Home > OceanFirst Bank > Performance and Condition Ratios
OceanFirst Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 1,976 |
| Cost of funding earning assets | 1.8954% | 1,074 |
| Net interest margin | 3.1536% | 2,973 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7709% | 4,040 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.8679% | 2,641 |
| Return on assets (ROA) | 0.8637% | 2,632 |
| Pretax return on assets | 1.1372% | 2,297 |
| Return on Equity (ROE) | 7.0000% | 3,286 |
| Retained earnings to average equity (ytd only) | 1.1954% | 3,785 |
| Net charge-offs to loans | 0.0831% | 1,032 |
| Credit loss provision to net charge-offs | 223.0760% | 1,145 |
| Earnings coverage of net charge-offs (x) | 20.2861% | 1,861 |
| Efficiency ratio | 57.1597% | 3,380 |
| Assets per employee ($millions) | 14.8632% | 222 |
| Cash dividends to net income (ytd only)* | 82.9159% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 4,173 |
| Loan loss allowance to noncurrent loans | 226.8678% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 2,121 |
| Noncurrent loans to loans | 0.2899% | 2,137 |
| Net loans and leases to total assets | 75.4800% | 1,176 |
| Net loans and leases to deposits | 96.6668% | 736 |
| Net loans and leases to core deposits | 107.3282% | 1,059 |
| Total domestic deposits to total assets | 78.0800% | 3,717 |
| Equity capital to assets | 12.4079% | 1,006 |
| Core capital (leverage) ratio | 8.8968% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3565% | 2,470 |
| Memoranda: | ||
| Average total assets | $13,334,923,400 | 133 |
| Average earning assets | $11,978,590,800 | 130 |
| Average equity | $1,646,015,600 | 108 |
| Average total loans | $10,082,482,800 | 125 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 1,895 |
| Cost of funding earning assets | 1.7538% | 1,090 |
| Net interest margin | 3.2166% | 2,879 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8012% | 3,972 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.8737% | 2,785 |
| Return on assets (ROA) | 0.8682% | 2,790 |
| Pretax return on assets | 1.1456% | 2,440 |
| Return on Equity (ROE) | 7.0400% | 3,419 |
| Retained earnings to average equity (ytd only) | 1.0697% | 3,939 |
| Net charge-offs to loans | 0.1107% | 718 |
| Credit loss provision to net charge-offs | 184.5094% | 1,174 |
| Earnings coverage of net charge-offs (x) | 15.5241% | 1,960 |
| Efficiency ratio | 57.1445% | 3,296 |
| Assets per employee ($millions) | 14.7973% | 210 |
| Cash dividends to net income (ytd only)* | 84.8113% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 4,229 |
| Loan loss allowance to noncurrent loans | 211.9906% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,133 |
| Noncurrent loans to loans | 0.2974% | 2,171 |
| Net loans and leases to total assets | 75.1800% | 1,213 |
| Net loans and leases to deposits | 94.9796% | 820 |
| Net loans and leases to core deposits | 109.1385% | 906 |
| Total domestic deposits to total assets | 79.1600% | 3,667 |
| Equity capital to assets | 12.3312% | 962 |
| Core capital (leverage) ratio | 8.8027% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8675% | 2,651 |
| Memoranda: | ||
| Average total assets | $13,309,564,750 | 133 |
| Average earning assets | $11,944,503,000 | 131 |
| Average equity | $1,640,727,000 | 111 |
| Average total loans | $10,050,847,500 | 127 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 1,931 |
| Cost of funding earning assets | 1.5520% | 1,158 |
| Net interest margin | 3.2764% | 2,809 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.7906% | 4,015 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9842% | 2,471 |
| Return on assets (ROA) | 0.9759% | 2,492 |
| Pretax return on assets | 1.2907% | 2,107 |
| Return on Equity (ROE) | 7.9200% | 3,253 |
| Retained earnings to average equity (ytd only) | 1.6255% | 3,797 |
| Net charge-offs to loans | 0.0015% | 2,340 |
| Credit loss provision to net charge-offs | 6,636.8421% | 89 |
| Earnings coverage of net charge-offs (x) | 1,192.8289% | 123 |
| Efficiency ratio | 55.7778% | 3,449 |
| Assets per employee ($millions) | 14.1272% | 235 |
| Cash dividends to net income (ytd only)* | 79.4686% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 4,290 |
| Loan loss allowance to noncurrent loans | 271.0726% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 2,367 |
| Noncurrent loans to loans | 0.2258% | 2,359 |
| Net loans and leases to total assets | 74.6900% | 1,207 |
| Net loans and leases to deposits | 98.0504% | 601 |
| Net loans and leases to core deposits | 117.9997% | 569 |
| Total domestic deposits to total assets | 76.1700% | 4,031 |
| Equity capital to assets | 12.2656% | 981 |
| Core capital (leverage) ratio | 8.9229% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7642% | 2,689 |
| Memoranda: | ||
| Average total assets | $13,282,247,000 | 130 |
| Average earning assets | $11,921,290,667 | 129 |
| Average equity | $1,637,189,000 | 108 |
| Average total loans | $10,023,785,667 | 123 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,929 |
| Cost of funding earning assets | 1.2620% | 1,321 |
| Net interest margin | 3.4062% | 2,614 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7709% | 4,073 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0787% | 2,291 |
| Return on assets (ROA) | 1.0620% | 2,314 |
| Pretax return on assets | 1.3986% | 1,883 |
| Return on Equity (ROE) | 8.5900% | 3,158 |
| Retained earnings to average equity (ytd only) | 1.3636% | 3,810 |
| Net charge-offs to loans | -0.0019% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.0139% | 3,706 |
| Assets per employee ($millions) | 14.1409% | 238 |
| Cash dividends to net income (ytd only)* | 84.1343% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 4,359 |
| Loan loss allowance to noncurrent loans | 267.9144% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,333 |
| Noncurrent loans to loans | 0.2236% | 2,370 |
| Net loans and leases to total assets | 74.2800% | 1,166 |
| Net loans and leases to deposits | 99.2682% | 471 |
| Net loans and leases to core deposits | 116.5664% | 521 |
| Total domestic deposits to total assets | 74.8300% | 4,236 |
| Equity capital to assets | 12.1892% | 943 |
| Core capital (leverage) ratio | 8.9999% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6285% | 2,823 |
| Memoranda: | ||
| Average total assets | $13,205,903,000 | 133 |
| Average earning assets | $11,854,213,500 | 134 |
| Average equity | $1,631,842,500 | 110 |
| Average total loans | $9,987,630,000 | 125 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 1,998 |
| Cost of funding earning assets | 0.3963% | 2,137 |
| Net interest margin | 3.4984% | 1,941 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8158% | 4,007 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1819% | 1,853 |
| Return on assets (ROA) | 1.1921% | 1,735 |
| Pretax return on assets | 1.5777% | 1,218 |
| Return on Equity (ROE) | 9.2400% | 3,053 |
| Retained earnings to average equity (ytd only) | 4.8341% | 3,124 |
| Net charge-offs to loans | -0.0036% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.6186% | 4,017 |
| Assets per employee ($millions) | 13.7183% | 262 |
| Cash dividends to net income (ytd only)* | 47.6644% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 4,365 |
| Loan loss allowance to noncurrent loans | 243.8694% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,291 |
| Noncurrent loans to loans | 0.2347% | 2,335 |
| Net loans and leases to total assets | 76.1300% | 993 |
| Net loans and leases to deposits | 101.3568% | 390 |
| Net loans and leases to core deposits | 112.8273% | 524 |
| Total domestic deposits to total assets | 75.1100% | 4,308 |
| Equity capital to assets | 12.5309% | 796 |
| Core capital (leverage) ratio | 9.2039% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6163% | 2,835 |
| Memoranda: | ||
| Average total assets | $12,318,946,200 | 143 |
| Average earning assets | $11,007,403,000 | 142 |
| Average equity | $1,589,947,800 | 120 |
| Average total loans | $9,367,403,200 | 129 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 2,107 |
| Cost of funding earning assets | 0.2768% | 2,418 |
| Net interest margin | 3.4008% | 1,978 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.8329% | 3,917 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1335% | 1,961 |
| Return on assets (ROA) | 1.1485% | 1,870 |
| Pretax return on assets | 1.5164% | 1,369 |
| Return on Equity (ROE) | 8.8300% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.6142% | 3,237 |
| Net charge-offs to loans | -0.0049% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.1437% | 3,901 |
| Assets per employee ($millions) | 13.2725% | 283 |
| Cash dividends to net income (ytd only)* | 47.7441% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 4,429 |
| Loan loss allowance to noncurrent loans | 248.1385% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,423 |
| Noncurrent loans to loans | 0.2217% | 2,504 |
| Net loans and leases to total assets | 77.0600% | 797 |
| Net loans and leases to deposits | 96.5002% | 533 |
| Net loans and leases to core deposits | 106.2551% | 581 |
| Total domestic deposits to total assets | 79.8600% | 4,113 |
| Equity capital to assets | 12.7236% | 727 |
| Core capital (leverage) ratio | 9.2322% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5453% | 2,933 |
| Memoranda: | ||
| Average total assets | $12,157,723,000 | 144 |
| Average earning assets | $10,841,545,000 | 142 |
| Average equity | $1,581,314,750 | 122 |
| Average total loans | $9,227,696,250 | 130 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 2,047 |
| Cost of funding earning assets | 0.1957% | 2,973 |
| Net interest margin | 3.3324% | 1,810 |
| Noninterest income to average assets | 0.3802% | 2,872 |
| Noninterest expense to average assets | 1.8532% | 3,831 |
| Loan and lease loss provision to assets | 0.0516% | 1,656 |
| Net operating income to assets | 1.0989% | 1,772 |
| Return on assets (ROA) | 1.0874% | 1,805 |
| Pretax return on assets | 1.4324% | 1,352 |
| Return on Equity (ROE) | 8.2976% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.4902% | 2,887 |
| Net charge-offs to loans | -0.0018% | 3,118 |
| Credit loss provision to net charge-offs | -3,768.6747% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1062% | 3,958 |
| Assets per employee ($millions) | 13.0015% | 290 |
| Cash dividends to net income (ytd only)* | 45.8849% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5519% | 4,506 |
| Loan loss allowance to noncurrent loans | 250.2211% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,522 |
| Noncurrent loans to loans | 0.2206% | 2,617 |
| Net loans and leases to total assets | 75.9484% | 733 |
| Net loans and leases to deposits | 94.6615% | 488 |
| Net loans and leases to core deposits | 104.9961% | 480 |
| Total domestic deposits to total assets | 80.2316% | 4,207 |
| Equity capital to assets | 12.8355% | 693 |
| Core capital (leverage) ratio | 9.2640% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6032% | 2,909 |
| Memoranda: | ||
| Average total assets | $12,025,043,333 | 141 |
| Average earning assets | $10,722,865,000 | 145 |
| Average equity | $1,575,906,333 | 122 |
| Average total loans | $9,060,409,000 | 130 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 2,057 |
| Cost of funding earning assets | 0.1604% | 3,365 |
| Net interest margin | 3.2502% | 1,718 |
| Noninterest income to average assets | 0.3954% | 2,720 |
| Noninterest expense to average assets | 1.9168% | 3,644 |
| Loan and lease loss provision to assets | 0.0624% | 1,295 |
| Net operating income to assets | 1.0042% | 1,870 |
| Return on assets (ROA) | 0.9873% | 1,925 |
| Pretax return on assets | 1.2983% | 1,512 |
| Return on Equity (ROE) | 7.4538% | 2,887 |
| Retained earnings to average equity (ytd only) | 2.3620% | 3,443 |
| Net charge-offs to loans | -0.0041% | 3,284 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8666% | 3,804 |
| Assets per employee ($millions) | 12.6979% | 332 |
| Cash dividends to net income (ytd only)* | 68.3107% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5550% | 4,539 |
| Loan loss allowance to noncurrent loans | 187.4972% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,304 |
| Noncurrent loans to loans | 0.2960% | 2,408 |
| Net loans and leases to total assets | 75.0735% | 575 |
| Net loans and leases to deposits | 89.8443% | 518 |
| Net loans and leases to core deposits | 92.6290% | 792 |
| Total domestic deposits to total assets | 83.5596% | 3,853 |
| Equity capital to assets | 13.0076% | 687 |
| Core capital (leverage) ratio | 9.2417% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7291% | 2,947 |
| Memoranda: | ||
| Average total assets | $11,861,869,500 | 144 |
| Average earning assets | $10,596,629,500 | 147 |
| Average equity | $1,571,178,000 | 125 |
| Average total loans | $8,874,239,000 | 134 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3086% | 3,181 |
| Cost of funding earning assets | 0.2543% | 2,874 |
| Net interest margin | 3.0544% | 3,037 |
| Noninterest income to average assets | 0.3883% | 3,113 |
| Noninterest expense to average assets | 1.9561% | 3,803 |
| Loan and lease loss provision to assets | -0.1026% | 4,535 |
| Net operating income to assets | 0.9671% | 2,808 |
| Return on assets (ROA) | 0.9647% | 2,882 |
| Pretax return on assets | 1.2521% | 2,517 |
| Return on Equity (ROE) | 7.2343% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.6341% | 2,953 |
| Net charge-offs to loans | -0.0057% | 3,584 |
| Credit loss provision to net charge-offs | 2,683.6957% | 248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4027% | 2,952 |
| Assets per employee ($millions) | 12.3129% | 367 |
| Cash dividends to net income (ytd only)* | 35.9428% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 4,564 |
| Loan loss allowance to noncurrent loans | 190.8949% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 2,458 |
| Noncurrent loans to loans | 0.2964% | 2,528 |
| Net loans and leases to total assets | 73.6894% | 690 |
| Net loans and leases to deposits | 87.9269% | 655 |
| Net loans and leases to core deposits | 89.2173% | 1,002 |
| Total domestic deposits to total assets | 83.8076% | 3,610 |
| Equity capital to assets | 13.4924% | 768 |
| Core capital (leverage) ratio | 9.0809% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2071% | 2,837 |
| Memoranda: | ||
| Average total assets | $11,536,456,800 | 145 |
| Average earning assets | $10,275,194,800 | 151 |
| Average equity | $1,538,331,000 | 134 |
| Average total loans | $8,080,360,800 | 141 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 3,429 |
| Cost of funding earning assets | 0.2725% | 2,867 |
| Net interest margin | 3.0118% | 3,271 |
| Noninterest income to average assets | 0.3955% | 3,118 |
| Noninterest expense to average assets | 1.8661% | 4,019 |
| Loan and lease loss provision to assets | -0.1189% | 4,643 |
| Net operating income to assets | 1.0012% | 2,901 |
| Return on assets (ROA) | 0.9991% | 2,975 |
| Pretax return on assets | 1.3255% | 2,555 |
| Return on Equity (ROE) | 7.5154% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.9011% | 3,254 |
| Net charge-offs to loans | -0.0074% | 3,563 |
| Credit loss provision to net charge-offs | 2,494.1176% | 286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1291% | 3,109 |
| Assets per employee ($millions) | 11.7270% | 402 |
| Cash dividends to net income (ytd only)* | 34.7858% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6114% | 4,623 |
| Loan loss allowance to noncurrent loans | 165.2651% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 2,470 |
| Noncurrent loans to loans | 0.3699% | 2,456 |
| Net loans and leases to total assets | 69.4573% | 1,134 |
| Net loans and leases to deposits | 83.1545% | 1,017 |
| Net loans and leases to core deposits | 84.5804% | 1,383 |
| Total domestic deposits to total assets | 83.5281% | 3,578 |
| Equity capital to assets | 13.2852% | 909 |
| Core capital (leverage) ratio | 9.1198% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8273% | 2,764 |
| Memoranda: | ||
| Average total assets | $11,508,568,500 | 145 |
| Average earning assets | $10,240,434,500 | 150 |
| Average equity | $1,530,014,250 | 135 |
| Average total loans | $7,942,400,500 | 142 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2928% | 3,449 |
| Cost of funding earning assets | 0.3028% | 2,752 |
| Net interest margin | 2.9900% | 3,349 |
| Noninterest income to average assets | 0.4161% | 3,029 |
| Noninterest expense to average assets | 1.7954% | 4,194 |
| Loan and lease loss provision to assets | -0.1239% | 4,670 |
| Net operating income to assets | 1.0589% | 2,680 |
| Return on assets (ROA) | 1.0563% | 2,770 |
| Pretax return on assets | 1.4030% | 2,330 |
| Return on Equity (ROE) | 7.9437% | 3,422 |
| Retained earnings to average equity (ytd only) | 5.3124% | 3,069 |
| Net charge-offs to loans | -0.0014% | 3,130 |
| Credit loss provision to net charge-offs | 12,570.9091% | 41 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7704% | 3,437 |
| Assets per employee ($millions) | 11.3877% | 415 |
| Cash dividends to net income (ytd only)* | 33.1241% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 4,555 |
| Loan loss allowance to noncurrent loans | 136.4122% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 2,206 |
| Noncurrent loans to loans | 0.5042% | 2,165 |
| Net loans and leases to total assets | 68.1802% | 1,423 |
| Net loans and leases to deposits | 82.2761% | 1,199 |
| Net loans and leases to core deposits | 83.8780% | 1,571 |
| Total domestic deposits to total assets | 82.8675% | 3,736 |
| Equity capital to assets | 13.5189% | 818 |
| Core capital (leverage) ratio | 9.0851% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0236% | 2,712 |
| Memoranda: | ||
| Average total assets | $11,431,857,667 | 144 |
| Average earning assets | $10,176,284,000 | 147 |
| Average equity | $1,520,181,000 | 134 |
| Average total loans | $7,855,353,333 | 144 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 3,401 |
| Cost of funding earning assets | 0.3467% | 2,550 |
| Net interest margin | 2.9746% | 3,324 |
| Noninterest income to average assets | 0.4371% | 2,883 |
| Noninterest expense to average assets | 1.7962% | 4,225 |
| Loan and lease loss provision to assets | -0.0216% | 4,606 |
| Net operating income to assets | 0.9847% | 2,858 |
| Return on assets (ROA) | 0.9793% | 2,967 |
| Pretax return on assets | 1.3024% | 2,562 |
| Return on Equity (ROE) | 7.4262% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.7754% | 3,291 |
| Net charge-offs to loans | -0.0142% | 3,834 |
| Credit loss provision to net charge-offs | 372.0430% | 684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6677% | 3,468 |
| Assets per employee ($millions) | 11.8047% | 365 |
| Cash dividends to net income (ytd only)* | 35.6952% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 4,477 |
| Loan loss allowance to noncurrent loans | 140.2685% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 2,316 |
| Noncurrent loans to loans | 0.5394% | 2,241 |
| Net loans and leases to total assets | 68.1458% | 1,515 |
| Net loans and leases to deposits | 82.4351% | 1,306 |
| Net loans and leases to core deposits | 84.8590% | 1,600 |
| Total domestic deposits to total assets | 82.6660% | 3,768 |
| Equity capital to assets | 13.1541% | 871 |
| Core capital (leverage) ratio | 8.9027% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8532% | 2,722 |
| Memoranda: | ||
| Average total assets | $11,442,538,500 | 145 |
| Average earning assets | $10,180,846,500 | 145 |
| Average equity | $1,508,987,500 | 135 |
| Average total loans | $7,866,243,500 | 143 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 2,522 |
| Cost of funding earning assets | 0.6086% | 2,250 |
| Net interest margin | 3.4592% | 2,603 |
| Noninterest income to average assets | 0.4933% | 2,663 |
| Noninterest expense to average assets | 2.3319% | 3,322 |
| Loan and lease loss provision to assets | 0.5455% | 404 |
| Net operating income to assets | 0.5217% | 3,980 |
| Return on assets (ROA) | 0.5308% | 4,052 |
| Pretax return on assets | 0.6705% | 3,944 |
| Return on Equity (ROE) | 3.9222% | 4,177 |
| Retained earnings to average equity (ytd only) | 0.1595% | 4,475 |
| Net charge-offs to loans | 0.2432% | 709 |
| Credit loss provision to net charge-offs | 304.3854% | 1,716 |
| Earnings coverage of net charge-offs (x) | 6.7724% | 2,750 |
| Efficiency ratio | 64.2925% | 2,769 |
| Assets per employee ($millions) | 11.5128% | 357 |
| Cash dividends to net income (ytd only)* | 95.9335% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 4,466 |
| Loan loss allowance to noncurrent loans | 119.3574% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 2,237 |
| Noncurrent loans to loans | 0.6519% | 2,050 |
| Net loans and leases to total assets | 68.2918% | 1,787 |
| Net loans and leases to deposits | 81.9103% | 1,673 |
| Net loans and leases to core deposits | 85.4911% | 1,910 |
| Total domestic deposits to total assets | 83.3739% | 3,302 |
| Equity capital to assets | 13.2216% | 1,017 |
| Core capital (leverage) ratio | 8.4752% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9105% | 2,665 |
| Memoranda: | ||
| Average total assets | $10,604,105,400 | 143 |
| Average earning assets | $9,328,221,400 | 145 |
| Average equity | $1,435,126,600 | 135 |
| Average total loans | $7,754,395,600 | 139 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 2,420 |
| Cost of funding earning assets | 0.6687% | 2,208 |
| Net interest margin | 3.5225% | 2,513 |
| Noninterest income to average assets | 0.4638% | 2,770 |
| Noninterest expense to average assets | 2.2803% | 3,470 |
| Loan and lease loss provision to assets | 0.6551% | 358 |
| Net operating income to assets | 0.4982% | 4,041 |
| Return on assets (ROA) | 0.5017% | 4,118 |
| Pretax return on assets | 0.6243% | 4,063 |
| Return on Equity (ROE) | 3.6837% | 4,245 |
| Retained earnings to average equity (ytd only) | -1.3899% | 4,651 |
| Net charge-offs to loans | 0.2741% | 571 |
| Credit loss provision to net charge-offs | 314.6142% | 1,718 |
| Earnings coverage of net charge-offs (x) | 6.2614% | 2,661 |
| Efficiency ratio | 62.4579% | 3,000 |
| Assets per employee ($millions) | 11.7623% | 339 |
| Cash dividends to net income (ytd only)* | 137.7305% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 4,620 |
| Loan loss allowance to noncurrent loans | 50.9254% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 1,173 |
| Noncurrent loans to loans | 1.3195% | 1,120 |
| Net loans and leases to total assets | 71.8227% | 1,691 |
| Net loans and leases to deposits | 89.3755% | 1,334 |
| Net loans and leases to core deposits | 94.7489% | 1,572 |
| Total domestic deposits to total assets | 80.3605% | 3,791 |
| Equity capital to assets | 12.7762% | 1,293 |
| Core capital (leverage) ratio | 8.3564% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3743% | 2,825 |
| Memoranda: | ||
| Average total assets | $10,420,111,250 | 144 |
| Average earning assets | $9,145,592,500 | 147 |
| Average equity | $1,419,073,250 | 135 |
| Average total loans | $7,741,724,000 | 139 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 2,119 |
| Cost of funding earning assets | 0.7431% | 2,160 |
| Net interest margin | 3.6908% | 2,196 |
| Noninterest income to average assets | 0.4954% | 2,594 |
| Noninterest expense to average assets | 2.3715% | 3,341 |
| Loan and lease loss provision to assets | 0.3673% | 1,142 |
| Net operating income to assets | 0.7741% | 3,142 |
| Return on assets (ROA) | 0.7789% | 3,229 |
| Pretax return on assets | 0.9932% | 3,055 |
| Return on Equity (ROE) | 5.5859% | 3,637 |
| Retained earnings to average equity (ytd only) | 0.4364% | 4,225 |
| Net charge-offs to loans | 0.0245% | 2,225 |
| Credit loss provision to net charge-offs | 1,871.6612% | 506 |
| Earnings coverage of net charge-offs (x) | 73.7329% | 851 |
| Efficiency ratio | 61.9770% | 3,130 |
| Assets per employee ($millions) | 11.0609% | 379 |
| Cash dividends to net income (ytd only)* | 92.1871% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4587% | 4,869 |
| Loan loss allowance to noncurrent loans | 89.8358% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 2,773 |
| Noncurrent loans to loans | 0.5106% | 2,620 |
| Net loans and leases to total assets | 73.7103% | 1,451 |
| Net loans and leases to deposits | 92.8819% | 1,062 |
| Net loans and leases to core deposits | 98.9156% | 1,336 |
| Total domestic deposits to total assets | 79.3592% | 3,961 |
| Equity capital to assets | 13.2151% | 1,074 |
| Core capital (leverage) ratio | 8.8603% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3321% | 2,878 |
| Memoranda: | ||
| Average total assets | $10,027,619,333 | 148 |
| Average earning assets | $8,776,866,333 | 151 |
| Average equity | $1,398,187,333 | 137 |
| Average total loans | $7,526,949,667 | 141 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8203% | 1,373 |
| Cost of funding earning assets | 0.8364% | 2,192 |
| Net interest margin | 3.9840% | 1,431 |
| Noninterest income to average assets | 0.5798% | 2,133 |
| Noninterest expense to average assets | 2.6863% | 2,744 |
| Loan and lease loss provision to assets | 0.4254% | 710 |
| Net operating income to assets | 0.7488% | 3,097 |
| Return on assets (ROA) | 0.7541% | 3,157 |
| Pretax return on assets | 0.9486% | 3,005 |
| Return on Equity (ROE) | 5.2424% | 3,559 |
| Retained earnings to average equity (ytd only) | -0.0982% | 4,006 |
| Net charge-offs to loans | 0.0651% | 1,371 |
| Credit loss provision to net charge-offs | 754.5927% | 685 |
| Earnings coverage of net charge-offs (x) | 27.7652% | 1,229 |
| Efficiency ratio | 64.6064% | 3,128 |
| Assets per employee ($millions) | 9.7416% | 419 |
| Cash dividends to net income (ytd only)* | 101.8733% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3723% | 4,961 |
| Loan loss allowance to noncurrent loans | 95.0144% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 3,246 |
| Noncurrent loans to loans | 0.3918% | 3,081 |
| Net loans and leases to total assets | 75.5963% | 1,369 |
| Net loans and leases to deposits | 100.0488% | 558 |
| Net loans and leases to core deposits | 104.5850% | 1,148 |
| Total domestic deposits to total assets | 75.5594% | 4,530 |
| Equity capital to assets | 14.2320% | 992 |
| Core capital (leverage) ratio | 9.5287% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1890% | 3,045 |
| Memoranda: | ||
| Average total assets | $9,372,719,500 | 150 |
| Average earning assets | $8,172,888,000 | 154 |
| Average equity | $1,348,154,000 | 138 |
| Average total loans | $7,092,745,000 | 148 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4353% | 3,151 |
| Cost of funding earning assets | 0.6905% | 3,205 |
| Net interest margin | 3.7448% | 2,678 |
| Noninterest income to average assets | 0.5275% | 2,592 |
| Noninterest expense to average assets | 2.3644% | 3,791 |
| Loan and lease loss provision to assets | 0.0204% | 3,611 |
| Net operating income to assets | 1.1606% | 2,215 |
| Return on assets (ROA) | 1.1634% | 2,297 |
| Pretax return on assets | 1.4091% | 2,124 |
| Return on Equity (ROE) | 7.8579% | 3,223 |
| Retained earnings to average equity (ytd only) | 1.1925% | 4,313 |
| Net charge-offs to loans | 0.0228% | 2,953 |
| Credit loss provision to net charge-offs | 120.1909% | 2,107 |
| Earnings coverage of net charge-offs (x) | 83.8333% | 767 |
| Efficiency ratio | 61.0476% | 3,529 |
| Assets per employee ($millions) | 9.3157% | 451 |
| Cash dividends to net income (ytd only)* | 84.8240% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2707% | 5,060 |
| Loan loss allowance to noncurrent loans | 67.1903% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 3,200 |
| Noncurrent loans to loans | 0.4029% | 2,997 |
| Net loans and leases to total assets | 75.2104% | 1,549 |
| Net loans and leases to deposits | 97.7362% | 779 |
| Net loans and leases to core deposits | 100.0209% | 1,560 |
| Total domestic deposits to total assets | 76.9525% | 4,492 |
| Equity capital to assets | 14.5768% | 910 |
| Core capital (leverage) ratio | 10.0272% | 3,488 |
| Tier 1 risk-based capital ratio | 12.9818% | 3,798 |
| Total risk-based capital ratio | 13.2856% | 4,214 |
| Memoranda: | ||
| Average total assets | $8,005,629,600 | 161 |
| Average earning assets | $6,976,083,000 | 162 |
| Average equity | $1,185,230,800 | 147 |
| Average total loans | $5,972,923,000 | 158 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 3,157 |
| Cost of funding earning assets | 0.6855% | 3,282 |
| Net interest margin | 3.7835% | 2,645 |
| Noninterest income to average assets | 0.5183% | 2,618 |
| Noninterest expense to average assets | 2.3788% | 3,747 |
| Loan and lease loss provision to assets | 0.0215% | 3,486 |
| Net operating income to assets | 1.1422% | 2,402 |
| Return on assets (ROA) | 1.1467% | 2,472 |
| Pretax return on assets | 1.4223% | 2,214 |
| Return on Equity (ROE) | 7.7146% | 3,426 |
| Retained earnings to average equity (ytd only) | 3.6495% | 3,579 |
| Net charge-offs to loans | 0.0276% | 2,541 |
| Credit loss provision to net charge-offs | 104.8282% | 2,166 |
| Earnings coverage of net charge-offs (x) | 70.1245% | 947 |
| Efficiency ratio | 60.9879% | 3,473 |
| Assets per employee ($millions) | 9.1392% | 463 |
| Cash dividends to net income (ytd only)* | 52.6932% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2728% | 5,133 |
| Loan loss allowance to noncurrent loans | 54.1290% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 2,980 |
| Noncurrent loans to loans | 0.5039% | 2,785 |
| Net loans and leases to total assets | 74.7744% | 1,684 |
| Net loans and leases to deposits | 97.3792% | 883 |
| Net loans and leases to core deposits | 99.5693% | 1,693 |
| Total domestic deposits to total assets | 76.7869% | 4,544 |
| Equity capital to assets | 14.9997% | 844 |
| Core capital (leverage) ratio | 10.3516% | 3,250 |
| Tier 1 risk-based capital ratio | 13.4665% | 3,590 |
| Total risk-based capital ratio | 13.7733% | 4,007 |
| Memoranda: | ||
| Average total assets | $7,943,599,250 | 163 |
| Average earning assets | $6,926,117,500 | 166 |
| Average equity | $1,180,755,500 | 148 |
| Average total loans | $5,910,020,750 | 159 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 2,975 |
| Cost of funding earning assets | 0.6770% | 3,290 |
| Net interest margin | 3.8365% | 2,451 |
| Noninterest income to average assets | 0.4889% | 2,738 |
| Noninterest expense to average assets | 2.4915% | 3,507 |
| Loan and lease loss provision to assets | 0.0248% | 3,311 |
| Net operating income to assets | 1.0708% | 2,647 |
| Return on assets (ROA) | 1.0758% | 2,689 |
| Pretax return on assets | 1.3263% | 2,456 |
| Return on Equity (ROE) | 7.2600% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.1492% | 3,644 |
| Net charge-offs to loans | 0.0485% | 1,949 |
| Credit loss provision to net charge-offs | 68.8293% | 2,327 |
| Earnings coverage of net charge-offs (x) | 37.3717% | 1,293 |
| Efficiency ratio | 63.6064% | 3,198 |
| Assets per employee ($millions) | 9.1879% | 434 |
| Cash dividends to net income (ytd only)* | 56.6225% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2707% | 5,194 |
| Loan loss allowance to noncurrent loans | 51.6684% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 2,904 |
| Noncurrent loans to loans | 0.5240% | 2,707 |
| Net loans and leases to total assets | 74.0192% | 1,888 |
| Net loans and leases to deposits | 95.6231% | 1,080 |
| Net loans and leases to core deposits | 97.7183% | 1,902 |
| Total domestic deposits to total assets | 77.4073% | 4,504 |
| Equity capital to assets | 15.0047% | 808 |
| Core capital (leverage) ratio | 10.1476% | 3,447 |
| Tier 1 risk-based capital ratio | 13.5364% | 3,565 |
| Total risk-based capital ratio | 13.8423% | 3,969 |
| Memoranda: | ||
| Average total assets | $7,880,179,000 | 164 |
| Average earning assets | $6,875,896,670 | 167 |
| Average equity | $1,167,655,330 | 149 |
| Average total loans | $5,847,133,000 | 160 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 2,907 |
| Cost of funding earning assets | 0.6373% | 3,366 |
| Net interest margin | 3.8531% | 2,333 |
| Noninterest income to average assets | 0.4847% | 2,647 |
| Noninterest expense to average assets | 2.4250% | 3,702 |
| Loan and lease loss provision to assets | 0.0318% | 2,989 |
| Net operating income to assets | 1.1315% | 2,343 |
| Return on assets (ROA) | 1.1360% | 2,373 |
| Pretax return on assets | 1.4023% | 2,074 |
| Return on Equity (ROE) | 7.7165% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.5390% | 3,497 |
| Net charge-offs to loans | 0.0340% | 1,783 |
| Credit loss provision to net charge-offs | 126.0163% | 1,378 |
| Earnings coverage of net charge-offs (x) | 56.6545% | 948 |
| Efficiency ratio | 61.5930% | 3,594 |
| Assets per employee ($millions) | 8.9326% | 492 |
| Cash dividends to net income (ytd only)* | 54.1370% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2791% | 5,253 |
| Loan loss allowance to noncurrent loans | 44.9047% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,692 |
| Noncurrent loans to loans | 0.6215% | 2,464 |
| Net loans and leases to total assets | 73.7535% | 1,854 |
| Net loans and leases to deposits | 94.4691% | 1,117 |
| Net loans and leases to core deposits | 96.6409% | 1,887 |
| Total domestic deposits to total assets | 78.0716% | 4,501 |
| Equity capital to assets | 14.7482% | 806 |
| Core capital (leverage) ratio | 10.2993% | 3,276 |
| Tier 1 risk-based capital ratio | 13.2056% | 3,770 |
| Total risk-based capital ratio | 13.5849% | 4,142 |
| Memoranda: | ||
| Average total assets | $7,805,143,000 | 167 |
| Average earning assets | $6,824,136,000 | 169 |
| Average equity | $1,149,025,500 | 149 |
| Average total loans | $5,790,667,000 | 162 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4327% | 2,657 |
| Cost of funding earning assets | 0.5115% | 3,280 |
| Net interest margin | 3.9213% | 2,256 |
| Noninterest income to average assets | 0.5742% | 2,425 |
| Noninterest expense to average assets | 2.6955% | 3,037 |
| Loan and lease loss provision to assets | 0.0488% | 3,207 |
| Net operating income to assets | 1.0611% | 2,756 |
| Return on assets (ROA) | 1.0617% | 2,736 |
| Pretax return on assets | 1.2632% | 2,641 |
| Return on Equity (ROE) | 7.6931% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.4491% | 3,083 |
| Net charge-offs to loans | 0.0504% | 2,432 |
| Credit loss provision to net charge-offs | 132.4981% | 2,003 |
| Earnings coverage of net charge-offs (x) | 35.5828% | 1,430 |
| Efficiency ratio | 65.9427% | 2,884 |
| Assets per employee ($millions) | 8.8439% | 497 |
| Cash dividends to net income (ytd only)* | 42.1680% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2962% | 5,283 |
| Loan loss allowance to noncurrent loans | 62.9921% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 3,077 |
| Noncurrent loans to loans | 0.4703% | 2,867 |
| Net loans and leases to total assets | 74.2180% | 1,904 |
| Net loans and leases to deposits | 95.5713% | 1,112 |
| Net loans and leases to core deposits | 97.5226% | 1,907 |
| Total domestic deposits to total assets | 77.6572% | 4,540 |
| Equity capital to assets | 14.6925% | 786 |
| Core capital (leverage) ratio | 10.0136% | 3,557 |
| Tier 1 risk-based capital ratio | 13.3860% | 3,614 |
| Total risk-based capital ratio | 13.7162% | 4,025 |
| Memoranda: | ||
| Average total assets | $7,147,521,200 | 176 |
| Average earning assets | $6,256,902,200 | 176 |
| Average equity | $986,425,800 | 162 |
| Average total loans | $5,228,090,600 | 169 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,559 |
| Cost of funding earning assets | 0.4884% | 3,269 |
| Net interest margin | 3.9344% | 2,177 |
| Noninterest income to average assets | 0.5794% | 2,422 |
| Noninterest expense to average assets | 2.8799% | 2,369 |
| Loan and lease loss provision to assets | 0.0564% | 2,846 |
| Net operating income to assets | 0.9011% | 3,527 |
| Return on assets (ROA) | 0.9006% | 3,533 |
| Pretax return on assets | 1.0865% | 3,448 |
| Return on Equity (ROE) | 6.6395% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.2955% | 4,106 |
| Net charge-offs to loans | 0.0489% | 2,128 |
| Credit loss provision to net charge-offs | 158.3864% | 1,636 |
| Earnings coverage of net charge-offs (x) | 32.1167% | 1,550 |
| Efficiency ratio | 70.2500% | 2,156 |
| Assets per employee ($millions) | 8.8794% | 466 |
| Cash dividends to net income (ytd only)* | 50.3651% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3025% | 5,353 |
| Loan loss allowance to noncurrent loans | 58.1257% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 2,832 |
| Noncurrent loans to loans | 0.5203% | 2,827 |
| Net loans and leases to total assets | 73.2914% | 2,115 |
| Net loans and leases to deposits | 94.2418% | 1,356 |
| Net loans and leases to core deposits | 96.0640% | 2,111 |
| Total domestic deposits to total assets | 77.7695% | 4,518 |
| Equity capital to assets | 14.3138% | 876 |
| Core capital (leverage) ratio | 9.5815% | 4,081 |
| Tier 1 risk-based capital ratio | 13.1703% | 3,803 |
| Total risk-based capital ratio | 13.5120% | 4,227 |
| Memoranda: | ||
| Average total assets | $7,055,065,250 | 176 |
| Average earning assets | $6,175,600,500 | 177 |
| Average equity | $956,911,000 | 164 |
| Average total loans | $5,136,163,750 | 170 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 2,375 |
| Cost of funding earning assets | 0.4593% | 3,291 |
| Net interest margin | 3.9520% | 2,027 |
| Noninterest income to average assets | 0.5848% | 2,407 |
| Noninterest expense to average assets | 3.2080% | 1,518 |
| Loan and lease loss provision to assets | 0.0603% | 2,695 |
| Net operating income to assets | 0.6543% | 4,335 |
| Return on assets (ROA) | 0.6552% | 4,340 |
| Pretax return on assets | 0.7827% | 4,300 |
| Return on Equity (ROE) | 4.9303% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.4327% | 4,657 |
| Net charge-offs to loans | 0.0443% | 1,980 |
| Credit loss provision to net charge-offs | 187.6242% | 1,359 |
| Earnings coverage of net charge-offs (x) | 26.1843% | 1,608 |
| Efficiency ratio | 77.8941% | 1,210 |
| Assets per employee ($millions) | 8.8932% | 466 |
| Cash dividends to net income (ytd only)* | 70.9409% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2996% | 5,417 |
| Loan loss allowance to noncurrent loans | 53.6671% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 2,745 |
| Noncurrent loans to loans | 0.5583% | 2,742 |
| Net loans and leases to total assets | 71.7012% | 2,327 |
| Net loans and leases to deposits | 94.9040% | 1,257 |
| Net loans and leases to core deposits | 96.6983% | 2,000 |
| Total domestic deposits to total assets | 75.5513% | 4,898 |
| Equity capital to assets | 13.7497% | 1,011 |
| Core capital (leverage) ratio | 9.3526% | 4,295 |
| Tier 1 risk-based capital ratio | 12.6037% | 4,126 |
| Total risk-based capital ratio | 12.9379% | 4,572 |
| Memoranda: | ||
| Average total assets | $6,884,997,330 | 181 |
| Average earning assets | $6,036,873,670 | 177 |
| Average equity | $914,921,670 | 167 |
| Average total loans | $4,994,381,000 | 170 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 2,096 |
| Cost of funding earning assets | 0.4433% | 3,261 |
| Net interest margin | 3.9856% | 1,771 |
| Noninterest income to average assets | 0.6051% | 2,233 |
| Noninterest expense to average assets | 3.5764% | 893 |
| Loan and lease loss provision to assets | 0.0850% | 2,103 |
| Net operating income to assets | 0.3806% | 4,965 |
| Return on assets (ROA) | 0.3734% | 4,984 |
| Pretax return on assets | 0.4452% | 4,968 |
| Return on Equity (ROE) | 2.8695% | 5,050 |
| Retained earnings to average equity (ytd only) | -0.9406% | 4,908 |
| Net charge-offs to loans | 0.0234% | 2,037 |
| Credit loss provision to net charge-offs | 498.5455% | 606 |
| Earnings coverage of net charge-offs (x) | 31.6109% | 1,210 |
| Efficiency ratio | 85.6558% | 670 |
| Assets per employee ($millions) | 8.0325% | 619 |
| Cash dividends to net income (ytd only)* | 132.7801% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3097% | 5,483 |
| Loan loss allowance to noncurrent loans | 51.5811% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,704 |
| Noncurrent loans to loans | 0.6003% | 2,744 |
| Net loans and leases to total assets | 72.2407% | 2,128 |
| Net loans and leases to deposits | 91.3060% | 1,523 |
| Net loans and leases to core deposits | 93.0571% | 2,209 |
| Total domestic deposits to total assets | 79.1193% | 4,563 |
| Equity capital to assets | 14.1681% | 848 |
| Core capital (leverage) ratio | 10.9837% | 2,457 |
| Tier 1 risk-based capital ratio | 13.4976% | 3,651 |
| Total risk-based capital ratio | 13.8351% | 4,095 |
| Memoranda: | ||
| Average total assets | $6,454,511,000 | 183 |
| Average earning assets | $5,684,309,000 | 187 |
| Average equity | $839,860,000 | 177 |
| Average total loans | $4,706,249,500 | 179 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,430 |
| Cost of funding earning assets | 0.3716% | 3,503 |
| Net interest margin | 3.6199% | 3,103 |
| Noninterest income to average assets | 0.6147% | 2,381 |
| Noninterest expense to average assets | 2.4902% | 3,816 |
| Loan and lease loss provision to assets | 0.0841% | 2,526 |
| Net operating income to assets | 0.8379% | 2,998 |
| Return on assets (ROA) | 0.8379% | 3,038 |
| Pretax return on assets | 1.2888% | 2,395 |
| Return on Equity (ROE) | 7.2333% | 3,159 |
| Retained earnings to average equity (ytd only) | 2.0055% | 4,117 |
| Net charge-offs to loans | 0.1006% | 2,067 |
| Credit loss provision to net charge-offs | 113.7702% | 2,300 |
| Earnings coverage of net charge-offs (x) | 18.5680% | 2,072 |
| Efficiency ratio | 63.4623% | 3,685 |
| Assets per employee ($millions) | 8.3949% | 554 |
| Cash dividends to net income (ytd only)* | 72.2739% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3948% | 5,492 |
| Loan loss allowance to noncurrent loans | 69.6328% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,646 |
| Noncurrent loans to loans | 0.5670% | 2,800 |
| Net loans and leases to total assets | 73.2453% | 2,057 |
| Net loans and leases to deposits | 90.8943% | 1,664 |
| Net loans and leases to core deposits | 92.5776% | 2,320 |
| Total domestic deposits to total assets | 80.5829% | 4,222 |
| Equity capital to assets | 11.4119% | 2,268 |
| Core capital (leverage) ratio | 8.7535% | 4,901 |
| Tier 1 risk-based capital ratio | 12.4088% | 4,261 |
| Total risk-based capital ratio | 12.8508% | 4,677 |
| Memoranda: | ||
| Average total assets | $5,284,121,000 | 203 |
| Average earning assets | $4,741,791,600 | 200 |
| Average equity | $612,116,400 | 196 |
| Average total loans | $3,883,301,600 | 193 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,383 |
| Cost of funding earning assets | 0.3594% | 3,578 |
| Net interest margin | 3.6332% | 3,027 |
| Noninterest income to average assets | 0.6119% | 2,413 |
| Noninterest expense to average assets | 2.5944% | 3,424 |
| Loan and lease loss provision to assets | 0.0769% | 2,537 |
| Net operating income to assets | 0.8585% | 3,236 |
| Return on assets (ROA) | 0.8585% | 3,285 |
| Pretax return on assets | 1.2047% | 2,885 |
| Return on Equity (ROE) | 7.3826% | 3,457 |
| Retained earnings to average equity (ytd only) | 2.1425% | 4,578 |
| Net charge-offs to loans | 0.0563% | 2,329 |
| Credit loss provision to net charge-offs | 186.0037% | 1,430 |
| Earnings coverage of net charge-offs (x) | 30.9883% | 1,527 |
| Efficiency ratio | 66.9339% | 3,058 |
| Assets per employee ($millions) | 8.4369% | 531 |
| Cash dividends to net income (ytd only)* | 70.9786% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 5,539 |
| Loan loss allowance to noncurrent loans | 82.9739% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 2,893 |
| Noncurrent loans to loans | 0.5142% | 3,162 |
| Net loans and leases to total assets | 71.7922% | 2,282 |
| Net loans and leases to deposits | 88.4407% | 1,995 |
| Net loans and leases to core deposits | 90.1516% | 2,598 |
| Total domestic deposits to total assets | 81.1754% | 4,002 |
| Equity capital to assets | 11.4082% | 2,457 |
| Core capital (leverage) ratio | 8.9068% | 4,855 |
| Tier 1 risk-based capital ratio | 12.8189% | 4,129 |
| Total risk-based capital ratio | 13.2977% | 4,472 |
| Memoranda: | ||
| Average total assets | $5,251,475,750 | 207 |
| Average earning assets | $4,718,025,250 | 204 |
| Average equity | $610,666,000 | 197 |
| Average total loans | $3,858,693,000 | 197 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,245 |
| Cost of funding earning assets | 0.3527% | 3,553 |
| Net interest margin | 3.6361% | 2,887 |
| Noninterest income to average assets | 0.5911% | 2,504 |
| Noninterest expense to average assets | 2.6883% | 3,128 |
| Loan and lease loss provision to assets | 0.0717% | 2,537 |
| Net operating income to assets | 0.8006% | 3,399 |
| Return on assets (ROA) | 0.8006% | 3,458 |
| Pretax return on assets | 1.0946% | 3,204 |
| Return on Equity (ROE) | 6.8397% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.2133% | 3,200 |
| Net charge-offs to loans | 0.0255% | 2,702 |
| Credit loss provision to net charge-offs | 379.8371% | 815 |
| Earnings coverage of net charge-offs (x) | 61.8167% | 931 |
| Efficiency ratio | 69.7430% | 2,714 |
| Assets per employee ($millions) | 7.8863% | 646 |
| Cash dividends to net income (ytd only)* | 38.3988% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4261% | 5,590 |
| Loan loss allowance to noncurrent loans | 77.9887% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 2,833 |
| Noncurrent loans to loans | 0.5464% | 3,105 |
| Net loans and leases to total assets | 74.2205% | 1,825 |
| Net loans and leases to deposits | 92.1439% | 1,470 |
| Net loans and leases to core deposits | 93.6076% | 2,192 |
| Total domestic deposits to total assets | 80.5484% | 4,299 |
| Equity capital to assets | 11.8402% | 2,050 |
| Core capital (leverage) ratio | 9.0990% | 4,617 |
| Tier 1 risk-based capital ratio | 12.9511% | 4,031 |
| Total risk-based capital ratio | 13.4338% | 4,384 |
| Memoranda: | ||
| Average total assets | $5,204,906,330 | 209 |
| Average earning assets | $4,671,483,330 | 206 |
| Average equity | $609,208,670 | 201 |
| Average total loans | $3,849,247,000 | 197 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 3,185 |
| Cost of funding earning assets | 0.3368% | 3,673 |
| Net interest margin | 3.6187% | 2,824 |
| Noninterest income to average assets | 0.5528% | 2,647 |
| Noninterest expense to average assets | 2.4566% | 3,944 |
| Loan and lease loss provision to assets | 0.0538% | 2,724 |
| Net operating income to assets | 0.9730% | 2,423 |
| Return on assets (ROA) | 0.9730% | 2,476 |
| Pretax return on assets | 1.2914% | 2,267 |
| Return on Equity (ROE) | 8.3614% | 2,738 |
| Retained earnings to average equity (ytd only) | 3.0740% | 3,873 |
| Net charge-offs to loans | -0.0280% | 4,900 |
| Credit loss provision to net charge-offs | -261.1940% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6168% | 3,722 |
| Assets per employee ($millions) | 7.3720% | 798 |
| Cash dividends to net income (ytd only)* | 63.2361% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 5,669 |
| Loan loss allowance to noncurrent loans | 56.0857% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 2,494 |
| Noncurrent loans to loans | 0.7495% | 2,618 |
| Net loans and leases to total assets | 73.4050% | 1,835 |
| Net loans and leases to deposits | 90.7373% | 1,460 |
| Net loans and leases to core deposits | 92.2690% | 2,137 |
| Total domestic deposits to total assets | 80.8983% | 4,434 |
| Equity capital to assets | 11.6679% | 2,066 |
| Core capital (leverage) ratio | 8.9051% | 4,836 |
| Tier 1 risk-based capital ratio | 12.6786% | 4,278 |
| Total risk-based capital ratio | 13.1492% | 4,684 |
| Memoranda: | ||
| Average total assets | $5,200,953,500 | 206 |
| Average earning assets | $4,669,570,000 | 207 |
| Average equity | $605,210,500 | 199 |
| Average total loans | $3,831,105,500 | 196 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 3,375 |
| Cost of funding earning assets | 0.3747% | 3,270 |
| Net interest margin | 3.5778% | 3,153 |
| Noninterest income to average assets | 0.7046% | 2,152 |
| Noninterest expense to average assets | 2.8871% | 2,721 |
| Loan and lease loss provision to assets | 0.0706% | 2,947 |
| Net operating income to assets | 0.6596% | 3,954 |
| Return on assets (ROA) | 0.6594% | 4,072 |
| Pretax return on assets | 1.0074% | 3,449 |
| Return on Equity (ROE) | 6.4038% | 3,790 |
| Retained earnings to average equity (ytd only) | 5.3586% | 2,099 |
| Net charge-offs to loans | 0.1482% | 1,783 |
| Credit loss provision to net charge-offs | 63.0226% | 3,203 |
| Earnings coverage of net charge-offs (x) | 9.6293% | 2,735 |
| Efficiency ratio | 72.8085% | 2,458 |
| Assets per employee ($millions) | 6.9757% | 936 |
| Cash dividends to net income (ytd only)* | 16.3205% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3974% | 5,737 |
| Loan loss allowance to noncurrent loans | 71.8144% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 2,940 |
| Noncurrent loans to loans | 0.5534% | 3,185 |
| Net loans and leases to total assets | 73.3156% | 1,958 |
| Net loans and leases to deposits | 90.1706% | 1,663 |
| Net loans and leases to core deposits | 91.6023% | 2,336 |
| Total domestic deposits to total assets | 81.3076% | 4,258 |
| Equity capital to assets | 11.5118% | 2,164 |
| Core capital (leverage) ratio | 10.0777% | 3,394 |
| Tier 1 risk-based capital ratio | 12.6740% | 4,277 |
| Total risk-based capital ratio | 13.1237% | 4,701 |
| Memoranda: | ||
| Average total assets | $3,716,942,600 | 256 |
| Average earning assets | $3,387,458,200 | 254 |
| Average equity | $382,727,600 | 263 |
| Average total loans | $2,808,983,200 | 238 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 2,969 |
| Cost of funding earning assets | 0.3917% | 3,108 |
| Net interest margin | 3.6834% | 2,782 |
| Noninterest income to average assets | 0.7424% | 1,997 |
| Noninterest expense to average assets | 2.9412% | 2,495 |
| Loan and lease loss provision to assets | 0.0841% | 2,536 |
| Net operating income to assets | 0.7117% | 3,782 |
| Return on assets (ROA) | 0.7114% | 3,921 |
| Pretax return on assets | 1.0949% | 3,251 |
| Return on Equity (ROE) | 7.2401% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.6193% | 2,422 |
| Net charge-offs to loans | 0.1679% | 1,364 |
| Credit loss provision to net charge-offs | 65.6619% | 2,849 |
| Earnings coverage of net charge-offs (x) | 9.2054% | 2,694 |
| Efficiency ratio | 71.3771% | 2,670 |
| Assets per employee ($millions) | 6.9851% | 896 |
| Cash dividends to net income (ytd only)* | 22.3864% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5094% | 5,721 |
| Loan loss allowance to noncurrent loans | 83.9714% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 2,908 |
| Noncurrent loans to loans | 0.6066% | 3,197 |
| Net loans and leases to total assets | 73.3949% | 1,967 |
| Net loans and leases to deposits | 91.3463% | 1,590 |
| Net loans and leases to core deposits | 92.8407% | 2,297 |
| Total domestic deposits to total assets | 80.3480% | 4,429 |
| Equity capital to assets | 10.1809% | 3,938 |
| Core capital (leverage) ratio | 8.5392% | 5,328 |
| Tier 1 risk-based capital ratio | 11.9029% | 4,847 |
| Total risk-based capital ratio | 12.4595% | 5,155 |
| Memoranda: | ||
| Average total assets | $3,348,707,000 | 274 |
| Average earning assets | $3,071,325,750 | 276 |
| Average equity | $329,047,500 | 297 |
| Average total loans | $2,556,184,750 | 258 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,319 |
| Cost of funding earning assets | 0.4044% | 2,985 |
| Net interest margin | 3.5726% | 3,200 |
| Noninterest income to average assets | 0.5454% | 2,926 |
| Noninterest expense to average assets | 2.9022% | 2,664 |
| Loan and lease loss provision to assets | 0.0796% | 2,549 |
| Net operating income to assets | 0.5618% | 4,429 |
| Return on assets (ROA) | 0.5612% | 4,552 |
| Pretax return on assets | 0.8547% | 4,101 |
| Return on Equity (ROE) | 5.8061% | 4,137 |
| Retained earnings to average equity (ytd only) | 3.1187% | 3,920 |
| Net charge-offs to loans | 0.1064% | 1,762 |
| Credit loss provision to net charge-offs | 96.5327% | 2,170 |
| Earnings coverage of net charge-offs (x) | 11.3459% | 2,268 |
| Efficiency ratio | 75.6317% | 2,123 |
| Assets per employee ($millions) | 6.6101% | 1,038 |
| Cash dividends to net income (ytd only)* | 46.2856% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 5,766 |
| Loan loss allowance to noncurrent loans | 72.9284% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 2,580 |
| Noncurrent loans to loans | 0.7255% | 2,920 |
| Net loans and leases to total assets | 77.3780% | 1,278 |
| Net loans and leases to deposits | 97.2986% | 944 |
| Net loans and leases to core deposits | 99.1288% | 1,705 |
| Total domestic deposits to total assets | 79.5263% | 4,664 |
| Equity capital to assets | 10.1950% | 3,984 |
| Core capital (leverage) ratio | 9.4493% | 4,273 |
| Tier 1 risk-based capital ratio | 11.1820% | 5,324 |
| Total risk-based capital ratio | 11.7588% | 5,582 |
| Memoranda: | ||
| Average total assets | $3,079,571,670 | 287 |
| Average earning assets | $2,837,547,000 | 286 |
| Average equity | $297,687,330 | 320 |
| Average total loans | $2,386,249,330 | 271 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,853 |
| Cost of funding earning assets | 0.4118% | 2,933 |
| Net interest margin | 3.4144% | 3,822 |
| Noninterest income to average assets | 0.5369% | 2,886 |
| Noninterest expense to average assets | 2.5468% | 3,921 |
| Loan and lease loss provision to assets | 0.0868% | 2,234 |
| Net operating income to assets | 0.6882% | 3,767 |
| Return on assets (ROA) | 0.6882% | 3,884 |
| Pretax return on assets | 1.0877% | 3,139 |
| Return on Equity (ROE) | 7.4373% | 3,223 |
| Retained earnings to average equity (ytd only) | 0.7701% | 4,910 |
| Net charge-offs to loans | 0.2136% | 946 |
| Credit loss provision to net charge-offs | 52.6168% | 2,030 |
| Earnings coverage of net charge-offs (x) | 7.1168% | 2,171 |
| Efficiency ratio | 68.4378% | 3,388 |
| Assets per employee ($millions) | 6.8351% | 955 |
| Cash dividends to net income (ytd only)* | 89.6459% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 5,344 |
| Loan loss allowance to noncurrent loans | 100.1297% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 2,275 |
| Noncurrent loans to loans | 0.8030% | 2,828 |
| Net loans and leases to total assets | 77.2198% | 1,216 |
| Net loans and leases to deposits | 100.9126% | 567 |
| Net loans and leases to core deposits | 102.6074% | 1,288 |
| Total domestic deposits to total assets | 76.5214% | 5,361 |
| Equity capital to assets | 9.2830% | 4,905 |
| Core capital (leverage) ratio | 8.6531% | 5,229 |
| Tier 1 risk-based capital ratio | 12.3184% | 4,719 |
| Total risk-based capital ratio | 13.2160% | 4,850 |
| Memoranda: | ||
| Average total assets | $2,593,357,500 | 329 |
| Average earning assets | $2,418,664,000 | 321 |
| Average equity | $239,981,000 | 372 |
| Average total loans | $2,003,357,000 | 303 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,113 |
| Cost of funding earning assets | 0.3776% | 3,395 |
| Net interest margin | 3.3978% | 3,925 |
| Noninterest income to average assets | 0.6702% | 2,341 |
| Noninterest expense to average assets | 2.4406% | 4,409 |
| Loan and lease loss provision to assets | 0.0518% | 3,283 |
| Net operating income to assets | 0.8743% | 3,002 |
| Return on assets (ROA) | 0.8743% | 3,087 |
| Pretax return on assets | 1.3423% | 2,122 |
| Return on Equity (ROE) | 9.4255% | 2,258 |
| Retained earnings to average equity (ytd only) | 2.4164% | 4,341 |
| Net charge-offs to loans | 0.0472% | 3,272 |
| Credit loss provision to net charge-offs | 146.5517% | 1,816 |
| Earnings coverage of net charge-offs (x) | 39.4345% | 1,195 |
| Efficiency ratio | 63.6445% | 4,341 |
| Assets per employee ($millions) | 7.0168% | 885 |
| Cash dividends to net income (ytd only)* | 74.3633% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 5,297 |
| Loan loss allowance to noncurrent loans | 91.5071% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 2,101 |
| Noncurrent loans to loans | 0.9182% | 2,505 |
| Net loans and leases to total assets | 76.0106% | 1,417 |
| Net loans and leases to deposits | 102.3598% | 528 |
| Net loans and leases to core deposits | 103.8386% | 1,232 |
| Total domestic deposits to total assets | 74.2583% | 5,621 |
| Equity capital to assets | 9.2244% | 4,873 |
| Core capital (leverage) ratio | 8.9107% | 4,991 |
| Tier 1 risk-based capital ratio | 12.7213% | 4,495 |
| Total risk-based capital ratio | 13.6533% | 4,587 |
| Memoranda: | ||
| Average total assets | $2,460,882,800 | 326 |
| Average earning assets | $2,291,930,400 | 318 |
| Average equity | $228,274,400 | 376 |
| Average total loans | $1,841,506,600 | 302 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,336 |
| Cost of funding earning assets | 0.3703% | 3,543 |
| Net interest margin | 3.3572% | 4,119 |
| Noninterest income to average assets | 0.6796% | 2,328 |
| Noninterest expense to average assets | 2.4009% | 4,510 |
| Loan and lease loss provision to assets | 0.0536% | 3,124 |
| Net operating income to assets | 0.8798% | 3,044 |
| Return on assets (ROA) | 0.8798% | 3,129 |
| Pretax return on assets | 1.3523% | 2,204 |
| Return on Equity (ROE) | 9.4703% | 2,321 |
| Retained earnings to average equity (ytd only) | 2.3742% | 4,692 |
| Net charge-offs to loans | 0.0483% | 2,925 |
| Credit loss provision to net charge-offs | 149.0826% | 1,692 |
| Earnings coverage of net charge-offs (x) | 39.1314% | 1,267 |
| Efficiency ratio | 63.0686% | 4,393 |
| Assets per employee ($millions) | 6.8678% | 925 |
| Cash dividends to net income (ytd only)* | 74.9298% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 5,371 |
| Loan loss allowance to noncurrent loans | 68.2053% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 2,202 |
| Noncurrent loans to loans | 1.2459% | 2,045 |
| Net loans and leases to total assets | 75.7810% | 1,415 |
| Net loans and leases to deposits | 98.0100% | 815 |
| Net loans and leases to core deposits | 99.3722% | 1,569 |
| Total domestic deposits to total assets | 77.3196% | 5,291 |
| Equity capital to assets | 9.2675% | 5,039 |
| Core capital (leverage) ratio | 8.9101% | 5,104 |
| Tier 1 risk-based capital ratio | 12.6695% | 4,631 |
| Total risk-based capital ratio | 13.6021% | 4,762 |
| Memoranda: | ||
| Average total assets | $2,427,049,500 | 333 |
| Average earning assets | $2,260,754,750 | 325 |
| Average equity | $225,471,500 | 382 |
| Average total loans | $1,804,352,750 | 308 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,398 |
| Cost of funding earning assets | 0.3595% | 3,710 |
| Net interest margin | 3.3440% | 4,129 |
| Noninterest income to average assets | 0.6900% | 2,254 |
| Noninterest expense to average assets | 2.3277% | 4,777 |
| Loan and lease loss provision to assets | 0.0567% | 2,966 |
| Net operating income to assets | 0.9286% | 2,739 |
| Return on assets (ROA) | 0.9286% | 2,860 |
| Pretax return on assets | 1.4175% | 1,903 |
| Return on Equity (ROE) | 9.9867% | 2,078 |
| Retained earnings to average equity (ytd only) | 2.7631% | 4,294 |
| Net charge-offs to loans | 0.0522% | 2,674 |
| Credit loss provision to net charge-offs | 147.3799% | 1,556 |
| Earnings coverage of net charge-offs (x) | 38.3384% | 1,160 |
| Efficiency ratio | 61.2247% | 4,795 |
| Assets per employee ($millions) | 6.6605% | 981 |
| Cash dividends to net income (ytd only)* | 72.3327% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 5,204 |
| Loan loss allowance to noncurrent loans | 79.0911% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 2,498 |
| Noncurrent loans to loans | 1.1673% | 2,315 |
| Net loans and leases to total assets | 73.9986% | 1,660 |
| Net loans and leases to deposits | 100.0136% | 657 |
| Net loans and leases to core deposits | 101.2982% | 1,375 |
| Total domestic deposits to total assets | 73.9885% | 5,799 |
| Equity capital to assets | 9.3310% | 4,857 |
| Core capital (leverage) ratio | 9.1240% | 4,783 |
| Tier 1 risk-based capital ratio | 12.7559% | 4,652 |
| Total risk-based capital ratio | 13.7283% | 4,735 |
| Memoranda: | ||
| Average total assets | $2,382,167,330 | 340 |
| Average earning assets | $2,216,798,330 | 328 |
| Average equity | $221,494,000 | 390 |
| Average total loans | $1,753,165,000 | 312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,464 |
| Cost of funding earning assets | 0.3515% | 3,841 |
| Net interest margin | 3.3204% | 4,131 |
| Noninterest income to average assets | 0.6846% | 2,231 |
| Noninterest expense to average assets | 2.2890% | 4,915 |
| Loan and lease loss provision to assets | 0.0632% | 2,664 |
| Net operating income to assets | 0.9336% | 2,590 |
| Return on assets (ROA) | 0.9336% | 2,718 |
| Pretax return on assets | 1.4214% | 1,804 |
| Return on Equity (ROE) | 10.0593% | 1,974 |
| Retained earnings to average equity (ytd only) | 2.7989% | 4,284 |
| Net charge-offs to loans | 0.0630% | 2,117 |
| Credit loss provision to net charge-offs | 137.3626% | 1,328 |
| Earnings coverage of net charge-offs (x) | 32.2784% | 1,104 |
| Efficiency ratio | 60.6590% | 5,010 |
| Assets per employee ($millions) | 6.8839% | 900 |
| Cash dividends to net income (ytd only)* | 72.1761% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 5,322 |
| Loan loss allowance to noncurrent loans | 84.6122% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 2,672 |
| Noncurrent loans to loans | 1.1030% | 2,566 |
| Net loans and leases to total assets | 72.9612% | 1,662 |
| Net loans and leases to deposits | 96.1024% | 825 |
| Net loans and leases to core deposits | 97.3189% | 1,534 |
| Total domestic deposits to total assets | 75.9203% | 5,744 |
| Equity capital to assets | 9.2737% | 5,001 |
| Core capital (leverage) ratio | 9.6936% | 4,022 |
| Tier 1 risk-based capital ratio | 13.8214% | 4,135 |
| Total risk-based capital ratio | 14.8184% | 4,206 |
| Memoranda: | ||
| Average total assets | $2,374,354,000 | 338 |
| Average earning assets | $2,208,743,000 | 328 |
| Average equity | $220,372,500 | 391 |
| Average total loans | $1,734,314,000 | 313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 4,581 |
| Cost of funding earning assets | 0.3326% | 4,464 |
| Net interest margin | 3.4372% | 4,034 |
| Noninterest income to average assets | 0.7517% | 2,069 |
| Noninterest expense to average assets | 2.4766% | 4,619 |
| Loan and lease loss provision to assets | 0.1140% | 2,270 |
| Net operating income to assets | 0.8733% | 3,003 |
| Return on assets (ROA) | 0.8733% | 3,089 |
| Pretax return on assets | 1.3431% | 2,098 |
| Return on Equity (ROE) | 9.3255% | 2,427 |
| Retained earnings to average equity (ytd only) | 1.9195% | 4,842 |
| Net charge-offs to loans | 0.4432% | 949 |
| Credit loss provision to net charge-offs | 36.3109% | 3,743 |
| Earnings coverage of net charge-offs (x) | 4.6413% | 3,598 |
| Efficiency ratio | 62.9581% | 4,758 |
| Assets per employee ($millions) | 6.7816% | 926 |
| Cash dividends to net income (ytd only)* | 79.4163% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 5,275 |
| Loan loss allowance to noncurrent loans | 89.1298% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 2,810 |
| Noncurrent loans to loans | 1.0710% | 2,677 |
| Net loans and leases to total assets | 71.7399% | 1,949 |
| Net loans and leases to deposits | 97.7394% | 783 |
| Net loans and leases to core deposits | 98.3430% | 1,525 |
| Total domestic deposits to total assets | 73.3992% | 5,990 |
| Equity capital to assets | 9.2891% | 4,960 |
| Core capital (leverage) ratio | 9.4561% | 4,300 |
| Tier 1 risk-based capital ratio | 14.0463% | 4,055 |
| Total risk-based capital ratio | 15.0745% | 4,155 |
| Memoranda: | ||
| Average total assets | $2,307,054,800 | 324 |
| Average earning assets | $2,135,784,400 | 318 |
| Average equity | $216,041,400 | 381 |
| Average total loans | $1,634,205,600 | 310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 4,577 |
| Cost of funding earning assets | 0.3241% | 4,627 |
| Net interest margin | 3.4660% | 3,956 |
| Noninterest income to average assets | 0.7461% | 2,114 |
| Noninterest expense to average assets | 2.4939% | 4,552 |
| Loan and lease loss provision to assets | 0.1049% | 2,287 |
| Net operating income to assets | 0.8734% | 3,058 |
| Return on assets (ROA) | 0.8734% | 3,150 |
| Pretax return on assets | 1.3525% | 2,186 |
| Return on Equity (ROE) | 9.3075% | 2,539 |
| Retained earnings to average equity (ytd only) | 1.8744% | 5,120 |
| Net charge-offs to loans | 0.5304% | 719 |
| Credit loss provision to net charge-offs | 28.0890% | 3,484 |
| Earnings coverage of net charge-offs (x) | 3.9018% | 3,572 |
| Efficiency ratio | 63.1160% | 4,698 |
| Assets per employee ($millions) | 6.4152% | 1,067 |
| Cash dividends to net income (ytd only)* | 79.8616% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 5,266 |
| Loan loss allowance to noncurrent loans | 88.6847% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 2,814 |
| Noncurrent loans to loans | 1.1136% | 2,841 |
| Net loans and leases to total assets | 70.6044% | 2,095 |
| Net loans and leases to deposits | 91.0253% | 1,326 |
| Net loans and leases to core deposits | 91.5959% | 2,067 |
| Total domestic deposits to total assets | 77.5656% | 5,597 |
| Equity capital to assets | 9.3957% | 4,931 |
| Core capital (leverage) ratio | 9.5664% | 4,286 |
| Tier 1 risk-based capital ratio | 14.2537% | 4,047 |
| Total risk-based capital ratio | 15.3042% | 4,116 |
| Memoranda: | ||
| Average total assets | $2,293,823,500 | 324 |
| Average earning assets | $2,121,199,500 | 321 |
| Average equity | $215,246,500 | 377 |
| Average total loans | $1,615,416,000 | 308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,597 |
| Cost of funding earning assets | 0.3045% | 4,926 |
| Net interest margin | 3.4748% | 3,878 |
| Noninterest income to average assets | 0.7204% | 2,184 |
| Noninterest expense to average assets | 2.4993% | 4,576 |
| Loan and lease loss provision to assets | 0.0704% | 2,866 |
| Net operating income to assets | 0.8786% | 2,913 |
| Return on assets (ROA) | 0.8786% | 3,002 |
| Pretax return on assets | 1.3619% | 2,028 |
| Return on Equity (ROE) | 9.3676% | 2,427 |
| Retained earnings to average equity (ytd only) | 1.9071% | 4,930 |
| Net charge-offs to loans | 0.0997% | 2,685 |
| Credit loss provision to net charge-offs | 100.7509% | 1,972 |
| Earnings coverage of net charge-offs (x) | 20.4944% | 1,580 |
| Efficiency ratio | 63.5690% | 4,758 |
| Assets per employee ($millions) | 6.3639% | 1,082 |
| Cash dividends to net income (ytd only)* | 79.6416% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 4,047 |
| Loan loss allowance to noncurrent loans | 51.4423% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9606% | 1,641 |
| Noncurrent loans to loans | 2.4605% | 1,271 |
| Net loans and leases to total assets | 70.1149% | 2,064 |
| Net loans and leases to deposits | 95.0179% | 878 |
| Net loans and leases to core deposits | 95.6323% | 1,633 |
| Total domestic deposits to total assets | 73.7912% | 6,130 |
| Equity capital to assets | 9.2754% | 5,004 |
| Core capital (leverage) ratio | 9.4521% | 4,394 |
| Tier 1 risk-based capital ratio | 14.2192% | 4,117 |
| Total risk-based capital ratio | 15.4705% | 4,048 |
| Memoranda: | ||
| Average total assets | $2,286,467,330 | 322 |
| Average earning assets | $2,113,013,670 | 318 |
| Average equity | $214,463,670 | 375 |
| Average total loans | $1,603,411,000 | 307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,479 |
| Cost of funding earning assets | 0.3015% | 5,047 |
| Net interest margin | 3.5017% | 3,683 |
| Noninterest income to average assets | 0.6914% | 2,215 |
| Noninterest expense to average assets | 2.4854% | 4,668 |
| Loan and lease loss provision to assets | 0.0936% | 2,358 |
| Net operating income to assets | 0.8727% | 2,777 |
| Return on assets (ROA) | 0.8727% | 2,848 |
| Pretax return on assets | 1.3531% | 1,905 |
| Return on Equity (ROE) | 9.2515% | 2,349 |
| Retained earnings to average equity (ytd only) | 1.7634% | 4,899 |
| Net charge-offs to loans | 0.1333% | 1,912 |
| Credit loss provision to net charge-offs | 100.7605% | 1,644 |
| Earnings coverage of net charge-offs (x) | 15.5741% | 1,541 |
| Efficiency ratio | 63.2085% | 4,973 |
| Assets per employee ($millions) | 6.0157% | 1,292 |
| Cash dividends to net income (ytd only)* | 80.9389% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 4,047 |
| Loan loss allowance to noncurrent loans | 46.1905% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.1833% | 1,519 |
| Noncurrent loans to loans | 2.8450% | 1,150 |
| Net loans and leases to total assets | 68.9525% | 2,066 |
| Net loans and leases to deposits | 90.5670% | 1,086 |
| Net loans and leases to core deposits | 91.1565% | 1,810 |
| Total domestic deposits to total assets | 76.1343% | 6,065 |
| Equity capital to assets | 9.4034% | 4,620 |
| Core capital (leverage) ratio | 9.5899% | 4,150 |
| Tier 1 risk-based capital ratio | 14.5794% | 3,957 |
| Total risk-based capital ratio | 15.8312% | 3,907 |
| Memoranda: | ||
| Average total assets | $2,265,103,000 | 328 |
| Average earning assets | $2,096,246,000 | 320 |
| Average equity | $213,674,500 | 374 |
| Average total loans | $1,578,092,000 | 312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 4,709 |
| Cost of funding earning assets | 0.4361% | 4,252 |
| Net interest margin | 3.3904% | 4,314 |
| Noninterest income to average assets | 0.7220% | 2,423 |
| Noninterest expense to average assets | 2.5894% | 4,500 |
| Loan and lease loss provision to assets | 0.1225% | 2,778 |
| Net operating income to assets | 0.7518% | 3,539 |
| Return on assets (ROA) | 0.7518% | 3,635 |
| Pretax return on assets | 1.1535% | 2,759 |
| Return on Equity (ROE) | 7.9457% | 3,052 |
| Retained earnings to average equity (ytd only) | 0.5449% | 5,598 |
| Net charge-offs to loans | 0.1542% | 3,263 |
| Credit loss provision to net charge-offs | 117.6965% | 2,044 |
| Earnings coverage of net charge-offs (x) | 12.2560% | 2,144 |
| Efficiency ratio | 66.9882% | 4,372 |
| Assets per employee ($millions) | 6.0329% | 1,253 |
| Cash dividends to net income (ytd only)* | 93.1424% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 3,944 |
| Loan loss allowance to noncurrent loans | 46.1420% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 2.2088% | 1,617 |
| Noncurrent loans to loans | 2.9018% | 1,205 |
| Net loans and leases to total assets | 68.5360% | 2,252 |
| Net loans and leases to deposits | 87.5673% | 1,511 |
| Net loans and leases to core deposits | 88.2349% | 2,224 |
| Total domestic deposits to total assets | 78.2667% | 5,787 |
| Equity capital to assets | 9.4636% | 4,480 |
| Core capital (leverage) ratio | 9.6569% | 4,048 |
| Tier 1 risk-based capital ratio | 14.7196% | 3,827 |
| Total risk-based capital ratio | 15.9717% | 3,769 |
| Memoranda: | ||
| Average total assets | $2,284,906,400 | 316 |
| Average earning assets | $2,118,513,400 | 307 |
| Average equity | $216,193,400 | 358 |
| Average total loans | $1,542,956,200 | 302 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 4,772 |
| Cost of funding earning assets | 0.4784% | 3,980 |
| Net interest margin | 3.3428% | 4,489 |
| Noninterest income to average assets | 0.7144% | 2,535 |
| Noninterest expense to average assets | 2.3076% | 5,316 |
| Loan and lease loss provision to assets | 0.1511% | 2,380 |
| Net operating income to assets | 0.8752% | 2,967 |
| Return on assets (ROA) | 0.8752% | 3,079 |
| Pretax return on assets | 1.3552% | 2,095 |
| Return on Equity (ROE) | 9.2507% | 2,516 |
| Retained earnings to average equity (ytd only) | 1.8777% | 5,195 |
| Net charge-offs to loans | 0.1926% | 2,687 |
| Credit loss provision to net charge-offs | 117.0117% | 2,013 |
| Earnings coverage of net charge-offs (x) | 11.6620% | 2,214 |
| Efficiency ratio | 60.5033% | 5,357 |
| Assets per employee ($millions) | 6.1021% | 1,173 |
| Cash dividends to net income (ytd only)* | 79.7025% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,126 |
| Loan loss allowance to noncurrent loans | 50.2514% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.0025% | 2,018 |
| Noncurrent loans to loans | 2.6888% | 1,577 |
| Net loans and leases to total assets | 66.6425% | 2,534 |
| Net loans and leases to deposits | 85.4257% | 1,686 |
| Net loans and leases to core deposits | 85.8647% | 2,423 |
| Total domestic deposits to total assets | 78.0123% | 5,899 |
| Equity capital to assets | 9.3771% | 4,707 |
| Core capital (leverage) ratio | 9.5663% | 4,304 |
| Tier 1 risk-based capital ratio | 15.0221% | 3,742 |
| Total risk-based capital ratio | 16.2743% | 3,688 |
| Memoranda: | ||
| Average total assets | $2,293,565,500 | 318 |
| Average earning assets | $2,126,694,250 | 309 |
| Average equity | $217,002,500 | 355 |
| Average total loans | $1,537,901,250 | 305 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,762 |
| Cost of funding earning assets | 0.4933% | 3,958 |
| Net interest margin | 3.3257% | 4,467 |
| Noninterest income to average assets | 0.6885% | 2,698 |
| Noninterest expense to average assets | 2.2671% | 5,456 |
| Loan and lease loss provision to assets | 0.1656% | 2,258 |
| Net operating income to assets | 0.8790% | 2,913 |
| Return on assets (ROA) | 0.8790% | 3,058 |
| Pretax return on assets | 1.3419% | 2,151 |
| Return on Equity (ROE) | 9.2630% | 2,512 |
| Retained earnings to average equity (ytd only) | 1.9173% | 5,048 |
| Net charge-offs to loans | 0.2070% | 2,520 |
| Credit loss provision to net charge-offs | 119.5721% | 1,864 |
| Earnings coverage of net charge-offs (x) | 10.8880% | 2,110 |
| Efficiency ratio | 60.0623% | 5,479 |
| Assets per employee ($millions) | 6.2237% | 1,060 |
| Cash dividends to net income (ytd only)* | 79.3021% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,205 |
| Loan loss allowance to noncurrent loans | 45.3595% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1360% | 2,019 |
| Noncurrent loans to loans | 3.0013% | 1,481 |
| Net loans and leases to total assets | 65.3316% | 2,707 |
| Net loans and leases to deposits | 87.7421% | 1,373 |
| Net loans and leases to core deposits | 88.1910% | 2,083 |
| Total domestic deposits to total assets | 74.4587% | 6,405 |
| Equity capital to assets | 9.3396% | 4,800 |
| Core capital (leverage) ratio | 9.4344% | 4,341 |
| Tier 1 risk-based capital ratio | 14.9353% | 3,817 |
| Total risk-based capital ratio | 16.1875% | 3,780 |
| Memoranda: | ||
| Average total assets | $2,295,325,670 | 319 |
| Average earning assets | $2,129,954,000 | 310 |
| Average equity | $217,811,670 | 351 |
| Average total loans | $1,535,249,000 | 304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,791 |
| Cost of funding earning assets | 0.5215% | 3,869 |
| Net interest margin | 3.2907% | 4,550 |
| Noninterest income to average assets | 0.5822% | 3,236 |
| Noninterest expense to average assets | 2.1908% | 5,714 |
| Loan and lease loss provision to assets | 0.1923% | 1,921 |
| Net operating income to assets | 0.8149% | 3,079 |
| Return on assets (ROA) | 0.8149% | 3,219 |
| Pretax return on assets | 1.2586% | 2,377 |
| Return on Equity (ROE) | 8.5192% | 2,705 |
| Retained earnings to average equity (ytd only) | 1.2097% | 5,367 |
| Net charge-offs to loans | 0.2899% | 1,805 |
| Credit loss provision to net charge-offs | 98.6547% | 1,892 |
| Earnings coverage of net charge-offs (x) | 7.4448% | 2,068 |
| Efficiency ratio | 60.1584% | 5,570 |
| Assets per employee ($millions) | 6.2475% | 1,109 |
| Cash dividends to net income (ytd only)* | 85.8001% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,499 |
| Loan loss allowance to noncurrent loans | 43.2026% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.1797% | 2,143 |
| Noncurrent loans to loans | 3.1086% | 1,599 |
| Net loans and leases to total assets | 65.3043% | 2,495 |
| Net loans and leases to deposits | 85.6631% | 1,387 |
| Net loans and leases to core deposits | 86.1085% | 2,095 |
| Total domestic deposits to total assets | 76.2340% | 6,337 |
| Equity capital to assets | 9.5273% | 4,811 |
| Core capital (leverage) ratio | 9.3982% | 4,242 |
| Tier 1 risk-based capital ratio | 15.0414% | 3,809 |
| Total risk-based capital ratio | 16.2935% | 3,765 |
| Memoranda: | ||
| Average total assets | $2,288,497,000 | 324 |
| Average earning assets | $2,127,693,000 | 315 |
| Average equity | $218,893,000 | 357 |
| Average total loans | $1,538,216,000 | 306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 4,876 |
| Cost of funding earning assets | 0.6414% | 3,995 |
| Net interest margin | 3.4806% | 4,581 |
| Noninterest income to average assets | 0.8133% | 2,204 |
| Noninterest expense to average assets | 2.3030% | 5,686 |
| Loan and lease loss provision to assets | 0.3455% | 1,941 |
| Net operating income to assets | 0.9101% | 2,767 |
| Return on assets (ROA) | 0.9101% | 3,008 |
| Pretax return on assets | 1.4103% | 2,012 |
| Return on Equity (ROE) | 9.5866% | 2,365 |
| Retained earnings to average equity (ytd only) | 0.1424% | 5,770 |
| Net charge-offs to loans | 0.3577% | 2,843 |
| Credit loss provision to net charge-offs | 140.5444% | 1,961 |
| Earnings coverage of net charge-offs (x) | 7.1423% | 2,667 |
| Efficiency ratio | 56.7409% | 5,977 |
| Assets per employee ($millions) | 6.2753% | 1,122 |
| Cash dividends to net income (ytd only)* | 98.5151% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,521 |
| Loan loss allowance to noncurrent loans | 47.2841% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 2.0507% | 2,390 |
| Noncurrent loans to loans | 2.7975% | 1,881 |
| Net loans and leases to total assets | 67.3492% | 2,307 |
| Net loans and leases to deposits | 88.2059% | 1,244 |
| Net loans and leases to core deposits | 88.6928% | 2,008 |
| Total domestic deposits to total assets | 76.3546% | 6,311 |
| Equity capital to assets | 9.6031% | 4,745 |
| Core capital (leverage) ratio | 9.4939% | 4,114 |
| Tier 1 risk-based capital ratio | 14.8568% | 3,799 |
| Total risk-based capital ratio | 16.1088% | 3,752 |
| Memoranda: | ||
| Average total assets | $2,286,528,000 | 318 |
| Average earning assets | $2,132,093,000 | 303 |
| Average equity | $217,063,800 | 345 |
| Average total loans | $1,571,402,400 | 293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 4,957 |
| Cost of funding earning assets | 0.6616% | 4,090 |
| Net interest margin | 3.4953% | 4,665 |
| Noninterest income to average assets | 0.8121% | 2,184 |
| Noninterest expense to average assets | 2.2965% | 5,688 |
| Loan and lease loss provision to assets | 0.2794% | 2,331 |
| Net operating income to assets | 0.9645% | 2,688 |
| Return on assets (ROA) | 0.9645% | 2,899 |
| Pretax return on assets | 1.4987% | 1,883 |
| Return on Equity (ROE) | 10.1889% | 2,258 |
| Retained earnings to average equity (ytd only) | 0.0412% | 6,058 |
| Net charge-offs to loans | 0.4008% | 2,493 |
| Credit loss provision to net charge-offs | 101.2872% | 2,913 |
| Earnings coverage of net charge-offs (x) | 6.4450% | 2,789 |
| Efficiency ratio | 56.3615% | 6,009 |
| Assets per employee ($millions) | 6.2853% | 1,078 |
| Cash dividends to net income (ytd only)* | 99.5956% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 5,454 |
| Loan loss allowance to noncurrent loans | 44.4247% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 1.9422% | 2,725 |
| Noncurrent loans to loans | 2.6233% | 2,168 |
| Net loans and leases to total assets | 67.2487% | 2,413 |
| Net loans and leases to deposits | 88.2456% | 1,319 |
| Net loans and leases to core deposits | 88.6953% | 2,136 |
| Total domestic deposits to total assets | 76.2063% | 6,356 |
| Equity capital to assets | 9.4439% | 5,272 |
| Core capital (leverage) ratio | 9.3373% | 4,521 |
| Tier 1 risk-based capital ratio | 14.3492% | 4,299 |
| Total risk-based capital ratio | 15.5692% | 4,285 |
| Memoranda: | ||
| Average total assets | $2,290,244,500 | 315 |
| Average earning assets | $2,137,711,500 | 300 |
| Average equity | $216,792,500 | 342 |
| Average total loans | $1,576,639,000 | 291 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 4,868 |
| Cost of funding earning assets | 0.6750% | 4,228 |
| Net interest margin | 3.5480% | 4,475 |
| Noninterest income to average assets | 0.7795% | 2,296 |
| Noninterest expense to average assets | 2.2458% | 5,888 |
| Loan and lease loss provision to assets | 0.2976% | 2,199 |
| Net operating income to assets | 0.9956% | 2,484 |
| Return on assets (ROA) | 0.9956% | 2,709 |
| Pretax return on assets | 1.5514% | 1,709 |
| Return on Equity (ROE) | 10.5100% | 2,163 |
| Retained earnings to average equity (ytd only) | 0.3918% | 5,912 |
| Net charge-offs to loans | 0.5032% | 2,076 |
| Credit loss provision to net charge-offs | 85.5776% | 3,170 |
| Earnings coverage of net charge-offs (x) | 5.3166% | 2,858 |
| Efficiency ratio | 54.8451% | 6,240 |
| Assets per employee ($millions) | 6.2363% | 1,099 |
| Cash dividends to net income (ytd only)* | 96.2722% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,679 |
| Loan loss allowance to noncurrent loans | 39.9191% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0827% | 2,684 |
| Noncurrent loans to loans | 2.8132% | 2,129 |
| Net loans and leases to total assets | 67.9275% | 2,297 |
| Net loans and leases to deposits | 90.1206% | 1,136 |
| Net loans and leases to core deposits | 90.5696% | 1,922 |
| Total domestic deposits to total assets | 75.3740% | 6,546 |
| Equity capital to assets | 9.5130% | 5,037 |
| Core capital (leverage) ratio | 9.4512% | 4,214 |
| Tier 1 risk-based capital ratio | 14.5413% | 4,073 |
| Total risk-based capital ratio | 15.7291% | 4,079 |
| Memoranda: | ||
| Average total assets | $2,284,753,670 | 315 |
| Average earning assets | $2,134,934,000 | 298 |
| Average equity | $216,442,000 | 341 |
| Average total loans | $1,579,009,000 | 293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 4,744 |
| Cost of funding earning assets | 0.6839% | 4,420 |
| Net interest margin | 3.6139% | 4,207 |
| Noninterest income to average assets | 0.7698% | 2,300 |
| Noninterest expense to average assets | 2.2464% | 5,910 |
| Loan and lease loss provision to assets | 0.2979% | 2,096 |
| Net operating income to assets | 1.0340% | 2,351 |
| Return on assets (ROA) | 1.0340% | 2,539 |
| Pretax return on assets | 1.6061% | 1,552 |
| Return on Equity (ROE) | 10.9379% | 2,041 |
| Retained earnings to average equity (ytd only) | 0.8360% | 5,724 |
| Net charge-offs to loans | 0.4270% | 2,029 |
| Credit loss provision to net charge-offs | 100.6513% | 2,280 |
| Earnings coverage of net charge-offs (x) | 6.4334% | 2,210 |
| Efficiency ratio | 54.1248% | 6,335 |
| Assets per employee ($millions) | 6.1287% | 1,206 |
| Cash dividends to net income (ytd only)* | 92.3572% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,688 |
| Loan loss allowance to noncurrent loans | 40.9689% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 2,817 |
| Noncurrent loans to loans | 2.8230% | 2,286 |
| Net loans and leases to total assets | 68.9348% | 1,953 |
| Net loans and leases to deposits | 91.9277% | 801 |
| Net loans and leases to core deposits | 92.3635% | 1,612 |
| Total domestic deposits to total assets | 74.9881% | 6,645 |
| Equity capital to assets | 9.5818% | 4,674 |
| Core capital (leverage) ratio | 9.5050% | 4,042 |
| Tier 1 risk-based capital ratio | 14.5457% | 4,066 |
| Total risk-based capital ratio | 15.7820% | 4,036 |
| Memoranda: | ||
| Average total assets | $2,282,771,000 | 308 |
| Average earning assets | $2,135,437,000 | 295 |
| Average equity | $215,800,000 | 338 |
| Average total loans | $1,582,350,500 | 287 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 5,018 |
| Cost of funding earning assets | 0.8339% | 4,598 |
| Net interest margin | 3.6800% | 4,392 |
| Noninterest income to average assets | 0.6901% | 2,663 |
| Noninterest expense to average assets | 2.2932% | 6,054 |
| Loan and lease loss provision to assets | 0.3411% | 2,967 |
| Net operating income to assets | 0.9648% | 2,343 |
| Return on assets (ROA) | 0.9648% | 2,472 |
| Pretax return on assets | 1.4977% | 1,478 |
| Return on Equity (ROE) | 10.4449% | 1,890 |
| Retained earnings to average equity (ytd only) | 3.8692% | 3,455 |
| Net charge-offs to loans | 0.4395% | 3,239 |
| Credit loss provision to net charge-offs | 107.9387% | 3,128 |
| Earnings coverage of net charge-offs (x) | 5.8187% | 2,672 |
| Efficiency ratio | 55.4985% | 6,371 |
| Assets per employee ($millions) | 6.1278% | 1,143 |
| Cash dividends to net income (ytd only)* | 62.9562% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,605 |
| Loan loss allowance to noncurrent loans | 31.3648% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9893% | 2,977 |
| Noncurrent loans to loans | 2.7721% | 2,358 |
| Net loans and leases to total assets | 68.3015% | 2,335 |
| Net loans and leases to deposits | 91.4560% | 1,019 |
| Net loans and leases to core deposits | 92.1494% | 1,872 |
| Total domestic deposits to total assets | 74.6824% | 6,652 |
| Equity capital to assets | 9.3274% | 5,113 |
| Core capital (leverage) ratio | 9.4104% | 4,167 |
| Tier 1 risk-based capital ratio | 15.4196% | 3,381 |
| Total risk-based capital ratio | 16.4003% | 3,513 |
| Memoranda: | ||
| Average total assets | $2,272,052,400 | 310 |
| Average earning assets | $2,125,002,400 | 294 |
| Average equity | $209,863,000 | 337 |
| Average total loans | $1,633,774,400 | 274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 5,067 |
| Cost of funding earning assets | 0.8614% | 4,697 |
| Net interest margin | 3.6940% | 4,361 |
| Noninterest income to average assets | 0.6749% | 2,741 |
| Noninterest expense to average assets | 2.3072% | 6,013 |
| Loan and lease loss provision to assets | 0.3386% | 2,851 |
| Net operating income to assets | 0.9578% | 2,493 |
| Return on assets (ROA) | 0.9578% | 2,664 |
| Pretax return on assets | 1.4829% | 1,695 |
| Return on Equity (ROE) | 10.3960% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.0270% | 3,155 |
| Net charge-offs to loans | 0.3040% | 3,571 |
| Credit loss provision to net charge-offs | 153.2925% | 2,028 |
| Earnings coverage of net charge-offs (x) | 8.2461% | 2,211 |
| Efficiency ratio | 55.8816% | 6,294 |
| Assets per employee ($millions) | 6.1412% | 1,122 |
| Cash dividends to net income (ytd only)* | 51.6446% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,459 |
| Loan loss allowance to noncurrent loans | 31.4744% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1571% | 2,959 |
| Noncurrent loans to loans | 3.0104% | 2,296 |
| Net loans and leases to total assets | 69.5196% | 2,174 |
| Net loans and leases to deposits | 93.3969% | 888 |
| Net loans and leases to core deposits | 94.0929% | 1,786 |
| Total domestic deposits to total assets | 74.4346% | 6,709 |
| Equity capital to assets | 9.3839% | 5,260 |
| Core capital (leverage) ratio | 9.3958% | 4,311 |
| Tier 1 risk-based capital ratio | 15.0627% | 3,625 |
| Total risk-based capital ratio | 16.1286% | 3,707 |
| Memoranda: | ||
| Average total assets | $2,264,048,250 | 311 |
| Average earning assets | $2,116,845,500 | 295 |
| Average equity | $208,601,250 | 341 |
| Average total loans | $1,645,338,750 | 273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 4,815 |
| Cost of funding earning assets | 0.8915% | 4,748 |
| Net interest margin | 3.7442% | 4,059 |
| Noninterest income to average assets | 0.6582% | 2,774 |
| Noninterest expense to average assets | 2.3189% | 6,072 |
| Loan and lease loss provision to assets | 0.3459% | 2,709 |
| Net operating income to assets | 0.9574% | 2,407 |
| Return on assets (ROA) | 0.9574% | 2,506 |
| Pretax return on assets | 1.4924% | 1,555 |
| Return on Equity (ROE) | 10.4560% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.0319% | 2,988 |
| Net charge-offs to loans | 0.2706% | 3,530 |
| Credit loss provision to net charge-offs | 173.8743% | 1,736 |
| Earnings coverage of net charge-offs (x) | 9.2412% | 1,949 |
| Efficiency ratio | 55.7812% | 6,441 |
| Assets per employee ($millions) | 5.8942% | 1,239 |
| Cash dividends to net income (ytd only)* | 51.8759% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,632 |
| Loan loss allowance to noncurrent loans | 31.8784% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 2.2052% | 2,973 |
| Noncurrent loans to loans | 2.8518% | 2,561 |
| Net loans and leases to total assets | 72.2808% | 1,737 |
| Net loans and leases to deposits | 98.1370% | 587 |
| Net loans and leases to core deposits | 98.5806% | 1,463 |
| Total domestic deposits to total assets | 73.6530% | 6,874 |
| Equity capital to assets | 9.4698% | 4,858 |
| Core capital (leverage) ratio | 9.4492% | 4,030 |
| Tier 1 risk-based capital ratio | 14.8700% | 3,571 |
| Total risk-based capital ratio | 15.9138% | 3,658 |
| Memoranda: | ||
| Average total assets | $2,255,178,330 | 318 |
| Average earning assets | $2,107,445,670 | 304 |
| Average equity | $206,484,330 | 346 |
| Average total loans | $1,657,888,670 | 276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 4,810 |
| Cost of funding earning assets | 0.9266% | 4,736 |
| Net interest margin | 3.7061% | 4,067 |
| Noninterest income to average assets | 0.6168% | 3,058 |
| Noninterest expense to average assets | 2.2951% | 6,200 |
| Loan and lease loss provision to assets | 0.3009% | 2,754 |
| Net operating income to assets | 0.9515% | 2,348 |
| Return on assets (ROA) | 0.9515% | 2,415 |
| Pretax return on assets | 1.4839% | 1,492 |
| Return on Equity (ROE) | 10.5726% | 1,884 |
| Retained earnings to average equity (ytd only) | 5.0660% | 3,145 |
| Net charge-offs to loans | 0.2168% | 3,218 |
| Credit loss provision to net charge-offs | 188.0531% | 1,561 |
| Earnings coverage of net charge-offs (x) | 11.1549% | 1,573 |
| Efficiency ratio | 56.2535% | 6,481 |
| Assets per employee ($millions) | 5.7830% | 1,349 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,825 |
| Loan loss allowance to noncurrent loans | 39.3179% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 3,766 |
| Noncurrent loans to loans | 2.1575% | 3,375 |
| Net loans and leases to total assets | 72.3457% | 1,646 |
| Net loans and leases to deposits | 98.8216% | 533 |
| Net loans and leases to core deposits | 99.2737% | 1,402 |
| Total domestic deposits to total assets | 73.2083% | 6,978 |
| Equity capital to assets | 9.0690% | 5,095 |
| Core capital (leverage) ratio | 9.2109% | 4,271 |
| Tier 1 risk-based capital ratio | 14.5156% | 3,727 |
| Total risk-based capital ratio | 15.4895% | 3,882 |
| Memoranda: | ||
| Average total assets | $2,259,918,500 | 320 |
| Average earning assets | $2,111,750,000 | 303 |
| Average equity | $203,394,500 | 348 |
| Average total loans | $1,667,782,500 | 278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0190% | 4,460 |
| Cost of funding earning assets | 1.1733% | 4,711 |
| Net interest margin | 3.8457% | 3,752 |
| Noninterest income to average assets | 0.6948% | 2,868 |
| Noninterest expense to average assets | 2.4239% | 6,033 |
| Loan and lease loss provision to assets | 0.3659% | 3,921 |
| Net operating income to assets | 0.9846% | 2,091 |
| Return on assets (ROA) | 0.9846% | 2,201 |
| Pretax return on assets | 1.4887% | 1,409 |
| Return on Equity (ROE) | 11.4427% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.4427% | 337 |
| Net charge-offs to loans | 0.2992% | 4,524 |
| Credit loss provision to net charge-offs | 160.1602% | 2,178 |
| Earnings coverage of net charge-offs (x) | 8.1183% | 2,010 |
| Efficiency ratio | 56.6541% | 6,505 |
| Assets per employee ($millions) | 5.7180% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 6,994 |
| Loan loss allowance to noncurrent loans | 35.2612% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7680% | 3,659 |
| Noncurrent loans to loans | 2.2323% | 3,293 |
| Net loans and leases to total assets | 74.0498% | 1,652 |
| Net loans and leases to deposits | 99.5713% | 605 |
| Net loans and leases to core deposits | 100.3660% | 1,587 |
| Total domestic deposits to total assets | 74.3686% | 6,845 |
| Equity capital to assets | 8.9308% | 5,235 |
| Core capital (leverage) ratio | 9.1309% | 4,301 |
| Tier 1 risk-based capital ratio | 14.3544% | 3,642 |
| Total risk-based capital ratio | 15.2759% | 3,820 |
| Memoranda: | ||
| Average total assets | $2,186,583,600 | 325 |
| Average earning assets | $2,037,568,600 | 312 |
| Average equity | $188,154,800 | 372 |
| Average total loans | $1,669,238,000 | 285 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0873% | 4,389 |
| Cost of funding earning assets | 1.1950% | 4,889 |
| Net interest margin | 3.8923% | 3,562 |
| Noninterest income to average assets | 0.6665% | 3,035 |
| Noninterest expense to average assets | 2.4121% | 5,995 |
| Loan and lease loss provision to assets | 0.3687% | 3,689 |
| Net operating income to assets | 0.9490% | 2,419 |
| Return on assets (ROA) | 0.9490% | 2,550 |
| Pretax return on assets | 1.5120% | 1,582 |
| Return on Equity (ROE) | 11.1384% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.1384% | 586 |
| Net charge-offs to loans | 0.2887% | 4,215 |
| Credit loss provision to net charge-offs | 166.2971% | 2,247 |
| Earnings coverage of net charge-offs (x) | 8.4834% | 2,155 |
| Efficiency ratio | 56.1904% | 6,530 |
| Assets per employee ($millions) | 5.6662% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 7,110 |
| Loan loss allowance to noncurrent loans | 37.3712% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 1.6173% | 4,024 |
| Noncurrent loans to loans | 2.0063% | 3,665 |
| Net loans and leases to total assets | 75.0246% | 1,583 |
| Net loans and leases to deposits | 102.0627% | 531 |
| Net loans and leases to core deposits | 102.5794% | 1,594 |
| Total domestic deposits to total assets | 73.5083% | 6,988 |
| Equity capital to assets | 8.8421% | 5,794 |
| Core capital (leverage) ratio | 8.9567% | 4,752 |
| Tier 1 risk-based capital ratio | 14.0445% | 3,802 |
| Total risk-based capital ratio | 14.9321% | 4,020 |
| Memoranda: | ||
| Average total assets | $2,170,004,250 | 325 |
| Average earning assets | $2,021,699,250 | 311 |
| Average equity | $184,893,250 | 374 |
| Average total loans | $1,666,171,500 | 285 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1153% | 4,373 |
| Cost of funding earning assets | 1.2048% | 5,102 |
| Net interest margin | 3.9105% | 3,398 |
| Noninterest income to average assets | 0.6189% | 3,204 |
| Noninterest expense to average assets | 2.3800% | 6,116 |
| Loan and lease loss provision to assets | 0.4091% | 3,272 |
| Net operating income to assets | 0.9255% | 2,451 |
| Return on assets (ROA) | 0.9255% | 2,549 |
| Pretax return on assets | 1.4681% | 1,646 |
| Return on Equity (ROE) | 11.0055% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.0055% | 659 |
| Net charge-offs to loans | 0.4069% | 3,357 |
| Credit loss provision to net charge-offs | 130.2546% | 3,088 |
| Earnings coverage of net charge-offs (x) | 5.9769% | 2,554 |
| Efficiency ratio | 55.9055% | 6,646 |
| Assets per employee ($millions) | 5.6794% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 7,306 |
| Loan loss allowance to noncurrent loans | 38.5171% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 1.4330% | 4,325 |
| Noncurrent loans to loans | 1.7366% | 4,079 |
| Net loans and leases to total assets | 75.2451% | 1,638 |
| Net loans and leases to deposits | 107.8636% | 326 |
| Net loans and leases to core deposits | 109.2729% | 1,216 |
| Total domestic deposits to total assets | 69.7595% | 7,343 |
| Equity capital to assets | 8.5492% | 6,101 |
| Core capital (leverage) ratio | 8.7127% | 5,054 |
| Tier 1 risk-based capital ratio | 13.5795% | 4,019 |
| Total risk-based capital ratio | 14.3678% | 4,304 |
| Memoranda: | ||
| Average total assets | $2,151,060,670 | 325 |
| Average earning assets | $2,001,362,670 | 310 |
| Average equity | $180,891,330 | 383 |
| Average total loans | $1,660,464,000 | 288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 4,394 |
| Cost of funding earning assets | 1.2259% | 5,250 |
| Net interest margin | 3.9045% | 3,307 |
| Noninterest income to average assets | 0.5697% | 3,491 |
| Noninterest expense to average assets | 2.3651% | 6,199 |
| Loan and lease loss provision to assets | 0.4158% | 2,881 |
| Net operating income to assets | 0.8902% | 2,593 |
| Return on assets (ROA) | 0.8902% | 2,662 |
| Pretax return on assets | 1.4183% | 1,719 |
| Return on Equity (ROE) | 10.6794% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.6794% | 995 |
| Net charge-offs to loans | 0.3254% | 3,111 |
| Credit loss provision to net charge-offs | 163.9344% | 2,211 |
| Earnings coverage of net charge-offs (x) | 7.2310% | 2,116 |
| Efficiency ratio | 56.3217% | 6,724 |
| Assets per employee ($millions) | 5.6286% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 7,399 |
| Loan loss allowance to noncurrent loans | 34.3250% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 4,097 |
| Noncurrent loans to loans | 1.9537% | 3,853 |
| Net loans and leases to total assets | 74.6267% | 1,826 |
| Net loans and leases to deposits | 118.0473% | 165 |
| Net loans and leases to core deposits | 119.1479% | 816 |
| Total domestic deposits to total assets | 63.2177% | 7,697 |
| Equity capital to assets | 8.1658% | 6,479 |
| Core capital (leverage) ratio | 8.5174% | 5,344 |
| Tier 1 risk-based capital ratio | 13.3579% | 4,083 |
| Total risk-based capital ratio | 14.1450% | 4,385 |
| Memoranda: | ||
| Average total assets | $2,116,271,500 | 337 |
| Average earning assets | $1,967,269,000 | 323 |
| Average equity | $176,414,000 | 398 |
| Average total loans | $1,649,609,000 | 298 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 4,605 |
| Cost of funding earning assets | 1.6787% | 4,620 |
| Net interest margin | 3.7390% | 3,953 |
| Noninterest income to average assets | 0.7802% | 2,513 |
| Noninterest expense to average assets | 2.5625% | 5,914 |
| Loan and lease loss provision to assets | 0.2971% | 5,055 |
| Net operating income to assets | 0.8827% | 2,233 |
| Return on assets (ROA) | 0.9053% | 2,224 |
| Pretax return on assets | 1.4306% | 1,360 |
| Return on Equity (ROE) | 10.7826% | 1,480 |
| Retained earnings to average equity (ytd only) | 6.3121% | 1,225 |
| Net charge-offs to loans | 0.3561% | 4,445 |
| Credit loss provision to net charge-offs | 96.7085% | 5,747 |
| Earnings coverage of net charge-offs (x) | 5.5083% | 2,579 |
| Efficiency ratio | 60.2240% | 6,455 |
| Assets per employee ($millions) | 5.1567% | 2,005 |
| Cash dividends to net income (ytd only)* | 41.4603% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 7,527 |
| Loan loss allowance to noncurrent loans | 36.1229% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 4,095 |
| Noncurrent loans to loans | 1.7208% | 4,056 |
| Net loans and leases to total assets | 80.4981% | 910 |
| Net loans and leases to deposits | 118.9167% | 187 |
| Net loans and leases to core deposits | 123.8348% | 1,648 |
| Total domestic deposits to total assets | 67.6928% | 7,569 |
| Equity capital to assets | 8.5205% | 5,851 |
| Core capital (leverage) ratio | 8.9682% | 4,477 |
| Tier 1 risk-based capital ratio | 13.3707% | 3,902 |
| Total risk-based capital ratio | 14.1177% | 4,188 |
| Memoranda: | ||
| Average total assets | $1,918,298,600 | 363 |
| Average earning assets | $1,782,703,600 | 358 |
| Average equity | $161,056,200 | 430 |
| Average total loans | $1,655,135,400 | 310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 4,220 |
| Cost of funding earning assets | 1.7853% | 4,447 |
| Net interest margin | 3.7536% | 3,846 |
| Noninterest income to average assets | 0.7946% | 2,459 |
| Noninterest expense to average assets | 2.5808% | 5,778 |
| Loan and lease loss provision to assets | 0.2469% | 4,975 |
| Net operating income to assets | 0.9168% | 2,356 |
| Return on assets (ROA) | 0.9474% | 2,304 |
| Pretax return on assets | 1.5039% | 1,405 |
| Return on Equity (ROE) | 11.3293% | 1,535 |
| Retained earnings to average equity (ytd only) | 5.2550% | 2,339 |
| Net charge-offs to loans | 0.3152% | 4,071 |
| Credit loss provision to net charge-offs | 89.3085% | 5,501 |
| Earnings coverage of net charge-offs (x) | 6.1600% | 2,655 |
| Efficiency ratio | 60.2441% | 6,379 |
| Assets per employee ($millions) | 4.9185% | 2,247 |
| Cash dividends to net income (ytd only)* | 53.6153% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 7,559 |
| Loan loss allowance to noncurrent loans | 42.5449% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.3190% | 4,449 |
| Noncurrent loans to loans | 1.4356% | 4,518 |
| Net loans and leases to total assets | 86.8711% | 285 |
| Net loans and leases to deposits | 118.8906% | 223 |
| Net loans and leases to core deposits | 123.8863% | 1,908 |
| Total domestic deposits to total assets | 73.0681% | 7,077 |
| Equity capital to assets | 8.9785% | 5,514 |
| Core capital (leverage) ratio | 9.4828% | 3,932 |
| Tier 1 risk-based capital ratio | 13.6715% | 3,737 |
| Total risk-based capital ratio | 14.4369% | 3,997 |
| Memoranda: | ||
| Average total assets | $1,889,936,000 | 384 |
| Average earning assets | $1,756,850,500 | 377 |
| Average equity | $158,041,250 | 446 |
| Average total loans | $1,657,482,000 | 325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 4,261 |
| Cost of funding earning assets | 1.8738% | 4,401 |
| Net interest margin | 3.6900% | 3,994 |
| Noninterest income to average assets | 0.7059% | 2,957 |
| Noninterest expense to average assets | 2.5930% | 5,767 |
| Loan and lease loss provision to assets | 0.2111% | 4,934 |
| Net operating income to assets | 0.8354% | 2,721 |
| Return on assets (ROA) | 0.8811% | 2,639 |
| Pretax return on assets | 1.4013% | 1,722 |
| Return on Equity (ROE) | 10.7994% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.1434% | 1,949 |
| Net charge-offs to loans | 0.3475% | 3,449 |
| Credit loss provision to net charge-offs | 69.1802% | 5,433 |
| Earnings coverage of net charge-offs (x) | 5.0508% | 2,928 |
| Efficiency ratio | 62.7253% | 6,137 |
| Assets per employee ($millions) | 5.0074% | 2,066 |
| Cash dividends to net income (ytd only)* | 43.1138% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 7,687 |
| Loan loss allowance to noncurrent loans | 45.5271% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1650% | 4,610 |
| Noncurrent loans to loans | 1.2559% | 4,689 |
| Net loans and leases to total assets | 86.6557% | 325 |
| Net loans and leases to deposits | 120.2273% | 229 |
| Net loans and leases to core deposits | 126.3481% | 1,834 |
| Total domestic deposits to total assets | 72.0765% | 7,232 |
| Equity capital to assets | 8.5892% | 5,915 |
| Core capital (leverage) ratio | 9.1434% | 4,396 |
| Tier 1 risk-based capital ratio | 13.3936% | 3,872 |
| Total risk-based capital ratio | 14.1153% | 4,150 |
| Memoranda: | ||
| Average total assets | $1,895,268,000 | 392 |
| Average earning assets | $1,760,727,670 | 385 |
| Average equity | $154,637,670 | 458 |
| Average total loans | $1,664,003,670 | 330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6067% | 4,313 |
| Cost of funding earning assets | 1.9528% | 4,369 |
| Net interest margin | 3.6539% | 4,083 |
| Noninterest income to average assets | 0.5409% | 3,989 |
| Noninterest expense to average assets | 2.4649% | 5,978 |
| Loan and lease loss provision to assets | 0.1696% | 4,773 |
| Net operating income to assets | 0.8197% | 3,046 |
| Return on assets (ROA) | 0.9115% | 2,797 |
| Pretax return on assets | 1.4429% | 1,835 |
| Return on Equity (ROE) | 11.4786% | 1,821 |
| Retained earnings to average equity (ytd only) | 11.4786% | 887 |
| Net charge-offs to loans | 0.4066% | 2,477 |
| Credit loss provision to net charge-offs | 47.3373% | 4,719 |
| Earnings coverage of net charge-offs (x) | 4.0994% | 2,977 |
| Efficiency ratio | 62.6583% | 5,941 |
| Assets per employee ($millions) | 4.9716% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 7,711 |
| Loan loss allowance to noncurrent loans | 48.3860% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 4,474 |
| Noncurrent loans to loans | 1.1856% | 4,602 |
| Net loans and leases to total assets | 86.3231% | 402 |
| Net loans and leases to deposits | 122.2914% | 249 |
| Net loans and leases to core deposits | 128.5135% | 1,745 |
| Total domestic deposits to total assets | 70.5880% | 7,376 |
| Equity capital to assets | 8.4073% | 6,221 |
| Core capital (leverage) ratio | 9.0797% | 4,585 |
| Tier 1 risk-based capital ratio | 13.5209% | 3,847 |
| Total risk-based capital ratio | 14.2526% | 4,106 |
| Memoranda: | ||
| Average total assets | $1,886,493,000 | 395 |
| Average earning assets | $1,751,759,500 | 384 |
| Average equity | $149,809,000 | 467 |
| Average total loans | $1,662,456,500 | 329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9112% | 5,984 |
| Cost of funding earning assets | 2.5374% | 4,011 |
| Net interest margin | 3.3739% | 5,772 |
| Noninterest income to average assets | 0.6450% | 3,510 |
| Noninterest expense to average assets | 2.4900% | 6,045 |
| Loan and lease loss provision to assets | 0.0941% | 6,185 |
| Net operating income to assets | 0.7830% | 3,511 |
| Return on assets (ROA) | 0.8468% | 3,071 |
| Pretax return on assets | 1.2869% | 2,355 |
| Return on Equity (ROE) | 11.4970% | 1,756 |
| Retained earnings to average equity (ytd only) | 9.1931% | 574 |
| Net charge-offs to loans | 0.0910% | 5,437 |
| Credit loss provision to net charge-offs | 116.9302% | 4,614 |
| Earnings coverage of net charge-offs (x) | 15.9565% | 1,889 |
| Efficiency ratio | 65.9713% | 5,131 |
| Assets per employee ($millions) | 4.7180% | 2,300 |
| Cash dividends to net income (ytd only)* | 20.0388% | 4,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 7,619 |
| Loan loss allowance to noncurrent loans | 64.9691% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 4,522 |
| Noncurrent loans to loans | 0.9647% | 4,670 |
| Net loans and leases to total assets | 88.9052% | 290 |
| Net loans and leases to deposits | 125.7564% | 275 |
| Net loans and leases to core deposits | 132.3553% | 1,701 |
| Total domestic deposits to total assets | 70.6964% | 7,205 |
| Equity capital to assets | 7.4611% | 7,416 |
| Core capital (leverage) ratio | 8.1033% | 6,320 |
| Tier 1 risk-based capital ratio | 11.8337% | 4,957 |
| Total risk-based capital ratio | 12.6428% | 5,242 |
| Memoranda: | ||
| Average total assets | $1,885,897,000 | 378 |
| Average earning assets | $1,749,245,400 | 372 |
| Average equity | $138,897,600 | 505 |
| Average total loans | $1,667,853,400 | 323 |