Home > Provident Bank > Performance and Condition Ratios
Provident 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 | 4.8838% | 2,316 |
| Cost of funding earning assets | 1.7118% | 1,425 |
| Net interest margin | 3.1720% | 2,938 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 1.9562% | 3,721 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.9387% | 2,410 |
| Return on assets (ROA) | 0.9390% | 2,394 |
| Pretax return on assets | 1.2763% | 1,942 |
| Return on Equity (ROE) | 8.2200% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.3830% | 2,835 |
| Net charge-offs to loans | 0.0774% | 1,095 |
| Credit loss provision to net charge-offs | 343.2156% | 868 |
| Earnings coverage of net charge-offs (x) | 25.3651% | 1,735 |
| Efficiency ratio | 56.3998% | 3,458 |
| Assets per employee ($millions) | 12.6719% | 354 |
| Cash dividends to net income (ytd only)* | 46.6573% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 3,382 |
| Loan loss allowance to noncurrent loans | 212.8800% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 1,268 |
| Noncurrent loans to loans | 0.4631% | 1,622 |
| Net loans and leases to total assets | 75.7900% | 1,145 |
| Net loans and leases to deposits | 104.1520% | 351 |
| Net loans and leases to core deposits | 108.1484% | 1,031 |
| Total domestic deposits to total assets | 72.7700% | 4,183 |
| Equity capital to assets | 11.6350% | 1,239 |
| Core capital (leverage) ratio | 9.8374% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9504% | 2,598 |
| Memoranda: | ||
| Average total assets | $13,972,347,600 | 128 |
| Average earning assets | $12,609,281,000 | 127 |
| Average equity | $1,596,706,600 | 112 |
| Average total loans | $10,508,988,200 | 120 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 2,256 |
| Cost of funding earning assets | 1.5697% | 1,438 |
| Net interest margin | 3.2332% | 2,840 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 1.9113% | 3,786 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 0.9890% | 2,397 |
| Return on assets (ROA) | 0.9893% | 2,381 |
| Pretax return on assets | 1.3216% | 1,974 |
| Return on Equity (ROE) | 8.7000% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.0667% | 2,909 |
| Net charge-offs to loans | 0.0930% | 829 |
| Credit loss provision to net charge-offs | 377.0988% | 744 |
| Earnings coverage of net charge-offs (x) | 22.7484% | 1,753 |
| Efficiency ratio | 54.0867% | 3,580 |
| Assets per employee ($millions) | 12.5950% | 327 |
| Cash dividends to net income (ytd only)* | 41.7458% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,319 |
| Loan loss allowance to noncurrent loans | 272.1116% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 1,453 |
| Noncurrent loans to loans | 0.3706% | 1,906 |
| Net loans and leases to total assets | 74.9900% | 1,237 |
| Net loans and leases to deposits | 103.6912% | 363 |
| Net loans and leases to core deposits | 107.7987% | 944 |
| Total domestic deposits to total assets | 72.3200% | 4,243 |
| Equity capital to assets | 11.2525% | 1,255 |
| Core capital (leverage) ratio | 9.8433% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9763% | 2,617 |
| Memoranda: | ||
| Average total assets | $13,914,145,500 | 129 |
| Average earning assets | $12,537,880,750 | 127 |
| Average equity | $1,582,691,250 | 115 |
| Average total loans | $10,417,810,000 | 124 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,213 |
| Cost of funding earning assets | 1.3732% | 1,523 |
| Net interest margin | 3.3242% | 2,700 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 1.9152% | 3,782 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.0696% | 2,208 |
| Return on assets (ROA) | 1.0699% | 2,203 |
| Pretax return on assets | 1.4428% | 1,715 |
| Return on Equity (ROE) | 9.3700% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.2115% | 2,542 |
| Net charge-offs to loans | 0.0340% | 1,215 |
| Credit loss provision to net charge-offs | 933.9408% | 429 |
| Earnings coverage of net charge-offs (x) | 66.2563% | 1,139 |
| Efficiency ratio | 52.6928% | 3,723 |
| Assets per employee ($millions) | 12.3777% | 341 |
| Cash dividends to net income (ytd only)* | 33.7218% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,534 |
| Loan loss allowance to noncurrent loans | 222.2409% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 1,256 |
| Noncurrent loans to loans | 0.4362% | 1,630 |
| Net loans and leases to total assets | 74.3600% | 1,240 |
| Net loans and leases to deposits | 101.1762% | 468 |
| Net loans and leases to core deposits | 105.1885% | 1,013 |
| Total domestic deposits to total assets | 73.5000% | 4,226 |
| Equity capital to assets | 11.4335% | 1,218 |
| Core capital (leverage) ratio | 9.8402% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0042% | 2,624 |
| Memoranda: | ||
| Average total assets | $13,858,455,333 | 126 |
| Average earning assets | $12,494,242,333 | 124 |
| Average equity | $1,582,093,333 | 112 |
| Average total loans | $10,334,542,667 | 120 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 2,025 |
| Cost of funding earning assets | 1.1312% | 1,659 |
| Net interest margin | 3.4928% | 2,386 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 1.9962% | 3,634 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.2071% | 1,912 |
| Return on assets (ROA) | 1.2070% | 1,870 |
| Pretax return on assets | 1.6195% | 1,417 |
| Return on Equity (ROE) | 10.5800% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.2898% | 2,144 |
| Net charge-offs to loans | 0.0262% | 1,168 |
| Credit loss provision to net charge-offs | 894.1878% | 388 |
| Earnings coverage of net charge-offs (x) | 92.0715% | 831 |
| Efficiency ratio | 52.0988% | 3,769 |
| Assets per employee ($millions) | 11.9978% | 398 |
| Cash dividends to net income (ytd only)* | 21.6518% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 3,833 |
| Loan loss allowance to noncurrent loans | 261.6218% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 1,439 |
| Noncurrent loans to loans | 0.3468% | 1,900 |
| Net loans and leases to total assets | 73.5600% | 1,254 |
| Net loans and leases to deposits | 97.9390% | 542 |
| Net loans and leases to core deposits | 101.7697% | 1,009 |
| Total domestic deposits to total assets | 75.1100% | 4,212 |
| Equity capital to assets | 11.6046% | 1,125 |
| Core capital (leverage) ratio | 9.7634% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0550% | 2,717 |
| Memoranda: | ||
| Average total assets | $13,775,743,500 | 127 |
| Average earning assets | $12,418,336,500 | 128 |
| Average equity | $1,571,433,000 | 116 |
| Average total loans | $10,236,548,500 | 123 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 2,382 |
| Cost of funding earning assets | 0.3934% | 2,152 |
| Net interest margin | 3.3649% | 2,365 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 1.8578% | 3,913 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2896% | 1,470 |
| Return on assets (ROA) | 1.2906% | 1,425 |
| Pretax return on assets | 1.7613% | 800 |
| Return on Equity (ROE) | 11.3800% | 2,354 |
| Retained earnings to average equity (ytd only) | 4.3626% | 3,282 |
| Net charge-offs to loans | 0.0113% | 1,959 |
| Credit loss provision to net charge-offs | 752.0143% | 516 |
| Earnings coverage of net charge-offs (x) | 223.2910% | 601 |
| Efficiency ratio | 49.8580% | 4,135 |
| Assets per employee ($millions) | 12.0018% | 389 |
| Cash dividends to net income (ytd only)* | 61.6760% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 3,899 |
| Loan loss allowance to noncurrent loans | 150.5464% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 1,162 |
| Noncurrent loans to loans | 0.5705% | 1,305 |
| Net loans and leases to total assets | 73.7500% | 1,240 |
| Net loans and leases to deposits | 95.7706% | 658 |
| Net loans and leases to core deposits | 98.5086% | 1,081 |
| Total domestic deposits to total assets | 77.0000% | 4,173 |
| Equity capital to assets | 11.2100% | 1,180 |
| Core capital (leverage) ratio | 9.5069% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5807% | 2,844 |
| Memoranda: | ||
| Average total assets | $13,694,832,400 | 134 |
| Average earning assets | $12,404,204,200 | 130 |
| Average equity | $1,552,688,400 | 121 |
| Average total loans | $9,906,472,600 | 123 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 2,503 |
| Cost of funding earning assets | 0.2762% | 2,425 |
| Net interest margin | 3.2599% | 2,428 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 1.8845% | 3,782 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2398% | 1,553 |
| Return on assets (ROA) | 1.2410% | 1,527 |
| Pretax return on assets | 1.6917% | 917 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | 3.1109% | 3,749 |
| Net charge-offs to loans | -0.0393% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3475% | 4,056 |
| Assets per employee ($millions) | 11.7128% | 419 |
| Cash dividends to net income (ytd only)* | 71.4982% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 3,911 |
| Loan loss allowance to noncurrent loans | 149.0632% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 1,195 |
| Noncurrent loans to loans | 0.5918% | 1,363 |
| Net loans and leases to total assets | 73.2300% | 1,160 |
| Net loans and leases to deposits | 92.8079% | 710 |
| Net loans and leases to core deposits | 96.0378% | 998 |
| Total domestic deposits to total assets | 78.9000% | 4,185 |
| Equity capital to assets | 11.0109% | 1,174 |
| Core capital (leverage) ratio | 9.2812% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1446% | 3,019 |
| Memoranda: | ||
| Average total assets | $13,674,024,250 | 132 |
| Average earning assets | $12,405,262,750 | 129 |
| Average equity | $1,554,731,250 | 124 |
| Average total loans | $9,820,870,000 | 123 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 2,656 |
| Cost of funding earning assets | 0.2155% | 2,698 |
| Net interest margin | 3.1106% | 2,501 |
| Noninterest income to average assets | 0.5903% | 1,785 |
| Noninterest expense to average assets | 1.8163% | 3,913 |
| Loan and lease loss provision to assets | -0.0498% | 4,517 |
| Net operating income to assets | 1.2226% | 1,358 |
| Return on assets (ROA) | 1.2245% | 1,334 |
| Pretax return on assets | 1.6561% | 835 |
| Return on Equity (ROE) | 10.6578% | 2,111 |
| Retained earnings to average equity (ytd only) | 1.6355% | 3,845 |
| Net charge-offs to loans | -0.0344% | 4,098 |
| Credit loss provision to net charge-offs | 202.8640% | 958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3826% | 4,095 |
| Assets per employee ($millions) | 11.3780% | 451 |
| Cash dividends to net income (ytd only)* | 84.6548% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 4,186 |
| Loan loss allowance to noncurrent loans | 195.3521% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,551 |
| Noncurrent loans to loans | 0.4048% | 1,916 |
| Net loans and leases to total assets | 72.3053% | 1,074 |
| Net loans and leases to deposits | 90.7922% | 674 |
| Net loans and leases to core deposits | 93.7176% | 928 |
| Total domestic deposits to total assets | 79.6382% | 4,255 |
| Equity capital to assets | 11.1852% | 1,140 |
| Core capital (leverage) ratio | 9.1314% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2068% | 2,986 |
| Memoranda: | ||
| Average total assets | $13,699,167,000 | 131 |
| Average earning assets | $12,463,651,000 | 130 |
| Average equity | $1,573,865,333 | 123 |
| Average total loans | $9,745,650,333 | 123 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 2,590 |
| Cost of funding earning assets | 0.2098% | 2,671 |
| Net interest margin | 3.0242% | 2,426 |
| Noninterest income to average assets | 0.5802% | 1,780 |
| Noninterest expense to average assets | 1.7890% | 3,964 |
| Loan and lease loss provision to assets | -0.1871% | 4,679 |
| Net operating income to assets | 1.2921% | 1,020 |
| Return on assets (ROA) | 1.2925% | 1,012 |
| Pretax return on assets | 1.7374% | 638 |
| Return on Equity (ROE) | 11.1030% | 1,588 |
| Retained earnings to average equity (ytd only) | -0.9420% | 4,136 |
| Net charge-offs to loans | -0.0804% | 4,402 |
| Credit loss provision to net charge-offs | 330.7494% | 641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8535% | 4,134 |
| Assets per employee ($millions) | 11.8361% | 413 |
| Cash dividends to net income (ytd only)* | 108.4844% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 4,263 |
| Loan loss allowance to noncurrent loans | 172.1317% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 1,553 |
| Noncurrent loans to loans | 0.4586% | 1,878 |
| Net loans and leases to total assets | 70.4299% | 979 |
| Net loans and leases to deposits | 83.9399% | 883 |
| Net loans and leases to core deposits | 90.1106% | 920 |
| Total domestic deposits to total assets | 83.9052% | 3,789 |
| Equity capital to assets | 11.4351% | 1,146 |
| Core capital (leverage) ratio | 8.8464% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6134% | 2,964 |
| Memoranda: | ||
| Average total assets | $13,693,489,500 | 132 |
| Average earning assets | $12,491,076,000 | 133 |
| Average equity | $1,594,023,500 | 124 |
| Average total loans | $9,622,253,000 | 124 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 3,072 |
| Cost of funding earning assets | 0.3004% | 2,404 |
| Net interest margin | 3.0432% | 3,067 |
| Noninterest income to average assets | 0.6493% | 1,945 |
| Noninterest expense to average assets | 1.8717% | 3,993 |
| Loan and lease loss provision to assets | -0.1832% | 4,676 |
| Net operating income to assets | 1.2724% | 1,680 |
| Return on assets (ROA) | 1.2739% | 1,737 |
| Pretax return on assets | 1.7196% | 1,096 |
| Return on Equity (ROE) | 10.5435% | 2,333 |
| Retained earnings to average equity (ytd only) | 4.1870% | 3,146 |
| Net charge-offs to loans | -0.0370% | 4,193 |
| Credit loss provision to net charge-offs | 679.9105% | 680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1743% | 3,914 |
| Assets per employee ($millions) | 12.0520% | 390 |
| Cash dividends to net income (ytd only)* | 60.2877% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 4,194 |
| Loan loss allowance to noncurrent loans | 168.1173% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 1,588 |
| Noncurrent loans to loans | 0.5012% | 1,872 |
| Net loans and leases to total assets | 68.9698% | 1,151 |
| Net loans and leases to deposits | 84.2206% | 893 |
| Net loans and leases to core deposits | 89.7861% | 981 |
| Total domestic deposits to total assets | 81.8919% | 3,985 |
| Equity capital to assets | 11.8439% | 1,322 |
| Core capital (leverage) ratio | 8.8595% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5305% | 2,979 |
| Memoranda: | ||
| Average total assets | $13,282,577,400 | 134 |
| Average earning assets | $12,032,957,400 | 134 |
| Average equity | $1,604,901,000 | 130 |
| Average total loans | $9,660,502,600 | 125 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 3,187 |
| Cost of funding earning assets | 0.3183% | 2,416 |
| Net interest margin | 3.0530% | 3,168 |
| Noninterest income to average assets | 0.6654% | 1,955 |
| Noninterest expense to average assets | 1.8937% | 3,958 |
| Loan and lease loss provision to assets | -0.2506% | 4,795 |
| Net operating income to assets | 1.3316% | 1,733 |
| Return on assets (ROA) | 1.3337% | 1,781 |
| Pretax return on assets | 1.7837% | 1,198 |
| Return on Equity (ROE) | 10.9809% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.1413% | 3,164 |
| Net charge-offs to loans | -0.0450% | 4,304 |
| Credit loss provision to net charge-offs | 756.0453% | 611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5168% | 3,726 |
| Assets per employee ($millions) | 11.7427% | 399 |
| Cash dividends to net income (ytd only)* | 53.1798% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 4,293 |
| Loan loss allowance to noncurrent loans | 121.0823% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 1,511 |
| Noncurrent loans to loans | 0.6918% | 1,596 |
| Net loans and leases to total assets | 70.7761% | 1,015 |
| Net loans and leases to deposits | 87.0134% | 768 |
| Net loans and leases to core deposits | 93.5896% | 844 |
| Total domestic deposits to total assets | 81.3393% | 4,046 |
| Equity capital to assets | 12.1055% | 1,356 |
| Core capital (leverage) ratio | 8.9941% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5509% | 3,036 |
| Memoranda: | ||
| Average total assets | $13,159,366,500 | 133 |
| Average earning assets | $11,891,098,000 | 136 |
| Average equity | $1,598,238,000 | 131 |
| Average total loans | $9,680,222,250 | 125 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 3,163 |
| Cost of funding earning assets | 0.3401% | 2,404 |
| Net interest margin | 3.0670% | 3,124 |
| Noninterest income to average assets | 0.6475% | 2,012 |
| Noninterest expense to average assets | 1.8928% | 3,983 |
| Loan and lease loss provision to assets | -0.3929% | 4,877 |
| Net operating income to assets | 1.4337% | 1,470 |
| Return on assets (ROA) | 1.4365% | 1,529 |
| Pretax return on assets | 1.9181% | 981 |
| Return on Equity (ROE) | 11.8144% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.2884% | 2,323 |
| Net charge-offs to loans | -0.1068% | 4,643 |
| Credit loss provision to net charge-offs | 494.8970% | 687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6264% | 3,727 |
| Assets per employee ($millions) | 11.4186% | 411 |
| Cash dividends to net income (ytd only)* | 38.3093% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 4,287 |
| Loan loss allowance to noncurrent loans | 101.1229% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 1,328 |
| Noncurrent loans to loans | 0.8392% | 1,464 |
| Net loans and leases to total assets | 71.5969% | 1,013 |
| Net loans and leases to deposits | 88.8823% | 720 |
| Net loans and leases to core deposits | 96.0138% | 804 |
| Total domestic deposits to total assets | 80.5526% | 4,149 |
| Equity capital to assets | 12.2678% | 1,236 |
| Core capital (leverage) ratio | 9.0518% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6641% | 3,019 |
| Memoranda: | ||
| Average total assets | $13,083,597,000 | 133 |
| Average earning assets | $11,803,323,333 | 137 |
| Average equity | $1,590,807,667 | 131 |
| Average total loans | $9,722,096,333 | 125 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 3,104 |
| Cost of funding earning assets | 0.3582% | 2,459 |
| Net interest margin | 3.0771% | 3,067 |
| Noninterest income to average assets | 0.6556% | 2,007 |
| Noninterest expense to average assets | 1.8879% | 4,007 |
| Loan and lease loss provision to assets | -0.4609% | 4,907 |
| Net operating income to assets | 1.4978% | 1,340 |
| Return on assets (ROA) | 1.5026% | 1,383 |
| Pretax return on assets | 2.0011% | 948 |
| Return on Equity (ROE) | 12.4144% | 1,866 |
| Retained earnings to average equity (ytd only) | 7.8454% | 2,301 |
| Net charge-offs to loans | 0.0356% | 1,118 |
| Credit loss provision to net charge-offs | -1,716.3616% | 3,517 |
| Earnings coverage of net charge-offs (x) | 57.1327% | 847 |
| Efficiency ratio | 54.3395% | 3,747 |
| Assets per employee ($millions) | 11.2084% | 422 |
| Cash dividends to net income (ytd only)* | 36.8038% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,233 |
| Loan loss allowance to noncurrent loans | 104.2725% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 1,472 |
| Noncurrent loans to loans | 0.8373% | 1,594 |
| Net loans and leases to total assets | 74.0411% | 807 |
| Net loans and leases to deposits | 93.9187% | 498 |
| Net loans and leases to core deposits | 99.9916% | 715 |
| Total domestic deposits to total assets | 78.8353% | 4,352 |
| Equity capital to assets | 12.1136% | 1,238 |
| Core capital (leverage) ratio | 8.8510% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1817% | 3,049 |
| Memoranda: | ||
| Average total assets | $13,019,733,000 | 134 |
| Average earning assets | $11,705,542,000 | 138 |
| Average equity | $1,575,845,000 | 132 |
| Average total loans | $9,813,213,000 | 124 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 3,712 |
| Cost of funding earning assets | 0.5164% | 2,840 |
| Net interest margin | 3.1284% | 3,558 |
| Noninterest income to average assets | 0.6414% | 2,060 |
| Noninterest expense to average assets | 2.0153% | 4,110 |
| Loan and lease loss provision to assets | 0.2646% | 1,460 |
| Net operating income to assets | 0.8653% | 2,842 |
| Return on assets (ROA) | 0.8659% | 2,979 |
| Pretax return on assets | 1.1384% | 2,556 |
| Return on Equity (ROE) | 6.8468% | 3,261 |
| Retained earnings to average equity (ytd only) | 2.9039% | 3,416 |
| Net charge-offs to loans | 0.0627% | 1,881 |
| Credit loss provision to net charge-offs | 563.2227% | 1,159 |
| Earnings coverage of net charge-offs (x) | 29.8591% | 1,617 |
| Efficiency ratio | 58.1156% | 3,710 |
| Assets per employee ($millions) | 10.9630% | 403 |
| Cash dividends to net income (ytd only)* | 57.5879% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,746 |
| Loan loss allowance to noncurrent loans | 116.5419% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 1,494 |
| Noncurrent loans to loans | 0.8863% | 1,592 |
| Net loans and leases to total assets | 75.2759% | 867 |
| Net loans and leases to deposits | 98.3724% | 446 |
| Net loans and leases to core deposits | 103.5408% | 748 |
| Total domestic deposits to total assets | 76.5213% | 4,463 |
| Equity capital to assets | 12.0932% | 1,520 |
| Core capital (leverage) ratio | 8.7468% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2100% | 3,060 |
| Memoranda: | ||
| Average total assets | $11,232,789,000 | 141 |
| Average earning assets | $9,967,887,200 | 141 |
| Average equity | $1,420,623,400 | 136 |
| Average total loans | $8,410,203,800 | 135 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 3,874 |
| Cost of funding earning assets | 0.5579% | 2,880 |
| Net interest margin | 3.1076% | 3,719 |
| Noninterest income to average assets | 0.6385% | 2,030 |
| Noninterest expense to average assets | 2.0736% | 4,000 |
| Loan and lease loss provision to assets | 0.3948% | 905 |
| Net operating income to assets | 0.6958% | 3,472 |
| Return on assets (ROA) | 0.6963% | 3,571 |
| Pretax return on assets | 0.9218% | 3,320 |
| Return on Equity (ROE) | 5.4347% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.4136% | 3,352 |
| Net charge-offs to loans | 0.0451% | 1,978 |
| Credit loss provision to net charge-offs | 1,173.8541% | 747 |
| Earnings coverage of net charge-offs (x) | 39.1338% | 1,372 |
| Efficiency ratio | 60.3485% | 3,342 |
| Assets per employee ($millions) | 11.0832% | 379 |
| Cash dividends to net income (ytd only)* | 37.1892% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,262 |
| Loan loss allowance to noncurrent loans | 217.2866% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 2,548 |
| Noncurrent loans to loans | 0.5015% | 2,551 |
| Net loans and leases to total assets | 75.1278% | 1,222 |
| Net loans and leases to deposits | 100.6630% | 510 |
| Net loans and leases to core deposits | 106.3873% | 835 |
| Total domestic deposits to total assets | 74.6330% | 4,530 |
| Equity capital to assets | 11.8825% | 1,746 |
| Core capital (leverage) ratio | 9.2582% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3726% | 3,052 |
| Memoranda: | ||
| Average total assets | $10,812,387,000 | 142 |
| Average earning assets | $9,572,235,250 | 142 |
| Average equity | $1,385,337,250 | 139 |
| Average total loans | $8,057,032,250 | 135 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 3,923 |
| Cost of funding earning assets | 0.6340% | 2,791 |
| Net interest margin | 3.1438% | 3,798 |
| Noninterest income to average assets | 0.6166% | 2,070 |
| Noninterest expense to average assets | 2.1451% | 3,939 |
| Loan and lease loss provision to assets | 0.5055% | 704 |
| Net operating income to assets | 0.5761% | 3,814 |
| Return on assets (ROA) | 0.5770% | 3,888 |
| Pretax return on assets | 0.7540% | 3,729 |
| Return on Equity (ROE) | 4.3695% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.0245% | 3,377 |
| Net charge-offs to loans | 0.0744% | 1,508 |
| Credit loss provision to net charge-offs | 918.8801% | 838 |
| Earnings coverage of net charge-offs (x) | 22.8894% | 1,617 |
| Efficiency ratio | 62.2197% | 3,092 |
| Assets per employee ($millions) | 10.4810% | 440 |
| Cash dividends to net income (ytd only)* | 30.7808% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 2,995 |
| Loan loss allowance to noncurrent loans | 243.2092% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 2,878 |
| Noncurrent loans to loans | 0.4567% | 2,780 |
| Net loans and leases to total assets | 73.0579% | 1,546 |
| Net loans and leases to deposits | 99.7643% | 564 |
| Net loans and leases to core deposits | 102.8854% | 1,071 |
| Total domestic deposits to total assets | 73.2305% | 4,640 |
| Equity capital to assets | 12.6332% | 1,324 |
| Core capital (leverage) ratio | 9.1707% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5093% | 3,084 |
| Memoranda: | ||
| Average total assets | $10,134,702,667 | 145 |
| Average earning assets | $8,984,291,000 | 148 |
| Average equity | $1,338,331,667 | 142 |
| Average total loans | $7,490,440,000 | 142 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,799 |
| Cost of funding earning assets | 0.7457% | 2,689 |
| Net interest margin | 3.2488% | 3,731 |
| Noninterest income to average assets | 0.6872% | 1,691 |
| Noninterest expense to average assets | 2.1631% | 4,092 |
| Loan and lease loss provision to assets | 0.5919% | 475 |
| Net operating income to assets | 0.6049% | 3,583 |
| Return on assets (ROA) | 0.6052% | 3,641 |
| Pretax return on assets | 0.8166% | 3,372 |
| Return on Equity (ROE) | 4.4806% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.4806% | 2,501 |
| Net charge-offs to loans | 0.1633% | 806 |
| Credit loss provision to net charge-offs | 489.6736% | 900 |
| Earnings coverage of net charge-offs (x) | 11.6619% | 1,724 |
| Efficiency ratio | 59.7676% | 3,767 |
| Assets per employee ($millions) | 10.0339% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,603 |
| Loan loss allowance to noncurrent loans | 212.6348% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 2,944 |
| Noncurrent loans to loans | 0.4794% | 2,817 |
| Net loans and leases to total assets | 72.3610% | 1,862 |
| Net loans and leases to deposits | 100.6084% | 515 |
| Net loans and leases to core deposits | 104.7671% | 1,134 |
| Total domestic deposits to total assets | 71.9235% | 4,774 |
| Equity capital to assets | 13.1183% | 1,372 |
| Core capital (leverage) ratio | 9.2706% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9722% | 3,107 |
| Memoranda: | ||
| Average total assets | $9,945,856,000 | 145 |
| Average earning assets | $8,828,813,500 | 144 |
| Average equity | $1,343,473,500 | 139 |
| Average total loans | $7,352,464,500 | 144 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,780 |
| Cost of funding earning assets | 0.8504% | 2,429 |
| Net interest margin | 3.3635% | 3,842 |
| Noninterest income to average assets | 0.6445% | 2,028 |
| Noninterest expense to average assets | 2.0353% | 4,474 |
| Loan and lease loss provision to assets | 0.1332% | 1,599 |
| Net operating income to assets | 1.1411% | 2,288 |
| Return on assets (ROA) | 1.1417% | 2,383 |
| Pretax return on assets | 1.4906% | 1,836 |
| Return on Equity (ROE) | 8.3362% | 3,027 |
| Retained earnings to average equity (ytd only) | 0.3642% | 4,588 |
| Net charge-offs to loans | 0.1806% | 1,112 |
| Credit loss provision to net charge-offs | 99.7108% | 2,507 |
| Earnings coverage of net charge-offs (x) | 12.1534% | 2,429 |
| Efficiency ratio | 54.8971% | 4,330 |
| Assets per employee ($millions) | 9.8868% | 372 |
| Cash dividends to net income (ytd only)* | 95.6313% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 4,426 |
| Loan loss allowance to noncurrent loans | 138.1459% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 2,647 |
| Noncurrent loans to loans | 0.5481% | 2,530 |
| Net loans and leases to total assets | 74.2006% | 1,718 |
| Net loans and leases to deposits | 101.6514% | 494 |
| Net loans and leases to core deposits | 106.2889% | 1,092 |
| Total domestic deposits to total assets | 72.9951% | 4,831 |
| Equity capital to assets | 13.9084% | 1,130 |
| Core capital (leverage) ratio | 9.8124% | 3,720 |
| Tier 1 risk-based capital ratio | 12.0903% | 4,314 |
| Total risk-based capital ratio | 12.8190% | 4,476 |
| Memoranda: | ||
| Average total assets | $9,838,160,200 | 143 |
| Average earning assets | $8,815,139,400 | 142 |
| Average equity | $1,347,386,200 | 138 |
| Average total loans | $7,273,609,200 | 141 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 3,813 |
| Cost of funding earning assets | 0.8628% | 2,395 |
| Net interest margin | 3.3846% | 3,899 |
| Noninterest income to average assets | 0.6203% | 2,105 |
| Noninterest expense to average assets | 1.9881% | 4,576 |
| Loan and lease loss provision to assets | 0.1381% | 1,401 |
| Net operating income to assets | 1.1706% | 2,301 |
| Return on assets (ROA) | 1.1710% | 2,384 |
| Pretax return on assets | 1.5277% | 1,881 |
| Return on Equity (ROE) | 8.5833% | 3,065 |
| Retained earnings to average equity (ytd only) | -0.5587% | 4,817 |
| Net charge-offs to loans | 0.1546% | 1,068 |
| Credit loss provision to net charge-offs | 121.1689% | 1,941 |
| Earnings coverage of net charge-offs (x) | 14.6093% | 2,240 |
| Efficiency ratio | 53.6386% | 4,432 |
| Assets per employee ($millions) | 10.0379% | 350 |
| Cash dividends to net income (ytd only)* | 106.5097% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 4,442 |
| Loan loss allowance to noncurrent loans | 143.4281% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,843 |
| Noncurrent loans to loans | 0.5502% | 2,645 |
| Net loans and leases to total assets | 72.6963% | 2,047 |
| Net loans and leases to deposits | 102.8557% | 456 |
| Net loans and leases to core deposits | 109.2407% | 980 |
| Total domestic deposits to total assets | 70.6779% | 4,968 |
| Equity capital to assets | 13.6005% | 1,316 |
| Core capital (leverage) ratio | 9.5586% | 4,108 |
| Tier 1 risk-based capital ratio | 11.7823% | 4,532 |
| Total risk-based capital ratio | 12.5309% | 4,674 |
| Memoranda: | ||
| Average total assets | $9,845,778,250 | 143 |
| Average earning assets | $8,823,549,750 | 144 |
| Average equity | $1,343,208,500 | 136 |
| Average total loans | $7,258,790,250 | 143 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 3,757 |
| Cost of funding earning assets | 0.8438% | 2,426 |
| Net interest margin | 3.4183% | 3,839 |
| Noninterest income to average assets | 0.5661% | 2,308 |
| Noninterest expense to average assets | 1.9839% | 4,628 |
| Loan and lease loss provision to assets | 0.1975% | 873 |
| Net operating income to assets | 1.1217% | 2,436 |
| Return on assets (ROA) | 1.1222% | 2,507 |
| Pretax return on assets | 1.4566% | 2,009 |
| Return on Equity (ROE) | 8.2173% | 3,189 |
| Retained earnings to average equity (ytd only) | 1.9847% | 4,118 |
| Net charge-offs to loans | 0.0676% | 1,694 |
| Credit loss provision to net charge-offs | 395.5954% | 722 |
| Earnings coverage of net charge-offs (x) | 33.1158% | 1,390 |
| Efficiency ratio | 53.8141% | 4,491 |
| Assets per employee ($millions) | 10.0174% | 330 |
| Cash dividends to net income (ytd only)* | 75.8469% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 4,230 |
| Loan loss allowance to noncurrent loans | 162.9101% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4037% | 2,889 |
| Noncurrent loans to loans | 0.5286% | 2,694 |
| Net loans and leases to total assets | 72.7654% | 2,101 |
| Net loans and leases to deposits | 104.6863% | 393 |
| Net loans and leases to core deposits | 109.8904% | 983 |
| Total domestic deposits to total assets | 69.5081% | 5,066 |
| Equity capital to assets | 13.7075% | 1,237 |
| Core capital (leverage) ratio | 9.8263% | 3,793 |
| Tier 1 risk-based capital ratio | 11.8647% | 4,491 |
| Total risk-based capital ratio | 12.6757% | 4,618 |
| Memoranda: | ||
| Average total assets | $9,821,873,330 | 145 |
| Average earning assets | $8,824,780,670 | 146 |
| Average equity | $1,341,334,670 | 137 |
| Average total loans | $7,256,055,670 | 144 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 3,848 |
| Cost of funding earning assets | 0.8085% | 2,486 |
| Net interest margin | 3.3957% | 3,899 |
| Noninterest income to average assets | 0.4941% | 2,592 |
| Noninterest expense to average assets | 1.9689% | 4,701 |
| Loan and lease loss provision to assets | 0.0082% | 3,331 |
| Net operating income to assets | 1.2616% | 1,840 |
| Return on assets (ROA) | 1.2616% | 1,890 |
| Pretax return on assets | 1.5750% | 1,532 |
| Return on Equity (ROE) | 9.2558% | 2,689 |
| Retained earnings to average equity (ytd only) | 0.6002% | 4,410 |
| Net charge-offs to loans | 0.0226% | 1,992 |
| Credit loss provision to net charge-offs | 48.8998% | 1,985 |
| Earnings coverage of net charge-offs (x) | 94.4890% | 693 |
| Efficiency ratio | 54.8825% | 4,446 |
| Assets per employee ($millions) | 9.8221% | 359 |
| Cash dividends to net income (ytd only)* | 93.5156% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,621 |
| Loan loss allowance to noncurrent loans | 223.2246% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,556 |
| Noncurrent loans to loans | 0.3433% | 3,346 |
| Net loans and leases to total assets | 73.1292% | 1,955 |
| Net loans and leases to deposits | 103.2901% | 430 |
| Net loans and leases to core deposits | 108.5299% | 1,019 |
| Total domestic deposits to total assets | 70.7998% | 5,086 |
| Equity capital to assets | 13.6595% | 1,148 |
| Core capital (leverage) ratio | 9.9616% | 3,644 |
| Tier 1 risk-based capital ratio | 12.1983% | 4,355 |
| Total risk-based capital ratio | 12.9288% | 4,527 |
| Memoranda: | ||
| Average total assets | $9,764,157,000 | 144 |
| Average earning assets | $8,793,146,500 | 145 |
| Average equity | $1,330,923,500 | 137 |
| Average total loans | $7,237,216,000 | 144 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 3,763 |
| Cost of funding earning assets | 0.6917% | 2,146 |
| Net interest margin | 3.4015% | 3,996 |
| Noninterest income to average assets | 0.5831% | 2,385 |
| Noninterest expense to average assets | 1.9611% | 4,806 |
| Loan and lease loss provision to assets | 0.2431% | 715 |
| Net operating income to assets | 1.1915% | 2,218 |
| Return on assets (ROA) | 1.1917% | 2,211 |
| Pretax return on assets | 1.4464% | 1,963 |
| Return on Equity (ROE) | 9.0775% | 2,955 |
| Retained earnings to average equity (ytd only) | 5.3817% | 2,541 |
| Net charge-offs to loans | 0.3897% | 484 |
| Credit loss provision to net charge-offs | 83.6480% | 2,810 |
| Earnings coverage of net charge-offs (x) | 5.8131% | 3,149 |
| Efficiency ratio | 53.1581% | 4,700 |
| Assets per employee ($millions) | 9.7064% | 372 |
| Cash dividends to net income (ytd only)* | 40.7137% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,635 |
| Loan loss allowance to noncurrent loans | 216.2787% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,462 |
| Noncurrent loans to loans | 0.3543% | 3,272 |
| Net loans and leases to total assets | 73.9787% | 1,939 |
| Net loans and leases to deposits | 104.8339% | 434 |
| Net loans and leases to core deposits | 109.0629% | 1,052 |
| Total domestic deposits to total assets | 70.5675% | 5,139 |
| Equity capital to assets | 13.6017% | 1,106 |
| Core capital (leverage) ratio | 9.8556% | 3,738 |
| Tier 1 risk-based capital ratio | 12.0646% | 4,387 |
| Total risk-based capital ratio | 12.7970% | 4,604 |
| Memoranda: | ||
| Average total assets | $9,749,190,400 | 137 |
| Average earning assets | $8,791,475,000 | 139 |
| Average equity | $1,279,832,400 | 139 |
| Average total loans | $7,269,811,800 | 140 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,833 |
| Cost of funding earning assets | 0.6645% | 2,068 |
| Net interest margin | 3.3694% | 4,105 |
| Noninterest income to average assets | 0.5920% | 2,356 |
| Noninterest expense to average assets | 1.9400% | 4,837 |
| Loan and lease loss provision to assets | 0.2993% | 492 |
| Net operating income to assets | 1.1238% | 2,557 |
| Return on assets (ROA) | 1.1239% | 2,570 |
| Pretax return on assets | 1.3888% | 2,273 |
| Return on Equity (ROE) | 8.6390% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.1910% | 2,555 |
| Net charge-offs to loans | 0.5166% | 297 |
| Credit loss provision to net charge-offs | 77.7009% | 2,549 |
| Earnings coverage of net charge-offs (x) | 4.3818% | 3,067 |
| Efficiency ratio | 52.8967% | 4,719 |
| Assets per employee ($millions) | 9.5373% | 379 |
| Cash dividends to net income (ytd only)* | 28.3358% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 4,765 |
| Loan loss allowance to noncurrent loans | 185.4681% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 3,230 |
| Noncurrent loans to loans | 0.4021% | 3,207 |
| Net loans and leases to total assets | 73.8949% | 2,004 |
| Net loans and leases to deposits | 106.3349% | 428 |
| Net loans and leases to core deposits | 109.8283% | 1,044 |
| Total domestic deposits to total assets | 69.4926% | 5,240 |
| Equity capital to assets | 13.3345% | 1,197 |
| Core capital (leverage) ratio | 9.6790% | 3,966 |
| Tier 1 risk-based capital ratio | 11.8799% | 4,567 |
| Total risk-based capital ratio | 12.5926% | 4,769 |
| Memoranda: | ||
| Average total assets | $9,755,035,000 | 135 |
| Average earning assets | $8,789,867,000 | 135 |
| Average equity | $1,269,072,750 | 139 |
| Average total loans | $7,274,617,750 | 137 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 3,880 |
| Cost of funding earning assets | 0.6342% | 2,021 |
| Net interest margin | 3.3334% | 4,148 |
| Noninterest income to average assets | 0.5598% | 2,518 |
| Noninterest expense to average assets | 1.9531% | 4,874 |
| Loan and lease loss provision to assets | 0.4278% | 276 |
| Net operating income to assets | 0.9604% | 3,191 |
| Return on assets (ROA) | 0.9605% | 3,195 |
| Pretax return on assets | 1.1824% | 3,000 |
| Return on Equity (ROE) | 7.4444% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.3342% | 2,917 |
| Net charge-offs to loans | 0.6112% | 238 |
| Credit loss provision to net charge-offs | 93.8187% | 2,123 |
| Earnings coverage of net charge-offs (x) | 3.5310% | 2,868 |
| Efficiency ratio | 54.2063% | 4,669 |
| Assets per employee ($millions) | 9.6075% | 363 |
| Cash dividends to net income (ytd only)* | 28.3461% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,657 |
| Loan loss allowance to noncurrent loans | 180.3711% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,124 |
| Noncurrent loans to loans | 0.4496% | 3,090 |
| Net loans and leases to total assets | 73.9223% | 1,957 |
| Net loans and leases to deposits | 107.2324% | 383 |
| Net loans and leases to core deposits | 110.5561% | 966 |
| Total domestic deposits to total assets | 68.9365% | 5,312 |
| Equity capital to assets | 13.0641% | 1,267 |
| Core capital (leverage) ratio | 9.3731% | 4,280 |
| Tier 1 risk-based capital ratio | 11.4052% | 4,833 |
| Total risk-based capital ratio | 12.1762% | 4,983 |
| Memoranda: | ||
| Average total assets | $9,770,375,330 | 135 |
| Average earning assets | $8,803,587,000 | 135 |
| Average equity | $1,260,547,670 | 137 |
| Average total loans | $7,290,032,670 | 134 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 3,883 |
| Cost of funding earning assets | 0.6108% | 1,979 |
| Net interest margin | 3.3045% | 4,179 |
| Noninterest income to average assets | 0.5496% | 2,525 |
| Noninterest expense to average assets | 1.9130% | 5,002 |
| Loan and lease loss provision to assets | 0.2206% | 712 |
| Net operating income to assets | 1.1349% | 2,268 |
| Return on assets (ROA) | 1.1349% | 2,284 |
| Pretax return on assets | 1.3930% | 2,036 |
| Return on Equity (ROE) | 8.8519% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.8519% | 1,518 |
| Net charge-offs to loans | 0.1682% | 858 |
| Credit loss provision to net charge-offs | 175.6669% | 1,132 |
| Earnings coverage of net charge-offs (x) | 12.8468% | 1,785 |
| Efficiency ratio | 53.6097% | 4,835 |
| Assets per employee ($millions) | 9.5617% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,612 |
| Loan loss allowance to noncurrent loans | 136.1016% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,702 |
| Noncurrent loans to loans | 0.6300% | 2,656 |
| Net loans and leases to total assets | 74.2632% | 1,815 |
| Net loans and leases to deposits | 106.4818% | 363 |
| Net loans and leases to core deposits | 110.1814% | 995 |
| Total domestic deposits to total assets | 69.7427% | 5,370 |
| Equity capital to assets | 13.0013% | 1,242 |
| Core capital (leverage) ratio | 9.2365% | 4,392 |
| Tier 1 risk-based capital ratio | 11.3500% | 4,952 |
| Total risk-based capital ratio | 12.1742% | 5,082 |
| Memoranda: | ||
| Average total assets | $9,789,355,500 | 133 |
| Average earning assets | $8,819,213,500 | 133 |
| Average equity | $1,255,095,000 | 136 |
| Average total loans | $7,308,428,000 | 132 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,165 |
| Cost of funding earning assets | 0.5522% | 1,933 |
| Net interest margin | 3.2135% | 4,411 |
| Noninterest income to average assets | 0.5803% | 2,549 |
| Noninterest expense to average assets | 1.9497% | 5,050 |
| Loan and lease loss provision to assets | 0.0585% | 3,062 |
| Net operating income to assets | 0.9751% | 2,348 |
| Return on assets (ROA) | 0.9755% | 2,389 |
| Pretax return on assets | 1.4580% | 1,787 |
| Return on Equity (ROE) | 7.6533% | 2,977 |
| Retained earnings to average equity (ytd only) | 4.6469% | 2,357 |
| Net charge-offs to loans | 0.1030% | 2,038 |
| Credit loss provision to net charge-offs | 76.8386% | 2,993 |
| Earnings coverage of net charge-offs (x) | 19.9211% | 1,995 |
| Efficiency ratio | 55.4912% | 4,816 |
| Assets per employee ($millions) | 9.7862% | 344 |
| Cash dividends to net income (ytd only)* | 39.2824% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 4,766 |
| Loan loss allowance to noncurrent loans | 172.3304% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,166 |
| Noncurrent loans to loans | 0.4768% | 3,079 |
| Net loans and leases to total assets | 73.7996% | 1,952 |
| Net loans and leases to deposits | 107.5255% | 339 |
| Net loans and leases to core deposits | 111.2734% | 936 |
| Total domestic deposits to total assets | 68.6345% | 5,451 |
| Equity capital to assets | 12.6427% | 1,429 |
| Core capital (leverage) ratio | 9.0665% | 4,562 |
| Tier 1 risk-based capital ratio | 11.1469% | 5,065 |
| Total risk-based capital ratio | 11.9533% | 5,186 |
| Memoranda: | ||
| Average total assets | $9,577,701,400 | 130 |
| Average earning assets | $8,599,542,400 | 133 |
| Average equity | $1,220,735,800 | 132 |
| Average total loans | $7,077,274,600 | 128 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,174 |
| Cost of funding earning assets | 0.5516% | 1,880 |
| Net interest margin | 3.1997% | 4,450 |
| Noninterest income to average assets | 0.5923% | 2,519 |
| Noninterest expense to average assets | 1.9483% | 5,046 |
| Loan and lease loss provision to assets | 0.0519% | 3,062 |
| Net operating income to assets | 1.0371% | 2,382 |
| Return on assets (ROA) | 1.0376% | 2,420 |
| Pretax return on assets | 1.4654% | 1,896 |
| Return on Equity (ROE) | 8.1236% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.6528% | 1,873 |
| Net charge-offs to loans | 0.1009% | 1,777 |
| Credit loss provision to net charge-offs | 69.7192% | 2,703 |
| Earnings coverage of net charge-offs (x) | 20.3852% | 1,957 |
| Efficiency ratio | 55.4271% | 4,798 |
| Assets per employee ($millions) | 9.4665% | 371 |
| Cash dividends to net income (ytd only)* | 18.1049% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 4,729 |
| Loan loss allowance to noncurrent loans | 165.3799% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 3,260 |
| Noncurrent loans to loans | 0.5186% | 3,144 |
| Net loans and leases to total assets | 73.3845% | 2,027 |
| Net loans and leases to deposits | 105.1557% | 449 |
| Net loans and leases to core deposits | 108.5201% | 1,120 |
| Total domestic deposits to total assets | 69.7865% | 5,486 |
| Equity capital to assets | 13.1376% | 1,319 |
| Core capital (leverage) ratio | 9.1263% | 4,604 |
| Tier 1 risk-based capital ratio | 11.4334% | 4,995 |
| Total risk-based capital ratio | 12.2674% | 5,126 |
| Memoranda: | ||
| Average total assets | $9,510,893,750 | 132 |
| Average earning assets | $8,538,579,000 | 135 |
| Average equity | $1,214,752,250 | 136 |
| Average total loans | $7,015,163,750 | 129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,207 |
| Cost of funding earning assets | 0.5430% | 1,819 |
| Net interest margin | 3.1653% | 4,506 |
| Noninterest income to average assets | 0.5718% | 2,593 |
| Noninterest expense to average assets | 1.9538% | 5,074 |
| Loan and lease loss provision to assets | 0.0673% | 2,621 |
| Net operating income to assets | 0.9999% | 2,429 |
| Return on assets (ROA) | 1.0001% | 2,465 |
| Pretax return on assets | 1.3917% | 2,056 |
| Return on Equity (ROE) | 7.9052% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.9052% | 1,202 |
| Net charge-offs to loans | 0.0634% | 2,022 |
| Credit loss provision to net charge-offs | 144.0792% | 1,557 |
| Earnings coverage of net charge-offs (x) | 31.2508% | 1,431 |
| Efficiency ratio | 56.4027% | 4,780 |
| Assets per employee ($millions) | 9.4727% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 4,663 |
| Loan loss allowance to noncurrent loans | 161.5699% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 3,187 |
| Noncurrent loans to loans | 0.5534% | 3,078 |
| Net loans and leases to total assets | 73.0496% | 2,033 |
| Net loans and leases to deposits | 106.5653% | 380 |
| Net loans and leases to core deposits | 110.2244% | 995 |
| Total domestic deposits to total assets | 68.5491% | 5,582 |
| Equity capital to assets | 12.9105% | 1,415 |
| Core capital (leverage) ratio | 8.9126% | 4,823 |
| Tier 1 risk-based capital ratio | 11.3520% | 5,053 |
| Total risk-based capital ratio | 12.2326% | 5,162 |
| Memoranda: | ||
| Average total assets | $9,516,227,000 | 129 |
| Average earning assets | $8,540,222,330 | 133 |
| Average equity | $1,203,869,000 | 132 |
| Average total loans | $7,010,867,670 | 125 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,269 |
| Cost of funding earning assets | 0.5317% | 1,849 |
| Net interest margin | 3.1213% | 4,598 |
| Noninterest income to average assets | 0.5231% | 2,817 |
| Noninterest expense to average assets | 1.9325% | 5,178 |
| Loan and lease loss provision to assets | 0.0631% | 2,544 |
| Net operating income to assets | 0.9815% | 2,381 |
| Return on assets (ROA) | 0.9815% | 2,430 |
| Pretax return on assets | 1.3290% | 2,139 |
| Return on Equity (ROE) | 7.8394% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.8394% | 1,529 |
| Net charge-offs to loans | 0.0702% | 1,628 |
| Credit loss provision to net charge-offs | 122.1498% | 1,378 |
| Earnings coverage of net charge-offs (x) | 26.9381% | 1,286 |
| Efficiency ratio | 57.2183% | 4,808 |
| Assets per employee ($millions) | 9.5285% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 4,804 |
| Loan loss allowance to noncurrent loans | 153.5032% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 3,198 |
| Noncurrent loans to loans | 0.5786% | 3,073 |
| Net loans and leases to total assets | 72.9373% | 1,928 |
| Net loans and leases to deposits | 105.4387% | 341 |
| Net loans and leases to core deposits | 109.3523% | 909 |
| Total domestic deposits to total assets | 69.1751% | 5,649 |
| Equity capital to assets | 12.6503% | 1,443 |
| Core capital (leverage) ratio | 8.6517% | 5,101 |
| Tier 1 risk-based capital ratio | 11.0348% | 5,287 |
| Total risk-based capital ratio | 11.9113% | 5,393 |
| Memoranda: | ||
| Average total assets | $9,504,848,000 | 127 |
| Average earning assets | $8,531,252,000 | 131 |
| Average equity | $1,190,039,000 | 133 |
| Average total loans | $7,000,777,500 | 124 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,286 |
| Cost of funding earning assets | 0.5565% | 1,630 |
| Net interest margin | 3.1210% | 4,669 |
| Noninterest income to average assets | 0.5987% | 2,670 |
| Noninterest expense to average assets | 1.9835% | 5,223 |
| Loan and lease loss provision to assets | 0.0586% | 3,216 |
| Net operating income to assets | 0.9452% | 2,606 |
| Return on assets (ROA) | 0.9457% | 2,711 |
| Pretax return on assets | 1.3427% | 2,127 |
| Return on Equity (ROE) | 7.5371% | 3,200 |
| Retained earnings to average equity (ytd only) | 3.5223% | 3,430 |
| Net charge-offs to loans | 0.0730% | 2,653 |
| Credit loss provision to net charge-offs | 109.2896% | 2,402 |
| Earnings coverage of net charge-offs (x) | 26.1103% | 1,563 |
| Efficiency ratio | 57.5815% | 4,896 |
| Assets per employee ($millions) | 9.4908% | 359 |
| Cash dividends to net income (ytd only)* | 53.2666% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,849 |
| Loan loss allowance to noncurrent loans | 145.9470% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 3,153 |
| Noncurrent loans to loans | 0.6054% | 3,036 |
| Net loans and leases to total assets | 73.0674% | 2,005 |
| Net loans and leases to deposits | 105.0175% | 387 |
| Net loans and leases to core deposits | 108.5298% | 991 |
| Total domestic deposits to total assets | 69.5764% | 5,680 |
| Equity capital to assets | 12.3903% | 1,584 |
| Core capital (leverage) ratio | 8.4249% | 5,342 |
| Tier 1 risk-based capital ratio | 10.5968% | 5,532 |
| Total risk-based capital ratio | 11.4609% | 5,630 |
| Memoranda: | ||
| Average total assets | $9,210,791,000 | 127 |
| Average earning assets | $8,220,429,600 | 129 |
| Average equity | $1,155,739,000 | 129 |
| Average total loans | $6,770,167,800 | 123 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 4,316 |
| Cost of funding earning assets | 0.5622% | 1,594 |
| Net interest margin | 3.1190% | 4,719 |
| Noninterest income to average assets | 0.5940% | 2,690 |
| Noninterest expense to average assets | 1.9815% | 5,242 |
| Loan and lease loss provision to assets | 0.0613% | 3,012 |
| Net operating income to assets | 0.9439% | 2,681 |
| Return on assets (ROA) | 0.9445% | 2,815 |
| Pretax return on assets | 1.3311% | 2,305 |
| Return on Equity (ROE) | 7.5027% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,803 |
| Net charge-offs to loans | 0.0901% | 2,065 |
| Credit loss provision to net charge-offs | 92.5926% | 2,489 |
| Earnings coverage of net charge-offs (x) | 21.0278% | 1,834 |
| Efficiency ratio | 57.6668% | 4,861 |
| Assets per employee ($millions) | 9.3430% | 369 |
| Cash dividends to net income (ytd only)* | 53.4487% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,913 |
| Loan loss allowance to noncurrent loans | 152.6589% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 3,329 |
| Noncurrent loans to loans | 0.5807% | 3,267 |
| Net loans and leases to total assets | 72.7339% | 2,055 |
| Net loans and leases to deposits | 103.8374% | 467 |
| Net loans and leases to core deposits | 107.2898% | 1,097 |
| Total domestic deposits to total assets | 70.0460% | 5,693 |
| Equity capital to assets | 12.4680% | 1,800 |
| Core capital (leverage) ratio | 8.3567% | 5,460 |
| Tier 1 risk-based capital ratio | 10.6955% | 5,525 |
| Total risk-based capital ratio | 11.5753% | 5,615 |
| Memoranda: | ||
| Average total assets | $9,138,419,250 | 128 |
| Average earning assets | $8,142,554,000 | 130 |
| Average equity | $1,150,396,000 | 128 |
| Average total loans | $6,711,838,250 | 124 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,327 |
| Cost of funding earning assets | 0.5650% | 1,575 |
| Net interest margin | 3.1260% | 4,758 |
| Noninterest income to average assets | 0.5888% | 2,678 |
| Noninterest expense to average assets | 1.9930% | 5,283 |
| Loan and lease loss provision to assets | 0.0707% | 2,722 |
| Net operating income to assets | 0.9262% | 2,740 |
| Return on assets (ROA) | 0.9277% | 2,868 |
| Pretax return on assets | 1.3103% | 2,363 |
| Return on Equity (ROE) | 7.3452% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.3579% | 3,758 |
| Net charge-offs to loans | 0.1110% | 1,719 |
| Credit loss provision to net charge-offs | 86.6974% | 2,289 |
| Earnings coverage of net charge-offs (x) | 16.9128% | 1,906 |
| Efficiency ratio | 57.9477% | 4,909 |
| Assets per employee ($millions) | 9.0191% | 383 |
| Cash dividends to net income (ytd only)* | 54.2844% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,965 |
| Loan loss allowance to noncurrent loans | 141.6783% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 3,291 |
| Noncurrent loans to loans | 0.6342% | 3,176 |
| Net loans and leases to total assets | 72.8334% | 2,037 |
| Net loans and leases to deposits | 107.0003% | 331 |
| Net loans and leases to core deposits | 111.6304% | 838 |
| Total domestic deposits to total assets | 68.0684% | 5,840 |
| Equity capital to assets | 12.5666% | 1,730 |
| Core capital (leverage) ratio | 8.4247% | 5,426 |
| Tier 1 risk-based capital ratio | 10.5596% | 5,648 |
| Total risk-based capital ratio | 11.4411% | 5,728 |
| Memoranda: | ||
| Average total assets | $9,054,658,670 | 126 |
| Average earning assets | $8,061,389,330 | 130 |
| Average equity | $1,143,626,000 | 127 |
| Average total loans | $6,652,255,670 | 123 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,302 |
| Cost of funding earning assets | 0.5706% | 1,539 |
| Net interest margin | 3.1346% | 4,767 |
| Noninterest income to average assets | 0.5742% | 2,658 |
| Noninterest expense to average assets | 1.9899% | 5,362 |
| Loan and lease loss provision to assets | 0.0669% | 2,626 |
| Net operating income to assets | 0.9245% | 2,625 |
| Return on assets (ROA) | 0.9275% | 2,721 |
| Pretax return on assets | 1.3126% | 2,250 |
| Return on Equity (ROE) | 7.3248% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.4505% | 3,780 |
| Net charge-offs to loans | 0.0446% | 2,123 |
| Credit loss provision to net charge-offs | 204.3597% | 1,066 |
| Earnings coverage of net charge-offs (x) | 42.0095% | 987 |
| Efficiency ratio | 57.8612% | 5,015 |
| Assets per employee ($millions) | 9.0080% | 387 |
| Cash dividends to net income (ytd only)* | 52.8922% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,920 |
| Loan loss allowance to noncurrent loans | 122.7906% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 3,011 |
| Noncurrent loans to loans | 0.7630% | 2,925 |
| Net loans and leases to total assets | 72.8556% | 1,898 |
| Net loans and leases to deposits | 106.0200% | 342 |
| Net loans and leases to core deposits | 112.5775% | 727 |
| Total domestic deposits to total assets | 68.7188% | 5,905 |
| Equity capital to assets | 12.6834% | 1,571 |
| Core capital (leverage) ratio | 8.4216% | 5,463 |
| Tier 1 risk-based capital ratio | 10.5581% | 5,725 |
| Total risk-based capital ratio | 11.4735% | 5,789 |
| Memoranda: | ||
| Average total assets | $8,968,699,500 | 127 |
| Average earning assets | $7,985,493,000 | 129 |
| Average equity | $1,135,707,000 | 128 |
| Average total loans | $6,587,900,500 | 123 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 4,156 |
| Cost of funding earning assets | 0.5679% | 1,612 |
| Net interest margin | 3.1946% | 4,645 |
| Noninterest income to average assets | 0.6240% | 2,593 |
| Noninterest expense to average assets | 2.0610% | 5,330 |
| Loan and lease loss provision to assets | 0.0499% | 3,322 |
| Net operating income to assets | 0.9458% | 2,635 |
| Return on assets (ROA) | 0.9510% | 2,687 |
| Pretax return on assets | 1.3634% | 2,057 |
| Return on Equity (ROE) | 7.5149% | 3,243 |
| Retained earnings to average equity (ytd only) | 3.6687% | 3,445 |
| Net charge-offs to loans | 0.0740% | 2,773 |
| Credit loss provision to net charge-offs | 93.3476% | 2,696 |
| Earnings coverage of net charge-offs (x) | 26.2884% | 1,592 |
| Efficiency ratio | 58.1610% | 5,123 |
| Assets per employee ($millions) | 8.8407% | 406 |
| Cash dividends to net income (ytd only)* | 51.1813% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 4,918 |
| Loan loss allowance to noncurrent loans | 137.9199% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 3,221 |
| Noncurrent loans to loans | 0.6812% | 3,161 |
| Net loans and leases to total assets | 72.6736% | 1,942 |
| Net loans and leases to deposits | 108.4870% | 283 |
| Net loans and leases to core deposits | 112.3193% | 752 |
| Total domestic deposits to total assets | 66.9884% | 5,996 |
| Equity capital to assets | 12.6424% | 1,537 |
| Core capital (leverage) ratio | 8.4221% | 5,499 |
| Tier 1 risk-based capital ratio | 10.6089% | 5,724 |
| Total risk-based capital ratio | 11.5294% | 5,796 |
| Memoranda: | ||
| Average total assets | $8,713,967,400 | 122 |
| Average earning assets | $7,754,626,200 | 123 |
| Average equity | $1,102,763,400 | 125 |
| Average total loans | $6,297,435,000 | 121 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,224 |
| Cost of funding earning assets | 0.5686% | 1,640 |
| Net interest margin | 3.1906% | 4,701 |
| Noninterest income to average assets | 0.5934% | 2,781 |
| Noninterest expense to average assets | 2.0378% | 5,406 |
| Loan and lease loss provision to assets | 0.0477% | 3,250 |
| Net operating income to assets | 0.9405% | 2,758 |
| Return on assets (ROA) | 0.9475% | 2,825 |
| Pretax return on assets | 1.3576% | 2,185 |
| Return on Equity (ROE) | 7.4852% | 3,346 |
| Retained earnings to average equity (ytd only) | 3.6925% | 3,837 |
| Net charge-offs to loans | 0.0934% | 2,232 |
| Credit loss provision to net charge-offs | 70.9382% | 2,750 |
| Earnings coverage of net charge-offs (x) | 20.7497% | 1,856 |
| Efficiency ratio | 58.0447% | 5,114 |
| Assets per employee ($millions) | 8.8323% | 395 |
| Cash dividends to net income (ytd only)* | 50.6699% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 5,020 |
| Loan loss allowance to noncurrent loans | 152.5559% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 3,627 |
| Noncurrent loans to loans | 0.6163% | 3,468 |
| Net loans and leases to total assets | 71.9117% | 2,075 |
| Net loans and leases to deposits | 108.6120% | 285 |
| Net loans and leases to core deposits | 112.7059% | 726 |
| Total domestic deposits to total assets | 66.2097% | 6,087 |
| Equity capital to assets | 12.6006% | 1,689 |
| Core capital (leverage) ratio | 8.2827% | 5,728 |
| Tier 1 risk-based capital ratio | 10.6319% | 5,829 |
| Total risk-based capital ratio | 11.5633% | 5,882 |
| Memoranda: | ||
| Average total assets | $8,664,605,500 | 125 |
| Average earning assets | $7,711,455,500 | 125 |
| Average equity | $1,096,800,250 | 127 |
| Average total loans | $6,237,375,250 | 121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,164 |
| Cost of funding earning assets | 0.5718% | 1,631 |
| Net interest margin | 3.2010% | 4,657 |
| Noninterest income to average assets | 0.6165% | 2,647 |
| Noninterest expense to average assets | 2.0704% | 5,396 |
| Loan and lease loss provision to assets | 0.0395% | 3,326 |
| Net operating income to assets | 0.9476% | 2,648 |
| Return on assets (ROA) | 0.9581% | 2,711 |
| Pretax return on assets | 1.3710% | 2,109 |
| Return on Equity (ROE) | 7.5573% | 3,286 |
| Retained earnings to average equity (ytd only) | 3.7419% | 3,633 |
| Net charge-offs to loans | 0.1234% | 1,778 |
| Credit loss provision to net charge-offs | 44.6194% | 2,763 |
| Earnings coverage of net charge-offs (x) | 15.7504% | 1,956 |
| Efficiency ratio | 58.4204% | 5,173 |
| Assets per employee ($millions) | 8.7602% | 402 |
| Cash dividends to net income (ytd only)* | 50.4867% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 5,116 |
| Loan loss allowance to noncurrent loans | 129.4092% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 3,555 |
| Noncurrent loans to loans | 0.7304% | 3,289 |
| Net loans and leases to total assets | 71.4023% | 2,089 |
| Net loans and leases to deposits | 106.7295% | 351 |
| Net loans and leases to core deposits | 111.1050% | 780 |
| Total domestic deposits to total assets | 66.9003% | 6,147 |
| Equity capital to assets | 12.5791% | 1,610 |
| Core capital (leverage) ratio | 8.2376% | 5,756 |
| Tier 1 risk-based capital ratio | 10.3413% | 5,977 |
| Total risk-based capital ratio | 11.2562% | 6,042 |
| Memoranda: | ||
| Average total assets | $8,599,889,330 | 128 |
| Average earning assets | $7,655,425,000 | 128 |
| Average equity | $1,090,315,000 | 130 |
| Average total loans | $6,172,852,330 | 121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 3,995 |
| Cost of funding earning assets | 0.5706% | 1,656 |
| Net interest margin | 3.2324% | 4,479 |
| Noninterest income to average assets | 0.4816% | 3,412 |
| Noninterest expense to average assets | 2.0275% | 5,528 |
| Loan and lease loss provision to assets | 0.0282% | 3,315 |
| Net operating income to assets | 0.9189% | 2,656 |
| Return on assets (ROA) | 0.9189% | 2,777 |
| Pretax return on assets | 1.3069% | 2,256 |
| Return on Equity (ROE) | 7.2192% | 3,390 |
| Retained earnings to average equity (ytd only) | 3.3853% | 3,951 |
| Net charge-offs to loans | 0.0802% | 1,910 |
| Credit loss provision to net charge-offs | 49.0196% | 2,114 |
| Earnings coverage of net charge-offs (x) | 23.2418% | 1,330 |
| Efficiency ratio | 59.0560% | 5,217 |
| Assets per employee ($millions) | 8.8618% | 380 |
| Cash dividends to net income (ytd only)* | 53.1073% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 5,043 |
| Loan loss allowance to noncurrent loans | 120.0849% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 3,486 |
| Noncurrent loans to loans | 0.8309% | 3,165 |
| Net loans and leases to total assets | 71.1271% | 1,960 |
| Net loans and leases to deposits | 103.4669% | 394 |
| Net loans and leases to core deposits | 107.5205% | 844 |
| Total domestic deposits to total assets | 68.7438% | 6,176 |
| Equity capital to assets | 12.8149% | 1,504 |
| Core capital (leverage) ratio | 8.5123% | 5,506 |
| Tier 1 risk-based capital ratio | 10.7363% | 5,924 |
| Total risk-based capital ratio | 11.6889% | 5,988 |
| Memoranda: | ||
| Average total assets | $8,524,116,500 | 129 |
| Average earning assets | $7,597,004,000 | 127 |
| Average equity | $1,085,047,000 | 127 |
| Average total loans | $6,105,102,000 | 122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 4,157 |
| Cost of funding earning assets | 0.5952% | 1,802 |
| Net interest margin | 3.2948% | 4,585 |
| Noninterest income to average assets | 0.5044% | 3,470 |
| Noninterest expense to average assets | 2.0926% | 5,589 |
| Loan and lease loss provision to assets | 0.0576% | 3,390 |
| Net operating income to assets | 0.8982% | 2,883 |
| Return on assets (ROA) | 0.9003% | 2,961 |
| Pretax return on assets | 1.2871% | 2,288 |
| Return on Equity (ROE) | 7.1447% | 3,549 |
| Retained earnings to average equity (ytd only) | 0.9934% | 5,330 |
| Net charge-offs to loans | 0.1334% | 2,683 |
| Credit loss provision to net charge-offs | 61.3456% | 3,261 |
| Earnings coverage of net charge-offs (x) | 14.2933% | 2,175 |
| Efficiency ratio | 60.0057% | 5,224 |
| Assets per employee ($millions) | 8.7959% | 378 |
| Cash dividends to net income (ytd only)* | 86.0954% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 4,968 |
| Loan loss allowance to noncurrent loans | 114.6279% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 3,504 |
| Noncurrent loans to loans | 0.8850% | 3,104 |
| Net loans and leases to total assets | 70.6748% | 2,131 |
| Net loans and leases to deposits | 103.4187% | 455 |
| Net loans and leases to core deposits | 107.0631% | 953 |
| Total domestic deposits to total assets | 68.3385% | 6,255 |
| Equity capital to assets | 12.6434% | 1,571 |
| Core capital (leverage) ratio | 8.3837% | 5,682 |
| Tier 1 risk-based capital ratio | 10.9738% | 5,917 |
| Total risk-based capital ratio | 11.9782% | 5,955 |
| Memoranda: | ||
| Average total assets | $8,075,906,600 | 127 |
| Average earning assets | $7,181,339,400 | 128 |
| Average equity | $1,017,672,400 | 133 |
| Average total loans | $5,682,871,800 | 125 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,269 |
| Cost of funding earning assets | 0.5970% | 1,865 |
| Net interest margin | 3.2752% | 4,696 |
| Noninterest income to average assets | 0.4917% | 3,603 |
| Noninterest expense to average assets | 2.1267% | 5,518 |
| Loan and lease loss provision to assets | 0.0569% | 3,232 |
| Net operating income to assets | 0.8611% | 3,119 |
| Return on assets (ROA) | 0.8640% | 3,198 |
| Pretax return on assets | 1.2229% | 2,685 |
| Return on Equity (ROE) | 6.8626% | 3,782 |
| Retained earnings to average equity (ytd only) | -0.1584% | 5,825 |
| Net charge-offs to loans | 0.1131% | 2,672 |
| Credit loss provision to net charge-offs | 71.8209% | 2,738 |
| Earnings coverage of net charge-offs (x) | 16.0963% | 2,006 |
| Efficiency ratio | 61.6978% | 4,931 |
| Assets per employee ($millions) | 8.4272% | 438 |
| Cash dividends to net income (ytd only)* | 102.3077% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 4,937 |
| Loan loss allowance to noncurrent loans | 98.8419% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8348% | 3,334 |
| Noncurrent loans to loans | 1.0739% | 2,924 |
| Net loans and leases to total assets | 70.1157% | 2,177 |
| Net loans and leases to deposits | 102.5721% | 475 |
| Net loans and leases to core deposits | 105.6119% | 977 |
| Total domestic deposits to total assets | 68.3575% | 6,340 |
| Equity capital to assets | 12.6266% | 1,623 |
| Core capital (leverage) ratio | 8.2229% | 5,907 |
| Tier 1 risk-based capital ratio | 10.9444% | 6,020 |
| Total risk-based capital ratio | 11.9972% | 6,064 |
| Memoranda: | ||
| Average total assets | $7,964,076,250 | 128 |
| Average earning assets | $7,077,870,000 | 127 |
| Average equity | $1,002,684,500 | 134 |
| Average total loans | $5,582,213,500 | 123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,525 |
| Cost of funding earning assets | 0.5889% | 1,988 |
| Net interest margin | 3.2110% | 4,905 |
| Noninterest income to average assets | 0.4758% | 3,667 |
| Noninterest expense to average assets | 2.0810% | 5,666 |
| Loan and lease loss provision to assets | 0.0486% | 3,331 |
| Net operating income to assets | 0.8482% | 3,082 |
| Return on assets (ROA) | 0.8439% | 3,206 |
| Pretax return on assets | 1.1935% | 2,688 |
| Return on Equity (ROE) | 6.7097% | 3,772 |
| Retained earnings to average equity (ytd only) | -2.0428% | 5,996 |
| Net charge-offs to loans | 0.0986% | 2,692 |
| Credit loss provision to net charge-offs | 70.6582% | 2,465 |
| Earnings coverage of net charge-offs (x) | 18.1331% | 1,699 |
| Efficiency ratio | 61.9636% | 5,011 |
| Assets per employee ($millions) | 8.3081% | 438 |
| Cash dividends to net income (ytd only)* | 130.4453% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,981 |
| Loan loss allowance to noncurrent loans | 98.6349% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 3,428 |
| Noncurrent loans to loans | 1.0957% | 3,039 |
| Net loans and leases to total assets | 69.1908% | 2,198 |
| Net loans and leases to deposits | 99.6505% | 574 |
| Net loans and leases to core deposits | 103.4276% | 1,056 |
| Total domestic deposits to total assets | 69.4335% | 6,375 |
| Equity capital to assets | 12.4934% | 1,648 |
| Core capital (leverage) ratio | 8.7184% | 5,373 |
| Tier 1 risk-based capital ratio | 10.7856% | 6,136 |
| Total risk-based capital ratio | 11.8498% | 6,162 |
| Memoranda: | ||
| Average total assets | $7,812,518,670 | 134 |
| Average earning assets | $6,942,551,330 | 128 |
| Average equity | $982,577,670 | 136 |
| Average total loans | $5,454,218,670 | 127 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 4,210 |
| Cost of funding earning assets | 0.5932% | 2,032 |
| Net interest margin | 3.2775% | 4,633 |
| Noninterest income to average assets | 0.4494% | 3,801 |
| Noninterest expense to average assets | 2.0235% | 5,837 |
| Loan and lease loss provision to assets | 0.0214% | 3,550 |
| Net operating income to assets | 0.9106% | 2,605 |
| Return on assets (ROA) | 0.8977% | 2,729 |
| Pretax return on assets | 1.3019% | 2,083 |
| Return on Equity (ROE) | 7.1112% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.2656% | 2,398 |
| Net charge-offs to loans | 0.1258% | 1,962 |
| Credit loss provision to net charge-offs | 24.3309% | 2,457 |
| Earnings coverage of net charge-offs (x) | 15.2926% | 1,555 |
| Efficiency ratio | 59.7523% | 5,433 |
| Assets per employee ($millions) | 8.5724% | 393 |
| Cash dividends to net income (ytd only)* | 11.8913% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 4,611 |
| Loan loss allowance to noncurrent loans | 99.0071% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 3,372 |
| Noncurrent loans to loans | 1.2183% | 3,008 |
| Net loans and leases to total assets | 69.2501% | 2,026 |
| Net loans and leases to deposits | 99.5298% | 465 |
| Net loans and leases to core deposits | 100.8170% | 1,045 |
| Total domestic deposits to total assets | 69.5773% | 6,463 |
| Equity capital to assets | 12.7532% | 1,428 |
| Core capital (leverage) ratio | 8.4670% | 5,683 |
| Tier 1 risk-based capital ratio | 11.6336% | 5,840 |
| Total risk-based capital ratio | 12.8576% | 5,808 |
| Memoranda: | ||
| Average total assets | $7,494,086,000 | 137 |
| Average earning assets | $6,667,741,500 | 136 |
| Average equity | $946,058,500 | 138 |
| Average total loans | $5,226,293,500 | 131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 4,522 |
| Cost of funding earning assets | 0.6018% | 2,638 |
| Net interest margin | 3.2828% | 4,727 |
| Noninterest income to average assets | 0.5915% | 3,140 |
| Noninterest expense to average assets | 2.0171% | 6,000 |
| Loan and lease loss provision to assets | 0.0752% | 3,605 |
| Net operating income to assets | 0.9462% | 2,585 |
| Return on assets (ROA) | 0.9514% | 2,631 |
| Pretax return on assets | 1.4271% | 1,695 |
| Return on Equity (ROE) | 7.5894% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.7815% | 3,510 |
| Net charge-offs to loans | 0.2229% | 2,679 |
| Credit loss provision to net charge-offs | 49.1774% | 3,839 |
| Earnings coverage of net charge-offs (x) | 9.7757% | 2,462 |
| Efficiency ratio | 56.9325% | 5,862 |
| Assets per employee ($millions) | 8.4507% | 398 |
| Cash dividends to net income (ytd only)* | 50.1739% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,414 |
| Loan loss allowance to noncurrent loans | 84.3297% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0966% | 3,216 |
| Noncurrent loans to loans | 1.4761% | 2,679 |
| Net loans and leases to total assets | 68.5179% | 2,258 |
| Net loans and leases to deposits | 97.9851% | 590 |
| Net loans and leases to core deposits | 99.3546% | 1,206 |
| Total domestic deposits to total assets | 69.9268% | 6,522 |
| Equity capital to assets | 12.4947% | 1,512 |
| Core capital (leverage) ratio | 8.3444% | 5,827 |
| Tier 1 risk-based capital ratio | 11.4226% | 5,949 |
| Total risk-based capital ratio | 12.6727% | 5,888 |
| Memoranda: | ||
| Average total assets | $7,314,850,200 | 137 |
| Average earning assets | $6,506,881,600 | 136 |
| Average equity | $916,935,800 | 134 |
| Average total loans | $5,018,262,800 | 131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 4,552 |
| Cost of funding earning assets | 0.6014% | 2,793 |
| Net interest margin | 3.2864% | 4,691 |
| Noninterest income to average assets | 0.6061% | 3,111 |
| Noninterest expense to average assets | 2.0215% | 5,970 |
| Loan and lease loss provision to assets | 0.0678% | 3,697 |
| Net operating income to assets | 0.9497% | 2,596 |
| Return on assets (ROA) | 0.9615% | 2,638 |
| Pretax return on assets | 1.4592% | 1,725 |
| Return on Equity (ROE) | 7.6637% | 3,303 |
| Retained earnings to average equity (ytd only) | 3.7323% | 4,039 |
| Net charge-offs to loans | 0.2155% | 2,535 |
| Credit loss provision to net charge-offs | 46.0199% | 3,596 |
| Earnings coverage of net charge-offs (x) | 10.2376% | 2,386 |
| Efficiency ratio | 56.7026% | 5,833 |
| Assets per employee ($millions) | 8.3049% | 409 |
| Cash dividends to net income (ytd only)* | 51.2987% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,400 |
| Loan loss allowance to noncurrent loans | 80.9090% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 3,226 |
| Noncurrent loans to loans | 1.6050% | 2,769 |
| Net loans and leases to total assets | 68.3383% | 2,250 |
| Net loans and leases to deposits | 94.9058% | 766 |
| Net loans and leases to core deposits | 96.3092% | 1,370 |
| Total domestic deposits to total assets | 72.0064% | 6,493 |
| Equity capital to assets | 12.5471% | 1,554 |
| Core capital (leverage) ratio | 8.2889% | 5,980 |
| Tier 1 risk-based capital ratio | 11.4940% | 6,062 |
| Total risk-based capital ratio | 12.7449% | 6,025 |
| Memoranda: | ||
| Average total assets | $7,271,733,750 | 135 |
| Average earning assets | $6,471,289,500 | 135 |
| Average equity | $912,290,250 | 134 |
| Average total loans | $4,974,125,250 | 131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 4,490 |
| Cost of funding earning assets | 0.6078% | 2,871 |
| Net interest margin | 3.2894% | 4,625 |
| Noninterest income to average assets | 0.5917% | 3,242 |
| Noninterest expense to average assets | 2.0450% | 5,964 |
| Loan and lease loss provision to assets | 0.0690% | 3,662 |
| Net operating income to assets | 0.9911% | 2,368 |
| Return on assets (ROA) | 1.0094% | 2,423 |
| Pretax return on assets | 1.4313% | 1,832 |
| Return on Equity (ROE) | 8.0459% | 3,068 |
| Retained earnings to average equity (ytd only) | 3.8890% | 3,825 |
| Net charge-offs to loans | 0.2367% | 2,302 |
| Credit loss provision to net charge-offs | 42.7862% | 3,368 |
| Earnings coverage of net charge-offs (x) | 9.1456% | 2,319 |
| Efficiency ratio | 57.4597% | 5,799 |
| Assets per employee ($millions) | 8.1370% | 437 |
| Cash dividends to net income (ytd only)* | 51.6648% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,311 |
| Loan loss allowance to noncurrent loans | 75.4264% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 3,001 |
| Noncurrent loans to loans | 1.7773% | 2,662 |
| Net loans and leases to total assets | 67.7899% | 2,290 |
| Net loans and leases to deposits | 93.3783% | 851 |
| Net loans and leases to core deposits | 94.8006% | 1,454 |
| Total domestic deposits to total assets | 72.5970% | 6,530 |
| Equity capital to assets | 12.5261% | 1,562 |
| Core capital (leverage) ratio | 8.1566% | 6,057 |
| Tier 1 risk-based capital ratio | 11.1590% | 6,261 |
| Total risk-based capital ratio | 12.4101% | 6,238 |
| Memoranda: | ||
| Average total assets | $7,248,460,000 | 135 |
| Average earning assets | $6,451,541,000 | 134 |
| Average equity | $909,335,330 | 134 |
| Average total loans | $4,937,800,330 | 129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,366 |
| Cost of funding earning assets | 0.6212% | 2,911 |
| Net interest margin | 3.3090% | 4,483 |
| Noninterest income to average assets | 0.5160% | 3,668 |
| Noninterest expense to average assets | 2.0260% | 6,049 |
| Loan and lease loss provision to assets | 0.0829% | 3,268 |
| Net operating income to assets | 0.9520% | 2,431 |
| Return on assets (ROA) | 0.9718% | 2,475 |
| Pretax return on assets | 1.3819% | 1,919 |
| Return on Equity (ROE) | 7.7406% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.2620% | 3,673 |
| Net charge-offs to loans | 0.1479% | 2,518 |
| Credit loss provision to net charge-offs | 82.6902% | 2,126 |
| Earnings coverage of net charge-offs (x) | 14.3247% | 1,460 |
| Efficiency ratio | 57.8554% | 5,865 |
| Assets per employee ($millions) | 8.1301% | 465 |
| Cash dividends to net income (ytd only)* | 44.9400% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,105 |
| Loan loss allowance to noncurrent loans | 70.7000% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 2,949 |
| Noncurrent loans to loans | 2.0173% | 2,598 |
| Net loans and leases to total assets | 67.3478% | 2,130 |
| Net loans and leases to deposits | 91.1938% | 875 |
| Net loans and leases to core deposits | 92.5463% | 1,451 |
| Total domestic deposits to total assets | 73.8513% | 6,541 |
| Equity capital to assets | 12.7065% | 1,586 |
| Core capital (leverage) ratio | 8.0302% | 6,113 |
| Tier 1 risk-based capital ratio | 11.1940% | 6,315 |
| Total risk-based capital ratio | 12.4462% | 6,293 |
| Memoranda: | ||
| Average total assets | $7,235,464,500 | 139 |
| Average earning assets | $6,442,747,000 | 138 |
| Average equity | $908,400,500 | 139 |
| Average total loans | $4,907,527,000 | 133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 4,939 |
| Cost of funding earning assets | 0.7422% | 3,141 |
| Net interest margin | 3.3612% | 5,031 |
| Noninterest income to average assets | 0.5366% | 3,673 |
| Noninterest expense to average assets | 2.0548% | 6,223 |
| Loan and lease loss provision to assets | 0.2228% | 2,898 |
| Net operating income to assets | 0.8771% | 2,923 |
| Return on assets (ROA) | 0.9210% | 2,945 |
| Pretax return on assets | 1.3132% | 2,344 |
| Return on Equity (ROE) | 7.4207% | 3,393 |
| Retained earnings to average equity (ytd only) | 3.4709% | 3,777 |
| Net charge-offs to loans | 0.4207% | 2,552 |
| Credit loss provision to net charge-offs | 79.9880% | 3,834 |
| Earnings coverage of net charge-offs (x) | 5.2893% | 3,079 |
| Efficiency ratio | 57.4234% | 5,906 |
| Assets per employee ($millions) | 8.1933% | 464 |
| Cash dividends to net income (ytd only)* | 53.2269% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 3,999 |
| Loan loss allowance to noncurrent loans | 71.0643% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 3,095 |
| Noncurrent loans to loans | 2.0183% | 2,677 |
| Net loans and leases to total assets | 66.3705% | 2,473 |
| Net loans and leases to deposits | 88.6033% | 1,206 |
| Net loans and leases to core deposits | 90.0555% | 1,826 |
| Total domestic deposits to total assets | 74.9075% | 6,453 |
| Equity capital to assets | 12.4052% | 1,780 |
| Core capital (leverage) ratio | 7.8039% | 6,339 |
| Tier 1 risk-based capital ratio | 11.0816% | 6,317 |
| Total risk-based capital ratio | 12.3340% | 6,279 |
| Memoranda: | ||
| Average total assets | $7,180,666,200 | 135 |
| Average earning assets | $6,391,050,200 | 137 |
| Average equity | $891,181,600 | 139 |
| Average total loans | $4,754,199,400 | 132 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 5,053 |
| Cost of funding earning assets | 0.7621% | 3,257 |
| Net interest margin | 3.3747% | 5,119 |
| Noninterest income to average assets | 0.5382% | 3,681 |
| Noninterest expense to average assets | 2.0575% | 6,249 |
| Loan and lease loss provision to assets | 0.2236% | 2,823 |
| Net operating income to assets | 0.8940% | 3,010 |
| Return on assets (ROA) | 0.9268% | 3,068 |
| Pretax return on assets | 1.3080% | 2,572 |
| Return on Equity (ROE) | 7.4668% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.1848% | 3,233 |
| Net charge-offs to loans | 0.4543% | 2,285 |
| Credit loss provision to net charge-offs | 74.6687% | 3,781 |
| Earnings coverage of net charge-offs (x) | 4.9598% | 3,151 |
| Efficiency ratio | 57.2044% | 5,895 |
| Assets per employee ($millions) | 8.0194% | 476 |
| Cash dividends to net income (ytd only)* | 30.5620% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 4,120 |
| Loan loss allowance to noncurrent loans | 66.4976% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 3,128 |
| Noncurrent loans to loans | 2.1932% | 2,625 |
| Net loans and leases to total assets | 65.3576% | 2,764 |
| Net loans and leases to deposits | 87.9386% | 1,362 |
| Net loans and leases to core deposits | 89.5256% | 2,049 |
| Total domestic deposits to total assets | 74.3218% | 6,575 |
| Equity capital to assets | 12.4988% | 1,888 |
| Core capital (leverage) ratio | 7.8894% | 6,408 |
| Tier 1 risk-based capital ratio | 11.5459% | 6,203 |
| Total risk-based capital ratio | 12.7990% | 6,173 |
| Memoranda: | ||
| Average total assets | $7,154,862,500 | 136 |
| Average earning assets | $6,370,279,250 | 138 |
| Average equity | $888,082,250 | 138 |
| Average total loans | $4,716,574,500 | 131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 4,982 |
| Cost of funding earning assets | 0.7803% | 3,361 |
| Net interest margin | 3.4113% | 5,037 |
| Noninterest income to average assets | 0.5526% | 3,569 |
| Noninterest expense to average assets | 2.0752% | 6,276 |
| Loan and lease loss provision to assets | 0.2388% | 2,678 |
| Net operating income to assets | 0.9102% | 2,860 |
| Return on assets (ROA) | 0.9538% | 2,898 |
| Pretax return on assets | 1.3388% | 2,430 |
| Return on Equity (ROE) | 7.7022% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.0685% | 2,672 |
| Net charge-offs to loans | 0.4484% | 2,262 |
| Credit loss provision to net charge-offs | 80.9678% | 3,292 |
| Earnings coverage of net charge-offs (x) | 5.1402% | 2,898 |
| Efficiency ratio | 56.8139% | 6,027 |
| Assets per employee ($millions) | 7.8322% | 507 |
| Cash dividends to net income (ytd only)* | 21.2114% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,886 |
| Loan loss allowance to noncurrent loans | 62.7968% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.8015% | 3,035 |
| Noncurrent loans to loans | 2.4332% | 2,471 |
| Net loans and leases to total assets | 65.3492% | 2,797 |
| Net loans and leases to deposits | 89.0720% | 1,245 |
| Net loans and leases to core deposits | 90.7748% | 1,898 |
| Total domestic deposits to total assets | 73.3667% | 6,723 |
| Equity capital to assets | 12.5423% | 1,790 |
| Core capital (leverage) ratio | 7.7848% | 6,460 |
| Tier 1 risk-based capital ratio | 11.5285% | 6,199 |
| Total risk-based capital ratio | 12.7827% | 6,174 |
| Memoranda: | ||
| Average total assets | $7,117,972,670 | 136 |
| Average earning assets | $6,340,824,670 | 138 |
| Average equity | $881,409,330 | 138 |
| Average total loans | $4,682,480,330 | 131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 5,034 |
| Cost of funding earning assets | 0.7997% | 3,477 |
| Net interest margin | 3.4212% | 5,022 |
| Noninterest income to average assets | 0.5869% | 3,320 |
| Noninterest expense to average assets | 2.0447% | 6,385 |
| Loan and lease loss provision to assets | 0.2813% | 2,215 |
| Net operating income to assets | 0.9409% | 2,743 |
| Return on assets (ROA) | 1.0293% | 2,549 |
| Pretax return on assets | 1.4337% | 2,076 |
| Return on Equity (ROE) | 8.3662% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.3662% | 1,831 |
| Net charge-offs to loans | 0.4600% | 1,945 |
| Credit loss provision to net charge-offs | 93.3881% | 2,486 |
| Earnings coverage of net charge-offs (x) | 5.2854% | 2,404 |
| Efficiency ratio | 55.2546% | 6,198 |
| Assets per employee ($millions) | 7.8169% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,769 |
| Loan loss allowance to noncurrent loans | 61.4876% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 3,074 |
| Noncurrent loans to loans | 2.5831% | 2,525 |
| Net loans and leases to total assets | 64.3822% | 2,791 |
| Net loans and leases to deposits | 87.7535% | 1,200 |
| Net loans and leases to core deposits | 89.6336% | 1,886 |
| Total domestic deposits to total assets | 73.3671% | 6,797 |
| Equity capital to assets | 12.4202% | 1,778 |
| Core capital (leverage) ratio | 7.6624% | 6,520 |
| Tier 1 risk-based capital ratio | 11.4172% | 6,330 |
| Total risk-based capital ratio | 12.6720% | 6,308 |
| Memoranda: | ||
| Average total assets | $7,109,373,500 | 135 |
| Average earning assets | $6,337,870,000 | 136 |
| Average equity | $874,658,500 | 136 |
| Average total loans | $4,656,155,500 | 131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 5,091 |
| Cost of funding earning assets | 1.0166% | 3,261 |
| Net interest margin | 3.4792% | 5,224 |
| Noninterest income to average assets | 0.4598% | 4,142 |
| Noninterest expense to average assets | 2.0395% | 6,608 |
| Loan and lease loss provision to assets | 0.4177% | 2,501 |
| Net operating income to assets | 0.8095% | 2,996 |
| Return on assets (ROA) | 0.8139% | 3,149 |
| Pretax return on assets | 1.0923% | 2,867 |
| Return on Equity (ROE) | 6.6094% | 3,585 |
| Retained earnings to average equity (ytd only) | 3.4523% | 3,767 |
| Net charge-offs to loans | 0.5162% | 2,924 |
| Credit loss provision to net charge-offs | 124.1889% | 2,528 |
| Earnings coverage of net charge-offs (x) | 4.4722% | 3,102 |
| Efficiency ratio | 56.4494% | 6,257 |
| Assets per employee ($millions) | 7.8339% | 503 |
| Cash dividends to net income (ytd only)* | 47.7679% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 3,596 |
| Loan loss allowance to noncurrent loans | 60.6704% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8970% | 3,112 |
| Noncurrent loans to loans | 2.6335% | 2,470 |
| Net loans and leases to total assets | 64.5178% | 3,076 |
| Net loans and leases to deposits | 88.2827% | 1,342 |
| Net loans and leases to core deposits | 90.1364% | 2,111 |
| Total domestic deposits to total assets | 73.0809% | 6,802 |
| Equity capital to assets | 12.1852% | 1,981 |
| Core capital (leverage) ratio | 7.4239% | 6,690 |
| Tier 1 risk-based capital ratio | 10.8754% | 6,523 |
| Total risk-based capital ratio | 12.1301% | 6,496 |
| Memoranda: | ||
| Average total assets | $6,919,046,400 | 141 |
| Average earning assets | $6,132,823,800 | 142 |
| Average equity | $852,023,000 | 134 |
| Average total loans | $4,508,512,600 | 130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 5,010 |
| Cost of funding earning assets | 1.0589% | 3,260 |
| Net interest margin | 3.5075% | 5,157 |
| Noninterest income to average assets | 0.4520% | 4,279 |
| Noninterest expense to average assets | 2.0421% | 6,607 |
| Loan and lease loss provision to assets | 0.4441% | 2,252 |
| Net operating income to assets | 0.8040% | 3,137 |
| Return on assets (ROA) | 0.8096% | 3,281 |
| Pretax return on assets | 1.0786% | 3,099 |
| Return on Equity (ROE) | 6.5567% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.5880% | 4,186 |
| Net charge-offs to loans | 0.5356% | 2,628 |
| Credit loss provision to net charge-offs | 127.4559% | 2,510 |
| Earnings coverage of net charge-offs (x) | 4.3485% | 3,098 |
| Efficiency ratio | 56.2387% | 6,245 |
| Assets per employee ($millions) | 7.8537% | 499 |
| Cash dividends to net income (ytd only)* | 45.2781% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 3,604 |
| Loan loss allowance to noncurrent loans | 58.7670% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.8782% | 3,297 |
| Noncurrent loans to loans | 2.7436% | 2,551 |
| Net loans and leases to total assets | 64.2295% | 3,263 |
| Net loans and leases to deposits | 88.1652% | 1,420 |
| Net loans and leases to core deposits | 90.1292% | 2,232 |
| Total domestic deposits to total assets | 72.8513% | 6,866 |
| Equity capital to assets | 12.3395% | 2,004 |
| Core capital (leverage) ratio | 7.4290% | 6,800 |
| Tier 1 risk-based capital ratio | 10.9187% | 6,592 |
| Total risk-based capital ratio | 12.1737% | 6,565 |
| Memoranda: | ||
| Average total assets | $6,874,429,500 | 140 |
| Average earning assets | $6,086,391,250 | 143 |
| Average equity | $848,817,250 | 135 |
| Average total loans | $4,472,263,500 | 132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 4,963 |
| Cost of funding earning assets | 1.0890% | 3,324 |
| Net interest margin | 3.5102% | 5,111 |
| Noninterest income to average assets | 0.4500% | 4,286 |
| Noninterest expense to average assets | 2.0663% | 6,659 |
| Loan and lease loss provision to assets | 0.4507% | 2,165 |
| Net operating income to assets | 0.7803% | 3,157 |
| Return on assets (ROA) | 0.7743% | 3,312 |
| Pretax return on assets | 1.0365% | 3,090 |
| Return on Equity (ROE) | 6.2692% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.7525% | 3,157 |
| Net charge-offs to loans | 0.5327% | 2,501 |
| Credit loss provision to net charge-offs | 130.2105% | 2,343 |
| Earnings coverage of net charge-offs (x) | 4.3197% | 2,892 |
| Efficiency ratio | 56.7915% | 6,321 |
| Assets per employee ($millions) | 7.7133% | 508 |
| Cash dividends to net income (ytd only)* | 24.1929% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 3,610 |
| Loan loss allowance to noncurrent loans | 59.5766% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,444 |
| Noncurrent loans to loans | 2.7245% | 2,671 |
| Net loans and leases to total assets | 63.6834% | 3,535 |
| Net loans and leases to deposits | 87.3600% | 1,597 |
| Net loans and leases to core deposits | 89.3574% | 2,455 |
| Total domestic deposits to total assets | 72.8977% | 6,937 |
| Equity capital to assets | 12.4523% | 1,810 |
| Core capital (leverage) ratio | 7.5629% | 6,704 |
| Tier 1 risk-based capital ratio | 11.3941% | 6,255 |
| Total risk-based capital ratio | 12.6494% | 6,237 |
| Memoranda: | ||
| Average total assets | $6,833,350,670 | 142 |
| Average earning assets | $6,057,431,670 | 145 |
| Average equity | $843,931,670 | 135 |
| Average total loans | $4,440,278,000 | 135 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 4,980 |
| Cost of funding earning assets | 1.1034% | 3,493 |
| Net interest margin | 3.4895% | 5,058 |
| Noninterest income to average assets | 0.4166% | 4,574 |
| Noninterest expense to average assets | 2.0609% | 6,715 |
| Loan and lease loss provision to assets | 0.4640% | 1,901 |
| Net operating income to assets | 0.7419% | 3,315 |
| Return on assets (ROA) | 0.7425% | 3,380 |
| Pretax return on assets | 0.9934% | 3,155 |
| Return on Equity (ROE) | 6.0373% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.4165% | 2,950 |
| Net charge-offs to loans | 0.3549% | 2,644 |
| Credit loss provision to net charge-offs | 200.8134% | 1,475 |
| Earnings coverage of net charge-offs (x) | 6.3038% | 2,122 |
| Efficiency ratio | 57.3015% | 6,347 |
| Assets per employee ($millions) | 7.5412% | 574 |
| Cash dividends to net income (ytd only)* | 10.2840% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 3,600 |
| Loan loss allowance to noncurrent loans | 63.4542% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.7108% | 3,688 |
| Noncurrent loans to loans | 2.5701% | 2,922 |
| Net loans and leases to total assets | 64.5279% | 3,346 |
| Net loans and leases to deposits | 89.2613% | 1,322 |
| Net loans and leases to core deposits | 91.1805% | 2,217 |
| Total domestic deposits to total assets | 72.2910% | 7,058 |
| Equity capital to assets | 12.3981% | 1,684 |
| Core capital (leverage) ratio | 7.4312% | 6,770 |
| Tier 1 risk-based capital ratio | 11.1737% | 6,375 |
| Total risk-based capital ratio | 12.4292% | 6,340 |
| Memoranda: | ||
| Average total assets | $6,809,885,500 | 144 |
| Average earning assets | $6,051,654,500 | 147 |
| Average equity | $837,520,500 | 136 |
| Average total loans | $4,433,471,000 | 138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 5,590 |
| Cost of funding earning assets | 1.3331% | 3,670 |
| Net interest margin | 3.4250% | 5,528 |
| Noninterest income to average assets | 0.4471% | 4,539 |
| Noninterest expense to average assets | 2.0213% | 6,987 |
| Loan and lease loss provision to assets | 0.5211% | 3,069 |
| Net operating income to assets | 0.7142% | 3,176 |
| Return on assets (ROA) | 0.7223% | 3,265 |
| Pretax return on assets | 0.9426% | 3,126 |
| Return on Equity (ROE) | 6.0475% | 3,585 |
| Retained earnings to average equity (ytd only) | 4.3761% | 2,783 |
| Net charge-offs to loans | 0.6315% | 3,128 |
| Credit loss provision to net charge-offs | 128.9877% | 3,093 |
| Earnings coverage of net charge-offs (x) | 3.5973% | 3,287 |
| Efficiency ratio | 56.6750% | 6,502 |
| Assets per employee ($millions) | 7.6004% | 567 |
| Cash dividends to net income (ytd only)* | 27.6378% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,741 |
| Loan loss allowance to noncurrent loans | 70.6551% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4560% | 4,145 |
| Noncurrent loans to loans | 2.2056% | 3,315 |
| Net loans and leases to total assets | 63.6045% | 3,950 |
| Net loans and leases to deposits | 88.5434% | 1,714 |
| Net loans and leases to core deposits | 90.3841% | 2,715 |
| Total domestic deposits to total assets | 71.8343% | 7,094 |
| Equity capital to assets | 12.1995% | 1,790 |
| Core capital (leverage) ratio | 7.1896% | 6,915 |
| Tier 1 risk-based capital ratio | 10.9109% | 6,399 |
| Total risk-based capital ratio | 12.1653% | 6,367 |
| Memoranda: | ||
| Average total assets | $6,812,732,200 | 145 |
| Average earning assets | $6,022,000,400 | 144 |
| Average equity | $813,686,600 | 134 |
| Average total loans | $4,358,530,600 | 136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 5,666 |
| Cost of funding earning assets | 1.3842% | 3,677 |
| Net interest margin | 3.4140% | 5,622 |
| Noninterest income to average assets | 0.4471% | 4,583 |
| Noninterest expense to average assets | 1.9980% | 7,050 |
| Loan and lease loss provision to assets | 0.5208% | 2,851 |
| Net operating income to assets | 0.7250% | 3,296 |
| Return on assets (ROA) | 0.7350% | 3,420 |
| Pretax return on assets | 0.9548% | 3,346 |
| Return on Equity (ROE) | 6.1875% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.0337% | 2,968 |
| Net charge-offs to loans | 0.5700% | 3,042 |
| Credit loss provision to net charge-offs | 143.1647% | 2,744 |
| Earnings coverage of net charge-offs (x) | 4.0207% | 3,211 |
| Efficiency ratio | 56.1611% | 6,532 |
| Assets per employee ($millions) | 7.6198% | 594 |
| Cash dividends to net income (ytd only)* | 18.6463% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,607 |
| Loan loss allowance to noncurrent loans | 66.4322% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 4,060 |
| Noncurrent loans to loans | 2.3825% | 3,255 |
| Net loans and leases to total assets | 62.9803% | 4,326 |
| Net loans and leases to deposits | 86.8451% | 2,172 |
| Net loans and leases to core deposits | 88.5513% | 3,304 |
| Total domestic deposits to total assets | 72.5204% | 7,079 |
| Equity capital to assets | 12.2607% | 2,005 |
| Core capital (leverage) ratio | 7.1147% | 7,103 |
| Tier 1 risk-based capital ratio | 10.8114% | 6,536 |
| Total risk-based capital ratio | 12.0660% | 6,515 |
| Memoranda: | ||
| Average total assets | $6,809,632,750 | 144 |
| Average earning assets | $6,010,750,000 | 144 |
| Average equity | $808,950,250 | 134 |
| Average total loans | $4,345,709,750 | 135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 5,804 |
| Cost of funding earning assets | 1.4243% | 3,722 |
| Net interest margin | 3.3746% | 5,740 |
| Noninterest income to average assets | 0.4437% | 4,574 |
| Noninterest expense to average assets | 2.0011% | 7,110 |
| Loan and lease loss provision to assets | 0.5281% | 2,677 |
| Net operating income to assets | 0.6634% | 3,567 |
| Return on assets (ROA) | 0.6775% | 3,645 |
| Pretax return on assets | 0.9131% | 3,443 |
| Return on Equity (ROE) | 5.7644% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.7644% | 2,462 |
| Net charge-offs to loans | 0.7940% | 2,264 |
| Credit loss provision to net charge-offs | 104.3236% | 3,908 |
| Earnings coverage of net charge-offs (x) | 2.8094% | 3,584 |
| Efficiency ratio | 56.7324% | 6,539 |
| Assets per employee ($millions) | 7.5642% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 4,334 |
| Loan loss allowance to noncurrent loans | 65.9856% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4212% | 4,343 |
| Noncurrent loans to loans | 2.1535% | 3,523 |
| Net loans and leases to total assets | 62.5200% | 4,576 |
| Net loans and leases to deposits | 86.5558% | 2,423 |
| Net loans and leases to core deposits | 88.1674% | 3,527 |
| Total domestic deposits to total assets | 72.2309% | 7,168 |
| Equity capital to assets | 12.0429% | 2,076 |
| Core capital (leverage) ratio | 6.9931% | 7,197 |
| Tier 1 risk-based capital ratio | 10.7418% | 6,487 |
| Total risk-based capital ratio | 11.9946% | 6,474 |
| Memoranda: | ||
| Average total assets | $6,816,427,000 | 142 |
| Average earning assets | $6,018,756,670 | 143 |
| Average equity | $801,130,000 | 134 |
| Average total loans | $4,346,060,670 | 135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 5,872 |
| Cost of funding earning assets | 1.4815% | 3,684 |
| Net interest margin | 3.3252% | 5,887 |
| Noninterest income to average assets | 0.4130% | 4,783 |
| Noninterest expense to average assets | 2.0253% | 7,114 |
| Loan and lease loss provision to assets | 0.5284% | 2,387 |
| Net operating income to assets | 0.5890% | 3,940 |
| Return on assets (ROA) | 0.6245% | 3,914 |
| Pretax return on assets | 0.8480% | 3,679 |
| Return on Equity (ROE) | 5.3800% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.3800% | 2,942 |
| Net charge-offs to loans | 0.9896% | 1,656 |
| Credit loss provision to net charge-offs | 83.5267% | 3,798 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 3,491 |
| Efficiency ratio | 58.5631% | 6,401 |
| Assets per employee ($millions) | 7.4598% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,610 |
| Loan loss allowance to noncurrent loans | 71.4317% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2712% | 4,632 |
| Noncurrent loans to loans | 1.9079% | 3,912 |
| Net loans and leases to total assets | 62.8001% | 4,588 |
| Net loans and leases to deposits | 86.8844% | 2,429 |
| Net loans and leases to core deposits | 88.5217% | 3,565 |
| Total domestic deposits to total assets | 72.2801% | 7,237 |
| Equity capital to assets | 11.7544% | 2,198 |
| Core capital (leverage) ratio | 6.7084% | 7,387 |
| Tier 1 risk-based capital ratio | 10.3183% | 6,795 |
| Total risk-based capital ratio | 11.5702% | 6,793 |
| Memoranda: | ||
| Average total assets | $6,813,183,500 | 142 |
| Average earning assets | $6,025,434,500 | 144 |
| Average equity | $790,855,500 | 135 |
| Average total loans | $4,355,503,500 | 138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 6,416 |
| Cost of funding earning assets | 1.9572% | 3,173 |
| Net interest margin | 3.0479% | 6,522 |
| Noninterest income to average assets | 0.4522% | 4,786 |
| Noninterest expense to average assets | 4.4391% | 846 |
| Loan and lease loss provision to assets | 0.4537% | 4,104 |
| Net operating income to assets | -1.8743% | 7,036 |
| Return on assets (ROA) | -1.8521% | 7,028 |
| Pretax return on assets | -1.7480% | 6,837 |
| Return on Equity (ROE) | -15.4311% | 6,958 |
| Retained earnings to average equity (ytd only) | -17.3429% | 7,003 |
| Net charge-offs to loans | 0.3919% | 4,256 |
| Credit loss provision to net charge-offs | 175.6882% | 2,393 |
| Earnings coverage of net charge-offs (x) | -5.0979% | 7,110 |
| Efficiency ratio | 66.5746% | 5,274 |
| Assets per employee ($millions) | 7.3367% | 694 |
| Cash dividends to net income (ytd only)* | -12.3891% | 7,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 4,309 |
| Loan loss allowance to noncurrent loans | 71.9060% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 4,465 |
| Noncurrent loans to loans | 1.9269% | 3,759 |
| Net loans and leases to total assets | 63.2967% | 4,751 |
| Net loans and leases to deposits | 87.7932% | 2,595 |
| Net loans and leases to core deposits | 97.0413% | 4,344 |
| Total domestic deposits to total assets | 72.0975% | 7,233 |
| Equity capital to assets | 11.4618% | 2,341 |
| Core capital (leverage) ratio | 6.4392% | 7,516 |
| Tier 1 risk-based capital ratio | 9.8074% | 7,015 |
| Total risk-based capital ratio | 11.0597% | 6,994 |
| Memoranda: | ||
| Average total assets | $6,667,722,000 | 140 |
| Average earning assets | $5,841,954,400 | 144 |
| Average equity | $800,304,600 | 129 |
| Average total loans | $4,393,065,800 | 136 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 6,503 |
| Cost of funding earning assets | 2.0373% | 3,173 |
| Net interest margin | 2.9964% | 6,623 |
| Noninterest income to average assets | 0.4540% | 4,873 |
| Noninterest expense to average assets | 5.2131% | 424 |
| Loan and lease loss provision to assets | 0.3642% | 4,135 |
| Net operating income to assets | -2.6512% | 7,498 |
| Return on assets (ROA) | -2.6298% | 7,502 |
| Pretax return on assets | -2.4831% | 7,343 |
| Return on Equity (ROE) | -21.6590% | 7,432 |
| Retained earnings to average equity (ytd only) | -23.4486% | 7,447 |
| Net charge-offs to loans | 0.3058% | 4,121 |
| Credit loss provision to net charge-offs | 179.5457% | 2,560 |
| Earnings coverage of net charge-offs (x) | -10.5524% | 6,903 |
| Efficiency ratio | 67.2972% | 5,119 |
| Assets per employee ($millions) | 7.2177% | 718 |
| Cash dividends to net income (ytd only)* | -8.2623% | 7,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 4,572 |
| Loan loss allowance to noncurrent loans | 71.2381% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 4,604 |
| Noncurrent loans to loans | 1.8104% | 3,901 |
| Net loans and leases to total assets | 62.6722% | 5,125 |
| Net loans and leases to deposits | 87.1725% | 3,115 |
| Net loans and leases to core deposits | 97.3374% | 4,677 |
| Total domestic deposits to total assets | 71.8945% | 7,223 |
| Equity capital to assets | 11.4424% | 2,638 |
| Core capital (leverage) ratio | 6.4837% | 7,682 |
| Tier 1 risk-based capital ratio | 9.8668% | 7,085 |
| Total risk-based capital ratio | 11.1178% | 7,047 |
| Memoranda: | ||
| Average total assets | $6,627,039,250 | 151 |
| Average earning assets | $5,791,990,750 | 151 |
| Average equity | $804,657,000 | 131 |
| Average total loans | $4,395,283,750 | 145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 6,447 |
| Cost of funding earning assets | 2.1029% | 3,249 |
| Net interest margin | 2.9959% | 6,563 |
| Noninterest income to average assets | 0.4374% | 4,961 |
| Noninterest expense to average assets | 6.8038% | 238 |
| Loan and lease loss provision to assets | 0.3533% | 3,807 |
| Net operating income to assets | -4.2529% | 7,863 |
| Return on assets (ROA) | -4.2215% | 7,854 |
| Pretax return on assets | -4.0819% | 7,763 |
| Return on Equity (ROE) | -34.0893% | 7,771 |
| Retained earnings to average equity (ytd only) | -36.1058% | 7,784 |
| Net charge-offs to loans | 0.3311% | 3,529 |
| Credit loss provision to net charge-offs | 158.5133% | 2,903 |
| Earnings coverage of net charge-offs (x) | -16.8714% | 6,557 |
| Efficiency ratio | 68.1731% | 5,127 |
| Assets per employee ($millions) | 6.9547% | 784 |
| Cash dividends to net income (ytd only)* | -5.9155% | 7,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 4,995 |
| Loan loss allowance to noncurrent loans | 81.3932% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 4,923 |
| Noncurrent loans to loans | 1.4659% | 4,295 |
| Net loans and leases to total assets | 64.6915% | 4,838 |
| Net loans and leases to deposits | 91.0359% | 2,647 |
| Net loans and leases to core deposits | 102.8173% | 4,201 |
| Total domestic deposits to total assets | 71.0616% | 7,358 |
| Equity capital to assets | 11.5042% | 2,538 |
| Core capital (leverage) ratio | 6.5545% | 7,768 |
| Tier 1 risk-based capital ratio | 9.7513% | 7,181 |
| Total risk-based capital ratio | 11.0013% | 7,125 |
| Memoranda: | ||
| Average total assets | $6,567,300,000 | 154 |
| Average earning assets | $5,713,458,670 | 154 |
| Average equity | $813,275,670 | 135 |
| Average total loans | $4,419,923,670 | 149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 6,309 |
| Cost of funding earning assets | 2.1400% | 3,465 |
| Net interest margin | 3.0566% | 6,316 |
| Noninterest income to average assets | 0.4068% | 5,166 |
| Noninterest expense to average assets | 11.3771% | 93 |
| Loan and lease loss provision to assets | 0.3557% | 3,186 |
| Net operating income to assets | -8.8562% | 8,159 |
| Return on assets (ROA) | -8.8447% | 8,149 |
| Pretax return on assets | -8.6671% | 8,134 |
| Return on Equity (ROE) | -68.9251% | 8,107 |
| Retained earnings to average equity (ytd only) | -69.6896% | 8,096 |
| Net charge-offs to loans | 0.1044% | 4,134 |
| Credit loss provision to net charge-offs | 499.1394% | 1,096 |
| Earnings coverage of net charge-offs (x) | -116.8055% | 5,711 |
| Efficiency ratio | 63.2481% | 5,826 |
| Assets per employee ($millions) | 6.8036% | 843 |
| Cash dividends to net income (ytd only)* | -1.1093% | 8,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,831 |
| Loan loss allowance to noncurrent loans | 82.1138% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 4,617 |
| Noncurrent loans to loans | 1.4571% | 4,119 |
| Net loans and leases to total assets | 66.3948% | 4,488 |
| Net loans and leases to deposits | 95.4042% | 2,054 |
| Net loans and leases to core deposits | 108.0740% | 3,666 |
| Total domestic deposits to total assets | 69.5932% | 7,464 |
| Equity capital to assets | 11.7716% | 2,398 |
| Core capital (leverage) ratio | 6.5442% | 7,861 |
| Tier 1 risk-based capital ratio | 9.9733% | 6,960 |
| Total risk-based capital ratio | 11.2239% | 6,854 |
| Memoranda: | ||
| Average total assets | $6,523,108,500 | 155 |
| Average earning assets | $5,649,748,000 | 157 |
| Average equity | $837,071,500 | 133 |
| Average total loans | $4,451,057,000 | 149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 7,209 |
| Cost of funding earning assets | 2.4625% | 4,411 |
| Net interest margin | 3.0765% | 6,717 |
| Noninterest income to average assets | 0.4781% | 4,817 |
| Noninterest expense to average assets | 2.0169% | 7,408 |
| Loan and lease loss provision to assets | 0.2355% | 4,541 |
| Net operating income to assets | 0.6256% | 4,204 |
| Return on assets (ROA) | 0.6217% | 4,074 |
| Pretax return on assets | 0.8535% | 3,877 |
| Return on Equity (ROE) | 4.4664% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.2113% | 3,151 |
| Net charge-offs to loans | 0.1880% | 4,314 |
| Credit loss provision to net charge-offs | 184.8225% | 2,683 |
| Earnings coverage of net charge-offs (x) | 8.5886% | 2,854 |
| Efficiency ratio | 61.8323% | 5,987 |
| Assets per employee ($millions) | 6.8503% | 757 |
| Cash dividends to net income (ytd only)* | 28.1019% | 4,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 5,591 |
| Loan loss allowance to noncurrent loans | 80.7050% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 4,467 |
| Noncurrent loans to loans | 1.3060% | 3,899 |
| Net loans and leases to total assets | 68.5377% | 4,356 |
| Net loans and leases to deposits | 105.3547% | 1,183 |
| Net loans and leases to core deposits | 117.6859% | 2,923 |
| Total domestic deposits to total assets | 65.0542% | 7,721 |
| Equity capital to assets | 13.8893% | 1,465 |
| Core capital (leverage) ratio | 6.6353% | 7,882 |
| Tier 1 risk-based capital ratio | 9.6117% | 7,194 |
| Total risk-based capital ratio | 10.7750% | 7,201 |
| Memoranda: | ||
| Average total assets | $6,411,077,400 | 151 |
| Average earning assets | $5,487,654,000 | 162 |
| Average equity | $892,322,000 | 126 |
| Average total loans | $4,346,810,800 | 150 |