Home > The Park National Bank > Performance and Condition Ratios
The Park National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 1,463 |
| Cost of funding earning assets | 1.0260% | 3,239 |
| Net interest margin | 4.2922% | 825 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.0217% | 1,100 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4796% | 1,054 |
| Return on assets (ROA) | 1.4234% | 1,144 |
| Pretax return on assets | 1.7403% | 985 |
| Return on Equity (ROE) | 14.9000% | 1,305 |
| Retained earnings to average equity (ytd only) | 4.2721% | 2,873 |
| Net charge-offs to loans | 0.0788% | 1,075 |
| Credit loss provision to net charge-offs | 64.8828% | 2,120 |
| Earnings coverage of net charge-offs (x) | 31.7894% | 1,600 |
| Efficiency ratio | 61.8079% | 2,856 |
| Assets per employee ($millions) | 5.5234% | 3,229 |
| Cash dividends to net income (ytd only)* | 71.3272% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,728 |
| Loan loss allowance to noncurrent loans | 137.1071% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 875 |
| Noncurrent loans to loans | 0.8170% | 948 |
| Net loans and leases to total assets | 75.4400% | 1,182 |
| Net loans and leases to deposits | 88.6245% | 1,384 |
| Net loans and leases to core deposits | 91.6632% | 1,929 |
| Total domestic deposits to total assets | 85.1300% | 2,273 |
| Equity capital to assets | 10.1140% | 1,941 |
| Core capital (leverage) ratio | 9.1100% | 3,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3504% | 2,473 |
| Memoranda: | ||
| Average total assets | $9,849,894,200 | 161 |
| Average earning assets | $8,854,466,400 | 160 |
| Average equity | $940,974,600 | 176 |
| Average total loans | $7,253,628,000 | 157 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 1,459 |
| Cost of funding earning assets | 0.9398% | 3,177 |
| Net interest margin | 4.2562% | 857 |
| Noninterest income to average assets | 1.0300% | 613 |
| Noninterest expense to average assets | 2.9843% | 1,093 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.5087% | 1,099 |
| Return on assets (ROA) | 1.5214% | 1,071 |
| Pretax return on assets | 1.8631% | 908 |
| Return on Equity (ROE) | 16.1600% | 1,224 |
| Retained earnings to average equity (ytd only) | 4.6731% | 3,051 |
| Net charge-offs to loans | 0.0566% | 1,102 |
| Credit loss provision to net charge-offs | 62.2666% | 1,849 |
| Earnings coverage of net charge-offs (x) | 45.3839% | 1,366 |
| Efficiency ratio | 61.1629% | 2,825 |
| Assets per employee ($millions) | 5.5764% | 3,119 |
| Cash dividends to net income (ytd only)* | 71.0846% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,612 |
| Loan loss allowance to noncurrent loans | 152.2340% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5580% | 1,046 |
| Noncurrent loans to loans | 0.7561% | 1,099 |
| Net loans and leases to total assets | 72.9400% | 1,472 |
| Net loans and leases to deposits | 85.1052% | 1,645 |
| Net loans and leases to core deposits | 86.0141% | 2,186 |
| Total domestic deposits to total assets | 85.7100% | 2,278 |
| Equity capital to assets | 9.3747% | 2,184 |
| Core capital (leverage) ratio | 8.9640% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3416% | 2,497 |
| Memoranda: | ||
| Average total assets | $9,862,724,500 | 162 |
| Average earning assets | $8,872,007,750 | 160 |
| Average equity | $928,461,250 | 178 |
| Average total loans | $7,198,026,750 | 158 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 1,396 |
| Cost of funding earning assets | 0.8542% | 3,063 |
| Net interest margin | 4.2324% | 887 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 2.9679% | 1,091 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4618% | 1,188 |
| Return on assets (ROA) | 1.4598% | 1,176 |
| Pretax return on assets | 1.7687% | 1,074 |
| Return on Equity (ROE) | 15.4900% | 1,367 |
| Retained earnings to average equity (ytd only) | 2.5367% | 3,593 |
| Net charge-offs to loans | 0.0556% | 970 |
| Credit loss provision to net charge-offs | 172.9879% | 1,114 |
| Earnings coverage of net charge-offs (x) | 45.6383% | 1,334 |
| Efficiency ratio | 61.3776% | 2,795 |
| Assets per employee ($millions) | 5.5410% | 3,111 |
| Cash dividends to net income (ytd only)* | 83.6190% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,391 |
| Loan loss allowance to noncurrent loans | 149.9613% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 901 |
| Noncurrent loans to loans | 0.8068% | 944 |
| Net loans and leases to total assets | 72.2400% | 1,503 |
| Net loans and leases to deposits | 82.2607% | 1,808 |
| Net loans and leases to core deposits | 82.8437% | 2,275 |
| Total domestic deposits to total assets | 87.8100% | 1,671 |
| Equity capital to assets | 9.4547% | 2,181 |
| Core capital (leverage) ratio | 8.7961% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1924% | 2,575 |
| Memoranda: | ||
| Average total assets | $9,830,456,667 | 158 |
| Average earning assets | $8,843,031,667 | 156 |
| Average equity | $926,724,333 | 172 |
| Average total loans | $7,147,519,000 | 153 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 1,235 |
| Cost of funding earning assets | 0.7559% | 2,881 |
| Net interest margin | 4.2377% | 891 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.9696% | 1,114 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4882% | 1,212 |
| Return on assets (ROA) | 1.4778% | 1,209 |
| Pretax return on assets | 1.7903% | 1,081 |
| Return on Equity (ROE) | 15.7000% | 1,420 |
| Retained earnings to average equity (ytd only) | 2.7136% | 3,564 |
| Net charge-offs to loans | 0.0409% | 951 |
| Credit loss provision to net charge-offs | 125.8597% | 1,014 |
| Earnings coverage of net charge-offs (x) | 62.2779% | 1,000 |
| Efficiency ratio | 61.4051% | 2,763 |
| Assets per employee ($millions) | 5.5816% | 3,133 |
| Cash dividends to net income (ytd only)* | 82.7153% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,491 |
| Loan loss allowance to noncurrent loans | 115.6847% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 634 |
| Noncurrent loans to loans | 1.0473% | 695 |
| Net loans and leases to total assets | 71.3700% | 1,489 |
| Net loans and leases to deposits | 81.6418% | 1,687 |
| Net loans and leases to core deposits | 82.0596% | 2,111 |
| Total domestic deposits to total assets | 87.4200% | 2,123 |
| Equity capital to assets | 9.5056% | 2,138 |
| Core capital (leverage) ratio | 8.6087% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3098% | 2,632 |
| Memoranda: | ||
| Average total assets | $9,816,959,000 | 164 |
| Average earning assets | $8,833,990,500 | 163 |
| Average equity | $924,092,500 | 176 |
| Average total loans | $7,117,368,000 | 158 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 1,074 |
| Cost of funding earning assets | 0.2703% | 3,153 |
| Net interest margin | 4.0167% | 772 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 2.9154% | 1,102 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4593% | 985 |
| Return on assets (ROA) | 1.4765% | 905 |
| Pretax return on assets | 1.8178% | 708 |
| Return on Equity (ROE) | 15.2400% | 1,202 |
| Retained earnings to average equity (ytd only) | 2.4721% | 3,865 |
| Net charge-offs to loans | 0.0499% | 1,171 |
| Credit loss provision to net charge-offs | 164.9138% | 1,234 |
| Earnings coverage of net charge-offs (x) | 51.9989% | 1,329 |
| Efficiency ratio | 60.6626% | 2,964 |
| Assets per employee ($millions) | 5.7673% | 2,974 |
| Cash dividends to net income (ytd only)* | 83.7737% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 2,410 |
| Loan loss allowance to noncurrent loans | 105.5358% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 567 |
| Noncurrent loans to loans | 1.1327% | 632 |
| Net loans and leases to total assets | 71.8800% | 1,432 |
| Net loans and leases to deposits | 82.6773% | 1,565 |
| Net loans and leases to core deposits | 83.1060% | 1,927 |
| Total domestic deposits to total assets | 86.9400% | 2,410 |
| Equity capital to assets | 9.3208% | 2,138 |
| Core capital (leverage) ratio | 8.3356% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1487% | 2,686 |
| Memoranda: | ||
| Average total assets | $9,701,431,000 | 163 |
| Average earning assets | $8,729,748,000 | 161 |
| Average equity | $940,196,800 | 174 |
| Average total loans | $6,979,182,800 | 158 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 1,108 |
| Cost of funding earning assets | 0.1741% | 3,574 |
| Net interest margin | 3.9026% | 803 |
| Noninterest income to average assets | 1.2000% | 507 |
| Noninterest expense to average assets | 2.8854% | 1,083 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4621% | 927 |
| Return on assets (ROA) | 1.4876% | 861 |
| Pretax return on assets | 1.8290% | 689 |
| Return on Equity (ROE) | 15.2000% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.5247% | 3,911 |
| Net charge-offs to loans | 0.0232% | 1,365 |
| Credit loss provision to net charge-offs | 169.1481% | 1,063 |
| Earnings coverage of net charge-offs (x) | 109.6956% | 899 |
| Efficiency ratio | 60.8812% | 2,999 |
| Assets per employee ($millions) | 5.7711% | 2,967 |
| Cash dividends to net income (ytd only)* | 83.3928% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,627 |
| Loan loss allowance to noncurrent loans | 185.3626% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 1,172 |
| Noncurrent loans to loans | 0.6376% | 1,277 |
| Net loans and leases to total assets | 71.5000% | 1,340 |
| Net loans and leases to deposits | 81.5505% | 1,478 |
| Net loans and leases to core deposits | 82.0491% | 1,763 |
| Total domestic deposits to total assets | 87.6700% | 2,526 |
| Equity capital to assets | 9.0322% | 2,192 |
| Core capital (leverage) ratio | 8.2288% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1175% | 2,783 |
| Memoranda: | ||
| Average total assets | $9,672,801,000 | 164 |
| Average earning assets | $8,705,599,500 | 162 |
| Average equity | $946,513,750 | 172 |
| Average total loans | $6,938,649,750 | 159 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 1,202 |
| Cost of funding earning assets | 0.0962% | 4,228 |
| Net interest margin | 3.7561% | 828 |
| Noninterest income to average assets | 1.2102% | 468 |
| Noninterest expense to average assets | 2.7134% | 1,358 |
| Loan and lease loss provision to assets | -0.0279% | 4,456 |
| Net operating income to assets | 1.5497% | 619 |
| Return on assets (ROA) | 1.5877% | 553 |
| Pretax return on assets | 1.9542% | 418 |
| Return on Equity (ROE) | 15.8119% | 734 |
| Retained earnings to average equity (ytd only) | 3.3955% | 3,312 |
| Net charge-offs to loans | 0.0147% | 1,470 |
| Credit loss provision to net charge-offs | -235.1779% | 3,241 |
| Earnings coverage of net charge-offs (x) | 178.7431% | 580 |
| Efficiency ratio | 58.7155% | 3,465 |
| Assets per employee ($millions) | 5.8581% | 2,867 |
| Cash dividends to net income (ytd only)* | 78.5258% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,855 |
| Loan loss allowance to noncurrent loans | 161.6628% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 1,111 |
| Noncurrent loans to loans | 0.7232% | 1,195 |
| Net loans and leases to total assets | 70.2664% | 1,279 |
| Net loans and leases to deposits | 80.2582% | 1,371 |
| Net loans and leases to core deposits | 80.8245% | 1,669 |
| Total domestic deposits to total assets | 87.5504% | 2,745 |
| Equity capital to assets | 9.4447% | 2,062 |
| Core capital (leverage) ratio | 8.8310% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2959% | 2,727 |
| Memoranda: | ||
| Average total assets | $9,624,853,333 | 162 |
| Average earning assets | $8,667,624,333 | 164 |
| Average equity | $966,465,000 | 170 |
| Average total loans | $6,884,066,000 | 156 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 1,172 |
| Cost of funding earning assets | 0.0754% | 4,399 |
| Net interest margin | 3.6786% | 778 |
| Noninterest income to average assets | 1.2171% | 479 |
| Noninterest expense to average assets | 2.7139% | 1,329 |
| Loan and lease loss provision to assets | -0.2121% | 4,694 |
| Net operating income to assets | 1.6634% | 443 |
| Return on assets (ROA) | 1.7387% | 379 |
| Pretax return on assets | 2.1363% | 280 |
| Return on Equity (ROE) | 16.8030% | 444 |
| Retained earnings to average equity (ytd only) | 4.6469% | 2,723 |
| Net charge-offs to loans | -0.0143% | 3,742 |
| Credit loss provision to net charge-offs | 1,855.9184% | 225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3404% | 3,550 |
| Assets per employee ($millions) | 5.7187% | 3,096 |
| Cash dividends to net income (ytd only)* | 72.3449% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,076 |
| Loan loss allowance to noncurrent loans | 145.1363% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 1,044 |
| Noncurrent loans to loans | 0.7962% | 1,192 |
| Net loans and leases to total assets | 70.6265% | 959 |
| Net loans and leases to deposits | 81.6564% | 1,034 |
| Net loans and leases to core deposits | 82.2767% | 1,337 |
| Total domestic deposits to total assets | 86.4924% | 3,106 |
| Equity capital to assets | 10.1113% | 1,819 |
| Core capital (leverage) ratio | 8.6926% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6135% | 2,741 |
| Memoranda: | ||
| Average total assets | $9,539,924,500 | 166 |
| Average earning assets | $8,630,600,500 | 165 |
| Average equity | $987,156,000 | 172 |
| Average total loans | $6,844,195,500 | 157 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 1,846 |
| Cost of funding earning assets | 0.0939% | 4,431 |
| Net interest margin | 3.7130% | 1,185 |
| Noninterest income to average assets | 1.2660% | 663 |
| Noninterest expense to average assets | 2.7415% | 1,508 |
| Loan and lease loss provision to assets | -0.0849% | 4,491 |
| Net operating income to assets | 1.6095% | 778 |
| Return on assets (ROA) | 1.6411% | 759 |
| Pretax return on assets | 2.0283% | 575 |
| Return on Equity (ROE) | 16.3158% | 704 |
| Retained earnings to average equity (ytd only) | 5.0608% | 2,759 |
| Net charge-offs to loans | -0.0091% | 3,706 |
| Credit loss provision to net charge-offs | 1,336.4063% | 426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6123% | 3,344 |
| Assets per employee ($millions) | 5.6961% | 3,060 |
| Cash dividends to net income (ytd only)* | 68.9824% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,836 |
| Loan loss allowance to noncurrent loans | 112.0683% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 780 |
| Noncurrent loans to loans | 1.0797% | 898 |
| Net loans and leases to total assets | 71.1618% | 911 |
| Net loans and leases to deposits | 83.1788% | 975 |
| Net loans and leases to core deposits | 83.8394% | 1,342 |
| Total domestic deposits to total assets | 85.5528% | 3,068 |
| Equity capital to assets | 10.5842% | 2,102 |
| Core capital (leverage) ratio | 8.5812% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5600% | 2,761 |
| Memoranda: | ||
| Average total assets | $9,716,522,000 | 163 |
| Average earning assets | $8,844,510,200 | 162 |
| Average equity | $977,338,000 | 174 |
| Average total loans | $7,026,012,200 | 158 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 1,999 |
| Cost of funding earning assets | 0.0986% | 4,517 |
| Net interest margin | 3.7111% | 1,312 |
| Noninterest income to average assets | 1.2771% | 717 |
| Noninterest expense to average assets | 2.6593% | 1,687 |
| Loan and lease loss provision to assets | -0.0411% | 4,428 |
| Net operating income to assets | 1.6533% | 912 |
| Return on assets (ROA) | 1.6727% | 920 |
| Pretax return on assets | 2.0646% | 716 |
| Return on Equity (ROE) | 16.8449% | 789 |
| Retained earnings to average equity (ytd only) | 5.8413% | 2,896 |
| Net charge-offs to loans | -0.0120% | 3,752 |
| Credit loss provision to net charge-offs | 575.2351% | 718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6771% | 3,453 |
| Assets per employee ($millions) | 5.9773% | 2,718 |
| Cash dividends to net income (ytd only)* | 65.3227% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,619 |
| Loan loss allowance to noncurrent loans | 100.1081% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 784 |
| Noncurrent loans to loans | 1.2730% | 862 |
| Net loans and leases to total assets | 68.1274% | 1,307 |
| Net loans and leases to deposits | 79.2365% | 1,357 |
| Net loans and leases to core deposits | 79.8534% | 1,748 |
| Total domestic deposits to total assets | 85.9799% | 2,753 |
| Equity capital to assets | 9.7869% | 3,116 |
| Core capital (leverage) ratio | 8.2835% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6261% | 2,822 |
| Memoranda: | ||
| Average total assets | $9,761,826,500 | 162 |
| Average earning assets | $8,895,412,000 | 162 |
| Average equity | $969,364,000 | 174 |
| Average total loans | $7,065,364,750 | 157 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 1,960 |
| Cost of funding earning assets | 0.1052% | 4,540 |
| Net interest margin | 3.7387% | 1,245 |
| Noninterest income to average assets | 1.2932% | 696 |
| Noninterest expense to average assets | 2.6916% | 1,610 |
| Loan and lease loss provision to assets | -0.1555% | 4,712 |
| Net operating income to assets | 1.7549% | 787 |
| Return on assets (ROA) | 1.7772% | 792 |
| Pretax return on assets | 2.1886% | 590 |
| Return on Equity (ROE) | 17.8080% | 674 |
| Retained earnings to average equity (ytd only) | 7.4567% | 2,271 |
| Net charge-offs to loans | -0.0083% | 3,609 |
| Credit loss provision to net charge-offs | 2,684.4595% | 226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8797% | 3,421 |
| Assets per employee ($millions) | 5.8424% | 2,771 |
| Cash dividends to net income (ytd only)* | 58.1274% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 3,019 |
| Loan loss allowance to noncurrent loans | 85.9393% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 774 |
| Noncurrent loans to loans | 1.3799% | 847 |
| Net loans and leases to total assets | 70.0714% | 1,188 |
| Net loans and leases to deposits | 81.9150% | 1,234 |
| Net loans and leases to core deposits | 82.5579% | 1,675 |
| Total domestic deposits to total assets | 85.5417% | 2,895 |
| Equity capital to assets | 9.8614% | 2,989 |
| Core capital (leverage) ratio | 8.3828% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5350% | 2,853 |
| Memoranda: | ||
| Average total assets | $9,680,426,333 | 161 |
| Average earning assets | $8,813,863,333 | 162 |
| Average equity | $966,059,333 | 175 |
| Average total loans | $7,118,872,667 | 156 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 1,856 |
| Cost of funding earning assets | 0.1131% | 4,564 |
| Net interest margin | 3.7747% | 1,191 |
| Noninterest income to average assets | 1.3370% | 727 |
| Noninterest expense to average assets | 2.6556% | 1,727 |
| Loan and lease loss provision to assets | -0.1719% | 4,795 |
| Net operating income to assets | 1.8590% | 707 |
| Return on assets (ROA) | 1.8873% | 730 |
| Pretax return on assets | 2.3215% | 569 |
| Return on Equity (ROE) | 18.7962% | 644 |
| Retained earnings to average equity (ytd only) | 10.4649% | 1,530 |
| Net charge-offs to loans | 0.0151% | 1,445 |
| Credit loss provision to net charge-offs | -1,553.3333% | 3,499 |
| Earnings coverage of net charge-offs (x) | 187.2630% | 421 |
| Efficiency ratio | 55.2485% | 3,641 |
| Assets per employee ($millions) | 5.7494% | 2,852 |
| Cash dividends to net income (ytd only)* | 44.3243% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,886 |
| Loan loss allowance to noncurrent loans | 75.1422% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 642 |
| Noncurrent loans to loans | 1.6085% | 758 |
| Net loans and leases to total assets | 71.6291% | 1,077 |
| Net loans and leases to deposits | 83.3766% | 1,209 |
| Net loans and leases to core deposits | 84.0939% | 1,672 |
| Total domestic deposits to total assets | 85.9104% | 2,767 |
| Equity capital to assets | 9.7377% | 2,957 |
| Core capital (leverage) ratio | 8.5047% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5632% | 2,802 |
| Memoranda: | ||
| Average total assets | $9,563,397,000 | 164 |
| Average earning assets | $8,698,566,000 | 163 |
| Average equity | $960,235,500 | 175 |
| Average total loans | $7,163,011,000 | 156 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 1,859 |
| Cost of funding earning assets | 0.3287% | 3,984 |
| Net interest margin | 3.9752% | 1,029 |
| Noninterest income to average assets | 1.3066% | 676 |
| Noninterest expense to average assets | 2.9650% | 1,517 |
| Loan and lease loss provision to assets | 0.3397% | 1,033 |
| Net operating income to assets | 1.3124% | 1,214 |
| Return on assets (ROA) | 1.3641% | 1,188 |
| Pretax return on assets | 1.6631% | 923 |
| Return on Equity (ROE) | 13.3918% | 943 |
| Retained earnings to average equity (ytd only) | 5.2742% | 2,151 |
| Net charge-offs to loans | 0.0171% | 2,750 |
| Credit loss provision to net charge-offs | 2,602.4493% | 366 |
| Earnings coverage of net charge-offs (x) | 148.6090% | 582 |
| Efficiency ratio | 59.9416% | 3,468 |
| Assets per employee ($millions) | 5.3218% | 3,024 |
| Cash dividends to net income (ytd only)* | 60.6159% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 3,070 |
| Loan loss allowance to noncurrent loans | 71.4355% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 632 |
| Noncurrent loans to loans | 1.6476% | 797 |
| Net loans and leases to total assets | 76.5461% | 729 |
| Net loans and leases to deposits | 90.5254% | 889 |
| Net loans and leases to core deposits | 91.5422% | 1,417 |
| Total domestic deposits to total assets | 84.5576% | 2,929 |
| Equity capital to assets | 10.3644% | 2,790 |
| Core capital (leverage) ratio | 8.5932% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1560% | 2,880 |
| Memoranda: | ||
| Average total assets | $9,070,516,800 | 160 |
| Average earning assets | $8,210,361,800 | 159 |
| Average equity | $923,926,400 | 174 |
| Average total loans | $6,918,302,600 | 154 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,154 |
| Cost of funding earning assets | 0.3837% | 3,903 |
| Net interest margin | 3.8989% | 1,355 |
| Noninterest income to average assets | 1.2781% | 665 |
| Noninterest expense to average assets | 2.7721% | 2,051 |
| Loan and lease loss provision to assets | 0.4765% | 642 |
| Net operating income to assets | 1.2816% | 1,394 |
| Return on assets (ROA) | 1.3228% | 1,389 |
| Pretax return on assets | 1.6087% | 1,163 |
| Return on Equity (ROE) | 13.0447% | 1,100 |
| Retained earnings to average equity (ytd only) | 2.1190% | 3,888 |
| Net charge-offs to loans | 0.0330% | 2,167 |
| Credit loss provision to net charge-offs | 1,898.5285% | 500 |
| Earnings coverage of net charge-offs (x) | 81.0824% | 916 |
| Efficiency ratio | 57.1332% | 3,778 |
| Assets per employee ($millions) | 5.2090% | 3,007 |
| Cash dividends to net income (ytd only)* | 83.7558% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,816 |
| Loan loss allowance to noncurrent loans | 68.9065% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3460% | 681 |
| Noncurrent loans to loans | 1.7040% | 802 |
| Net loans and leases to total assets | 77.9110% | 836 |
| Net loans and leases to deposits | 92.8768% | 1,009 |
| Net loans and leases to core deposits | 93.9468% | 1,643 |
| Total domestic deposits to total assets | 83.8865% | 2,854 |
| Equity capital to assets | 10.1316% | 3,112 |
| Core capital (leverage) ratio | 8.0146% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8611% | 2,948 |
| Memoranda: | ||
| Average total assets | $9,025,823,250 | 160 |
| Average earning assets | $8,169,687,750 | 160 |
| Average equity | $915,250,500 | 174 |
| Average total loans | $6,856,804,500 | 156 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 2,506 |
| Cost of funding earning assets | 0.4607% | 3,741 |
| Net interest margin | 3.8273% | 1,748 |
| Noninterest income to average assets | 1.1557% | 747 |
| Noninterest expense to average assets | 2.7234% | 2,313 |
| Loan and lease loss provision to assets | 0.4109% | 972 |
| Net operating income to assets | 1.2149% | 1,603 |
| Return on assets (ROA) | 1.2640% | 1,573 |
| Pretax return on assets | 1.5418% | 1,363 |
| Return on Equity (ROE) | 12.4618% | 1,226 |
| Retained earnings to average equity (ytd only) | 1.4644% | 3,948 |
| Net charge-offs to loans | 0.0447% | 1,855 |
| Credit loss provision to net charge-offs | 1,225.3493% | 693 |
| Earnings coverage of net charge-offs (x) | 56.4451% | 1,012 |
| Efficiency ratio | 58.4115% | 3,643 |
| Assets per employee ($millions) | 5.4013% | 2,734 |
| Cash dividends to net income (ytd only)* | 88.2488% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,595 |
| Loan loss allowance to noncurrent loans | 70.9132% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 1,121 |
| Noncurrent loans to loans | 1.4057% | 1,100 |
| Net loans and leases to total assets | 73.4737% | 1,480 |
| Net loans and leases to deposits | 86.4105% | 1,721 |
| Net loans and leases to core deposits | 87.6838% | 2,281 |
| Total domestic deposits to total assets | 85.0287% | 2,386 |
| Equity capital to assets | 9.5550% | 3,607 |
| Core capital (leverage) ratio | 8.0516% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6550% | 3,054 |
| Memoranda: | ||
| Average total assets | $8,964,582,333 | 159 |
| Average earning assets | $8,105,190,333 | 159 |
| Average equity | $909,309,000 | 173 |
| Average total loans | $6,722,238,667 | 157 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 2,246 |
| Cost of funding earning assets | 0.6419% | 3,212 |
| Net interest margin | 3.8820% | 1,729 |
| Noninterest income to average assets | 1.0835% | 722 |
| Noninterest expense to average assets | 2.8519% | 2,271 |
| Loan and lease loss provision to assets | 0.2572% | 1,209 |
| Net operating income to assets | 1.1978% | 1,523 |
| Return on assets (ROA) | 1.2040% | 1,618 |
| Pretax return on assets | 1.4775% | 1,362 |
| Return on Equity (ROE) | 11.4950% | 1,263 |
| Retained earnings to average equity (ytd only) | -1.8156% | 4,229 |
| Net charge-offs to loans | 0.0457% | 1,564 |
| Credit loss provision to net charge-offs | 745.8221% | 699 |
| Earnings coverage of net charge-offs (x) | 50.0822% | 899 |
| Efficiency ratio | 61.6692% | 3,533 |
| Assets per employee ($millions) | 4.7026% | 2,986 |
| Cash dividends to net income (ytd only)* | 115.7943% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,058 |
| Loan loss allowance to noncurrent loans | 65.5190% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 1,214 |
| Noncurrent loans to loans | 1.3963% | 1,143 |
| Net loans and leases to total assets | 74.1741% | 1,574 |
| Net loans and leases to deposits | 87.5891% | 1,801 |
| Net loans and leases to core deposits | 89.1296% | 2,434 |
| Total domestic deposits to total assets | 84.6841% | 2,532 |
| Equity capital to assets | 10.4579% | 3,359 |
| Core capital (leverage) ratio | 8.5980% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6710% | 3,193 |
| Memoranda: | ||
| Average total assets | $8,607,272,500 | 163 |
| Average earning assets | $7,749,986,500 | 160 |
| Average equity | $901,539,500 | 176 |
| Average total loans | $6,491,720,500 | 157 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 2,152 |
| Cost of funding earning assets | 0.8317% | 2,519 |
| Net interest margin | 3.9318% | 2,065 |
| Noninterest income to average assets | 1.1106% | 774 |
| Noninterest expense to average assets | 2.8693% | 2,379 |
| Loan and lease loss provision to assets | 0.1010% | 2,039 |
| Net operating income to assets | 1.3680% | 1,451 |
| Return on assets (ROA) | 1.3728% | 1,513 |
| Pretax return on assets | 1.6886% | 1,220 |
| Return on Equity (ROE) | 13.8459% | 928 |
| Retained earnings to average equity (ytd only) | 2.2670% | 3,880 |
| Net charge-offs to loans | 0.0446% | 2,493 |
| Credit loss provision to net charge-offs | 305.9685% | 905 |
| Earnings coverage of net charge-offs (x) | 54.0447% | 1,062 |
| Efficiency ratio | 61.0546% | 3,527 |
| Assets per employee ($millions) | 4.4724% | 3,271 |
| Cash dividends to net income (ytd only)* | 83.6268% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 4,174 |
| Loan loss allowance to noncurrent loans | 59.9857% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 1,102 |
| Noncurrent loans to loans | 1.4067% | 1,039 |
| Net loans and leases to total assets | 75.3529% | 1,530 |
| Net loans and leases to deposits | 90.1983% | 1,566 |
| Net loans and leases to core deposits | 92.3453% | 2,204 |
| Total domestic deposits to total assets | 83.5413% | 3,009 |
| Equity capital to assets | 10.4907% | 3,456 |
| Core capital (leverage) ratio | 8.6239% | 4,767 |
| Tier 1 risk-based capital ratio | 11.0459% | 4,838 |
| Total risk-based capital ratio | 12.2517% | 4,764 |
| Memoranda: | ||
| Average total assets | $8,275,072,200 | 159 |
| Average earning assets | $7,455,418,600 | 155 |
| Average equity | $820,460,200 | 181 |
| Average total loans | $6,121,769,600 | 156 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 2,209 |
| Cost of funding earning assets | 0.8550% | 2,442 |
| Net interest margin | 3.9164% | 2,199 |
| Noninterest income to average assets | 1.0988% | 758 |
| Noninterest expense to average assets | 2.8078% | 2,541 |
| Loan and lease loss provision to assets | 0.1066% | 1,815 |
| Net operating income to assets | 1.4056% | 1,453 |
| Return on assets (ROA) | 1.4130% | 1,489 |
| Pretax return on assets | 1.7225% | 1,273 |
| Return on Equity (ROE) | 14.4691% | 895 |
| Retained earnings to average equity (ytd only) | 3.6616% | 3,571 |
| Net charge-offs to loans | 0.0390% | 2,305 |
| Credit loss provision to net charge-offs | 371.8414% | 814 |
| Earnings coverage of net charge-offs (x) | 63.5112% | 1,027 |
| Efficiency ratio | 60.0639% | 3,631 |
| Assets per employee ($millions) | 4.5736% | 3,090 |
| Cash dividends to net income (ytd only)* | 74.6938% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,261 |
| Loan loss allowance to noncurrent loans | 60.1440% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 1,239 |
| Noncurrent loans to loans | 1.4033% | 1,087 |
| Net loans and leases to total assets | 72.9014% | 2,019 |
| Net loans and leases to deposits | 87.4757% | 1,999 |
| Net loans and leases to core deposits | 89.5407% | 2,582 |
| Total domestic deposits to total assets | 83.3390% | 3,048 |
| Equity capital to assets | 10.3118% | 3,704 |
| Core capital (leverage) ratio | 8.5319% | 4,933 |
| Tier 1 risk-based capital ratio | 11.2246% | 4,810 |
| Total risk-based capital ratio | 12.4347% | 4,715 |
| Memoranda: | ||
| Average total assets | $8,211,628,250 | 160 |
| Average earning assets | $7,399,717,250 | 157 |
| Average equity | $801,890,500 | 185 |
| Average total loans | $6,031,856,250 | 156 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 2,310 |
| Cost of funding earning assets | 0.8336% | 2,489 |
| Net interest margin | 3.8828% | 2,294 |
| Noninterest income to average assets | 1.0702% | 745 |
| Noninterest expense to average assets | 2.7805% | 2,662 |
| Loan and lease loss provision to assets | 0.1053% | 1,776 |
| Net operating income to assets | 1.3866% | 1,471 |
| Return on assets (ROA) | 1.3922% | 1,510 |
| Pretax return on assets | 1.6964% | 1,275 |
| Return on Equity (ROE) | 14.5494% | 863 |
| Retained earnings to average equity (ytd only) | 4.1707% | 3,163 |
| Net charge-offs to loans | 0.0524% | 1,896 |
| Credit loss provision to net charge-offs | 273.7419% | 952 |
| Earnings coverage of net charge-offs (x) | 46.6394% | 1,146 |
| Efficiency ratio | 60.2331% | 3,690 |
| Assets per employee ($millions) | 4.5225% | 3,104 |
| Cash dividends to net income (ytd only)* | 71.3343% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,395 |
| Loan loss allowance to noncurrent loans | 78.9940% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 1,763 |
| Noncurrent loans to loans | 1.0311% | 1,589 |
| Net loans and leases to total assets | 73.2005% | 2,024 |
| Net loans and leases to deposits | 88.8294% | 1,885 |
| Net loans and leases to core deposits | 91.6900% | 2,442 |
| Total domestic deposits to total assets | 82.4058% | 3,401 |
| Equity capital to assets | 10.1675% | 3,821 |
| Core capital (leverage) ratio | 8.6579% | 4,875 |
| Tier 1 risk-based capital ratio | 11.1475% | 4,850 |
| Total risk-based capital ratio | 12.3279% | 4,790 |
| Memoranda: | ||
| Average total assets | $8,055,255,670 | 161 |
| Average earning assets | $7,271,723,000 | 160 |
| Average equity | $770,808,330 | 189 |
| Average total loans | $5,915,058,000 | 158 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 2,618 |
| Cost of funding earning assets | 0.8083% | 2,488 |
| Net interest margin | 3.7683% | 2,638 |
| Noninterest income to average assets | 1.0624% | 712 |
| Noninterest expense to average assets | 2.6730% | 2,984 |
| Loan and lease loss provision to assets | 0.1255% | 1,400 |
| Net operating income to assets | 1.3706% | 1,454 |
| Return on assets (ROA) | 1.3728% | 1,483 |
| Pretax return on assets | 1.6754% | 1,272 |
| Return on Equity (ROE) | 14.8606% | 778 |
| Retained earnings to average equity (ytd only) | 3.7257% | 3,433 |
| Net charge-offs to loans | 0.0311% | 1,826 |
| Credit loss provision to net charge-offs | 550.7901% | 580 |
| Earnings coverage of net charge-offs (x) | 78.9278% | 776 |
| Efficiency ratio | 59.4497% | 3,883 |
| Assets per employee ($millions) | 4.4451% | 3,267 |
| Cash dividends to net income (ytd only)* | 74.9288% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,187 |
| Loan loss allowance to noncurrent loans | 75.9406% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 1,556 |
| Noncurrent loans to loans | 1.1757% | 1,411 |
| Net loans and leases to total assets | 72.6577% | 2,049 |
| Net loans and leases to deposits | 88.3097% | 1,834 |
| Net loans and leases to core deposits | 90.5812% | 2,432 |
| Total domestic deposits to total assets | 82.2760% | 3,651 |
| Equity capital to assets | 9.3437% | 4,395 |
| Core capital (leverage) ratio | 8.3258% | 5,094 |
| Tier 1 risk-based capital ratio | 11.0442% | 4,957 |
| Total risk-based capital ratio | 12.3557% | 4,839 |
| Memoranda: | ||
| Average total assets | $7,777,498,000 | 168 |
| Average earning assets | $7,035,741,500 | 165 |
| Average equity | $718,464,500 | 203 |
| Average total loans | $5,695,142,000 | 165 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 2,698 |
| Cost of funding earning assets | 0.6491% | 2,397 |
| Net interest margin | 3.7716% | 2,774 |
| Noninterest income to average assets | 1.2080% | 631 |
| Noninterest expense to average assets | 2.7365% | 2,909 |
| Loan and lease loss provision to assets | 0.1001% | 2,184 |
| Net operating income to assets | 1.4735% | 1,195 |
| Return on assets (ROA) | 1.4483% | 1,267 |
| Pretax return on assets | 1.7611% | 1,022 |
| Return on Equity (ROE) | 17.0818% | 484 |
| Retained earnings to average equity (ytd only) | 5.3790% | 2,547 |
| Net charge-offs to loans | 0.1123% | 1,626 |
| Credit loss provision to net charge-offs | 123.8992% | 2,112 |
| Earnings coverage of net charge-offs (x) | 23.4096% | 1,853 |
| Efficiency ratio | 58.9578% | 4,024 |
| Assets per employee ($millions) | 4.4435% | 3,248 |
| Cash dividends to net income (ytd only)* | 68.5107% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,311 |
| Loan loss allowance to noncurrent loans | 73.5516% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 1,551 |
| Noncurrent loans to loans | 1.1763% | 1,370 |
| Net loans and leases to total assets | 72.5062% | 2,177 |
| Net loans and leases to deposits | 88.7482% | 1,960 |
| Net loans and leases to core deposits | 91.7891% | 2,424 |
| Total domestic deposits to total assets | 81.6987% | 3,720 |
| Equity capital to assets | 9.1311% | 4,463 |
| Core capital (leverage) ratio | 8.2863% | 5,126 |
| Tier 1 risk-based capital ratio | 11.0109% | 4,977 |
| Total risk-based capital ratio | 12.2976% | 4,848 |
| Memoranda: | ||
| Average total assets | $7,558,549,800 | 166 |
| Average earning assets | $6,855,014,400 | 168 |
| Average equity | $640,868,200 | 207 |
| Average total loans | $5,439,128,400 | 166 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,810 |
| Cost of funding earning assets | 0.6221% | 2,320 |
| Net interest margin | 3.7218% | 2,934 |
| Noninterest income to average assets | 1.1864% | 668 |
| Noninterest expense to average assets | 2.6481% | 3,129 |
| Loan and lease loss provision to assets | 0.0797% | 2,363 |
| Net operating income to assets | 1.5139% | 1,163 |
| Return on assets (ROA) | 1.4807% | 1,244 |
| Pretax return on assets | 1.7971% | 1,020 |
| Return on Equity (ROE) | 17.8173% | 443 |
| Retained earnings to average equity (ytd only) | 6.0670% | 2,624 |
| Net charge-offs to loans | 0.1020% | 1,467 |
| Credit loss provision to net charge-offs | 109.0843% | 2,122 |
| Earnings coverage of net charge-offs (x) | 26.2310% | 1,754 |
| Efficiency ratio | 57.8907% | 4,142 |
| Assets per employee ($millions) | 4.3942% | 3,282 |
| Cash dividends to net income (ytd only)* | 65.9488% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,439 |
| Loan loss allowance to noncurrent loans | 73.7160% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 1,666 |
| Noncurrent loans to loans | 1.1611% | 1,451 |
| Net loans and leases to total assets | 72.1094% | 2,313 |
| Net loans and leases to deposits | 87.4700% | 2,215 |
| Net loans and leases to core deposits | 90.5012% | 2,619 |
| Total domestic deposits to total assets | 82.4390% | 3,480 |
| Equity capital to assets | 8.9728% | 4,570 |
| Core capital (leverage) ratio | 8.1556% | 5,272 |
| Tier 1 risk-based capital ratio | 10.9976% | 5,036 |
| Total risk-based capital ratio | 12.2767% | 4,923 |
| Memoranda: | ||
| Average total assets | $7,509,725,250 | 166 |
| Average earning assets | $6,818,003,750 | 167 |
| Average equity | $624,082,250 | 208 |
| Average total loans | $5,381,139,000 | 166 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 2,990 |
| Cost of funding earning assets | 0.5667% | 2,457 |
| Net interest margin | 3.6700% | 3,043 |
| Noninterest income to average assets | 1.1882% | 676 |
| Noninterest expense to average assets | 2.6108% | 3,297 |
| Loan and lease loss provision to assets | 0.0418% | 3,066 |
| Net operating income to assets | 1.5416% | 1,052 |
| Return on assets (ROA) | 1.4923% | 1,177 |
| Pretax return on assets | 1.8104% | 937 |
| Return on Equity (ROE) | 18.4652% | 378 |
| Retained earnings to average equity (ytd only) | 6.8293% | 2,154 |
| Net charge-offs to loans | 0.0774% | 1,552 |
| Credit loss provision to net charge-offs | 75.7915% | 2,298 |
| Earnings coverage of net charge-offs (x) | 34.6698% | 1,394 |
| Efficiency ratio | 57.7201% | 4,279 |
| Assets per employee ($millions) | 4.3684% | 3,322 |
| Cash dividends to net income (ytd only)* | 63.0154% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,394 |
| Loan loss allowance to noncurrent loans | 59.6684% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 1,333 |
| Noncurrent loans to loans | 1.4882% | 1,128 |
| Net loans and leases to total assets | 71.0151% | 2,433 |
| Net loans and leases to deposits | 85.8343% | 2,336 |
| Net loans and leases to core deposits | 88.6478% | 2,670 |
| Total domestic deposits to total assets | 82.7351% | 3,484 |
| Equity capital to assets | 8.1391% | 5,175 |
| Core capital (leverage) ratio | 7.9254% | 5,371 |
| Tier 1 risk-based capital ratio | 10.8450% | 5,131 |
| Total risk-based capital ratio | 12.1825% | 4,980 |
| Memoranda: | ||
| Average total assets | $7,443,809,000 | 167 |
| Average earning assets | $6,764,246,670 | 165 |
| Average equity | $601,584,670 | 211 |
| Average total loans | $5,306,253,000 | 166 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,037 |
| Cost of funding earning assets | 0.5345% | 2,514 |
| Net interest margin | 3.6228% | 3,098 |
| Noninterest income to average assets | 1.1876% | 648 |
| Noninterest expense to average assets | 2.6262% | 3,257 |
| Loan and lease loss provision to assets | -0.0036% | 5,395 |
| Net operating income to assets | 1.5320% | 1,001 |
| Return on assets (ROA) | 1.4334% | 1,253 |
| Pretax return on assets | 1.7376% | 1,028 |
| Return on Equity (ROE) | 17.7989% | 432 |
| Retained earnings to average equity (ytd only) | 7.8163% | 1,915 |
| Net charge-offs to loans | 0.0770% | 1,353 |
| Credit loss provision to net charge-offs | -6.5622% | 3,550 |
| Earnings coverage of net charge-offs (x) | 33.8874% | 1,169 |
| Efficiency ratio | 58.6136% | 4,272 |
| Assets per employee ($millions) | 4.3346% | 3,423 |
| Cash dividends to net income (ytd only)* | 56.0852% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,523 |
| Loan loss allowance to noncurrent loans | 71.3854% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.9391% | 1,687 |
| Noncurrent loans to loans | 1.2356% | 1,472 |
| Net loans and leases to total assets | 70.1180% | 2,467 |
| Net loans and leases to deposits | 84.6278% | 2,327 |
| Net loans and leases to core deposits | 111.1434% | 934 |
| Total domestic deposits to total assets | 82.8546% | 3,713 |
| Equity capital to assets | 7.9971% | 5,270 |
| Core capital (leverage) ratio | 7.8245% | 5,437 |
| Tier 1 risk-based capital ratio | 10.7740% | 5,255 |
| Total risk-based capital ratio | 12.1122% | 5,106 |
| Memoranda: | ||
| Average total assets | $7,463,464,000 | 167 |
| Average earning assets | $6,783,754,000 | 167 |
| Average equity | $601,048,500 | 210 |
| Average total loans | $5,306,670,000 | 164 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,377 |
| Cost of funding earning assets | 0.6197% | 1,473 |
| Net interest margin | 3.3887% | 3,887 |
| Noninterest income to average assets | 1.0123% | 992 |
| Noninterest expense to average assets | 2.3663% | 4,165 |
| Loan and lease loss provision to assets | 0.1299% | 1,766 |
| Net operating income to assets | 1.1461% | 1,691 |
| Return on assets (ROA) | 1.1461% | 1,729 |
| Pretax return on assets | 1.6039% | 1,280 |
| Return on Equity (ROE) | 14.5656% | 681 |
| Retained earnings to average equity (ytd only) | 4.5566% | 2,426 |
| Net charge-offs to loans | 0.2088% | 1,248 |
| Credit loss provision to net charge-offs | 89.3886% | 2,802 |
| Earnings coverage of net charge-offs (x) | 11.9294% | 2,520 |
| Efficiency ratio | 57.7122% | 4,560 |
| Assets per employee ($millions) | 4.3540% | 3,404 |
| Cash dividends to net income (ytd only)* | 68.7167% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,515 |
| Loan loss allowance to noncurrent loans | 77.3708% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 1,699 |
| Noncurrent loans to loans | 1.1524% | 1,544 |
| Net loans and leases to total assets | 70.8240% | 2,392 |
| Net loans and leases to deposits | 89.7379% | 1,807 |
| Net loans and leases to core deposits | 112.5338% | 869 |
| Total domestic deposits to total assets | 78.9232% | 4,560 |
| Equity capital to assets | 8.1092% | 5,346 |
| Core capital (leverage) ratio | 7.3579% | 5,576 |
| Tier 1 risk-based capital ratio | 10.3465% | 5,430 |
| Total risk-based capital ratio | 11.6000% | 5,345 |
| Memoranda: | ||
| Average total assets | $7,618,550,400 | 160 |
| Average earning assets | $6,942,021,600 | 155 |
| Average equity | $599,461,200 | 200 |
| Average total loans | $5,302,286,400 | 160 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 3,512 |
| Cost of funding earning assets | 0.6164% | 1,425 |
| Net interest margin | 3.3360% | 4,060 |
| Noninterest income to average assets | 0.9972% | 1,034 |
| Noninterest expense to average assets | 2.3280% | 4,221 |
| Loan and lease loss provision to assets | 0.1587% | 1,296 |
| Net operating income to assets | 1.0963% | 2,107 |
| Return on assets (ROA) | 1.0963% | 2,160 |
| Pretax return on assets | 1.5534% | 1,570 |
| Return on Equity (ROE) | 14.0377% | 823 |
| Retained earnings to average equity (ytd only) | 4.0022% | 3,542 |
| Net charge-offs to loans | 0.1261% | 1,522 |
| Credit loss provision to net charge-offs | 181.9888% | 1,453 |
| Earnings coverage of net charge-offs (x) | 19.6300% | 1,992 |
| Efficiency ratio | 57.6215% | 4,553 |
| Assets per employee ($millions) | 4.5086% | 3,122 |
| Cash dividends to net income (ytd only)* | 71.4898% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 4,108 |
| Loan loss allowance to noncurrent loans | 65.7786% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 1,485 |
| Noncurrent loans to loans | 1.5079% | 1,237 |
| Net loans and leases to total assets | 67.7235% | 2,881 |
| Net loans and leases to deposits | 87.2432% | 2,152 |
| Net loans and leases to core deposits | 113.6609% | 861 |
| Total domestic deposits to total assets | 77.6260% | 4,781 |
| Equity capital to assets | 7.8107% | 5,567 |
| Core capital (leverage) ratio | 7.0648% | 5,669 |
| Tier 1 risk-based capital ratio | 10.1838% | 5,556 |
| Total risk-based capital ratio | 11.6282% | 5,427 |
| Memoranda: | ||
| Average total assets | $7,655,335,500 | 162 |
| Average earning assets | $6,982,943,500 | 157 |
| Average equity | $597,859,250 | 200 |
| Average total loans | $5,293,067,750 | 162 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 3,521 |
| Cost of funding earning assets | 0.5868% | 1,532 |
| Net interest margin | 3.3236% | 4,039 |
| Noninterest income to average assets | 0.9697% | 1,088 |
| Noninterest expense to average assets | 2.3047% | 4,331 |
| Loan and lease loss provision to assets | 0.1392% | 1,481 |
| Net operating income to assets | 1.0948% | 2,001 |
| Return on assets (ROA) | 1.0948% | 2,059 |
| Pretax return on assets | 1.5566% | 1,471 |
| Return on Equity (ROE) | 14.0188% | 806 |
| Retained earnings to average equity (ytd only) | 3.9210% | 3,361 |
| Net charge-offs to loans | 0.0900% | 1,713 |
| Credit loss provision to net charge-offs | 222.7177% | 1,169 |
| Earnings coverage of net charge-offs (x) | 27.1401% | 1,547 |
| Efficiency ratio | 57.6114% | 4,648 |
| Assets per employee ($millions) | 4.4654% | 3,167 |
| Cash dividends to net income (ytd only)* | 72.0305% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,325 |
| Loan loss allowance to noncurrent loans | 64.7938% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 1,551 |
| Noncurrent loans to loans | 1.4973% | 1,257 |
| Net loans and leases to total assets | 67.9988% | 2,820 |
| Net loans and leases to deposits | 87.4130% | 2,054 |
| Net loans and leases to core deposits | 113.9328% | 802 |
| Total domestic deposits to total assets | 77.7902% | 4,847 |
| Equity capital to assets | 7.7565% | 5,606 |
| Core capital (leverage) ratio | 7.1619% | 5,698 |
| Tier 1 risk-based capital ratio | 10.1117% | 5,603 |
| Total risk-based capital ratio | 11.5404% | 5,480 |
| Memoranda: | ||
| Average total assets | $7,608,644,330 | 160 |
| Average earning assets | $6,938,415,000 | 159 |
| Average equity | $594,188,000 | 205 |
| Average total loans | $5,280,020,670 | 161 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,393 |
| Cost of funding earning assets | 0.5556% | 1,680 |
| Net interest margin | 3.3466% | 3,857 |
| Noninterest income to average assets | 0.9405% | 1,133 |
| Noninterest expense to average assets | 2.3261% | 4,338 |
| Loan and lease loss provision to assets | 0.0382% | 3,035 |
| Net operating income to assets | 1.1410% | 1,705 |
| Return on assets (ROA) | 1.1410% | 1,745 |
| Pretax return on assets | 1.6286% | 1,166 |
| Return on Equity (ROE) | 14.5594% | 712 |
| Retained earnings to average equity (ytd only) | 4.3950% | 3,228 |
| Net charge-offs to loans | 0.1156% | 1,243 |
| Credit loss provision to net charge-offs | 47.3996% | 2,012 |
| Earnings coverage of net charge-offs (x) | 20.6636% | 1,476 |
| Efficiency ratio | 58.2556% | 4,687 |
| Assets per employee ($millions) | 4.4551% | 3,243 |
| Cash dividends to net income (ytd only)* | 69.8129% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,723 |
| Loan loss allowance to noncurrent loans | 65.8113% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 1,775 |
| Noncurrent loans to loans | 1.3818% | 1,459 |
| Net loans and leases to total assets | 68.1519% | 2,658 |
| Net loans and leases to deposits | 86.8089% | 1,936 |
| Net loans and leases to core deposits | 111.9507% | 776 |
| Total domestic deposits to total assets | 78.5080% | 4,909 |
| Equity capital to assets | 7.7436% | 5,615 |
| Core capital (leverage) ratio | 7.2694% | 5,740 |
| Tier 1 risk-based capital ratio | 9.9239% | 5,716 |
| Total risk-based capital ratio | 11.2709% | 5,659 |
| Memoranda: | ||
| Average total assets | $7,532,564,500 | 162 |
| Average earning assets | $6,870,186,500 | 160 |
| Average equity | $590,300,500 | 203 |
| Average total loans | $5,255,556,500 | 162 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,332 |
| Cost of funding earning assets | 0.5565% | 1,629 |
| Net interest margin | 3.4081% | 3,797 |
| Noninterest income to average assets | 1.0201% | 1,087 |
| Noninterest expense to average assets | 2.4215% | 4,239 |
| Loan and lease loss provision to assets | 0.0356% | 3,655 |
| Net operating income to assets | 1.1517% | 1,689 |
| Return on assets (ROA) | 1.1517% | 1,781 |
| Pretax return on assets | 1.6666% | 1,090 |
| Return on Equity (ROE) | 14.4138% | 712 |
| Retained earnings to average equity (ytd only) | 4.1732% | 2,940 |
| Net charge-offs to loans | 0.1622% | 1,661 |
| Credit loss provision to net charge-offs | 31.5262% | 3,574 |
| Earnings coverage of net charge-offs (x) | 15.0709% | 2,235 |
| Efficiency ratio | 58.7217% | 4,756 |
| Assets per employee ($millions) | 4.3593% | 3,348 |
| Cash dividends to net income (ytd only)* | 71.0471% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,646 |
| Loan loss allowance to noncurrent loans | 64.1801% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 1,678 |
| Noncurrent loans to loans | 1.4520% | 1,397 |
| Net loans and leases to total assets | 70.1425% | 2,444 |
| Net loans and leases to deposits | 92.1090% | 1,441 |
| Net loans and leases to core deposits | 113.2485% | 726 |
| Total domestic deposits to total assets | 76.1516% | 5,228 |
| Equity capital to assets | 7.9332% | 5,590 |
| Core capital (leverage) ratio | 7.3377% | 5,772 |
| Tier 1 risk-based capital ratio | 9.8708% | 5,769 |
| Total risk-based capital ratio | 11.2417% | 5,697 |
| Memoranda: | ||
| Average total assets | $7,332,664,600 | 159 |
| Average earning assets | $6,677,410,400 | 156 |
| Average equity | $585,903,000 | 194 |
| Average total loans | $5,104,601,600 | 159 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,360 |
| Cost of funding earning assets | 0.5595% | 1,614 |
| Net interest margin | 3.4044% | 3,824 |
| Noninterest income to average assets | 1.0023% | 1,143 |
| Noninterest expense to average assets | 2.3034% | 4,525 |
| Loan and lease loss provision to assets | -0.0082% | 5,643 |
| Net operating income to assets | 1.2447% | 1,475 |
| Return on assets (ROA) | 1.2447% | 1,577 |
| Pretax return on assets | 1.8082% | 889 |
| Return on Equity (ROE) | 15.5497% | 601 |
| Retained earnings to average equity (ytd only) | 5.3066% | 2,621 |
| Net charge-offs to loans | 0.0639% | 2,437 |
| Credit loss provision to net charge-offs | -18.5185% | 4,630 |
| Earnings coverage of net charge-offs (x) | 40.6527% | 1,228 |
| Efficiency ratio | 56.1349% | 5,051 |
| Assets per employee ($millions) | 4.3071% | 3,403 |
| Cash dividends to net income (ytd only)* | 65.8733% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,396 |
| Loan loss allowance to noncurrent loans | 61.7227% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 1,587 |
| Noncurrent loans to loans | 1.6230% | 1,324 |
| Net loans and leases to total assets | 69.8110% | 2,518 |
| Net loans and leases to deposits | 90.5840% | 1,684 |
| Net loans and leases to core deposits | 113.8270% | 728 |
| Total domestic deposits to total assets | 77.0677% | 5,074 |
| Equity capital to assets | 8.2421% | 5,653 |
| Core capital (leverage) ratio | 7.2704% | 5,855 |
| Tier 1 risk-based capital ratio | 10.0710% | 5,768 |
| Total risk-based capital ratio | 11.5250% | 5,641 |
| Memoranda: | ||
| Average total assets | $7,317,478,750 | 160 |
| Average earning assets | $6,665,532,000 | 154 |
| Average equity | $585,745,000 | 194 |
| Average total loans | $5,072,076,000 | 159 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,448 |
| Cost of funding earning assets | 0.5547% | 1,658 |
| Net interest margin | 3.3906% | 3,930 |
| Noninterest income to average assets | 0.9758% | 1,184 |
| Noninterest expense to average assets | 2.2966% | 4,618 |
| Loan and lease loss provision to assets | 0.0791% | 2,564 |
| Net operating income to assets | 1.1695% | 1,699 |
| Return on assets (ROA) | 1.1695% | 1,801 |
| Pretax return on assets | 1.6907% | 1,116 |
| Return on Equity (ROE) | 14.7555% | 711 |
| Retained earnings to average equity (ytd only) | 4.4182% | 3,101 |
| Net charge-offs to loans | 0.0418% | 2,626 |
| Credit loss provision to net charge-offs | 274.4076% | 1,030 |
| Earnings coverage of net charge-offs (x) | 61.4227% | 859 |
| Efficiency ratio | 56.4778% | 5,090 |
| Assets per employee ($millions) | 4.2314% | 3,500 |
| Cash dividends to net income (ytd only)* | 70.0574% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,912 |
| Loan loss allowance to noncurrent loans | 57.6052% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 1,372 |
| Noncurrent loans to loans | 1.9207% | 1,053 |
| Net loans and leases to total assets | 68.2977% | 2,744 |
| Net loans and leases to deposits | 87.8537% | 2,015 |
| Net loans and leases to core deposits | 113.2080% | 761 |
| Total domestic deposits to total assets | 77.7402% | 5,046 |
| Equity capital to assets | 8.0569% | 5,788 |
| Core capital (leverage) ratio | 7.2074% | 5,927 |
| Tier 1 risk-based capital ratio | 10.0290% | 5,849 |
| Total risk-based capital ratio | 11.5978% | 5,657 |
| Memoranda: | ||
| Average total assets | $7,323,111,000 | 156 |
| Average earning assets | $6,675,034,000 | 155 |
| Average equity | $580,420,330 | 195 |
| Average total loans | $5,046,707,670 | 158 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,255 |
| Cost of funding earning assets | 0.5552% | 1,657 |
| Net interest margin | 3.4353% | 3,740 |
| Noninterest income to average assets | 0.9436% | 1,197 |
| Noninterest expense to average assets | 2.2659% | 4,747 |
| Loan and lease loss provision to assets | 0.0840% | 2,271 |
| Net operating income to assets | 1.1913% | 1,589 |
| Return on assets (ROA) | 1.1913% | 1,684 |
| Pretax return on assets | 1.7249% | 1,008 |
| Return on Equity (ROE) | 15.1564% | 645 |
| Retained earnings to average equity (ytd only) | 4.7008% | 3,119 |
| Net charge-offs to loans | 0.1066% | 1,489 |
| Credit loss provision to net charge-offs | 114.4030% | 1,479 |
| Earnings coverage of net charge-offs (x) | 24.6403% | 1,324 |
| Efficiency ratio | 55.6078% | 5,227 |
| Assets per employee ($millions) | 4.1874% | 3,607 |
| Cash dividends to net income (ytd only)* | 68.9845% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 4,122 |
| Loan loss allowance to noncurrent loans | 63.3312% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.2644% | 1,717 |
| Noncurrent loans to loans | 1.7177% | 1,308 |
| Net loans and leases to total assets | 67.4592% | 2,736 |
| Net loans and leases to deposits | 87.0844% | 1,931 |
| Net loans and leases to core deposits | 110.1919% | 847 |
| Total domestic deposits to total assets | 77.4642% | 5,223 |
| Equity capital to assets | 7.9168% | 5,852 |
| Core capital (leverage) ratio | 7.0926% | 5,987 |
| Tier 1 risk-based capital ratio | 10.0095% | 5,913 |
| Total risk-based capital ratio | 11.5616% | 5,751 |
| Memoranda: | ||
| Average total assets | $7,301,199,000 | 159 |
| Average earning assets | $6,655,058,500 | 154 |
| Average equity | $573,857,500 | 196 |
| Average total loans | $5,026,193,000 | 156 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 3,552 |
| Cost of funding earning assets | 0.5588% | 1,687 |
| Net interest margin | 3.3849% | 3,964 |
| Noninterest income to average assets | 1.0478% | 1,074 |
| Noninterest expense to average assets | 2.3367% | 4,685 |
| Loan and lease loss provision to assets | 0.1069% | 2,205 |
| Net operating income to assets | 1.1760% | 1,648 |
| Return on assets (ROA) | 1.1768% | 1,716 |
| Pretax return on assets | 1.6872% | 1,033 |
| Return on Equity (ROE) | 15.1680% | 662 |
| Retained earnings to average equity (ytd only) | 4.3780% | 2,858 |
| Net charge-offs to loans | 0.1067% | 2,323 |
| Credit loss provision to net charge-offs | 147.0645% | 1,810 |
| Earnings coverage of net charge-offs (x) | 24.6552% | 1,659 |
| Efficiency ratio | 56.5837% | 5,289 |
| Assets per employee ($millions) | 4.1118% | 3,735 |
| Cash dividends to net income (ytd only)* | 71.1364% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 4,134 |
| Loan loss allowance to noncurrent loans | 67.0356% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 1,759 |
| Noncurrent loans to loans | 1.6153% | 1,419 |
| Net loans and leases to total assets | 68.7391% | 2,580 |
| Net loans and leases to deposits | 91.3197% | 1,473 |
| Net loans and leases to core deposits | 111.6754% | 789 |
| Total domestic deposits to total assets | 75.2730% | 5,524 |
| Equity capital to assets | 7.8017% | 5,921 |
| Core capital (leverage) ratio | 7.0626% | 6,044 |
| Tier 1 risk-based capital ratio | 9.8293% | 5,987 |
| Total risk-based capital ratio | 11.3692% | 5,848 |
| Memoranda: | ||
| Average total assets | $7,167,160,400 | 149 |
| Average earning assets | $6,525,449,600 | 145 |
| Average equity | $556,072,000 | 193 |
| Average total loans | $4,883,597,200 | 151 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,624 |
| Cost of funding earning assets | 0.5614% | 1,703 |
| Net interest margin | 3.3704% | 4,079 |
| Noninterest income to average assets | 1.0523% | 1,079 |
| Noninterest expense to average assets | 2.3247% | 4,722 |
| Loan and lease loss provision to assets | 0.1367% | 1,637 |
| Net operating income to assets | 1.1412% | 1,859 |
| Return on assets (ROA) | 1.1412% | 1,925 |
| Pretax return on assets | 1.6597% | 1,214 |
| Return on Equity (ROE) | 14.7302% | 765 |
| Retained earnings to average equity (ytd only) | 3.8990% | 3,693 |
| Net charge-offs to loans | 0.0805% | 2,405 |
| Credit loss provision to net charge-offs | 250.4785% | 1,135 |
| Earnings coverage of net charge-offs (x) | 32.9214% | 1,408 |
| Efficiency ratio | 56.4107% | 5,295 |
| Assets per employee ($millions) | 4.0814% | 3,734 |
| Cash dividends to net income (ytd only)* | 73.5306% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,017 |
| Loan loss allowance to noncurrent loans | 74.5381% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 2,059 |
| Noncurrent loans to loans | 1.5255% | 1,642 |
| Net loans and leases to total assets | 67.8464% | 2,699 |
| Net loans and leases to deposits | 88.2924% | 1,861 |
| Net loans and leases to core deposits | 111.2610% | 800 |
| Total domestic deposits to total assets | 76.8429% | 5,369 |
| Equity capital to assets | 7.8125% | 6,017 |
| Core capital (leverage) ratio | 6.8937% | 6,146 |
| Tier 1 risk-based capital ratio | 9.9389% | 6,060 |
| Total risk-based capital ratio | 11.5597% | 5,884 |
| Memoranda: | ||
| Average total assets | $7,149,771,250 | 150 |
| Average earning assets | $6,509,880,000 | 147 |
| Average equity | $553,942,750 | 196 |
| Average total loans | $4,847,269,750 | 154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 3,634 |
| Cost of funding earning assets | 0.5640% | 1,691 |
| Net interest margin | 3.3502% | 4,107 |
| Noninterest income to average assets | 1.0313% | 1,119 |
| Noninterest expense to average assets | 2.2887% | 4,871 |
| Loan and lease loss provision to assets | 0.1331% | 1,645 |
| Net operating income to assets | 1.1368% | 1,817 |
| Return on assets (ROA) | 1.1368% | 1,896 |
| Pretax return on assets | 1.6581% | 1,173 |
| Return on Equity (ROE) | 14.7148% | 780 |
| Retained earnings to average equity (ytd only) | 3.8128% | 3,578 |
| Net charge-offs to loans | 0.0624% | 2,486 |
| Credit loss provision to net charge-offs | 316.1333% | 898 |
| Earnings coverage of net charge-offs (x) | 42.5340% | 1,084 |
| Efficiency ratio | 56.0959% | 5,418 |
| Assets per employee ($millions) | 4.0332% | 3,819 |
| Cash dividends to net income (ytd only)* | 74.0887% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 4,151 |
| Loan loss allowance to noncurrent loans | 69.2542% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 2,065 |
| Noncurrent loans to loans | 1.6412% | 1,594 |
| Net loans and leases to total assets | 66.4450% | 2,878 |
| Net loans and leases to deposits | 85.5711% | 2,097 |
| Net loans and leases to core deposits | 107.1261% | 1,017 |
| Total domestic deposits to total assets | 77.6489% | 5,350 |
| Equity capital to assets | 7.6387% | 6,088 |
| Core capital (leverage) ratio | 6.9501% | 6,197 |
| Tier 1 risk-based capital ratio | 9.9855% | 6,095 |
| Total risk-based capital ratio | 11.6094% | 5,912 |
| Memoranda: | ||
| Average total assets | $7,123,637,670 | 152 |
| Average earning assets | $6,482,468,670 | 148 |
| Average equity | $550,357,000 | 200 |
| Average total loans | $4,809,540,000 | 155 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 3,526 |
| Cost of funding earning assets | 0.5740% | 1,626 |
| Net interest margin | 3.3439% | 4,045 |
| Noninterest income to average assets | 1.0191% | 1,077 |
| Noninterest expense to average assets | 2.3724% | 4,678 |
| Loan and lease loss provision to assets | 0.1144% | 1,804 |
| Net operating income to assets | 1.0840% | 1,923 |
| Return on assets (ROA) | 1.0840% | 2,036 |
| Pretax return on assets | 1.5774% | 1,324 |
| Return on Equity (ROE) | 13.9506% | 889 |
| Retained earnings to average equity (ytd only) | 3.0284% | 4,165 |
| Net charge-offs to loans | 0.0737% | 1,972 |
| Credit loss provision to net charge-offs | 229.5119% | 963 |
| Earnings coverage of net charge-offs (x) | 33.9398% | 1,072 |
| Efficiency ratio | 58.3737% | 5,296 |
| Assets per employee ($millions) | 4.0979% | 3,759 |
| Cash dividends to net income (ytd only)* | 78.2922% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 4,459 |
| Loan loss allowance to noncurrent loans | 69.5117% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 2,234 |
| Noncurrent loans to loans | 1.5971% | 1,751 |
| Net loans and leases to total assets | 65.5197% | 2,847 |
| Net loans and leases to deposits | 84.4289% | 2,013 |
| Net loans and leases to core deposits | 105.3868% | 982 |
| Total domestic deposits to total assets | 77.6034% | 5,515 |
| Equity capital to assets | 7.6729% | 6,131 |
| Core capital (leverage) ratio | 6.9193% | 6,243 |
| Tier 1 risk-based capital ratio | 10.0719% | 6,154 |
| Total risk-based capital ratio | 11.6878% | 5,989 |
| Memoranda: | ||
| Average total assets | $7,069,704,000 | 151 |
| Average earning assets | $6,438,082,000 | 147 |
| Average equity | $549,337,500 | 196 |
| Average total loans | $4,784,201,500 | 152 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,083 |
| Cost of funding earning assets | 0.5834% | 1,919 |
| Net interest margin | 3.5766% | 3,484 |
| Noninterest income to average assets | 1.0450% | 1,123 |
| Noninterest expense to average assets | 2.5385% | 4,427 |
| Loan and lease loss provision to assets | 0.0521% | 3,514 |
| Net operating income to assets | 1.2426% | 1,458 |
| Return on assets (ROA) | 1.2301% | 1,548 |
| Pretax return on assets | 1.6760% | 1,040 |
| Return on Equity (ROE) | 15.7815% | 651 |
| Retained earnings to average equity (ytd only) | 4.3787% | 3,063 |
| Net charge-offs to loans | 0.1801% | 2,227 |
| Credit loss provision to net charge-offs | 41.8441% | 3,641 |
| Earnings coverage of net charge-offs (x) | 14.0176% | 2,210 |
| Efficiency ratio | 59.2583% | 5,312 |
| Assets per employee ($millions) | 3.9022% | 4,161 |
| Cash dividends to net income (ytd only)* | 72.2543% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 4,602 |
| Loan loss allowance to noncurrent loans | 67.4563% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2694% | 2,222 |
| Noncurrent loans to loans | 1.6121% | 1,817 |
| Net loans and leases to total assets | 68.3999% | 2,501 |
| Net loans and leases to deposits | 90.5591% | 1,459 |
| Net loans and leases to core deposits | 107.9770% | 893 |
| Total domestic deposits to total assets | 75.5307% | 5,804 |
| Equity capital to assets | 7.8721% | 6,120 |
| Core capital (leverage) ratio | 6.9617% | 6,318 |
| Tier 1 risk-based capital ratio | 10.1335% | 6,220 |
| Total risk-based capital ratio | 11.7443% | 6,043 |
| Memoranda: | ||
| Average total assets | $6,750,589,400 | 152 |
| Average earning assets | $6,113,060,200 | 147 |
| Average equity | $526,184,200 | 197 |
| Average total loans | $4,666,476,200 | 149 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 3,085 |
| Cost of funding earning assets | 0.5750% | 2,063 |
| Net interest margin | 3.5960% | 3,444 |
| Noninterest income to average assets | 1.0534% | 1,109 |
| Noninterest expense to average assets | 2.4882% | 4,566 |
| Loan and lease loss provision to assets | 0.1604% | 1,553 |
| Net operating income to assets | 1.2126% | 1,636 |
| Return on assets (ROA) | 1.2128% | 1,700 |
| Pretax return on assets | 1.6599% | 1,163 |
| Return on Equity (ROE) | 15.6000% | 730 |
| Retained earnings to average equity (ytd only) | 4.0982% | 3,734 |
| Net charge-offs to loans | 0.2798% | 1,407 |
| Credit loss provision to net charge-offs | 82.9138% | 2,544 |
| Earnings coverage of net charge-offs (x) | 9.4098% | 2,677 |
| Efficiency ratio | 57.7553% | 5,478 |
| Assets per employee ($millions) | 3.9104% | 4,063 |
| Cash dividends to net income (ytd only)* | 73.7294% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 4,418 |
| Loan loss allowance to noncurrent loans | 60.3137% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.4260% | 2,163 |
| Noncurrent loans to loans | 1.9300% | 1,658 |
| Net loans and leases to total assets | 67.7851% | 2,572 |
| Net loans and leases to deposits | 89.3534% | 1,498 |
| Net loans and leases to core deposits | 105.0530% | 1,022 |
| Total domestic deposits to total assets | 75.8617% | 5,839 |
| Equity capital to assets | 7.7588% | 6,225 |
| Core capital (leverage) ratio | 7.1134% | 6,369 |
| Tier 1 risk-based capital ratio | 10.0148% | 6,342 |
| Total risk-based capital ratio | 11.6969% | 6,172 |
| Memoranda: | ||
| Average total assets | $6,709,547,250 | 151 |
| Average earning assets | $6,072,822,250 | 146 |
| Average equity | $521,646,500 | 197 |
| Average total loans | $4,637,672,500 | 148 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,967 |
| Cost of funding earning assets | 0.5806% | 2,066 |
| Net interest margin | 3.6152% | 3,299 |
| Noninterest income to average assets | 1.0420% | 1,091 |
| Noninterest expense to average assets | 2.5388% | 4,455 |
| Loan and lease loss provision to assets | 0.0465% | 3,378 |
| Net operating income to assets | 1.2585% | 1,422 |
| Return on assets (ROA) | 1.2589% | 1,486 |
| Pretax return on assets | 1.7219% | 974 |
| Return on Equity (ROE) | 16.1803% | 640 |
| Retained earnings to average equity (ytd only) | 4.5665% | 3,262 |
| Net charge-offs to loans | 0.1295% | 2,371 |
| Credit loss provision to net charge-offs | 51.7785% | 2,770 |
| Earnings coverage of net charge-offs (x) | 19.6960% | 1,611 |
| Efficiency ratio | 58.9507% | 5,436 |
| Assets per employee ($millions) | 3.7192% | 4,418 |
| Cash dividends to net income (ytd only)* | 71.7772% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 4,496 |
| Loan loss allowance to noncurrent loans | 59.5748% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 2,164 |
| Noncurrent loans to loans | 1.9889% | 1,694 |
| Net loans and leases to total assets | 69.1160% | 2,220 |
| Net loans and leases to deposits | 91.7222% | 1,185 |
| Net loans and leases to core deposits | 100.2759% | 1,260 |
| Total domestic deposits to total assets | 75.3536% | 5,986 |
| Equity capital to assets | 8.0009% | 6,157 |
| Core capital (leverage) ratio | 7.1907% | 6,396 |
| Tier 1 risk-based capital ratio | 10.0659% | 6,380 |
| Total risk-based capital ratio | 11.7766% | 6,186 |
| Memoranda: | ||
| Average total assets | $6,640,255,670 | 150 |
| Average earning assets | $5,996,212,670 | 147 |
| Average equity | $516,626,670 | 198 |
| Average total loans | $4,602,162,330 | 149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 3,136 |
| Cost of funding earning assets | 0.5846% | 2,121 |
| Net interest margin | 3.5545% | 3,460 |
| Noninterest income to average assets | 0.9495% | 1,258 |
| Noninterest expense to average assets | 2.5585% | 4,419 |
| Loan and lease loss provision to assets | -0.0085% | 6,393 |
| Net operating income to assets | 1.1856% | 1,525 |
| Return on assets (ROA) | 1.1856% | 1,593 |
| Pretax return on assets | 1.6103% | 1,150 |
| Return on Equity (ROE) | 15.4606% | 711 |
| Retained earnings to average equity (ytd only) | 3.6327% | 3,952 |
| Net charge-offs to loans | -0.0918% | 6,088 |
| Credit loss provision to net charge-offs | 13.3715% | 2,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4968% | 5,201 |
| Assets per employee ($millions) | 3.7528% | 4,416 |
| Cash dividends to net income (ytd only)* | 76.5033% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,306 |
| Loan loss allowance to noncurrent loans | 60.2483% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6175% | 2,179 |
| Noncurrent loans to loans | 2.1003% | 1,754 |
| Net loans and leases to total assets | 67.2804% | 2,340 |
| Net loans and leases to deposits | 88.7122% | 1,284 |
| Net loans and leases to core deposits | 97.3782% | 1,287 |
| Total domestic deposits to total assets | 75.8412% | 6,088 |
| Equity capital to assets | 7.6842% | 6,239 |
| Core capital (leverage) ratio | 7.0983% | 6,449 |
| Tier 1 risk-based capital ratio | 10.1486% | 6,440 |
| Total risk-based capital ratio | 11.9439% | 6,238 |
| Memoranda: | ||
| Average total assets | $6,614,986,500 | 149 |
| Average earning assets | $5,975,458,500 | 149 |
| Average equity | $507,276,500 | 203 |
| Average total loans | $4,563,312,500 | 148 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,150 |
| Cost of funding earning assets | 0.6343% | 2,343 |
| Net interest margin | 3.6160% | 3,390 |
| Noninterest income to average assets | 1.0816% | 1,211 |
| Noninterest expense to average assets | 2.5287% | 4,675 |
| Loan and lease loss provision to assets | 0.2143% | 1,707 |
| Net operating income to assets | 1.2079% | 1,531 |
| Return on assets (ROA) | 1.1541% | 1,808 |
| Pretax return on assets | 1.5551% | 1,282 |
| Return on Equity (ROE) | 16.7915% | 525 |
| Retained earnings to average equity (ytd only) | 13.4596% | 224 |
| Net charge-offs to loans | 0.2311% | 2,609 |
| Credit loss provision to net charge-offs | 136.5396% | 1,715 |
| Earnings coverage of net charge-offs (x) | 11.6148% | 2,218 |
| Efficiency ratio | 57.9866% | 5,738 |
| Assets per employee ($millions) | 3.6405% | 4,595 |
| Cash dividends to net income (ytd only)* | 19.8428% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,399 |
| Loan loss allowance to noncurrent loans | 57.9880% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6778% | 2,201 |
| Noncurrent loans to loans | 2.1517% | 1,825 |
| Net loans and leases to total assets | 68.9773% | 2,179 |
| Net loans and leases to deposits | 91.9542% | 1,055 |
| Net loans and leases to core deposits | 101.5147% | 1,059 |
| Total domestic deposits to total assets | 75.0127% | 6,195 |
| Equity capital to assets | 7.6525% | 6,207 |
| Core capital (leverage) ratio | 7.0953% | 6,506 |
| Tier 1 risk-based capital ratio | 10.0058% | 6,518 |
| Total risk-based capital ratio | 11.7806% | 6,314 |
| Memoranda: | ||
| Average total assets | $6,549,947,800 | 147 |
| Average earning assets | $5,923,917,600 | 145 |
| Average equity | $450,192,400 | 212 |
| Average total loans | $4,449,175,000 | 145 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 3,232 |
| Cost of funding earning assets | 0.6412% | 2,444 |
| Net interest margin | 3.5995% | 3,448 |
| Noninterest income to average assets | 1.0813% | 1,254 |
| Noninterest expense to average assets | 2.4519% | 4,871 |
| Loan and lease loss provision to assets | 0.2357% | 1,529 |
| Net operating income to assets | 1.2414% | 1,505 |
| Return on assets (ROA) | 1.1697% | 1,813 |
| Pretax return on assets | 1.5811% | 1,385 |
| Return on Equity (ROE) | 17.5122% | 488 |
| Retained earnings to average equity (ytd only) | 17.5122% | 118 |
| Net charge-offs to loans | 0.2803% | 2,146 |
| Credit loss provision to net charge-offs | 124.6746% | 1,891 |
| Earnings coverage of net charge-offs (x) | 9.9878% | 2,411 |
| Efficiency ratio | 56.3314% | 5,864 |
| Assets per employee ($millions) | 3.6840% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 4,742 |
| Loan loss allowance to noncurrent loans | 57.6809% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 2,482 |
| Noncurrent loans to loans | 2.1315% | 2,096 |
| Net loans and leases to total assets | 67.5590% | 2,358 |
| Net loans and leases to deposits | 89.8387% | 1,186 |
| Net loans and leases to core deposits | 99.7004% | 1,141 |
| Total domestic deposits to total assets | 75.2003% | 6,257 |
| Equity capital to assets | 7.2907% | 6,463 |
| Core capital (leverage) ratio | 6.9936% | 6,588 |
| Tier 1 risk-based capital ratio | 9.9552% | 6,603 |
| Total risk-based capital ratio | 11.7031% | 6,439 |
| Memoranda: | ||
| Average total assets | $6,555,573,750 | 146 |
| Average earning assets | $5,935,723,250 | 142 |
| Average equity | $437,861,750 | 213 |
| Average total loans | $4,421,632,500 | 142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,158 |
| Cost of funding earning assets | 0.6482% | 2,512 |
| Net interest margin | 3.6007% | 3,353 |
| Noninterest income to average assets | 1.1127% | 1,228 |
| Noninterest expense to average assets | 2.4666% | 4,849 |
| Loan and lease loss provision to assets | 0.1605% | 2,318 |
| Net operating income to assets | 1.3025% | 1,316 |
| Return on assets (ROA) | 1.2305% | 1,616 |
| Pretax return on assets | 1.6764% | 1,169 |
| Return on Equity (ROE) | 19.0074% | 382 |
| Retained earnings to average equity (ytd only) | 19.0074% | 105 |
| Net charge-offs to loans | 0.2590% | 2,171 |
| Credit loss provision to net charge-offs | 92.3185% | 2,385 |
| Earnings coverage of net charge-offs (x) | 10.9789% | 2,100 |
| Efficiency ratio | 56.2166% | 5,941 |
| Assets per employee ($millions) | 3.6021% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,061 |
| Loan loss allowance to noncurrent loans | 52.0476% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 2,458 |
| Noncurrent loans to loans | 2.2795% | 2,080 |
| Net loans and leases to total assets | 67.3151% | 2,361 |
| Net loans and leases to deposits | 88.7748% | 1,258 |
| Net loans and leases to core deposits | 98.3293% | 1,185 |
| Total domestic deposits to total assets | 75.8268% | 6,267 |
| Equity capital to assets | 6.5837% | 6,669 |
| Core capital (leverage) ratio | 7.0538% | 6,599 |
| Tier 1 risk-based capital ratio | 10.0528% | 6,622 |
| Total risk-based capital ratio | 11.9056% | 6,433 |
| Memoranda: | ||
| Average total assets | $6,543,858,670 | 146 |
| Average earning assets | $5,929,825,670 | 141 |
| Average equity | $423,645,330 | 219 |
| Average total loans | $4,392,826,670 | 143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,991 |
| Cost of funding earning assets | 0.6525% | 2,632 |
| Net interest margin | 3.6254% | 3,162 |
| Noninterest income to average assets | 1.0904% | 1,241 |
| Noninterest expense to average assets | 2.4596% | 4,913 |
| Loan and lease loss provision to assets | 0.1910% | 1,927 |
| Net operating income to assets | 1.2884% | 1,311 |
| Return on assets (ROA) | 1.2166% | 1,590 |
| Pretax return on assets | 1.6553% | 1,178 |
| Return on Equity (ROE) | 18.9523% | 360 |
| Retained earnings to average equity (ytd only) | 18.9523% | 168 |
| Net charge-offs to loans | 0.3077% | 1,730 |
| Credit loss provision to net charge-offs | 93.1548% | 1,967 |
| Earnings coverage of net charge-offs (x) | 9.3560% | 1,844 |
| Efficiency ratio | 56.0300% | 6,063 |
| Assets per employee ($millions) | 3.7187% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 5,129 |
| Loan loss allowance to noncurrent loans | 51.7734% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.7660% | 2,642 |
| Noncurrent loans to loans | 2.3391% | 2,234 |
| Net loans and leases to total assets | 65.2665% | 2,500 |
| Net loans and leases to deposits | 86.2160% | 1,330 |
| Net loans and leases to core deposits | 95.5029% | 1,230 |
| Total domestic deposits to total assets | 75.7012% | 6,393 |
| Equity capital to assets | 6.4971% | 6,791 |
| Core capital (leverage) ratio | 6.7240% | 6,710 |
| Tier 1 risk-based capital ratio | 9.7782% | 6,723 |
| Total risk-based capital ratio | 11.6690% | 6,586 |
| Memoranda: | ||
| Average total assets | $6,555,905,000 | 148 |
| Average earning assets | $5,944,343,000 | 144 |
| Average equity | $420,847,000 | 226 |
| Average total loans | $4,368,498,000 | 147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 2,983 |
| Cost of funding earning assets | 0.7628% | 2,987 |
| Net interest margin | 3.8406% | 3,059 |
| Noninterest income to average assets | 1.0878% | 1,309 |
| Noninterest expense to average assets | 2.4062% | 5,390 |
| Loan and lease loss provision to assets | 0.2565% | 2,597 |
| Net operating income to assets | 1.4119% | 1,078 |
| Return on assets (ROA) | 1.3395% | 1,340 |
| Pretax return on assets | 1.8333% | 864 |
| Return on Equity (ROE) | 20.6346% | 278 |
| Retained earnings to average equity (ytd only) | 0.7358% | 5,499 |
| Net charge-offs to loans | 0.4442% | 2,451 |
| Credit loss provision to net charge-offs | 87.9827% | 3,553 |
| Earnings coverage of net charge-offs (x) | 7.4170% | 2,609 |
| Efficiency ratio | 52.4843% | 6,423 |
| Assets per employee ($millions) | 3.6496% | 4,676 |
| Cash dividends to net income (ytd only)* | 96.4342% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 5,041 |
| Loan loss allowance to noncurrent loans | 52.5618% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.7815% | 2,736 |
| Noncurrent loans to loans | 2.3137% | 2,336 |
| Net loans and leases to total assets | 66.3948% | 2,468 |
| Net loans and leases to deposits | 89.6463% | 1,105 |
| Net loans and leases to core deposits | 100.1318% | 1,017 |
| Total domestic deposits to total assets | 74.0631% | 6,522 |
| Equity capital to assets | 6.3402% | 6,858 |
| Core capital (leverage) ratio | 6.4317% | 6,805 |
| Tier 1 risk-based capital ratio | 9.2827% | 6,827 |
| Total risk-based capital ratio | 11.1716% | 6,687 |
| Memoranda: | ||
| Average total assets | $6,502,731,000 | 147 |
| Average earning assets | $5,893,088,000 | 144 |
| Average equity | $422,135,800 | 223 |
| Average total loans | $4,267,172,800 | 140 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 3,081 |
| Cost of funding earning assets | 0.7774% | 3,138 |
| Net interest margin | 3.8573% | 3,091 |
| Noninterest income to average assets | 1.0766% | 1,299 |
| Noninterest expense to average assets | 2.3554% | 5,530 |
| Loan and lease loss provision to assets | 0.2574% | 2,515 |
| Net operating income to assets | 1.4483% | 1,128 |
| Return on assets (ROA) | 1.3759% | 1,411 |
| Pretax return on assets | 1.8902% | 892 |
| Return on Equity (ROE) | 21.0720% | 278 |
| Retained earnings to average equity (ytd only) | 4.1169% | 4,006 |
| Net charge-offs to loans | 0.4657% | 2,241 |
| Credit loss provision to net charge-offs | 84.7203% | 3,472 |
| Earnings coverage of net charge-offs (x) | 7.3080% | 2,621 |
| Efficiency ratio | 51.2936% | 6,506 |
| Assets per employee ($millions) | 3.7233% | 4,496 |
| Cash dividends to net income (ytd only)* | 80.4625% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,130 |
| Loan loss allowance to noncurrent loans | 52.2284% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 2,982 |
| Noncurrent loans to loans | 2.3606% | 2,446 |
| Net loans and leases to total assets | 64.4557% | 2,940 |
| Net loans and leases to deposits | 86.9627% | 1,488 |
| Net loans and leases to core deposits | 97.9923% | 1,263 |
| Total domestic deposits to total assets | 74.1187% | 6,593 |
| Equity capital to assets | 6.5565% | 6,936 |
| Core capital (leverage) ratio | 6.5282% | 6,880 |
| Tier 1 risk-based capital ratio | 9.5643% | 6,889 |
| Total risk-based capital ratio | 11.4310% | 6,734 |
| Memoranda: | ||
| Average total assets | $6,503,411,750 | 144 |
| Average earning assets | $5,899,111,500 | 144 |
| Average equity | $424,640,750 | 224 |
| Average total loans | $4,241,765,750 | 137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 2,971 |
| Cost of funding earning assets | 0.7925% | 3,252 |
| Net interest margin | 3.8942% | 2,932 |
| Noninterest income to average assets | 1.0623% | 1,271 |
| Noninterest expense to average assets | 2.3276% | 5,666 |
| Loan and lease loss provision to assets | 0.2605% | 2,493 |
| Net operating income to assets | 1.4653% | 1,055 |
| Return on assets (ROA) | 1.3925% | 1,347 |
| Pretax return on assets | 1.9303% | 801 |
| Return on Equity (ROE) | 21.3563% | 271 |
| Retained earnings to average equity (ytd only) | 4.2879% | 3,756 |
| Net charge-offs to loans | 0.3579% | 2,584 |
| Credit loss provision to net charge-offs | 111.6439% | 2,437 |
| Earnings coverage of net charge-offs (x) | 9.6996% | 2,139 |
| Efficiency ratio | 50.5100% | 6,603 |
| Assets per employee ($millions) | 3.7581% | 4,405 |
| Cash dividends to net income (ytd only)* | 79.9219% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,829 |
| Loan loss allowance to noncurrent loans | 52.0944% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 2,957 |
| Noncurrent loans to loans | 2.5239% | 2,391 |
| Net loans and leases to total assets | 64.6087% | 2,907 |
| Net loans and leases to deposits | 85.9162% | 1,610 |
| Net loans and leases to core deposits | 96.7831% | 1,374 |
| Total domestic deposits to total assets | 75.1997% | 6,567 |
| Equity capital to assets | 6.5461% | 6,974 |
| Core capital (leverage) ratio | 6.5321% | 6,920 |
| Tier 1 risk-based capital ratio | 9.4788% | 6,927 |
| Total risk-based capital ratio | 11.4037% | 6,767 |
| Memoranda: | ||
| Average total assets | $6,469,514,000 | 146 |
| Average earning assets | $5,862,672,670 | 145 |
| Average equity | $421,833,330 | 223 |
| Average total loans | $4,218,851,330 | 137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 2,996 |
| Cost of funding earning assets | 0.8050% | 3,434 |
| Net interest margin | 3.9099% | 2,885 |
| Noninterest income to average assets | 1.0357% | 1,346 |
| Noninterest expense to average assets | 2.3650% | 5,583 |
| Loan and lease loss provision to assets | 0.2904% | 2,144 |
| Net operating income to assets | 1.4134% | 1,199 |
| Return on assets (ROA) | 1.3403% | 1,507 |
| Pretax return on assets | 1.8497% | 975 |
| Return on Equity (ROE) | 20.5969% | 345 |
| Retained earnings to average equity (ytd only) | 3.4018% | 4,527 |
| Net charge-offs to loans | 0.2553% | 2,647 |
| Credit loss provision to net charge-offs | 174.7849% | 1,463 |
| Earnings coverage of net charge-offs (x) | 13.3202% | 1,545 |
| Efficiency ratio | 51.4678% | 6,583 |
| Assets per employee ($millions) | 3.8458% | 4,332 |
| Cash dividends to net income (ytd only)* | 83.4841% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 4,745 |
| Loan loss allowance to noncurrent loans | 55.4838% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.7738% | 3,205 |
| Noncurrent loans to loans | 2.4616% | 2,647 |
| Net loans and leases to total assets | 62.9326% | 3,058 |
| Net loans and leases to deposits | 83.5671% | 1,723 |
| Net loans and leases to core deposits | 93.5486% | 1,501 |
| Total domestic deposits to total assets | 75.3079% | 6,611 |
| Equity capital to assets | 6.3697% | 7,034 |
| Core capital (leverage) ratio | 6.5272% | 6,965 |
| Tier 1 risk-based capital ratio | 9.4347% | 6,974 |
| Total risk-based capital ratio | 11.3657% | 6,842 |
| Memoranda: | ||
| Average total assets | $6,434,760,000 | 148 |
| Average earning assets | $5,830,291,500 | 144 |
| Average equity | $418,723,000 | 221 |
| Average total loans | $4,187,744,500 | 138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 2,982 |
| Cost of funding earning assets | 0.8643% | 4,360 |
| Net interest margin | 4.1140% | 2,371 |
| Noninterest income to average assets | 1.0437% | 1,237 |
| Noninterest expense to average assets | 2.2656% | 6,134 |
| Loan and lease loss provision to assets | 0.4683% | 2,261 |
| Net operating income to assets | 1.4652% | 894 |
| Return on assets (ROA) | 1.6560% | 640 |
| Pretax return on assets | 2.3358% | 277 |
| Return on Equity (ROE) | 25.2255% | 101 |
| Retained earnings to average equity (ytd only) | 0.4370% | 5,627 |
| Net charge-offs to loans | 1.1601% | 1,463 |
| Credit loss provision to net charge-offs | 63.2615% | 5,078 |
| Earnings coverage of net charge-offs (x) | 3.3915% | 3,539 |
| Efficiency ratio | 47.2526% | 6,980 |
| Assets per employee ($millions) | 3.6908% | 4,568 |
| Cash dividends to net income (ytd only)* | 98.2677% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,768 |
| Loan loss allowance to noncurrent loans | 56.7599% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7648% | 3,306 |
| Noncurrent loans to loans | 2.3398% | 2,807 |
| Net loans and leases to total assets | 65.5361% | 2,870 |
| Net loans and leases to deposits | 89.2700% | 1,233 |
| Net loans and leases to core deposits | 99.4379% | 1,223 |
| Total domestic deposits to total assets | 73.4134% | 6,771 |
| Equity capital to assets | 6.6514% | 7,029 |
| Core capital (leverage) ratio | 6.5774% | 6,967 |
| Tier 1 risk-based capital ratio | 9.5150% | 6,961 |
| Total risk-based capital ratio | 11.4576% | 6,780 |
| Memoranda: | ||
| Average total assets | $6,452,478,000 | 146 |
| Average earning assets | $5,854,445,600 | 146 |
| Average equity | $423,583,400 | 208 |
| Average total loans | $4,117,730,200 | 139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 3,075 |
| Cost of funding earning assets | 0.8706% | 4,631 |
| Net interest margin | 4.1322% | 2,345 |
| Noninterest income to average assets | 1.0255% | 1,282 |
| Noninterest expense to average assets | 2.2280% | 6,215 |
| Loan and lease loss provision to assets | 0.3890% | 2,526 |
| Net operating income to assets | 1.5303% | 880 |
| Return on assets (ROA) | 1.8023% | 562 |
| Pretax return on assets | 2.5735% | 215 |
| Return on Equity (ROE) | 27.5419% | 88 |
| Retained earnings to average equity (ytd only) | 4.0144% | 3,860 |
| Net charge-offs to loans | 0.9138% | 1,754 |
| Credit loss provision to net charge-offs | 67.3682% | 4,564 |
| Earnings coverage of net charge-offs (x) | 4.4159% | 3,077 |
| Efficiency ratio | 46.4533% | 7,032 |
| Assets per employee ($millions) | 3.7155% | 4,504 |
| Cash dividends to net income (ytd only)* | 85.4243% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,882 |
| Loan loss allowance to noncurrent loans | 58.6283% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.9004% | 3,268 |
| Noncurrent loans to loans | 2.6462% | 2,629 |
| Net loans and leases to total assets | 63.7746% | 3,355 |
| Net loans and leases to deposits | 86.6274% | 1,606 |
| Net loans and leases to core deposits | 96.4923% | 1,557 |
| Total domestic deposits to total assets | 73.6194% | 6,802 |
| Equity capital to assets | 6.8535% | 7,079 |
| Core capital (leverage) ratio | 6.6696% | 7,038 |
| Tier 1 risk-based capital ratio | 9.8140% | 7,000 |
| Total risk-based capital ratio | 11.7620% | 6,764 |
| Memoranda: | ||
| Average total assets | $6,495,160,750 | 146 |
| Average earning assets | $5,898,179,000 | 144 |
| Average equity | $425,023,750 | 206 |
| Average total loans | $4,104,107,000 | 139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 3,107 |
| Cost of funding earning assets | 0.8746% | 4,869 |
| Net interest margin | 4.1362% | 2,281 |
| Noninterest income to average assets | 1.0124% | 1,290 |
| Noninterest expense to average assets | 2.2189% | 6,333 |
| Loan and lease loss provision to assets | 0.3041% | 2,978 |
| Net operating income to assets | 1.5742% | 766 |
| Return on assets (ROA) | 1.9337% | 402 |
| Pretax return on assets | 2.7945% | 168 |
| Return on Equity (ROE) | 30.0099% | 68 |
| Retained earnings to average equity (ytd only) | 6.2975% | 2,246 |
| Net charge-offs to loans | 0.5786% | 2,374 |
| Credit loss provision to net charge-offs | 83.8530% | 3,649 |
| Earnings coverage of net charge-offs (x) | 7.0438% | 2,285 |
| Efficiency ratio | 46.3107% | 7,144 |
| Assets per employee ($millions) | 3.8215% | 4,146 |
| Cash dividends to net income (ytd only)* | 79.0152% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 3,253 |
| Loan loss allowance to noncurrent loans | 58.3899% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 3,218 |
| Noncurrent loans to loans | 2.9490% | 2,459 |
| Net loans and leases to total assets | 61.7587% | 3,939 |
| Net loans and leases to deposits | 84.1926% | 2,080 |
| Net loans and leases to core deposits | 95.2284% | 1,760 |
| Total domestic deposits to total assets | 73.3541% | 6,898 |
| Equity capital to assets | 6.4961% | 7,185 |
| Core capital (leverage) ratio | 6.5596% | 7,114 |
| Tier 1 risk-based capital ratio | 9.6322% | 7,078 |
| Total risk-based capital ratio | 11.5693% | 6,856 |
| Memoranda: | ||
| Average total assets | $6,544,839,330 | 147 |
| Average earning assets | $5,950,601,670 | 147 |
| Average equity | $421,720,670 | 208 |
| Average total loans | $4,101,811,670 | 142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 3,058 |
| Cost of funding earning assets | 0.8850% | 5,031 |
| Net interest margin | 4.1259% | 2,168 |
| Noninterest income to average assets | 0.9954% | 1,341 |
| Noninterest expense to average assets | 2.2226% | 6,373 |
| Loan and lease loss provision to assets | 0.3045% | 2,730 |
| Net operating income to assets | 1.5648% | 751 |
| Return on assets (ROA) | 1.7770% | 544 |
| Pretax return on assets | 2.5596% | 232 |
| Return on Equity (ROE) | 27.6916% | 109 |
| Retained earnings to average equity (ytd only) | 3.8442% | 3,868 |
| Net charge-offs to loans | 0.3602% | 2,621 |
| Credit loss provision to net charge-offs | 135.0801% | 2,060 |
| Earnings coverage of net charge-offs (x) | 11.2224% | 1,568 |
| Efficiency ratio | 46.5862% | 7,176 |
| Assets per employee ($millions) | 3.8397% | 4,215 |
| Cash dividends to net income (ytd only)* | 86.1178% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 2,985 |
| Loan loss allowance to noncurrent loans | 64.0498% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 3,426 |
| Noncurrent loans to loans | 2.8241% | 2,673 |
| Net loans and leases to total assets | 61.3162% | 4,005 |
| Net loans and leases to deposits | 82.7335% | 2,230 |
| Net loans and leases to core deposits | 95.0678% | 1,762 |
| Total domestic deposits to total assets | 74.1129% | 6,887 |
| Equity capital to assets | 6.3650% | 7,242 |
| Core capital (leverage) ratio | 6.4495% | 7,176 |
| Tier 1 risk-based capital ratio | 9.4390% | 7,160 |
| Total risk-based capital ratio | 11.3784% | 6,962 |
| Memoranda: | ||
| Average total assets | $6,534,549,500 | 149 |
| Average earning assets | $5,950,574,000 | 149 |
| Average equity | $419,333,500 | 207 |
| Average total loans | $4,089,837,000 | 143 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 3,385 |
| Cost of funding earning assets | 1.0241% | 5,564 |
| Net interest margin | 4.2214% | 2,095 |
| Noninterest income to average assets | 1.0900% | 1,260 |
| Noninterest expense to average assets | 2.2865% | 6,395 |
| Loan and lease loss provision to assets | 0.3727% | 3,887 |
| Net operating income to assets | 1.5775% | 647 |
| Return on assets (ROA) | 1.6346% | 632 |
| Pretax return on assets | 2.3845% | 219 |
| Return on Equity (ROE) | 24.3161% | 111 |
| Retained earnings to average equity (ytd only) | 5.4203% | 2,165 |
| Net charge-offs to loans | 0.5473% | 3,419 |
| Credit loss provision to net charge-offs | 107.8025% | 4,111 |
| Earnings coverage of net charge-offs (x) | 7.6462% | 2,093 |
| Efficiency ratio | 45.9591% | 7,350 |
| Assets per employee ($millions) | 3.7547% | 4,355 |
| Cash dividends to net income (ytd only)* | 77.7091% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 2,894 |
| Loan loss allowance to noncurrent loans | 61.2283% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9636% | 3,388 |
| Noncurrent loans to loans | 2.9243% | 2,607 |
| Net loans and leases to total assets | 61.6085% | 4,373 |
| Net loans and leases to deposits | 86.5690% | 1,995 |
| Net loans and leases to core deposits | 98.9673% | 1,710 |
| Total domestic deposits to total assets | 71.1670% | 7,161 |
| Equity capital to assets | 6.4699% | 7,262 |
| Core capital (leverage) ratio | 6.6787% | 7,147 |
| Tier 1 risk-based capital ratio | 9.4332% | 7,150 |
| Total risk-based capital ratio | 11.3797% | 6,897 |
| Memoranda: | ||
| Average total assets | $6,298,155,200 | 151 |
| Average earning assets | $5,729,157,800 | 148 |
| Average equity | $423,374,400 | 203 |
| Average total loans | $3,978,373,400 | 143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 3,245 |
| Cost of funding earning assets | 1.0613% | 5,643 |
| Net interest margin | 4.2608% | 1,988 |
| Noninterest income to average assets | 1.0965% | 1,178 |
| Noninterest expense to average assets | 2.3029% | 6,318 |
| Loan and lease loss provision to assets | 0.3227% | 4,007 |
| Net operating income to assets | 1.6213% | 720 |
| Return on assets (ROA) | 1.7200% | 651 |
| Pretax return on assets | 2.5202% | 220 |
| Return on Equity (ROE) | 25.3393% | 114 |
| Retained earnings to average equity (ytd only) | 6.4786% | 2,102 |
| Net charge-offs to loans | 0.5097% | 3,249 |
| Credit loss provision to net charge-offs | 100.0595% | 4,306 |
| Earnings coverage of net charge-offs (x) | 8.2659% | 2,188 |
| Efficiency ratio | 45.9108% | 7,385 |
| Assets per employee ($millions) | 3.5764% | 4,787 |
| Cash dividends to net income (ytd only)* | 74.4325% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 2,825 |
| Loan loss allowance to noncurrent loans | 66.4005% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 3,654 |
| Noncurrent loans to loans | 2.6911% | 2,941 |
| Net loans and leases to total assets | 62.4445% | 4,437 |
| Net loans and leases to deposits | 84.8903% | 2,538 |
| Net loans and leases to core deposits | 94.5120% | 2,456 |
| Total domestic deposits to total assets | 73.5591% | 6,979 |
| Equity capital to assets | 6.8807% | 7,370 |
| Core capital (leverage) ratio | 6.6369% | 7,298 |
| Tier 1 risk-based capital ratio | 9.5044% | 7,255 |
| Total risk-based capital ratio | 11.4583% | 6,931 |
| Memoranda: | ||
| Average total assets | $6,248,804,500 | 150 |
| Average earning assets | $5,679,373,250 | 147 |
| Average equity | $424,153,250 | 200 |
| Average total loans | $3,954,273,000 | 142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 3,309 |
| Cost of funding earning assets | 1.0887% | 5,742 |
| Net interest margin | 4.2426% | 2,006 |
| Noninterest income to average assets | 1.0832% | 1,140 |
| Noninterest expense to average assets | 2.3244% | 6,287 |
| Loan and lease loss provision to assets | 0.2740% | 4,197 |
| Net operating income to assets | 1.6147% | 704 |
| Return on assets (ROA) | 1.8006% | 528 |
| Pretax return on assets | 2.6447% | 188 |
| Return on Equity (ROE) | 26.6493% | 94 |
| Retained earnings to average equity (ytd only) | 7.6768% | 1,564 |
| Net charge-offs to loans | 0.4663% | 3,143 |
| Credit loss provision to net charge-offs | 93.0157% | 4,335 |
| Earnings coverage of net charge-offs (x) | 8.8784% | 2,087 |
| Efficiency ratio | 46.5892% | 7,414 |
| Assets per employee ($millions) | 3.5065% | 4,914 |
| Cash dividends to net income (ytd only)* | 71.1934% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 2,786 |
| Loan loss allowance to noncurrent loans | 77.6876% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 4,023 |
| Noncurrent loans to loans | 2.2899% | 3,384 |
| Net loans and leases to total assets | 62.6790% | 4,538 |
| Net loans and leases to deposits | 83.8947% | 2,885 |
| Net loans and leases to core deposits | 87.2637% | 3,654 |
| Total domestic deposits to total assets | 74.7115% | 6,882 |
| Equity capital to assets | 6.9180% | 7,375 |
| Core capital (leverage) ratio | 6.6128% | 7,344 |
| Tier 1 risk-based capital ratio | 9.4331% | 7,293 |
| Total risk-based capital ratio | 11.4614% | 6,879 |
| Memoranda: | ||
| Average total assets | $6,240,740,000 | 149 |
| Average earning assets | $5,672,968,670 | 148 |
| Average equity | $421,661,670 | 201 |
| Average total loans | $3,942,892,670 | 143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 3,479 |
| Cost of funding earning assets | 1.1198% | 5,806 |
| Net interest margin | 4.1933% | 2,066 |
| Noninterest income to average assets | 1.0542% | 1,144 |
| Noninterest expense to average assets | 2.3543% | 6,231 |
| Loan and lease loss provision to assets | 0.3040% | 3,607 |
| Net operating income to assets | 1.5219% | 866 |
| Return on assets (ROA) | 1.8132% | 531 |
| Pretax return on assets | 2.6636% | 196 |
| Return on Equity (ROE) | 27.1587% | 118 |
| Retained earnings to average equity (ytd only) | 7.9890% | 1,711 |
| Net charge-offs to loans | 0.4084% | 2,819 |
| Credit loss provision to net charge-offs | 118.3948% | 2,951 |
| Earnings coverage of net charge-offs (x) | 9.7827% | 1,809 |
| Efficiency ratio | 47.8504% | 7,448 |
| Assets per employee ($millions) | 3.5918% | 4,842 |
| Cash dividends to net income (ytd only)* | 70.5841% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 2,602 |
| Loan loss allowance to noncurrent loans | 83.1501% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 4,188 |
| Noncurrent loans to loans | 2.2154% | 3,508 |
| Net loans and leases to total assets | 60.7575% | 4,987 |
| Net loans and leases to deposits | 81.0132% | 3,462 |
| Net loans and leases to core deposits | 84.9238% | 4,070 |
| Total domestic deposits to total assets | 74.9970% | 6,901 |
| Equity capital to assets | 6.6568% | 7,494 |
| Core capital (leverage) ratio | 6.3875% | 7,507 |
| Tier 1 risk-based capital ratio | 9.2881% | 7,397 |
| Total risk-based capital ratio | 11.3575% | 6,949 |
| Memoranda: | ||
| Average total assets | $6,250,856,000 | 150 |
| Average earning assets | $5,681,868,000 | 149 |
| Average equity | $417,325,000 | 203 |
| Average total loans | $3,929,553,500 | 144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 3,332 |
| Cost of funding earning assets | 1.3757% | 6,033 |
| Net interest margin | 4.2785% | 1,785 |
| Noninterest income to average assets | 1.2232% | 1,019 |
| Noninterest expense to average assets | 2.4009% | 6,464 |
| Loan and lease loss provision to assets | 0.3623% | 4,629 |
| Net operating income to assets | 1.6423% | 493 |
| Return on assets (ROA) | 1.6453% | 522 |
| Pretax return on assets | 2.4080% | 182 |
| Return on Equity (ROE) | 25.3667% | 89 |
| Retained earnings to average equity (ytd only) | 6.6149% | 1,113 |
| Net charge-offs to loans | 0.5515% | 3,580 |
| Credit loss provision to net charge-offs | 104.2125% | 5,306 |
| Earnings coverage of net charge-offs (x) | 7.8543% | 2,052 |
| Efficiency ratio | 46.2758% | 7,702 |
| Assets per employee ($millions) | 3.4838% | 5,042 |
| Cash dividends to net income (ytd only)* | 73.9229% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,532 |
| Loan loss allowance to noncurrent loans | 82.1403% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.4995% | 4,133 |
| Noncurrent loans to loans | 2.1960% | 3,391 |
| Net loans and leases to total assets | 62.6990% | 4,865 |
| Net loans and leases to deposits | 83.0674% | 3,435 |
| Net loans and leases to core deposits | 100.7146% | 3,929 |
| Total domestic deposits to total assets | 75.4796% | 6,779 |
| Equity capital to assets | 6.6962% | 7,503 |
| Core capital (leverage) ratio | 6.2741% | 7,565 |
| Tier 1 risk-based capital ratio | 8.8111% | 7,534 |
| Total risk-based capital ratio | 10.8891% | 7,111 |
| Memoranda: | ||
| Average total assets | $6,166,430,800 | 150 |
| Average earning assets | $5,632,470,400 | 148 |
| Average equity | $399,961,800 | 213 |
| Average total loans | $3,886,787,000 | 147 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 3,478 |
| Cost of funding earning assets | 1.4105% | 6,185 |
| Net interest margin | 4.2591% | 1,845 |
| Noninterest income to average assets | 1.1864% | 1,112 |
| Noninterest expense to average assets | 2.4207% | 6,350 |
| Loan and lease loss provision to assets | 0.2838% | 4,707 |
| Net operating income to assets | 1.6461% | 610 |
| Return on assets (ROA) | 1.6766% | 626 |
| Pretax return on assets | 2.4617% | 206 |
| Return on Equity (ROE) | 26.0606% | 95 |
| Retained earnings to average equity (ytd only) | 7.5600% | 1,286 |
| Net charge-offs to loans | 0.4347% | 3,502 |
| Credit loss provision to net charge-offs | 103.9065% | 4,893 |
| Earnings coverage of net charge-offs (x) | 9.7611% | 2,061 |
| Efficiency ratio | 47.0727% | 7,714 |
| Assets per employee ($millions) | 3.3680% | 5,220 |
| Cash dividends to net income (ytd only)* | 70.9906% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 2,259 |
| Loan loss allowance to noncurrent loans | 83.1417% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 4,109 |
| Noncurrent loans to loans | 2.1735% | 3,413 |
| Net loans and leases to total assets | 63.3618% | 5,004 |
| Net loans and leases to deposits | 85.5112% | 3,413 |
| Net loans and leases to core deposits | 103.8162% | 3,962 |
| Total domestic deposits to total assets | 74.0976% | 6,928 |
| Equity capital to assets | 6.8190% | 7,672 |
| Core capital (leverage) ratio | 6.2806% | 7,736 |
| Tier 1 risk-based capital ratio | 8.8300% | 7,671 |
| Total risk-based capital ratio | 10.9393% | 7,201 |
| Memoranda: | ||
| Average total assets | $6,161,227,000 | 156 |
| Average earning assets | $5,641,925,250 | 153 |
| Average equity | $396,374,500 | 218 |
| Average total loans | $3,870,834,000 | 158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 3,860 |
| Cost of funding earning assets | 1.4246% | 6,400 |
| Net interest margin | 4.2163% | 1,935 |
| Noninterest income to average assets | 1.1956% | 1,096 |
| Noninterest expense to average assets | 2.4425% | 6,324 |
| Loan and lease loss provision to assets | 0.2805% | 4,331 |
| Net operating income to assets | 1.6079% | 667 |
| Return on assets (ROA) | 1.6928% | 628 |
| Pretax return on assets | 2.4959% | 220 |
| Return on Equity (ROE) | 26.8385% | 108 |
| Retained earnings to average equity (ytd only) | 6.3464% | 1,864 |
| Net charge-offs to loans | 0.4335% | 3,074 |
| Credit loss provision to net charge-offs | 103.8899% | 4,420 |
| Earnings coverage of net charge-offs (x) | 9.6973% | 2,088 |
| Efficiency ratio | 47.7473% | 7,767 |
| Assets per employee ($millions) | 3.3533% | 5,177 |
| Cash dividends to net income (ytd only)* | 76.3534% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,040 |
| Loan loss allowance to noncurrent loans | 80.9691% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.5299% | 3,929 |
| Noncurrent loans to loans | 2.2259% | 3,226 |
| Net loans and leases to total assets | 63.0326% | 5,178 |
| Net loans and leases to deposits | 86.8096% | 3,389 |
| Net loans and leases to core deposits | 104.8631% | 3,972 |
| Total domestic deposits to total assets | 72.6101% | 7,168 |
| Equity capital to assets | 6.4399% | 7,832 |
| Core capital (leverage) ratio | 5.9829% | 7,927 |
| Tier 1 risk-based capital ratio | 8.5816% | 7,834 |
| Total risk-based capital ratio | 10.7382% | 7,354 |
| Memoranda: | ||
| Average total assets | $6,189,681,670 | 159 |
| Average earning assets | $5,673,702,670 | 156 |
| Average equity | $390,395,000 | 224 |
| Average total loans | $3,854,236,330 | 167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 4,334 |
| Cost of funding earning assets | 1.4526% | 6,564 |
| Net interest margin | 4.1504% | 2,092 |
| Noninterest income to average assets | 1.1591% | 1,092 |
| Noninterest expense to average assets | 2.3199% | 6,468 |
| Loan and lease loss provision to assets | 0.2088% | 4,352 |
| Net operating income to assets | 1.6676% | 694 |
| Return on assets (ROA) | 1.5894% | 879 |
| Pretax return on assets | 2.3583% | 329 |
| Return on Equity (ROE) | 25.4619% | 172 |
| Retained earnings to average equity (ytd only) | 4.8891% | 3,197 |
| Net charge-offs to loans | 0.3324% | 2,765 |
| Credit loss provision to net charge-offs | 102.4252% | 3,662 |
| Earnings coverage of net charge-offs (x) | 12.9761% | 1,764 |
| Efficiency ratio | 46.1981% | 7,836 |
| Assets per employee ($millions) | 3.4155% | 5,032 |
| Cash dividends to net income (ytd only)* | 80.7983% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 1,782 |
| Loan loss allowance to noncurrent loans | 89.1795% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 3,950 |
| Noncurrent loans to loans | 2.0514% | 3,197 |
| Net loans and leases to total assets | 60.8028% | 5,536 |
| Net loans and leases to deposits | 86.9700% | 3,477 |
| Net loans and leases to core deposits | 102.5655% | 4,284 |
| Total domestic deposits to total assets | 69.9124% | 7,433 |
| Equity capital to assets | 6.3425% | 7,921 |
| Core capital (leverage) ratio | 5.6584% | 8,061 |
| Tier 1 risk-based capital ratio | 8.6043% | 7,923 |
| Total risk-based capital ratio | 11.0466% | 7,047 |
| Memoranda: | ||
| Average total assets | $6,229,687,000 | 160 |
| Average earning assets | $5,713,037,500 | 154 |
| Average equity | $388,863,500 | 223 |
| Average total loans | $3,820,472,000 | 167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1224% | 4,928 |
| Cost of funding earning assets | 2.1317% | 5,921 |
| Net interest margin | 3.9907% | 3,159 |
| Noninterest income to average assets | 1.3295% | 821 |
| Noninterest expense to average assets | 2.2694% | 6,787 |
| Loan and lease loss provision to assets | 0.3556% | 3,555 |
| Net operating income to assets | 1.5650% | 896 |
| Return on assets (ROA) | 1.5747% | 848 |
| Pretax return on assets | 2.3529% | 271 |
| Return on Equity (ROE) | 25.2570% | 132 |
| Retained earnings to average equity (ytd only) | 0.9054% | 4,687 |
| Net charge-offs to loans | 0.4676% | 2,492 |
| Credit loss provision to net charge-offs | 125.0843% | 4,274 |
| Earnings coverage of net charge-offs (x) | 9.4767% | 2,679 |
| Efficiency ratio | 45.0883% | 7,972 |
| Assets per employee ($millions) | 3.4781% | 4,730 |
| Cash dividends to net income (ytd only)* | 96.4153% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 1,517 |
| Loan loss allowance to noncurrent loans | 99.3869% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 3,758 |
| Noncurrent loans to loans | 1.8674% | 2,954 |
| Net loans and leases to total assets | 59.5935% | 5,970 |
| Net loans and leases to deposits | 88.3639% | 3,747 |
| Net loans and leases to core deposits | 104.1770% | 4,375 |
| Total domestic deposits to total assets | 67.4410% | 7,523 |
| Equity capital to assets | 6.1421% | 8,035 |
| Core capital (leverage) ratio | 5.9411% | 8,098 |
| Tier 1 risk-based capital ratio | 8.6287% | 7,960 |
| Total risk-based capital ratio | 10.8922% | 7,048 |
| Memoranda: | ||
| Average total assets | $6,049,813,600 | 165 |
| Average earning assets | $5,508,884,200 | 160 |
| Average equity | $377,182,000 | 230 |
| Average total loans | $3,677,977,600 | 172 |