| 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 | 4.9749% | 3,154 |
| Cost of funding earning assets | 1.4088% | 3,392 |
| Net interest margin | 3.5661% | 2,144 |
| Noninterest income to average assets | 0.8500% | 749 |
| Noninterest expense to average assets | 2.5475% | 2,163 |
| Loan and lease loss provision to assets | 0.2200% | 520 |
| Net operating income to assets | 1.0065% | 2,254 |
| Return on assets (ROA) | 1.0082% | 2,253 |
| Pretax return on assets | 1.3094% | 1,944 |
| Return on Equity (ROE) | 9.2000% | 2,550 |
| Retained earnings to average equity (ytd only) | 2.5513% | 3,196 |
| Net charge-offs to loans | 0.2625% | 440 |
| Credit loss provision to net charge-offs | 115.2579% | 1,179 |
| Earnings coverage of net charge-offs (x) | 8.0087% | 1,792 |
| Efficiency ratio | 61.2504% | 2,803 |
| Assets per employee ($millions) | 7.9586% | 1,594 |
| Cash dividends to net income (ytd only)* | 72.2836% | 768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1707% | 2,346 |
| Loan loss allowance to noncurrent loans | 245.3293% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 1,922 |
| Noncurrent loans to loans | 0.4772% | 1,917 |
| Net loans and leases to total assets | 71.7800% | 1,639 |
| Net loans and leases to deposits | 82.7309% | 1,813 |
| Net loans and leases to core deposits | 86.8175% | 2,260 |
| Total domestic deposits to total assets | 86.7600% | 2,019 |
| Equity capital to assets | 11.0298% | 1,639 |
| Core capital (leverage) ratio | 9.4657% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9802% | 2,214 |
| Memoranda: |
| Average total assets | $13,721,899,500 | 133 |
| Average earning assets | $12,413,171,000 | 130 |
| Average equity | $1,502,931,000 | 133 |
| Average total loans | $9,986,774,500 | 126 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0283% | 3,054 |
| Cost of funding earning assets | 1.6179% | 3,143 |
| Net interest margin | 3.4104% | 2,261 |
| Noninterest income to average assets | 0.8100% | 904 |
| Noninterest expense to average assets | 2.4511% | 2,442 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.0109% | 2,016 |
| Return on assets (ROA) | 1.0238% | 1,973 |
| Pretax return on assets | 1.3090% | 1,729 |
| Return on Equity (ROE) | 9.4400% | 2,317 |
| Retained earnings to average equity (ytd only) | 2.5998% | 3,188 |
| Net charge-offs to loans | 0.1834% | 755 |
| Credit loss provision to net charge-offs | 108.8854% | 1,779 |
| Earnings coverage of net charge-offs (x) | 10.7234% | 2,252 |
| Efficiency ratio | 61.7958% | 2,973 |
| Assets per employee ($millions) | 7.9787% | 1,550 |
| Cash dividends to net income (ytd only)* | 72.4732% | 746 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1624% | 2,360 |
| Loan loss allowance to noncurrent loans | 224.7322% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 1,781 |
| Noncurrent loans to loans | 0.5172% | 1,780 |
| Net loans and leases to total assets | 72.0800% | 1,661 |
| Net loans and leases to deposits | 83.8101% | 1,797 |
| Net loans and leases to core deposits | 87.9420% | 2,261 |
| Total domestic deposits to total assets | 86.0100% | 2,213 |
| Equity capital to assets | 10.8753% | 1,644 |
| Core capital (leverage) ratio | 9.3908% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8587% | 2,269 |
| Memoranda: |
| Average total assets | $13,477,010,400 | 133 |
| Average earning assets | $12,163,161,400 | 131 |
| Average equity | $1,460,960,400 | 132 |
| Average total loans | $9,818,672,400 | 128 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9961% | 3,044 |
| Cost of funding earning assets | 1.6375% | 3,086 |
| Net interest margin | 3.3586% | 2,320 |
| Noninterest income to average assets | 0.8100% | 864 |
| Noninterest expense to average assets | 2.4043% | 2,513 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.9868% | 2,096 |
| Return on assets (ROA) | 1.0055% | 2,036 |
| Pretax return on assets | 1.2891% | 1,791 |
| Return on Equity (ROE) | 9.2800% | 2,398 |
| Retained earnings to average equity (ytd only) | 2.4064% | 3,347 |
| Net charge-offs to loans | 0.1677% | 688 |
| Credit loss provision to net charge-offs | 141.4702% | 1,342 |
| Earnings coverage of net charge-offs (x) | 11.7291% | 2,058 |
| Efficiency ratio | 61.3188% | 3,025 |
| Assets per employee ($millions) | 8.0796% | 1,469 |
| Cash dividends to net income (ytd only)* | 74.0770% | 601 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2058% | 2,182 |
| Loan loss allowance to noncurrent loans | 320.2122% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 2,139 |
| Noncurrent loans to loans | 0.3766% | 2,145 |
| Net loans and leases to total assets | 71.2900% | 1,701 |
| Net loans and leases to deposits | 82.9862% | 1,882 |
| Net loans and leases to core deposits | 86.7405% | 2,368 |
| Total domestic deposits to total assets | 85.9000% | 1,965 |
| Equity capital to assets | 10.8885% | 1,787 |
| Core capital (leverage) ratio | 9.4996% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9190% | 2,272 |
| Memoranda: |
| Average total assets | $13,425,415,750 | 135 |
| Average earning assets | $12,112,588,000 | 135 |
| Average equity | $1,454,172,000 | 132 |
| Average total loans | $9,778,427,000 | 130 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9532% | 3,028 |
| Cost of funding earning assets | 1.6295% | 3,019 |
| Net interest margin | 3.3237% | 2,359 |
| Noninterest income to average assets | 0.8000% | 865 |
| Noninterest expense to average assets | 2.3685% | 2,614 |
| Loan and lease loss provision to assets | 0.2200% | 493 |
| Net operating income to assets | 0.9463% | 2,164 |
| Return on assets (ROA) | 0.9717% | 2,079 |
| Pretax return on assets | 1.2457% | 1,827 |
| Return on Equity (ROE) | 8.9900% | 2,453 |
| Retained earnings to average equity (ytd only) | 2.0446% | 3,336 |
| Net charge-offs to loans | 0.1721% | 611 |
| Credit loss provision to net charge-offs | 172.8097% | 1,111 |
| Earnings coverage of net charge-offs (x) | 11.3772% | 1,932 |
| Efficiency ratio | 60.9371% | 3,118 |
| Assets per employee ($millions) | 7.7929% | 1,567 |
| Cash dividends to net income (ytd only)* | 77.2499% | 689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2224% | 2,127 |
| Loan loss allowance to noncurrent loans | 316.3726% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 2,022 |
| Noncurrent loans to loans | 0.3864% | 2,032 |
| Net loans and leases to total assets | 72.6400% | 1,575 |
| Net loans and leases to deposits | 84.8747% | 1,758 |
| Net loans and leases to core deposits | 88.4990% | 2,243 |
| Total domestic deposits to total assets | 85.5900% | 2,117 |
| Equity capital to assets | 10.7971% | 1,662 |
| Core capital (leverage) ratio | 9.4423% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8654% | 2,302 |
| Memoranda: |
| Average total assets | $13,322,112,000 | 135 |
| Average earning assets | $12,019,199,333 | 133 |
| Average equity | $1,440,372,667 | 131 |
| Average total loans | $9,734,318,000 | 132 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9052% | 2,970 |
| Cost of funding earning assets | 1.6042% | 2,977 |
| Net interest margin | 3.3010% | 2,337 |
| Noninterest income to average assets | 0.7900% | 844 |
| Noninterest expense to average assets | 2.4162% | 2,467 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 0.9263% | 2,161 |
| Return on assets (ROA) | 0.9791% | 1,999 |
| Pretax return on assets | 1.2553% | 1,751 |
| Return on Equity (ROE) | 9.0500% | 2,379 |
| Retained earnings to average equity (ytd only) | 2.0905% | 3,223 |
| Net charge-offs to loans | 0.1935% | 460 |
| Credit loss provision to net charge-offs | 119.2349% | 1,050 |
| Earnings coverage of net charge-offs (x) | 9.6251% | 1,662 |
| Efficiency ratio | 62.6209% | 2,960 |
| Assets per employee ($millions) | 7.9197% | 1,500 |
| Cash dividends to net income (ytd only)* | 76.8994% | 781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1897% | 2,338 |
| Loan loss allowance to noncurrent loans | 305.1152% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 1,973 |
| Noncurrent loans to loans | 0.3899% | 1,956 |
| Net loans and leases to total assets | 71.7600% | 1,586 |
| Net loans and leases to deposits | 84.1171% | 1,705 |
| Net loans and leases to core deposits | 87.3379% | 2,218 |
| Total domestic deposits to total assets | 85.3100% | 2,321 |
| Equity capital to assets | 10.7815% | 1,595 |
| Core capital (leverage) ratio | 9.4529% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9319% | 2,258 |
| Memoranda: |
| Average total assets | $13,281,270,000 | 137 |
| Average earning assets | $11,980,839,500 | 134 |
| Average equity | $1,436,951,500 | 132 |
| Average total loans | $9,672,712,000 | 132 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6592% | 2,770 |
| Cost of funding earning assets | 1.1692% | 2,890 |
| Net interest margin | 3.4900% | 2,208 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.4171% | 2,538 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.0049% | 2,207 |
| Return on assets (ROA) | 0.9462% | 2,374 |
| Pretax return on assets | 1.2262% | 2,072 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | 1.7521% | 3,640 |
| Net charge-offs to loans | 0.1904% | 562 |
| Credit loss provision to net charge-offs | 150.4584% | 1,472 |
| Earnings coverage of net charge-offs (x) | 11.1327% | 2,209 |
| Efficiency ratio | 60.9313% | 2,981 |
| Assets per employee ($millions) | 7.9054% | 1,485 |
| Cash dividends to net income (ytd only)* | 80.7301% | 567 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1850% | 2,380 |
| Loan loss allowance to noncurrent loans | 302.0542% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 1,800 |
| Noncurrent loans to loans | 0.3923% | 1,808 |
| Net loans and leases to total assets | 72.1700% | 1,558 |
| Net loans and leases to deposits | 85.5765% | 1,642 |
| Net loans and leases to core deposits | 89.4994% | 2,086 |
| Total domestic deposits to total assets | 84.3400% | 2,524 |
| Equity capital to assets | 10.8576% | 1,551 |
| Core capital (leverage) ratio | 9.1633% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9067% | 2,269 |
| Memoranda: |
| Average total assets | $12,436,356,600 | 140 |
| Average earning assets | $11,219,528,000 | 141 |
| Average equity | $1,294,245,800 | 136 |
| Average total loans | $8,820,254,800 | 136 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4882% | 2,942 |
| Cost of funding earning assets | 1.0040% | 3,026 |
| Net interest margin | 3.4842% | 2,247 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.3849% | 2,562 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.0200% | 2,303 |
| Return on assets (ROA) | 0.9379% | 2,542 |
| Pretax return on assets | 1.2101% | 2,276 |
| Return on Equity (ROE) | 9.1200% | 2,895 |
| Retained earnings to average equity (ytd only) | 1.1760% | 3,909 |
| Net charge-offs to loans | 0.1776% | 488 |
| Credit loss provision to net charge-offs | 175.6429% | 1,206 |
| Earnings coverage of net charge-offs (x) | 12.2738% | 2,073 |
| Efficiency ratio | 60.3892% | 2,922 |
| Assets per employee ($millions) | 8.1396% | 1,281 |
| Cash dividends to net income (ytd only)* | 87.1030% | 361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1849% | 2,440 |
| Loan loss allowance to noncurrent loans | 472.3088% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,407 |
| Noncurrent loans to loans | 0.2509% | 2,337 |
| Net loans and leases to total assets | 69.5600% | 1,881 |
| Net loans and leases to deposits | 82.5760% | 1,864 |
| Net loans and leases to core deposits | 87.0055% | 2,121 |
| Total domestic deposits to total assets | 84.2300% | 2,709 |
| Equity capital to assets | 10.0437% | 1,809 |
| Core capital (leverage) ratio | 9.6963% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6701% | 2,399 |
| Memoranda: |
| Average total assets | $12,240,979,750 | 143 |
| Average earning assets | $11,046,030,000 | 143 |
| Average equity | $1,259,021,500 | 141 |
| Average total loans | $8,611,797,500 | 139 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4226% | 2,832 |
| Cost of funding earning assets | 0.8386% | 3,104 |
| Net interest margin | 3.5840% | 2,073 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.3615% | 2,613 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1888% | 1,857 |
| Return on assets (ROA) | 1.0624% | 2,224 |
| Pretax return on assets | 1.3717% | 1,885 |
| Return on Equity (ROE) | 10.2400% | 2,634 |
| Retained earnings to average equity (ytd only) | 2.0300% | 3,717 |
| Net charge-offs to loans | 0.1760% | 447 |
| Credit loss provision to net charge-offs | 103.4127% | 1,420 |
| Earnings coverage of net charge-offs (x) | 13.4079% | 1,906 |
| Efficiency ratio | 58.5372% | 3,126 |
| Assets per employee ($millions) | 7.6509% | 1,508 |
| Cash dividends to net income (ytd only)* | 80.1667% | 549 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2010% | 2,433 |
| Loan loss allowance to noncurrent loans | 510.0071% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,381 |
| Noncurrent loans to loans | 0.2355% | 2,318 |
| Net loans and leases to total assets | 69.9600% | 1,744 |
| Net loans and leases to deposits | 85.2382% | 1,571 |
| Net loans and leases to core deposits | 88.8523% | 1,873 |
| Total domestic deposits to total assets | 82.0800% | 3,219 |
| Equity capital to assets | 10.3235% | 1,678 |
| Core capital (leverage) ratio | 9.8325% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6308% | 2,047 |
| Memoranda: |
| Average total assets | $11,741,401,667 | 144 |
| Average earning assets | $10,616,034,667 | 141 |
| Average equity | $1,218,701,333 | 142 |
| Average total loans | $8,258,567,333 | 137 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3116% | 2,776 |
| Cost of funding earning assets | 0.6083% | 3,354 |
| Net interest margin | 3.7032% | 1,895 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.3852% | 2,573 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.2404% | 1,823 |
| Return on assets (ROA) | 1.1082% | 2,166 |
| Pretax return on assets | 1.4337% | 1,802 |
| Return on Equity (ROE) | 10.6500% | 2,592 |
| Retained earnings to average equity (ytd only) | 2.4423% | 3,617 |
| Net charge-offs to loans | 0.1857% | 389 |
| Credit loss provision to net charge-offs | 102.5715% | 1,100 |
| Earnings coverage of net charge-offs (x) | 13.3233% | 1,591 |
| Efficiency ratio | 57.6895% | 3,224 |
| Assets per employee ($millions) | 7.5815% | 1,573 |
| Cash dividends to net income (ytd only)* | 77.0630% | 678 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2129% | 2,488 |
| Loan loss allowance to noncurrent loans | 538.6310% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,390 |
| Noncurrent loans to loans | 0.2252% | 2,365 |
| Net loans and leases to total assets | 69.4300% | 1,679 |
| Net loans and leases to deposits | 83.0356% | 1,573 |
| Net loans and leases to core deposits | 85.4355% | 1,900 |
| Total domestic deposits to total assets | 83.6200% | 3,169 |
| Equity capital to assets | 10.4642% | 1,578 |
| Core capital (leverage) ratio | 9.8412% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7381% | 2,072 |
| Memoranda: |
| Average total assets | $11,709,403,000 | 147 |
| Average earning assets | $10,592,619,000 | 145 |
| Average equity | $1,218,684,000 | 145 |
| Average total loans | $8,207,856,000 | 140 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5912% | 2,828 |
| Cost of funding earning assets | 0.1188% | 4,288 |
| Net interest margin | 3.4723% | 2,027 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.2647% | 2,850 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2523% | 1,597 |
| Return on assets (ROA) | 1.2488% | 1,551 |
| Pretax return on assets | 1.6151% | 1,134 |
| Return on Equity (ROE) | 11.8300% | 2,201 |
| Retained earnings to average equity (ytd only) | 3.7762% | 3,472 |
| Net charge-offs to loans | 0.1071% | 697 |
| Credit loss provision to net charge-offs | 205.4271% | 1,104 |
| Earnings coverage of net charge-offs (x) | 24.8755% | 1,782 |
| Efficiency ratio | 55.9715% | 3,589 |
| Assets per employee ($millions) | 7.5960% | 1,550 |
| Cash dividends to net income (ytd only)* | 68.0754% | 716 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2367% | 2,214 |
| Loan loss allowance to noncurrent loans | 478.7234% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 2,279 |
| Noncurrent loans to loans | 0.2583% | 2,238 |
| Net loans and leases to total assets | 69.0400% | 1,724 |
| Net loans and leases to deposits | 83.5376% | 1,499 |
| Net loans and leases to core deposits | 84.1296% | 1,873 |
| Total domestic deposits to total assets | 82.6400% | 3,504 |
| Equity capital to assets | 10.3508% | 1,534 |
| Core capital (leverage) ratio | 9.8625% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7394% | 2,077 |
| Memoranda: |
| Average total assets | $11,762,823,600 | 146 |
| Average earning assets | $10,694,553,200 | 146 |
| Average equity | $1,241,874,600 | 144 |
| Average total loans | $7,796,553,400 | 144 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4141% | 2,878 |
| Cost of funding earning assets | 0.0756% | 4,451 |
| Net interest margin | 3.3385% | 2,174 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.2360% | 2,833 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2470% | 1,532 |
| Return on assets (ROA) | 1.2424% | 1,523 |
| Pretax return on assets | 1.6054% | 1,107 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 3.7149% | 3,544 |
| Net charge-offs to loans | 0.0808% | 733 |
| Credit loss provision to net charge-offs | 202.7837% | 972 |
| Earnings coverage of net charge-offs (x) | 32.5323% | 1,486 |
| Efficiency ratio | 56.3119% | 3,595 |
| Assets per employee ($millions) | 7.6079% | 1,546 |
| Cash dividends to net income (ytd only)* | 68.2780% | 665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2246% | 2,401 |
| Loan loss allowance to noncurrent loans | 443.4265% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1890% | 2,342 |
| Noncurrent loans to loans | 0.2762% | 2,271 |
| Net loans and leases to total assets | 67.6100% | 1,719 |
| Net loans and leases to deposits | 77.6987% | 1,741 |
| Net loans and leases to core deposits | 78.1546% | 2,029 |
| Total domestic deposits to total assets | 87.0100% | 2,760 |
| Equity capital to assets | 10.3074% | 1,462 |
| Core capital (leverage) ratio | 9.8432% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9262% | 2,087 |
| Memoranda: |
| Average total assets | $11,788,552,500 | 145 |
| Average earning assets | $10,735,536,750 | 144 |
| Average equity | $1,250,619,000 | 147 |
| Average total loans | $7,708,014,500 | 145 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2387% | 2,926 |
| Cost of funding earning assets | 0.0691% | 4,464 |
| Net interest margin | 3.1696% | 2,290 |
| Noninterest income to average assets | 0.9592% | 736 |
| Noninterest expense to average assets | 2.1917% | 2,886 |
| Loan and lease loss provision to assets | 0.0840% | 1,181 |
| Net operating income to assets | 1.2251% | 1,350 |
| Return on assets (ROA) | 1.2203% | 1,350 |
| Pretax return on assets | 1.5748% | 1,000 |
| Return on Equity (ROE) | 11.3980% | 1,865 |
| Retained earnings to average equity (ytd only) | 3.5283% | 3,262 |
| Net charge-offs to loans | 0.0886% | 627 |
| Credit loss provision to net charge-offs | 147.2534% | 1,100 |
| Earnings coverage of net charge-offs (x) | 29.1781% | 1,404 |
| Efficiency ratio | 56.5851% | 3,716 |
| Assets per employee ($millions) | 7.6204% | 1,536 |
| Cash dividends to net income (ytd only)* | 69.0446% | 847 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2034% | 2,665 |
| Loan loss allowance to noncurrent loans | 363.2271% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,203 |
| Noncurrent loans to loans | 0.3313% | 2,148 |
| Net loans and leases to total assets | 66.0792% | 1,680 |
| Net loans and leases to deposits | 75.7271% | 1,702 |
| Net loans and leases to core deposits | 76.2100% | 1,997 |
| Total domestic deposits to total assets | 87.2597% | 2,848 |
| Equity capital to assets | 10.6361% | 1,377 |
| Core capital (leverage) ratio | 9.5299% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0646% | 2,033 |
| Memoranda: |
| Average total assets | $11,868,460,000 | 143 |
| Average earning assets | $10,849,207,333 | 143 |
| Average equity | $1,270,696,000 | 145 |
| Average total loans | $7,642,395,667 | 143 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0651% | 3,066 |
| Cost of funding earning assets | 0.0708% | 4,440 |
| Net interest margin | 2.9943% | 2,522 |
| Noninterest income to average assets | 0.9545% | 747 |
| Noninterest expense to average assets | 2.1165% | 3,091 |
| Loan and lease loss provision to assets | 0.0199% | 1,997 |
| Net operating income to assets | 1.2109% | 1,225 |
| Return on assets (ROA) | 1.2058% | 1,223 |
| Pretax return on assets | 1.5562% | 911 |
| Return on Equity (ROE) | 11.2263% | 1,534 |
| Retained earnings to average equity (ytd only) | 3.4600% | 3,134 |
| Net charge-offs to loans | 0.1371% | 411 |
| Credit loss provision to net charge-offs | 22.9584% | 1,283 |
| Earnings coverage of net charge-offs (x) | 18.2708% | 1,308 |
| Efficiency ratio | 56.9463% | 3,790 |
| Assets per employee ($millions) | 8.0111% | 1,354 |
| Cash dividends to net income (ytd only)* | 69.1793% | 871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1765% | 2,981 |
| Loan loss allowance to noncurrent loans | 324.2542% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 2,265 |
| Noncurrent loans to loans | 0.3628% | 2,184 |
| Net loans and leases to total assets | 62.7048% | 1,778 |
| Net loans and leases to deposits | 71.5166% | 1,822 |
| Net loans and leases to core deposits | 72.7033% | 2,050 |
| Total domestic deposits to total assets | 87.6787% | 2,678 |
| Equity capital to assets | 10.4433% | 1,612 |
| Core capital (leverage) ratio | 9.3588% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2661% | 2,088 |
| Memoranda: |
| Average total assets | $11,988,301,000 | 143 |
| Average earning assets | $10,988,258,500 | 144 |
| Average equity | $1,287,620,000 | 147 |
| Average total loans | $7,574,689,000 | 144 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2287% | 3,407 |
| Cost of funding earning assets | 0.1070% | 4,334 |
| Net interest margin | 3.1218% | 2,838 |
| Noninterest income to average assets | 0.9449% | 1,103 |
| Noninterest expense to average assets | 2.1859% | 3,130 |
| Loan and lease loss provision to assets | -0.0717% | 4,450 |
| Net operating income to assets | 1.3016% | 1,595 |
| Return on assets (ROA) | 1.3018% | 1,638 |
| Pretax return on assets | 1.6841% | 1,190 |
| Return on Equity (ROE) | 11.2762% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.7852% | 3,731 |
| Net charge-offs to loans | 0.1291% | 710 |
| Credit loss provision to net charge-offs | -84.7480% | 3,333 |
| Earnings coverage of net charge-offs (x) | 19.0586% | 1,890 |
| Efficiency ratio | 57.2391% | 3,552 |
| Assets per employee ($millions) | 7.9361% | 1,361 |
| Cash dividends to net income (ytd only)* | 75.3003% | 591 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2268% | 2,752 |
| Loan loss allowance to noncurrent loans | 280.9761% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 2,167 |
| Noncurrent loans to loans | 0.4366% | 2,044 |
| Net loans and leases to total assets | 62.1418% | 1,921 |
| Net loans and leases to deposits | 71.6541% | 1,947 |
| Net loans and leases to core deposits | 72.8690% | 2,177 |
| Total domestic deposits to total assets | 86.7248% | 2,609 |
| Equity capital to assets | 11.0414% | 1,765 |
| Core capital (leverage) ratio | 9.3224% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4492% | 2,067 |
| Memoranda: |
| Average total assets | $11,517,323,200 | 147 |
| Average earning assets | $10,526,619,200 | 148 |
| Average equity | $1,329,645,400 | 145 |
| Average total loans | $7,544,108,800 | 148 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2054% | 3,596 |
| Cost of funding earning assets | 0.1153% | 4,386 |
| Net interest margin | 3.0901% | 3,080 |
| Noninterest income to average assets | 0.9487% | 1,152 |
| Noninterest expense to average assets | 2.1727% | 3,158 |
| Loan and lease loss provision to assets | -0.1326% | 4,665 |
| Net operating income to assets | 1.3361% | 1,723 |
| Return on assets (ROA) | 1.3364% | 1,777 |
| Pretax return on assets | 1.7300% | 1,333 |
| Return on Equity (ROE) | 11.4455% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.5445% | 2,600 |
| Net charge-offs to loans | 0.0996% | 735 |
| Credit loss provision to net charge-offs | -201.0981% | 3,394 |
| Earnings coverage of net charge-offs (x) | 24.2202% | 1,644 |
| Efficiency ratio | 57.3091% | 3,383 |
| Assets per employee ($millions) | 7.9209% | 1,309 |
| Cash dividends to net income (ytd only)* | 42.8206% | 1,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2289% | 2,845 |
| Loan loss allowance to noncurrent loans | 240.4530% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 2,119 |
| Noncurrent loans to loans | 0.5111% | 2,028 |
| Net loans and leases to total assets | 62.7836% | 1,911 |
| Net loans and leases to deposits | 72.9173% | 1,969 |
| Net loans and leases to core deposits | 74.4332% | 2,193 |
| Total domestic deposits to total assets | 86.1026% | 2,706 |
| Equity capital to assets | 11.3945% | 1,741 |
| Core capital (leverage) ratio | 9.7918% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0162% | 1,963 |
| Memoranda: |
| Average total assets | $11,416,661,500 | 147 |
| Average earning assets | $10,422,629,500 | 146 |
| Average equity | $1,333,023,500 | 144 |
| Average total loans | $7,555,313,750 | 150 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2772% | 3,490 |
| Cost of funding earning assets | 0.1236% | 4,412 |
| Net interest margin | 3.1537% | 2,886 |
| Noninterest income to average assets | 0.9435% | 1,169 |
| Noninterest expense to average assets | 2.1727% | 3,179 |
| Loan and lease loss provision to assets | -0.1424% | 4,701 |
| Net operating income to assets | 1.3848% | 1,608 |
| Return on assets (ROA) | 1.3849% | 1,680 |
| Pretax return on assets | 1.7924% | 1,257 |
| Return on Equity (ROE) | 11.7609% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.2254% | 1,642 |
| Net charge-offs to loans | 0.0924% | 782 |
| Credit loss provision to net charge-offs | -229.7018% | 3,243 |
| Earnings coverage of net charge-offs (x) | 26.6167% | 1,383 |
| Efficiency ratio | 56.4982% | 3,477 |
| Assets per employee ($millions) | 7.5709% | 1,435 |
| Cash dividends to net income (ytd only)* | 21.5586% | 2,442 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3100% | 2,385 |
| Loan loss allowance to noncurrent loans | 228.4058% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 2,080 |
| Noncurrent loans to loans | 0.5735% | 1,965 |
| Net loans and leases to total assets | 64.6525% | 1,872 |
| Net loans and leases to deposits | 75.5689% | 1,862 |
| Net loans and leases to core deposits | 77.2493% | 2,115 |
| Total domestic deposits to total assets | 85.5544% | 2,888 |
| Equity capital to assets | 11.8290% | 1,446 |
| Core capital (leverage) ratio | 9.8818% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2855% | 1,875 |
| Memoranda: |
| Average total assets | $11,253,842,333 | 146 |
| Average earning assets | $10,274,110,333 | 144 |
| Average equity | $1,325,188,000 | 143 |
| Average total loans | $7,551,263,000 | 149 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3132% | 3,413 |
| Cost of funding earning assets | 0.1323% | 4,442 |
| Net interest margin | 3.1809% | 2,757 |
| Noninterest income to average assets | 0.9032% | 1,317 |
| Noninterest expense to average assets | 2.1315% | 3,323 |
| Loan and lease loss provision to assets | -0.1004% | 4,719 |
| Net operating income to assets | 1.3849% | 1,610 |
| Return on assets (ROA) | 1.3847% | 1,692 |
| Pretax return on assets | 1.7777% | 1,335 |
| Return on Equity (ROE) | 11.7872% | 2,095 |
| Retained earnings to average equity (ytd only) | 6.6533% | 2,679 |
| Net charge-offs to loans | 0.1165% | 605 |
| Credit loss provision to net charge-offs | -126.8603% | 2,866 |
| Earnings coverage of net charge-offs (x) | 21.2015% | 1,228 |
| Efficiency ratio | 55.5763% | 3,591 |
| Assets per employee ($millions) | 7.6284% | 1,381 |
| Cash dividends to net income (ytd only)* | 43.5549% | 1,297 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3753% | 2,080 |
| Loan loss allowance to noncurrent loans | 230.4957% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 2,175 |
| Noncurrent loans to loans | 0.5967% | 2,077 |
| Net loans and leases to total assets | 65.8043% | 1,819 |
| Net loans and leases to deposits | 76.3427% | 1,873 |
| Net loans and leases to core deposits | 78.2599% | 2,161 |
| Total domestic deposits to total assets | 86.1959% | 2,670 |
| Equity capital to assets | 11.4585% | 1,566 |
| Core capital (leverage) ratio | 9.9934% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2376% | 1,838 |
| Memoranda: |
| Average total assets | $11,141,986,500 | 148 |
| Average earning assets | $10,178,627,000 | 146 |
| Average equity | $1,308,943,500 | 144 |
| Average total loans | $7,567,379,000 | 148 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7022% | 3,570 |
| Cost of funding earning assets | 0.2873% | 4,212 |
| Net interest margin | 3.4148% | 2,731 |
| Noninterest income to average assets | 0.9950% | 1,050 |
| Noninterest expense to average assets | 2.3554% | 3,258 |
| Loan and lease loss provision to assets | 0.4927% | 510 |
| Net operating income to assets | 0.9757% | 2,376 |
| Return on assets (ROA) | 0.9764% | 2,521 |
| Pretax return on assets | 1.2432% | 2,179 |
| Return on Equity (ROE) | 8.2295% | 2,723 |
| Retained earnings to average equity (ytd only) | 4.9811% | 2,277 |
| Net charge-offs to loans | 0.2309% | 756 |
| Credit loss provision to net charge-offs | 298.4533% | 1,741 |
| Earnings coverage of net charge-offs (x) | 10.5097% | 2,455 |
| Efficiency ratio | 57.1794% | 3,833 |
| Assets per employee ($millions) | 7.2179% | 1,438 |
| Cash dividends to net income (ytd only)* | 39.4723% | 2,386 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4667% | 1,705 |
| Loan loss allowance to noncurrent loans | 230.1448% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 2,210 |
| Noncurrent loans to loans | 0.6373% | 2,092 |
| Net loans and leases to total assets | 68.1652% | 1,808 |
| Net loans and leases to deposits | 80.9203% | 1,772 |
| Net loans and leases to core deposits | 83.2832% | 2,101 |
| Total domestic deposits to total assets | 84.2375% | 3,040 |
| Equity capital to assets | 12.0533% | 1,543 |
| Core capital (leverage) ratio | 9.9486% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9252% | 1,882 |
| Memoranda: |
| Average total assets | $10,378,126,000 | 147 |
| Average earning assets | $9,407,469,800 | 144 |
| Average equity | $1,231,392,800 | 147 |
| Average total loans | $7,421,659,000 | 142 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7573% | 3,669 |
| Cost of funding earning assets | 0.3240% | 4,195 |
| Net interest margin | 3.4333% | 2,803 |
| Noninterest income to average assets | 0.9907% | 1,034 |
| Noninterest expense to average assets | 2.3206% | 3,364 |
| Loan and lease loss provision to assets | 0.6722% | 335 |
| Net operating income to assets | 0.8697% | 2,822 |
| Return on assets (ROA) | 0.8705% | 2,950 |
| Pretax return on assets | 1.1073% | 2,720 |
| Return on Equity (ROE) | 7.3673% | 3,068 |
| Retained earnings to average equity (ytd only) | 4.4644% | 2,818 |
| Net charge-offs to loans | 0.2385% | 641 |
| Credit loss provision to net charge-offs | 390.7931% | 1,488 |
| Earnings coverage of net charge-offs (x) | 10.3394% | 2,362 |
| Efficiency ratio | 56.1997% | 3,898 |
| Assets per employee ($millions) | 7.1174% | 1,418 |
| Cash dividends to net income (ytd only)* | 39.4024% | 1,968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5141% | 1,343 |
| Loan loss allowance to noncurrent loans | 297.5958% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 2,662 |
| Noncurrent loans to loans | 0.5088% | 2,524 |
| Net loans and leases to total assets | 69.2089% | 2,073 |
| Net loans and leases to deposits | 82.6971% | 2,041 |
| Net loans and leases to core deposits | 85.3728% | 2,353 |
| Total domestic deposits to total assets | 83.6897% | 2,933 |
| Equity capital to assets | 11.9720% | 1,693 |
| Core capital (leverage) ratio | 9.8945% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7579% | 1,907 |
| Memoranda: |
| Average total assets | $10,262,328,250 | 145 |
| Average earning assets | $9,291,411,500 | 143 |
| Average equity | $1,212,557,250 | 147 |
| Average total loans | $7,402,072,750 | 142 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8721% | 3,694 |
| Cost of funding earning assets | 0.3825% | 4,113 |
| Net interest margin | 3.4896% | 2,823 |
| Noninterest income to average assets | 0.9985% | 988 |
| Noninterest expense to average assets | 2.3559% | 3,381 |
| Loan and lease loss provision to assets | 0.9604% | 224 |
| Net operating income to assets | 0.6733% | 3,492 |
| Return on assets (ROA) | 0.6744% | 3,594 |
| Pretax return on assets | 0.8407% | 3,470 |
| Return on Equity (ROE) | 5.7348% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.5786% | 3,139 |
| Net charge-offs to loans | 0.2988% | 532 |
| Credit loss provision to net charge-offs | 441.5703% | 1,321 |
| Earnings coverage of net charge-offs (x) | 8.2751% | 2,300 |
| Efficiency ratio | 56.2710% | 3,908 |
| Assets per employee ($millions) | 7.1048% | 1,386 |
| Cash dividends to net income (ytd only)* | 37.5984% | 2,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4848% | 1,303 |
| Loan loss allowance to noncurrent loans | 410.8746% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,227 |
| Noncurrent loans to loans | 0.3614% | 3,107 |
| Net loans and leases to total assets | 69.9633% | 2,038 |
| Net loans and leases to deposits | 85.0078% | 1,884 |
| Net loans and leases to core deposits | 88.2151% | 2,224 |
| Total domestic deposits to total assets | 82.3022% | 3,288 |
| Equity capital to assets | 11.7967% | 1,784 |
| Core capital (leverage) ratio | 9.9091% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5292% | 1,989 |
| Memoranda: |
| Average total assets | $10,095,913,667 | 146 |
| Average earning assets | $9,134,240,667 | 144 |
| Average equity | $1,187,285,667 | 149 |
| Average total loans | $7,348,608,333 | 146 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0561% | 3,639 |
| Cost of funding earning assets | 0.5124% | 3,879 |
| Net interest margin | 3.5437% | 2,834 |
| Noninterest income to average assets | 1.0716% | 737 |
| Noninterest expense to average assets | 2.5966% | 2,990 |
| Loan and lease loss provision to assets | 1.2145% | 144 |
| Net operating income to assets | 0.3878% | 4,164 |
| Return on assets (ROA) | 0.3883% | 4,197 |
| Pretax return on assets | 0.4615% | 4,186 |
| Return on Equity (ROE) | 3.3074% | 4,142 |
| Retained earnings to average equity (ytd only) | -1.1602% | 4,164 |
| Net charge-offs to loans | 0.3132% | 464 |
| Credit loss provision to net charge-offs | 525.6251% | 855 |
| Earnings coverage of net charge-offs (x) | 7.2509% | 1,935 |
| Efficiency ratio | 60.3432% | 3,694 |
| Assets per employee ($millions) | 6.4330% | 1,380 |
| Cash dividends to net income (ytd only)* | 135.0781% | 524 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3786% | 1,779 |
| Loan loss allowance to noncurrent loans | 310.0583% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,033 |
| Noncurrent loans to loans | 0.4446% | 2,923 |
| Net loans and leases to total assets | 72.3994% | 1,859 |
| Net loans and leases to deposits | 90.3529% | 1,466 |
| Net loans and leases to core deposits | 94.4346% | 1,930 |
| Total domestic deposits to total assets | 80.1296% | 3,835 |
| Equity capital to assets | 11.6403% | 2,331 |
| Core capital (leverage) ratio | 9.5132% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7721% | 2,817 |
| Memoranda: |
| Average total assets | $9,762,021,000 | 147 |
| Average earning assets | $8,816,317,500 | 145 |
| Average equity | $1,146,047,000 | 153 |
| Average total loans | $7,200,843,500 | 146 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2494% | 3,680 |
| Cost of funding earning assets | 0.5961% | 3,657 |
| Net interest margin | 3.6533% | 2,957 |
| Noninterest income to average assets | 1.0500% | 859 |
| Noninterest expense to average assets | 2.5636% | 3,276 |
| Loan and lease loss provision to assets | 0.2660% | 679 |
| Net operating income to assets | 1.1853% | 2,112 |
| Return on assets (ROA) | 1.2188% | 2,075 |
| Pretax return on assets | 1.5706% | 1,586 |
| Return on Equity (ROE) | 10.5553% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.0038% | 1,866 |
| Net charge-offs to loans | 0.3569% | 559 |
| Credit loss provision to net charge-offs | 101.8435% | 2,433 |
| Earnings coverage of net charge-offs (x) | 6.8685% | 2,926 |
| Efficiency ratio | 58.3621% | 3,927 |
| Assets per employee ($millions) | 6.2698% | 1,440 |
| Cash dividends to net income (ytd only)* | 43.1209% | 2,436 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0208% | 3,376 |
| Loan loss allowance to noncurrent loans | 252.5527% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,160 |
| Noncurrent loans to loans | 0.4042% | 2,988 |
| Net loans and leases to total assets | 73.3684% | 1,864 |
| Net loans and leases to deposits | 92.5379% | 1,306 |
| Net loans and leases to core deposits | 97.1859% | 1,800 |
| Total domestic deposits to total assets | 79.2846% | 4,124 |
| Equity capital to assets | 11.8418% | 2,246 |
| Core capital (leverage) ratio | 9.6400% | 3,913 |
| Tier 1 risk-based capital ratio | 11.7569% | 4,494 |
| Total risk-based capital ratio | 12.7282% | 4,514 |
| Memoranda: |
| Average total assets | $9,551,929,000 | 147 |
| Average earning assets | $8,648,736,800 | 146 |
| Average equity | $1,102,921,000 | 151 |
| Average total loans | $6,990,409,600 | 145 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2796% | 3,718 |
| Cost of funding earning assets | 0.6055% | 3,671 |
| Net interest margin | 3.6741% | 3,015 |
| Noninterest income to average assets | 1.0304% | 874 |
| Noninterest expense to average assets | 2.5477% | 3,302 |
| Loan and lease loss provision to assets | 0.2716% | 574 |
| Net operating income to assets | 1.1911% | 2,230 |
| Return on assets (ROA) | 1.2360% | 2,153 |
| Pretax return on assets | 1.5948% | 1,655 |
| Return on Equity (ROE) | 10.7740% | 2,112 |
| Retained earnings to average equity (ytd only) | 6.2246% | 2,269 |
| Net charge-offs to loans | 0.3750% | 448 |
| Credit loss provision to net charge-offs | 99.2838% | 2,289 |
| Earnings coverage of net charge-offs (x) | 6.6159% | 2,819 |
| Efficiency ratio | 57.9973% | 3,938 |
| Assets per employee ($millions) | 6.2812% | 1,402 |
| Cash dividends to net income (ytd only)* | 42.2251% | 2,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0291% | 3,406 |
| Loan loss allowance to noncurrent loans | 219.5207% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 3,037 |
| Noncurrent loans to loans | 0.4688% | 2,896 |
| Net loans and leases to total assets | 72.5593% | 2,073 |
| Net loans and leases to deposits | 89.2724% | 1,782 |
| Net loans and leases to core deposits | 93.8142% | 2,196 |
| Total domestic deposits to total assets | 81.2785% | 3,670 |
| Equity capital to assets | 11.7560% | 2,450 |
| Core capital (leverage) ratio | 9.4897% | 4,174 |
| Tier 1 risk-based capital ratio | 11.6526% | 4,590 |
| Total risk-based capital ratio | 12.6247% | 4,628 |
| Memoranda: |
| Average total assets | $9,529,177,500 | 148 |
| Average earning assets | $8,628,416,750 | 147 |
| Average equity | $1,093,176,000 | 152 |
| Average total loans | $6,951,054,750 | 147 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2785% | 3,699 |
| Cost of funding earning assets | 0.6016% | 3,640 |
| Net interest margin | 3.6769% | 3,001 |
| Noninterest income to average assets | 1.0106% | 857 |
| Noninterest expense to average assets | 2.5264% | 3,397 |
| Loan and lease loss provision to assets | 0.2752% | 538 |
| Net operating income to assets | 1.1978% | 2,158 |
| Return on assets (ROA) | 1.1981% | 2,217 |
| Pretax return on assets | 1.5458% | 1,714 |
| Return on Equity (ROE) | 10.5312% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.9459% | 2,303 |
| Net charge-offs to loans | 0.3877% | 430 |
| Credit loss provision to net charge-offs | 97.4672% | 2,040 |
| Earnings coverage of net charge-offs (x) | 6.4479% | 2,570 |
| Efficiency ratio | 57.6323% | 4,056 |
| Assets per employee ($millions) | 6.1487% | 1,436 |
| Cash dividends to net income (ytd only)* | 43.5401% | 2,069 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0340% | 3,423 |
| Loan loss allowance to noncurrent loans | 266.7246% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 3,318 |
| Noncurrent loans to loans | 0.3877% | 3,139 |
| Net loans and leases to total assets | 72.1904% | 2,185 |
| Net loans and leases to deposits | 90.3576% | 1,696 |
| Net loans and leases to core deposits | 96.2479% | 2,038 |
| Total domestic deposits to total assets | 79.8941% | 4,061 |
| Equity capital to assets | 11.5713% | 2,554 |
| Core capital (leverage) ratio | 9.2488% | 4,410 |
| Tier 1 risk-based capital ratio | 11.5022% | 4,685 |
| Total risk-based capital ratio | 12.4808% | 4,709 |
| Memoranda: |
| Average total assets | $9,508,446,670 | 149 |
| Average earning assets | $8,627,836,000 | 148 |
| Average equity | $1,081,714,000 | 154 |
| Average total loans | $6,924,141,330 | 149 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2461% | 3,718 |
| Cost of funding earning assets | 0.5804% | 3,674 |
| Net interest margin | 3.6657% | 3,024 |
| Noninterest income to average assets | 0.9849% | 842 |
| Noninterest expense to average assets | 2.5852% | 3,256 |
| Loan and lease loss provision to assets | 0.2450% | 597 |
| Net operating income to assets | 1.1490% | 2,276 |
| Return on assets (ROA) | 1.1480% | 2,330 |
| Pretax return on assets | 1.4812% | 1,835 |
| Return on Equity (ROE) | 10.1793% | 2,285 |
| Retained earnings to average equity (ytd only) | 5.5396% | 2,677 |
| Net charge-offs to loans | 0.4006% | 387 |
| Credit loss provision to net charge-offs | 84.0741% | 1,755 |
| Earnings coverage of net charge-offs (x) | 5.9266% | 2,229 |
| Efficiency ratio | 59.4284% | 3,886 |
| Assets per employee ($millions) | 6.2233% | 1,391 |
| Cash dividends to net income (ytd only)* | 45.5799% | 1,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0350% | 3,497 |
| Loan loss allowance to noncurrent loans | 246.5046% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,281 |
| Noncurrent loans to loans | 0.4199% | 3,087 |
| Net loans and leases to total assets | 72.1291% | 2,135 |
| Net loans and leases to deposits | 89.0510% | 1,745 |
| Net loans and leases to core deposits | 94.2097% | 2,105 |
| Total domestic deposits to total assets | 80.9976% | 3,970 |
| Equity capital to assets | 11.4131% | 2,478 |
| Core capital (leverage) ratio | 9.1374% | 4,536 |
| Tier 1 risk-based capital ratio | 11.4379% | 4,771 |
| Total risk-based capital ratio | 12.4275% | 4,803 |
| Memoranda: |
| Average total assets | $9,478,950,500 | 149 |
| Average earning assets | $8,604,783,000 | 147 |
| Average equity | $1,069,034,000 | 157 |
| Average total loans | $6,896,744,500 | 149 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0663% | 3,852 |
| Cost of funding earning assets | 0.4076% | 3,942 |
| Net interest margin | 3.6587% | 3,194 |
| Noninterest income to average assets | 1.0329% | 883 |
| Noninterest expense to average assets | 2.5377% | 3,504 |
| Loan and lease loss provision to assets | 0.3095% | 520 |
| Net operating income to assets | 1.2364% | 2,027 |
| Return on assets (ROA) | 1.1770% | 2,271 |
| Pretax return on assets | 1.4375% | 1,999 |
| Return on Equity (ROE) | 10.7712% | 2,174 |
| Retained earnings to average equity (ytd only) | 6.5466% | 1,899 |
| Net charge-offs to loans | 0.3811% | 494 |
| Credit loss provision to net charge-offs | 111.6369% | 2,318 |
| Earnings coverage of net charge-offs (x) | 6.5624% | 3,078 |
| Efficiency ratio | 57.6958% | 4,194 |
| Assets per employee ($millions) | 6.1880% | 1,395 |
| Cash dividends to net income (ytd only)* | 39.2214% | 2,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0516% | 3,371 |
| Loan loss allowance to noncurrent loans | 237.1615% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,153 |
| Noncurrent loans to loans | 0.4434% | 2,950 |
| Net loans and leases to total assets | 71.8701% | 2,281 |
| Net loans and leases to deposits | 92.0306% | 1,553 |
| Net loans and leases to core deposits | 97.9158% | 1,871 |
| Total domestic deposits to total assets | 78.0937% | 4,474 |
| Equity capital to assets | 11.1433% | 2,561 |
| Core capital (leverage) ratio | 8.9797% | 4,673 |
| Tier 1 risk-based capital ratio | 11.1430% | 4,897 |
| Total risk-based capital ratio | 12.1385% | 4,913 |
| Memoranda: |
| Average total assets | $9,314,387,400 | 146 |
| Average earning assets | $8,462,657,400 | 146 |
| Average equity | $1,017,845,400 | 159 |
| Average total loans | $6,775,581,800 | 147 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0138% | 3,881 |
| Cost of funding earning assets | 0.3791% | 4,000 |
| Net interest margin | 3.6348% | 3,253 |
| Noninterest income to average assets | 1.0371% | 888 |
| Noninterest expense to average assets | 2.5166% | 3,538 |
| Loan and lease loss provision to assets | 0.3207% | 440 |
| Net operating income to assets | 1.1652% | 2,391 |
| Return on assets (ROA) | 1.1636% | 2,405 |
| Pretax return on assets | 1.5014% | 1,889 |
| Return on Equity (ROE) | 10.7023% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.6543% | 2,308 |
| Net charge-offs to loans | 0.3754% | 432 |
| Credit loss provision to net charge-offs | 117.3993% | 2,017 |
| Earnings coverage of net charge-offs (x) | 6.6764% | 2,866 |
| Efficiency ratio | 57.4182% | 4,197 |
| Assets per employee ($millions) | 6.1691% | 1,371 |
| Cash dividends to net income (ytd only)* | 37.8240% | 2,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0563% | 3,433 |
| Loan loss allowance to noncurrent loans | 259.6932% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,360 |
| Noncurrent loans to loans | 0.4068% | 3,193 |
| Net loans and leases to total assets | 72.0146% | 2,325 |
| Net loans and leases to deposits | 91.1293% | 1,737 |
| Net loans and leases to core deposits | 93.1718% | 2,378 |
| Total domestic deposits to total assets | 79.0246% | 4,311 |
| Equity capital to assets | 10.8399% | 2,809 |
| Core capital (leverage) ratio | 8.8329% | 4,862 |
| Tier 1 risk-based capital ratio | 10.9684% | 5,050 |
| Total risk-based capital ratio | 11.9682% | 5,065 |
| Memoranda: |
| Average total assets | $9,269,901,250 | 144 |
| Average earning assets | $8,425,051,250 | 144 |
| Average equity | $1,007,868,000 | 158 |
| Average total loans | $6,745,814,250 | 147 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9533% | 3,917 |
| Cost of funding earning assets | 0.3432% | 4,117 |
| Net interest margin | 3.6101% | 3,273 |
| Noninterest income to average assets | 1.0552% | 867 |
| Noninterest expense to average assets | 2.5152% | 3,591 |
| Loan and lease loss provision to assets | 0.3537% | 364 |
| Net operating income to assets | 1.1393% | 2,438 |
| Return on assets (ROA) | 1.1380% | 2,446 |
| Pretax return on assets | 1.4683% | 1,934 |
| Return on Equity (ROE) | 10.4560% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.9435% | 2,588 |
| Net charge-offs to loans | 0.3979% | 396 |
| Credit loss provision to net charge-offs | 122.1405% | 1,782 |
| Earnings coverage of net charge-offs (x) | 6.2981% | 2,643 |
| Efficiency ratio | 57.3957% | 4,312 |
| Assets per employee ($millions) | 6.0183% | 1,451 |
| Cash dividends to net income (ytd only)* | 43.1569% | 1,974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0563% | 3,504 |
| Loan loss allowance to noncurrent loans | 276.3685% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,456 |
| Noncurrent loans to loans | 0.3822% | 3,327 |
| Net loans and leases to total assets | 72.2859% | 2,230 |
| Net loans and leases to deposits | 91.9209% | 1,593 |
| Net loans and leases to core deposits | 98.1853% | 1,876 |
| Total domestic deposits to total assets | 78.6393% | 4,482 |
| Equity capital to assets | 10.7634% | 2,872 |
| Core capital (leverage) ratio | 8.7385% | 4,938 |
| Tier 1 risk-based capital ratio | 10.6984% | 5,193 |
| Total risk-based capital ratio | 11.6949% | 5,196 |
| Memoranda: |
| Average total assets | $9,203,337,000 | 143 |
| Average earning assets | $8,370,995,670 | 142 |
| Average equity | $1,001,660,000 | 158 |
| Average total loans | $6,696,986,670 | 144 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8947% | 3,942 |
| Cost of funding earning assets | 0.3075% | 4,297 |
| Net interest margin | 3.5871% | 3,231 |
| Noninterest income to average assets | 1.0318% | 854 |
| Noninterest expense to average assets | 2.5570% | 3,468 |
| Loan and lease loss provision to assets | 0.3291% | 377 |
| Net operating income to assets | 1.0931% | 2,454 |
| Return on assets (ROA) | 1.0923% | 2,470 |
| Pretax return on assets | 1.4092% | 1,978 |
| Return on Equity (ROE) | 9.9797% | 2,443 |
| Retained earnings to average equity (ytd only) | 5.6477% | 2,870 |
| Net charge-offs to loans | 0.4109% | 380 |
| Credit loss provision to net charge-offs | 110.3002% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.8295% | 2,197 |
| Efficiency ratio | 58.9023% | 4,233 |
| Assets per employee ($millions) | 6.0546% | 1,469 |
| Cash dividends to net income (ytd only)* | 43.4084% | 1,719 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0561% | 3,624 |
| Loan loss allowance to noncurrent loans | 247.5317% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,384 |
| Noncurrent loans to loans | 0.4267% | 3,259 |
| Net loans and leases to total assets | 71.7956% | 2,202 |
| Net loans and leases to deposits | 88.4418% | 1,873 |
| Net loans and leases to core deposits | 94.4501% | 2,100 |
| Total domestic deposits to total assets | 81.1784% | 4,158 |
| Equity capital to assets | 10.9032% | 2,679 |
| Core capital (leverage) ratio | 8.7466% | 4,955 |
| Tier 1 risk-based capital ratio | 10.8287% | 5,233 |
| Total risk-based capital ratio | 11.8271% | 5,232 |
| Memoranda: |
| Average total assets | $9,110,721,500 | 144 |
| Average earning assets | $8,291,415,000 | 143 |
| Average equity | $997,227,500 | 158 |
| Average total loans | $6,615,948,500 | 142 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7913% | 4,077 |
| Cost of funding earning assets | 0.2796% | 4,312 |
| Net interest margin | 3.5117% | 3,486 |
| Noninterest income to average assets | 1.0249% | 970 |
| Noninterest expense to average assets | 2.4961% | 3,796 |
| Loan and lease loss provision to assets | 0.3458% | 460 |
| Net operating income to assets | 0.8978% | 2,723 |
| Return on assets (ROA) | 0.8978% | 2,757 |
| Pretax return on assets | 1.3749% | 2,071 |
| Return on Equity (ROE) | 8.2197% | 2,689 |
| Retained earnings to average equity (ytd only) | 4.3068% | 2,573 |
| Net charge-offs to loans | 0.4184% | 592 |
| Credit loss provision to net charge-offs | 116.1121% | 2,253 |
| Earnings coverage of net charge-offs (x) | 5.7777% | 3,273 |
| Efficiency ratio | 58.5473% | 4,467 |
| Assets per employee ($millions) | 7.8585% | 675 |
| Cash dividends to net income (ytd only)* | 47.6043% | 2,434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0555% | 3,591 |
| Loan loss allowance to noncurrent loans | 223.3434% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 3,285 |
| Noncurrent loans to loans | 0.4726% | 3,090 |
| Net loans and leases to total assets | 71.9060% | 2,248 |
| Net loans and leases to deposits | 90.2925% | 1,741 |
| Net loans and leases to core deposits | 96.1138% | 2,014 |
| Total domestic deposits to total assets | 79.6367% | 4,407 |
| Equity capital to assets | 10.9885% | 2,638 |
| Core capital (leverage) ratio | 8.5910% | 5,052 |
| Tier 1 risk-based capital ratio | 10.7379% | 5,274 |
| Total risk-based capital ratio | 11.7376% | 5,279 |
| Memoranda: |
| Average total assets | $8,961,322,200 | 139 |
| Average earning assets | $8,145,146,200 | 138 |
| Average equity | $978,804,000 | 150 |
| Average total loans | $6,377,995,200 | 136 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7558% | 4,157 |
| Cost of funding earning assets | 0.2764% | 4,348 |
| Net interest margin | 3.4794% | 3,570 |
| Noninterest income to average assets | 1.0365% | 946 |
| Noninterest expense to average assets | 2.5019% | 3,726 |
| Loan and lease loss provision to assets | 0.3407% | 441 |
| Net operating income to assets | 0.8981% | 3,036 |
| Return on assets (ROA) | 0.8981% | 3,089 |
| Pretax return on assets | 1.3552% | 2,256 |
| Return on Equity (ROE) | 8.2353% | 3,004 |
| Retained earnings to average equity (ytd only) | 4.4731% | 3,240 |
| Net charge-offs to loans | 0.4149% | 506 |
| Credit loss provision to net charge-offs | 116.0020% | 2,062 |
| Earnings coverage of net charge-offs (x) | 5.7745% | 3,059 |
| Efficiency ratio | 58.9457% | 4,367 |
| Assets per employee ($millions) | 7.8150% | 679 |
| Cash dividends to net income (ytd only)* | 45.6833% | 1,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0569% | 3,748 |
| Loan loss allowance to noncurrent loans | 254.6477% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 3,676 |
| Noncurrent loans to loans | 0.4150% | 3,461 |
| Net loans and leases to total assets | 70.4614% | 2,492 |
| Net loans and leases to deposits | 88.0430% | 2,057 |
| Net loans and leases to core deposits | 93.1733% | 2,333 |
| Total domestic deposits to total assets | 80.0307% | 4,303 |
| Equity capital to assets | 10.9244% | 2,938 |
| Core capital (leverage) ratio | 8.5559% | 5,202 |
| Tier 1 risk-based capital ratio | 10.7506% | 5,359 |
| Total risk-based capital ratio | 11.7417% | 5,387 |
| Memoranda: |
| Average total assets | $8,936,446,750 | 140 |
| Average earning assets | $8,119,645,750 | 140 |
| Average equity | $974,592,000 | 151 |
| Average total loans | $6,326,300,750 | 138 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7138% | 4,183 |
| Cost of funding earning assets | 0.2654% | 4,414 |
| Net interest margin | 3.4483% | 3,596 |
| Noninterest income to average assets | 1.0288% | 959 |
| Noninterest expense to average assets | 2.5067% | 3,728 |
| Loan and lease loss provision to assets | 0.3363% | 436 |
| Net operating income to assets | 0.8744% | 3,049 |
| Return on assets (ROA) | 0.8744% | 3,102 |
| Pretax return on assets | 1.3203% | 2,309 |
| Return on Equity (ROE) | 8.0225% | 3,020 |
| Retained earnings to average equity (ytd only) | 4.5748% | 2,987 |
| Net charge-offs to loans | 0.4314% | 469 |
| Credit loss provision to net charge-offs | 110.3352% | 1,889 |
| Earnings coverage of net charge-offs (x) | 5.4350% | 2,824 |
| Efficiency ratio | 59.5590% | 4,390 |
| Assets per employee ($millions) | 7.5641% | 719 |
| Cash dividends to net income (ytd only)* | 42.9748% | 2,192 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0459% | 3,873 |
| Loan loss allowance to noncurrent loans | 208.2356% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 3,478 |
| Noncurrent loans to loans | 0.5023% | 3,246 |
| Net loans and leases to total assets | 70.0043% | 2,524 |
| Net loans and leases to deposits | 89.3999% | 1,815 |
| Net loans and leases to core deposits | 95.4666% | 2,027 |
| Total domestic deposits to total assets | 78.3047% | 4,769 |
| Equity capital to assets | 10.8985% | 2,926 |
| Core capital (leverage) ratio | 8.5482% | 5,180 |
| Tier 1 risk-based capital ratio | 10.6881% | 5,384 |
| Total risk-based capital ratio | 11.6621% | 5,426 |
| Memoranda: |
| Average total assets | $8,888,271,330 | 139 |
| Average earning assets | $8,079,460,000 | 141 |
| Average equity | $968,775,330 | 152 |
| Average total loans | $6,279,423,330 | 137 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6989% | 4,122 |
| Cost of funding earning assets | 0.2600% | 4,456 |
| Net interest margin | 3.4389% | 3,491 |
| Noninterest income to average assets | 1.0018% | 1,001 |
| Noninterest expense to average assets | 2.5660% | 3,603 |
| Loan and lease loss provision to assets | 0.3342% | 368 |
| Net operating income to assets | 0.8099% | 3,178 |
| Return on assets (ROA) | 0.8099% | 3,236 |
| Pretax return on assets | 1.2288% | 2,480 |
| Return on Equity (ROE) | 7.4302% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.9372% | 2,927 |
| Net charge-offs to loans | 0.4413% | 416 |
| Credit loss provision to net charge-offs | 107.2685% | 1,497 |
| Earnings coverage of net charge-offs (x) | 5.0169% | 2,324 |
| Efficiency ratio | 61.5266% | 4,223 |
| Assets per employee ($millions) | 7.9273% | 641 |
| Cash dividends to net income (ytd only)* | 33.5533% | 2,211 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0475% | 3,993 |
| Loan loss allowance to noncurrent loans | 187.3610% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 3,328 |
| Noncurrent loans to loans | 0.5591% | 3,129 |
| Net loans and leases to total assets | 69.9681% | 2,386 |
| Net loans and leases to deposits | 86.0112% | 2,029 |
| Net loans and leases to core deposits | 91.5906% | 2,209 |
| Total domestic deposits to total assets | 81.3476% | 4,332 |
| Equity capital to assets | 10.9259% | 2,719 |
| Core capital (leverage) ratio | 8.5636% | 5,179 |
| Tier 1 risk-based capital ratio | 10.7849% | 5,415 |
| Total risk-based capital ratio | 11.7623% | 5,462 |
| Memoranda: |
| Average total assets | $8,831,747,500 | 141 |
| Average earning assets | $8,031,334,500 | 138 |
| Average equity | $962,660,500 | 151 |
| Average total loans | $6,235,180,000 | 137 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6990% | 4,209 |
| Cost of funding earning assets | 0.2569% | 4,504 |
| Net interest margin | 3.4421% | 3,653 |
| Noninterest income to average assets | 1.0232% | 1,082 |
| Noninterest expense to average assets | 2.4927% | 4,034 |
| Loan and lease loss provision to assets | 0.2980% | 636 |
| Net operating income to assets | 0.8949% | 2,856 |
| Return on assets (ROA) | 0.8848% | 3,023 |
| Pretax return on assets | 1.3397% | 2,146 |
| Return on Equity (ROE) | 8.1143% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.0181% | 1,221 |
| Net charge-offs to loans | 0.3843% | 698 |
| Credit loss provision to net charge-offs | 109.3853% | 2,400 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 3,238 |
| Efficiency ratio | 59.4597% | 4,667 |
| Assets per employee ($millions) | 7.9144% | 631 |
| Cash dividends to net income (ytd only)* | 13.5092% | 3,932 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0519% | 4,001 |
| Loan loss allowance to noncurrent loans | 160.9003% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 3,167 |
| Noncurrent loans to loans | 0.6538% | 2,896 |
| Net loans and leases to total assets | 69.7481% | 2,525 |
| Net loans and leases to deposits | 87.5683% | 1,981 |
| Net loans and leases to core deposits | 93.7480% | 2,129 |
| Total domestic deposits to total assets | 79.6499% | 4,644 |
| Equity capital to assets | 10.8739% | 2,736 |
| Core capital (leverage) ratio | 8.5903% | 5,176 |
| Tier 1 risk-based capital ratio | 10.7646% | 5,457 |
| Total risk-based capital ratio | 11.7465% | 5,509 |
| Memoranda: |
| Average total assets | $8,533,005,600 | 137 |
| Average earning assets | $7,740,513,400 | 135 |
| Average equity | $930,509,600 | 152 |
| Average total loans | $6,049,715,400 | 133 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7048% | 4,240 |
| Cost of funding earning assets | 0.2588% | 4,525 |
| Net interest margin | 3.4460% | 3,688 |
| Noninterest income to average assets | 1.0158% | 1,113 |
| Noninterest expense to average assets | 2.5253% | 3,906 |
| Loan and lease loss provision to assets | 0.2719% | 653 |
| Net operating income to assets | 0.8870% | 2,971 |
| Return on assets (ROA) | 0.8874% | 3,102 |
| Pretax return on assets | 1.3444% | 2,256 |
| Return on Equity (ROE) | 8.1313% | 2,942 |
| Retained earnings to average equity (ytd only) | 6.6597% | 1,810 |
| Net charge-offs to loans | 0.3241% | 713 |
| Credit loss provision to net charge-offs | 118.1308% | 2,119 |
| Earnings coverage of net charge-offs (x) | 7.0211% | 2,929 |
| Efficiency ratio | 60.2897% | 4,500 |
| Assets per employee ($millions) | 7.7400% | 657 |
| Cash dividends to net income (ytd only)* | 18.0986% | 3,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0660% | 4,045 |
| Loan loss allowance to noncurrent loans | 145.4119% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 3,270 |
| Noncurrent loans to loans | 0.7331% | 2,838 |
| Net loans and leases to total assets | 70.0538% | 2,478 |
| Net loans and leases to deposits | 87.2648% | 2,109 |
| Net loans and leases to core deposits | 93.1561% | 2,261 |
| Total domestic deposits to total assets | 80.2772% | 4,447 |
| Equity capital to assets | 10.9167% | 3,104 |
| Core capital (leverage) ratio | 8.4380% | 5,407 |
| Tier 1 risk-based capital ratio | 10.5273% | 5,605 |
| Total risk-based capital ratio | 11.5269% | 5,639 |
| Memoranda: |
| Average total assets | $8,468,039,000 | 137 |
| Average earning assets | $7,679,751,500 | 138 |
| Average equity | $924,104,500 | 152 |
| Average total loans | $6,012,630,000 | 132 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7045% | 4,287 |
| Cost of funding earning assets | 0.2552% | 4,602 |
| Net interest margin | 3.4492% | 3,688 |
| Noninterest income to average assets | 1.0156% | 1,079 |
| Noninterest expense to average assets | 2.5558% | 3,874 |
| Loan and lease loss provision to assets | 0.2593% | 732 |
| Net operating income to assets | 0.8784% | 2,972 |
| Return on assets (ROA) | 0.8789% | 3,086 |
| Pretax return on assets | 1.3315% | 2,279 |
| Return on Equity (ROE) | 8.0547% | 2,955 |
| Retained earnings to average equity (ytd only) | 5.8266% | 2,222 |
| Net charge-offs to loans | 0.3128% | 757 |
| Credit loss provision to net charge-offs | 116.6166% | 1,900 |
| Earnings coverage of net charge-offs (x) | 7.1516% | 2,661 |
| Efficiency ratio | 60.9140% | 4,523 |
| Assets per employee ($millions) | 7.4672% | 712 |
| Cash dividends to net income (ytd only)* | 27.6625% | 2,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0691% | 4,111 |
| Loan loss allowance to noncurrent loans | 165.5165% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 3,607 |
| Noncurrent loans to loans | 0.6459% | 3,139 |
| Net loans and leases to total assets | 69.7597% | 2,516 |
| Net loans and leases to deposits | 88.2175% | 1,964 |
| Net loans and leases to core deposits | 94.3794% | 2,129 |
| Total domestic deposits to total assets | 79.0770% | 4,767 |
| Equity capital to assets | 10.8848% | 3,187 |
| Core capital (leverage) ratio | 8.3283% | 5,511 |
| Tier 1 risk-based capital ratio | 10.4173% | 5,708 |
| Total risk-based capital ratio | 11.4185% | 5,739 |
| Memoranda: |
| Average total assets | $8,390,796,330 | 136 |
| Average earning assets | $7,614,890,670 | 138 |
| Average equity | $915,564,000 | 150 |
| Average total loans | $5,963,445,000 | 132 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7006% | 4,323 |
| Cost of funding earning assets | 0.2521% | 4,682 |
| Net interest margin | 3.4485% | 3,672 |
| Noninterest income to average assets | 0.9893% | 1,099 |
| Noninterest expense to average assets | 2.5510% | 3,904 |
| Loan and lease loss provision to assets | 0.2937% | 541 |
| Net operating income to assets | 0.8439% | 3,013 |
| Return on assets (ROA) | 0.8449% | 3,139 |
| Pretax return on assets | 1.2799% | 2,386 |
| Return on Equity (ROE) | 7.7331% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.7331% | 1,577 |
| Net charge-offs to loans | 0.3239% | 680 |
| Credit loss provision to net charge-offs | 127.0946% | 1,381 |
| Earnings coverage of net charge-offs (x) | 6.8024% | 2,209 |
| Efficiency ratio | 61.0286% | 4,597 |
| Assets per employee ($millions) | 7.6235% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0777% | 4,183 |
| Loan loss allowance to noncurrent loans | 156.3964% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 3,515 |
| Noncurrent loans to loans | 0.6891% | 3,123 |
| Net loans and leases to total assets | 70.2070% | 2,309 |
| Net loans and leases to deposits | 85.1239% | 2,179 |
| Net loans and leases to core deposits | 91.0789% | 2,269 |
| Total domestic deposits to total assets | 82.4762% | 4,077 |
| Equity capital to assets | 10.9428% | 3,001 |
| Core capital (leverage) ratio | 8.4716% | 5,417 |
| Tier 1 risk-based capital ratio | 10.4516% | 5,772 |
| Total risk-based capital ratio | 11.4663% | 5,791 |
| Memoranda: |
| Average total assets | $8,303,764,000 | 139 |
| Average earning assets | $7,546,134,000 | 139 |
| Average equity | $907,212,500 | 151 |
| Average total loans | $5,925,471,000 | 133 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7727% | 4,126 |
| Cost of funding earning assets | 0.2547% | 4,731 |
| Net interest margin | 3.5180% | 3,458 |
| Noninterest income to average assets | 1.0648% | 1,040 |
| Noninterest expense to average assets | 2.6571% | 3,738 |
| Loan and lease loss provision to assets | 0.2296% | 870 |
| Net operating income to assets | 0.8972% | 2,886 |
| Return on assets (ROA) | 0.8976% | 2,965 |
| Pretax return on assets | 1.3735% | 2,008 |
| Return on Equity (ROE) | 7.9109% | 3,000 |
| Retained earnings to average equity (ytd only) | -0.7441% | 5,626 |
| Net charge-offs to loans | 0.3762% | 770 |
| Credit loss provision to net charge-offs | 84.5510% | 2,870 |
| Earnings coverage of net charge-offs (x) | 5.9005% | 3,309 |
| Efficiency ratio | 61.4269% | 4,698 |
| Assets per employee ($millions) | 7.2492% | 802 |
| Cash dividends to net income (ytd only)* | 109.4058% | 309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0712% | 4,205 |
| Loan loss allowance to noncurrent loans | 168.4703% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,586 |
| Noncurrent loans to loans | 0.6358% | 3,279 |
| Net loans and leases to total assets | 70.9871% | 2,201 |
| Net loans and leases to deposits | 87.4122% | 1,944 |
| Net loans and leases to core deposits | 93.7199% | 2,069 |
| Total domestic deposits to total assets | 81.2097% | 4,422 |
| Equity capital to assets | 10.9074% | 2,924 |
| Core capital (leverage) ratio | 8.4102% | 5,516 |
| Tier 1 risk-based capital ratio | 10.4480% | 5,798 |
| Total risk-based capital ratio | 11.4667% | 5,818 |
| Memoranda: |
| Average total assets | $7,963,155,000 | 135 |
| Average earning assets | $7,231,550,600 | 130 |
| Average equity | $903,521,400 | 151 |
| Average total loans | $5,748,660,600 | 129 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7941% | 4,103 |
| Cost of funding earning assets | 0.2553% | 4,822 |
| Net interest margin | 3.5389% | 3,391 |
| Noninterest income to average assets | 1.0369% | 1,110 |
| Noninterest expense to average assets | 2.6742% | 3,657 |
| Loan and lease loss provision to assets | 0.2110% | 926 |
| Net operating income to assets | 0.8975% | 2,973 |
| Return on assets (ROA) | 0.8980% | 3,055 |
| Pretax return on assets | 1.3643% | 2,162 |
| Return on Equity (ROE) | 7.8361% | 3,171 |
| Retained earnings to average equity (ytd only) | -0.7304% | 5,728 |
| Net charge-offs to loans | 0.3268% | 812 |
| Credit loss provision to net charge-offs | 89.2903% | 2,479 |
| Earnings coverage of net charge-offs (x) | 6.6646% | 3,018 |
| Efficiency ratio | 61.9936% | 4,572 |
| Assets per employee ($millions) | 7.2261% | 786 |
| Cash dividends to net income (ytd only)* | 109.3204% | 281 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1047% | 4,199 |
| Loan loss allowance to noncurrent loans | 140.0419% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 3,366 |
| Noncurrent loans to loans | 0.7889% | 2,994 |
| Net loans and leases to total assets | 71.7409% | 2,103 |
| Net loans and leases to deposits | 87.4835% | 1,973 |
| Net loans and leases to core deposits | 93.7547% | 2,099 |
| Total domestic deposits to total assets | 82.0050% | 4,158 |
| Equity capital to assets | 11.1439% | 2,856 |
| Core capital (leverage) ratio | 8.5199% | 5,539 |
| Tier 1 risk-based capital ratio | 10.5596% | 5,858 |
| Total risk-based capital ratio | 11.6116% | 5,868 |
| Memoranda: |
| Average total assets | $7,904,236,250 | 136 |
| Average earning assets | $7,173,839,250 | 132 |
| Average equity | $905,832,750 | 151 |
| Average total loans | $5,715,042,500 | 131 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7850% | 4,115 |
| Cost of funding earning assets | 0.2533% | 4,902 |
| Net interest margin | 3.5317% | 3,372 |
| Noninterest income to average assets | 1.0310% | 1,120 |
| Noninterest expense to average assets | 2.7119% | 3,557 |
| Loan and lease loss provision to assets | 0.1923% | 1,038 |
| Net operating income to assets | 0.8857% | 2,961 |
| Return on assets (ROA) | 0.8864% | 3,072 |
| Pretax return on assets | 1.3348% | 2,230 |
| Return on Equity (ROE) | 7.6621% | 3,228 |
| Retained earnings to average equity (ytd only) | -0.0545% | 5,520 |
| Net charge-offs to loans | 0.3157% | 836 |
| Credit loss provision to net charge-offs | 84.3400% | 2,281 |
| Earnings coverage of net charge-offs (x) | 6.6927% | 2,750 |
| Efficiency ratio | 63.0129% | 4,517 |
| Assets per employee ($millions) | 6.8885% | 871 |
| Cash dividends to net income (ytd only)* | 100.7107% | 513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1256% | 4,197 |
| Loan loss allowance to noncurrent loans | 146.7005% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 3,583 |
| Noncurrent loans to loans | 0.7673% | 3,190 |
| Net loans and leases to total assets | 71.2849% | 2,110 |
| Net loans and leases to deposits | 89.0441% | 1,715 |
| Net loans and leases to core deposits | 95.7146% | 1,826 |
| Total domestic deposits to total assets | 80.0557% | 4,853 |
| Equity capital to assets | 11.2922% | 2,578 |
| Core capital (leverage) ratio | 8.7607% | 5,267 |
| Tier 1 risk-based capital ratio | 10.7910% | 5,808 |
| Total risk-based capital ratio | 11.8609% | 5,822 |
| Memoranda: |
| Average total assets | $7,841,250,330 | 139 |
| Average earning assets | $7,120,490,330 | 133 |
| Average equity | $907,145,670 | 150 |
| Average total loans | $5,663,060,670 | 133 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8183% | 3,940 |
| Cost of funding earning assets | 0.2569% | 4,940 |
| Net interest margin | 3.5613% | 3,170 |
| Noninterest income to average assets | 0.9852% | 1,151 |
| Noninterest expense to average assets | 2.7628% | 3,373 |
| Loan and lease loss provision to assets | 0.1877% | 1,004 |
| Net operating income to assets | 0.8400% | 3,062 |
| Return on assets (ROA) | 0.8405% | 3,187 |
| Pretax return on assets | 1.2655% | 2,399 |
| Return on Equity (ROE) | 7.1766% | 3,414 |
| Retained earnings to average equity (ytd only) | 2.8632% | 4,252 |
| Net charge-offs to loans | 0.3310% | 731 |
| Credit loss provision to net charge-offs | 78.4576% | 1,844 |
| Earnings coverage of net charge-offs (x) | 6.0702% | 2,330 |
| Efficiency ratio | 64.4928% | 4,400 |
| Assets per employee ($millions) | 6.8661% | 908 |
| Cash dividends to net income (ytd only)* | 60.1043% | 1,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1623% | 4,187 |
| Loan loss allowance to noncurrent loans | 137.1532% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 3,481 |
| Noncurrent loans to loans | 0.8475% | 3,126 |
| Net loans and leases to total assets | 71.3157% | 1,931 |
| Net loans and leases to deposits | 85.4216% | 1,903 |
| Net loans and leases to core deposits | 91.8509% | 1,957 |
| Total domestic deposits to total assets | 83.4867% | 4,010 |
| Equity capital to assets | 11.7246% | 2,265 |
| Core capital (leverage) ratio | 9.0110% | 4,937 |
| Tier 1 risk-based capital ratio | 11.1847% | 5,722 |
| Total risk-based capital ratio | 12.2898% | 5,713 |
| Memoranda: |
| Average total assets | $7,759,674,000 | 137 |
| Average earning assets | $7,038,143,000 | 132 |
| Average equity | $908,783,000 | 150 |
| Average total loans | $5,609,147,000 | 132 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9556% | 3,896 |
| Cost of funding earning assets | 0.3027% | 4,765 |
| Net interest margin | 3.6529% | 3,208 |
| Noninterest income to average assets | 1.2565% | 767 |
| Noninterest expense to average assets | 2.8838% | 3,195 |
| Loan and lease loss provision to assets | 0.2533% | 891 |
| Net operating income to assets | 0.9410% | 2,669 |
| Return on assets (ROA) | 0.9413% | 2,760 |
| Pretax return on assets | 1.4082% | 1,858 |
| Return on Equity (ROE) | 8.2371% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.2219% | 3,189 |
| Net charge-offs to loans | 0.4090% | 1,045 |
| Credit loss provision to net charge-offs | 86.4022% | 2,729 |
| Earnings coverage of net charge-offs (x) | 5.6662% | 3,378 |
| Efficiency ratio | 62.5065% | 4,830 |
| Assets per employee ($millions) | 6.6663% | 970 |
| Cash dividends to net income (ytd only)* | 48.7449% | 2,347 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1860% | 4,092 |
| Loan loss allowance to noncurrent loans | 144.2117% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 3,633 |
| Noncurrent loans to loans | 0.8224% | 3,257 |
| Net loans and leases to total assets | 71.5596% | 1,981 |
| Net loans and leases to deposits | 87.4581% | 1,794 |
| Net loans and leases to core deposits | 93.9463% | 1,929 |
| Total domestic deposits to total assets | 81.8217% | 4,485 |
| Equity capital to assets | 11.6985% | 2,259 |
| Core capital (leverage) ratio | 8.7943% | 5,249 |
| Tier 1 risk-based capital ratio | 11.5381% | 5,638 |
| Total risk-based capital ratio | 12.7212% | 5,601 |
| Memoranda: |
| Average total assets | $7,714,904,600 | 134 |
| Average earning assets | $6,944,557,600 | 131 |
| Average equity | $881,659,400 | 146 |
| Average total loans | $5,529,134,000 | 128 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9497% | 3,966 |
| Cost of funding earning assets | 0.3111% | 4,766 |
| Net interest margin | 3.6385% | 3,276 |
| Noninterest income to average assets | 1.3239% | 693 |
| Noninterest expense to average assets | 2.9638% | 2,923 |
| Loan and lease loss provision to assets | 0.2186% | 1,050 |
| Net operating income to assets | 0.9409% | 2,727 |
| Return on assets (ROA) | 0.9413% | 2,815 |
| Pretax return on assets | 1.4127% | 1,957 |
| Return on Equity (ROE) | 8.2855% | 3,049 |
| Retained earnings to average equity (ytd only) | 3.8113% | 3,941 |
| Net charge-offs to loans | 0.3083% | 1,288 |
| Credit loss provision to net charge-offs | 99.2155% | 2,260 |
| Earnings coverage of net charge-offs (x) | 7.4004% | 2,930 |
| Efficiency ratio | 63.5630% | 4,618 |
| Assets per employee ($millions) | 6.6879% | 923 |
| Cash dividends to net income (ytd only)* | 54.0004% | 1,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2410% | 4,014 |
| Loan loss allowance to noncurrent loans | 127.0994% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 3,657 |
| Noncurrent loans to loans | 0.9764% | 3,119 |
| Net loans and leases to total assets | 70.8182% | 2,054 |
| Net loans and leases to deposits | 87.0760% | 1,780 |
| Net loans and leases to core deposits | 93.6404% | 1,904 |
| Total domestic deposits to total assets | 81.3291% | 4,722 |
| Equity capital to assets | 11.4156% | 2,561 |
| Core capital (leverage) ratio | 8.6444% | 5,504 |
| Tier 1 risk-based capital ratio | 11.3137% | 5,874 |
| Total risk-based capital ratio | 12.5496% | 5,817 |
| Memoranda: |
| Average total assets | $7,712,056,000 | 133 |
| Average earning assets | $6,932,612,000 | 131 |
| Average equity | $876,108,250 | 146 |
| Average total loans | $5,512,599,750 | 126 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9493% | 3,931 |
| Cost of funding earning assets | 0.3287% | 4,656 |
| Net interest margin | 3.6206% | 3,277 |
| Noninterest income to average assets | 1.4925% | 548 |
| Noninterest expense to average assets | 2.8073% | 3,476 |
| Loan and lease loss provision to assets | 0.2020% | 1,185 |
| Net operating income to assets | 1.1585% | 1,725 |
| Return on assets (ROA) | 1.1588% | 1,799 |
| Pretax return on assets | 1.7365% | 951 |
| Return on Equity (ROE) | 10.2177% | 2,049 |
| Retained earnings to average equity (ytd only) | 5.7206% | 2,498 |
| Net charge-offs to loans | 0.2792% | 1,425 |
| Credit loss provision to net charge-offs | 101.3051% | 1,964 |
| Earnings coverage of net charge-offs (x) | 9.7197% | 2,329 |
| Efficiency ratio | 58.2512% | 5,526 |
| Assets per employee ($millions) | 6.5947% | 964 |
| Cash dividends to net income (ytd only)* | 44.0133% | 2,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2474% | 4,183 |
| Loan loss allowance to noncurrent loans | 130.1647% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 3,850 |
| Noncurrent loans to loans | 0.9583% | 3,327 |
| Net loans and leases to total assets | 70.6220% | 1,979 |
| Net loans and leases to deposits | 90.8049% | 1,289 |
| Net loans and leases to core deposits | 96.0459% | 1,596 |
| Total domestic deposits to total assets | 77.7733% | 5,682 |
| Equity capital to assets | 11.4329% | 2,486 |
| Core capital (leverage) ratio | 8.6988% | 5,394 |
| Tier 1 risk-based capital ratio | 11.2033% | 5,953 |
| Total risk-based capital ratio | 12.4329% | 5,907 |
| Memoranda: |
| Average total assets | $7,685,593,330 | 135 |
| Average earning assets | $6,904,764,000 | 129 |
| Average equity | $871,664,000 | 148 |
| Average total loans | $5,487,769,330 | 126 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9658% | 3,831 |
| Cost of funding earning assets | 0.3506% | 4,535 |
| Net interest margin | 3.6152% | 3,190 |
| Noninterest income to average assets | 0.9673% | 1,207 |
| Noninterest expense to average assets | 2.7728% | 3,664 |
| Loan and lease loss provision to assets | 0.1885% | 1,266 |
| Net operating income to assets | 0.8422% | 2,941 |
| Return on assets (ROA) | 0.8425% | 3,013 |
| Pretax return on assets | 1.2542% | 2,266 |
| Return on Equity (ROE) | 7.4589% | 3,231 |
| Retained earnings to average equity (ytd only) | 2.9108% | 4,353 |
| Net charge-offs to loans | 0.2642% | 1,281 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 7.6518% | 2,103 |
| Efficiency ratio | 64.7084% | 4,743 |
| Assets per employee ($millions) | 6.5642% | 984 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2666% | 4,298 |
| Loan loss allowance to noncurrent loans | 128.1922% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 3,905 |
| Noncurrent loans to loans | 0.9880% | 3,446 |
| Net loans and leases to total assets | 70.4757% | 1,804 |
| Net loans and leases to deposits | 88.8867% | 1,265 |
| Net loans and leases to core deposits | 92.5226% | 1,681 |
| Total domestic deposits to total assets | 79.2871% | 5,633 |
| Equity capital to assets | 11.2974% | 2,429 |
| Core capital (leverage) ratio | 8.5368% | 5,597 |
| Tier 1 risk-based capital ratio | 11.0813% | 6,120 |
| Total risk-based capital ratio | 12.3233% | 6,074 |
| Memoranda: |
| Average total assets | $7,630,911,000 | 135 |
| Average earning assets | $6,855,569,500 | 131 |
| Average equity | $861,899,500 | 148 |
| Average total loans | $5,444,410,500 | 127 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1227% | 3,655 |
| Cost of funding earning assets | 0.4380% | 4,241 |
| Net interest margin | 3.6846% | 3,118 |
| Noninterest income to average assets | 1.0159% | 1,356 |
| Noninterest expense to average assets | 2.8889% | 3,403 |
| Loan and lease loss provision to assets | 0.3098% | 1,077 |
| Net operating income to assets | 0.7782% | 3,399 |
| Return on assets (ROA) | 0.7797% | 3,499 |
| Pretax return on assets | 1.1325% | 2,839 |
| Return on Equity (ROE) | 7.1284% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.4969% | 1,692 |
| Net charge-offs to loans | 0.4371% | 1,521 |
| Credit loss provision to net charge-offs | 100.4479% | 2,406 |
| Earnings coverage of net charge-offs (x) | 4.6698% | 3,495 |
| Efficiency ratio | 65.7822% | 4,596 |
| Assets per employee ($millions) | 6.4525% | 1,008 |
| Cash dividends to net income (ytd only)* | 8.8594% | 4,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2842% | 4,216 |
| Loan loss allowance to noncurrent loans | 129.2902% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 4,021 |
| Noncurrent loans to loans | 0.9933% | 3,532 |
| Net loans and leases to total assets | 70.3976% | 1,955 |
| Net loans and leases to deposits | 90.3305% | 1,204 |
| Net loans and leases to core deposits | 94.7563% | 1,540 |
| Total domestic deposits to total assets | 77.9333% | 5,838 |
| Equity capital to assets | 11.2923% | 2,347 |
| Core capital (leverage) ratio | 8.4704% | 5,703 |
| Tier 1 risk-based capital ratio | 11.1549% | 6,094 |
| Total risk-based capital ratio | 12.4053% | 6,049 |
| Memoranda: |
| Average total assets | $7,238,542,000 | 138 |
| Average earning assets | $6,508,953,400 | 135 |
| Average equity | $791,721,600 | 150 |
| Average total loans | $5,107,476,600 | 130 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1290% | 3,648 |
| Cost of funding earning assets | 0.4548% | 4,223 |
| Net interest margin | 3.6742% | 3,135 |
| Noninterest income to average assets | 1.0174% | 1,405 |
| Noninterest expense to average assets | 2.9563% | 3,126 |
| Loan and lease loss provision to assets | 0.3217% | 1,043 |
| Net operating income to assets | 0.7272% | 3,715 |
| Return on assets (ROA) | 0.7290% | 3,835 |
| Pretax return on assets | 1.0468% | 3,312 |
| Return on Equity (ROE) | 6.7231% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.8636% | 2,505 |
| Net charge-offs to loans | 0.4347% | 1,475 |
| Credit loss provision to net charge-offs | 105.1804% | 2,223 |
| Earnings coverage of net charge-offs (x) | 4.4657% | 3,432 |
| Efficiency ratio | 67.4913% | 4,190 |
| Assets per employee ($millions) | 6.3337% | 1,018 |
| Cash dividends to net income (ytd only)* | 12.7845% | 3,368 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3076% | 4,347 |
| Loan loss allowance to noncurrent loans | 157.0042% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 4,531 |
| Noncurrent loans to loans | 0.8329% | 4,167 |
| Net loans and leases to total assets | 69.6360% | 2,026 |
| Net loans and leases to deposits | 87.9066% | 1,372 |
| Net loans and leases to core deposits | 91.4970% | 1,815 |
| Total domestic deposits to total assets | 79.2158% | 5,696 |
| Equity capital to assets | 11.0890% | 2,680 |
| Core capital (leverage) ratio | 8.2911% | 5,976 |
| Tier 1 risk-based capital ratio | 10.8131% | 6,359 |
| Total risk-based capital ratio | 12.0627% | 6,325 |
| Memoranda: |
| Average total assets | $7,152,743,500 | 138 |
| Average earning assets | $6,433,557,000 | 137 |
| Average equity | $775,614,000 | 149 |
| Average total loans | $5,032,647,000 | 129 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1108% | 3,699 |
| Cost of funding earning assets | 0.4804% | 4,093 |
| Net interest margin | 3.6305% | 3,245 |
| Noninterest income to average assets | 1.0080% | 1,513 |
| Noninterest expense to average assets | 3.0852% | 2,709 |
| Loan and lease loss provision to assets | 0.3445% | 976 |
| Net operating income to assets | 0.5979% | 4,292 |
| Return on assets (ROA) | 0.6002% | 4,460 |
| Pretax return on assets | 0.8555% | 4,089 |
| Return on Equity (ROE) | 5.5807% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.5807% | 2,686 |
| Net charge-offs to loans | 0.4149% | 1,564 |
| Credit loss provision to net charge-offs | 118.1195% | 1,881 |
| Earnings coverage of net charge-offs (x) | 4.1031% | 3,214 |
| Efficiency ratio | 71.2319% | 3,607 |
| Assets per employee ($millions) | 5.9158% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3455% | 4,290 |
| Loan loss allowance to noncurrent loans | 167.3854% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 4,684 |
| Noncurrent loans to loans | 0.8038% | 4,304 |
| Net loans and leases to total assets | 69.8579% | 1,912 |
| Net loans and leases to deposits | 88.3831% | 1,294 |
| Net loans and leases to core deposits | 92.0816% | 1,703 |
| Total domestic deposits to total assets | 79.0399% | 5,797 |
| Equity capital to assets | 11.1712% | 2,584 |
| Core capital (leverage) ratio | 8.1235% | 6,083 |
| Tier 1 risk-based capital ratio | 10.4393% | 6,528 |
| Total risk-based capital ratio | 11.6899% | 6,496 |
| Memoranda: |
| Average total assets | $7,001,401,670 | 139 |
| Average earning assets | $6,313,657,670 | 138 |
| Average equity | $752,981,330 | 150 |
| Average total loans | $4,921,119,330 | 130 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9451% | 4,309 |
| Cost of funding earning assets | 0.5100% | 3,971 |
| Net interest margin | 3.4351% | 3,979 |
| Noninterest income to average assets | 0.9500% | 1,614 |
| Noninterest expense to average assets | 3.3023% | 2,081 |
| Loan and lease loss provision to assets | 0.3345% | 1,006 |
| Net operating income to assets | 0.2996% | 5,567 |
| Return on assets (ROA) | 0.3072% | 5,668 |
| Pretax return on assets | 0.4254% | 5,485 |
| Return on Equity (ROE) | 2.9191% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.9191% | 4,532 |
| Net charge-offs to loans | 0.5285% | 1,140 |
| Credit loss provision to net charge-offs | 90.4123% | 2,018 |
| Earnings coverage of net charge-offs (x) | 2.0254% | 3,154 |
| Efficiency ratio | 80.9764% | 2,187 |
| Assets per employee ($millions) | 6.9298% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3231% | 4,585 |
| Loan loss allowance to noncurrent loans | 158.4499% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 4,857 |
| Noncurrent loans to loans | 0.8350% | 4,452 |
| Net loans and leases to total assets | 67.9293% | 2,022 |
| Net loans and leases to deposits | 84.6957% | 1,506 |
| Net loans and leases to core deposits | 88.3893% | 1,864 |
| Total domestic deposits to total assets | 80.2039% | 5,710 |
| Equity capital to assets | 11.0501% | 2,905 |
| Core capital (leverage) ratio | 9.3503% | 4,324 |
| Tier 1 risk-based capital ratio | 10.3321% | 6,626 |
| Total risk-based capital ratio | 11.5824% | 6,611 |
| Memoranda: |
| Average total assets | $6,766,284,000 | 145 |
| Average earning assets | $6,109,454,000 | 143 |
| Average equity | $712,136,000 | 157 |
| Average total loans | $4,736,324,000 | 135 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5083% | 3,362 |
| Cost of funding earning assets | 0.6307% | 4,094 |
| Net interest margin | 3.8776% | 2,916 |
| Noninterest income to average assets | 1.0393% | 1,436 |
| Noninterest expense to average assets | 2.9809% | 3,345 |
| Loan and lease loss provision to assets | 0.3472% | 1,927 |
| Net operating income to assets | 0.8698% | 2,958 |
| Return on assets (ROA) | 0.8717% | 3,192 |
| Pretax return on assets | 1.2347% | 2,657 |
| Return on Equity (ROE) | 8.6156% | 2,821 |
| Retained earnings to average equity (ytd only) | -4.7881% | 6,413 |
| Net charge-offs to loans | 0.5483% | 2,091 |
| Credit loss provision to net charge-offs | 91.0189% | 3,429 |
| Earnings coverage of net charge-offs (x) | 4.1402% | 3,466 |
| Efficiency ratio | 64.8462% | 4,729 |
| Assets per employee ($millions) | 5.6049% | 1,594 |
| Cash dividends to net income (ytd only)* | 155.5746% | 197 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6209% | 3,217 |
| Loan loss allowance to noncurrent loans | 164.5989% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 4,620 |
| Noncurrent loans to loans | 0.9847% | 4,225 |
| Net loans and leases to total assets | 70.3015% | 1,783 |
| Net loans and leases to deposits | 87.2467% | 1,359 |
| Net loans and leases to core deposits | 92.0820% | 1,629 |
| Total domestic deposits to total assets | 80.5779% | 5,519 |
| Equity capital to assets | 9.8625% | 4,363 |
| Core capital (leverage) ratio | 7.6244% | 6,437 |
| Tier 1 risk-based capital ratio | 9.8310% | 6,739 |
| Total risk-based capital ratio | 11.0846% | 6,709 |
| Memoranda: |
| Average total assets | $5,838,300,200 | 157 |
| Average earning assets | $5,301,206,600 | 152 |
| Average equity | $590,696,600 | 175 |
| Average total loans | $4,061,763,800 | 150 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5058% | 3,613 |
| Cost of funding earning assets | 0.6435% | 4,248 |
| Net interest margin | 3.8623% | 3,063 |
| Noninterest income to average assets | 1.0327% | 1,418 |
| Noninterest expense to average assets | 3.0050% | 3,213 |
| Loan and lease loss provision to assets | 0.3063% | 2,158 |
| Net operating income to assets | 0.8747% | 3,109 |
| Return on assets (ROA) | 0.8769% | 3,339 |
| Pretax return on assets | 1.2356% | 2,845 |
| Return on Equity (ROE) | 8.6115% | 2,989 |
| Retained earnings to average equity (ytd only) | -4.2560% | 6,573 |
| Net charge-offs to loans | 0.4634% | 2,249 |
| Credit loss provision to net charge-offs | 95.6924% | 3,121 |
| Earnings coverage of net charge-offs (x) | 4.8070% | 3,198 |
| Efficiency ratio | 65.6180% | 4,519 |
| Assets per employee ($millions) | 5.5328% | 1,605 |
| Cash dividends to net income (ytd only)* | 149.4221% | 105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6639% | 3,278 |
| Loan loss allowance to noncurrent loans | 155.0436% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 4,720 |
| Noncurrent loans to loans | 1.0732% | 4,294 |
| Net loans and leases to total assets | 69.8948% | 1,921 |
| Net loans and leases to deposits | 86.5497% | 1,538 |
| Net loans and leases to core deposits | 91.4653% | 1,831 |
| Total domestic deposits to total assets | 80.7568% | 5,433 |
| Equity capital to assets | 10.0736% | 4,391 |
| Core capital (leverage) ratio | 7.8811% | 6,413 |
| Tier 1 risk-based capital ratio | 10.0108% | 6,797 |
| Total risk-based capital ratio | 11.2648% | 6,777 |
| Memoranda: |
| Average total assets | $5,801,363,750 | 161 |
| Average earning assets | $5,273,900,250 | 154 |
| Average equity | $590,777,750 | 177 |
| Average total loans | $4,007,800,750 | 149 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4820% | 3,846 |
| Cost of funding earning assets | 0.6595% | 4,368 |
| Net interest margin | 3.8225% | 3,254 |
| Noninterest income to average assets | 1.0227% | 1,396 |
| Noninterest expense to average assets | 3.0137% | 3,213 |
| Loan and lease loss provision to assets | 0.2987% | 2,193 |
| Net operating income to assets | 0.8333% | 3,225 |
| Return on assets (ROA) | 0.8359% | 3,480 |
| Pretax return on assets | 1.1918% | 2,960 |
| Return on Equity (ROE) | 8.1783% | 3,176 |
| Retained earnings to average equity (ytd only) | -8.7982% | 6,798 |
| Net charge-offs to loans | 0.4673% | 2,196 |
| Credit loss provision to net charge-offs | 93.4598% | 2,939 |
| Earnings coverage of net charge-offs (x) | 4.6520% | 3,027 |
| Efficiency ratio | 66.4662% | 4,441 |
| Assets per employee ($millions) | 5.4347% | 1,672 |
| Cash dividends to net income (ytd only)* | 207.5798% | 83 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6998% | 3,226 |
| Loan loss allowance to noncurrent loans | 155.2751% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 4,801 |
| Noncurrent loans to loans | 1.0947% | 4,336 |
| Net loans and leases to total assets | 69.1152% | 2,086 |
| Net loans and leases to deposits | 86.8425% | 1,491 |
| Net loans and leases to core deposits | 92.1676% | 1,764 |
| Total domestic deposits to total assets | 79.5869% | 5,842 |
| Equity capital to assets | 10.0514% | 4,255 |
| Core capital (leverage) ratio | 7.9727% | 6,300 |
| Tier 1 risk-based capital ratio | 10.0076% | 6,826 |
| Total risk-based capital ratio | 11.2619% | 6,805 |
| Memoranda: |
| Average total assets | $5,741,494,670 | 161 |
| Average earning assets | $5,223,438,330 | 156 |
| Average equity | $586,870,670 | 177 |
| Average total loans | $3,926,694,670 | 148 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5522% | 3,706 |
| Cost of funding earning assets | 0.6820% | 4,441 |
| Net interest margin | 3.8703% | 3,053 |
| Noninterest income to average assets | 1.0522% | 1,302 |
| Noninterest expense to average assets | 3.0693% | 3,018 |
| Loan and lease loss provision to assets | 0.3164% | 1,981 |
| Net operating income to assets | 0.8306% | 3,249 |
| Return on assets (ROA) | 0.8312% | 3,476 |
| Pretax return on assets | 1.1860% | 2,961 |
| Return on Equity (ROE) | 8.0615% | 3,257 |
| Retained earnings to average equity (ytd only) | 3.1891% | 4,653 |
| Net charge-offs to loans | 0.4695% | 1,912 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.7464% | 2,509 |
| Efficiency ratio | 66.6677% | 4,431 |
| Assets per employee ($millions) | 5.4223% | 1,762 |
| Cash dividends to net income (ytd only)* | 60.4410% | 1,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8680% | 2,777 |
| Loan loss allowance to noncurrent loans | 155.3542% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 4,867 |
| Noncurrent loans to loans | 1.2024% | 4,325 |
| Net loans and leases to total assets | 65.1982% | 2,618 |
| Net loans and leases to deposits | 81.7034% | 1,975 |
| Net loans and leases to core deposits | 85.6406% | 2,334 |
| Total domestic deposits to total assets | 79.7986% | 5,898 |
| Equity capital to assets | 10.1814% | 3,875 |
| Core capital (leverage) ratio | 8.3129% | 5,854 |
| Tier 1 risk-based capital ratio | 10.9745% | 6,551 |
| Total risk-based capital ratio | 12.2305% | 6,534 |
| Memoranda: |
| Average total assets | $5,653,067,500 | 162 |
| Average earning assets | $5,139,349,000 | 159 |
| Average equity | $582,867,500 | 174 |
| Average total loans | $3,809,435,000 | 153 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8698% | 3,499 |
| Cost of funding earning assets | 0.7649% | 5,097 |
| Net interest margin | 4.1049% | 2,407 |
| Noninterest income to average assets | 1.0352% | 1,271 |
| Noninterest expense to average assets | 2.8859% | 4,017 |
| Loan and lease loss provision to assets | 0.3836% | 2,692 |
| Net operating income to assets | 1.1015% | 1,828 |
| Return on assets (ROA) | 1.1039% | 1,933 |
| Pretax return on assets | 1.5047% | 1,453 |
| Return on Equity (ROE) | 10.4404% | 1,893 |
| Retained earnings to average equity (ytd only) | 0.9240% | 5,430 |
| Net charge-offs to loans | 0.5605% | 2,777 |
| Credit loss provision to net charge-offs | 100.4846% | 3,476 |
| Earnings coverage of net charge-offs (x) | 4.9381% | 2,936 |
| Efficiency ratio | 60.0957% | 5,740 |
| Assets per employee ($millions) | 5.2390% | 1,898 |
| Cash dividends to net income (ytd only)* | 91.1498% | 500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8771% | 2,641 |
| Loan loss allowance to noncurrent loans | 171.9596% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 5,066 |
| Noncurrent loans to loans | 1.0916% | 4,528 |
| Net loans and leases to total assets | 67.0837% | 2,566 |
| Net loans and leases to deposits | 85.1062% | 1,791 |
| Net loans and leases to core deposits | 89.2846% | 2,222 |
| Total domestic deposits to total assets | 78.8234% | 6,029 |
| Equity capital to assets | 10.4442% | 3,590 |
| Core capital (leverage) ratio | 8.3497% | 5,780 |
| Tier 1 risk-based capital ratio | 11.0284% | 6,442 |
| Total risk-based capital ratio | 12.2846% | 6,421 |
| Memoranda: |
| Average total assets | $5,406,406,800 | 160 |
| Average earning assets | $4,920,096,600 | 156 |
| Average equity | $571,647,000 | 175 |
| Average total loans | $3,681,962,200 | 154 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9009% | 3,550 |
| Cost of funding earning assets | 0.7809% | 5,272 |
| Net interest margin | 4.1200% | 2,393 |
| Noninterest income to average assets | 1.0404% | 1,247 |
| Noninterest expense to average assets | 2.8783% | 4,023 |
| Loan and lease loss provision to assets | 0.3765% | 2,596 |
| Net operating income to assets | 1.1071% | 1,941 |
| Return on assets (ROA) | 1.1094% | 2,074 |
| Pretax return on assets | 1.5427% | 1,540 |
| Return on Equity (ROE) | 10.4595% | 2,049 |
| Retained earnings to average equity (ytd only) | -0.6392% | 6,095 |
| Net charge-offs to loans | 0.5498% | 2,591 |
| Credit loss provision to net charge-offs | 100.6640% | 3,342 |
| Earnings coverage of net charge-offs (x) | 5.1222% | 2,869 |
| Efficiency ratio | 59.6397% | 5,777 |
| Assets per employee ($millions) | 5.3184% | 1,793 |
| Cash dividends to net income (ytd only)* | 106.1115% | 253 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9237% | 2,552 |
| Loan loss allowance to noncurrent loans | 161.1121% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 5,115 |
| Noncurrent loans to loans | 1.1940% | 4,545 |
| Net loans and leases to total assets | 66.9087% | 2,691 |
| Net loans and leases to deposits | 84.9145% | 1,854 |
| Net loans and leases to core deposits | 88.7316% | 2,405 |
| Total domestic deposits to total assets | 78.7954% | 6,026 |
| Equity capital to assets | 10.5513% | 3,643 |
| Core capital (leverage) ratio | 8.7786% | 5,298 |
| Tier 1 risk-based capital ratio | 11.4304% | 6,284 |
| Total risk-based capital ratio | 12.6871% | 6,273 |
| Memoranda: |
| Average total assets | $5,368,374,750 | 160 |
| Average earning assets | $4,891,247,750 | 157 |
| Average equity | $569,422,250 | 177 |
| Average total loans | $3,652,402,000 | 154 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9278% | 3,497 |
| Cost of funding earning assets | 0.8047% | 5,335 |
| Net interest margin | 4.1231% | 2,327 |
| Noninterest income to average assets | 1.0341% | 1,240 |
| Noninterest expense to average assets | 2.8956% | 4,038 |
| Loan and lease loss provision to assets | 0.3736% | 2,557 |
| Net operating income to assets | 1.0724% | 1,966 |
| Return on assets (ROA) | 1.0755% | 2,047 |
| Pretax return on assets | 1.5292% | 1,440 |
| Return on Equity (ROE) | 10.1218% | 2,082 |
| Retained earnings to average equity (ytd only) | -1.9544% | 6,244 |
| Net charge-offs to loans | 0.5909% | 2,343 |
| Credit loss provision to net charge-offs | 93.0142% | 3,378 |
| Earnings coverage of net charge-offs (x) | 4.7266% | 2,795 |
| Efficiency ratio | 60.0028% | 5,876 |
| Assets per employee ($millions) | 5.1256% | 1,962 |
| Cash dividends to net income (ytd only)* | 119.3085% | 303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9234% | 2,594 |
| Loan loss allowance to noncurrent loans | 169.2334% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 5,271 |
| Noncurrent loans to loans | 1.1365% | 4,761 |
| Net loans and leases to total assets | 67.8790% | 2,645 |
| Net loans and leases to deposits | 86.9917% | 1,648 |
| Net loans and leases to core deposits | 91.5669% | 2,193 |
| Total domestic deposits to total assets | 78.0292% | 6,285 |
| Equity capital to assets | 10.7026% | 3,284 |
| Core capital (leverage) ratio | 8.6470% | 5,309 |
| Tier 1 risk-based capital ratio | 11.5879% | 6,101 |
| Total risk-based capital ratio | 12.8448% | 6,086 |
| Memoranda: |
| Average total assets | $5,346,032,670 | 163 |
| Average earning assets | $4,875,035,670 | 159 |
| Average equity | $568,060,670 | 178 |
| Average total loans | $3,633,839,330 | 156 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8899% | 3,646 |
| Cost of funding earning assets | 0.8094% | 5,527 |
| Net interest margin | 4.0805% | 2,346 |
| Noninterest income to average assets | 1.0125% | 1,292 |
| Noninterest expense to average assets | 2.9594% | 3,821 |
| Loan and lease loss provision to assets | 0.2953% | 2,796 |
| Net operating income to assets | 1.0427% | 2,027 |
| Return on assets (ROA) | 1.0441% | 2,078 |
| Pretax return on assets | 1.4845% | 1,489 |
| Return on Equity (ROE) | 9.8609% | 2,148 |
| Retained earnings to average equity (ytd only) | 2.8279% | 4,471 |
| Net charge-offs to loans | 0.5820% | 2,032 |
| Credit loss provision to net charge-offs | 75.3086% | 3,249 |
| Earnings coverage of net charge-offs (x) | 4.5345% | 2,454 |
| Efficiency ratio | 62.0693% | 5,670 |
| Assets per employee ($millions) | 5.2721% | 1,798 |
| Cash dividends to net income (ytd only)* | 71.3216% | 994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9282% | 2,602 |
| Loan loss allowance to noncurrent loans | 143.6075% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 5,087 |
| Noncurrent loans to loans | 1.3427% | 4,468 |
| Net loans and leases to total assets | 65.3777% | 3,157 |
| Net loans and leases to deposits | 83.1835% | 2,161 |
| Net loans and leases to core deposits | 88.1404% | 2,577 |
| Total domestic deposits to total assets | 78.5946% | 6,276 |
| Equity capital to assets | 10.4757% | 3,203 |
| Core capital (leverage) ratio | 8.8432% | 4,869 |
| Tier 1 risk-based capital ratio | 12.0164% | 5,678 |
| Total risk-based capital ratio | 13.2735% | 5,663 |
| Memoranda: |
| Average total assets | $5,371,666,000 | 161 |
| Average earning assets | $4,903,193,500 | 158 |
| Average equity | $568,752,000 | 177 |
| Average total loans | $3,618,500,500 | 156 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1907% | 3,653 |
| Cost of funding earning assets | 0.9983% | 5,703 |
| Net interest margin | 4.1924% | 2,216 |
| Noninterest income to average assets | 1.0378% | 1,393 |
| Noninterest expense to average assets | 2.9079% | 4,193 |
| Loan and lease loss provision to assets | 0.5513% | 2,930 |
| Net operating income to assets | 1.0215% | 1,963 |
| Return on assets (ROA) | 1.0415% | 2,005 |
| Pretax return on assets | 1.4166% | 1,616 |
| Return on Equity (ROE) | 10.1976% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.0245% | 973 |
| Net charge-offs to loans | 0.6917% | 2,931 |
| Credit loss provision to net charge-offs | 118.6428% | 3,579 |
| Earnings coverage of net charge-offs (x) | 4.1768% | 3,033 |
| Efficiency ratio | 59.5599% | 6,113 |
| Assets per employee ($millions) | 5.1035% | 2,010 |
| Cash dividends to net income (ytd only)* | 21.3098% | 3,399 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9732% | 2,373 |
| Loan loss allowance to noncurrent loans | 159.0329% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 5,288 |
| Noncurrent loans to loans | 1.2408% | 4,646 |
| Net loans and leases to total assets | 66.7373% | 3,291 |
| Net loans and leases to deposits | 85.2740% | 2,228 |
| Net loans and leases to core deposits | 90.3363% | 2,722 |
| Total domestic deposits to total assets | 78.2621% | 6,264 |
| Equity capital to assets | 10.7032% | 2,954 |
| Core capital (leverage) ratio | 8.6718% | 5,068 |
| Tier 1 risk-based capital ratio | 11.7725% | 5,674 |
| Total risk-based capital ratio | 13.0296% | 5,669 |
| Memoranda: |
| Average total assets | $5,406,818,000 | 161 |
| Average earning assets | $4,914,976,000 | 158 |
| Average equity | $552,206,800 | 178 |
| Average total loans | $3,632,368,000 | 153 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2088% | 3,785 |
| Cost of funding earning assets | 1.0329% | 5,783 |
| Net interest margin | 4.1759% | 2,313 |
| Noninterest income to average assets | 1.0283% | 1,384 |
| Noninterest expense to average assets | 2.8426% | 4,307 |
| Loan and lease loss provision to assets | 0.5674% | 2,666 |
| Net operating income to assets | 1.0228% | 2,166 |
| Return on assets (ROA) | 1.0236% | 2,267 |
| Pretax return on assets | 1.4144% | 1,842 |
| Return on Equity (ROE) | 10.1413% | 2,073 |
| Retained earnings to average equity (ytd only) | 8.1962% | 1,352 |
| Net charge-offs to loans | 0.6523% | 2,801 |
| Credit loss provision to net charge-offs | 129.9208% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.5349% | 3,011 |
| Efficiency ratio | 58.5241% | 6,183 |
| Assets per employee ($millions) | 5.2749% | 1,847 |
| Cash dividends to net income (ytd only)* | 19.1801% | 2,996 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9847% | 2,263 |
| Loan loss allowance to noncurrent loans | 164.8623% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 5,451 |
| Noncurrent loans to loans | 1.2039% | 4,833 |
| Net loans and leases to total assets | 65.2033% | 3,866 |
| Net loans and leases to deposits | 84.1681% | 2,676 |
| Net loans and leases to core deposits | 89.2680% | 3,203 |
| Total domestic deposits to total assets | 77.4680% | 6,376 |
| Equity capital to assets | 10.3883% | 3,658 |
| Core capital (leverage) ratio | 8.5529% | 5,414 |
| Tier 1 risk-based capital ratio | 11.5012% | 5,934 |
| Total risk-based capital ratio | 12.7585% | 5,913 |
| Memoranda: |
| Average total assets | $5,432,886,750 | 159 |
| Average earning assets | $4,937,353,500 | 156 |
| Average equity | $548,372,750 | 176 |
| Average total loans | $3,637,958,500 | 149 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2580% | 3,667 |
| Cost of funding earning assets | 1.0784% | 5,792 |
| Net interest margin | 4.1795% | 2,224 |
| Noninterest income to average assets | 1.0306% | 1,280 |
| Noninterest expense to average assets | 2.8347% | 4,336 |
| Loan and lease loss provision to assets | 0.5744% | 2,478 |
| Net operating income to assets | 1.0070% | 2,166 |
| Return on assets (ROA) | 1.0089% | 2,235 |
| Pretax return on assets | 1.4234% | 1,770 |
| Return on Equity (ROE) | 10.0936% | 2,077 |
| Retained earnings to average equity (ytd only) | 8.6194% | 1,221 |
| Net charge-offs to loans | 0.6501% | 2,596 |
| Credit loss provision to net charge-offs | 131.6643% | 3,058 |
| Earnings coverage of net charge-offs (x) | 4.5733% | 2,909 |
| Efficiency ratio | 58.2803% | 6,336 |
| Assets per employee ($millions) | 5.1964% | 1,930 |
| Cash dividends to net income (ytd only)* | 14.6055% | 3,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9274% | 2,348 |
| Loan loss allowance to noncurrent loans | 179.3642% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 5,612 |
| Noncurrent loans to loans | 1.0746% | 5,168 |
| Net loans and leases to total assets | 66.5759% | 3,716 |
| Net loans and leases to deposits | 86.9561% | 2,347 |
| Net loans and leases to core deposits | 92.1969% | 2,958 |
| Total domestic deposits to total assets | 76.5627% | 6,592 |
| Equity capital to assets | 10.3393% | 3,596 |
| Core capital (leverage) ratio | 8.2192% | 5,908 |
| Tier 1 risk-based capital ratio | 11.1582% | 6,085 |
| Total risk-based capital ratio | 12.4148% | 6,065 |
| Memoranda: |
| Average total assets | $5,429,272,330 | 159 |
| Average earning assets | $4,935,259,000 | 157 |
| Average equity | $542,659,330 | 177 |
| Average total loans | $3,643,489,000 | 148 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2646% | 3,710 |
| Cost of funding earning assets | 1.0999% | 5,913 |
| Net interest margin | 4.1648% | 2,173 |
| Noninterest income to average assets | 1.0159% | 1,250 |
| Noninterest expense to average assets | 2.8339% | 4,350 |
| Loan and lease loss provision to assets | 0.6775% | 1,878 |
| Net operating income to assets | 0.9164% | 2,485 |
| Return on assets (ROA) | 0.9168% | 2,547 |
| Pretax return on assets | 1.2907% | 2,072 |
| Return on Equity (ROE) | 9.3312% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.3312% | 1,311 |
| Net charge-offs to loans | 0.6199% | 2,269 |
| Credit loss provision to net charge-offs | 163.7959% | 2,214 |
| Earnings coverage of net charge-offs (x) | 4.7570% | 2,562 |
| Efficiency ratio | 58.6112% | 6,391 |
| Assets per employee ($millions) | 5.4520% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9285% | 2,365 |
| Loan loss allowance to noncurrent loans | 171.9658% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 5,590 |
| Noncurrent loans to loans | 1.1214% | 5,119 |
| Net loans and leases to total assets | 64.9789% | 4,106 |
| Net loans and leases to deposits | 85.1145% | 2,744 |
| Net loans and leases to core deposits | 92.5802% | 3,031 |
| Total domestic deposits to total assets | 76.3430% | 6,694 |
| Equity capital to assets | 9.8846% | 4,014 |
| Core capital (leverage) ratio | 7.9932% | 6,252 |
| Tier 1 risk-based capital ratio | 10.8278% | 6,316 |
| Total risk-based capital ratio | 12.0843% | 6,290 |
| Memoranda: |
| Average total assets | $5,457,394,000 | 160 |
| Average earning assets | $4,960,485,500 | 159 |
| Average equity | $536,221,000 | 177 |
| Average total loans | $3,641,511,000 | 150 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5548% | 3,841 |
| Cost of funding earning assets | 1.4761% | 5,605 |
| Net interest margin | 4.0787% | 2,540 |
| Noninterest income to average assets | 1.0671% | 1,348 |
| Noninterest expense to average assets | 2.7326% | 5,235 |
| Loan and lease loss provision to assets | 0.6196% | 3,324 |
| Net operating income to assets | 1.0268% | 1,755 |
| Return on assets (ROA) | 1.0268% | 1,800 |
| Pretax return on assets | 1.4322% | 1,357 |
| Return on Equity (ROE) | 11.0060% | 1,423 |
| Retained earnings to average equity (ytd only) | 9.2159% | 465 |
| Net charge-offs to loans | 0.6975% | 3,092 |
| Credit loss provision to net charge-offs | 131.4335% | 3,851 |
| Earnings coverage of net charge-offs (x) | 4.3520% | 2,977 |
| Efficiency ratio | 56.6932% | 6,933 |
| Assets per employee ($millions) | 3.7749% | 4,340 |
| Cash dividends to net income (ytd only)* | 16.2646% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8256% | 2,463 |
| Loan loss allowance to noncurrent loans | 161.2473% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 5,494 |
| Noncurrent loans to loans | 1.1322% | 5,069 |
| Net loans and leases to total assets | 65.9746% | 4,154 |
| Net loans and leases to deposits | 87.0292% | 2,732 |
| Net loans and leases to core deposits | 93.8482% | 4,688 |
| Total domestic deposits to total assets | 75.8074% | 6,715 |
| Equity capital to assets | 9.7659% | 4,044 |
| Core capital (leverage) ratio | 7.7250% | 6,532 |
| Tier 1 risk-based capital ratio | 10.5026% | 6,397 |
| Total risk-based capital ratio | 11.7580% | 6,366 |
| Memoranda: |
| Average total assets | $5,388,977,400 | 160 |
| Average earning assets | $4,911,385,600 | 157 |
| Average equity | $502,772,000 | 184 |
| Average total loans | $3,642,226,000 | 156 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5673% | 4,056 |
| Cost of funding earning assets | 1.5526% | 5,621 |
| Net interest margin | 4.0147% | 2,748 |
| Noninterest income to average assets | 1.0597% | 1,414 |
| Noninterest expense to average assets | 2.7215% | 5,242 |
| Loan and lease loss provision to assets | 0.6134% | 2,939 |
| Net operating income to assets | 0.9623% | 2,186 |
| Return on assets (ROA) | 0.9624% | 2,246 |
| Pretax return on assets | 1.3879% | 1,731 |
| Return on Equity (ROE) | 10.4390% | 1,777 |
| Retained earnings to average equity (ytd only) | 8.0198% | 1,130 |
| Net charge-offs to loans | 0.6834% | 2,647 |
| Credit loss provision to net charge-offs | 132.6065% | 3,771 |
| Earnings coverage of net charge-offs (x) | 4.3262% | 3,176 |
| Efficiency ratio | 57.1995% | 6,845 |
| Assets per employee ($millions) | 3.7749% | 4,242 |
| Cash dividends to net income (ytd only)* | 23.1744% | 3,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7879% | 2,315 |
| Loan loss allowance to noncurrent loans | 165.1046% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 5,569 |
| Noncurrent loans to loans | 1.0829% | 5,140 |
| Net loans and leases to total assets | 65.1489% | 4,615 |
| Net loans and leases to deposits | 85.9633% | 3,323 |
| Net loans and leases to core deposits | 94.4501% | 4,979 |
| Total domestic deposits to total assets | 75.7869% | 6,621 |
| Equity capital to assets | 9.5094% | 4,739 |
| Core capital (leverage) ratio | 7.5262% | 6,939 |
| Tier 1 risk-based capital ratio | 10.1616% | 6,819 |
| Total risk-based capital ratio | 11.4166% | 6,755 |
| Memoranda: |
| Average total assets | $5,380,074,750 | 169 |
| Average earning assets | $4,908,669,500 | 165 |
| Average equity | $496,025,500 | 190 |
| Average total loans | $3,641,432,750 | 165 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6204% | 3,967 |
| Cost of funding earning assets | 1.6054% | 5,721 |
| Net interest margin | 4.0151% | 2,636 |
| Noninterest income to average assets | 1.0330% | 1,490 |
| Noninterest expense to average assets | 2.7677% | 5,100 |
| Loan and lease loss provision to assets | 0.5843% | 2,692 |
| Net operating income to assets | 0.9300% | 2,342 |
| Return on assets (ROA) | 0.9304% | 2,434 |
| Pretax return on assets | 1.3485% | 1,879 |
| Return on Equity (ROE) | 10.2001% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.5160% | 1,786 |
| Net charge-offs to loans | 0.6291% | 2,464 |
| Credit loss provision to net charge-offs | 136.3240% | 3,427 |
| Earnings coverage of net charge-offs (x) | 4.5078% | 3,082 |
| Efficiency ratio | 58.4607% | 6,776 |
| Assets per employee ($millions) | 3.6984% | 4,331 |
| Cash dividends to net income (ytd only)* | 36.1185% | 2,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7190% | 2,275 |
| Loan loss allowance to noncurrent loans | 156.1518% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 5,450 |
| Noncurrent loans to loans | 1.1008% | 5,009 |
| Net loans and leases to total assets | 66.6084% | 4,437 |
| Net loans and leases to deposits | 87.7091% | 3,217 |
| Net loans and leases to core deposits | 96.8720% | 4,805 |
| Total domestic deposits to total assets | 75.9423% | 6,562 |
| Equity capital to assets | 9.2548% | 4,934 |
| Core capital (leverage) ratio | 7.2049% | 7,353 |
| Tier 1 risk-based capital ratio | 9.8230% | 7,108 |
| Total risk-based capital ratio | 11.0774% | 7,046 |
| Memoranda: |
| Average total assets | $5,356,446,330 | 179 |
| Average earning assets | $4,892,114,330 | 172 |
| Average equity | $488,583,670 | 192 |
| Average total loans | $3,649,947,000 | 173 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6765% | 3,915 |
| Cost of funding earning assets | 1.6451% | 5,837 |
| Net interest margin | 4.0315% | 2,531 |
| Noninterest income to average assets | 1.0007% | 1,484 |
| Noninterest expense to average assets | 2.7279% | 4,886 |
| Loan and lease loss provision to assets | 0.4830% | 2,549 |
| Net operating income to assets | 1.0152% | 2,244 |
| Return on assets (ROA) | 1.0152% | 2,387 |
| Pretax return on assets | 1.4715% | 1,750 |
| Return on Equity (ROE) | 11.2129% | 1,909 |
| Retained earnings to average equity (ytd only) | 3.7702% | 3,798 |
| Net charge-offs to loans | 0.6251% | 1,923 |
| Credit loss provision to net charge-offs | 113.0961% | 3,431 |
| Earnings coverage of net charge-offs (x) | 4.5763% | 2,856 |
| Efficiency ratio | 57.8332% | 6,730 |
| Assets per employee ($millions) | 3.7474% | 4,238 |
| Cash dividends to net income (ytd only)* | 66.3766% | 1,346 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6257% | 2,420 |
| Loan loss allowance to noncurrent loans | 222.0471% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 5,913 |
| Noncurrent loans to loans | 0.7321% | 5,599 |
| Net loans and leases to total assets | 66.7418% | 4,400 |
| Net loans and leases to deposits | 87.7104% | 3,336 |
| Net loans and leases to core deposits | 97.9959% | 4,748 |
| Total domestic deposits to total assets | 76.0934% | 6,490 |
| Equity capital to assets | 9.0698% | 5,268 |
| Core capital (leverage) ratio | 7.1158% | 7,542 |
| Tier 1 risk-based capital ratio | 9.6393% | 7,299 |
| Total risk-based capital ratio | 10.8928% | 7,230 |
| Memoranda: |
| Average total assets | $5,342,206,000 | 177 |
| Average earning assets | $4,878,629,500 | 171 |
| Average equity | $483,693,500 | 191 |
| Average total loans | $3,650,147,500 | 177 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1602% | 4,723 |
| Cost of funding earning assets | 2.1655% | 5,752 |
| Net interest margin | 3.9947% | 3,142 |
| Noninterest income to average assets | 1.1287% | 1,226 |
| Noninterest expense to average assets | 2.5812% | 5,712 |
| Loan and lease loss provision to assets | 0.5174% | 2,741 |
| Net operating income to assets | 1.1558% | 1,921 |
| Return on assets (ROA) | 1.1563% | 1,847 |
| Pretax return on assets | 1.6574% | 1,245 |
| Return on Equity (ROE) | 13.1633% | 1,293 |
| Retained earnings to average equity (ytd only) | 3.8676% | 2,721 |
| Net charge-offs to loans | 0.6396% | 1,928 |
| Credit loss provision to net charge-offs | 119.2149% | 4,516 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 3,784 |
| Efficiency ratio | 53.8083% | 7,288 |
| Assets per employee ($millions) | 3.7611% | 4,037 |
| Cash dividends to net income (ytd only)* | 70.6184% | 2,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6037% | 2,226 |
| Loan loss allowance to noncurrent loans | 225.9152% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 5,694 |
| Noncurrent loans to loans | 0.7098% | 5,261 |
| Net loans and leases to total assets | 67.7113% | 4,512 |
| Net loans and leases to deposits | 91.2492% | 3,252 |
| Net loans and leases to core deposits | 102.3980% | 4,568 |
| Total domestic deposits to total assets | 74.2048% | 6,620 |
| Equity capital to assets | 9.0384% | 5,326 |
| Core capital (leverage) ratio | 6.9343% | 7,737 |
| Tier 1 risk-based capital ratio | 9.3836% | 7,427 |
| Total risk-based capital ratio | 10.6370% | 7,352 |
| Memoranda: |
| Average total assets | $5,253,722,000 | 177 |
| Average earning assets | $4,769,708,000 | 173 |
| Average equity | $461,501,800 | 199 |
| Average total loans | $3,564,686,200 | 178 |
