Home > Simmons Bank > Performance and Condition Ratios
Simmons Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5317% | 2,019 |
| Cost of funding earning assets | 2.8105% | 696 |
| Net interest margin | 2.7212% | 3,570 |
| Noninterest income to average assets | 0.7000% | 1,135 |
| Noninterest expense to average assets | 2.0146% | 3,533 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.7669% | 2,787 |
| Return on assets (ROA) | 0.6494% | 3,114 |
| Pretax return on assets | 0.7582% | 3,135 |
| Return on Equity (ROE) | 5.0000% | 3,529 |
| Retained earnings to average equity (ytd only) | -3.2647% | 4,271 |
| Net charge-offs to loans | 0.1985% | 592 |
| Credit loss provision to net charge-offs | 131.3789% | 1,409 |
| Earnings coverage of net charge-offs (x) | 8.5089% | 2,211 |
| Efficiency ratio | 63.7265% | 2,746 |
| Assets per employee ($millions) | 9.2065% | 1,001 |
| Cash dividends to net income (ytd only)* | 165.2463% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 1,541 |
| Loan loss allowance to noncurrent loans | 229.3331% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 1,748 |
| Noncurrent loans to loans | 0.5863% | 1,625 |
| Net loans and leases to total assets | 62.8300% | 2,651 |
| Net loans and leases to deposits | 76.9805% | 2,435 |
| Net loans and leases to core deposits | 99.3780% | 1,516 |
| Total domestic deposits to total assets | 81.6200% | 3,180 |
| Equity capital to assets | 13.1507% | 935 |
| Core capital (leverage) ratio | 9.7726% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3774% | 2,127 |
| Memoranda: | ||
| Average total assets | $27,299,823,000 | 79 |
| Average earning assets | $23,767,325,750 | 82 |
| Average equity | $3,543,165,500 | 69 |
| Average total loans | $17,104,534,750 | 81 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 2,015 |
| Cost of funding earning assets | 2.7880% | 675 |
| Net interest margin | 2.6906% | 3,597 |
| Noninterest income to average assets | 0.6900% | 1,121 |
| Noninterest expense to average assets | 2.0073% | 3,544 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.7355% | 2,842 |
| Return on assets (ROA) | 0.7337% | 2,855 |
| Pretax return on assets | 0.8707% | 2,828 |
| Return on Equity (ROE) | 5.6800% | 3,361 |
| Retained earnings to average equity (ytd only) | -5.3785% | 4,322 |
| Net charge-offs to loans | 0.1897% | 569 |
| Credit loss provision to net charge-offs | 131.9522% | 1,293 |
| Earnings coverage of net charge-offs (x) | 8.7048% | 2,044 |
| Efficiency ratio | 64.2570% | 2,740 |
| Assets per employee ($millions) | 9.2795% | 914 |
| Cash dividends to net income (ytd only)* | 194.7222% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,580 |
| Loan loss allowance to noncurrent loans | 222.7059% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 1,643 |
| Noncurrent loans to loans | 0.6013% | 1,525 |
| Net loans and leases to total assets | 62.1200% | 2,753 |
| Net loans and leases to deposits | 76.7356% | 2,490 |
| Net loans and leases to core deposits | 97.1760% | 1,663 |
| Total domestic deposits to total assets | 80.9500% | 3,292 |
| Equity capital to assets | 12.8202% | 915 |
| Core capital (leverage) ratio | 9.6623% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2690% | 2,142 |
| Memoranda: | ||
| Average total assets | $27,322,200,333 | 77 |
| Average earning assets | $23,794,210,000 | 81 |
| Average equity | $3,530,454,333 | 67 |
| Average total loans | $17,024,635,000 | 80 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 1,955 |
| Cost of funding earning assets | 2.7522% | 657 |
| Net interest margin | 2.6748% | 3,612 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 1.9948% | 3,596 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 0.7304% | 2,747 |
| Return on assets (ROA) | 0.7277% | 2,769 |
| Pretax return on assets | 0.8658% | 2,757 |
| Return on Equity (ROE) | 5.6100% | 3,322 |
| Retained earnings to average equity (ytd only) | -12.1418% | 4,351 |
| Net charge-offs to loans | 0.1906% | 467 |
| Credit loss provision to net charge-offs | 126.4527% | 1,020 |
| Earnings coverage of net charge-offs (x) | 8.6179% | 1,705 |
| Efficiency ratio | 64.3307% | 2,771 |
| Assets per employee ($millions) | 9.1895% | 956 |
| Cash dividends to net income (ytd only)* | 316.4293% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,622 |
| Loan loss allowance to noncurrent loans | 211.9401% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 1,522 |
| Noncurrent loans to loans | 0.6305% | 1,393 |
| Net loans and leases to total assets | 61.4200% | 2,722 |
| Net loans and leases to deposits | 74.5763% | 2,548 |
| Net loans and leases to core deposits | 94.6949% | 1,737 |
| Total domestic deposits to total assets | 82.3600% | 3,118 |
| Equity capital to assets | 12.7639% | 919 |
| Core capital (leverage) ratio | 9.6401% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2247% | 2,165 |
| Memoranda: | ||
| Average total assets | $27,319,290,500 | 77 |
| Average earning assets | $23,780,748,500 | 81 |
| Average equity | $3,543,934,500 | 66 |
| Average total loans | $16,934,251,000 | 80 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 2,049 |
| Cost of funding earning assets | 2.2116% | 628 |
| Net interest margin | 2.7999% | 3,662 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.0464% | 3,522 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.8118% | 2,833 |
| Return on assets (ROA) | 0.7498% | 3,028 |
| Pretax return on assets | 0.8819% | 3,010 |
| Return on Equity (ROE) | 5.9000% | 3,537 |
| Retained earnings to average equity (ytd only) | 1.4755% | 3,716 |
| Net charge-offs to loans | 0.1151% | 826 |
| Credit loss provision to net charge-offs | 247.6708% | 1,073 |
| Earnings coverage of net charge-offs (x) | 15.9268% | 2,028 |
| Efficiency ratio | 63.0090% | 2,722 |
| Assets per employee ($millions) | 9.1365% | 942 |
| Cash dividends to net income (ytd only)* | 75.0002% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,622 |
| Loan loss allowance to noncurrent loans | 264.3335% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,639 |
| Noncurrent loans to loans | 0.5055% | 1,519 |
| Net loans and leases to total assets | 60.8900% | 2,762 |
| Net loans and leases to deposits | 74.1934% | 2,601 |
| Net loans and leases to core deposits | 93.5112% | 1,802 |
| Total domestic deposits to total assets | 82.0800% | 3,113 |
| Equity capital to assets | 13.1808% | 826 |
| Core capital (leverage) ratio | 10.0474% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7892% | 1,939 |
| Memoranda: | ||
| Average total assets | $27,538,685,400 | 75 |
| Average earning assets | $24,143,396,400 | 77 |
| Average equity | $3,498,812,800 | 60 |
| Average total loans | $16,636,891,800 | 77 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 2,109 |
| Cost of funding earning assets | 2.0547% | 641 |
| Net interest margin | 2.8233% | 3,689 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.0061% | 3,580 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.8486% | 2,868 |
| Return on assets (ROA) | 0.8446% | 2,862 |
| Pretax return on assets | 1.0257% | 2,781 |
| Return on Equity (ROE) | 6.7100% | 3,504 |
| Retained earnings to average equity (ytd only) | 1.6775% | 3,797 |
| Net charge-offs to loans | 0.1174% | 684 |
| Credit loss provision to net charge-offs | 247.8297% | 993 |
| Earnings coverage of net charge-offs (x) | 16.7949% | 1,919 |
| Efficiency ratio | 61.0004% | 2,841 |
| Assets per employee ($millions) | 9.2147% | 865 |
| Cash dividends to net income (ytd only)* | 74.9997% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 1,858 |
| Loan loss allowance to noncurrent loans | 263.8942% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 1,766 |
| Noncurrent loans to loans | 0.4934% | 1,584 |
| Net loans and leases to total assets | 60.1800% | 2,825 |
| Net loans and leases to deposits | 73.9815% | 2,564 |
| Net loans and leases to core deposits | 94.8766% | 1,626 |
| Total domestic deposits to total assets | 81.3500% | 3,329 |
| Equity capital to assets | 12.5413% | 909 |
| Core capital (leverage) ratio | 9.9271% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6242% | 2,036 |
| Memoranda: | ||
| Average total assets | $27,596,133,000 | 76 |
| Average earning assets | $24,229,906,750 | 79 |
| Average equity | $3,473,630,500 | 61 |
| Average total loans | $16,582,380,250 | 78 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 2,112 |
| Cost of funding earning assets | 1.8430% | 687 |
| Net interest margin | 2.9050% | 3,637 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.0398% | 3,493 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.8713% | 2,843 |
| Return on assets (ROA) | 0.8690% | 2,849 |
| Pretax return on assets | 1.0560% | 2,762 |
| Return on Equity (ROE) | 6.9000% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.7239% | 3,779 |
| Net charge-offs to loans | 0.0359% | 1,183 |
| Credit loss provision to net charge-offs | 538.6716% | 622 |
| Earnings coverage of net charge-offs (x) | 57.4845% | 1,214 |
| Efficiency ratio | 60.4835% | 2,895 |
| Assets per employee ($millions) | 9.1606% | 863 |
| Cash dividends to net income (ytd only)* | 75.0002% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,185 |
| Loan loss allowance to noncurrent loans | 287.5103% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 1,833 |
| Noncurrent loans to loans | 0.4336% | 1,634 |
| Net loans and leases to total assets | 59.5900% | 2,811 |
| Net loans and leases to deposits | 73.4513% | 2,548 |
| Net loans and leases to core deposits | 93.4086% | 1,603 |
| Total domestic deposits to total assets | 81.1300% | 3,409 |
| Equity capital to assets | 12.5842% | 914 |
| Core capital (leverage) ratio | 9.8029% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4530% | 2,116 |
| Memoranda: | ||
| Average total assets | $27,620,087,000 | 75 |
| Average earning assets | $24,272,347,333 | 75 |
| Average equity | $3,480,877,667 | 61 |
| Average total loans | $16,515,352,667 | 76 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 2,020 |
| Cost of funding earning assets | 1.6000% | 697 |
| Net interest margin | 3.0255% | 3,537 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.0712% | 3,446 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 0.7727% | 3,288 |
| Return on assets (ROA) | 0.7765% | 3,226 |
| Pretax return on assets | 0.9649% | 3,090 |
| Return on Equity (ROE) | 6.1600% | 3,683 |
| Retained earnings to average equity (ytd only) | 1.5391% | 3,778 |
| Net charge-offs to loans | 0.0322% | 1,072 |
| Credit loss provision to net charge-offs | 830.1141% | 406 |
| Earnings coverage of net charge-offs (x) | 68.5681% | 955 |
| Efficiency ratio | 59.4434% | 3,029 |
| Assets per employee ($millions) | 8.6871% | 1,058 |
| Cash dividends to net income (ytd only)* | 74.9995% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,306 |
| Loan loss allowance to noncurrent loans | 316.7554% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 1,895 |
| Noncurrent loans to loans | 0.3938% | 1,747 |
| Net loans and leases to total assets | 59.3800% | 2,729 |
| Net loans and leases to deposits | 72.2655% | 2,449 |
| Net loans and leases to core deposits | 89.7852% | 1,626 |
| Total domestic deposits to total assets | 82.1700% | 3,458 |
| Equity capital to assets | 12.6919% | 828 |
| Core capital (leverage) ratio | 9.8276% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4623% | 2,192 |
| Memoranda: | ||
| Average total assets | $27,473,997,500 | 79 |
| Average earning assets | $24,134,064,500 | 79 |
| Average equity | $3,465,051,000 | 63 |
| Average total loans | $16,351,093,500 | 80 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 2,422 |
| Cost of funding earning assets | 0.5397% | 1,158 |
| Net interest margin | 3.2028% | 2,862 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1431% | 3,183 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1175% | 2,088 |
| Return on assets (ROA) | 1.1103% | 2,059 |
| Pretax return on assets | 1.3383% | 1,965 |
| Return on Equity (ROE) | 8.6400% | 3,220 |
| Retained earnings to average equity (ytd only) | 2.1595% | 3,946 |
| Net charge-offs to loans | 0.0889% | 786 |
| Credit loss provision to net charge-offs | -42.6307% | 4,561 |
| Earnings coverage of net charge-offs (x) | 29.0190% | 1,701 |
| Efficiency ratio | 58.7563% | 3,224 |
| Assets per employee ($millions) | 8.5176% | 1,085 |
| Cash dividends to net income (ytd only)* | 75.0002% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,298 |
| Loan loss allowance to noncurrent loans | 327.5600% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 2,004 |
| Noncurrent loans to loans | 0.3724% | 1,809 |
| Net loans and leases to total assets | 58.1800% | 2,808 |
| Net loans and leases to deposits | 70.3277% | 2,558 |
| Net loans and leases to core deposits | 84.5428% | 1,841 |
| Total domestic deposits to total assets | 82.7300% | 3,482 |
| Equity capital to assets | 12.5319% | 795 |
| Core capital (leverage) ratio | 9.9636% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2594% | 2,261 |
| Memoranda: | ||
| Average total assets | $26,144,382,800 | 85 |
| Average earning assets | $23,021,614,800 | 84 |
| Average equity | $3,360,521,200 | 67 |
| Average total loans | $14,201,012,000 | 92 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4971% | 2,628 |
| Cost of funding earning assets | 0.3377% | 1,798 |
| Net interest margin | 3.1594% | 2,745 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.1629% | 3,030 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0321% | 2,352 |
| Return on assets (ROA) | 1.0227% | 2,372 |
| Pretax return on assets | 1.2628% | 2,166 |
| Return on Equity (ROE) | 7.9000% | 3,364 |
| Retained earnings to average equity (ytd only) | 1.9760% | 4,040 |
| Net charge-offs to loans | 0.0723% | 790 |
| Credit loss provision to net charge-offs | -72.6808% | 4,636 |
| Earnings coverage of net charge-offs (x) | 35.0780% | 1,442 |
| Efficiency ratio | 59.8881% | 3,127 |
| Assets per employee ($millions) | 8.4766% | 1,079 |
| Cash dividends to net income (ytd only)* | 75.0001% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,196 |
| Loan loss allowance to noncurrent loans | 336.8424% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,086 |
| Noncurrent loans to loans | 0.3755% | 1,885 |
| Net loans and leases to total assets | 57.0700% | 2,790 |
| Net loans and leases to deposits | 69.3347% | 2,429 |
| Net loans and leases to core deposits | 80.4609% | 1,868 |
| Total domestic deposits to total assets | 82.3200% | 3,785 |
| Equity capital to assets | 12.4402% | 786 |
| Core capital (leverage) ratio | 10.0655% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3446% | 2,342 |
| Memoranda: | ||
| Average total assets | $25,828,039,000 | 86 |
| Average earning assets | $22,763,056,250 | 85 |
| Average equity | $3,341,909,250 | 69 |
| Average total loans | $13,715,215,500 | 94 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2630% | 2,865 |
| Cost of funding earning assets | 0.2318% | 2,477 |
| Net interest margin | 3.0312% | 2,795 |
| Noninterest income to average assets | 0.7328% | 1,223 |
| Noninterest expense to average assets | 2.1990% | 2,861 |
| Loan and lease loss provision to assets | 0.1097% | 909 |
| Net operating income to assets | 0.8833% | 2,657 |
| Return on assets (ROA) | 0.8742% | 2,663 |
| Pretax return on assets | 1.0902% | 2,440 |
| Return on Equity (ROE) | 6.6655% | 3,408 |
| Retained earnings to average equity (ytd only) | 1.6101% | 3,851 |
| Net charge-offs to loans | 0.1109% | 545 |
| Credit loss provision to net charge-offs | 144.5976% | 1,107 |
| Earnings coverage of net charge-offs (x) | 21.2255% | 1,531 |
| Efficiency ratio | 62.7330% | 2,951 |
| Assets per employee ($millions) | 8.4593% | 1,084 |
| Cash dividends to net income (ytd only)* | 75.8439% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,734 |
| Loan loss allowance to noncurrent loans | 319.7786% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 2,024 |
| Noncurrent loans to loans | 0.4389% | 1,806 |
| Net loans and leases to total assets | 54.9704% | 2,864 |
| Net loans and leases to deposits | 67.1518% | 2,457 |
| Net loans and leases to core deposits | 75.1402% | 2,081 |
| Total domestic deposits to total assets | 81.8599% | 4,025 |
| Equity capital to assets | 12.7202% | 714 |
| Core capital (leverage) ratio | 10.0109% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7282% | 2,191 |
| Memoranda: | ||
| Average total assets | $25,429,577,667 | 85 |
| Average earning assets | $22,461,797,000 | 85 |
| Average equity | $3,335,285,333 | 68 |
| Average total loans | $13,080,051,000 | 99 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9744% | 3,329 |
| Cost of funding earning assets | 0.2113% | 2,654 |
| Net interest margin | 2.7631% | 3,245 |
| Noninterest income to average assets | 0.7673% | 1,124 |
| Noninterest expense to average assets | 2.0781% | 3,225 |
| Loan and lease loss provision to assets | -0.3243% | 4,734 |
| Net operating income to assets | 1.1850% | 1,285 |
| Return on assets (ROA) | 1.1812% | 1,292 |
| Pretax return on assets | 1.4554% | 1,114 |
| Return on Equity (ROE) | 8.8579% | 2,366 |
| Retained earnings to average equity (ytd only) | 2.2145% | 3,491 |
| Net charge-offs to loans | 0.2156% | 287 |
| Credit loss provision to net charge-offs | -306.6523% | 3,053 |
| Earnings coverage of net charge-offs (x) | 10.7373% | 1,456 |
| Efficiency ratio | 62.8951% | 3,157 |
| Assets per employee ($millions) | 8.5009% | 1,119 |
| Cash dividends to net income (ytd only)* | 75.0000% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,596 |
| Loan loss allowance to noncurrent loans | 277.5002% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 2,012 |
| Noncurrent loans to loans | 0.5353% | 1,695 |
| Net loans and leases to total assets | 48.5689% | 3,326 |
| Net loans and leases to deposits | 60.6240% | 2,839 |
| Net loans and leases to core deposits | 65.4109% | 2,679 |
| Total domestic deposits to total assets | 80.1149% | 4,282 |
| Equity capital to assets | 12.7936% | 738 |
| Core capital (leverage) ratio | 9.6809% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0556% | 1,778 |
| Memoranda: | ||
| Average total assets | $24,558,711,500 | 89 |
| Average earning assets | $21,745,264,000 | 88 |
| Average equity | $3,274,805,000 | 70 |
| Average total loans | $12,045,680,500 | 105 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2254% | 3,420 |
| Cost of funding earning assets | 0.2909% | 2,500 |
| Net interest margin | 2.9345% | 3,361 |
| Noninterest income to average assets | 0.8429% | 1,336 |
| Noninterest expense to average assets | 2.0635% | 3,488 |
| Loan and lease loss provision to assets | -0.1399% | 4,610 |
| Net operating income to assets | 1.2339% | 1,797 |
| Return on assets (ROA) | 1.2885% | 1,686 |
| Pretax return on assets | 1.5990% | 1,422 |
| Return on Equity (ROE) | 9.4621% | 2,730 |
| Retained earnings to average equity (ytd only) | 2.3655% | 3,868 |
| Net charge-offs to loans | 0.1254% | 726 |
| Credit loss provision to net charge-offs | -208.6303% | 3,529 |
| Earnings coverage of net charge-offs (x) | 21.7426% | 1,814 |
| Efficiency ratio | 58.0496% | 3,440 |
| Assets per employee ($millions) | 8.6404% | 1,037 |
| Cash dividends to net income (ytd only)* | 75.0001% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 1,038 |
| Loan loss allowance to noncurrent loans | 295.1232% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,035 |
| Noncurrent loans to loans | 0.5776% | 1,698 |
| Net loans and leases to total assets | 47.9666% | 3,494 |
| Net loans and leases to deposits | 60.5672% | 3,027 |
| Net loans and leases to core deposits | 64.6715% | 2,928 |
| Total domestic deposits to total assets | 79.1956% | 4,293 |
| Equity capital to assets | 13.8700% | 689 |
| Core capital (leverage) ratio | 9.8273% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4167% | 1,708 |
| Memoranda: | ||
| Average total assets | $23,369,893,600 | 91 |
| Average earning assets | $20,804,054,800 | 91 |
| Average equity | $3,182,311,000 | 72 |
| Average total loans | $11,924,907,400 | 101 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 3,514 |
| Cost of funding earning assets | 0.3094% | 2,504 |
| Net interest margin | 2.9409% | 3,459 |
| Noninterest income to average assets | 0.8444% | 1,397 |
| Noninterest expense to average assets | 1.9873% | 3,718 |
| Loan and lease loss provision to assets | -0.1817% | 4,730 |
| Net operating income to assets | 1.3358% | 1,725 |
| Return on assets (ROA) | 1.4101% | 1,567 |
| Pretax return on assets | 1.7499% | 1,280 |
| Return on Equity (ROE) | 10.4070% | 2,589 |
| Retained earnings to average equity (ytd only) | 2.6017% | 4,032 |
| Net charge-offs to loans | 0.0632% | 1,009 |
| Credit loss provision to net charge-offs | -530.1596% | 3,667 |
| Earnings coverage of net charge-offs (x) | 45.2410% | 1,288 |
| Efficiency ratio | 55.7016% | 3,561 |
| Assets per employee ($millions) | 8.5247% | 1,042 |
| Cash dividends to net income (ytd only)* | 75.0002% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 818 |
| Loan loss allowance to noncurrent loans | 340.1273% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 2,292 |
| Noncurrent loans to loans | 0.5483% | 1,947 |
| Net loans and leases to total assets | 45.9605% | 3,800 |
| Net loans and leases to deposits | 58.2401% | 3,388 |
| Net loans and leases to core deposits | 62.3554% | 3,279 |
| Total domestic deposits to total assets | 78.9156% | 4,343 |
| Equity capital to assets | 13.5241% | 843 |
| Core capital (leverage) ratio | 9.5454% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4592% | 1,812 |
| Memoranda: | ||
| Average total assets | $23,040,931,000 | 92 |
| Average earning assets | $20,522,302,750 | 92 |
| Average equity | $3,121,909,000 | 72 |
| Average total loans | $11,894,573,000 | 102 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 3,482 |
| Cost of funding earning assets | 0.3289% | 2,500 |
| Net interest margin | 2.9513% | 3,445 |
| Noninterest income to average assets | 0.8443% | 1,407 |
| Noninterest expense to average assets | 1.9904% | 3,731 |
| Loan and lease loss provision to assets | -0.1001% | 4,626 |
| Net operating income to assets | 1.2861% | 1,904 |
| Return on assets (ROA) | 1.3607% | 1,756 |
| Pretax return on assets | 1.6789% | 1,531 |
| Return on Equity (ROE) | 10.0364% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.5280% | 3,991 |
| Net charge-offs to loans | 0.0131% | 1,690 |
| Credit loss provision to net charge-offs | -1,252.9412% | 3,730 |
| Earnings coverage of net charge-offs (x) | 213.8924% | 479 |
| Efficiency ratio | 55.5747% | 3,595 |
| Assets per employee ($millions) | 8.4587% | 1,021 |
| Cash dividends to net income (ytd only)* | 74.8117% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 614 |
| Loan loss allowance to noncurrent loans | 280.0301% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 2,024 |
| Noncurrent loans to loans | 0.7104% | 1,664 |
| Net loans and leases to total assets | 47.8818% | 3,734 |
| Net loans and leases to deposits | 60.4177% | 3,357 |
| Net loans and leases to core deposits | 65.3167% | 3,173 |
| Total domestic deposits to total assets | 79.2513% | 4,317 |
| Equity capital to assets | 13.4211% | 837 |
| Core capital (leverage) ratio | 9.4253% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4574% | 1,815 |
| Memoranda: | ||
| Average total assets | $22,992,147,333 | 92 |
| Average earning assets | $20,509,975,333 | 91 |
| Average equity | $3,117,258,333 | 72 |
| Average total loans | $12,239,595,333 | 100 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 3,386 |
| Cost of funding earning assets | 0.3545% | 2,490 |
| Net interest margin | 2.9743% | 3,325 |
| Noninterest income to average assets | 0.8720% | 1,405 |
| Noninterest expense to average assets | 1.9912% | 3,747 |
| Loan and lease loss provision to assets | 0.0254% | 2,451 |
| Net operating income to assets | 1.2321% | 2,039 |
| Return on assets (ROA) | 1.3099% | 1,878 |
| Pretax return on assets | 1.6074% | 1,707 |
| Return on Equity (ROE) | 9.6117% | 2,817 |
| Retained earnings to average equity (ytd only) | 2.4029% | 3,929 |
| Net charge-offs to loans | 0.0928% | 725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 29.8640% | 1,096 |
| Efficiency ratio | 54.7767% | 3,704 |
| Assets per employee ($millions) | 7.9157% | 1,231 |
| Cash dividends to net income (ytd only)* | 75.0007% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 719 |
| Loan loss allowance to noncurrent loans | 203.5328% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 1,734 |
| Noncurrent loans to loans | 0.9423% | 1,436 |
| Net loans and leases to total assets | 51.6316% | 3,481 |
| Net loans and leases to deposits | 65.3991% | 2,988 |
| Net loans and leases to core deposits | 71.2175% | 2,768 |
| Total domestic deposits to total assets | 78.9485% | 4,336 |
| Equity capital to assets | 13.1736% | 865 |
| Core capital (leverage) ratio | 9.5775% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7225% | 1,668 |
| Memoranda: | ||
| Average total assets | $22,798,302,000 | 93 |
| Average earning assets | $20,358,499,500 | 92 |
| Average equity | $3,106,967,500 | 73 |
| Average total loans | $12,648,432,500 | 98 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 2,702 |
| Cost of funding earning assets | 0.5285% | 2,759 |
| Net interest margin | 3.4779% | 2,540 |
| Noninterest income to average assets | 0.9501% | 1,151 |
| Noninterest expense to average assets | 2.2827% | 3,454 |
| Loan and lease loss provision to assets | 0.3485% | 997 |
| Net operating income to assets | 1.0999% | 1,926 |
| Return on assets (ROA) | 1.3029% | 1,339 |
| Pretax return on assets | 1.6484% | 959 |
| Return on Equity (ROE) | 8.9223% | 2,432 |
| Retained earnings to average equity (ytd only) | -0.9551% | 4,633 |
| Net charge-offs to loans | 0.4495% | 368 |
| Credit loss provision to net charge-offs | 128.7672% | 2,559 |
| Earnings coverage of net charge-offs (x) | 5.8433% | 2,830 |
| Efficiency ratio | 55.1887% | 4,077 |
| Assets per employee ($millions) | 7.6873% | 1,171 |
| Cash dividends to net income (ytd only)* | 110.7041% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 818 |
| Loan loss allowance to noncurrent loans | 191.9323% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 1,635 |
| Noncurrent loans to loans | 0.9513% | 1,487 |
| Net loans and leases to total assets | 57.3758% | 3,153 |
| Net loans and leases to deposits | 74.5828% | 2,423 |
| Net loans and leases to core deposits | 81.1973% | 2,257 |
| Total domestic deposits to total assets | 76.9290% | 4,419 |
| Equity capital to assets | 14.1025% | 769 |
| Core capital (leverage) ratio | 9.8793% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2682% | 1,753 |
| Memoranda: | ||
| Average total assets | $21,514,187,000 | 92 |
| Average earning assets | $19,006,745,200 | 92 |
| Average equity | $3,141,712,800 | 73 |
| Average total loans | $14,251,010,400 | 86 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 2,591 |
| Cost of funding earning assets | 0.5756% | 2,767 |
| Net interest margin | 3.5543% | 2,409 |
| Noninterest income to average assets | 0.9814% | 1,055 |
| Noninterest expense to average assets | 2.2612% | 3,523 |
| Loan and lease loss provision to assets | 0.4255% | 787 |
| Net operating income to assets | 1.1170% | 1,927 |
| Return on assets (ROA) | 1.3876% | 1,227 |
| Pretax return on assets | 1.7706% | 828 |
| Return on Equity (ROE) | 9.4179% | 2,241 |
| Retained earnings to average equity (ytd only) | -1.8944% | 4,697 |
| Net charge-offs to loans | 0.4265% | 372 |
| Credit loss provision to net charge-offs | 161.4871% | 2,258 |
| Earnings coverage of net charge-offs (x) | 6.3641% | 2,655 |
| Efficiency ratio | 53.4126% | 4,212 |
| Assets per employee ($millions) | 7.4183% | 1,265 |
| Cash dividends to net income (ytd only)* | 120.1153% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 811 |
| Loan loss allowance to noncurrent loans | 146.8283% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 1,360 |
| Noncurrent loans to loans | 1.1899% | 1,278 |
| Net loans and leases to total assets | 65.2567% | 2,614 |
| Net loans and leases to deposits | 85.0291% | 1,808 |
| Net loans and leases to core deposits | 92.6293% | 1,745 |
| Total domestic deposits to total assets | 76.7462% | 4,356 |
| Equity capital to assets | 14.5516% | 717 |
| Core capital (leverage) ratio | 9.8624% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3459% | 2,053 |
| Memoranda: | ||
| Average total assets | $21,315,575,500 | 92 |
| Average earning assets | $18,790,990,750 | 92 |
| Average equity | $3,140,622,000 | 72 |
| Average total loans | $14,554,313,250 | 86 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 2,530 |
| Cost of funding earning assets | 0.6364% | 2,775 |
| Net interest margin | 3.6401% | 2,347 |
| Noninterest income to average assets | 0.9742% | 1,027 |
| Noninterest expense to average assets | 2.1971% | 3,797 |
| Loan and lease loss provision to assets | 0.4984% | 724 |
| Net operating income to assets | 1.1701% | 1,727 |
| Return on assets (ROA) | 1.4111% | 1,178 |
| Pretax return on assets | 1.7987% | 819 |
| Return on Equity (ROE) | 9.5374% | 2,129 |
| Retained earnings to average equity (ytd only) | -3.9707% | 4,725 |
| Net charge-offs to loans | 0.5570% | 286 |
| Credit loss provision to net charge-offs | 129.4306% | 2,235 |
| Earnings coverage of net charge-offs (x) | 5.1907% | 2,536 |
| Efficiency ratio | 50.9261% | 4,448 |
| Assets per employee ($millions) | 7.4824% | 1,189 |
| Cash dividends to net income (ytd only)* | 141.6333% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,071 |
| Loan loss allowance to noncurrent loans | 174.9462% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 1,812 |
| Noncurrent loans to loans | 0.8991% | 1,702 |
| Net loans and leases to total assets | 66.3187% | 2,581 |
| Net loans and leases to deposits | 86.5215% | 1,714 |
| Net loans and leases to core deposits | 95.6457% | 1,599 |
| Total domestic deposits to total assets | 76.6499% | 4,362 |
| Equity capital to assets | 14.2209% | 805 |
| Core capital (leverage) ratio | 9.7447% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7301% | 2,298 |
| Memoranda: | ||
| Average total assets | $21,289,272,333 | 89 |
| Average earning assets | $18,802,735,333 | 91 |
| Average equity | $3,149,748,333 | 72 |
| Average total loans | $14,669,226,000 | 86 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 2,203 |
| Cost of funding earning assets | 0.7931% | 2,436 |
| Net interest margin | 3.7438% | 2,165 |
| Noninterest income to average assets | 0.9834% | 891 |
| Noninterest expense to average assets | 2.3344% | 3,690 |
| Loan and lease loss provision to assets | 0.4977% | 590 |
| Net operating income to assets | 1.1342% | 1,741 |
| Return on assets (ROA) | 1.6167% | 666 |
| Pretax return on assets | 2.0626% | 398 |
| Return on Equity (ROE) | 10.7114% | 1,497 |
| Retained earnings to average equity (ytd only) | -9.9488% | 4,766 |
| Net charge-offs to loans | 0.0717% | 1,316 |
| Credit loss provision to net charge-offs | 998.7419% | 581 |
| Earnings coverage of net charge-offs (x) | 39.0286% | 1,040 |
| Efficiency ratio | 52.9763% | 4,472 |
| Assets per employee ($millions) | 6.8006% | 1,182 |
| Cash dividends to net income (ytd only)* | 192.8801% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 915 |
| Loan loss allowance to noncurrent loans | 153.8479% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 1,535 |
| Noncurrent loans to loans | 1.0873% | 1,530 |
| Net loans and leases to total assets | 68.7397% | 2,427 |
| Net loans and leases to deposits | 91.2314% | 1,374 |
| Net loans and leases to core deposits | 104.3623% | 1,162 |
| Total domestic deposits to total assets | 75.3466% | 4,548 |
| Equity capital to assets | 14.7898% | 809 |
| Core capital (leverage) ratio | 10.1144% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1269% | 2,644 |
| Memoranda: | ||
| Average total assets | $21,005,859,000 | 86 |
| Average earning assets | $18,517,904,500 | 87 |
| Average equity | $3,170,551,500 | 71 |
| Average total loans | $14,640,680,500 | 83 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 1,434 |
| Cost of funding earning assets | 1.0401% | 1,557 |
| Net interest margin | 3.9762% | 1,922 |
| Noninterest income to average assets | 0.8492% | 1,303 |
| Noninterest expense to average assets | 2.4518% | 3,572 |
| Loan and lease loss provision to assets | 0.2448% | 763 |
| Net operating income to assets | 1.3091% | 1,654 |
| Return on assets (ROA) | 1.5076% | 1,099 |
| Pretax return on assets | 1.9156% | 721 |
| Return on Equity (ROE) | 9.8962% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.4222% | 1,197 |
| Net charge-offs to loans | 0.2507% | 825 |
| Credit loss provision to net charge-offs | 134.2357% | 1,906 |
| Earnings coverage of net charge-offs (x) | 10.4673% | 2,571 |
| Efficiency ratio | 54.6876% | 4,354 |
| Assets per employee ($millions) | 6.5746% | 1,244 |
| Cash dividends to net income (ytd only)* | 25.0001% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5287% | 4,856 |
| Loan loss allowance to noncurrent loans | 80.4441% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 2,133 |
| Noncurrent loans to loans | 0.6572% | 2,247 |
| Net loans and leases to total assets | 71.8239% | 2,116 |
| Net loans and leases to deposits | 96.5768% | 882 |
| Net loans and leases to core deposits | 107.1249% | 1,036 |
| Total domestic deposits to total assets | 74.3697% | 4,748 |
| Equity capital to assets | 15.9430% | 616 |
| Core capital (leverage) ratio | 10.6789% | 2,779 |
| Tier 1 risk-based capital ratio | 12.3498% | 4,163 |
| Total risk-based capital ratio | 12.8728% | 4,449 |
| Memoranda: | ||
| Average total assets | $17,173,397,000 | 93 |
| Average earning assets | $15,167,745,000 | 93 |
| Average equity | $2,616,179,000 | 81 |
| Average total loans | $12,495,095,200 | 88 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 1,378 |
| Cost of funding earning assets | 1.0742% | 1,452 |
| Net interest margin | 3.9895% | 1,976 |
| Noninterest income to average assets | 0.8296% | 1,332 |
| Noninterest expense to average assets | 2.4277% | 3,618 |
| Loan and lease loss provision to assets | 0.2998% | 491 |
| Net operating income to assets | 1.2704% | 1,949 |
| Return on assets (ROA) | 1.5345% | 1,154 |
| Pretax return on assets | 1.9630% | 744 |
| Return on Equity (ROE) | 10.1958% | 2,355 |
| Retained earnings to average equity (ytd only) | 7.6469% | 1,560 |
| Net charge-offs to loans | 0.3050% | 573 |
| Credit loss provision to net charge-offs | 134.7996% | 1,773 |
| Earnings coverage of net charge-offs (x) | 8.6718% | 2,636 |
| Efficiency ratio | 54.1992% | 4,372 |
| Assets per employee ($millions) | 6.6031% | 1,225 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 4,962 |
| Loan loss allowance to noncurrent loans | 95.2331% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,508 |
| Noncurrent loans to loans | 0.5357% | 2,683 |
| Net loans and leases to total assets | 73.3029% | 1,946 |
| Net loans and leases to deposits | 95.6838% | 1,054 |
| Net loans and leases to core deposits | 110.5329% | 926 |
| Total domestic deposits to total assets | 76.6096% | 4,571 |
| Equity capital to assets | 15.6438% | 704 |
| Core capital (leverage) ratio | 10.3594% | 3,240 |
| Tier 1 risk-based capital ratio | 11.7462% | 4,549 |
| Total risk-based capital ratio | 12.2532% | 4,795 |
| Memoranda: | ||
| Average total assets | $17,051,916,500 | 94 |
| Average earning assets | $15,072,917,500 | 95 |
| Average equity | $2,566,368,750 | 84 |
| Average total loans | $12,431,112,000 | 89 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 1,377 |
| Cost of funding earning assets | 1.0596% | 1,455 |
| Net interest margin | 3.9784% | 1,990 |
| Noninterest income to average assets | 0.8386% | 1,227 |
| Noninterest expense to average assets | 2.4473% | 3,617 |
| Loan and lease loss provision to assets | 0.1945% | 898 |
| Net operating income to assets | 1.3435% | 1,606 |
| Return on assets (ROA) | 1.3957% | 1,506 |
| Pretax return on assets | 1.7834% | 1,078 |
| Return on Equity (ROE) | 9.4033% | 2,681 |
| Retained earnings to average equity (ytd only) | 7.0525% | 1,781 |
| Net charge-offs to loans | 0.1453% | 1,067 |
| Credit loss provision to net charge-offs | 184.3208% | 1,295 |
| Earnings coverage of net charge-offs (x) | 18.1220% | 1,869 |
| Efficiency ratio | 54.6187% | 4,397 |
| Assets per employee ($millions) | 6.6756% | 1,148 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4876% | 5,035 |
| Loan loss allowance to noncurrent loans | 59.9520% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 1,886 |
| Noncurrent loans to loans | 0.8133% | 1,962 |
| Net loans and leases to total assets | 73.1308% | 2,036 |
| Net loans and leases to deposits | 96.1588% | 1,015 |
| Net loans and leases to core deposits | 113.3166% | 802 |
| Total domestic deposits to total assets | 76.0522% | 4,658 |
| Equity capital to assets | 15.0969% | 785 |
| Core capital (leverage) ratio | 10.2573% | 3,326 |
| Tier 1 risk-based capital ratio | 11.3320% | 4,776 |
| Total risk-based capital ratio | 11.8187% | 4,997 |
| Memoranda: | ||
| Average total assets | $16,830,538,330 | 95 |
| Average earning assets | $14,893,818,000 | 97 |
| Average equity | $2,498,005,670 | 84 |
| Average total loans | $12,223,827,330 | 90 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 1,419 |
| Cost of funding earning assets | 1.0455% | 1,393 |
| Net interest margin | 3.9228% | 2,120 |
| Noninterest income to average assets | 0.7974% | 1,300 |
| Noninterest expense to average assets | 2.4228% | 3,708 |
| Loan and lease loss provision to assets | 0.2280% | 678 |
| Net operating income to assets | 1.2727% | 1,804 |
| Return on assets (ROA) | 1.3262% | 1,652 |
| Pretax return on assets | 1.6858% | 1,247 |
| Return on Equity (ROE) | 9.0204% | 2,803 |
| Retained earnings to average equity (ytd only) | 6.7652% | 2,127 |
| Net charge-offs to loans | 0.1845% | 755 |
| Credit loss provision to net charge-offs | 171.2152% | 1,147 |
| Earnings coverage of net charge-offs (x) | 13.8643% | 1,822 |
| Efficiency ratio | 55.2350% | 4,413 |
| Assets per employee ($millions) | 6.2138% | 1,393 |
| Cash dividends to net income (ytd only)* | 25.0009% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5149% | 5,065 |
| Loan loss allowance to noncurrent loans | 63.2849% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 1,969 |
| Noncurrent loans to loans | 0.8136% | 2,014 |
| Net loans and leases to total assets | 72.8348% | 2,016 |
| Net loans and leases to deposits | 95.8598% | 982 |
| Net loans and leases to core deposits | 112.6702% | 799 |
| Total domestic deposits to total assets | 75.9805% | 4,762 |
| Equity capital to assets | 15.1030% | 738 |
| Core capital (leverage) ratio | 9.8090% | 3,807 |
| Tier 1 risk-based capital ratio | 11.3377% | 4,814 |
| Total risk-based capital ratio | 11.8459% | 5,048 |
| Memoranda: | ||
| Average total assets | $16,290,451,500 | 98 |
| Average earning assets | $14,416,152,000 | 100 |
| Average equity | $2,395,026,500 | 88 |
| Average total loans | $11,754,529,500 | 94 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 1,389 |
| Cost of funding earning assets | 0.7912% | 1,565 |
| Net interest margin | 4.0698% | 1,774 |
| Noninterest income to average assets | 0.9568% | 1,046 |
| Noninterest expense to average assets | 2.4351% | 3,787 |
| Loan and lease loss provision to assets | 0.2399% | 735 |
| Net operating income to assets | 1.4811% | 1,171 |
| Return on assets (ROA) | 1.4813% | 1,156 |
| Pretax return on assets | 1.8653% | 783 |
| Return on Equity (ROE) | 10.2199% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.8861% | 3,443 |
| Net charge-offs to loans | 0.2070% | 924 |
| Credit loss provision to net charge-offs | 162.0518% | 1,715 |
| Earnings coverage of net charge-offs (x) | 14.2189% | 2,392 |
| Efficiency ratio | 52.1713% | 4,782 |
| Assets per employee ($millions) | 6.2593% | 1,351 |
| Cash dividends to net income (ytd only)* | 61.9749% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4825% | 5,138 |
| Loan loss allowance to noncurrent loans | 78.1896% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,252 |
| Noncurrent loans to loans | 0.6171% | 2,433 |
| Net loans and leases to total assets | 70.7861% | 2,446 |
| Net loans and leases to deposits | 92.6701% | 1,444 |
| Net loans and leases to core deposits | 111.5427% | 905 |
| Total domestic deposits to total assets | 76.3850% | 4,705 |
| Equity capital to assets | 14.3121% | 889 |
| Core capital (leverage) ratio | 9.4613% | 4,155 |
| Tier 1 risk-based capital ratio | 11.0407% | 4,962 |
| Total risk-based capital ratio | 11.5186% | 5,169 |
| Memoranda: | ||
| Average total assets | $15,901,618,200 | 98 |
| Average earning assets | $14,000,465,600 | 100 |
| Average equity | $2,304,782,200 | 89 |
| Average total loans | $11,374,403,800 | 96 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 1,323 |
| Cost of funding earning assets | 0.7210% | 1,742 |
| Net interest margin | 4.1179% | 1,577 |
| Noninterest income to average assets | 0.9778% | 991 |
| Noninterest expense to average assets | 2.4821% | 3,648 |
| Loan and lease loss provision to assets | 0.2415% | 656 |
| Net operating income to assets | 1.4743% | 1,260 |
| Return on assets (ROA) | 1.4747% | 1,260 |
| Pretax return on assets | 1.8739% | 855 |
| Return on Equity (ROE) | 10.1410% | 2,559 |
| Retained earnings to average equity (ytd only) | 2.5352% | 4,385 |
| Net charge-offs to loans | 0.1644% | 1,004 |
| Credit loss provision to net charge-offs | 205.0604% | 1,349 |
| Earnings coverage of net charge-offs (x) | 17.9558% | 2,082 |
| Efficiency ratio | 52.5311% | 4,756 |
| Assets per employee ($millions) | 6.2078% | 1,345 |
| Cash dividends to net income (ytd only)* | 75.0001% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 5,216 |
| Loan loss allowance to noncurrent loans | 86.4351% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 2,564 |
| Noncurrent loans to loans | 0.5509% | 2,730 |
| Net loans and leases to total assets | 72.8875% | 2,188 |
| Net loans and leases to deposits | 96.3116% | 1,118 |
| Net loans and leases to core deposits | 110.5242% | 1,001 |
| Total domestic deposits to total assets | 75.6788% | 4,825 |
| Equity capital to assets | 14.1309% | 915 |
| Core capital (leverage) ratio | 9.3523% | 4,332 |
| Tier 1 risk-based capital ratio | 10.6162% | 5,201 |
| Total risk-based capital ratio | 11.0916% | 5,365 |
| Memoranda: | ||
| Average total assets | $15,747,468,500 | 98 |
| Average earning assets | $13,840,663,750 | 99 |
| Average equity | $2,289,952,750 | 88 |
| Average total loans | $11,280,683,000 | 95 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 1,412 |
| Cost of funding earning assets | 0.6387% | 1,993 |
| Net interest margin | 4.0983% | 1,565 |
| Noninterest income to average assets | 1.0278% | 913 |
| Noninterest expense to average assets | 2.4812% | 3,677 |
| Loan and lease loss provision to assets | 0.2335% | 683 |
| Net operating income to assets | 1.4635% | 1,246 |
| Return on assets (ROA) | 1.4635% | 1,247 |
| Pretax return on assets | 1.9051% | 763 |
| Return on Equity (ROE) | 9.9663% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.4916% | 4,263 |
| Net charge-offs to loans | 0.1173% | 1,227 |
| Credit loss provision to net charge-offs | 280.0400% | 1,060 |
| Earnings coverage of net charge-offs (x) | 25.6524% | 1,632 |
| Efficiency ratio | 52.2366% | 4,863 |
| Assets per employee ($millions) | 6.1015% | 1,401 |
| Cash dividends to net income (ytd only)* | 74.9998% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 5,295 |
| Loan loss allowance to noncurrent loans | 53.4486% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 1,840 |
| Noncurrent loans to loans | 0.8820% | 1,964 |
| Net loans and leases to total assets | 70.3480% | 2,527 |
| Net loans and leases to deposits | 93.3154% | 1,437 |
| Net loans and leases to core deposits | 112.0610% | 881 |
| Total domestic deposits to total assets | 75.3873% | 4,917 |
| Equity capital to assets | 14.1913% | 882 |
| Core capital (leverage) ratio | 9.5362% | 4,076 |
| Tier 1 risk-based capital ratio | 11.0644% | 5,020 |
| Total risk-based capital ratio | 11.5429% | 5,261 |
| Memoranda: | ||
| Average total assets | $15,577,202,000 | 99 |
| Average earning assets | $13,652,366,330 | 99 |
| Average equity | $2,287,457,330 | 87 |
| Average total loans | $11,071,931,670 | 95 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,587 |
| Cost of funding earning assets | 0.5741% | 2,222 |
| Net interest margin | 4.0220% | 1,651 |
| Noninterest income to average assets | 1.1398% | 718 |
| Noninterest expense to average assets | 2.5657% | 3,436 |
| Loan and lease loss provision to assets | 0.2492% | 598 |
| Net operating income to assets | 1.4397% | 1,225 |
| Return on assets (ROA) | 1.4398% | 1,229 |
| Pretax return on assets | 1.8484% | 827 |
| Return on Equity (ROE) | 10.1234% | 2,367 |
| Retained earnings to average equity (ytd only) | 2.5309% | 4,157 |
| Net charge-offs to loans | 0.1605% | 878 |
| Credit loss provision to net charge-offs | 219.7964% | 985 |
| Earnings coverage of net charge-offs (x) | 18.4960% | 1,535 |
| Efficiency ratio | 53.8909% | 4,811 |
| Assets per employee ($millions) | 5.6170% | 1,833 |
| Cash dividends to net income (ytd only)* | 75.0000% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5059% | 5,325 |
| Loan loss allowance to noncurrent loans | 65.2971% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7311% | 2,123 |
| Noncurrent loans to loans | 0.7747% | 2,266 |
| Net loans and leases to total assets | 69.6052% | 2,545 |
| Net loans and leases to deposits | 90.3767% | 1,646 |
| Net loans and leases to core deposits | 100.6037% | 1,641 |
| Total domestic deposits to total assets | 77.0167% | 4,852 |
| Equity capital to assets | 13.9897% | 895 |
| Core capital (leverage) ratio | 9.7299% | 3,820 |
| Tier 1 risk-based capital ratio | 11.4211% | 4,898 |
| Total risk-based capital ratio | 11.9215% | 5,187 |
| Memoranda: | ||
| Average total assets | $12,472,708,500 | 112 |
| Average earning assets | $10,926,253,000 | 113 |
| Average equity | $1,773,941,000 | 106 |
| Average total loans | $8,809,775,500 | 112 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,659 |
| Cost of funding earning assets | 0.3368% | 3,825 |
| Net interest margin | 3.8715% | 2,182 |
| Noninterest income to average assets | 1.5138% | 462 |
| Noninterest expense to average assets | 3.0217% | 2,107 |
| Loan and lease loss provision to assets | 0.2469% | 767 |
| Net operating income to assets | 0.9983% | 2,249 |
| Return on assets (ROA) | 1.0057% | 2,257 |
| Pretax return on assets | 1.6438% | 1,179 |
| Return on Equity (ROE) | 7.5692% | 3,008 |
| Retained earnings to average equity (ytd only) | 2.0211% | 4,107 |
| Net charge-offs to loans | 0.3493% | 731 |
| Credit loss provision to net charge-offs | 105.0981% | 2,448 |
| Earnings coverage of net charge-offs (x) | 7.9993% | 2,966 |
| Efficiency ratio | 60.3054% | 4,217 |
| Assets per employee ($millions) | 4.8305% | 2,697 |
| Cash dividends to net income (ytd only)* | 73.2986% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 5,236 |
| Loan loss allowance to noncurrent loans | 54.3908% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 1,471 |
| Noncurrent loans to loans | 1.1107% | 1,592 |
| Net loans and leases to total assets | 67.2417% | 2,926 |
| Net loans and leases to deposits | 87.0251% | 2,127 |
| Net loans and leases to core deposits | 91.5548% | 2,411 |
| Total domestic deposits to total assets | 77.2670% | 4,832 |
| Equity capital to assets | 13.1722% | 1,179 |
| Core capital (leverage) ratio | 9.2001% | 4,396 |
| Tier 1 risk-based capital ratio | 11.5300% | 4,832 |
| Total risk-based capital ratio | 12.1086% | 5,120 |
| Memoranda: | ||
| Average total assets | $9,176,679,400 | 134 |
| Average earning assets | $8,028,440,000 | 140 |
| Average equity | $1,219,298,600 | 133 |
| Average total loans | $6,171,853,600 | 143 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 2,765 |
| Cost of funding earning assets | 0.3065% | 4,071 |
| Net interest margin | 3.8515% | 2,218 |
| Noninterest income to average assets | 1.5457% | 456 |
| Noninterest expense to average assets | 2.8415% | 2,592 |
| Loan and lease loss provision to assets | 0.2453% | 704 |
| Net operating income to assets | 1.2027% | 1,682 |
| Return on assets (ROA) | 1.2245% | 1,625 |
| Pretax return on assets | 1.8723% | 740 |
| Return on Equity (ROE) | 9.1956% | 2,501 |
| Retained earnings to average equity (ytd only) | 2.4757% | 4,411 |
| Net charge-offs to loans | 0.2377% | 896 |
| Credit loss provision to net charge-offs | 153.6800% | 1,659 |
| Earnings coverage of net charge-offs (x) | 13.0568% | 2,380 |
| Efficiency ratio | 56.3499% | 4,697 |
| Assets per employee ($millions) | 4.9541% | 2,507 |
| Cash dividends to net income (ytd only)* | 73.0775% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 5,176 |
| Loan loss allowance to noncurrent loans | 55.0829% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 1,431 |
| Noncurrent loans to loans | 1.2391% | 1,538 |
| Net loans and leases to total assets | 65.9066% | 3,116 |
| Net loans and leases to deposits | 84.4683% | 2,497 |
| Net loans and leases to core deposits | 89.6191% | 2,644 |
| Total domestic deposits to total assets | 78.0253% | 4,721 |
| Equity capital to assets | 12.9940% | 1,393 |
| Core capital (leverage) ratio | 9.5418% | 4,106 |
| Tier 1 risk-based capital ratio | 11.5780% | 4,902 |
| Total risk-based capital ratio | 12.2248% | 5,149 |
| Memoranda: | ||
| Average total assets | $9,125,635,750 | 137 |
| Average earning assets | $8,007,717,000 | 142 |
| Average equity | $1,215,208,000 | 135 |
| Average total loans | $6,128,270,750 | 145 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,226 |
| Cost of funding earning assets | 0.2857% | 4,230 |
| Net interest margin | 3.9832% | 1,662 |
| Noninterest income to average assets | 1.5576% | 450 |
| Noninterest expense to average assets | 3.0333% | 2,035 |
| Loan and lease loss provision to assets | 0.2660% | 617 |
| Net operating income to assets | 1.1505% | 1,774 |
| Return on assets (ROA) | 1.1855% | 1,678 |
| Pretax return on assets | 1.8171% | 807 |
| Return on Equity (ROE) | 8.8157% | 2,597 |
| Retained earnings to average equity (ytd only) | 2.8781% | 3,996 |
| Net charge-offs to loans | 0.2335% | 871 |
| Credit loss provision to net charge-offs | 166.9024% | 1,421 |
| Earnings coverage of net charge-offs (x) | 12.7339% | 2,169 |
| Efficiency ratio | 58.5737% | 4,521 |
| Assets per employee ($millions) | 4.6512% | 2,862 |
| Cash dividends to net income (ytd only)* | 67.3521% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 5,218 |
| Loan loss allowance to noncurrent loans | 51.2292% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 1,348 |
| Noncurrent loans to loans | 1.3621% | 1,422 |
| Net loans and leases to total assets | 69.3975% | 2,606 |
| Net loans and leases to deposits | 87.3076% | 2,069 |
| Net loans and leases to core deposits | 91.7931% | 2,356 |
| Total domestic deposits to total assets | 79.4863% | 4,517 |
| Equity capital to assets | 13.4936% | 1,145 |
| Core capital (leverage) ratio | 9.6199% | 4,000 |
| Tier 1 risk-based capital ratio | 11.9161% | 4,688 |
| Total risk-based capital ratio | 12.5953% | 4,946 |
| Memoranda: | ||
| Average total assets | $8,516,542,000 | 149 |
| Average earning assets | $7,493,934,670 | 152 |
| Average equity | $1,145,252,000 | 136 |
| Average total loans | $5,811,423,330 | 146 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,281 |
| Cost of funding earning assets | 0.2645% | 4,410 |
| Net interest margin | 3.9353% | 1,652 |
| Noninterest income to average assets | 1.4871% | 491 |
| Noninterest expense to average assets | 2.9391% | 2,332 |
| Loan and lease loss provision to assets | 0.2027% | 811 |
| Net operating income to assets | 1.1705% | 1,586 |
| Return on assets (ROA) | 1.1724% | 1,620 |
| Pretax return on assets | 1.8088% | 776 |
| Return on Equity (ROE) | 8.7338% | 2,549 |
| Retained earnings to average equity (ytd only) | 2.5926% | 4,102 |
| Net charge-offs to loans | 0.2269% | 792 |
| Credit loss provision to net charge-offs | 132.5632% | 1,299 |
| Earnings coverage of net charge-offs (x) | 13.1352% | 1,803 |
| Efficiency ratio | 58.0264% | 4,710 |
| Assets per employee ($millions) | 4.6267% | 2,966 |
| Cash dividends to net income (ytd only)* | 70.3150% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 5,384 |
| Loan loss allowance to noncurrent loans | 45.3353% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 1,320 |
| Noncurrent loans to loans | 1.4599% | 1,379 |
| Net loans and leases to total assets | 66.7932% | 2,848 |
| Net loans and leases to deposits | 83.4650% | 2,346 |
| Net loans and leases to core deposits | 88.1090% | 2,535 |
| Total domestic deposits to total assets | 80.0254% | 4,614 |
| Equity capital to assets | 13.2931% | 1,153 |
| Core capital (leverage) ratio | 9.7988% | 3,757 |
| Tier 1 risk-based capital ratio | 12.3147% | 4,501 |
| Total risk-based capital ratio | 12.9597% | 4,804 |
| Memoranda: | ||
| Average total assets | $8,491,079,000 | 146 |
| Average earning assets | $7,466,889,500 | 152 |
| Average equity | $1,139,848,000 | 134 |
| Average total loans | $5,723,439,500 | 149 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 2,473 |
| Cost of funding earning assets | 0.2420% | 4,637 |
| Net interest margin | 3.9626% | 1,747 |
| Noninterest income to average assets | 1.7380% | 405 |
| Noninterest expense to average assets | 3.0540% | 2,166 |
| Loan and lease loss provision to assets | 0.2460% | 856 |
| Net operating income to assets | 1.2739% | 1,289 |
| Return on assets (ROA) | 1.3219% | 1,219 |
| Pretax return on assets | 1.9859% | 515 |
| Return on Equity (ROE) | 9.5931% | 2,147 |
| Retained earnings to average equity (ytd only) | 2.4119% | 4,152 |
| Net charge-offs to loans | 0.2791% | 987 |
| Credit loss provision to net charge-offs | 132.6173% | 2,037 |
| Earnings coverage of net charge-offs (x) | 11.6468% | 2,517 |
| Efficiency ratio | 57.2710% | 4,927 |
| Assets per employee ($millions) | 4.5035% | 3,111 |
| Cash dividends to net income (ytd only)* | 74.8577% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6579% | 5,433 |
| Loan loss allowance to noncurrent loans | 43.1783% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 1,284 |
| Noncurrent loans to loans | 1.5237% | 1,312 |
| Net loans and leases to total assets | 67.1325% | 2,908 |
| Net loans and leases to deposits | 82.3627% | 2,625 |
| Net loans and leases to core deposits | 86.6829% | 2,792 |
| Total domestic deposits to total assets | 81.5083% | 4,203 |
| Equity capital to assets | 13.5586% | 1,020 |
| Core capital (leverage) ratio | 9.9730% | 3,518 |
| Tier 1 risk-based capital ratio | 13.1741% | 3,961 |
| Total risk-based capital ratio | 13.8447% | 4,220 |
| Memoranda: | ||
| Average total assets | $8,157,495,600 | 144 |
| Average earning assets | $7,156,220,600 | 148 |
| Average equity | $1,124,123,000 | 133 |
| Average total loans | $5,420,805,800 | 150 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 1,738 |
| Cost of funding earning assets | 0.2543% | 4,564 |
| Net interest margin | 4.1826% | 1,171 |
| Noninterest income to average assets | 1.8454% | 392 |
| Noninterest expense to average assets | 3.2393% | 1,708 |
| Loan and lease loss provision to assets | 0.2767% | 629 |
| Net operating income to assets | 1.3146% | 1,252 |
| Return on assets (ROA) | 1.3655% | 1,204 |
| Pretax return on assets | 2.0562% | 506 |
| Return on Equity (ROE) | 9.7858% | 2,152 |
| Retained earnings to average equity (ytd only) | 2.3585% | 4,499 |
| Net charge-offs to loans | 0.3458% | 662 |
| Credit loss provision to net charge-offs | 120.7021% | 2,079 |
| Earnings coverage of net charge-offs (x) | 9.8393% | 2,646 |
| Efficiency ratio | 57.6472% | 4,867 |
| Assets per employee ($millions) | 4.1954% | 3,598 |
| Cash dividends to net income (ytd only)* | 75.8984% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 5,446 |
| Loan loss allowance to noncurrent loans | 41.4837% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4539% | 1,255 |
| Noncurrent loans to loans | 1.6588% | 1,284 |
| Net loans and leases to total assets | 65.9268% | 3,132 |
| Net loans and leases to deposits | 80.8617% | 2,871 |
| Net loans and leases to core deposits | 84.1899% | 3,106 |
| Total domestic deposits to total assets | 81.5303% | 4,100 |
| Equity capital to assets | 13.9455% | 1,058 |
| Core capital (leverage) ratio | 10.1254% | 3,407 |
| Tier 1 risk-based capital ratio | 13.6107% | 3,798 |
| Total risk-based capital ratio | 14.3144% | 4,031 |
| Memoranda: | ||
| Average total assets | $7,553,711,500 | 152 |
| Average earning assets | $6,591,339,250 | 156 |
| Average equity | $1,054,069,500 | 138 |
| Average total loans | $5,008,852,750 | 160 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,503 |
| Cost of funding earning assets | 0.2577% | 4,573 |
| Net interest margin | 4.2443% | 1,030 |
| Noninterest income to average assets | 1.7478% | 421 |
| Noninterest expense to average assets | 3.2798% | 1,634 |
| Loan and lease loss provision to assets | 0.1979% | 1,090 |
| Net operating income to assets | 1.2908% | 1,295 |
| Return on assets (ROA) | 1.3624% | 1,204 |
| Pretax return on assets | 2.0770% | 490 |
| Return on Equity (ROE) | 9.7614% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.5723% | 4,251 |
| Net charge-offs to loans | 0.2114% | 1,110 |
| Credit loss provision to net charge-offs | 141.2379% | 1,669 |
| Earnings coverage of net charge-offs (x) | 15.4616% | 1,989 |
| Efficiency ratio | 58.9020% | 4,784 |
| Assets per employee ($millions) | 4.0266% | 3,858 |
| Cash dividends to net income (ytd only)* | 73.6478% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 5,548 |
| Loan loss allowance to noncurrent loans | 38.4141% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.6008% | 1,155 |
| Noncurrent loans to loans | 1.7794% | 1,172 |
| Net loans and leases to total assets | 66.6690% | 2,987 |
| Net loans and leases to deposits | 81.6217% | 2,751 |
| Net loans and leases to core deposits | 84.2782% | 3,057 |
| Total domestic deposits to total assets | 81.6805% | 4,096 |
| Equity capital to assets | 14.1690% | 973 |
| Core capital (leverage) ratio | 10.0106% | 3,551 |
| Tier 1 risk-based capital ratio | 13.4685% | 3,930 |
| Total risk-based capital ratio | 14.1693% | 4,165 |
| Memoranda: | ||
| Average total assets | $7,518,020,330 | 153 |
| Average earning assets | $6,550,961,670 | 157 |
| Average equity | $1,049,315,330 | 138 |
| Average total loans | $4,983,302,000 | 161 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 1,200 |
| Cost of funding earning assets | 0.2541% | 4,658 |
| Net interest margin | 4.3710% | 791 |
| Noninterest income to average assets | 1.6290% | 446 |
| Noninterest expense to average assets | 3.2242% | 1,778 |
| Loan and lease loss provision to assets | 0.1502% | 1,412 |
| Net operating income to assets | 1.3585% | 1,120 |
| Return on assets (ROA) | 1.3701% | 1,160 |
| Pretax return on assets | 2.0721% | 492 |
| Return on Equity (ROE) | 9.8910% | 2,032 |
| Retained earnings to average equity (ytd only) | 2.8427% | 4,093 |
| Net charge-offs to loans | 0.1206% | 1,386 |
| Credit loss provision to net charge-offs | 189.0824% | 1,121 |
| Earnings coverage of net charge-offs (x) | 27.7636% | 1,235 |
| Efficiency ratio | 58.0662% | 4,990 |
| Assets per employee ($millions) | 3.9220% | 4,085 |
| Cash dividends to net income (ytd only)* | 71.2594% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 5,631 |
| Loan loss allowance to noncurrent loans | 38.8041% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.6999% | 1,139 |
| Noncurrent loans to loans | 1.7491% | 1,271 |
| Net loans and leases to total assets | 65.4648% | 3,034 |
| Net loans and leases to deposits | 79.7828% | 2,821 |
| Net loans and leases to core deposits | 82.6461% | 3,073 |
| Total domestic deposits to total assets | 82.0538% | 4,206 |
| Equity capital to assets | 14.0707% | 952 |
| Core capital (leverage) ratio | 9.9344% | 3,620 |
| Tier 1 risk-based capital ratio | 13.4104% | 4,039 |
| Total risk-based capital ratio | 14.0990% | 4,265 |
| Memoranda: | ||
| Average total assets | $7,520,206,000 | 153 |
| Average earning assets | $6,537,867,000 | 156 |
| Average equity | $1,041,669,000 | 139 |
| Average total loans | $4,953,076,000 | 158 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,592 |
| Cost of funding earning assets | 0.2798% | 4,484 |
| Net interest margin | 4.2218% | 1,122 |
| Noninterest income to average assets | 1.3249% | 685 |
| Noninterest expense to average assets | 3.2272% | 1,896 |
| Loan and lease loss provision to assets | 0.1185% | 2,007 |
| Net operating income to assets | 1.1471% | 1,744 |
| Return on assets (ROA) | 1.1498% | 1,803 |
| Pretax return on assets | 1.6905% | 1,022 |
| Return on Equity (ROE) | 8.8453% | 2,529 |
| Retained earnings to average equity (ytd only) | 0.3424% | 5,377 |
| Net charge-offs to loans | 0.1207% | 2,171 |
| Credit loss provision to net charge-offs | 155.3375% | 1,719 |
| Earnings coverage of net charge-offs (x) | 23.6548% | 1,720 |
| Efficiency ratio | 62.9908% | 4,443 |
| Assets per employee ($millions) | 3.8881% | 4,138 |
| Cash dividends to net income (ytd only)* | 96.1287% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 5,721 |
| Loan loss allowance to noncurrent loans | 43.9931% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 1.5734% | 1,259 |
| Noncurrent loans to loans | 1.4833% | 1,564 |
| Net loans and leases to total assets | 65.4394% | 3,060 |
| Net loans and leases to deposits | 79.2498% | 2,912 |
| Net loans and leases to core deposits | 81.8758% | 3,165 |
| Total domestic deposits to total assets | 82.5737% | 3,989 |
| Equity capital to assets | 13.5843% | 1,097 |
| Core capital (leverage) ratio | 9.7313% | 3,864 |
| Tier 1 risk-based capital ratio | 13.8890% | 3,776 |
| Total risk-based capital ratio | 14.5857% | 4,033 |
| Memoranda: | ||
| Average total assets | $7,611,382,800 | 138 |
| Average earning assets | $6,683,871,600 | 141 |
| Average equity | $989,401,400 | 137 |
| Average total loans | $4,812,530,200 | 154 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 1,920 |
| Cost of funding earning assets | 0.2802% | 4,556 |
| Net interest margin | 4.1189% | 1,359 |
| Noninterest income to average assets | 1.2508% | 774 |
| Noninterest expense to average assets | 3.1956% | 1,979 |
| Loan and lease loss provision to assets | 0.1011% | 2,160 |
| Net operating income to assets | 1.0429% | 2,257 |
| Return on assets (ROA) | 1.0429% | 2,348 |
| Pretax return on assets | 1.5768% | 1,454 |
| Return on Equity (ROE) | 8.1127% | 3,015 |
| Retained earnings to average equity (ytd only) | -1.9569% | 5,850 |
| Net charge-offs to loans | 0.1001% | 2,147 |
| Credit loss provision to net charge-offs | 161.4270% | 1,591 |
| Earnings coverage of net charge-offs (x) | 26.7801% | 1,602 |
| Efficiency ratio | 64.4116% | 4,171 |
| Assets per employee ($millions) | 3.8505% | 4,177 |
| Cash dividends to net income (ytd only)* | 124.1218% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 5,831 |
| Loan loss allowance to noncurrent loans | 41.8937% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 1,350 |
| Noncurrent loans to loans | 1.5359% | 1,628 |
| Net loans and leases to total assets | 64.3718% | 3,244 |
| Net loans and leases to deposits | 78.3328% | 3,065 |
| Net loans and leases to core deposits | 80.9440% | 3,347 |
| Total domestic deposits to total assets | 82.1773% | 4,110 |
| Equity capital to assets | 13.4200% | 1,270 |
| Core capital (leverage) ratio | 9.4031% | 4,439 |
| Tier 1 risk-based capital ratio | 13.6962% | 4,025 |
| Total risk-based capital ratio | 14.3824% | 4,280 |
| Memoranda: | ||
| Average total assets | $7,635,289,500 | 142 |
| Average earning assets | $6,715,501,000 | 142 |
| Average equity | $981,511,250 | 141 |
| Average total loans | $4,778,019,250 | 156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,111 |
| Cost of funding earning assets | 0.2478% | 4,966 |
| Net interest margin | 4.0718% | 1,436 |
| Noninterest income to average assets | 1.3262% | 696 |
| Noninterest expense to average assets | 3.4592% | 1,367 |
| Loan and lease loss provision to assets | 0.0656% | 2,807 |
| Net operating income to assets | 0.9229% | 2,768 |
| Return on assets (ROA) | 0.9219% | 2,900 |
| Pretax return on assets | 1.3714% | 2,105 |
| Return on Equity (ROE) | 7.4690% | 3,339 |
| Retained earnings to average equity (ytd only) | 1.5237% | 4,939 |
| Net charge-offs to loans | 0.1135% | 1,871 |
| Credit loss provision to net charge-offs | 92.0666% | 2,173 |
| Earnings coverage of net charge-offs (x) | 20.1846% | 1,716 |
| Efficiency ratio | 69.4970% | 3,416 |
| Assets per employee ($millions) | 3.6581% | 4,521 |
| Cash dividends to net income (ytd only)* | 79.6003% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,608 |
| Loan loss allowance to noncurrent loans | 42.0604% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 953 |
| Noncurrent loans to loans | 1.8943% | 1,314 |
| Net loans and leases to total assets | 64.7651% | 3,154 |
| Net loans and leases to deposits | 78.5614% | 2,964 |
| Net loans and leases to core deposits | 80.6361% | 3,315 |
| Total domestic deposits to total assets | 82.4388% | 4,140 |
| Equity capital to assets | 12.9373% | 1,436 |
| Core capital (leverage) ratio | 9.1492% | 4,750 |
| Tier 1 risk-based capital ratio | 13.3680% | 4,298 |
| Total risk-based capital ratio | 14.2072% | 4,455 |
| Memoranda: | ||
| Average total assets | $5,730,815,000 | 177 |
| Average earning assets | $5,026,623,000 | 181 |
| Average equity | $707,378,000 | 173 |
| Average total loans | $3,599,803,330 | 192 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 1,334 |
| Cost of funding earning assets | 0.2698% | 4,789 |
| Net interest margin | 4.2810% | 918 |
| Noninterest income to average assets | 1.3955% | 598 |
| Noninterest expense to average assets | 4.0837% | 631 |
| Loan and lease loss provision to assets | 0.0180% | 3,486 |
| Net operating income to assets | 0.7493% | 3,539 |
| Return on assets (ROA) | 0.7469% | 3,688 |
| Pretax return on assets | 1.0626% | 3,251 |
| Return on Equity (ROE) | 6.6374% | 3,690 |
| Retained earnings to average equity (ytd only) | -0.2574% | 5,425 |
| Net charge-offs to loans | 0.1436% | 1,383 |
| Credit loss provision to net charge-offs | 21.1968% | 2,352 |
| Earnings coverage of net charge-offs (x) | 12.7525% | 1,772 |
| Efficiency ratio | 78.1048% | 2,173 |
| Assets per employee ($millions) | 3.5113% | 4,880 |
| Cash dividends to net income (ytd only)* | 103.8786% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 4,669 |
| Loan loss allowance to noncurrent loans | 47.1901% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.5182% | 853 |
| Noncurrent loans to loans | 2.2636% | 1,102 |
| Net loans and leases to total assets | 58.2258% | 3,913 |
| Net loans and leases to deposits | 69.3242% | 3,823 |
| Net loans and leases to core deposits | 71.5071% | 4,012 |
| Total domestic deposits to total assets | 83.9906% | 3,820 |
| Equity capital to assets | 11.2473% | 2,701 |
| Core capital (leverage) ratio | 9.1081% | 4,837 |
| Tier 1 risk-based capital ratio | 13.7581% | 4,180 |
| Total risk-based capital ratio | 14.7976% | 4,214 |
| Memoranda: | ||
| Average total assets | $4,639,521,000 | 212 |
| Average earning assets | $4,088,224,500 | 207 |
| Average equity | $522,069,500 | 204 |
| Average total loans | $2,746,459,000 | 225 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 1,126 |
| Cost of funding earning assets | 0.3062% | 4,731 |
| Net interest margin | 4.4878% | 766 |
| Noninterest income to average assets | 1.4568% | 574 |
| Noninterest expense to average assets | 3.7075% | 1,134 |
| Loan and lease loss provision to assets | 0.1638% | 1,603 |
| Net operating income to assets | 1.0272% | 2,276 |
| Return on assets (ROA) | 1.0272% | 2,347 |
| Pretax return on assets | 1.5003% | 1,542 |
| Return on Equity (ROE) | 9.7797% | 2,205 |
| Retained earnings to average equity (ytd only) | 0.3820% | 5,606 |
| Net charge-offs to loans | 0.2264% | 1,860 |
| Credit loss provision to net charge-offs | 128.6171% | 1,859 |
| Earnings coverage of net charge-offs (x) | 13.0691% | 2,310 |
| Efficiency ratio | 68.3649% | 3,831 |
| Assets per employee ($millions) | 3.9569% | 4,050 |
| Cash dividends to net income (ytd only)* | 96.0938% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,608 |
| Loan loss allowance to noncurrent loans | 43.0164% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 2.7268% | 806 |
| Noncurrent loans to loans | 2.5264% | 1,006 |
| Net loans and leases to total assets | 58.8934% | 3,932 |
| Net loans and leases to deposits | 70.3475% | 3,862 |
| Net loans and leases to core deposits | 72.6697% | 4,062 |
| Total domestic deposits to total assets | 83.7179% | 3,831 |
| Equity capital to assets | 11.2580% | 2,642 |
| Core capital (leverage) ratio | 8.8611% | 5,167 |
| Tier 1 risk-based capital ratio | 13.5760% | 4,366 |
| Total risk-based capital ratio | 14.4827% | 4,493 |
| Memoranda: | ||
| Average total assets | $4,423,941,400 | 205 |
| Average earning assets | $3,858,976,400 | 207 |
| Average equity | $464,648,400 | 214 |
| Average total loans | $2,487,561,600 | 231 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,416 |
| Cost of funding earning assets | 0.3029% | 4,865 |
| Net interest margin | 4.3537% | 950 |
| Noninterest income to average assets | 1.2655% | 756 |
| Noninterest expense to average assets | 3.6837% | 1,144 |
| Loan and lease loss provision to assets | 0.1108% | 2,195 |
| Net operating income to assets | 0.8739% | 3,054 |
| Return on assets (ROA) | 0.8772% | 3,132 |
| Pretax return on assets | 1.2643% | 2,520 |
| Return on Equity (ROE) | 8.5140% | 2,941 |
| Retained earnings to average equity (ytd only) | -0.7297% | 5,920 |
| Net charge-offs to loans | 0.2254% | 1,692 |
| Credit loss provision to net charge-offs | 88.8509% | 2,453 |
| Earnings coverage of net charge-offs (x) | 10.9853% | 2,481 |
| Efficiency ratio | 72.2220% | 3,140 |
| Assets per employee ($millions) | 3.6277% | 4,617 |
| Cash dividends to net income (ytd only)* | 108.5706% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,780 |
| Loan loss allowance to noncurrent loans | 34.0902% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.3751% | 642 |
| Noncurrent loans to loans | 3.2056% | 790 |
| Net loans and leases to total assets | 57.5151% | 4,134 |
| Net loans and leases to deposits | 68.2121% | 4,103 |
| Net loans and leases to core deposits | 70.4935% | 4,282 |
| Total domestic deposits to total assets | 84.3179% | 3,636 |
| Equity capital to assets | 10.5890% | 3,447 |
| Core capital (leverage) ratio | 8.9035% | 5,191 |
| Tier 1 risk-based capital ratio | 13.7704% | 4,374 |
| Total risk-based capital ratio | 14.7289% | 4,496 |
| Memoranda: | ||
| Average total assets | $4,371,532,250 | 203 |
| Average earning assets | $3,804,111,500 | 206 |
| Average equity | $450,398,500 | 217 |
| Average total loans | $2,419,738,750 | 231 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 926 |
| Cost of funding earning assets | 0.3214% | 4,742 |
| Net interest margin | 4.5686% | 616 |
| Noninterest income to average assets | 1.1563% | 874 |
| Noninterest expense to average assets | 3.8638% | 893 |
| Loan and lease loss provision to assets | 0.1144% | 2,124 |
| Net operating income to assets | 0.7904% | 3,378 |
| Return on assets (ROA) | 0.7911% | 3,474 |
| Pretax return on assets | 1.1378% | 2,938 |
| Return on Equity (ROE) | 7.7420% | 3,239 |
| Retained earnings to average equity (ytd only) | -2.6515% | 6,066 |
| Net charge-offs to loans | 0.2062% | 1,788 |
| Credit loss provision to net charge-offs | 99.5881% | 2,030 |
| Earnings coverage of net charge-offs (x) | 10.8897% | 2,201 |
| Efficiency ratio | 74.7790% | 2,844 |
| Assets per employee ($millions) | 3.5514% | 4,754 |
| Cash dividends to net income (ytd only)* | 134.2483% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 5,023 |
| Loan loss allowance to noncurrent loans | 26.9180% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 4.1144% | 502 |
| Noncurrent loans to loans | 3.9748% | 601 |
| Net loans and leases to total assets | 56.0661% | 4,273 |
| Net loans and leases to deposits | 66.4722% | 4,226 |
| Net loans and leases to core deposits | 68.8484% | 4,384 |
| Total domestic deposits to total assets | 84.3452% | 3,801 |
| Equity capital to assets | 10.3096% | 3,678 |
| Core capital (leverage) ratio | 8.5915% | 5,537 |
| Tier 1 risk-based capital ratio | 13.8248% | 4,375 |
| Total risk-based capital ratio | 14.7519% | 4,523 |
| Memoranda: | ||
| Average total assets | $3,803,592,000 | 221 |
| Average earning assets | $3,295,793,670 | 224 |
| Average equity | $388,685,330 | 233 |
| Average total loans | $2,119,639,670 | 251 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 528 |
| Cost of funding earning assets | 0.3052% | 5,012 |
| Net interest margin | 4.8508% | 352 |
| Noninterest income to average assets | 0.8331% | 1,629 |
| Noninterest expense to average assets | 4.4946% | 460 |
| Loan and lease loss provision to assets | 0.0799% | 2,546 |
| Net operating income to assets | 0.3497% | 5,313 |
| Return on assets (ROA) | 0.3497% | 5,372 |
| Pretax return on assets | 0.4147% | 5,411 |
| Return on Equity (ROE) | 3.5617% | 5,239 |
| Retained earnings to average equity (ytd only) | -1.6971% | 5,823 |
| Net charge-offs to loans | 0.3135% | 1,131 |
| Credit loss provision to net charge-offs | 48.6507% | 2,218 |
| Earnings coverage of net charge-offs (x) | 3.0116% | 2,746 |
| Efficiency ratio | 89.1731% | 1,108 |
| Assets per employee ($millions) | 3.3123% | 5,326 |
| Cash dividends to net income (ytd only)* | 147.6466% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 5,603 |
| Loan loss allowance to noncurrent loans | 18.3471% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 5.1698% | 381 |
| Noncurrent loans to loans | 5.3323% | 389 |
| Net loans and leases to total assets | 51.6586% | 4,713 |
| Net loans and leases to deposits | 60.3987% | 4,723 |
| Net loans and leases to core deposits | 62.3018% | 4,846 |
| Total domestic deposits to total assets | 85.5293% | 3,596 |
| Equity capital to assets | 9.8340% | 4,056 |
| Core capital (leverage) ratio | 8.3745% | 5,778 |
| Tier 1 risk-based capital ratio | 13.8176% | 4,453 |
| Total risk-based capital ratio | 14.5861% | 4,733 |
| Memoranda: | ||
| Average total assets | $3,158,978,000 | 253 |
| Average earning assets | $2,706,630,500 | 262 |
| Average equity | $310,185,000 | 277 |
| Average total loans | $1,654,628,500 | 298 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,501 |
| Cost of funding earning assets | 0.3452% | 5,196 |
| Net interest margin | 4.3812% | 941 |
| Noninterest income to average assets | 1.1239% | 1,115 |
| Noninterest expense to average assets | 3.8578% | 1,045 |
| Loan and lease loss provision to assets | 0.1225% | 2,783 |
| Net operating income to assets | 0.6281% | 4,121 |
| Return on assets (ROA) | 0.6238% | 4,264 |
| Pretax return on assets | 0.8951% | 3,782 |
| Return on Equity (ROE) | 6.2490% | 3,944 |
| Retained earnings to average equity (ytd only) | 1.0964% | 5,347 |
| Net charge-offs to loans | 0.3254% | 2,054 |
| Credit loss provision to net charge-offs | 72.6725% | 3,235 |
| Earnings coverage of net charge-offs (x) | 6.0755% | 3,136 |
| Efficiency ratio | 78.6203% | 2,371 |
| Assets per employee ($millions) | 4.2580% | 3,342 |
| Cash dividends to net income (ytd only)* | 82.4549% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 5,536 |
| Loan loss allowance to noncurrent loans | 19.2839% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 5.4163% | 405 |
| Noncurrent loans to loans | 5.2120% | 458 |
| Net loans and leases to total assets | 52.0585% | 4,840 |
| Net loans and leases to deposits | 60.9857% | 4,834 |
| Net loans and leases to core deposits | 63.0653% | 4,965 |
| Total domestic deposits to total assets | 85.3617% | 3,570 |
| Equity capital to assets | 9.8044% | 4,036 |
| Core capital (leverage) ratio | 10.0997% | 3,434 |
| Tier 1 risk-based capital ratio | 14.0730% | 4,252 |
| Total risk-based capital ratio | 14.8617% | 4,522 |
| Memoranda: | ||
| Average total assets | $2,460,488,200 | 297 |
| Average earning assets | $2,110,254,600 | 309 |
| Average equity | $245,622,000 | 324 |
| Average total loans | $1,274,291,000 | 351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,688 |
| Cost of funding earning assets | 0.3603% | 5,193 |
| Net interest margin | 4.3073% | 1,079 |
| Noninterest income to average assets | 1.4246% | 726 |
| Noninterest expense to average assets | 3.8863% | 982 |
| Loan and lease loss provision to assets | 0.1307% | 2,651 |
| Net operating income to assets | 0.7771% | 3,476 |
| Return on assets (ROA) | 0.7685% | 3,643 |
| Pretax return on assets | 1.1351% | 2,965 |
| Return on Equity (ROE) | 8.1640% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.8380% | 5,220 |
| Net charge-offs to loans | 0.3191% | 1,943 |
| Credit loss provision to net charge-offs | 80.1123% | 2,845 |
| Earnings coverage of net charge-offs (x) | 7.8340% | 2,721 |
| Efficiency ratio | 74.8619% | 2,933 |
| Assets per employee ($millions) | 2.9919% | 5,862 |
| Cash dividends to net income (ytd only)* | 77.4864% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,291 |
| Loan loss allowance to noncurrent loans | 25.3690% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 4.6114% | 639 |
| Noncurrent loans to loans | 5.2006% | 555 |
| Net loans and leases to total assets | 52.4612% | 4,821 |
| Net loans and leases to deposits | 61.5106% | 4,816 |
| Net loans and leases to core deposits | 62.9549% | 5,016 |
| Total domestic deposits to total assets | 85.2881% | 3,587 |
| Equity capital to assets | 9.6706% | 4,334 |
| Core capital (leverage) ratio | 8.7926% | 5,425 |
| Tier 1 risk-based capital ratio | 15.5838% | 3,420 |
| Total risk-based capital ratio | 16.5726% | 3,509 |
| Memoranda: | ||
| Average total assets | $2,037,520,750 | 350 |
| Average earning assets | $1,769,276,000 | 359 |
| Average equity | $191,797,250 | 400 |
| Average total loans | $1,041,914,750 | 417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 1,990 |
| Cost of funding earning assets | 0.3653% | 5,260 |
| Net interest margin | 4.1950% | 1,288 |
| Noninterest income to average assets | 1.4797% | 723 |
| Noninterest expense to average assets | 3.8925% | 989 |
| Loan and lease loss provision to assets | 0.1261% | 2,746 |
| Net operating income to assets | 0.7356% | 3,634 |
| Return on assets (ROA) | 0.7230% | 3,871 |
| Pretax return on assets | 1.0768% | 3,188 |
| Return on Equity (ROE) | 7.7486% | 3,214 |
| Retained earnings to average equity (ytd only) | 1.8612% | 5,085 |
| Net charge-offs to loans | 0.3421% | 1,814 |
| Credit loss provision to net charge-offs | 73.0400% | 2,761 |
| Earnings coverage of net charge-offs (x) | 7.0750% | 2,602 |
| Efficiency ratio | 75.7265% | 2,823 |
| Assets per employee ($millions) | 2.9478% | 5,936 |
| Cash dividends to net income (ytd only)* | 75.9801% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 4,115 |
| Loan loss allowance to noncurrent loans | 25.0085% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 4.7988% | 656 |
| Noncurrent loans to loans | 5.5307% | 552 |
| Net loans and leases to total assets | 49.9944% | 5,112 |
| Net loans and leases to deposits | 59.0818% | 5,062 |
| Net loans and leases to core deposits | 60.4660% | 5,225 |
| Total domestic deposits to total assets | 84.6191% | 4,076 |
| Equity capital to assets | 9.6188% | 4,426 |
| Core capital (leverage) ratio | 8.6083% | 5,546 |
| Tier 1 risk-based capital ratio | 16.6058% | 2,887 |
| Total risk-based capital ratio | 17.5763% | 2,984 |
| Memoranda: | ||
| Average total assets | $2,053,500,000 | 346 |
| Average earning assets | $1,779,125,670 | 358 |
| Average equity | $191,595,000 | 400 |
| Average total loans | $1,036,648,330 | 416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,878 |
| Cost of funding earning assets | 0.3681% | 5,390 |
| Net interest margin | 4.2167% | 1,148 |
| Noninterest income to average assets | 1.4126% | 767 |
| Noninterest expense to average assets | 3.9223% | 970 |
| Loan and lease loss provision to assets | 0.1146% | 2,799 |
| Net operating income to assets | 0.6870% | 3,750 |
| Return on assets (ROA) | 0.6872% | 3,898 |
| Pretax return on assets | 1.0256% | 3,241 |
| Return on Equity (ROE) | 7.4757% | 3,227 |
| Retained earnings to average equity (ytd only) | 1.9921% | 5,005 |
| Net charge-offs to loans | 0.3551% | 1,579 |
| Credit loss provision to net charge-offs | 64.0558% | 2,373 |
| Earnings coverage of net charge-offs (x) | 6.3723% | 2,228 |
| Efficiency ratio | 77.0978% | 2,740 |
| Assets per employee ($millions) | 3.1321% | 5,765 |
| Cash dividends to net income (ytd only)* | 73.3520% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,327 |
| Loan loss allowance to noncurrent loans | 20.5821% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 5.4599% | 634 |
| Noncurrent loans to loans | 6.7136% | 462 |
| Net loans and leases to total assets | 48.2975% | 5,196 |
| Net loans and leases to deposits | 57.7121% | 5,074 |
| Net loans and leases to core deposits | 59.0388% | 5,245 |
| Total domestic deposits to total assets | 83.6869% | 4,598 |
| Equity capital to assets | 9.2035% | 5,248 |
| Core capital (leverage) ratio | 8.2986% | 5,829 |
| Tier 1 risk-based capital ratio | 16.9263% | 2,786 |
| Total risk-based capital ratio | 17.8934% | 2,898 |
| Memoranda: | ||
| Average total assets | $2,083,887,000 | 345 |
| Average earning assets | $1,803,689,000 | 357 |
| Average equity | $191,554,500 | 404 |
| Average total loans | $1,049,860,000 | 411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 3,586 |
| Cost of funding earning assets | 0.4338% | 5,692 |
| Net interest margin | 4.0221% | 2,307 |
| Noninterest income to average assets | 1.7509% | 533 |
| Noninterest expense to average assets | 3.8312% | 1,202 |
| Loan and lease loss provision to assets | 0.0988% | 4,407 |
| Net operating income to assets | 0.9046% | 2,789 |
| Return on assets (ROA) | 0.9046% | 3,033 |
| Pretax return on assets | 1.3633% | 2,162 |
| Return on Equity (ROE) | 9.1337% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.7840% | 4,286 |
| Net charge-offs to loans | 0.3788% | 2,737 |
| Credit loss provision to net charge-offs | 52.1162% | 4,642 |
| Earnings coverage of net charge-offs (x) | 7.7095% | 2,546 |
| Efficiency ratio | 72.1771% | 3,383 |
| Assets per employee ($millions) | 3.3687% | 5,288 |
| Cash dividends to net income (ytd only)* | 69.5198% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,454 |
| Loan loss allowance to noncurrent loans | 20.1627% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 5.7231% | 636 |
| Noncurrent loans to loans | 6.6477% | 492 |
| Net loans and leases to total assets | 51.0942% | 5,023 |
| Net loans and leases to deposits | 60.8743% | 4,929 |
| Net loans and leases to core deposits | 62.3678% | 5,118 |
| Total domestic deposits to total assets | 83.9340% | 4,343 |
| Equity capital to assets | 9.1808% | 5,292 |
| Core capital (leverage) ratio | 8.3196% | 5,868 |
| Tier 1 risk-based capital ratio | 16.2751% | 3,010 |
| Total risk-based capital ratio | 17.2465% | 3,118 |
| Memoranda: | ||
| Average total assets | $1,906,166,800 | 373 |
| Average earning assets | $1,678,792,800 | 374 |
| Average equity | $188,794,600 | 393 |
| Average total loans | $954,455,200 | 437 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 4,206 |
| Cost of funding earning assets | 0.4302% | 5,933 |
| Net interest margin | 3.9300% | 2,802 |
| Noninterest income to average assets | 1.5959% | 584 |
| Noninterest expense to average assets | 3.7579% | 1,279 |
| Loan and lease loss provision to assets | 0.0638% | 4,913 |
| Net operating income to assets | 0.8420% | 3,248 |
| Return on assets (ROA) | 0.8420% | 3,499 |
| Pretax return on assets | 1.2553% | 2,768 |
| Return on Equity (ROE) | 8.3316% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.6544% | 4,972 |
| Net charge-offs to loans | 0.3976% | 2,505 |
| Credit loss provision to net charge-offs | 32.3529% | 4,763 |
| Earnings coverage of net charge-offs (x) | 6.6899% | 2,740 |
| Efficiency ratio | 73.8591% | 3,009 |
| Assets per employee ($millions) | 3.1627% | 5,708 |
| Cash dividends to net income (ytd only)* | 68.1405% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,314 |
| Loan loss allowance to noncurrent loans | 29.4745% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 4.5374% | 1,015 |
| Noncurrent loans to loans | 4.7986% | 961 |
| Net loans and leases to total assets | 50.4117% | 5,262 |
| Net loans and leases to deposits | 59.3436% | 5,278 |
| Net loans and leases to core deposits | 60.8939% | 5,462 |
| Total domestic deposits to total assets | 84.9489% | 3,767 |
| Equity capital to assets | 9.5864% | 5,089 |
| Core capital (leverage) ratio | 9.5131% | 4,248 |
| Tier 1 risk-based capital ratio | 16.7842% | 2,852 |
| Total risk-based capital ratio | 17.7472% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,862,251,500 | 378 |
| Average earning assets | $1,649,511,250 | 378 |
| Average equity | $188,211,250 | 393 |
| Average total loans | $923,532,750 | 448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 4,060 |
| Cost of funding earning assets | 0.4470% | 5,989 |
| Net interest margin | 3.9831% | 2,577 |
| Noninterest income to average assets | 1.5477% | 612 |
| Noninterest expense to average assets | 3.8213% | 1,180 |
| Loan and lease loss provision to assets | 0.0212% | 5,399 |
| Net operating income to assets | 0.8424% | 3,183 |
| Return on assets (ROA) | 0.8424% | 3,448 |
| Pretax return on assets | 1.2521% | 2,720 |
| Return on Equity (ROE) | 8.1829% | 3,171 |
| Retained earnings to average equity (ytd only) | 3.0818% | 4,592 |
| Net charge-offs to loans | 0.4394% | 2,284 |
| Credit loss provision to net charge-offs | 9.8269% | 4,742 |
| Earnings coverage of net charge-offs (x) | 5.9094% | 2,731 |
| Efficiency ratio | 74.8439% | 2,928 |
| Assets per employee ($millions) | 2.8658% | 6,290 |
| Cash dividends to net income (ytd only)* | 62.3388% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 3,490 |
| Loan loss allowance to noncurrent loans | 72.9265% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 2.2158% | 2,526 |
| Noncurrent loans to loans | 2.2385% | 2,686 |
| Net loans and leases to total assets | 48.4054% | 5,573 |
| Net loans and leases to deposits | 58.1423% | 5,430 |
| Net loans and leases to core deposits | 59.6428% | 5,627 |
| Total domestic deposits to total assets | 83.2534% | 4,650 |
| Equity capital to assets | 10.5275% | 3,655 |
| Core capital (leverage) ratio | 9.6894% | 3,852 |
| Tier 1 risk-based capital ratio | 18.8971% | 1,993 |
| Total risk-based capital ratio | 19.8298% | 2,070 |
| Memoranda: | ||
| Average total assets | $1,823,055,670 | 383 |
| Average earning assets | $1,623,342,330 | 380 |
| Average equity | $187,683,000 | 392 |
| Average total loans | $893,913,670 | 462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 3,855 |
| Cost of funding earning assets | 0.4619% | 6,070 |
| Net interest margin | 4.0521% | 2,294 |
| Noninterest income to average assets | 1.4441% | 692 |
| Noninterest expense to average assets | 3.8178% | 1,189 |
| Loan and lease loss provision to assets | -0.0057% | 7,094 |
| Net operating income to assets | 0.8298% | 3,255 |
| Return on assets (ROA) | 0.8298% | 3,483 |
| Pretax return on assets | 1.2318% | 2,801 |
| Return on Equity (ROE) | 8.1499% | 3,214 |
| Retained earnings to average equity (ytd only) | 5.1568% | 3,468 |
| Net charge-offs to loans | 0.5319% | 1,760 |
| Credit loss provision to net charge-offs | -2.1739% | 5,331 |
| Earnings coverage of net charge-offs (x) | 4.7099% | 2,514 |
| Efficiency ratio | 75.5265% | 2,850 |
| Assets per employee ($millions) | 2.9067% | 6,337 |
| Cash dividends to net income (ytd only)* | 36.7261% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 3,318 |
| Loan loss allowance to noncurrent loans | 54.8287% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.6169% | 2,260 |
| Noncurrent loans to loans | 3.1159% | 2,054 |
| Net loans and leases to total assets | 47.1506% | 5,661 |
| Net loans and leases to deposits | 57.7263% | 5,413 |
| Net loans and leases to core deposits | 59.2073% | 5,609 |
| Total domestic deposits to total assets | 81.6796% | 5,400 |
| Equity capital to assets | 10.3154% | 3,714 |
| Core capital (leverage) ratio | 9.5701% | 3,956 |
| Tier 1 risk-based capital ratio | 19.4348% | 1,858 |
| Total risk-based capital ratio | 20.3604% | 1,927 |
| Memoranda: | ||
| Average total assets | $1,837,596,500 | 378 |
| Average earning assets | $1,632,533,000 | 378 |
| Average equity | $187,094,000 | 385 |
| Average total loans | $899,474,500 | 459 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 5,922 |
| Cost of funding earning assets | 0.5645% | 6,267 |
| Net interest margin | 3.6836% | 4,371 |
| Noninterest income to average assets | 2.2113% | 326 |
| Noninterest expense to average assets | 4.0971% | 912 |
| Loan and lease loss provision to assets | 0.4238% | 2,472 |
| Net operating income to assets | 0.6575% | 3,703 |
| Return on assets (ROA) | 0.6575% | 3,893 |
| Pretax return on assets | 0.9436% | 3,453 |
| Return on Equity (ROE) | 6.7604% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.4470% | 3,771 |
| Net charge-offs to loans | 0.5800% | 2,709 |
| Credit loss provision to net charge-offs | 140.0810% | 2,108 |
| Earnings coverage of net charge-offs (x) | 4.5200% | 3,083 |
| Efficiency ratio | 74.2594% | 3,180 |
| Assets per employee ($millions) | 2.9549% | 6,188 |
| Cash dividends to net income (ytd only)* | 49.0120% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 3,015 |
| Loan loss allowance to noncurrent loans | 52.5475% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.7278% | 2,228 |
| Noncurrent loans to loans | 3.3354% | 1,941 |
| Net loans and leases to total assets | 49.0391% | 5,709 |
| Net loans and leases to deposits | 59.9553% | 5,485 |
| Net loans and leases to core deposits | 61.7571% | 5,683 |
| Total domestic deposits to total assets | 81.7927% | 5,193 |
| Equity capital to assets | 10.0492% | 4,112 |
| Core capital (leverage) ratio | 9.1507% | 4,548 |
| Tier 1 risk-based capital ratio | 18.4978% | 2,046 |
| Total risk-based capital ratio | 19.4370% | 2,106 |
| Memoranda: | ||
| Average total assets | $1,877,973,200 | 364 |
| Average earning assets | $1,658,511,600 | 363 |
| Average equity | $182,651,200 | 385 |
| Average total loans | $979,558,000 | 429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 6,114 |
| Cost of funding earning assets | 0.5818% | 6,368 |
| Net interest margin | 3.6562% | 4,544 |
| Noninterest income to average assets | 2.1984% | 325 |
| Noninterest expense to average assets | 4.0339% | 968 |
| Loan and lease loss provision to assets | 0.4291% | 2,325 |
| Net operating income to assets | 0.6669% | 3,788 |
| Return on assets (ROA) | 0.6669% | 3,961 |
| Pretax return on assets | 0.9606% | 3,553 |
| Return on Equity (ROE) | 6.9135% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.7658% | 4,061 |
| Net charge-offs to loans | 0.5795% | 2,513 |
| Credit loss provision to net charge-offs | 140.4723% | 2,264 |
| Earnings coverage of net charge-offs (x) | 4.5492% | 3,029 |
| Efficiency ratio | 73.6473% | 3,250 |
| Assets per employee ($millions) | 2.9952% | 6,127 |
| Cash dividends to net income (ytd only)* | 45.5298% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,493 |
| Loan loss allowance to noncurrent loans | 50.3458% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.8823% | 2,248 |
| Noncurrent loans to loans | 3.2532% | 2,133 |
| Net loans and leases to total assets | 50.9506% | 5,588 |
| Net loans and leases to deposits | 61.7479% | 5,436 |
| Net loans and leases to core deposits | 63.8098% | 5,636 |
| Total domestic deposits to total assets | 82.5139% | 4,872 |
| Equity capital to assets | 10.0157% | 4,322 |
| Core capital (leverage) ratio | 9.2370% | 4,561 |
| Tier 1 risk-based capital ratio | 17.8187% | 2,323 |
| Total risk-based capital ratio | 18.7686% | 2,409 |
| Memoranda: | ||
| Average total assets | $1,885,026,000 | 366 |
| Average earning assets | $1,662,801,000 | 365 |
| Average equity | $181,842,250 | 392 |
| Average total loans | $993,625,500 | 428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 6,189 |
| Cost of funding earning assets | 0.6001% | 6,467 |
| Net interest margin | 3.6411% | 4,556 |
| Noninterest income to average assets | 2.1643% | 326 |
| Noninterest expense to average assets | 4.0539% | 969 |
| Loan and lease loss provision to assets | 0.4401% | 2,235 |
| Net operating income to assets | 0.6192% | 3,962 |
| Return on assets (ROA) | 0.6192% | 4,093 |
| Pretax return on assets | 0.8814% | 3,703 |
| Return on Equity (ROE) | 6.4990% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.1583% | 4,262 |
| Net charge-offs to loans | 0.6444% | 2,233 |
| Credit loss provision to net charge-offs | 128.8402% | 2,371 |
| Earnings coverage of net charge-offs (x) | 3.8689% | 3,029 |
| Efficiency ratio | 74.6874% | 3,243 |
| Assets per employee ($millions) | 2.9540% | 6,183 |
| Cash dividends to net income (ytd only)* | 51.4038% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 4,071 |
| Loan loss allowance to noncurrent loans | 36.9844% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 3.3468% | 1,971 |
| Noncurrent loans to loans | 4.0896% | 1,685 |
| Net loans and leases to total assets | 52.6756% | 5,477 |
| Net loans and leases to deposits | 63.8122% | 5,298 |
| Net loans and leases to core deposits | 65.9196% | 5,525 |
| Total domestic deposits to total assets | 82.5479% | 4,972 |
| Equity capital to assets | 9.9499% | 4,222 |
| Core capital (leverage) ratio | 8.8700% | 4,930 |
| Tier 1 risk-based capital ratio | 18.0705% | 2,153 |
| Total risk-based capital ratio | 19.0168% | 2,207 |
| Memoranda: | ||
| Average total assets | $1,898,361,670 | 369 |
| Average earning assets | $1,674,146,330 | 368 |
| Average equity | $180,859,000 | 396 |
| Average total loans | $1,006,266,670 | 430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 6,339 |
| Cost of funding earning assets | 0.6182% | 6,531 |
| Net interest margin | 3.5550% | 4,789 |
| Noninterest income to average assets | 1.9491% | 365 |
| Noninterest expense to average assets | 4.1135% | 905 |
| Loan and lease loss provision to assets | 0.3749% | 2,317 |
| Net operating income to assets | 0.4495% | 4,720 |
| Return on assets (ROA) | 0.4495% | 4,806 |
| Pretax return on assets | 0.6030% | 4,672 |
| Return on Equity (ROE) | 4.8193% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.1375% | 4,859 |
| Net charge-offs to loans | 0.4252% | 2,417 |
| Credit loss provision to net charge-offs | 167.0360% | 1,722 |
| Earnings coverage of net charge-offs (x) | 4.3573% | 2,497 |
| Efficiency ratio | 80.0366% | 2,524 |
| Assets per employee ($millions) | 3.0845% | 5,976 |
| Cash dividends to net income (ytd only)* | 55.6478% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 4,285 |
| Loan loss allowance to noncurrent loans | 29.6456% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 3.6667% | 1,850 |
| Noncurrent loans to loans | 5.0077% | 1,345 |
| Net loans and leases to total assets | 50.5255% | 5,779 |
| Net loans and leases to deposits | 65.4631% | 5,052 |
| Net loans and leases to core deposits | 67.6589% | 5,336 |
| Total domestic deposits to total assets | 77.1816% | 6,501 |
| Equity capital to assets | 9.3919% | 4,590 |
| Core capital (leverage) ratio | 8.4701% | 5,513 |
| Tier 1 risk-based capital ratio | 18.0112% | 2,110 |
| Total risk-based capital ratio | 18.9597% | 2,189 |
| Memoranda: | ||
| Average total assets | $1,930,313,500 | 364 |
| Average earning assets | $1,706,221,000 | 360 |
| Average equity | $180,025,000 | 396 |
| Average total loans | $1,018,824,000 | 430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 6,753 |
| Cost of funding earning assets | 0.7577% | 6,709 |
| Net interest margin | 3.5616% | 4,992 |
| Noninterest income to average assets | 3.8535% | 171 |
| Noninterest expense to average assets | 4.1881% | 913 |
| Loan and lease loss provision to assets | 0.5786% | 2,820 |
| Net operating income to assets | 1.4792% | 802 |
| Return on assets (ROA) | 1.4918% | 839 |
| Pretax return on assets | 2.2681% | 268 |
| Return on Equity (ROE) | 17.8218% | 392 |
| Retained earnings to average equity (ytd only) | 12.6715% | 230 |
| Net charge-offs to loans | 0.8922% | 2,405 |
| Credit loss provision to net charge-offs | 112.0810% | 3,900 |
| Earnings coverage of net charge-offs (x) | 5.4773% | 2,614 |
| Efficiency ratio | 59.1586% | 6,167 |
| Assets per employee ($millions) | 3.1580% | 5,760 |
| Cash dividends to net income (ytd only)* | 28.8988% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,893 |
| Loan loss allowance to noncurrent loans | 21.4094% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 4.2306% | 1,581 |
| Noncurrent loans to loans | 6.1732% | 999 |
| Net loans and leases to total assets | 53.5431% | 5,697 |
| Net loans and leases to deposits | 70.3378% | 4,775 |
| Net loans and leases to core deposits | 72.7358% | 5,134 |
| Total domestic deposits to total assets | 76.1228% | 6,622 |
| Equity capital to assets | 9.2611% | 4,736 |
| Core capital (leverage) ratio | 8.2096% | 5,811 |
| Tier 1 risk-based capital ratio | 17.0888% | 2,319 |
| Total risk-based capital ratio | 18.0328% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,664,319,000 | 409 |
| Average earning assets | $1,477,664,800 | 418 |
| Average equity | $139,312,200 | 493 |
| Average total loans | $963,053,800 | 463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 6,914 |
| Cost of funding earning assets | 0.7253% | 6,991 |
| Net interest margin | 3.6113% | 4,821 |
| Noninterest income to average assets | 2.8583% | 228 |
| Noninterest expense to average assets | 4.2314% | 792 |
| Loan and lease loss provision to assets | 0.5761% | 2,632 |
| Net operating income to assets | 0.8914% | 2,643 |
| Return on assets (ROA) | 0.8914% | 2,790 |
| Pretax return on assets | 1.2637% | 2,286 |
| Return on Equity (ROE) | 11.0050% | 1,786 |
| Retained earnings to average equity (ytd only) | 5.4385% | 2,685 |
| Net charge-offs to loans | 0.9697% | 2,056 |
| Credit loss provision to net charge-offs | 100.7600% | 4,282 |
| Earnings coverage of net charge-offs (x) | 3.2181% | 3,536 |
| Efficiency ratio | 69.0729% | 4,253 |
| Assets per employee ($millions) | 2.7582% | 6,671 |
| Cash dividends to net income (ytd only)* | 50.5812% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,198 |
| Loan loss allowance to noncurrent loans | 48.5239% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.4430% | 2,927 |
| Noncurrent loans to loans | 2.9909% | 2,671 |
| Net loans and leases to total assets | 56.8961% | 5,428 |
| Net loans and leases to deposits | 71.5010% | 4,907 |
| Net loans and leases to core deposits | 74.2366% | 5,264 |
| Total domestic deposits to total assets | 79.5739% | 5,841 |
| Equity capital to assets | 8.6529% | 6,094 |
| Core capital (leverage) ratio | 7.7048% | 6,670 |
| Tier 1 risk-based capital ratio | 12.6596% | 4,848 |
| Total risk-based capital ratio | 13.5986% | 5,098 |
| Memoranda: | ||
| Average total assets | $1,595,650,750 | 425 |
| Average earning assets | $1,419,624,250 | 431 |
| Average equity | $129,247,250 | 513 |
| Average total loans | $940,791,750 | 476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 7,155 |
| Cost of funding earning assets | 0.7414% | 7,088 |
| Net interest margin | 3.4742% | 5,345 |
| Noninterest income to average assets | 2.7749% | 236 |
| Noninterest expense to average assets | 4.1396% | 873 |
| Loan and lease loss provision to assets | 0.5658% | 2,508 |
| Net operating income to assets | 0.8386% | 2,783 |
| Return on assets (ROA) | 0.8386% | 2,939 |
| Pretax return on assets | 1.1756% | 2,494 |
| Return on Equity (ROE) | 10.5836% | 1,901 |
| Retained earnings to average equity (ytd only) | 6.6182% | 2,009 |
| Net charge-offs to loans | 0.8128% | 2,217 |
| Credit loss provision to net charge-offs | 117.2919% | 3,467 |
| Earnings coverage of net charge-offs (x) | 3.6100% | 3,243 |
| Efficiency ratio | 69.7479% | 4,232 |
| Assets per employee ($millions) | 2.7340% | 6,723 |
| Cash dividends to net income (ytd only)* | 37.4667% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,456 |
| Loan loss allowance to noncurrent loans | 53.1001% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.3302% | 3,101 |
| Noncurrent loans to loans | 2.6271% | 3,011 |
| Net loans and leases to total assets | 61.9585% | 4,691 |
| Net loans and leases to deposits | 76.5840% | 4,224 |
| Net loans and leases to core deposits | 79.7634% | 4,718 |
| Total domestic deposits to total assets | 80.9026% | 5,434 |
| Equity capital to assets | 8.5717% | 6,059 |
| Core capital (leverage) ratio | 7.2406% | 7,043 |
| Tier 1 risk-based capital ratio | 12.2068% | 5,121 |
| Total risk-based capital ratio | 13.1631% | 5,361 |
| Memoranda: | ||
| Average total assets | $1,613,592,000 | 422 |
| Average earning assets | $1,442,623,000 | 422 |
| Average equity | $127,858,670 | 515 |
| Average total loans | $957,669,330 | 468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 7,417 |
| Cost of funding earning assets | 0.7621% | 7,197 |
| Net interest margin | 3.2895% | 6,011 |
| Noninterest income to average assets | 2.1361% | 312 |
| Noninterest expense to average assets | 4.0198% | 1,002 |
| Loan and lease loss provision to assets | 0.4459% | 2,733 |
| Net operating income to assets | 0.4835% | 4,482 |
| Return on assets (ROA) | 0.4835% | 4,613 |
| Pretax return on assets | 0.6425% | 4,443 |
| Return on Equity (ROE) | 6.3447% | 3,707 |
| Retained earnings to average equity (ytd only) | 3.0227% | 4,322 |
| Net charge-offs to loans | 1.0135% | 1,625 |
| Credit loss provision to net charge-offs | 76.2241% | 3,971 |
| Earnings coverage of net charge-offs (x) | 1.8606% | 3,621 |
| Efficiency ratio | 77.9578% | 2,907 |
| Assets per employee ($millions) | 2.9799% | 6,258 |
| Cash dividends to net income (ytd only)* | 52.3594% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,982 |
| Loan loss allowance to noncurrent loans | 193.2715% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 5,596 |
| Noncurrent loans to loans | 0.6677% | 5,993 |
| Net loans and leases to total assets | 55.5573% | 5,809 |
| Net loans and leases to deposits | 71.3617% | 5,146 |
| Net loans and leases to core deposits | 75.1765% | 5,366 |
| Total domestic deposits to total assets | 77.8531% | 6,353 |
| Equity capital to assets | 7.4422% | 7,111 |
| Core capital (leverage) ratio | 6.7563% | 7,374 |
| Tier 1 risk-based capital ratio | 11.6459% | 5,533 |
| Total risk-based capital ratio | 12.6048% | 5,779 |
| Memoranda: | ||
| Average total assets | $1,648,046,000 | 425 |
| Average earning assets | $1,488,982,500 | 428 |
| Average equity | $125,585,000 | 533 |
| Average total loans | $951,202,500 | 490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 6,050 |
| Cost of funding earning assets | 1.1640% | 6,785 |
| Net interest margin | 3.9457% | 3,097 |
| Noninterest income to average assets | 2.7243% | 250 |
| Noninterest expense to average assets | 4.5236% | 780 |
| Loan and lease loss provision to assets | 0.4259% | 4,273 |
| Net operating income to assets | 0.8726% | 2,269 |
| Return on assets (ROA) | 0.8726% | 2,332 |
| Pretax return on assets | 1.2411% | 1,848 |
| Return on Equity (ROE) | 10.2586% | 1,614 |
| Retained earnings to average equity (ytd only) | 2.9668% | 3,089 |
| Net charge-offs to loans | 0.6259% | 3,333 |
| Credit loss provision to net charge-offs | 102.4806% | 5,390 |
| Earnings coverage of net charge-offs (x) | 4.0112% | 3,100 |
| Efficiency ratio | 72.3862% | 4,201 |
| Assets per employee ($millions) | 2.7410% | 6,779 |
| Cash dividends to net income (ytd only)* | 71.0798% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,461 |
| Loan loss allowance to noncurrent loans | 106.7446% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 5,458 |
| Noncurrent loans to loans | 1.2692% | 4,808 |
| Net loans and leases to total assets | 58.4275% | 5,592 |
| Net loans and leases to deposits | 74.5287% | 4,949 |
| Net loans and leases to core deposits | 85.5756% | 5,561 |
| Total domestic deposits to total assets | 78.3959% | 6,146 |
| Equity capital to assets | 7.8082% | 6,757 |
| Core capital (leverage) ratio | 6.7597% | 7,388 |
| Tier 1 risk-based capital ratio | 11.2440% | 5,674 |
| Total risk-based capital ratio | 12.2138% | 5,919 |
| Memoranda: | ||
| Average total assets | $1,455,074,800 | 467 |
| Average earning assets | $1,278,286,800 | 478 |
| Average equity | $123,769,400 | 535 |
| Average total loans | $966,129,600 | 492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 5,426 |
| Cost of funding earning assets | 1.2542% | 6,702 |
| Net interest margin | 4.0454% | 2,616 |
| Noninterest income to average assets | 2.8180% | 232 |
| Noninterest expense to average assets | 4.6938% | 616 |
| Loan and lease loss provision to assets | 0.3994% | 3,917 |
| Net operating income to assets | 0.8848% | 2,477 |
| Return on assets (ROA) | 0.8848% | 2,552 |
| Pretax return on assets | 1.2536% | 2,097 |
| Return on Equity (ROE) | 10.1663% | 1,858 |
| Retained earnings to average equity (ytd only) | 2.8500% | 3,739 |
| Net charge-offs to loans | 0.5985% | 2,882 |
| Credit loss provision to net charge-offs | 97.5431% | 5,235 |
| Earnings coverage of net charge-offs (x) | 4.0367% | 3,291 |
| Efficiency ratio | 73.2678% | 4,002 |
| Assets per employee ($millions) | 2.4201% | 7,347 |
| Cash dividends to net income (ytd only)* | 71.9660% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,411 |
| Loan loss allowance to noncurrent loans | 202.5052% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 6,216 |
| Noncurrent loans to loans | 0.6493% | 6,000 |
| Net loans and leases to total assets | 65.2900% | 4,579 |
| Net loans and leases to deposits | 82.7369% | 3,882 |
| Net loans and leases to core deposits | 95.3319% | 4,891 |
| Total domestic deposits to total assets | 78.9128% | 5,833 |
| Equity capital to assets | 8.5883% | 6,128 |
| Core capital (leverage) ratio | 7.6001% | 6,859 |
| Tier 1 risk-based capital ratio | 10.9951% | 5,958 |
| Total risk-based capital ratio | 11.9755% | 6,196 |
| Memoranda: | ||
| Average total assets | $1,417,970,750 | 494 |
| Average earning assets | $1,236,890,500 | 508 |
| Average equity | $123,411,000 | 548 |
| Average total loans | $970,225,250 | 505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 5,881 |
| Cost of funding earning assets | 1.3196% | 6,737 |
| Net interest margin | 3.9281% | 2,986 |
| Noninterest income to average assets | 2.6407% | 246 |
| Noninterest expense to average assets | 4.7513% | 615 |
| Loan and lease loss provision to assets | 0.3811% | 3,641 |
| Net operating income to assets | 0.7269% | 3,145 |
| Return on assets (ROA) | 0.7269% | 3,250 |
| Pretax return on assets | 0.9952% | 3,033 |
| Return on Equity (ROE) | 8.3138% | 2,648 |
| Retained earnings to average equity (ytd only) | 2.7501% | 3,799 |
| Net charge-offs to loans | 0.5809% | 2,588 |
| Credit loss provision to net charge-offs | 94.8038% | 4,779 |
| Earnings coverage of net charge-offs (x) | 3.4235% | 3,441 |
| Efficiency ratio | 76.8228% | 3,537 |
| Assets per employee ($millions) | 2.3199% | 7,523 |
| Cash dividends to net income (ytd only)* | 66.9208% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 4,436 |
| Loan loss allowance to noncurrent loans | 182.1475% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 6,029 |
| Noncurrent loans to loans | 0.6995% | 5,849 |
| Net loans and leases to total assets | 70.4427% | 3,597 |
| Net loans and leases to deposits | 86.1627% | 3,525 |
| Net loans and leases to core deposits | 98.5545% | 4,646 |
| Total domestic deposits to total assets | 81.7555% | 4,794 |
| Equity capital to assets | 8.9284% | 5,411 |
| Core capital (leverage) ratio | 7.4870% | 7,038 |
| Tier 1 risk-based capital ratio | 10.8662% | 6,013 |
| Total risk-based capital ratio | 11.8671% | 6,203 |
| Memoranda: | ||
| Average total assets | $1,407,414,670 | 508 |
| Average earning assets | $1,249,317,670 | 515 |
| Average equity | $123,048,000 | 557 |
| Average total loans | $973,940,330 | 519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 5,896 |
| Cost of funding earning assets | 1.4184% | 6,668 |
| Net interest margin | 3.8810% | 3,134 |
| Noninterest income to average assets | 2.5111% | 252 |
| Noninterest expense to average assets | 4.6421% | 629 |
| Loan and lease loss provision to assets | 0.3082% | 3,493 |
| Net operating income to assets | 0.7384% | 3,399 |
| Return on assets (ROA) | 0.7384% | 3,580 |
| Pretax return on assets | 1.0134% | 3,298 |
| Return on Equity (ROE) | 8.5343% | 2,914 |
| Retained earnings to average equity (ytd only) | 2.0025% | 4,746 |
| Net charge-offs to loans | 0.6035% | 1,972 |
| Credit loss provision to net charge-offs | 74.9315% | 4,270 |
| Earnings coverage of net charge-offs (x) | 3.2130% | 3,245 |
| Efficiency ratio | 77.1070% | 3,315 |
| Assets per employee ($millions) | 2.3992% | 7,460 |
| Cash dividends to net income (ytd only)* | 76.5357% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,287 |
| Loan loss allowance to noncurrent loans | 168.0408% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 5,670 |
| Noncurrent loans to loans | 0.7550% | 5,535 |
| Net loans and leases to total assets | 67.8998% | 4,164 |
| Net loans and leases to deposits | 83.5504% | 4,050 |
| Net loans and leases to core deposits | 95.6988% | 5,003 |
| Total domestic deposits to total assets | 81.2680% | 4,853 |
| Equity capital to assets | 8.6984% | 5,765 |
| Core capital (leverage) ratio | 7.3596% | 7,313 |
| Tier 1 risk-based capital ratio | 10.8381% | 6,055 |
| Total risk-based capital ratio | 11.8356% | 6,225 |
| Memoranda: | ||
| Average total assets | $1,419,777,500 | 505 |
| Average earning assets | $1,263,070,000 | 513 |
| Average equity | $122,846,000 | 558 |
| Average total loans | $967,623,500 | 527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0935% | 5,076 |
| Cost of funding earning assets | 2.1037% | 6,038 |
| Net interest margin | 3.9899% | 3,164 |
| Noninterest income to average assets | 2.7633% | 227 |
| Noninterest expense to average assets | 4.3576% | 988 |
| Loan and lease loss provision to assets | 0.2918% | 4,045 |
| Net operating income to assets | 1.1120% | 2,097 |
| Return on assets (ROA) | 1.1120% | 2,015 |
| Pretax return on assets | 1.6465% | 1,271 |
| Return on Equity (ROE) | 12.8032% | 1,382 |
| Retained earnings to average equity (ytd only) | 2.9425% | 3,342 |
| Net charge-offs to loans | 0.4373% | 2,645 |
| Credit loss provision to net charge-offs | 99.6086% | 5,389 |
| Earnings coverage of net charge-offs (x) | 6.6159% | 3,319 |
| Efficiency ratio | 68.5092% | 4,630 |
| Assets per employee ($millions) | 2.3117% | 7,545 |
| Cash dividends to net income (ytd only)* | 77.0173% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 3,642 |
| Loan loss allowance to noncurrent loans | 291.4738% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,112 |
| Noncurrent loans to loans | 0.4536% | 5,986 |
| Net loans and leases to total assets | 66.6447% | 4,719 |
| Net loans and leases to deposits | 83.7775% | 4,455 |
| Net loans and leases to core deposits | 95.3153% | 5,312 |
| Total domestic deposits to total assets | 79.5496% | 5,183 |
| Equity capital to assets | 8.6068% | 5,928 |
| Core capital (leverage) ratio | 7.2930% | 7,427 |
| Tier 1 risk-based capital ratio | 10.5875% | 6,120 |
| Total risk-based capital ratio | 11.6015% | 6,237 |
| Memoranda: | ||
| Average total assets | $1,395,312,200 | 498 |
| Average earning assets | $1,235,407,000 | 506 |
| Average equity | $121,188,000 | 559 |
| Average total loans | $934,880,800 | 527 |