Home > Sandy Spring Bank > Performance and Condition Ratios
Sandy Spring Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 2,301 |
| Cost of funding earning assets | 2.0734% | 812 |
| Net interest margin | 2.8153% | 3,632 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.9499% | 3,734 |
| Loan and lease loss provision to assets | -0.1300% | 4,536 |
| Net operating income to assets | 0.9640% | 2,323 |
| Return on assets (ROA) | 0.9640% | 2,312 |
| Pretax return on assets | 1.2815% | 1,920 |
| Return on Equity (ROE) | 7.4600% | 3,169 |
| Retained earnings to average equity (ytd only) | 1.1792% | 3,792 |
| Net charge-offs to loans | 0.0130% | 2,165 |
| Credit loss provision to net charge-offs | -936.9521% | 4,562 |
| Earnings coverage of net charge-offs (x) | 109.3028% | 862 |
| Efficiency ratio | 61.5762% | 2,893 |
| Assets per employee ($millions) | 12.7713% | 343 |
| Cash dividends to net income (ytd only)* | 84.1874% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,012 |
| Loan loss allowance to noncurrent loans | 131.5881% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 813 |
| Noncurrent loans to loans | 0.8073% | 959 |
| Net loans and leases to total assets | 80.2800% | 613 |
| Net loans and leases to deposits | 101.2235% | 470 |
| Net loans and leases to core deposits | 117.4487% | 703 |
| Total domestic deposits to total assets | 79.3100% | 3,566 |
| Equity capital to assets | 13.0612% | 852 |
| Core capital (leverage) ratio | 11.2980% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8375% | 1,922 |
| Memoranda: | ||
| Average total assets | $14,019,100,400 | 127 |
| Average earning assets | $13,040,491,400 | 122 |
| Average equity | $1,812,223,000 | 103 |
| Average total loans | $11,381,676,600 | 112 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 2,212 |
| Cost of funding earning assets | 1.9341% | 804 |
| Net interest margin | 2.8925% | 3,564 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.9653% | 3,676 |
| Loan and lease loss provision to assets | -0.1300% | 4,559 |
| Net operating income to assets | 1.0121% | 2,334 |
| Return on assets (ROA) | 1.0121% | 2,317 |
| Pretax return on assets | 1.3485% | 1,898 |
| Return on Equity (ROE) | 7.8500% | 3,221 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,361 |
| Net charge-offs to loans | 0.0183% | 1,769 |
| Credit loss provision to net charge-offs | -725.2402% | 4,584 |
| Earnings coverage of net charge-offs (x) | 81.7860% | 1,037 |
| Efficiency ratio | 60.6675% | 2,892 |
| Assets per employee ($millions) | 12.9164% | 303 |
| Cash dividends to net income (ytd only)* | 54.4769% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 2,914 |
| Loan loss allowance to noncurrent loans | 238.3204% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 1,558 |
| Noncurrent loans to loans | 0.4573% | 1,681 |
| Net loans and leases to total assets | 79.2300% | 739 |
| Net loans and leases to deposits | 99.6272% | 531 |
| Net loans and leases to core deposits | 118.0675% | 602 |
| Total domestic deposits to total assets | 79.5300% | 3,598 |
| Equity capital to assets | 12.8769% | 842 |
| Core capital (leverage) ratio | 11.5681% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0952% | 1,860 |
| Memoranda: | ||
| Average total assets | $14,018,160,500 | 128 |
| Average earning assets | $13,035,751,500 | 123 |
| Average equity | $1,807,390,750 | 104 |
| Average total loans | $11,382,639,500 | 113 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 2,077 |
| Cost of funding earning assets | 1.7662% | 789 |
| Net interest margin | 2.9960% | 3,443 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 1.9236% | 3,770 |
| Loan and lease loss provision to assets | -0.2400% | 4,621 |
| Net operating income to assets | 1.1835% | 1,871 |
| Return on assets (ROA) | 1.1835% | 1,866 |
| Pretax return on assets | 1.5798% | 1,448 |
| Return on Equity (ROE) | 9.1800% | 2,933 |
| Retained earnings to average equity (ytd only) | 4.8431% | 2,979 |
| Net charge-offs to loans | 0.0257% | 1,366 |
| Credit loss provision to net charge-offs | -989.8224% | 4,622 |
| Earnings coverage of net charge-offs (x) | 64.1776% | 1,162 |
| Efficiency ratio | 57.7406% | 3,217 |
| Assets per employee ($millions) | 12.6469% | 326 |
| Cash dividends to net income (ytd only)* | 47.2144% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,157 |
| Loan loss allowance to noncurrent loans | 243.1896% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 1,488 |
| Noncurrent loans to loans | 0.4342% | 1,632 |
| Net loans and leases to total assets | 80.5800% | 572 |
| Net loans and leases to deposits | 102.0766% | 429 |
| Net loans and leases to core deposits | 122.0752% | 471 |
| Total domestic deposits to total assets | 78.9400% | 3,731 |
| Equity capital to assets | 13.0253% | 805 |
| Core capital (leverage) ratio | 11.4989% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8620% | 1,956 |
| Memoranda: | ||
| Average total assets | $13,980,717,667 | 124 |
| Average earning assets | $12,997,668,333 | 121 |
| Average equity | $1,803,332,000 | 102 |
| Average total loans | $11,403,676,667 | 110 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,952 |
| Cost of funding earning assets | 1.5552% | 758 |
| Net interest margin | 3.1021% | 3,342 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.8869% | 3,879 |
| Loan and lease loss provision to assets | -0.6200% | 4,664 |
| Net operating income to assets | 1.5614% | 1,054 |
| Return on assets (ROA) | 1.5614% | 1,048 |
| Pretax return on assets | 2.0792% | 678 |
| Return on Equity (ROE) | 12.1700% | 2,175 |
| Retained earnings to average equity (ytd only) | 7.8107% | 2,273 |
| Net charge-offs to loans | -0.0111% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.2121% | 3,486 |
| Assets per employee ($millions) | 12.0742% | 389 |
| Cash dividends to net income (ytd only)* | 35.7941% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,384 |
| Loan loss allowance to noncurrent loans | 248.9311% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 1,501 |
| Noncurrent loans to loans | 0.4140% | 1,692 |
| Net loans and leases to total assets | 79.9500% | 548 |
| Net loans and leases to deposits | 101.2142% | 386 |
| Net loans and leases to core deposits | 120.8624% | 413 |
| Total domestic deposits to total assets | 78.9900% | 3,900 |
| Equity capital to assets | 12.8844% | 783 |
| Core capital (leverage) ratio | 11.5301% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6923% | 2,099 |
| Memoranda: | ||
| Average total assets | $13,977,363,500 | 126 |
| Average earning assets | $12,998,513,000 | 122 |
| Average equity | $1,794,048,500 | 105 |
| Average total loans | $11,409,957,000 | 113 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 1,684 |
| Cost of funding earning assets | 0.4459% | 1,747 |
| Net interest margin | 3.5657% | 1,743 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 1.9232% | 3,783 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 1.3449% | 1,296 |
| Return on assets (ROA) | 1.3428% | 1,260 |
| Pretax return on assets | 1.7886% | 758 |
| Return on Equity (ROE) | 10.3600% | 2,694 |
| Retained earnings to average equity (ytd only) | 6.5653% | 2,423 |
| Net charge-offs to loans | -0.0039% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.3043% | 4,285 |
| Assets per employee ($millions) | 12.1939% | 369 |
| Cash dividends to net income (ytd only)* | 36.6576% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,421 |
| Loan loss allowance to noncurrent loans | 380.7367% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 1,844 |
| Noncurrent loans to loans | 0.3137% | 2,025 |
| Net loans and leases to total assets | 81.5200% | 452 |
| Net loans and leases to deposits | 102.1549% | 359 |
| Net loans and leases to core deposits | 116.9216% | 429 |
| Total domestic deposits to total assets | 79.8000% | 3,905 |
| Equity capital to assets | 12.7853% | 745 |
| Core capital (leverage) ratio | 11.4599% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4734% | 2,178 |
| Memoranda: | ||
| Average total assets | $13,287,987,800 | 135 |
| Average earning assets | $12,355,936,400 | 131 |
| Average equity | $1,721,560,800 | 110 |
| Average total loans | $10,723,392,000 | 116 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 1,693 |
| Cost of funding earning assets | 0.2179% | 3,065 |
| Net interest margin | 3.6010% | 1,386 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 1.9419% | 3,648 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.4324% | 1,001 |
| Return on assets (ROA) | 1.4328% | 976 |
| Pretax return on assets | 1.9055% | 577 |
| Return on Equity (ROE) | 11.0200% | 2,373 |
| Retained earnings to average equity (ytd only) | 7.4434% | 2,216 |
| Net charge-offs to loans | -0.0044% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.4340% | 4,354 |
| Assets per employee ($millions) | 12.1467% | 365 |
| Cash dividends to net income (ytd only)* | 32.4603% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,829 |
| Loan loss allowance to noncurrent loans | 302.6236% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 1,686 |
| Noncurrent loans to loans | 0.3774% | 1,881 |
| Net loans and leases to total assets | 80.6700% | 475 |
| Net loans and leases to deposits | 102.5108% | 282 |
| Net loans and leases to core deposits | 114.3852% | 354 |
| Total domestic deposits to total assets | 78.6900% | 4,205 |
| Equity capital to assets | 12.6257% | 745 |
| Core capital (leverage) ratio | 11.5130% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4260% | 2,302 |
| Memoranda: | ||
| Average total assets | $13,153,014,000 | 137 |
| Average earning assets | $12,232,360,000 | 131 |
| Average equity | $1,709,968,000 | 113 |
| Average total loans | $10,552,137,250 | 117 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 1,676 |
| Cost of funding earning assets | 0.1060% | 4,128 |
| Net interest margin | 3.5447% | 1,194 |
| Noninterest income to average assets | 0.8617% | 922 |
| Noninterest expense to average assets | 1.9491% | 3,574 |
| Loan and lease loss provision to assets | 0.0724% | 1,329 |
| Net operating income to assets | 1.6112% | 534 |
| Return on assets (ROA) | 1.6117% | 518 |
| Pretax return on assets | 2.1392% | 272 |
| Return on Equity (ROE) | 12.2719% | 1,595 |
| Retained earnings to average equity (ytd only) | 6.8767% | 2,027 |
| Net charge-offs to loans | 0.0030% | 1,961 |
| Credit loss provision to net charge-offs | 3,020.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 923.5484% | 142 |
| Efficiency ratio | 45.7496% | 4,463 |
| Assets per employee ($millions) | 11.6648% | 411 |
| Cash dividends to net income (ytd only)* | 43.9640% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,361 |
| Loan loss allowance to noncurrent loans | 274.8350% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 1,742 |
| Noncurrent loans to loans | 0.3826% | 1,991 |
| Net loans and leases to total assets | 80.4355% | 376 |
| Net loans and leases to deposits | 96.6500% | 402 |
| Net loans and leases to core deposits | 107.3488% | 411 |
| Total domestic deposits to total assets | 83.2235% | 3,830 |
| Equity capital to assets | 13.1197% | 647 |
| Core capital (leverage) ratio | 11.6608% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5506% | 2,272 |
| Memoranda: | ||
| Average total assets | $12,949,953,333 | 136 |
| Average earning assets | $12,049,137,667 | 134 |
| Average equity | $1,700,766,000 | 115 |
| Average total loans | $10,326,088,667 | 114 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 1,596 |
| Cost of funding earning assets | 0.0794% | 4,365 |
| Net interest margin | 3.4892% | 1,112 |
| Noninterest income to average assets | 0.6448% | 1,512 |
| Noninterest expense to average assets | 1.9400% | 3,573 |
| Loan and lease loss provision to assets | 0.0438% | 1,568 |
| Net operating income to assets | 1.4414% | 724 |
| Return on assets (ROA) | 1.4416% | 720 |
| Pretax return on assets | 1.9072% | 440 |
| Return on Equity (ROE) | 10.9708% | 1,629 |
| Retained earnings to average equity (ytd only) | 6.2067% | 2,176 |
| Net charge-offs to loans | 0.0076% | 1,472 |
| Credit loss provision to net charge-offs | 856.0209% | 380 |
| Earnings coverage of net charge-offs (x) | 326.2251% | 298 |
| Efficiency ratio | 48.6473% | 4,372 |
| Assets per employee ($millions) | 11.2254% | 479 |
| Cash dividends to net income (ytd only)* | 43.4249% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,377 |
| Loan loss allowance to noncurrent loans | 250.3951% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,711 |
| Noncurrent loans to loans | 0.4346% | 1,941 |
| Net loans and leases to total assets | 77.5242% | 411 |
| Net loans and leases to deposits | 91.6098% | 451 |
| Net loans and leases to core deposits | 100.3357% | 502 |
| Total domestic deposits to total assets | 84.6243% | 3,629 |
| Equity capital to assets | 13.3990% | 622 |
| Core capital (leverage) ratio | 11.7088% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4899% | 1,648 |
| Memoranda: | ||
| Average total assets | $12,775,977,500 | 138 |
| Average earning assets | $11,885,478,500 | 136 |
| Average equity | $1,678,826,500 | 121 |
| Average total loans | $10,084,182,500 | 116 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 1,929 |
| Cost of funding earning assets | 0.1603% | 3,865 |
| Net interest margin | 3.6142% | 1,431 |
| Noninterest income to average assets | 0.7869% | 1,482 |
| Noninterest expense to average assets | 2.0205% | 3,618 |
| Loan and lease loss provision to assets | -0.3647% | 4,797 |
| Net operating income to assets | 1.8807% | 426 |
| Return on assets (ROA) | 1.8820% | 454 |
| Pretax return on assets | 2.4909% | 261 |
| Return on Equity (ROE) | 14.9295% | 966 |
| Retained earnings to average equity (ytd only) | 3.2333% | 3,535 |
| Net charge-offs to loans | 0.1047% | 833 |
| Credit loss provision to net charge-offs | -426.9941% | 3,721 |
| Earnings coverage of net charge-offs (x) | 25.5486% | 1,721 |
| Efficiency ratio | 47.5039% | 4,437 |
| Assets per employee ($millions) | 10.9164% | 524 |
| Cash dividends to net income (ytd only)* | 78.3428% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,393 |
| Loan loss allowance to noncurrent loans | 233.9965% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 1,712 |
| Noncurrent loans to loans | 0.4661% | 1,965 |
| Net loans and leases to total assets | 78.6340% | 344 |
| Net loans and leases to deposits | 92.6391% | 434 |
| Net loans and leases to core deposits | 100.9449% | 493 |
| Total domestic deposits to total assets | 84.8821% | 3,308 |
| Equity capital to assets | 12.8743% | 937 |
| Core capital (leverage) ratio | 10.0912% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8546% | 2,298 |
| Memoranda: | ||
| Average total assets | $12,830,005,000 | 137 |
| Average earning assets | $11,921,124,800 | 135 |
| Average equity | $1,617,385,000 | 129 |
| Average total loans | $10,189,344,200 | 118 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 2,044 |
| Cost of funding earning assets | 0.1807% | 3,816 |
| Net interest margin | 3.6051% | 1,587 |
| Noninterest income to average assets | 0.8185% | 1,468 |
| Noninterest expense to average assets | 2.0083% | 3,647 |
| Loan and lease loss provision to assets | -0.5008% | 4,882 |
| Net operating income to assets | 2.0078% | 454 |
| Return on assets (ROA) | 2.0093% | 477 |
| Pretax return on assets | 2.6610% | 262 |
| Return on Equity (ROE) | 16.0221% | 946 |
| Retained earnings to average equity (ytd only) | 1.6346% | 4,288 |
| Net charge-offs to loans | 0.1343% | 602 |
| Credit loss provision to net charge-offs | -457.3244% | 3,623 |
| Earnings coverage of net charge-offs (x) | 20.2439% | 1,738 |
| Efficiency ratio | 46.9607% | 4,447 |
| Assets per employee ($millions) | 11.1736% | 459 |
| Cash dividends to net income (ytd only)* | 89.7975% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,418 |
| Loan loss allowance to noncurrent loans | 142.0604% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 1,292 |
| Noncurrent loans to loans | 0.7779% | 1,455 |
| Net loans and leases to total assets | 74.2583% | 670 |
| Net loans and leases to deposits | 87.0089% | 769 |
| Net loans and leases to core deposits | 95.8258% | 753 |
| Total domestic deposits to total assets | 85.3457% | 3,002 |
| Equity capital to assets | 12.2513% | 1,286 |
| Core capital (leverage) ratio | 9.7298% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9330% | 2,389 |
| Memoranda: | ||
| Average total assets | $12,890,853,500 | 136 |
| Average earning assets | $11,971,995,000 | 135 |
| Average equity | $1,616,623,250 | 129 |
| Average total loans | $10,235,055,000 | 119 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 1,977 |
| Cost of funding earning assets | 0.2053% | 3,696 |
| Net interest margin | 3.6312% | 1,516 |
| Noninterest income to average assets | 0.8528% | 1,386 |
| Noninterest expense to average assets | 2.0433% | 3,565 |
| Loan and lease loss provision to assets | -0.6240% | 4,928 |
| Net operating income to assets | 2.1241% | 383 |
| Return on assets (ROA) | 2.1257% | 404 |
| Pretax return on assets | 2.8070% | 232 |
| Return on Equity (ROE) | 16.8196% | 812 |
| Retained earnings to average equity (ytd only) | 9.4021% | 1,589 |
| Net charge-offs to loans | 0.0480% | 1,147 |
| Credit loss provision to net charge-offs | -1,559.5992% | 3,772 |
| Earnings coverage of net charge-offs (x) | 56.1723% | 1,002 |
| Efficiency ratio | 47.1355% | 4,454 |
| Assets per employee ($millions) | 11.0080% | 456 |
| Cash dividends to net income (ytd only)* | 44.1001% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,820 |
| Loan loss allowance to noncurrent loans | 134.6232% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7227% | 1,137 |
| Noncurrent loans to loans | 0.9060% | 1,369 |
| Net loans and leases to total assets | 77.7522% | 461 |
| Net loans and leases to deposits | 91.6517% | 561 |
| Net loans and leases to core deposits | 101.7742% | 598 |
| Total domestic deposits to total assets | 84.8344% | 3,169 |
| Equity capital to assets | 12.8136% | 1,012 |
| Core capital (leverage) ratio | 10.2580% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7803% | 2,065 |
| Memoranda: | ||
| Average total assets | $12,852,441,667 | 135 |
| Average earning assets | $11,933,010,333 | 136 |
| Average equity | $1,624,359,667 | 128 |
| Average total loans | $10,391,398,000 | 117 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 1,987 |
| Cost of funding earning assets | 0.2544% | 3,431 |
| Net interest margin | 3.5828% | 1,633 |
| Noninterest income to average assets | 0.8931% | 1,344 |
| Noninterest expense to average assets | 2.1374% | 3,311 |
| Loan and lease loss provision to assets | -1.1122% | 4,960 |
| Net operating income to assets | 2.4136% | 307 |
| Return on assets (ROA) | 2.4150% | 330 |
| Pretax return on assets | 3.1955% | 190 |
| Return on Equity (ROE) | 19.2428% | 598 |
| Retained earnings to average equity (ytd only) | 14.8661% | 640 |
| Net charge-offs to loans | 0.0113% | 1,525 |
| Credit loss provision to net charge-offs | -11,646.9799% | 3,808 |
| Earnings coverage of net charge-offs (x) | 223.9027% | 371 |
| Efficiency ratio | 49.4081% | 4,237 |
| Assets per employee ($millions) | 11.2421% | 415 |
| Cash dividends to net income (ytd only)* | 22.7444% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,726 |
| Loan loss allowance to noncurrent loans | 135.1910% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 1,201 |
| Noncurrent loans to loans | 0.9156% | 1,479 |
| Net loans and leases to total assets | 80.8761% | 292 |
| Net loans and leases to deposits | 96.8606% | 380 |
| Net loans and leases to core deposits | 112.2235% | 354 |
| Total domestic deposits to total assets | 83.4974% | 3,570 |
| Equity capital to assets | 12.6667% | 1,006 |
| Core capital (leverage) ratio | 10.1064% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7244% | 1,994 |
| Memoranda: | ||
| Average total assets | $12,822,483,500 | 136 |
| Average earning assets | $11,902,247,000 | 136 |
| Average equity | $1,609,270,000 | 129 |
| Average total loans | $10,505,298,500 | 116 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 2,467 |
| Cost of funding earning assets | 0.4981% | 2,963 |
| Net interest margin | 3.5863% | 2,185 |
| Noninterest income to average assets | 0.9018% | 1,261 |
| Noninterest expense to average assets | 2.2544% | 3,528 |
| Loan and lease loss provision to assets | 0.7614% | 179 |
| Net operating income to assets | 0.9260% | 2,584 |
| Return on assets (ROA) | 0.9293% | 2,714 |
| Pretax return on assets | 1.1911% | 2,354 |
| Return on Equity (ROE) | 7.2859% | 3,083 |
| Retained earnings to average equity (ytd only) | 2.1012% | 3,782 |
| Net charge-offs to loans | 0.0090% | 3,007 |
| Credit loss provision to net charge-offs | 10,602.5990% | 94 |
| Earnings coverage of net charge-offs (x) | 271.3218% | 369 |
| Efficiency ratio | 52.3265% | 4,365 |
| Assets per employee ($millions) | 11.3838% | 368 |
| Cash dividends to net income (ytd only)* | 71.1608% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,357 |
| Loan loss allowance to noncurrent loans | 146.1700% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 1,108 |
| Noncurrent loans to loans | 1.0796% | 1,316 |
| Net loans and leases to total assets | 80.6744% | 384 |
| Net loans and leases to deposits | 102.1738% | 308 |
| Net loans and leases to core deposits | 115.6595% | 374 |
| Total domestic deposits to total assets | 78.9580% | 4,204 |
| Equity capital to assets | 12.4334% | 1,352 |
| Core capital (leverage) ratio | 9.9307% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2380% | 2,538 |
| Memoranda: | ||
| Average total assets | $11,252,168,400 | 140 |
| Average earning assets | $10,356,983,600 | 138 |
| Average equity | $1,435,180,800 | 134 |
| Average total loans | $8,972,462,000 | 131 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,499 |
| Cost of funding earning assets | 0.5583% | 2,878 |
| Net interest margin | 3.6003% | 2,271 |
| Noninterest income to average assets | 0.8518% | 1,345 |
| Noninterest expense to average assets | 2.3600% | 3,257 |
| Loan and lease loss provision to assets | 1.1060% | 108 |
| Net operating income to assets | 0.5617% | 3,873 |
| Return on assets (ROA) | 0.5660% | 3,958 |
| Pretax return on assets | 0.6978% | 3,906 |
| Return on Equity (ROE) | 4.4050% | 4,062 |
| Retained earnings to average equity (ytd only) | 0.4680% | 4,392 |
| Net charge-offs to loans | 0.0055% | 2,945 |
| Credit loss provision to net charge-offs | 25,613.0682% | 47 |
| Earnings coverage of net charge-offs (x) | 416.5170% | 276 |
| Efficiency ratio | 55.4038% | 3,989 |
| Assets per employee ($millions) | 11.1693% | 371 |
| Cash dividends to net income (ytd only)* | 89.3763% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 1,012 |
| Loan loss allowance to noncurrent loans | 237.0925% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 1,997 |
| Noncurrent loans to loans | 0.6892% | 2,069 |
| Net loans and leases to total assets | 80.9438% | 528 |
| Net loans and leases to deposits | 102.3878% | 438 |
| Net loans and leases to core deposits | 114.1778% | 546 |
| Total domestic deposits to total assets | 79.0561% | 4,051 |
| Equity capital to assets | 12.3346% | 1,495 |
| Core capital (leverage) ratio | 9.8255% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4021% | 2,459 |
| Memoranda: | ||
| Average total assets | $10,869,205,250 | 140 |
| Average earning assets | $9,982,509,250 | 138 |
| Average equity | $1,396,605,250 | 138 |
| Average total loans | $8,595,877,250 | 133 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 2,639 |
| Cost of funding earning assets | 0.6100% | 2,918 |
| Net interest margin | 3.6287% | 2,386 |
| Noninterest income to average assets | 0.7925% | 1,456 |
| Noninterest expense to average assets | 2.5785% | 2,742 |
| Loan and lease loss provision to assets | 1.6193% | 68 |
| Net operating income to assets | -0.0150% | 4,791 |
| Return on assets (ROA) | -0.0091% | 4,798 |
| Pretax return on assets | -0.0885% | 4,821 |
| Return on Equity (ROE) | -0.0698% | 4,798 |
| Retained earnings to average equity (ytd only) | -3.7459% | 4,710 |
| Net charge-offs to loans | 0.0046% | 2,816 |
| Credit loss provision to net charge-offs | 45,689.5604% | 27 |
| Earnings coverage of net charge-offs (x) | 429.8242% | 232 |
| Efficiency ratio | 61.6270% | 3,179 |
| Assets per employee ($millions) | 11.4060% | 357 |
| Cash dividends to net income (ytd only)* | -5,268.1624% | 5,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 1,078 |
| Loan loss allowance to noncurrent loans | 211.3073% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 2,031 |
| Noncurrent loans to loans | 0.7431% | 2,019 |
| Net loans and leases to total assets | 77.1907% | 967 |
| Net loans and leases to deposits | 101.2259% | 480 |
| Net loans and leases to core deposits | 113.6705% | 611 |
| Total domestic deposits to total assets | 76.2559% | 4,403 |
| Equity capital to assets | 11.5151% | 1,962 |
| Core capital (leverage) ratio | 9.8170% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5208% | 2,390 |
| Memoranda: | ||
| Average total assets | $10,270,271,333 | 143 |
| Average earning assets | $9,366,514,667 | 140 |
| Average equity | $1,341,372,667 | 141 |
| Average total loans | $7,986,949,000 | 136 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 3,172 |
| Cost of funding earning assets | 0.8743% | 1,993 |
| Net interest margin | 3.3395% | 3,486 |
| Noninterest income to average assets | 0.8198% | 1,255 |
| Noninterest expense to average assets | 2.1615% | 4,096 |
| Loan and lease loss provision to assets | 1.1164% | 180 |
| Net operating income to assets | 0.5328% | 3,797 |
| Return on assets (ROA) | 0.5401% | 3,834 |
| Pretax return on assets | 0.5767% | 3,963 |
| Return on Equity (ROE) | 3.7950% | 4,005 |
| Retained earnings to average equity (ytd only) | 0.4623% | 3,890 |
| Net charge-offs to loans | 0.0323% | 1,744 |
| Credit loss provision to net charge-offs | 4,473.3090% | 182 |
| Earnings coverage of net charge-offs (x) | 67.5338% | 744 |
| Efficiency ratio | 55.4758% | 4,262 |
| Assets per employee ($millions) | 9.4569% | 451 |
| Cash dividends to net income (ytd only)* | 87.8179% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,318 |
| Loan loss allowance to noncurrent loans | 166.9832% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,221 |
| Noncurrent loans to loans | 0.7567% | 2,109 |
| Net loans and leases to total assets | 75.1786% | 1,430 |
| Net loans and leases to deposits | 100.8663% | 497 |
| Net loans and leases to core deposits | 113.9549% | 665 |
| Total domestic deposits to total assets | 74.5329% | 4,618 |
| Equity capital to assets | 14.0514% | 1,039 |
| Core capital (leverage) ratio | 10.4535% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2227% | 2,609 |
| Memoranda: | ||
| Average total assets | $8,767,092,500 | 160 |
| Average earning assets | $7,946,947,000 | 159 |
| Average equity | $1,247,653,000 | 146 |
| Average total loans | $6,774,519,500 | 154 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 2,745 |
| Cost of funding earning assets | 1.0497% | 1,513 |
| Net interest margin | 3.5109% | 3,414 |
| Noninterest income to average assets | 0.8468% | 1,311 |
| Noninterest expense to average assets | 2.1135% | 4,334 |
| Loan and lease loss provision to assets | 0.0558% | 2,912 |
| Net operating income to assets | 1.4199% | 1,275 |
| Return on assets (ROA) | 1.4206% | 1,348 |
| Pretax return on assets | 1.8634% | 810 |
| Return on Equity (ROE) | 10.5329% | 2,072 |
| Retained earnings to average equity (ytd only) | 6.7682% | 1,495 |
| Net charge-offs to loans | 0.0306% | 2,783 |
| Credit loss provision to net charge-offs | 230.0098% | 1,164 |
| Earnings coverage of net charge-offs (x) | 79.0879% | 797 |
| Efficiency ratio | 51.8470% | 4,614 |
| Assets per employee ($millions) | 9.2450% | 462 |
| Cash dividends to net income (ytd only)* | 35.7430% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,219 |
| Loan loss allowance to noncurrent loans | 108.5428% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,042 |
| Noncurrent loans to loans | 0.7652% | 1,982 |
| Net loans and leases to total assets | 77.7917% | 1,115 |
| Net loans and leases to deposits | 102.6675% | 433 |
| Net loans and leases to core deposits | 113.9840% | 672 |
| Total domestic deposits to total assets | 75.7705% | 4,626 |
| Equity capital to assets | 14.4171% | 958 |
| Core capital (leverage) ratio | 10.9397% | 2,552 |
| Tier 1 risk-based capital ratio | 12.6500% | 3,975 |
| Total risk-based capital ratio | 13.4437% | 4,130 |
| Memoranda: | ||
| Average total assets | $8,394,383,000 | 158 |
| Average earning assets | $7,615,120,000 | 154 |
| Average equity | $1,132,199,600 | 148 |
| Average total loans | $6,645,089,600 | 149 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 2,653 |
| Cost of funding earning assets | 1.0852% | 1,404 |
| Net interest margin | 3.5355% | 3,450 |
| Noninterest income to average assets | 0.8300% | 1,328 |
| Noninterest expense to average assets | 2.1076% | 4,351 |
| Loan and lease loss provision to assets | 0.0484% | 2,926 |
| Net operating income to assets | 1.4293% | 1,389 |
| Return on assets (ROA) | 1.4296% | 1,441 |
| Pretax return on assets | 1.8803% | 911 |
| Return on Equity (ROE) | 10.7913% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.9562% | 1,881 |
| Net charge-offs to loans | 0.0306% | 2,461 |
| Credit loss provision to net charge-offs | 199.0796% | 1,319 |
| Earnings coverage of net charge-offs (x) | 79.2932% | 867 |
| Efficiency ratio | 51.6399% | 4,630 |
| Assets per employee ($millions) | 9.1676% | 453 |
| Cash dividends to net income (ytd only)* | 35.5385% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 4,332 |
| Loan loss allowance to noncurrent loans | 107.5677% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,130 |
| Noncurrent loans to loans | 0.7659% | 2,056 |
| Net loans and leases to total assets | 78.5796% | 1,051 |
| Net loans and leases to deposits | 101.5811% | 525 |
| Net loans and leases to core deposits | 112.4276% | 823 |
| Total domestic deposits to total assets | 77.3566% | 4,464 |
| Equity capital to assets | 13.5211% | 1,353 |
| Core capital (leverage) ratio | 9.8559% | 3,777 |
| Tier 1 risk-based capital ratio | 11.3985% | 4,723 |
| Total risk-based capital ratio | 12.1931% | 4,817 |
| Memoranda: | ||
| Average total assets | $8,338,892,000 | 159 |
| Average earning assets | $7,561,566,000 | 155 |
| Average equity | $1,104,692,250 | 151 |
| Average total loans | $6,616,628,750 | 150 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 2,532 |
| Cost of funding earning assets | 1.1048% | 1,282 |
| Net interest margin | 3.5397% | 3,469 |
| Noninterest income to average assets | 0.8026% | 1,339 |
| Noninterest expense to average assets | 2.1001% | 4,418 |
| Loan and lease loss provision to assets | 0.0362% | 3,091 |
| Net operating income to assets | 1.4323% | 1,339 |
| Return on assets (ROA) | 1.4324% | 1,388 |
| Pretax return on assets | 1.8783% | 875 |
| Return on Equity (ROE) | 10.8887% | 2,021 |
| Retained earnings to average equity (ytd only) | 7.0605% | 1,778 |
| Net charge-offs to loans | 0.0293% | 2,274 |
| Credit loss provision to net charge-offs | 155.6936% | 1,449 |
| Earnings coverage of net charge-offs (x) | 82.3416% | 798 |
| Efficiency ratio | 51.7302% | 4,671 |
| Assets per employee ($millions) | 9.1143% | 446 |
| Cash dividends to net income (ytd only)* | 35.1574% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,372 |
| Loan loss allowance to noncurrent loans | 109.8918% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,213 |
| Noncurrent loans to loans | 0.7447% | 2,128 |
| Net loans and leases to total assets | 78.0875% | 1,203 |
| Net loans and leases to deposits | 102.0993% | 531 |
| Net loans and leases to core deposits | 115.2823% | 716 |
| Total domestic deposits to total assets | 76.4819% | 4,623 |
| Equity capital to assets | 13.3398% | 1,414 |
| Core capital (leverage) ratio | 9.6935% | 3,939 |
| Tier 1 risk-based capital ratio | 11.4615% | 4,703 |
| Total risk-based capital ratio | 12.2672% | 4,818 |
| Memoranda: | ||
| Average total assets | $8,310,172,000 | 160 |
| Average earning assets | $7,540,482,670 | 156 |
| Average equity | $1,093,202,330 | 153 |
| Average total loans | $6,597,049,000 | 152 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 2,268 |
| Cost of funding earning assets | 1.1196% | 1,124 |
| Net interest margin | 3.5673% | 3,371 |
| Noninterest income to average assets | 0.8124% | 1,264 |
| Noninterest expense to average assets | 2.1132% | 4,441 |
| Loan and lease loss provision to assets | -0.0062% | 5,201 |
| Net operating income to assets | 1.4878% | 1,140 |
| Return on assets (ROA) | 1.4878% | 1,164 |
| Pretax return on assets | 1.9453% | 711 |
| Return on Equity (ROE) | 11.3912% | 1,785 |
| Retained earnings to average equity (ytd only) | 7.6615% | 1,786 |
| Net charge-offs to loans | 0.0163% | 2,142 |
| Credit loss provision to net charge-offs | -47.5836% | 3,486 |
| Earnings coverage of net charge-offs (x) | 149.0855% | 504 |
| Efficiency ratio | 51.5625% | 4,724 |
| Assets per employee ($millions) | 9.1382% | 450 |
| Cash dividends to net income (ytd only)* | 32.7419% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 4,508 |
| Loan loss allowance to noncurrent loans | 92.8228% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 1,996 |
| Noncurrent loans to loans | 0.8672% | 1,906 |
| Net loans and leases to total assets | 78.6689% | 1,044 |
| Net loans and leases to deposits | 104.8031% | 369 |
| Net loans and leases to core deposits | 120.2594% | 521 |
| Total domestic deposits to total assets | 75.0635% | 4,852 |
| Equity capital to assets | 13.1618% | 1,365 |
| Core capital (leverage) ratio | 9.4947% | 4,134 |
| Tier 1 risk-based capital ratio | 11.2153% | 4,872 |
| Total risk-based capital ratio | 12.0100% | 4,986 |
| Memoranda: | ||
| Average total assets | $8,272,699,000 | 160 |
| Average earning assets | $7,513,567,000 | 158 |
| Average equity | $1,080,523,000 | 156 |
| Average total loans | $6,594,697,500 | 154 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 1,822 |
| Cost of funding earning assets | 0.9006% | 1,095 |
| Net interest margin | 3.7983% | 2,661 |
| Noninterest income to average assets | 0.8017% | 1,441 |
| Noninterest expense to average assets | 2.3643% | 3,968 |
| Loan and lease loss provision to assets | 0.1197% | 1,848 |
| Net operating income to assets | 1.3605% | 1,569 |
| Return on assets (ROA) | 1.3625% | 1,551 |
| Pretax return on assets | 1.7883% | 952 |
| Return on Equity (ROE) | 10.9639% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.7627% | 1,777 |
| Net charge-offs to loans | 0.0133% | 3,234 |
| Credit loss provision to net charge-offs | 1,139.2677% | 347 |
| Earnings coverage of net charge-offs (x) | 181.4179% | 483 |
| Efficiency ratio | 54.7022% | 4,555 |
| Assets per employee ($millions) | 9.0436% | 461 |
| Cash dividends to net income (ytd only)* | 38.3185% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 4,498 |
| Loan loss allowance to noncurrent loans | 92.1348% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 1,910 |
| Noncurrent loans to loans | 0.8803% | 1,830 |
| Net loans and leases to total assets | 79.4798% | 1,022 |
| Net loans and leases to deposits | 110.1532% | 251 |
| Net loans and leases to core deposits | 126.6207% | 384 |
| Total domestic deposits to total assets | 72.1539% | 5,062 |
| Equity capital to assets | 12.9598% | 1,364 |
| Core capital (leverage) ratio | 9.3786% | 4,261 |
| Tier 1 risk-based capital ratio | 10.9180% | 5,008 |
| Total risk-based capital ratio | 11.7209% | 5,089 |
| Memoranda: | ||
| Average total assets | $7,540,839,200 | 167 |
| Average earning assets | $6,885,020,800 | 167 |
| Average equity | $937,111,600 | 167 |
| Average total loans | $5,943,830,600 | 159 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,626 |
| Cost of funding earning assets | 0.8502% | 1,119 |
| Net interest margin | 3.8655% | 2,416 |
| Noninterest income to average assets | 0.8437% | 1,348 |
| Noninterest expense to average assets | 2.4619% | 3,696 |
| Loan and lease loss provision to assets | 0.1017% | 1,967 |
| Net operating income to assets | 1.3836% | 1,544 |
| Return on assets (ROA) | 1.3856% | 1,539 |
| Pretax return on assets | 1.8135% | 985 |
| Return on Equity (ROE) | 11.2850% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.9679% | 2,141 |
| Net charge-offs to loans | 0.0108% | 3,037 |
| Credit loss provision to net charge-offs | 1,203.4261% | 339 |
| Earnings coverage of net charge-offs (x) | 226.3387% | 404 |
| Efficiency ratio | 55.6079% | 4,435 |
| Assets per employee ($millions) | 8.8123% | 473 |
| Cash dividends to net income (ytd only)* | 38.2551% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,674 |
| Loan loss allowance to noncurrent loans | 106.5076% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 2,332 |
| Noncurrent loans to loans | 0.7371% | 2,238 |
| Net loans and leases to total assets | 79.4361% | 1,100 |
| Net loans and leases to deposits | 107.5719% | 373 |
| Net loans and leases to core deposits | 119.8004% | 578 |
| Total domestic deposits to total assets | 73.8447% | 4,993 |
| Equity capital to assets | 12.9829% | 1,351 |
| Core capital (leverage) ratio | 9.3408% | 4,349 |
| Tier 1 risk-based capital ratio | 11.0436% | 5,015 |
| Total risk-based capital ratio | 11.8260% | 5,133 |
| Memoranda: | ||
| Average total assets | $7,368,632,750 | 170 |
| Average earning assets | $6,730,625,000 | 168 |
| Average equity | $904,752,000 | 170 |
| Average total loans | $5,781,186,500 | 157 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,500 |
| Cost of funding earning assets | 0.8122% | 1,075 |
| Net interest margin | 3.8916% | 2,230 |
| Noninterest income to average assets | 0.8907% | 1,208 |
| Noninterest expense to average assets | 2.6312% | 3,215 |
| Loan and lease loss provision to assets | 0.1043% | 1,866 |
| Net operating income to assets | 1.3106% | 1,730 |
| Return on assets (ROA) | 1.3120% | 1,723 |
| Pretax return on assets | 1.7158% | 1,178 |
| Return on Equity (ROE) | 10.9194% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.4460% | 2,338 |
| Net charge-offs to loans | 0.0177% | 2,557 |
| Credit loss provision to net charge-offs | 756.5923% | 518 |
| Earnings coverage of net charge-offs (x) | 131.8884% | 578 |
| Efficiency ratio | 58.4543% | 4,162 |
| Assets per employee ($millions) | 8.8444% | 471 |
| Cash dividends to net income (ytd only)* | 40.9677% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,778 |
| Loan loss allowance to noncurrent loans | 87.4678% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 2,103 |
| Noncurrent loans to loans | 0.8814% | 1,965 |
| Net loans and leases to total assets | 76.7080% | 1,529 |
| Net loans and leases to deposits | 106.5640% | 412 |
| Net loans and leases to core deposits | 117.2859% | 662 |
| Total domestic deposits to total assets | 71.9830% | 5,186 |
| Equity capital to assets | 12.5942% | 1,489 |
| Core capital (leverage) ratio | 9.1412% | 4,529 |
| Tier 1 risk-based capital ratio | 10.8749% | 5,118 |
| Total risk-based capital ratio | 11.6381% | 5,223 |
| Memoranda: | ||
| Average total assets | $7,151,781,330 | 171 |
| Average earning assets | $6,540,192,670 | 170 |
| Average equity | $859,295,670 | 176 |
| Average total loans | $5,568,068,330 | 159 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 809 |
| Cost of funding earning assets | 0.7976% | 963 |
| Net interest margin | 4.1356% | 1,351 |
| Noninterest income to average assets | 1.0243% | 870 |
| Noninterest expense to average assets | 2.9649% | 2,160 |
| Loan and lease loss provision to assets | 0.1200% | 1,573 |
| Net operating income to assets | 1.3225% | 1,570 |
| Return on assets (ROA) | 1.3255% | 1,566 |
| Pretax return on assets | 1.7381% | 1,027 |
| Return on Equity (ROE) | 11.3665% | 1,823 |
| Retained earnings to average equity (ytd only) | 6.5762% | 2,463 |
| Net charge-offs to loans | 0.0248% | 2,008 |
| Credit loss provision to net charge-offs | 618.2663% | 508 |
| Earnings coverage of net charge-offs (x) | 95.5728% | 633 |
| Efficiency ratio | 60.8488% | 3,958 |
| Assets per employee ($millions) | 8.6325% | 504 |
| Cash dividends to net income (ytd only)* | 42.1444% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 4,863 |
| Loan loss allowance to noncurrent loans | 95.2178% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 2,344 |
| Noncurrent loans to loans | 0.8093% | 2,193 |
| Net loans and leases to total assets | 76.6750% | 1,429 |
| Net loans and leases to deposits | 106.9298% | 350 |
| Net loans and leases to core deposits | 118.1241% | 644 |
| Total domestic deposits to total assets | 71.7059% | 5,300 |
| Equity capital to assets | 12.8411% | 1,322 |
| Core capital (leverage) ratio | 9.0740% | 4,598 |
| Tier 1 risk-based capital ratio | 10.9212% | 5,174 |
| Total risk-based capital ratio | 11.6769% | 5,299 |
| Memoranda: | ||
| Average total assets | $6,659,269,500 | 182 |
| Average earning assets | $6,110,483,000 | 176 |
| Average equity | $776,562,500 | 182 |
| Average total loans | $5,207,066,500 | 167 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 3,489 |
| Cost of funding earning assets | 0.5336% | 2,079 |
| Net interest margin | 3.4425% | 3,711 |
| Noninterest income to average assets | 0.9407% | 1,163 |
| Noninterest expense to average assets | 2.4270% | 3,998 |
| Loan and lease loss provision to assets | 0.0566% | 3,096 |
| Net operating income to assets | 1.0016% | 2,233 |
| Return on assets (ROA) | 1.0020% | 2,272 |
| Pretax return on assets | 1.6560% | 1,134 |
| Return on Equity (ROE) | 9.9422% | 1,906 |
| Retained earnings to average equity (ytd only) | 5.1456% | 2,031 |
| Net charge-offs to loans | 0.0434% | 2,926 |
| Credit loss provision to net charge-offs | 166.4989% | 1,618 |
| Earnings coverage of net charge-offs (x) | 50.3496% | 1,077 |
| Efficiency ratio | 58.5923% | 4,462 |
| Assets per employee ($millions) | 7.4481% | 787 |
| Cash dividends to net income (ytd only)* | 48.2444% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,649 |
| Loan loss allowance to noncurrent loans | 167.4474% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 2,761 |
| Noncurrent loans to loans | 0.6250% | 2,657 |
| Net loans and leases to total assets | 78.6973% | 1,185 |
| Net loans and leases to deposits | 107.7227% | 333 |
| Net loans and leases to core deposits | 112.5656% | 867 |
| Total domestic deposits to total assets | 73.0555% | 5,254 |
| Equity capital to assets | 9.9513% | 3,759 |
| Core capital (leverage) ratio | 8.8237% | 4,837 |
| Tier 1 risk-based capital ratio | 10.3709% | 5,418 |
| Total risk-based capital ratio | 11.3840% | 5,432 |
| Memoranda: | ||
| Average total assets | $5,258,657,200 | 204 |
| Average earning assets | $4,885,553,000 | 198 |
| Average equity | $529,965,000 | 220 |
| Average total loans | $4,123,191,400 | 185 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,501 |
| Cost of funding earning assets | 0.5194% | 2,112 |
| Net interest margin | 3.4371% | 3,717 |
| Noninterest income to average assets | 0.9662% | 1,100 |
| Noninterest expense to average assets | 2.3885% | 4,046 |
| Loan and lease loss provision to assets | 0.0626% | 2,817 |
| Net operating income to assets | 1.1333% | 1,942 |
| Return on assets (ROA) | 1.1338% | 1,995 |
| Pretax return on assets | 1.7085% | 1,099 |
| Return on Equity (ROE) | 11.2139% | 1,602 |
| Retained earnings to average equity (ytd only) | 6.3922% | 2,016 |
| Net charge-offs to loans | 0.0522% | 2,395 |
| Credit loss provision to net charge-offs | 153.7014% | 1,658 |
| Earnings coverage of net charge-offs (x) | 43.4304% | 1,226 |
| Efficiency ratio | 57.3860% | 4,577 |
| Assets per employee ($millions) | 7.3755% | 802 |
| Cash dividends to net income (ytd only)* | 42.9973% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,672 |
| Loan loss allowance to noncurrent loans | 159.2845% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 2,854 |
| Noncurrent loans to loans | 0.6713% | 2,693 |
| Net loans and leases to total assets | 78.0505% | 1,262 |
| Net loans and leases to deposits | 104.8453% | 454 |
| Net loans and leases to core deposits | 109.6828% | 1,046 |
| Total domestic deposits to total assets | 74.4435% | 5,193 |
| Equity capital to assets | 10.1756% | 3,717 |
| Core capital (leverage) ratio | 8.8665% | 4,907 |
| Tier 1 risk-based capital ratio | 10.5145% | 5,444 |
| Total risk-based capital ratio | 11.5383% | 5,461 |
| Memoranda: | ||
| Average total assets | $5,214,050,250 | 208 |
| Average earning assets | $4,843,063,500 | 200 |
| Average equity | $527,190,750 | 221 |
| Average total loans | $4,072,965,000 | 189 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,474 |
| Cost of funding earning assets | 0.4976% | 2,174 |
| Net interest margin | 3.4252% | 3,678 |
| Noninterest income to average assets | 0.9649% | 1,099 |
| Noninterest expense to average assets | 2.4112% | 4,019 |
| Loan and lease loss provision to assets | 0.0586% | 2,798 |
| Net operating income to assets | 1.1264% | 1,868 |
| Return on assets (ROA) | 1.1273% | 1,917 |
| Pretax return on assets | 1.6761% | 1,112 |
| Return on Equity (ROE) | 11.1737% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.3067% | 1,960 |
| Net charge-offs to loans | 0.0250% | 2,714 |
| Credit loss provision to net charge-offs | 300.7937% | 955 |
| Earnings coverage of net charge-offs (x) | 89.0238% | 706 |
| Efficiency ratio | 58.1300% | 4,574 |
| Assets per employee ($millions) | 7.1577% | 864 |
| Cash dividends to net income (ytd only)* | 43.5572% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,646 |
| Loan loss allowance to noncurrent loans | 149.6895% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 2,771 |
| Noncurrent loans to loans | 0.7276% | 2,570 |
| Net loans and leases to total assets | 77.8158% | 1,271 |
| Net loans and leases to deposits | 105.1357% | 433 |
| Net loans and leases to core deposits | 109.7096% | 1,017 |
| Total domestic deposits to total assets | 74.0147% | 5,290 |
| Equity capital to assets | 10.1194% | 3,772 |
| Core capital (leverage) ratio | 8.8485% | 4,898 |
| Tier 1 risk-based capital ratio | 10.4804% | 5,465 |
| Total risk-based capital ratio | 11.5258% | 5,487 |
| Memoranda: | ||
| Average total assets | $5,177,027,670 | 210 |
| Average earning assets | $4,805,844,670 | 203 |
| Average equity | $522,299,670 | 223 |
| Average total loans | $4,030,219,000 | 192 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 3,586 |
| Cost of funding earning assets | 0.4784% | 2,258 |
| Net interest margin | 3.3702% | 3,762 |
| Noninterest income to average assets | 0.9872% | 1,029 |
| Noninterest expense to average assets | 2.3200% | 4,353 |
| Loan and lease loss provision to assets | 0.0151% | 3,368 |
| Net operating income to assets | 1.1827% | 1,544 |
| Return on assets (ROA) | 1.1828% | 1,588 |
| Pretax return on assets | 1.7778% | 838 |
| Return on Equity (ROE) | 11.7418% | 1,325 |
| Retained earnings to average equity (ytd only) | 6.8275% | 1,918 |
| Net charge-offs to loans | 0.0403% | 2,012 |
| Credit loss provision to net charge-offs | 48.3791% | 1,998 |
| Earnings coverage of net charge-offs (x) | 57.3940% | 830 |
| Efficiency ratio | 56.3609% | 4,900 |
| Assets per employee ($millions) | 7.1395% | 886 |
| Cash dividends to net income (ytd only)* | 41.8533% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,745 |
| Loan loss allowance to noncurrent loans | 150.4889% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,890 |
| Noncurrent loans to loans | 0.7267% | 2,682 |
| Net loans and leases to total assets | 76.4264% | 1,341 |
| Net loans and leases to deposits | 104.1834% | 393 |
| Net loans and leases to core deposits | 108.5732% | 943 |
| Total domestic deposits to total assets | 73.3575% | 5,462 |
| Equity capital to assets | 10.0641% | 3,675 |
| Core capital (leverage) ratio | 8.8453% | 4,910 |
| Tier 1 risk-based capital ratio | 10.5401% | 5,526 |
| Total risk-based capital ratio | 11.5819% | 5,544 |
| Memoranda: | ||
| Average total assets | $5,135,077,000 | 210 |
| Average earning assets | $4,762,461,000 | 202 |
| Average equity | $517,262,500 | 223 |
| Average total loans | $3,975,871,000 | 193 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 3,783 |
| Cost of funding earning assets | 0.4740% | 2,316 |
| Net interest margin | 3.3629% | 3,950 |
| Noninterest income to average assets | 1.0000% | 1,144 |
| Noninterest expense to average assets | 2.5437% | 3,861 |
| Loan and lease loss provision to assets | 0.1156% | 2,139 |
| Net operating income to assets | 0.9727% | 2,478 |
| Return on assets (ROA) | 0.9998% | 2,459 |
| Pretax return on assets | 1.4931% | 1,598 |
| Return on Equity (ROE) | 9.4096% | 2,226 |
| Retained earnings to average equity (ytd only) | 0.7773% | 5,010 |
| Net charge-offs to loans | 0.0641% | 2,781 |
| Credit loss provision to net charge-offs | 233.6705% | 1,234 |
| Earnings coverage of net charge-offs (x) | 31.6907% | 1,384 |
| Efficiency ratio | 61.7917% | 4,290 |
| Assets per employee ($millions) | 6.9777% | 934 |
| Cash dividends to net income (ytd only)* | 91.7388% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,612 |
| Loan loss allowance to noncurrent loans | 146.0284% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 2,824 |
| Noncurrent loans to loans | 0.7657% | 2,623 |
| Net loans and leases to total assets | 76.7159% | 1,405 |
| Net loans and leases to deposits | 108.6751% | 256 |
| Net loans and leases to core deposits | 113.5551% | 720 |
| Total domestic deposits to total assets | 70.5920% | 5,637 |
| Equity capital to assets | 10.0823% | 3,631 |
| Core capital (leverage) ratio | 9.0856% | 4,636 |
| Tier 1 risk-based capital ratio | 10.5332% | 5,560 |
| Total risk-based capital ratio | 12.3287% | 5,193 |
| Memoranda: | ||
| Average total assets | $4,794,679,200 | 208 |
| Average earning assets | $4,437,087,800 | 202 |
| Average equity | $509,426,400 | 216 |
| Average total loans | $3,704,558,800 | 191 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 3,775 |
| Cost of funding earning assets | 0.4804% | 2,258 |
| Net interest margin | 3.3673% | 3,963 |
| Noninterest income to average assets | 1.0047% | 1,138 |
| Noninterest expense to average assets | 2.5874% | 3,710 |
| Loan and lease loss provision to assets | 0.1404% | 1,670 |
| Net operating income to assets | 0.9386% | 2,711 |
| Return on assets (ROA) | 0.9749% | 2,675 |
| Pretax return on assets | 1.4472% | 1,891 |
| Return on Equity (ROE) | 9.0516% | 2,460 |
| Retained earnings to average equity (ytd only) | -0.8077% | 5,478 |
| Net charge-offs to loans | 0.0705% | 2,307 |
| Credit loss provision to net charge-offs | 258.1214% | 1,170 |
| Earnings coverage of net charge-offs (x) | 28.1904% | 1,541 |
| Efficiency ratio | 62.7241% | 4,107 |
| Assets per employee ($millions) | 6.5921% | 1,049 |
| Cash dividends to net income (ytd only)* | 108.9235% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 3,500 |
| Loan loss allowance to noncurrent loans | 145.3253% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 2,938 |
| Noncurrent loans to loans | 0.7965% | 2,677 |
| Net loans and leases to total assets | 78.1905% | 1,161 |
| Net loans and leases to deposits | 105.8345% | 381 |
| Net loans and leases to core deposits | 110.4311% | 886 |
| Total domestic deposits to total assets | 73.8800% | 5,449 |
| Equity capital to assets | 10.7408% | 3,319 |
| Core capital (leverage) ratio | 9.1754% | 4,626 |
| Tier 1 risk-based capital ratio | 10.9167% | 5,411 |
| Total risk-based capital ratio | 12.8079% | 4,968 |
| Memoranda: | ||
| Average total assets | $4,723,416,250 | 211 |
| Average earning assets | $4,371,086,000 | 204 |
| Average equity | $508,744,500 | 217 |
| Average total loans | $3,645,441,000 | 193 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,819 |
| Cost of funding earning assets | 0.4886% | 2,200 |
| Net interest margin | 3.3486% | 4,064 |
| Noninterest income to average assets | 0.9757% | 1,185 |
| Noninterest expense to average assets | 2.6601% | 3,519 |
| Loan and lease loss provision to assets | 0.1785% | 1,226 |
| Net operating income to assets | 0.8425% | 3,122 |
| Return on assets (ROA) | 0.8980% | 3,003 |
| Pretax return on assets | 1.3162% | 2,343 |
| Return on Equity (ROE) | 8.3300% | 2,819 |
| Retained earnings to average equity (ytd only) | -4.1989% | 5,707 |
| Net charge-offs to loans | 0.0948% | 1,895 |
| Credit loss provision to net charge-offs | 246.0681% | 1,118 |
| Earnings coverage of net charge-offs (x) | 19.4795% | 1,773 |
| Efficiency ratio | 65.2449% | 3,800 |
| Assets per employee ($millions) | 6.4056% | 1,128 |
| Cash dividends to net income (ytd only)* | 150.4077% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 3,483 |
| Loan loss allowance to noncurrent loans | 150.9376% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 3,095 |
| Noncurrent loans to loans | 0.7798% | 2,802 |
| Net loans and leases to total assets | 76.9522% | 1,344 |
| Net loans and leases to deposits | 103.3258% | 489 |
| Net loans and leases to core deposits | 107.6945% | 1,052 |
| Total domestic deposits to total assets | 74.4753% | 5,469 |
| Equity capital to assets | 10.7166% | 3,382 |
| Core capital (leverage) ratio | 9.1574% | 4,649 |
| Tier 1 risk-based capital ratio | 11.0723% | 5,385 |
| Total risk-based capital ratio | 13.0112% | 4,877 |
| Memoranda: | ||
| Average total assets | $4,698,210,670 | 212 |
| Average earning assets | $4,345,784,330 | 206 |
| Average equity | $506,508,000 | 218 |
| Average total loans | $3,595,145,000 | 197 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 3,785 |
| Cost of funding earning assets | 0.5118% | 2,010 |
| Net interest margin | 3.3335% | 4,097 |
| Noninterest income to average assets | 0.9770% | 1,131 |
| Noninterest expense to average assets | 2.7144% | 3,364 |
| Loan and lease loss provision to assets | 0.1056% | 1,938 |
| Net operating income to assets | 0.8420% | 3,024 |
| Return on assets (ROA) | 0.9448% | 2,650 |
| Pretax return on assets | 1.3912% | 1,932 |
| Return on Equity (ROE) | 8.7372% | 2,546 |
| Retained earnings to average equity (ytd only) | -11.6851% | 5,856 |
| Net charge-offs to loans | 0.0411% | 2,180 |
| Credit loss provision to net charge-offs | 338.6301% | 790 |
| Earnings coverage of net charge-offs (x) | 43.1370% | 966 |
| Efficiency ratio | 66.7895% | 3,668 |
| Assets per employee ($millions) | 6.5517% | 1,080 |
| Cash dividends to net income (ytd only)* | 233.7404% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,690 |
| Loan loss allowance to noncurrent loans | 129.6759% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 2,878 |
| Noncurrent loans to loans | 0.8975% | 2,601 |
| Net loans and leases to total assets | 75.2916% | 1,505 |
| Net loans and leases to deposits | 103.4865% | 438 |
| Net loans and leases to core deposits | 107.0702% | 1,015 |
| Total domestic deposits to total assets | 72.7550% | 5,726 |
| Equity capital to assets | 10.6454% | 3,316 |
| Core capital (leverage) ratio | 9.0223% | 4,827 |
| Tier 1 risk-based capital ratio | 11.3734% | 5,293 |
| Total risk-based capital ratio | 13.4779% | 4,670 |
| Memoranda: | ||
| Average total assets | $4,680,438,000 | 213 |
| Average earning assets | $4,328,619,000 | 207 |
| Average equity | $506,113,500 | 217 |
| Average total loans | $3,549,660,500 | 198 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,023 |
| Cost of funding earning assets | 0.4843% | 2,316 |
| Net interest margin | 3.3227% | 4,204 |
| Noninterest income to average assets | 1.0991% | 974 |
| Noninterest expense to average assets | 2.5260% | 4,144 |
| Loan and lease loss provision to assets | 0.1191% | 2,003 |
| Net operating income to assets | 1.0210% | 2,253 |
| Return on assets (ROA) | 1.0215% | 2,329 |
| Pretax return on assets | 1.5167% | 1,504 |
| Return on Equity (ROE) | 9.0668% | 2,425 |
| Retained earnings to average equity (ytd only) | 0.6876% | 5,239 |
| Net charge-offs to loans | 0.0688% | 2,863 |
| Credit loss provision to net charge-offs | 235.7770% | 1,213 |
| Earnings coverage of net charge-offs (x) | 32.3723% | 1,376 |
| Efficiency ratio | 60.5092% | 4,839 |
| Assets per employee ($millions) | 6.3097% | 1,194 |
| Cash dividends to net income (ytd only)* | 92.4165% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 3,677 |
| Loan loss allowance to noncurrent loans | 132.4277% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 2,895 |
| Noncurrent loans to loans | 0.8796% | 2,595 |
| Net loans and leases to total assets | 74.6187% | 1,626 |
| Net loans and leases to deposits | 106.0565% | 360 |
| Net loans and leases to core deposits | 109.5892% | 877 |
| Total domestic deposits to total assets | 70.3575% | 5,877 |
| Equity capital to assets | 10.9835% | 2,839 |
| Core capital (leverage) ratio | 9.5322% | 4,127 |
| Tier 1 risk-based capital ratio | 11.8140% | 5,061 |
| Total risk-based capital ratio | 13.9010% | 4,438 |
| Memoranda: | ||
| Average total assets | $4,510,418,800 | 213 |
| Average earning assets | $4,156,430,000 | 205 |
| Average equity | $508,163,200 | 206 |
| Average total loans | $3,311,700,600 | 197 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,117 |
| Cost of funding earning assets | 0.4797% | 2,413 |
| Net interest margin | 3.3109% | 4,296 |
| Noninterest income to average assets | 1.1140% | 971 |
| Noninterest expense to average assets | 2.5985% | 3,888 |
| Loan and lease loss provision to assets | 0.1049% | 2,111 |
| Net operating income to assets | 0.9877% | 2,529 |
| Return on assets (ROA) | 0.9881% | 2,610 |
| Pretax return on assets | 1.4608% | 1,803 |
| Return on Equity (ROE) | 8.7134% | 2,727 |
| Retained earnings to average equity (ytd only) | -0.9255% | 5,753 |
| Net charge-offs to loans | 0.0679% | 2,594 |
| Credit loss provision to net charge-offs | 211.8532% | 1,278 |
| Earnings coverage of net charge-offs (x) | 31.6108% | 1,448 |
| Efficiency ratio | 62.1802% | 4,545 |
| Assets per employee ($millions) | 6.4059% | 1,111 |
| Cash dividends to net income (ytd only)* | 110.6220% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,881 |
| Loan loss allowance to noncurrent loans | 123.7627% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 3,022 |
| Noncurrent loans to loans | 0.9362% | 2,636 |
| Net loans and leases to total assets | 73.4550% | 1,828 |
| Net loans and leases to deposits | 102.9052% | 501 |
| Net loans and leases to core deposits | 106.3174% | 1,075 |
| Total domestic deposits to total assets | 71.3812% | 5,907 |
| Equity capital to assets | 11.0043% | 3,022 |
| Core capital (leverage) ratio | 9.4950% | 4,310 |
| Tier 1 risk-based capital ratio | 11.7557% | 5,233 |
| Total risk-based capital ratio | 13.8329% | 4,598 |
| Memoranda: | ||
| Average total assets | $4,475,468,500 | 213 |
| Average earning assets | $4,122,325,250 | 208 |
| Average equity | $507,514,500 | 208 |
| Average total loans | $3,261,919,000 | 201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 4,161 |
| Cost of funding earning assets | 0.4721% | 2,495 |
| Net interest margin | 3.3013% | 4,295 |
| Noninterest income to average assets | 1.1384% | 928 |
| Noninterest expense to average assets | 2.6212% | 3,844 |
| Loan and lease loss provision to assets | 0.0819% | 2,473 |
| Net operating income to assets | 0.9951% | 2,411 |
| Return on assets (ROA) | 0.9957% | 2,520 |
| Pretax return on assets | 1.4730% | 1,716 |
| Return on Equity (ROE) | 8.6911% | 2,706 |
| Retained earnings to average equity (ytd only) | -3.5632% | 5,948 |
| Net charge-offs to loans | 0.0564% | 2,601 |
| Credit loss provision to net charge-offs | 200.7743% | 1,222 |
| Earnings coverage of net charge-offs (x) | 38.0940% | 1,167 |
| Efficiency ratio | 62.5494% | 4,584 |
| Assets per employee ($millions) | 6.1851% | 1,224 |
| Cash dividends to net income (ytd only)* | 140.9989% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 3,973 |
| Loan loss allowance to noncurrent loans | 114.0731% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8539% | 2,852 |
| Noncurrent loans to loans | 1.0258% | 2,595 |
| Net loans and leases to total assets | 72.6136% | 1,881 |
| Net loans and leases to deposits | 100.2227% | 643 |
| Net loans and leases to core deposits | 103.2459% | 1,244 |
| Total domestic deposits to total assets | 72.4523% | 5,912 |
| Equity capital to assets | 11.0805% | 2,808 |
| Core capital (leverage) ratio | 9.5770% | 4,168 |
| Tier 1 risk-based capital ratio | 11.9794% | 5,172 |
| Total risk-based capital ratio | 14.0973% | 4,519 |
| Memoranda: | ||
| Average total assets | $4,432,022,000 | 217 |
| Average earning assets | $4,076,852,670 | 209 |
| Average equity | $507,739,670 | 210 |
| Average total loans | $3,208,273,000 | 202 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,142 |
| Cost of funding earning assets | 0.4654% | 2,617 |
| Net interest margin | 3.3016% | 4,212 |
| Noninterest income to average assets | 1.1971% | 793 |
| Noninterest expense to average assets | 2.6357% | 3,804 |
| Loan and lease loss provision to assets | 0.0543% | 2,849 |
| Net operating income to assets | 1.0400% | 2,076 |
| Return on assets (ROA) | 1.0400% | 2,222 |
| Pretax return on assets | 1.5427% | 1,415 |
| Return on Equity (ROE) | 8.9279% | 2,479 |
| Retained earnings to average equity (ytd only) | 4.5698% | 3,284 |
| Net charge-offs to loans | 0.1170% | 1,582 |
| Credit loss provision to net charge-offs | 64.6104% | 1,958 |
| Earnings coverage of net charge-offs (x) | 18.9978% | 1,467 |
| Efficiency ratio | 62.0398% | 4,792 |
| Assets per employee ($millions) | 6.1611% | 1,284 |
| Cash dividends to net income (ytd only)* | 48.8146% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,090 |
| Loan loss allowance to noncurrent loans | 114.0306% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 3,050 |
| Noncurrent loans to loans | 1.0339% | 2,701 |
| Net loans and leases to total assets | 71.4050% | 1,915 |
| Net loans and leases to deposits | 100.8967% | 517 |
| Net loans and leases to core deposits | 103.4024% | 1,101 |
| Total domestic deposits to total assets | 70.7704% | 6,095 |
| Equity capital to assets | 11.7425% | 2,246 |
| Core capital (leverage) ratio | 10.0698% | 3,511 |
| Tier 1 risk-based capital ratio | 12.8434% | 4,698 |
| Total risk-based capital ratio | 14.9992% | 4,101 |
| Memoranda: | ||
| Average total assets | $4,396,667,500 | 216 |
| Average earning assets | $4,042,513,000 | 208 |
| Average equity | $512,148,000 | 208 |
| Average total loans | $3,158,254,500 | 202 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,402 |
| Cost of funding earning assets | 0.4860% | 2,820 |
| Net interest margin | 3.3420% | 4,434 |
| Noninterest income to average assets | 1.1057% | 998 |
| Noninterest expense to average assets | 2.8292% | 3,383 |
| Loan and lease loss provision to assets | -0.0039% | 5,892 |
| Net operating income to assets | 0.9216% | 2,768 |
| Return on assets (ROA) | 0.9217% | 2,865 |
| Pretax return on assets | 1.3438% | 2,093 |
| Return on Equity (ROE) | 7.7879% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.8852% | 3,454 |
| Net charge-offs to loans | 0.0273% | 4,276 |
| Credit loss provision to net charge-offs | -20.3496% | 5,354 |
| Earnings coverage of net charge-offs (x) | 70.7266% | 701 |
| Efficiency ratio | 67.3968% | 4,002 |
| Assets per employee ($millions) | 6.0444% | 1,344 |
| Cash dividends to net income (ytd only)* | 50.1116% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,970 |
| Loan loss allowance to noncurrent loans | 122.3564% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 3,271 |
| Noncurrent loans to loans | 0.9846% | 2,866 |
| Net loans and leases to total assets | 70.5483% | 2,151 |
| Net loans and leases to deposits | 100.8338% | 579 |
| Net loans and leases to core deposits | 103.3147% | 1,166 |
| Total domestic deposits to total assets | 69.9649% | 6,195 |
| Equity capital to assets | 11.5545% | 2,380 |
| Core capital (leverage) ratio | 10.1093% | 3,426 |
| Tier 1 risk-based capital ratio | 12.5192% | 5,028 |
| Total risk-based capital ratio | 14.6636% | 4,403 |
| Memoranda: | ||
| Average total assets | $4,228,264,400 | 212 |
| Average earning assets | $3,875,762,800 | 206 |
| Average equity | $500,433,000 | 204 |
| Average total loans | $2,933,796,200 | 204 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,414 |
| Cost of funding earning assets | 0.4896% | 2,867 |
| Net interest margin | 3.3473% | 4,438 |
| Noninterest income to average assets | 1.1284% | 952 |
| Noninterest expense to average assets | 2.8488% | 3,289 |
| Loan and lease loss provision to assets | -0.0324% | 6,133 |
| Net operating income to assets | 0.9436% | 2,712 |
| Return on assets (ROA) | 0.9438% | 2,804 |
| Pretax return on assets | 1.3791% | 2,085 |
| Return on Equity (ROE) | 7.9248% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.0702% | 3,749 |
| Net charge-offs to loans | 0.0081% | 4,433 |
| Credit loss provision to net charge-offs | -577.2727% | 5,779 |
| Earnings coverage of net charge-offs (x) | 240.2451% | 276 |
| Efficiency ratio | 67.3655% | 3,974 |
| Assets per employee ($millions) | 6.0053% | 1,335 |
| Cash dividends to net income (ytd only)* | 48.6402% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 3,883 |
| Loan loss allowance to noncurrent loans | 96.8951% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 3,057 |
| Noncurrent loans to loans | 1.3002% | 2,472 |
| Net loans and leases to total assets | 69.3631% | 2,298 |
| Net loans and leases to deposits | 96.9777% | 796 |
| Net loans and leases to core deposits | 99.4134% | 1,422 |
| Total domestic deposits to total assets | 71.5247% | 6,203 |
| Equity capital to assets | 11.9642% | 2,086 |
| Core capital (leverage) ratio | 10.1792% | 3,435 |
| Tier 1 risk-based capital ratio | 13.0093% | 4,860 |
| Total risk-based capital ratio | 15.2538% | 4,151 |
| Memoranda: | ||
| Average total assets | $4,186,755,750 | 209 |
| Average earning assets | $3,835,960,000 | 205 |
| Average equity | $498,606,750 | 205 |
| Average total loans | $2,882,769,250 | 203 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 4,372 |
| Cost of funding earning assets | 0.4903% | 2,923 |
| Net interest margin | 3.3501% | 4,403 |
| Noninterest income to average assets | 1.1007% | 979 |
| Noninterest expense to average assets | 2.9348% | 3,048 |
| Loan and lease loss provision to assets | -0.0395% | 6,281 |
| Net operating income to assets | 0.8786% | 2,914 |
| Return on assets (ROA) | 0.8786% | 3,003 |
| Pretax return on assets | 1.2719% | 2,358 |
| Return on Equity (ROE) | 7.3887% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.6348% | 3,876 |
| Net charge-offs to loans | -0.0012% | 5,030 |
| Credit loss provision to net charge-offs | 4,847.0588% | 77 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7422% | 3,699 |
| Assets per employee ($millions) | 5.7881% | 1,440 |
| Cash dividends to net income (ytd only)* | 50.8058% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 3,850 |
| Loan loss allowance to noncurrent loans | 102.4617% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 3,244 |
| Noncurrent loans to loans | 1.2687% | 2,687 |
| Net loans and leases to total assets | 68.1155% | 2,395 |
| Net loans and leases to deposits | 94.5962% | 913 |
| Net loans and leases to core deposits | 97.0847% | 1,518 |
| Total domestic deposits to total assets | 72.0066% | 6,251 |
| Equity capital to assets | 11.8966% | 2,065 |
| Core capital (leverage) ratio | 10.1749% | 3,379 |
| Tier 1 risk-based capital ratio | 12.9675% | 4,935 |
| Total risk-based capital ratio | 15.2522% | 4,196 |
| Memoranda: | ||
| Average total assets | $4,167,085,670 | 207 |
| Average earning assets | $3,814,159,000 | 205 |
| Average equity | $495,485,670 | 206 |
| Average total loans | $2,849,503,000 | 201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 4,361 |
| Cost of funding earning assets | 0.4926% | 2,985 |
| Net interest margin | 3.3373% | 4,388 |
| Noninterest income to average assets | 1.0881% | 945 |
| Noninterest expense to average assets | 2.6392% | 4,151 |
| Loan and lease loss provision to assets | -0.0950% | 6,489 |
| Net operating income to assets | 1.0772% | 1,908 |
| Return on assets (ROA) | 1.0772% | 1,973 |
| Pretax return on assets | 1.5993% | 1,176 |
| Return on Equity (ROE) | 9.0619% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.2780% | 2,937 |
| Net charge-offs to loans | -0.0344% | 5,638 |
| Credit loss provision to net charge-offs | 405.7851% | 645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8309% | 5,020 |
| Assets per employee ($millions) | 5.7953% | 1,459 |
| Cash dividends to net income (ytd only)* | 41.7565% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 3,902 |
| Loan loss allowance to noncurrent loans | 110.4091% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 3,566 |
| Noncurrent loans to loans | 1.2145% | 3,017 |
| Net loans and leases to total assets | 67.1461% | 2,364 |
| Net loans and leases to deposits | 94.2973% | 762 |
| Net loans and leases to core deposits | 96.7304% | 1,331 |
| Total domestic deposits to total assets | 71.2068% | 6,397 |
| Equity capital to assets | 11.9264% | 1,919 |
| Core capital (leverage) ratio | 10.2376% | 3,239 |
| Tier 1 risk-based capital ratio | 13.1154% | 4,946 |
| Total risk-based capital ratio | 15.4441% | 4,142 |
| Memoranda: | ||
| Average total assets | $4,135,084,500 | 210 |
| Average earning assets | $3,785,821,500 | 205 |
| Average equity | $491,550,500 | 208 |
| Average total loans | $2,814,261,500 | 202 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 3,854 |
| Cost of funding earning assets | 0.5299% | 3,283 |
| Net interest margin | 3.5380% | 3,729 |
| Noninterest income to average assets | 1.1858% | 1,008 |
| Noninterest expense to average assets | 2.7550% | 3,888 |
| Loan and lease loss provision to assets | -0.0270% | 6,318 |
| Net operating income to assets | 1.1211% | 1,863 |
| Return on assets (ROA) | 1.1230% | 1,923 |
| Pretax return on assets | 1.6908% | 974 |
| Return on Equity (ROE) | 9.4474% | 2,347 |
| Retained earnings to average equity (ytd only) | 5.9778% | 1,985 |
| Net charge-offs to loans | 0.1170% | 3,642 |
| Credit loss provision to net charge-offs | -34.8890% | 5,758 |
| Earnings coverage of net charge-offs (x) | 21.4976% | 1,491 |
| Efficiency ratio | 61.3477% | 5,309 |
| Assets per employee ($millions) | 5.6598% | 1,506 |
| Cash dividends to net income (ytd only)* | 36.7258% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,708 |
| Loan loss allowance to noncurrent loans | 113.3807% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 3,724 |
| Noncurrent loans to loans | 1.2243% | 3,099 |
| Net loans and leases to total assets | 67.1128% | 2,499 |
| Net loans and leases to deposits | 95.4459% | 770 |
| Net loans and leases to core deposits | 97.8818% | 1,307 |
| Total domestic deposits to total assets | 70.3150% | 6,510 |
| Equity capital to assets | 11.8476% | 1,912 |
| Core capital (leverage) ratio | 10.1194% | 3,399 |
| Tier 1 risk-based capital ratio | 12.9007% | 5,049 |
| Total risk-based capital ratio | 15.2548% | 4,231 |
| Memoranda: | ||
| Average total assets | $4,021,179,200 | 208 |
| Average earning assets | $3,671,419,800 | 204 |
| Average equity | $478,005,600 | 202 |
| Average total loans | $2,656,080,800 | 198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,760 |
| Cost of funding earning assets | 0.5366% | 3,396 |
| Net interest margin | 3.5632% | 3,605 |
| Noninterest income to average assets | 1.2042% | 1,004 |
| Noninterest expense to average assets | 2.7284% | 3,909 |
| Loan and lease loss provision to assets | -0.0557% | 6,557 |
| Net operating income to assets | 1.1758% | 1,719 |
| Return on assets (ROA) | 1.1784% | 1,776 |
| Pretax return on assets | 1.7864% | 933 |
| Return on Equity (ROE) | 9.9049% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.5616% | 2,098 |
| Net charge-offs to loans | 0.0948% | 3,615 |
| Credit loss provision to net charge-offs | -89.5442% | 5,768 |
| Earnings coverage of net charge-offs (x) | 27.7829% | 1,298 |
| Efficiency ratio | 60.2048% | 5,405 |
| Assets per employee ($millions) | 5.6101% | 1,528 |
| Cash dividends to net income (ytd only)* | 33.7538% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 3,563 |
| Loan loss allowance to noncurrent loans | 111.3521% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 3,848 |
| Noncurrent loans to loans | 1.3247% | 3,206 |
| Net loans and leases to total assets | 65.0071% | 2,799 |
| Net loans and leases to deposits | 90.0375% | 1,160 |
| Net loans and leases to core deposits | 92.4024% | 1,731 |
| Total domestic deposits to total assets | 72.2000% | 6,480 |
| Equity capital to assets | 11.8769% | 1,997 |
| Core capital (leverage) ratio | 10.0900% | 3,540 |
| Tier 1 risk-based capital ratio | 12.9154% | 5,183 |
| Total risk-based capital ratio | 15.3005% | 4,334 |
| Memoranda: | ||
| Average total assets | $4,000,639,750 | 205 |
| Average earning assets | $3,650,090,750 | 200 |
| Average equity | $475,970,000 | 201 |
| Average total loans | $2,621,943,250 | 196 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 4,243 |
| Cost of funding earning assets | 0.5398% | 3,505 |
| Net interest margin | 3.4249% | 4,088 |
| Noninterest income to average assets | 1.2430% | 1,009 |
| Noninterest expense to average assets | 2.7636% | 3,806 |
| Loan and lease loss provision to assets | -0.1405% | 6,744 |
| Net operating income to assets | 1.1563% | 1,711 |
| Return on assets (ROA) | 1.1602% | 1,815 |
| Pretax return on assets | 1.7506% | 1,014 |
| Return on Equity (ROE) | 9.7464% | 2,297 |
| Retained earnings to average equity (ytd only) | 6.4782% | 2,160 |
| Net charge-offs to loans | 0.0878% | 3,487 |
| Credit loss provision to net charge-offs | -244.5804% | 5,770 |
| Earnings coverage of net charge-offs (x) | 27.9344% | 1,202 |
| Efficiency ratio | 62.2115% | 5,146 |
| Assets per employee ($millions) | 5.6132% | 1,485 |
| Cash dividends to net income (ytd only)* | 33.5324% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 3,668 |
| Loan loss allowance to noncurrent loans | 91.6039% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1653% | 3,420 |
| Noncurrent loans to loans | 1.6167% | 2,888 |
| Net loans and leases to total assets | 63.7776% | 2,949 |
| Net loans and leases to deposits | 88.4336% | 1,288 |
| Net loans and leases to core deposits | 90.7182% | 1,838 |
| Total domestic deposits to total assets | 72.1192% | 6,554 |
| Equity capital to assets | 11.6346% | 2,185 |
| Core capital (leverage) ratio | 10.0750% | 3,408 |
| Tier 1 risk-based capital ratio | 12.7777% | 5,302 |
| Total risk-based capital ratio | 15.1752% | 4,440 |
| Memoranda: | ||
| Average total assets | $3,984,011,330 | 203 |
| Average earning assets | $3,635,031,670 | 200 |
| Average equity | $474,268,330 | 201 |
| Average total loans | $2,605,073,670 | 196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,945 |
| Cost of funding earning assets | 0.5526% | 3,548 |
| Net interest margin | 3.4900% | 3,746 |
| Noninterest income to average assets | 1.2511% | 978 |
| Noninterest expense to average assets | 2.7946% | 3,722 |
| Loan and lease loss provision to assets | 0.0079% | 4,348 |
| Net operating income to assets | 1.0882% | 1,906 |
| Return on assets (ROA) | 1.0920% | 1,995 |
| Pretax return on assets | 1.6330% | 1,229 |
| Return on Equity (ROE) | 9.0675% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.0633% | 2,644 |
| Net charge-offs to loans | 0.2763% | 1,853 |
| Credit loss provision to net charge-offs | 4.3600% | 3,199 |
| Earnings coverage of net charge-offs (x) | 9.0061% | 1,894 |
| Efficiency ratio | 62.0295% | 5,298 |
| Assets per employee ($millions) | 5.5983% | 1,582 |
| Cash dividends to net income (ytd only)* | 33.1320% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,494 |
| Loan loss allowance to noncurrent loans | 90.6326% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 3,387 |
| Noncurrent loans to loans | 1.7413% | 2,941 |
| Net loans and leases to total assets | 65.4509% | 2,464 |
| Net loans and leases to deposits | 87.8785% | 1,159 |
| Net loans and leases to core deposits | 90.3678% | 1,668 |
| Total domestic deposits to total assets | 74.4788% | 6,506 |
| Equity capital to assets | 12.1494% | 1,939 |
| Core capital (leverage) ratio | 9.8723% | 3,567 |
| Tier 1 risk-based capital ratio | 12.6981% | 5,429 |
| Total risk-based capital ratio | 15.1175% | 4,561 |
| Memoranda: | ||
| Average total assets | $3,941,231,000 | 208 |
| Average earning assets | $3,589,731,500 | 204 |
| Average equity | $474,662,500 | 204 |
| Average total loans | $2,590,365,000 | 200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 4,775 |
| Cost of funding earning assets | 0.6539% | 3,882 |
| Net interest margin | 3.4951% | 4,521 |
| Noninterest income to average assets | 1.1986% | 1,092 |
| Noninterest expense to average assets | 2.8329% | 3,901 |
| Loan and lease loss provision to assets | 0.0957% | 4,464 |
| Net operating income to assets | 0.9724% | 2,451 |
| Return on assets (ROA) | 0.9785% | 2,655 |
| Pretax return on assets | 1.4576% | 1,829 |
| Return on Equity (ROE) | 8.2692% | 2,974 |
| Retained earnings to average equity (ytd only) | 5.6036% | 2,311 |
| Net charge-offs to loans | 0.4170% | 2,573 |
| Credit loss provision to net charge-offs | 36.0644% | 5,006 |
| Earnings coverage of net charge-offs (x) | 5.8191% | 2,942 |
| Efficiency ratio | 63.5951% | 4,962 |
| Assets per employee ($millions) | 5.5905% | 1,603 |
| Cash dividends to net income (ytd only)* | 32.2354% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,032 |
| Loan loss allowance to noncurrent loans | 78.1107% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.5413% | 3,076 |
| Noncurrent loans to loans | 2.1422% | 2,533 |
| Net loans and leases to total assets | 63.8667% | 2,917 |
| Net loans and leases to deposits | 86.4112% | 1,458 |
| Net loans and leases to core deposits | 89.2094% | 1,939 |
| Total domestic deposits to total assets | 73.9102% | 6,534 |
| Equity capital to assets | 11.9382% | 2,084 |
| Core capital (leverage) ratio | 9.7648% | 3,707 |
| Tier 1 risk-based capital ratio | 12.5883% | 5,408 |
| Total risk-based capital ratio | 15.0173% | 4,505 |
| Memoranda: | ||
| Average total assets | $3,813,101,400 | 213 |
| Average earning assets | $3,467,568,000 | 209 |
| Average equity | $451,229,800 | 211 |
| Average total loans | $2,426,320,400 | 204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 4,898 |
| Cost of funding earning assets | 0.6745% | 3,980 |
| Net interest margin | 3.5027% | 4,633 |
| Noninterest income to average assets | 1.1912% | 1,067 |
| Noninterest expense to average assets | 2.8723% | 3,699 |
| Loan and lease loss provision to assets | 0.0876% | 4,511 |
| Net operating income to assets | 0.9498% | 2,745 |
| Return on assets (ROA) | 0.9584% | 2,928 |
| Pretax return on assets | 1.4301% | 2,143 |
| Return on Equity (ROE) | 8.1177% | 3,229 |
| Retained earnings to average equity (ytd only) | 5.5882% | 2,971 |
| Net charge-offs to loans | 0.5180% | 2,058 |
| Credit loss provision to net charge-offs | 26.7090% | 4,854 |
| Earnings coverage of net charge-offs (x) | 4.5906% | 3,264 |
| Efficiency ratio | 64.4901% | 4,712 |
| Assets per employee ($millions) | 5.6467% | 1,501 |
| Cash dividends to net income (ytd only)* | 31.1610% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 3,158 |
| Loan loss allowance to noncurrent loans | 79.9107% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6120% | 3,177 |
| Noncurrent loans to loans | 2.1257% | 2,698 |
| Net loans and leases to total assets | 63.4829% | 3,121 |
| Net loans and leases to deposits | 85.3841% | 1,675 |
| Net loans and leases to core deposits | 88.3880% | 2,172 |
| Total domestic deposits to total assets | 74.3498% | 6,573 |
| Equity capital to assets | 12.1081% | 2,173 |
| Core capital (leverage) ratio | 9.7654% | 3,847 |
| Tier 1 risk-based capital ratio | 12.7241% | 5,460 |
| Total risk-based capital ratio | 15.1849% | 4,531 |
| Memoranda: | ||
| Average total assets | $3,778,255,500 | 216 |
| Average earning assets | $3,436,495,000 | 211 |
| Average equity | $446,073,500 | 214 |
| Average total loans | $2,391,081,000 | 206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 5,226 |
| Cost of funding earning assets | 0.6858% | 4,135 |
| Net interest margin | 3.4384% | 4,932 |
| Noninterest income to average assets | 1.1735% | 1,037 |
| Noninterest expense to average assets | 2.9210% | 3,543 |
| Loan and lease loss provision to assets | 0.1202% | 4,024 |
| Net operating income to assets | 0.8515% | 3,130 |
| Return on assets (ROA) | 0.8547% | 3,385 |
| Pretax return on assets | 1.2634% | 2,677 |
| Return on Equity (ROE) | 7.3042% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.8268% | 3,387 |
| Net charge-offs to loans | 0.5451% | 1,954 |
| Credit loss provision to net charge-offs | 35.0858% | 4,354 |
| Earnings coverage of net charge-offs (x) | 4.0251% | 3,195 |
| Efficiency ratio | 66.7822% | 4,363 |
| Assets per employee ($millions) | 5.5274% | 1,592 |
| Cash dividends to net income (ytd only)* | 33.9168% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,820 |
| Loan loss allowance to noncurrent loans | 77.1571% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.7707% | 3,078 |
| Noncurrent loans to loans | 2.3458% | 2,553 |
| Net loans and leases to total assets | 63.7398% | 3,093 |
| Net loans and leases to deposits | 85.8488% | 1,621 |
| Net loans and leases to core deposits | 89.3614% | 2,051 |
| Total domestic deposits to total assets | 74.2466% | 6,660 |
| Equity capital to assets | 11.9505% | 2,184 |
| Core capital (leverage) ratio | 9.9513% | 3,486 |
| Tier 1 risk-based capital ratio | 12.5249% | 5,548 |
| Total risk-based capital ratio | 14.9964% | 4,602 |
| Memoranda: | ||
| Average total assets | $3,742,704,670 | 219 |
| Average earning assets | $3,402,883,670 | 209 |
| Average equity | $437,968,670 | 217 |
| Average total loans | $2,351,818,330 | 209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 5,353 |
| Cost of funding earning assets | 0.7061% | 4,223 |
| Net interest margin | 3.4251% | 5,008 |
| Noninterest income to average assets | 1.1823% | 1,022 |
| Noninterest expense to average assets | 2.8633% | 3,773 |
| Loan and lease loss provision to assets | 0.0720% | 4,502 |
| Net operating income to assets | 0.9350% | 2,767 |
| Return on assets (ROA) | 0.9356% | 2,972 |
| Pretax return on assets | 1.3607% | 2,336 |
| Return on Equity (ROE) | 8.0853% | 3,247 |
| Retained earnings to average equity (ytd only) | 5.7607% | 3,105 |
| Net charge-offs to loans | 0.8833% | 1,164 |
| Credit loss provision to net charge-offs | 13.2034% | 3,862 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,128 |
| Efficiency ratio | 65.4991% | 4,656 |
| Assets per employee ($millions) | 5.4233% | 1,760 |
| Cash dividends to net income (ytd only)* | 28.7503% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 2,457 |
| Loan loss allowance to noncurrent loans | 70.8128% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8676% | 3,096 |
| Noncurrent loans to loans | 2.7794% | 2,333 |
| Net loans and leases to total assets | 61.2212% | 3,406 |
| Net loans and leases to deposits | 83.4908% | 1,730 |
| Net loans and leases to core deposits | 87.6301% | 2,097 |
| Total domestic deposits to total assets | 73.3268% | 6,802 |
| Equity capital to assets | 11.7185% | 2,249 |
| Core capital (leverage) ratio | 9.4507% | 4,117 |
| Tier 1 risk-based capital ratio | 12.7363% | 5,410 |
| Total risk-based capital ratio | 15.3198% | 4,385 |
| Memoranda: | ||
| Average total assets | $3,687,757,000 | 218 |
| Average earning assets | $3,351,587,500 | 208 |
| Average equity | $426,750,500 | 217 |
| Average total loans | $2,277,275,000 | 212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 5,769 |
| Cost of funding earning assets | 0.8184% | 4,717 |
| Net interest margin | 3.4798% | 5,222 |
| Noninterest income to average assets | 1.1351% | 1,018 |
| Noninterest expense to average assets | 2.8264% | 4,252 |
| Loan and lease loss provision to assets | 0.0396% | 6,075 |
| Net operating income to assets | 0.9594% | 2,362 |
| Return on assets (ROA) | 0.9619% | 2,482 |
| Pretax return on assets | 1.4076% | 1,760 |
| Return on Equity (ROE) | 8.3847% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.2202% | 3,927 |
| Net charge-offs to loans | 0.6471% | 2,530 |
| Credit loss provision to net charge-offs | 10.1012% | 6,008 |
| Earnings coverage of net charge-offs (x) | 3.6779% | 3,427 |
| Efficiency ratio | 64.9926% | 4,952 |
| Assets per employee ($millions) | 5.4231% | 1,714 |
| Cash dividends to net income (ytd only)* | 61.5951% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 1,831 |
| Loan loss allowance to noncurrent loans | 68.4040% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.0674% | 2,883 |
| Noncurrent loans to loans | 3.1901% | 2,030 |
| Net loans and leases to total assets | 59.7300% | 4,038 |
| Net loans and leases to deposits | 83.1678% | 2,043 |
| Net loans and leases to core deposits | 87.4280% | 2,448 |
| Total domestic deposits to total assets | 71.8187% | 6,879 |
| Equity capital to assets | 11.4273% | 2,568 |
| Core capital (leverage) ratio | 9.2319% | 4,421 |
| Tier 1 risk-based capital ratio | 12.4188% | 5,518 |
| Total risk-based capital ratio | 14.9885% | 4,493 |
| Memoranda: | ||
| Average total assets | $3,601,771,800 | 216 |
| Average earning assets | $3,244,871,000 | 207 |
| Average equity | $413,178,800 | 213 |
| Average total loans | $2,184,598,000 | 219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 5,794 |
| Cost of funding earning assets | 0.8418% | 4,834 |
| Net interest margin | 3.5039% | 5,171 |
| Noninterest income to average assets | 1.1262% | 1,039 |
| Noninterest expense to average assets | 2.8077% | 4,313 |
| Loan and lease loss provision to assets | -0.0319% | 7,315 |
| Net operating income to assets | 1.0147% | 2,270 |
| Return on assets (ROA) | 1.0178% | 2,414 |
| Pretax return on assets | 1.5053% | 1,643 |
| Return on Equity (ROE) | 8.8637% | 2,666 |
| Retained earnings to average equity (ytd only) | 6.9607% | 1,989 |
| Net charge-offs to loans | 0.7121% | 2,132 |
| Credit loss provision to net charge-offs | -7.3869% | 6,406 |
| Earnings coverage of net charge-offs (x) | 3.4065% | 3,447 |
| Efficiency ratio | 64.4462% | 4,988 |
| Assets per employee ($millions) | 5.2831% | 1,837 |
| Cash dividends to net income (ytd only)* | 21.4694% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2928% | 1,699 |
| Loan loss allowance to noncurrent loans | 64.7733% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 2,745 |
| Noncurrent loans to loans | 3.5398% | 1,941 |
| Net loans and leases to total assets | 58.4623% | 4,420 |
| Net loans and leases to deposits | 80.0176% | 2,650 |
| Net loans and leases to core deposits | 84.1715% | 3,043 |
| Total domestic deposits to total assets | 73.0618% | 6,853 |
| Equity capital to assets | 11.9174% | 2,317 |
| Core capital (leverage) ratio | 9.5502% | 4,080 |
| Tier 1 risk-based capital ratio | 13.2464% | 4,915 |
| Total risk-based capital ratio | 15.8796% | 3,860 |
| Memoranda: | ||
| Average total assets | $3,574,872,750 | 216 |
| Average earning assets | $3,214,150,500 | 208 |
| Average equity | $410,503,000 | 212 |
| Average total loans | $2,164,489,500 | 223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 5,778 |
| Cost of funding earning assets | 0.8536% | 5,037 |
| Net interest margin | 3.5205% | 5,069 |
| Noninterest income to average assets | 1.0905% | 1,090 |
| Noninterest expense to average assets | 2.8098% | 4,390 |
| Loan and lease loss provision to assets | 0.1498% | 4,436 |
| Net operating income to assets | 0.8955% | 2,657 |
| Return on assets (ROA) | 0.8942% | 2,770 |
| Pretax return on assets | 1.2847% | 2,183 |
| Return on Equity (ROE) | 7.8886% | 2,987 |
| Retained earnings to average equity (ytd only) | 5.9519% | 2,464 |
| Net charge-offs to loans | 0.8834% | 1,756 |
| Credit loss provision to net charge-offs | 27.9016% | 5,023 |
| Earnings coverage of net charge-offs (x) | 2.6745% | 3,499 |
| Efficiency ratio | 64.9516% | 5,071 |
| Assets per employee ($millions) | 5.2623% | 1,807 |
| Cash dividends to net income (ytd only)* | 24.5506% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5701% | 1,339 |
| Loan loss allowance to noncurrent loans | 81.0130% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 2.0816% | 3,140 |
| Noncurrent loans to loans | 3.1724% | 2,258 |
| Net loans and leases to total assets | 58.0150% | 4,621 |
| Net loans and leases to deposits | 78.5713% | 3,029 |
| Net loans and leases to core deposits | 82.4591% | 3,437 |
| Total domestic deposits to total assets | 73.8374% | 6,859 |
| Equity capital to assets | 11.4909% | 2,508 |
| Core capital (leverage) ratio | 9.3888% | 4,129 |
| Tier 1 risk-based capital ratio | 13.0240% | 4,897 |
| Total risk-based capital ratio | 15.6811% | 3,813 |
| Memoranda: | ||
| Average total assets | $3,558,436,670 | 219 |
| Average earning assets | $3,189,549,330 | 213 |
| Average equity | $403,368,000 | 216 |
| Average total loans | $2,163,153,330 | 227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 5,732 |
| Cost of funding earning assets | 0.8526% | 5,252 |
| Net interest margin | 3.5361% | 4,864 |
| Noninterest income to average assets | 1.0545% | 1,183 |
| Noninterest expense to average assets | 2.8429% | 4,290 |
| Loan and lease loss provision to assets | 0.1715% | 3,918 |
| Net operating income to assets | 0.8462% | 2,794 |
| Return on assets (ROA) | 0.8446% | 2,859 |
| Pretax return on assets | 1.2080% | 2,345 |
| Return on Equity (ROE) | 7.5032% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.5386% | 2,889 |
| Net charge-offs to loans | 0.8723% | 1,517 |
| Credit loss provision to net charge-offs | 32.0161% | 4,079 |
| Earnings coverage of net charge-offs (x) | 2.5792% | 3,045 |
| Efficiency ratio | 66.0547% | 5,031 |
| Assets per employee ($millions) | 5.1716% | 1,933 |
| Cash dividends to net income (ytd only)* | 26.1831% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7265% | 1,181 |
| Loan loss allowance to noncurrent loans | 79.5329% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 2.3125% | 2,934 |
| Noncurrent loans to loans | 3.4281% | 2,192 |
| Net loans and leases to total assets | 59.2505% | 4,416 |
| Net loans and leases to deposits | 80.6280% | 2,590 |
| Net loans and leases to core deposits | 84.8412% | 3,054 |
| Total domestic deposits to total assets | 73.4862% | 6,951 |
| Equity capital to assets | 11.2912% | 2,423 |
| Core capital (leverage) ratio | 9.3642% | 4,026 |
| Tier 1 risk-based capital ratio | 12.5274% | 5,238 |
| Total risk-based capital ratio | 15.1619% | 4,106 |
| Memoranda: | ||
| Average total assets | $3,532,671,000 | 219 |
| Average earning assets | $3,167,370,000 | 217 |
| Average equity | $397,643,000 | 217 |
| Average total loans | $2,169,945,000 | 225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 6,213 |
| Cost of funding earning assets | 1.0220% | 5,579 |
| Net interest margin | 3.5390% | 5,079 |
| Noninterest income to average assets | 1.2100% | 1,025 |
| Noninterest expense to average assets | 2.7686% | 4,713 |
| Loan and lease loss provision to assets | 0.7146% | 2,296 |
| Net operating income to assets | 0.6518% | 3,430 |
| Return on assets (ROA) | 0.6624% | 3,522 |
| Pretax return on assets | 0.9166% | 3,216 |
| Return on Equity (ROE) | 6.2400% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.2400% | 1,696 |
| Net charge-offs to loans | 1.2655% | 1,777 |
| Credit loss provision to net charge-offs | 91.4443% | 5,065 |
| Earnings coverage of net charge-offs (x) | 2.0685% | 4,173 |
| Efficiency ratio | 61.9036% | 5,747 |
| Assets per employee ($millions) | 5.1654% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8516% | 998 |
| Loan loss allowance to noncurrent loans | 80.1939% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 2.4725% | 2,799 |
| Noncurrent loans to loans | 3.5559% | 2,121 |
| Net loans and leases to total assets | 60.1769% | 4,650 |
| Net loans and leases to deposits | 82.6207% | 2,695 |
| Net loans and leases to core deposits | 86.9311% | 3,195 |
| Total domestic deposits to total assets | 72.8351% | 7,011 |
| Equity capital to assets | 11.2208% | 2,478 |
| Core capital (leverage) ratio | 8.9412% | 4,634 |
| Tier 1 risk-based capital ratio | 12.2542% | 5,253 |
| Total risk-based capital ratio | 14.8833% | 4,079 |
| Memoranda: | ||
| Average total assets | $3,625,277,000 | 216 |
| Average earning assets | $3,252,543,800 | 214 |
| Average equity | $384,825,400 | 215 |
| Average total loans | $2,238,744,400 | 220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 6,435 |
| Cost of funding earning assets | 1.0590% | 5,653 |
| Net interest margin | 3.5037% | 5,276 |
| Noninterest income to average assets | 1.2030% | 962 |
| Noninterest expense to average assets | 2.7289% | 4,762 |
| Loan and lease loss provision to assets | 0.8610% | 1,769 |
| Net operating income to assets | 0.5670% | 4,023 |
| Return on assets (ROA) | 0.5698% | 4,173 |
| Pretax return on assets | 0.7633% | 4,039 |
| Return on Equity (ROE) | 5.4426% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.4426% | 2,679 |
| Net charge-offs to loans | 1.2342% | 1,657 |
| Credit loss provision to net charge-offs | 113.0524% | 3,718 |
| Earnings coverage of net charge-offs (x) | 2.1277% | 4,129 |
| Efficiency ratio | 61.4942% | 5,704 |
| Assets per employee ($millions) | 5.3326% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0521% | 785 |
| Loan loss allowance to noncurrent loans | 73.0199% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 2.8338% | 2,558 |
| Noncurrent loans to loans | 4.1798% | 1,756 |
| Net loans and leases to total assets | 59.2854% | 5,045 |
| Net loans and leases to deposits | 80.9549% | 3,277 |
| Net loans and leases to core deposits | 85.0393% | 3,790 |
| Total domestic deposits to total assets | 73.2326% | 7,012 |
| Equity capital to assets | 11.0215% | 2,938 |
| Core capital (leverage) ratio | 8.6259% | 5,305 |
| Tier 1 risk-based capital ratio | 11.8370% | 5,599 |
| Total risk-based capital ratio | 14.4631% | 4,389 |
| Memoranda: | ||
| Average total assets | $3,652,182,500 | 214 |
| Average earning assets | $3,279,677,500 | 209 |
| Average equity | $382,354,250 | 216 |
| Average total loans | $2,253,693,250 | 216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 6,594 |
| Cost of funding earning assets | 1.1000% | 5,669 |
| Net interest margin | 3.4487% | 5,443 |
| Noninterest income to average assets | 1.2208% | 868 |
| Noninterest expense to average assets | 2.7335% | 4,770 |
| Loan and lease loss provision to assets | 1.1522% | 1,244 |
| Net operating income to assets | 0.3654% | 4,909 |
| Return on assets (ROA) | 0.3750% | 5,036 |
| Pretax return on assets | 0.4414% | 5,089 |
| Return on Equity (ROE) | 3.6452% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.6452% | 3,781 |
| Net charge-offs to loans | 1.2611% | 1,511 |
| Credit loss provision to net charge-offs | 147.6317% | 2,676 |
| Earnings coverage of net charge-offs (x) | 2.0274% | 4,011 |
| Efficiency ratio | 62.0831% | 5,676 |
| Assets per employee ($millions) | 5.4967% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1947% | 708 |
| Loan loss allowance to noncurrent loans | 66.0207% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 3.1585% | 2,242 |
| Noncurrent loans to loans | 4.8389% | 1,454 |
| Net loans and leases to total assets | 58.4671% | 5,338 |
| Net loans and leases to deposits | 78.4679% | 3,890 |
| Net loans and leases to core deposits | 82.3866% | 4,359 |
| Total domestic deposits to total assets | 74.5108% | 6,911 |
| Equity capital to assets | 10.4621% | 3,464 |
| Core capital (leverage) ratio | 8.3081% | 5,754 |
| Tier 1 risk-based capital ratio | 11.4316% | 5,844 |
| Total risk-based capital ratio | 14.0546% | 4,568 |
| Memoranda: | ||
| Average total assets | $3,667,954,330 | 213 |
| Average earning assets | $3,291,857,000 | 208 |
| Average equity | $377,369,330 | 217 |
| Average total loans | $2,270,110,670 | 217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 6,643 |
| Cost of funding earning assets | 1.1294% | 5,761 |
| Net interest margin | 3.4380% | 5,435 |
| Noninterest income to average assets | 1.1744% | 889 |
| Noninterest expense to average assets | 2.7016% | 4,901 |
| Loan and lease loss provision to assets | 1.6455% | 698 |
| Net operating income to assets | 0.0548% | 6,145 |
| Return on assets (ROA) | 0.0690% | 6,214 |
| Pretax return on assets | -0.0706% | 6,427 |
| Return on Equity (ROE) | 0.6764% | 6,218 |
| Retained earnings to average equity (ytd only) | 0.6764% | 5,554 |
| Net charge-offs to loans | 1.7498% | 989 |
| Credit loss provision to net charge-offs | 150.1149% | 2,370 |
| Earnings coverage of net charge-offs (x) | 1.4164% | 3,895 |
| Efficiency ratio | 62.2268% | 5,793 |
| Assets per employee ($millions) | 5.5239% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0709% | 771 |
| Loan loss allowance to noncurrent loans | 51.2315% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 3.8820% | 1,778 |
| Noncurrent loans to loans | 5.9942% | 1,098 |
| Net loans and leases to total assets | 59.7815% | 5,153 |
| Net loans and leases to deposits | 79.8493% | 3,685 |
| Net loans and leases to core deposits | 84.8520% | 4,077 |
| Total domestic deposits to total assets | 74.8678% | 6,922 |
| Equity capital to assets | 10.1928% | 3,620 |
| Core capital (leverage) ratio | 8.2425% | 5,844 |
| Tier 1 risk-based capital ratio | 10.9488% | 6,207 |
| Total risk-based capital ratio | 13.5436% | 4,868 |
| Memoranda: | ||
| Average total assets | $3,652,298,500 | 217 |
| Average earning assets | $3,271,949,000 | 212 |
| Average equity | $372,544,000 | 224 |
| Average total loans | $2,288,051,000 | 223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 6,782 |
| Cost of funding earning assets | 1.6174% | 4,953 |
| Net interest margin | 3.2518% | 5,919 |
| Noninterest income to average assets | 1.2501% | 967 |
| Noninterest expense to average assets | 2.8683% | 4,661 |
| Loan and lease loss provision to assets | 2.1687% | 962 |
| Net operating income to assets | -0.4096% | 6,086 |
| Return on assets (ROA) | -0.4020% | 6,071 |
| Pretax return on assets | -0.8483% | 6,303 |
| Return on Equity (ROE) | -3.7313% | 6,086 |
| Retained earnings to average equity (ytd only) | -5.0726% | 6,030 |
| Net charge-offs to loans | 2.6075% | 867 |
| Credit loss provision to net charge-offs | 122.3708% | 4,323 |
| Earnings coverage of net charge-offs (x) | 0.7384% | 5,361 |
| Efficiency ratio | 66.2049% | 5,356 |
| Assets per employee ($millions) | 5.4036% | 1,734 |
| Cash dividends to net income (ytd only)* | -35.9452% | 7,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7941% | 934 |
| Loan loss allowance to noncurrent loans | 49.5910% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.7907% | 1,754 |
| Noncurrent loans to loans | 5.6344% | 1,139 |
| Net loans and leases to total assets | 61.8517% | 5,021 |
| Net loans and leases to deposits | 83.2495% | 3,413 |
| Net loans and leases to core deposits | 96.2256% | 4,443 |
| Total domestic deposits to total assets | 74.2967% | 6,976 |
| Equity capital to assets | 10.2078% | 3,500 |
| Core capital (leverage) ratio | 8.0416% | 6,097 |
| Tier 1 risk-based capital ratio | 10.6234% | 6,276 |
| Total risk-based capital ratio | 13.1782% | 4,956 |
| Memoranda: | ||
| Average total assets | $3,539,507,400 | 225 |
| Average earning assets | $3,185,757,400 | 221 |
| Average equity | $381,364,400 | 217 |
| Average total loans | $2,405,749,400 | 221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 6,890 |
| Cost of funding earning assets | 1.7120% | 4,839 |
| Net interest margin | 3.1861% | 6,074 |
| Noninterest income to average assets | 1.2415% | 1,000 |
| Noninterest expense to average assets | 2.8891% | 4,504 |
| Loan and lease loss provision to assets | 2.1110% | 828 |
| Net operating income to assets | -0.4275% | 6,356 |
| Return on assets (ROA) | -0.4225% | 6,344 |
| Pretax return on assets | -0.8782% | 6,589 |
| Return on Equity (ROE) | -3.8686% | 6,331 |
| Retained earnings to average equity (ytd only) | -5.6444% | 6,340 |
| Net charge-offs to loans | 2.3744% | 779 |
| Credit loss provision to net charge-offs | 128.6847% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.7467% | 5,295 |
| Efficiency ratio | 67.3219% | 5,115 |
| Assets per employee ($millions) | 5.5426% | 1,573 |
| Cash dividends to net income (ytd only)* | -45.9033% | 7,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6836% | 895 |
| Loan loss allowance to noncurrent loans | 44.0220% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.1274% | 1,528 |
| Noncurrent loans to loans | 6.0961% | 957 |
| Net loans and leases to total assets | 62.8657% | 5,094 |
| Net loans and leases to deposits | 85.0172% | 3,498 |
| Net loans and leases to core deposits | 98.0483% | 4,595 |
| Total domestic deposits to total assets | 73.9446% | 6,951 |
| Equity capital to assets | 10.3603% | 3,668 |
| Core capital (leverage) ratio | 8.2046% | 6,004 |
| Tier 1 risk-based capital ratio | 10.5455% | 6,421 |
| Total risk-based capital ratio | 13.0811% | 5,068 |
| Memoranda: | ||
| Average total assets | $3,516,587,750 | 235 |
| Average earning assets | $3,170,448,750 | 232 |
| Average equity | $384,039,250 | 225 |
| Average total loans | $2,429,559,750 | 232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 6,962 |
| Cost of funding earning assets | 1.7814% | 4,853 |
| Net interest margin | 3.1510% | 6,087 |
| Noninterest income to average assets | 1.2927% | 914 |
| Noninterest expense to average assets | 2.8899% | 4,540 |
| Loan and lease loss provision to assets | 1.2205% | 1,409 |
| Net operating income to assets | 0.1198% | 5,501 |
| Return on assets (ROA) | 0.1309% | 5,579 |
| Pretax return on assets | 0.0332% | 5,806 |
| Return on Equity (ROE) | 1.1772% | 5,582 |
| Retained earnings to average equity (ytd only) | -0.4262% | 5,332 |
| Net charge-offs to loans | 1.0935% | 1,659 |
| Credit loss provision to net charge-offs | 157.9817% | 2,911 |
| Earnings coverage of net charge-offs (x) | 1.6085% | 4,337 |
| Efficiency ratio | 67.0057% | 5,362 |
| Assets per employee ($millions) | 5.3681% | 1,699 |
| Cash dividends to net income (ytd only)* | 136.2039% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4289% | 962 |
| Loan loss allowance to noncurrent loans | 41.9188% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 4.0398% | 1,455 |
| Noncurrent loans to loans | 5.7943% | 965 |
| Net loans and leases to total assets | 64.8437% | 4,798 |
| Net loans and leases to deposits | 88.3493% | 3,121 |
| Net loans and leases to core deposits | 102.4376% | 4,236 |
| Total domestic deposits to total assets | 73.3948% | 7,051 |
| Equity capital to assets | 10.6938% | 3,210 |
| Core capital (leverage) ratio | 8.8158% | 4,920 |
| Tier 1 risk-based capital ratio | 10.6444% | 6,239 |
| Total risk-based capital ratio | 13.1273% | 4,932 |
| Memoranda: | ||
| Average total assets | $3,478,653,000 | 244 |
| Average earning assets | $3,135,090,000 | 240 |
| Average equity | $386,679,000 | 228 |
| Average total loans | $2,457,677,000 | 238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 6,832 |
| Cost of funding earning assets | 1.7855% | 5,183 |
| Net interest margin | 3.2550% | 5,673 |
| Noninterest income to average assets | 1.3849% | 739 |
| Noninterest expense to average assets | 2.8175% | 4,491 |
| Loan and lease loss provision to assets | 1.2443% | 1,039 |
| Net operating income to assets | 0.2581% | 5,452 |
| Return on assets (ROA) | 0.2771% | 5,548 |
| Pretax return on assets | 0.2714% | 5,757 |
| Return on Equity (ROE) | 2.4433% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.4433% | 4,517 |
| Net charge-offs to loans | 0.2158% | 3,348 |
| Credit loss provision to net charge-offs | 791.4243% | 756 |
| Earnings coverage of net charge-offs (x) | 9.5198% | 2,053 |
| Efficiency ratio | 62.4399% | 5,973 |
| Assets per employee ($millions) | 5.2615% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4176% | 832 |
| Loan loss allowance to noncurrent loans | 49.7041% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.5679% | 1,493 |
| Noncurrent loans to loans | 4.8641% | 1,125 |
| Net loans and leases to total assets | 68.6720% | 3,983 |
| Net loans and leases to deposits | 94.4617% | 2,200 |
| Net loans and leases to core deposits | 110.4181% | 3,378 |
| Total domestic deposits to total assets | 72.6983% | 7,102 |
| Equity capital to assets | 11.0560% | 2,917 |
| Core capital (leverage) ratio | 9.3557% | 4,164 |
| Tier 1 risk-based capital ratio | 10.6717% | 6,222 |
| Total risk-based capital ratio | 13.1492% | 4,953 |
| Memoranda: | ||
| Average total assets | $3,411,616,500 | 250 |
| Average earning assets | $3,070,309,000 | 245 |
| Average equity | $386,850,000 | 225 |
| Average total loans | $2,486,043,500 | 236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9594% | 5,757 |
| Cost of funding earning assets | 2.1375% | 5,890 |
| Net interest margin | 3.8218% | 3,932 |
| Noninterest income to average assets | 1.4237% | 706 |
| Noninterest expense to average assets | 3.1823% | 3,402 |
| Loan and lease loss provision to assets | 1.0473% | 1,398 |
| Net operating income to assets | 0.4926% | 4,772 |
| Return on assets (ROA) | 0.5095% | 4,537 |
| Pretax return on assets | 0.6257% | 4,610 |
| Return on Equity (ROE) | 4.9761% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.5380% | 3,626 |
| Net charge-offs to loans | 0.3215% | 3,252 |
| Credit loss provision to net charge-offs | 427.8422% | 1,023 |
| Earnings coverage of net charge-offs (x) | 6.7490% | 3,284 |
| Efficiency ratio | 60.2087% | 6,298 |
| Assets per employee ($millions) | 4.8655% | 2,092 |
| Cash dividends to net income (ytd only)* | 48.9968% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 1,181 |
| Loan loss allowance to noncurrent loans | 73.2378% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.1716% | 2,254 |
| Noncurrent loans to loans | 2.7610% | 1,965 |
| Net loans and leases to total assets | 73.9949% | 3,100 |
| Net loans and leases to deposits | 103.3206% | 1,425 |
| Net loans and leases to core deposits | 122.5398% | 2,445 |
| Total domestic deposits to total assets | 71.6168% | 7,074 |
| Equity capital to assets | 11.6401% | 2,540 |
| Core capital (leverage) ratio | 9.6900% | 3,779 |
| Tier 1 risk-based capital ratio | 11.0705% | 5,667 |
| Total risk-based capital ratio | 13.5976% | 4,440 |
| Memoranda: | ||
| Average total assets | $3,169,192,200 | 247 |
| Average earning assets | $2,828,270,400 | 247 |
| Average equity | $324,511,400 | 256 |
| Average total loans | $2,413,082,400 | 235 |