Home > TrustCo Bank > Performance and Condition Ratios
TrustCo 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 | 3.8686% | 4,108 |
| Cost of funding earning assets | 0.9333% | 3,451 |
| Net interest margin | 2.9354% | 3,420 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.8177% | 3,976 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9927% | 2,245 |
| Return on assets (ROA) | 0.9927% | 2,225 |
| Pretax return on assets | 1.3140% | 1,834 |
| Return on Equity (ROE) | 10.0100% | 2,492 |
| Retained earnings to average equity (ytd only) | 4.3569% | 2,847 |
| Net charge-offs to loans | -0.0010% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.6619% | 3,330 |
| Assets per employee ($millions) | 8.2015% | 1,334 |
| Cash dividends to net income (ytd only)* | 56.4634% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,454 |
| Loan loss allowance to noncurrent loans | 275.0425% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,785 |
| Noncurrent loans to loans | 0.3530% | 1,923 |
| Net loans and leases to total assets | 80.3400% | 604 |
| Net loans and leases to deposits | 92.6053% | 1,048 |
| Net loans and leases to core deposits | 101.7545% | 1,343 |
| Total domestic deposits to total assets | 86.7600% | 1,766 |
| Equity capital to assets | 10.1118% | 1,942 |
| Core capital (leverage) ratio | 10.3914% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5322% | 729 |
| Memoranda: | ||
| Average total assets | $6,068,106,800 | 240 |
| Average earning assets | $5,847,136,800 | 228 |
| Average equity | $601,944,200 | 233 |
| Average total loans | $4,877,677,800 | 205 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,074 |
| Cost of funding earning assets | 0.7895% | 3,552 |
| Net interest margin | 3.0471% | 3,241 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.8021% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1023% | 2,048 |
| Return on assets (ROA) | 1.1023% | 2,030 |
| Pretax return on assets | 1.4621% | 1,651 |
| Return on Equity (ROE) | 11.1700% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.4678% | 2,786 |
| Net charge-offs to loans | -0.0081% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.2444% | 3,465 |
| Assets per employee ($millions) | 7.9132% | 1,392 |
| Cash dividends to net income (ytd only)* | 51.0378% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 3,554 |
| Loan loss allowance to noncurrent loans | 264.2457% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 1,758 |
| Noncurrent loans to loans | 0.3601% | 1,939 |
| Net loans and leases to total assets | 81.2100% | 511 |
| Net loans and leases to deposits | 93.9239% | 903 |
| Net loans and leases to core deposits | 101.3792% | 1,244 |
| Total domestic deposits to total assets | 86.4700% | 2,049 |
| Equity capital to assets | 9.9694% | 1,843 |
| Core capital (leverage) ratio | 10.4155% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6469% | 737 |
| Memoranda: | ||
| Average total assets | $6,043,257,250 | 244 |
| Average earning assets | $5,823,284,250 | 231 |
| Average equity | $596,519,250 | 235 |
| Average total loans | $4,846,173,250 | 208 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,049 |
| Cost of funding earning assets | 0.6562% | 3,613 |
| Net interest margin | 3.1246% | 3,166 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.8020% | 3,996 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.1576% | 1,954 |
| Return on assets (ROA) | 1.1576% | 1,946 |
| Pretax return on assets | 1.5432% | 1,511 |
| Return on Equity (ROE) | 11.7700% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.0449% | 2,602 |
| Net charge-offs to loans | -0.0117% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9748% | 3,612 |
| Assets per employee ($millions) | 7.6799% | 1,482 |
| Cash dividends to net income (ytd only)* | 48.6284% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 3,573 |
| Loan loss allowance to noncurrent loans | 241.6504% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 1,545 |
| Noncurrent loans to loans | 0.3972% | 1,741 |
| Net loans and leases to total assets | 79.6800% | 671 |
| Net loans and leases to deposits | 92.0552% | 1,018 |
| Net loans and leases to core deposits | 98.8786% | 1,297 |
| Total domestic deposits to total assets | 86.5600% | 2,076 |
| Equity capital to assets | 9.9147% | 1,907 |
| Core capital (leverage) ratio | 10.3359% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7298% | 741 |
| Memoranda: | ||
| Average total assets | $6,039,811,000 | 241 |
| Average earning assets | $5,819,552,000 | 224 |
| Average equity | $594,189,667 | 231 |
| Average total loans | $4,807,043,667 | 203 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 3,999 |
| Cost of funding earning assets | 0.4834% | 3,749 |
| Net interest margin | 3.2329% | 3,034 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.8136% | 4,006 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.2111% | 1,902 |
| Return on assets (ROA) | 1.2111% | 1,862 |
| Pretax return on assets | 1.6145% | 1,427 |
| Return on Equity (ROE) | 12.3600% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.5978% | 2,619 |
| Net charge-offs to loans | -0.0044% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.5986% | 3,729 |
| Assets per employee ($millions) | 7.7900% | 1,462 |
| Cash dividends to net income (ytd only)* | 46.6162% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,629 |
| Loan loss allowance to noncurrent loans | 243.7350% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 1,476 |
| Noncurrent loans to loans | 0.3990% | 1,736 |
| Net loans and leases to total assets | 78.6400% | 692 |
| Net loans and leases to deposits | 91.1975% | 965 |
| Net loans and leases to core deposits | 97.1183% | 1,226 |
| Total domestic deposits to total assets | 86.2300% | 2,532 |
| Equity capital to assets | 9.8744% | 1,886 |
| Core capital (leverage) ratio | 10.2730% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7226% | 769 |
| Memoranda: | ||
| Average total assets | $6,022,301,500 | 247 |
| Average earning assets | $5,805,280,000 | 234 |
| Average equity | $590,134,000 | 236 |
| Average total loans | $4,766,764,500 | 209 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1426% | 3,918 |
| Cost of funding earning assets | 0.1110% | 4,334 |
| Net interest margin | 3.0316% | 3,354 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.6076% | 4,298 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.2489% | 1,605 |
| Return on assets (ROA) | 1.2489% | 1,550 |
| Pretax return on assets | 1.6508% | 1,038 |
| Return on Equity (ROE) | 13.3000% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.4176% | 2,061 |
| Net charge-offs to loans | -0.0068% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.4218% | 4,162 |
| Assets per employee ($millions) | 7.9781% | 1,331 |
| Cash dividends to net income (ytd only)* | 44.2376% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,503 |
| Loan loss allowance to noncurrent loans | 263.2958% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 1,547 |
| Noncurrent loans to loans | 0.3694% | 1,820 |
| Net loans and leases to total assets | 78.1300% | 783 |
| Net loans and leases to deposits | 90.2624% | 1,037 |
| Net loans and leases to core deposits | 94.9564% | 1,255 |
| Total domestic deposits to total assets | 86.5500% | 2,551 |
| Equity capital to assets | 9.7234% | 1,872 |
| Core capital (leverage) ratio | 10.0719% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6843% | 761 |
| Memoranda: | ||
| Average total assets | $6,156,341,800 | 234 |
| Average earning assets | $5,937,825,600 | 222 |
| Average equity | $578,005,600 | 246 |
| Average total loans | $4,561,276,400 | 209 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0010% | 3,887 |
| Cost of funding earning assets | 0.0815% | 4,410 |
| Net interest margin | 2.9195% | 3,435 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.5718% | 4,334 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.1938% | 1,717 |
| Return on assets (ROA) | 1.1938% | 1,692 |
| Pretax return on assets | 1.5805% | 1,170 |
| Return on Equity (ROE) | 12.8300% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.9295% | 2,387 |
| Net charge-offs to loans | -0.0088% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.9945% | 4,163 |
| Assets per employee ($millions) | 8.0727% | 1,288 |
| Cash dividends to net income (ytd only)* | 45.9700% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 3,560 |
| Loan loss allowance to noncurrent loans | 243.7584% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,668 |
| Noncurrent loans to loans | 0.4033% | 1,814 |
| Net loans and leases to total assets | 75.4100% | 973 |
| Net loans and leases to deposits | 86.7870% | 1,123 |
| Net loans and leases to core deposits | 90.8694% | 1,244 |
| Total domestic deposits to total assets | 86.8900% | 2,799 |
| Equity capital to assets | 9.4170% | 1,936 |
| Core capital (leverage) ratio | 9.6164% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5861% | 774 |
| Memoranda: | ||
| Average total assets | $6,195,539,500 | 231 |
| Average earning assets | $5,976,401,250 | 220 |
| Average equity | $576,667,500 | 249 |
| Average total loans | $4,518,295,250 | 206 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8414% | 3,911 |
| Cost of funding earning assets | 0.0789% | 4,391 |
| Net interest margin | 2.7625% | 3,546 |
| Noninterest income to average assets | 0.3406% | 3,117 |
| Noninterest expense to average assets | 1.5200% | 4,398 |
| Loan and lease loss provision to assets | -0.0222% | 4,436 |
| Net operating income to assets | 1.1420% | 1,624 |
| Return on assets (ROA) | 1.1420% | 1,604 |
| Pretax return on assets | 1.5087% | 1,143 |
| Return on Equity (ROE) | 12.3167% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.4351% | 2,195 |
| Net charge-offs to loans | -0.0074% | 3,468 |
| Credit loss provision to net charge-offs | 909.0909% | 432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5564% | 4,217 |
| Assets per employee ($millions) | 7.8513% | 1,378 |
| Cash dividends to net income (ytd only)* | 47.7528% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,603 |
| Loan loss allowance to noncurrent loans | 242.1658% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 1,767 |
| Noncurrent loans to loans | 0.4118% | 1,884 |
| Net loans and leases to total assets | 72.2006% | 1,084 |
| Net loans and leases to deposits | 83.2943% | 1,166 |
| Net loans and leases to core deposits | 87.3207% | 1,254 |
| Total domestic deposits to total assets | 86.6812% | 3,045 |
| Equity capital to assets | 9.2652% | 2,194 |
| Core capital (leverage) ratio | 9.3627% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5918% | 770 |
| Memoranda: | ||
| Average total assets | $6,234,470,000 | 226 |
| Average earning assets | $6,016,776,667 | 221 |
| Average equity | $578,077,333 | 248 |
| Average total loans | $4,481,230,333 | 205 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7425% | 3,859 |
| Cost of funding earning assets | 0.0810% | 4,350 |
| Net interest margin | 2.6615% | 3,499 |
| Noninterest income to average assets | 0.3480% | 3,011 |
| Noninterest expense to average assets | 1.4581% | 4,472 |
| Loan and lease loss provision to assets | -0.0128% | 4,427 |
| Net operating income to assets | 1.1074% | 1,510 |
| Return on assets (ROA) | 1.1074% | 1,499 |
| Pretax return on assets | 1.4720% | 1,072 |
| Return on Equity (ROE) | 11.9380% | 1,330 |
| Retained earnings to average equity (ytd only) | 6.0627% | 2,232 |
| Net charge-offs to loans | -0.0052% | 3,351 |
| Credit loss provision to net charge-offs | 862.0690% | 376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9813% | 4,312 |
| Assets per employee ($millions) | 8.1678% | 1,273 |
| Cash dividends to net income (ytd only)* | 49.2154% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,582 |
| Loan loss allowance to noncurrent loans | 238.0064% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 1,867 |
| Noncurrent loans to loans | 0.4346% | 1,942 |
| Net loans and leases to total assets | 70.3414% | 989 |
| Net loans and leases to deposits | 82.5823% | 974 |
| Net loans and leases to core deposits | 85.0692% | 1,183 |
| Total domestic deposits to total assets | 85.1774% | 3,502 |
| Equity capital to assets | 9.1399% | 2,588 |
| Core capital (leverage) ratio | 9.2634% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9967% | 755 |
| Memoranda: | ||
| Average total assets | $6,238,659,000 | 228 |
| Average earning assets | $6,022,280,500 | 223 |
| Average equity | $578,687,500 | 248 |
| Average total loans | $4,451,566,500 | 206 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8553% | 4,128 |
| Cost of funding earning assets | 0.1304% | 4,152 |
| Net interest margin | 2.7249% | 3,830 |
| Noninterest income to average assets | 0.3387% | 3,386 |
| Noninterest expense to average assets | 1.6457% | 4,367 |
| Loan and lease loss provision to assets | -0.0896% | 4,506 |
| Net operating income to assets | 1.0643% | 2,439 |
| Return on assets (ROA) | 1.0643% | 2,512 |
| Pretax return on assets | 1.4193% | 1,985 |
| Return on Equity (ROE) | 11.4679% | 1,995 |
| Retained earnings to average equity (ytd only) | 5.4401% | 2,599 |
| Net charge-offs to loans | -0.0028% | 3,425 |
| Credit loss provision to net charge-offs | 4,467.2131% | 160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3115% | 3,785 |
| Assets per employee ($millions) | 8.1637% | 1,241 |
| Cash dividends to net income (ytd only)* | 52.5622% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,767 |
| Loan loss allowance to noncurrent loans | 236.2166% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 2,002 |
| Noncurrent loans to loans | 0.4222% | 2,083 |
| Net loans and leases to total assets | 70.9218% | 928 |
| Net loans and leases to deposits | 83.4167% | 956 |
| Net loans and leases to core deposits | 86.1475% | 1,195 |
| Total domestic deposits to total assets | 85.0211% | 3,261 |
| Equity capital to assets | 9.4136% | 3,212 |
| Core capital (leverage) ratio | 9.3171% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2065% | 733 |
| Memoranda: | ||
| Average total assets | $6,080,119,200 | 227 |
| Average earning assets | $5,883,185,600 | 217 |
| Average equity | $564,268,800 | 250 |
| Average total loans | $4,339,703,000 | 207 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8725% | 4,210 |
| Cost of funding earning assets | 0.1404% | 4,191 |
| Net interest margin | 2.7322% | 3,910 |
| Noninterest income to average assets | 0.3432% | 3,393 |
| Noninterest expense to average assets | 1.6416% | 4,411 |
| Loan and lease loss provision to assets | -0.0540% | 4,471 |
| Net operating income to assets | 1.0482% | 2,740 |
| Return on assets (ROA) | 1.0482% | 2,804 |
| Pretax return on assets | 1.4006% | 2,329 |
| Return on Equity (ROE) | 11.3363% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.2597% | 3,119 |
| Net charge-offs to loans | -0.0063% | 3,507 |
| Credit loss provision to net charge-offs | 1,200.9804% | 467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9354% | 3,666 |
| Assets per employee ($millions) | 8.2448% | 1,159 |
| Cash dividends to net income (ytd only)* | 53.6030% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,546 |
| Loan loss allowance to noncurrent loans | 234.9643% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 2,099 |
| Noncurrent loans to loans | 0.4583% | 2,187 |
| Net loans and leases to total assets | 70.9048% | 1,000 |
| Net loans and leases to deposits | 82.9871% | 1,030 |
| Net loans and leases to core deposits | 86.4644% | 1,263 |
| Total domestic deposits to total assets | 85.4408% | 2,968 |
| Equity capital to assets | 9.2895% | 3,567 |
| Core capital (leverage) ratio | 9.1446% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1529% | 787 |
| Memoranda: | ||
| Average total assets | $6,051,080,250 | 228 |
| Average earning assets | $5,858,175,750 | 217 |
| Average equity | $559,512,250 | 252 |
| Average total loans | $4,314,934,000 | 211 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9005% | 4,225 |
| Cost of funding earning assets | 0.1498% | 4,207 |
| Net interest margin | 2.7506% | 3,884 |
| Noninterest income to average assets | 0.3513% | 3,355 |
| Noninterest expense to average assets | 1.6524% | 4,437 |
| Loan and lease loss provision to assets | 0.0116% | 2,709 |
| Net operating income to assets | 1.0072% | 2,864 |
| Return on assets (ROA) | 1.0072% | 2,948 |
| Pretax return on assets | 1.3496% | 2,478 |
| Return on Equity (ROE) | 10.9097% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.7954% | 3,259 |
| Net charge-offs to loans | -0.0098% | 3,660 |
| Credit loss provision to net charge-offs | -166.6667% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8319% | 3,698 |
| Assets per employee ($millions) | 7.9608% | 1,231 |
| Cash dividends to net income (ytd only)* | 56.0446% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,175 |
| Loan loss allowance to noncurrent loans | 241.1182% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 2,215 |
| Noncurrent loans to loans | 0.4783% | 2,237 |
| Net loans and leases to total assets | 70.2276% | 1,168 |
| Net loans and leases to deposits | 82.1945% | 1,204 |
| Net loans and leases to core deposits | 85.8380% | 1,429 |
| Total domestic deposits to total assets | 85.4407% | 2,927 |
| Equity capital to assets | 9.1741% | 3,629 |
| Core capital (leverage) ratio | 9.0918% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9869% | 808 |
| Memoranda: | ||
| Average total assets | $6,023,405,000 | 227 |
| Average earning assets | $5,830,084,667 | 217 |
| Average equity | $556,074,000 | 251 |
| Average total loans | $4,287,669,333 | 215 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9403% | 4,200 |
| Cost of funding earning assets | 0.1669% | 4,189 |
| Net interest margin | 2.7734% | 3,824 |
| Noninterest income to average assets | 0.3419% | 3,384 |
| Noninterest expense to average assets | 1.6587% | 4,453 |
| Loan and lease loss provision to assets | 0.0234% | 2,474 |
| Net operating income to assets | 1.0040% | 2,796 |
| Return on assets (ROA) | 1.0040% | 2,884 |
| Pretax return on assets | 1.3434% | 2,451 |
| Return on Equity (ROE) | 10.8404% | 2,410 |
| Retained earnings to average equity (ytd only) | 4.6955% | 3,317 |
| Net charge-offs to loans | -0.0043% | 3,337 |
| Credit loss provision to net charge-offs | -760.8696% | 3,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8231% | 3,696 |
| Assets per employee ($millions) | 7.3744% | 1,539 |
| Cash dividends to net income (ytd only)* | 56.6856% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,087 |
| Loan loss allowance to noncurrent loans | 231.3434% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 2,340 |
| Noncurrent loans to loans | 0.5062% | 2,342 |
| Net loans and leases to total assets | 69.7729% | 1,324 |
| Net loans and leases to deposits | 81.5626% | 1,370 |
| Net loans and leases to core deposits | 85.4128% | 1,561 |
| Total domestic deposits to total assets | 85.5453% | 2,908 |
| Equity capital to assets | 9.1651% | 3,528 |
| Core capital (leverage) ratio | 9.2312% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9100% | 802 |
| Memoranda: | ||
| Average total assets | $5,974,193,000 | 231 |
| Average earning assets | $5,780,989,000 | 218 |
| Average equity | $553,299,500 | 249 |
| Average total loans | $4,256,821,000 | 216 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3233% | 4,297 |
| Cost of funding earning assets | 0.4624% | 3,202 |
| Net interest margin | 2.8609% | 4,176 |
| Noninterest income to average assets | 0.3937% | 3,127 |
| Noninterest expense to average assets | 1.7852% | 4,495 |
| Loan and lease loss provision to assets | 0.1007% | 3,074 |
| Net operating income to assets | 0.9574% | 2,445 |
| Return on assets (ROA) | 0.9739% | 2,531 |
| Pretax return on assets | 1.2896% | 2,013 |
| Return on Equity (ROE) | 10.0464% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.2910% | 2,655 |
| Net charge-offs to loans | 0.0077% | 3,055 |
| Credit loss provision to net charge-offs | 1,739.1304% | 493 |
| Earnings coverage of net charge-offs (x) | 236.4348% | 420 |
| Efficiency ratio | 56.5868% | 3,907 |
| Assets per employee ($millions) | 7.5853% | 1,228 |
| Cash dividends to net income (ytd only)* | 57.2883% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 3,113 |
| Loan loss allowance to noncurrent loans | 235.4826% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,515 |
| Noncurrent loans to loans | 0.4962% | 2,486 |
| Net loans and leases to total assets | 71.0831% | 1,414 |
| Net loans and leases to deposits | 83.2778% | 1,519 |
| Net loans and leases to core deposits | 87.1805% | 1,777 |
| Total domestic deposits to total assets | 85.3565% | 2,631 |
| Equity capital to assets | 9.3603% | 3,731 |
| Core capital (leverage) ratio | 9.3772% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9018% | 780 |
| Memoranda: | ||
| Average total assets | $5,558,798,000 | 232 |
| Average earning assets | $5,364,805,400 | 223 |
| Average equity | $538,849,800 | 247 |
| Average total loans | $4,159,635,400 | 216 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 4,328 |
| Cost of funding earning assets | 0.5264% | 3,067 |
| Net interest margin | 2.8874% | 4,201 |
| Noninterest income to average assets | 0.3974% | 3,090 |
| Noninterest expense to average assets | 1.7999% | 4,502 |
| Loan and lease loss provision to assets | 0.1218% | 2,809 |
| Net operating income to assets | 0.9424% | 2,553 |
| Return on assets (ROA) | 0.9647% | 2,602 |
| Pretax return on assets | 1.2888% | 2,100 |
| Return on Equity (ROE) | 9.8601% | 2,065 |
| Retained earnings to average equity (ytd only) | 4.2576% | 2,922 |
| Net charge-offs to loans | 0.0063% | 2,911 |
| Credit loss provision to net charge-offs | 2,577.3196% | 390 |
| Earnings coverage of net charge-offs (x) | 292.5309% | 367 |
| Efficiency ratio | 56.5582% | 3,854 |
| Assets per employee ($millions) | 7.4390% | 1,251 |
| Cash dividends to net income (ytd only)* | 56.8196% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,864 |
| Loan loss allowance to noncurrent loans | 225.6247% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 2,620 |
| Noncurrent loans to loans | 0.5166% | 2,505 |
| Net loans and leases to total assets | 72.6257% | 1,564 |
| Net loans and leases to deposits | 85.0251% | 1,809 |
| Net loans and leases to core deposits | 89.0054% | 2,063 |
| Total domestic deposits to total assets | 85.4168% | 2,279 |
| Equity capital to assets | 9.5191% | 3,671 |
| Core capital (leverage) ratio | 9.7603% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7467% | 811 |
| Memoranda: | ||
| Average total assets | $5,473,154,500 | 231 |
| Average earning assets | $5,279,097,000 | 223 |
| Average equity | $535,465,750 | 246 |
| Average total loans | $4,138,426,500 | 216 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 4,391 |
| Cost of funding earning assets | 0.5779% | 3,094 |
| Net interest margin | 2.9352% | 4,251 |
| Noninterest income to average assets | 0.3833% | 3,187 |
| Noninterest expense to average assets | 1.8491% | 4,484 |
| Loan and lease loss provision to assets | 0.1485% | 2,522 |
| Net operating income to assets | 0.9083% | 2,658 |
| Return on assets (ROA) | 0.9422% | 2,659 |
| Pretax return on assets | 1.2576% | 2,159 |
| Return on Equity (ROE) | 9.5386% | 2,127 |
| Retained earnings to average equity (ytd only) | 3.8991% | 2,958 |
| Net charge-offs to loans | 0.0084% | 2,647 |
| Credit loss provision to net charge-offs | 2,312.1387% | 431 |
| Earnings coverage of net charge-offs (x) | 212.1965% | 425 |
| Efficiency ratio | 57.5627% | 3,748 |
| Assets per employee ($millions) | 7.0433% | 1,414 |
| Cash dividends to net income (ytd only)* | 59.1226% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 2,770 |
| Loan loss allowance to noncurrent loans | 219.8055% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,688 |
| Noncurrent loans to loans | 0.5243% | 2,591 |
| Net loans and leases to total assets | 72.7406% | 1,587 |
| Net loans and leases to deposits | 84.8745% | 1,905 |
| Net loans and leases to core deposits | 89.3247% | 2,128 |
| Total domestic deposits to total assets | 85.7037% | 2,122 |
| Equity capital to assets | 9.5058% | 3,654 |
| Core capital (leverage) ratio | 9.8621% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5757% | 834 |
| Memoranda: | ||
| Average total assets | $5,385,713,333 | 231 |
| Average earning assets | $5,190,846,333 | 222 |
| Average equity | $531,966,333 | 248 |
| Average total loans | $4,113,050,333 | 212 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,401 |
| Cost of funding earning assets | 0.6417% | 3,213 |
| Net interest margin | 3.0554% | 4,193 |
| Noninterest income to average assets | 0.4198% | 2,971 |
| Noninterest expense to average assets | 1.9568% | 4,476 |
| Loan and lease loss provision to assets | 0.1527% | 1,869 |
| Net operating income to assets | 0.9420% | 2,369 |
| Return on assets (ROA) | 1.0117% | 2,240 |
| Pretax return on assets | 1.3389% | 1,754 |
| Return on Equity (ROE) | 10.0377% | 1,740 |
| Retained earnings to average equity (ytd only) | 4.3572% | 2,551 |
| Net charge-offs to loans | 0.0159% | 2,052 |
| Credit loss provision to net charge-offs | 1,234.5679% | 494 |
| Earnings coverage of net charge-offs (x) | 113.4877% | 525 |
| Efficiency ratio | 58.2339% | 3,969 |
| Assets per employee ($millions) | 6.4698% | 1,363 |
| Cash dividends to net income (ytd only)* | 56.5910% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 3,070 |
| Loan loss allowance to noncurrent loans | 222.7988% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 2,789 |
| Noncurrent loans to loans | 0.5053% | 2,755 |
| Net loans and leases to total assets | 77.0586% | 1,124 |
| Net loans and leases to deposits | 90.4369% | 1,458 |
| Net loans and leases to core deposits | 95.3608% | 1,856 |
| Total domestic deposits to total assets | 85.2070% | 2,327 |
| Equity capital to assets | 10.1612% | 3,638 |
| Core capital (leverage) ratio | 10.0469% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7202% | 897 |
| Memoranda: | ||
| Average total assets | $5,240,115,500 | 231 |
| Average earning assets | $5,042,856,000 | 221 |
| Average equity | $528,131,500 | 251 |
| Average total loans | $4,080,795,000 | 210 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 4,488 |
| Cost of funding earning assets | 0.7338% | 3,004 |
| Net interest margin | 3.1327% | 4,320 |
| Noninterest income to average assets | 0.4895% | 2,798 |
| Noninterest expense to average assets | 1.9557% | 4,603 |
| Loan and lease loss provision to assets | 0.0031% | 3,939 |
| Net operating income to assets | 1.1714% | 2,172 |
| Return on assets (ROA) | 1.1715% | 2,269 |
| Pretax return on assets | 1.5498% | 1,654 |
| Return on Equity (ROE) | 12.1126% | 1,466 |
| Retained earnings to average equity (ytd only) | 6.4554% | 1,635 |
| Net charge-offs to loans | 0.0154% | 3,165 |
| Credit loss provision to net charge-offs | 26.1513% | 3,294 |
| Earnings coverage of net charge-offs (x) | 131.6875% | 554 |
| Efficiency ratio | 55.7426% | 4,238 |
| Assets per employee ($millions) | 6.4131% | 1,343 |
| Cash dividends to net income (ytd only)* | 46.7049% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,004 |
| Loan loss allowance to noncurrent loans | 212.6536% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 2,673 |
| Noncurrent loans to loans | 0.5130% | 2,651 |
| Net loans and leases to total assets | 76.9666% | 1,262 |
| Net loans and leases to deposits | 90.2888% | 1,552 |
| Net loans and leases to core deposits | 95.1714% | 1,973 |
| Total domestic deposits to total assets | 85.2449% | 2,399 |
| Equity capital to assets | 9.9954% | 3,924 |
| Core capital (leverage) ratio | 10.0122% | 3,506 |
| Tier 1 risk-based capital ratio | 18.4123% | 1,661 |
| Total risk-based capital ratio | 19.6664% | 1,627 |
| Memoranda: | ||
| Average total assets | $5,156,405,200 | 220 |
| Average earning assets | $4,969,152,400 | 210 |
| Average equity | $498,710,800 | 248 |
| Average total loans | $3,937,835,200 | 212 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 4,558 |
| Cost of funding earning assets | 0.7301% | 3,067 |
| Net interest margin | 3.1596% | 4,381 |
| Noninterest income to average assets | 0.5019% | 2,720 |
| Noninterest expense to average assets | 1.9830% | 4,589 |
| Loan and lease loss provision to assets | -0.0011% | 5,024 |
| Net operating income to assets | 1.1840% | 2,252 |
| Return on assets (ROA) | 1.1840% | 2,335 |
| Pretax return on assets | 1.5666% | 1,755 |
| Return on Equity (ROE) | 12.3473% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.7484% | 1,982 |
| Net charge-offs to loans | 0.0135% | 2,889 |
| Credit loss provision to net charge-offs | -10.3535% | 3,962 |
| Earnings coverage of net charge-offs (x) | 152.4157% | 533 |
| Efficiency ratio | 55.8829% | 4,177 |
| Assets per employee ($millions) | 6.3452% | 1,364 |
| Cash dividends to net income (ytd only)* | 45.3450% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,964 |
| Loan loss allowance to noncurrent loans | 211.2414% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 2,732 |
| Noncurrent loans to loans | 0.5266% | 2,711 |
| Net loans and leases to total assets | 75.4670% | 1,571 |
| Net loans and leases to deposits | 88.3397% | 1,888 |
| Net loans and leases to core deposits | 93.1334% | 2,252 |
| Total domestic deposits to total assets | 85.4282% | 2,243 |
| Equity capital to assets | 9.7664% | 4,243 |
| Core capital (leverage) ratio | 9.8934% | 3,742 |
| Tier 1 risk-based capital ratio | 18.2020% | 1,760 |
| Total risk-based capital ratio | 19.4562% | 1,722 |
| Memoranda: | ||
| Average total assets | $5,140,434,500 | 220 |
| Average earning assets | $4,956,707,250 | 210 |
| Average equity | $492,941,000 | 252 |
| Average total loans | $3,906,744,750 | 213 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 4,565 |
| Cost of funding earning assets | 0.6982% | 3,177 |
| Net interest margin | 3.1962% | 4,377 |
| Noninterest income to average assets | 0.4989% | 2,690 |
| Noninterest expense to average assets | 2.0138% | 4,583 |
| Loan and lease loss provision to assets | -0.0016% | 5,087 |
| Net operating income to assets | 1.1854% | 2,204 |
| Return on assets (ROA) | 1.1854% | 2,268 |
| Pretax return on assets | 1.5709% | 1,636 |
| Return on Equity (ROE) | 12.4392% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.0210% | 1,798 |
| Net charge-offs to loans | 0.0186% | 2,502 |
| Credit loss provision to net charge-offs | -11.3889% | 3,761 |
| Earnings coverage of net charge-offs (x) | 111.4472% | 646 |
| Efficiency ratio | 56.2031% | 4,224 |
| Assets per employee ($millions) | 6.0915% | 1,478 |
| Cash dividends to net income (ytd only)* | 43.5572% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,869 |
| Loan loss allowance to noncurrent loans | 200.7194% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 2,639 |
| Noncurrent loans to loans | 0.5658% | 2,565 |
| Net loans and leases to total assets | 73.8939% | 1,910 |
| Net loans and leases to deposits | 86.5487% | 2,196 |
| Net loans and leases to core deposits | 90.8394% | 2,530 |
| Total domestic deposits to total assets | 85.3784% | 2,317 |
| Equity capital to assets | 9.5756% | 4,334 |
| Core capital (leverage) ratio | 9.8040% | 3,823 |
| Tier 1 risk-based capital ratio | 18.2364% | 1,742 |
| Total risk-based capital ratio | 19.4910% | 1,702 |
| Memoranda: | ||
| Average total assets | $5,113,199,670 | 223 |
| Average earning assets | $4,934,084,670 | 213 |
| Average equity | $487,250,330 | 253 |
| Average total loans | $3,880,553,000 | 217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 4,580 |
| Cost of funding earning assets | 0.6318% | 3,398 |
| Net interest margin | 3.2512% | 4,275 |
| Noninterest income to average assets | 0.4927% | 2,601 |
| Noninterest expense to average assets | 2.0510% | 4,554 |
| Loan and lease loss provision to assets | 0.0237% | 3,120 |
| Net operating income to assets | 1.1817% | 2,125 |
| Return on assets (ROA) | 1.1817% | 2,174 |
| Pretax return on assets | 1.5583% | 1,584 |
| Return on Equity (ROE) | 12.4317% | 1,404 |
| Retained earnings to average equity (ytd only) | 6.9390% | 2,068 |
| Net charge-offs to loans | 0.0409% | 1,685 |
| Credit loss provision to net charge-offs | 75.9494% | 1,807 |
| Earnings coverage of net charge-offs (x) | 50.6304% | 1,014 |
| Efficiency ratio | 56.4548% | 4,273 |
| Assets per employee ($millions) | 5.7328% | 1,764 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,807 |
| Loan loss allowance to noncurrent loans | 180.7445% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 2,604 |
| Noncurrent loans to loans | 0.6401% | 2,413 |
| Net loans and leases to total assets | 74.0515% | 1,789 |
| Net loans and leases to deposits | 86.4811% | 2,071 |
| Net loans and leases to core deposits | 90.5627% | 2,437 |
| Total domestic deposits to total assets | 85.6274% | 2,432 |
| Equity capital to assets | 9.4388% | 4,313 |
| Core capital (leverage) ratio | 9.7493% | 3,868 |
| Tier 1 risk-based capital ratio | 18.2995% | 1,716 |
| Total risk-based capital ratio | 19.5546% | 1,665 |
| Memoranda: | ||
| Average total assets | $5,056,562,000 | 227 |
| Average earning assets | $4,884,177,000 | 216 |
| Average equity | $480,643,000 | 255 |
| Average total loans | $3,867,624,500 | 215 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 4,519 |
| Cost of funding earning assets | 0.4259% | 3,824 |
| Net interest margin | 3.3614% | 4,101 |
| Noninterest income to average assets | 0.4916% | 2,876 |
| Noninterest expense to average assets | 2.0618% | 4,626 |
| Loan and lease loss provision to assets | 0.0284% | 3,605 |
| Net operating income to assets | 1.2818% | 1,871 |
| Return on assets (ROA) | 1.2818% | 1,868 |
| Pretax return on assets | 1.6622% | 1,271 |
| Return on Equity (ROE) | 13.8140% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.3834% | 1,090 |
| Net charge-offs to loans | 0.0214% | 2,994 |
| Credit loss provision to net charge-offs | 174.1294% | 1,610 |
| Earnings coverage of net charge-offs (x) | 103.5423% | 727 |
| Efficiency ratio | 54.9465% | 4,523 |
| Assets per employee ($millions) | 5.8071% | 1,668 |
| Cash dividends to net income (ytd only)* | 39.3127% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,799 |
| Loan loss allowance to noncurrent loans | 179.4013% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 2,446 |
| Noncurrent loans to loans | 0.6441% | 2,377 |
| Net loans and leases to total assets | 77.2151% | 1,407 |
| Net loans and leases to deposits | 89.5905% | 1,848 |
| Net loans and leases to core deposits | 93.4486% | 2,275 |
| Total domestic deposits to total assets | 86.1867% | 2,137 |
| Equity capital to assets | 9.5744% | 4,068 |
| Core capital (leverage) ratio | 9.8471% | 3,750 |
| Tier 1 risk-based capital ratio | 18.2332% | 1,685 |
| Total risk-based capital ratio | 19.4886% | 1,635 |
| Memoranda: | ||
| Average total assets | $4,924,222,600 | 224 |
| Average earning assets | $4,776,761,200 | 216 |
| Average equity | $456,904,400 | 261 |
| Average total loans | $3,748,909,200 | 215 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,555 |
| Cost of funding earning assets | 0.3967% | 3,882 |
| Net interest margin | 3.3510% | 4,157 |
| Noninterest income to average assets | 0.4876% | 2,936 |
| Noninterest expense to average assets | 2.0313% | 4,682 |
| Loan and lease loss provision to assets | 0.0244% | 3,531 |
| Net operating income to assets | 1.2764% | 1,946 |
| Return on assets (ROA) | 1.2764% | 1,948 |
| Pretax return on assets | 1.6831% | 1,317 |
| Return on Equity (ROE) | 13.8681% | 1,157 |
| Retained earnings to average equity (ytd only) | 8.4750% | 1,433 |
| Net charge-offs to loans | 0.0119% | 2,985 |
| Credit loss provision to net charge-offs | 271.0843% | 1,110 |
| Earnings coverage of net charge-offs (x) | 189.6035% | 455 |
| Efficiency ratio | 54.3305% | 4,576 |
| Assets per employee ($millions) | 6.0528% | 1,452 |
| Cash dividends to net income (ytd only)* | 38.8882% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,797 |
| Loan loss allowance to noncurrent loans | 188.3029% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 2,605 |
| Noncurrent loans to loans | 0.6210% | 2,536 |
| Net loans and leases to total assets | 77.4099% | 1,432 |
| Net loans and leases to deposits | 90.0294% | 1,892 |
| Net loans and leases to core deposits | 93.3044% | 2,370 |
| Total domestic deposits to total assets | 85.9829% | 2,200 |
| Equity capital to assets | 9.4703% | 4,110 |
| Core capital (leverage) ratio | 9.6292% | 4,018 |
| Tier 1 risk-based capital ratio | 17.9543% | 1,804 |
| Total risk-based capital ratio | 19.2098% | 1,758 |
| Memoranda: | ||
| Average total assets | $4,915,452,000 | 225 |
| Average earning assets | $4,769,024,500 | 214 |
| Average equity | $452,424,250 | 261 |
| Average total loans | $3,717,612,500 | 216 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,598 |
| Cost of funding earning assets | 0.3742% | 3,913 |
| Net interest margin | 3.3208% | 4,189 |
| Noninterest income to average assets | 0.4914% | 2,906 |
| Noninterest expense to average assets | 2.0197% | 4,760 |
| Loan and lease loss provision to assets | 0.0244% | 3,433 |
| Net operating income to assets | 1.2665% | 1,910 |
| Return on assets (ROA) | 1.2665% | 1,912 |
| Pretax return on assets | 1.6700% | 1,300 |
| Return on Equity (ROE) | 13.8929% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.4590% | 1,424 |
| Net charge-offs to loans | 0.0145% | 2,654 |
| Credit loss provision to net charge-offs | 224.7191% | 1,211 |
| Earnings coverage of net charge-offs (x) | 156.2884% | 503 |
| Efficiency ratio | 54.3806% | 4,651 |
| Assets per employee ($millions) | 5.9595% | 1,496 |
| Cash dividends to net income (ytd only)* | 39.1126% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,789 |
| Loan loss allowance to noncurrent loans | 184.4607% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 2,607 |
| Noncurrent loans to loans | 0.6449% | 2,503 |
| Net loans and leases to total assets | 74.8245% | 1,816 |
| Net loans and leases to deposits | 86.8721% | 2,236 |
| Net loans and leases to core deposits | 89.9847% | 2,571 |
| Total domestic deposits to total assets | 86.1318% | 2,217 |
| Equity capital to assets | 9.2305% | 4,354 |
| Core capital (leverage) ratio | 9.4730% | 4,144 |
| Tier 1 risk-based capital ratio | 17.8238% | 1,852 |
| Total risk-based capital ratio | 19.0795% | 1,811 |
| Memoranda: | ||
| Average total assets | $4,925,729,330 | 220 |
| Average earning assets | $4,780,118,330 | 210 |
| Average equity | $449,035,670 | 259 |
| Average total loans | $3,681,511,000 | 217 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 4,606 |
| Cost of funding earning assets | 0.3528% | 3,963 |
| Net interest margin | 3.2925% | 4,209 |
| Noninterest income to average assets | 0.4983% | 2,808 |
| Noninterest expense to average assets | 2.0436% | 4,768 |
| Loan and lease loss provision to assets | 0.0244% | 3,203 |
| Net operating income to assets | 1.2328% | 1,880 |
| Return on assets (ROA) | 1.2328% | 1,889 |
| Pretax return on assets | 1.6255% | 1,316 |
| Return on Equity (ROE) | 13.6087% | 1,107 |
| Retained earnings to average equity (ytd only) | 8.1322% | 1,789 |
| Net charge-offs to loans | 0.0100% | 2,391 |
| Credit loss provision to net charge-offs | 329.6703% | 772 |
| Earnings coverage of net charge-offs (x) | 222.9341% | 298 |
| Efficiency ratio | 55.3297% | 4,661 |
| Assets per employee ($millions) | 5.9603% | 1,546 |
| Cash dividends to net income (ytd only)* | 40.2428% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,751 |
| Loan loss allowance to noncurrent loans | 178.8354% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 2,697 |
| Noncurrent loans to loans | 0.6767% | 2,520 |
| Net loans and leases to total assets | 73.4928% | 1,946 |
| Net loans and leases to deposits | 85.5376% | 2,225 |
| Net loans and leases to core deposits | 88.6826% | 2,572 |
| Total domestic deposits to total assets | 85.9187% | 2,576 |
| Equity capital to assets | 9.0766% | 4,485 |
| Core capital (leverage) ratio | 9.3389% | 4,273 |
| Tier 1 risk-based capital ratio | 17.7549% | 1,906 |
| Total risk-based capital ratio | 19.0109% | 1,852 |
| Memoranda: | ||
| Average total assets | $4,918,378,000 | 216 |
| Average earning assets | $4,772,970,000 | 209 |
| Average equity | $445,540,000 | 260 |
| Average total loans | $3,651,688,000 | 216 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,655 |
| Cost of funding earning assets | 0.3100% | 4,039 |
| Net interest margin | 3.2532% | 4,298 |
| Noninterest income to average assets | 0.5035% | 2,975 |
| Noninterest expense to average assets | 1.9946% | 4,969 |
| Loan and lease loss provision to assets | 0.0409% | 3,449 |
| Net operating income to assets | 0.9116% | 2,651 |
| Return on assets (ROA) | 0.9118% | 2,675 |
| Pretax return on assets | 1.6229% | 1,232 |
| Return on Equity (ROE) | 10.3138% | 1,765 |
| Retained earnings to average equity (ytd only) | 4.6666% | 2,343 |
| Net charge-offs to loans | 0.0489% | 2,808 |
| Credit loss provision to net charge-offs | 116.2791% | 2,247 |
| Earnings coverage of net charge-offs (x) | 47.2948% | 1,134 |
| Efficiency ratio | 54.5248% | 4,904 |
| Assets per employee ($millions) | 5.7804% | 1,675 |
| Cash dividends to net income (ytd only)* | 54.7536% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,691 |
| Loan loss allowance to noncurrent loans | 181.4783% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,672 |
| Noncurrent loans to loans | 0.6693% | 2,539 |
| Net loans and leases to total assets | 73.1977% | 2,063 |
| Net loans and leases to deposits | 86.0758% | 2,252 |
| Net loans and leases to core deposits | 88.8880% | 2,658 |
| Total domestic deposits to total assets | 85.0387% | 2,824 |
| Equity capital to assets | 9.0407% | 4,678 |
| Core capital (leverage) ratio | 9.1522% | 4,457 |
| Tier 1 risk-based capital ratio | 17.4595% | 1,954 |
| Total risk-based capital ratio | 18.7155% | 1,907 |
| Memoranda: | ||
| Average total assets | $4,889,946,400 | 211 |
| Average earning assets | $4,741,735,000 | 201 |
| Average equity | $432,305,000 | 253 |
| Average total loans | $3,520,336,000 | 214 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5449% | 4,704 |
| Cost of funding earning assets | 0.3070% | 4,064 |
| Net interest margin | 3.2379% | 4,367 |
| Noninterest income to average assets | 0.5167% | 2,925 |
| Noninterest expense to average assets | 2.0024% | 4,946 |
| Loan and lease loss provision to assets | 0.0464% | 3,175 |
| Net operating income to assets | 1.0055% | 2,529 |
| Return on assets (ROA) | 1.0057% | 2,570 |
| Pretax return on assets | 1.6078% | 1,391 |
| Return on Equity (ROE) | 11.4410% | 1,509 |
| Retained earnings to average equity (ytd only) | 5.7596% | 2,397 |
| Net charge-offs to loans | 0.0576% | 2,309 |
| Credit loss provision to net charge-offs | 112.7321% | 2,104 |
| Earnings coverage of net charge-offs (x) | 40.1856% | 1,290 |
| Efficiency ratio | 54.7670% | 4,874 |
| Assets per employee ($millions) | 5.9761% | 1,512 |
| Cash dividends to net income (ytd only)* | 49.6581% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,731 |
| Loan loss allowance to noncurrent loans | 179.5893% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 2,841 |
| Noncurrent loans to loans | 0.6860% | 2,651 |
| Net loans and leases to total assets | 72.5627% | 2,174 |
| Net loans and leases to deposits | 84.8471% | 2,453 |
| Net loans and leases to core deposits | 87.9383% | 2,777 |
| Total domestic deposits to total assets | 85.5217% | 2,512 |
| Equity capital to assets | 9.0504% | 4,873 |
| Core capital (leverage) ratio | 9.0656% | 4,667 |
| Tier 1 risk-based capital ratio | 17.7628% | 1,926 |
| Total risk-based capital ratio | 19.0193% | 1,871 |
| Memoranda: | ||
| Average total assets | $4,885,539,250 | 212 |
| Average earning assets | $4,737,086,750 | 203 |
| Average equity | $429,461,250 | 252 |
| Average total loans | $3,491,319,000 | 217 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,745 |
| Cost of funding earning assets | 0.3068% | 4,019 |
| Net interest margin | 3.2016% | 4,415 |
| Noninterest income to average assets | 0.5070% | 2,972 |
| Noninterest expense to average assets | 2.0139% | 4,956 |
| Loan and lease loss provision to assets | 0.0470% | 3,052 |
| Net operating income to assets | 0.9693% | 2,570 |
| Return on assets (ROA) | 0.9694% | 2,619 |
| Pretax return on assets | 1.5497% | 1,496 |
| Return on Equity (ROE) | 11.1370% | 1,588 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,466 |
| Net charge-offs to loans | 0.0507% | 2,205 |
| Credit loss provision to net charge-offs | 130.9795% | 1,675 |
| Earnings coverage of net charge-offs (x) | 44.4647% | 1,168 |
| Efficiency ratio | 55.7801% | 4,855 |
| Assets per employee ($millions) | 6.0537% | 1,418 |
| Cash dividends to net income (ytd only)* | 51.4681% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,631 |
| Loan loss allowance to noncurrent loans | 180.3488% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 2,857 |
| Noncurrent loans to loans | 0.6981% | 2,658 |
| Net loans and leases to total assets | 70.3691% | 2,471 |
| Net loans and leases to deposits | 82.2946% | 2,670 |
| Net loans and leases to core deposits | 85.1769% | 2,954 |
| Total domestic deposits to total assets | 85.5087% | 2,614 |
| Equity capital to assets | 8.8024% | 5,068 |
| Core capital (leverage) ratio | 8.9112% | 4,827 |
| Tier 1 risk-based capital ratio | 17.3634% | 2,051 |
| Total risk-based capital ratio | 18.6198% | 2,005 |
| Memoranda: | ||
| Average total assets | $4,890,537,330 | 213 |
| Average earning assets | $4,740,629,330 | 205 |
| Average equity | $425,680,670 | 255 |
| Average total loans | $3,462,332,000 | 220 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,761 |
| Cost of funding earning assets | 0.3114% | 3,930 |
| Net interest margin | 3.1644% | 4,454 |
| Noninterest income to average assets | 0.5080% | 2,922 |
| Noninterest expense to average assets | 2.0679% | 4,910 |
| Loan and lease loss provision to assets | 0.0492% | 2,824 |
| Net operating income to assets | 0.9116% | 2,704 |
| Return on assets (ROA) | 0.9116% | 2,758 |
| Pretax return on assets | 1.4575% | 1,671 |
| Return on Equity (ROE) | 10.5331% | 1,724 |
| Retained earnings to average equity (ytd only) | 4.7498% | 3,038 |
| Net charge-offs to loans | 0.0514% | 1,834 |
| Credit loss provision to net charge-offs | 135.7466% | 1,284 |
| Earnings coverage of net charge-offs (x) | 41.5452% | 1,012 |
| Efficiency ratio | 57.8492% | 4,735 |
| Assets per employee ($millions) | 6.0672% | 1,452 |
| Cash dividends to net income (ytd only)* | 54.9055% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,648 |
| Loan loss allowance to noncurrent loans | 167.0193% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 2,829 |
| Noncurrent loans to loans | 0.7647% | 2,569 |
| Net loans and leases to total assets | 69.7132% | 2,439 |
| Net loans and leases to deposits | 81.0981% | 2,613 |
| Net loans and leases to core deposits | 83.8875% | 2,909 |
| Total domestic deposits to total assets | 85.9616% | 2,684 |
| Equity capital to assets | 8.6966% | 5,075 |
| Core capital (leverage) ratio | 8.8437% | 4,914 |
| Tier 1 risk-based capital ratio | 17.3380% | 2,085 |
| Total risk-based capital ratio | 18.5947% | 2,027 |
| Memoranda: | ||
| Average total assets | $4,874,987,500 | 213 |
| Average earning assets | $4,724,294,000 | 205 |
| Average equity | $421,909,000 | 258 |
| Average total loans | $3,439,762,000 | 220 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 4,856 |
| Cost of funding earning assets | 0.3309% | 3,739 |
| Net interest margin | 3.1356% | 4,628 |
| Noninterest income to average assets | 0.5005% | 3,232 |
| Noninterest expense to average assets | 2.0362% | 5,118 |
| Loan and lease loss provision to assets | 0.0614% | 3,139 |
| Net operating income to assets | 0.9005% | 2,819 |
| Return on assets (ROA) | 0.9094% | 2,888 |
| Pretax return on assets | 1.4564% | 1,732 |
| Return on Equity (ROE) | 10.5405% | 1,751 |
| Retained earnings to average equity (ytd only) | 4.6475% | 2,587 |
| Net charge-offs to loans | 0.1140% | 2,121 |
| Credit loss provision to net charge-offs | 77.1847% | 3,017 |
| Earnings coverage of net charge-offs (x) | 18.8943% | 1,941 |
| Efficiency ratio | 57.5184% | 4,904 |
| Assets per employee ($millions) | 6.0221% | 1,468 |
| Cash dividends to net income (ytd only)* | 55.9085% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,656 |
| Loan loss allowance to noncurrent loans | 175.4337% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 2,921 |
| Noncurrent loans to loans | 0.7293% | 2,708 |
| Net loans and leases to total assets | 69.6015% | 2,543 |
| Net loans and leases to deposits | 80.7092% | 2,813 |
| Net loans and leases to core deposits | 83.5812% | 3,064 |
| Total domestic deposits to total assets | 86.2374% | 2,479 |
| Equity capital to assets | 8.6123% | 5,183 |
| Core capital (leverage) ratio | 8.8290% | 4,931 |
| Tier 1 risk-based capital ratio | 17.2375% | 2,075 |
| Total risk-based capital ratio | 18.4942% | 2,035 |
| Memoranda: | ||
| Average total assets | $4,801,774,000 | 207 |
| Average earning assets | $4,654,847,200 | 198 |
| Average equity | $414,269,000 | 252 |
| Average total loans | $3,351,228,800 | 210 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 4,895 |
| Cost of funding earning assets | 0.3350% | 3,718 |
| Net interest margin | 3.1338% | 4,688 |
| Noninterest income to average assets | 0.5055% | 3,212 |
| Noninterest expense to average assets | 2.0508% | 5,106 |
| Loan and lease loss provision to assets | 0.0655% | 2,915 |
| Net operating income to assets | 0.8938% | 2,939 |
| Return on assets (ROA) | 0.9057% | 3,010 |
| Pretax return on assets | 1.4467% | 1,895 |
| Return on Equity (ROE) | 10.4932% | 1,871 |
| Retained earnings to average equity (ytd only) | 4.5863% | 3,087 |
| Net charge-offs to loans | 0.1265% | 1,695 |
| Credit loss provision to net charge-offs | 74.3436% | 2,736 |
| Earnings coverage of net charge-offs (x) | 16.9601% | 2,082 |
| Efficiency ratio | 57.8599% | 4,829 |
| Assets per employee ($millions) | 6.0829% | 1,370 |
| Cash dividends to net income (ytd only)* | 56.2921% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,707 |
| Loan loss allowance to noncurrent loans | 169.3054% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,986 |
| Noncurrent loans to loans | 0.7663% | 2,756 |
| Net loans and leases to total assets | 69.4926% | 2,570 |
| Net loans and leases to deposits | 80.2178% | 2,934 |
| Net loans and leases to core deposits | 83.1903% | 3,199 |
| Total domestic deposits to total assets | 86.6299% | 2,069 |
| Equity capital to assets | 8.7829% | 5,331 |
| Core capital (leverage) ratio | 8.6674% | 5,193 |
| Tier 1 risk-based capital ratio | 17.1099% | 2,194 |
| Total risk-based capital ratio | 18.3668% | 2,149 |
| Memoranda: | ||
| Average total assets | $4,785,757,500 | 209 |
| Average earning assets | $4,640,792,000 | 199 |
| Average equity | $413,070,750 | 252 |
| Average total loans | $3,331,389,000 | 213 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,951 |
| Cost of funding earning assets | 0.3368% | 3,733 |
| Net interest margin | 3.1278% | 4,755 |
| Noninterest income to average assets | 0.5101% | 3,123 |
| Noninterest expense to average assets | 2.0716% | 5,118 |
| Loan and lease loss provision to assets | 0.0670% | 2,798 |
| Net operating income to assets | 0.8821% | 2,956 |
| Return on assets (ROA) | 0.9000% | 2,997 |
| Pretax return on assets | 1.4320% | 1,896 |
| Return on Equity (ROE) | 10.4890% | 1,853 |
| Retained earnings to average equity (ytd only) | 4.5363% | 3,025 |
| Net charge-offs to loans | 0.1387% | 1,493 |
| Credit loss provision to net charge-offs | 69.6561% | 2,479 |
| Earnings coverage of net charge-offs (x) | 15.2969% | 2,003 |
| Efficiency ratio | 58.4757% | 4,838 |
| Assets per employee ($millions) | 6.0239% | 1,379 |
| Cash dividends to net income (ytd only)* | 56.7521% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,687 |
| Loan loss allowance to noncurrent loans | 156.2609% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 2,957 |
| Noncurrent loans to loans | 0.8435% | 2,635 |
| Net loans and leases to total assets | 68.2880% | 2,745 |
| Net loans and leases to deposits | 78.9144% | 3,065 |
| Net loans and leases to core deposits | 81.7083% | 3,299 |
| Total domestic deposits to total assets | 86.5342% | 2,153 |
| Equity capital to assets | 8.6469% | 5,513 |
| Core capital (leverage) ratio | 8.6501% | 5,214 |
| Tier 1 risk-based capital ratio | 17.3189% | 2,127 |
| Total risk-based capital ratio | 18.5764% | 2,088 |
| Memoranda: | ||
| Average total assets | $4,777,155,000 | 210 |
| Average earning assets | $4,631,619,670 | 199 |
| Average equity | $409,895,670 | 254 |
| Average total loans | $3,312,641,330 | 211 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 4,940 |
| Cost of funding earning assets | 0.3360% | 3,771 |
| Net interest margin | 3.1422% | 4,747 |
| Noninterest income to average assets | 0.5116% | 3,037 |
| Noninterest expense to average assets | 2.0704% | 5,176 |
| Loan and lease loss provision to assets | 0.0674% | 2,611 |
| Net operating income to assets | 0.8948% | 2,782 |
| Return on assets (ROA) | 0.8948% | 2,907 |
| Pretax return on assets | 1.4187% | 1,851 |
| Return on Equity (ROE) | 10.4698% | 1,789 |
| Retained earnings to average equity (ytd only) | 4.4595% | 3,260 |
| Net charge-offs to loans | 0.1411% | 1,262 |
| Credit loss provision to net charge-offs | 68.7876% | 1,914 |
| Earnings coverage of net charge-offs (x) | 15.1745% | 1,670 |
| Efficiency ratio | 58.2148% | 4,968 |
| Assets per employee ($millions) | 6.0799% | 1,354 |
| Cash dividends to net income (ytd only)* | 57.4064% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,684 |
| Loan loss allowance to noncurrent loans | 146.4459% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 2,814 |
| Noncurrent loans to loans | 0.9183% | 2,556 |
| Net loans and leases to total assets | 68.3296% | 2,607 |
| Net loans and leases to deposits | 78.6241% | 2,933 |
| Net loans and leases to core deposits | 81.3702% | 3,191 |
| Total domestic deposits to total assets | 86.9066% | 2,252 |
| Equity capital to assets | 8.6153% | 5,477 |
| Core capital (leverage) ratio | 8.6938% | 5,181 |
| Tier 1 risk-based capital ratio | 17.3666% | 2,165 |
| Total risk-based capital ratio | 18.6246% | 2,131 |
| Memoranda: | ||
| Average total assets | $4,750,133,000 | 211 |
| Average earning assets | $4,602,984,000 | 201 |
| Average equity | $405,968,000 | 255 |
| Average total loans | $3,297,365,500 | 209 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 4,944 |
| Cost of funding earning assets | 0.3570% | 3,628 |
| Net interest margin | 3.1335% | 4,828 |
| Noninterest income to average assets | 0.5055% | 3,288 |
| Noninterest expense to average assets | 2.0244% | 5,409 |
| Loan and lease loss provision to assets | 0.0784% | 2,715 |
| Net operating income to assets | 0.9081% | 2,820 |
| Return on assets (ROA) | 0.9115% | 2,886 |
| Pretax return on assets | 1.4398% | 1,756 |
| Return on Equity (ROE) | 10.9378% | 1,638 |
| Retained earnings to average equity (ytd only) | 4.7288% | 2,620 |
| Net charge-offs to loans | 0.1628% | 1,737 |
| Credit loss provision to net charge-offs | 70.2754% | 3,120 |
| Earnings coverage of net charge-offs (x) | 13.5578% | 2,362 |
| Efficiency ratio | 57.2302% | 5,234 |
| Assets per employee ($millions) | 6.0148% | 1,375 |
| Cash dividends to net income (ytd only)* | 56.7665% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,622 |
| Loan loss allowance to noncurrent loans | 158.6686% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 2,863 |
| Noncurrent loans to loans | 0.8566% | 2,639 |
| Net loans and leases to total assets | 68.6270% | 2,610 |
| Net loans and leases to deposits | 79.2257% | 2,917 |
| Net loans and leases to core deposits | 81.1138% | 3,232 |
| Total domestic deposits to total assets | 86.6221% | 2,312 |
| Equity capital to assets | 8.4771% | 5,581 |
| Core capital (leverage) ratio | 8.6013% | 5,330 |
| Tier 1 risk-based capital ratio | 17.2117% | 2,215 |
| Total risk-based capital ratio | 18.4699% | 2,168 |
| Memoranda: | ||
| Average total assets | $4,718,219,000 | 204 |
| Average earning assets | $4,565,113,800 | 187 |
| Average equity | $393,185,400 | 250 |
| Average total loans | $3,234,046,000 | 201 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 5,013 |
| Cost of funding earning assets | 0.3621% | 3,632 |
| Net interest margin | 3.1224% | 4,906 |
| Noninterest income to average assets | 0.4957% | 3,399 |
| Noninterest expense to average assets | 2.0041% | 5,471 |
| Loan and lease loss provision to assets | 0.0679% | 2,820 |
| Net operating income to assets | 0.9178% | 2,879 |
| Return on assets (ROA) | 0.9223% | 2,939 |
| Pretax return on assets | 1.4515% | 1,826 |
| Return on Equity (ROE) | 11.1160% | 1,662 |
| Retained earnings to average equity (ytd only) | 4.8783% | 3,002 |
| Net charge-offs to loans | 0.1482% | 1,652 |
| Credit loss provision to net charge-offs | 67.0766% | 2,819 |
| Earnings coverage of net charge-offs (x) | 14.9449% | 2,216 |
| Efficiency ratio | 56.9928% | 5,229 |
| Assets per employee ($millions) | 6.0774% | 1,314 |
| Cash dividends to net income (ytd only)* | 56.1143% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 2,716 |
| Loan loss allowance to noncurrent loans | 141.5773% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7991% | 2,888 |
| Noncurrent loans to loans | 0.9717% | 2,554 |
| Net loans and leases to total assets | 68.4579% | 2,611 |
| Net loans and leases to deposits | 79.0092% | 2,990 |
| Net loans and leases to core deposits | 80.9068% | 3,351 |
| Total domestic deposits to total assets | 86.6455% | 2,211 |
| Equity capital to assets | 8.4726% | 5,721 |
| Core capital (leverage) ratio | 8.4177% | 5,615 |
| Tier 1 risk-based capital ratio | 16.9680% | 2,391 |
| Total risk-based capital ratio | 18.2263% | 2,332 |
| Memoranda: | ||
| Average total assets | $4,714,360,000 | 208 |
| Average earning assets | $4,560,769,250 | 190 |
| Average equity | $391,162,250 | 254 |
| Average total loans | $3,219,225,500 | 202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 5,063 |
| Cost of funding earning assets | 0.3631% | 3,665 |
| Net interest margin | 3.1077% | 4,952 |
| Noninterest income to average assets | 0.4990% | 3,384 |
| Noninterest expense to average assets | 1.9439% | 5,646 |
| Loan and lease loss provision to assets | 0.0679% | 2,759 |
| Net operating income to assets | 0.9329% | 2,717 |
| Return on assets (ROA) | 0.9396% | 2,813 |
| Pretax return on assets | 1.5035% | 1,643 |
| Return on Equity (ROE) | 11.4052% | 1,557 |
| Retained earnings to average equity (ytd only) | 5.1168% | 2,786 |
| Net charge-offs to loans | 0.1473% | 1,606 |
| Credit loss provision to net charge-offs | 67.9117% | 2,486 |
| Earnings coverage of net charge-offs (x) | 15.6010% | 1,964 |
| Efficiency ratio | 55.4651% | 5,479 |
| Assets per employee ($millions) | 6.2394% | 1,190 |
| Cash dividends to net income (ytd only)* | 55.1363% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 2,729 |
| Loan loss allowance to noncurrent loans | 140.6686% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 2,946 |
| Noncurrent loans to loans | 0.9990% | 2,644 |
| Net loans and leases to total assets | 67.4274% | 2,725 |
| Net loans and leases to deposits | 77.2788% | 3,121 |
| Net loans and leases to core deposits | 79.0423% | 3,482 |
| Total domestic deposits to total assets | 87.2522% | 2,035 |
| Equity capital to assets | 8.2554% | 5,853 |
| Core capital (leverage) ratio | 8.3707% | 5,660 |
| Tier 1 risk-based capital ratio | 16.8479% | 2,465 |
| Total risk-based capital ratio | 18.1065% | 2,417 |
| Memoranda: | ||
| Average total assets | $4,709,733,670 | 209 |
| Average earning assets | $4,555,400,000 | 192 |
| Average equity | $388,015,000 | 257 |
| Average total loans | $3,198,299,330 | 204 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 5,046 |
| Cost of funding earning assets | 0.3692% | 3,656 |
| Net interest margin | 3.0976% | 4,964 |
| Noninterest income to average assets | 0.4905% | 3,345 |
| Noninterest expense to average assets | 1.9480% | 5,671 |
| Loan and lease loss provision to assets | 0.0682% | 2,580 |
| Net operating income to assets | 0.9190% | 2,655 |
| Return on assets (ROA) | 0.9326% | 2,724 |
| Pretax return on assets | 1.4900% | 1,598 |
| Return on Equity (ROE) | 11.3314% | 1,543 |
| Retained earnings to average equity (ytd only) | 5.0149% | 3,046 |
| Net charge-offs to loans | 0.1490% | 1,354 |
| Credit loss provision to net charge-offs | 67.6247% | 1,937 |
| Earnings coverage of net charge-offs (x) | 15.2451% | 1,630 |
| Efficiency ratio | 55.8971% | 5,522 |
| Assets per employee ($millions) | 6.3505% | 1,163 |
| Cash dividends to net income (ytd only)* | 55.7434% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 2,749 |
| Loan loss allowance to noncurrent loans | 137.5198% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 2,950 |
| Noncurrent loans to loans | 1.0461% | 2,672 |
| Net loans and leases to total assets | 66.3536% | 2,716 |
| Net loans and leases to deposits | 76.4522% | 2,999 |
| Net loans and leases to core deposits | 78.1940% | 3,357 |
| Total domestic deposits to total assets | 86.7910% | 2,500 |
| Equity capital to assets | 8.2133% | 5,932 |
| Core capital (leverage) ratio | 8.3884% | 5,647 |
| Tier 1 risk-based capital ratio | 16.5662% | 2,656 |
| Total risk-based capital ratio | 17.8250% | 2,601 |
| Memoranda: | ||
| Average total assets | $4,693,626,000 | 208 |
| Average earning assets | $4,537,321,500 | 191 |
| Average equity | $386,289,500 | 257 |
| Average total loans | $3,175,976,000 | 200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 5,200 |
| Cost of funding earning assets | 0.3529% | 4,221 |
| Net interest margin | 3.2006% | 4,915 |
| Noninterest income to average assets | 0.5861% | 2,944 |
| Noninterest expense to average assets | 1.9728% | 5,816 |
| Loan and lease loss provision to assets | 0.1113% | 2,309 |
| Net operating income to assets | 0.9801% | 2,481 |
| Return on assets (ROA) | 0.9901% | 2,508 |
| Pretax return on assets | 1.6024% | 1,225 |
| Return on Equity (ROE) | 12.2493% | 1,341 |
| Retained earnings to average equity (ytd only) | 5.6581% | 2,164 |
| Net charge-offs to loans | 0.2148% | 1,948 |
| Credit loss provision to net charge-offs | 78.6188% | 2,894 |
| Earnings coverage of net charge-offs (x) | 11.9951% | 2,432 |
| Efficiency ratio | 53.7423% | 5,859 |
| Assets per employee ($millions) | 6.3005% | 1,184 |
| Cash dividends to net income (ytd only)* | 53.8087% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 2,618 |
| Loan loss allowance to noncurrent loans | 136.7143% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 3,039 |
| Noncurrent loans to loans | 1.0729% | 2,671 |
| Net loans and leases to total assets | 67.0190% | 2,725 |
| Net loans and leases to deposits | 77.1777% | 3,064 |
| Net loans and leases to core deposits | 78.8462% | 3,427 |
| Total domestic deposits to total assets | 86.8373% | 2,368 |
| Equity capital to assets | 8.2472% | 5,934 |
| Core capital (leverage) ratio | 8.3253% | 5,753 |
| Tier 1 risk-based capital ratio | 16.5990% | 2,673 |
| Total risk-based capital ratio | 17.8583% | 2,618 |
| Memoranda: | ||
| Average total assets | $4,582,501,800 | 199 |
| Average earning assets | $4,416,474,400 | 182 |
| Average equity | $370,388,600 | 253 |
| Average total loans | $3,019,487,400 | 198 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 5,265 |
| Cost of funding earning assets | 0.3474% | 4,364 |
| Net interest margin | 3.2043% | 4,953 |
| Noninterest income to average assets | 0.6142% | 2,781 |
| Noninterest expense to average assets | 1.9674% | 5,823 |
| Loan and lease loss provision to assets | 0.1197% | 2,072 |
| Net operating income to assets | 0.9947% | 2,470 |
| Return on assets (ROA) | 1.0019% | 2,507 |
| Pretax return on assets | 1.6243% | 1,247 |
| Return on Equity (ROE) | 12.4596% | 1,349 |
| Retained earnings to average equity (ytd only) | 5.8157% | 2,523 |
| Net charge-offs to loans | 0.2368% | 1,628 |
| Credit loss provision to net charge-offs | 77.3293% | 2,648 |
| Earnings coverage of net charge-offs (x) | 11.1956% | 2,453 |
| Efficiency ratio | 53.1692% | 5,904 |
| Assets per employee ($millions) | 6.2511% | 1,166 |
| Cash dividends to net income (ytd only)* | 53.3232% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 2,667 |
| Loan loss allowance to noncurrent loans | 125.8101% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 3,075 |
| Noncurrent loans to loans | 1.1991% | 2,649 |
| Net loans and leases to total assets | 66.2695% | 2,811 |
| Net loans and leases to deposits | 76.1976% | 3,163 |
| Net loans and leases to core deposits | 77.7434% | 3,562 |
| Total domestic deposits to total assets | 86.9706% | 2,337 |
| Equity capital to assets | 8.2718% | 5,967 |
| Core capital (leverage) ratio | 8.3309% | 5,822 |
| Tier 1 risk-based capital ratio | 16.6013% | 2,766 |
| Total risk-based capital ratio | 17.8610% | 2,720 |
| Memoranda: | ||
| Average total assets | $4,567,262,250 | 197 |
| Average earning assets | $4,398,689,250 | 181 |
| Average equity | $367,246,500 | 249 |
| Average total loans | $2,984,777,000 | 197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 5,332 |
| Cost of funding earning assets | 0.3422% | 4,515 |
| Net interest margin | 3.1919% | 4,973 |
| Noninterest income to average assets | 0.6676% | 2,442 |
| Noninterest expense to average assets | 1.9410% | 5,926 |
| Loan and lease loss provision to assets | 0.1315% | 1,883 |
| Net operating income to assets | 1.0240% | 2,229 |
| Return on assets (ROA) | 1.0242% | 2,293 |
| Pretax return on assets | 1.6677% | 1,094 |
| Return on Equity (ROE) | 12.8608% | 1,212 |
| Retained earnings to average equity (ytd only) | 6.1450% | 2,236 |
| Net charge-offs to loans | 0.2560% | 1,532 |
| Credit loss provision to net charge-offs | 79.3861% | 2,344 |
| Earnings coverage of net charge-offs (x) | 10.8595% | 2,208 |
| Efficiency ratio | 51.8983% | 6,074 |
| Assets per employee ($millions) | 6.1455% | 1,202 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 2,620 |
| Loan loss allowance to noncurrent loans | 115.1807% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 2,933 |
| Noncurrent loans to loans | 1.3555% | 2,545 |
| Net loans and leases to total assets | 64.4610% | 3,007 |
| Net loans and leases to deposits | 74.0692% | 3,305 |
| Net loans and leases to core deposits | 75.5059% | 3,673 |
| Total domestic deposits to total assets | 87.0281% | 2,438 |
| Equity capital to assets | 8.1700% | 6,047 |
| Core capital (leverage) ratio | 8.2111% | 5,920 |
| Tier 1 risk-based capital ratio | 16.5712% | 2,793 |
| Total risk-based capital ratio | 17.8314% | 2,758 |
| Memoranda: | ||
| Average total assets | $4,562,327,000 | 196 |
| Average earning assets | $4,391,514,670 | 184 |
| Average equity | $363,322,330 | 249 |
| Average total loans | $2,952,027,330 | 195 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 5,384 |
| Cost of funding earning assets | 0.3486% | 4,554 |
| Net interest margin | 3.1657% | 5,027 |
| Noninterest income to average assets | 0.6060% | 2,703 |
| Noninterest expense to average assets | 1.8951% | 6,076 |
| Loan and lease loss provision to assets | 0.1319% | 1,843 |
| Net operating income to assets | 0.9889% | 2,252 |
| Return on assets (ROA) | 0.9892% | 2,308 |
| Pretax return on assets | 1.6255% | 1,124 |
| Return on Equity (ROE) | 12.5868% | 1,264 |
| Retained earnings to average equity (ytd only) | 5.7607% | 2,664 |
| Net charge-offs to loans | 0.2980% | 1,169 |
| Credit loss provision to net charge-offs | 68.8389% | 2,015 |
| Earnings coverage of net charge-offs (x) | 9.1675% | 1,960 |
| Efficiency ratio | 51.8929% | 6,145 |
| Assets per employee ($millions) | 6.4517% | 1,039 |
| Cash dividends to net income (ytd only)* | 54.2319% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 2,709 |
| Loan loss allowance to noncurrent loans | 105.1202% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 2,906 |
| Noncurrent loans to loans | 1.5214% | 2,519 |
| Net loans and leases to total assets | 63.2667% | 3,021 |
| Net loans and leases to deposits | 72.5808% | 3,264 |
| Net loans and leases to core deposits | 73.9649% | 3,651 |
| Total domestic deposits to total assets | 87.1674% | 2,720 |
| Equity capital to assets | 7.9183% | 6,104 |
| Core capital (leverage) ratio | 8.0972% | 6,040 |
| Tier 1 risk-based capital ratio | 16.6733% | 2,824 |
| Total risk-based capital ratio | 17.9342% | 2,783 |
| Memoranda: | ||
| Average total assets | $4,548,140,500 | 199 |
| Average earning assets | $4,376,079,000 | 183 |
| Average equity | $357,453,500 | 251 |
| Average total loans | $2,924,968,000 | 195 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 5,568 |
| Cost of funding earning assets | 0.3598% | 5,052 |
| Net interest margin | 3.1754% | 5,079 |
| Noninterest income to average assets | 0.5282% | 3,565 |
| Noninterest expense to average assets | 1.9988% | 6,029 |
| Loan and lease loss provision to assets | 0.1578% | 2,313 |
| Net operating income to assets | 0.8959% | 2,801 |
| Return on assets (ROA) | 0.9193% | 2,772 |
| Pretax return on assets | 1.4662% | 1,564 |
| Return on Equity (ROE) | 11.6941% | 1,523 |
| Retained earnings to average equity (ytd only) | 4.6946% | 2,815 |
| Net charge-offs to loans | 0.2596% | 2,411 |
| Credit loss provision to net charge-offs | 97.0470% | 2,570 |
| Earnings coverage of net charge-offs (x) | 9.7643% | 2,464 |
| Efficiency ratio | 55.7350% | 5,977 |
| Assets per employee ($millions) | 6.3871% | 1,043 |
| Cash dividends to net income (ytd only)* | 59.8549% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 2,609 |
| Loan loss allowance to noncurrent loans | 110.3826% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 3,100 |
| Noncurrent loans to loans | 1.4860% | 2,663 |
| Net loans and leases to total assets | 63.2726% | 3,169 |
| Net loans and leases to deposits | 72.8587% | 3,412 |
| Net loans and leases to core deposits | 74.1963% | 3,820 |
| Total domestic deposits to total assets | 86.8429% | 2,809 |
| Equity capital to assets | 7.7996% | 6,136 |
| Core capital (leverage) ratio | 8.0690% | 6,081 |
| Tier 1 risk-based capital ratio | 16.3384% | 2,942 |
| Total risk-based capital ratio | 17.5994% | 2,885 |
| Memoranda: | ||
| Average total assets | $4,436,760,800 | 194 |
| Average earning assets | $4,272,590,600 | 180 |
| Average equity | $348,782,000 | 243 |
| Average total loans | $2,779,015,400 | 194 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 5,611 |
| Cost of funding earning assets | 0.3605% | 5,189 |
| Net interest margin | 3.1714% | 5,082 |
| Noninterest income to average assets | 0.5161% | 3,699 |
| Noninterest expense to average assets | 2.0108% | 5,991 |
| Loan and lease loss provision to assets | 0.1661% | 2,183 |
| Net operating income to assets | 0.8740% | 2,976 |
| Return on assets (ROA) | 0.9017% | 2,939 |
| Pretax return on assets | 1.4379% | 1,805 |
| Return on Equity (ROE) | 11.4472% | 1,667 |
| Retained earnings to average equity (ytd only) | 4.4319% | 3,520 |
| Net charge-offs to loans | 0.2769% | 2,165 |
| Credit loss provision to net charge-offs | 96.4067% | 2,478 |
| Earnings coverage of net charge-offs (x) | 9.0592% | 2,532 |
| Efficiency ratio | 56.3019% | 5,866 |
| Assets per employee ($millions) | 6.3032% | 1,041 |
| Cash dividends to net income (ytd only)* | 61.2840% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 2,678 |
| Loan loss allowance to noncurrent loans | 114.8378% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 3,359 |
| Noncurrent loans to loans | 1.4658% | 2,969 |
| Net loans and leases to total assets | 62.4599% | 3,276 |
| Net loans and leases to deposits | 71.5743% | 3,566 |
| Net loans and leases to core deposits | 72.7718% | 4,001 |
| Total domestic deposits to total assets | 87.2659% | 2,520 |
| Equity capital to assets | 7.7481% | 6,287 |
| Core capital (leverage) ratio | 8.0647% | 6,181 |
| Tier 1 risk-based capital ratio | 16.2456% | 3,064 |
| Total risk-based capital ratio | 17.5069% | 3,024 |
| Memoranda: | ||
| Average total assets | $4,415,437,000 | 190 |
| Average earning assets | $4,253,794,750 | 179 |
| Average equity | $347,801,500 | 244 |
| Average total loans | $2,746,534,750 | 192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 5,633 |
| Cost of funding earning assets | 0.3633% | 5,289 |
| Net interest margin | 3.1657% | 5,066 |
| Noninterest income to average assets | 0.5156% | 3,733 |
| Noninterest expense to average assets | 2.0389% | 5,975 |
| Loan and lease loss provision to assets | 0.1818% | 2,093 |
| Net operating income to assets | 0.8419% | 3,087 |
| Return on assets (ROA) | 0.8836% | 3,036 |
| Pretax return on assets | 1.4102% | 1,894 |
| Return on Equity (ROE) | 11.1559% | 1,762 |
| Retained earnings to average equity (ytd only) | 4.1541% | 3,644 |
| Net charge-offs to loans | 0.3193% | 1,908 |
| Credit loss provision to net charge-offs | 92.2084% | 2,393 |
| Earnings coverage of net charge-offs (x) | 7.7430% | 2,505 |
| Efficiency ratio | 57.1798% | 5,837 |
| Assets per employee ($millions) | 6.2569% | 1,045 |
| Cash dividends to net income (ytd only)* | 62.7637% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 2,695 |
| Loan loss allowance to noncurrent loans | 109.9841% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 3,334 |
| Noncurrent loans to loans | 1.5663% | 2,961 |
| Net loans and leases to total assets | 61.1151% | 3,461 |
| Net loans and leases to deposits | 69.7416% | 3,750 |
| Net loans and leases to core deposits | 70.8640% | 4,178 |
| Total domestic deposits to total assets | 87.6307% | 2,476 |
| Equity capital to assets | 7.6657% | 6,382 |
| Core capital (leverage) ratio | 8.0028% | 6,182 |
| Tier 1 risk-based capital ratio | 16.4103% | 2,975 |
| Total risk-based capital ratio | 17.6721% | 2,933 |
| Memoranda: | ||
| Average total assets | $4,399,695,000 | 189 |
| Average earning assets | $4,239,176,330 | 179 |
| Average equity | $348,478,330 | 244 |
| Average total loans | $2,717,013,670 | 192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5528% | 5,574 |
| Cost of funding earning assets | 0.3685% | 5,385 |
| Net interest margin | 3.1843% | 4,977 |
| Noninterest income to average assets | 0.5245% | 3,609 |
| Noninterest expense to average assets | 2.0483% | 6,010 |
| Loan and lease loss provision to assets | 0.1827% | 2,021 |
| Net operating income to assets | 0.8533% | 2,887 |
| Return on assets (ROA) | 0.8534% | 3,024 |
| Pretax return on assets | 1.3618% | 2,004 |
| Return on Equity (ROE) | 10.6013% | 1,842 |
| Retained earnings to average equity (ytd only) | 3.6783% | 4,021 |
| Net charge-offs to loans | 0.3369% | 1,631 |
| Credit loss provision to net charge-offs | 88.1446% | 2,053 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 2,066 |
| Efficiency ratio | 57.0146% | 5,962 |
| Assets per employee ($millions) | 5.7944% | 1,411 |
| Cash dividends to net income (ytd only)* | 65.3035% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 2,763 |
| Loan loss allowance to noncurrent loans | 95.9898% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3497% | 3,257 |
| Noncurrent loans to loans | 1.8363% | 2,818 |
| Net loans and leases to total assets | 60.2349% | 3,385 |
| Net loans and leases to deposits | 68.8521% | 3,656 |
| Net loans and leases to core deposits | 69.8589% | 4,099 |
| Total domestic deposits to total assets | 87.4845% | 2,638 |
| Equity capital to assets | 8.0099% | 6,371 |
| Core capital (leverage) ratio | 8.0019% | 6,143 |
| Tier 1 risk-based capital ratio | 16.1628% | 3,176 |
| Total risk-based capital ratio | 17.4245% | 3,116 |
| Memoranda: | ||
| Average total assets | $4,378,353,500 | 194 |
| Average earning assets | $4,218,673,000 | 181 |
| Average equity | $352,447,500 | 248 |
| Average total loans | $2,694,244,000 | 197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7008% | 6,051 |
| Cost of funding earning assets | 0.4788% | 5,363 |
| Net interest margin | 3.2219% | 5,513 |
| Noninterest income to average assets | 0.4687% | 4,109 |
| Noninterest expense to average assets | 1.9423% | 6,432 |
| Loan and lease loss provision to assets | 0.2761% | 2,442 |
| Net operating income to assets | 0.8480% | 3,056 |
| Return on assets (ROA) | 0.8798% | 3,159 |
| Pretax return on assets | 1.4046% | 2,025 |
| Return on Equity (ROE) | 11.1132% | 1,769 |
| Retained earnings to average equity (ytd only) | 4.0171% | 3,382 |
| Net charge-offs to loans | 0.4959% | 2,255 |
| Credit loss provision to net charge-offs | 93.8233% | 3,321 |
| Earnings coverage of net charge-offs (x) | 5.5416% | 3,010 |
| Efficiency ratio | 54.3559% | 6,233 |
| Assets per employee ($millions) | 5.7274% | 1,493 |
| Cash dividends to net income (ytd only)* | 63.8532% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 2,636 |
| Loan loss allowance to noncurrent loans | 91.3835% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 3,290 |
| Noncurrent loans to loans | 1.9535% | 2,745 |
| Net loans and leases to total assets | 60.6561% | 3,480 |
| Net loans and leases to deposits | 69.3128% | 3,791 |
| Net loans and leases to core deposits | 70.2393% | 4,277 |
| Total domestic deposits to total assets | 87.5107% | 2,521 |
| Equity capital to assets | 8.0902% | 6,358 |
| Core capital (leverage) ratio | 8.0455% | 6,150 |
| Tier 1 risk-based capital ratio | 16.3536% | 2,964 |
| Total risk-based capital ratio | 17.6160% | 2,915 |
| Memoranda: | ||
| Average total assets | $4,345,694,600 | 188 |
| Average earning assets | $4,187,312,600 | 178 |
| Average equity | $344,031,200 | 250 |
| Average total loans | $2,579,175,200 | 193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 6,155 |
| Cost of funding earning assets | 0.5091% | 5,383 |
| Net interest margin | 3.2260% | 5,631 |
| Noninterest income to average assets | 0.3931% | 4,687 |
| Noninterest expense to average assets | 1.8822% | 6,552 |
| Loan and lease loss provision to assets | 0.2762% | 2,368 |
| Net operating income to assets | 0.8402% | 3,262 |
| Return on assets (ROA) | 0.8676% | 3,386 |
| Pretax return on assets | 1.3876% | 2,276 |
| Return on Equity (ROE) | 11.0201% | 1,953 |
| Retained earnings to average equity (ytd only) | 3.8882% | 4,152 |
| Net charge-offs to loans | 0.5407% | 1,981 |
| Credit loss provision to net charge-offs | 86.9313% | 3,396 |
| Earnings coverage of net charge-offs (x) | 5.1024% | 3,111 |
| Efficiency ratio | 53.7301% | 6,282 |
| Assets per employee ($millions) | 5.6924% | 1,462 |
| Cash dividends to net income (ytd only)* | 64.7169% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,736 |
| Loan loss allowance to noncurrent loans | 93.8068% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 3,558 |
| Noncurrent loans to loans | 1.9375% | 2,914 |
| Net loans and leases to total assets | 59.1406% | 3,941 |
| Net loans and leases to deposits | 67.7504% | 4,223 |
| Net loans and leases to core deposits | 68.6950% | 4,650 |
| Total domestic deposits to total assets | 87.2919% | 2,505 |
| Equity capital to assets | 8.1171% | 6,533 |
| Core capital (leverage) ratio | 8.0017% | 6,326 |
| Tier 1 risk-based capital ratio | 16.1557% | 3,187 |
| Total risk-based capital ratio | 17.4178% | 3,155 |
| Memoranda: | ||
| Average total assets | $4,345,335,250 | 190 |
| Average earning assets | $4,189,007,250 | 182 |
| Average equity | $342,116,250 | 251 |
| Average total loans | $2,552,787,250 | 197 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 6,261 |
| Cost of funding earning assets | 0.5424% | 5,355 |
| Net interest margin | 3.2042% | 5,730 |
| Noninterest income to average assets | 0.3901% | 4,725 |
| Noninterest expense to average assets | 1.8905% | 6,612 |
| Loan and lease loss provision to assets | 0.2804% | 2,340 |
| Net operating income to assets | 0.8240% | 3,279 |
| Return on assets (ROA) | 0.8455% | 3,436 |
| Pretax return on assets | 1.3421% | 2,414 |
| Return on Equity (ROE) | 10.8505% | 2,046 |
| Retained earnings to average equity (ytd only) | 3.6550% | 4,165 |
| Net charge-offs to loans | 0.5364% | 1,987 |
| Credit loss provision to net charge-offs | 89.7191% | 3,058 |
| Earnings coverage of net charge-offs (x) | 5.0844% | 2,910 |
| Efficiency ratio | 54.3366% | 6,289 |
| Assets per employee ($millions) | 5.9410% | 1,276 |
| Cash dividends to net income (ytd only)* | 66.3152% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 2,626 |
| Loan loss allowance to noncurrent loans | 93.7595% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 3,924 |
| Noncurrent loans to loans | 2.0008% | 2,948 |
| Net loans and leases to total assets | 56.7456% | 4,359 |
| Net loans and leases to deposits | 64.4220% | 4,705 |
| Net loans and leases to core deposits | 65.6665% | 5,040 |
| Total domestic deposits to total assets | 88.0842% | 2,087 |
| Equity capital to assets | 7.7742% | 6,684 |
| Core capital (leverage) ratio | 7.7297% | 6,499 |
| Tier 1 risk-based capital ratio | 15.9225% | 3,201 |
| Total risk-based capital ratio | 17.1848% | 3,161 |
| Memoranda: | ||
| Average total assets | $4,351,697,000 | 189 |
| Average earning assets | $4,195,466,670 | 182 |
| Average equity | $339,099,000 | 251 |
| Average total loans | $2,535,071,670 | 198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 6,288 |
| Cost of funding earning assets | 0.5704% | 5,359 |
| Net interest margin | 3.2116% | 5,753 |
| Noninterest income to average assets | 0.3838% | 4,800 |
| Noninterest expense to average assets | 1.9098% | 6,631 |
| Loan and lease loss provision to assets | 0.2874% | 2,161 |
| Net operating income to assets | 0.8054% | 3,355 |
| Return on assets (ROA) | 0.8456% | 3,423 |
| Pretax return on assets | 1.3428% | 2,382 |
| Return on Equity (ROE) | 10.8389% | 2,094 |
| Retained earnings to average equity (ytd only) | 3.5900% | 4,421 |
| Net charge-offs to loans | 0.5204% | 1,786 |
| Credit loss provision to net charge-offs | 94.4546% | 2,469 |
| Earnings coverage of net charge-offs (x) | 5.1514% | 2,429 |
| Efficiency ratio | 54.9231% | 6,238 |
| Assets per employee ($millions) | 5.9659% | 1,301 |
| Cash dividends to net income (ytd only)* | 66.8786% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 2,608 |
| Loan loss allowance to noncurrent loans | 95.4511% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 4,058 |
| Noncurrent loans to loans | 2.0143% | 3,142 |
| Net loans and leases to total assets | 56.5380% | 4,284 |
| Net loans and leases to deposits | 64.2831% | 4,592 |
| Net loans and leases to core deposits | 65.5588% | 4,966 |
| Total domestic deposits to total assets | 87.9515% | 2,353 |
| Equity capital to assets | 7.7504% | 6,660 |
| Core capital (leverage) ratio | 7.7376% | 6,459 |
| Tier 1 risk-based capital ratio | 15.8716% | 3,235 |
| Total risk-based capital ratio | 17.1342% | 3,201 |
| Memoranda: | ||
| Average total assets | $4,314,513,000 | 187 |
| Average earning assets | $4,155,793,000 | 180 |
| Average equity | $336,602,000 | 247 |
| Average total loans | $2,522,800,500 | 199 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 6,307 |
| Cost of funding earning assets | 0.6692% | 5,714 |
| Net interest margin | 3.4129% | 5,443 |
| Noninterest income to average assets | 0.2258% | 5,919 |
| Noninterest expense to average assets | 1.7815% | 6,976 |
| Loan and lease loss provision to assets | 0.4573% | 2,312 |
| Net operating income to assets | 0.8018% | 3,030 |
| Return on assets (ROA) | 0.8234% | 3,104 |
| Pretax return on assets | 1.2982% | 2,139 |
| Return on Equity (ROE) | 11.8261% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.9819% | 2,651 |
| Net charge-offs to loans | 0.4918% | 3,024 |
| Credit loss provision to net charge-offs | 156.9826% | 1,782 |
| Earnings coverage of net charge-offs (x) | 5.9111% | 2,647 |
| Efficiency ratio | 50.8524% | 6,785 |
| Assets per employee ($millions) | 5.8541% | 1,327 |
| Cash dividends to net income (ytd only)* | 57.8740% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,469 |
| Loan loss allowance to noncurrent loans | 100.5179% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2642% | 4,117 |
| Noncurrent loans to loans | 1.9223% | 3,306 |
| Net loans and leases to total assets | 58.1773% | 4,340 |
| Net loans and leases to deposits | 66.1829% | 4,703 |
| Net loans and leases to core deposits | 67.6211% | 5,079 |
| Total domestic deposits to total assets | 87.9038% | 2,219 |
| Equity capital to assets | 7.8544% | 6,657 |
| Core capital (leverage) ratio | 7.8965% | 6,362 |
| Tier 1 risk-based capital ratio | 15.7474% | 3,192 |
| Total risk-based capital ratio | 17.0085% | 3,146 |
| Memoranda: | ||
| Average total assets | $4,100,589,800 | 194 |
| Average earning assets | $3,937,811,800 | 185 |
| Average equity | $285,496,000 | 272 |
| Average total loans | $2,428,515,200 | 203 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 6,352 |
| Cost of funding earning assets | 0.6925% | 5,812 |
| Net interest margin | 3.4334% | 5,452 |
| Noninterest income to average assets | 0.2267% | 5,996 |
| Noninterest expense to average assets | 1.8271% | 6,953 |
| Loan and lease loss provision to assets | 0.4774% | 2,082 |
| Net operating income to assets | 0.7889% | 3,221 |
| Return on assets (ROA) | 0.8156% | 3,247 |
| Pretax return on assets | 1.2593% | 2,433 |
| Return on Equity (ROE) | 12.1205% | 1,523 |
| Retained earnings to average equity (ytd only) | 5.5728% | 2,810 |
| Net charge-offs to loans | 0.4811% | 2,812 |
| Credit loss provision to net charge-offs | 167.6460% | 1,805 |
| Earnings coverage of net charge-offs (x) | 5.9543% | 2,660 |
| Efficiency ratio | 51.8643% | 6,693 |
| Assets per employee ($millions) | 5.8383% | 1,319 |
| Cash dividends to net income (ytd only)* | 54.0213% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 2,545 |
| Loan loss allowance to noncurrent loans | 102.4178% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,287 |
| Noncurrent loans to loans | 1.8820% | 3,530 |
| Net loans and leases to total assets | 57.8352% | 4,537 |
| Net loans and leases to deposits | 66.0546% | 4,898 |
| Net loans and leases to core deposits | 67.5200% | 5,236 |
| Total domestic deposits to total assets | 87.5567% | 2,321 |
| Equity capital to assets | 7.9402% | 6,732 |
| Core capital (leverage) ratio | 7.9225% | 6,466 |
| Tier 1 risk-based capital ratio | 15.6930% | 3,281 |
| Total risk-based capital ratio | 16.9553% | 3,237 |
| Memoranda: | ||
| Average total assets | $4,063,218,500 | 197 |
| Average earning assets | $3,900,734,250 | 185 |
| Average equity | $273,415,250 | 282 |
| Average total loans | $2,405,320,250 | 204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 6,371 |
| Cost of funding earning assets | 0.7122% | 5,890 |
| Net interest margin | 3.4463% | 5,384 |
| Noninterest income to average assets | 0.2001% | 6,235 |
| Noninterest expense to average assets | 1.8964% | 6,954 |
| Loan and lease loss provision to assets | 0.4706% | 2,103 |
| Net operating income to assets | 0.7364% | 3,355 |
| Return on assets (ROA) | 0.7718% | 3,326 |
| Pretax return on assets | 1.1935% | 2,508 |
| Return on Equity (ROE) | 12.2379% | 1,426 |
| Retained earnings to average equity (ytd only) | 6.4525% | 2,168 |
| Net charge-offs to loans | 0.4872% | 2,639 |
| Credit loss provision to net charge-offs | 162.9310% | 1,859 |
| Earnings coverage of net charge-offs (x) | 5.5734% | 2,580 |
| Efficiency ratio | 54.0889% | 6,611 |
| Assets per employee ($millions) | 5.5940% | 1,487 |
| Cash dividends to net income (ytd only)* | 47.2740% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8765% | 2,743 |
| Loan loss allowance to noncurrent loans | 92.5905% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,251 |
| Noncurrent loans to loans | 2.0267% | 3,443 |
| Net loans and leases to total assets | 58.4209% | 4,558 |
| Net loans and leases to deposits | 65.2261% | 5,112 |
| Net loans and leases to core deposits | 66.4981% | 5,447 |
| Total domestic deposits to total assets | 89.5668% | 1,205 |
| Equity capital to assets | 6.4165% | 7,200 |
| Core capital (leverage) ratio | 6.3384% | 7,151 |
| Tier 1 risk-based capital ratio | 12.5594% | 5,282 |
| Total risk-based capital ratio | 13.8214% | 5,245 |
| Memoranda: | ||
| Average total assets | $4,016,426,330 | 203 |
| Average earning assets | $3,852,979,670 | 189 |
| Average equity | $253,295,330 | 302 |
| Average total loans | $2,380,780,000 | 211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 6,396 |
| Cost of funding earning assets | 0.7429% | 5,907 |
| Net interest margin | 3.4062% | 5,407 |
| Noninterest income to average assets | 0.2402% | 5,985 |
| Noninterest expense to average assets | 1.9084% | 6,974 |
| Loan and lease loss provision to assets | 0.4617% | 1,909 |
| Net operating income to assets | 0.7363% | 3,340 |
| Return on assets (ROA) | 0.7550% | 3,311 |
| Pretax return on assets | 1.1630% | 2,500 |
| Return on Equity (ROE) | 12.0797% | 1,439 |
| Retained earnings to average equity (ytd only) | 8.4669% | 1,563 |
| Net charge-offs to loans | 0.4804% | 2,270 |
| Credit loss provision to net charge-offs | 162.4868% | 1,781 |
| Earnings coverage of net charge-offs (x) | 5.6167% | 2,243 |
| Efficiency ratio | 54.4593% | 6,653 |
| Assets per employee ($millions) | 5.4201% | 1,643 |
| Cash dividends to net income (ytd only)* | 29.9083% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8515% | 2,853 |
| Loan loss allowance to noncurrent loans | 87.2414% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 4,155 |
| Noncurrent loans to loans | 2.1223% | 3,417 |
| Net loans and leases to total assets | 57.7290% | 4,684 |
| Net loans and leases to deposits | 64.4422% | 5,196 |
| Net loans and leases to core deposits | 65.7450% | 5,540 |
| Total domestic deposits to total assets | 89.5826% | 1,437 |
| Equity capital to assets | 6.2760% | 7,253 |
| Core capital (leverage) ratio | 6.3611% | 7,200 |
| Tier 1 risk-based capital ratio | 12.3629% | 5,384 |
| Total risk-based capital ratio | 13.6235% | 5,360 |
| Memoranda: | ||
| Average total assets | $3,985,640,500 | 200 |
| Average earning assets | $3,819,223,500 | 188 |
| Average equity | $249,111,500 | 302 |
| Average total loans | $2,357,187,000 | 211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 6,529 |
| Cost of funding earning assets | 0.9632% | 5,875 |
| Net interest margin | 3.4814% | 5,317 |
| Noninterest income to average assets | 0.2639% | 5,901 |
| Noninterest expense to average assets | 1.8986% | 7,166 |
| Loan and lease loss provision to assets | 0.6085% | 2,699 |
| Net operating income to assets | 0.7241% | 3,130 |
| Return on assets (ROA) | 0.7830% | 3,000 |
| Pretax return on assets | 1.1747% | 2,316 |
| Return on Equity (ROE) | 12.2676% | 1,262 |
| Retained earnings to average equity (ytd only) | 6.5096% | 1,551 |
| Net charge-offs to loans | 0.8135% | 2,603 |
| Credit loss provision to net charge-offs | 122.8814% | 3,391 |
| Earnings coverage of net charge-offs (x) | 3.4235% | 3,371 |
| Efficiency ratio | 52.8297% | 6,912 |
| Assets per employee ($millions) | 5.3664% | 1,700 |
| Cash dividends to net income (ytd only)* | 46.9369% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 2,926 |
| Loan loss allowance to noncurrent loans | 86.4536% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4113% | 4,229 |
| Noncurrent loans to loans | 2.0583% | 3,474 |
| Net loans and leases to total assets | 58.4118% | 4,967 |
| Net loans and leases to deposits | 65.0896% | 5,509 |
| Net loans and leases to core deposits | 66.4094% | 5,835 |
| Total domestic deposits to total assets | 89.7405% | 1,244 |
| Equity capital to assets | 6.2241% | 7,309 |
| Core capital (leverage) ratio | 6.3091% | 7,244 |
| Tier 1 risk-based capital ratio | 12.1673% | 5,319 |
| Total risk-based capital ratio | 13.4270% | 5,287 |
| Memoranda: | ||
| Average total assets | $3,812,782,000 | 209 |
| Average earning assets | $3,646,944,600 | 197 |
| Average equity | $243,364,800 | 302 |
| Average total loans | $2,320,765,800 | 215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 6,554 |
| Cost of funding earning assets | 1.0125% | 5,882 |
| Net interest margin | 3.5097% | 5,254 |
| Noninterest income to average assets | 0.2750% | 5,909 |
| Noninterest expense to average assets | 1.8860% | 7,225 |
| Loan and lease loss provision to assets | 0.6250% | 2,432 |
| Net operating income to assets | 0.7474% | 3,221 |
| Return on assets (ROA) | 0.8059% | 3,123 |
| Pretax return on assets | 1.2081% | 2,459 |
| Return on Equity (ROE) | 12.5448% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.0485% | 1,821 |
| Net charge-offs to loans | 0.8340% | 2,369 |
| Credit loss provision to net charge-offs | 122.3897% | 3,359 |
| Earnings coverage of net charge-offs (x) | 3.4185% | 3,463 |
| Efficiency ratio | 51.9319% | 6,984 |
| Assets per employee ($millions) | 5.3313% | 1,791 |
| Cash dividends to net income (ytd only)* | 43.8135% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 3,027 |
| Loan loss allowance to noncurrent loans | 81.2598% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 4,308 |
| Noncurrent loans to loans | 2.1398% | 3,526 |
| Net loans and leases to total assets | 60.1088% | 4,893 |
| Net loans and leases to deposits | 67.2022% | 5,521 |
| Net loans and leases to core deposits | 68.4436% | 5,896 |
| Total domestic deposits to total assets | 89.4446% | 1,151 |
| Equity capital to assets | 6.5603% | 7,420 |
| Core capital (leverage) ratio | 6.4447% | 7,346 |
| Tier 1 risk-based capital ratio | 12.0709% | 5,390 |
| Total risk-based capital ratio | 13.3300% | 5,356 |
| Memoranda: | ||
| Average total assets | $3,775,875,500 | 208 |
| Average earning assets | $3,611,278,500 | 196 |
| Average equity | $242,581,250 | 301 |
| Average total loans | $2,312,143,250 | 214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 6,472 |
| Cost of funding earning assets | 1.0517% | 5,909 |
| Net interest margin | 3.5433% | 5,074 |
| Noninterest income to average assets | 0.2783% | 5,928 |
| Noninterest expense to average assets | 1.9169% | 7,238 |
| Loan and lease loss provision to assets | 0.6285% | 2,282 |
| Net operating income to assets | 0.7127% | 3,346 |
| Return on assets (ROA) | 0.7653% | 3,274 |
| Pretax return on assets | 1.2006% | 2,413 |
| Return on Equity (ROE) | 11.9982% | 1,459 |
| Retained earnings to average equity (ytd only) | 6.9878% | 1,837 |
| Net charge-offs to loans | 0.8834% | 2,069 |
| Credit loss provision to net charge-offs | 116.1417% | 3,497 |
| Earnings coverage of net charge-offs (x) | 3.2284% | 3,400 |
| Efficiency ratio | 52.3172% | 7,037 |
| Assets per employee ($millions) | 5.2058% | 1,919 |
| Cash dividends to net income (ytd only)* | 41.7595% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 3,139 |
| Loan loss allowance to noncurrent loans | 79.2818% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 4,329 |
| Noncurrent loans to loans | 2.1235% | 3,560 |
| Net loans and leases to total assets | 59.7126% | 5,118 |
| Net loans and leases to deposits | 66.6654% | 5,725 |
| Net loans and leases to core deposits | 68.0315% | 6,053 |
| Total domestic deposits to total assets | 89.5705% | 1,142 |
| Equity capital to assets | 6.3970% | 7,484 |
| Core capital (leverage) ratio | 6.3283% | 7,424 |
| Tier 1 risk-based capital ratio | 12.1968% | 5,133 |
| Total risk-based capital ratio | 13.4557% | 5,094 |
| Memoranda: | ||
| Average total assets | $3,754,994,670 | 208 |
| Average earning assets | $3,587,814,000 | 196 |
| Average equity | $239,501,670 | 301 |
| Average total loans | $2,300,152,330 | 215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 6,354 |
| Cost of funding earning assets | 1.0810% | 5,985 |
| Net interest margin | 3.5853% | 4,791 |
| Noninterest income to average assets | 0.2054% | 6,495 |
| Noninterest expense to average assets | 1.9339% | 7,279 |
| Loan and lease loss provision to assets | 0.5062% | 2,467 |
| Net operating income to assets | 0.7555% | 3,184 |
| Return on assets (ROA) | 0.7558% | 3,290 |
| Pretax return on assets | 1.1855% | 2,413 |
| Return on Equity (ROE) | 11.8680% | 1,532 |
| Retained earnings to average equity (ytd only) | 6.7948% | 2,218 |
| Net charge-offs to loans | 0.4901% | 2,595 |
| Credit loss provision to net charge-offs | 167.8571% | 2,164 |
| Earnings coverage of net charge-offs (x) | 5.6086% | 2,362 |
| Efficiency ratio | 53.3466% | 7,037 |
| Assets per employee ($millions) | 5.1103% | 2,078 |
| Cash dividends to net income (ytd only)* | 42.7472% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,970 |
| Loan loss allowance to noncurrent loans | 84.9302% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4830% | 4,288 |
| Noncurrent loans to loans | 2.0316% | 3,740 |
| Net loans and leases to total assets | 60.2929% | 5,073 |
| Net loans and leases to deposits | 67.4869% | 5,651 |
| Net loans and leases to core deposits | 68.9272% | 6,012 |
| Total domestic deposits to total assets | 89.3401% | 1,336 |
| Equity capital to assets | 6.4220% | 7,545 |
| Core capital (leverage) ratio | 6.3893% | 7,504 |
| Tier 1 risk-based capital ratio | 11.8943% | 5,303 |
| Total risk-based capital ratio | 13.1532% | 5,247 |
| Memoranda: | ||
| Average total assets | $3,714,150,500 | 213 |
| Average earning assets | $3,542,706,000 | 203 |
| Average equity | $236,535,500 | 306 |
| Average total loans | $2,285,121,500 | 224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 7,167 |
| Cost of funding earning assets | 1.4426% | 5,749 |
| Net interest margin | 3.2389% | 5,961 |
| Noninterest income to average assets | 0.4188% | 5,056 |
| Noninterest expense to average assets | 2.0419% | 7,295 |
| Loan and lease loss provision to assets | 0.3148% | 4,929 |
| Net operating income to assets | 0.7590% | 2,682 |
| Return on assets (ROA) | 0.7925% | 2,652 |
| Pretax return on assets | 1.2208% | 1,901 |
| Return on Equity (ROE) | 12.6356% | 1,031 |
| Retained earnings to average equity (ytd only) | 6.6380% | 1,102 |
| Net charge-offs to loans | 0.4471% | 3,998 |
| Credit loss provision to net charge-offs | 114.6013% | 4,777 |
| Earnings coverage of net charge-offs (x) | 5.4028% | 2,611 |
| Efficiency ratio | 57.9080% | 6,776 |
| Assets per employee ($millions) | 5.0516% | 2,154 |
| Cash dividends to net income (ytd only)* | 47.4657% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 3,096 |
| Loan loss allowance to noncurrent loans | 82.3786% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4779% | 4,170 |
| Noncurrent loans to loans | 2.0001% | 3,650 |
| Net loans and leases to total assets | 60.6830% | 5,236 |
| Net loans and leases to deposits | 67.8918% | 5,847 |
| Net loans and leases to core deposits | 79.6012% | 6,137 |
| Total domestic deposits to total assets | 89.3819% | 1,273 |
| Equity capital to assets | 6.3145% | 7,611 |
| Core capital (leverage) ratio | 6.3336% | 7,544 |
| Tier 1 risk-based capital ratio | 11.4497% | 5,455 |
| Total risk-based capital ratio | 12.7069% | 5,408 |
| Memoranda: | ||
| Average total assets | $3,592,420,800 | 220 |
| Average earning assets | $3,446,584,600 | 211 |
| Average equity | $225,307,400 | 315 |
| Average total loans | $2,207,253,200 | 236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 7,334 |
| Cost of funding earning assets | 1.5161% | 5,760 |
| Net interest margin | 3.1515% | 6,172 |
| Noninterest income to average assets | 0.4468% | 4,921 |
| Noninterest expense to average assets | 2.0752% | 7,231 |
| Loan and lease loss provision to assets | 0.2957% | 4,608 |
| Net operating income to assets | 0.7208% | 3,131 |
| Return on assets (ROA) | 0.7442% | 3,101 |
| Pretax return on assets | 1.1407% | 2,447 |
| Return on Equity (ROE) | 11.8872% | 1,386 |
| Retained earnings to average equity (ytd only) | 5.3180% | 2,301 |
| Net charge-offs to loans | 0.4412% | 3,478 |
| Credit loss provision to net charge-offs | 109.2089% | 4,657 |
| Earnings coverage of net charge-offs (x) | 5.1715% | 2,905 |
| Efficiency ratio | 59.7072% | 6,455 |
| Assets per employee ($millions) | 5.0393% | 2,103 |
| Cash dividends to net income (ytd only)* | 55.2625% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 2,810 |
| Loan loss allowance to noncurrent loans | 84.3517% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3974% | 4,307 |
| Noncurrent loans to loans | 1.9558% | 3,697 |
| Net loans and leases to total assets | 59.9089% | 5,595 |
| Net loans and leases to deposits | 67.2614% | 6,190 |
| Net loans and leases to core deposits | 79.5382% | 6,390 |
| Total domestic deposits to total assets | 89.0688% | 1,163 |
| Equity capital to assets | 6.3018% | 7,805 |
| Core capital (leverage) ratio | 6.2335% | 7,756 |
| Tier 1 risk-based capital ratio | 11.7415% | 5,209 |
| Total risk-based capital ratio | 12.9995% | 5,147 |
| Memoranda: | ||
| Average total assets | $3,566,076,250 | 233 |
| Average earning assets | $3,427,446,250 | 220 |
| Average equity | $223,259,750 | 332 |
| Average total loans | $2,188,684,750 | 254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 7,468 |
| Cost of funding earning assets | 1.6081% | 5,713 |
| Net interest margin | 3.0356% | 6,449 |
| Noninterest income to average assets | 0.4845% | 4,587 |
| Noninterest expense to average assets | 2.1324% | 7,206 |
| Loan and lease loss provision to assets | 0.2694% | 4,427 |
| Net operating income to assets | 0.6737% | 3,370 |
| Return on assets (ROA) | 0.6764% | 3,471 |
| Pretax return on assets | 1.0037% | 2,998 |
| Return on Equity (ROE) | 10.8281% | 1,747 |
| Retained earnings to average equity (ytd only) | 3.1261% | 3,576 |
| Net charge-offs to loans | 0.4370% | 3,059 |
| Credit loss provision to net charge-offs | 100.1894% | 4,554 |
| Earnings coverage of net charge-offs (x) | 4.7196% | 3,024 |
| Efficiency ratio | 62.6893% | 6,142 |
| Assets per employee ($millions) | 4.9491% | 2,144 |
| Cash dividends to net income (ytd only)* | 71.1297% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 2,513 |
| Loan loss allowance to noncurrent loans | 83.1949% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4010% | 4,156 |
| Noncurrent loans to loans | 1.9870% | 3,544 |
| Net loans and leases to total assets | 59.8709% | 5,694 |
| Net loans and leases to deposits | 66.5142% | 6,345 |
| Net loans and leases to core deposits | 77.6574% | 6,562 |
| Total domestic deposits to total assets | 90.0123% | 829 |
| Equity capital to assets | 6.1998% | 7,894 |
| Core capital (leverage) ratio | 6.1993% | 7,880 |
| Tier 1 risk-based capital ratio | 11.6497% | 5,243 |
| Total risk-based capital ratio | 12.9076% | 5,166 |
| Memoranda: | ||
| Average total assets | $3,533,579,670 | 240 |
| Average earning assets | $3,395,516,670 | 227 |
| Average equity | $220,722,330 | 341 |
| Average total loans | $2,174,373,670 | 263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 7,583 |
| Cost of funding earning assets | 1.7455% | 5,378 |
| Net interest margin | 2.8957% | 6,756 |
| Noninterest income to average assets | 0.5976% | 3,567 |
| Noninterest expense to average assets | 2.0874% | 7,148 |
| Loan and lease loss provision to assets | 0.2283% | 4,163 |
| Net operating income to assets | 0.7240% | 3,447 |
| Return on assets (ROA) | 0.7326% | 3,608 |
| Pretax return on assets | 1.0770% | 3,072 |
| Return on Equity (ROE) | 11.6831% | 1,764 |
| Retained earnings to average equity (ytd only) | 0.7592% | 5,361 |
| Net charge-offs to loans | 0.3674% | 2,625 |
| Credit loss provision to net charge-offs | 100.4520% | 3,705 |
| Earnings coverage of net charge-offs (x) | 5.6871% | 2,627 |
| Efficiency ratio | 61.7570% | 6,101 |
| Assets per employee ($millions) | 4.5521% | 2,642 |
| Cash dividends to net income (ytd only)* | 93.5016% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 2,258 |
| Loan loss allowance to noncurrent loans | 86.5586% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.3148% | 4,040 |
| Noncurrent loans to loans | 1.9229% | 3,376 |
| Net loans and leases to total assets | 61.3456% | 5,438 |
| Net loans and leases to deposits | 68.9318% | 6,083 |
| Net loans and leases to core deposits | 79.9506% | 6,388 |
| Total domestic deposits to total assets | 88.9946% | 1,231 |
| Equity capital to assets | 6.3469% | 7,919 |
| Core capital (leverage) ratio | 6.3116% | 7,941 |
| Tier 1 risk-based capital ratio | 11.6055% | 5,301 |
| Total risk-based capital ratio | 12.8636% | 5,199 |
| Memoranda: | ||
| Average total assets | $3,503,841,000 | 244 |
| Average earning assets | $3,366,843,000 | 231 |
| Average equity | $219,701,500 | 342 |
| Average total loans | $2,167,883,000 | 266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 7,700 |
| Cost of funding earning assets | 2.2542% | 5,351 |
| Net interest margin | 2.9239% | 7,098 |
| Noninterest income to average assets | 0.5209% | 4,461 |
| Noninterest expense to average assets | 1.7381% | 7,827 |
| Loan and lease loss provision to assets | 0.1216% | 5,804 |
| Net operating income to assets | 0.9826% | 2,622 |
| Return on assets (ROA) | 0.9977% | 2,448 |
| Pretax return on assets | 1.4756% | 1,750 |
| Return on Equity (ROE) | 15.5319% | 846 |
| Retained earnings to average equity (ytd only) | 2.9065% | 3,364 |
| Net charge-offs to loans | 0.1330% | 4,889 |
| Credit loss provision to net charge-offs | 155.4980% | 3,359 |
| Earnings coverage of net charge-offs (x) | 20.1422% | 1,589 |
| Efficiency ratio | 52.4611% | 7,436 |
| Assets per employee ($millions) | 4.6447% | 2,409 |
| Cash dividends to net income (ytd only)* | 81.2866% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 1,996 |
| Loan loss allowance to noncurrent loans | 108.5751% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 4,342 |
| Noncurrent loans to loans | 1.5390% | 3,486 |
| Net loans and leases to total assets | 60.3401% | 5,860 |
| Net loans and leases to deposits | 67.8250% | 6,479 |
| Net loans and leases to core deposits | 79.3364% | 6,665 |
| Total domestic deposits to total assets | 88.9644% | 1,056 |
| Equity capital to assets | 6.1947% | 8,019 |
| Core capital (leverage) ratio | 6.2190% | 8,012 |
| Tier 1 risk-based capital ratio | 11.5839% | 5,165 |
| Total risk-based capital ratio | 12.8421% | 5,048 |
| Memoranda: | ||
| Average total assets | $3,454,125,400 | 233 |
| Average earning assets | $3,298,627,800 | 225 |
| Average equity | $221,879,200 | 338 |
| Average total loans | $2,030,085,400 | 271 |