Home > Westamerica Bank > Performance and Condition Ratios
Westamerica Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 4,075 |
| Cost of funding earning assets | 0.2486% | 4,350 |
| Net interest margin | 4.0456% | 1,192 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 1.7021% | 4,028 |
| Loan and lease loss provision to assets | -0.0400% | 4,250 |
| Net operating income to assets | 2.0555% | 423 |
| Return on assets (ROA) | 2.0555% | 425 |
| Pretax return on assets | 2.7716% | 236 |
| Return on Equity (ROE) | 20.4200% | 417 |
| Retained earnings to average equity (ytd only) | -6.3486% | 4,146 |
| Net charge-offs to loans | 0.1589% | 621 |
| Credit loss provision to net charge-offs | -174.0506% | 4,392 |
| Earnings coverage of net charge-offs (x) | 129.4747% | 590 |
| Efficiency ratio | 38.2823% | 4,312 |
| Assets per employee ($millions) | 10.0338% | 786 |
| Cash dividends to net income (ytd only)* | 131.0862% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 531 |
| Loan loss allowance to noncurrent loans | 5,023.1047% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,741 |
| Noncurrent loans to loans | 0.0359% | 3,511 |
| Net loans and leases to total assets | 12.7700% | 4,322 |
| Net loans and leases to deposits | 15.5208% | 4,337 |
| Net loans and leases to core deposits | 15.5496% | 4,314 |
| Total domestic deposits to total assets | 82.2600% | 3,256 |
| Equity capital to assets | 10.3401% | 2,017 |
| Core capital (leverage) ratio | 10.3445% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1642% | 1,224 |
| Memoranda: | ||
| Average total assets | $5,984,036,000 | 257 |
| Average earning assets | $5,523,181,500 | 245 |
| Average equity | $602,275,000 | 260 |
| Average total loans | $795,665,000 | 916 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 3,677 |
| Cost of funding earning assets | 0.3048% | 4,353 |
| Net interest margin | 4.3418% | 785 |
| Noninterest income to average assets | 0.6800% | 1,240 |
| Noninterest expense to average assets | 1.7233% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.1780% | 302 |
| Return on assets (ROA) | 2.1780% | 306 |
| Pretax return on assets | 2.9637% | 194 |
| Return on Equity (ROE) | 22.9500% | 257 |
| Retained earnings to average equity (ytd only) | -1.5766% | 4,136 |
| Net charge-offs to loans | 0.2843% | 529 |
| Credit loss provision to net charge-offs | 12.5681% | 2,495 |
| Earnings coverage of net charge-offs (x) | 77.5170% | 950 |
| Efficiency ratio | 36.6537% | 4,363 |
| Assets per employee ($millions) | 10.2514% | 713 |
| Cash dividends to net income (ytd only)* | 106.8705% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 530 |
| Loan loss allowance to noncurrent loans | 2,010.8844% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,661 |
| Noncurrent loans to loans | 0.0896% | 3,193 |
| Net loans and leases to total assets | 13.3400% | 4,345 |
| Net loans and leases to deposits | 16.0637% | 4,355 |
| Net loans and leases to core deposits | 16.0935% | 4,333 |
| Total domestic deposits to total assets | 83.0500% | 3,019 |
| Equity capital to assets | 9.7943% | 2,251 |
| Core capital (leverage) ratio | 10.4062% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8356% | 1,301 |
| Memoranda: | ||
| Average total assets | $6,233,118,600 | 244 |
| Average earning assets | $5,752,489,600 | 234 |
| Average equity | $591,606,600 | 248 |
| Average total loans | $839,477,600 | 867 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 3,464 |
| Cost of funding earning assets | 0.2859% | 4,407 |
| Net interest margin | 4.4189% | 693 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 1.7010% | 4,087 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 2.2377% | 321 |
| Return on assets (ROA) | 2.2377% | 317 |
| Pretax return on assets | 3.0347% | 199 |
| Return on Equity (ROE) | 24.6600% | 234 |
| Retained earnings to average equity (ytd only) | 0.4600% | 3,732 |
| Net charge-offs to loans | 0.2867% | 384 |
| Credit loss provision to net charge-offs | 24.6914% | 1,929 |
| Earnings coverage of net charge-offs (x) | 79.3613% | 887 |
| Efficiency ratio | 35.7709% | 4,421 |
| Assets per employee ($millions) | 11.0339% | 536 |
| Cash dividends to net income (ytd only)* | 98.1348% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 457 |
| Loan loss allowance to noncurrent loans | 1,028.4977% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,565 |
| Noncurrent loans to loans | 0.1865% | 2,763 |
| Net loans and leases to total assets | 13.0200% | 4,399 |
| Net loans and leases to deposits | 15.8907% | 4,411 |
| Net loans and leases to core deposits | 15.9203% | 4,387 |
| Total domestic deposits to total assets | 81.9200% | 3,100 |
| Equity capital to assets | 9.1401% | 2,646 |
| Core capital (leverage) ratio | 10.0808% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6192% | 1,366 |
| Memoranda: | ||
| Average total assets | $6,334,921,667 | 235 |
| Average earning assets | $5,843,727,667 | 228 |
| Average equity | $574,741,000 | 252 |
| Average total loans | $847,707,000 | 862 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 3,410 |
| Cost of funding earning assets | 0.2056% | 4,445 |
| Net interest margin | 4.4588% | 612 |
| Noninterest income to average assets | 0.6500% | 1,194 |
| Noninterest expense to average assets | 1.6955% | 4,109 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 2.2537% | 321 |
| Return on assets (ROA) | 2.2537% | 325 |
| Pretax return on assets | 3.0569% | 211 |
| Return on Equity (ROE) | 24.9300% | 233 |
| Retained earnings to average equity (ytd only) | 0.6184% | 3,573 |
| Net charge-offs to loans | 0.6021% | 160 |
| Credit loss provision to net charge-offs | 23.2919% | 1,512 |
| Earnings coverage of net charge-offs (x) | 38.0210% | 1,083 |
| Efficiency ratio | 35.4615% | 4,421 |
| Assets per employee ($millions) | 10.9324% | 557 |
| Cash dividends to net income (ytd only)* | 97.5197% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 476 |
| Loan loss allowance to noncurrent loans | 1,070.7350% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,589 |
| Noncurrent loans to loans | 0.1756% | 2,742 |
| Net loans and leases to total assets | 12.9100% | 4,423 |
| Net loans and leases to deposits | 15.4683% | 4,424 |
| Net loans and leases to core deposits | 15.4959% | 4,450 |
| Total domestic deposits to total assets | 83.4900% | 2,866 |
| Equity capital to assets | 8.9266% | 2,730 |
| Core capital (leverage) ratio | 10.1102% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3916% | 1,430 |
| Memoranda: | ||
| Average total assets | $6,368,741,500 | 237 |
| Average earning assets | $5,880,356,000 | 231 |
| Average equity | $575,692,500 | 256 |
| Average total loans | $855,639,500 | 860 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 2,747 |
| Cost of funding earning assets | 0.0650% | 4,496 |
| Net interest margin | 4.6031% | 523 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 1.6333% | 4,214 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 2.4140% | 264 |
| Return on assets (ROA) | 2.4125% | 259 |
| Pretax return on assets | 3.3022% | 165 |
| Return on Equity (ROE) | 30.9400% | 168 |
| Retained earnings to average equity (ytd only) | 9.3817% | 1,161 |
| Net charge-offs to loans | 0.2481% | 430 |
| Credit loss provision to net charge-offs | -50.7278% | 4,460 |
| Earnings coverage of net charge-offs (x) | 95.5386% | 923 |
| Efficiency ratio | 33.1246% | 4,473 |
| Assets per employee ($millions) | 10.2433% | 653 |
| Cash dividends to net income (ytd only)* | 69.6744% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 418 |
| Loan loss allowance to noncurrent loans | 2,132.3641% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,683 |
| Noncurrent loans to loans | 0.0913% | 3,087 |
| Net loans and leases to total assets | 13.4400% | 4,435 |
| Net loans and leases to deposits | 15.5159% | 4,440 |
| Net loans and leases to core deposits | 15.5431% | 4,464 |
| Total domestic deposits to total assets | 86.6500% | 1,802 |
| Equity capital to assets | 9.1538% | 2,574 |
| Core capital (leverage) ratio | 9.8800% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9833% | 1,535 |
| Memoranda: | ||
| Average total assets | $6,589,920,200 | 222 |
| Average earning assets | $6,070,613,200 | 218 |
| Average equity | $513,896,600 | 257 |
| Average total loans | $913,830,200 | 783 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,633 |
| Cost of funding earning assets | 0.0489% | 4,524 |
| Net interest margin | 4.5712% | 556 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 1.6180% | 4,220 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 2.4143% | 289 |
| Return on assets (ROA) | 2.4123% | 285 |
| Pretax return on assets | 3.2844% | 187 |
| Return on Equity (ROE) | 32.2700% | 188 |
| Retained earnings to average equity (ytd only) | 13.3599% | 764 |
| Net charge-offs to loans | 0.2002% | 441 |
| Credit loss provision to net charge-offs | -82.7338% | 4,520 |
| Earnings coverage of net charge-offs (x) | 117.2453% | 852 |
| Efficiency ratio | 33.0694% | 4,489 |
| Assets per employee ($millions) | 10.0618% | 652 |
| Cash dividends to net income (ytd only)* | 58.5936% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 384 |
| Loan loss allowance to noncurrent loans | 1,433.2795% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,641 |
| Noncurrent loans to loans | 0.1398% | 2,852 |
| Net loans and leases to total assets | 13.3100% | 4,466 |
| Net loans and leases to deposits | 15.2255% | 4,470 |
| Net loans and leases to core deposits | 15.2566% | 4,458 |
| Total domestic deposits to total assets | 87.4500% | 1,758 |
| Equity capital to assets | 7.4350% | 3,395 |
| Core capital (leverage) ratio | 9.6333% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1165% | 1,528 |
| Memoranda: | ||
| Average total assets | $6,657,364,750 | 222 |
| Average earning assets | $6,132,581,750 | 220 |
| Average equity | $497,737,000 | 265 |
| Average total loans | $925,637,250 | 776 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 2,604 |
| Cost of funding earning assets | 0.0355% | 4,555 |
| Net interest margin | 4.4817% | 626 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 1.6060% | 4,254 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 2.3805% | 276 |
| Return on assets (ROA) | 2.3776% | 273 |
| Pretax return on assets | 3.2297% | 174 |
| Return on Equity (ROE) | 31.7400% | 187 |
| Retained earnings to average equity (ytd only) | 17.6481% | 359 |
| Net charge-offs to loans | 0.0541% | 981 |
| Credit loss provision to net charge-offs | -610.2362% | 4,607 |
| Earnings coverage of net charge-offs (x) | 420.5512% | 345 |
| Efficiency ratio | 33.4311% | 4,511 |
| Assets per employee ($millions) | 11.0263% | 510 |
| Cash dividends to net income (ytd only)* | 44.4043% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 409 |
| Loan loss allowance to noncurrent loans | 2,166.4713% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,715 |
| Noncurrent loans to loans | 0.0928% | 3,038 |
| Net loans and leases to total assets | 13.7800% | 4,491 |
| Net loans and leases to deposits | 15.7823% | 4,494 |
| Net loans and leases to core deposits | 15.8339% | 4,485 |
| Total domestic deposits to total assets | 87.3200% | 1,827 |
| Equity capital to assets | 7.8436% | 3,318 |
| Core capital (leverage) ratio | 9.5230% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6828% | 1,657 |
| Memoranda: | ||
| Average total assets | $6,703,127,667 | 216 |
| Average earning assets | $6,190,055,333 | 212 |
| Average equity | $502,059,333 | 258 |
| Average total loans | $938,899,667 | 754 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,480 |
| Cost of funding earning assets | 0.0309% | 4,599 |
| Net interest margin | 4.3946% | 688 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 1.5950% | 4,310 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 2.3566% | 295 |
| Return on assets (ROA) | 2.3566% | 295 |
| Pretax return on assets | 3.2016% | 174 |
| Return on Equity (ROE) | 32.2000% | 194 |
| Retained earnings to average equity (ytd only) | 32.0406% | 98 |
| Net charge-offs to loans | -0.3268% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 33.8236% | 4,572 |
| Assets per employee ($millions) | 10.7265% | 561 |
| Cash dividends to net income (ytd only)* | 0.4828% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0785% | 390 |
| Loan loss allowance to noncurrent loans | 2,485.2229% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,743 |
| Noncurrent loans to loans | 0.0836% | 3,143 |
| Net loans and leases to total assets | 13.8000% | 4,559 |
| Net loans and leases to deposits | 15.5717% | 4,560 |
| Net loans and leases to core deposits | 15.6275% | 4,554 |
| Total domestic deposits to total assets | 88.6100% | 1,697 |
| Equity capital to assets | 7.9387% | 3,279 |
| Core capital (leverage) ratio | 9.1134% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1787% | 1,916 |
| Memoranda: | ||
| Average total assets | $6,785,394,000 | 219 |
| Average earning assets | $6,279,379,500 | 214 |
| Average equity | $496,657,000 | 266 |
| Average total loans | $948,558,000 | 759 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 3,601 |
| Cost of funding earning assets | 0.0294% | 4,611 |
| Net interest margin | 3.2629% | 2,666 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 1.4328% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6697% | 582 |
| Return on assets (ROA) | 1.6697% | 552 |
| Pretax return on assets | 2.2638% | 282 |
| Return on Equity (ROE) | 22.6100% | 297 |
| Retained earnings to average equity (ytd only) | 9.3630% | 1,373 |
| Net charge-offs to loans | 0.3231% | 235 |
| Credit loss provision to net charge-offs | 0.1854% | 1,978 |
| Earnings coverage of net charge-offs (x) | 50.2460% | 1,359 |
| Efficiency ratio | 38.6650% | 4,566 |
| Assets per employee ($millions) | 12.1648% | 372 |
| Cash dividends to net income (ytd only)* | 58.5939% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 354 |
| Loan loss allowance to noncurrent loans | 2,620.6718% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,777 |
| Noncurrent loans to loans | 0.0808% | 3,179 |
| Net loans and leases to total assets | 13.5800% | 4,594 |
| Net loans and leases to deposits | 15.0657% | 4,594 |
| Net loans and leases to core deposits | 15.1193% | 4,586 |
| Total domestic deposits to total assets | 90.1300% | 1,303 |
| Equity capital to assets | 6.7225% | 3,803 |
| Core capital (leverage) ratio | 8.2555% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9268% | 2,404 |
| Memoranda: | ||
| Average total assets | $7,182,449,200 | 208 |
| Average earning assets | $6,719,354,400 | 201 |
| Average equity | $530,334,400 | 258 |
| Average total loans | $1,001,585,800 | 678 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9816% | 3,915 |
| Cost of funding earning assets | 0.0291% | 4,639 |
| Net interest margin | 2.9526% | 3,356 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 1.4086% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4959% | 865 |
| Return on assets (ROA) | 1.4959% | 843 |
| Pretax return on assets | 2.0154% | 451 |
| Return on Equity (ROE) | 19.8400% | 448 |
| Retained earnings to average equity (ytd only) | 2.7493% | 3,848 |
| Net charge-offs to loans | 0.3024% | 217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 47.7356% | 1,309 |
| Efficiency ratio | 41.0367% | 4,550 |
| Assets per employee ($millions) | 12.6562% | 331 |
| Cash dividends to net income (ytd only)* | 86.1396% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1672% | 367 |
| Loan loss allowance to noncurrent loans | 2,196.4803% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,832 |
| Noncurrent loans to loans | 0.0987% | 3,171 |
| Net loans and leases to total assets | 13.4200% | 4,630 |
| Net loans and leases to deposits | 14.7415% | 4,637 |
| Net loans and leases to core deposits | 14.7930% | 4,627 |
| Total domestic deposits to total assets | 91.0200% | 1,235 |
| Equity capital to assets | 5.4836% | 4,135 |
| Core capital (leverage) ratio | 7.5646% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8145% | 2,870 |
| Memoranda: | ||
| Average total assets | $7,250,659,250 | 208 |
| Average earning assets | $6,804,747,750 | 197 |
| Average equity | $546,793,000 | 256 |
| Average total loans | $1,012,360,250 | 674 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6593% | 4,201 |
| Cost of funding earning assets | 0.0286% | 4,696 |
| Net interest margin | 2.6307% | 3,851 |
| Noninterest income to average assets | 0.6424% | 1,577 |
| Noninterest expense to average assets | 1.4009% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2897% | 1,164 |
| Return on assets (ROA) | 1.2897% | 1,147 |
| Pretax return on assets | 1.7254% | 705 |
| Return on Equity (ROE) | 15.7028% | 755 |
| Retained earnings to average equity (ytd only) | 1.8778% | 3,786 |
| Net charge-offs to loans | 0.2347% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 52.3522% | 1,142 |
| Efficiency ratio | 44.6983% | 4,504 |
| Assets per employee ($millions) | 12.6649% | 314 |
| Cash dividends to net income (ytd only)* | 88.0418% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2318% | 364 |
| Loan loss allowance to noncurrent loans | 2,591.5215% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,908 |
| Noncurrent loans to loans | 0.0861% | 3,347 |
| Net loans and leases to total assets | 13.6117% | 4,691 |
| Net loans and leases to deposits | 15.2297% | 4,697 |
| Net loans and leases to core deposits | 15.2881% | 4,693 |
| Total domestic deposits to total assets | 89.3760% | 2,009 |
| Equity capital to assets | 6.8033% | 3,872 |
| Core capital (leverage) ratio | 7.5407% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7018% | 2,609 |
| Memoranda: | ||
| Average total assets | $7,288,181,333 | 206 |
| Average earning assets | $6,881,485,000 | 193 |
| Average equity | $598,581,333 | 237 |
| Average total loans | $1,023,469,333 | 660 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5079% | 4,260 |
| Cost of funding earning assets | 0.0282% | 4,714 |
| Net interest margin | 2.4798% | 3,940 |
| Noninterest income to average assets | 0.6462% | 1,507 |
| Noninterest expense to average assets | 1.3984% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2053% | 1,235 |
| Return on assets (ROA) | 1.2053% | 1,224 |
| Pretax return on assets | 1.5983% | 831 |
| Return on Equity (ROE) | 13.5386% | 926 |
| Retained earnings to average equity (ytd only) | 2.4082% | 3,432 |
| Net charge-offs to loans | 0.2276% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 49.8048% | 929 |
| Efficiency ratio | 46.5492% | 4,471 |
| Assets per employee ($millions) | 11.8472% | 412 |
| Cash dividends to net income (ytd only)* | 82.2123% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2868% | 380 |
| Loan loss allowance to noncurrent loans | 2,505.4645% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,938 |
| Noncurrent loans to loans | 0.0913% | 3,384 |
| Net loans and leases to total assets | 13.4887% | 4,721 |
| Net loans and leases to deposits | 15.2853% | 4,722 |
| Net loans and leases to core deposits | 15.3430% | 4,718 |
| Total domestic deposits to total assets | 88.2459% | 2,414 |
| Equity capital to assets | 8.0771% | 3,509 |
| Core capital (leverage) ratio | 7.5288% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1453% | 2,554 |
| Memoranda: | ||
| Average total assets | $7,341,773,500 | 201 |
| Average earning assets | $6,958,872,500 | 193 |
| Average equity | $653,599,500 | 227 |
| Average total loans | $1,035,320,000 | 639 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5688% | 4,431 |
| Cost of funding earning assets | 0.0297% | 4,760 |
| Net interest margin | 2.5391% | 4,137 |
| Noninterest income to average assets | 0.6232% | 2,059 |
| Noninterest expense to average assets | 1.4234% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1894% | 1,955 |
| Return on assets (ROA) | 1.1898% | 2,018 |
| Pretax return on assets | 1.6109% | 1,398 |
| Return on Equity (ROE) | 11.7565% | 1,896 |
| Retained earnings to average equity (ytd only) | 7.6778% | 1,664 |
| Net charge-offs to loans | 0.0288% | 1,664 |
| Credit loss provision to net charge-offs | 0.5848% | 2,328 |
| Earnings coverage of net charge-offs (x) | 334.0117% | 374 |
| Efficiency ratio | 46.7915% | 4,465 |
| Assets per employee ($millions) | 12.1859% | 379 |
| Cash dividends to net income (ytd only)* | 34.6932% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2014% | 450 |
| Loan loss allowance to noncurrent loans | 2,280.6984% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,996 |
| Noncurrent loans to loans | 0.0965% | 3,445 |
| Net loans and leases to total assets | 14.0760% | 4,760 |
| Net loans and leases to deposits | 16.2818% | 4,764 |
| Net loans and leases to core deposits | 16.3415% | 4,759 |
| Total domestic deposits to total assets | 86.4521% | 2,733 |
| Equity capital to assets | 9.7102% | 2,934 |
| Core capital (leverage) ratio | 7.5486% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1695% | 2,573 |
| Memoranda: | ||
| Average total assets | $7,093,190,000 | 204 |
| Average earning assets | $6,734,009,000 | 197 |
| Average equity | $717,846,800 | 210 |
| Average total loans | $1,189,086,200 | 564 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6073% | 4,495 |
| Cost of funding earning assets | 0.0298% | 4,843 |
| Net interest margin | 2.5775% | 4,164 |
| Noninterest income to average assets | 0.6295% | 2,101 |
| Noninterest expense to average assets | 1.4389% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2104% | 2,134 |
| Return on assets (ROA) | 1.2109% | 2,188 |
| Pretax return on assets | 1.6365% | 1,591 |
| Return on Equity (ROE) | 11.8381% | 2,102 |
| Retained earnings to average equity (ytd only) | 7.3609% | 2,286 |
| Net charge-offs to loans | -0.0028% | 3,286 |
| Credit loss provision to net charge-offs | -7.6923% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6704% | 4,463 |
| Assets per employee ($millions) | 11.8001% | 392 |
| Cash dividends to net income (ytd only)* | 37.8202% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 526 |
| Loan loss allowance to noncurrent loans | 1,346.2232% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,017 |
| Noncurrent loans to loans | 0.1566% | 3,343 |
| Net loans and leases to total assets | 15.0556% | 4,829 |
| Net loans and leases to deposits | 17.6207% | 4,831 |
| Net loans and leases to core deposits | 17.6897% | 4,830 |
| Total domestic deposits to total assets | 85.4430% | 2,967 |
| Equity capital to assets | 9.8694% | 3,025 |
| Core capital (leverage) ratio | 7.5158% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0808% | 2,683 |
| Memoranda: | ||
| Average total assets | $7,011,178,750 | 205 |
| Average earning assets | $6,651,656,750 | 198 |
| Average equity | $717,155,000 | 212 |
| Average total loans | $1,219,326,250 | 568 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6458% | 4,508 |
| Cost of funding earning assets | 0.0301% | 4,880 |
| Net interest margin | 2.6157% | 4,138 |
| Noninterest income to average assets | 0.6259% | 2,101 |
| Noninterest expense to average assets | 1.4614% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2165% | 2,125 |
| Return on assets (ROA) | 1.2173% | 2,200 |
| Pretax return on assets | 1.6428% | 1,630 |
| Return on Equity (ROE) | 11.7537% | 2,149 |
| Retained earnings to average equity (ytd only) | 6.4616% | 2,634 |
| Net charge-offs to loans | 0.0187% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 483.6838% | 271 |
| Efficiency ratio | 46.9658% | 4,465 |
| Assets per employee ($millions) | 11.0160% | 453 |
| Cash dividends to net income (ytd only)* | 45.0249% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 618 |
| Loan loss allowance to noncurrent loans | 541.5697% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,818 |
| Noncurrent loans to loans | 0.3668% | 2,589 |
| Net loans and leases to total assets | 16.4820% | 4,858 |
| Net loans and leases to deposits | 19.2657% | 4,861 |
| Net loans and leases to core deposits | 19.3496% | 4,860 |
| Total domestic deposits to total assets | 85.5510% | 2,891 |
| Equity capital to assets | 10.2153% | 2,654 |
| Core capital (leverage) ratio | 7.4424% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0855% | 2,690 |
| Memoranda: | ||
| Average total assets | $6,893,807,333 | 210 |
| Average earning assets | $6,528,991,000 | 202 |
| Average equity | $713,969,000 | 210 |
| Average total loans | $1,248,277,667 | 551 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6338% | 4,541 |
| Cost of funding earning assets | 0.0303% | 4,917 |
| Net interest margin | 2.6036% | 4,142 |
| Noninterest income to average assets | 0.6077% | 2,173 |
| Noninterest expense to average assets | 1.4953% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1666% | 2,274 |
| Return on assets (ROA) | 1.1666% | 2,345 |
| Pretax return on assets | 1.5708% | 1,799 |
| Return on Equity (ROE) | 11.1847% | 2,309 |
| Retained earnings to average equity (ytd only) | 0.6214% | 4,282 |
| Net charge-offs to loans | 0.1164% | 608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 71.8518% | 747 |
| Efficiency ratio | 48.6364% | 4,293 |
| Assets per employee ($millions) | 10.3892% | 529 |
| Cash dividends to net income (ytd only)* | 94.4439% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 849 |
| Loan loss allowance to noncurrent loans | 572.3373% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,952 |
| Noncurrent loans to loans | 0.3171% | 2,963 |
| Net loans and leases to total assets | 18.4976% | 4,872 |
| Net loans and leases to deposits | 21.4357% | 4,873 |
| Net loans and leases to core deposits | 21.5313% | 4,873 |
| Total domestic deposits to total assets | 86.2936% | 2,626 |
| Equity capital to assets | 9.9871% | 2,722 |
| Core capital (leverage) ratio | 7.5092% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7246% | 2,400 |
| Memoranda: | ||
| Average total assets | $6,788,062,000 | 211 |
| Average earning assets | $6,409,809,000 | 203 |
| Average equity | $708,041,500 | 210 |
| Average total loans | $1,274,999,500 | 547 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8621% | 4,724 |
| Cost of funding earning assets | 0.0325% | 4,960 |
| Net interest margin | 2.8296% | 4,212 |
| Noninterest income to average assets | 0.7445% | 1,707 |
| Noninterest expense to average assets | 1.6318% | 4,681 |
| Loan and lease loss provision to assets | 0.0697% | 3,509 |
| Net operating income to assets | 1.2754% | 1,318 |
| Return on assets (ROA) | 1.2763% | 1,416 |
| Pretax return on assets | 1.6970% | 859 |
| Return on Equity (ROE) | 12.0857% | 1,299 |
| Retained earnings to average equity (ytd only) | 10.4295% | 509 |
| Net charge-offs to loans | 0.1594% | 1,025 |
| Credit loss provision to net charge-offs | 220.4197% | 2,067 |
| Earnings coverage of net charge-offs (x) | 55.7068% | 1,111 |
| Efficiency ratio | 47.8940% | 4,637 |
| Assets per employee ($millions) | 9.8083% | 563 |
| Cash dividends to net income (ytd only)* | 13.7038% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 728 |
| Loan loss allowance to noncurrent loans | 499.1421% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,982 |
| Noncurrent loans to loans | 0.3804% | 2,842 |
| Net loans and leases to total assets | 18.3695% | 4,897 |
| Net loans and leases to deposits | 21.6588% | 4,897 |
| Net loans and leases to core deposits | 21.7630% | 4,900 |
| Total domestic deposits to total assets | 84.8131% | 2,831 |
| Equity capital to assets | 10.8848% | 2,355 |
| Core capital (leverage) ratio | 7.5826% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8100% | 2,312 |
| Memoranda: | ||
| Average total assets | $6,165,099,200 | 214 |
| Average earning assets | $5,780,284,400 | 205 |
| Average equity | $651,065,200 | 218 |
| Average total loans | $1,226,103,600 | 538 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 4,794 |
| Cost of funding earning assets | 0.0328% | 4,999 |
| Net interest margin | 2.8635% | 4,243 |
| Noninterest income to average assets | 0.7027% | 1,794 |
| Noninterest expense to average assets | 1.6194% | 4,716 |
| Loan and lease loss provision to assets | 0.0951% | 3,131 |
| Net operating income to assets | 1.2594% | 1,451 |
| Return on assets (ROA) | 1.2607% | 1,565 |
| Pretax return on assets | 1.6700% | 1,029 |
| Return on Equity (ROE) | 12.0404% | 1,358 |
| Retained earnings to average equity (ytd only) | 11.9173% | 435 |
| Net charge-offs to loans | 0.1815% | 824 |
| Credit loss provision to net charge-offs | 259.1923% | 1,900 |
| Earnings coverage of net charge-offs (x) | 48.0675% | 1,222 |
| Efficiency ratio | 47.7287% | 4,624 |
| Assets per employee ($millions) | 9.5144% | 598 |
| Cash dividends to net income (ytd only)* | 1.0227% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 666 |
| Loan loss allowance to noncurrent loans | 509.3249% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,065 |
| Noncurrent loans to loans | 0.3618% | 2,987 |
| Net loans and leases to total assets | 19.7298% | 4,929 |
| Net loans and leases to deposits | 23.2042% | 4,932 |
| Net loans and leases to core deposits | 23.3188% | 4,936 |
| Total domestic deposits to total assets | 85.0269% | 2,423 |
| Equity capital to assets | 10.8629% | 2,510 |
| Core capital (leverage) ratio | 7.5704% | 4,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6467% | 2,745 |
| Memoranda: | ||
| Average total assets | $6,029,150,250 | 215 |
| Average earning assets | $5,643,194,750 | 210 |
| Average equity | $631,269,750 | 221 |
| Average total loans | $1,218,568,750 | 536 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9720% | 4,856 |
| Cost of funding earning assets | 0.0332% | 5,036 |
| Net interest margin | 2.9388% | 4,245 |
| Noninterest income to average assets | 0.7240% | 1,656 |
| Noninterest expense to average assets | 1.6607% | 4,722 |
| Loan and lease loss provision to assets | 0.1466% | 2,545 |
| Net operating income to assets | 1.2567% | 1,472 |
| Return on assets (ROA) | 1.2586% | 1,585 |
| Pretax return on assets | 1.6607% | 1,074 |
| Return on Equity (ROE) | 12.1902% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.0621% | 456 |
| Net charge-offs to loans | 0.2141% | 724 |
| Credit loss provision to net charge-offs | 338.0503% | 1,538 |
| Earnings coverage of net charge-offs (x) | 41.6195% | 1,221 |
| Efficiency ratio | 47.7767% | 4,643 |
| Assets per employee ($millions) | 9.0273% | 676 |
| Cash dividends to net income (ytd only)* | 1.0510% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8634% | 573 |
| Loan loss allowance to noncurrent loans | 542.3170% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,173 |
| Noncurrent loans to loans | 0.3436% | 3,166 |
| Net loans and leases to total assets | 20.1270% | 4,957 |
| Net loans and leases to deposits | 23.6139% | 4,966 |
| Net loans and leases to core deposits | 23.7265% | 4,966 |
| Total domestic deposits to total assets | 85.2335% | 2,293 |
| Equity capital to assets | 10.5664% | 2,696 |
| Core capital (leverage) ratio | 7.6902% | 4,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8589% | 3,003 |
| Memoranda: | ||
| Average total assets | $5,866,406,333 | 216 |
| Average earning assets | $5,472,635,667 | 215 |
| Average equity | $605,700,000 | 227 |
| Average total loans | $1,188,088,667 | 535 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 4,925 |
| Cost of funding earning assets | 0.0353% | 5,086 |
| Net interest margin | 3.0311% | 4,228 |
| Noninterest income to average assets | 0.8366% | 1,204 |
| Noninterest expense to average assets | 1.7476% | 4,726 |
| Loan and lease loss provision to assets | 0.3077% | 1,008 |
| Net operating income to assets | 1.2211% | 1,451 |
| Return on assets (ROA) | 1.2211% | 1,560 |
| Pretax return on assets | 1.6025% | 1,046 |
| Return on Equity (ROE) | 11.9876% | 1,109 |
| Retained earnings to average equity (ytd only) | 11.8514% | 439 |
| Net charge-offs to loans | 0.3548% | 400 |
| Credit loss provision to net charge-offs | 431.2939% | 957 |
| Earnings coverage of net charge-offs (x) | 26.7763% | 1,245 |
| Efficiency ratio | 47.6360% | 4,773 |
| Assets per employee ($millions) | 7.9061% | 764 |
| Cash dividends to net income (ytd only)* | 1.1368% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2122% | 367 |
| Loan loss allowance to noncurrent loans | 547.5497% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 4,196 |
| Noncurrent loans to loans | 0.4040% | 3,044 |
| Net loans and leases to total assets | 19.6436% | 5,011 |
| Net loans and leases to deposits | 22.8314% | 5,020 |
| Net loans and leases to core deposits | 22.9536% | 5,019 |
| Total domestic deposits to total assets | 86.0373% | 1,986 |
| Equity capital to assets | 10.1220% | 3,675 |
| Core capital (leverage) ratio | 7.8959% | 4,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2841% | 3,015 |
| Memoranda: | ||
| Average total assets | $5,590,405,000 | 216 |
| Average earning assets | $5,203,332,000 | 216 |
| Average equity | $569,453,000 | 241 |
| Average total loans | $1,123,953,500 | 540 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 5,035 |
| Cost of funding earning assets | 0.0378% | 5,149 |
| Net interest margin | 3.0441% | 4,463 |
| Noninterest income to average assets | 0.8559% | 1,285 |
| Noninterest expense to average assets | 1.7482% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4682% | 1,129 |
| Return on assets (ROA) | 1.4713% | 1,188 |
| Pretax return on assets | 1.9303% | 695 |
| Return on Equity (ROE) | 14.8879% | 708 |
| Retained earnings to average equity (ytd only) | 0.2847% | 4,610 |
| Net charge-offs to loans | 0.1600% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 57.2432% | 1,013 |
| Efficiency ratio | 47.3124% | 4,862 |
| Assets per employee ($millions) | 7.9084% | 740 |
| Cash dividends to net income (ytd only)* | 98.0877% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 749 |
| Loan loss allowance to noncurrent loans | 399.2623% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 4,199 |
| Noncurrent loans to loans | 0.4331% | 2,895 |
| Net loans and leases to total assets | 19.7741% | 5,078 |
| Net loans and leases to deposits | 22.9921% | 5,084 |
| Net loans and leases to core deposits | 23.1174% | 5,087 |
| Total domestic deposits to total assets | 86.0040% | 2,065 |
| Equity capital to assets | 10.2503% | 3,679 |
| Core capital (leverage) ratio | 7.5984% | 5,092 |
| Tier 1 risk-based capital ratio | 11.7975% | 4,474 |
| Total risk-based capital ratio | 12.5820% | 4,599 |
| Memoranda: | ||
| Average total assets | $5,547,925,200 | 208 |
| Average earning assets | $5,137,001,800 | 205 |
| Average equity | $548,285,400 | 232 |
| Average total loans | $1,166,730,200 | 504 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0879% | 5,131 |
| Cost of funding earning assets | 0.0384% | 5,227 |
| Net interest margin | 3.0495% | 4,558 |
| Noninterest income to average assets | 0.8635% | 1,232 |
| Noninterest expense to average assets | 1.7592% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4629% | 1,296 |
| Return on assets (ROA) | 1.4639% | 1,347 |
| Pretax return on assets | 1.9255% | 815 |
| Return on Equity (ROE) | 14.9529% | 784 |
| Retained earnings to average equity (ytd only) | -1.0091% | 4,859 |
| Net charge-offs to loans | 0.1726% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 52.4543% | 1,149 |
| Efficiency ratio | 47.4542% | 4,880 |
| Assets per employee ($millions) | 7.6566% | 789 |
| Cash dividends to net income (ytd only)* | 106.7483% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 743 |
| Loan loss allowance to noncurrent loans | 426.0421% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 4,299 |
| Noncurrent loans to loans | 0.4107% | 3,077 |
| Net loans and leases to total assets | 19.9202% | 5,159 |
| Net loans and leases to deposits | 23.1991% | 5,162 |
| Net loans and leases to core deposits | 23.3296% | 5,166 |
| Total domestic deposits to total assets | 85.8662% | 2,050 |
| Equity capital to assets | 10.0669% | 3,949 |
| Core capital (leverage) ratio | 7.5965% | 5,181 |
| Tier 1 risk-based capital ratio | 12.1435% | 4,342 |
| Total risk-based capital ratio | 12.9769% | 4,454 |
| Memoranda: | ||
| Average total assets | $5,535,122,250 | 211 |
| Average earning assets | $5,118,520,000 | 206 |
| Average equity | $541,874,000 | 236 |
| Average total loans | $1,176,746,750 | 500 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0971% | 5,185 |
| Cost of funding earning assets | 0.0394% | 5,272 |
| Net interest margin | 3.0578% | 4,602 |
| Noninterest income to average assets | 0.8688% | 1,160 |
| Noninterest expense to average assets | 1.7839% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4563% | 1,279 |
| Return on assets (ROA) | 1.4577% | 1,329 |
| Pretax return on assets | 1.9118% | 819 |
| Return on Equity (ROE) | 15.0342% | 749 |
| Retained earnings to average equity (ytd only) | 0.1989% | 4,640 |
| Net charge-offs to loans | 0.2072% | 799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 42.6969% | 1,200 |
| Efficiency ratio | 47.9116% | 4,905 |
| Assets per employee ($millions) | 7.6083% | 771 |
| Cash dividends to net income (ytd only)* | 98.6770% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 770 |
| Loan loss allowance to noncurrent loans | 491.1377% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,384 |
| Noncurrent loans to loans | 0.3526% | 3,287 |
| Net loans and leases to total assets | 20.7820% | 5,200 |
| Net loans and leases to deposits | 24.1184% | 5,206 |
| Net loans and leases to core deposits | 24.2593% | 5,205 |
| Total domestic deposits to total assets | 86.1663% | 1,947 |
| Equity capital to assets | 10.1940% | 3,797 |
| Core capital (leverage) ratio | 7.6945% | 5,213 |
| Tier 1 risk-based capital ratio | 13.0466% | 3,815 |
| Total risk-based capital ratio | 13.9412% | 3,916 |
| Memoranda: | ||
| Average total assets | $5,517,060,000 | 212 |
| Average earning assets | $5,097,404,000 | 208 |
| Average equity | $534,941,330 | 239 |
| Average total loans | $1,191,252,670 | 498 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 5,245 |
| Cost of funding earning assets | 0.0395% | 5,334 |
| Net interest margin | 3.0451% | 4,683 |
| Noninterest income to average assets | 0.8414% | 1,186 |
| Noninterest expense to average assets | 1.7571% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4560% | 1,213 |
| Return on assets (ROA) | 1.4573% | 1,239 |
| Pretax return on assets | 1.8997% | 798 |
| Return on Equity (ROE) | 15.4235% | 676 |
| Retained earnings to average equity (ytd only) | 0.5015% | 4,433 |
| Net charge-offs to loans | 0.2899% | 511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 30.0172% | 1,334 |
| Efficiency ratio | 47.4596% | 4,965 |
| Assets per employee ($millions) | 7.5554% | 797 |
| Cash dividends to net income (ytd only)* | 96.7484% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 860 |
| Loan loss allowance to noncurrent loans | 466.0218% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 4,403 |
| Noncurrent loans to loans | 0.3647% | 3,272 |
| Net loans and leases to total assets | 21.4443% | 5,254 |
| Net loans and leases to deposits | 24.6979% | 5,256 |
| Net loans and leases to core deposits | 24.8402% | 5,259 |
| Total domestic deposits to total assets | 86.8263% | 1,893 |
| Equity capital to assets | 9.6999% | 4,094 |
| Core capital (leverage) ratio | 7.6213% | 5,272 |
| Tier 1 risk-based capital ratio | 13.0313% | 3,865 |
| Total risk-based capital ratio | 13.9362% | 3,941 |
| Memoranda: | ||
| Average total assets | $5,528,990,500 | 214 |
| Average earning assets | $5,108,945,000 | 208 |
| Average equity | $522,424,500 | 245 |
| Average total loans | $1,206,023,000 | 497 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9522% | 5,248 |
| Cost of funding earning assets | 0.0388% | 5,372 |
| Net interest margin | 2.9134% | 4,901 |
| Noninterest income to average assets | 0.8704% | 1,261 |
| Noninterest expense to average assets | 1.9070% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3064% | 1,767 |
| Return on assets (ROA) | 1.3057% | 1,759 |
| Pretax return on assets | 1.6751% | 1,230 |
| Return on Equity (ROE) | 14.4469% | 949 |
| Retained earnings to average equity (ytd only) | 5.6302% | 2,395 |
| Net charge-offs to loans | 0.1354% | 1,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 55.6846% | 1,072 |
| Efficiency ratio | 52.2491% | 4,774 |
| Assets per employee ($millions) | 7.5615% | 777 |
| Cash dividends to net income (ytd only)* | 61.0281% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 723 |
| Loan loss allowance to noncurrent loans | 394.0026% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,308 |
| Noncurrent loans to loans | 0.4489% | 2,928 |
| Net loans and leases to total assets | 21.4246% | 5,296 |
| Net loans and leases to deposits | 24.3539% | 5,303 |
| Net loans and leases to core deposits | 24.4951% | 5,306 |
| Total domestic deposits to total assets | 87.9722% | 1,308 |
| Equity capital to assets | 9.1983% | 4,408 |
| Core capital (leverage) ratio | 7.5452% | 5,319 |
| Tier 1 risk-based capital ratio | 13.0081% | 3,841 |
| Total risk-based capital ratio | 13.9365% | 3,907 |
| Memoranda: | ||
| Average total assets | $5,508,379,200 | 206 |
| Average earning assets | $5,128,944,000 | 200 |
| Average equity | $497,829,000 | 243 |
| Average total loans | $1,224,183,000 | 475 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9152% | 5,322 |
| Cost of funding earning assets | 0.0382% | 5,445 |
| Net interest margin | 2.8770% | 5,006 |
| Noninterest income to average assets | 0.8722% | 1,281 |
| Noninterest expense to average assets | 1.9304% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2752% | 1,951 |
| Return on assets (ROA) | 1.2739% | 1,956 |
| Pretax return on assets | 1.6203% | 1,513 |
| Return on Equity (ROE) | 14.1587% | 1,077 |
| Retained earnings to average equity (ytd only) | 6.6979% | 2,283 |
| Net charge-offs to loans | 0.1066% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 68.1507% | 976 |
| Efficiency ratio | 53.3368% | 4,674 |
| Assets per employee ($millions) | 7.4217% | 801 |
| Cash dividends to net income (ytd only)* | 52.6938% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 665 |
| Loan loss allowance to noncurrent loans | 377.0455% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,387 |
| Noncurrent loans to loans | 0.4881% | 2,925 |
| Net loans and leases to total assets | 21.3934% | 5,373 |
| Net loans and leases to deposits | 24.2835% | 5,380 |
| Net loans and leases to core deposits | 24.4269% | 5,382 |
| Total domestic deposits to total assets | 88.0984% | 1,202 |
| Equity capital to assets | 8.9565% | 4,592 |
| Core capital (leverage) ratio | 7.5293% | 5,390 |
| Tier 1 risk-based capital ratio | 13.0745% | 3,861 |
| Total risk-based capital ratio | 14.0370% | 3,929 |
| Memoranda: | ||
| Average total assets | $5,501,726,000 | 206 |
| Average earning assets | $5,125,053,250 | 198 |
| Average equity | $495,005,250 | 240 |
| Average total loans | $1,228,428,250 | 472 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8636% | 5,387 |
| Cost of funding earning assets | 0.0363% | 5,508 |
| Net interest margin | 2.8273% | 5,092 |
| Noninterest income to average assets | 0.8694% | 1,271 |
| Noninterest expense to average assets | 1.8471% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3029% | 1,764 |
| Return on assets (ROA) | 1.3015% | 1,761 |
| Pretax return on assets | 1.6575% | 1,322 |
| Return on Equity (ROE) | 14.4435% | 972 |
| Retained earnings to average equity (ytd only) | 8.5380% | 1,387 |
| Net charge-offs to loans | -0.0050% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6179% | 4,929 |
| Assets per employee ($millions) | 7.4226% | 785 |
| Cash dividends to net income (ytd only)* | 40.8871% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 613 |
| Loan loss allowance to noncurrent loans | 453.0083% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,452 |
| Noncurrent loans to loans | 0.4238% | 3,181 |
| Net loans and leases to total assets | 21.2587% | 5,434 |
| Net loans and leases to deposits | 24.0727% | 5,442 |
| Net loans and leases to core deposits | 24.2431% | 5,446 |
| Total domestic deposits to total assets | 88.3104% | 1,216 |
| Equity capital to assets | 8.8919% | 4,650 |
| Core capital (leverage) ratio | 7.5383% | 5,437 |
| Tier 1 risk-based capital ratio | 13.1818% | 3,803 |
| Total risk-based capital ratio | 14.1952% | 3,845 |
| Memoranda: | ||
| Average total assets | $5,504,961,000 | 202 |
| Average earning assets | $5,134,481,670 | 197 |
| Average equity | $496,043,000 | 237 |
| Average total loans | $1,238,919,330 | 464 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8273% | 5,442 |
| Cost of funding earning assets | 0.0364% | 5,571 |
| Net interest margin | 2.7909% | 5,164 |
| Noninterest income to average assets | 0.8779% | 1,208 |
| Noninterest expense to average assets | 1.8610% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2804% | 1,714 |
| Return on assets (ROA) | 1.2783% | 1,722 |
| Pretax return on assets | 1.6216% | 1,328 |
| Return on Equity (ROE) | 14.0925% | 994 |
| Retained earnings to average equity (ytd only) | 13.9367% | 412 |
| Net charge-offs to loans | -0.0229% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2050% | 4,949 |
| Assets per employee ($millions) | 7.2552% | 860 |
| Cash dividends to net income (ytd only)* | 1.1060% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 687 |
| Loan loss allowance to noncurrent loans | 360.9226% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 4,382 |
| Noncurrent loans to loans | 0.5205% | 2,960 |
| Net loans and leases to total assets | 21.8917% | 5,493 |
| Net loans and leases to deposits | 24.7497% | 5,498 |
| Net loans and leases to core deposits | 24.9324% | 5,501 |
| Total domestic deposits to total assets | 88.4525% | 1,378 |
| Equity capital to assets | 8.9889% | 4,569 |
| Core capital (leverage) ratio | 7.4788% | 5,515 |
| Tier 1 risk-based capital ratio | 12.9658% | 3,962 |
| Total risk-based capital ratio | 13.9763% | 3,997 |
| Memoranda: | ||
| Average total assets | $5,488,803,500 | 203 |
| Average earning assets | $5,127,547,500 | 196 |
| Average equity | $497,881,000 | 241 |
| Average total loans | $1,258,283,000 | 460 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7554% | 5,474 |
| Cost of funding earning assets | 0.0388% | 5,628 |
| Net interest margin | 2.7166% | 5,263 |
| Noninterest income to average assets | 0.8921% | 1,296 |
| Noninterest expense to average assets | 1.9532% | 5,039 |
| Loan and lease loss provision to assets | -0.0353% | 5,366 |
| Net operating income to assets | 0.8637% | 2,900 |
| Return on assets (ROA) | 0.9612% | 2,435 |
| Pretax return on assets | 1.6558% | 1,136 |
| Return on Equity (ROE) | 10.5996% | 1,636 |
| Retained earnings to average equity (ytd only) | 7.9918% | 767 |
| Net charge-offs to loans | 0.0792% | 2,314 |
| Credit loss provision to net charge-offs | -181.8182% | 4,777 |
| Earnings coverage of net charge-offs (x) | 75.6172% | 802 |
| Efficiency ratio | 55.4160% | 4,822 |
| Assets per employee ($millions) | 7.2559% | 861 |
| Cash dividends to net income (ytd only)* | 24.6027% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 797 |
| Loan loss allowance to noncurrent loans | 356.3420% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,423 |
| Noncurrent loans to loans | 0.5013% | 3,022 |
| Net loans and leases to total assets | 23.1217% | 5,545 |
| Net loans and leases to deposits | 26.1866% | 5,552 |
| Net loans and leases to core deposits | 26.3908% | 5,559 |
| Total domestic deposits to total assets | 88.2959% | 1,346 |
| Equity capital to assets | 9.1534% | 4,573 |
| Core capital (leverage) ratio | 7.1581% | 5,589 |
| Tier 1 risk-based capital ratio | 12.4984% | 4,208 |
| Total risk-based capital ratio | 13.5183% | 4,259 |
| Memoranda: | ||
| Average total assets | $5,382,031,600 | 198 |
| Average earning assets | $5,010,851,200 | 195 |
| Average equity | $488,037,200 | 234 |
| Average total loans | $1,318,981,200 | 425 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7447% | 5,541 |
| Cost of funding earning assets | 0.0391% | 5,694 |
| Net interest margin | 2.7057% | 5,316 |
| Noninterest income to average assets | 0.8845% | 1,321 |
| Noninterest expense to average assets | 1.8443% | 5,214 |
| Loan and lease loss provision to assets | -0.0473% | 5,520 |
| Net operating income to assets | 1.1404% | 1,914 |
| Return on assets (ROA) | 1.1447% | 1,946 |
| Pretax return on assets | 1.6109% | 1,376 |
| Return on Equity (ROE) | 12.6545% | 1,136 |
| Retained earnings to average equity (ytd only) | 9.2081% | 787 |
| Net charge-offs to loans | 0.0428% | 2,583 |
| Credit loss provision to net charge-offs | -446.0094% | 4,777 |
| Earnings coverage of net charge-offs (x) | 146.9801% | 549 |
| Efficiency ratio | 52.5162% | 5,057 |
| Assets per employee ($millions) | 7.2827% | 833 |
| Cash dividends to net income (ytd only)* | 27.2350% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 792 |
| Loan loss allowance to noncurrent loans | 380.0547% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 4,547 |
| Noncurrent loans to loans | 0.4839% | 3,234 |
| Net loans and leases to total assets | 23.3385% | 5,614 |
| Net loans and leases to deposits | 26.6248% | 5,621 |
| Net loans and leases to core deposits | 26.8404% | 5,626 |
| Total domestic deposits to total assets | 87.6572% | 1,543 |
| Equity capital to assets | 9.4131% | 4,531 |
| Core capital (leverage) ratio | 7.1816% | 5,656 |
| Tier 1 risk-based capital ratio | 12.5912% | 4,264 |
| Total risk-based capital ratio | 13.7827% | 4,205 |
| Memoranda: | ||
| Average total assets | $5,359,803,250 | 199 |
| Average earning assets | $4,986,770,750 | 196 |
| Average equity | $484,852,500 | 236 |
| Average total loans | $1,326,731,000 | 428 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7398% | 5,581 |
| Cost of funding earning assets | 0.0394% | 5,736 |
| Net interest margin | 2.7005% | 5,357 |
| Noninterest income to average assets | 0.8734% | 1,353 |
| Noninterest expense to average assets | 1.8450% | 5,264 |
| Loan and lease loss provision to assets | -0.0711% | 5,620 |
| Net operating income to assets | 1.1480% | 1,787 |
| Return on assets (ROA) | 1.1545% | 1,807 |
| Pretax return on assets | 1.6198% | 1,282 |
| Return on Equity (ROE) | 12.9393% | 1,051 |
| Retained earnings to average equity (ytd only) | 7.7649% | 1,252 |
| Net charge-offs to loans | -0.0073% | 4,435 |
| Credit loss provision to net charge-offs | 3,877.5510% | 113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7848% | 5,112 |
| Assets per employee ($millions) | 7.1552% | 865 |
| Cash dividends to net income (ytd only)* | 39.9903% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 836 |
| Loan loss allowance to noncurrent loans | 350.2834% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,544 |
| Noncurrent loans to loans | 0.5219% | 3,190 |
| Net loans and leases to total assets | 24.1818% | 5,644 |
| Net loans and leases to deposits | 27.6248% | 5,658 |
| Net loans and leases to core deposits | 27.8515% | 5,668 |
| Total domestic deposits to total assets | 87.5365% | 1,695 |
| Equity capital to assets | 9.1751% | 4,738 |
| Core capital (leverage) ratio | 6.9585% | 5,715 |
| Tier 1 risk-based capital ratio | 12.2256% | 4,480 |
| Total risk-based capital ratio | 13.4148% | 4,398 |
| Memoranda: | ||
| Average total assets | $5,345,157,330 | 204 |
| Average earning assets | $4,970,575,670 | 200 |
| Average equity | $476,917,670 | 240 |
| Average total loans | $1,340,714,000 | 426 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7480% | 5,623 |
| Cost of funding earning assets | 0.0396% | 5,803 |
| Net interest margin | 2.7084% | 5,384 |
| Noninterest income to average assets | 0.8650% | 1,348 |
| Noninterest expense to average assets | 1.8501% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1056% | 1,843 |
| Return on assets (ROA) | 1.1056% | 1,884 |
| Pretax return on assets | 1.5293% | 1,444 |
| Return on Equity (ROE) | 12.5693% | 1,097 |
| Retained earnings to average equity (ytd only) | 2.2297% | 4,246 |
| Net charge-offs to loans | 0.3062% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.7324% | 1,513 |
| Efficiency ratio | 52.9736% | 5,206 |
| Assets per employee ($millions) | 7.0941% | 909 |
| Cash dividends to net income (ytd only)* | 82.2609% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 881 |
| Loan loss allowance to noncurrent loans | 353.9631% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,559 |
| Noncurrent loans to loans | 0.5211% | 3,254 |
| Net loans and leases to total assets | 24.7601% | 5,688 |
| Net loans and leases to deposits | 28.2099% | 5,701 |
| Net loans and leases to core deposits | 28.4374% | 5,713 |
| Total domestic deposits to total assets | 87.7710% | 1,845 |
| Equity capital to assets | 8.8034% | 4,996 |
| Core capital (leverage) ratio | 6.6377% | 5,786 |
| Tier 1 risk-based capital ratio | 11.9657% | 4,737 |
| Total risk-based capital ratio | 13.2438% | 4,616 |
| Memoranda: | ||
| Average total assets | $5,341,675,500 | 201 |
| Average earning assets | $4,959,150,500 | 198 |
| Average equity | $469,845,000 | 243 |
| Average total loans | $1,351,900,500 | 424 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8291% | 5,626 |
| Cost of funding earning assets | 0.0446% | 5,848 |
| Net interest margin | 2.7845% | 5,317 |
| Noninterest income to average assets | 0.9145% | 1,362 |
| Noninterest expense to average assets | 1.9723% | 5,250 |
| Loan and lease loss provision to assets | -0.0615% | 5,616 |
| Net operating income to assets | 1.1464% | 1,712 |
| Return on assets (ROA) | 1.1502% | 1,784 |
| Pretax return on assets | 1.5754% | 1,354 |
| Return on Equity (ROE) | 12.4675% | 1,126 |
| Retained earnings to average equity (ytd only) | 0.6317% | 5,074 |
| Net charge-offs to loans | 0.0431% | 3,174 |
| Credit loss provision to net charge-offs | -518.6386% | 5,175 |
| Earnings coverage of net charge-offs (x) | 127.2577% | 481 |
| Efficiency ratio | 54.7238% | 5,178 |
| Assets per employee ($millions) | 7.0653% | 894 |
| Cash dividends to net income (ytd only)* | 94.9329% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 776 |
| Loan loss allowance to noncurrent loans | 292.2090% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,407 |
| Noncurrent loans to loans | 0.6566% | 2,887 |
| Net loans and leases to total assets | 24.9050% | 5,748 |
| Net loans and leases to deposits | 28.1797% | 5,762 |
| Net loans and leases to core deposits | 28.4062% | 5,771 |
| Total domestic deposits to total assets | 88.3792% | 1,451 |
| Equity capital to assets | 8.7882% | 5,027 |
| Core capital (leverage) ratio | 6.6294% | 5,833 |
| Tier 1 risk-based capital ratio | 11.7019% | 4,924 |
| Total risk-based capital ratio | 13.0201% | 4,783 |
| Memoranda: | ||
| Average total assets | $5,204,188,200 | 201 |
| Average earning assets | $4,796,788,400 | 195 |
| Average equity | $480,103,800 | 228 |
| Average total loans | $1,430,638,400 | 391 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8546% | 5,692 |
| Cost of funding earning assets | 0.0457% | 5,916 |
| Net interest margin | 2.8089% | 5,346 |
| Noninterest income to average assets | 0.9340% | 1,302 |
| Noninterest expense to average assets | 2.0142% | 5,173 |
| Loan and lease loss provision to assets | -0.0825% | 5,770 |
| Net operating income to assets | 1.1620% | 1,760 |
| Return on assets (ROA) | 1.1621% | 1,863 |
| Pretax return on assets | 1.5905% | 1,410 |
| Return on Equity (ROE) | 12.4449% | 1,189 |
| Retained earnings to average equity (ytd only) | 0.6825% | 5,180 |
| Net charge-offs to loans | 0.0195% | 3,311 |
| Credit loss provision to net charge-offs | -1,509.4340% | 5,280 |
| Earnings coverage of net charge-offs (x) | 275.9760% | 291 |
| Efficiency ratio | 55.2546% | 5,130 |
| Assets per employee ($millions) | 6.8320% | 947 |
| Cash dividends to net income (ytd only)* | 94.5155% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 808 |
| Loan loss allowance to noncurrent loans | 388.7758% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 4,690 |
| Noncurrent loans to loans | 0.4969% | 3,513 |
| Net loans and leases to total assets | 25.4005% | 5,806 |
| Net loans and leases to deposits | 28.7895% | 5,828 |
| Net loans and leases to core deposits | 29.0257% | 5,836 |
| Total domestic deposits to total assets | 88.2281% | 1,280 |
| Equity capital to assets | 9.2399% | 4,935 |
| Core capital (leverage) ratio | 6.7588% | 5,897 |
| Tier 1 risk-based capital ratio | 11.7465% | 4,954 |
| Total risk-based capital ratio | 12.6383% | 5,063 |
| Memoranda: | ||
| Average total assets | $5,173,417,500 | 201 |
| Average earning assets | $4,766,571,750 | 194 |
| Average equity | $483,086,750 | 227 |
| Average total loans | $1,450,120,250 | 386 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8773% | 5,750 |
| Cost of funding earning assets | 0.0466% | 5,997 |
| Net interest margin | 2.8307% | 5,380 |
| Noninterest income to average assets | 0.9473% | 1,246 |
| Noninterest expense to average assets | 2.0193% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1342% | 1,830 |
| Return on assets (ROA) | 1.1344% | 1,944 |
| Pretax return on assets | 1.5360% | 1,565 |
| Return on Equity (ROE) | 12.1047% | 1,281 |
| Retained earnings to average equity (ytd only) | 0.3125% | 5,207 |
| Net charge-offs to loans | 0.1165% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 45.8571% | 1,055 |
| Efficiency ratio | 54.8595% | 5,248 |
| Assets per employee ($millions) | 6.6465% | 1,027 |
| Cash dividends to net income (ytd only)* | 97.4181% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 704 |
| Loan loss allowance to noncurrent loans | 207.6719% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 4,083 |
| Noncurrent loans to loans | 0.9738% | 2,335 |
| Net loans and leases to total assets | 27.2618% | 5,840 |
| Net loans and leases to deposits | 31.2098% | 5,868 |
| Net loans and leases to core deposits | 31.4786% | 5,874 |
| Total domestic deposits to total assets | 87.3503% | 1,739 |
| Equity capital to assets | 9.4966% | 4,768 |
| Core capital (leverage) ratio | 6.8126% | 5,960 |
| Tier 1 risk-based capital ratio | 11.7221% | 5,021 |
| Total risk-based capital ratio | 12.4312% | 5,242 |
| Memoranda: | ||
| Average total assets | $5,142,056,330 | 200 |
| Average earning assets | $4,736,881,670 | 195 |
| Average equity | $481,878,000 | 227 |
| Average total loans | $1,478,717,330 | 376 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8349% | 5,836 |
| Cost of funding earning assets | 0.0469% | 6,058 |
| Net interest margin | 2.7880% | 5,487 |
| Noninterest income to average assets | 0.9064% | 1,297 |
| Noninterest expense to average assets | 1.9672% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1214% | 1,830 |
| Return on assets (ROA) | 1.1214% | 1,927 |
| Pretax return on assets | 1.5083% | 1,557 |
| Return on Equity (ROE) | 12.0470% | 1,302 |
| Retained earnings to average equity (ytd only) | 0.1804% | 5,066 |
| Net charge-offs to loans | 0.0756% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 68.2993% | 712 |
| Efficiency ratio | 54.5776% | 5,330 |
| Assets per employee ($millions) | 6.3128% | 1,213 |
| Cash dividends to net income (ytd only)* | 98.5023% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 816 |
| Loan loss allowance to noncurrent loans | 163.9351% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 3,552 |
| Noncurrent loans to loans | 1.2210% | 1,983 |
| Net loans and leases to total assets | 27.9920% | 5,873 |
| Net loans and leases to deposits | 31.9448% | 5,903 |
| Net loans and leases to core deposits | 32.2132% | 5,914 |
| Total domestic deposits to total assets | 87.6261% | 1,846 |
| Equity capital to assets | 9.3459% | 4,847 |
| Core capital (leverage) ratio | 6.8090% | 6,013 |
| Tier 1 risk-based capital ratio | 11.3450% | 5,315 |
| Total risk-based capital ratio | 11.7080% | 5,682 |
| Memoranda: | ||
| Average total assets | $5,144,197,500 | 200 |
| Average earning assets | $4,740,207,000 | 194 |
| Average equity | $478,859,000 | 227 |
| Average total loans | $1,503,296,000 | 372 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9693% | 5,752 |
| Cost of funding earning assets | 0.0530% | 6,100 |
| Net interest margin | 2.9163% | 5,306 |
| Noninterest income to average assets | 0.9565% | 1,300 |
| Noninterest expense to average assets | 2.0722% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1815% | 1,614 |
| Return on assets (ROA) | 1.1815% | 1,693 |
| Pretax return on assets | 1.5549% | 1,388 |
| Return on Equity (ROE) | 12.2258% | 1,247 |
| Retained earnings to average equity (ytd only) | -2.0091% | 5,750 |
| Net charge-offs to loans | 0.1055% | 2,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 45.4883% | 1,069 |
| Efficiency ratio | 55.0117% | 5,438 |
| Assets per employee ($millions) | 6.5611% | 1,071 |
| Cash dividends to net income (ytd only)* | 116.4335% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 893 |
| Loan loss allowance to noncurrent loans | 194.6708% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 3,712 |
| Noncurrent loans to loans | 0.9973% | 2,341 |
| Net loans and leases to total assets | 29.3058% | 5,910 |
| Net loans and leases to deposits | 33.0959% | 5,953 |
| Net loans and leases to core deposits | 33.3841% | 5,971 |
| Total domestic deposits to total assets | 88.5479% | 1,353 |
| Equity capital to assets | 9.2714% | 4,822 |
| Core capital (leverage) ratio | 6.8211% | 6,067 |
| Tier 1 risk-based capital ratio | 11.0043% | 5,520 |
| Total risk-based capital ratio | 11.6809% | 5,730 |
| Memoranda: | ||
| Average total assets | $5,014,419,400 | 190 |
| Average earning assets | $4,591,803,400 | 186 |
| Average equity | $484,589,200 | 216 |
| Average total loans | $1,624,136,800 | 334 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 5,811 |
| Cost of funding earning assets | 0.0545% | 6,186 |
| Net interest margin | 2.9420% | 5,329 |
| Noninterest income to average assets | 0.9773% | 1,237 |
| Noninterest expense to average assets | 2.1007% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1935% | 1,675 |
| Return on assets (ROA) | 1.1935% | 1,739 |
| Pretax return on assets | 1.5683% | 1,485 |
| Return on Equity (ROE) | 12.2221% | 1,311 |
| Retained earnings to average equity (ytd only) | -2.2902% | 5,885 |
| Net charge-offs to loans | 0.1173% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 40.4686% | 1,233 |
| Efficiency ratio | 55.1358% | 5,437 |
| Assets per employee ($millions) | 6.1790% | 1,256 |
| Cash dividends to net income (ytd only)* | 118.7384% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 1,049 |
| Loan loss allowance to noncurrent loans | 177.4443% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 3,730 |
| Noncurrent loans to loans | 1.0769% | 2,332 |
| Net loans and leases to total assets | 31.0738% | 5,943 |
| Net loans and leases to deposits | 35.2711% | 5,995 |
| Net loans and leases to core deposits | 35.6192% | 6,022 |
| Total domestic deposits to total assets | 88.0999% | 1,502 |
| Equity capital to assets | 9.7472% | 4,457 |
| Core capital (leverage) ratio | 6.9931% | 6,130 |
| Tier 1 risk-based capital ratio | 11.1512% | 5,574 |
| Total risk-based capital ratio | 11.8783% | 5,755 |
| Memoranda: | ||
| Average total assets | $4,985,319,750 | 190 |
| Average earning assets | $4,561,016,000 | 189 |
| Average equity | $486,812,250 | 216 |
| Average total loans | $1,646,822,000 | 335 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9894% | 5,869 |
| Cost of funding earning assets | 0.0560% | 6,258 |
| Net interest margin | 2.9335% | 5,374 |
| Noninterest income to average assets | 0.9783% | 1,225 |
| Noninterest expense to average assets | 2.1077% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1873% | 1,642 |
| Return on assets (ROA) | 1.1873% | 1,709 |
| Pretax return on assets | 1.5533% | 1,473 |
| Return on Equity (ROE) | 12.1511% | 1,328 |
| Retained earnings to average equity (ytd only) | -2.6044% | 5,878 |
| Net charge-offs to loans | 0.0786% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 59.0244% | 847 |
| Efficiency ratio | 55.4317% | 5,481 |
| Assets per employee ($millions) | 6.0771% | 1,294 |
| Cash dividends to net income (ytd only)* | 121.4332% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 1,186 |
| Loan loss allowance to noncurrent loans | 187.4498% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,899 |
| Noncurrent loans to loans | 1.0082% | 2,630 |
| Net loans and leases to total assets | 32.0775% | 5,973 |
| Net loans and leases to deposits | 36.7262% | 6,014 |
| Net loans and leases to core deposits | 37.3563% | 6,040 |
| Total domestic deposits to total assets | 87.3424% | 1,991 |
| Equity capital to assets | 9.6689% | 4,442 |
| Core capital (leverage) ratio | 7.0557% | 6,178 |
| Tier 1 risk-based capital ratio | 11.1652% | 5,636 |
| Total risk-based capital ratio | 11.8161% | 5,840 |
| Memoranda: | ||
| Average total assets | $4,993,172,000 | 194 |
| Average earning assets | $4,566,327,670 | 191 |
| Average equity | $487,872,000 | 217 |
| Average total loans | $1,671,815,000 | 327 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9668% | 5,929 |
| Cost of funding earning assets | 0.0577% | 6,331 |
| Net interest margin | 2.9091% | 5,436 |
| Noninterest income to average assets | 0.9687% | 1,190 |
| Noninterest expense to average assets | 2.0921% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1770% | 1,613 |
| Return on assets (ROA) | 1.1770% | 1,718 |
| Pretax return on assets | 1.5363% | 1,432 |
| Return on Equity (ROE) | 11.9836% | 1,355 |
| Retained earnings to average equity (ytd only) | -2.6898% | 5,764 |
| Net charge-offs to loans | 0.0704% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 64.3792% | 692 |
| Efficiency ratio | 55.4501% | 5,559 |
| Assets per employee ($millions) | 5.9894% | 1,410 |
| Cash dividends to net income (ytd only)* | 122.4452% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 1,388 |
| Loan loss allowance to noncurrent loans | 229.6877% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 4,210 |
| Noncurrent loans to loans | 0.8064% | 3,228 |
| Net loans and leases to total assets | 33.0860% | 5,963 |
| Net loans and leases to deposits | 37.7069% | 5,997 |
| Net loans and leases to core deposits | 38.5982% | 6,021 |
| Total domestic deposits to total assets | 87.7452% | 1,957 |
| Equity capital to assets | 9.8317% | 4,348 |
| Core capital (leverage) ratio | 7.0921% | 6,226 |
| Tier 1 risk-based capital ratio | 11.3531% | 5,630 |
| Total risk-based capital ratio | 12.0477% | 5,826 |
| Memoranda: | ||
| Average total assets | $4,995,111,000 | 192 |
| Average earning assets | $4,566,962,500 | 190 |
| Average equity | $490,603,000 | 213 |
| Average total loans | $1,692,087,000 | 318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1367% | 5,914 |
| Cost of funding earning assets | 0.0764% | 6,380 |
| Net interest margin | 3.0604% | 5,295 |
| Noninterest income to average assets | 1.0751% | 1,050 |
| Noninterest expense to average assets | 2.1754% | 5,400 |
| Loan and lease loss provision to assets | 0.0571% | 3,400 |
| Net operating income to assets | 1.2408% | 1,465 |
| Return on assets (ROA) | 1.2444% | 1,510 |
| Pretax return on assets | 1.6328% | 1,143 |
| Return on Equity (ROE) | 12.2272% | 1,347 |
| Retained earnings to average equity (ytd only) | -2.8681% | 6,080 |
| Net charge-offs to loans | 0.1697% | 2,333 |
| Credit loss provision to net charge-offs | 93.0851% | 2,579 |
| Earnings coverage of net charge-offs (x) | 27.4811% | 1,429 |
| Efficiency ratio | 54.0970% | 5,833 |
| Assets per employee ($millions) | 6.0546% | 1,341 |
| Cash dividends to net income (ytd only)* | 123.4566% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 1,419 |
| Loan loss allowance to noncurrent loans | 173.8926% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 4,165 |
| Noncurrent loans to loans | 1.0649% | 2,693 |
| Net loans and leases to total assets | 33.4091% | 6,066 |
| Net loans and leases to deposits | 38.3475% | 6,092 |
| Net loans and leases to core deposits | 39.2694% | 6,113 |
| Total domestic deposits to total assets | 87.1219% | 2,212 |
| Equity capital to assets | 9.8116% | 4,334 |
| Core capital (leverage) ratio | 7.1560% | 6,284 |
| Tier 1 risk-based capital ratio | 12.0367% | 5,340 |
| Total risk-based capital ratio | 13.4882% | 5,110 |
| Memoranda: | ||
| Average total assets | $4,905,768,800 | 186 |
| Average earning assets | $4,464,922,800 | 181 |
| Average equity | $499,289,600 | 205 |
| Average total loans | $1,772,268,600 | 291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 5,928 |
| Cost of funding earning assets | 0.0786% | 6,459 |
| Net interest margin | 3.0970% | 5,268 |
| Noninterest income to average assets | 1.0969% | 1,010 |
| Noninterest expense to average assets | 2.1879% | 5,379 |
| Loan and lease loss provision to assets | 0.0710% | 2,929 |
| Net operating income to assets | 1.2603% | 1,498 |
| Return on assets (ROA) | 1.2603% | 1,550 |
| Pretax return on assets | 1.6539% | 1,174 |
| Return on Equity (ROE) | 12.2706% | 1,411 |
| Retained earnings to average equity (ytd only) | -2.9798% | 6,141 |
| Net charge-offs to loans | 0.1880% | 1,964 |
| Credit loss provision to net charge-offs | 103.0111% | 2,143 |
| Earnings coverage of net charge-offs (x) | 25.0301% | 1,519 |
| Efficiency ratio | 53.6710% | 5,856 |
| Assets per employee ($millions) | 5.8613% | 1,441 |
| Cash dividends to net income (ytd only)* | 124.2841% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 1,618 |
| Loan loss allowance to noncurrent loans | 169.7153% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 4,304 |
| Noncurrent loans to loans | 1.0805% | 2,912 |
| Net loans and leases to total assets | 34.3362% | 6,100 |
| Net loans and leases to deposits | 39.3299% | 6,137 |
| Net loans and leases to core deposits | 40.5147% | 6,164 |
| Total domestic deposits to total assets | 87.3031% | 2,153 |
| Equity capital to assets | 10.0491% | 4,106 |
| Core capital (leverage) ratio | 7.3285% | 6,325 |
| Tier 1 risk-based capital ratio | 12.3603% | 5,261 |
| Total risk-based capital ratio | 13.9982% | 4,920 |
| Memoranda: | ||
| Average total assets | $4,883,445,500 | 186 |
| Average earning assets | $4,440,237,250 | 180 |
| Average equity | $501,587,500 | 204 |
| Average total loans | $1,790,263,250 | 285 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 5,931 |
| Cost of funding earning assets | 0.0807% | 6,522 |
| Net interest margin | 3.1335% | 5,147 |
| Noninterest income to average assets | 1.0984% | 987 |
| Noninterest expense to average assets | 2.2029% | 5,403 |
| Loan and lease loss provision to assets | 0.0823% | 2,657 |
| Net operating income to assets | 1.2693% | 1,395 |
| Return on assets (ROA) | 1.2693% | 1,449 |
| Pretax return on assets | 1.6571% | 1,118 |
| Return on Equity (ROE) | 12.2678% | 1,355 |
| Retained earnings to average equity (ytd only) | -3.3917% | 6,123 |
| Net charge-offs to loans | 0.1431% | 2,243 |
| Credit loss provision to net charge-offs | 154.4402% | 1,432 |
| Earnings coverage of net charge-offs (x) | 32.6417% | 1,192 |
| Efficiency ratio | 53.6204% | 5,941 |
| Assets per employee ($millions) | 5.5456% | 1,660 |
| Cash dividends to net income (ytd only)* | 127.6470% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 1,809 |
| Loan loss allowance to noncurrent loans | 153.5741% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 4,155 |
| Noncurrent loans to loans | 1.1821% | 2,866 |
| Net loans and leases to total assets | 35.8235% | 6,057 |
| Net loans and leases to deposits | 41.5567% | 6,085 |
| Net loans and leases to core deposits | 42.9833% | 6,114 |
| Total domestic deposits to total assets | 86.2038% | 2,931 |
| Equity capital to assets | 10.2881% | 3,711 |
| Core capital (leverage) ratio | 7.4679% | 6,322 |
| Tier 1 risk-based capital ratio | 12.3240% | 5,348 |
| Total risk-based capital ratio | 14.0112% | 5,001 |
| Memoranda: | ||
| Average total assets | $4,860,320,330 | 187 |
| Average earning assets | $4,411,152,330 | 182 |
| Average equity | $502,878,000 | 203 |
| Average total loans | $1,809,557,000 | 280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2383% | 5,950 |
| Cost of funding earning assets | 0.0811% | 6,601 |
| Net interest margin | 3.1572% | 5,060 |
| Noninterest income to average assets | 1.0836% | 951 |
| Noninterest expense to average assets | 2.2162% | 5,425 |
| Loan and lease loss provision to assets | 0.0826% | 2,516 |
| Net operating income to assets | 1.2668% | 1,303 |
| Return on assets (ROA) | 1.2668% | 1,354 |
| Pretax return on assets | 1.6445% | 1,083 |
| Return on Equity (ROE) | 12.2091% | 1,369 |
| Retained earnings to average equity (ytd only) | -4.6492% | 6,100 |
| Net charge-offs to loans | 0.1282% | 1,948 |
| Credit loss provision to net charge-offs | 171.2329% | 1,156 |
| Earnings coverage of net charge-offs (x) | 35.8185% | 939 |
| Efficiency ratio | 53.8913% | 6,018 |
| Assets per employee ($millions) | 5.5318% | 1,678 |
| Cash dividends to net income (ytd only)* | 138.0800% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7678% | 2,135 |
| Loan loss allowance to noncurrent loans | 180.4485% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 4,288 |
| Noncurrent loans to loans | 0.9797% | 3,463 |
| Net loans and leases to total assets | 36.5688% | 6,041 |
| Net loans and leases to deposits | 42.3022% | 6,060 |
| Net loans and leases to core deposits | 43.8755% | 6,084 |
| Total domestic deposits to total assets | 86.4465% | 3,138 |
| Equity capital to assets | 10.2929% | 3,484 |
| Core capital (leverage) ratio | 7.5403% | 6,322 |
| Tier 1 risk-based capital ratio | 12.3951% | 5,372 |
| Total risk-based capital ratio | 14.0695% | 5,055 |
| Memoranda: | ||
| Average total assets | $4,844,862,000 | 187 |
| Average earning assets | $4,388,187,500 | 182 |
| Average equity | $502,708,500 | 204 |
| Average total loans | $1,822,031,500 | 277 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 5,547 |
| Cost of funding earning assets | 0.0914% | 6,694 |
| Net interest margin | 3.4531% | 4,084 |
| Noninterest income to average assets | 1.1933% | 995 |
| Noninterest expense to average assets | 2.3389% | 5,259 |
| Loan and lease loss provision to assets | 0.1659% | 2,206 |
| Net operating income to assets | 1.3984% | 1,027 |
| Return on assets (ROA) | 1.4047% | 1,053 |
| Pretax return on assets | 1.8127% | 735 |
| Return on Equity (ROE) | 13.1031% | 1,149 |
| Retained earnings to average equity (ytd only) | -4.0622% | 6,322 |
| Net charge-offs to loans | 0.3340% | 2,003 |
| Credit loss provision to net charge-offs | 122.3055% | 1,942 |
| Earnings coverage of net charge-offs (x) | 14.5279% | 1,935 |
| Efficiency ratio | 52.0139% | 6,293 |
| Assets per employee ($millions) | 5.4729% | 1,676 |
| Cash dividends to net income (ytd only)* | 131.0022% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 2,287 |
| Loan loss allowance to noncurrent loans | 145.9700% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7282% | 4,062 |
| Noncurrent loans to loans | 1.1879% | 3,167 |
| Net loans and leases to total assets | 37.3347% | 6,138 |
| Net loans and leases to deposits | 43.0954% | 6,171 |
| Net loans and leases to core deposits | 45.2488% | 6,174 |
| Total domestic deposits to total assets | 86.6328% | 2,921 |
| Equity capital to assets | 10.4605% | 3,214 |
| Core capital (leverage) ratio | 7.6723% | 6,317 |
| Tier 1 risk-based capital ratio | 13.2571% | 4,817 |
| Total risk-based capital ratio | 14.9329% | 4,478 |
| Memoranda: | ||
| Average total assets | $4,822,966,600 | 180 |
| Average earning assets | $4,352,097,600 | 176 |
| Average equity | $517,055,000 | 192 |
| Average total loans | $1,958,536,800 | 259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 5,439 |
| Cost of funding earning assets | 0.0928% | 6,777 |
| Net interest margin | 3.5081% | 3,847 |
| Noninterest income to average assets | 1.1952% | 1,030 |
| Noninterest expense to average assets | 2.3429% | 5,204 |
| Loan and lease loss provision to assets | 0.1768% | 2,056 |
| Net operating income to assets | 1.4172% | 1,062 |
| Return on assets (ROA) | 1.4172% | 1,114 |
| Pretax return on assets | 1.8406% | 823 |
| Return on Equity (ROE) | 13.1398% | 1,209 |
| Retained earnings to average equity (ytd only) | -4.1676% | 6,451 |
| Net charge-offs to loans | 0.3159% | 1,962 |
| Credit loss provision to net charge-offs | 135.6507% | 1,738 |
| Earnings coverage of net charge-offs (x) | 15.4777% | 1,858 |
| Efficiency ratio | 51.4842% | 6,292 |
| Assets per employee ($millions) | 5.3982% | 1,733 |
| Cash dividends to net income (ytd only)* | 131.7173% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 2,620 |
| Loan loss allowance to noncurrent loans | 86.3902% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 3,479 |
| Noncurrent loans to loans | 1.9679% | 2,292 |
| Net loans and leases to total assets | 38.7149% | 6,124 |
| Net loans and leases to deposits | 44.8848% | 6,161 |
| Net loans and leases to core deposits | 47.1188% | 6,161 |
| Total domestic deposits to total assets | 86.2540% | 3,103 |
| Equity capital to assets | 10.6553% | 3,110 |
| Core capital (leverage) ratio | 7.8358% | 6,311 |
| Tier 1 risk-based capital ratio | 13.3691% | 4,861 |
| Total risk-based capital ratio | 14.9735% | 4,572 |
| Memoranda: | ||
| Average total assets | $4,826,040,750 | 178 |
| Average earning assets | $4,354,192,750 | 175 |
| Average equity | $520,514,000 | 188 |
| Average total loans | $1,991,235,000 | 251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 5,321 |
| Cost of funding earning assets | 0.0941% | 6,828 |
| Net interest margin | 3.5469% | 3,575 |
| Noninterest income to average assets | 1.1697% | 1,111 |
| Noninterest expense to average assets | 2.3506% | 5,206 |
| Loan and lease loss provision to assets | 0.1899% | 1,989 |
| Net operating income to assets | 1.4122% | 1,054 |
| Return on assets (ROA) | 1.4122% | 1,139 |
| Pretax return on assets | 1.8324% | 860 |
| Return on Equity (ROE) | 13.0416% | 1,238 |
| Retained earnings to average equity (ytd only) | -4.6364% | 6,434 |
| Net charge-offs to loans | 0.3852% | 1,678 |
| Credit loss provision to net charge-offs | 117.7073% | 1,884 |
| Earnings coverage of net charge-offs (x) | 12.5379% | 1,970 |
| Efficiency ratio | 51.5040% | 6,313 |
| Assets per employee ($millions) | 5.3954% | 1,699 |
| Cash dividends to net income (ytd only)* | 135.5506% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 3,173 |
| Loan loss allowance to noncurrent loans | 99.8354% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 3,632 |
| Noncurrent loans to loans | 1.5973% | 2,915 |
| Net loans and leases to total assets | 39.9677% | 6,047 |
| Net loans and leases to deposits | 46.4962% | 6,073 |
| Net loans and leases to core deposits | 49.4932% | 6,052 |
| Total domestic deposits to total assets | 85.9590% | 3,394 |
| Equity capital to assets | 10.7328% | 3,017 |
| Core capital (leverage) ratio | 7.8920% | 6,255 |
| Tier 1 risk-based capital ratio | 13.4714% | 4,785 |
| Total risk-based capital ratio | 15.0372% | 4,545 |
| Memoranda: | ||
| Average total assets | $4,845,849,330 | 178 |
| Average earning assets | $4,376,167,670 | 175 |
| Average equity | $524,720,330 | 188 |
| Average total loans | $2,029,210,670 | 250 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 5,260 |
| Cost of funding earning assets | 0.0955% | 6,911 |
| Net interest margin | 3.5716% | 3,379 |
| Noninterest income to average assets | 1.1476% | 1,137 |
| Noninterest expense to average assets | 2.3412% | 5,301 |
| Loan and lease loss provision to assets | 0.2294% | 1,596 |
| Net operating income to assets | 1.4021% | 1,018 |
| Return on assets (ROA) | 1.4021% | 1,108 |
| Pretax return on assets | 1.8038% | 879 |
| Return on Equity (ROE) | 12.8928% | 1,194 |
| Retained earnings to average equity (ytd only) | -6.0907% | 6,423 |
| Net charge-offs to loans | 0.5168% | 1,162 |
| Credit loss provision to net charge-offs | 104.4776% | 1,765 |
| Earnings coverage of net charge-offs (x) | 9.2582% | 1,861 |
| Efficiency ratio | 51.2373% | 6,423 |
| Assets per employee ($millions) | 5.3635% | 1,792 |
| Cash dividends to net income (ytd only)* | 147.2414% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 3,872 |
| Loan loss allowance to noncurrent loans | 102.7521% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 3,751 |
| Noncurrent loans to loans | 1.4503% | 3,387 |
| Net loans and leases to total assets | 41.3847% | 5,884 |
| Net loans and leases to deposits | 48.1789% | 5,911 |
| Net loans and leases to core deposits | 51.2659% | 5,874 |
| Total domestic deposits to total assets | 85.8980% | 3,582 |
| Equity capital to assets | 10.8735% | 3,107 |
| Core capital (leverage) ratio | 7.8505% | 6,253 |
| Tier 1 risk-based capital ratio | 13.5657% | 4,820 |
| Total risk-based capital ratio | 15.0701% | 4,596 |
| Memoranda: | ||
| Average total assets | $4,881,325,500 | 182 |
| Average earning assets | $4,410,184,000 | 178 |
| Average equity | $530,840,000 | 189 |
| Average total loans | $2,074,145,500 | 249 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 4,757 |
| Cost of funding earning assets | 0.1118% | 6,981 |
| Net interest margin | 4.0415% | 2,231 |
| Noninterest income to average assets | 1.2332% | 1,024 |
| Noninterest expense to average assets | 2.4008% | 5,405 |
| Loan and lease loss provision to assets | 0.2272% | 2,860 |
| Net operating income to assets | 1.6632% | 670 |
| Return on assets (ROA) | 1.6436% | 773 |
| Pretax return on assets | 2.1971% | 415 |
| Return on Equity (ROE) | 15.0428% | 805 |
| Retained earnings to average equity (ytd only) | -1.4382% | 6,081 |
| Net charge-offs to loans | 0.5854% | 1,976 |
| Credit loss provision to net charge-offs | 82.5776% | 3,742 |
| Earnings coverage of net charge-offs (x) | 8.9047% | 2,337 |
| Efficiency ratio | 47.2437% | 6,744 |
| Assets per employee ($millions) | 5.4601% | 1,720 |
| Cash dividends to net income (ytd only)* | 109.5607% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,006 |
| Loan loss allowance to noncurrent loans | 91.8715% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 3,645 |
| Noncurrent loans to loans | 1.5587% | 3,279 |
| Net loans and leases to total assets | 42.3505% | 5,967 |
| Net loans and leases to deposits | 49.1219% | 6,020 |
| Net loans and leases to core deposits | 52.5047% | 5,979 |
| Total domestic deposits to total assets | 86.2152% | 3,246 |
| Equity capital to assets | 10.8763% | 3,095 |
| Core capital (leverage) ratio | 7.9862% | 6,205 |
| Tier 1 risk-based capital ratio | 14.1354% | 4,289 |
| Total risk-based capital ratio | 15.6210% | 4,071 |
| Memoranda: | ||
| Average total assets | $4,928,640,200 | 172 |
| Average earning assets | $4,412,245,600 | 174 |
| Average equity | $538,522,600 | 182 |
| Average total loans | $2,316,856,000 | 213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 4,653 |
| Cost of funding earning assets | 0.1151% | 7,096 |
| Net interest margin | 4.1330% | 1,958 |
| Noninterest income to average assets | 1.2554% | 952 |
| Noninterest expense to average assets | 2.4226% | 5,334 |
| Loan and lease loss provision to assets | 0.2271% | 2,792 |
| Net operating income to assets | 1.7034% | 680 |
| Return on assets (ROA) | 1.6777% | 807 |
| Pretax return on assets | 2.2632% | 428 |
| Return on Equity (ROE) | 15.3370% | 841 |
| Retained earnings to average equity (ytd only) | -0.3702% | 6,157 |
| Net charge-offs to loans | 0.5647% | 1,920 |
| Credit loss provision to net charge-offs | 83.7404% | 3,506 |
| Earnings coverage of net charge-offs (x) | 9.3119% | 2,338 |
| Efficiency ratio | 46.7385% | 6,782 |
| Assets per employee ($millions) | 5.2412% | 1,890 |
| Cash dividends to net income (ytd only)* | 102.4137% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,368 |
| Loan loss allowance to noncurrent loans | 70.0382% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4859% | 3,369 |
| Noncurrent loans to loans | 2.0011% | 2,840 |
| Net loans and leases to total assets | 45.2774% | 5,843 |
| Net loans and leases to deposits | 52.6789% | 5,920 |
| Net loans and leases to core deposits | 56.4133% | 5,862 |
| Total domestic deposits to total assets | 85.9498% | 3,284 |
| Equity capital to assets | 11.2306% | 3,001 |
| Core capital (leverage) ratio | 8.1541% | 6,187 |
| Tier 1 risk-based capital ratio | 14.3037% | 4,330 |
| Total risk-based capital ratio | 15.7805% | 4,135 |
| Memoranda: | ||
| Average total assets | $4,932,288,750 | 175 |
| Average earning assets | $4,406,275,500 | 177 |
| Average equity | $539,536,500 | 185 |
| Average total loans | $2,368,230,750 | 208 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 4,616 |
| Cost of funding earning assets | 0.1183% | 7,158 |
| Net interest margin | 4.1709% | 1,836 |
| Noninterest income to average assets | 1.2776% | 874 |
| Noninterest expense to average assets | 2.4286% | 5,361 |
| Loan and lease loss provision to assets | 0.2252% | 2,826 |
| Net operating income to assets | 1.7259% | 639 |
| Return on assets (ROA) | 1.6876% | 774 |
| Pretax return on assets | 2.2931% | 419 |
| Return on Equity (ROE) | 15.5612% | 841 |
| Retained earnings to average equity (ytd only) | -0.1543% | 6,068 |
| Net charge-offs to loans | 0.5513% | 1,937 |
| Credit loss provision to net charge-offs | 83.9077% | 3,214 |
| Earnings coverage of net charge-offs (x) | 9.5746% | 2,154 |
| Efficiency ratio | 46.3788% | 6,870 |
| Assets per employee ($millions) | 5.2718% | 1,845 |
| Cash dividends to net income (ytd only)* | 100.9915% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,613 |
| Loan loss allowance to noncurrent loans | 66.9008% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.6159% | 3,302 |
| Noncurrent loans to loans | 2.0334% | 2,909 |
| Net loans and leases to total assets | 46.5700% | 5,773 |
| Net loans and leases to deposits | 54.2741% | 5,839 |
| Net loans and leases to core deposits | 59.4422% | 5,655 |
| Total domestic deposits to total assets | 85.8052% | 3,451 |
| Equity capital to assets | 10.9951% | 3,126 |
| Core capital (leverage) ratio | 8.0191% | 6,253 |
| Tier 1 risk-based capital ratio | 13.8455% | 4,558 |
| Total risk-based capital ratio | 15.3225% | 4,356 |
| Memoranda: | ||
| Average total assets | $4,972,578,000 | 174 |
| Average earning assets | $4,436,363,000 | 175 |
| Average equity | $539,264,670 | 184 |
| Average total loans | $2,421,156,330 | 203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 4,649 |
| Cost of funding earning assets | 0.1216% | 7,226 |
| Net interest margin | 4.2000% | 1,758 |
| Noninterest income to average assets | 1.3242% | 813 |
| Noninterest expense to average assets | 2.5064% | 5,128 |
| Loan and lease loss provision to assets | 0.2238% | 2,709 |
| Net operating income to assets | 1.7119% | 700 |
| Return on assets (ROA) | 1.7119% | 783 |
| Pretax return on assets | 2.3437% | 423 |
| Return on Equity (ROE) | 15.8932% | 820 |
| Retained earnings to average equity (ytd only) | 0.1721% | 5,924 |
| Net charge-offs to loans | 0.5683% | 1,669 |
| Credit loss provision to net charge-offs | 79.6813% | 2,732 |
| Earnings coverage of net charge-offs (x) | 9.1417% | 1,878 |
| Efficiency ratio | 47.1898% | 6,845 |
| Assets per employee ($millions) | 5.3772% | 1,808 |
| Cash dividends to net income (ytd only)* | 98.9168% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,950 |
| Loan loss allowance to noncurrent loans | 70.9963% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 3,427 |
| Noncurrent loans to loans | 1.8538% | 3,338 |
| Net loans and leases to total assets | 47.7009% | 5,599 |
| Net loans and leases to deposits | 56.2275% | 5,573 |
| Net loans and leases to core deposits | 61.3570% | 5,397 |
| Total domestic deposits to total assets | 84.8356% | 4,110 |
| Equity capital to assets | 10.7649% | 3,192 |
| Core capital (leverage) ratio | 7.9227% | 6,320 |
| Tier 1 risk-based capital ratio | 14.1335% | 4,367 |
| Total risk-based capital ratio | 15.6219% | 4,168 |
| Memoranda: | ||
| Average total assets | $5,004,824,500 | 171 |
| Average earning assets | $4,468,104,000 | 171 |
| Average equity | $539,073,000 | 183 |
| Average total loans | $2,473,125,000 | 200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 4,007 |
| Cost of funding earning assets | 0.1723% | 7,261 |
| Net interest margin | 4.5830% | 953 |
| Noninterest income to average assets | 1.2179% | 891 |
| Noninterest expense to average assets | 2.5682% | 5,204 |
| Loan and lease loss provision to assets | 0.2282% | 3,916 |
| Net operating income to assets | 1.8178% | 445 |
| Return on assets (ROA) | 1.8178% | 478 |
| Pretax return on assets | 2.5028% | 206 |
| Return on Equity (ROE) | 16.3533% | 557 |
| Retained earnings to average equity (ytd only) | -3.2111% | 6,297 |
| Net charge-offs to loans | 0.5209% | 2,908 |
| Credit loss provision to net charge-offs | 78.6572% | 4,516 |
| Earnings coverage of net charge-offs (x) | 9.4151% | 1,988 |
| Efficiency ratio | 46.1669% | 7,036 |
| Assets per employee ($millions) | 5.3975% | 1,744 |
| Cash dividends to net income (ytd only)* | 119.6360% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,949 |
| Loan loss allowance to noncurrent loans | 58.8542% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.0212% | 2,942 |
| Noncurrent loans to loans | 2.1945% | 2,956 |
| Net loans and leases to total assets | 49.8433% | 5,602 |
| Net loans and leases to deposits | 58.5720% | 5,644 |
| Net loans and leases to core deposits | 63.9490% | 5,469 |
| Total domestic deposits to total assets | 85.0974% | 3,786 |
| Equity capital to assets | 10.7773% | 3,218 |
| Core capital (leverage) ratio | 7.9289% | 6,325 |
| Tier 1 risk-based capital ratio | 13.8416% | 4,450 |
| Total risk-based capital ratio | 15.3243% | 4,225 |
| Memoranda: | ||
| Average total assets | $4,908,893,400 | 169 |
| Average earning assets | $4,371,484,800 | 167 |
| Average equity | $545,664,400 | 180 |
| Average total loans | $2,733,315,400 | 186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 3,904 |
| Cost of funding earning assets | 0.1807% | 7,344 |
| Net interest margin | 4.6454% | 859 |
| Noninterest income to average assets | 1.2281% | 873 |
| Noninterest expense to average assets | 2.6121% | 5,030 |
| Loan and lease loss provision to assets | 0.2292% | 3,721 |
| Net operating income to assets | 1.8319% | 489 |
| Return on assets (ROA) | 1.8319% | 531 |
| Pretax return on assets | 2.5229% | 235 |
| Return on Equity (ROE) | 16.3530% | 632 |
| Retained earnings to average equity (ytd only) | -1.3225% | 6,205 |
| Net charge-offs to loans | 0.5333% | 2,634 |
| Credit loss provision to net charge-offs | 75.3836% | 4,297 |
| Earnings coverage of net charge-offs (x) | 9.0521% | 2,099 |
| Efficiency ratio | 46.4031% | 7,037 |
| Assets per employee ($millions) | 5.3119% | 1,800 |
| Cash dividends to net income (ytd only)* | 108.0874% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 5,256 |
| Loan loss allowance to noncurrent loans | 54.8830% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 2,914 |
| Noncurrent loans to loans | 2.2746% | 3,028 |
| Net loans and leases to total assets | 52.8408% | 5,343 |
| Net loans and leases to deposits | 62.0157% | 5,397 |
| Net loans and leases to core deposits | 67.8882% | 5,191 |
| Total domestic deposits to total assets | 85.2055% | 3,671 |
| Equity capital to assets | 11.1726% | 2,984 |
| Core capital (leverage) ratio | 8.3227% | 5,943 |
| Tier 1 risk-based capital ratio | 13.9935% | 4,357 |
| Total risk-based capital ratio | 15.4872% | 4,136 |
| Memoranda: | ||
| Average total assets | $4,886,595,000 | 170 |
| Average earning assets | $4,350,861,250 | 167 |
| Average equity | $547,416,000 | 181 |
| Average total loans | $2,785,692,750 | 184 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 3,824 |
| Cost of funding earning assets | 0.1864% | 7,422 |
| Net interest margin | 4.6719% | 777 |
| Noninterest income to average assets | 1.2224% | 847 |
| Noninterest expense to average assets | 2.6702% | 4,941 |
| Loan and lease loss provision to assets | 0.2298% | 3,614 |
| Net operating income to assets | 1.8060% | 499 |
| Return on assets (ROA) | 1.8060% | 532 |
| Pretax return on assets | 2.4868% | 252 |
| Return on Equity (ROE) | 16.1067% | 657 |
| Retained earnings to average equity (ytd only) | -1.5996% | 6,175 |
| Net charge-offs to loans | 0.5803% | 2,370 |
| Credit loss provision to net charge-offs | 68.0520% | 4,110 |
| Earnings coverage of net charge-offs (x) | 8.0452% | 2,127 |
| Efficiency ratio | 47.2631% | 7,100 |
| Assets per employee ($millions) | 5.0385% | 2,069 |
| Cash dividends to net income (ytd only)* | 109.9314% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,545 |
| Loan loss allowance to noncurrent loans | 39.7003% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.5689% | 2,598 |
| Noncurrent loans to loans | 3.0220% | 2,400 |
| Net loans and leases to total assets | 56.2550% | 4,952 |
| Net loans and leases to deposits | 66.4345% | 4,930 |
| Net loans and leases to core deposits | 73.1056% | 4,696 |
| Total domestic deposits to total assets | 84.6774% | 4,034 |
| Equity capital to assets | 11.3543% | 2,642 |
| Core capital (leverage) ratio | 8.3149% | 5,848 |
| Tier 1 risk-based capital ratio | 14.2302% | 3,991 |
| Total risk-based capital ratio | 15.7514% | 3,760 |
| Memoranda: | ||
| Average total assets | $4,874,086,000 | 172 |
| Average earning assets | $4,344,532,000 | 170 |
| Average equity | $546,504,330 | 185 |
| Average total loans | $2,835,977,330 | 184 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 4,058 |
| Cost of funding earning assets | 0.1920% | 7,482 |
| Net interest margin | 4.6084% | 848 |
| Noninterest income to average assets | 1.1947% | 898 |
| Noninterest expense to average assets | 2.5518% | 5,381 |
| Loan and lease loss provision to assets | 0.2288% | 3,368 |
| Net operating income to assets | 1.8318% | 467 |
| Return on assets (ROA) | 1.8318% | 494 |
| Pretax return on assets | 2.5303% | 242 |
| Return on Equity (ROE) | 16.4395% | 633 |
| Retained earnings to average equity (ytd only) | -0.5669% | 5,901 |
| Net charge-offs to loans | 0.5719% | 2,056 |
| Credit loss provision to net charge-offs | 68.0437% | 3,384 |
| Earnings coverage of net charge-offs (x) | 8.2053% | 1,847 |
| Efficiency ratio | 45.6673% | 7,217 |
| Assets per employee ($millions) | 5.0694% | 2,067 |
| Cash dividends to net income (ytd only)* | 103.4483% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 5,578 |
| Loan loss allowance to noncurrent loans | 35.2335% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 2.7146% | 2,539 |
| Noncurrent loans to loans | 3.4364% | 2,187 |
| Net loans and leases to total assets | 57.1839% | 4,768 |
| Net loans and leases to deposits | 67.5821% | 4,732 |
| Net loans and leases to core deposits | 74.2271% | 4,517 |
| Total domestic deposits to total assets | 84.6140% | 4,219 |
| Equity capital to assets | 11.1567% | 2,533 |
| Core capital (leverage) ratio | 8.3509% | 5,712 |
| Tier 1 risk-based capital ratio | 13.9910% | 4,076 |
| Total risk-based capital ratio | 15.4831% | 3,889 |
| Memoranda: | ||
| Average total assets | $4,895,162,000 | 173 |
| Average earning assets | $4,372,272,500 | 169 |
| Average equity | $545,441,500 | 185 |
| Average total loans | $2,878,359,500 | 182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 3,473 |
| Cost of funding earning assets | 0.2607% | 7,528 |
| Net interest margin | 4.9674% | 466 |
| Noninterest income to average assets | 1.2956% | 874 |
| Noninterest expense to average assets | 2.6220% | 5,328 |
| Loan and lease loss provision to assets | 0.2318% | 4,962 |
| Net operating income to assets | 1.9991% | 282 |
| Return on assets (ROA) | 2.0013% | 296 |
| Pretax return on assets | 2.7917% | 137 |
| Return on Equity (ROE) | 18.1924% | 365 |
| Retained earnings to average equity (ytd only) | 5.2496% | 2,277 |
| Net charge-offs to loans | 0.5599% | 3,379 |
| Credit loss provision to net charge-offs | 67.4414% | 5,922 |
| Earnings coverage of net charge-offs (x) | 8.7893% | 1,923 |
| Efficiency ratio | 44.1381% | 7,415 |
| Assets per employee ($millions) | 5.0760% | 2,051 |
| Cash dividends to net income (ytd only)* | 71.1440% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,418 |
| Loan loss allowance to noncurrent loans | 32.9055% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 2.9369% | 2,393 |
| Noncurrent loans to loans | 3.7062% | 2,005 |
| Net loans and leases to total assets | 58.9879% | 4,849 |
| Net loans and leases to deposits | 69.8087% | 4,836 |
| Net loans and leases to core deposits | 76.6215% | 4,627 |
| Total domestic deposits to total assets | 84.4992% | 4,107 |
| Equity capital to assets | 11.1282% | 2,569 |
| Core capital (leverage) ratio | 8.1864% | 5,848 |
| Tier 1 risk-based capital ratio | 13.8690% | 3,950 |
| Total risk-based capital ratio | 15.3297% | 3,789 |
| Memoranda: | ||
| Average total assets | $4,830,935,800 | 174 |
| Average earning assets | $4,228,393,800 | 176 |
| Average equity | $531,430,200 | 182 |
| Average total loans | $2,966,319,000 | 180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 3,402 |
| Cost of funding earning assets | 0.2676% | 7,650 |
| Net interest margin | 5.0209% | 422 |
| Noninterest income to average assets | 1.3058% | 811 |
| Noninterest expense to average assets | 2.6276% | 5,207 |
| Loan and lease loss provision to assets | 0.2326% | 4,745 |
| Net operating income to assets | 2.0098% | 332 |
| Return on assets (ROA) | 2.0098% | 362 |
| Pretax return on assets | 2.8150% | 150 |
| Return on Equity (ROE) | 18.3240% | 454 |
| Retained earnings to average equity (ytd only) | 6.0592% | 2,319 |
| Net charge-offs to loans | 0.5067% | 3,262 |
| Credit loss provision to net charge-offs | 74.2443% | 5,309 |
| Earnings coverage of net charge-offs (x) | 9.7285% | 1,975 |
| Efficiency ratio | 44.0313% | 7,461 |
| Assets per employee ($millions) | 5.0448% | 2,117 |
| Cash dividends to net income (ytd only)* | 66.9330% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,127 |
| Loan loss allowance to noncurrent loans | 33.3821% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 3.2768% | 2,181 |
| Noncurrent loans to loans | 3.7961% | 2,035 |
| Net loans and leases to total assets | 60.2115% | 4,868 |
| Net loans and leases to deposits | 72.8824% | 4,712 |
| Net loans and leases to core deposits | 79.8669% | 4,542 |
| Total domestic deposits to total assets | 82.6145% | 4,746 |
| Equity capital to assets | 11.1038% | 2,846 |
| Core capital (leverage) ratio | 8.4202% | 5,664 |
| Tier 1 risk-based capital ratio | 13.4929% | 4,212 |
| Total risk-based capital ratio | 14.9515% | 4,008 |
| Memoranda: | ||
| Average total assets | $4,815,346,750 | 172 |
| Average earning assets | $4,190,586,750 | 173 |
| Average equity | $528,153,500 | 181 |
| Average total loans | $2,977,377,750 | 179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 3,062 |
| Cost of funding earning assets | 0.2798% | 7,722 |
| Net interest margin | 5.1002% | 340 |
| Noninterest income to average assets | 1.3269% | 722 |
| Noninterest expense to average assets | 2.6681% | 5,046 |
| Loan and lease loss provision to assets | 0.2345% | 4,572 |
| Net operating income to assets | 2.0168% | 323 |
| Return on assets (ROA) | 2.0168% | 353 |
| Pretax return on assets | 2.8325% | 149 |
| Return on Equity (ROE) | 18.4666% | 428 |
| Retained earnings to average equity (ytd only) | -0.0882% | 5,751 |
| Net charge-offs to loans | 0.4670% | 3,142 |
| Credit loss provision to net charge-offs | 80.8431% | 4,688 |
| Earnings coverage of net charge-offs (x) | 10.5727% | 1,873 |
| Efficiency ratio | 44.2311% | 7,517 |
| Assets per employee ($millions) | 4.7990% | 2,450 |
| Cash dividends to net income (ytd only)* | 100.4776% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,554 |
| Loan loss allowance to noncurrent loans | 48.8680% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.6254% | 2,752 |
| Noncurrent loans to loans | 2.8139% | 2,841 |
| Net loans and leases to total assets | 60.8145% | 4,903 |
| Net loans and leases to deposits | 73.1459% | 4,813 |
| Net loans and leases to core deposits | 80.7661% | 4,581 |
| Total domestic deposits to total assets | 83.1414% | 4,506 |
| Equity capital to assets | 11.1592% | 2,721 |
| Core capital (leverage) ratio | 8.1719% | 5,997 |
| Tier 1 risk-based capital ratio | 13.9032% | 3,797 |
| Total risk-based capital ratio | 15.3816% | 3,606 |
| Memoranda: | ||
| Average total assets | $4,775,857,330 | 171 |
| Average earning assets | $4,127,804,330 | 176 |
| Average equity | $521,590,330 | 180 |
| Average total loans | $2,966,886,670 | 181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 2,967 |
| Cost of funding earning assets | 0.2959% | 7,818 |
| Net interest margin | 5.1186% | 333 |
| Noninterest income to average assets | 1.3363% | 675 |
| Noninterest expense to average assets | 2.6628% | 5,094 |
| Loan and lease loss provision to assets | 0.2323% | 4,182 |
| Net operating income to assets | 2.0032% | 346 |
| Return on assets (ROA) | 2.0032% | 376 |
| Pretax return on assets | 2.8315% | 156 |
| Return on Equity (ROE) | 18.5381% | 475 |
| Retained earnings to average equity (ytd only) | -0.0361% | 5,834 |
| Net charge-offs to loans | 0.4693% | 2,639 |
| Credit loss provision to net charge-offs | 79.3876% | 3,892 |
| Earnings coverage of net charge-offs (x) | 10.4715% | 1,737 |
| Efficiency ratio | 44.1839% | 7,620 |
| Assets per employee ($millions) | 4.7360% | 2,589 |
| Cash dividends to net income (ytd only)* | 100.1946% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,603 |
| Loan loss allowance to noncurrent loans | 40.5137% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 2.8936% | 2,479 |
| Noncurrent loans to loans | 3.3663% | 2,380 |
| Net loans and leases to total assets | 62.0004% | 4,756 |
| Net loans and leases to deposits | 74.8039% | 4,621 |
| Net loans and leases to core deposits | 82.1962% | 4,458 |
| Total domestic deposits to total assets | 82.8839% | 4,687 |
| Equity capital to assets | 11.0879% | 2,685 |
| Core capital (leverage) ratio | 8.0126% | 6,224 |
| Tier 1 risk-based capital ratio | 13.6537% | 3,891 |
| Total risk-based capital ratio | 15.1412% | 3,697 |
| Memoranda: | ||
| Average total assets | $4,821,852,500 | 175 |
| Average earning assets | $4,135,713,000 | 179 |
| Average equity | $521,044,500 | 180 |
| Average total loans | $3,006,236,000 | 184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 3,254 |
| Cost of funding earning assets | 0.4145% | 7,868 |
| Net interest margin | 5.2553% | 261 |
| Noninterest income to average assets | 1.3015% | 886 |
| Noninterest expense to average assets | 2.8328% | 4,825 |
| Loan and lease loss provision to assets | 0.2150% | 5,631 |
| Net operating income to assets | 2.0316% | 218 |
| Return on assets (ROA) | 2.6115% | 84 |
| Pretax return on assets | 3.4226% | 68 |
| Return on Equity (ROE) | 25.5184% | 87 |
| Retained earnings to average equity (ytd only) | 6.9570% | 972 |
| Net charge-offs to loans | 0.4511% | 3,979 |
| Credit loss provision to net charge-offs | 75.3931% | 6,384 |
| Earnings coverage of net charge-offs (x) | 10.7233% | 1,653 |
| Efficiency ratio | 45.7659% | 7,725 |
| Assets per employee ($millions) | 4.8727% | 2,376 |
| Cash dividends to net income (ytd only)* | 72.7372% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,519 |
| Loan loss allowance to noncurrent loans | 38.7125% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 2,441 |
| Noncurrent loans to loans | 3.4688% | 2,191 |
| Net loans and leases to total assets | 61.0285% | 5,186 |
| Net loans and leases to deposits | 74.1910% | 5,008 |
| Net loans and leases to core deposits | 86.3959% | 5,486 |
| Total domestic deposits to total assets | 82.2586% | 4,832 |
| Equity capital to assets | 10.5374% | 3,144 |
| Core capital (leverage) ratio | 7.6714% | 6,585 |
| Tier 1 risk-based capital ratio | 13.3946% | 3,889 |
| Total risk-based capital ratio | 14.8772% | 3,677 |
| Memoranda: | ||
| Average total assets | $4,884,621,000 | 174 |
| Average earning assets | $4,264,998,000 | 179 |
| Average equity | $499,882,000 | 185 |
| Average total loans | $3,087,511,400 | 190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6846% | 3,414 |
| Cost of funding earning assets | 0.4295% | 7,965 |
| Net interest margin | 5.2551% | 280 |
| Noninterest income to average assets | 1.3019% | 919 |
| Noninterest expense to average assets | 2.9041% | 4,437 |
| Loan and lease loss provision to assets | 0.1971% | 5,414 |
| Net operating income to assets | 2.0348% | 272 |
| Return on assets (ROA) | 2.8103% | 79 |
| Pretax return on assets | 3.6163% | 64 |
| Return on Equity (ROE) | 27.6688% | 81 |
| Retained earnings to average equity (ytd only) | 9.1826% | 797 |
| Net charge-offs to loans | 0.3871% | 3,719 |
| Credit loss provision to net charge-offs | 80.1157% | 5,764 |
| Earnings coverage of net charge-offs (x) | 12.3472% | 1,769 |
| Efficiency ratio | 46.5494% | 7,744 |
| Assets per employee ($millions) | 4.8349% | 2,354 |
| Cash dividends to net income (ytd only)* | 66.8125% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,292 |
| Loan loss allowance to noncurrent loans | 37.7418% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 2,517 |
| Noncurrent loans to loans | 3.5344% | 2,117 |
| Net loans and leases to total assets | 64.0179% | 4,868 |
| Net loans and leases to deposits | 78.3492% | 4,688 |
| Net loans and leases to core deposits | 91.6811% | 5,261 |
| Total domestic deposits to total assets | 81.7084% | 4,803 |
| Equity capital to assets | 10.5913% | 3,412 |
| Core capital (leverage) ratio | 7.4850% | 6,998 |
| Tier 1 risk-based capital ratio | 12.9341% | 4,239 |
| Total risk-based capital ratio | 14.4304% | 4,003 |
| Memoranda: | ||
| Average total assets | $4,870,555,000 | 182 |
| Average earning assets | $4,300,276,000 | 183 |
| Average equity | $494,691,750 | 191 |
| Average total loans | $3,095,292,000 | 198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6937% | 3,578 |
| Cost of funding earning assets | 0.4546% | 8,056 |
| Net interest margin | 5.2391% | 277 |
| Noninterest income to average assets | 1.2933% | 913 |
| Noninterest expense to average assets | 2.9480% | 4,298 |
| Loan and lease loss provision to assets | 0.1814% | 5,229 |
| Net operating income to assets | 1.9921% | 302 |
| Return on assets (ROA) | 3.1602% | 58 |
| Pretax return on assets | 3.9678% | 53 |
| Return on Equity (ROE) | 31.5723% | 59 |
| Retained earnings to average equity (ytd only) | 23.9967% | 49 |
| Net charge-offs to loans | 0.3756% | 3,316 |
| Credit loss provision to net charge-offs | 76.5484% | 5,290 |
| Earnings coverage of net charge-offs (x) | 12.5757% | 1,809 |
| Efficiency ratio | 47.3737% | 7,789 |
| Assets per employee ($millions) | 4.6189% | 2,574 |
| Cash dividends to net income (ytd only)* | 23.9943% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,357 |
| Loan loss allowance to noncurrent loans | 35.4400% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 2.7176% | 2,363 |
| Noncurrent loans to loans | 3.6282% | 1,919 |
| Net loans and leases to total assets | 64.2242% | 4,935 |
| Net loans and leases to deposits | 79.5796% | 4,605 |
| Net loans and leases to core deposits | 93.7482% | 5,144 |
| Total domestic deposits to total assets | 80.7043% | 5,190 |
| Equity capital to assets | 10.5238% | 3,375 |
| Core capital (leverage) ratio | 7.6602% | 6,812 |
| Tier 1 risk-based capital ratio | 13.6405% | 3,734 |
| Total risk-based capital ratio | 15.1145% | 3,534 |
| Memoranda: | ||
| Average total assets | $4,850,208,330 | 193 |
| Average earning assets | $4,291,338,670 | 191 |
| Average equity | $485,482,670 | 193 |
| Average total loans | $3,060,460,670 | 205 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 3,903 |
| Cost of funding earning assets | 0.4247% | 8,126 |
| Net interest margin | 5.2544% | 254 |
| Noninterest income to average assets | 1.2959% | 848 |
| Noninterest expense to average assets | 2.8501% | 4,333 |
| Loan and lease loss provision to assets | 0.1533% | 4,968 |
| Net operating income to assets | 2.0932% | 291 |
| Return on assets (ROA) | 4.5052% | 34 |
| Pretax return on assets | 5.3624% | 38 |
| Return on Equity (ROE) | 46.3142% | 27 |
| Retained earnings to average equity (ytd only) | 34.7673% | 35 |
| Net charge-offs to loans | 0.3387% | 2,735 |
| Credit loss provision to net charge-offs | 72.9631% | 4,302 |
| Earnings coverage of net charge-offs (x) | 14.7722% | 1,642 |
| Efficiency ratio | 45.4668% | 7,871 |
| Assets per employee ($millions) | 4.8587% | 2,238 |
| Cash dividends to net income (ytd only)* | 24.9315% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 4,264 |
| Loan loss allowance to noncurrent loans | 73.4334% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 3,765 |
| Noncurrent loans to loans | 1.7313% | 3,665 |
| Net loans and leases to total assets | 63.1276% | 5,136 |
| Net loans and leases to deposits | 79.8503% | 4,637 |
| Net loans and leases to core deposits | 93.5155% | 5,204 |
| Total domestic deposits to total assets | 79.0574% | 5,701 |
| Equity capital to assets | 9.7376% | 4,324 |
| Core capital (leverage) ratio | 7.6375% | 6,977 |
| Tier 1 risk-based capital ratio | 12.4416% | 4,579 |
| Total risk-based capital ratio | 13.8994% | 4,354 |
| Memoranda: | ||
| Average total assets | $4,697,991,500 | 193 |
| Average earning assets | $4,163,866,500 | 196 |
| Average equity | $456,992,000 | 202 |
| Average total loans | $2,913,867,000 | 210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5235% | 7,240 |
| Cost of funding earning assets | 0.8222% | 8,116 |
| Net interest margin | 4.7012% | 970 |
| Noninterest income to average assets | 1.2323% | 980 |
| Noninterest expense to average assets | 2.2759% | 6,772 |
| Loan and lease loss provision to assets | 0.0642% | 6,594 |
| Net operating income to assets | 2.6095% | 104 |
| Return on assets (ROA) | 1.4970% | 986 |
| Pretax return on assets | 1.7811% | 982 |
| Return on Equity (ROE) | 15.5051% | 851 |
| Retained earnings to average equity (ytd only) | -9.0595% | 6,973 |
| Net charge-offs to loans | 0.4410% | 2,624 |
| Credit loss provision to net charge-offs | 25.1490% | 6,557 |
| Earnings coverage of net charge-offs (x) | 12.4191% | 2,246 |
| Efficiency ratio | 40.3880% | 8,123 |
| Assets per employee ($millions) | 4.7484% | 2,246 |
| Cash dividends to net income (ytd only)* | 158.4291% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 1,494 |
| Loan loss allowance to noncurrent loans | 412.4849% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 6,171 |
| Noncurrent loans to loans | 0.4525% | 5,989 |
| Net loans and leases to total assets | 58.3369% | 6,155 |
| Net loans and leases to deposits | 75.4412% | 5,661 |
| Net loans and leases to core deposits | 89.4275% | 5,851 |
| Total domestic deposits to total assets | 77.3276% | 5,911 |
| Equity capital to assets | 9.7137% | 4,405 |
| Core capital (leverage) ratio | 6.5242% | 7,925 |
| Tier 1 risk-based capital ratio | 9.3073% | 7,516 |
| Total risk-based capital ratio | 10.7837% | 7,190 |
| Memoranda: | ||
| Average total assets | $4,206,525,400 | 203 |
| Average earning assets | $3,769,919,400 | 203 |
| Average equity | $406,138,200 | 221 |
| Average total loans | $2,434,687,400 | 234 |