Home > Renasant Bank > Performance and Condition Ratios
Renasant Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 1,447 |
| Cost of funding earning assets | 1.6765% | 1,502 |
| Net interest margin | 3.6478% | 1,866 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 2.5325% | 2,209 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1611% | 1,752 |
| Return on assets (ROA) | 0.9649% | 2,308 |
| Pretax return on assets | 1.1972% | 2,146 |
| Return on Equity (ROE) | 6.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.8327% | 3,021 |
| Net charge-offs to loans | 0.1015% | 897 |
| Credit loss provision to net charge-offs | 152.4169% | 1,457 |
| Earnings coverage of net charge-offs (x) | 21.4034% | 1,838 |
| Efficiency ratio | 61.5718% | 2,895 |
| Assets per employee ($millions) | 7.4734% | 1,743 |
| Cash dividends to net income (ytd only)* | 43.2830% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 865 |
| Loan loss allowance to noncurrent loans | 286.2674% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 1,224 |
| Noncurrent loans to loans | 0.5536% | 1,415 |
| Net loans and leases to total assets | 71.0400% | 1,693 |
| Net loans and leases to deposits | 86.5773% | 1,575 |
| Net loans and leases to core deposits | 94.2778% | 1,753 |
| Total domestic deposits to total assets | 82.0500% | 3,122 |
| Equity capital to assets | 14.6376% | 585 |
| Core capital (leverage) ratio | 10.4474% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4907% | 2,069 |
| Memoranda: | ||
| Average total assets | $17,249,658,800 | 107 |
| Average earning assets | $14,973,034,800 | 111 |
| Average equity | $2,462,909,000 | 83 |
| Average total loans | $12,146,981,000 | 103 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 1,389 |
| Cost of funding earning assets | 1.5477% | 1,486 |
| Net interest margin | 3.6862% | 1,805 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.5203% | 2,162 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1680% | 1,881 |
| Return on assets (ROA) | 1.0308% | 2,260 |
| Pretax return on assets | 1.2979% | 2,049 |
| Return on Equity (ROE) | 7.2700% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.3267% | 3,175 |
| Net charge-offs to loans | 0.1169% | 688 |
| Credit loss provision to net charge-offs | 154.0172% | 1,306 |
| Earnings coverage of net charge-offs (x) | 19.2257% | 1,841 |
| Efficiency ratio | 60.7977% | 2,874 |
| Assets per employee ($millions) | 7.5419% | 1,608 |
| Cash dividends to net income (ytd only)* | 40.4505% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 898 |
| Loan loss allowance to noncurrent loans | 282.2305% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 1,262 |
| Noncurrent loans to loans | 0.5647% | 1,419 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 85.2417% | 1,634 |
| Net loans and leases to core deposits | 94.6217% | 1,640 |
| Total domestic deposits to total assets | 83.3500% | 2,949 |
| Equity capital to assets | 14.4300% | 595 |
| Core capital (leverage) ratio | 10.3349% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4635% | 2,090 |
| Memoranda: | ||
| Average total assets | $17,221,898,750 | 106 |
| Average earning assets | $14,948,834,500 | 112 |
| Average equity | $2,443,337,500 | 82 |
| Average total loans | $12,050,979,750 | 104 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 1,378 |
| Cost of funding earning assets | 1.3673% | 1,535 |
| Net interest margin | 3.7299% | 1,756 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.5241% | 2,137 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2003% | 1,832 |
| Return on assets (ROA) | 0.9920% | 2,434 |
| Pretax return on assets | 1.2438% | 2,243 |
| Return on Equity (ROE) | 7.0300% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.1003% | 3,195 |
| Net charge-offs to loans | 0.1447% | 528 |
| Credit loss provision to net charge-offs | 126.9547% | 1,299 |
| Earnings coverage of net charge-offs (x) | 15.9935% | 1,840 |
| Efficiency ratio | 60.3817% | 2,915 |
| Assets per employee ($millions) | 7.5282% | 1,591 |
| Cash dividends to net income (ytd only)* | 41.6912% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 939 |
| Loan loss allowance to noncurrent loans | 211.8472% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 966 |
| Noncurrent loans to loans | 0.7534% | 1,003 |
| Net loans and leases to total assets | 69.5800% | 1,792 |
| Net loans and leases to deposits | 84.0363% | 1,666 |
| Net loans and leases to core deposits | 94.9782% | 1,524 |
| Total domestic deposits to total assets | 82.8000% | 3,089 |
| Equity capital to assets | 14.2761% | 608 |
| Core capital (leverage) ratio | 10.0854% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2733% | 2,184 |
| Memoranda: | ||
| Average total assets | $17,233,173,000 | 103 |
| Average earning assets | $14,956,228,667 | 108 |
| Average equity | $2,431,039,333 | 81 |
| Average total loans | $11,931,427,667 | 101 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 1,379 |
| Cost of funding earning assets | 1.1209% | 1,692 |
| Net interest margin | 3.7986% | 1,692 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.5213% | 2,192 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.1906% | 1,954 |
| Return on assets (ROA) | 1.1906% | 1,917 |
| Pretax return on assets | 1.4956% | 1,680 |
| Return on Equity (ROE) | 8.4900% | 3,182 |
| Retained earnings to average equity (ytd only) | 5.5520% | 2,873 |
| Net charge-offs to loans | 0.1603% | 437 |
| Credit loss provision to net charge-offs | 168.2164% | 905 |
| Earnings coverage of net charge-offs (x) | 14.9854% | 1,556 |
| Efficiency ratio | 59.7154% | 2,992 |
| Assets per employee ($millions) | 7.6968% | 1,510 |
| Cash dividends to net income (ytd only)* | 34.6138% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 933 |
| Loan loss allowance to noncurrent loans | 259.3864% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,110 |
| Noncurrent loans to loans | 0.6313% | 1,191 |
| Net loans and leases to total assets | 67.1100% | 1,937 |
| Net loans and leases to deposits | 83.3351% | 1,545 |
| Net loans and leases to core deposits | 91.8420% | 1,507 |
| Total domestic deposits to total assets | 80.5300% | 3,701 |
| Equity capital to assets | 13.9729% | 601 |
| Core capital (leverage) ratio | 10.0835% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2760% | 2,279 |
| Memoranda: | ||
| Average total assets | $17,237,452,500 | 107 |
| Average earning assets | $14,962,729,500 | 110 |
| Average equity | $2,417,053,500 | 84 |
| Average total loans | $11,807,076,000 | 105 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7143% | 2,489 |
| Cost of funding earning assets | 0.2721% | 3,134 |
| Net interest margin | 3.4422% | 2,124 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.3370% | 2,625 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0978% | 2,182 |
| Return on assets (ROA) | 1.0978% | 2,120 |
| Pretax return on assets | 1.4051% | 1,753 |
| Return on Equity (ROE) | 7.6600% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.8230% | 3,127 |
| Net charge-offs to loans | 0.0669% | 979 |
| Credit loss provision to net charge-offs | 324.5736% | 878 |
| Earnings coverage of net charge-offs (x) | 35.3572% | 1,580 |
| Efficiency ratio | 59.3797% | 3,138 |
| Assets per employee ($millions) | 7.2817% | 1,767 |
| Cash dividends to net income (ytd only)* | 37.0428% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 894 |
| Loan loss allowance to noncurrent loans | 337.7228% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 1,475 |
| Noncurrent loans to loans | 0.4866% | 1,486 |
| Net loans and leases to total assets | 67.6400% | 1,867 |
| Net loans and leases to deposits | 84.2048% | 1,452 |
| Net loans and leases to core deposits | 88.0408% | 1,603 |
| Total domestic deposits to total assets | 80.3300% | 3,829 |
| Equity capital to assets | 14.0727% | 569 |
| Core capital (leverage) ratio | 10.3020% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2165% | 2,280 |
| Memoranda: | ||
| Average total assets | $16,748,938,600 | 112 |
| Average earning assets | $14,586,037,200 | 118 |
| Average equity | $2,400,220,600 | 92 |
| Average total loans | $10,961,353,400 | 111 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 2,769 |
| Cost of funding earning assets | 0.1704% | 3,625 |
| Net interest margin | 3.2821% | 2,348 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.3192% | 2,574 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0579% | 2,260 |
| Return on assets (ROA) | 1.0579% | 2,224 |
| Pretax return on assets | 1.3517% | 1,878 |
| Return on Equity (ROE) | 7.3500% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.5199% | 3,276 |
| Net charge-offs to loans | 0.0589% | 893 |
| Credit loss provision to net charge-offs | 279.2358% | 845 |
| Earnings coverage of net charge-offs (x) | 38.3111% | 1,408 |
| Efficiency ratio | 60.5695% | 3,043 |
| Assets per employee ($millions) | 7.0004% | 1,940 |
| Cash dividends to net income (ytd only)* | 38.4927% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,169 |
| Loan loss allowance to noncurrent loans | 312.1024% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 1,535 |
| Noncurrent loans to loans | 0.4966% | 1,556 |
| Net loans and leases to total assets | 67.2100% | 1,764 |
| Net loans and leases to deposits | 81.4979% | 1,482 |
| Net loans and leases to core deposits | 83.0110% | 1,714 |
| Total domestic deposits to total assets | 82.4700% | 3,760 |
| Equity capital to assets | 14.2622% | 538 |
| Core capital (leverage) ratio | 10.3382% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7100% | 2,166 |
| Memoranda: | ||
| Average total assets | $16,687,302,000 | 113 |
| Average earning assets | $14,548,823,750 | 120 |
| Average equity | $2,402,345,250 | 94 |
| Average total loans | $10,779,589,500 | 113 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 3,071 |
| Cost of funding earning assets | 0.1487% | 3,592 |
| Net interest margin | 3.0422% | 2,752 |
| Noninterest income to average assets | 0.8924% | 860 |
| Noninterest expense to average assets | 2.2772% | 2,615 |
| Loan and lease loss provision to assets | 0.0418% | 1,823 |
| Net operating income to assets | 0.9728% | 2,250 |
| Return on assets (ROA) | 0.9728% | 2,223 |
| Pretax return on assets | 1.2317% | 1,956 |
| Return on Equity (ROE) | 6.7369% | 3,380 |
| Retained earnings to average equity (ytd only) | 3.9410% | 3,103 |
| Net charge-offs to loans | 0.0600% | 807 |
| Credit loss provision to net charge-offs | 109.7867% | 1,224 |
| Earnings coverage of net charge-offs (x) | 33.4677% | 1,345 |
| Efficiency ratio | 63.2355% | 2,883 |
| Assets per employee ($millions) | 7.0756% | 1,892 |
| Cash dividends to net income (ytd only)* | 41.5012% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,307 |
| Loan loss allowance to noncurrent loans | 373.2107% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 1,878 |
| Noncurrent loans to loans | 0.4122% | 1,883 |
| Net loans and leases to total assets | 63.9819% | 1,914 |
| Net loans and leases to deposits | 76.3917% | 1,659 |
| Net loans and leases to core deposits | 77.8545% | 1,863 |
| Total domestic deposits to total assets | 83.7550% | 3,734 |
| Equity capital to assets | 14.3095% | 482 |
| Core capital (leverage) ratio | 10.1296% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8676% | 2,113 |
| Memoranda: | ||
| Average total assets | $16,756,717,000 | 112 |
| Average earning assets | $14,642,192,000 | 119 |
| Average equity | $2,419,699,333 | 94 |
| Average total loans | $10,622,904,000 | 112 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9884% | 3,287 |
| Cost of funding earning assets | 0.1539% | 3,445 |
| Net interest margin | 2.8346% | 3,027 |
| Noninterest income to average assets | 0.8848% | 857 |
| Noninterest expense to average assets | 2.2121% | 2,809 |
| Loan and lease loss provision to assets | 0.0357% | 1,717 |
| Net operating income to assets | 0.8979% | 2,276 |
| Return on assets (ROA) | 0.8979% | 2,276 |
| Pretax return on assets | 1.1217% | 2,074 |
| Return on Equity (ROE) | 6.1905% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.3770% | 3,147 |
| Net charge-offs to loans | 0.0323% | 981 |
| Credit loss provision to net charge-offs | 176.2632% | 815 |
| Earnings coverage of net charge-offs (x) | 57.2045% | 868 |
| Efficiency ratio | 64.6880% | 2,950 |
| Assets per employee ($millions) | 7.1213% | 1,908 |
| Cash dividends to net income (ytd only)* | 45.4485% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 1,343 |
| Loan loss allowance to noncurrent loans | 318.6478% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 1,827 |
| Noncurrent loans to loans | 0.4931% | 1,795 |
| Net loans and leases to total assets | 61.8612% | 1,879 |
| Net loans and leases to deposits | 73.7291% | 1,629 |
| Net loans and leases to core deposits | 75.2606% | 1,825 |
| Total domestic deposits to total assets | 83.9034% | 3,790 |
| Equity capital to assets | 14.2549% | 485 |
| Core capital (leverage) ratio | 10.0036% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0384% | 2,189 |
| Memoranda: | ||
| Average total assets | $16,824,747,000 | 114 |
| Average earning assets | $14,748,364,000 | 121 |
| Average equity | $2,440,379,000 | 98 |
| Average total loans | $10,534,185,000 | 112 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 2,999 |
| Cost of funding earning assets | 0.2095% | 3,374 |
| Net interest margin | 3.1625% | 2,698 |
| Noninterest income to average assets | 1.4457% | 535 |
| Noninterest expense to average assets | 2.7166% | 1,593 |
| Loan and lease loss provision to assets | -0.0105% | 4,173 |
| Net operating income to assets | 1.1823% | 1,980 |
| Return on assets (ROA) | 1.1930% | 2,003 |
| Pretax return on assets | 1.5185% | 1,656 |
| Return on Equity (ROE) | 7.9861% | 3,223 |
| Retained earnings to average equity (ytd only) | 4.5765% | 2,980 |
| Net charge-offs to loans | 0.0950% | 883 |
| Credit loss provision to net charge-offs | -16.5482% | 3,180 |
| Earnings coverage of net charge-offs (x) | 23.1223% | 1,785 |
| Efficiency ratio | 63.6099% | 2,624 |
| Assets per employee ($millions) | 6.8825% | 2,004 |
| Cash dividends to net income (ytd only)* | 42.6943% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,336 |
| Loan loss allowance to noncurrent loans | 323.1395% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,963 |
| Noncurrent loans to loans | 0.4850% | 1,916 |
| Net loans and leases to total assets | 61.3953% | 2,017 |
| Net loans and leases to deposits | 73.1833% | 1,798 |
| Net loans and leases to core deposits | 74.8701% | 2,010 |
| Total domestic deposits to total assets | 83.8925% | 3,593 |
| Equity capital to assets | 14.7554% | 531 |
| Core capital (leverage) ratio | 10.1771% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4448% | 2,070 |
| Memoranda: | ||
| Average total assets | $15,895,418,400 | 120 |
| Average earning assets | $13,898,596,200 | 121 |
| Average equity | $2,374,614,800 | 101 |
| Average total loans | $10,816,833,400 | 109 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 2,903 |
| Cost of funding earning assets | 0.2242% | 3,383 |
| Net interest margin | 3.2547% | 2,566 |
| Noninterest income to average assets | 1.5416% | 522 |
| Noninterest expense to average assets | 2.8108% | 1,317 |
| Loan and lease loss provision to assets | -0.0102% | 4,317 |
| Net operating income to assets | 1.2521% | 1,980 |
| Return on assets (ROA) | 1.2663% | 1,992 |
| Pretax return on assets | 1.5986% | 1,704 |
| Return on Equity (ROE) | 8.4488% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.6660% | 3,350 |
| Net charge-offs to loans | 0.0600% | 1,040 |
| Credit loss provision to net charge-offs | -24.4598% | 3,093 |
| Earnings coverage of net charge-offs (x) | 37.6229% | 1,408 |
| Efficiency ratio | 63.2592% | 2,502 |
| Assets per employee ($millions) | 6.6152% | 2,160 |
| Cash dividends to net income (ytd only)* | 44.7731% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 1,274 |
| Loan loss allowance to noncurrent loans | 299.6792% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,918 |
| Noncurrent loans to loans | 0.5419% | 1,964 |
| Net loans and leases to total assets | 63.8106% | 1,794 |
| Net loans and leases to deposits | 76.9574% | 1,578 |
| Net loans and leases to core deposits | 78.8842% | 1,829 |
| Total domestic deposits to total assets | 82.9168% | 3,726 |
| Equity capital to assets | 14.7020% | 597 |
| Core capital (leverage) ratio | 9.5846% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4790% | 2,554 |
| Memoranda: | ||
| Average total assets | $15,670,955,750 | 120 |
| Average earning assets | $13,672,226,500 | 123 |
| Average equity | $2,348,789,250 | 104 |
| Average total loans | $10,902,430,000 | 111 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5924% | 2,644 |
| Cost of funding earning assets | 0.2369% | 3,409 |
| Net interest margin | 3.3555% | 2,283 |
| Noninterest income to average assets | 1.6927% | 434 |
| Noninterest expense to average assets | 2.9288% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3457% | 1,723 |
| Return on assets (ROA) | 1.3597% | 1,758 |
| Pretax return on assets | 1.7042% | 1,468 |
| Return on Equity (ROE) | 9.0122% | 3,094 |
| Retained earnings to average equity (ytd only) | 6.2139% | 2,722 |
| Net charge-offs to loans | 0.0686% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 34.5227% | 1,241 |
| Efficiency ratio | 62.5792% | 2,649 |
| Assets per employee ($millions) | 6.5463% | 2,125 |
| Cash dividends to net income (ytd only)* | 31.0503% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,218 |
| Loan loss allowance to noncurrent loans | 304.8517% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 2,074 |
| Noncurrent loans to loans | 0.5335% | 2,071 |
| Net loans and leases to total assets | 65.1385% | 1,807 |
| Net loans and leases to deposits | 78.6942% | 1,558 |
| Net loans and leases to core deposits | 80.8364% | 1,820 |
| Total domestic deposits to total assets | 82.7742% | 3,754 |
| Equity capital to assets | 14.8230% | 560 |
| Core capital (leverage) ratio | 9.7005% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7822% | 2,440 |
| Memoranda: | ||
| Average total assets | $15,514,284,667 | 120 |
| Average earning assets | $13,513,939,333 | 124 |
| Average equity | $2,340,703,333 | 105 |
| Average total loans | $11,046,676,333 | 109 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 2,457 |
| Cost of funding earning assets | 0.2502% | 3,472 |
| Net interest margin | 3.4153% | 2,069 |
| Noninterest income to average assets | 2.1539% | 332 |
| Noninterest expense to average assets | 3.0833% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5777% | 1,166 |
| Return on assets (ROA) | 1.6058% | 1,167 |
| Pretax return on assets | 2.0779% | 830 |
| Return on Equity (ROE) | 10.5463% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.2564% | 2,495 |
| Net charge-offs to loans | 0.1078% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 25.6619% | 1,152 |
| Efficiency ratio | 59.3375% | 3,110 |
| Assets per employee ($millions) | 6.2483% | 2,370 |
| Cash dividends to net income (ytd only)* | 31.1950% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 1,436 |
| Loan loss allowance to noncurrent loans | 308.5393% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 2,214 |
| Noncurrent loans to loans | 0.5014% | 2,352 |
| Net loans and leases to total assets | 70.5296% | 1,224 |
| Net loans and leases to deposits | 85.6133% | 983 |
| Net loans and leases to core deposits | 88.1713% | 1,357 |
| Total domestic deposits to total assets | 82.3815% | 3,816 |
| Equity capital to assets | 14.9970% | 496 |
| Core capital (leverage) ratio | 9.9129% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7225% | 2,402 |
| Memoranda: | ||
| Average total assets | $15,268,596,000 | 121 |
| Average earning assets | $13,285,917,500 | 125 |
| Average equity | $2,324,796,000 | 105 |
| Average total loans | $11,270,914,000 | 107 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 2,670 |
| Cost of funding earning assets | 0.4756% | 3,114 |
| Net interest margin | 3.5430% | 2,333 |
| Noninterest income to average assets | 1.7008% | 437 |
| Noninterest expense to average assets | 3.3294% | 869 |
| Loan and lease loss provision to assets | 0.6044% | 330 |
| Net operating income to assets | 0.6577% | 3,567 |
| Return on assets (ROA) | 0.6580% | 3,691 |
| Pretax return on assets | 0.8231% | 3,571 |
| Return on Equity (ROE) | 4.1469% | 4,128 |
| Retained earnings to average equity (ytd only) | 0.5751% | 4,350 |
| Net charge-offs to loans | 0.0354% | 2,343 |
| Credit loss provision to net charge-offs | 2,215.1570% | 410 |
| Earnings coverage of net charge-offs (x) | 53.2281% | 1,141 |
| Efficiency ratio | 68.9542% | 2,105 |
| Assets per employee ($millions) | 5.9098% | 2,425 |
| Cash dividends to net income (ytd only)* | 86.1320% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 1,420 |
| Loan loss allowance to noncurrent loans | 317.5482% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 2,351 |
| Noncurrent loans to loans | 0.4887% | 2,502 |
| Net loans and leases to total assets | 74.9195% | 915 |
| Net loans and leases to deposits | 91.6953% | 801 |
| Net loans and leases to core deposits | 94.8941% | 1,187 |
| Total domestic deposits to total assets | 81.7049% | 3,728 |
| Equity capital to assets | 15.4644% | 491 |
| Core capital (leverage) ratio | 9.8300% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7216% | 2,350 |
| Memoranda: | ||
| Average total assets | $14,370,486,800 | 121 |
| Average earning assets | $12,393,960,800 | 122 |
| Average equity | $2,280,168,200 | 100 |
| Average total loans | $10,879,813,000 | 105 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 2,692 |
| Cost of funding earning assets | 0.5289% | 3,057 |
| Net interest margin | 3.5649% | 2,378 |
| Noninterest income to average assets | 1.6812% | 415 |
| Noninterest expense to average assets | 3.3258% | 871 |
| Loan and lease loss provision to assets | 0.7152% | 291 |
| Net operating income to assets | 0.5610% | 3,875 |
| Return on assets (ROA) | 0.5612% | 3,967 |
| Pretax return on assets | 0.7087% | 3,883 |
| Return on Equity (ROE) | 3.5136% | 4,287 |
| Retained earnings to average equity (ytd only) | -0.4642% | 4,550 |
| Net charge-offs to loans | 0.0359% | 2,115 |
| Credit loss provision to net charge-offs | 2,633.6668% | 386 |
| Earnings coverage of net charge-offs (x) | 52.4246% | 1,165 |
| Efficiency ratio | 68.9487% | 2,049 |
| Assets per employee ($millions) | 5.7944% | 2,456 |
| Cash dividends to net income (ytd only)* | 113.2123% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,493 |
| Loan loss allowance to noncurrent loans | 367.0583% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 2,689 |
| Noncurrent loans to loans | 0.3988% | 2,863 |
| Net loans and leases to total assets | 76.4980% | 1,034 |
| Net loans and leases to deposits | 93.8401% | 936 |
| Net loans and leases to core deposits | 97.5885% | 1,338 |
| Total domestic deposits to total assets | 81.5196% | 3,538 |
| Equity capital to assets | 15.4067% | 555 |
| Core capital (leverage) ratio | 9.6352% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5347% | 2,401 |
| Memoranda: | ||
| Average total assets | $14,234,016,500 | 121 |
| Average earning assets | $12,250,564,750 | 122 |
| Average equity | $2,273,528,000 | 101 |
| Average total loans | $10,761,911,750 | 106 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 2,720 |
| Cost of funding earning assets | 0.5963% | 2,985 |
| Net interest margin | 3.6158% | 2,433 |
| Noninterest income to average assets | 1.5180% | 452 |
| Noninterest expense to average assets | 3.3791% | 878 |
| Loan and lease loss provision to assets | 0.7581% | 339 |
| Net operating income to assets | 0.3845% | 4,263 |
| Return on assets (ROA) | 0.3848% | 4,324 |
| Pretax return on assets | 0.4866% | 4,273 |
| Return on Equity (ROE) | 2.3797% | 4,461 |
| Retained earnings to average equity (ytd only) | -2.1199% | 4,599 |
| Net charge-offs to loans | 0.0477% | 1,801 |
| Credit loss provision to net charge-offs | 2,122.3595% | 459 |
| Earnings coverage of net charge-offs (x) | 34.8326% | 1,338 |
| Efficiency ratio | 71.9393% | 1,690 |
| Assets per employee ($millions) | 5.8564% | 2,308 |
| Cash dividends to net income (ytd only)* | 189.0858% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,089 |
| Loan loss allowance to noncurrent loans | 329.6533% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 2,866 |
| Noncurrent loans to loans | 0.3890% | 3,010 |
| Net loans and leases to total assets | 75.2073% | 1,246 |
| Net loans and leases to deposits | 94.2792% | 936 |
| Net loans and leases to core deposits | 98.5170% | 1,369 |
| Total domestic deposits to total assets | 79.7708% | 3,885 |
| Equity capital to assets | 15.1983% | 590 |
| Core capital (leverage) ratio | 9.6186% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2984% | 2,483 |
| Memoranda: | ||
| Average total assets | $14,047,661,333 | 119 |
| Average earning assets | $12,064,752,333 | 122 |
| Average equity | $2,271,663,667 | 100 |
| Average total loans | $10,521,045,333 | 108 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,396 |
| Cost of funding earning assets | 0.7090% | 2,893 |
| Net interest margin | 3.7585% | 2,116 |
| Noninterest income to average assets | 1.1164% | 692 |
| Noninterest expense to average assets | 3.3809% | 1,100 |
| Loan and lease loss provision to assets | 0.7732% | 322 |
| Net operating income to assets | 0.1281% | 4,623 |
| Return on assets (ROA) | 0.1281% | 4,629 |
| Pretax return on assets | 0.1754% | 4,594 |
| Return on Equity (ROE) | 0.7673% | 4,654 |
| Retained earnings to average equity (ytd only) | -5.8041% | 4,576 |
| Net charge-offs to loans | 0.0321% | 1,748 |
| Credit loss provision to net charge-offs | 3,249.0752% | 242 |
| Earnings coverage of net charge-offs (x) | 39.8607% | 1,032 |
| Efficiency ratio | 76.8046% | 1,475 |
| Assets per employee ($millions) | 5.4731% | 2,150 |
| Cash dividends to net income (ytd only)* | 856.4690% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,797 |
| Loan loss allowance to noncurrent loans | 240.1971% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,780 |
| Noncurrent loans to loans | 0.4897% | 2,798 |
| Net loans and leases to total assets | 72.7816% | 1,806 |
| Net loans and leases to deposits | 96.7793% | 838 |
| Net loans and leases to core deposits | 102.0082% | 1,320 |
| Total domestic deposits to total assets | 75.2037% | 4,564 |
| Equity capital to assets | 16.2229% | 544 |
| Core capital (leverage) ratio | 10.4591% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0270% | 2,683 |
| Memoranda: | ||
| Average total assets | $13,630,948,000 | 119 |
| Average earning assets | $11,653,195,500 | 123 |
| Average equity | $2,276,660,500 | 99 |
| Average total loans | $10,113,042,500 | 112 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,814 |
| Cost of funding earning assets | 0.7688% | 2,832 |
| Net interest margin | 4.1109% | 1,512 |
| Noninterest income to average assets | 1.1702% | 687 |
| Noninterest expense to average assets | 2.8518% | 2,434 |
| Loan and lease loss provision to assets | 0.0542% | 2,948 |
| Net operating income to assets | 1.3761% | 1,428 |
| Return on assets (ROA) | 1.3782% | 1,496 |
| Pretax return on assets | 1.7794% | 991 |
| Return on Equity (ROE) | 7.8311% | 3,233 |
| Retained earnings to average equity (ytd only) | 2.0416% | 3,983 |
| Net charge-offs to loans | 0.0407% | 2,577 |
| Credit loss provision to net charge-offs | 180.1226% | 1,453 |
| Earnings coverage of net charge-offs (x) | 60.8620% | 968 |
| Efficiency ratio | 59.5697% | 3,759 |
| Assets per employee ($millions) | 5.2978% | 2,252 |
| Cash dividends to net income (ytd only)* | 73.9291% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5212% | 4,866 |
| Loan loss allowance to noncurrent loans | 143.6099% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 3,099 |
| Noncurrent loans to loans | 0.3629% | 3,149 |
| Net loans and leases to total assets | 74.3658% | 1,689 |
| Net loans and leases to deposits | 97.2355% | 822 |
| Net loans and leases to core deposits | 102.9323% | 1,320 |
| Total domestic deposits to total assets | 76.4801% | 4,549 |
| Equity capital to assets | 17.1993% | 444 |
| Core capital (leverage) ratio | 10.9546% | 2,538 |
| Tier 1 risk-based capital ratio | 12.8144% | 3,888 |
| Total risk-based capital ratio | 13.3604% | 4,183 |
| Memoranda: | ||
| Average total assets | $13,010,327,000 | 118 |
| Average earning assets | $11,116,559,400 | 123 |
| Average equity | $2,289,722,000 | 91 |
| Average total loans | $9,625,995,200 | 112 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,682 |
| Cost of funding earning assets | 0.7755% | 2,843 |
| Net interest margin | 4.1727% | 1,439 |
| Noninterest income to average assets | 1.1837% | 655 |
| Noninterest expense to average assets | 2.8486% | 2,410 |
| Loan and lease loss provision to assets | 0.0423% | 3,054 |
| Net operating income to assets | 1.4247% | 1,397 |
| Return on assets (ROA) | 1.4276% | 1,446 |
| Pretax return on assets | 1.8596% | 963 |
| Return on Equity (ROE) | 8.0640% | 3,276 |
| Retained earnings to average equity (ytd only) | 2.5735% | 4,061 |
| Net charge-offs to loans | 0.0323% | 2,426 |
| Credit loss provision to net charge-offs | 177.3356% | 1,444 |
| Earnings coverage of net charge-offs (x) | 79.5398% | 864 |
| Efficiency ratio | 58.6700% | 3,841 |
| Assets per employee ($millions) | 5.1854% | 2,359 |
| Cash dividends to net income (ytd only)* | 68.0869% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5235% | 4,939 |
| Loan loss allowance to noncurrent loans | 140.3120% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 3,158 |
| Noncurrent loans to loans | 0.3731% | 3,222 |
| Net loans and leases to total assets | 74.1548% | 1,782 |
| Net loans and leases to deposits | 93.6881% | 1,248 |
| Net loans and leases to core deposits | 99.6256% | 1,689 |
| Total domestic deposits to total assets | 79.1507% | 4,152 |
| Equity capital to assets | 17.6767% | 419 |
| Core capital (leverage) ratio | 11.1973% | 2,472 |
| Tier 1 risk-based capital ratio | 13.1455% | 3,765 |
| Total risk-based capital ratio | 13.6997% | 4,057 |
| Memoranda: | ||
| Average total assets | $12,916,025,500 | 118 |
| Average earning assets | $11,029,515,750 | 123 |
| Average equity | $2,286,511,250 | 92 |
| Average total loans | $9,530,516,500 | 113 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 1,503 |
| Cost of funding earning assets | 0.7642% | 2,830 |
| Net interest margin | 4.2294% | 1,289 |
| Noninterest income to average assets | 1.2091% | 585 |
| Noninterest expense to average assets | 2.8085% | 2,551 |
| Loan and lease loss provision to assets | 0.0373% | 3,069 |
| Net operating income to assets | 1.5180% | 1,098 |
| Return on assets (ROA) | 1.5180% | 1,145 |
| Pretax return on assets | 1.9783% | 703 |
| Return on Equity (ROE) | 8.5709% | 3,040 |
| Retained earnings to average equity (ytd only) | 6.0085% | 2,280 |
| Net charge-offs to loans | 0.0289% | 2,278 |
| Credit loss provision to net charge-offs | 175.5669% | 1,332 |
| Earnings coverage of net charge-offs (x) | 94.9598% | 723 |
| Efficiency ratio | 56.8793% | 4,143 |
| Assets per employee ($millions) | 5.2438% | 2,212 |
| Cash dividends to net income (ytd only)* | 29.8964% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 4,983 |
| Loan loss allowance to noncurrent loans | 149.9670% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,227 |
| Noncurrent loans to loans | 0.3508% | 3,298 |
| Net loans and leases to total assets | 73.4984% | 1,962 |
| Net loans and leases to deposits | 92.6108% | 1,425 |
| Net loans and leases to core deposits | 98.8158% | 1,822 |
| Total domestic deposits to total assets | 79.3626% | 4,150 |
| Equity capital to assets | 18.0593% | 376 |
| Core capital (leverage) ratio | 11.5046% | 2,162 |
| Tier 1 risk-based capital ratio | 13.7070% | 3,479 |
| Total risk-based capital ratio | 14.2483% | 3,745 |
| Memoranda: | ||
| Average total assets | $12,881,158,670 | 119 |
| Average earning assets | $11,009,767,000 | 124 |
| Average equity | $2,281,474,670 | 89 |
| Average total loans | $9,471,944,670 | 114 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,388 |
| Cost of funding earning assets | 0.7441% | 2,814 |
| Net interest margin | 4.2351% | 1,228 |
| Noninterest income to average assets | 1.0984% | 670 |
| Noninterest expense to average assets | 2.7275% | 2,820 |
| Loan and lease loss provision to assets | 0.0466% | 2,717 |
| Net operating income to assets | 1.4906% | 1,133 |
| Return on assets (ROA) | 1.4909% | 1,159 |
| Pretax return on assets | 1.9444% | 713 |
| Return on Equity (ROE) | 8.5010% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.9441% | 2,474 |
| Net charge-offs to loans | 0.0292% | 1,873 |
| Credit loss provision to net charge-offs | 217.0767% | 998 |
| Earnings coverage of net charge-offs (x) | 92.7771% | 701 |
| Efficiency ratio | 56.4205% | 4,275 |
| Assets per employee ($millions) | 5.4172% | 2,060 |
| Cash dividends to net income (ytd only)* | 30.0775% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5298% | 5,047 |
| Loan loss allowance to noncurrent loans | 184.8274% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 3,448 |
| Noncurrent loans to loans | 0.2867% | 3,534 |
| Net loans and leases to total assets | 72.8146% | 2,019 |
| Net loans and leases to deposits | 90.7453% | 1,535 |
| Net loans and leases to core deposits | 96.9779% | 1,857 |
| Total domestic deposits to total assets | 80.2407% | 4,130 |
| Equity capital to assets | 17.7569% | 366 |
| Core capital (leverage) ratio | 11.1978% | 2,394 |
| Tier 1 risk-based capital ratio | 13.4540% | 3,630 |
| Total risk-based capital ratio | 14.0080% | 3,903 |
| Memoranda: | ||
| Average total assets | $12,882,384,000 | 117 |
| Average earning assets | $11,010,250,500 | 123 |
| Average equity | $2,259,308,000 | 90 |
| Average total loans | $9,450,067,000 | 113 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 1,631 |
| Cost of funding earning assets | 0.5521% | 3,035 |
| Net interest margin | 4.2100% | 1,368 |
| Noninterest income to average assets | 1.2634% | 587 |
| Noninterest expense to average assets | 3.0352% | 1,977 |
| Loan and lease loss provision to assets | 0.0606% | 2,950 |
| Net operating income to assets | 1.3971% | 1,443 |
| Return on assets (ROA) | 1.3970% | 1,433 |
| Pretax return on assets | 1.7997% | 919 |
| Return on Equity (ROE) | 8.3872% | 3,277 |
| Retained earnings to average equity (ytd only) | 5.5356% | 2,462 |
| Net charge-offs to loans | 0.0468% | 2,500 |
| Credit loss provision to net charge-offs | 170.4631% | 1,636 |
| Earnings coverage of net charge-offs (x) | 52.3344% | 1,101 |
| Efficiency ratio | 60.6938% | 3,747 |
| Assets per employee ($millions) | 5.4749% | 1,979 |
| Cash dividends to net income (ytd only)* | 33.9994% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 5,102 |
| Loan loss allowance to noncurrent loans | 188.7721% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,435 |
| Noncurrent loans to loans | 0.2736% | 3,593 |
| Net loans and leases to total assets | 73.1302% | 2,074 |
| Net loans and leases to deposits | 92.8756% | 1,409 |
| Net loans and leases to core deposits | 99.2913% | 1,777 |
| Total domestic deposits to total assets | 78.7399% | 4,360 |
| Equity capital to assets | 17.3202% | 393 |
| Core capital (leverage) ratio | 10.8755% | 2,651 |
| Tier 1 risk-based capital ratio | 13.0191% | 3,837 |
| Total risk-based capital ratio | 13.5762% | 4,107 |
| Memoranda: | ||
| Average total assets | $11,238,136,200 | 125 |
| Average earning assets | $9,696,035,400 | 129 |
| Average equity | $1,871,896,400 | 102 |
| Average total loans | $8,544,668,400 | 119 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 1,909 |
| Cost of funding earning assets | 0.5030% | 3,179 |
| Net interest margin | 4.1243% | 1,559 |
| Noninterest income to average assets | 1.3280% | 539 |
| Noninterest expense to average assets | 3.0861% | 1,795 |
| Loan and lease loss provision to assets | 0.0716% | 2,529 |
| Net operating income to assets | 1.3525% | 1,655 |
| Return on assets (ROA) | 1.3523% | 1,665 |
| Pretax return on assets | 1.7363% | 1,190 |
| Return on Equity (ROE) | 8.2166% | 3,459 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,883 |
| Net charge-offs to loans | 0.0547% | 2,035 |
| Credit loss provision to net charge-offs | 170.3313% | 1,565 |
| Earnings coverage of net charge-offs (x) | 43.0126% | 1,294 |
| Efficiency ratio | 61.7945% | 3,543 |
| Assets per employee ($millions) | 5.3366% | 2,088 |
| Cash dividends to net income (ytd only)* | 31.7516% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5071% | 5,180 |
| Loan loss allowance to noncurrent loans | 185.0400% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 3,473 |
| Noncurrent loans to loans | 0.2741% | 3,702 |
| Net loans and leases to total assets | 74.9620% | 1,820 |
| Net loans and leases to deposits | 93.3957% | 1,452 |
| Net loans and leases to core deposits | 100.0013% | 1,797 |
| Total domestic deposits to total assets | 80.2628% | 4,052 |
| Equity capital to assets | 17.2985% | 400 |
| Core capital (leverage) ratio | 10.6013% | 2,978 |
| Tier 1 risk-based capital ratio | 12.7451% | 4,055 |
| Total risk-based capital ratio | 13.2969% | 4,363 |
| Memoranda: | ||
| Average total assets | $10,818,875,750 | 127 |
| Average earning assets | $9,354,828,000 | 129 |
| Average equity | $1,780,637,500 | 106 |
| Average total loans | $8,307,356,500 | 121 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,545 |
| Cost of funding earning assets | 0.4514% | 3,347 |
| Net interest margin | 4.2310% | 1,210 |
| Noninterest income to average assets | 1.3684% | 510 |
| Noninterest expense to average assets | 3.0649% | 1,876 |
| Loan and lease loss provision to assets | 0.0699% | 2,486 |
| Net operating income to assets | 1.4780% | 1,206 |
| Return on assets (ROA) | 1.4780% | 1,207 |
| Pretax return on assets | 1.9050% | 764 |
| Return on Equity (ROE) | 9.1749% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.8083% | 2,163 |
| Net charge-offs to loans | 0.0613% | 1,730 |
| Credit loss provision to net charge-offs | 147.3510% | 1,592 |
| Earnings coverage of net charge-offs (x) | 41.6254% | 1,259 |
| Efficiency ratio | 59.5489% | 4,002 |
| Assets per employee ($millions) | 4.8800% | 2,589 |
| Cash dividends to net income (ytd only)* | 25.7942% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5910% | 5,114 |
| Loan loss allowance to noncurrent loans | 223.7632% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 3,436 |
| Noncurrent loans to loans | 0.2641% | 3,762 |
| Net loans and leases to total assets | 75.6719% | 1,686 |
| Net loans and leases to deposits | 94.1594% | 1,338 |
| Net loans and leases to core deposits | 98.8120% | 1,829 |
| Total domestic deposits to total assets | 80.3657% | 4,164 |
| Equity capital to assets | 15.8139% | 533 |
| Core capital (leverage) ratio | 10.8928% | 2,620 |
| Tier 1 risk-based capital ratio | 13.0449% | 3,869 |
| Total risk-based capital ratio | 13.6636% | 4,133 |
| Memoranda: | ||
| Average total assets | $10,184,383,670 | 130 |
| Average earning assets | $8,837,327,670 | 134 |
| Average equity | $1,640,592,670 | 109 |
| Average total loans | $7,881,294,330 | 124 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 1,481 |
| Cost of funding earning assets | 0.3927% | 3,642 |
| Net interest margin | 4.2406% | 1,076 |
| Noninterest income to average assets | 1.3493% | 516 |
| Noninterest expense to average assets | 3.0884% | 1,857 |
| Loan and lease loss provision to assets | 0.0699% | 2,365 |
| Net operating income to assets | 1.4418% | 1,218 |
| Return on assets (ROA) | 1.4418% | 1,225 |
| Pretax return on assets | 1.8598% | 800 |
| Return on Equity (ROE) | 8.8649% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.5426% | 2,479 |
| Net charge-offs to loans | 0.0798% | 1,334 |
| Credit loss provision to net charge-offs | 112.1795% | 1,438 |
| Earnings coverage of net charge-offs (x) | 30.9660% | 1,220 |
| Efficiency ratio | 60.2315% | 4,034 |
| Assets per employee ($millions) | 4.8766% | 2,637 |
| Cash dividends to net income (ytd only)* | 26.1962% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 5,209 |
| Loan loss allowance to noncurrent loans | 202.5183% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,369 |
| Noncurrent loans to loans | 0.2899% | 3,734 |
| Net loans and leases to total assets | 76.8597% | 1,406 |
| Net loans and leases to deposits | 93.1885% | 1,314 |
| Net loans and leases to core deposits | 104.5655% | 1,341 |
| Total domestic deposits to total assets | 82.4776% | 3,819 |
| Equity capital to assets | 16.0270% | 481 |
| Core capital (leverage) ratio | 10.8778% | 2,559 |
| Tier 1 risk-based capital ratio | 12.7103% | 4,107 |
| Total risk-based capital ratio | 13.3341% | 4,393 |
| Memoranda: | ||
| Average total assets | $10,013,492,000 | 129 |
| Average earning assets | $8,663,255,000 | 136 |
| Average equity | $1,628,589,000 | 110 |
| Average total loans | $7,815,590,000 | 125 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,283 |
| Cost of funding earning assets | 0.3428% | 3,772 |
| Net interest margin | 4.3180% | 926 |
| Noninterest income to average assets | 1.4104% | 532 |
| Noninterest expense to average assets | 3.2196% | 1,565 |
| Loan and lease loss provision to assets | 0.0814% | 2,572 |
| Net operating income to assets | 1.0808% | 1,929 |
| Return on assets (ROA) | 1.0819% | 1,945 |
| Pretax return on assets | 1.8518% | 686 |
| Return on Equity (ROE) | 6.9506% | 3,304 |
| Retained earnings to average equity (ytd only) | 4.5677% | 2,415 |
| Net charge-offs to loans | 0.0586% | 2,639 |
| Credit loss provision to net charge-offs | 185.2306% | 1,465 |
| Earnings coverage of net charge-offs (x) | 43.9723% | 1,189 |
| Efficiency ratio | 61.1367% | 4,091 |
| Assets per employee ($millions) | 4.6649% | 2,925 |
| Cash dividends to net income (ytd only)* | 34.2833% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 5,253 |
| Loan loss allowance to noncurrent loans | 197.3143% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 3,256 |
| Noncurrent loans to loans | 0.3030% | 3,697 |
| Net loans and leases to total assets | 78.3475% | 1,241 |
| Net loans and leases to deposits | 96.0391% | 1,083 |
| Net loans and leases to core deposits | 103.2209% | 1,471 |
| Total domestic deposits to total assets | 81.5788% | 3,977 |
| Equity capital to assets | 16.5109% | 453 |
| Core capital (leverage) ratio | 10.4165% | 2,948 |
| Tier 1 risk-based capital ratio | 12.6905% | 4,095 |
| Total risk-based capital ratio | 13.3250% | 4,373 |
| Memoranda: | ||
| Average total assets | $9,279,157,800 | 132 |
| Average earning assets | $8,038,863,400 | 139 |
| Average equity | $1,444,293,400 | 112 |
| Average total loans | $6,952,587,600 | 129 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 1,545 |
| Cost of funding earning assets | 0.3165% | 3,967 |
| Net interest margin | 4.2201% | 1,105 |
| Noninterest income to average assets | 1.4410% | 516 |
| Noninterest expense to average assets | 3.2473% | 1,465 |
| Loan and lease loss provision to assets | 0.0787% | 2,512 |
| Net operating income to assets | 1.1812% | 1,771 |
| Return on assets (ROA) | 1.1817% | 1,815 |
| Pretax return on assets | 1.7780% | 929 |
| Return on Equity (ROE) | 7.7180% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.3378% | 2,657 |
| Net charge-offs to loans | 0.0711% | 2,111 |
| Credit loss provision to net charge-offs | 149.7504% | 1,698 |
| Earnings coverage of net charge-offs (x) | 35.3103% | 1,416 |
| Efficiency ratio | 62.2557% | 3,840 |
| Assets per employee ($millions) | 4.9012% | 2,572 |
| Cash dividends to net income (ytd only)* | 30.8398% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5817% | 5,359 |
| Loan loss allowance to noncurrent loans | 174.7547% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 3,341 |
| Noncurrent loans to loans | 0.3328% | 3,757 |
| Net loans and leases to total assets | 73.8806% | 1,934 |
| Net loans and leases to deposits | 92.8848% | 1,436 |
| Net loans and leases to core deposits | 103.7471% | 1,404 |
| Total domestic deposits to total assets | 79.5399% | 4,427 |
| Equity capital to assets | 15.6750% | 604 |
| Core capital (leverage) ratio | 10.2781% | 3,227 |
| Tier 1 risk-based capital ratio | 12.5406% | 4,293 |
| Total risk-based capital ratio | 13.1531% | 4,575 |
| Memoranda: | ||
| Average total assets | $9,147,552,250 | 136 |
| Average earning assets | $7,938,291,000 | 144 |
| Average equity | $1,400,618,750 | 115 |
| Average total loans | $6,758,575,000 | 131 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 1,677 |
| Cost of funding earning assets | 0.2850% | 4,235 |
| Net interest margin | 4.1620% | 1,165 |
| Noninterest income to average assets | 1.4949% | 484 |
| Noninterest expense to average assets | 3.2576% | 1,451 |
| Loan and lease loss provision to assets | 0.0742% | 2,488 |
| Net operating income to assets | 1.2019% | 1,593 |
| Return on assets (ROA) | 1.2019% | 1,626 |
| Pretax return on assets | 1.7825% | 877 |
| Return on Equity (ROE) | 7.9237% | 3,075 |
| Retained earnings to average equity (ytd only) | 5.5060% | 2,402 |
| Net charge-offs to loans | 0.0569% | 2,121 |
| Credit loss provision to net charge-offs | 176.8226% | 1,370 |
| Earnings coverage of net charge-offs (x) | 44.2579% | 1,173 |
| Efficiency ratio | 62.3323% | 3,934 |
| Assets per employee ($millions) | 4.4610% | 3,175 |
| Cash dividends to net income (ytd only)* | 30.5121% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 5,267 |
| Loan loss allowance to noncurrent loans | 165.0368% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 3,011 |
| Noncurrent loans to loans | 0.4051% | 3,574 |
| Net loans and leases to total assets | 74.0353% | 1,859 |
| Net loans and leases to deposits | 90.0812% | 1,717 |
| Net loans and leases to core deposits | 96.6493% | 1,915 |
| Total domestic deposits to total assets | 82.1873% | 3,833 |
| Equity capital to assets | 15.3342% | 647 |
| Core capital (leverage) ratio | 10.7485% | 2,655 |
| Tier 1 risk-based capital ratio | 12.9273% | 4,048 |
| Total risk-based capital ratio | 13.6361% | 4,253 |
| Memoranda: | ||
| Average total assets | $8,762,650,330 | 144 |
| Average earning assets | $7,620,172,330 | 150 |
| Average equity | $1,329,199,330 | 120 |
| Average total loans | $6,459,468,000 | 133 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 1,893 |
| Cost of funding earning assets | 0.2817% | 4,239 |
| Net interest margin | 4.0423% | 1,364 |
| Noninterest income to average assets | 1.4568% | 508 |
| Noninterest expense to average assets | 3.1398% | 1,765 |
| Loan and lease loss provision to assets | 0.0689% | 2,436 |
| Net operating income to assets | 1.1883% | 1,530 |
| Return on assets (ROA) | 1.1883% | 1,574 |
| Pretax return on assets | 1.7614% | 881 |
| Return on Equity (ROE) | 7.8772% | 2,980 |
| Retained earnings to average equity (ytd only) | 5.4338% | 2,641 |
| Net charge-offs to loans | 0.0823% | 1,523 |
| Credit loss provision to net charge-offs | 114.1553% | 1,450 |
| Earnings coverage of net charge-offs (x) | 30.3440% | 1,213 |
| Efficiency ratio | 61.7310% | 4,191 |
| Assets per employee ($millions) | 4.5021% | 3,165 |
| Cash dividends to net income (ytd only)* | 31.0194% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 5,364 |
| Loan loss allowance to noncurrent loans | 121.9507% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 2,428 |
| Noncurrent loans to loans | 0.5504% | 3,163 |
| Net loans and leases to total assets | 72.5708% | 1,995 |
| Net loans and leases to deposits | 86.8695% | 1,930 |
| Net loans and leases to core deposits | 93.5079% | 2,023 |
| Total domestic deposits to total assets | 83.5400% | 3,641 |
| Equity capital to assets | 15.2803% | 600 |
| Core capital (leverage) ratio | 10.4586% | 2,949 |
| Tier 1 risk-based capital ratio | 12.9984% | 4,082 |
| Total risk-based capital ratio | 13.7088% | 4,314 |
| Memoranda: | ||
| Average total assets | $8,714,156,500 | 143 |
| Average earning assets | $7,573,656,000 | 149 |
| Average equity | $1,314,522,000 | 119 |
| Average total loans | $6,387,499,500 | 134 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,341 |
| Cost of funding earning assets | 0.2912% | 4,160 |
| Net interest margin | 4.2839% | 956 |
| Noninterest income to average assets | 1.5999% | 478 |
| Noninterest expense to average assets | 3.4834% | 1,199 |
| Loan and lease loss provision to assets | 0.0902% | 2,558 |
| Net operating income to assets | 1.1422% | 1,721 |
| Return on assets (ROA) | 1.1422% | 1,817 |
| Pretax return on assets | 1.7142% | 966 |
| Return on Equity (ROE) | 8.0596% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.5456% | 1,986 |
| Net charge-offs to loans | 0.1188% | 2,067 |
| Credit loss provision to net charge-offs | 104.1494% | 2,489 |
| Earnings coverage of net charge-offs (x) | 20.8286% | 1,834 |
| Efficiency ratio | 64.3465% | 3,878 |
| Assets per employee ($millions) | 4.4176% | 3,240 |
| Cash dividends to net income (ytd only)* | 31.1926% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6698% | 5,413 |
| Loan loss allowance to noncurrent loans | 120.3418% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 2,382 |
| Noncurrent loans to loans | 0.5566% | 3,176 |
| Net loans and leases to total assets | 73.0118% | 2,013 |
| Net loans and leases to deposits | 88.3041% | 1,885 |
| Net loans and leases to core deposits | 94.8784% | 2,020 |
| Total domestic deposits to total assets | 82.6822% | 3,867 |
| Equity capital to assets | 14.8802% | 660 |
| Core capital (leverage) ratio | 10.1973% | 3,226 |
| Tier 1 risk-based capital ratio | 12.3714% | 4,462 |
| Total risk-based capital ratio | 13.0772% | 4,739 |
| Memoranda: | ||
| Average total assets | $8,345,576,400 | 139 |
| Average earning assets | $7,184,626,800 | 146 |
| Average equity | $1,182,736,400 | 128 |
| Average total loans | $6,085,559,000 | 130 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,388 |
| Cost of funding earning assets | 0.2969% | 4,137 |
| Net interest margin | 4.2614% | 1,002 |
| Noninterest income to average assets | 1.6759% | 440 |
| Noninterest expense to average assets | 3.5552% | 1,059 |
| Loan and lease loss provision to assets | 0.0949% | 2,327 |
| Net operating income to assets | 1.1261% | 1,891 |
| Return on assets (ROA) | 1.1261% | 2,006 |
| Pretax return on assets | 1.6901% | 1,140 |
| Return on Equity (ROE) | 8.0516% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.5006% | 2,480 |
| Net charge-offs to loans | 0.0531% | 2,602 |
| Credit loss provision to net charge-offs | 245.7167% | 1,213 |
| Earnings coverage of net charge-offs (x) | 46.2210% | 1,134 |
| Efficiency ratio | 65.0263% | 3,759 |
| Assets per employee ($millions) | 4.3272% | 3,371 |
| Cash dividends to net income (ytd only)* | 31.6829% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 5,363 |
| Loan loss allowance to noncurrent loans | 109.5855% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 2,269 |
| Noncurrent loans to loans | 0.6657% | 3,039 |
| Net loans and leases to total assets | 73.3458% | 1,977 |
| Net loans and leases to deposits | 90.2740% | 1,717 |
| Net loans and leases to core deposits | 96.9385% | 1,908 |
| Total domestic deposits to total assets | 81.2480% | 4,183 |
| Equity capital to assets | 14.1942% | 970 |
| Core capital (leverage) ratio | 9.0810% | 4,743 |
| Tier 1 risk-based capital ratio | 11.1930% | 5,260 |
| Total risk-based capital ratio | 11.9623% | 5,426 |
| Memoranda: | ||
| Average total assets | $8,261,827,750 | 140 |
| Average earning assets | $7,104,133,250 | 145 |
| Average equity | $1,155,499,000 | 127 |
| Average total loans | $6,011,805,000 | 133 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,372 |
| Cost of funding earning assets | 0.2971% | 4,166 |
| Net interest margin | 4.2573% | 1,006 |
| Noninterest income to average assets | 1.6288% | 468 |
| Noninterest expense to average assets | 3.5525% | 1,078 |
| Loan and lease loss provision to assets | 0.0790% | 2,566 |
| Net operating income to assets | 1.1059% | 1,937 |
| Return on assets (ROA) | 1.1059% | 2,062 |
| Pretax return on assets | 1.6530% | 1,213 |
| Return on Equity (ROE) | 7.9486% | 3,004 |
| Retained earnings to average equity (ytd only) | 5.3996% | 2,490 |
| Net charge-offs to loans | 0.0530% | 2,444 |
| Credit loss provision to net charge-offs | 205.8636% | 1,272 |
| Earnings coverage of net charge-offs (x) | 45.1262% | 1,065 |
| Efficiency ratio | 65.6322% | 3,741 |
| Assets per employee ($millions) | 4.2984% | 3,372 |
| Cash dividends to net income (ytd only)* | 32.0688% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 5,505 |
| Loan loss allowance to noncurrent loans | 102.2728% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 2,222 |
| Noncurrent loans to loans | 0.6907% | 3,009 |
| Net loans and leases to total assets | 72.8991% | 2,025 |
| Net loans and leases to deposits | 92.4083% | 1,462 |
| Net loans and leases to core deposits | 98.7704% | 1,747 |
| Total domestic deposits to total assets | 78.8881% | 4,809 |
| Equity capital to assets | 14.0096% | 1,024 |
| Core capital (leverage) ratio | 8.8742% | 4,969 |
| Tier 1 risk-based capital ratio | 11.1738% | 5,329 |
| Total risk-based capital ratio | 11.9331% | 5,507 |
| Memoranda: | ||
| Average total assets | $8,175,674,670 | 141 |
| Average earning assets | $7,020,274,670 | 147 |
| Average equity | $1,137,535,330 | 128 |
| Average total loans | $5,917,340,670 | 134 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 1,661 |
| Cost of funding earning assets | 0.2858% | 4,320 |
| Net interest margin | 4.1611% | 1,190 |
| Noninterest income to average assets | 1.6586% | 435 |
| Noninterest expense to average assets | 3.4623% | 1,255 |
| Loan and lease loss provision to assets | 0.0899% | 2,181 |
| Net operating income to assets | 1.1104% | 1,862 |
| Return on assets (ROA) | 1.1104% | 1,964 |
| Pretax return on assets | 1.6680% | 1,133 |
| Return on Equity (ROE) | 8.0102% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.5283% | 2,625 |
| Net charge-offs to loans | 0.0958% | 1,557 |
| Credit loss provision to net charge-offs | 130.6241% | 1,362 |
| Earnings coverage of net charge-offs (x) | 25.5530% | 1,291 |
| Efficiency ratio | 64.7020% | 4,019 |
| Assets per employee ($millions) | 4.0922% | 3,785 |
| Cash dividends to net income (ytd only)* | 30.9850% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 5,541 |
| Loan loss allowance to noncurrent loans | 96.5141% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 2,049 |
| Noncurrent loans to loans | 0.7564% | 2,943 |
| Net loans and leases to total assets | 71.7495% | 2,078 |
| Net loans and leases to deposits | 90.5324% | 1,514 |
| Net loans and leases to core deposits | 96.5149% | 1,746 |
| Total domestic deposits to total assets | 79.2528% | 4,912 |
| Equity capital to assets | 13.7865% | 1,057 |
| Core capital (leverage) ratio | 8.8620% | 5,011 |
| Tier 1 risk-based capital ratio | 10.9764% | 5,515 |
| Total risk-based capital ratio | 11.7581% | 5,660 |
| Memoranda: | ||
| Average total assets | $8,012,353,000 | 144 |
| Average earning assets | $6,857,740,000 | 150 |
| Average equity | $1,110,731,000 | 131 |
| Average total loans | $5,754,905,500 | 137 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,408 |
| Cost of funding earning assets | 0.2834% | 4,439 |
| Net interest margin | 4.2882% | 983 |
| Noninterest income to average assets | 1.6105% | 497 |
| Noninterest expense to average assets | 3.6431% | 1,051 |
| Loan and lease loss provision to assets | 0.0712% | 2,849 |
| Net operating income to assets | 1.0781% | 2,013 |
| Return on assets (ROA) | 1.0791% | 2,079 |
| Pretax return on assets | 1.5929% | 1,263 |
| Return on Equity (ROE) | 7.8252% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.1556% | 2,311 |
| Net charge-offs to loans | 0.0981% | 2,439 |
| Credit loss provision to net charge-offs | 103.2160% | 2,431 |
| Earnings coverage of net charge-offs (x) | 24.1006% | 1,696 |
| Efficiency ratio | 66.9488% | 3,760 |
| Assets per employee ($millions) | 3.9672% | 3,996 |
| Cash dividends to net income (ytd only)* | 34.1150% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 5,530 |
| Loan loss allowance to noncurrent loans | 93.4201% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 1,887 |
| Noncurrent loans to loans | 0.8056% | 2,770 |
| Net loans and leases to total assets | 70.6728% | 2,269 |
| Net loans and leases to deposits | 89.8616% | 1,630 |
| Net loans and leases to core deposits | 93.7841% | 2,066 |
| Total domestic deposits to total assets | 78.6463% | 5,042 |
| Equity capital to assets | 14.0094% | 926 |
| Core capital (leverage) ratio | 8.8202% | 5,088 |
| Tier 1 risk-based capital ratio | 11.0786% | 5,477 |
| Total risk-based capital ratio | 11.8696% | 5,639 |
| Memoranda: | ||
| Average total assets | $6,670,789,800 | 160 |
| Average earning assets | $5,748,332,200 | 161 |
| Average equity | $919,927,400 | 147 |
| Average total loans | $4,689,905,400 | 159 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 1,654 |
| Cost of funding earning assets | 0.2960% | 4,382 |
| Net interest margin | 4.1857% | 1,195 |
| Noninterest income to average assets | 1.5931% | 499 |
| Noninterest expense to average assets | 3.6193% | 1,085 |
| Loan and lease loss provision to assets | 0.0629% | 2,926 |
| Net operating income to assets | 1.0425% | 2,259 |
| Return on assets (ROA) | 1.0439% | 2,341 |
| Pretax return on assets | 1.5361% | 1,584 |
| Return on Equity (ROE) | 7.6072% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.9055% | 2,982 |
| Net charge-offs to loans | 0.0970% | 2,182 |
| Credit loss provision to net charge-offs | 92.6498% | 2,431 |
| Earnings coverage of net charge-offs (x) | 23.5222% | 1,729 |
| Efficiency ratio | 67.6493% | 3,605 |
| Assets per employee ($millions) | 3.9593% | 3,954 |
| Cash dividends to net income (ytd only)* | 35.5147% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 5,623 |
| Loan loss allowance to noncurrent loans | 89.0892% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 1,997 |
| Noncurrent loans to loans | 0.8435% | 2,861 |
| Net loans and leases to total assets | 70.2749% | 2,350 |
| Net loans and leases to deposits | 88.9553% | 1,775 |
| Net loans and leases to core deposits | 93.0056% | 2,171 |
| Total domestic deposits to total assets | 79.0003% | 4,977 |
| Equity capital to assets | 13.9004% | 1,065 |
| Core capital (leverage) ratio | 8.7465% | 5,302 |
| Tier 1 risk-based capital ratio | 11.0243% | 5,648 |
| Total risk-based capital ratio | 11.8241% | 5,783 |
| Memoranda: | ||
| Average total assets | $6,358,843,250 | 165 |
| Average earning assets | $5,504,341,500 | 167 |
| Average equity | $872,572,250 | 153 |
| Average total loans | $4,452,702,750 | 167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,001 |
| Cost of funding earning assets | 0.3103% | 4,275 |
| Net interest margin | 4.0430% | 1,514 |
| Noninterest income to average assets | 1.4989% | 567 |
| Noninterest expense to average assets | 3.3305% | 1,628 |
| Loan and lease loss provision to assets | 0.0770% | 2,583 |
| Net operating income to assets | 1.1016% | 1,949 |
| Return on assets (ROA) | 1.1038% | 2,027 |
| Pretax return on assets | 1.6136% | 1,291 |
| Return on Equity (ROE) | 8.0914% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.3822% | 2,614 |
| Net charge-offs to loans | 0.1302% | 1,717 |
| Credit loss provision to net charge-offs | 84.8736% | 2,278 |
| Earnings coverage of net charge-offs (x) | 18.5990% | 1,799 |
| Efficiency ratio | 64.6589% | 4,245 |
| Assets per employee ($millions) | 3.9934% | 3,898 |
| Cash dividends to net income (ytd only)* | 33.4832% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 4,817 |
| Loan loss allowance to noncurrent loans | 94.6493% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 1,813 |
| Noncurrent loans to loans | 1.0676% | 2,511 |
| Net loans and leases to total assets | 69.7568% | 2,355 |
| Net loans and leases to deposits | 83.8376% | 2,329 |
| Net loans and leases to core deposits | 87.2939% | 2,631 |
| Total domestic deposits to total assets | 83.2047% | 3,871 |
| Equity capital to assets | 13.7098% | 1,086 |
| Core capital (leverage) ratio | 9.6336% | 4,095 |
| Tier 1 risk-based capital ratio | 12.1974% | 5,005 |
| Total risk-based capital ratio | 13.2107% | 5,078 |
| Memoranda: | ||
| Average total assets | $5,844,236,670 | 174 |
| Average earning assets | $5,086,671,670 | 178 |
| Average equity | $797,262,330 | 158 |
| Average total loans | $4,071,723,330 | 175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,168 |
| Cost of funding earning assets | 0.3218% | 4,201 |
| Net interest margin | 3.9562% | 1,699 |
| Noninterest income to average assets | 1.4948% | 542 |
| Noninterest expense to average assets | 3.2328% | 1,894 |
| Loan and lease loss provision to assets | 0.0738% | 2,466 |
| Net operating income to assets | 1.1065% | 1,846 |
| Return on assets (ROA) | 1.1065% | 1,952 |
| Pretax return on assets | 1.6268% | 1,199 |
| Return on Equity (ROE) | 8.1316% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.4076% | 2,830 |
| Net charge-offs to loans | 0.1053% | 1,684 |
| Credit loss provision to net charge-offs | 101.2241% | 1,590 |
| Earnings coverage of net charge-offs (x) | 23.3202% | 1,326 |
| Efficiency ratio | 63.7539% | 4,515 |
| Assets per employee ($millions) | 4.0783% | 3,809 |
| Cash dividends to net income (ytd only)* | 33.4988% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 4,805 |
| Loan loss allowance to noncurrent loans | 87.7362% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 1,630 |
| Noncurrent loans to loans | 1.1886% | 2,393 |
| Net loans and leases to total assets | 68.4467% | 2,375 |
| Net loans and leases to deposits | 81.1422% | 2,430 |
| Net loans and leases to core deposits | 84.5161% | 2,713 |
| Total domestic deposits to total assets | 84.3540% | 3,676 |
| Equity capital to assets | 13.6276% | 1,116 |
| Core capital (leverage) ratio | 9.4797% | 4,308 |
| Tier 1 risk-based capital ratio | 12.1259% | 5,163 |
| Total risk-based capital ratio | 13.1641% | 5,192 |
| Memoranda: | ||
| Average total assets | $5,825,181,500 | 173 |
| Average earning assets | $5,063,127,000 | 175 |
| Average equity | $792,665,500 | 158 |
| Average total loans | $4,034,971,500 | 172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,823 |
| Cost of funding earning assets | 0.3794% | 3,917 |
| Net interest margin | 4.1329% | 1,481 |
| Noninterest income to average assets | 1.3534% | 664 |
| Noninterest expense to average assets | 3.2587% | 2,045 |
| Loan and lease loss provision to assets | 0.1065% | 2,371 |
| Net operating income to assets | 1.0779% | 2,062 |
| Return on assets (ROA) | 1.0779% | 2,116 |
| Pretax return on assets | 1.5640% | 1,342 |
| Return on Equity (ROE) | 8.1818% | 3,034 |
| Retained earnings to average equity (ytd only) | 5.3611% | 2,361 |
| Net charge-offs to loans | 0.2915% | 1,498 |
| Credit loss provision to net charge-offs | 53.4263% | 3,415 |
| Earnings coverage of net charge-offs (x) | 8.3805% | 2,886 |
| Efficiency ratio | 64.1460% | 4,569 |
| Assets per employee ($millions) | 3.9449% | 4,070 |
| Cash dividends to net income (ytd only)* | 34.4746% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,797 |
| Loan loss allowance to noncurrent loans | 76.7356% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7613% | 1,496 |
| Noncurrent loans to loans | 1.3731% | 2,137 |
| Net loans and leases to total assets | 68.6203% | 2,469 |
| Net loans and leases to deposits | 81.9420% | 2,479 |
| Net loans and leases to core deposits | 85.7817% | 2,712 |
| Total domestic deposits to total assets | 83.7425% | 3,823 |
| Equity capital to assets | 13.5838% | 1,119 |
| Core capital (leverage) ratio | 9.2342% | 4,626 |
| Tier 1 risk-based capital ratio | 12.0569% | 5,321 |
| Total risk-based capital ratio | 13.1303% | 5,351 |
| Memoranda: | ||
| Average total assets | $5,790,782,000 | 171 |
| Average earning assets | $5,010,261,000 | 171 |
| Average equity | $762,880,200 | 158 |
| Average total loans | $3,959,771,400 | 170 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,742 |
| Cost of funding earning assets | 0.3904% | 3,895 |
| Net interest margin | 4.1468% | 1,443 |
| Noninterest income to average assets | 1.3454% | 677 |
| Noninterest expense to average assets | 3.2892% | 1,924 |
| Loan and lease loss provision to assets | 0.1178% | 2,099 |
| Net operating income to assets | 1.0596% | 2,198 |
| Return on assets (ROA) | 1.0596% | 2,264 |
| Pretax return on assets | 1.5256% | 1,564 |
| Return on Equity (ROE) | 8.1063% | 3,150 |
| Retained earnings to average equity (ytd only) | 5.2647% | 2,910 |
| Net charge-offs to loans | 0.2775% | 1,416 |
| Credit loss provision to net charge-offs | 62.3037% | 2,904 |
| Earnings coverage of net charge-offs (x) | 8.6920% | 2,761 |
| Efficiency ratio | 64.6860% | 4,437 |
| Assets per employee ($millions) | 3.9103% | 4,065 |
| Cash dividends to net income (ytd only)* | 35.0540% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 4,667 |
| Loan loss allowance to noncurrent loans | 62.0669% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.0616% | 1,372 |
| Noncurrent loans to loans | 1.8007% | 1,800 |
| Net loans and leases to total assets | 68.7416% | 2,428 |
| Net loans and leases to deposits | 82.7055% | 2,336 |
| Net loans and leases to core deposits | 86.8583% | 2,561 |
| Total domestic deposits to total assets | 83.1161% | 4,093 |
| Equity capital to assets | 13.4969% | 1,181 |
| Core capital (leverage) ratio | 9.0054% | 5,063 |
| Tier 1 risk-based capital ratio | 11.8776% | 5,571 |
| Total risk-based capital ratio | 13.0141% | 5,556 |
| Memoranda: | ||
| Average total assets | $5,791,670,250 | 169 |
| Average earning assets | $5,010,155,000 | 168 |
| Average equity | $757,069,000 | 158 |
| Average total loans | $3,946,338,750 | 170 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 1,660 |
| Cost of funding earning assets | 0.4000% | 3,866 |
| Net interest margin | 4.1535% | 1,371 |
| Noninterest income to average assets | 1.2756% | 726 |
| Noninterest expense to average assets | 3.2941% | 1,937 |
| Loan and lease loss provision to assets | 0.0998% | 2,358 |
| Net operating income to assets | 1.0277% | 2,214 |
| Return on assets (ROA) | 1.0277% | 2,278 |
| Pretax return on assets | 1.4659% | 1,652 |
| Return on Equity (ROE) | 7.9471% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.0848% | 2,908 |
| Net charge-offs to loans | 0.1658% | 2,064 |
| Credit loss provision to net charge-offs | 88.9298% | 2,195 |
| Earnings coverage of net charge-offs (x) | 13.9479% | 1,943 |
| Efficiency ratio | 65.7303% | 4,401 |
| Assets per employee ($millions) | 3.9145% | 4,029 |
| Cash dividends to net income (ytd only)* | 36.0174% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,484 |
| Loan loss allowance to noncurrent loans | 64.5903% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1812% | 1,404 |
| Noncurrent loans to loans | 1.8375% | 1,867 |
| Net loans and leases to total assets | 67.7965% | 2,443 |
| Net loans and leases to deposits | 80.5314% | 2,448 |
| Net loans and leases to core deposits | 84.6408% | 2,673 |
| Total domestic deposits to total assets | 84.1864% | 3,861 |
| Equity capital to assets | 13.1336% | 1,304 |
| Core capital (leverage) ratio | 8.6428% | 5,478 |
| Tier 1 risk-based capital ratio | 11.4618% | 5,823 |
| Total risk-based capital ratio | 12.5940% | 5,832 |
| Memoranda: | ||
| Average total assets | $5,810,080,330 | 168 |
| Average earning assets | $5,013,798,330 | 169 |
| Average equity | $751,344,000 | 158 |
| Average total loans | $3,932,488,330 | 168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,875 |
| Cost of funding earning assets | 0.4113% | 3,845 |
| Net interest margin | 4.0664% | 1,554 |
| Noninterest income to average assets | 1.2330% | 725 |
| Noninterest expense to average assets | 3.2207% | 2,155 |
| Loan and lease loss provision to assets | 0.0998% | 2,261 |
| Net operating income to assets | 0.9863% | 2,263 |
| Return on assets (ROA) | 0.9863% | 2,321 |
| Pretax return on assets | 1.4240% | 1,664 |
| Return on Equity (ROE) | 7.6867% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.8045% | 3,227 |
| Net charge-offs to loans | 0.1093% | 2,087 |
| Credit loss provision to net charge-offs | 135.8950% | 1,341 |
| Earnings coverage of net charge-offs (x) | 20.7451% | 1,322 |
| Efficiency ratio | 65.7487% | 4,570 |
| Assets per employee ($millions) | 4.0412% | 3,845 |
| Cash dividends to net income (ytd only)* | 37.4956% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,466 |
| Loan loss allowance to noncurrent loans | 64.8334% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.3986% | 1,353 |
| Noncurrent loans to loans | 1.9023% | 1,991 |
| Net loans and leases to total assets | 65.3492% | 2,664 |
| Net loans and leases to deposits | 76.7943% | 2,713 |
| Net loans and leases to core deposits | 80.6193% | 2,895 |
| Total domestic deposits to total assets | 85.0965% | 3,824 |
| Equity capital to assets | 12.7614% | 1,422 |
| Core capital (leverage) ratio | 8.3016% | 5,843 |
| Tier 1 risk-based capital ratio | 11.2360% | 6,046 |
| Total risk-based capital ratio | 12.3897% | 6,052 |
| Memoranda: | ||
| Average total assets | $5,810,588,000 | 169 |
| Average earning assets | $5,017,645,000 | 169 |
| Average equity | $745,545,000 | 159 |
| Average total loans | $3,905,909,500 | 168 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 2,763 |
| Cost of funding earning assets | 0.4924% | 3,682 |
| Net interest margin | 3.8609% | 2,428 |
| Noninterest income to average assets | 1.4075% | 713 |
| Noninterest expense to average assets | 3.4893% | 1,675 |
| Loan and lease loss provision to assets | 0.2146% | 1,703 |
| Net operating income to assets | 0.7349% | 3,632 |
| Return on assets (ROA) | 0.7357% | 3,708 |
| Pretax return on assets | 1.0179% | 3,277 |
| Return on Equity (ROE) | 5.6039% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.5555% | 4,428 |
| Net charge-offs to loans | 0.2138% | 2,749 |
| Credit loss provision to net charge-offs | 147.1843% | 1,580 |
| Earnings coverage of net charge-offs (x) | 8.4457% | 2,668 |
| Efficiency ratio | 72.6554% | 3,358 |
| Assets per employee ($millions) | 3.8659% | 4,122 |
| Cash dividends to net income (ytd only)* | 54.3976% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,558 |
| Loan loss allowance to noncurrent loans | 62.2933% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.5654% | 1,325 |
| Noncurrent loans to loans | 1.9540% | 2,037 |
| Net loans and leases to total assets | 67.4730% | 2,440 |
| Net loans and leases to deposits | 79.7642% | 2,486 |
| Net loans and leases to core deposits | 83.9697% | 2,679 |
| Total domestic deposits to total assets | 84.5905% | 3,928 |
| Equity capital to assets | 12.9021% | 1,322 |
| Core capital (leverage) ratio | 8.4004% | 5,782 |
| Tier 1 risk-based capital ratio | 11.0540% | 6,148 |
| Total risk-based capital ratio | 12.2049% | 6,145 |
| Memoranda: | ||
| Average total assets | $4,823,102,200 | 179 |
| Average earning assets | $4,138,955,200 | 184 |
| Average equity | $633,220,000 | 167 |
| Average total loans | $3,289,285,800 | 180 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 3,510 |
| Cost of funding earning assets | 0.5080% | 3,692 |
| Net interest margin | 3.6570% | 3,207 |
| Noninterest income to average assets | 1.4518% | 698 |
| Noninterest expense to average assets | 3.4194% | 1,777 |
| Loan and lease loss provision to assets | 0.2423% | 1,481 |
| Net operating income to assets | 0.6806% | 3,953 |
| Return on assets (ROA) | 0.6819% | 4,085 |
| Pretax return on assets | 0.9276% | 3,771 |
| Return on Equity (ROE) | 5.1657% | 4,644 |
| Retained earnings to average equity (ytd only) | 2.0993% | 5,064 |
| Net charge-offs to loans | 0.2744% | 2,177 |
| Credit loss provision to net charge-offs | 129.5176% | 1,821 |
| Earnings coverage of net charge-offs (x) | 6.2460% | 3,009 |
| Efficiency ratio | 73.6740% | 3,113 |
| Assets per employee ($millions) | 3.7272% | 4,400 |
| Cash dividends to net income (ytd only)* | 59.3609% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 4,952 |
| Loan loss allowance to noncurrent loans | 57.1298% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.7069% | 1,392 |
| Noncurrent loans to loans | 2.0697% | 2,168 |
| Net loans and leases to total assets | 67.5600% | 2,357 |
| Net loans and leases to deposits | 79.8108% | 2,436 |
| Net loans and leases to core deposits | 84.1690% | 2,631 |
| Total domestic deposits to total assets | 84.6501% | 3,904 |
| Equity capital to assets | 12.7961% | 1,427 |
| Core capital (leverage) ratio | 10.1744% | 3,437 |
| Tier 1 risk-based capital ratio | 10.9808% | 6,293 |
| Total risk-based capital ratio | 12.1041% | 6,308 |
| Memoranda: | ||
| Average total assets | $4,595,602,750 | 184 |
| Average earning assets | $3,940,784,500 | 190 |
| Average equity | $606,603,000 | 169 |
| Average total loans | $3,132,617,750 | 180 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,805 |
| Cost of funding earning assets | 0.5459% | 3,460 |
| Net interest margin | 3.7910% | 2,585 |
| Noninterest income to average assets | 1.5171% | 677 |
| Noninterest expense to average assets | 3.4294% | 1,763 |
| Loan and lease loss provision to assets | 0.2867% | 1,269 |
| Net operating income to assets | 0.7696% | 3,467 |
| Return on assets (ROA) | 0.7715% | 3,614 |
| Pretax return on assets | 1.0543% | 3,279 |
| Return on Equity (ROE) | 5.7655% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.7190% | 4,584 |
| Net charge-offs to loans | 0.2341% | 2,320 |
| Credit loss provision to net charge-offs | 179.8989% | 1,326 |
| Earnings coverage of net charge-offs (x) | 8.3976% | 2,400 |
| Efficiency ratio | 71.2965% | 3,593 |
| Assets per employee ($millions) | 3.7691% | 4,265 |
| Cash dividends to net income (ytd only)* | 52.8407% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,153 |
| Loan loss allowance to noncurrent loans | 67.2452% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 3.4696% | 1,112 |
| Noncurrent loans to loans | 2.3821% | 1,975 |
| Net loans and leases to total assets | 68.2001% | 2,196 |
| Net loans and leases to deposits | 82.3229% | 2,018 |
| Net loans and leases to core deposits | 87.7618% | 2,137 |
| Total domestic deposits to total assets | 82.8446% | 4,764 |
| Equity capital to assets | 13.3130% | 1,217 |
| Core capital (leverage) ratio | 9.6275% | 4,037 |
| Tier 1 risk-based capital ratio | 12.6350% | 5,406 |
| Total risk-based capital ratio | 13.8885% | 5,339 |
| Memoranda: | ||
| Average total assets | $4,220,400,330 | 195 |
| Average earning assets | $3,618,756,000 | 201 |
| Average equity | $564,774,000 | 176 |
| Average total loans | $2,872,991,000 | 185 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,762 |
| Cost of funding earning assets | 0.5507% | 3,563 |
| Net interest margin | 3.7806% | 2,521 |
| Noninterest income to average assets | 1.4920% | 697 |
| Noninterest expense to average assets | 3.4095% | 1,815 |
| Loan and lease loss provision to assets | 0.2896% | 1,210 |
| Net operating income to assets | 0.7549% | 3,407 |
| Return on assets (ROA) | 0.7587% | 3,525 |
| Pretax return on assets | 1.0262% | 3,236 |
| Return on Equity (ROE) | 5.6550% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.6116% | 4,717 |
| Net charge-offs to loans | 0.1256% | 2,666 |
| Credit loss provision to net charge-offs | 341.9283% | 716 |
| Earnings coverage of net charge-offs (x) | 15.4742% | 1,398 |
| Efficiency ratio | 71.5820% | 3,691 |
| Assets per employee ($millions) | 3.8478% | 4,258 |
| Cash dividends to net income (ytd only)* | 53.8173% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 3,236 |
| Loan loss allowance to noncurrent loans | 61.2270% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 3.9241% | 1,034 |
| Noncurrent loans to loans | 2.6782% | 1,912 |
| Net loans and leases to total assets | 65.5493% | 2,450 |
| Net loans and leases to deposits | 78.3787% | 2,289 |
| Net loans and leases to core deposits | 83.3540% | 2,418 |
| Total domestic deposits to total assets | 83.6315% | 4,621 |
| Equity capital to assets | 13.3228% | 1,286 |
| Core capital (leverage) ratio | 9.5899% | 3,945 |
| Tier 1 risk-based capital ratio | 12.6118% | 5,513 |
| Total risk-based capital ratio | 13.8653% | 5,456 |
| Memoranda: | ||
| Average total assets | $4,212,388,000 | 200 |
| Average earning assets | $3,596,861,500 | 203 |
| Average equity | $565,163,000 | 179 |
| Average total loans | $2,841,347,000 | 190 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 3,230 |
| Cost of funding earning assets | 0.6673% | 3,767 |
| Net interest margin | 3.8755% | 2,923 |
| Noninterest income to average assets | 1.3875% | 811 |
| Noninterest expense to average assets | 3.3871% | 2,080 |
| Loan and lease loss provision to assets | 0.4359% | 1,460 |
| Net operating income to assets | 0.6503% | 3,984 |
| Return on assets (ROA) | 0.6858% | 4,066 |
| Pretax return on assets | 0.8779% | 3,995 |
| Return on Equity (ROE) | 5.1101% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.8635% | 4,907 |
| Net charge-offs to loans | 0.6646% | 1,772 |
| Credit loss provision to net charge-offs | 100.0386% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.9107% | 3,971 |
| Efficiency ratio | 72.0437% | 3,407 |
| Assets per employee ($millions) | 3.8039% | 4,359 |
| Cash dividends to net income (ytd only)* | 63.5328% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,485 |
| Loan loss allowance to noncurrent loans | 53.1879% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 4.5261% | 911 |
| Noncurrent loans to loans | 2.9290% | 1,787 |
| Net loans and leases to total assets | 67.2154% | 2,333 |
| Net loans and leases to deposits | 80.8706% | 2,164 |
| Net loans and leases to core deposits | 85.7800% | 2,341 |
| Total domestic deposits to total assets | 83.1147% | 4,670 |
| Equity capital to assets | 13.5125% | 1,222 |
| Core capital (leverage) ratio | 9.6742% | 3,855 |
| Tier 1 risk-based capital ratio | 12.4746% | 5,497 |
| Total risk-based capital ratio | 13.7272% | 5,448 |
| Memoranda: | ||
| Average total assets | $4,158,114,600 | 200 |
| Average earning assets | $3,506,290,000 | 207 |
| Average equity | $558,036,000 | 180 |
| Average total loans | $2,726,076,000 | 190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 3,392 |
| Cost of funding earning assets | 0.6977% | 3,787 |
| Net interest margin | 3.8609% | 3,071 |
| Noninterest income to average assets | 1.3495% | 816 |
| Noninterest expense to average assets | 3.3624% | 2,099 |
| Loan and lease loss provision to assets | 0.4532% | 1,375 |
| Net operating income to assets | 0.6168% | 4,316 |
| Return on assets (ROA) | 0.6618% | 4,351 |
| Pretax return on assets | 0.8410% | 4,332 |
| Return on Equity (ROE) | 4.9396% | 4,845 |
| Retained earnings to average equity (ytd only) | 1.6269% | 5,519 |
| Net charge-offs to loans | 0.7120% | 1,551 |
| Credit loss provision to net charge-offs | 98.1175% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.6788% | 3,963 |
| Efficiency ratio | 72.3681% | 3,254 |
| Assets per employee ($millions) | 3.8873% | 4,115 |
| Cash dividends to net income (ytd only)* | 67.0643% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,728 |
| Loan loss allowance to noncurrent loans | 45.8503% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 4.8569% | 924 |
| Noncurrent loans to loans | 3.3834% | 1,619 |
| Net loans and leases to total assets | 67.3648% | 2,390 |
| Net loans and leases to deposits | 82.2663% | 2,081 |
| Net loans and leases to core deposits | 87.4834% | 2,281 |
| Total domestic deposits to total assets | 81.8862% | 5,062 |
| Equity capital to assets | 13.5355% | 1,335 |
| Core capital (leverage) ratio | 9.6938% | 3,969 |
| Tier 1 risk-based capital ratio | 12.4837% | 5,656 |
| Total risk-based capital ratio | 13.7363% | 5,619 |
| Memoranda: | ||
| Average total assets | $4,155,377,500 | 202 |
| Average earning assets | $3,498,123,750 | 208 |
| Average equity | $556,708,750 | 182 |
| Average total loans | $2,695,945,500 | 193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 3,273 |
| Cost of funding earning assets | 0.7428% | 3,664 |
| Net interest margin | 3.8781% | 3,007 |
| Noninterest income to average assets | 1.2103% | 976 |
| Noninterest expense to average assets | 3.2446% | 2,454 |
| Loan and lease loss provision to assets | 0.4571% | 1,395 |
| Net operating income to assets | 0.5714% | 4,493 |
| Return on assets (ROA) | 0.6363% | 4,437 |
| Pretax return on assets | 0.8425% | 4,305 |
| Return on Equity (ROE) | 4.7657% | 4,927 |
| Retained earnings to average equity (ytd only) | 1.6830% | 5,358 |
| Net charge-offs to loans | 0.6845% | 1,618 |
| Credit loss provision to net charge-offs | 104.8449% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.7852% | 3,631 |
| Efficiency ratio | 72.0042% | 3,434 |
| Assets per employee ($millions) | 3.7920% | 4,333 |
| Cash dividends to net income (ytd only)* | 64.6854% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,419 |
| Loan loss allowance to noncurrent loans | 46.8654% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 4.9855% | 958 |
| Noncurrent loans to loans | 3.5278% | 1,623 |
| Net loans and leases to total assets | 64.9200% | 2,854 |
| Net loans and leases to deposits | 78.1216% | 2,649 |
| Net loans and leases to core deposits | 83.1858% | 2,802 |
| Total domestic deposits to total assets | 83.1012% | 4,713 |
| Equity capital to assets | 13.5908% | 1,268 |
| Core capital (leverage) ratio | 9.5059% | 4,135 |
| Tier 1 risk-based capital ratio | 12.8488% | 5,303 |
| Total risk-based capital ratio | 14.1024% | 5,271 |
| Memoranda: | ||
| Average total assets | $4,156,632,330 | 199 |
| Average earning assets | $3,482,007,000 | 206 |
| Average equity | $554,965,000 | 182 |
| Average total loans | $2,647,662,670 | 193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 3,316 |
| Cost of funding earning assets | 0.8032% | 3,451 |
| Net interest margin | 3.8359% | 3,213 |
| Noninterest income to average assets | 1.2245% | 952 |
| Noninterest expense to average assets | 3.2373% | 2,480 |
| Loan and lease loss provision to assets | 0.4589% | 1,343 |
| Net operating income to assets | 0.5498% | 4,597 |
| Return on assets (ROA) | 0.6146% | 4,496 |
| Pretax return on assets | 0.8170% | 4,354 |
| Return on Equity (ROE) | 4.6442% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.5555% | 5,460 |
| Net charge-offs to loans | 0.7586% | 1,349 |
| Credit loss provision to net charge-offs | 96.6962% | 2,430 |
| Earnings coverage of net charge-offs (x) | 2.5062% | 3,163 |
| Efficiency ratio | 72.3579% | 3,369 |
| Assets per employee ($millions) | 4.0334% | 3,937 |
| Cash dividends to net income (ytd only)* | 66.5059% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 3,419 |
| Loan loss allowance to noncurrent loans | 40.0693% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 5.3592% | 941 |
| Noncurrent loans to loans | 4.1995% | 1,441 |
| Net loans and leases to total assets | 61.8891% | 3,278 |
| Net loans and leases to deposits | 74.2197% | 3,090 |
| Net loans and leases to core deposits | 79.0173% | 3,183 |
| Total domestic deposits to total assets | 83.3863% | 4,768 |
| Equity capital to assets | 13.3016% | 1,319 |
| Core capital (leverage) ratio | 9.2122% | 4,496 |
| Tier 1 risk-based capital ratio | 13.0244% | 5,201 |
| Total risk-based capital ratio | 14.2781% | 5,165 |
| Memoranda: | ||
| Average total assets | $4,183,469,500 | 193 |
| Average earning assets | $3,492,468,000 | 202 |
| Average equity | $553,634,500 | 179 |
| Average total loans | $2,617,284,000 | 194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 3,651 |
| Cost of funding earning assets | 1.1035% | 2,651 |
| Net interest margin | 3.7306% | 4,154 |
| Noninterest income to average assets | 1.2342% | 857 |
| Noninterest expense to average assets | 3.0393% | 3,441 |
| Loan and lease loss provision to assets | 0.5250% | 1,996 |
| Net operating income to assets | 0.5573% | 4,199 |
| Return on assets (ROA) | 0.6395% | 3,986 |
| Pretax return on assets | 0.8752% | 3,690 |
| Return on Equity (ROE) | 5.0604% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.8878% | 4,858 |
| Net charge-offs to loans | 0.9071% | 1,914 |
| Credit loss provision to net charge-offs | 95.4109% | 3,780 |
| Earnings coverage of net charge-offs (x) | 2.3400% | 4,046 |
| Efficiency ratio | 69.2979% | 4,092 |
| Assets per employee ($millions) | 4.0742% | 3,704 |
| Cash dividends to net income (ytd only)* | 62.6951% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 3,206 |
| Loan loss allowance to noncurrent loans | 35.7344% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 5.9599% | 821 |
| Noncurrent loans to loans | 4.7554% | 1,227 |
| Net loans and leases to total assets | 61.1225% | 3,752 |
| Net loans and leases to deposits | 75.0864% | 3,333 |
| Net loans and leases to core deposits | 80.2866% | 3,423 |
| Total domestic deposits to total assets | 81.4028% | 5,321 |
| Equity capital to assets | 13.1665% | 1,413 |
| Core capital (leverage) ratio | 9.2632% | 4,381 |
| Tier 1 risk-based capital ratio | 13.0687% | 5,008 |
| Total risk-based capital ratio | 14.3227% | 4,982 |
| Memoranda: | ||
| Average total assets | $4,257,385,400 | 189 |
| Average earning assets | $3,529,255,200 | 200 |
| Average equity | $538,039,200 | 182 |
| Average total loans | $2,582,368,600 | 192 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 3,223 |
| Cost of funding earning assets | 1.1708% | 2,504 |
| Net interest margin | 3.8032% | 3,867 |
| Noninterest income to average assets | 1.4827% | 595 |
| Noninterest expense to average assets | 3.3506% | 2,350 |
| Loan and lease loss provision to assets | 0.5102% | 1,942 |
| Net operating income to assets | 0.5527% | 4,311 |
| Return on assets (ROA) | 0.6589% | 4,001 |
| Pretax return on assets | 0.9237% | 3,674 |
| Return on Equity (ROE) | 5.2679% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.0737% | 5,100 |
| Net charge-offs to loans | 0.6850% | 2,202 |
| Credit loss provision to net charge-offs | 123.5547% | 2,606 |
| Earnings coverage of net charge-offs (x) | 3.1100% | 3,580 |
| Efficiency ratio | 71.3653% | 3,677 |
| Assets per employee ($millions) | 4.1104% | 3,621 |
| Cash dividends to net income (ytd only)* | 60.6346% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,706 |
| Loan loss allowance to noncurrent loans | 33.3130% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 6.5928% | 773 |
| Noncurrent loans to loans | 5.6260% | 1,039 |
| Net loans and leases to total assets | 61.5104% | 3,846 |
| Net loans and leases to deposits | 75.9261% | 3,341 |
| Net loans and leases to core deposits | 81.1257% | 3,466 |
| Total domestic deposits to total assets | 81.0135% | 5,429 |
| Equity capital to assets | 13.3615% | 1,432 |
| Core capital (leverage) ratio | 9.2853% | 4,475 |
| Tier 1 risk-based capital ratio | 13.3521% | 4,834 |
| Total risk-based capital ratio | 14.6085% | 4,801 |
| Memoranda: | ||
| Average total assets | $4,272,622,500 | 189 |
| Average earning assets | $3,541,203,500 | 198 |
| Average equity | $534,418,000 | 183 |
| Average total loans | $2,575,634,250 | 195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 3,276 |
| Cost of funding earning assets | 1.2639% | 2,155 |
| Net interest margin | 3.7131% | 4,204 |
| Noninterest income to average assets | 1.5702% | 521 |
| Noninterest expense to average assets | 3.2075% | 2,868 |
| Loan and lease loss provision to assets | 0.5023% | 1,949 |
| Net operating income to assets | 0.6631% | 3,724 |
| Return on assets (ROA) | 0.6555% | 3,896 |
| Pretax return on assets | 0.9289% | 3,515 |
| Return on Equity (ROE) | 5.3571% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.1276% | 4,926 |
| Net charge-offs to loans | 0.6763% | 2,147 |
| Credit loss provision to net charge-offs | 124.7987% | 2,449 |
| Earnings coverage of net charge-offs (x) | 3.5822% | 3,121 |
| Efficiency ratio | 67.9668% | 4,523 |
| Assets per employee ($millions) | 4.2834% | 3,192 |
| Cash dividends to net income (ytd only)* | 60.2839% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,832 |
| Loan loss allowance to noncurrent loans | 33.6486% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 6.3702% | 846 |
| Noncurrent loans to loans | 5.4921% | 1,152 |
| Net loans and leases to total assets | 59.4007% | 4,398 |
| Net loans and leases to deposits | 72.5716% | 4,023 |
| Net loans and leases to core deposits | 77.3195% | 4,147 |
| Total domestic deposits to total assets | 81.8512% | 5,215 |
| Equity capital to assets | 12.7979% | 1,626 |
| Core capital (leverage) ratio | 8.9111% | 4,861 |
| Tier 1 risk-based capital ratio | 13.2931% | 4,697 |
| Total risk-based capital ratio | 14.5490% | 4,666 |
| Memoranda: | ||
| Average total assets | $4,319,840,330 | 190 |
| Average earning assets | $3,582,457,000 | 199 |
| Average equity | $528,570,330 | 188 |
| Average total loans | $2,571,010,000 | 199 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 3,435 |
| Cost of funding earning assets | 1.3397% | 1,951 |
| Net interest margin | 3.5876% | 4,627 |
| Noninterest income to average assets | 1.9411% | 370 |
| Noninterest expense to average assets | 3.3755% | 2,347 |
| Loan and lease loss provision to assets | 0.5054% | 1,721 |
| Net operating income to assets | 0.7311% | 3,373 |
| Return on assets (ROA) | 0.7319% | 3,434 |
| Pretax return on assets | 1.0388% | 2,990 |
| Return on Equity (ROE) | 6.1189% | 3,829 |
| Retained earnings to average equity (ytd only) | 2.8417% | 4,466 |
| Net charge-offs to loans | 0.5309% | 2,165 |
| Credit loss provision to net charge-offs | 161.2903% | 1,789 |
| Earnings coverage of net charge-offs (x) | 4.9246% | 2,370 |
| Efficiency ratio | 67.6649% | 4,723 |
| Assets per employee ($millions) | 4.4770% | 2,929 |
| Cash dividends to net income (ytd only)* | 53.5593% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 2,902 |
| Loan loss allowance to noncurrent loans | 32.9962% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 6.2197% | 912 |
| Noncurrent loans to loans | 5.5661% | 1,169 |
| Net loans and leases to total assets | 57.5188% | 4,720 |
| Net loans and leases to deposits | 69.2938% | 4,471 |
| Net loans and leases to core deposits | 74.9306% | 4,437 |
| Total domestic deposits to total assets | 83.0072% | 4,927 |
| Equity capital to assets | 11.8354% | 2,016 |
| Core capital (leverage) ratio | 8.2269% | 5,942 |
| Tier 1 risk-based capital ratio | 12.7569% | 5,007 |
| Total risk-based capital ratio | 14.0129% | 4,983 |
| Memoranda: | ||
| Average total assets | $4,353,036,500 | 188 |
| Average earning assets | $3,612,774,000 | 197 |
| Average equity | $520,680,500 | 188 |
| Average total loans | $2,569,440,000 | 200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 4,129 |
| Cost of funding earning assets | 1.7409% | 1,419 |
| Net interest margin | 3.3502% | 5,791 |
| Noninterest income to average assets | 2.3937% | 295 |
| Noninterest expense to average assets | 3.1775% | 3,166 |
| Loan and lease loss provision to assets | 0.7889% | 2,076 |
| Net operating income to assets | 0.8514% | 2,584 |
| Return on assets (ROA) | 0.8666% | 2,665 |
| Pretax return on assets | 1.2850% | 1,969 |
| Return on Equity (ROE) | 6.8091% | 3,210 |
| Retained earnings to average equity (ytd only) | 3.6339% | 3,321 |
| Net charge-offs to loans | 1.0044% | 2,186 |
| Credit loss provision to net charge-offs | 125.7020% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.2685% | 3,442 |
| Efficiency ratio | 59.7991% | 6,077 |
| Assets per employee ($millions) | 4.3090% | 3,186 |
| Cash dividends to net income (ytd only)* | 46.6322% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,928 |
| Loan loss allowance to noncurrent loans | 33.3319% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 6.1217% | 963 |
| Noncurrent loans to loans | 5.3384% | 1,236 |
| Net loans and leases to total assets | 58.4119% | 4,966 |
| Net loans and leases to deposits | 71.8738% | 4,544 |
| Net loans and leases to core deposits | 81.9050% | 3,920 |
| Total domestic deposits to total assets | 81.2702% | 5,428 |
| Equity capital to assets | 12.0909% | 1,853 |
| Core capital (leverage) ratio | 8.3923% | 5,549 |
| Tier 1 risk-based capital ratio | 12.7282% | 4,841 |
| Total risk-based capital ratio | 13.9836% | 4,809 |
| Memoranda: | ||
| Average total assets | $3,887,215,000 | 203 |
| Average earning assets | $3,289,564,600 | 211 |
| Average equity | $494,735,400 | 189 |
| Average total loans | $2,428,872,600 | 212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 4,355 |
| Cost of funding earning assets | 1.9342% | 919 |
| Net interest margin | 3.1597% | 6,455 |
| Noninterest income to average assets | 2.7846% | 237 |
| Noninterest expense to average assets | 3.1180% | 3,250 |
| Loan and lease loss provision to assets | 0.8862% | 1,715 |
| Net operating income to assets | 0.9837% | 2,294 |
| Return on assets (ROA) | 1.0045% | 2,336 |
| Pretax return on assets | 1.4985% | 1,625 |
| Return on Equity (ROE) | 7.7819% | 2,996 |
| Retained earnings to average equity (ytd only) | 4.6588% | 3,222 |
| Net charge-offs to loans | 1.0663% | 1,905 |
| Credit loss provision to net charge-offs | 131.2181% | 3,075 |
| Earnings coverage of net charge-offs (x) | 3.4850% | 3,430 |
| Efficiency ratio | 56.0505% | 6,551 |
| Assets per employee ($millions) | 4.3494% | 3,172 |
| Cash dividends to net income (ytd only)* | 40.1325% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 3,065 |
| Loan loss allowance to noncurrent loans | 34.0031% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 5.7158% | 1,065 |
| Noncurrent loans to loans | 5.0869% | 1,353 |
| Net loans and leases to total assets | 59.8510% | 4,941 |
| Net loans and leases to deposits | 73.8567% | 4,539 |
| Net loans and leases to core deposits | 86.0381% | 3,648 |
| Total domestic deposits to total assets | 81.0367% | 5,349 |
| Equity capital to assets | 12.2784% | 1,991 |
| Core capital (leverage) ratio | 8.4508% | 5,601 |
| Tier 1 risk-based capital ratio | 12.8153% | 4,720 |
| Total risk-based capital ratio | 14.0696% | 4,702 |
| Memoranda: | ||
| Average total assets | $3,786,087,750 | 206 |
| Average earning assets | $3,219,852,500 | 213 |
| Average equity | $488,692,500 | 188 |
| Average total loans | $2,398,017,250 | 211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 4,614 |
| Cost of funding earning assets | 1.8157% | 1,586 |
| Net interest margin | 3.2536% | 6,155 |
| Noninterest income to average assets | 1.3343% | 712 |
| Noninterest expense to average assets | 2.8618% | 4,218 |
| Loan and lease loss provision to assets | 0.7550% | 1,913 |
| Net operating income to assets | 0.3942% | 4,779 |
| Return on assets (ROA) | 0.4735% | 4,603 |
| Pretax return on assets | 0.6203% | 4,502 |
| Return on Equity (ROE) | 3.5994% | 4,961 |
| Retained earnings to average equity (ytd only) | 0.5821% | 5,529 |
| Net charge-offs to loans | 1.0022% | 1,857 |
| Credit loss provision to net charge-offs | 117.1553% | 3,473 |
| Earnings coverage of net charge-offs (x) | 1.9722% | 4,045 |
| Efficiency ratio | 67.9826% | 4,585 |
| Assets per employee ($millions) | 4.4139% | 3,031 |
| Cash dividends to net income (ytd only)* | 83.8292% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 2,712 |
| Loan loss allowance to noncurrent loans | 63.6324% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 3.6608% | 1,913 |
| Noncurrent loans to loans | 2.8304% | 2,826 |
| Net loans and leases to total assets | 62.5160% | 4,577 |
| Net loans and leases to deposits | 83.2813% | 3,016 |
| Net loans and leases to core deposits | 92.1394% | 2,965 |
| Total domestic deposits to total assets | 75.0661% | 6,845 |
| Equity capital to assets | 13.3115% | 1,431 |
| Core capital (leverage) ratio | 8.5779% | 5,281 |
| Tier 1 risk-based capital ratio | 11.1581% | 6,086 |
| Total risk-based capital ratio | 12.4120% | 6,069 |
| Memoranda: | ||
| Average total assets | $3,620,061,330 | 215 |
| Average earning assets | $3,113,595,000 | 218 |
| Average equity | $476,247,000 | 188 |
| Average total loans | $2,327,606,670 | 214 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 4,371 |
| Cost of funding earning assets | 1.8347% | 1,724 |
| Net interest margin | 3.3001% | 5,972 |
| Noninterest income to average assets | 1.3526% | 658 |
| Noninterest expense to average assets | 2.8183% | 4,416 |
| Loan and lease loss provision to assets | 0.7333% | 1,732 |
| Net operating income to assets | 0.4835% | 4,483 |
| Return on assets (ROA) | 0.4701% | 4,666 |
| Pretax return on assets | 0.6182% | 4,535 |
| Return on Equity (ROE) | 3.5943% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.5728% | 5,598 |
| Net charge-offs to loans | 0.8030% | 1,929 |
| Credit loss provision to net charge-offs | 141.3274% | 2,512 |
| Earnings coverage of net charge-offs (x) | 2.6387% | 3,215 |
| Efficiency ratio | 66.0545% | 5,102 |
| Assets per employee ($millions) | 4.5180% | 2,923 |
| Cash dividends to net income (ytd only)* | 84.0627% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,833 |
| Loan loss allowance to noncurrent loans | 75.2582% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 3.2174% | 2,231 |
| Noncurrent loans to loans | 2.3486% | 3,334 |
| Net loans and leases to total assets | 62.7942% | 4,590 |
| Net loans and leases to deposits | 84.0315% | 2,937 |
| Net loans and leases to core deposits | 94.3201% | 2,802 |
| Total domestic deposits to total assets | 74.7270% | 6,945 |
| Equity capital to assets | 13.0846% | 1,489 |
| Core capital (leverage) ratio | 8.5361% | 5,311 |
| Tier 1 risk-based capital ratio | 10.9337% | 6,219 |
| Total risk-based capital ratio | 12.1872% | 6,196 |
| Memoranda: | ||
| Average total assets | $3,635,848,000 | 220 |
| Average earning assets | $3,123,081,000 | 223 |
| Average equity | $475,530,500 | 188 |
| Average total loans | $2,349,148,000 | 219 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 4,843 |
| Cost of funding earning assets | 2.0868% | 2,529 |
| Net interest margin | 3.2814% | 5,813 |
| Noninterest income to average assets | 1.4781% | 657 |
| Noninterest expense to average assets | 2.8648% | 4,676 |
| Loan and lease loss provision to assets | 0.7279% | 2,927 |
| Net operating income to assets | 0.5426% | 3,561 |
| Return on assets (ROA) | 0.5761% | 3,496 |
| Pretax return on assets | 0.7751% | 3,322 |
| Return on Equity (ROE) | 4.5338% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.4734% | 4,034 |
| Net charge-offs to loans | 0.9094% | 2,571 |
| Credit loss provision to net charge-offs | 118.7196% | 4,532 |
| Earnings coverage of net charge-offs (x) | 2.3775% | 3,948 |
| Efficiency ratio | 65.0436% | 5,574 |
| Assets per employee ($millions) | 4.4543% | 2,998 |
| Cash dividends to net income (ytd only)* | 67.5015% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 3,084 |
| Loan loss allowance to noncurrent loans | 78.2493% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9849% | 2,348 |
| Noncurrent loans to loans | 2.1078% | 3,504 |
| Net loans and leases to total assets | 64.2208% | 4,554 |
| Net loans and leases to deposits | 90.4418% | 2,151 |
| Net loans and leases to core deposits | 120.2476% | 1,932 |
| Total domestic deposits to total assets | 71.0079% | 7,342 |
| Equity capital to assets | 13.0733% | 1,484 |
| Core capital (leverage) ratio | 8.4683% | 5,327 |
| Tier 1 risk-based capital ratio | 10.8459% | 6,068 |
| Total risk-based capital ratio | 12.0961% | 6,039 |
| Memoranda: | ||
| Average total assets | $3,693,984,400 | 218 |
| Average earning assets | $3,202,138,400 | 220 |
| Average equity | $469,385,800 | 190 |
| Average total loans | $2,490,590,200 | 215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 5,028 |
| Cost of funding earning assets | 2.1217% | 2,793 |
| Net interest margin | 3.2610% | 5,784 |
| Noninterest income to average assets | 1.5665% | 601 |
| Noninterest expense to average assets | 2.8858% | 4,519 |
| Loan and lease loss provision to assets | 0.6863% | 2,679 |
| Net operating income to assets | 0.6002% | 3,601 |
| Return on assets (ROA) | 0.6403% | 3,519 |
| Pretax return on assets | 0.8864% | 3,269 |
| Return on Equity (ROE) | 5.0749% | 3,931 |
| Retained earnings to average equity (ytd only) | 2.0053% | 4,197 |
| Net charge-offs to loans | 0.9335% | 2,102 |
| Credit loss provision to net charge-offs | 108.2016% | 4,697 |
| Earnings coverage of net charge-offs (x) | 2.3918% | 4,037 |
| Efficiency ratio | 64.3328% | 5,684 |
| Assets per employee ($millions) | 4.4923% | 2,872 |
| Cash dividends to net income (ytd only)* | 60.4851% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 3,454 |
| Loan loss allowance to noncurrent loans | 74.7123% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.6386% | 2,635 |
| Noncurrent loans to loans | 2.0052% | 3,636 |
| Net loans and leases to total assets | 65.6860% | 4,495 |
| Net loans and leases to deposits | 93.1241% | 2,040 |
| Net loans and leases to core deposits | 125.2836% | 1,788 |
| Total domestic deposits to total assets | 70.5360% | 7,373 |
| Equity capital to assets | 13.0902% | 1,661 |
| Core capital (leverage) ratio | 8.3614% | 5,728 |
| Tier 1 risk-based capital ratio | 10.7720% | 6,193 |
| Total risk-based capital ratio | 12.0232% | 6,152 |
| Memoranda: | ||
| Average total assets | $3,708,811,250 | 228 |
| Average earning assets | $3,225,781,250 | 229 |
| Average equity | $467,939,500 | 196 |
| Average total loans | $2,519,896,750 | 225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 5,312 |
| Cost of funding earning assets | 2.1543% | 3,021 |
| Net interest margin | 3.2128% | 5,870 |
| Noninterest income to average assets | 1.5817% | 600 |
| Noninterest expense to average assets | 2.9041% | 4,486 |
| Loan and lease loss provision to assets | 0.6291% | 2,541 |
| Net operating income to assets | 0.6326% | 3,541 |
| Return on assets (ROA) | 0.6949% | 3,386 |
| Pretax return on assets | 0.9260% | 3,256 |
| Return on Equity (ROE) | 5.5755% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.4878% | 3,953 |
| Net charge-offs to loans | 0.8374% | 2,015 |
| Credit loss provision to net charge-offs | 109.9148% | 4,218 |
| Earnings coverage of net charge-offs (x) | 2.5719% | 3,781 |
| Efficiency ratio | 65.1433% | 5,688 |
| Assets per employee ($millions) | 4.4849% | 2,796 |
| Cash dividends to net income (ytd only)* | 55.3790% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 3,587 |
| Loan loss allowance to noncurrent loans | 54.9069% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.5962% | 2,479 |
| Noncurrent loans to loans | 2.6008% | 2,787 |
| Net loans and leases to total assets | 67.1735% | 4,323 |
| Net loans and leases to deposits | 95.2282% | 1,916 |
| Net loans and leases to core deposits | 131.3461% | 1,462 |
| Total domestic deposits to total assets | 70.5395% | 7,416 |
| Equity capital to assets | 12.6204% | 1,866 |
| Core capital (leverage) ratio | 8.1684% | 6,035 |
| Tier 1 risk-based capital ratio | 10.6497% | 6,230 |
| Total risk-based capital ratio | 11.9000% | 6,168 |
| Memoranda: | ||
| Average total assets | $3,732,159,000 | 233 |
| Average earning assets | $3,246,211,670 | 233 |
| Average equity | $465,145,670 | 201 |
| Average total loans | $2,551,024,330 | 231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 5,391 |
| Cost of funding earning assets | 2.1530% | 3,403 |
| Net interest margin | 3.2539% | 5,679 |
| Noninterest income to average assets | 1.6589% | 498 |
| Noninterest expense to average assets | 2.8626% | 4,290 |
| Loan and lease loss provision to assets | 0.5375% | 2,321 |
| Net operating income to assets | 0.8066% | 3,102 |
| Return on assets (ROA) | 0.8066% | 3,261 |
| Pretax return on assets | 1.0798% | 3,061 |
| Return on Equity (ROE) | 6.5125% | 3,810 |
| Retained earnings to average equity (ytd only) | 3.4212% | 3,985 |
| Net charge-offs to loans | 0.7422% | 1,702 |
| Credit loss provision to net charge-offs | 105.7935% | 3,597 |
| Earnings coverage of net charge-offs (x) | 3.1830% | 3,258 |
| Efficiency ratio | 62.7059% | 5,931 |
| Assets per employee ($millions) | 4.5779% | 2,593 |
| Cash dividends to net income (ytd only)* | 47.4679% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 3,650 |
| Loan loss allowance to noncurrent loans | 50.8278% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.4915% | 2,306 |
| Noncurrent loans to loans | 2.7017% | 2,431 |
| Net loans and leases to total assets | 66.6607% | 4,423 |
| Net loans and leases to deposits | 93.7929% | 2,305 |
| Net loans and leases to core deposits | 133.4426% | 1,449 |
| Total domestic deposits to total assets | 71.0721% | 7,323 |
| Equity capital to assets | 12.2686% | 2,098 |
| Core capital (leverage) ratio | 8.0481% | 6,384 |
| Tier 1 risk-based capital ratio | 10.6857% | 6,202 |
| Total risk-based capital ratio | 11.9365% | 6,111 |
| Memoranda: | ||
| Average total assets | $3,750,452,000 | 230 |
| Average earning assets | $3,251,442,500 | 235 |
| Average equity | $464,520,000 | 197 |
| Average total loans | $2,567,332,000 | 229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2889% | 4,027 |
| Cost of funding earning assets | 2.7031% | 3,143 |
| Net interest margin | 3.5859% | 4,946 |
| Noninterest income to average assets | 1.4389% | 692 |
| Noninterest expense to average assets | 2.9043% | 4,437 |
| Loan and lease loss provision to assets | 0.6160% | 2,362 |
| Net operating income to assets | 0.7370% | 3,731 |
| Return on assets (ROA) | 0.7370% | 3,566 |
| Pretax return on assets | 1.0251% | 3,289 |
| Return on Equity (ROE) | 5.8397% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.3466% | 3,741 |
| Net charge-offs to loans | 0.5507% | 2,177 |
| Credit loss provision to net charge-offs | 159.8038% | 3,231 |
| Earnings coverage of net charge-offs (x) | 4.2574% | 4,054 |
| Efficiency ratio | 62.4361% | 5,867 |
| Assets per employee ($millions) | 4.2845% | 2,982 |
| Cash dividends to net income (ytd only)* | 59.8167% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 3,437 |
| Loan loss allowance to noncurrent loans | 87.4505% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 2,796 |
| Noncurrent loans to loans | 1.5514% | 3,466 |
| Net loans and leases to total assets | 68.3970% | 4,392 |
| Net loans and leases to deposits | 108.0148% | 974 |
| Net loans and leases to core deposits | 148.5982% | 907 |
| Total domestic deposits to total assets | 63.3219% | 7,823 |
| Equity capital to assets | 12.5054% | 2,009 |
| Core capital (leverage) ratio | 8.0701% | 6,375 |
| Tier 1 risk-based capital ratio | 10.4940% | 6,213 |
| Total risk-based capital ratio | 11.7446% | 6,094 |
| Memoranda: | ||
| Average total assets | $3,701,933,000 | 222 |
| Average earning assets | $3,207,039,400 | 228 |
| Average equity | $467,229,400 | 196 |
| Average total loans | $2,591,334,600 | 224 |