Home > PlainsCapital Bank > Performance and Condition Ratios
PlainsCapital 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 | 5.2932% | 1,501 |
| Cost of funding earning assets | 2.3001% | 544 |
| Net interest margin | 2.9931% | 3,300 |
| Noninterest income to average assets | 2.6500% | 206 |
| Noninterest expense to average assets | 4.2958% | 308 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.8193% | 2,807 |
| Return on assets (ROA) | 0.7702% | 2,953 |
| Pretax return on assets | 0.9505% | 2,814 |
| Return on Equity (ROE) | 6.7800% | 3,335 |
| Retained earnings to average equity (ytd only) | -0.0003% | 4,081 |
| Net charge-offs to loans | 0.0273% | 1,770 |
| Credit loss provision to net charge-offs | 765.1797% | 494 |
| Earnings coverage of net charge-offs (x) | 63.9240% | 1,153 |
| Efficiency ratio | 78.7930% | 1,001 |
| Assets per employee ($millions) | 5.2619% | 3,423 |
| Cash dividends to net income (ytd only)* | 100.0038% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 1,854 |
| Loan loss allowance to noncurrent loans | 60.6879% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 282 |
| Noncurrent loans to loans | 2.1159% | 259 |
| Net loans and leases to total assets | 63.8200% | 2,480 |
| Net loans and leases to deposits | 77.3049% | 2,329 |
| Net loans and leases to core deposits | 82.8523% | 2,533 |
| Total domestic deposits to total assets | 82.5600% | 3,000 |
| Equity capital to assets | 11.5567% | 1,264 |
| Core capital (leverage) ratio | 10.5501% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5756% | 1,167 |
| Memoranda: | ||
| Average total assets | $13,631,689,400 | 130 |
| Average earning assets | $12,682,819,800 | 123 |
| Average equity | $1,549,151,400 | 115 |
| Average total loans | $8,875,806,000 | 135 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2219% | 1,416 |
| Cost of funding earning assets | 2.1755% | 520 |
| Net interest margin | 3.0464% | 3,245 |
| Noninterest income to average assets | 2.7300% | 213 |
| Noninterest expense to average assets | 4.3759% | 294 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.8399% | 2,898 |
| Return on assets (ROA) | 0.7927% | 3,043 |
| Pretax return on assets | 0.9696% | 2,931 |
| Return on Equity (ROE) | 7.0000% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.7866% | 3,558 |
| Net charge-offs to loans | 0.0261% | 1,549 |
| Credit loss provision to net charge-offs | 983.1139% | 411 |
| Earnings coverage of net charge-offs (x) | 69.5730% | 1,117 |
| Efficiency ratio | 78.3942% | 979 |
| Assets per employee ($millions) | 5.0501% | 3,567 |
| Cash dividends to net income (ytd only)* | 60.2143% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,146 |
| Loan loss allowance to noncurrent loans | 80.2617% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 466 |
| Noncurrent loans to loans | 1.5496% | 457 |
| Net loans and leases to total assets | 65.4200% | 2,297 |
| Net loans and leases to deposits | 79.3099% | 2,115 |
| Net loans and leases to core deposits | 85.7830% | 2,200 |
| Total domestic deposits to total assets | 82.4900% | 3,124 |
| Equity capital to assets | 11.5903% | 1,154 |
| Core capital (leverage) ratio | 10.6225% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4540% | 1,211 |
| Memoranda: | ||
| Average total assets | $13,687,769,000 | 130 |
| Average earning assets | $12,724,500,250 | 124 |
| Average equity | $1,549,076,750 | 117 |
| Average total loans | $8,927,617,250 | 136 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 1,476 |
| Cost of funding earning assets | 1.9713% | 524 |
| Net interest margin | 3.0743% | 3,274 |
| Noninterest income to average assets | 2.6100% | 196 |
| Noninterest expense to average assets | 4.3657% | 289 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 0.7515% | 3,212 |
| Return on assets (ROA) | 0.7083% | 3,331 |
| Pretax return on assets | 0.8200% | 3,354 |
| Return on Equity (ROE) | 6.3100% | 3,625 |
| Retained earnings to average equity (ytd only) | 1.7824% | 3,763 |
| Net charge-offs to loans | 0.0739% | 832 |
| Credit loss provision to net charge-offs | 499.5459% | 657 |
| Earnings coverage of net charge-offs (x) | 22.9915% | 1,683 |
| Efficiency ratio | 79.5070% | 872 |
| Assets per employee ($millions) | 5.0164% | 3,589 |
| Cash dividends to net income (ytd only)* | 71.7448% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,634 |
| Loan loss allowance to noncurrent loans | 64.1484% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2350% | 322 |
| Noncurrent loans to loans | 1.8136% | 330 |
| Net loans and leases to total assets | 65.9400% | 2,159 |
| Net loans and leases to deposits | 82.8844% | 1,770 |
| Net loans and leases to core deposits | 89.4465% | 1,831 |
| Total domestic deposits to total assets | 79.5600% | 3,642 |
| Equity capital to assets | 11.1003% | 1,348 |
| Core capital (leverage) ratio | 10.2780% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5626% | 1,413 |
| Memoranda: | ||
| Average total assets | $13,774,325,667 | 127 |
| Average earning assets | $12,803,993,667 | 122 |
| Average equity | $1,546,651,333 | 115 |
| Average total loans | $8,938,284,667 | 133 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,641 |
| Cost of funding earning assets | 1.5976% | 700 |
| Net interest margin | 3.1953% | 3,126 |
| Noninterest income to average assets | 2.3100% | 206 |
| Noninterest expense to average assets | 4.2331% | 315 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9273% | 2,765 |
| Return on assets (ROA) | 0.8817% | 2,871 |
| Pretax return on assets | 0.9514% | 3,122 |
| Return on Equity (ROE) | 7.8100% | 3,338 |
| Retained earnings to average equity (ytd only) | 3.9232% | 3,290 |
| Net charge-offs to loans | 0.0192% | 1,293 |
| Credit loss provision to net charge-offs | 381.8616% | 617 |
| Earnings coverage of net charge-offs (x) | 85.1766% | 866 |
| Efficiency ratio | 79.8787% | 842 |
| Assets per employee ($millions) | 4.8280% | 3,776 |
| Cash dividends to net income (ytd only)* | 49.7479% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,115 |
| Loan loss allowance to noncurrent loans | 67.9269% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 383 |
| Noncurrent loans to loans | 1.6012% | 404 |
| Net loans and leases to total assets | 63.3500% | 2,312 |
| Net loans and leases to deposits | 79.4617% | 1,857 |
| Net loans and leases to core deposits | 82.6290% | 2,084 |
| Total domestic deposits to total assets | 79.7200% | 3,803 |
| Equity capital to assets | 11.2470% | 1,248 |
| Core capital (leverage) ratio | 10.6933% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9447% | 1,385 |
| Memoranda: | ||
| Average total assets | $13,678,660,500 | 129 |
| Average earning assets | $12,690,448,500 | 124 |
| Average equity | $1,544,865,500 | 117 |
| Average total loans | $8,748,423,000 | 137 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 2,796 |
| Cost of funding earning assets | 0.5366% | 1,177 |
| Net interest margin | 3.0651% | 3,276 |
| Noninterest income to average assets | 3.5000% | 158 |
| Noninterest expense to average assets | 5.0139% | 215 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9956% | 2,581 |
| Return on assets (ROA) | 0.9626% | 2,656 |
| Pretax return on assets | 1.2538% | 2,266 |
| Return on Equity (ROE) | 8.5500% | 3,242 |
| Retained earnings to average equity (ytd only) | -4.2454% | 4,554 |
| Net charge-offs to loans | 0.0479% | 1,204 |
| Credit loss provision to net charge-offs | 195.5440% | 1,141 |
| Earnings coverage of net charge-offs (x) | 45.3572% | 1,431 |
| Efficiency ratio | 78.4998% | 822 |
| Assets per employee ($millions) | 4.5721% | 3,986 |
| Cash dividends to net income (ytd only)* | 149.6580% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 2,884 |
| Loan loss allowance to noncurrent loans | 78.2858% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 482 |
| Noncurrent loans to loans | 1.4084% | 471 |
| Net loans and leases to total assets | 63.1200% | 2,319 |
| Net loans and leases to deposits | 76.0049% | 2,096 |
| Net loans and leases to core deposits | 78.6390% | 2,230 |
| Total domestic deposits to total assets | 83.0500% | 3,410 |
| Equity capital to assets | 11.3982% | 1,114 |
| Core capital (leverage) ratio | 10.2600% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9088% | 1,388 |
| Memoranda: | ||
| Average total assets | $14,230,081,000 | 131 |
| Average earning assets | $13,269,574,000 | 127 |
| Average equity | $1,602,219,400 | 119 |
| Average total loans | $8,814,432,600 | 137 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 3,153 |
| Cost of funding earning assets | 0.3286% | 1,873 |
| Net interest margin | 2.9814% | 3,269 |
| Noninterest income to average assets | 3.8500% | 153 |
| Noninterest expense to average assets | 5.1988% | 207 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0772% | 2,180 |
| Return on assets (ROA) | 1.0399% | 2,288 |
| Pretax return on assets | 1.3566% | 1,861 |
| Return on Equity (ROE) | 9.2600% | 2,950 |
| Retained earnings to average equity (ytd only) | -5.5768% | 4,616 |
| Net charge-offs to loans | 0.0638% | 853 |
| Credit loss provision to net charge-offs | 102.0047% | 1,306 |
| Earnings coverage of net charge-offs (x) | 36.5410% | 1,422 |
| Efficiency ratio | 78.0336% | 908 |
| Assets per employee ($millions) | 4.2660% | 4,188 |
| Cash dividends to net income (ytd only)* | 160.2065% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,149 |
| Loan loss allowance to noncurrent loans | 69.9975% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 468 |
| Noncurrent loans to loans | 1.5273% | 454 |
| Net loans and leases to total assets | 61.9200% | 2,299 |
| Net loans and leases to deposits | 75.3778% | 1,928 |
| Net loans and leases to core deposits | 78.0781% | 2,037 |
| Total domestic deposits to total assets | 82.1500% | 3,817 |
| Equity capital to assets | 11.3416% | 1,059 |
| Core capital (leverage) ratio | 10.2935% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5415% | 1,554 |
| Memoranda: | ||
| Average total assets | $14,405,355,250 | 129 |
| Average earning assets | $13,464,211,000 | 127 |
| Average equity | $1,617,258,750 | 120 |
| Average total loans | $8,859,319,500 | 133 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0033% | 3,552 |
| Cost of funding earning assets | 0.2110% | 2,764 |
| Net interest margin | 2.7923% | 3,468 |
| Noninterest income to average assets | 4.1844% | 111 |
| Noninterest expense to average assets | 5.2346% | 160 |
| Loan and lease loss provision to assets | 0.0679% | 1,398 |
| Net operating income to assets | 1.1565% | 1,581 |
| Return on assets (ROA) | 1.1123% | 1,707 |
| Pretax return on assets | 1.4574% | 1,291 |
| Return on Equity (ROE) | 9.9394% | 2,357 |
| Retained earnings to average equity (ytd only) | -7.7355% | 4,618 |
| Net charge-offs to loans | 0.0336% | 1,065 |
| Credit loss provision to net charge-offs | 330.5648% | 766 |
| Earnings coverage of net charge-offs (x) | 76.4458% | 956 |
| Efficiency ratio | 76.5906% | 1,211 |
| Assets per employee ($millions) | 4.0605% | 4,338 |
| Cash dividends to net income (ytd only)* | 177.8268% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,337 |
| Loan loss allowance to noncurrent loans | 80.7334% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 610 |
| Noncurrent loans to loans | 1.3099% | 601 |
| Net loans and leases to total assets | 63.5462% | 1,961 |
| Net loans and leases to deposits | 75.9777% | 1,686 |
| Net loans and leases to core deposits | 79.5407% | 1,745 |
| Total domestic deposits to total assets | 83.6380% | 3,764 |
| Equity capital to assets | 11.2972% | 1,103 |
| Core capital (leverage) ratio | 9.6675% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5479% | 1,559 |
| Memoranda: | ||
| Average total assets | $14,661,052,000 | 128 |
| Average earning assets | $13,754,702,000 | 126 |
| Average equity | $1,640,744,667 | 119 |
| Average total loans | $8,966,947,000 | 132 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7424% | 3,860 |
| Cost of funding earning assets | 0.1637% | 3,313 |
| Net interest margin | 2.5786% | 3,710 |
| Noninterest income to average assets | 4.1271% | 119 |
| Noninterest expense to average assets | 5.1439% | 168 |
| Loan and lease loss provision to assets | -0.0013% | 4,390 |
| Net operating income to assets | 1.0966% | 1,537 |
| Return on assets (ROA) | 1.0560% | 1,660 |
| Pretax return on assets | 1.3706% | 1,328 |
| Return on Equity (ROE) | 9.4777% | 2,162 |
| Retained earnings to average equity (ytd only) | -6.0544% | 4,458 |
| Net charge-offs to loans | 0.0126% | 1,307 |
| Credit loss provision to net charge-offs | -17.7305% | 2,771 |
| Earnings coverage of net charge-offs (x) | 187.7837% | 450 |
| Efficiency ratio | 78.1401% | 1,305 |
| Assets per employee ($millions) | 4.1422% | 4,334 |
| Cash dividends to net income (ytd only)* | 163.8807% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,641 |
| Loan loss allowance to noncurrent loans | 69.4146% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 610 |
| Noncurrent loans to loans | 1.4662% | 568 |
| Net loans and leases to total assets | 58.7902% | 2,207 |
| Net loans and leases to deposits | 69.3712% | 2,025 |
| Net loans and leases to core deposits | 72.8844% | 2,034 |
| Total domestic deposits to total assets | 84.7472% | 3,599 |
| Equity capital to assets | 10.8207% | 1,426 |
| Core capital (leverage) ratio | 9.7299% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2073% | 1,455 |
| Memoranda: | ||
| Average total assets | $15,023,796,000 | 128 |
| Average earning assets | $14,138,582,500 | 123 |
| Average equity | $1,673,953,000 | 122 |
| Average total loans | $8,975,337,000 | 131 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1831% | 3,508 |
| Cost of funding earning assets | 0.2529% | 2,890 |
| Net interest margin | 2.9302% | 3,372 |
| Noninterest income to average assets | 7.1812% | 84 |
| Noninterest expense to average assets | 6.6847% | 111 |
| Loan and lease loss provision to assets | -0.4070% | 4,806 |
| Net operating income to assets | 2.7777% | 118 |
| Return on assets (ROA) | 2.7072% | 130 |
| Pretax return on assets | 3.5612% | 98 |
| Return on Equity (ROE) | 23.0130% | 174 |
| Retained earnings to average equity (ytd only) | 5.4680% | 2,581 |
| Net charge-offs to loans | -0.0054% | 3,574 |
| Credit loss provision to net charge-offs | 11,166.0269% | 60 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1677% | 2,099 |
| Assets per employee ($millions) | 4.0660% | 4,404 |
| Cash dividends to net income (ytd only)* | 76.2396% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,704 |
| Loan loss allowance to noncurrent loans | 82.1407% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 809 |
| Noncurrent loans to loans | 1.2299% | 783 |
| Net loans and leases to total assets | 59.4801% | 2,212 |
| Net loans and leases to deposits | 69.6467% | 2,166 |
| Net loans and leases to core deposits | 73.2959% | 2,133 |
| Total domestic deposits to total assets | 85.4026% | 3,132 |
| Equity capital to assets | 11.4635% | 1,525 |
| Core capital (leverage) ratio | 10.2038% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7677% | 1,321 |
| Memoranda: | ||
| Average total assets | $14,292,965,600 | 129 |
| Average earning assets | $13,307,582,400 | 128 |
| Average equity | $1,681,387,000 | 125 |
| Average total loans | $9,563,361,000 | 127 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 3,432 |
| Cost of funding earning assets | 0.2722% | 2,870 |
| Net interest margin | 3.0113% | 3,273 |
| Noninterest income to average assets | 7.7876% | 84 |
| Noninterest expense to average assets | 6.9941% | 108 |
| Loan and lease loss provision to assets | -0.3753% | 4,855 |
| Net operating income to assets | 3.0339% | 122 |
| Return on assets (ROA) | 2.9595% | 128 |
| Pretax return on assets | 3.8871% | 92 |
| Return on Equity (ROE) | 24.9883% | 177 |
| Retained earnings to average equity (ytd only) | 1.4542% | 4,318 |
| Net charge-offs to loans | -0.0016% | 3,183 |
| Credit loss provision to net charge-offs | 34,245.6897% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8206% | 2,122 |
| Assets per employee ($millions) | 3.8528% | 4,522 |
| Cash dividends to net income (ytd only)* | 94.1806% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,938 |
| Loan loss allowance to noncurrent loans | 46.1064% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.7925% | 231 |
| Noncurrent loans to loans | 2.6275% | 274 |
| Net loans and leases to total assets | 61.7615% | 2,035 |
| Net loans and leases to deposits | 73.6046% | 1,898 |
| Net loans and leases to core deposits | 78.4429% | 1,862 |
| Total domestic deposits to total assets | 83.9099% | 3,483 |
| Equity capital to assets | 11.4933% | 1,686 |
| Core capital (leverage) ratio | 10.0198% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3238% | 1,536 |
| Memoranda: | ||
| Average total assets | $14,111,284,750 | 130 |
| Average earning assets | $13,086,901,500 | 128 |
| Average equity | $1,671,289,000 | 127 |
| Average total loans | $9,697,976,000 | 124 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3538% | 3,299 |
| Cost of funding earning assets | 0.2919% | 2,857 |
| Net interest margin | 3.0620% | 3,138 |
| Noninterest income to average assets | 8.1521% | 79 |
| Noninterest expense to average assets | 7.2695% | 103 |
| Loan and lease loss provision to assets | -0.4847% | 4,902 |
| Net operating income to assets | 3.2169% | 105 |
| Return on assets (ROA) | 3.1349% | 115 |
| Pretax return on assets | 4.1166% | 87 |
| Return on Equity (ROE) | 26.2028% | 165 |
| Retained earnings to average equity (ytd only) | 5.3185% | 3,064 |
| Net charge-offs to loans | -0.0011% | 3,098 |
| Credit loss provision to net charge-offs | 62,870.3704% | 6 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9020% | 2,174 |
| Assets per employee ($millions) | 3.7525% | 4,580 |
| Cash dividends to net income (ytd only)* | 79.7027% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,136 |
| Loan loss allowance to noncurrent loans | 36.6418% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.3575% | 157 |
| Noncurrent loans to loans | 3.1678% | 220 |
| Net loans and leases to total assets | 68.9248% | 1,336 |
| Net loans and leases to deposits | 82.8021% | 1,140 |
| Net loans and leases to core deposits | 89.0292% | 1,205 |
| Total domestic deposits to total assets | 83.2404% | 3,656 |
| Equity capital to assets | 11.8995% | 1,417 |
| Core capital (leverage) ratio | 10.2159% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9464% | 1,650 |
| Memoranda: | ||
| Average total assets | $14,008,019,000 | 130 |
| Average earning assets | $12,953,213,667 | 128 |
| Average equity | $1,675,899,333 | 127 |
| Average total loans | $9,925,333,667 | 121 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 3,247 |
| Cost of funding earning assets | 0.3197% | 2,796 |
| Net interest margin | 3.0644% | 3,096 |
| Noninterest income to average assets | 9.1891% | 77 |
| Noninterest expense to average assets | 7.6198% | 99 |
| Loan and lease loss provision to assets | -0.1488% | 4,773 |
| Net operating income to assets | 3.4739% | 111 |
| Return on assets (ROA) | 3.3802% | 128 |
| Pretax return on assets | 4.4454% | 88 |
| Return on Equity (ROE) | 28.1758% | 179 |
| Retained earnings to average equity (ytd only) | 10.2010% | 1,602 |
| Net charge-offs to loans | -0.0227% | 4,057 |
| Credit loss provision to net charge-offs | 917.5532% | 440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1821% | 2,581 |
| Assets per employee ($millions) | 3.7926% | 4,587 |
| Cash dividends to net income (ytd only)* | 63.7950% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,713 |
| Loan loss allowance to noncurrent loans | 41.9847% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.5538% | 152 |
| Noncurrent loans to loans | 3.4947% | 191 |
| Net loans and leases to total assets | 68.0635% | 1,523 |
| Net loans and leases to deposits | 82.2954% | 1,317 |
| Net loans and leases to core deposits | 92.3267% | 1,096 |
| Total domestic deposits to total assets | 82.7064% | 3,759 |
| Equity capital to assets | 11.8327% | 1,374 |
| Core capital (leverage) ratio | 10.4975% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6352% | 1,692 |
| Memoranda: | ||
| Average total assets | $13,912,207,000 | 131 |
| Average earning assets | $12,808,380,000 | 130 |
| Average equity | $1,669,007,000 | 128 |
| Average total loans | $9,936,994,000 | 122 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 3,298 |
| Cost of funding earning assets | 0.5443% | 2,642 |
| Net interest margin | 3.2564% | 3,189 |
| Noninterest income to average assets | 9.3986% | 71 |
| Noninterest expense to average assets | 7.6569% | 100 |
| Loan and lease loss provision to assets | 0.7492% | 188 |
| Net operating income to assets | 3.0545% | 91 |
| Return on assets (ROA) | 2.8976% | 104 |
| Pretax return on assets | 3.8324% | 76 |
| Return on Equity (ROE) | 23.3373% | 134 |
| Retained earnings to average equity (ytd only) | 7.6915% | 1,147 |
| Net charge-offs to loans | 0.2192% | 792 |
| Credit loss provision to net charge-offs | 455.5282% | 1,324 |
| Earnings coverage of net charge-offs (x) | 28.8097% | 1,647 |
| Efficiency ratio | 61.4494% | 3,233 |
| Assets per employee ($millions) | 3.6832% | 4,571 |
| Cash dividends to net income (ytd only)* | 67.0420% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,648 |
| Loan loss allowance to noncurrent loans | 46.2769% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.5223% | 179 |
| Noncurrent loans to loans | 3.2018% | 249 |
| Net loans and leases to total assets | 72.7908% | 1,188 |
| Net loans and leases to deposits | 88.1411% | 1,078 |
| Net loans and leases to core deposits | 101.5678% | 836 |
| Total domestic deposits to total assets | 82.5844% | 3,517 |
| Equity capital to assets | 12.1683% | 1,490 |
| Core capital (leverage) ratio | 10.4364% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2738% | 1,750 |
| Memoranda: | ||
| Average total assets | $12,857,579,000 | 129 |
| Average earning assets | $11,830,916,200 | 128 |
| Average equity | $1,596,409,000 | 129 |
| Average total loans | $9,647,744,200 | 122 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 3,423 |
| Cost of funding earning assets | 0.5950% | 2,645 |
| Net interest margin | 3.2502% | 3,334 |
| Noninterest income to average assets | 9.5120% | 71 |
| Noninterest expense to average assets | 7.5664% | 101 |
| Loan and lease loss provision to assets | 1.0507% | 118 |
| Net operating income to assets | 3.0050% | 93 |
| Return on assets (ROA) | 2.8348% | 111 |
| Pretax return on assets | 3.7165% | 79 |
| Return on Equity (ROE) | 22.7098% | 159 |
| Retained earnings to average equity (ytd only) | 10.0868% | 744 |
| Net charge-offs to loans | 0.2577% | 598 |
| Credit loss provision to net charge-offs | 541.1226% | 1,230 |
| Earnings coverage of net charge-offs (x) | 25.4262% | 1,723 |
| Efficiency ratio | 60.1768% | 3,365 |
| Assets per employee ($millions) | 3.7899% | 4,480 |
| Cash dividends to net income (ytd only)* | 55.5840% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 1,226 |
| Loan loss allowance to noncurrent loans | 57.6069% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.1542% | 284 |
| Noncurrent loans to loans | 2.6942% | 376 |
| Net loans and leases to total assets | 71.9332% | 1,675 |
| Net loans and leases to deposits | 86.2735% | 1,666 |
| Net loans and leases to core deposits | 101.7988% | 1,041 |
| Total domestic deposits to total assets | 83.3780% | 3,031 |
| Equity capital to assets | 12.0840% | 1,632 |
| Core capital (leverage) ratio | 10.1946% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4872% | 1,664 |
| Memoranda: | ||
| Average total assets | $12,673,299,750 | 130 |
| Average earning assets | $11,664,899,250 | 129 |
| Average equity | $1,581,949,000 | 130 |
| Average total loans | $9,548,550,250 | 124 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,352 |
| Cost of funding earning assets | 0.6618% | 2,618 |
| Net interest margin | 3.3289% | 3,313 |
| Noninterest income to average assets | 8.7403% | 71 |
| Noninterest expense to average assets | 7.3821% | 101 |
| Loan and lease loss provision to assets | 1.6188% | 69 |
| Net operating income to assets | 2.1596% | 235 |
| Return on assets (ROA) | 1.9967% | 374 |
| Pretax return on assets | 2.6384% | 171 |
| Return on Equity (ROE) | 15.8093% | 599 |
| Retained earnings to average equity (ytd only) | 9.4222% | 903 |
| Net charge-offs to loans | 0.3806% | 416 |
| Credit loss provision to net charge-offs | 558.2728% | 1,154 |
| Earnings coverage of net charge-offs (x) | 15.2426% | 1,919 |
| Efficiency ratio | 62.1762% | 3,100 |
| Assets per employee ($millions) | 3.8790% | 4,410 |
| Cash dividends to net income (ytd only)* | 40.4012% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,116 |
| Loan loss allowance to noncurrent loans | 80.6620% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5908% | 564 |
| Noncurrent loans to loans | 1.9257% | 710 |
| Net loans and leases to total assets | 71.4679% | 1,805 |
| Net loans and leases to deposits | 85.1739% | 1,858 |
| Net loans and leases to core deposits | 104.0273% | 1,002 |
| Total domestic deposits to total assets | 83.9082% | 2,778 |
| Equity capital to assets | 11.6279% | 1,893 |
| Core capital (leverage) ratio | 10.3698% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8835% | 1,865 |
| Memoranda: | ||
| Average total assets | $12,339,718,667 | 132 |
| Average earning assets | $11,348,883,333 | 131 |
| Average equity | $1,558,473,667 | 130 |
| Average total loans | $9,400,987,000 | 124 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,789 |
| Cost of funding earning assets | 0.7680% | 2,556 |
| Net interest margin | 3.5749% | 2,755 |
| Noninterest income to average assets | 6.4891% | 79 |
| Noninterest expense to average assets | 6.8012% | 125 |
| Loan and lease loss provision to assets | 1.1810% | 156 |
| Net operating income to assets | 1.3757% | 1,046 |
| Return on assets (ROA) | 1.2548% | 1,469 |
| Pretax return on assets | 1.6567% | 933 |
| Return on Equity (ROE) | 9.4877% | 1,917 |
| Retained earnings to average equity (ytd only) | 4.7980% | 2,368 |
| Net charge-offs to loans | 0.0663% | 1,360 |
| Credit loss provision to net charge-offs | 2,272.8780% | 316 |
| Earnings coverage of net charge-offs (x) | 56.9237% | 827 |
| Efficiency ratio | 69.2105% | 2,479 |
| Assets per employee ($millions) | 3.3794% | 4,575 |
| Cash dividends to net income (ytd only)* | 49.4288% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,947 |
| Loan loss allowance to noncurrent loans | 56.3888% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.7181% | 563 |
| Noncurrent loans to loans | 2.0353% | 692 |
| Net loans and leases to total assets | 77.1413% | 1,108 |
| Net loans and leases to deposits | 95.9799% | 909 |
| Net loans and leases to core deposits | 113.2923% | 695 |
| Total domestic deposits to total assets | 80.3723% | 3,785 |
| Equity capital to assets | 13.0199% | 1,418 |
| Core capital (leverage) ratio | 12.0580% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2632% | 2,170 |
| Memoranda: | ||
| Average total assets | $11,608,802,000 | 134 |
| Average earning assets | $10,618,600,500 | 133 |
| Average equity | $1,535,292,000 | 133 |
| Average total loans | $9,091,820,500 | 122 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 1,763 |
| Cost of funding earning assets | 0.9442% | 1,987 |
| Net interest margin | 3.9512% | 1,992 |
| Noninterest income to average assets | 6.3358% | 84 |
| Noninterest expense to average assets | 7.5088% | 97 |
| Loan and lease loss provision to assets | 0.0687% | 2,639 |
| Net operating income to assets | 1.8292% | 497 |
| Return on assets (ROA) | 1.7522% | 625 |
| Pretax return on assets | 2.2805% | 321 |
| Return on Equity (ROE) | 12.3754% | 1,375 |
| Retained earnings to average equity (ytd only) | 2.8405% | 3,621 |
| Net charge-offs to loans | 0.0674% | 2,126 |
| Credit loss provision to net charge-offs | 131.0295% | 1,947 |
| Earnings coverage of net charge-offs (x) | 46.3503% | 1,189 |
| Efficiency ratio | 74.9461% | 1,495 |
| Assets per employee ($millions) | 3.1253% | 4,752 |
| Cash dividends to net income (ytd only)* | 77.0470% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,603 |
| Loan loss allowance to noncurrent loans | 42.5292% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 729 |
| Noncurrent loans to loans | 1.6119% | 874 |
| Net loans and leases to total assets | 78.0744% | 1,074 |
| Net loans and leases to deposits | 101.2999% | 514 |
| Net loans and leases to core deposits | 111.1732% | 792 |
| Total domestic deposits to total assets | 77.0726% | 4,482 |
| Equity capital to assets | 13.4405% | 1,304 |
| Core capital (leverage) ratio | 11.6056% | 2,036 |
| Tier 1 risk-based capital ratio | 13.4474% | 3,552 |
| Total risk-based capital ratio | 14.1345% | 3,732 |
| Memoranda: | ||
| Average total assets | $10,592,328,600 | 134 |
| Average earning assets | $9,661,901,400 | 135 |
| Average equity | $1,499,756,200 | 130 |
| Average total loans | $8,244,935,400 | 128 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 1,602 |
| Cost of funding earning assets | 0.9596% | 1,938 |
| Net interest margin | 4.0175% | 1,876 |
| Noninterest income to average assets | 6.4642% | 84 |
| Noninterest expense to average assets | 7.5570% | 100 |
| Loan and lease loss provision to assets | 0.0045% | 3,781 |
| Net operating income to assets | 1.9844% | 407 |
| Return on assets (ROA) | 1.9058% | 504 |
| Pretax return on assets | 2.4776% | 259 |
| Return on Equity (ROE) | 13.2765% | 1,185 |
| Retained earnings to average equity (ytd only) | 3.1907% | 3,810 |
| Net charge-offs to loans | 0.0695% | 1,835 |
| Credit loss provision to net charge-offs | 8.4363% | 3,009 |
| Earnings coverage of net charge-offs (x) | 47.6233% | 1,233 |
| Efficiency ratio | 74.0299% | 1,564 |
| Assets per employee ($millions) | 3.0209% | 4,881 |
| Cash dividends to net income (ytd only)* | 75.9674% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 4,758 |
| Loan loss allowance to noncurrent loans | 45.5587% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 969 |
| Noncurrent loans to loans | 1.3929% | 1,098 |
| Net loans and leases to total assets | 78.3342% | 1,089 |
| Net loans and leases to deposits | 103.0936% | 448 |
| Net loans and leases to core deposits | 113.0609% | 793 |
| Total domestic deposits to total assets | 75.9835% | 4,653 |
| Equity capital to assets | 13.6657% | 1,286 |
| Core capital (leverage) ratio | 11.7894% | 2,004 |
| Tier 1 risk-based capital ratio | 13.2496% | 3,716 |
| Total risk-based capital ratio | 13.8730% | 3,947 |
| Memoranda: | ||
| Average total assets | $10,406,530,250 | 135 |
| Average earning assets | $9,481,477,000 | 137 |
| Average equity | $1,493,808,000 | 130 |
| Average total loans | $8,078,360,750 | 130 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 1,500 |
| Cost of funding earning assets | 0.9333% | 1,987 |
| Net interest margin | 4.0609% | 1,723 |
| Noninterest income to average assets | 5.9064% | 83 |
| Noninterest expense to average assets | 7.3770% | 99 |
| Loan and lease loss provision to assets | 0.0070% | 3,590 |
| Net operating income to assets | 1.7212% | 696 |
| Return on assets (ROA) | 1.6777% | 790 |
| Pretax return on assets | 2.1791% | 460 |
| Return on Equity (ROE) | 11.4871% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.3738% | 2,110 |
| Net charge-offs to loans | 0.1168% | 1,263 |
| Credit loss provision to net charge-offs | 7.7376% | 2,698 |
| Earnings coverage of net charge-offs (x) | 24.7269% | 1,621 |
| Efficiency ratio | 76.1217% | 1,385 |
| Assets per employee ($millions) | 2.8246% | 5,002 |
| Cash dividends to net income (ytd only)* | 44.5137% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 4,760 |
| Loan loss allowance to noncurrent loans | 48.0956% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 1,001 |
| Noncurrent loans to loans | 1.3908% | 1,118 |
| Net loans and leases to total assets | 77.5366% | 1,307 |
| Net loans and leases to deposits | 100.8081% | 621 |
| Net loans and leases to core deposits | 110.2339% | 963 |
| Total domestic deposits to total assets | 76.9151% | 4,572 |
| Equity capital to assets | 14.4223% | 973 |
| Core capital (leverage) ratio | 12.5253% | 1,523 |
| Tier 1 risk-based capital ratio | 13.8400% | 3,399 |
| Total risk-based capital ratio | 14.4830% | 3,628 |
| Memoranda: | ||
| Average total assets | $10,176,783,330 | 140 |
| Average earning assets | $9,272,592,330 | 139 |
| Average equity | $1,486,305,670 | 130 |
| Average total loans | $7,855,382,670 | 133 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 1,294 |
| Cost of funding earning assets | 0.8871% | 2,063 |
| Net interest margin | 4.1305% | 1,479 |
| Noninterest income to average assets | 5.0799% | 92 |
| Noninterest expense to average assets | 7.0193% | 106 |
| Loan and lease loss provision to assets | 0.0411% | 2,808 |
| Net operating income to assets | 1.3781% | 1,437 |
| Return on assets (ROA) | 1.3541% | 1,556 |
| Pretax return on assets | 1.7576% | 1,082 |
| Return on Equity (ROE) | 9.2107% | 2,707 |
| Retained earnings to average equity (ytd only) | 2.3991% | 3,955 |
| Net charge-offs to loans | 0.0850% | 1,252 |
| Credit loss provision to net charge-offs | 62.9607% | 1,895 |
| Earnings coverage of net charge-offs (x) | 27.9478% | 1,368 |
| Efficiency ratio | 78.6461% | 1,200 |
| Assets per employee ($millions) | 2.6360% | 5,132 |
| Cash dividends to net income (ytd only)* | 73.9536% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 4,588 |
| Loan loss allowance to noncurrent loans | 52.0442% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 918 |
| Noncurrent loans to loans | 1.4897% | 1,081 |
| Net loans and leases to total assets | 76.2212% | 1,442 |
| Net loans and leases to deposits | 94.8389% | 1,075 |
| Net loans and leases to core deposits | 103.7306% | 1,333 |
| Total domestic deposits to total assets | 80.3691% | 4,101 |
| Equity capital to assets | 14.9615% | 760 |
| Core capital (leverage) ratio | 12.6052% | 1,453 |
| Tier 1 risk-based capital ratio | 13.8883% | 3,399 |
| Total risk-based capital ratio | 14.5974% | 3,603 |
| Memoranda: | ||
| Average total assets | $9,986,007,000 | 141 |
| Average earning assets | $9,095,030,000 | 141 |
| Average equity | $1,468,078,500 | 131 |
| Average total loans | $7,662,221,500 | 137 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 1,141 |
| Cost of funding earning assets | 0.7034% | 2,070 |
| Net interest margin | 4.2530% | 1,271 |
| Noninterest income to average assets | 5.9901% | 86 |
| Noninterest expense to average assets | 8.1499% | 89 |
| Loan and lease loss provision to assets | 0.0543% | 3,083 |
| Net operating income to assets | 1.3109% | 1,752 |
| Return on assets (ROA) | 1.2740% | 1,896 |
| Pretax return on assets | 1.6311% | 1,374 |
| Return on Equity (ROE) | 8.8286% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.8579% | 2,264 |
| Net charge-offs to loans | 0.1211% | 1,525 |
| Credit loss provision to net charge-offs | 57.2674% | 3,129 |
| Earnings coverage of net charge-offs (x) | 18.1661% | 2,153 |
| Efficiency ratio | 81.9935% | 806 |
| Assets per employee ($millions) | 2.6482% | 5,156 |
| Cash dividends to net income (ytd only)* | 33.6485% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 4,633 |
| Loan loss allowance to noncurrent loans | 48.4079% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.4864% | 794 |
| Noncurrent loans to loans | 1.5833% | 929 |
| Net loans and leases to total assets | 76.0570% | 1,602 |
| Net loans and leases to deposits | 95.2641% | 1,145 |
| Net loans and leases to core deposits | 103.5291% | 1,453 |
| Total domestic deposits to total assets | 79.8380% | 4,142 |
| Equity capital to assets | 14.4473% | 854 |
| Core capital (leverage) ratio | 12.4689% | 1,473 |
| Tier 1 risk-based capital ratio | 13.9041% | 3,328 |
| Total risk-based capital ratio | 14.6294% | 3,511 |
| Memoranda: | ||
| Average total assets | $9,797,260,200 | 136 |
| Average earning assets | $8,942,528,200 | 137 |
| Average equity | $1,413,810,200 | 129 |
| Average total loans | $7,672,038,000 | 133 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8484% | 1,304 |
| Cost of funding earning assets | 0.6698% | 2,033 |
| Net interest margin | 4.1786% | 1,420 |
| Noninterest income to average assets | 6.3083% | 83 |
| Noninterest expense to average assets | 8.4333% | 84 |
| Loan and lease loss provision to assets | -0.0210% | 5,238 |
| Net operating income to assets | 1.3403% | 1,705 |
| Return on assets (ROA) | 1.3056% | 1,839 |
| Pretax return on assets | 1.6729% | 1,337 |
| Return on Equity (ROE) | 9.0498% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.0564% | 3,205 |
| Net charge-offs to loans | 0.0295% | 2,505 |
| Credit loss provision to net charge-offs | -90.2712% | 4,217 |
| Earnings coverage of net charge-offs (x) | 72.4911% | 937 |
| Efficiency ratio | 82.8322% | 718 |
| Assets per employee ($millions) | 2.4824% | 5,289 |
| Cash dividends to net income (ytd only)* | 44.1274% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,726 |
| Loan loss allowance to noncurrent loans | 46.6386% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 777 |
| Noncurrent loans to loans | 1.6371% | 964 |
| Net loans and leases to total assets | 77.8751% | 1,361 |
| Net loans and leases to deposits | 99.6630% | 817 |
| Net loans and leases to core deposits | 109.0094% | 1,100 |
| Total domestic deposits to total assets | 78.1385% | 4,467 |
| Equity capital to assets | 14.1945% | 902 |
| Core capital (leverage) ratio | 11.8614% | 1,870 |
| Tier 1 risk-based capital ratio | 13.8803% | 3,426 |
| Total risk-based capital ratio | 14.6312% | 3,615 |
| Memoranda: | ||
| Average total assets | $9,720,188,000 | 136 |
| Average earning assets | $8,866,026,250 | 134 |
| Average equity | $1,402,266,750 | 128 |
| Average total loans | $7,653,712,250 | 128 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 1,488 |
| Cost of funding earning assets | 0.5989% | 2,231 |
| Net interest margin | 4.1078% | 1,534 |
| Noninterest income to average assets | 6.3673% | 78 |
| Noninterest expense to average assets | 8.4450% | 83 |
| Loan and lease loss provision to assets | -0.0318% | 5,346 |
| Net operating income to assets | 1.3067% | 1,742 |
| Return on assets (ROA) | 1.2763% | 1,876 |
| Pretax return on assets | 1.6731% | 1,289 |
| Return on Equity (ROE) | 8.7978% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.2101% | 3,502 |
| Net charge-offs to loans | 0.0066% | 2,902 |
| Credit loss provision to net charge-offs | -614.8594% | 4,413 |
| Earnings coverage of net charge-offs (x) | 322.7149% | 286 |
| Efficiency ratio | 83.0354% | 756 |
| Assets per employee ($millions) | 2.3822% | 5,364 |
| Cash dividends to net income (ytd only)* | 52.1453% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 4,753 |
| Loan loss allowance to noncurrent loans | 47.1696% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 721 |
| Noncurrent loans to loans | 1.6520% | 970 |
| Net loans and leases to total assets | 79.2010% | 1,128 |
| Net loans and leases to deposits | 105.5719% | 461 |
| Net loans and leases to core deposits | 115.9621% | 716 |
| Total domestic deposits to total assets | 75.0209% | 4,956 |
| Equity capital to assets | 14.1788% | 885 |
| Core capital (leverage) ratio | 12.8045% | 1,310 |
| Tier 1 risk-based capital ratio | 14.5937% | 3,074 |
| Total risk-based capital ratio | 15.3834% | 3,213 |
| Memoranda: | ||
| Average total assets | $9,616,477,000 | 136 |
| Average earning assets | $8,776,404,000 | 136 |
| Average equity | $1,395,058,330 | 125 |
| Average total loans | $7,580,946,330 | 128 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,320 |
| Cost of funding earning assets | 0.5579% | 2,334 |
| Net interest margin | 4.1362% | 1,347 |
| Noninterest income to average assets | 5.6925% | 88 |
| Noninterest expense to average assets | 8.0119% | 92 |
| Loan and lease loss provision to assets | -0.0646% | 5,476 |
| Net operating income to assets | 1.1747% | 2,117 |
| Return on assets (ROA) | 1.1646% | 2,172 |
| Pretax return on assets | 1.5088% | 1,667 |
| Return on Equity (ROE) | 7.9345% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.9345% | 1,865 |
| Net charge-offs to loans | -0.0709% | 5,114 |
| Credit loss provision to net charge-offs | 116.4259% | 1,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1552% | 786 |
| Assets per employee ($millions) | 2.2715% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,565 |
| Loan loss allowance to noncurrent loans | 46.8488% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 647 |
| Noncurrent loans to loans | 1.8581% | 885 |
| Net loans and leases to total assets | 77.0996% | 1,370 |
| Net loans and leases to deposits | 95.9906% | 1,037 |
| Net loans and leases to core deposits | 106.1874% | 1,221 |
| Total domestic deposits to total assets | 80.3199% | 4,360 |
| Equity capital to assets | 15.0466% | 659 |
| Core capital (leverage) ratio | 13.0079% | 1,178 |
| Tier 1 risk-based capital ratio | 15.3910% | 2,699 |
| Total risk-based capital ratio | 16.2454% | 2,797 |
| Memoranda: | ||
| Average total assets | $9,476,875,500 | 138 |
| Average earning assets | $8,646,215,000 | 137 |
| Average equity | $1,391,044,500 | 126 |
| Average total loans | $7,421,904,500 | 130 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 950 |
| Cost of funding earning assets | 0.4718% | 2,591 |
| Net interest margin | 4.3430% | 876 |
| Noninterest income to average assets | 7.1114% | 78 |
| Noninterest expense to average assets | 8.6588% | 81 |
| Loan and lease loss provision to assets | 0.1471% | 1,551 |
| Net operating income to assets | 1.2029% | 1,514 |
| Return on assets (ROA) | 1.1968% | 1,558 |
| Pretax return on assets | 2.2302% | 300 |
| Return on Equity (ROE) | 8.4096% | 2,600 |
| Retained earnings to average equity (ytd only) | 3.5261% | 3,165 |
| Net charge-offs to loans | 0.0691% | 2,462 |
| Credit loss provision to net charge-offs | 271.4699% | 1,031 |
| Earnings coverage of net charge-offs (x) | 43.9932% | 1,188 |
| Efficiency ratio | 77.9545% | 1,360 |
| Assets per employee ($millions) | 2.3064% | 5,512 |
| Cash dividends to net income (ytd only)* | 58.0710% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 4,722 |
| Loan loss allowance to noncurrent loans | 44.0213% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9156% | 615 |
| Noncurrent loans to loans | 1.8947% | 822 |
| Net loans and leases to total assets | 78.1804% | 1,267 |
| Net loans and leases to deposits | 99.7157% | 748 |
| Net loans and leases to core deposits | 112.3876% | 878 |
| Total domestic deposits to total assets | 78.4033% | 4,654 |
| Equity capital to assets | 14.3218% | 830 |
| Core capital (leverage) ratio | 12.3242% | 1,435 |
| Tier 1 risk-based capital ratio | 14.4714% | 3,104 |
| Total risk-based capital ratio | 15.2944% | 3,236 |
| Memoranda: | ||
| Average total assets | $9,568,819,400 | 131 |
| Average earning assets | $8,660,713,600 | 131 |
| Average equity | $1,361,713,200 | 119 |
| Average total loans | $7,499,126,800 | 120 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 944 |
| Cost of funding earning assets | 0.4477% | 2,736 |
| Net interest margin | 4.3413% | 834 |
| Noninterest income to average assets | 7.3703% | 79 |
| Noninterest expense to average assets | 8.7930% | 82 |
| Loan and lease loss provision to assets | 0.1243% | 1,738 |
| Net operating income to assets | 1.5066% | 882 |
| Return on assets (ROA) | 1.5017% | 918 |
| Pretax return on assets | 2.3714% | 267 |
| Return on Equity (ROE) | 10.5699% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.8233% | 3,008 |
| Net charge-offs to loans | 0.0445% | 2,547 |
| Credit loss provision to net charge-offs | 356.7080% | 854 |
| Earnings coverage of net charge-offs (x) | 71.7501% | 875 |
| Efficiency ratio | 77.4004% | 1,407 |
| Assets per employee ($millions) | 2.3040% | 5,574 |
| Cash dividends to net income (ytd only)* | 54.3675% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,945 |
| Loan loss allowance to noncurrent loans | 61.4116% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 1,032 |
| Noncurrent loans to loans | 1.2716% | 1,509 |
| Net loans and leases to total assets | 79.3175% | 1,080 |
| Net loans and leases to deposits | 106.6146% | 385 |
| Net loans and leases to core deposits | 121.5055% | 533 |
| Total domestic deposits to total assets | 74.3965% | 5,199 |
| Equity capital to assets | 14.1819% | 946 |
| Core capital (leverage) ratio | 12.1823% | 1,580 |
| Tier 1 risk-based capital ratio | 14.4429% | 3,216 |
| Total risk-based capital ratio | 15.2320% | 3,369 |
| Memoranda: | ||
| Average total assets | $9,553,153,000 | 130 |
| Average earning assets | $8,633,134,250 | 130 |
| Average equity | $1,357,291,250 | 120 |
| Average total loans | $7,475,592,000 | 121 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 825 |
| Cost of funding earning assets | 0.3951% | 3,124 |
| Net interest margin | 4.4277% | 670 |
| Noninterest income to average assets | 7.4910% | 80 |
| Noninterest expense to average assets | 8.7778% | 83 |
| Loan and lease loss provision to assets | 0.1526% | 1,317 |
| Net operating income to assets | 1.6289% | 652 |
| Return on assets (ROA) | 1.6247% | 683 |
| Pretax return on assets | 2.5477% | 196 |
| Return on Equity (ROE) | 11.4285% | 1,487 |
| Retained earnings to average equity (ytd only) | 2.7547% | 4,059 |
| Net charge-offs to loans | 0.0431% | 2,331 |
| Credit loss provision to net charge-offs | 455.4088% | 709 |
| Earnings coverage of net charge-offs (x) | 80.6906% | 763 |
| Efficiency ratio | 75.9919% | 1,719 |
| Assets per employee ($millions) | 2.3247% | 5,615 |
| Cash dividends to net income (ytd only)* | 75.8962% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 5,027 |
| Loan loss allowance to noncurrent loans | 67.5627% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 1,152 |
| Noncurrent loans to loans | 1.1356% | 1,723 |
| Net loans and leases to total assets | 78.6548% | 1,146 |
| Net loans and leases to deposits | 107.8812% | 321 |
| Net loans and leases to core deposits | 122.5008% | 479 |
| Total domestic deposits to total assets | 72.9088% | 5,394 |
| Equity capital to assets | 13.6704% | 1,081 |
| Core capital (leverage) ratio | 12.1082% | 1,580 |
| Tier 1 risk-based capital ratio | 13.9480% | 3,451 |
| Total risk-based capital ratio | 14.7220% | 3,631 |
| Memoranda: | ||
| Average total assets | $9,488,114,670 | 130 |
| Average earning assets | $8,552,687,000 | 132 |
| Average equity | $1,348,892,670 | 118 |
| Average total loans | $7,369,809,330 | 121 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 1,727 |
| Cost of funding earning assets | 0.3581% | 3,443 |
| Net interest margin | 4.0181% | 1,423 |
| Noninterest income to average assets | 6.5576% | 92 |
| Noninterest expense to average assets | 8.2830% | 95 |
| Loan and lease loss provision to assets | 0.0791% | 2,230 |
| Net operating income to assets | 1.1491% | 1,673 |
| Return on assets (ROA) | 1.1545% | 1,683 |
| Pretax return on assets | 1.8109% | 769 |
| Return on Equity (ROE) | 7.9583% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.9583% | 1,478 |
| Net charge-offs to loans | 0.0221% | 2,330 |
| Credit loss provision to net charge-offs | 466.2437% | 594 |
| Earnings coverage of net charge-offs (x) | 111.1015% | 492 |
| Efficiency ratio | 80.9399% | 1,264 |
| Assets per employee ($millions) | 2.1409% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 5,034 |
| Loan loss allowance to noncurrent loans | 63.1706% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 1,027 |
| Noncurrent loans to loans | 1.2852% | 1,570 |
| Net loans and leases to total assets | 75.9318% | 1,423 |
| Net loans and leases to deposits | 98.3501% | 742 |
| Net loans and leases to core deposits | 109.2370% | 916 |
| Total domestic deposits to total assets | 77.2057% | 5,091 |
| Equity capital to assets | 15.1026% | 633 |
| Core capital (leverage) ratio | 13.0940% | 1,104 |
| Tier 1 risk-based capital ratio | 15.5021% | 2,755 |
| Total risk-based capital ratio | 16.2976% | 2,875 |
| Memoranda: | ||
| Average total assets | $9,291,120,500 | 131 |
| Average earning assets | $8,347,201,000 | 134 |
| Average equity | $1,347,877,000 | 116 |
| Average total loans | $7,138,291,500 | 122 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 747 |
| Cost of funding earning assets | 0.2956% | 4,113 |
| Net interest margin | 4.5977% | 514 |
| Noninterest income to average assets | 8.1437% | 74 |
| Noninterest expense to average assets | 9.2738% | 84 |
| Loan and lease loss provision to assets | 0.4496% | 317 |
| Net operating income to assets | 1.5827% | 709 |
| Return on assets (ROA) | 1.5601% | 768 |
| Pretax return on assets | 2.4778% | 211 |
| Return on Equity (ROE) | 10.7745% | 1,659 |
| Retained earnings to average equity (ytd only) | 3.3068% | 3,566 |
| Net charge-offs to loans | 0.4774% | 516 |
| Credit loss provision to net charge-offs | 123.3749% | 2,165 |
| Earnings coverage of net charge-offs (x) | 8.0959% | 2,923 |
| Efficiency ratio | 75.2795% | 2,101 |
| Assets per employee ($millions) | 2.2715% | 5,746 |
| Cash dividends to net income (ytd only)* | 69.3086% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 5,283 |
| Loan loss allowance to noncurrent loans | 61.7034% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 1,102 |
| Noncurrent loans to loans | 1.1935% | 1,719 |
| Net loans and leases to total assets | 76.5201% | 1,435 |
| Net loans and leases to deposits | 109.0743% | 249 |
| Net loans and leases to core deposits | 122.2603% | 422 |
| Total domestic deposits to total assets | 70.1541% | 5,659 |
| Equity capital to assets | 13.9488% | 907 |
| Core capital (leverage) ratio | 12.3507% | 1,407 |
| Tier 1 risk-based capital ratio | 14.6398% | 3,126 |
| Total risk-based capital ratio | 15.3831% | 3,315 |
| Memoranda: | ||
| Average total assets | $9,047,469,800 | 130 |
| Average earning assets | $8,028,847,400 | 130 |
| Average equity | $1,310,008,200 | 112 |
| Average total loans | $6,905,092,000 | 120 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 707 |
| Cost of funding earning assets | 0.2935% | 4,174 |
| Net interest margin | 4.6206% | 489 |
| Noninterest income to average assets | 8.4797% | 73 |
| Noninterest expense to average assets | 9.4604% | 79 |
| Loan and lease loss provision to assets | 0.5430% | 217 |
| Net operating income to assets | 1.6241% | 694 |
| Return on assets (ROA) | 1.5967% | 775 |
| Pretax return on assets | 2.5385% | 207 |
| Return on Equity (ROE) | 10.9198% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.7806% | 2,970 |
| Net charge-offs to loans | 0.5870% | 356 |
| Credit loss provision to net charge-offs | 121.5235% | 2,071 |
| Earnings coverage of net charge-offs (x) | 6.9579% | 2,938 |
| Efficiency ratio | 74.6714% | 2,163 |
| Assets per employee ($millions) | 2.1612% | 5,838 |
| Cash dividends to net income (ytd only)* | 56.2208% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 5,332 |
| Loan loss allowance to noncurrent loans | 48.1973% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.9051% | 838 |
| Noncurrent loans to loans | 1.5395% | 1,408 |
| Net loans and leases to total assets | 77.2677% | 1,313 |
| Net loans and leases to deposits | 106.8548% | 346 |
| Net loans and leases to core deposits | 120.8747% | 477 |
| Total domestic deposits to total assets | 72.3110% | 5,580 |
| Equity capital to assets | 14.6189% | 835 |
| Core capital (leverage) ratio | 12.6506% | 1,335 |
| Tier 1 risk-based capital ratio | 15.1497% | 2,975 |
| Total risk-based capital ratio | 15.9005% | 3,156 |
| Memoranda: | ||
| Average total assets | $8,911,741,750 | 131 |
| Average earning assets | $7,887,509,250 | 131 |
| Average equity | $1,303,073,750 | 111 |
| Average total loans | $6,783,112,000 | 123 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 642 |
| Cost of funding earning assets | 0.2870% | 4,276 |
| Net interest margin | 4.6662% | 445 |
| Noninterest income to average assets | 8.0984% | 74 |
| Noninterest expense to average assets | 9.2502% | 82 |
| Loan and lease loss provision to assets | 0.7286% | 151 |
| Net operating income to assets | 1.4268% | 1,014 |
| Return on assets (ROA) | 1.3978% | 1,122 |
| Pretax return on assets | 2.2036% | 379 |
| Return on Equity (ROE) | 9.5589% | 2,249 |
| Retained earnings to average equity (ytd only) | 0.7141% | 5,088 |
| Net charge-offs to loans | 0.8041% | 250 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 4.8768% | 2,932 |
| Efficiency ratio | 75.1133% | 2,207 |
| Assets per employee ($millions) | 2.1467% | 5,905 |
| Cash dividends to net income (ytd only)* | 92.5295% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 5,370 |
| Loan loss allowance to noncurrent loans | 54.2034% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 920 |
| Noncurrent loans to loans | 1.4046% | 1,589 |
| Net loans and leases to total assets | 75.2385% | 1,608 |
| Net loans and leases to deposits | 99.5411% | 731 |
| Net loans and leases to core deposits | 113.8142% | 737 |
| Total domestic deposits to total assets | 75.5854% | 5,344 |
| Equity capital to assets | 14.4392% | 889 |
| Core capital (leverage) ratio | 12.7168% | 1,264 |
| Tier 1 risk-based capital ratio | 14.7660% | 3,172 |
| Total risk-based capital ratio | 15.5101% | 3,383 |
| Memoranda: | ||
| Average total assets | $8,814,141,000 | 130 |
| Average earning assets | $7,769,337,000 | 132 |
| Average equity | $1,288,897,000 | 112 |
| Average total loans | $6,655,713,330 | 122 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 806 |
| Cost of funding earning assets | 0.2798% | 4,393 |
| Net interest margin | 4.5458% | 558 |
| Noninterest income to average assets | 6.8746% | 88 |
| Noninterest expense to average assets | 8.6997% | 90 |
| Loan and lease loss provision to assets | 0.1608% | 1,291 |
| Net operating income to assets | 1.2978% | 1,258 |
| Return on assets (ROA) | 1.2690% | 1,437 |
| Pretax return on assets | 2.0043% | 561 |
| Return on Equity (ROE) | 8.6219% | 2,601 |
| Retained earnings to average equity (ytd only) | -8.5414% | 5,768 |
| Net charge-offs to loans | 0.0418% | 2,168 |
| Credit loss provision to net charge-offs | 510.9489% | 592 |
| Earnings coverage of net charge-offs (x) | 69.7314% | 701 |
| Efficiency ratio | 79.1326% | 1,724 |
| Assets per employee ($millions) | 2.1319% | 5,962 |
| Cash dividends to net income (ytd only)* | 199.0662% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 5,493 |
| Loan loss allowance to noncurrent loans | 41.8105% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 694 |
| Noncurrent loans to loans | 1.7974% | 1,234 |
| Net loans and leases to total assets | 75.6278% | 1,445 |
| Net loans and leases to deposits | 98.0904% | 754 |
| Net loans and leases to core deposits | 111.0176% | 805 |
| Total domestic deposits to total assets | 77.1001% | 5,275 |
| Equity capital to assets | 14.6799% | 779 |
| Core capital (leverage) ratio | 12.6979% | 1,269 |
| Tier 1 risk-based capital ratio | 15.1211% | 3,097 |
| Total risk-based capital ratio | 15.8690% | 3,269 |
| Memoranda: | ||
| Average total assets | $8,708,940,500 | 131 |
| Average earning assets | $7,699,470,000 | 134 |
| Average equity | $1,281,807,500 | 112 |
| Average total loans | $6,562,559,000 | 124 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 343 |
| Cost of funding earning assets | 0.2571% | 4,714 |
| Net interest margin | 5.0898% | 212 |
| Noninterest income to average assets | 7.4806% | 84 |
| Noninterest expense to average assets | 8.9567% | 91 |
| Loan and lease loss provision to assets | 0.1495% | 1,572 |
| Net operating income to assets | 1.7758% | 503 |
| Return on assets (ROA) | 1.7900% | 505 |
| Pretax return on assets | 2.8309% | 132 |
| Return on Equity (ROE) | 12.6252% | 1,148 |
| Retained earnings to average equity (ytd only) | 11.3060% | 307 |
| Net charge-offs to loans | 0.1225% | 2,145 |
| Credit loss provision to net charge-offs | 169.6142% | 1,589 |
| Earnings coverage of net charge-offs (x) | 33.4326% | 1,343 |
| Efficiency ratio | 74.5294% | 2,498 |
| Assets per employee ($millions) | 2.1635% | 6,008 |
| Cash dividends to net income (ytd only)* | 10.4484% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 5,607 |
| Loan loss allowance to noncurrent loans | 42.5964% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.3870% | 662 |
| Noncurrent loans to loans | 1.6800% | 1,354 |
| Net loans and leases to total assets | 73.9884% | 1,733 |
| Net loans and leases to deposits | 99.9019% | 681 |
| Net loans and leases to core deposits | 113.4355% | 713 |
| Total domestic deposits to total assets | 74.0611% | 5,639 |
| Equity capital to assets | 14.7216% | 722 |
| Core capital (leverage) ratio | 13.1389% | 1,100 |
| Tier 1 risk-based capital ratio | 16.1566% | 2,617 |
| Total risk-based capital ratio | 16.8965% | 2,790 |
| Memoranda: | ||
| Average total assets | $8,555,123,800 | 128 |
| Average earning assets | $7,435,692,200 | 128 |
| Average equity | $1,212,917,200 | 116 |
| Average total loans | $6,158,154,400 | 123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 289 |
| Cost of funding earning assets | 0.2634% | 4,740 |
| Net interest margin | 5.1913% | 188 |
| Noninterest income to average assets | 7.8656% | 84 |
| Noninterest expense to average assets | 9.1710% | 91 |
| Loan and lease loss provision to assets | 0.1318% | 1,707 |
| Net operating income to assets | 1.9392% | 398 |
| Return on assets (ROA) | 1.9660% | 397 |
| Pretax return on assets | 3.1099% | 111 |
| Return on Equity (ROE) | 14.0054% | 905 |
| Retained earnings to average equity (ytd only) | 13.0001% | 276 |
| Net charge-offs to loans | 0.1177% | 1,946 |
| Credit loss provision to net charge-offs | 156.9374% | 1,619 |
| Earnings coverage of net charge-offs (x) | 37.9907% | 1,293 |
| Efficiency ratio | 73.4986% | 2,639 |
| Assets per employee ($millions) | 2.0796% | 6,117 |
| Cash dividends to net income (ytd only)* | 7.1783% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 5,683 |
| Loan loss allowance to noncurrent loans | 48.5803% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 2.3744% | 758 |
| Noncurrent loans to loans | 1.4858% | 1,686 |
| Net loans and leases to total assets | 73.3799% | 1,841 |
| Net loans and leases to deposits | 97.4805% | 867 |
| Net loans and leases to core deposits | 110.7894% | 833 |
| Total domestic deposits to total assets | 75.2765% | 5,596 |
| Equity capital to assets | 15.2103% | 694 |
| Core capital (leverage) ratio | 12.7723% | 1,286 |
| Tier 1 risk-based capital ratio | 17.3578% | 2,233 |
| Total risk-based capital ratio | 18.1320% | 2,374 |
| Memoranda: | ||
| Average total assets | $8,502,824,000 | 130 |
| Average earning assets | $7,363,296,250 | 130 |
| Average equity | $1,193,585,000 | 119 |
| Average total loans | $6,064,862,750 | 125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 506 |
| Cost of funding earning assets | 0.2662% | 4,757 |
| Net interest margin | 4.8310% | 338 |
| Noninterest income to average assets | 8.5778% | 85 |
| Noninterest expense to average assets | 9.0092% | 94 |
| Loan and lease loss provision to assets | 0.0652% | 2,815 |
| Net operating income to assets | 2.6137% | 148 |
| Return on assets (ROA) | 2.6690% | 142 |
| Pretax return on assets | 3.7548% | 88 |
| Return on Equity (ROE) | 19.5448% | 294 |
| Retained earnings to average equity (ytd only) | 18.3463% | 96 |
| Net charge-offs to loans | 0.1062% | 1,938 |
| Credit loss provision to net charge-offs | 87.0746% | 2,243 |
| Earnings coverage of net charge-offs (x) | 49.8745% | 959 |
| Efficiency ratio | 70.0237% | 3,325 |
| Assets per employee ($millions) | 2.1452% | 6,183 |
| Cash dividends to net income (ytd only)* | 6.1316% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 5,883 |
| Loan loss allowance to noncurrent loans | 40.7446% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.6482% | 687 |
| Noncurrent loans to loans | 1.6201% | 1,615 |
| Net loans and leases to total assets | 72.0354% | 1,972 |
| Net loans and leases to deposits | 97.5991% | 826 |
| Net loans and leases to core deposits | 111.1887% | 775 |
| Total domestic deposits to total assets | 73.8074% | 5,808 |
| Equity capital to assets | 14.2114% | 907 |
| Core capital (leverage) ratio | 12.1703% | 1,551 |
| Tier 1 risk-based capital ratio | 16.4574% | 2,630 |
| Total risk-based capital ratio | 17.1678% | 2,858 |
| Memoranda: | ||
| Average total assets | $8,554,534,000 | 129 |
| Average earning assets | $7,377,409,330 | 130 |
| Average equity | $1,168,211,330 | 122 |
| Average total loans | $6,029,794,330 | 125 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 684 |
| Cost of funding earning assets | 0.2665% | 4,836 |
| Net interest margin | 4.6443% | 454 |
| Noninterest income to average assets | 8.9660% | 82 |
| Noninterest expense to average assets | 8.5694% | 104 |
| Loan and lease loss provision to assets | 0.1164% | 1,774 |
| Net operating income to assets | 3.3568% | 75 |
| Return on assets (ROA) | 3.5032% | 75 |
| Pretax return on assets | 4.4553% | 72 |
| Return on Equity (ROE) | 26.1880% | 91 |
| Retained earnings to average equity (ytd only) | 24.4376% | 51 |
| Net charge-offs to loans | 0.2500% | 957 |
| Credit loss provision to net charge-offs | 66.9992% | 1,940 |
| Earnings coverage of net charge-offs (x) | 25.2278% | 1,273 |
| Efficiency ratio | 65.5057% | 4,238 |
| Assets per employee ($millions) | 2.1541% | 6,247 |
| Cash dividends to net income (ytd only)* | 6.6840% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 5,954 |
| Loan loss allowance to noncurrent loans | 38.8782% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.9479% | 647 |
| Noncurrent loans to loans | 1.7278% | 1,584 |
| Net loans and leases to total assets | 70.9029% | 2,001 |
| Net loans and leases to deposits | 91.2363% | 1,265 |
| Net loans and leases to core deposits | 104.7832% | 1,014 |
| Total domestic deposits to total assets | 77.7135% | 5,499 |
| Equity capital to assets | 14.0664% | 963 |
| Core capital (leverage) ratio | 11.3442% | 2,122 |
| Tier 1 risk-based capital ratio | 16.4608% | 2,701 |
| Total risk-based capital ratio | 17.1888% | 2,892 |
| Memoranda: | ||
| Average total assets | $8,541,357,000 | 127 |
| Average earning assets | $7,329,428,000 | 129 |
| Average equity | $1,142,584,500 | 123 |
| Average total loans | $5,933,517,500 | 124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 501 |
| Cost of funding earning assets | 0.3230% | 4,551 |
| Net interest margin | 4.8977% | 356 |
| Noninterest income to average assets | 7.0656% | 92 |
| Noninterest expense to average assets | 8.8998% | 86 |
| Loan and lease loss provision to assets | 0.1969% | 1,297 |
| Net operating income to assets | 1.3271% | 1,239 |
| Return on assets (ROA) | 1.3132% | 1,323 |
| Pretax return on assets | 2.0691% | 447 |
| Return on Equity (ROE) | 10.7709% | 1,799 |
| Retained earnings to average equity (ytd only) | 7.3373% | 1,257 |
| Net charge-offs to loans | 0.1670% | 2,358 |
| Credit loss provision to net charge-offs | 176.6983% | 1,374 |
| Earnings coverage of net charge-offs (x) | 20.4622% | 1,724 |
| Efficiency ratio | 78.6660% | 2,107 |
| Assets per employee ($millions) | 2.0717% | 6,353 |
| Cash dividends to net income (ytd only)* | 31.8780% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 5,974 |
| Loan loss allowance to noncurrent loans | 44.3083% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.6667% | 839 |
| Noncurrent loans to loans | 1.6006% | 1,826 |
| Net loans and leases to total assets | 67.0993% | 2,712 |
| Net loans and leases to deposits | 90.8721% | 1,416 |
| Net loans and leases to core deposits | 104.2042% | 1,118 |
| Total domestic deposits to total assets | 73.8393% | 5,957 |
| Equity capital to assets | 12.7085% | 1,531 |
| Core capital (leverage) ratio | 10.3010% | 3,171 |
| Tier 1 risk-based capital ratio | 13.7451% | 4,270 |
| Total risk-based capital ratio | 14.4444% | 4,520 |
| Memoranda: | ||
| Average total assets | $8,600,595,800 | 123 |
| Average earning assets | $7,224,678,400 | 126 |
| Average equity | $1,048,570,200 | 130 |
| Average total loans | $5,739,084,400 | 121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 529 |
| Cost of funding earning assets | 0.3082% | 4,803 |
| Net interest margin | 4.8868% | 353 |
| Noninterest income to average assets | 6.9071% | 92 |
| Noninterest expense to average assets | 8.7465% | 90 |
| Loan and lease loss provision to assets | 0.1991% | 1,196 |
| Net operating income to assets | 1.3213% | 1,312 |
| Return on assets (ROA) | 1.3123% | 1,397 |
| Pretax return on assets | 2.0506% | 512 |
| Return on Equity (ROE) | 10.8804% | 1,835 |
| Retained earnings to average equity (ytd only) | 7.2070% | 1,714 |
| Net charge-offs to loans | 0.1010% | 2,791 |
| Credit loss provision to net charge-offs | 296.3443% | 917 |
| Earnings coverage of net charge-offs (x) | 33.6236% | 1,273 |
| Efficiency ratio | 78.5098% | 2,109 |
| Assets per employee ($millions) | 2.0635% | 6,429 |
| Cash dividends to net income (ytd only)* | 33.7613% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7386% | 6,016 |
| Loan loss allowance to noncurrent loans | 35.7825% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 2.8896% | 836 |
| Noncurrent loans to loans | 2.0641% | 1,518 |
| Net loans and leases to total assets | 66.8303% | 2,715 |
| Net loans and leases to deposits | 91.4311% | 1,288 |
| Net loans and leases to core deposits | 104.3483% | 1,082 |
| Total domestic deposits to total assets | 73.0936% | 6,086 |
| Equity capital to assets | 12.4787% | 1,711 |
| Core capital (leverage) ratio | 9.9460% | 3,745 |
| Tier 1 risk-based capital ratio | 13.4820% | 4,552 |
| Total risk-based capital ratio | 14.2054% | 4,808 |
| Memoranda: | ||
| Average total assets | $8,578,013,500 | 122 |
| Average earning assets | $7,193,598,500 | 126 |
| Average equity | $1,034,592,250 | 130 |
| Average total loans | $5,705,554,250 | 122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 434 |
| Cost of funding earning assets | 0.2856% | 5,124 |
| Net interest margin | 5.0083% | 277 |
| Noninterest income to average assets | 6.7601% | 90 |
| Noninterest expense to average assets | 8.5987% | 93 |
| Loan and lease loss provision to assets | 0.2048% | 1,166 |
| Net operating income to assets | 1.3795% | 1,115 |
| Return on assets (ROA) | 1.3728% | 1,164 |
| Pretax return on assets | 2.1470% | 408 |
| Return on Equity (ROE) | 11.5156% | 1,573 |
| Retained earnings to average equity (ytd only) | 9.0683% | 967 |
| Net charge-offs to loans | 0.0892% | 2,792 |
| Credit loss provision to net charge-offs | 346.7009% | 769 |
| Earnings coverage of net charge-offs (x) | 39.9261% | 1,061 |
| Efficiency ratio | 77.5028% | 2,373 |
| Assets per employee ($millions) | 2.1147% | 6,469 |
| Cash dividends to net income (ytd only)* | 21.2520% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6790% | 6,205 |
| Loan loss allowance to noncurrent loans | 45.3013% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.6663% | 1,007 |
| Noncurrent loans to loans | 1.4989% | 2,322 |
| Net loans and leases to total assets | 66.9955% | 2,580 |
| Net loans and leases to deposits | 95.5720% | 832 |
| Net loans and leases to core deposits | 111.0315% | 647 |
| Total domestic deposits to total assets | 70.0995% | 6,351 |
| Equity capital to assets | 11.9895% | 1,990 |
| Core capital (leverage) ratio | 9.9706% | 3,658 |
| Tier 1 risk-based capital ratio | 13.2192% | 4,772 |
| Total risk-based capital ratio | 13.8996% | 5,062 |
| Memoranda: | ||
| Average total assets | $8,569,103,330 | 123 |
| Average earning assets | $7,181,237,670 | 127 |
| Average equity | $1,021,536,330 | 131 |
| Average total loans | $5,676,284,670 | 122 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 700 |
| Cost of funding earning assets | 0.3029% | 5,036 |
| Net interest margin | 4.7109% | 458 |
| Noninterest income to average assets | 6.0618% | 96 |
| Noninterest expense to average assets | 8.2214% | 105 |
| Loan and lease loss provision to assets | 0.1539% | 1,576 |
| Net operating income to assets | 1.0506% | 2,007 |
| Return on assets (ROA) | 1.0453% | 2,098 |
| Pretax return on assets | 1.6365% | 1,095 |
| Return on Equity (ROE) | 8.7953% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.7985% | 2,146 |
| Net charge-offs to loans | 0.0169% | 3,250 |
| Credit loss provision to net charge-offs | 1,385.4701% | 242 |
| Earnings coverage of net charge-offs (x) | 161.6667% | 304 |
| Efficiency ratio | 80.9935% | 2,051 |
| Assets per employee ($millions) | 2.0204% | 6,572 |
| Cash dividends to net income (ytd only)* | 22.7025% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 6,303 |
| Loan loss allowance to noncurrent loans | 40.3683% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 2.9493% | 977 |
| Noncurrent loans to loans | 1.6968% | 2,291 |
| Net loans and leases to total assets | 63.6908% | 2,954 |
| Net loans and leases to deposits | 80.6304% | 2,211 |
| Net loans and leases to core deposits | 95.5824% | 1,415 |
| Total domestic deposits to total assets | 78.9911% | 5,688 |
| Equity capital to assets | 11.9821% | 1,881 |
| Core capital (leverage) ratio | 9.5281% | 4,240 |
| Tier 1 risk-based capital ratio | 13.4727% | 4,705 |
| Total risk-based capital ratio | 14.1376% | 5,012 |
| Memoranda: | ||
| Average total assets | $8,427,508,000 | 124 |
| Average earning assets | $7,075,580,500 | 128 |
| Average equity | $1,001,629,500 | 133 |
| Average total loans | $5,528,834,000 | 126 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 921 |
| Cost of funding earning assets | 0.3278% | 5,348 |
| Net interest margin | 4.6723% | 535 |
| Noninterest income to average assets | 9.1678% | 73 |
| Noninterest expense to average assets | 9.5900% | 85 |
| Loan and lease loss provision to assets | 0.5010% | 560 |
| Net operating income to assets | 1.9680% | 361 |
| Return on assets (ROA) | 1.9922% | 348 |
| Pretax return on assets | 3.1161% | 107 |
| Return on Equity (ROE) | 16.3647% | 581 |
| Retained earnings to average equity (ytd only) | 14.9250% | 171 |
| Net charge-offs to loans | 0.1264% | 3,554 |
| Credit loss provision to net charge-offs | 593.1045% | 399 |
| Earnings coverage of net charge-offs (x) | 42.2536% | 901 |
| Efficiency ratio | 71.9690% | 3,481 |
| Assets per employee ($millions) | 1.9199% | 6,654 |
| Cash dividends to net income (ytd only)* | 8.7978% | 4,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6114% | 6,459 |
| Loan loss allowance to noncurrent loans | 36.9379% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8764% | 1,120 |
| Noncurrent loans to loans | 1.6552% | 2,426 |
| Net loans and leases to total assets | 66.6923% | 2,576 |
| Net loans and leases to deposits | 82.2760% | 2,151 |
| Net loans and leases to core deposits | 96.9775% | 1,385 |
| Total domestic deposits to total assets | 81.0592% | 5,156 |
| Equity capital to assets | 11.7868% | 1,957 |
| Core capital (leverage) ratio | 9.2893% | 4,574 |
| Tier 1 risk-based capital ratio | 13.3744% | 4,734 |
| Total risk-based capital ratio | 13.9951% | 5,090 |
| Memoranda: | ||
| Average total assets | $7,417,245,400 | 136 |
| Average earning assets | $6,336,045,800 | 141 |
| Average equity | $902,944,200 | 135 |
| Average total loans | $4,955,117,800 | 133 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,366 |
| Cost of funding earning assets | 0.3196% | 5,556 |
| Net interest margin | 4.4715% | 766 |
| Noninterest income to average assets | 9.9365% | 72 |
| Noninterest expense to average assets | 9.8753% | 82 |
| Loan and lease loss provision to assets | 0.6489% | 344 |
| Net operating income to assets | 2.0918% | 311 |
| Return on assets (ROA) | 2.0830% | 324 |
| Pretax return on assets | 3.2438% | 109 |
| Return on Equity (ROE) | 16.9539% | 543 |
| Retained earnings to average equity (ytd only) | 14.9894% | 202 |
| Net charge-offs to loans | 0.1442% | 3,103 |
| Credit loss provision to net charge-offs | 674.6188% | 431 |
| Earnings coverage of net charge-offs (x) | 40.4804% | 998 |
| Efficiency ratio | 70.8418% | 3,626 |
| Assets per employee ($millions) | 1.9030% | 6,732 |
| Cash dividends to net income (ytd only)* | 11.5874% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 6,547 |
| Loan loss allowance to noncurrent loans | 43.2702% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 1,653 |
| Noncurrent loans to loans | 1.4059% | 3,057 |
| Net loans and leases to total assets | 63.2194% | 3,125 |
| Net loans and leases to deposits | 77.4699% | 2,748 |
| Net loans and leases to core deposits | 91.0323% | 1,866 |
| Total domestic deposits to total assets | 81.6052% | 5,055 |
| Equity capital to assets | 11.2784% | 2,489 |
| Core capital (leverage) ratio | 11.0536% | 2,427 |
| Tier 1 risk-based capital ratio | 12.7586% | 5,289 |
| Total risk-based capital ratio | 13.3634% | 5,645 |
| Memoranda: | ||
| Average total assets | $7,181,255,250 | 137 |
| Average earning assets | $6,155,339,250 | 140 |
| Average equity | $882,300,500 | 137 |
| Average total loans | $4,791,252,500 | 134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 920 |
| Cost of funding earning assets | 0.3323% | 5,548 |
| Net interest margin | 4.6606% | 544 |
| Noninterest income to average assets | 11.0959% | 62 |
| Noninterest expense to average assets | 10.7714% | 70 |
| Loan and lease loss provision to assets | 0.7234% | 312 |
| Net operating income to assets | 2.3122% | 211 |
| Return on assets (ROA) | 2.2864% | 235 |
| Pretax return on assets | 3.6021% | 101 |
| Return on Equity (ROE) | 17.9818% | 459 |
| Retained earnings to average equity (ytd only) | 14.9374% | 239 |
| Net charge-offs to loans | 0.0642% | 3,784 |
| Credit loss provision to net charge-offs | 1,657.1623% | 192 |
| Earnings coverage of net charge-offs (x) | 99.6814% | 463 |
| Efficiency ratio | 70.3835% | 3,753 |
| Assets per employee ($millions) | 1.7783% | 6,801 |
| Cash dividends to net income (ytd only)* | 16.9304% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 6,655 |
| Loan loss allowance to noncurrent loans | 111.1926% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 5,116 |
| Noncurrent loans to loans | 0.5056% | 5,005 |
| Net loans and leases to total assets | 67.7935% | 2,289 |
| Net loans and leases to deposits | 101.1647% | 371 |
| Net loans and leases to core deposits | 129.7571% | 191 |
| Total domestic deposits to total assets | 67.0130% | 6,739 |
| Equity capital to assets | 12.7328% | 1,447 |
| Core capital (leverage) ratio | 9.7370% | 3,887 |
| Tier 1 risk-based capital ratio | 12.7747% | 5,305 |
| Total risk-based capital ratio | 13.3451% | 5,687 |
| Memoranda: | ||
| Average total assets | $6,716,713,670 | 143 |
| Average earning assets | $5,803,370,000 | 145 |
| Average equity | $854,029,670 | 138 |
| Average total loans | $4,570,280,000 | 137 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 950 |
| Cost of funding earning assets | 0.3214% | 5,796 |
| Net interest margin | 4.6496% | 521 |
| Noninterest income to average assets | 10.4591% | 68 |
| Noninterest expense to average assets | 10.3531% | 80 |
| Loan and lease loss provision to assets | 0.7819% | 280 |
| Net operating income to assets | 2.1275% | 276 |
| Return on assets (ROA) | 2.1095% | 313 |
| Pretax return on assets | 3.3327% | 121 |
| Return on Equity (ROE) | 16.6023% | 542 |
| Retained earnings to average equity (ytd only) | 13.2898% | 521 |
| Net charge-offs to loans | -0.0197% | 5,704 |
| Credit loss provision to net charge-offs | -5,831.8386% | 5,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5885% | 3,873 |
| Assets per employee ($millions) | 1.7817% | 6,886 |
| Cash dividends to net income (ytd only)* | 19.9521% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 6,867 |
| Loan loss allowance to noncurrent loans | 75.2295% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 5,263 |
| Noncurrent loans to loans | 0.4924% | 5,200 |
| Net loans and leases to total assets | 67.5483% | 2,102 |
| Net loans and leases to deposits | 93.8545% | 677 |
| Net loans and leases to core deposits | 125.6041% | 209 |
| Total domestic deposits to total assets | 71.9713% | 6,659 |
| Equity capital to assets | 12.9654% | 1,443 |
| Core capital (leverage) ratio | 9.2164% | 4,544 |
| Tier 1 risk-based capital ratio | 12.2129% | 5,781 |
| Total risk-based capital ratio | 12.5857% | 6,240 |
| Memoranda: | ||
| Average total assets | $6,652,686,500 | 147 |
| Average earning assets | $5,761,474,000 | 150 |
| Average equity | $845,278,000 | 143 |
| Average total loans | $4,522,147,000 | 143 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4767% | 7,058 |
| Cost of funding earning assets | 0.0259% | 7,050 |
| Net interest margin | 0.4508% | 7,053 |
| Noninterest income to average assets | 1.1595% | 1,161 |
| Noninterest expense to average assets | 1.1338% | 6,990 |
| Loan and lease loss provision to assets | 0.0627% | 4,982 |
| Net operating income to assets | 0.2375% | 5,674 |
| Return on assets (ROA) | 0.2293% | 5,898 |
| Pretax return on assets | 0.3563% | 5,696 |
| Return on Equity (ROE) | 2.1278% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.1278% | 4,731 |
| Net charge-offs to loans | 0.0090% | 5,817 |
| Credit loss provision to net charge-offs | 971.8670% | 261 |
| Earnings coverage of net charge-offs (x) | 66.1867% | 545 |
| Efficiency ratio | 71.7850% | 3,460 |
| Assets per employee ($millions) | 1.8145% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0749% | 6,994 |
| Loan loss allowance to noncurrent loans | 20.6144% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 5,456 |
| Noncurrent loans to loans | 0.3632% | 5,580 |
| Net loans and leases to total assets | 68.0976% | 2,164 |
| Net loans and leases to deposits | 96.6710% | 579 |
| Net loans and leases to core deposits | 125.0039% | 230 |
| Total domestic deposits to total assets | 70.4426% | 6,770 |
| Equity capital to assets | 12.4484% | 1,750 |
| Core capital (leverage) ratio | 8.8376% | 5,118 |
| Tier 1 risk-based capital ratio | 11.8331% | 5,886 |
| Total risk-based capital ratio | 11.9261% | 6,448 |
| Memoranda: | ||
| Average total assets | $6,057,423,200 | 153 |
| Average earning assets | $5,394,638,800 | 151 |
| Average equity | $652,797,400 | 162 |
| Average total loans | $4,347,079,200 | 138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 4,297 |
| Cost of funding earning assets | 0.4197% | 5,991 |
| Net interest margin | 3.9192% | 2,842 |
| Noninterest income to average assets | 11.7904% | 65 |
| Noninterest expense to average assets | 11.4216% | 66 |
| Loan and lease loss provision to assets | 0.1924% | 3,180 |
| Net operating income to assets | 2.4075% | 204 |
| Return on assets (ROA) | 2.2732% | 274 |
| Pretax return on assets | 3.5247% | 101 |
| Return on Equity (ROE) | 22.0618% | 237 |
| Retained earnings to average equity (ytd only) | 11.9756% | 536 |
| Net charge-offs to loans | 0.5139% | 2,069 |
| Credit loss provision to net charge-offs | 51.4313% | 4,370 |
| Earnings coverage of net charge-offs (x) | 10.3945% | 2,192 |
| Efficiency ratio | 74.4305% | 2,911 |
| Assets per employee ($millions) | 1.7645% | 7,049 |
| Cash dividends to net income (ytd only)* | 45.7179% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,843 |
| Loan loss allowance to noncurrent loans | 96.0375% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 3,518 |
| Noncurrent loans to loans | 1.3469% | 3,774 |
| Net loans and leases to total assets | 71.6378% | 1,615 |
| Net loans and leases to deposits | 104.2808% | 273 |
| Net loans and leases to core deposits | 139.3729% | 141 |
| Total domestic deposits to total assets | 68.6970% | 6,895 |
| Equity capital to assets | 10.1096% | 4,337 |
| Core capital (leverage) ratio | 10.0133% | 3,517 |
| Tier 1 risk-based capital ratio | 12.6243% | 5,538 |
| Total risk-based capital ratio | 13.8741% | 5,502 |
| Memoranda: | ||
| Average total assets | $5,901,536,250 | 156 |
| Average earning assets | $5,299,880,500 | 153 |
| Average equity | $608,077,500 | 174 |
| Average total loans | $4,295,602,000 | 135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 4,289 |
| Cost of funding earning assets | 0.4570% | 5,925 |
| Net interest margin | 3.9169% | 2,839 |
| Noninterest income to average assets | 10.8331% | 72 |
| Noninterest expense to average assets | 10.8749% | 71 |
| Loan and lease loss provision to assets | 0.1959% | 3,121 |
| Net operating income to assets | 2.1266% | 319 |
| Return on assets (ROA) | 2.0247% | 430 |
| Pretax return on assets | 3.1547% | 136 |
| Return on Equity (ROE) | 19.5158% | 385 |
| Retained earnings to average equity (ytd only) | 11.1457% | 721 |
| Net charge-offs to loans | 0.6257% | 1,758 |
| Credit loss provision to net charge-offs | 42.9714% | 4,192 |
| Earnings coverage of net charge-offs (x) | 7.6285% | 2,446 |
| Efficiency ratio | 75.5811% | 2,811 |
| Assets per employee ($millions) | 1.6629% | 7,125 |
| Cash dividends to net income (ytd only)* | 42.8890% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,447 |
| Loan loss allowance to noncurrent loans | 107.9064% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 3,614 |
| Noncurrent loans to loans | 1.3016% | 3,972 |
| Net loans and leases to total assets | 72.3224% | 1,510 |
| Net loans and leases to deposits | 106.2894% | 221 |
| Net loans and leases to core deposits | 134.5176% | 180 |
| Total domestic deposits to total assets | 68.0429% | 6,996 |
| Equity capital to assets | 10.5519% | 3,620 |
| Core capital (leverage) ratio | 10.0524% | 3,352 |
| Tier 1 risk-based capital ratio | 12.7322% | 5,392 |
| Total risk-based capital ratio | 13.9829% | 5,360 |
| Memoranda: | ||
| Average total assets | $5,757,790,330 | 160 |
| Average earning assets | $5,173,897,670 | 159 |
| Average equity | $597,363,000 | 173 |
| Average total loans | $4,195,432,330 | 139 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 4,380 |
| Cost of funding earning assets | 0.4854% | 5,901 |
| Net interest margin | 3.9019% | 2,911 |
| Noninterest income to average assets | 10.0448% | 73 |
| Noninterest expense to average assets | 10.5735% | 74 |
| Loan and lease loss provision to assets | 0.1552% | 3,435 |
| Net operating income to assets | 1.8753% | 517 |
| Return on assets (ROA) | 1.8441% | 619 |
| Pretax return on assets | 2.7989% | 226 |
| Return on Equity (ROE) | 17.9304% | 559 |
| Retained earnings to average equity (ytd only) | 9.0977% | 1,553 |
| Net charge-offs to loans | 0.7994% | 1,289 |
| Credit loss provision to net charge-offs | 26.7365% | 3,677 |
| Earnings coverage of net charge-offs (x) | 5.1427% | 2,432 |
| Efficiency ratio | 77.7830% | 2,527 |
| Assets per employee ($millions) | 1.7179% | 7,183 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,304 |
| Loan loss allowance to noncurrent loans | 88.8981% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.6069% | 3,438 |
| Noncurrent loans to loans | 1.6505% | 3,627 |
| Net loans and leases to total assets | 71.5080% | 1,482 |
| Net loans and leases to deposits | 98.6499% | 421 |
| Net loans and leases to core deposits | 126.7177% | 227 |
| Total domestic deposits to total assets | 72.4866% | 6,855 |
| Equity capital to assets | 10.3270% | 3,704 |
| Core capital (leverage) ratio | 9.7354% | 3,730 |
| Tier 1 risk-based capital ratio | 12.4956% | 5,604 |
| Total risk-based capital ratio | 13.7470% | 5,571 |
| Memoranda: | ||
| Average total assets | $5,724,190,000 | 157 |
| Average earning assets | $5,154,983,000 | 158 |
| Average equity | $588,720,000 | 173 |
| Average total loans | $4,156,756,000 | 141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 5,331 |
| Cost of funding earning assets | 0.6480% | 5,839 |
| Net interest margin | 3.7756% | 3,945 |
| Noninterest income to average assets | 8.4829% | 72 |
| Noninterest expense to average assets | 9.3855% | 82 |
| Loan and lease loss provision to assets | 0.3989% | 2,601 |
| Net operating income to assets | 1.3862% | 1,048 |
| Return on assets (ROA) | 1.3134% | 1,314 |
| Pretax return on assets | 2.0361% | 494 |
| Return on Equity (ROE) | 12.9751% | 1,172 |
| Retained earnings to average equity (ytd only) | 5.0955% | 2,565 |
| Net charge-offs to loans | 0.5171% | 2,919 |
| Credit loss provision to net charge-offs | 111.9706% | 2,956 |
| Earnings coverage of net charge-offs (x) | 7.1068% | 2,397 |
| Efficiency ratio | 78.4369% | 2,536 |
| Assets per employee ($millions) | 1.7206% | 7,231 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 3,442 |
| Loan loss allowance to noncurrent loans | 97.2214% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.7544% | 3,318 |
| Noncurrent loans to loans | 1.6817% | 3,637 |
| Net loans and leases to total assets | 71.4746% | 1,735 |
| Net loans and leases to deposits | 95.4008% | 714 |
| Net loans and leases to core deposits | 122.9103% | 310 |
| Total domestic deposits to total assets | 74.9203% | 6,615 |
| Equity capital to assets | 10.2419% | 3,860 |
| Core capital (leverage) ratio | 9.7656% | 3,652 |
| Tier 1 risk-based capital ratio | 12.6716% | 5,323 |
| Total risk-based capital ratio | 13.9255% | 5,304 |
| Memoranda: | ||
| Average total assets | $5,453,688,200 | 158 |
| Average earning assets | $4,961,237,000 | 155 |
| Average equity | $552,056,000 | 179 |
| Average total loans | $3,757,796,200 | 149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 5,541 |
| Cost of funding earning assets | 0.6750% | 5,908 |
| Net interest margin | 3.7455% | 4,133 |
| Noninterest income to average assets | 7.8977% | 79 |
| Noninterest expense to average assets | 8.7941% | 92 |
| Loan and lease loss provision to assets | 0.4506% | 2,215 |
| Net operating income to assets | 1.3430% | 1,282 |
| Return on assets (ROA) | 1.2887% | 1,506 |
| Pretax return on assets | 1.9901% | 640 |
| Return on Equity (ROE) | 12.7702% | 1,339 |
| Retained earnings to average equity (ytd only) | 5.9152% | 2,606 |
| Net charge-offs to loans | 0.5599% | 2,560 |
| Credit loss provision to net charge-offs | 118.5055% | 2,754 |
| Earnings coverage of net charge-offs (x) | 6.6160% | 2,523 |
| Efficiency ratio | 77.4209% | 2,622 |
| Assets per employee ($millions) | 1.7794% | 7,290 |
| Cash dividends to net income (ytd only)* | 53.6800% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 3,047 |
| Loan loss allowance to noncurrent loans | 115.3378% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6954% | 3,547 |
| Noncurrent loans to loans | 1.5323% | 3,985 |
| Net loans and leases to total assets | 66.5020% | 2,781 |
| Net loans and leases to deposits | 86.3101% | 1,644 |
| Net loans and leases to core deposits | 119.7698% | 390 |
| Total domestic deposits to total assets | 73.4009% | 6,821 |
| Equity capital to assets | 10.1639% | 4,139 |
| Core capital (leverage) ratio | 9.9038% | 3,567 |
| Tier 1 risk-based capital ratio | 13.1583% | 4,984 |
| Total risk-based capital ratio | 14.4133% | 4,957 |
| Memoranda: | ||
| Average total assets | $5,396,741,250 | 159 |
| Average earning assets | $4,916,205,750 | 156 |
| Average equity | $544,597,500 | 182 |
| Average total loans | $3,665,168,250 | 153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 5,634 |
| Cost of funding earning assets | 0.6999% | 5,960 |
| Net interest margin | 3.7159% | 4,193 |
| Noninterest income to average assets | 7.0669% | 97 |
| Noninterest expense to average assets | 8.1666% | 107 |
| Loan and lease loss provision to assets | 0.5184% | 1,891 |
| Net operating income to assets | 1.1539% | 1,705 |
| Return on assets (ROA) | 1.1777% | 1,725 |
| Pretax return on assets | 1.8112% | 861 |
| Return on Equity (ROE) | 11.7011% | 1,582 |
| Retained earnings to average equity (ytd only) | 5.3284% | 2,790 |
| Net charge-offs to loans | 0.5882% | 2,348 |
| Credit loss provision to net charge-offs | 129.6160% | 2,354 |
| Earnings coverage of net charge-offs (x) | 5.7244% | 2,541 |
| Efficiency ratio | 77.7345% | 2,753 |
| Assets per employee ($millions) | 1.7420% | 7,365 |
| Cash dividends to net income (ytd only)* | 54.4627% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8332% | 2,881 |
| Loan loss allowance to noncurrent loans | 81.2900% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.9792% | 3,263 |
| Noncurrent loans to loans | 2.2552% | 3,156 |
| Net loans and leases to total assets | 69.8084% | 2,260 |
| Net loans and leases to deposits | 92.1965% | 1,038 |
| Net loans and leases to core deposits | 129.0905% | 283 |
| Total domestic deposits to total assets | 73.1874% | 6,907 |
| Equity capital to assets | 10.3585% | 3,680 |
| Core capital (leverage) ratio | 9.5674% | 3,858 |
| Tier 1 risk-based capital ratio | 12.9378% | 4,968 |
| Total risk-based capital ratio | 14.1937% | 4,938 |
| Memoranda: | ||
| Average total assets | $5,300,642,330 | 164 |
| Average earning assets | $4,834,300,330 | 160 |
| Average equity | $533,522,330 | 186 |
| Average total loans | $3,603,997,330 | 159 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 6,084 |
| Cost of funding earning assets | 0.6981% | 6,155 |
| Net interest margin | 3.5765% | 4,676 |
| Noninterest income to average assets | 6.2050% | 112 |
| Noninterest expense to average assets | 7.6087% | 121 |
| Loan and lease loss provision to assets | 0.4877% | 1,801 |
| Net operating income to assets | 0.8185% | 2,933 |
| Return on assets (ROA) | 0.8133% | 3,023 |
| Pretax return on assets | 1.3674% | 1,825 |
| Return on Equity (ROE) | 8.1981% | 2,833 |
| Retained earnings to average equity (ytd only) | 2.1478% | 4,853 |
| Net charge-offs to loans | 0.6467% | 1,911 |
| Credit loss provision to net charge-offs | 113.4777% | 2,367 |
| Earnings coverage of net charge-offs (x) | 4.3284% | 2,510 |
| Efficiency ratio | 79.9468% | 2,546 |
| Assets per employee ($millions) | 1.8533% | 7,404 |
| Cash dividends to net income (ytd only)* | 73.8007% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 2,688 |
| Loan loss allowance to noncurrent loans | 76.2879% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 3,365 |
| Noncurrent loans to loans | 2.4916% | 2,997 |
| Net loans and leases to total assets | 63.2972% | 3,586 |
| Net loans and leases to deposits | 82.6965% | 2,233 |
| Net loans and leases to core deposits | 122.3404% | 375 |
| Total domestic deposits to total assets | 73.2885% | 6,973 |
| Equity capital to assets | 9.8281% | 3,994 |
| Core capital (leverage) ratio | 9.1668% | 4,343 |
| Tier 1 risk-based capital ratio | 13.1733% | 4,686 |
| Total risk-based capital ratio | 14.4294% | 4,658 |
| Memoranda: | ||
| Average total assets | $5,331,066,000 | 163 |
| Average earning assets | $4,865,155,500 | 159 |
| Average equity | $528,901,500 | 186 |
| Average total loans | $3,542,934,500 | 162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 4,816 |
| Cost of funding earning assets | 0.7753% | 6,662 |
| Net interest margin | 4.1683% | 2,302 |
| Noninterest income to average assets | 8.5518% | 78 |
| Noninterest expense to average assets | 9.1352% | 94 |
| Loan and lease loss provision to assets | 1.6910% | 838 |
| Net operating income to assets | 1.0252% | 1,949 |
| Return on assets (ROA) | 1.0440% | 1,995 |
| Pretax return on assets | 1.4997% | 1,373 |
| Return on Equity (ROE) | 9.9302% | 1,956 |
| Retained earnings to average equity (ytd only) | 4.1323% | 2,957 |
| Net charge-offs to loans | 1.9513% | 1,047 |
| Credit loss provision to net charge-offs | 118.6417% | 3,580 |
| Earnings coverage of net charge-offs (x) | 2.2167% | 4,065 |
| Efficiency ratio | 73.9429% | 3,412 |
| Assets per employee ($millions) | 1.8340% | 7,480 |
| Cash dividends to net income (ytd only)* | 58.3862% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,857 |
| Loan loss allowance to noncurrent loans | 89.1712% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.8361% | 3,581 |
| Noncurrent loans to loans | 2.0207% | 3,535 |
| Net loans and leases to total assets | 67.1932% | 3,163 |
| Net loans and leases to deposits | 90.4937% | 1,461 |
| Net loans and leases to core deposits | 139.7509% | 229 |
| Total domestic deposits to total assets | 71.7520% | 7,104 |
| Equity capital to assets | 10.0157% | 3,726 |
| Core capital (leverage) ratio | 9.4054% | 3,842 |
| Tier 1 risk-based capital ratio | 12.7556% | 4,813 |
| Total risk-based capital ratio | 14.0109% | 4,776 |
| Memoranda: | ||
| Average total assets | $4,921,675,000 | 172 |
| Average earning assets | $4,419,241,600 | 166 |
| Average equity | $517,432,200 | 185 |
| Average total loans | $3,594,914,200 | 156 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 4,419 |
| Cost of funding earning assets | 0.8016% | 6,758 |
| Net interest margin | 4.2800% | 1,914 |
| Noninterest income to average assets | 7.9713% | 86 |
| Noninterest expense to average assets | 8.7007% | 98 |
| Loan and lease loss provision to assets | 1.4807% | 907 |
| Net operating income to assets | 1.0619% | 2,033 |
| Return on assets (ROA) | 1.0895% | 2,034 |
| Pretax return on assets | 1.6610% | 1,186 |
| Return on Equity (ROE) | 10.2301% | 2,038 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,399 |
| Net charge-offs to loans | 1.7509% | 1,114 |
| Credit loss provision to net charge-offs | 113.8175% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.3789% | 3,986 |
| Efficiency ratio | 73.3803% | 3,442 |
| Assets per employee ($millions) | 1.7938% | 7,589 |
| Cash dividends to net income (ytd only)* | 57.0024% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,481 |
| Loan loss allowance to noncurrent loans | 49.8936% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 2.6363% | 2,747 |
| Noncurrent loans to loans | 3.2290% | 2,456 |
| Net loans and leases to total assets | 70.6007% | 2,590 |
| Net loans and leases to deposits | 95.3071% | 1,067 |
| Net loans and leases to core deposits | 128.3201% | 407 |
| Total domestic deposits to total assets | 71.9896% | 7,133 |
| Equity capital to assets | 10.4213% | 3,614 |
| Core capital (leverage) ratio | 9.6736% | 3,658 |
| Tier 1 risk-based capital ratio | 12.4955% | 4,989 |
| Total risk-based capital ratio | 13.7485% | 4,961 |
| Memoranda: | ||
| Average total assets | $4,830,688,250 | 171 |
| Average earning assets | $4,316,330,750 | 170 |
| Average equity | $514,442,000 | 184 |
| Average total loans | $3,589,456,000 | 152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 4,499 |
| Cost of funding earning assets | 0.8084% | 6,877 |
| Net interest margin | 4.2838% | 1,842 |
| Noninterest income to average assets | 7.2303% | 100 |
| Noninterest expense to average assets | 8.2257% | 109 |
| Loan and lease loss provision to assets | 1.3976% | 959 |
| Net operating income to assets | 0.9748% | 2,281 |
| Return on assets (ROA) | 1.0138% | 2,215 |
| Pretax return on assets | 1.5076% | 1,541 |
| Return on Equity (ROE) | 9.4476% | 2,297 |
| Retained earnings to average equity (ytd only) | 3.5632% | 3,836 |
| Net charge-offs to loans | 1.6185% | 1,172 |
| Credit loss provision to net charge-offs | 114.8114% | 3,544 |
| Earnings coverage of net charge-offs (x) | 2.3351% | 3,830 |
| Efficiency ratio | 73.9055% | 3,492 |
| Assets per employee ($millions) | 1.8268% | 7,643 |
| Cash dividends to net income (ytd only)* | 62.2846% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,828 |
| Loan loss allowance to noncurrent loans | 76.5299% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 3,701 |
| Noncurrent loans to loans | 1.9830% | 3,744 |
| Net loans and leases to total assets | 74.6152% | 1,784 |
| Net loans and leases to deposits | 97.6201% | 912 |
| Net loans and leases to core deposits | 135.7059% | 333 |
| Total domestic deposits to total assets | 73.5675% | 7,034 |
| Equity capital to assets | 10.5362% | 3,366 |
| Core capital (leverage) ratio | 9.9035% | 3,278 |
| Tier 1 risk-based capital ratio | 12.7330% | 4,662 |
| Total risk-based capital ratio | 13.9859% | 4,622 |
| Memoranda: | ||
| Average total assets | $4,751,113,670 | 172 |
| Average earning assets | $4,256,381,000 | 172 |
| Average equity | $509,823,670 | 183 |
| Average total loans | $3,573,393,330 | 150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 4,931 |
| Cost of funding earning assets | 0.8207% | 7,025 |
| Net interest margin | 4.1987% | 2,045 |
| Noninterest income to average assets | 6.1579% | 115 |
| Noninterest expense to average assets | 7.4802% | 136 |
| Loan and lease loss provision to assets | 1.9640% | 567 |
| Net operating income to assets | 0.3148% | 5,233 |
| Return on assets (ROA) | 0.4100% | 4,941 |
| Pretax return on assets | 0.5965% | 4,615 |
| Return on Equity (ROE) | 3.7849% | 4,990 |
| Retained earnings to average equity (ytd only) | -2.1389% | 6,232 |
| Net charge-offs to loans | 2.8636% | 551 |
| Credit loss provision to net charge-offs | 91.5417% | 3,633 |
| Earnings coverage of net charge-offs (x) | 1.1292% | 4,092 |
| Efficiency ratio | 75.0663% | 3,393 |
| Assets per employee ($millions) | 1.8239% | 7,749 |
| Cash dividends to net income (ytd only)* | 156.5109% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 4,281 |
| Loan loss allowance to noncurrent loans | 62.3064% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 2.0657% | 3,424 |
| Noncurrent loans to loans | 2.2912% | 3,398 |
| Net loans and leases to total assets | 71.7700% | 2,509 |
| Net loans and leases to deposits | 103.4515% | 564 |
| Net loans and leases to core deposits | 131.2462% | 458 |
| Total domestic deposits to total assets | 66.0357% | 7,615 |
| Equity capital to assets | 10.5113% | 3,235 |
| Core capital (leverage) ratio | 9.9583% | 3,217 |
| Tier 1 risk-based capital ratio | 12.4957% | 4,756 |
| Total risk-based capital ratio | 13.7464% | 4,705 |
| Memoranda: | ||
| Average total assets | $4,675,158,500 | 181 |
| Average earning assets | $4,169,814,500 | 178 |
| Average equity | $506,439,000 | 184 |
| Average total loans | $3,502,701,000 | 158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 5,444 |
| Cost of funding earning assets | 0.9759% | 7,249 |
| Net interest margin | 4.2669% | 1,830 |
| Noninterest income to average assets | 7.6034% | 93 |
| Noninterest expense to average assets | 8.2327% | 135 |
| Loan and lease loss provision to assets | 1.5397% | 1,497 |
| Net operating income to assets | 1.1036% | 1,502 |
| Return on assets (ROA) | 1.1085% | 1,522 |
| Pretax return on assets | 1.6546% | 858 |
| Return on Equity (ROE) | 9.5072% | 1,854 |
| Retained earnings to average equity (ytd only) | 3.4663% | 2,743 |
| Net charge-offs to loans | 1.6373% | 1,548 |
| Credit loss provision to net charge-offs | 120.6686% | 4,430 |
| Earnings coverage of net charge-offs (x) | 2.4977% | 3,878 |
| Efficiency ratio | 71.7955% | 4,293 |
| Assets per employee ($millions) | 1.7593% | 7,836 |
| Cash dividends to net income (ytd only)* | 63.5403% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 3,797 |
| Loan loss allowance to noncurrent loans | 75.2742% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 3,517 |
| Noncurrent loans to loans | 1.9744% | 3,680 |
| Net loans and leases to total assets | 76.0102% | 1,793 |
| Net loans and leases to deposits | 105.2396% | 588 |
| Net loans and leases to core deposits | 142.1343% | 731 |
| Total domestic deposits to total assets | 68.5551% | 7,514 |
| Equity capital to assets | 11.1725% | 2,558 |
| Core capital (leverage) ratio | 9.9726% | 3,116 |
| Tier 1 risk-based capital ratio | 12.8174% | 4,272 |
| Total risk-based capital ratio | 14.0689% | 4,220 |
| Memoranda: | ||
| Average total assets | $4,330,226,600 | 194 |
| Average earning assets | $3,873,057,400 | 191 |
| Average equity | $504,890,600 | 183 |
| Average total loans | $3,374,569,600 | 174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 5,737 |
| Cost of funding earning assets | 0.9922% | 7,404 |
| Net interest margin | 4.2437% | 1,892 |
| Noninterest income to average assets | 7.6524% | 98 |
| Noninterest expense to average assets | 7.9806% | 159 |
| Loan and lease loss provision to assets | 1.2180% | 1,591 |
| Net operating income to assets | 1.4467% | 925 |
| Return on assets (ROA) | 1.4527% | 971 |
| Pretax return on assets | 2.2559% | 309 |
| Return on Equity (ROE) | 12.3229% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.4311% | 1,334 |
| Net charge-offs to loans | 1.5937% | 1,283 |
| Credit loss provision to net charge-offs | 97.8145% | 5,227 |
| Earnings coverage of net charge-offs (x) | 2.7823% | 3,829 |
| Efficiency ratio | 69.4945% | 4,696 |
| Assets per employee ($millions) | 1.8955% | 7,857 |
| Cash dividends to net income (ytd only)* | 39.6970% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,455 |
| Loan loss allowance to noncurrent loans | 63.4763% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6295% | 3,916 |
| Noncurrent loans to loans | 1.8008% | 3,909 |
| Net loans and leases to total assets | 73.8736% | 2,561 |
| Net loans and leases to deposits | 105.8813% | 657 |
| Net loans and leases to core deposits | 141.6237% | 842 |
| Total domestic deposits to total assets | 67.2091% | 7,627 |
| Equity capital to assets | 11.1649% | 2,860 |
| Core capital (leverage) ratio | 10.6226% | 2,691 |
| Tier 1 risk-based capital ratio | 12.7300% | 4,368 |
| Total risk-based capital ratio | 13.8049% | 4,451 |
| Memoranda: | ||
| Average total assets | $4,277,124,250 | 203 |
| Average earning assets | $3,822,736,000 | 204 |
| Average equity | $504,231,500 | 187 |
| Average total loans | $3,341,972,750 | 182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2791% | 5,749 |
| Cost of funding earning assets | 1.0073% | 7,543 |
| Net interest margin | 4.2718% | 1,744 |
| Noninterest income to average assets | 7.7484% | 91 |
| Noninterest expense to average assets | 7.9326% | 164 |
| Loan and lease loss provision to assets | 1.1935% | 1,438 |
| Net operating income to assets | 1.5921% | 695 |
| Return on assets (ROA) | 1.6015% | 745 |
| Pretax return on assets | 2.4824% | 222 |
| Return on Equity (ROE) | 13.3206% | 1,114 |
| Retained earnings to average equity (ytd only) | 8.5101% | 1,064 |
| Net charge-offs to loans | 2.0427% | 909 |
| Credit loss provision to net charge-offs | 73.5746% | 5,352 |
| Earnings coverage of net charge-offs (x) | 2.2572% | 3,942 |
| Efficiency ratio | 68.4048% | 5,088 |
| Assets per employee ($millions) | 1.9466% | 7,886 |
| Cash dividends to net income (ytd only)* | 36.1130% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,713 |
| Loan loss allowance to noncurrent loans | 59.0603% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 4,038 |
| Noncurrent loans to loans | 1.5467% | 4,175 |
| Net loans and leases to total assets | 78.5271% | 1,633 |
| Net loans and leases to deposits | 117.5117% | 289 |
| Net loans and leases to core deposits | 157.3528% | 489 |
| Total domestic deposits to total assets | 64.5867% | 7,807 |
| Equity capital to assets | 11.6580% | 2,415 |
| Core capital (leverage) ratio | 11.1126% | 2,321 |
| Tier 1 risk-based capital ratio | 12.9458% | 4,187 |
| Total risk-based capital ratio | 13.8272% | 4,379 |
| Memoranda: | ||
| Average total assets | $4,149,770,670 | 212 |
| Average earning assets | $3,735,766,000 | 214 |
| Average equity | $498,910,670 | 191 |
| Average total loans | $3,295,395,330 | 190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 6,162 |
| Cost of funding earning assets | 1.1058% | 7,511 |
| Net interest margin | 4.1342% | 2,145 |
| Noninterest income to average assets | 7.0182% | 95 |
| Noninterest expense to average assets | 7.2906% | 188 |
| Loan and lease loss provision to assets | 1.3909% | 917 |
| Net operating income to assets | 1.3337% | 1,306 |
| Return on assets (ROA) | 1.3529% | 1,342 |
| Pretax return on assets | 2.1006% | 539 |
| Return on Equity (ROE) | 11.0702% | 1,945 |
| Retained earnings to average equity (ytd only) | 6.1970% | 2,546 |
| Net charge-offs to loans | 3.1916% | 398 |
| Credit loss provision to net charge-offs | 54.8197% | 4,606 |
| Earnings coverage of net charge-offs (x) | 1.3643% | 4,052 |
| Efficiency ratio | 67.7892% | 5,005 |
| Assets per employee ($millions) | 2.0532% | 7,855 |
| Cash dividends to net income (ytd only)* | 44.0205% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,763 |
| Loan loss allowance to noncurrent loans | 57.2634% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 3,708 |
| Noncurrent loans to loans | 1.5688% | 3,926 |
| Net loans and leases to total assets | 77.8099% | 1,866 |
| Net loans and leases to deposits | 118.3195% | 331 |
| Net loans and leases to core deposits | 166.6439% | 399 |
| Total domestic deposits to total assets | 61.9822% | 7,914 |
| Equity capital to assets | 12.0203% | 2,246 |
| Core capital (leverage) ratio | 11.6035% | 2,089 |
| Tier 1 risk-based capital ratio | 13.5761% | 3,817 |
| Total risk-based capital ratio | 14.4270% | 3,986 |
| Memoranda: | ||
| Average total assets | $4,029,847,500 | 218 |
| Average earning assets | $3,639,685,000 | 212 |
| Average equity | $492,495,500 | 189 |
| Average total loans | $3,203,685,000 | 198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1949% | 4,543 |
| Cost of funding earning assets | 1.9164% | 6,684 |
| Net interest margin | 4.2785% | 2,050 |
| Noninterest income to average assets | 3.3229% | 174 |
| Noninterest expense to average assets | 4.9400% | 642 |
| Loan and lease loss provision to assets | 0.6694% | 2,173 |
| Net operating income to assets | 1.0641% | 2,285 |
| Return on assets (ROA) | 1.0641% | 2,193 |
| Pretax return on assets | 1.6345% | 1,297 |
| Return on Equity (ROE) | 10.3078% | 2,158 |
| Retained earnings to average equity (ytd only) | 4.6242% | 2,250 |
| Net charge-offs to loans | 0.3460% | 3,103 |
| Credit loss provision to net charge-offs | 229.4881% | 2,071 |
| Earnings coverage of net charge-offs (x) | 7.8983% | 3,001 |
| Efficiency ratio | 68.1657% | 4,699 |
| Assets per employee ($millions) | 2.1111% | 7,817 |
| Cash dividends to net income (ytd only)* | 55.1390% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,895 |
| Loan loss allowance to noncurrent loans | 80.1482% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 3,168 |
| Noncurrent loans to loans | 1.6031% | 3,363 |
| Net loans and leases to total assets | 79.4975% | 1,775 |
| Net loans and leases to deposits | 106.6065% | 1,074 |
| Net loans and leases to core deposits | 140.2946% | 1,249 |
| Total domestic deposits to total assets | 71.0996% | 7,145 |
| Equity capital to assets | 12.4322% | 2,046 |
| Core capital (leverage) ratio | 13.5559% | 1,368 |
| Tier 1 risk-based capital ratio | 13.6751% | 3,710 |
| Total risk-based capital ratio | 14.8926% | 3,640 |
| Memoranda: | ||
| Average total assets | $3,408,689,600 | 236 |
| Average earning assets | $3,123,882,600 | 232 |
| Average equity | $351,889,200 | 244 |
| Average total loans | $2,873,882,400 | 207 |