Home > Washington Trust Bank > Performance and Condition Ratios
Washington Trust Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 3,602 |
| Cost of funding earning assets | 1.4698% | 2,022 |
| Net interest margin | 2.7428% | 3,759 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.3673% | 2,670 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.5259% | 3,614 |
| Return on assets (ROA) | 0.5259% | 3,599 |
| Pretax return on assets | 0.6700% | 3,496 |
| Return on Equity (ROE) | 6.7700% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.1273% | 2,912 |
| Net charge-offs to loans | 0.0227% | 1,874 |
| Credit loss provision to net charge-offs | 737.3418% | 511 |
| Earnings coverage of net charge-offs (x) | 59.8840% | 1,190 |
| Efficiency ratio | 75.1325% | 1,336 |
| Assets per employee ($millions) | 9.6668% | 782 |
| Cash dividends to net income (ytd only)* | 38.9972% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2451% | 265 |
| Loan loss allowance to noncurrent loans | 464.4149% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 1,848 |
| Noncurrent loans to loans | 0.4834% | 1,575 |
| Net loans and leases to total assets | 55.6500% | 3,225 |
| Net loans and leases to deposits | 78.1535% | 2,246 |
| Net loans and leases to core deposits | 80.2212% | 2,692 |
| Total domestic deposits to total assets | 71.2100% | 4,254 |
| Equity capital to assets | 7.5420% | 3,696 |
| Core capital (leverage) ratio | 8.0225% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1404% | 2,196 |
| Memoranda: | ||
| Average total assets | $10,867,928,400 | 152 |
| Average earning assets | $10,393,904,600 | 146 |
| Average equity | $844,815,800 | 185 |
| Average total loans | $6,276,208,800 | 171 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,660 |
| Cost of funding earning assets | 1.2766% | 2,207 |
| Net interest margin | 2.8245% | 3,687 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.3807% | 2,581 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.5715% | 3,621 |
| Return on assets (ROA) | 0.5715% | 3,604 |
| Pretax return on assets | 0.7296% | 3,490 |
| Return on Equity (ROE) | 7.2900% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.4935% | 3,110 |
| Net charge-offs to loans | 0.0175% | 1,782 |
| Credit loss provision to net charge-offs | 993.8650% | 408 |
| Earnings coverage of net charge-offs (x) | 84.0994% | 1,020 |
| Efficiency ratio | 73.6441% | 1,393 |
| Assets per employee ($millions) | 9.5367% | 782 |
| Cash dividends to net income (ytd only)* | 38.3988% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2408% | 278 |
| Loan loss allowance to noncurrent loans | 2,986.7191% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,376 |
| Noncurrent loans to loans | 0.0750% | 3,220 |
| Net loans and leases to total assets | 55.5000% | 3,249 |
| Net loans and leases to deposits | 78.0874% | 2,238 |
| Net loans and leases to core deposits | 80.2593% | 2,577 |
| Total domestic deposits to total assets | 71.0800% | 4,289 |
| Equity capital to assets | 7.4402% | 3,391 |
| Core capital (leverage) ratio | 8.2863% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1291% | 2,224 |
| Memoranda: | ||
| Average total assets | $10,725,950,500 | 154 |
| Average earning assets | $10,258,610,750 | 147 |
| Average equity | $840,396,250 | 188 |
| Average total loans | $6,217,729,000 | 174 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,682 |
| Cost of funding earning assets | 1.0271% | 2,510 |
| Net interest margin | 2.9767% | 3,492 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.4290% | 2,409 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6786% | 3,391 |
| Return on assets (ROA) | 0.6786% | 3,392 |
| Pretax return on assets | 0.8665% | 3,247 |
| Return on Equity (ROE) | 8.5100% | 3,109 |
| Retained earnings to average equity (ytd only) | 5.4029% | 2,821 |
| Net charge-offs to loans | 0.0255% | 1,377 |
| Credit loss provision to net charge-offs | 599.4898% | 578 |
| Earnings coverage of net charge-offs (x) | 65.1390% | 1,153 |
| Efficiency ratio | 71.4400% | 1,624 |
| Assets per employee ($millions) | 8.9916% | 914 |
| Cash dividends to net income (ytd only)* | 36.4839% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2432% | 286 |
| Loan loss allowance to noncurrent loans | 2,548.0484% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,261 |
| Noncurrent loans to loans | 0.0880% | 3,064 |
| Net loans and leases to total assets | 57.7700% | 2,982 |
| Net loans and leases to deposits | 77.7248% | 2,159 |
| Net loans and leases to core deposits | 79.7576% | 2,485 |
| Total domestic deposits to total assets | 74.3300% | 4,171 |
| Equity capital to assets | 7.9191% | 3,270 |
| Core capital (leverage) ratio | 8.5980% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3258% | 2,164 |
| Memoranda: | ||
| Average total assets | $10,518,375,667 | 151 |
| Average earning assets | $10,056,946,000 | 144 |
| Average equity | $839,074,333 | 179 |
| Average total loans | $6,142,575,333 | 170 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,563 |
| Cost of funding earning assets | 0.6730% | 3,147 |
| Net interest margin | 3.2744% | 2,939 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.5103% | 2,222 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.8617% | 2,985 |
| Return on assets (ROA) | 0.8617% | 2,932 |
| Pretax return on assets | 1.1008% | 2,704 |
| Return on Equity (ROE) | 10.7600% | 2,555 |
| Retained earnings to average equity (ytd only) | 6.7573% | 2,564 |
| Net charge-offs to loans | 0.0341% | 1,039 |
| Credit loss provision to net charge-offs | 464.2166% | 573 |
| Earnings coverage of net charge-offs (x) | 60.3133% | 1,015 |
| Efficiency ratio | 67.7942% | 1,994 |
| Assets per employee ($millions) | 9.0486% | 914 |
| Cash dividends to net income (ytd only)* | 37.2137% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2785% | 293 |
| Loan loss allowance to noncurrent loans | 3,417.1625% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,399 |
| Noncurrent loans to loans | 0.0667% | 3,255 |
| Net loans and leases to total assets | 56.7400% | 2,982 |
| Net loans and leases to deposits | 71.3661% | 2,517 |
| Net loans and leases to core deposits | 72.3058% | 2,797 |
| Total domestic deposits to total assets | 79.5000% | 3,833 |
| Equity capital to assets | 7.9778% | 3,255 |
| Core capital (leverage) ratio | 8.6235% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4536% | 2,199 |
| Memoranda: | ||
| Average total assets | $10,459,049,000 | 154 |
| Average earning assets | $9,992,301,000 | 148 |
| Average equity | $837,433,500 | 185 |
| Average total loans | $6,070,870,500 | 176 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0526% | 3,788 |
| Cost of funding earning assets | 0.0724% | 4,470 |
| Net interest margin | 2.9802% | 3,272 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.3297% | 2,545 |
| Loan and lease loss provision to assets | -0.2800% | 4,703 |
| Net operating income to assets | 1.0971% | 2,116 |
| Return on assets (ROA) | 1.0971% | 2,079 |
| Pretax return on assets | 1.4024% | 1,711 |
| Return on Equity (ROE) | 14.7000% | 1,239 |
| Retained earnings to average equity (ytd only) | 11.2616% | 982 |
| Net charge-offs to loans | -0.0148% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5498% | 2,076 |
| Assets per employee ($millions) | 9.3523% | 787 |
| Cash dividends to net income (ytd only)* | 23.3926% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 503 |
| Loan loss allowance to noncurrent loans | 3,842.4114% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,636 |
| Noncurrent loans to loans | 0.0521% | 3,504 |
| Net loans and leases to total assets | 54.8400% | 3,022 |
| Net loans and leases to deposits | 61.5556% | 3,059 |
| Net loans and leases to core deposits | 61.7408% | 3,254 |
| Total domestic deposits to total assets | 89.0800% | 2,057 |
| Equity capital to assets | 7.7983% | 3,022 |
| Core capital (leverage) ratio | 8.0753% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3341% | 2,347 |
| Memoranda: | ||
| Average total assets | $10,828,893,750 | 153 |
| Average earning assets | $10,414,163,250 | 148 |
| Average equity | $808,165,750 | 190 |
| Average total loans | $5,643,949,250 | 176 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8388% | 3,919 |
| Cost of funding earning assets | 0.0631% | 4,505 |
| Net interest margin | 2.7757% | 3,513 |
| Noninterest income to average assets | 0.6012% | 1,732 |
| Noninterest expense to average assets | 2.3319% | 2,454 |
| Loan and lease loss provision to assets | -0.4395% | 4,745 |
| Net operating income to assets | 1.0799% | 1,857 |
| Return on assets (ROA) | 1.0799% | 1,835 |
| Pretax return on assets | 1.3807% | 1,493 |
| Return on Equity (ROE) | 14.6821% | 962 |
| Retained earnings to average equity (ytd only) | 11.7334% | 654 |
| Net charge-offs to loans | -0.0234% | 3,948 |
| Credit loss provision to net charge-offs | 3,692.3077% | 147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2430% | 1,802 |
| Assets per employee ($millions) | 8.8970% | 923 |
| Cash dividends to net income (ytd only)* | 20.0838% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 488 |
| Loan loss allowance to noncurrent loans | 3,248.0055% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,645 |
| Noncurrent loans to loans | 0.0635% | 3,481 |
| Net loans and leases to total assets | 52.4571% | 3,112 |
| Net loans and leases to deposits | 58.8338% | 3,144 |
| Net loans and leases to core deposits | 59.0412% | 3,345 |
| Total domestic deposits to total assets | 89.1616% | 2,106 |
| Equity capital to assets | 7.6915% | 3,351 |
| Core capital (leverage) ratio | 7.8878% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4817% | 2,297 |
| Memoranda: | ||
| Average total assets | $10,922,061,000 | 148 |
| Average earning assets | $10,513,818,333 | 146 |
| Average equity | $803,331,333 | 192 |
| Average total loans | $5,557,595,667 | 173 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6876% | 3,969 |
| Cost of funding earning assets | 0.0702% | 4,448 |
| Net interest margin | 2.6173% | 3,613 |
| Noninterest income to average assets | 0.5892% | 1,739 |
| Noninterest expense to average assets | 2.1362% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7670% | 2,789 |
| Return on assets (ROA) | 0.7670% | 2,778 |
| Pretax return on assets | 0.9773% | 2,512 |
| Return on Equity (ROE) | 10.6616% | 1,741 |
| Retained earnings to average equity (ytd only) | 7.0592% | 1,879 |
| Net charge-offs to loans | -0.0219% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6107% | 2,428 |
| Assets per employee ($millions) | 10.1404% | 656 |
| Cash dividends to net income (ytd only)* | 33.7885% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5846% | 265 |
| Loan loss allowance to noncurrent loans | 283.4121% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 1,357 |
| Noncurrent loans to loans | 0.9120% | 1,007 |
| Net loans and leases to total assets | 47.9591% | 3,390 |
| Net loans and leases to deposits | 53.4902% | 3,460 |
| Net loans and leases to core deposits | 53.6797% | 3,618 |
| Total domestic deposits to total assets | 89.6597% | 1,737 |
| Equity capital to assets | 7.1678% | 4,116 |
| Core capital (leverage) ratio | 7.4729% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4626% | 2,421 |
| Memoranda: | ||
| Average total assets | $11,076,022,000 | 150 |
| Average earning assets | $10,682,684,500 | 146 |
| Average equity | $796,803,000 | 195 |
| Average total loans | $5,493,831,500 | 174 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0838% | 3,715 |
| Cost of funding earning assets | 0.0957% | 4,413 |
| Net interest margin | 2.9881% | 3,226 |
| Noninterest income to average assets | 0.6556% | 1,924 |
| Noninterest expense to average assets | 2.2059% | 3,063 |
| Loan and lease loss provision to assets | 0.0868% | 1,418 |
| Net operating income to assets | 0.9754% | 2,771 |
| Return on assets (ROA) | 0.9754% | 2,837 |
| Pretax return on assets | 1.2480% | 2,525 |
| Return on Equity (ROE) | 12.9573% | 1,482 |
| Retained earnings to average equity (ytd only) | 8.4261% | 1,381 |
| Net charge-offs to loans | 0.0215% | 1,839 |
| Credit loss provision to net charge-offs | 745.0331% | 639 |
| Earnings coverage of net charge-offs (x) | 114.5298% | 815 |
| Efficiency ratio | 62.2995% | 2,821 |
| Assets per employee ($millions) | 10.2202% | 624 |
| Cash dividends to net income (ytd only)* | 34.9698% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5398% | 261 |
| Loan loss allowance to noncurrent loans | 273.1428% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 1,416 |
| Noncurrent loans to loans | 0.9298% | 1,089 |
| Net loans and leases to total assets | 48.7014% | 3,434 |
| Net loans and leases to deposits | 54.4344% | 3,563 |
| Net loans and leases to core deposits | 54.6425% | 3,716 |
| Total domestic deposits to total assets | 89.4680% | 1,256 |
| Equity capital to assets | 7.2201% | 4,673 |
| Core capital (leverage) ratio | 7.3420% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3166% | 2,522 |
| Memoranda: | ||
| Average total assets | $10,364,420,800 | 155 |
| Average earning assets | $10,007,487,200 | 152 |
| Average equity | $780,179,800 | 198 |
| Average total loans | $5,623,662,600 | 175 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0587% | 3,889 |
| Cost of funding earning assets | 0.0995% | 4,508 |
| Net interest margin | 2.9592% | 3,418 |
| Noninterest income to average assets | 0.6620% | 1,964 |
| Noninterest expense to average assets | 2.1977% | 3,074 |
| Loan and lease loss provision to assets | 0.1178% | 1,009 |
| Net operating income to assets | 0.9393% | 3,123 |
| Return on assets (ROA) | 0.9393% | 3,207 |
| Pretax return on assets | 1.2031% | 2,918 |
| Return on Equity (ROE) | 12.3413% | 1,921 |
| Retained earnings to average equity (ytd only) | 9.6574% | 1,429 |
| Net charge-offs to loans | 0.0589% | 1,053 |
| Credit loss provision to net charge-offs | 360.7214% | 917 |
| Earnings coverage of net charge-offs (x) | 40.4441% | 1,364 |
| Efficiency ratio | 62.4607% | 2,620 |
| Assets per employee ($millions) | 9.6732% | 717 |
| Cash dividends to net income (ytd only)* | 21.7478% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 272 |
| Loan loss allowance to noncurrent loans | 267.0424% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 1,548 |
| Noncurrent loans to loans | 0.9515% | 1,209 |
| Net loans and leases to total assets | 50.5401% | 3,345 |
| Net loans and leases to deposits | 56.7888% | 3,504 |
| Net loans and leases to core deposits | 56.9924% | 3,700 |
| Total domestic deposits to total assets | 88.9966% | 1,276 |
| Equity capital to assets | 7.5338% | 4,694 |
| Core capital (leverage) ratio | 7.5663% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6333% | 2,491 |
| Memoranda: | ||
| Average total assets | $10,185,853,500 | 157 |
| Average earning assets | $9,832,518,750 | 152 |
| Average equity | $775,251,250 | 197 |
| Average total loans | $5,645,559,500 | 178 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 3,946 |
| Cost of funding earning assets | 0.1118% | 4,494 |
| Net interest margin | 2.9434% | 3,464 |
| Noninterest income to average assets | 0.6735% | 1,917 |
| Noninterest expense to average assets | 2.2147% | 3,036 |
| Loan and lease loss provision to assets | 0.1790% | 643 |
| Net operating income to assets | 0.8796% | 3,274 |
| Return on assets (ROA) | 0.8796% | 3,354 |
| Pretax return on assets | 1.1272% | 3,121 |
| Return on Equity (ROE) | 11.5161% | 2,228 |
| Retained earnings to average equity (ytd only) | 8.8073% | 1,775 |
| Net charge-offs to loans | 0.0947% | 765 |
| Credit loss provision to net charge-offs | 333.5804% | 840 |
| Earnings coverage of net charge-offs (x) | 24.3447% | 1,436 |
| Efficiency ratio | 62.9014% | 2,593 |
| Assets per employee ($millions) | 9.4136% | 736 |
| Cash dividends to net income (ytd only)* | 23.5220% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4510% | 292 |
| Loan loss allowance to noncurrent loans | 256.6140% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5278% | 1,573 |
| Noncurrent loans to loans | 0.9551% | 1,297 |
| Net loans and leases to total assets | 53.9103% | 3,139 |
| Net loans and leases to deposits | 60.5876% | 3,339 |
| Net loans and leases to core deposits | 60.8406% | 3,555 |
| Total domestic deposits to total assets | 88.9791% | 1,291 |
| Equity capital to assets | 7.5654% | 4,715 |
| Core capital (leverage) ratio | 7.5719% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7298% | 2,463 |
| Memoranda: | ||
| Average total assets | $10,056,867,667 | 159 |
| Average earning assets | $9,729,154,000 | 152 |
| Average equity | $768,158,333 | 198 |
| Average total loans | $5,699,805,000 | 178 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0262% | 4,027 |
| Cost of funding earning assets | 0.1218% | 4,514 |
| Net interest margin | 2.9044% | 3,506 |
| Noninterest income to average assets | 0.6957% | 1,882 |
| Noninterest expense to average assets | 2.1813% | 3,165 |
| Loan and lease loss provision to assets | 0.2412% | 447 |
| Net operating income to assets | 0.8452% | 3,287 |
| Return on assets (ROA) | 0.8452% | 3,366 |
| Pretax return on assets | 1.0836% | 3,153 |
| Return on Equity (ROE) | 11.0120% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.2876% | 2,157 |
| Net charge-offs to loans | -0.0244% | 4,093 |
| Credit loss provision to net charge-offs | -1,719.1977% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2148% | 2,723 |
| Assets per employee ($millions) | 9.3581% | 738 |
| Cash dividends to net income (ytd only)* | 24.7408% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 313 |
| Loan loss allowance to noncurrent loans | 405.6906% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 2,440 |
| Noncurrent loans to loans | 0.5882% | 2,101 |
| Net loans and leases to total assets | 56.3803% | 2,990 |
| Net loans and leases to deposits | 63.1085% | 3,210 |
| Net loans and leases to core deposits | 63.3849% | 3,467 |
| Total domestic deposits to total assets | 89.3387% | 1,153 |
| Equity capital to assets | 7.4132% | 4,741 |
| Core capital (leverage) ratio | 7.7097% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8115% | 2,366 |
| Memoranda: | ||
| Average total assets | $9,950,206,500 | 158 |
| Average earning assets | $9,627,852,500 | 153 |
| Average equity | $763,747,500 | 198 |
| Average total loans | $5,711,805,500 | 180 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 3,997 |
| Cost of funding earning assets | 0.1861% | 4,627 |
| Net interest margin | 3.3311% | 2,979 |
| Noninterest income to average assets | 0.7509% | 1,687 |
| Noninterest expense to average assets | 2.4470% | 3,003 |
| Loan and lease loss provision to assets | 0.3897% | 823 |
| Net operating income to assets | 0.8795% | 2,785 |
| Return on assets (ROA) | 0.9158% | 2,763 |
| Pretax return on assets | 1.1747% | 2,418 |
| Return on Equity (ROE) | 10.4372% | 1,834 |
| Retained earnings to average equity (ytd only) | 6.5198% | 1,585 |
| Net charge-offs to loans | -0.0645% | 4,724 |
| Credit loss provision to net charge-offs | -971.7314% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7088% | 3,188 |
| Assets per employee ($millions) | 9.2569% | 679 |
| Cash dividends to net income (ytd only)* | 37.5330% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3752% | 310 |
| Loan loss allowance to noncurrent loans | 1,161.9510% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 3,709 |
| Noncurrent loans to loans | 0.2044% | 3,479 |
| Net loans and leases to total assets | 55.6839% | 3,331 |
| Net loans and leases to deposits | 62.6352% | 3,559 |
| Net loans and leases to core deposits | 62.9890% | 3,767 |
| Total domestic deposits to total assets | 88.9019% | 1,026 |
| Equity capital to assets | 7.9461% | 4,729 |
| Core capital (leverage) ratio | 7.7821% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0964% | 2,202 |
| Memoranda: | ||
| Average total assets | $8,468,672,000 | 168 |
| Average earning assets | $8,172,446,400 | 161 |
| Average equity | $743,041,000 | 194 |
| Average total loans | $5,268,035,400 | 183 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,033 |
| Cost of funding earning assets | 0.2058% | 4,649 |
| Net interest margin | 3.3847% | 2,965 |
| Noninterest income to average assets | 0.7323% | 1,697 |
| Noninterest expense to average assets | 2.4558% | 2,976 |
| Loan and lease loss provision to assets | 0.3852% | 945 |
| Net operating income to assets | 0.8982% | 2,716 |
| Return on assets (ROA) | 0.9553% | 2,632 |
| Pretax return on assets | 1.2257% | 2,301 |
| Return on Equity (ROE) | 10.5867% | 1,818 |
| Retained earnings to average equity (ytd only) | 6.3330% | 1,955 |
| Net charge-offs to loans | -0.0299% | 4,532 |
| Credit loss provision to net charge-offs | -2,022.3752% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4812% | 3,149 |
| Assets per employee ($millions) | 8.7766% | 752 |
| Cash dividends to net income (ytd only)* | 40.1795% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 447 |
| Loan loss allowance to noncurrent loans | 852.8351% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 3,647 |
| Noncurrent loans to loans | 0.2418% | 3,436 |
| Net loans and leases to total assets | 62.2768% | 2,974 |
| Net loans and leases to deposits | 70.4048% | 3,277 |
| Net loans and leases to core deposits | 70.8118% | 3,570 |
| Total domestic deposits to total assets | 88.4553% | 988 |
| Equity capital to assets | 8.3755% | 4,535 |
| Core capital (leverage) ratio | 8.0927% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0458% | 2,179 |
| Memoranda: | ||
| Average total assets | $8,135,075,750 | 169 |
| Average earning assets | $7,840,718,750 | 165 |
| Average equity | $734,061,250 | 195 |
| Average total loans | $5,187,161,250 | 183 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,062 |
| Cost of funding earning assets | 0.2331% | 4,674 |
| Net interest margin | 3.4781% | 2,863 |
| Noninterest income to average assets | 0.6918% | 1,770 |
| Noninterest expense to average assets | 2.5320% | 2,876 |
| Loan and lease loss provision to assets | 0.3733% | 1,121 |
| Net operating income to assets | 0.8834% | 2,760 |
| Return on assets (ROA) | 0.9811% | 2,526 |
| Pretax return on assets | 1.2580% | 2,158 |
| Return on Equity (ROE) | 10.5723% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.0146% | 2,077 |
| Net charge-offs to loans | -0.0323% | 4,568 |
| Credit loss provision to net charge-offs | -1,810.2372% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6803% | 3,012 |
| Assets per employee ($millions) | 8.4670% | 817 |
| Cash dividends to net income (ytd only)* | 43.1098% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 474 |
| Loan loss allowance to noncurrent loans | 720.1444% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 3,653 |
| Noncurrent loans to loans | 0.2709% | 3,414 |
| Net loans and leases to total assets | 63.7007% | 2,922 |
| Net loans and leases to deposits | 74.4571% | 3,032 |
| Net loans and leases to core deposits | 74.9017% | 3,378 |
| Total domestic deposits to total assets | 85.5535% | 2,178 |
| Equity capital to assets | 8.5707% | 4,433 |
| Core capital (leverage) ratio | 8.4157% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1528% | 2,116 |
| Memoranda: | ||
| Average total assets | $7,769,112,667 | 172 |
| Average earning assets | $7,477,838,333 | 167 |
| Average equity | $720,980,667 | 199 |
| Average total loans | $4,959,190,667 | 182 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,963 |
| Cost of funding earning assets | 0.2755% | 4,718 |
| Net interest margin | 3.6620% | 2,462 |
| Noninterest income to average assets | 0.7418% | 1,490 |
| Noninterest expense to average assets | 2.6702% | 2,783 |
| Loan and lease loss provision to assets | 0.3864% | 791 |
| Net operating income to assets | 0.9371% | 2,388 |
| Return on assets (ROA) | 1.0272% | 2,183 |
| Pretax return on assets | 1.3148% | 1,829 |
| Return on Equity (ROE) | 10.5775% | 1,542 |
| Retained earnings to average equity (ytd only) | 5.4957% | 2,069 |
| Net charge-offs to loans | -0.0464% | 4,613 |
| Credit loss provision to net charge-offs | -1,318.2674% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7196% | 3,412 |
| Assets per employee ($millions) | 7.2186% | 995 |
| Cash dividends to net income (ytd only)* | 48.0441% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 346 |
| Loan loss allowance to noncurrent loans | 736.6310% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,728 |
| Noncurrent loans to loans | 0.3062% | 3,407 |
| Net loans and leases to total assets | 61.3605% | 3,365 |
| Net loans and leases to deposits | 73.5672% | 3,317 |
| Net loans and leases to core deposits | 74.0579% | 3,627 |
| Total domestic deposits to total assets | 83.4074% | 2,976 |
| Equity capital to assets | 9.9786% | 3,808 |
| Core capital (leverage) ratio | 9.7537% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9148% | 2,327 |
| Memoranda: | ||
| Average total assets | $7,246,609,500 | 180 |
| Average earning assets | $6,956,835,000 | 172 |
| Average equity | $703,756,000 | 202 |
| Average total loans | $4,575,600,000 | 189 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 3,586 |
| Cost of funding earning assets | 0.3012% | 4,724 |
| Net interest margin | 3.9810% | 1,908 |
| Noninterest income to average assets | 0.7509% | 1,627 |
| Noninterest expense to average assets | 2.8702% | 2,376 |
| Loan and lease loss provision to assets | 0.0479% | 3,070 |
| Net operating income to assets | 1.2853% | 1,747 |
| Return on assets (ROA) | 1.2634% | 1,908 |
| Pretax return on assets | 1.6192% | 1,430 |
| Return on Equity (ROE) | 13.2774% | 1,086 |
| Retained earnings to average equity (ytd only) | 8.9551% | 722 |
| Net charge-offs to loans | -0.0570% | 4,845 |
| Credit loss provision to net charge-offs | -129.7648% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8746% | 3,235 |
| Assets per employee ($millions) | 7.0811% | 1,009 |
| Cash dividends to net income (ytd only)* | 32.5537% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 384 |
| Loan loss allowance to noncurrent loans | 671.0865% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,662 |
| Noncurrent loans to loans | 0.3163% | 3,302 |
| Net loans and leases to total assets | 62.1677% | 3,383 |
| Net loans and leases to deposits | 71.3147% | 3,563 |
| Net loans and leases to core deposits | 71.8119% | 3,864 |
| Total domestic deposits to total assets | 87.1737% | 1,530 |
| Equity capital to assets | 9.4374% | 4,395 |
| Core capital (leverage) ratio | 10.0492% | 3,459 |
| Tier 1 risk-based capital ratio | 12.6632% | 3,968 |
| Total risk-based capital ratio | 13.9198% | 3,843 |
| Memoranda: | ||
| Average total assets | $6,686,704,200 | 182 |
| Average earning assets | $6,406,202,400 | 174 |
| Average equity | $636,261,400 | 213 |
| Average total loans | $4,324,854,800 | 194 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 3,528 |
| Cost of funding earning assets | 0.3123% | 4,768 |
| Net interest margin | 4.0319% | 1,829 |
| Noninterest income to average assets | 0.6760% | 1,886 |
| Noninterest expense to average assets | 2.8340% | 2,457 |
| Loan and lease loss provision to assets | 0.0406% | 3,095 |
| Net operating income to assets | 1.2972% | 1,872 |
| Return on assets (ROA) | 1.2676% | 2,036 |
| Pretax return on assets | 1.6248% | 1,546 |
| Return on Equity (ROE) | 13.2924% | 1,180 |
| Retained earnings to average equity (ytd only) | 9.3456% | 943 |
| Net charge-offs to loans | -0.1282% | 5,041 |
| Credit loss provision to net charge-offs | -48.6973% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4665% | 3,251 |
| Assets per employee ($millions) | 6.7614% | 1,127 |
| Cash dividends to net income (ytd only)* | 29.6920% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 372 |
| Loan loss allowance to noncurrent loans | 578.9360% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,583 |
| Noncurrent loans to loans | 0.3686% | 3,236 |
| Net loans and leases to total assets | 65.3085% | 3,141 |
| Net loans and leases to deposits | 79.2705% | 2,977 |
| Net loans and leases to core deposits | 80.0084% | 3,389 |
| Total domestic deposits to total assets | 82.3869% | 3,361 |
| Equity capital to assets | 9.8339% | 4,177 |
| Core capital (leverage) ratio | 10.1445% | 3,483 |
| Tier 1 risk-based capital ratio | 12.3803% | 4,204 |
| Total risk-based capital ratio | 13.6370% | 4,086 |
| Memoranda: | ||
| Average total assets | $6,570,399,750 | 184 |
| Average earning assets | $6,291,518,000 | 176 |
| Average equity | $626,588,500 | 218 |
| Average total loans | $4,270,419,250 | 196 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 3,750 |
| Cost of funding earning assets | 0.2937% | 4,840 |
| Net interest margin | 3.9697% | 2,017 |
| Noninterest income to average assets | 0.6871% | 1,770 |
| Noninterest expense to average assets | 2.8273% | 2,493 |
| Loan and lease loss provision to assets | 0.0370% | 3,073 |
| Net operating income to assets | 1.2750% | 1,865 |
| Return on assets (ROA) | 1.2265% | 2,108 |
| Pretax return on assets | 1.5714% | 1,633 |
| Return on Equity (ROE) | 13.0031% | 1,240 |
| Retained earnings to average equity (ytd only) | 9.8755% | 794 |
| Net charge-offs to loans | -0.1148% | 5,029 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8705% | 3,306 |
| Assets per employee ($millions) | 6.5724% | 1,204 |
| Cash dividends to net income (ytd only)* | 24.0526% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1470% | 360 |
| Loan loss allowance to noncurrent loans | 502.3641% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,405 |
| Noncurrent loans to loans | 0.4274% | 2,999 |
| Net loans and leases to total assets | 65.6245% | 3,155 |
| Net loans and leases to deposits | 77.7859% | 3,165 |
| Net loans and leases to core deposits | 78.9524% | 3,506 |
| Total domestic deposits to total assets | 84.3655% | 2,734 |
| Equity capital to assets | 9.8109% | 4,128 |
| Core capital (leverage) ratio | 10.4104% | 3,184 |
| Tier 1 risk-based capital ratio | 12.5387% | 4,103 |
| Total risk-based capital ratio | 13.7956% | 3,995 |
| Memoranda: | ||
| Average total assets | $6,493,216,670 | 184 |
| Average earning assets | $6,231,840,330 | 177 |
| Average equity | $612,486,000 | 222 |
| Average total loans | $4,180,856,670 | 199 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 3,774 |
| Cost of funding earning assets | 0.2813% | 4,894 |
| Net interest margin | 3.9509% | 2,018 |
| Noninterest income to average assets | 0.6708% | 1,724 |
| Noninterest expense to average assets | 2.8094% | 2,537 |
| Loan and lease loss provision to assets | 0.0495% | 2,667 |
| Net operating income to assets | 1.2600% | 1,844 |
| Return on assets (ROA) | 1.2596% | 1,895 |
| Pretax return on assets | 1.6124% | 1,437 |
| Return on Equity (ROE) | 13.6302% | 1,045 |
| Retained earnings to average equity (ytd only) | 10.5490% | 919 |
| Net charge-offs to loans | -0.1400% | 5,108 |
| Credit loss provision to net charge-offs | -56.1010% | 3,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8245% | 3,404 |
| Assets per employee ($millions) | 6.4616% | 1,257 |
| Cash dividends to net income (ytd only)* | 22.6060% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 322 |
| Loan loss allowance to noncurrent loans | 720.5130% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 3,805 |
| Noncurrent loans to loans | 0.3147% | 3,440 |
| Net loans and leases to total assets | 62.7766% | 3,425 |
| Net loans and leases to deposits | 73.3941% | 3,499 |
| Net loans and leases to core deposits | 74.5939% | 3,762 |
| Total domestic deposits to total assets | 85.5335% | 2,470 |
| Equity capital to assets | 9.5567% | 4,201 |
| Core capital (leverage) ratio | 10.0111% | 3,592 |
| Tier 1 risk-based capital ratio | 13.0742% | 3,838 |
| Total risk-based capital ratio | 14.3322% | 3,747 |
| Memoranda: | ||
| Average total assets | $6,463,495,000 | 187 |
| Average earning assets | $6,218,446,500 | 180 |
| Average equity | $597,290,000 | 226 |
| Average total loans | $4,074,035,000 | 203 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,858 |
| Cost of funding earning assets | 0.1907% | 5,040 |
| Net interest margin | 3.8734% | 2,415 |
| Noninterest income to average assets | 0.7807% | 1,523 |
| Noninterest expense to average assets | 2.8222% | 2,614 |
| Loan and lease loss provision to assets | 0.0426% | 3,334 |
| Net operating income to assets | 1.3097% | 1,756 |
| Return on assets (ROA) | 1.3097% | 1,738 |
| Pretax return on assets | 1.6468% | 1,319 |
| Return on Equity (ROE) | 15.2837% | 770 |
| Retained earnings to average equity (ytd only) | 12.7192% | 257 |
| Net charge-offs to loans | -0.0315% | 4,827 |
| Credit loss provision to net charge-offs | -213.4387% | 4,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5540% | 3,422 |
| Assets per employee ($millions) | 6.6291% | 1,154 |
| Cash dividends to net income (ytd only)* | 16.7794% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2422% | 309 |
| Loan loss allowance to noncurrent loans | 755.2975% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 3,890 |
| Noncurrent loans to loans | 0.2969% | 3,500 |
| Net loans and leases to total assets | 60.4722% | 3,717 |
| Net loans and leases to deposits | 70.0648% | 3,819 |
| Net loans and leases to core deposits | 71.1820% | 4,049 |
| Total domestic deposits to total assets | 86.3089% | 2,083 |
| Equity capital to assets | 8.9329% | 4,629 |
| Core capital (leverage) ratio | 9.5468% | 4,062 |
| Tier 1 risk-based capital ratio | 13.0084% | 3,840 |
| Total risk-based capital ratio | 14.2663% | 3,723 |
| Memoranda: | ||
| Average total assets | $6,332,013,400 | 188 |
| Average earning assets | $6,099,045,000 | 179 |
| Average equity | $542,597,800 | 232 |
| Average total loans | $4,010,537,200 | 204 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 3,974 |
| Cost of funding earning assets | 0.1670% | 5,160 |
| Net interest margin | 3.8159% | 2,586 |
| Noninterest income to average assets | 0.7674% | 1,590 |
| Noninterest expense to average assets | 2.7884% | 2,676 |
| Loan and lease loss provision to assets | 0.0488% | 3,017 |
| Net operating income to assets | 1.2556% | 2,020 |
| Return on assets (ROA) | 1.2556% | 2,031 |
| Pretax return on assets | 1.6066% | 1,558 |
| Return on Equity (ROE) | 14.8161% | 916 |
| Retained earnings to average equity (ytd only) | 12.1912% | 455 |
| Net charge-offs to loans | -0.0647% | 5,023 |
| Credit loss provision to net charge-offs | -118.4346% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7467% | 3,384 |
| Assets per employee ($millions) | 6.4957% | 1,189 |
| Cash dividends to net income (ytd only)* | 17.7163% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2448% | 326 |
| Loan loss allowance to noncurrent loans | 962.2199% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,206 |
| Noncurrent loans to loans | 0.2333% | 3,871 |
| Net loans and leases to total assets | 61.9532% | 3,662 |
| Net loans and leases to deposits | 71.3442% | 3,820 |
| Net loans and leases to core deposits | 72.5428% | 4,039 |
| Total domestic deposits to total assets | 86.8371% | 1,804 |
| Equity capital to assets | 8.6075% | 4,863 |
| Core capital (leverage) ratio | 9.4617% | 4,221 |
| Tier 1 risk-based capital ratio | 12.6827% | 4,086 |
| Total risk-based capital ratio | 13.9409% | 3,982 |
| Memoranda: | ||
| Average total assets | $6,279,285,750 | 190 |
| Average earning assets | $6,049,786,000 | 180 |
| Average equity | $532,128,500 | 232 |
| Average total loans | $4,001,322,000 | 203 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 4,107 |
| Cost of funding earning assets | 0.1355% | 5,299 |
| Net interest margin | 3.7520% | 2,743 |
| Noninterest income to average assets | 0.7854% | 1,515 |
| Noninterest expense to average assets | 2.7441% | 2,863 |
| Loan and lease loss provision to assets | 0.0545% | 2,817 |
| Net operating income to assets | 1.2432% | 2,012 |
| Return on assets (ROA) | 1.2432% | 2,009 |
| Pretax return on assets | 1.6037% | 1,491 |
| Return on Equity (ROE) | 14.7499% | 904 |
| Retained earnings to average equity (ytd only) | 12.0735% | 505 |
| Net charge-offs to loans | -0.0378% | 4,820 |
| Credit loss provision to net charge-offs | -226.0638% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3334% | 3,584 |
| Assets per employee ($millions) | 6.3952% | 1,219 |
| Cash dividends to net income (ytd only)* | 18.1453% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1877% | 378 |
| Loan loss allowance to noncurrent loans | 901.8292% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,193 |
| Noncurrent loans to loans | 0.2426% | 3,832 |
| Net loans and leases to total assets | 64.1841% | 3,379 |
| Net loans and leases to deposits | 74.0740% | 3,522 |
| Net loans and leases to core deposits | 75.1574% | 3,803 |
| Total domestic deposits to total assets | 86.6486% | 1,996 |
| Equity capital to assets | 8.6446% | 4,847 |
| Core capital (leverage) ratio | 9.4784% | 4,137 |
| Tier 1 risk-based capital ratio | 12.4643% | 4,206 |
| Total risk-based capital ratio | 13.7223% | 4,098 |
| Memoranda: | ||
| Average total assets | $6,239,638,000 | 188 |
| Average earning assets | $6,014,890,000 | 178 |
| Average equity | $525,929,330 | 231 |
| Average total loans | $3,983,451,000 | 202 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,315 |
| Cost of funding earning assets | 0.1241% | 5,376 |
| Net interest margin | 3.6407% | 3,025 |
| Noninterest income to average assets | 0.7554% | 1,602 |
| Noninterest expense to average assets | 2.6989% | 3,046 |
| Loan and lease loss provision to assets | 0.0256% | 3,183 |
| Net operating income to assets | 1.1924% | 2,040 |
| Return on assets (ROA) | 1.1924% | 2,055 |
| Pretax return on assets | 1.5383% | 1,571 |
| Return on Equity (ROE) | 14.3287% | 943 |
| Retained earnings to average equity (ytd only) | 11.5606% | 776 |
| Net charge-offs to loans | -0.0373% | 4,840 |
| Credit loss provision to net charge-offs | -108.9918% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3134% | 3,589 |
| Assets per employee ($millions) | 6.4896% | 1,205 |
| Cash dividends to net income (ytd only)* | 19.3185% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 375 |
| Loan loss allowance to noncurrent loans | 724.3402% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 4,092 |
| Noncurrent loans to loans | 0.3068% | 3,671 |
| Net loans and leases to total assets | 61.4409% | 3,612 |
| Net loans and leases to deposits | 70.2542% | 3,769 |
| Net loans and leases to core deposits | 71.5718% | 3,999 |
| Total domestic deposits to total assets | 87.4552% | 1,926 |
| Equity capital to assets | 8.3472% | 5,080 |
| Core capital (leverage) ratio | 9.3137% | 4,304 |
| Tier 1 risk-based capital ratio | 12.3711% | 4,329 |
| Total risk-based capital ratio | 13.6291% | 4,213 |
| Memoranda: | ||
| Average total assets | $6,251,369,500 | 189 |
| Average earning assets | $6,022,392,000 | 179 |
| Average equity | $520,213,500 | 232 |
| Average total loans | $3,935,659,000 | 203 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 4,135 |
| Cost of funding earning assets | 0.0765% | 5,557 |
| Net interest margin | 3.6973% | 2,809 |
| Noninterest income to average assets | 0.8425% | 1,430 |
| Noninterest expense to average assets | 2.8595% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7077% | 3,570 |
| Return on assets (ROA) | 0.7077% | 3,624 |
| Pretax return on assets | 1.5245% | 1,547 |
| Return on Equity (ROE) | 8.1064% | 2,750 |
| Retained earnings to average equity (ytd only) | 5.9171% | 1,586 |
| Net charge-offs to loans | -0.0978% | 5,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2260% | 3,402 |
| Assets per employee ($millions) | 6.5275% | 1,196 |
| Cash dividends to net income (ytd only)* | 27.0071% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 319 |
| Loan loss allowance to noncurrent loans | 866.8860% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,275 |
| Noncurrent loans to loans | 0.2626% | 3,845 |
| Net loans and leases to total assets | 61.6845% | 3,659 |
| Net loans and leases to deposits | 70.5567% | 3,827 |
| Net loans and leases to core deposits | 71.8090% | 4,062 |
| Total domestic deposits to total assets | 87.4254% | 1,804 |
| Equity capital to assets | 8.2959% | 5,262 |
| Core capital (leverage) ratio | 9.1025% | 4,521 |
| Tier 1 risk-based capital ratio | 12.1504% | 4,428 |
| Total risk-based capital ratio | 13.4091% | 4,322 |
| Memoranda: | ||
| Average total assets | $5,838,111,400 | 190 |
| Average earning assets | $5,592,081,000 | 182 |
| Average equity | $509,657,400 | 226 |
| Average total loans | $3,880,509,800 | 194 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,112 |
| Cost of funding earning assets | 0.0745% | 5,628 |
| Net interest margin | 3.6939% | 2,779 |
| Noninterest income to average assets | 0.8078% | 1,556 |
| Noninterest expense to average assets | 2.7346% | 2,944 |
| Loan and lease loss provision to assets | 0.0093% | 3,946 |
| Net operating income to assets | 1.0441% | 2,358 |
| Return on assets (ROA) | 1.0441% | 2,394 |
| Pretax return on assets | 1.6008% | 1,418 |
| Return on Equity (ROE) | 11.8010% | 1,396 |
| Retained earnings to average equity (ytd only) | 9.7222% | 644 |
| Net charge-offs to loans | -0.1166% | 5,419 |
| Credit loss provision to net charge-offs | -11.8273% | 4,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9413% | 3,721 |
| Assets per employee ($millions) | 6.2645% | 1,330 |
| Cash dividends to net income (ytd only)* | 17.6153% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 367 |
| Loan loss allowance to noncurrent loans | 748.2790% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 4,274 |
| Noncurrent loans to loans | 0.3025% | 3,855 |
| Net loans and leases to total assets | 63.8419% | 3,431 |
| Net loans and leases to deposits | 73.7996% | 3,595 |
| Net loans and leases to core deposits | 75.0803% | 3,882 |
| Total domestic deposits to total assets | 86.5071% | 2,101 |
| Equity capital to assets | 8.7318% | 5,130 |
| Core capital (leverage) ratio | 9.5991% | 4,035 |
| Tier 1 risk-based capital ratio | 12.0294% | 4,590 |
| Total risk-based capital ratio | 13.2879% | 4,480 |
| Memoranda: | ||
| Average total assets | $5,739,187,500 | 192 |
| Average earning assets | $5,495,027,250 | 184 |
| Average equity | $507,784,750 | 227 |
| Average total loans | $3,866,918,250 | 195 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 4,107 |
| Cost of funding earning assets | 0.0739% | 5,670 |
| Net interest margin | 3.6647% | 2,773 |
| Noninterest income to average assets | 0.8169% | 1,510 |
| Noninterest expense to average assets | 2.7962% | 2,776 |
| Loan and lease loss provision to assets | 0.0142% | 3,667 |
| Net operating income to assets | 0.9918% | 2,462 |
| Return on assets (ROA) | 0.9918% | 2,516 |
| Pretax return on assets | 1.5134% | 1,592 |
| Return on Equity (ROE) | 11.1578% | 1,581 |
| Retained earnings to average equity (ytd only) | 9.0496% | 826 |
| Net charge-offs to loans | -0.0935% | 5,391 |
| Credit loss provision to net charge-offs | -22.2965% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6697% | 3,560 |
| Assets per employee ($millions) | 5.9588% | 1,497 |
| Cash dividends to net income (ytd only)* | 18.8939% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 420 |
| Loan loss allowance to noncurrent loans | 795.7760% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 4,359 |
| Noncurrent loans to loans | 0.2792% | 4,042 |
| Net loans and leases to total assets | 68.6993% | 2,708 |
| Net loans and leases to deposits | 79.5685% | 2,956 |
| Net loans and leases to core deposits | 81.0868% | 3,341 |
| Total domestic deposits to total assets | 86.3398% | 2,223 |
| Equity capital to assets | 9.1461% | 4,761 |
| Core capital (leverage) ratio | 9.8202% | 3,753 |
| Tier 1 risk-based capital ratio | 11.8213% | 4,746 |
| Total risk-based capital ratio | 13.0796% | 4,631 |
| Memoranda: | ||
| Average total assets | $5,632,987,670 | 194 |
| Average earning assets | $5,390,617,000 | 186 |
| Average equity | $500,727,670 | 229 |
| Average total loans | $3,836,899,670 | 199 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,185 |
| Cost of funding earning assets | 0.0740% | 5,732 |
| Net interest margin | 3.6006% | 2,887 |
| Noninterest income to average assets | 0.8130% | 1,507 |
| Noninterest expense to average assets | 2.8264% | 2,702 |
| Loan and lease loss provision to assets | 0.0284% | 3,199 |
| Net operating income to assets | 0.9306% | 2,614 |
| Return on assets (ROA) | 0.9306% | 2,666 |
| Pretax return on assets | 1.4039% | 1,882 |
| Return on Equity (ROE) | 10.6230% | 1,693 |
| Retained earnings to average equity (ytd only) | 8.4831% | 1,283 |
| Net charge-offs to loans | -0.1446% | 5,554 |
| Credit loss provision to net charge-offs | -29.3040% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3670% | 3,432 |
| Assets per employee ($millions) | 6.0511% | 1,469 |
| Cash dividends to net income (ytd only)* | 20.1435% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3254% | 401 |
| Loan loss allowance to noncurrent loans | 676.7566% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 4,279 |
| Noncurrent loans to loans | 0.3436% | 3,873 |
| Net loans and leases to total assets | 65.7015% | 3,017 |
| Net loans and leases to deposits | 76.2090% | 3,173 |
| Net loans and leases to core deposits | 77.6208% | 3,505 |
| Total domestic deposits to total assets | 86.2122% | 2,575 |
| Equity capital to assets | 8.9198% | 4,888 |
| Core capital (leverage) ratio | 9.5598% | 4,044 |
| Tier 1 risk-based capital ratio | 12.0246% | 4,699 |
| Total risk-based capital ratio | 13.2838% | 4,586 |
| Memoranda: | ||
| Average total assets | $5,630,975,500 | 194 |
| Average earning assets | $5,388,890,000 | 186 |
| Average equity | $493,309,000 | 233 |
| Average total loans | $3,775,066,000 | 199 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,383 |
| Cost of funding earning assets | 0.0774% | 5,783 |
| Net interest margin | 3.5681% | 3,195 |
| Noninterest income to average assets | 0.8939% | 1,431 |
| Noninterest expense to average assets | 2.7788% | 3,097 |
| Loan and lease loss provision to assets | 0.0423% | 3,537 |
| Net operating income to assets | 0.9686% | 2,494 |
| Return on assets (ROA) | 0.9808% | 2,539 |
| Pretax return on assets | 1.5058% | 1,566 |
| Return on Equity (ROE) | 10.8616% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.4377% | 723 |
| Net charge-offs to loans | 0.0391% | 3,243 |
| Credit loss provision to net charge-offs | 157.1229% | 1,752 |
| Earnings coverage of net charge-offs (x) | 56.7884% | 933 |
| Efficiency ratio | 64.5014% | 3,852 |
| Assets per employee ($millions) | 6.1506% | 1,370 |
| Cash dividends to net income (ytd only)* | 22.3162% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 425 |
| Loan loss allowance to noncurrent loans | 597.5690% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 4,213 |
| Noncurrent loans to loans | 0.3793% | 3,771 |
| Net loans and leases to total assets | 65.3047% | 3,176 |
| Net loans and leases to deposits | 75.0677% | 3,403 |
| Net loans and leases to core deposits | 76.4141% | 3,714 |
| Total domestic deposits to total assets | 86.9944% | 2,148 |
| Equity capital to assets | 8.6033% | 5,190 |
| Core capital (leverage) ratio | 9.4342% | 4,180 |
| Tier 1 risk-based capital ratio | 11.7131% | 4,915 |
| Total risk-based capital ratio | 12.9716% | 4,815 |
| Memoranda: | ||
| Average total assets | $5,317,507,800 | 194 |
| Average earning assets | $5,088,120,000 | 185 |
| Average equity | $480,179,400 | 227 |
| Average total loans | $3,663,293,000 | 192 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 4,366 |
| Cost of funding earning assets | 0.0782% | 5,851 |
| Net interest margin | 3.5839% | 3,143 |
| Noninterest income to average assets | 0.8979% | 1,411 |
| Noninterest expense to average assets | 2.7523% | 3,172 |
| Loan and lease loss provision to assets | 0.0446% | 3,348 |
| Net operating income to assets | 0.9994% | 2,434 |
| Return on assets (ROA) | 1.0154% | 2,495 |
| Pretax return on assets | 1.5569% | 1,514 |
| Return on Equity (ROE) | 11.1029% | 1,635 |
| Retained earnings to average equity (ytd only) | 8.5287% | 972 |
| Net charge-offs to loans | 0.0116% | 3,532 |
| Credit loss provision to net charge-offs | 553.7975% | 653 |
| Earnings coverage of net charge-offs (x) | 195.7640% | 376 |
| Efficiency ratio | 63.5765% | 3,988 |
| Assets per employee ($millions) | 5.7853% | 1,589 |
| Cash dividends to net income (ytd only)* | 23.1845% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 430 |
| Loan loss allowance to noncurrent loans | 562.0804% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 4,174 |
| Noncurrent loans to loans | 0.4112% | 3,802 |
| Net loans and leases to total assets | 68.0279% | 2,798 |
| Net loans and leases to deposits | 78.6482% | 3,116 |
| Net loans and leases to core deposits | 80.0327% | 3,441 |
| Total domestic deposits to total assets | 86.4965% | 2,128 |
| Equity capital to assets | 9.2058% | 4,964 |
| Core capital (leverage) ratio | 9.7433% | 3,882 |
| Tier 1 risk-based capital ratio | 11.8801% | 4,862 |
| Total risk-based capital ratio | 13.1396% | 4,754 |
| Memoranda: | ||
| Average total assets | $5,230,720,250 | 197 |
| Average earning assets | $5,007,873,000 | 186 |
| Average equity | $478,387,000 | 229 |
| Average total loans | $3,632,847,250 | 194 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 4,480 |
| Cost of funding earning assets | 0.0787% | 5,933 |
| Net interest margin | 3.5596% | 3,257 |
| Noninterest income to average assets | 0.8679% | 1,484 |
| Noninterest expense to average assets | 2.7324% | 3,267 |
| Loan and lease loss provision to assets | 0.0386% | 3,384 |
| Net operating income to assets | 0.9820% | 2,460 |
| Return on assets (ROA) | 1.0063% | 2,497 |
| Pretax return on assets | 1.5408% | 1,556 |
| Return on Equity (ROE) | 11.0276% | 1,630 |
| Retained earnings to average equity (ytd only) | 9.4119% | 740 |
| Net charge-offs to loans | 0.0329% | 2,794 |
| Credit loss provision to net charge-offs | 169.2047% | 1,460 |
| Earnings coverage of net charge-offs (x) | 67.6430% | 803 |
| Efficiency ratio | 63.9233% | 4,033 |
| Assets per employee ($millions) | 5.7615% | 1,577 |
| Cash dividends to net income (ytd only)* | 14.6515% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 454 |
| Loan loss allowance to noncurrent loans | 507.3869% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 4,173 |
| Noncurrent loans to loans | 0.4563% | 3,736 |
| Net loans and leases to total assets | 69.6978% | 2,521 |
| Net loans and leases to deposits | 80.1498% | 2,913 |
| Net loans and leases to core deposits | 81.6816% | 3,303 |
| Total domestic deposits to total assets | 86.9594% | 1,936 |
| Equity capital to assets | 9.4351% | 4,834 |
| Core capital (leverage) ratio | 9.9697% | 3,599 |
| Tier 1 risk-based capital ratio | 11.8412% | 4,946 |
| Total risk-based capital ratio | 13.1008% | 4,820 |
| Memoranda: | ||
| Average total assets | $5,184,711,670 | 199 |
| Average earning assets | $4,961,964,670 | 187 |
| Average equity | $473,104,000 | 231 |
| Average total loans | $3,597,580,000 | 196 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 4,701 |
| Cost of funding earning assets | 0.0794% | 5,988 |
| Net interest margin | 3.4914% | 3,505 |
| Noninterest income to average assets | 0.8556% | 1,431 |
| Noninterest expense to average assets | 2.7669% | 3,194 |
| Loan and lease loss provision to assets | 0.0385% | 3,136 |
| Net operating income to assets | 0.9143% | 2,679 |
| Return on assets (ROA) | 0.9459% | 2,644 |
| Pretax return on assets | 1.4428% | 1,769 |
| Return on Equity (ROE) | 10.5442% | 1,765 |
| Retained earnings to average equity (ytd only) | 8.9059% | 1,144 |
| Net charge-offs to loans | 0.1205% | 1,388 |
| Credit loss provision to net charge-offs | 46.7290% | 2,081 |
| Earnings coverage of net charge-offs (x) | 17.3916% | 1,577 |
| Efficiency ratio | 65.8738% | 3,824 |
| Assets per employee ($millions) | 5.8047% | 1,577 |
| Cash dividends to net income (ytd only)* | 15.5375% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3783% | 458 |
| Loan loss allowance to noncurrent loans | 456.7540% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 4,092 |
| Noncurrent loans to loans | 0.5207% | 3,623 |
| Net loans and leases to total assets | 68.1299% | 2,631 |
| Net loans and leases to deposits | 78.6325% | 2,932 |
| Net loans and leases to core deposits | 80.3791% | 3,289 |
| Total domestic deposits to total assets | 86.6435% | 2,385 |
| Equity capital to assets | 9.3214% | 4,868 |
| Core capital (leverage) ratio | 9.5871% | 4,048 |
| Tier 1 risk-based capital ratio | 12.0410% | 4,889 |
| Total risk-based capital ratio | 13.3013% | 4,799 |
| Memoranda: | ||
| Average total assets | $5,193,038,000 | 197 |
| Average earning assets | $4,974,777,000 | 187 |
| Average equity | $465,849,000 | 232 |
| Average total loans | $3,552,669,500 | 197 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 4,791 |
| Cost of funding earning assets | 0.0938% | 5,987 |
| Net interest margin | 3.4610% | 3,673 |
| Noninterest income to average assets | 0.9739% | 1,250 |
| Noninterest expense to average assets | 2.8135% | 3,176 |
| Loan and lease loss provision to assets | 0.0537% | 3,241 |
| Net operating income to assets | 0.9361% | 2,680 |
| Return on assets (ROA) | 0.9443% | 2,716 |
| Pretax return on assets | 1.4184% | 1,826 |
| Return on Equity (ROE) | 10.5589% | 1,777 |
| Retained earnings to average equity (ytd only) | 8.9642% | 659 |
| Net charge-offs to loans | -0.0314% | 5,413 |
| Credit loss provision to net charge-offs | -244.2308% | 5,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5822% | 3,968 |
| Assets per employee ($millions) | 6.0516% | 1,349 |
| Cash dividends to net income (ytd only)* | 15.1030% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3891% | 461 |
| Loan loss allowance to noncurrent loans | 453.9670% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 4,146 |
| Noncurrent loans to loans | 0.5263% | 3,585 |
| Net loans and leases to total assets | 65.4880% | 3,053 |
| Net loans and leases to deposits | 76.4213% | 3,202 |
| Net loans and leases to core deposits | 78.2545% | 3,519 |
| Total domestic deposits to total assets | 85.6933% | 2,776 |
| Equity capital to assets | 8.6342% | 5,439 |
| Core capital (leverage) ratio | 9.2934% | 4,485 |
| Tier 1 risk-based capital ratio | 11.8217% | 5,055 |
| Total risk-based capital ratio | 13.0822% | 4,971 |
| Memoranda: | ||
| Average total assets | $4,964,267,800 | 192 |
| Average earning assets | $4,732,612,200 | 184 |
| Average equity | $443,966,600 | 230 |
| Average total loans | $3,476,704,600 | 192 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 4,783 |
| Cost of funding earning assets | 0.0985% | 6,063 |
| Net interest margin | 3.4855% | 3,597 |
| Noninterest income to average assets | 0.9402% | 1,344 |
| Noninterest expense to average assets | 2.7896% | 3,233 |
| Loan and lease loss provision to assets | 0.0729% | 2,716 |
| Net operating income to assets | 0.9120% | 2,904 |
| Return on assets (ROA) | 0.9120% | 2,990 |
| Pretax return on assets | 1.3974% | 2,022 |
| Return on Equity (ROE) | 10.1030% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.4835% | 1,063 |
| Net charge-offs to loans | -0.0341% | 5,404 |
| Credit loss provision to net charge-offs | -301.6968% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4585% | 3,982 |
| Assets per employee ($millions) | 5.8152% | 1,498 |
| Cash dividends to net income (ytd only)* | 16.0301% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3783% | 515 |
| Loan loss allowance to noncurrent loans | 394.9352% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 4,043 |
| Noncurrent loans to loans | 0.6022% | 3,514 |
| Net loans and leases to total assets | 68.6901% | 2,584 |
| Net loans and leases to deposits | 81.2413% | 2,733 |
| Net loans and leases to core deposits | 83.2840% | 3,123 |
| Total domestic deposits to total assets | 84.5507% | 3,197 |
| Equity capital to assets | 8.8156% | 5,476 |
| Core capital (leverage) ratio | 9.5442% | 4,246 |
| Tier 1 risk-based capital ratio | 11.4130% | 5,417 |
| Total risk-based capital ratio | 12.6732% | 5,331 |
| Memoranda: | ||
| Average total assets | $4,880,041,750 | 196 |
| Average earning assets | $4,647,883,000 | 186 |
| Average equity | $440,530,250 | 235 |
| Average total loans | $3,456,731,250 | 194 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,730 |
| Cost of funding earning assets | 0.1057% | 6,110 |
| Net interest margin | 3.4882% | 3,548 |
| Noninterest income to average assets | 0.9377% | 1,341 |
| Noninterest expense to average assets | 2.8200% | 3,161 |
| Loan and lease loss provision to assets | 0.0692% | 2,728 |
| Net operating income to assets | 0.8938% | 2,912 |
| Return on assets (ROA) | 0.8938% | 3,040 |
| Pretax return on assets | 1.3673% | 2,120 |
| Return on Equity (ROE) | 9.8209% | 2,149 |
| Retained earnings to average equity (ytd only) | 8.1914% | 1,191 |
| Net charge-offs to loans | -0.0450% | 5,508 |
| Credit loss provision to net charge-offs | -216.4935% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2470% | 3,963 |
| Assets per employee ($millions) | 5.6519% | 1,618 |
| Cash dividends to net income (ytd only)* | 16.5924% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 578 |
| Loan loss allowance to noncurrent loans | 339.2286% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 3,845 |
| Noncurrent loans to loans | 0.6977% | 3,400 |
| Net loans and leases to total assets | 71.3235% | 2,103 |
| Net loans and leases to deposits | 83.7742% | 2,340 |
| Net loans and leases to core deposits | 85.7206% | 2,793 |
| Total domestic deposits to total assets | 85.1378% | 3,072 |
| Equity capital to assets | 9.2551% | 4,949 |
| Core capital (leverage) ratio | 9.7489% | 3,941 |
| Tier 1 risk-based capital ratio | 11.5671% | 5,418 |
| Total risk-based capital ratio | 12.8272% | 5,330 |
| Memoranda: | ||
| Average total assets | $4,818,363,330 | 201 |
| Average earning assets | $4,584,229,670 | 189 |
| Average equity | $438,535,000 | 237 |
| Average total loans | $3,420,986,670 | 197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5420% | 4,853 |
| Cost of funding earning assets | 0.1111% | 6,152 |
| Net interest margin | 3.4310% | 3,710 |
| Noninterest income to average assets | 0.8654% | 1,516 |
| Noninterest expense to average assets | 2.8537% | 3,056 |
| Loan and lease loss provision to assets | 0.0555% | 2,823 |
| Net operating income to assets | 0.8007% | 3,255 |
| Return on assets (ROA) | 0.8007% | 3,383 |
| Pretax return on assets | 1.2188% | 2,592 |
| Return on Equity (ROE) | 8.8726% | 2,510 |
| Retained earnings to average equity (ytd only) | 7.2336% | 1,899 |
| Net charge-offs to loans | -0.1632% | 6,000 |
| Credit loss provision to net charge-offs | -48.5798% | 4,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1252% | 3,634 |
| Assets per employee ($millions) | 5.7253% | 1,607 |
| Cash dividends to net income (ytd only)* | 18.4727% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4648% | 557 |
| Loan loss allowance to noncurrent loans | 321.5776% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 3,786 |
| Noncurrent loans to loans | 0.7665% | 3,339 |
| Net loans and leases to total assets | 67.9342% | 2,449 |
| Net loans and leases to deposits | 79.3117% | 2,637 |
| Net loans and leases to core deposits | 81.2709% | 3,024 |
| Total domestic deposits to total assets | 85.6547% | 3,115 |
| Equity capital to assets | 9.0505% | 5,229 |
| Core capital (leverage) ratio | 9.8198% | 3,858 |
| Tier 1 risk-based capital ratio | 11.7666% | 5,397 |
| Total risk-based capital ratio | 13.0275% | 5,287 |
| Memoranda: | ||
| Average total assets | $4,808,516,500 | 200 |
| Average earning assets | $4,572,494,000 | 189 |
| Average equity | $433,918,000 | 238 |
| Average total loans | $3,364,320,000 | 195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,666 |
| Cost of funding earning assets | 0.1304% | 6,195 |
| Net interest margin | 3.6121% | 3,370 |
| Noninterest income to average assets | 0.9610% | 1,315 |
| Noninterest expense to average assets | 2.8336% | 3,366 |
| Loan and lease loss provision to assets | 0.1314% | 1,994 |
| Net operating income to assets | 0.9237% | 2,757 |
| Return on assets (ROA) | 0.9248% | 2,847 |
| Pretax return on assets | 1.4094% | 1,855 |
| Return on Equity (ROE) | 9.6283% | 2,281 |
| Retained earnings to average equity (ytd only) | 8.2635% | 928 |
| Net charge-offs to loans | 0.2196% | 1,908 |
| Credit loss provision to net charge-offs | 83.1370% | 2,803 |
| Earnings coverage of net charge-offs (x) | 9.7408% | 2,707 |
| Efficiency ratio | 64.7963% | 4,437 |
| Assets per employee ($millions) | 5.5568% | 1,724 |
| Cash dividends to net income (ytd only)* | 14.1751% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 609 |
| Loan loss allowance to noncurrent loans | 285.3579% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 3,727 |
| Noncurrent loans to loans | 0.8493% | 3,186 |
| Net loans and leases to total assets | 68.5829% | 2,475 |
| Net loans and leases to deposits | 79.9324% | 2,725 |
| Net loans and leases to core deposits | 81.9849% | 3,108 |
| Total domestic deposits to total assets | 85.8011% | 2,948 |
| Equity capital to assets | 8.9970% | 5,288 |
| Core capital (leverage) ratio | 9.6096% | 4,082 |
| Tier 1 risk-based capital ratio | 12.3711% | 5,112 |
| Total risk-based capital ratio | 13.6332% | 5,026 |
| Memoranda: | ||
| Average total assets | $4,567,624,400 | 200 |
| Average earning assets | $4,314,145,200 | 190 |
| Average equity | $438,737,600 | 227 |
| Average total loans | $3,286,991,000 | 190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 4,713 |
| Cost of funding earning assets | 0.1338% | 6,269 |
| Net interest margin | 3.6154% | 3,367 |
| Noninterest income to average assets | 0.9753% | 1,295 |
| Noninterest expense to average assets | 2.8177% | 3,394 |
| Loan and lease loss provision to assets | 0.1328% | 1,885 |
| Net operating income to assets | 0.9412% | 2,724 |
| Return on assets (ROA) | 0.9426% | 2,810 |
| Pretax return on assets | 1.4383% | 1,853 |
| Return on Equity (ROE) | 9.6523% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.3274% | 1,211 |
| Net charge-offs to loans | 0.2855% | 1,378 |
| Credit loss provision to net charge-offs | 64.2582% | 2,872 |
| Earnings coverage of net charge-offs (x) | 7.5909% | 2,909 |
| Efficiency ratio | 64.2270% | 4,502 |
| Assets per employee ($millions) | 5.5108% | 1,714 |
| Cash dividends to net income (ytd only)* | 13.7262% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3979% | 739 |
| Loan loss allowance to noncurrent loans | 266.6533% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 3,827 |
| Noncurrent loans to loans | 0.8992% | 3,315 |
| Net loans and leases to total assets | 69.0440% | 2,359 |
| Net loans and leases to deposits | 80.6742% | 2,596 |
| Net loans and leases to core deposits | 82.8151% | 3,024 |
| Total domestic deposits to total assets | 85.5838% | 3,080 |
| Equity capital to assets | 9.6779% | 4,576 |
| Core capital (leverage) ratio | 10.2624% | 3,326 |
| Tier 1 risk-based capital ratio | 12.6254% | 5,081 |
| Total risk-based capital ratio | 13.8867% | 4,993 |
| Memoranda: | ||
| Average total assets | $4,517,599,250 | 199 |
| Average earning assets | $4,262,528,250 | 191 |
| Average equity | $441,184,250 | 220 |
| Average total loans | $3,270,975,750 | 189 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 4,657 |
| Cost of funding earning assets | 0.1382% | 6,323 |
| Net interest margin | 3.6211% | 3,271 |
| Noninterest income to average assets | 0.9978% | 1,206 |
| Noninterest expense to average assets | 2.8575% | 3,322 |
| Loan and lease loss provision to assets | 0.1235% | 1,999 |
| Net operating income to assets | 0.9354% | 2,624 |
| Return on assets (ROA) | 0.9376% | 2,717 |
| Pretax return on assets | 1.4289% | 1,790 |
| Return on Equity (ROE) | 9.5703% | 2,343 |
| Retained earnings to average equity (ytd only) | 8.3082% | 1,209 |
| Net charge-offs to loans | -0.0130% | 5,398 |
| Credit loss provision to net charge-offs | -1,303.3175% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8395% | 4,561 |
| Assets per employee ($millions) | 5.3066% | 1,873 |
| Cash dividends to net income (ytd only)* | 13.1880% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5586% | 661 |
| Loan loss allowance to noncurrent loans | 274.6301% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 3,735 |
| Noncurrent loans to loans | 0.9317% | 3,383 |
| Net loans and leases to total assets | 72.6070% | 1,631 |
| Net loans and leases to deposits | 85.4666% | 1,870 |
| Net loans and leases to core deposits | 88.0886% | 2,307 |
| Total domestic deposits to total assets | 84.9536% | 3,533 |
| Equity capital to assets | 10.0041% | 4,100 |
| Core capital (leverage) ratio | 10.5207% | 2,920 |
| Tier 1 risk-based capital ratio | 12.3960% | 5,303 |
| Total risk-based capital ratio | 13.6591% | 5,213 |
| Memoranda: | ||
| Average total assets | $4,452,878,330 | 202 |
| Average earning assets | $4,191,782,000 | 194 |
| Average equity | $436,246,330 | 220 |
| Average total loans | $3,250,263,000 | 187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,933 |
| Cost of funding earning assets | 0.1398% | 6,401 |
| Net interest margin | 3.5340% | 3,553 |
| Noninterest income to average assets | 0.8617% | 1,514 |
| Noninterest expense to average assets | 2.8834% | 3,274 |
| Loan and lease loss provision to assets | 0.1126% | 2,072 |
| Net operating income to assets | 0.7881% | 3,211 |
| Return on assets (ROA) | 0.7890% | 3,279 |
| Pretax return on assets | 1.1964% | 2,497 |
| Return on Equity (ROE) | 8.1406% | 2,868 |
| Retained earnings to average equity (ytd only) | 7.0977% | 1,987 |
| Net charge-offs to loans | 0.0239% | 3,088 |
| Credit loss provision to net charge-offs | 651.0417% | 438 |
| Earnings coverage of net charge-offs (x) | 75.5990% | 566 |
| Efficiency ratio | 68.7919% | 4,045 |
| Assets per employee ($millions) | 5.2841% | 1,924 |
| Cash dividends to net income (ytd only)* | 12.8111% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5785% | 735 |
| Loan loss allowance to noncurrent loans | 271.2225% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 3,696 |
| Noncurrent loans to loans | 0.9507% | 3,511 |
| Net loans and leases to total assets | 70.8944% | 1,740 |
| Net loans and leases to deposits | 83.5780% | 1,864 |
| Net loans and leases to core deposits | 86.1314% | 2,306 |
| Total domestic deposits to total assets | 84.8243% | 3,946 |
| Equity capital to assets | 9.7749% | 4,136 |
| Core capital (leverage) ratio | 10.3370% | 3,132 |
| Tier 1 risk-based capital ratio | 12.5422% | 5,288 |
| Total risk-based capital ratio | 13.8057% | 5,220 |
| Memoranda: | ||
| Average total assets | $4,439,927,500 | 203 |
| Average earning assets | $4,182,854,500 | 192 |
| Average equity | $430,338,500 | 224 |
| Average total loans | $3,206,747,500 | 188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 5,007 |
| Cost of funding earning assets | 0.2039% | 6,268 |
| Net interest margin | 3.5350% | 3,740 |
| Noninterest income to average assets | 0.9613% | 1,488 |
| Noninterest expense to average assets | 2.8422% | 3,562 |
| Loan and lease loss provision to assets | 0.1542% | 2,348 |
| Net operating income to assets | 0.8502% | 3,033 |
| Return on assets (ROA) | 1.0200% | 2,308 |
| Pretax return on assets | 1.5551% | 1,281 |
| Return on Equity (ROE) | 10.6544% | 1,878 |
| Retained earnings to average equity (ytd only) | 9.2827% | 715 |
| Net charge-offs to loans | 0.0287% | 4,849 |
| Credit loss provision to net charge-offs | 773.3714% | 318 |
| Earnings coverage of net charge-offs (x) | 72.8194% | 586 |
| Efficiency ratio | 66.1765% | 4,525 |
| Assets per employee ($millions) | 5.4231% | 1,733 |
| Cash dividends to net income (ytd only)* | 12.8745% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5955% | 727 |
| Loan loss allowance to noncurrent loans | 260.6552% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 3,778 |
| Noncurrent loans to loans | 0.9958% | 3,524 |
| Net loans and leases to total assets | 69.8170% | 2,046 |
| Net loans and leases to deposits | 81.4078% | 2,260 |
| Net loans and leases to core deposits | 84.1014% | 2,667 |
| Total domestic deposits to total assets | 85.7620% | 3,383 |
| Equity capital to assets | 9.6097% | 4,274 |
| Core capital (leverage) ratio | 10.0046% | 3,569 |
| Tier 1 risk-based capital ratio | 12.5796% | 5,240 |
| Total risk-based capital ratio | 13.8433% | 5,183 |
| Memoranda: | ||
| Average total assets | $4,387,909,400 | 198 |
| Average earning assets | $4,137,252,000 | 185 |
| Average equity | $420,061,400 | 222 |
| Average total loans | $3,050,538,000 | 185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 5,012 |
| Cost of funding earning assets | 0.2160% | 6,311 |
| Net interest margin | 3.5390% | 3,719 |
| Noninterest income to average assets | 0.9746% | 1,523 |
| Noninterest expense to average assets | 2.7206% | 3,944 |
| Loan and lease loss provision to assets | 0.1452% | 2,462 |
| Net operating income to assets | 0.9452% | 2,618 |
| Return on assets (ROA) | 1.1721% | 1,804 |
| Pretax return on assets | 1.7891% | 926 |
| Return on Equity (ROE) | 12.2554% | 1,405 |
| Retained earnings to average equity (ytd only) | 10.7773% | 620 |
| Net charge-offs to loans | 0.0138% | 4,860 |
| Credit loss provision to net charge-offs | 1,523.0032% | 210 |
| Earnings coverage of net charge-offs (x) | 166.8318% | 330 |
| Efficiency ratio | 63.0970% | 4,969 |
| Assets per employee ($millions) | 5.3542% | 1,790 |
| Cash dividends to net income (ytd only)* | 12.0608% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5630% | 873 |
| Loan loss allowance to noncurrent loans | 234.6283% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 3,804 |
| Noncurrent loans to loans | 1.0924% | 3,609 |
| Net loans and leases to total assets | 69.6176% | 2,028 |
| Net loans and leases to deposits | 80.8045% | 2,290 |
| Net loans and leases to core deposits | 83.6686% | 2,682 |
| Total domestic deposits to total assets | 86.1557% | 3,161 |
| Equity capital to assets | 9.3895% | 4,690 |
| Core capital (leverage) ratio | 10.0980% | 3,523 |
| Tier 1 risk-based capital ratio | 12.3841% | 5,528 |
| Total risk-based capital ratio | 13.6472% | 5,455 |
| Memoranda: | ||
| Average total assets | $4,377,226,750 | 191 |
| Average earning assets | $4,126,897,000 | 181 |
| Average equity | $418,634,500 | 221 |
| Average total loans | $3,019,231,250 | 183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 5,034 |
| Cost of funding earning assets | 0.2234% | 6,349 |
| Net interest margin | 3.5134% | 3,725 |
| Noninterest income to average assets | 0.9687% | 1,606 |
| Noninterest expense to average assets | 2.7488% | 3,860 |
| Loan and lease loss provision to assets | 0.1238% | 2,773 |
| Net operating income to assets | 0.9284% | 2,668 |
| Return on assets (ROA) | 1.2630% | 1,520 |
| Pretax return on assets | 1.9283% | 702 |
| Return on Equity (ROE) | 13.1246% | 1,219 |
| Retained earnings to average equity (ytd only) | 11.5537% | 557 |
| Net charge-offs to loans | -0.0135% | 5,839 |
| Credit loss provision to net charge-offs | -1,343.2836% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1222% | 4,851 |
| Assets per employee ($millions) | 5.2108% | 1,879 |
| Cash dividends to net income (ytd only)* | 11.9691% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5755% | 904 |
| Loan loss allowance to noncurrent loans | 234.9413% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 3,838 |
| Noncurrent loans to loans | 1.0962% | 3,739 |
| Net loans and leases to total assets | 70.6699% | 1,770 |
| Net loans and leases to deposits | 83.1410% | 1,908 |
| Net loans and leases to core deposits | 86.4075% | 2,299 |
| Total domestic deposits to total assets | 85.0000% | 3,890 |
| Equity capital to assets | 9.5302% | 4,547 |
| Core capital (leverage) ratio | 10.0595% | 3,435 |
| Tier 1 risk-based capital ratio | 12.2576% | 5,650 |
| Total risk-based capital ratio | 13.5205% | 5,588 |
| Memoranda: | ||
| Average total assets | $4,362,114,330 | 191 |
| Average earning assets | $4,118,972,670 | 181 |
| Average equity | $419,761,000 | 222 |
| Average total loans | $2,972,350,330 | 183 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 5,249 |
| Cost of funding earning assets | 0.2275% | 6,429 |
| Net interest margin | 3.4443% | 3,939 |
| Noninterest income to average assets | 0.9133% | 1,715 |
| Noninterest expense to average assets | 2.7245% | 3,966 |
| Loan and lease loss provision to assets | 0.0679% | 3,502 |
| Net operating income to assets | 0.9010% | 2,652 |
| Return on assets (ROA) | 1.3544% | 1,233 |
| Pretax return on assets | 2.0720% | 527 |
| Return on Equity (ROE) | 14.0103% | 960 |
| Retained earnings to average equity (ytd only) | 12.3514% | 651 |
| Net charge-offs to loans | -0.1169% | 6,509 |
| Credit loss provision to net charge-offs | -88.0282% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3758% | 4,769 |
| Assets per employee ($millions) | 5.5172% | 1,654 |
| Cash dividends to net income (ytd only)* | 11.8406% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6612% | 959 |
| Loan loss allowance to noncurrent loans | 213.6700% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0152% | 3,896 |
| Noncurrent loans to loans | 1.2455% | 3,696 |
| Net loans and leases to total assets | 65.4066% | 2,476 |
| Net loans and leases to deposits | 76.1228% | 2,619 |
| Net loans and leases to core deposits | 79.1499% | 2,907 |
| Total domestic deposits to total assets | 85.9224% | 3,568 |
| Equity capital to assets | 9.3412% | 5,075 |
| Core capital (leverage) ratio | 9.6760% | 3,823 |
| Tier 1 risk-based capital ratio | 12.3514% | 5,679 |
| Total risk-based capital ratio | 13.6148% | 5,620 |
| Memoranda: | ||
| Average total assets | $4,417,168,500 | 192 |
| Average earning assets | $4,172,413,000 | 183 |
| Average equity | $427,029,000 | 222 |
| Average total loans | $2,916,363,500 | 186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 5,475 |
| Cost of funding earning assets | 0.3023% | 6,440 |
| Net interest margin | 3.6344% | 3,944 |
| Noninterest income to average assets | 0.8096% | 2,222 |
| Noninterest expense to average assets | 2.6311% | 4,635 |
| Loan and lease loss provision to assets | 0.5245% | 1,110 |
| Net operating income to assets | 0.7165% | 3,660 |
| Return on assets (ROA) | 0.7379% | 3,811 |
| Pretax return on assets | 1.1134% | 3,113 |
| Return on Equity (ROE) | 7.2708% | 3,483 |
| Retained earnings to average equity (ytd only) | 5.8897% | 2,146 |
| Net charge-offs to loans | 0.5675% | 2,028 |
| Credit loss provision to net charge-offs | 140.9111% | 1,950 |
| Earnings coverage of net charge-offs (x) | 4.3129% | 3,414 |
| Efficiency ratio | 62.0915% | 5,225 |
| Assets per employee ($millions) | 5.6160% | 1,586 |
| Cash dividends to net income (ytd only)* | 18.9955% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6423% | 975 |
| Loan loss allowance to noncurrent loans | 194.8894% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 3,905 |
| Noncurrent loans to loans | 1.3558% | 3,568 |
| Net loans and leases to total assets | 63.1627% | 3,021 |
| Net loans and leases to deposits | 74.2588% | 3,053 |
| Net loans and leases to core deposits | 77.0858% | 3,388 |
| Total domestic deposits to total assets | 85.0575% | 3,837 |
| Equity capital to assets | 9.9868% | 4,183 |
| Core capital (leverage) ratio | 10.2605% | 3,064 |
| Tier 1 risk-based capital ratio | 13.3192% | 4,885 |
| Total risk-based capital ratio | 14.5821% | 4,824 |
| Memoranda: | ||
| Average total assets | $4,257,569,600 | 194 |
| Average earning assets | $4,014,536,800 | 184 |
| Average equity | $432,112,400 | 220 |
| Average total loans | $2,792,831,400 | 188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 5,594 |
| Cost of funding earning assets | 0.3150% | 6,535 |
| Net interest margin | 3.6574% | 3,973 |
| Noninterest income to average assets | 0.7741% | 2,358 |
| Noninterest expense to average assets | 2.5670% | 4,855 |
| Loan and lease loss provision to assets | 0.6129% | 884 |
| Net operating income to assets | 0.6926% | 3,947 |
| Return on assets (ROA) | 0.7211% | 4,069 |
| Pretax return on assets | 1.0866% | 3,400 |
| Return on Equity (ROE) | 7.0750% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.7221% | 2,883 |
| Net charge-offs to loans | 0.6459% | 1,698 |
| Credit loss provision to net charge-offs | 144.2438% | 1,982 |
| Earnings coverage of net charge-offs (x) | 3.8982% | 3,468 |
| Efficiency ratio | 60.7694% | 5,360 |
| Assets per employee ($millions) | 5.4918% | 1,644 |
| Cash dividends to net income (ytd only)* | 19.1234% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6171% | 1,065 |
| Loan loss allowance to noncurrent loans | 212.2552% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 4,128 |
| Noncurrent loans to loans | 1.2330% | 3,990 |
| Net loans and leases to total assets | 66.0016% | 2,649 |
| Net loans and leases to deposits | 78.0588% | 2,652 |
| Net loans and leases to core deposits | 81.9624% | 2,967 |
| Total domestic deposits to total assets | 84.5537% | 3,951 |
| Equity capital to assets | 10.3538% | 4,013 |
| Core capital (leverage) ratio | 10.5715% | 2,833 |
| Tier 1 risk-based capital ratio | 13.2012% | 5,093 |
| Total risk-based capital ratio | 14.4641% | 5,051 |
| Memoranda: | ||
| Average total assets | $4,205,782,750 | 197 |
| Average earning assets | $3,966,300,750 | 188 |
| Average equity | $428,669,750 | 223 |
| Average total loans | $2,766,896,750 | 191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 5,765 |
| Cost of funding earning assets | 0.3276% | 6,609 |
| Net interest margin | 3.6295% | 4,144 |
| Noninterest income to average assets | 0.7514% | 2,410 |
| Noninterest expense to average assets | 2.5716% | 4,872 |
| Loan and lease loss provision to assets | 0.7815% | 651 |
| Net operating income to assets | 0.5513% | 4,577 |
| Return on assets (ROA) | 0.5705% | 4,772 |
| Pretax return on assets | 0.8483% | 4,286 |
| Return on Equity (ROE) | 5.6273% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.3378% | 3,726 |
| Net charge-offs to loans | 0.8585% | 1,286 |
| Credit loss provision to net charge-offs | 139.8134% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.8647% | 3,597 |
| Efficiency ratio | 61.6145% | 5,309 |
| Assets per employee ($millions) | 5.4169% | 1,690 |
| Cash dividends to net income (ytd only)* | 22.9156% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6261% | 1,125 |
| Loan loss allowance to noncurrent loans | 191.5583% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 3,936 |
| Noncurrent loans to loans | 1.3709% | 3,860 |
| Net loans and leases to total assets | 66.4944% | 2,572 |
| Net loans and leases to deposits | 78.3735% | 2,620 |
| Net loans and leases to core deposits | 82.7002% | 2,870 |
| Total domestic deposits to total assets | 84.8429% | 3,935 |
| Equity capital to assets | 10.3384% | 3,898 |
| Core capital (leverage) ratio | 10.5125% | 2,791 |
| Tier 1 risk-based capital ratio | 13.3703% | 4,920 |
| Total risk-based capital ratio | 14.6337% | 4,874 |
| Memoranda: | ||
| Average total assets | $4,179,840,000 | 195 |
| Average earning assets | $3,940,269,000 | 187 |
| Average equity | $423,720,330 | 222 |
| Average total loans | $2,721,452,000 | 191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 5,972 |
| Cost of funding earning assets | 0.3462% | 6,657 |
| Net interest margin | 3.5732% | 4,380 |
| Noninterest income to average assets | 0.7734% | 2,284 |
| Noninterest expense to average assets | 2.5805% | 4,888 |
| Loan and lease loss provision to assets | 0.8598% | 529 |
| Net operating income to assets | 0.4758% | 4,926 |
| Return on assets (ROA) | 0.4758% | 5,124 |
| Pretax return on assets | 0.7006% | 4,786 |
| Return on Equity (ROE) | 4.7400% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.2000% | 4,647 |
| Net charge-offs to loans | 1.2834% | 797 |
| Credit loss provision to net charge-offs | 105.4605% | 2,193 |
| Earnings coverage of net charge-offs (x) | 1.9139% | 3,375 |
| Efficiency ratio | 62.3062% | 5,218 |
| Assets per employee ($millions) | 5.5576% | 1,647 |
| Cash dividends to net income (ytd only)* | 32.4900% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 1,189 |
| Loan loss allowance to noncurrent loans | 161.9814% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 3,584 |
| Noncurrent loans to loans | 1.6253% | 3,673 |
| Net loans and leases to total assets | 62.0712% | 3,241 |
| Net loans and leases to deposits | 73.3613% | 3,223 |
| Net loans and leases to core deposits | 77.7117% | 3,369 |
| Total domestic deposits to total assets | 84.6102% | 4,213 |
| Equity capital to assets | 10.0571% | 4,056 |
| Core capital (leverage) ratio | 10.3366% | 2,946 |
| Tier 1 risk-based capital ratio | 13.8747% | 4,551 |
| Total risk-based capital ratio | 15.1379% | 4,522 |
| Memoranda: | ||
| Average total assets | $4,186,978,000 | 192 |
| Average earning assets | $3,945,906,500 | 185 |
| Average equity | $420,254,500 | 219 |
| Average total loans | $2,659,894,000 | 192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 5,457 |
| Cost of funding earning assets | 0.5169% | 6,463 |
| Net interest margin | 3.8750% | 3,447 |
| Noninterest income to average assets | 0.6258% | 3,032 |
| Noninterest expense to average assets | 2.5733% | 5,192 |
| Loan and lease loss provision to assets | 1.1732% | 757 |
| Net operating income to assets | 0.3501% | 5,064 |
| Return on assets (ROA) | 0.4051% | 5,017 |
| Pretax return on assets | 0.5946% | 4,714 |
| Return on Equity (ROE) | 3.7685% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.3459% | 3,842 |
| Net charge-offs to loans | 1.7211% | 882 |
| Credit loss provision to net charge-offs | 101.0886% | 3,442 |
| Earnings coverage of net charge-offs (x) | 1.4535% | 4,680 |
| Efficiency ratio | 60.3872% | 5,688 |
| Assets per employee ($millions) | 5.5263% | 1,612 |
| Cash dividends to net income (ytd only)* | 11.2129% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6521% | 1,130 |
| Loan loss allowance to noncurrent loans | 123.3640% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 3,139 |
| Noncurrent loans to loans | 2.1498% | 3,009 |
| Net loans and leases to total assets | 61.6256% | 3,675 |
| Net loans and leases to deposits | 72.9973% | 3,665 |
| Net loans and leases to core deposits | 77.7273% | 3,717 |
| Total domestic deposits to total assets | 84.4217% | 4,126 |
| Equity capital to assets | 10.0171% | 4,151 |
| Core capital (leverage) ratio | 10.3000% | 2,972 |
| Tier 1 risk-based capital ratio | 14.0306% | 4,305 |
| Total risk-based capital ratio | 15.2942% | 4,246 |
| Memoranda: | ||
| Average total assets | $3,988,992,800 | 202 |
| Average earning assets | $3,741,338,400 | 190 |
| Average equity | $428,820,800 | 206 |
| Average total loans | $2,689,856,600 | 189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 5,328 |
| Cost of funding earning assets | 0.5523% | 6,505 |
| Net interest margin | 3.9235% | 3,256 |
| Noninterest income to average assets | 0.6909% | 2,662 |
| Noninterest expense to average assets | 2.5801% | 5,151 |
| Loan and lease loss provision to assets | 1.2570% | 606 |
| Net operating income to assets | 0.3600% | 5,162 |
| Return on assets (ROA) | 0.4341% | 5,034 |
| Pretax return on assets | 0.6387% | 4,691 |
| Return on Equity (ROE) | 3.9668% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.8123% | 4,017 |
| Net charge-offs to loans | 1.6357% | 854 |
| Credit loss provision to net charge-offs | 112.1452% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.5940% | 4,447 |
| Efficiency ratio | 59.0705% | 5,859 |
| Assets per employee ($millions) | 5.5521% | 1,542 |
| Cash dividends to net income (ytd only)* | 3.8944% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7160% | 1,113 |
| Loan loss allowance to noncurrent loans | 135.6860% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9848% | 3,157 |
| Noncurrent loans to loans | 2.0017% | 3,364 |
| Net loans and leases to total assets | 64.6676% | 3,172 |
| Net loans and leases to deposits | 76.5768% | 3,232 |
| Net loans and leases to core deposits | 82.3420% | 3,274 |
| Total domestic deposits to total assets | 84.4480% | 4,032 |
| Equity capital to assets | 10.4033% | 3,826 |
| Core capital (leverage) ratio | 10.7699% | 2,596 |
| Tier 1 risk-based capital ratio | 13.6919% | 4,583 |
| Total risk-based capital ratio | 14.9563% | 4,537 |
| Memoranda: | ||
| Average total assets | $3,943,142,750 | 202 |
| Average earning assets | $3,694,306,750 | 191 |
| Average equity | $431,537,500 | 203 |
| Average total loans | $2,701,992,750 | 190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 5,214 |
| Cost of funding earning assets | 0.5875% | 6,512 |
| Net interest margin | 3.9529% | 3,074 |
| Noninterest income to average assets | 0.7333% | 2,354 |
| Noninterest expense to average assets | 2.6169% | 5,130 |
| Loan and lease loss provision to assets | 1.3490% | 544 |
| Net operating income to assets | 0.3199% | 5,292 |
| Return on assets (ROA) | 0.4366% | 4,927 |
| Pretax return on assets | 0.6416% | 4,607 |
| Return on Equity (ROE) | 3.9220% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.9220% | 3,696 |
| Net charge-offs to loans | 1.9133% | 710 |
| Credit loss provision to net charge-offs | 101.8314% | 3,040 |
| Earnings coverage of net charge-offs (x) | 1.3731% | 4,253 |
| Efficiency ratio | 58.9771% | 6,031 |
| Assets per employee ($millions) | 5.3709% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5759% | 1,337 |
| Loan loss allowance to noncurrent loans | 123.4376% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4309% | 2,727 |
| Noncurrent loans to loans | 2.0868% | 3,366 |
| Net loans and leases to total assets | 68.0111% | 2,610 |
| Net loans and leases to deposits | 81.3932% | 2,542 |
| Net loans and leases to core deposits | 87.9300% | 2,654 |
| Total domestic deposits to total assets | 83.5587% | 4,524 |
| Equity capital to assets | 11.3375% | 2,652 |
| Core capital (leverage) ratio | 11.6367% | 1,826 |
| Tier 1 risk-based capital ratio | 14.6192% | 3,715 |
| Total risk-based capital ratio | 15.8826% | 3,671 |
| Memoranda: | ||
| Average total assets | $3,899,119,000 | 206 |
| Average earning assets | $3,652,193,000 | 195 |
| Average equity | $434,064,330 | 205 |
| Average total loans | $2,699,685,330 | 192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 5,192 |
| Cost of funding earning assets | 0.6138% | 6,551 |
| Net interest margin | 3.9294% | 3,002 |
| Noninterest income to average assets | 0.8003% | 2,034 |
| Noninterest expense to average assets | 2.6491% | 5,044 |
| Loan and lease loss provision to assets | 1.2302% | 567 |
| Net operating income to assets | 0.4149% | 4,879 |
| Return on assets (ROA) | 0.4370% | 4,855 |
| Pretax return on assets | 0.6419% | 4,528 |
| Return on Equity (ROE) | 3.9623% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.9623% | 3,794 |
| Net charge-offs to loans | 1.8320% | 708 |
| Credit loss provision to net charge-offs | 97.3868% | 2,806 |
| Earnings coverage of net charge-offs (x) | 1.4562% | 3,616 |
| Efficiency ratio | 59.0024% | 6,130 |
| Assets per employee ($millions) | 5.2989% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6087% | 1,301 |
| Loan loss allowance to noncurrent loans | 87.4340% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 2.8707% | 2,406 |
| Noncurrent loans to loans | 2.9836% | 2,517 |
| Net loans and leases to total assets | 67.4595% | 2,666 |
| Net loans and leases to deposits | 80.8423% | 2,551 |
| Net loans and leases to core deposits | 87.8629% | 2,617 |
| Total domestic deposits to total assets | 83.4458% | 4,721 |
| Equity capital to assets | 11.2758% | 2,434 |
| Core capital (leverage) ratio | 11.3814% | 1,919 |
| Tier 1 risk-based capital ratio | 14.8394% | 3,514 |
| Total risk-based capital ratio | 16.1032% | 3,467 |
| Memoranda: | ||
| Average total assets | $3,901,717,000 | 205 |
| Average earning assets | $3,662,385,000 | 194 |
| Average equity | $430,359,000 | 204 |
| Average total loans | $2,690,367,500 | 191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 5,159 |
| Cost of funding earning assets | 0.8283% | 6,451 |
| Net interest margin | 4.0400% | 2,838 |
| Noninterest income to average assets | 0.6336% | 3,258 |
| Noninterest expense to average assets | 2.6435% | 5,248 |
| Loan and lease loss provision to assets | 1.1680% | 1,351 |
| Net operating income to assets | 0.4625% | 4,263 |
| Return on assets (ROA) | 0.2260% | 5,348 |
| Pretax return on assets | 0.2926% | 5,249 |
| Return on Equity (ROE) | 2.1478% | 5,331 |
| Retained earnings to average equity (ytd only) | 1.7932% | 4,606 |
| Net charge-offs to loans | 1.6295% | 1,328 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.5135% | 4,621 |
| Efficiency ratio | 59.9063% | 6,063 |
| Assets per employee ($millions) | 5.4942% | 1,580 |
| Cash dividends to net income (ytd only)* | 16.5106% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5502% | 1,348 |
| Loan loss allowance to noncurrent loans | 99.3032% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 2.6241% | 2,654 |
| Noncurrent loans to loans | 2.5681% | 2,960 |
| Net loans and leases to total assets | 66.9008% | 3,247 |
| Net loans and leases to deposits | 80.3899% | 3,098 |
| Net loans and leases to core deposits | 88.4948% | 2,984 |
| Total domestic deposits to total assets | 83.2204% | 4,700 |
| Equity capital to assets | 10.7930% | 2,865 |
| Core capital (leverage) ratio | 10.8135% | 2,300 |
| Tier 1 risk-based capital ratio | 14.4532% | 3,580 |
| Total risk-based capital ratio | 15.7166% | 3,522 |
| Memoranda: | ||
| Average total assets | $4,017,511,800 | 202 |
| Average earning assets | $3,756,712,400 | 193 |
| Average equity | $422,713,200 | 204 |
| Average total loans | $2,879,689,000 | 182 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 5,223 |
| Cost of funding earning assets | 0.8706% | 6,503 |
| Net interest margin | 4.0380% | 2,919 |
| Noninterest income to average assets | 0.7274% | 2,658 |
| Noninterest expense to average assets | 2.5724% | 5,420 |
| Loan and lease loss provision to assets | 1.2617% | 1,118 |
| Net operating income to assets | 0.5158% | 4,238 |
| Return on assets (ROA) | 0.2422% | 5,537 |
| Pretax return on assets | 0.3125% | 5,471 |
| Return on Equity (ROE) | 2.3171% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.8426% | 5,040 |
| Net charge-offs to loans | 1.7019% | 1,152 |
| Credit loss provision to net charge-offs | 102.3655% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.5618% | 4,555 |
| Efficiency ratio | 57.1793% | 6,392 |
| Assets per employee ($millions) | 5.6519% | 1,501 |
| Cash dividends to net income (ytd only)* | 20.4782% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,382 |
| Loan loss allowance to noncurrent loans | 84.7887% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 3.2900% | 2,169 |
| Noncurrent loans to loans | 2.9072% | 2,744 |
| Net loans and leases to total assets | 69.6404% | 2,821 |
| Net loans and leases to deposits | 83.1796% | 2,876 |
| Net loans and leases to core deposits | 92.8167% | 2,680 |
| Total domestic deposits to total assets | 83.7229% | 4,262 |
| Equity capital to assets | 10.8108% | 3,156 |
| Core capital (leverage) ratio | 10.6531% | 2,547 |
| Tier 1 risk-based capital ratio | 13.7548% | 4,019 |
| Total risk-based capital ratio | 15.0173% | 3,963 |
| Memoranda: | ||
| Average total assets | $4,028,805,500 | 199 |
| Average earning assets | $3,761,412,750 | 192 |
| Average equity | $421,208,250 | 201 |
| Average total loans | $2,917,843,000 | 182 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 5,409 |
| Cost of funding earning assets | 0.8915% | 6,619 |
| Net interest margin | 4.0040% | 3,000 |
| Noninterest income to average assets | 0.7165% | 2,609 |
| Noninterest expense to average assets | 2.6244% | 5,230 |
| Loan and lease loss provision to assets | 1.2507% | 1,115 |
| Net operating income to assets | 0.4413% | 4,581 |
| Return on assets (ROA) | 0.2422% | 5,546 |
| Pretax return on assets | 0.3203% | 5,450 |
| Return on Equity (ROE) | 2.3430% | 5,526 |
| Retained earnings to average equity (ytd only) | 1.6248% | 5,053 |
| Net charge-offs to loans | 1.6227% | 1,169 |
| Credit loss provision to net charge-offs | 105.9233% | 3,849 |
| Earnings coverage of net charge-offs (x) | 1.5524% | 4,327 |
| Efficiency ratio | 58.8599% | 6,252 |
| Assets per employee ($millions) | 5.7413% | 1,413 |
| Cash dividends to net income (ytd only)* | 30.6544% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4314% | 1,397 |
| Loan loss allowance to noncurrent loans | 109.8097% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 2.6567% | 2,714 |
| Noncurrent loans to loans | 2.2142% | 3,469 |
| Net loans and leases to total assets | 69.9530% | 2,909 |
| Net loans and leases to deposits | 86.7231% | 2,390 |
| Net loans and leases to core deposits | 98.1731% | 2,208 |
| Total domestic deposits to total assets | 80.6625% | 5,519 |
| Equity capital to assets | 10.4401% | 3,484 |
| Core capital (leverage) ratio | 10.8995% | 2,326 |
| Tier 1 risk-based capital ratio | 13.2458% | 4,256 |
| Total risk-based capital ratio | 14.5075% | 4,201 |
| Memoranda: | ||
| Average total assets | $4,037,880,670 | 199 |
| Average earning assets | $3,772,503,670 | 193 |
| Average equity | $417,410,670 | 203 |
| Average total loans | $2,938,076,330 | 182 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 5,555 |
| Cost of funding earning assets | 0.9315% | 6,654 |
| Net interest margin | 3.9495% | 3,102 |
| Noninterest income to average assets | 0.6656% | 2,844 |
| Noninterest expense to average assets | 2.6422% | 5,173 |
| Loan and lease loss provision to assets | 1.1314% | 1,082 |
| Net operating income to assets | 0.4628% | 4,561 |
| Return on assets (ROA) | 0.2141% | 5,755 |
| Pretax return on assets | 0.2726% | 5,680 |
| Return on Equity (ROE) | 2.0820% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.0820% | 4,884 |
| Net charge-offs to loans | 1.4428% | 1,197 |
| Credit loss provision to net charge-offs | 106.9783% | 3,213 |
| Earnings coverage of net charge-offs (x) | 1.6251% | 3,759 |
| Efficiency ratio | 60.5670% | 6,073 |
| Assets per employee ($millions) | 5.5248% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4328% | 1,386 |
| Loan loss allowance to noncurrent loans | 83.4786% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 2.9942% | 2,396 |
| Noncurrent loans to loans | 2.9143% | 2,764 |
| Net loans and leases to total assets | 71.4624% | 2,574 |
| Net loans and leases to deposits | 85.8329% | 2,620 |
| Net loans and leases to core deposits | 97.6976% | 2,376 |
| Total domestic deposits to total assets | 83.2576% | 4,497 |
| Equity capital to assets | 10.5454% | 3,201 |
| Core capital (leverage) ratio | 10.8802% | 2,309 |
| Tier 1 risk-based capital ratio | 13.3892% | 4,054 |
| Total risk-based capital ratio | 14.6510% | 4,008 |
| Memoranda: | ||
| Average total assets | $4,021,541,500 | 203 |
| Average earning assets | $3,762,676,000 | 196 |
| Average equity | $413,631,500 | 205 |
| Average total loans | $2,947,895,500 | 186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 5,669 |
| Cost of funding earning assets | 1.2168% | 6,601 |
| Net interest margin | 3.9795% | 2,945 |
| Noninterest income to average assets | 0.8829% | 2,017 |
| Noninterest expense to average assets | 2.5915% | 5,825 |
| Loan and lease loss provision to assets | 1.9504% | 1,124 |
| Net operating income to assets | 0.1443% | 5,065 |
| Return on assets (ROA) | 0.0739% | 5,321 |
| Pretax return on assets | 0.0122% | 5,409 |
| Return on Equity (ROE) | 0.8003% | 5,290 |
| Retained earnings to average equity (ytd only) | -1.7070% | 5,437 |
| Net charge-offs to loans | 2.0722% | 1,184 |
| Credit loss provision to net charge-offs | 119.3578% | 4,496 |
| Earnings coverage of net charge-offs (x) | 1.2441% | 4,882 |
| Efficiency ratio | 56.0151% | 7,012 |
| Assets per employee ($millions) | 5.6374% | 1,523 |
| Cash dividends to net income (ytd only)* | 313.3043% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3132% | 1,462 |
| Loan loss allowance to noncurrent loans | 65.3183% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 3.1387% | 2,200 |
| Noncurrent loans to loans | 3.5414% | 2,141 |
| Net loans and leases to total assets | 71.6619% | 2,844 |
| Net loans and leases to deposits | 86.6624% | 2,804 |
| Net loans and leases to core deposits | 104.4345% | 3,520 |
| Total domestic deposits to total assets | 82.6909% | 4,661 |
| Equity capital to assets | 10.0352% | 3,708 |
| Core capital (leverage) ratio | 10.7688% | 2,372 |
| Tier 1 risk-based capital ratio | 12.9216% | 4,194 |
| Total risk-based capital ratio | 14.1824% | 4,138 |
| Memoranda: | ||
| Average total assets | $4,040,197,000 | 208 |
| Average earning assets | $3,798,713,600 | 197 |
| Average equity | $372,872,400 | 221 |
| Average total loans | $3,185,942,000 | 181 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2305% | 5,756 |
| Cost of funding earning assets | 1.2821% | 6,616 |
| Net interest margin | 3.9484% | 3,043 |
| Noninterest income to average assets | 0.9036% | 1,969 |
| Noninterest expense to average assets | 2.6670% | 5,466 |
| Loan and lease loss provision to assets | 1.9640% | 928 |
| Net operating income to assets | 0.0606% | 5,575 |
| Return on assets (ROA) | 0.0235% | 5,708 |
| Pretax return on assets | -0.0689% | 5,807 |
| Return on Equity (ROE) | 0.2606% | 5,699 |
| Retained earnings to average equity (ytd only) | -2.6206% | 5,845 |
| Net charge-offs to loans | 1.9783% | 999 |
| Credit loss provision to net charge-offs | 123.7014% | 4,073 |
| Earnings coverage of net charge-offs (x) | 1.2301% | 4,847 |
| Efficiency ratio | 57.7033% | 6,759 |
| Assets per employee ($millions) | 5.3799% | 1,726 |
| Cash dividends to net income (ytd only)* | 1,105.6378% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1611% | 1,490 |
| Loan loss allowance to noncurrent loans | 50.1720% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.8502% | 1,675 |
| Noncurrent loans to loans | 4.3074% | 1,662 |
| Net loans and leases to total assets | 78.8606% | 1,412 |
| Net loans and leases to deposits | 96.1894% | 1,548 |
| Net loans and leases to core deposits | 117.6455% | 2,452 |
| Total domestic deposits to total assets | 81.9847% | 4,686 |
| Equity capital to assets | 10.2499% | 3,786 |
| Core capital (leverage) ratio | 10.8791% | 2,501 |
| Tier 1 risk-based capital ratio | 11.9948% | 4,987 |
| Total risk-based capital ratio | 13.2534% | 4,910 |
| Memoranda: | ||
| Average total assets | $4,025,643,750 | 216 |
| Average earning assets | $3,789,073,750 | 206 |
| Average equity | $363,269,750 | 232 |
| Average total loans | $3,230,791,250 | 189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 6,135 |
| Cost of funding earning assets | 1.3532% | 6,637 |
| Net interest margin | 3.8313% | 3,409 |
| Noninterest income to average assets | 0.9754% | 1,674 |
| Noninterest expense to average assets | 2.6724% | 5,486 |
| Loan and lease loss provision to assets | 2.1064% | 755 |
| Net operating income to assets | -0.0428% | 5,912 |
| Return on assets (ROA) | -0.0448% | 5,981 |
| Pretax return on assets | -0.1976% | 6,121 |
| Return on Equity (ROE) | -0.5189% | 6,003 |
| Retained earnings to average equity (ytd only) | -4.9953% | 6,298 |
| Net charge-offs to loans | 2.0625% | 896 |
| Credit loss provision to net charge-offs | 127.4340% | 3,653 |
| Earnings coverage of net charge-offs (x) | 1.1567% | 4,655 |
| Efficiency ratio | 58.2701% | 6,820 |
| Assets per employee ($millions) | 5.4309% | 1,645 |
| Cash dividends to net income (ytd only)* | -862.6374% | 8,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 1,521 |
| Loan loss allowance to noncurrent loans | 48.5494% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 3.6978% | 1,665 |
| Noncurrent loans to loans | 4.1687% | 1,596 |
| Net loans and leases to total assets | 78.6297% | 1,609 |
| Net loans and leases to deposits | 103.8543% | 927 |
| Net loans and leases to core deposits | 127.5008% | 1,742 |
| Total domestic deposits to total assets | 75.7116% | 6,612 |
| Equity capital to assets | 9.6805% | 4,379 |
| Core capital (leverage) ratio | 10.6093% | 2,728 |
| Tier 1 risk-based capital ratio | 11.5225% | 5,356 |
| Total risk-based capital ratio | 12.7795% | 5,281 |
| Memoranda: | ||
| Average total assets | $4,063,795,330 | 217 |
| Average earning assets | $3,827,863,000 | 206 |
| Average equity | $350,728,330 | 238 |
| Average total loans | $3,256,883,000 | 193 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 6,447 |
| Cost of funding earning assets | 1.4754% | 6,484 |
| Net interest margin | 3.6840% | 3,968 |
| Noninterest income to average assets | 1.0082% | 1,461 |
| Noninterest expense to average assets | 2.5634% | 5,594 |
| Loan and lease loss provision to assets | 1.9978% | 602 |
| Net operating income to assets | 0.0650% | 6,082 |
| Return on assets (ROA) | 0.0362% | 6,324 |
| Pretax return on assets | -0.1301% | 6,503 |
| Return on Equity (ROE) | 0.4468% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.4468% | 5,478 |
| Net charge-offs to loans | 2.1815% | 659 |
| Credit loss provision to net charge-offs | 114.3469% | 3,400 |
| Earnings coverage of net charge-offs (x) | 1.0947% | 4,208 |
| Efficiency ratio | 57.2697% | 6,794 |
| Assets per employee ($millions) | 5.3922% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 1,804 |
| Loan loss allowance to noncurrent loans | 55.4751% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.9855% | 1,890 |
| Noncurrent loans to loans | 3.2818% | 1,952 |
| Net loans and leases to total assets | 79.0924% | 1,562 |
| Net loans and leases to deposits | 104.8188% | 955 |
| Net loans and leases to core deposits | 129.1185% | 1,712 |
| Total domestic deposits to total assets | 75.4563% | 6,610 |
| Equity capital to assets | 9.3280% | 4,897 |
| Core capital (leverage) ratio | 10.2431% | 3,161 |
| Tier 1 risk-based capital ratio | 11.1335% | 5,782 |
| Total risk-based capital ratio | 12.3880% | 5,691 |
| Memoranda: | ||
| Average total assets | $4,064,551,000 | 216 |
| Average earning assets | $3,826,015,000 | 206 |
| Average equity | $329,468,000 | 246 |
| Average total loans | $3,255,252,500 | 192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1828% | 4,599 |
| Cost of funding earning assets | 2.4349% | 4,546 |
| Net interest margin | 3.7479% | 4,234 |
| Noninterest income to average assets | 0.8991% | 1,957 |
| Noninterest expense to average assets | 2.5146% | 5,949 |
| Loan and lease loss provision to assets | 1.4060% | 986 |
| Net operating income to assets | 0.3672% | 5,285 |
| Return on assets (ROA) | 0.4037% | 4,951 |
| Pretax return on assets | 0.5613% | 4,811 |
| Return on Equity (ROE) | 5.0053% | 4,387 |
| Retained earnings to average equity (ytd only) | 0.2657% | 5,080 |
| Net charge-offs to loans | 1.4478% | 804 |
| Credit loss provision to net charge-offs | 123.4948% | 4,345 |
| Earnings coverage of net charge-offs (x) | 1.6835% | 5,242 |
| Efficiency ratio | 56.7465% | 6,900 |
| Assets per employee ($millions) | 5.4539% | 1,493 |
| Cash dividends to net income (ytd only)* | 94.6910% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 1,779 |
| Loan loss allowance to noncurrent loans | 58.8320% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.5756% | 1,877 |
| Noncurrent loans to loans | 2.9666% | 1,812 |
| Net loans and leases to total assets | 78.2337% | 2,075 |
| Net loans and leases to deposits | 103.7520% | 1,367 |
| Net loans and leases to core deposits | 130.6058% | 1,813 |
| Total domestic deposits to total assets | 75.4045% | 6,367 |
| Equity capital to assets | 6.8960% | 7,779 |
| Core capital (leverage) ratio | 7.9922% | 6,508 |
| Tier 1 risk-based capital ratio | 8.8318% | 7,885 |
| Total risk-based capital ratio | 10.0858% | 7,926 |
| Memoranda: | ||
| Average total assets | $3,924,361,200 | 214 |
| Average earning assets | $3,698,426,400 | 206 |
| Average equity | $316,483,400 | 259 |
| Average total loans | $3,085,958,000 | 196 |