3.7835% | 2,705 |
| Noninterest income to average assets | 1.6209% | 372 |
| Noninterest expense to average assets | 3.5372% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1520% | 2,429 |
| Return on assets (ROA) | 1.1499% | 2,449 |
| Pretax return on assets | 1.5536% | 1,726 |
| Return on Equity (ROE) | 9.2406% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.0068% | 2,123 |
| Net charge-offs to loans | -0.2693% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3826% | 2,291 |
| Assets per employee ($millions) | 5.0411% | 2,422 |
| Cash dividends to net income (ytd only)* | 24.1739% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 784 |
| Loan loss allowance to noncurrent loans | 496.2304% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,193 |
| Noncurrent loans to loans | 0.3543% | 3,383 |
| Net loans and leases to total assets | 78.7501% | 1,208 |
| Net loans and leases to deposits | 96.5105% | 1,091 |
| Net loans and leases to core deposits | 99.7915% | 1,810 |
| Total domestic deposits to total assets | 81.5974% | 3,708 |
| Equity capital to assets | 12.3446% | 1,676 |
| Core capital (leverage) ratio | 11.9572% | 1,812 |
| Tier 1 risk-based capital ratio | 14.2076% | 3,268 |
| Total risk-based capital ratio | 15.5004% | 3,162 |
| Memoranda: | ||
| Average total assets | $4,796,584,500 | 229 |
| Average earning assets | $4,402,489,250 | 226 |
| Average equity | $596,874,250 | 217 |
| Average total loans | $3,850,873,500 | 209 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 3,390 |
| Cost of funding earning assets | 0.3818% | 3,854 |
| Net interest margin | 3.7350% | 2,809 |
| Noninterest income to average assets | 1.6781% | 360 |
| Noninterest expense to average assets | 3.5716% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1396% | 2,437 |
| Return on assets (ROA) | 1.1364% | 2,457 |
| Pretax return on assets | 1.5306% | 1,707 |
| Return on Equity (ROE) | 9.1068% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,709 |
| Net charge-offs to loans | -0.2200% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8816% | 2,333 |
| Assets per employee ($millions) | 4.8777% | 2,591 |
| Cash dividends to net income (ytd only)* | 37.0892% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 861 |
| Loan loss allowance to noncurrent loans | 483.2080% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,247 |
| Noncurrent loans to loans | 0.3571% | 3,418 |
| Net loans and leases to total assets | 78.5352% | 1,240 |
| Net loans and leases to deposits | 95.6829% | 1,179 |
| Net loans and leases to core deposits | 98.7623% | 1,831 |
| Total domestic deposits to total assets | 82.0787% | 3,698 |
| Equity capital to assets | 12.4554% | 1,564 |
| Core capital (leverage) ratio | 11.8813% | 1,784 |
| Tier 1 risk-based capital ratio | 14.2239% | 3,250 |
| Total risk-based capital ratio | 15.5175% | 3,145 |
| Memoranda: | ||
| Average total assets | $4,745,317,670 | 228 |
| Average earning assets | $4,355,376,000 | 228 |
| Average equity | $592,131,000 | 213 |
| Average total loans | $3,811,764,000 | 208 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 3,501 |
| Cost of funding earning assets | 0.3497% | 3,997 |
| Net interest margin | 3.6814% | 2,876 |
| Noninterest income to average assets | 1.8225% | 304 |
| Noninterest expense to average assets | 3.5205% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2529% | 1,798 |
| Return on assets (ROA) | 1.2466% | 1,833 |
| Pretax return on assets | 1.6723% | 1,185 |
| Return on Equity (ROE) | 9.9808% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.9808% | 1,165 |
| Net charge-offs to loans | -0.0131% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6268% | 2,892 |
| Assets per employee ($millions) | 4.7731% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 1,090 |
| Loan loss allowance to noncurrent loans | 388.9118% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,184 |
| Noncurrent loans to loans | 0.4197% | 3,276 |
| Net loans and leases to total assets | 79.3742% | 1,025 |
| Net loans and leases to deposits | 94.9871% | 1,134 |
| Net loans and leases to core deposits | 97.8605% | 1,842 |
| Total domestic deposits to total assets | 83.5631% | 3,478 |
| Equity capital to assets | 12.6335% | 1,413 |
| Core capital (leverage) ratio | 11.8188% | 1,765 |
| Tier 1 risk-based capital ratio | 14.1489% | 3,303 |
| Total risk-based capital ratio | 15.4415% | 3,202 |
| Memoranda: | ||
| Average total assets | $4,718,166,000 | 228 |
| Average earning assets | $4,329,874,000 | 229 |
| Average equity | $589,291,500 | 215 |
| Average total loans | $3,799,857,000 | 208 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,961 |
| Cost of funding earning assets | 0.2740% | 4,371 |
| Net interest margin | 3.5522% | 3,332 |
| Noninterest income to average assets | 1.5340% | 448 |
| Noninterest expense to average assets | 3.6856% | 813 |
| Loan and lease loss provision to assets | -0.1589% | 5,545 |
| Net operating income to assets | 0.7992% | 3,161 |
| Return on assets (ROA) | 0.7977% | 3,210 |
| Pretax return on assets | 1.2505% | 2,552 |
| Return on Equity (ROE) | 6.4488% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.4488% | 1,302 |
| Net charge-offs to loans | -0.1961% | 5,520 |
| Credit loss provision to net charge-offs | 101.2287% | 2,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0388% | 1,477 |
| Assets per employee ($millions) | 4.7875% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 1,065 |
| Loan loss allowance to noncurrent loans | 367.9765% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 3,124 |
| Noncurrent loans to loans | 0.4440% | 3,188 |
| Net loans and leases to total assets | 79.0690% | 1,106 |
| Net loans and leases to deposits | 94.5383% | 1,215 |
| Net loans and leases to core deposits | 97.3726% | 1,908 |
| Total domestic deposits to total assets | 83.6370% | 3,338 |
| Equity capital to assets | 12.3463% | 1,614 |
| Core capital (leverage) ratio | 11.4631% | 1,964 |
| Tier 1 risk-based capital ratio | 13.7239% | 3,508 |
| Total risk-based capital ratio | 15.0574% | 3,379 |
| Memoranda: | ||
| Average total assets | $4,563,967,000 | 221 |
| Average earning assets | $4,169,944,600 | 220 |
| Average equity | $564,566,600 | 212 |
| Average total loans | $3,651,776,000 | 204 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 4,087 |
| Cost of funding earning assets | 0.2623% | 4,461 |
| Net interest margin | 3.5112% | 3,466 |
| Noninterest income to average assets | 1.5651% | 445 |
| Noninterest expense to average assets | 3.5255% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7768% | 3,612 |
| Return on assets (ROA) | 0.7768% | 3,665 |
| Pretax return on assets | 1.2446% | 2,736 |
| Return on Equity (ROE) | 6.2764% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.2764% | 2,071 |
| Net charge-offs to loans | -0.2122% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8357% | 1,921 |
| Assets per employee ($millions) | 4.7565% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 809 |
| Loan loss allowance to noncurrent loans | 312.5749% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,888 |
| Noncurrent loans to loans | 0.5848% | 2,944 |
| Net loans and leases to total assets | 77.3723% | 1,370 |
| Net loans and leases to deposits | 96.9385% | 1,012 |
| Net loans and leases to core deposits | 99.7956% | 1,723 |
| Total domestic deposits to total assets | 79.8158% | 4,358 |
| Equity capital to assets | 12.1829% | 1,846 |
| Core capital (leverage) ratio | 11.6958% | 1,890 |
| Tier 1 risk-based capital ratio | 13.5772% | 3,650 |
| Total risk-based capital ratio | 14.9129% | 3,534 |
| Memoranda: | ||
| Average total assets | $4,524,841,750 | 224 |
| Average earning assets | $4,130,313,750 | 222 |
| Average equity | $560,007,000 | 212 |
| Average total loans | $3,616,115,250 | 205 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,158 |
| Cost of funding earning assets | 0.2452% | 4,587 |
| Net interest margin | 3.4755% | 3,489 |
| Noninterest income to average assets | 1.5631% | 447 |
| Noninterest expense to average assets | 3.5105% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7646% | 3,570 |
| Return on assets (ROA) | 0.7646% | 3,616 |
| Pretax return on assets | 1.2216% | 2,689 |
| Return on Equity (ROE) | 6.1439% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1439% | 2,039 |
| Net charge-offs to loans | -0.2184% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1102% | 1,992 |
| Assets per employee ($millions) | 4.5940% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 871 |
| Loan loss allowance to noncurrent loans | 271.6332% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,688 |
| Noncurrent loans to loans | 0.6664% | 2,751 |
| Net loans and leases to total assets | 79.1093% | 1,080 |
| Net loans and leases to deposits | 98.8129% | 823 |
| Net loans and leases to core deposits | 101.8401% | 1,524 |
| Total domestic deposits to total assets | 80.0597% | 4,396 |
| Equity capital to assets | 12.4779% | 1,633 |
| Core capital (leverage) ratio | 11.6633% | 1,859 |
| Tier 1 risk-based capital ratio | 13.6733% | 3,607 |
| Total risk-based capital ratio | 15.0120% | 3,472 |
| Memoranda: | ||
| Average total assets | $4,463,476,670 | 230 |
| Average earning assets | $4,069,895,000 | 229 |
| Average equity | $555,447,000 | 216 |
| Average total loans | $3,584,405,000 | 209 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,143 |
| Cost of funding earning assets | 0.2306% | 4,712 |
| Net interest margin | 3.4584% | 3,426 |
| Noninterest income to average assets | 1.5877% | 445 |
| Noninterest expense to average assets | 3.5708% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7328% | 3,546 |
| Return on assets (ROA) | 0.7328% | 3,599 |
| Pretax return on assets | 1.1686% | 2,713 |
| Return on Equity (ROE) | 5.8970% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.8970% | 2,393 |
| Net charge-offs to loans | -0.1739% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2689% | 2,025 |
| Assets per employee ($millions) | 4.4564% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 967 |
| Loan loss allowance to noncurrent loans | 234.2722% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 2,501 |
| Noncurrent loans to loans | 0.7666% | 2,563 |
| Net loans and leases to total assets | 78.8643% | 1,001 |
| Net loans and leases to deposits | 95.6845% | 961 |
| Net loans and leases to core deposits | 98.4314% | 1,627 |
| Total domestic deposits to total assets | 82.4212% | 4,052 |
| Equity capital to assets | 12.5832% | 1,473 |
| Core capital (leverage) ratio | 11.5495% | 1,909 |
| Tier 1 risk-based capital ratio | 13.6530% | 3,681 |
| Total risk-based capital ratio | 14.9938% | 3,541 |
| Memoranda: | ||
| Average total assets | $4,432,693,000 | 233 |
| Average earning assets | $4,039,593,500 | 231 |
| Average equity | $550,854,500 | 217 |
| Average total loans | $3,553,744,500 | 210 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,440 |
| Cost of funding earning assets | 0.2216% | 4,818 |
| Net interest margin | 3.4072% | 3,803 |
| Noninterest income to average assets | 1.5914% | 485 |
| Noninterest expense to average assets | 3.5724% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6999% | 3,784 |
| Return on assets (ROA) | 0.6884% | 3,946 |
| Pretax return on assets | 1.1060% | 3,079 |
| Return on Equity (ROE) | 5.6336% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.6336% | 1,931 |
| Net charge-offs to loans | -0.0791% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9897% | 1,983 |
| Assets per employee ($millions) | 4.4805% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 1,058 |
| Loan loss allowance to noncurrent loans | 225.1759% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,523 |
| Noncurrent loans to loans | 0.7735% | 2,591 |
| Net loans and leases to total assets | 78.6433% | 1,099 |
| Net loans and leases to deposits | 94.3245% | 1,165 |
| Net loans and leases to core deposits | 97.3296% | 1,813 |
| Total domestic deposits to total assets | 83.3753% | 3,636 |
| Equity capital to assets | 12.2725% | 1,647 |
| Core capital (leverage) ratio | 10.9683% | 2,371 |
| Tier 1 risk-based capital ratio | 13.2592% | 3,919 |
| Total risk-based capital ratio | 14.6428% | 3,736 |
| Memoranda: | ||
| Average total assets | $4,360,379,000 | 223 |
| Average earning assets | $3,973,613,800 | 217 |
| Average equity | $532,836,600 | 208 |
| Average total loans | $3,462,274,000 | 204 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 4,557 |
| Cost of funding earning assets | 0.2194% | 4,883 |
| Net interest margin | 3.3793% | 3,920 |
| Noninterest income to average assets | 1.4925% | 540 |
| Noninterest expense to average assets | 3.5093% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6678% | 4,008 |
| Return on assets (ROA) | 0.6678% | 4,132 |
| Pretax return on assets | 1.0642% | 3,377 |
| Return on Equity (ROE) | 5.4707% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.4707% | 2,500 |
| Net charge-offs to loans | -0.0786% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6534% | 1,883 |
| Assets per employee ($millions) | 4.5468% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 1,145 |
| Loan loss allowance to noncurrent loans | 264.7112% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 2,990 |
| Noncurrent loans to loans | 0.6533% | 3,063 |
| Net loans and leases to total assets | 76.7753% | 1,401 |
| Net loans and leases to deposits | 93.1130% | 1,355 |
| Net loans and leases to core deposits | 96.4942% | 1,942 |
| Total domestic deposits to total assets | 82.4540% | 3,795 |
| Equity capital to assets | 11.9245% | 2,168 |
| Core capital (leverage) ratio | 10.9463% | 2,508 |
| Tier 1 risk-based capital ratio | 12.7260% | 4,328 |
| Total risk-based capital ratio | 14.2257% | 4,093 |
| Memoranda: | ||
| Average total assets | $4,337,076,250 | 224 |
| Average earning assets | $3,954,257,500 | 219 |
| Average equity | $529,404,250 | 208 |
| Average total loans | $3,436,709,750 | 203 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 4,543 |
| Cost of funding earning assets | 0.2198% | 4,940 |
| Net interest margin | 3.3962% | 3,909 |
| Noninterest income to average assets | 1.4187% | 572 |
| Noninterest expense to average assets | 3.5657% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5962% | 4,288 |
| Return on assets (ROA) | 0.5962% | 4,411 |
| Pretax return on assets | 0.9436% | 3,794 |
| Return on Equity (ROE) | 4.8450% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.8450% | 2,828 |
| Net charge-offs to loans | -0.0233% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9932% | 1,637 |
| Assets per employee ($millions) | 4.4204% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,237 |
| Loan loss allowance to noncurrent loans | 253.2666% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 3,014 |
| Noncurrent loans to loans | 0.6788% | 3,036 |
| Net loans and leases to total assets | 78.1166% | 1,185 |
| Net loans and leases to deposits | 95.4279% | 1,145 |
| Net loans and leases to core deposits | 99.0019% | 1,724 |
| Total domestic deposits to total assets | 81.8593% | 4,035 |
| Equity capital to assets | 12.1921% | 1,979 |
| Core capital (leverage) ratio | 11.0537% | 2,381 |
| Tier 1 risk-based capital ratio | 12.6661% | 4,405 |
| Total risk-based capital ratio | 14.1693% | 4,164 |
| Memoranda: | ||
| Average total assets | $4,268,683,670 | 227 |
| Average earning assets | $3,884,641,330 | 222 |
| Average equity | $525,325,000 | 209 |
| Average total loans | $3,399,380,000 | 206 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,481 |
| Cost of funding earning assets | 0.2188% | 5,017 |
| Net interest margin | 3.4282% | 3,773 |
| Noninterest income to average assets | 1.4143% | 558 |
| Noninterest expense to average assets | 3.6097% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5839% | 4,255 |
| Return on assets (ROA) | 0.5839% | 4,372 |
| Pretax return on assets | 0.9221% | 3,756 |
| Return on Equity (ROE) | 4.7219% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.7219% | 3,103 |
| Net charge-offs to loans | -0.0503% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5718% | 1,656 |
| Assets per employee ($millions) | 4.3564% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 1,201 |
| Loan loss allowance to noncurrent loans | 230.0423% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 2,920 |
| Noncurrent loans to loans | 0.7716% | 2,909 |
| Net loans and leases to total assets | 77.6246% | 1,149 |
| Net loans and leases to deposits | 94.6410% | 1,079 |
| Net loans and leases to core deposits | 98.2342% | 1,620 |
| Total domestic deposits to total assets | 82.0201% | 4,217 |
| Equity capital to assets | 12.3317% | 1,796 |
| Core capital (leverage) ratio | 11.0138% | 2,399 |
| Tier 1 risk-based capital ratio | 12.5724% | 4,535 |
| Total risk-based capital ratio | 14.0811% | 4,285 |
| Memoranda: | ||
| Average total assets | $4,217,113,500 | 227 |
| Average earning assets | $3,834,815,000 | 224 |
| Average equity | $521,480,000 | 210 |
| Average total loans | $3,361,640,000 | 205 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,446 |
| Cost of funding earning assets | 0.2195% | 5,098 |
| Net interest margin | 3.4542% | 3,701 |
| Noninterest income to average assets | 1.6688% | 469 |
| Noninterest expense to average assets | 3.7900% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6338% | 4,118 |
| Return on assets (ROA) | 0.6342% | 4,205 |
| Pretax return on assets | 0.9965% | 3,490 |
| Return on Equity (ROE) | 5.0462% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.0462% | 2,380 |
| Net charge-offs to loans | -0.1543% | 5,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1115% | 1,802 |
| Assets per employee ($millions) | 4.2900% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4941% | 397 |
| Loan loss allowance to noncurrent loans | 271.4957% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 2,483 |
| Noncurrent loans to loans | 0.9186% | 2,504 |
| Net loans and leases to total assets | 78.9844% | 995 |
| Net loans and leases to deposits | 95.7724% | 1,036 |
| Net loans and leases to core deposits | 99.4497% | 1,556 |
| Total domestic deposits to total assets | 82.4709% | 4,025 |
| Equity capital to assets | 12.3992% | 1,671 |
| Core capital (leverage) ratio | 11.1945% | 2,223 |
| Tier 1 risk-based capital ratio | 12.6227% | 4,558 |
| Total risk-based capital ratio | 14.2281% | 4,243 |
| Memoranda: | ||
| Average total assets | $4,027,050,000 | 224 |
| Average earning assets | $3,633,960,600 | 222 |
| Average equity | $506,141,600 | 207 |
| Average total loans | $3,210,740,800 | 202 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6744% | 4,508 |
| Cost of funding earning assets | 0.2216% | 5,162 |
| Net interest margin | 3.4528% | 3,739 |
| Noninterest income to average assets | 1.6706% | 466 |
| Noninterest expense to average assets | 3.7295% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6467% | 4,149 |
| Return on assets (ROA) | 0.6471% | 4,260 |
| Pretax return on assets | 1.0544% | 3,393 |
| Return on Equity (ROE) | 5.1304% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.1304% | 2,818 |
| Net charge-offs to loans | -0.1417% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8862% | 1,959 |
| Assets per employee ($millions) | 4.2053% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4975% | 438 |
| Loan loss allowance to noncurrent loans | 269.3665% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 2,555 |
| Noncurrent loans to loans | 0.9272% | 2,655 |
| Net loans and leases to total assets | 78.9463% | 964 |
| Net loans and leases to deposits | 94.3307% | 1,167 |
| Net loans and leases to core deposits | 98.0097% | 1,694 |
| Total domestic deposits to total assets | 83.6910% | 3,541 |
| Equity capital to assets | 12.5337% | 1,731 |
| Core capital (leverage) ratio | 11.1391% | 2,362 |
| Tier 1 risk-based capital ratio | 12.6233% | 4,666 |
| Total risk-based capital ratio | 14.2384% | 4,360 |
| Memoranda: | ||
| Average total assets | $3,990,267,000 | 229 |
| Average earning assets | $3,597,263,500 | 226 |
| Average equity | $503,286,000 | 210 |
| Average total loans | $3,168,105,250 | 205 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,499 |
| Cost of funding earning assets | 0.2247% | 5,196 |
| Net interest margin | 3.4464% | 3,727 |
| Noninterest income to average assets | 1.6942% | 468 |
| Noninterest expense to average assets | 3.7193% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6530% | 4,109 |
| Return on assets (ROA) | 0.6536% | 4,213 |
| Pretax return on assets | 1.0779% | 3,268 |
| Return on Equity (ROE) | 5.1706% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.1706% | 2,752 |
| Net charge-offs to loans | -0.1489% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4617% | 2,143 |
| Assets per employee ($millions) | 4.1607% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5585% | 456 |
| Loan loss allowance to noncurrent loans | 348.9770% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 3,038 |
| Noncurrent loans to loans | 0.7331% | 3,281 |
| Net loans and leases to total assets | 77.4180% | 1,149 |
| Net loans and leases to deposits | 92.4823% | 1,322 |
| Net loans and leases to core deposits | 96.0622% | 1,793 |
| Total domestic deposits to total assets | 83.7111% | 3,686 |
| Equity capital to assets | 12.5753% | 1,615 |
| Core capital (leverage) ratio | 11.1672% | 2,273 |
| Tier 1 risk-based capital ratio | 13.0557% | 4,489 |
| Total risk-based capital ratio | 14.6782% | 4,192 |
| Memoranda: | ||
| Average total assets | $3,956,439,330 | 232 |
| Average earning assets | $3,561,279,000 | 230 |
| Average equity | $500,099,000 | 213 |
| Average total loans | $3,119,797,670 | 209 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,369 |
| Cost of funding earning assets | 0.2291% | 5,227 |
| Net interest margin | 3.4702% | 3,551 |
| Noninterest income to average assets | 1.6723% | 456 |
| Noninterest expense to average assets | 3.5792% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7530% | 3,521 |
| Return on assets (ROA) | 0.7530% | 3,657 |
| Pretax return on assets | 1.2179% | 2,596 |
| Return on Equity (ROE) | 5.9417% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.9417% | 2,534 |
| Net charge-offs to loans | -0.2062% | 6,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5284% | 2,729 |
| Assets per employee ($millions) | 4.0827% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6202% | 451 |
| Loan loss allowance to noncurrent loans | 287.6132% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 2,718 |
| Noncurrent loans to loans | 0.9110% | 2,964 |
| Net loans and leases to total assets | 76.5340% | 1,131 |
| Net loans and leases to deposits | 92.4486% | 1,138 |
| Net loans and leases to core deposits | 96.5051% | 1,580 |
| Total domestic deposits to total assets | 82.7854% | 4,240 |
| Equity capital to assets | 12.7513% | 1,541 |
| Core capital (leverage) ratio | 10.9337% | 2,482 |
| Tier 1 risk-based capital ratio | 13.2897% | 4,444 |
| Total risk-based capital ratio | 14.9298% | 4,140 |
| Memoranda: | ||
| Average total assets | $3,925,059,000 | 231 |
| Average earning assets | $3,534,310,500 | 231 |
| Average equity | $497,435,000 | 210 |
| Average total loans | $3,083,054,500 | 206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 4,471 |
| Cost of funding earning assets | 0.2412% | 5,414 |
| Net interest margin | 3.5653% | 3,539 |
| Noninterest income to average assets | 1.6741% | 457 |
| Noninterest expense to average assets | 3.8219% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6697% | 4,039 |
| Return on assets (ROA) | 0.6888% | 4,066 |
| Pretax return on assets | 1.0679% | 3,215 |
| Return on Equity (ROE) | 5.3831% | 4,469 |
| Retained earnings to average equity (ytd only) | -10.7375% | 6,328 |
| Net charge-offs to loans | 0.2527% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.3370% | 3,448 |
| Efficiency ratio | 78.5572% | 2,124 |
| Assets per employee ($millions) | 4.0438% | 3,849 |
| Cash dividends to net income (ytd only)* | 299.4684% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5804% | 496 |
| Loan loss allowance to noncurrent loans | 256.0218% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 2,639 |
| Noncurrent loans to loans | 1.0079% | 2,811 |
| Net loans and leases to total assets | 76.4768% | 1,199 |
| Net loans and leases to deposits | 92.2339% | 1,263 |
| Net loans and leases to core deposits | 96.3019% | 1,690 |
| Total domestic deposits to total assets | 82.9161% | 4,110 |
| Equity capital to assets | 12.5951% | 1,587 |
| Core capital (leverage) ratio | 10.6022% | 2,833 |
| Tier 1 risk-based capital ratio | 13.5306% | 4,392 |
| Total risk-based capital ratio | 15.3014% | 3,981 |
| Memoranda: | ||
| Average total assets | $3,878,588,800 | 221 |
| Average earning assets | $3,465,797,800 | 221 |
| Average equity | $496,261,400 | 206 |
| Average total loans | $2,985,151,600 | 200 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 4,586 |
| Cost of funding earning assets | 0.2444% | 5,463 |
| Net interest margin | 3.5429% | 3,659 |
| Noninterest income to average assets | 1.6638% | 471 |
| Noninterest expense to average assets | 3.8134% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6576% | 4,178 |
| Return on assets (ROA) | 0.6836% | 4,112 |
| Pretax return on assets | 1.0519% | 3,369 |
| Return on Equity (ROE) | 5.3215% | 4,567 |
| Retained earnings to average equity (ytd only) | -16.1425% | 6,454 |
| Net charge-offs to loans | 0.2406% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.4925% | 3,251 |
| Efficiency ratio | 78.9444% | 2,061 |
| Assets per employee ($millions) | 3.9402% | 4,011 |
| Cash dividends to net income (ytd only)* | 403.3478% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7068% | 487 |
| Loan loss allowance to noncurrent loans | 212.4017% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 2,384 |
| Noncurrent loans to loans | 1.2744% | 2,513 |
| Net loans and leases to total assets | 77.9232% | 971 |
| Net loans and leases to deposits | 93.1436% | 1,113 |
| Net loans and leases to core deposits | 94.8642% | 1,770 |
| Total domestic deposits to total assets | 83.6592% | 3,896 |
| Equity capital to assets | 12.9258% | 1,467 |
| Core capital (leverage) ratio | 10.4714% | 3,074 |
| Tier 1 risk-based capital ratio | 13.5113% | 4,531 |
| Total risk-based capital ratio | 15.2953% | 4,123 |
| Memoranda: | ||
| Average total assets | $3,868,619,500 | 218 |
| Average earning assets | $3,452,281,000 | 220 |
| Average equity | $496,943,500 | 206 |
| Average total loans | $2,962,416,250 | 199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,788 |
| Cost of funding earning assets | 0.2450% | 5,532 |
| Net interest margin | 3.4787% | 3,864 |
| Noninterest income to average assets | 1.5662% | 511 |
| Noninterest expense to average assets | 3.6525% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6624% | 4,034 |
| Return on assets (ROA) | 0.7009% | 3,926 |
| Pretax return on assets | 1.0753% | 3,195 |
| Return on Equity (ROE) | 5.4673% | 4,451 |
| Retained earnings to average equity (ytd only) | -26.5030% | 6,570 |
| Net charge-offs to loans | 0.2117% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.3608% | 2,781 |
| Efficiency ratio | 78.1503% | 2,270 |
| Assets per employee ($millions) | 4.1003% | 3,644 |
| Cash dividends to net income (ytd only)* | 584.7526% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 484 |
| Loan loss allowance to noncurrent loans | 313.5284% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 2,899 |
| Noncurrent loans to loans | 0.8842% | 3,491 |
| Net loans and leases to total assets | 75.2987% | 1,264 |
| Net loans and leases to deposits | 88.9809% | 1,481 |
| Net loans and leases to core deposits | 90.8888% | 2,044 |
| Total domestic deposits to total assets | 84.6235% | 3,673 |
| Equity capital to assets | 12.3255% | 1,759 |
| Core capital (leverage) ratio | 10.2970% | 3,220 |
| Tier 1 risk-based capital ratio | 13.2191% | 4,773 |
| Total risk-based capital ratio | 15.0024% | 4,365 |
| Memoranda: | ||
| Average total assets | $3,903,867,000 | 217 |
| Average earning assets | $3,481,456,330 | 215 |
| Average equity | $500,464,000 | 204 |
| Average total loans | $2,945,311,670 | 196 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,814 |
| Cost of funding earning assets | 0.2483% | 5,593 |
| Net interest margin | 3.4613% | 3,855 |
| Noninterest income to average assets | 1.6025% | 475 |
| Noninterest expense to average assets | 3.6296% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6919% | 3,730 |
| Return on assets (ROA) | 0.6919% | 3,808 |
| Pretax return on assets | 1.0603% | 3,085 |
| Return on Equity (ROE) | 5.2951% | 4,390 |
| Retained earnings to average equity (ytd only) | -57.4334% | 6,681 |
| Net charge-offs to loans | -0.0595% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3064% | 2,594 |
| Assets per employee ($millions) | 4.1742% | 3,583 |
| Cash dividends to net income (ytd only)* | 1,184.6587% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9905% | 441 |
| Loan loss allowance to noncurrent loans | 269.9329% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2068% | 2,846 |
| Noncurrent loans to loans | 1.1079% | 3,208 |
| Net loans and leases to total assets | 72.7613% | 1,454 |
| Net loans and leases to deposits | 86.1808% | 1,584 |
| Net loans and leases to core deposits | 88.0736% | 2,084 |
| Total domestic deposits to total assets | 84.4287% | 4,112 |
| Equity capital to assets | 12.1658% | 1,767 |
| Core capital (leverage) ratio | 10.0319% | 3,528 |
| Tier 1 risk-based capital ratio | 13.4284% | 4,746 |
| Total risk-based capital ratio | 15.2322% | 4,287 |
| Memoranda: | ||
| Average total assets | $3,904,069,000 | 215 |
| Average earning assets | $3,482,342,000 | 216 |
| Average equity | $510,135,000 | 201 |
| Average total loans | $2,906,437,000 | 196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,642 |
| Cost of funding earning assets | 0.3319% | 5,308 |
| Net interest margin | 3.5127% | 3,840 |
| Noninterest income to average assets | 1.8605% | 434 |
| Noninterest expense to average assets | 4.0152% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 3.6166% | 75 |
| Return on assets (ROA) | 3.6270% | 73 |
| Pretax return on assets | 1.0423% | 3,180 |
| Return on Equity (ROE) | 29.4798% | 78 |
| Retained earnings to average equity (ytd only) | 29.4798% | 35 |
| Net charge-offs to loans | 0.1659% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.2087% | 2,708 |
| Efficiency ratio | 79.4706% | 2,241 |
| Assets per employee ($millions) | 4.2447% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0058% | 463 |
| Loan loss allowance to noncurrent loans | 309.1184% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 3,024 |
| Noncurrent loans to loans | 0.9724% | 3,576 |
| Net loans and leases to total assets | 71.6701% | 1,741 |
| Net loans and leases to deposits | 87.4760% | 1,522 |
| Net loans and leases to core deposits | 89.4859% | 2,084 |
| Total domestic deposits to total assets | 81.9312% | 4,901 |
| Equity capital to assets | 13.9633% | 908 |
| Core capital (leverage) ratio | 12.0590% | 1,564 |
| Tier 1 risk-based capital ratio | 15.8308% | 3,187 |
| Total risk-based capital ratio | 17.6438% | 2,860 |
| Memoranda: | ||
| Average total assets | $3,724,365,000 | 214 |
| Average earning assets | $3,378,644,000 | 210 |
| Average equity | $458,225,000 | 208 |
| Average total loans | $2,822,850,000 | 191 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 4,497 |
| Cost of funding earning assets | 0.3603% | 5,191 |
| Net interest margin | 3.5414% | 3,703 |
| Noninterest income to average assets | 2.0409% | 406 |
| Noninterest expense to average assets | 4.0009% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2526% | 1,481 |
| Return on assets (ROA) | 1.2665% | 1,509 |
| Pretax return on assets | 1.2799% | 2,411 |
| Return on Equity (ROE) | 10.6768% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.6768% | 644 |
| Net charge-offs to loans | 0.1225% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.5468% | 2,019 |
| Efficiency ratio | 75.8849% | 2,750 |
| Assets per employee ($millions) | 3.9517% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1887% | 458 |
| Loan loss allowance to noncurrent loans | 282.9276% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 2,926 |
| Noncurrent loans to loans | 1.1270% | 3,549 |
| Net loans and leases to total assets | 73.6259% | 1,342 |
| Net loans and leases to deposits | 87.0167% | 1,489 |
| Net loans and leases to core deposits | 89.2115% | 2,050 |
| Total domestic deposits to total assets | 84.6112% | 3,923 |
| Equity capital to assets | 12.2309% | 1,761 |
| Core capital (leverage) ratio | 11.7584% | 1,847 |
| Tier 1 risk-based capital ratio | 16.0917% | 3,139 |
| Total risk-based capital ratio | 17.9328% | 2,825 |
| Memoranda: | ||
| Average total assets | $3,677,050,750 | 213 |
| Average earning assets | $3,349,403,500 | 210 |
| Average equity | $436,163,750 | 215 |
| Average total loans | $2,805,607,750 | 189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,447 |
| Cost of funding earning assets | 0.3950% | 4,986 |
| Net interest margin | 3.5119% | 3,733 |
| Noninterest income to average assets | 2.2054% | 387 |
| Noninterest expense to average assets | 3.9260% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4660% | 954 |
| Return on assets (ROA) | 1.4695% | 1,028 |
| Pretax return on assets | 1.4860% | 1,663 |
| Return on Equity (ROE) | 12.5178% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.5178% | 430 |
| Net charge-offs to loans | 0.0905% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.4403% | 1,414 |
| Efficiency ratio | 72.5101% | 3,386 |
| Assets per employee ($millions) | 3.9230% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2339% | 472 |
| Loan loss allowance to noncurrent loans | 243.1063% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 1.6249% | 2,670 |
| Noncurrent loans to loans | 1.3302% | 3,332 |
| Net loans and leases to total assets | 74.2453% | 1,212 |
| Net loans and leases to deposits | 87.7924% | 1,369 |
| Net loans and leases to core deposits | 91.4799% | 1,763 |
| Total domestic deposits to total assets | 84.5691% | 4,101 |
| Equity capital to assets | 12.1319% | 1,823 |
| Core capital (leverage) ratio | 11.7025% | 1,796 |
| Tier 1 risk-based capital ratio | 15.8767% | 3,277 |
| Total risk-based capital ratio | 17.7215% | 2,908 |
| Memoranda: | ||
| Average total assets | $3,679,031,670 | 213 |
| Average earning assets | $3,355,551,330 | 208 |
| Average equity | $431,882,000 | 215 |
| Average total loans | $2,810,173,000 | 187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 4,302 |
| Cost of funding earning assets | 0.4353% | 4,750 |
| Net interest margin | 3.5129% | 3,643 |
| Noninterest income to average assets | 2.2829% | 358 |
| Noninterest expense to average assets | 4.1614% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3252% | 1,216 |
| Return on assets (ROA) | 1.3321% | 1,300 |
| Pretax return on assets | 1.3353% | 2,098 |
| Return on Equity (ROE) | 11.5375% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.5375% | 769 |
| Net charge-offs to loans | 0.1134% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.3717% | 1,404 |
| Efficiency ratio | 75.7255% | 2,971 |
| Assets per employee ($millions) | 4.0112% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2618% | 512 |
| Loan loss allowance to noncurrent loans | 182.1764% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 2,333 |
| Noncurrent loans to loans | 1.7905% | 2,874 |
| Net loans and leases to total assets | 74.1860% | 1,048 |
| Net loans and leases to deposits | 87.5589% | 1,189 |
| Net loans and leases to core deposits | 92.4670% | 1,457 |
| Total domestic deposits to total assets | 84.7269% | 4,168 |
| Equity capital to assets | 11.9195% | 2,096 |
| Core capital (leverage) ratio | 11.0665% | 2,207 |
| Tier 1 risk-based capital ratio | 15.3279% | 3,636 |
| Total risk-based capital ratio | 17.1734% | 3,277 |
| Memoranda: | ||
| Average total assets | $3,698,292,500 | 217 |
| Average earning assets | $3,376,130,500 | 211 |
| Average equity | $426,991,500 | 223 |
| Average total loans | $2,818,641,000 | 191 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 5,135 |
| Cost of funding earning assets | 0.6136% | 4,223 |
| Net interest margin | 3.4395% | 4,743 |
| Noninterest income to average assets | 1.7569% | 529 |
| Noninterest expense to average assets | 3.5404% | 1,739 |
| Loan and lease loss provision to assets | 0.8110% | 595 |
| Net operating income to assets | 0.5907% | 4,277 |
| Return on assets (ROA) | 0.6340% | 4,336 |
| Pretax return on assets | 0.5806% | 5,050 |
| Return on Equity (ROE) | 6.6416% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.6416% | 1,747 |
| Net charge-offs to loans | 2.1800% | 315 |
| Credit loss provision to net charge-offs | 51.2821% | 4,668 |
| Earnings coverage of net charge-offs (x) | 0.8525% | 5,050 |
| Efficiency ratio | 72.1961% | 3,380 |
| Assets per employee ($millions) | 4.1990% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2103% | 548 |
| Loan loss allowance to noncurrent loans | 141.0840% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 1,901 |
| Noncurrent loans to loans | 2.2754% | 2,377 |
| Net loans and leases to total assets | 73.3270% | 1,282 |
| Net loans and leases to deposits | 87.1227% | 1,372 |
| Net loans and leases to core deposits | 92.0317% | 1,632 |
| Total domestic deposits to total assets | 84.1652% | 4,244 |
| Equity capital to assets | 11.1853% | 2,754 |
| Core capital (leverage) ratio | 10.2150% | 3,120 |
| Tier 1 risk-based capital ratio | 14.4128% | 4,086 |
| Total risk-based capital ratio | 16.2400% | 3,677 |
| Memoranda: | ||
| Average total assets | $3,896,623,200 | 211 |
| Average earning assets | $3,547,887,600 | 205 |
| Average equity | $371,987,400 | 237 |
| Average total loans | $2,826,635,800 | 187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 5,263 |
| Cost of funding earning assets | 0.6508% | 4,194 |
| Net interest margin | 3.4300% | 4,924 |
| Noninterest income to average assets | 1.8027% | 492 |
| Noninterest expense to average assets | 3.4657% | 1,841 |
| Loan and lease loss provision to assets | 1.0180% | 397 |
| Net operating income to assets | 0.4506% | 5,032 |
| Return on assets (ROA) | 0.5079% | 5,078 |
| Pretax return on assets | 0.4992% | 5,469 |
| Return on Equity (ROE) | 5.5484% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.5484% | 3,006 |
| Net charge-offs to loans | 2.3082% | 284 |
| Credit loss provision to net charge-offs | 61.4527% | 4,120 |
| Earnings coverage of net charge-offs (x) | 0.8813% | 4,892 |
| Efficiency ratio | 70.1303% | 3,666 |
| Assets per employee ($millions) | 4.2660% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7014% | 394 |
| Loan loss allowance to noncurrent loans | 137.8638% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 2.9866% | 1,750 |
| Noncurrent loans to loans | 2.6848% | 2,112 |
| Net loans and leases to total assets | 71.1663% | 1,699 |
| Net loans and leases to deposits | 84.9998% | 1,726 |
| Net loans and leases to core deposits | 90.8262% | 1,891 |
| Total domestic deposits to total assets | 83.7252% | 4,349 |
| Equity capital to assets | 10.9899% | 3,293 |
| Core capital (leverage) ratio | 10.0857% | 3,423 |
| Tier 1 risk-based capital ratio | 14.3120% | 4,323 |
| Total risk-based capital ratio | 16.1556% | 3,872 |
| Memoranda: | ||
| Average total assets | $3,929,164,000 | 212 |
| Average earning assets | $3,577,281,000 | 205 |
| Average equity | $359,662,000 | 245 |
| Average total loans | $2,819,936,000 | 189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 5,312 |
| Cost of funding earning assets | 0.7032% | 3,992 |
| Net interest margin | 3.3970% | 5,102 |
| Noninterest income to average assets | 1.8002% | 477 |
| Noninterest expense to average assets | 3.3871% | 2,062 |
| Loan and lease loss provision to assets | 1.3647% | 281 |
| Net operating income to assets | 0.1566% | 6,025 |
| Return on assets (ROA) | 0.2413% | 5,976 |
| Pretax return on assets | 0.2269% | 6,105 |
| Return on Equity (ROE) | 2.8139% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.8139% | 4,754 |
| Net charge-offs to loans | 2.6671% | 250 |
| Credit loss provision to net charge-offs | 71.9691% | 3,513 |
| Earnings coverage of net charge-offs (x) | 0.7947% | 4,658 |
| Efficiency ratio | 68.9618% | 3,948 |
| Assets per employee ($millions) | 4.3325% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9974% | 347 |
| Loan loss allowance to noncurrent loans | 113.5707% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 3.4937% | 1,528 |
| Noncurrent loans to loans | 3.5197% | 1,628 |
| Net loans and leases to total assets | 69.7815% | 1,958 |
| Net loans and leases to deposits | 82.6699% | 2,028 |
| Net loans and leases to core deposits | 90.1471% | 1,967 |
| Total domestic deposits to total assets | 84.4099% | 4,136 |
| Equity capital to assets | 10.4587% | 3,733 |
| Core capital (leverage) ratio | 9.6030% | 3,996 |
| Tier 1 risk-based capital ratio | 13.7982% | 4,595 |
| Total risk-based capital ratio | 15.6398% | 4,144 |
| Memoranda: | ||
| Average total assets | $3,986,103,670 | 207 |
| Average earning assets | $3,630,482,670 | 202 |
| Average equity | $341,869,330 | 250 |
| Average total loans | $2,834,088,330 | 188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 5,468 |
| Cost of funding earning assets | 0.7972% | 3,495 |
| Net interest margin | 3.2996% | 5,483 |
| Noninterest income to average assets | 1.7805% | 486 |
| Noninterest expense to average assets | 3.3961% | 2,017 |
| Loan and lease loss provision to assets | 1.3764% | 267 |
| Net operating income to assets | 0.0173% | 6,385 |
| Return on assets (ROA) | 0.1800% | 6,183 |
| Pretax return on assets | 0.1830% | 6,230 |
| Return on Equity (ROE) | 2.3401% | 5,968 |
| Retained earnings to average equity (ytd only) | 2.3401% | 5,092 |
| Net charge-offs to loans | 2.2804% | 380 |
| Credit loss provision to net charge-offs | 85.7948% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 3,896 |
| Efficiency ratio | 70.6497% | 3,690 |
| Assets per employee ($millions) | 4.5267% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2341% | 310 |
| Loan loss allowance to noncurrent loans | 94.2742% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 4.1783% | 1,304 |
| Noncurrent loans to loans | 4.4913% | 1,304 |
| Net loans and leases to total assets | 67.5856% | 2,189 |
| Net loans and leases to deposits | 79.4919% | 2,275 |
| Net loans and leases to core deposits | 87.9455% | 2,060 |
| Total domestic deposits to total assets | 85.0221% | 4,026 |
| Equity capital to assets | 9.9113% | 4,241 |
| Core capital (leverage) ratio | 8.9854% | 4,859 |
| Tier 1 risk-based capital ratio | 13.3089% | 4,968 |
| Total risk-based capital ratio | 15.1218% | 4,532 |
| Memoranda: | ||
| Average total assets | $4,068,534,500 | 200 |
| Average earning assets | $3,710,176,000 | 195 |
| Average equity | $312,977,500 | 262 |
| Average total loans | $2,862,357,500 | 185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 5,583 |
| Cost of funding earning assets | 1.0345% | 3,127 |
| Net interest margin | 3.3221% | 5,749 |
| Noninterest income to average assets | 0.8894% | 1,709 |
| Noninterest expense to average assets | 3.4804% | 2,032 |
| Loan and lease loss provision to assets | 0.9800% | 974 |
| Net operating income to assets | -0.3910% | 6,410 |
| Return on assets (ROA) | -0.3938% | 6,465 |
| Pretax return on assets | -0.5539% | 6,524 |
| Return on Equity (ROE) | -7.2722% | 6,647 |
| Retained earnings to average equity (ytd only) | -7.2722% | 6,588 |
| Net charge-offs to loans | 5.2559% | 68 |
| Credit loss provision to net charge-offs | 25.0130% | 5,854 |
| Earnings coverage of net charge-offs (x) | 0.1098% | 5,752 |
| Efficiency ratio | 88.6555% | 1,302 |
| Assets per employee ($millions) | 4.5999% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1838% | 326 |
| Loan loss allowance to noncurrent loans | 74.4327% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 5.0319% | 1,059 |
| Noncurrent loans to loans | 5.6209% | 933 |
| Net loans and leases to total assets | 67.2068% | 2,540 |
| Net loans and leases to deposits | 78.0797% | 2,830 |
| Net loans and leases to core deposits | 87.1657% | 2,477 |
| Total domestic deposits to total assets | 86.0746% | 3,278 |
| Equity capital to assets | 5.5553% | 7,123 |
| Core capital (leverage) ratio | 4.8898% | 7,157 |
| Tier 1 risk-based capital ratio | 7.3095% | 7,143 |
| Total risk-based capital ratio | 9.4797% | 7,104 |
| Memoranda: | ||
| Average total assets | $4,367,531,600 | 186 |
| Average earning assets | $3,971,639,400 | 183 |
| Average equity | $236,502,800 | 309 |
| Average total loans | $3,255,587,600 | 170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 5,483 |
| Cost of funding earning assets | 1.0793% | 3,116 |
| Net interest margin | 3.3544% | 5,703 |
| Noninterest income to average assets | 0.7815% | 2,134 |
| Noninterest expense to average assets | 3.4423% | 2,096 |
| Loan and lease loss provision to assets | 0.8952% | 1,004 |
| Net operating income to assets | -0.3027% | 6,501 |
| Return on assets (ROA) | -0.3061% | 6,563 |
| Pretax return on assets | -0.5119% | 6,628 |
| Return on Equity (ROE) | -5.6873% | 6,705 |
| Retained earnings to average equity (ytd only) | -5.6873% | 6,631 |
| Net charge-offs to loans | 5.9914% | 59 |
| Credit loss provision to net charge-offs | 19.7721% | 5,560 |
| Earnings coverage of net charge-offs (x) | 0.0858% | 5,541 |
| Efficiency ratio | 89.5053% | 1,198 |
| Assets per employee ($millions) | 4.4162% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2846% | 317 |
| Loan loss allowance to noncurrent loans | 70.3828% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 5.7084% | 964 |
| Noncurrent loans to loans | 6.0875% | 912 |
| Net loans and leases to total assets | 69.7963% | 2,116 |
| Net loans and leases to deposits | 81.2079% | 2,495 |
| Net loans and leases to core deposits | 99.7339% | 1,270 |
| Total domestic deposits to total assets | 80.9744% | 5,443 |
| Equity capital to assets | 5.7412% | 7,209 |
| Core capital (leverage) ratio | 5.0968% | 7,232 |
| Tier 1 risk-based capital ratio | 7.3317% | 7,224 |
| Total risk-based capital ratio | 9.4748% | 7,176 |
| Memoranda: | ||
| Average total assets | $4,423,283,250 | 184 |
| Average earning assets | $4,021,066,750 | 182 |
| Average equity | $238,068,500 | 309 |
| Average total loans | $3,342,728,500 | 166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 5,334 |
| Cost of funding earning assets | 1.1054% | 3,205 |
| Net interest margin | 3.4009% | 5,553 |
| Noninterest income to average assets | 0.9326% | 1,521 |
| Noninterest expense to average assets | 3.5185% | 1,937 |
| Loan and lease loss provision to assets | 0.3985% | 2,426 |
| Net operating income to assets | 0.4127% | 4,885 |
| Return on assets (ROA) | 0.4145% | 5,032 |
| Pretax return on assets | 0.1110% | 6,088 |
| Return on Equity (ROE) | 7.8623% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.8623% | 1,508 |
| Net charge-offs to loans | 7.0923% | 50 |
| Credit loss provision to net charge-offs | 7.3562% | 5,274 |
| Earnings coverage of net charge-offs (x) | 0.0937% | 5,218 |
| Efficiency ratio | 87.0654% | 1,508 |
| Assets per employee ($millions) | 4.5024% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3320% | 326 |
| Loan loss allowance to noncurrent loans | 85.9212% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 5.1927% | 1,173 |
| Noncurrent loans to loans | 5.0418% | 1,294 |
| Net loans and leases to total assets | 71.3477% | 1,918 |
| Net loans and leases to deposits | 83.4079% | 2,200 |
| Net loans and leases to core deposits | 102.7193% | 1,136 |
| Total domestic deposits to total assets | 81.5966% | 5,318 |
| Equity capital to assets | 6.0468% | 7,236 |
| Core capital (leverage) ratio | 5.3477% | 7,270 |
| Tier 1 risk-based capital ratio | 7.4673% | 7,283 |
| Total risk-based capital ratio | 9.5557% | 7,230 |
| Memoranda: | ||
| Average total assets | $4,516,912,000 | 182 |
| Average earning assets | $4,108,591,670 | 181 |
| Average equity | $238,150,330 | 311 |
| Average total loans | $3,450,084,670 | 164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 5,286 |
| Cost of funding earning assets | 1.1182% | 3,395 |
| Net interest margin | 3.3968% | 5,441 |
| Noninterest income to average assets | 1.2727% | 784 |
| Noninterest expense to average assets | 3.4966% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4623% | 953 |
| Return on assets (ROA) | 1.4623% | 992 |
| Pretax return on assets | 0.8729% | 3,607 |
| Return on Equity (ROE) | 29.7136% | 84 |
| Retained earnings to average equity (ytd only) | 29.7136% | 59 |
| Net charge-offs to loans | 8.9365% | 47 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1265% | 4,505 |
| Efficiency ratio | 79.7313% | 2,579 |
| Assets per employee ($millions) | 4.6601% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0427% | 185 |
| Loan loss allowance to noncurrent loans | 83.2177% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 6.0698% | 943 |
| Noncurrent loans to loans | 6.0597% | 1,041 |
| Net loans and leases to total assets | 71.0643% | 1,902 |
| Net loans and leases to deposits | 82.4647% | 2,279 |
| Net loans and leases to core deposits | 105.4584% | 969 |
| Total domestic deposits to total assets | 81.7362% | 5,412 |
| Equity capital to assets | 5.6592% | 7,326 |
| Core capital (leverage) ratio | 5.1606% | 7,344 |
| Tier 1 risk-based capital ratio | 7.2364% | 7,348 |
| Total risk-based capital ratio | 9.2843% | 7,293 |
| Memoranda: | ||
| Average total assets | $4,661,473,500 | 179 |
| Average earning assets | $4,249,763,000 | 176 |
| Average equity | $229,403,000 | 314 |
| Average total loans | $3,598,618,000 | 158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 5,332 |
| Cost of funding earning assets | 1.3286% | 3,695 |
| Net interest margin | 3.4959% | 5,257 |
| Noninterest income to average assets | 1.0625% | 1,327 |
| Noninterest expense to average assets | 2.8112% | 4,559 |
| Loan and lease loss provision to assets | 5.7435% | 45 |
| Net operating income to assets | -4.6207% | 7,503 |
| Return on assets (ROA) | -4.2383% | 7,478 |
| Pretax return on assets | -3.9051% | 7,425 |
| Return on Equity (ROE) | -59.2503% | 7,482 |
| Retained earnings to average equity (ytd only) | -59.2503% | 7,479 |
| Net charge-offs to loans | 4.2253% | 278 |
| Credit loss provision to net charge-offs | 169.8310% | 1,997 |
| Earnings coverage of net charge-offs (x) | 0.4306% | 5,678 |
| Efficiency ratio | 65.6097% | 5,042 |
| Assets per employee ($millions) | 4.6137% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5168% | 80 |
| Loan loss allowance to noncurrent loans | 70.0637% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 8.4354% | 561 |
| Noncurrent loans to loans | 9.3012% | 481 |
| Net loans and leases to total assets | 74.2208% | 1,613 |
| Net loans and leases to deposits | 86.3644% | 2,031 |
| Net loans and leases to core deposits | 116.0279% | 638 |
| Total domestic deposits to total assets | 80.5842% | 5,662 |
| Equity capital to assets | 4.2349% | 7,497 |
| Core capital (leverage) ratio | 3.7539% | 7,514 |
| Tier 1 risk-based capital ratio | 5.4284% | 7,507 |
| Total risk-based capital ratio | 7.4547% | 7,474 |
| Memoranda: | ||
| Average total assets | $5,196,087,600 | 164 |
| Average earning assets | $4,763,414,800 | 161 |
| Average equity | $371,691,000 | 221 |
| Average total loans | $4,158,972,400 | 141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 5,334 |
| Cost of funding earning assets | 1.3662% | 3,800 |
| Net interest margin | 3.5178% | 5,222 |
| Noninterest income to average assets | 0.9289% | 1,695 |
| Noninterest expense to average assets | 2.6566% | 5,083 |
| Loan and lease loss provision to assets | 3.6446% | 188 |
| Net operating income to assets | -1.1577% | 6,967 |
| Return on assets (ROA) | -0.8256% | 6,839 |
| Pretax return on assets | -1.6267% | 7,083 |
| Return on Equity (ROE) | -10.5572% | 6,953 |
| Retained earnings to average equity (ytd only) | -10.5572% | 6,907 |
| Net charge-offs to loans | 3.5095% | 383 |
| Credit loss provision to net charge-offs | 129.5073% | 3,124 |
| Earnings coverage of net charge-offs (x) | 0.5326% | 5,494 |
| Efficiency ratio | 63.6596% | 5,308 |
| Assets per employee ($millions) | 4.9175% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9409% | 387 |
| Loan loss allowance to noncurrent loans | 61.1764% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 5.6645% | 1,078 |
| Noncurrent loans to loans | 6.4418% | 929 |
| Net loans and leases to total assets | 75.1745% | 1,555 |
| Net loans and leases to deposits | 89.0145% | 1,854 |
| Net loans and leases to core deposits | 124.7023% | 481 |
| Total domestic deposits to total assets | 77.6505% | 6,330 |
| Equity capital to assets | 7.4903% | 7,135 |
| Core capital (leverage) ratio | 6.3704% | 7,368 |
| Tier 1 risk-based capital ratio | 8.4260% | 7,439 |
| Total risk-based capital ratio | 10.3588% | 7,360 |
| Memoranda: | ||
| Average total assets | $5,287,464,250 | 164 |
| Average earning assets | $4,849,664,000 | 158 |
| Average equity | $413,470,750 | 204 |
| Average total loans | $4,239,908,000 | 138 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 4,853 |
| Cost of funding earning assets | 1.4383% | 3,624 |
| Net interest margin | 3.5812% | 4,897 |
| Noninterest income to average assets | 0.9860% | 1,418 |
| Noninterest expense to average assets | 2.7578% | 4,670 |
| Loan and lease loss provision to assets | 1.8180% | 683 |
| Net operating income to assets | -0.2763% | 6,449 |
| Return on assets (ROA) | 0.3814% | 5,006 |
| Pretax return on assets | 0.3593% | 5,344 |
| Return on Equity (ROE) | 4.8117% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.8117% | 3,005 |
| Net charge-offs to loans | 1.8124% | 1,029 |
| Credit loss provision to net charge-offs | 124.1239% | 3,262 |
| Earnings coverage of net charge-offs (x) | 1.0375% | 4,749 |
| Efficiency ratio | 64.2121% | 5,296 |
| Assets per employee ($millions) | 4.8516% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2704% | 663 |
| Loan loss allowance to noncurrent loans | 60.4030% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 4.9004% | 1,322 |
| Noncurrent loans to loans | 5.4143% | 1,224 |
| Net loans and leases to total assets | 78.8710% | 979 |
| Net loans and leases to deposits | 95.5516% | 1,089 |
| Net loans and leases to core deposits | 133.5113% | 371 |
| Total domestic deposits to total assets | 75.4087% | 6,794 |
| Equity capital to assets | 8.4582% | 6,221 |
| Core capital (leverage) ratio | 7.4449% | 6,877 |
| Tier 1 risk-based capital ratio | 9.2244% | 7,365 |
| Total risk-based capital ratio | 11.1018% | 7,085 |
| Memoranda: | ||
| Average total assets | $5,318,981,670 | 164 |
| Average earning assets | $4,888,708,330 | 159 |
| Average equity | $421,639,670 | 202 |
| Average total loans | $4,298,577,330 | 136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 5,012 |
| Cost of funding earning assets | 1.5146% | 3,460 |
| Net interest margin | 3.4880% | 5,210 |
| Noninterest income to average assets | 1.0678% | 1,113 |
| Noninterest expense to average assets | 2.8185% | 4,413 |
| Loan and lease loss provision to assets | 1.8166% | 617 |
| Net operating income to assets | -0.3245% | 6,691 |
| Return on assets (ROA) | 0.3872% | 5,032 |
| Pretax return on assets | 0.3621% | 5,407 |
| Return on Equity (ROE) | 5.0449% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.0449% | 3,132 |
| Net charge-offs to loans | 1.6131% | 1,080 |
| Credit loss provision to net charge-offs | 139.9397% | 2,530 |
| Earnings coverage of net charge-offs (x) | 1.1300% | 4,091 |
| Efficiency ratio | 65.5144% | 5,217 |
| Assets per employee ($millions) | 4.9628% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1302% | 738 |
| Loan loss allowance to noncurrent loans | 59.3659% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 4.7299% | 1,399 |
| Noncurrent loans to loans | 5.2728% | 1,345 |
| Net loans and leases to total assets | 78.6753% | 1,027 |
| Net loans and leases to deposits | 96.0958% | 1,091 |
| Net loans and leases to core deposits | 137.3245% | 368 |
| Total domestic deposits to total assets | 73.6453% | 7,093 |
| Equity capital to assets | 7.8801% | 6,779 |
| Core capital (leverage) ratio | 6.9156% | 7,299 |
| Tier 1 risk-based capital ratio | 8.6384% | 7,542 |
| Total risk-based capital ratio | 10.7252% | 7,312 |
| Memoranda: | ||
| Average total assets | $5,416,807,500 | 163 |
| Average earning assets | $4,996,838,500 | 157 |
| Average equity | $415,787,500 | 204 |
| Average total loans | $4,359,145,500 | 137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 6,208 |
| Cost of funding earning assets | 1.9422% | 3,247 |
| Net interest margin | 3.1240% | 6,297 |
| Noninterest income to average assets | 0.9715% | 1,661 |
| Noninterest expense to average assets | 2.6216% | 5,708 |
| Loan and lease loss provision to assets | 2.0646% | 1,032 |
| Net operating income to assets | -0.3160% | 5,995 |
| Return on assets (ROA) | -0.2686% | 5,923 |
| Pretax return on assets | -0.7102% | 6,202 |
| Return on Equity (ROE) | -3.7243% | 6,082 |
| Retained earnings to average equity (ytd only) | -3.7243% | 5,826 |
| Net charge-offs to loans | 0.9576% | 2,486 |
| Credit loss provision to net charge-offs | 269.6909% | 1,287 |
| Earnings coverage of net charge-offs (x) | 1.6724% | 4,485 |
| Efficiency ratio | 66.9157% | 5,203 |
| Assets per employee ($millions) | 5.2192% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8720% | 862 |
| Loan loss allowance to noncurrent loans | 50.8912% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 4.8644% | 1,286 |
| Noncurrent loans to loans | 5.6435% | 1,135 |
| Net loans and leases to total assets | 77.4768% | 1,486 |
| Net loans and leases to deposits | 95.8902% | 1,345 |
| Net loans and leases to core deposits | 142.8847% | 715 |
| Total domestic deposits to total assets | 73.6458% | 7,063 |
| Equity capital to assets | 7.4817% | 7,049 |
| Core capital (leverage) ratio | 6.6117% | 7,443 |
| Tier 1 risk-based capital ratio | 8.4811% | 7,591 |
| Total risk-based capital ratio | 10.5427% | 7,332 |
| Memoranda: | ||
| Average total assets | $5,590,610,000 | 157 |
| Average earning assets | $5,243,928,400 | 154 |
| Average equity | $403,137,400 | 211 |
| Average total loans | $4,469,610,000 | 134 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 6,395 |
| Cost of funding earning assets | 2.0149% | 3,278 |
| Net interest margin | 3.0516% | 6,461 |
| Noninterest income to average assets | 0.9885% | 1,647 |
| Noninterest expense to average assets | 2.6769% | 5,422 |
| Loan and lease loss provision to assets | 1.3500% | 1,432 |
| Net operating income to assets | 0.0423% | 5,621 |
| Return on assets (ROA) | 0.0769% | 5,578 |
| Pretax return on assets | -0.1123% | 5,859 |
| Return on Equity (ROE) | 1.0765% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.0765% | 4,715 |
| Net charge-offs to loans | 0.8984% | 2,170 |
| Credit loss provision to net charge-offs | 187.8541% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.6472% | 4,557 |
| Efficiency ratio | 69.0647% | 4,771 |
| Assets per employee ($millions) | 5.1976% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,164 |
| Loan loss allowance to noncurrent loans | 47.6852% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 3.2846% | 2,058 |
| Noncurrent loans to loans | 3.8703% | 1,915 |
| Net loans and leases to total assets | 76.7797% | 1,827 |
| Net loans and leases to deposits | 95.0855% | 1,698 |
| Net loans and leases to core deposits | 144.1844% | 757 |
| Total domestic deposits to total assets | 74.3560% | 6,886 |
| Equity capital to assets | 7.7392% | 7,113 |
| Core capital (leverage) ratio | 7.0524% | 7,402 |
| Tier 1 risk-based capital ratio | 8.9782% | 7,628 |
| Total risk-based capital ratio | 11.0110% | 7,141 |
| Memoranda: | ||
| Average total assets | $5,599,953,500 | 165 |
| Average earning assets | $5,270,483,500 | 163 |
| Average equity | $400,052,500 | 216 |
| Average total loans | $4,479,589,500 | 142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 6,461 |
| Cost of funding earning assets | 2.0676% | 3,437 |
| Net interest margin | 3.0262% | 6,471 |
| Noninterest income to average assets | 1.0327% | 1,491 |
| Noninterest expense to average assets | 2.6093% | 5,709 |
| Loan and lease loss provision to assets | 0.9117% | 1,851 |
| Net operating income to assets | 0.3844% | 4,568 |
| Return on assets (ROA) | 0.3844% | 4,669 |
| Pretax return on assets | 0.3676% | 5,022 |
| Return on Equity (ROE) | 5.5352% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.5352% | 2,231 |
| Net charge-offs to loans | 0.6058% | 2,528 |
| Credit loss provision to net charge-offs | 186.7721% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.6207% | 3,765 |
| Efficiency ratio | 66.8288% | 5,401 |
| Assets per employee ($millions) | 5.1958% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,383 |
| Loan loss allowance to noncurrent loans | 43.8160% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 2.8093% | 2,286 |
| Noncurrent loans to loans | 3.3458% | 2,104 |
| Net loans and leases to total assets | 78.2096% | 1,698 |
| Net loans and leases to deposits | 96.9354% | 1,664 |
| Net loans and leases to core deposits | 139.5056% | 1,037 |
| Total domestic deposits to total assets | 76.0802% | 6,525 |
| Equity capital to assets | 7.7095% | 7,064 |
| Core capital (leverage) ratio | 7.2621% | 7,286 |
| Tier 1 risk-based capital ratio | 9.1142% | 7,633 |
| Total risk-based capital ratio | 10.9140% | 7,206 |
| Memoranda: | ||
| Average total assets | $5,593,744,000 | 172 |
| Average earning assets | $5,279,070,000 | 167 |
| Average equity | $388,458,000 | 226 |
| Average total loans | $4,507,770,670 | 145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 6,581 |
| Cost of funding earning assets | 2.0795% | 3,741 |
| Net interest margin | 3.0431% | 6,360 |
| Noninterest income to average assets | 0.9034% | 1,835 |
| Noninterest expense to average assets | 2.5965% | 5,465 |
| Loan and lease loss provision to assets | 0.6865% | 1,844 |
| Net operating income to assets | 0.4537% | 4,639 |
| Return on assets (ROA) | 0.4537% | 4,811 |
| Pretax return on assets | 0.4941% | 5,096 |
| Return on Equity (ROE) | 6.9260% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.9260% | 2,240 |
| Net charge-offs to loans | 0.7029% | 1,781 |
| Credit loss provision to net charge-offs | 120.2532% | 3,270 |
| Earnings coverage of net charge-offs (x) | 2.0681% | 3,685 |
| Efficiency ratio | 68.4605% | 4,875 |
| Assets per employee ($millions) | 5.1538% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 4,558 |
| Loan loss allowance to noncurrent loans | 58.3782% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 3,369 |
| Noncurrent loans to loans | 2.1150% | 3,094 |
| Net loans and leases to total assets | 79.0753% | 1,565 |
| Net loans and leases to deposits | 97.9418% | 1,674 |
| Net loans and leases to core deposits | 135.5021% | 1,334 |
| Total domestic deposits to total assets | 76.2122% | 6,471 |
| Equity capital to assets | 6.4347% | 7,893 |
| Core capital (leverage) ratio | 6.2035% | 7,968 |
| Tier 1 risk-based capital ratio | 7.5256% | 8,060 |
| Total risk-based capital ratio | 10.8653% | 7,262 |
| Memoranda: | ||
| Average total assets | $5,535,538,000 | 175 |
| Average earning assets | $5,227,394,000 | 167 |
| Average equity | $362,576,000 | 236 |
| Average total loans | $4,495,488,500 | 146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 5,901 |
| Cost of funding earning assets | 2.7742% | 2,809 |
| Net interest margin | 3.1553% | 6,506 |
| Noninterest income to average assets | 0.8669% | 2,124 |
| Noninterest expense to average assets | 2.6648% | 5,396 |
| Loan and lease loss provision to assets | 0.4325% | 3,130 |
| Net operating income to assets | 0.7326% | 3,749 |
| Return on assets (ROA) | 0.3891% | 5,011 |
| Pretax return on assets | 0.3671% | 5,336 |
| Return on Equity (ROE) | 5.6729% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.6729% | 1,681 |
| Net charge-offs to loans | 0.2897% | 3,469 |
| Credit loss provision to net charge-offs | 184.9206% | 2,681 |
| Earnings coverage of net charge-offs (x) | 4.8879% | 3,826 |
| Efficiency ratio | 69.6741% | 4,411 |
| Assets per employee ($millions) | 4.9417% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 4,313 |
| Loan loss allowance to noncurrent loans | 60.3064% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.8451% | 2,680 |
| Noncurrent loans to loans | 2.0392% | 2,712 |
| Net loans and leases to total assets | 81.4089% | 1,337 |
| Net loans and leases to deposits | 102.7900% | 1,495 |
| Net loans and leases to core deposits | 143.3216% | 1,123 |
| Total domestic deposits to total assets | 72.4576% | 6,920 |
| Equity capital to assets | 6.6716% | 7,882 |
| Core capital (leverage) ratio | 6.2506% | 8,005 |
| Tier 1 risk-based capital ratio | 7.3914% | 8,141 |
| Total risk-based capital ratio | 10.7064% | 7,272 |
| Memoranda: | ||
| Average total assets | $5,087,141,400 | 182 |
| Average earning assets | $4,741,732,800 | 174 |
| Average equity | $348,889,000 | 247 |
| Average total loans | $4,106,084,400 | 159 |