| 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 | 5.6755% | 957 |
| Cost of funding earning assets | 1.4628% | 2,039 |
| Net interest margin | 4.2127% | 915 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.2917% | 2,872 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.6146% | 846 |
| Return on assets (ROA) | 1.6144% | 815 |
| Pretax return on assets | 1.9949% | 684 |
| Return on Equity (ROE) | 12.3300% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.1982% | 2,534 |
| Net charge-offs to loans | 0.1785% | 601 |
| Credit loss provision to net charge-offs | 145.9566% | 1,494 |
| Earnings coverage of net charge-offs (x) | 15.4466% | 2,044 |
| Efficiency ratio | 50.8490% | 3,920 |
| Assets per employee ($millions) | 7.6735% | 1,608 |
| Cash dividends to net income (ytd only)* | 57.8564% | 1,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4107% | 1,354 |
| Loan loss allowance to noncurrent loans | 470.5221% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 2,005 |
| Noncurrent loans to loans | 0.2998% | 2,108 |
| Net loans and leases to total assets | 79.0500% | 757 |
| Net loans and leases to deposits | 100.0401% | 535 |
| Net loans and leases to core deposits | 110.7012% | 932 |
| Total domestic deposits to total assets | 79.0100% | 3,611 |
| Equity capital to assets | 13.2880% | 805 |
| Core capital (leverage) ratio | 10.7910% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7635% | 1,604 |
| Memoranda: |
| Average total assets | $9,308,976,200 | 171 |
| Average earning assets | $8,418,130,800 | 166 |
| Average equity | $1,218,417,600 | 144 |
| Average total loans | $7,384,990,200 | 156 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6052% | 907 |
| Cost of funding earning assets | 1.3251% | 2,075 |
| Net interest margin | 4.2801% | 825 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.2520% | 2,942 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.6143% | 920 |
| Return on assets (ROA) | 1.6140% | 907 |
| Pretax return on assets | 1.9897% | 758 |
| Return on Equity (ROE) | 12.3800% | 2,033 |
| Retained earnings to average equity (ytd only) | 4.4977% | 3,105 |
| Net charge-offs to loans | 0.1742% | 497 |
| Credit loss provision to net charge-offs | 165.8718% | 1,249 |
| Earnings coverage of net charge-offs (x) | 16.2127% | 1,939 |
| Efficiency ratio | 49.8752% | 3,921 |
| Assets per employee ($millions) | 7.7286% | 1,494 |
| Cash dividends to net income (ytd only)* | 63.6692% | 830 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4396% | 1,290 |
| Loan loss allowance to noncurrent loans | 853.5616% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,430 |
| Noncurrent loans to loans | 0.1687% | 2,694 |
| Net loans and leases to total assets | 78.3100% | 848 |
| Net loans and leases to deposits | 102.2905% | 421 |
| Net loans and leases to core deposits | 109.6345% | 884 |
| Total domestic deposits to total assets | 76.5600% | 3,968 |
| Equity capital to assets | 12.8021% | 855 |
| Core capital (leverage) ratio | 10.7205% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5341% | 1,699 |
| Memoranda: |
| Average total assets | $9,249,773,500 | 172 |
| Average earning assets | $8,351,488,000 | 167 |
| Average equity | $1,205,911,750 | 147 |
| Average total loans | $7,317,864,250 | 157 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5039% | 825 |
| Cost of funding earning assets | 1.1785% | 2,056 |
| Net interest margin | 4.3254% | 778 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.2345% | 2,983 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.6813% | 817 |
| Return on assets (ROA) | 1.6808% | 820 |
| Pretax return on assets | 2.0711% | 662 |
| Return on Equity (ROE) | 12.8100% | 1,943 |
| Retained earnings to average equity (ytd only) | 3.5438% | 3,337 |
| Net charge-offs to loans | 0.1614% | 485 |
| Credit loss provision to net charge-offs | 165.7724% | 1,140 |
| Earnings coverage of net charge-offs (x) | 18.2061% | 1,768 |
| Efficiency ratio | 48.7281% | 4,019 |
| Assets per employee ($millions) | 7.6524% | 1,507 |
| Cash dividends to net income (ytd only)* | 72.3424% | 695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4447% | 1,372 |
| Loan loss allowance to noncurrent loans | 738.5781% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,222 |
| Noncurrent loans to loans | 0.1956% | 2,484 |
| Net loans and leases to total assets | 78.0400% | 827 |
| Net loans and leases to deposits | 100.7034% | 484 |
| Net loans and leases to core deposits | 106.3241% | 969 |
| Total domestic deposits to total assets | 77.5000% | 3,895 |
| Equity capital to assets | 13.0170% | 808 |
| Core capital (leverage) ratio | 10.6947% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5486% | 1,711 |
| Memoranda: |
| Average total assets | $9,179,780,667 | 168 |
| Average earning assets | $8,290,877,333 | 163 |
| Average equity | $1,204,199,000 | 145 |
| Average total loans | $7,251,760,667 | 152 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3662% | 768 |
| Cost of funding earning assets | 1.0111% | 2,008 |
| Net interest margin | 4.3551% | 741 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.2882% | 2,848 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.7981% | 672 |
| Return on assets (ROA) | 1.7978% | 666 |
| Pretax return on assets | 2.2297% | 544 |
| Return on Equity (ROE) | 13.6500% | 1,845 |
| Retained earnings to average equity (ytd only) | 8.5077% | 2,079 |
| Net charge-offs to loans | -0.2835% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.8695% | 3,951 |
| Assets per employee ($millions) | 7.7808% | 1,471 |
| Cash dividends to net income (ytd only)* | 37.6821% | 1,519 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4910% | 1,301 |
| Loan loss allowance to noncurrent loans | 438.6991% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,656 |
| Noncurrent loans to loans | 0.3399% | 1,928 |
| Net loans and leases to total assets | 77.7300% | 794 |
| Net loans and leases to deposits | 99.6483% | 459 |
| Net loans and leases to core deposits | 104.1836% | 913 |
| Total domestic deposits to total assets | 78.0100% | 4,008 |
| Equity capital to assets | 13.3307% | 693 |
| Core capital (leverage) ratio | 10.7965% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6626% | 1,743 |
| Memoranda: |
| Average total assets | $9,147,637,000 | 175 |
| Average earning assets | $8,264,916,500 | 170 |
| Average equity | $1,204,649,000 | 148 |
| Average total loans | $7,217,565,000 | 157 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0577% | 1,566 |
| Cost of funding earning assets | 0.2728% | 3,126 |
| Net interest margin | 3.7849% | 1,188 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.1355% | 3,203 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5188% | 839 |
| Return on assets (ROA) | 1.5203% | 811 |
| Pretax return on assets | 1.8965% | 593 |
| Return on Equity (ROE) | 11.8200% | 2,207 |
| Retained earnings to average equity (ytd only) | 6.7196% | 2,357 |
| Net charge-offs to loans | 0.0368% | 1,357 |
| Credit loss provision to net charge-offs | 206.5125% | 1,099 |
| Earnings coverage of net charge-offs (x) | 70.4516% | 1,155 |
| Efficiency ratio | 51.4212% | 4,033 |
| Assets per employee ($millions) | 7.7040% | 1,484 |
| Cash dividends to net income (ytd only)* | 43.1636% | 1,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4106% | 1,462 |
| Loan loss allowance to noncurrent loans | 531.9127% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 1,937 |
| Noncurrent loans to loans | 0.2652% | 2,205 |
| Net loans and leases to total assets | 77.7800% | 819 |
| Net loans and leases to deposits | 97.9106% | 529 |
| Net loans and leases to core deposits | 100.9560% | 947 |
| Total domestic deposits to total assets | 79.4400% | 3,949 |
| Equity capital to assets | 13.0058% | 705 |
| Core capital (leverage) ratio | 10.7321% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3312% | 1,838 |
| Memoranda: |
| Average total assets | $9,208,119,800 | 172 |
| Average earning assets | $8,381,621,800 | 167 |
| Average equity | $1,184,110,400 | 152 |
| Average total loans | $7,058,183,000 | 157 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7607% | 1,857 |
| Cost of funding earning assets | 0.1551% | 3,795 |
| Net interest margin | 3.6055% | 1,376 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.0992% | 3,212 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4209% | 1,029 |
| Return on assets (ROA) | 1.4230% | 998 |
| Pretax return on assets | 1.7729% | 775 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.3538% | 2,615 |
| Net charge-offs to loans | 0.0320% | 1,201 |
| Credit loss provision to net charge-offs | 166.3501% | 1,075 |
| Earnings coverage of net charge-offs (x) | 75.8409% | 1,071 |
| Efficiency ratio | 52.7968% | 3,942 |
| Assets per employee ($millions) | 7.6403% | 1,523 |
| Cash dividends to net income (ytd only)* | 42.7426% | 1,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4045% | 1,594 |
| Loan loss allowance to noncurrent loans | 437.6959% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 1,654 |
| Noncurrent loans to loans | 0.3209% | 2,090 |
| Net loans and leases to total assets | 78.3500% | 679 |
| Net loans and leases to deposits | 94.3232% | 620 |
| Net loans and leases to core deposits | 97.2013% | 944 |
| Total domestic deposits to total assets | 83.0700% | 3,679 |
| Equity capital to assets | 12.9691% | 680 |
| Core capital (leverage) ratio | 10.4800% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1088% | 2,015 |
| Memoranda: |
| Average total assets | $9,233,603,750 | 174 |
| Average earning assets | $8,419,429,250 | 167 |
| Average equity | $1,184,056,000 | 151 |
| Average total loans | $7,026,732,500 | 156 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4588% | 2,262 |
| Cost of funding earning assets | 0.0979% | 4,210 |
| Net interest margin | 3.3609% | 1,715 |
| Noninterest income to average assets | 0.6415% | 1,579 |
| Noninterest expense to average assets | 2.0535% | 3,286 |
| Loan and lease loss provision to assets | 0.0577% | 1,551 |
| Net operating income to assets | 1.2882% | 1,173 |
| Return on assets (ROA) | 1.2882% | 1,157 |
| Pretax return on assets | 1.6045% | 923 |
| Return on Equity (ROE) | 10.0819% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.3910% | 2,560 |
| Net charge-offs to loans | 0.0278% | 1,165 |
| Credit loss provision to net charge-offs | 50.6667% | 1,492 |
| Earnings coverage of net charge-offs (x) | 79.5723% | 936 |
| Efficiency ratio | 54.8160% | 3,883 |
| Assets per employee ($millions) | 7.7229% | 1,461 |
| Cash dividends to net income (ytd only)* | 46.5286% | 1,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3930% | 1,786 |
| Loan loss allowance to noncurrent loans | 308.7175% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 1,332 |
| Noncurrent loans to loans | 0.4512% | 1,766 |
| Net loans and leases to total assets | 76.3293% | 696 |
| Net loans and leases to deposits | 91.0884% | 656 |
| Net loans and leases to core deposits | 93.7717% | 926 |
| Total domestic deposits to total assets | 83.7970% | 3,728 |
| Equity capital to assets | 12.9909% | 667 |
| Core capital (leverage) ratio | 9.9711% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8855% | 2,106 |
| Memoranda: |
| Average total assets | $9,334,286,000 | 170 |
| Average earning assets | $8,538,256,333 | 166 |
| Average equity | $1,192,626,667 | 150 |
| Average total loans | $7,002,991,667 | 154 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2352% | 2,583 |
| Cost of funding earning assets | 0.0969% | 4,175 |
| Net interest margin | 3.1383% | 2,060 |
| Noninterest income to average assets | 0.6873% | 1,356 |
| Noninterest expense to average assets | 2.0071% | 3,408 |
| Loan and lease loss provision to assets | -0.0217% | 4,454 |
| Net operating income to assets | 1.2764% | 1,054 |
| Return on assets (ROA) | 1.2765% | 1,047 |
| Pretax return on assets | 1.5792% | 863 |
| Return on Equity (ROE) | 10.0717% | 1,941 |
| Retained earnings to average equity (ytd only) | 5.4697% | 2,421 |
| Net charge-offs to loans | -0.1167% | 4,497 |
| Credit loss provision to net charge-offs | 34.2661% | 1,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8343% | 3,892 |
| Assets per employee ($millions) | 8.0918% | 1,314 |
| Cash dividends to net income (ytd only)* | 45.6920% | 1,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4345% | 1,779 |
| Loan loss allowance to noncurrent loans | 186.2696% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 925 |
| Noncurrent loans to loans | 0.7701% | 1,237 |
| Net loans and leases to total assets | 72.8269% | 759 |
| Net loans and leases to deposits | 86.1137% | 732 |
| Net loans and leases to core deposits | 88.6681% | 986 |
| Total domestic deposits to total assets | 84.5706% | 3,642 |
| Equity capital to assets | 12.5833% | 787 |
| Core capital (leverage) ratio | 9.5507% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7943% | 2,309 |
| Memoranda: |
| Average total assets | $9,452,644,000 | 168 |
| Average earning assets | $8,666,125,000 | 164 |
| Average equity | $1,198,010,000 | 153 |
| Average total loans | $6,983,385,000 | 154 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4021% | 2,924 |
| Cost of funding earning assets | 0.1383% | 4,083 |
| Net interest margin | 3.2638% | 2,428 |
| Noninterest income to average assets | 0.7277% | 1,671 |
| Noninterest expense to average assets | 2.0178% | 3,623 |
| Loan and lease loss provision to assets | 0.1737% | 662 |
| Net operating income to assets | 1.2251% | 1,836 |
| Return on assets (ROA) | 1.2252% | 1,884 |
| Pretax return on assets | 1.5083% | 1,695 |
| Return on Equity (ROE) | 9.5841% | 2,687 |
| Retained earnings to average equity (ytd only) | 4.7791% | 2,877 |
| Net charge-offs to loans | 0.4873% | 169 |
| Credit loss provision to net charge-offs | 44.8711% | 2,170 |
| Earnings coverage of net charge-offs (x) | 4.5463% | 2,486 |
| Efficiency ratio | 54.0264% | 3,925 |
| Assets per employee ($millions) | 8.1710% | 1,233 |
| Cash dividends to net income (ytd only)* | 50.1351% | 1,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4079% | 1,894 |
| Loan loss allowance to noncurrent loans | 148.7019% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 700 |
| Noncurrent loans to loans | 0.9468% | 1,068 |
| Net loans and leases to total assets | 72.8284% | 778 |
| Net loans and leases to deposits | 86.2081% | 767 |
| Net loans and leases to core deposits | 88.9681% | 1,017 |
| Total domestic deposits to total assets | 84.4798% | 3,429 |
| Equity capital to assets | 12.7638% | 973 |
| Core capital (leverage) ratio | 9.4558% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4528% | 2,474 |
| Memoranda: |
| Average total assets | $9,333,701,800 | 170 |
| Average earning assets | $8,499,269,200 | 165 |
| Average equity | $1,193,211,800 | 152 |
| Average total loans | $7,086,250,200 | 155 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4386% | 2,990 |
| Cost of funding earning assets | 0.1471% | 4,136 |
| Net interest margin | 3.2916% | 2,438 |
| Noninterest income to average assets | 0.7290% | 1,734 |
| Noninterest expense to average assets | 1.9814% | 3,738 |
| Loan and lease loss provision to assets | 0.1303% | 888 |
| Net operating income to assets | 1.3050% | 1,814 |
| Return on assets (ROA) | 1.3053% | 1,867 |
| Pretax return on assets | 1.6107% | 1,663 |
| Return on Equity (ROE) | 10.2061% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.3228% | 3,094 |
| Net charge-offs to loans | 0.3166% | 247 |
| Credit loss provision to net charge-offs | 45.1022% | 1,887 |
| Earnings coverage of net charge-offs (x) | 7.1928% | 2,150 |
| Efficiency ratio | 52.7209% | 3,955 |
| Assets per employee ($millions) | 8.1699% | 1,191 |
| Cash dividends to net income (ytd only)* | 47.8466% | 1,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5535% | 1,452 |
| Loan loss allowance to noncurrent loans | 97.3372% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 427 |
| Noncurrent loans to loans | 1.5960% | 642 |
| Net loans and leases to total assets | 72.8257% | 794 |
| Net loans and leases to deposits | 86.2091% | 818 |
| Net loans and leases to core deposits | 89.6944% | 1,050 |
| Total domestic deposits to total assets | 84.4756% | 3,312 |
| Equity capital to assets | 12.7948% | 1,054 |
| Core capital (leverage) ratio | 9.3870% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6411% | 2,488 |
| Memoranda: |
| Average total assets | $9,297,539,250 | 171 |
| Average earning assets | $8,454,140,500 | 167 |
| Average equity | $1,189,065,750 | 151 |
| Average total loans | $7,107,434,750 | 155 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4807% | 2,936 |
| Cost of funding earning assets | 0.1581% | 4,138 |
| Net interest margin | 3.3226% | 2,371 |
| Noninterest income to average assets | 0.7376% | 1,694 |
| Noninterest expense to average assets | 1.9674% | 3,791 |
| Loan and lease loss provision to assets | 0.1231% | 1,019 |
| Net operating income to assets | 1.3469% | 1,718 |
| Return on assets (ROA) | 1.3475% | 1,797 |
| Pretax return on assets | 1.6657% | 1,574 |
| Return on Equity (ROE) | 10.5381% | 2,572 |
| Retained earnings to average equity (ytd only) | 6.1338% | 2,749 |
| Net charge-offs to loans | 0.3715% | 227 |
| Credit loss provision to net charge-offs | 39.9578% | 1,659 |
| Earnings coverage of net charge-offs (x) | 6.2284% | 1,967 |
| Efficiency ratio | 51.8697% | 4,059 |
| Assets per employee ($millions) | 8.2643% | 1,098 |
| Cash dividends to net income (ytd only)* | 41.7947% | 1,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5629% | 1,384 |
| Loan loss allowance to noncurrent loans | 97.3512% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 570 |
| Noncurrent loans to loans | 1.6054% | 683 |
| Net loans and leases to total assets | 72.7844% | 875 |
| Net loans and leases to deposits | 86.0114% | 911 |
| Net loans and leases to core deposits | 89.6445% | 1,164 |
| Total domestic deposits to total assets | 84.6218% | 3,253 |
| Equity capital to assets | 12.6458% | 1,064 |
| Core capital (leverage) ratio | 9.3281% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6748% | 2,482 |
| Memoranda: |
| Average total assets | $9,254,034,667 | 168 |
| Average earning assets | $8,405,431,667 | 167 |
| Average equity | $1,183,320,667 | 150 |
| Average total loans | $7,151,783,000 | 155 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6113% | 2,601 |
| Cost of funding earning assets | 0.1811% | 4,072 |
| Net interest margin | 3.4302% | 2,022 |
| Noninterest income to average assets | 0.7828% | 1,626 |
| Noninterest expense to average assets | 1.9796% | 3,787 |
| Loan and lease loss provision to assets | 0.1373% | 980 |
| Net operating income to assets | 1.4450% | 1,453 |
| Return on assets (ROA) | 1.4458% | 1,519 |
| Pretax return on assets | 1.7751% | 1,341 |
| Return on Equity (ROE) | 11.2426% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.9621% | 2,588 |
| Net charge-offs to loans | 0.3220% | 263 |
| Credit loss provision to net charge-offs | 56.7963% | 1,289 |
| Earnings coverage of net charge-offs (x) | 7.5126% | 1,609 |
| Efficiency ratio | 50.3617% | 4,156 |
| Assets per employee ($millions) | 8.2042% | 1,098 |
| Cash dividends to net income (ytd only)* | 38.0738% | 1,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5995% | 1,300 |
| Loan loss allowance to noncurrent loans | 85.1269% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.4675% | 439 |
| Noncurrent loans to loans | 1.8790% | 600 |
| Net loans and leases to total assets | 75.9750% | 633 |
| Net loans and leases to deposits | 89.8130% | 706 |
| Net loans and leases to core deposits | 93.8917% | 985 |
| Total domestic deposits to total assets | 84.5925% | 3,253 |
| Equity capital to assets | 12.6757% | 1,000 |
| Core capital (leverage) ratio | 9.5375% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6094% | 2,444 |
| Memoranda: |
| Average total assets | $9,137,342,500 | 169 |
| Average earning assets | $8,279,454,000 | 168 |
| Average equity | $1,175,103,000 | 152 |
| Average total loans | $7,220,175,000 | 154 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9161% | 2,984 |
| Cost of funding earning assets | 0.4815% | 3,071 |
| Net interest margin | 3.4346% | 2,655 |
| Noninterest income to average assets | 0.7130% | 1,820 |
| Noninterest expense to average assets | 2.0576% | 4,025 |
| Loan and lease loss provision to assets | 1.4498% | 46 |
| Net operating income to assets | 0.2892% | 4,448 |
| Return on assets (ROA) | 0.2889% | 4,513 |
| Pretax return on assets | 0.3044% | 4,537 |
| Return on Equity (ROE) | 2.2385% | 4,530 |
| Retained earnings to average equity (ytd only) | -2.3532% | 4,732 |
| Net charge-offs to loans | 1.4117% | 73 |
| Credit loss provision to net charge-offs | 127.1235% | 2,576 |
| Earnings coverage of net charge-offs (x) | 1.5384% | 3,245 |
| Efficiency ratio | 53.2427% | 4,287 |
| Assets per employee ($millions) | 7.6275% | 1,204 |
| Cash dividends to net income (ytd only)* | 205.1249% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6235% | 1,233 |
| Loan loss allowance to noncurrent loans | 79.8577% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 401 |
| Noncurrent loans to loans | 2.0330% | 556 |
| Net loans and leases to total assets | 79.5870% | 453 |
| Net loans and leases to deposits | 95.9561% | 554 |
| Net loans and leases to core deposits | 101.3880% | 840 |
| Total domestic deposits to total assets | 82.9411% | 3,429 |
| Equity capital to assets | 13.0527% | 1,069 |
| Core capital (leverage) ratio | 9.2713% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1385% | 2,574 |
| Memoranda: |
| Average total assets | $9,064,776,800 | 161 |
| Average earning assets | $8,179,172,200 | 160 |
| Average equity | $1,169,820,200 | 150 |
| Average total loans | $7,323,051,800 | 145 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9762% | 3,042 |
| Cost of funding earning assets | 0.5546% | 2,902 |
| Net interest margin | 3.4216% | 2,846 |
| Noninterest income to average assets | 0.7035% | 1,790 |
| Noninterest expense to average assets | 2.0344% | 4,079 |
| Loan and lease loss provision to assets | 1.8120% | 40 |
| Net operating income to assets | 0.0134% | 4,763 |
| Return on assets (ROA) | 0.0129% | 4,782 |
| Pretax return on assets | -0.0547% | 4,804 |
| Return on Equity (ROE) | 0.1000% | 4,783 |
| Retained earnings to average equity (ytd only) | -4.5441% | 4,832 |
| Net charge-offs to loans | 1.6731% | 64 |
| Credit loss provision to net charge-offs | 134.1061% | 2,421 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 3,079 |
| Efficiency ratio | 52.8931% | 4,263 |
| Assets per employee ($millions) | 7.7744% | 1,086 |
| Cash dividends to net income (ytd only)* | 4,641.9134% | 3 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6326% | 1,014 |
| Loan loss allowance to noncurrent loans | 143.0372% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 1,193 |
| Noncurrent loans to loans | 1.1413% | 1,330 |
| Net loans and leases to total assets | 79.4716% | 660 |
| Net loans and leases to deposits | 95.4356% | 803 |
| Net loans and leases to core deposits | 100.7371% | 1,113 |
| Total domestic deposits to total assets | 83.2725% | 3,071 |
| Equity capital to assets | 12.6116% | 1,371 |
| Core capital (leverage) ratio | 8.9681% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8919% | 2,653 |
| Memoranda: |
| Average total assets | $9,092,297,000 | 157 |
| Average earning assets | $8,208,229,500 | 159 |
| Average equity | $1,170,067,500 | 151 |
| Average total loans | $7,342,717,750 | 144 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0993% | 3,056 |
| Cost of funding earning assets | 0.6580% | 2,639 |
| Net interest margin | 3.4413% | 2,970 |
| Noninterest income to average assets | 0.6822% | 1,801 |
| Noninterest expense to average assets | 2.0366% | 4,157 |
| Loan and lease loss provision to assets | 2.3004% | 45 |
| Net operating income to assets | -0.3646% | 4,894 |
| Return on assets (ROA) | -0.3654% | 4,895 |
| Pretax return on assets | -0.5447% | 4,903 |
| Return on Equity (ROE) | -2.8204% | 4,890 |
| Retained earnings to average equity (ytd only) | -9.4202% | 4,907 |
| Net charge-offs to loans | 2.1648% | 58 |
| Credit loss provision to net charge-offs | 131.6008% | 2,226 |
| Earnings coverage of net charge-offs (x) | 1.0050% | 2,892 |
| Efficiency ratio | 52.9425% | 4,282 |
| Assets per employee ($millions) | 8.9547% | 686 |
| Cash dividends to net income (ytd only)* | -233.9995% | 5,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5154% | 1,217 |
| Loan loss allowance to noncurrent loans | 124.1526% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 1,197 |
| Noncurrent loans to loans | 1.2206% | 1,286 |
| Net loans and leases to total assets | 78.7655% | 749 |
| Net loans and leases to deposits | 94.5130% | 910 |
| Net loans and leases to core deposits | 103.4564% | 1,037 |
| Total domestic deposits to total assets | 83.3383% | 2,979 |
| Equity capital to assets | 12.0694% | 1,622 |
| Core capital (leverage) ratio | 8.6424% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3314% | 2,879 |
| Memoranda: |
| Average total assets | $9,065,116,667 | 158 |
| Average earning assets | $8,195,125,667 | 158 |
| Average equity | $1,174,435,333 | 150 |
| Average total loans | $7,319,759,667 | 147 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3625% | 2,739 |
| Cost of funding earning assets | 0.8500% | 2,113 |
| Net interest margin | 3.5125% | 2,941 |
| Noninterest income to average assets | 0.6755% | 1,749 |
| Noninterest expense to average assets | 2.1610% | 4,097 |
| Loan and lease loss provision to assets | 0.8313% | 287 |
| Net operating income to assets | 0.7133% | 3,230 |
| Return on assets (ROA) | 0.7115% | 3,315 |
| Pretax return on assets | 0.8597% | 3,253 |
| Return on Equity (ROE) | 5.2987% | 3,538 |
| Retained earnings to average equity (ytd only) | -3.3666% | 4,392 |
| Net charge-offs to loans | 0.6199% | 238 |
| Credit loss provision to net charge-offs | 165.2384% | 1,536 |
| Earnings coverage of net charge-offs (x) | 3.3655% | 2,222 |
| Efficiency ratio | 55.3291% | 4,278 |
| Assets per employee ($millions) | 7.9993% | 734 |
| Cash dividends to net income (ytd only)* | 163.5355% | 405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3351% | 1,982 |
| Loan loss allowance to noncurrent loans | 122.4523% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 1,459 |
| Noncurrent loans to loans | 1.0903% | 1,526 |
| Net loans and leases to total assets | 79.6022% | 743 |
| Net loans and leases to deposits | 101.2484% | 479 |
| Net loans and leases to core deposits | 112.3191% | 740 |
| Total domestic deposits to total assets | 78.6207% | 4,117 |
| Equity capital to assets | 13.1577% | 1,362 |
| Core capital (leverage) ratio | 9.7871% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3454% | 2,991 |
| Memoranda: |
| Average total assets | $8,869,586,500 | 157 |
| Average earning assets | $8,026,903,000 | 157 |
| Average equity | $1,191,001,000 | 150 |
| Average total loans | $7,198,231,000 | 147 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5951% | 2,635 |
| Cost of funding earning assets | 1.0389% | 1,563 |
| Net interest margin | 3.5563% | 3,266 |
| Noninterest income to average assets | 0.7360% | 1,679 |
| Noninterest expense to average assets | 2.1886% | 4,182 |
| Loan and lease loss provision to assets | 0.1954% | 1,037 |
| Net operating income to assets | 1.3421% | 1,535 |
| Return on assets (ROA) | 1.3420% | 1,615 |
| Pretax return on assets | 1.6078% | 1,466 |
| Return on Equity (ROE) | 10.2514% | 2,184 |
| Retained earnings to average equity (ytd only) | 4.2826% | 2,818 |
| Net charge-offs to loans | 0.2181% | 936 |
| Credit loss provision to net charge-offs | 108.9996% | 2,287 |
| Earnings coverage of net charge-offs (x) | 10.0612% | 2,601 |
| Efficiency ratio | 54.5519% | 4,372 |
| Assets per employee ($millions) | 7.2839% | 943 |
| Cash dividends to net income (ytd only)* | 58.2238% | 1,655 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8712% | 4,078 |
| Loan loss allowance to noncurrent loans | 107.6279% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 1,847 |
| Noncurrent loans to loans | 0.8094% | 1,889 |
| Net loans and leases to total assets | 80.9353% | 675 |
| Net loans and leases to deposits | 100.5125% | 568 |
| Net loans and leases to core deposits | 111.7411% | 763 |
| Total domestic deposits to total assets | 80.5226% | 3,871 |
| Equity capital to assets | 13.7057% | 1,207 |
| Core capital (leverage) ratio | 10.0450% | 3,465 |
| Tier 1 risk-based capital ratio | 11.5548% | 4,601 |
| Total risk-based capital ratio | 12.8073% | 4,480 |
| Memoranda: |
| Average total assets | $7,613,392,400 | 167 |
| Average earning assets | $6,970,088,400 | 163 |
| Average equity | $996,675,200 | 167 |
| Average total loans | $6,255,011,200 | 154 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7217% | 2,358 |
| Cost of funding earning assets | 1.0863% | 1,399 |
| Net interest margin | 3.6354% | 3,154 |
| Noninterest income to average assets | 0.7327% | 1,654 |
| Noninterest expense to average assets | 2.1202% | 4,327 |
| Loan and lease loss provision to assets | 0.2322% | 728 |
| Net operating income to assets | 1.4447% | 1,345 |
| Return on assets (ROA) | 1.4450% | 1,395 |
| Pretax return on assets | 1.7120% | 1,307 |
| Return on Equity (ROE) | 11.1947% | 1,930 |
| Retained earnings to average equity (ytd only) | 4.4969% | 3,145 |
| Net charge-offs to loans | 0.2574% | 687 |
| Credit loss provision to net charge-offs | 109.6068% | 2,097 |
| Earnings coverage of net charge-offs (x) | 9.1746% | 2,590 |
| Efficiency ratio | 51.9414% | 4,599 |
| Assets per employee ($millions) | 7.1886% | 958 |
| Cash dividends to net income (ytd only)* | 59.8298% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0012% | 3,565 |
| Loan loss allowance to noncurrent loans | 124.2723% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 1,985 |
| Noncurrent loans to loans | 0.8056% | 1,958 |
| Net loans and leases to total assets | 81.2947% | 661 |
| Net loans and leases to deposits | 102.5514% | 476 |
| Net loans and leases to core deposits | 113.4812% | 779 |
| Total domestic deposits to total assets | 79.2721% | 4,127 |
| Equity capital to assets | 12.8805% | 1,696 |
| Core capital (leverage) ratio | 9.8019% | 3,854 |
| Tier 1 risk-based capital ratio | 11.0503% | 4,889 |
| Total risk-based capital ratio | 12.4810% | 4,695 |
| Memoranda: |
| Average total assets | $7,329,751,250 | 171 |
| Average earning assets | $6,716,933,250 | 169 |
| Average equity | $946,102,750 | 170 |
| Average total loans | $6,033,162,000 | 155 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7463% | 2,238 |
| Cost of funding earning assets | 1.0930% | 1,323 |
| Net interest margin | 3.6532% | 3,094 |
| Noninterest income to average assets | 0.7256% | 1,620 |
| Noninterest expense to average assets | 2.1751% | 4,282 |
| Loan and lease loss provision to assets | 0.2165% | 773 |
| Net operating income to assets | 1.4196% | 1,379 |
| Return on assets (ROA) | 1.4206% | 1,426 |
| Pretax return on assets | 1.6900% | 1,290 |
| Return on Equity (ROE) | 10.9979% | 1,973 |
| Retained earnings to average equity (ytd only) | 3.3182% | 3,567 |
| Net charge-offs to loans | 0.2467% | 687 |
| Credit loss provision to net charge-offs | 106.5527% | 1,880 |
| Earnings coverage of net charge-offs (x) | 9.3762% | 2,341 |
| Efficiency ratio | 53.0731% | 4,555 |
| Assets per employee ($millions) | 6.9307% | 1,034 |
| Cash dividends to net income (ytd only)* | 69.8292% | 1,111 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0176% | 3,514 |
| Loan loss allowance to noncurrent loans | 136.5381% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 2,137 |
| Noncurrent loans to loans | 0.7453% | 2,126 |
| Net loans and leases to total assets | 81.7055% | 651 |
| Net loans and leases to deposits | 101.9490% | 542 |
| Net loans and leases to core deposits | 113.8585% | 782 |
| Total domestic deposits to total assets | 80.1435% | 4,014 |
| Equity capital to assets | 13.0430% | 1,564 |
| Core capital (leverage) ratio | 9.7092% | 3,926 |
| Tier 1 risk-based capital ratio | 11.2034% | 4,829 |
| Total risk-based capital ratio | 12.6772% | 4,616 |
| Memoranda: |
| Average total assets | $7,254,582,670 | 173 |
| Average earning assets | $6,662,188,000 | 170 |
| Average equity | $937,084,330 | 171 |
| Average total loans | $5,976,170,670 | 157 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7321% | 2,108 |
| Cost of funding earning assets | 1.0800% | 1,255 |
| Net interest margin | 3.6521% | 3,068 |
| Noninterest income to average assets | 0.7021% | 1,607 |
| Noninterest expense to average assets | 2.1548% | 4,362 |
| Loan and lease loss provision to assets | 0.3129% | 403 |
| Net operating income to assets | 1.3431% | 1,543 |
| Return on assets (ROA) | 1.3450% | 1,582 |
| Pretax return on assets | 1.5931% | 1,488 |
| Return on Equity (ROE) | 10.4639% | 2,169 |
| Retained earnings to average equity (ytd only) | -0.1077% | 4,542 |
| Net charge-offs to loans | 0.3524% | 442 |
| Credit loss provision to net charge-offs | 107.8877% | 1,510 |
| Earnings coverage of net charge-offs (x) | 6.5649% | 2,186 |
| Efficiency ratio | 52.8445% | 4,627 |
| Assets per employee ($millions) | 7.0082% | 1,000 |
| Cash dividends to net income (ytd only)* | 101.0294% | 611 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0341% | 3,503 |
| Loan loss allowance to noncurrent loans | 128.0688% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 1,998 |
| Noncurrent loans to loans | 0.8075% | 2,021 |
| Net loans and leases to total assets | 81.4922% | 646 |
| Net loans and leases to deposits | 100.5269% | 595 |
| Net loans and leases to core deposits | 113.6029% | 757 |
| Total domestic deposits to total assets | 81.0650% | 3,957 |
| Equity capital to assets | 12.9153% | 1,504 |
| Core capital (leverage) ratio | 9.5205% | 4,108 |
| Tier 1 risk-based capital ratio | 11.1866% | 4,894 |
| Total risk-based capital ratio | 12.6896% | 4,676 |
| Memoranda: |
| Average total assets | $7,222,478,000 | 175 |
| Average earning assets | $6,637,521,000 | 172 |
| Average equity | $928,332,500 | 173 |
| Average total loans | $5,943,588,500 | 159 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4492% | 2,611 |
| Cost of funding earning assets | 0.8336% | 1,366 |
| Net interest margin | 3.6157% | 3,324 |
| Noninterest income to average assets | 0.7483% | 1,649 |
| Noninterest expense to average assets | 2.0459% | 4,667 |
| Loan and lease loss provision to assets | 0.2116% | 877 |
| Net operating income to assets | 1.5446% | 1,007 |
| Return on assets (ROA) | 1.5445% | 1,000 |
| Pretax return on assets | 1.8128% | 888 |
| Return on Equity (ROE) | 12.3421% | 1,601 |
| Retained earnings to average equity (ytd only) | 7.7133% | 1,369 |
| Net charge-offs to loans | 0.1788% | 1,075 |
| Credit loss provision to net charge-offs | 144.3354% | 1,885 |
| Earnings coverage of net charge-offs (x) | 13.8070% | 2,421 |
| Efficiency ratio | 49.9626% | 4,943 |
| Assets per employee ($millions) | 6.9553% | 994 |
| Cash dividends to net income (ytd only)* | 37.5040% | 2,661 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0253% | 3,524 |
| Loan loss allowance to noncurrent loans | 132.3899% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 2,027 |
| Noncurrent loans to loans | 0.7745% | 2,069 |
| Net loans and leases to total assets | 81.3990% | 751 |
| Net loans and leases to deposits | 103.6114% | 502 |
| Net loans and leases to core deposits | 118.5548% | 597 |
| Total domestic deposits to total assets | 78.5618% | 4,399 |
| Equity capital to assets | 12.7916% | 1,442 |
| Core capital (leverage) ratio | 9.6312% | 3,970 |
| Tier 1 risk-based capital ratio | 11.2327% | 4,845 |
| Total risk-based capital ratio | 12.7343% | 4,636 |
| Memoranda: |
| Average total assets | $7,084,859,400 | 177 |
| Average earning assets | $6,509,708,800 | 173 |
| Average equity | $886,583,000 | 175 |
| Average total loans | $5,810,156,400 | 160 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3890% | 2,666 |
| Cost of funding earning assets | 0.7789% | 1,432 |
| Net interest margin | 3.6101% | 3,332 |
| Noninterest income to average assets | 0.7677% | 1,589 |
| Noninterest expense to average assets | 2.0565% | 4,639 |
| Loan and lease loss provision to assets | 0.2323% | 697 |
| Net operating income to assets | 1.5377% | 1,099 |
| Return on assets (ROA) | 1.5379% | 1,098 |
| Pretax return on assets | 1.7950% | 1,023 |
| Return on Equity (ROE) | 12.3604% | 1,656 |
| Retained earnings to average equity (ytd only) | 8.1919% | 1,561 |
| Net charge-offs to loans | 0.1873% | 893 |
| Credit loss provision to net charge-offs | 151.3497% | 1,692 |
| Earnings coverage of net charge-offs (x) | 13.2072% | 2,387 |
| Efficiency ratio | 50.0558% | 4,940 |
| Assets per employee ($millions) | 6.8471% | 999 |
| Cash dividends to net income (ytd only)* | 33.7245% | 2,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0419% | 3,516 |
| Loan loss allowance to noncurrent loans | 291.9909% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,331 |
| Noncurrent loans to loans | 0.3568% | 3,373 |
| Net loans and leases to total assets | 81.1578% | 850 |
| Net loans and leases to deposits | 104.8619% | 493 |
| Net loans and leases to core deposits | 118.2873% | 635 |
| Total domestic deposits to total assets | 77.3950% | 4,580 |
| Equity capital to assets | 12.7087% | 1,464 |
| Core capital (leverage) ratio | 9.5734% | 4,090 |
| Tier 1 risk-based capital ratio | 11.1244% | 4,980 |
| Total risk-based capital ratio | 12.6378% | 4,739 |
| Memoranda: |
| Average total assets | $7,047,692,000 | 177 |
| Average earning assets | $6,473,229,000 | 173 |
| Average equity | $876,907,250 | 176 |
| Average total loans | $5,775,440,750 | 158 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3166% | 2,706 |
| Cost of funding earning assets | 0.7346% | 1,445 |
| Net interest margin | 3.5820% | 3,379 |
| Noninterest income to average assets | 0.7819% | 1,530 |
| Noninterest expense to average assets | 2.0380% | 4,722 |
| Loan and lease loss provision to assets | 0.3360% | 399 |
| Net operating income to assets | 1.4042% | 1,427 |
| Return on assets (ROA) | 1.4046% | 1,427 |
| Pretax return on assets | 1.6996% | 1,215 |
| Return on Equity (ROE) | 11.3708% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.1036% | 2,028 |
| Net charge-offs to loans | 0.2669% | 599 |
| Credit loss provision to net charge-offs | 153.6671% | 1,559 |
| Earnings coverage of net charge-offs (x) | 9.3081% | 2,405 |
| Efficiency ratio | 49.7072% | 5,038 |
| Assets per employee ($millions) | 6.7983% | 1,017 |
| Cash dividends to net income (ytd only)* | 37.5278% | 2,256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0452% | 3,559 |
| Loan loss allowance to noncurrent loans | 283.1602% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,377 |
| Noncurrent loans to loans | 0.3691% | 3,369 |
| Net loans and leases to total assets | 80.9578% | 864 |
| Net loans and leases to deposits | 105.7551% | 450 |
| Net loans and leases to core deposits | 118.9462% | 591 |
| Total domestic deposits to total assets | 76.5522% | 4,793 |
| Equity capital to assets | 12.4336% | 1,575 |
| Core capital (leverage) ratio | 9.1933% | 4,470 |
| Tier 1 risk-based capital ratio | 10.7454% | 5,169 |
| Total risk-based capital ratio | 12.2596% | 4,952 |
| Memoranda: |
| Average total assets | $7,034,670,670 | 176 |
| Average earning assets | $6,463,569,670 | 173 |
| Average equity | $868,998,330 | 175 |
| Average total loans | $5,763,249,670 | 157 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2172% | 2,830 |
| Cost of funding earning assets | 0.6728% | 1,582 |
| Net interest margin | 3.5444% | 3,368 |
| Noninterest income to average assets | 0.8256% | 1,375 |
| Noninterest expense to average assets | 2.0431% | 4,770 |
| Loan and lease loss provision to assets | 0.1410% | 1,337 |
| Net operating income to assets | 1.5463% | 962 |
| Return on assets (ROA) | 1.5469% | 969 |
| Pretax return on assets | 1.9003% | 723 |
| Return on Equity (ROE) | 12.5637% | 1,392 |
| Retained earnings to average equity (ytd only) | 9.0114% | 1,457 |
| Net charge-offs to loans | -0.0128% | 4,353 |
| Credit loss provision to net charge-offs | -1,343.4783% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6746% | 5,104 |
| Assets per employee ($millions) | 6.7455% | 1,069 |
| Cash dividends to net income (ytd only)* | 28.2749% | 2,202 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0298% | 3,782 |
| Loan loss allowance to noncurrent loans | 276.7565% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,455 |
| Noncurrent loans to loans | 0.3721% | 3,450 |
| Net loans and leases to total assets | 81.2050% | 761 |
| Net loans and leases to deposits | 104.8985% | 434 |
| Net loans and leases to core deposits | 117.7269% | 665 |
| Total domestic deposits to total assets | 77.4130% | 4,813 |
| Equity capital to assets | 12.4461% | 1,509 |
| Core capital (leverage) ratio | 9.0670% | 4,608 |
| Tier 1 risk-based capital ratio | 10.5986% | 5,322 |
| Total risk-based capital ratio | 12.0949% | 5,116 |
| Memoranda: |
| Average total assets | $7,013,496,500 | 177 |
| Average earning assets | $6,447,016,500 | 173 |
| Average equity | $863,533,000 | 174 |
| Average total loans | $5,749,915,000 | 158 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0302% | 3,304 |
| Cost of funding earning assets | 0.5260% | 2,127 |
| Net interest margin | 3.5042% | 3,515 |
| Noninterest income to average assets | 0.7931% | 1,589 |
| Noninterest expense to average assets | 2.0937% | 4,779 |
| Loan and lease loss provision to assets | 0.1971% | 1,058 |
| Net operating income to assets | 1.0490% | 2,054 |
| Return on assets (ROA) | 1.0400% | 2,124 |
| Pretax return on assets | 1.7023% | 1,001 |
| Return on Equity (ROE) | 8.6947% | 2,453 |
| Retained earnings to average equity (ytd only) | 4.8524% | 2,218 |
| Net charge-offs to loans | 0.1783% | 1,401 |
| Credit loss provision to net charge-offs | 135.2065% | 1,959 |
| Earnings coverage of net charge-offs (x) | 13.1241% | 2,423 |
| Efficiency ratio | 51.8118% | 5,115 |
| Assets per employee ($millions) | 6.5173% | 1,200 |
| Cash dividends to net income (ytd only)* | 44.1916% | 2,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9780% | 4,061 |
| Loan loss allowance to noncurrent loans | 235.5669% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 3,480 |
| Noncurrent loans to loans | 0.4152% | 3,285 |
| Net loans and leases to total assets | 81.1165% | 816 |
| Net loans and leases to deposits | 104.7777% | 457 |
| Net loans and leases to core deposits | 117.9257% | 656 |
| Total domestic deposits to total assets | 77.4177% | 4,805 |
| Equity capital to assets | 12.1797% | 1,712 |
| Core capital (leverage) ratio | 8.5243% | 5,115 |
| Tier 1 risk-based capital ratio | 10.2860% | 5,451 |
| Total risk-based capital ratio | 11.7617% | 5,271 |
| Memoranda: |
| Average total assets | $7,042,663,000 | 170 |
| Average earning assets | $6,459,520,200 | 166 |
| Average equity | $842,428,600 | 168 |
| Average total loans | $5,758,392,000 | 155 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9748% | 3,445 |
| Cost of funding earning assets | 0.4995% | 2,267 |
| Net interest margin | 3.4753% | 3,587 |
| Noninterest income to average assets | 0.7873% | 1,631 |
| Noninterest expense to average assets | 2.0789% | 4,781 |
| Loan and lease loss provision to assets | 0.2442% | 712 |
| Net operating income to assets | 1.1963% | 1,708 |
| Return on assets (ROA) | 1.1963% | 1,741 |
| Pretax return on assets | 1.6505% | 1,242 |
| Return on Equity (ROE) | 10.0464% | 2,112 |
| Retained earnings to average equity (ytd only) | 6.1200% | 2,156 |
| Net charge-offs to loans | 0.2076% | 1,032 |
| Credit loss provision to net charge-offs | 143.9201% | 1,742 |
| Earnings coverage of net charge-offs (x) | 11.1666% | 2,519 |
| Efficiency ratio | 51.8626% | 5,107 |
| Assets per employee ($millions) | 6.6938% | 1,074 |
| Cash dividends to net income (ytd only)* | 39.0826% | 2,334 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9663% | 4,255 |
| Loan loss allowance to noncurrent loans | 190.9109% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 3,310 |
| Noncurrent loans to loans | 0.5062% | 3,182 |
| Net loans and leases to total assets | 81.2977% | 789 |
| Net loans and leases to deposits | 106.3718% | 400 |
| Net loans and leases to core deposits | 120.8630% | 560 |
| Total domestic deposits to total assets | 76.4278% | 4,966 |
| Equity capital to assets | 12.0409% | 1,939 |
| Core capital (leverage) ratio | 8.5997% | 5,166 |
| Tier 1 risk-based capital ratio | 10.2635% | 5,523 |
| Total risk-based capital ratio | 11.7459% | 5,385 |
| Memoranda: |
| Average total assets | $7,043,654,750 | 171 |
| Average earning assets | $6,457,981,000 | 167 |
| Average equity | $838,712,500 | 167 |
| Average total loans | $5,756,506,500 | 154 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9190% | 3,493 |
| Cost of funding earning assets | 0.4722% | 2,394 |
| Net interest margin | 3.4468% | 3,603 |
| Noninterest income to average assets | 0.7742% | 1,671 |
| Noninterest expense to average assets | 2.0921% | 4,786 |
| Loan and lease loss provision to assets | 0.2869% | 546 |
| Net operating income to assets | 1.1315% | 1,849 |
| Return on assets (ROA) | 1.1315% | 1,899 |
| Pretax return on assets | 1.5539% | 1,483 |
| Return on Equity (ROE) | 9.5392% | 2,248 |
| Retained earnings to average equity (ytd only) | 5.2746% | 2,531 |
| Net charge-offs to loans | 0.2614% | 784 |
| Credit loss provision to net charge-offs | 134.4569% | 1,639 |
| Earnings coverage of net charge-offs (x) | 8.6284% | 2,494 |
| Efficiency ratio | 52.6727% | 5,123 |
| Assets per employee ($millions) | 6.5696% | 1,115 |
| Cash dividends to net income (ytd only)* | 44.7064% | 2,093 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9575% | 4,378 |
| Loan loss allowance to noncurrent loans | 150.9477% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 2,958 |
| Noncurrent loans to loans | 0.6343% | 2,827 |
| Net loans and leases to total assets | 81.0719% | 805 |
| Net loans and leases to deposits | 105.4486% | 418 |
| Net loans and leases to core deposits | 120.6071% | 531 |
| Total domestic deposits to total assets | 76.8829% | 4,975 |
| Equity capital to assets | 11.9532% | 1,963 |
| Core capital (leverage) ratio | 8.3499% | 5,319 |
| Tier 1 risk-based capital ratio | 10.0913% | 5,607 |
| Total risk-based capital ratio | 11.5713% | 5,463 |
| Memoranda: |
| Average total assets | $7,008,535,670 | 170 |
| Average earning assets | $6,422,773,330 | 167 |
| Average equity | $831,347,670 | 169 |
| Average total loans | $5,719,110,670 | 151 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8167% | 3,703 |
| Cost of funding earning assets | 0.4409% | 2,606 |
| Net interest margin | 3.3758% | 3,732 |
| Noninterest income to average assets | 0.7743% | 1,644 |
| Noninterest expense to average assets | 2.1044% | 4,840 |
| Loan and lease loss provision to assets | 0.2970% | 461 |
| Net operating income to assets | 1.0717% | 1,973 |
| Return on assets (ROA) | 1.0717% | 2,019 |
| Pretax return on assets | 1.4662% | 1,644 |
| Return on Equity (ROE) | 9.0698% | 2,383 |
| Retained earnings to average equity (ytd only) | 4.7737% | 3,024 |
| Net charge-offs to loans | 0.1506% | 1,056 |
| Credit loss provision to net charge-offs | 241.9701% | 908 |
| Earnings coverage of net charge-offs (x) | 14.3669% | 1,727 |
| Efficiency ratio | 53.8819% | 5,138 |
| Assets per employee ($millions) | 6.5270% | 1,174 |
| Cash dividends to net income (ytd only)* | 47.3670% | 1,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9688% | 4,449 |
| Loan loss allowance to noncurrent loans | 121.3602% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 2,638 |
| Noncurrent loans to loans | 0.7983% | 2,463 |
| Net loans and leases to total assets | 81.0118% | 691 |
| Net loans and leases to deposits | 104.6204% | 378 |
| Net loans and leases to core deposits | 121.7783% | 418 |
| Total domestic deposits to total assets | 77.4341% | 5,051 |
| Equity capital to assets | 11.7901% | 1,971 |
| Core capital (leverage) ratio | 8.3090% | 5,375 |
| Tier 1 risk-based capital ratio | 9.8009% | 5,735 |
| Total risk-based capital ratio | 11.2762% | 5,656 |
| Memoranda: |
| Average total assets | $6,981,623,000 | 170 |
| Average earning assets | $6,397,286,500 | 167 |
| Average equity | $824,931,000 | 170 |
| Average total loans | $5,688,196,500 | 151 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7762% | 3,980 |
| Cost of funding earning assets | 0.3932% | 3,062 |
| Net interest margin | 3.3830% | 3,877 |
| Noninterest income to average assets | 0.8836% | 1,469 |
| Noninterest expense to average assets | 2.1637% | 4,856 |
| Loan and lease loss provision to assets | 0.2720% | 742 |
| Net operating income to assets | 1.1231% | 1,809 |
| Return on assets (ROA) | 1.1231% | 1,893 |
| Pretax return on assets | 1.5316% | 1,487 |
| Return on Equity (ROE) | 9.2281% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.9821% | 2,357 |
| Net charge-offs to loans | 0.2498% | 1,112 |
| Credit loss provision to net charge-offs | 134.7005% | 2,012 |
| Earnings coverage of net charge-offs (x) | 8.9329% | 2,817 |
| Efficiency ratio | 53.9218% | 5,250 |
| Assets per employee ($millions) | 6.4080% | 1,199 |
| Cash dividends to net income (ytd only)* | 46.0113% | 2,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9399% | 4,624 |
| Loan loss allowance to noncurrent loans | 123.7833% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 2,852 |
| Noncurrent loans to loans | 0.7593% | 2,638 |
| Net loans and leases to total assets | 80.3749% | 835 |
| Net loans and leases to deposits | 105.1613% | 382 |
| Net loans and leases to core deposits | 119.4085% | 501 |
| Total domestic deposits to total assets | 76.4301% | 5,192 |
| Equity capital to assets | 11.8419% | 1,912 |
| Core capital (leverage) ratio | 8.3889% | 5,378 |
| Tier 1 risk-based capital ratio | 9.7097% | 5,792 |
| Total risk-based capital ratio | 11.1503% | 5,728 |
| Memoranda: |
| Average total assets | $6,605,522,400 | 171 |
| Average earning assets | $6,021,150,400 | 169 |
| Average equity | $803,893,800 | 165 |
| Average total loans | $5,339,364,600 | 153 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7778% | 3,990 |
| Cost of funding earning assets | 0.3872% | 3,153 |
| Net interest margin | 3.3906% | 3,883 |
| Noninterest income to average assets | 0.9073% | 1,384 |
| Noninterest expense to average assets | 2.1921% | 4,792 |
| Loan and lease loss provision to assets | 0.2529% | 738 |
| Net operating income to assets | 1.1479% | 1,816 |
| Return on assets (ROA) | 1.1479% | 1,919 |
| Pretax return on assets | 1.5494% | 1,538 |
| Return on Equity (ROE) | 9.3651% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.1528% | 2,724 |
| Net charge-offs to loans | 0.1703% | 1,348 |
| Credit loss provision to net charge-offs | 183.8556% | 1,528 |
| Earnings coverage of net charge-offs (x) | 13.1034% | 2,334 |
| Efficiency ratio | 54.2438% | 5,220 |
| Assets per employee ($millions) | 6.1667% | 1,318 |
| Cash dividends to net income (ytd only)* | 44.9787% | 2,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9907% | 4,465 |
| Loan loss allowance to noncurrent loans | 132.8452% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,068 |
| Noncurrent loans to loans | 0.7457% | 2,809 |
| Net loans and leases to total assets | 80.2767% | 851 |
| Net loans and leases to deposits | 104.1525% | 447 |
| Net loans and leases to core deposits | 117.6164% | 588 |
| Total domestic deposits to total assets | 77.0761% | 5,073 |
| Equity capital to assets | 12.2305% | 1,961 |
| Core capital (leverage) ratio | 8.4457% | 5,402 |
| Tier 1 risk-based capital ratio | 9.7162% | 5,850 |
| Total risk-based capital ratio | 11.2016% | 5,763 |
| Memoranda: |
| Average total assets | $6,526,749,250 | 175 |
| Average earning assets | $5,942,484,750 | 172 |
| Average equity | $799,984,500 | 166 |
| Average total loans | $5,270,402,750 | 153 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7598% | 4,093 |
| Cost of funding earning assets | 0.3777% | 3,273 |
| Net interest margin | 3.3821% | 3,962 |
| Noninterest income to average assets | 0.9286% | 1,296 |
| Noninterest expense to average assets | 2.2555% | 4,721 |
| Loan and lease loss provision to assets | 0.3049% | 581 |
| Net operating income to assets | 1.0750% | 2,068 |
| Return on assets (ROA) | 1.0750% | 2,188 |
| Pretax return on assets | 1.4454% | 1,853 |
| Return on Equity (ROE) | 8.7636% | 2,600 |
| Retained earnings to average equity (ytd only) | 4.5271% | 3,029 |
| Net charge-offs to loans | 0.2222% | 1,054 |
| Credit loss provision to net charge-offs | 170.1397% | 1,454 |
| Earnings coverage of net charge-offs (x) | 9.7676% | 2,384 |
| Efficiency ratio | 55.6356% | 5,182 |
| Assets per employee ($millions) | 6.0047% | 1,397 |
| Cash dividends to net income (ytd only)* | 48.3422% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9669% | 4,691 |
| Loan loss allowance to noncurrent loans | 121.6944% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 3,055 |
| Noncurrent loans to loans | 0.7945% | 2,760 |
| Net loans and leases to total assets | 80.3827% | 842 |
| Net loans and leases to deposits | 104.1533% | 454 |
| Net loans and leases to core deposits | 117.8911% | 576 |
| Total domestic deposits to total assets | 77.1773% | 5,137 |
| Equity capital to assets | 12.1436% | 2,022 |
| Core capital (leverage) ratio | 8.3647% | 5,478 |
| Tier 1 risk-based capital ratio | 9.4360% | 5,959 |
| Total risk-based capital ratio | 10.8868% | 5,902 |
| Memoranda: |
| Average total assets | $6,469,996,330 | 173 |
| Average earning assets | $5,886,732,330 | 172 |
| Average equity | $793,619,670 | 166 |
| Average total loans | $5,217,227,670 | 153 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7894% | 3,980 |
| Cost of funding earning assets | 0.3575% | 3,528 |
| Net interest margin | 3.4318% | 3,756 |
| Noninterest income to average assets | 1.0466% | 989 |
| Noninterest expense to average assets | 2.4024% | 4,365 |
| Loan and lease loss provision to assets | 0.3144% | 489 |
| Net operating income to assets | 1.0585% | 2,057 |
| Return on assets (ROA) | 1.0585% | 2,165 |
| Pretax return on assets | 1.4485% | 1,753 |
| Return on Equity (ROE) | 8.5848% | 2,615 |
| Retained earnings to average equity (ytd only) | 4.3374% | 3,311 |
| Net charge-offs to loans | 0.2196% | 925 |
| Credit loss provision to net charge-offs | 178.1805% | 1,162 |
| Earnings coverage of net charge-offs (x) | 9.9900% | 1,951 |
| Efficiency ratio | 56.9858% | 5,093 |
| Assets per employee ($millions) | 5.8933% | 1,491 |
| Cash dividends to net income (ytd only)* | 49.4757% | 1,771 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9704% | 4,761 |
| Loan loss allowance to noncurrent loans | 97.1312% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 2,672 |
| Noncurrent loans to loans | 0.9990% | 2,390 |
| Net loans and leases to total assets | 79.5498% | 880 |
| Net loans and leases to deposits | 102.1289% | 505 |
| Net loans and leases to core deposits | 116.5527% | 574 |
| Total domestic deposits to total assets | 77.8916% | 5,165 |
| Equity capital to assets | 12.3102% | 1,823 |
| Core capital (leverage) ratio | 8.4343% | 5,454 |
| Tier 1 risk-based capital ratio | 9.4987% | 6,007 |
| Total risk-based capital ratio | 10.9518% | 5,942 |
| Memoranda: |
| Average total assets | $6,378,375,500 | 174 |
| Average earning assets | $5,796,450,500 | 173 |
| Average equity | $786,457,000 | 169 |
| Average total loans | $5,125,710,000 | 153 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5788% | 4,729 |
| Cost of funding earning assets | 0.2621% | 4,673 |
| Net interest margin | 3.3167% | 4,221 |
| Noninterest income to average assets | 0.8869% | 1,476 |
| Noninterest expense to average assets | 2.1845% | 5,074 |
| Loan and lease loss provision to assets | 0.1711% | 1,339 |
| Net operating income to assets | 1.1154% | 1,854 |
| Return on assets (ROA) | 1.1150% | 1,920 |
| Pretax return on assets | 1.5348% | 1,448 |
| Return on Equity (ROE) | 9.1468% | 2,393 |
| Retained earnings to average equity (ytd only) | -0.9453% | 5,649 |
| Net charge-offs to loans | 0.2101% | 1,400 |
| Credit loss provision to net charge-offs | 102.3247% | 2,449 |
| Earnings coverage of net charge-offs (x) | 10.2032% | 2,717 |
| Efficiency ratio | 55.4522% | 5,398 |
| Assets per employee ($millions) | 5.9023% | 1,460 |
| Cash dividends to net income (ytd only)* | 110.3352% | 305 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9510% | 4,865 |
| Loan loss allowance to noncurrent loans | 156.8613% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 3,667 |
| Noncurrent loans to loans | 0.6062% | 3,351 |
| Net loans and leases to total assets | 79.6285% | 892 |
| Net loans and leases to deposits | 102.5685% | 512 |
| Net loans and leases to core deposits | 118.0614% | 541 |
| Total domestic deposits to total assets | 77.6345% | 5,226 |
| Equity capital to assets | 12.3504% | 1,703 |
| Core capital (leverage) ratio | 8.4346% | 5,489 |
| Tier 1 risk-based capital ratio | 9.5547% | 6,037 |
| Total risk-based capital ratio | 10.9954% | 5,981 |
| Memoranda: |
| Average total assets | $6,069,866,200 | 170 |
| Average earning assets | $5,497,975,200 | 167 |
| Average equity | $739,939,400 | 167 |
| Average total loans | $4,831,020,600 | 153 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5143% | 4,949 |
| Cost of funding earning assets | 0.2483% | 4,898 |
| Net interest margin | 3.2660% | 4,465 |
| Noninterest income to average assets | 0.8821% | 1,505 |
| Noninterest expense to average assets | 2.1889% | 5,079 |
| Loan and lease loss provision to assets | 0.1435% | 1,532 |
| Net operating income to assets | 1.1094% | 1,965 |
| Return on assets (ROA) | 1.1089% | 2,044 |
| Pretax return on assets | 1.5062% | 1,672 |
| Return on Equity (ROE) | 9.1275% | 2,505 |
| Retained earnings to average equity (ytd only) | -2.9784% | 5,933 |
| Net charge-offs to loans | 0.1251% | 1,878 |
| Credit loss provision to net charge-offs | 144.5834% | 1,731 |
| Earnings coverage of net charge-offs (x) | 16.6259% | 2,101 |
| Efficiency ratio | 56.3429% | 5,304 |
| Assets per employee ($millions) | 5.8835% | 1,451 |
| Cash dividends to net income (ytd only)* | 132.6314% | 169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0103% | 4,693 |
| Loan loss allowance to noncurrent loans | 196.9728% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 4,109 |
| Noncurrent loans to loans | 0.5129% | 3,815 |
| Net loans and leases to total assets | 78.9275% | 968 |
| Net loans and leases to deposits | 100.0414% | 663 |
| Net loans and leases to core deposits | 116.2865% | 578 |
| Total domestic deposits to total assets | 78.8948% | 5,001 |
| Equity capital to assets | 12.4985% | 1,745 |
| Core capital (leverage) ratio | 8.4097% | 5,622 |
| Tier 1 risk-based capital ratio | 9.4801% | 6,148 |
| Total risk-based capital ratio | 10.9829% | 6,070 |
| Memoranda: |
| Average total assets | $6,012,900,750 | 172 |
| Average earning assets | $5,444,585,750 | 168 |
| Average equity | $730,475,500 | 169 |
| Average total loans | $4,773,042,500 | 157 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3354% | 5,375 |
| Cost of funding earning assets | 0.2321% | 5,121 |
| Net interest margin | 3.1033% | 4,967 |
| Noninterest income to average assets | 0.8974% | 1,453 |
| Noninterest expense to average assets | 2.1908% | 5,142 |
| Loan and lease loss provision to assets | 0.1097% | 2,000 |
| Net operating income to assets | 1.0297% | 2,229 |
| Return on assets (ROA) | 1.0289% | 2,353 |
| Pretax return on assets | 1.4073% | 1,954 |
| Return on Equity (ROE) | 8.5548% | 2,774 |
| Retained earnings to average equity (ytd only) | -7.7356% | 6,121 |
| Net charge-offs to loans | 0.1002% | 2,010 |
| Credit loss provision to net charge-offs | 138.2141% | 1,622 |
| Earnings coverage of net charge-offs (x) | 19.1210% | 1,770 |
| Efficiency ratio | 58.4534% | 5,168 |
| Assets per employee ($millions) | 5.7082% | 1,563 |
| Cash dividends to net income (ytd only)* | 190.4246% | 118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0144% | 4,798 |
| Loan loss allowance to noncurrent loans | 188.2167% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 4,178 |
| Noncurrent loans to loans | 0.5390% | 3,840 |
| Net loans and leases to total assets | 77.9149% | 1,075 |
| Net loans and leases to deposits | 97.8410% | 810 |
| Net loans and leases to core deposits | 111.8972% | 753 |
| Total domestic deposits to total assets | 79.6343% | 4,944 |
| Equity capital to assets | 12.4171% | 1,707 |
| Core capital (leverage) ratio | 9.0388% | 4,906 |
| Tier 1 risk-based capital ratio | 9.3952% | 6,213 |
| Total risk-based capital ratio | 10.8967% | 6,147 |
| Memoranda: |
| Average total assets | $5,952,077,000 | 172 |
| Average earning assets | $5,392,723,670 | 167 |
| Average equity | $715,857,670 | 170 |
| Average total loans | $4,717,471,000 | 159 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6379% | 4,575 |
| Cost of funding earning assets | 0.2768% | 4,705 |
| Net interest margin | 3.3611% | 3,987 |
| Noninterest income to average assets | 1.0327% | 1,049 |
| Noninterest expense to average assets | 2.5436% | 4,124 |
| Loan and lease loss provision to assets | 0.0974% | 2,074 |
| Net operating income to assets | 1.0745% | 1,951 |
| Return on assets (ROA) | 1.0745% | 2,072 |
| Pretax return on assets | 1.4658% | 1,674 |
| Return on Equity (ROE) | 9.6948% | 2,134 |
| Retained earnings to average equity (ytd only) | -26.9734% | 6,327 |
| Net charge-offs to loans | 0.1045% | 1,689 |
| Credit loss provision to net charge-offs | 119.0335% | 1,456 |
| Earnings coverage of net charge-offs (x) | 19.1026% | 1,458 |
| Efficiency ratio | 61.4369% | 4,889 |
| Assets per employee ($millions) | 5.1806% | 2,134 |
| Cash dividends to net income (ytd only)* | 378.2259% | 57 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2353% | 3,764 |
| Loan loss allowance to noncurrent loans | 275.3048% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 4,598 |
| Noncurrent loans to loans | 0.4487% | 4,242 |
| Net loans and leases to total assets | 77.4117% | 1,009 |
| Net loans and leases to deposits | 94.1049% | 969 |
| Net loans and leases to core deposits | 106.5232% | 902 |
| Total domestic deposits to total assets | 82.2610% | 4,430 |
| Equity capital to assets | 10.7227% | 3,296 |
| Core capital (leverage) ratio | 7.7179% | 6,060 |
| Tier 1 risk-based capital ratio | 9.1481% | 6,309 |
| Total risk-based capital ratio | 11.0218% | 6,187 |
| Memoranda: |
| Average total assets | $4,956,494,000 | 193 |
| Average earning assets | $4,533,180,500 | 192 |
| Average equity | $549,327,000 | 197 |
| Average total loans | $3,882,899,000 | 181 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7044% | 4,770 |
| Cost of funding earning assets | 0.2716% | 5,075 |
| Net interest margin | 3.4328% | 4,053 |
| Noninterest income to average assets | 1.0368% | 1,140 |
| Noninterest expense to average assets | 2.4574% | 4,681 |
| Loan and lease loss provision to assets | 0.0360% | 3,867 |
| Net operating income to assets | 1.2548% | 1,417 |
| Return on assets (ROA) | 1.2555% | 1,479 |
| Pretax return on assets | 1.6616% | 1,068 |
| Return on Equity (ROE) | 10.4923% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.3438% | 4,560 |
| Net charge-offs to loans | 0.0016% | 4,946 |
| Credit loss provision to net charge-offs | 2,906.7797% | 109 |
| Earnings coverage of net charge-offs (x) | 1,368.9831% | 27 |
| Efficiency ratio | 58.5846% | 5,396 |
| Assets per employee ($millions) | 5.2326% | 2,036 |
| Cash dividends to net income (ytd only)* | 77.6612% | 981 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2375% | 3,780 |
| Loan loss allowance to noncurrent loans | 384.5802% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,009 |
| Noncurrent loans to loans | 0.3218% | 4,689 |
| Net loans and leases to total assets | 77.3302% | 1,094 |
| Net loans and leases to deposits | 96.8820% | 841 |
| Net loans and leases to core deposits | 108.9116% | 833 |
| Total domestic deposits to total assets | 79.8190% | 5,063 |
| Equity capital to assets | 11.4450% | 2,478 |
| Core capital (leverage) ratio | 8.5334% | 5,521 |
| Tier 1 risk-based capital ratio | 10.7590% | 6,009 |
| Total risk-based capital ratio | 12.6770% | 5,620 |
| Memoranda: |
| Average total assets | $4,760,370,400 | 191 |
| Average earning assets | $4,322,777,600 | 189 |
| Average equity | $569,619,800 | 184 |
| Average total loans | $3,720,315,200 | 174 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7070% | 4,835 |
| Cost of funding earning assets | 0.2686% | 5,223 |
| Net interest margin | 3.4384% | 4,078 |
| Noninterest income to average assets | 1.0572% | 1,098 |
| Noninterest expense to average assets | 2.4702% | 4,616 |
| Loan and lease loss provision to assets | 0.0172% | 4,072 |
| Net operating income to assets | 1.2863% | 1,410 |
| Return on assets (ROA) | 1.2872% | 1,461 |
| Pretax return on assets | 1.6888% | 1,088 |
| Return on Equity (ROE) | 10.6359% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.0745% | 2,362 |
| Net charge-offs to loans | -0.0164% | 5,559 |
| Credit loss provision to net charge-offs | -134.2163% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5754% | 5,369 |
| Assets per employee ($millions) | 5.2495% | 1,961 |
| Cash dividends to net income (ytd only)* | 42.8866% | 2,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2437% | 3,999 |
| Loan loss allowance to noncurrent loans | 350.4370% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 5,146 |
| Noncurrent loans to loans | 0.3549% | 4,840 |
| Net loans and leases to total assets | 76.8726% | 1,113 |
| Net loans and leases to deposits | 95.8758% | 889 |
| Net loans and leases to core deposits | 108.1439% | 845 |
| Total domestic deposits to total assets | 80.1794% | 5,058 |
| Equity capital to assets | 11.9821% | 2,075 |
| Core capital (leverage) ratio | 9.0576% | 4,985 |
| Tier 1 risk-based capital ratio | 11.3266% | 5,869 |
| Total risk-based capital ratio | 13.2590% | 5,395 |
| Memoranda: |
| Average total assets | $4,714,269,750 | 192 |
| Average earning assets | $4,274,704,000 | 190 |
| Average equity | $570,543,000 | 184 |
| Average total loans | $3,682,465,000 | 174 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7189% | 4,800 |
| Cost of funding earning assets | 0.2717% | 5,270 |
| Net interest margin | 3.4472% | 3,992 |
| Noninterest income to average assets | 1.0639% | 1,053 |
| Noninterest expense to average assets | 2.5337% | 4,474 |
| Loan and lease loss provision to assets | -0.0363% | 6,274 |
| Net operating income to assets | 1.2958% | 1,325 |
| Return on assets (ROA) | 1.2972% | 1,367 |
| Pretax return on assets | 1.6871% | 1,047 |
| Return on Equity (ROE) | 10.6811% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.1158% | 2,251 |
| Net charge-offs to loans | -0.0643% | 5,984 |
| Credit loss provision to net charge-offs | 72.2222% | 2,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9450% | 5,303 |
| Assets per employee ($millions) | 4.9517% | 2,278 |
| Cash dividends to net income (ytd only)* | 42.7422% | 2,286 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2494% | 4,163 |
| Loan loss allowance to noncurrent loans | 311.8013% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 5,091 |
| Noncurrent loans to loans | 0.4007% | 4,787 |
| Net loans and leases to total assets | 77.2073% | 1,025 |
| Net loans and leases to deposits | 94.8317% | 898 |
| Net loans and leases to core deposits | 107.0569% | 826 |
| Total domestic deposits to total assets | 81.4150% | 4,838 |
| Equity capital to assets | 12.1152% | 1,906 |
| Core capital (leverage) ratio | 9.0920% | 4,881 |
| Tier 1 risk-based capital ratio | 11.2893% | 5,907 |
| Total risk-based capital ratio | 13.2341% | 5,481 |
| Memoranda: |
| Average total assets | $4,656,591,330 | 194 |
| Average earning assets | $4,213,097,670 | 193 |
| Average equity | $565,523,000 | 184 |
| Average total loans | $3,641,848,330 | 176 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7075% | 4,822 |
| Cost of funding earning assets | 0.2780% | 5,305 |
| Net interest margin | 3.4296% | 3,987 |
| Noninterest income to average assets | 1.0663% | 980 |
| Noninterest expense to average assets | 2.5131% | 4,580 |
| Loan and lease loss provision to assets | 0.0251% | 3,504 |
| Net operating income to assets | 1.2752% | 1,282 |
| Return on assets (ROA) | 1.2753% | 1,333 |
| Pretax return on assets | 1.6295% | 1,111 |
| Return on Equity (ROE) | 10.4878% | 1,872 |
| Retained earnings to average equity (ytd only) | 5.9782% | 2,556 |
| Net charge-offs to loans | -0.0080% | 4,957 |
| Credit loss provision to net charge-offs | -401.3889% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6412% | 5,449 |
| Assets per employee ($millions) | 4.9760% | 2,281 |
| Cash dividends to net income (ytd only)* | 42.9984% | 1,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2845% | 4,205 |
| Loan loss allowance to noncurrent loans | 221.7486% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 4,767 |
| Noncurrent loans to loans | 0.5793% | 4,426 |
| Net loans and leases to total assets | 76.4269% | 950 |
| Net loans and leases to deposits | 92.2251% | 934 |
| Net loans and leases to core deposits | 103.1422% | 916 |
| Total domestic deposits to total assets | 82.8700% | 4,651 |
| Equity capital to assets | 12.0544% | 1,833 |
| Core capital (leverage) ratio | 8.9797% | 5,043 |
| Tier 1 risk-based capital ratio | 11.4151% | 5,954 |
| Total risk-based capital ratio | 13.3846% | 5,481 |
| Memoranda: |
| Average total assets | $4,600,655,500 | 195 |
| Average earning assets | $4,160,411,500 | 193 |
| Average equity | $559,431,000 | 183 |
| Average total loans | $3,598,682,000 | 176 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7788% | 4,880 |
| Cost of funding earning assets | 0.3402% | 5,239 |
| Net interest margin | 3.4386% | 4,137 |
| Noninterest income to average assets | 1.2201% | 946 |
| Noninterest expense to average assets | 2.6005% | 4,459 |
| Loan and lease loss provision to assets | 0.1842% | 2,001 |
| Net operating income to assets | 1.1972% | 1,578 |
| Return on assets (ROA) | 1.1973% | 1,647 |
| Pretax return on assets | 1.5292% | 1,353 |
| Return on Equity (ROE) | 10.0930% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.5920% | 2,225 |
| Net charge-offs to loans | 0.2471% | 2,495 |
| Credit loss provision to net charge-offs | 97.3185% | 2,552 |
| Earnings coverage of net charge-offs (x) | 9.0507% | 2,565 |
| Efficiency ratio | 59.4648% | 5,546 |
| Assets per employee ($millions) | 4.7615% | 2,501 |
| Cash dividends to net income (ytd only)* | 44.5956% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2963% | 4,162 |
| Loan loss allowance to noncurrent loans | 205.9989% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 4,723 |
| Noncurrent loans to loans | 0.6293% | 4,408 |
| Net loans and leases to total assets | 78.0268% | 826 |
| Net loans and leases to deposits | 95.5228% | 766 |
| Net loans and leases to core deposits | 105.7995% | 803 |
| Total domestic deposits to total assets | 81.6839% | 4,981 |
| Equity capital to assets | 12.2692% | 1,639 |
| Core capital (leverage) ratio | 8.9518% | 5,076 |
| Tier 1 risk-based capital ratio | 11.3640% | 5,985 |
| Total risk-based capital ratio | 13.3463% | 5,500 |
| Memoranda: |
| Average total assets | $4,511,234,800 | 192 |
| Average earning assets | $4,058,762,000 | 189 |
| Average equity | $535,142,400 | 187 |
| Average total loans | $3,456,693,200 | 173 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7722% | 4,954 |
| Cost of funding earning assets | 0.3576% | 5,221 |
| Net interest margin | 3.4146% | 4,228 |
| Noninterest income to average assets | 1.2612% | 924 |
| Noninterest expense to average assets | 2.5964% | 4,402 |
| Loan and lease loss provision to assets | 0.1995% | 1,820 |
| Net operating income to assets | 1.2087% | 1,602 |
| Return on assets (ROA) | 1.2088% | 1,679 |
| Pretax return on assets | 1.5342% | 1,511 |
| Return on Equity (ROE) | 10.2781% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.7970% | 2,541 |
| Net charge-offs to loans | 0.2041% | 2,601 |
| Credit loss provision to net charge-offs | 128.5524% | 1,837 |
| Earnings coverage of net charge-offs (x) | 11.1708% | 2,267 |
| Efficiency ratio | 59.1284% | 5,540 |
| Assets per employee ($millions) | 4.7821% | 2,460 |
| Cash dividends to net income (ytd only)* | 43.5992% | 2,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3651% | 4,051 |
| Loan loss allowance to noncurrent loans | 131.8251% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 4,086 |
| Noncurrent loans to loans | 1.0355% | 3,731 |
| Net loans and leases to total assets | 75.9168% | 1,015 |
| Net loans and leases to deposits | 93.4869% | 862 |
| Net loans and leases to core deposits | 101.7520% | 1,011 |
| Total domestic deposits to total assets | 81.2058% | 5,168 |
| Equity capital to assets | 11.7876% | 2,055 |
| Core capital (leverage) ratio | 8.8233% | 5,378 |
| Tier 1 risk-based capital ratio | 11.2661% | 6,166 |
| Total risk-based capital ratio | 13.2561% | 5,714 |
| Memoranda: |
| Average total assets | $4,510,559,000 | 188 |
| Average earning assets | $4,053,718,750 | 186 |
| Average equity | $530,471,750 | 185 |
| Average total loans | $3,428,782,750 | 172 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7766% | 4,905 |
| Cost of funding earning assets | 0.3843% | 5,090 |
| Net interest margin | 3.3923% | 4,212 |
| Noninterest income to average assets | 1.3101% | 905 |
| Noninterest expense to average assets | 2.6735% | 4,130 |
| Loan and lease loss provision to assets | 0.1483% | 2,481 |
| Net operating income to assets | 1.2443% | 1,475 |
| Return on assets (ROA) | 1.2443% | 1,567 |
| Pretax return on assets | 1.5360% | 1,522 |
| Return on Equity (ROE) | 10.5886% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.0919% | 2,378 |
| Net charge-offs to loans | 0.2182% | 2,443 |
| Credit loss provision to net charge-offs | 89.7816% | 2,447 |
| Earnings coverage of net charge-offs (x) | 10.1984% | 2,178 |
| Efficiency ratio | 60.4884% | 5,404 |
| Assets per employee ($millions) | 4.5490% | 2,741 |
| Cash dividends to net income (ytd only)* | 42.4676% | 2,156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3378% | 4,324 |
| Loan loss allowance to noncurrent loans | 121.7037% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 4,117 |
| Noncurrent loans to loans | 1.0992% | 3,732 |
| Net loans and leases to total assets | 75.4277% | 1,051 |
| Net loans and leases to deposits | 92.8397% | 894 |
| Net loans and leases to core deposits | 100.7141% | 1,030 |
| Total domestic deposits to total assets | 81.2451% | 5,278 |
| Equity capital to assets | 11.7726% | 2,072 |
| Core capital (leverage) ratio | 8.7646% | 5,337 |
| Tier 1 risk-based capital ratio | 11.2923% | 6,208 |
| Total risk-based capital ratio | 13.2980% | 5,718 |
| Memoranda: |
| Average total assets | $4,491,777,000 | 187 |
| Average earning assets | $4,035,435,330 | 185 |
| Average equity | $527,852,330 | 186 |
| Average total loans | $3,400,033,670 | 172 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7550% | 4,977 |
| Cost of funding earning assets | 0.3967% | 5,136 |
| Net interest margin | 3.3583% | 4,278 |
| Noninterest income to average assets | 1.4036% | 778 |
| Noninterest expense to average assets | 2.8252% | 3,612 |
| Loan and lease loss provision to assets | 0.2058% | 1,807 |
| Net operating income to assets | 1.1533% | 1,657 |
| Return on assets (ROA) | 1.1533% | 1,765 |
| Pretax return on assets | 1.3841% | 1,911 |
| Return on Equity (ROE) | 9.8233% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.3326% | 3,038 |
| Net charge-offs to loans | 0.3382% | 1,628 |
| Credit loss provision to net charge-offs | 80.8056% | 2,149 |
| Earnings coverage of net charge-offs (x) | 6.2417% | 2,250 |
| Efficiency ratio | 63.1204% | 5,141 |
| Assets per employee ($millions) | 4.5403% | 2,900 |
| Cash dividends to net income (ytd only)* | 45.7147% | 1,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3572% | 4,434 |
| Loan loss allowance to noncurrent loans | 99.2353% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 3,829 |
| Noncurrent loans to loans | 1.3677% | 3,514 |
| Net loans and leases to total assets | 74.8808% | 976 |
| Net loans and leases to deposits | 91.4248% | 856 |
| Net loans and leases to core deposits | 98.0038% | 1,079 |
| Total domestic deposits to total assets | 81.9042% | 5,224 |
| Equity capital to assets | 11.8687% | 2,130 |
| Core capital (leverage) ratio | 8.6397% | 5,403 |
| Tier 1 risk-based capital ratio | 11.2081% | 6,308 |
| Total risk-based capital ratio | 14.6053% | 4,924 |
| Memoranda: |
| Average total assets | $4,483,643,500 | 189 |
| Average earning assets | $4,020,495,500 | 188 |
| Average equity | $526,421,000 | 191 |
| Average total loans | $3,376,841,500 | 173 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0434% | 5,173 |
| Cost of funding earning assets | 0.5276% | 5,008 |
| Net interest margin | 3.5158% | 4,433 |
| Noninterest income to average assets | 1.1893% | 1,110 |
| Noninterest expense to average assets | 2.8076% | 3,998 |
| Loan and lease loss provision to assets | 0.5335% | 1,085 |
| Net operating income to assets | 0.7954% | 3,309 |
| Return on assets (ROA) | 0.8518% | 3,282 |
| Pretax return on assets | 1.0502% | 3,357 |
| Return on Equity (ROE) | 7.3784% | 3,417 |
| Retained earnings to average equity (ytd only) | 0.2692% | 5,723 |
| Net charge-offs to loans | 0.7872% | 1,489 |
| Credit loss provision to net charge-offs | 90.6368% | 3,454 |
| Earnings coverage of net charge-offs (x) | 2.5722% | 4,130 |
| Efficiency ratio | 64.0688% | 4,872 |
| Assets per employee ($millions) | 4.3767% | 3,199 |
| Cash dividends to net income (ytd only)* | 96.3521% | 556 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4201% | 4,070 |
| Loan loss allowance to noncurrent loans | 85.5271% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 3,541 |
| Noncurrent loans to loans | 1.6604% | 3,138 |
| Net loans and leases to total assets | 73.6537% | 1,241 |
| Net loans and leases to deposits | 90.9375% | 986 |
| Net loans and leases to core deposits | 95.2372% | 1,368 |
| Total domestic deposits to total assets | 80.9938% | 5,412 |
| Equity capital to assets | 11.4925% | 2,455 |
| Core capital (leverage) ratio | 8.4454% | 5,701 |
| Tier 1 risk-based capital ratio | 10.8783% | 6,397 |
| Total risk-based capital ratio | 14.3501% | 4,984 |
| Memoranda: |
| Average total assets | $4,276,834,600 | 192 |
| Average earning assets | $3,810,281,800 | 191 |
| Average equity | $493,762,600 | 195 |
| Average total loans | $3,197,639,200 | 176 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0985% | 5,193 |
| Cost of funding earning assets | 0.5548% | 5,050 |
| Net interest margin | 3.5437% | 4,472 |
| Noninterest income to average assets | 1.2280% | 989 |
| Noninterest expense to average assets | 2.8905% | 3,637 |
| Loan and lease loss provision to assets | 0.5834% | 970 |
| Net operating income to assets | 0.7533% | 3,678 |
| Return on assets (ROA) | 0.8308% | 3,544 |
| Pretax return on assets | 1.0039% | 3,689 |
| Return on Equity (ROE) | 7.1880% | 3,704 |
| Retained earnings to average equity (ytd only) | -0.7205% | 6,225 |
| Net charge-offs to loans | 0.8876% | 1,232 |
| Credit loss provision to net charge-offs | 87.8934% | 3,362 |
| Earnings coverage of net charge-offs (x) | 2.2505% | 4,139 |
| Efficiency ratio | 65.0262% | 4,624 |
| Assets per employee ($millions) | 4.2916% | 3,287 |
| Cash dividends to net income (ytd only)* | 110.0234% | 246 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4539% | 4,143 |
| Loan loss allowance to noncurrent loans | 70.6463% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 3,239 |
| Noncurrent loans to loans | 2.0580% | 2,785 |
| Net loans and leases to total assets | 73.5327% | 1,314 |
| Net loans and leases to deposits | 89.6438% | 1,192 |
| Net loans and leases to core deposits | 94.3959% | 1,543 |
| Total domestic deposits to total assets | 82.0276% | 5,014 |
| Equity capital to assets | 11.7632% | 2,470 |
| Core capital (leverage) ratio | 8.2911% | 6,025 |
| Tier 1 risk-based capital ratio | 10.9542% | 6,502 |
| Total risk-based capital ratio | 14.4695% | 5,048 |
| Memoranda: |
| Average total assets | $4,250,766,000 | 194 |
| Average earning assets | $3,786,102,250 | 194 |
| Average equity | $491,328,250 | 197 |
| Average total loans | $3,178,716,000 | 178 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1418% | 5,161 |
| Cost of funding earning assets | 0.5804% | 5,073 |
| Net interest margin | 3.5614% | 4,411 |
| Noninterest income to average assets | 1.2146% | 973 |
| Noninterest expense to average assets | 2.9025% | 3,610 |
| Loan and lease loss provision to assets | 0.7676% | 674 |
| Net operating income to assets | 0.5890% | 4,413 |
| Return on assets (ROA) | 0.6220% | 4,519 |
| Pretax return on assets | 0.7564% | 4,620 |
| Return on Equity (ROE) | 5.4137% | 4,621 |
| Retained earnings to average equity (ytd only) | -2.2946% | 6,392 |
| Net charge-offs to loans | 1.1613% | 931 |
| Credit loss provision to net charge-offs | 88.3348% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.7074% | 4,129 |
| Efficiency ratio | 65.2501% | 4,677 |
| Assets per employee ($millions) | 4.3098% | 3,240 |
| Cash dividends to net income (ytd only)* | 142.3855% | 198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4601% | 4,205 |
| Loan loss allowance to noncurrent loans | 67.5546% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.6647% | 3,220 |
| Noncurrent loans to loans | 2.1613% | 2,752 |
| Net loans and leases to total assets | 72.8211% | 1,422 |
| Net loans and leases to deposits | 89.2721% | 1,222 |
| Net loans and leases to core deposits | 94.3509% | 1,567 |
| Total domestic deposits to total assets | 81.5722% | 5,276 |
| Equity capital to assets | 11.4825% | 2,612 |
| Core capital (leverage) ratio | 8.1768% | 6,074 |
| Tier 1 risk-based capital ratio | 10.8299% | 6,565 |
| Total risk-based capital ratio | 14.3382% | 5,106 |
| Memoranda: |
| Average total assets | $4,245,731,000 | 192 |
| Average earning assets | $3,781,059,000 | 193 |
| Average equity | $487,837,000 | 197 |
| Average total loans | $3,177,258,000 | 174 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1716% | 5,203 |
| Cost of funding earning assets | 0.6005% | 5,120 |
| Net interest margin | 3.5710% | 4,390 |
| Noninterest income to average assets | 1.2077% | 984 |
| Noninterest expense to average assets | 3.0928% | 2,936 |
| Loan and lease loss provision to assets | 0.8820% | 509 |
| Net operating income to assets | 0.3228% | 5,579 |
| Return on assets (ROA) | 0.3867% | 5,493 |
| Pretax return on assets | 0.4926% | 5,453 |
| Return on Equity (ROE) | 3.3642% | 5,567 |
| Retained earnings to average equity (ytd only) | -7.7835% | 6,754 |
| Net charge-offs to loans | 1.2991% | 784 |
| Credit loss provision to net charge-offs | 90.1419% | 2,543 |
| Earnings coverage of net charge-offs (x) | 1.3222% | 3,670 |
| Efficiency ratio | 69.5841% | 3,885 |
| Assets per employee ($millions) | 4.3981% | 3,196 |
| Cash dividends to net income (ytd only)* | 331.3653% | 53 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4939% | 4,185 |
| Loan loss allowance to noncurrent loans | 74.1469% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 3,495 |
| Noncurrent loans to loans | 2.0148% | 3,141 |
| Net loans and leases to total assets | 73.1669% | 1,190 |
| Net loans and leases to deposits | 89.2824% | 1,032 |
| Net loans and leases to core deposits | 95.0375% | 1,373 |
| Total domestic deposits to total assets | 81.9500% | 5,314 |
| Equity capital to assets | 11.4147% | 2,512 |
| Core capital (leverage) ratio | 8.4510% | 5,675 |
| Tier 1 risk-based capital ratio | 10.6819% | 6,680 |
| Total risk-based capital ratio | 14.1884% | 5,229 |
| Memoranda: |
| Average total assets | $4,205,054,000 | 190 |
| Average earning assets | $3,743,249,500 | 193 |
| Average equity | $483,327,500 | 196 |
| Average total loans | $3,167,026,000 | 172 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5400% | 4,917 |
| Cost of funding earning assets | 0.7466% | 5,235 |
| Net interest margin | 3.7934% | 3,855 |
| Noninterest income to average assets | 1.1319% | 1,024 |
| Noninterest expense to average assets | 2.5476% | 5,305 |
| Loan and lease loss provision to assets | 0.3831% | 2,698 |
| Net operating income to assets | 1.1940% | 1,523 |
| Return on assets (ROA) | 1.1932% | 1,639 |
| Pretax return on assets | 1.5766% | 1,260 |
| Return on Equity (ROE) | 10.3907% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.4690% | 2,324 |
| Net charge-offs to loans | 0.5624% | 2,768 |
| Credit loss provision to net charge-offs | 85.9763% | 4,200 |
| Earnings coverage of net charge-offs (x) | 4.4006% | 3,128 |
| Efficiency ratio | 55.5637% | 6,363 |
| Assets per employee ($millions) | 4.5104% | 2,891 |
| Cash dividends to net income (ytd only)* | 47.3663% | 2,205 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5591% | 3,755 |
| Loan loss allowance to noncurrent loans | 87.0373% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4654% | 3,775 |
| Noncurrent loans to loans | 1.7913% | 3,482 |
| Net loans and leases to total assets | 75.2150% | 1,060 |
| Net loans and leases to deposits | 92.0654% | 966 |
| Net loans and leases to core deposits | 99.3272% | 1,231 |
| Total domestic deposits to total assets | 81.6974% | 5,235 |
| Equity capital to assets | 11.5773% | 2,446 |
| Core capital (leverage) ratio | 8.3043% | 5,850 |
| Tier 1 risk-based capital ratio | 10.5492% | 6,664 |
| Total risk-based capital ratio | 14.1104% | 5,165 |
| Memoranda: |
| Average total assets | $4,074,682,600 | 196 |
| Average earning assets | $3,626,747,200 | 194 |
| Average equity | $467,909,600 | 193 |
| Average total loans | $3,227,967,200 | 173 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5830% | 4,930 |
| Cost of funding earning assets | 0.7748% | 5,312 |
| Net interest margin | 3.8081% | 3,830 |
| Noninterest income to average assets | 1.1177% | 1,066 |
| Noninterest expense to average assets | 2.5327% | 5,343 |
| Loan and lease loss provision to assets | 0.4350% | 2,301 |
| Net operating income to assets | 1.1979% | 1,657 |
| Return on assets (ROA) | 1.1968% | 1,777 |
| Pretax return on assets | 1.5396% | 1,546 |
| Return on Equity (ROE) | 10.4434% | 2,057 |
| Retained earnings to average equity (ytd only) | 5.0633% | 3,132 |
| Net charge-offs to loans | 0.5382% | 2,620 |
| Credit loss provision to net charge-offs | 101.1123% | 3,318 |
| Earnings coverage of net charge-offs (x) | 4.5933% | 3,013 |
| Efficiency ratio | 55.2129% | 6,370 |
| Assets per employee ($millions) | 4.4697% | 2,970 |
| Cash dividends to net income (ytd only)* | 51.5171% | 1,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6432% | 3,474 |
| Loan loss allowance to noncurrent loans | 86.9917% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 3,680 |
| Noncurrent loans to loans | 1.8889% | 3,519 |
| Net loans and leases to total assets | 75.7529% | 1,013 |
| Net loans and leases to deposits | 91.1326% | 1,093 |
| Net loans and leases to core deposits | 96.8538% | 1,522 |
| Total domestic deposits to total assets | 83.1239% | 4,630 |
| Equity capital to assets | 11.7626% | 2,444 |
| Core capital (leverage) ratio | 8.1199% | 6,259 |
| Tier 1 risk-based capital ratio | 10.3043% | 6,856 |
| Total risk-based capital ratio | 13.8654% | 5,375 |
| Memoranda: |
| Average total assets | $4,068,368,500 | 194 |
| Average earning assets | $3,622,649,500 | 195 |
| Average equity | $466,221,750 | 195 |
| Average total loans | $3,251,806,750 | 172 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6236% | 4,874 |
| Cost of funding earning assets | 0.7855% | 5,474 |
| Net interest margin | 3.8381% | 3,595 |
| Noninterest income to average assets | 1.1654% | 936 |
| Noninterest expense to average assets | 2.6350% | 5,059 |
| Loan and lease loss provision to assets | 0.5772% | 1,678 |
| Net operating income to assets | 1.0931% | 1,893 |
| Return on assets (ROA) | 1.0937% | 1,982 |
| Pretax return on assets | 1.3730% | 1,885 |
| Return on Equity (ROE) | 9.6287% | 2,255 |
| Retained earnings to average equity (ytd only) | 5.0825% | 2,952 |
| Net charge-offs to loans | 0.3112% | 3,319 |
| Credit loss provision to net charge-offs | 229.2383% | 1,314 |
| Earnings coverage of net charge-offs (x) | 7.7428% | 2,176 |
| Efficiency ratio | 56.5028% | 6,363 |
| Assets per employee ($millions) | 4.3846% | 3,022 |
| Cash dividends to net income (ytd only)* | 47.2146% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8110% | 2,953 |
| Loan loss allowance to noncurrent loans | 81.4057% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.9475% | 3,311 |
| Noncurrent loans to loans | 2.2247% | 3,200 |
| Net loans and leases to total assets | 77.8773% | 795 |
| Net loans and leases to deposits | 93.4672% | 909 |
| Net loans and leases to core deposits | 99.9516% | 1,346 |
| Total domestic deposits to total assets | 83.3205% | 4,626 |
| Equity capital to assets | 11.6549% | 2,361 |
| Core capital (leverage) ratio | 7.9149% | 6,395 |
| Tier 1 risk-based capital ratio | 9.8648% | 7,017 |
| Total risk-based capital ratio | 13.3815% | 5,657 |
| Memoranda: |
| Average total assets | $4,067,180,000 | 199 |
| Average earning assets | $3,623,100,330 | 198 |
| Average equity | $461,974,330 | 199 |
| Average total loans | $3,290,361,670 | 169 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6263% | 4,842 |
| Cost of funding earning assets | 0.7843% | 5,650 |
| Net interest margin | 3.8420% | 3,406 |
| Noninterest income to average assets | 1.1245% | 1,037 |
| Noninterest expense to average assets | 2.6882% | 4,884 |
| Loan and lease loss provision to assets | 1.0427% | 723 |
| Net operating income to assets | 0.6654% | 3,685 |
| Return on assets (ROA) | 0.6664% | 3,752 |
| Pretax return on assets | 0.8208% | 3,824 |
| Return on Equity (ROE) | 5.9436% | 3,937 |
| Retained earnings to average equity (ytd only) | 2.2787% | 4,786 |
| Net charge-offs to loans | 0.0437% | 4,505 |
| Credit loss provision to net charge-offs | 2,923.0769% | 135 |
| Earnings coverage of net charge-offs (x) | 52.2060% | 558 |
| Efficiency ratio | 58.0781% | 6,263 |
| Assets per employee ($millions) | 4.4477% | 2,981 |
| Cash dividends to net income (ytd only)* | 61.6618% | 1,207 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8661% | 2,803 |
| Loan loss allowance to noncurrent loans | 76.2722% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 3,097 |
| Noncurrent loans to loans | 2.4467% | 3,044 |
| Net loans and leases to total assets | 79.6782% | 543 |
| Net loans and leases to deposits | 94.9418% | 754 |
| Net loans and leases to core deposits | 102.4171% | 1,169 |
| Total domestic deposits to total assets | 83.9233% | 4,517 |
| Equity capital to assets | 11.2738% | 2,436 |
| Core capital (leverage) ratio | 7.6376% | 6,616 |
| Tier 1 risk-based capital ratio | 9.2540% | 7,191 |
| Total risk-based capital ratio | 12.6923% | 6,131 |
| Memoranda: |
| Average total assets | $4,081,675,000 | 195 |
| Average earning assets | $3,639,655,000 | 196 |
| Average equity | $457,638,000 | 197 |
| Average total loans | $3,334,124,000 | 168 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9143% | 4,943 |
| Cost of funding earning assets | 0.9252% | 6,050 |
| Net interest margin | 3.9892% | 3,067 |
| Noninterest income to average assets | 1.1727% | 1,074 |
| Noninterest expense to average assets | 2.5586% | 5,588 |
| Loan and lease loss provision to assets | 0.7180% | 2,282 |
| Net operating income to assets | 1.0932% | 1,720 |
| Return on assets (ROA) | 1.0958% | 1,799 |
| Pretax return on assets | 1.4534% | 1,502 |
| Return on Equity (ROE) | 10.0918% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.4408% | 2,154 |
| Net charge-offs to loans | 1.1132% | 1,999 |
| Credit loss provision to net charge-offs | 78.2702% | 5,623 |
| Earnings coverage of net charge-offs (x) | 2.3634% | 3,964 |
| Efficiency ratio | 53.1332% | 6,882 |
| Assets per employee ($millions) | 4.3736% | 3,078 |
| Cash dividends to net income (ytd only)* | 46.0869% | 2,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5276% | 3,873 |
| Loan loss allowance to noncurrent loans | 80.4380% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.7027% | 3,745 |
| Noncurrent loans to loans | 1.8991% | 3,687 |
| Net loans and leases to total assets | 80.9188% | 548 |
| Net loans and leases to deposits | 98.2328% | 697 |
| Net loans and leases to core deposits | 106.6192% | 1,147 |
| Total domestic deposits to total assets | 82.3745% | 5,070 |
| Equity capital to assets | 11.1506% | 2,552 |
| Core capital (leverage) ratio | 7.5029% | 6,703 |
| Tier 1 risk-based capital ratio | 9.0169% | 7,241 |
| Total risk-based capital ratio | 12.4180% | 6,177 |
| Memoranda: |
| Average total assets | $4,110,315,200 | 196 |
| Average earning assets | $3,661,829,400 | 196 |
| Average equity | $446,312,800 | 201 |
| Average total loans | $3,386,889,800 | 169 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9447% | 5,060 |
| Cost of funding earning assets | 0.9529% | 6,161 |
| Net interest margin | 3.9918% | 3,143 |
| Noninterest income to average assets | 1.1819% | 1,000 |
| Noninterest expense to average assets | 2.5508% | 5,513 |
| Loan and lease loss provision to assets | 0.7076% | 2,164 |
| Net operating income to assets | 1.1121% | 1,846 |
| Return on assets (ROA) | 1.1153% | 1,946 |
| Pretax return on assets | 1.4823% | 1,655 |
| Return on Equity (ROE) | 10.3407% | 1,992 |
| Retained earnings to average equity (ytd only) | 5.7674% | 2,503 |
| Net charge-offs to loans | 0.9878% | 2,026 |
| Credit loss provision to net charge-offs | 86.8744% | 4,889 |
| Earnings coverage of net charge-offs (x) | 2.6834% | 3,806 |
| Efficiency ratio | 52.8410% | 6,903 |
| Assets per employee ($millions) | 4.4558% | 2,975 |
| Cash dividends to net income (ytd only)* | 44.2269% | 1,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6696% | 3,256 |
| Loan loss allowance to noncurrent loans | 74.7037% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 2.0286% | 3,432 |
| Noncurrent loans to loans | 2.2349% | 3,411 |
| Net loans and leases to total assets | 81.3019% | 584 |
| Net loans and leases to deposits | 98.3856% | 773 |
| Net loans and leases to core deposits | 107.9180% | 1,168 |
| Total domestic deposits to total assets | 82.6360% | 4,737 |
| Equity capital to assets | 11.1547% | 2,811 |
| Core capital (leverage) ratio | 7.4073% | 6,929 |
| Tier 1 risk-based capital ratio | 8.8083% | 7,394 |
| Total risk-based capital ratio | 12.1955% | 6,412 |
| Memoranda: |
| Average total assets | $4,114,479,250 | 196 |
| Average earning assets | $3,663,707,250 | 194 |
| Average equity | $443,774,000 | 197 |
| Average total loans | $3,392,630,500 | 166 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9272% | 5,278 |
| Cost of funding earning assets | 0.9792% | 6,240 |
| Net interest margin | 3.9480% | 3,244 |
| Noninterest income to average assets | 1.1474% | 984 |
| Noninterest expense to average assets | 2.6071% | 5,297 |
| Loan and lease loss provision to assets | 0.6570% | 2,191 |
| Net operating income to assets | 1.0352% | 2,063 |
| Return on assets (ROA) | 1.0429% | 2,111 |
| Pretax return on assets | 1.4142% | 1,804 |
| Return on Equity (ROE) | 9.7795% | 2,182 |
| Retained earnings to average equity (ytd only) | 4.7584% | 3,038 |
| Net charge-offs to loans | 1.1276% | 1,678 |
| Credit loss provision to net charge-offs | 70.7236% | 4,952 |
| Earnings coverage of net charge-offs (x) | 2.2183% | 3,901 |
| Efficiency ratio | 54.7944% | 6,787 |
| Assets per employee ($millions) | 4.5008% | 2,870 |
| Cash dividends to net income (ytd only)* | 51.3429% | 1,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5888% | 3,499 |
| Loan loss allowance to noncurrent loans | 69.8262% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.9918% | 3,508 |
| Noncurrent loans to loans | 2.2754% | 3,400 |
| Net loans and leases to total assets | 81.1703% | 646 |
| Net loans and leases to deposits | 100.9774% | 652 |
| Net loans and leases to core deposits | 110.6968% | 1,123 |
| Total domestic deposits to total assets | 80.3846% | 5,598 |
| Equity capital to assets | 10.8201% | 3,057 |
| Core capital (leverage) ratio | 7.1228% | 7,116 |
| Tier 1 risk-based capital ratio | 8.3979% | 7,491 |
| Total risk-based capital ratio | 11.7497% | 6,671 |
| Memoranda: |
| Average total assets | $4,126,963,330 | 196 |
| Average earning assets | $3,680,030,330 | 194 |
| Average equity | $440,104,670 | 198 |
| Average total loans | $3,399,846,330 | 163 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9057% | 5,442 |
| Cost of funding earning assets | 1.0035% | 6,359 |
| Net interest margin | 3.9022% | 3,314 |
| Noninterest income to average assets | 1.1305% | 976 |
| Noninterest expense to average assets | 2.7113% | 4,850 |
| Loan and lease loss provision to assets | 0.4289% | 2,812 |
| Net operating income to assets | 1.1198% | 1,765 |
| Return on assets (ROA) | 1.1309% | 1,811 |
| Pretax return on assets | 1.4863% | 1,546 |
| Return on Equity (ROE) | 10.6823% | 1,877 |
| Retained earnings to average equity (ytd only) | 5.6329% | 2,796 |
| Net charge-offs to loans | 0.1161% | 4,281 |
| Credit loss provision to net charge-offs | 448.8349% | 939 |
| Earnings coverage of net charge-offs (x) | 19.8886% | 1,181 |
| Efficiency ratio | 57.6890% | 6,535 |
| Assets per employee ($millions) | 4.5077% | 2,942 |
| Cash dividends to net income (ytd only)* | 47.2688% | 1,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8545% | 2,561 |
| Loan loss allowance to noncurrent loans | 65.1118% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.4269% | 2,993 |
| Noncurrent loans to loans | 2.8482% | 2,823 |
| Net loans and leases to total assets | 81.0442% | 711 |
| Net loans and leases to deposits | 99.6881% | 777 |
| Net loans and leases to core deposits | 111.4729% | 1,192 |
| Total domestic deposits to total assets | 81.2978% | 5,348 |
| Equity capital to assets | 10.6987% | 3,043 |
| Core capital (leverage) ratio | 7.0044% | 7,245 |
| Tier 1 risk-based capital ratio | 8.2726% | 7,584 |
| Total risk-based capital ratio | 11.6307% | 6,729 |
| Memoranda: |
| Average total assets | $4,131,341,500 | 201 |
| Average earning assets | $3,685,861,500 | 200 |
| Average equity | $437,359,000 | 199 |
| Average total loans | $3,401,405,000 | 166 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1086% | 6,055 |
| Cost of funding earning assets | 1.2789% | 6,380 |
| Net interest margin | 3.8297% | 3,581 |
| Noninterest income to average assets | 1.0576% | 1,380 |
| Noninterest expense to average assets | 2.5372% | 6,000 |
| Loan and lease loss provision to assets | 1.7023% | 1,339 |
| Net operating income to assets | 0.3428% | 4,363 |
| Return on assets (ROA) | 0.2640% | 4,748 |
| Pretax return on assets | 0.1713% | 5,071 |
| Return on Equity (ROE) | 2.6043% | 4,660 |
| Retained earnings to average equity (ytd only) | -3.5292% | 5,797 |
| Net charge-offs to loans | 1.5939% | 1,581 |
| Credit loss provision to net charge-offs | 130.4545% | 3,906 |
| Earnings coverage of net charge-offs (x) | 1.4962% | 4,630 |
| Efficiency ratio | 55.3020% | 7,096 |
| Assets per employee ($millions) | 4.4260% | 3,055 |
| Cash dividends to net income (ytd only)* | 235.5138% | 152 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7501% | 2,710 |
| Loan loss allowance to noncurrent loans | 65.6117% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.2833% | 3,027 |
| Noncurrent loans to loans | 2.6673% | 2,877 |
| Net loans and leases to total assets | 80.6531% | 883 |
| Net loans and leases to deposits | 97.9998% | 1,103 |
| Net loans and leases to core deposits | 111.4499% | 2,755 |
| Total domestic deposits to total assets | 82.2992% | 4,814 |
| Equity capital to assets | 10.4749% | 3,212 |
| Core capital (leverage) ratio | 6.8125% | 7,362 |
| Tier 1 risk-based capital ratio | 8.0458% | 7,647 |
| Total risk-based capital ratio | 11.3880% | 6,719 |
| Memoranda: |
| Average total assets | $4,250,269,400 | 197 |
| Average earning assets | $3,808,979,400 | 196 |
| Average equity | $430,863,800 | 202 |
| Average total loans | $3,479,619,600 | 166 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1282% | 6,178 |
| Cost of funding earning assets | 1.3238% | 6,478 |
| Net interest margin | 3.8044% | 3,637 |
| Noninterest income to average assets | 1.0313% | 1,491 |
| Noninterest expense to average assets | 2.5820% | 5,773 |
| Loan and lease loss provision to assets | 1.9318% | 950 |
| Net operating income to assets | 0.1060% | 5,447 |
| Return on assets (ROA) | 0.0456% | 5,647 |
| Pretax return on assets | -0.1622% | 5,922 |
| Return on Equity (ROE) | 0.4540% | 5,652 |
| Retained earnings to average equity (ytd only) | -6.4532% | 6,440 |
| Net charge-offs to loans | 1.6679% | 1,215 |
| Credit loss provision to net charge-offs | 141.5671% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.3658% | 4,760 |
| Efficiency ratio | 56.8494% | 6,887 |
| Assets per employee ($millions) | 4.4461% | 2,945 |
| Cash dividends to net income (ytd only)* | 1,521.5175% | 16 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7665% | 2,394 |
| Loan loss allowance to noncurrent loans | 70.4190% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 3,141 |
| Noncurrent loans to loans | 2.5086% | 2,999 |
| Net loans and leases to total assets | 80.9181% | 997 |
| Net loans and leases to deposits | 99.8884% | 1,113 |
| Net loans and leases to core deposits | 116.0793% | 2,614 |
| Total domestic deposits to total assets | 81.0084% | 5,078 |
| Equity capital to assets | 10.1826% | 3,866 |
| Core capital (leverage) ratio | 6.5904% | 7,633 |
| Tier 1 risk-based capital ratio | 7.7262% | 7,831 |
| Total risk-based capital ratio | 11.0330% | 7,118 |
| Memoranda: |
| Average total assets | $4,276,042,500 | 205 |
| Average earning assets | $3,837,785,250 | 203 |
| Average equity | $429,976,500 | 206 |
| Average total loans | $3,498,422,750 | 174 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1387% | 6,285 |
| Cost of funding earning assets | 1.3802% | 6,549 |
| Net interest margin | 3.7585% | 3,721 |
| Noninterest income to average assets | 1.0521% | 1,426 |
| Noninterest expense to average assets | 2.7007% | 5,384 |
| Loan and lease loss provision to assets | 2.4878% | 630 |
| Net operating income to assets | -0.3677% | 6,410 |
| Return on assets (ROA) | -0.4347% | 6,491 |
| Pretax return on assets | -0.8649% | 6,724 |
| Return on Equity (ROE) | -4.3409% | 6,522 |
| Retained earnings to average equity (ytd only) | -12.2825% | 7,071 |
| Net charge-offs to loans | 2.1837% | 836 |
| Credit loss provision to net charge-offs | 139.5603% | 3,346 |
| Earnings coverage of net charge-offs (x) | 0.9691% | 4,805 |
| Efficiency ratio | 59.7343% | 6,591 |
| Assets per employee ($millions) | 4.4638% | 2,818 |
| Cash dividends to net income (ytd only)* | -182.9505% | 8,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6728% | 2,437 |
| Loan loss allowance to noncurrent loans | 81.0200% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.7318% | 3,586 |
| Noncurrent loans to loans | 2.0647% | 3,429 |
| Net loans and leases to total assets | 80.7310% | 1,183 |
| Net loans and leases to deposits | 104.1635% | 899 |
| Net loans and leases to core deposits | 118.8550% | 2,470 |
| Total domestic deposits to total assets | 77.5041% | 6,201 |
| Equity capital to assets | 9.8978% | 4,087 |
| Core capital (leverage) ratio | 6.2976% | 7,857 |
| Tier 1 risk-based capital ratio | 7.4911% | 7,963 |
| Total risk-based capital ratio | 10.7759% | 7,325 |
| Memoranda: |
| Average total assets | $4,306,783,000 | 208 |
| Average earning assets | $3,868,752,670 | 205 |
| Average equity | $431,295,330 | 209 |
| Average total loans | $3,515,781,330 | 180 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1417% | 6,520 |
| Cost of funding earning assets | 1.4438% | 6,597 |
| Net interest margin | 3.6979% | 3,898 |
| Noninterest income to average assets | 0.9789% | 1,549 |
| Noninterest expense to average assets | 2.3376% | 6,411 |
| Loan and lease loss provision to assets | 1.9653% | 618 |
| Net operating income to assets | -0.0002% | 6,257 |
| Return on assets (ROA) | -0.0894% | 6,514 |
| Pretax return on assets | -0.0893% | 6,467 |
| Return on Equity (ROE) | -0.8878% | 6,526 |
| Retained earnings to average equity (ytd only) | -8.6970% | 6,985 |
| Net charge-offs to loans | 0.4776% | 2,256 |
| Credit loss provision to net charge-offs | 505.5306% | 1,065 |
| Earnings coverage of net charge-offs (x) | 5.0551% | 2,756 |
| Efficiency ratio | 53.0324% | 7,314 |
| Assets per employee ($millions) | 4.4794% | 2,758 |
| Cash dividends to net income (ytd only)* | -879.6506% | 8,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7008% | 2,150 |
| Loan loss allowance to noncurrent loans | 65.0179% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.1765% | 2,630 |
| Noncurrent loans to loans | 2.6158% | 2,520 |
| Net loans and leases to total assets | 80.5210% | 1,289 |
| Net loans and leases to deposits | 103.0747% | 1,083 |
| Net loans and leases to core deposits | 117.9346% | 2,603 |
| Total domestic deposits to total assets | 78.1191% | 5,972 |
| Equity capital to assets | 10.1186% | 3,869 |
| Core capital (leverage) ratio | 6.5975% | 7,838 |
| Tier 1 risk-based capital ratio | 7.8508% | 8,027 |
| Total risk-based capital ratio | 11.1070% | 6,979 |
| Memoranda: |
| Average total assets | $4,353,241,000 | 205 |
| Average earning assets | $3,913,022,500 | 202 |
| Average equity | $438,402,500 | 208 |
| Average total loans | $3,543,786,000 | 181 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9624% | 5,742 |
| Cost of funding earning assets | 1.9708% | 6,505 |
| Net interest margin | 3.9916% | 3,157 |
| Noninterest income to average assets | 1.0275% | 1,499 |
| Noninterest expense to average assets | 2.1099% | 7,215 |
| Loan and lease loss provision to assets | 0.3219% | 3,802 |
| Net operating income to assets | 1.5902% | 848 |
| Return on assets (ROA) | 1.5658% | 866 |
| Pretax return on assets | 2.1664% | 430 |
| Return on Equity (ROE) | 16.1085% | 753 |
| Retained earnings to average equity (ytd only) | -5.9028% | 6,653 |
| Net charge-offs to loans | 0.3060% | 3,355 |
| Credit loss provision to net charge-offs | 129.3751% | 4,120 |
| Earnings coverage of net charge-offs (x) | 10.1376% | 2,569 |
| Efficiency ratio | 44.9801% | 7,974 |
| Assets per employee ($millions) | 4.5802% | 2,500 |
| Cash dividends to net income (ytd only)* | 136.6440% | 548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1962% | 4,565 |
| Loan loss allowance to noncurrent loans | 100.5725% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 4,378 |
| Noncurrent loans to loans | 1.1894% | 4,128 |
| Net loans and leases to total assets | 79.9427% | 1,678 |
| Net loans and leases to deposits | 109.2169% | 888 |
| Net loans and leases to core deposits | 123.6893% | 2,342 |
| Total domestic deposits to total assets | 73.1962% | 6,793 |
| Equity capital to assets | 10.0241% | 4,011 |
| Core capital (leverage) ratio | 6.7048% | 7,857 |
| Tier 1 risk-based capital ratio | 7.9654% | 8,089 |
| Total risk-based capital ratio | 11.1642% | 6,716 |
| Memoranda: |
| Average total assets | $4,000,893,400 | 211 |
| Average earning assets | $3,612,981,800 | 209 |
| Average equity | $388,899,200 | 224 |
| Average total loans | $3,252,554,200 | 191 |
